ICICI Bank Aptitude Questions 2026 - Quantitative, Reasoning, and Verbal Practice Set

ICICI Bank's aptitude test is the first objective filter in its fresher recruitment process. The questions here are calibrated to the difficulty and topic distribution reported by recent ICICI Bank test-takers. Work through each section systematically.

Test Pattern Reference

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

Total: approximately 80 to 100 questions in 90 to 120 minutes. Verify the exact format in your call letter.

Section 1: Quantitative Aptitude (25 Questions)

The quantitative section tests banking-relevant numerical skills. Emphasis is on interest calculations, percentage, and data interpretation.

Q1. A fixed deposit of Rs 60,000 earns 8.5% per annum simple interest. What is the total interest earned in 3 years? Solution: SI = P x R x T / 100 = 60,000 x 8.5 x 3 / 100 = Rs 15,300. Answer: Rs 15,300

Q2. A bank offers 9% compound interest per annum. What will Rs 20,000 become after 2 years? Solution: A = 20,000 x (1.09)^2 = 20,000 x 1.1881 = Rs 23,762. Answer: Rs 23,762

Q3. The ratio of savings to expenditure of a customer is 3:7. If the total income is Rs 80,000, what are the savings? Solution: Savings = 3/(3+7) x 80,000 = 0.3 x 80,000 = Rs 24,000. Answer: Rs 24,000

Q4. A loan of Rs 1,50,000 is to be repaid in 5 equal annual instalments at 10% simple interest. What is the total repayment amount? Solution: Total interest = 1,50,000 x 10 x 5 / 100 = Rs 75,000. Total repayment = Rs 2,25,000. Answer: Rs 2,25,000

Q5. A trader marks goods at 40% above cost and offers a 20% discount. What is the profit percentage? Solution: Let cost = 100. Marked price = 140. Selling price = 140 x 0.80 = 112. Profit = 12%. Answer: 12%

Q6. If the population of a city grows at 5% annually, and the current population is 16,00,000, what will it be after 2 years? Solution: P2 = 16,00,000 x (1.05)^2 = 16,00,000 x 1.1025 = 17,64,000. Answer: 17,64,000

Q7. Three workers A, B, C can complete a task in 10, 15, and 20 days. If all three work together, how long does the task take? Solution: Combined rate = 1/10 + 1/15 + 1/20 = 6/60 + 4/60 + 3/60 = 13/60. Time = 60/13 = 4.6 days approximately. Answer: 60/13 days

Q8. A person travels 240 km at 60 km/h and returns at 40 km/h. What is the average speed for the round trip? Solution: Harmonic mean: 2 x 60 x 40 / (60+40) = 4800/100 = 48 km/h. Answer: 48 km/h

Q9. If Rs 1,200 is divided between A, B, C in ratio 2:3:5, what is C's share? Solution: C's share = 5/10 x 1,200 = Rs 600. Answer: Rs 600

Q10. A sum doubles in 8 years at simple interest. What is the rate of interest? Solution: SI = P at rate R for 8 years. P = P x R x 8 / 100. R = 100/8 = 12.5%. Answer: 12.5% per annum

Data Interpretation (Q11 to Q14): Based on the table showing quarterly deposits at a bank branch:

Q11. What is the total net deposit for the year? Solution: Net = (180-95) + (210-120) + (165-88) + (225-140) = 85 + 90 + 77 + 85 = Rs 337 lakh. Answer: Rs 337 lakh

Q12. In which quarter was the net deposit highest? Solution: Q1=85, Q2=90, Q3=77, Q4=85. Answer: Q2

Q13. What was the total withdrawal for the year as a percentage of total deposits? Solution: Total deposits = 780. Total withdrawals = 443. Percentage = 443/780 x 100 = 56.8% approximately. Answer: 56.8% approximately

Q14. If Q4 new deposits grew by 10% in the next year, what would they be? Solution: 225 x 1.10 = Rs 247.5 lakh. Answer: Rs 247.5 lakh

Section 2: Logical Reasoning (20 Questions)

Q1. Series: 3, 7, 15, 31, 63, ? Solution: Each term = previous x 2 + 1. 63 x 2 + 1 = 127. Answer: 127

Q2. If MONEY is coded as XAJZT, how is HONEY coded? Solution: M=X, O=A, N=J, E=Z, Y=T. Pattern: shift each letter. H = X-5 = S (reverse map: M->X, so H = X - (M-H) = X - 5 = S). H=S, O=A, N=J, E=Z, Y=T. Answer: SAJZT

Q3. Ravi is 8 ranks from the top and 22 ranks from the bottom in a class. How many students are in the class? Solution: Total = 8 + 22 - 1 = 29. Answer: 29 students

Q4. Six people A, B, C, D, E, F sit around a circular table. A sits 2 seats to the right of C. B sits directly opposite F. D sits between A and B. Who sits to the left of E? This type of circular arrangement question is common in ICICI Bank aptitude tests. Work systematically by placing one anchor (A and C) and resolving the rest from constraints. Practice 5 to 10 such problems before the exam.

Q5. A is the brother of B. C is the mother of B. D is the husband of C. How is A related to D? Solution: D is the father of C's children. A is B's brother, so A is C's son. A is D's son. Answer: A is D's son

Q6. All managers are leaders. Some leaders are visionaries. What conclusion follows? a) All managers are visionaries b) Some managers are visionaries c) Some managers may be visionaries d) No manager is a visionary Solution: All managers are in the leader set. Some leaders are visionaries. The overlap could include or exclude managers. So c) is the valid conclusion. Answer: (c)

Q7. Pointing to a woman, Raj says "She is the mother of my mother's only son." How is Raj related to the woman? Solution: Raj's mother's only son is Raj. So the woman is Raj's mother. Answer: The woman is Raj's mother

Q8. If you arrange the word BANKINGS in reverse alphabetical order, what is the third letter? Solution: BANKINGS letters: B, A, N, K, I, N, G, S. Alphabetical: A, B, G, I, K, N, N, S. Reverse: S, N, N, K, I, G, B, A. Third letter = N. Answer: N

Direction sense (Q9 to Q11): A person walks 5 km North, turns East and walks 3 km, turns South and walks 8 km, turns West and walks 6 km. Q9. What is the final displacement from the starting point? Solution: Net North-South: 5-8 = 3 km South. Net East-West: 3-6 = 3 km West. Displacement = sqrt(9+9) = 3 sqrt(2) approximately 4.24 km. Answer: 3sqrt(2) km, South-West direction

Q10. In which direction from the start is the final position? Answer: South-West

Q11. How far is the person from where they started? Answer: Approximately 4.24 km

Section 3: Verbal Ability (15 Questions)

Comprehension Passage: Reserve Bank of India's monetary policy decisions directly influence the lending and borrowing rates across the banking system. When the repo rate, which is the rate at which the RBI lends to commercial banks overnight, is increased, banks face higher borrowing costs. This typically leads to an increase in lending rates on home loans, personal loans, and business credit. Consumers who hold floating-rate loans see their EMIs rise, reducing their disposable income. However, the RBI uses repo rate increases primarily to curb inflation by reducing money supply in the economy. The trade-off between growth and price stability is the central challenge of monetary policy.

Q1. What is the primary purpose of a repo rate increase according to the passage? a) To increase bank profits b) To reduce money supply and curb inflation c) To improve EMI collection d) To attract foreign investment Answer: (b)

Q2. Which of the following does NOT directly result from a repo rate hike based on the passage? a) Higher EMIs on floating-rate loans b) Increased bank borrowing costs c) Reduced consumer disposable income d) Lower government tax revenues Answer: (d)

Q3. The word "disposable income" in the passage most closely means: a) Income that must be repaid b) Income available for spending after mandatory expenses c) Income that is taxable d) Income from investments Answer: (b)

Error detection (Q4 to Q6): Identify the incorrect part.

Q4. The bank (a) has approved the (b) customer application for (c) home loan last week. Answer: Part (c) - should be "the home loan" or "a home loan"

Q5. Neither the manager nor the employees (a) was (b) aware of (c) the new policy (d). Answer: Part (b) - should be "were" (neither...nor takes the verb based on the nearer subject, "employees", which is plural)

Q6. The interest rate has raised (a) significantly (b) since last year (c), affecting many (d) borrowers. Answer: Part (a) - should be "has risen" (intransitive; "raised" requires an object)

Section 4: Banking and Financial Awareness (10 Questions)

Q1. What does the abbreviation IMPS stand for in India's payment system? Answer: Immediate Payment Service - a 24x7 interbank electronic funds transfer service available through mobile banking.

Q2. RBI's current repo rate (as publicly published by RBI): candidates should verify the current rate directly from rbi.org.in before the exam, as it is subject to change with each Monetary Policy Committee meeting.

Q3. What is CIBIL score and what range is considered good for a loan applicant? Answer: CIBIL score is a three-digit credit score ranging from 300 to 900, calculated by TransUnion CIBIL based on credit history. A score of 750 and above is generally considered good for loan approval.

Q4. What is the difference between NEFT and RTGS? Answer: NEFT (National Electronic Funds Transfer) settles transactions in batches at periodic intervals. RTGS (Real Time Gross Settlement) processes transactions individually and in real-time. RTGS has a minimum transaction value (currently Rs 2 lakh as per last RBI notification; verify on rbi.org.in). NEFT has no minimum.

Q5. What is the Cash Reserve Ratio (CRR)? Answer: CRR is the percentage of a bank's net demand and time liabilities (NDTL) that must be maintained as cash with the RBI. RBI uses CRR changes to regulate money supply. Current CRR should be verified from rbi.org.in as it changes with policy decisions.

Q6. What is the full form of NPA in banking? Answer: Non-Performing Asset. A loan or advance where interest or principal is overdue for 90 days or more.

Q7. Priority sector lending (PSL) in India requires commercial banks to lend a certain percentage of their Adjusted Net Bank Credit (ANBC) to priority sectors. What is the overall PSL target for domestic scheduled commercial banks? Answer: 40% of ANBC as per RBI guidelines. Sub-targets exist for agriculture, micro enterprises, and weaker sections. Verify current targets on rbi.org.in.

Q8. What is the role of NABARD? Answer: National Bank for Agriculture and Rural Development (NABARD) provides refinance support to cooperative banks, regional rural banks, and other financial institutions lending to agriculture and rural development.

Q9. What does ICICI Bank's iMobile Pay application primarily offer? Answer: iMobile Pay is ICICI Bank's mobile banking application offering fund transfers, bill payments, investment services, and account management. It is available to both ICICI Bank customers and non-customers for certain features.

Q10. What is the minimum balance typically required for ICICI Bank savings accounts? Answer: Minimum balance requirements vary by account type and city classification. Candidates should verify current requirements on ICICI Bank's official website as these are subject to change.

Exam Strategy for ICICI Bank Aptitude Test

Time allocation per section: With 90 to 120 minutes total, aim for 25 to 30 minutes on quantitative, 20 to 25 on reasoning, 20 on verbal, and 10 to 15 on banking awareness.

Skip and return: If a quantitative problem takes more than 2 minutes, mark it and move on. Return if time permits. Do not let one hard question cost you five easy ones.

Interest calculations: Keep compound interest formula (A = P(1+r)^n) and simple interest formula (SI = PRT/100) memorised. These appear in nearly every bank aptitude test.

Banking awareness: Check the RBI website (rbi.org.in) the night before the exam for the current repo rate, CRR, and SLR. These figures change with each MPC meeting and the test may use current values.

Verbal: Read one financial news article daily for two weeks before the exam. ICICI Bank comprehension passages are consistently drawn from banking and economic contexts.

For the complete ICICI Bank recruitment process guide, see ICICI Bank careers recruitment 2026.

Frequently Asked Questions

What sections are in the ICICI Bank aptitude test? Quantitative aptitude, logical reasoning, verbal ability, and banking/financial awareness, based on candidate-reported data from recent ICICI Bank programs.

How difficult is the test? Moderate difficulty. Speed and accuracy matter more than problem complexity.

Are there negative marks? Some programs have 0.25 negative marking. Check the test instructions on exam day.

What banking topics are tested? RBI tools (repo rate, CRR, SLR), account types, loan products, payment systems (NEFT/RTGS/IMPS/UPI), CIBIL scores, NPA, and priority sector lending.

How many questions are there? Approximately 80 to 100 questions in 90 to 120 minutes based on candidate reports. Confirm in your call letter.

Where do I practice more? Practice from standard bank aptitude books (R.S. Aggarwal Quantitative Aptitude, M.K. Pandey Reasoning) and solve previous year bank PO and clerk papers. The difficulty level is comparable to IBPS Clerk prelim for quantitative and reasoning sections.