SANDY TECHFANATIC

As Ben Franklin said: In wine there is wisdom, in beer there is freedom, in water there is bacteria.

In a number of carefully controlled trials, scientists have demonstrated that if we drink 1 liter of water each day, at the end of the year we would have absorbed more than 1 kilo of Escherichia coli, (E. Oli) - bacteria found in feces.

In other words, we are consuming 1 kilo of poop.

However, we do NOT run that risk when drinking wine & beer (or tequila, rum, whiskey or other liquor)

Because alcohol has to go through a purification process of boiling, filtering and/or fermenting.

Remember: Water = Poop, Wine = Health

Therefore, it's better to drink wine and talk stupid, than to drink water and be full of shit.

There is no need to thank me for this valuable information: I'm doing it as a public service.

Option is a contract which gives buyer the right , but not the obligation to buy or sell an underlying asset at a specific price on or before a certain date. An option has an Expiry date , when its automatically exercised if it has any intrinsic value left . When you buy an option you have to pay some premium at the time of buying it.

You can buy or sell Options just like you buy or sell Shares. They are traded in real time. An option value depends on some underling, which can be a stock or an index or even interest rate, The scope of this article is restricted to Stock options or index options. An example of index option is Nifty option , so its underlying is Nifty.

You must know that its a kind of Derivative : Derivatives are any instrument whose value are derived from some other thing, there value depends on some other thing , like In case of options in stock market , there value depend on either a stock or an index. Futures are also a kind of Derivatives, The minimum money required for trade in Futures are much more than Options. You can trade in options with as little as 2,000 or 3,000 (depending on the option you are trading in).

Types of option: CALL and PUT

CALL option gives you the right to BUY something anytime before expiry at a predetermined price. The value of the CALL option increases as the Price of the underlying thing increases. The reason for this is because you can still buy it at the fixed price and the difference is your profit.

PUT option gives you the right to SELL something anytime before expiry at a predetermined price. The value of PUT option increases as the price of the underlying Decreases. The reason is that you still have the right to SELL it at fixed price and difference will be your profit.


SOME OPTION TERMS

Exercising an Option : To exercise an Option means to Buy(CALL) or Sell(PUT) the stock on the expiry date if they are European style else Buy or sell anytime on or before Expiry if they are American Style.

Expiry Date : The date on which an option will expire and then it will be exercised automatically if it has any intrinsic value left.

Option Style : Options are of two styles , American style (It can be exercised any time before or on expiry date) and European Style (exercised on expiry only).

STRIKE Price : Strike rate is Stated Price for which the underlying stock can be purchased or sold on expiry date.

SPOT Price : The current price of the underlying at a particular time.

LOT : Options are traded in lot size , you can buy 1 lot , 2 lot or any number of lots , and a lot has a particular number of shares in a single lot , Like Nifty options have lot size of 50.

Premium : Every option has some premium which users have to pay when they purchase an Option . So for a CALL option, the premium increases when its underlying price increase and decreases when its underlying price decreased and just opposite of PUT option.


How does an OPTION look like?

Example : CHAFER 90 CE 1.95 , EXPIRY 26th June

CHAFER is the symbol for a stock called CHAMBAL FERTILIZERS , so its a Stock option. The expiry date of this option is 26th June (current year). 90 CE means its a CALL (C) option ,which is European Style (E , can be exercised on expiry date only) and the Strike rate is 90 , means that you have right to buy 1 lot (3450 shares , it depends on the option how many shares a lot has) of chambal fertilizers shares at Rs 90 on the date of expiry if you want.

What are the Profit and Losses you can make?

The Losses are always limited to the extent of premium you pay (in worst case you do not exercise the option and you let your premium go) , On the other hand the profits are theoretically unlimited , because the option price can keeps increasing when underlying increases or decreases depending on the type of option.


What is time value and option value ?

The Premium you pay for the option has two components
- Time Value
- Intrinsic value

Premium = Time value + Intrinsic Value

Intrinsic value is the true worth of the option (premium) and Time value is the value which is there because of the time left for the expiry , because as the Expiry time comes near the risk of loosing the money is high. So time value keeps decreasing as the expiry comes closer. There fore you will see that even if STRIKE price is closer to SPOT price , the option price will be very high if the expiry is after many days .

For CALL option price moves towards 0 if SPOT is less then STRIKE price and expiry comes closer .
For PUT option price moves towards 0 id SPOT is higher than STRIKE and expiry comes closer.


How does it works
You can either sell it at the profit or still hold it.

Case 2: If market does not fall as per your expectation and still is at 4400 before 10 days of expiry and the current price of premium is suppose 10 , you can sell it at loss , because you don't want it to become 0 . Suppose you didn't sell it and market really closed above 4300 on expiry date , then you loose whole your premium (as SPOT < style="font-weight: bold;">Options used for Hedging
Example 1:

Suppose you buy CHAFER 90 CE EXPIRY 26th June , at a premium of 1.95 (you will have to pay Rs 1.95 * 3450 to buy this option) , and the SPOT is 78 , means currently price of Chambal fertilizer share is Rs. 78 , now the price of option will follow the price of the share price. If price increases to say 85 , then the option may increase to 4.5 (depending on demand and supply) , and at this point you can sell the option and earn a profit of 4.5-1.95 = 2.55 Per share , profit of 130% . Now suppose on 26th June (Expiry day) , the price of Chambal Fertilizer is Rs 100 , then the option will be exercised and who ever has the option at that time will receive the profit of Rs 10 (total 10 * 3450) and the option will not be exercised if the SPOT (current price) of share is below 90 , because then he will make loss if exercised. (Remember , its not your obligation to exercises the option (you exercise if its in profit , or you loose your premium)

When do you buy Options

Example 1 :

Suppose Infosys is at 2000 today (1st June) and you are optimistic that its price will go further go up 10% or 15% (2200 or 2300) . so you buy a CALL option of Infosys which is going to Expire in approx 1 month , say INFOSYS 2200 CE 10.5 26th June is available and lot size is 1000 , so you pay 1000 * 10.5 = Rs 10,500 for this option.

Now option price will move the same way as the price of Infosys share. At the end of the Expiry date if Price of Infosys share will be more than the 2200 then the option will be called "In the Money" as it will be in profit when exercised Else it will be out of money. So suppose Price of Infosys share is 2280 at the end of Expiry then you exercise the option and get 1000 * 80 = Rs 80,000 , you can also sell the option anytime before Expiry date if you want to make profit and convinced that the option price has reached at a good point.

Example 2:

You think that Economy is not doing well and markets as whole will fall because of high inflation news and political issues (or for any reason) , Suppose Nifty is at 4600 and you believe that it will fall to 4300 in 2-3 months , Suppose current date is 1st June then you can buy NIFTY PE 4300 AUG , assume premium is Rs 15.

Case 1: If markets fall badly and reaches 4500 in 1 month and the premium increase to 330 . You can either sell it at the profit or still hold it.

Case 2: If market does not fall as per your expectation and still is at 4400 before 10 days of expiry and the current price of premium is suppose 10 , you can sell it at loss , because you don't want it to become 0 . Suppose you didn't sell it and market really closed above 4300 on expiry date , then you loose whole your premium (as SPOT < STRIKE)

Options used for Hedging

The main use of Options is for hedging , So if you have bought some 1000 shares of company ABC at Rs 20 , and think that price may fall to 15 in one month ,you can ABC PE 20 or 19 , and pay a small premium , Now you are covered for the loss you will make on shares , because you have right to sell the shares at 20 or 19 (depends on the price you bought the options at).


Some other important points

- Options are very risky and very rewarding , it can give returns of even 100% or 200% in day , or can give negative returns of 50% or 80% in a day.

- Options are very volatile , so its a good idea to be patient with options.

- Buying Options near its Expiry dates are highly risky , because if they go in wrong direction they don't have time to come back.

- Its not a good idea to buy a option with strike price very far from the SPOT price unless there is some good reason for it . Options with more gap between between STRIKE and SPOT have less premium , but very risky (and can be very rewarding too).

- Its not a good idea to put a Stop loss for your option very near to the current price , because its highly probable that it will come to Stop loss point and then again bounce back because of there high volatility.

- Its a good idea to set a target to book profits and get out , rather than trying to get maximum out of option . If you don't exit at a good point , the chances are that value will again bounce back to normal price and you will miss a chance. (I sold Chambal Fertilizer CALL 90 option when it price went up to 6.5 though 8-9 looked achievable target next day , but i thought its a great return and didn't miss the chance of booking 250% return in 2 days , Buy price was 1.95).

Rule No.1: Never lose money.
Rule No.2: Never forget rule No.1

If past history was all that was to the game,
the richest people would be librarians !!

Warren Buffet


• Target & Time Frame is something beyond any one out there.. 'cos there are
too many global forces influencing the markets & added to these are our own
domestic concerns..

• Whenever you enter a stock.. you HAVE to mentally decide howw much
downside you can digest (happily !!) & then place stop loss accordingly.. & that
stop loss has to be the traditional support level for that counter..

1. Example.. You decide to buy 1000 shares of RPL @ 120... If u can easily digest
a loss of 10 rupee per share.. the Stop loss is 110 but historic support for RPL
has been @ 105.. so u can stretch that much more & place your stop @ 105...

• Similarly on the upside.. Greed Kills a Trader!! Regularly book partial profits...
once u feel the returns u have got is decent.. exit & switch over to another
promising stock.

• For heavens sake.. learn to PAUSE trading as well !! Intra day / short term
trading is succesful ONLY when there is a direction to the markets. There may
be few stocks here & there which defy gravity or which moves on its own terms,
but Broadly... MOST of the actively traded stocks follow the short term trend of
the markets in general.

1. DONT trade or trade veryy small quantities on days when the market moves
haywire without any direction.
2. DONT trade or trade veryy small quantities When there are major contradictory
market views.
3. DONT trade if u feel your stop loss will be easily hit.
4. DONT buy / short a stock which is trading with very very low volumes.

• NEVER trade a stock which has a High Impact Cost. When a person buys or
sells shares he is pushing the price up or down depending on the relative
volume and thus buying and selling these shares at a higher or lower price. The
difference between the original price and the new price is known as impact cost.
For instance if a person buys 1000 shares of company A at Rs. 100 because of
the demand created by it the price rises to Rs.101..eventually he would have got
the shares at a price between 100 & 101 depending on the liquidity position of
the stock at that particular time. If he gets it @ Rs.100.5 you may consider the
50 paisa as a loss.. 'cos intent was to buy @ 100.
Go through the following link to find out the impact cost of all the listed stocks
http://bseindia.com/mktlive/impact_cost.asp

• As you can see in the list, impact cost varies from 5% in stocks which are hardly
traded to as low as .01% of high volume stocks. THIS IS THE MAIN REASON
YOU HAVE TO COMPULSORILY STAY AWAY FROM PENNY STOCKS &
UNHEARD OF STOCKS !! Unless you get some THRILL in seeing the stock
price go up when you buy & come down when you sell !

• Trading is NOTT gambling nor is it a Game of LUCK !

It is a specialization whick takes into account & deciphers hundreds of
factors which influence stock price & movement. Trading without basic
knowledge of technical analysis, functioning of stock markets, macro
economy etc. is like trying to solve a complex equation without knowing
how to add & subtract numbers ! However if you dont have the time or zeal
to start learning the essentials but still want to trade, opt for expert advice
& subscribe to trading calls of leading technical analysts or just follow the
advice of your online broker blindly (by blindly i mean buy only if you get
at the recommended price & place the STOP LOSS at the
recommended level & strictly exit when asked to ! ) In short leave things
to someone who knows much much better than you do !

The E63 just broke the shackles of the rumor monger to become Nokia's latest messaging device. With a pre-tax, pre-subsidy price of just €199, Nokia hopes to see the Symbian S60 device generate some mass-market appeal. So let's see: WiFi, physical QWERTY, choice of ruby red or aquamarine blue, standard 3.5-mm audio jack, camera with video recording, and the ability to switch from an E-series business mode (corporate email, appointments, intranet) to personal mode (pictures, personal email, and browser shortcuts) with a single key press -- sounds like a winning combination to us. Nokia's even tossing in 1GB of Ovi file storage for free when the E63 begins shipping in the coming weeks -- where, is Nokia's little secret for now. We'll update you with the hard details just as soon as Nokia releases them. Until then, check the blue version after the break.

Update: We were able to hack forth the following detail from the bowels of Nokia's website: 113 x 59 x 13-mm / 126g form factor, 320 x 240 pixel display, quad-band GSM / EDGE with 660 minute talk / 432 hours standby, microSD memory slot with 110MB internal memory, 2 megapixel camera capable of QVGA video @ 15fps, and of course, Bluetooth. It'll also be released in WCDMA 900/2100, 850/1900, and 850/2100 configurations. Sorry, no HSDPA data or infrared like that found on the E71.

She's arrived at last, the 5800 XpressMusic, Nokia's tardy entry into the (modern) touchscreen phone space, and we've gotten some quality face time with the device. Appropriately nicknamed the Tube, the device has a number of Nokia peculiarities that could appeal to certain sensibilities, but probably won't be taking a big bite out of existing touchphone market share -- at least in the S60-phobic United States. Let's dig in, shall we?


Hardware
Resistive touchscreen, huh Nokia? We're intrigued, but certainly wouldn't say impressed. Nokia claims the decision was made to appeal to the world market, particularly asian countries that prefer handwriting recognition to keyboards. Hence the stylus input option. It doesn't ruin everything for those of us that would rather tap with our thumbs, but means pushing that much harder on the screen, and using the tips of your fingers when you type instead of the flat -- knocking off a good 5 wpm or so in the process -- we'll talk more about software keyboards in the next section. There's also a plectrum (guitar pick) included that can hang from a wrist strap if you don't want to smudge the screen and don't feel like sliding out the stylus.

The LCD itself is certainly impressive, at 640 x 360, but colors and brightness aren't complete knockouts. Purists will enjoy the dull screen surface, which certainly cuts down on glare, but casual users often prefer glossy screens for watching movies, something this aspect ratio is very well suited to.

There's a very, very loud speaker in the back. It's not the clearest thing in the world, but if you want to share a song or something with a friend, they'll certainly hear it. There's also a 3.5mm jack up top, right where it should be.

The 3.2 megapixel camera focuses well and takes great pictures in daylight -- indoors is likely a different story, as with most cameraphones, but there's a rather powerful dual LED flash to help out with that.

All of this -- in addition to things like GPS, WiFi and a side-loading microSD slot (there's a free 8GB card included) -- are wrapped up into an elongated, chubby package, hence the Tube moniker. We'd hate to have something of its shape and thickness in a tight jeans front pocket on a regular basis, but we must admit that it's very comfortable to hold and use with a single hand, something that can't be said for all touchscreen phones.

Software

It's S60, so if you were hoping for something else you'll be sorely disappointed. Nokia's done "just enough" to turn the traditional interface into a touchable one with version 5.0, sizing up icons, adding finger-friendly buttons in lieu of traditional menu items and so forth. What Nokia hasn't quite figured out is consistency, requiring double taps in some places, single taps in others. Scrolling through most lists requires dragging a scroll bar, pulling down as the list flies up, but the browser has touch and drag scrolling. Nothing's too frustrating or unreasonable, but this is no seamless experience.

What's new is a touch-sensitive button above the screen that drops down the Media Bar for access to music, movies, photos, the browser and sharing. Not life changing, but quite convenient. There's also a new home screen with a "Fav Four" of sorts across the top and little else. Tap that friend, and you can get a quick look at recent calls, messages and even related RSS feeds. Pretty neat if you're a loner, but there's no way to add more than four friends, or view similar info for your regular contacts that don't make the cut. Luckily, the traditional S60 home screen is also available.

For text input you have four options: handwriting, mini QWERTY keyboard, full screen QWERTY and alphanumeric keypad. The first two are stylus-based (that mini QWERTY is truly mini), while the other two are only available in landscape and portrait modes, respectively. Like we said in the hardware end of things, the resistive touch means using the tips of your fingers instead of the pads, which we find a tad frustrating, but the keyboard in landscape mode is truly gargantuan, and after an hour or two of learning we're guessing you could rattle off some pretty lengthly emails or Great American Novels. Luckily, if you're a T9 fan there's nothing stopping you from keeping the phone in portrait mode and rattling off text messages with the touchable alphanumeric keypad, and the phone is frankly too narrow to work well with QWERTY in portrait. The handwriting recognition looks good enough, but we revert to a 2nd grade writing level whenever we pick up a pen, so that stylus is staying firmly in its holster.

We're not convinced the touchable browser is a step up over existing WebKit implementations on Nokia's other handsets, since the tap to zoom function is slow and unreliable -- and no, you can't select text from web pages to copy and paste. Panning around the page is also jittery, perhaps a tad worse than the G1 -- nobody has managed to pull off iPhone smooth yet in this department. We were using a slightly early software build, so some of these problems might be fixed in the final version, but it wasn't encouraging. Still, there's no denying the advantages of viewing the web on a 640 x 360 LCD.

We tested out an accelerometer-based driving game, but it was overly sensitive and no-fun-at-all -- though we're guessing that wouldn't be a hard fix. The graphics looked pretty good, though. Movies are potentially this phone's killer app, but you'll have to do the conversion just right to get smooth playback at full resolution. We did see some video shot with the phone (that Sea World shot in the gallery) and it looked pretty good.

Conclusion

If you haven't picked it up by now, Nokia isn't going after the power users here. The phone will be marketed under Nokia's "Live" banner, and really concentrates on the most basic communications -- calling and texting -- with a whole bunch of multimedia piled on top. Nokia's Comes With Music helps on that end of things, and the screen certainly helps with video, but this is no iPhone when it comes to to solid media integration or full-featured media player apps. On the communication side, we're sad to see Nokia almost burying some of its S60 advantages. Everything's still there, but Nokia didn't put the gruntwork in necessary to really take advantage a next-gen interface as it relates to keeping track of emails, social networking, IM and the correspondences of more than four people. All that said, Nokia isn't claiming that the 5800 is the be all end all, is releasing it with a very aggressive price point (€279 unlocked), and promises more where this came from.

The phone ships this fall in Europe, and will show up next year in the States without a carrier, though hopefully it picks up one soon -- a $50 subsidised price tag could turn this thing into a hit if the US carriers don't sit on it too long.

Sony Ericsson has, along with a couple of other models, released the XPERIA X1. This multimedia/communication combo phone has an "arc slider," which means you can slide the screen sideways to bring out the full-QWERTY keyboard. The rumor mills say Sony Ericsson has outsourced the manufacture of the model to HTC.

The front features a 3-inch WVGA (800 x 480) touchscreen display. In a first for Sony Ericsson, this model will run the Windows Mobile operating system with Outlook and Office Mobile. The user interface can be operated either by the touch interface, an optical joystick, a 4-way navi-pad, or the QWERTY keyboard.

Connectivity options come in the form of Wi-Fi, 3.5G HSDPA/HSUPA, and aGPS. A 3.2 megapixel auto-focus camera sits at the back. The 400 MB of internal memory can be expanded via microSD cards. The XPERIA X1 weighs around 145 gm and is 16.7 mm thick.

Health Tip of the Day - Who knew?!!!!

1. To remove a bandage painlessly, saturate the bandage with vodka. The stuff dissolves adhesive.

2. To clean the caulking around bathtubs and showers, fill a trigger-spray bottle with vodka, spray the caulking, let set five minutes and wash clean. The alcohol in the vodka kills mould and mildew.

3. To clean your eyeglasses,simply wipe the lenses with a soft, clean cloth dampened with vodka. The alcohol in the vodka cleans the glass and kills germs.

4. Prolong the life of razors by filling a cup with vodka and letting your safety razor blade soak in the alcohol after shaving. The vodka disinfects the blade and prevents rusting.

5. Spray vodka on wine stains, scrub with a brush, and then blot dry.

6. Using a cotton ball, apply vodka to your face as an astringent to cleanse the skin and tighten pores.

7. Add a jigger of vodka to a 12-ounce bottle of shampoo. The alcohol cleanses the scalp, removes toxins from hair, and stimulates the growth of healthy hair.

8. Fill a sixteen-ounce trigger-spray bottle with vodka and spray bees or wasps to kill them.

9 Pour one-half cup vodka and one-half cup water into a Ziploc freezer bag and freeze for a slushy, refreshing ice pack for aches, pain or black eyes.

10. Fill a clean, used mayonnaise jar with freshly packed lavender flowers, fill the jar with vodka, seal the lid tightly and set in the sun for three days. Strain liquid through a coffee filter, then apply the tincture to aches and pains.

11. To relieve a fever, use a washcloth to rub vodka on your chest and back as a liniment.

12. To cure foot odour, wash your feet with vodka.

13 Vodka will disinfect and alleviate a jellyfish sting.

14. Pour vodka over an area affected with poison ivy to remove the urushiol oil from your skin.

15. Swish a shot of vodka over an aching tooth. Allow your gums to absorb some of the alcohol to numb the pain.

LETTER TO PRIME MINISTER

Dear Mr. Prime minister

I am a typical mouse from Mumbai. In the local train compartment which has
capacity of 100 persons, I travel with 500 more mouse. Mouse at least squeak
but we don't even do that.

Today I heard your speech. In which you said 'NO BODY WOULD BE SPARED'. I
would like to remind you that fourteen years has passed since serial bomb
blast in Mumbai took place. Dawood was the main conspirator. Till today he
is not caught. All our bolywood actors, our builders, our Gutka king meets
him but your Government can not catch him. Reason is simple; all your
ministers are hand in glove with him. If any attempt is made to catch him
everybody will be exposed. Your statement 'NOBODY WOULD BE SPARED' is
nothing but a cruel joke on this unfortunate people of India.

Enough is enough. As such after seeing terrorist attack carried out by about
a dozen young boys I realize that if same thing continues days are not away
when terrorist will attack by air, destroy our nuclear reactor and there
will be one more Hiroshima.

We the people are left with only one mantra. Womb to Bomb to Tomb. You
promised Mumbaikar Shanghai what you have given us is Jalianwala Baug.

Today only your home minister resigned. What took you so long to kick out
this joker? Only reason was that he was loyal to Gandhi family. Loyalty to
Gandhi family is more important than blood of innocent people, isn't it?

I am born and brought up in Mumbai for last Thirty eight years. Believe me
corruption in Maharashtra is worse than that in Bihar. Look at all the
politician, Sharad Pawar, Chagan Bhujbal, Narayan Rane, Bal Thackray ,
Gopinath Munde, Raj Thackray, Vilasrao Deshmukh all are rolling in
money. Vilasrao
Deshmukh is one of the worst Chief minister I have seen. His only business
is to increase the FSI every other day, make money and send it to Delhi so
Congress can fight next election. Now the clown has found new way and will
increase FSI for fisherman so they can build concrete house right on sea
shore. Next time terrorist can comfortably live in those house , enjoy the
beauty of sea and then attack the Mumbai at their will.

Recently I had to purchase house in Mumbai. I met about two dozen builders.
Everybody wanted about 30% in black. A common person like me knows this and
with all your intelligent agency & CBI you and your finance minister are not
aware of it. Where all the black money goes? To the underworld isn't it? Our
politicians take help of these goondas to vacate people by force. I myself
was victim of it. If you have time please come to me, I will tell you
everything.

If this has been land of fools, idiots then I would not have ever cared to
write you this letter. Just see the tragedy, on one side we are reaching
moon, people are so intelligent and on other side you politician has
converted nectar into deadly poison. I am everything Hindu, Muslim,
Christian, Schedule caste, OBC, Muslim OBC, Christian Schedule caste, Creamy
Schedule caste only what I am not is INDIAN. You politician have raped every
part of mother India by your policy of divide and rule.

Take example of former president Abdul Kalam. Such a intelligent person,
such a fine human being. You politician didn't even spare him. Your party
along with opposition joined the hands, because politician feels they are
supreme and there is no place for good person.

Dear Mr Prime minister you are one of the most intelligent person, most
learned person. Just wake up, be a real SARDAR. First and foremost expose
all selfish politician. Ask Swiss bank to give name of all Indian account
holder. Give reins of CBI to independent agency. Let them find wolf among
us. There will be political upheaval but that will better than dance of
death which we are witnessing every day. Just give us ambient where we can
work honestly and without fear. Let there be rule of law. Everything else
will be taken care of.

Choice is yours Mr. Prime Minister. Do you want to be lead by one person or
you want to lead the nation of 100 Crore people?

BSE Certification on Securities Markets (BCSM)







EXAMINATION PLAN & CERTIFICATION

The passing of this examination entitles the candidate to receive BSE Certification on Securities Markets (BCSM).

BTI conducts a test of 100 marks consisting of 60 questions. The questions are of objective type having multiple choice. A quarter mark is deducted for each wrong answer.

BCSM is awarded to only those candidates who obtain a minimum of 50% marks.

There is no minimum eligibility criterion for taking the test.



Persons interested in taking the test in Mumbai may approach the BTI with 4 passport size colour photographs and a DD of Rs. 843.00 drawn in favour of "Bombay Stock Exchange, Limited" payable at Mumbai.
Persons interested in taking the test at any of the following centres other than Mumbai may approach the respective centres with 4 passport size colour photographs and a DD of Rs.843.00 drawn in favour of "Bombay Stock Exchange, Ltd." and payable at the respective centre.


Click here to view the list of Test Centres

OBJECTIVES OF THE TEST
To ensure that the participants in stock market have adequate knowledge of the Stock Exchange operations.

TEST SYLLABUS

Secondary Market, Trading Clearing and Settlement, Rolling Settlement, BOLT, Mutual Funds, Tax Provisions, Dematerialisation of Shares, Surveillance, Sensex and Other Indices, Futures and Options, Inspection of Brokers' Books, Ethics and Code of Conduct of Brokers/Sub-brokers, Primary Market, Book Building & IPOs, Listing, Investors' Grievances Redressal System available with BSE, SEBI & CLB, Debt Market and Internet Trading.

TARGET AUDIENCE

Stock Brokers, Sub-brokers, Mutual Funds, DPs and Investors.

DURATION & TIME

90 minutes


FEES

FOR APPEARING AT MUMBAI CENTER

Rs. 843.00 payable through DD in favour of "Bombay Stock Exchange, Limited" payable at Mumbai per participant per attempt inclusive of test workbook, Service Tax and Education Cess.

THE CTM PROGRAM

With the significant developments that have taken place in the Capital, Money, and Foreign Exchange Markets in the recent years affecting volatility in exchange rates and accentuating liquidity constraints, corporates and banks have started paying closer attention to the treasury and forex management function. The globalization of the economy with mobilization and deployment of funds from/in other countries is also necessitating growing attention in the area of treasury and forex management.

Treasury Management

Treasury Management is fast emerging as a specialization in many companies and the accounting function is being delinked from the finance function. Highly focused knowledge of capital markets, money markets, instruments and investment avenues, treasury and risk management and related areas, has become essential for managing the treasury profit center successfully.

Forex Management

In the field of Forex Management, the opportunities to raise money outside India, and the factors which influence the evaluation of overseas capital investment projects, are not completely understood. The network of payments and the international investments have elevated the study of finance to a multinational scale. Events in distant lands, whether they involve changes in the prices of oil and gold, election results, the outbreak of war, or the establishment of peace, have effects which instantly reverberate around the globe. In this increasingly integrated and interdependent financial environment, the links between money and capital markets have become extremely close.

In the wake of these interesting developments in the field of Treasury and Forex Management, ACTM (India) in collaboration with the Association of Chartered Treasury Managers (ACTM), USA has developed a unique Professional Certification Program in Treasury and Forex Management titled "The Certified Treasury Manager" Program for the benefit of postgraduate students in management and professionals/working executives engaged or interested in the area of treasury and forex management. Successful completion of the CTM Program leads to the Membership in Association of Certified Treasury Managers, India. The members are entitled to use the "CTM" in short. The members are also entitled to become affiliate members in the Association of Chartered Treasury Managers, USA.

Top

Objectives

The Certified Treasury Manager Program is a highly specialized course imparting focused knowledge in the areas of treasury, forex and risk management.

The CTM Program has the following objectives :

To develop a new body of knowledge and skills and make it available for those seeking challenging careers in the new era of liberalization and globalization.
To provide a conceptual framework for understanding the Money Markets and the Foreign Exchange Markets.
To cultivate appreciation of the inter-linkages between the Money Markets and Foreign Exchange Markets and the practical implications of these linkages.
To improve the ability for measuring and managing financial risks in corporates and banks.
To impart skills in treasury and foreign exchange management which are relevant in the electronic age, where managers will be operating in a web enabled environment.
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For Whom

Keeping in mind the avenues open to candidates who take up the CTM Program, this course would be useful for : Finance and Accounting Professionals like CFAs, CAs, CWAs, CSs, MBAs who seek careers in treasury/forex departments of banks/corporates.

Professionals employed in the forex departments of banks or with forex dealers.
Professionals working in the treasury/investments departments of corporates/banks.
Entrepreneurs and managers controlling export businesses.
Candidates pursuing professional courses like CFA, CA, CWA, CS, CAIIB etc.
Candidates pursuing full-time postgraduate programs in commerce, economics, mathematics, statistics and management.
Other individuals associated with international business and funds.
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Skills to Succeed

The surge of activity in the money and forex markets require constant monitoring and managing. To succeed in these areas, candidates should possess the following skills.

Mathematical Aptitude
Computer Skills
Ability to withstand pressure
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Eligibility

The following categories of candidates are eligible to enroll into the CTM Program

CFAs/CAs/CWAs/CSs.
Candidates with PG qualifications like PGDBA/MBA/MMS/MFC/MIB/ MBE/MCom/ MA (Eco)/MSc (Maths)/MSc (Stats), etc.
The following categories of candidates are also eligible to enroll into the CTM Program, provided they are graduates.
Candidates who passed CFA (Level I), CA (Inter), CWA (Inter), CS (Inter) or CAIIB (Part I).
Bankers with CAIIB qualification.
Full-time students of the PGDBA/MBA/MMS/MFC/MIB/MBE/MCom programs with Business Schools/University Departments, IIMs and other reputed institutions.
Full-time students of MA (Eco)/MSc (Maths)/MSc (Stats).
Executives with minimum 5 years experience in executive capacity in corporate/banking sector with relevant experience in treasury or foreign exchange areas.
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Duration

The CTM Program may be completed in a period of one year.

Period of Validity of Enrollment

The enrollment of a candidate in the CTM Program is valid for three years from the date of enrollment. Candidates who are unable to complete the program within the three-year validity period, but, keen on continuing in the program, are required to register de novo.

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Program Structure

The CTM Program covers all the important topics related to treasury and foreign exchange. The broad areas in which the body of knowledge is developed and the candidates will be examined, are divided into two Groups consisting of two Parts each.

The structure of the CTM Program and details of marks and time allotted for each Part is given below:

Group/Part
Marks allotted
Duration of
Examination
GROUP A
Part I : Treasury Management
Part II : Foreign Exchange Management

100
100

3 hours
3 hours
GROUP B
Part III : Risk Management - I
Part IV : Risk Management - II

100
100

3 hours
3 hours
The CTM Candidates are required to undertake a Project Work as an integral part of the Program.

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Learning Benefits

The candidates enrolling into the CTM program are likely to get several learning benefits from each one of the subjects of study. Each subject is given in-depth coverage so that the candidates derive immediate and practical benefits. Broadly speaking, the candidates acquire three types of skills:

Basic Skills
Application Skills
Integrative Skills
The more important learning benefits are identified below:

You will be able to understand the scope and functions of treasury management and its linkages with corporate finance and functional areas of management.
You will get to know the financial forecasting techniques and how to apply them in treasury management.
You will appreciate the significance of effective liquidity management under conditions of surplus and deficit.
You will have an understanding of long-term financial planning and the tools and techniques used for estimations.
You will learn about financial markets and instruments and the emerging trends.
You will learn about basics of international economics and international finance including international financial markets and instruments markets and instruments instruments instruments instruments instruments.
You will appreciate the methods of financing international trade.
You will understand the key aspects relating to forex markets and determination of exchange rates.
You will learn about risk management and various tools and techniques.
You will know how to manage risks with various derivative instruments.
You will grasp the accounting and tax implications of various derivatives.
You will get an insight into handling financial crisis situations including bankruptcy.
You will grasp the nuances of financial management of multinational corporations including treasury management in MNCs.
You will appreciate the key role of management of relationships with bankers and institutions.
You will grasp the basics of internal treasury controls through effective MIS.
You will get exposure to speculation and ethical dilemmas in treasury management

Earlier individuals used to approach self proclaimed financial advisors for advice. Over a period of time things changed, one started looking at banks, brokerage houses, insurance companies, tax consultants for advice. However, individuals still aren’t getting the counsel that takes an integrated view of their life and financial goals. Even professionals like CAs, CWAs, CFAs are aptly qualified to handle one’s personal finance for instance Chartered Accountants specialise in accounting, CWA specializes in costing, CFA specialises in portfolio management and investment analysis, MBA in finance specializes in general finance and management.
Therefore today the need for a Certified Financial Planner (CFP) is growing. A CFP has specialisation in areas of insurance, investment, taxation, estate planning and retirement planning. A CFP doesn't see an individual’s financial needs such as insurance or investment in isolation but considers all aspects in totality.

SCOPE OF CPF
An increasing number of banks like ICICI bank, Standard Chartered Bank and others are making it mandatory for their Relationship Managers to acquire the CFP certification. Regulatory bodies like SEBI, IRDA, PFRDA etc are gradually educating and encouraging individuals to consult CFPs for their financial needs.

According to a recent report, there will be a need for 50,000 CFPs in India in the next few years. Currently India has around 450 + CPFs. As mentioned above, jobs would be offered in banks, insurance sector, financial services sector.

Overview of comprehensive Financial Planning

What is overall comprehensive Financial Planning
The place, role & importance of each module in this process
Holistic approach & code of ethics
Personal/Intra personal communication skills required.
Risk Management & Insurance Planning

Different kinds of risks & how to manage them
How dose insurance works
Doctrines of insurance
How the cost of insurance is determined
Rating practices in general insurance
How to plan the insurance –Life stage wise
Once case study
Retirement Planning & Employee Benefits

Need for Retirement Planning
How to determine the retirement corpus & planning for it’s achievement
Statutory retirement benefits offered by the Govt. / Pvt. Employees
Mathematical calculation of Gratuity / EDLI / Leave Encashment / EPS 1995 / EPF / PPF
Tax treatment of the above
Group Insurance schemes
OASIS
Investment Planning

Different classes of assets and their characteristics
Liquid Assets
Call money / Notice money / T Bills / Commercial Paper / Commercial Deposits
MMMF’s
Fixed Interest Earning Securities
Govt / PSU / Corporate Bonds /
Understanding the Concept & Calculation of YTM
Growth Assets
Equity
Valuation of Shares
Calculation of EPS / Dividend Yield / P.E. ratios
Mutual Funds
Selection process
Subtopic
Real Estate
Risk Profile
Asset Allocation
Strategic / Tactical
Rebalancing techniques
Concept of returns
Various types of returns and how to calculate them mathematically
Concept of Risk
Various types of risk & to measure them
Risk Adjusted Returns
Standard Deviation / Sharpe Ratio / Treynor Ratio / Jensen Ratio
Risk hedging Techniques
Forwards / Futures / SWAP / Options
Portfolio Design based on life stages & risk profile
Case Study
Taxation & Estate Planning

1. Tax Avoidance / Tax Evasion / Tax Planning
2. Ways & Means of Taxation Planning for Salaried Individuals, firms, Companies
3. Use of Taxation Planning in Management Decision Making Process like –
Make or Buy, Choice of Entity, Capital Structure etc.
4. Residential Status & Applicable Tax Laws to them
5. Taxation Laws & Rules applicable to Individuals / HUF / Firms / Companies / Co. Op. Soc. Etc.

Advance Financial Planning


HOW 2 BECOME CFP
The 4-step process involving 4 Es to become a Financial Planner.

1. Education.

Eligibility.
Ensure you have the requisite education requirement: HSC Marksheet / Graduation / Post Graduation from a recognized university.

Skills.
Ensure you have the skills required to be a Financial Planner:

Ability to understand the Financial Planning process
Ability to gain trust and build relationships with clients
Ensure you have the technical competence in the following areas:

Insurance Planning
Investment Planning
Tax Planning
Retirement Planning
Cash Flow Analysis Budgeting and other mathematical skills
2. Experience

The experience requirement centers on work that involves personal financial planning. It is designed to provide the public with the assurance that the candidate understands the counseling nature of personal financial planning. For CFPCM certification examination, the candidate is required to have a minimum of three years of relevant work experience.

3. Examination

Appear for the globally recognized CFPCM certification examination.

What’s the CFPCM exam all about?
Get your technical skills tested in the following areas:

* Risk Management & Insurance Planning
* Investment Planning
* Retirement Planning
* Tax and Estate Planning
* Advance Plan Construction

All the above exams are conducted by the FPSB in every alternate month, across 7 cities in India.
Click here to know the exam details»

Who gives the CFPCM certification in India?
CFPCM is conducted by Financial Planning Standards Board of India (part of Financial Planning Standard Board Council located at Denver, USA) and is recognized by its Indian charter members.

Be CFPCM certified.
CFPCM is a global certification, which endows the holder with the freedom to practice in more than 19 countries (You only need to clear one module on local tax laws to be eligible to practice in these 19 countries). The CFPCM certification is regarded as a premier qualification in financial advisory services and is among the leading career choices in developed countries.

With a CFPCM certification, you will get on a golden career path alongside fellow Financial Planners from 20 countries.

How do you register for the exam?
1. Become an FPSB India Student member.
You can register with FPSB India by paying a Student Registration fee of Rs. 5000.The Student Registration is valid for 1 year. To download form click here
FPSB India Student Regisration form

2. Exam Details and Fees.
FPSB, India conducts the exam every two months. The test fees are Rs. 1000 per test for the first 4 modules and Rs. 5000 for the last module. The Examination is outsourced to NSE, for which you will have to fill the NCFM form and attach a Passport size photograph , To download form click here
Note: Please make separate DDs for Registration and Exam Fees favoring Financial Planning Standards Board, India payable at Mumbai.
NCFM Examination form

4. Ethics

On completion of the education, examination and experience requirements, the candidate for CFPCM Certification receives a Declaration Packet which includes an ethics statement form. Prior to certification, the candidates will be required to disclose past or pending litigation or agency proceedings, and to acknowledge the right of FPSB to enforce its Professional Standards through its Disciplinary Rules and Procedures. By fulfilling this requirement, the candidate demonstrates to the public that he/she has agreed to provide personal financial planning in the clients best interest and to act in accordance with the highest ethical and professional standards for the practice of financial planning.


CFP Examinations for Modules 1,2,3,4 are now conducted everyday. Student has to schedule his/her own Examination on the website www.nseindia.com. All the four modules will be conducted online viz. on real time basis.
Note: The CFP Examination are as follows

Examination 1 - (Risk Management and Insurance Planning), Examination 2 - (Retirement Planning and Employee Benefits), Examination 3 - (Investment Planning) and
Examination 4 - (Tax Planning & Estate Planning)
A candidate needs to be registered with FPSB India and have a NCFM Number to register for CFP examination.
A candidate can register with FPSB India by submitting the New FPSB India Registration Form along with a DD of Rs. 7500/- drawn in favour of “Financial Planning Standards Board India ” payable at Mumbai to his education service provider.
One can obtain a NCFM Number by registering himself/herself on the NSE website as follows
Log on to the website www.nseindia.com
Click on NCFM on the top menu bar of the website
Select – Online Register / Enroll
Click - New User? Register here
Fill up the online form completely
Check the filled up form thoroughly. Ensure that your name, date of birth, email id and mobile number has been filled up correctly.
Click on Submit after checking the form once again
The NCFM Number will be sent on your email id.
NOTE: In case you have already taken any other module or exam from NSE/NCFM you would already have a NCFM number, DO NOT create a new NCFM number in that case

A Fresh candidate can appear for any module examination (except 5th module) after 60 days of his /her registration with FPSB India. A candidate will not be able to view the CFP modules on NSE site in case he has not registered with FPSB India.
After obtaining the NCFM Number or candidates already having NCFM Number, in both the cases, the candidates will have to create their User ID & Password on the NSE website as follows
Log on to www.nseindia.com
Click on NCFM on the top menu bar of the website
Select Online Register / Enroll
Click on “Existing NCFM Candidates can click here to obtain their User ID & Password”

After creating the user id and password, upload your recent passport size photograph on the NSE website.
Note: It is mandatory for all students to upload their photographs with NSE, if not done earlier. The same has to be done at www.nseindia.com

Choose the module you want to appear for. For example Risk Management and Insurance Planning
Select the name of City where you want to take the test and the date/month/year you wish to take the exam.
Note: CFP Exams for modules 1,2 3,4 are now conducted in 71 cities in India . The examinations will be centrally administered by National Stock Exchange of India (NSE), at their test centers.Examination Centers for Module 1, 2, 3 & 4 will be decided as per the vacancies and slots available with NSE at the time of enrolment for the Examination.

View the seats available.
Note: All the Exams are of 2 hours duration. Students can schedule any number of Examinations as per availability of seat.

Book your seat
Note: Request for carry forward of examination OR request for change in exam dates, change in exam & change in exam centre etc. would NOT be entertained by FPSB India under any circumstances, hence select the date carefully

Pay the Examination Fee. Examination fee can be paid in three ways i.e. online by debit/credit card or by cash at the designated ICICI Bank branches or net banking. Enrolment/registration for Examination can be done only on payment of fee to NSE. For more details refer website www.nseindia.com .
Note: The Examination Fee has been revised as below:

For students taking the examinations during the dates 14th July 2008 to 9th August 2008: Rs 1,000/- per ExaminationFor students taking the examinations from 11th August 2008 to 31st March 2009: Rs 1,500/- per Examination
For students taking the examinations from 1st April 2009 onwards: Rs 2,000/- per Examination

Admit card (Hall ticket) will be generated by the system. Students are required to take a printout of their admit card and carry the same to the test center. The student will be informed about the examination schedule via SMS alert.
Candidates have to carry a photo ID Proof to the exam hall. For example, PAN Card, Driving License, Passport.
Candidate who do not attend the Examination in spite of registering for the exam will be considered as absent for the said examination.

An MBA can be expensive; this year's Stanford tuition, for example, is more than $43,000. And getting an MBA will consume two years of your life, if you're in a full-time program.

Obviously, then, before spending your time and money applying to school, you should decide if you really want and need an MBA.

Who Should Get an MBA: People with a Plan
Business school isn't for the clueless; it isn't meant to be a two-year placeholder in your middle or late 20s. Business schools look for people with a career plan that includes a legitimate need for an MBA-so even though it's okay to go to B-school without being sure what you want to do with your life, you should think about possible career goals, and whether attainment of them would be made easier with an MBA, before applying.

You won't be doing yourself any favors by going to B-school without direction or focus. If you haven't narrowed your focus at all, you'll probably be too swamped to do justice to career-direction decisions once school starts.

Who Should Get an MBA: People with Experience
Business schools focus on enrolling students with at least some real-world experience; the average student at a top business school is in his or her middle or late 20s. Why? For one thing, schools feel that if you have some experience, you'll have a better idea of how business works and what you'd like to do with your life than if you're fresh out of college.

In addition, if you have experience in industry you'll have more to contribute to your peers. One of the drawing cards of business school is the opportunity to learn from your peers-but of course that's only possible when you and your peers have something to teach each other.

If you're a college student who's dead-set on going straight to business school, you shouldn't necessarily fret. But you need to know that, to get into a top school, you'll need significant business-related coursework, a compelling reason for getting your MBA now rather than later, and impressive internship or temporary work experience.

Who Should Get an MBA: Leaders and Would-Be Leaders
The MBA is not essential for a leadership role in business—plenty of top executives got where they are by moving up through the ranks—but business school can be a great way station on the road to a leadership-oriented career.

By the time you graduate, you'll have spent thousands of hours in class or on group projects reading about, thinking about, and talking about a wide variety of businesses. As a result, you'll be better equipped than ever to make high-level business decisions.

And you'll probably spend some time studying "softer," people-focused coursework and projects, which will give you tools that will help you manage people in the pursuit of business goals.

Who Should Get an MBA: Career Changers
In business school, you'll get a chance to think through a wide range of business problems in a wide range of industries. You'll gain the skills needed to perform a variety of specific job functions. Having an MBA can make you attractive to a range of employers no matter what industry you worked in before B-school.

Who Should Get an MBA: People in Industries that Require the MBA for Advancement
In some industries and job functions very few people hired as college grads are promoted to more advanced positions.

On Wall Street, for example, people in sales and trading often can advance without a graduate education, but at most firms an MBA is necessary for advancing in a banking career. And the need for an MBA may be even greater in consulting.

Who Shouldn’t Get an MBA: People Who Want More Academic Focus than an MBA Offers
Whatever unique MBA program you might attend, the MBA is still a general business-management degree, designed to train people in a variety of topics to help them run a business. Some people are more interested in learning deeply about a single business-related subject, such as accounting or economics. If you’re one of these people, you should seek out a specialized graduate-degree program in your subject of interest.

Who Shouldn’t Get an MBA: Some Entrepreneurs
For some entrepreneurial types, the opportunity cost of going to B-school can be too great to justify taking two years away from work. Those with a great idea might blow the chance to be first to market with that idea; those already in entrepreneurial work situations can lose the opportunity to grow a business in the real world.

On the other hand, there are some good reasons for entrepreneurs to consider business school. You’ll get exposure to a wide range of business issues that should make you more equipped to run a business. You’ll learn about better ways of managing people. And if you’ve got a great idea but no capital with which to make your entrepreneurial dream a reality, business school can plug you into a network that can help you find funding.

Who Shouldn’t Get an MBA: Those without a Deep Desire for a Business Career
Artists, writers, craftspeople, scientists—these and others like them rarely have reason to get an MBA. Of course, there are exceptions: for instance, the craftsperson who wants to start a business, the scientist who wants to work in management for a biotech company, the business journalist, and so on.

Career Objectives : You could talk about your career objectives and how the two year MBA programme will help you achieve them. This implies that you have a clear idea of what your career objectives are and how you wish to achieve them. For example, you may want to be an entrepreneur and wish to set up your independent enterprise after doing your MBA and then working for a few years in a professionally managed company. You could explain to the panel that the MBA programme will provide you with the necessary inputs to help you run your business enterprise better. But then you must be clear about what the inputs you will receive in the MBA programme are.

Value Addition : That brings us to the second area that your answer should touch upon. What is the value you will add to yourself during your two year study of management. Value addition will essentially be in two forms knowledge and skills. Knowledge of the various areas of management e.g. marketing, finance, systems, HRD etc. and skills of analysis and communication. You will find it useful to talk to a few people who are either doing their MBA or have already done it. They will be able to give you a more detailed idea of what they gained from their MBA.

Background : Remember, there must be no inconsistency between your proposed study of management and your past subject of study or your past work experience. If you have studied commerce in college then management is a natural course of higher studies. If you are an engineer this is a tricky area. You must never say that by pursuing a career in management you will be wasting your engineering degree. Try and say that the MBA course and your engineering degree will help you do your job better in the company that you will join. But then you should be able to justify how your engineering qualification will help.

Opportunities and Rewards : You could also at this stage mention the opportunities that are opening up in organizations for management graduates. Highlight with examples. At the end you may mention that while monetary rewards are not everything they are also important and MBAs do get paid well. You must not mention these reasons as your primary motivators even if that may be the case.

What to Expect ?

In general, B-school interviews are not formulaic. The focus can range from specific questions about your job responsibilities to broad discussions of life. Approach the interview as a conversation to be enjoyed, not as a question-and-answer ordeal to get through. You may talk more about your hobbies or recent cross-country trip. This doesn't mean that it won't feel like a job interview. It just means you're being sized up as a person and future professional in all your dimensions. Try to be your witty, charming, natural self. Interviews are conducted by students, faculty, admissions personnel and alumni. Don't dismiss students as the lightweights; they follow a tight script and report back to the committee. However, because they're inexperienced beyond the script, their interviews are most likely to be duds. You may have to work harder to get your points across.

How to Prepare ?

Prepare for the interview in several ways: Expect to discuss many things about yourself. Be ready to go into greater depth than you did in your essays (but don't assume the interviewer has read them). Put together two or three points about yourself that you want the interviewer to remember you by. Go in with examples, or even a portfolio of your work, to showcase your achievements. Practice speaking about your accomplishments without a lot of "I did this, I did that." Finally, be prepared to give a strong and convincing answer to the interviewer's inevitable question: "Why here?"

Self Awareness

1. How would you describe yourself ?
2. Tell me about yourself ?
3. How do you think a friend or professor who knows you would describe you?
4. What motivates you to put forth your best effort ?
5. How do you determine or evaluate success ?
6. What academic subjects did you like best ? Least ?
7. What led you to choose the career for which you are preparing ?
8. What personal characteristics are necessary for succeeding in the career that you are interested in ?
9. What is your philosophy of life ?
10. Why have you switched career fields ?

Weaknesses / Negatives

1. What major problems have you encountered and how have you dealt with them ?
2. What have you learnt form your mistakes ?
3. What do you consider to be your greatest weakness ?
4. Did you ever have problems with your supervisor ?

Skills / Abilities / Qualifications

1. What do you consider to be your greatest strength ?
2. Are you creative ? Give an example.
3. What qualifications do you have that makes you think you will be successful ?
4. In what way do you think you can make a contribution to society?
5. Why should we take you ?
6. What are your own special abilities ?
7. Why should we take you over another candidate ?
8. What is your managing style ?
9. Why do you want to join this institute ?
10. What do you know about our institute ?

Values

1. What is your attitude towards working hard ?
2. What part does your family play in your life ?
3. What are the most important rewards you expect in your career ?
4. What is more important to you : money offered, or the type of job ?
5. Do you enjoy independent research ?
6. In what kind of a work environment are you most comfortable ?
7. How would you describe the ideal job for you ?
8. What two or three things are most important to you in your job ?
9. Do you prefer working with others or all by yourself ?
10. How do you like to work ?
11. Under what conditions do you work best ?
12. What is the highest form of praise ?

Experience

1. In what part-time or summer job have you been most interested ?
2. Tell me about your experience.
3. What jobs have you held ?
4. How did your previous employer treat you ?
5. What have you learnt from some of the jobs that you have held ?
6. What jobs have you enjoyed most ? Least ? Why ?
7. What have you done that shows initiative and willingness to work ?
8. Describe your current job.
9. What did you like least about your last job ?
10. What did you like most about your last job ?

Goals / Objectives

1. What are your short-term and long-term goals and objectives ?
2. What specific goals other than those related to your occupation have you chosen for yourself for the next 10 years ?
3. What do you see yourself doing 5 years from now ?
4. What do you really want to do in life ?
5. How do you plan to achieve your career goals ?

Education

1. How has your education prepared you for a career ?
2. Describe your most rewarding college experience.
3. Why did you select your college or university ?
4. If you could, would you plan your academic study differently ?
5. Do you think grades are a good indication of your academic achievement ?
6. What have you learnt from participation in extracurricular activities ?
7. Do you have plans for continuing your studies ?
8. Why did you pick your programme ?
9. What courses did you like best and why ?
10. What courses did you like least and why ?
11. How has your college experience prepared you for this job ?
12. How did you pick your dissertation ?
13. Describe your dissertation process.

Salary

1. What do you expect to earn in 5 years ?
2. What did you earn in your last job ?

Interests

1. What are your outside interests ?
2. What do you do with your free time ?
3. What are your hobbies ?
4. What types of books do you read ?
5. How interested are you in sports ?
6. How did you spend your vacations in school ?

General

1. What qualities should a successful manager possess ?
2. Describe the relationship that should exist between a supervisor and a subordinate.
3. What 3 accomplishments have given you the greatest satisfaction ?
4. If you were taking a graduate for this institute, what qualities would you look for ?
5. What can I do for you ?
6. Tell me a story.
7. Define cooperation.

Stress Questions

1. What causes you to lose your temper ?
2. How often have you been absent from school, work or training ?
3. Have you ever had trouble with other people on the job ?
4. Can you take instructions without getting upset ?
5. Don't you feel you are a little to old/young for this job ?
6. How does your family like you being away on business trips ?
7. With your background, we believe that you are overqualified to join this institute.
8. You haven't had sufficient experience in this field.
9. Our experience with women on this job has not been good.
10. What would irritate you most if I as a manager did it ?

Influencing Others

1. Tell me about the time you were most persuasive in overcoming resistance to your ideas or point of view.
2. Tell me about the last time someone made an unreasonable request of you.
3. Describe the most disappointing and frustrating experience in gaining the support of others for an idea or proposal.

Interpersonal Skills

1. Describe a situation where it was most important for you to display tact and diplomacy.
2. Tell me about the last time you had a clash or disagreement with someone at school/college/workplace.
3. Tell me about a time when you felt most frustrated and disappointed at a person with whom you had worked.

Personal Adaptability

1. Tell me about the last time you were criticized by a supervisor or a professor.
2. Tell me about the time when you felt most pressured or stressed at work/ school/internship.
3. Tell me about the time when you felt most frustrated at your school/workplace.
4. In what aspects of your work/internship do you have the most confidence in your abilities.

Communication Skills

1. Tell me about the time when you felt best about your ability to draw out or solicit information from another person.
2. Tell me about the time when you had to work your hardest in order to fully understand what another person was saying to you.
3. Describe the last time when someone at school/work misunderstood what you were trying to communicate.

Motivation

1. Tell me about the most long term, sustained extra hours of effort that you put into your work/college/internship.
2. Describe a time when you felt most frustrated or discouraged in reaching your goals or objectives.
3. What do you feel has been your most significant work/school/internship related achievement within the past year or so ?
4. Describe the last time you did something well which went beyond the expectations in your work/internship.

Administrative Skills

1. Tell me how you go about organizing your work and scheduling your own time.
2. What do you do to ensure that your goals and objectives are met in a timely way ?
3. Describe the most extensive planning that you have ever done.

Problem Solving and Decision Making

1.Tell me about the most difficult problem that you faced in your work/school/internship ?
2.Tell me about the last time you made a decision that backfired.
3.Tell me about the time when you regretted most not getting advice before you went ahead ?

Conflict Management Skills

1. Tell me about the last significant crisis situation that you faced in your work.
2. Tell me about a time when you were most persuasive in overcoming resistance to your ideas.
3. Tell me about the time when you had a disagreement with someone at work.

Nobody believes the official spokesman... but everybody trusts an unidentified source.

BUSINESS AFFAIRS

1. The new chief executive officer of Citibank (India) is

a. Nanoo Pamnani

b. Dalbir Singh

c. Sanjay Nayar

d. P.V. Narasimhan

2. Camry — the best selling car in the US for the last four years is a car model that has been launched in India recently. This model belongs to the house of

a. Honda

b. Nissan

c. General Motors

d. Toyota

3. BPO expands to

a. Business Process Outsourcing

b. Business Promotion Outsourcing

c. Business Problems Outrearch

d. Bullion Processing Order

4. Boss is the name of the latest bike model from

a. Hero Honda

b. TVS

c. Kinetic Engineering

d. Kawasaki Bajaj

5. Drive smart is the name of a chip-based fleet credit card, targeted at the commercial fleet owners. This has been launched recently by

a. HDFC Bank

b. IDBI Bank

c. ICICI Bank

d. Global Trust Bank

6. Which of the following is the world’s largest express transportation company?

a. DHL

b. Elbee

c. FedEx

d. Blue Dart

7. The new revenue secretary is

a. Ajai Vikram Singh

b. S. Narayan

c. C. S. Rao

d. D. C. Gupta

8. The National Bank for Agriculture and Rural Development (NABARD) is headquartered at

a. New Delhi

b. Kolkata

c. Mumbai

d. Chennai

9. What percentage of the Indian population uses the Internet?

a. 0.8%

b. 1.6%

c. 3.1%

d. 5.7%

10. The President-elect of FICCI is

a. Tarun Dass

b. Arun Kumar

c. A. C. Muthiah

d. R. S. Lodha

11. Which of the following is a brand of matches?

a. Mahila

b. Lijjat

c. Wimco

d. Harpic

12. Which of the following cellular giants is the market leader in India in terms of handsets?

a. Samsung

b. Siemens

c. Motorola

d. Nokia

13. Blue-i and True-i are the names of mobile handsets from

a. Panasonic

b. Siemens

c. Motorola

d. Samsung

14. Which of the following is true about the targets of the Tenth Five-Year Plan?

a. Disinvestments target for the next five years is Rs. 78,000 cr.

b. Targeted GDP growth at 8% per annum.

c. To provide 50 million jobs per year.

d. All of the above are true

15. Thriving on Chaos is a book by one of the following management

gurus:

a. Peter Drucker

b. Tom Peters

c. C. K. Prahalad

d. Philip Kotler

16. Which of the following Indian cricketers is the brand ambassador of Standard Chartered, Kinetic Boss and SET MAX?

a. Rahul Dravid

b. Kapil Dev

c. Sachin Tendulkar

d. Saurav Ganguly

17. Which of the following is India’s largest foreign bank?

a. ABN Amro Bank Ltd.

b. Standard Chartered

c. Citibank

d. HSBC

18. The chief executive officer of Standard Chartered bank (India

region) is

a. Anoop Tony Singh

b. Dalbir Singh

c. Naresh Gupta

d. Jaspal Bindra

19. Which of the following stores claims itself to be the man’s store with a British accent?

a. Shopper’s Stop

b. Ebony

c. Pall Mall

d. K-Mart

20. Delhi Metro Rail Corporation’s Managing Director is

a. K. Shridhar

b. E. Sreedharan

c. N. Murugappa

d. Sanjay V. Nair

21. Winner of the 2001 Nobel prize for Economics, Joseph Stiglitz is the author of

a. Globalization and its Discontents

b. The Innovater’s Dilemma

c. Leading Change

d. Good to Great: Why Some Companies Make The Leap … and Others Don’t

22. This electronics player has entered the Indian market and has the punch line imaginative sight & sound. Identify it from the given options.

a. Bose

b. Onkyo

c. Altec Lansing

d. Kobin Mercury

23. Which of the following publication groups owns the relaunched version of Computer Today Smart Inc.?

a. The Hindu

b. Living Media Group

c. Rheja Group of Companies

d. Media Transasia

24. Apurva Purohit is the president of which of the following satellite

channels?

a. Star

b. Zee TV

c. Discovery

d. SET MAX

25. Vikrant Tyres belongs to

a. J. K. Industries

b. Apollo Tyres

c. MRF Tyres

d. RPG Enterprises

26. What is the rank of the State Bank of India in the list of the 100 big Asian banks published by the Asian Banker Journal recently?

a. 14th

b. 20th

c. 26th

d. 32nd

27. The Jumbo Group of Companies is owned by

a. Naina Lal Kidwai

b. Shikha Sharma

c. Vidya Chhabaria

d. Indira Nooyi

28. Which of the following represents the present bank rate?

a. 5%

b. 5.50%

c. 6%

d. 6.25%

29. At present the Cash Reserve Ratio (CRR) is

a. 4%

b. 4.75%

c. 5.50%

d. 5.75%

30. This company was in the news recently for being asked to pay 28 billion dollars in compensation to Betty Bullock who was on the verge of dying because she smoked its cigarettes since the age of 17. The company in question is

a. Rothmans

b. Phillip Morris

c. Benson & Hedges

d. Wills

31. The hallmark sign is given to

a. Cosmetic products

b. Eatables

c. Gold jewellery

d. Dairy products

32. The first Indian refinery to have successfully completed 100 years of its existence recently is

a. Hazira

b. Mathura

c. Digboi

d. Barauni

33. According to the Monetary and Credit Policy 2002-2003 released recently by RBI the GDP growth estimate has been scaled down to

a. 6%-6.5%

b. 6.5%-7.0%

c. 5.0%-5.5%

d. 4.5%-5%

34. The latest UNCTAD report has predicted a ___% drop in world Foreign Direct investment.

a. 15%

b. 21%

c. 26%

d. 29%

35. India launched the family

planning programme in which of the

following years?

a. 1948

b. 1952

c. 1956

d. 1960

36. The European Commission has recently allowed the entry of ___

nations in the year 2004.

a. 6

b. 8

c. 10

d. 11

37. The MacArthur Fellowhip for this year has been won by

a. Daniel Kahnman

b. Vernon L. Smith

c. Sendhil Mullianathan

d. Joseph Stiglitz

38. The Prime Minister of India recently inaugurated the Atal Bihari Vajpayee Centre for Excellence in Information and Communication Technology at which of the following places?

a. Rabat

b. Ulan Bator

c. Kuala Lumpur

d. Singapore

39. Which National Savings Scheme did the Government, with effect November 1, 2002, discontinue?

a. NSS 1990

b. NSS 1992

c. NSS 1994

d. NSS 1996

40. Which of the following personalities is the chairman of Asian paints?

a. M. M. Sharma

b. Nikhil Meswani

c. Ashwin Dani

d. Pradeep Mallick

41. Who has been appointed as the next chairman of the twelfth Finance Commission?

a. Dr. C. Rangarajan

b. Dr. Rakesh Mohan

c. Vijay L. Kelkar

d. N. K. Singh

42. The Standing Conference of Public Enterprises (SCOPE) is now chaired by

a. M. A. Pathan

b. M. S. Ramachandran

c. Subir Raha

d. Y. H. Malegam

43. Which of the following Public Sector Enterprise (PSE) was in the news recently as its disinvestments was deferred till mid-January 2003?

a. SAIL

b. NALCO

c. NTPC

d. VSNL

44. Whisen is the name of a floor standing refrigerator that was launched recently by

a. Hitachi

b. LG

c. Daikin

d. Voltas

45. Kaizen is a Japanese term used in management. This word means

a. Error-free production

b. Restructuring the processes

c. Continuous improvement in work process

d. Weakening the weaknesses by strengthening the strengths

46. Which of the following countries is the largest tea producer in the world?

a. Sri Lanka

b. India

c. Brazil

d. China

47. This Swedish-Swiss conglomerate was in the news recently as there were rumours of it reaching the verge of bankruptcy and people had even started to call it the Enron of Europe. Identify the company from the given options.

a. Siemens

b. Vivendi

c. ABB

d. Daimler Chrysler

48. The present chief executive

officer of Idea Cellular is sunil alagh

a. Anu Aga

b. T.V. Graham

c. Graham Burke

d. Naresh Gupta

49. Just relax is the punch line associated with which of the following garment brands?

a. Peter England

b. Classic Polo

c. Byford

d. Park Avenue

50. According to Business Today’s latest survey, which of the following is India’s most valuable private company, ranked on average market

capitalisation?

a. Wipro

b. Reliance Industries

c. Infosys

d. Hindustan Lever Ltd.

51. The top ranking Public Sector Undertaking, according to the Business Today’s latest survey is

a. Indian Oil Corporation

b. Oil & Natural Gas Corporation

c. State Bank of India

d. National Aluminum Company Ltd.

52. According to Business Today’s latest survey, the top ranking IT company on the basis of average market capitalisation is.

a. Wipro Technologies

b. Infosys Technologies

c. HCL Technologies

d. Polaris Software Lab Ltd.

53. According to the Business Today’s latest survey the top ranking pharmaceutical company is

a. Ranbaxy Laboratories

b. Cipla Healthcare Ltd.

c. Dr. Reddy’s Laboratories

d. GlaxoSmithKline Ltd.

54. According to Business Today’s latest survey, the top ranking automobile company is

a. Bajaj Auto Ltd.

b. TVS Motors Ltd.

c. Hero Honda Motors Ltd.

d. Telco

55. Which of the following personalities has recently been appointed as the chief executive of the Indian Council for Research on International Economic Relations (ICRIER)?

a. Omkar Goswami

b. Arvind Virmani

c. S. P. Gupta

d. Kishwar Ahluwalia

56. For the first time since 1994-95, the country has witnessed a decline in edible oil imports. What is that

decline in terms of percentages?

a. 5%

b. 8%

c. 10%

d. 12%

57. The amount donated by Mr. Bill Gates to India for AIDS Prevention in India on his recent trip to the country is

a. $50 million

b. $100 million

c. $200 million

d. $400 million

58. Who is the vice-president of NASSCOM?

a. Arun Jain

b. Sunil Mehta

c. Jerry Rao

d. N. Chandrasekharan

59. The Central Electricity Regulatory Commission is chaired by

a. A. K. Basu

b. S. D. Tendulker

c. K. L. Verma

d. N. K. Singh

60. Uptron, a leader in the electronics industry, in the pre-liberalisation era was a flagship brand of one of the following state governments:

a. Karnataka

b. Maharashtra

c. Uttar Pradesh

d. Kerala

61. As we associate Bombay House with the Tatas, with what would you associate Reliance Industries?

a. Power Chambers

b. Maker Chambers

c. Green Chambers

d. King Chambers

62. The prestigious National Institute of Design is based in

a. Hyderabad

b. Bangalore

c. Ahmedabad

d. New Delhi

63. The Global Competitiveness Report is published by the

a. IMF

b. World Bank

c. World Economic Forum

d. UNCTAD

64. Which of the following represents India’s position in the growth competitiveness rankings in the recently released Global Competitiveness Report 2002-2003?

a. 57

b. 48

c. 41

d. 33

65. Identify the first domestic two-wheeler company in the world to receive the Deming Award for achieving performance improvement through the application of Total Quality Management, from among the following:

a. Hero Honda Motors Ltd.

b. Bajaj Auto Ltd.

c. Kinetic Engineering Ltd.

d. TVS Motors Ltd.

66. According to the Global Competitive Report 2002-2003, the most competitive economy of the world is that of

a. Singapore

b. S. Korea

c. USA

d. Finland

67. The 50:50 joint venture between ___ and ___ was recently in the news for being called off. Fill in the blanks from the following:

a. Britannia & Danone Food

b. Wadia & Danone Food

c. Parle Agro Group & Wadia Group

d. Parle Agro Group & Britannia

68. An Indian Company has recently won the Deming Prize. What is the total number of Indian companies to receive this honour?

a. 3

b. 4

c. 5

d. 6

69. The TVS Motor Company incorporates one of the following animals in its logo:

a. Cheetah

b. Horse

c. Bull

d. Fox

70. Who Says Elephants Can’t Dance? is a book written by the chief of an IT’ Blue-chip Company. Identify the

author from the given options.

a. Larry J. Ellison

b. Louis Gerstner

c. Steve Ballmer

d. John T. Chambers

71. The country’s first-of-its-kind health insurance scheme for farmers scheduled launched on November 14

this year by Karnataka Government is called

a. Suraksha

b. Yashaswini

c. Sahayini

d. Kalyani

72. Which of the following Indian states was in the news recently as its first Venture Capital Fund was launched recently in the middle of November?

a. Madhya Pradesh

b. Uttar Pradesh

c. Rajasthan

d. Madhya Pradesh

73. Which two banks were in the news recently having signed an agreement to share their Automated Teller Machines (ATM’s)?

a. UTI & BNP

b. Corporation Bank & Oriental Bank of Commerce

c. HDFC Bank & ICICI Bank

d. Corporation Bank & UTI Bank

74. He is set to head the Security and Exchange Board of India’s (SEBI’s) Committee on corporate governance. He was also in the news recently. Identify the personality from among the following:

a. N. R. Narayanamurthy

b. A. H. Premji

c. S. Ramadorai

d. Arun Kumar

75. One of the following is the chairman and managing director of the movie production company

Mukta Arts:

a. Shahrukh Khan

b. Subhash Ghai

c. Yash Chopra

d. Jitendra

76. World Money Card is the name of a pre-paid dollar card launched

by which of the following banks?

a. HSBC

b. Standard Chartered

c. Citibank

d. HDFC Bank

77. HCL has recently begged the British Telecom’s ITES related deal. Which of the following represents the worth of that deal?

a. $25 million

b. $50 million

c. $75 million

d. $100 million

78. You would associate Neville House with which of the following business groups in India?

a. Goenka

b. Wadia

c. Bajaj

d. Ambani

79. Which of the following represents the US based Indian/Indians who has/have been chosen in the list of 40 technology pioneers announced by the World Economic Forum recently?

a. Dev Gupta

b. Amish Mehta

c. Sanjay Parekh

d. All of them

80. The largest economy of the European Union is

a. Italy

b. France

c. Germany

d. U.K.

81. Which is the largest carbonated soft drink market in the world?

a. USA

b. Mexico

c. Brazil

d. France

82. Who is the chairman and chief

executive officer of Star Group — one of the world’s largest media

companies?

a. Rupert Murdoch

b. John Murdoch

c. James Murdoch

d. Robin Murdoch

83. Stars ki pasand is a tagline that you would associate with

a. Vimal Suitings

b. Mayur Suitings

c. Raymond Suitings

d. S.Kumars Suitings

84. With you, all the time claims one of the following mutual funds. Identify it from the given options.

a. SBI mutual fund

b. LIC mutual fund

c. UTI mutual fund

d. Standard Chartered mutual

fund

85. The total outlay for the Tenth Plan period (2002-2007) is ___.

a. 1015843 crore

b. 1294549 crore

c. 1592300 crore

d. 1948512 crore

86. According to the Credit and Monetary Policy released by the RBI recently, the inflation rate will

remain at

a. 3%

b. 3.5%

c. 4%

d. 4.5%

87. Vindhya is the name of the first rural agri-brand launched recently by which of the following state

governments?

a. Uttar Pradesh

b. Gujarat

c. Madhya Pradesh

d. Maharashtra

88. Which of the following represents the recent hike in Dearness Allowance (DA) that was also

approved by the Union cabinet?

a. 1%

b. 2%

c. 3%

d. 4%

89. Which of the following countries is the biggest producer of opium?

a. Syria

b. Afghanistan

c. Brazil

d. Portugal

90. Frank Morich, who was in the news recently as he is to be replaced by Rolf Classon, was the healthcare division chief of one of the following pharmaceutical giants:

a. Glaxo

b. Bayer

c. Pfizer

d. Novartis

91. India’s first paid news portal was in the news recently as it was about to shut down. Identify the portal from the given options.

a. indiatoday.com

b. newstoday.com

c. newspropertoday.com

d. indiainfoline.com

92. Recently RBI gave its nod to raise FII limit in Hindustan Lever Ltd. (HLL) to 49% from its present

limit of

a. 15%

b. 24%

c. 33%

d. 40%

93. Which of the following personalities is NOT a deputy governor of the Reserve Bank of India?

a. Vepa Kamesam

b. G. P. Muniappan

c. Rakesh Mohan

d. Y. V. Reddy

94. The latest annual meeting of the Asian Pacific Economic Co-operation (APEC) took place at the end of October 2002. Name its venue.

a. Mexico

b. Austria

c. Germany

d. Japan

95. Making Global Telecom Affordable in the punch line you would associate with

a. Satyam Infoway

b. Caltiger

c. NOW

d. Dishnet

96. First Break All the Rules is the

bestseller written by

a. Peter A. Topping

b. Macus Buckingham & Curt Coffman

c. Daryl Travis

d. Dr. Brian Weiss

97. Intelligent Investor is the name of a financial news magazine which was from the Rahejas-promoted Outlook stable. This magazine is

being rebranded as

a. Outlook Investor

b. Outlook Money

c. Outlook Investment

d. Smart Investment.

98. Buildurpc is the name of the latest pc model launched by ___.

a. Dell Computers

b. Microtek

c. Satyam Computers

d. Samsung

99. This Indian state was in the news recently as it has decided to open up its irrigation sector to private players due to an unprecedented financial crisis. Identify the state.

a. Maharashtra

b. Uttar Pradesh

c. Madhya Pradesh

d. Orissa

100. A newspaper is only as interesting as its readers is an ad line associated with which of the following newspapers?

a. The Economic Times

b. The Times of India

c. The Hindu

d. Hindustan Times

current AFFAIRS

1. Which celebrity has been named the sexist man alive in 2002 by People magazine?

a. Ben Affleck

b. Pierce Brosnan

c. Brad Pitt

d. Van Kinmer

2. Which member of the British royal family was convicted by the British jury and fined £500 for violating the Dangerous Dogs Act. The person is now the only member of British royalty to be convicted in modern times.

a. Prince Andrews

b. Prince Philips

c. Princess Anne

d. Prince Edward

3. How many countries of the ex-communist block joined NATO in late November this year?

a. Four

b. Five

c. Six

d. Seven

4. Haren Pandya — who fell out with Narendra Modi and who withdrew from the race for assembly elections - was, prior to his resignation, the

a. State industries minister

b. State home minister

c. State education minister

d. State rural affairs minister

5. In which city did the Dalai Lama recently inaugurate the world’s

highest Stupa?

a. Sarnath

b. Sanchi

c. Gaya

d. Dehra Dun

6 The Delhi Climate Declaration, adopted by 170 countries, is a ------ agenda.

a. 10-point

b. 14-point

c. 12-point

d. 13-point

7. Name the scientist who has won the prestigious Homi Bhabha Lifetime Achievement Award of the Indian Nuclear Society.

a. M.R. Srinivasan, former chairman, Atomic Energy Commission

b. S.C. Hiremath, chairman, Heavy Water Board

c. Dr C. Ganguly, chairman, Nuclear Fuel Complex

d. R.K. Sinha, associate director, BARC

8. Indian scientists have patented the medicinal properties of a certain fruit — used by Indians traditionally to lower sugar levels. Name the fruit.

a. Guava

b. Mango

c. Indian blackberry

d. Grapes

9. Which team won the Irani Trophy with a five-wicket victory in November this year?

a. Indian Airlines

b. Railways

c. Air India

d. State Bank of India

10. In the recent rankings released by the International Cricket Council, India secured 106 points and was ranked ------.

a. Third

b. Fourth

c. Fifth

d. Sixth

11. Who has been sworn in as the deputy chief minister of J&K?

a. Ghulam Nabi Azad

b. Mangat Ram Sharma

c. Muzzafar H. Beig

d. Ghulam Hassan Mir

12. Name the actor-turned-politician from Mandya, Karnataka, who resigned as Lok Sabha MP over the Cauvery issue.

a. Ambareesh

b. Jaya Prada

c. Venkatesh

d. None of these

13. Name the actor who was awarded the Kishore Kumar Award of the Madhya Pradesh Government for the year 2002-03 for excellence in acting and significant contribution to the film industry.

a. Amitabh Bachchan

b. Aamir Khan

c. Shahrukh Khan

d. Salman khan

14. Name the Indian-born author who has won the Kiriyama Prize, an award that is conferred for promoting an understanding of the Pacific Rim.

a. Shashi Tharoor

b. Rohinton Mistry

c. Salman Rushdie

d. Pankaj Mishra

14. Which slain person are the Hinduja brothers pointing fingers at for being an agent in the

Bofors deals?

a. Rajiv Gandhi

b. Olof Palme

c. Gen. K. Sundarji

d. None of these

16. Max Mirnyi, Mahesh Bhupathi’s doubles partner in the ATP Tennis Masters’ Series Final — a match that the duo lost — hails from

a. Poland

b. Romania

c. Belarus

d. Ukraine

17. The Sethusamundram Project aims to connect

a. India with Sri Lanka

b. Mainland India with Lakshadweep

c. The islands of Andaman and Nicobar

d. Mumbai with Karachi

18. Name the author who has won the Booker Prize this year for Life of Pi.

a. Yann Martel

b. Tom Robbins

c. Rohinton Mistry

d. None of these

19. Name the public figure selected for this year’s Sat Paul Mittal Award for outstanding services to humanity.

a. Amod Kanth

b. Kiran Bedi

c. Medha Patekar

d. Sunil Dutt

20. In which country did a newspaper comment that Prophet Mohammed would have liked to marry a Miss World Beauty Queen spark off riots, resulting in the death of 100 people?

a. Uganda

b. Nicaragua

c. Nigeria

d. Namibia

21. Which newspaper has been barred from advertising itself

as Delhi’s No 1?

a. Hindustan Times

b. The Times of India

c. The Indian Express

d. The Asian Age

22. C.S. Nayudu — brother of

legendary cricketer C.K. Nayudu — who died on November 23 was a cricket player of the erstwhile

a. Holkar Team

b. Gaekwad Team

c. Nizam’s Team

d. None of these

23. Name the cricketer who will

auction his cricket bats to help two cancer patients.

a. Sunil Gavaskar

b. Ravi Shastri

c. Saurav Ganguly

d. Sachin Tendulkar

24. Which pop star invited the ire of German authorities recently for

dangling his/her baby from the

fourth floor of a hotel in front of

hundreds of fans?

a. Madonna

b. Michael Jackson

c. Eric Clapton

d. None of these

25. Motir Moina (The Clay Bird), the once-banned film nominated for the Oscar is a film from

a. India

b. Bangladesh

c. Myanmar

d. Sri Lanka

26. Who has won the Demiurgus International Peace Prize awarded by the World Council of Foreign Ministers in Switzerland?

a. Jayaram Ramesh

b. Rudy Guiliani

c. Atal Behari Vajpayee

d. Maulana Wahiduddin Khan

27. Name the actor who plays Mangal Pandey in Ketan Mehta’s 1857-The Uprising.

a. Sunny Deol

b. Bobby Deol

c. Salman Khan

d. Aamir Khan

28. Name this year’s winner of the Grasim Mr International competition.

a. Anand Saluja

b. Rajat Raina

c. Jimmy Shergill

d. Raghu Mukherjee

29. In the terrorist attack on Jammu temples, which was the temple other than the Raghunath Temple that

was attacked?

a. Shivanand Temple

b. Rupiyowala Temple

c. Adinath Temple

d. None of these

30. From which constituency will Narendra Modi contest the assembly elections in Gujarat?

a. Ellisbridge

b. Viramgam

c. Maninagar

d. Bhiloda

31. Which country has banned the Barbie Doll?

a. Indonesia

b. Bangladesh

c. Egypt

d. Russia

32. Name the educational institution of the Capital that saw student protests following a daytime rape

a. Lady Hardinge Medical College

b. St Stephen’s College

c. Dayal Singh College

d. Maulana Azad Medical

College

33. In which district did Priyanka Gandhi take up the cause of Dalits, by calling for Shramdan?

a. Meerut

b. Amethi

c. Etawa

d. Kanpur

34. Name the artist who has been awarded the Kalashikhar Award for life-time achievement at the Aditya Vikram Birla Awards 2002 Ceremony in Mumbai.

a. Sankho Chaudhary

b. Jatin Das

c. Arzan Khambatta

d. None of these

35. Padma Shree Laloo Prasad Yadav is a movie being made by Mahesh Manjarekar, the director of

a. Lagaan

b. Tum Bin

c. Vaastav

d. None of these

36. Name the member of the British Royal family now facing criticism for allegedly calling Princess Diana a trollop and a harlot.

a. Queen Elizabeth II

b. Prince Charles

c. Phillips, Duke of Edinburgh

d. Prince Edward

37. In which city was the One-Day International between India and West Indies abandoned because of crowd disturbances in November?

a. Hyderabad

b. Vijaywada

c. Rajkot

d. Ahmedabad

38. Shweta Jaishankar, whom tennis star Mahesh Bhupathi married on November 24, is a

a. cricket player

b. theatre actress

c. student of management

d. model

39. Who has floated the new Justice Party?

a. Sharad Yadav

b. Sharad Pawar

c. Ram Vilas Paswan

d. Udit Raj

40. Which Indian film has bagged the best film award in the New Currents section at the Seventh Pusan International Film Festival?

a. Tiladaanam

b. Devdas

c. Mitr

d. Leela

41. Name the country that is going to the polls to elect its sixth president in six years.

a. Nicaragua

b. Bali

c. Ecuador

d. Fiji

42. Which city will now hold the Miss World Beauty pageant after the

original venue of Abuja city

was witness to riots?

a. Berlin

b. Bonn

c. Vienna

d. London

43. Name the leader who has

equated Pakistan and Saudi Arabia with Iraq.

a. Yasser Arafat

b. Atal Behari Vajpayee

c. Vladimir Putin

d. None of these

44. Eight obese children have sued a certain fast-food outlet for not issuing warnings of health risk. Name the fast-food outlet?

a. McDonalds

b. Nirulas

c. Pizza Hut

d. Wimpys

45. What cause did Bill Gates take up on his recent visit to India?

a. Education

b. Poverty eradication

c. Minority rights

d. AIDS awareness

46. Name the personality who has joined the Austrian election campaign, backing conservative chancellor Wolfgang Schuessel.

a. Madonna

b. Arnold Schwarzenegger

c. Halle Berry

d. Boris Becker

47. Name the longest serving senator in the US who retires on January 3 at the age of 100.

a. Strom Thurmond

b. Ernest Hollings

c. Jamie Morrings

d. Ted Gilbert

48. Which country has banned

knitting in the Parliament House after a minister was caught knitting during a debate?

a. India

b. Britain

c. Thailand

d. New Zealand

49. On November 25, in London, which theatre production completed 50 years of non-stop staging?

a. King Lear

b. The Mousetrap

c. Ten Little Niggers

d. Arms and the Man

50. Overlooking Lake Geneva in Switzerland, the residence of an

actor is being opened to the public as a museum. Whose house was it?

a. Clark Gable

b. Vivian Leigh

c. Charlie Chaplin

d. None of these

general knowledge

1. Which is the smallest planet of

our solar system?

a. Mercury

b. Venus

c. Pluto

d. Neptune

2. Granite, Basalt and Volcanic are the various types of ____ rocks.

a. Sedimentary

b. Metamorphic

c. Igneous

d. None of these

3. Rome is situated on the banks of the river

a. Seine

b. Danube

c. Tiber

d. Tyne

4. Identify the correct match.

Important Line Demarcating

a. Durand Line India &

Pakistan

b. McMahon Line India &

Afghanistan

c. Radcliffe Line India & Sri

Lanka

d. Siegfried Line Germany &

France

5. The Diego Garcia island is situated in the

a. Atlantic Ocean

b. Arctic Ocean

c. Indian Ocean

d. Pacific Ocean

6. The Russian Revolution took

place in

a. 1789

b. 1847

c. 1903

d. 1917

7. Member countries observe Commonwealth Day on

a. June, 5

b. May, 24

c. August, 7

d. October, 21

8. The Republic is a famous work by

a. Aristotle

b. Plato

c. Karl Marx

d. Otto Von Bismarck

9. Little Slam is a term associated with one of the following sport

disciplines:

a. Billiards

b. Bridge

c. Polo

d. Lawn Tennis

10. The study that deals with the process of fermentation is

a. Phenology

b. Zymology

c. Etymology

d. Phychology

11. The S.I. unit of temperature is

a. Celsius

b. Fahrenheit

c. Centigrade

d. Kelvin

12. When a ball bounces upon falling, which of the following principles is in action?

a. Newton’s Third Law of Motion

b. Newton’s Second Law of Motion

c. Newton’s First Law Of Motion

d. Hook’s Law

13. When ice melts in a container of water what happens to the level of water in the container?

a. It decreases

b. It increases

c. It first decreases then increases

d. It remains unaffected

14. Sodium metal is prepared by the electrolysis of sodium chloride by

using

a. Bosch’s Process

b. Frasch’s Process

c. Down’s process

d. Bayer’s process

15. How many bones are there in the skeletal system of an adult?

a. 109

b. 137

c. 188

d. 206

16. Which Veda consists of 1,028 hymns?

a. Atharva Veda

b. Sama Veda

c. Rig Veda

d. Yajur Veda

17. The first Battle of Panipat was fought between

a. Ibrahim Lodhi and Akbar

b. Akbar and Hemu

c. Ibrahim Lodhi and Babur

d. Akbar and Mohammad Ghori

18. Gandhiji’s famous Quit India call was given to the British Empire in

a. 1939

b. 1941

c. 1942

d. 1945

19. How many judges are there in the Supreme Court of India besides the Chief Justice of India?

a. 20

b. 22

c. 25

d. 28

20. Which of the following Amendments made Sikkim part of the Indian Union?

a. 23rd Amendment, 1969

b. 28th Amendment, 1971

c. 36th Amendment, 1975

d. 42nd Amendment, 1976

21. The literary meaning of this writ issued by the court is to ‘command’. Which writ are we concerned with here?

a. Habeas Corpus

b. Mandamus

c. Certiorari

d. Quo Warranto

22. Ottum Thullal is a solo dance from one of the following states

of India:

a. Andhra Pradesh

b. Tamil Nadu

c. Kerala

d. Karnataka

23. The Ukai project is based on one of the following rivers:

a. Mahi

b. Krishna

c. Godavari

d. Tapti

24. The Sariska sanctuary is located in

a. Gujarat

b. Madhya Pradesh

c. Uttar Pradesh

d. Rajasthan

25. Indian Railways makes use of one of the following types of rail tracks:

a. Narrow Gauge

b. Broad Guage

c. Meter Guage

d. All of them

26. Young India is the newspaper first published and edited by

a. Mahatma Gandhi

b. Lala Lajpat Rai

c. Bal Gangadhar Tilak

d. Gopal Krishna Gokhale

27. The Central Road Research Institute (CRRI) is located at

a. Roorkee

b. Bangalore

c. New Delhi

d. Lucknow

28. Which of the following is the first month of our national calendar?

a. Vaishakh

b. Phalguna

c. Chaitra

d. Pausa

29. The Sepoy Mutiny or the Great Revolt of 1857 took place during the governor-generalship of

a. Lord Ripon

b. Lord Curzon

c. Lord Canning

d. Lord Minto

30. Unhappy India is written by

a. Maulana Abdul Kalam Azad

b. Dr. Rajendra Prasad

c. Lala Lajpat Rai

d. Sardar Vallabh Bhai Patel

31. The capital of Chhattisgarh is

a. Raipur

b. Durg

c. Jabalpur

d. Indore

32. Which of the following is also known as the Venice of the East?

a. Manila

b. Tokyo

c. Bangkok

d. Singapore

33. Which of the following is the

highest capital city of the world?

a. Lhasa

b. La Paz

c. Thimphu

d. Beijing

34. World Human Rights Day is

observed on

a. November 21

b. December 1

c. December 4

d. December 10

35. Which of the following represents the permanent members of the Security Council of the U.N.?

a. 3

b. 5

c. 7

d. 10

36. Gambit is a term you would associate with one of the following sports disciplines?

a. Hockey

b. Badminton

c. Chess

d. Lawn Tennis

37. You would associate Dr. Ian Wilmut with the

a. discovery of the DNA structure

b. first kidney transplant

c. creation of the world’s first cloned

sheep

d. discovery of genes

38. The secretariat of SAARC is based in

a. Dhaka

b. New Delhi

c. Kuala Lumpur

d. Kathmandu

39. If the weight of a man is 120 kg on earth, how much will he weigh on the moon?

a. 10 kg

b. 20 kg

c. 40 kg

d. 60 kg

40. Europa is a satellite of one of the following planets:

a. Saturn

b. Earth

c. Venus

d. Jupiter

41. A money bill can originate

a. only in the Rajya Sabha

b. at the joint sitting of the Lok Sabha

and Rajya Sabha

c. only in the Lok Sabha

d. None of these

42. Directive Principles of state policy have been taken from the Constitution of one of the following countries:

a. U.K.

b. U.S.A.

c. France

d. Ireland

43. Which of the following is also known as the ‘coffee port of the world’?

a. Rio de Janeiro

b. Sao Paulo

c. Colombo

d. Brasilia

44. According to the latest Census 2001, which state has the highest

population growth?

a. Sikkim

b. Arunachal Pradesh

c. Nagaland

d. Manipur

45. The University Grants Commission was set up in

a. 1952

b. 1959

c. 1956

d. 1958

46. The Noble prize for one of the following fields was introduced in 1969:

a. Medicine

b. Physics

c. Chemistry

d. Economics

47. The World Trade Organization came into existence on

a. April 1, 1948

b. May 1, 1975

c. August 1, 1988

d. January 1, 1995

48. Amartya Sen won the Noble prize for Economics in

a. 1995

b. 1998

c. 1999

d. 2000

49. Flemish is a term used for the

inhabitants of

a. Hungary

b. Poland

c. Belgium

d. Austria

50. Who is the founder of the Slave Dynasty of India?

a. Iltutmish

b. Ibn-batuta

c. Qutub-ud-din Aibak

d. Mohammed Bin Qasim

BUSINESS AFFAIRS

1.c 2.d 3.a 4.c 5.c 6.c 7.c 8.c 9.b 10.c 11.c 12.d 13.d 14.d 15.b 16.b 17.b 18.d 19.c 20.b 21.a 22.b 23.b 24.b 25.a 26.c 27.c 28.a 29.b 30.b 31.c 32.c 33.c 34.c 35.b 36.c 37.c 38.b 39.b 40.c 41.a 42.c 43.b 44.b 45.c 46.b 47.c 48.c 49.b 50.d 51.b 52.b 53.a 54.c 55.b 56.b 57.b 58.b 59.a 60.c 61.b 62.c 63.c 64.b 65.d 66.c 67.b 68.a 69.b 70.b 71.b 72.c 73.b 74.a 75.b 76.c 77.c 78.b 79.d 80.c 81.a 82.c 83.b 84.b 85.c 86.c 87.c 88.c 89.b 90.b 91.c 92.b 93.d 94.a 95.c 96.b 97.b 98.d 99.a 100.b

CURRENT AFFAIRS

1.a 2.c 3.d 4.b 5.d 6.d 7.a 8.c 9.b 10.c 11.b 12.a 13.a 14.b 15.b 16.c 17.a 18.a 19.d 20.c 21.b 22.a 23.c 24.b 25.b 26.d 27.d 28.d 29.b 30.c 31.d 32.d 33.b 34.a 35.c 36.c 37.c 38.d 39.d 40.a 41.c 42.d 43.c 44.a 45.d 46.b 47.a 48.d 49.b 50.c

GENERAL KNOWLEDGE

1.c 2.c 3.c 4.d 5.c 6.d 7.b 8.b 9.b 10.b 11.d 12.a 13.d 14.c 15.d 16.c 17.c 18.c 19.c 20.c 21.b 22.c 23.d 24.d 25.d 26.b 27.c 28.c 29.c 30.c 31.a 32.c 33.b 34.d 35.b 36.c 37.c 38.d 39.b 40.d 41.c 42.d 43.b 44.c 45.c 46.d 47.d 48.b 49.c 50.c