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12 February 2019

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03-02-2019 SECRETARY CO-OPERATIVE SOCIETIES/BANKS


SECRETARY CO-OPERATIVE SOCIETIES/BANKS
EXAM DATE:03-02-2019
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I.Choose the correct form of verb given in brackets for the following:

1.He(come) to the gate,if you call him mildly.
A.Comes
B.Will come
C.Has come
D.Had come
Ans:B

2.If she(be)sincere,she will definitely help you.
A.Can be
B.Is to be
C.Is
D.None of these
Ans:C

3.I would have reached in time,If my ear(not break)down.
A.Did not break down
B.Was not broken down
C.Had not broken down
D.Is not broken down
Ans:C

4.I should have finished the work,If I(get)half an hour more.
A.Got
B.Had got
C.Would get
D.Was to get
Ans:B

5.He speaks as if he(be) the spokesman.
A.Is
B.Was
C.Will be
D.Were
Ans:D

II.Choose the correct preposition from the following.


6.He was standing----------the gate.
A.In
B.At
C.By
D.None of these
Ans:B

7.Dr.Ram works ---------the central hospital.
A.At
B.In
C.On
D.None of these
Ans:A

III.Pick out synonym from the following.

8.Quench
A.Satisfy
B.Unhappy
C.Clear
D.Mislead
Ans:A

9.Duplicate
A.Replica
B.Part
C.Single
D.Share
Ans:A

10.Reprimand
A.Complement
B.Praise
C.Scold
D.Compliment
Ans:C

IV.Pick out correct antonym from the following.

11.Celibacy
A.Bachelorhood
B.Wedlock
C.Idle
D.Inertia
Ans:B

12.Repudiate
A.Reject
B.Affirm
C.Deny
D.Mistake
Ans:B

V.Choose one word from the following:

13.A Government system in which one person has complete control?
A.Autocracy
B.Domocracy
C.Autonomy
D.Autism
Ans:A

14.One who does not believe in God?
A.Theist
B.Atheist
C.God man
D.God woman
Ans:B

VI.Choose the correct meaning from the following.

15.Bonafide
A.Cheat
B.Hide
C.Good faith
D.Meaningless
Ans:C

16.Ad infinitum
A.Restricted
B.Without limit
C.Short
D.Long
Ans:B

17.To burn the midnight oil
A.Go without working
B.Friendship
C.To sleep early
D.None of these
Ans:B

18.Bonhomie
A.Litigation
B.Friendship
C.Injustice
D.Fight
Ans:B

VII.Pick out sounds of animals/birds from the following

19.Tigers
A.Chirp
B.Growl
C.Scream
D.Cry
Ans:B

20.Owls
A.Screech
B.Chatter
C.Whistle
D.Bleat
Ans:A


21.Auditing is -------of accounting to find out the correctness of the transactions related to it
A.Verification
B.Examination
C.Study
D.Investigation
Ans:A

22.Accountancy begins where ends
A.Auditing
B.Transaction
C.Bookkeeping
D.Scrutiny
Ans:C

23.Internal Auditing is the independent------within an organization
A.Review
B.Appraisal
C.Checking
D.None of these
Ans:C

24.There should be no entry in the books ol accounts without a----------
A.Document
B.Transaction
C.Voucher
D.Correspondence
Ans:C

25.A written evidence in original is said to be
A.Primary voucher
B.Secondary voucher
C.Collateral voucher
D.None of these
Ans:A

26.The difference in figures is and causes for their existence are brought to light
A.Reconciled
B.Over written
C.Suppressed
D.Corrected
Ans:A

27.-----------kept by the auditor come to rescue at a time when a suit is filed against him for negligence.
A.Audit report
B.Working papers
C.Information collected
D.Final accounts
Ans:B

28.The unclaimed dividend will be shown as
A.Asset
B.Loss
C.Liability
D.Profit
Ans:C

29.Internal Control means
A.Checking the accuracy and reliability of the accounting data
B.Promoting operational efficiency
C.None of these
D.All of these
Ans:B

30.Under which category the expenses for the removal of the institution to more convenient place be included?
A.Capital Expenditure
B.Revenue Expenditure
C.Deferred Revenue Expenditure
D.None of these
Ans:A

31.The Authorised Share Capital of a Primary Credit Co-operative Bank is 60 Lakhs and,its paid up share capital is 45 lakhs.What is the amount to be paid as affiliation fee to the State Co-operative Union?
A.2,000
B.1,900
C.1,800
D.1,200
Ans:A

32.Working capital of a Primary Vanitha Co-operative Society Rs.9,500/-.What is the amount to be paid as audit fees?
A.10,00,000
B.47.50
C.95
D.None of these
Ans:D

33.An audit made compulsory by-law is a------------audit.
A.Internal Audit
B.Statutory Audit
C.Interim Audit
D.None of these
Ans:B

34.Audit Cost is related to ----------audit.
A.Final audit
B.Internal audit
C.Concurrent audit
D.None of these
Ans:C

35.From the following which error does not affect the agreement of Trial Balance?
A.Error of Partial Omission
B.Error of Principle
C.Error of Commission
D.None of these
Ans:B

36.The net profit of a Service Co-operative Bank Rs.20,00,000.What is the amount to be paid as education fund?
A.1,00,000/-
B.2,00,000/-
C.60,000/-
D.40,000/-
Ans:C

37.The main object of audit is to
A.Certify the correctness of financial statements
B.To detect errors and fraud
C.To prevent errors and fraud
D.All of these
Ans:A

38.Which among the following is not a technical error?
A.Error of commission
B.Error of principle
C.Error of partial omission
D.Compensating errors
Ans:B

39.Goods purchased from Jagan for Rs.5,000 is credited to sales account Rs.5,000.It is an error of
A.Compensating error
B.Error of principle
C.Error of commission
D.None of these
Ans:C

40.One of the basic principle of auditor,he must be----------
A.An honest person
B.Sincere in his work
C.An independent outsider
D.None of these
Ans:C

41.Banks are called-------because they invest or lend funds of depositers who themselves are unable to lend their funds due to risk.
A.Financial institutions
B.Financial intermediaries
C.Financial agents
D.Facilitators
Ans:B

42.What portion of demand and time liabilities of a Co-operative bank can be lend by way of loans and advances?
A.After meeting cash reserve ratio
B.After meeting statutory liquidity ratio
C.After meeting CRR and SLR
D.After meeting CRAR and SLR
Ans:C

43.Sheduled Co-operative banks should have paid up share capital and reserves of not less than Rs.
A.Rs.5 lakhs
B.Rs.50 lakhs
C.Rs.5 crores
D.Rs.50 crores
Ans:A

44.In most of the States the long term Co-operative credit structure is a ---------pattern.
A.Unitary
B.Mixed
C.Three-tier
D.Two-tier
Ans:D

45.The Reserve Bank of India was set up in
A.1949
B.1952
C.1935
D.1982
Ans:C

46.-----------Constitute the largest portion of Co-operative banks liabilities
A.Paid up share capital
B.Own funds
C.Borrowings
D.Deposits
Ans:D

47.Who was the Chairman of the Task force appointed by the Government of Kerala for the setting up of the Kerala Co-operative Bank?
A.Mr.Ravindranath
B.Mr.Sreeram
C.Mr.Mohanan
D.Mr.Prakash Bhakshi
Ans:A

48.Capital to Risk Weighted Assets Ratio System was introduced in Co-operative Banks in order to
A.Cleanse balance sheet
B.Wipe of loss
C.Increase governments share holdings
D.Strengthen capital base
Ans:D

49.The credit card in the nature of clean overdraft for multipurpose use including consumption is
A.KCC
B.GCC
C.Overdraft
D.Cash credit
Ans:A

50.Offering additional services to existing customers is called
A.Retail banking
B.Retail credit
C.Retail deposit
D.Cross selling
Ans:D

51.The share capital of Deposit insurance and credit guarantee corporation was fully subscribed by
A.Commercial Banks
B.Scheduled Banks
C.RBI
D.Central Bank
Ans:C

52.Central Bank of United States is known as
A.Bank of England
B.Bank of U.S.
C.Federal Reserve System
D.Reserve Bank of US
Ans:C

53.--------------is the rate at which RBI rediscounts eligible bills of commercial banks.
A.Repo rate
B.Reverse repo rate
C.Lending rate
D.Bank rate
Ans:D

54.An inoperative account after--------------become unclaimed.
A.Two years
B.Three years
C.Seven years
D.Ten years
Ans:D

55.The term ‘run on the bank’ denotes
A.Increasing volume of deposit
B.Increasing demand for loans
C.Increasing volume of withdrawals
D.None of these
Ans:C

56.According to Section -------------of the Indian Contract Act Authorizes banks to exercise a genaral lien on property offered as security.
A.170
B.171
C.172
D.173
Ans:B

57.The transfer of interest in an immovable property by a person to a banking institution for securing a loan called
A.Mortgage
B.Hypothecation
C.Pledge
D.Lien
Ans:A

58.No banker shall open an account in the name of
A.Minor
B.Married women
C.Drunkard
D.Insolvent
Ans:D

59.----------is an indirect payment system.
A.Interactive kiosk
B.MICR clearing
C.ECS clearing
D.All of the above
Ans:D

60.------------provides power supply continuosly in a core banking system.
A.DC
B.AC
C.DG Set
D.Power backup
Ans:C

61.Contingent liabilities are shown as a foot note in the Balance sheet as per ----------Accounting principles.
A.Entity
B.Going concern
C.Materiality
D.Full disclosure
Ans:D

62.According to--------concept it is assumed that the business will last for a long time
A.Matching
B.Going concern
C.Cost
D.Entity
Ans:B

63.Which one of the following is different from others?
A.To ascertain arithmetical accuracy of ledger accounts
B.To help in locating errors
C.To find out solvency position of the business
D.To help in the preparation of final accounts
Ans:C

64.Find out the one sided error.
A.Machinery sold is treated as sales
B.Furniture purchased is treated as purchases
C.Withdrawal by proprietor treated as expense
D.Cash received from Ajayan debited to his account
Ans:D

65.The value of an asset after reducing depreciation is called
A.Book value
B.Market value
C.Cost price
D.Original value
Ans:A

66.Existing Provision is generally given in
A.Balance sheet
B.Trial balance
C.R&D Statement
D.None of the above
Ans:B

67.Interest on capital is credited to-------account.
A.P & L
B.Trading
C.Drawings
D.Capital
Ans:D

68.Bad debts written off earlier and subsequently received is debited to------account.
A.Bad debts
B.Debtors
C.Bad debts recovered
D.Cash
Ans:D

69.Depreciation charged in the initial years will be more in the case of -----method
A.Original cost
B.Fixed instalment
C.Milage
D.Reducing instalment
Ans:D

70.Profit on sale of fixed Assets is a----------profit.
A.Capital
B.Revenue
C.Divisible
D.None of the above
Ans:A

71.Cost of goods sold is Rs.60,000 the rate of gross profit on sales is 25% then sales will be
A.25,000
B.80,000
C.15,000
D.75,000
Ans:B

72.Which among the following is not an example of subsidiary book?
A.Cash book
B.Pass book
C.Purchase book
D.Sales book
Ans:B

73.The standard prescribed for ideal quick ratio is
A.1:1
B.1:2
C.2:1
D.2:3
Ans:A

74.To ascertain total sales,the account prepared is
A.Sales book
B.Sales account
C.Sales book and sales return book
D.Sales ledger
Ans:B

75.The suspense account is used to rectify
A.One sided errors
B.Errors which do not effect the trial balance
C.Errors of principles
D.None of the above
Ans:A

76.Goods withdrawn by the owner for his private use should be credited to
A.Drawings account
B.Sales account
C.Purchases account
D.Capital account
Ans:C

77.Wages of workman employed for setting up of new machinery should be debited to---------account.
A.Wages
B.Cash
C.Machinery
D.Salary
Ans:C

78.Sale of an old asset at a price greater than the written down value would
A.Owners equity unaffected
B.Increase the owners equity to the extend of profit
C.Increase owners equity to the extend of profit
D.Decrease owners equity to the extend of profit
Ans:C

79.Payment of monthly rent to landlord is
A.Economic event
B.Non-economic event
C.Economic and non-economic event
D.None of the above
Ans:A

80.What is prepared under single entry system of accounting?.
A.Cash flow statement
B.Statement of affairs
C.Fund flow statement
D.R&D statement
Ans:B

81.The official who takes decision in disputes of Co-operative societies?
A.Liquidator
B.Valuation Officer
C.Enquiry Officer
D.Arbitrator
Ans:D

82.Affiliation fee to the state Co-operative union is calculated on
A.Gross Profit
B.Net Profit
C.Share Capital
D.Reserve Fund
Ans:C

83.Assciate member means
A.Minor
B.Ex-officio
C.Govt.nominee
D.Nominal member
Ans:D


84.In Kerala Co-operative Societies Act,the maximum dividend is fixed as
A.10%
B.15%
C.20%
D.25%
Ans:D

85.-----------control is the principle of Co-operatives
A.Centralized
B.Democratic
C.Official
D.Political
Ans:B

86.The ------------is the written record of the proceedings of the meeting
A.Agenda
B.Day Book
C.General Ledger
D.Minutes
Ans:D

87.The Chief Executive of a Co-operative Society is
A.Registrar
B.President
C.Secretary
D.Chief Accountant
Ans:C

88.The President and Office bearers of the society are to be elected within-----from the date of election
A.7 days
B.14 days
C.15 days
D.30 days
Ans:A

89.Which of the following type of Co-operative Societies are exempted from the payment of Audit fees?
A.Credit Societies
B.Transport societies
C.SC/ST Societies
D.Housing Societies
Ans:C

90.Minimum period required to exchange or withdraw,share from a Co-operative Society
A.3 years
B.1 year
C.5 years
D.2 years
Ans:A

91.The majority required to pass a Bye-law amendment of a Co-operative Society
A.1/3
B.2/3
C.3/4
D.50%
Ans:B

92.Resolution to conduct election to a Co-operative Society,should be taken at least---------days prior to the expiry of existing committee
A.30
B.50
C.45
D.60
Ans:D

93.Appointment of Vigilance Officer,is as per section
A.67
B.68(1)
C.68 A
D.69
Ans:C

94.Rule empowers to the Registrar to rescind Resolution taken by a Co-operative Society
A.176
B.177
C.178
D.179
Ans:A

95.How many Sections are there in Kerala Co-operative Societies Act of 1969?
A.125
B.150
C.115
D.110
Ans:D

96.Provisions of the Act 4,5,6,7,8,15 and 74 deals with
A.Registration
B.Liquidation
C.General Body
D.Amalgamation
Ans:A

97.Reserve Fund is used for meeting
A.Share redemption
B.Existing losses
C.Unforeseen losses
D.Expenses for land and property
Ans:C

98.The Jurisdiction of a circle Co-operative union is
A.One District
B.One Grama Panchayat
C.One Village
D.One Taluk
Ans:D

99.Rule 16 is concerned with
A.Associate members
B.Admission of a member
C.Expulsion of a member
D.Removal of a member
Ans:B

100.Representative General Body is Constituted in a Co-operative Society as per Section----------and Rule----------of KCS Act and Rules,1969.
A.Sect.27 and Rule 32
B.Sect.28 and Rule 34
C.Sec.27 and Rule 34
D.Sect.28 and Rule 32
Ans:C

101.1994 Co-operative Principles Review Committee was headed by
A.Dr.Ivan Mac Pherson
B.Dr.Muller
C.Mac Legan
D.Karve
Ans:A

102.Joint Stock Companies require minimum ---------members for its incorporation
A.2
B.7
C.14
D.24
Ans:B

103.In 1826 Robert Owen set up a village community known as
A.New Harmony
B.Labour Exchange
C.Friendly Societies
D.UNICOOP
Ans:A

104.”Poverty,disease and crime were all due to the existing social and economic conditions and co-operatives were the only possible solution”Who said it?
A.Robert Owen
B.Schulze
C.Dr.William King
D.Edward Law
Ans:C

105.------------are considered as the founder father of co-operative principles
A.ICA
B.Rochdale Pioneers
C.German Co-operators
D.Russian Co-operators
Ans:B

106.----------is the organizational form of NCDC
A.Statutory Corporation
B.National Co-operative Federation
C.Public Limited
D.An NGO
Ans:A

107.----------ensures distributive justice
A.Equity
B.Equality
C.Solidarity
D.Honesty
Ans:A

108.First ‘Moshave Ovdim’established in the year
A.1921
B.1931
C.1948
D.1949
Ans:A

109.There are------elected members in the Managing Committee of the Kerala State Co-operative Union.
A.19
B.20
C.21
D.22
Ans:B

110.In 1961 UNICOOP was established in
A.USA
B.Japan
C.Russia
D.China
Ans:B

111.The area of operation PCARDB is confined to
A.One district
B.One taluk
C.One panchayath
D.One block
Ans:B

112.For withdrawing amount from debenture redemption fund of KSCARDB-------permission has to be obtained.
A.Government
B.President
C.Trustee
D.MD
Ans:C

113.Trade Deposit is accepted by -----societies
A.Credit
B.Consumer
C.Marketing
D.Milk
Ans:B

114.Kerajam is a product of
A.Rubber mark
B.Rubco
C.Market fed
D.None of these
Ans:B

115.Lead and Link Scheme was formulated by
A.NCDC
B.NDDB
C.NAFED
D.NABARD
Ans:A

116.Double compartmental System relates to
A.Industrial Societies
B.Credit Societies
C.Marketing Societies
D.Consumer Societies
Ans:D

117.Kerala Co-Operative Milk Marketing Federation was established in
A.1980
B.1945
C.1979
D.1985
Ans:A

118.The General body of Regional Co-operative milk producers unions consist of
A.President of APCOS
B.Secretary’s of APCOS
C.Delegates of APCOS
D.None of these
Ans:A

119.Which one of the following is not applicable to students Co-operative stores?
A.Minors are Members
B.Honorary Secretary
C.Ex-Officio President
D.Elected President
Ans:D

120.Coir mark scheme is introduced by
A.Coir fed
B.Coir board
C.State Govt.
D.Central Govt.
Ans:B

121.If TEACH is coded as XIEGL,STUDY will be coded as
A.WXYHC
B.WXZID
C.WXYHV
D.WXVHC
Ans:A

122.River:Dam::Traffic:?
A.Signal
B.Vehicle
C.Lane
D.Motion
Ans:A

123.Mahesh walks 5 KM towards North.Then turns to his left and walks 4 KM.He again turns left and walks for 5 KM.At this point he turns to his left and walks for 5 KM.How many KM is he from the starting point?
A.5 KM
B.2 KM
C.3 KM
D.1 KM
Ans:D

124.9,12,11,14,13,?,15
A.17
B.14
C.18
D.16
Ans:D

125.31,29,24,22,17,?
A.15
B.14
C.13
D.12
Ans:A

126.Find the odd one
A.Debit
B.Deposit
C.Deduction
D.Withdrawal
Ans:B

127.If PAINT is coded as 74128 and EXCEL is coded as 93596 Then how would you code ACCEPT?
A.455798
B.455978
C.455678
D.475598
Ans:B

128.The difference between present ages of Kannan and Jayan is 6 years.The ratio between their ages after 4 years will be 3:4.What is the present age of Jayan?
A.14 years
B.18 years
C.20 years
D.24 years
Ans:A

129.How many days will there be from 26th January 2004 to 15th May 2004(both the days included)?
A.110
B.111
C.112
D.113
Ans:B

130.Find the wrong number in the series.
5,27,61,122,213,340,509
A.27
B.61
C.122
D.509
Ans:A

131.Find the odd one
A.Copper
B.Zinc
C.Brass
D.Aluminium
Ans:C

132.Find the odd number
A.7
B.15
C.31
D.57
Ans:D

133.If 16 men or 28 women can do a work in 40 days.In how many days will 24 men and 14 women complete the same work
A.18
B.22
C.20
D.24
Ans:C

134.A train of 300 meters length is running at a speed of 25 meters per second.It will cross a bridge of 200 meters length in
A.5 seconds
B.10 seconds
C.20 seconds
D.25 seconds
Ans:C

135.Horse is related to Hoot in the same way as Eagle is related to
A.Clutch
B.Leg
C.Claw
D.Foot
Ans:C

136.Count each 7 which is not immediately preceded by 5 but is immediately follow by either 2 or 3.How many such 7-‘s are there 57 265 73 8378 25 7273 48 26 78?
A.One
B.Two
C.Three
D.Four
Ans:B

137.The door of Arun’s house faces to East.From the back side of his house,he walks 50 m straight,then turns to the right and walks 50 m again.Finally he turns towards left and steps after walking 25 m.Now Arun is in which direction from the starting point?
A.South-East
B.North-East
C.South-West
D.North-West
Ans:D

138.Find the wrong number in the series 2,5,11,23,47,96,191.
A.47
B.96
C.23
D.191
Ans:B

139.If second Saturday and all Sundays are holidays in 30 days month beginning on Saturday.Then how many working days are there in that month?
A.20
B.24
C.22
D.23
Ans:B

140.MD:52::ZB:
A.28
B.52
C.48
D.24
Ans:B

141.My Truth is written by
A.Indira Gandhi
B.Mahatma Gandhi
C.R.K.Narayanan
D.Abdul Khalam Azad
Ans:A

142.Which day is observed as the World Population Day?
A.July 17
B.July 11
C.June 28
D.June 11
Ans:B

143.Television was invented by
A.Biard
B.Newton
C.Watts
D.Dalton
Ans:A

144.The concept of zero was first given by the
A.Greeks
B.Arabs
C.Indian
D.Egyptians
Ans:C

145.Which one of the following period is reffered as the classical age or golden age of Ancient India?
A.Gupta
B.Maurya
C.Pallava
D.Chola
Ans:A

146.Which Article of Indian Constitution deals with Budget?(a)Article 108
A.Article 108
B.Article 112
C.Article 262
D.Article 324
Ans:B

147.What is India’s rank in the Global Competitiveness Index of the World Economic Forum(WEF) released in Sept.2018?
A.38th
B.48th
C.58th
D.68th
Ans:C

148.The 2018 Nobel Prize in Physics has been won by Gerard Mourou,Donna Strickland and
A.Michael Kosterlits
B.Serge Haroche
C.Arthur Ashkin
D.Albert-Kurtz
Ans:C

149.Which of  the following bodies regulates the Regional Rural Banks?
A.RBI
B.NABARD
C.Dept.of Rural Development
D.SIDBI
Ans:B

150.With which Canada Cup is associated?
A.Golf
B.Cricket
C.Footbal
D.Lawn Tennis
Ans:A

151.The background colour of Olympic Flag is
A.Yellow
B.White
C.Light Blue
D.Silver
Ans:B

152.Golden Awards are given for outstanding contribution in which of the following fields?
A.Population control
B.Popularization of science
C.Conservation of energy
D.Protection of environment
Ans:D

153.When International ‘Yoga Divas’ is celebrated?
A.May 1
B.June 21
C.April 25
D.July 2
Ans:B

154.’Higher than Hopes’ is a biography of
A.Mother Teresa
B.Nelson Mandela
C.Bishop Tutu
D.None of these
Ans:B

155.Which of the following is the first country to imposed carbon tax?
A.New Zealand
B.Norway
C.America
D.Australia
Ans:A

156.Which of the following has not yet been visited by NASA or ESA?
A.Venus
B.Pluto
C.Mecury
D.Titan
Ans:B

157.Which of the following is originally associated with Kerala culture?
A.Kathak
B.Kuchipudi
C.Barathanatyam
D.Mohiniattom
Ans:D

158.Who is the Chancellor of the Central University of Kerala
A.Prime Minister
B.President of India
C.Vice President
D.Governor of Kerala
Ans:B

159.How many Districts were there when Kerala came into existence on November,1,1956?
A.8 Districts
B.5 Districts
C.6 Districts
D.7 Districts
Ans:B

160.When Onam was declared as a National Festival by the Kerala Government?
A.1961
B.1971
C.1981
D.1991

Ans:A



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