By the end of this chapter you'll be able to…

  • 1Convert between km/h and m/s correctly before calculating
  • 2Apply relative speed (addition for opposite directions, subtraction for same direction) to crossing and overtaking problems
  • 3Recover a boat's own speed and a stream's speed from downstream/upstream speeds
  • 4Compute the correct average speed (harmonic mean) for equal distances covered at different speeds
  • 5Compute combined work rates, including efficiency-ratio and pipe-filling/emptying variants
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Why this chapter matters in IBPS Clerk
Every variant here — crossing trains, boats, combined work, pipes — is the same distance-equals-rate-times-time relationship applied to a different setup. Recognising which specific variant a question describes is the main skill; the underlying formula rarely changes.

Before you start — revise these

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Simplification & Approximation
Fast fraction and ratio arithmetic is assumed fluent for the rate-based calculations throughout this chapter.
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Arithmetic Word Problems
The reverse-percentage and ratio reasoning used there extends directly to recovering boat/stream speed and efficiency-ratio work problems.

Time, Speed, Distance & Work — IBPS Clerk / SBI Clerk

Time-Speed-Distance and Time-Work are taught together because they share one underlying structure: a quantity (distance, or work) equals a rate (speed, or work-rate) multiplied by time — every variant in this chapter, from trains crossing to pipes filling a tank, is this same relationship applied to a different physical setup.

1. The basic relationship and unit conversion

Distance equals speed multiplied by time, and the single most common error is mixing units — km/h speed with a time in minutes, or vice versa — so converting to consistent units before calculating is the first, non-optional step.

A car covering 240 km in 4 hours travels at km/h.

2. Relative speed: opposite directions (crossing)

When two objects move toward each other, their speeds ADD to give the relative speed at which the gap between them closes — this applies directly to two trains crossing each other, moving in opposite directions. The time to cross equals the sum of both lengths divided by this combined relative speed.

3. Relative speed: same direction (overtaking)

When two objects move in the SAME direction, their speeds SUBTRACT to give the relative speed at which the faster one gains on the slower one — this applies to one train overtaking another moving the same way. The overtaking calculation uses the identical structure as crossing, just with subtraction instead of addition.

4. Boats and streams

A boat's downstream speed is its own speed PLUS the stream's speed (current helps); its upstream speed is its own speed MINUS the stream's speed (current hinders) — given both downstream and upstream speeds, the boat's own speed and the stream's speed are each recovered as the average and half-difference respectively.

5. Average speed for equal distances

When equal distances are covered at two different speeds, the average speed is NOT the simple average of the two speeds — it is the harmonic mean, always closer to the SLOWER speed than a simple average would suggest.

Travelling equal distances at 40 km/h and 60 km/h averages km/h — noticeably less than the simple average of 50, since more TIME is spent at the slower speed for the same distance.

6. Combined work rate

When two people work at different but constant individual rates, their combined rate is the SUM of their individual rates (expressed as "fraction of the job per unit time"), and the time taken together is the reciprocal of that combined rate — never the sum or average of their individual times.

7. Work sharing by efficiency ratio

When one worker is stated to be a specific multiple as efficient as another, their work RATES follow that same ratio, and the combined-rate equation can be solved directly for each individual's own time. If A is twice as efficient as B, A's rate is and B's rate is for some constant ; their combined rate is , which is set equal to the given combined rate to solve for , and then each individual's time.

8. Pipes filling and emptying together

A pipe that EMPTIES a tank contributes a NEGATIVE rate to the combined total — the identical combined-rate structure as two workers, just with one rate working against the others. If an inlet pipe fills a tank in 20 hours and an outlet pipe empties it in 30 hours, opening both together gives a combined rate of , a smaller net positive rate than the inlet pipe alone.

Worked Examples

Example 1. Two trains, 150 m and 120 m long, move toward each other on parallel tracks at 54 km/h and 36 km/h. Find the time they take to cross each other.

Relative speed km/h m/s. Total length m. Time seconds.

Answer: 10.8 seconds.

Example 2. A train travelling at 72 km/h overtakes another train (100 m long, treated as a point object for this calculation) travelling at 54 km/h in the same direction. If the faster train is also 100 m long, find the time to overtake.

Relative speed km/h m/s. Combined length m. Time seconds.

Answer: 40 seconds.

Example 3. A boat travels downstream at 20 km/h and upstream at 12 km/h. Find the boat's own speed and the stream's speed.

Boat's speed km/h. Stream's speed km/h.

Answer: Boat = 16 km/h, Stream = 4 km/h.

Example 4. A person travels equal distances at 40 km/h and 60 km/h. Find the average speed for the entire journey.

km/h.

Answer: 48 km/h (not the simple average of 50, since the slower speed is used for a longer time on the same distance).

Example 5. A can complete a job in 15 days and B can complete the same job in 10 days. Working together, how many days will they take?

Combined rate per day. Time together days.

Answer: 6 days.

Example 6. A is twice as efficient as B. Working together, they complete a job in 12 days. Find how long each would take working alone.

Let B's rate be ; A's rate is . Combined rate , so . B alone takes days; A alone takes days.

Answer: A = 18 days, B = 36 days.

Example 7. An inlet pipe fills a tank in 20 hours; an outlet pipe empties the same tank in 30 hours. If both are opened together, how long does the tank take to fill?

Combined rate per hour. Time to fill hours.

Answer: 60 hours.

Summary

Distance = speed × time and work = rate × time are the same relationship underlying every variant in this chapter — unit consistency (converting km/h to m/s via ×5/18, or vice versa via ×18/5) is the first, non-negotiable step in any speed problem.

Relative speed ADDS for objects moving toward each other (crossing) and SUBTRACTS for objects moving the same direction (overtaking). Boat speed and stream speed are recovered from downstream/upstream speeds as their average and half-difference respectively.

Average speed for EQUAL distances at two different speeds is the harmonic mean (2v₁v₂/(v₁+v₂)), always closer to the slower speed — never the simple average.

Combined work rate adds individual RATES (never individual times), and an efficiency ratio between two workers translates directly into their rate ratio. A pipe that empties contributes a negative rate to the combined total, using the identical structure as any other combined-rate problem.

Key formulas & results

Everything to memorise for the exam hall, in one card. Screenshot this for revision.

Unit conversion
The first, non-negotiable step before any speed calculation with mixed units.
Relative speed — crossing (opposite directions)
Speeds ADD when objects move toward each other.
Relative speed — overtaking (same direction)
Speeds SUBTRACT when objects move the same direction.
Boat and stream speed
Recovered from the two observed speeds.
Average speed (equal distances)
The harmonic mean — always closer to the slower speed, never the simple average.
Combined work rate
A pipe that empties contributes a NEGATIVE rate to this sum.
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Traps IBPS Clerk sets — and how to dodge them

These are the exact option-traps and misreads that cost marks under negative marking.

WATCH OUT
Mixing km/h speed with a time given in minutes or seconds without converting
Convert everything to consistent units (typically m/s and seconds, or km/h and hours) before calculating.
Why it happens: A unit mismatch produces an answer that is off by a large, confidently-wrong factor even when every formula step is otherwise correct.
WATCH OUT
Adding speeds for objects moving in the SAME direction, or subtracting for opposite directions
Opposite directions ADD speeds (crossing); same direction SUBTRACTS speeds (overtaking) — memorise this pairing explicitly.
Why it happens: The two scenarios use opposite operations on the same two speeds, and swapping them gives a completely wrong relative speed.
WATCH OUT
Averaging two speeds directly for an equal-distance journey
Use the harmonic mean formula 2v1v2/(v1+v2), not the simple average (v1+v2)/2.
Why it happens: More TIME is spent at the slower speed when covering the same distance, which pulls the true average speed below the simple average, toward the slower speed.
WATCH OUT
Adding individual work TIMES instead of individual work RATES
Convert each time to a rate (1/time), add the rates, then invert the sum to get the combined time.
Why it happens: Rates (fraction of the job per unit time) add linearly; the times themselves describe different-sized efforts and cannot be combined by direct addition.
WATCH OUT
Treating an emptying pipe's rate as positive in a combined-rate calculation
Subtract the emptying pipe's rate from the filling pipe's rate, since it works against the fill.
Why it happens: An emptying pipe removes water while a filling pipe adds it — their effects are opposite, which the combined rate must reflect as a subtraction.

Exam-pattern practice

PYQ-style questions with full solutions. Work through them as a readiness check — mark yourself honestly and get your gap report at the end.

Readiness check

Are you exam-ready for Time, Speed, Distance & Work?

8 problems from this chapter. Try each one, reveal the worked solution, mark yourself honestly — get your gap report at the end.

8 questions~6 min

5-minute revision

The whole chapter, distilled. Read this the night before the exam.

  • Convert to consistent units (km/h x 5/18 = m/s) before any calculation involving mixed units.
  • Relative speed ADDS for opposite directions (crossing) and SUBTRACTS for the same direction (overtaking).
  • Boat speed = (downstream+upstream)/2; stream speed = (downstream-upstream)/2.
  • Average speed for equal distances is the harmonic mean 2v1v2/(v1+v2), always closer to the slower speed — never the simple average.
  • Combined work rate adds individual RATES (1/time), never individual times, then inverts the sum for the combined time.
  • An emptying pipe contributes a NEGATIVE rate to a combined-rate calculation.

IBPS Clerk question blueprint

How this topic is asked, tier by tier — so you can prep to the pattern.

Typical weightage: Time, Speed, Distance & Work contributes an estimated 4-5 of the Numerical Ability section's questions

Question styleMarks eachTypical countWhat it tests
Basic speed3~1Direct distance/speed/time calculation
Relative speed — crossing5~1Adding speeds for objects moving toward each other
Relative speed — overtaking5~1Subtracting speeds for objects moving the same direction
Boats and streams5~1Recovering boat and stream speed from downstream/upstream values
Average speed6~1Applying the harmonic-mean formula for equal-distance journeys
Combined work3~1Adding individual work rates for a combined completion time
Work by efficiency ratio6~1Translating an efficiency ratio into individual work rates
Pipes filling and emptying6~1Combining a positive filling rate with a negative emptying rate
Prep strategy
  • Day 1: unit conversion, basic speed, and relative speed (crossing and overtaking).
  • Day 2: boats/streams and average speed for equal distances.
  • Day 3: combined work, efficiency-ratio work problems, and pipes filling/emptying, then mixed timed practice.

Exam-hall strategy

Battle-tested tips from mentors and toppers for this topic under the sectional clock.

  1. Always convert to consistent units as the very first step, before writing any other part of the calculation.
  2. Explicitly identify whether a speed problem is 'toward each other' (add) or 'same direction' (subtract) before computing relative speed.
  3. For average-speed questions on equal distances, default to the harmonic-mean formula rather than the simple average.
  4. For work problems, convert every stated time to a rate immediately, and only convert back to time at the very end.
  5. For efficiency-ratio work problems, set up the rate ratio (e.g. 3x and x) before solving, rather than guessing individual times directly.

Beyond the exam

Where this skill shows up in the job you're competing for — and in life.

Travel time estimation

Relative speed and average-speed reasoning are exactly how real travel-time estimates account for traffic, multiple speed zones, or relative motion between vehicles.

Project and resource scheduling

Combined work-rate reasoning is the standard method for estimating how long a team completes a shared task when members work at different individual speeds.

Where else this topic is tested

Prepare once, score in every exam that asks it.

IBPS PO / SBI PO Quantitative AptitudeHigh — the identical relative-speed and work-rate toolkit, tested within a broader syllabus
SSC CGL Quantitative AptitudeModerate — overlapping topics at a somewhat higher overall difficulty
RRB NTPC MathematicsModerate — shares the same time-speed-distance and time-work toolkit

Questions aspirants ask

Pulled from the Q&A community and mentor sessions.

Roughly 4-5 of the section's 35-40 questions, based on pattern analysis of the exam's topic weightage.

For equal distances, more TIME is spent travelling at the slower speed than at the faster one, which pulls the true average speed down toward the slower speed — the harmonic mean captures this correctly, while a simple average does not.

Crossing involves two objects moving toward each other, so their speeds ADD. Overtaking involves two objects moving the same direction, so their speeds SUBTRACT — using the wrong operation for the given scenario is the most common error in this topic.

A rate (1/time) represents the fraction of the job completed per unit time, and fractions of the same job add directly. The times themselves describe different-sized individual efforts and cannot be combined by simple addition.
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