Q. What is banking ombudsman?
Banking ombudsman aims at resolution of complaints relating to services provided by banks. Banking Ombudsman Scheme is introduced under Section 35 A of the Banking Regulation Act, 1949 by RBI with effect from 1995. Banking Ombudsman is a senior official appointed by the Reserve Bank of India to address customer complaints against deficiency in banking services. All Scheduled Commercial Banks, Regional Rural Banks and Scheduled Primary Co-operative Banks are covered under the Scheme.
Q. What is a credit card and debit card?
Credit Card is a payment method that financial institutions or banks provide to customers so that they can use it to pay for goods and services without actual payment at the time of purchase. Ie this helps people to buy stuff on credit. There will be a credit limit set for each customer based on their financial history. Customers can use credit cards to buy goods and plan to re-pay to bank at a later point of time. In most of the cases, interest is not taken from customers if repayment is done before the due date. High interest rates are considered if you miss to re-pay the amount before due date.
On contrary, debit cards usually help people to access only the balance available on their accounts. Debit cards draw money directly from your account when you make the purchase. The card can be used instead of using cash while purchases are done.
http://tutioncentral.com/study-materials/banking-basics
Tuesday, March 26, 2013
Banking Terms - Probationary Officer - Interview Questions - 4
· What is banking amendment act?
The Banking Amendment act 2011 was introduced in order to amend the Banking Regulation Act, 1949 and the Banking Companies Act, 1970/1980. The bill is passed by both the Houses of Parliament. The bill is aimed to strengthen the regulatory powers of RBI. The bill aims to open the doors for new banks and branches by issuing new bank licenses by RBI. The act aims at empowering RBI by rules like supersede the Board of Directors of bank if situation arises. This also aims to enable nationalized banks to raise capital through “bonus” and “rights” issue.
Q. What is RTI act?
RTI – Right to Information act mandates timely response to Indian citizens, if they request for government related information. The act guarantees citizens to get the desired information within 30 days. This law was passed by Parliament on 15 June 2005 and came fully into force on 12 October 2005. Central Intelligence and Security agencies are excluded from providing information.
Q .What is NPA?
If interest or installment of principal has remained ‘past due’ for a specified period of time, then it is declared as NPA or Non-performing Asset. If a loan re-payment is due for a long period of time, then it will become NPA. It is banks discretion to identify what should be the period within which a loan should be declared as NPA. Banks tends to reduce the period to reduce the risk element. Usually it is 90 days of non-repayment, after which the loan will be declared as NPA
Q. What is IFSC?
IFSC is Indian Financial System Code, an alpha-numeric code that uniquely identifies a bank-branch participating in the NEFT system. This is an 11 digit code. IFSC is used by the NEFT system to identify the originating / destination banks / branches and also to route the messages appropriately to the concerned banks / branches.
·
The Banking Amendment act 2011 was introduced in order to amend the Banking Regulation Act, 1949 and the Banking Companies Act, 1970/1980. The bill is passed by both the Houses of Parliament. The bill is aimed to strengthen the regulatory powers of RBI. The bill aims to open the doors for new banks and branches by issuing new bank licenses by RBI. The act aims at empowering RBI by rules like supersede the Board of Directors of bank if situation arises. This also aims to enable nationalized banks to raise capital through “bonus” and “rights” issue.
Q. What is RTI act?
RTI – Right to Information act mandates timely response to Indian citizens, if they request for government related information. The act guarantees citizens to get the desired information within 30 days. This law was passed by Parliament on 15 June 2005 and came fully into force on 12 October 2005. Central Intelligence and Security agencies are excluded from providing information.
Q .What is NPA?
If interest or installment of principal has remained ‘past due’ for a specified period of time, then it is declared as NPA or Non-performing Asset. If a loan re-payment is due for a long period of time, then it will become NPA. It is banks discretion to identify what should be the period within which a loan should be declared as NPA. Banks tends to reduce the period to reduce the risk element. Usually it is 90 days of non-repayment, after which the loan will be declared as NPA
Q. What is IFSC?
IFSC is Indian Financial System Code, an alpha-numeric code that uniquely identifies a bank-branch participating in the NEFT system. This is an 11 digit code. IFSC is used by the NEFT system to identify the originating / destination banks / branches and also to route the messages appropriately to the concerned banks / branches.
·
Banking Terms - Probationary Officer - Interview Questions - 3
Q. What is NEFT and RTGS?
National Electronic Funds Transfer (NEFT) is a nation-wide payment system facilitating one-to-one funds transfer. This can be used to transfer funds to any banks or branches. Under this Scheme, customers can electronically transfer funds from any bank branch to any individual, firm or corporate having an account with any other bank branch in the country. There is no limit on the amount of funds that could be transferred using NEFT.
Q What is RTGS?
This is a method of interbank fund transaction. The acronym 'RTGS' stands for Real Time Gross Settlement. It is the continuous (real-time) settlement of funds transfers individually on an order by order basis. These payments are final and irrevocable. The RTGS system is primarily meant for large value transactions. The minimum amount to be remitted through RTGS is ` 2 lakh. There is no upper ceiling for RTGS transactions.
Q. What is the difference between NEFT and RTGS?
Fund transfer transactions are settled in batches for NEFT, while individual settlements are done in RTGS. Hence RTGS is a faster method compared to NEFT.
National Electronic Funds Transfer (NEFT) is a nation-wide payment system facilitating one-to-one funds transfer. This can be used to transfer funds to any banks or branches. Under this Scheme, customers can electronically transfer funds from any bank branch to any individual, firm or corporate having an account with any other bank branch in the country. There is no limit on the amount of funds that could be transferred using NEFT.
Q What is RTGS?
This is a method of interbank fund transaction. The acronym 'RTGS' stands for Real Time Gross Settlement. It is the continuous (real-time) settlement of funds transfers individually on an order by order basis. These payments are final and irrevocable. The RTGS system is primarily meant for large value transactions. The minimum amount to be remitted through RTGS is ` 2 lakh. There is no upper ceiling for RTGS transactions.
Q. What is the difference between NEFT and RTGS?
Fund transfer transactions are settled in batches for NEFT, while individual settlements are done in RTGS. Hence RTGS is a faster method compared to NEFT.
Banking Terms - Probationary Officer - Interview Questions - 2
Q. What are different types of accounts in bank?
Banks in India have four types of deposit accounts
- Current Accounts
- Saving Banking Accounts
- Recurring Deposits
- Fixed Deposits.
Q. What is a current account?
Usually current accounts are held by business persons. The main purpose is to enable business folks to have easy transactions. There is no limit of transactions on a day on current accounts. Usually no interest is paid to the amount held in current accounts. Cheque facility is also provided for this account.
Banks in India have four types of deposit accounts
- Current Accounts
- Saving Banking Accounts
- Recurring Deposits
- Fixed Deposits.
Q. What is a current account?
Usually current accounts are held by business persons. The main purpose is to enable business folks to have easy transactions. There is no limit of transactions on a day on current accounts. Usually no interest is paid to the amount held in current accounts. Cheque facility is also provided for this account.
Banking Terms - Probationary Officer - Interview Questions - 1
What is an overdraft?
Overdraft is a credit facility provided by banks. Customers who have a current account with a bank is allowed to withdraw more than the amount of balance in his account. Hence the available balance goes below zero. There is an agreed limit of overdraft that a customer can get from bank.
What is KYC ?
KYC or “Know your Customer” is a term used for customer identification process. If you hold an account in a bank, the bank may ask for submitting proofs so that you are in sync with the KYC regulations. It involves making efforts to determine identity and ownership of accounts, source of funds, the nature of customer’s business etc . This helps the banks to manage their risks too. The objective of the KYC is to prevent criminal elements using banks for money laundering.
KYC has two components - Identity and Address. Identity of a customer will remain the same, but the address may change. This is the reason why banks ask you to provide KYC details periodically.
Overdraft is a credit facility provided by banks. Customers who have a current account with a bank is allowed to withdraw more than the amount of balance in his account. Hence the available balance goes below zero. There is an agreed limit of overdraft that a customer can get from bank.
What is KYC ?
KYC or “Know your Customer” is a term used for customer identification process. If you hold an account in a bank, the bank may ask for submitting proofs so that you are in sync with the KYC regulations. It involves making efforts to determine identity and ownership of accounts, source of funds, the nature of customer’s business etc . This helps the banks to manage their risks too. The objective of the KYC is to prevent criminal elements using banks for money laundering.
KYC has two components - Identity and Address. Identity of a customer will remain the same, but the address may change. This is the reason why banks ask you to provide KYC details periodically.
Monday, March 25, 2013
Improve Your Interview Skills - JOB Guide
The biggest mistake in interviewing is not being fully prepared. Although your resume lands you the interview, it is ultimately the interview that will get you the job. So, being well prepared for whatever an interviewer throws at you is crucial. Located below are a few simple tips that you can use to effectively handle the interview process:
1. Conduct Research
It’s important to be confident and prepared. Conduct research on companies of interest before applying to a job or showing up for an interview. By understanding and showing interest in the company, you can customize your pitch, demonstrate the value you will bring to the organization and confidently convince employers that you are the right candidate.
2. Practice Interviewing
Prepare for an interview by running through commonly asked interview questions. Understand that interviewing is a skill and as with any skill, practice makes perfect!
3. Dress Professionally
When you are on an interview, you are marketing yourself as the best candidate for the job, so it’s important to dress professionally. Appropriate attire and good personal hygiene demonstrates that you are not only willing to take that extra step to look your best but also do your best.
4. Make a Positive First Impression
First impressions are critical. Arrive early, give a firm handshake and make eye contact throughout the interview. It is important to be confident, but most importantly, be yourself!
5. Go Beyond the Canned Response
Behavioral interviewing is an ever-growing interview technique. Rather than merely telling the interviewer what you would do in a situation, demonstrate your knowledge, skills, and abilities by giving specific examples from past work experiences.
6. Ask Questions
Express interest and willingness to learn about the company by asking questions and listening to details about the organization. This portion of the interview is your chance to shine. Not having any questions for the interviewer can show that you are uninterested and unprepared.
7. Follow Up
Reinforce to the employer that you bring value to their organization by developing a well-written thank you note. A thank you note is an easy and surefire way to show your appreciation, reiterate you are the best candidate and demonstrate your initiative and follow-through. It is also appropriate to make a follow up call, unless instructed otherwise by the employer.
1. Conduct Research
It’s important to be confident and prepared. Conduct research on companies of interest before applying to a job or showing up for an interview. By understanding and showing interest in the company, you can customize your pitch, demonstrate the value you will bring to the organization and confidently convince employers that you are the right candidate.
2. Practice Interviewing
Prepare for an interview by running through commonly asked interview questions. Understand that interviewing is a skill and as with any skill, practice makes perfect!
3. Dress Professionally
When you are on an interview, you are marketing yourself as the best candidate for the job, so it’s important to dress professionally. Appropriate attire and good personal hygiene demonstrates that you are not only willing to take that extra step to look your best but also do your best.
4. Make a Positive First Impression
First impressions are critical. Arrive early, give a firm handshake and make eye contact throughout the interview. It is important to be confident, but most importantly, be yourself!
5. Go Beyond the Canned Response
Behavioral interviewing is an ever-growing interview technique. Rather than merely telling the interviewer what you would do in a situation, demonstrate your knowledge, skills, and abilities by giving specific examples from past work experiences.
6. Ask Questions
Express interest and willingness to learn about the company by asking questions and listening to details about the organization. This portion of the interview is your chance to shine. Not having any questions for the interviewer can show that you are uninterested and unprepared.
7. Follow Up
Reinforce to the employer that you bring value to their organization by developing a well-written thank you note. A thank you note is an easy and surefire way to show your appreciation, reiterate you are the best candidate and demonstrate your initiative and follow-through. It is also appropriate to make a follow up call, unless instructed otherwise by the employer.
Saturday, March 23, 2013
Placement Papers - TCS - Verbal - Synonyms 17
Synonym
1. dwindle – decrease, decline, fall, fall off, drop, drop off
2. efface - wipe out, obliterate, eradicate, destroy
3. inept – incompetent, inexpert, clumsy
4. infirmity - ill-health, sickness
5. candid- open, frank
6. dangle - hang, swing, sway
1.Moribund – declining, dilapidated, waning
2.Repudiate – reject, disclaim, renounce, deny
3.Translucent – transparent, semi- transparent, lucid, lucent, clear, see through
4. Mitigate- alleviates, lessen, ease, alley, tune down, dull, Assuage
5. Inundate – flood, overwhelm, swamp, submerge
6. Bilk – deceive, trick, swindle, con
7.Nettle – annoy, irritate, vex
8.Impugn – hold responsible, charge, censure, accuse
9. Mulch
10.Tenacity – stubbornness, resolve, firmness, persistence, insistence, determination
11.Sobriety – temperance, moderation, abstemiousness, soberness
12.Degrade – shame, disgrace, mortify, humiliate
13.Hidebound - narrow-minded, conservative, prejudiced
14.Waif – stray, sole, thing
15.Hamper – basket, hinder
16.Retrograde – nostalgic, retrospective, traditional and conservative
17.Despondent – hopeless, low, dejected
18.Debacle – disaster, tragedy, catastrophe
19.Nebulous – vague, hazy, unformulated, tenuous
20.Inconsistent – conflicting, contradictory, unreliable , incompatible, inhoherent
21.Paradox – inconsistency, irony, absurdity
1. dwindle – decrease, decline, fall, fall off, drop, drop off
2. efface - wipe out, obliterate, eradicate, destroy
3. inept – incompetent, inexpert, clumsy
4. infirmity - ill-health, sickness
5. candid- open, frank
6. dangle - hang, swing, sway
1.Moribund – declining, dilapidated, waning
2.Repudiate – reject, disclaim, renounce, deny
3.Translucent – transparent, semi- transparent, lucid, lucent, clear, see through
4. Mitigate- alleviates, lessen, ease, alley, tune down, dull, Assuage
5. Inundate – flood, overwhelm, swamp, submerge
6. Bilk – deceive, trick, swindle, con
7.Nettle – annoy, irritate, vex
8.Impugn – hold responsible, charge, censure, accuse
9. Mulch
10.Tenacity – stubbornness, resolve, firmness, persistence, insistence, determination
11.Sobriety – temperance, moderation, abstemiousness, soberness
12.Degrade – shame, disgrace, mortify, humiliate
13.Hidebound - narrow-minded, conservative, prejudiced
14.Waif – stray, sole, thing
15.Hamper – basket, hinder
16.Retrograde – nostalgic, retrospective, traditional and conservative
17.Despondent – hopeless, low, dejected
18.Debacle – disaster, tragedy, catastrophe
19.Nebulous – vague, hazy, unformulated, tenuous
20.Inconsistent – conflicting, contradictory, unreliable , incompatible, inhoherent
21.Paradox – inconsistency, irony, absurdity
Placement Papers - TCS - Verbal - Synonyms 16
Synonym
1.Harbinger – forerunner, portent, indication
2.Cacophony – dissonance, disharmony
3.Divulge – reveal, disclose
4.Clutch – grasp, grab, clasp, hold
5.Acronym – short form, contraction, ellipsis
6.Illustrious – memorable, well–known, famous
7.Prolific – productive, abundant
8.Divergent – different, deviating, conflicting
9.Jaded – world-weary, tired, lackluster, worn-out, exhausted, bored, fed up
10. Mien – appearance, demeanor
11. Mitigate – alleviate, ease, lessen, soften, allay, moderate
12. Ambitious – determined, grand, striving
13. Aberration – deviation, abnormality, eccentricity, oddness
14. Foray – raid, sortie, incursion, attack, venture
15. Denounce – condemn, accuse, criticize
1.Harbinger – forerunner, portent, indication
2.Cacophony – dissonance, disharmony
3.Divulge – reveal, disclose
4.Clutch – grasp, grab, clasp, hold
5.Acronym – short form, contraction, ellipsis
6.Illustrious – memorable, well–known, famous
7.Prolific – productive, abundant
8.Divergent – different, deviating, conflicting
9.Jaded – world-weary, tired, lackluster, worn-out, exhausted, bored, fed up
10. Mien – appearance, demeanor
11. Mitigate – alleviate, ease, lessen, soften, allay, moderate
12. Ambitious – determined, grand, striving
13. Aberration – deviation, abnormality, eccentricity, oddness
14. Foray – raid, sortie, incursion, attack, venture
15. Denounce – condemn, accuse, criticize
Placement Papers - TCS - Verbal - Synonyms 15
Directions for questions 1-15:Find the synonyms of the following words.
Synonyms: (Ref: Barron’s Synonyms and Antonyms)
Ponderous – heavy, tedious, cumbersome
Mundane – ordinary, dull, monotonous, dreary
Icon – image, idol, emblem, symbol
Brackish – salty, briny
Mollify – placate, pacify, calm, appease, soothe
Depreciation – reduction, decline
Equanimity – composure, poise, calmness, self-control
Gist – general idea, substance, essence
Gaudy – garish, flashy, extravagant, loud, showy, colorful
Awry – skewed, crooked, wrong
Repartee – banter, joking, word play
Boisterous – energetic, animated
Ungainly – clumsy, awkward, ungraceful, miserly, mean, inelegant, gawky
Whimsical – fanciful, unusual, quirky, capricious
Asperity – roughness, severity, brusqueness
Cavil – quibble, complain, niggle, split hairs, carp
Quixotic – idealistic, romantic, dreamy, unrealistic, impracticable
Profound – deep, intense, thoughtful, reflective, philosophical, weighty, insightful
Incorrigible - habitual, persistent, inveterate, hopeless
Musty – mildewed, moldy, stale, rank, fusty, stuffy
Waif – stray, thing, lose, urchin, orphan
Irk – displease, vex, annoy, trouble, bother, nag, rile
Interdict – prohibit, veto, injunction, bar, embargo
Cohere - hold together
Rupture - break
Moribund – dying, declining, waning
Décolleté – low necked, revealing
Callow – inexperienced, immature, youthful
Balmy – mild, clement, pleasant
recalcitrant – unruly, disobedient, obstinate, stubborn
guile – cunningness, deviousness, slyness, cleverness, wiliness, astuteness
Synonyms: (Ref: Barron’s Synonyms and Antonyms)
Ponderous – heavy, tedious, cumbersome
Mundane – ordinary, dull, monotonous, dreary
Icon – image, idol, emblem, symbol
Brackish – salty, briny
Mollify – placate, pacify, calm, appease, soothe
Depreciation – reduction, decline
Equanimity – composure, poise, calmness, self-control
Gist – general idea, substance, essence
Gaudy – garish, flashy, extravagant, loud, showy, colorful
Awry – skewed, crooked, wrong
Repartee – banter, joking, word play
Boisterous – energetic, animated
Ungainly – clumsy, awkward, ungraceful, miserly, mean, inelegant, gawky
Whimsical – fanciful, unusual, quirky, capricious
Asperity – roughness, severity, brusqueness
Cavil – quibble, complain, niggle, split hairs, carp
Quixotic – idealistic, romantic, dreamy, unrealistic, impracticable
Profound – deep, intense, thoughtful, reflective, philosophical, weighty, insightful
Incorrigible - habitual, persistent, inveterate, hopeless
Musty – mildewed, moldy, stale, rank, fusty, stuffy
Waif – stray, thing, lose, urchin, orphan
Irk – displease, vex, annoy, trouble, bother, nag, rile
Interdict – prohibit, veto, injunction, bar, embargo
Cohere - hold together
Rupture - break
Moribund – dying, declining, waning
Décolleté – low necked, revealing
Callow – inexperienced, immature, youthful
Balmy – mild, clement, pleasant
recalcitrant – unruly, disobedient, obstinate, stubborn
guile – cunningness, deviousness, slyness, cleverness, wiliness, astuteness
Placement Papers - TCS - Verbal - Synonyms 14
Synonym
1. Insimate
2. Banal
3. misdemeanour
4. bombastic
5. tenacious
6. repellent
7. ensue
8. reprobate
9. acerbity
10. gambol
11. ameliorate
12. confiscate
13. quixotic
14. foray
15. fidelity
16. inimical
17. stoic
18. haggard
19. cacophony
20. discord
21. fledgling
22. incongruous
23. ingenious
24. estrange
25. clandestine
1. Insimate
2. Banal
3. misdemeanour
4. bombastic
5. tenacious
6. repellent
7. ensue
8. reprobate
9. acerbity
10. gambol
11. ameliorate
12. confiscate
13. quixotic
14. foray
15. fidelity
16. inimical
17. stoic
18. haggard
19. cacophony
20. discord
21. fledgling
22. incongruous
23. ingenious
24. estrange
25. clandestine
Placement Papers - TCS - Verbal - Synonyms 13
Pillage – steal , loot , plunder
Cleft - split , crack
Incesment –
Brazen - bold , shameless
Awry - skewed , twisted , crooked
Remiss – careless , negligent
Defection - desertion
Ensue - follow
Avid - keen , eager
Rupidiate Repudiate - reject,deny
Gauche - clumsy, vulgar
Intrinsic - essential
Gaudy – flashy , showy
Hidebound – narrow minded
Incognitent -
Intermittent – irregular,broken
Clastrophobia - fear
Contraband – illegal trade
Pagm concealed rapt
Voracious – avid,hunger,greedy
Seedy – sleazy,seamy
Omniscience – knowing all
Diatribe – attack,criticism
Slack - loose, relaxed
Felicitous – fortunate,luck
Relish – enjoy,savor
Aloofness – unfriendliness, remoteness
Ambiguity - unknown
Pattry
Baleful – threatening, malevolent
Pattry
Baleful – threatening, malevolentLapidarian
Gambol - skip
High handed – dominant,imperious
Retrospection - perception
Antithe
Pagan
Genuflect – kneel,bow
coerce – force,compel
Indubitably – undoubtedly, certainly
Extraneous – irrelevant , unrelated
Corpulent – fat,pump
Transient – momentary
Spurious – false,fake
Whimsical - fancy
Braggadocio -
Chimerical
Callow – inexperience,naive
Menial – unskilled,boring
Indigenous – native,original
Ambiguity
Foil – frustrate,halt
Placement Papers - TCS - Verbal - Synonyms 12
1] Depreciation = deflation,depression,devaluation,fall,slump
2] Depricate = feel and express disapproval
3] Incentive = thing one encourages one to do
4] Echelon = level of authority or responsibility
5] Innovation = make changes or introduce new things
6] Intermittant = externally stopping and then starting
7] Detrimental = harmful
8] Mesotiate = ...
9] Conciliation = make less angry or more friendly
10] Orthodox = conventional or superstitious
11] Fallible = liable to err
12] Volatile = ever changing
13] Manifestion = clear or obvious
14] Connotation =
15] Reciprocal = reverse, opposite
16] Agrarian = related to agriculture
17] Vacillate = undecided or dilemma
18] Experdent = fitting proper , desirable
19] Simulate = produce artificially resembling an existing one
20] Access = to approach
21] Compensation= salary
22] Truncate = shorten by cutting
23] Adherance = stick
24] Heterogenous = non-similar things
25] Surplus = excessive
26] Assess = determine the amount or value
27] Cognezance = knowledge
28] Retrospective = review
29] Naive = innocent , rustic
30] Equivocate = tallying on both sides
31] Postulate = frame a theory
32] Latent = dormant, secret
33] Fluctuate = wavering
34] Eliminate = to reduce
35] Affinity = strong liking
36] Expedite = hasten
37] Console = to show sympathy
38] Adversary = opposition
39] Affable = lovable, approachable
40] Decomposable = rotten
41] Agregious = apart from crowd, especially bad
42] Conglomeration = group
43] Aberration = deviation
44] Erudite = wise, profound
45] Augury = prediction
46] Credibility = ability to common belief, quality of being credible
47] Coincident = incidentally
48] Constituent = accompanying
49] Differential = having or showing or making use of
50] Distention = act out, stretching out ,swelling out
51] Litigation = engaging in a law suite
52] Moratorium = legally or officially determined period of delay before the fulfillment of the agreement or payment of debts
53] Negotiate = discuss or bargain
54] Preparation = act of preparing
55] Preponderant = superiority of power or quality
56] Relevance = quality of being relevant
57] Apparatus = appliance
58] Ignorance = blindness or inexperience
59] Obsession = complex enthusiasm
60] Precipitate = Quicken.
2] Depricate = feel and express disapproval
3] Incentive = thing one encourages one to do
4] Echelon = level of authority or responsibility
5] Innovation = make changes or introduce new things
6] Intermittant = externally stopping and then starting
7] Detrimental = harmful
8] Mesotiate = ...
9] Conciliation = make less angry or more friendly
10] Orthodox = conventional or superstitious
11] Fallible = liable to err
12] Volatile = ever changing
13] Manifestion = clear or obvious
14] Connotation =
15] Reciprocal = reverse, opposite
16] Agrarian = related to agriculture
17] Vacillate = undecided or dilemma
18] Experdent = fitting proper , desirable
19] Simulate = produce artificially resembling an existing one
20] Access = to approach
21] Compensation= salary
22] Truncate = shorten by cutting
23] Adherance = stick
24] Heterogenous = non-similar things
25] Surplus = excessive
26] Assess = determine the amount or value
27] Cognezance = knowledge
28] Retrospective = review
29] Naive = innocent , rustic
30] Equivocate = tallying on both sides
31] Postulate = frame a theory
32] Latent = dormant, secret
33] Fluctuate = wavering
34] Eliminate = to reduce
35] Affinity = strong liking
36] Expedite = hasten
37] Console = to show sympathy
38] Adversary = opposition
39] Affable = lovable, approachable
40] Decomposable = rotten
41] Agregious = apart from crowd, especially bad
42] Conglomeration = group
43] Aberration = deviation
44] Erudite = wise, profound
45] Augury = prediction
46] Credibility = ability to common belief, quality of being credible
47] Coincident = incidentally
48] Constituent = accompanying
49] Differential = having or showing or making use of
50] Distention = act out, stretching out ,swelling out
51] Litigation = engaging in a law suite
52] Moratorium = legally or officially determined period of delay before the fulfillment of the agreement or payment of debts
53] Negotiate = discuss or bargain
54] Preparation = act of preparing
55] Preponderant = superiority of power or quality
56] Relevance = quality of being relevant
57] Apparatus = appliance
58] Ignorance = blindness or inexperience
59] Obsession = complex enthusiasm
60] Precipitate = Quicken.
Placement Papers - TCS - Verbal - Synonyms 11
1. CIRCUMSPECT
(i)CONDITION (ii)INSPECT (iii)CAUTIOUS (IV)RECKLESS
2. ABYSMAL
1.SLIGHT 2.DEEP
3. ILLUSTRIOUS
4. PROLIFIC
5. DILIGENT
1.INTELLIGENT 2.....
6. VEHEMENT
1.PASSIONATE 2.CONFESY 3.NOISY 4.MOQULIS
7. IMPETUS
1.CONNECT 2. CRUCIAL 3.STIMULUS 4. IMMEDIATE
8. ACRONYM
1. ABBREVIATION 2. SIMILAR
9. DISSEMINATE
1.FORECAST 2.SPREAD 3.BRANSP
10. HARBINGER
1.NAVAL 2. UNCOMMON 3.FORE RUNNER 4.GLORY
(i)CONDITION (ii)INSPECT (iii)CAUTIOUS (IV)RECKLESS
2. ABYSMAL
1.SLIGHT 2.DEEP
3. ILLUSTRIOUS
4. PROLIFIC
5. DILIGENT
1.INTELLIGENT 2.....
6. VEHEMENT
1.PASSIONATE 2.CONFESY 3.NOISY 4.MOQULIS
7. IMPETUS
1.CONNECT 2. CRUCIAL 3.STIMULUS 4. IMMEDIATE
8. ACRONYM
1. ABBREVIATION 2. SIMILAR
9. DISSEMINATE
1.FORECAST 2.SPREAD 3.BRANSP
10. HARBINGER
1.NAVAL 2. UNCOMMON 3.FORE RUNNER 4.GLORY
Placement Papers - TCS - Verbal - Synonyms 10
1) Choleric = Hot Tempered, Irritate
2) Waif = Urchin, Abandoned Person
3) Florid = Ornate, Showy
4) Servility = Surrender
5) Tepid = Luke warm, Half hearted
6) Melee = Fight, Combat
7) Aplomb = Self-confidence, composure
8) Mawkish = Over emotional, weepy
9) Voracious = Hungry, eager, greedy
10) Cliché = Commonplace, Truism
11) Pithy = Strong
12) Celibacy = Chastity, State of not being married
13) Retrograde = Worsen, Move backward
14) Foil = metal sheet, Layer of aluminum paper
15) Chaste = Pure, Modest
16) Furtive = Secret, Stealthy
17) Paradox = Contradiction
18) Alacrity = Eagerness, Readiness
19) Remiss = Careless
20) Repartee = Witty Report
21) Mundane = Normal
22) Moribund = Dying, Expiring
23) Banal = Stale, Common place, Usual
24) Tarry = Delay
25) Misapprehension = Improper Understanding
26) Cleft = Split
27) Virulent = Poisonous, Dangerous
28) Indulgent = Obliging, Complaint
29) Tantamount = Equivalent
30) Repudiate = Reject, Deny, Renounce
31) Reprobate = Degenerate
32) Acclivity = an upward slope
33) Baneful = Destructive, Harmful
34) Chide = Scold
35) Circuitous = Indirect in action or language
36) Churlish = Brutish, Cruel, Rude
37) Latitude = Freedom, Liberty
38) Jettison = throw away, get rid of
2) Waif = Urchin, Abandoned Person
3) Florid = Ornate, Showy
4) Servility = Surrender
5) Tepid = Luke warm, Half hearted
6) Melee = Fight, Combat
7) Aplomb = Self-confidence, composure
8) Mawkish = Over emotional, weepy
9) Voracious = Hungry, eager, greedy
10) Cliché = Commonplace, Truism
11) Pithy = Strong
12) Celibacy = Chastity, State of not being married
13) Retrograde = Worsen, Move backward
14) Foil = metal sheet, Layer of aluminum paper
15) Chaste = Pure, Modest
16) Furtive = Secret, Stealthy
17) Paradox = Contradiction
18) Alacrity = Eagerness, Readiness
19) Remiss = Careless
20) Repartee = Witty Report
21) Mundane = Normal
22) Moribund = Dying, Expiring
23) Banal = Stale, Common place, Usual
24) Tarry = Delay
25) Misapprehension = Improper Understanding
26) Cleft = Split
27) Virulent = Poisonous, Dangerous
28) Indulgent = Obliging, Complaint
29) Tantamount = Equivalent
30) Repudiate = Reject, Deny, Renounce
31) Reprobate = Degenerate
32) Acclivity = an upward slope
33) Baneful = Destructive, Harmful
34) Chide = Scold
35) Circuitous = Indirect in action or language
36) Churlish = Brutish, Cruel, Rude
37) Latitude = Freedom, Liberty
38) Jettison = throw away, get rid of
Placement Papers - TCS - Verbal - Antonym 4
1) Mollify × Enrage, Provoke
2) Inundate × Drain
3) Equanimity × Agitation
4) Gauche × Tactful
5) Exhume × Inter
6) Baleful × Beneficent
7) Anathematize × Bless
8) Enigmatic × Unambiguous
9) Pariah × Idol
10) Turbid × Limpid
2) Inundate × Drain
3) Equanimity × Agitation
4) Gauche × Tactful
5) Exhume × Inter
6) Baleful × Beneficent
7) Anathematize × Bless
8) Enigmatic × Unambiguous
9) Pariah × Idol
10) Turbid × Limpid
Placement Papers - TCS - Verbal - Synonyms 9
Vocabulary for TCS test
Word
|
Meaning
|
Synonyms
|
Antonyms
|
Abysmal
|
Adj. Bottomless Use : His arrogance is exceeded only by his abysmal ignorance
|
Terrible, awful, dreadful, appalling, very bad,
|
Superb
|
acronym
|
n. A word formed by the initial letters of a multi-word name
|
Contraction, ellipsis,
|
|
admonish
|
v. warn strongly, reprove Use: He admonished his listeners to change their wicked ways
|
Reprove, reprimand, chide, rebuke, usurp
|
Approve
|
Circumspect
|
v. Investigation before acting,
Use: She tried always to be circumspect
|
Cutious, prudent, careful, guarded, wary, judicious, vigilant,
|
reckless
|
Conciliation
|
n. the act of placating
|
Appeasement, pacification, propitiation
|
Incitement
|
Connotation
|
n. Suggested or implied meaning of an expression. Use: Foreigners frequently are unaware of the connotations of the words they use.
|
Nuance, suggestion, implication, undertone, overtone, subtext,
|
|
covert
|
Adj. secret or hidden, not openly practiced or vowed n. a covering that serves to conceal or shelter something Use: Investigations of CIA reveal that such covert operations can get out of control
|
Clandestine, concealed, stealthy, underground, copse, wood, thicket
|
Open
|
Covetous
|
Adj. avaricious, eagerly desirous of Use: The child was covetous by nature and wanted to take the toys belonging to his classmates
|
envious, jealous, desirous, greedy
|
Generous, temperate
|
Deprecate
|
v. express disapproval of, protest against, belittle Use:
A firm believer of old-fashioned courtesy, Miss Post, deprecated the
modern tendency to address new acquaintances by their first names.
|
Denounce, deplore, condemn, censure, denigrate, decry, belittle.
|
Approve
|
Diligence
|
n. care and perseverance in carrying out tasks. Use : Her employers were greatly impressed by her diligence and offered her a partnership in the firm
|
Hard-working, assiduousness, meticulousness, conscientiousness, painstakingness
|
Laziness, carelessness,
negligence
|
Discretion
|
n. ability to adjust action to circumstances Use: Use your discretion in this matter and do not discuss the matter with anyone.
|
Prudence, caution, acumen, predilection, sagacity, wariness, volition
|
Indiscretion
|
dispel
|
v. scatter, drive away, cause to vanish Use: The bright sunlight eventually dispelled the morning mist
|
Disperse
|
Attract
|
Dissemination
|
v. Opening to public discussion or debate, the act of spreading something, Use:By
their use of the internet, propagandists, have been able to
disseminate their pet doctrines to new audiences around the globe
|
Broadcasting, diffusion, propagation,
|
|
Dogmatic
|
Adj. Opinionated Use: We tried to discourage him from being so dogmatic, but nothing could convince him that his opinions might be wrong
|
Arbitrary, doctrinal, unbending, inflexible, authoritarian,
|
Flexible
|
echelon
|
n. A body of troops arranged in a line
|
Level, stratum, rank, height
|
|
fallible
|
Adj. Liable to err. Use: I Know I am fallible, but I feel confident that I am right this time
|
Imperfect, unsound, mortal, weak, frail,
|
Perfect
|
Harbinger
|
n. an indication of the approach of something or someone, forerunner v. fore shadow or presage Use: The crocus is an early harbinger of spring
|
Forerunner, herald, potent, omen,
|
|
illustrious
|
Adj. Widely known and esteemed
|
Memorable, well-known, famous
|
Inglorious, shameful
|
impetus
|
n. A force that moves something along, incentive, stimulus Use: A new federal highway program would create jobs and will give added impetus to our economic recovery
|
Momentum, thrust, motivation
|
inertia
|
Intermittent
|
Adj. Periodic Use: The outdoor
wedding reception had to be shifted indoor to avoid the intermittent
showers that fell on and of all afternoon.
|
Alternating, sporadic
|
Constant
|
Latent
|
Adj. Potentially existing, but not presently evident or realized Use:
Polaroid pictures are popular at the parties because you can see the
latent photographic image gradually appear before your eyes
|
Dormant, embryonic, suppressed, undeveloped,
|
Overt
|
Latitude
|
n. freedom from narrow limitations Use: I think you have permitted your son too much latitude in this manner
|
Leeway, freedom, autonomy, liberty, room, rope
|
|
Manifestation
|
n. outward demonstration, indication Use: Mozart’s early attraction to the harpsichord was the first manifestation of his pronounced musical bent
|
Sign, demonstration, expression, symptom,
|
|
mitigate
|
v. lessen or try to lessen the seriousness or extent of Use: Nothing he could do to mitigate her anger, she refused to forgive him
|
Appease, alleviate, allay, assuage, mollify, extenuate, palliate
|
Aggrevate, exacerbate
|
motley
|
Adj. Multicolored or mixed Use: he wore a motley tunic, red and green and blue and gold all patched together haphazardly
|
Assorted, diversed, mixed, dissimilar,
|
Uniform, homogenous, monochrome
|
pensive
|
Adj. Dreamily thoughtful, thoughtful with a hint of sadness Use: The pensive lover gazed at the portrait of his beloved and sighed deeply.
|
Brooding, pondering, meditative, contemplative
|
|
prolific
|
Adj. Abundantly fruitful Use: She was a prolific writer, who produced as meany as three books a years
|
Productive, abundant, fecund
|
Unproductive, scarce
|
relinquish
|
v. give up something with reluctance, yield Use: once you get used to fringes like expense account meal and company car, it is very difficult to relinquish them
|
Surrender, renounce, abandon, repudiate, cede,
|
Vanquish, retain,
|
solicit
|
v. request earnestly, seek Use: The Mayor telephoned all the member of the city council to solicit their votes
|
Importune, implore, crave, beseech,
|
Grant
|
tractable
|
Adj. Docile, easily managed, susceptible to suggestion Use: Although Susan seemed to be a tractable young woman, she had a stubborn streak of independence
|
Obedient, dutiful, well-mannered
|
Disobedient, intractable
|
veer
|
v. change in direction Use: After what seemed to be en eternity, the wind veered to the east and the storm abated
|
Turn, swerve
|
|
Vehement
|
Adj. Forceful, intensely emotional; with marked vigor Use: He became so Vehement in describing what had happened with him that he started jumping up and down
|
Fervent, passionate,
|
Apathetic
|
Caprice
|
n. whim, a sudden desire. Use: She was an unpredictable creature, acting on caprice, never taking thought of consequences
|
Whim, impulse, quirk, fad, fancy, notion
|
|
stifle
|
v. suppress, extinguish, inhibit Use: Halfway through the boring picture, Laura gave up trying to stifle he yawns.
|
Smother, asphyxiate, choke, suffocate, strangle, curb, restrain, repress,
|
Let out
|
concur
|
v. agree Use: Did you concur with the decision of the court or did you find it unfair?
|
Agre, harmonize, coincide, assent, acquiesce
|
Conflict, resist
|
lethargy
|
v. lack of vitality or energy Use: A complete days work left him in a state of lethargy
|
Stupor, indolence, weariness
|
Get-up-and-go
|
Furtive
|
Adj. stealthy, sneaky, secret and sly or sordid Use:
noticing the furtive glance the customer gave the diamond bracelet
on the counter, the jeweler wondered whether he had a potential
shoplifter in his hands
|
Surreptitious, clandestine
|
open
|
efface
|
v. wipe out or make dim Use: The coin had been handled so many times that its date had been effaced
|
Obliterate, eradicate,
|
Engrave
|
Pretentious
|
Adj. Intended to attract notice and impress others, making unjustified claims, overambitious Use: The other prize winner isn’t wearing her medal.; isn’t it a bit pretentious of you to wear yours?
|
Ostentatious, pompous, conceited
|
Down-to-earth
|
compunction
|
n. a feeling of deep regret (usually of some misdeed) Use: The judge was especially sever in his sentencing as the criminal had shown no compunction for his heinous crime
|
Regret, scruple, qualm, guilt, reluctance, hesitation,
|
|
confiscate
|
Placement Papers - TCS - Verbal - Synonyms 8
ACUMEN
a. exactness b. potential c. shrewdness d. bluntness e. None of these
BEHEST
a. behavior b. hold down c. hold up d. relieve e. condemn
DISCRETION
a. prudence b. consistency c. precipice d. disturbance e. distemper ORDAIN a. arrange b. command c. contribute d. establish e. control FLORID a. ornate b. thriving c. artistic d. elegant e. None of these
PENITENCE
a. liking b. insightful c. attractive d. penetrable e. compunction WHET a. stimulate b. humorous c. inculate d. dampen e. None of these INCENTIVE a. reflex b. amplitude c. inflection d. provocation e. escutcheon LATITUDE a. scope b. segment c. globule d. legislature e. lamentation |
MORTIFY
a. make a cavity b. displease c. humiliate d. relapse e. murder ADAGE a. advice b. proverb c. enlargement d. advantage e. usage TO DISPEL a. to dissipate b. to dissent c. to distort d. to disfigure e. to dissect
ERRATIC
a. unromantic b. free c. popular d. steady e. unknown TO MERIT a. to embrace b. to devote c. to deserve d. to combine e. to display RAPT a. lively b. concealed c. engrossed d. prototype e. None of these TO HEAP a. to pile b. to forbid c. to proceed d. to share e. to stoop CAJOLE a. coax b. motivate c. profound d. mollify e. evade
OVULATE
a. penury b. immunize c. fertilize d. reproduce e. incisions |
ABODE
a. clay b. obstacle c. dwelling d. bind e. to beguile POTENTIAL a. latent b. hysterical c. conventional d. symmetrical e. conscientious EXTRICATE a. terminate b. isolate c. liberate d. simplify e. frustrate DISPARITY a. inequality b. impartiality c. unfairness d. twist e. None of these TO CONFISCATE a. to harass b. to repulse c. to console d. to appropriate e. to congregate
PIOUS
a. historic b. devout c. multiple d. fortunate e. authoritative LETHARGY a. reminiscence b. category c. fallacy d. unanimity e. stupor CARGO a. cabbage b. camel c. lance d. freight e. flax
OVATION
a. oration b. gesture c. emulation d. applause e. nourish |
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