Wednesday, November 16, 2011

Technology to detect early signs of Alzheimer's Disease (AD)

Alzheimer's disease (AD) is the most common form of dementia. Unfortunately there is no cure for the disease and patient's condition will worsens as the disease progresses and will eventually lead to the death of the patient. The disease was first described by German psychiatrist and neuropathologist Alois Alzheimer in 1906 and the disease was named after him. The symptoms of this disease is different for different individuals. But common symptoms include confusion, irritability and aggression, mood swings, trouble with language, and long-term memory loss. As the sufferer declines they often withdraw from family and society. Gradually, bodily functions are lost, ultimately leading to death. Since the symptoms is different for different individuals, it is hard to find out the disease at the early stages. The life expectancy of the disease after diagnosis is seven years. Only less than three percent of the patients survive after fourteen years after diagnosis.

Now there is a new brain scanning technology that helps to identify the disease even before the symptoms completely develop and there is less chance for the misdiagnosis. Now the technology is in the final stage of the clinical trials. If it is found successful then it can be implemented by the end of 2012.Normally definitive conclusion came only after the death of the individual, when the brain samples containing high levels of beta amyloid plaques, the growths that characterise AD, were found.But now a new compound called Flutemetamol, which highlights areas of the brain that are affected by the disease when scanned, is showing hopeful results in clinical studies.The compound is injected into the arm of the patients and those who show symptoms of AD undergo a Positron Emission Tomography (PET) scan.If beta amyloid plaques are present in the brain, Flutemetamol makes them glow red, which confirms the patient has AD. Thus the disease can be identified in the earlier stages and can increase the life span of the patient.

HDFC Bank took over the mantle as the most valued bank in India

Adding more troubles to SBI, HDFC, India's second largest private sector bank has took over the mantle of the largest bank in terms of market capitalization.HDFC Bank's market cap stands at 1.10 lakh crore , which is approximately a percent higher than SBI's Rs 1.09-lakh crore. HDFC bank's total assets are almost one sixth of SBI's asset which is around twelve lakh crore.

The drop in the price of share of SBI has helped HDFC to acquire higher market cap. The negative growth of SBI is due to its exposure to sectors like aviation, infrastructure and power. What has caused more worry is SBI has the largest exposure to Kingfisher Airlines.

Friday, September 16, 2011

RBI to declare the policy rates today

As the inflation is increasing at a higher rate, the Reserve Bank of India will have to take tough stance to tame the inflation. Reserve Bank of India will declare mid quarter policy review today. The Reserve Bank of India has to consider the trade off between inflation and growth. Last time Reserve Bank of India has increased the policy rates ignoring the concerns of the industry. Now once again the Reserve Bank of India is going to over rule the fears of the panic stricken industries. The industries are calling for a relaxation of the policy rates. But Reserve Bank of India is getting ready to compromise the growth for taming the unchecked inflation. But due to the crisis in the Euro zone, Reserve Bank of India may only increase the policy rates only in small doses in order to avoid a crisis in India.

Present policy rates (From RBI's website) are listed below:

Bank Rate                                            :  6.0%
Repo Rate                                            :  8.0%
Reverse Repo Rate                               :  7.0%
Marginal Standing Facility Rate             :  9.0%

 Reserve Ratios:

CRR                           :  6.0%
SLR                            :  24%

Tuesday, September 13, 2011

iBall Launched Slide Tablet for Rs 13995

Even though there are predictions that Indian market is not ready for Tablet PCs, iBall has launched Slide Tablet for just Rs 13995. Most of the Indians who uses tablet PC may be of Samsung Galaxy Tab or iPad. This is not because others are not interested in Tablet PC, but due to the prices are not affordable to ordinary Indians. Samsung Galaxy Tab or iPad is priced around 30000 INR or more which is a huge price for the ordinary Indians. This huge prices enables the common man only to dream about the Tablet PC.
Now the local competitors as well as international competitors are trying their luck in the Indian market. Now iBall, a Mumbai based company has come up with a slide Tablet with an affordable price of 13995 INR. iBall is not a new company. It has been a known brand in the Indian market for their products including mouse, keyboard, USB Dongles, Web Cam etc. There is a chance for the international players to reduce the price of their tablet since the local players are selling tablets for low prices. Lets wait and see who will win the race...

Friday, August 19, 2011

Bharti's Tablet Computer, a Challenger to iPad

While the competition between the global players is peaking up, domestic players started their race in the domestic market in India. India, one of the largest telecom market in the world is facing tough competitions from both global and domestic players. The major companies like Apple, Samsung etc are competing to tap the India's 1.2 billion predicted customers. The market conditions in India are slightly different from the markets in the developed countries. Here the customers look for feature packed durable product at affordable prices. This puts the competitors in the peril.
Now the domestic players started their race by introducing low cost feature packed tablet computer in the market. This is a big blow to the global competitors. Beetel Teletech, the phone - equipment arm of Bharti Enterprises has launched a tablet at just Rs 9999/- ($220). The tablet is 18 cm (7 inch). The tablet is named Magiq tablet. It is packed with 8 GB memory that can be expanded to 16 GB, 3G, WiFi, front and rear 2MP camera. Tablet runs on the Android 2.2 Operating System.
Since Magiq is cheaper than iPad, Galaxy tab and Reliance Communication's Android Tablet, Bharti is hopping to gain a good market share. But there is also opinion among the market watchers that only a small portion of the Indian population can afford this tablet computers and the remaining population even not thinking about the need for the tablet PC. But the silver lining for domestic players is the market share of the domestic players has gone up to 18 percent from less than one percent in 2008.

Anna Hazare in India, Jhangir Ahktar in Pakistan

The anti corruption movement led by Anna Hazare has been dominating the medias not only in India, but also in all over the world. The western media have started giving the news in front page of their publications. Yet another Gandhi to conquer the minds of the whole world. Bravo Anna Hazare...

The corruption occurs not only in India but all over the world. But the magnitude and extend of corruption varies from country to country. In India corruption came to the lime light with the exposing of the 2G scam, Common Wealth Games SCAM, ISRO - Devas multimedia scam, Adarsh scam etc etc....The magnitude of these scam is huge means there is lot of money involved in this scam. What made people angry is poor social spending while corruption and accumulation of wealth in certain sections of the society dominated by politicians. Later the reluctance of the Government to bring back the illegal money in Swiz Bank add fuel to fire.
Even Prime Minister Manmohan Singh admitted that he had to compromise on several occasions to prevent the falling of government and to go for elections on every six months since there is no single party to have majority to run the government. But Anna Hazare didn't care for the government, he cares for his country. This made him a world hero.
Now a business man from Pakistan is also preparing to launch a hunger strike against the corruption and high budget spending for the army in Pakistan. He said that Anna Hazare was not his inspiration. He decided to launch hunger strike even before Hazare starting fast unto death. He has to postpone his strike due to Ramadan. He will start his hunger strike soon after Ramadan. He wanted the Government of Pakistan to make a law against corruption and also to reduce the army spending. He also want the government to increase the spending on social welfare. Present spending is only 2 % of the budget spending. He want to change all this.
But the situation in Pakistan is not like India. The Indian government is against protest, but didn't cause causalities for the protesters. India respects human rights. The venue for Anna Hazare's protest has been well checked by security personal for Anna's Security. The government fears the public. But in Pakistan, the situation is not so. The situation is volatile in Pakistan. The anti-India sentiments is alleviating. People are not safe from terrorism. Even military lacks capability to combat terrorism. The media has restrictions in Pakistan which will prevent the motivation of people at a larger scale. So the chance for the success of the hunger strike by this poor business man is low means it is a distant dream.

Thursday, August 18, 2011

Brain Chips from IBM

Don't you imagine about computers that have the capacity to learn themselves and act according to the situation? The terminator series from Hollywood gives a high level imagination in this respect. The Tamil Movie Enthiran (The Robot) goes even a step further. The scientists around the world have been working very hard to make a system that can learn from the surrounding and can act according to it. Even though there is some stories of Artificial Intelligence with a little success is common, a chip with this capability was a distant dream for many researchers. Now the researchers at IBM has developed a new chip - a 'brain chip'.

The new concept is completely taken from the biological knowledge. Once again the engineers have to depend on the supreme engineer God to make a breakthrough. The new chip has been made by the 'reverse engineering of the brain'. The chip works by its connection as it comes across new information. You may now think - can chip can make new connection by soldering and desoldering its own circuit? Definitely no. The chip will learn the new information and decides which connections are important and which are not. Then it will activate the important one by letting the signals pass through it smoothly, while the usage of less important are reduced. Thus new connections are established and useless ones are made idle.
The new invention has enabled us to think of robots doing house hold jobs without commanding anything to them, computer that searches for the information we require in the internet even without our mentioning.. oh oh the list is so long...It will lead to a revolution; think about operating system protects itself from viruses...

Wednesday, August 17, 2011

Why I support Anna Hazare

Now the real hero in India was the Gandhian and social activist Anna Hazare. His real name is Kisan Baburao Hazare. Now in every media from local news papers to internet, lots of Indians are supporting Anna's movement against corruption. The powerful UPA government is now shaken before the one and only Anna. He was really a hero not just for the movement against corruption, but for bringing a downtrodden village to fore front. The village has now became a model village. We doesn't need to wait for decades to see India became a super power if there were minimum of 25 Anna Hazares across India. The strictness of an army man and Satyagraha of a Gandhian made Anna Hazare a unique leader in India. He is a model not only for Indians, but for all the world.

In the beginning of the movement against corruption, I respected him. But the entry of Baba Ramdev completely blew all the respect for him. However the Government of India corrected their mistake in the later stage and this forced Ramdev to keep away from the anti corruption movement since he lost the support of the majority of the people. Now he must be under the scanner of Income Tax (IT) Department  and Enforcement Department (ED). He must be practicing yoga under a better Guru to get peace from IT and ED now. But yesterday I was surprised to see the protesters not even considering their health try to stop the car carrying Anna to Tihar jail where the corrupted people of the UPA government is jailed. Light and darkness in the same place. Heaven only knows what is the ethics behind this. Today I went through the article in Wikipedia about Anna Hazare. The article greatly influenced me. His action in Ralegan Siddhi made me think why I am so late to stand by the side of Anna and fight for corruption.

 We are ready to get arrested and be beaten up but we have had enough of corruption. We are ready to sacrifice our lives
 - Anna Hazare
So now I support Anna by both mind and soul to fight against corruption. I admire Manmohan Singh for his reforms that made India a global player. But I hate a Prime Minister who keeps silence against corruption. I love UPA government, but I love my country more... JAI HIND.

Tuesday, August 16, 2011

S&P Maintained India's Sovereign Debt Rating Of BBB

Standard and Poor recently lowered the sovereign rating of USA to AA+ from AAA. This has impacted in the world wide markets. All major Stock Exchanges including that of the Asian countries like India have been affected. The President Obama tried to defend his country against the lowering of the rating by S&P. But it has created little effect on the investors.
In India, the government and economic think tanks are trying very hard to tame inflation. But the inflation rate is nearing the double digit at a rapid pace. The Reserve Bank has tightened the policy rate beyond the normal limits to tame inflation. Unfortunately it may have negative impact on the Indian economy since the industrial sector may be affected. We Indians can however be optimistic that the measures by the Reserve Bank may bear fruit.
There is a silver lining for Indians from the part of S&P. They have maintained the sovereign debt rating of India at BBB. The rating means that the economy is stable. But they indicated that the rating may go down in the long run if the government fails to stimulate its economy.
We Indians are somewhat safe though loose fiscal policy and the government's inability to carry forward economic reforms could have implications in the medium term. India has been struggling to deal with inflation, which is nearing the double-digit mark. Headline inflation stood at 9.44 per cent in June, while food inflation was 9.90 per cent for the week ended July 30. On the fiscal side, rising prices of crude oil and high food and fertilizer subsidies, coupled with the inability of the government to raise Rs 40,000 crore from the divestment of equity in public sector companies during 2010-11, could create problems.  However the agency maintained that future government initiatives to significantly reduce subsidies for fertilizers, foods and fuels would be a positive factor in improving the expenditure structure of the budget and reducing the negative influence of potential external shocks on India's fiscal position

Monday, August 15, 2011

Internet Access In Emerging India

Today the whole India is celebrating the independence day. To be an Indian we are very proud for achieving a tremendous growth in a short period after getting freedom from British rule. The ISRO, DRDO etc are some of the institutions in the front line that we can be proud of. It was during the 2008 global recession, India came to the limelight for its strong economic policies. The whole world is focused on India since it is the future global power.
But inside, the things are not so glamorous. There are lots of  food grains rotting while millions of its own citizens are starving. Lots of corruption, black money, tax evasion even by celebrities and so on. The list is too large. If you read Aravind Adiga's White Tiger, you will get a some what picture of what is happening in rural India.
I write this article after reading an article : India hungry for everyday Internet access. The article deals with the poor internet penetration in rural India while lots has to use it.

The above article says about a typical Indian youth, Srishti Sharma, 18,who has to face hurdles in accessing the internet. But I also have a story of my own. Read this:

I had my college education in College of Engineering Attingal. During my college studies, I want an internet connection. I am living in rural area. At that time the only service provider who gives internet connection to the rural area was BSNL. So I decided to take a BSNL broadband connection. So I went to the nearest telecom exchange at Chenkal. One of the staff who must be Junior Telecom Officer(JTO) told me that broadband connection is given only when there is a minimum of 12 applicants. So I inquired in my locality about the number of people who may take internet connection. But to my surprise,  all those who have PC is willing to take internet connection, but they are not willing to go through any hurdles in getting an internet connection. You may wonder what is the hurdle behind this. You will see.
I have however collected 6 people who were willing to take internet connection at any cost. But for our purpose we require 6 more. So I asked JTO for other options. He told me that there is also a high speed internet service which is unlimited and you have to pay only 250 rupees per month. The terms - High speed, Unlimited, Rs 250 changed my mind instantly. So I wrote an application and gave it to him with in a shart duration. But he rejected it saying that the application must be given to Neyyatinkara Telecom exchange and not in Chenkal exchange. So I set out to Neyyatinkara and meet the staff there and gave the application. He gave me a form and asked me to fill and enclose a DD of Rs 500/- from nationalized bank. See the hurdles.
I did what he told me. He gave me a print out and told me to hand over the photocopy of the printout to the Chenkal exchange. I did so and I got the connection. The speed of the connection is pathetic. Only two days a month, the speed will rise above 10 Kbps. At other time well below 5 Kbps. (Remember - high speed - unlimited - Rs 350 per month). These were not the only hurdles. Then comes the billing trouble(I am not describing it here because they promised me that there will be no manual faults from them and they are keeping it).
But today, if I am in such a situation, I just go to the nearest shop where we can take the mobile SIM, and an amount nearly Rs 2000 and will get a 3G module by IDEA company which is portable and pan India but will have to pay roaming charges if goes out of state, but faster than broadband and a monthly charge of Rs 110/-. While private firms are offering hurdle free service than state sponsored one, why should I not opt for private service?

Android Vulnerable To Attack

Today’s hero in the mobile phone operating system is Google’s Android. Today the world is seeing a huge demand for the Android powered smart phones and tabs than other products. Even Apple fears the popularity of Android. The Samsung which started using Android for its smart phone models Galaxy and for the tab even crossed estimated sales within a short period after the launch.
Android is a Open Source Operating System for mobiles designed and developed by Google. It is packed with lots of features and enhanced security features that many of the people who bought products running on Android are satisfied. But the reality seems to be different. The new findings shows that there are many fays in which hackers can exploit the vulnerable points of the Android Operating System. The researchers Riley Hassell and Shane Macaulay found out more than a dozen of the applications that are commonly used that can make phones vulnerable to attack. Some apps expose themselves to outside contact. If these apps are vulnerable, then an attacker can remotely compromise that app and potentially the phone using something as simple as a text message.
However the researchers didn’t disclose more details in the public domain since it may gave a chance for the hackers to start a series of attacks on the android phone users.

Fake Apple Stores in China

As you know China is famous for its cheap products. There is no other country in the world who can manufacture and sell products this much cheaper. The Chinese duplicate low cost products is affecting the markets world wide. But here the story is different.
Apple Logo
Blogger Labels: , , ,
In China they are selling the genuine Apple products, but smuggled from the west without paying taxes. The sales is carried out by shops which are not the authorized to sell Apple products. After a blog post by an American living in China, the Chinese authorities searched 300 stores and found out several fake stores. Chinese authorities have also ordered fake shops to shut down immediately.
Authorities in China’s southwestern city of Kunming have identified another 22 unauthorized Apple retailers weeks after a fake of the company’s store in the city sparked an international storm. - Reuters
United States and other western countries have accused China for not protecting the Intellectual Property Rights of the companies. This is the seventh time that China is listed in the US Trade Representative’s office as the one of the country with worst records in preventing copy right theft.

Friday, August 12, 2011

Software to beat Web censors

You may have experienced the problem of Web censorship that prevent you from visiting particular sites. For example in China, the censorship is so strict that you are even not able to access certain high definition Youtube videos. Most of the muslim dominated nations and some other nations censors websites with pornographic contents. In India, viewing pornographic materials is not a crime. But exhibiting pornographic material is a serious crime.
China is famous for having strict internet filters that prevent the Chinese citizens from visiting restricted sites. Some countries even block social networking sites on the grounds of social and religious sentiments.
Now a team of scientists have developed a software that could enable the citizens from the countries like China having strict internet filters to visit the website they want. The software is named Telex. This software hides data from banned websites inside traffic from sites deemed safe. It draws on well-known encryption techniques to conceal data making it hard to decipher. So far, Telex is only a prototype but in tests it has been able to defeat Chinese web filters.
Most of the anti-censorship programs works by connecting to a server outside the nation where the user lives. But this software operates within the network or the server in the nation where the user lives.
Now the censoring authorities have to design and develop new technology to block the unwanted websites.

Thursday, August 11, 2011

Blackberry Bold 9900 launched in India

Blackberry has launched first mobile phone that runs on the latest Blackberry OS under Bold series. Blackberry Bold 9900 is equipped with a outstanding hardware configuration 1.2 GHz processor, RIM's proprietary Liquid Graphics display, 8GB on-board memory and dedicated media keys. This is the thinnest Blackberry phone ever released.With an elegantly brushed stainless steel frame, sculpted surfaces and advanced composite backing, the BlackBerry Bold 9900is lightweight and durable and it is packed with lots of features.
Blackberry Bold 9900 was launched in India today. Blackberry Bold 9900 comes with a price tag of Rs 31290/- .

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Monday, August 8, 2011

BSNL launches VVoIP service in India

The state run Telecom company BSNL has launched yet another ground breaking service in India after Voice over Internet Protocol (VoIP). The new service is Voice and Video over Internet Protocol (VVoIP).

Using this service BSNL customers can make audio and video calls at their will using land phone or mobile or Internet Protocol phone anywhere in the world, provided both ends must have video phones.
BSNL has partnered with Sai Infosystem (SiS) to make this a reality. The service was initially available in Ahmedabad. But by the end of this month, the service will be available in entire Gujarat. By the end of March 2012, whole India will be under the coverage. According to BSNL, the new service will be more economical than the conventional services. BSNL is working with major international carriers to ensure trouble free service.
The customers will be charged 40 paise per minute for audio and Rs 2 per minute for video calls within the country using VVoIP. The international tariff is also low. The VVoIP service can be made available with a monthly rental of just Rs 150.

Friday, July 29, 2011

Trojan asteroid leads earth in its orbit around the Sun

One of the headlines of the newspaper is about an asteroid who is sharing the same orbit as that of our own planet earth. But we are aware of the trojan asteroids of other planets like Mars, Jupiter and Neptune. The moons of Saturn have most known trojan satellites. The moons of Saturn have most known trojan satellites. Saturn's moons Tethys and Dione has two moons each.Ok we are aware of the new trojan asteroid, do you know what a trojan asteroid is?

Thursday, July 28, 2011

How to apply for distant education at Kerala University

I am planning to do BA Economics at Kerala University. So today I went to Karyavattom to apply for the distant education. It is very difficult for one who go there for the first time to pass through the official formalities. The lady staff at the information center will talk a little since each of her words cost millions of dollars. Dont worry guys, I will tell you each and every step for applying for distant education.

Wednesday, July 27, 2011

RBI hikes rates again

image courtesy:

In a tough stance by RBI to regulate inflation, has raised repo rate and reverse repo rates (Short term lending and borrowing rates) by 50 bps for the third time in three months. This will lead to the increase in the interest rates of the home and car loans provided by other banks.

Wednesday, July 6, 2011

Common Bank Test in September 2011

Date:Online application registration: July 9 - August 1 ,2011
Common written test: September 18, 2011       

After a long wait, the notification for first common bank exam has come. The exam is conducting for the post of  Probationary Officer(PO)/ Management Trainee (MT).

Participating 19 public sector banks: Allahabad Bank,Andhra Bank, Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Central Bank of India, Corporation Bank, Dena bank, Indian Bank, Indian Overseas Bank, Oriental Bank of Commerce, Punjab National Bank, Punjab & Sind Bank, Syndicate Bank, Union Bank of India, United Bank of India, UCO Bank & Vijaya Bank.


Age Criteria :  Minimum 20 years and Maximum 30 years as on 01/07/2011. Relaxations : 5 years for SC/ST/, 3 years for OBC, 10 years for Persons with Disabilities and 5 years for Ex-Servicemen.

Education Qualification : A degree in any discipline from a recognized University or any equivalent qualification recognized as such by the Central Government. 

Total  : 250 Question & 250 Marks Papers
Duration : 150 Minutes for Reasoning, English Language, General Awareness, Computer Knowledge And 60 Minutes for Descriptive Paper on English
  1. Reasoning : 50 Questions Max. 50 marks
  2. English Language : 50 Questions Max. 25 marks
  3. Quantitative Aptitude : 50 Question Max. 50 marks
  4. General Awareness : 50 Questions Max. 50 marks
  5. Computer Knowledge : 50 Questions Max. 50 marks
  6. Descriptive Paper on English: Max.25 marks

Fee of Rs.50 (SC/ST) or Rs.450 (others) for common test have to be paid online (credit/ debit cards) or through NEFT payment at any branch of banks mentioned above before July 30. After obtaining payment receipt, applicants can submit their application online at for which you would receive a registration number & password in email/SMS. It is necessary to upload your signature & photo along with the online application

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Common Bank Test - Details of IBPS notification

The notification common test for recruitment into public sector banks has finally arrived. The national level exams will be conducted by Institute of Banking Personnel Selection (IBPS). The candidates who qualify the exam will be awarded with scores according to his/her performance in the exam for which scores would be awarded.
I think that everyone may be heard of the Common Bank Test, that is to be implemented from the month of June 2011. Earlier one has to apply for every bank by paying application fees for every bank. The exams are conducted by IBPS and the remaining recruitment process is conducted by CENTRAL RECRUITMENT & PROMOTION DEPARTMENT CRPD. Most of the banks call the short listed candidates only once. Some candidates may be shortlisted in clerical and PO in the same bank or other banks. Such candidates join in one bank for higher post and abandon the other. This results in the backlog vacancies that has to be filled in the next recruitment. This system keeps the financially backward people from applying for the bank exam. 
In the new system, IBPS will conduct Common Bank Test nation wide.The candidates who took the exam will be given a score card according to his performance in the Common Bank Test. The validity of the score card is one year. The banks which have vacancies will notify eligibility criteria (age,qualification,test score etc) and candidates who satisfy the eligibility criteria can apply for that bank. The exam will be conducted two times a year.
SBI and associate banks would not participate in this system of recruitment. They will conduct their own exam. There are 19 public sector banks that will recruit from this common bank test. They are - 
Allahabad Bank,Andhra Bank, Bank of Baroda, Bank of India, Bank of Maharashtra, Canara Bank, Central Bank of India, Corporation Bank, Dena bank, Indian Bank, Indian Overseas Bank, Oriental Bank of Commerce, Punjab National Bank, Punjab & Sind Bank, Syndicate Bank, Union Bank of India, United Bank of India, UCO Bank & Vijaya Bank.
As IBPS is responsible for conducting exams - it will notify each time, about i) Eligibility conditions ii) Application fees iii) Exam date & pattern iv) Call letters. Hereafter, scorecard issued after writing the common test is necessary to apply for any public sector bank jobs.

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Friday, June 24, 2011

SBI Recruitment: How to file RTI

Now the test is over and I think that the interview process is also over. Now everyone wants to know the marks. SBI has declared that it will not publish the marks until July 15. SBI may or may not publish the marks in the website. But we can get our marks through Right to Information (RTI). Here I am giving the details for applying for RTI. Applying RTI is simple. Just prepare an application in the format given below and take a postal order of Rs 10/- from the post office that is payable at Mumbai. Put both the application and the postal order in a envolope and sent (preferably by speed post as you will get proof of sending the application) the application in the address given below:

The Dy. General Manager - Promotion
(Central Recruitment &Promotion Department )
State Bank of India
Tulsiani Chambers, 1st Floor, West Wing,
212, Free Press Journal Marg,
Nariman Point,
Mumbai – 400 021

Wednesday, June 22, 2011

SBI interview Questions - Questions to my friend (Part - 2)

Now it is nearing the end of the selection process for the clerks for Associate Banks of State Bank of India. Some of my friends who attend the interview on 20,21 and 22 at Thiruvananthapuram told me the questions asked to them. I have given them here for you.
  • Self introduction
  • Personal Questions
  • Recession and how it affected the banks.
  • Why do recession affects foreign banks than Indian banks?
  • What are the causes of bankruptcy during recession? 
  • What type of constitution is Indian constitution - Union or federal?  (IAS aspirant)
  • Names of the counties having federal constitution?   (IAS aspirant)
  • Questions about parliamentary and presidential government   (IAS aspirant)
  • What is e banking?
  • What is core banking?
  • Why do you choose banking after B tech?
  •  Which is the World's most costly car? (hobby : pictures of automobile collection)
  • Why is technology important for banking?
  • What are the technologies used in banking?
  • What is fuse and breakers? (electronics engineering candidate)
  • What have you been doing for the past two year? (For candidates who are not doing academic or job related activities)
  • About RBI regulation of banking
  • Different types of bank account and their interest rate with respect to SBI 

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Friday, June 17, 2011

SBI interview Questions - Questions to my friend (Part - 1)

You may have read my experience of attending the SBI interview at Some of my friends also attend the interview on the same day. This time, interview at three panel was tough. This is because the interview board is checking what the candidate does not know instead of what the candidate knows. Two of the interviewers in my interview panel was asking questions as they were to choose a astronaut for next NASA's flight to Mars. One of them even brought a hand written encyclopedia from which he asked questions to the candidates who came as a bait in front of him. Is SBI is looking for a clerk or scientist in the field of electronics or bio technology or computer engineering or so on.

Questions to my friends:
  • What are the main industries in Kerala - They expect the Technopark as answer
  • What is Self Help Group?
  • personal questions
Another friend who was a BTechian in Biotechnology got questions:
  • Technology used in industry - he will mention a factory and the asks the technology used there
  • about tissue culture
  • BT Cotton - must know everything

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Thursday, June 16, 2011

SBI Interview Questions - Questions asked to me

My interview for SBI Associate Banks Clerical Staff was on 15 June 2011. I have put my previous experience in SBI clerical interview which held on 29 April 2010 at But this time the experience was different. Let me describe the whole experience for you....

My interview was scheduled  in the 8.30 AM at Classic Avenue Hotel, Thiruvananthapuram. I reached the venue around 8.10 AM by bus. All the candidates who arrived at the venue have already been placed in the candidates waiting room inside the hotel. Since this is the second time I am attending the interview, I am familiar with the rooms where interview is taking place. Candidates waiting room is in the third floor. I entered the waiting room and found a seat at the back end of the room and sit there. The front seats were already conquered by female candidates and their parents. So gents have to be seated behind them. Soon I found some of my college and classmates and entered into conversation about the questions that may be asked for the interview.

Verification Process
The certificate verification has already started. There are six panels. There will be two staffs in each panel for certificate verification. The certificates of two candidates will be verified at a time in a panel. Thus twelve candidates will be called for verification at a time. During verification every details in the certificate is thoroughly verified. The candidates who does not bring the required documents were allowed to appear the interview after getting a declaration signed from them. The verification process in the panel 2 was very fast when compared with that of the other panels. After verification, the candidates will be given a sticker with a label 'SBT interview PANEL NO: 6' is printed and the candidate has to be place this sticker in his shirt. My certificate verification completed at around 10.15 AM. Then the candidates are allowed to sit in the waiting room.

The above is a photo showing the candidates waiting for their turn in the candidate's waiting hall


After verification process is finished, I thought that I will be called for interview within an hour. But I was called for interview at 12.00 noon. I and a girl who was before my chance for interview was made to sit in front of the interview room. Each candidate was given a badge containing logo of SBI and the panel number. The interview room was in the 4th floor. The interview is taking place in 6 panels in six individual rooms in the same floor. After one candidate leave the interview room, next candidate has to wait about 5 minutes before entering the interview room. When I entered the room, I saw three interviews instead of the usual number of four. One of the interviewer was a lady as usual. I wished them and they told me take my seat. One of the interviewer who must be the head of the panel is holding a file containing a papers which is written in hand. He goes through these papers and select a question from it and throw it towards me. All the question he asked were from computer science. I gave them answers to most of the questions. But the answer was not even satisfactory to me. They told me that you are an engineering graduate, but you are answering in a layman's language. It was an unexpected situation. All my dreams started collapsing. The next interviewer also asked me questions related to technology. Only the lady has asked me questions from bio-data. Since my father was gold up-riser in bank, she asked questions from that field. I have put out a blunder and they all laughed. After the interview they told me to go. I thanked them and came out of the interview room. I warned the next candidate about the technical questions before leaving the venue.
After interview I returned to the waiting room and took leave of my friends and returned home. If my assumption is right, my marks for interview lies between 25 and 30. The God almighty has written the script and is directing the story. I am doing my character. I God wants, He may introduce turning point in the story by giving me this job - who knows?

Questions asked to me include:

  • introduce yourself
  • tell something about SBI
  • nano technology
  • artificial intelligence
  • a language used in artificial intelligence
  • bio degradable - process
  • What is SAP - I could not answer
  • What is ASCII
  • How to test the purity of gold?
  • What is the name of the stone used for testing the purity of gold?
  • What is the other method used for testing the ornament for spurious (fake) gold?
  • How did your father reacted to the incident of the spurious gold?
A Himalayan Blunder I committed

The lady in the interview board asked me "What is the method for finding the fake gold instead of rubbing the ornament with a stone?" 
I answered "Dip the ornament in Aqua-Regina (a liquid in which gold dissolves) liquid."
One of the other interviewers asked me " Will you dip it in front of the customers?"
All the interviewers laughed. I was shocked - what a huge blunder I had committed?
I changed my answer by saying " Sorry sir, I was mistaken. It was by applying sulfuric acid to the ornament"
They smiled and gave me the indication that the interview was over. 

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Tuesday, June 14, 2011

SBI Interview Questions

SBI Associate Banks Clerical Recruitment Interview began 13th June. One of my friend attended the interview in the morning batch at Thiruvananthapuram Classic Avenue Hotel. I have gathered most of the questions asked to him and is given below.

  1. Self introduction.
  2. About my branch and told me to give a small description production engineering.
  3. How the technolgy devolopment wil help the bank and customer?
  4. About my hobby.
  5. In your view what a banker should possess?
  6. How many branches of SBT are in Kerala?
  7. What is CORE banking, how it wil help the customer?
  8. About the software that i learned.
  9. Why don't you go for a mechanical job?
  10. Will you go to northern states if you are posted?
  11. When are you gong to submit the thesis?

Hints to the selected questions:

3. Technology in banking

  • Banking operations made faster and safer.
  • Customers can withdraw or deposit money at any time through ATM
  • CORE banking allows the customers to avail bank's services from any branch of the bank around the world.
  • Make banking transaction through the computers or even from mobiles.
  • Reduce paper work and cost effective.
  • Reduce staff dependence.
  • Reduce the rush in the banks.
5. Qualities of a banker
  • Dedication
  • Determination
  • Confidence
  • Patience
  • Punctuality
  • Interactive
  • Friendly
6.  Number of SBT branches in Kerala
  • around 700
7. CORE Banking.
  • CORE stands for Centralized Online Real-Time Exchange.
  • It is a technology in which all the branches of a bank are interconnected to form a network so that a customer can avail bank's service from any of its branches around the world. It is mainly used for deposit and withdrawal of money in the customer's account.

The remaining questions are personal questions and you can answer the questions yourself.

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Sunday, June 12, 2011

SBI Interview : Hobbies

Hobbies are one of the interview questions that have a chance for asking. Hobbies are asked as personal question. The question on hobbies are a chance to gain more marks during interview. In early days the common hobbies include reading, gardening,stamp collection, coin collection etc. But now we say modern hobbies like chatting, browsing, blogging etc. Normally the answer - 'I have no hobbies; I have only pass time.' is not generally used, because this may create the impression that the candidate is a lazy guy. So mention a few hobbies. Try to say modern hobbies and a traditional hobby. By the term modern hobby, I mean hobbies like chatting, blogging, browsing, data mining, Instant messaging etc. By traditional hobbies I mean gardening, travelling, collection of stamp,coins, currencies etc. I will give you a few hobbies and expected questions about that hobby.

1. Browsing

  • Which is your favorite website?
  • Why do you like that website?
  • Who is the founder of that website?
  • What is the purpose/content of that website?

2. Blogging

  • What do you meant by blogging?
  • Who is the service provider of your blog?
  • In which domain you are hosting your blog?
  • Is it a free domain or paid domain?
  • Which is the company that owns blogspot?
  • Name some websites the hosts blogging?
  • What is the theme of your blog?
  • What is the main content of your blog?
  • How frequent do you post in your blog?
3. Books

  • Which is your favorite book?
  • What is the theme of the book?
  • What type of book is it?
  • Which is the last book you have read?
  • Please say something about the favorite/last read book.
Please check out the authors of the famous books and the authors who won Nobel prize and Man Booker Prize last year. Also the Books by Indians honored internationally has to be learnt.

4.Watching Movies

  • Which is your favorite movie?
  • Who is the main actor/actress?
  • Who is the stooge?
  • What type of movie is it?
  • Why did you like that movie?
  • Who is the director/producer of the movie?
  • Can you narrate the story in a few words?
Also note the latest winners of the Oscar awards.

The above given is only common hobbies. After reading these questions you were able to estimate what type of questions will be asked to you based on your hobby. So prepare for that and attend the interview with confidence. 

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Thursday, June 9, 2011

SBI interview Questions - Personal Questions

The interview for the clerical post for the associate banks of State Bank of India will commence on 13th June 2011. The persons attending interview from 14th onward may get an idea about the questions asked in the interview and the style of interview from their friends who attended the interview on 13th. My interview schedule is on 15th of this month. So I can collect the details of the interview from my friends who attend the interview on 13 th and 14th. I will publish the details I will get from my friends in this blog. So keep visiting this blog for the latest updates.
It is the recent trend in SBI to ask the personal questions. However they get a clear picture of your personality from your answers. Answer the questions frankly. Don't try to lie unless the truth may harm you. They like honest candidates. Believe me, its my experience. While the interview is nearing the completion, we can get an approximate idea of our marks in interview. Can you guess how is it? Simple, during interview if we became one among them or if one of them answer a question for you when an interviewer throws a question towards you or asks anything about our attitude after getting the job, we can make sure that our marks lies between 30 and 35. If you are facing a repulsion from the interviewers, you are in trouble - you score below 30 marks but not go too below.

Now let us discuss some of the personal questions they may ask:

Self Introduction:

'Introduce Yourself' may be the first question that came to our mind when we think about the personal questions that may asked during the interview. But it has less importance in SBI interview because your bio-data is already given to each of the interviewer before you enter the interview room. So there is no relevance for that question. However we must not take chance! So we have to make a small preparation to meet this question. Self introduction must have certain details. Every words that fall from your lips must be with utmost care since each details may serve you a question. They are given below.

  • Name
  • Place
  • Qualification
  • Age
  • Family Details (Name and occupation of father and mother, name and present status of other members if any.)
  • Hobbies
  • My Ambition (express your will to get the job in SBI)


The interviewers can know your hobbies from your bio-data that you have submitted. So we cant expect a question 'what is your hobby?' from the interviewers. You must thoroughly know to explain about your hobbies. If reading is your hobby, then you must know some of the famous books and their authors. Also you must know the recent winners of the Booker Prize and Nobel Prize.


Normally you may expect a question on whether you like your graduation subject or not. Say frankly whether you like or not, but do not give a totally negative answer. The almost sure question is 'Being a graduate why don't you opt for PO instead of Bank Clerk?' Another question mainly for professional graduate candidates is 'Being a professional graduate, why don't you opt for a better job in private sector?'


Last year the question - 'Say about your place' was thrown to candidates in order to trap them. All my friends who got this question scored less than 30 marks in the interview. If you get such a question, don't worry, just take it as a challenge - do not forget to prepare the answer before you set out for the interview. You may get the details from Wikipedia.

Strengths and weakness

The questions related to strengths and weakness are not usually asked. But don't ignore it completely. While mentioning weakness, try to say positive weakness like friends or family. Also prepare an answer for the question - 'How will you overcome your weakness?'

Role Model

This question can be expected. You must answer sincerely. You may mention your father or mother or leaders like Gandhiji, Manmohan Singh etc. Provided you must know the person well.

Favorite Book/Film/Novel/Drama etc

You may surely expect question from this session. You does not require deep knowledge in this category, but must know something and must have an opinion of your self - 'why I like this'.


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SBI may declare the interview results soon

Yesterday on the Opportunities supplement of the The Hindu News Paper, there was a notice by CRPD saying that the call letter for the interview of the candidates for clerical post and the bio-data cum attestation form has already been dispatched to the selected candidates. Also there is provision for downloading the call letter and the bio-data cum attestation form from

SBI also mentioned that any inquiry regarding the marks will not be entertained until the mid July. This gives the meaning that the final result may be out in the month of July

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SBI Interview Questions - Questions asked to me

SBI interview questions are mainly from your bio-data(personal), Current affairs including banking and from your academic(degree) subjects. Below given is the some of the personal questions asked to me during my last interview on SBI.


  1. After completing B Tech, why do you come for a bank job instead of a IT job where you will get better payment?
  2. Being a graduate, why don't you go for PO instead of clerical post?
  3. Being a professional graduate, you will have some unique qualities that other graduates do not posses. What are they?
  4.  Do you like the subject electronics?
  5. You told me that you have rejected the private jobs that you have got. What is the reason for rejection of the job?
  6. After completing B Tech, what have you been doing these days?
  7. Do you learned any computer courses or any such things?
  8. Your hobbies are blogging and browsing, what is blogging?
  9. Which is your favorite website?
  10. Your are 22 years old. Do you know how many years of service you have if you get this job?
  11. Who is your favorite actor and actress?

  1. What is GSM?
  2. What is GPRS?

Current Affairs

  1. Who is our foreign secretary?
  2. Who is our lok sabha speaker?
  3. Which is the highest building in the world?
  4. What do you know about twitter?

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Tuesday, June 7, 2011

SBI interview tips

So friends, we have passed the SBI written exam. That means we have passed the first phase. Then comes the second phase which is the only thing left before us and the job, that is the interview phase. Ok, I am writting this post on the basis of my previous experience in interviews. Many of the candidates are worried about the interview. But I say, you have no need to worry. Just attend the interview as usual. Remember the incident of first interview narrated by Abdul Kalam in his autobiography - 'Best results come from the relaxed mind'. So be cool during the interview. Here are certain tips for you to prepare for the interview.

  • Reach the venue in time.
  • Maintain proper dress code.
  • Use only deodrant and not perfumes.
  • Be sure you have all the required documents for attending the interview. If you forget anything, you may be allowed to attend the interview, but there is a chance for reducing marks.
  • Be carefull while entering the interview room, the door is gently shut without making noise.
  • A lady will be there in the interview panal. When you enter the room first wish her then wish others. For eg. Good morning madam and sirs.
  • Try to maintain a pleasant and fresh face.
  • Be careful about your body language.
  • Dont be oversmart during the interview, it will create a bad impression in the minds of the interviewers. 
  • Be frank and dont try to pretend against your true personality. 
  • Do not forget to maintain eye contact with the interviewers. 
  • Try to give equal regardness to all the interviewers. 
  • Only give descriptive answers if the question by the interviewer demands it.
  • Give answers in your own sentence, not the sentence you learnt from books or coaching centers.
  • Most of the questions are related to personal. So prepare for the questions relating to hobbies, strengths, weakness etc.
  • If you are asked to describe about your place, there may be a hidden trap in the question. So know your place well.
  • Do not leave the interview room until the interviewer informs you that the interview is over.
  • Say thanks to the interviewers after the interview.
  • Do not look back while you are exiting from the interview room.
  • Gently shut the door while exiting from the interview room.

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Monday, June 6, 2011

SBI Interview

After the declaration of the result of the SBI Associate Banks Clerical Exam, every candidate who have passed the exam is eagerly looking for interview. I think most of the candidates have got their call letters through mail. The candidates who are appearing for the interview for the first time may have lot of tension in mind. Don’t worry, you may check my experience in the previous interview at:
Now let me give you details about the previous SBI interview for the written test held in November 2009. 34,29,375 candidates applied for the written exam. Of them 88,383 candidates were called for the interview. Only 25,327 candidates were selected finally after the interview process. I got these details from SBI through RTI ( Ref No. R- 1362).

The details of the marks published by SBI are also shown. The below given details are with respect to Kerala circle.

Last year the competition was tough. SBI had to conduct exam on three days with six set of question paper. But this time the competition was reduced to nearly one third while the number of vaccancy remains almost same. This shows that this time less number of candidates will be rejected compared to last year.
this time, according to my calculation,
Expected No of candidates called for SBT interview Kerala:

 General         = 1401
 Reservation   = 1435 
 Total             = 2836 
Vacancy       = 754 
 Rejection      = 2082

I think, now you have got a vague image of the recruitment process. Next time I will put posts relating to interview preparation and questions.


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Monday, May 16, 2011

Endosulfan : A brief report.

One of the hot topics in today's debates is the 'Ban on Endosulfan'. In a developing country like India where endosulfan tragedy occured in Kerala, even common people are seriously discussing the effects of this killer pesticide. The usage of this colourless solid agrochemical may lead us to illness and then to severe crisis.
Endosulfan is mainly used for the elimination of insects. Endosulfan will badly affect the nerve system of the insects and mammals including humans. In Kerala, it is mainly used in cashew plantations. By 2011, more than 80 countries have banned endosulfan including some countries that declared its complete phase out. The world's most populous countries China and India are still using endosulfan in large quantities.
Endosulfan is one of the cheapest and toxic fertilizer easily available in the market. In 1980, about 9000 tonnes of endosulfan was produced annually. By 1980-89 it increases to 10500 tonnes per year. By 1990s it again increased to 12800 tonnes per year. India is the largest user of endosulfan in the world with three major producing companies - Excel CropCare, Hindusthan Insecticides Limited, Coromandel Fertilizers. India produces 4500 tonnes annually for the domestic use and 4000 tonnes for export.

In humans endosulfan mainly affects the endocrine glands thus by affecting sexual growth and physical development. Small doses of endosulfan through food for long tern may cause health problems. Loss of bodily control, difficulty in breathing, nausea, vomiting, diarrhea and in severe cases unconsciousness are the symptoms of endosulfan poisoning. In a study conducted in Kasargode district in Kerala(India), it was found that endosulfan affects the production of testosterone hormone which causes delayed sexual maturity in male children. Woman had to undergo several abortions in order to avoid giving birth to handicapped children.
The endosulfan splits in to endosulfan sulfate and endosulfan diol. These two have almost same properties as that of the endosulfan and takes 9 months to 6 years to degrade. Endosulfan can spread to distant areas through air and water.
The above said are the reasons that are commonly put forward by the authorities who want to ban this killer pesticide endosulfan. Now let us look in to the argument put forward by the supporters of endosulfan. There are rules and guidelines regarding the the use of every pesticide put forward by the government as well as the manufacturer. These rules must be strictly followed while using these pesticide in order to avoid toxic effects to the humans as well as to the environment. The violation of these rules and guidelines resulted in the tragedy in Kasargode district. For example, while spraying endosulfan using helicopter, the helicopter must be just above the canopy level of the plantation. Due to the passage of electric lines just above the canopy level, the helicopter sprayed endosulfan a few meters above the canopy level. This caused the endosulfan to spread to the nearby areas. More over there are water bodies which serves as the source of water for the majority of the villagers get polluted. The plantation workers were unaware of the effects caused by the endosulfan and the were not provided protective masks. This phenomenon continued to about ten years. The authorities also didn't make a public announcement before the application of the endosulfan. This causes more villagers to get exposed to endosulfan. One more argument in support for the endosulfan is that it is one of the cheapest pesticide that is available easily in the market and consumption of small quantities of endosulfan through food for short duration do not have any health risks(not proved).
After the Bhopal tragedy, endosulfan tragedy remains in second place in magnitude. In 2001, then Kerala Chief Minister, A K Antony banned endosulfan in Kerala State. Karnataka and Madya Pradesh states in India have already called for the ban on endosulfan. The Stockholm Convention on 29 April 2011 imposed ban on endosulfan. The ban will come to effect from the mid 2012. Some uses are exempted from the ban for next five years. The Supreme Court of India recently imposed a temporary ban on endosulfan.

Thursday, May 12, 2011

New Law For Internet Cafes

Today morning, sipping hot tea and glancing through The Hindu news paper, my eyes got struck on a news headline in the last page - 'New IT rules may make cyber cafe's out of bounds for users'. The news attracted my attention because a new cybercafe was established recently near my house by some of my friends. Even though it was not a top class internet cafe, they have invested a large amount with respect to their potential.
The new law enforces the owners of the cybercafe to store even the minute details regarding the identity of the customers. This is a very difficult task since it consumes more money. Most of the cybercafes are run by people who have moderate income and moderate knowledge in computer handling. If new law is enacted in letter and spirit it will put the owners of cybercafes in to trouble.
We cant blame the government for forming such strict laws in the light of the recent events relating to terrorism. The customers can misuse the internet cafes to sent a false alarm to the government authorities or to threaten a VIP or such etc activities.

According to the new rule, the cybercafe customers are required to furnish proper identification proof, a copy of which may be stored for a year. Acceptable identity cards include those issued by any college or schools, or photo credit cards, passports ,voter identity card,PAN cards, driving licenses or any card issued by the government agencies including UID number. School children who do not have a photo ID card will not allowed entry unless accompanied by an adult having proper identification proof. Additionally, the cybercafe owners must photograph their customers and maintain a detailed time log of each of their visits. A soft and hard copy of these usage logs, which will include customer's photograph and ID proof, must be submitted to a government designated person or authority every month. The cybercafe owner shall be responsible for keeping the backups of following log records for each login to its computer resource for atleast one year, for atleast one year.
According to the Information Technology Act,2008, the furniture in cybercafe must be cubicles with partitions having height not more than four and half feet. The terminals must be placed in such a way that the display of the computers face outwards and can be easily monitored. The computers in cybercafes must be equipped with commercially available safety or filtering software to avoid the customers accessing pornographic websites. A board displaying prohibition of viewing pornography must be placed in a location in the cybercafe easily seen by all customers.
The law affects the cybercafes in the city centers than that in the rural areas. The storage of the customer details both in soft and hard forms will require cost which the cybercafe owners have to spend from their pocket or levied from the customers. However the law discourages the cybercafe customers from using cybercafes. The only hope for the cybercafe owners is that only an officer of the registration agency can inspect the enforcement of this law in cybercafes and not the police. There is also a high chance for the law to be remain only in paper since the strict enactment of the law may lead to the closure of the majority of the cybercafes. The government can lend a helping hand by providing software required and free space for gathering and storing customer identity details.

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