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Time and Money Primary Questions for CTET PAPER I

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Why this topic matters · 7 min read
Time and Money is a regular feature in CTET Paper I Maths section, usually contributing 2-4 questions per paper. Questions test reading clocks, calculating elapsed time, converting units of time, adding/subtracting money amounts, making change, and word problems involving daily life situations. The pedagogy angle is also tested — how to teach these concepts to Class 1-5 students using real-life materials like calendars, clocks, coins, and currency notes.

Reading and Writing Time

A clock has 12 hours on its face. The short hand shows hours, the long hand shows minutes. One full rotation of the minute hand = 60 minutes = 1 hour. CTET asks both analogue clock reading and conversion between 12-hour and 24-hour formats. Remember: PM times in 24-hour format = add 12 (e.g., 3:00 PM = 15:00). Midnight is 00:00 and noon is 12:00.

  • Short hand = hours, Long hand = minutes, Thinnest hand = seconds
  • 1 hour = 60 minutes, 1 minute = 60 seconds, 1 day = 24 hours
  • 12-hour clock uses AM (midnight to noon) and PM (noon to midnight)
  • 24-hour clock: 1 AM to 12 PM stays same; 1 PM onwards add 12
  • Quarter past = 15 min, Half past = 30 min, Quarter to = 45 min elapsed
Key formulas
12 to 24 hour (PM)
24-hour time = PM hour + 12 (for 1 PM to 11 PM)
When: Converting afternoon/evening times for timetable problems
Elapsed Time
End Time minus Start Time = Duration (borrow 60 mins if needed)
When: Word problems: train departure/arrival, activity duration
Worked examples

A train departs at 9:45 AM and arrives at 1:20 PM. Duration = 1:20 PM minus 9:45 AM. Convert to 24hr: 13:20 minus 09:45. Borrow: 13:20 = 12:80 minus 09:45 = 3 hours 35 minutes.

7:30 PM in 24-hour format = 7 + 12 = 19:30. Easy check: any PM time, add 12 to the hour.

Calendar and Larger Time Units

CTET often places a small question on calendar calculations — days in months, leap years, and finding what day a date falls on after a given number of days. The classic rhyme trick for days in months is exam gold. Leap year rule: divisible by 4, except century years must be divisible by 400.

  • 1 week = 7 days, 1 fortnight = 14 days, 1 year = 12 months = 365 days
  • Leap year = 366 days (February has 29 days)
  • Months with 31 days: Jan, Mar, May, Jul, Aug, Oct, Dec (7 months)
  • Months with 30 days: Apr, Jun, Sep, Nov (4 months)
  • February has 28 days (29 in leap year)
  • Century year leap year check: 2000 is leap, 1900 is NOT leap
Key formulas
Leap Year Rule
Divisible by 4 AND (not a century year OR divisible by 400)
When: Identifying leap years in calendar problems

Indian Money System

India uses Rupees and Paise. 100 Paise = 1 Rupee. CTET Paper I questions focus on Class 1-5 level: reading price tags, adding costs, finding change after purchase, and comparing amounts. Word problems usually involve a child buying items at a shop. The pedagogy angle asks how to introduce money using real coins and notes in the classroom.

  • 100 Paise = 1 Rupee (symbol: Rs. or the Rupee sign)
  • Coins: 50 paise, 1 Re, 2 Rs, 5 Rs, 10 Rs
  • Notes: 10, 20, 50, 100, 200, 500 (know this for context)
  • Change = Amount paid minus Cost of item
  • When adding mixed amounts: convert everything to paise OR keep rupees and paise columns separate
  • Teaching tip tested in CTET: use real coins, play-money activities, market role-play
Key formulas
Paise to Rupees
Paise divided by 100 = Rupees (e.g., 350 paise = Rs. 3.50)
When: Converting paise amount to rupee format in word problems
Change Calculation
Change = Amount Given minus Total Cost
When: Shopping word problems — what does the shopkeeper return?
Worked examples

Riya buys a pencil for Rs. 3.50 and an eraser for Rs. 1.75. Total = Rs. 3.50 + Rs. 1.75 = Rs. 5.25. She pays Rs. 10. Change = Rs. 10.00 minus Rs. 5.25 = Rs. 4.75.

Convert 425 paise to rupees: 425 divided by 100 = Rs. 4.25. Quick trick: shift decimal 2 places left.

Pedagogy of Time and Money

CTET Paper I always has 1-2 questions on HOW to teach these topics, not just solve them. The NCF and NCERT approach stresses concrete-to-abstract learning. For time: start with daily routines (wake up, lunch, school), then analogue clocks, then digital. For money: use real or play coins before abstract addition. Constructivist approach — let children discover through role-play markets.

  • Concrete stage: handle real coins, analogue clock models
  • Semi-concrete: pictures of clocks, drawn coins
  • Abstract: written numbers, equations
  • Role-play shop or market is best activity for money (CTET loves this)
  • Common error children make: confusing hour and minute hands — teach by size difference
  • Link time to real routine: school bell, TV show timing to make it meaningful
⚠ Common mistakes to avoid
  • Confusing AM/PM conversion: 12:00 AM is midnight (not noon) and 12:00 PM is noon — many aspirants reverse these.
  • Elapsed time subtraction: forgetting to borrow 60 minutes when minutes of end time are smaller than start time minutes.
  • Treating 1900 as a leap year because it is divisible by 4 — century years need divisibility by 400.
  • Adding money by ignoring the decimal alignment: Rs. 3.5 + Rs. 1.75 written carelessly as 3.5 + 1.75 = 4.125 (wrong column addition).
  • In pedagogy questions, choosing textbook-first approach instead of activity/real-object-first approach — CTET always favors constructivist, activity-based methods.
🧠 Memory aids
  • Knuckle trick for months: make fists, knuckles are 31-day months (Jan, Mar...), valleys are short months. Count across both hands skipping July-August knuckle bump.
  • MAIDS for 30-day months: May (no) — April, June, September, November — AJSN = A June Swim in November (30 days each).
  • PM Plus 12: for any PM time in 24-hour format, just add 12 to the hour. 6 PM = 6+12 = 18:00. Dead simple.
  • Change = Give minus Get: the shopkeeper Gives back what you Get as change. Amount Given minus Cost = Change.
🎯 CTET PAPER I exam tips
  • CTET Paper I typically places 1 direct time calculation question (elapsed time or clock reading) and 1 money word problem — both at Class 3-5 difficulty, so keep your arithmetic clean and fast.
  • Pedagogy of time and money is tested through scenario questions like: A teacher uses play-money in class. Which approach does this reflect? Answer is always constructivist or activity-based learning.
  • Calendar questions often ask about leap years or number of days between two dates — practice the knuckle trick and the century-year exception to answer in under 30 seconds.
  • Watch for trap options in money problems where one distractor adds paise and rupees without converting (e.g., 3 Rs 50 paise + 1 Rs 75 paise shown as Rs. 4.125 as a wrong option).
  • Recent CTET papers have asked about common errors children make while learning these topics — know that children often read the minute hand as hours; this is a frequent MCQ setup.

Sample questions

Q1 · hard · AI-verified
Mohan deposited ₹4,500 in a bank at 8% per annum simple interest. After 3 years, what total amount will he receive?
  1. ₹5,580
  2. ₹6,012
  3. ₹5,400
  4. ₹5,760
Q2 · medium · AI-verified
A bus departs at 11:50 AM and the journey takes 3 hours 40 minutes. At what time does the bus arrive?
  1. 3:10 PM
  2. 2:30 PM
  3. 3:50 PM
  4. 3:30 PM
Q3 · hard · AI-verified
A shopkeeper buys an article for ₹360 and sells it for ₹414. What is the profit percentage?
  1. 18%
  2. 15%
  3. 10%
  4. 12%
Q4 · medium · AI-verified
A library opens at 9:20 AM and closes at 5:05 PM. How long is the library open each day?
  1. 7 hours 25 minutes
  2. 7 hours 45 minutes
  3. 8 hours 15 minutes
  4. 8 hours 45 minutes
Q5 · medium · AI-verified
Ravi saves ₹35 every week. How much money will he save in 12 weeks?
  1. ₹360
  2. ₹420
  3. ₹450
  4. ₹400
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