As per the latest Reduced and Bifurcated Syllabus for Academic Year 2021-22

for Semester-2 Examination to be held in March-April, 2022

Goyal’s
I.C.S.E.

Commercial
Applications
For Class 10
Semester-2 Examination 2022

GOYAL BROTHERS PRAKASHAN

NEW DELHI
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Disclaimer
 Due care and diligence has been taken while writing, editing and printing the book.
Neither the author nor the publishers of the book hold any responsibility for any
mistakes that may have inadvertently crept in.

Published & Printed by

Roshan Lal Goyal for Goyal Brothers Prakashan, New Delhi
SYLLABUS
(Reduced for academic year 2021-22)

COMMERCIAL APPLICATIONS (88)

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CLASS X
There will be one written paper of two hours duration carrying 100 marks and Internal Assessment of
100 marks.
The paper will be divided into two sections A and B.
6HFWLRQ$&RPSXOVRU\ will consist of compulsory short answer questions covering the entire syllabus.
6HFWLRQ % will consist of questions which will require detailed answers. There will be a choice of
questions in this section.
THEORY-100 Marks
1. Understanding the basics of Markets and Marketing
 D 'H¿QLWLRQRIPDUNHWVDQGPDUNHWLQJ±ZLWKH[DPSOHVIURPFRQVXPHUJRRGVFRQVXPHUVHUYLFHV
A clear understanding of markets (wherever a buy and sell takes place is a market); examples
RI QRQWUDGLWLRQDO PDUNHWV VXFK DV FDWDORJXHV GLUHFW VDOHV WHOHPDUNHWV HWF 'H¿QLWLRQ DQG
stages of marketing. Types of markets.
(b) Product and Service
Meaning and difference between a product and a service (with examples); features and types
of products and services.
(c) Understanding 4 ‘P’s– Product, Price, Place and Promotion.
Elements of Marketing Mix, stages of Product life-cycle, pricing strategies such as skimming,
penetration, parity, cost plus, place – types of distribution channels, promotional strategies,
concept of advertising, direct selling, publicity.
(d) Advertising and brand promotion.
'H¿QLWLRQ IHDWXUHV DGYDQWDJHV GLVDGYDQWDJHV DQG W\SHV RI DGYHUWLVLQJ 0HGLD XVHG IRU
advertising: meaning and examples only; Meaning and advantages of sales promotion;
GH¿QLWLRQ RI EUDQG EUDQGLQJ EUDQG SURPRWLRQ EUDQG OR\DOW\ DQG EUDQG HTXLW\ KRZ WR
bring about brand promotion, advantages of branding, difference between Advertising and
Sales Promotion, Advertising and Publicity.
(e) Sales and the selling process; qualities of a good salesman.
Sales and the selling process including the difference between marketing and sales; Methods
of selling, features of personal selling; Advertising and Personal selling, qualities of a good
salesman.
2. Understanding Finance
(a) Principles of Financial accounting and reporting – receipt and payment account, income and
expenditure account; balance sheet.
Meaning, features and uses of receipt and payment account, income and expenditure account
and differences.
 Concept of balance sheet – Meaning, features and uses.
(b) Banking - functions of the Central Bank and Commercial banks, types of accounts and banking
transactions.
Functions of the Central Bank and Commercial banks and differences between the two;
types of bank deposit accounts (Savings, Current, Recurring, Fixed Account) and differences;
requirement for an account holder for operating a bank account - Pass book, cheque book,
Pay-in slip book; Advantages of bank account, advantages and disadvantages of cheques;
When can a bank refuse payment of a cheque; Automated Teller Machine (ATM); difference
between Cheque and Bank draft.
3. Understanding Human Resources
(a) Human Resource in a commercial organization.
Features, role and functions of Human Resource Management in any organization.
(b) Commonly used methods of recruitment and selection.
 'H¿QLWLRQ VRXUFHV LQWHUQDO DQG H[WHUQDO DQG PHWKRGV GLUHFW DQG LQGLUHFW RI UHFUXLWPHQW
their advantages and disadvantages.
Selection – meaning, methods of Selection; types of Interviews.
4. Development of Public Relations
(a) Meaning, nature, scope of Public Relations.
Self-explanatory.
(b) Elements of public relations - human relations, empathy, persuasion and dialogue.
Meaning of each of the above.
(c) Environmental values and ethics.
Fundamental duties and value education. Use of cloth bags, organic manure, clean surroundings,
respect for other people’s things, developing an ethical environmental consciousness e.g.,
refusing use of polybags, styrofoam containers, etc.; reusing plastic and glass containers;
recycling: e.g., paper – this will reduce demand on wood and save trees.
(d) Consumer Education
Meaning of Consumer Education; Understanding the importance of educating consumers of
their rights; Types of consumer rights; making correct choices while buying different items;
food adulteration and its harmful effects.

INTERNAL ASSESSMENT-100 Marks

A minimum of IRXU assignments to be completed during the year, as assigned by the teacher.
Suggested list of assignments
1. Design a marketing plan for the launch of a new soap in the price range of `15-20.
2. Make a report on the new forms of markets and marketing such as tele-markets (marketing through
phones), home-shopping (catalogues like Burlington’s, etc.), Direct Marketing (example Eureka-
Forbes). What according to you is their relevance in future and why?
3. Study the marketing strategies of a service sector company such as a courier service and a
production company such as a pen manufacturer. Explain the differences and similarities in both
the strategies. What do you think is the reason for these differences?
4. Study the product life cycle (PLC). Using Add-gel pens, explain in which part of the PLC they
are giving valid justification.
5. Study five different advertisements in any one media (print, television, audio) of the FMCG (fast
moving consumer goods) such as Coke, Pepsi, Lux, Surf, Tide, etc. and explain their positive and
negative points.
 6. Study the annual report (balance sheet and profit and loss account) of any company and comment
on its financial health.
7. Study the working of the commercial banks in India by studying the working of the branch office
of any Public sector commercial bank such as Canara bank, SBI, Bank of Baroda, etc.
8. Write an essay on the role of the Central Bank (Reserve Bank of India) in any economy with
special reference to the Indian scenario.
9. Study the human resource policies of an Information Technology firm (developing software or
hardware or in IT training).
10. Study the working of the Public relations department of a mid-sized firm operating in the media
sector.

EVALUATION
The project work is to be evaluated by the subject teacher and by an External Examiner. The External
Examiner shall be nominated by the Head of the school and may be a teacher from the faculty, but
not teaching the subject in the relevant section/class. For example, a teacher of Commerce of Class
XI may be deputed to be the External Examiner for Class X Commercial Applications project work.
The Internal Examiner and the External Examiner will assess the candidate’s work independently.

Award of Marks (100 marks)

Subject Teacher (Internal Examiner) 50 marks
External Examiner 50 marks
The total marks obtained out of 100 are to be sent to the Council by the Head of the School.
The Head of the school will be responsible for the online entry of marks on the Council’s CAREERS
portal by the due date.

BIFURCATED SYLLABUS
(As per the Reduced Syllabus for ICSE – Class X Year 2022 Examination)
SEMESTER 1 SEMESTER 2
(Marks: 50) (Marks: 50)
UNIT UNIT
NAME OF THE UNIT NAME OF THE UNIT
NO. NO.
1. Understanding the basics of Markets and 2. Understanding Finance
Marketing (Complete Unit)

3. Understanding Human Resources

(Complete Unit)
4. Development of Public Relations
(Complete Unit)
CONTENTS
SECTION A : SPECIMEN QUESTION PAPER
[Released by CISCE for Semester-2 Examination to be held in March-April 2022]

Specimen Question Paper (Solved) ... ... ... ... 7 – 13

SECTION B : MODEL TEST PAPERS (UNSOLVED)

[Based on the Latest Specimen Question Paper released by CISCE]

1. Model Test Paper 1 ... ... ... ... 16 – 18

2. Model Test Paper 2 ... ... ... ... 21 – 23

3. Model Test Paper 3 ... ... ... ... 26 – 28

4. Model Test Paper 4 ... ... ... ... 31 – 33

5. Model Test Paper 5 ... ... ... ... 36 – 38

 GOYAL A DIGITAL LEARNING APP
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SPECIMEN QUESTION PAPER (Solved)

(For Semester 2 Examination)
[Issued by ICSE]
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Answers to this Paper must be written on the paper provided separately.
<RX ZLOO QRW EH DOORZHG WR ZULWH GXULQJ WKH ¿UVW  PLQXWHV
This time is to be spent in reading the question paper.

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The time given at the head of this Paper is the time allowed for writing the answers.
Attempt all questions from 6HFWLRQ$ and DQ\ IRXU questions from 6HFWLRQ %
The intended marks for questions or parts of questions are given in brackets [ ].

SH
SECTION - A

KA
(Attempt all questions.)
Question 1
Choose the correct answers to the questions from the given options. (Do not copy the question, Write

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the correct answer only.) [10]
(i) Income and Expenditure account is a __________ account.
(a) Nominal (b) Real (c) Personal (d) Recurring
SP
Ans. (a) Nominal
(ii) __________ is a revolving credit arrangement.
(a) Overdraft (b) Discounting of Bills
ER

(c) Cash credit (d) Loans and Advances

Ans. (c) Cash credit
TH

(iii) Job Evaluation is one of the __________ functions of Human Resource Department.
(a) Procurement (b) Development (c) Training (d) Compensation
RO

Ans. (d) Compensation

(iv) __________ is a negative process.
(a) Education (b) Selection (c) Training (d) Recruitment
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Ans. (b) Selection

(v) ___________ is one of the elements of Public Relation.
(a) Sympathy (b) Human relation (c) Monologue (d) Media relation
YA

Ans. (b) Human relation

(vi) Consumer education benefits __________ by increasing sales.
(a) Businesses (b) People (c) Region (d) Environment
GO

Ans. (a) Businesses

(vii) Deliberate mixing of low quality, undesirable, inedible and even toxic materials in food items is
known as __________.
(a) Food pollution (b) Mixing of food items
(c) Food adulteration (d) Quality degradation
Ans. (c) Food adulteration
Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 7
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(viii) __________ is the first stage in hiring.
(a) Selection (b) Recruitment (c) Development (d) Training
Ans. (b) Recruitment
(ix) The objective of preparing __________ account is to find out the cash position of the organization.
(a) Receipts and Payment Account (b) Balance Sheet Account
(c) Trading Account (d) Trial Balance Account
Ans. (a) Receipts and Payment Account
(x) Income and expenditure contain only __________ items.

AN
(a) Capital (b) Capital and Revenue (c) Revenue (d) Outstanding
Ans. (c) Revenue

SECTION – B

SH
(Answer DQ\ IRXU questions from this Section.)
Question 2

KA
(i) State one point of difference between Cash Credit and Overdraft. [2]
Ans. Distinction between Cash Credit and Overdraft (any one)

1.
Basis of Distinction
Eligibility
Cash Credit

RA Overdraft
Persons/organisations not holding Only current account holders are
current accounts are eligible for eligible for overdraft.
SP
cash credit.
2. Period A longer period. A few days.
(ii) State one point of difference between Dexterity Test and Intelligence Test. [2]
ER

Ans. Dexterity tests are designed to ascertain how swiftly and efficiently a candidate uses his
hands, fingers, eyes and other parts of the body whereas Intelligence tests measure a person’s
TH

capacity for listening and comprehension in terms of his vocabulary, mental alertness, memory,
reasoning, etc.
RO

(iii) What is a Balance Sheet? Write any two uses of it. [3]
Ans. Balance Sheet means a financial statement which sets out the assets and liabilities of a trading or
non-trading organisation as on a certain date. It is called Balance Sheet because it is a sheet of
LB

those ledger accounts which have not been closed by transferring to Trading Account and Profit
and Loss Account.
Uses : Balance Sheet serves the following uses :
YA

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well as to outsiders.
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GO

(iv) Consumer education is beneficial to the society. Give any three reasons. [3]
Ans. %HQH¿WV of consumer education:
 D (QFRXUDJHV FULWLFDO WKLQNLQJ VR WKDW FRQVXPHU FDQ IXQFWLRQ PRUH HI¿FLHQWO\ LQ WKH PDUNHW SODFH
 E 3URPRWHV VHOIFRQ¿GHQFH DQG LQGHSHQGHQFH LQ FRQVXPHUV
(c) Imparts life skills needed for success in everyday living.

8 Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination

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Question 3
(i) Write any two features of Receipt and Payment account. [2]
Ans. The main features of Receipts and Payments Account are as follows :
(a) The Account is a summary of the Cash Book combining cash and bank transactions.
(b) It is a real account. Therefore, the rule of real account (debit what comes in and credit what
goes out) is followed while preparing it.
(ii) What is Public Relations? [2]
Ans. Public relations is the management function which evaluates public attitudes, identifies the policies

AN
and procedures of an individual or organisations with the public interest, and executes a programme
of action to earn public understanding and acceptance.
(iii) Write about any three general utility functions of Commercial Bank. [3]

SH
Ans. Commercial banks also perform several general utility functions which are given below.
(a) Issuing Credit Instruments: Banks issue letters of credit, drafts and travellers’ cheques to

KA
their customers. People can transfer funds from one place to another without carrying currency
notes with them.
(b) Safe Custody of Valuables: Banks accept jewellery, documents and other valuables for safe

RA
keeping. They provide safe deposit vaults (lockers) for storing these valuables.
(iv) One must follow environmental values and ethic. Explain giving any three points. [3]
SP
Ans. Environmental ethics refers to the set of moral standards which guide us how to interact with
our environment. These standards indicate what is the right conduct according to the society. One
must follow environmental values and ethic as :
ER

(a) The common man becomes aware of the need for protection of our environment.
(b) We begin to conserve resources through recycling, rain water harvesting, tree planting, etc.
(c) People reduce unnecessary consumption and wastage of natural resources.
TH

Question 4
(i) Write a short note on Field Recruitment. [2]
RO

Ans. In this method, representatives of a company visit management and technical institutes. They
take on-the-spot tests and interviews and short-list candidates for appointment. This method is
convenient and inexpensive. But it requires the cooperation of heads of educational institutions.
LB

(ii) Why Stockholder Relation important for an organization? [2]

Ans. Management provides the shareholders current information about the financial position and future
prospects of the corporation. Financial institutions and security analysts want detailed information as
YA

they have the skill to interpret complex data. Many companies still do not recognise the importance
of keeping the shareholders informed. The objective of shareholder relations programme is to arouse
GO

their interest in the company and promote holding of stock as a long-term investment. The objective
also is to reduce shareholder criticism and organised opposition to management.
(iii) Explain in short, any three functions of Central Bank. [3]
Ans. Three major functions of the central bank are as follow.
(a) Issue of Currency Notes : The central bank has monopoly over issuing currency notes in
WKH FRXQWU\ ,Q RUGHU WR LQVSLUH SXEOLF FRQ¿GHQFH LQ SDSHU FXUUHQF\ WKH FHQWUDO EDQN NHHSV

Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 9

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reserves of gold, silver, etc., for issuing currency notes. It is given monopoly of note issue
in order to maintain uniformity in currency, to avoid over-issue and to lend prestige to the
currency system.
(b) Banker to the Government : The central bank acts as a banker, agent and advisor to the
Government. As a banker, it receives and makes payments on behalf of the Government. It
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relating to monetary and banking policies. It manages the national debt and issue of Government
securities. It also represents the Government in international conferences on monetary and

AN
banking matters.
(c) Credit Control : The Central Bank of a country regulates the volume of credit in the country
so as to control inflation and facilitate economic growth. For this purpose, several methods

SH
such as open market operations, bank rate policy, reserve requirements (SLR, CRR) are used.
(iv) Write any three features of Human Resource. [3]

KA
Ans. Features of Human Resource
(a) Human resources of an organisation are the product of their biological inheritance and
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behaviour and performance of human beings.
SP
(b) Human resources are dynamic and behave differently. They react to the same situation in
quite different ways. Even the same individual may behave differently at two different points
RI WLPH ,W LV WKHUHIRUH YHU\ GLI¿FXOW WR SUHGLFW KXPDQ EHKDYLRXU
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(c) Human resources are the most important element in an organisation. The effective utilisation
of all other resources depends upon the quality of human resources.
Question 5
TH

(i) Justify either for or against by giving a reason for the following statement.
‘Income and Expenditure account shows the opening and closing balances of cash in
RO

hand and cash at bank.’ [2]

Ans. False: The opening and closing balances of cash in hand and cash at bank are not recorded in
LB

Income and expenditure account. Receipts and payments Account is closed at the end of the
year with the closing balance of cash in hand and at bank shown on the credit side. The primary
objective of preparing Receipts and payments Account is to find out the cash position (opening
YA

and closing balances of cash in hand and at bank).

(ii) Justify either for or against by giving a reason for the following statement.
GO

‘Central Bank is a Banker to the Government.’ [2]

Ans. True: Central bank lends money to other banks whenever necessary. Commercial banks can borrow
money from the central bank to tide over temporary shortage of money.
(iii) State any three points of difference between ‘Receipts and Payment Account’ and ‘Income and
Expenditure Account’. [3]

10 Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination

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Ans. Distinction between Receipts and Payments Account and Income and Expenditure Account (any three)
Basis of Distinction Receipts and Payments Income and Expenditure
Account Account
1. Nature It is a summary of cash receipts ,W LV OLNH WKH 3UR¿W DQG /RVV
and cash payments. Account of a trading concern.
2. Type of Account It is a real account. It is a nominal account.
3. Object It is prepared to know cash It is prepared to ascertain
balance at the end of the year. surplus at the end of the year.

AN
4. Nature of items It contains both capital and It contains only revenue items.
revenue items.
5. Opening Balance It starts with the opening It has no opening balance.

SH
balance of cash in hand and at
bank.
(iv) Write any three disadvantages of payment through cheques. [3]

KA
Ans. The disadvantages of payment through cheques are as follows :
(a) Cheques are not legal tender and a creditor may refuse to accept a cheque in payment.

RA
(b) A dishonest person may forge or make alterations in a carelessly drawn cheque.
(c) Cheque is not a convenient means of receiving payment for persons who do not have bank
accounts.
SP
Question 6
(i) Write a short note on Automated Teller Machine. [2]
ER

Ans. Automatic Teller Machines (ATM) : Banks having high tech computerised branches are providing
round the clock banking facilities through ATM. The facilities through ATM can differ depending
upon the software being used. For example, ICICI Bank offers TRICE (Transaction Related
TH

Interactive Customer Exchange) ATM Card. This card can be obtained by a current account holder
or savings account holder who is an individual or proprietor.
(ii) Mention the elements of Public Relations. [2]
RO

Ans. Four elements of public relations are : human relations, empathy, persuasion and dialogue.
(iii) Write about any three activities of procurement function of Human Resource Department. [3]
LB

Ans. Procurement Function is concerned with securing and employing the right kind and proper
number of people required to accomplish the organizational objectives. It consists of the
following activities:
(a) Job Analysis : It is the process of studying in detail the operations and responsibilities involved
YA

in a job so as to identify the nature and level of human resources required to perform the job
effectively.
(b) Human Resource Planning : It is the process of estimating the present and future manpower
GO

requirements of the organization.

(c) Recruitment : It is the process of searching for required personnel and stimulating them to
apply for jobs in the organisation.
(iv) Explain any three consumer rights provided by Consumer Protection Act. [3]
Ans. Consumer Rights: The Consumer Protection Act provides for the following rights of consumers
(any three) :
Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 11
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(a) Right to Safety : It means the right to be protected against the marketing of goods and services
which are hazardous to life and property. Before purchasing, consumers should insist on the
quality and guarantee of the product and service. They should purchase products carrying
quality marks such as ISI, AGMARK, etc.
(b) Right to be Informed : It means right to be informed about the quality, quantity, purity,
potency, standard and price of goods. By getting all such information, consumers can make
the right choice and protect themselves from unfair trade practices.
(c) Right to Choose : It means the right to be assured whenever possible, of access to a variety of

AN
goods and services at competitive price. It also includes the right to basic goods and services.
(d) Right to be Heard : It means consumer’s interest must receive the consideration at appropriate

SH
forums. It also includes the right to be represented in various forums constitued to consider
the welfare of consumers.
(e) Right to seek redressal : It means right to seek redressal against unfair trade practices or

KA
unscrupulous exploitation of consumers. It also includes the right to fair settlement of the
genuine grievances of consumers.

RA
(f) Right to Consumer Education : It means the right to acquire the knowledge and skill to be
an informed consumer. Consumers must not only know but also exercise their rights. Only
then real consumer protection can be achieved. Consumers are exploited mainly due to their
SP
ignorance and indifference.
Question 7
ER

Case Study
Nokia, a leading mobile phones company has a supervisor, Mr. Ansari, at the Surat Branch. His workers
TH

respond well to his leadership and try to come up to his expectations. However, Mr. Ansari takes a
tough stand when workers are unable to meet their targets. In the past Mr. Ansari punished two workers
RO

for not being able to reach their targets and this led to much resentment. The workers felt that they
should have been consulted in determining work targets. Later Mr. Ansari realised this and arranged
for a special motivational program for the employees to achieve targets. Since then, he has had a good
LB

relationship with his employees.

In reference to the above case answer the following questions:
(i) What type of bank account should Mr. Ansari open for new hires in Nokia? [2]
YA

Ans. Mr. Ansari should open Savings Deposit Account for new hires in Nokia. A pass book and a
cheque book are issued to the account holder.
GO

(ii) Mr. Ansari likes to promote some of the employees as supervisors. Which program shall he
undertake? [2]
Ans. Promotions: A promotion means shifting an employee from a lower post to a higher post. It
leads to increase in the pay, status and responsibility of the employee. Therefore, promotions are
considered as rewards. Promotions may be made on the basis of merit or seniority of employees.
A promotion involves a vertical movement or advancement of an employee.

12 Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination

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(iii) There is a vacancy in the Ahmedabad Branch of Nokia. Which source of recruitment should be
used to fill the vacancy? Justify your answer by giving two reasons. [3]
Ans. Transfers: A transfer means shifting of an employee from one place to another without any
change in rank, responsibility and remuneration. It is a horizontal movement of the employee.
Job vacancies in one factory, branch or office of the organisation may be filled by transferring
surplus staff from another factory, branch or office.
(iv) What type of interview is most appropriate to fill this vacancy? Give two reasons? [3]
Ans. Panel or Board Interview : In this type of interview, the candidate is interviewed by a panel

AN
or board of selectors. Different interviewers ask questions on different topics. The candidate is
judged on the basis of combined rating by the panel.

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MODEL TEST PAPER 1 (Unsolved)

[Based on the Latest Specimen Question Paper released by CISCE]
0D[LPXP 0DUNV 
7LPH DOORZHG 2QH DQG D KDOI KRXU
Answers to this Paper must be written on the paper provided separately.
<RX ZLOO QRW EH DOORZHG WR ZULWH GXULQJ WKH ¿UVW  PLQXWHV
This time is to be spent in reading the question paper.
The time given at the head of this Paper is the time allowed for writing the answers.

AN
Attempt all questions from 6HFWLRQ$ and DQ\ IRXU questions from 6HFWLRQ %
The intended marks for questions or parts of questions are given in brackets [ ].

SH
SECTION - A
(Attempt all questions.)

KA
Question 1
Choose the correct answers to the questions from the given options. (Do not copy the question, Write
the correct answer only.) [10]
(i) Non-trading organisations prepare
(a) Receipts and Payments Account
(c) Balance Sheet
RA (b) Income and Expenditure Account
(d) All of these
SP
(ii) A bank is an institution which accepts ________ from the public and advances ________.
(a) Deposits, loans (b) Loans, deposits (c) Cash, cash (d) Loan, loan
(iii) ________ means a conversation between two persons with a purpose.
ER

(a) Human Relations (b) Empathy

(c) Persuasion (d) Dialogue
TH

(iv) It is concerned with protecting and promoting the physical and mental health of employees.
(a) Development function (b) Procurement function
(c) Maintenance function (d) Integration function
RO

(v) It is the process of carefully screening the candidates to choose the most suitable persons for the
job vacancies to be filled in.
 D 5HFUXLWPHQW E 6HOHFWLRQ F 6WDI¿QJ G 7UDLQLQJ
LB

(vi) ________ is a set of moral standards that guide people how to interact with the environment.
(a) Value education (b) Environmental ethics
(c) Fundamental duties (d) Consumer responsibilities
YA

(vii) These result from temporary exposure to harmful substances and last for a few days or weeks only.
(a) Short-term health hazards (b) Long-term health hazards
(c) Transient hazards (d) None of these
GO

(viii) Which of the following are the advantages of internal sources of recruitment?
(a) Internal recruitment helps to minimise labour turnover and absenteeism. People wait for
SURPRWLRQ DQG WKH ZRUNIRUFH LV PRUH VDWLV¿HG
(b) It is an expensive source of recruitment.
(c) Internal candidates may not give a new outlook and fresh ideas to business.
(d) Unsuitable candidates may be promoted to positions of higher responsibility.
16 Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination
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(ix) It contains only revenue items.
(a) Receipts and Payments Account (b) Income and Expenditure Account
(c) Balance Sheet (d) None of these
(x) This account is equivalent to the Profit and Loss Account of a business concern.
(a) Receipts and Payments Account (b) Income and Expenditure Account
(c) Balance Sheet (d) None of these

SECTION B
(Answer DQ\ IRXU questions from this Section.)

AN
Question 2
(i) State one point of difference between Fixed Deposit and Saving Deposit. [2]

SH
(ii) State one point of difference between Promotion and transfer. [2]
(iii) What is Income and Expenditure Account? Write any two uses of it. [3]
(iv) Discuss the need for consumer education. [3]

KA
Question 3
(i) List any two features of a Balance Sheet. [2]
(ii) Explain Empathy as an element of Public Relations.
(iii) “The central bank is a banker’s bank.” Comment.
RA [2]
[3]
SP
(iv) Explain the concept and basis of environmental ethics. [3]
Question 4
(i) What is meant by gate hiring in recruitment? [2]
ER

(ii) Distinguish between any two elements of public relations. [2]

(iii) What are the three main functions of a commercial bank? [3]
TH

(iv) “Human resource management is a challenging function.” Comment. [3]

Question 5
RO

(i) Justify either for or against by giving a reason for the following statement.
‘Selection is a negative process.’ [2]
LB

(ii) Justify either for or against by giving a reason for the following statement.
‘A cheque is a safer method of payment.’ [2]
(iii) What is meant by ‘Income and Expenditure Account’? Explain its features. [3]
YA

(iv) “A crossed cheque is a safer mode of payment as compared to an open cheque.” Comment. [3]
Question 6
GO

(i) Write a short note on Automated Teller Machine. [2]

(ii) Give the four components of public relations. [2]
(iii) Enumerate the steps to be taken in the recruitment process. [3]
(iv) Explain any three rights of a consumer. [3]

Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 17

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Question 7
Case Study
It is the conviction of the management of Carmel Closure Co. Ltd. that its shareholders constitute and
important part of the public. The management feels that the company should devote time and effort
in studying the make-up, location, economic status and demography of this group to enable better
communication and a stronger public relation policy.
Mr. Ramesh Sharma is the Public Relation Officer of the company. He agrees with the Management
to a certain extent, however he would like to introduce other forms of public relations programmes.
In reference to the above case answer the following questions:

AN
(i) Why is it imperative for a company to maintain a good relationship with its shareholders? [2]
(ii) Mention two other public relations programmes that would be of paramount importance

SH
to the company. [2]
(iii) How would you explain to Mr. Sharma about the element ‘Empathy’ as being one of the key
elements to establish good public relations? [3]

KA
(iv) How should Mr. Sharma go about planning a successful programme? [3]

RA
SP
ER
TH
RO
LB
YA
GO

18 Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination

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To view Sample
view
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Sample or Purchase of
of Books
Purchaseor
Sample Books
Purchase of Books
WWW.goyal-books.com/mtpcx
WWW.goyal-books.com/mtpcx
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Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 15
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MODEL TEST PAPER 2 (Unsolved)

[Based on the Latest Specimen Question Paper released by CISCE]
0D[LPXP 0DUNV 
7LPH DOORZHG 2QH DQG D KDOI KRXU
Answers to this Paper must be written on the paper provided separately.
<RX ZLOO QRW EH DOORZHG WR ZULWH GXULQJ WKH ¿UVW  PLQXWHV
This time is to be spent in reading the question paper.
The time given at the head of this Paper is the time allowed for writing the answers.

AN
Attempt all questions from 6HFWLRQ$ and DQ\ IRXU questions from 6HFWLRQ %
The intended marks for questions or parts of questions are given in brackets [ ].

SH
SECTION - A
(Attempt all questions.)

KA
Question 1
Choose the correct answers to the questions from the given options. (Do not copy the question, Write
the correct answer only.) [10]

accounting year.
(a) Receipts and Payments Account RA
(i) It is a summary of cash transactions. It is prepared to ascertain the cash balance at the end of the

(b) Income and Expenditure Account

SP
(c) Balance Sheet (d) None of these
(ii) It carries out the country’s monetary policy.
(a) Commercial Bank (b) Central Bank (c) Specialised Bank (d) None of these
ER

(iii) The Main Reasons for the Rapid Growth of Public Relations is/are
(a) Communication Gap (b) Population decline
TH

(c) Recognition of moral responsibility (d) Rapid decline in Communication Media

(iv) It is the process of studying in detail the operations and responsibilities involved in a job so as
to identify the nature and level of human resources required to perform the job effectively.
RO

(a) Job assessment (b) Job evaluation

(c) Job analysis (d) Job rotation
(v) These tests are designed to measure the applicant’s level of knowledge and skill already achieved
LB

in a particular trade or occupation.

(a) Personality test (b) Trade test (c) Dexterity test (d) Intelligence test
(vi) The consumer has the right to get compensation against unfair trade practices under
YA

(a) Right to choose (b) Right to seek redressal

(c) Right to safety (d) Right to inform
GO

(vii) Asthmatic attacks, accumulation of lead from traffic exhausts, etc. are examples of ________
health hazards.
(a) Short-term (b) Long-term (c) Transient (d) None of these
(viii) Such tests are designed to determine an individual’s capacity to use his hands and fingers in
industrial work.
(a) Personality test (b) Interest test
(c) Dexterity test (d) Intelligence test
Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 21
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(ix) Its balance at the end shows the cash in hand and at bank (or overdraft) at the end of the year.
(a) Receipts and Payments Account (b) Income and Expenditure Account
(c) Balance Sheet (d) None of these
(x) Receipt and payment account has the following limitation(s).
 D ,W GRHV QRW UHYHDO VXUSOXV RU GH¿FLW IRU WKH \HDU
 E ,W GRHV QRW LQGLFDWH ¿QDQFLDO SRVLWLRQ RI WKH RUJDQLVDWLRQ
(c) It does not disclose details of receipts and payment
(d) All of these

AN
SECTION B
(Answer DQ\ IRXU questions from this Section.)
Question 2

SH
(i) Give one difference between Recruitment and Training. [2]
(ii) Explain one basic difference between bearer cheque and order cheque. [2]

KA
(iii) Banking is a relationship oriented industry. Comment. [3]
(iv) Explain with examples environmental values. [3]
Question 3

RA
(i) Mention two features of Income and Expenditure Account.
(ii) Explain Dialogues as an element of Public Relations.
[2]
[2]
SP
(iii) What is crossing of a cheque? What are types of crossing? [3]
(iv) Describe how value education can be provided to people. [3]
Question 4
ER

(i) What is group interview? [2]

(ii) How is persuasion an important element of public relations? [2]
TH

(iii) How is discounting of a bill of exchange a form of bank lending? [3]

(iv) Name and explain any three functions of human resource management. [3]
RO

Question 5
(i) Justify either for or against by giving a reason for the following statement.
‘Ethics is not necessary in public relations.’ [2]
LB

(ii) Justify either for or against by giving a reason for the following statement.
‘Human resource is the most valuable asset in business.’ [2]
(iii) Write short note on the role of Income and Expenditure Account. [3]
YA

(iv) “A cheque is an inconvenient method of making payments.” Comment. [3]

Question 6
GO

(i) Write a short note on crossing of cheques. [2]

(ii) Mention the elements of Public Relations. [2]
(iii) Explain any three sources of external recruitment. [3]
(iv) In order to exercise their rights, consumers must make correct choices and fulfill certain duties.
Enumerate three such responsibilities. [3]

22 Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination

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Question 7
Case Study
Mr. Raj is a newly appointed Human Resource Manager of the Hyderabad branch of a foreign bank.
The bank is looking for a rapid expansion of its business in the Southern region. So it wants to recruit,
select new employees and launch various schemes and offers. Being an organisation of repute, it is
highly essential to select efficient people who will be able to contribute effectively to the growth of
the business. The entire responsibility of developing a good work force for business expansion in the
region is entrusted to Mr. Raj.

AN
In reference to the above case answer the following questions:
(i) Name the key function of Human Resource Management which Mr. Raj is expected to perform. [2]
(ii) Mention the key activities under this function. [2]

SH
(iii) Describe any three roles of Human Resource Management. [3]
(iv) Briefly explain any three tests required for selecting employees. [3]

KA
RA
SP
ER
TH
RO
LB
YA
GO

Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 23

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To
To view Sample
view
To viewor
Sample or Purchase of
of Books
Purchaseor
Sample Books
Purchase of Books
WWW.goyal-books.com/mtpcx
WWW.goyal-books.com/mtpcx
www.goyal-books.com/mtpx
Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 15
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MODEL TEST PAPER 3 (Unsolved)

[Based on the Latest Specimen Question Paper released by CISCE]
0D[LPXP 0DUNV 
7LPH DOORZHG 2QH DQG D KDOI KRXU
Answers to this Paper must be written on the paper provided separately.
<RX ZLOO QRW EH DOORZHG WR ZULWH GXULQJ WKH ¿UVW  PLQXWHV
This time is to be spent in reading the question paper.
The time given at the head of this Paper is the time allowed for writing the answers.

AN
Attempt all questions from 6HFWLRQ$ and DQ\ IRXU questions from 6HFWLRQ %
The intended marks for questions or parts of questions are given in brackets [ ].

SH
SECTION - A
(Attempt all questions.)

KA
Question 1
Choose the correct answers to the questions from the given options. (Do not copy the question, Write
the correct answer only.) [10]

RA
(i) It is a summary of all incomes and expenses of the current accounting year. It is prepared to know
the surplus or deficit during the accounting year.
SP
(a) Receipts and Payments Account (b) Income and Expenditure Account
(c) Balance Sheet (d) None of these
(ii) Central bank is the ________ of the country’s foreign currency reserves.
ER

(a) Dealer (b) Consumer (c) Custodian (d) User

(iii) Main element(s) of good public relations is/are
(a) Human Relations (b) Empathy
TH

(c) Persuasion (d) All of these

(iv) Which of the following is a procurement function of human resource management?
RO

(a) Human Resource Planning (b) Recruitment

(c) Selection (d) All of these
(v) It is the process of carefully screening the candidates to choose the most suitable persons for the
LB

job vacancies to be filled in.

(a) Recruitment (b) Selection
 F 6WDI¿QJ  G 7UDLQLQJ
YA

(vi) The Constitution of India provides for ________ Fundamental Duties of every citizen.
(a) 8 (b) 9 (c) 10 (d) 11
(vii) These result from temporary exposure to harmful substances and last for a few days or weeks
GO

only.
(a) Short-term health hazards (b) Long-term health hazards
(c) Transient hazards (d) None of these
(viii) It refers to assigning specific jobs to the selected candidates.
(a) Placement (b) Induction
(c) Training (d) Development

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(ix) It is not an account but a statement.
(a) Receipts and Payments Account (b) Income and Expenditure Account
(c) Balance Sheet (d) None of these
(x) This account is equivalent to the Profit and Loss Account of a business concern.
(a) Receipts and Payments Account (b) Income and Expenditure Account
(c) Balance Sheet (d) None of these

SECTION B

AN
(Answer DQ\ IRXU questions from this Section.)
Question 2
(i) State one point of difference between Savings Deposit and Recurring Deposit [2]

SH
(ii) State one point of difference between Recruitment and Selection. [2]
(iii) Why should a business make payments through cheques? [3]

KA
(iv) Write short notes on Duties of a consumer. [3]
Question 3

RA
(i) Give two uses of Receipts and Payments Account. [2]
(ii) Enumerate the elements of public relations. [2]
(iii) Explain any five functions of the Reserve Bank of India. [3]
SP
(iv) How do environmental values and ethics help a common man? [3]
Question 4
ER

(i) How is recruitment different from selection? [2]

(ii) “Public relations is action plus communication.” Comment. [2]
TH

(iii) What is a central bank? Give any two important functions of a central bank? [3]
(iv) “Human resource management seeks to achieve personal and social goals.” Explain. [3]
RO

Question 5
(i) Justify either for or against by giving a reason for the following statement.
‘Public relations is just gimmicks.’ [2]
LB

(ii) Justify either for or against by giving a reason for the following statement.
‘Banking is a relationship oriented industry.’ [2]
YA

(iii) Write short note on the role of Receipts and Payments Account. [3]
(iv) Distinguish between cash credit and loan. [3]
Question 6
GO

(i) Write a short note on Pay-in slip book. [2]

(ii) Describe the present status of public relations. [2]
(iii) Explain any three sources of internal recruitment. [3]
(iv) Describe how value education can be provided to people. [3]

Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 27

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Question 7
Case Study
It is the conviction of the management of Fair Deal Corporation Ltd. that the shareholders constitute an
important public. In addition to the fact that they furnish the capital, shareholders can serve as ambassadors
to persons who make up other key publics. For this reason the corporation feels justified in devoting time
and effort in studying the make up, location, economic status and demography of this group so as to be
able to communicate with it better and develop better relations. You as the public relations manager are
planning the corporation’s shareholder relations.

AN
In reference to the above case answer the following questions:
(i) What information about this public would be most helpful and how are you going to obtain it? [2]
(ii) What type of information would be of interest and value to the shareholders? [2]

SH
(iii) What communication media would you recommend? [3]
(iv) Describe the importance of public relations to a business enterprise. [3]

KA
RA
SP
ER
TH
RO
LB
YA
GO

28 Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination

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KA
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Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 29

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AN
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RO
LB
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To
To view Sample
view
To viewor
Sample or Purchase of
of Books
Purchaseor
Sample Books
Purchase of Books
WWW.goyal-books.com/mtpcx
WWW.goyal-books.com/mtpcx
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Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 15
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MODEL TEST PAPER 4 (Unsolved)

[Based on the Latest Specimen Question Paper released by CISCE]
0D[LPXP 0DUNV 
7LPH DOORZHG 2QH DQG D KDOI KRXU
Answers to this Paper must be written on the paper provided separately.
<RX ZLOO QRW EH DOORZHG WR ZULWH GXULQJ WKH ¿UVW  PLQXWHV
This time is to be spent in reading the question paper.
The time given at the head of this Paper is the time allowed for writing the answers.

AN
Attempt all questions from 6HFWLRQ$ and DQ\ IRXU questions from 6HFWLRQ %
The intended marks for questions or parts of questions are given in brackets [ ].

SH
SECTION - A
(Attempt all questions.)

KA
Question 1
Choose the correct answers to the questions from the given options. (Do not copy the question, Write
the correct answer only.) [10]

date.
(a) Receipts and Payments Account RA
(i) It is a statement of assets and liabilities. It is prepared to judge the financial position on a particular

(b) Income and Expenditure Account

SP
(c) Balance Sheet (d) None of these
(ii) It means restricting its circulation by writing something on it.
(a) Endorsement (b) Pay-in slip
ER

(c) Crossing a cheque (d) Bank draft

(iii) ________ means relations between human beings on the basis of human dignity and respect for
TH

each other.
(a) Human Relations (b) Empathy (c) Persuasion (d) Dialogue
(iv) Which of the following is the development function of human resource management?
RO

(a) Job evaluation (b) Collective Bargaining

(c) Improving quality of work life (d) Career Planning and Development
(v) Promotion is a ________ source Recruitment.
LB

(a) Internal (b) Higher (c) Suitable (d) External

(vi) How many rights of consumers are there in the Consumer Protection Act?
(a) 4 (b) 3 (c) 6 (d) 5
YA

(vii) To protect and improve the natural environment including forests, lakes, rivers and wildlife, and
have compassion for living creatures is
(a) Value education (b) Environmental ethics
GO

(c) Fundamental duties (d) Consumer responsibilities

(viii) Promotion motivates the employees if it is ________ based.
(a) Time (b) Function (c) Performance (d) Training
(ix) It is always prepared on a particular date.
(a) Receipts and Payments Account (b) Income and Expenditure Account
(c) Balance Sheet (d) None of these

Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 31

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(x) The main use(s) of a Balance Sheet for a non-trading organisation is/are
(a) Balance Sheet shows the assets owned by a non-trading organisation.
(b) It reveals the liabilities of the organisation.
 F ,W VKRZV WKH ¿QDQFLDO SRVLWLRQ RI WKH RUJDQLVDWLRQ
(d) All of these

SECTION B
(Answer DQ\ IRXU questions from this Section.)

AN
Question 2
(i) State one point of difference between Persuasion and Dialogue. [2]
(ii) Give two differences between cheque and draft. [2]

SH
(iii) When can a bank refuse payment of a cheque? [3]
(iv) Explain with three rights of a consumer. [3]

KA
Question 3
(i) State any two uses of Balance Sheet. [2]
(ii) What are human relations? [2]

RA
(iii) Write about any three lending money functions of Commercial Bank.
(iv) Give three examples of fundamental duties of citizens concerning the environment.
[3]
[3]
SP
Question 4
(i) Explain Employment Exchanges as a source of external recruitment. [2]
(ii) Explain the nature of ethics in public relations. [2]
ER

(iii) Bring out any three importance of a central bank by making special reference to the functions it
performs. [3]
TH

(iv) Explain three professional significance of Human Resource Management. [3]

Question 5
RO

(i) Justify either for or against by giving a reason for the following statement.
‘Human resource is the most valuable asset.’ [2]
(ii) Justify either for or against by giving a reason for the following statement.
LB

‘Employee selection is a process of elimination.’ [2]

(iii) Explain the terms surplus and deficit in Income and Expenditure Account. [3]
YA

(iv) Give two differences between stale cheque and post-dated cheque. [3]
Question 6
(i) Write a short note on Bank draft. [2]
GO

(ii) With the growing number of scams in the global industry, explain the importance of ethics in
public relations. [2]
(iii) Give three functions of Human Resource Management. [3]
(iv) Discuss the need for and benefits of consumer education. [3]

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Question 7
Case Study
The file on Mr. Verma (the Manager of Clairmont Hotel) desk containing customer complaints was
bulging with letters received over the last few weeks. As he was short stated, unsuitable recruits who
could not be trained, were hired and asked to take on responsible jobs. The result - Hotel rooms were
over-booked, cold food was being served by the waiters and cleanliness could not be maintained. The
rate of labour turnover and absenteeism was also very high.
Mr. Verma had suggested a year ago that a separate Human Resource Department had to be created.

AN
The owners however had tried to save additional costs and had not acted on his suggestion.
In reference to the above case answer the following questions:

SH
(i) What is selection? [2]
(ii) Highlight the importance of Selection. [2]
(iii) Outline the procedure to be followed for the selection of waiters for the hotel. [3]

KA
(iv) How would a professional Human Resource Manager have tackled the situation? [3]

RA
SP
ER
TH
RO
LB
YA
GO

Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 33

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SH
KA
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TH
RO
LB
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34 Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination

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Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 15
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MODEL TEST PAPER 5 (Unsolved)

[Based on the Latest Specimen Question Paper released by CISCE]
0D[LPXP 0DUNV 
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Answers to this Paper must be written on the paper provided separately.
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This time is to be spent in reading the question paper.
The time given at the head of this Paper is the time allowed for writing the answers.

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Attempt all questions from 6HFWLRQ$ and DQ\ IRXU questions from 6HFWLRQ %
The intended marks for questions or parts of questions are given in brackets [ ].

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SECTION - A
(Attempt all questions.)

KA
Question 1
Choose the correct answers to the questions from the given options. (Do not copy the question, Write
the correct answer only.) [10]

are shown on the ________ side.

(a) Credit
RA
(i) In receipt and payment account opening balance of cash in hand, cash at bank and all cash receipts

(b) Debit
SP
(c) Both (a) and (b) (d) None of these
(ii) ________ is a book issued by a bank to an account holder.
ER

(a) Pass book (b) Pay-in slip (c) crossing a cheque (d) bank draft
(iii) It means to convince another person of some idea, product, service or institution, to induce a
person or group or to do something.
TH

(a) Human Relations (b) Empathy

(c) Persuasion (d) Dialogue
RO

(iv) Which of the following is the compensation function of human resource management?
(a) Job evaluation (b) Collective Bargaining
(c) Improving quality of work life (d) Career Planning and Development
LB

(v) Industrial and factory workers are recruited through ________.

(a) Campus recruitment (b) Placement agencies
(c) Labour contractors (d) None of these
YA

(vi) ________ is necessary for developing citizens who are responsible towards their environment.
(a) Value education (b) Environmental ethics
GO

(c) Fundamental duties (d) Consumer responsibilities

(vii) These result from sudden and accidental exposure to hazardous substances. These occur rarely.
(a) Short-term health hazards (b) Long-term health hazards
(c) Transient hazards (d) None of these

36 Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination

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(viii) While choosing the right source of recruitment, the following factors should be considered :
(a) Number of persons to be recruited
 E 7\SH RI VWDII WR EH UHFUXLWHG DQG WKH QDWXUH RI WKH MRE WR EH ¿OOHG LQ
(c) Time available for recruitment (d) All of these
(ix) It contains both capital and revenue items.
(a) Receipts and Payments Account (b) Income and Expenditure Account
(c) Balance Sheet (d) None of these
(x) The closing balance of this Account shows surplus or deficit for the year.

AN
(a) Receipts and Payments Account (b) Income and Expenditure Account
(c) Balance Sheet (d) None of these

SH
SECTION B
(Answer DQ\ IRXU questions from this Section.)

KA
Question 2
(i) State one point of difference between central bank and commercial bank. [2]
(ii) State one point of difference between Public and Public Relations. [2]

RA
(iii) With growth in business, explain the role of banking. [3]
(iv) Write a short note on Environmental ethics. [3]
Question 3
SP
(i) State two features of Receipts and Payments Account. [2]
(ii) What is Persuasion? [2]
(iii) What is a bank draft? Why is it a safe mode of money transfer? [3]
ER

(iv) Explain the effects of pollution on environment and health. [3]

Question 4
TH

(i) Selection is a process of elimination. Justify. [2]

(ii) “Ethics has no place in public relations.” Comment. [2]
RO

(iii) What are the methods adopted by the central bank to control credit? [3]
(iv) Explain three social significance of Human Resource Management. [3]
Question 5
LB

(i) Justify either for or against by giving a reason for the following statement.
‘Balance Sheet is a statement, not an account.’ [2]
(ii) Justify either for or against by giving a reason for the following statement.
YA

‘Selection always precedes recruitment.’ [2]

(iii) State any three points of difference between Receipts and Income. [3]
(iv) What is crossing of a cheque? What are types of crossing? [3]
GO

Question 6
(i) Write a short note on overdraft facility. [2]
(ii) Distinguish between any two elements of public relations. [2]
(iii) Enumerate the steps to be taken in selection of employees. [3]
(iv) Discuss the duties of a consumer. [3]

Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 37

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Question 7
Case Study
Mr. Saxena was a young officer in an industrial bank at Chennai. He was approached by Mr. Mehrotra,
owner of a small textile plant, for a loan to renovate his plant. Saxena gave him a loan of ` 5,00,000.
The banks branch manager, who saw no future in textiles, was shocked at the loan transaction. He told
Saxena to stay close to Mehrotra until the money was paid back. Saxena stuck so close that he became
Mehrotra s financial adviser. The loan was repaid but Saxena became Mehrotra’s partner and resigned
his bank job. Within three years Saxena set up another textile plant and after two decades his textile

AN
unit became the second fastest growing textile company in the country. Saxena’s management style was
characterised by an emphasis on innovation and tight control. To his employees Saxena was a friendly
and a highly visible boss. He always walked around the plant and called the vast number of his workers

SH
by their first names. He preferred to lead by example rather than telling people how to do their jobs.
However, Saxena had a severe heart attack and died.
In reference to the above case answer the following questions:

KA
(i) What is an industrial bank? [2]
(ii) What type of loans can you get from commercial banks? [2]

RA
(iii) Mr. Saxena s wife took over the business and she wanted to appoint a manager. Suggest a
source to recruit the manager. Give reasons why you selected such a source.
(iv) Innovation is possible only if business enterprises motivate the employees and spend a lot of
[3]
SP
money on research and development. Do you agree? Give reasons. [3]
ER
TH
RO
LB
YA
GO

38 Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination

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PRAKASHAN
Learn @ ` 1 Per Day

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KA
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RO
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GO

Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 39

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AN
SH
KA
RA
SP
ER
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www.goyal-books.com/mtpx
RO
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To
To view Sample
view
To viewor
Sample or Purchase of
of Books
Purchaseor
Sample Books
Purchase of Books
WWW.goyal-books.com/mtpcx
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www.goyal-books.com/mtpx
Goyal’s I.C.S.E. Commercial Applications Class 10 for Semester-2 Examination 15