J&K Bank Clerk Mock Test - 10 Free Online Test 2026

Direction: Read the following passage carefully and answer the questions given below. Certain words/phrases have been printed in bold to help you locate them.

By downgrading the monsoon forecast for the year to ‘deficient’, the India Meteorological Department has pressed the panic button. The forecast now talks of 88 per cent of the long-period average, down from the preliminary figure of 93 per cent. The revised estimate is indeed cause for concern, as it holds the possibility of the country being pushed into a drought situation. These are forward-looking numbers no doubt. Yet the signals can hardly be ignored. Finance Minister Arun Jaitley has sought to talk up the sentiment by suggesting that the fears are exaggerated, and he may well be right. In his view, the geographical distribution of rainfall and its timing will matter more than the total volume of precipitation. Yet, policy-planners at the fiscal and monetary levels have not shied away from articulating their anxiety. The Centre has said it is ready to face a deficit monsoon. Union Agriculture Minister Radha Mohan Singh has made it clear that the situation is being monitored on a daily basis and that a ‘contingency plan’ is in place. The immediate worry, nay task, is to quickly devise an emergency plan to tackle the social and economic consequences of a possible drought. In the near-term, the government may do well to prepare a ready-to-roll out action programme to provide farmers a support system and fallback mechanism to ensure that they aren’t consumed by the severity of the impact, should there be a drought. This could well prove to be one of the toughest tests yet for the year-old Narendra Modi government. To minimise the annual concerns on this front, governments at the Centre and the States will have to go beyond mere mitigation strategies and work out a long-term irrigation plan in an integrated and holistic manner to optimise the groundwater potential as well.
If the forecast does come true, however, India could be facing the 12th worst drought since 1950. Already hit by unseasonal rain during the rabi season, this portends further trouble during the kharif cycle. This could lead to serious problems on the food front with consequences on the price situation. Already, lack of rural demand is dragging the economy down. The inflation-focussed Reserve Bank of India will have no more leeway to cut the interest rate in such a situation. Three quick rate cuts by the RBI totalling 75 basis points this year have not really seen any major reduction in lending rates by banks at the ground level. With mounting stressed assets and poor credit off-take, the banking industry has so far chosen to be a reluctant actor in the play. The missing X-Factor has conspired with the existing shortfalls in capacity utilisation to make the industry look forlorn. The situation demands proactive action.

Q. Choose an appropriate title for the passage.

Directions: Rearrange the following six sentence A), B), C), D), E) and F) in the proper sequence to form a meaningful paragraph and then answer the questions given below.

A) While email remains a significant attack vector for cyber criminals, they continue to experiment with new methods across mobile devices and social networks to reach more people with less effort.

B) According to a report, India ranked second among nations that were most targeted for cyber crimes through the social media in 2014, after the U.S.

C) India's growing social media population proved to be a ready base for them.

D) Cyber criminals are now using social networking sites to target users in India.

E) Over 80 per cent of these scams were shared manually as attackers took advantage of people's willingness to trust content shared by friends.

F) India had the second highest number of social media scams globally and the highest in the Asia Pacific region.

Q. Which of the following would be the 'LAST' (SIXTH) sentence after rearrangement?

Directions : Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. The number of that part is the answer. If there is 'No error' the answer is 5). (Ignore errors of punctuation, if any)

Dealing with risk 1)/ and the need 2)/ for teamwork is 3)/ oftenly a part of the experience. 4)/ No error 5)

Directions : Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. The number of that part is the answer. If there is 'No error' the answer is 5). (Ignore errors of punctuation, if any)

In the most general sense, 1)/drought originates from a deficiency of precipitation 2)/ in an extended period of time– usually a season or more–resulting in a water shortage 3)/ for some activity, group or environmental sector. 4) /No error 5)

Directions : Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. The number of that part is the answer. If there is 'No error' the answer is 5). (Ignore errors of punctuation, if any)

Light from many different sources 1)/ contains various colours 2)/ each with 3)/ its own brightness or intense.4)/No error 5)

Directions : Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. The number of that part is the answer. If there is 'No error' the answer is 5). (Ignore errors of punctuation, if any)

Earthquake results 1)/ from the sudden release of energy 2)/ in the Earth's crust 3)/ that creates seismic wave. 4)/ No error 5)

Directions : Choose the option which has correct pair to fill the blank space given in question.

 .…………….camera design begins with the hands – an advertisement for handy cam.

(A) Each  

(B) Every 

(C) Any

(D) All  

(E) Some 

(F) Everywhere

Directions : Choose the option which has correct pair to fill the blank space given in question.

President Obama’s election campaign for second term has gone in ……………….as charges of corruption are imposed on his office by investigating agency.

(A) Suffering 

(B) Abstinence 

(C) Turmoil

(D) Impeding 

(E) Slapdash 

(F) Turbulence

Directions : Choose the option which has correct pair to fill the blank space given in question.

It is official, the not so …………. global economy has dragged down the optimism level of Indians also.

(A) Buoyant 

(B) Promising 

(C) Affluent

(D) Sluggish 

(E) Floating 

(F) Insulated

Directions : Choose the option which has correct pair to fill the blank space given in question.

Minister …………………….read a wrong speech at United Nations and this is not limited to India but Pakistani beautiful foreign minister Rabbani also addressed ‘extinguished guests’ instead of ‘distinguished  guests’.

(A) Indifferently 

(B) Carefully 

(C) Intentionally

(D) Nonchalantly 

(E) Nervously 

(F) Repeatedl

Directions : Choose the option which has correct pair to fill the blank space given in question.

Foreign Companies demanded a better investment ………………….in India for promoting their products.

(A) Climate  

(B) Atmosphere    

(C) Surroundings

(D) Weather 

(E) Scenario 

(F) Schemes

Answer the questions based on the following bar graph.

By what percentage rose production of other states is more than that of the Maharashtra?

Answer the questions based on the following bar graph.

Q. If total percentage contribution of the states having production of roses below twenty thousand is considered, which of the following statements is true?

Answer the questions based on the following bar graph.

Q. Which of the following state (s) contribute (s) less than 10 percent in the total rose production?

Directions: Following pie chart shows the monthly expenditure of a man on different items. His income is Rs 8,000 monthly.

Q. What is the difference between money he spent on education and medical purposes?

Directions: Following pie chart shows the monthly expenditure of a man on different items. His income is Rs 8,000 monthly.

Q. If the salary is raised to Rs 12,000 and distribution on various items remains the same, then how much he spends on medical charges?

A company made a cuboidal box of size 16 × 12 × 5 to sell the ice cream, but later on it was found that the capacity of the box was 14.28% less than the required capacity while the height of the box was correct, which is 5 inches. As per the requirement he had to increase the length and breadth of the box in equal amount then the percentage increase in the area of the base of the box is

800 becomes Rs. 956 in 3 years at a certain rate of simple interest. If the rate of interest is increased by 4%, what amount will Rs. 800 become in 3 years? 

4, 16, 52, 160, ?

Directions : In each of these questions two equations are given. You should solve these equations and give answer. 

I. 3x² +13x +14 = 0 

II. 3y²+11y+10 = 0  

Directions : In each of these questions two equations are given. You should solve these equations and give answer.

(8 ÷ 88) × 8888088 = ? 

Directions : Study the following information to answer the given questions:

Twelve people are sitting in two parallel rows containing six people each, in such a way that there is an equal distance between adjacent persons. In row l, P, Q, R, S, T and V are seated and all of them are facing south. In row 2, A, B, C, D, E and F are seated and all of them are facing north. Therefore, in the given seating arrangement each member seated in a row faces another member of the other row.
A sits third to right of D. Neither A nor D sits at extreme ends. T faces D. V does not face A and V does not sit at any of the extreme ends. V is not an immediate neighbour of T. B sits at one of the extreme ends. Only two people sit between B and E. E does not face V. Two persons sit between R and Q. R is not an immediate neighbour of T. C does not face V. P is not an immediate neighbour of R.

Q. Who amongst the following faces A?

Directions : Study the following information to answer the given questions:

Twelve people are sitting in two parallel rows containing six people each, in such a way that there is an equal distance between adjacent persons. In row l, P, Q, R, S, T and V are seated and all of them are facing south. In row 2, A, B, C, D, E and F are seated and all of them are facing north. Therefore, in the given seating arrangement each member seated in a row faces another member of the other row.
A sits third to right of D. Neither A nor D sits at extreme ends. T faces D. V does not face A and V does not sit at any of the extreme ends. V is not an immediate neighbour of T. B sits at one of the extreme ends. Only two people sit between B and E. E does not face V. Two persons sit between R and Q. R is not an immediate neighbour of T. C does not face V. P is not an immediate neighbour of R.

Q. P is related to V in the same way as C is related to F. Which of the following is E related to, following the same pattern?

Directions: Study the following arrangement carefully and answer the questions given below:

R D A K 5 B I 2 M J E N 9 7 U Z V 1 W 3 H 4 F Y 8 P 6 T G

Q. Which of the following is the eighth to the left of the seventeenth from the left end?

Directions: Read the following passage carefully and answer the questions given below it.

A group of seven friends, Monica, Lilly, Joe, Sahil, Avinash, Pooja and Anu, work as Manager, Asst. Manager, Software Developer, GET, Quality Analyst, DBA and BDO for organisations Cognizant, HCL, TCS, Wipro, IBM, Accenture and Infosys, but not necessarily in the same order. Joe works for TCS and is neither a BDO nor a DBA. Avinash is a Quality Analyst and works for Accenture. Monika works as Manager and does not work for Cognizant or IBM. The one who is an Asst. Manager works for HCL. The one who works for Cognizant works as a GET. Pooja works for IBM. Anu works for Wipro as a BDO. Sahil is not an Asst. Manager.

Q. Which of the following combinations of person, profession and organisation is correct?

Directions: Study the following information carefully and answer the given question :

In a certain code language : "how did it went" is written as "ku ru mu ju" , "went did to Know" is written as "pu ku su ru", "to get and how" is written as "su mu ho ro", " did and go not" is written as " kho ro bu ru".

Q. Which of the following is to code of "not" ?

Directions: Study the following information carefully and answer the given question :

In a certain code language : "how did it went" is written as "ku ru mu ju" , "went did to Know" is written as "pu ku su ru", "to get and how" is written as "su mu ho ro", " did and go not" is written as " kho ro bu ru".

Q. Which of the following may represent "get and had how went " ?

Directions: Study the following information carefully and answer the given question :

In a certain code language : "how did it went" is written as "ku ru mu ju" , "went did to Know" is written as "pu ku su ru", "to get and how" is written as "su mu ho ro", " did and go not" is written as " kho ro bu ru".

Q. Which of the following is code of 'it know go not' ?

Directions: Study the following information carefully and answer the questions given below:

A family consists of seven members J, L, W, Q, S, U and X. U is married to W, who is not mother of L. S is brother of U, who is mother of L. X is daughter of W, who is father-in-law of Q. S is son of J. Q is not a male.

Q.  How is Q related of L?