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IndusInd Bank has joined hands with American Express to unveil IndusInd Bank Iconia American Express Card for its rich customers.
Card Benefits
The card offers its customers reward points and lifestyle benefits such as golf, entertainment, travel and dining.
Subscribers of the card will get a reward of 1.5 point on weekdays and of 2 points on the weekends on every Rs 100 they spend. These points can then be redeemed for cash credit at full value, i.e, a rupee for each reward point and for partner air miles.
IndusInd Bank ventured into the credit card sector after acquiring Deutsche Bank’s loss making credit card business from its Indian operations in 2011.

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Taking further measures to curb the expanding Current Account Deficit (CAD) and forex outflow, the RBI has imposed restrictions on banks and NBFCs for providing loans against purchase of gold in any form, including primary gold, gold bullion, gold jewellery, gold coins, units of gold ETF and units of gold Mutual Funds to discourage demands for gold. Banks have also been directed to ensure that the amount of loan to any customer against gold ornaments, gold jewellery and gold coins (weighing up to 50 grams) should be within the board approved limit.
However , Banks are allowed to grant of advances against specially minted gold coins sold by banks, there is a risk that some of these will weigh much more, thereby circumventing the RBI’s guidelines regarding restrictions on grant of advance against gold bullion.
Current Status: At present, banks are allowed to provide advances against gold ornaments and other jewellery and against specially minted gold coins sold by banks. However, no advances can be granted by banks for purchase of gold in any formincluding primary gold, gold bullion, gold jewellery, gold coins, units of gold exchange traded funds and units of gold mutual funds.

Why this measure?
India is one of the largest importers of gold. In the last few years, India has witnessed a sharp rise in the demand as well as in the prices of gold which has in turn led to bigger imports. As the imports are generally paid in dollars/ foreign currency, it has led to massive outflow of foreign exchange reserves leaving a huge CAD. CAD occurs when a country’s total imports of goods, services and transfers are greater than the country’s total export of goods, services and transfers. This situation makes a country a net debtor to the rest of the world. Very high CAD is detrimental to the outlook of the whole economy of the country.    Government has taken several steps recently, including raising import duty, to curb the inbound shipments of gold. RBI too had put restrictions on banks on gold imports.
Market regulator SEBI has announced that it will double the charges for orders based on Algorithms (algo) in stock exchanges from May 27, 2013.
What is Algo Trade?
§  Algorithmic (Algo) trading refers to orders generated by use of advanced mathematical models that involve automated execution of trade. It is mostly used by large institutional investors and has raised concerns that algo exposes small investors to possible systemic risks.
§  Charges on an algo trade vary among exchanges.

Why SEBI is increasing the charges on Algo trade?
§  Algo trading method is mostly used by large institutional investors and has raised concerns that algo exposes small investors to possible systemic risks.
§  The move to increase the algo trade charges is intended to disincentivise those having high order-to-trade ratio using algo. Brokers with repetitive instances of high daily order-to-trade ratio will face additional penalty in the form of suspension of their proprietary trading book.

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Which nation was the largest recipient of remittances from the World Bank in 2012 as per
the statement made on 20 April 2013?

1)China 2)Mexico 3)India 4)Philippines 5)Malaysia

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September Month GA Bits

Very Important Current Affairs of SEPTEMBER -100 Sure Questions

1. Who equaled the world record of eight golds at the 2013 World
Athletics Championships?
Answer: Usain Bolt

2. The Chinese Navy hospital ship which paid a week-long goodwill
visit to Bangladesh recently?
Answer: Peace Ark

3. Who has been appointed as the Chairperson of the National School of
Drama Society?
Answer: Ratan Thiyam

4. In which state did the Saharsha-Patna Rajyarani Express run over
pilgrims killing 37 people?
Answer: Bihar

5. Where in India was the statue of Nobel Laureate Dr. Norman Borlaug
unveiled recently?
Answer: New Delhi

6. Whose new book, `My Journey: Transforming Dreams into Actions' has
been released recently?
Answer: A.P.J Abdul Kalam

7. World Photography Day was celebrated on:
Answer: August 19

8. The scientists of the Smithsonian Institution of the United States
have recently announced the discovery of a new mammal named

………….?
Answer: Olinguito

9. Who has been selected for Sir Edmund Hillary Mountain Legacy Medal 2013?
Answer: Harshwanti Bisht

10. Who has been appointed as the Director General of the CRPF?
Answer: Dilip Trivedi

11. Who won the Men's singles in the Rogers Cup 2013, held in Montreal, Canada?
Answer: Rafael Nadal

12. In which state is the Election Commission planning to use Voter
Verifiable Paper Audit Trial (VVPAT) system for the first time in the

country?
Answer: Nagaland

13. Who has been appointed as India's new Ambassador and the Permanent
Representative on the U.N Conference on Disarmament?
Answer: Dr. Bala Venkatesh Varma

14. Which Indian squash player won gold in the Asian Youth Games held
in Nanjing, China?
Answer: Kush Kumar

15. The Indian who won bronze medal in the 96 kg freestyle category at
the recently held World junior Wrestling Championships held in

Sofia, Bulgaria?
Answer: Satywart Kadian

16. Which International Tennis player from France, who also won the
Wimbledon Women's Singles title 2013, has announced her retirement

from the game?
Answer: Marion Bartoli

17. India has won 83 medals at the 2013 World Police & Fire Games held at ………….?
Answer: Belfast

18. What does RGGVY stand for?
Answer: Rajiv Gandhi Grameen Vidyutikaran Yojana. The programme is
aimed at providing electricity to all rural households. The

Government of India has recently decided to continue the programme.

19. The new mobile app devised by German scientists that helps locate
lost items?
Answer: Find My Stuff

20. The Indian Newspaper Society has approved the proposal to hike the
FDI (Foreign Direct Investment) in print media from 26 percent to

………….. percent?
Answer: 49

21. Who won the women's singles in the Cincinnati Open tennis tournament?
Answer: Victoria Azarenka.

22. Who is the Chairman of the newly constituted committee by the
Central Government, to assess the status of Scheduled tribes?
Answer: Virginius Xaxa

23. The renowned Indian cricket coach and Dronacharya awardee who
passed away on 16th August?
Answer: Desh Prem Azad

24. A Street in which foreign country has been named after Mahatma
Gandhi on the occasion of India's 67th Independence Day?
Answer: Canada.

25. Which space telescope built by NASA has stopped its mission of
`searching for habitable planets' after its pointing system broke
down?
Answer: Kepler telescope

26. Nouri-Al-Maliki, the prime minister of …………. recently visited India?
Answer: Iraq

27. Which country's Vice President, Mohammad Karim Khalili was on an
official visit to India?
Answer: Afghanistan

28. Which Indian state has recently enacted anti-superstition law?
Answer: Maharashtra

29. Who became the first woman to take over as Chairman and Managing
Director of HPCL?
Answer: Nishi Vasudeva

30. The airstrip in Ladakh, reopened by the Indian Air Force?
Answer: Daulat Beg Oldi

31. Who won the Formula One Belgian Grand Prix 2013?
Answer: Sebastian Vettel

32. Which Indian classical singer and music director from Odisha
passed away on 25 August?
Answer: Raghunath Panigrahi

33. Which Indian won the Winston-Salem open tennis doubles title along
with his Canadian partner Daniel Nestor?
Answer: Leander Paes

34. The Indian Navy's submarine that sank at the navel dockyard in
Mumbai after fire on board on August 14?
Answer: INS Sindhurakshak

35. Who won this year's Children's Peace prize, instituted by the
Dutch based Kids Rights Foundation?
Answer: Malala Yousafzai

36. Which country's army general, Lt Gen Maqsood Ahmed, has been
appointed as the Military Advisor for United Nations Peace Keeping

operations?
Answer: Pakistan

37. …………… was observed as the International Day for the Remembrance of
the Slave Trade and its abolition?
Answer: August 23

38. On which day was the 50th anniversary of Martin Luther King's
famous `I have a dream' speech celebrated?
Answer: August 28

39. In which country did many people including children die in attacks
using chemical warfare?
Answer: Syria

40. Who heads the Tax Administration Reform Commission (TARC),
recently set up by the Government of India?
Answer: Parthasarathy Shome

41. Facebook and Six other technology firms (Ericson, MediaTek, Nokia,
Opera, Qualcomm and Samsung) have launched an initiative

named ……….. to make internet access affordable for people across the globe?
Answer: Internet. org

42. As a measure to contain the downward trend of Rupee, the
Government of India has banned the duty-free import of …………. by air

travelers?
Answer: Flat Screen Televisions

43. The scientists of which country have recently developed the most
precise clock in the world?
Answer: United States

44. Who won the recently concluded Ashes Cricket test series?
Answer: England

45. Who received this year's Mahatma Gandhi International Award for
Peace and Reconciliation?
Answer: Brigalia Bam

46. Who took over as the President of Zimbabwe for another five year term?
Answer: Robert Mugabe

47. Who won this year's Rajiv Gandhi Khel Ratna Award?
Answer: Ronjon Sodhi

48. Who won this year's Dronacharya Award in connection with Athletics coaching?
Answer: K.P Thomas

49. International Day of the victims of enforced disappearances was
observed on ……………..?
Answer: August 30

50. Who was honoured with the inaugural Mahathir award for Global Peace?
Answer: Nelson Mandela

IMF


IMF is an intergovernmental organization that promotes international economic cooperation. International Monetary Fund (IMF) was set up by 44 nation under the Bretton Woods Agreement of July 1944. This institute was established on 27th December 1945, But it started it’s function on 1st march 1947.

Functions of IMF:

To remove short term deficit in Balance of Payment (BOP).
To maintain the stability in Exchange rate system.
To Focusing in particular on policies that have an impact on the exchange rate.

Important Points to Remember about IMF:

Headquarter at- Washington, D.C. ,United States

Membership- 185 Nations (Founding); 187 Nations (To Date)

The financial year of IMF - 1st May-30th April

The Head of IMF is known as Managing Director.

The head of IMF elected for 5 years. But can be removed earlier.

Present head of IMF - Christine Lagarde [Former finance minister of France]
Latest/ Last Member of IMF- Tuvalu

Quotas and Voting Ranking- India occupy 9th Place in IMF General quotas where USA in 1st, Japan in 2nd, Germany in 3rd Place.

Special Drawing Rights (SDR) - It was created by IMF in 1971. It is also known as Paper Gold.
Cuba left IMF in 1964. Cuba is not a Member of IMF.

1.  NUMBERS
    
IMPORTANT FACTS AND FORMULAE
I..Numeral : In Hindu Arabic system, we use ten symbols 0, 1, 2, 3, 4, 5, 6, 7, 8, 9 called digits to represent any number.
 A group of digits, denoting a number is called a numeral.
 We represent a number, say 689745132 as shown below :

Ten Crores (108)
Crores(107)
Ten Lacs (Millions) (106)
Lacs(105)
Ten Thousands (104)
Thousands (103)
Hundreds (102)
Tens(101)
Units(100)
6
8
9
7
4
5
1
3
2
We read it as : 'Sixty-eight crores, ninety-seven lacs, forty-five thousand, one hundred and thirty-two'.
II  Place Value or Local Value of a Digit in a Numeral :
In the above numeral :
Place value of 2 is (2 x 1) = 2; Place value of 3 is (3 x 10) = 30;
Place value of 1 is (1 x 100) = 100 and so on.
Place value of 6 is 6 x 108 = 600000000        
III.Face Value : The face value of a digit in a numeral is the value of the   digit itself at whatever place it may be. In the above numeral, the face value of 2 is 2; the face value of 3 is 3 and so on.
IV.TYPES OF NUMBERS
1.Natural Numbers : Counting numbers 1, 2, 3, 4, 5,..... are called natural
numbers.
2.Whole Numbers : All counting numbers together with zero form the set of whole
numbers. Thus,
        (i) 0 is the only whole number which is not a natural number.
        (ii) Every natural number is a whole number.
3.Integers : All natural numbers, 0 and negatives of counting numbers i.e.,
{…, -3,-2,-1, 0, 1, 2, 3,…..} together form the set of integers.
(i) Positive Integers : {1, 2, 3, 4, …..} is the set of all positive integers.
(ii) Negative Integers : {- 1, - 2, - 3,…..} is the set of all negative integers.
(iii) Non-Positive and Non-Negative Integers : 0 is neither positive nor
negative. So, {0, 1, 2, 3,….} represents the set of non-negative integers, while
{0, -1,-2,-3,…..} represents the set of non-positive integers.
4.  Even Numbers : A number divisible by 2 is called an even number, e.g., 2, 4, 6, 8, 10, etc.
5.  Odd Numbers : A number not divisible by 2 is called an odd number. e.g., 1, 3, 5, 7, 9, 11, etc.
6.  Prime Numbers : A number greater than 1 is called a prime number, if it has exactly two factors, namely 1 and the number itself.
Prime numbers upto 100 are : 2, 3, 5, 7, 11, 13, 17, 19, 23, 29, 31, 37, 41, 43,
47,  53, 59, 61, 67, 71, 73, 79, 83, 89, 97.
Prime numbers Greater than 100 : Let p be a given number greater than 100. To find out whether it is prime or not, we use the following method :
Find a whole number nearly greater than the square root of p. Let k > *jp. Test whether p is divisible by any prime number less than k. If yes, then p is not prime. Otherwise, p is prime.
e.g,,We have to find whether 191 is a prime number or not. Now, 14 > V191.
Prime numbers less than 14 are 2, 3, 5, 7, 11, 13.
191 is not divisible by any of them. So, 191 is a prime number.
7.Composite Numbers : Numbers greater than 1 which are not prime, are known as composite numbers, e.g., 4, 6, 8, 9, 10, 12.
Note :    (i) 1 is neither prime nor composite.
(ii) 2 is the only even number which is prime.
(iii) There are 25 prime numbers between 1 and 100.
8.  Co-primes : Two numbers a and b are said to be co-primes, if their H.C.F. is 1. e.g., (2, 3), (4, 5), (7, 9), (8, 11), etc. are co-primes,
V.TESTS OF DIVISIBILITY
1.  Divisibility By 2 : A number is divisible by 2, if its unit's digit is any of 0, 2, 4, 6, 8.
Ex. 84932 is divisible by 2, while 65935 is not.
2.  Divisibility By 3 : A number is divisible by 3, if the sum of its digits is divisible by 3.
Ex.592482 is divisible by 3, since sum of its digits = (5 + 9 + 2 + 4 + 8 + 2) = 30, which is divisible by 3.
But, 864329 is not divisible by 3, since sum of its digits =(8 + 6 + 4 + 3 + 2 + 9) = 32, which is not divisible by 3.
3.  Divisibility By 4 : A number is divisible by 4, if the number formed by the last two digits is divisible by 4.
Ex. 892648 is divisible by 4, since the number formed by the last two digits is
48,  which is divisible by 4.
But, 749282 is not divisible by 4, since the number formed by the last tv/o digits is 82, which is not divisible by 4.
4.  Divisibility By 5 : A number is divisible by 5, if its unit's digit is either 0 or 5. Thus, 20820 and 50345 are divisible by 5, while 30934 and 40946 are not.
5.  Divisibility By 6 : A number is divisible by 6, if it is divisible by both 2 and 3. Ex. The number 35256 is clearly divisible by 2.
Sum of its digits = (3 + 5 + 2 + 5 + 6) = 21, which is divisible by 3. Thus, 35256 is divisible by 2 as well as 3. Hence, 35256 is divisible by 6.
6.   Divisibility By 8 : A number is divisible by 8, if the number formed by the last
three digits of the given number is divisible by 8.
Ex. 953360 is divisible by 8, since the number formed by last three digits is 360, which is divisible by 8.
But, 529418 is not divisible by 8, since the number formed by last three digits is 418, which is not divisible by 8.
7.   Divisibility By 9 : A number is divisible by 9, if the sum of its digits is divisible
by 9.
Ex. 60732 is divisible by 9, since sum of digits * (6 + 0 + 7 + 3 + 2) = 18, which is divisible by 9.
But, 68956 is not divisible by 9, since sum of digits = (6 + 8 + 9 + 5 + 6) = 34, which is not divisible by 9.
8.   Divisibility By 10 : A number is divisible by 10, if it ends with 0.
Ex. 96410, 10480 are divisible by 10, while 96375 is not.
9.   Divisibility By 11 : A number is divisible by 11, if the difference of the sum of its digits at odd places and the sum of its digits at even places, is either 0 or a number divisible by 11.
Ex. The number 4832718 is divisible by 11, since :
(sum of digits at odd places) - (sum of digits at even places)
(8 + 7 + 3 + 4) - (1 + 2 + 8) = 11, which is divisible by 11.
10.  Divisibility By 12 ; A number is divisible by 12, if it is divisible by both 4 and
3.
Ex. Consider the number 34632.
(i) The number formed by last two digits is 32, which is divisible by 4,
(ii) Sum of digits = (3 + 4 + 6 + 3 + 2) = 18, which is divisible by 3. Thus, 34632 is divisible by 4 as well as 3. Hence, 34632 is divisible by 12.
11.   Divisibility By 14 : A number is divisible by 14, if it is divisible by 2 as well as 7.
12.  Divisibility By 15 : A number is divisible by 15, if it is divisible by both 3 and 5.
13.  Divisibility By 16 : A number is divisible by 16, if the number formed by the last4  digits is divisible by 16.
Ex.7957536 is divisible by 16, since the number formed by the last four digits is 7536, which is divisible by 16.
14.  Divisibility By 24 : A given number is divisible by 24, if it is divisible by both3  and 8.
15.  Divisibility By 40 : A given number is divisible by 40, if it is divisible by both
5  and 8.
16.  Divisibility By 80 : A given number is divisible by 80, if it is divisible by both 5 and 16.
Note : If a number is divisible by p as well as q, where p and q are co-primes, then the given number is divisible by pq.
If p arid q are not co-primes, then the given number need not be divisible by pq,
even when it is divisible by both p and q.
Ex. 36 is divisible by both 4 and 6, but it is not divisible by (4x6) = 24, since
4  and 6 are not co-primes.





VI   MULTIPLICATION BY SHORT CUT METHODS
1.  Multiplication By Distributive Law :
(i) a x (b + c) = a x b + a x c    (ii) ax(b-c) = a x b-a x c.
Ex.   (i) 567958 x 99999 = 567958 x (100000 - 1)
= 567958 x 100000 - 567958 x 1 = (56795800000 - 567958) = 56795232042. (ii) 978 x 184 + 978 x 816 = 978 x (184 + 816) = 978 x 1000 = 978000.
2.  Multiplication of a Number By 5nPut n zeros to the right of the multiplicand and divide the number so formed by 2n
Ex. 975436 x 625 = 975436 x 54= 9754360000 =   609647600
                                                            16
VII.   BASIC FORMULAE
1. (a + b)2 = a2 + b2 + 2ab                      2. (a - b)2 = a2 + b2 - 2ab
3. (a + b)2 - (a - b)2 = 4ab                       4. (a + b)2 + (a - b)2 = 2 (a2 + b2)
5.  (a2 - b2) = (a + b) (a - b)
6.  (a + b + c)2 = a2 + b2 + c2 + 2 (ab + bc + ca)
7.  (a3 + b3) = (a +b) (a2 - ab + b2)        8. (a3 - b3) = (a - b) (a2 + ab + b2)
9. (a3 + b3 + c3 -3abc) = (a + b + c) (a2 + b2 + c2 - ab - bc - ca)
10. If a + b + c = 0, then a3 + b3 + c3 = 3abc.

VIII.  DIVISION ALGORITHM OR EUCLIDEAN ALGORITHM
If we divide a given number by another number, then :
Dividend = (Divisor x Quotient) + Remainder
IX.     {i) (xn - an ) is divisible by (x - a) for all values of n.
           (ii) (xn - an) is divisible by (x + a) for all even values of n.
           (iii) (xn + an) is divisible by (x + a) for all odd values of n.

X. PROGRESSION
A succession of numbers formed and arranged in a definite order according to certain definite rule, is called a progression.
1. Arithmetic Progression (A.P.) : If each term of a progression differs from its preceding term by a constant, then such a progression is called an arithmetical progression. This constant difference is called the common difference of the A.P.
An A.P. with first term a and common difference d is given by a, (a + d), (a + 2d),(a + 3d),.....
The nth term of this A.P. is given by Tn =a (n - 1) d.
The sum of n terms of this A.P.
Sn = n/2 [2a + (n - 1) d] = n/2   (first term + last term).

SOME IMPORTANT RESULTS :

 (i) (1 + 2 + 3 +…. + n) =n(n+1)/2
(ii) (l2 + 22 + 32 + ... + n2) = n (n+1)(2n+1)/6
(iii)  (13 + 23 + 33 + ... + n3) =n2(n+1)2


2.   Geometrical Progression (G.P.) : A progression of numbers in which every term bears a constant ratio with its preceding term, is called a geometrical progression.
The constant ratio is called the common ratio of the G.P. A G.P. with first term a and common ratio r is :
a, ar, ar2,
In this G.P. Tn = arn-1
sum of the n terms, Sn=   a(1-rn)
                                          (1-r)



SOLVED EXAMPLES


Ex. 1. Simplify :   (i) 8888 + 888 + 88 + 8   
                              (ii) 11992 - 7823 - 456  
Sol.   i )  8888                       ii) 11992 - 7823 - 456 = 11992 - (7823 + 456)
                888                                                            = 11992 - 8279 = 3713-
                  88                                  7823                         11992
         +         8                               +   456                      -   8279
               9872                                  8279                          3713


Ex. 2, What value will replace the question mark in each of the following equations ?
(i) ? - 1936248 = 1635773            (ii) 8597 - ? = 7429 - 4358

Sol.  (i) Let x  - 1936248=1635773.Then, x = 1635773 + 1936248=3572021.                 (ii) Let 8597 - x = 7429 - 4358.
Then, x = (8597 + 4358) - 7429 = 12955 - 7429 = 5526.

 Ex. 3. What could be the maximum value of Q in the following equation?          5P9 + 3R7 + 2Q8 = 1114                     
Sol. We may analyse the given equation as shown :                     1   2     
Clearly, 2 + P + R + Q = ll.                                                           5   P  9
So, the maximum value of Q can be                                                3   R  7
(11 - 2) i.e., 9 (when P = 0, R = 0);                                               2   Q  8
                                                                                                      11  1   4

Ex. 4. Simplify : (i) 5793405 x 9999  (ii) 839478 x 625
Sol.
i)5793405x9999=5793405(10000-1)=57934050000-5793405=57928256595.b

ii) 839478 x 625 = 839478 x 54 = 8394780000 = 524673750.
                                                            16

Ex. 5. Evaluate : (i) 986 x 237 + 986 x 863    (ii) 983 x 207 - 983 x 107

Sol.
(i) 986 x 137 + 986 x 863 = 986 x (137 + 863) = 986 x 1000 = 986000.
(ii) 983 x 207 - 983 x 107 = 983 x (207 - 107) = 983 x 100 = 98300.

Ex. 6. Simplify : (i) 1605 x 1605    ii) 1398 x 1398
Sol.
i) 1605 x 1605 = (1605)2 = (1600 + 5)2 = (1600)2 + (5)2 + 2 x 1600 x 5
                                                               = 2560000 + 25 + 16000 = 2576025.
(ii) 1398 x 1398 - (1398)2 = (1400 - 2)2= (1400)2 + (2)2 - 2 x 1400 x 2
                                                         =1960000 + 4 - 5600 = 1954404.

Ex. 7. Evaluate : (313 x 313 + 287 x 287).
Sol.
 (a2 + b2) = 1/2 [(a + b)2 + (a- b)2]
(313)2 + (287)2 = 1/2 [(313 + 287)2 + (313 - 287)2] = ½[(600)2 + (26)2]
= 1/2 (360000 + 676) = 180338.

Ex. 8. Which of the following are prime numbers ?
(i) 241           (ii) 337         (Hi) 391           (iv) 571
Sol.                             
(i)         Clearly, 16 > Ö241. Prime numbers less than 16 are 2, 3, 5, 7, 11, 13.
             241 is not divisible by any one of them.
         241 is a prime number.
                                   
(ii)        Clearly, 19>Ö337. Prime numbers less than 19 are 2, 3, 5, 7, 11,13,17.          
             337 is not divisible by any one of them.
          337 is a prime number.
(iii)       Clearly, 20 > Ö39l". Prime numbers less than 20 are 2, 3, 5, 7, 11, 13, 17, 19.
           We find that 391 is divisible by 17.
          391 is not prime.
(iv)       Clearly, 24 > Ö57T. Prime numbers less than 24 are 2, 3, 5, 7, 11, 13, 17, 19, 23.
            571 is not divisible by any one of them.
         571 is a prime number.


 Ex. 9. Find the unit's digit in the product (2467)163 x (341)72.
Sol. Clearly, unit's digit in the given product = unit's digit in 7153 x 172.                                 
       Now, 74 gives unit digit 1.
       7152  gives unit digit 1,
  \ 7153  gives unit digit (l x 7) = 7. Also, 172 gives unit digit 1.
       Hence, unit's digit in the product = (7 x 1) = 7.


Ex. 10. Find the unit's digit in (264)102 + (264)103
Sol. Required unit's digit = unit's digit in (4)102 + (4)103.
       Now, 42  gives unit digit 6.
   \(4)102 gives unjt digit 6.
   \(4)103 gives unit digit of the product (6 x 4) i.e., 4.
       Hence, unit's digit in (264)m + (264)103 = unit's digit in (6 + 4) = 0.


 Ex. 11. Find the total number of prime factors in the expression (4)11 x (7)5 x (11)2.
Sol. (4)11x (7)5 x (11)2 = (2 x 2)11 x (7)5 x (11)2 = 211 x 211 x75x 112 = 222 x 75 x112
       Total number of prime factors = (22 + 5 + 2) = 29.

Ex.12. Simplify :    (i) 896 x 896 - 204 x 204
                                (ii) 387 x 387 + 114 x 114 + 2 x 387 x 114
                                (iii) 81 X 81 + 68 X 68-2 x 81 X 68.
Sol.
(i)  Given exp  =  (896)2 - (204)2 = (896 + 204) (896 - 204) = 1100 x 692 = 761200.
(ii) Given exp  = (387)2+ (114)2+ (2 x 387x 114)
                        = a2 + b2 + 2ab,  where a = 387,b=114
                        = (a+b)2 = (387 + 114 )2 = (501)2 = 251001.
(iii) Given exp = (81)2 + (68)2 – 2x 81 x 68 = a2 + b2 – 2ab,Where a =81,b=68
                        =  (a-b)2 = (81 –68)2 = (13)2 = 169.


Ex.13. Which of the following numbers is divisible by 3 ?
(i) 541326                                 (ii) 5967013
Sol.
(i) Sum of digits in 541326 = (5 + 4 + 1 + 3 + 2 + 6) = 21, which is divisible by 3.
Hence, 541326 is divisible by 3.

(ii) Sum of digits in 5967013 =(5+9 + 6 + 7 + 0+1 +3) = 31, which is not divisible by 3.
Hence, 5967013 is not divisible by 3.


Ex.14.What least value must be assigned to * so that the number 197*5462 is r 9 ?
Sol.
Let the missing digit be x.
Sum of digits = (1 + 9 + 7 + x + 5 + 4 + 6 +»2) = (34 + x).
For (34 + x) to be divisible by 9, x must be replaced by 2 .
Hence, the digit in place of * must be 2.



Ex. 15. Which of the following numbers is divisible by 4 ?
(i) 67920594                    (ii) 618703572
Sol.     
(i) The number formed by the last two digits in the given number is 94, which is not divisible by 4.
Hence, 67920594 is not divisible by 4.

(ii) The number formed by the last two digits in the given number is 72, which is divisible by 4.
Hence, 618703572 is divisible by 4.





Ex. 16. Which digits should come in place of * and $ if the number 62684*$ is divisible by both 8 and 5 ?
Sol.     
Since the given number is divisible by 5, so 0 or 5 must come in place of $. But, a number ending with 5 is never divisible by 8. So, 0 will replace $.
Now, the number formed by the last three digits is 4*0, which becomes divisible by 8, if * is replaced by 4.
Hence, digits in place of * and $ are 4 and 0 respectively.


Ex. 17. Show that 4832718 is divisible by 11.
Sol.    (Sum of digits at odd places) - (Sum of digits at even places)
                                          = (8 + 7 + 3 + 4) - (1 + 2 + 8) = 11, which is divisible by 11.
            Hence, 4832718 is divisible by 11.


Ex. 18. Is 52563744 divisible by 24 ?
Sol.  24 = 3 x 8, where 3 and 8 are co-primes.           
        The sum of the digits in the given number is 36, which is divisible by 3. So, the                       given number is divisible by 3.
         The number formed by the last 3 digits of the given number is 744, which is  divisible by 8. So, the given number is divisible by 8.
         Thus, the given number is divisible by both 3 and 8, where 3 and 8 are co-primes.
So, it is divisible by 3 x 8, i.e., 24.


Ex. 19. What least number must be added to 3000 to obtain a number exactly divisible by 19 ?
Sol. On dividing 3000 by 19, we get 17 as remainder.
    \Number to be added = (19 - 17) = 2.


Ex. 20. What least number must be subtracted from 2000 to get a number exactly divisible by 17 ?
Sol. On dividing 2000 by 17, we get 11 as remainder.
     \Required number to be subtracted = 11.


Ex. 21. Find the number which is nearest to 3105 and is exactly divisible by 21.
Sol. On dividing 3105 by 21, we get 18 as remainder.
     \Number to be added to 3105 = (21 - 18) - 3.
        Hence, required number = 3105 + 3 = 3108.




Ex. 22. Find the smallest number of 6 digits which is exactly divisible by 111.
Sol. Smallest number of 6 digits is 100000.
       On dividing 100000 by 111, we get 100 as remainder.
    \Number to be added = (111 - 100) - 11.
        Hence, required number = 100011.-


Ex. 23. On dividing 15968 by a certain number, the quotient is 89 and the remainder is 37. Find the divisor.
                            Dividend - Remainder      15968-37     
Sol.     Divisor = -------------------------- = ------------- = 179.
                                       .Quotient                    89



Ex. 24. A number when divided by 342 gives a remainder 47. When the same number ift divided by 19, what would be the remainder ?
Sol.   On dividing the given number by 342, let k be the quotient and 47 as remainder.
          Then, number – 342k + 47 = (19 x 18k + 19 x 2 + 9) = 19 (18k + 2) + 9.
       \The given number when divided by 19, gives (18k + 2) as quotient and 9 as remainder.


Ex. 25. A number being successively divided by 3, 5 and 8 leaves remainders 1, 4
and 7 respectively. Find the respective remainders if the order of divisors be reversed,
Sol.
3
X

5
y
- 1
8
z
- 4

1
- 7
\z = (8 x 1 + 7) = 15; y = {5z + 4) = (5 x 15 + 4) = 79; x = (3y + 1) = (3 x 79 + 1) = 238.
Now,
8
238

5
29
- 6
3
5
- 4

1
- 9,
\Respective remainders are 6, 4, 2.


Ex. 26. Find the remainder when 231 is divided by 5.
 Sol.    210 = 1024. Unit digit of 210 x 210 x 210 is 4 [as 4 x 4 x 4 gives unit digit 4].
        \Unit digit of 231 is 8.
            Now, 8 when divided by 5, gives 3 as remainder.
            Hence, 231 when divided by 5, gives 3 as remainder.

Ex. 27. How many numbers between 11 and 90 are divisible by 7 ?
Sol.  The required numbers are 14, 21, 28, 35, .... 77, 84.
        This is an A.P. with a = 14 and d = (21 - 14) = 7.
        Let it contain n terms.
        Then, Tn = 84   =>  a + (n - 1) d = 84
                                  =>   14 + (n - 1) x 7 = 84   or n = 11.
     \Required number of terms = 11.


Ex. 28. Find the sum of all odd numbers upto 100.
Sol. The given numbers are 1, 3, 5, 7, ..., 99.
        This is an A.P. with a = 1 and d = 2.
        Let it contain n terms. Then,
        1 + (n - 1) x 2 = 99 or n = 50.
     \Required sum = n (first term + last term)
                                   2
                                = 50 (1 + 99) = 2500.
                                     2


Ex. 29. Find the sum of all 2 digit numbers divisible by 3.
 Sol. All 2 digit numbers divisible by 3 are :
        12, 51, 18, 21, ..., 99.
        This is an A.P. with a = 12 and d = 3.
        Let it contain n terms. Then,
        12 + (n - 1) x 3 = 99 or n = 30.
     \Required sum = 30 x (12+99) = 1665.
                                    2

Ex.30.How many terms are there in 2,4,8,16……1024?
Sol.Clearly 2,4,8,16……..1024 form a GP. With a=2 and r = 4/2 =2.
       Let the number of terms be n  . Then
       2 x 2n-1 =1024 or 2n-1 =512 = 29.
    \n-1=9 or n=10.



Ex. 31. 2 + 22 + 23 + ... + 28 = ?
 Sol.    Given series is a G.P. with a = 2, r = 2 and n = 8.
        \sum =  a(rn-1) = 2 x (28 –1) = (2 x 255) =510

                         (r-1)        (2-1)