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UIIC AO Mains Mock Test 01

Please read the following instructions carefully before starting the exam.

Questions

200

Duration

150 mins

Max Marks

250

Penalty

-0.25 / -0.3 / -0.313 / -0.375

Marks per correct answer: +1 / +1.20 / +1.25 / +1.50 · UIIC AO Mains (Generalist): English 40 Q/50, Reasoning 50 Q/60, Quantitative Aptitude 50 Q/60, General Awareness 40 Q/60, Computer Knowledge 20 Q/20; 1/4 of the marks assigned to the question per wrong answer

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About this test

UIIC AO Mains Mock Test 01 is a free online full-length mock test for Banking, focused on UIIC AO Mains objective test only (Generalist pattern as stated in the UIIC AO 2026 note, convergent, not read from the UIIC PDF): English 40Q/50 marks/30 min, Reasoning 50Q/60/40 min, Quant 50Q/60/40 min, General Awareness with special reference to the Financial Sector 40Q/60/30 min, Computer Knowledge 20Q/20/10 min; 200 questions, 250 marks, 150 minutes, separately timed sections, -0.25 per wrong answer. The descriptive test (30 marks, 30 min) is NOT included in this MCQ file. No exam date or salary figure is stated.. It has 200 questions to be answered in 150 minutes, marked Mains: English +1.25, Reasoning/Quant +1.2, GA +1.5, Computer +1; -1/4 as in the real exam. Each section has its own timer, as in the exam: English Language (40 questions, 30 min), Reasoning (50 questions, 40 min), Quantitative Aptitude (50 questions, 40 min), General Awareness (40 questions, 30 min), Computer Knowledge (20 questions, 10 min). Submit the test to see your score and a detailed solution for every question. No registration is needed for your first tests.

Exam: Banking
Section: Full Length Mock
Topic: UIIC AO Mains objective test only (Generalist pattern as stated in the UIIC AO 2026 note, convergent, not read from the UIIC PDF): English 40Q/50 marks/30 min, Reasoning 50Q/60/40 min, Quant 50Q/60/40 min, General Awareness with special reference to the Financial Sector 40Q/60/30 min, Computer Knowledge 20Q/20/10 min; 200 questions, 250 marks, 150 minutes, separately timed sections, -0.25 per wrong answer. The descriptive test (30 marks, 30 min) is NOT included in this MCQ file. No exam date or salary figure is stated.
Questions: 200
Time: 150 minutes
Max marks: 250
Marking: Mains: English +1.25, Reasoning/Quant +1.2, GA +1.5, Computer +1; -1/4
Negative: Mains: English +1.25, Reasoning/Quant +1.2, GA +1.5, Computer +1; -1/4
Timing: Separate timer for each section

Preview the first 3 questions (answers after you submit)

Many Indian households still treat insurance as an expense to be postponed rather than as protection to be arranged in advance. A family that has never faced a hospital bill of several lakh rupees often finds it hard to see the value of a premium paid every year for an event that may never happen. Yet it is precisely this pooling of small, regular payments from a large number of people that allows an insurer to pay a large claim to the few who suffer a loss. When penetration is low, the pool is small, premiums stay high for the cover offered, and the very households that most need protection stay outside it. Financial literacy programmes therefore do two jobs at once: they explain what a policy actually covers, and they correct the belief that insurance is only useful after a disaster. A household that understands deductibles, waiting periods and exclusions is far more likely to renew a policy than one that bought it only because an agent insisted.
Q1.According to the passage, why do many households postpone buying insurance?
- A.Premiums are illegal for small households
- B.Insurance is available only after a disaster
- C.They believe insurers never pay claims
- D.They see the premium as an expense for an event that may never happen
- E.Hospitals refuse insured patients
Q2.What does the pooling of premiums allow an insurer to do?
- A.Avoid paying any claim at all
- B.Pay a large claim to the few who suffer a loss
- C.Charge every household the same claim amount
- D.Sell policies only to healthy people
- E.Fix hospital bills for all patients
Q3.Why does low penetration keep premiums high for the cover offered?
- A.Hospitals charge insurers extra
- B.Insurers refuse to collect premiums
- C.Agents keep the premiums
- D.The government bans large pools
- E.The pool of premium-payers is small

Start the test to answer these. Correct answers and explanations are shown after you submit.

More UIIC AO Mains objective test only (Generalist pattern as stated in the UIIC AO 2026 note, convergent, not read from the UIIC PDF): English 40Q/50 marks/30 min, Reasoning 50Q/60/40 min, Quant 50Q/60/40 min, General Awareness with special reference to the Financial Sector 40Q/60/30 min, Computer Knowledge 20Q/20/10 min; 200 questions, 250 marks, 150 minutes, separately timed sections, -0.25 per wrong answer. The descriptive test (30 marks, 30 min) is NOT included in this MCQ file. No exam date or salary figure is stated. tests

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UIIC AO Mains Mock Test 01

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3. Answering a Question:

4. Sectional Timing:

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Score Breakdown & Mark Loss AuditPotential Marks: 0.00

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