39
A fraction with its denominator as `100' is called a percentage. Percentage means per hundred. So it is a fraction of the form 6 100 37 100 151 100 , and and these fractions can be expressed as 6%, 37% and 151% respectively. In such a fraction, the numerator is called rate percent. To express x % as a fraction or a decimal, divide x by 100. If the price of an item increases by r%, then the reduction in consumption, so that the expenditure remains the same is r r x 100 100% If the price of the commodity decreases by r%, the increase in consumption, so that the expenditure remains the same is r r x 100 100% If the value is first increased by x % and then by y%, the final increase is x y xy 100 % If there is a decrease instead of increase, a negative sign is attached to the corresponding rate percent. If the value of a number is first increased by x % and later it is decreased by x % then net change is always a decrease which is equal to x 2 100 % If pass marks in an examination is x % and if a student secures y marks and fails by z marks, then the maximum mark = 100( ) y z x A candidate scores x% in an examina- tion fails by `a' marks while another candi- date who scores y% gets `b' marks more than the minimum required for a pass, then the maximum mark = 100(a b) y x If the length of a rectangle is increased by x% and the breadth is decreased by y%, then the area is increased or decreased by ( )% x y xy 100 according to the (+) ve or (-) ve sign obtained. If the present population is P which in- creases R% annually, then (i) the population after n years = P R n 100 100 (ii) the population n years ago = n R 100 100 P If the present value of a machine is P which depreciates at R% per annum, then (i) the value of the machine after n years = P R n 100 100 (ii) the value of the machine n years ago = P R n 100 100 Percentage

National Insurance AO Exam Preparation Materials for Quantitative Aptitude

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Page 1: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

A fraction with its denominator as `100'is called a percentage. Percentage means perhundred.

So it is a fraction of the form6

1 0 03 7

1 0 01 5 11 0 0

, and and these fractions

can be expressed as 6%, 37% and 151%respectively.

In such a fraction, the numerator is calledrate percent.

To express x% as a fraction or a decimal,divide x by 100.

If the price of an item increases by r%,then the reduction in consumption, so that theexpenditure remains the same is

rr

x

1 0 0

1 0 0 %

If the price of the commodity decreasesby r%, the increase in consumption, so thatthe expenditure remains the same is

rr

x1 0 0

1 0 0 %

If the value is first increased by x% andthen by y%, the final increase is

x yxy

100%

If there is a decrease instead of increase, anegative sign is attached to the correspondingrate percent.

If the value of a number is first increasedby x% and later it is decreased by x% then netchange is always a decrease which is equal to

x2

100

%

If pass marks in an examination is x% and

if a student secures y marks and fails by zmarks, then the maximum mark

= 1 0 0 ( )y z

xA candidate scores x% in an examina-

tion fails by `a' marks while another candi-date who scores y% gets `b' marks more thanthe minimum required for a pass, then the

maximum mark = 100 (a b)

y x

If the length of a rectangle is increasedby x% and the breadth is decreased by y%,then the area is increased or decreased by

( )%x y xy

1 0 0 according to the (+) ve or

(-) ve sign obtained.If the present population is P which in-

creases R% annually, then(i) the population after n years

= P R n100100

(ii) the population n years ago

= n

R100100P

If the present value of a machine is Pwhich depreciates at R% per annum, then(i) the value of the machine after n years

= P R n100100

(ii) the value of the machine n years ago

= P

R

n100

100

Percentage

Page 2: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

4 In an examination 36% are pass marks.If an examinee gets 17 marks and fails by 10marks, what are the maximum marks?Ans : Pass mark=(17+10)= 27

Let maximum marks be x

Then 36% of x = 27 or 3 6

1 0 02 7x x

x 2 7 1 0 0

3 67 5x

Hence, maximum marks = 75The answer can be arrived quickly by

Maximum marks = 1 0 0 1 7 1 0

3 6( )

=1 0 0 2 7

3 67 5x

5 . Subtracting 40% of a number from thenumber, we get the result as 30. Find the num-ber.Ans: Let the number be x.

x x4 01 0 0

3 0 (ie) x 1 25

3 0

x 3 0 53

5 0x

6 . If the price of sugar be increased by25%, find by how much percent must its con-sumption be decreased to keep the expendi-ture fixed on sugar?Ans:

Decrease in consumption

= 25

100 25100%

=

2 5 1 0 01 2 5

2 0 %x %

7 . The salary of a worker was first increasedby 10% and thereafter decreased by 5%.What was the effect in his salary?

Ans: % effect = 10 510 5100

x%

His salary is increased by 4.5% (becausethe sign is +ve.)

If x% students failed in a particular sub-ject, y% students failed in another subject, andz% students failed in both subjects, then thepass present = 100+z-(x+y)Fractional Equivalents of important percents

1%1

100

40%25

614

116

813

112

%

%

2%1

50

60%35

1212

18

1623

16

%

%

4%1

25

80%45

25%14

3313

13

%

5%1

20100% 1

3712

38

6623

23

%

%

8% 225

50% 12

83 13

56

%

10% 110

62 12

58

%

20%1

5

75%34

SOLVED EXAMPLES:

1 . Find 3313 % of 600

Ans: 3313

% of 600 = 13

x600 = 200

2 . What percent of 144 is 36?Ans: Let x% of 144 = 36

(ie) x

1 0 01 4 4 3 6x

(ie) x 3 6 1 0 0

1 4 42 5x

3 . 2.5 is 5% of what?Ans : Let the number be x

5% 2 5of x .

5100

2 5 50x x x .

8712

78

%

2 8

133 13

43

%

Page 3: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

8 . The value of a machine depriciates at therate of 10% per annum. If its present value isRs. 81,000 what will be its worth after 2year s?Ans: The value of the machine after

2 years = Rs. 81,000x 1 1 01 00

2

= Rs. 81000 x 9

1 09

1 06 5 6 1 0x Rs . ,

9 . Due to fall of 10% in the rate of sugar,500 gm more sugar can be purchased for Rs.140. Find the original rate and reduced rate.Ans : Money spent originally=Rs. 140

Less Money to be spent now= 10% of 140= Rs. 14

Rs. 14 now yield 500gm sugar

Present rate of sugar = Rs. 28 per kg.If the present value is Rs. 90, the original value= Rs. 100If the present value is Rs. 28 the original value

= Rs. 1 0 09 0

2 8x

= Rs. 31.1110 . In an examination, 42% students failedin History and 52% failed in Geography. If 17%students failed in both subjects, find the per-centage of those students who passed in boththe subjects.Ans:- Pass percent=100+17-(42+52)

= 117 - 94= 23

PRACTICE TEST

1 . 65% of 7+35% of 3 = ?% of 56a) 1 b) 1 0 c) 5 0 d) 1 0 0

2 . What is 20% of a number whose 200%is 360?

a) 7 2 b) 3 6 c) 5 2 d) 1 4 4

3 . What percent of 47

235

is ?

a) 2 . 5% b) 10 00 %c) 2 5 % d) 1 0 %

4 . The total income of A and B is Rs. 6000.A spends 60% of his income and B spends80% of his income. If their savings are equal,then the income of A is,

a) Rs. 3500 b) Rs. 2000c) Rs. 4000 d) Rs. 3000

5 . With an increase of Rs. 2,000, Vishnu'smonthly salary became Rs. 12,000. What isthe percent increase in his salary?

a) 2 0 b) 2 5 c) 4 0 d) 8 06 . if 75% of the students in a school areboys and the number of girls is 420, the num-ber of boys is

a) 11 76 b) 13 50c) 12 60 d) 11 25

7 . The salary of a worker is first increasedby 10% and therafter it was reduced by 10%.What was the change in his salary?

a) 1% increase b) 5% increasec) no change d) 1% decrease

8 . A water tank contains 5% salt byweight. x litres of fresh water is added to 40litres of tank water, so that the solution con-tains 2% salt. The value of x is

a) 4 0 b) 5 0 c) 5 5 d) 6 09 . The population of a town increases 5%annually. If it is 15,435 now, what was it 2years ago?

a) 14 ,000 b) 13 ,473c) 12 ,345 d) 10 ,145

10 . Navin spends 15% of his salary on cloths,30% on food and 10% on transport. After thisif he is left with Rs. 900/- what is his salary?

a) Rs. 1,500 b) Rs. 2000c) Rs. 1,635 d) Rs. 2500

11 . When the price of an article was reducedby 15% the sale of the article is increased by

Page 4: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

20%. What was the effect on the sales?a) 2% increase b) 1% increasec) 2% decrease d) 1% decrease

12 . In an election between two candidates,the one gets 35% of the votes polled is de-feated by 15000 votes. The number of votescasted by the winning candidate is

a) 15 ,000 b) 1,75,000c) 32 ,500 d) 52 ,500

13 . In an examination, 70% students passedin English and 75% in Hindi while 20% failedin both the subjects. If 260 students passed inboth the subjects, the total number of studentsis

a) 4 0 0 b) 5 0 0c) 3 4 0 d) 4 6 0

14 . If the radius of a circle is diminished by10%, the area is diminished by

a) 3 6 % b) 2 0 %c) 1 9 % d) 1 0 %

15 . The price of an article is cut by 10%. Inorder to restore it to its former value, the newprice must be increased by

a) 10 13

% b) 1 1 %

c) 1119

% d) 12 19

%

16 . The breadth of a rectangular field is 60%of its length. If the perimeter of the field is800m, What is the area of the field?

a) 37,500 sq.m. b) 4,800 sq.mc) 18,750 sq.m d) 40,000 sq.m

17 . In a factory, 60% of the employees aremales. Among them 20% are matriculates andthe remaining are graduates. Among the fe-males 40% are matriculates and the remain-ing are graduates. If the total number of fe-male employees in the factory is 640, howmany graduates are there in the factory?

a) 1024 b) 896c) 1,152 d) 10 00

18 . In an employment exchange, 40% of the

job seekers are graduates, 20% are post-graduates and remaining 6000 are non-gradu-ates. How many post-graduate job seekers arethere?

a) 3, 000 b) 6, 000c) 9, 000 d) 12 ,000

19 . A company hired a salesman on a monthlysalary of Rs. 3,000. In addition to it, the sales-man was entitled for 20% commission on themonthly sale. How much sale the salesmanshould do if he wants his monthly income asRs. 10,000?

a) Rs. 50,000 b) Rs. 15,000c) Rs. 35,000 d) Rs. 21,000

20 . In a public sector company, 30% employ-ees opted for pension and 50% employeesopted for provident fund. The remaining em-ployees were uncertain. If the difference be-tween those who opted for provident fund andthose who were uncertain was 1440, howmany employees were there in the company?

a) 7, 200 b) 2, 400c) 2, 880 d) 4, 800

21 . Prasanna spends 25% of her monthly in-

come on petrol for her car,23

rd of the remain-

ing income on house hold items, rent, etc. Ifshe is left with Rs. 1,800 with her at the endof the month how much does she spend onpetrol?

a) Rs. 1,800 b) Rs. 720c) Rs. 2,500 d) Rs. 1,440

22 . Rajesh earns Rs. 2,300 per month. Hespends Rs. 1,200 on food, Rs. 630 on convey-ance, 10% of his monthly income on other in-cidentals and saves the remaining amount. Howmuch money will he save in one year?

a) Rs. 2300 b) Rs. 2880c) Rs. 2600 d) Rs. 2400

23 . In an examination, Hari got 8 marks lessthan 80% of the full marks and Ravi got 5marks more than 70% of the full marks. Haribeats Ravi by 2 marks. The marks scored byRavi is

a) 9 0 b) 1 1 0 c) 1 3 0 d) 1 4 0

ANSWERS TO PRACTICE

1 . (b) 2 . (b) 3 . (d) 4 . (b) 5 . (a) 6 . (c) 7 . (d) 8.(d)9 . (a) 10 . (b) 11 . (a) 12 . (c) 13. (a) 14 . (c) 15 . (c) 16.(a)17 . (c) 18 . (a) 19 . (c) 20 . (d) 21.(a) 22 . (b) 23 . (b)

Page 5: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

Cost Price: The price for which an article ispurchased is called the Cost Price (C.P.)Selling price : The price at which an article issold is called the Selling Price (S.P.)Profit (Gain) : The difference between the sell-ing price and the cost price (when S.P. is morethan C.P) is called the Profit.Loss:The difference between the cost priceand selling price (when C.P. is more than S.P.)is called the Loss.Points to remember:1 . Gain = (S.P) - (C.P); Loss = (C.P) - (S.P)

2 . Gain%=Gainx

C P1 0 0

. .=

SP CP

CP

x 100

Loss%=Lossx

C P1 0 0

. . = C S

CPx

P P

100

3 . When the cost price and gain percent aregiven,

S.P. = C.P. x 100

100

Gain%

4 . When the cost price and loss percent aregiven

S.P. = C.P. x100

100

Loss%

5 . When the selling price and gain percentare given

C.P. = S.P. x 100

100

Gain%

6 . When the selling price and loss percentare given

C.P. = S.P. x 1 0 0

1 0 0( % ) Loss

7 . The discount percent is calculated on themarked price.

Discount percent

= Discount

M arked pricex 1 0 0

8 . If there are two successive profits of x%and y% in a transaction then the resultantprofit percent is

x x y y

1 0 09 . If there is a profit of x% and loss of y% ina transaction, then the resultant profit and losspercent is

x x y y

1 0 0 according to the (+)ve and

the (-)ve signs respectively.10 . If cost price of x articles is equal to theselling price of y articles, then profit percent.

=x y

yx

100

SOLVED EXAMPLES

1 . A man buys a toy for Rs. 25 and sells itfor Rs. 30. Find his gain percent.Ans: Gain = 30 - 25 = Rs. 5

Gain % = 52 5

1 0 0 2 0 %x Rs .

2 . By selling a watch for Rs. 144 a manloses 10%. At what price should he sell it inorder to gain 10%?Ans: S.P. = Rs. 144; Loss = 10%

C P Rs x. .100

100 10144

Profit & Loss

Page 6: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

= Rs. 1 0 09 0

1 4 4 1 6 0x Rs .

Gain required = 15%

S P Rs x Rs. . . .1 1 51 0 0

1 6 0 1 8 4

Short cut:

Required SP = 1 4 49 0

1 1 5 1 8 4x Rs .

3 . I sold a book at a profit of 16%. Had Isold it for Rs. 18 more, 20% would have beengained. Find the cost price.Ans: Here 120% of C.P._ 116% of C.P.

= Rs. 18

4% 18of t Rscos .

C P x Rs. . .18 1004

450

Formula :

C.P = M o re gain x

D if f in percen t age p rof it1 0 0

.

= 1 8 1 0 02 0 1 6

4 5 0x Rs

.

4 . A shopkeeper mixes two varieties of tea,one costing Rs. 35 per kg. and another atRs. 45 per kg. in the ratio 3:2. If he sells themixed variety at Rs. 41.60 per kg. what is hisgain or loss percent?Ans: - C.P of 5 kg. mix

= Rs. (35x3+45x2) = Rs. 195S.P. of 5 kg. mix = Rs. (41.60x5)

= Rs. 208Gain = Rs. (208-195) = Rs. 13

Gain% = 1 3

1 9 51 0 0 6 2

3x %

5 . By selling a table for Rs. 40 instead ofRs. 50, 5% more is lost. Find the cost of thetable.Ans : Let the C.P. be Rs. xThen if S.P.=Rs. 40, loss=Rs. (x-40)

If S.P = Rs. 50, loss = Rs. (x-50)

( ) ( )X X X4 0 5 0 51 0 0

x

1 0 51 0 0

2 0 0 0x R sX X .

6 . A grocer sells rice at a profit of 10% anduses weights which are 20% less than themarked weight. The total gain earned by himwill beAns: Let us consider a packet of rice marked1 Kg.Then its actual weight=80% of 1Kg.=0.8 Kg.Let C.P. of 1 Kg be Rs. xThen C.P. of 0.8Kg = Rs. 0.8 x

Now, S.P. = 110% of C.P. of 1 Kg

= 1 1 01 0 0

11x RsX X . .

Gain %= 0 30 8

.

.XX x 100% = 37.5%

7 . The cost price of 10 articles is equal tothe selling price of 9 articles. Find the gainpercent.Ans: Let the cp of 1 article = Rs. 1

Then CP of 9 articles = Rs. 9CP of 10 articles = Rs. 10

SP of 9 articles = Rs. 10

Gain =10 9

9100 100

911 1

9

%

8 . A boy buys oranges at Rs. 2 for 3 or-anges and sells them at one rupee each. Tomake a profit of Rs. 10 he must sell:Ans: Suppose he sells x oranges.

CP of x oranges = Rs. 23

x

SP of x oranges = Rs. x

Profit on x oranges = x-23x

= x3

x x3

10 = 30

Page 7: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

9 . A man sells two horses for Rs. 4000 eachneither losing nor gaining in the deal. If he soldone horse at a gain of 25%, the other horsewould be sold at a loss of:Ans: Let the other horse be sold at x% loss

Then 25 - x - 25100

0x

x 20%10 . A discount series of 10%, 20% and 40%is equal to a single discount of .....Ans: Equivalent single discount

= 100 60100

80100

90 56 8% x x .

PRACTICE TEST

1 . By selling an article for Rs. 100, one gainsRs. 10. Then the gain percent is

a) 1 0 % b) 9 %

c) 11 19

% d) 10 12

%

2 . A loss of 5% was suffered by selling aplot for Rs. 4,085. The cost price of the plotwas:

a) Rs. 4350 b) Rs. 4259.25c) Rs. 4200 d) Rs. 4300

3 . A dealer sold a mixer for Rs. 420 at aloss of 12.5%. At what price should he havesold it to gain 12.5%?

a) Rs. 620 b) Rs. 540c) Rs. 650 d) Rs. 750 4 .

4 . On selling 33m. of cloth, a person gainedan amount equivalent to the S.P. of 11m. ofcloth. The profit in the deal is

a) 5 0 % b) 2 0 %c) 7 0 % d) 3 0 %

5 . There are two consecutive discounts of35% and 10% on a saree. If a person paid Rs.1170 for that, then what was the original priceof the saree before the discounts?

a) Rs. 2,000 b) Rs. 1,800c) Rs. 1,900 d) Rs. 1,700

6 . A dishonest dealer claims to sell his goodsat cost price, but he uses a weight of 960 gmfor the kg weight. His gain percent is

a) 4 % b) 4 16

%

c) 2 12

% d) 3 34

%

7 . By selling a vehicle for Rs. 36,300, a per-son gains 21% profit. What was his gain inRupees?

a) Rs. 3,000 b) Rs. 7,623c) Rs. 3,600 d) Rs. 6,300

8 . Hameed bought a calculator for Rs. 520and sold it with 15% profit on the price hebought. At what price did he sell the calcula-tor?

a) Rs. 598/- b) Rs. 542/-c) Rs. 528/- d) Rs. 780/-

9 . Ramesh purchased four old cycles at therate of Rs. 625 for each. He spent Rs. 175 oneach cycle for repairing and painting. At whatprice should he sell each cycle in order to make35% profit on the money he spent?

a) Rs. 1,019 b) Rs. 1,000c) Rs. 1,080 d) Rs. 844

10 . Raghu bought 10kg. of sugar at the rateof Rs. 14 per kg and 15kg. of sugar at therate of Rs. 16 per kg. He mixed the two vari-eties and sold the mixture at the rate of Rs.18 per kg. What was his total gain by doingso?

a) Rs. 50 b) Rs. 70c) Rs. 40 d) Rs. 80

11 . Ravi buys a radio three-fourth of its valueand sells it for 20% more than its value. Whatwill be the profit percent?

a) 5 0 % b) 4 0 %c) 6 0 % d) 7 0 %

12 . A man buys pencils at 10 for Rs. 3 andsells at 8 for Rs. 3. His gain percent isa) 20 b) 25 c) 30 d) 27

Page 8: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

ANSWERS TO PRACTICE1 . (c) 2 . (d) 3 . (b) 4 . (a) 5 . (a) 6 . (b) 7 . (d) 8.(a)

9 . (c) 10 . (b) 11 . (c) 12 . (b) 13. (c) 14 . (b) 15 . (b) 16.(a)

17 . (b) 18 . (c) 19 . (b) 20 . (a) 21.(b) 22 . (a) 23 . (c) 24 . (d)

25 . (c) 26 . (d)

13 . A fruit seller buys lemons at 2 for a ru-pee and sells them at 5 for three rupees. Hisgain percent is

a) 1 0 % b) 1 5 %c) 2 0 % d) 1 2 %

14 . Toffee are bought at a rate of 8 for onerupee. To gain 60% they must be sold at

a) 6 for Re. 1 b) 5 for Re. 1c) 9 for Re. 2 d) 24 for Re. 5

15 . By selling sugar at Rs. 5.58 per kg. a manloses 7%. To gain 7% it must be sold at therate of Rs.

a) 5.62 per kg b) 6.42 per kgc) 7.32 per kg d) 6.62 per kg

16 . A tradesman's prices are 20% aboveC.P. He allows his customers some discounton his bill and makes a profit of 8%. The rateof discount is :

a) 1 0 % b) 1 2 %c) 1 4 % d) 1 6 %

17 . An article was sold at a loss of 5%.If itwere sold for Rs. 30 more ,the gain would havebeen 1.25%. The cost price of the article is

a) Rs. 488 b) Rs. 480c) Rs. 460 d) Rs. 420

18 . Anitha sold a painting at a profit of 11%.Had she sold it for Rs.175 more, she wouldhave gained 18%. The C.P of the painting is

a) Rs. 2250 b) Rs. 2350c) Rs. 2500 d) Rs. 2550

19 . Pradeep bought a toy with 20% discounton its labelled price. He sold it for Rs. 468 at4% profit on the labelled price. At what pricedid he by the toy ?

a) Rs. 450 b) Rs. 360c) Rs. 390 d) Rs. 380

20 . Arun purchased a bag with 25% discounton the labelled price. At what percentageprofit on the price he bought should he sell it

to make 20% profit on the labelled price?a) 6 0 % b) 4 0 %c) 4 5 % d) 5 0 %

21 . Nimesh bought a cycle for Rs. 1,850.Hespent Rs.380 for buying different accesso-ries. Approximately, at what price should hesell the cycle to make 20% profit in the trans-action?

a) Rs. 2900 b) Rs. 2676c) Rs. 3000 d) Rs. 3125

22. A man buys an article and sells it at a profitof 20%.If he bought at 20%less and sold itfor Rs. 75 less, he would have gained 25%.What is the cost price ?

a) Rs. 375 b) Rs. 425c) Rs. 350 d)Data inadequate

23. A man sells a car to his friend at 10%loss. If the friend sells it for Rs. 54,000 andgains 20%, the C.P. of the car was:

a) Rs. 25,000 b) Rs. 37,500c) Rs. 50,000 d) Rs. 60,000

24. Listed price of an article is Rs. 65. Acustomer pays Rs. 56.16 for it. He was giventwo successive discounts. If the first discountis 10% find the second .

a) 8 % b) 6% c) 5 % d) 4%25. A single discount equivalent to a discountseries of 20%,10% and 25% is

a) 5 5 % b) 54%c) 4 6 % d) 42%

26 . A trader allows two successive discountsof 20% and 10%. if he sells an article for Rs.108, then the market price of the article is

a) Rs. 140 b) Rs. 142c) Rs. 148 d) Rs. 150

Page 9: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

An average, or an arithmetic mean, is thesum of `n' different data divided by `n'

Average = sum of dat aNo o f data.

No. of data = sum of data

Average

Sum = Average x No. of dataPoints to remember:1 . Age of new entrant = New average +No. of old members x change in average2 . Age of one who left = New average -No. of old members x change in average3 . Age of new person = Age of the removedperson + No. of members x change in aver-age

In all the above three cases, if there is adecrease in the average, the sign of change inaverage will be negative.4 . If a certain distance is covered at x km/hrand the same distance is covered by y km/hr,then the average speed during the whole jour-ney is

2 xx

yy km/hr

Examples1 . The average age of 30 boys of a class isequal to 14 years. When the age of the classteacher is included the average becomes 15years. Find the age of the class teacher.Total age of 30 boys = 14x30=420 yearsTotal age when the teacher is included

= 15x31 = 465 years Age of the class teacher= 465 - 420 = 45 years

Direct FormulaAge of new entrant = New average + No.of old members x change in average= 15+30(15-14) = 45 years.

2 . The average weight of 8 men is increasedby 1.5 g. when one of the men who weighs65 kg is replaced by a new man. The weightof the new man is:Weight of the new man = Weight of the manreplaced + (Number x change in average)= 65 + (8x1.5) = 65+12 = 77 kg.3 . The average of 11 results is 50. If theaverage of first six results is 49 and that oflast six is 52, find the sixth result.The sum of 11 results = 11x50 = 550The sum of first 6 results = 6x49 = 294The sum of last 6 results = 6x52 = 312Sixth results = 294+312-550 = 564 . There were 35 students in a hostel. Ifthe number of students increased by 7, theexpenses of the mess were increased by Rs.42 per day, while the average expenditure perhead diminished by Re. 1. The original expen-diture of the mess was:Ans: Let the original expenditure per head beRs. x.Then 35x + 42 = (x-1) 4235x + 42 = 42x - 42 or x = 125 . The average expenditure of a man for thefirst five months was Rs. 120 and for the nextseven months is Rs. 130. What was hismonthly average income if he saved Rs. 290in that years.Total income for 12 months.

= Rs. (120x5+130x7+290)= Rs. 1800

Average

Page 10: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

Average monthly income

= 1800

12150Rs.

6 . There are 50 boys in a class. Their aver-age weight is 45 kg. When one boy leaves theclass, the average reduces by 100 gms. Findthe weight of the boy who left the class.

Weight of the boy left = New average -No. of old members x change in average

= 44.9-50x(-0.1) = 44.9+5 = 49.9kg.7 . The average attendance in a school forthe first 4 days of the week is 30 and for thefirst 5 days of the week is 32. The attendanceon the fifth day is:Total attendance for the first 4 days

= 4x30 = 120Total attendance for the first 5 days

= 5x32 = 160Attendance on the fifth day

= 160-120 = 40

PRACTICE TEST

1 . The marks obtained by a student in fivesubjects are 68,73,62,85 and 79. Find theaverage score.

a) 7 3 b) 73. 4c) 7 5 d) 74. 5

2 . The average income of a group of 9 work-ers is Rs. 137.30 and that of another group of7 workers is Rs. 95.06. The average incomeof all the persons is:

a) Rs. 118.82 b) Rs. 116.18c) Rs. 125.18 d) Rs. 128.15

3 . There are 40 boys in a class. One boyweighing 40 kg goes away, and at the sametime another boy joins the class. If the aver-age weight of the class is thus increased by100 gm, the weight of the new boy is.

a) 39.9 kg b) 44.1 kgc) 40.1 kg d) 44 kg

4 . My average expenses for 4 days is Rs.6.00. I spend Rs. 7.70 on first day and Rs.

6.30 on second day. If I spent Rs. 10 on thirdday, what did I spend on the 4th day?

a) Rs. 2/- b) Rs. 3/-c) Rs. 4/- d) Nothing

5 . The average temperature on Tuesday,Wednesday and Thursday was 37° centigrade.The average tempeature on Wednesday,Thursday and Friday was 38° centigrade. Ifthe temperature on Friday was 39° centigrade,the temperature on Tuesday was:

a) 35° C b) 36° Cc) 37° C d) 38° C

6 . The average age of students in twoclasses of 40 students each is 10 years and 8years respectively. The average age of stu-dents in both the classes taken together is:

a) 8 years b) 9 yearsc) 10 years d) 11 years

7 . The average age of 50 soldiers in troopis 25 years. If the captain's age is included,the average age of all of them still remainsthe same. What is the captain's age in years?

a) 2 5 b) More than 25c) Less than 25 d) Cannot be

determined8 . Two towns A and B are some distanceapart. A girl cycles from A to B at a speed of10 km/hr and then back from B to A at therate of 15 km/ hr. The average speed duringthe journey is:

a) 12.5 km/hr b) 15 km/hrc) 12 km/hr d) 13.5 km/hr

9 . An employee's average contribution tohis provident fund for the first 9 months wasRs. 3,500 each and for each of the remaining3 months, the contribution was Rs. 5,500. Bywhat amount was his total contribution shortof Rs. 58,000?

a) Rs. 4,000 b) Rs. 16,500c) Rs. 8,000 d) Rs. 10,000

10 . What fraction must be subtracted from

the sum of 14

and 16

to have an average of

Page 11: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

112 of these the two fractiaons?

a)13 b)

12 c)

14 d)

18

11 . The average marks of 12 students wascalculated as 40. But it was later found thatmarks of one student had been enteredwrongly as 42 instead of 54 and of another as74 instead of 50. The correct average is:

a) 3 9 b) 4 0 c) 4 1 d) 4 312 . The average salary of workers in an in-dustry is Rs. 2000, the average salary of 150technicians being Rs. 4000, and the non-tech-nicians being Rs. 1,250. The total number ofworkers is

a) 4 5 0 b) 3 0 0c) 5 5 0 d) 500

13 . The average age of a husband and a wifewho were married four years ago was 20 yearsthen. What will be the average age of the fam-ily now if they have a three years old child?

a) 1 5 23 years b) 1 6 1

3 years

c) 17 years d) 16 years14 . The average of three consecutive oddnumbers is 39. What is the sum of the firsttwo of these numbers?

a) 7 8 b) 7 6 c) 2 4 d) 1 115 . If the average of 9 consecutive numbersis 20, the highest of these numbers is:

a) 2 0 b) 2 1 c) 2 4 d) 2 616 . The sum of two consecutive even num-bers is 23 more than the average of these twonumbers. What is the second number?

a) 2 2 b) 2 4 c) 2 6d) Data indequate

17 . The average of 17 numbers is 10.9 If theaverage of first nine is 10.5 and that of thelast nine is 11.4, the middle number is

a) 11. 8 b) 11. 4c) 10. 9 d) 11. 7

18 . The average monthly expenditure of afamily was Rs. 2,200 during first 3 months,Rs. 2,550 during next 4 months and Rs. 3,120during last 5 months of the year. If the totalsaving during the year was Rs. 1,260, findaverage monthly income.

a) Rs. 3,960 b) Rs. 760.8c) Rs. 2,805 d) Rs. 3,125

19 . 30 pens and 75 pencils were purchasedfor Rs. 510. if the average price of a pencilwas Rs. 2.00, find the average price of a pen.

a) Rs. 12 b) Rs. 15c) Rs. 19 d) Rs. 25

20 . the average age of the husband and wifewho were married 7 years ago was 25 yearsthen. The average age of the family includingthe husband, wife and the child born duringthe interval is 22 years, now. How old is thechild now?

a) 2 years b) 3.5 yearsc) 1 years d) 4 years

21 . Average monthly income of a family offour earning members was Rs. 735. One ofthe earning members died and therefore theaverage income came down to Rs. 650. Theincome of the deceased was:

a) Rs. 820 b) Rs. 990c) Rs. 692.50 d) Rs. 1,385

22 . A batsman has certain average runs for20 innings. In the 21st inning, he served 107runs thereby increasing his average by 2. Whatis his average after 21 innings?

a) 6 7 b) 6 5 c) 6 0 d) 7 2

ANSWERS TO PRACTICE TEST1 . (b) 2 . (a) 3 . (d) 4 . (d) 5 . (b) 6 . (b) 7 . (a) 8.(c)9 . (d) 10 . (c) 11 . (a) 12 . (c) 13. (c) 14 . (b) 15 . (c) 16.(b)17 . (a) 18 . (c) 19 . (a) 20 . (a) 21.(b) 22 . (a)

Page 12: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

ii) In a:b : : c:d, d is the fourth proportionalto a,b and c.iii) If x is the third proportional to a and bthen a: b : : b: x.iv) Mean proportional between a and b is

( ).abOther properties

If ab

cd

`or' a: b : : c:d.

i) ddc

bba

ii)a b

bc d

d

iii)a ba b

c dc d

iv)ab

cd

a cb d

ka kckb kd

Solved examples:1 . If a: b = 4:5 and b:c = 6:7, find theratios a:c and a:b:c

Given, ab

bc

45

67

;

ab

x bc

x ie ac

45

67

2 435

( )

a c: :24 35Here `b' term is common to both the equa-tions and so their corresponding values shouldbe made equal.

(ie) a:b = 24 : 3 0 b:c = 30 : 35

a b c: : : :24 30 35

Ratio: The number of times one quantity con-tains another quantity of the same kind is calledratio of the two quantities. The ratio of a to bis written as

a : b ab

a b

In the ratio a : b, a and b are called the termsof ratio, `a' is the antecedent and `b' is theconsequent.

Points to remember:

i) The order of the terms in a ratio is veryimportant

ii) The quantities of a ratio must be ex-pressed in the same units.

iii) The ratio is unaltered if each term ismultiplied or divided by the same num-ber.

iv) When a certain quantity`q' is divided ina given ratio a:b, the two parts are

aqa b

and bqa b

v) If a: b and c : d are two ratios, thenac: bd is called the compounded ratio of thegiven ratios.Proportion: The equality of the two ratios iscalled proportion. Suppose the two ratios a:band c:d are equal, i.e, a:b = c:d, then we write,

a:b: : c:dHere, a and d are called as extremes and b, care called means.Rule:i) ad = bc `or'

Product of extremes = Product ofmeans.

Ratio & Proportion

Page 13: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

2 . Divide Rs. 54 in the ratio 4 : 5Sum of ratios = 4+5 = 9

First part = 54 x 49 = Rs. 24

Second part = 54 x59 = Rs. 30

3 . In a ratio, which is equal to 7 : 8 , if theantecedent is 35, what is the consequent?

Let the consequent be x

8 35 8 3 57

4 0x xx;

4 . The sides of a triangle are in the ratio of12

13

14

: : . If the perimeter is 104 cms, find

the length of the smallest side.

Given ratio is 12

13

14

6 4 3: : : :

(Multiplying with the L.C.M. of2,3, & 4)Sum of ratio = 6+4+3= 13

Smallest side de x31 3

10 4 24 cms.

5 . The incomes of A and B are in the ratio2:3 and their expenditure are in the ratio 1:2,If each saves Rs. 2,400, find A's income.

Let the income of A and B be 2x and 3x

Since, Income - Savings = Expenditure,(2x - 2400) : (3x - 2400) = 1:2 2 (2x-2400) = 3x - 2400

x = 2400 As income 2x=2x2400

= Rs. 4800.6 . In 40 litres mixture of milk and water,the ratio of milk and water is 3:1. How muchwater should be added in the mixture so thatthe ratio of milk to water becomes 2:1?

In 40 litres of mixture, quantity of milk

= 34

40 30x litres

Quantity of water = 40-30=10 litresSuppose x litres of water be added in 40 litresof mixture.

3 0

1 021

x 2 10 30 5 x x lit res

7 . Two numbers are such that the ratio be-tween them is 3:5 but if each is increased by10, the ratio between them becomes 5:7. Findthe numbers.

Let the numbers be 3x and 5x

Then 3 105 10

57

xx

7 (3x+10)=5(5x+10) x = 5

The numbers are 15 and 258 . A bag contains rupees, fifty paise, andtwenty five paise coins in the proportion 5:6:8.If the total amount is Rs. 210. Find the num-ber of coins of each kind.Ans: Let there be 5 rupee coins, 6 fifty paisecoins, and 8 twenty five paise coins the valueof 6 fifty paise coins

= Rs. 3The value of 8 twenty five paise coins

= Rs. 2The number of rupee coins

= 5 2 1 0

1 01 0 5x

The number of 50 paise coins

= 6 2 1 0

1 01 2 6x

The number of 25 paise coins

= 8 21 0

1 01 68x

Page 14: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

girls should be admitted to make the ratio 1:1?a) 9 0 b) 1 2 0c) 2 2 0 d) 2 4 0

11 . The ratio of the number of boys and girlsat a party was 1:2 but when 2 boys and 2girls left, the ratio became 1:3. then the num-ber of persons initially in the party was

a) 2 4 b) 3 6c) 1 2 d) 1 5

12 . A sum of Rs. 3400 has been dividedamong A,B and C in such a way that A gets

23 of what B gets and B gets

14 of what C

gets. Then, B's share isa) Rs. 600 b) Rs. 340c) Rs. 400 d) Rs. 500

13 . Two numbers are in the ratio 3:5, If 8 issubtracted from each, then they are in the ratio1:3. Then, the second number is

a) 1 5 b) 2 0c) 4 d) 1 2

14 . The proportion of copper and zinc in brassis 13:7. How much zinc will be there in 100kg of brass?

a) 20 kg b) 35 kgc) 45 kg d) 50kg

15 . The ratio of the father's age to son's ageis 4:1. The product of their ages is 196. Theratio of their ages after 5 years will be:

a) 3: 1 b) 10 :3c) 11 :4 d) 14 :5

16 . The ages of Manoj and Amit are in theratio 2:3. After 12 years, their ages will be inthe ratio 11:15. The age of Amit is:

a) 32 years b) 40 yearsc) 48 years d) 56 years

17 . Rs. 780 is divided among 2 men, 6 womenand 8 boys so that the share of a man, a womanand a boy are in the ratio 3:2:1. Then, howmuch does a boy get?

a) Rs. 130 b) Rs. 60c) Rs. 240 d) Rs. 40

PRACTICE TEST

1 . If A:B = 3:2 B:C= 4:3 then A:B:C=?a) 6:4:3 b) 3:2:3c) 3:4:3 d) 3:2:1

2 . Ratio between two numbers is 3:2 andtheir difference is 225, then the smaller num-ber is:

a) 9 0 b) 6 7 5c) 1 3 5 d) 4 5 0

3 . If 2x=3y = 4z, then x : y : z isa) 4:3:2 b) 6:3:4c) 3:4:2 d) 6:4:3

4 . The mean proportion between 9 and 36is

a) 22. 5 b) 1 8c) 6 d) 3 6

5 . The fourth proportion to 3,6,15 isa) 1 5 b) 3 0 c) 5 d) 1 8

6 . Two numbres are in the ratio 7:9. If 12is subtracted from each of them, the ratiobecomes 3:5. The product of the numbers is:

a) 4 3 2 b) 5 6 7c) 15 75 d) 12 63

7 . What must be added to each term of theratio 7:13 so that the ratio becomes 2:3?

a) 1 b) 2 c) 3 d) 58 . A total amount of Rs. 1800 is to be di-vided among A,B and C in such a way thathalf of A's part, one third of B's part and one-fourth of C's part is equal. The A's part is

a) Rs. 400 b) Rs. 600c) Rs. 800 d) Rs. 900

9 . A sum of Rs. 53 is divided among A,B,Cin such a way that A gets Rs. 7 more than Band B to gets Rs. 8 more than C. Then theratio of their shares is

a) 10:18:25 b) 18:25:10c) 25:18:10 d) 15:18:20

10 . The ratio of number of boys and girls in aschool of 720 students is 7:5. How many more

Page 15: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

18 . The ratio between the annual incomes ofA and B is 5:4 and between their expendituresis 4:3. If at the end of the year, A and B re-spectively save Rs. 400 and Rs. 500, then theincome of A is:

a) Rs. 4,000 b) Rs. 3,200c) Rs. 3,700 d) Rs. 4,800

19 . A bag contains one rupee, 50 paise and25 paise coins in the ratio 5:7:9. If the totalamount in the bag is Rs. 430, find the numberof coins of 25 paise.

a) 2 0 0 b) 2 8 0c) 3 6 0 d) 3 0 0

20 . A mixture contains milk and water in theratio 3:2. If 4 litres of water is added to themixture, milk and water in the mixture becomesequal. The quantity of milk in the mixture inlitre is.

a) 1 8 b) 4c) 6 d) 1 2

21 . Two equal glasses are 12 and

23 full of

milk respectively. The two are completely filledup with water. The contents of the two glassesare then mixed in another vessel. The ratio ofmilk and water in the vessel is

a) 5: 7 b) 7: 5c) 1: 1 d) 2: 3

22 . An amount is to be distributed among A,Band C in the ratio 3:7:5 respectively. If thedifference in the shares of A and B is Rs. 7,600/- what will be the share of C?

a) Rs. 5,700 b) Rs. 19,000c) Rs. 9,500 d) Rs. 10,000

23 . Two varieties of oil are mixed in the ratio4:3 to produce first quality and if they aremixed in the ratio 2:3 second quality is ob-tained. How many kg. of the first quality bemixed with 10kg of the second quality so thata third quality having the two verieties in the

ratio 5 : 4 may be produced?a) 48 kg b) 42 kgc) 88 kg d) 98 kg

24 . The ratio of the number of gents to la-dies in a party was 2:3. When 20 more gentsjoined the group, the ratio was reversed. Thenumber of ladies in the party was

a) 1 6 b) 2 4 c) 3 0 d) 3 625 . The HCF of three numbers is 12. If theyare in the ratio of 1:2:3, the numbers are

a) 12,24,36 b) 10,20,30c) 5,10,15 d) 4,8,12

26 . If the ratio of the areas of two squares is1:4, the ratio of their perimeters is

a) 1: 2 b) 1: 4c) 1: 6 d) 1: 8

27 . Two numbers are such that their differ-ence, their sum and their product are in theratio of 1:7:24. The product of the numbersis

a) 6 b) 1 2 c) 2 4 d) 4 828 . The incomes of A, B and C are in the ra-tio 7:9:12 and their spending are in the ratio

8:9:15. If A saves 14 th of his income, then

the savings of A,B and C are in the ratio ofa) 56:99:69 b) 99:56:69c) 69:56:99 d) 99:69:56

29 . Rs. 180 contained in a box is made up ofone rupee, 50 paise, and 25 paise coins in theproportion of 2:3:4. What is the number of 50paise coins?

a) 1 5 0 b) 1 8 0c) 2 4 0 d) 120

30 . 81 is divided into three parts, such thathalf of the first part, one-third of the secondpart and one-fourth of the third part are equal.The third part is more than the first by

a) 9 b) 1 8c) 2 7 d) 3 6

ANSWERS TO PRACTICE TEST

1 . (a) 2. (d) 3. (d) 4. (b) 5. (b) 6. (b) 7. (d) 8. (a)

9 . (c) 10 . (b) 11 . (c) 12 . (a) 13. (b) 14 . (b) 15 . (c) 16.(c)

17 . (b) 18 . (a) 19 . (c) 20 . (d) 21.(b) 22 . (c) 23 . (d) 24.(b)

25 . (a) 26 . (a) 27 . (d) 28 . (a) 29.(d) 30 . (b)

Page 16: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

VBODMAS'VBODMAS' (Vinculum - Bracket - Of - Division- Multiplication - Addition - Subtraction) ruleshould be applied for solving problems involvingone or more mathematical operations like mul-tiplication, division, addition, subtraction etc.Such problems are solved in the order of vincu-lum, bracket, of, division, multiplication, addi-tion and subtraction. Remember 'Of' inVBODMAS means multiplication.Solved Examples

1. 45 - 4 x 6 - 5 + 14 7 = ?45 - 4 x 6 - 5 + 14 7 = 45- 24- 5 + 2 = 18

2. 21 3 (10 - 3) - 20 + 1 = ?= 21 3 x 7 - 20 + 1= 7 x 7 - 20 + 1= 49 - 20 + 1 = 30

3. 3 of ?61

54

54

3 of 45

45

16

125

45

16

125

54

16

3 16

3 16

x

4.

3 8 5 4 2 2 81 3

( ) ( ) ?

1334233

3 3 2 1 3

3 4x

137x33

71333

713

3x73x13

5.( ) ?4 4 4 46 6 6 6

( )4 4 4 46 6 6 6

12 4

6 6 13

13

SIMPLIFICATION USING IDENTITIES1. a x (b + c) = a x b + a x c

2. (a + b)2 = a2 + 2ab + b2

3. (a - b)2 = a2 - 2ab + b2

4. (a + b)2 = (a - b)2 + 4ab

5. (a - b)2 = (a + b)2 - 4ab6. (a - b) (a + b) = a2 - b2

7. (a + b)3 = a3 + 3ab (a + b) + b3

8. (a - b)3 = a3 - 3ab (a - b) - b3

9. a3 + b3 = (a + b) (a2 - ab + b2)

10. a3 - b3 = (a - b) (a2 + ab + b2)

11.a b

a ab ba b

3 3

2 2

12.a b

a ab ba b

3 3

2 2

13.a ab b

a b a b

2 2

3 31

14.a ab b

a b a b

2 2

3 31

15. (a + b)2 + (a - b)2 = 2 (a2 + b2)16. (a + b)2 - (a - b)2 = 4ab

Simplification

QUANTITATIVE APTITUDE

Page 17: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

CLASSIFICATION OF FRACTIONS1 . Proper Fraction : A Proper fraction is onewhose numerator is less than its denomina-tor .

eg. ,13

49

2 . Improper Fraction : An improper fractionis one whose numerator is equal to or greaterthan its denominator

eg. ,65

44

3 . Mixed Fraction: A mixed fraction is aquantity consisting of two parts, one a wholenumber and other a proper fraction.

eg. ,4 18

9 34

A mixed fraction can always be expressed asan improper fraction.

eg x. ( )5 23

5 23

5 3 23

173

Similarly an improper fraction can always beexpressed as a mixed fraction. For that dividethe numerator by the denominator and writethe quotient as the whole number part of themixed fraction, the remainder as the numera-tor and the divisor as the denominator.

eg. ;195

3 45

267

3 57

Basic Property of Fractions1 . The value of a fraction is not altered bymultiplying the numerator and denominator bythe same number.

ie. ab

axcbxc

acbc

2 . The value of a fraction is not altered by

dividing the numerator and the denominator bythe same number.

ie ab

a cb c

.

Reduction of a fraction to its lowest termsTo change a fraction to its lowest terms,

divide its numerator and denominator by theH.C.F. of the numbers.

eg. Reduce 1236 to its lowest terms.

1236

12 1236 12

13

(Since H.C.F. of 12 and 36 is 12)Reducing fractions to their commondenominators

To reduce fractions to their commondenominators, change the denominators intotheir L.C.M.

eg. 34

45

,

L.C.M. of 4 and 5 = 20

To convert the denominator of 34 into 20,

multiply it by 5. To convert the denominator of45 into 20, multiply it by 4.

(ie) 3 54 5

4 45 4

1520

1620

xx

xx

ie; ( ) ;

Comparing Fractions

Let ac and

bc , be two fractions with same

denominator c.

FRACTIONS

Page 18: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

Thenac

bc

if a>b eg. 45

35

ac

bc

if a<b eg. 13

23

ac

bc

if a=b eg. 12

12

Addition and Subtraction of FractionsMethod : Convert the fractions with the samedenominator by taking L.C.M. and then add orsubtract.Examples

1 .37

27

3 27

57

2 .14

34

44

1

3 .27

49

?

L.C.M. of 7, 9 = 63

27

49

1863

2863

4663

4 .23

34

45

?

L.C.M. of 3, 4 and 5 is 60

23

34

45

4060

4560

4860

= 40 45 48

6013360

2 1360

5 . 6 34

3 45

?

6 34

3 45

6 3 34

45

( )

= 3 15 1620

3 120

= 2 1 120

2 1920

6 . 13 13

12 34

1156

10 1112

?

L.C.M. of 3, 4, 6 and 12 is 12

= ( )13 10 12 11 13

1112

34

56

= 0 4 11 9 1012

412

13

Multiplication of fractions1 . To multiply a fraction by a whole num-ber, multiply the numerator by the whole num-ber.

eg x x. ( )2 35

2 35

65

2 . To multiply a fraction by another fractionmultiply corresponding numerators and denomi-nators and then simplify.

eg x xx

. 45

312

4 35 12

15

Division of Fractions1 . To divide a fraction by a whole number,multiply the denominator of the fraction by thewhole number.

egx

. 23

7 23 7

221

2 . To divide a fraction by a fraction, find thereciprocal of the divisor and then multiply.

eg. 65

1210

45

32

54

32

Note: Cancellation can be performed only tomultiplication and division of fractions; it cannot be perfomed in addition or subtraction offractions.Point to remember:1 . To multiply a whole number and a mixed

Page 19: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

fraction together, perform separate multiplica-tion and then add the results.

eg x x x. ( )1 8 5 23

18 5 1 8 23

1021290

2 . To divide a mixed fraction by a wholenumber divide the whole number part of themixed fraction by the divisor (let the quotientbe a). Reduce the remainder to a single frac-tion and divide this single fraction by the divi-sor. (Let the quotient be b). Now the requiredresult is a+b.

eg. 2123

4

4 2123

5) (

20

1 23

53

Now 53

4 53

14

512

x

2123

4 5 512

5 512

More Solved Examples1 . There are 40 students in a class. One day

only 7

10 th of total students were present.

Find the number of absentees on that day.Number of absentees= Fraction of absentees x Total number

= 17

1040 12

x students

2 . A man spends 25 of his salary on food,

310 of his salary on house rent and

18 of the

salary on clothes. He still has Rs. 1,400 leftwith him. Find his total salary.

Totally he spends 25

310

18

of his to-

tal salary.

He saves 1 25

310

18

part of his sal-

ary.

13340 x total salary = 1400

(ie) 7

40x total salary = 1400

total salary = 1400 407

8000x Rs .

3 . In an examination, a studnet was asked

to find 3

14 of a certain number. By mistake,

he found 34 of it. His answer was 150 more

than the correct answer. Find the given num-ber.

Let the given number be x, then

150143x

43x

x x

34

314

1501528

150

x = 150 28

15280x

4 . By how much is 45 of 70 less than

57 of

11 2?57

112 45

70 5 16 4 14 24x x x x

5 .5

12 part of what amount will be equal to

Page 20: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

3 34 part of Rs. 100.

Let the amount be Rs.y

512

3 34

100of y of

5

12154

100y x

y x x15 1004

125

y 900

Decimal FractionsFractions that have powers of 10 in the

denominators are called decimal fractions.

(ie) Fractions whose denominators are 10, 102,103, 104 ......... are called decimal fractions.

eg. 0.5, 0.063, 8.98 etc.Here

0.5 =5

100 063 63

10008 98 898

100; . ; .

Annexing zeros to the extreme right ofdecimal fraction does not change its value. 0.47= 0.470 = 0.4700 etc.

Addition

For adding a decimal number with anotherdecimal number or with another whole num-ber write the given number in such a way thatthe number of decimal places are equal for allthe numbers.

eg. 2+0.63 + 0.712

Here maximum number of decimal place= 3

Convert all the numbers to 3 decimal places.

2+ 0.63 + 0.712 =

2.000 + 0.630 + 0.712 = 3.342

SubtractionIn subtraction also, the given numbers are

to be written in such a way that the number ofdecimal places become equal for all numbers.

eg. 5 - 0.473Maximum number of decimal place= 3 (in 0.473)ie. 5-0.473=5.000 - 0.473 = 4.527

Multiplication1 . Multiplication of a Decimal Fraction by apower of 10:

Shift the decimal point to the right by asmany places of decimal as the power of 10.eg. 4.5291 x 100 = 452.912 . Multiplication of two or more decimalfractions :0.002 x 0.08 x 0.5 = ?Step 1: Multiply the given numbers as if theyare without any decimal point.

ie. 2x8x5 = 80Step 2 : Add the total number of decimalplaces in the given numbers

ie 3+2+1 = 6Step 3 : Write the result of step 1 and con-vert it to a number whose number of decimalplaces is same as the number obtained in step2 by shifting the decimal point to the left.

0.002x0.08x0.5=0.000080 = 0.00008Division1 . While dividing a decimal fraction by pow-ers of 10, the result is obtained by shifting thedecimal point to the left by as many places ofdecimal as is the power of 10.

eg. 3.45 10 = 0.345961.1 100 = 9.611

2 . While dividing a decimal fraction by a natu-ral number, divide the given fraction withoutthe decimal point by the given natural number.In the answer thus got, place the decimal point

Page 21: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

to the left as many places of decimal as arethere in the dividend.

eg. 12525. ?

First step is 12525

5

12525

0 05. .

3 . While dividing a decimal fraction by a deci-mal fraction, shift the decimal point to the rightof the dividend and the divisor both by equalnumber of digits such that the divisor is con-verted into a whole number.

eg. ..

. .3153 5

31535

0 9

28 60143

28600143

200..

Expressing a decimal into a vulgar fractionPut 1 in the denominator under the deci-

mal point and annex with it as many zeros as isthe number of digits after the decimal point.Remove the decimal point and reduce the frac-tion to its lowest terms.

Thus 01251000

1251000

18

..

If numerator and denominator of a frac-tion contain the same number of decimalplaces, then we may remove the decimal sign.

eg. ..

8 869 25

886925

To multiply a decimal by any multiple often, move the decimal point as many places tothe right as is the number of zeros in the multi-plier. To divide a decimal by any multiple of tenmove the decimal point as many places to theleft as is the number of zeros in the divisor.

When a divisor as well as dividend is adecimal, we multiply both the dividend and thedivisor by suitable multiple of 10 to make thedivisor a whole number and then proceed divi-sion.Solved Examples:1 . Evaluate 237x237+ 363x363+2x237x363

Given expression is of the forma2 + b2 + 2ab = (a+b)2

= ( ) ( )237 363 600 3600002 2

2 . 221 2202 2 ?

Given expression isa2 - b2 =(a+b) (a-b)= (221 + 220) (221 - 220)= 441 x 1 = 21

3 .0 45 0 45 0 45 0 21 0 21 0 21

0 45 0 45 0 45 0 21 0 21 0 21. . . . . .

. . . . . .x x x xx x x

Given expression is of the form

a b3 3

a ab b2 2

4 .4 7 6 5 5 3 6 513 7 9 13 6 9. . . .. . . .

?x xx x

Given expression is a bcy dy

a bc d y

x x x

( )( )

( . . ) .( . . ) .

..

4 7 5 3 6 57 9 6 9 13

10 6 51 13

50

x

x

5 .0 75 0 75 0 74 0 74

149. . . .

.?x x

Given expression is a ba b

a b2 2

a b 0 45 0 21 0 24 . . .

Page 22: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

= 0.75 - 0.74 = 0.01

6 .6 4 6 4 2 6 4 3 6 3 6 3 6

6 4 3 62 2. . . . . .

( . ) ( . )?x x x x

The given expression is a ab b

a b

2 2

2 22

=( )

( )( )( . . )( . . )

a ba b a b

a ba b

2 6 4 3 66 4 3 6

=102 8

10028

257

3 47.

7 . 0.7 x 0.7 x 0.7 - 0.3 x 0.3 x 0.3- 3x0.7x0.3x0.4 = ?The given expression isa3 - b3 - 3ab (a-b)= (a-b)3=(0.7-0.3)3=(0.4)3

= 0.0648 . Simplify

7 12

2 14

1 14

12

1 12

13

16

7 12

2 14

1 14

12

1 12

13

16

= 7 12

2 14

1 14

12

1

x

= 7 12

2 14

34

= 7 12

94

43

7 12

3 4 12

x

9 . Find the value of 4 5

1 1

3 1

2 14

4 5

1 1

3 1

2 14

=

4 5

1 1

3 49

= 4 5

1 93 1

=

= 4 318

32 318

18

10 . Find the value of

1 12

1 12

1 13

1 13

1 14

1 14

1 12

1 12

1 13

1 13

1 14

1 14

= 1 14

1 19

1 116

=34

89

1516

58

x x

11 . Find the value of

2 2 12 2

12 2

2 2 12 2

12 2

=

2 2 2 2 2 2

2 2 2 2

= 2 2 2 22 4

= 2 2 2 2

Page 23: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

6 . 2 of 34

34

14

?

a)49

b)32 c) 2 d) 2 1

4

7 .2 3 5 2 3 5 3 5 3 5

9 6 9 6 2 9 6 8 6 8 6 8 6. . . .

. . . . . .?x x

x x x x

a) 5 4 0 b) 2 7 c) 5 4 d) 6 7 08 . 32.5x32.5-2x32.5x2.5+2.5x2.5= ?

a) 9 0 0 b) 3 0 c) 5 0 0 d) 12 25

9 .8 9 8 9 8 9 14 14 148 9 8 9 8 9 14 14 14

. . . . . .. . . . . .

?x x x xx x x

a) 7 5 b) 10. 3 c) 14. 5 d) 7 . 5

10 .24 4 24 4 2 24 4 5 6 5 6 5 6

24 4 24 4 5 6 5 6. . . . . .

. . . .?x x x x

x x

a)1880 3.. b)

18830 c)

4775 d)

1625

11.0.7x0.7x0.7+0.3x0.3x0.3+3x0.7x0.3=?a) 4 b) 1 c) 1 0 d) 1 6

12 .( . ) . . ( . )( . ) . . ( . )

?0 356 2 0 356 0106 01060 632 2 0 632 0 368 0 368

2 2

2 2x x x

x x

a) 0. 625 b) 0. 0625c) 0. 0345 d) 0. 345

13 . 0637 0637 2 0637 0395 0395 03950242

. . . . . ..

?x x x x

a) 1. 132 b) 0. 242c) 1. 422 d) 1

14 .475 475 475 125 125 125475 475 125 125 475 125

. . . . . .. . . . . .

?x x x xx x x

a) 5 .25 b) 3 . 5 c) 0 d) 6

15 .7 7 5 7 7 5 2 2 5 2 2 5 7 7 5 2 2 57 7 5 7 7 5 7 7 5 2 2 5 2 2 5 2 2 5

x x xx x x x

?

a) 10 00 b) 0 .01c) 0. 001 d) 0.0001

12 . If xy

34 then find the value of

67

yy

xx

67

67

1

1

y xy x

xyxy

= 67

1 34

1 34

=67

1474

67

17

1

PRACTICE TEST

1 . 20 - [9-{7+(2x3)} +5] = ?a) 2 0 b) 1 5 c) 1 7 d) 1 9

2 . 6+[2+{4x(8-3) - (2x6)-1}+2]= ?a) 1 7 b) 1 3 c) 1 9 d) 1 5

3 .15

of 35+4 (9-3) = ?

a) 3 1 b) 1 5 c) 2 4 d) 4 2

4 .12

13

14

112

x

a)13

b)45 c)

12 d)

16

5 .( ) ?7 7 7 73 3 3 3

a)3

11 b)3

13 c)57 d)

37 +

Page 24: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

16 .( . . ) ( . . )

. .?

0 337 0 126 0 337 0 1260 337 0 126

2 2

xa) 0. 211 b) 0. 463c) 4 d) 2 .11

17 .( ) ( )

( ) ( )?6 9 5 3 45 6 9 5 3 45

6 95 3 45

2 2

2 2

a)2 b) 3 4 5 c) 6 9 5 d) 4

18 .( . . ) ( . . )

. . . .?4 621 2 954 4 621 2 954

4 621 4 621 2 954 2 954

2 2

x x

a) 4 b) 2 c) 0 d) 1

19 . 6 4 85 2 6 48 5 2 24 8 52 2 4 85 26 4 85 2 2 48 5 2

x x

?

a) 20000 b) 80000c) 30000 d) 40000

20. 126.5x126.5-2x126.5x6.5+6.5x6.5=?a) 12000 b) 14400c) 17689 d) 14 40

21 . 0 52 0 52 0 4 0 4 2 0 52 0 40 52 0 4

. . . . . .. .

?x x x x

a) 1 . 2 b) 0 .92c) 0 .48 d) 0 .12

22 .( . ) .

( . ) . .?4 8 0 0 27

4 8 1 4 4 0 0 9

3

2

a) 4 . 5 b) 0 .45 c) 5 . 1 d) 2 .20

23 .1

1 1

1 12

?

a) 3 b)53

c) 1 d)35

24 . 5 34

2 12

0 5 16

17

. ?

a) 11984 b) 2 61

84 c) 2 2384 d) 2 47

84

25 .

3 14

45

56

4 13

15

31 0

2 1 15

of?

a) 16 b) 2 7

12

c) 15 12 d) 21 1

2

26 .12

12

34

12

78

34

?

a)2716 b)

2732

c)2764 d)

107112

27 .15

15

15

15

15

15

of

of?

a) 1 b) 5 c)15 d) 2 5

28 . 79 24 11 6

5 9 13 12

x

x ( )?

a) 8 720 b)

554

c)54

d)120

29 . If ab

78 , then

1423

22

b ab a

is equal

t o

a)5

14 b)59 c)

523 d)

592

Page 25: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

ANSWERS TO PRACTICE TEST

1 . (d) 2 . (a) 3 . (a) 4 . (c) 5 . (d) 6 . (d) 7 . (a) 8 . (a)

9 . (d) 10 . (c) 11 . (b) 12 . (b) 13. (b) 14 . (d) 15 . (c) 16 . (c)

17 . (a) 18 . (b) 19 . (d) 20 . (b) 21.(d) 22 . (a) 23 . (d) 24 . (c)

25 . (c) 26 . (b) 27 . (d) 28 . (b) 29.(c) 30 . (d) 31 . (c) 32.(b)

33 . (a) 34 . (b) 35 . (c) 3 6 (c) 37. (a) 38. (c) 39. (a) 40.(b)

30 . 2 13

2 35

2 57

2 79

2 997999

..... ?

a)5

999 b)7

1000

c) 10007

d)1001

3

31 . If ab

43

, then the value of 6 46 5a ba b

is

a) -1 b) 3 c) 4 d) 5

32 . If 1 1

213

14

1 12

13x

, then the

value of x is

a)14 b)

1322 c) 2 d) 4

33 . 1

2 1

2 1

2 12

?

a)8

19 b)198 c)

78 d)

89

34 . 1 1

1 1

1 19

?

a) 159 b) 110

19 c)1019 d)

1910

35 . If (a-b) is 6 more than (c+d) and (a+b) is3 less than (c-d), then (a-c) isa) 0 . 5 b) 1 . 0 c) 1 . 5 d) 2 . 0

36 . The expression(7.98 x 7.98+7.98x x + 0.02 x 0.02) willbe a perfect square for x equal toa) 4 . 0 b) 0 . 4c) 0 .04 d) 0. 004

37 . The sum of the smallest six digit numberand the greatest five digit number isa) 199999 b) 201110c) 211110 d) 1099999

38 . The sum of two numbers is 22 and theirdifference is 14. Find the product of thenumbers.a) 7 0 b) 7 5 c) 7 2 d) 8 2

39 . The sum of squares of two numbers is80 and the square of their difference is36. The product of the two numbers isa) 2 2 b) 4 4 c) 5 8 d) 1 1 6

40 . The product of two numbers is 120. Thesum of their squares is 289. The sum ofthe two numbers isa) 2 0 b) 2 3 c) 1 6 9 d) 1 5 0

Page 26: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

Points to remember1 . If A can finish a piece of work in `n' days,

then A's 1 day's work is 1n .

2 . If the number of men engaged to do apiece of work is changed in the ratio a:b, thetime required for the work will be changed inthe ratio b:a3 . If A is X times as good a workman as B,

then A will take 1x of the time that B takes

to do a certain work.4 . If M1 persons can do `W1' works in D1days for T1 hours and M2 persons can do `W2'works in D2 days for T 2 hours thenM1 D1 T1 W2 = M2 D2 T2W1.5 . If A can finish a work in `x' days and Bcan finish the same work in `y' days, then

time taken by both to finish the work is x

xy

ydays6 . If A and B together can do a piece ofwork in x days and A alone can do it in y days

then B alone can do it in xyxy days

7 . If A, B and C can do a work in x,y, and zdays respectively, then all of them working

together can finish the work in x

xyz

y yz xz days8 . If two taps A and B take a and b hoursresepectively to fill a tank, then the two taps

together fill 1a

1b

part of the tank in an hour

and the entire tank is filled in 1

12

1

b

aba b( )

hours.Solved Examples:

1 . 8 boys can arrange all the books of schoollibrary in 12 days. In how many days can 6boys arrange them?Ans: M1 D1 = M2 D2

D x2

8 126 = 16 days

2 . A can do a piece of work in 12 days andB alone can do it in 15 days. How much timewill both take to finish the work?

Ans: A's 1 day's work = 112

B's 1 day's work = 115

(A+B)'s 1 day's work =1

121

153

20

Both together can finish the work in

203

6 23

or days

Using formula :Time taken to finish the work

=x

xy

yx

12 1512 15

=12 15

27203

6 23

x or days

3 . A and B together can do a piece of workin 12 days. B alone can finish it in 30 days. In

Time and Work

Page 27: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

how many days can A alone finish the work?

Ans: (A+B)'s 1 day's work = 1

12

B's 1 day's work = 1

30

A's 1 day's work = 1

121

301

20

A alone can finish the work in 20 days

Using formula :

Time taken by A to finish the work = x

xy

y

=12 3030 12

12 3018

20x x days

4 . 16 men can do a piece of work in 10days. How many men are needed to completethe work in 40 days?Ans: Using formula.

M1 D1 = M2 D2

M1 = 16, D1 = 10, D2 = 4016x10 = M2 x 40

M2 = 16 10

40x

= 4 men

5 . A and B can do a piece of work in 18days, B and C in 24 days, A and C in 36 days.In what time can they do it all working to-gether?Ans: [(A+B)+(B+C)+(A+C)]'s 1 day's work

= 1

181

241

3618

or 2 (A+B+C)'s 1 day's work = 18

or (A+B+C)'s 1 day's work = 1

16

So they all can finish the work in 16 days6 . 4 men and 6 women finish a job in 8 days,while 3 men and 7 women finish in 10 days. In

how many days will 10 women finish it?Ans: Considering one day's work,

4M + 6W = 18 ....... (1)

3M + 7W = 1

10 ...... (2)

(1) x 3 - (2)x 4 gives

18W - 28W = 1

10 or 10W = 1

40

10 Women can do the work in 40days7 . A certain number of men complete apiece of work in 60 days. If there were 8 menmore, the work could be finished in 10 daysless. How many men were there originally?Ans: Let the original number of men be x.

M1 = x, D1 = 60, M2 = x +8, D2 = 50,M1 D1 = M2 D2

x x 60 = (x+8) x 5060x - 50x = 400

10x = 400 x = 40

8 . A cistern can be filled separately by twopipes in 12 and 16 minutes respectively. If bothpipes are opened together, when will the cis-tern be filled?

Ans: Work done by Ist pipe in 1 minute = 1

12

Work done by 2nd pipe in 1 minute = 1

16

Work done by both in 1 minute= 1

12116

=4 348

748

Both the pipes together will fill the cistern

in 487 minutes ie, 6

67 minutes.

Page 28: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

Using formula :Time taken to fill the cistern by both the pipes

ab

a b12 1612 16

6 67

x minutes

9 . Two inlet pipes of filling rate 10 minutesper cistern and 6 minutes per cistern and oneoutlet pipe of emptying rate 15 minutes percistern are all fitted to a cistern and are openedtogether. Find when the cistern will be full?Part of the cistern filled by working the threepipes in one minute.

=1

1016

115

15

Time needed to fill the full cistern = 5minutes10 . A cistern can be filled separately by twopipes A and B in 36 minutes and 45 minutesrespectively. A tap C at the bottom can emptythe full cistern in 30 minutes. If the tap C isopened 7 minutes after the pipes A and B areopened, find when the cistern becomes full.Ans: Part of the tank filled by A and B in7 minutes

= 71

361

457

20x

1 720

1320 of the tank should be

filled.Part filled by A, B and C in 1 minutes

=1

361

451

301

60

Time needed to fill 1320 part of the tank

1320

60 39x minutes

Total time taken to fill the tank= 39 + 7 = 46 minutes

PRACTICE TEST

1 . Ramesh alone does a piece of work in 4days and Suresh does it in 12 days. In howmany days will the two do it together?

a) 3 days b) 112 days

c) 4 days d) 8 days2 . Pranesh and Sumesh can finish a work in16 days while Pranesh can do the same workin 24 days. In how many days can Sumeshalone finish the same work?

a) 40 days b) 25 daysc) 48 days d) 20 days

3 . Vinod can do a work in 15 days, Vijay in25 days and Vinay in 30 days. How long willthey take to do the work if they work together?

a) 12 days b) 7 17 days

c) 70 days d) 20 days4 . If A, B and C together can finish a pieceof work in 4 days, A alone in 12 days and B in18 days, then C alone can do it in

a) 21 days b) 15 daysc) 12 days d) 9 days

5 . 3 men or 6 women can do a piece of workin 20 days. In how many days will 12 men and8 women do the same work?

a)72 b)

154

c) 5 d) 46 . Some persons can do a piece of work in12 days. Two times the number of those per-sons will do half of that work in

a) 3 days b) 4 daysc) 6 days d) 12 days

7 . 3 men can do a work in 6 days. After 2days 3 more men joined them. How many dayswill they take to complete the remaining work?

a) 5 days b) 4 daysc) 3 days d) 2 days

8 . A is twice as good a workman as B andthey took 7 days together to do the work. Balone can do it in:

a) 12 days b) 18 daysc) 21 days d) 16 days

Page 29: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

9 . A can do a piece of work in 25 days andB can do the same work in 30 days. They worktogether for 5 days and then A leaves. B willfinish the remaining work in

a) 21 days b) 11 daysc) 20 days d) 19 days

10 . An army of 2000 men had enough foodto last for 30 days. After 10 days 500 moremen joined them. How long did the food lastthen?

a) 20 days b) 15 daysc) 12 days d) 16 days

11 . Amar can do a piece of work in 15 days.When he had worked for 3 days, Sameer joinedhim and the remaining work was finished in 8days. In how many days can Sameer alone fin-ish the whole work?

a) 30 days b) 27 daysc) 20 days d) 24 days

12 . A, B and C can do a piece of work in 18days, 27 days and 36 days respectively. Theystart working together. After working for 4days, A goes away and B leaves 7 days be-fore the work is finished. Only C remains atwork from beginning to end. In how many dayswas the whole work done?

a) 17 days b) 18 daysc) 16 days d) 15 days

13 . A and B can do a piece of work in 6 days.B and C in 4 days and A and C in 5 days. Howlong will they take to complete the work ifthey work together?

a) 3 937 days b) 15 days

c) 12337 days d) 6 9

37 days

14 . A man, a woman or a boy can do a pieceof work in 3,4 and 12 days respectively. Howmany boys must assist 1 man and 1 women todo the work in 1 day?

a) 5 boys b) 6 boysc) 2 boys d) 20 boys

15 . Two pipes can fill a tank in 9 hours and12 hous respectively. In how much time willthey fill the tank when opened together?

a) 3 12 hours b) 5 1

7 hours

c) 5 hours d) 3 23 hours

16 . A tap can fill a tank in 8 hours and an-other can empty it in 16 hours. If both thetaps are opened simultaneously, the time (inhours) to fill the tank is:

a) 8 b) 1 0 c) 1 6 d) 2 417 . A cistern can be filled by a pipe in 15hours. But due to a leak in the bottom the cis-tern is just full in 20 hours. When the cisternis full, the leak can empty it in:

a) 60 hours b) 40 hoursc) 45 hours d) 30 hours

18 . A cistern can be filled by pipes A and Bin 20 hours and 30 hours respectively. Whenfull, the tank can be emptied by pipe C in 60hours. If all the taps be turned on at the sametime the cistern will be full in

a) 10 hours b) 15 hoursc) 16 hours d) 30 hours

19 . Two pipes A and B can separately fill atank in 12 minutes and 15 minutes respec-tively. Both the pipes are opend together but4 minutes after the start, pipe A is turned off.How much time will it take to fill the tank?

a) 11 min b) 12 minc) 6 min d) 8 min

20 . Two pipes A and B can fill a cistern in 24minutes and 32 minutes respectively. If boththe pipes are opened together, then after howmany minutes B should be closed so that thetank is full in 18 minutes?

a) 6 b) 8 c) 1 0 d) 1 2

ANSWERS TO PRACTICE TEST1 . (a) 2 . (c) 3 . (b) 4 . (d) 5 . (b) 6 . (a) 7 . (d) 8.(c)9 . (d) 10 . (d) 11 . (a) 12 . (c) 13. (a) 14 . (a) 15 . (b) 16.(c)17 . (a) 18 . (b) 19 . (c) 20 . (b)

Page 30: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

Interest is the money paid by the borrowerto the lender for the use of money lent. Inter-est is of two kinds, simple and compound.Money borrowed or deposited is called theprincipal. The sum of principal and interest iscalled the amount.i) Simple Interest:

If the interest on a certain sum borrowedfor a certain period is reckoned uniformly, it iscalled Simple Interest.

The simple interest (I) for a principal (P)for (N) years at (R) rate percent per annum is

I = PNR100

P = I I IxNxR

R xPxN

N xPxR

100 100 100; ;

ii) Compound Interest:Money is said to be lent at Compound

Interest if the interest is not paid as soon as itfalls due, but is added to the principal after afixed period, so that the amount at the end ofthe period, becomes the principal for the nextperiod.

a) When interest is compounded annu-ally:

Amount = P 1100

R N

b) When interest is compounded halfyearly:

Amount = P 1200

2

R N

c) When interest is compounded quar-terly

Amount = P 1400

4

R N

d) C.I.=P 1100

R N

P (or)

= P 1100

1

R N

Solved Examples:1 . Calculate the amount on Rs. 4480 at 8%per annum for 3 years.

Ans: S.I. = PxNxR100

= Rs. 4480 3 8

1001075 20

x xRs . .

Amount = Rs. (4480 + 1075.20)= Rs. 5555.20

2 . S.I. on Rs. 1500 at 7% per annum for acertain time is Rs. 210. Find the time

Ans: Time, N = 210 1001500 7

xx = 2 years

3 . A certain sum of money at simple inter-est amounts to Rs. 1260 in 2 years and to Rs.1350 in 5 years. The rate percent per annumis -------Ans: S.I. for 3 years = Rs. (1350 - 1260)=Rs. 90

S.I. for 2 years = Rs. 903

2x = Rs. 60

Principal = Rs. (1260 - 60) = Rs. 1200

Simple & Compound Interest

Page 31: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

Rate, R = 100 601200 2

2 5%xx

% .

4 . A man invested 13 of his capital at 7%,

14 at 8% and the remainder at 10%. If his

annual income is Rs. 561, the capital is ------Let the capital be Rs. x. Then,

x x x3

7100

14

8100

1 512

10100

1 561x x x x x x

7

3008

4001 5

1200561x x 0xx x

1021200

561x

x = 561 1200102

6 600x Rs. ,

5 . Find the sum of money which increases

110 of itself every year and amounts to

Rs. 450 in 5 years at S.I.Ans: Let P = Rs. 100

S.I. = Rs. 100 x 110 = Rs. 10

S.I. for 5 years = Rs. 50Amount after 5 years=100+50

=Rs. 150If the amount is Rs. 150, P = Rs. 100

If the amount is Rs. 450,

P x Rs 100 450

150300.

6 . A sum was put at simple interest at acertain rate for 2 years. Had it been put at1% higher rate, it would have fetched Rs. 24more. Find the sum.Ans: Let the sum be Rs. x and rate be R% and(R+ 1)%

Then, x xx R x x Rx( )

1 2

1002

10024

2100

2100

2100

24x x xR R

x = 24 100

21200x Rs . ,

7 . Find compound interest on Rs. 5,000 at10% per annum for 3 years

Ans: Amount = P 1100

R N

= 5000 1 10100

3

= Rs. 6,655

Compound Interest

= Rs. (6,655 -5,000) = Rs. 1,6558 . If the compound interest on a certain sumfor 3 years at 20% per annum is Rs. 728, findthe simple interest.

Ans: Given that P 1 20100

3

- P = Rs. 728

or 1.728 P - P = Rs. 728

P Rs. ,1000

Now, S.I. = Rs. 1000 3 20

100600x x Rs .

9 . The difference between the compoundinterest and the simple interest on a certainsum at 10% per annum for two years isRs. 60. Find the sum.Ans: Let the sum be Rs. x

So, S.I. =Rs. x xx x Rs10 2

100 5 .

C.I.=Rs.x 1 10100

21100

2

x xRs.

Page 32: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

ANSWERS TO PRACTICE TEST

1 . (b) 2 . (c) 3 . (d) 4 . (b) 5 . (b) 6 . (b) 7 . (c) 8.(a)

9 . (d) 10 . (b) 11 . (b) 12 . (b)

C I S I Rs. . . . .21100 5 100

60x x x

x = Rs. 6,000

PRACTICE TEST

1 . At what rate percent per annum will asum of Rs. 3,600 become Rs. 4,500 in 10 yearsat simple interest?

a) 5 % b) 2 . 5%c) 1 0 % d) 6 .75%

2 . A sum of Rs. 1600 lent at simple inter-est at 12.5% per annum will become doublein

a) 6 years b) 7 12 years

c) 8 years d) 9 14 years

3 . The difference in simple interest at 13%and 12% p.a. of a sum in one year is Rs. 110.Then the sum is

a) Rs. 13,000 b) Rs. 15,000c) Rs. 10,000 d) Rs. 11,000

4 . The difference in the interests receivedfrom two different banks on Rs. 1000 for 2years is Rs. 20. Thus, the difference in theirrates is

a) 2 % b) 1 %c) 1 . 5% d) 0 . 5%

5 . Find out the capital required to earn amonthly interest of Rs. 600 at 6% simple in-terest.

a) Rs. 1 lakhs b) Rs. 1.2 lakhsc) Rs. 1.1 lakhs d) Rs. 1.3 lakhs

6 . A man invested 1/3rd of the sum at 7%,1/4th at 8% and the remaining at 10% for oneyear. If the annual interest is Rs. 408, thenthe investment is

a) Rs. 8,400 b) Rs. 4,800c) Rs. 5,000 d) Rs. 7,200

7 . The difference in simple interest on acertain sum of money for 3 years and 5 yearsat 18% per annum is Rs. 2,160. Then the sumis

a) Rs. 6,500 b) Rs. 4,500c) Rs. 6,000 d) Rs. 7,500

8 . At what rate percent per annum simpleinterest will a sum of money triple itself in 25year s?

a) 8 b) 8 13

c) 9 111 d) 1 0

9 . What sum of money lent out at compoundinterest will amount to Rs. 968 in 2 years at10% per annum, interest being charged annu-ally?

a) Rs. 900 b) Rs. 825c) Rs. 780 d) Rs. 800

10 . The difference between compound inter-est and simple interest on certain sum of moneyin 2 years at 4% per annum is Rs. 50. Find thesum

a) Rs. 30,550 b) Rs. 31,250c) Rs. 25,670 d) Rs. 35,400

11 . A sum of money lent at compound inter-est amounts to Rs. 1210 in two years and toRs. 1464.10 in 4 years. Find the rate of inter-est .

a) 1 2 % b) 1 0 %c) 8 % d) 1 5 %

12 . A man borrows Rs. 4,000 at 8% per an-num on compound interest. At the end of ev-ery year he pays Rs. 1,500 as part paymentof loan and interest. How much does he stillowe to the bank after 3 such annual pay-ments?

a) Rs. 1,799 b) Rs. 169.25c) Rs. 2,000 d) Rs. 234

Page 33: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

Solved Examples1 . A father was 4 times as old as his son 8years ago. Eight years hence, father will betwice as old as his son. Find their present ages.Ans: Let son's age 8 years ago be x years.

Thus, father's age at that time = 4x yearsAfter 8 years, son's age= (x+8) +8 = (x+16) yearsAfter 8 years, father's age= (4x+8)+8 = (4x+16) years

2(x+16) = 4x + 16 or x=8

The present age of the son = x+8 = 16years

The present age of the father= 4x+8 = 32+8= 40 years

2 . A is twice as old as B was two years ago.If the difference in their ages be 2 years, findA's age.Ans: Let B's age 2 years ago be x years

A's present age = 2x yearsAlso 2x - (x+2) = 2 or x=4

A's age = 2x4 = 8 years3 . The age of a father 10 years ago wasthrice the age of his son. Ten years hence, thefather's age will be twice that of his son. Theratio of their present ages is:Ans: Let the present ages of father and sonbe x and y years respectively.

Then (x-10) = 3 (y-10) or3y-x = 20 ------ (1)

and (x+10) = 2 (y+10) orx-2y = 10 ----- (2)

(1) + (2) y = 30

Substituting y = 30 in equation (1) weget x = 70

Ratio of their ages = 70 : 30 or 7:34 . Ratio of Ashok's age to Pradeep's age isequal to 4:3. Ashok will be 26 years old after6 years. How old is Pradeep now?

Ans: Ashok's present age = (26-6)= 20 years

Pradeep's present age = 20x34

= 15 years

5 . The ratio of the ages of father and son atpresent is 6:1. After 5 years the ratio will be-come 7:2. The present age of the son is:Ans: Let their present ages be 6x and x yearsrespectively.

Then 6 5

572

xx

= 2 (6x+5) = 7 (x+5) x=5

Present age of the son = 5 years.6 . Three years ago the average age of Aand B was 18 years. With C joining them now,the average becomes 22 years. How old is Cnow?

Ans: (A+B)'s total present age= (2x18+3+3) = 42 years(A+B+C)'s total present age= 22 x 3 = 66 years

C's age = 66-42 = 24 years

Problems on Age

Page 34: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

8 . Afather's age is three times the sum ofthe ages of his two children, but 20 years hencehis age will be equal to sum of their ages. Thenthe fathers age is -

a) 30 years b) 40 yearsc) 35 years d) 45 years

9 . The ratio of the father's age to the son'sage is 4:1. The product of their ages is 196.The ratio of their ages after 5 years will be:

a) 3: 1 b) 10 :3c) 11 :4 d) 14 :5

10 . In 10 years, A will be twice as old as Bwas 10 years ago. If A is now 9 years olderthan B, find the present age of B.

a) 3 9 b) 2 7c) 4 5 d) 2 6

11 . A is as much younger than B as he is olderthan C. If the sum of B's and C's ages is 40years, find the age of A.

a) 40 years b) 10 yearsc) 25 years d) 20 years

12 . The ages of Ram and Mohan differs by16 years. Six years ago, Mohan's age wasthrice as that of Ram's. Then Ram's presentage is

a) 15 years b) 20 yearsc) 14 years d) 30 years

13 . A father is 4 times as old as his son; in20 years he will be only twice as old as hisson. Then the respective ages of father andson are

a) 40, 10 years b) 80, 20 yearsc) 60, 15 years d) 48, 12 years

14 . The difference between the ages of twopersons is 8 years. 15 years ago, the elderone was twice as old as the younger one. Thenthe present age of the elder person is

a) 23 years b) 31 yearsc) 34 years d) 40 years

PRACTICE TEST

1 . A father is twice as old as his son. 20years ago, the age of the father was 12 timesthe age of the son. The present age of the sonis

a) 44 years b) 22 yearsc) 40 years d) 20 years

2 . The respective ages of a father and hisson are 41 and 16 years. In how many yearswill the father be twice as old as his son?

a) 19 years b) 9 yearsc) 15 years d) 10 years

3 . The ratio of ages of Mohan and Sohan is4:3. The sum of their ages is 42 years. Theage of Mohan is

a) 24 years b) 18 yearsc) 32 years d) 30 years.

4 . The ratio of ages of Rani and Vinita is3:5. The difference in their ages is 12 years.Then the age of Vinita is

a) 20 years b) 15 yearsc) 18 years d) 30 years

5 . Two years ago, Vinod was four times asold as Indhu. 8 years hence, Vinod's age willexceed Indhu's age by 12 years. The ratio ofthe present ages of Vinod and Indhu

a) 5: 1 b) 4: 1c) 3: 1 d) 2: 1

6 . The ages of A and B are in the ratio 3:5.After 9 years the ratio of their ages will be3:4. The present age of B is

a) 9 years b) 15 yearsc) 20 years d) 16 years

7 . A's mother was four times as old as Aten years ago. After 10 years she will be twiceas old as A. Then, A's present age is

a) 30 years b) 25 yearsc) 20 years d) 15 years

ANSWERS TO PRACTICE TEST1 . (b) 2 . (b) 3 . (a) 4 . (d) 5 . (c) 6 . (b) 7 . (c) 8.(a)

9 . (c) 10 . (a) 11 . (d) 12 . (c) 13. (a) 14 . (b)

Page 35: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

Factors and Multiples: If a number `m' dividesanother number `n' exactly, then we say that`m' is a factor of `n' and that `n' is a multipleof `m'.

eg. 3 is a factor of 12 and therefore 12is a multiple of 3.Least Common Multiple (L.C.M.)L.C.M. is the least non-zero number in com-mon multiples of two or more numbers.

Multiple of 6 = 6, 12, 18, 24, 30, ........Multiple of 8 = 8, 16, 24, 32, 40, ........Common Multiple of 6 and 8 = 24, 48

. . . . . . . . . . . . . . .Least Common Multiple = 24

Factorisation Method:Find the L.C.M. of 12, 27 and 40Factors of 12= 2x2x3 = 22x3Factors of 27= 3x3x3 = 33

Factors of 40= 2x2x2x5 = 23x5

L C M x x. . . 2 3 5 10 8 03 3

SHORT CUT METHOD(Division Method)

Find the L.C.M. of 12, 27, 40

L C M. . . 2x2x3x9x10 = 1080

2 1 2 3 2 7 2 4 02 6 3 9 2 2 03 3 3 3 2 1 0

1 1 5 51

2 12 , 27 , 4 02 6 , 27 , 2 03 3 , 27 , 1 0

1 , 9 , 1 0

HIGHEST COMMON FACTOR (H.C.F)The highest common factor of two or

more numbers is the greatest number whichdivides each of them exactly.eg. Find the H.C.F. of 24 and 56Factors of 24 = 1, 2, 3, 4, 6, 8, 12, 24Factors of 56 = 1, 2, 4, 7, 8, 14, 28, 56Common factors of 24 and 56 are 1, 2, 4, 8H.C.F. of 24 and 56 = 8Factorisation Method: H.C.F. can be found byresolving the given numbers into prime fac-tors and then taking the product of least pow-ers of all common factors, that occur in thesenumbers.

Eg. Find H.C.F. of 48, 108, 140

Factors of 48= 2x2x2x2x3= 24x3Factors of 108= 2x2x3x3x3 = 22x33

Factors of 140= 2x2x5x7 = 22 x 5 x 7H.C.F. = 22 = 4Division MethodFind the H.C.F. of 48, 108, 1402 48 , 108 , 1 4 02 24 , 54 , 7 0

12 , 27 , 3 5

H.C.F.=2x2= 4

2 4 8 2 1 0 8 2 1 4 02 2 4 2 5 4 2 7 02 1 2 3 2 7 5 3 52 6 3 9 7

3 3

L.C.M & H.C.F

Page 36: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

QUICKER & SHORT CUT METHODFind the H.C.F. of 777 and 1147 777) 11 47 (1

777 370) 777(2

7 4 0 37) 370 (10

370 0

H.C.F. of 777 and 1147 is 37* The product of two given numbers is equalto the product of their H.C.F. and L.C.M.L.C.M. of two numbers

= Product of numbers

. . .H C F of numbers

L.C.M. of given fractions

= L C M of numerators

H C F of deno ators. . .

. . . min

H.C.F of given fractions

= H C F of numerators

L C M of deno ators. . .

. . . min

The L.C.M of a given set of numberswould be either the highest or higher thanthe highest of the given numbers.

The H.C.F. of a given set of numberswould be either the lowest or lower thanthe lowest.

Solved Examples1 . Find the L.C.M. of 125,64,8 and 3.Ans : Given numbers are 53, 26, 23 and 3

L.C.M. 53x26x3 = 24,000

2 . Find the L.C.M. of 13

56

59

1027

, , , ?

Ans: L.C.M. of fractions

= L C M of numerators

H C F of deno ators. . .. . . min

L.C.M. of 1, 5 and 10 is 10H.C.F of 3, 6, 9 and 27 is 3

L.C.M. of given fractions = 103

3 . Find the H.C.F. of 12

34

56

78

910

, , , ,

Ans: H.C.F. of fractions

=H C F of numerators

L C M of deno ators. . .

. . . min

H.C.F. of 1, 3, 5, 7 and 9 is 1L.C.M of 2, 4, 6, 8 and 10 is 120

H.C.F. of given fractions = 1

1204 . The L.C.M. of two number is 2310. TheirH.C.F. is 30. If one number is 210, the otheris:Ans: The other number

= L C M xH C Fgivennumber. . . . . .

= 2310 30

210330x

5 . The H.C.F. and L.C.M. of two numbersare 44 and 264 respectively. If the first num-ber is divided by 2, the quotient is 44, Theother number isAns: First number = 2x44 = 88

Second number = 44 264

88132x

6 . The least square number which is divis-ible by 6, 8 and 15 is:Ans: The least number divisible by 6, 8 and 15is their L.C.M. which is 120

Now 120 = 2x2x2x3x5To make it a perfect square, it must be

multiplied by 2x3x5Required Number=120x2x3x5=36007 . The least number of square tilesrequired to pave the ceiling of a room 15m17cm long and 9m. 2cm broad is:Ans: Size of largest square tile

Page 37: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

= H.C.F. of 1517 cm and 902 cm= 41 cm. Least number of tiles required

= Areaof theroomAreaof one tile

= 1517 902

41 41814x

x

8. Find the least number which when dividedseparately by 15, 20, 36 and 48 leaves 3 as re-mainder in each case.Ans : Required number

= L.C.M. of (15,20,36 and 48) +3= 720 + 3 = 723

9 . Find the greatest number that will divide197 and 269 and leaves 5 as remainder ineach case.

Required number = H.C.F. of [(197-5)and (269-5)]= H.C.F. of (192 and 264) = 8

12 . Five bells begin to toll together and tollrespectively at intervals of 6,7,8,9 and 12 sec-onds. How many times they will toll togetherin one hour, excluding the one at the start?Ans: L.C.M. of 6,7,8,9 and 12

= 2x2x3x7x2x3 = 504ie, The bells will toll together after each 504seconds. In one hour, they will toll together

60 60

5047x t imes

PRACTICE TEST1 . Find the L.C.M of 12, 15, 18 and 27.

a) 1, 080 b) 5 4 0c) 2 7 0 d) 7 6 0

2 . Find the H.C.F. of 72, 48 and 30.a) 3 0 b) 1 2 c) 6 d) 3

3 . Find the L.C.M. of 22x33x53 and23x3 2x5.a) 27 ,000 b) 1 8 0c) 3 6 d) 13 ,500

4 . Find the L.C.M. of 25

310

, and 4

15

a)1

30b) 2

25

c)24

750d)

25

5 . Find the H.C.F. of 45

310

715

, and

a)15

b)845

c)8430

d)1

306 . If the L.C.M of x and y is z, their H.C.F.is.

a) zyx

b) xyz

c) zy+x

d) yxz

7 . H.C.F of two numbers is 24 and theirL.C.M is 1080. If one of the numbers is 120,find the other.

a) 2 1 6 b) 5 3 2 c) 1 0 8 d) 8 2 08 . L.C.M. of 2.5, 0.5 and 0.175 = ?

a) 2 . 5 b) 0 . 5c) 0. 175 d) 17. 5

9 . H.C.F. of two numbers is 24 and theirL.C.M is 1344. If the difference between thenumbers is 80, their sum is:

a) 3 6 8 b) 3 5 6c) 3 3 2 c) 3 0 4

10 . Find the greatest number which can di-vide 1354, 1866 and 2762 leaving the sameremainder 10 in each case.

a) 6 4 b) 1 2 4 c) 1 5 6 d) 2 6 011 . Find the least perfect square which is di-

Page 38: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

visible by 3, 4, 5, 6 and 8.a) 25 00 b) 12 00c) 36 00 d) 9 0 0

12 . The least number which when divided by15, 27, 35 and 42 leaves in each case a re-mainder 7 is:

a) 18 97 b) 19 87c) 18 83 d) 20 07

13 . Two containers contain 60 and 165 litresof milk respectively. Find the maximum capac-ity of a container which can measure the milkin each container an exact number of times(in litres)

a) 1 5 b) 3 c) 5 d) 1 014 . Two baskets contain 195 and 250 ba-nanas respectively, which are distributed inequal number among children. Find the largestnumber of bananas that can be given, so that3 bananas are left over from the first basketand 2 from the second.

a) 4 b) 1 8 c) 8 d) 6Qn: (15- 18) :- Write in ascending order

15 .12

25

34

32

, , ,

a)25

12

34

32

, , , b)34

12

25

32

, , ,

c)32

34

12

25

, , , d)32

12

25

34

, , ,

16 .53

119

56

712

, , ,

a)119

712

53

56

, , , b)7

1256

119

53

, , ,

c)56

712

119

53

, , , d)53

119

56

712

, , ,

17 .56

78

34

13

, , ,

a)78

13

34

56

, , , b)56

78

34

13

, , ,

c)34

78

13

34

, , , d)13

34

56

78

, , ,

Qn: 18- 20 Write in descending order

18 .13

25

34

16

, , ,

a)13

25

34

16

, , , b)16

25

13

34

, , ,

c)25

34

13

16

, , , d)34

25

13

16

, , ,

19 .56

78

1112

310

, , ,

a)56

78

1112

310

, , , b)78

56

1112

310

, , ,

c)1112

78

56

310

, , , d)78

56

1112

310

, , ,

20 .53

119

56

712

, , ,

a)53

119

56

712

, , , b)119

53

712

56

, , ,

c)53

119

56

712

, , , d)119

56

53

712

, , ,

Qn 21-23 Find the greatest of the given frac-tions

21 .23

415

35

34

, , ,

a)4

15 b)34

c)35 d)

23

22 .58

611

1322

913

, , ,

Page 39: National Insurance AO Exam Preparation Materials for Quantitative Aptitude

a)58 b)

611

c)1322 d)

913

23 .34

57

23

811

, , ,

a)34 b)

57

c)23 d)

811

Qn: (24 - 26) Find the smallest of the givenfraction.

24 .23

57

913

914

74

, , , ,

a)9

14 b)23

c)74 d)

57

25 .1114

1417

1720

2326

2932

, , , ,

a)2932 b)

1114

c)1720 d)

1417

26 .56

34

58

67

, , ,

a)34 b)

67

c)58 d)

56

27 . A heap of stones can be made in groupsof 21 but when made up into groups of16, 20, 25 and 45 there are 3 stonesleft in each case, The number of stonesin the heap isa) 36 00 b) 36 03c) 72 00 d) 72 03

28 . Three measuring rods are 64cm, 80cm

and 96 cm in length. The least length ofcloth (in metres) that can be measuredexact number of times using any of thethree rods isa) 0.96m b) 9.6mc) 96m d) 960m

29 . The largest number, which exactly dividesthe product of any three consecutive in-tegers isa) 2 b) 3 c) 6 d) 1 2

30 . The L.C.M. of two numbers is 63 and theirH.C.F. is 9. If one of the numbers is 27,the other number will bea) 9 b) 2 1 c) 1 7 d) 1 8 9

31 . The HCF of two numbers is 32 and theirproduct is 10240. Find their L.C.M?a) 6 4 0 b) 3 2 0 c) 3 2 4 d) 2 3 0

32 . A gardener had a number of shrubs toplant in rows. At first he tried to plant 8,then 12 and then 16 in a row but he hadalways 3 shrubs left with him. On trying7 he had none left. Find the total numberof shrubs.a) 1 4 7 b) 1 5 0 c) 1 3 7 d) 1 5 4

33 . Six bells commencing tolling together andtoll at intervals of 2,4,6,8,10 and 12 sec-onds respectively. In 30 minutes, howmany times do they toll together.a) 1 7 b) 1 5 c) 1 6 d) 2 0

34 . In a seminar the number of participantsin Hindi, English and Mathematics are 60,84 and 108 respectively. Find the mini-mum number of rooms required, wherein each room the same number of par-ticipants are to be seated; and all of thembeing in the same subject.a) 2 0 b) 2 2 c) 2 5 d) 2 1

ANSWERS TO PRACTICE TEST - 61. (b) 2. (c) 3. (a) 4. (b) 5. (d)

6. (a) 7. (a) 8. (d) 9. (a) 10. (a)

11. (c) 12. (a) 13. (a) 14. (c) 15. (a)

16. (b) 17. (d) 18. (d) 19. (c) 20. (a)

21. (b) 22.(d) 23. (a) 24. (a) 25. (b)

26. (c) 27. (d) 28.(b) 29. (c) 30. (b)

31. (b) 32. (a) 33. (b) 34. (d)