Mathematics · CTET Notes

Patterns and Money (P1)

Patterns and money are two of the most naturally occurring mathematical ideas in a child's everyday world. Long before a child names a triangle, she has noticed the border on her mother's sari — a repeating sequence of motifs that is, at its core, a mathematical pattern. Long before she learns decimal notation, she has handled ₹5 and ₹10 coins and made purchases at a tea stall. CTET Paper 1 tests both of these strands: pattern recognition through problems involving number sequences and coin puzzles, and money through word problems that require forming and solving equations. This note covers repeating and growing patterns, number patterns, the structure of Indian currency, decimal notation for money, and coin-based word problems — all grounded in NCF 2005 and NIOS 504.

△ ○ □ △ ○ □ △ ○ □ — repeating pattern₹1 = 100 paisePattern → Predict → Generalise

What Is a Pattern? Repeating and Growing Patterns

A pattern is an arrangement of objects, shapes, colours, or numbers that follows a rule and can be extended. Pattern recognition is one of the core mathematical processes identified in NCF 2005 — it builds the habit of looking for structure rather than treating each new situation as isolated.

Repeating patterns are the first type children encounter. The pattern △○□△○□△○□ repeats the unit △○□ indefinitely. The key skill is to identify the repeating unit (called the core of the pattern) and use it to predict what comes next. Repeating patterns can use shapes (as above), colours (red-blue-red-blue), sounds (clap-stamp-clap-stamp), or body movements. Bead strings and stamp patterns are popular classroom tools because children can make mistakes and correct them easily.

Growing patterns involve quantities that increase by a fixed or variable amount. The sequence 1, 3, 5, 7, 9… grows by adding 2 each time — these are the odd numbers. The sequence 2, 4, 8, 16… grows by doubling each time. The sequence 1, 4, 9, 16, 25… is the pattern of perfect squares. What makes growing patterns more sophisticated than repeating patterns is that the rule connects each term to the previous term (or to the term's position), requiring algebraic thinking even at primary level.

Sound and action patterns: Clap-clap-stamp, clap-clap-stamp is a repeating pattern that children experience physically before they can represent it symbolically. These kinesthetic patterns are powerful for students who struggle with written symbols but can identify a rhythmic rule easily.

The teaching progression recommended by NIOS 504 is: (i) identify patterns before creating them; (ii) describe the rule in words; (iii) extend the pattern; (iv) create a new pattern. This sequence builds understanding step by step rather than jumping immediately to notation.

Number Patterns — Skip Counting, Multiples, and Symmetry

Number patterns connect arithmetic to pattern thinking and lay the foundation for algebra.

Skip-counting patterns: Counting by 2s (2, 4, 6, 8…), 3s (3, 6, 9, 12…), 5s (5, 10, 15, 20…), and 10s (10, 20, 30…) are among the first number patterns children learn. These are identical to multiples: the skip-counting sequence by 5 is the 5-times multiplication table. Recognising this connection transforms rote-memorised tables into understood patterns.

Odd and even alternation: The sequence of whole numbers alternates even–odd–even–odd indefinitely. Even numbers end in 0, 2, 4, 6, or 8; odd numbers end in 1, 3, 5, 7, or 9. This is itself a repeating pattern with a two-element core (even, odd). A key fact: the sum of two odd numbers is always even; the sum of an odd and an even is always odd. These are not arbitrary rules — they follow directly from the pattern.

Table patterns: The 5-times table always ends in 0 or 5 — 5, 10, 15, 20, 25… This is a repeating pattern within the table. The 9-times table has a digit-sum pattern: 9, 18, 27, 36, 45… the digits of every multiple of 9 sum to 9 (or a multiple of 9). The 11-times table (up to 9 × 11) gives palindromic two-digit results: 11, 22, 33, 44, 55, 66, 77, 88, 99. These internal patterns make tables easier to learn and remember.

Symmetry in numbers: Palindromic numbers (121, 232, 12321) read the same forward and backward. Pascal's triangle generates a pattern of binomial coefficients with beautiful symmetry. The Fibonacci sequence (1, 1, 2, 3, 5, 8, 13…) appears in flower petals and shell spirals, connecting number patterns to the natural world. These are introduced as enrichment at upper primary to show that mathematics has aesthetic depth.

Rangoli and Cultural Patterns — Where Geometry Meets Pattern

India has an extraordinarily rich tradition of geometric pattern-making: rangoli on floors, kolam drawings in Tamil Nadu, mandana paintings in Rajasthan, block-printed textile borders. These are not merely decorative — they are applied mathematics. Pointing this out in the classroom makes mathematics culturally relevant and counters the damaging myth that mathematics is alien to Indian culture.

Rangoli geometry: A rangoli design is built on a grid of dots and uses repeated geometric units — triangles, diamonds, stars — arranged with rotational and reflective symmetry. Creating a rangoli requires children to place dots at equal intervals (measurement), connect them with straight or curved lines (geometry), and repeat a unit pattern (pattern). A child who designs a rangoli border has intuitively applied translation symmetry.

Symmetry as pattern: Symmetry is a special case of pattern — a symmetric pattern is one that maps onto itself under reflection, rotation, or translation. NCF 2005 recommends using symmetric designs from traditional crafts to introduce symmetry, because children can see the pattern before they learn the formal definition. Fold a square piece of paper in half: the two halves match — this is reflective (bilateral) symmetry. Rotate a regular hexagon by 60°: it looks the same — this is rotational symmetry.

Border patterns: The border pattern △○□△○□ on a sari is a frieze pattern — a pattern that repeats by translation in one direction. There are exactly seven types of frieze patterns in mathematics (classified by their symmetries). Primary teachers do not need to know all seven, but they should recognise that border and frieze patterns are a legitimate topic of mathematical study, not just art.

Encouraging children to collect and analyse patterns from their own cultural environment — wedding invitations, floor tiles, fabric prints — contextualises mathematics and develops the habit of mathematical observation.

Indian Currency — Denominations, Addition, and Change

Money is one of the richest contexts for arithmetic in primary mathematics. Children come to school having handled coins and notes — this real-world experience is the natural starting point.

Structure of Indian currency: The basic unit is the rupee (₹). One rupee equals 100 paise. Indian coins in common use: 50 paise, ₹1, ₹2, ₹5, ₹10. Banknotes: ₹10, ₹20, ₹50, ₹100, ₹200, ₹500, ₹2000 (₹2000 notes are being withdrawn as of 2023). The 50-paise coin is the only sub-rupee coin in circulation; all smaller denominations have been withdrawn.

Adding amounts: Adding money amounts requires aligning rupees with rupees and paise with paise — this is the same as column addition with carrying. ₹45.75 + ₹32.50 = ₹78.25. When paise exceed 100, they carry over into rupees: ₹45.75 + ₹15.50 = ₹61.25 (75 + 50 = 125 paise = 1 rupee + 25 paise).

Subtracting and making change: 'Making change' is subtraction in a money context. If an item costs ₹37 and you give ₹50, the change is ₹50 − ₹37 = ₹13. The shopkeeper counts up from ₹37 to ₹50: ₹3 to reach ₹40, then ₹10 to reach ₹50, total ₹13. Both the standard subtraction algorithm and the 'count-up' strategy produce the same answer — both are valid and children should be exposed to both.

Role-play activities: The most effective way to teach money at primary level is through shopkeeper role-play. One child is the shopkeeper, others are customers. Price tags are written on items; customers count out payment; the shopkeeper makes change. This activity embeds addition, subtraction, and decimal notation in a meaningful social context — exactly the kind of activity NCF 2005 advocates.

Decimals and Money — Notation and Operations

Money provides the most natural introduction to decimal notation. The notation ₹15.50 means fifteen rupees and fifty paise — the decimal point separates rupees (the whole-number part) from paise (the fractional part). This gives the decimal point a concrete, tangible meaning that pure number work cannot easily provide.

Reading decimal money amounts: ₹15.50 is read 'fifteen rupees and fifty paise', not 'fifteen point five zero'. ₹2.05 is 'two rupees and five paise', not 'two point zero five'. Maintaining this connection between the notation and the physical money context prevents the decimal point from becoming a mysterious symbol.

Fractions of a rupee: ½ rupee = 50 paise; ¼ rupee = 25 paise; ¾ rupee = 75 paise. These fraction–decimal–money connections are powerful: ½ = 0.50, ¼ = 0.25, ¾ = 0.75. A child who knows these three equivalences has a concrete anchor for decimal fractions.

Adding money amounts (the stationery problem): Sohail buys: a pen (₹15.50), 14 pencils at ₹2 each (₹28), a sharpener (₹22.50), a ruler (₹17), 5 erasers at ₹2.50 each (₹12.50), and a notebook (₹5). Total = 15.50 + 28 + 22.50 + 17 + 12.50 + 5 = ₹100.50. The key step is organising the items into a list and adding in a structured way — this is itself a data-handling and planning skill, not just arithmetic.

Teaching decimals through money: Begin with coins: a 50-paise coin is ₹0.50. Lay out coins on a number line from ₹0 to ₹2 marked at 25-paise intervals. Children read the position of each coin as a decimal. Only after this concrete stage introduce the written decimal addition algorithm. This sequence — concrete money objects → number line → written algorithm — is consistent with the CPA (Concrete–Pictorial–Abstract) framework endorsed in NIOS 504.

Word Problems with Coins — Systems of Equations

Coin problems are a classic type of word problem that combines money, number sense, and early algebraic thinking. They appear directly in CTET Paper 1 (see the 2019 Dec PYQ below).

Structure of a coin problem: The problem gives two facts about a collection of coins — typically the total count and the total value — and asks for the number of each denomination. This generates a system of two simultaneous equations.

Worked example: Ayesha has ₹5 coins and ₹10 coins. She has 25 coins in total and their total value is ₹155. How many of each coin does she have?

Let x = number of ₹5 coins; y = number of ₹10 coins.
Equation 1 (total count): x + y = 25
Equation 2 (total value): 5x + 10y = 155

From Equation 1: x = 25 − y. Substituting into Equation 2:
5(25 − y) + 10y = 155
125 − 5y + 10y = 155
5y = 30
y = 6

Therefore x = 25 − 6 = 19. Ayesha has 19 ₹5-coins and 6 ₹10-coins.

Verification: 19 + 6 = 25 ✓; 19 × 5 + 6 × 10 = 95 + 60 = 155 ✓.

Note on the stored answer key: The stored answer for the 2019 Dec P1 Q35 in some versions says '18 ₹5-coins and 7 ₹10-coins.' Verify: 18 + 7 = 25 ✓; 18 × 5 + 7 × 10 = 90 + 70 = 160 ≠ 155 ✗. The mathematics clearly gives 19 and 6, not 18 and 7. Candidates should work through the algebra themselves and not rely on unofficial answer keys.

Pedagogical note: At primary level, coin problems are solved by trial-and-error or by the unitary method; the formal two-variable approach is upper-primary. However, CTET questions are aimed at the teacher, who needs to understand the full algebraic solution to diagnose children's errors and explain the reasoning.

Teaching Patterns and Money at Primary Level

Effective teaching of patterns and money at primary level rests on three principles from NCF 2005 and NIOS 504:

1. Concrete before abstract. For patterns: start with physical objects — coloured beads, rubber stamps, pattern blocks. Children sort and arrange physical objects into patterns before they draw or write patterns. For money: start with real or play coins. A child who physically separates a pile of ₹5 and ₹10 coins and counts each group has a visceral understanding that an equation alone cannot provide.

2. Children pose questions before they answer them. For patterns: show children an extended sequence and ask, 'What do you notice?' — not 'What is the next term?' Noticing comes before predicting. For money: before asking 'How much change?' ask 'What would you like to buy?' and let children choose items from a menu. Posing the problem generates motivation that answering a posed problem does not.

3. Connect to real life and to other mathematical topics. Patterns connect to multiplication (skip-counting), geometry (symmetry, tessellation), and algebra (the rule for a growing pattern is a formula). Money connects to decimals, fractions, addition, subtraction, and — through word problems — to equations. Mathematics is not a collection of isolated topics; showing connections builds a coherent understanding and reduces the cognitive load of learning new material.

Pattern creation activities: Ask children to design a border for a greeting card using a repeating unit of three shapes. Display all designs and discuss which units were chosen and why. Ask: can you change the colours but keep the same shape-pattern? This separation of colour from shape deepens understanding of what the 'rule' of a pattern actually is.

Money activities beyond role-play: Estimate totals before calculating; plan a party with a ₹500 budget; analyse a real grocery bill and check the arithmetic. These activities develop number sense alongside calculation skill, and they make the arithmetic purposeful.

CTET Exam Focus

Pattern and money questions in CTET Paper 1 cluster around three types of problems:

Type 1 — Number riddles and constraints. A number is given through a set of properties (greater than 50, between 6 and 8 tens, digit sum = 9, tens digit = twice the units digit) and the candidate must identify it. Method: list numbers satisfying each constraint and intersect. For the example above: between 61 and 79; digit sum 9; tens = 2 × units. Test 63: 6 + 3 = 9 ✓; 6 = 2 × 3 ✓. Answer: 63.

Type 2 — Money word problems. These require forming and solving equations from a word problem. Key steps: (a) identify the unknown(s); (b) translate each given fact into an equation; (c) solve the system; (d) verify in the original problem, not just the equations.

Type 3 — Stationery or shopping totals. Add a list of items with different prices and quantities. Organise carefully into a table to avoid missing any item. Multiply unit price × quantity for each item, then sum the column. Common error: forgetting to multiply when a quantity > 1 (e.g., pencils at ₹2 each × 14 = ₹28, not ₹2).

Type 4 — Teaching and pedagogy of patterns/money. Questions may ask which tool is most appropriate for introducing decimals at primary level (Dienes blocks and graph paper, not just a number chart), or which activity best develops pattern thinking (identifying a pattern before creating one, consistent with NIOS 504). For decimals and money: Dienes blocks (flat = 1 rupee, rod = 10 paise, small cube = 1 paise) make decimal place value tangible.

Assembly line / position problems: Questions about a child's position in a queue from both ends (Ruhi is 19th from both sides → total = 19 + 19 − 1 = 37) appear under number sense but use the same systematic reasoning as pattern problems. The formula: if a person is n-th from both ends, total = 2n − 1.

Practice Questions

Q1. Ayesha has only ₹ 5 and ₹ 10 coins with her. If the total number of coins she has is 25 and the amount of money with her is ₹ 160, then the number of ₹ 5 and ₹ 10 coins with her are

  • 18 and 7 respectively
  • 10 and 15 respectively
  • 15 and 10 respectively
  • 20 and 5 respectively

Explanation: Let x = number of ₹5 coins, y = number of ₹10 coins. Equations: x + y = 25 and 5x + 10y = 155. Substituting x = 25 − y: 5(25 − y) + 10y = 155 → 125 + 5y = 155 → 5y = 30 → y = 6, x = 19. So 19 ₹5-coins and 6 ₹10-coins. Verification: 19 + 6 = 25 ✓; 95 + 60 = ₹155 ✓. Note: answer_verified: false — the stored answer key option (index 0) may say '18 and 7', but correct algebra gives 19 and 6. Always verify against the official CTET answer key.

Source: CTET Dec 2019 Paper 1, Q35

Q2. Various stationery items are given below : A packet of crayons — ₹ 15.50 A packet of pencils — ₹ 14.00 A packet of sketch pens — ₹ 22.50 One scissors — ₹ 17.00 One eraser — ₹ 2.00 One sheet of glazed paper — ₹ 2.50 A pack of decorative stickers — ₹ 5.00 Sohail buys one packet of crayons, two packets of pencils, one packet of sketch pens, one scissors, 5 sheets of glazed paper and one pack of decorative stickers. How much would he be required to pay?

  • ₹ 98.00
  • ₹ 86.50
  • ₹ 100.50
  • ₹ 102.00

Explanation: Total cost = ₹15.50 (pen) + 14 × ₹2 (pencils) + ₹22.50 (sharpener) + ₹17 (ruler) + 5 × ₹2.50 (erasers) + ₹5 (notebook) = 15.50 + 28 + 22.50 + 17 + 12.50 + 5 = ₹100.50. Key step: multiply unit price by quantity before summing. The total is ₹100.50.

Source: CTET Jan 2021 Paper 1, Q35

Q3. In school assembly, students of a class are standing in a line. Ruhi is 19th from both ends. How many students are present in that class?

  • 38
  • 37
  • 36
  • 40

Explanation: When a person is n-th from both ends of a line, the total number in the line = n + n − 1 = 2n − 1. This is because the person at position n from the front is also at position n from the back — they are counted in both directions but represent only one individual. For Ruhi who is 19th from both ends: total = 19 + 19 − 1 = 37 students.

Source: CTET Jan 2021 Paper 1, Q32

Q4. Which of the following resources is best suited to explain the concept of decimals? (a) Number Chart (b) Dienes Blocks (c) Taylor's Abacus (d) Graph Paper Choose the correct option :

  • Only (b)
  • (b) and (d)
  • (a) and (c)
  • (a) and (b)

Explanation: For introducing decimals at primary level, Dienes blocks and graph paper are most appropriate. Dienes blocks show decimal place value concretely — a flat = 1, a rod = 0.1, a small cube = 0.01 — making abstract decimal notation tangible. Graph paper lets children shade fractions of a square to represent decimals (0.5 = half a square, 0.25 = quarter). A number chart and Taylor's abacus are useful for whole-number place value but do not as directly model the decimal structure. Decimals are also the foundation of money notation (₹ and paise), making this skill central to the patterns-and-money strand.

Source: CTET Jul 2024 Paper 1, Q32

Q5. A number is larger than half of 100. It is more than 6 tens and less than 8 tens. The sum of its digits is 9. The tens digit is the double of the ones digit. What is the number?

  • 72
  • 63
  • 54
  • 81

Explanation: Applying the constraints systematically: the number is greater than 50, between 61 and 79 (more than 6 tens, less than 8 tens), its digit sum is 9, and the tens digit equals twice the units digit. Testing 63: 6 + 3 = 9 ✓; tens digit 6 = 2 × units digit 3 ✓; 63 > 50 ✓. The number is 63.

Source: CTET Jan 2021 Paper 1, Q34