L E A R N T O L E A D

GUIDE TO
CRACK
Banking
C A R E E R S C L O U D

B A S I C S O F

ARITHMETIC
 PREFACE
In recent days, the banking exams are getting more tougher so, the aspirants are very
confused to follow a certain set of ideas for each exam. This course will be helpful for
the beginners who are preparing for the banking exam.

The aspirants need some guidance for cracking the bank exams. So we have launched
a course titled a “Guide to Crack- Banking''. This course is completely FREE
OF COST, consisting of shortcuts in quantitative aptitude and reasoning ability along
with the set of rules for English language. You can download the important contents
from the PDF and take printouts of them to stick in your study room.

This course is available on our website www.careerscloud.in and in Careerscloud

android Mobile application.

Regards,
CareersCloud Team
 1 R AT I O A N D P R O P O R T I O N

2 AGES

ARITHMETIC
BASICS OF
3 PA R T N E R S H I P

4 P E R C E N TA G E S

5 AV E R AG E

6 PROFIT AND LOSS

7 SIMPLE INTEREST

8 COMPOUND INTEREST

9 T I M E A N D D I S TA N C E
B O AT S A N D S T R E A M 11
10 TRAINS

TIME AND WORK 12

PIPES AND CISTERN 13
P E R M U TAT I O N & C O M B I N AT I O N 14
PROBABILITY 15
M I X T U R E A N D A L L I G AT I O N 16
Q U A D R AT I C E Q U AT I O N 17
NUMBER SYSTEM 18
M E N S U R AT I O N 19
 CareersCloud

SQUARE NUMBER FROM 1 – 50

L E A R N T O L E A D

NUMBER SQUARE VALUE NUMBER SQUARE VALUE NUMBER SQUARE VALUE NUMBER SQUARE VALUE

12 1 162 256 312 961 462 2116

22 4 172 289 322 1024 472 2209
32 9 182 324 332 1089 482 2304
42 16 192 361 342 1156 492 2401
52 25 202 400 352 1225 502 2500
62 36 212 441 362 1296
72 49 222 484 372 1369
82 64 232 529 382 1444
92 81 242 576 392 1521
102 100 252 625 402 1600
112 121 262 676 412 1681
122 144 272 729 422 1764
132 169 282 784 432 1849
142 196 292 841 442 1936
152 225 302 900 452 2025
 CareersCloud

CUBE NUMBER FROM 1 - 30

L E A R N T O L E A D

NUMBER SQUARE VALUE NUMBER SQUARE VALUE

13 1 163 4096
23 8 173 4913
33 27 183 5832
43 64 193 6859
53 125 203 8000
63 216 213 9261
73 343 223 10648
83 512 233 12167
93 729 243 13824
103 1000 253 15625
113 1331 263 17576
123 1728 273 19683
133 2197 283 21952
143 2744 293 24389
153 3375 303 27000
 CareersCloud
L E A R N T O L E A D

FRACTION TO PERCENTAGE:
FRACTION PERCENTAGE FRACTION PERCENTAGE

1/1 100% 1/11 9.09% or 9 (1/11)%

1/2 50% 1/12 8.33% 8 (1/3)%
1/3 33.33% or 33 (1/3)% 1/13 7.69% or 7 (9/13)%
1/4 25% 1/14 7.14% or 7 (1/7)%
1/5 20% 1/15 6.66% or 6 (2/3)%
1/6 16.66% or 16 (2/3)% 1/16 6.25% or 6 (1/4)%
1/7 14.28% or 14 (2/7)% 1/17 5.88% or 5 (15/17)%
1/8 12.5% or 12 (1/2)% 1/18 5.55% or 5 (5/9)%
1/9 11.11% or 11 (1/9)% 1/19 5.26% or 5 (5/19)%
1/10 10% 1/20 5%
 CareersCloud
L E A R N T O L E A D

RATIO AND PROPORTION

RATIO:
Merging of ratios: If the ratio between the first
and second quantities is a: b and the ratio between
second and third quantities is c: d, then the ratio
among the first, Second and third quantities is
given by (ac: bc: bd)
PROPORTION:
· When two ratios are equal, they are
said to be in proportion, for example,
a: b : : c: d.From this, the product of
extreme is equal to the product of mean
can be obtained

means

First Second Third

a: b : : c: d
a : b

c : d extremes

Resultant ac : bc : bd
a/b = c/d
or
a * d = b* c
 CareersCloud
L E A R N T O L E A D

AGES
The most important terms in this topic are (Before/Ago, Present, After/Hence)
Here before/Ago denotes the past and After/Hence denotes the future

Before/Ago A’s age

(x - N) Years

N years ago

Present A’s age

(x) Years
M years hence

After/Hence A’s age

(x + M) Years
 CareersCloud
L E A R N T O L E A D

PARTNERSHIP
The most important terms in this topic are

(1. Investment, 2. Time period, 3. Profit)

Profit share = Investment * time period

A's capital * A's Time period A's profit share

=
B's capital * B's Time period B's profit share
 CareersCloud
L E A R N T O L E A D

PERCENTAGES
A is what percentage of B = (A/B) * 100
A is what percent more than B = (A - B)/B * 100
A is what percent less than B = (B - A)/B * 100

If the value of a number is first increased by X% and later increased by Y%, the net change
is always an increase, then there is

(X + Y + XY/100) % increase

If the value of a number is first increased by X% and later decreased by Y%, the net change is
either an increase or decrease, then there is

(X - Y - XY/100) % increase or decrease,

according to the +ve or –ve sign respectively

If the value of a number is first decreased by X% and later decreased by Y%, the net change
is always a decrease, then there is

(- X - Y + XY/100) % decrease,
according to the –ve sign
 CareersCloud
L E A R N T O L E A D

AVERAGE
Average = Sum of observations/ Number of observations
Sum of observations = Average * Number of observations
Number of observations = Sum of observations/ Average

1. Average of first ‘n’ natural numbers = (n +1)/2

2. Average of first ‘n’ even numbers = n +1
3. Average of first ‘n’ odd numbers = n
4. Average of first ‘n’ consecutive natural numbers = (First number + Last number)/2
5. Average of square of first ‘n’ natural numbers = ((n+1)(2n+1))/6
If the average of ‘n’ numbers is a and that of ‘m’ numbers is b, then the average of (n+m)
numbers = (na + mb)/ n + m
 CareersCloud
L E L
A ER A
N R TN O T LO E L
A ED A D

PROFIT AND LOSS

The most important terms in this topic are
(Cost Price - CP, Selling Price - SP, Marked Price - MP)

BASIC FORMULA
Profit = Selling Price − Cost Price
Loss = Cost Price − Selling Price
Profit % = (Profit/CP) * 100
Loss % = (Loss/CP) * 100
Discount = MP – SP
Discount % = (Discount/MP) * 100
Markup Price = Marked Price – Cost Price
Markup % = (Markup price/ CP) * 100

Other important relations and formulas

SP = MP * ((100 – D)/100)
MP * ((100 – D)/100) = CP * (100+P)/100 or CP* (100-L)/100
Where, D = Discount%
P = Profit %
L = Loss %
 CareersCloud
L E A R N T O L E A D

Shortcut
If there is same successive Profit% and Loss% for a product (x%), then the resultant transaction
will be always LOSS

Loss % = (− x²/100)
If there are two successive profit% or loss % applied for a product, it can be easily written as

For successive profit = x + y + (xy/100) %

For successive loss = – x – y + (xy/100)%

Use ‘+’ for profit% and ‘−’ for loss%

Dishonest dealer
A dishonest dealer selling his goods at CP but uses false
weight, then the profit of the dealer is

Profit % = ((True weight – False weight)/False weight) * 100

 CareersCloud
L E A R N T O L E A D

SIMPLE INTEREST
SI = PNR/100

P – Principal
N – Time period
R – Rate of interest
SI – Simple interest

Amount = Principal + Simple Interest

The annual payment discharging for a debt of Rs. A due in t years at the rate of interest
r% per annum is = 100 * A / (100 * t + (r * t (t - 1)/2))
 CareersCloud
L E A R N T O L E A D

COMPOUND INTEREST
P – Principal
N – Time period
R – Rate of interest
Difference between SI and CI for 2 years
CI – Compound interest

Difference = P (R/100)²
When interest is calculated annually

Difference between SI and CI for 3 years

CI = P {[1 + (R/100)]N – 1}
Amount = P [1 + (R/100)]N
Difference = P (R/100)² * [(300+R)/100]
When interest is calculated quarterly

CI = P {[1 + ((R/4)/100)]4N – 1}
Amount = P [1 + ((R/4)/100)]4N

When interest is calculated half−yearly

CI = P {[1 + ((R/2)/100)]2N – 1}
Amount = P [1 + ((R/2)/100)]2N
 CareersCloud
L E A R N T O L E A D

The annual payment discharging for a debt of Rs. P due in N years at the rate of interest r% per
annum CI is

²
P = X/ (1+ r/100)N + X/ (1+ r/100) N-1 …………………….. X/(1+ r/100) + X/ (1+ r/100)

Where X is the installment

Note: Simple interest and compound interest for the 1st year will always be equal

Important shortcuts:
When two rate of interest is given as R1 and R2 in Compound Interest, then it can combine into a
single rate of interest using this formula

R = {R₁ + R₂ + (R₁ *R₂)/100} -> Effective percentage method

If the sum of money placed at CI amounts to A1 times itself in T1 years and to A2 times itself in
T2 years, then

(1/T1) (1/T2)
(A₁) = (A₂)
 CareersCloud
L E A R N T O L E A D

TIME AND DISTANCE

In general,

Distance = (Speed * Time) km or meter

Speed = (Distance/ Time) km/hr or m/s
Time = (Distance/ Speed) hour or seconds

Conversion:
From km/hr to m/s Multiply by 5/18
From m/s to km/hr Multiply by 18/5
Conversion from hour to minutes or minutes to seconds, Multiply by 60
Conversion from seconds to minutes or minutes to hours, divide by 60

Average speed:
Average speed = Total distance travelled/ Total time taken

Average speed = (2xy)/ (x + y) When the distance covered is the same

Average speed = (x + y)/2 Where x and y are speeds of moving objects when the
time taken is constant
 CareersCloud
L E A R N T O L E A D

Relative speed

Where x and y are speeds of moving objects, Relative speed is calculated when two objects with
speeds of x km/hr and y km/hr was traveling in the opposite direction or in the same direction

- Relative speed = x + y When in the opposite direction

- Relative speed = x – y When in the same direction

 CareersCloud
L E A R N T O L E A D

TRAINS
Time taken by the train to cross a standing pole/stone/man standing on the platform or stationary
train.

Time = (LT/ST)
sT
Pole
Here, LT – Length of the train
LT
ST – Speed of the train

Time taken by a train to cross a platform/Tunnel/Bridge

Time = (LT + LP)/ ST

sT
Here, LT – Length of the train
LT
LP – Length of the platform Platform

ST – Speed of the train

LP
 CareersCloud
Same direction
L E A R N T O L E A D

When two trains move in the same direction, then the time for both trains to overtake one another
is calculated by

Time = (L1 + L2)/ (X − Y) X

Here, L1 - Length of the train 1 L1

L2 – Length of the train 2
X – Speed of the train 1 Y
Y – Speed of the train 2
L2
Opposite direction
When two trains moving in the opposite direction, the time for both trains to cross each other is
calculated by

Time = (L1 + L2)/ (X + Y)

X
Here, L1 - Length of the train 1
L1
L2 – Length of the train 2
X – Speed of the train 1
Y – Speed of the train 2 Y

L2
 CareersCloud
L E A R N T O L E A D

When a man and a train move in the same direction, then the time by the train (X) to overtake
the man (Y) is calculated by

Time = LT/ (X − Y) X Y
Here, LT – Length of the train
X – Speed of the train LT
Y – Speed of the man

When a man and a train move in the opposite direction, then the time by both to cross each other
is calculated by

Time = LT/ (X + Y) X
Y
Here, LT – Length of the train
LT
X – Speed of the train
Y – Speed of the man

Where L1 and L2 are the lengths of the two trains and S1 and S2 are the speeds of the two trains
When the starting time of two trains is same from station x and y and it travels towards each other.
After crossing each other, they took time t1 and t2 in reaching stations y and x respectively, then
the ratio between the speed of the two trains

S1/S2 = √t2: √t1 S1 Kmph S2 Kmph

L1 L2
 CareersCloud
L E A R N T O L E A D

BOATS AND STREAM

The most important terms in this topic are
Downstream

SB – Speed of the boat or Speed of the boat in still water

Sw – Speed of water or Speed of stream or Rate of stream
or Speed of Current
DWs – Downstream speed of the boat
UPs – Upstream speed of the boat
Sw
Upstream

SB

SB
Downstream speed = SB + Sw (km/hr)
Upstream speed = SB – Sw (km/hr)
Sw
Speed of the boat in still water = 1/2( DWs+ UPs)
Speed of the stream = 1/2(DWs − UPs)
 CareersCloud
L E A R N T O L E A D

TIME AND WORK

Total work = Efficiency * time taken

Efficiency = Total work / Number of days
Efficiency = Amount of work done by a person in 1 hour or 1 day

If the person constructing a building, there will be positive efficiency and if the person is
destroying the building the efficiency will be negative

Fraction method:

If a person completes a piece of work in ‘n’ days, then the part of the work done by the person in
one day = (1/n)
 CareersCloud
L E A R N T O L E A D

Chain rule

(M₁ * T₁ * D₁)/W₁ = (M₂ * T₂ * D₂)/W₂

Here,
M – Number of Men
T – Number of Hours
D – Number of Days
W – Amount of work done

Wages
Wages is proportional to the amount of work done by the workers

Other important formula

If A and B together take ‘x’ days to complete a job If A alone takes ‘a’ days more than A and B
working together to do a job and B alone takes ‘b’ days more than A and B working together to do a
job, then

x = √(a*b) days
 CareersCloud
L E A R N T O L E A D

PIPES AND CISTERN

If pipes P₁ can fill the tank in ‘x’ hours and P₂ can fill the tank in ‘y’ hours and both are opened
together, then part of the tank is filled in

1 hour = (1/x) + (1/y) P1 P2

X Y
Hours Hours

If pipes P₁ can fill the tank in ‘x’ hours and P₂ can empty the tank in ‘y’ hours and both are opened
together, then part of the tank filled in
P1
1 hour = (1/x) – (1/y)

X Hours

P2

Y Hours
Note: Pipes that empty the tank will have negative efficiency
 CareersCloud
L E A R N T O L E A D

PERMUTATION AND COMBINATION

Permutation
Permutation means an arrangement of numbers or alphabets in order

nPr = n! / (n − r)! where 0 ≤ r ≤ n

n – Total number of elements in a set;

r – Number of elements to be arranged

Circular permutation
Note
1) If clockwise and anti−clockwise orders are different, then the number
of ways to arrange ‘n’ number of distinct object = (n − 1)! 1) 0! = 1

2) If clockwise and anti−clockwise orders are same, then the number of 2) n

Pn = n!
ways to arrange ‘n’ number of distinct object = (n − 1)! / 2 3) n
P0 = 1
 CareersCloud
L E A R N T O L E A D

Combination Note
Combination means selection of objects from the given sets 1) 0! = 1
2) n
Cn = 1
Cr = n! / ((n − r)! * r!) where 0 ≤ r ≤ n
n
3) n
C0 = 1
n – Total number of objects; 4) nCr = n
C(n-r)
r – Number of objects to be selected 5) nCr +
n
Cr-1 = (n+1)
Cr

Relation between permutation and combination

0! = 1 5! = 120
Cr = Pr / r!
n n
1! = 1 6! = 720
(or) 2! = 2 7! = 5040
3! = 6 8! = 40320
Pr = r! * nCr
n
4! = 24 9! = 362880

Some important factorial values to be memorized

for faster calculation:
 CareersCloud
L E A R N T O L E A D

PROBABILITY
Probability = Number of favorable outcomes/ Total number of outcomes
P(E) = n(E)/n(S)

The value of probability lies between 0 to 1

Sample space means the total number of outcomes for an event

SAMPLE SPACE FOR COINS

The sample space for coins or dice can be found using the formula xy

Where, x= number of faces

y= number of coins/dice

1) Sample space of 2 coins tossed together

{HH, HT, TH, TT} = 4

2) Sample space of 3 coins tossed together

{HHH, HHT, HTH, THH, HTT, THT, TTH, TTT} = 8

 CareersCloud
L E A R N T O L E A D

SAMPLE SPACE FOR DICE

1) Throwing a dice, we can have 6 outcomes. So the sample space will be,

S = {1, 2, 3, 4, 5, 6}.

2) Sample space of 2 dice thrown together

= 36

Throwing a die twice and throwing two dice simultaneously are treated as the same experiment.

Sample space = {(1,1), (1,2), (1,3), (1,4), (1,5), (1,6)

(2,1), (2,2), (2,3), (2,4), (2,5), (2,6)
(3,1), (3,2), (3,3), (3,4), (3,5), (3,6)
(4,1), (4,2), (4,3), (4,4), (4,5), (4,6)
(5,1), (5,2), (5,3), (5,4), (5,5), (5,6)
(6,1), (6,2), (6,3), (6,4), (6,5), (6,6)}
 CareersCloud
L E A R N T O L E A D

MIXTURE AND ALLIGATION

Cost Price = CP

CP of cheaper quantity(c) CP of dearer quantity(d)

Mean price(m)

(d − m) (m − c)

(Mean price – CP of cheaper quantity)/ (CP of dearer quantity – Mean price) = (m - c)/ (d - m)

Repeated dilution:
If a container contains ‘x’ litres of a liquid out of the total capacity and it is replaced by ‘y’ liters of
other liquid for ‘n’ number of times, then the final quantity of liquid ‘x’ in the container is,

Final quantity of liquid ‘x’ = x (1 – (y/c) n )

x – Initial quantity of the liquid
y – Replaced quantity at a time
n – Number of times replaced
c - Capacity of Container
 CareersCloud
L E A R N T O L E A D

QUADRATIC EQUATION
Quadratic equation is in the form of ax² + bx + c = 0

Signs of smaller value root,

Sign of ‘b’ Sign of ‘c’
Signs of larger value root

+ + -,-

- + +,+

- - -,+

+ - +,-
 CareersCloud
L E A R N T O L E A D

Number System
Important formulas:
1. Sum of first n natural numbers = n(n+1)/2
E.g. Sum of first 5 natural numbers = 1+2+3+4+5=5(5+1)/2=15
2. Sum of squares of first n natural numbers = n(n+1)(2n+1)/6
E.g. Sum of squares of first 6 natural numbers = 1²+2²+3²+4²+5²+6² = 6(6+1)(2*6+1)/6 = 91
3. Sum of cubes of first n natural numbers = (n(n+1)/2)²
E.g. Sum of cubes of first 4 natural numbers = 1³+2³+3³+4³= (4(4+1)/2)² = 100
4. Sum of first n even natural numbers = n(n+1)
E.g. Sum of first 4 even natural numbers = 2+4+6+8 = 4(5) = 20
5. Sum of first n odd natural numbers = n²
E.g. Sum of first 3 odd natural numbers = 1+3+5 = n² = 9
6. Sum of n number of terms of a natural number series in which the difference between any two
consecutive terms is same = n/2 (first term + last term)
E.g. Sum of all 3 term in the series 3, 6, 9 = 3/2(3+9) = 18
2D Formulas
CareersCloud
L E A R N T O L E A D

Name Figure Perimeter Area

l*b
Rectangle b 2 * (l + b) Note:
l Diagonal of Rectangle
d² = l² + b²

a
a2
Square a a 4*a
Diagonal of square =
d = a * √2
a

a c s = {a + b + c}/2
Scalene Triangle √ {s (s - a) (s - b) (s - c)}
S = Semi-perimeter
b

h d
Right Triangle b+h+d 1/2 * b * h
b
2D Formulas
CareersCloud
L E A R N T O L E A D

Name Figure Perimeter Area

a a 1/2 * a * h
Equilateral triangle h 3*a (or)
√3/4 * a²
a

a h a 1/2 * b * h
Isosceles 2a + b or
Triangle
1/4 x b * √(4a²-b²)
b

Parallelogram a h a b*h
2 * (a + b)
b
a
d1
Rhombus a d2 a 4*a 1/2 * d1 * d2

a
 Name Figure Perimeter/Circumference Area
b

Trapezium d h c a+b+c+d 1/2 * (a + b) * h

r
Circle 2*π*r π * r²
o

Semicircle o π*r+2*r 1/2 * π * r²

r r

Area = π * (R² - r²)

Ring R Outer Circumference = 2πR
r Outer Radius - R
(Shaded Region) Inner Circumference = 2πr
Inner Radius - r

Sector of a A L+2*r
Cirlce r ϴ/360⁰ * (π * r²)
B C Here L = segment
L
CareersCloud
L E A R N T O L E A D
 Name Figure Perimeter/Circumference Area
l
Pathways
running across w
w w 2( l + b - 2 * w) (l+b-w)w
the middle of a b
rectangle w

w
l Inner = 2 ( l + b)
Outer Pathways bw (l + b + 2 w) * 2 w
Outer = 2 (l + b + 4 w)

l
w
Inner = 2 ( l + b - 4 w)
Inner Pathways (l + b - 2 w) * 2 w
w b Outer = 2 ( l + b)

CareersCloud
L E A R N T O L E A D
3D Formulas
CareersCloud
L E A R N T O L E A D

Name Figure Surface Area Volume

Lateral surface area

l*b*h
h = 2 * (l + b) * h
Cuboid Diagonal of Cuboid
Total surface area
b d² = l² + b² + h²
l = 2 * (lb + bh + hl)

Lateral surface area = 4a²

Total surface area = 6a²
Cube a Diagonal of cube = d = a * √3 a³
Face diagonal of the cube
a = a * √2
a

Curved surface area

Right circular =2*π*r*h
h π * r² * h
Cylinder Total surface area
r = 2 * π * r (h + r)

Curved surface
l =π*r*l
Right Circlular h
Total surface area 1/3 * π * r² * h
Cone
r = π * r (l + r)
3D Formulas
CareersCloud
L E A R N T O L E A D

Name Figure Surface Area Total Area

Curved surface area

r = 4 * π * r²
Sphere 4/3 * π * r³
Total surface area
= 4 * π * r²

r Curved surface area

= 2 * π * r²
Hemisphere 2/3 * π * r³
Total surface area
= 3 * π * r²

r
Curved surface area
Frustum of a = π * (R + r) * l
h 1/3 * π * (R² + r² + R * r) * h
Right Circular Cone Total surface area
= π * (R + r) * l + π * (R² + r²)
R
 Daily Daily Efforts Paid
200 Questions Never Fails Subscribers
Gets 200 Question Daily

No.of Quiz timing Total

Subject Course Title Questions Questions
Hindu Editorial Vocabulary 10 - 15 5 : 00 AM 120

Crack - Reading Comprehension 5-7 6 : 00 AM 40

Prelims General English 10 7 : 00 AM 270

Mains General English 10 8 : 00 AM 140

Mains Data Interpretation 10 10 : 00 AM | 10:15 AM 2150

Mains Puzzle & Seating 10 10 : 00 AM | 10:45 AM 2150

Prelims Data Interpretation 10 11 : 00 AM | 11:15 AM 1775

Prelims Puzzle & Seating 10 11 : 30 AM | 11:45 AM 1825

Mains Arithmetic 10 12 : 00 PM 950

Prelims Arithmetic 10 12 : 30 PM 2050

Mains Quantitative Aptitude 10 4 : 30 PM 1000

Prelims Quantitative Aptitude 10 5 : 00 PM 1500

Mains Logical Reasoning 10 6 : 00 PM 900

Prelims Logical Reasoning 10 6 : 00 PM 1950

Crack - Current Affairs 30 6 : 00 AM 1500

Other CA Topic-Wise Quiz 15 - 30 6 : 00 PM

Total 180 - 200

Note : The given total questions count are upto February 2022