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[13:05, 5/29/2016] +91 99521 23360: Today we will be covering a sample

letter on write a letter to your banks branch manager requesting a transfer


of funds between accounts based on the format that you need to follow
while writing the essay for your SBI PO mains exam 2015.
[13:05, 5/29/2016] bavani race:
[13:05, 5/29/2016] +91 99521 23360: Sample Letter:

8976 Nirman Appartments

Noida, Uttar Pradesh- 201301

6th July 2015

The Branch Manager

State Bank of India

New Delhi

Dear sir/ madam

SUBJECT: TRANSFER FUNDS BETWEEN ACCOUNTS

This is to state that I want to a transfer of funds between accounts. Please


transfer Rs. twenty thousand (20 thousand) from my saving account number
372838276387 to my current account number 783562878354. I would
appreciate if I am provided a receipt for the above requested transaction.

I shall be obliged for your kind assistance. In case you have any queries,

kindly contact me at my address.

Regards

Abc
[13:06, 5/29/2016] +91 99521 23360: Format (for Letter to the Branch
Manager)

Your address]
[Your city, state, pin code]

[Todays date]

[The Branch Manager]


[Name of the bank]
[City, state, pin code]

SUBJECT: describe the problem in one line

(Subject is suppose to be written in capital letters and underline the subject)

Dear (Sir/ Madam):

Introduction: Request the manager to transfer money from one account to


the other.

Body: Give details such as the bank account numbers of both the accounts

between which the transaction has to take place, along with the sum; you
should also make a request for receipt for the same

Concluding remark: Request the manager to transfer the money as soon as


possible.

Sincerely,

[Your signature]

[Your name]
[13:06, 5/29/2016] +91 99521 23360: Points to Remember:

It is very important to follow the format while writing a formal letter. You
neither write less, nor exceed the word limit. You have to be very precise
while writing a formal letter.
You must ensure that your content does not seem repetitive. Repetition of
words/sentences or content as a whole invites cutting of marks. Try and use
synonyms in case you see that a word is getting repeated a number of times
in the letter.
Your letter should be written in a particular flow. The subject should highlight
the main purpose of letter. The introduction of your letter should effortlessly
lead to the body, which should lead to the concluding paragraph
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[17:18, 5/29/2016] Jeeva Race: Hello students,
As you all know the upcoming SBI PO 2016
exam is knocking the door. We hope you all
are toiling hard to score maximum marks as
possible.
We have already posted several important
theories and questions which are very crucial
to the crack the nut. And with this
continuation today we are here to provide you
with important strategies to attempt
DESCRIPTIVE QUESTIONS FOR SBI PO. HOW
DO I PREPARE FOR SBI PO DESCRIPTIVE TEST
is the most common query of the students.
Students from Hindi medium generally face
great difficulty in attempting it.
Often students on the lanes of preparing for
bank exams, doesn't give much attention to

descriptive or they find it very silly. But


remember students each and every phase of
the exam is very competitive in itself. So
ignoring it may trouble you.
Download Notes
Get SBI Descriptive
Bundle Guide here
Now coming to the track
The SBI PO RECRUITMENT MAIN PAPER EXAM
2016 comprises two sections.
Objective Test for 200 marks(Time
Allotted 120 minutes)
Descriptive Test for 50 marks(Time
Allotted 30 minutes)
NOTE: - Descriptive paper of only those
students will be evaluated who have secured
pass marks in the main objective exam.
Why Descriptive Test?
An officer recruited in the bank is supposed
to do many such works which require skills of
English literature. For instance, drafting
Letters, preparing presentations to colleagues
of communicating to higher officials. That is
why it is important that an officer possess all
communication skills.
DETAILED PATTERN OF

DESCRIPTIVE EXAM
The descriptive test question paper will have
only two sections namely;
1. Letter writing
2. Essay writing
Questions will be allotted only in English
Language and can be answered only by using
keyboard. Descriptive paper will just
commence as Objective paper is over.
PREVIOUS YEAR CUTOFFS
Year General ST/SC/
OBC
Total
Marks
2013 20 18 50
2014 20 18 50
2015 20 17.5 50
Students, as you look over it, it can be easily
concluded that cutoffs in previous years hover
around 20 and 18 for General category and
ST/SC/OBC category respectively. So the
expected marks of the descriptive exam of the
SBI PO 2016 would probably be the same.
PREVIOUS YEAR QUESTIONS
We have collected few questions already
appeared in the exam which are undoubtedly

very important. Try to practice these on daily


basis.
Letter writing:
1. Letter to the bank manager for
extension of joining date
2. As a manager, write a letter to your
colleagues to conduct a meeting on PR
strategy.
3. Letter to your brother indicating him on
why you want to choose career in
banking.
4. Letter to the bank manager apologizing
for the delay in EMI payment.
5. Write a letter to your younger sibling
explaining the importance of saving
money
6. Write a letter to the manager of a firm
to increase credit amount of loan taken.
Essay writing: (250-350 words)
1. Importance of education in vernacular
languages
2. Pros & cons of winning lotteries
3. Do brokers deserve the cut that they
make on deals?
4. Security of women in workspace, an
increasing cause of concern

5. How useful is aadhar card?


6. Impact of unearthing of black money on
indian economy
7. Entrance exams a necessary evil
8. Pros & cons of Inflation
9. Does providing educational loans help
in empowering employment to youth?
So students now you are aware of the pattern,
cutoffs and what kind of topics that are
generally asked in the examination. So why
wait; Start your preparation right today .
Further on our part we will be assisting you
by sample topics with their answers too.
So, keep visiting Bankexamtoday.com to give
your preparation a new height.
Thank you.
[09:07, 5/30/2016] bascar race: Nice job friends
[20:02, 5/30/2016] Jeeva Race: Dear Aspirants,
As you all know that SBI PO and IIC AO Both
upcoming exams are near.One of the most
important part of these Exams are
Descriptive Exam that test Your writing
skills, so we are providing structure of
letter writing here . Both exams descriptive
paper will be same & number of questions will
also same.we have discussed in previous post

how to write a essay after that Now we will


discuss about letter writing.
Basics of Descriptive writing & how to
write a essay
Descriptive Writing : For SBI PO and UIIC
AO
After Essay writing discussions we will
discuss here how to write a letter and
what are the types of a letter.
Letter writing Basics
There are two types of letters which are
commonly asked in the SBI PO & UIIC AO
Exams.these are
1. Informal letter Informal letters are
written to parents, friends, relatives, siblings
etc.
2. Formal letter Formal letters are written
to government officials, news editors, bank
manager, government departments etc.
In the examination you have to be asked from
both types which are formal and informal
letter.you have to choose a type for letter
writing it can be either a formal or informal
letter.
Correct format of letter both types of
letter having almost same structure with

minor differences.
Format of informal letter
Your address and date
your greetings to your relations or friends
Body of the letter
Conclusion
Your name
format of formal letter
Your address and date
To address to whom you are writing with their
designation
Subject
Greetings
Body of the letter
Conclusion
Thanking you
Yours name and designation
lets discuss about some important key
points in letter writing.
Address : Everything should be written on
the left hand side .every letter should have
the from & to address mentioned in the top.
Under the field from mention your name
and address.
inside the field to , you need to specify the
name & address of the person or organization

to whom this letter sent.


if you are sending a letter to newspaper
editor, the to area should be like
to,
the editor,
the hindu,
Mumbai
Body of the letter : this is the main part of a
letter and should should contain your answer
for the given questions.
in case of informal letters, you can start
with dear_ ____
formal letters should be begin with sir/
madam. it is advisable not to use the word
dear.
The next line of the letter must be for
subject where you need to mention the
purpose of this letter in one sentence.
for Example if the question is write a letter
to the editor of a newspaper information
about the rise in ragging issues. your subject
can be sub rise in ragging issues
After this, the main contain should follow
details of the real purpose of the writing that
letter.
Conclusion : it can also be termed as the

closing remarks, which are necessary at the


end of the letter.
Informal letter : yours lovingly, yours
affectionately
Formal letter : yours sincerely/ yours truly/
yours faithfully.
Writing your name below any of the above
words will mark the at the end of your letter.
by the following all these parts : candidate
can easily write formal or informal letter and
can secure minimum cut off marks in the SBI
PO & UIIC AO Examination
[23:18, 5/30/2016] +91 99521 23360: Write an Informal Letter to your
mother in about 300 words telling her of your achievements in college.

A-607, Hillcrest,

Andheri,

Mumbai-400008.

22nd July 2015.

Dear mother,

I hope this letter finds you in the best of your health and spirits. I am writing
this letter to you to tell you about my achievements at the college this year.

This year has been one of the most eventful years of my life. In the first
month of college itself, I was elected as the class representative for the year.
My classmates and teachers believed that my responsible and humble
demeanour made me the perfect choice for this position. This was just the
beginning. Once college began full swing, I became as busy as a bee.

My next successful endeavour was being a part of the organising committee


of Mumbais largest college festival Unnati. I participated in the organisation
of this event in the capacity of the President of the entire organising team.
Managing a multitude of people and ensuring that all that was planned was
executed effectively almost took a toll on my physical and mental health.
However, the satisfaction of its fruition was unparalleled. Besides this, I took
part in a variety of conferences to realise my public speaking potential. Being
awarded the Best Speaker at several of these symposiums instilled a huge
load of confidence in me. Academically, too, I have been working hard and I
managed to achieve a position among the top three ranks in each semester. I
do not think that this would be possible without the constant support of my
teachers and friends who helped me cover up the classes I missed so often.

After such a tiring but fulfilling college year, I will be coming home over the
summer break. I have been missing Papa, you and Vedika a lot and hope to
see you soon!

Yours lovingly,
Sanaya.
[23:40, 5/31/2016] +91 99521 23360: FORMAL LETTER

Write a Formal Letter to your Municipal Corporation in about 300 words


complaining about the state of roads in your area and the lack of street lights
there.

B-515, Royal Ensign,


Ashok Vihar, New Delhi, Delhi 110052.

Sector-64,
23rd July 2015

To,
Mr K. K. Dahiya
Director (Personnel) South Delhi Municipal Corporation (SDMC)
Palika Bazar, Connaught Place
New Delhi, Delhi -110056

SUBJECT: POOR CONDITION OF ROADS AND LACK OF STREET LIGHTS IN


ASHOK VIHAR

Sir,

I, Ankita Vasudha, am a resident of Ashok Vihar. This letter is to draw the


attention of the SDMC to the pathetic condition of roads in Ashok Vihar. The
stretch between sector 64 and sector 125 has been in a very poor state since
the last 6 months. This stretch, which is one of the busiest roads in New
Delhi, also lacks street lighting.

The onset of the monsoon has only worsened the situation. There are huge
potholes on this road which along with zero maintenance of this stretch leads
to huge traffic jams during the peak hours. Needless to say, the damage it
causes to the vehicles plying on this road is costing the citizens heavily.
Almost every other day, a vehicle is punctured or dented or it gets stuck.
Lack of proper lighting only adds to the misery of the people. The number of
accidents occurring here has also gone up significantly.

Further, it has become very difficult for the pedestrians to walk along this

road due to the fact that the vehicles including company buses, cabs and
cars tend to avoid the potholes and drive along the sides of the roads, where
pedestrians tend to walk because of the lack of proper footpaths.

These conditions have caused a lot of inconvenience to the residents of this


area as well as commuters.

Keeping the above in view, I hope that the SDMC will initiate expeditious
steps to ensure the repairing of this road with proper lighting.

Thanking you.

Yours faithfully,
Ankita Vasudha.
[23:41, 5/31/2016] +91 99521 23360: Write a Formal Letter to the Principal
requesting him to increase security for women in the college.
From,
Sanaya Sinha,
A-650, Hillcrest,
Aahat Enclave, Andheri,
Mumbai-400008.
22nd July 2015.

To,
The Principal, St. Xaviers College,
Churchgate,
Mumbai-400002.

Subject: Request for increasing security for women in college

Dear Sir,

I, the undersigned, am writing this letter to you to request you to hike the
security for women in the college. I am a student of your institution and am
pursuing Economics. I am voicing out such a concern on behalf of all the
other female students of the college.

Given the current scenario in the Indian diaspora and numerous untoward
incidents that are being reported almost daily, I believe that womens
security is an issue that needs to be tackled effectively at the earliest. Most
of the female students in the campus travel from faraway suburban areas
and often stay back in the college campus even after the lectures are over
because they participate in a wide range of extra-curricular activities. As
such, it is imperative that the surveillance be increased for women in the
college lest we face undesirable consequences.

This is why I earnestly request you to take some action as soon as possible. I
would be highly obliged if you would do the needful and heighten the security
in and around the college campus for all the females. I thank you in
anticipation.

Yours truly,
Sanaya Sinha.
[23:45, 5/31/2016] Prakash Race:
[11:12, 6/5/2016] +91 99521 23360: Question: Write a letter to your
relationship manager asking for premiums of various insurance policies.
The same format can be used to send a letter to the bank manager asking for
interest rates of various loans or deposits.

Your Name,

12,Lane Road,
New Delhi 75
June 12, 2016
To
The Manager
United India Insurance,
Chowk branch,
New Delhi

Dear Sir/ Madam,

Subject: Enquiry for quotation of term insurance policies

I received an email recently, from united india insurance about the various
policies that are available for public.I am particularly interested to buy a
health insurance policy for my family & myself.

After going through your website, I found that I am eligible for 4 different
types of health insurance products.But there was no information on the
premiums that i need to pay every year.

So i kindly request you send me an illustration or quotation of premiums for


the health insurance plans.

My personal details are given below for premium calculation:


Name: Shwetha kumar
Date of birth: May 12, 1994

Yours truly,
Shwetha
[12:37, 6/5/2016] bascar race:
[12:33, 6/6/2016] +91 99521 23360: Women Entrepreneurs in India
The word entrepreneur has mostly been synonymous with men. In the 21st
century though, things are changing and many successful female
entrepreneurs have emerged. These women are becoming role models and
are flourishing in their respective fields. Their confidence and refusal to be
dominated by men has inspired many more women across the country. These
women have been acknowledged in their respective fields and have even
received accolades for their work.
In laymans terms, entrepreneurship is basically running your own business.
The person who has an idea, and who executes this idea and makes sure that
it functions smoothly is called an entrepreneur. Entrepreneurs can also helm a
business and make sure it runs smoothly. Some of the most famous women
entrepreneurs in India are Chanda Kocchar, (MD and CEO, ICICI Bank),
Simone Tata (Chairperson, Trent Limited), Neelam Dhawan (MD, HP-India),
Naina Lal Kidwai (Country Head- HSBC Bank), and Kiran Mazumdar Shaw
(Chairman and MD, Biocon).
The rapid strides that these women have taken over the past few decades
have shown us the calibre that all women inherently possess. Indian women
are coming out from the daily routine of their lives inside the doors of their
houses. Multitasking women all over the country balance their work, home
and family perfectly. Family members too are helping out and supporting
women to achieve successful careers.
If all women decide to explore themselves and not limit their lives to certain
jobs, then each one of them can become a successful entrepreneur, working
by their own rules and contently living their own life. Indian women can
achieve this dream and in the coming decades women will do brilliantly in so
called male-domains as well.
[12:33, 6/6/2016] +91 99521 23360: Media and Public Opinion in
Contemporary World
Before I delve into the intricacies of the topic, let us go back to the time when
there were no TVs, no advertisements and no newspapers. In those days, do
you think you would know who, say for instance, Dr. Raghuram Rajan was?
The answer would be a no, except for those who personally knew him. It is
so because for most people the knowledge of even his existence, let alone
the policies, comes from the media.

It is the sheer amount of media presence that makes it so important, so


crucial. Take a look around and youll realise that we are surrounded by it. A
variety of TV channels, newspapers, magazines, offline advertisements,
hoardings, and a countless number of websites on the Internet offer huge
amounts of information which is accessible to anyone. Media in todays age
has become a part and parcel of our lives and it wouldnt be wrong to say
that about 90% of whatever we know comes from the media.
Media therefore is the most powerful tool for shaping public opinion in
contemporary times, so much so that it can sway the minds and thoughts of
the masses the way it wants. In this connection, some of the TV channels are
performing a pivotal role in awakening the common man against corruption,
social evils and outmoded rites destroying the society. On the other hand, just
to make fast bucks, a few media channels showcase absurd content, without
even considering the effect such visuals have on the society.
Thus, it is of utmost importance that the media realises its responsibility of
moulding the public opinion and does so in a positive and constructive
manner so as to bring progressive changes in the society.
[12:34, 6/6/2016] +91 99521 23360: Online Education in India

Education is the basic foundation of a students life. It shapes his overall


personality and demeanor. Thus it is important that everyone has access to
good education. With the growing popularity of electronic media,
conventional methods of teaching are slowly and steadily being replaced by
modern technology. With simple blackboards changing to interactive
whiteboards, we are assured that change is on its way. This brings us to
another important facet of education in a country like India online
education.

Online education is considered to be the means of attending classes via the


internet. Many companies and start-ups provide online platforms to study on.
These include MeritNation, Testbook, Toppr, Simplilearn, Ufaber, Intellipaat
and Learnsocial among others.

Also known as distance learning, online education provides students with the
advantage of studying in an atmosphere in which they are comfortable. This
is especially beneficial for those individuals who are burdened with family
responsibilities at a young age and those who barely have the time to attend
a formal institution.

On the other hand, however, online education hinders the process of


socialization. Limited contact with peers and restricted interactions with
teachers can confine ones horizons. The guidance that can be given through
a direct, face-to-face conversation is often dwindled by the boundaries of the
virtual world.

To add to this, internet penetration in India is very low. So it is not possible for
people who really need this kind of education to actually benefit from it. This
becomes the responsibility of the government then to ensure that the
internet and consequently online education is made available to the remotest
parts of the country.

Ultimately, just like there are two sides to a coin, online education has both
advantages and disadvantages. It depends on an individual and his
circumstances to decide whether the pros outweigh the cons or vice versa.

And that is probably why Heidi-Hayes Jacobs has said, Teachers need to
integrate technology seamlessly into the curriculum instead of viewing it as
an add-on, an afterthought, or an event. The education scenario in India
must take such suggestions in its stride to better its service and quality.
[12:34, 6/6/2016] +91 99521 23360: Honesty is the Best Policy

Right from a young age, the one value that people around us have always
tried to inculcate in us is honesty. Our parents, older siblings, teachers and
guardians always emphasize how important it is to be truthful in our actions
and words. Even the father of our nation, Mahatma Gandhi, always
propagated truth as the strongest value addition to our characters.

However, we often tend to be carried away by the ease and comfort that lies
shield us with. Truth is something that is often seen as the more complicated
and difficult thing to speak out. The bitterness and rudeness attached with
giving someone a frank opinion is tougher to handle than sugar coated lies
and flattery.

The most important thing to understand is that genuineness always pays off.
Firstly, if you tell the truth, you dont have to remember what lies you created
and concocted. Distorted versions of the truth, on the other hand, require a
very good memory.

Secondly, the truth may hurt for a while but a lie causes much more agony
when it is revealed as a lie. Honesty is the foundation on which relationships
and trust are built. A single lie can jeopardize ones faith. A single deception
can destroy relations.

Lastly, people who always speak the truth do not live in the fear of being
caught. Their mind is free of the worry and anxiety of making up another lie.
It is true, to cover up one lie, man has to speak a thousand!

So why choose the wrong path when the right one is welcoming us with open
arms? It is true, and so shall it always hold Honesty is the best policy.
[12:35, 6/6/2016] +91 99521 23360: Sample Essay for Descriptive Exam in
SBI PO Mains 2015Posted in English Notes, SBI PO On July 21, 2015
Today we will be covering a sample essay on Goods and Services Tax based
on the format that you need to follow while writing the essay for your SBI PO
mains exam 2015.

Sample Essay:

The Goods and Services Tax (GST) is a value added tax that will replace all
indirect taxes levied on goods and services by the Government, both Central
and States, once it is implemented.

The GST is a consolidated tax based on a uniform rate of tax fixed for both
goods and services. All goods and services, leaving aside a few (alcohol,
tobacco, petroleum products), will be brought into the GST and there will be
no difference between goods and services. The GST rate is expected to be
around 14-16 per cent.

Introduction of a GST is very much essential in the emerging environment of


the Indian economy. In the GST system, when all the taxes are integrated, it
would make possible the taxation burden to be split equitably between
manufacturing and services. It will also help to build a transparent and
corruption-free tax administration. There are certain bottlenecks which need
to be taken care of before that: What preparations are needed at the level of
Central and State Governments for implementing the GST? Whether the
Government machinery is efficient enough for such an enormous change?
Whether the tax-payers are ready for such a change?

According to a study by the National Council of Applied Economic Research


(NCAER), full implementation of the GST could expand Indias growth of gross
domestic product by 0.9-1.7 percentage points. By implementing the GST,
India will gain $15 billion a year. It will promote more exports, create more
employment opportunities and boost growth.
[13:40, 6/6/2016] +91 94861 41350: Guys how many page to write an
essay...
[13:40, 6/6/2016] +91 94861 41350: Any limits
[00:58, 6/8/2016] +91 99521 23360: Basics of Descriptive writing & how to
write a essay
Descriptive Writing : For SBI PO and UIIC AO

After Essay writing discussions we will discuss here how to write a letter and
what are the types of a letter.

Letter writing Basics

There are two types of letters which are commonly asked in the SBI PO & UIIC
AO Exams.these are

1. Informal letter Informal letters are written to parents, friends, relatives,

siblings etc.
2. Formal letter Formal letters are written to government officials, news
editors, bank manager, government departments etc.

In the examination you have to be asked from both types which are formal
and informal letter.you have to choose a type for letter writing it can be
either a formal or informal letter.

Correct format of letter both types of letter having almost same structure
with minor differences.

Format of informal letter

Your address and date


your greetings to your relations or friends
Body of the letter
Conclusion
Your name

format of formal letter

Your address and date


To address to whom you are writing with their designation
Subject
Greetings
Body of the letter
Conclusion
Thanking you

Yours name and designation

lets discuss about some important key points in letter writing.

Address : Everything should be written on the left hand side .every letter
should have the from & to address mentioned in the top.

Under the field from mention your name and address.


inside the field to, you need to specify the name & address of the person
or organization to whom this letter sent.

if you are sending a letter to newspaper editor, the to area should be like

to,
the editor,
the hindu,
Mumbai

Body of the letter : this is the main part of a letter and should should contain
your answer for the given questions.

in case of informal letters, you can start with dear____


formal letters should be begin with sir/madam. it is advisable not to use
the word dear.

The next line of the letter must be for subject where you need to mention
the purpose of this letter in one sentence.

for Example if the question is write a letter to the editor of a newspaper


information about the rise in ragging issues. your subject can be sub rise
in ragging issues

After this, the main contain should follow details of the real purpose of the
writing that letter.

Conclusion : it can also be termed as the closing remarks, which are


necessary at the end of the letter.

Informal letter : yours lovingly, yours affectionately


Formal letter : yours sincerely/ yours truly/ yours faithfully.

Writing your name below any of the above words will mark the at the end of
your letter.

by the following all these parts : candidate can easily write formal or informal
letter and can secure minimum cut off marks in the SBI PO & UIIC AO
Examinations.
[16:08, 6/9/2016] Jeeva Race: Insurance Termination Letter

Rohit Verma

15, Indira Gandhi Road

Pratap Nagar,

New Delhi 10

June 12, 2016

Phone: 25452153

To:

United India Insurance Co

No.10, Unique Towers

Pratap Plaza

New Delhi -04

Sir/Madam,

Sub: Termination of my Car Insurance Policy.

Ref: Your Policy Cover Note No.321 dated 10 March, 2016.

This is to inform you that the above stated Car Insurance Policy possibly will
be terminated in for my Honda Car with Regd No. CA 3015 as I have sold the
car to someone else on 15th May, 2016.

I have enclosed the Policy document along with this letter for cancellation.

Thanking you.

Yours faithfully,

Rohit Verma
[23:30, 6/9/2016] +91 99521 23360:
[03:47, 6/10/2016] +91 99521 23360: Topic - Credit manager of your bank
misguided you regarding Credit card product. Write a letter to Branch
manager complaining about inefficiency and negligence of employees
Ramandeep Singh

4th Floor, Sutlej Tower,

Bindraban road, Civil Lines,

Ludhiana, 141001

Date 16/07/2015

To

The Branch Manager

State Bank of India

Tagore Nagar, Ludhiana.

Dear Sir/Madam,

SUBJECT :- COMPLAINT ABOUT INEFFICIENCIES AND NEGLIGENCE OF


EMPLOYEES

I am writing this letter to make a complaint of poor service and misguidance


provided by Manager Rakesh Kumar.

I am a savings as well as current account holder of your branch from past 4


years. My savings account number is 34525424564 and current account
number is 3979797856322.

On 6 June 2015, I visited the branch to make an application for credit card. I
made clear that I need a Global credit card to make international payments.
Mr. Rakesh Kumar insisted me to apply for an secured credit card, so asked
me to make an Fixed Deposit account for Rs.50,000. I made an secured credit
card application as suggested by Mr. Rakesh Kumar.

After 1 month I got my credit card. I was surprised to see that it was not a
Global credit card. When inquired from branch, your staff told me that making
Global payments is possible by using this card. Assistant Manager Priyank
Gupta wasn't aware about Global Credit Card product. Next day I brought
your bank's brochure to explain her that Global credit card product actually
exist.

I request you to take a strict action against branch staff and solve my
problem as soon as possible. You can contact me on 99149686** for during
business hours to discuss this matter further.

Yours sincerely,
Ramandeep Singh
Enclosed: Copy of bank account details, credit card number, bank brochure
and copy of my credit card application.

[03:47, 6/10/2016] +91 99521 23360: FORMAT FOR A LETTER


Your name
Your address with Pin code

[Date]

[Name and title of authority]


[Name of company]
[address]

SUBJECT: Describe the Agenda or Goal of letter in one line

Dear (Sir/ Madam):

[Letter body]

[Your contact details]

Sincerely,

[Your signature]

[Your name]

Enclosure(s): [List attached documents]

Important tips
Follow the above format, format is important in format letters.
Try to keep letter as short as possible
Always provide your contact details
Provide reference number, for example while contacting a bank, provide your
bank account number.
Attach copies of all important documents.
Avoid repetitive
Brevity and precision are two golden principles to write a perfect letter
[03:49, 6/10/2016] +91 99521 23360: SBI PO Sample Essay - Paid Media and
it's Impacts
Published on 1:30 PM
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Media is the mirror of our society which delivers economic and political
transparency through various channels like online, print and electronic. These
days, there is huge impact of paid news which distracts peoples thought.

Corporate houses and public relation agencies are also using paid news to
promote their products and services; which are examples of paid news. But,
sometime aid news is making bad impact on the society. Due to this,
credibility of media houses has decreased.
Impacts of paid media
Decrease in credibility of various media channels
Conflict of news and facts in various media channels. Each channel will be
showing different facts.
Lack of useful and informative content
Promotion of health hazardous products like tobacco
Bad impact of thought process of children

In my opinion, there should be strict laws and public awareness to improve


the transparency in the media houses. Also public relation agencies and
media houses shouldn't promote health hazardous products. Media should
also recognize that what they are doing and whats its impact over the
society. Therefore media houses should take responsibility that they are
reliable and help the society by means of various channels.

How to impact of paid media can be reduced


It is a known fact that media houses need money to survive and grow. So,
paid news can't be eliminated.
Here are ways to eliminate bad impacts of paid news
Mention that a news is paid
Informative content is more important than paid content
No media house should take money to recommend a product or service. If
they are taking money then they should reveal it properly.
Never mix paid news with other sections.
[03:52, 6/10/2016] +91 99521 23360: SBI PO Essay Writing Sample Unemployment In India

Today, Unemployment is the main problem in India and people is upset with
his life. Well educated people have lots of problem to find job according to
their qualification but uneducated people can find job because they have
habit from earlier to work in summer or winter in rain or sunshine.

Many graduate are waiting to job in India although many are about to
complete graduation. There is job in India but competition is very high when
200 posts come in any government sector job then 2 lacks to five lacks
candidates fill the form for getting that job. We can easily realize about the
problem of unemployment to see candidates' number in any competition
exam. There are many reason for unemployment problem in India :Population
Population , that is uncontrolled way is responsible for unemployment in

India. I have to say that government should make the policy to decrease
population although it will be very tough to provide to job to everyone.
Lack of good policy
Government should make good policy for those who have no job. MANERGA is
very good program for rural areas people but it is not fit for educated people
because they are not able to work what MANERGA provide to unemployment
people in rural areas. I think government must open program for educated
people according to their qualification.
Lack of right education
I think education system needs to improve and start that syllabus which may
helpful to create business to students.
Lack of business loans
I think if government provides loan to an unemployment candidate then they
can create business and be stand on their feet.

Today, people are going to mad and arise any steps to earn money. They are
going to be a criminal or terrorist. Everyone wants to live happy life and
effected by globalization age. I think our economic expert should come to
forward and try to stop this problem otherwise human rights will be end from
the world.
[03:53, 6/10/2016] +91 99521 23360: SBI PO Essay - Justify huge expenses
on Election Campaigns
Published on 11:40 AM
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In a series to provide SBI PO descriptive essay writing samples today I am
writing an article on Huge expenses on election campaigns.
Must read
SBI PO Descriptive Paper series

2014 Loksabha elections opened eyes of masses. Everybody is waiting for


change in political mindset and change in our system. Do you know how
much these political parties spent on election campaigns.

Role of Election Campaigns


Brings national awareness, makes public it is their national duty to vote.
Gives an opportunity to candidates to show their manifesto.
Let public to explore their options
Positive impacts of election campaigns
More people comes out to vote
Basic purpose of an election campaign is to provide information about a
candidate and his future plans in development of his constituency.
It brings national awareness
Negative impacts of election campaigns
Money is originally invested by corporate houses. They will take out the profit
either by hook or crook.
Fake promises made by politicians which misguides common man
Caste based politics divides people into groups and give birth to riots.
Banners and posters of politicians used during campaigns pollutes the cities.
All in all Election campaigns have positive and negative impacts. Although
Election Commission laid a strong set of rules but many politicians break
these for their benefits. In this Loksabha elections, we saw huge expenditure
on election campaigns. Newspapers, TV, Sign-board and internet was full of
ads of political parties. Although election campaigns provides awareness to
voters but all the political parties should adhere to rules laid by Election
commission of India.
[03:54, 6/10/2016] +91 99521 23360: SBI PO Sample Essay - FDI in Retail
Sector
Published on 2:08 PM
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To understand what FDI is we should first know the full form for FDI. FDI
means Foreign Direct Investment. FDI is a process in which a company
invests in another country where it does not possesses any business. FDI is
usually done by the companies to expand its business and profits.

FDI in retail sector is booming now days as we all can see that more and
more companies are coming to India to open its retail stores or doing joint
ventures with host country companies. FDI has become a major area of
investment by foreign companies to invest and earn profit. Companies try to
come alone or with some other company as in India 100% is allowed only in
single brand retail whereas in Multi Brand retail only 51% is being allowed for
a company to invest in the retail sector.FDI has both positive and negative
effects on the economy. In FDI the company tries to open its store in various
areas in the countries alone or with joint venture with the other companies of
home or host country. FDI is very important for a country as it helps in
employment generation and economic growth. In India FDI was not allowed
till 1991 but after new industrial policy the gates are being opened for the
foreign companies to enter in to India. The main reason behind boom in FDI is
Mergers & Acquisitions and Globalization in the world. In India it is seen that
FDI is increasing day by day and it helps in increasing the economy of the
country. FDI is of various types in which companies come in the country by
opening its wholly owned stores or by doing joint ventures with the home
country Like Carrefour, Wal-Mart etc had opened his wholesale cash and carry
stores in India in which Wal-Mart store named as BEST PRICE and will open
50-60 stores in next 5 years down the line. Their major focus is on tier -2 and
tier-3 cities as they see much business in these cities. There are various other
companies which are coming in India for expanding their business of retail
sector. According to a survey Indian Retail industry will grow at the rate of
10% in the coming years.

The other side of FDI in retail sector is increasing competition between local
sellers due to this competition the local seller have to increase it quality with
the competitive price strategy which they use for selling the product. FDI in
retail sector is making the local seller to compete with them otherwise move
out from the competitive league. FDI also make the price of the product so
competitive that eventually it helps the consumer to get that product in fewer
prices.

We can say that FDI has both positive as well as negative sides and it totally
depend on thinking of a person. I think that FDI in retail sector is a good
opportunity for Indian retailers to joint with them and try to overcome them
so that consumer will get the best out of it whereas it provides opportunity to
various unemployed person in the country.
[03:56, 6/10/2016] +91 99521 23360: Steps to write a precis:

Read the paragraph properly and identify the main idea of paragraph. Your
precis will be written based on this central idea.
Pencil down the points you think are important and should be included in the
precis, and write them in short hand in the side margin.
Write your summary, incorporating your points.
Review it and edit if required.
Erase the penciled points
Download Precis Writing eBook
Important points to remember

What you should do :1. Give a catchy title to the summary and underline it.
2. Maintain the same tense as in the given paragraph; if paragraph is given in
past tense, then your summary should be in past tense too.
3. Number of words in the summary should be approximately 1/5th of the
words in the paragraph.

But dont waste time to count the words one by one! Count the number of
words in the first sentence and multiply it with number of sentences, thatll
give you a rough idea.
4. Your summary should be only one paragraph.
5. Try to fit in all the relevant, important and necessary information only.
6. Retain the key words from the original paragraph; but change/substitute
other words to write your summary.
7. MOST important rule!! Your prcis should always be in third person, even if
the paragraph is in first or second person.
8. And remember to check for grammatical and spelling errors.

What you should definitely NOT do!

1. Do not use figure of speeches...i.e., no muhavras please!


2. Do not add your personal opinion; remember in precis your job is to
shorten the given paragraph, maintaining the authors views.
3. Do not quote any examples of your own. If the paragraph has an example,
and you think it is important and relevant and should be included, only then
should you do it.
4. Do not include information which you think are less important or are
secondary in nature.
5. Do not use direct speech.
6. Do not add adjectives if not mentioned in the paragraph.

There you go folks! Thats all there is to go on Prcis dos and donts front.

Prcis is easy; all you need to remember is to be precise and brief!


[03:57, 6/10/2016] +91 99521 23360: Precis Writing is an important part of
SBI PO descriptive paper. In precis writing you need to summarize the a
paragraph into one third part without skipping any idea or any important
part.
Important points to consider while writing precise writing
Never rewrite - It means never pick and rewrite important lines from the
paragraph.
Follow the format - Precise should be one third of the paragraph.
Never skip any idea or flow of opinions
Always write facts and conclusion
Write to the point while maintaining the clarity of thoughts

Media is the mirror of our society which delivers economic and political
transparency through various channels like online, print and electronic. These

days, there is huge impact of paid news which distracts peoples thought.

Corporate houses and public relation agencies are also using paid news to
promote their products and services; which are examples of paid news. But,
sometime aid news is making bad impact on the society. Due to this,
credibility of media houses has decreased.
Impacts of paid media
Decrease in credibility of various media channels
Conflict of news and facts in various media channels. Each channel will be
showing different facts.
Lack of useful and informative content
Promotion of health hazardous products like tobacco
Bad impact of thought process of children
In my opinion, there should be strict laws and public awareness to improve
the transparency in the media houses. Also public relation agencies and
media houses shouldn't promote health hazardous products. Media should
also recognize that what they are doing and whats its impact over the
society. Therefore media houses should take responsibility that they are
reliable and help the society by means of various channels.

How to impact of paid media can be reduced


It is a known fact that media houses need money to survive and grow. So,
paid news can't be eliminated.
Here are ways to eliminate bad impacts of paid news
Mention that a news is paid
Informative content is more important than paid content
No media house should take money to recommend a product or service. If
they are taking money then they should reveal it properly.
Never mix paid news with other sections.

Precise for above paragraph :Media houses are losing their credibility by making paid news. Media's job is
to share reliable news with public to make them aware about the economy
and development. Media houses should mention that which news is paid or
not. In this way, media can improve its credibility and transparency will come
in the system
[04:00, 6/10/2016] +91 99521 23360: Reading Comprehension Strategies
and Tips
Published on 1:30 PM
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Reading comprehensions are high scoring part of every competitive
examination still accuracy of students is lowest in this part. Today I am going
to share some tips and strategies to help you improve your score.

Here are my strategies :How to select passages to attempt

As there is lack of time in every competitive exam and it is a fact that you
can't attempt all passages, you need to choose between various passages
. As there is question sets with reading comprehension, your selection makes
a big impact on your final marks.
Are you comfortable with the topic
Most important thing before selecting a passage is the topic on which
passage is based. Do you love history ? You saw a passage on Aurengzeb. You
shouldn't skip it at any cost. If you love to read about a particular topic, your
reading speed as well as accuracy will be high in this topic.

Skip the topics you are unaware of. There are high chances that you will mark
wrong answers for this comprehension.

Vocabulary Usage

You can't build your vocabulary in a week or few days. It is a time consuming
process. So before attempting any passage, skim it and find out - Are you
comfortable with the topic. If your answer is yes then attempt that passage.

Download Free Vocabulary List PDF

Author's tone
It's very important to understand tone of author. It may be optimistic,
pessimist, sarcastic, angry or contemplative. If you are able to understand
what author is trying to say then there is high probability that you will mark
right answers.

Length of passage
Without going into any details, simply prefer smaller passages.

Difficulty level of questions


If you find that questions are beyond the conclusion you found from the
passage, simply skip that question, Never try to mark nearest answer. Mark
the answer only if you sure about it. Accuracy level of most of the candidates
is lowest in this part of every competitive exam.

How to attempt Reading comprehensions

Step 1 - Read the passage quickly as you read an article in a newspaper.


Don't be in hurry. Try to understand author's tone and subject matter.

Step 2 - Note the flow of ideas in the comprehension. You can remember that
in your mind. It's better to write 2-3 words for each idea.

Step 3. Make a relationship chart of ideas


chart of ideas

Step 4 - Read the questions

Step 5 - Never assume anything related to real life. Find answers from the
author's point of view.

Generally you will find author's opinion from concluding paragraph.

How to improve your score in Reading comprehensions

Speed reading and practice


You have just 2-3 minutes to read a 1000 words comprehension. If you can't
do this, then you need to work on your reading speed. Try to build a habit of
reading ling paragraphs online. This habit will increase your reading speed as
well as accuracy.

I wrote a detailed post on how to increase your reading speed. Read this post
in detail.

Skip it !
Yes that's right

If there are 2 comprehensions and only 8-10 minutes left then it's a smart
decision to attempt only 1 comprehension properly.

Practice
Practice makes a man perfect. More practice will lead to increase in speed as
well as accuracy. You can practice many reading comprehensions on
TestPanda.com
[04:02, 6/10/2016] +91 99521 23360: Descriptive Paper (21 June 2014)

Letter writing
Write a letter to a home loan applicant informing him about rejection of his
application as the loan amount was greater than his eligible amount
A person took a car loan, but he sold the car without paying the installments
or notifying the bank. Write him a warning letter.
Write a letter to friend explaining him how to plan his retirement
Paragraph
If you become Member of Parliament of India, what will you do
Comprehension
Smart card and Virtual banking
Precis writing
Trust and ethics of banking
Professional ethics in banking sectors.
Essay writing
The relevance of Swadeshi on Globalization
How far can Media has license to infringe in individual privacy
[04:02, 6/10/2016] +91 99521 23360: As many readers asked me to share
SBI PO 2013 descriptive paper. Today I am sharing previous paper. In next few
days, I will share more valuable articles to prepare for decriptive paper.
Letter writing
Write a letter to your brother, explaining him how to preparae for competiive
recruitment exams.

Write a letter to HR manager of XYZ company for accepting job offer.


Write a letter to CEO of your company for lodging complaint of late working
hours without extra pay.
Essay Writing (700-800 words) :Women empowerment in India.
Importance Banking services in our life
Paragraph writing (450-500 words) :Importance of investment
Importance of power saving
Role of small and medium scale industries in India
Precise Writing ( 1500 words precise) :Reasons behind Inflation
EPS in banks
[04:08, 6/10/2016] +91 99521 23360: Essay writing
I have already explained how to write an Essay here.

Before starting must read Format and tips for essay writing

Popular essay writing subjects

Social media
Social problems (Unemployments, Eve teasing, Poverty etc)
Politics
Banking (Financial inclusion, RBI policy for housing loans, Jan dhan Yojna etc)
Government welfare scheme (Soil card scheme, Dhoodh ganga, Mid day
meal, Beti bachao etc)
Foreign affairs

Economics (Budget 2015, Calance of Payments etc)


[04:18, 6/10/2016] +91 99521 23360: SAMPLE ESSAY: Future of Banking
Industry (250 words)

The banking sector has witnessed an unprecedented growth along with


outstanding improvement in its quality of assets and efficiency. Banks have
gradually transformed themselves and have gone worldwide. ATMs, Internet
banking, mobile banking and social banking have made anytime anywhere
banking the benchmark now.

What is shaping the future of banking industry is the increasing use of mobile
wallets. With the advent of technology and increasing use of smartphones
and tablet based devices, the use of mobile banking functionality would
enable customers to connect across the entire world faster than before. The
attempt of the banks to go digital has been to reduce the cost of operations.
ATMS, which have been offering a wide range of services, reduces the cost.
Internet operations reduce it further.

Many Banks have been offering banking services through social networking
sites like the twitter and Facebook and have launched Pockets, a digital bank
with a mobile interface. It is a wallet, a virtual place to store money. It can be
used to book tickets, pay bills, check bank accounts, open FD, credit cards
and make fund transfers, view credit card statements, transfer money to
linked accounts.

The future of retail banking will be dominated by mobile computing and


technology. Banks offer online banking and mobile apps that can do most
banking functions. Digital currencies and payment networks like Bitcoin may
prove to be the true future of mobile banking as the underlying technology
gains mass acceptance.
[04:18, 6/10/2016] +91 99521 23360: How We Made This Essay

Every essay requires a very brief and a good introduction which explains the
background of the topic and what the topic talks about. Like, in this essay we
have given a brief introduction about how the banking sector has progressed
and improved so far.

Continuing with the introduction comes the main body of the essay. While
writing the body of the essay you have to be descriptive and write all your
points, arguments, views in a proper manner. For example the body of this
essay talks about the future of banking industry and the steps taken by banks
to go digital.
Every essay requires a concluding paragraph which is called the conclusion
and is as important, as the rest of the essay. In the concluding paragraph you
need to conclude all the points you have written in the body by presenting a
brief analysis. For instance, in this essay we conclude by stating that future
of retail banking will be dominated by mobile computing and technology.
Things to Remember

It is important that you stick to the word limit. Usually you are supposed to
write the essay within a limit of 350-400 words. It is important that you
neither write less, nor exceed the word limit. You are also marked in the exam
for being precise.
You must ensure that your content does not seem repetitive. Repetition of
words/sentences or content as a whole invites cutting of marks. Try and use
synonyms in case you see that a word is getting repeated a number of times
in the essay.
Your essay must have a flow of argument. This means that introduction of
your essay should effortlessly lead to the body, which should lead to the
conclusion. Disjointed arguments or breaks arise when you are trying to say
too many things in a hap-hazard way.
It is a good idea to ensure that the conclusion of your essay satisfies the
question asked through the topic of the essay. This implies that if in case the
topic of your essay states a problem (for instance, increasing rate of poverty
in India), then the conclusion of your essay must give at least one solution or
reason that has been determined through the body of the essay. However, in
case the topic of your essay demands an opinion (for instance, Role of
newspapers in influencing society or youth), then the conclusion of your
essay should clearly state what your opinion is on the matter.
[04:20, 6/10/2016] +91 99521 23360: Today we will be covering a sample
essay on Goods and Services Tax based on the format that you need to
follow while writing the essay for your SBI PO mains exam 2015.

Sample Essay:

The Goods and Services Tax (GST) is a value added tax that will replace all
indirect taxes levied on goods and services by the Government, both Central
and States, once it is implemented.

The GST is a consolidated tax based on a uniform rate of tax fixed for both
goods and services. All goods and services, leaving aside a few (alcohol,
tobacco, petroleum products), will be brought into the GST and there will be
no difference between goods and services. The GST rate is expected to be
around 14-16 per cent.

Introduction of a GST is very much essential in the emerging environment of


the Indian economy. In the GST system, when all the taxes are integrated, it
would make possible the taxation burden to be split equitably between
manufacturing and services. It will also help to build a transparent and
corruption-free tax administration. There are certain bottlenecks which need
to be taken care of before that: What preparations are needed at the level of
Central and State Governments for implementing the GST? Whether the
Government machinery is efficient enough for such an enormous change?
Whether the tax-payers are ready for such a change?

According to a study by the National Council of Applied Economic Research


(NCAER), full implementation of the GST could expand Indias growth of gross
domestic product by 0.9-1.7 percentage points. By implementing the GST,
India will gain $15 billion a year. It will promote more exports, create more
employment opportunities and boost growth.
[04:21, 6/10/2016] +91 99521 23360: Sample Essay:

Every year some 3.4 million people, mostly children, die from diseases
associated with inadequate water supply, sanitation, and hygiene. Over half
of the hospital beds in the world are filled with people suffering from water
and sanitation-related diseases. India alone forms a major chunk of all this
data.

In our country, access to sanitation facilities and safe drinking water is still a
distant dream. While India is progressing in other aspects, lack of sanitation

and drinking water facilities have acted as a hindrance to the development


process. These basic rights are not only important to health and sustainable
development, but are also very essential for removal of poverty and overall
growth of the country. According to the latest estimates by the UN, 48% of
the total population in India defecates in open, which is more than in any
other country in the world.

The father of the nation, Mahatma Gandhi, was well aware of the bad and
unclean situation here. He emphasized on cleanliness and sanitation, as well
as its implementation in the daily lives for everyone. However, it was not so
effective due to insufficient participation of the masses. Today, even after 67
years of independence, we have only about 30% of the rural households
which have access to toilets.

When human waste (feces and urine) is not taken care of, it leads to
increased pollution in the environment and causes serious health problems,
such as diarrhea, worms, cholera, and bladder infections. Improper sanitation
and inaccessibility to safe and clean water is the reasons why millions of
Indians suffer every year from such diseases. Providing sanitation to all is the
need of time.

So, bearing all the sanitation and cleanliness related problems in mind, our
government has taken a bold step. For ensuring hygiene, waste management
and sanitation across the nation, a Swachh Bharat Abhiyan or Clean India
Mission was launched in Oct, 2014. Furthermore, emphasizing on Clean
India in his 2014 Independence Day speech, Prime Minister Narendra Modi
himself said that this movement is associated with the economic activity of
the country.

The prime objective of the mission is to create sanitation facilities for all. It
aims to provide every rural family with a toilet by 2019. The completion of
this mission would indirectly draw the attention of business investors in India
and enhance the GDP growth. Clean India would bring more tourists and
enhance its economic condition. The Prime Minister of India has requested
every Indian to devote their 100 hours per year for the cleanliness in India
which is estimated to be more than sufficient to turn this country into a clean
country by 2019.
[04:23, 6/10/2016] +91 99521 23360: Today we will be covering a sample

letter on Pros and cons of allowing 10 year old children to open accounts.
based on the format that you need to follow while writing the essay for your
SBI PO mains exam 2015.

Sample Essay-

To encourage your child to start young, many banks offer attractive savings
accounts, exclusively for children. There are many pros and cons of letting
your child open a bank account. As fund-flows into their accounts happen
through transfers from the parents accounts, they can monitor their
spending. Parents also get mail/SMS alerts on the account transactions.
These added services help instill a sense of discipline and responsibility in
money matters. Periodical personalized account statement, for example it
shows the child his/her spending habits. Also, limits on the ATM withdrawals
and debit card usage curb their temptation for impulsive purchases. Accounts
are not only designed to teach children the habit of saving, but also the habit
of investment.

While there are many benefits that flow from making your kids financially
independent, there are few things which you need to consider. It is in any
case your money and you would be accompanying your child when he does
most of his banking transactions, would you rather spend out of your pocket.
Liberal spending limits that almost all banks offer also seem to bother. Would
you give a debit card to your 10-year old with a daily spending or ATM
withdrawal limit with huge amounts. Would children, be careful with their
debit cards and internet pins and passwords or would it give room for misuse.

How We Made This Essay

Every essay requires a very brief and a good introduction which explains the
background of the topic and what the topic talks about. Like, in this essay we
have talked about the pros and cons of children opening up their bank
accounts.
Continuing with the introduction comes the main body of the essay. While
writing the body of the essay you have to be descriptive and write all your
points, arguments, views in a proper manner. For example the body of this

essay talks about the all the pros and cons if parents should allow their
children to open a bank account.
Every essay requires a concluding paragraph which is called the conclusion
and is as important, as the rest of the essay. In the concluding paragraph you
need to conclude all the points you have written in the body by presenting a
brief analysis.
[04:24, 6/10/2016] +91 99521 23360: Today we will be covering a sample
letter on Use of Animals in Scientific Research based on the format that you
need to follow while writing the essay for your SBI PO mains exam 2015.

sbi po descriptive
Sample essay

Scientists often use animals as experiment media in their scientific research. I


believe, although research ethic codes state the use of human is unexcused,
use of animal is still unreasonable and unacceptable based on animals right.

Whether animals should be used for testing, has become a much debatable
issue. Some people assert that Animals are necessary of use in product
development, while some advocates of animal rights try to prohibit animal
use in experiments of scientific research because they are upset by what they
see as needless suffering. They believe that everything was created equal;
humans do not have the right to deprive animals of their lives.

Firstly the definition of rights between humans and animals are different.
Animals do not have some rights as humans because there is no morality for
them; animals do no moral wrong, and the concepts of wrong, and of right,
are totally foreign. (Cohen 2001 p. 31) Therefore it is impossible to empower
the same rights to humans and animals, and animals should not be
considered for the same position as humans.

Secondly animal testing standards are acceptable as they are controlled by


many laws and regulations. Thirdly animals are necessary for product
development. Most animal experiments are conducted for the development
of technology and some good medicine has come from it

In conclusion, in some cases, using animals in scientific research gives


benefit in science development, but occasionally, in fact, using animals is
unnecessary process and can cause them hurt. Government should create
regulation about using animal in experiment, for protecting animals from
infraction of animals right.

How We Made This Essay

Every essay requires a very brief and a good introduction which explains the
background of the topic and what the topic talks about. Like, in this essay we
have given a one-line introduction about use of animals ins scientific
research in status quo
Continuing with the introduction comes the main body of the essay. While
writing the body of the essay you have to be descriptive and write all your
points, arguments, views in a proper manner. For example the body of this
essay talks about the different perspectives that are present on how animals
should be treated in scientific experiments.
Every essay requires a concluding paragraph which is called the conclusion
and is as important, as the rest of the essay. In the concluding paragraph you
need to conclude all the points you have written in the body by presenting a
brief analysis. For instance, in this essay we conclude by giving the final
perspective and also provie a solution to combat its disadvantage.
Things to Remember

It is important that you stick to the word limit. Usually you are supposed to
write the essay within a limit of 350-400 words. It is important that you
neither write less, nor exceed the word limit. You are also marked in the exam
for being precise.
You must ensure that your content does not seem repetitive. Repetition of
words/sentences or content as a whole invites cutting of marks. Try and use
synonyms in case you see that a word is getting repeated a number of times
in the essay.
Your essay must have a flow of argument. This means that introduction of
your essay should effortlessly lead to the body, which should lead to the
conclusion. Disjointed arguments or breaks arise when you are trying to say

too many things in a hap-hazard way.


It is a good idea to ensure that the conclusion of your essay satisfies the
question asked through the topic of the essay. This implies that if in case the
topic of your essay states a problem (for instance, increasing rate of poverty
in India), then the conclusion of your essay must give at least one solution or
reason that has been determined through the body of the essay. However, in
case the topic of your essay demands an opinion (for instance, Role of
newspapers in influencing society or youth), then the conclusion of your
essay should clearly state what your opinion is on the matter.
[04:24, 6/10/2016] +91 99521 23360: Today we will be covering a sample
essay on Women Safety based on the format that you need to follow while
writing the essay for your SBI PO mains exam 2015.

sbi po main descriptive essay


Sample Essay:

The condition of women in India has always been a matter of grave concern.
Every single day women from all walks of life are being assaulted, molested,
and violated. The patriarchal nature of Indian society has greatly hampered
both the independence as well as the safety of women. There is an unspoken
war on the streets. Women wear full-covered attire to protect their bodies
while others avoid the mere glance of the roving gaze.

The Delhi gang rape incident in which a 23 year old paramedical student was
gang-raped by 6 men inside a moving bus and thrown off the bus naked and
her male friend were beaten and assaulted with an iron rod had undoubtedly
shocked the nation to its core. There is a large portion of women in India who
are subjected to rape and other forms of sexual assault on a daily basis and
still their cases go unnoticed.

If we collectively see the scenario of sexual crimes against women, it can be


easily seen that stringent laws alone cannot do much. What really needs to
be done is the moral overhauling of the minds of the masses by means of
education and awareness.

Strong and stringent laws are definitely necessary as the existing laws have
proved to be inefficient in ensuring swift justice and appropriate punishment
to the guilty. But the actual need of the hour is a revolutionary change in the
mindsets and conscience of Indian men so that they stop seeing women as
objects of sexual pleasure.

How We Made This Essay

Every essay requires a very brief and a good introduction which explains the
background of the topic and what the topic talks about. Like, in this essay we
have given a brief introduction about condition of women in India.
Continuing with the introduction comes the main body of the essay. While
writing the body of the essay you have to be descriptive and write all your
points, arguments, views in a proper manner. For example the body of this
essay talks about why women are unsafe and the scenarios of sexual crimes
against women.
Every essay requires a concluding paragraph which is called the conclusion
and is as important, as the rest of the essay. In the concluding paragraph you
need to conclude all the points you have written in the body by presenting a
brief analysis. For instance, in this essay we conclude by stating that strong
and stringent laws along with revolutionary change in the mindset.
Things to Remember

It is important that you stick to the word limit. Usually you are supposed to
write the essay within a limit of 350-400 words. It is important that you
neither write less, nor exceed the word limit. You are also marked in the exam
for being precise.
You must ensure that your content does not seem repetitive. Repetition of
words/sentences or content as a whole invites cutting of marks. Try and use
synonyms in case you see that a word is getting repeated a number of times
in the essay.
Your essay must have a flow of argument. This means that introduction of
your essay should effortlessly lead to the body, which should lead to the

conclusion. Disjointed arguments or breaks arise when you are trying to say
too many things in a hap-hazard way.
It is a good idea to ensure that the conclusion of your essay satisfies the
question asked through the topic of the essay. This implies that if in case the
topic of your essay states a problem (for instance, increasing rate of poverty
in India), then the conclusion of your essay must give at least one solution or
reason that has been determined through the body of the essay. However, in
case the topic of your essay demands an opinion (for instance, Role of
newspapers in influencing society or youth), then the conclusion of your
essay should clearly state what your opinion is on the matter.
[04:25, 6/10/2016] +91 99521 23360: Today we will be covering a sample
essay on International Yoga Day, based on the format that you need to
follow while writing the essay for your SBI PO mains exam 2015.

sbi po 2015 english


Sample Essay:

The Untied Nations recently declared June 21 as the International Yoga Day. It
was Sadhgurus vision to make this day into a major offering of yoga and a
possibility for people of all age groups, religions, nationalities and social
backgrounds to be able to peacefully meditate, expanding their perception of
life from individuality to universality.

Yoga is a physical, mental and spiritual practice or discipline that originated in


India. Thousands of people including Indian Prime Minister Narendra Modi
and a large number of dignitaries from 84 nations, performed 21 Yoga
postures for 35 minutes at Rajpath in New Delhi. The day devoted to Yoga
was observed by millions across the world. The event at Rajpath established
two Guinness world records.

Yoga enhances vitality, focus, memory and productivity, stabilizes the body,
mind and emotions, strengthens and stabilizes the spine, can relieve back
pain, stress, anxiety and tension, can relieve from chronic ailments and
improves overall health, enhances teamwork and communication, imparts a
lasting sense of joy, peace and fulfillment.

The message of yoga is: Not up, not out in. The only way out is in. We are
7 billion people, and it is expected that by 2050, we will be 10 billion people.
If we seek wellbeing from within, we are not in conflict with anything. If we
look up, we are in conflict. If we look out, we are in conflict. But if we look
inward for our wellbeing, there is never any conflict not in the world, not
within us. This is a successful process, and its eco-friendly!

How We Made This Essay

Every essay requires a very brief and a good introduction which explains the
background of the topic and what the topic talks about. Like, in this essay we
have given a brief introduction about how the international yoga day came
into being.
Continuing with the introduction comes the main body of the essay. While
writing the body of the essay you have to be descriptive and write all your
points, arguments, views in a proper manner. For example the body of this
essay talks about how yoga was originated and how it benefits people.
Every essay requires a concluding paragraph which is called the conclusion
and is as important, as the rest of the essay. In the concluding paragraph you
need to conclude all the points you have written in the body by presenting a
brief analysis. For instance, in this essay we conclude by stating the message
of yoga and what in a larger perspective it aims at telling people.
Things to Remember

It is important that you stick to the word limit. Usually you are supposed to
write the essay within a limit of 350-400 words. It is important that you
neither write less, nor exceed the word limit. You are also marked in the exam
for being precise.
You must ensure that your content does not seem repetitive. Repetition of
words/sentences or content as a whole invites cutting of marks. Try and use
synonyms in case you see that a word is getting repeated a number of times
in the essay.
Your essay must have a flow of argument. This means that introduction of

your essay should effortlessly lead to the body, which should lead to the
conclusion. Disjointed arguments or breaks arise when you are trying to say
too many things in a hap-hazard way.
It is a good idea to ensure that the conclusion of your essay satisfies the
question asked through the topic of the essay. This implies that if in case the
topic of your essay states a problem (for instance, increasing rate of poverty
in India), then the conclusion of your essay must give at least one solution or
reason that has been determined through the body of the essay. However, in
case the topic of your essay demands an opinion (for instance, Role of
newspapers in influencing society or youth), then the conclusion of your
essay should clearly state what your opinion is on the matter.
[04:25, 6/10/2016] +91 99521 23360: Today we will be covering a sample
essay on United Nation Organizations contribution towards the recent
turmoils in Ukraine, based on the format that you need to follow while
writing the essay for your SBI PO mains exam 2015.sbi po mains 2015 sample
essay
Sample Essay:

The interim President of Ukraine had appealed to the United Nations to send
UN peacekeepers to his disturbed nation. The point of contention here is to
determine what exactly is the United Nations (UN) doing about the crisis in
Ukraine, which is moving towards the possibility of a civil war.

The UN has come up with two major moves, first, there was a vote in the UN
Security Council in March at the request of the interim government in Kiev, on
the draft resolution condemning the referendum in Crimea that saw it leaving
Ukraine and joining Russia. The resolution was surprisingly vetoed by Russia,
with China abstaining it.

Secondly, the UN General Assembly in March called on nations not to accept


the Crimean referendum and was approved by 100 countries, rejected by 11,
with 58 abstaining. We have just been reminded of how useless UN is in
times of conflict. It could have done more to prevent the war in Iraq; made an
effort to prevent Libya and could have been more enthusiastic to end the civil
war in Syria.

The UN is not fit for its purpose any more. The US is not the right place for it,
for many reasons. The reason behind creating the UN and basing it in the US
was a great idea in 1945, when Europe was still trying to get through World
War II and the others simply couldnt afford to host such a vast institution.

The new world order demands a new world organisation, with less
bureaucracy, less corruption and with an effective rapid response
humanitarian structure that can help victims of both military conflicts and
natural disasters quickly and professionally.

How We Made This Essay

Every essay requires a very brief and a good introduction which explains the
background of the topic and what the topic talks about. Like, in this essay we
have given a brief introduction about what exactly is Ukraines problem.
Continuing with the introduction comes the main body of the essay. While
writing the body of the essay you have to be descriptive and write all your
points, arguments, views in a proper manner. For example the body of this
essay talks about the steps taken by UN towards the recent turmoil in
Ukraine.
Every essay requires a concluding paragraph which is called the conclusion
and is as important, as the rest of the essay. In the concluding paragraph you
need to conclude all the points you have written in the body by presenting a
brief analysis. For instance, in this essay we conclude by stating that the new
world demands a new world organisation.
Things to Remember

It is important that you stick to the word limit. Usually you are supposed to
write the essay within a limit of 350-400 words. It is important that you
neither write less, nor exceed the word limit. You are also marked in the exam
for being precise.
You must ensure that your content does not seem repetitive. Repetition of
words/sentences or content as a whole invites cutting of marks. Try and use
synonyms in case you see that a word is getting repeated a number of times
in the essay.

Your essay must have a flow of argument. This means that introduction of
your essay should effortlessly lead to the body, which should lead to the
conclusion. Disjointed arguments or breaks arise when you are trying to say
too many things in a hap-hazard way.
It is a good idea to ensure that the conclusion of your essay satisfies the
question asked through the topic of the essay. This implies that if in case the
topic of your essay states a problem (for instance, increasing rate of poverty
in India), then the conclusion of your essay must give at least one solution or
reason that has been determined through the body of the essay. However, in
case the topic of your essay demands an opinion (for instance, Role of
newspapers in influencing society or youth), then the conclusion of your
essay should clearly state what your opinion is on the matter.
[04:26, 6/10/2016] +91 99521 23360: Find below a sample essay on the topic
future of the banking industry, based on the format that you need to follow
while writing the essay for your SBI PO mains exam 2015.

sbi po 2015

SAMPLE ESSAY: Future of Banking Industry (250 words)

The banking sector has witnessed an unprecedented growth along with


outstanding improvement in its quality of assets and efficiency. Banks have
gradually transformed themselves and have gone worldwide. ATMs, Internet
banking, mobile banking and social banking have made anytime anywhere
banking the benchmark now.

What is shaping the future of banking industry is the increasing use of mobile
wallets. With the advent of technology and increasing use of smartphones
and tablet based devices, the use of mobile banking functionality would
enable customers to connect across the entire world faster than before. The
attempt of the banks to go digital has been to reduce the cost of operations.
ATMS, which have been offering a wide range of services, reduces the cost.
Internet operations reduce it further.

Many Banks have been offering banking services through social networking
sites like the twitter and Facebook and have launched Pockets, a digital bank

with a mobile interface. It is a wallet, a virtual place to store money. It can be


used to book tickets, pay bills, check bank accounts, open FD, credit cards
and make fund transfers, view credit card statements, transfer money to
linked accounts.

The future of retail banking will be dominated by mobile computing and


technology. Banks offer online banking and mobile apps that can do most
banking functions. Digital currencies and payment networks like Bitcoin may
prove to be the true future of mobile banking as the underlying technology
gains mass acceptance.

____________________________

How We Made This Essay

Every essay requires a very brief and a good introduction which explains the
background of the topic and what the topic talks about. Like, in this essay we
have given a brief introduction about how the banking sector has progressed
and improved so far.
Continuing with the introduction comes the main body of the essay. While
writing the body of the essay you have to be descriptive and write all your
points, arguments, views in a proper manner. For example the body of this
essay talks about the future of banking industry and the steps taken by banks
to go digital.
Every essay requires a concluding paragraph which is called the conclusion
and is as important, as the rest of the essay. In the concluding paragraph you
need to conclude all the points you have written in the body by presenting a
brief analysis. For instance, in this essay we conclude by stating that future
of retail banking will be dominated by mobile computing and technology.
Things to Remember

It is important that you stick to the word limit. Usually you are supposed to
write the essay within a limit of 350-400 words. It is important that you
neither write less, nor exceed the word limit. You are also marked in the exam
for being precise.

You must ensure that your content does not seem repetitive. Repetition of
words/sentences or content as a whole invites cutting of marks. Try and use
synonyms in case you see that a word is getting repeated a number of times
in the essay.
Your essay must have a flow of argument. This means that introduction of
your essay should effortlessly lead to the body, which should lead to the
conclusion. Disjointed arguments or breaks arise when you are trying to say
too many things in a hap-hazard way.
It is a good idea to ensure that the conclusion of your essay satisfies the
question asked through the topic of the essay. This implies that if in case the
topic of your essay states a problem (for instance, increasing rate of poverty
in India), then the conclusion of your essay must give at least one solution or
reason that has been determined through the body of the essay. However, in
case the topic of your essay demands an opinion (for instance, Role of
newspapers in influencing society or youth), then the conclusion of your
essay should clearly state what your opinion is on the matter.
[04:27, 6/10/2016] +91 99521 23360: SBI PO Main 2015 Descriptive Exam
Sample LetterPosted in English Notes, SBI PO On July 23, 2015
Here is a sample letter on Letter to the Branch Manager for availing locker
facility for the SBI PO Main 2015 Descriptive Exam

ABC Street,

Kolkata

23rd July, 2015

To,

The Branch Manager

Indian Overseas Bank

Kolkata

Sir,

Subject Request to avail locker facility

This is in regards to my existing savings account with your bank, under the
name XYZ/Account Number. I am an old customer with your bank and have
my numerous transactions dealt with, through account with you.

It may not come as a surprise to you that keeping valuables and important
documents at home is not safe these days. Moreover, owing to my schedule
and routine, I need to ensure that all my valuables are kept in a secure place
at all times.

Thus, I would like to avail the locker facility with your bank, to ensure
absolute safety of my assets.

I, thereby, request you to provide me with complete details regarding the


locker facility at your bank, like locker rental charges, documents required
and other necessary information.

Your kind consideration is solicited.

Thanking you

Yours Sincerely,

XYZ

Letter Format

Address

Date

To,

The Branch Manager

Address

Dear Sir/Madam,

Subject

Introduction Share the basic information regarding your account with the
bank.

Body Share the problem and the request made in regards to the said
problem

Conclusion Request the manager to consider the request made.

Thanking you.

Yours Sincerely,

Your Name.
[04:31, 6/10/2016] +91 99521 23360: Today we will be covering a sample
letter on the following question: Write a letter to the Branch Manager for
availing overdraft facility

ssc cgl tier 1 sample letter


Flat no. 247

Orange Pie Apartments

Kolkata

20th July, 2015

To,

The Branch Manager

Indian Overseas Bank

Salt lake

Kolkata

Sir,

Subject- Request for availing overdraft facility

This is to request you that, M/s. Bansal Trading Company, are holding a
current A/c with your bank since the last seven years and our dealing have
always been faultless.

With the sudden slump in the market the cash rotation has been satisfactory.
Moreover the suppliers are not extending their credit terms. Keeping these
things in view, we request you to avail us an O.D. facility of Rs. 2,00,000 (two
lakhs only) for a period of six months by which the market is expected to pick
up. Necessary details and documents required by your bank will be provided.

Your kind consideration is solicited.

Thanking You

Yours Faithfully

Bansal Trading Company

Format

[Your address]
[Your city, state, pin code]

[Todays date]

[The Manager]
[Name of the bank]
[City, state, pin code]

SUBJECT: describe the problem in one line

Dear (Sir/ Madam):

Introduction: Inform the manager about the problem

Body: Request the manager to allow you for availing the overdraft facility and
mention the amount along with the duration.

Concluding remark: Request the manager to consider your request.

Sincerely,

[Your signature]

[Your name]
[04:31, 6/10/2016] Yasmin Race: Gud mrg anna
[04:32, 6/10/2016] +91 99521 23360: happy morning
[04:32, 6/10/2016] +91 99521 23360: Today we will be covering a sample
letter on the following question: Letter to the bank for making stop
payment.

sbi po mains 2015 sample letter

House No. 10, Vaishali Appartments


Noida, U.P.

201301

14th July, 2015

To,
The Branch Manager,
Canara Bank
New Delhi

Sir

Subject- Stop payment of the cheque

This is to bring to your kind attention that we had presented a cheque of Rs.
1,25,000 (one lakh twenty five thousand only) to our supplier, M/s Chawla
Agencies on June 14th July, 2014. The cheque has been lost by the party
which was conveyed to us today in the morning. You are requested to make
stop payment of the cheque. The cheque No. is 46757384 which stands
cancelled as on date.

I am waiting for a quick response.

Thanking you

Yours Sincerely

M/s Shetty & Co.

Format

[Your address]
[Your city, state, pin code]

[Todays date]

[The Manager]
[Name of the bank]
[City, state, pin code]

SUBJECT: describe the problem in one line

Dear (Sir/ Madam):

Introduction: Inform the manager about the problem

Body: Request the manager to stop the payment of the cheque and provide
all the necessary details like the amount, the cheque number.

Concluding remark: Request the manager to take a quick response.

Sincerely,

[Your signature]

[Your name]
[04:33, 6/10/2016] +91 99521 23360: Today we will be covering a sample
letter on the following question: Write a letter to the Bank Manager seeking
time for payment of EMI.sbi po mains sample letter
No.10 Bazullah Road
Shenoy Nagar
Chennai 600084

Date: 10.7.2015

To,
The Manager
State Bank of India
6 -th Avenue

Anna Nagar West

Tamil Nadu, Chennai

Dear Sir,
Sub: Seeking time for payment of EMI for Education Loan

This is to inform that, I availed an Education Loan (A/c No. SHN/23456/2007)


of Rs.6 lakhs in the year 2008 from your bank branch, for studying B.Tech
from Lovely Professional University (LPU). I completed my B.Tech degree in
March 2014 and I had attended campus recruitment tests conducted at the
University. I could not get placed because of less percentage of marks. After

completing the degree I am applying in various software companies for


recruitment and I am pretty much sure of getting employed soon. In the
meantime I have received your letter dated 8th July 2015 asking me to pay
the Easy Monthly Installment (EMI). Due to some financial problems, I am
unable to repay the EMI as per the schedule. Kindly grant me an extension for
further six months.

I am hoping of getting employed in a software company or in a nationalized


bank by the end of this month. I am sure you will consider my request
favorably, waiting for a positive response.

Thanking you,

Yours faithfully,

ABC

Format

[Your address]
[Your city, state, pin code]

[Todays date]

[The Manager]
[Name of the bank]
[City, state, pin code]

SUBJECT: describe the problem in one line

(Subject is suppose to be written in capital letters and underline the subject)

Dear (Sir/ Madam):

Introduction: Request the manager to grant you the extension for payment of
EMI.

Body: Provide a reason as to why the manager should provide you with an
extension. Provide all the important details about your studies.

Concluding remark: Request the manager to extend the time period for the
payment of EMI and you will abide by all the terms an conditions.

Sincerely,

[Your signature]

[Your name]

Points to Remember:

It is very important to follow the format while writing a formal letter. You
neither write less, nor exceed the word limit. You have to be very precise
while writing a formal letter.
You must ensure that your content does not seem repetitive. Repetition of
words/sentences or content as a whole invites cutting of marks. Try and use
synonyms in case you see that a word is getting repeated a number of times
in the letter.

Your letter should be written in a particular flow. The subject should highlight
the main purpose of letter. The introduction of your letter should effortlessly
lead to the body, which should lead to the concluding paragraph.
[04:33, 6/10/2016] +91 99521 23360: Today we will be covering a sample
letter on the following question: a Letter to the Regional Manager of Bank
requesting for a loan for further studies , based on the format that you need
to follow while writing the essay for your SBI PO mains exam 2015.

sbi po 2015
Sample Letter:

8976 Nirman Appartments

Noida, Uttar Pradesh- 201301

6th July 2015

The Regional Manager

State Bank of India

New Delhi

Dear sir/ madam

SUBJECT: REQUESTING FOR A LOAN FOR FURTHER STUDIES

Recently I came to know that your esteemed bank provides loan to deserving
and capable students for further studies.Therefore, I would like to put my

case before you for the grant of an educational loan so that I can pursue my
further studies. I would also like to inform you that I have completed my
graduation from Delhi University this year and secured second position in the
list of successful candidates. I intend to complete M.Com but my
circumstances do not permit me to continue my studies further.

Therefore, I request you to kindly sanction me a loan for further studies and
let me know the terms and conditions under which such a loan is granted. I
assure you that I shall abide by all the terms and conditions. I hope for a
positive reply from your end.

Thanking you

ABC

Format (for Letter to the Regional Manager)

Your address]
[Your city, state, pin code]

[Todays date]

[The Regional Manager]


[Name of the bank]
[City, state, pin code]

SUBJECT: describe the problem in one line

(Subject is suppose to be written in capital letters and underline the subject)

Dear (Sir/ Madam):

Introduction: Request the manager to grant you the loan for further studies

Body: Provide a reason as to why the manager should provide you with an
education loan. Provide all the important details about your studies.

Concluding remark: Request the manager to sanction the loan and you will
abide by all the terms an conditions.

Sincerely,

[Your signature]

[Your name]

Points to Remember:

It is very important to follow the format while writing a formal letter. You
neither write less, nor exceed the word limit. You have to be very precise
while writing a formal letter.
You must ensure that your content does not seem repetitive. Repetition of
words/sentences or content as a whole invites cutting of marks. Try and use
synonyms in case you see that a word is getting repeated a number of times
in the letter.
Your letter should be written in a particular flow. The subject should highlight
the main purpose of letter. The introduction of your letter should effortlessly
lead to the body, which should lead to the concluding paragraph.
[04:34, 6/10/2016] +91 99521 23360: Today we will be covering a sample

letter on the following question: a newspaper has published an article that


defames somebody you know. Write a letter to the editor of that newspaper
explaining what details were wrong in the article. Your letter should also
suggest what the editor should do about the article.

Sample_Letter1
Sample Letter:

567 Arjun Apartments

Rajat Vihar

Noida, Uttar Pradesh- 201301

7th July 2015

The Editor

Times of India

Dear sir/ madam

SUBJECT: DISPLAY OF FALSE INFORMATION.

On 6th July 2015 your newspaper published an article about Neil Shergil who
is a very famous social activist. The published article portrayed Neil as
corrupt and greedy. I want to bring it to your notice that this information is
not true.

I have known Neil since our school days, and I can tell you that he is a honest
and a kind hearted person who deeply cares for the needy and poor. Since
our school days he was always involved in social work and this was the
reason why he decided to work for a NGO after his MBA. If money would have
been his priority, he could have easily opted for a good job in an MNC but
instead he chose to live and work for the underprivileged in the society.

I am sure his growing popularity as a social activist hasnt gone down well. A
respected newspaper like yours should have checked twice before buying
these rumors.

I am requesting you to republish this article with all the inaccuracies


corrected and write a public apology to Mr Neil for defaming him this way.

Expecting prompt action,

ABCD

Format (for Letter to the Editor)

Your address]
[Your city, state, pin code]

[Todays date]

[The Editor]
[Name of the newspaper]
[City, state, pin code]

SUBJECT: describe the problem in one line

(Subject is suppose to be written in capital letters and underline the subject)

Dear (Sir/ Madam):

This letter is to [notify you {or} follow up on our conversation of {date}]


about a problem [name of product or service performed] that I [bought,
leased, rented or had repaired] at your [name of location] location on [date].

I am dissatisfied with the [service or product] because [describe problem]. I


have already attempted to resolve this problem by [describe attempts and
actions taken].

[Concluding remark]

Sincerely,

[Your signature]

[Your name]

Points to Remember:

It is very important to follow the format while writing a formal letter. You
neither write less, nor exceed the word limit. You have to be very precise
while writing a formal letter.

You must ensure that your content does not seem repetitive. Repetition of
words/sentences or content as a whole invites cutting of marks. Try and use
synonyms in case you see that a word is getting repeated a number of times
in the letter.
Your letter should be written in a particular flow. The subject should highlight
the main purpose of letter. The introduction of your letter should effortlessly
lead to the body, which should lead to the concluding paragraph.
[04:35, 6/10/2016] +91 99521 23360: Today we will be covering a sample
letter on Being a customer of a so and so bank, you have to write a
complaint letter to the Bank Manager about the negligence / irresponsibility
of the employees, based on the format that you need to follow while writing
the letter for your SBI PO mains exam 2015.

Sample Letter:

ABC

567 Arjun Apartments

Rajat Vihar

Noida, Uttar Pradesh- 201301

Date 30/06/2015

To

The Branch Manager

State Bank of India

New Delhi

Dear Sir/Madam,

SUBJECT: COMPLAINT ABOUT NEGLIGENCE OF EMPLOYEES.

I am writing this letter to complain of the poor service I received from your
employees on June 28, 2015 when I visited the Delhi branch.

I am dissatisfied with the service provided by your employees to such an old


customer because your employees are not able to convey the accurate
information and further are unable to correct the mistakes done by them in
my bank account details. I have already attempted to resolve this problem by
visiting the bank personally and discussing it with your employees. I have
enclosed the copies of all my bank account details.

I would like to have this problem fixed as soon as possible. You can contact
me on 1234 5678 during working hours or after hours on 123 456 789 to
discuss this matter further.

Yours sincerely,

ABC

Enclosed: Copy of the all the bank account details.

FORMAT FOR A COMPLAINT LETTER

Your address]
[Your city, state, pin code]

[Todays date]

[Name of contact person (if available)]


[Title (if available)]
[Company name]
[Street address]
[City, state, pin code]

SUBJECT: describe the problem in one line

(Subject is suppose to be written in capital letters and underline the subject)

Dear (Sir/ Madam):

This letter is to [notify you {or} follow up on our conversation of {date}]


about a problem I am having with the [name of product or service performed]
that I [bought, leased, rented or had repaired] at your [name of location]
location on [date].

I am dissatisfied with your [service or product] because [describe problem]. I


have already attempted to resolve this problem by [describe attempts and
actions taken]. I have enclosed copies of my records. [Include copies of
receipts, canceled checks, contracts, and other relevant documents]

Unfortunately, the problem remains unresolved. I am hereby requesting that


you: [List specific actions you want (such as: refund, exchange or repair the
item)]

1)

2)

3)

Please contact me at [telephone number and/or e-mail address] if you have


any questions.

Sincerely,

[Your signature]

[Your name]

Enclosure(s): [List attached document copies]

Things to Remember:

It is very important to follow the format while writing a formal letter. You
neither write less, nor exceed the word limit. You have to be very precise
while writing a formal letter.
You must ensure that your content does not seem repetitive. Repetition of
words/sentences or content as a whole invites cutting of marks. Try and use
synonyms in case you see that a word is getting repeated a number of times
in the letter.
Your letter should be written in a particular flow. The subject should highlight
the main purpose of letter. The introduction of your letter should effortlessly
lead to the body, which should lead to the concluding paragraph.
[04:42, 6/10/2016] +91 99521 23360: Other important letters which we have
not covered and we feel are important for SBI PO Main 2015 Exam.

You are withdrawing money from ATM but the ATM turn out to be
malfunctioned. So, money didnt come out but deducted from account. Write
a letter to bank manger for refund.
A letter to bank for applying educational loan providing all particulars.
A letter to friend for encouraging and wishing him for civil service
examination which he is writing for the third time.
A letter to editor for publishing some articles on stress management since
these are exam season.
Letter to Branch manager to add your daughters name as a second nominee
for your savings account.
Letter to your friend to avoid junk food and inform her/him about its bad
consequences.
Write a letter to your friend explaining him your retirement plan.
Write a letter to a client of your bank who got a car loan from you 2 years ago
and has sold it now without paying the load.
Write an application to branch manager as you have lost your receipt of term
deposit which matures in next week asking him what steps needs to be taken
next.
Write a letter to a friend who has got scholarship to study in abroad but is
not willing to go as he is a single child of his parents.
Write a letter to the Airlines Authority that you have left your cabin bag

yesterday in the flight.


You completed B.com (Banking & Insurance). Write an unsolicited letter to
bank manager for the job.
Letter to the Editor about Air Pollution and giving some suggestions.
Write a letter to a letter to client as Manager to help him close his savings
account.
Write a letter to the newspaper regarding loan easiness.
Write a letter to the bank manger reporting him about missing of debit card.
Write a letter to the higher authority of your bank to give promotion on the
basis of your efficiency and loyalty as you have given 24 years of service to
the bank
Preparation Tips & Important Instructions

Following are some key instructions & tips to help you prepare well for the
Descriptive Section of your SBI PO main exam:

1. Duration of the Descriptive Exam will be of 1 hour, and it would carry 50


marks in total.
[04:42, 6/10/2016] +91 99521 23360: Here are few other important topics
which we have not covered and we feel are important for SBI PO Main 2015
Exam.

Is election commission right in banning election symbols during casting of


votes?
Roll of uneducated people in Indian Economy.
Is presidential form of government is suitable for India?
Benefits of Mutual fund investments.
Suggestions to alleviate unemployment problem.
Role of newspapers in influencing society or youth.
Role of effective credit rating.

Economic importance of tourism.


Banking Risk and Management.
[17:49, 6/10/2016] Jeeva Race: Insurance cancellation letter

Raghav Mathur

20, Indira Gnadhi Road

Malviya Nagar,

New Delhi 10

June 12, 2016

Phone: 25452153

To:

Branch Manager

United India Insurance Co

No.10, Eminent Tower

Vishal Plaza

New Delhi -04

Dear Sir,

Re: Cancellation of my policy 4856726714576

Sir/Madam,

With this written notice I request the cancellation of my policy


4856726714576 effective
immediately. I would appreciate you sending me written confirmation within
30 days that the
cancellation has been put into effect. Please refund the unused portion of my
payments, and cease charging my bank account for payments.
Thank you for your attention to this matter.

Yours sincerely,

Raghav Mathur
[11:35, 7/18/2016] +91 99447 11986:

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