Sample Practice tests for online CAT 2012

Below are the links to sample online practice test which would be helpful for those preparing for CAT 2012:
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CAT 2009 Notification by IIM A : FAQ on Online CAT Exam

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CAT 2009 Anouncement by IIM Ahmedabad. IIMA has made an offical anouncement giving details about the test pattern and frequently asked questions.
Here is the list of questions which can give some insights into the new online test pattern.

I hear that CAT will be held online. Is that correct?
CAT is going to be a computer based test (CBT) and not internet based test (IBT). I.e. Candidate does not take the test on an internet site. Instead of reading the questions in a paper booklet and darkening the ovals on the answer-sheet, a candidate will read the questions on a computer terminal and choose an answer by clicking on the correct option.

I hear that CAT will be a computer adaptive test. Is that correct?
No, CAT is not going to be a computer adaptive test.

Will the format of the test change?
The format of the test will remain more or less the same except that a candidate reads question on a computer terminal and clicks on the correct answer.

Can I take the test from any computer?
No. A candidate will take the test only at designated test venues in about 25 cities across India. Detailed information will be provided in the CAT 2009 advertisement.

But how do I do rough-work and calculations while arriving at the answers?
At the test venue, each candidate will be seated at a desk with a computer terminal and he/she will be provided with a writing pad with numbered pages for calculations. After the test, candidate must leave the pad including all the pages in it at the desk. Rough-work cannot be done on any other paper/sheet as nothing will be allowed to be taken inside the test hall.

Can you give more details on taking test in a CBT format?
We will be giving more details at a later stage.

But when is the CAT 2009 advertisement going to appear in newspapers?
Advertisement for CAT 2009 will appear during the later part of August 2009.

How much is the test fee for CAT 2009 and how do I pay?
Candidate Testing Fee is Rs. 1,400 (Rs. 700 for SC/ST candidates). A prospective candidate buys a CAT 2009 Voucher from designated locations/bank branches after advertisement appears in newspapers. Sufficient time will be given for purchasing the voucher. More details will be available on our websites after the advertisement appears in newspapers.

How do I register for CAT 2009?
The Voucher bought by the candidate gives instructions on how to register for CAT 2009. At this time, it would suffice to say that candidates are expected visit CAT website to register for CAT 2009. Sufficient amount of time will be given to register online. More details will be given in the advertisement and the voucher.

How do I get my admit card for the test?
After you fill-in, review, and submit the registration information during online registration, you will receive an email containing your Admit Card.

Does that mean I need to have an E-mail account?
Yes, you must have a valid E-mail account throughout the selection process.

What do I need to bring at the time of test?
You must bring the printed copy of the admit card, one picture ID, and any other ID not necessarily with a picture. Do not bring any other material and personal belongings with you, for no personal belongings and materials will be allowed in test-hall. More details will be provided later.

Can you please tell me when will the CAT 2009 be conducted?
CAT 2009 will be conducted during a ten-day window starting at the end of November 2009. Exact dates will be mentioned in the advertisement.

Can I take CAT more than once during the testing window?
No, a candidate can register to take test only once during the CAT 2009 testing window. Admit cards and picture ids of the candidates will be checked, and candidate pictures and biometric information will also be captured at the test venue.

When are CAT 2009 result expected to be declared?
CAT 2009 results are expected to be declared by the end of January 2010. Exact date of result declaration will be informed at a later stage.

When will we get more updates?
Any important developments may be posted on IIM sites and CAT website about a month later.

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CAT 2011 Sample online Practice Exams : Downloads

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Online CAT 2009

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Folks though more about the online Pattern of CAT 2009 be clear once the Admission notification is out, still there are certain things about the online exams which one should be aware of.

1. Need not to say, make yourself familiar with computer basics, if you are not.

2. Online exam may not contain too complex questions which requires lots of calculations (for DI/Quantz)The main focus of the online exam would be your problem solving speed & time management.

3. Improve your reading speed, calculation speed & problem solving speed

4. Improve your time management skills.While solving a set of questions at home, make a habiit of setting a time limit. Try to score as much as possible in the stipulated amount of time.Practice alot.

5. Verbal section is expected to get tougher as it doesn't requires anycalculations. So try to work on it, read a lot.

6. Type of Questions which require less calculations can be expected Eg Data sufficiency etc.

GMAT has an exam pattern where complexity of the next question depends on your ability to answer the last questions. So if you are able to answer the last question correctly, the next question would be tougher (and carry more marks too!!!).

Will try to post a sample screen image for online exams next week, so that you can get a picture how the online CAT 2009 exam will look. This would be just for reference to understand the online exams.
Will post some sample online exams too, which you can practice at your home.

Below is the link to Sample online exam:
Sample Online Exam: For CAT 2009

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Recommended Novels, Newspapers and Magazines for MBA Students

Reading right books gives you confidence and improves your intellect. It also helps in developing matured thoughts and in decision making which would be useful in next rounds involving GD/PI, essay writing etc:
Were you looking for Best Books for Qauntitative Aptitude, DI, Verbal (MBA Preparation)? If Yes, then Click here

This page gets updated quite frequently. Visit us again to stay updated.

•The Alchemist by Paulo Coehlo - Download The Alchemist

•War & Peace by Leo Tolstoy - Download War & Peace

•Love in the time of Cholera - Download Love in the time of Cholera



• Rich Dad, Poor Dad:What the Rich Teach Their Kids About Money--That the Poor and Middle Class Do Not! -- Robert T. Kiyosaki, Sharon L. Lechter; (Paperback)  Download Rich Dad, Poor Dad

• McDonald's : Behind The Arches By John F. Love; (Paperback)

• Nuts! Southwest Airlines' Crazy Recipe for Business and Personal Success By Kevin Freiberg, Jackie Freiberg; (Paperback)

• Seven Habits Of Highly Effective People By Stephen R. Covey; (Paperback)
Download Seven Habits Of Highly Effective People

• How to Read a Balance Sheet: An Ilo Programmed Book By International Labour Office

• Odyssey: Pepsi to Apple... a Journey of Adventure, Ideas and the Future By John Sculley, John A. Byrne

• Who Moved My Cheese? By Spencer Johnson, M.D. Download Who Moved my Cheese?

This page gets updated quite frequently. Visit us again to stay updated.

Check the List of best Books for Quantitative Aptitude, DI, Verbal (MBA Preparation)

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Shared Materials for MBA Preparation

Below are the new materials shared for MBA aspirants:

Download More Shared Materials

123 Tough & important Questions in Quantitative Aptitude. Improve your qunat aptitude. Ebooks for Quantitative Aptitude for CAT
Quantz Notes-Coumpound Interest and Mean Median. Free Materials for MBA preparation.Ebooks for Quantitative Aptitude for MBA>

Passwords to open shared materials

Below are the passwords to open the shared materials for MBA preparation:

  • Quantz Notes-Coumpound Interest and Mean Median----------Password:mbaprep1
  • Wordlist to Improve your Vocab:GRE wordlist------------------Password:grewl
  • Quantitative Aptitude Notes: Permutation & Combination --Password:tips4cat
  • 123ToughQuestions_in_Quant ----------------------------------Password:tuffq
  • Free-Online-Practice-Tests.rar---------------------------------Password:howtoprepare4cat

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How to get education loan for MBA and other courses?

Cost of higher education such as MBA may not be affordable for everyone. In such situation people tend to think about the Education Loans.

Just to bring clarity on this topic I am posting the detailed procedure for availing an education loan.

Pre-requisites for education loans: Documents Required
· You need to have a valid admission letter from an institution. This means you should have already been selected in the institution.
· Also get the complete expense details of the course you are pursuing. Before approaching bank find out the total cost of education including tuition fee, hostel fee, books cost etc.
· Mark sheet of last qualifying exam.
· Two of your photographs.
· You should also have sufficient money to pay a part of the total education cost. (around 20% of total education you need to bear, rest all would be paid by bank)

Note: The documents for availing the education loan may vary from bank to bank and the list of the required document can be seen in the education loan application form,

Eligibility to get education loan
All graduation, post-graduation and professional courses are eligible for an education loan. Also the courses that offer a degree or diploma can avail education loans.
These courses could be from foreign universities or institutes approved by the state and central government.

Various Education expenses covered under education loan.
Education loan doesn’t cover only the Tuition fee but various other expenses too which are incurred in the course of your education. Some of such expenses are:
· Tuition Fee
· Hostel Fee
· Cost of books needed during the course
· Cost of computer/laptop if it is mandatory for the course.
· Cost of flying, if the course is in abroad.etc

In general
Education Loan Amount=Tuition Fee+ Hostel fee + Books Cost+ Equipment cost+ Flight Charges + etc

Security for your loan
This depends on your Loan amount, if your loan amount is less than Rs.4,00,000/- you don’t need to provide a security.
If the loan amount is more then you need to provide security for availing the education loan.
Security means surrendering some form of assets or investment to the bank for availing the loan. Some form of investments and assets that are accepted as security deposit by banks are:
· Government securities,
· Shares ,
· Bank deposits,
· National Saving Certificates
· House property
· Land Property
· Shop etc
In case you are not able to pay back the education loan, the bank will have rights to sell these assets so as to recover the loan amount from you.

Guarantor for your loan
In cases when loan amount is not too big , but still higher than 4,00,000/- then the bank may ask for a third party to act as a guarantor for your loan instead of asking for security deposit.
In case you are not able to pay the loan, the guarantor of your loan will be legally bound to pay the loan.

Repayment of Loan
Until you are pursuing the course for which you have availed the education loan you don’t need to worry about its repayment. The repayment of your loan may start at :
· -some banks ask for repayment to start after 6 months of completion of course
· -while some other banks ask for repayment to start after a year of completion of course
· -there is also option to start the repayment once you have secured a job. (but this doesn't mean that you can delay repayment of loan infinitely, after a certain period of time you are obliged to start the repayment of your loan irrespective of the fact whether you have secured a job or not)

Repayment Installments
In most of the cases 10 years would be maximum tenure in which you need to pay back the loan after completion of the course.
Perhaps the number of years for repayment of loan also depends on the amount of loan.
If your loan amount is say around Rs.4,00,000/- then probably you may get 5-7 years only for repayment of the loan.
If the loan amount is larger then you may get 10 years for repayment of the loan.

 Frequently Asked Questions - FAQs

What are the current rate of interest?
For most of the banks like PNB/SBI rate of interest for education loan varies between: 12.75 to 14.5% depending on various education loan schemes and also on the bank.
Current Rates of Interest for education Loan by PNB - Updated on 31st December 2014
 Amount of LoanRepayable in less than 3 yrsRepayable in 3 yrs & above
Loans upto Rs 4 lacBR+3.00%
Loans over Rs 4 lac & upto Rs 7.50 lac BR+4%
Loans over Rs 7.50 lacBR+2.00%*
*Subject to availability of 100% tangible collateral security

 (B) PNB Pratibha#
 Amount of LoanRepayable in less than 3 yrsRepayable in 3 yrs & above
Loans up to Rs 20 lac                         BR + 1.00% (11.25%)
# For admission into premier Educational Institutions of the country. For details contact nearby branch.

Is there any rebate for girl candidate?
Education Loan from most of the banks are cheaper for girls, for female candidates education loan is given at special interest rate which is slightly lower.
Currently SBI/PNB are giving 0.50% concession in interest for girl students

I need an education loan of 3.5 Lacs but do not have anything to show as Security. What should I do?
For loans upto 4 lacs security is no required you just need to furnish co-obligation of parents (as per SBI/PNB). Below is the detailed break up of various limits:
Upto 4 lacs:
- Co-obligation of parents
- No security
Above Rs. 4 lacs and upto Rs.7.50 lacs
-Co-obligation of parents together with collateral security in the form of suitable third party guarantee.
-The sanctioning authority can replace Third Part Guarantee with Parent/ Guardian as co-borrower provided the Gross Annual income of Parent/ Guardian (co-borrower) as verified by the latest Income Tax Return is 3 times the loan amount.
Above Rs.7.50 lacs
-Co-obligation of parents together with tangible collateral security of suitable value, along with the assignment of future income of the student for payment of instalments. The security can be in the form of land/ building/ Govt.Securities/ Public Sector Bonds/ Units of UTI, NSC, KVP, LIC policy, gold, shares/ debentures, bank deposit in the name of student/ parent/ guardian or any other third party.
-The documents should be executed by both the student and the parent/guardian as joint-borrower. We clarify that if the student is a minor, the documents will be signed by the guardian acting `for self’ as well as `for and on behalf of the minor’.

Can my in-laws be my co-obligatrs foor education loans?
The co-obligator should be parent(s)/guardian of the student borrower. In case of married person, co-obligator can be spouse or the parent(s)/parents-in-law.

What should be shown as security for education loan?
It may be in the form of Property or fixed deposits. The value of the security whatever form it is, should be of substantial when compared with the the Loan amount.
This will again also vary from bank to bank.

Complete list of Documents required for education loan?
Completed Education Loan Application Form.
Mark sheets of last qualifying examination
Proof of admission scholarship, studentship etc
Schedule of expenses for the specified course
2 passport size photographs
PAN Card of the student and the Parent/ Guardian
Borrower's Bank account statement for the last six months
Income tax Returns/ IT assessment order, of last 2 yrs (If IT Payee)
Brief statement of assets and liabilities, of the Co-borrower
Proof of Income (i.e. Salary slips/ Form 16 etc. if applicable)

What is the maximum amount that can be availed under educational loans? / How is the maximum loan amount calculated? 
The maximum loan amount varies from bank to bank, but, most importantly, it depends on the course for which the loan is sought and the institution chosen. For example, the loan amount for an M.B.A. course would be different for different institutes--the fees at I.I.M.'s would be approximately Rs 2 Lac, whereas at Somaiya it would be Rs 80,000. Hence the loan amount will vary drastically. But many banks have a margin criterion, which means that they would provide up to 75 per cent or 90 per cent of the total cost of the course, while the balance has to be paid by the applicant. The loan amount can also depend on the borrower's parents/guardians net monthly salary. The loan amount could also be calculated as being six or 10 times the monthly salary of the parent. Ultimately, however, the loan amount would depend on the discretion of the bank. 

Is there any penalty in case of prepayment of loan?
No prepayment penalty is levied for prepayment of loan.

When does the repayment of loan commence?
Repayment will commence after Course period + 1 year OR 6 months after getting job, whichever is earlier.

In whose name the loan would be granted?
Loan would be granted in Student’s name

What is the maximum amount I can avail?
For studies in India: Rs. 10 lacs
If the amount exceeds Rs. 7.5 lacs, then security shall be required
For Abroad: 20 lacs

What are the eligibility criteria for Education Loan?
-Should be an Indian National
-Should have secured admission to a higher education course in recognized institutions  in India or Abroad through Entrance Test/ Merit Based Selection process after completion of HSC(10 plus 2 or equivalent). OR Where the admission is purely based on marks scored in qualifying examinations, there is a cut off percentage of marks of 50% for SC/ST and 60% for General category.

Would my entire fee be funded by the bank?
Upto Rs 4 lacs- Entire fee shall be funded by the bank
Above 4 lacs certain margin(5-10%) shall be required to be brought in by the student/guardian

What is the moratorium period ? 
Moratorium Period is a holiday on repayment which would be for the course period + 1 year or 6 months after the student gets a job/start earning whichever is earlier. Some banks will also allow you a moratorium on payment of interest. This means that you can defer payments of even the interest...

What is the minimum age for getting Education Loan? 
There is no specific restriction with regard to the age of the student to be eligible for education loan.

What are the courses covered for Education loan? 
Education loanis available for all Approved courses leading to Graduate/ Post Graduate degree and PG Diplomas conducted by recognized colleges/ universities recognized by UGC/ Govt. / AICTE/ AIBMS/ ICMR etc.
Loan is also available for part time courses and job oriented courses subject to employability and earning potential.
Education loans for study abroad is also available for job oriented professional/technical courses offered by reputed universities.

What are the expenses considered for Education Loan? 
A. Finance is provided to meet all type of expenses which are necessary for completion of course and also include purchase of books, equipments, computer, travelling, study tours, boarding, lodging besides all types of fees.

How much loan amount one is eligible under Education loan? 
Studies in India    -   Max. Rs.10 lac
Studies abroad    -    Max. Rs.20 lac

Are there any processing charges one has to pay for availing Education loan? 
For studies in India, there is NIL processing fee, however, documentation charges of Rs.270/- for loans up to Rs. 4 lac and Rs.450/- above Rs.4.00 lac - exclusive of service tax and education cess are charged.
For Studies abroad: Upfront fee @ 1% with a minimum of Rs.10,000/- which is refundable on availment of the loan.

Whether, Student can get second loan after completion of first course for other course? 
Second loan (Top up loans) to students for pursuing further studies can be considered at the level of Circle Head, on merits, within the overall eligibility limit taking into account genuineness, accessibility, future repaying capacity of the student borrower, recovery of loan and subject to taking required security provided further studies are commenced during the moratorium period of the first loan.

Whether reimbursement of fees is permitted in Education Loan scheme? 
Yes, reimbursement of fees paid by the student/ guardian at the time of admission or subsequent stages is permissible within six months from the date of payment of fees on individual merits of the case.

What if Student do not have PAN, can one get an education loan without having a PAN card?
If PAN is not available at the time of sanction, the same can be submitted within one year of disbursement of loan

Whether Loan account can be transferred from one branch/ place to other branch/ place? 
Yes, to facilitate hassle free deposit of repayment dues, and to have proper monitoring.

Is Insurance cover for education loans students mandatory? Also is there any compulsion of getting cover from a particular company?

No, it is optional and is on voluntary basis. Student can get himself/ herself insured from the company of choice and assign the policy in the Bank’s name. However, Banks have made arrangement with insurance providers to provide the insurance at competitive rate and easy terms and conditions.


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