Ic 33 Tamil

jkpo; - Irp-33
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mj;jpahak; 1
fhg;gPL mwpKfk;
mj;jpaha mwpKfk;
,e;j mj;jpahaj;jpd; Fwpf;Nfhs; fhg;gPbd; mbg;gilfis> mJ vg;gb
Njhd;wpaJ> kw;Wk; vg;gb ,aq;FfpwJ vd;gij mwpKfg;gLj;JtJ. vjph;ghuhj
rk;gtq;fspdhy; Vw;gLk; nghUshjhu e\;lj;jpw;F vjpuhf fhg;gPL vg;gb
cjTfpwJ kw;Wk; mgha ifkhw;wj;jpw;F Kf;fpa nrayikg;ghf vg;gb
nray;gLfpwJ vd;gijAk; ePq;fs; fw;Wf; nfhs;tPh;fs;
fw;gjw;fhd Fwpf;Nfhs;fs;
m) fhg;gPL tuyhW – tuyhW kw;Wk; gupzhkk;
M) fhg;gPL vt;thW nray;gLfpwJ
,) mgha Nkyhz;ik mZFKiwfs;
<) mghaj;ij epu;tfpf;Fk; fUtpahf fhg;gPL
c) r%fj;jpy; fhg;gl
P ;bd; gq;F
RUf;fk;
fhg;gPL “mgha Nrfupg;G %yk; mgha ifkhw;wk;” vdg;gLk;

,d;W eilKiwapy; cs;s fhg;gPlL ; tzpfk; njhlq;fpa ,lk;. yz;ld;
yhapl;]; fhgp `T]; vd;W njupatUfpwJ.
xU fhg;gL P Vw;ghby; gpd;tUk; jdpjd;ikfs; cs;sd.
 nrhj;J>
 mghak;>
 Mgj;J>
 xg;ge;jk;>
 fhg;gPl;L epWtdk; kw;Wk;
 fhg;gPL ngw;wth;
xNu khjpup nrhj;jf;fis nfhz;l kw;Wk; xNu khjpup mghaq;fSf;F
cs;shff;$ba egh;f;s xU nghJthd epjp Nrhkj;jpy; gq;Nfw;fpw NghJ
mJ Nrfupj;jy; vd mwpag;gLfpwJ.
fhg;gPil jtpu> mghaj;ij epu;tfpf;Fk; kw;w topfspy; cs;sit:

 mgha jtph;g;G>
 mgha fl;Lg;ghL>
 mgha itj;jpUj;jy;>
 mgha epjp>
 mgha ifkhw;wy;
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fhg;gPbd; mbg;gil tpjpfs; gb:

 ,of;f Kbtij tpl mjpfkhf mghaj;jpd; kjpg;gPL ,Uf;ff;$lhJ
 ftdkhf mghaj;jpd; rhj;jpaKs;s ntspg;ghLf;s midj;ijAk;
gbf;fTk; kw;Wk;
 rpwpajpw;F mjpf mghaj;ij vjph;nfhs;s Ntz;lhk;
Kf;fpa thh;j;ijfs;
1. mghak;
2. Nrfupg;G
3. nrhj;J
4. mgha Rik
5. mgha jtph;j;jy;
6. mgha fl;Lg;ghL
7. mghaj;ij itj;jpUj;jy;
8. mgha epjp
9. mgha ifkhw;wy;
Nfs;tp 1
,e;jpahtpd; fhg;gl
P ;L njhopiy gpd;tUtjpy; vJ xOq;FgLj;JfpwJ?
1. ,e;jpa fhg;gPl;L mjpfhuk;
2. fhg;gPL xOq;FKiw kw;Wk; Nkk;ghl;L Mizak;
3. ,e;jpa MAs; fhg;gPl;L fofk;
4. ,e;jpa nghJ fhg;gPl;L fofk;
Nfs;tp 2
gpd;tUtjpy; ,uz;lhk; mgha Rik vd;gJ vJ?
1. tzpf FWf;fPL nryT
2. nghUl;fs; Nrjike;j nryT
3. vjph;fhyj;jpy; ,og;Gfis re;jpf;f xU ,Ug;G epjpia xJf;fp itg;gJ
4. khuilg;G fhuzkhf M];gj;jpupapy; mDkjp nryTfs;
Nfs;tp 3
gpd;tUtjpy; vJ xU mgha ifkhw;Wjy; Kiw?
1. tq;fp epue;ju ikg;G (FD)

2. fhg;gPL
3. gq;Ffs;
4. upay; v];Nll;
Nfs;tp 4
gpd;tUk; R+oy;fspy; vjw;F fhg;gPL mtrpakhf Njitg;gLfpwJ?
1. FLk;gj;jpy; rk;ghjpf;Fk; xNu xUth; mfhy kuzk; milayhk;
2. xU egh; mtuJ gzg;igia ,of;f NeupLk;
3. gq;F tpiyfs; kpfTk; Fiwe;J tplyhk;
4. ,aw;if Nja;khdk; fhuzkhf xU tPl;bd; kjpg;G Fiwayhk;.
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4
Nfs;tp 5
fPOs;sjpy; ve;j jpl;lj;ij fhg;gPlL
; epWtdNk murpd; Mjutpy;yhky;
toq;FfpwJ?
1. njhopyhsh; muR fhg;gl P ;L fofk;
2. gaph; fhg;gl
P ;L jpl;;lk;
3. kf;fs; MNuhf;fpa jpl;lk;
4. NkYs;s midj;Jk;
Nfs;tp 6
mgha Nrfupg;G %yk; mghaj;ij ifkhw;WtJ ___________ vdg;gLk;.
1. Nrkpg;G
2. KjyPLfs;
3. fhg;gPL
4. mgha jLg;G
Nfs;tp 7
mgha epfo;T tha;g;Gfis Fiwf;Fk; eltbf;if ___________ vdg;gLk;.
1. mghaj;ij itj;jpUj;jy;
2. ,og;G jLg;G
3. mgha ifkhw;wk;
4. mgha jtph;g;G
Nfs;tp 8
fhg;gPl;L epWtdj;jpw;F mghaj;ij ifkhw;Wtjd; %yk;> mJ rhj;jpakhfpwJ:
1. ek; nrhj;jf;fis gw;wp ftdf;Fiwthf ,Uf;fyhk;
2. ,og;G Neh;e;jhy; fhg;gL
P %yk; gzk; ngw;W mDgtpf;fyhk;
3. ek; nrhj;jpd; kPJs;s Kf;fpakhd mghaq;fis Gwf;fzpf;fyhk;
4. kd mikjp mDgtpf;fyhk; kw;Wk; NkYk; jpwk;gl tzpfj;ij
jpl;lkplyhk;.
Nfs;tp 9
etPd fhg;gL
P tzpfj;jpd; Mjhuj;ij ___________ ,lj;jpy; fhzyhk;.
1. mlF fld;fs;
2. yhapl;];
3. Nuhl;];
4. ky;N`hj;uh FO
Nfs;tp 10
fhg;gPl;L gpd;dzpapy; ‘mghak; itj;jpUj;jy;’ _______ epiyikia Fwpf;fpwJ.
1. ,og;G my;yJ Nrjj;jpw;fhd rhj;jpak; ,y;iy
2. ,og;G cw;gj;jpnra;Ak; epfo;Tf;F ve;j kjpg;Gk; ,y;iy
3. nrhj;J fhg;gL
P nra;ag;gl;ls;sJ.
4. mghak; kw;Wk; mjd; tpisTfs; xUth; jhq; KbT nra;fpwhh;
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Nfs;tp 11
gpd;tUk; mwpf;ifapy; vJ rup?
1. fhg;gPL nrhj;ij ghJfhf;fpwJ
2. fhg;gPl;L mjd; ,og;ig jLf;fpwJ
3. fhg;gPl;L ,og;gpd; tha;g;Gfis Fiwf;fpwJ
4. nrhj;J ,og;G Vw;gLk; NghJ fhg;gPL mij <L nra;fpwJ
Nfs;tp 12
xt;nthd;Wk; &.20>000 kjpg;Gs;s 400 tPLfspy;> ruhrupahf 4 tPLfs; xt;nthU
tUlKk; vhpf;fg;gLfpd;wd. ,jd; tpisthf Vw;gLk; xUq;fpize;j
,og;Gj;njhif &.80>000 ,e;j ,og;ig <L nra;a xt;nthU tPl;bd;
cupikahsupd; tUlhe;jpu gq;fspg;G vt;tsT ,Uf;f Ntz;Lk;?
1. &.100/-
2. &.200/-
3. &.80/-
4. &.400/-
Nfs;tp 13
gpd;tUk; mwpf;iffspy; ,jpy; vJ rup?
1. fhg;gPL ‘gyh;’ xU ‘rpyupd;’ ,og;Gfis gfpu;e;Jf; nfhs;Sk; xU Kiw
2. fhg;gPL jdp egupd; mghaj;ij ,d;ndhU jdp egUf;F ifkhw;Wk; xU
Kiw
3. fhg;gLP rpyupd; ,og;Gf;fis ‘gyh;’ gfph;e;Jf;nfhs;Sk; xU Kiw
4. fhg;gPL rpyupd; ntw;wpfis gyUf;F khw;Wk; xU Kiw
Nfs;tp 14
xU mghaj;ij Vw;Fk; Kd; fhg;gL P epWtdq;fs;> nrhj;ij Ma;T kw;Wk;
gupNrhjid nra;a Vw;ghL nra;fpwhh;fs;. Vd;?
1. kjpg;gPL Nehf;fq;fSf;fhf mghaj;ij kjpg;gpl
2. fhg;gPL nra;ag;Nghfpwth; nrhj;ij thq;fpd tpjj;ij fz;Lgpbf;f
3. kw;w fhg;gL P epWtdq;fSk; nrhj;ij Ma;T nra;jduh vd;W
fz;Lgpbf;f
4. gf;fj;jpy; cs;s nrhj;ijAk; fhg;gLP nra;a KbAkh vd;W fz;Lgpbf;f
Nfs;tp 15
fPOs;s tpUg;gq;fspy; vJ fhg;gPL Kiwia rupahf tiuaWf;fpwJ?
1. rpyupd; ,og;Gfis ‘gyh;’ gfph;e;Jf;nfhs;Sk; xU Kiw
2. ‘gyh;’ xU ‘rpyupd;’ ,og;Gf;fis gfph;e;Jf;nfhs;Sk; xU Kiw
3. xUth; kl;LNk ‘rpyupd; ,og;Gf;fis gfph;e;Jf;nfhs;Sk; xU Kiw
4. khdpak; %yk; ,og;Gfis
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mj;jpahak; 2
MAs; fhg;gPby; rk;ge;jg;gl;lit
mj;jpaha mwpKfk;
fhg;gPl;by; ehd;F mk;rq;fs; cs;sd
 nrhj;J
 fhg;gPL nra;ag;gl;l mghak;
 epjp Nrfupg;G nfhs;if
 xg;ge;jk;
,g;NghJ ehk; MAs; fhg;gPlb
; d; mk;rq;fis Muha;Nthk;. ,e;j mj;jpahak;
NkNy Fwpg;gpl;Ls;s MAs; fhg;gl P ;bd; gy;NtW $Wfis RUf;fkhf
tpsf;FfpwJ.
m. MAs; fhg;gPl;L tzpfk; - $Wfs;> kdpj tho;tpd; kjpg;G> epjpgupkhw;wk;.
RUf;fk;
1. xU nrhj;J vd;gJ kjpg;G my;yJ tUtha; tpistpf;Fk; xd;W

2. HLV fUj;J tUkhdk; jUfpw nrhj;jhf my;yJ cilikahf kdpj
tho;f;ifia fUJfpwJ. xU jdpg;gl;lth; vjph;ghh;f;Fk; epfu vjph;fhy
tUthapd; mbg;gilapy; kdpj tho;tpd; kjpg;G mstplg;gLfpwJ.
3. epiy g;hPkpak; vd;gJ taJld; mjpfhpf;fhj khjpup eph;zapf;fg;gl;l
g;hPkpak; msT kw;Wk; xg;ge;j fhyk; KOtJk; njhlh;e;J ,J
epiyahdjhf ,Uf;Fk;.
4. epjpgupkhw;wk; (Mutuality) vd;gJ epjp re;ijfspy; mghaj;ij
Fiwf;Fk;
Kf;fpakhd topfspy; xd;W> kw;nwhd;W gy;tifg;gLj;jJjyhf cs;sJ.
5. MAs; fhg;gb P d; cj;juthj cWg;G> mJ fLikahd fl;Lg;ghL kw;Wk;
KOikahd fz;fhzpg;gpw;F cl;gl;lJ vd;gjw;Fk; cWjpaspf;fpwJ.
Kf;fpakhd thh;j;ijfs;
1. nrhj;J
2. kdpj tho;tpd; kjpg;G
3. epiy g;hPkpak;
4. epjpgupkhw;wk;
5. gy;tifg;gLj;Jjy;
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Nfs;tp 1
gy;tifg;gLj;Jjy; (Diversification) epjp re;ijfspy; mghaq;fis vg;gb

Fiwf;fpwJ?
1. gy Mjhuq;fspy; ,Ue;J epjp Nrfupj;jy; kw;Wk; xNu ,lj;jpy; mtw;iw
KjyPL nra;tJ
2. gy;NtW nrhj;J tiffspy; epjpfis KjyPL nra;tJ
3. KjyPLfs; ,ilNa Neu tpj;jpahrj;ij guhkupj;jy;
4. ghJfhg;gd nrhj;Jf;fspy; KjyPL nra;tJ
Nfs;tp 2
fPNoAs;sjpy; vJ MAs; fhg;gPlb
; d; xU cWg;G my;y?
1. nrhj;J 3. mghak;
3. epjpgupkhw;w nfhs;if 4. khdpak;
Nfs;tp 3
ahh; HLV - ,d; fUj;ij tbtikj;jJ?
1. lhf;lh; khh;l;bd; Y}jh; fpq; 2. thud; g/Ng
3. Nguhrpupah; `a+g;dh; 4. [hh;[; nrhNuh];
Nfs;tp 4
fPNo Fwpg;gpl;ls;s fhg;gl
P ;L jpl;lq;fspy; vjpy; Nrkpg;G cWg;gpd; msT
Fiwe;jjhf my;yJ ,y;yNt ,y;iy?
1. fhy fhg;gPl;L jpl;lk;
2. vz;Nlhnkd;l; fhg;gPl;L jpl;lk;
3. tho;ehs; KOtJk; jpl;lk;
4. gz-kPlr
; p jpl;lk;
Nfs;tp 5
gpd;tUtjpy; vij nrhj;J vd $w KbahJ?
1. fhh; 2. kdpj tho;f;if
3. fhj;J 4. tPL
Nfs;tp 6
fPOs;sjpy; vij mghaq;fspy; fPo; tifg;gLj;j KbahJ?
1. kpf ,stajpy; ,wg;gJ 3. kpf rPf;fpuk; ,wg;gJ
2. ,aw;ifahd Nja;khdk; 4. cly; Cdj;Jld; tho;tJ
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Nfs;tp 7
fPOs;s $w;wpy; vJ cz;ikahdJ?
1. MAs; fhg;gl P ;L nfhs;iffs; <l;LWjp xg;ge;jq;fs;> kWGwk; MAs;
fhg;gPl;L ghyprpfs; cj;juthj xg;ge;jq;fshf cs;sd.
2. MAs; fhg;gPl;L nfhs;iffs; cj;juthj xg;ge;jq;fs;> kWGwk; MAs;
fhg;gPlL; ghyprpfs; <l;LWjp xg;ge;jq;fshf cs;sd.
3. nghJ fhg;gPL tof;fpy;> fhg;gspf;fg;gLk; mghak; epr;rakhd xd;whf
cs;sJ.
4. nghJ fhg;gPL tof;fpy; cs;s mgha epfo;tpd; cWjpg;ghL fhyj;Jld;
mjpfhpf;fpwJ.
Nfs;tp 8
gpd;tUk; Kiwfspy; xU jdpegUf;F Njitahd fhg;gPil jPh;khdpf;f
cjtf;$ba ghuk;gupa Kiw vJ?
1. kdpjdpd; nghUshjhu kjpg;G
2. tho;T-fhy Kd;nkhopjy;
3. kdpj tho;tpd; kjpg;G
4. vjph;fhy tho;tpd; kjpg;G
Nfs;tp 9
tajhdth;fSld; xg;gpLk; NghJ ,isQh;fSf;F Fiwe;j MAs; fhg;gl P ;L;
g;hPkpak; tpjpf;fg;gLtjw;F kpf nghUj;jkhd tpsf;fk; vd fPOs;sjpy; vij
$wyhk;?
1. ,isQh;fs; ngUk;ghYk; rhh;e;J tho;fpd;wdh;
2. tajhdth;fshy; mjpf gzk; fl;l KbAk;
3. ,wg;gpw;F taJld; njhlh;Gs;sJ
4. ,wg;gpwF taJld; vjph;khwhd njhlh;Gs;sJ
Nfs;tp 10
gz kjpg;G fhg;gl
P ;L xg;ge;jq;fspd; fPOs;sjpy; vJ mD$ykhdJ my;y?
1. ghJfhg;ghd kw;Wk; gj;jpukhd KjyPL
2. Nrkpf;Fk; xOf;fj;ij kdjpy; gjpa itf;fpwJ
3. Fiwthd gad;fs;
4. tUkhd thp mD$yq;fs;
Nfs;tp 11
fPOs;sjpy; vJ gz kjpg;G fhg;gl
P ;L xg;ge;jq;fspy; mD$yq;fspy;; xd;W?
1. gztPf;fj;jpd; mopf;fpd;w tpisT gb gaDk; fpilf;fpwJ II.
Ke;ija
2. Kjy; rpy Mz;Lfspy; Fiwe;j Nrfupg;G
3. Fiwthd gad;fs;
4. ghJfhg;ghd KjyPL
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mj;jpahak; 3
MAs; fhg;gPbd;; rl;lhPjpahd nfhs;iffs;
mj;jpaha mwpKfk;
,e;j mj;jpahaj;jpy;> MAs; fhg;gl
P ;L xg;ge;jj;ij fl;Lg;gLj;Jk;
Mf;ff;$Wfis gw;wp ehk; tpthjpf;fpNwhk;. ,e;j mj;jpahak; MAs; fhg;gPl;L
xg;ge;jj;jpd; rpwg;G mk;rq;fisg; gw;wpAk; tpsf;FfpwJ.
m. fhg;gL
P xg;ge;jk; - rl;l mk;rq;fs; kw;Wk; rpwg;G mk;rq;fs
RUf;fk;
fhg;gPL vd;gJ> fhg;gPl;L epWtdk; g;hPkpak; vd miof;fg;gLk; xU tpiy

my;yJ fUJif %yk; Fwpg;gpl;l mghaq;fSf;F vjpuhf epjp
ghJfhg;ig toq;f xg;Gf;nfhs;tjhf xU xg;ge;j cld;ghL.
xg;ge;jk; vd;gJ xU fl;rpfs; ,ilNa rl;lj;jhy; mky;gLj;jg;gl;l xU
cld;ghlhf ,Uf;fpwJ.
nry;YgbahFk; xg;ge;jj;jpd; Mf;ff;$Wfspy; mlq;Fgit:
1. mspj;jy; kw;Wk; Vw;Wf; nfhs;Sjy;
2. rl;lg;g+h;tkhd fUJif
3. fUj;njhUkpj;j (Consensus ad idem)
4. jilaw;w xg;Gjy;
5. fl;rpfspd; jFjp
6. tp\aj;jpd; rl;l cupikt
fhg;gPl;L xg;ge;jj;jpd; rpwg;G mk;rq;fspy; mlq;Fgit:

1. Cgupkh /igl;];>
2. fhg;gPLg; gw;W>
3. fhg;gPLg; gw;W
1. mspj;jy; kw;Wk; Vw;Wf; nfhs;Sjy;
2. rl;lg;g+h;tkhd fUJif
3. fUj;njhUkpj;j (Consensus ad idem)
4. Cgupkh /igl;]; (Uberrima fides)
5. mbg;gil cz;ikfs;
6. fhg;gPLg; gw;W
7. mz;ikf; fhuzk;
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10
Nfs;tp 1
gpd;tUtjpy; vJ mr;RWj;jYf;fhd xU cjhuzk; MFk;?
1. uNk\; mr;rbj;jij gw;wpa mwpT ,y;yhky; xU xg;ge;jj;jpy;
ifnaOj;jpLfpwhh;.
2. kNk\; xg;ge;jj;jpy; ifnaOj;jplhtpl;lhy; mtid nfhd;WtpLNtd;
vd;W uNk\; mr;RWj;Jfpwhh;.;
3. kNfi\ xU xg;ge;jj;jpy; ifnaOj;jpl itf;f uNk\; mtuJ njhopy;
epiy nry;thf;if gad;gLj;Jfpwhh;.
4. kNfi\ xU xg;ge;jj;jpy; ifnaOj;jpl itf;f uNk\; jtwhd
jftiy toq;Ffpwhh;.
Nfs;tp 2
gpd;tUk; tpUg;gq;fspy; uNk\hy; ahUf;F fhg;gL
P nra;aKbahJ?
1. uNk\pd; tPL 2. uNk\pd; kidtp
3. uNk\pd; ez;gd; 4. uNk\pd; ngw;Nwhh;fs;
Nfs;tp 3
nry;YgbahFk; xg;ge;jj;jpd; ve;j Mf;ff;$W g;hPkpaj;ij ifahSfpwJ?
1. mspj;jy; kw;Wk; Vw;Wf;nfhs;Sjy; 2. fUJif
3. jilaw;w xg;Gjy; 4. xg;ge;jk; nra;a fl;rpfSf;F cs;s jFjp
Nfs;tp 4
_____________ -Jy;ypakw;w mwpf;iffSld; rk;ge;jg;gl;lJ> mjhtJ ve;jtpj
Nkhrbahd vz;zj;JlDk; $wg;glhjit.
1. jpupj;Jf;$Wjy; 2. gq;fspg;G
3. mspj;jy 4. gpujpepjpj;Jtk;
Nfs;tp 5
______________ Fw;w topKiwfs; %yk; mOj;jj;ij jUtij Fwpf;fpwJ.
1. Nkhrb 2. jfhj Mjpf;fk;
3. mr;RWj;jy; 4. jtW
Nfs;tp 6
gpd;tUtdtw;wpy; ve;j $W MAs; fhg;gPl;L xg;ge;jq;fs; njhlh;ghf cz;ik?
1. mit rl;lhPjpahf mky;gLj;jg;gLj;j ,ayhj tha;nkhop xg;ge;jq;fs;
2. mit rl;lhPjpahf mky;gLj;jf;$ba tha;nkhop xg;ge;jq;fs;
3. ,J ,e;jpa xg;ge;jq;fs; rl;lk;> 1872 - ,d; NjitfSf;F Vw;g ,U
fl;rpfSf;F (fhg;gPl;L epWtdk; kw;Wk; fhg;gPL ngWgth;) ,ilNa
Vw;gLk; xg;ge;jk;.
4. mit ge;ja xg;ge;jq;fs; khjpup
Nfs;tp 7
gpd;tUtjpy; vJ xg;ge;jj;jpw;fhd nry;YgbahFk; fUJif ,y;iy?
1. gzk; 2. Cilik 3. yQ;rk; 4. Eif
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11
Nfs;tp 8
fPNo cs;stu;fspy; vtUf;F xU MAs; fhg;gl
P ;L xg;ge;jj;jpy; Eioa jFjp
,y;iy?
1. tzpf cupikahsh; 2. ikdh; my;yJ Kjpuh tajpdh;
3. ,y;yj;jurp 4. muR Copah;
Nfs;tp 9
fPNo cs;s eltbf;ifapy; vJ “cguupkh /igl;;];” “Uberrima Fides”
nfhs;ifia Fwpf;fpwJ?
1. fhg;gPl;L Kd;nkhopT gbtj;jpy; njupe;j kUj;Jt epiyikfis gw;wp
ngha;ahf vOJtJ
2. fhg;gPl;L Kd;nkhopT gbtj;jpy; njupe;j kUj;Jt epiyikfis gw;wp
ngha;ahf vOJtJ
3. fhg;gPlL; Kd;nkhopT gbtj;jpy; njupe;j mbg;gil cz;ikfis
ntspALtJ
4. cupa Neuj;jpy; g;hPkpaj;ij fl;LtJ.
Nfs;tp 10
fhg;gPLg; gw;W Fwpj;J fPNoAs;s vJ rupahdjpy;iy?
1. je;ij jdJ kfd; ngaupy; fhg;gL P vLg;gJ
2. tho;f;if Jizth;fspy; xUth; ngaupy; ,d;ndhUth; fhg;gPL vLg;gJ
3. ez;gh;fs; kw;nwhU ez;gupd; ngaupy; fhg;gPL vLg;gJ
4. Kjyhsp jd; Copah;fSf;fhf fhg;gPL vLg;gJ
Nfs;tp 11
fhg;gPLg;gw;W MAs; fhg;gPL tof;fpy; ,Uf;f Ntz;baJ vg;NghJ mtrpak;?
1. fhg;gPL vLf;Fk; Neuj;jpy; 2. <Lf;NfhUk; Neuj;jpy;
3. MAs; fhg;gPL tof;fpy; fhg;gL
P g;gw;W Njitapy;iy
4. ghyprp thq;Fk; rkaj;jpy; my;yJ <Lf;Nfhuy; rkaj;jpy;
Nfs;tp 12
gpd;tUk; fhl;rpapy; kuzj;jpw;fhd mz;ik fhuzpia fz;Lgpbf;fTk;? m[a;;
FjpiuapypUe;J tpOfpwhh; kw;Wk; mtuJ KJnfYk;G cile;J tpLfpwJ.
mth; jz;zPh; Fsj;jpy; tpOfpwhh; kw;Wk; epNkhdpah Nehahy; ghjpf;fg;gLfpwhh;.
mth; kUj;Jtkidapy; mDkjpf;fg;gLfpwhh; kw;Wk; epNkhdpahthy; ,we;J
tpLfpwhh;.
1. epNkhdpah 2. KJnfYk;G cile;jjhy;
3. FjpiuapypUe;J tpOe;jjhy; 4. mWit rpfpr;ir
Madurai-625001-Mob:9842317355,9629190291,9655564322
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mj;jpahak; 4
epjp jpl;lkply;
mj;jpaha mwpKfk;
Ke;ija mj;jpahaq;fspy; ehk; MAs; fhg;gl P ;by; rk;ge;jg;gl;l tp\aq;fs;
kw;Wk; epjp ghJfhg;G toq;Ftjpy; mjd; gq;if gw;wp tpthjpj;Njhk;.
jw;NghJs;s Njitfs; kw;Wk; vjph;fhyj;jpy; gy;NtW Njitfis g+h;j;jp
nra;a jq;fsJ tUkhdk; kw;Wk; nry;tj;jij xJf;f jdpegh;fSf;F cs;s
ftiyfspy; epjp ghJfhg;Gk; xd;whFk;. ,jdhy;> MAs; fhg;gi P l “jdpg;gl;l
epjp jpl;lkply;” vd;w gue;j R+oypy; Gupe;J nfhs;s Ntz;Lk;. epjp jpl;lkply;
gw;wpa ghlj;ij mwpKfg;gLj;JtJ ,e;j mj;jpahaj;jpd; Nehf;fkhf cs;sJ.
m. epjp jpl;lkply; kw;Wk; jdpg;gl;l tho;f;if Row;rp
M. epjp jpl;lkplypd; gq;F
,. epjp jpl;lkply; - tiffs;
RUf;fk;
epjp jpl;lkply; vd;fpw nray;Kiw vd;gJ

 xUtuJ tho;f;if ,yf;Ffis milahsk; fhz;gJ
 ,e;j milahsq;fhzg;gl;l ,yf;Ffis epjp ,yf;Ffshf
khw;WtJ
 ,yf;Ffis mila cjTk; topfspy; xUtuJ epjpfis
Nkyhz;ik nra;tJ
jdpegupd; tho;f;if Row;rpapd; mbg;gilapy; %d;W tifahd epjp

nghUl;fs; Njitg;gLfpd;wd. ,it ,t;thW cjTfpd;wd.
 vjph;fhy epjp gupth;j;jidfis nrayhf;FtJ
 vjph;ghuhj Njitfis re;jpg;gJ
 nry;t Ftpg;G
rpije;j $l;L FLk;gq;fs;> jw;NghJ fpilf;fpd;w gy KjyPlL

; Njh;Tfs;>
khWfpd;w tho;fi ; f ghpz Nghd;w r%f ,af;ftpay; khw;wq;fs;
Kjypad epjp jpl;lkplYf;fhd Njitia NkYk; mjpfupj;Js;sd.
cq;fs; Kjy; rk;gsj;ij ngWfpd;w fzNk epjp jpl;lkpliy
njhlq;Ftjw;fhd kpf rpwe;j Neuk;
epjp jpl;lkply; MNyhrid Nritfspy; cs;sit:
 gz jpl;lkply;
 KjyPl;bw;F jpl;lkply;
 fhg;gPbw;F jpl;lkply;
 Xa;tPw;F jpl;lkply;
 v];Nll;bw;F jpl;lkply;
 tup jpl;lkply;
Madurai-625001-Mob:9842317355,9629190291,9655564322
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1. epjp jpl;lkply;
2. tho;f;ifapd; fl;lq;fs;
3. mgha tUzid
4. gz jpl;lkply;
5. KjyPl;bw;F jpl;lkply;
6. fhg;gPbw;F jpl;lkply;
7. Xa;tPw;F jpl;lkply;
8. v];Nll;bw;F jpl;lkply;
9. tup jpl;lkply;
Nfs;tp 1
Kd;Dzu Kbahj epfo;TfSf;F vjpuhf ghJfhg;ig ehl gpd;tUtjpy; vij
ePq;fs; gupe;Jiug;gPu;fs;?
1. fhg;gPL
2. tq;fp v/;g;b Nghd;w gupth;jjid nghUl;fs;
3. gq;Ffs;
4. fld; gj;jpuq;fs;
Nfs;tp 2
epjp jpl;lkpliy njhlq;Ftjw;fhd rupahd Neuk; vJ?
1. Xa;tpw;F gpd;dh;
2. Kjy; rk;gsj;ij ngw;wTlNd
3. jpUkzj;jpw;F gpwF
4. xUth; gzf;fhudhjw;F gpd;G
Nfs;tp 3
gpd;tUtjpy; vJ tup jpl;lkplypd; Nehf;fk; ,y;iy?
1. mjpfgl;r tup ed;ik
2. tpNtfKs;s KjyPLfspd; tpisthf Fiwf;fg;gl;l tup Rikia
3. tup Va;g;G
4. tupr;rYiffspd; KO ed;ikfs;
Nfs;tp 4
xu jPtpukhd mgha tUiziaia nfhz;Ls;s xU jdpegh; nry;t _____
KjyPlL
; ghzpia gpd;gw;Wk; tha;g;G cs;sJ.
1. xUq;fpizg;G
2. guprspg;gJ
3. Ftpg;G
4. nrytopg;gJ
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Nfs;tp 5
gpd;tUtjpy; vJ nry;t Ftpg;G jahupg;ghf ,y;iy?
1. tq;fp fld;fs;
2. gq;Ffs;
3. fhyf;fhg;gL
P ghyprp
4. tq;fp Nrkpg;G fzf;F
Nfs;tp 6
Nrkpg;ig ,uz;L KbTfspd; xU fyg;ghf fUjyhk;. fPNo cs;s gl;oaypy;
,Ue;J mij Njh;T nra;aTk;.
1. mgha jf;fitg;G kw;Wk; Fiwe;j Efh;T
2. guprspg;gJ kw;Wk; Ftpg;G
3. nrytopg;gJ kw;Wk; Ftpg;G
4. Efh;tpd; xj;jpitg;G kw;Wk; gzg;Gof;fj;ij gpuptJ
Nfs;tp 7
tho;f;ifapd; ve;j fl;lj;jpy; xU jdpegh; fle;j Nrkpg;ig kpfTk; ghuhl;l
Ntz;Lk;?
1. Xa;tpw;F gpd;dh;
2. rk;ghjpf;Fk; NghJ
3. gbf;Fk; NghJ
4. jpUkzkhd Gjpjpy;
Nfs;tp 8
KjyPlL
; tuk;G kw;Wk; tUkhdj;jpw;F ,ilNa cs;s cwT vd;d?
1. ,uz;bw;Fk; ,ilNa njhlh;gpy;iy
2. KjyPl;L tuk;G ve;j msT mjpfNkh> tUkhdKk; me;j msT
mjpfkhFk;.
3. KjyPlL; tuk;G ve;j msT mjpfNkh> tUkhdKk; me;j msT FiwAk;.
4. KjyPlL; tuk;G ve;j msT mjpfNkh> tUkhdj;jpy; tupAk; me;j msT
mjpfupf;Fk;.
Nfs;tp 9
gpd;tUtjpy; vL eltbf;if gupth;j;jid nghUl;fspd; fPo; tifg;gLj;jg;
gLfpwJ?
1. tq;fp itg;Gfs;
2. MAs; fhg;gPL
3. gq;Ffs;
4. gj;jpuq;fs;
Nfs;tp 10
gpd;tUtjpy; vJ jw;nray; epfo;Tfis re;jpg;gjw;fhd nghUl;fspd; fPo;
tifg;gLj;jg;gLfpwJ?
1. tq;fp itg;Gfs;
2. MAs; fhg;gPL
3. nghJ fhg;gPL 4. gj;jpuq;fs;
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Nfs;tp 11
gpd;tUtjpy; vJ nryT Ftpg;G nghUl;fspd; fPo; tifg;gLj;jg;gLfpwJ?
1. tq;fp itg;Gfs;
2. MAs; fhg;gPL
3. nghJ fhg;gPL
4. gq;Ffs;
Nfs;tp 12
_______ fhyg;Nghf;fpy; nghUshjhuj;jpy; nghUl;fs; kw;Wk; Nritfspd;
tpiyfspd; nghJthd kl;lk; mjpfupg;gij Fwpf;fpwJ.
1. gzthl;lk;
2. gztPf;fk;
3. Njf;fepiy
4. kpf mjpf gztPf;fk;
Nfs;tp 13
vJ tpUg;gg;gb tUkhdj;ij mjpfupf;Fk; cj;jp fpilahJ?
1. fld; kW rPuikg;G
2. fld; ,lkhw;wk;
3. KjyPlL ; kWrPuikg;G
4. fhg;gPL thq;FtJ
mj;jpahak; 5
MAs; fhg;gPl;L jahupg;Gfs; - 1
mj;jpaha mwpKfk;
,e;j mj;jpahak; cq;fSf;F MAs; fhg;gL P ghyprpfspd; cyfj;ij
mwpKfg;gLj;JfpwJ. ,J nghJthf jahupg;Gfis gw;wp tptup;f njhlq;FfpwJ.
gpd;dh; MAs; fhg;gLP jahupg;Gfspd; Njit kw;Wk; gy;NtW tho;f;if
,yf;Ffis miltjpy; mtw;wpd; gq;F gw;wpAk; Muha;fpwJ. ,Wjpahf ehk;
rpy kuGtop MAs; fhg;gL
P jpl;lq;fs; ghh;g;Nghk;.
1. MAs; fhg;gPlL
; jahupg;Gfis gw;wpa fz;Nzhl;lk;
2. kuGtop MAs; fhg;gPL jahupg;Gfs;
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RUf;fk;
xU jdpkdpjupd; cw;gj;jpj; jpwFf;fhd epjp kjpg;G ,og;gpw;F vjpuhf

ghJfhg;gpid mtiur; rhh;e;jpUg;gth;fSf;Nfh my;yJ mtUf;NfNah
MAs; fhg;gPL jahupg;Gfs; toq;Ffpd;wd.
mbg;gilahf> xU jdpegUf;F VjhtJ tpUk;gj;jfhj epfo;T ele;jhy;
mtUila neUq;fpa egh;fSf;F kd epk;kjpiaAk; ghJfhg;igAk;
MAs; fhg;gPL toq;FfpwJ.
xg;ge;jj;jpy; Fwpg;gplg;gl;Ls;s rpy Fwpg;gpl;l fhyj;jpw;F kl;LNk fhyf;
fhg;gPLfs; nry;YgbahFk; fhg;gspg;ig toq;Ffpd;wd.
kpff; Fiwthd njhifiaf; nfhz;L xg;gPll ; stpy; ngupa MAs;
fhg;gPl;Lj; njhifia thq;Ftjw;F cjTk; fhy tuk;Gf; fhg;gPl;bd;
rpwg;G tpw;gid Kd;nkhopT (USP) vd;gJ mjd; Fiwe;j tpiyahFk;.
ghJfhg;G xU jw;fhypfkhd fhyf; fl;lj;jpw;F kl;LNk fpilg;gjhy;>
fhyf;fhg;gl P ;Lj; jpl;lq;fs; jw;fhypf fhg;gLP fSf;F cjhuzq;fshFk;>
kWGwk; KO MAs; fhg;gPlL ; j; jpl;lq;fs; epue;juf; fhg;gl
P ;Lj;
jpl;lj;jpw;fhd cjhuzk;.
xU vz;Nlhnkdl; fhg;gPlL ; xg;ge;jk; vd;gJ cz;ikapy; ,U
jpl;lq;fspd; ,izg;ghFk; - ghyprp fhyj;jpy; fhg;gL
P ngw;wth; ,we;jhy;
KO fhg;gL P j; njhifiaAk; toq;Fk; xU fhyf; fhg;gPl;Lj; jpl;lk;
kw;Wk; fhg;glP ;Lf; fhyk; epiwtile;j gpd;dUk; fhg;gL
P ngw;wth; caph;
tho;e;jhy; ,e;jj; njhifia toq;Fk; xU cz;ikahd vz;Nlhnkd;l;
jpl;lk;.
Kf;fpdakhd nrhw;fs;
1. fhyf; fhg;gL P
2. KO MAs; fhg;gL P
3. vd;Nlhnkd;l; fhg;gL P
4. gz-kPlr; p ghyprp
5. ruprkkhd kw;Wk; ruprkkhf - ,y;yhj jpl;lq;fs;
6. khw;wpaikg;G Nghd];
Nfs;tp 1
fPo;f;fhz;gtw;Ws; njhl;Lzu Kbahj jahupg;G vJ?
1. fhh;
2. tPL
3. MAs; fhg;gPL
4. Nrhg;G
Ra-ghPl;ir 8
Nfs;tp 2
KO MAs; fhg;gPl;bw;fhd g;hPkpak; fhy fhg;gPbw;F nrYj;jg;gLk; g;hPkpaj;ij
tpl __________ MfpwJ.
1. mjpfkhf
2. Fiwthf
3. rkkhf
Madurai-625001-Mob:9842317355,9629190291,9655564322
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4. fzprkhf mjpfkhf
Nfs;tp 3
xU egupd; kuzk; Vw;gl;lhy; xU ghyprpjhuupd; mlkhdj; njhifia ________
MAs; fhg;gPL nrYj;JfpwJ.
1. fhy
2. mlkhd
3. KO
4. vd;Nlhnkd;l;
Nfs;tp 4
cq;fs; MAs; fhg;gPbw;fhf ePq;fs; nrYj;jpa g;hPkpak; _____ ,Ue;jhy;> cq;fs;
kuzk; Vw;gl;lhy; gadhspf;F fpilf;Fk; ,og;gPLk; _____ ,Uf;Fk;.
1. mjpfkhf> mjpfkhf
2. Fiwthf> mjpfkhf
3. mjpfkhf> Fiwthf
4. Ntfkhf> nkJthf
Nfs;tp 5
fPNo cs;s tpUg;gj;jpy; xU fhy fhg;gl
P ;L jpl;lk; Fwpj;J rupahdJ vJ?
1. fhyf; fhg;gl
P ;L jpl;lq;fs; tho;f;if KOtJk; GJg;gpf;Fk; tpUg;gj;Jld;
tUfpd;wd.
2. midj;J fhyf; fhg;gPl;L jpl;;lq;fSk; xU cs;sikf;fg;gl;l
Cdj;jpw;fhd iulUld; tUfpd;wd.
3. fhyf; fhg;gPil jdpj;j ghyprpahf my;yJ kw;nwhU ghyprpAld; xU
iuluhfTk; thq;f KbAk;.
4. xU KO MAs; fhg;gl P ;L jpl;lkh khw;w xU fhy fhg;gl
P ;L jpl;lq;fspy;
ve;j Vw;ghLk; ,y;iy.
Nfs;tp 6
Fiwthd fhyf; fhg;gb
P y;> fhyg;Nghf;fpy; fl;lg;gLk; g;hPkpak; ________
1. mjpfupf;fpwJ
2. FiwfpwJ
3. epiyahdjhf ,Uf;fpwJ
4. jpUk;gp fpilf;fpwJ
Nfs;tp 7
xU fhy ghyprpapy; cs;s khw;Wk; tpUg;gj;ij gad;gLj;jp ePq;fs; mij
khw;w KbAk;.
1. KO MAs; ghyprpahf
2. mlkhd ghyprpahf
3. tq;fp v/bahf
Madurai-625001-Mob:9842317355,9629190291,9655564322
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4. Fiwfpd;w fhy ghyprpahf
Nfs;tp 8
xU MAs; fhg;gl
P ;L jahupg;gpd; Kjd;ik Nehf;fk; vd;d?
1. tup js;Sgbfs;
2. ghJfhg;ghd KjyPlL; top
3. xU jdpegupd; cw;gj;jp jpwd;fspd; nghUshjhu kjpg;G ,og;gpw;F vjpuhf
ghJfhg;G
4. nry;tf;Ftpg;G
Nfs;tp 9
gpd;tUtjpy; ahUf;F xU fhy jpl;lj;ij thq;FkhW MNyhrid $WtJ
rpwe;jJ.
1. fhg;gPL fhy ,Wjpapy; gzk; Njitg;gLk; xU jdpegUf;F
2. fhg;gPL Njitg;gl;l kw;Wk; cah; gl;n[l; cs;s xU jdpegUf;F
3. fhg;gPL Njitg;gl;l Mdhy; xU Fiwe;j gl;n[l;by; cs;s xU
jdpegUf;F
4. mjpf tUkhdj;ij nfhLf;fpw fhg;gPL jp;l;lk; Njitg;gl;l xU
jdpegUf;F.
Nfs;tp 10
fPNo cs;s $Wfspy; Fiwfpd;w fhy fhg;gL
P Fwpj;j vJ jtwhdJ?
1. kuz ed;ikapd; msT fhg;gspg;gpd; fhyj;Jld; FiwfpwJ
2. g;hPkpak; njhif fhg;gspg;gpd; fhyj;Jld; FiwfpwJ
3. g;hPkpak; fhyk; KOtJk; epiyahdjhf ,Uf;fpwJ
4. mlkhd kPl;G jpl;lq;fs; Fiwfp;d;w fhyf; fhg;gPL jpl;lq;fSf;fhd xU
cjhuzk;
Nfs;tp 11
fPNo cs;s $Wfspy; vd;Nlhnkd;l; fhg;gL
P jp;l;lk; Fwpj;J vJ rupahdJ?
1. ,jpy; kuz ed;ik $W kl;LNk cs;sJ
2. ,jpy; ca;T ed;ik $W kl;LNk cs;sJ
3. ,jpy; kuz ed;ik $W kw;Wk; ca;T ed;ik $W> ,e;j ,uz;LNk
cs;sJ.
4. ,J xU fhy jpl;lj;jpw;F xj;jJ.
Nfs;tp 12
fPOs;sjpy; xU vd;Nlhnkd;l; fhg;gPbw;F jpl;lj;jpw;F cjhuzk; vJ?
1. mlkhd kPl;G jpl;lk;
2. fld; MAs; fhg;gPL jpl;lk;
3. gz - kPlr
; p jpl;lk;
4. KO MAs; jpl;lk;
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mj;jpahak; 6
MAs; fhg;gPl;L jahupg;Gfs; - 2
mj;jpaha mwpKfk;
,e;j mj;jpahak; cq;fSf;F kuGrhuhj MAs; fhg;gL P ghyprpfspd; cyfj;ij
mwpKfg;gLj;JfpwJ. Kjypy; kuGtop MAs; fhg;gL P jahupg;Gfis gw;wp
tptupf;f njhlq;fp> gpd;dh; MAs; kuGrhuhj fhg;gL P jahupg;Gfspd; <h;g;G
rf;jpia ghh;g;Nghk;. ,Wjpahf ehk; re;ijapy; fpilf;Fk; rpy kuGrhuhj MAs;
fhg;gPL jpl;lq;fis ghh;gN
; ghk;.
1. kuGrhuhj fhg;gPL jahupg;Gfs; gw;wpa fz;Nzhl;lk;
2. kuGrhuhj MAs; fhg;gLP jahup;g;Gfs;
RUf;fk;
epjpr; re;ijapy; gpw nrhj;jf;fSf;F fpilf;Fk; Nghl;bkpFe;j gydpd;

tpfpjj;ijf; nfhLg;gNj MAs; fhg;gPl;Lj; jpl;lq;fisg; nghUj;jtiu
fUj;jpy; nfhs;s Ntz;ba xU Kf;fpakhd fUj;jhFk;.
gpupj;jy;> KjyPl;L ,izg;G kw;Wk; ntspg;gilj;jd;ik KjyhditfNs
kuGrhuh MAs; fhg;gl P ;Lj; jpl;lq;fs; ngUkstpy; tsh;tjw;F cjtpa
fhuzpfshFk;.
cyfshtpa MAs; fhg;gPL vd;gJ xU epue;ju MAs; fhg;gPlL ;
tbtkhFk;. ,jw;F nefpo;Tj;jd;ij nfhz;l g;hPkpaq;fs;>
nefpo;Tj;jd;ijAs;s Kjd;ikj; njhif kw;Wk; ,wg;Gf; fhy gyd;
njhiffs;> kw;Wk; gpupf;fg;gl;l mjd; tpiyf; fhuzpfs; Mfpait
cz;L.
khwf;$ba MAs; fhg;gPL v;dgJ KO MAs; fhg;gPl;L tifahFk;.
g;hPkpaq;fs; nrYj;jg;gl;l xU rpwg;G KjyPl;L fzf;fpy; cs;s KjyPl;L
nray;jpwDf;F Vw;g ,e;j ghyprpapd; ,wg;Gf; fhy gyd;fSk; gz
kjpg;Gk; ,Uf;Fk;.
a+ypg;Gfs; vdTk; miof;fg;gLk; a+dpl; ypq;fL ; jpl;lq;fs; kpfTk;
gpugykhd> Fwpg;gplj;jf;f jpl;lkhf cUthdjhy;> gy re;ijfspy;
kuGtop jpl;lq;fspy; ,lj;ijg; gpbj;jd.
xU MAs; fhg;gPl;lhsupd; KjyPl;L nray;jpwdpd; gyd;fis
NeubahfTk; cldbahfTk; ngWk; topahf a+dpl; ypq;fL ; ghyprpfs;
cs;sd.
Key Terms
1. cyfshtpa MAs; fhg;gPL
2. khwf;$ba MAs; fhg;gL P
3. a+dpl; ypq;f;L fhg;gL
P
4. nkhj;j nrhj;jpd; kjpg;G (NAV).
Madurai-625001-Mob:9842317355,9629190291,9655564322
20
Nfs;tp 1
Which among the following is a non-traditional life insurance product?

fPo;f;fhz;gtw;Ws; kuG rhuhj MAs; fhg;gPl;Lj; jpl;lk; vJ?
1. fhyf; fhg;G
3. vz;Nlhnkd;l; fhg;gPL
4. KO MAs; fhg;gL P
Nfs;tp 2
fPo;f;fhz;gtw;Ws; ve;j $W jtwhdJ?
1. khwf;$ba MAs; fhg;gPl xU jw;fhypf MAs; fhg;gPl;Lj; jpl;lk;
2. khwf;$ba MAs; fhg;gL P xU epue;jukhd MAs; fhg;gPlL
; j; jpl;lk;
3. ghyprpf;F gz kjpg;G fzf;F cs;sJ
4. xU Fiwe;jgl;r ,wg;Gf;fhy ed;ikf;fhd cj;juthjj;ij ghyprp
mspf;fpwJ.
Nfs;tp 3
tsq;fspd; ,ilf;fhy xJf;fL
P vij Fwpf;fpwJ?
1. rupahd Neuk; tUk; tiu tsq;fis xJf;fL P nra;tij xj;jpg;NghLtJ
2. fhyg;Nghf;fpy; tsq;fis xJf;fPL nra;tJ
3. tsq;fspd; jw;fhypf xJf;fPL
4. ts xJf;fPil gytifg;gLj;Jjy;
Nfs;tp 4
kuGtop MAs; fhg;gPL jahupg;Gfspy; gpd;tUtjpy; vJ Fiwghlhf cs;sJ?
1. ,e;j ghyprpfspy; fpilf;Fk; gyd; mjpfkhf cs;sJ
2. xg;gilT kjpg;ig fzf;fpl njspthd kw;Wk; Gyg;gLk; Kiw
3. ed;F tiuaWf;fg;gl;l gzk; kw;Wk; Nrkpg;G kjpg;G $W
4. tUkhd tpfpjk; mwpe;J nfhs;s vspjhdjhf my;y
Nfs;tp 5
cyfshtpa MAs; fhg;gPl Kjypy; vq;Nf mwpKfg;gLj;jg;gl;lJ?
1. mnkupf;fh
2. fpNul; gpupl;ld;
3. n[h;kdp
4. gpuhd;];
Nfs;tp 6
gpd;tUgtu;fspy; ahh; khwf;$ba MAf; fhg;gPil thq;f mjpfkhd tha;g;G
cs;sJ?
1. epiyahd tUthia ngw tpUk;Gk; kf;fs;
2. mghaj;ij vLf;f jahuhf ,y;yhj kw;Wk; gq;F re;ijapy; Fjpf;f
jahuhf ,y;yhj kf;fs;
3. gq;if gw;wpa rpwe;j mwpitnfhz;Ls;s kf;fs;
4. nghJthf ,isQu;fs;
Nfs;tp 7
Madurai-625001-Mob:9842317355,9629190291,9655564322
21
fPNo cs;s $Wfspy; vJ a+ypg;fs; Fjpj;J cz;ikahdJ?

1. a+dpl;fspd; kjpg;G Kd;$l;bNa epiyahd xU R+j;jpuk; %yk;
jPh;khdpf;fg;gLfpwJ
2. KjyPlL ; mghaj;ij fhg;gPl;L epWtdk; jhq;Ffpwhh;
3. a+ypg;fspd; fhyk;> nryTfs; kw;Wk; Nrkpg;Gfs; Nghd;W $Wfs; Fwpj;J
ntspg;gilahf cs;sJ
4. a+ypg; jahupg;Gfs; nghjpaplg;gl;lit
Nfs;tp 8
gpd;tUtjpy; vij jtpu kw;w midj;JNk khwf;$ba MAs; fhg;gPlb
; d;
gz;Gfshf cs;sd.
1. nefpo;thd g;hPkpak; fl;lzq;fs;
2. gz kjpg;gpw;F cj;juthjk; ,y;iy
3. ghyprp cupikahsh; vq;Nf Nrkpg;G KjyPL nra;ag;gLk; vd;gij
Njh;e;njLf;fpwhh;
4. Fiwe;jgl;r ,wg;G ed;ikf;fhd cj;juthjk;
Nfs;tp 9
fPNo cs;sjpy; ve;j $W cyfshtpa MAs; fhg;gL
P Fwpj;J rupahdjhf
cs;sJ?
$W 1 : ghyprp cupikahsh; gz nrYj;jiy khw;w mDkjpf;fpwJ
$W 2 : ghyprp cupikahsh; gz kjpg;gpw;F re;ij rhh;e;j tpfpjj;jpy;
tUthia rk;ghjpf;f KbAk;
1. 1 cz;ikahdJ
2. 2 cz;ikahdJ
3. 1 kw;Wk; 2 cz;ikahdJ
4. 1 kw;Wk; 2 jtwhdJ
Nfs;tp 10
gpd;tUtjpy; vij jtpu kw;w midj;JNk a+ypg;fis Fwpj;J cz;ikahf
cs;sJ.
1. a+dpl; itj;jpUg;gth; epjp gy;NtW tifSf;F ,ilNa Njh;T
nra;;ayhk;
2. MAs; fhg;gPl;lhsh; a+dpl;bd; kjpg;GfSf;F cj;juthjk; mspf;fpwhh;
3. a+dpl;fis xU xw;iw gphPkpak; nrYj;jp my;yJ tof;fkhd
jtizfspy; g;hPkpak; nrYj;jpAk; thq;fyhk;
4. a+ypg; ghyprp mikg;G fhg;gPlL
; nryTfs; $W Fwpj;J
ntspg;gilahdjhf cs;sJ
Madurai-625001-Mob:9842317355,9629190291,9655564322
22
Nfs;tp 11
IMh;bV newpfs; gb> xU fhg;gPlL ; epWtdj;jpw;F fPNoAs;s ve;j kuGrhuhj
Nrkpg;G MAs; fhg;gL
P jahupg;Gfis ,e;jpahtpy; toq;f mDkjpAs;sJ?
Njh;T 1 : a+dpl; ypq;f;l; fhg;gPlL
; jpl;lq;fs;
Njh;T 2 : khwf;$ba fhg;gPlL ; jpl;lq;fs;
1. 1 kl;LNk
2. 2 kl;LNk
3. 1 kw;Wk; 2 ,uz;LNk
4. 1 kw;Wk; 2> ,e;j ,uz;LNk ,y;iy
Nfs;tp 12
MAs; fhg;gPL jahupg;Gfs; tus toptFj;Js;sjhf vJ $wg;gLfpwJ?
1. gj;jpuq;fSld; MAs; fhg;gPlL ; jahupg;Gfis njhlh;GgLj;jy;
2. gq;FfSld; MAs; fhg;gl P ;L jahupg;Gfis njhlh;GgLj;jy;
3. ghJfhg;G kw;Wk; Nrkpg;G cWg;ig xd;wpizg;gJ
4. ghJfhg;G kw;Wk; Nrkpg;G cWg;ig gpupg;gJ
Madurai-625001-Mob:9842317355,9629190291,9655564322
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mj;jpahak; 7
Xa;T+jpak; kw;Wk; Mz;Lj;njhiffs;
mj;jpaha mwpKfk;
,e;j mj;jpahak; mbg;gil tho;fi ; fapy; Vw;gLk; vjph;ghuhj epfo;TfSf;F
fhg;gspf;fpd;w Mdhy; ,wg;G mghak; kw;Wk; gpw MAs; fhg;gL
P
ghyprpfsplkpUe;J NtWgl;l xU jahupg;ig gw;wp tpthjpf;fpwJ. ,J jdpegh;
fhg;gPil tpl;L tpyfp> fhg;gb
P d; kw;nwhU tiff;F> mjhtJ FO fhg;gl P ;il
gw;wpAk; cq;fSf;F RUf;fkhd tpsf;FfpwJ.
1. Xa;t+jpa tiffs;
2. Mz;Lj;njhiffis tifg;gLj;Jjy;
3. Xa;t+jpaq;fs; - xU kjpg;G Muha;T
RUf;fk;
Xa;t+jpaq;fs; MAs; fhg;gPl;bd; kWgf;fj;ij gpujpgypg;gjhf $wyhk;.

xU jdpegh; mtuJ epjp Mjhuq;fs; jPh;e;J Nghfpa msTf;F ePz;l
fhyk; thOk; NghJ Vw;glf;$ba epjp tpisTfSf;F vjpuhf Xa;t+jpa
jahupg;Gfs; ghJfhg;ig toq;Ffpd;wd.
Xa;t+jpa jpl;lq;fspd; %d;W tiffs; ,d;W cs;sJ. mjhtJ nghJ
Xa;t+jpaq;fs;> njhopy; Xa;t+jpaq;;fs; kw;Wk; jdpg;gl;l Xa;t+jpaq;fs;.
nghJ Xa;t+jpa jpl;lq;fs; gfpuq;fkhf fl;lha cWg;gpdh;epiy %yk;
epu;tfpf;fg;gLfpwJ kw;Wk; nghJthf xU ‘Ng M]; a+ Nfh’ (PAYG)
mjhtJ nry;Yk; NghNj gzk; nrYj;jTk; mbg;gilapy; epjpAjtp
toq;fg;gLfpwJ.
njhopy; Xa;t+jpaq;fs;> Kjyhspfs; kw;Wk; gzpahsh;fs; ,Utupd;
gq;fspg;Gld;> jq;fsJ Copah;fSf;fhf Kjyhspfs; %yk;
mikf;fg;gl;Ls;sd.
xU jdpg;gl;l Xa;t+jpak; nghJthf fhg;gPL epWtdk; my;yJ gpw
Xa;t+jpa toq;Feh; kw;Wk; xU Mz;Lj; njhif ngWgtu; ,ilNa
xg;ge;jj;jpd; tbtj;jpy; toq;fg;gLfpwJ kw;Wk; thq;fg;gLfpwJ.
Mz;Lj;njhif thq;fg;gLk; tpjk;> vt;tsT mbf;fb Mz;Lj;njhif
toq;fg;gLk;> Mz;Lj;njhif vg;NghJ njhlq;FfpwJ my;yJ gzk;
nrYj;j Ntz;ba fhyj;jpd; ePsk; kw;Wk; Mz;Lj;njhif epiyahdjh
my;yJ khWkh vd;gjd; mbg;gilapy; tifg;gLj;jg;gLfpd;wd.
Xa;t+jpaj;ij gad;gLj;jp re;jpf;f Kbfpd;w vjph;ghuhj epfo;tpy; ePz;l
MAs; mghak;> gztPf;fk;> KjyPl;L mghak; kw;Wk; khw;W tUkhd
mghak; mlq;Fk;.
Madurai-625001-Mob:9842317355,9629190291,9655564322
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1. fhh;g];
2. nghJ Xa;t+jpaq;fs;
3. njhopy; Xa;t+jpaq;fs;
4. jdpg;gl;l Xa;t+jpaq;fs;
5. Mz;Lj;njhiffs;
6. MAs; Mz;Lj;njhif
7. epiyahd ed;ik Mz;Lj;njhif
8. khWgLk; Mz;Lj;njhif
Nfs;tp 1
fPNo cs;s mghaq;fspy; vij Xa;t+jpa %yk; vjph;nfhs;s KbAk;?
1. ePz;l MAs;
2. gztPf;fk;
3. KjyPlL ; mghak;
4. rPf;fpuk; ,wg;gJ
Nfs;tp 2
Mz;Lj;njhiffs; njhlh;ghf> “nuhf;fkhf;fy; fhyk;” vij Fwpf;fpwJ vd;W
tpsf;fTk;?
1. Mz;Lj;njhif thq;fpa kw;Wk; gzk; toq;fg;gl;l njhlq;Fk;
Neuj;jpw;Fk; ,ilNa cs;s fhyk;
2. fhg;gPlL
; epWtdk; Mz;Lj;njhiffis toq;Ffpd;w fhyk;
3. fhh;gi] fl;likf;f vLf;fg;gl;l fhyk;
4. nehbg;G fhyk;
Nfs;tp 3
nrYj;jj;jf;f Mz;Lj; njhif gpd;tUtjpy; vij nghWj;j cs;sJ:
1. %yjd njhif
2. KjyPlL; fhyk;
3. jpUk;g tUk; tUthapd; tPjk;
4. Mz;Lj;njhif nrYj;Jk; fhyk;
1. 1 kw;Wk; 2
2. 1> 2 kw;Wk; 3
3. 1> 3 kw;Wk; 4
4. 1>2>3 kw;Wk; 4
Nfs;tp 5
Xa;t+jpaq;fSld; njhlh;Gila mbg;gil jw;nray; epfo;T vd;d?
1. ,wg;G
2. NehAw;wy;
3. Xa;Tf;F – gpd;Ds;s tUkhdj;jpw;fhd ghJfhg;G
4. Cdk;
Madurai-625001-Mob:9842317355,9629190291,9655564322
25
Nfs;tp 6
fPNo cs;sjpy; rhjhuz Mz;Lj;njhifia vJ rpwe;j Kiwapy; tptupf;fpwJ?
1. vg;NghJk; rk fhy ,ilntspapy; rkkhd gzk; fpilf;fpwJ
2. Fwpg;gpl;l fhyj;jpw;F rk fhy ,ilntspapy; rkkhd gzk; fpilf;fpwJ
3. vg;NghJk; rkkhd fhy ,ilntspapy; nkhj;jkhf gzk; fpilf;fpwJ
4. Fwpg;gpl;l fhyj;jpw;F rkkhd fhy ,ilntspfspy; nkhj;jkhf gzk;
fpilf;fpwJ
Nfs;tp 7
fPNo Fwpg;gpl;Ls;s Njh;Tfspy; ,Ue;J xU Mz;Lj;njhifia tifg;gLj;j
Kbahj xd;iw Njh;T nra;aTk;
1. ,d;W &.2000 ngwg;gl;lJ> &.2000 mLj;j tUlk; fpilf;Fk; kw;Wk; 2
tUlq;fSf;F gpwF &.2000 fpilf;Fk;.
2. kpd;rhu gpy;
3. fhUf;fhd fl;lzq;fs;
4. mlkhd gzk;
Nfs;tp 8
xU rhjhuz Mz;Lj;njhifapy;> fhyfl;lj;jpd; _______ gzk; fl;lg;gLfpd;wd
my;yJ ngwg;gLfpd;wd.
1. njhlf;fj;jpy;
2. ,Wjpapy;
3. Kjpy;T rkaj;jpy;
4. fhyhtjpahtjw;F 6 khjq;fSf;F Kd;dh;
Nfs;tp 9
___________ xU Kbtpyh MASf;fhd kw;Wk; njhlh;r;rpahf Mz;bw;F xUKiw
gzk; toq;Ffpd;w Mz;Lj;njhif
1. APR
2. Nrh;j;j epjp%yk; fld; jPh;j;jy;
3. mopahj;jd;ik
4. %yjdk;
Nfs;tp 10
rpy msTf;F muR epu;thfj;jpd; fPOs;s Xa;t+jpaq;fis Fwpg;gpl ________
nrhy; gad;gLj;jg;gLfpwJ
1. fhg;gPL Xa;t+jpa epjp
2. nghJ Xa;t+jpa epjp
3. jdpahh; Xa;t+jpa epjp
4. re;ij jdpahh; Xa;t+jpa epjp
Nfs;tp 11
ahh; nghJ Xa;t+jpaq;fsi toq;Ffpd;wdh;?
1. khepyk;
2. Kjyhspfs;
3. fhg;gPL epWtdq;fs;
4. muR rhh;gw;w mikg;Gfs; (NGO’s)
Madurai-625001-Mob:9842317355,9629190291,9655564322
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Nfs;tp 12
epiyahd ed;ik Mz;Lj;njhifapy; ahh; KjyPl;L mghaj;ij jhq;Ffpwhh;?
1. fhg;gPlL; epWtdk;
2. fhg;gPl;L epWtdk;
3. khepyk;
4. mgha Nrh;kk;
Nfs;tp 13
fPNo cs;s $Wfsp;y; vJ cz;ik?
$W 1 : xt;nthU Xa;t+jpaKk; xU Mz;Lj;njhif MfpwJ
$W 2 : xt;nthU Mz;Lj;njhifAk; xU Xa;t+jpak; MfpwJ
1. 1 kw;Wk; 2 cz;ikahdit
2. 1 kw;Wk; 2 jtwhdit
3. 1 cz;ikahdJ kw;Wk; 2 jtwhdJ
4. 1 jtwhdJ kw;Wk; 2 cz;ikahdJ
mj;jpahak; 8
cly;eyf; fhg;gPL
mj;jpaha mwpKfk;
,e;j mj;jpahak; nghJthf cly;eyf; fhg;gL P gw;wpa fUj;Jf;fs; kw;Wk;
re;ijapy; fpilf;Fk; cly;eyf; fhg;gb P d; gy;NtW ghyprpfis gw;wp
cq;fSf;F mwpKfg;gLj;JfpwJ. ,e;j mj;jpahak; tPl;bNyna
rpfpr;irnaLj;jy;> FLk;g ngah;r;rp ghyprpfs; kw;Wk; FO cly;eyf; fhg;gPL
ghyprpfis tpsf;FfpwJ.
m. cly;eyf; fhg;gPL ghyprpfs;;
RUf;fk;
xU cly;eyf; FiwghNlh my;yJ xU fhaNkh Vw;gl;L mjd;

fhuzkhf fhg;gl P ;bid ngWgth; kUj;Jtkidapy; ngWk; kUj;Jt
rpfpr;irf;F fhg;gL
P mspg;gth; Vw;fg;gl;l xU fhg;Gj; njhif mspf;f
rk;kjpg;gjhf fhg;glP ;lhsUf;Fk; fhg;gPL ngWgtUf;Fk; ,ilNa Vw;gLk;
xg;ge;jk; vd cly;eyf; fhg;gPl;bid vspikahf tiuaWf;fyhk;.
fhg;gPl;bd; epue;ju tpyf;FfSs; ,y;yhj tpgj;Jfs; / Neha;fs; /
cly;eyf; FiwT VjhtJ Vw;gl;L kUj;Jtkidapy; mDkjpf;fg;gl;lhy;
Vw;gLk; mbg;gilr; nryTfSf;F cly;eyf; fhg;gPl;L ghyprpfs;
fhg;gspf;fpd;wd.
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27
FLk;g ngah;r;rp ghyprp vd;gJ cly;eyf; fhg;gPl;L ghyprpapd; kw;nwhU

tifahFk;. ,q;F> fhg;gWjpj; njhif FLk;g cWg;gpdh;fSf;Fs;
ngah;r;rpailfpwJ.
gzkpy;yh trjp” (“Cashless facility”) vd;gJ fhg;gL
P ngw;wth; ghyprpapd;
tpjpfs; kw;Wk; epge;jidfs;gb Vw;nfdNt Vw;fg;gl;l njhiff;F Vw;g
rpfpr;irf; nryTfis fhg;gPll ; hsh; Neubahf tiyaikg;gpy; cs;s
kUj;Jtkidf;F fl;LtJ jhd; fhg;gPL ngw;wtUf;F fhg;gl P ;lhsh;
mspf;Fk; trjpahFk;.
FO cly;eyf; fhg;gl P ;L ghyprp FOf;fs; / $l;likg;Gfs; /
epWtdq;fs; / ngWtzpf mikg;GfSf;Ff; fpilf;fpd;wd. Mdhy; >
mtw;Wf;F xU kj;jpa epu;thf mikg;Gk; fhg;Gg; ngwf;$ba Fiwe;jgl;r
egh;fspd; vz;zpf;ifAk; ,Uf;f Ntz;Lk;. mf;FO xg;Gjy;
mspf;fg;gl;l tifapy; ,Uf;f Ntz;Lk;.
1. jdpj;jpaq;Fk; cly;eyf; fhg;gL P epWtdq;fs;
2. tPlb
; NyNa jq;fp rpfpr;ir ngWtJ
3. %d;whk; jug;G epu;thfpfs; (TPA’s)
4. Kd;-$l;bNa cs;s Neha;fs; (PED’s)
5. FLk;g ngau;r;rp ghyprp
6. gzkpy;yh trjp”
;
Nfs;tp 1
IMh;bV ________ I Fwpf;fpwJ.
1. ru;tNjr xOq;F kw;Wk; Nkk;ghl;L Mizak;
2. ,e;jpa xOq;F kw;Wk; Nkk;ghl;L Mizak;
3. fhg;gPlL
; xOq;F kw;Wk; Nkk;ghl;L Mizak;
4. tUkhd xOq;F kw;Wk; Nkk;ghl;L Mizak;
Nfs;tp 2
bgpV (TPA) vd;w nrhy; ___________ I Fwpf;fpwJ.

(cly;eyf; fhg;gL
P njhlh;gpy; gjpyspf;fTk;)
1. Kjd;ik $l;lhsp
2. cjtp toq;Ftjw;fhf
3. %d;whk; jug;G epu;thfp
4. %d;whk; jug;G cjtp
Nfs;tp 3
fPNo cs;s FOf;fspy; ve;j FOtpw;F cly;eyf; fhg;gL
P ghyprpia ngWk;
jFjp ,y;iy?
1. xU epWtdj;jpd; Copah;fs;
2. xU epWtdj;jpd; fld; ml;ilia itj;jpUg;gth;fs;
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3. njhopy;Kiw rq;f cWg;gpdh;fs;

4. cly;eyf; fhg;gPil ngWk; Nehf;fj;jpw;fhf cUthf;fg;gl;l
njhlh;gpy;yhj egh;fspd; FO
Nfs;tp 4
xU FLk;g ngah;r;rp ghyprpapd; fPo; ahUf;F fhg;gspf;f KbahJ?
1. Foe;ijfs;
2. kidtp
3. khkdhh;> khkpahh;
4. khkh
Nfs;tp 5
gpg;utup 2013 - ,y; ntspaplg;gl;l IMh;bV tpjpKiwfspd;gb> ghyprp
fhyhtjpahFk; Njjpf;F gpd;dh; GJg;gpg;gjw;fhf mDkjpf;fg;gLfpd;w rYif
fhyk; vt;tsT?
1. 15 ehl;fs;
2. 30 ehl;fs;
3. 45 ehl;fs;
4. 60 ehl;fs;
Nfs;tp 6
gpd;tUk; fhl;rpapy; rpj;jpupf;fg;gl;ls;s fhg;gl
P ;L tbtj;ij milahsk;
fhzTk;.
fhl;rp : Nehahsp rpfpr;ir mspj;jtUf;F gzk; fl;Lfpwhh;. gpd;dh; cly;eyf;
fhg;gPL epWtdkplkpUe;J mij jpUk;g ngWfpwhh;.
1. Nrit gyd;
2. Neub xg;ge;jk;
3. <l;LWjp
4. jw;nray; tpgj;J
Nfs;tp 7
cly;eyf; fhg;gL P epWtdq;fs; %yk; nra;ag;gLk; newpKiw rhh;e;j ,ila+W
________ I Vw;gLj;jyhk;
1. r%f kjpg;gL
P
2. jPq;F tpistpf;Fk; Njh;T
3. cly;eyf; fhg;gPbd; J\;gpuNahfk;
4. mgha epjpNrh;kk;
Nfs;tp 8
Kjd;ik guhkupg;ig __________ vd;W tptupf;f KbAk;.
1. guhkupg;G xU fLikahd mikg;gpy; Nehahspf;F toq;fg;gLk;
2. kUj;Jtkidfspy; toq;fg;gl;l guhkupg;G
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3. cly;eyj;ij Nfhup kf;fs; njhlh;G nfhs;Sk; Kjy; Gs;sp

4. kUj;Jth;fs; %yk; toq;fg;gl;l guhkupg;G
Nfs;tp 9
_____________ vd;gth; kUj;jtkidapy; mDkjpf;fg;gl;l gpd;dh; rpfpf;ir
ngWfpd;w fhg;gL P ngw;wth;.
1. cs;Nehahsp
2. ntspNehahsp
3. gfy; Neu Nehahsp
4. tPlb
; Ys;s Nehahsp
Nfs;tp 10
_____________ gzkpy;yh trjp %yk; fhg;gL
P epWtdj;jhy; kUj;Jt Nritfis
toq;Ftjw;fhf gl;baypy; Nrh;ff ; g;gl;l kUj;Jtkid / cly;ey guhkupg;G
toq;Feiu Fwpf;fpwJ.
1. gfy; guhkupg;G ikak;
2. tiyaikg;G toq;Feh;
3. %d;whtJ jug;G epu;thfp
4. tPlb
; NyNa rpfpr;ir ngWtJ
Nfs;tp 11
cly;eyf; fhg;gPL gpd;tUtjpy; ve;j mghaq;fis ifahs
tbtikf;fg;gl;Ls;sJ?
1. ,wg;G
2. NehAw;w epiy
3. Kbtpyh epiy
4. jw;nray; fz;Lgpbg;G
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mj;jpahak; 9
MAs; fhg;gPbd; gad;ghLfs;
mj;jpaha mwpKfk;
MAs; fhg;gPbd; Nehf;fk; mfhy kuzj;jpw;F vjpuhf jdpegh;fSf;F
fhg;gspg;gJ kl;Lky;y. mjd; gyd; gpw gad;ghLfspYk; cs;sJ. ,ij
epjpaq;;fis cUthf;fp mjd; tpisthf fhg;gl P ;L eyd;fis jUtjw;fhf
gad;gLj;jg;glyhk;; : mij njhopy;fspd; gpujhd mjpfhupfSf;F fhg;gspf;Fk;
ghyprpia cUthf;f kw;Wk; mlkhdq;fspd; kPlg ; pw;Fk; ghyprpia cUthf;f
gad;gLj;j KbAk;. RUf;fkhf MAs; fhg;gPbd; ,e;j gy;NtW gad;ghLfis
ehk; tptupf;fyhk;.
m. MAs; fhg;gPbd; gad;ghLfs;
RUf;fk;
jpUkzkhd ngz;fspd; nrhj;J rl;lj;jpd; gpupT 6> 1874> kidtp kw;Wk;

Foe;ijfSf;F xU MAs; fhg;gPlb ; d; fPo; eyd;fspd; ghJfhg;ig
toq;FfpwJ.
MWP rl;lj;jpd; fPo; vLj;j ghyprp ePjpkd;w ,izg;Gfs;> fldhsh;fs;
kw;Wk; MAs; fhg;gL
P nra;jtupd; fl;Lghl;il kPwpapUf;Fk;.
gpujhd egh; (Keyman) fhg;gPl;L tzpa fhg;gPl;bd; xU Kf;fpa tbtk;
MFk;. gpujhd egh; (Keyman) fhg;gPil> tzpfj;jpd; xU Kf;fpa
cWg;gpdupd; kuzk; %yk; my;yJ ePz;l fhyj;jpw;F mty; jpwdw;W
nray;glhky; ,Uf;Fk; NghJ vOk; epjp ,og;Gfis <L nra;a tzpfk;
%yk; vLf;fg;gLk; fhg;gPl;L ghyprp vd tptupf;fyhk;.
mlkhd kPl;G fhg;gPL vd;gJ mbg;gilapy; mlkhdk; itg;gth; %yk;
vLf;fg;gLfpd;w xU Fiwfpd;w fhy MAs; fhg;glP ;L ghyprp> kw;Wk; fld;
thq;fpath; jdJ KO flid jpUg;Gk; Kd;dh; ,we;Jtpl;lhy;
kpFjpAs;s flid jpUg;gp jUtjw;fhf vLf;fg;gLfpwJ.
Kf;fpa thh;j;ijfs;
1. jpUkzkhd ngz;fspd; nrhj;J rl;lk;
2. gpujhd egh; (Keyman) fhg;gL
P
3. mlkhd kPl;G fhg;gL
P
Nfs;tp 1
gpujhd egu; (Keyman) fhg;gb

P d; fPo; fhg;gspf;fg;gl;l njhif nghJthf
gpd;tUtjpy; vj;Jld; ,izf;fg;gl;Ls;sJ?
1. gpujhd egh; (Keyman) tUkhdk;

2. tzpf ,yhgk;
3. th;j;jf tuyhW
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4. gztPf;f tPjk;
Nfs;tp 2
mlkhd kPl;G fhg;gPil (MRI) ________ - ,d; fPo; tifg;gLj;jg;gLfpwJ.

1. mjpfupf;Fk; fhy MAs; fhg;gPL
2. Fiwfpd;w fhy MAs; fhg;gPL
3. khWghLk; MAs; fhg;gL
P
Nfs;tp 3
fPOs;s ,og;Gf;fspy; gpujhd egh; (Keyman) fhg;gb

P d; fPo; fhg;gspf;fg;gLit
vit?
1. nrhj;J jpUl;L
2. xU gpujhd egh; Ntiy nra;a KbahjNghJ Vw;gLk; ePz;l fhyk;
njhlh;ghd ,og;Gfs;
3. nghJ fld;ghL
4. gpiofs; kw;Wk; jtph;gG
; fshy; Vw;gLk; ,og;Gfs;
Nfs;tp 4
xU ghyprp MWP rl;lj;jpd; fPo; vLf;fg;gl;lJ. ghyprpjhuh; ghyprpapd;fPo;
ed;ikfis epu;tfpg;gjw;F xU rpwg;G mwq;fhtyh; epakpf;ftpy;iy vd;why;>
ghyprpapd; fPo; ghJfhf;fg;gl;l njhif __________ - w;F toq;fg;gLk;.
1. mLj;j thupR
2. khepyj;jpd; mjpfhug;g+u;t mwq;fhtyh;
4. fhg;gPL ngw;wth;
Nfs;tp 5
kNf\; fld; thq;fpa %yjdk; %yk; xU tzpfj;ij elj;Jfpwhh;. mtuJ jpBh;
kiwTf;F gpd;dh;> midj;J fld; toq;Feh;fSk; kNf\pd; nrhj;Jf;fis
Kbe;jtiu vLj;Jf; nfhs;s Kaw;rp nra;fpd;wdh;. fPNo cs;s nrhj;Jf;fspy;
ve;j nrhj;Jf;fis fldhsh;fshy; njhlKbahJ.
1. kNf\; ngaupy; cs;s nrhj;J
2. kNf\pd; tq;fp fzf;Ffs;
3. MWPP rl;lj;jpd; gpupT 6 ,d; fPo; thq;fpa fhy MAs; fhg;gPl;L ghyprp
4. kNf\{f;F nrhe;jkhd gu];gu epjpfs;
Nfs;tp 6
fPNo cs;s Njh;Tfspy; MWP rl;lj;ij nghWj;jtiu vJ cz;ik?
$W 1 : Kjpu;T <Lf;Nfhuy;fSf;fhd fhNrhiyfs; ghyprpjhuh;fSf;F
nrYj;jg;gLfpwJ.
$W 2 : Kjph;T <Lf;Nfhuy;fSf;fhd fhNrhiyfs; mwq;fhtyh;fSf;F
nrYj;jg;gLfpwJ.
1. 1 cz;ikahdJ
2. 2 cz;ikahdJ
3. 1 kw;Wk; 2> ,e;j ,uz;LNk cz;ik
4. 1 kw;Wk; 2> ,e;j ,uz;LNk cz;ikapy;iy
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Nfs;tp 7
fPNo cs;s Njh;Tfspy; MWP rl;lj;ij nghWj;jtiu vJ cz;ik?
$W 1 : kuz <Lf;Nfhuy;fs; epakpj;jth;fSf;F toq;fg;gLfpwJ
$W 2 : kuz <Lf;Nfhuy;fs; mwq;fhtyu;fSf;F toq;fg;gLfpwJ
1. 1 cz;ikahdJ
2. 2 cz;ikahdJ
3. 1 kw;Wk; 2> ,e;j ,uz;LNk cz;ik
4. 1 kw;Wk; 2> ,e;j ,uz;LNk cz;ikapy;iy
Nfs;tp 8
m[a; jdJ Copah;fSf;fhf fhg;gL P g;hPkpaq;fis fl;Lfpwhh;. fPOs;s fhg;gPL
g;hPkpaj;jpy; CopaUf;F toq;fg;gLk; ,og;gPbw;F fPNo fopf;fj;jf;fjhf vJ
fUjg;gltpy;iy?
Njh;;T 1 : CopaUf;F toq;fNtz;ba ed;ikfis nfhz;Ls;s cly;eyf;
fhg;gPL
Njh;T 2 : m[a;f;F ed;ikfis toq;f Ntz;ba gpujhd egh; (Keyman)
MAs; fhg;gPL
1. 1 kl;Lk;
2. 2 kl;Lk;
3. 1 kw;Wk; 2 ,uz;LNk
4. 1 - k; ,y;iy 2 - k; ,y;iy
Nfs;tp 9
cj;juthjkhf jq;fs; nrhj;ij mlF itj;J fld; ngWgth;fSf;F tl;b
tpjpf;Fk; Mdhy; nrhj;jpd; cupikia itj;jpUf;Fk; eilKiw ____________
vd;W miof;fg;gLfpwJ.
1. ghJfhg;G
2. mlkhdk;
3. fe;Jtl;b
4. mlF itg;gJ
Nfs;tp 10
fPNo cs;s ghyprpapy; vjdhy; tPl;L fld; thq;Fgth;fSf;F ghJfhg;G toq;f
KbAk;?
1. MAs; fhg;gPL
2. ,ayhik fhg;gPL
3. mlkhd kPlG ; fhg;gPL
4. nghJ fhg;gPL
Nfs;tp 11
mlkhd kPl;G fhg;gb
P d; gpd;dhy; cs;s Nehf;fk; vd;d?
1. kypthd mlkhd tpfpjq;fis Cf;Ftpf;fpwJ?
2. tPl;L fld; ngWgth;fSf;F epjp ghJfhg;ig toq;FfpwJ
3. mlkhdk; itf;fg;gl;l nrhj;jpd; kjpg;ig ghJfhg;gJ
4. jtW NeupLk; tof;fpy; ntspNaw;wg;gLtij jtph;gg; J
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mj;jpahak; 10
MAs; fhg;gPby; tpiy kw;Wk; kjpg;gl
P ;L
mj;jpaha mwpKfk;
fw;gtUf;F MAs; tpiy kw;Wk; fhg;gPlL
; xg;ge;jq;fspd; ed;ikfspy; gad;gLk;
mbg;gilf;$Wfis mwpKfg;gLj;JtNj ,e;j mj;jpahj;jpd; Nehf;fkhf
cs;sJ. ehk; Kjypy; g;hPkpaj;ij cs;s $Wfis tpthjpj;Jtpl;L> gpd;dh;
cgup kw;Wk; Nghd]; fUj;J gw;wp tpthjpg;Nghk;.
1. fhg;gPL tpiy – mbg;gilf;$Wfs;
2. cgup kw;Wk; Nghd];
RUf;fk;
rhjhuz nkhopapy;> g;hPkpak; vd;w nrhy; xU fhg;gPlL; ghyprpia

thq;Ftjw;fhf fhg;gPL ngWgth; nrYj;Jk; tpiyia Fwpf;fpwJ.
MAs; fhg;gl P ;L ghyprpfspy; g;hPkpak; mikf;Fk; gzpapy; ,wg;G>
eyd;fs;> nryT Nkyhz;ik kw;Wk; ifapUg;Gf;fs; fUjg;gLfpd;wd.
nkhj;j g;hPkpak; epfu gpupkpaj;Jld; Vw;Wjy; vd;w xU msit $l;b
fpilf;fpwJ.
xU fhyq;fopjYf;F mh;j;jk; ghyprpjhuh; g;hPkpak; nrYj;Jtij
epWj;jptpLfpwhh;. tpyfpf;nfhs;Sk; tof;fpy;> ghyprpjhuh; ghyprpia
xg;gilj;J kw;Wk; ghyprpapy; Nrfupf;fg;gl;l gz kjpg;gpy; ,Ue;J xU
njhifia ngWfpwhh;.
MAs; fhg;gPlL
; epWtdj;jpd; cz;ikahd mDgtk; fUjg;gl;l
mDgtj;ij tpl rpwe;jjhf ,Ug;gjd; tpisthf cghp vOfpwJ.
cghp epjp xJf;fPl;il fld; jPh;f;Fk; jpwDf;fhf kw;Wk; Rje;jukhd
nrhj;Jf;fis mjpfhpg;gjw;fhf jf;fitj;J nfhs;s KbAk;.
Nghdrpd; kpf nghJthd tbtk; khw;wpaikg;G Nghd]; MFk;.
Kf;fpa thh;j;ijfs;
1. g;hPkpak;
2. js;Sgb
3. Nghd];
4. cgup
5. ifapUg;G
6. Vw;Wjy;
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Nfs;tp 1
“g;hPkpak;” vd;w nrhy; fhg;gPlL

; ghyprp njhlh;ghf vij Fwpf;fpwJ?
1. fhg;gPl;L epWtdk; rk;ghjpj;j ,yhgj;ij
2. ghyprp thq;Ftjw;fhf xU fhg;gPL ngWgth; fl;Lk; tpiyia
3. xU ghyprpapy; xU fhg;gl P ;L epWtdj;jpw;F fpilf;Fk; yhgk;
4. xU ghyprpapy; xU fhg;gl P ;L epWtdj;jpw;F Vw;gLk; nryTfs;
Nfs;tp 2
fPOs;sjpy; vJ MAs; fhg;gPl;L g;hPkpak; eph;zapf;Fk; xU fhuzp my;y?
1. ,wg;G
2. js;Sgb
3. ifapUg;G
4. Nkyhz;ik nryTfs;
Nfs;tp 3
xU ghyprpapy; ,Ue;J tpyfpf;nfhs;Sjy; vd;why; vd;d?
1. ghyprpjhuh; g;hPkpaj;ij fl;lhky; epWj;JtJ
2. Nrfupg;gl;l xg;gilT kjpg;Gf;F gjpyhf ghyprpapd; xg;gilT
3. ghyprpapd; Nkk;gLj;jy;
4. ghyprp epiyia Fiwg;gJ
Nfs;tp 4
fPOs;sjpy; vJ ve;j cgup tiuaWf;Fk; topfspy; xd;whFk;?
1. mjpf fld; nghWg;Gfs;
2. mjpf tUtha;
3. nrhj;jf;fis tpl fld; nghWg;Gfspd; kjpg;G mjpfk;
4. fld; nghWg;Gf;fis tpl nrhj;Jf;fspd; kjpg;G mjpfk;
Nfs;tp 5
fPOs;sjpy; vJ a+ypg; g;hPkpaq;fspd; xU $W ,y;iy?
1. ghyprp xJf;fPL fl;lzk;
2. KjyPlL ; mghf g;hPkpak;
3. ,wg;G fl;lzk;
4. r%f ghJfhg;G fl;lzk;
Nfs;tp 6
MAs; fhg;gPlL
; epWtdq;fs;> __________ mbg;gilapy; nrYj;jg;gLk; g;hPkpaj;jpd;
kPJ thq;FgtUf;F js;Sgb toq;fyhk;.
1. thq;Fgth; Njh;T nra;Ak; fhg;gPLj; njhif
2. thq;Fgth; Njh;T nra;Ak; ghyprp njhif
3. thq;Fgth; Njh;T nra;Ak; jpl;lj;jpd; fhyk;
4. thq;Fgth; Njh;T nra;Ak; fl;lzk; nrYj;jk; Kiw (nuhf;fk;> fhNrhiy>
fld; ml;il)
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Nfs;tp 7
tl;b tpfpjq;fs; g;hPkpak; eph;zapf;Fk; NghJ gad;gLj;jg;gLk; Kf;fpa $Wfspy;
xd;whf cs;sd. fPNo cs;sjpy; ve;j $W tl;b tpfpjq;fs; Fwpj;J
rupahdjhf cs;sJ?
1. tl;b tpfpjk; Fiwthf fUjg;gl;lhy;> g;hPkpak; FiwfpwJ

2. mjpf tl;b tpfpjk; fUjg;gl;lhy;> g;hPkpak; mjpfphpf;fpwJ
3. mjpf tl;b tpfpjk; fUjg;gl;lhy;> g;hPkpak; FiwfpwJ
4. tl;b tpfpjq;fs; g;hPkpaq;fis ghjpg;gjpy;iy
Nfs;tp 8
fPNo cs;sjpy; ve;j $W rupahdjhf cs;sJ?
1. xU epfu g;hPkpaj;jpd; tof;fkhd Vw;Wjypy; 3 ghfq;fs; ,Uf;Fk;
a) g;hPkpaq;fSf;F xU epiyahd njhif b) fhg;gL P j; njhifapd;
xt;nthU 1000 w;Fk; epiyahd njhif kw;Wk; xt;nthU ghyprpf;Fk;
xU epiyahd njhif.
2. xU epfu g;hPkpaj;jpd; tof;fkhd Vw;Wjypy; 3 ghfq;fs; ,Uf;Fk; 1)
g;hPkpaq;fspd; xU rjtpfpjk; 2) fhg;gPLj; njhifapd; xt;nthU 1000-w;Fk;
epiyahd njhif kw;Wk; 3) xt;nthU ghyprpf;Fk; xU epiyahd
njhif
3. xU epfu g;hPkpaj;jpd; tof;fkhd Vw;Wjypy; 3 ghfq;fs; ,Uf;Fk; 1)
g;hPkpaq;fspd; xU rjtpfpjk; 2) fhg;gL
P j; njhifapd; xt;nthU 1000-w;Fk;
epiyahd rjtpfpjk; kw;Wk; 3) xt;nthU ghyprpf;Fk; xU epiyahd
njhif
4. xU epfu g;hPkpaj;jpd; tof;fkhd Vw;Wjypy; 3 ghfq;fs; ,Uf;Fk;.
1) g;hPkpaq;fspd; xU rjtpfpjk; 2) fhg;gL P j; njhifapd; xt;nthU
1000 - w;Fk; epiyahd njhif kw;Wk; 3) xt;nthU ghyprpf;Fk; xU
rjtpfpj njhif
Nfs;tp 9
fhg;gPl;L epWtdq;fs; %yk; nrhj;jf;fis kjpg;gL
P nra;ag;gLk; NghJ> MAs;
fhg;gPl;L epWtdk;> mjd; nrhj;jf;fis thq;fpa my;yJ ngw;w kjpg;ghf
________ cs;sJ.
1. js;Sgb nra;j vjph;fhy kjpg;ig
2. js;Sgb nra;j jw;Nghija kjpg;G
3. re;ij kjpg;G
4. Gj;jf kjpg;G
Nfs;tp 10
_____________ tof;fpy;> xU epWtdk; Nghdi] xU mbg;gil ed;ikapd;
rjtPjkhf kw;Wk; Vw;fdNt ,izf;fg;gl;l Nghd]hf fhl;LfpwJ.
2. $l;L Nghd];
3. ,Wjp Nghd];
4. ePbj;jpUf;Fk; Nghd];
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Nfs;tp 11
ghyprp fhyq;fopjYf;F vd;d mh;j;jk;?
1. ghyprpjhuh; ghyprpf;fhd g;hPkpaj;ij KOikahd nrYj;jptpl;lhh;
2. ghyprpjhuh; xU ghyprpapy; g;hPkpak; nrYj;Jtij epWj;jptpl;lhh;
3. ghyprp Kjph;tilfpwJ
4. ghyprp re;ijapy; ,Ue;J jpUk;g ngwg;gl;lJ.
Nfs;tp 12
a+ypg;fspd; tof;fpy; KjyPlL
; mghaj;ij jhq;FtJ ahh;?
2. fhg;gPL ngw;wth;
3. khepyk;
4. IMh;bV
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mj;jpahak; 11
Mtzkhf;Fjy; - Kd;nkhopT fl;lk;
mj;jpaha mwpKfk;
MAs; fhg;gPl;Lj; JiwapNy> ehk; epiwa gbtq;fs; kw;Wk; Mtzq;fs;
gad;gLj;JNthk;. ,it fhg;gL
P ngWgth; kw;Wk; fhg;gPll
; hsUf;F kj;jpapy;
cs;s cwtpy; xU njspthd Gupjiy Vw;gLj;Jtjw;fhf gy;NtW Mtzq;fs;
kw;Wk; mtw;wpd; Kf;fpaj;Jtj;ij gw;wp ehk; fw;Wf;nfhs;Nthk;. ehk;
fUjg;NghFk; Mtzq;fspy; cs;sit.
1. jfty; VL
2. Kd;nkhopT gbtk;
3. Kftupd; mwpf;if
4. kUj;Jt Ma;thshpd; mwpf;if
5. newpKiw rhh;e;j ,d;dy; mwpf;if
6. taJ rhd;W
7. cq;fs; thbf;ifahsiu njupe;J nfhs;Sq;fs; (KYC) Mtzq;fs;
1. MAs; fhg;gPL – Kd;nkhopT fl;lj;jpd; Mtzkhf;fy;
RUf;fk;
jfty; VL jahupg;G gw;wpa tptuq;fs; toq;Ftjw;fhf fhg;gPL

epWtdq;fs; gad;gLj;Jk; xU Kiwahd rl;l Mtzk; MFk;.
Kd;nkhopit jhahupf;f gad;gLfpw tpz;zg;g Mtzk; nghJthf
Kd;nkhopT gbtk; vd mwpag;gLfpwJ.
MNuhf;fpak;> czT gof;fk;> njhopy;> tUkhdk; kw;Wk; FLk;g
tptuq;fis Kfth; jd; mwpf;ifapy; Fwpg;gpl Ntz;Lk;.
cauk;> vil> uj;j mOj;jk;> ,ja epiy Nghd;w cly; mk;rq;fs;
njhlh;ghd tptuq;fis kUj;Jth; kUj;Jt Ma;thsupd; mwpf;if
vdg;gLk; jd; mwpf;ifapy; gjpT nra;J Fwpg;gpl Ntz;Lk;.
newpKiwrhh;e;j ,d;dy; vd;gJ xU MAs; fhg;gL P ghyprpia
thq;fpajd; tpisthf xU thbf;ifahsupd; elj;ij khwp kw;Wk; me;j
khw;wk; ,og;gpd; tha;gi
; g mjpfupf;Fk; rhj;jpaj;ij Fwpf;fpwJ.
jukhd taJ rhd;Wfshf fUjg;gLfpd;w rpy Mtzq;fspy; gs;sp
my;yJ fy;Y}up rhd;wpjo;> efuhl;rp gjpTfspy; ,Ue;J fpilf;Fk; gpwg;G
rhd;wpjo; Nghd;wit cs;sd.
xt;nthU fhg;gl P ;L epWtdKk; xU AML ghyprpia itj;jpUf;f
Ntz;Lk; kw;Wk; mjd;gb IMh;bV-tplk; xU gpujpia jhf;fy; nra;a
Ntz;Lk;. AML - ,d; jpl;lj;jpy; cs; nfhs;iffs;> eilKiwfs;
kw;Wk; fl;Lg;ghLfs; kw;Wk; Kf;fpa ,zf;f mjpfhupapd; epakdKk;
,Uf;f Ntz;Lk;.
jq;fs; thbf;ifahsupd; cz;ikahd milahsj;ij fhg;gPl;lhsh;fs;
jPh;khdpg;gJ mtrpak; KYC eilKiwapd; xU gFjpahf> Kftup rhd;W>
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epue;ju fzf;F vz; ml;il kw;Wk; Gifg;glq;fs; Nghd;w KYC

Mtzq;fs; Nrfupf;fg;gl Ntz;Lk;.
Kf;fpa thh;j;ijfs;
1. jfty; VL
2. Kd;nkhopT gbtk;
3. newpKiwrhh;e;j ,d;dy;
4. jukhd my;yhj jukw;w taJ rhd;Wfs;
5. gzr;ryit vjph;g;G
6. cq;fs; thbf;ifahsiu njupe;J nfhs;sTk; (KYC)
7. ,ytr-ghh;it fhyk;
Nfs;tp 1
fPOs;sjpy; jukhd taJ rhd;wpw;fhd cjhuzk; vJ?
1. Nu\d; ml;il
2. [hjfk;
3. gh];Nghh;l;
4. fpuhk Cuhl;rp rhd;wpjo;
Nfs;tp 2
fPOs;sjpy; vJ newpKiw rhh;e;j ,d;dy; fhuzkhf Vw;gLfpwJ?
1. fhg;gPL thq;fpaij njhlh;e;J mjpfupj;j mgha elj;ij
2. fhg;gPL thq;Ftjw;F Kd; mjpfupj;j mgha elj;ij
3. fhg;gPL thq;fpaij njhlh;e;J Fiwe;j mgha elj;ij
4. fhg;gPbw;F gpwF Fw;wtpay; eltbf;iffspy; <LgLtJ
Nfs;tp 3
fPOs;s mk;rq;fspy; vJ kUj;Jt Ma;thsh; mwp;f;ifapy; gupNrhjpf;fg;gl
Ntz;Lk;?
1. Kd;nkhopgth; czh;r;rpkpf;f elj;ij
2. cauk;> vil kw;Wk; ,uj;j mOj;jk;
3. r%f me;j];J
4. Neh;ik
Nfs;tp 4
________ xU jahupg;G gw;wp tptuq;fis toq;Ftjw;fhf fhg;gL
P epWtdq;fs;
gad;gLj;Jk; xU Kiwahd rl;l Mtzk; MFk;.
1. Kd;nkhopT gbtk;
2. jpl;l Nkw;Nfhs;
3. jfty; lhf;nfl;
4. jfty; VL
Nfs;tp 5
jpl;lj;ij jahupf;f gad;gLfpw gad;ghL Mtzk; nghJthf ________ vd
mwpag;gLfpwJ.
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1. tpz;zg;g gbtk; 2. Kd;nkhopT gbtk;

3. gjpT gbtk; 4. re;jh tbtk;
Nfs;tp 6
fPNo nfhLf;fg;gl;l taJ rhd;W Mtzq;fspy; ,Ue;J> fhg;gl
P ;L epWtdq;fs;
%yk; vJ jukw;wjhf tifg;gLj;jg;gLfpwJ.
1. gs;sp rhd;wpjo;
2. ghJfhg;G gzpahsu;fs; tof;fpy; milahs ml;il
3. Nu\d; ml;il 4. Qhd];ehd; rhd;wpjo;
Nfs;tp 7
gzr;ryit vd;gJ ___ gzj;ij mjd; ____ Njhw;wj;ij kiwj;J xU
nghUshjhuj;jpy; rl;;lg;g+h;tkhd Njhw;wj;jld; nfhz;LtUk; nray;Kiw MFk;.
1. rl;ltpNuhjkhd> rl;ltpNuhjkhd
2. rl;lg;g+h;tkhd> rl;lg;g+h;t
3. rl;ltpNuhjkhd> rl;lg;g+h;t
4. rl;lg;g+h;t> rl;ltpNuhjkhd
Nfs;tp 8
ghyprpjhuh; xU ghyprpia thq;fp mij tpUk;gtpy;iy vd;why;> ,ytr-ghh;it
fhyj;jpw;Fs;> mjhtJ ghyprpia ngw;w ___________ mij jpUg;g KbAk;.
1. 60 ehl;fs ; 2. 45 ehl;fs;
3. 30 ehl;fs; 4. 15 ehl;fs;
Nfs;tp 9
,ytr-ghh;it fhyj;jpy; xU ghyprpjhuh; %yk; ghyprp jpUg;gg;gl;lhy;>
fPOs;stjpy; xU ghyprp Fwpj;J ve;j $W rupahdjhf cs;sJ?
1. fhg;gPl;L epWtdk; 100% g;hPkpaj;ij jpUk;g toq;Fk;
2. fhg;gPl;L epWtdk; 50% g;hPkpaj;ij jpUk;g toq;Fk;
3. tpfpjhrhu Kiwapy; fhg;gspf;fg;gl;l fhyj;jpw;fhd fhg;gPLj;njhif
msT> kUj;Jt gupNrhjid kw;Wk; Kj;jpiu jPh;it fl;lzk; g;hPkpak;
njhifapy; fopf;fg;gl;L kPjp fpilf;Fk;.
4. fhg;gPl;L epWtdk; KO g;hPkpaj;ij gwpKjy; nra;J tpLk;.
Nfs;tp 10
fPNo cs;sjpy; vJ xU nry;YgbahFk; Kftup rhd;whf ,Uf;fpwJ?
1. epue;ju fzf;F fz; (PAN) ml;il

2. thf;fhsh; milahs ml;il
3. tq;fp fzf;F Gj;jfk;
4. xl;Leh; cupkk;
Nfs;tp 11
ghyprpjhuh; xU ghyprpia thq;fp mij tpUk;gtpy;iy vd;why;> fhyj;jpw;Fs;>
mij jpUg;gp kw;Wk; gzj;ij jpUk;g ngw KbAk;.
1. ,ytr kjpg;gPL
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2. ,ytr ghh;it
3. uj;J nra;Ak; NghJ
4. ,ytr Nrhjid
mj;jpahak; 12
Mtzkhf;fy; - ghyprp epiy - 1
mj;jpaha mwpKfk;
,e;j mj;jpahaj;jpy; ehk; xU Kd;nkhopT MAs; fhg;gL P ghyprp MFk; NghJ
rk;ge;jg;gl;l gy;NtW Mtzq;fis gw;wp tpthjpf;fpNwhk;.
1. ghyprp fl;lk; - Mtzkhf;fy;
RUf;fk;
MAs; fhg;gLP epWtdk; Kjy; g;hPkpak; urPij (FPR) toq;Fk; NghJ xU

fhg;gPL xg;ge;jk; Jtq;FfpwJ ghyprp xg;ge;jk; njhlq;fpAs;sjw;F
rhd;whf FPR cs;sJ.
ghyprp Mtzk; vd;gJ fhg;gL P njhlh;Gila kpf Kf;fpakhd Mtzk;.
,J fhg;gspf;fg;gLgth; kw;Wk; fhg;gPL epWtdj;jpd; ,ilNa cs;s
xg;ge;jj;jpd; rhd;whf cs;sJ.
jukhd ghyprp Mtzj;jpy; nghJthf ghyprp ml;ltiz> jukhd
tpjpfs; kw;Wk; ghyprpapd; Fwpg;gpl;l tpjpfs; vd;W %d;W ghfq;fs;
cs;sd.
1. Kjy; g;hPkpak; urPJ (FPR)

2. ghyprp Mtzk;
3. ghyprp ml;ltiz
4. jukhd tpjpfs;
5. Fwpg;gpl;l tpjpfs;
Nfs;tp 1
fhg;gPL epWtdk; kw;Wk; fhg;gL
P ngw;wth; ,ilNa xg;ge;jj;jpw;F rhd;whf
gpd;tUk; Mtzq;fspy; vJ cs;sJ?
1. Kd;nkhopT gbtk;
2. ghyprp Mtzk;
3. jfty; VL
4. <Lf;Nfhuy; gbtk;
Nfs;tp 2
xU Fwpg;gpl;l ghyprp Mtzj;jpy; rpf;fyhd nkhopapy; thh;j;ijfs;
gad;gLj;jg;gl;L kw;Wk; mJ xU njsptpd;ikia je;jhy;> mJ nghJthf
vg;gb guprPypf;fg;gLk;.
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1. fhg;gPL ngw;wtUf;F Mjuthf

2. fhg;gPl;L epWtdj;jpw;F Mjuthf
3. ghyprp nry;yhjjhf mwptpf;fg;gLk; kw;Wk; fhg;gl
P ;L epWtdj;jplk;
tl;bAld; g;hPkpak; jpUk;g Nfl;fg;gLk;
4. ghyprp nry;yhjjhf mwptpf;fg;gLk; kw;Wk; fhg;gl
P ;L epWtdj;jplk;
tl;bapy;yhky; g;hPkpak; jpUk;g Nfl;fg;gLk;
Nfs;tp 3
xU ghyprp Mtzj;ij kpf rpwe;J tptupf;fpd;w tpUg;gj;ij Njh;e;njLf;fTk;
1. mJ fhg;gPlL ; xg;ge;jj;jpd; rhd;whf cs;sJ
2. ,J fhg;gL P epWtdj;jpd; fhg;gPl;L ghyprpia thq;Ftjw;fhf fhg;gL P
ngWgth; ntspg;gLj;jpa tpUg;gj;jpw;F rhd;whf cs;sJ
3. ,J tq;fpfs;> jufh;fs; kw;Wk; gpw epWtdq;fs; Nghd;w Nrdy;
gq;fhspfis ifahSk; NghJ xU fhg;gl P ;L epWtdk; gpd;gw;Wk; ghyprp
(nray;KiwfSf;F) rhd;whf ,Uf;fpwJ)
4. ,J Kjy; g;hPkpak; nrYj;jpaJk; fhg;gl P ;L epWtdk; toq;Fk; xU
xg;Gif rPl;L
Nfs;tp 4
fPNo cs;s $Wfspy; ve;j $W rupahdjhf cs;sJ?
1. Kd;nkhopT gbtj;ij Vw;gJ ghyprp xg;ge;jk; njhlq;fptpl;ljw;fhd
rhd;W
2. g;hPkpaj;ij Vw;gJ ghyprp njhlq;fptpl;ljw;fhd rhd;W
3. Kjy; g;hPkpak; urpJ ghyprp xg;ge;jk; njhlq;fptpl;ljw;fhd rhd;W
4. g;hPkpak; tpiyia Fwpg;gpLtJ ghyprp xg;ge;jk; njhlq;fptpl;ljw;fhd
rhd;W
Nfs;tp 5
Kjy; g;hPkpaj;jpw;F gpd;dh; fhg;gPl;L epWtdk; ngWk; mLj;jLj;j
g;hPkpaq;fSf;F epWtdk; _________ toq;Fk;.
1. Gj;Jauspg;G g;hPkpak; urPJ
2. kPl;G g;hPkpak; urPJ
3. kWepakd g;hPkpak; urPJ
4. GJg;gpj;jy; g;hPkpak; urPJ
Nfs;tp 6
fhg;gPL ngw;wth; mry; MAs; fhg;gL
P ghyprp Mtzj;ij ,oe;jhy; vd;d
elf;Fk;?
1. fhg;gPlL; epWtdk; xg;ge;jj;jpy; ve;j khw;wq;fisAk; nra;ahky; xU
efy; ghyprpia toq;Fk;
2. fhg;gPL xg;ge;jk; xU KbTf;F tUk;
3. fhg;gPl;L epWtdk; MAs; fhg;gPL ngw;wtuf;F jw;Nghija cly;ey
epiyfspd; mbg;gilapy; GJg;gpf;fg;gl;l epge;jidfSld; xU efy;
ghyprpia toq;Fk;
4. fhg;gPl;L epWtdk; ghyprp xg;ge;jj;jpy; ve;j khw;wq;fisAk; nra;ahky;
xU efy; ghyprpia toq;Fk;> Mdhy; xU ePjpkd;w cj;juT fpilj;jhy;
kl;LNk.
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Nfs;tp 7
fPNo cs;s $Wfspy; ve;j $W rupahdjhf cs;sJ?
1. ghyprp Mtzk; xU jFjptha;e;j mjpfhupahy; ifnaOj;jplg;gl
Ntz;Lk; Mdhy; ,e;jpa Kj;jpiu rl;lj;jpd;gb Kj;jpiuaplg;gLtJ
fl;lhakpy;iy.
Ntz;Lk; kw;Wk;; ,e;jpa Kj;jpiu rl;lj;jpd;gb Kj;jpiuaplg;gl
Ntz;Lk;.
Njitapy;iy kw;Wk; ,e;jpa Kj;jpiu rl;lj;jpd;gb Kj;jpiuaplg;gl
Ntz;Lk;.
Njitapy;iy kw;Wk; ,e;jpa Kj;jpiu rl;lj;jpd;gb Kj;jpiuaplg;glTk;
Njitapy;iy.
Nfs;tp 8
fPNo cs;sjpy; vJ xU jukhd fhg;gL
P ghyprp Mtzk; Kjy; gFjp?
1. ghyprp ml;ltiz 2. jukhd tpjpfs;
3. Fwpg;gpl;l ghyprp tpjpfs; 4. <Lf;Nfhuy; eilKiw
Nfs;tp 9
xU jukhd fhg;gL
P ghyprp Mtzj;jpy;> jukhd tpjpfs; gpuptpy; fPOs;sjpy;
vij gw;wpa jfty; ,Uf;Fk;?
1. Jtf;f Njjp> Kjph;T Njjp> kw;Wk; fle;j g;hPkpaj;jpd; cupa Njjp
2. epakpf;fg;gl;ltupd; ngah;
3. xg;ge;jj;jpd; fPo; nghUe;Jk; cupikfs; kw;Wk; rYiffs; kw;Wk; gpw
epge;jidfs;
4. mq;ff P upf;fg;gl;l mjpfhupapd; ifnaOj;J kw;Wk; ghyprp Kj;jpiu
Nfs;tp 10
“xg;ge;jk; vOJk; Neuj;jpy; fh;g;gkhf cs;s ngz; fh;gg
; j;ij fhuzkhf
kuzk; miltij Kd;$l;bNa tpyf;Fk; xU tpjp” xU jukhd ghyprp
Mtzj;jpy; ve;j gpuptpy; Nrh;f;fg;gLk;?
1. ghyprp ml;ltiz
2. nghJ tpjpfs;
3. jukhd tpjpfs;
4. Fwpg;gpl;l ghyprp tpjpfs;
Nfs;tp 11
Kjy; g;hPkpak; urPJ (FDR) vd;d Rl;bf;fhl;LfpwJ? kpfTk; nghUj;jkhd

tpUg;gj;ij Njh;e;njLf;fTk;.
1. ,ytr – ghh;it fhyk; Kbtile;jJ
2. ,J ghyprp xg;ge;jk; njhlq;fpajw;fhd rhd;W
3. ghyprpia jw;NghJ uj;J nra;a KbahJ
4. ghyprp xU Fwpg;gpl;l gz kjpg;ig jpul;b tpl;lJ
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mj;jpahak; 13
Mtzkhf;Fjy;; - ghyprp epiy - 2
mj;jpaha mwpKfk;
,e;j mj;jpahaj;jpy; xU ghyprp Mtzj;jpy; ,izf;fg;gl;l tpjpfs; gw;wp
tpthjpf;fpNwhk;. mj;jpahaj;jpy; tpthjpf;fg;gLk; tpjpfspy; rYif fhyk;>
ghyprp fhyq;fopjy; kw;Wk; gwpKjy; - ,y;yhik Nghd;wtw;iw gw;wp rpy
Kf;fpakhd tpjpfSk; cs;sd.
1. ghyprp epiyfs; kw;Wk; rYiffs;
RUf;fk;
“rYif fhyk;” vd;w cl;gpupT cupa Njjpf;F gpd;dh; ghyprpjhuUf;F
g;hPkpak; nrYj;Jtjw;fhf xU $Ljy; fhyj;ij toq;FfpwJ.
kWepakdk; vd;gJ g;hPkpaq;fis nrYj;jhky; epWj;jg;gl;l my;yJ
gwpKjy; - kPz;L mkypy; nfhz;L tUk; topKiwahFk;.
xU ghyprp fld; ,U tpjq;fspy; xU rhjuz tzpf fldplkpUe;J
NtWgl;lJ. Kjypy; ghyprpapd; cupikahsh; rl;lg+h;tkhf flid jpUg;gp
nrYj;j rl;luPjpahf flikg;gltpy;iy kw;Wk; fhg;gl P ;L epWtdk; fhg;gL P
ngw;wth; kPJ xU fld; jFjpf;fhd Nrhjidia nra;a Ntz;ba
mtrpakpy;iy.
fhg;gspf;fg;gl;lth; mtuJ kuzj;jpw;F gpwF fhg;gl P ;L epWtdk; %yk;
fhg;gPLj;njhif toq;fg;glNtz;ba egh; (fspd;) ngaiu Kd;nkhoptJ
ngah;epakdk; MfpwJ.
xU MAs; fhg;gPl;L ghyprpapd; cupik khw;wj;jpy;> xU egh; kw;nwhU
egUf;F (nrhj;jhf) ghyprpapd; cupikfs;> rhrdk; kw;Wk; eyd;fis
khw;Wk; nraiy Fwpf;fpwJ. cupikfs; khw;Wk; egh; cupik khw;Wgth;
vdTk;> kw;Wk; mij ngWgth; cupik ngWgth; vdTk;
miof;fg;gLfpwhh;fs;.
khw;wq;fis fhg;gL P epWtdk; kw;Wk; fhg;gspf;fg;gl;;ltupd; rk;kj;jpw;F
cl;gl;lJ rpy vspa khw;wq;fis jtpu> nghJthf khw;wq;fs; ghyprpapd;
Kjy; tUlj;jpy; mDkjpf;fg;gLtjpy;iy.
Kf;fpa thh;j;ijfs;
1. rYif fhyk;
2. ghyprp fhyq;fopjy;
3. ghyprp Gj;jhf;fk;
4. xg;gilT kjpg;G
5. ngah; epakdk;
6. cupik khw;wk;
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Nfs;tp 1
fPNo cs;s mwpf;ifapy; ngah; epakdk; Fwpj;J vJ jtwhdJ?
1. flDf;F <lhf ghyprp fhg;gPl;L epWtdj;jpw;F cupik khw;wg;gl;lhy;>
ghyprp ngah; epakdk; uj;jhtjpy;iy
2. ngah; epakdj;ij ghyprpia thq;Fk;NghJ my;yJ gpd;dUk; nra;ayhk;
3. ngah; epakdj;ij ghyprpapy; xU Nkw;Fwpg;G %yk; khw;w KbAk;
4. ngah; epakpf;fg;gl;ltUf;F <Lf;Nfhuy; kPJ KO cupik cs;sJ
Nfs;tp 2
cj;juthjkhd xU xg;gilT kjpg;ig ghyprp ngWk; nghUl;L> rl;lj;jpd; gb
vt;tsT fhyj;jpw;F g;hPkpaq;fis fl;l Ntz;Lk;?
1. g;hPkpaq;fs; Fiwe;jJ 2 Mz;Lfs; njhlh;r;rpahf fl;lg;gl Ntz;Lk;
Nfs;tp 3
xU ghyprp fhyq;fope;jjhf vg;NghJ fUjg;gLk;?
1. cupa Njjpapy; g;hPkpaq;fs; fl;lg;gltpy;iy vd;why;
2. cupa Njjpf;F Kd;dh; g;hPkpaq;fs; fl;lg;gltpy;iy vd;why;
3. rYif fhyj;jpy; $l g;hPkpak; fl;lg;gltpy;iy vd;why;
4. ghyprpia xg;gilj;jpUe;jhy;
Nfs;tp 4
fhg;gPL ghyprpapd; rYif fhyk; Fwpj;J fPOs;s mwpf;ifapy; vJ rupahdjhf
cs;sJ?
1. jukhd rYif fhyj;jpd; ePsk; xU khjk;
2. jukhd rYif fhyj;jpd; ePsk; 30 ehl;fs;
3. jukhd rYif fhyj;jpd; ePsk; xU khjk; my;yJ 30 ehl;fs;
4. jukhd rYif fhyj;jpd; ePsk; xU khjk; my;yJ 31 ehl;fs;
Nfs;tp 5
ghyprpjhuh; cupa Njjpf;Fs; g;hPkpaj;ij fl;ltpy;iy kw;Wk; rYif fhyj;jpy;
,we;J tpl;lhy; vd;d elf;Fk;?
1. fhg;gPl;L epWtdk; cupa Njjpf;Fs; g;hPkpaj;ij fl;lhjjhy; ghyprpia
nry;yhjjhf;fp tpLk; kw;Wk; <Lf;Nfhuiy epuhfupj;J tpLk;
2. fhg;gPlL; epWtdk; <Lf;Nfhuiy nfhLj;JtpLk; kw;Wk; nrYj;jg;glhj
filrp g;hPkpaj;ij js;Sgb nra;JtpLk;
3. fhg;gPl;L epWtdk; nrYj;jg;glhj g;hPkpaj;ij fopj;j gpwF <Lf;Nfhuiy
nfhLj;J tpLk;
4. fhg;gPl;L epWtdk; tq;fp Nrkpg;gpw;fhd tl;b tpfpjj;jpw;F NkNy 2%
tl;bia Nrh;j;J nrYj;jg;glhj g;hPkpaj;ij fopj;j gpwF <Lf;Nfhuiy
nfhLj;J tpLk;
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Nfs;tp 6
xU fhyq;fope;j ghyprpia Gj;jhf;fk; nra;Ak; NghJ fhg;gPl;L epWtdk; %yk;
fPos;sjpy; ve;j mk;rk; kpfTk; Fwpg;gplj;jf;fjhf fUjg;gLk;? kpfTk;
nghUj;jkhd tpUg;gj;ij Njh;e;njLf;fTk;.
1. Gj;jhf;f rkaj;jpy; fhg;gPl;L jFjpf;fhd rhd;Wfs;
2. fhg;gPl;L epWtdj;jpw;fhd mghaj;ij mjpfupg;gjw;F toptFf;Fk; ghyprp
Gj;jhf;fk;
3. tl;bAld; nrYj;jg;glhj g;hPkpaq;fs; nrYj;Jjy;
4. fhg;gPL ngw;wth; xU Fwpg;gpl;l fhytiuf;Fs; Gj;jhf;fj;jpw;fhd
tpz;zg;gj;ij rkh;g;gpg;gJ
Nfs;tp 7
fhg;gPl;L ghyprpf;F> fhg;gPL rl;lk;> 1938 _________ fPo; ngah; epakdk;
mDkjpf;fg;gLfpwJ.
1. gphpT 10
2. gphpT 38
3. gphpT 39
4. gphpT 45
Nfs;tp 8
xU ghyprpf;F vjpuhf fhg;gL
P epWtdj;jplk; thq;fg;gLk; fld; Fwpj;J fPNo
cs;s mwpf;ifapy; vJ jtwhdJ?
1. ghyprp fhg;gPlL
; epWtdj;jpw;F Mjuthf cupik khw;wk; nra;ag;gl
Ntz;Lk;.
2. fhg;gPlL
; epWtdj;jpw;F Mjuthf ghyprp cupik khw;wg;gl;l fhuzkhf
,j;jifa ghyprpapd; ngah; epakdk; uj;J nra;ag;gLk;.
3. ngah; epakpf;fg;gl;ltupd; cupik fhg;gl
P ;L epWtdj;jpw;F ghyprp kPJs;s
gw;wpd; mstpw;F ghjpf;fg;gLk;;.
4. ghyprp fld; nghJthf ghyprpapd; xg;gilT kjpg;gpd; Fwpg;gpl;l
rjtPjkhf kl;LNk tuk;gplg;gLfpwJ.
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Nfs;tp 9
fPNo cs;s mwpf;ifapy; xU fhg;gl
P ;L ghyprp cupik khw;wk; Fwpj;J vJ
jtwhdJ?
1. KOikahd cupik khw;w tof;fpy;> cupik ngWgtupd; kuzk;
Vw;gl;lhy;> ghyprpapd; rhrdk; ,we;j cupik ngWgtupd; v];Nll;bw;F
nrd;W tpLk;.
2. xU MAs; fhg;gPl;L ghyprpapd; cupik khw;wj;jpy;> xU egh; kw;nwhU
egUf;F (nrhj;jhf) ghyprpapd; cupikfs;> rhrdk; kw;Wk; eyd;fis
khw;Wk; nraiy Fwpf;fpwJ.
3. ghyprpjhuh; cupik khw;wk; Fwpj;j fhg;gl
P ;L epWtdj;jpw;F mwptpg;ig
jUtJ mtrpak;
4. KOikahd cupik khw;w tof;fpy;> Kjph;T tiu ghyprp chpik
ngWthplNk KOikahf cs;sJ. Mdhy; ghyprp fhyj;jpy; fhg;gL P
ngw;wth; ,we;Jtpl;lhy; ghyprp fhg;gPL ngw;wthpd; gadhspfSf;F
jpUk;GfpwJ.
Nfs;tp 10
fPNo cs;s khw;wq;fspy; vJ xU fhg;gl
P ;L epWtdk; %yk; mDkjpf;fg;gLk;?
1. ,uz;L my;yJ mjw;F Nkw;gl;l ghyprpfshf xU ghyprpia gpupg;gJ
2. g;hPkpak; nrYj;Jk; fhyj;jpd; ePl;bg;G
3. ,yhgj;Jld; cs;s ghyprpia ,yhgj;Jld; ,y;yhj ghyprpahf
khw;WtJ
4. fhg;gPLj; njhifapd; mjpfhpg;G
Ra-ghPl;ir 11
ve;j #o;epiyapy; ghyprpjhuh; xU epakpf;fg;gl;ltiu epakpf;f Ntz;Lk;?
1. fhg;gPL ngw;wtuhf rpwhuhf ,Uf;fpwhh;
2. ngah; epakpf;fg;gl;lth; rpwhuhf ,Uf;fpwhh;
3. ghyprpjhuUf;F kd FiwghL cs;sth;
4. ghyprpjhuUf;F jpUkzk; Mftpy;iy
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mj;jpahak; 14
Vw;gspg;G
mj;jpaha mwpKfk;
xU MAs; fhg;glP ;L Kfthpd; Ntiy tUq;fhy thbf;ifahshplk; ,Ue;J
Kd;nkhopit ngw;wJNk Kbe;JtpLtjpy;iy. Kd;nkhopT xU ghyprp fhg;gl
P ;L
epWtdk; %yk; Vw;Wf;nfhs;sg;gl;L ghyprpahf ntsptu Ntz;Lk;.
MAs; fhg;gl P ;L epWtdk; Kd;nkhopit Vw;f Ntz;Lkh> kw;Wk; mg;gb
Vw;Wf;nfhz;lhy;> ve;j epge;jidfspd; fPo; vd;gij KbntLf;Fk; Kd;
xt;nthU Kd;nkhopTk; xU Eiothapiy flf;f Ntz;Lk;. ,e;j
mj;jpahaj;jpy;> ehk; Vw;gspg;G nray;Kiw kw;Wk; <LghL $Wfs; gw;wp NkYk;
njupe;J nfhs;Nthk;.
1. Vw;gspg;G – mbg;gil fUj;Jf;fs;
2. kUj;Jt – kw;w Vw;gspg;G
3. kUj;Jt Vw;gspg;G
RUf;fk;
rkgq;if gw;wp KbntLf;f> Vw;ghsh; mgha tifg; ghL vdg;gLk;
nray;Kiwapy; <LgLfpwhh;> mjhtJ jdpg;gl;l tho;f;iffs;
tifg;gLj;Jg;gl;L kw;Wk; mth;fs; ntspg;gLk; mghaq;fspd; msTf;F
Vw;g ntt;NtW mgha th;f;fq;fspy; xJf;fg;gLfpd;wdh;.
Vw;gspg;G my;yJ Njh;T nray;Kiw ,uz;L epiyfspy; eilngWtjhf

$wKbAk;.
 nraw;fs; epiy kw;Wk;
 Vw;gspg;G Jiw epiy
fhg;gPL Kd;nkhopTfspd; Vw;gspg;G topKiwfs; jPh;gG ; topKiw my;yJ

vz;zpay; topKiw gutyhf gad;gLj;jg;gLfpwJ.
Vw;ghsh;fs; %yk; nra;ag;gLk; Vw;gspg;G KbTfspy; jukhd
mghaq;fis jukhd tpfpjj;jpy; Vw;gJ my;yJ juf;Fiwthd
mghaq;fis $Ljyhf t#ypj;J Vw;gJk; mlq;Fk;. rpy Neuq;fspy;
fhg;gPLj;njhif kPJ kPs; cupikAld; Vw;G ,Uf;Fk; my;yJ
fl;Lg;gLj;jg;gl;l cl;gphpTfspd; mbg;gilapy; Vw;G ,Uf;Fk; mghak;
kpf nghpajhf ,Ue;jhy; Kd;nkhopT kWf;fg;gLk; my;yJ
xj;jpitf;fg;gLk;.
MAs; fhg;gL P Kd;nkhopTfs; ngUk;ghyhd vz;zpf;ifapy; nghJthf
fhg;gPl;L jFjpia rhpghh;f;f xU kUj;Jt ghpNrhjidia nra;ahkNyNa
fhg;gPbw;fhf Njh;e;njLf;fg; gLfpd;wd. ,J Nghd;w tof;Ffs; kUj;Jt-
kw;w Kd;nkhopTfs; vd;wiof;fg;gLk;.
kUj;Jt – kw;w Vw;gspg;gpy; fUjg;gLk; rpy kjpg;gL P fhuzpfs;
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 taJ
 kpfg;nghpa fhg;gL
P j; njhif
 newpKiw rhh; ,d;dy; Kjypad
 kUj;Jt Vw;gspg;gpy; fUjg;gLk; rpy fhuzpfs;
 FLk;g tuyhW
 kuGtop kw;Wk; jdpg;gl;l tuyhW Kjypad
1. Vw;gspg;G
2. jukhd tho;f;if
3. kUj;Jt-kw;w Vw;gspg;G
4. kjpg;gLP fhuzp
5. kUj;Jt Vw;gspg;G
6. vjph;-Njh;T
Nfs;tp 1
gpd;tUtdtw;wpy; vJ xU fhg;gl
P ;L epWtdj;jpy; Vw;ghshpd; gq;if Fwpf;fpwJ?
1. nray;Kiw <Lf;Nfhuy;fs;
2. mghaq;fspd; Vw;ig gw;wp KbT
3. jahupg;G tbtikg;G fl;blfiyQh;
4. thbf;ifahsh; cwT Nkyhsh;
Nfs;tp 2
gpd;tUtdtw;wpy; vJ Vw;gspg;G KbT ,y;iy?
1. jukhd tpfpjj;jpy; mghaj;ij Vw;gJ
2. mghaj;ij epuhfupg;gJ
3. mghaj;ij xj;jpitg;gJ
4. <Lf;Nfhuy; epuhfupg;G
Nfs;tp 3
gpd;tUtdtw;wpy; vJ xU jukhd taJ rhd;W ,y;iy?
1. gh];Nghh;l;
2. gs;spia tpl;L ntspNawpa rhd;wpjo;
3. [hjfk;
4. gpwg;G rhd;wpjo;
Nfs;tp 4
gpd;tUk; epge;jidapy; vJ xU eghpd; fhg;gL
P jpwid vjph;kiwahf ghjpf;Fk;?
1. jpdg;gb XLtJ
2. jilnra;j nghUspd; J\;gpuNahfk;
3. Nrhk;Ngwpahd ,ay;G
4. fhye;jho;j;Jjy;
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Nfs;tp 5
ve;j Kiwapd; fPo; Vw;ghsh;fs; midj;J vjph;kiw ghjfkhd fhuzpfSf;F
Neh;kiw kjpg;gL
P Gs;spfis (Neh;kiwahd my;yJ rhjfkhd fhuzpfSf;F
vjph;kiw Gs;spfs;) xJf;Fthh;fs;?
1. jPh;gG
;
2. jd;dpr;irahd
3. vz;zpay; kjpg;gPL
4. xU gb
Nfs;tp 6
____________ - ,y; cs;sth;fspd; vjph;ghh;f;fg;gl;l ,wg;G tPjk;> ,wg;G
ml;ltizapy; gpujpepjpj;Jtk; nra;ag;gl;l jukhd tho;Tld; xj;Js;sJ.
1. jukhd tho;Tfs;
2. tpUk;gg;gl;l mghaq;fs;
3. juf;Fiwthd tho;Tfs;
Nfs;tp 7
mk;Ujh fh;g;gkhf cs;shh;. mth; xU fhy fhg;gPbw;F tpz;zg;gj;Js;sdh;.
fPNo cs;s tpUg;gq;fspy;> Vw;ghsh; mk;Ujhtpw;F fhg;gL
P toq;Ftjw;fhf
Njh;T nra;Ak; rpwe;j topahf vJ ,Uf;Fk;? kpf rhj;jpakhd tpUg;gj;ij
Njh;e;njLf;fTk;.
1. rhjhuz tpfpjj;jpy; Vw;G
2. $Ljy; g;hPkpaj;Jld; Vw;G
3. Kd;nkhopit kWg;gJ
4. xU fl;Lg;gLj;jg;gl;l cl;gphpit nfhz;l Vw;G
Nfs;tp 8
fPNo cs;s fhg;gPl;L Kd;nkhopTfspy; kUj;Jt-kw;w Vw;gspg;ghf jFjp ngWk;
tha;g;G vjw;F ,y;iy?
1. 26 taJs;s rtpjh> xU nkd;nghUs; nghwpahsuhf xU jfty; njhlh;G
epWtdj;jpy; Ntiy nra;fpwhh;.
2. 50 taJ kNf\;> epyf;fhp Ruq;fj;jpy; Ntiy nra;fpwhh;
3. 28 taJs;s rjP\;> xU tq;fpapy; Ntiy nra;gth; kw;Wk; &.1 Nfhb
fhg;gPbw;F tpz;zg;gpj;Js;shh;.
4. 30 taJs;s gputPd;> gy;nghUs; filapy; Ntiy nra;fpwhh; kw;Wk; 10
Mz;LfSf;F xU vd;Nlhnkd;l; fhg;gl
P ;l jpl;lj;jpw;F
tpz;zg;gpj;Js;sdh;.
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Nfs;tp 9
\Pdh jPtpukhd ePupopT Nehahy; ghjpf;fg;gl;Ls;sh;. mth; xU fhg;gPl;L
jpl;lj;jpw;F tpz;zg;gpj;Js;sdh;. ,e;j tof;fpy; Vw;ghsh; _______ gad;gLj;Jk;
mjpf tha;gG ; cs;sJ. kpfTk; nghUj;jkhd tpUg;gj;ij Njh;e;njLf;fTk;.
1. jPh;g;G Kiw
2. vz;zpay; Kiw
3. ePupopT Nghd;w xU Neha; vd;gjhy; NkNyAs;s ve;j KiwAk; Vw;gspg;G
nray;Kiwapy; Kf;fpa gq;if tfpg;gjpy;iy.
4. NkYs;s Kiwapy; vJTkpy;iy Vnddpy; ePupopT Nehahspfs;
cldbahf epuhfupf;fg;gLfpd;wdh;.
Nfs;tp 10
re;Njh\; xU fhy fhg;gPbw;F tpz;zg;gpj;Js;sdh;. mtuJ vjph;ghh;f;fg;gl;l
,wg;G tPjk; jukhd tho;Tfistpl fzprkhf Fiwthf cs;sJ. vdNt
Fiwe;j mtUf;F g;hPkpak; tpjpf;fg;glyhk;. mgha tifg;ghbd; fPo:> re;Njh\;
_______ fPo; tifg;gLj;jg;gl;Ls;shh;.
1. jukhd tho;Tfs;
2. tpUk;gg;gl;l mghaq;fs;
4. epuhfupf;fg;gl;l tho;Tfs;
Nfs;tp 11
gpd;tUk; tof;Ffspy; ve;j xU tho;f;if MAs; fhg;gPl;L epWtdj;jhy;
kWf;fg;gl my;yJ xj;jpitf;fg;gl tha;g;G cs;sJ?
1. MNuhf;fpakhd 18 taJ egh;
2. xU gUkdhd egh;
3. va;l;]; Nehahy; ghjpf;fg;gl;l xU egh;
4. nrhe;j tUkhdk; ,y;yhj ,y;yj;jurp
Nfs;tp 12
gpd;tUtjpy; vJ newpKiwrhh; ,d;dYf;fhd xU cjhuzk;?
1. xU ];;lz;il nra;Ak; NghJ ];lz;l; fiyQh; ,we;J tpLfpwhh;
2. fhak; gl;ljhy; mjpfkhf mstpy; kJ Fbf;fpd;w xU egh;
3. g;hPkpaq;fs; nrYj;Jtjpy; fhg;gL
P ngw;wth; jtW nra;fpwhh;
4. Kd;nkhopgth; ghyprp Mtzj;jpy; ngha; nrhy;tJ
Nfs;tp 13
kUj;Jt Vw;gspg;gpy; kuGtop tuyhW Vd; Kf;fpakhdjhf cs;sJ?
1. gzf;fhu ngw;Nwhh;fSf;F MNuhf;fpakhd Foe;ijfs; ,Uf;Fk;
2. rpy Neha;fs; Foe;ijfSf;F ngw;Nwhhh;fsplk; ,Ue;J nrYj;jg;gl;L
tUfpwJ
3. Vio ngw;Nwhh;fSf;F Nghrhf;fpd;wp Foe;ijfs; ,Uf;Fk;
4. FLk;g #oy; xU Kf;fpa fhuzpahFk;
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mj;jpahak; 15
xU MAs; fhg;gPl;bd; fPo; gzj;ij toq;Fk; Kiwfs;
mj;jpaha mwpKfk;
,e;j mj;jpahak; <Lf;Nfhuy; fUj;ij kw;Wk; <Lf;Nfhuy;fs; vt;thW
Muhag;gLk; vd;gij tpsf;FfpwJ. gpd;dh; kuz <Lf;NfhuYf;F rkh;gg ; pf;f
Ntz;ba gbtq;fspd; tptuq;fs; kw;Wk; fhg;gPL ngw;wth; ve;j Kf;fpakhd
jfty;fisAk; kiwj;jpUf;fhtpl;lhy;> fhg;gPl;L epWtdk; gadhspfspd;
<Lf;Nfhuiy epuhfupg;gij vjph;j;J ghJfhf;Fk; (vjph;f;f ,lkw;w cl;$W
kw;Wk; ghyprpjhuh;fspd; eyd;fSf;fhd ghJfhg;G xOq;Ftpjpfs;) gw;wp mwpe;J
nfhs;tPh;fs;.
1. <Lf;Nfhuy; tiffs; kw;Wk; <Lf;Nfhuy; eilKiwfs;
RUf;fk;
xU <Lf;Nfhuy; vd;gJ fhg;gPl;L xg;ge;jj;jpy; Fwpg;gplg;gl;l thf;FWjpia
fhg;gPl;L epWtdk; g+h;j;jp nra;a Ntz;Lk; vd;w Nfhupf;if MFk;.
xU <Lf;Nfhuy; vd;gJ ca;T <Lf;Nfhuy; my;yJ kuz <Lf;Nfhuyhf
,Uf;fyhk;. xU kuz <Lf;Nfhuy; MAs; fhg;gPil ngw;wth; ,wf;Fk;
NghJ kl;LNk vOfpwJ. ca;T <Lf;Nfhuy;fs; xd;W my;yJ mjw;F
Nkw;gl;l epfo;Tfshy; Vw;glyhk;.
xU ca;T <Lf;Nfhuy; gzj;ij toq;f> ghyprpapy; cs;s
epge;jidfisgb epfo;T Vw;gl;Ls;sJ vd;W mwpe;J nfhs;s Ntz;Lk;.
gpd;tUk; gz toq;fy;fs; ghyprp fhytiuapy; Vw;glyhk;.
 ca;T ed;ik toq;fy;fs;
 ghyprpapd; xg;gilT
 iuly; ed;id
 Kjph;T ed;ik
 kuz ed;ik
fhg;gPL rl;lj;jpd; gpupT 45 (vjph;f;f Kbahj cl;gpupT)> ghyprp njhlq;fp
2 tUlk; Kbe;J kw;Wk; fhg;gL P ngw;wth; ve;j Kf;fpa jftiyAk;
xLf;ftpy;iy vd;why;> fhg;gPl;L epWtdk; %yk; <Lf;Nfhuy; epuhfupg;gpy;
,Ue;J fhg;gPL ngWgtiu ghJfhf;fpwJ.
IMh;bV (ghyprpjhuh;fs; eyd; ghJfhg;gG) tpjpfs; 2002 - ,d; fPo;>
IMh;bV <Lf;Nfhuy; vOk; tof;fpwy; fhg;gPL ngw;wth; my;yJ
gadhspia ghJfhf;Fk; / fhg;ghw;Wtjw;fhf tpjpfis tFj;jpUf;fpwJ.
Nfs;tp 1
ghyprpfspd; xU gl;bay; fPNo nfhLf;fg;gl;Ls;sJ. ve;j tifahd ghyprpapd;
fPo;> <Lf;Nfhuy; gzk; Fwpg;gpl;l fhytiufspy; toq;fg;gLk;?
1. gz-kPl;rp ghyprp
2. a+dpl; ypq;f;l; MAs; fhg;gPl;L ghyprp
3. g;hPkpak; jpUk;g fpilf;Fk; ghyprp
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4. fhy fhg;GWjp
Nfs;tp 2
kNf\; xU fLikahd Neha; iulUld; MAs; fhg;gl P ;L ghyprpia
thq;fpAs;shh;. mth; fuDf;F Mjuthf ghyprpapd; KOikahd cupik
khw;wj;ij nra;Js;shh;. kNf\; khuilg;G ghjpf;fg;gLfpwhh; kw;Wk; fLikahd
Neha; iulupd; fPo; &.50>000 NfhUfpwhh;. ,e;j tof;fpy; ahUf;F gzk;
toq;fg;gLk;?
1. kNf\;
2. fuz;
3. gzk; kNf\; kw;Wk; fud; ,ilNa rkkhf gfpug;gLk;
4. ,uz;L NgUf;FNk fpilf;fhJ Vnddpy; khuilg;G kNf\_f;F te;jJ
Mdhy; ghyprp fuz; ngaupd; cupik khw;wk; nra;ag;gl;Ls;sJ.
Nfs;tp 3
gpuPtd; xU fhh; tpgj;jpy; ,we;jhh;. gadhsp kuz <Lf;Nfhuy; Mtzq;fis
rkh;gg
; pf;fpwhh;. fPNo cs;s Mtzq;fspy; ,aw;if kuzj;Jld; xg;gpLifapy;
tpgj;J %yk; ,we;j tof;fpy; rkh;g;gpf;f Ntz;ba $Ljy; Mtzk; vJ.
1. mlf;fk; my;yJ jfdj;jpw;fhd rhd;wpjo;
2. rpfpr;iraspj;j kUj;Jtupd; rhd;wpjo;
3. gzp Kjyhspapd; rhd;wpjo;
4. Gyd; tprhuiz mwpf;if
Nfs;tp 4
fPNo cs;s kuz <Lf;Nfhuy;fspy; vJ Kd;$l;bNa vOk; kuz <Lf;Nfhuyhf
fUjg;gl Ntz;Lk;?
1. %d;W Mz;Lfs; ghyprp fhyk; Kbtjw;Fs; fhg;gPL ngw;wth;
,we;Jtpl;lhy;
2. Ie;J Mz;Lfs; ghyprp fhyk; Kbtjw;Fs; fhg;gPL ngw;wth; ,we;J
tpl;lhy;
3. VO Mz;Lfs; ghyprp fhyk; Kbtjw;Fs; fhg;gL P ngw;wth; ,we;J
tpl;lhy;
4. gj;J Mz;Lfs; ghyprp fhyk; Kbtjw;Fs; fhg;gPL ngw;wth; ,we;J
tpl;lhy;
Nfs;tp 5
ca;T <Lf;Nfhuy;fis J}z;Lk; vd;W rpy epfo;Tfs; fPNo jug;gl;Ls;sd.
jtwhf cs;s mwpf;ifia milahsk; fhzTk;.
1. fhy fhg;gPL ghyprpapy; toq;fg;gLk; Kjph;T <Lf;Nfhuy; gzk;
2. gz-kPlr
; p ghyprpapd; fPo; xU iky;fy;iy milAk; NghJ toq;fg;gLk;
xU jtiz
3. xU iulh; ed;ikahf ghyprpapd; fPo; fLikahd Neha;fSf;F
toq;fg;gLk; <Lf;Nfhuy;
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4. ghyprpjhuUf;F vd;Nlhnkd;l; ghyprpapd; xg;giltpd; NghJ toq;fg;gLk;

xg;gilT kjpg;G
Nfs;tp 6
xU iky;fy;iy milAk; NghJ gz-kPl;rp ghyprpd;fPo; toq;fg;gLk; gzk;>
<Lf;Nfhuypd; ve;j tifapd; fPo; tifg;gLj;jg;gl;Ls;sJ?
1. kuz <Lf;Nfhuy;
2. Kjph;T <Lf;Nfhuy;
3. Fwpg;gpl;l fhyj;jpy; ca;T <Lf;Nfhuy;
4. xg;gilT <Lf;Nfhuy;
Nfs;tp 7
rq;fh; a+dpl; ypq;f;l; fhg;gl
P ;L jpl;lj;ij 10 Mz;LfSf;fhf thq;fpdhh;. mth;
ghyprp Kjph;tilAk; Kd; ,we;J tpl;lhy; fPOs;sjpy; vJ toq;fg;gLk;?
1. fhg;gPLj; njhif my;yJ epjp kjpg;gpy; vJ Fiwthf cs;sNjh
2. fhg;gPLj; njhif my;yJ epjp kjpg;gpy; vJ cah;thf cs;sNjh
3. xU tq;fpapd; Nrkpg;G itg;Gld; xg;gpLifapy; fpilf;Fk; tl;bia tpl
2% mjpf tl;b tpfpjj;jpy; g;hPkpaq;fs; jpUk;g fpilf;Fk;
4. xg;gilT kjpg;G
Nfs;tp 8
<Lf;Nfhuy;fs; tifg;ghL (Kd;$l;b my;yJ Kd;$l;b kuzk; my;yhj)
mbg;gilapy;> jdpg;Nghf;Fs;sij Njh;e;njLf;fTk;?
1. uk;ah xU fhy fhg;gl P ;L jpl;lj;ij thq;fpagpd;> 6 khjq;fSf;F gpwF
,we;J tpLfpwhh;
2. kNdh[; xU fhy fhg;gl P ;L jpl;lk; thq;fpagpd;> xd;wiu Mz;LfSf;F
gpwF ,we;J tpLfpwhh;
3. Nltpl; xU fhy fhg;gPl;L jpl;lk; thq;fpagpd;> ,uz;liu Mz;LfSf;F
gpwF ,we;J tpLfpwhh;.
4. gputpd; xU fhy fhg;gPlL ; jpl;lk; thq;fpagpd;> Ie;jiu xd;wiu
Mz;LfSf;F gpwF ,we;J tpLfpwhh;.
Nfs;tp 9
MAs; fhg;gL P ngw;wth; kuzk; Vw;gl;lhy; gashfpfs; xU rhjhuz kuz
<Lf;NfhuYf;F rkh;gpf;f Ntz;ba Mtzq;fspd; gl;bay; fPNo
nfhLf;fg;gl;Ls;sJ. $Ljyhf tpgj;jpy; ,we;j tof;fpy; kl;Lk; rkh;g;gpf;fg;gl
Ntz;ba GJikahd Mtzj;ij Njh;e;njLf;fTk;.
1. Gyd; tprhuiz
2. <Lf;Nfhuy; tbtk;
3. mlf;fk; my;yJ jfdj;jpd; rhd;wpjo;
4. kUj;Jtkidapd; rhd;wpjo;
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Nfs;tp 10
IMh;bV (ghyprpjhuh;fs; eyd;fs; ghJfhg;G) xOq;Ftpjpfs; 2002-,d; fPo; MAs;
fhg;gPl;L ghyprpapd; fPo; xU <Lf;NfhuYf;F Njitahd midj;J njhlh;Gila
Mtzq;fs; kw;Wk; tpsf;fq;fis ngw;w NjjpapypUe;j 30 ehl;fSf;F gzk;
toq;fg;gl Ntz;Lk; my;yJ rh;;r;irapUe;jhy; tprhuizf;F mDg;g Ntz;Lk;.
1. 7 ehl;fs;
2. 15 ehl;fs;
3. 30 ehl;fs;
4. 45 ehl;fs;
Nfs;tp 11
fPNo cs;s mwpf;ifapy; <Lf;Nfhuy; fUj;J vJ rpwe;j Kiwapy;
tptupf;fpwJ? kpfTk; nghUj;jkhd tpUg;gj;ij Njh;e;njLf;fTk;.
1. xU <Lf;Nfhuy; vd;gJ fhg;gl P ;L xg;ge;j;jpy; Fwpg;gplg;glhj thf;FWjpia
fhg;gPl;L epWtdk; g+h;j;jp nra;a Ntz;Lk; vd;w Nfhupf;if MFk;.
2. xU <Lf;Nfhuy; vd;gJ fhg;gPl;L xg;ge;jj;jpy; Fwpg;gplg;gl;l thf;FWjpia
fhg;gPlL; epWtdk; g+h;j;jp nra;a Ntz;Lk; vd;w Nfhupf;if MFk;.
3. xU <Lf;Nfhuy; vd;gJ fhg;gPlL ; xg;ge;jj;jpy; Fwpg;gplg;gl;l nghWg;ig
fhg;gPL ngw;wth; g+h;j;jp nra;a Ntz;Lk; vd;w Nfhupf;if MFk;.
4. xU xU <Lf;Nfhuy; vd;gJ fhg;gPl;L xg;ge;j;jpy; Fwpg;gplg;gl;l
thf;FWjpia fhg;gPL ngw;wth; g+h;j;jp nra;a Ntz;Lk; vd;w Nfhupf;if
MFk;.
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mj;jpahak; 16
xOq;Ftpjp mk;rq;fs;
mj;jpaha mwpKfk;
fhg;gPl;L xOq;Ftpjpfspd; Kf;fpaj;Jtk; gw;wp cq;fSf;F Gupaitg;gJjhd;
,e;j mj;jpahaj;jpd; Nehf;fk;. mJ kl;Lkpy;yhJ> fhg;gl P ;L Kftupd; rl;l
hPjpahd jFjp gw;wpAk; ,e;j mj;jpahak; tpsf;FfpwJ. ePqf ; s; Kfth;fSf;F
nghJthd kw;Wk; fhg;gPl;L Kfth;fSf;nfd;W Fwpg;ghf cs;s gy;NtW
tpjpfs; kw;Wk; xOq;FKiwfs; gw;wpAk; ,jpy; fw;gPh;fs;.
1. fhg;gPl;L xOq;Ftpjpfs; kw;Wk; xOq;Fg;gLj;Jk; fl;likg;G
2. xOq;Ftpjpfs; kw;Wk; fhg;gl
P ;L Kfth;fSf;F nghUe;Jk; ed;dlj;ij
Nfhl;ghLfs;
RUf;fk;
Jujph;\;lk; Vw;gl;lhy; fhg;gPlL; epWtdk; xU Fwpg;gpl;l njhifia

toq;Fk; vd;w thf;FWjpia tpw;gid nra;fpNwhk; vd;gij fhg;gPlL ;
Kfth; vg;NghJk; kdjpy; nfhs;s Ntz;Lk;.
fhg;gPl;L tpjpKiwfspd; K;fpa Fwpf;Nfhs; ghyprpjhuiu ghJfhg;gjhFk;.
fhg;gPl;L rl;lk;> 1938 kw;Wk; fhg;gPl;L xOq;F kw;Wk; Nkk;ghl;L Miza
(IMh;bV) rl;lk; 1999> fhg;gi P l xOq;FgLj;J mbg;gil fl;likg;ghf
cs;sd.
fhg;gPl;Lr; rl;lk;> 1938 ,y; fhg;gl P ;L epWtdq;fspd; ,af;fq;fis
fz;fhzpf;Fk; kw;Wk; fl;Lg;gLj;Jk; tpjpKiwfs; ,Uf;fpd;wd.
fhg;gPl;L xOq;F kw;Wk; Nkk;ghl;L Mizak; (IMh;bV)> xU jdpg;gl;l
Mizakhf> fhg;gPl;Lj; Jiwia xOq;FgLj;jp Kd;Ndw;Wtjw;fhf
ehlhSkd;wj;jhy; 2000 ,y; epWtdg;gl;lJ.
fhg;gPl;lhsh;fs; kw;Wk; ,ilj;jufh;fs; ,UtUf;Fkhd flikfis
epu;zak; nra;J ghyprpjhuh;fspd; eyid ghJfhg;gjw;fhf> IMh;bV>
xOq;FKiwfis gupe;Jiu nra;Js;sJ.
xU Kfth; jdp KftuhfNth my;yJ $l;lhz;ik KftuhfNth
,Uf;fyhk;.
tha;g;Gs;sth; xU Kftuhf> gupe;Jiuj;j Fiwe;jgl;r fy;tp jFjpia
ngw;wpUf;f Ntz;Lk;. gupe;Jiuj;j eilKiw gapw;rpia Nkw;nfhs;s
Ntz;Lk;. gupe;Jiuj;j fl;lzj;ij nrYj;j Ntz;Lk; gupe;Jiuj;j
ghPl;iria vOj Ntz;Lk;.
fhg;gPl;L Kftuhf cupkk; ngw;w xt;nthU egUk; Fwpg;gplg;gl;Ls;s
ed;dlj;ijf; Nfhl;ghLfSf;F ,zq;f Ntz;Lk; vd;W IMh;bV
topKiwfs; epge;jid tpjpf;fpwJ.
ve;j ,ilj;jufUk; ahiuAk; xU ghyprp vLf;FkhW J}z;lf;$lhJ.
Kf;fpa thh;j;ijfs;
1. jdp Kftu;
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2. $l;lhz;ik Kftu;
3. fyitf; fhg;gl
P ;L Kfth;fs;
4. js;Sgb
5. ,ilj;jufh;fs;
1. fhg;gPlL
; xOq;F kw;Wk; Nkk;ghl;L Mizar; rl;lk; (The Insurance
Regularory & Development Authority Act) 1999
fhg;gPl;L xOq;F kw;Wk; Nkk;ghl;L Mizak; (IMh;bV)> xU jdpg;gl;l
Mizakhf fhg;gPl;Lj; Jiwia xOq;FgLj;jp Kd;Ndw;Wtjw;fhf
ehlhSkd;wj;jhy; 2000 ,y; epWtg;gl;lJ. (mjhtJ ,d;#ud;]; nuFNyl;lup
md;l; nltyg;nkd;l; mj;jhupl;b rl;lk;> 1999 vd;w ngaupy;).
Kf;fpakhdit
IRDA rl;lj;jpd; KfTiu $WtJ vd;dntd;why;?

“,J fhg;gl P ;L ghyprpjhuh;fspd; eyid ghJfhg;gjw;Fk;> xOq;FgLj;Jtjw;Fk;>
fhg;gPl;Lj; Jiwia rupahd tifapy; Nkk;gLj;jp Kd;Ndw;Wtjw;Fk; kw;Wk;
mj;Jld; rk;ge;jg;gl;l tp\aq;fSf;fhfTk; Mizaj;ij epWtd
cUthf;fg;gl;l rl;lk;.”
fhg;gPl;lhsh;fs; kw;Wk; ,ilj;jufh;fs; ,UtUf;Fkhd flikfis eph;zak;
nra;J ghyprpjhuh;fs; eyid ghJfhg;gjw;fhf> I.Mh;.bV xOq;FKiwfis
gupe;Jiu nra;Js;sJ.
,e;j xOq;FKiwfs;> fhg;gl
P ;lhsu;fspd; gpd;tUk; flikfis gw;wpAk;
gupe;Jiuf;fg;gLfpwJ.
 tpw;gid nra;Ak; ,lk;
 ghyprp Nritaspj;jy;
 <Lf;Nfhuy; Nritaspj;jy;
 mth;fsJ nryT fl;LghLfs;> KjyPL kw;Wk;
 ghyprpjhuh;fsplk; mspj;j thf;FWjpfis epiwNtw;Wtjw;fhd epjp
typik.
3. NtW rl;lq;fs; / rl;lkpaw;wy;fs;
,j;Jld;> ,e;jpahtpd; fhg;gl
P ;L tzpfk;> Njrj;jpd; NtW gy rl;lq;fs; /
rl;lkaw;wy;fSld; ,izf;fg;gl;bUf;fpd;wd. mtw;wpy; rpy fPNo
gl;bayplg;gl;bUf;fpd;wd.
1) njhopyhsp ,og;gPL rl;l (Workmen’s Compensation Act)> 1923 (2010

,y;
vk;g;shaP]; fhk;ngd;Nr\d; rl;lk; vd;W jpUj;jpaikf;fg;gl;L ngah;
khw;wg;gl;lJ)
2) Copah; muR <l;LWjp rl;lk;> (Employees’ State Insurance Act) 1948
3) ; fofk; rl;lk;> (Life Insurance Corporation Act) 1956

MAs; fhg;gPlL
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4) itg;Gj; njhif fhg;GWjp kw;Wk; fld; cj;juthj fofk; rl;lk;>

(Deposit Insurance and Credit Guarantee Corporation Act) 1961
5) fly; fhg;gPL rl;lk;> (Marine Insurance act) 1963
6) Vw;Wkjp fld; cj;juthj fofk; rl;lk; (Export Credit Guarantee

Corporation Act) 1964.
7) n[duy; ,d;#ud;]; gp]pd]; (ehl;Lilkahf;fy;) rl;lk; (General

Insurance Business (Nationalsation) Act) 1972
8) n[duy; ,d;#ud;]; gp]pd]; (ehl;Lilkahf;fy;) jpUj;j rl;lk;
(General
Insurance Business (Nationalsation) Amemdment Act) 2002
9) Nkhl;lh thfd rl;lk;> (Morot Vehicles Act) 1988
10) nghJ nghWg;G fhg;gPL rl;lk;> (Public Liability Insurance Act) 1991.
,e;j nghJthd rl;lq;fisj; jtpu> fhg;gPl;L tzpfj;jpd; xOf;fk; kw;Wk;
ghyprpjhuh; ghJfhg;G rk;ge;jg;gl;l Fwpg;gpl;l tp\aq;fis gw;wpa
xOq;FKiwfs;> Mizfs; kw;Wk; Rw;wwpf;iffs; Nghd;wit IMh;bV – My;
mt;tg;nghOJ ntspaplg;gl;Ls;sd.
Nfs;tp 1
tpz;zg;gjhuh; xU fhg;gPl;L Kftuhf ____________ kzpNeu gapw;rpia Kbf;f
Ntz;Lk;.
1. 50 2. 100
3. 30 4. 25
Nfs;tp 2
fhg;gPl;L Kftu; ___________ - ,d; gpujpep
1. fhg;gPlL
; epWtdk;
2. Jiz Kfth;
3. $l;LwT Kftu;
4. jufh;
Nfs;tp 3
xU fhg;gl
P ;L Kftuhf Ntiy nra;Ak; cupkk; ______ %yk; toq;fg;gLfpwJ.
1. nghJ fhg;gPlL; fofk; (GIC)

2. fhg;gPlL
; xOq;FKiw kw;Wk; Nkk;ghl;L Mizak; (IMh;bV)
3. ];Nll; ghq;f; Mg; ,e;jpah (SBI)
4. mQ;ryfk;
Nfs;tp 4
Kfth; chpkk; _________ GJg;gpf;fg;gl Ntz;Lk;
1. xt;nthU Mz;Lk;
2. 5 Mz;LfSf;F gpwF
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3. 3 Mz;LfSf;F gpwF
4. 15 Mz;LfSf;F gpwF
Nfs;tp 5
jtwhd mwpf;ifia milahsk; fhz;f. fhg;gl
P ;L Kftu; _________
nra;af;$lhJ.
1. thbf;ifahsh; Nfl;lhy; fkp\d; msT $w Ntz;Lk;
2. js;Sgb %yk; fkp\id gfpu;tJ
3. Nfl;lhy; jdJ cupkj;ij fhz;gpf;f Ntz;Lk;
4. tpjpf;fg;gLk; gphPkpaj;ij Fwpg;gpl Ntz;Lk;
Nfs;tp 6
fhg;GWjp Kfth; my;yJ fyit fhg;gl P ;L Kftuhf nray;gLtjw;fhd cupkk;
toq;fg;gl / GJg;gpf;f mjpfhuj;jplk; nrYj;j Ntz;ba fl;lzk; &.______
1. 250
2. 150
3. 520
4. 100
Nfs;tp 7
mjpfhuk; _______ ele;jhy; efy; cupkj;ij toq;fyhk;.
1. njhiye;J tpl;lhy;
2. mope;J tpl;lhy;
3. rpijf;fg;gl;lhy;
4. NkYs;s midj;Jk;
Nfs;tp 8
_____ xU Kfth; Fw;wtpay; Nkhrb Fw;wthspahf ep&gpf;fg;gl;lhy;>
epakpf;fg;gl;l egh; ______ nra;a Ntz;Lk;.
1. cupkj;ij uj;J nra;a Ntz;Lk;
2. efy; cupkj;ij toq;f Ntz;Lk;
3. jw;NghJs;s cupkj;ij GJg;gpf;f Ntz;Lk;
4. KfthplkpUe;J VjhtJ fl;lzk; thq;fyhk;
Nfs;tp 9
xU fhg;gPlL
; KftUf;F Njitahd Fiwe;jgl;r fy;tpj;jFjp ______ - ,y;
Njh;r;rp
1. gl;ljhhp
2. 10 tJ
3. KJfiy gl;ljhhp
4. 7 tJ
Nfs;tp 10
______ xd;wpw;F Nkw;gl;l MAs; fhg;gL
P epWtdk; my;yJ nghJ fhg;gl
P ;L
epWtdk; my;yJ ,uz;bYNk tzpfk; nra;ayhk;.
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1. Kfth;
2. Ma;thsh;
3. $l;lhz;ik Kfth;
4. NkYs;sjpy; vtUkpy;iy
Nfs;tp 11
gpd;tUk; $Wfspy; vJ rupahdJ?
1. fhg;gPl;L epWtdq;fis ghJfhg;gNk fhg;gPl;L xOq;Ftpjpapd;
Kjd;ikahd Nehf;fk;
2. ghyprpjhuiu ghJfhg;gNj fhg;gPl;L xOq;F tpjpapd; Kjd;ikahd
Nehf;fk;.
3. fhg;gPl;L ,ilj;jufh;fis ghJfhg;gNj fhg;gPlL
; xOq;F tpjpapd;
Kjd;ikahd Nehf;fk;
4. muir ghJfhg;gNj fhg;gPl;L xOq;Ftpjpapd; Kjd;ikahd Nehf;fk;
Nfs;tp 12
fPNo cs;s mwpf;ifapy; vJ rupahdjhf cs;sJ?
1. Kfth; cupkj;ij ,oe;J tpl;lhy;> ve;j efy; cupkKk; toq;fg;glhJ.
kw;nwhU efiy ngw> GJg;gpj;jy; fhyk; tiu Kfth; fhj;jpUf;f
Ntz;Lk;
2. Kfth; cupkj;ij ,oe;;J tpl;lhy;> gpwF mjpfhuk; ,ytrkhf xU efy;
chpkj;ij toq;fyhk;
3. Kfth; chpkj;ij ,oe;J tpl;lhy;> gpwF mjpfhuk; Kjy; jfty;
tof;if gjpT nra;J kw;Wk; 30 ehl;fs; fhj;jpUg;G fhyj;jpw;F gpwF
efy; cupkj;ij toq;fyhk;.
4. Kfth; cupkj;ij ,oe;J tpl;lhy;> gpwF &gha; Ik;gJ &gha;
fl;lzj;jpw;F mjpfhuk; xU efy; chpkj;ij toq;fyhk;.
mj;jpahak; 17
xU njhopyhf MAs; fhg;gPl;L Kfik
mj;jpaha mwpKfk;
Ke;ija mj;jpahaq;fspy; fhg;gl P ;bd; xOq;Ftpjpfs; cl;gl MAs; fhg;gb
P d;
gy;NtW mk;rq;fis gw;wp tpthjpf;fg;gl;lJ. ,e;j mj;jpahaj;jpy; xU
njhopyhf MAs; fhg;gPL Kfikia gw;wp tpthjpg;Nghk;. ehk; Kfik
njhopypd; njhopy; tha;g;Gf;fs;> xU Kftupd; gq;F kw;Wk; xU ey;y Kftupd;
Njitis guprPypg;Nghk;.
1. fhg;gPL Nrdy;fs;
2. MAs; fhg;gPlL
; Kfik njhopy;
3. Kfth;fspd; epakd> gap;w;rp kw;Wk; cupkk;
RUf;fk;
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fhg;gPL rl;lj;jpd;gb> xU Kfth; gpupT 42d; fPo; cupkk; mspf;fg;gl;l

kw;Wk; mq;ff P upf;fg;gl;l fhg;gPbd; tpw;gidahsh; kw;Wk; mth; fhg;gPlL
;
tzpfj;ij NfhUtjw;fhf> ngWtjw;fhf kw;Wk; th;j;jfj;ij
njhlh;tjw;fhf fkp\d; ngWfpwhh;.
jdpg;gl;l Kfikia jtpu> kw;w fhg;gL P Nrdy;fshf cs;sit:
fhh;gNul; (ngUtzpf) Kfik
 jufh;fs;
 tq;fp %yk; fhg;gPL tpw;gidfs; (Bancassurance)
 Neub tpw;gid
Kfik njhopypy;> cah;e;j tUtha; <l;Ltjw;fhd tha;g;Gfisj; jtpu>
fhg;gPl;L Kfth; jd;Dila gzpia ed;ndwpapd; gbAk;> njhopy;
newpAlDk; nra;jhy;> kpf mjpf gzp jpUg;jpiaAk; r%f kjpg;gpidAk;
ngw KbAk;.
xU fhg;gPl;L Kfth; my;yJ MNyhrfuhf tho;f;ifapy; ntw;wp ngw
gq;fspf;Fk; Fzq;fs; my;yJ gz;Gfspy; cs;sit:
 kdjpy; cs;s jP (Fire in the belly)
 Neh;kiwahd Ra-gbkk; (Positive self-image)
 kf;fSld; njhlh;G nfhs;Sk; kw;Wk; NgRk; jpwd;
xU ey;y tpw;gidg; gpuepjpaplk; gupT (empathy)> jd;Kidg;Gfs; (ego
drives) Mfpa ,U mbg;gilg; gz;Gfs; ,Uf;f Ntz;Lk;.
newpKiwaw;s elj;ijapd; ehd;F Kf;fpa gFjpfs; fhg;gPL Jiwapy;
milahsk; fhzg;gl;Ls;sd.
 jphpj;Jf;$Wjy;
 tpsf;f tiuglq;fs;
 khw;W kw;Wk;
 MNyhrid
IMHbV Kfth;fSf;fhd ed;dlj;ij kw;Wk; re;ij elj;ijf;F rpy
Nfhl;ghLfis gupe;Jiuj;Js;sJ.
IMHbV MAs; Kfth;fspd; epakdk;> gapw;rp kw;Wk; cupkj;jpw;F
xOq;FKiwfis mikj;Js;sJ.
nrg;lk;gh; 2012 ypUe;J midj;J MAs; fhg;gPl;L epWtdq;fspYk; xU
jukhd Kd;nkhopT gbtj;ij jdpg;gl;l ghypfSf;fhf Vw;fg;gLtJ
mkypy; te;Js;sJ. ,J [{d; 2012 ,y; IMh;bV ntspapl;l tiuT
ntspg;ghL topfhl;Ljy;fis mbg;gilahff; nfhz;Ls;sJ.
Kfik nray;ghL ,uz;L jdpj;Jtkhd nray;fis nfhz;Ls;sJ.
1. thbf;ifahsUld; xU cwit tsh;g;gJ - ,J ek;gfj;jd;ik
kw;Wk; ek;gpf;ifia Cf;Ftpf;fpwJ.
2. thbf;ifahsUf;F epGzj;Jtkpf;f epjp MNyhrid toq;Fjy; -
,J thbf;ifahsh; kpfTk; nghUj;jkhd Kiwapy; jd; fhg;gL
P
Njitfis g+h;j;jp nra;a cjTfpwJ.
1. $l;lhz;ik Kfik
2. tq;fp %yk; fhg;gPL tpw;gidfs; (Bancassurance)

3. epGzj;Jtk;
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4. ePbg;G jpwd;
Nfs;tp 1
xU fhg;gl
P ;L Kfth; nghJthf _______ ,d; gpujpepjpahf ,Uf;fpwhh;
1. thbf;ifahsh;
2. fhg;gPlL
; epWtdk;
3. muR
4. IMh;bV
Nfs;tp 2
Neub tpw;gidapy; fPOs;sjpy; vJ mlq;Fk;?
1. nlypkhh;fn; fl;bq;
2. fhg;gPl;L Kfth;fs;
3. tq;fp %yk; fhg;gPL tpw;gidfs; (Bancassurance)
4. NkYs;s midj;Jk;
Nfs;tp 3
“jq;fSf;F typjUk; fhaq;fis kw;wth;fSf;F Vw;gLj;j Ntz;lhk;”
ed;ndwpapd; ,e;j nghd;d tpjp ve;j kjj;jpd; Nghjidahf
nfhLf;fg;gl;Ls;sJ?
1. Gj;j Gjk;
2. fpwp];Jtk;
3. ,e;J kjk;
4. a+jk;
Nfs;tp 4
xU tpz;zg;gjhuh; Kjy; Kiwahf cupkk; NfhUk; NghJ> mth; / mts;
(mq;fPfupf;fg;gl;l epiyaj;jplkpUe;J) MAs; fhg;gPby; ___________ eilKiw
gapw;rpia vLj;Jf; nfhs;s Ntz;Lk;.
1. 25 kzp Neuq;fs;
2. 50 kzp Neuq;fs;
3. 75 kzp Neuq;fs;
4. 100 kzp Neuq;fs;
Nfs;tp 5
Kfth; toq;fg;gLk; cupkk; ________ nry;YgbahFk;.
1. xU Mz;L
2. ,U Mz;Lfs;
3. %d;W Mz;Lfs;
4. Ie;J Mz;Lfs;
Nfs;tp 6
Madurai-625001-Mob:9842317355,9629190291,9655564322
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,e;jpa xg;ge;j rl;l gpupT 182 gb ________ vd;gth; kw;nwhUtUf;fhf VjhtJ

nraiy nra;a my;yJ %d;whk; egiu ifahs;tjw;fhf kw;nwhUtiu
gpujpepjpj;Jtk; nra;Ak; xU egh;.
1. Kjd;ik mjpfhup
2. gjpyhs;
3. kj;jpa];jh
4. Kfth;
Nfs;tp 7
fhg;gPl;L jufh; ________ gpujpepjpj;Jtk; nra;fpwhh;.
1. fhg;gPL epWtdj;ij
2. fhg;gPL ngWgtiu
3. fhg;gPl;L epWtdq;fspd; rq;fj;ij
4. Vw;fdNt fhg;gL P vLj;j egh;fspd; r%fj;ij
Nfs;tp 8
fhg;gPL re;ij juq;fs; rq;fj;jpd; (Insurance Marketplace Standards

Association – IMSA) 2 – tJ Nfhl;ghil fPOs;sjpy; vJ gpujpgypf;fpwJ.
1. jpwikahd kw;Wk; thbf;ifahsiu ikakhf nfhz;l tpw;gid kw;Wk;
Nritia toq;FfpwJ.
2. nrayhw;wy; kpf;f kw;Wk; epahakhd Nghl;bapy; <LgLjy;
3. thbf;ifahsupd; Gfhh;fs; kw;Wk; rh;r;irfs; epahakhf kw;Wk; tpiuthf
ifahsg;gLtij toq;FtJ
4. epahakhd ed;newpkpf;f re;ij elj;ijapd; Nfhl;ghLfSf;F
,zf;fkhd
elj;ijapd; Nkw;ghh;it kw;Wk; Ma;Tf;fhf tbtikf;fg;gl;Ls;s xU
mikg;ig guhkhpg;gJ.
Nfs;tp 9
fyg;G $l;lhz;ik chpkj;ij GJg;gpf;f Kbtjw;F Kd;> tpz;zg;gjhuh;
mq;ffP upf;fg;gl;l xU epiyaj;jplkpUe;J __________ GJg;gpj;jy; gapw;rpia
Nkw;nfhs;s Ntz;Lk;.
1. 25 kzp Neuq;fs; 2. 50 kzp Neuq;fs;
3. 35 kzp Neuq;fs; 4. 75 kzp Neuq;fs;
Nfs;tp 10
IMh;bV ______ ,Ug;G ePbg;G jpwd; topfhl;ly;fis nray;gLj;j KbT
nra;Js;sJ.
1. [{iy 1> 2011 2. [{iy 1> 2012
3. [{iy 1> 2013 4. [{iy 1> 2014
Nfs;tp 11
fPNo cs;sjpy; ve;j mwpf;if jtwhdJ?
Madurai-625001-Mob:9842317355,9629190291,9655564322
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1. xU jdpg;gl;l fhg;gl P ;L Kfth; fhg;gPl;L epWtdj;ij xU gpujpepjp kw;Wk;

Kfth; Kjy;th; cwthy; gpizf;fg;gl;ls;shh;.
2. xU jdpg;gl;l fhg;gPl;L Kftupd; Kjd;ik cwT kw;Wk; nghWg;G fhg;gPL
thq;Fgtuplk; cs;sJ kw;Wk; fhg;gPlL ; epWtdj;jplk; my;y .
3. fhg;gPL ngw;wtiu gpujpepjpj;Jtk; nra;Ak; fhg;gl P ;L jufUf;F> nghJthf
gpuj;jpNafkhf xU fhg;gPL epWtdj;jpw;F kl;LNk Nrit nra;Ak; ve;j
xg;ge;j cld;ghLk; ,y;iy
4. jahupg;G jufh; thbf;ifahsupd; Fwpg;gpl;l NjitfSf;F nghUe;Jk;
rupahd jahupg;G kw;Wk; epWtdj;ij Njh;e;njLf;Fk; NghJ
thbf;ifahsupd; eyid gpujpepjpj;Jtk; nra;thnud;W
vjph;ghh;f;fg;gLfpwJ.
Nfs;tp 12
1964 y; `hh;th;L tzpf Ma;tpy; (Business review) xU ey;y tpw;gidia

gpujpepjpia Mf;FtJ vJ? vd;gJ gw;wpa xU Ma;Tf; fl;Liu ntspahdJ.
Mrpupah;fs; ,J mbg;gil gz;Gfis fz;lwpe;jdh;. xU ey;y
tpw;gidahsDf;F ,U mbg;gil gz;Gfs; Njit. me;j ,uz;L gz;Gfs;
vJthf cs;sd?
1. ghrk; kw;Wk; ntw;wp ngWk; Mh;tk;
2. nghWik kw;Wk; ce;Jjy;
3. gupT kw;Wk; jd; Kidg;G
4. tsh;gg; jw;fhd grp kw;Wk; Ra-ek;gpf;if
Nfs;tp 3
xU fhytiuapy;> “fhyj;jpd; ,Wjpap;y mkypYs;s kPjKs;s ghyprpfspd;
msT fhyj;jpd; Muk;gj;jpy; mkypy; cs;s nkhj;j ghyprpfspd; mstpy;
cs;s tpfpjkhf ___________ tiuaWf;fg;gl;Ls;sJ.
1. ePbf;Fj; jpwd;
2. epiyj;jd;ikAk;
3. rPuhdJ
4. ek;gfj;jd;ik
Madurai-625001-Mob:9842317355,9629190291,9655564322
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mj;jpahak; 18
MAs; fhg;gPL tpw;gid nray;Kiw
mj;jpaha mwpKfk;
,e;j mj;jpahak; tpw;gid nray;Kiw kw;Wk; mjd; gy;NtW epiyfis gw;wp
Gupaitf;fpwJ.
1. tpw;gid nray;Kiw
RUf;fk;
tpw;gid vd;fpw njhopy;> xU th;j;jf ghpth;j;jidia J}z;Lk;

tifapy; xU jahupg;igNah my;yJ Nritia thq;f itj;J kw;Wk;
mjd; %yk; gzj;ij rk;ghjpf;fpw xU nray;ghil Fwpf;fpwJ.
fhg;gPl;L Kfth;fs; vd;gth;fs; rKjha cWg;gpdh;fsplk; jhq;fs;

gpujpepjpj;Jtk; nra;Ak; fhg;gl
P ;L epWtdj;jpd; %yk; vOjg;gLk; fhg;gl
P ;L
xg;ge;jq;fis thq;FkhW J}z;Lk; tpw;gidahsh; Mth;.
tpw;gidf;fhd Neh;fhziyg; ngWk;gbahf ehk; mZff;$ba egh;fspd;

ngaiuj; jpul;Lk; nray;ghNl rhj;jpaq;fis Ma;T nra;jy; vdg;gLk;.
rhj;jpaq;fSf;fhd ,yf;F re;ijfspy; cs;sit:

 neUf;fkhd FO
 ,aw;ir re;ij
 nry;thf;F ikaq;fs;
 Fwpg;Giufs;> mwpKfq;fs; kw;Wk; ew;rhd;wpjo;fs;
gpw Nrit toq;Feh;fs;
fUj;juq;Ffs; kw;Wk; epfo;r;rpfis elj;Jjy; FO mbg;gilapy;

elj;jg;gLfpw njhop;y;Kiwkpf;f kw;Wk; jpwikkpf;f tpw;gid
KiwahFk;.
kpd;dQ;ry;> nra;jpkly;> jdpg;gl;l ,izajsk; my;yJ tiyg;g+> r%f

tiyj;jsq;fs; Kjypad kpfg; ngupa mstpy; rhj;jpakhdth;fis
mZFtjw;fhd xU vspa kw;Wk; topKiwfs; mlq;Fk;.
“jFjp ngw;w” rhj;jpakhdth;fs; vd;gth;fs;
 fhg;gPl;bw;fhf gzk; nrYj;jf;$bath;fSk;
 epWtdj;jpd; Vw;gspg;G Njitfspy; Njh;rpr ngw;wth;fSk;>
 fhg;gPl;L jpl;lq;fSs; xd;W my;yJ mjw;F Nkw;gl;ltw;iw
Njitahff; nfhz;lth;fSk;
Madurai-625001-Mob:9842317355,9629190291,9655564322
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 rhjfkhf tpjj;jpy; mZff;$bath;fSk; Mth;
rhj;jpakhdtUld; nra;ag;gLk; tpw;gid Neh;fhzypy;> Kfth; epug;g

Ntz;ba Njitfs; gw;wpa gFg;gha;it elj;j Ntz;Lk;.
epug;g Ntz;ba Njitfs; gw;wpa gFj;jha;tpd; NghJ ehk;

rhj;jpakhdtupd; fhg;gPl;Lj; Njitfs; gw;wpa tpupthd jfty;fis;r
Nrfupj;jy;> Nghjpa msT fhg;gPL Njitfs; nrhj;Jf;fs; kw;Wk; mghak;
Mfpatw;wi milahsk; fz;L jPh;khzpj;jy; Mfpa nray;Kiwapy;
<LgLfpNwhk;.
ntw;wpfukhd tpw;gid Neh;fhziy Kbj;Jk;> Kfth; rhj;jpakhdtupd;

Njitfspd; mbg;gilapy; mth;fSf;fhd jFe;j fhg;gL
P fis
tbtikj;J kw;Wk; jPh;it gupe;Jiu nra;a Ntz;Lk;.
Kfth; Ml;Nrgizfis ifahs LAPAC (Listen, Acknowledge, Probe,

Answer and Confirm) vdg;gLk; Kiwia gad;gLj;jyhk; mjhtJ
Nfl;fTk;> mq;fPfupf;fTk;> tprhupf;fTk;> gjpyspf;fTk; kw;Wk; cWjp
nra;aTk;.
Kbj;jy; vd;gJ rhj;jpakhdtiu ,g;nghOJ thq;FkhW ,zq;fr;

nra;fpw nray;KiwahFk;. Kbf;Fk; NghJ Kfth; ‘kiwKf xg;Gjy;’
my;yJ khw;W jpl;lq;fis rhj;jpakhdth;fSf;F Kfth; toq;fyhk;.
tpw;gid Kbe;jJNk> Kfth; xU tpw;gid gpd;njhlh;it nra;J kw;Wk;

ghyprpia tpepNahfpf;f Ntz;Lk;.
Kftiug; nghWj;jtiu Nrit vd;gJ tpw;gidr; Row;rpapd;

xUq;fpize;j mq;fkhFk;. Nritf;fhd nghWg;Ngw;wypy; ,d;wpaikahj
xd;W. ekJ thbf;fiahsh;fSld; njhlh;ig guhkhpg;gjw;fhd
fl;likf;fg;gl;l xU jpl;lk; MFk;.
1. tpw;gid xU njhopyhf
2. tpw;gid nray;Kiw
3. rhj;jpaq;fis Ma;T nra;y;
4. ,aw;ifahd re;ij
5. nry;thf;F ikaq;fs;
6. Fwpg;Giu
7. rhd;wpjo;fs;
8. jFjpngw;w rhj;jpakhdth;fs;
9. epug;g Ntz;ba Njitfs;
10. LAPAC (Nfl;fTk;> mq;ff
P upf;fTk;> tprhupf;fTk;> gjpyspf;fTk; kw;Wk;
cWjp nra;aTk;
11. Kbj;jy;
Madurai-625001-Mob:9842317355,9629190291,9655564322
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12. kiwKf xg;Gjy;

Nfs;tp 1
ntw;wpfukhd Kbj;jy; rhj;jpakhdtiu _______ nrhy;yitf;f cjTjpy;
cs;sJ.
1. ,y;iy
2. vdf;F njupahJ
3. rup
4. xUNtis
Nfs;tp 2
gpd;tUtdtw;wpy; vJ tpw;gid nray;Kiwapd; gFjpahf ,y;iy?
1. rhj;jpaq;fis Ma;T nra;jy;
2. tpw;gid Neh;fhzy;
3. ,og;G kjpg;gPL
4. Kbj;jy;
Nfs;tp 3
xU fhg;gl
P ;L tpw;gidapy; rhj;jpaq;fis Ma;T nra;jy; ________ MfpwJ.
1. fhg;gPby; Mh;tKs;s egh;fis ngah;fis Nrfhpj;jy;
2. efuj;jpy; cs;s midj;J egh;fspd; gl;baiyAk; jahupg;gJ
3. fpis mYtyfj;jpy; midj;J ghyprpjhuh;fisAk; gl;baypLtJ
4. mf;fk;gf;fj;jpy; midj;J Kfth;fspd; gl;baiyAk; jahupg;gJ
Nfs;tp 4
fhg;gPby; Njit epug;gy; gFg;gha;T ________ <LgLj;JfpwJ
1. rhj;jpakhdtUf;F fhg;gLP ghJfhg;G Njitg;gl;l gFjpfis milahsk;
fhz;gJ
2. fhg;gPl;L Kfth;fshf Ntiy nra;a kf;fis milahsk; fhz;gJ
3. xU rhj;jpakhdtUf;F vt;tsT nrhj;Jf;fs; cs;sd vd;gij
milask; fhz;gJ.
4. rhj;jpakhdtupd; tWik epiyia milahsk; fhz;gJ
Nfs;tp 5
Fsph; miog;G ________ MfpwJ
1. Fsph;fhyj;jpy; thbf;ifahsh;fis re;jpg;gJ
2. rdpahy; ghjpf;fg;gLk; NghJ thbf;ifahsh;fis re;jpg;gJ
3. Kd; mwptpf;fhky; kf;fis re;jpg;gJ
4. jP mide;j gpwF thbf;ifahsiu re;jpg;gJ
Nfs;tp 6
__________ vd;fpw njhopy;> xU th;j;jf> gupth;j;jidia J}z;Lk; tifapy; xU
jahupg;igNah my;yJ Nritia thq;f itj;J kw;Wk; mjd; %yk; gzj;ij
rk;ghjpf;fpw xU nray;ghl;il Fwpf;fpwJ.
1. re;ijg;gLj;Jjy;
2. tpw;gid
3. tpsk;guk;
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4. gjtp cah;T
Nfs;tp 7
fPNo cs;s mwpf;ifapy; vJ rupahdJ?
1. MAs; fhg;gPL tpw;fg;gLfpwJ> thq;fg;gLtjpy;iy
2. MAs; fhg;gPL thq;fg;gLfpwJ> tpw;fg;gLtjpy;iy
3. MAs; fhg;giP l thq;FJkpy;iy my;yJ tpw;gJkpy;iy> mJ xU Njit
,Uf;fpwJ> vdNt xt;nthU jdpg;gl;ltUk; ,ij thq;f Ntz;Lk;.
4. NkYs;s vJTKy;iy
Nfs;tp 8
fPNo cs;s mwpf;ifapy; vJ rupahdJ?
1. tpw;gid xU fiy kw;Wk; xU mwptpay; ,y;iy
2. tpw;gid xU mwptpay; kw;Wk; xU fiyapy;iy
3. tpw;gid xU mwptpaYkpy;iy kw;Wk; xU fiyAkpy;iy
4. tpw;gid vd;gJ xU fiy kw;Wk; mwptpay; MFk;
Nfs;tp 9
xU rhjp; my;yJ r%f rq;fj;jpd; cWg;gpdh;fs; mZFtij> fhg;gL P tpw;gid
rhj;jpaq;fis Ma;T nra;jypd; ve;j gpuptpd; kPJ tifg;gLj;jKbAk;?
1. neUf;fkhd FO
2. ,aw;if re;ij
3. nry;thf;F ikaq;fs;
4. Fwpg;Giufs; kw;Wk; mwpKfq;fs;
Nfs;tp 10
xU ‘jFjp ngw;w’ rhj;jpakhdtiu Fwpj;j jtwhd mwpf;ifia milahsk;
fhzTk;.
1. xU jFjpngw;w rhj;jpakhdth; fhg;gPl;bw;fhf gzk; fl;l Kbgtuhf
,Uf;fpwhh;.
2. xU jFjp ngw;w rhj;jpakhdtiu xu rhjfkhd mbg;gilapy; mZf
KbAk;
3. xU jFjpngw;w rhj;jpakhdtiu fhg;gL P fy;tpapy; ey;y jFjp
ngw;wtuhf ,Uf;fpwhh;.
4. xU jFjpngw;w rhj;jpakhdth; epWtdj;jpd; Vw;gspg;G Njitfspy; jFjp
ngwNtz;Lk;.
Nfs;tp 11
fPNo cs;s mwpf;ifapy; vJ xU “rhd;wpjio” rpwe;j Kiwapy; tpthpf;fpwJ?
1. xU jpUg;jpahd thbf;fiahsuplk; ,Ue;J ngWk; Fwpg;Giu
2. xU jug;gLj;jy; Nrhjidapy; xU jahupg;gpd; Nrhjid KbT
3. xU jahupg;G Njh;r;rp ngwNtz;ba Nrhjidfs; gl;bay;
4. xU jahupg;ig Nrhjpf;f Njitahd gzk;
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mj;jpahak; 19
thbf;ifahsh; Nrit
mj;jpaha mwpKfk;
,e;j mj;jpahaj;jpy; thbf;ifahsh; Nritapd; Kf;fpaj;Jtk; gw;wp ePq;fs;
fw;ghP ;fs;. thbf;ifahsUf;F Nrit toq;Ftjpy; Kfth;fspd; gq;F Fwpj;J
ePq;fs; fw;ghP ;fs;. thbf;ifahsUld; vt;thW ePq;fs; njhlh;G nfhs;tJ kw;Wk;
jfty; njuptpg;gJ vd;gJ gw;wp ePq;fs; fw;gPh;fs;.
1. thbf;ifahsh; Nritapd; Kf;fpaj;Jtk;
2. thbf;ifahsUf;F Nrit toq;Ftjpy; Kfth;fspd; gq;F
3. jfty; njhlh;G jpwd;fs
RUf;fk;
kw;w Jiwfis tpl fhg;glP ;Lj; Jiwapy; thbf;ifahsh; Nrit kw;Wk;

cwTfspd; gq;F vd;gJ kpf Kf;fpakhdjhf cs;sJ.
Nritj; juj;jpy; ed;F mwpag;gl;l khjpup (“SERVQUAL” vdg;gLtJ
rpy EioGyq;fis ekf;F toq;Fk; mJ Nritj; juj;jpd; Ie;J
Kf;fpakhd Fwpfhl;bfis rpwg;gpj;Jf; $Wfpd;wJ.
 ek;gfj;jd;ik>
 cldbahf nray;gLjy;
 cWjp
 gupT kw;Wk;
 njhl;L czuf;$baitfs;
MAs; fhg;gL P Jiwapy; Kd;dzpapy; cs;s tpw;gidahsh;fspd;

ntw;wpapd; ,ufrpak;> mth;fSila thbf;ifahsh;fSf;F Nrit
Guptjpy; cs;s mh;g;gzpg;G vd;gjhFk;.
thbf;ifahsh; tho;ehs; kjpg;G vd;gJ ePz;l fhy mbg;gilapy;

thbf;ifahsUld; xU tYthd cwit cUthf;FtjpypUe;J
ngwg;gLk; nghUshjhu gyd;fspd; $l;ly; MFk;.
fhg;gPl;L Kfth; vd;gth; jdpg;gl;l epjp jpl;lkpLgth; kw;Wk; MNyhrfh;>

fhg;gPl;L Vw;ghsh;> jdpg;gadhf;fg;gl;l jPh;Tfspd; tbtikg;ghsh; kw;Wk;
ek;gpf;if kw;Wk; ek;gpf;if kw;Wk; ePz;lfhyk; cwTfis cUthf;Fk;
cwTKiw cUthf;Fgth; vd;w ,e;j midj;Jj; jpwd;fisAk; xUq;Nf
nfhz;ltuhf ,Uf;f Ntz;Lk;.
Madurai-625001-Mob:9842317355,9629190291,9655564322
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<Lf;Nfhuy; jPh;it rkaj;jpy; Kfthpd; gq;F Kf;fpakhdjhf cs;sJ.

<Lf;NfhuYf;fhd epfo;T Fwpj;J cldbahf fhg;gl P ;L epWtdj;jpw;Fj;
njuptpg;gijAk;> kw;Wk; <Lf;Nfhuy; tprhuizia Ntfkhf nra;J
Kbf;f Njitahd midj;Jr; nray;KiwfspYk; mth; cjt Ntz;Lk;.
nkd; jpwd;fs; vd;git gzpaplj;jpYk; ntspaplj;jpYk; ,ju

Copah;fSlDk; thbf;ifahsh;fSlDk; jpwk;gl njhlh;G
nfhs;tjw;fhd xUtUila jpwDld; njhlh;GilajhFk;.
ek;gpf;ifia Nkk;gLj;Jk; $Wfs;

 fth;jy;
 Kd;dpiy tfpg;gJ
 jfty; njhlh;G
jfty; njhlh;ig gy tiffspy; nra;a KbAk;

 tha;top
 vOj;Jtop
 nrhy;ypy;yh kw;Wk;
 clyirTfisg; gad;gLj;jp
Kfth; thbf;ifahsh; kPJ ey;y Kjy; mgpg;gpuhaj;ij cUthf;f

Kbfpd;w elj;ijfs;:
 vg;nghOJk; rupahd Neuj;Jf;Fr; nry;yTk;
 vg;gTNk jd;id nghUj;jkhd Kiwapy; fhz;gpf;fTk;
 A tuNtw;fj;jf;f> ek;gpf;ifahd kw;Wk; ntw;wp juf;$ba
Gd;dif.
 ntspg;gilahdtuhf> ek;gpf;ifAs;stuhf kw;Wk; Neh;kiwahd
vz;zk; nfhz;ltuhf ,Ug;gJ.
 kw;wth;fsplk; cz;ikAld; Mh;tkhf ,Uj;jy;
nray;jpwd;kpf;f Nfl;lypy; cs;sit:

 ftdkhf Nfl;gJ>
 ePq;fs; Nfl;Lf;nfhz;bUf;fpwPh;fs; vd;gij tpsf;Fjy;
 gpd;D}l;lj;ij toq;fTk;
 Kd;$l;bNa jPh;khdpf;ff;$lhJ
 nghUj;jkhd gjpyspj;jy;
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1. thbf;fiahsh; Nrit
2. Nrit juk;
3. SERVQUAL
4. thbf;ifahsh; tho;ehs; kjpg;G
5. nkd; jpwd;fs;
6. jfty; njhlh;G
7. clyirTfs;
8. nray;jpwd;kpf;f Nfl;ly;
9. ghpTld; Nfl;ly;
Nfs;tp 1
___________ xU cWjpahd njhl;L czuf;$ba nghUs;
1. khspif
2. fhg;gPL
3. nkhigy; njhiyNgrp
4. [Pd;]; xU N[hb
Nfs;tp 2
___________ Nrit juj;jpd; Fwpfhl;b ,y;iy
1. Gj;jprhypj;jdk;
2. ek;gj;jd;ik
3. ghpT
4. nray;gLjy;
Nfs;tp 3
thbf;ifahsh; cwtpy; Kjy; Njhw;wj;ij cUthf;FtJ
1. ek;gpf;ifahf ,Ug;gJ
2. rupahd Neuj;jpy; tUtJ
3. Mh;tk; fhl;LtJ
4. Neuj;jpy; tUtJ> Mh;tk; fhl;LtJ kw;Wk; ek;gpf;ifahf ,Ug;gJ
Nfs;tp 4
rupahd mwpf;ifia Njh;e;njLf;fTk;
1. fhg;gPL tpw;Fk; NghJ ed;ndwp elj;ij rhj;jpakw;wJ
2. ed;newp elj;ij fhg;gLP Kfth;fSf;F mtrpak; ,y;iy
3. ed;ndwp elj;ij Kfth; kw;Wk; fhg;gPlL ; ,ilNa ek;gpf;if tsu
cjTfpwJ
4. ed;ndwp elj;ij cah; eph;thfpfshy; kl;LNk vjph;ghh;f;fg;gLfpwJ.
Madurai-625001-Mob:9842317355,9629190291,9655564322
71
Nfs;tp 5
ftdk; nrYj;jp Nfl;gjpy; mlq;FtJ
1. NgRgth; $Wtijf; ftdkhf Nfl;gJ
2. mt;tg;NghJ jiyahl;LtJ kw;Wk; Gd;difg;gJ
3. fUj;Jf;fis toq;Fjy;
4. NgRgth; $Wtijf; ftdkhf Nfl;gJ> mt;tg;NghJ jiyahl;LtJ
kw;Wk; Gd;difg;gLJ kw;Wk; fUj;Jf;fis toq;Fjy;
Nfs;tp 6
__________ thf;fspf;fg;gl;l Nritia ek;Gfpw khjpup kw;Wk; Jy;ypakhf
nra;ag;gLtij Fwpf;fpwJ.
1. ek;gfj;jd;ik
2. cldbahf nray;gLjy;
3. cWjp
4. gupT
Nfs;tp 7
____________ vd;git gzpaplj;jpYk; ntspaplj;jpYk; ,ju Copah;fSlDk;
thbf;ifahsh;fSlDk; jpwk;gl njhlh;G nfhs;tjw;fhd xUtUila jpwDld;
njhlh;GilajhFk;.
1. td; jpwd;fs; (Hard skills)

2. nkd; jpwd;fs;
3. Ngr;Rthh;j;ij jpwd;fs;
4. Nfs;tp Nfl;Fk; jpwd;fs;
Nfs;tp 8
fPLs;sjpy; ve;j $Wfs; ek;gpf;ifia Cf;Ftpf;fpwJ?
1. jfty; njhlh;G> cWjpahf $WtJ kw;Wk; Kd;dpiy tfpg;gJ
2. kupahij> cWjpg;ghL kw;Wk; jfty; njhlh;G
3. fth;jy;> jfty; njhlh;G kw;Wk; Kd;dpiy tfpg;gJ
4. xg;Gjy;> cWjpahf $WtJ kw;Wk; fth;js;
Nfs;tp 9
gpd;tUtjpy; Kfth; thbf;ifahsh; kPJ ey;y Kjy; mgpg;gpuhaj;ij cUthf;f
gaDs;sjhf ,Ug;git:
1. vg;nghOJk; rupahd Neuj;Jf;Fr; nry;tJ
2. vg;gTNk jd;id nghUj;jkhd Kiwapy; fhz;gpg;gJ
3. ntspg;gilahdtuhf> ek;gpf;ifAs;stuhf kw;Wk; Neu;kiwahf ,Ug;gJ
4. NkYs;s midj;Jk;
Madurai-625001-Mob:9842317355,9629190291,9655564322
72
Nfs;tp 10
_______ mf;fiwAs;s gz;G kw;Wk; thbf;ifahsh;fSf;F toq;fg;gLk; jdpg;gl;l
ftdj;ijAk; gpujpgyp;f;fpwJ.
1. cWjp
2. gupT
3. ek;gfj;jd;ik
4. gjpy
Nfs;tp 11
thbf;ifahsh; tho;ehs; kjpg;G vd;gJ vd;d?
1. thbf;ifahsupd; tho;ehs; KOtJk; Nrit nra;tjd; %yk; Vw;gLk;
nryTfspd; $l;ly;
2. cUthf;fg;gLk; tzpfj;jpd; mbg;gilapy; thbf;ifahsUf;Ff;
nfhLf;fg;gLk; juk;
3. thbf;ifahsUld; ePz;l fhy; cwit cUthf;Ftjd; %yk; ngwg;gLk;
nghUshjhu gyd;fspd; $Ljy;
4. thbf;ifahsUf;Fg; gupe;Jiuf;ff;$ba mjpfgl;l fhg;gPL.
Nfs;tp 12
xU thbf;ifahsh; kdjpy;> fhg;gPL epWtdj;jpd; xt;nthU Nrit Njhy;tp
rkaj;jpYk; ,uz;L tifahd czh;TfSk; njhlh;Gila kd;ntOr;rpfSk;
cs;sd. me;j czh;Tfshf cs;sit
1. Fog;gk; kw;Wk; gr;rhj;jhgk;
2. Neh;ikapd;ik kw;Wk; gopthq;Fk; czh;T
3. mwpahik kw;Wk; mDjhgk;
4. Neh;ikapd;ik kw;Wk; jd;Kidg;G ghjpf;fg;gl;l czh;T
Nfs;rp 13
gpd;tUtdtw;wpy; vJ nray;jpwd;kpf;f Nfl;lypd; xU $W my;y?
1. rpwe;j ftdk; nrYj;Jjy;
2. kpf mjpfkhf Kd;$l;bNa jPh;khdpg;gtuhf ,Uj;jy;
3. gupTld; Nfl;gJ
4. nghUj;jkhf gjpyspj;jy;
Madurai-625001-Mob:9842317355,9629190291,9655564322
73
mj;jpahak; 20
Fiw jPh;f;Fk; El;gk;
mj;jpaha mwpKfk;
thbf;ifahsh;fspd; vjph;ghh;g;Gfs; njhlh;e;J cah;fpd;w kw;Wk; toq;fg;gLk;
Nrit juj;jpy; mjpUg;jp vg;NghJNk ,d;iwa #Oypy;> fhg;gPlL ; Jiw
mbg;gilapy; xU Nrit JiwahfNt cs;sJ. mq;F njhlh;r;rpahd jahupg;G
fz;Lgpbg;G kw;Wk; etPd njhopy;El;gj;jpd; cjtpAld; thbf;ifahsh; Nrit
juj;jpy; Fwpg;gplj;jf;f Kd;Ndw;wk; te;j NghjpYk;> thbf;ifahsh; mjpUg;jp
kw;Wk; jho;thd gpujpgypg;G %yk; ,J Nkhrkhf ghjpf;fg;gLfpwJ. ,e;j
epiyikia czh;;e;j muR kw;Wk; xOq;Faikg;ghsh; gy Kaw;rpfis
vLj;Js;sdh;.
IMh;bV xOq;Ftpjpfspy; xU fhg;gPl;L epWtdk; Efh;NthUf;F toq;f
Ntz;ba gy;NtW Nritfspy; “kPs;tU (lh;d; muTz;l;) Neuq;fs;” (TAT)
typAWj;jg;gl;Ls;sd. ,J IMH;bV – tpd; (ghyprpjhuh;fspd; eyd;fis
ghJfhf;Fk; xOq;Ftpjpfs;) 2002 - ,d; gFjpahf cs;sJ. fhg;gPlL ;
epWtdq;fs; gaDs;s Fiw jPh;f;Fk; El;gq;fis nfhz;bUf;f Ntz;Lk;
kw;Wk; IMh;bV mjw;fhd topfhl;Ljy;fisAk; Vw;gLj;jpAs;sJ.
1. Fiw jPh;f;Fk; El;gk; - Efh;Nthh; ePjpkd;wq;fs; FiwjPh; mjpfhup
(Ombudsman)
RUf;fk;
FiwjPh;f;Fk; Nkyhz;ik mikg;G (IGMS) IMh;bV – thy;

njhlq;fg;gl;ls;sJ. mJ fhg;gl
P ;Lf; FiwjPh; jftypd; ikaf;
fsQ;rpakhfTk;> JiwapYs;s FiwjPh;g;G Kiwfis fz;fhzpg;gjw;fhd
xU fUtpahfTk; nray;gLfpwJ.
“Efh;Nthh; tof;F FiwjPh;j;jy; Kfikfs;” xt;nthU khtl;lj;jpYk;>
xt;nthU khepyj;jpYk; kw;Wk; Njrpa mstpYk; Vw;gLj;jg;gl;Ls;sd.
fhg;gPl;L tzpfj;ijg; nghWj;jtiu> ngUk;ghyhd Efh;Nthh; Gfhh;fs;-

<Lf;Nfhuy; jPu;Tfspy; Vw;gLk; jhkjk;> <Lf;Nfhuy;fs; jPh;f;fg;glhik>
<Lf;Nfhuy;fs; js;Sgb nra;ag;gLjy;> ,og;G msT> ghyprp
tpjpKiwfs;> epge;jidfs; Nghd;wtw;wpd; fPo; tUfpd;wd.
fhg;gPL ngw;wtUf;Fk; fhg;gPL mspg;gtUf;Fk; ,ilNaahd gu];gu

xg;ge;jj;jpd; %yk;> Fwpg;gplg;gl;l tpjpKiwfSf;Fs; fhg;gl
P ;L FiwjPh;
mjpfhup xU kj;jpa];juhfTk; MNyhrfuhfTk; nray;gLfpwhh;.
kj;jpa];jk; %ykhf gpur;rpid jPh;f;fg;glhtpl;lhy;> epahakhdjhfTk;>

fhg;gPL ngw;wtupd; ,og;ig <L nra;aj; Njitahdij tpl mjpfkhf
,y;yhkypUg;gjhfTk; fUjf;$ba xU jPh;gg ; pid fhg;gLP FiwjPh;
mjpfhup toq;Fthh;.
Madurai-625001-Mob:9842317355,9629190291,9655564322
74
1. FiwjPh; Nkyhz;ik mikg;G (IGMS)

2. Efh;Nghh; ghJfhg;Gr; rl;lk;> 1986
3. khtl;l Mizak;
4. khepy Mizak;
5. Njrpa Mizak;
6. fhg;gPL FiwjPh; mjpfhhp
Nfs;tp 1
IGMS vd;gij tpupthf;fTk;

1. fhg;gPL nghJ Nkyhz;ik mikg;G
2. ,e;jpa nghJ Nkyhz;ik mikg;G
3. FiwjPh; Nkyhz;ik mikg;G (IGMS)
4. Ez;zwpTs;s FiwjPh; Nkyhz;ik mikg;G
Nfs;tp 2
fPOs;sjpy; ve;j Efh;Nthh; FiwjPh; Kfik 20 ,yl;rk; &gha;fs; kw;Wk; 100
,yl;rk; &gha;f;F ,ilNa cs;s Efh;Nthh; Gfhh;fis ifahs;fpwJ?
1. khtl;l Mizak;
2. khepy Mizak;
3. Njrpa Mizak;
4. [py;yh ghp\j;
Nfs;tp 3
gpd;tUtjpy; vJ xU nry;YgbahFk; GfhUf;fhd mbg;gilahf ,Uf;f
KbahJ?
1. filf;fhuh; xU nghUSf;F MRP mjhtJ mjpfgl;r rpy;yiw tpw;gid
tpiyia tpl mjpfkhd tpiyia t#ypf;fpwhh;.
2. filf;fhuh; xU gpuptpy; rpwe;j jahupg;ig gw;wp thbf;ifahsUf;F
MNyhrid $whky; ,Ug;gJ
3. xU kUe;J ghl;bypy; myh;[p vr;rhpf;if toq;fg;gl;lJ
4. FiwghLs;s nghUl;fs;
Nfs;tp 4
xU thbf;ifahsUf;F fhg;gL P ghyprp njhlh;ghd xU Gfhiu jhf;fy; nra;a
fPNo cs;sjpy; vJ kpfTk; nghUj;jkhd Njh;thf cs;sJ?
1. NghyP];
2. cr;r ePjpkd;wk;
3. fhg;gPL FiwjPh; mjpfhup
4. khtl;l ePjpkd;wk;
Madurai-625001-Mob:9842317355,9629190291,9655564322
75
Nfs;tp 5
fPNo cs;s mwpf;ifapy; vJ fhg;gL
P FiwjPh; mjpfhhpapd; gpuhe;jpa mjpfhu
vy;iy Fwpj;J rhpahdjhf cs;sJ?
1. fhg;gPL FiwjPh; mjpfhhpf;F Njrpa mstpy; mjpfhu vy;iy cs;sJ
2. fhg;gPL FiwjPh; mjpfhhpf;F khepy mstpy; mjpfhu vy;iy cs;sJ
3. fhg;gPL FiwjPh; mjpfhhpf;F khtl;l mstpy; mjpfhu vy;iy cs;sJ
4. fhg;gPL FiwjPh; mjpfhhpf;F Fwpg;gpl;l khtl;l tuk;Gfs; tiu kl;LNk
mjpfhiu vy;iy cs;sJ.
Nfs;tp 6
fhg;gPL FiwjPh; mjpfhupaplk; GfhupLtJ vg;gb njhlq;fg;gl;lJ?
1. Gfhiu vOj;J%yk; njuptpf;f Ntz;Lk;
2. Gfhh; njhiyNgrp topahf nra;ag;gl Ntz;Lk;
3. Gfhh; tha;topahf my;yJ NeUf;F Neh; nra;ag;gl Ntz;Lk;
4. Gfhh; nra;jpj;jhs; tpsk;guk; %yk; nra;ag;gl Ntz;Lk;
Nfs;tp 7
xU fhg;gL
P FiwjPh; mjpfhupia mZFtjw;fhf cs;s Neu tuk;G vd;d?
1. fhg;gPl;L epWtdk; %yk; Gfhh; epuhfupf;fg;gl;l ,uz;L Mz;LfSf;Fs;
2. fhg;gPl;L epWtdk; %yk; Gfhh; epuhfupf;fg;gl;l %d;W Mz;LfSf;Fs;
3. fhg;gPlL; epWtdk; %yk; Gfhh; epuhfupf;fg;gl;l Xuhz;bw;Fs;
4. fhg;gPl;L epWtdk; %yk; Gfhh; epuhfupf;fg;gl;l xU khjj;jpw;Fs;
Nfs;tp 8
fhg;gPl;L FiwjPh; mjpfhhpaplk; Gfhiu njhlq;Ftjw;fhd Kd;epge;jidahf
gpd;tUtjpy; vJ ,y;iy?
1. Gfhh; xU jdpg;gl;l Kiwapy; fhg;gb P w;fhf xU jdpg;gl;lth; %yk;
nra;ag;gl Ntz;Lk;
2. fhg;gPL epWtdk; Gfhiu epuhfupj;j NjjpapypUe;J 1 Mz;Lf;Fs; Gfhiu
jhf;fy; nra;a Ntz;Lk;
3. fhg;gPL FiwjPh; mjpfhhpia mZFk; Kd; xU Efh;Nthh; kd;wj;ij
mZf Ntz;Lk;
4. nkhj;j epthuzkhf Nfhug;gLk; njhif &.20 yl;rj;jpw;Fs; ,Uf;f
Ntz;Lk;.
Nfs;tp 9
fhg;gPL FiwjPh; mjpfhupaplk; Gfhuspg;gjw;fhf nrYj;jg;gl Ntz;ba fl;lzk;
tpiyahf cs;sJ?
1. &.100 fl;lzk; nrYj;j Ntz;Lk;
2. ve;j fl;lzk; my;yJ tpiyiaAk; nrYj;j Njitapy;iy
3. epthuzkhf Nfhug;gl;ljpy; 20% I fl;lzkhf nrYj;j Ntz;Lk;
4. epthuzkhf Nfhug;gl;ljpy; 10% I fl;lzkhf nrYj;j Ntz;Lk;
Madurai-625001-Mob:9842317355,9629190291,9655564322
76
Nfs;tp 10
xU jdpahh; fhg;gPlL
; epWtdj;jpw;F vjpuhf Gfhuspf;f KbAkh?
1. nghJ fhg;gPlL
; epWtdq;fSf;F vjpuhf kl;Lk; Gfhuspf;f KbAk;
2. Mk;> jdpahh; fhg;gPl;L epWtdq;fSf;F vjpuhf Gfhuspf;f KbAk;
3. MAs; Jiwapy; kl;LNk jdpahh; fhg;gl P ;L epWtdq;fSf;F vjpuhf
Gfhuspf;f KbAk;
4. MAspy;yhj Jiwapy; kl;LNk jdpahh; fhg;gl P ;L epWtdq;fSf;F vjpuhf
Gfhuspf;f KbAk;
Nfs;tp 11
__________ -w;F &.20 ,yl;rk; &gha; tiu kl;LNK nghUl;fs; my;yJ Nritfs;
kw;Wk; Nfhug;gLk; ,og;gPL cs;s Gfhh;fis kl;LNk Vw;Wf; nfhs;fpd;w
mjpfhuk; cs;sJ.
1. khtl;l Mizak;
2. khepy Mizak;
3. [py;yh gup\j;
4. Njrpa Mizak;
Madurai-625001-Mob:9842317355,9629190291,9655564322
77
,izg;G
jw;NghJ ,e;jpahtpy; nray;gLk; MAs; fhg;gPL epWtdq;fspd; gl;bay;
1. g[h[; miyad;]; iy/g; ,d;#ud;];
2. gph;yh rd; iy/g; ,d;#ud;];
3. n`r;bvg;rp ];lhz;lh;l; iy/g; ,d;#ud;];
4. IrpIrpI GUnld;rpay; iy/g; ,d;#ud;];
5. Ivd;[p it];ah iy/g; ,d;#ud;];
6. iy/g; ,d;#ud;]; fhh;gNu\d; M/g; ,e;jpah\
7. Nkf;]; iy/g; ,d;#ud;];
8. gpvd;gp nkl;iy/g; ,e;jpah ,d;#ud;];
9. Nfhlf; k`pe;jpuh Xy;l; kpa+r;ty; iy/g; ,d;#ud;];
10. v];.gp.I. iy/g; ,d;#ud;];
11. lhlh VIV iy/g; ,d;#ud;];
12. upiyad;]; iy/g; ,d;#ud;];
13. mtpth iy/g; ,d;#ud;];
14. r`huh ,e;jpah iy/g; ,d;#ud;];
15. =uhk; iy/g; ,d;#ud;];
16. ghujp Mf;rh iy/g; ,d;#ud;];
17. /g;a+r;rh; n[duy;yp ,e;jpah iy/g; ,d;#ud;];
18. IbgpI ngluy; iy/g; ,d;#ud;];
19. fduh vr;v];gprp Xhpaz;ly; Ngq;f; M/g; fhkh;]; iy/g; ,d;#ud;];
20. Vfhd; nuypNfh; iy/g; ,d;#ud;];
21. bvy;vg; gpunkhpfh iy/g; ,d;#ud;];
22. ];lhh; a+dpad; il-r;rp iy/g; ,d;#ud;];
23. ,e;jpah /gh];l; iy/g; ,d;#ud;];
24. vly;it]; NlhfpNah MAs; ,d;#ud;];
Madurai-625001-Mob:9842317355,9629190291,9655564322
78
EXAM CENTRES:
Salem : NSE.IT LTD 1st Floor, SLS Towers, No. 68, Cherry Road, Hasthampatty,
Salem -636007 LAND MARK : Nearby to Vasantham Super Market & Above Star
Union Dai Chi Life insurance.
Thiruvannamalai : NSEIT Limited Thiruvannamalai 15B, 1st Floor, RRTower,
Polur Road,Thiruvannamalai - 606601. Tamilnadu Landmark: Next to Axis Bank
Tirunelveli :NSEIT Limited Tirunelveli NSE.IT Tirunelveli BALAN COMPLEX,
Second floor, No.5,6 Managavalan Pillai Hospital Street, Palayamkottai,
Tirunelveli – 627002 Bus Stop : Palaymkottai Market, Opp to Jawahar Grounds
Vellore :NSEIT Limited Vellore No.104 Sree Grand Lingam Residency
Building(First Floor) Arni Main Road, Sankaran Palayam, Vellore -632001
Landmark: Near Jaya MuruganTheatre
Krishnagiri :NSEIT Limited Krishnagiri 1st Floor, Abhi Towers, Commercial
Street, BangaloreHigh Road, Krishnagiri - 635001 Tamilnadu Land Mark: Opp Old
SP Office
Thanjavur: NSEIT Limited Thanjavur No.2977 / 1, Elanga Complex (I FLOOR),
Court Road,Diwan Nagar, Thanjavur - 613001 Landmark : Near Court /
Advocates Officers Lane
Trichy : NSEIT Limited Trichy No. 6/1, 2nd Floor, Thangam Towers, Karur Bye
Pass Road,Trichy-620002 Tamil Nadu. Landmark: Opposite to Kalaingar
Arivalyam
MADURAI:-NSEIT - Madurai - Door No. 2-1, 1st Floor, New Natham

Road, Thiruppalai, Madurai- 625014. Land Mark: Tiruppalai Mandabam
Bus Stop: Near Visalakshi Kalyana Mahal.
Chennai :NSEIT Limited Chennai KAVERI COMPLEX (Ground Floor) No.96-

104,Nungambakkam High Road Opp to Sterlng Road Bus Stop Nungambakkam
Chennai - 600034Tamil Nadu
Coimbatore: NSEIT Limited Coimbatore NSEIT Coimbatore Office No.: 65 & 66, I
Floor, ARPEECenter, 320N, NSR Road, Saibaba colony, Coimbatore - 641011.
Landmark : Near Karur VysyaBank
______________________________________________________________________________
Madurai-625001-Mob:9842317355,9629190291,9655564322
79
BOSTON REGISTRATION CENTRE:
MADURAI:
BOSTON ONLINE TRAINING – Friends Mahal 2nd Floor, Koodal alagar

Perumal
Koil Street, Madurai-625001 -Contact: 9842317355,9629190291
COIMBATORE:
BOSTON ONLINE TRAINING –NO: 67, THIRUVALLUVAR NAGAR,

RAMANATHAPURAM, COIMBATORE- 47
Contact: 9842317355,9629190291
SALEM:
BOSTON ONLINE TRAINING – RKK COMPLEX 1ST FLOOR, AMARAVATHI

STREET, 5-ROADS, SALEM-4 Contact: Sudha: 8012699009
_____________________________________________________________________________
IC- 33 TAMIL MOCK TEST
www.testmoz.com/404084
_________________________________________________________
Score card
Visit: irdaonline.org
Print Hall Ticket/ScoreCard
IRDA URN * : eg: LICI0110140001
Examination Date * :eg: 01/10/2014
Get Hall Ticket Get Score Card

1st Dec 2014
Madurai-625001-Mob:9842317355,9629190291,9655564322

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jkpo; - Irp-33

fhg;gPL “mgha Nrfupg;G %yk; mgha ifkhw;wk;” vdg;gLk;

fhg;gPil jtpu> mghaj;ij epu;tfpf;Fk; kw;w topfspy; cs;sit:

fhg;gPbd; mbg;gil tpjpfs; gb:

1. tq;fp epue;ju ikg;G (FD)

1. xU nrhj;J vd;gJ kjpg;G my;yJ tUtha; tpistpf;Fk; xd;W

gy;tifg;gLj;Jjy; (Diversification) epjp re;ijfspy; mghaq;fis vg;gb

fhg;gPL vd;gJ> fhg;gPl;L epWtdk; g;hPkpak; vd miof;fg;gLk; xU tpiy

fhg;gPl;L xg;ge;jj;jpd; rpwg;G mk;rq;fspy; mlq;Fgit:

epjp jpl;lkply; vd;fpw nray;Kiw vd;gJ

jdpegupd; tho;f;if Row;rpapd; mbg;gilapy; %d;W tifahd epjp

rpije;j $l;L FLk;gq;fs;> jw;NghJ fpilf;fpd;w gy KjyPlL

xU jdpkdpjupd; cw;gj;jpj; jpwFf;fhd epjp kjpg;G ,og;gpw;F vjpuhf

4. Fiwfpd;w fhy ghyprpahf

epjpr; re;ijapy; gpw nrhj;jf;fSf;F fpilf;Fk; Nghl;bkpFe;j gydpd;

Which among the following is a non-traditional life insurance product?

fPNo cs;s $Wfspy; vJ a+ypg;fs; Fjpj;J cz;ikahdJ?

Xa;t+jpaq;fs; MAs; fhg;gPl;bd; kWgf;fj;ij gpujpgypg;gjhf $wyhk;.

xU cly;eyf; FiwghNlh my;yJ xU fhaNkh Vw;gl;L mjd;

FLk;g ngah;r;rp ghyprp vd;gJ cly;eyf; fhg;gPl;L ghyprpapd; kw;nwhU

bgpV (TPA) vd;w nrhy; ___________ I Fwpf;fpwJ.

3. njhopy;Kiw rq;f cWg;gpdh;fs;

3. cly;eyj;ij Nfhup kf;fs; njhlh;G nfhs;Sk; Kjy; Gs;sp

jpUkzkhd ngz;fspd; nrhj;J rl;lj;jpd; gpupT 6> 1874> kidtp kw;Wk;

gpujhd egu; (Keyman) fhg;gb

1. gpujhd egh; (Keyman) tUkhdk;

mlkhd kPl;G fhg;gPil (MRI) ________ - ,d; fPo; tifg;gLj;jg;gLfpwJ.

fPOs;s ,og;Gf;fspy; gpujhd egh; (Keyman) fhg;gb

rhjhuz nkhopapy;> g;hPkpak; vd;w nrhy; xU fhg;gPlL; ghyprpia

“g;hPkpak;” vd;w nrhy; fhg;gPlL

1. tl;b tpfpjk; Fiwthf fUjg;gl;lhy;> g;hPkpak; FiwfpwJ

jfty; VL jahupg;G gw;wpa tptuq;fs; toq;Ftjw;fhf fhg;gPL

epue;ju fzf;F vz; ml;il kw;Wk; Gifg;glq;fs; Nghd;w KYC

1. tpz;zg;g gbtk; 2. Kd;nkhopT gbtk;

1. epue;ju fzf;F fz; (PAN) ml;il

MAs; fhg;gLP epWtdk; Kjy; g;hPkpak; urPij (FPR) toq;Fk; NghJ xU

1. Kjy; g;hPkpak; urPJ (FPR)

1. fhg;gPL ngw;wtUf;F Mjuthf

Kjy; g;hPkpak; urPJ (FDR) vd;d Rl;bf;fhl;LfpwJ? kpfTk; nghUj;jkhd

Vw;gspg;G my;yJ Njh;T nray;Kiw ,uz;L epiyfspy; eilngWtjhf

fhg;gPL Kd;nkhopTfspd; Vw;gspg;G topKiwfs; jPh;gG ; topKiw my;yJ

4. ghyprpjhuUf;F vd;Nlhnkd;l; ghyprpapd; xg;giltpd; NghJ toq;fg;gLk;

Jujph;\;lk; Vw;gl;lhy; fhg;gPlL; epWtdk; xU Fwpg;gpl;l njhifia

IRDA rl;lj;jpd; KfTiu $WtJ vd;dntd;why;?

1) njhopyhsp ,og;gPL rl;l (Workmen’s Compensation Act)> 1923 (2010

2) Copah; muR <l;LWjp rl;lk;> (Employees’ State Insurance Act) 1948

3) ; fofk; rl;lk;> (Life Insurance Corporation Act) 1956

4) itg;Gj; njhif fhg;GWjp kw;Wk; fld; cj;juthj fofk; rl;lk;>

5) fly; fhg;gPL rl;lk;> (Marine Insurance act) 1963

6) Vw;Wkjp fld; cj;juthj fofk; rl;lk; (Export Credit Guarantee

7) n[duy; ,d;#ud;]; gp]pd]; (ehl;Lilkahf;fy;) rl;lk; (General

9) Nkhl;lh thfd rl;lk;> (Morot Vehicles Act) 1988

1. nghJ fhg;gPlL; fofk; (GIC)

fhg;gPL rl;lj;jpd;gb> xU Kfth; gpupT 42d; fPo; cupkk; mspf;fg;gl;l

2. tq;fp %yk; fhg;gPL tpw;gidfs; (Bancassurance)

,e;jpa xg;ge;j rl;l gpupT 182 gb ________ vd;gth; kw;nwhUtUf;fhf VjhtJ

fhg;gPL re;ij juq;fs; rq;fj;jpd; (Insurance Marketplace Standards

1. xU jdpg;gl;l fhg;gl P ;L Kfth; fhg;gPl;L epWtdj;ij xU gpujpepjp kw;Wk;

1964 y; `hh;th;L tzpf Ma;tpy; (Business review) xU ey;y tpw;gidia

tpw;gid vd;fpw njhopy;> xU th;j;jf ghpth;j;jidia J}z;Lk;

fhg;gPl;L Kfth;fs; vd;gth;fs; rKjha cWg;gpdh;fsplk; jhq;fs;

tpw;gidf;fhd Neh;fhziyg; ngWk;gbahf ehk; mZff;$ba egh;fspd;

rhj;jpaq;fSf;fhd ,yf;F re;ijfspy; cs;sit: