Federal Bank Aptitude Questions 2026 - Clerk and Officer Test Practice with Solutions

Federal Bank's recruitment test follows the standard private bank aptitude format with a moderate difficulty level. The practice set here is calibrated to the topic distribution and difficulty reported by recent Federal Bank test-takers.

Test Pattern Reference

Based on candidate-reported data from recent Federal Bank recruitment cycles:

Total: approximately 80 to 100 questions in 90 to 120 minutes. Negative marking of 0.25 per wrong answer (based on candidate reports; verify in official notification).

Section 1: Quantitative Aptitude (20 Questions)

Q1. A Federal Bank branch received deposits of Rs 2.4 crore in January and Rs 3.1 crore in February. What is the percentage increase? Solution: Increase = 0.7 crore. % increase = (0.7/2.4) x 100 = 29.17%. Answer: 29.17% approximately

Q2. A savings account earns 3.5% per annum simple interest. A customer deposits Rs 85,000 for 2 years. What is the total amount at the end? Solution: SI = 85,000 x 3.5 x 2 / 100 = Rs 5,950. Total = Rs 90,950. Answer: Rs 90,950

Q3. What is the compound interest on Rs 50,000 at 8% per annum for 2 years compounded annually? Solution: A = 50,000 x (1.08)^2 = 50,000 x 1.1664 = Rs 58,320. CI = Rs 8,320. Answer: Rs 8,320

Q4. A person's salary increases by 10% in year 1 and decreases by 10% in year 2. If initial salary is Rs 30,000, what is the salary after year 2? Solution: After year 1: 30,000 x 1.10 = 33,000. After year 2: 33,000 x 0.90 = Rs 29,700. Answer: Rs 29,700

Q5. A loan of Rs 2,00,000 at 12% per annum SI is to be repaid in 4 years. What is the total repayment? Solution: SI = 2,00,000 x 12 x 4 / 100 = Rs 96,000. Total = Rs 2,96,000. Answer: Rs 2,96,000

Q6. The ratio of male to female employees in a Federal Bank branch is 3:2. If there are 20 female employees, how many total employees are there? Solution: Males = (3/2) x 20 = 30. Total = 50. Answer: 50

Q7. A customer invests Rs 12,000 in a recurring deposit at 7% per annum for 12 months (monthly deposits of Rs 1,000). Approximate interest = n(n+1)/2 x P x R / (12 x 100), where n=12, P=1000, R=7. = 78 x 1000 x 7 / 1200 = Rs 455 approximately. Answer: Rs 455 approximately

Q8. If a bank's NPA ratio increases from 4.2% to 5.8%, what is the percentage point increase? Answer: 1.6 percentage points (percentage points, not percent - this distinction is important for banking awareness)

Q9. A borrower takes a home loan of Rs 30 lakh at 9% per annum. What is the approximate simple interest for the first year? Solution: SI = 30,00,000 x 9 / 100 = Rs 2,70,000. Answer: Rs 2,70,000

Q10. Two branches A and B have deposit bases of Rs 150 crore and Rs 200 crore. Branch A grows at 12% and B at 8% annually. What is the combined deposit base after 1 year? Solution: A: 150 x 1.12 = 168 crore. B: 200 x 1.08 = 216 crore. Total = Rs 384 crore. Answer: Rs 384 crore

Data Interpretation (Q11 to Q14):

Q11. What is the total net disbursement (disbursements minus repayments) for the four months? Solution: (85-40) + (92-55) + (78-48) + (105-62) = 45+37+30+43 = Rs 155 lakh. Answer: Rs 155 lakh

Q12. In which month was repayment highest as a percentage of disbursement? Solution: Jan: 40/85=47%. Feb: 55/92=59.8%. Mar: 48/78=61.5%. Apr: 62/105=59%. Answer: March at 61.5%

Q13. What is the average monthly disbursement? Solution: (85+92+78+105)/4 = 360/4 = Rs 90 lakh. Answer: Rs 90 lakh

Q14. April disbursements were what percentage more than January disbursements? Solution: (105-85)/85 x 100 = 20/85 x 100 = 23.5%. Answer: 23.5%

Section 2: Reasoning Ability (15 Questions)

Q1. Series: 2, 5, 11, 23, 47, ? Solution: Each term = previous x 2 + 1. 47 x 2 + 1 = 95. Answer: 95

Q2. If in a code language BANK is written as BNKA, how is LOAN written? Solution: Pattern: first letter stays, remaining letters rotate left by 1. L stays, OAN becomes ANO. LANO. Answer: LANO

Q3. Five branch managers A, B, C, D, E are seated in a row. A sits at the extreme right. B sits to the left of D. C and E are not adjacent to each other. D is to the right of C. Find the seating arrangement. With A at right and D right of C, and B left of D: a valid arrangement is E, C, B, D, A. Check: C-D order confirmed. B left of D confirmed. E and A not adjacent confirmed. Answer: E C B D A

Q4. How many pairs of letters in the word FEDERAL have the same number of letters between them as in the alphabet? Letters: F, E, D, E, R, A, L. Check pairs: F-E: adjacent in word, adjacent in alphabet (E,F). DE: adjacent in word and alphabet. Answer: 2 pairs (FE and DE pairs)

Q5. A is the father of B. C is the son of D. E is the brother of A. D is the daughter of B. How is C related to E? Solution: A is B's father. D is B's daughter. C is D's son, so C is B's grandson. E is A's brother. A is B's father, so E is B's uncle. C is B's grandson, E is B's uncle. C is E's nephew's son = grandnephew. Answer: C is E's grandnephew

Q6. If all bankers are educated and some educated people are honest, which conclusion is valid? a) All bankers are honest b) Some bankers are honest c) Some bankers may be honest d) No banker is honest Solution: Some educated are honest; all bankers are educated. The overlap could partially include bankers. Answer: (c) is definitely valid. Answer: (c)

Q7. Direction: Rajan walks 6 km East, then 4 km North, then 6 km West, then 4 km South. Where is he relative to the start? Solution: East 6 - West 6 = 0 net East-West. North 4 - South 4 = 0 net North-South. He is back at the start. Answer: Starting point (net displacement = 0)

Blood relations (Q8 to Q10): Statement: Priya is the sister of Rohan. Rohan is the son of Vikram. Vikram is the brother of Anita. Q8. How is Priya related to Vikram? Answer: Priya is Vikram's daughter Q9. How is Anita related to Priya? Answer: Anita is Priya's aunt (Vikram's sister) Q10. How is Rohan related to Anita? Answer: Rohan is Anita's nephew

Section 3: English Language (10 Questions)

Comprehension passage: Federal Bank was established in 1931 as Travancore Federal Bank and has grown to become one of India's leading old-generation private banks. Headquartered in Aluva, Kerala, the bank has been particularly active in implementing technology-driven banking solutions, including mobile banking, internet banking, and digital account opening. The bank follows a strategy of combining its strong regional presence in South India with selective national expansion. Its diverse product offerings include savings and current accounts, home loans, vehicle loans, personal loans, insurance products sold through bancassurance arrangements, and wealth management services for high-net-worth customers.

Q1. What is the original name of Federal Bank? Answer: Travancore Federal Bank

Q2. What does "bancassurance" refer to based on context clues in the passage? Answer: The distribution of insurance products through a bank's network as a distribution channel

Q3. Federal Bank is described as an "old-generation" private bank. What does this imply? Answer: It is a bank established before the banking liberalisation of the 1990s, as opposed to "new-generation" banks like HDFC or ICICI which received licences in the 1990s

Error detection (Q4 to Q6):

Q4. The Federal Bank branch (a) has opened a new (b) account for the customers (c) who has visited (d) yesterday. Error: (d) - "who has visited" should be "who visited" (past tense, not present perfect, since "yesterday" specifies a completed past time)

Q5. The manager, along with all his team members, (a) were (b) present at (c) the annual review meeting. Error: (b) - "were" should be "was" (subject is "manager" - singular; "along with" does not change the subject number)

Q6. The interest rate on home loans are (a) expected to be (b) reduced by (c) the central bank (d) next quarter. Error: (a) - "are" should be "is" (subject is "interest rate" - singular)

Section 4: Banking and Computer Awareness (10 Questions)

Q1. Federal Bank is headquartered in which city? Answer: Aluva, Kerala

Q2. What is the full form of IMPS in banking? Answer: Immediate Payment Service (24x7 interbank electronic funds transfer)

Q3. What is a CASA ratio in banking and why is it important? Answer: CASA (Current Account Savings Account) ratio is the proportion of CASA deposits to total deposits. A higher CASA ratio indicates lower cost of funds for the bank since savings and current account deposits carry lower interest rates than term deposits.

Q4. What does NRI Banking refer to? Answer: Banking services specifically designed for Non-Resident Indians including NRE (Non-Resident External), NRO (Non-Resident Ordinary), and FCNR (Foreign Currency Non-Resident) accounts.

Q5. What is the current cash reserve ratio (CRR) for scheduled commercial banks in India? Answer: CRR is set by the Reserve Bank of India and changes with monetary policy decisions. Verify the current CRR directly from rbi.org.in as it may have changed from the last known value.

Q6. What is a debit card vs credit card in simple terms? Answer: A debit card uses funds directly from the cardholder's bank account for transactions. A credit card extends a line of credit to the cardholder which must be repaid, typically monthly, with interest charged on outstanding balances.

Q7. What is the minimum balance requirement for different bank account types? Answer: Minimum balance requirements vary by bank, account type, and city classification (metro, urban, semi-urban, rural). Check the specific bank's schedule of charges for current requirements.

Q8. In computer banking, what does the acronym CBS stand for? Answer: Core Banking Solution - the centralized banking software platform that allows all branches of a bank to access a customer's account from any branch in real-time.

Q9. What is the role of SWIFT in international banking? Answer: SWIFT (Society for Worldwide Interbank Financial Telecommunication) provides a secure messaging network for international financial transactions between banks and financial institutions globally. Federal Bank's international banking services use SWIFT for correspondent banking relationships.

Q10. What is a non-performing asset (NPA) in the Indian banking context? Answer: A loan or advance is classified as NPA when interest or principal is overdue for 90 days or more. NPAs are categorised into substandard, doubtful, and loss assets based on how long they have been NPA. High NPA ratios indicate credit quality stress in a bank's portfolio.

Exam Strategy for Federal Bank Test

Time management: 90 to 120 minutes for 80 to 100 questions means approximately 1 minute per question. Quantitative questions with complex calculations should be attempted after quicker sections to avoid time pressure.

Banking awareness advantage: This section distinguishes Federal Bank test-takers from standard bank exam candidates. Know Federal Bank's history, network, and product range. This is the section where targeted preparation pays off disproportionately.

Negative marking discipline: With 0.25 negative marking (based on candidate reports), avoid wild guessing on questions where you have no reasonable basis for an answer. Confident 80% certainty is a reasonable threshold for attempting.

Kerala banking context: Federal Bank's roots in Kerala and South India mean some banking awareness questions may reference Kerala economy, cooperative banking in Kerala, or South India financial trends. Being aware of this context is an edge over candidates who prepare generically.

For the complete Federal Bank recruitment process, see Federal Bank careers recruitment 2026.

Frequently Asked Questions

What sections are in the Federal Bank aptitude test? Quantitative aptitude, reasoning ability, English language, and banking and computer awareness based on candidate-reported data.

How difficult is the test? Moderate, broadly comparable to IBPS Clerk prelim level.

Does Federal Bank have negative marking? Based on candidate reports, yes, typically 0.25 per wrong answer. Verify in the official notification.

What banking topics should I focus on? Federal Bank-specific knowledge, Kerala banking context, RBI monetary policy, CASA ratio, NPA definitions, and basic banking products.

How many questions are there? Approximately 80 to 100 in 90 to 120 minutes based on candidate-reported data.

Where can I find the official test pattern? In the recruitment notification PDF on federalbank.co.in/careers when a notification is active.