Tuesday, March 27, 2012

IBPS QUESTION PAPER


Numerical Ability QUESTION 


1. The sum of three consecutive natural numbers each
divisible by 3 is 72. What is the largest among them?
1. 25 2. 26 3. 27
4. 30 5. 26
Answer: (3)

2. The numerator of a non-zero rational number is five less
than the denominator. If the denominator is increased
by eight and the numerator is doubled, then again we
get the same rational number. The required rational
number is:
1. 1/8 2. 4/9 3. 2/8
4. 3/8 5. 3/8
Answer: (5)

3. Find the greatest number that will divide 640, 710 and
1526 so as to leave 11, 7, 9 as remainders respectively.
1. 36 2. 37
3. 42 4. 29
5. 47
Answer: (2)

4. Jayesh is as much younger than Anil as he is older than
Prashant. If the sum of the ages of Anil and Prashant is
48 years, what is Jayesh’s age in years?
1. 29 2. 30 3. 24
4. 25 5. 28
Answer: (3)
5. A bag contains one rupee, 50-paise and 25-paise coins
in the ratio 2 : 3 5. Their total value is Rs. 114. The
value of 50 paise coins is:
1. Rs. 28 2. Rs. 36
3. Rs. 49 4. Rs. 72
5. Rs. 50
Answer: (1)

6. A tempo is insured to the extent of 4 5 of its original
value. If the premium on it at the rate of 1.3 percent
amounts to Rs. 910, the original value of the tempo is:
1. Rs. 78,000 2. Rs. 78,500
3. Rs. 80,000 4. Rs. 85,000
5. Rs. 87,500
Answer: (5)

7. By selling 45 lemons for Rs. 40, a man loses 20%. How
many should he sell for Rs. 24 to gain 20% in the
transaction?
1. 19 2. 18 3. 24
4. 22 5. 23
Answer: (2)

8. In a ratio, which is equal to 3 : 4, if the antecedent is 12,
then the consequent is:
1. 10 2. 16 3. 20
4. 22 5. 18
Answer: (2)

9. A, B and C are employed to do a piece of work for Rs.
529. A and B together are supposed to do 19/23 of the
work and B and C together 8/23 of the work. What
amount should A be paid?
1. Rs. 320 2. Rs. 345 3. Rs. 355 4.
Rs. 380 5. None of these
Answer: (2)

10. A boy rides his bicycle 10 km at an average speed of 12
km/hr and again travels 12 km at an average speed of
10 km/hr. His average speed for the entire trip is
approximately :
1. 10.4 km/hr 2. 10.8 km/hr
3. 12 km/hr 4. 14 km/hr
5. 13 km/hr
Answer: (2)


12. An automobile financier claims to be lending money at
simple interest, but he includes the interest every six
months for calculating the principal. If he is charging
an interest of 10%, the effective rate of interest
becomes:
1. 13% 2. 10.25% 3. 15%
4. 11% 5. None of these
Answer: (2)

13. A towel, when bleached, was found to have lost 20% of
its length and 10% of its breadth. The percentage of
decrease in area is:
1. 11% 2. 12% 3. 20%
4. 28% 5. 33%
Answer: (4)

14. What is the difference in exports between the periods
March to May and June to August (in $ million)?
1. 418 2. 592 3. 5790
4. 585 5. None of these
Answer: (4)

15. If the exports of company B in the year 2003 were Rs.
77 crore, then, what were the imports of the company
in that year?
1. 86 crore 2. 107.5 crore
3. 103.95 crore 4. 101 crore
5. None of these
Answer: (3)

Sunday, March 25, 2012

WALLPAPER-DEXTOP


























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BANK EXAM SYLLABUS

  • Number Series
  • Alphabet Series
  • Test of Direction Sense
  • Coding-Decoding
  • Number Ranking
  • Arithmetical Reasoning
  • Problem on Age Calculation
  • Blood Relations
  • Analogy
  • Decision Making etc.
NON-VERBAL
  • Non Verbal Series
  • Mirror Images
  • Cubes and Dice
  • Grouping Identical Figures
  • Embedded Figures etc
2. Quantitative Aptitude:
This section tests the quantitative and mathematical skills of the candidate. Questions are asked mainly from the following categories.
  • Number System
  • HCF, LCM
  • Simplification
  • Decimal Fractions
  • Ratio and Proportions
  • Unitary Method
  • Percentage
  • Time and Distance
  • Time and Work
  • Profit and Loss
  • Average
  • Simple and Compound Interest
  • Mensuration (2D and 3D)
  • Algebra
  • Data Interpretation
3. English:
This section is designed to test the language abilities and understanding of English grammar. Questions are asked mainly from the following categories.
  • Verb
  • Adverb
  • Subject Verb Agreement
  • Error Correction
  • Tenses
  • Sentence Rearrangement
  • Fill in the Blanks with Modals, Articles etc
  • Comprehension
  • Answering questions based on Unseen Passages
  • Vocabulary
  • Synonyms
  • Antonyms
4. General Awareness:
This section is checks whether the candidate keep himself/herself up to date with the world around them. Questions are asked mainly from the following categories.
  • Current Affairs (National and International)
  • Major Financial/Economic News
  • Budget and Five Year Plans
  • Who’s Who
  • Sports
  • Books and Authors
  • Awards and Honours
  • Science - Inventions and Discoveries
  • Abbreviations
  • Important Days
  • International and National Organisations
NOTE:- Syllabus may vary from Bank to Bank and from Time to Time. However this broadly covers all the topics one should prepare for Bank PO Examination. This syllabus is valid for bank Probationary Officer Recruitment Exam conducted by State Bank of India (SBI), Bank of Baroda (BOB), Allahabad Bank, ICICI, Corporation Bank, Bank of Maharashtra and other national banks

IBPS PO Syllabus

IBPS PO Exam 2012 has 5 sections of General awareness,Quantitative Aptitude,English Language,Computer Knowledge and Reasoning.These all Sections are Objective type and Each Correct Answer Carry 1 mark.In other hand 1 descriptive Section is there,called English Descriptive Section for 25 Marks.
The 4 Sections have weight age of 200 marks with 200 questions.They are General awareness with reference to banking industry,Computer Knowledge,Reasoning and Quantitative Aptitude.Each section has 50 questions.The English language and descriptive english paper has weight age of 50 marks.Each section has 25 marks of weigh age.

IBPS PO Syllabus,Pattern,Negative marks,selection Process 2012 etc
1.Computer Knowledge-50 marks
2.General Awareness-50 marks
3.Reasoning-50 marks
4.Quantitative Aptitude-50 marks

5.English Language-25 marks

6.Descriptive Paper on English-25 marks
Negative Marks:0.25(1/4)
For each wrong answer 1/4 marks will be reduce from your actual score.

Selection Process:
IBPS will issue score cards for Qualified/Successful candidates,based on cut off marks.After having the Score card,candidates have to attend for interview in any bank at the time of recruitment in each bank.
you can have the all latetst IBPS PO Jobs 2012 list he

IBPS NEW RECRUITMENT-2012


Institute of Banking Personnel Selection
COMMON WRITTEN EXAMINATION [CWE] FOR
RECRUITMENT OF PROBATIONARY OFFICERS/ MANAGEMENT TRAINEES
IN 19 PUBLIC SECTOR BANKS
Email: common@ibpsorg.org Website: www.ibps.in

As a gateway to the ever growing demand for qualified candidates for employment in the 19
Public Sector Banks, on whose behalf CWE is conducted by IBPS, here is the next
opportunity for aspiring candidates.
The 2nd Common Written Examination (CWE-PO/ MT-II) will be conducted by the
Institute of Banking Personnel Selection (IBPS) as a pre-requisite for selection of
personnel for Probationary Officer/ Management Trainee posts in the Public
Sector Banks mentioned below.
This system of Common Written Examination for recruitment of Probationary Officers/
Management Trainees has been approved by the Government of India, has the consent
of the Boards of each of the participating Banks and the Managing Committee of the
Indian Banks’ Association (IBA).
IBPS, an autonomous body, has been authorised by IBA and has received a mandate
from the 19 Public Sector Banks listed below to conduct the Common Written
Examination. The CWE for Probationary Officer/ Management Trainee posts will be
conducted twice a year by IBPS.
A PARTICIPATING BANKS
Allahabad Bank Indian Overseas Bank
Andhra Bank Oriental Bank of Commerce
Bank of Baroda Punjab National Bank
Bank of India Punjab & Sind Bank
Bank of Maharashtra Syndicate Bank
Canara Bank UCO Bank
Central Bank of India Union Bank of India
Corporation Bank United Bank of India
Dena Bank Vijaya Bank
Indian Bank
The scores awarded to qualified candidates are also likely to be used by a few other Banks
and Financial Institutions like IDBI, ECGC etc. for selection for entry level Officers’ posts.
Candidates will however have to satisfy the eligibility criteria for these organizations as
individually stipulated by them.
As per the procedure for recruitment, all individuals who aspire to join any of the above
Public Sector Banks as Probationary Officers/ Management Trainees will necessarily be
required to take the CWE. Prospective candidates who wish to appear for the CWE
will have to apply to IBPS after carefully reading the advertisement regarding
eligibility criteria, online registration process, pattern of examination, issuance of
call letters and score cards.
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Candidates who appear for the CWE will be able to check their qualifying status after
the examination. Scorecards will be issued only to those candidates who secure
minimum qualifying marks and above in each test of the examination.
Successful candidates in the CWE who have been issued scorecards and who meet the
stipulated eligibility criteria will then be required to apply to any of the participating
banks they wish to, quoting their personal details and their CWE scores. Each bank will
then individually shortlist candidates and carry out their own selection processes such as
Group Discussions and/ or Interviews etc. for final selection.
B. ELIGIBILITY CRITERIA (as on 01.01.2012)
Prospective Candidates should ensure that they fulfill the minimum eligibility criteria
specified by IBPS before applying for the Common Written Examination (CWE):
I. Nationality / Citizenship:
A candidate must be either -
(i) a Citizen of India or
(ii) a subject of Nepal or
(iii) a subject of Bhutan or
(iv) a Tibetan Refugee who came over to India before 1st January 1962 with the
intention of permanently settling in India or
(v) a person of Indian origin who has migrated from Pakistan, Burma, Sri Lanka,
East African countries of Kenya, Uganda, the United Republic of Tanzania
(formerly Tanganyika and Zanzibar), Zambia, Malawi, Zaire, Ethiopia and
Vietnam with the intention of permanently settling in India,
provided that a candidate belonging to categories (ii), (iii), (iv) & (v) above shall be a
person in whose favour a certificate of eligibility has been issued by the Government of
India.
II Age (As on 01.01.2012):
Minimum: 20 Years Maximum: 30 Years
The maximum age limit specified is applicable to General Category candidates.
Relaxation of Upper age limit
Sr. No. Category Age relaxation
1 Scheduled Caste/Scheduled Tribe 5 years
2 Other Backward Classes (Non-Creamy Layer) 3 years
3 Persons With Disabilities 10 years
4 Ex-Servicemen, Commissioned Officers including Emergency 5 years
Each participating Public Sector Bank will independently issue a separate
recruitment notification, specifying their vacancies and stipulating their respective
eligibility criteria in terms of age, educational qualification, experience (if any),
minimum required level of IBPS score in each component test plus Total Weighted
Standard Score (if any) etc.
Please note that the eligibility criteria specified herein are the basic criteria for
applying to various Public Sector Banks. However merely applying for CWE/
appearing for and qualifying in the examination does not imply that a candidate
will necessarily be eligible for employment in all or any of the 19 Public Sector
Banks as each Bank will stipulate its own eligibility/ qualifying criteria.
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Commissioned Officers (ECOs)/ Short Service Commissioned
Officers (SSCOs) who have rendered at least 5 years military
service and have been released on completion of assignment
(including those whose assignment is due to be completed within
one year from the last date of receipt of application) otherwise than
by way of dismissal or discharge on account of misconduct or
inefficiency or physical disability attributable to military service or
invalidment
5 Persons ordinarily domiciled in the Kashmir Division of the State
of Jammu & Kashmir during the period 01.01.1980 to 31.12.1989
5 years
6 Persons affected by 1984 riots 5 years
7 Persons who have completed 5 years of service in RRBs 5 years
8 Clerical Employees of Participating PSBs (relaxation is as applicable
only to employees of those Banks where relaxation is available and to the
extent of the respective Bank’s policy)
6 years
Note: (i) In case of a candidate who is eligible for relaxation under more than one of
the above categories the age relaxation will be available on a cumulative
basis with any one of the remaining categories for which age relaxation is
permitted as mentioned above.
(ii) Candidates seeking age relaxation will be required to submit copies of
necessary certificate(s) at the time of Interview conducted by a particular
Bank, if called by the Bank.
(iii) Ex-Servicemen candidates who have already secured employment under the
Central Government in Group ‘C’ & ‘D’ will be permitted the benefit of age
relaxation as prescribed for Ex-Servicemen for securing another
employment in a higher grade or cadre in Group ‘C’/ ‘D’ under the Central
Government. However, such candidates will not be eligible for the benefit of
reservation for Ex-Servicemen in Central Government jobs.
(iv) An Ex-Servicemen who has once joined a Government job on civil side after
availing of the benefits given to him as an Ex-Servicemen for his reemployment,
his Ex-Servicemen status for the purpose of the reemployment
in Government ceases.
DEFINITION OF PERSONS WITH DISABILITIES
Under Section 33 of the Persons with Disabilities (Equal Opportunities, Protection of
Rights and Full Participation) Act 1995 only such persons would be eligible for
reservation who suffer from not less than 40% of relevant disability and are certified by
a Medical Board appointed by the Central/State Govt.
Accordingly, candidates with the following disabilities are eligible to apply. Applicants
claiming such benefits should produce certificate in original in support of their claim at
the time of Interview conducted by a particular Bank, if called by the Bank
Visually Impaired (VI)
Blindness refers to condition where a person suffers from any of the following
conditions namely (1) Total absence of sight, (ii) Visual acuity not exceeding 6/60 or
20/200 (snellen) in the better eye with correcting lenses. (iii) Limitation of the field of
vision subtending in angle of 20 degrees or worse.
Low vision means a person with impairment of visual functioning even after treatment
or standard refractive connection but who uses or is potentially capable of using vision
for the planning of execution of a task with appropriate assistive device.
4
Deaf & Hearing Impaired (HI)
The deaf are those persons in whom the sense of hearing is non- functional for ordinary
purposes of life i.e. total loss of hearing in both ears. They do not hear, understand
sounds at all even with amplified speech. Hearing impairment means loss of sixty
decibels or more in the better ear in the conversational range of frequencies.
Orthopaedically Challenged (OC)
Locomotor Disability means disability of bones, joints or muscles leading to substantial
restriction of the movement of the limbs or any form of cerebral palsy.
Cerebral Palsy means a group of non-progressive conditions of person characterized by
abnormal motor control posture resulting from brain insult or injuries occurring in the
pre-natal, peri-natal or infant period of development.
All the cases of Orthopaedically Challenged Persons would be covered under the
category of ‘Locomotor disability or cerebral palsy’.
Guidelines for Persons With Disabilities using a Scribe
The visually impaired candidates and candidates whose writing speed is affected by
cerebral palsy can use their own scribe at their cost during the written examination. In all
such cases where a scribe is used, the following rules will apply:
The candidate will have to arrange his own scribe at his/her own cost.
The academic qualification of the scribe should be one grade lower than the stipulated
criteria.
The scribe may be from any academic stream.
Both the candidates as well as scribes will have to give a suitable undertaking
confirming that the scribe fulfils all the stipulated eligibility criteria for a scribe
mentioned above. Further incase it later transpires that he/she did not fulfill any laid
down eligibility criteria or suppressed material facts the candidature of the applicant will
stand cancelled, irrespective of the result of the written examination.
Such candidates who use a scribe shall be eligible for extra time of 20 minutes for every
hour of the examination.
C. EDUCATIONAL QUALIFICATIONS (as on 01.01.2012)
A degree in any discipline from a recognized University or any equivalent qualification
recognized as such by the Central Government.
D. WRITTEN EXAMINATION
Written Examination Structure:-
Sr.
No.
Name of Tests (Objective) No. of
Questions
Maximum
Marks
Duration
1 Reasoning 50 50
Composite
Time of
150 minutes
2 English Language 50 25
3 Quantitative Aptitude 50 50
4 General Awareness
(with special reference to Banking Industry)
50 50
5 Computer Knowledge 50 50
Descriptive Paper on English Composition
(Essay, Precis, Letter Writing etc)
25 60 Minutes
Total 250 250
5
The above tests except the Test of English Language and Descriptive Paper on English
Composition will be printed bilingually, i.e. English and Hindi.
The Descriptive Papers of only those candidates who secure minimum qualifying
marks in each of the objective tests will be evaluated.
Other detailed information regarding the written examination will be given in an
Information Handout, on IBPS website which will be made available for the
candidates to download along with the call letter.
E. PENALTY FOR WRONG ANSWERS
There will be penalty for wrong answers marked in the Objective Test. For each
question for which a wrong answer has been given by the candidate one fourth or 0.25 of
the marks assigned to that question will be deducted as penalty to arrive at corrected
score. If for any question a candidate gives more than one answer, it will be treated as
wrong even if one of the given answers happens to be right and there will be the same
penalty of 0.25 of the marks assigned to that question deducted as penalty. If a question
is left blank, i.e. no answer is given by the candidate, there will be no penalty for that
question.
F. STANDARDIZED SCORES
The corrected scores obtained by each of the candidates will further be converted into
standardized scores following Linear Conversion Method. If the total for a test is in
fraction, the marks obtained will be rounded off to the nearest integer, i.e. if fraction
exceeds by 0.50 or more, it will be rounded off to next higher integer.
G. CUTOFF SCORE
Each candidate will have to secure a minimum standardized score in each of the tests to
qualify in the written examination and to be considered for vacancies in the participating
banks. The cut-off points will be decided based on the average (Average – ¼ Standard
Deviation for General category candidates and Average – ¾ Standard Deviation for
Reserved Category candidates).
H. CWE SCORE CARD
IBPS will print the Score Cards for each of the qualifying candidates and will send the
same by Registered/ Speed post to each candidate at the correspondence address
specified in his/ her online application.
I. VALIDITY OF CWE SCORE CARD
The scores awarded to candidates, who qualify in CWE-PO/MT-II, will be valid for one year
from the date of issuance of the scorecard and will be considered for recruitment exercises
during that period. Candidates who have been declared as qualified in the previous CWE (I) are
also permitted to apply, if they wish to improve their scores and/or keep the scores valid for a
further period of 1 year from the date of issuance of scorecards of this CWE (CWE-PO/MT-II).
6
J. EXAMINATION CENTERS
(i) The written examination will be conducted in venues across many centres in
India. The list of Written Examination centres is available in Annexure I.
(ii) IBPS, however, reserves the right to delete any of the Examination Centres and/
or add some other Centres, depending upon the response, administrative
feasibility, etc.
(iii) As far as possible candidates will be allotted to a centre of his/her choice
however IBPS also reserves the right to allot the candidate to any of the Centre
other than the one he/she has opted for.
(iv) Candidate will appear in the written examination from a Examination Centre at
his/her own risks and expenses and IBPS will not be responsible for any injury or
losses etc. of any nature.
(v) No request for change of centre for Written Examination shall be entertained.
K. PRE-EXAMINATION TRAINING
It is proposed to impart Pre-Examination Training to a limited number of
candidates belonging to Scheduled Caste/ Scheduled Tribes/ Minority
Communities at some centers viz. Agartala, Agra, Ahmedabad, Allahabad,
Amritsar, Aurangabad, Balasore, Bareilly, Behrampur (Ganjam), Bengaluru,
Bhopal, Bhubaneshwar, Chandigarh, Chennai, Coimbatore, Dehradun, Dhanbad,
Gorakhpur, Guwahati, Gulbarga, Hubli, Hyderabad, Indore, Jabalpur, Jaipur,
Jammu, Jodhpur, Kanpur, Karnal, Kavaratti, Kochi, Kolkata, Lucknow,
Ludhiana, Madurai, Mangalore, Mumbai, Muzaffarpur, Mysore, Nagpur, New
Delhi, Panaji (Goa), Patiala, Patna, Port Blair, Puducherry, Pune, Raipur, Rajkot,
Ranchi, Rohtak, Sambalpur, Shimla, Shillong, Siliguri, Thiruchirapalli,
Thiruvananthapuram, Tirupati, Vadodara, Varanasi, Vijaywada and
Vishakhapatnam .
All eligible candidates who wish to avail of Pre-Examination Training should fill
in the relevant column in the ON-LINE APPLICATION. All expenses regarding
traveling, boarding, lodging etc. will have to be borne by the Candidate for
attending the pre-examination training programme at the designated Centers.
IBPS, however, reserves the right to cancel any of the Pre- Examination Training
Centres and/ or add some other Centres and/ or make alternate arrangements,
depending upon the response, administrative feasibility, etc.
Merely attending Pre-Examination Training does not necessarily imply a
candidate’s right to be selected in any of the 19 participating Public Sector Bnaks
mentioned.
L. HOW TO APPLY
Candidates can apply online only from 09.03.2012 to 30.03.2012 and no other mode
of application will be accepted.
Pre-Requisites for Applying Online
Before applying online, candidates should--
(i) scan their photograph and signature ensuring that both the photograph and
signature are within the required specifications as given in the Advertisement.
7
(ii) Keep the necessary details/documents ready if desired to make online payment
of the requisite application fee/ intimation charges (In case of Offline Payment
i.e. CBS candidates have to apply online, obtain a fee payment challan and then
remit the necessary application fees/ intimation charges).
(iii) have a valid personal email ID, which should be kept active till the declaration of
results of this round of CWE. IBPS may send call letters Written Examination
etc. through the registered e-mail ID. Under no circumstances, a candidate
should share/mention e-mail ID to / of any other person. In case a candidate does
not have a valid personal e-mail ID, he/she should create his/her new e-mail ID
before applying on-line and must maintain that email account.
Application Fees/ Intimation Charges (Payable from 09.03.2012 to 30.03.2012 (Online
payment) and 12.03.2012 to 07.04.2012 (Offline payment) both dates inclusive)
- Rs. 50/- for SC/ST/PWD candidates.
- Rs. 450 /- for all others
Bank Transaction charges for Offline/ Online Payment of fees/ intimation charges will have to
be borne by the candidate
(1) Candidates are first required to go to the IBPS’s website www.ibps.in and click on the
Home Page to open the link “Common Written Examination” and then click on the option
“CLICK HERE TO APPLY ONLINE FOR CWE- PROBATIONARY OFFICER/
MANAGEMENT TRAINEES (IBPS-CWE-PO/MT-II) JUNE 2012” to open up the On-
Line Application Form.
(2) Candidates will have to enter their basic details and upload the photograph and signature
in the online application form. Candidates are required to upload their photograph and
signature as per the specifications given in the Guidelines for Scanning and Upload of
Photograph and Signature (Annexure II).
Mode of Payment
Candidates have the option of:
(1) ONLINE MODE of payment of requisite fees / intimation charges
or
(2) OFFLINE MODE of payment of requisite fees/ intimation charges
payment of fees / intimation charges through CBS branches of any one of the
following 6 Public Sector Banks
Bank of Baroda , Bank of India, Central Bank of India, Indian Overseas Bank,
Punjab National Bank, United Bank of India
(1) Payment of fees/ intimation charges via the ONLINE MODE
(i) Candidates should carefully fill in the details in the On-Line Application at the
appropriate places very carefully and click on the “SUBMIT” button at the end of the
On-Line Application format. Before pressing the “SUBMIT” button, candidates are
advised to verify every field filled in the application. The name of the candidate or his
/her father/husband etc. should be spelt correctly in the application as it appears in the
certificates/mark sheets. Any change/alteration found may disqualify the candidature.
(ii) The application form is integrated with the payment gateway and the payment process
can be completed by following the instructions.
(iii) The payment can be made by using only Master/ Visa Debit or Credit cards or Internet
Banking by providing information as asked on the screen.
8
(iv) In case candidates wish to pay fees/ intimation charges through the online payment
gateway after the upload of photograph and signature an additional page of the
application form is displayed wherein candidates may follow the instructions and fill in
the requisite details.
(v) If the online transaction has been successfully completed a Registration Number and
Password will be generated. Candidates should note their Registration Number and
Password for future reference.
(vi) If the online transaction has not been successfully completed then the following message
is displayed ‘Your online transaction was unsuccessful. Please register again’
Candidates may then revisit the ‘Apply Online’ link and fill in their application details
again.
(vii) On successful completion of the transaction, an e-receipt will be generated.
(viii) Candidates are required to take a print of the e-receipt.
Note:
o After submitting your payment information in the online application form, please wait
for the intimation from the server, DO NOT press Back or Refresh button in order to
avoid double charge
o For Credit Card users: All prices are listed in Indian Rupee. If you use a non-Indian
credit card, your bank will convert to your local currency based on prevailing exchange
rates.
o To ensure the security of your data, please close the browser window once your
transaction is completed.
(2) OFFLINE MODE (at counters of specified Bank branches):
Payment of fee/ intimation charges through CBS branches any one of the following 6 Public
Sector Banks-
Bank of Baroda, Bank of India, Central Bank of India, Indian Overseas Bank,
Punjab National Bank, United Bank of India
Candidates should carefully fill in the details in the On-Line Application at the
appropriate places very carefully and click on the “SUBMIT” button at the end of the
On-Line Application format. Before pressing the “SUBMIT” button, candidates are
advised to verify every field filled in the application. A Provisional Registration Number
and Password will be generated by the system and displayed on the screen. Candidate
should note down the Registration Number and Password. An Email & sms indicating
the Provisional Registration number and Password will be sent. The name of the
candidate or his /her father/husband etc. should be spelt correctly in the application as it
appears in the certificates/mark sheets. Any change/alteration found may disqualify the
candidature.
In case the candidate is unable to fill in the application form in one go, he/ she can save
the data already entered. When the data is saved, a provisional registration number and
password will be generated by the system and displayed on the screen. Candidate should
note down the registration number and password. An Email & sms indicating the
Provisional Registration number and Password will be sent. They can reopen the saved
data using registration number and password and edit the particulars, if needed. This
facility will be available for three times only. Once the application is filled in
completely, candidate should submit the data. Candidates to take a printout of the system
9
generated fee payment challan immediately. No change/edit will be allowed after
submission thereafter.
The registration at this stage is provisional.
Fee Payment: Fee payment will be accepted from 2nd working day after registration and
can be made within three working days. System generated fee payment challan will be
used for depositing fee. (For example: If one has registered on 10.03.2012, then he/she
will be able to deposit the fee from 13.03.2012 to 15.03.2012, considering 11.03.2012 is a
non- working day). Once fee has been paid, the registration process is completed.
Candidate will receive registration confirmation by SMS/e-mail after two working days
from the date of payment of fees/ intimation charges. Please ensure to furnish correct
Mobile number / e-mail address to receive the registration confirmation.
Note- - There is also a provision to reprint the submitted application containing fee
details, three days after fee payment.
After completing the procedure of applying on-line including payment of fees, the
candidate should take a printout of the system generated on-line application form three
days after fee payment, ensure the particulars filled in are accurate and retain it along
with Registration Number and Password for future reference. They should not send this
printout to the IBPS/ Banks.
No acknowledgment will be given for online registration. However a Registration Number and
Password will be generated and an email/ sms intimation will be sent to the candidate’s email
ID/ Mobile Number specified in the online application form. If candidates do not receive the
email and sms intimations at the email ID/ Mobile number specified by them, they may
consider that their online application has not been successfully registered.
An online application which is incomplete in any respect such as without photograph and
signature uploaded in the online application form will not be considered as valid.
Request for change/correction in any particulars in the Application Form shall not be
entertained under any circumstances after the last date specified for submitting the
application details. IBPS will not be responsible for any consequences arising out of
furnishing of incorrect and incomplete details in the application or omission to provide the
required details in the application form.
Candidates are advised in their own interest to apply on-line much before the closing date
and not to wait till the last date for depositing the fee to avoid the possibility of
disconnection/inability/failure to log on the IBPS’s website on account of heavy load on
internet/website jam.
Please note that all the particulars mentioned in the online application including
Name of the Candidate, Category, Date of Birth, Address, Email ID, Centre of
Examination etc. will be considered as final and no modifications will be allowed after
submission of the online application form. Candidates are hence requested to fill in
the online application form with the utmost care as no correspondence regarding
change of details will be entertained.
10
IBPS does not assume any responsibility for the candidates not being able to submit their
applications within the last date on account of the aforesaid reasons or for any other
reason beyond the control of the IBPS.
Please note that the above procedure is the only valid procedure for applying. No other
mode of application or incomplete steps would be accepted and such applications would be
rejected.
Any information submitted by an applicant in his/ her application will bind the candidate
personally and if found to be false shall be liable for prosecution apart from consequences in
civil law as may be deemed requisite.
M. GENERAL INSTRUCTIONS
(1) Candidates have to submit the written examination call letter and a photocopy of
photo-identity proof at the time of written examination.
(2) Before applying for the CWE for Probationary Officer/ Management Trainee posts in
the 19 participating Public Sector Banks, the candidate should ensure that he/she fulfils
the eligibility and other norms mentioned in this advertisement. Candidates are therefore
to carefully read this advertisement and follow all the instructions given for submitting
online application.
(3) IBPS would be free to reject any application, at any stage of the process, if the candidate
is found ineligible as per the stipulated eligibility criteria. Decision of the IBPS in all
matters regarding eligibility of the candidate, the stages at which such scrutiny of
eligibility is to be undertaken, qualifications and other eligibility norms, the documents
to be produced for the purpose of the conduct of Written Examination etc. and any other
matter relating to the CWE will be final and binding on the candidate. No
correspondence or personal enquiries shall be entertained by the IBPS in this behalf.
(4) Not more than one application should be submitted by any candidate. Multiple
Applications/Registrations will be summarily rejected and the application fee forfeited.
(5) Online applications once registered will not be allowed to be withdrawn and/or the
application fee, postage charges once paid will not be refunded nor be held in reserve for
any other examination.
(6) Any resulting dispute arising out of this advertisement including the recruitment
process shall be subject to the sole jurisdiction of the Courts situated at Mumbai.
(7) Canvassing in any form will be a disqualification.
(8) In case it is detected at any stage that a candidate does not fulfill the eligibility norms
and/or that he/she has furnished any incorrect/false information/certificate/documents or
has suppressed any material fact(s), his/her candidature will stand cancelled. If any of
these shortcomings is/are detected even after appointment in a Bank, his/her services are
liable to be terminated.
(9) Any request for change of address will not be entertained.
(10) In case any dispute arises on account of interpretation of version other than English,
English version available on IBPS website will prevail.
11
(11) A Candidate’s admission to the examination is strictly provisional. The mere fact that
the call letter has been issued to the candidate does not imply that his/ her candidature
has been finally cleared by the IBPS.
(12) Candidates should ensure that the signatures appended by them in all the places viz. in
their call letter, attendance sheet etc. and in all correspondences with the IBPS/ Bank in
future should be identical and there should be no variation of any kind.
N. Use of Mobile Phones, pagers, calculator or any such devices:
(a) Mobile phones, pagers or any other communication devices are not allowed inside
the premises where the examination is being conducted. Any infringement of these
instructions shall entail cancellation of candidature and disciplinary action
including ban from future examinations.
(b) Candidates are advised in their own interest not to bring any of the banned item
including mobile phones/ pagers to the venue of the examination, as arrangement
for safekeeping cannot be assured.
(c) Candidates are not permitted to use or have in possession of calculators in
examination premises.
P. CALL LETTERS FOR WRITTEN EXAMINATION
The date of the Written Examination has been tentatively fixed for 17.06.2012 (Sunday).
However, the date of Examination shall be intimated in the Call Letter along with the
Centre/Venue address.
All eligible candidates should download their call letter from the IBPS’s website
www.ibps.in by entering his / her details i.e. Registration Number and Password/Date of
O. Action Against Candidates Found Guilty of Misconduct
Candidates are advised in their own interest that they should not furnish any particulars that are
false, tampered, fabricated and should not suppress any material information while submitting
online application. At the time of written examination, if a candidate is (or has been ) found
guilty of – (i) using unfair means during the examination or subsequent selection procedure or
(ii) impersonating or procuring impersonation by any person or (iii) misbehaving in the
examination hall or taking away the question booklet (or any part thereof ) / answer sheet from
the examination hall or (iv) resorting to any irregular or improper means in connection with
his/ her candidature or (v) obtaining support for his/ her candidature by unfair means, for
selection such a candidate may, in addition to rendering himself/ herself liable to criminal
prosecution, be liable :
To be disqualified from the examination for which he/ she is a candidate.
To be debarred either permanently or for a specified period from any examination
conducted by IBPS.
For termination of service, if he/ she has already joined the Bank.
Important:
IBPS would be analyzing the responses (answers) of individual candidates with other
candidates to detect patterns of similarity of right and wrong answers. If as per the laid
down norms, the analytical procedure adopted by IBPS in this regard, it is suspected
that the responses have been shared and scores obtained are not genuine/ valid, IBPS
reserves right to cancel his/ her candidature and the result of such candidates
(disqualified) will be withheld.
12
Birth, after 04.06.2012. The Information Handout is also available on IBPS website and
candidates may download the same. No hard copy of the call letter/ Information
Handout will be sent by post/ courier.
Candidates have to bring their Written Examination call letter along with their
photo identity proof in original as well as a photocopy while attending the written
examination and will have to submit the Written Examination call letter and
photocopy of photo-identity proof in the examination hall.
Identity Verification
In the examination hall, the call letter along with a photocopy of the candidate’s photo
identity such as PAN Card/ Passport/ Driving Licence/ Voter’s Card/ Bank Passbook
with photograph/ Photo identity proof issued by a Gazzetted Officer/ People’s
Representative along with a photograph / Identity Card issued by a recognised college/
university/ Aadhar card with a photograph/ Employee ID should be submitted to the
invigilator for verification. The candidate’s identity will be verified with respect to
his/her details on the call letter and in the Attendance List. If identity of the candidate
is in doubt the candidate may not be allowed to appear for the Written
Examination.
Note: Candidates have to submit photocopy of the photo identity proof along with
Examination Call Letter while attending the written examination, without which they
will not be allowed to take up the examination.
This advertisement is also available on IBPS’s website address www.ibps.in
Candidates are advised to remain in touch with IBPS’s website for any information
which may be put for further guidance.
Decision of the IBPS in respect of all matters pertaining to this examination would be
final and binding on all candidates.
Start date for Online Registration 09.03.2012
Online Payment of Application Fees 09.03.2012 to 30.03.2012
(both dates inclusive)
Offline Payment of Application Fees 12.03.2012 to 07.04.2012
(both dates inclusive)
Last date for Online Registration 30.03.2012
Last date for Editing (prior to submission of
online application) Application Details
01.04.2012
Download of Call letter for Written Examination After 04.06.2012
Tentative Date of Written Examination 17.06.2012
Mumbai Director
28.02.2012 IBPS
Please note that candidates will not be permitted to appear for the Common
Written Examination without the following documents:
(1) Call Letter for Written Examination
(2) Photo-identity proof (as specified) in original and
(3) Photocopy of photo-identity proof (as mentioned in (2) above
Candidates reporting late i.e. after the reporting time specified on the call letter for
Written Examination will not be permitted to take the examination.
13
ANNEXURE I
EXAMINATION CENTERS
The written examination will be held at the following centers and the address of the
venue will be advised in the call letters:
State Code State /UT Centre
11 Andaman & Nicobar Port Blair
12 Andhra Pradesh Guntur
Hyderabad
Karimnagar
Rajahmundry
Tirupati
Vijaywada
Vishakhapatnam
13 Arunachal Pradesh Itanagar
14 Assam Dibrugarh
Guwahati
Jorhat
Silchar
15 Bihar Bhagalpur
Muzaffarpur
Patna
16 Chandigarh Chandigarh
17 Chattisgarh Raipur
18 Dadra & Nagar Haveli Bulsar
19 Daman & Diu Bulsar
Jamnagar
20 Goa Panaji
21 Gujarat
Ahmedabad
Bhavnagar
Bulsar
Jamnagar
Rajkot
Surat
Vadodara
22 Haryana Hissar
Karnal
Panchkula
Rohtak
23 Himachal Pradesh Dharamsala
Mandi
Shimla
24 Jammu & Kashmir Jammu
25 Jharkhand Bokaro
Dhanbad
Jamshedpur
Ranchi
14
26 Karnataka Belgaum
Bengaluru
Gulbarga
Hubli
Mangalore
Mysore
27 Kerala
Kannur
Kochi
Kottayam
Kozhikode
Thrichur
Thiruvananthapuram
28 Lakshwadweep Kavarrati
29 Madhya Pradesh Bhopal
Gwalior
Indore
Jabalpur
30 Maharashtra Aurangabad
Kolhapur
Mumbai
Nagpur
Nasik
Pune
Solapur
31 Manipur Imphal
32 Meghalaya Shillong
33 Mizoram Aizawl
34 Nagaland Kohima
35 New Delhi New Delhi
36 Orissa Balasore
Berhampur(Ganjam)
Bhubaneshwar
Cuttack
Sambalpur
37 Puducherry Puducherry
38 Punjab Amritsar
Bhatinda
Jalandhar
Ludhiana
Mohali
Patiala
39 Rajasthan Ajmer
Jaipur
Jodhpur
Kota
Udaipur
40 Sikkim Gangtok
15
41 Tamilnadu Chennai
Coimbatore
Madurai
Salem
Thiruchirapalli
Tirunelvelli
42 Tripura Agartala
43 Uttar Pradesh Agra
Allahabad
Bareilly
Gorakhpur
Kanpur
Lucknow
Meerut
Varanasi
44 Uttarakhand Dehradun
Rudrapur
45 West Bengal Berhampur (West Bengal)
Durgapur
Kolkata
Siliguri
16
Annexure II
Guidelines for scanning and Upload of Photograph & Signature
Before applying online a candidate will be required to have a scanned (digital) image of
his/her photograph and signature as per the specifications given below.
Photograph Image:
- Photograph must be a recent passport style colour picture.
- Make sure that the picture is in colour, taken against a light-coloured, preferably
white, background.
- Look straight at the camera with a relaxed face
- If the picture is taken on a sunny day, have the sun behind you, or place yourself in
the shade, so that you are not squinting and there are no harsh shadows
- If you have to use flash, ensure there's no "red-eye"
- If you wear glasses make sure that there are no reflections and your eyes can be
clearly seen.
- Caps, hats and dark glasses are not acceptable. Religious headwear is allowed but it
must not cover your face.
- Dimensions 200 x 230 pixels (preferred)
- Size of file should be between 20kb–50 kb
- Ensure that the size of the scanned image is not more than 50KB. If the size of the
file is more than 50 KB, then adjust the settings of the scanner such as the DPI
resolution, no. of colours etc., during the process of scanning.
Signature Image:
- The applicant has to sign on white paper with Black Ink pen.
- The signature must be signed only by the applicant and not by any other person.
- The signature will be used to put on the Hall Ticket and wherever necessary.
- If the Applicant’s signature on the answer script, at the time of the examination,
does not match the signature on the Hall Ticket, the applicant will be disqualified.
- Dimensions 140 x 60 pixels (preferred)
- Size of file should be between 10kb – 20kb
- Ensure that the size of the scanned image is not more than 20KB
Scanning the photograph & signature:
- Set the scanner resolution to a minimum of 200 dpi (dots per inch)
- Set Color to True Color
- File Size as specified above
- Crop the image in the scanner to the edge of the photograph/signature, then use the
upload editor to crop the image to the final size (as specified above).
- The image file should be JPG or JPEG format. An example file name is :
image01.jpg or image01.jpeg Image dimensions can be checked by listing the folder
files or moving the mouse over the file image icon.
- Candidates using MS Windows/MSOffice can easily obtain photo and signature in
.jpeg format not exceeding 50KB & 20KB respectively by using MS Paint or
MSOffice Picture Manager. Scanned photograph and signature in any format can be
saved in .jpg format by using ‘Save As’ option in the File menu and size can be
17
reduced below 50KB(photograph) & 20KB(signature) by using crop and then resize
option (Please see point (i) & (ii) above for the pixel size) in the ‘Image’ menu.
Similar options are available in other photo editor also.
- If the file size and format are not as prescribed, an error message will be displayed.
- While filling in the Online Application Form the candidate will be provided with a
link to upload his photograph and signature.
Procedure for Uploading the Photograph and Signature
- There will be two separate links for uploading Photograph and Signature
- Click on the respective link “Upload Photograph / Signature”
- Browse and Select the location where the Scanned Photograph / Signature file has
been saved.
- Select the file by clicking on it
- Click the ‘Upload’ button
Your Online Application will not be registered unless you upload your photograph
and signature as specified.
Note:
(1) In case the face in the photograph or signature is unclear the candidate’s
application may be rejected.
(2) After registering online candidates are advised to take a printout of their system
generated online application forms.
(3) In case the photograph or signature is unclear, the candidate may edit his
application and re-upload his photograph or signature.

IBPS QUESTION PAPER


  1. How many number s are there between 200 and 300 in which 9 occurs only once?
a. 19                      b. 20                c.21                             d. 18
  1. An amount of Rs.417 is divided among A, B, C and D such that A gets Rs.13 more than B, B gets Rs.9 more than C and C gets Rs.6 more than D. A’s share is
a. 121                    b. 116              c. 120                          d.124
  1. Manju took Rs. 20000 at 5% SI for 2 years and invested it at 4% CI for same period. Find her gain/loss.
a. Rs. 368 gain       b. Rs.423 gain  c. Rs. 368 loss                        d. Rs. 200 gain
  1. A spends 1/4th of his leisure on reading books, 2.3rd of the remaining on watching TV. If he spends 2 hrs on watching TV what is the total time of her leisure?
a. 6 hrs                  b. 8 hrs             c. 2 hrs                         d. 4 hrs
  1. A plant reproduces at the rate of 25% every 12 min. In approximately what time will it triple itself?
a. 90 min                b. 60 min         c. 40 min                      d. 75 min
  1. What strength of 20 ml acid should be added to 10 ml of 50% acid to get an average strength of 20% acid?
a. 0.5%                 b. 5%               c. 50%                         d. 5.5%
  1. A dishonest shopkeeper uses 800 gm weight instead of 1ks and mixes 20% impurities to wheat. Find his gain %.
a. 30                      b. 40                c. 50                            d. 60
  1. If the price of sugar increases by 30% by what percentage the consumption be reduced to make the expenditure same?
a. 25                      B. 20                C. 23                           d. 16 2/3
  1. A man invests Rs. 4400 in stock at 110 and sells when the stock rises to 119. What is profit?
a. 396                    b. 380              c. 360                          d. 340
  1. A boat is rowed down the river at 10 kmph and up the river at 2 kmph. What is the speed of the current?
a. 8 kmph               b. 6 kmph         c. 3.5 kmph                  d. 4 kmph
  1. A camp has provisions to last for 6 days for 224 cadets. How many cadets must be sent away for the provisions to last for 7 days?
a. 192                    b. 32                c. 48                            d. 96
  1. In a race the speeds of A and B are in ratio of 3:4. A takes 30 min more than B to reach the target. Time taken by A to reach target is
a. 1 hr                    b. 90 min          c. 2 hrs                                    d. 2.5 hrs
  1. A father’s age is 4 times the age of his elder son and 5 times the age of his younger son. When the elder son lived to three times his present age, then father’s age will exceed his younger son’s age by 3 yrs. What is the age of the fsther?
a. 40 yrs                 b. 32 yrs           c. 30 yrs                       d. None
  1. Two pipes can fill a tank in 4 hr and 5 hr respectively. If they are turned on alternatively for 1 hr each, the tank will be filled in
a. 4 hr. 24 min       b. 4 hrs             c. 4.5 hrs                      d. 5 hrs
  1. If a train running at 72 kmph crosses a tree in 7 s its length is
a. 150 m                 b. 135 m          c. 140 m                      d. 126 m
  1. In an apartment exactly 1/3rd of flats have two bedrooms and exactly 1/7th of flats have three bedrooms. How many flats could be there?
a. 42                      b. 50                c. 56                d. 57
  1. The sum of n different positive integers is less than 100. What is the maximum possible value of n?
a. 10                      b. 11                c. 12                d. 13
  1. How many lead ball each of radius 1 cm can make a sphere of radius 8 cm?
a. 64                      b. 128              c. 256              d. 512
  1. A class of 356 votes has to choose the president. With 5 candidates seeking office, what is the least number of votes a successful candidate could receive to win?
a. 71                      b. 72                c. 89                d. 179
  1. 1, 4, 2, 8, 6, 24, 22, 88, ___
a. 352              b. 78                c. 84                d. 86

Diabetes-Preventions and Precautions.......

With the help of regulated diet, alternative system of medicine and proper module of exercise; diabetes can be controlled and managed to a larger extent. 

  • Avoid sugary substances /products completely.
  • Use of junk, oily, fried and fat enriched foods should be avoided.
  • High fibrous food should be preferred.
  • Avoid non-veg.
  • Avoid ghee, vanaspati, fine flour, smoking, chewing of jarda and gutka. 
  • Keep yourself away from stress as it is the root of many diseases.
  • Frequent and excessive eating put you in danger
  • Apathy for exercise may put you in danger.
  • Do healthy physical exercise along with Yoga and meditation

Zeta Potential Range of Value


The zeta potential is the overall charge a particle acquires in a specific medium.
  • The magnitude of the zeta potential gives an indication of the potential stability of the colloidal system
  • If all the particles have a large negative or positive zeta potential they will repel each other and there is dispersion stability
  • If the particles have low zeta potential values then there is no force to prevent the particles coming together and there is dispersion instability
  • A dividing line between stable and unstable aqueous dispersions is generally taken at either +30 or -30mV
  • Particles with zeta potentials more positive than +30mV are normally considered stable
  • Particles with zeta potentials more negative than -30mV are normally considered stable
http://www.silver-colloids.com/Tutorials/Intro/pcs12.1.jpg


Colloidal particles dispersed in a solution are electrically charged due to their ionic characteristics and dipolar attributes.

Each particle dispersed in a solution is surrounded by oppositely charged ions called the fixed layer. Outside the fixed layer, there are varying compositions of ions of opposite polarities, forming a cloud-like area. This area is called the diffuse double layer, and the whole area is electrically neutral.

When a voltage is applied to the solution in which particles are dispersed, particles are attracted to the electrode of the opposite polarity, accompanied by the fixed layer and part of the diffuse double layer, or internal side of the "sliding surface".


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Dispersed particles
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Aggregated particles


Zeta potential is considered to be the electric potential of this inner area including this conceptual"sliding surface". As this electric potential approaches zero, particles tend to aggregate.

The static layer is computed using the following formula (which is embedded in the Zeecom software).


The static layer is computed using the following formula (which is embedded in the Zeecom software).
http://nition.com/en/products/images/zeecom/zeecom_eq2.gif


Zeta Potential (Smoluchowski’s Formula)
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This Zeecom unit uses a microscope to observe particle electrophoresis migration on a monitor while performing image processing to determine the particle migration speed, which is then converted into the zeta potential value.

To eliminate errors due to electroosmotic flow caused by any electrostatic charge on the measurement cell, the zeta potential is measured at the static layer, whose position can be calculated from the width and depth of the cell. (The software performs this calculation automatically)
Modified Lowry Protein Assay Kit http://www.piercenet.com/images/box_blue_curve.gif
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A stable formulation of the original Lowry reagents in a convenient kit complete with albumin protein assay standards.
The Thermo Scientific Pierce Modified Lowry Protein Assay is a classical, well-characterized copper-based method for measuring protein concentration.
The Modified Lowry Protein Assay Kit combines a stabilized formulation of the original Lowry Reagents and the essential Folin-Ciocalteu Phenol reagent in a complete kit for accurately determining protein concentration in a variety of samples types. Although newer protein assay methods provide greater speed and convenience, the Lowry method remains a popular, accurate and useful option for many applications.



ZEECOM
What is zeta potential?





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Copyright Microtec Co., Ltd. 1989-2010
Particle characterization
There are many.htmlects of a particle dispersion that need to be investigated to fully characterize a system.
Particle size is often considered one of the most important parameters, however, as particle size reduces, the surface area increases significantly in comparison with the volume, so surface properties increasingly determine the dispersions characteristics.
One of the significant surface properties is the surface charge. This is an important factor in determining the interactions between particles, and hence dispersion characteristics such as dispersion stability, flocculation, viscosity, film forming characteristics etc.
The surface charge cannot be measured directly. Instead the charge at a distance from the particle, called the zeta potential is measured. This potential is usually more of interest because particles interact according to the magnitude of this value, rather than the potential at the surface of the particle.
Zeta potential - Application trends
The zeta potential (x), or electrophoretic mobility (µE), is increasingly being used to investigate fine particle systems.
The zeta potential is a consequence of the existence of surface charge, and can give information on electrical interaction forces between the dispersed particles. Using DLVO theory, it is possible to assess the stability of suspensions and emulsions by means of the zeta potential.
The basis of DLVO is to use the sum of the repulsive force (VR - electrostatic BORN forces) and attractive (VA - van der WAALS forces) to calculate the particle interaction potential.
VTOTAL = VR + VA
In many cases, the zeta potential can be used directly as the criterion for assessing product quality.
However stability assessment using the zeta potential as the measurable variable may only be useful if the system is sufficiently well understood.
Electrokinetic measurements can be used to investigate the effect of each of the excipients in a formulation on the dispersed materials surface characteristics. Figure 1 shows schematic examples of zeta potential Vs pH functions that are characteristic of certain surface conditions. These curves are found for example in the protolysis of acid or alkaline surface groups and in pH-dependent adsorption processes.
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Fig. 1 Model examples of pH Vs zeta functions showing dissociation of acid or alkaline surface groups and adsorption
How does surface charge arise?
Surface charges on suspended particles can be caused by a variety of phenomena. Figure 2 shows a number of possibilities. Dissociation of functional surface groups and/or adsorption of ions are the most important processes. In many formulations the adsorption of larger molecules containing charged groups such as surfactants and polyelectrolytes play a vital role.
The surface charge of the particles is compensated in the liquid phase by counter-ions, ensuring a condition of electrical neutrality in the system as a whole.
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Lattice imperfections
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Surface-adsorbed ions
 
 
Chemical reactions on the surface
(dissociation of functional surface groups)
Adsorption or dissociation of charge-bearing molecules




Fig. 2 Examples of phenomena that lead to the development of surface charge
How is particle charge measured?
The electrochemical double layer
The interface between two phases, (solid/liquid, liquid/liquid or gas/liquid) differs in a number of ways to the bulk phase. One reason for this is the different distribution of electrical charges at the phase boundary. This leads to the development of an electrical double layer with a potential different to that within either phase.
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Fig. 3 Structure of the electrochemical double layer on a particle surface in a system containing electrolytes
The STERN double layer model is generally used to describe the charge distribution. Figure 3 shows in schematic form the distribution at the interface for the case of a negatively charged particle surface, (yo) Charges in each phase interact. In an electrolyte solution, a monolayer is quickly adsorbed directly on the particle surface.
These are generally dehydrated ions and this region of a monolayer of ions is known as the inner Helmholtz layer.
Whether these are anions or cations depends on whether they are 'Indifferent' ions or 'Specifically adsorbed' ions.
Specifically adsorbed ions interact chemically with the surface; it could be a proton interacting with a carboxylic acid group for example. These ions can interact so strongly with the surface that they can cause charge reversal. Conversely if the ion is the same sign as the surface, the surface potential can be increased.
In the absence of specifically adsorbed ions, this inner layer consists of dehydrated or partially dehydrated counter-ions. In the case of a negative surface in contact with indifferent ions Sodium and Chloride, this would be the Sodium ion and lead to a potential (yi).
The next layer of ions (outer Helmholtz layer) are rigidly bound hydrated counter-ions, which reduce the potential to the value yd?. The internal and external Helmholtz layers form the STERN layer with thickness d. The distribution of charge carriers outside this layer, in a more diffuse region, reduces to zero in the bulk phase. Electrical neutrality ultimately exists at an infinite distance from the particle surface with n+ = n-.
Particle movements in the medium, due to for example, Brownian motion or sedimentation, leads to the concept of a shear plane within the diffuse layer. This region separates the ions associated with the particle from those in the bulk phase. The potential at this shear plane is what is referred to as the zeta potential (x).
The extent of the diffuse double layer is dependent on the ionic strength of the electrolytes and the valency of each of the ions.
Multivalent ions are particularly important. Their effect on the screening of the surface charge is related to the counter-ion valency. The flocculation concentration for divalent counter-ions is on average about 100 times lower than for monovalent ions, and for trivalent ions about 1000 less. This is known as the Schultze-Hardy rule and is the explanation for the use of Aluminium or Ferric ions to cause the flocculation of particles with negative zeta potential in water treatment plants.
Specific adsorption
The distribution of ions is more complicated if ions exhibit specific adsorption behavior. Specific ion adsorption can have a dramatic effect on particle mobility at low ion concentrations.
Figure 4 Shows how the composition of the medium can affect the surface potential and the extent of the electrical double layer. These three cases are arranged so the value of zeta potential is the same in each case. This demonstrates that the surface charge cannot be inferred from zeta potential.
It is worth emphasizing the distinction between surface potential and zeta potential. The zeta potential is the controlling parameter for particle interactions. Modifying the zeta potential requires knowledge of the potential of the surface and its chemistry.
Investigation of the interaction of ions with the surface, and their effect on zeta potential is assisted by the determination of zeta potential as a function of a number of parameters.
The parameters that it is useful to investigate are pH, conductivity and the concentration of any specifically adsorbed ions or polymers in the system.
Methods for determining the zeta potential:
Electrokinetic phenomena
There are four electrochemical phenomena that can be used for the determination of zeta-potential, electrophoresis, electroosmosis, streaming and sedimentation potential
Electrophoresis and streaming potential are the most important commercial effects that have been exploited to determine zeta potential. The Malvern Zetasizer uses electrophoresis, however electroosmosis is an interfering effect that must be considered (Fig. 5). There are a number of ways of accounting for this effect. The use of measurements at the stationary layer is one method that is discussed in the next section.
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Fig. 5 Basic principles of electrophoresis and electroosmosis 
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Fig. 4 Potential trends at interfaces with differences in the chemical constitution, influence of specific ionic adsorption
1. Positively charged particles on the surface, moderate
2. adsorption of anions, moderate ionic strength positively charged particles with no specific adsorption,
low concentration of electrolyte
3.negatively charged particles, strong specific cation
adsorption, moderate electrolyte concentration
Micro-electrophoresis
The conventional method for measuring zeta potential is to observe the migration of particles in a dispersion with a microscope and measure their velocity using a stopwatch. The current technique of laser Doppler velocimetry (LDV) has mostly replaced this laborious measurement procedure.
Both techniques are based on measurement of the migration rate of dispersed particles under the influence of an electric field. The observed velocity (v), divided by the strength of the applied electrical field (E), is a direct measure of the electrophoretic mobility (µE) of the particles examined.
v /E = µE
The zeta potential can be calculated from the mobility using the Henry equation.
Henry equation:
mE = e * x * f(k a)/6ph
e - dielectric constant of the medium, h - viscosity of the medium, f(k a) - correction factor which takes into account the thickness of the double layer and particle diameter. The unit k is a reciprocal length. 1/k is frequently described as the thickness of the double layer. 
In practice an approximation can be made for f(k a), this is f(k a) = 1.0 for non-polar media,f(k a)=1.5 for particle dispersions in polar media.
f(k a) = 1.5 is a good approximation for particles >100nm in aqueous solutions with an ionic strength >10-3 M. This is known as Smoluchowski approximation:
mE = e * x /4ph
at 25%C it is simplified to x = 12.85 mE mV. 
The second limiting case f(k a)=1.0 applies for very small particles in media with a low permittivity. This is known as the Hückel approximation.
If the conventional microscopic observation technique is compared with modern techniques, the advantages of the LDV methods are many. Some important advantages are:
  • Statistically better measurements

 
  • Seconds measurement time rather than 10-30 minutes

 
  • Measurement of smaller particles, 5-10nm rather than a minimum of 200nm

 
  • Measurement of zeta potential distributions

 
  • Improvement in measurement repeatability due to a reduction in the Joule heating effect

 
  • Ability to automate complex measurements (e.g. pH or concentration dependences)
The electrophoresis cell
Figure 6 shows the structure in principal of an electrophoresis cell for determining the zeta potential. It comprises a quartz glass capillary 50mm long, cross section 5mm by 2mm, with electrodes at both ends. The capillary is sealed by valves to form a closed tube.
The stationary layer
In the same way that an electrical double layer is associated with charged particles, the same structure exists at the charged capillary wall. This leads to a liquid flow in the cell due to electroosmosis. This adds a velocity to the particle mobility at all points in the cell except at a special position called the stationary layer or stationary plane. This is created in a closed capillary because of the return flow in the center of the cell. At the stationary layer the fluid flow along the cell wall is exactly cancelled by the return flow. Measurements at this position give the true electrophoretic mobility.
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Fig. 6 Electrokinetic effects in a closed electrophoresis cell
The position of the stationary plane is dependent on the cell geometry and can be calculated for symmetrical shapes of capillary.
Zeta potential measurement technique
In contrast to the traditional microscope measuring technique, in the LDV method the particle image is replaced by the illumination of particles by intersecting laser beams, the observer's eye by the photomultiplier, and the stopwatch by the correlator.
The Malvern system is called the Zetasizer. This system is available with different combinations of measured parameters. These are zeta potential, size, pH and conductivity. The features of this system are its ease of use provided by pre-aligned optics and single button measurement software.
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Fig. 7 Measurement arrangement for the heterodyne measurement method 
Heterodyne optics
In this optical arrangement the scattered light from particles in the measurement zone is mixed with attenuated light from the illuminating laser that is directly focused on the detector. These two beams intersect at a low angle, 12.7 degrees. (Fig. 7) This effectively increases the resolution as the effect of Brownian motion is greatly reduced at forward scattering angles. At higher angles, Brownian motion causes a problem as it 'smears' out the velocity spectrum, making it difficult to resolve mixtures of particles with different mobilities.
Signal processing and data evaluation
The measurement technique used is often known as Laser Doppler Velocimetry (LDV).
Moving particles in the measurement zone shift the frequency of scattered light proportional to their velocity.
The scattered light is detected by a photon counting photomultiplier and the signal input to a digital correlator. This can be thought of as simply an efficient frequency analyzer using a Fourier transform algorithm to disentangling the mobilities of perhaps thousands or millions of particles into a number of mobility channels.
As well as moving due to electrophoresis, the particles are moving due to Brownian motion. This makes the peak width broader than it should appear. To correct for this a measurement is done with no field present. The width of the peak produced will then be due only to the Brownian motion, and this width can be subtracted from the width produced by a measurement with the field applied.
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Fig. 8 Stages of signal processing from the correlation function to a Fourier Transform analysis (FFT) to frequency, mobility and zeta potential spectrum
Electrode polarization and determination of sign of the zeta potential
An alternating electrical field is used in order to exclude effects due to electrode polarization. The direction of movement of the particles is therefore periodically reversed during measurement.
In addition to this, one of the two laser beams is modulated by means of an oscillating mirror in order to determine the direction of movement and thus the sign of charge of the particle. The modulator adds a known frequency to the signal. The direction of particle movement, and therefore the sign of the charge, can be identified in this way because the frequency detected due to the particles either adds or subtracts from this modulator frequency. Figure 9 shows the time link between the direction of the electrical field and the phase of the modulated beam. With this scheme the maximum amount of data is collected with the minimum electrode polarization.
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Fig. 9 Link between the applied reversing field and the phase of the modulator
A second advantage of the modulator is that particle mobilities at zero give a measured frequency, which is that of the modulator. This means that low mobility particles can be measured with the same high accuracy as particles with high mobility.
Applications - possibilities for automation
Properties of ultrafine disperse systems (dispersions, suspensions, and emulsions) can be examined or predicted using the zeta potential. To use this parameter, it is important to understand that the zeta potential is not a parameter of a particle alone. The zeta potential is dependent, as already discussed, on the particle and on its environment. Zeta potential data with no an exact description of the conditions under which it was measured are rarely meaningful.
Controlled changes of the environment, such as pH, that lead to modification of the zeta potential, can give important information about the nature of the particle surface and the robustness of a dispersion to changes in the parameter.
A single measurement of the zeta potential of a dispersion in a defined set of conditions is rarely useful for the purpose of characterization. Knowledge is required of how the zeta potential varies as parameters such as pH, conductivity and other factors change.
This leads to the requirement for a large number of measurements. Automation of these changes can save time and improve repeatability.
The Malvern MPT-1 Autotitrator
The MPT-1 autotitrator now enables the Zetasizer to make automated measurements of the dependence of zeta potential on pH, conductivity or any other additive.
The automation allows measurements to be repeated by specifying a standard procedure. This makes the unattended measurements less dependant on the skill of the operator and the measurement time is reduced because the measurement is started as soon as the pH is stable.
For example, a pH-dependent titration, from pH 3 to pH10, in 12 approximately equal steps is completed in about half an hour.
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Fig. 10 Set-up of the Zetasizer with the MPT-1 autotitrator
The Autotitrator software allows a wide range of control over how the titration should proceed.
A method once developed can be stored as a standard operating procedure that can easily be recalled for a subsequent measurement.
During the titration the results can be viewed on screen as an evolving plot. The final results are presented as a report that includes all relevant information about the titration, as well as a plot and calculation of all iso-electric points detected.
Selected applications - an overview
Determination of optimum dispersion conditions for a wide range of applications.
Stabilization/destabilization of suspensions, dispersions and emulsions via electrostatic stabilization mechanisms.
Determination of critical coagulation concentrations, sensitivity to the concentration of additives, such as salts, surfactants, polymers.
Estimation of adsorbed polymer layer thickness.
Optimizing surface coatings, effect of surface modifications
Biological applications, characterization of erythrocytes and blood platelets, characterization of cells, bacteria etc
Characterization of material surfaces - biocompatibility
Brönsted acid-base properties of particle surfaces, significance in aqueous powder processing (ceramics, pigments, paints, varnishes, fillers etc), determination from pH-dependent trends
Lewis acid-base properties of particle surfaces, significance in non-aqueous powder processing (ceramics, pigments, paints, varnishes, polymers), determination from correlation of zeta potential with electron donation/acceptance