SB I / I B PS/ R B I / R R B

& OT H E R S E X A M

BANK I NG
ENGLI SH

Pr ev i o u s Year Qu est i o n s
(Wi t h So l u t i o n s)

Pioneer Series
Pioneer Series
BANK I NG ENGLI SH
PREVI OUS YEAR SOLVED QUESTI ONS

© 2 0 0 7 b y I . B . S. Pvt . L t d .
Off i ce: SCO 1 3 4 - 1 3 5 , Sect or 3 4 - A
Ch an d i gar h (I n d i a )

Al l r i gh t r eser ved , No p ar t of t h i s b ook m ay b e r ep r od u ced

i n an y f or m , b y m i m eogr ap h y o r an y ot h er m ean s,
w i t h ou t p er m i s si on i n w r i t i n g f r om I . B . S Pvt . L t d .

E d i t o r : I B S TE AM

Fi r st Edi t i on – May, 2017

Secon d Edi t i on – May, 2018

E- m ai l : i b s@i b si n d i a. co. i n
Web si t e: w w w . I B Si n d i a. co. i n
 BANKING ENGLISH
(PREVIOUS YEAR QUESTIONS WITH SOLUTIONS)
TABLE OF CONTENT

Content Page No.

1. Common Errors .................................................................................. 1-40

2. Fill Up The Blanks (Single Space) .................................................. 41-53

3. Fill Up The Blanks (Double Space) ................................................. 54-82

4. Cloze Test ....................................................................................... 83-126

5. Jumbled Sentences ....................................................................... 127-162

6. Pharase Replacement ................................................................... 163-196

7. Phrase Meaning ............................................................................ 197-203

8. Comprehension Test ..................................................................... 204-375

9. Synonyms & Anotonyms (Relative) .............................................. 376-419

10. Miscellaneous ................................................................................ 420-452

.

COMMON ERRORS
NATIONALISED BANKS
& IBPS PO/MT/SO
Di r ec t i o n s (1 –7 ) : Read each sen -
ten ce (s) t o fin d ou t wh eth er th ere is
an y gram m ati cal er ror in it. Th e er -
ror, if an y, wi ll be in on e par t of t h e
sen ten ce. Th e n u m b er of th at part is
th e an swer. If th er e i s n o error, t h e
an swer i s (5) i.e. ‘No error’(Ign or e t h e
er rrors of pu n ctu ation , if an y).
(Can ar a Ban k PO Ex am . 09. 02. 200 3)
1. Th e j u dge ask ed th e m an (1)/ if
th e bag h e h ad l ost (2 )/ con tain
fi ve t h ou san d r u p ees. (3 )/ Th e
m an repli ed th at it di d. (4)/ No
er ror (5 ).
2. I tru st you will (1)/ sh ow forbear -
an ce t o m e (2 )/ a few m i n u t es
m ore (3)/ so t h at I can fin ish th is
work . (4 )/ No er ror (5 ).
3. Th e gr ou n d ou tsi de th e vil lage,
(1 )/ ab ou n d i n g wi t h fr ogs an d
sn ak es, (2)/ th e en em ies of m an -
k in d, (3)/ is soft an d m arsh y. (4)/
No er ror (5 ).
4. We ar e all sh ort-sigh ted (1 )/ an d
very often see bu t on e si de of t h e
m att er. (2 )/ Ou r views are n ot ex-
ten ded (3 )/ t o all th at h as a con -
n ecti on with it . (4 )/ No error (5 ).
5. J u st l aws ar e n o restr ain t wi th
(1 )/ t h e freedom of th e good, (2 )/
for t h e good m an d esi res n ot h -
in g (3)/ wh ich a j u st law in ter fere
wi th . (4 )/ No er ror (5 ).
6. Had h e d on e (1)/ h i s h om e work
well (2)/ h e wou l d n ot h ave (3 )/
su ffered this embarrassment. (4)/
No er ror (5 ).
7. H e was an gry wi t h m e (1)/ be-
cau se h e th ou gh t m y (2)/ rem ark
was (3)/ aim ed b efore h im . (4 )/
No er ror (5 ).
Di r ect i on s (8–1 7) : Read each sen -
ten ce to fi n d ou t wh eth er t h er e i s an y
gr am m ati cal er ror in it. Th e error, if
an y, wil l be in on e p art of th e sen -
ten ce. Th e n u m b er of t h at part i s t h e
an swer. If t h er e is n o er ror, th e an -
swer is (5). (Ign ore err ors of pu n ctu a-
ti on , if an y)
(Sy n d i cat e Ban k PO Ex am . 10. 10. 200 4)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
8. As you k n ow(1)/ by m y visiti n g
c a r d (2 )/ I a m n o w (3 )/ i n
Mu m bai(4)/ No error(5).
9. With a fresh coat(1)/ of pain t(2)/
t h e sch ool can (3)/ l ook m u ch
n i ce(4)/ No err or(5)
10. I ask ed t h e sal esm an (1 )/ I f I
cou l d ex ch an ge(2 )/ t h e fau l t y
cam era(3)/ with an oth er on e(4)/
No err or(5)
11. I took m e(1)/ al m ost a h ou r(2 )/
t o f i l l t h e(3 )/ a p p l i c a t i o n
form (4)/ No err or(5)
12. Sh e i n si sts(1)/ you stay(2)/ u n -
t i l h er h u s b a n d (3 )/ c o m es
h om e(4)/ No error (5)
13. I don ’t u n derst an d (1)/ h ow sh e
cou ld(2)/ treat h im(3)/ so bad(4)/
No err or(5)
14. At an y ar rival(1)/ in Del h i(2)/ I
wen t str aigh t(3)/ to th e n earest
h ospital.(4)/ No er ror(5)
15. It is m ore bet ter(1)/ if on e of t h e
paren t s(2)/ stays at h om e(3)/ to
look after th e children (4)/ No er -
ror(5)
16. Th ese rep ort s h ave(1)/ det err ed
som e(2)/ wom en to h ave(3)/ th e
operati on (4)/ No er ror(5)
17. I answered(1)/ th e qu estion s(2)/
as best as(3 )/ I cou l d(4)/ No er -
ror/ (5)
Di r ec t i on s (1 8 –2 7 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y error in it . Th e error, if an y, wi ll
be in on e p art of th e sen ten ce. Th e
n u m ber of th at part is th e an swer. If
th ere is n o err or, th e an swer is (5 ).
(Ign ore errors of pu n ctu ati on , if an y).
(Ban k Of M ah ar ash t r a PO
Ex am . 2 5 . 0 5 . 2 0 0 8 )
18. Som e of t h e wor ld (1)/ largest
water bod ies are (2 )/ dryi n g u p
th u s th reaten in g (3)/ th e li vel i-
h oods of m il l ion s. (4)/ No er -
ror. (5)
19. Am on g th e m an y (1 )/ ch al len g-
es facin g th e cou n try (2)/ i n t h e
n ext d ecade (3)/ is povert y an d
u n em p loym en t. (4)/ No error.
(5)
20. According to econ omists (1)/ n ot
m ore t h an fi ve p ercen t (2 )/ of
COMMON ERRORS
ed u cat ion loan s tak en (3)/ by
stu den ts are overdu e. (4)/ No er -
ror. (5)
21. Th e two can d idat es sh are (1)/ a
repu t ation for (2)/ com peten cy
as wel l as (3)/ for good com m u -
n i cat ion sk ill s. (4)/ No er ror. (5)
22. His main qu alification (1)/ on the
job i s (2 )/ h is ex ten sive ex per i-
en ce (3 )/ in for ei gn br an ch es.
(4 )/ No error. (5)
23. A rep resen t ati ve of t h e (1)/ Re-
serve Ban k will provide stu den ts
an (2)/ in sigh t into th e (3)/ eco-
n omic fu tu re of ou r cou ntry. (4)/
No er ror. (5)
24. As on e of t h e lead er (1)/ i n su r -
an ce com p an i es i n (2 )/ In d i a
th ey offer (3)/ com preh en sive fi-
n ancial services. (4)/ No error. (5)
25. Th ere is a ru m ou r th at (1)/ th is
m u ltination al com pan y will (2)/
set u p i ts region al h ead qu arters
(3)/ in In dia in sh ort . (4)/ No er -
ror. (5)
26. Despi te tak in g steps to (1)/ en -
cou rage foreign in vest m en t (2 )/
th ere h as been an y (3)/ su bstan -
ti al im pr ovem en t i n ou r econ o-
m y . (4)/ No er ror. (5)
27. We h ad m ad e ever y effort (1 )/
to en su re th at a (2)/ com prom ise
is reach ed an d (3)/ th at deal was
si gn ed. (4)/ No er ror. (5)
Di r ec t i on s (2 8 –3 7 ) : Read each
sen t en ce to fin d ou t if t h ere is an y
er ror in it. Th e error, if an y, wi ll be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is
n o er ror th e an swer i s (5). (Ign or e er -
rors of pu n ctu ati on if an y).
(I n di an Ov er seas Ban k PO
Ex am . 1 5. 0 6. 20 08 )
28. In dia’s travel and tou rism (1)/ in-
du stry is poised (2 )/ on growth
at seven (3)/ per cen t t h is year
al on e. (4)/ No er ror. (5)
29. Th e M i n i st r y was con si d er ed
(1 )/ sever al p rop osal s for t h e
(2 )/ developm en t of sm al l an d
m ediu m (3)/ en t erprises du rin g
Bu dget di scu ssion s. (4 )/ No er -
ror. (5)
-1-

30. Th e am ou n t of foreign (1)/ d i-
rect in vestm en t in (2)/ th e cou n -
tr y i n 20 08 is (3)/ dou b led th at
received in 1997. (4)/ No error.(5)
31. Th e d etai ls of th e sch em e (1 )/
wi ll be m ad e clear ly (2)/ t o t h e
pu bli c by (3 )/ th e en d of th e fi-
n an ci al year. (4)/ No er ror. (5)
32. Gover n m en t offi cials h ave been
work in g (1 )/ over tim e to an swer
qu eries r aised (2)/ by ban k s on
n u m erou s of (3)/ issu es pertain -
in g to th e l oan wai ver. (4 )/ No
er ror. (5)
33. We h ave sou gh t (1)/ clearan ce
in (2)/ additional expen ditu re in -
cu rred (3 )/ du ri n g th e project.
(4 )/ No error. (5)
34. Th e Reser ve Ban k of In dia’s d e-
cision (1)/ to waive ATM ch arges
(2)/ h ave pu t ban k s (3)/ in a dif-
fi cu l t p osi tion . (4)/ No er ror. (5)
35. Th e govern m en t is plan n i n g to
(1 )/ san ction gr an t s t o ph arm a-
ceu tical com pan i es (2)/ for i n -
ven tin g n ew treatm en ts for (3 )/
di seases abou t m al ari a an d t u -
bercu losi s. (4)/ No error. (5)
36. Th e Fin an ce M in ister’s view (1)/
is th at t h e sch em e wi ll en su re
(2 )/ t h at m il lion s of farm er s wi ll
be (3 )/ lifted ou t of pover ty. (4 )/
No err or. (5)
37. Th e su r vey con d u ct ed r eveal s
(1 )/ th at th ere is a lack (2 )/ of
adequ ate healthcare facilities (3)/
even in u rb an areas. (4)/ No er -
ror. (5)
Di r ect i on s (3 8 –4 7 ) : Read each
sen ten ce an y to find ou t wh eth er th ere
is an y gr am m ati cal err or or idiom at ic
er ror in it. Th e error, i f an y , will be in
on e p art of th e sen ten ce. Th e n u m b er
of th at p art is th e an swer,. If th ere is
n o er ror, th e an swer i s (5). (Ign or e er -
rors of pu n ctu ation , if an y.)
(An dh r a Ban k PO Ex am . 1 4. 09. 200 8)
38. Wh eat pr odu ction s in th e region
(1 )/ wil l fall drasti cal ly (2)/ u n -
less we do an yth in g (3)/ to st op
clim ate ch an ge. (4)/ No error. (5)
39. Th e In dian stock m ark et is (1 )/
on e of th e worse (2)/ per for m -
in g stock m ark ets (3)/ in th e r e-
cen t t im es. (4 )/ No error. (5)
40. Wi th in fl ati on at eleven per cen t
(1)/ com p an ies n eed t o com e u p
(2)/ with in n ovative ways to (3)/
get cu stom ers to bu y it good (4)/
No er ror. (5)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
41. Pri vate com pan ies wh ich profits
(1 )/ h ave gr own du e to (2)/ t h e
h i gh price of oil (3)/ sh ou l d of-
fer discou nts on cook ing gas. (4)/
No er ror. (5)
42. Havin g work in (1)/ both p u bl ic
and private sector bank s (2)/ Mr.
Rao is th e i deal ch oice to (3 )/
tak e over as ch air m an . (4 )/ No
er ror (5)
43. In order to expan d, th e com pan y
(1 )/ plan s t o t ran sform from a
(2 )/ fam i ly based b u si n ess in to
(3)/ a profession al m anaged one.
(4 )/ No error (5)
44. Am it star ted a sm all (1)/ con -
stru ction bu sin ess two years ago
(2)/ wh en th e cou n try is (3)/ en -
joyin g a con stru ction boom . (4)/
No err or (5)
45. Gi ven th e cu rren t (1)/ m ark et
con di tion s h as is (2)/ better for
u s t o i n v es t (3 )/ i n t h e
in frastct u re sector. (4 )/ No er -
ror (5)
46. Man y ath letes h ave (1)/ tak en on
yoga (2 )/ to develop th eir con -
c en t r a t i o n (3 )/ a n d r ed u c e
st ress. (4 )/ No error (5)
47. His m ain aim is (1)/ to creat e an
(2)/ interest in hock ey (3)/ am ong
sch ool ch ildren . (4)/ No error (5)
Di r ec t i o n s (4 8 –5 7 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m ati cal er ror in it. Th e er -
ror, if an y, wi ll be in on e par t of t h e
sen ten ce. Th e n u m b er of th at part is
th e an swer. If th er e i s n o error, t h e
an swer i s (5 ). i.e. ‘No err or’. (Ign ore
th e errors of pu n ctu ation , if an y.)
(Or i en t al Ban k Of Com m er ce PO
Ex am . 2 1 . 1 2 . 2 0 0 8 )
48. Th ese com p an i es h ave b een
ask ed (1)/ to fu rn ish th eir fin an -
cial details (2)/ an d in form at ion
ab ou t (3 )/ its board m em ber s.
(4 )/ No error (5)
49. T h e s c h em e w h i c h w i l l b e
lau n ch ed (1)/ du rin g th e next two
years (2 )/ requ ire an ad dit ion al
in vestm en t (3)/ of on e h u n dr ed
cr ores. (4)/ No error (5 ).
50. Road develop ers u n abl e (1 )/ to
com plete th eir p roj ect s (2 )/ on
tim e will n ot be (3)/ awarded new
on es. (4 )/ No error (5)
51. We h ave tak en on (1 )/ th e r e-
spon sibility of (2)/ arran ging th e
requ ired training (3)/ and su per -
vi se t h e n ew st aff.(4 )/ No er -
ror (5)
COMMON ERRORS
52. Th e gover n m en t h as si gn ed (1 )/
a m em oran du m of u n derstan d-
in g with (2 )/ th e com pan y t o set
u p (3 )/ a pl an t in th e st ate. (4 )/
No err or (5)
53. Owin g the n ew policy (1)/ we feel
th at th e tar get s (2 )/ set for th is
year (3)/ m ay n ot be ach i eved.
(4 )/ No error (5)
54. Si n ce th e lack of (1)/ m an power
we can n ot (2 )/ con d u ct th e su r -
vey (3)/ in ru ral areas. (4 )/ No
er ror (5)
55. Palm oil is very b en eficial (1 )/
an d i s u se to (2)/ m ak e prod-
u cts ran gin g (3 )/ from soap to
bi odi esel. (4)/ No error (5)
56. Th ere are on ly (1)/ a few com -
pan y (2)/ wh ich can h an dl e (3 )/
pr ojects of th is m agn itu de. (4 )/
No err or (5)
57. Th e data sh ows th at (1)/ th e u n -
em pl oym en t r ate h as (2)/ raised
to 6.1 p er cen t (3 )/ th e h i gh est
in fi ve year s. (4)/ No err or (5)
Di r ec t i o n s (5 8 –6 7 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m atical error or idiom atic er -
ror i n it . Th e err or, if an y, will be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is
n o er ror, th e an swer i s (5). (Ign or e er -
rors of pu n ctu ati on , if an y)
(I n di an Ov er seas Ban k PO
Ex am . 0 5. 0 4. 20 09 )
58. T h e go v er n m en t h a s (1 )/
lau nched m an y creative schemes
(2 )/ t o m ak e ban k i n g services
(3 )/ available to everyon e (4)/ .
No er ror (5 ).
59. We h ave received m an y (1 )/ of
th e letters from cu stom ers (2 )/
ask i n g u s t o ex t en d (3 )/ t h e
deadlin e to repay th eir loan s (4)/
. No error (5 ).
60. Un der th e term s of th e n ew deal
(1 )/ th e ch an n el can broadcast
(2)/ th e n ext crick et tou rn am en t
to be (3 )/ played am on g In d ia
an d Au str ali a (4)/ . No er ror (5 ).
61. Th is is t u rn ed ou t to be (1)/ on e
of ou r m ost su ccessfu l projects
(2)/ an d we h ave m ade qu ite (3)/
a lar ge profit from i t (4)/ . No er -
ror (5 ).
62. A n on ban k in g fin an ci al com pa-
n y is a (1)/ fi n an cial in stit u ti on
sim ilarly to a bank (2)/ bu t it can-
n ot i ssu e (3 )/ ch equ e book s to
cu stom er s (4)/ . No er ror (5 ).
-2-

63. He h as tak en care to (1)/ com -
pl ian ce with th e n orm s (2 )/ so
h e exp ect s t h e p rop osal (3 )/ to
be app roved with ou t delay (4)/ .
No er ror (5 ).
64. Si n ce I h ad li ved th ere (1)/ for
m an y year s t h e vi l l ager s (2 )/
were very com fortable talk ed (3)/
to m e abou t th ei r p rob lem s (4 )/
No er ror (5 ).
65. Ou r equ ipm en t gets dam age (1)/
very often i n su m m er (2)/ b e-
cau se t h er e ar e (3 )/ fr equ en t
power cu t s (4)/ . No error (5 ).
66. We h ave been u n der (1 )/ a l ot of
pr essu re to (2)/ op en fift y n ew
st ores (3)/ by th e en din g of t h e
year (4)/ . No error (5 ).
67. Th e com pan y is i n debt (1)/ an d
h as been u n able (2)/ to pay their
em ployees’ sal aries (3)/ for t h e
past six m on th s (4 )/ . No err or
(5).
Di r ec t i o n s (6 8 –7 2 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m at ical error in it . Th e err or
if an y will be in on e part of th e sen -
ten ce, t h e n u m ber of th at p art wi ll be
th e an swer. If th ere is n o err or, m ark
(5) as t h e an swer. (Ign or e err or s of
pu n ctu ation , if an y.)
(Un i t ed Ban k Of I n d i a PO
Ex am . 2 1. 0 6. 20 09 )
68. To b e a k in g an d (1 )/ wear a
cr own ar e (2)/ m or e glam orou s
to (3 )/ see th an t o b ear. (4)/ No
er ror (5 ).
69. Non e of t h e stu d en t (1 )/ i n t h e
cl ass (2 )/ scored bel ow th e (3 )/
gi ven cu t -off m ark s.(4 )/ No er -
ror (5 ).
70. Ashok is am on g th e (1)/ few peo-
pl e in th e world (2 )/ wh ich d id
n ot b lin dly follow (3 )/ th e path
of ot h er s.(4)/ No er ror. (5)
71. Most peop le lik e t o (1)/ rest af-
ter a day’s h ar d work (2)/ b u t
h e seem ed to h ave (3)/ an in ex-
h au sti ve su p ply of en ergy. (4 )/
No er ror. (5)
72. An cien t arti facts are (1)/ a part
of global heritage (2)/ an d sh ou ld
n ot be (2 )/ sold to th e h i gh est
bi dder. (4)/ No error.(5)
Di r ec t i o n s (7 3 –8 2 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m ati cal er ror in it. Th e er -
ror, if an y, wi ll be in on e par t of t h e
sen ten ce. Th e n u m b er of th at part is
th e an swer. If th er e i s n o error, t h e
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
an swer i s (5 ). i.e. ‘No err or’. (Ign ore
th e errors of pu n ctu ation , if an y.)
(An dh r a Ban k PO Ex am . 0 5. 07. 200 9)
73. In em ergi n g econ om i es, (1)/ t h e
p r i vat e cr ed i t m ar k et (2 )/ r e-
m ai n s h i gh l y segm en t ed an d
th u s (3)/ weak en power of m on -
et ary pol icy. (4 )/ No error (5)
74. Th e recent election campaign (1)/
h as b een on e of (2 )/ th e m ost
noisiest campaigns (3)/ in the last
decad e. (4)/ No err or (5)
75. Wh ol esom e st r at egi c p l an n in g
(1 )/ was th e focu s as (2)/ t h e
fi rm m an age th rou gh a difficu lt
period (3)/ a cou ple of years ago.
(4 )/ No error (5)
76. In spi te of t h e best gover n m en -
t a l ef for t s , (1 )/ em i ss i o n of
gr een h ou se gases (2)/ an d n ox-
i ou s ch em i cal s (3 )/ r em ai n a
cau se of wor ry. (4 )/ No error (5)
77. Th e r ate of m etabolism of (1)/ a
b od y i s com p ar at i vel y l owest
wh en (2)/ i t i s at rest an d is (3 )/
th u s opt im u m for exam in ation .
(4 )/ No error (5)
78. Th e opposit ion leader tr ied (1 )/
to bolster h is positi on (2)/ wi th
th e voters pressin g (3)/ corru p-
ti on ch ar ges again st rivals. (4 )/
No err or (5)
79. Th e recen tly imposed dress code
(1)/ in t h e u n i ver sit y h as en -
raged (2 )/ th e stu den ts wh o wi ll
be goin g (3)/ on stri k e sin ce t o-
m orrow. (4)/ No err or (5)
80. Ever sin ce h e took over (1 )/ as
th e ch ief m in i ster of th e stat e,
(2 )/ r ate for u n em p loym en t (3 )/
h as drastically increased. (4)/ No
er ror (5)
81. Alth ou gh the brilliant writer, (1)/
an l yin g (2)/ pessim ism prevails
in (3)/ al l h er n ovel s. (4)/ No er -
ror (5)
82. Ch an ged soci al sett in g (1)/ d e-
m an ds th e sch ool s t o t each (2 )/
m or al an d soci al val u es (3 )/
a m o n g w i t h t h e a c a d em i c
sk ills. (4)/ No er ror (5)
Di r ec t i o n s (8 3 –9 2 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m at ical error in it . Th e err or
if an y will be in on e part of th e sen -
ten ce, t h e n u m ber of th at p art wi ll be
th e an swer. If th er e i s No error, t h e
an swer i s (5 ). i.e. ‘No err or’. (Ign ore
th e errors of pu n ctu ation , if an y.)
(Cor p or at i on Ban k PO
Ex am . 2 2 . 1 1 . 2 0 0 9 )
COMMON ERRORS
83 . I may go to th e (1)/ swimming class
tom or row (2)/ i f I h ave r ecover ed
(3 )/ from th e cold . (4)/ No err or
(5)
84 . Th e prime min ister annou nced (1)/
th at th e taxes will be (2)/ in creas-
ing from th e (3)/ beginn in g of n ext
year. (4 )/ No error (5)
8 5 . He is th e m ost (1)/ in telligen t an d
also (2)/ th e very talen ted (3)/ stu -
den t of t h e col lege. (4)/ No err or
(5)
8 6 . Sh e i m m ed iat ely qu it (1)/ th e j ob
in wh ich (2 )/ n eit h er th e sk ill n or
(3 )/ k n owl ed ge wer e r equ i r ed .
(4 )/ No error (5)
87 . The meteorological department (1)/
pr edi cted th at th e (2 )/ r ain s an d
th u n d erst orm m ay (3)/ con tin u e
th rou gh ou t t oday. (4)/ No err or
(5)
88 . Th e cru el k ing believed (1)/ in pu n-
ishing the prisoners (2)/ u n til th ey
did n ot (3)/ con fessed th eir crim e.
(4 )/ No error (5)
8 9 . As soon as t h e CEO (1)/ en ter ed
th e office, th e (2)/ u n ion leaders
ap proach ed h im (3)/ an d r eport
th e m att er to h im . (4 )/ No err or
(5)
9 0 . In stead of b ein g a clear win n er
(1)/ h e was n ot given (2)/ th e best
em ployee (3 )/ of t h e year awar d.
(4 )/ No err or (5)
9 1 . Havin g b een fou n d (1)/ gu il ty of
t h e t h eft , (2)/ Su n n y was sen -
ten ced (3 )/ to five year’s im pri s-
on m en t. (4)/ No error (5)
9 2 . In stead of layin g off (1)/ th e work -
er s, th e com pan y (2)/ decid ed to
ask t h em (3 )/ to avai l volu n tary
retir em en t. (4 )/ No err or (5)
Di r ect i on s (9 3–10 2 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m at ical error in it . Th e err or
if an y will be in on e part of th e sen -
ten ce, t h e n u m ber of th at p art wi ll be
th e an swer. If th er e i s n o error, t h e
an swer i s (5 ). i.e. ‘No err or’. (Ign ore
th e errors of pu n ctu ation , if an y.)
(I n di an Ban k Rur al M ar k et i n g
Of f i cer Ex am . 2 2. 11 .2 00 9)
93. Som e gen u in e issu es exist (1 )/
with th e n ewly adopted (2)/ sys-
tem an d n eed s t o (3)/ be exam -
in ed seri ou sly. (4 )/ No error (5)
94. Wh eth er or n ot t o con fron t (1 )/
th em abou t t h ei r r ole (2)/ i n t h e
m atter is a deci sion (3)/ wh i ch
is yet to tak e. (4 )/ No error (5)
-3-

95. The governm en t is still in the (1)/
pr ocess of fin al ised n ew p oli cy
(2)/ gu idelin es for th e allocation
of lan d (3)/ to pri vat e sector or -
gan isation s. (4 )/ No error (5)
96. Accor di n g to govern m en t esti -
m ates (1 )/ at least fou r m i lli on
ton n es of su gar (2 )/ will h ave to
be im por ted (3 )/ th is year b e-
cau se of a poor m on soon . (4 )/
No err or (5)
97. In ou r ex per ien ce p eop le u su al-
l y (1 )/ valu e t h i n gs t h at t h ey
h ave to (2)/ pay off m ore th an
th ose th at (3)/ th ey receive fr ee
of cost. (4 )/ No error (5)
98. At p r esen t Ch i n a i s t h e (1 )/
world’s leader m an u factu rer (2)/
of environ men t frien dly produ cts
(3)/ su ch as elect ri c car s an d
bi cycles. (4 )/ No error (5)
99. Over eigh ty per cen t from u s (1)/
feel t h at i f we h ad tak en (2 )/
som e corr ect ive m easu r es earl i-
er (3)/ the crisis cou ld h ave been
avert ed. (4 )/ No error (5)
100. Th e m an ager of t h at ci ty b ran ch
(1 )/ can n ot h an dle it wit h t h e
h elp of (2)/ on l y t wo person n el
as (3 )/ b u si n ess h as in cr eased
su bst an t ial ly. (4)/ No error (5)
101. With th e literacy rates in th is (1)/
region as low as ten per cen t (2)/
we n eed to en cou rage th e (3 )/
local people to bu ild schools. (4)/
No err or (5)
102. Wh ile pr ovi din g su ch facil iti es
(1 )/ on li n e m ak es i t con ven ien t
(2)/ and easily accessible for cu s-
t om er s, (3 )/ w e face sever al
ch all en ges. (4)/ No error (5)
D i r ec t i o n s (1 0 3 –1 1 2 ) : Read
each sen t en ce t o fi n d ou t wh et h er
th ere i s an y gram m at ical m ist ak e/ er -
ror i n i t. Th e err or if an y, wi ll be in
on e p ar t of th e sen t en ce. M ar k th e
n u m ber of th at part with error as you r
an swer. If t h er e i s ‘No err or’, m ark (5)
as you r an swer.
(I n di an Ban k PO Ex am . 17. 10. 201 0)
103. Th eir fai lu r e t o i n sp ect (1)/ ou r
factories is a (2)/ clear in dica-
tion s th at ou r (3)/ license will n ot
be ren ewed. (4)/ No error (5)
104. Th e Board’s decision h as provid-
ed (1 )/ em pl oyees wit h th e op-
port u n it y (2 )/ t o acqu ir e u p to
10 0 (3)/ sh ares by th e com p a-
n y. (4 )/ No error (5)
105. He h ad telep h on ed yesterd ay to
(1 )/ ask h ow m u ch of th e you th
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(2 )/ w h o at t en d ou r cl asses
wou ld be (3)/ in terested in work -
in g for a textil e com p an y. (4 )/
No err or (5)
106. If th e m an u factu rin g sector con -
ti n u es (1 )/ to grow at th e sam e
rate for (2)/ th e n ext few mon ths,
I th i n k i t (3)/ h as a h igh growth
rate th is year. (4 )/ No error (5)
107. Th e su ccess of t h e (1)/ gover n -
m ent spon sor job gu aran tee pro-
gr am m e (2)/ h as resu l ted in a
(3)/ drastic d rop in poverty. (4)/
No err or (5)
108. We h ad ex ten sively di scu ssion s
(1 )/ wit h t h e p ar ti cip an ts an d
(2)/ obtain ed th eir feedback (3)/
regar din g ou r n ew ser vices. (4 )/
No err or (5)
109. Th e gover n m en t is wor k in g (1 )/
ou t a n ew system to com pen sate
(2)/ th ose com pan ies to sell (3)/
produ cts below th e m ark et price.
(4 )/ No error (5)
1 1 0 . Th ou gh h e h as p rom oted to (1 )/
th e b an k ’s b oar d as a dir ect or
(2 )/ h e con t in u es to carr y ou t
(3 )/ all h is cu rren t r esp on si bil i-
ti es. (4 )/ No err or (5)
111. Ar ran gin g su ch a l arge am ou n t
(1)/ of fu n ds n ow will be a prob-
lem wh y (2)/ ban k s ar e u su al ly
n ot op en (3 )/ so ear l y i n t h e
m orn i n g. (4 )/ No error (5)
1 1 2 . We were forced in t o r eact (1 )/
as n o organ i sati on can (2)/ af-
ford to adh ere to (3)/ th ese ou t-
dated regu l ati on s. (4 )/ No err or
(5)
Di r ec t i o n s (1 1 3 -1 1 7 ) : Read
each sen t en ce t o fi n d ou t wh et h er
th ere i s an y gram m at ical m ist ak e/ er -
ror i n i t. Th e err or if an y, wi ll be in
on e p ar t of th e sen t en ce. M ar k th e
n u m ber of th e p art wit h error as you r
an swer. If t h ere is ‘No error ’, m ark (5).
(Al l ah abad Ban k PO
Ex am . 2 1 . 0 2 . 2 0 1 0 )
113. We ar e yet star tin g (1)/ offeri n g
th is faci lit y t o (2)/ ou r cu stom -
er s as we ar e (3 )/ awaitin g ap-
pr oval fr om th e Board . (4 )/ No
er ror (5)
114. Th e Ch air m en of al l l arge (1 )/
pu blic sector bank s met with (2)/
sen ior RBI officials to give its (3)/
su ggestion s abou t im plem en tin g
th e n ew p oli cy. (4 )/ No error (5)
115. Th ey h ave n ot fu ll y con si der ed
(1)/ th e im pact th at relaxin g (2)/
COMMON ERRORS
th ese gu i del in es is li k el y (3 )/ to
h ave with th e econ om y. (4 )/ No
er ror (5)
116. Had th is n ot ificati on (1)/ been
am en d ed earl ier, (2)/ we cou ld
h ave st opp ed (3 )/ th e t ran sfer
of fu n ds. (4 )/ No error (5)
117. Th ere ar e m an y in su ran ce (1 )/
di spu tes n owad ays becau se of
(2)/ m ost people do n ot fu lly (3)/
u n der stan d th e ter m s an d con -
di tion s of t h ei r policies. (4 )/ No
er ror (5)
Di r ec t i o n s (1 1 8 –1 2 7 ) : Read
each sen t en ce t o fi n d ou t wh et h er
th ere is an y gram m ati cal er ror or id i-
om ati c error i n i t. Th e n u m ber of th at
part is th e an swer. If t h er e i s n o er -
ror, th e an swer i s (5 ). (Ign or e errors
of pu n ctu ation s, i f an y)
(Cor p or at i on Ban k PO
Ex am . 0 9. 0 5. 20 10 )
1 1 8 . Som e gen u in e issu es exist (1 )/
with th e n ewly adopted (2)/ sys-
tem an d n eed s t o (3)/ be exam -
in ed ser iou sly (4). No error (5)
119. Wh eth er or n ot t o con fron t (1 )/
th em abou t t h ei r r ole (2)/ i n t h e
m atter is a deci sion (3)/ wh i ch
is yet t o t ak e (4). No error (5)
120. The governm en t is still in the (1)/
pr ocess of fin al ized n ew p oli cy
(2)/ gu idelin es for th e allocation
of lan d (3)/ to pri vat e sector or -
gan izati on s (4). No error (5)
121. Accor di n g to govern m en t esti -
m ates (1 )/ at least fou r m i lli on
ton n es of su gar (2 )/ will h ave to
be im por ted (3 )/ th is year b e-
cau se of th e poor m on soon (4 ).
No err or (5)
122. In ou r experien ce people u su ally
(1 )/ val u e th i n gs th at t h ey h ave
to (2)/ p ay off m or e t h an th ose
th at (3 )/ t h ey recei ve free of cost
(4 ). No error (5)
123. At p r esen t Ch i n a i s t h e (1 )/
world’s leader m an u factu rer (2)/
of environ men t frien dly produ cts
(3)/ su ch as elect ri c car s an d
bi cycles (4 ). No error (5)
124. Over eigh ty per cen t from u s (1)/
feel t h at i f we h ad tak en (2 )/
som e cor rective m easu res ear -
li er (3 )/ th e cri si s wou ld h ave
been aver ted (4 ). No error (5)
125. Th e m an ager of t h at ci ty b ran ch
(1 )/ can n ot h an dle it wit h t h e
h elp of (2)/ on l y t wo person n el
as (3 )/ b u si n ess h as in cr eased
su bstan ti all y (4 ). No error (5)
-4-

126. With th e literacy rates in th is (1)/
region as low as ten percen t (2)/
we n eed t o en cou rage (3)/ local
people to bu ild sch ool s (4 ). No
er ror (5)
127. Wh ile pr ovi din g su ch facil iti es
(1 )/ on li n e m ak es i t con ven ien t
(2 )/ an d easi l y accessi b l e for
cu stom ers (3 )/ we face sever al
ch all en ges (4). No error (5)
Di r ec t i o n s (1 2 8 –1 3 7 ) : Read
each sen t en ce t o fi n d ou t wh et h er
th ere is an y gr am m atical err or i n i t.
Th e error if an y will be in on e part of
th e sen ten ce, t h e n u m b er of th at part
wi ll be th e an swer. If t h er e is ‘No er -
ror’, m ark (5) as th e an swer. ( Ign ore
er rors of pu n ctu ati on , if an y.)
(Pun j ab & Si n d Ban k PO
Ex am . 1 6. 0 5. 20 10 )
128. An ger ed over t h e d elay i n givi n g
com pen sation , (1)/ factory work -
ers sh ou ted (2)/ slogan s again st
th e presiden t (3)/ wh en h e reach-
es th e office. (4)/ No err or (5)
129. Th e cascadin g effect of econ om -
ic sl owdown (1)/ h as brou gh t a
mu ch u nn ervin g gloom (2)/ to the
real estate in du stry last year (3)/
bu t t h e i n du str y i s l ook i n g u p
th is year. (4)/ No err or (5)
130. A recycl in g pl an t in close prox-
im ity to (1)/ t h e r esi den tial ar ea
can p ose (2 )/ ser i ou s t h r eat s
from resi d en ts (3)/ b y leavin g
b eh i n d p er si st en t p ol l u t an t s.
(4 )/ No err or (5)
131. Th e gover n m en t h as th e ob liga-
ti on (1)/ to pr ovi de basi c i n fr a-
st ru ctu re facil ities (2)/ to regu -
lat in g th e process of (3)/ u rban -
ization i n t h e cou n try. (4 )/ No
er ror (5)
132. Bh aratpu r is tr an sfor m in g in to
(1 )/ In di a’s m ost fast est grow-
in g b ird san ct u ary (2 )/ att ract-
in g th ou san d s of rare m igr atory
bi rds (3)/ from Eu rop e an d Si-
beria. (4)/ No err or (5)
133. Plagu ed by h u ge l osses, (1)/ fu ll
servi ce ai r l i n es ar e st r u ggl i n g
(2 )/ to cope wi th th e com pet i-
ti on (3)/ fr om low cost airl in es.
(4 )/ No err or (5)
134. Volu n teers of an NGO (1)/ in ter -
acted wit h sch ool stu d en ts (2 )/
to sp read awaren ess abou t (3 )/
en viron m en t related issu es. (4)/
No err or (5)
135. Th e Un ion h ealt h m in i ster said
t h at (1 )/ t h er e was an acu t e
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
sh ortage of (2)/ h ealt h person -
n el in ru ral areas (3)/ wh o n eed-
ed to be addressed u rgently. (4)/
No err or (5)
136. E ven t h ou gh m ost of I n d i a’s
you th (1)/ lives in villages, m an y
peopl e con si der s (2)/ th e on es
roam in g in d azzlin g m u ltipl exes
(3 )/ as th eir tru e reflecti on . (4 )/
No err or (5)
137. Th e RBI h as proposed to i n tr o-
d u ce (1 )/ p ol ym er n ot es aft er
tak in g i n to con sid eri n g (2)/ t h e
cost an d lon gevit y (3 )/ associ at-
ed with th eir man u factu rin g. (4)/
No err or (5)
Di r ec t i o n s (1 3 8 –1 4 7 ) : Read
each sen t en ce t o fi n d ou t wh et h er
th ere is an y gr am m atical err or i n i t.
Th e error if an y will be in on e part of
th e sen ten ce, t h e n u m b er of th at part
wi ll be th e an swer. If t h er e i s n o er -
ror, th e an swer is (5). i .e. ‘No er ror ’.
(Ign ore t h e err ors of pu n ctu ation , if
any.)
(Ban k Of Bar oda PO
Ex am . 3 0 . 0 5 . 2 0 1 0 )
138. Hu m an babies wh ose m oth ers
(1)/ h ave h ad th e flu wh i le pr eg-
n ant m ay (2)/ h ave a greater risk
of developin g (3 )/ sch izoph ren ia
latel y in li fe. (4 )/ No error (5)
139. Si x wom en ach iever s, wh o con -
tin u e (1)/ to in spire t h e you n ger
lot, were h onou red (2)/ with th eir
con t r i b u t i on s i n t h ei r ch osen
fi el d s (3 )/ on t h e occasi on of
wom en ’s d ay. (4 )/ No error (5)
140. Al l In dian s k n ow t h at th ey are
(1 )/ su perior i n all resp ect s n ot
on ly to (2)/ t h ose u n for tu n ately
bein gs called foreigners, bu t (3)/
al so th at th ey are su p eri or t o all
ot h er In dian s. (4)/ No error (5)
141. Wh ile th e h an d som e actor was
bu sy (1)/ belt in g ou t on e-lin ers,
h i s (2 )/ gracefu l co-star was a
(3)/ com plete i m agery of wom an
power. (4 )/ No error (5)
142. He is on e of t h e first film pr o-
du cer s (1)/ to act u al ly tak e t h e
m u ch n eeded step (2)/ again st
st ar s p u t t i n g u p i n for m at i on
ab ou t (3 )/ u n d er -p r od u ct i on
fi lm s on social n et wor k in g web-
si tes. (4 )/ No error (5)
143. It was an even in g of (1)/ fu n an d
fr oli c as th e city’s gli tter ati (2 )/
an d h i gh -p r ofi l e b u sin essm en
m ade su re (3 )/ t h at th ey d idn ’t
m i ss th e sh ow. (4)/ No error (5)
COMMON ERRORS
144. Resu l ts fou n din g t h at boys n ot
on ly (1)/ pl ay m ore th an girl s,
bu t (2)/ th ey start earlier, an ou t-
com e t h at (3 )/ cou l d b e cl ear ly
relat ed to a cu ltu ral in flu en ce.
(4 )/ No error (5)
145. Videogam es m ay n ot (1)/ n eces-
sari ly adversel y affect (2 )/ t h e
academ ic resu lts in ch ildren (3)/
con trary to m ost paren ts’s per -
cepti on . (4 )/ No error (5)
146. Celebr iti es sh owed th eir ch il d-
li k e side (1 )/ yester day, as m ost
of th em tu rn u p wearing (2)/ car -
toon T -sh irt s for t h e screen i n g
of (3 )/ th e latest an im ated fi lm
in town . (4 )/ No error (5)
147. Th e stu dy focu sin g ex clu sively
to (1)/ critically ill children fou n d
t h at ch i ld r en wi th ch ron i c i ll -
n esses, (2 )/ especially respir ato-
ry illn esses, are m ost lik ely, (3)/
t o d evel op i n fl u en za t h at r e-
qu ires cr iti cal care. (4)/ No er -
ror (5)
Di r ec t i o n s (1 4 8 –1 5 7 ) : Read
each sen t en ce t o fi n d ou t wh et h er
th ere is an y gram m ati cal er ror or id i-
om ati c error i n i t. Th e err or, if an y,
wi ll be in on e par t of t h e sen t en ce.
Th e n u m ber of th at part is th e an swer.
If th ere is n o err or, th e an swer is (5 ).
(Ign ore err ors of pu n ctu ati on , if an y)
(Cen t r al Ban k Of I n d i a PO
Ex am . 2 5 . 0 7 . 2 0 1 0 )
148. Su gar -sweet en ed d r i n k s d oes
n ot (1 )/ p ose an y p ar t i cu l ar
h ealth ri sk , an d / (2) are n ot a
u n iqu e risk factor / (3) for ob esi-
ty or h eart di sease. (4)/ No er -
ror (5)
149. Ai r l i n e m an agem en t s sh ou l d
n ote (1)/ t h at th e u l tim ate pas-
sen ger u n fr ien dlin ess (2 )/ is to
h ave t h eir plan es crash (3 )/ d u e
to th e ad opt ed of u n safe p roce-
du res. (4 )/ Ne error (5)
150. Celebratin g its ten lon g years (1)/
in th e in du stry, a pr ivat e en ter -
tain m en t ch ann el (2) / an n ou n ce
a ser ies of (3 )/ p rogram m es at a
pr ess con fer en ce. (4)/ No err or
(5))
151. Th e awar d cerem on y en ded (1 )/
on a n ote of good ch eer (2)/ with
au d ien ces r esp on di n g war m l y
(3 )/ to i ts lin e u p of fi lm s.(4 )/
No err or (5)
152. Th e actr ess was or der ed for (1 )/
wear an alch ol mon itoring brace-
let an d (2)/ su bm i t t o r an d om
-5-

week ly dru g testin g after (3)/ sh e
failed to ap pear for a cou rt date
last week . (4)/ No error (5)
153. Coach es h ave th e advan tage of
(1 )/ d raw on th eir per son al ex-
periences (2)/ an d providing their
players (3)/ with u n iqu e in pu ts.
(4 )/ No error (5)
154. The actor loves to th in k , (1)/ n ev-
er en joys stick to on e k ind of role
(2 )/ an d fi n ds it difficu lt to (3 )/
fu l fil l ever yon e’s ex pect ati on s.
(4 )/ No error (5)
155. A m aj or com p u ter secu rity fi rm
u rged (1)/ t h e social n etwor k in g
site to set u p (2 )/ an early-warn -
in g system after h u n dreds of u s-
er s were (3)/ h i t b y a n ew wave
of vir u s att ack s. (4)/ No err or
(5)
156. Th e finding m ay help doctors (1)/
gi ve m ore person al ised care to
p at i en t s (2 )/ an d m od i fy t h e
am ou n t of p ower fu l dr u gs (3 )/
admin istered over th eir patients.
(4 )/ No error (5)
157. Th e actress m ade a rare ap pear -
an ce (1)/ at th e p art y an d was
(2)/ overh eard talk in g in (3)/ h er
n ext bi g project. (4)/ No err or
(5)
Di r ec t i o n s (1 5 8 –1 6 7 ) : In each
of th e foll owi n g sen t en ces, th e error,
if th ere is on e, will be in th e p art gi v-
en in bol d an d n u m ber ed. Th e n u m -
b er of th e par t wh i ch con tai n s t h e
er ror is th e an swer. If th ere i s n o er -
r or, th e an swer is (5 ). Th e er ror, i f
an y, will be of gram m ar or/ an d u s-
age. (Ign or e errors of p u n ctu ation , if
any).
(Sy n d i cat e Ban k PO Ex am . 2 9. 08. 201 0)
158. Fu rth er trials h ave added wei gh t
on (1)/ th ese fi n di n gs, an d an
ex p er t p an el con cl u d ed t h er e
was n o ev i den ce t o (2)/ recom -
m en d b et a c ar o t en e s u p p l e -
m en t s for t h e gen er al (3)/ pop-
u l ation , an d str on g eviden ce to
recom m en d th at sm ok er s av oi d
i t . (4)/ No er ror (5)
159. H ad I (1)/ k n own i t ear l i er (2 )/
I wo u l d h ad (3 )/ m ade a di f fer -
en t pl an . (4 )/ No err or (5)
160. I f y o u deci d e (1)/ to st rai gh t en
ou t a l ot o f (2)/ th in gs in you r
li fe all at on c e, (3)/ i t i s p rob a-
bl e t h at y o u w i l l ach i eve n ot h -
in g. (4)/ No err or (5)
161. I t i s (1)/ im portan t not t o di rect
(2)/ people too m u ch an d t o l et
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(3 )/ t h em fin d t h ei r own way .
(4 )/ No err or (5)
162. Prod u ct pl an n er s i n t h e pr o -
d u c t i o n (1)/ u n i t s wor k i n t i -
m at el y w i t h (2 )/ p r ogr am m e
m an agers t o defi n i n g (3 )/ n ew
id eas for pr o du ct s (4)/ or prod-
u ct feat u res. No err or (5)
163. I will al way s r em em ber (1)/ th e
adv i ce fr om (2)/ my su pervisors
as I work on ph on es (3)/ : Sm ile.
it doesn ’t m atter th at t h ey can ’t
see y ou; (4)/ you ’ll sou nd friendly
an d h app y. No err or (5)
164. T o ou r k n ow l ed ge, (1 )/ n o on e
for esaw ex act l y h ow fast (2 )/
an d h o w bi g t h e (3 )/ PC m ar -
k et h ad gr ow n (4)/ i n t h e years
to com e. No err or (5)
165. Resu l ts wo u l d h av e (1 )/ been
m u ch differ en t h ad h e (2 )/ pr o-
jected h i m sel f i n to th e m i n d s of
(3 )/ t h e m asses of ord in ar y peo-
ple an d ask h i m sel f th ese qu es-
ti on s. (4)/ No err or (5)
166. It h ad (1 )/ all begu n (2 )/ in a
br igh t ly lit room as I dream i ly
r an (3)/ m y fin gers over th e sur -
faced (4)/ of a globe. No error (5)
167. On wr i t i n g (1 )/ t h is book , we
c a n n o t o v er em p h a s i ze t h e
u niqu e opportu n ity we h av e h ad
(2 )/ t o pr obe (3 )/ broadl y an d
freely i n t o t h e organ i zat i on . (4)/
No err or (5)
Di r ec t i o n s (1 6 8 –1 7 2 ) : Read
each sen t en ce t o fi n d ou t wh et h er
th ere is an y gram m ati cal er ror or id i-
om ati c error i n i t. Th e err or, if an y,
wi ll be in on e par t of t h e sen t en ce.
Th e n u m ber of th at part is th e an swer.
If th ere is n o err or, th e an swer is (5 ).
(Ign ore errors of pu n ctu ati on , if an y.)
(Pun j ab Nat i on al Ban k Sp eci al i st
Of f i cer Ex am . 2 4. 10 .2 01 0)
168. In i t iall y, sh op own ers tr ied t o
(1 )/ offer som e resistan ce t o t h e
dem ol iti on bu t (2)/ seein g t h e
h eavy p r esen ce of t h e p ol i ce
force, (3 )/ th eir resistan ce fad-
ed off. (4)/ No er ror (5 ).
169. Cl ean l in ess d rives wil l b e (1 )/
con du cted in var iou s l ocal iti es
(2 )/ t o o p en i n g t h e d r a i n s
b l ock ed (3 )/ w i t h p o l y t h en e
bags. (4)/ No error. (5)
170. Th e resu l ts of t h e stu dy sh owed
t h at (1 )/ i f t h e p ar t n er s wer e
wi lli n g t o t alk to each oth er (2 )/
an d ar rive at a m u t u al ly agree-
ab le deci sion , (3)/ t h e j oin t d e-
COMMON ERRORS
cision s were m ore b et t er t h an
any on e person ’s ju dgem ent. (4)/
No err or (5)
171. A year after th e glob al fin an ci al
crisis saw (1)/ stu den ts from th e
best B -sch ools across th e wor ld
st ru gglin g for a j ob, (2)/ a su r -
vey on m an agem en t edu cati on
th is year t h rown (3)/ u p som e
rath er in ter est in g fi n din gs. (4 )/
No err or (5)
172. Th e district au th orities are m ak -
in g (1)/ a last-di tch at tem pt to
provide (2)/ altern ative solu tion s
to far m er s b u t (3)/ th e op tion s
is clearly in adequ ate. (4)/ No er -
ror (5)
Di r ec t i o n s (1 7 3 -1 8 2 ) : Read
each sen t en ce t o fi n d ou t wh et h er
th ere is an y gram m ati cal er ror or id i-
om ati c error i n i t. Th e err or, if an y,
wi ll be in on e par t of t h e sen t en ce.
Th e n u m ber of th at part is th e an swer.
If th ere is n o err or, th e an swer is (5 ).
(Ign ore errors of pu n ctu ati on , if an y.)
(Un i t ed Ban k Of I n d i a PO
Ex am . 1 4. 1 1. 20 10 )
173. Th e celeb rat ion s con ti n u ed (1 )/
t h r ou gh t h e even i n g as m or e
(2 )/ an d m ore frien ds join s (3 )/
in th e fu n an d frolic.(4)/ No er -
ror (5)
174. Th e actr ess believes in (1)/ b e-
in g fit an d feels th at th ere (2 )/
ar e t oo m u ch h ype arou n d si ze
zero (3)/ i n th e en ter tain m en t
world . (4 )/ No error (5)
175. Wh i le th e act ress win s fan s with
(1 )/ h er on scr een fi rework s, off
scr een , i t ’s h er (2 )/ d ow n -t o-
ear th at t i tu d e an d easy-goi n g
m a n n er (3 )/ t h a t w i n s h er
fr ien ds. (4 )/ No error (5)
176. Even th ou gh th e exch an ge at-
t r act (1 )/ t h e at t en t i on of al l
th ose pr esen t at (2)/ th e p oli ce
stat ion , t h e in spector con ti n u ed
(3 )/ h is tir ade again st t h e gir l.
(4 )/ No error (5)
177. Th e m ark et con ti n u es to be pos-
itive (1)/ an d in th e n ext qu arter
we ex p ected (2)/ t h e t r en d t o
con tin u e wit h (3 )/ th e on set of
t h e fest i ve season .(4 )/ No er -
ror (5)
178. Th e In dian t eam can n ot wi n t h e
series (1)/ an d even pu l lin g off
a dr aw cou l d (2 )/ b e a t ou gh
p r op osi t i on wi t h (3 )/ i t s l ead
bowlers n ot pl ayin g. (4)/ No er -
ror (5)
-6-

179. W i t h t h i s i n i t i a t i v e, t h e
corporation (1)/ h opes to assu re
the pu blic that (2)/ it is confiden t
of p r ovid i n g good ser vi ce (3 )/
an d ren ewin g th eir faith with th e
pu blic t ran sport system . (4)/ No
er ror (5)
180. Th e gam es sch ed u led t o be h eld
i n t h e St at e (1 )/ h ave b een
p l u n ged i n t o cr i si s j u st t w o
m on th s p rior th e (2)/ op en i n g
cerem on y by allegat ion s of cor -
ru pti on , (3 )/ sh od dy wor k m an -
sh ip an d del ays in h an din g over
ven u es. (4)/ No error (5)
181. Th e sole idea b eh i n d (1)/ con -
du cti n g su ch p rogram m es (2 )/
i s t o c r eat e a w a r en ess (3 )/
am on g you n g m i n ds of ou r n a-
ti on . (4 )/ No error (5)
182. Th e reports prom pted th e ch air -
m an of (1 )/ th e organ i sin g com -
m i t t ee t o ad d r ess a h u r r i ed
pr ess con fer en ce (2)/ wh ere h e
repri m an d ed th e m edia (3)/ for
con du cti n g a “p rej u di ced cam -
paign .” (4)/ No error (5)
Di r ec t i o n s (1 8 3 –1 9 2 ) : Read
each sen t en ce t o fi n d ou t wh et h er
th ere is an y gram m ati cal er ror or id i-
om ati c error i n i t. Th e err or, if an y,
wi ll be in on e par t of t h e sen t en ce.
Th e n u m b er of th at part is th e an swer
. If t h ere is n o err or, th e an swer is
(5 ). (Ign or e errors of p u n ctu ation , if
any.)
(B a n k Of M ah a r ash t r a Ex am .
19 .1 2.2 01 0)
183. It is on l y n ow (1)/ six ty year s af-
ter in depen den ce, th at (2)/ In dia
is learnin g how to negotiatin g (3)/
th e com p eti n g d em an ds of pow-
er an d ju sti ce (4)/ . No error (5 ).
184. Th e gracefu l folk dan ce h ad per -
form ed (1)/ so beau t ifu lly by a
d an ce gr ou p t h at n ob od y (2)/
seem ed t o n ot i ce t h at (3 )/ t h e
sh ow was two-an d-a-h alf h ou rs
lon g! (4 )/ . No er ror (5 ).
185. Th e act or, t h at was (1 )/ b u sy
m eetin g an d greetin g people (2)/
m ade su re th at th i s d ay b ecam e
(3 )/ an extr a speci al on e for h is
paren ts (4)/ . No error (5 ).
186. Farm h ou se own er s i n t h e cit y,
(1)/ wh o were til l n ow paid p rop-
erty tax (2)/ for on ly th e bu il t-u p
ar ea of th e pl ot, wil l soon (3 )/
h ave to p ay tax to th e gover n -
m en t for vacan t lan d also (4)/ .
No er ror (5 ).
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
187. A tim e sh eet d iary is to be (1 )/
m ain tain ed b y every actor, sin ce
(2 )/ p rod u cers con st an t ly com -
p l ai n t h at t h ey ar e (3 )/ for ced
sh ooti n g for lat e h ou r s becau se
actors com e ver y late (4 )/ . No
er ror (5 ).
188. In jected in t o t h e blood, (1)/ ti n y
bu bbles of gas can ease (2 )/ t h e
passage of vital strok e dru gs in to
th e brain , (3)/ h elpin g in preven t
dam age to th e gr ey m at ter (4)/ .
No er ror (5 ).
189. Sin ce u niversities h ave more (1)/
sp ace on th eir cam pu ses, th ey
(2)/ h ave been ask ed to open fire
detection con trol room s (3)/ as a
m an dat ory m easu re (4 )/ . No er -
ror (5 ).
190. D i st r i ct p ol i ce ar r est ed (1 )/ a
gan g of n otoriou s rob bers (2 )/
wh o were plan n i n g to stri k e at
(3 )/ a h ou se in th e vi cin i ty (4)/ .
No er ror (5 ).
191. Hou seh olds across th e State are
eith er opting for (1)/ a m ore m od-
est l ifestyle or com p rom isi n g on
(2)/ th e n u trition al valu e of t h eir
food in efforts to n egate (3 )/ t h e
pr ice ri se of essen ti al com m od i-
t i es, cer eal s, veget ab l es an d
fr u it s (4)/ . No error (5 ).
192. Th e fire t h at gu t ted (1)/ years for
research in th e ch em istry an d
bioch emistry labs (2)/ of th e Un i-
versit y b u il din g was (3)/ d u e to
a sh ort cir cu i t (4 )/ . No er ror (5 ).
Di r ec t i o n s (1 9 3 –2 0 2 ) : Read
each sen t en ce t o fi n d ou t wh et h er
th ere is an y gr am m atical err or i n i t.
Th e error if an y will be in on e part of
th e sen ten ce, t h e n u m b er of th at part
wi ll be th e an swer. If t h er e i s n o er -
ror, m ar k (5 ) as t h e an swer. (Ign ore
er rors of pu n ctu ati on , if an y).
(Or i en t al Ban k Of Com m er ce PO
Ex am . 26 .12 .20 10 (I st Si t t i n g)
193. Th e ri gh t to adequ ate food (1 )/
an d cl ean d r in k in g wat er (2)/
sh ou ld be regard ed as a (3)/ ba-
si c r igh t of al l ci tizen of In di a.
(4 )/ No error (5)
194. A sh arp fall in (1)/ i n ter n ation al
pr ices of t ea (2)/ h ave lead Tea
pl an tation wor k ers (3)/ in Ker a-
la to face star vati on . (4 )/ No er -
ror. (5)
195. In spit e freedom of th e press is
vi tal to dem ocr acy, (1)/ th e th in
lin e between reportin g facts (2)/
an d expressing opinion s on them
COMMON ERRORS
(3 )/ i s b ei n g i n c r ea s i n gl y
cr ossed. (4 )/ No error (5)
196. In In dia, th e t each er h as been
elevated (1)/ to a position of pow-
er (2 )/ an d a part of th at power
h as b een (3 )/ t o assu m in g t h e
righ t to pu n ish the stu den ts. (4)/
No err or (5)
197. In th e fl yin g gam e, th ere are a
h ost of (1)/ n ew low-cost airlin es
th at dare to roar, (2 )/ p rovidi n g
a gli m m er of h ope of (3)/ m ore
cheaper air tran sport to millions.
(4 )/ No error (5)
198. A qu estion worth to ask is th at
(1 )/ w h et h er t h e N a t i o n a l
Awards r epresen t (2)/ Pan -In di-
an ci n em a or (3 )/ is th e focu s
on m ain st ream film s on ly. (4 )/
No err or (5)
199. In dian every sin gle (1 )/ expec-
tation fr om its cr ick et t eam (2 )/
invariably oscillates between (3)/
a cyn ical pessi m ism an d an u n -
ju st ified optim ism . (4)/ No error
(5))
200. Th e road wid en in g exer cise (1 )/
wh o aims to mak e National High -
way a fou r -lan e h i gh way, (2)/
poses a t h reat to t h e (3)/ fr agi le
en vir on m en t of th e Hi m al ayas.
(4 )/ No error (5)
201. In the aftermath of th e Asian tsu -
n am i, (1)/ t h e sporti n g com m u -
n i ty h ave r esp on ded (2)/ swift ly
to con tr ibu te in wh at ever way it
cou ld , (3 )/ both fin an ci all y an d
qu alit ati vely. (4)/ No err or (5)
202. Seen as an i n dicator of th e m a-
tu rit y (1)/ of ou t sou rci n g bu si-
n ess i n In d ia, (2 )/ th e In d ian
ou tsou rci n g m ar k et is (3)/ ex-
pected to gr owth to el even bi l-
li on doll ar by th i s year. (4 )/ No
er ror (5)
Di r ec t i o n s (2 0 3 –2 1 2 ) : Read
each sen t en ce t o fi n d ou t wh et h er
th ere is an y gram m ati cal er ror or id i-
om ati c error i n i t. Th e err or, if an y,
wi ll be in on e par t of t h e sen t en ce.
Th e n u m ber of th at part is th e an swer.
If th ere is n o err or, th e an swer is (5 ).
(Ign ore errors of pu n ctu ati on , if an y.)
(I n di an Ban k PO Ex am . 02. 01. 201 1)
203. Dr ess in bl ack (1)/ several st u -
den ts from t h e Un i ver sity took
part (2)/ in a p rot est m ar ch in
th e city on Th u rsday as part (3)/
of a cam paign again st fem ale in -
fan ti cid e. (4)/ No er ror (5 ).
-7-

204. On th e secon d d ay of th e wor k -
sh op, (1)/ participants does a sit-
u ation al an alysis of th e state (2)/
an d spok e abou t th eir pl an of
acti on (3)/ for im plem en tin g th e
Act. (4)/ No er ror (5 ).
205. Th e cou rt h as ask ed th e au th or -
i t i es (1 )/ t o t ak e ap p r op r i at e
steps to restore n atu ral water re-
sou rces (2)/ so th at t h e prob-
lem of water sh ortage (3)/ in t h e
st ate can b e solved. (4)/ No er -
ror (5 ).
206. Th e p oor ex p er i en ce i n (1 )/
n ei gh bou r in g cou n tr i es wh ich
h ave i m p l em en t ed (2 )/ food
stam p program m es sh ou ld serve
as (3 )/ a d eterren t on ou r cou n -
tr y. (4)/ No er ror (5 ).
207. Th e govern men t h as warn ed (1)/
th at air pollu tion fr om veh icl es
an d power station s (2)/ is redu c-
in g l ife ex pectan cy i n t h e cou n -
t r y (3 )/ i n an aver age of si x
m on th s. (4)/ No er ror (5 ).
208. Closing th e doors to a foreign cit-
izen (1)/ seek in g em ploym en t in
In dia, th e H igh Cou rt on Th u r s-
day ru led (2)/ th at it is n ot a for -
ei gn n a t i on al ’s fu n d am en t al
ri gh t, (3 )/ t o get an em pl oym en t
vi sa in th e cou n tr y. (4)/ No er -
ror (5 ).
209. Th e H i gh Cou r t on Th u r sd ay
ban n ed (1)/ plyi n g of diesel-ru n
vehicles (2)/ in clu din g safari can-
tors in th e ti ger san ctu ary (3 )/
wi th i m m edi at e effect. (4)/ No
er ror (5 ).
210. A n ew stu dy h as sh own th at k ids
(1 )/ wh o h ave a h i gh body m ass
in dex are (2 )/ m ore li k elier to
h ave h igh bl ood pr essu re, ch o-
lesterol an d bl ood in su li n l evels
(3 )/ by th e ti m e t h ey reach ad o-
lescen ce. (4)/ No er ror (5 ).
211. For m u ch of the developin g world
(1)/ h istorically, en viron m en tal-
ism was seen as a lu x u ry (2 )/
rath er th an a n ecessit y becau se
(3)/ always th e develop m en t im -
perat ives was seen to be u r gen t.
(4 )/ No error (5 ).
212. Th e con su m er Foru m d irect ed
t h e Power Corp orat ion t o (1)/
com pen sate a com pl ain an t for
th e in con ven ien ce (2)/ an d m en -
tal agon y wh o h e h ad t o su ffer,
(3 )/ b ecau se of th e power offi-
cials’irrespon sible attitu de. (4)/
No er ror (5 ).
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Di r ec t i o n s (2 1 3 –2 2 2 ) : Read
each sen t en ce t o fi n d ou t wh et h er
th ere is an y gram m ati cal er ror or id i-
om ati c error i n i t. Th e err or, if an y,
wi ll be in on e par t of t h e sen t en ce.
Th e n u m ber of th at part is th e an swer.
If th ere is n o err or, th e an swer is (5 ).
(Ign ore errors of pu n ctu ati on , if an y).
(Un i on Ban k Of I n d i a PO
Ex am . 0 9. 01. 200 1)
213. Th e d en se fog on Frid ay m or n -
in g (1)/ forced the Airport Au thor -
it y of In dia to di ver t (2 )/ eigh t
fligh ts, inclu des two internation -
al fl igh t s, (3)/ ou t of t h e In ter -
n ation al Airport (4)/ No error (5).
214. T h e c i v i c a u t h o r i t i es h a d
scrapp ed th e trade licen se (1 )/
of a wel l k n own restau ran t aft er
in vestigation p roved t h at (2)/ it
h ad ch op ped down a fu ll grown
tree sim ple b ecau se (3)/ th e tree
was b lock in g th e view of th e res-
tau ran t. (4)/ No error (5 ).
215. In vestigatin g officers h ave fou n d
(1 )/ a lot of gaps bet ween (2 )/
th e i n for m at ion th ey gath er on
th eir own (3 )/ an d th e versi on
of even t s n ar r at ed b y t h e ac-
cu sed . (4)/ No er ror (5 ).
216. Th e m in i ster t old rep ort ers th at
(1)/ alth ou gh reservation s for th e
back ward classes al ready exist-
ed (2 )/ based on soci al asp ect s,
th ere was n o qu ota for th em (3)/
based on political back wardn ess.
(4 )/ No error (5 ).
217. T h e d ea t h o f t h e m a n h a s
brou gh t (1)/ to th e fore the pligh t
of th ou san d s of m i gran t s (2)/
lan gu ish i n g beh in d bars i n In -
di a after (3 )/ b ein g appreh en d-
ed in th e border. (4)/ No error (5).
218. On ly r ecen tl y (1 )/ did th e m an -
ager real ized t h at th e (2 )/ i n for -
m ation pr ovi ded to h i m (3 )/ by
h is em pl oyees was fabr i cat ed .
(4 )/ No error (5 ).
219. Th e h igh cou rt on Friday refu sed
to (1)/ gran t bail to the su spen d-
ed IPS officer, wh o h as been (2)/
in jai l sin ce May th is year (3)/ in
con n ection of t h e fak e en cou n -
ter case. (4)/ No er ror (5 ).
220. Th e i n d om i t ab l e In d i an t eam
di sh ed ou t (1)/ a bri lli an t per -
formance right from th e start (2)/
as t h ey ou t wi tt ed t h ei r op p o-
n en ts (3)/ t o tak e a con vi n ci n g
lead. (4)/ No error (5 ).
221. San it ati on does n ot on ly m ean
(1)/ u sin g toilets; it also in clu des
COMMON ERRORS
effi ci en t sol i d w ast e m an age-
m en t, (2 )/ u n dergr ou n d d rai n -
age n etwork , an d (3)/ k eepi n g
ou r citi es an d town s clean . (4 )/
No er ror (5 ).
222. Th e case was (1 )/ p ar t i cu l ar l y
challen ging as the assailan ts (2)/
h ad fled to an u n k n own d est i-
n ation (3 )/ leavin g u p ver y few
cl u es. (4)/ No er ror (5 ).
Di r ec t i o n s (2 2 3 –2 3 2 ) : Read
each sen t en ce t o fi n d ou t wh et h er
th ere is an y gram m ati cal er ror or id i-
om ati c error i n i t. Th e err or, if an y,
wi ll be in on e par t of t h e sen t en ce.
Th e n u m ber of th at part is th e an swer.
If th ere is n o err or, th e an swer is (5 ).
(Ign ore errors of pu n ctu ati on , if an y).
(Cor p or at i on Ban k PO Ex am .
16 .0 1.2 01 1)
223. Th e Pr esid en t h as den i ed (1)/
th at th e econ om y is in r ecession
(2 )/ or was go in t o on e (3)/ d e-
sp i t e a sp at e of d own cast r e-
ports. (4)/ No er ror (5 ).
224. Th e an gr y at b ein g (1 )/ left ou t
of th e b on an za (2)/ is pal pab le
am on g (3)/ em ployees of th e or -
gan isation . (4)/ No error (5 ).
225. Hi s com m en ts cam e after (1 )/
th e r esearch grou p said th at i ts
(2 )/ con su m er con fid en ce in d ex
were (3)/ sl u m ped t o i ts l owest
level . (4)/ No er ror (5 ).
226. If al l goes wel l, (1)/ th e exam i-
n ation sch edu led for n ext m on th
(2 )/ is all set to be com pl etely
fr ee (3 )/ fr om an n oyin g p ower
cu t s an d d i sru p ti on s. (4 )/ No
er ror (5 ).
227. Th ere are ju st too few train s (1)/
for th e ever -gr ow (2 )/ n u m b er
of p assen ger s (3 )/ i n th e ci ty.
(4 )/ No error (5 ).
228. Th e b u zz at th e party was (1 )/
th at a fam ou s (2 )/ fil m star an d
politi cian , (3)/ wou ld probab le
dr op by for a wh il e. (4)/ No er -
ror (5 ).
229. Th e Opposit ion disru p ted pr o-
ceedin gs (1)/ in both Hou ses of
Parli am en t (2)/ for t h e secon d
con secu ti ve day (3 )/ above t h e
pl igh t of farm ers in th e cou n tr y.
(4 )/ No error (5 ).
230. In respon se to t h e growin g cr i-
si s, (1)/ t h e agen cy is u rgen t ly
ask in g for (2)/ m ore con t rib u -
t i on s, to m ak e u p for (3 )/ i t s
sh arp declin e in pu rch asing pow-
er. (4)/ No er ror (5 ).
-8-

231. Th e t en n i s p layer easy th rou gh
(1 )/ t h e open in g set b efor e h er
oppon en t, (2)/ rallied t o tak e th e
fi n al two sets (3)/ for th e bi ggest
vi ctory of h er you n g career. (4 )/
No er ror (5 ).
232. Aggression in som e teen age boys
(1 )/ m ay b e l in k age to overly (2 )/
large glan ds in th eir brain s, (3 )/
a n ew stu dy h as fou n d . (4 )/ No
er ror (5 ).
Di r ec t i o n s (2 3 3 –2 4 2 ) : Read
each senten ce to fin d ou t wh ether th ere
is an y gr am m ati cal err or or idiom at ic
er ror in it. Th e error, if an y, wi ll be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is n o
er ror, th e an swer is (5). (Ign ore errors
of pu n ctu ati on , if an y).
(Pun j ab & Si n d Ban k PO
Ex am . 2 3. 0 1. 20 11 )
233. Despi te t h e m er ger, (1)/ th e ai r -
li n e h as repor ted (2 )/ sizeab le
losses an d is u n ab le (3)/ t o p ay
th eir employees. (4)/ No error (5).
234. We h ave r ecen tly began (1)/ t h e
pr ocess of r ecr u it in g (2)/ i n su r -
an ce agen ts for (3)/ ou r Nort h -
Eastern bran ches.(4)/ No error (5).
235. Th e com pan y’s decision to issu e
(1 )/ b on u s sh ares clearly in d i-
cates (2)/ th e m anagem ent’s con -
fi den t (3 )/ abou t t h e fu t u re. (4 )/
No er ror (5 ).
236. In sp i t e t h at or gan i sati on s ar e
aware (1)/ of th e i m portan ce of
IT (2 )/ t h ey often do n ot k n ow
(3 )/ h ow to dep loy it effecti vel y.
(4 )/ No error (5 ).
237. Keepin g in min d th at In dia (1)/ is
on e of t h e wor ld ’s fast est (2)/
gr owi n g econ om i es m an y i n ter -
n ation al (3)/ com pan ies ar e i n -
vested i n In di a. (4)/ No er ror (5 ).
238. Althou gh interlink ing of rivers will
(1)/ help tack le drou gh t, the gov-
er n m en t (2)/ h as n ot paid m u ch
(3)/ atten tion to th is project. (4)/
No er ror (5 ).
239. Th e ri se in prices of food it em s is
(1 )/ lik ely th e cau se of in fl ati on
(2 )/ to exceed eigh t percen t (3 )/
du rin g t h e n ex t qu art er. (4 )/ No
er ror (5 ).
240. Man y people believe th at (1)/ th e
n ation al isation of ban k s in (2 )/
th e 1 960s h ave protected In d ia
(3 )/ from th e cu rren t fin an ci al
cr isi s. (4)/ No er ror (5 ).
241. RBI i s in favou r (1)/ of am en din g
cu r ren t ly (2 )/ polici es govern in g
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
op eration s of (3)/ forei gn ban k s
in In dia. (4)/ No er ror (5 ).
242. Th ese recen tl y u p graded bran ch
offices (1)/ h ave been fu lly com -
pu teri sed (2 )/ an d are con n ect-
ed to h eadqu art ers (3 )/ t o en -
su re p rop er m on i tor in g. (4 )/ No
er ror (5 ).
Di r ec t i o n s (2 4 3 -2 5 2 ) : Read
each senten ce to fin d ou t wh ether th ere
is an y gram m ati cal er ror in it. Th e er -
ror i f an y, wi ll be i n on e par t of t h e
sen ten ce. Th e n u m b er of th at part is
th e an swer. If th er e i s n o error, t h e
an swer is (5 ) i .e. “No Er ror ” (Ign ore
er rors of pu n ctu ati on , if an y.)
(UCO Ban k PO Ex am . 30. 01. 201 1)
243. Wi th n o govern m en tal con tr ol
(1 )/ an d least regard for th e en -
viron m en t, (2)/ t h e p r i vat e
waste processin g i n du stry (3 )/
poses a t h reat to pu blic safety in
In dia. (4)/ No Err or (5 ).
2 4 4 . A radi cal en viron m en talist (1 )/
st or m ed i n t o t h e D i sc over y
Ch ann el’s (2)/ headqu arters with
ex plosives (3)/ st rap ped for h is
body. (4 )/ No Error (5)
245. Man y of th e tod ay’s em pl oyees
(1 )/ are su fferi n g from (2 )/ an
em otional recession becau se (3)/
th ey h ave n ot fou n d su ffi cien t
m ean i n g in th eir work lives. (4)/
No Err or (5)
246. Peo p l e w h o s e p er f o r m a n c e
peak s in th e m orn i n g (1)/ are
better posit ion for career su c-
cess, (2)/ becau se th ey ar e m ore
pr oactive (3 )/ th an p eopl e wh o
ar e at th eir best in th e even in g.
(4 )/ No Error (5)
247. Asian u sers are (1 )/ m ost en -
gaged wit h (2)/ th e social web
th an (3)/ u sers in th e west. (4 )/
No Err or (5)
248. Th e econ om ic str u ct u re of ru r al
ar eas (1)/ i s su ch th at ch il dren ,
especially girls, (2)/ are requ ired
to h elp in th e h ou seh old work
(3 )/ an d p er fo r m al so t h ei r
ch ores. (4 )/ No Error (5)
249. D espi t e of m ater n al m or t al it y
rat es (1)/ sh owin g declin e in In -
di a, (2)/ t h ou san ds of wom en
ar e d yin g every year (3)/ d u e to
lack of access to basic h ealth care
facil iti es. (4)/ No Error (5)
250. Most of t h e problem s th at (1 )/
beset work in g wom en (2)/ are in
reali ty r oot ed in (3)/ th e soci al
perspective of th eir position . (4)/
No Err or (5)
COMMON ERRORS
251. Even after so m u ch years of i n -
depen den ce, (1)/ wom en i n In -
di a con ti n u e to su ffer (2)/ so-
cially as well as econ om ically (3)/
at di ffer en t levels an d i n di ffer -
en t form s. (4)/ No Error (5)
252. Wh ile a select few h ave (1)/ stan -
dards of livin g com par ably (2 )/
to th e ri ch est in th e wor ld, (3 )/
th e m ajor ity of th e p opu l ati on
fail s to get even two m eals a day.
(4 )/ No Error (5)
Di r ec t i o n s (2 5 3 –2 6 2 ) : Read
each senten ce to fin d ou t wh ether th ere
is an y gr am m ati cal err or or idiom at ic
er ror in it. Th e error, if an y, wi ll be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is n o
er ror, th e an swer is (5). (Ign ore errors
of pu n ctu ati on , if an y).
(Ban k Of Bar oda PO Ex am .
13 .0 3.2 01 1)
253. Th e ban e of In dian h ock ey today
is (1)/ lack of in terest b y th e
part of th e pu blic (2 )/ wh i ch in
tu r n is fu el led b y th e per cept ion
th at (3)/ it doesn ’t pay to tak e u p
th e sport as a car eer. (4)/ No
er ror (5 ).
254. Il legal san d m i n in g h as b ecom e
(1)/ a boom bu sin ess fu elled (2)/
by th e ever -in creasin g d em an d
(3 )/ of t h e con stru cti on i n du s-
tr y. (4)/ No er ror (5 ).
255. Mu ch is th e in flow of tr avellers
that (1)/ it is tou gh to book an air
tick et (2)/ to Ah medabad an d th e
in ter n ati on al fligh ts (3)/ too are
al m ost over -book ed. (4 )/ No er -
ror (5). )
256. Ex per ts b eli eve th at a (1 )/ grad-
u ally decreasin g in fan t m ortality
rate (2)/ is lead t o a pr opor tion -
at e (3)/ decrease in th e si ze of
ou r b rai n s. (4)/ No error (5 ).
257. In ju st t wo m on t h s aft er h avi n g
(1 )/ p lan ted th ese, m ost of t h e
pl an t s h ave (2 )/ eith er dri ed u p
an d are su fferin g (3)/ du e to lack
of m ain ten ance. (4)/ No error (5).
258. In cities people don ’t (1)/ always
h ave th e tim e t o (2)/ cat ch u p
wi th old fri en d s or (3)/ spen d
ti m es wi th th eir fam i ly. (4 )/ No
er ror (5 ).
259. Th e b an d h ave been (1)/ per -
form in g at m an y cau se-orien ted
con cer ts (2)/ to en cou rage peo-
ple to com e forward an d (3)/ len d
th eir su pport to th e n oble cau se.
(4 )/ No error (5 ).
-9-

260. As m ar k et leader s, (1)/ we h ave
always been at (2 )/ t h e forefr on t
of cr eati n g awaren ess (3)/ b e-
t ween t h e pu b li c. (4 )/ No er -
ror (5 ).
261. If th e IPL has su cceeded in draw-
in g (1 )/ an au di en ce across t h e
cou n t ry, it i s becau se (2)/ crick -
et h as always h ad a stron g fou n -
dation (3 )/ an d a d edi cated au -
di en ce. (4)/ No er ror (5 ).
262. In vi ew of th e in t en se cold wave
con diti on s (1)/ prevail in g in t h e
state, th e govern ment is declared
(2 )/ h ol idays in all th e sch ools
(3 )/ for a per iod of ten days. (4 )/
No er ror (5 ).
Di r ec t i o n s (2 6 3 –2 7 2 ) : Read
each senten ce to fin d ou t wh ether th ere
is an y gr am m ati cal err or or idiom at ic
er ror in it. Th e error, if an y, wi ll be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is n o
er ror, th e an swer is (5)· (Ign ore errors
of pu n ctu ati on , if an y).
(Al l ah abad Ban k PO Ex am . 17. 04. 201 1)
263. Th e b iggest (1)/ h eal th b u rd en
th at In dia (2)/ is set to face in th e
com in g year s (3)/ is tack le can -
cer. (4)/ No error (5)
264. Illegal sand m in in g in th e periph -
eral areas (1)/ of th e dist rict con -
ti n u es to rem ai n a bi g pr obl em
for (2)/ for est ran ge officers as
yet an oth er in stan ce illegal (3 )/
m i n in g was reported yesterday.
(4 )/ No error (5)
265. Th e policem en , wh o (1 )/ was d e-
pl oyed h eavily (2)/ i n t h e area,
di d n oth in g to (3)/ d issu ad e t h e
pr otesters. (4)/ No error (5)
266. Festivals are prim e occasions (1)/
for spl u rgin g on pr esen t s an d
owin g to im proved econ om ic sit-
u ation , (2)/ t h e you t h s is gu n g-
h o (3 )/ abou t b reak in g al l p revi-
ou s r ecords. (4 )/ No err or (5)
267. It is im portan t t o recru it p erson -
n el at (1)/ di ffer en t level s i n t h e
or gan izat ion so th at (2)/ th e en -
su i n g h u m ar r esou r ce gap i s
br idged (3)/ at least for t h e cri t-
ical oper ati on s. (4 )/ No error (5)
268. Ban k s are on th e verge (1 )/ of
facin g a formidable ch allen ge (2)/
of losin g over fifty per cen t of (3 )/
t h ei r em p l oyees d u e t o r et i re-
m en t. (4 )/ No error (5)
269. Not on ly h as th e com m erce m i n -
i st ry fix ed (1 )/ ext r aord in ar il y
h i gh m in im u m pr ices for on i on
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
exports (2)/ bu t also m ade licenc-
es m an dator y (3)/ for every con -
si gn m en t. (4 )/ No error (5)
270. A n ew st u d y fou n d th at wh i le
weigh t l oss (1 )/ via su r ger y m ay
im prove k n ee pai n , in obese p a-
ti en ts (2 )/ th er e m ay be p erm a-
nent damage to the k nee (3)/ from
bein g sever e overweigh t. (4 )/ No
er ror (5)
271. In ord er to stream l in e (1)/ t h e
m ovem en t of veh icles du rin g (2)/
th e festi val, t raffi c pol ice h ave
(3)/ ch alk ed ou t diversion plan s.
(4 )/ No error (5)
272. With a view to avoid an other caste
con fli ct, (1)/ th e adm i n ist rati on
h as d eployed ad dit ion al p oli ce
force (2 )/ on th e vil lage, wh i le
t h e ad m i n i st r at i on as wel l as
police official s (1 )/ are m on itor -
in g t h e sit u at ion . (4 )/ No err or
(5)
Di r ec t i o n s (2 7 3 -2 8 2 ) : Read
each senten ce to fin d ou t wh ether th ere
is an y gr am m ati cal err or or idiom at ic
er ror in it. Th e error, if an y, wi ll be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is
‘No error’, th e an swer i s (5). (Ign ore
er rors of pu n ctu ati on , if an y).
(I n di an Ov er seas Ban k PO
Ex am . 2 2. 0 5. 20 11 )
273. Th e actor, wh o plays
(1 )/ a detective i n t h e film , al-
leged to h ave pu sh ed t h e d irec-
tor (2)/ wh en h e ask ed h i m to get
in to h is costu m e (3 )/ as i t was
getti n g l ate.(4 )/ No error (5)
274. Man ish was advised an oper a-
ti on (1)/ m ore th an t h ir ty years
back , bu t (2)/ du e to h i s fin an -
ci al con dit ion h e (3)/ cou l d n ot
u ndergoes th e procedu re. (4)/ No
er ror (5)
275. In dia’s l argest cor por ate h ou se
m ay be (1 )/ force t o r eview t h e
select ion param eter s after (2 )/
st ru gglin g t o sh or tli st p oten ti al
can did ates (3)/ for th e past eigh t
m on th s, (4)/ No error (5)
276. Th is qu estion s force u s (1 )/ to
face the u npleasan t tru th that (2)/
th e policies of soci al ju stice h ave
(3 )/ reach ed a dead en d. (4 )/ No
er ror (5)
277. Man y of th e you n g people (1 )/
stu dyi n g abroad agreed th at (2)/
retu r n in g h om e was al ways (3 )/
an at tractive opti on . (4)/ No er -
ror (5)
COMMON ERRORS
2 7 8 . Th e govern m en t n eeds to provide
(1)/ specific regu lation s th at cre-
at e an en vi ron m en t (2 )/ wh ere
tr ain ed sci en t ific person n el en -
joyed space an d freedom (3 )/ to
design n ew p rod u ct s b en efiti n g
society. (4 )/ No error (5)
279. Th ou gh th e book i s n ot yet avail-
able on In dia, (1 )/ previews pu b-
lish ed in th is cou n try su ggest (2)/
th at it i s a com plex stu d y of (3 )/
an ex trem ely com pl ex person al-
it y. (4)/ No error (5)
280. Con ven t i on al l y sp eak i n g, (1 )/
m en are su pp osed t o earn wh i le
(2 )/ wom en are su p posed t o sit
at h om e, (3)/ d o h ou sewor k an d
di sci pli n e th e ch i ldr en . (4 )/ No
er ror (5)
281. Th e movem ent, wh ich aim s to (1)/
raise awaren ess abou t cli m ate
chan ge hopes (2)/ to bring people
togeth er to th ink abou t (3)/ wh at
th ey can do for redu ce h arm fu l
pollu tion . (4)/ No error (5)
282. Work ers bat tli n g t o r est ore (1 )/
p ower su pp l y t o t h e d am aged
react ors (2 )/ h ave su ccessfu l in
(3 )/ reach i n g u p t o th e secon d
react or. (4 )/ No error (5)
Di rect i on (2 83 -2 97 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m atical err or or idiom atic er -
ror in it. Th e error, if an y, will be in on e
part of th e sen ten ce. Th e n u m b er of
th at part is th e an swer. If th ere i s ‘No
er ror ’, th e an swer is (5 ). (Ign or e errors
of pu n ctu ati on , if an y).
(I BPS Sp eci al i st Of f i cer CWE
11 .0 3.2 01 2)
283. Th e th ird season of (1)/ th e pop-
u lar television show will ends (3)/
on a gran d n ot e wi th (3)/ celeb-
ri ties dan ci n g an d h avin g fu n .
(4 )/ No error (5)
284. Th e website, wh ich does n ot (1)/
accep t ad ver t i sem en t s an d i s
fu n ded (2)/ en tirely by donations,
descr ibes it sel f (3 )/ as th e fifth
m ost p op u l ar web si t e on t h e
pl an et. (4)/ No er ror (5 ).
285. As sh arin g crim e st ati stics for
(1)/ th e year 2011, th e Com m is-
si on er ad m it ted th at (2)/ th ere
h ad been an u n du e delay in (3)/
th e set tin g u p of an an ti-n arcot-
ics cell . (4)/ No er ror (5 ).
286. Th e M oon m ay be th e b est place
(1 )/ to look for alien s as th eir
(2 )/ footpr in t s on th eir su rface
wou ld (3)/ l ast far lon ger th an
radio si gn als. (4)/ No error (5)
-10-

287. Th e j u dge advised th e gover n -
m en t to (1)/ h ave m et ered au -
t or i ck sh aw s acr oss t h e st at e
wh ile (2)/ r ecou n t in g h is per -
son al ex per ien ce wh er e an au -
torick sh aw driver (3)/ m ade h im
t o w ai t an d al so d em an d ed
10 0. (4)/ No er ror (5 ).
288. Th e Com pan y aim s (1)/ to n ear -
ly dou ble (2 )/ its reven u es on
th e back (3)/ of a stron gest prod-
u ct pi pel in e. (4 )/ No error (5)
289. Th e wom an t h at h ad (1)/ k i d-
n apped a ch ild has now (2)/ been
ap preh en ded an d is bein g (3 )/
held in th e city’s jail. (4)/ No error
(5)
290. Rose growers in (1 )/ th e cit y are
wak in g u p (2 )/ to th e ben efi ts
(3 )/ of coll ect ive act ion . (4 )/ No
er ror (5)
291. Th e M i n i st er wi l l h ave (1 )/ a
tou gh task on h i s h an d s (2 )/
where th ree differen t recom m en -
dation s (3)/ for t h is year’s rate
reach h is desk . (4 )/ No error (5)
292. Th e cu rr en t econ om ic scen ar io
(1)/ cou ld possibly u ndo (2)/ th e
gr owt h t h at fol l owed (3 )/ t h e
econ om ic liberalisation of 1991.
(4 )/ No error (5)
293. In a first of i ts k in d st u dy, (1 )/
a t eam of scien ti sts h ave tried to
(2)/ “grow”n ew stem cells in (3)/
th e ear th at get dam age with age.
(4 )/ No error (5)
294. If su ccessfu l, th e resear ch cou ld
(1 )/ pave th e way towards (2 )/
the preven tion in u ntim ely deaths
(3 )/ du e to fat al ill n esses. (4 )/
No err or (5)
295. Th e Min istry h as directed Ban k s
(1 )/ t o d o away wit h t h eir (2 )/
separ ate prom ot ion polici es, a
m ove (3)/ stron gly op posed by
th e officers’u n ion s. (4)/ No er -
ror (5)
296. After a com p lai n t was fil ed, (1 )/
police team s was gi ven th e ph o-
tograph (2)/ of th e accu sed from
th e CCTV footage (3)/ record ed
at th e h otel . (4 )/ No error (5)
297.Acti vists opposin g th e r ail project
sai d (1)/ th at th e eleven n ew fly-
overs to be bu ilt (2)/ wou ld prac-
ti cal ly r in g (3 )/ th e death k n ell
for th e city. (4 )/ No error (5)
Di rect i on (2 9 8 -31 2 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m atical err or or idiom atic er -
ror in it. Th e error, if an y, will be in on e
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
part of th e sen ten ce. Th e n u m b er of
th at part is th e an swer. If th ere i s ‘No
er ror ’, th e an swer is (5 ). (Ign or e errors
of pu n ctu ati on , if an y).
(I BPS Sp eci al i st Of f i c e CWE
Ex am . 1 1. 0 3. 20 12 )
298. Th e th ird season of (1)/ th e pop-
u lar television show will ends (3)/
on a gran d n ot e wi th (3)/ celeb-
ri ties dan ci n g an d h avin g fu n .
(4 )/ No error (5)
299. Th e website, wh ich does n ot (1)/
accep t ad ver t i sem en t s an d i s
fu n ded (2)/ en tirely by donations,
descr ibes it sel f (3 )/ as th e fifth
m ost p op u l ar web si t e on t h e
pl an et. (4)/ No error (5)
300. As sh arin g crim e st ati stics for
(1)/ th e year 2011, th e Com m is-
si on er ad m it ted th at (2)/ th ere
h ad been an u n du e delay in (3)/
th e set tin g u p of an an ti-n arcot-
ics cell. (4 )/ No error (5)
301. Th e M oon m ay be th e b est place
(1 )/ to look for alien s as th eir
(2 )/ footpr in t s on th eir su rface
wou ld (3)/ l ast far lon ger th an
radio si gn als. (4)/ No error (5)
302. Th e j u dge advised th e gover n -
m en t to (1)/ h ave m et ered au -
t or i ck sh aw s acr oss t h e st at e
wh ile (2)/ r ecou n t in g h is per -
son al ex per ien ce wh er e an au -
torick sh aw driver (3)/ m ade h im
t o w ai t an d al so d em an d ed
10 0. (4)/ No error (5)
303. Th e Com pan y aim s (1)/ to n ear -
ly dou ble (2 )/ its reven u es on
th e back (3)/ of a stron gest prod-
u ct pi pel in e. (4 )/ No error (5)
304. Th e wom an t h at h ad (1)/ k i d-
n apped a ch ild has now (2)/ been
ap preh en ded an d is bein g (3 )/
held in th e city’s jail. (4)/ No error
(5)
305. Rose growers in (1 )/ th e cit y are
wak in g u p (2 )/ to th e ben efi ts
(3 )/ of coll ect ive act ion . (4 )/ No
er ror (5)
306. Th e M i n i st er wi l l h ave (1 )/ a
tou gh task on h i s h an d s (2 )/
where th ree differen t recom m en -
dation s (3)/ for t h is year’s rate
reach h is desk . (4 )/ No error (5)
307. Th e cu rr en t econ om ic scen ar io
(1)/ cou ld possibly u ndo (2)/ th e
gr owt h t h at fol l owed (3 )/ t h e
econ om ic liberalisation of 1991.
(4 )/ No error (5)
308. In a first of i ts k in d st u dy, (1 )/
a t eam of scien ti sts h ave tried to
COMMON ERRORS
(2)/ “grow”n ew stem cells in (3)/
th e ear th at get dam age with age.
(4 )/ No error (5)
309. If su ccessfu l, th e resear ch cou ld
(1 )/ pave th e way towards (2 )/
the preven tion in u ntim ely deaths
(3 )/ du e to fat al ill n esses. (4 )/
No err or (5)
310. Th e Min istry h as directed Ban k s
(1 )/ t o d o away wit h t h eir (2 )/
separ ate prom ot ion polici es, a
m ove (3)/ stron gly op posed by
th e officers’u n ion s. (4)/ No er -
ror (5)
311. After a com p lai n t was fil ed, (1 )/
police team s was gi ven th e ph o-
tograph (2)/ of th e accu sed from
th e CCTV footage (3)/ record ed
at th e h otel . (4 )/ No error (5)
312. Activists opposing the rail project
sai d (1)/ th at th e eleven n ew fly-
overs to be bu ilt (2)/ wou ld prac-
ti cal ly r in g (3 )/ th e death k n ell
for th e city. (4 )/ No error (5)
Di rect i on s (3 1 3-3 2 2 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m ati cal er ror in it . Th e error,
if an y, will be in on e p art of th e sen -
ten ce. Th e n u m b er of t h at part i s t h e
an swer. If t h er e i s ‘No err or’, th e an -
swer is (5). (Ign ore t h e err ors of pu n c-
tu ation , i f an y)
(I BPS RRBs Of f i ce Assi st an t CWE
Ex am . 0 9. 0 9. 20 12 )
313. People wh o play (1)/ th ei r rad ios
too (2)/ lou d h ave n o (3)/ consid-
er ati on s for ot h ers. (4)/ No err or
(5)
314. Th e n ovel h as n eit h er (1)/ an i n -
terestin g (2 )/ plot, n or an y (3 )/
i n t er est i n g ch ar act er. (4 )/ No
er ror (5)
315. If you were gi ven a (1)/ ch an ce to
li ve in (2)/ som e oth er cou n tr y,
wh ich (3 )/ on e wou ld you h ave
ch osen ? (4 )/ No error (5)
316. Havin g li ved to (1)/ Pari s for t wo
(2)/ years, Prak ash u n derstan ds
(3 )/ Fren ch reason abl y well .(4 )/
No er ror (5)
317. Reem a decided n ot t o (1)/ wat ch
th e m ovie becau se (2)/ sh e h ad
to stu dy for th e (3)/ qu iz to be
h old th e n ext day.(4)/ No error (5)
318. At h letes do var iou s (1)/ k in ds of
warm (2)/ u p activities before (3)/
th ey star t t o r u n n in g.(4)/ No er -
ror (5)
319. Ram esh wi ll lives (1)/ wit h Ram
u n til h e (2)/ fin d s a separate (3)/
-11-

h ou se for h i m sel f.(4) / No err or
(5)
320. Cows, goats an d (1)/ oth er su ch
dom estic (2)/ anim als togeth er is
(3 )/ called l ivestock . (4)/ No er -
ror (5)
321. St u den ts ar e l ik el y t o (1)/ work
on th e even in gs, (2)/ du rin g t h e
w eek en d s , (3 )/ o r s u m m er
br eak s. (4)/ No error (5)
322. Bein g-able to (1 )/ rem em ber a lot
of in form ati on s is (2)/ n ot t h e
sam e as (3)/ bein g ab le t o t h in k .
(4 )/ No error (5)
Di r ec t i o n s (3 2 3 -3 3 2 ) : Read
each senten ce to fin d ou t wh ether th ere
is an y gr am m ati cal err or or idiom at ic
er ror in it. Th e error, if an y, wi ll be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is
‘No error’, th e an swer i s (5) ( Ign ore
er rors of pu n ctu ati on , if an y).
(I DBI Ban k Of f i c er Ex am .1 6. 09. 201 2)
323. Al th ou gh a d octor said th at t h e
test resu lts (1 )/ of five person s
con fi rm ed th e d isease h ospit al
au th or iti es (2)/ did n ot gi ve an
official st atem en t said (3)/ th ey
were stil l awai tin g resu l ts of t h e
rest of t h e pat ien t s.(4)/ No err or
(5)
324. Ligh tweigh t an d (1)/ easy to h an -
dle, (2)/ au tom at ic scooters h ave
been (3)/ a god sen d for wom en
com m u ter s. (4)/ No er ror (5)
325. Th e gan g m em ber s h as (1)/ con -
fessed th at th ey h ad been (2 )/
ob tai n in g ban k accou n t detai ls
(3)/ of th eir victim s from a sou rce
based in Nigeria. (4)/ No error (5)
326. Weath er offici als sai d t h at (1 )/
t h er e i s l i k el y t o b e (2 )/ w i d e
spread rain fall all over th e region
(3 )/ over th e n ext few week s. (4 )/
No err or (5)
327. Poli ce sai d th at (1 )/ th e seized
cou n terfeit cu rren cy n otes look ed
(2 )/ so gen u i n e th at (3)/ an yon e
cou ld h ave b een m i sled. (4)/ No
er ror (5)
328. Th e com m it tee h as (1)/ ask ed for
m or e i n for m at ion an d (2 )/ wil l
again con sider (3 )/ th e en tries on
th e n ext m eetin g. (4)/ No error (5)
329. Look in g for (1)/ a h ou se on ren t
(2)/ in th e city has (3)/ n ever been
an easy job . (4 )/ No error (5)
330. On e cou ld n ot (1)/ im agin e st rik -
in g (2)/ th is k in d of a bargain (3)/
last year or th e year early. (4)/ No
er ror (5)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
331. Th e m on soon sh owers an d (1 )/
th e fell in tem per atu re (2)/ h ave
brou gh t a sm ile (3)/ on man y fac-
es. (4)/ No error (5)
332. Sch ool ch i ldr en i n t h e city (1 )/
were i n for a su rp ri se as th ey
wer e (2 )/ t r eat ed t o a feast of
som e ch il dren ’s fil m s (3)/ bei n g
screen i n l ocal th eat res. (4)/ No
er ror (5)
Di r ec t i o n s (3 3 3 –3 4 2 ) : Read
each sen t en ce t o fi n d ou t wh et h er
th ere is an y gram m ati cal er ror or id i-
om ati c error i n i t. Th e err or, if an y,
wi ll be in on e par t of t h e sen t en ce.
Th e n u m ber of th at part is th e an swer.
If t h er e is “No Err or” t h e an swer is
‘5’. (Ign or e err or s of p u n ct u at i on i f
any.)
(I BPS Ban k PO/ M T CWE
Ex am . 1 7. 0 6. 20 12 )
333. Th e Govern m en t h as ask ed i n -
di vid u al s (1) / wi th in com e of
over Rs. 10 lak h s t o (2)/ elec-
tron ic file tax retu rns for the year
20 11 -12 , (3)/ som eth in g wh ich
was opti on al t ill last year . (4 )/
No Err or (5)
334. Th e p ower t ariff h ad alr ead y (1)
/ been in cr eased twice i n (2 )/
th e last 15 m on th s an d th e Elec-
tricity Boar d h ad also (3)/ levied
ad di ti on al m on th ly ch arges t o
con su m er s. (4)/ No Error (5)
335. Despit e of cu rfew (1) / in som e
ar eas, m in or (2)/ com m u n al i n -
ci den ts wer e r eported (3)/ fr om
differ en t areas of th e walled city.
(4 )/ No Error (5)
336. Th is com es (1) / at a tim e (2 )/
when fu nd allocation (3)/ is been
dou bled. (4)/ No Error (5)
337. As th e p rison will get (1) / an
official tel eph on e facili ty soon ,
th e p rison er s (2)/ won ’t h ave to
m ak e cal ls in d iscreet m an n er
(3 )/ th rou gh sm u ggled m obi le
ph on es. (4)/ No Err or (5)
338. Th e area was pl u n ged in t o (1) /
d ar k n ess m i d a w ave of (2 )/
ch eer in g an d sh ou tin g (3)/ sl o-
gan s lik e ‘Save Th e Earth ’. (4 )/
No Err or (5)
339. Th e poll con testants approach ed
(1 ) / th e com m i ssi on com p lai n -
in g t h at th e h oard in gs (2)/ vi o-
lated th e code of con du ct (3)/
an d in fl u en ced p u b li c percep -
tion . (4)/ No Error (5)
340. Th e cou n try h as (1) / ad equ ate
l aws b u t p r ob l em s (2 )/ ar i se
COMMON ERRORS
wh en th ese are n ot (3)/ im pl e-
m en ted in letter or sp iri t . (4 )/
No Err or (5)
341. Th e M an agem en t feels th at (1) /
th e em ployees of t h e organ isa-
ti on ar e (2)/ n on -p rod u ct , an d
do n ot wan t (3)/ to work h ar d.
(4 )/ No Error (5)
342. As far th e issu e of lan d en croach -
m en t (1 ) / i n vi l l ages i s con -
cern ed, peop le wil l (2)/ h ave to
m ak e a star t from th eir vil lages
by (3)/ sensitisin g an d edu catin g
the villagers abou t this issu e. (4)/
No Err or (5)
Di r ec t i o n s (3 4 3 – 3 5 7 ) : Read
each senten ce to fin d ou t wh ether th ere
is an y gr am m ati cal err or or idiom at ic
er ror in it. Th e error, if an y, wi ll be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is
“No Error ” t h e an swer is ‘5’. (Ign ore
er ror s of pu n ct u at ion if an y.)
(I BPS Sp eci al i st Of f i cer CWE
Ex am . 1 7 . 0 3 . 2 0 1 3 )
343. Th e cou pl e’s wor k i n (1) / u p -
gradin g ru ral tech nician s (2)/ has
set a ben ch m ar k in g (3)/ for fu -
tu re generation s.(4)/ No Error (5)
344. It h as tak in g al m ost (1)/ a year
for In d ia (2)/ to let its pessim ism
(3)/ tran slate in to fewer jobs. (4)/
No Err or (5)
345. The city n eeds an airport (1)/ th at
can efficien tly m an age (2)/ a con -
st an t ly flow of (3)/ passen gers
an d fl igh t s.(4)/ No Err or (5)
345. Th is grou p of (1)/ ru ral ach iev-
er s is ver y (2)/ di ffer en t th an t h e
(3 )/ on es in t h e past. (4)/ No Er -
ror (5)
346. Th e gover n m en t h as an n ou n ced
(1 )/ pl an s to creatin g (2)/ on e
m i llion n ew (3)/ tr ain in g pl aces.
(4 )/ No Error (5)
348. Th e argu m en t assu m es th at (1)/
early detection of th e disease (2)/
will lead to an im m ed iate drop in
(3)/ the mortality ratin g from this
di sease. (4)/ No Error (5)
349. The two m ost importan t nu mbers
(1 )/ wh ich th e m an d ari n s of an
(2 )/ econ om y h ave t o watch (3 )/
are in flation an d u n em ploym en t .
(4 )/ No Error (5)
350. Wit n essed t h e you n g sol di er’s
ability (1)/ to repeatedly h it bu ll’s
eye at (2)/ arm s trainin g, in stru c-
tors pu sh ed h i m (3)/ to par tici-
pat e in th e Arm y m ark sm an sh ip
com pet ition .(4)/ No Err or (5)
-12-

351. It is all well k n own that (1)/ wom -
en ar e gen er all y i n favou r of (2 )/
ligh t topics lik e jok es and expres-
si on s (3)/ th at cau sin g lau gh t er
al l ar ou n d. (4)/ No Error (5)
352. Th e even in g br eeze (1 )/ won ’t
carryin g th e poetr y (2)/ of peace
beyon d (3)/ th e sch ool b u il din g.
(4 )/ No Error (5)
353. We ar e br in g in th e i dea th at (1 )/
Eu ropean rehabilitation focu ssed
(2 )/ on a m u lt i-d iscipl in ar y ap-
p r oach (3 )/ t owar d s ch r on i c
pai n . (4)/ No Error (5)
354. If paren ts are able to (1)/ get their
children into schools (2)/ that are
far away, th e (3)/ n ext ch al len ge
is tran sp ort ation . (4)/ No Err or
(5)
355. The perception of oth ers (1)/ par -
t i cu l ar l y fam i ly m em ber s (2 )/
ch an ged wh en h e (3)/ qu ali fi ed
on a gover n m en t job. (4)/ No Er -
ror (5)
356. Every h ou se shou ld (1)/ h ave th e
device as i t (2)/ pr otects peop le
fr om a (3)/ com m on h ou seh old
di saster. (4)/ No Error (5)
35 7. Au tomated baggage han dlin g sys-
tem s ar e (1)/ en su r in g th at on
th e t im e passen ger s (2)/ ar e ou t
of th e p lan e t h ei r (3)/ baggage is
alr eady waiti n g for th em . (4)/ No
Er ror (5)
Di r ec t i o n s (3 5 8 – 3 6 2 ) : Read
each senten ce to fin d ou t wh ether th ere
is an y gram m ati cal er ror in it. Th e er -
ror, if an y, wi ll be in on e par t of t h e
sen ten ce. Th e n u m b er of th at part is
th e an swer. If th er e i s n o error, t h e
an swer is (5). i .e. ‘No error’. (Ign ore th e
er rors of pu n ctu ati on , if an y.)
(I BPS Ban k PO/ M T CWE-I I I
Ex am . 2 6. 1 0. 20 13 )
358. Th ese com p an i es h ave b een
ask ed (1)/ to fu r n ish th eir fi n an -
ci al details (2 )/ an d in form ati on
ab ou t (3 )/ its board m em ber s.
(4 )/ No error (5)
359. T h e s c h em e w h i c h w i l l b e
lau n ched (1)/ du rin g th e n ext two
years (2 )/ requ ire an ad dit ion al
in vestm en t (3)/ of on e h u n dr ed
cr ores. (4)/ No error (5 ).
360. Road develop ers u n abl e (1 )/ to
com plete th eir p roj ect s (2 )/ on
tim e will n ot be (3)/ awarded n ew
on es. (4 )/ No error (5)
361. We h ave tak en on (1 )/ th e r e-
spon si bility of (2)/ arran gi n g th e
requ ired train in g (3)/ an d su per -
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
vi se th e n ew st aff. (4)/ No err or
(5)
362. Th e gover n m en t h as si gn ed (1 )/
a m em oran du m of u n derstan d-
in g with (2 )/ th e com pan y t o set
u p (3 )/ a pl an t in th e st ate. (4 )/
No err or (5)
Di r ec t i o n s (3 6 3 –3 6 7 ) : Read
each senten ce to fin d ou t wh ether th ere
is an y gr am m ati cal err or or idiom at ic
er ror in it. Th e error, if an y, wi ll be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is n o
er ror, th e an swer is (5). (Ign ore errors
of pu n ctu ati on , if an y).
(I n di an Ov er seas Ban k PO
On l i n e Ex am . 01. 09. 201 3)
363. Th e den se fog on Friday m orn in g
(1 )/ forced th e Ai rport Au th ori ty
of India to divert (2)/ eigh t fligh ts,
in clu des two intern ation al flights,
(3 )/ ou t of th e In t er n ati on al Ai r -
port (4)/ No er ror (5 ).
364. T h e c i v i c a u t h o r i t i es h a d
scrapp ed th e trade licen se (1 )/
of a wel l k n own restau ran t aft er
in vestigation p roved t h at (2)/ it
h ad ch op ped down a fu ll grown
tr ee sim p le becau se (3)/ th e tr ee
was b lock in g th e view of th e res-
tau ran t. (4)/ No error (5 ).
365. In vestigatin g officer s h ave fou n d
(1)/ a lot of gaps between (2)/ th e
in for m at ion th ey gath er on th eir
own (3)/ an d th e version of events
n arrat ed by t h e accu sed . (4)/ No
er ror (5 ).
366. The death of the m an has brou gh t
(1)/ t o th e fore t h e pligh t of th ou -
san d s of m igran t s (2)/ lan gu ish -
in g behin d bars in In dia after (3)/
bein g ap preh en d ed in th e bor -
der. (4)/ No err or (5 ).
367. On ly r ecen tl y (1 )/ did th e m an -
ager real ized t h at th e (2 )/ i n for -
m ation pr ovi ded to h i m (3 )/ by
h is em pl oyees was fabr i cat ed .
(4 )/ No error (5 ).
Di r ec t i o n s (3 6 8 –3 7 7 ) : Read
each senten ce to fin d ou t wh ether th ere
is an y gr am m ati cal err or or idiom at ic
er ror in it. Th e error, if an y, wi ll be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is n o
er ror, th e an swer is (5). (Ign ore errors
of pu n ct u ati on , if an y)
(BOB M an i pal Sch ool of Ban k i n g
Of f i c er On l i n e Ex am , 1 4. 08. 201 4)
368. At tri tion i s goin g to be in (1 )/ t h e
norm in the bank ing indu stry (2)/
in th e d ays to com e an d ban k s
COMMON ERRORS
(3 )/ sh ou ld b ein g pr epar e for fu -
tu re. (4 )/ No error (5)
369. However th ey stressed th ere was
n o (1)/ form al deal on a (2)/ com -
m on t ext in th e (3 )/ fu l l 1 9 n a-
tion al m in isters. (4)/ No err or (5)
370. Th e comm en t assu m e significan t
(1 )/ in t h e wak e of t h e h igh pr o-
fi le (2)/ repor ts h avin g su ggest-
ed (3 )/ creati n g a si n gl e appel-
late au thority for all fin an cial sec-
tors. (4 )/ No error (5)
371. The ru lin g parties h ave (1)/ m u ch
th an th e requ i re (2)/ two t h ir ds
m ajor ity (3 )/ in t h e assem b ly to
en dor se th e st atu t e. (4)/ No er -
ror (5)
372. He fu rth er sai d th ere is n o pu r -
pose (1)/ in waitin g for th e fin al
approval sin ce both felling of trees
(2)/ an d com m en cem en t of work
wou ld (3 )/ h ave al ready tak en
pl ace based on t h e in -prin cip le
ap proval. (4 )/ No error (5)
373. Not approvin g the (1)/ violent acts
of (2 )/ you n g p eop le to ch an ge
th e system , (3)/ th e old gives h im
th e work s of h u m an ism . (4 )/ No
er ror (5)
374. Th e p rop osal wh ich was aim ed
(1)/ at p rovidin g ch eck s an d bal-
an ces for decisi on m ad e by (2 )/
t h e r egu l at or s h as b een (3 )/
h an ged fi re for a lon g ti m e du e to
opposition from variou s qu arters.
(4 )/ No error.
375. The govern ment h as in itiated (1)/
th e p rocess of set tli n g dispu t es
(2)/ throu gh votin g in the CA, (3)/
a st ep sever e cr i ti cise b y t h e
op position . (4)/ No error. (5)
376. Th e Un ion H ealt h M in i ster h as
(1)/ pitch ed for an in cr ease in its
(2)/ bu dgetary allocation, (3)/ cit-
in g plan s to stren gth en th e deliv-
er y of existin g sch em es. (4 )/ No
er ror. (5)
377. Th e govern m en t’s m ove (1 )/ to
ex ten d (2 )/ su bsidy on raw su g-
ar exp ort s (3)/ i s expected pr o-
vi de som e salve by th e i n du str y.
(4 )/ No error. (5)
Di r ec t i o n s (3 7 8 –3 8 2 ) : Read
each senten ce to fin d ou t wh ether th ere
is an y gr am m ati cal err or or idiom at ic
er ror in it. Th e error, if an y, wi ll be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is n o
er ror, th e an swer is (5). (Ign ore errors
of pu n ct u ati on , if an y)
(SI DBI Ban k Of f i c er Ex am , 03. 09. 201 4)
-13-

3 7 8 . On e of th e sm all est m obile ser -
vice provider (1)/ in In dia by n u m -
ber of su bscrib ers (2 )/ , th e com -
pan y i s givi n g u p t o 4 0% i n cr e-
m en t (3)/ in clu din g b on u ses in
th e cu rren t fin ancial year (4)/ . No
er ror (5)
3 7 9 . Som e of t h e m ost (1)/ su ccess-
fu l organ isation s in th e world (2)/
u ses exploration an d plays (3)/ to
t h ei r con t i n u ed su ccess a n d
gr owt h (4)/ . No error (5)
3 8 0 . In vestors sen tim en t towards (1)/
In dia h as sou r ed i n r ecen t years
(2)/ as econ om ic gr owth slowed
(3 )/ to l ess by 5% in cu r ren t fi s-
cal year to 8% i n 2 007 . (4 )/ No
er ror (5)
3 8 1 . Work ers in side t h e bu ildin g m ay
soon (1)/ ab le to im agin e testi n g
h i s weigh tli fti n g prowess or ot h -
er m u scl e (2)/ bu i ldi n g regim en s
again st t h e m yth ical feat s of Kin g
Kon g (3)/ , wh o on ce scaled th is
bu ildin g’s facade (4)/ . No error (5)
3 8 2 . In dia can b ecom e an econ om ic
su per power (1)/ it h as a you n g
work force (2)/ Ch i n a is b ecom -
i n g m or e ex p en si ve (3 )/ . So i t
serves u s well to for ce th e id ea
of effect ive di alogu e (4)/ . No er -
ror (5)
Di r ec t i o n s (3 8 3 –3 9 2 ) : Read
each sen t en ce t o fi n d ou t wh et h er
th ere is an y gram m ati cal er ror or id i-
om ati c error i n i t. Th e err or, if an y,
wi ll be in on e par t of t h e sen t en ce.
Th e n u m ber of th at part is th e an swer.
If th ere is n o err or, th e an swer is (5 ).
(Ign ore err ors of pu n ctu ati on , if an y)
(Ban k of Bar od a J un i or M an agem en t
Gr ad e/ Scal e-I Ex am , 18 .0 4.2 01 5)
383. In th e cu rren t year, (1)/ sm all
len ders, wh o gl obal b an k s h ave
(2 )/ l on g sn eered at , ar e per -
for m i n g (3 )/ m ore b et t er t h an
th e gian ts. (4)/ No error (5)
384. Th e Cen t ral Ban k h as cu t (1 )/
it s p oli cy rep o rate by fifty basis
poin ts (3)/ bu t on ly a few ban k s
h as (3)/ lowered th eir base len d-
in g r ates. (4)/ No error (5)
385. Apart of n ot speak in g u p enou gh,
(1 )/ m an y pr ofessi on als d o n ot
th in k abou t (2)/ h ow ask in g dif-
feren t types of qu estion s (3)/ can
lead to differ en t ou t com es. (4 )/
No err or (5)
386. Wi th th e except ion of (1)/ m u -
si c, n o oth er in du stry (2)/ h as
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
em braced global isation (3 )/ as
k een ly as th e ban k i n g in du str y.
(4 )/ No error (5)
387. Th e ban k ’s strin gen t onboardin g
pr ocess (1)/ for n ew execu tives
en su res (2)/ t h at th ey u n d er -
st an d fr om ot h er l eader s (3 )/
wh at it tak es t o su ccess. (4)/ No
er ror (5)
388. CEOs h ave a l ot (1)/ t o wor ry
ab ou t, (2 )/ b u t wh at ar e (3 )/
th eir greatest con cern s? (4) No
er ror (5)
389. Wh en b u si n ess leaders (1)/ fail
to decide (2)/ an d act wisely, (3)/
th eir com pan ies su ffers. (4 )/ No
er ror (5)
390. We ar e often b lin d ly to (1)/ t h e
m an y for ces (2)/ th at cr eate an d
(3)/ su stain ou r beh aviou rs. (4)/
No err or (5)
391. Medicl aim polici es u su ally (1 )/
r ei m b u r se cert ain (2)/ m ed i cal
expen ses an d (3)/ n ot th e ou t-of-
pock et ex pen ses. (4 ) No error (5)
392. Hi gh per for m ers sh ow a stron -
ger t en den cy (1 )/ to direct th eir
own lear n in g, (2)/ wh ich m ay be
on e of th e ways to predict (3 )/
wh o will b e a h igh per for m er. (4)
No err or (5)
Di rect i on s (39 3–39 7) : Read each
sen ten ce to fin d ou t wh eth er th ere is
an y gram m atical error or idiom atic er -
ror in it. Th e error, if an y, will be in
on e part of th e sen ten ce. Th e n u m ber
of th at part is th e an swer. If th ere is
n o error, th e an swer is (5). (Ign ore er -
rors of pu n ctu ation , if an y)
(NABARD Of f i cer Gr ade ‘A’ On l i n e
Ex am , 01. 03.20 15)
393. Most people do n ot (1)/ realise
th at medical emergencies are (2)/
n early always be correctable, (3)/
if detected early. (4)/ No error (5)
394. Over th e last fifteen years, (1)/ a
sign ifican t body of research h as
(2)/ dem on strated th at each of
u s (3)/ is a distu rbin gly u n reli-
ably rater of oth er people’s per -
for m an ce. (4)/ No error. (5)
395. Ch ildren who m ak e h eart healthy
(1)/ ch oices redu ces th eir ch anc-
es of (2)/ developin g h eart dis-
eases (3)/ later in life. (4)/ No
error (5)
396. India is one of th e (1)/ biggest oil
importers, bu t (2)/ is this prac-
tices good (3)/ for the cou ntry and
its people. (4)/ No error (5)
COMMON ERRORS
397. Th e i n t er n et p roject en vi sages
(1)/ th e u se of h igh -altitu de bal-
loon s to providing (2)/ affordable
i n t ern et to ar ou n d five b il l ion
people (3)/ globally, who cu rren t-
ly h ave n o access.(4)/ No error (5)
SBI PO EXAMS
D i r ec t i o n s (1 -5 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y error in it . Th e error, if an y, wi ll
be in on e p art of th e sen ten ce. Th e
n u m ber of th at part is th e an swer. If
t h ere i s n o er r or t h e an swer is (5).
(Ign ore errors of pu n ctu ati on , if an y)
(SBI Assoc i at e Ban k s PO
Ex am . 1 4. 0 2. 19 99 )
1. Th is laboratory of ph ysics is (1)/
n ot on ly equ ipped with (2)/ all
state-of-th e-art in stru m en ts (3)/
b u t al so w i t h ou t st an d i n g
ph ysi cists (4)/ No error (5)
2. No m eth od of m ak in g (1)/ oth er
people agree to (2)/ you r view-
poin t is (3 )/ as effect ive as th is
m eth od. (4)/ No error (5)
3. I was pr et ty su re th at (1 )/ h e
wou ld su p por t m y vi ews (2)/ for
ch an gi n g t h e age-ol d (3 )/ an d
st at i c st r u ct u r e of ou r
or gan i sat ion . (4 )/ No error (5)
4. I did n ot l ik e h is (1 )/ com m en ts
on m y paper (2)/ b u t I h ad n o
al ter n at ive (3 )/ as I h ad agreed
to k eep qu i et. (4)/ No error (5)
5. The report is can did in adm ittin g
(1 )/ t h at th e in vestm en t b y t h e
gover n m en t (2)/ in h ealt h an d
fam il y pl an n in g (3 )/ h ave been
er od ed con si d er ab l y (4 )/ No
er ror (5)
Di r ect i on s (6-1 5) : Read each sen -
ten ce to fi n d ou t wh eth er t h er e i s an y
er ror in it. Th e error, if an y, wi ll be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is
n o er ror, th e an swer i s ‘5’. (Ign or e er -
rors of pu n ctu ation , if an y).
(SBI Assoc i at e Ban k s PO
Ex am . 1 6. 0 7. 20 00 )
6. I live on a top fl oor (1 )/ of an old
h ou se. (2)/ Wh en th e win d blows
(3 )/ all th e wi n dows ratt le. (4 )/
No err or (5)
7. Had h e n ot r each ed in tim e (1 )/
h e wou ld h ave m issed (2)/ a gold-
en oppor tu n ity wh ich com es (3)/
on ce in a wh ile.(4 )/ No error (5)
8. Th e Min ist ry of Labou r con du cts
i t s b asi c su r vey (1 )/ on t r ad e
-14-

u n ion s each year (2 )/ gath eri n g
in for m at ion wi th all (3)/ l abou r
u n ion s as of J u n e 3 0. (4)/ No
er ror (5)
9. St or ies h ave al ways been u sed
(1 )/ as a p owerfu l tool for (2 )/
com mu n icating vital in form ation
fr om (3)/ on e gen er ati on t o an -
ot h er. (4 )/ No error.(5)
10. We all ar e i n deb ted to h im (1 )/
for h oldi n g n ot on l y h igh m or al
val u es (2)/ b u t also r en der in g
d ed i cat ed ser vi ce (3 )/ for t h e
betterm en t of h u m an r ace. (4 )/
No err or.(5)
11. We ar e tr yin g t o (1 )/ fin d ou t t h e
root cau se (2)/ of th is r ecu rri n g
pr obl em (3)/ sin ce th e l ast fou r
days. (4 )/ No error (5)
12. I tol d h i m b lu n tly (1)/ t h at h e is
a lazy fellow (2)/ an d th at h e h ad
don e (3)/ h is work ver y b adl y.
(4 )/ No error.(5)
13. Mu m bai i s fu ll of tal l b u il din gs
(1 )/ wh i ch i s at on ce i t s (2 )/
stren gth as well as weak n ess (3)/
dep en di n g u pon h ow on e look at
it . (4)/ No err or (5)
14. I am fu lly aware th at (1)/ m y boss
is on e of th ose (2)/ wh o i s t otal ly
d ed i c a t ed (3 )/ t o w o r k a n d
pr oper d iscipl in e. (4 )/ No err or
(5)
15. The Director of ou r Com pany (1)/
does n ot bel ieve t h at (2)/ we are
work in g sin cerel y (3)/ an d wi th
in ter est for al l th ese years. (4 )/
No er ror (5 ).
Di r ect i on s (1 6 -2 2) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y error in it . Th e error, if an y, wi ll
be in on e p art of th e sen ten ce. Th e
n u m ber of th at part is th e an swer. If
th ere is n o err or, th e an swer is (5 ).
(Ign ore errors of pu n ctu ati on , if an y).
(SBI Ban k PO Ex am . 18. 05. 200 3)
16. You m ay n ot k n ow it (1)/ bu t th is
en gin e i s (2)/ cl ai m ed t o h ave
t w i ce (3 )/ as p ow er fu l as t h e
pr eviou s on e. (4 )/ No error (5)
17. Noth i n g ever becom es real (1 )/
ti ll it is exp erien ced. (2)/ Even a
pr over b i s n o prover b to you (3 )/
ti ll you r l ife h as il lu strated wi th
it . (4)/ No er ror (5 ).
18. I rem em b er m y ch i ldh ood days
(1 )/ wh en I was u sed t o go (2 )/
to th e farm with m y fath er (3 )/
an d h el p h im in h is work (4)/ No
er ror (5 ).
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
19. I m i ssed t h e last train (1)/ wh ich
I u su all y catch (2 )/ an d h ave to
stay at th e station (3)/ on m y way
b ack h om e yester d ay. (4 )/ No
er ror (5 ).
20. Su resh babu wh o is livin g (1 )/ in
this own sin ce 1955 (2)/ is a well-
k nown scholar of h istory (3)/ an d
a distingu ished m u sician. (4)/ No
er ror (5 ).
21. If you h ad r ead (1 )/ th e rel evan t
literatu re carefu lly (2)/ you wou ld
h ave an swered (3)/ m ost of t h e
qu est ion s correctl y. (4)/ No err or
(5)
22. Th e h ou se wh er e t h e dead m an
was fou n d (1 )/ i s b ein g gu ard ed
by police (2 )/ to preven t it fr om
b ei n g en t er ed (3 )/ a n d t h e
eviden ce in ter fered with (4 )/ No
er ror (5)
Di r ec t i on s (2 3 – 2 7 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y error in it . Th e error, if an y, wi ll
be in on e p art of th e sen ten ce. Th e
n u m ber of th e p art is th e an swer. If
t h er e i s n o er r or, t h e an swe is '5 '.
(Ign ore errors of pu n ctu ati on , if an y).
(SBI Associ at e Ban k s PO
Ex am . 0 7. 01. 200 7)
23. Man y an im als an d pl an t s li ve in
water (1 )/ bu t n ot in th e sam e
k i n d of water (2)/ becau se n ot all
wat er i s th e sam e. (3)/ Sea wat er,
for instan ce, con tain s a lot of salt,
fr esh wat er con tai n s very l it tl e.
(4 )/ No error (5)
24. A sp ar r ow h as m ad e a n est i n
Kesh o's h ou se (1)/ an d h ad laid
eggs. Both Kesh o an d h is sist er
Sh yam a (2)/ watch ed th e n est for
h ou r s every d ay. (3 )/ Even m eal
tim es were forgot ten . (4)/ No error
(5)
25. A sk i llfu l adverti ser m ay be ab le
t o c r ea t e (1 )/ p r a c t i c a l l y a
m on op ol y for h i m self. (2 )/ n ot
becau se h is prod u ct is su p eri or
t o (3 )/ b u t b ec a u s e h e h a s
su cceeded in in d u ci n g peop le to
believe t h at it is. (4 )/ No error (5)
26. Wh atever m ay b e t h e or i gin of
sp eech , (1 )/ we can b e cer tai n
that m an did n ot bagan (2)/ to feel
th e n eed to speak (3)/ u n t il h e
began to live in com mu n ities. (4)/
No err or (5)
27. Each an im al of t h e sam e sp eci es
(1)/ l ook s for t h e sam e sor t of
food. (2)/ Also, th ere m ay be other
an im als of d ifferen t species (3 )/
COMMON ERRORS
com petin g with th e sam e food. (4)
No err or (5)
Di r ect i on s (2 8 -3 2 ) : Read each
sen t en ce to fin d ou t if t h ere is an y
er ror in it. Th e error, if an y, wi ll be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is
n o er ror, t h e an swer is (5). i.e. ‘No
E r r o r ’. (I gn o r e t h e er r o r s o f
pu n ctu ation , if an y).
(SBI PO Pr el i m i n ar y (Ti r e-I )
Ex am . 2 7. 04. 200 8)
28. He gave m e all the details of when
h e (1)/ h ad visited all th e tem ples
(2)/ wh il e h e will b e goi n g (3)/ on
official tou r. (4)/ No error (5)
29. Let’s all work (1)/ togeth er as lik e
h om ogen eou s (2)/ grou p so th at
(3 )/ su ccess wou ld be obviou s.
(4 )/ No error (5 ).
30. Th e p rocess was so si m ple (1 )/
an d easy to u n derst an d (2)/ t h at
it h ardl y t ook (3)/ five m i n u t es
for u s to learn it . (4)/ No err or
(5)
31. It is str an ge t h at (1)/ even aft er
fi fteen year s of experien ce, (2 )/
h e i s st i l l n ot (3 )/ ab l e t o b e
perform ed. (4)/ No error (5)
32. Wh at to m ak e peopl e (1)/ ten se
is actu al ly (2)/ a m yster y, wh i ch
(3 )/ i s d iffi cu l t to u n fold . (4)/ No
er ror (5)
Di r ec t i on s (3 3 –4 2 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m ati cal error in it . Th e er ror,
i f an y , wi l l b e i n on e p ar t of t h e
sen ten ce. Th e n u m b er of th at part is
th e an swer. If th er e i s n o error, t h e
an swer i s (5 ) i .e. ‘No Er r or ’ (Ign or e
er rors of pu n ctu ati on , if an y).
(SBI PO Pr el i m i n ar y (Ti r e-I )
Ex am . 2 7. 07. 200 8)
33. Ou r cu stom er s are always visit
(1)/ ou r branches to (2)/ discu ss
t h ei r p r ob l em s (3 )/ wi t h ou r
st aff. (4 )/ No error (5)
34. Al th ou gh h e was ex pected (1 )/
to work qu ite h ard (2)/ h e cou ld
n ot d o so (3 )/ owi n g t o h i s
pr olon ged i lln ess. (4 )/ No err or
(5)
35. J u st before th e dem on str ati on
st art ed (1)/ th e p oli ce arri ve at
th e site (2)/ as i f t h ey h ad (3 )/
r ecei ved i n form at i on . (4 )/ No
er ror (5)
36. Hab it of (1)/ regu lar savi n g (2)/
h elps u s (3)/ du rin g b ad t im es.
(4 )/ No error (5)
-15-

37. To k n ow wh at p eop le react to
(1)/ an u n foreseen situ ation (2)/
is very im p ort an t (3)/ t o d eci de
ou r cou r se of act i on . (4 )/ No
er ror (5)
38. Som e people lik e (1)/ to do som e
social (2)/ work even th ou gh (3)/
it lack s resou r ces. (4)/ No err or
(5)
39. H is qu ali t ies i n cl u d e (1 )/ th e
ab i l it y t o t ak e (2 )/ r i gh t an d
qu ick ly decision s (3)/ on im por -
tan t p oli cies. (4)/ No error (5)
40. A grou p of you n gst ers (1)/ h as
len d fin an cial assistan ce (2)/ to
th e flood -affected (3 )/ p eop le of
th e vi llages. (4 )/ No error (5)
41 . We m u st t a k e (1 )/ r egu l a r
ex er ci s es (2 )/ t o k eep (3 )/
ou rself fit. (4 )/ No error (5)
42. I f y o u w an t t o (1 )/ en s u r e
pr om pt ser vice (2 )/ p lease h ave
co n t ac t u s (3 )/ as s oo n as
possi ble. (4 )/ No error (5)
Di r ect i on s (4 3 -4 7 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m ati cal err or or i d iom ati c
er ror in it. Th e error, if an y, wi ll be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is
n o er ror, t h e an swer is (5). (Ign or e
er rors of pu n ctu ati on , if an y.)
(SBI Pr obat i on ar y Of f i cer
Ex am 2 8 .0 4 .2 0 13 )
43. Th ere can n ot be an y situ ati on
w h er e (1 )/ som eb od y m ak es
m on ey in an asset (2)/ locat ed
in In dia and does not pay tax (3)/
ei th er to In dia or to th e cou n t ry
of h i s or igi n .(4)/ No err or (5)
44. In dia h as en tered a down ward
sp iral (1)/ wh ere th e or gan ised,
pr od u cti ve (2)/ an d l aw ab id e
sectors are su b ject t o (3)/ sav-
age am ou n ts of m u l tip le t axes.
(4 )/ No error (5)
45. Th e ban k m ay h ave followed (1)/
an aggressive m on etary tigh t en -
in g poli cy (2)/ bu t i ts stated aim
of (3)/ cu rbin g in flation h ave n ot
been ach i eved. (4)/ No error (5)
46. Equ al opportu n ities for advan ce-
m en t (1)/ across th e l en gt h an d
br eadt h (2)/ of an organ i sati on
wi ll (3 )/ k eep m an y p rob l em s
away. (4)/ No error (5)
47. A cu stom ised data sci en ce d e-
gree (1)/ is yet to becom e (2)/ a
st an d ard pr ogr am m e (3)/ to In -
di a’s pr em i er edu cati on al i n st i-
tu tes. (4)/ No error (5)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Di r ec t i o n s (4 8 -5 2 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m at ical error in it . Th e err or
if an y, will be in on e p art of th e sen -
ten ce, th e n u m b er of t h at part i s t h e
an swer. If t h er e i s n o error, m ark (5 ).
(Ign ore err ors of pu n ctu ati on , if an y)
(SBI M an agem en t Ex ecu t i v e
Ex am . 2 3. 0 2. 20 14 )
48. Pol i t i ci an s an d act or s (1 )/ ar e
sh in i n g on th e In d ian (2 )/ elec-
toral fir m am en t (3)/ for a lon g
ti m e. (4 )/ No error (5)
49. Alm ost al l sch ool teach er s in sist
th at (1)/ a stu den t’s m oth er (2)/
is respon si ble for th e stu d en t ’s
con d u ct (3 ) / as w el l as h i s
dr ess. (4 )/ No error (5)
50. In th e forth com in g election s (1)/
every m an an d wom an (2)/ m u st
vote for th e can d idates (3 )/ of
th eir ch oice. (4 )/ No error (5)
51. It is essen t ial th at d iseases li k e
t u b er cu l osi s (1 )/ are d et ected
an d t reat ed (2)/ as early as pos-
si ble in ord er t o (3)/ assu re a
su ccessfu l cu re.(4)/ No err or (5)
52. Th e M u m b ai Pol ice h ave fou n d
(1 )/ t h e bod y of a m an (2)/ wh o
th ey beli eve to be (3 )/ t h e pri m e
su spect i n a m u rder case. (4 )/
No err or (5)
Di r ec t i on s (5 3 – 5 7 ) : In each
qu esti on b elow, fou r wor ds p rin ted in
bol d t ype are gi ven . Th ese are n u m -
bered (1), (2), (3) an d (4 ). On e of th ese
words pri n ted in bol d m ay eith er be
wron gl y spelt or i n appr opr i at e in th e
con text of t h e sen t en ce. Fin d ou t t h e
word th at is in appr opr iat e or wr on gly
spelt, if an y. Th e n u m b er of th at word
is you r an swer. If al l t h e word s p rin t-
ed in bol d are cor rectly sp elt an d ap-
pr opr iat e in th e con t ext of th e sen -
ten ce th en m ar k (5) i .e. ‘All Cor rect’
as you r an swer.
(SBI M an agem en t Ex ecu t i v e
Ex am . 2 3. 0 2. 20 14 )
53. People wh o l o ok (1 )/ d own on
abst r ac t (2)/ ar t h ave several
m ajor ar gu em en t s (3 )/ t o su p-
port t h eir bel i ef s. (4)/ Al l Cor -
rect (5)
54. Th e world Tr ade Or gan i sat i on
(1 )/ was fo r m ed (2 )/ in th e ear -
ly 19 90s as an ou st c om e (3 )/
of th e Uru gu ay Rou n d n egot i a-
t i on s. (4)/ All Cor rect (5)
55. Fem i n i st s (1 )/ h ave vi ewed t h e
Pat i r arch ale (2)/ control of wom-
en ’s b odi es as on e of th e pri m e
COMMON ERRORS
i ssu es (3 )/ faci n g th e co n t em -
por ar y wom en ’s m ovem en t. (4)/
All Correct (5)
56. Co m po sed (1)/ wit h oth er ex -
p er i m en t al (2 )/ sci en ces, as-
t r on o m y (3 )/ h as cer tain l i m i -
t at i on s. (4)/ All Cor rect (5)
57. Toxic ef fl u en t s (1 )/ dep let e t h e
level of ox ygen in th e r ivers, en -
dan ger (2 )/ all aq u at i c (3 )/ li fe
an d ren der water absol u t e u n -
fit for h u m an con su m pt ion . (4)/
All Correct (5)
Di r ec t i o n s (5 8 -6 7 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m at ical error in it . Th e err or
if an y, will be in on e p art of th e sen -
ten ce, th e n u m b er of t h at part i s t h e
an swer. If t h er e i s n o error, m ark (5 ).
(Ign ore err ors of pu n ctu ati on , if an y)
(SBI Sp eci al i st Of f i c er
(L aw Of f i cer : M M GS Scal e-I I
On l i n e Ex am . 19. 04. 201 4)
58. Th ey star ted to scratch (1)/ a few
years ago an d leveraged (2)/ t h e
m ob ile services boom (3)/ to be-
com e k ey m ark et pl ayers. (4 )/
No err or (5)
59. Pr ivat e ban k s an d fin an cial ser -
vi ces fir m s (1)/ too h ad a rea-
son in g qu ar ter (2)/ given an ap-
p ar en t (3 ) / sl owd own i n t h e
econ om y. (4 )/ No error (5)
60. Air In dia is con siderin g (1)/ sell-
in g of it s p rop erti es (2)/ in for -
eign destin ations (3)/ becau se of
parti n g of asset m on etisati on to
garn er resou rces. (4)/ No err or
(5)
61. Th e l aw wil l p revail over (1)/ a
st an dard (2)/ cl au se u n ilater al
(3 )/ prin ted on a b ill .(4 )/ No er -
ror (5)
62. In du stry ex per ts p oin ts ou t (1 )/
th at th ere i s an u rgen t n eed (2)/
to overh au l th e paten t fi lin g (3)/
an d gen er ati on p rocess. (4 )/ No
er ror (5)
63. A 24-year -ol d m etal lu r gical en -
gi n eer (1)/ wh o lost h is leg (2 )/
in a r oad acci den t , awarded (3 )/
Rs. 3 0 lak h as a com p en sation .
(4 )/ No error (5)
64. It is im perat ive to (1)/ clear com -
mu n ication (2)/ priority areas (3)/
an d a credib le r oad m ap for def-
icit redu cti on . (4 )/ No error (5)
65. Th ere are certain aspects for (1)/
m oder n l ife th at are (2)/ a sp e-
ci al ch al len ge (3)/ to tr adit ion al
table m an n ers. (4)/ No error (5)
-16-

66. It wi ll b e (1)/ a t err ibl e m i stak e
(2 )/ for th em t o ascr ibe an y vi c-
tory (3)/ to th ei r popu l arit y.(4 )/
No err or (5)
67. Torn adoes ri pp ed th rou gh t h e
sou th -cen tr al US (1)/ k i lli n g at
least 100 people (2 )/ an d wip ed
ou t (3)/ en ti re n eigh bou rh oods.
(4 )/ No error (5)
Di r ec t i o n s (6 8 -7 2 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gr am m ati cal err or in i t. Th e err or
if an y, will be in on e p art of th e sen -
ten ce, th e n u m b er of t h at part i s t h e
an swer. If t h er e i s n o error, m ark (5 ).
(Ign ore err ors of pu n ctu ati on , if an y)
(SBI Pr obat i on ar y Of f i cer On l i n e
Ex am , 2 1. 0 6. 20 14 )
68. In th e fi rst two m on th s of th is
fiscal, tractor sales h as seen (1)/
a drop of ab ou t fi ve percen t (2 )/
h owever, th e in d u str y is wait in g
for t h e m on soon (3 )/ to r eal ly
arrive at a firm con clu sion abou t
growth prospects for th e cu rren t
year. (4 )/ No error (5)
69. Dol ph in s are t ru ly ou t of th e or -
di n ar y b ecau se of th eir in t ell i-
gen ce (1)/ an d, am on g th e m an y
cr eat u res th at sh are th e ear th
for u s (2 )/ t h ey com e closest to
h u m an k in d in term s of (3)/ fa-
m il ial trai ts, em ot ion s an d lear -
in in g. (4 )/ No error (5)
70. Corru pti on in du lged i n b y t h e
h i gh an d m i gh ty ad ver sel y i m -
pacts (1)/ ou r n ation , an d in th e
com in g m on t h s (2)/ we m ay see
revival of efforts (3 )/ t o t ack le
su ch large scale corru ption . (4)/
No err or (5)
71. It is n ot abl e an d wel com e th at
th e m in istry of (1)/ en viron m en -
tal an d forest s i s to issu e ap-
p r oval s on l i n e (2 )/ i n a t i m e
bou n d m an n er, with cl ear tim e-
lin es (3)/ in place for th e variou s
su b-steps alon g th e way. (4)/ No
er ror (5)
72. To por tray (1)/ wh at a fai rn ess
cream does with ou t (2)/ an y sort
of com p arison or vi su al (3)/ ref-
er en ces ar e very d iffi cu lt . (4 )/
No err or (5)
Di r ec t i o n s (7 3 -7 7 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gr am m ati cal err or in i t. Th e err or
if an y, will be in on e p art of th e sen -
ten ce, th e n u m b er of t h at part i s t h e
an swer. If t h er e i s n o error, m ark (5 ).
(Ign ore err ors of pu n ctu ati on , if an y)
(SBI Pr obat i on ar y Of f i cer On l i n e
Ex am , 2 8. 0 6. 20 14 )
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
73. Wi th sale of br an d ed or p rem i-
u m petrol b ecom in g al m ost n il
(1)/ du e to high du ties (2)/ a gov-
er n m en t ap p oi n t ed p an el h as
recom m en ded (3)/ slash in g ex-
ci se du t y t o m ak e th em at p ar
regu l ar level. (4)/ No error (5)
74. Pol ice officer s h ave refu sed t o
divu lge on iden ti ty th e by stan d-
er (1)/ wh o is t h e on l y eyewi t-
n ess to t h e cri m e (2)/ bu t h ave
said th at t h e in vesti gat in g team
wou ld exp lore (3)/ if h e cou ld be
a wi tn ess i n t h e case. (4)/ No
er ror (5)
75. Attribu tin g rise in in flation part-
ly for wi th h old in g of food stock s
by trad ers (1)/ th e m in ister said
th at (2)/ h e was com m i tted (3 )/
to easin g th is su pp ly side bot-
tl en eck . (4 )/ No error (5)
76. In dia’s largest u tility veh icle an d
tractor m ak er (1)/ is again in th e
race t o acqu ire (2)/ of stak e in
swedi sh com pan y (3)/ wh i ch is
a prem iu m car m ak er. (4)/ No er -
ror (5)
77. Sh e h ad t o l ear n t h at (1)/ h er
wi sh es di d n ot (2)/ tak e p rece-
den ce (3 )/ wi th oth er peop le’s
n eeds. (4 )/ No error (5)
Di r ec t i o n s (7 8 -8 2 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m atical error or idiom atic er -
ror i n i t. Th e err or, if an y wi ll be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is
n o error, m ark (5 ) as you r an swer. (Ig-
n ore err ors of pu n ctu ati on , if an y)
(SBI Associ at es PO On l i n e
Ex am , 2 9. 1 1. 20 14 )
78. On e of them (l)/ forgot to tak e (2)/
th eir bag (3 )/ from th e sch ool.
(4 )/ No error (5)
79. We were very m u ch (1)/ car efu l-
ly in ou r approach (2)/ an d h ence
we (3 )/ com plet ed th e com pl i-
cated task . (4)/ No error (5)
80. Ever yon e agr ees t h at (1 )/ t h e-
Gan ga is t h e h ol iest (2)/ of al l
ot h er rivers (3 )/ of In dia (4 ), No
er ror (5)
81. We wer e h app y th at (1)/ th e au -
di en ce r esp on ded well (2)/ an d
gave all th e speak ers (3 )/ a p a-
ti en tl y li sten in g (4)/ No err or (5)
82. Th e econ om ical con dit ion s (1 )/
of ou r cou n t ry is bad (2)/ an d is
u n lik ely to im pr ove (3 )/ i n t h e
n ear fu t u re (4)/ No error (5)
COMMON ERRORS
Di r ect i o n s (8 3 –8 7 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m atical m istak es/ error in it.
Th e error, if an y, wi ll be in on e part of
th e sen ten ce. Ch oose th e part with th e
er ror as you r an swer. If th ere is n o
er ror, ch oose ‘No err or’ as you r an -
swer. (Ign or e t h e err ors of pu n ctu a-
ti on , if an y)
(SBI Associ at es PO On l i n e
Ex am , 3 0. 1 1. 20 14 )
83. After th e cash -str app ed corp o-
ration (1)/ expressed it s in abil i-
ty to provid e fu n d s (2)/ for var -
iou s developm en tal work s, t h e
office b ear ers of th e ci vic body
st art ed (3)/ l obbyin g at sp eci al
fi n an cial aid from st ate gover n -
m en ts. (4 )/ No error (5)
84. Th ree th i n gs are (1 )/ essen ti al
for a st art u p to su cceed (2)/ a
pr odu ct th at is dem an d (3)/ a
good team an d as well a m in i-
m u m expen dit u re. (4)/ No err or
(5)
85. We wil l h ave at (1)/ som e poi n t
of t im e in ou r l i ves (2 )/ won -
dered if we are actu ally (3)/ b e-
in g t oo n ice t o som eon e. (4 )/ No
er ror (5)
86. An ticipat in g a foggy win t er, (1 )/
th e railway au th orities h ave (2)/
d eci d ed t o (3 )/ can cel t h i r t y
tr ain s. (4)/ No error (5)
87. New b u si n esses tod ay (1)/ are
in creasi n g focu ssi n g on (2)/ i n -
t r od u ci n g var i ou s p er k s an d
m otivati on program m es (3 )/ to
h elp retain em p loyees. (4 )/ No
er ror (5)
RBI GRADE–B
OFFICER EXAMS
Di r ect i on s (1 –5 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m atical error in it or a wron g
word h as b een u sed. Th e error, i f an y,
wil l b e i n on e par t of t h e sen t en ce
wh ich h as been pri n ted in bo l d an d
h as b een n u m ber ed (1), (2), (3) or (4 ).
Th e n u m ber of th at part is th e an swer.
If th ere is n o err or, th e an swer i s (5)
i .e. ‘No er r or ’. (Ign or e t h e er ror s of
pu n ctu ation , if an y.)
(RBI Gr ade-B Of f i c er
Ex am . 0 6. 0 2. 20 11 )
1. Th e con v er gen ce of (1)/ In dian
a c co u n t i n g st a n d ar d s w i t h
International Financial Reporting
-17-

Standards (IFRS) begi n n i n g (2)/
in April i s ex pect i n g t o (3)/ see
p ower com p an i es st r u ggl i n g
wi t h (4)/ si gn i fican t fi rst -ti m e
ad opt ion im pact . No error (5)
2. Resear ch er s at (1 )/ t h e In di an
I n s t i t u t e o f Sc i en c e (I I Sc ),
B an gal ore, ar e m ap p i n g (2 )/
In d ia’s solar h ot sp ot s-wh er e
r ou n d -t h e-y ear (3 )/ su n li gh t
m a k es i t v i a b l e o f (4 )/
com pan ies to set u p solar power
pl an t s. No error (5)
3. Th ou gh their qu alification s span
a di v er se (1 )/ r an ge, th er e is
an equ al (2)/ n u m ber of gr adu -
at es an d t h ose wh o h ave ju st
com pleted Sch ool, each set (3)/
m ak i n g u p (4 )/ close t o 3 0% of
th ese h ou seh old s. No error (5)
4. As i f (1)/ th e m ost dan gerou s
m om en t for an y d i ct at or sh i p
i s wh en (2 )/ it st ar t s t o (3 )/
r efor m , No r t h K or ea l oo k s
ready to tu rn th at tru ism on i t s
h ead. (4)/ No err or (5)
5. I t so h ap p en s (1 )/ t h at t h i s
h appy cam py ritu al is th eir way
of l i fe (2)/ an d on e i n t o wh i ch
(3)/ th ey don ’t par t i cu lar l y wel -
c o m e (4 )/ voy eu r i st i c i n t r u -
si on s. No error (5)
INSURANCE EXAMS
Di r ec t i o n (1 -5 ) : Read each of
t h e fol lowin g sen t en ces t o fi n d ou t
wh eth er th ere i s an y gram m at ical or
i di om at i c er r o r i n it . Th e er r or, i f
an y, wil l be on ly in on e par t of t h e
sen ten ce. Wh en you fin d an er ror in
a p ar t , m ar k t h e n u m b er of t h at
p ar t of t h e sen ten ce as t h e an swer
on th e answer -sh eet in th e appropri-
at e b ox. If th ere is n o err or, th e an -
swer i s (4 ).
(Un i t ed I n d i a I n sur an c e Co.
AAO Ex am . 2 1. 04. 200 2 )
1. If t h e p resen t r at e in i n crease
con tin u es (1)/ ou r popu lation at
th e t u rn of th e cen tu ry (2)/ m ay
wel l reach t h e st raggerin g figu re
of on e bi lli on . (3)/ No error (4 ).
2. Th e progress of t h ese plan ts (1)/
i s n ot bei n g ver y en cou ragin g
(2 )/ an d th ey are stil l i n variou s
st ages of con str u ct ion . (3 )/ No
er ror (4 ).
3. Th ere is an u rgen t n eed to fi n d
ou t al tern at ive sou rces of fu el
(1 )/ with ou t wh ich th e world ’s
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
depen d en ce (2)/ on fossi l fu el
wi ll con t in u e. (3)/ No er ror (4 ).
4. It sl owl y scan n ed th e scen e (1 )/
as if it was (2)/ look in g at a prey.
(3 )/ No error (4)
5. He wore h is com m on m an im age
so doggedly (1 )/ as i f i t were a
u n ifor m (2)/ h e was pr ou d. (3 )/
No err or.(4)
Di r ec t i o n s (6 -1 0 ) : In each sen -
t en ce b el ow, fou r wor d s wh i ch ar e
n u m bered as (1 ), (2), (3 ) an d (4) h ave
b een p r i n t ed i n bo l d t y p e, on e of
wh ich m ay be ei t h er i n ap pr op r i at e
i n t h e con t ex t t o t h e sen t en ce or
wr on gl y -sp el t . Th e n u m b er of t h at
wor d i s t h e an swer. If al l t h e fou r
words ar e appr opri ate an d also cor -
rectl y-spel t, m ar k (5 ) i .e. ‘All cor rect’
as th e an swer.
(LI C Assi st an t Adm i n i st r at i v e Of f i c er
(AAO) Ex am . 2 4.0 4. 200 5 )
6. Th ere is n ever pau ci t y (1) of r e-
sou r ces (2) n ot wi t h st an di n g (3)
ab sen ce of an y organ i sed fu n d-
r i si n g (4) m ach in ery. Al l correct
(5).
7. The pi rat ed (1) technology has not
only creat ed (2) strategic dangers
bu t also dam aged (3) ec on o m y
(4 ) i n ter est s. All correct (5)
8. Th e heads of religiou s in stitu tions
an d i m m i n en t (1) people h ave
come togeth er to en su r e (2) com -
m u n al (3) h ar m on y (4) All cor -
rect (5)
9. So ph i st i c at ed (1) l aw br eak er s
(2 ) tr y to ex pl o i t e (3) l o oph ol es
(4 ) i n ru les an d r egu lati on s. All
correct (5)
10. Gan dh iji was un spari n g (1) in his
co n dem n at i on (2 ) of peopl e for
th eir i n h u m an (3 ) t reatm en t to
u n t o u ch abl es. (4) All correct (5)
Di r ec t i on s (1 1 -1 5 ) : Each sen -
ten ce h as fou r u n derli n ed wor ds or
ph rases. Th e fou r u n derli n ed par ts of
th e sen ten ce ar e m ark ed (1), (2), (3)
an d (4). Iden ti fy t h e on e th at i s n ot
accept abl e i n st an d ar d wr it t en En -
glish .
(Un i t ed I n d i a I n sur an c e Co.
(AAO) Ex am . 1 1.0 3. 200 7 )
11. Th e r el at ion sh i p bet ween (1 )/
sm all an d large bu sin ess in (2)/
m an y cou n t r ies h ave ch an ged
(3)/ con siderably du e to m odern
fran ch isin g (4).
12. My fri en d wi ll n ot on l y (1)/ r e-
ceive you at th e (2)/ station an d
COMMON ERRORS
also (3)/ h ave you as a gu est in
h is h ou se (4)
13. Each of th e (1)/ m i stak es h ave
(2 )/ to be cor rected befor e (3 )/
pr in t in g th e ar ticl e. (4)
14. Wh ich tim e (1)/ do you h ave to
(2)/ go to (3)/ th e den tist tom or -
row (4)?
15. Th e n u m ber (1)/ of fatal acci-
den ts in wh ich (2)/ peopl e are
ru n d own (3)/ an d k i lled h ave
forced (4)/ th e police to th e m ore
st in gen t wi th traffi c r u les.
Di r ect i on s (1 6 -2 0 ) : In each qu es-
tion bel ow a sen ten ce wi th fou r words
pr in t ed in b old type is given . Th ese
ar e n u m b ered as (1), (2), (3) an d (4 ).
On e of t h ese fou r b o l d l y p r i n t ed
words m ay be eit h er wr on gl y spel t
or i n appr o pr i at e in th e con text of th e
sen ten ce. Fi n d ou t th e word wh i ch is
wron gly spelt or in approp riate, if an y.
Th e n u m b er of th at word is you r an -
swer. If all th e boldl y p rin ted wor ds
ar e corr ect ly spelt an d also appr opr i-
at e i n t h e con t ext of t h e sen t en ce,
m ark (5) i.e., ‘Al l Correct’as you r an -
swer.
(LI C Assi st an t Adm i n i st r at i v e
Of f i c er Ex am . 200 8 )
16. The quest i on ai r e/ (1) r efl ect ed/
(2 ) vari ou s ph en o m en a(3 )/ th at
are sp ar i n gl y (4 )/ ex per ien ced.
All correct / (5)
17. Co u n t r ar y / (1 ) to p op u l ar be-
l i ef,(2)/ rip e fru it s are n ot n ec-
essar i l y (3)/ del i c i ou s. (4) All
Correct (5)
18. Th e m ost am bi t i o u s (1)/ en t er -
pr i se (2 )/ u n dertak en in th e an -
ci en t (3 )/ Egyp t was of th e co n -
st r u ct i on (4 )/ of p yram ids. All
Correct (5)
19. Th e ast r o n om i cal (1)/ cal cu l a-
t i on s (2)/ were ad m i r i n gl y (3 )/
ac cu r at e. (4) All Correct (5)
20. Look i n g i n ward from t h e t op of
th e r am par t s, (1)/ th e sen t r i es
(2)/ h ad a m arvellou s pan er am a
(3)/ sp r ead (4)/ befor e t h em . All
Correct (5)
Di r ec t i o n s (2 1 – 2 5 ) : In each of
th e followin g sen ten ces fou r wor ds or
p h r ases h ave b een bo l d . On l y on e
bol d p art in each sen t en ce is n ot ac-
cepted i n st an d ard En gli sh . Iden ti fy
th at part an d m ark its n u m ber 1, 2, 3
or 4 as you r an swer.
(LI C Assi st an t Adm i n i st r at i v e Of f i c er
(AAO) Ex am . 0 7.0 6. 200 9 )
-18-

21. Gaze fo r a t h i n g / (1) t h at ar e
n ot / (2) available easi ly / (3) in the
cou n ty is a u n i v er sal ph en om e-
n on / (4).
22. It is foolish t o be ex pec t i n g/ (1)
on e p erson t o be l i k e an o t h er /
(2 ) p erson , fo r / (3) each in divi d-
u al i s bor n / (4) with h i s ch arac-
teristics tr ait s.
23. Th e t en d en cy t o b el i ev e/ (1 )
t h at / (2) m an is in h eren tly di s-
honest is som et h i n g t h at / (3) wi ll
decri ed/ (4).
24. I h av e n ot com e acr oss/ (1) v er y
few peopl e/ (2) wh o/ (3) th i n k of
t h i n g b ey o n d / (4 ) t h ei r d ai l y
work .
25. H e m an aged t o bo ar d / (1 ) t h e
r u n n i n g t r ai n / (2) bu t all h is l ug-
gages/ (3 ) was/ (4) left on th e sta-
tion.
Di r ec t i o n s (2 6 – 3 5 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m at ical err or i n it. Th e er ror
if an y will be in on e part of th e sen -
ten ce, t h e n u m ber of th at p art wi ll be
th e an swer. If th ere i s ‘No er ror’, m ark
(5) as t h e an swer. (Ign or e err or s of
pu n ctu ation , if an y.)
(New I n di a Assu r an ce AO
Ex am . 2 5. 1 0. 20 09 )
26. Th e jou rn alist alon gwith (1)/ th e
c am er a cr ew w er e (2 )/ k i d -
n apped by th e (3)/ m ilitan ts last
n i gh t . (4 )/ No error (5)
27. Sh e t old h er son (1)/ to wait in
th e car (2)/ u n t il sh e does n ot
(3 )/ r etu rn from th e sh op. (4 )/
No err or (5)
28. Th e n u m ber of fl u cases (1 )/ is
decreasin g slowly, (2)/ th an k s to
th e (3)/ ti m el y gover n m en tal ef-
forts. (4 )/ No error (5)
29. Th e prin cipal spotted In dira (1)/
which was sittin g in (2)/ th e can -
teen at t h e tim e wh en (3)/ sh e
sh ou ld be at ten din g th e classes.
(4 )/ No error (5)
30. If I will (1 )/ m eet (2)/ Nayan in
th e m eeti n g, (3 )/ I wi ll give (4 )/
h i m you r m essage. (4)/ No er -
ror (5)
31. Wi th ou t a dou bt , (1)/ Ah m ad is
th e m ost (2 )/ sin cere of al l t h e
(3)/ stu d en t in th e class. (4)/ No
er ror (5)
32. Had it n ot b een rai n in g (1 )/ so
h eavi l y , w e w o u l d h ave (2 )/
su rel y gon e for a picn ic (3 )/ to
th e h ill st ati on . (4)/ No error (5)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
33. Th e stu den ts dr essed th em (1 )/
in th eir trendiest best attires (2)/
as th ey atten ded th e (3)/ an n u al
day p rogram of th e college. (4 )/
No err or (5)
34. Th e r eason b eh i n d h is (1)/ ex-
tr aor din ary h ei gh t is du e to (2 )/
th e m alfu nction ing of a gland (3)/
situ ated in t h e brain . (4)/ No er -
ror (5)
35. Un lik e th ese days, (1 )/ h e en -
j oyed r ead i n g b ook s (2 )/ an d
spend qu ite som e tim e (3)/ in th e
li brar y wh en h e was you n g. (4 )/
No err or (5)
Di rect i on s (3 6 – 4 5 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m at ical error in it . Th e err or
if an y, will be in on e p art of th e sen -
ten ce. Th e n u m b er of t h at part i s t h e
an swer. If t h er e is n o er ror, th e an -
swer is (5) i.e. “No err or” (Ign or e er -
rors of pu n ctu ation , if an y.)
(Un i t ed I n di a I n su r an ce AO
Ex am . 2 7. 0 3. 20 11 )
36. Th e power of th e m i n d (1)/ over
th e body (2)/ h as becam e a very
si gn i fi can t su b j ect (3 )/ of r e-
search in recen t years. (4 )/ No
er ror (5)
37. Sh e was h el d t o gu ilt (1 )/ prac-
t i si n g w i t ch cr aft an d m i sd e-
m ean ou r s (2)/ su ch as cu tt in g
h er h air sh ort (3)/ an d dressi n g
u p li k e a m an . (4)/ No error (5)
38. Research ers at th e Un iversi ty of
Nottin gh am (1)/ h ave fou n d th at
(2 )/ p u tt in g tob acco ou tsi de of
si gh t in sh ops (3)/ can ch an ge
th e atti tu d e of you n g peopl e t o-
ward s sm ok in g. (4)/ No error (5)
39. Th e you n g sales m an ager (1)/ is
ab ou t to resign (2)/ d espi te of
h is su ccess (3)/ in th e organ isa-
ti on . (4 )/ No error (5)
40. More an d m ore p eop le (1)/ are
u sin g differ en t colou r sch em es
(2 )/ in t h ei r h om es (3)/ th at r e-
fl ect in g th eir person alit ies. (4 )/
No err or (5)
41. Becau se art is so su bjective, (1)/
n o for m of art (2)/ can be m ost
effective (3)/ th an th e oth er. (4)/
No err or (5)
42. A 200 7 st u dy of Hu rri can e Kat-
r in a su r vi vor s (1 )/ fou n d t h at
th ose wh om scor ed h igh (2 )/ on
two m easu res of cr eat ivi ty–ori g-
in ali ty an d flexibi lit y (3)/ cop ed
wit h th e crisis bett er. (4 )/ No er -
ror (5)
COMMON ERRORS
43. Ken Foll ett h as m ade a career
(1)/ ou t of k eepi n g r eaders at
(2 )/ th e edge of th eir seats, (3 )/
en grossed in h is su spen se thrill-
er s. (4 )/ No error (5)
44. In th e m om en t, (1)/ th ere is n o
con clu sive eviden ce (2 )/ th at th e
vi ru s can sp read (3)/ from on e
h u m an to an oth er. (4)/ No err or
(5)
45. Th e n ewspap er r eported a m ov-
in g story (1)/ of h ow on e wom an
ch an n elled (2)/ h er own bi tter -
n ess i n to good b y m ak i n g (3)/ a
com m i tm en t to h elp ot h er peo-
pl e’s k i ds. (4)/ No error (5)
Di r ec t i o n s (4 6 –4 9 ) : In each of
th e followin g sen ten ces fou r wor ds or
ph rases h ave b een p ri n t ed in bo l d .
On e bol d p art in each sen t en ce i s n ot
accep tab le i n stan dar d En gli sh . Pi ck
u p th at par t.
(New I n d i a I n sur an c e AAO
Ex am . 2 2. 0 5. 20 11 )
46. I f (1)/ an yon e cares t o j oi n (2 )/
m e in th is cam paign , ei t h er (3)/
n ow or i n fu tu re, t h ey (4)/ are
m ost wel com e.
47. Th e govern m en t i n i t i at ed (1 )/
var i ou s m easu r e (2 )/ t o r ai se
(3 )/ t h e l ivi n g st an d ar d s (4)/ of
th e peopl e.
48. Th e reason (1)/ for m y pr olon ged
(2)/ absen c e (3)/ from t h e class
was becau se (4)/ I was il l.
49. We adm i r ed (1)/ h is m an y (2)/ at-
tem pts br av el y (3)/ t o en t er (4)/
th e bu rn in g bu ildin g.
Di r ect i on s (5 0 – 5 9) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m ati cal er ror in it. Th e er -
ror, if an y, wi ll be in on e par t of t h e
sen ten ce. Th e n u m b er of th at part is
th e an swer. If th er e i s n o error, t h e
an swer i s (5 ). i.e. ‘No err or’. (Ign ore
th e errors of pu n ctu ation , if an y.)
(L I C Assi st an t Ad m i n i st r at i v e Of f i c er
(AAO) Ex am . 1 2.0 5. 201 3)
50. Th ese com p an i es h ave b een
ask ed (1)/ to fu rn ish th eir fin an -
cial details (2)/ an d in form at ion
abou t (3)/ to its board m em bers.
(4 )/ No error (5)
51. T h e s c h em e w h i c h w i l l b e
lau n ch ed (1)/ du rin g th e next two
years (2 )/ requ ire an ad dit ion al
in vestm en t (3)/ of on e h u n dr ed
cr ores. (4)/ No error (5 ).
52. Road develop ers u n abl e (1 )/ to
com plete th eir p roj ect s (2 )/ on
-19-

tim e will n ot be (3)/ awarded new
on es. (4 )/ No error (5)
53. We h ave tak en on (1 )/ th e r e-
spon sibility of (2)/ arran ging th e
requ ired training (3)/ and su per -
vi se th e n ew st aff. (4)/ No err or
(5)
54. Th e gover n m en t h as si gn ed (1 )/
a m em oran du m of u n derstan d-
in g with (2 )/ th e com pan y t o set
u p (3 )/ a pl an t in th e st ate. (4 )/
No err or (5)
55. Owin g the n ew policy (1)/ we feel
th at th e tar get s (2 )/ set for th is
year (3)/ m ay n ot be ach i eved.
(4 )/ No error (5)
56. Si n ce th e lack of (1)/ m an power
we can n ot (2 )/ con d u ct th e su r -
vey (3)/ in ru ral areas. (4 )/ No
er ror (5)
57. Palm oil is very b en eficial (1 )/
an d i s u se to (2)/ m ak e prod-
u cts ran gin g (3 )/ from soap to
bi odi esel. (4)/ No error (5)
58. Th ere are on ly (1)/ a few com -
pan y (2)/ wh ich can h an dl e (3 )/
pr ojects of th is m agn itu de. (4 )/
No err or (5)
59. Th e data sh ows th at (1)/ th e u n -
em pl oym en t r ate h as (2)/ raised
to 6.1 p er cen t (3 )/ th e h i gh est
in fi ve year s. (4)/ No err or (5)
Di r ect i on s (6 0 – 69 ) : Read each
sen ten ce an y to find ou t wh eth er th ere
is an y gr am m ati cal err or or idiom at ic
er ror in it. Th e error, i f an y , will be in
on e p art of th e sen ten ce. Th e n u m b er
of th at p art is th e an swer,. If th ere is
n o er ror, th e an swer i s (5). (Ign or e er -
rors of pu n ctu ation , if an y.)
(Un i t ed I n di a I n sur an ce AO
Ex am . 2 6. 0 5. 20 13 )
60. Wh eat produ ction s in th e region
(1)/ will fall drastically (2)/ u n -
less we d o n oth i n g (3)/ to st op
clim ate chan ge. (4)/ No error. (5)
61. Th e In dian stock m ark et is (1 )/
on e of th e worse (2)/ per for m -
i n g stock m ar k et s (3 )/ i n th e
recen t ti m es. (4 )/ No error. (5)
62. With i n flation at eleven per cen t
(1)/ com panies n eed to come u p
(2)/ with in n ovative ways to (3)/
get cu stom er s t o b u y its good.
(4 )/ No error. (5)
63. Pr ivate com pan i es wh i ch prof-
it s (1 )/ h ave gr own du e to (2 )/
th e h igh pri ce of oil (3)/ sh ou ld
offer discou n ts on cook in g gas.
(4 )/ No error. (5)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
64. Havi n g wor k in (1)/ both pu b lic
an d private sector bank s (2)/ Mr.
Rao is th e i deal ch oice to (3 )/
tak e over as ch air m an . (4 )/ No
er ror (5)
65. In or der to exp an d , t h e com p a-
n y (1)/ p lan s to tr an sform fr om
a (2)/ fam ily based bu siness into
(3 )/ a p r ofessi on al m an aged
on e. (4 )/ No error (5)
66. Am it star ted a sm all (1)/ con -
stru ction bu sin ess two years ago
(2)/ wh en t h e cou n tr y is (3)/
en joyin g a con stru cti on boom .
(4 )/ No error (5)
67. Gi ven th e cu rren t (1)/ m ark et
con dition s h as (2 )/ better for u s
to in vest (3 )/ in th e in frastru c-
tu re sector. (4 )/ No error (5)
68. Man y ath let es h ave (1 )/ tak en
on yoga (2)/ t o d evelop th eir
con cen tr ati on (3)/ an d r edu ce
st ress. (4 )/ No error (5)
69. Hi s m ain aim is (1 )/ to create
an (2)/ i n terest in h ock ey (3 )/
am on g sch ool ch ild ren . (4 )/ No
er ror (5)
70. Fi n d ou t wh ich par t of a sen -
tence h as an error an d th e nu m -
ber of t h at part i s you r an swer.
If a sen ten ce is fr ee fr om er -
rors, you r an swer is (4) i.e. No
err or
He says t h at (1 )/ H e r eads n ov-
els (2)/ to pass away th e tim e (3)/
No err or (4)
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
71. Fi n d ou t wh ich par t of a sen -
tence h as an error an d th e nu m -
ber of t h at part i s you r an swer.
If a sen ten ce is fr ee fr om er -
rors, you r an swer is (4) i.e. No
er ror.
If I were Zu bin , (1)/ I wou l d n ot
atten d (2)/ weddin g, com e wh at
m ay (3 )/ No error (4)
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
72. Fi n d ou t wh ich par t of a sen -
tence h as an error an d th e nu m -
ber of t h at part i s you r an swer.
If a sen ten ce is fr ee fr om er -
rors, you r an swer is (4) i.e. No
er ror.
Th e m inister for ‘Edu cation ’(1)/
veh em en tl y r efu sed (2)/ th e al-
l ega t i on t h a t h e h ad t ak en
br ibes. (3)/ No error (4)
(NI CL (GI C) Adm i n i st r at i v e Of f i c er
Ex am . 08 .0 9.2 01 3 Paper -I )
COMMON ERRORS
73. A sen t en ce w i t h fou r w or d s
pr in ted in bo l d is given . Th ese
are n u m bered as (1), (2), (3) an d
(4 ). On e of t h ese fou r wor d s
pr in t ed i n b old m ay be ei t h er
wron gl y spelt or i n appr opr i at e
i n th e con t ext of th e sen t en ce.
Fi n d ou t t h e w or d w h i ch i s
wr on gl y spel t or in app ropr iat e.
Th e i n fo r m at i o n (1 )/ pr ov i ded
(2 )/ to t h e staff was n ot ad ec u -
at e (3)/ an d everyon e r et al i at -
ed (4).
(NI CL (GI C) Adm i n i st r at i v e Of f i c er
Ex am . 08 .0 9.2 01 3 Paper -I )
74. Fi n d ou t wh eth er t h er e i s an y
gr am m atical err or or idiom at ic
er ror in it. Th e error, if an y, wi ll
be in on e part of t h e sen t en ce.
He walk ed as faster (1)/ as h e
cou ld so th at (2 )/ h e wou l d n ot
(3 )/ m iss t h e trai n t o work . (4)
(NI CL (GI C) Adm i n i st r at i v e Of f i c er
Ex am . 08 .0 9.2 01 3 Paper -I )
75. Fi n d ou t wh eth er t h er e i s an y
gr am m atical err or or idiom at ic
er ror in it. Th e error, if an y, wi ll
be in on e part of t h e sen t en ce.
Progress is im possible (1)/ with -
ou t ch an ge, an d th ose (2 )/ wh o
can n ot ch an ge t h ei r m in ds (3 )/
can n ot ch an ge n oth in g. (4)
(NI CL (GI C) Adm i n i st r at i v e Of f i c er
Ex am . 08 .0 9.2 01 3 Paper -I )
76. A senten ce with fou r words print-
ed in bol d t ype is given . Th ese
ar e n u m bered as (1), (2), (3) an d
(4 ). On e of t h ese fou r wor d s
pr in t ed in bold m ay b e eith er
wr on gly spel t or i n ap prop riate
in th e con text of t h e sen t en ce.
Fi n d ou t t h e w or d w h i ch i s
wr on gl y spel t or in app ropr iat e.
Wo r r i ed (1 )/ th at h e will fail in
th e exam s, Sat ish st ay ed (2) /
u p th e wh ole k i n gh t (3 ) / an d
st u di ed. (4)
(NI CL (GI C) Adm i n i st r at i v e Of f i c er
Ex am . 08 .0 9.2 01 3 Paper -I )
77. Fin d ou t which part of a sen tence
h as an er ror an d t h e n u m b er of
th at part is you r an swer. If a sen -
ten ce is fr ee from errors, you r
an swer i s (4) i .e., No error.
Last week ’s sh ar p h ik e i n th e
wh olesale pr ice of beef (1)/ is a
st ron g in dicati on for (2)/ h igh er
m eat cost to com e. (3 )/ No er -
ror (4)
(NI CL (GI C) AO (Fi n an c e)
Ex am . 1 5. 1 2. 20 13 )
-20-

Di r ect i on s (7 8 –8 7 ) : Read th is
sen ten ce to fin d ou t wh et h er th ere is
an yysramm atical m istak es/ error in it.
Th e error, if an y, wi ll be in on e part of
th e sen ten ce. Mark t h e n u m b er of t h e
part wit h t h e err or as you r an swer. If
th ere is n o err or, m ar k ‘No error’ as
you r an swer. (Ign or e t h e er r or s of
pu n ctu ation . If an y)
(NI ACL Ad m i n i st r at i v e Of f i c er
(AO) Ex am , 10. 01. 201 5 )
78. Or gan isat ion s h ave (1 )/ recogn -
ises th i s (2)/ growin g t ren d an d
(3 )/ con sider i t a positi ve step.
(4 )/ No error (5)
79. If you do n ot get en ou gh sleep
(1 )/ apart of h ealt h p robl em s,
(2 )/ you also r u n t h e risk of (3 )/
m ak in g bad fin an cial d ecisicn s.
(4 ) No error (5)
80. On th e n ext m on th on wards (1)/
you will n ot get t h e sm ar tcard
for you r car (2) / an d will h ave
to collect (3)/ it s p aper versi on
by sp eed post. (4)/ No error (5)
81. Wh ile what you apply (1)/ to you r
sk in is an essen ti al part (2 )/ of
you r sk in car e r egi m e, wh at you
eat are (3) of equ al im p ort an ce.
(4 )/ No error (5)
82. In fu se a sen se of (1)/ joy an d
en th u siasm (2) in t o you r dai ly
work (3) to m ak e it m ore i n ter -
estin g. (4)/ No error (5)
83. Th e M i n i st er p r ai sed t h e (1 )/
record voter tu r n ou t, an d cal l-
in g i t (2 )/ a victory for dem ocr a-
cy ir respective (3 )/ of th e ou t-
com e. (4 )/ No error (5)
84. Professionals with (1)/ k nowledge
of ch ild righ ts (2 )/ alon e sh ou ld
be app oin ted (3)/ on ch ild pr o-
tecti on u n it s. (4)/ No er ror. (5)
85. Wh i le t h e st u den ts of th e sch ool
(1)/ are gearin g u p to learn a new
lan gu age (2)/ those already learn-
in g t h e lan gu age are (3)/ a per -
tu rb n ot (4 )/ No error (5)
86. T h e t w o b r ot h er s w er e (1 )/
cau gh t wh ile tr yin g (2)/ to steal
gift pack ets (3)/ from a m arriage
h all. (4)/ No error. (5)
87. Gi f t l en d er s ar e (1 )/ k een l y
stu dyin g RBI’s gu idelin es (2)/ as
sever al ab ou t t h ese can soon
ap ply (3)/ for licen ses for sm all
ban k s. (4)/ No er ror. (5)
Di r ec t i o n s (8 8 –9 7 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m atical error or idiom atic er -
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
ror i n it . Th e err or, if an y, will be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is
n o er ror, th e an swer i s (5). (Ign or e er -
rors of pu n ctu ati on , if an y)
(NI ACL Ad m i n i st r at i v e Of f i c er
(AO) Ex am , 11. 01. 201 5 )
88. Th e wh olesal e Pr ice In dex (WPI)
base (1)/ i n fl ation i s on a decli n e
(2 )/ , dropped t o zero level, (3 )/
th e lowest in abou t five years (4)/
. No error (5)
89. Boyed by stron g sales mom entu m
by its car, (1)/ th e produ ction was
ram ped u p (2)/ within few m on th s
an d t h e plan t h as (3)/ b een ru n -
n in g on two sh ift operation s sin ce
20 14 (4)/ . No error (5)
90. Elect ron i c com pan y wi ll d ecid e
du ring (1)/ th e n ext bu sin ess year
fr om Apri l on (2)/ wh ere to bu i ld
an add iti on al m em or y ch ip plan t
an d (3 )/ will con sid ered overseas
locat ion s of th e facil ity (4)/ . No
er ror (5)
91. Un der th e pr oposal exp an si on of
t h e p r oj ect , (1 )/ Stat es wi ll b e
ab le to gen erat e (2 )/ an d digiti ze
th eir own data (3)/ with ou t wai t-
in g for cen t ral h el p (4). No err or
(5)
92. A Ch i n ese ci ty is (1)/ at tem pt to
force its eigh t million resident (2)/
to m em ori es an d recit e (3 )/ a se-
ri es of soci al ist val u es (4 )/ . No
er ror (5)
93. Ou r i n vesti gat ive visi ts to ru r al
In dia (1)/ was dives in to th e dark -
n ess t h at con tai n (2)/ th e m ass
of th e i ceb erg of wh i ch (3)/ t h e
complaints coming to u s were on ly
th e t ip (4)/ . No error (5)
94. So i t com es as som et h i n g of a
sh ock wh en (1)/ you look at t h e
actu al recor d an d d iscover th at
growt h an d job creati on (2)/ h ave
su b stan tial faster du ri n g p resen t
President (3)/ than th ey were du r -
in g t h e expr esi den t (4 )/ . No err or
(5)
95. Ch ild ren ’s l ives even in ru ral ar -
eas (1)/ n ow revol ve arou n d tel e-
vi sion (2 )/ an d in var iou s activi-
ties (3)/ on th e m obi le ph on e (4)/
. No error (5)
96. Non e of ou r program m es h as ever
(1 )/ seri ou sly tri ed to ach i eve a
clear an d con vin cin g (2)/ en ou gh
u n d erstan d to wh at on e tr ies (3)/
to ach ieve th rou gh edu cation (4)/
. No error (5)
COMMON ERRORS
97. Th e l aw com m ission wh ich h as
gone (1)/ in to th e issu e m ore th an
on ce, (2)/ h as prin ted ou t th at th e
ju diciar y alon e is n ot b lam e for
delays, (3)/ as th e fau lt equ al ly
li es with tardy in vestigator s an d
pr osecu tors (4). No error. (5)
Di r ect i on s (9 8–10 7 ) : Read each
sen ten ce to fin d ou t wh et h er th ere is
an y gram m atical error or idiom atic er -
ror i n it . Th e err or, if an y, will be in
on e p art of th e sen ten ce. Th e n u m b er
of th at part is th e an swer. If th ere is
n o er ror, th e an swer i s (5). (Ign or e er -
rors of pu n ctu ati on , if an y)
(NI ACL Ad m i n i st r at i v e Of f i c er
(AO) On l i n e Ex am , 1 2.0 1. 201 5 )
98. Em p loyees on frequ en t field vis-
its (1)/ will be m on itored throu gh
(2 )/ a satelli te appl ication an d
wi ll n ot bein g abl e t o (3)/ st ay
home du ring ou tdoor du ty h ou rs.
(4 )/ No error (5)
99. Th e Mi n ister wan ts sch ool tri ps
(1 )/ to b e l im i ted on dom est ic
destin at ion (2)/ an d h as already
di scu ssed (3 )/ t h e issu e at t h e
m eeti n g.(4)/ No error (5)
100. Wh en t h e r em ix st ayed tru e (1 )/
to th e origin al, t h e add iti on of
fl u te (2)/ an d m ou th h arp m ade
the ren dition (3)/ m ore appealed.
(4 )/ No error (5)
101. Wh y were you (1 )/ arr ested an d
(2 )/ h ow was you (3)/ tr eat ed in
jail ? (4 )/ No error (5)
102. Ob ese p eop le wi t h ou t (1 )/ an
overt m an ifestati on of (2)/ h eart
di sease experien ce (3)/ si len ce
cardiac dam age. (4)/ No error (5)
103. Th e d am age th at (1 )/ ou r sk in
su ffer s d ai l y, (2 )/ can b e r e-
pai red (3 )/ wi th th e h elp of an ti-
ox idan ts. (4 )/ No error (5)
104. Every road im pr ovem en t proj ect
(1)/ seek s t o er adi cati n g foot -
path s (2)/ u n der th e pretext (3)/
of wi den in g st reet s. (4)/ No er -
ror (5)
105. Th e m ove is aim ed on (1)/ at-
tracting m ore (2)/ private airlines
an d (3)/ provid in g relief to pas-
sen gers. (4 )/ No error (5)
106. The m an approach ed (1)/ th e girl
an d t ried to (2 )/ befrien d h er as
(3 )/ s h e w a s r et u r n ed fr om
sch ool. (4)/ No error (5)
107. Th e si ze of th e fram e sh ou ld be
(1 )/ prop ort ion ate to th e si ze of
you r face (2)/ as you r su n glass-
es (3 )/ h el p h igh l igh t you r fea-
tu res. (4 )/ No error (5)
-21-
 COMMON ERRORS
161. (3) 162. (3) 163. (2) 164. (4) 341. (3) 342. (1) 343. (3) 344. (1)
SHORT ANSWERS
165. (4) 166. (4) 167. (2) 168. (4) 345. (3) 346. (3) 347. (2) 348. (4)
169. (3) 170. (4) 171. (3) 172. (4) 349. (5) 350. (1) 351. (4) 352. (2)
NATIONALISED BANKS
173. (3) 174. (3) 175. (4) 176. (1) 353. (1) 354. (4) 355. (4) 356. (2)
& IBPS PO/MT/SO
177. (2) 178. (4) 179. (4) 180. (2) 357. (2) 358. (4) 359. (3) 360. (5)
1. (3) 2. (2) 3. (2) 4. (4) 181. (5) 182. (5) 183. (3) 184. (1) 361. (4) 362. (5) 363. (3) 364. (3)
5. (4) 6. (5) 7. (4) 8. (5) 185. (5) 186. (2) 187. (1) 188. (4) 365. (3) 366. (4) 367. (2) 368. (4)
9. (4) 10. (4) 11. (2) 12. (2) 189. (5) 190. (3) 191. (3) 192. (2) 369. (4) 370. (1) 371. (2) 372. (1)
13. (4) 14. (5) 15. (1) 16. (3) 193. (4) 194. (3) 195. (1) 196. (4) 373. (4) 374. (4) 375. (4) 376. (5)
17. (3) 1 8 . (1) 19. (4) 20. (3) 197. (4) 198. (4) 199. (1) 200. (2) 377. (4) 378. (1) 379. (3) 380. (4)
21. (4) 22. (2) 23. (5) 24. (1) 201. (2) 202. (4) 203. (1) 204. (2) 381. (2) 382. (5) 383. (4) 384. (3)
25. (4) 26. (3) 27. (3) 28. (3) 205. (5) 206. (4) 207. (4) 208. (3) 385. (1) 386. (5) 387. (1) 388. (5)
29. (1) 30. (4) 31. (2) 32. (3) 209. (5) 210. (3) 211. (4) 212. (3) 389. (4) 390. (1) 391. (3) 392. (5)
33. (2) 34. (3) 35. (4) 36. (3) 213. (3) 214. (3) 215. (3) 216. (5) 393. (3) 394. (4) 395. (2) 396. (3)
37. (5) 38. (4) 39. (3) 40. (4) 217. (4) 218. (2) 219. (4) 220. (3) 397. (2)
41. (1) 42. (1) 43. (4) 44. (3) 221. (5) 222. (4) 223. (3) 224. (1)
45. (2) 46. (5) 47. (5) 48. (4) 225. (3) 226. (5) 227. (2) 228. (4) SBI PO EXAMS
49. (3) 50. (5) 51. (4) 52. (5) 229. (4) 230. (1) 231. (2) 232. (2) 1.(2) 2.(1) 3.(3) 4.(5)
53. (1) 54. (1) 55. (5) 56. (2) 233. (4) 234. (1) 235. (3) 236. (1) 5.(4) 6.(1) 7.(5) 8.(3)
57. (3) 58. (4) 59. (5) 60. (4) 237. (4) 238. (5) 239. (2) 240. (3) 9.(5) 10.(2) 11.(4) 12.(2)
61. (1) 62. (2) 63. (2) 64. (3) 241. (2) 242. (3) 243. (2) 244. (4) 13.(4) 14.(3) 15.(3) 16.(1)
65. (1) 66. (4) 67. (3) 68. (2) 245. (4) 246. (2) 247. (4) 248. (4)
17.(5) 18.(4) 19.(3) 20.(4)
69. (1) 70. (3) 71. (3) 72. (5) 249. (1) 250. (5) 251. (1) 252. (2)
21.(5) 22.(2) 23.(4) 24.(1)
73. (4) 74. (3) 75. (3) 76. (4) 253. (2) 254. (2) 255. (1) 256. (3)
25.(2) 26.(2) 27.(5) 28.(3)
77. (2) 78. (3) 79. (4) 80. (3) 257. (3) 258. (4) 259. (1) 260. (4)
29.(2) 30.(5) 31.(4) 32.(1)
81. (2) 82. (4) 83. (3) 84. (2) 261. (5) 262. (2) 263. (4) 264. (3)
33.(1) 34.(5) 35.(2) 36.(1)
85. (3) 86. (4) 87. (3) 88. (3) 265. (2) 266. (3) 267. (5) 268. (5)
37.(5) 38.(4) 39.(3) 40.(2)
89. (4) 90. (1) 91. (4) 92. (5) 269. (1) 270. (1) 271. (3) 272. (3)
93. (3) 94. (4) 95. (2) 96. (1) 41.(4) 42.(3) 43.(5) 44.(3)
273. (2) 274. (4) 275. (2) 276. (1)
97. (3) 98. (2) 99. (1) 100. (5) 45.(4) 46.(3) 47.(4) 48 .(2)
277. (5) 278. (3) 279. (1) 280. (1)
101. (1) 102. (5) 103. (3) 104. (4) 281. (4) 282. (3) 283. (2) 284. (5) 49 .(3) 50 .(4) 51 .(4) 52.(3)
105. (2) 106. (4) 107. (2) 108. (1) 285. (1) 286. (3) 287. (4) 288. (4) 53.(3) 54.(3) 55.(2) 56.(1)
109. (3) 110. (1) 111. (2) 112. (1) 289. (3) 290. (1) 291. (3) 292. (3) 57.(4) 58.(1) 59.(2) 60.(4)
113. (1) 114. (3) 115. (4) 116. (5) 293. (4) 294. (3) 295. (5) 296. (2) 61 .(3) 62 .(1) 63 .(3) 64 .(2)
117. (2) 118. (3) 119. (4) 120. (2) 297. (5) 298. (2) 299. (5) 300. (1) 65 .(1) 66 .(5) 67.(3) 68.(1)
121. (1) 122. (3) 123. (2) 124. (1) 301. (3) 302. (4) 303. (4) 304. (3) 69.(2) 7 0. (5) 71.(2) 72.(4)
125. (5) 126. (1) 127. (5) 128. (4) 305. (1) 306. (3) 307. (3) 308. (4) 73.(4) 74.(1) 75.(1) 76.(4)
129. (2) 130. (3) 131. (3) 132. (2) 309. (3) 310. (5) 311. (2) 312. (5) 77.(4) 78.(3) 79.(2) 80.(3)
133. (5) 134. (3) 135. (4) 136. (2) 313. (5) 314. (5) 315. (5) 316. (1) 81.(4) 82.(1) 83.(4) 84.(4)
137. (2) 138. (4) 139. (3) 140. (3) 317. (4) 318. (4) 319. (1) 320. (3) 85.(4) 86.(4) 87.(3)
141. (5) 142. (1) 143. (5) 144. (1) 321. (2) 322. (2) 323. (3) 324. (3)
145. (3) 146. (2) 147. (1) 148. (1) 325. (1) 326. (1) 327. (4) 328. (4)
RBI GRADE–B
149. (4) 150. (3) 151. (3) 152. (1) 229. (5) 330. (4) 331. (2) 332. (4)
OFFICER EXAMS
153. (2) 154. (2) 155. (5) 156. (4) 333. (3) 334. (4) 335. (1) 336. (4) 1. (1) 2. (4) 3. (4) 4. (4)
157. (3) 158. (1) 159. (2) 160. (4) 337. (1) 338. (2) 339. (5) 340. (4) 5. (3)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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 COMMON ERRORS
4. (4) To m ak e th e sen ten ce m ean - He is better t h an Ram . (3)
INSURANCE EXAMS in gfu l, we sh ou ld u se t h em i n He is m u ch b ett er th an Ram . (3)
pl ace of i t . 16. (3 ) Th e wor d ‘deter’ is fol lowed
1. (1) 2. (2) 3. (4) 4. (2) 5. (4) J u st l aw i s i n t h ir d p erson by preposition ‘from ’. Th ere-fore,
5. (3) 6. (4) 7. (4) 8. (1) si n gu lar n u m ber. So, i n t er fer e ‘wom en fr om h avi n g’ is th e cor -
9. (3) 10. (5) 11. (3) 12. (3) wi ll be repl aced with i n t er f er es. rect u se.
13. (2) 14. (1) 15. (4) 16. (4) The sen ten ce is in Sim ple Presen t For exam p le: Wh at is th e best
Ten se. way t o deter you n g people fr om
17. (1) 18. (2) 19. (5) 20. (3)
6. (5) No er ror. tak in g u p sm ok in g ?
21. (2) 22. (1) 23. (4) 24. (2)
7. (4) We u se ai m at an d n ot ai m 17. (3) ‘As best as’sh ou ld be replaced
25. (3) 26. (2) 27. (3) 28. (5)
befor e. Ai m at i s a ph r ase th at wi th ‘as best’. Th e id iom ‘as best
29. (2) 30. (1) 31. (4) 32. (5) sh ou l d b e u sed h er e. on e can ’m ean s n ot perfect ly b u t
33. (1) 34. (2) 35. (3) 36. (3) 8. (5) No er ror. as well as on e is able to. For ex-
37. (1) 38. (3) 39. (3) 40. (4) 9. (4) ‘Look m u ch n ice’sh ou ld be ample, th e facilities were not ideal
41. (3) 42. (2) 43. (2) 44. (1) replaced wit h ‘look very n ice’. It b u t w e m an a ged as b est w e
45. (5) 46. (3) 47. (2) 48. (4) sh ou ld be n oted th at very is u sed cou ld.
49. (3) 50. (4) 51. (3) 52. (5) t o m od i fy Ad j ect i ves an d p ast 18. (1) Th e grou p of words ‘som e of
p ar t ici p les u sed as Adj ect i ves. th e worl d’sh ou ld be rep laced by
53. (4) 5 4 . (5) 55. (1) 56. (1)
For ex am pl e, ‘som e of th e world ’s’. H ere Pos-
57. (2) 58. (2) 59. (3) 60. (3) sessi ve Case sh ou l d b e u sed to
I am ver y h u n gr y. (Ad jective)
61. (2) 62. (4) 63. (1) 64. (1) m ak e th e sen ten ce cor rect.
I am very in ter est ed in m u si c.
65. (4) 66. (3) 67. (2) 68. (5)  19. (4) Ch all en ges are two (pover ty
69. (5) 70. (3) 71. (3) 72. (2) and u nemployment), hence in plu -
Past Participle
73. (3) 74. (1) 75. (4) 76. (3) ral n u m ber. Hen ce ........ are pov-
10. (4) ‘An oth er’is an in defin ite de- erty and u n employmen t — will be
77. (3) 78. (2) 79. (2) 80. (1) term i n er wh ich m ean s an add i-
a cor rect sen t en ce.
81. (3) 82. (5) 83. (2) 84. (4) ti on al person or th in g. Th e u se
20. (3) Here, ‘loan s’i s Nou n . An ad-
85. (4) 86. (5) 87. (3) 88. (1) of ‘on e’aft er it is su perfl u ou s.
jecti ve qu alifies a Nou n . H en ce,
89. (1) 90. (4) 91. (1) 92. (2) 11. (2 ) ‘Alm ost a h ou r ’sh ou l d b e r e-
u se ‘ed u cat i on al ’ (Ad ject ive) i n
pl aced with ‘alm ost an h ou r ’b e-
93. (2) 94. (3) 95. (5) 96. (3) p l ace of t h e wor d ‘ed u cat i on
cau se ‘h ’ of h ou r is Pr on ou n ced (Nou n)’.
97. (3) 98. (3) 99. (2) 100. (4) wi th vowel-sou n d. For exam pl e,
101. (3) 102. (4) 103. (5) 104. (2) 21. (4) Th e p rep osi tion ‘for’ h as al-
Ram i s a h on est m an . (×)
105. (1) 106. (4) 107. (5) ready been u sed before th e word
 ‘com peten cy’.
Vowel sou n d Hen ce, u se of ‘for ’ b efore ‘good
EXPLANATIONS Ram i s an h on est m an . (3) com m u n ication sk ill s’i s su per –
 flu ou s.
NATIONALISED BANKS Vowel sou n d 22. (2 ) Th e word qu alification is fol-
12. (2 ) ‘You stay’sh ou ld be rep laced lowed by preposition ‘for’. Hen ce,
& IBPS PO/MT/SO replace ‘on ’by prepositi on ‘for ’.
with ‘you on stayin g’, becau se ‘in -
1. (3) T h e s en t en ce i s i n Pa s t sist’is always followed by prepo- 23. (5 ) No error.
Ten se. Th e u se of h ad l ost an d sit ion ‘on ’. For exam p le, 24. (1) As on e of’t h e leadin g (Adjec-
r epl i ed m ak e it evi den t. So, we Sh e will in sist on gettin g u p early ti ve) ---- sh ou l d b e u sed h er e.
can ’t u se co n t ai n (V 1 ) h er e. an d p layin g h er radio very lou d. 25. (4) Replace ‘in In d ia in sh or t’by
Con t ai n wi ll b e r ep l aced wi t h 13. (4 ) ‘So b ad’ sh ou ld be rep laced ‘in India shortly’. Th e word sh ortly
con t ai n ed (V 2 ). wi th ‘so bad ly’. B ad is an adjec- m ean s : soon ; a sh ort tim e.
2. (2) In place of forbearan ce t o, we t i ve an d i t s Ad ver b i al for m i s Loo k at t h e sen t en c e :
shou ld u se for bearan ce t owar ds. badly. For exam pl e, I wil l be ready sh ortl y.
Fo r bear an c e (Nou n ) m ean s p a- The accident damaged his car bad.(x) 26. (3) Two n egatives m ak e a posi-
t i en t sel f- con t r ol ; t ol er an ce :   ti ve. Hen ce u se ‘ t h er e h as n ot
sh ow forbearan ce towards som e- Verb Adjective been an y or th ere h as been n o’
b od y; ex er ci se for b ear an ce i n The accident damaged his car badly.(3) in pl ace of ‘t h ere h as b een an y’
deali n g with peopl e.   to m ak e th e sen ten ce m ean in g-
3. (2) In pl ace of abou n di n g wi t h Verb Adverb fu l.
we sh ou ld u se abou n d wi t h . 14. (5 ) No error. 27. (3) Th e Reporti n g Verb is in Past
Abo u n d wi t h is a ph r ase t h at 15. (1 ) ‘It i s m ore better’ sh ou ld be Ten se. Hen ce in In d irect stat e-
m ean s con tain ed, fu l l of. replaced wit h ‘it is bett er’. Th e m en t, Past Ten se sh ou ld be u sed.
u se of d ou b l e com p arat i ves i s Th erefore....... a com prom ise was
For ex am pl e,
wr on g. For exam pl e, reach ed an d ..... will be th e cor -
l Assam for ests ab ou n ded wi th rect u sage.
wild an im als. He is m or e b etter t h an Ram . (×)
28. (3 ) H ere, an in fin iti ve sh ou ld be
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u sed. Hen ce u se ‘to grow at seven ’
in pl ace of ‘on gr owt h at seven ’.
29. (1) It is im proper to u se Past Tense
(Passi ve Voice).
Hen ce, u se Sim p le Past/ Pr esen t
Perfect h er e.
Th erefore, t h e m in i str y con si d-
er ed .... will be cor rect u sage.
30. (4) Replace, ‘dou bled that received
in 1997’by ‘twice t o th at recei ved
in 19 97 ’.
31. (2 ) Repl ace, ‘will be m ade clearl y’
by ‘will be m ad e cl ear ’.
Lo ok at t h e sen t en ce :
I h ope I m ade i t cl ear to h im th at
h e was n o lon ger welcom e h er e.
32. (3 ) Replace ‘by ban k s on n u m er -
ou s of’wit h ‘by b an k s on n u m er -
ou s’. Th e wor d n u m er ou s m ean s
m any. It is im proper to u se prepo-
si tion ‘of’h er e.
Lo ok at t h e sen t en ce :
He h as b een late on n u m erou s
occasion s.
33. (2 ) Use ‘for cl ear an ce of ’ h er e.
34. (3) Th e su bj ect of th e sen t en ce
‘Th e Reserve Ban k of In dia’s deci-
sion’is in Singu lar Nu mber. Hence,
it will tak e Singu lar Verb ‘h as’.
35. (4 ) Replace ‘diseases abou t m a-
laria an d tu bercu losis’by ‘diseases
li k e m alar ia an d tu bercu l osis’.
36. (3) Replace ‘th at m ill ion s of farm -
ers will be’by ‘that millions of farm-
er s are’.
Here, fi rst part of t h e sen ten ce is
in Fu tu re Ten se. H en ce it wi ll be
cor r ect t o u se secon d p ar t i n
Pr esen t Ten se. Th en i t will pr o-
vi de cor rect sen se.
37.(5) No er ror.
38. (4) Rep lace ‘u n less we d o an y-
thin g’by ‘u nless we do someth ing’
39. (3) It is proper to u se su perl ati ve
form of b ad i.e. ‘wor st’ h er e.
40. (4) Th e su bj ect of th e sen t en ce is
Pl u ral th at wil l t ak e Plu ral Pos-
sessi ve. Th er efore, repl aces get
cu stom ers to bu y i ts good s’ by
‘get cu st om ers b u y th eir good s’
Here ‘to’h as been wr on gly u sed.
41. (1) Private compan ies whose prof-
it s --- will be th e correct u sage.
42. (1) Use Per fect Par tici ple (Havin g
+ Past Parti cip le). H en ce, h avi n g
work ed i n ..... wi ll be th e correct
sen t en ce.
43. (4) As an ‘Adverb’m odifies an ‘Ad-
jecti ve’too. Hen ce, ‘a profession -
al ly m an aged on e’wil l b e a cor -
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rect u sage.
44. (3 ) Th e sen t en ce sh ow s p ast
even t . Hen ce, wh en th e cou n t ry
was ... will be a corr ect sen ten ce
45. (2) Th e sen t en ce sh ows fu t u r e
t im e. H en ce, gi ven th e cu rr en t
m ark et con di dti on s it wil l b e ...
sh ou l d b e u sed h er e.
46. (5) No er ror.
47. (5) No er ror.
48. (4) Th e su bject of t h e sen ten ce
‘t h ese com p an i es’ i s Pl u r al .
H en c e, ‘i t s b o a r d m em b er s ’
shou ld be replaced by ‘th eir board
m em bers’.
49. (3) Th e su bject of th e sen ten ce is
‘t h e sch em e’th at is Sin gu lar an d
it wi ll t ak e Si n gu l ar Ver b. H en ce,
‘requ ire an addition al in vestm ent’
sh ou ld be replaced by ‘requ ir es
an addi tion al in vestm en t’.
50. (5) No er ror.
51. (4) Rep l ace ‘an d su p er vi se t h e
n ew staff’by ‘an d su per visin g th e
n ew st aff’ as w or d ‘ar r an gi n g’
(Present Participle) h as been u sed
befor e con n ecti ve ‘an d ’.
52. (5) No er ror.
53. (1) Th e corr ect form of Id iom is
‘owin g to’t h at ex presses reason .
H en ce, ‘owi n g t h e n ew p ol i cy’
sh ou ld be replaced by ‘owi n g to
th e n ew pol icy’.
54. (1) Replace ‘sin ce th e lack of’by
‘d u e to lack of’. ‘For wan t/ lack of’
can also be proper ly u sed.
55. (5) No er ror.
56. (2) Determ in er ‘a few’tak es plu ral
Nou n or Pron ou n . H en ce, ‘a few
com pan y’sh ou ld be replaced by
‘a few com pan ies’.
57. (3) Replace grou p of words ‘raised
t o 6 .1 p er c en t ’ b y ‘r i sen ’ /
in creased to 6.1 p er cen t ’.
58. (4) It is proper to u se pr epositi on
‘for’ h er e. Hen ce, rep lace ‘avai l-
ab le to everyon e’by ‘avail abl e for
ever yon e’.
59. (5) Lo ok at t h e sen t en ces :
I did n ot go to m an y con cert s.
Man y a good m an h as been d e-
st royed b y d rin k .
Man y of th ose presen t disagreed.
60. (4) Wh en th ere are two t h in gs in
com par ison / relati on , it is appro-
priate to u se con n ective ‘between’.
Hen ce, ‘played between In dia an d
Au stral ia’will be a cor rect u sage.
61. (1) Replace grou p of wor ds ‘Th is
is tu rn ed ou t t o b e’ (Passive) by
COMMON ERRORS
‘Th is tu r n ed ou t t o b e’(Act ive).
62. (2) Replace ‘fin an cial in stit u ti on
si m il arly to a ban k ’b y ‘fin an ci al
in stit u ti on sim i lar to a b an k ’.
63. (2) In fin itive i s u sed as : (to) + V 1 .
H en ce, u se ‘com p l y w i t h t h e
norms’in place of ‘compliance with
th e n orm s’.
64. (3) It wil l b e p roper t o u se Sim p le
Past h ere. Replace ‘were very com -
fortable tal k ed ’by ‘very com for t-
ab ly t alk ed/ wer e very com for t-
ab le in tal k in g.
65. (1) Replace ‘Ou r equ ip m en t gets
dam age (V 1 )’ by ‘ou r equ i pm en t
gets dam aged (V 3 )’.
66. (4) Replace ‘by th e en din g of t h e
year’wit h ‘b y t h e en d of t h e year ’.
67. (3) Su bject (company) is sin gu lar.
Hence, to pay ists employees' sala-
ri es ------ sh ou ld be u sed.
6 8 . (2) Here th e Su bject i s Sin gu lar,
h en ce Sin gu l ar Verb (i s) sh ou ld
be u sed.
69. (1) Replace grou p of wor ds ‘Non e
of the Stu den t (Singu lar)’by ‘None
of th e stu d en ts (Plu r al)’.
70. (3) For a person ‘wh o’sh ou ld be
u s ed a s a r el at i v e p r on ou n .
H en ce, r ep l ace ‘wh i ch d i d n ot
blindly follow’by ‘who do not blind-
ly fol low’.
Here it is im p orop er to u se Past
In d efin ite (Negative).
71. (3) Replace grou p of words ‘b u t
h e seem ed to h ave’ by ‘b u t h e
seem s to h ave’
Her e th e first par t of th e sen ten ce
is Pr esen t In d efi n it e.
72. (5) No er ror.
73. (4) Here th e su bject ‘th e pr ivate
credit m ark et’is in Sin gu lar Nu m -
ber t h at wil l t ak e Si n gu l ar Ver b.
Hen ce, ‘weak en s power of m on e-
tary pol icy’sh ou ld be u sed.
74. (3) It is u n wise to u se d ou bl e su -
perlat ives.
Hence, ‘the most noisy cam paign s’
sh ou ld be u sed.
75. (3) Th e senten ce sh ows past tim e.
Hen ce, u se Sim ple Past h ere i.e.
‘t h e fir m m an aged th r ou gh a di f-
ficu lt p eriod’.
76. (4) Here th e Verb wil l agree ac-
cordin g to th e Nu mber of th e word
‘em i ssi on ’. H en ce, ‘r em ai n s a
cau se of wor ry’sh ou ld be u sed.
77. (2) It wi ll be proper to u se t h e
Posit ive Degree.
Hen ce, Th e rat e of m etab oli sm of
-24-

a bod y is com parat ively l ow .....
wi ll be cor rect sen t en ce.
78. (3) Gr ou p of words ‘wi th th e vot-
ers by p ressi n g’ sh ou l d be re-
pl aced by ‘am on g t h e voters by
pr essin g’.
79. (4) Replace ‘on strik e since tom or -
row’by ‘on strik e fr om tom orr ow.
Preposition ‘since’is u sed to show
a tim e in th e past u n til a later past
ti m e or u n ti l n ow.
Lo ok at t h e sen t en ce :
He h as b een wor k in g i n a ban k
si n ce leavin g sch ool.
80. (3) Replace ‘rat e for u n em ploy-
m en t’by ‘rat e of u n em p loym en t ’.
81. (2) Th ere is an Arti cle related er -
ror. Here, ‘a lyin g’sh ou ld be u sed
as ‘1 ’sou n ds as a con son an t.
82. (4) Replace ‘am on g wi th th e aca-
dem ic sk ill s’ by ‘alon g wit h t h e
academ ic sk il ls.
83. (3) Th ere are two p ossibi liti es in
fu tu r e. H en ce, th e fi rst possib le
even t sh ou l d b e ex p r essed i n
Si m pl e Pr esen t. Hen ce, replace
‘if I h ave recovered’b y if I r ecover.
84. (2 ) I n I n d i r ec t s t a t em en t , i f
Repor tin g Verb Past Ten se th en
th e verb is in of Rep orted Speech
wi ll also be in Past Ten se. H en ce,
t h at t h e t ax es wou l d b e .... a
correct u sage.
85. (3) It is im proper to u se Ar ticle
‘t h e’. Th ere is discu ssion of on ly
on e p erson an d n o two art icl es
ar e n eeded.
86. (4) Wh en we u se Nei th er....n or,
th e verb agrees with th e n u m ber/
person of th e nou n / pronou n u sed
after ‘n or.
Hen ce, k n owledge was requ ir ed
....... will be correct u sage.
87. (3) Here, th e Repor tin g Verb is in
Past Ten se. Hen ce, replace ‘rai n s
an d th u n derstorm m ay’by ‘rai n s
an d th u n derstorm m igh t’,
88. (3) Un til sh ou ld be followed by an
affir m ative sen ten ce. Hen ce u n til
t h ey con fessed t h eir cr im e .....
wi ll be cor rect u sage.
89. (4) Replace grou p of words ‘an d
repor t th e m att er to h im ’by ‘an d
repor ted th e m att er to h im ’.
90. (1) Replace ‘in stead of’by ‘in spite
of’.
Lo ok at t h e sen t en ce :
Th ey wen t swim m in g in spi te of
al l th e d an ger sign s.
Now I can walk to wor k in stead of
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goin g by car.
91. (4) Replace grou p of words ‘to five
year’s im pri son m en t’by ‘to five-
year im pri son m en t’.
Rem em ber : Nu m eral Adjective +
h yp h en + Nou n (Sin gu lar ).
92. (5) No er ror.
93. (3) Plu ral su bject tak es plu ral verb.
H en c e, ‘sy st em an d n eed t o’
sh ou ld be u sed.
94. (4) Here passi ve voi ce sh ou l d be
u sed. H en ce, r ep lace ‘wh i ch i s
yet t o tak e’by ‘wh i ch is yet to be
tak en ’.
95. (2 ) Here ger u n d sh ou ld be u sed.
Hen ce, ‘process of fi n al ised n ew
policy’ by ‘ pr ocess of fin al isi n g
n ew policy’.
96. (1) Defin i te article ‘th e’sh ou ld be
u sed.
97. (3) ‘Pay m or e t h an t h ose t h at ’
sh ou ld be u sed.
98. (2 ) Rep l a c e ‘w o r l d ’s l ea d er
m an u factu rer’by ‘world’s leadin g
m anu factu rer’. The word ‘leadin g’
is an ad jective.
99. (1 ) Th e word ‘per cen t’i s followed
by pr eposit ion ‘of’. Hen ce, ‘over
ei gh t y per cen t of u s’ sh ou l d be
u sed.
10 0. (5 ) No error.
101. (1) ‘With th e l iteracy rate in th i s’
sh ou l d be u sed
102. (5) No err or
103. (3) Replace ‘clear in dication s th at
ou r’by ‘cl ear in d ication t h at ou r’
as article ‘a’shows singu lar sen se.
104. (4 ) Replace ‘sh ares by th e com -
pan y’b y ‘sh ares of t h e com pan y’.
105. (2 ) Before cou n table Nou n s/ Pr o-
n ou n s, ‘h ow m an y’ sh ou l d b e
u sed. Hen ce, rep lace ‘ask h ow
m u ch of t h e you th ’ by ‘ask h ow
m an y of th e you th s’.
106. (4 ) Two even ts are li k el y i n fu -
tu re. Hence, ‘will be a h igh growth
rate t h is year’sh ou ld be u sed.
107. (2 ) H ere ‘gover n m en t spon sor ed
job gu aran tee program me’shou ld
be u sed.
108. (1) Replace ‘we h ad ex ten sively
discu ssion s’by ‘we h ad exten sive
(Adjectiev) discu ssion s’, as an Ad-
jecti ve qu al ifi es a Nou n (di scu s-
sion s).
109. (3) Replace ‘th ose com pan i es to
sell’ by ‘th ose com pan ies wh i ch
sell’.
110. (1) Here, Passi ve Voice sh ou ld be
u sed. Hen ce, ‘Th ou gh he has been
COMMON ERRORS
pr om oted to’wi ll b e a correct u s-
age.
111. (2) Replace ‘of fu n ds n ow wi ll be
a prob lem wh y’b y ‘of fu n d s n ow
wi ll be a pr obl em as/ becau se’.
112. (1) Here, an in fin i tive sh ou ld be
u sed. Hen ce, ‘we were forced to
react ’ will be a p rop er rep lace-
m en t.
113. (1) Th e sen ten ce sh ows an acti on
to h ap pen in fu t u re. H en ce, r e-
pl ace ‘we ar e yet star tin g’b y ‘we
ar e yet t o start ’.
114. (3) Here, th e word ‘ch airm en ’th at
is a su bj ect i s in Pl u ral Nu m ber.
Its Possessive Case will be ‘th ei r’.
Hen ce, r epl ace ‘sen ior RBI offi-
ci als to give i ts’ by ‘sen ior RBI
Official s t o give th eir ’.
115. (4) It is proper to u se pr epositi on
‘on ’with th e word ‘impact’. Hen ce,
replace, ‘to h ave wit h th e econ o-
m y’b y ‘to h ave on th e econ om y’.
116. (5) No err or
117. (2) Replace ‘di spu tes n ow a days
becau se of’ by ‘di spu tes n ow a
days becau se’. It is su p erflu ou s
to u se pr eposition ‘of’as su bordi-
n ate clau se fol lows.
Lo ok at t h e sen t en ces :
He cou ld n ot att en d th e m eeti n g
becau se of ill n ess.
He cou ld n ot att en d th e m eeti n g
becau se h e was il l.
118. (3) Plu ral su bject agrees with plu -
ral verb. Hen ce, sy st em an d n eed
t o sh ou ld be u sed.
119. (4) Here, passi ve voice sh ou ld be
u sed . Hen ce, rep lace w h i ch i s
y et t o t ak e by wh i ch i s y et t o be
t ak en .
120. (2 ) Here, ger u n d sh ou l d be u sed.
Hen ce, pr ocess of fi n al i si n g n ew
po l i c y sh ou ld be u sed.
121. (1) Defin i te article ‘th e’sh ou ld be
u sed.
122. (3) H er e, ‘pay m or e t h an th ose
th at’sh ou ld be u sed.
123. (2 ) Here, ‘wo r l d ’s l ead er m an u -
fact u r er ’sh ou ld be replaced by
wo r l d ’s l eadi n g m an u f act u r er .
Th e wor d l ead i n g is an Adject ive.
124. (1 ) Th e word ‘per cen t’i s followed
by pr epositi on ‘of’.
Hen ce, ov er ei gh t y per cen t of
u s sh ou ld be u sed.
125. (5 ) No err or
126. (1) Here, ‘with th e li ter acy rate in
th is’sh ou ld be u sed.
127. (5) No err or
-25-

128. (4 ) Th e even t sh ows p ast tim e.
Hen ce, wh en h e reach ed th e of-
fi ce/ wh en h e h ad r each ed t h e
office .... sh ou ld be u sed.
129. (2 ) Th e even t sh ows p ast tim e.
H en ce, Past Per fect sh ou l d b e
u sed. Hen ce, h ad brou ght a m u ch
u n n ervin g gl oom .... sh ou ld be
u sed.
130. (3 ) Th e word t h r eat sh ou l d be
followed by ‘to’h ere. Hen ce, ser i-
ou s th reats to residents .... shou ld
be u sed.
131. (3) Th e from of an In fin it ive is : to
+ V 1 . Hen ce, to regu l ate th e pr o-
cess of .... sh ou ld be u sed.
132. (2 ) Here, u se of dou ble su perl a-
ti ves is su perflu ou s. Hen ce, In -
dia’s fastest growin g bir d san ctu -
ar y .... sh ou ld be u sed.
133. (5) No err or
134. (3) Here, awaren ess sh ou ld be fol-
lowed by pr epositi on ‘of’.
135. (4 ) Here, wh ich n eeded t o b e ad-
dr essed u rgen tl y .... sh ou l d be
u sed.
136. (2) Plu ral su bject agrees with plu -
ral ver b.
Hen ce, m an y peopl e con sider ....
sh ou ld be u sed.
137. (2 ) Here, Nou n form of th e word
‘c on s i d er ’ i . e. con si d er at i on
sh ou ld be u sed.
138. (4) Th e wor d L at el y (Ad v er b)
m ean s : recen tly; in th e r ecen t
past.
Th e wor d Lat er m ean s : at a tim e
in fu tu r e.
Lo ok at t h e sen t en ce : H e h ad
latel y retu r n ed fr om J apan .
We ar e goin g t o En glan d lat er in
th e year.
Hen ce, sc h i z oph r en i a l at er i n
l i f e sh ou ld be u sed.
139. (3) Here, prep osi tion ‘for’sh ou ld
follow th e word, ‘h on ou r ’.
Lo ok at t h e sen t en ce :
He h as b een h on ou r ed wit h a
k n igh th ood for

tit le
h i s scien tific wor k .

cau se
Hen ce, fo r t h ei r co n t r i bu t i o n s
i n t h ei r ch osen fi el ds sh ou ld be
u sed.
140. (3) Here, an Ad ject ive sh ou l d be
u sed wh i ch qu alifies a Nou n .
Hen ce, those u n fortu nate (Adjec-
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tive) bein gs (Nou n ) called foreign -
er s, bu t ..... sh ou ld be u sed.
141. (5 ) No error.
142. (1 ) H ere, H e i s th e first film pr o-
du cer or He is on e of th e fi lm
pr odu cer s ...... sh ou ld be u sed.
143. (5 ) No error.
144. (1 ) H er e, Res u l t s fou n d .. ...
sh ou ld be u sed.
145. (3 ) Here, th e acad em ic resu l ts of
ch ild ren ...... sh ou ld be u sed.
146. (2 ) Th e even t sh ows p ast tim e.
H en ce, yest er d ay , as m ost of
th em tu rn ed u p (si m pl e past) ....
sh ou ld be u sed.
147. (1 ) H ere Th e stu d y focu sin g ex-
cl u si vel y on .... sh ou ld be u sed.
Lo ok at t h e sen t en ce :
Th e discu ssion focu sed on th ree
m ain probl em s.
148. (1) Pl u ral Su bj ect agrees with a
Plu r al Ver b. Hen ce, su gar -sweet-
en ed drin k s do n ot .... sh ou ld be
u sed.
149. (4) Here, du e to the adoption (Nou n)
of u n safe p rocedu r es .... sh ou ld
be u sed.
150. (3 ) Here, Si m ple Past sh ou ld be
u sed. Hen ce, an n ou n ced a seri es
of .... wil l b e a cor rect u sage.
151. (3 ) Th e word au di en c e i s u sed
both in plu ral and singu lar. Hence,
with au dien ce respon din g warm -
ly ..... sh ou ld be u sed.
152. (1) Her e, Th e act ress was ordered
to ...... sh ou ld be u sed.
153. (2) Here, Geru n d sh ou ld be u sed.
Hen ce, drawin g on th eir person al
ex per ien ces ...... wi ll be a correct
u sage.
154. (2) Here, Geru n d sh ou ld be u sed.
Hen ce, n ever en joys stick in g (Ger -
u n d) to on e k i n d of r ole ..... wi ll
be a coorect u sage.
155. (5 ) No error.
156. (4 ) Th e word ad m i n i st er t ak es
preposit ion ‘to’. Hen ce, adm i n i s-
t er ed t o t h ei r pat i en t s shou ld be
u sed.
157. (3) Here, overh eard tal k in g abou t
..... sh ou ld be u sed.
158. (1 ) Here, w ei gh t t o sh ou l d b e
u sed.
159.(2 ) Repl ace wo u l d h ad by wou l d
h av e.
160. (4 ) H ere, Si m pl e Presen t i.e. you
ach ieve n oth in g-sh ou ld be u sed.
161. (3 ) It is im proper to u se ‘to’b e-
fore ‘let ’.
COMMON ERRORS
162. (3 ) H ere, to + V 1 i .e. t o defi n e
sh ou ld be u sed.
163. (2) Here, ad v i ce of sh ou l d b e
u sed.
164. (4) Here, wo u l d gr o w sh ou ld be
u sed as it sh ows fu tu re tim e.
165. (4) Here V 3 i.e. ask ed sh ou l d be
u sed as Past Perfect Ten se h as
been u sed.
166. (4) Here, su r fac e (Nou n ) sh ou ld
be u sed.
167. (2) Here wh i l e wr i t i n g t h i s book
sh ou ld be u sed. Conn ective wh i le
ex presses p eri od of tim e.
168. (4) Ph rase fade away m ean s : to
di sap pear gr adu all y; to b ecom e
very weak .
Ph rase fade ou t m ean s : to b e-
com e less cl ear or qu i eter.
H en ce, t h ei r r esi st an ce fad ed
away ..... sh ou ld be u sed.
169. (3) Here, in fi n i ti ve i .e. to open
th e d rai n s b lock ed ..... sh ou ld
be u sed.
170. (4) In th e sen ten ce, dou bl e com -
p ar at i ve sh ou l d n ot b e u sed .
Hen ce, th e j oin t decision s were
m u ch b ett er.... sh ou ld be u sed.
171. (3) Here, a su r vey on m an age-
m en t ed u cati on t h i s year h as
t h r ow n / t h r ew ..... sh ou l d b e
u sed.
172. (4) Here, th e option s (pl u ral ) are
cl ear l y i n ad equ at e sh ou l d b e
u sed.
173. (3) Th e first part of th e sen ten ce
is in past ten se an d th e sen ten ce
sh ows p ast t i m e. H en ce, an d
m ore frien ds joi n ed – sh ou ld be
u sed.
174. (3) Here, th e su bject of th ere is
too m u ch h ype wh ich is u ncou nt-
abl e n ou n . Hen ce, Sin gu lar Verb
i .e. i s t oo m u ch h yp e arou n d
(ab ou t ) si ze zer o – sh ou l d b e
u sed.
175. (4) Th e an teced en t of th at is in
pl u ral n u m ber. Hen ce, th at win
h er frien ds – sh ou ld be u sed.
176. (1) Here, Past Sim p le i.e. Even
th ou gh th e exch an ge at tracted –
sh ou l d b e u sed as t h e even t s
sh ow p ast tim e.
177. (2) Here, Pr esen t Sim p le i.e. an d
i n t h e n ex t qu ar t er we ex p ect
sh ou l d b e u sed as fu t u re ti m e is
in vol ved.
178. (4) An Ad j ect i ve a d d s t o t h e
m eaning of Nou n . Hen ce, its lead-
ing bowlers n ot playing — sh ou ld
be u sed.
-26-

179. (4) Th e p ossessi ve case of ‘it’ is
its. Hen ce, an d ren ewin g its faith
wi th — sh ou ld be u sed.
180. (2) H er e, ‘p r i or t o’ sh ou l d b e
u sed.
181. (5) No er ror. 182. (5 ) No error.
183. (3) Here, in finitive sh ou ld be u sed
a f t er h o w . H en c e, I n d i a i s
l ear n i n g h ow t o n egot i at e .....
sh ou l d b e a cor rect u sage.
184. (1) Here, Passive Voice of Past
In defin it e i .e. Th e gracefu l folk
dan ce was perform ed ..... sh ou ld
be u sed.
Lo ok at t h e st r u ct u r e :
Su bject + was/ were + V 3 (Past
Participle)
185. (5) No er ror.
186. (2) Her e u se of p assi ve voi ce is
im prop er as th e doer i s active.
Hen ce, wh o till n ow pay property
tax ...... sh ou ld be u sed.
Here, Si m pl e Past can al so be
u sed.
187. (1) Here, Passi ve voice of Sim p le
Pr esen t i .e. A tim e sh eet diary is
m ai n tain ed ....... sh ou ld be u sed
becau se i t expr esses a regu l ar
pr acti ce.
188. (4) Here, h el pin g i n p reven ti n g
(ger u n d ) d am age t o t h e gr ey
m atter ........ sh ou ld be u sed.
189. (5) No er ror.
190. (3) Here, wh i ch was pl an n i n g to
st rik e at ....... sh ou ld be u sed.
191. (3) Here, th e n u tri tion al val u e of
th eir food i n an effort t o n egate
sh ou l d be u sed
Lo ok at t h e sen t en ce :
Th e com p an y h as l aid off 1 50
w or k er s i n an effor t t o save
m on ey.
192. (2) Here, th ere is a prepositi on
r el at ed er r or. H en ce, year s of
research in th e ....... sh ou ld be
u sed.
193. (4) Here, basic r igh t of all th e cit-
izen s (p lu r al) of In d ia .... sh ou ld
be u sed. Al l i s u sed wit h p lu r al
nou n s.
Lo ok at t h e sen t en ces :
Cars wer e com i n g from al l d irec-
tions.
Al l h orses are an i m al s.
194. (3) Here, A sh ar p fal l i s th e su b-
ject th at i s sin gu lar.
H en ce, h as led t ea p lan t ati on
work ers .... sh ou ld be u sed.
St ru ctu r e of sen ten ce in Pr esen t
Perfect :
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Su bject + h as/ h ave + V 3 (Past
Participle).
195. (1) Here, Th ou gh fr eed om of t h e
pr ess is vit al to dem ocracy .....
sh ou ld be u sed. Th ou gh m ean s :
despi te t h e fact.
Here, u se of in spi te is n ot prop-
er. In sp ite of = despit e.
196. (4) Here, In fi n itive i.e. to assu m e
th e ri gh t ..... or assu m in g th e
ri gh t ..... sh ou ld be u sed
197. (4) Here, th ere is an error of dou -
bl e com parat ives.
Hen ce, ch eap er air tran sport to
m i lli on s ..... sh ou ld be u sed.
198. (4) Pr esen t Sim ple i.e. focu s on
m ain stream film s only .... sh ou ld
be u sed.
199. (1) Here, Every In d ian ’s sh ou ld
be u sed.
200. (2) H er e, wh i ch ai m s to m ak e
Nation al ..... sh ou ld be u sed.
For n on -l ivi n g t h in gs, wh i ch is
u sed as a relat ive pron ou n .
201. (2) Her e, t h e sporti n g com m u n i-
ty h as respon ded .... sh ou ld be
u sed. It sh ows sin gu l ar sen se.
202. (4) Here, ex pected t o grow (i n -
fi n it ive- to + V 1 ) to eleven bi lli on
d ol l ar t h is year .... sh ou l d b e
u sed.
203. (1 ) H er e, Past Par t i ci p l e i .e.
D r essed i n bl ac k sh ou l d b e
u sed.
204. (2 ) Th e sen t en ce ex presses past
t i m e. H en ce, Past Si m p l e i .e.
parti cipan ts di d a si tu at ion al...
sh ou ld be u sed.
205. (5) No err or
206. (4 ) Th e wor d det er r en t (a t h i n g
th at m ak es som ebody l ess lik ely
to d o som et h i n g) agrees wit h
prepositi on ‘t o’.
Lo ok at t h e sen t en ce :
Hopefu lly th is pu n ish m en t wi ll
act as a deterr en t to ot h er s.
Hen ce, a det erren t to ou r cou n -
tr y ..... sh ou l d b e u sed h er e.
207. (4) Her e, at an average of si x
m on th s .... sh ou ld be u sed.
208. (3 ) In In dir ect Speech , i f th e r e-
por tin g verb is i n Past Ten se, th e
ver b o f t h e r ep or t ed sp eech
sh ou ld al so b e i n p ast ten se.
Hen ce, th at it was n ot a.... sh ou ld
be u sed.
209. (5) No err or
210. (3) Here, m ore lik ely to h ave...
sh ou ld be u sed.
211. (4) Here, i m perat i ves that is su b-
COMMON ERRORS
ject is p lu r al an d wil l agree wi th
a plu ral verb. Hen ce, al ways t h e
developm ent im peratives were ....
sh ou ld be u sed.
212. (3) Wh o is a relative pronou n u sed
for livin g th in gs. Hence, and m en -
tal agon y wh ich h e h ad t o su ffer
.... sh ou ld be u sed.
213. (3 ) H ere, pr epositi on in cl u di n g
sh ou l d b e u sed . H en ce, ei gh t
fligh ts inclu din g two internation -
al fl igh ts....will be a cor rect u s-
age.
Lo ok at t h e sen t en ce :
Ten people were k illed in th e riot,
in clu d in g a poli cem an .
214. (3 ) Here, th e ad ver bial form of
‘sim pl e’sh ou ld be u sed. H en ce,
it had ch opped down a fu ll grown
tr ee sim p ly becau se .... will be a
correct u sage.
215. (3 ) H ere, Sim p le Past (V 2 ) i.e. t h e
i n for m at i on t h ey gat h er ed ....
sh ou ld be u sed.
216. (5 ) No err or
217. (4 ) H er e, b ei n g ap p r eh en d ed
across t h e bor der .... sh ou ld be
u sed.
218. (2 ) H ere, did th e m an ager real ize
th at/ th e m an ager r eal ized th at
(Past Si m pl e) sh ou ld be u sed.
219. (4) Idiom in connection with some-
body/ som eth in g m ean s : for rea-
son s con n ected wit h som eb ody/
som eth in g.
Lo ok at t h e sen t en ce :
He h as been arrested i n con n ec-
ti on with th e m u rd er of t h e teen -
ager.
220. (3) Her e, as it ou twitt ed its oppo-
n en ts .... sh ou ld be u sed.
221. (5 ) No err or
222. (4) Here, leavin g beh ind few clu es
.... sh ou ld be u sed.
223. (3) Here, t h e sen se of t h e sen -
t en ces ex p r esses fu t u r e t i m e.
Hen ce, Fu tu re Sim ple i.e., or wi l l
go i n t o on e sh ou ld be u sed.
224. (1) Here, Nou n i.e. Th e an ger at
bein g .... sh ou ld be u sed.
Lo ok at t h e sen t en ces :
He was fill ed with an ger. (Nou n )
Hu n dreds of an gry dem on strators
fi lled th e squ are. (Adjective)
225. (3) Here, Past Per fect sh ou ld be
u sed . H en ce, con su m er con fi -
den ce in dex h ad .... wil l b e a cor -
rect u sage. Moreover, in dex is sin -
gu lar e an d i t will n ot agree wi th
wer e.
-27-

226. (5 ) No error.
227. (2) Here, for th e ever growin g (Ad-
jecti ve) .... sh ou ld be u sed.
Lo ok at t h e sen t en ce :
A growin g n u m ber of p eopl e are
retu r n in g t o fu ll tim e edu cati on
228. (4) We u se an Adverb to m od ify a
Verb . H en ce, pr ob abl y drop by
for a wh ile .... sh ou ld be u sed.
229. (4) Here, over .... on th e p ligh t of
far m ers in t h e cou n tr y .... sh ou ld
be u sed.
230. (1) Here, owin g to th e growin g cri-
si s .... sh ou ld be u sed.
In respon se to m ean s : a wri tt en
or spok en an swer ; a reacti on to
som et h in g t h at h as h app en ed.
231. (2) Here, th e open in g set again st
h er opp on en t .... sh ou ld b e u sed.
Lo ok at t h e sen t en ce :
We ar e p layin g again st M u m b ai
XI n ext week .
232. (2) Here, V 3 Past Par ticipl e i.e.
m ay be lin k ed to overly .... sh ou ld
be u sed. Th e sen ten ce is in pas-
si ve.
233. (4) Here, to pay i t s em p l oy ees
sh ou l d be u sed becau se su bject
(airli n e) is sin gu lar.
234. (1) Th e stru ctu r e of a sen ten ce
in Pr esen t Perfect Ten se is :
Su bject + h as/ h ave + V 3 (Past
Participle)
Hen ce, we h ave recen t ly begu n
sh ou l d b e u sed h er e.
235. (3) Here, Nou n n ot an Adjecti ve
sh ou ld be u sed.
Hen ce, th e m an agem en t ’s con fi-
den ce .... sh ou ld be u sed.
236. (1) Here, In spit e of th e fact th at/
Despi te th e fact t h at ... sh ou ld
be u sed.
237. (4) Th e stru ctu r e of a sen ten ce
in Pr esen t Progressive %
Su bject + is/ am / are + V 4 (V-in g)
Hen ce, com pan ies ar e i n vesti n g
in In dia .... sh ou l d b e u sed h er e.
238. (5) No err or
239. (2) Here, in fin iti ve i.e. l ik ely to
cau se th e in flation ..... sh ou ld be
u s ed b ec a u s e t h e sen t en c e
sh ows fu t u re tim e.
240. (3) Here, su b ject i .e. th e n ation -
al isat ion of b an k s i s si n gu l ar.
Hen ce, t h e 1960 s h as protect-
ed .. sh ou ld be u sed.
241. (2) H er e, of am en d in g cu r r en t
(Ad jecti ve) .... sh ou ld b e u sed
b ecau se Ad j ect i ve qu al i fi es a
Nou n.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
242. (3) Here, ar e sh ou ld n ot be u sed.
243. (2) Here, an d t h e l east r egar d for
th e en vir on m en t sh old be u sed.
Lo ok at t h e sen t en ce :
H e i s t h e b est t each er, even
th ou gh h e h as th e l east ex per i-
en ce.
244. (4) Here, st rap ped on h is body
sh ou ld be u sed.
245. (4) Here, .... m eanin g to th eir work
li ves sh ou ld be u sed.
246. (2) Here, ar e b ett er positi on ed/
ar e i n better p osit ion .... sh ou ld
be u sed.
247. (4) Her e t h e u sers in th e west
sh ou l d be u sed becau se th e u se
of pr eposit ion aft er plu ral Nou n
m ak es it defin it e.
248. (4) Here, an d also perform th eir
ch ores sh ou ld be u sed.
249. (1) Here, Despit e m ater n al m or -
talit y rates sh ou l d b e u sed . D e-
sp ite = in spit e of.
250. (5) No er ror.
251. (1) Here, Even after so m an y years
(Cou n tab le Nou n ) of i n d ep en -
den ce sh ou ld be u sed.
252. (2) Here, stan dards of livin g com -
p ar ab l e (Ad j ect i ve) sh ou l d b e
u sed.
253. (2) Here, du e to l ack of in terest in
better part of people .... sh ou ld
b e u sed . Th e sen t en ce sh ows
cau se.
254. (2 ) Here, a boom in g (Adjective)
bu sin ess fu elled .... sh ou ld be
u sed . An Ad jecti ve qu al i fi es a
Nou n.
255. (1 ) ‘So..... th at’is cor rect form of
correlati ve. Hen ce, so m u ch is
th e i n flow of t ravellers th at ....
sh ou ld be u sed.
256. (3 ) H ere, i s l ead in g/ leads to a
proportion ate .... sh ou ld be u sed.
Th e stru ctu r e of a sen ten ce in
Pr esen t Progressive :
Su bj ect + is| am | are + Verb + in g
(V4)
257. (3 ) ‘Eit h er......or’is corr ect for m
of correlative. Hen ce, eith er dried
u p or are su fferin g .... sh ou ld be
u sed.
258. (4 ) Here, sp en d tim e with th eir
fam il y .... sh ou ld be u sed.
259. (1 ) H er e, Th e b an d h as b een
sh ou ld be u sed.
260. (4 ) Here, am on g th e pu blic ....
sh ou ld be u sed. Between is u sed
for two t h in gs.
261. (5 ) No err or
COMMON ERRORS
262. (2 ) H ere, Presen t Per fect i .e. pr e-
vaili n g i n t h e state, th e gover n -
m en t h as declared .... sh ou ld be
u sed.
263. (4 ) H ere, i n fi n it ive i.e. i s t o t ack le
can cer ....... sh ou ld be u sed.
264. (3 ) H ere, forest ran ge officers as
yet another instance of illegal .......
sh ou ld be u sed.
265. (2 ) Here, su b ject (Th e p oli cem en )
is pl u ral . H en ce, p lu r al verb i.e.
w er e d ep l o y ed h ea vi l y . .. . .. .
sh ou ld be u sed.
266. (3 ) H ere, t h e you t h s are gu n g-h o
....... sh ou ld be u sed. Rem em b er
: Sin gu l ar su b ject agrees with a
si n gu lar verb an d plu ral su bject
agrees with a p lu r al ver b.
267. (5) No er ror.
268. (5) No er ror.
269. (1 ) Here, Th e com m erce m in ist ry
h as n ot on l y fixed ....... sh ou l d be
u sed. Wh en we u se Not on ly .....
bu t also, th en sam e part of speech
is u sed wit h i ts bot h p art s.
Lo ok at t h e sen t en ces :
He n ot on ly gave m e a book b u t

Verb
al so m on ey. (×)

Nou n
He gave m e n ot on l y a book b u t

Nou n
al so m on ey. (3)

Nou n
270. (1 ) H ere, Pr esen t Perfect i .e. A
n ew st u d y h as fou n d th at ....
sh ou l d be u sed. We u se Pr esen t
Perfect wh en a j ob h as rel ati on
wi th / effect on th e pr esen t tim e.
271. (3 ) H ere, t h e fest ival, th e tr affic
police h ave ....... sh ou ld be u sed.
272. (3) Here, in th e village, wh ile .......
sh ou ld be u sed.
273. (2) Here, passive voice i .e. a d e-
tecti ve i n t h e film , i s alleged to
h ave..... sh ou ld be u sed.
274. (4) Modals cou ld n ot/ wou ld not/
can not agree with Plu ral Verb (V 1 ).
Hen ce, cou ld n ot u n d ergo t h e
p r oced u r e .... sh ou l d b e u sed
h er e.
275. (2) St ru ctu r e of t h e sen ten ce in
Passive Voice :
Su bject + can / m ay + be + V 3
(Past Par ticip le)
-28-

H en c e, f o r ced t o r evi ew t h e
selection ... sh ou l d b e u sed h er e.
276. (1) Here, Th ese qu estion s (plu ral)
force u s .... sh ou ld be u sed.
277. (5) No er ror.
278. (3 ) Sen ten ce sh ows presen t ti m e
Hen ce, wh ere train ed sci en tific
per son n el en j oy (Si m ple Presen t)
...... sh ou ld be u sed.
279. (1) Here, Th ou gh t h e book i s n ot
yet avail abl e in In dia sh ou d be
u sed.
280. (1) Here, con ven ti on al speak in g/
con ven tion ally spok en .... sh ou ld
be u sed.
281. (4) H er e, Wh at t h ey can d o t o
red u ce h arm fu l p ollu tion sh ou ld
be u sed.
282. (3) Here, h ave su cceeded (V 3 ) in
.... sh ou ld be u sed.
283. (2 ) Here, th e popu l ar sh ow wi ll
en d/ en ded i.e. Past Sim p le/ Fu -
t u r e I n d efi n i t e .... sh ou l d b e
u sed.
284. (5 ) No error.
285. (1) Here, Sh owin g/ sh arin g crim e
st atistics for .... sh ou ld be u sed.
286. (3 ) H ere, foot prin ts on its su r -
face wou l d .... sh ou ld be u sed.
287. (4) Here, m ade h im wait an d ....
sh ou ld be u sed.
288. (4) H er e, of a st r on g p r od u ct
pi pel in e .... sh ou ld be u sed.
289. (3 ) H ere, been app reh en ded an d
is .... sh ou ld be u sed.
290. (1 ) H ere, th e r ose grower s in ....
sh ou ld be u sed as growers (Pl u -
ral) is foll owed by a preposi tion .
291. (3) Here, wh en th ree differen t ....
sh ou l d be u sed
292. (3 ) H ere, th e growth t h at h ad fol-
lowed .... sh ou ld be u sed
293. (4 ) H ere, th e ear th at gets dam -
aged with age .... sh ou l d b e u sed
294. (3) Here, th e pr even ti on of u n -
tim ely death s .... sh ou ld be u sed
295. (5 ) No error.
296. (2 ) H ere, police team was given
t h e p h ot ograp h .... sh ou ld b e
u sed.
297. (5 ) No error.
298. (2 ) Here, th e popu l ar sh ow wi ll
en d/ en ded i.e. Past Sim p le/ Fu -
t u r e I n d efi n i t e .... sh ou l d b e
u sed.
299. (5 ) No error.
300. (1) Here, Sh owin g/ sharin g crim e
st atistics for .... sh ou ld be u sed.
301. (3 ) H ere, foot prin ts on its su r -
face wou l d .... sh ou ld be u sed.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
302. (4) Here, m ade h im wait an d ....
sh ou ld be u sed.
303. (4) H er e, of a st r on g p r od u ct
pi pel in e .... sh ou ld be u sed.
304. (3 ) H ere, been app reh en ded an d
is .... sh ou ld be u sed.
305. (1 ) H ere, th e r ose grower s in ....
sh ou ld be u sed as growers (Pl u -
ral) is foll owed by a preposi tion .
306. (3) Here, wh en th ree differen t ....
sh ou l d be u sed
307. (3 ) H ere, th e growt h th at h ad fol-
lowed .... sh ou ld be u sed
308. (4 ) H ere, th e ear th at gets dam -
aged with age .... sh ou l d b e u sed
309. (3) Here, th e pr even ti on of u n -
tim ely death s .... sh ou ld be u sed
310. (5 ) No err or
311. (2 ) H ere, police team was given
t h e p h ot ograp h .... sh ou ld b e
u sed
312. (5) No er ror.
313. (5) No er ror.
314. (5) No er ror.
3 1 5 . (5) No er ror.
316. (1) Here Havin g lived in .... shou ld
be u sed.
It is n ot p rop er t o u se preposi-
ti on ‘to’h er e.
317. (4 ) H ere, qu iz to be h el d (V 3 ) t h e
n ext day .... sh ou ld be u sed.
318. (4 ) H ere, th ey start ru n n in g ....
sh ou ld be u sed.
It is n ot p rop er t o u se ‘to’b efore
Geru n d h er e.
319. (1) Here Ram esh will l ive (V 1 ) .....
sh ou ld be u sed.
St ru ct u re of sen ten ce in Fu tu re
Si m ple : Su b ject + wil l/ sh all +
In fin iti ve wit h ou t t o (V 1 )
320. (3) Plu ral su bject agrees with plu -
ral ver b.
Hen ce, an im als togeth er are .....
sh ou l d b e u sed h er e.
321. (2 ) H ere, work in th e even in gs
..... sh ou ld be u sed.
322. (2) Here, rem em ber a lot of in for -
m ation ..... sh ou ld be u sed.
Th e p lu ral of i n form ation (u n -
cou n table) is n ot in form ation s.
323. (3) Use geru n d ‘sayin g’in palce of
par ticipl e (sai d).
324. (3) Here, au tom atic scooters have
com e as/ au tom at ic scooter s are
.... sh ou ld be u sed.
Godsen d = som et h in g good th at
h appen s u n expectedly an d h elps
somebody/ som eth in g wh en th ey
n eed h el p.
COMMON ERRORS
Lo ok at t h e sen t en ce :
Th is n ew ben efi t h as com e as a
godsen d for low in com e fam il ies.
325. (1) H er e, su bj ect i s ‘Th e gan g
m em ber s (plu ral)’. Hen ce, plu ral
ver b i.e. Th e gan g m em b ers h ave
.... sh ou ld be u sed.
326. (1 ) H er e, Pr esen t Si m p l e i .e.
weath er offi cials say th at weat h -
er offi ci al s h ave sai d t h at ....
sh ou ld be u sed.
327. (4) Here, an yon e cou ld be m i sled
... sh ou ld be u sed.
Lo ok at t h e sen t en ces :
He was too weak to wal k .
He was so weak th at h e cou ld n ot
walk .
328. (4 ) H ere, th e en tr ies in th e n ext
m eeti n g .... sh ou ld be u sed.
229. (5) No er ror.
330. (4 ) H ere, th e year earlier sh ou ld
be u sed.
331. (2 ) H ere, th e fall in tem per atu re
.... sh ou ld be u sed.
332. (4 ) H ere, Past Part ici ple i.e. b e-
in g screen ed (V 3 ) in local th eatres
.... sh ou ld be u sed.
333. (3) Here, el ect ron ical ly (Ad ver b)
fi le tax retu r n s for ..... sh ou l d be
u sed.
334. (4) Here, levied addition al m on th -
l y ch ar ges on con su m er s .....
sh ou ld be u sed.
335. (1 ) H er e, D esp i t e cu r few ... ..
sh ou ld be u sed.
Rem em ber :
Despi te = i n spit e of.
336. (4) Here, has been dou bled shou ld
be u sed.
337. (1 ) H er e, Pr i son s/ Pr i son .....
sh ou ld be u sed.
338. (2) Here, dark n ess am i d a wave
of ..... sh ou ld be u sed.
339. (5) No er ror.
340. (4) Here, im plem en ted i n th e let-
ter an d spirit ..... sh ou ld be u sed.
341. (3 ) H er e, u n - p r od u ct i ve an d
don ot..... sh ou ld be u sed.
342. (1) Here, As far as...... sh ou l d be
u sed.
343. (3 ) H ere, h as set a b en ch m ark
.... sh ou ld be u sed.
Ben ch m ar k = som eth in g wh i ch
can b e m easu red an d u sed as a
st an d ard th at oth er t h in gs can
be com par ed wit h .
344. (1 ) St r u ct u r e of sen t en ce i n
Pr esen t Perfect :
Su bject + h as/ h ave + V 3 (Past
-29-

Participle).
Hen ce, It h as tak en al m ost ....
sh ou ld be u sed.
345. (3) An adj ective qu alifi es a n ou n .
Hen ce, a con stan t (Adjective) flow
(Nou n ) ...... sh ou ld be u sed.
346. (3 ) Th ere is a prep osi tion relat ed
er ror. Hen ce, differ en t from t h e
.... sh ou ld be u sed.
Lo ok at t h e sen t en ce :
Am erican En glish is significantly
di ffer en t fr om B rit ish En glish .
347. (2 ) In fin iti ve = To + V 1 (Plu r al
Verb)
Hen ce, to cr eate .... sh ou ld be
u sed h er e.
348. (4 ) H ere, m ortal ity rate from th is
di sease .... sh ou ld be u sed.
Rat e = a m easu r em en t of th e
n u m b er o f t i m e s o m et h i n g
h ap p en s o r ex i st s d u r i n g a
particu lar p eriod.
Rat i n g = a m easu r em en t of h ow
go o d , p o p u l a r , i m p o r t a n t
s o m eb o d y / s o m et h i n g i s i n
relat ion to ot h er th in gs.
349. (5 ) No error.
350. (1 ) H a v i n g w i t n es s ed (Pa s t
Par t ici p le) t h e you n g sold i er’s
ab ili ty .... sh ou ld be u sed.
351. (4 ) H ere, Pr esen t Si m ple i.e. th at
cau se lau gh t er all arou n d .....
sh ou l d be u sed as th e sen ten ce
is in th e Pr esen t Ten se.
352. (2 ) In fin iti ve wit h ou t to follows
wou ldn’t/ shou ldn ’t.
353. (1 ) H ere, we ar e b rin gin g i n t h e
id ea .... sh ou ld be u sed.
354. (4 ) Th er e i s p reposit ion relat ed
er r or. H en ce, qu al i fi ed for a
governm ent job....shou ld be u sed.
355. (4 ) n ext is n ot fit for ch all en ge.
356. (2 ) H ere, h ave t h e device wh i ch
(Pron ou n ) .... sh ou ld be u sed.
357. (2 ) Th er e i s p reposit ion relat ed
error. Hence, en su rin g th at at th e
ti m e passen gers .... sh ou l d be
u sed.
358. (4) Th e Su bject ‘th ese com pan ies’
i s Pl u r al . H en ce, ‘t h ei r b oar d
m em bers’sh ou ld be u sed.
359. (3 ) Th e Su bject ‘th e sch em e’ is
Si n gu lar. Hen ce ‘requ ires an ad-
d it ion al i n vest m en t’ sh ou ld b e
u sed.
360. (5) No err or
361. (4 ) For con gru en ce, ‘and su per -
vi sin g th e n ew staff’ sh ou ld be
u sed.
362. (5) No err or
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363. (3 ) Here, p reposit ion in clu di n g
sh ou l d b e u sed . H en ce, ei gh t
fligh ts in clu din g two in tern ation -
al fl igh ts wil l be a cor rect u sage.
Lo ok at t h e sen t en ce :
Ten peop le were k i lled in t h e ri ot,
in clu d in g a poli cem an .
364. (3 ) H ere, ad ver bial form of ‘si m -
ple’sh ou ld be u sed. Hen ec, it h ad
ch opp ed d own a fu l l grown tr ee
si m p l y b ecau se .... sh ou l d b e
u sed.
365. (3 ) H ere, Si m pl e Past(V 2 ) i.e. t h e
i n for m at i on t h ey gat h er ed ....
sh ou ld be u sed.
366. (4 ) H er e, b ei n g ap p r eh en d ed
across t h e bor der .... sh ou ld be
u sed.
367. (2 ) H ere, di d t h e m an ager reali ze
th at/ th e m an ager r eal ized th at
(Past Si m pl e) sh ou ld be u sed.
368. (4) Her e, Passi ve Voice sh ou ld be
u sed. H en ce, sh ou ld be p repared
for fu tu re ..... sh ou ld be u sed.
369. (4) H er e, fu l l 1 9 n at i on (n ou n )
m i n isters ..... sh ou ld be u sed. It
is n ot proper to u se Nat i on al (Ad-
j ect i v e) h er e.
370. (1) Su b ject i s si n gu lar. H en ce,
Th e com m en t assu m es sign i fi -
can ce (Nou n ) ..... sh ou ld be u sed.
It is n ot proper to u se si gn i fi can t
(Adj ect i v e).
371. (2) Here, com parati ve degree i.e.
m ore th an t h e r equ ired (V 3 – Ad-
jective/ Participle) sh ou ld be u sed.
372. (1) Here, reportin g verb is i n past
ten se. Hen ce, He fu rth er said th at
th ere was n o pu rpose (Rep ort ed
sp eech in past t en se) sh ou ld be
u sed.
373. (4) Th e old = ol d p eop le
H en ce, p l u r al ver b i .e. t h e ol d
gi ve/ gave h im th e work of h u -
m an ism ..... sh ou ld be u sed h ere.
374. (4) Lo ok at t h e st r u ct u r e : Su b-
ject + h as/ h ave+ b een + v–i n g
Hen ce, h an gin g fire for .... sh ou ld
be u sed h er e.
375. (4) Here, severely (Ad ver b) crit i-
ci sed (V 3 ) sh ou ld be u sed.
377. (4) Here, in fin iti ve with to i.e. is
ex p ect ed t o p r ovi d e som e ....
sh ou ld be u sed.
378. (1) ‘On e of ’is followed by pu r al
Nou n / Pron ou n . Hence, on e of th e
sm allest m obile service providers
.... sh ou ld be u sed h er e.
379. (3) Here su bj ect is or gan i sa-
t i on s (pl u r al ), n ot t h e ‘w or l d ’
COMMON ERRORS
Hen ce plu ral verb i.e. u se expl o-
ration s an d pl ay .... sh ou ld be
u sed h er e.
380. (4) It is pr eposit ion rel ated error.
Hen ce, to less th an 5% in cu r ren t
fi scal year fr om 8 % i n 2 007 ....
sh ou l d b e u sed h er e.
381. (2) Here, su bject (work ers) is plu -
ral. H en ce, be ab le (Ad jective) to
im agi n e t est in g th eir ..... sh ou ld
be u sed.
383. (4) It i s a dou b le com parati ves
related error. Hen ce,m u ch bett er
than th e gian ts .... sh ou ld be u sed
h er e.
384. (3) A few i s foll owed b y p lu r al
Nou n / Pron ou n , h en ce a p lu r al
ver b i.e. bu t on ly a few ban k s
h ave (plu ral ) .... sh ou ld be u sed.
385. (1) Ap ar t fr om = excep t for; in
ad dit ion to; as wel l as.
Hen ce, Ap art fr om n ot speak i n g
u p en ou gh .... sh ou ld be u sed.
386. (5) Wi t h t h e ex cep t i o n o f = ex-
cept; n ot in clu din g.
387. (1 ) On b o ar d i s an Ad j ect i ve.
Hen ce, Th e b an k ’s str in gen t on
board process .... shou ld be u sed.
389. (4) Hen ce, S–S, P–P i.e. Plu ral verb
sh ou l d b e u sed wit h Plu ral Su b-
ject. Hen ce, th ei r com pan ies su f-
fer .... sh ou ld be u sed.
390. (1) Bl i n d l y is an Adverb wh i le an
Ad jective sh ou l d b e u sed h er e.
Hen ce, we ar e often b lin d to ....
sh ou ld be u sed.
391. (3 ) H er e, con t r ast i s evi d en t .
Hen ce, an d sh ou ld be rep laced
by bu t . Hen ce, m edi cal ex pen ses
bu t .... sh ou ld be u sed.
393. (3) Here, n earl y always cu r abl e/
al m ost cu r ab l e .... sh ou l d b e
u sed.
Cu rab le = th at can be cu r ed
Most sk i n can cers are cu rab le if
tr eat ed earl y.
394. (4) H er e, i s a d i s t u r b i n gl y
u n reli able (Adject ive) rater of ----
sh ou l d b e u sed . Ad ver b al so
m odifies an ad jective.
395. (2) H er e, Su b j ect (ch i l d r en ) i s
p l u r al . Hen ce, Pl u r al Ver b i .e.
ch oices r edu ce t h ei r ch an ces of
.... sh ou ld be u sed.
396. (3) Here, is th i s p ractice (sin gu -
lar) good .... sh ou ld be u sed.
397. (2) Here, in fin iti ve = to + V 1 i.e.
th e u se of h igh al tit u de bal loon s
to provid e .... sh ou ld be u sed.
-30-

SBI PO EXAMS
1. (2) E q u i p p e d n o t o n l y w i t h
sh ou l d b e u sed in pl ace of n o t
on l y equ i pp ed wi t h .
Wi th Not on ly ... bu t also / Eith er
... or / Nei th er ... n or we joi n t wo
Su b j ect s/ Ob j ect s/ Ver b s/ Ger -
u nds.
For ex am pl e,
H e com es h er e n o t o n l y fo r
sh oppin g.  Now, it is clear t h at , t h e err or is
NOT ONLY
bu t al so for h av i n g a
 wi th t h e t o p.
BUT ALSO
gl im p se of t h e
ex trem el y b eau tifu l sales girl s.
In th e given sen ten ce bu t al so is
u sed b efor e ‘‘wi th ou tst an di n g
ph ysi cs’’so n o t o n l y sh ou l d be
u sed before ‘‘wi t h al l st at e-o f-
t h e-ar t i n st r u m en t s’’. Su ch
adj u stm en ts con vey th e m ean in g
cl earl y.
2. (1) Wh en we com pare two t h in gs
belon gin g to th e sam e grou p, we
u se n o ot h er. Wh ereas, wh en two
t h i n gs b el on gi n g t o d i ffer en t
gr ou p s are com p ared, we u se n o.
For ex am pl e,
(i) No ot h er ri ver in In d ia is as
u sefu l as th e Gan ga.
(ii) No ri ver in Ban gl adesh is as
u sefu l as th e Gan ga.
In th e given sen ten ce, ‘‘t h i s
m et h o d ’’ b el on gs t o ‘‘y o u r
m et h od s’’ — grou p. Th at is
‘‘th i s m eth od’’ is on e of you r
m et h ods. Th erefore, n o o t h er
wi ll be u sed in pl ace of n o .
3. (3) Vi ews sh ou ld be followed by
on an d n ot fo r .
‘‘You r views on som et h in g are th e
beliefs or opinion s th at h ave abou t
it, for exam ple, wh eth er you th in k
it is good, bad , ri gh t or wron g’’.
– Page 1 8 6 4 , Co l l i n s Cobu i l d
En gl i sh Di ct i on ar y
Th is sh ows th at, it is obligatory to
u se Preposit ion on after views,
sp eci al l y i n t h e gi ven t y p e of
sen t en ce.
4. (5) No er ror.
5. (4) H ave been sh ou ld be replaced
wit h h as been . Here h av e been is
go v er n ed b y t h e S u b j ec t
i n v est m en t . I n vest m en t i s a
Singu lar Su bject. So, Singu lar verb
h as been m u st be u sed in place of
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H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
h av e been .
6. (1) Th e arti cle t h e i s u sed before
ph ysical place (position ) lik e t op,
bo t t o m etc. So, we say t h e t o p,
t h e bo t t o m .
– Page 1 , T h e Mi r ror of Com m on
Er r or s, Pu bl i sh ed fr o m K i r an
Prak ash an
Th e t o p of som eth i n g i s i ts h igh -
est p oin t or part. If we u se t o p i n
th is sen se, it is always preced ed
by Defin ite Ar ticle, t h e.
in part (1) of th e given sen t en ce.
Here a t o p sh ou ld be rep laced
7. (5) No er ror.
8. (3) gath erin g in form ation with all
9. (5) No er ror.
10. (2) “Not on ly ...... bu t also” con -
n ects two words in sam e Part of
Sp eech . Th er efore, if n o t o n l y i s
followed by a Nou n , bu t al so i s
also followed by a Nou n . Sim i lar -
ly, th ey can be fol lowed b y t wo
Participles.
In th e given sen ten ce, h o l d i n g
an d r en der i n g are t wo Par ti-ci-
pl es. As bu t al so i s followed by
r en der i n g so n o t o n l y m u st be
followed by h ol di n g. (Par -ticiple).
Th erefore, fo r h ol d i n g n ot on l y
wi ll be su b stit u ted with fo r n ot
o n l y h o l d i n g. Th i s al t er at i on
m ak es th e sen ten ce m ean i n gfu l
on e.
11. (4) Last f ou r day s d en otes a p e-
ri od of tim e. We u se fo r with p e-
ri od of t im e an d si n c e with poi n t
of tim e.
For ex am pl e,
(i) It has been raining for fou r days.
 st ati on . In th e sen ten ce, th e u se
For
(i i) It h as been r ain in g si n c e Fr i-
day l ast. 
SINCE
In th e first sen ten ce fou r day s i s
a per iod . Th er efore, fo r i s u sed
befor e i t. On th e oth er h an d, in
th e secon d sen ten ce Fr i day is a
poin t . So, Fri day is preced ed by
si n ce.
In th e gi ven sen ten ce, si n c e wi ll
be rep laced with fo r.
12. (2) We k n ow wh en th e Prin cip al
Cl au se in a sen ten ce (In d irect) is
in Past Ten se, th e Su bord in ate
Clau se also m u st be in Past Tense.
In th e given sen ten ce I t ol d h i m
COMMON ERRORS
(Principal Clau se) is in Past Tense.
So, h e i s m u st be replaced wi th
h e was.
13. (4) On e (Su bj ect ) i s in Th ird Per -
son Singu lar Nu m ber. So, with on e
we can u se l o ok s, do es, et c.
In th e given sen ten ce on e l o ok
shou ld be replaced with on e look s.
14. (3) Wh en th e Su bject of th e Verb
is a Relative Pron ou n care sh ou ld
b e t ak en t o see t h at t h e Ver b
agrees in Nu mber and Person with
the an teceden t of th e Relative Pro-
nou n.
For ex am pl e,
I wh o am you r fr ien d will gu ard
you r in terest.
In th i s sen t en ce wh o i s t h e Rel a-
ti ve Pron ou n an d I is its an teced-
en t. Th e Verb am agrees wit h t h e
an teceden t I . It will be wron g to
say “I wh o i s you r ”.
In th e given sen ten ce wh o is a
Relati ve Pron ou n , an d th e an t e-
ceden t is t h ose. As, t h ose i s in
Pl u ral Nu m b er, so i s sh ou ld be
replaced with ar e.
15. (3) Fo r al l t h ese y ear s d en otes a
period of ti m e. So, we ar e wor k -
i n g (Presen t Con t in u ou s) sh ou ld
be rep laced with we h av e been
wor k i n g (Presen t Perfect Con tin -
uous)
16. (1) In th e sen ten ce, all th e place
of you m ay n ot k n ow i t, th er e
sh ou l d b e you n ot k n ow i t. Her e,
pr esen t in d efi n ite wi ll be u sed.
17. (5) No er ror.
18. (4) an d h elp h im in h is work
19. (3) In th e sen t en ce, at t h e place
of an d h ave st ay at t h e station ,
th ere sh ou l d b e on ly stay at t h e
of h ave to is su perfl u ou s.
20. (4) In th e sen t en ce, at t h e place
of a distin gu ished m u sician th ere
shou ld be distingu ish ed mu sician.
21. (5) No er ror.
22. (2) In th e sen tn ece at th e place of
is bein g gu arded b y p olice, th ere
sh ou ld be is bein g gu arded by th e
police.
23. (4) Th e grou p of words, “sea water
for instan ce, con tain s a lot of salt,
fr esh water con tain s v er y l i t t l e”
sh ou l d b e r epl aced b y ‘sea wat er
for in stan ce, con tai n s a lot of salt
fresh water contain s a very li t t le’.
Lo ok at t h e sen t en ces :
He h as l i t t l e m ilk to give you . ()
He h as a l i t t l e milk to give you . ()
-31-

24. (1) The grou p of words, ‘a sparrow
h as m ade a n est in Kesh o’s h ou se’
sh ou l d b e r epl aced by ‘a sp arr ow
h ad m ad e n est in k esh o's h ou se’.
Lo ok at t h e sen t en ces :
Heen a sai d t h at h e is wron g. ()
Heen a said th at h e was wrong. ()
25. (2) The grou p of words, ‘m on opoly
for h i m self’ sh ou ld be rep laced
by ‘m on opol y of h im self’.
26. (2) Th e grou p of words, ‘we can
be certain that m an did n ot began ’
sh ou l d b e r epl aced b y ‘m an d id
n ot begin ’
B ecau se D o/ D o es/ D i d t ak es
Fi rst For m (V 1 ).
Lo ok at t h e sen t en ces :
He do goes t o m ark et. ()
He do go to m ark et. ()
or, He goes t o m ark et. ()
He di d n ot wen t t o m ark et. ()
 
V2 V2
He di d n ot go t o m ark et. ()
27. (5) No er ror.
28. (3) The sen tence sh ows past tim e.
Hen ce, ‘wh i le h e will be goin g....’
sh ou ld be replaced by ‘wh i le h e
was’.
29. (2) Th e u se of as an d lik e togeth er
in th e grou p of words – togeth er
as lik e h omogeneou s is not proper
. Hen ce, eit h er as or lik e sh ou ld
be u sed.
30. (5) No er ror.
31. (4) Th e u se of passive i s wron g.
Hen ce, ‘able to perform ’is correct
u sage.
32. (1) Th e grou p of words’ wh at to
m ak e peop e’sh ou ld be rep laced
by ‘wh at m ak es people’.
33. (1) For sh owi n g h ab itu al tru th , it
is proper to u se Si m pl e Pr esen t
Ten se. Hen ce, ‘ou r cu stom ers are
al ways visi t’ sh ou ld be rep laced
by ‘ou r cu stom ers always vi sit ’.
34. (5) No er ror.
35. (2) Th e sen t en ce s h o w s p as t
even t . Hen ce, ‘th e police ar rived
at the site’sh ou ld be u sed in place
of ‘t h e pol ice arr ive at th e site’.
36. (1) ‘A h ab it of/ Th e h ab it of’is t h e
correct u sage.
37. (5) No er ror.
38. (4) Repl ace ‘it lack s r esou rces’by
‘t h ey l ack r eso u r ces’ as t h i s
sen t en ce i s r el at ed t o ‘so m e
peop le’.
39. (3) Rep l ace ‘r i gh t an d qu i ck l y
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H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
d eci si on s’ b y ‘r i gh t an d qu i ck
decision s’as t h e word ‘qu ick ly’is
an Adverb th at m odi fies a Ver b,
n ot a Nou n .
40. (2) Presen t Per fect Ten se tak es
Past Part ici ple for m of a Ver b.
Here, th e su bj ect is pl u ral.
Hen ce, a grou p of you ngsters h ave
len t fin an cial assistan ce ...... wi ll
be th e correct sen t en ce.
41. (4) Th e Refl exi ve form of ‘we’ is
‘ou rselves’.
Lo ok at t h e sen t en ce :
We sh ou ldn ’t blam e ou rselves for
wh at h app en ed.
H en ce, r ep l ace ‘ou r sel f fi t ’ b y
‘ou rselves fi t’
42. (3) Replace ‘pl ease h ave con tact
u s’b y ‘p lease con tact u s’.
43. (5 ) No err or
44. (3 ) H ere, Ad jective (geru n d) i.e.
and law abidin g sectors ... sh ou ld
be su ed.
45. (4) Here, Su b ject (its st ated ai m )
is sin gu lar. Hen ce, cu rbin g in fla-
tion has not been achieved shou ld
be u sed.
46. (3) Here gen er al Pr op osi tion is
evid en t. H en ce p resetn sim pl e
sh ou l d b e u sed h er e.
47. (4) Here, for/ i n In di a's pr em i er
ed u cat ion l In sti tu t es sh ou ld be
u sed.
48. (2 ) Th e sen t en ce sh ow an even t
of ‘period of time’. Hence, Presen t
Perfect Con tin u ou s ‘h ave been
sh in i n g’sh ou ld be u sed h er e.
49. (3 ) H ere, is respon si ble for h i s/
h er con du ct ... sh ou ld be u sed.
Rep et it i on of ‘stu d en t ’s i s n ot
p rop er.
50. (4 ) For every m an an d wom en ,
his and her choice sh ou ld be u sed.
Here sin gu l ar pron ou n sh ou ld
com e.
51. (4) Assu re is a tran sitive verb an d
will tak e an object. Hen ce be su re
of a su ccessfu l core sh ou ld be
u sed h er e.
52. (3) Wh om is u sed in stead of ‘wh o’
as th e ob ject of a verb or p rep o-
sition . Hen ce, wh om th ey believe
to be ... sh ou l d b e u sed h er e.
53. (3 ) Th e cor rect sp ell in g is : argu -
m en ts.
54. (3 ) Th e corr ect spelli n g is : ou t-
com e.
55. (2 ) Th e corr ect sp ell in g is : p atr i-
arch al.
56. (1 ) Th e appr opri ate word sh ou ld
be : com p ared.
COMMON ERRORS
57. (4 ) Th e appr opri ate word sh ou ld
be : absolu tel y (Adverb ).
58. (1) Fr om scr at c h = wi th ou t an y
p r ev i o u s p r ep a r a t i o n or
k n o w l ed ge; f r o m t h e v er y
begin n in g.
Hen ce, fr om scratch .... sh ou ld
be u sed h er e.
59. (2 ) H er e, a d j ec t i v e i . e. a
reason able qu arter .... sh ou l d be
u sed.
60. (4 ) H er e, as p ar t of asset ....
sh ou ld be u sed.
61. (3 ) H er e, cl au se u n i l at er al l y
(Adverb) ... sh ou ld be u sed.
62. (1 ) H er e, Su b j ec t (I n d u s t r y
experts) is Plu ral. Hence .... poin t
ou t sh ou ld be u sed.
63. (3 ) H er e, p assi ve i .e. .... was
award ed .... sh ou ld be u sed.
64. (2) H er e, i n fin i ti ve i.e. clearl y
com m u nicate .... shou ld be u sed.
65. (1) It is a preposition related error.
Hen ce, Th er e are certai n aspects
of .... sh ou ld be u sed.
66. (5) No err or
67. (3 ) H ere, Parti cip le/ Ger u n d i.e.
and wipin g ou t .... shou ld be u sed
as k i lli n g h as been u sed earli er
in th e sen t en ce.
68. (1) H ere, su bject (tractor sales) is
pl u r al . Hece, ..... tr actor sales
h ave seen ..... sh ou ld be u sed.
69. (2) It is preposit ion related error.
Hen ce, ..... th at sh are t h e ear th
wi th u s sh ou le be u sed.
71. (2 ) H ere, Nou n i.e. en viron m en t
and forests is ..... shou ld be u sed.
72. (4) Her e, In fin i tive i.e. To port ray
is su bject. Hen ce, si n gu lar verb
i.e. r efer en ces is ver y d ifficu l t
sh ou ld be u sed.
73. (4) Here, slashing excise du ty (sin-
gu lar ) t o m ak e it at par wi th .....
sh ou ld be u sed.
74. (1 ) H ere, Police officers h ave r e-
fu sed to di vu l ge t h e iden ti ty of
........ sh ou ld be u sed.
75. (1 ) It i s a pr epositi on rel ated er -
ror. Hen c, Attr ibu t in g ri se i n i n -
fl ati on par tly to ....... sh ou ld be
u sed.
76. (4 ) H ere, t h e stak e i n t h e Swed-
ish com pan y wh i ch is a pr em i er
car m ak er .... sh ou ld be u sed.
Pr em i u m = an ex tr a p aym en t
ad ded to th e basic rat e.
Pr em ier = m ost i m portan t or fa-
mou s.
77. (4 ) H ere, it is a preposition r elat-
-32-

ed er ror. H en ce, over ot h er peo-
pl e’s n eeds .... sh ou ld be u sed.
T ak e pr ec eden c e o v er som e-
t h i n g = to tak e priorit y/ i m por -
tan ce.
78. (3) On e of t h em i s a sin gu l ar
su b j ect . H en ce, h i s/ h er b ag
sh ou l d b e u sed h er e.
79. (3 ) It is n ot p roper t o u se adverb
(carefu l ly) h ere. Hen ce, carefu l
(Adjecti ve) in ou r ap proach .......
sh ou ld be u sed.
80. (3 ) H ere, of al l r ivers sh ou ld be
u sed.
He is better th an an y other boy in
th e class.
He is th e b est boy in th e class.
81. (4)Here, n ot an Adverb (patien tly)
bu t Adjective i.e. a patient listening
........ sh ou ld be u sed.
82. (1) Here, Th e econ om ic con dition
....... sh ou ld be u sed.
Ec on o m i c = con n ected wit h t h e
econ om y of a cou n t ry
Ec on om i cal = spen di n g m on ey
in a carefu l way that avoids waste
Lo ok at t h e sen t en ce :
It is u su all y econ om ical t o b u y
w a s h i n g p o w d er i n l a r ge
qu antities.
83. (4 ) Lo bby = to try to in flu en ce a
politi cian or th e govern m en t an d
p er su ad e t h em t o su p p or t or
op pose a ch an ge in th e law.
For / agai n st sh ou ld be u sed with
it.
Lo ok at t h e sen t en ce :
Farm er s will lob by Con gress for
h i gh er su bsi dies.
84. (4) As w el l an d are syn on ym ou s.
On ly on e of th em sh ou ld be u sed
h er e.
85. (4) T o o i s u sed to sh ow excess
(n egative). Hen ce, bein g very n ice
to som eon e ....... sh ou ld be u sed
h er e.
86. (4) Here, can cel th e operati on s of
th irt y t rain s ............ sh ou ld be
u sed. Th e operation is can celled,
n ot t h e t rai n .
87. (3) An Adjective qu alifies a Nou n .
Hen ce, in trodu cin g ......... an d
m ot i vat i on al (Ad j ect i ve) p r o-
gr am m es sh ou ld be u sed h er e.
RBI GRADE–B
OFFICER EXAMS
1. (1 ) Here, al lian ce ...... sh ou ld be
u sed.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
2. (4) Her e,viabl e for ...... sh ou l d
b e u sed .
3. (4 ) Here, m ak es u p ...... sh ou ld
be u sed.
4. (4) Here, to it s fold ......sh ou ld be
u sed.
5. (3) Here, on e in wh ich ...... sh ou ld
be u sed.
INSURANCE EXAMS
1. (1) It sh ou ld be r at e of i n c r ease
in pl ace of r at e i n i n cr ease.
2. (2) “Is n ot ver y en cou ragin g” is
th e correct expression for th e part
(2 ). Her e, t h e u se of bei n g i s r e-
du n dant.
3. (4) No er ror.
4. (2) To m ak e an u n m atch ed com -
parison after “as if ....” we u se
wer e i n all ten ses. So, “as if it
were” is th e correct exp ression .
5. (3) We say, “I am p rou d of m y
cou n tr y or p rou d of som eth in g”.
Pr ou d o f i s an id iom ati c ex pres-
si on . So, i rrespective of i ts posi-
ti on , it rem ain s th e sam e. Hen ce,
“h e was prou d of “sh ou ld be u sed
in pl ace of “h e was pr ou d ”.
6. (4) Ri se m ean s u p war d m ove-
m en t or progress, com e or go u p-
war ds.
For ex am pl e,
Th e Su n r i ses in th e east.
Rai se m eans to lift or m ove som e-
on e or som eth i n g u pwar d, t o col-
lect som eth i n g.
For ex am pl e,
Ou r goal is to r ai se Rs. 30 for a
n ew p ark sign .
Th is sh ows t h at som eth in g rises
on it s own an d som eon e r aises
som et h in g (lik e fu n d etc.). Fu n d
does n ot ri se, it is raised.
So, i n st ead of f u n d-r i si n g, we
sh ou ld u se fu n d-r ai si n g. Th er e-
fore, th e an swer is (4 ).
7. (4) Th e word econ om y is a Nou n .
Hen ce, we can n ot u se econ o m y
gai n or ec on o m y -i n t er est . In
th e given sen t en ce, an Adjecti ve
m u st b e u sed b efor e in terest s.
So, econ o m y is to be su bstitu ted
wi th ec on om i c. Th e corr ect sen -
ten ce is -
Th e p irat ed tech n ology h as n ot
only created strategic dan gers bu t
also damaged econ om i c interests.
8. (1) To an swer t h i s qu est i on a
p r op er u n d er st an d i n g of t h e
m eanings an d u sages of th e words
COMMON ERRORS
- em i n en t and i m m i n en t is m u st.
See t h e differen ces-
Em i n en t m ean s n ot ed for posi-
ti on , ran k or ach i evem en t.
For ex am pl e,
Tagore was an em i n en t au th or.
I m m i n en t m ean s soon to happen
or tak e p lace.
Bose was n ot afraid of th e i m m i -
n en t death .
So, it is very clear th at in th e given
sen tence em i n en t sh ou ld be u sed
in pl ace of i m m i n en t .
9. (3) We k n o w t h at t h e c or r ect
spellin g is ex pl o i t . So, we sh ou ld
replace ex pl o i t e wi th ex pl oi t .
10. (5) It seem s th at th e word un spar -
i n g i s a wr on g u se h er e. Bu t ,
u n spar i n g m ean s severe or m er -
ci less an d it is appr opr iat e i n t h e
con text of t h e sen ten ce. As th ere
is n o err or in th e given sen t en ce,
so th e an swer is (5 ).
11. (3) T h e s t r u c t u r e o f s o m e
sen ten ces is :
Nou n + Pr ep osi t i on + Nou n +
Pr eposit ion + .....
In su ch sen ten ces, th e Ver b is
u sed according to th e Nu m ber and
Person of th e Nou n u sed b efore
the first preposition . For exam ple,
Th e cost of p rod u ct ion of con su m er

Sin gu l ar
goods in al l cou n tri es is in creasin g.

Sin gu l ar
Hen ce, in th e given sen ten ce, ‘h as
ch an ged’sh ou ld be u sed in p lace
of ‘h ave ch an ged ’.
12. (3) Th ere ar e som e wor ds wh i ch
always com e in pairs an d fu n ction
as con ju n ct ion . Th ese ar e call ed
c o r r el a t i v es . T h es e a r e :
ei t h er . . . . o r , n ei t h er . . . n o r ,
both ....an d, n ot on ly...b u t also,
as m u ch ...as.
Th e r u le beh in d th eir u se is : t h e
part of speech th at i s u sed wi th
th e first p art m u st also be u sed
wi th th e oth er par t. For exam pl e,
He gave m e n ot on l y a book bu t al so
m on ey.

Nou n Nou n
So, ‘an d also’sh ou ld be rep laced
by ‘b u t also.’
13. (2) If th e su bject of a sen ten ce be
a Di st ri b u t ive Pron ou n (each /
ever yon e/ ei t h er/ n ei t h er ), t h en
-33-

th e Verb is al ways si n gu lar. For
exam ple,
Each of th em h as com e.
Here, th e u se of Plu r al Verb wi ll
be in cor rect.
T h er ef o r e, ‘h a v e’ s h o u l d b e
replaced by ‘h as’.
14. (1) ‘W h i c h t i m e’ s h o u l d b e
replaced by ‘wh en ’.
15. (4) If ‘the’or Possessive Adjectives
(you r, ou r or th ei r) is u sed b efore
th e word ‘nu mber’, the verb always
r em a i n s i n si n gu l ar n u m b er
becau se i n t h at case, ‘n u m ber’
d oes n ot d en ot e an I n d efi n i t e
Nu m ber.
For ex am pl e,
Th e n u m ber of girl s i s in creasi n g
in sch ool s.
Hen ce, ‘h ave forced ’ sh ou l d be
replaced by ‘h as for ced ’.
16. (4) The word ‘sparin gly’sh ou ld be
replaced wit h rarel y.
17. (1) The word ‘Cou ntrary’is wrongly
spelt. Th e correct spellin g is ‘con -
tr ary’.
18. (2) T h e w o r d ‘en t er p r i ze’ i s
wr on gly spel t. Th e correct spel l-
in g i s ‘en terpr ise’.
19. (5 ) No error.
20. (3) T h e w o r d ‘p a n er a m a ’ i s
wr on gly spel t. Th e correct spel l-
in g is ‘pan oram a’. wh ich m ean s a
vi ew of a wide area, a view of a
con st an t ly ch an gin g scen e or se-
ri es of even t s.
21. (2) H er e ‘t h i n g’ i s Si n gl u l ar .
Hence, ‘that is not’shou ld be u sed.
22. (1) Th e form of in fin i tive is : To +
Verb (Pl u ral). Hen ce, r epl ace ‘t o
be exp ect in g’by ‘t o ex pect ’.
23. (4) Th e passi ve for m of Fu t u r e
In defi n ite is : Su bject + sh al l b e/
wi ll b e + V 3
Hen ce, r epl ace ‘som et h in g th at
wi ll d ecr ied’ by ‘som et h in g th at
wi ll b e d ecr ied / som et h in g th at
sh ou l d b e d ecr ied ’.
24. (2) Replace grou p of words ‘very
few p eop le’by a few / m an y peo-
ple’.
25. (3) Replace th e word ‘lu ggages’by
‘lu ggage’.
26. (2 ) Th e su b j ect s (Nou n s/ Pr o-
nou ns) connected with ‘alongwith’,
‘t ogeth er with ’h ave th e ‘Verb ’ac-
cordin g to th e n u m ber of th e fir st
Su bject. Here, ‘jou rn ali st’is si n -
gu l ar. Hen ce, Sin gu lar Verb ‘was’
sh ou ld be u sed.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
27. (3) Use affir m at ive sen ten ce aft er
‘u ntil’.
Lo ok at t h e sen t en ces :
You ar e n ot goin g ou t u n ti l you
h ave fin ish ed th i s.
Let’s wait u n t il t h e rai n stop s.
28. (5 ) No error.
29. (2 ) Wh o is u sed to sh ow wh i ch
person or p eopl e you m ean .
H en ce, u se ‘w h o’ i n p l ace of
‘wh ich ’.
30. (1) If two even t s (con d iti on al ) are
possi ble in fu t u re, th en first on e
is u sed in Sim p le Presen t.
Hen ce, replace ‘If I will m eet’ by
‘If I m eet ’.
31. (4) Cou n t able Nou n / Pron ou n af-
ter ‘all ’is pl u ral. Hen ce, rep lace,
‘stu den t in th e class’by ‘stu den ts
in th e cl ass’.
32. (5 ) No error.
33. (1) Replace ‘Th e stu den ts dressed
th em ’ by ‘Th e stu d en t s dr essed
th em selves’.
34. (2) It is wron g to u se ‘th e reason ’
an d ‘du e to’togeth er for th e sam e
pu rp ose.
35. (3) The sen tence sh ows past tim e.
Hen ce rep lace ‘an d sp en d qu i te
som e tim e’ b y ‘an d sp en t qu i te
som e t im e’.
36. (3) Th e stru ctu re of sen ten ce in
Pr esen t Perfect :
Su bj ect + h as/ h ave + V 3 (Past
Participle)
Hen ce, h as becom e a very si gn i f-
ican t su bject ..... sh ou ld be u sed.
37. (1 ) H er e, sh e was h el d gu i l t y
(Nou n ) of ..... sh ou ld be u sed.
38. (3 ) H ere, ou t of si gh t sh ou l d be
u sed.
Lo ok at t h e sen t en ce :
Sh e n ever lets h er dau gh ter ou t
of h er sigh t (= al ways k eep s h er
wh ere sh e can see h er ).
39. (3 ) H er e, d esp i t e h i s su ccess
.....sh ou ld be u sed.
Look : d esp ite = in spit e of.
Lo ok at t h e sen t en ces :
Hi s vioce was sh ak in g despit e all
h i s efforts to con trol i t.
Th ey wen t swim m in g in spi te of
al l th e d an ger sign s.
40. (4) Here, Si m pl e Pr esen t i.e. th at
r efl ect t h ei r p er son al i t i es .....
sh ou ld be u sed.
41. (3) Her e, Com parati ve D egree i.e.
can b e m ore effecti ve ..... sh ou ld
be u sed.
42. (2) Here, fou n d t h at th ose wh o
COMMON ERRORS
scored h igh ..... sh ou ld be u sed.
Lo ok at t h e sen t en ces :
Th e peopl e wh o call ed yest erd ay
wan t to bu y th e h ou se.
Th e au th or wh om you criti cized
in you r review h as wr itt en a r e-
ply.
43. (2) Here, in k eepin g r eaders at
..... sh ou ld be u sed.
44. (1 ) H er e, At t h e m om en t .....
sh ou ld be u sed. An th e m om en t =
An ex act poi n t in tim e.
45. (5 ) No err or
46. (3) Here, wh et h er sh ou ld be u sed.
47. (2 ) H er e, m easu r es sh ou l d b e
u sed.
48. (4) Here, t h at sh ou ld be u sed.
49. (3 ) H er e, o f b r a v e r y / t a k e n
br av el y sh ou ld be u sed.
50. (4) Th e su bject of t h e sen ten ce
‘t h ese com p an i es’ i s Pl u r al .
Hen ce, ‘to its board m em ber s’
sh ou ld be replaced by ‘to th eir
board m em bers’.
51. (3) Th e su bject of t h e sen ten ce
is ‘t h e sch em e’th at is Sin gu l ar
an d it wi ll tak e Si n gu lar Ver b.
Hen ce, ‘requ ire an addition al in -
vestm en t’sh ou ld be replaced by
‘r equ i res an add iti on al in vest-
ment’.
52. (5 ) No error.
53. (4) Replace ‘an d su pervi se t h e
n ew staff’ b y ‘an d su pervisi n g
th e n ew staff’ as word ‘ar ran g-
in g’(Presen t Participle) h as been
u sed before con n ective ‘an d ’.
54. (5 ) No error.
55. (1) Th e corr ect form of Id iom is
‘owin g to’th at expresses reason .
Hen ce, ‘owin g t h e n ew p ol icy’
sh ou ld be replaced by ‘owi n g to
th e n ew pol icy’.
56. (1) Replace ‘sin ce th e lack of’by
‘d u e to lack of’. ‘For wan t / lack
of’can also be pr operly u sed.
57. (2) Here, is u sed (V 3 ) ... sh ou ld
be u sed.
58. (2 ) D eter m in er ‘a few’tak es pl u -
ral Nou n or Pron ou n . H en ce, ‘a
few com pan y’shou ld be replaced
by ‘a few com pan ies’.
59. (3 ) Rep l ace gr ou p of wor d s
‘r aised to 6.1 per cen t’by ‘r isen ’
/ i n cr eased to 6.1 per cen t ’.
60. (3) Replace ‘u n l ess we do n ot h -
in g’by ‘u n less we do som et h in g’
61. (2) It is p roper to u se su perlat ive
form of b ad i.e. ‘wor st’ h er e.
62. (4) Th e su bject of th e sen ten ce
Pl u ral th at wil l t ak e Plu ral Pos-
-34-

sessi ve. Th erefore, r epl aces get
cu stom ers to bu y its good’by ‘get
cu stom ers bu y th eir goods’Here
‘t o’h as been wron gly u sed.
63. (1) Pr i vat e c om p an i es w h ose
pr ofi ts --- wi ll b e t h e cor rect u s-
age.
64. (1) Use Perfect Parti cip le (Hav-
i n g + Past Par t i ci p l e). H en ce,
h avin g work ed i n ..... wi ll b e t h e
correct sen ten ce.
65. (4) An ‘Adverb’m odifies an ‘Ad-
jecti ve’too. Hen ce, ‘a profession -
al ly m an aged on e’wil l b e a cor -
rect u sage.
66. (3 ) Th e sen t en ce sh ow s p ast
even t . Hen ce, wh en th e cou n t ry
was ... will be a corr ect sen ten ce
67. (2 ) Th e sen ten ce sh ows fu tu re
ti m e. Hen ce, gi ven th e cu rren t
m ark et con di dti on s it wil l b e ...
wi ll be a.
68. (5) No error.
69. (5 ) No error.
70. (3) Pass away = di e_to stop exi st-
ing.
Hen ce, to pass th e ti m e sh ou ld
be u sed h er e.
We san g son gs to pass th e tim e.
71. (3) Her e, Past sim ple i .e. th e wed-
di n g wh at m i gh t com e sh ou ld be
u sed.
72. (2) Refu se = t u rn down
Den y = t o say th at som eth i n g is
n ot t ru e.
Th e sp ok esm an r efu sed ei th er
to con fir m or den y th e rep ort s.
Hen ce, veh em en tly/ stron gly de-
n i ed ..... sh ou ld be u sed.
73. (3) Th e corr ect spelli n g is: Ad e-
qu ate.
74. (1) Here, as fast as sh ou ld be
u sed. It is n ot proper to u se com -
parati ve degree h er e.
Lo ok at t h e sen t en ce :
You ar e as t all as you r fath er.
75. (4) It is an er ror of dou ble n eg-
a t i v es h er e, H en c e, c a n n o t
ch an ge an yth in g .... sh ou ld be
u sed h er e.
76. (3) The correct spellin g is : n ight.
77. (3) Here, higher cost/ price of meat
to com e sh ou ld be u sed h ere.
78. (2) St r u ct u r e of sen t en ce i n
Pr esen t Perfect
S + h as/ h ave + V 3
H en ce, r eco gn i sed (V 3 ) t h i s
sh ou ld be u sed.
79. (2) Ap ar t sh ou l d agr ee w i t h
‘from ’.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Ap art from = in ad diti on to
Lo ok at t h e sen t en ce :
Ap art from ever yth in g else, we
h ad fin an cial p rob lem s.
80. (1) From .... on wards = con ti n u -
in g form a p art icu lar tim e.
Th ey l ived t h ere form th e 198 0s
on ward s.
Hen ce, from th e n extm on t h on -
wards ... sh ou ld be u sed.
81. (3 ) Wh at you eat i s a cl au se.
Hen ce, si n gu lar verb sh ou ld be
u sed.
83. (2) First par t of th e sen ten ce is in
Past Sim pl e.
H en ce, t u r n ou t an d cal l ed i t
sh ou ld be u sed.
84. (4 ) It is preposition r elat ed error.
Sh e h as recen tly been appoin ted
to th e com m i ttee.
Hen ce, to ch ild pr otecti on u n i ts
sh ou ld be u sed.
85. (4 ) H ere, a per tu rb ed (participl e)
lot sh ou ld be u sed.
87. (3) Here, as several of th ese can ...
sh ou ld be u sed.
88. (1) H er e, b a s ed (A d j ec t i v e)
sh ou ld replace b ased.
Lo ok at t h e sen t en ce :
A Ch i cago b ased com p an y m an -
u fact u res t h is bran d of tob acco.
Th ese policies h ave a br oad b ase
of su p por t.
89. (1) Bu oy = to m ak e som ebody feel
ch eer fu l or con fi den t.
Hen ce, B u oyed b y stron g sal es
m om entu m for/ of its cars sh ou ld
be u sed h er e.
90. (4 ) Will is fol lowed b y i n fin iti ve
wi th ou t t o. Morover pr epositi on
of ‘of’sh ou ld be repalced by ‘for ’.
Here, wi ll con sider over seas l o-
cation s for th e facil ity ... sh ou ld
be u sed.
91. (1 ) H ere, Un der t h e p r op osed
(Adjecti ve) ex pan sion ... sh ou ld
be u sed n ot of proposal (Nou n )
Nou n (exp an sion ) an ad jecti ve
qu ali fies a n ou n .
92. (2) Look at th e st ru ctu r e.
Su bject + i s/ am / are + v-in g.
Hen e, attemptin g to force its eigh t
m i l l i on r esi d en t s (p l u r al ) ....
sh ou ld be u sed.
93. (2 ) H ere, Su bject is visi ts (pl u -
r al). Hen ce, p lu r al ver b ‘wer e’
sh ou ld be u sed. Mor e over, Past
is evi den t.
COMMON ERRORS
Hen ce, were di ves in t o t h e dar k -
n ess t h at con tai n ed .... sh ou ld
be u sed.
94. (3 ) As per t h e sen se, h ave been
su bstan tially (Adverb) faster (Ad-
jecti ve) .... sh ou ld be u sed.
96. (3) Here, en ou gh u n derstandin g
(Nou n ) of wh at on e ... sh ou ld be
u sed. It is n ot pr oper to u se Un -
derst an d (Verb ).
97. (3) Here, h as p oin t ed ou t th at
the ju diciary alon e is n ot to blam e
(i n fin iti ve)... sh ou ld be u sed.
Poin t ou t = to m en tion t o i n form
or m ak e som eon e n otice.
98. (3) Her e a sat ell ite app licati on
an d wi ll n ot be ab le (Adjecti ve) to
sh ou ld be u sed.
Lo ok at t h e sen t en ces :
Th e Ir ish free st at e cam e i n t o
bein g in 192 2.
He is bein g pu n ish ed for his fau lt.
99. (2) It i s Pr eposit ion rel ated er -
ror. H en ce, to be li m ited t o d o-
m est i c d est i n at i on sh ou l d b e
u sed.
Li m i t ed (t o som et h i n g) = re-
st ricted to a p art icu lar lim it of
ti m e, sp ace et c.
100. (4) Ap pr ec i abl e = lar ge en ou gh
to be th ou gh t i m portan t
Ap peal i n g = at tractive or i n ter -
esti n g.
Hence, more appealing/ apprecia-
ble shou ld be u sed. It is not prop-
er to u se Appealed (p art ici ple).
101. (3) H er e, i t i s Su b j ect – ver b
agreem en t relat ed error.
Hen ce, h ow were you sh ou ld be
u sed.
102. (4) Her e, si l en t (Ad j ect i v e) car -
di ac dam age sh ou ld be u sed. It
i s n ot p r op er t o u se Si l en c e
(Nou n ).
104. (2) Here, in fin iti ve = to + v1 i .e.,
seek s t o er ad i cat e foot p at h s
sh ou l d b e u sed. Here, pu rpose
is evi den t.
105. (1) It i s Pr eposit ion rel ated er -
ror. Hen ce, Th e m ove is aim ed at
sh ou ld be u sed.
Lo ok at t h e sen t en ces :
Th e govern m en t is aim in g at a
50% redu ction in u n employmen t.
106. (4) Fi rst cl au se of t h e sen ten ce
is in Past Sim p le. Hen ce, Sh e r e-
t u r n ed fr om sch ool sh ou ld b e
u sed . It is n ot p rop er to u se Pas-
si ve Voice. ppp
-35-

MODEL EXERCISES
Di r ect i on s (1 -1 3 ) : In th e follow-
in g qu estion s, a sen ten ce is split in to
fou r parts. Mark th e part of th e sen -
ten ce th at h as a gram m atical error.
1. (1) Th ey assu red u s i:?eb 19931
(2) th at th ey wou ld do
(3) th eir best to fin d ou t
(4) th e cau se for th e delay
(5) Non e of th ese
2. (1) Th e n u m ber of people
(2) wh o own person al com pu ter
(3) are in creasin g
(4) every year
(5) Non e of th ese
3. (1) Mahatma Gandhi
(2) an d Sarojini Naidu
(3) were con tem poraries
(4) of each oth er
(5) Non e of th ese
4. (1) You r fath er
(2) does n ot k n ow
(3) an y m ore th an I do,
(4) to tell you h ow to ru n you r life
(5) Non e of th ese
5. (1) ‘Fire’is on e of th ose film s
(2) wh ich h as cau sed
(3) th e recen t
(4) con troversy
(5) Non e of th ese
6. You (1)/ will be ready (2)/ to start
wh ile (3)/ h e com es. No error (4)/
All correct (5).
7. Th e girls (1)/ wh ich (2)/ won were
h onou red (3)/ by th eir frien ds. No
error (4)/ All correct (5).
8. Ram ask ed (1)/ wou ld I go (2)/ to
th e college with (3)/ h im . No error
(4)/ All correct (5).
9. Recen t stu dies h ave sh own (1)/
th at n on -sm ok in g (2)/ are m ore
p r o d u ct i v e t h an t h o s e w h o
sm ok e, (3)/ No error (4)/ All cor -
rect (5).
10. I h eard (1)/ Sita’s (2)/ k n ock ing at
(3)/ th e door. No error. (4)/ All cor -
rect (5).
11. Th e boys (1)/ is th ou gh t to be on e
(2)/ of the most gifted ch ildren (3)/
in th e class. No error (4)/ All cor -
rect (5).
12. Will (1)/ you mak e (2)/ m e a sm all
(3)/ favou r ? No error (4)/ All cor -
rect (5).
13. Th e dish es [a)/ prepared (2)/ by
th e h ostess was (3)/ placed on
th e table. No error (4)/ All correct
(5).
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Di r ect i on s (1 4 -1 8 ) : In each of
th ese qu esti on s, each sen t en ce h as
fou r u n d er l i n ed w or d s or p h r ases
m ark ed 1, 2, 3 an d 4. Ch oose on e word
or ph rase th at m u st be ch an ged for
th e sen ten ce to be correct.
14. E n gi n es u sed (1 )/ i n s p a c e
sh u ttles are m u ch larger (2)/ an d
m ore str on g (3)/ t h an t h e on es
u sed (4)/ in jet plan es/ All correct
(5).
15. Ben galu ru is a beau tifu l city (1)/
wh ich in (2)/ peop le h ave su c-
cessfu lly blen ded (3)/ th e m od-
ern with (4)/ th e tradition al / All
correct (5).
16. Th e bu s (1)/ was h ired (2)/ by
(3)/ th e ladies for its picn ic (4).
17. Th e ways of (1 )/ travellin g h as
ch an ged (2)/ dram atically sin ce
(3)/ th e late n in eteen th cen tu ry
(4)/ All correct (5).
18. Usu ally (1)/ the climate in m ou n -
tain ou s areas becom es m u ch (2)/
wi n d y (3)/ at h igh er (4 )/ al t i -
tu des/ All correct (5).
Di r ect i on s (1 9 -4 9 ) : To an swer
t h ese qu est i on s, ch oose a wor d or
ph rase wh ich is u nderlin ed an d wou ld
not be appropriate in standard English.
19. An u n expected raise (1)/ in th e
cost of livin g as well as (2)/ a de-
cline in employment opportu nities
r esu l t ed (3)/ in t h e r api d (4 )/
im plem entation of n ew Govern -
m en t p r ogr am s for t h e u n em -
ployed/ All correct (5).
20. It’s (1)/ imperative th at a man age-
m en t st u den t m ain t ain s (2)/ a
grade poin t of (3)/ “B” in h is (4)/
m ajor field/ All correct (5).
21. Regardless of (1)/ you r teach in g
m eth od, th e objective of an y con -
versation class sh ou ld be (2)/ for
t h e st u d en t s t o p r act i ce (3 )/
speak in g word s. (4 )/ All correct
(5).
22. Wh en th ey h ave been (1)/ frigh t-
en ed, (2)/ as for exam ple, by (3)/
an el ect rical storm , dairy cows
m ay refu se givin g (4)/ m ilk / All
correct (5).
23. If th e ozon e gases of th e atm o-
sph ere did n ot filter ou t (1)/ th e
u ltraviolet rays of th e su n , life as
(2)/ we k n ow it (3)/ wou ld n ot
h ave evolved on earth . (4)/ All cor -
rect (5).
COMMON ERRORS
24. Th e baby was left (1)/ in ch arge
(2)/ of an (3)/ elderly lady. (4)/ All
correct (5).
25. Atropy (1)/ can affect a cell, or -
gan, (2)/ tissu es (3)/ or (4)/ lim b/
All correct (5).
26. More th an (1)/ on e scien tists (2)/
h ave con tribu ted (3)/ to th e su c-
cess of th is ven tu re (4)/ All cor -
rect (5).
27. Sm ok in g (1 )/ i s n ot all owed at
petr ol pu m p s becau se t h ere i s
(2)/ too m an y (3)/ easily ign ited
(4)/ m aterial in th e vicin ity/ All
correct (5).
28. Recreation is an y activity (1)/
en gaged (2)/ for self-satisfaction
th rou gh (3)/ relaxation , fu n , or
(4)/ lik e opportu n ity for self-ex-
pression / All correct (5).
29. Th ree con dition s critical (1)/ for
growin g (2)/ plan ts are soil, tem -
peratu re, chemical balance or (3)/
am ou n t (4)/ of m oistu re/ All cor -
rect (5).
30. Wh ite (1)/ a stron g defen d (2)/ is
im portan t to an y cou n try it can -
n ot be m ore im portan t th an th e
livelih ood (3)/ of its (4)/ citizen s/
All correct (5).
31. It (1)/ can tak e h u n dreds (2)/ of
differen t experim en ts to ach ieve
(3)/ a (4)/ u ltim ate solu tion / All
correct (5).
32. Caffein e (1)/ in coffee is relative
(2)/ h arm less if people drin k (3)/
it m oderately (4)/ All correct (5).
33. It is (1)/ impossible of (2)/ an (3)/
alcoh oli c to (4 )/ d ri n k m od er -
ately/ All correct (5).
34. Th e girl (1)/ said th at sh e pr e-
ferr ed (2)/ th e blu e saree th an
(3)/ th e pin k on e. (4)/ All correct
(5).
35. Why you are (1)/ not following (2)/
m y advice (3)/ to join a (4)/ tech -
n ical in stitu te/ All correct (5)?
36. Som e col leges h as set u p (1 )/
sm al l (2 )/ t u t or i al gr ou p s for
closer (3)/ relation sh ip between
(4)/ professors an d stu den ts/ All
correct (5).
37. A (1)/ plan etariu m with h is (2)/
down ed ceilin g an d m an y projec-
tion s is cap able (3)/ of sh owin g
th e position (4)/ of th e stars in
an y season / All correct (5).
-36-

38. In 60’s Beatless, with (1)/ th eir
h aircu ts, cloth es an d jok in g (2)/
drew (3)/ crowds of shriek ing (4)/
teen agers/ All correct (5).
39. River water pollu tion (1)/ is often
in dicate (2)/ by (3)/ algae distri-
bu tion / All correct (5).
40. Th e ways of com m u n ication (1)/
has (2)/ changed dram atically (3)/
sin ce (4)/ t h e l ast cen t u ry/ Al l
correct (5).
41. Which (1)/ determines a (2)/ good
m eal varies (3)/ from cou n try to
(4)/ cou n try/ All correct (5).
42. Gan dh iji lived a n oble life of fast-
in g (1)/ an d poverty (2)/ in order
to work for peacefu l (3)/ an d in -
depen den ce. (4)/ All correct (5).
43. Th e first year of ch ild’s life is (1)/
ch aract erised (2)/ in (3)/ rapid
ph ysical (4)/ growth / All correct
(5).
44. Many psych ologists today su ggest
(1)/ th at we in terpret dream s by
compare (2)/ the dreams with (3)/
th e reality of each person ’s (4)/
life/ All correct (5).
45. Wh en (1)/ I cam e h om e, th e (2)/
ch ildren still finish (3) dinner. (4)/
All correct (5).
46. He wou ld (1)/ n ever h ave tak en
th e job if h e h ad been k n owin g
(2)/ wh at great dem an ds (3)/ it
wou ld m ak e (4)/ on h is tim e/ All
correct (5).
47. Schools in India can be su pported
(1)/ eith er by government budgets
(2)/ and (3)/ by private roungations.
(4)/ All correct (5).
48. Delh i is defin itely (1)/ on e of th e
(2)/ m ost large (3)/ cities (4)/ in
th e world/ All correct (5).
49. Both (1)/ person ality an d exter -
n al look in g (2)/ vary (3)/ greatly
even am on g (4)/ brothers and sis-
ters/ All correct (5).
Di r ect i on s (50 -52 ) : In th e follow-
in g qu estion s, a sen ten ce is split in to
fou r parts. Mark th e part of th e sen -
ten ce th at: h as a gram m atical error.
50. (1) A very m iserly
(2) farm er wh o lived
(3) with h is wife
(4) in th e J am aican islan ds
(5) Non e of th ese
51. (1) Mrs. Sin gh was
(2) emphasizing
(3) on th e im portan ce
(4) of com in g for class
(5) Non e of th ese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
52. (1) The children (2) in fron t
(3) h as n o (4) sh oes on
(5) Non e of th ese
Di r ect i on s (5 3 -7 4 ) : To an swer
t h ese qu est i on s, ch oose a wor d or
ph rase wh ich is u nderlin ed an d wou ld
not be appropriate in standard English.
53. Of all th e problem s that have con -
fron ted (1)/ h u m an bein gs sin ce
(2)/ the beginning of recorded his-
tory, perh aps th e m ost significan t
h ave been (3)/ th e riddle of (4)/
th eir origin / All correct (5).
(1) A (2) B
(3) C (4) D
54. Th e water flow at (1)/ abou t 2.5
m per secon d for abou t 12 h ou rs
w h en t h e t i d e i s r i si n g (2 )/
th rou gh th e ch an n el, pau sed (3)/
at h i gh t id e an d t h en r ever ses
direction (4)/ All correct (5).
55. Vim la’s two sisters (1)/ are both
(2 )/ ver y i n t el l i gen t an d h ar d
work in g, (3) still/ I don ’t k n ow
wh y, I lik e th e form er th e m ost
4/ All correct (5).
56. Sh e wou ld h ave ask ed (1)/ Sita
to leave h er room th at very m inu te
(2)/ if h er br ot h er wou l d h ave
been (3)/ in th e h ou se th at day.
(4)/ All correct (5).
57. It is pity that (1)/ a son born from
(2)/ very good paren ts shou ld live
a life of m isery (3)/ an d depriva-
ti on of th e worst or der. (4 )/ Al l
correct (5).
58. Every can didate u n der (1)/ con -
siderin g (2)/ for a m ilitary job
m u st u n d er go (3 )/ a t h r ou gh
medical (4) / examin ation/ All cor -
rect (5).
59. Caricatu re, a type (1)/ of exag-
geration (2)/ is comm on (3)/ u sed
in (4)/ political cartoon s/ All cor -
rect (5).
60. If Swifts’Gu livers Travels attracts
less (1)/ readers th an (2)/ it did
in th e eigh t een t h cen tu ry, per -
h aps (3)/ th e reason is th at m o-
dem readers do n ot k now en ou gh
political history to appreciate (4)/
th e satire/ All correct (5).
61. Becau se cou ghin g (1)/ spread (2)/
germ s an d Ram is cou gh in g, (3)/
Ram is spreadin g (4)/ germ s/ All
correct (5).
62. He is on e (1)/ of th e sh rewdest
m en (2)/ th at is (3)/ in th e (4)/
adm in istration / All correct (5).
63. No soon er h ad h e (1)/ com e from
Mu m bai wh en (2)/ h e was ask ed
(3)/ to proceed to (4)/ Delh i/ All
correct (5).
COMMON ERRORS
64. Dru g abu se have (1)/ becom e on e
of (2)/ ou r m ost (3)/ seriou s so-
cial problem s. (4)/ All correct (5).
65. Alexan der Calder, wh o was origi-
n ally (1)/ in terested in (2)/ m e-
ch an i cal en gin eer in g l at er (3 )/
becam e a scu lptu re. (4)/ All cor -
rect (5).
66. Stu dyin g (1)/ th e scien ce of (2)/
logic is on e way to (3)/ cu ltivate
on e’s reason (4)/ sk ills/ All cor -
rect (5).
67. Organ ized (1)/ labou r h as figh t
(2)/ for an d won protection an d
ben efits (3)/ for its (4)/ work ers/
All correct (5).
68. A m u sic an d dan ce sh ow h ave
been (1)/ organ ized to raise (2)/
fu n ds for th e orph an age on th e
fir st (3)/ Satu r day of n ext (4 )/
m on th / All correct (5).
69. Th e book is well-prin ted (1)/ an d
attractively bound (2)/ making alto-
gether (3)/ an attractive volu me .(4)/
All correct (5).
70. Th e pleu ra th at cover (1)/ th e ex-
terior (2)/ of th e lu n gs (3)/ an d
th e in n er walls of th e ch est cav-
it y is (4 )/ a t h i n elasti c m em -
bran e/ All correct (5).
71. Hard work an d self-disciplin e of-
ten resu lt (1)/ in a rise (2)/ n ot
on ly in on e’s (3)/ salary bu t also
in you r self-esteem . (4)/ All cor -
rect (5).
72. Alth ou gh , (1)/ th e advisory com -
m ission on Cen tral Am erica h as
com pleted th eir (2)/ report th at
addresses (3)/ th e political ten -
sion s in th at area, n o easin g (4)/
of ten sion s h as resu lted/ All cor -
rect (5).
73. Man y of u s bem oan (1)/ ou r lack
of foresigh t by com plain in g th at
if we wou ld _h ave (2)/ bou gh t
p r oper t y t wen t y year s ago, we
cou ld h ave (3)/ tak en advan tage
of t h e r ecen t r eal est at e (4 )/
boom / All correct (5).
74. After th e absen tee (1)/ ballots h ad
been cou nted, th e total of th e au -
th orized votes cast (2)/ in the elec-
tion were (3)/ on e th ird less (4)/
th an wh at h ad been predicted/
All correct (5).
Di r ect i on s (7 5 -8 2 ) : To an swer
t h ese qu est i on s, ch oose a wor d or
ph rase wh ich is u nderlin ed an d wou ld
n ot th e appropriate in stan dard En -
glish .
75. I prefer Th e Hin du , (1)/ bu t m y
eldest (2) / son reads (3)/ Tim es
of In dia. (4)/ All correct (5).
-37-

76. H e was wear i n g sh ab b y , (1 )/
faded trou ser (2)/ wh ich h e ex-
plained, were called jean s (3)/ and
cost (4)/ a fortu n e/ All correct (5).
77. He h as becom e (1)/ so weak th at
even (2)/ a two fu rlongs (3)/ walk
mak es him breathless, (4)/ All cor -
rect (5).
78. A pictu re of on e of (1)/ th e pro-
gen itors (2)/ of th e fou n der (3)/
of th e com pan y h an ged (4)/ on
th e wall/ All correct (5).
79. His secretary told m e (1)/ that she
was u n able to tell u s wh en (2)/
h er boss wou ld retu rn back (3)/
from (4)/ h is work / All correct (5).
80. Lost in th ou gh t, (1)/ with a va-
can t look (2)/ in h is eyes, (3)/ h e
laid (4)/ on th e cou ch / All correct
(5).
81. Th e sym ptom s (1)/ of diabetes in
th e (2)/ early stages are too (3)/
sligh t th at people do n ot n otice
th em , (4)/ All correct (5).
82. Stu dyin g (1)/ th e scien ce (2)/ of
logic is on e way to (3)/ cu ltivate
on e’s reason (4)/ sk ills/ All cor -
rect (5).
Di r ect i on s (8 3 -8 6 ) : In each of
th ese qu estion s, on e sen tence h as been
split in to fou r parts. Th ere is an error
in on e part. Iden tify th e part h avin g
th e error.
83. (1) A sk ilfu l advertiser may be able
to create
(2) practically a monopoly for him-
self
(3) n ot becau se h is produ ct is su -
perior to
(4) bu t becau se he h as su cceeded
in in du cin g people to believe
th at it is
(5) Non e of th ese
84. (1) Wh atever m ay be th e origin of
sp eech
(2) we can be certai n th at m an
did n ot begin
(3) to feel th e n eed to speak
(4) u n til h e began to live in com -
mu nities
(5) Non e of th ese
85. (1) I regret to brin g to you r k in d
notice
(2) th at m y son Sach in Du bey of
V t h stan dard
(3) o f y o u r s ch oo l , h as b een
fou n d to be m u ch distressed
(4) an d ou t of sorts for th e last
few days
(5) Non e of th ese
86. (1) Ou r teem in g m asses, n ever -
th eless illiterate th ey m ay be,
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(2) h ave a very h igh sen se of con -
sciou sness
(3) an d th ey are fu lly capable
(4) of exercisin g th eir fran ch ise
(5) Non e of th ese
Di r ect i on s (8 7 -9 1 ) : In each of
th ese qu estion s, on e sen tence h as been
split in to fou r parts. Th ere is an error
in on e part. Iden tify th e part h avin g
th e error.
87. (1) Du rin g th e last cen tu ries
(2) w h al i n g voy a ges d ep ar t ed
regu larl y fr om t h e New En -
glan d states
(3) and becau se each voyage n or -
m ally exten ds for years
(4) th e hold was pack ed with su p-
plies before a wh alin g sh ip set
sail
(5) Non e of th ese
88. (1) Th e Rotary Clu b applau ded
(2) Hari an d I
(3) for ou r work
(4) h elp in g t h e h an di capped in
town fin d secu re jobs.
(5) Non e of th ese
89. (1) Becau se th ey refu se to follow
th e con ven tion al dress code
(2) n either Sh ivam
(3) n or h er frien ds
(4) is in vited to th e local society
fu nction
(5) Non e of th ese
90. (1) Th e reason wh y
(2) h e was rejected
(3) was
(4) becau se h e was too you n g
(5) Non e of th ese
91. (1) Th e m om en t t h ey cam e t o
k now
(2) th at th eir leader
(3) was issu ed a ch arge sh eet
(4) th e en ti re grou p of wor k ers
wen t on a strik e
(5) Non e of th ese
Di rect i on s (9 2–9 5) : Each of these
qu estion s h as fou r parts. Iden tify th e
part wh ich is n ot correct.
92. No soon er h e left th e office (1)/
th an it started (2)/ raining h eavily
(3)/ en ou gh to m ak e h im com -
pletely wet. (4)/ All correct (5).
93. Even after h earin g th e leader (1)/
for a lon g tim e (2)/ th e followers
cou ld not m ak e ou t (3)/ wh ich h e
was talk in g abou t, (4)/ All correct
(5).
94. The principal along with the teach-
ers (1)/ were seen boardin g a bu s
(2)/ to go to a picn ic (3)/ on a
national holiday, (4)/ All correct (5).
COMMON ERRORS
95. With th e in trodu ction of th e n ew
syllabu s (1)/ th e n u m ber of col-
leges reportin g (2)/ h igh resu lts
are decreasin g (3)/ year after year,
(4)/ All correct (5).
Di r ect i on s (9 6 -9 9 ) : Iden tify in -
correct sen ten ce.
96. (1) Th e en ergy, th e faith , th e de-
votion wh ich we brin g to th is
endeavou r will light ou r cou n -
try an d all wh o serve it
(2) I do n ot believe th at an y of u s
wou ld exch an ge places with
an y oth er people or an y oth er
generation
(3) I n t h e l on g h i st or y of t h e
world, on ly a few gen eration s
h as been gran ted th e role of
defen din g freedom in its h ou r
of m aximu m dan ger
(4) Th e glow fr om th at fir e can
tru ly ligh t th e world
(5) Non e of th ese
97. (1) It’s said with ou t artifice an d
with ou t care for political cor -
rect n ess
(2) At th e m ost su rprisin g of m o-
m en ts th ey exactly blu rt it ou t
(3) Wh en th ey wan t to, In dian s
h ave an am azin g way of tell-
in g th e tru th
(4) Un varnished it n o dou bt is bu t
it’s also refresh in gly u nalloyed
(5) Non e of th ese
98. (1) The secon d risk lies in th e glo-
b al m acr oecon om i c i m b al -
an ces, r efl ected i n th e t wi n
deficits of th e US an d risin g
su rplu ses of Asia
(2) Th er efor e, ad dr essin g in fr a-
stru ctu re gaps n eeds to doin g
ou r topm ost priority n ext year
(3) A s t h e gr o w i n g ec o n o m y
mak es increasing demands on
in fr astr u ctu re i n p u t s, t h ese
problem s cou ld worsen in th e
com ing year
(4) Th e lon ger th ese im balan ces
h ave p er si st ed , t h e gr eat er
h as becom e th e risk of a dis-
ru ptive correction
(5) Non e of th ese
99. (1) For years n ow, pitch es h ave
b een p r ep ar ed t o su i t t h e
h om e team ’s st r en gth s an d
that is fin e so long as the pitch
is n ot a lottery
(2) It is h ere th at BCCI n eeds to
sh ow th e sam e will, as th ey
h ave sh own in m ak in g play-
ers play dom estic crick et
-38-
 COMMON ERRORS
(3) Th e on ly problem is th at th e 105. Even 6. (3) With presen t in defin ite (h ere
wick ets th at are on offer for (1) th ose wh o profess “h e com es”) wh ile can not be u sed
d om esti c cri ck et ar e h ar dl y (2) to car e abou t ‘green ’ issu es (wh ile in con tin u ou s); so eith er
con du cive for batsm an often fail to con sider ‘wh en ’or “by th e tim e”.
(4) If on e goes by th e scores in (3) h ow th eir daily ch oices 7. (2) ‘Wh ich ’is u sed for in an im ate
som e of th e m atch es, esp e- (4) effect th e en viron m en t. objects; so ‘wh o’.
cially Delh i’s gam es, th en it is (5) Non e of th ese 8. (2) In in direct sen ten ce even in
qu ite obviou s th at th e pitch es in terrogative au xiliary verb com es
aft er t h e su b j ect . Th en , ‘i f or
prepared are su bstandard and SHORT ANSWERS Wh eth er’is u sed to den ote qu es-
n ot con du cive to a fair con test
tion ; so “if/ wh eth er I wou ld”.
between bat an d ball
1. (4) 2. (3) 3. (4) 4 . (3) 9. (2) ‘Non-smok ers’to denote people.
(5) Non e of th ese
5. (2) 6. (3) 7. (2) 8. (2) 10. (4) Before geru n d possessive form
Di r ect i on s (1 0 0 -1 0 5 ) : Id en ti fy is u sed; so ‘Sita’s’is OK
th e error from below m en tion ed sen - 9. (2) 10. (4) 11. (1) 12. (2) 11. (1) Becau se of ‘on e’ th e su bject
ten ces. sh ou ld be sin gu lar; so ‘boy*.
13. (3) 14. (3) 15. (2) 16. (4)
100. Al t h ou gh , far m er s com p l ai n ed 12. (2) Th e corr ect ph r ase is “do a
th at th e com pan y’s n ew produ ct 17. (2) 18. (2) 19. (1) 20. (3) favou r”.
was expen sive, m alodorou s an d 21. (3) 22. (4) 23. (1) 24. (2) 13. (3) Th e su bject of ‘Was’is dish es
(1) dan gerou s to han dle wh ich is plu ral; so Were’.
25. (3) 26. (2) 27. (3) 28. (1)
(2) th ere was few wh o 14. (3) Wh en th ere is a n atu ral com -
(3) wou ld dispu te its effectiveness 29. (3) 30. (2) 31 . (4) 32. (2) parative (stron ger) wh y to m ak e
(4) as an in secticide. 33. (2) 34. (3) 35. (1) 36. (1) on e addin g on e ?
(5) Non e of th ese 15. (2) To sh ow a place Wh ere’.
37. (2) 38. (2) 39. (2) 40. (2) 16. (4) Pron ou n or Adjective ‘Its’h as
101. When
41. (1) 42. (3) 43. (3) 44. (2) been u sed for plu ral ladi es; so
(1) it becam e apparent to live that
‘their’.
n ot one of the remaining jurors 45. (3) 46. (2) 47. (3) 48. (3)
17. (2) Su bject of “h as ch an ged ” is
(2) were goin g to believe h is 49. (2) 50. (2) 51. (3) 52. (3) ‘ways’; so “h ave ch an ged”.
(3) clien t’s alibi, h e began to re- 18. (2) Com parative; so ‘m ore’.
53. (3) 54. (3) 55. (4) 56. (3)
consider the district attorn ey’s 19. (1) It sh ou ld be ‘rise’n ot ‘raise’.
(4) offer of a plea bargain . 57. (2) 58. (2) 59. (3) 60. (1) 20. (3) Delete ‘of.
(5) Non e of th ese 61. (2) 62. (3) 63. (2) 64. (1) 21. (3) Here To +V is n eeded. Prac-
102. High fidelity, a su ccessfu l book tice is n ou n ; ‘Practise’is verb.
65. (4) 66. (4) 67. (2) 68. (1)
an d film , 22. (4) Refu se + Ving m ean s the work
(1) becom e 69. (3) 70. (1) 71. (3) 72. (2) ie, Vin g h as been don e before to
(2) su ccessfu l as a cu lt classic be- 73. (2) 74. (3) 75. (4) 76. (2) refu se; so ‘refu se to give’.
cau se of its sh arp wit an d 23. (1) In past con dition al if + past
77. (3) 78. (4) 79. (3) 80. (4) perfect is n eeded; so ‘h ad n ot fil-
(3) by presen tin g a qu irk y m ain
ch aracter, Rob, 81. (3) 82. (4) 83. (2) 84. (1) tered ou t’.
24. (2) In ch arge m ean s com m an der
(4) as a com m on m an . 85. (3) 86. (1) 87. (3) 88. (2) or h ead of som eth in g. It sh ou ld
(5) Non e of th ese
89. (4) 90. (4) 91. (4) 92. (1) be “in th e ch arge of.
103. (1) Th ou gh Paticia’s resu m e was 25. (3) Determ in er ‘a’is com m on for
(2) n ot n early as long and impres- 93. (4) 94. (2) 95. (3) 96. (3)
all th e n ou n s; so in place of ’tis-
sive as 97. (4) 98. (2) 99. (2) 100. (2) su es’‘’tissu e’sh ou ld be th ere.
(3) th e oth er applican t h er per - 26. (2) On e scien tist.
101. (2) 102. (1) 103. (3) 104. (3)
son al ch arism a was 27. (3) Su bject is ‘m aterial’and it has
(4) so great th at Mr. Alvarez h ired 105. (4) been treated h ere as u ncou n table
h er on th e spot. an d singu lar (th ere is). That’s wh y
(5) Non e of th ese EXPLANATIONS it sh ou ld be ‘too m u ch ’. We can -
104. Oppon en ts of th e Art n ot m ak e m aterial plu ral pu ttin g
1. (4) “Cau se of ”. ‘s’ becau se th en we will h ave to
(1) argu ed th at th e legislation
2. (3) Th e su bject of “are in creasin g” ch an ge B as “th ere are” an d th en
(2) was n ot on ly vagu ely form u -
is “th e n u m ber” wh ich is sin gu - th ere will be m istak es in both of
lated and u nconstitu tional, bu t them .
lar; so “is in creasin g”.
also impossible 28. (1) ‘An y’is u sed in n egative or in -
3. (4) Con tem porary with / to.
(3) to enforced in an in tern ational terrogative sen ten ce; so an ‘activ-
4. (3) ‘An y’is n ot requ ired h ere.
(4) an d vi r t u al l y u n r egu l at ed ity’.
5. (2) Th e su bject of ‘h as’ is film s
aren a. 29. (3) We h ave to join n ot to give op-
wh ich is plu ral; so ‘h ave’.
(5) Non e of th ese tion ; so ‘an d’in place of ‘or’.
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30. (2) Nou n is n eed ed; so ‘defen d’
(verb) sh ou ld be replaced by ‘de-
fen ce’.
31. (4) Before vowel ! sou n d ‘u ltim ate’
‘an ’in place of ‘a’.
32. (2) Before an adjective (h arm less)
adverb m u st com e ie, ‘relatively’.
33. (2) Im possible ‘for’.
34. (3) Pr efer t ak es ‘t o’ i n st ead of
‘than’.
35. (1) In interrogative senten ce, au x-
iliary verb com es before su bject;
so ‘are you r.’
36. (1) A plu ral verb for th e su bject
‘colleges’; so ‘h ave set u p’.
37. (2) Pron ou n for plan etariu m ; so
‘its’n ot h is.
38. (2) Nou n shou ld be ‘jok es’not jok -
ing.
39. (2) In passive verb is al ways in
th e th ird form ; so ‘in dicated’.
40. (2) Su bject of “h as ch an ged’’ is
‘ways’; so “h ave ch an ged”.
41. (1) As a su bject it shou ld be ‘wh at’
(or th at wh ich )
42. (3) After preposition (h ere ‘for’) a
n ou n com es; so ‘peace’.
43. (3) Preposit ion is ch aracteri sed
‘by’.
44. (2) After preposition (here ‘by’} verb
com es in th e vin g form ; so ‘com -
paring’.
45. (3) Here, ‘still’will tak e a perfect
form ; so “h adn ’t fin ish ed”.
46. (2) In p ast con d i ti on al aft er ‘i f
p ast p er fect fol l ow s; so “h ad
k nown”.
47. (3) Eith er or.
48. (3) Natu ral separative is available;
so ‘largest’.
49. (2) For appearan ce it is ‘look ’n ot
look ing.
50. (2) Relative pron ou n ‘Wh o’is n ot
requ ir ed becau se t h en an oth er
verb after “.... islan ds” will be re-
qu ired.
51. (3) After em ph asizing n o preposi-
tion is requ ired.
52. (3) Th e su bject of ‘h as’is children;
so ‘h ave’.
53. (3) Th e su bject of “h ave been ” is
‘riddle’; so “h as been ”.
54. (3) For a n atu ral action presen t
in defin ite is u sed; so ‘pau ses’(“is
risin g” is OK becau se it den otes
a poin t of tim e).
55. (4) For two th in gs (h ere ‘two sis-
ters’) su perlative can n ot be u sed;
com parative is requ ired; so ‘m ore’
in place of “th e m ost”.
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56. (3) If + past perfect is n eeded; so
‘had been ’(see 37 for explanation).
57. (2) Th e correct preposition al u se
is ‘born of good paren ts.
58. (2) Th e ph rase is ‘u n der con sid-
eration ’.
59. (3) To qu alify a verb (h ere ‘u sed’)
adverb is requ ired; so ‘com monly’.
60. (1) ‘Less’is u sed for u n cou n table
n ou n wh ereas ‘readers’is cou n t-
able; so ‘fewer’.
61. (2) C ou gh i n g i s s i n gu l ar ; s o
‘spreads’.
62. (3) Th e n ou n of th e relative pro-
n ou n ‘th at’is m en wh ich is plu -
ral; so “th at are”.
63. (2) No soon er— th an .
64. (1) For ‘abu se’it sh ou ld be ‘h as’.
65. (4) ‘Scu lptu re’ is th e art, ‘scu lp-
tor’is th e artist.
66. (4) Before ‘sk ills’ an adjective is
requ ired; ‘reason ’ is a n ou n ; so
‘reasoning’.
67. (2) After h as v3 sh ou ld be u sed;
so ‘fou ght’,
68. (1) Th e su bject of “h ave been ” is
‘sh ow’wh ich is sin gu lar; so “h as
been ”.
69. (3) The object of ‘m ak in g’is m iss-
i n g w h i ch gi ves a m i sl ead i n g
m ean ing; so it sh ou ld be “m ak in g
it altogether”.
70. (1) Pleu ra is sin gu lar; so ‘covers’.
71. (3) Si n c e, ‘y o u r ’ c an n o t b e
ch an ged as it is n ot u n derlin ed
we will h ave to ch an ge ‘on e’s’ to
m ak e th e pron ou n s sim i lar; so
‘you r’.
72. (2) Sin ce, ‘their’has been u sed for
sin gu lar ‘commission’it sh ou ld be
‘its’.
73. (2) With ‘if’n o modal can be u sed;
so ‘h ad’in place of “wou ld h ave’.
74. (3) Th e su bject of ‘were’ is total
wh ich is sin gu lar; so ’was’.
75. (4) Before th e n am e of a n ewspa-
per Th e’is u sed.
76. (2) Trou ser’s correct form is Trou -
ser s’ an d i s u sed as a p l u r al
nou n.
77. (3) ‘Two fu rlon gs’m ak es a sin gle
expression ; so ‘two fu rlon g’is as-
sociated with pu nish ment ‘Hu ng’.
78. (4) ‘Han ged’(V 2 / V 3 ) is associated
with pu nishm en t, ‘Hu n g’, (V 2 / V 3)
m ean s pu t on th e wall.
79. (3) On ly ‘retu rn’is requ ired wh ich
means “comes back ’’. Retu rn back
is a wron g expression .
80. (4) Lay (laid, laid) m ean s to pu t
COMMON ERRORS
som eth in g in a defin ite position ;
to pu t on eself fiat m ean s ‘s, (lay,
lain ) ; so lay.
Lie (lied, lied) h as an oth er m ean -
in g wh ich is to speak false.
81. (3) ‘Too’ al on e gives a n egat ive
m ean in g; so ‘so’th at.
82. (4) ‘Sk ills’bein g n ou n requ ires an
adjective; so ‘reason in g’.
83. (2) Rem ove ‘to’ becau se th ere is
n o com parison in volved.
84. (1) Rem ove ‘m ay’.
85. (3) Repl ace ‘m u ch ’ wi t h Ver y1 ’
(‘m u ch ’ is n ot u sed as qu alifier
wh en a past participle is u sed as
adjective).
86. (1 ) Rep l ace ‘n ever t h el ess’ wi t h
‘h owsoever’.
87. (3) Rep l ace ‘ex t en d s’ wi t h ‘ex -
tended’becau se the sentence con-
cern s past.
88. (2) Replace ‘T’with ‘m e’.
89. (4) Replace ‘is’ with ‘are’. Wh en
two n ou n s are join ed by n eith er -
nor, the verb agrees with th e nou n
com in g after ‘n or’.
90. (4) Replace ‘becau se’ with ‘th at’.
Th e reason (wh y) it sel f im p li es
becau se.
91. (4) Rem ove ‘en tire grou p of. Use
of ‘th ey’, ‘th eir’in dicates th at th e
n ou n sh ou l d b e p l u r al. En t ir e
grou p m ak es th e n ou n sin gu lar.
92. (1) Rewrite th e part as “No soon er
did h e leave....” (ru le of in version )
93. (4) Replace Wh ich ’with Wh at’.
94. (2) Replace ‘were’with ‘was’. Wh en
two n ou n s are j oin ed by ‘alon g
with ’, verb agrees with th e first
nou n.
95. (3) Replace ‘are’ with ‘is’ as th e
su bject is ‘n u m ber’.
96. (3) Replace ‘h as’ with ‘h ave’ be-
cau se th e su bject is ‘a few gen -
eration s’.
97. (4) Replace ‘n o dou bt’ with ‘u n -
dou btedly’ as it is qu alifyin g an
adjective (u n varn ish ed) .
98. (2) Replace ‘doin g’with ‘be’. Th e
correct in fin itive form is toV 1 .
99. (2) Replace ‘th ey h ave’with ‘it has’.
For BCCI u se of ‘n eeds’(sin gu lar)
and ‘they have’(plu ral) in the same
sen ten ce is in com patible.
100. (2) Replace ‘was’by ‘were’.
101. (2) Replace ‘were’by ‘was’.
102. (1) Replace ‘becom e’by ‘becam e’.
103. (3) Say ‘th e other applican t’s’.
104. (3) Say ‘to be en forced’.
105. (4) Replace ‘effect’by ‘affect’.
ppp
-40-
 FILL UP THE BLANKS (SINGLE SPACE)

FILL UP THE BLANKS

(SINGLE SPACE)
rally’ h ave its own p attern s — 12. Man y with _______ I h ave sh ared
NATIONALISED BANKS tren ds, season al or cyclical flu c- m y th ou gh ts h ave sh own in iti al
tu ations. su rp ri se.
& IBPS PO/MT/SO
(1) var iables (2) tools (1) wh om (2 ) wh o
Di r ect i o n s (1 –1 0 ) : Pick ou t th e (3) statistics (4) regi on s (3) wh i ch (4) th at
m ost effect i ve wor d fr om t h e gi ven (5) cou n tries (5) m e
wor ds to fil l in th e b lan k s to m ak e th e 7. In h is first pu blic com men ts, th e 13. Ou r presen t _______ towards th e
sen tence mean in gfu lly com plete in th e Presiden t said with con cern th at en vi r on m en t con t r ast s qu i t e
con text t o t h e sen t en ce. th e leak of classified in formation sh arp ly wit h ou r h ist ori cal rev-
(Sy n d i cat e Ban k PO Ex am . 29. 08. 201 0) from the battlefield “cou ld poten - er en ce for n atu r e.
1. An im portan t ________ of In d ian ti all y _______ in d ivi du al s or op- (1 ) state (2) apath y
bu sin ess has been its sh ort-term eration s”. (3) n atu re (4) disposition
focu s. (1) str en gt h en (2) k ill (5) appeal
(1 ) dr aw (2 ) n eglect (3) jeopardize (4) di stu rb 14. Ch an gi n g life-styles in In d ia are
(3 ) ven tu re (4 ) figu re (5) id en tify c a u s i n g m a n y f r u s t r a t i on s ,
(5) failin g 8. B y t h e gover n m en t ’s _______ _______ peop le to lash ou t at th e
2. Th e In ter n et m ay n ot ______ ev- som e relief from ragin g price rise weak est .
eryth in g we do, bu t i t h as al - can h appen an yt im e in th e n ext (1) m otivatin g (2) tem ptin g
r ead y r evol u t ion i zed b u si n ess six m on t h s. (3) leadin g (4) k illin g
an d will con tin u e to d o so. (1) n otice (2) reck on in g (5 ) stressi n g
(1 ) m ark (2 ) p rove (3) plan (4) su ggestion 15. Th ere was th is n ew beli ef am on g
(3) ch an ge (4 ) h elp (5) postin g peopl e th at th ey cou l d be su c-
(5 ) st op 9. Anger, th e psychologists say, has cessfu l, an d t h at th ere wer e op-
as m u ch t o d o with cooper ati on portu n it ies h ere for th e ______.
3. Th ese two exam ples _______ th at
In dian Com pan ies are capable of as wit h con flict s, an d em otion s (1) tak in g (2) all
acqu i rin g a gl obal m in d -set. ar e u sed to _______ ot h ers in to (3) darin gly (4) gran ted
(1 ) n eed (2 ) wri te cooperat in g in th e l on g ru n . (5) grabbin g
(3 ) gen erate (4) illu strate (1 ) pr od (2) brin gin g 16. _______ a cou n tr y’s cu rren t ac-
(5) follow (3 ) tak e (4) i n vite cou n t is in defici t, it wou l d i m -
(5 ) ask ply th at its im ports of goods an d
4. Th ere is an old idea i n econ om -
servi ces ar e h igh er t h an it s i n -
ics that if a rich and a poor cou n - 10. Wh at star ted as a m att er of n a-
com e fr om exp or ts an d r em it -
tr y ar e _______ b y tr ad e, t h eir ti on al pr ide seem s to be com i n g
tan ces from n on -resid en t s.
st an d ard of livin g sh ou ld con - i n for _________ fr om var i ou s
qu art ers for a bu d get th at h as (1) As (2 ) Given
verge in th e l on g ru n .
qu adru pled. (3 ) Un less (4 ) Rath er
(1) m ixed (2) lin k ed
(1) sh am e (2 ) feedback (5 ) If
(3 ) away (4) sim ilar
(3 ) loss (4 ) fl ak 17. In fact, _____ th e m an y years of
(5) m eetin g
b ei n g a cl osed , h i gh - t ar i ff
5. Al l cou n t r i es h ave con su m er (5 ) in crease
economy, we h ave always been
price in dices, som e more reliable Di r ect i on s (1 1 -1 9 ) : Pick ou t th e m or e op en m i n d ed t h an t h e
th an oth ers, som e qu i te ou t of m ost effecti ve wor d/ s fr om t h e given econ om ic models we have lived
date, bu t all con cern ed with ____ word/ s t o fi ll in th e bl an k s to m ak e u nder.
overall pri ce ch an ges. the sen tence mean in gfu lly com plete in
(1) in spite (2 ) besid es
(1) controllin g th e con t ext of th e sen t en ce.
(3) of (4 ) pr ovid ed
(2) m easu rin g (PNB Man agem en t Tr ai nee
(5 ) despi te
(3) pu blish in g Exam . 28 .1 1. 20 10 )
18. Th e ,m ost en cou ragin g fact i s
(4) redu cin g 11. ______ I n ot in form ed you abou t
th at ch an ge is spreadin g _______
th i s, you wou ld h ave m i ssed th e
(5) teach in g the cou ntry an d reach in g villages
opportu n ity.
6. Ch an ges i n sales, for exam pl e, an d sm all town s.
(1 ) If (2 ) Pr ovid ed
n eed n ot be an alysed with r e- (1 ) fr om (2 ) over
sp ect to oth er ______, becau se (3 ) Un less (4 ) H ad
(3 ) across (4 ) far
th e sale of a prod u ct m ay ‘n at u - (5 ) Have
(5) am on g
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 FILL UP THE BLANKS (SINGLE SPACE)
19. In a str in g of decisi on s, i n for - (E) su cc u m bed (F) ded i cat ed (5) (A) an d (C)
m ation comm issions have forced (1) (C) an d (F) (2) (A) an d (E) 28. Medical t each er s said th at t h e
pu blic au th oriti es to im pl em en t (3) (C) an d (E) (4) (D) an d (F) m an agem en t h ad con tin u ed to
t h e RTI st i p u l at i on t h at t h ey rem ain ___to th ei r cau se leadi n g
(5) (A) an d (C)
sh ou ld al l p u t _______ in form a- to th e st ret ch i n g of t h ei r st rik e.
24. Th e ability of a wom an to do well
ti on proacti vel y so t h at cit izen s (A ) u n m ov ed (B ) let h argi c
does n ot _____ on wh et h er it is
don ’t h ave to file application s for
a m an ’s wor ld or n ot, becau se (C) un con cern ed
every sm all th in g.
ever yon e h as h i s/ h er own op- (D ) apat h et i c (E ) i n di fferen t
(1) as (2) ou t
portu n ities. (F ) bor ed
(3) on (4) in to
(A) t r u st (B) d epen d (1) (B) an d (C) (2) (C) an d (F)
(5 ) forwar ds
(C) r ec k on (D) l i v e (3) (A) an d (E) (4) (A) an d (D)
Di r ect i on s (2 0 –2 4 ) : Th e follow-
(E) r est (F ) bel i ev e (5) (D) an d (E)
in g qu estion s con sist of a sin gle sen -
(1) (D) an d (E) (2) (B) an d (C) 29 . Th e paren ts h ad approach ed th e
tence with on e blank on ly. You are giv-
en si x words as an swer ch oices an d (3) (A) an d (F) (4) (B) an d (E) h i gh cou r t t o _____ th e gover n -
fr om th e six ch oices you h ave to pi ck (5) (C) an d (D) m en t ord er aft er t h ei r ch il dren ,
u p t w o cor r ect an sw er s, ei t h er of Di r ect i on s (2 5 -3 0 ) : Th e follow- wh o p assed UKG, were d en i ed
wh ich wil l m ak e th e sen ten ce m ean - in g qu estion s con sist of a sin gle sen - ad m ission b y a sch ool.
in gfu lly com p lete. tence with on e blank on ly. You are giv- (A ) v oi d (B ) quash
(I BPS Ban k PO/ M T CWE 18 .09. 201 1) en si x word s d en ot ed by A, B, C, D, (C) an nul (D )st ay
20. Dr u gs worth 3 lak h s wer e ___ E an d F as an swer ch oi ces an d fr om (E) l i ft (F ) post
fr om th e ap artm en t by th e p o- th e six ch oi ces you h ave to pick t wo (1) (A) an d (D) (2) (B) an d (C)
lice. correct an swers, ei th er of wh ich wi ll
(3) (C) an d (E) (4) (E) an d (F)
m ak e th e sen ten ce m ean in gfu lly com -
(A) m an u fact u r ed (5) (C) an d (D)
plete.
(B) r u pt u r ed (C) sei z ed Di r ect i on s (3 0 –3 4 ) : Each qu es-
(I BPS Ban k PO/ M T CWE
(D) con f i scat ed (E) bou gh t Ex am . 1 7. 0 6. 20 12 ) ti on below h as a bl an k , each blan k
(F) com par ed in dicati n g th at som eth i n g h as been
25. _____ before th e cl ock str u ck 8
(1) (A) an d (D) (2) (B) an d (C) om it t ed. Ch oose t h e wor d for each
on Satu rd ay n igh t , In d ia Gate
bl an k wh ich best fits th e m ean i n g of
(3) (C) an d (E) (4) (E) an d (F) was swam ped with p eople wear -
th e sen ten ce as a wh ol e.
(5) (C) an d (D) in g bl ack tee-sh irt s an d h oldi n g
(BOB M an i pal Sch ool of Ban k i n g
21. A m an repor tedl y____t wo pass- can d les.
Of f i c er On l i n e Ex am , 1 4. 08. 201 4)
ports with th e sam e ph otograph , (A ) Mi n u t es (B ) Ti m e
30. Th e alien ated old people are li v-
bu t u n der d ifferen t n am es was (C) Lat er (D )Qu i ck l y in g in ____ con di tion s in u rb an
ar rested by th e com m i ssion er ’s (E ) Si nce (F ) Secon ds India.
Task Force. (1) (B) an d (E) (2) (A) an d (C) (1) m isery (2) m iserable
(A) p ossessi n g (B) ex am i n i n g (3) (A) an d (F) (4) (B) an d (D) (3) hoped (4) h opefu lly
(C) su r ren der i n g (5) (C) an d (E) (5) m iserably
(D) m ast er i n g (E) h o l di n g 26. Th e St ates sh ou l d t ak e steps to 31. lt i s a qu estion th at can be _____
(F) fi x at i n g ____ t h e process of teach er s’ap- in m u ltip le ways.
(1) (B) an d (C) (2) (C) an d (F) poin tmen ts as the Cen tre has al- (1) an swer (2) an swerable
(3) (A) an d (E) (4) (A) an d (D) ready san ction ed six lak h posts.
(3) an swered (4) assessi n g
(5) (D) an d (E) (A ) fast en (B ) m ov e
(5) approach able
22. Th e Hollywood st ar an d th e B ol- (C) h ast en (D ) speed
32. Tech n ology will play a ____ role
lywood h eroin e are b ein g ____ (E ) earl y (F ) qu i ck en in th is plan .
as th e n ext big on screen cou p le. (1) (D) an d (F) (2) (A) an d (C) (1) cru cial (2) vitally
(A) l abel ed (B) ex pl ai n ed (3) (C) an d (F) (4) (D) an d (E) (3) critic (4) critically
(C) w or sh i p ed (D) t ou t ed (5) (B) an d (D) (5) cru cially
(E) ex cl ai m ed (F) sh ou t ed 27. A sen ior citizen ’s son ____ th reat- 33. Bu t in du st ry watch ers see plen -
(1) (B) an d (D) (2) (A) an d (C) en ed h er every day an d p h ysi- t y of b u si n ess op en i n g _____
(3) (B) an d (F) (4) (A) an d (D) cally h ar m ed h er, for cin g h er to pl ayers lik e bi g Corp oration .
(5) (C) an d (D) tr an sfer h er pr operty to h i m .
(1) in (2) by
23. An organisation _____ to th e m is- (A ) su per fi ci al l y
(3) for (4) of
si on of road safet y h as prepar ed (B ) m i st ak en l y (C) al l egedl y
(5) with
an action plan for redu cin g acci- (D ) m i ser abl y (E ) dou bt fu l l y
34. It is al so prepari n g to ____ i ts
den ts an d relat ed in j u ries an d (F ) pu r por t edl y pr odu ct p ort foli o th rou gh en t ry
fatalities. (1) (C) an d (F) (2) (A) an d (E) in to n ew segm en t s.
(A) spec i fi ed (B) i n au gu r at ed (3) (C) an d (E) (4) (D) an d (F) (1) wide (2) width
(C) com m i t t ed (D) k i ck ed o ff
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-42-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310

(3) broadenin g (4) wi den ed
(5) wi den ed
SBI PO EXAMS
Di r ec t i o n s (1 -1 0 ) : Pi ck ou t t h e
m ost effect i ve wor d fr om t h e gi ven
wor ds to fil l in th e b lan k s to m ak e th e
sen ten ce m ean in gfu lly com plete.
(SBI Assoc i at e Ban k s PO
Ex am . 1 6. 0 7. 20 00 )
1. He h as a _____ k n owledge abou t
an cien t In dian scrip tu res.
(1) delect able (2) profou n d
(3) en rich in g (4) vocifer ou s
(5) lamen table
2. You r allegat ion sh ou ld be based
on facts an d n ot on _____.
(1) su rm ise (2) proofs
(3) projection s (4) an tipathy
(5 ) recor ds
3. He spen t wh ole of h is life in _____
th e m i ser ies of th e down tr odd en
peop le.
(1) destroyin g (2) absorbin g
(3) advocatin g (4) avoidin g
(5) m itigatin g
4. Th e _____ clim ate of ou r town will
h elp recover h i s h ealt h .
(1) en ch antin g (2) prestigiou s
(3) salu briou s (4) enrichin g
(5) proverbial
5 . He h as th e _____ di sti n cti on of
losin g th e election for t h e six th
con secu ti ve ter m .
(1) reliable (2) m an ifest
(3) lamen table (4) du biou s
(5 ) r efresh i n g
6. Hi s ar gu m en t s in th e cou rt were
so ______ th at h e sh at tered t h e
eviden ce bu ilt by th e op positi on
lawyer.
(1) diagn ostic (2) volu m inou s
(3) pen etrat ive (4) worldly
(5) du rable
7. Facial expression s an d body lan -
gu age, m an y tim es, do n ot di s-
pl ay th e _____ feelin gs of a m an .
(1 ) covert (2) open
(3) ou trageou s (4) strin gen t
(5) popu lar
8. Dorab is a man of admirable taste
an d a great pol iti cal _____
(1) appreciation (2) syn th esis
(3) viability (4) distin ction
(5) acu m en
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (SINGLE SPACE)
9. Cou n t less book s _____ th e ben -
efits of cl ear an d accu r ate com -
mu nication.
(1) extol (2) su bscri be
(3) contribu te (4) exten d
(5) dep loy
10. Nothin g ever becom es real till it is
experienced. Even a proverb is no
proveb to you till you r life h as ___
it.
(1 ) p roj ect ed (2) explain ed
(3 ) d evelop ed (4) illu strated
(5 ) pr oposed
Di r ect i on s (11 -15 ) : Each qu es-
ti on is a set of 3 or 4 sen ten ces wh i ch
con vey an id ea. Of th ese, on e or t wo
i s/ ar e su p p r essed . To fi l l u p t h e
sp aces of th e su ppr essed sen ten ce (s)
two p ossible fi llers den oted by (A) an d
(B) are given . Fin d ou t wh i ch on e, two
or n on e can fil l u p t h e space of t h e
su ppr essed sen ten ce (s) to m ak e t h e
paragraph m ean in gfu l an d m ark you r
an swer accordi n gl y.
Cau t i o n : Wh ile m ar k in g you r
an swer pl ease also con sid er th e se-
qu en c e of th e sen ten ces if both th e
sen ten ces are requ ired to fill u p th e
sp aces.
(SBI Associ at e Ban k s PO
Ex am . 2 1. 0 7. 20 02 )
11. As far as ai r cr aft m ai n t en an ce
pr ocedu res are con cer n ed, th ey
ar e r igor ou s. (_____). Su ch cases
m ay endu p in disastrou s resu lts,
th ou gh exception ally.
(A) All probl em s ar e im m ediat ely
corrected on alm ost every occa-
sion .
(B ) On ly du e to u rgen cy or wan t
of ai rcraft for su b sti tu t ion , cer -
tain on es are overlook ed.
(1 ) A an d B (2 ) B an d A
(3) A on ly (4 ) B on ly
(5 ) Non e of th ese
12. The in terrogation lasted for abou t
n i n e fu l l work in g days. (_____).
Th e j u dge ob ser ved th at h e was
im pressed with th e ou tcom e as
th e i n vol vem en t of th e accu sed
in th e cr im e was cr yst al clear.
(A) H ard l y an yt h in g wor t h t h e
n am e cam e ou t of su ch a m ar a-
th on in terrogation .
(B ) Th e p r o sec u t i on l aw y er ,
th ou gh i n vain , h ad r elen tl essly
ap pli ed all h is wi t t o ex pose t h e
accu sed .
(1 ) A an d B (2 ) B an d A
(3) A on ly (4 ) B on ly
(5 ) Non e of th ese
13. Au to riding is a very fascinating
hobby. (_______). It is obviou s th at
th ey consider the hobby more im-
portan t th an anything else.
(A) Low or even m i ddl e i n com e
gr ou p peopl e can ’t affor d i t.
(B ) I k n ow m an y peopl e wh o h as
m issed m an y im p ortan t cases or
opportu n ities for participatin g in
au toriding.
(1 ) A an d B (2 ) B an d A
(3) A on ly (4 ) B on ly
(5 ) Non e of th ese
14. Th ere is n o dou bt th at we m u st
be fair an d h on est in all ou r deal-
in gs (_______). Wh at you r eal ly
ar e is less im portan t th an wh at
y ou ar e p er cei ved b y p eo p l e
arou n d you .
(A) It m ean s t h at per cep tion as-
su m es gr eat er i m portan ce th an
real ity.
(B ) B u t even m ore im p ortan t is
h ow you are perceived by oth ers.
(1 ) A an d B (2 ) B an d A
(3) A on ly (4 ) B on ly
(5 ) Non e of th ese
15. The adm iration for those wh o fight
again st corru ption in h igh places
h as always b een very spon tan e-
ou s am on gst the com m on people
i n I n d i a (_______). T h ey
u n hesitan tly appreciate su ch acts
bu t are afraid of open ly doi n g so
for fear of th e h i gh er u p s.
(A) Th ey h old su ch people in high
esteem wh o m ak e sacri fices on
pr in cipl es an d m oral issu es.
(B ) Th ey m ak e verb ose speech es
of admiration and appreciation of
su ch act s.
(1 ) A an d B (2 ) B an d A
(3) A on ly (4 ) B on ly
(5 ) Non e of th ese
Di r ect i on s (1 6–2 5 ) : Pick ou t th e
m ost effect i ve wor d fr om t h e gi ven
words to fil l i n t h e blan k in each sen -
ten ce to m ak e th e sen ten ce m ean in g-
fu ll y com pl ete.
(SBI PO Pr el i m i n ar y (Ti r e-I )
Ex am . 2 7. 07. 200 8)
16. Pr ou d peop le oft en l ook down
____ oth er s.
(1) on (2) for
(3) at (4) upon
-43-
 FILL UP THE BLANKS (SINGLE SPACE)
(5) toward s th e p h rases (1), (2), (3 ) an d (4) given (4) Si n ce a large p er cen tage of
17. We sh ou ld in vol ve all ou r col- b el ow eac h s t at em en t sh ou l d b e In d ian ch il dr en ar e gett in g
leagu es i n ______ i m portan t d e- placed in th e bl an k space provided so fr ee edu cati on
cisi on s. as to m ak e a m ean i n gfu l an d gram - (5) Non e of th ese
(1) in stigating (2) decidin g m aticall y correct sen ten ce ? If n on e 29. .........., t h e soi l t od ay i s n o-
of th e sen ten ces is ap propri ate, m ark wh ere as ri ch in n ati ve m in erals
(3) pion eerin g (4) making
(5 ) as th e an swer. as it u sed t o be som e cen t u ri es
(5) iden tifyin g
(SBI Assoc i at es Ban k Po ago.
18. For su ch a _____ t ask , t h er e Ex am . 0 7. 03. 201 0)
sh ou l d b e som e sp eci al t ask (1) As th ere is a growin g con sen t
26. Alth ou gh information techn ology am on g farm ers regardin g lim-
force.
h as en ter ed th e h om es, offices it in g th e u se of ch em ical fer -
(1) trivial (2) gigan tic an d h eart s of m an y ci tizen s of tilizers
(3) defi n ite (4) sim ple In di a, ............. . (2) As th e ch em ical in pu ts in ag-
(5) com plexity (1) In d i a p r ovi d es t h e h i gh est ri cu l tu r e i m pr oved t h e yield
19. H i s _____ at t i tu d e i s t h e r oot n u m ber of IT ex per ts t o t h e m an y fol ds
cau se of m ost of h is prob lem s. world every year (3) Owin g to th e u n in h ibited u se
(1) inflexible (2) m an y people in ru r al areas of ch em ical in pu ts in agricu l-
(2) positive still remain ignoran t of its im - tu re
(3) incapable m en se ben efi ts (4) Awareness am on g farm ers re-
(4) inn ovative (3) govern m en t h as don e its best gar d i n g t h e si d e effect s of
(5) playfu l by fu n din g r esearch in th is ch em ical far m in g gr ew
field approp riat ely (5) Non e of th ese
20. If you _____ you r sel f wi th th e
cu ltu re of t h at ar ea, you wi ll be (4) th e face of com m u n ication in 30. As al legation of cror es of r u pees
ab le to en j oy life t h er e. t h e y ear s t o co m e w ou l d ch an gin g h an ds to perm it illegal
ch an ge com p letely from t h e m i n in g began to fl y t h ick ar id
(1) k now (2) see
bygon e years fast , ........ .
(3) fam iliarise (4) imbibe
(5) Non e of th ese (1) gover n m en t or dered an en -
(5) incu lcate
27. Wh ile th e en vir on m en t fri en d ly qu iry wh ich exposed a n exu s
21. I do n ot ap prove _____ t h e views -Nu clear en ergy cou ld m ak e a between m in e op erator s an d
ex pressed by you . large ad dit ion to th e en ergy r e- bu reau crats
(1) wrote (2) of sou r ces, ............ . (2) it cau sed great dam age to th e
(3) at (4) for (1) ex per ts h ave a lot of expec- su rrou n d in g ecosystem an d
(5) real ised t at i on s fr om t h i s cl ea n er th e en vir on m en t i n gen er al
22. Wh en h e _____ th at h is life was m eth od of p rodu cin g en er gy (3) th e officials h ave been irre-
in dan ger h e called ou t for h el p. (2) t h e gov er n m en t i s d et er - sponsible in failin g to bring it
(1) feel s (2) deci ded m i n ed to ext ract m axim u m to th e n otice of th e cou rt in
(3) for ecasted (4) n arr ated ou t of t h is tech n ology i n t h e time
(5) real ised n ear fu tu re (4) t h e p ower fu l m i n i n g l ob b y
23. Ou r cou n try is com m itted to ____ (3) in t ern ati on al lobby h as b een h ad bribed th e officials to ob-
peace al l over th e worl d. pr essu risin g th e d evel opi n g tain permit for m ining on eco-
n ation s to sh ift t h ei r en er gy logically sen sitive lan d
(1) startin g
p r od u ct i on fr om coal t o (5) Non e of th ese
(2) establish men t n u clear p ower.
(3) maintaining Di r ec t i on s (3 1 – 3 5 ) : Wh ich of
(4) th e p robl em of locatin g ad- th e p h rases (1), (2), (3 ) an d (4) given
(4) en com passin g equ at e n u m b ers of Ur an i u m b el ow eac h s t at em en t sh ou l d b e
(5) settle reser ves to ru n t h e reactors placed in th e bl an k space provided so
24. Al th ou gh h e is a b alan ced per - is yet t o be sorted ou t as to m ak e a m ean i n gfu l an d gram -
son , h e occasi on all y l oses h i s (5) Non e of th ese m aticall y correct sen ten ce ? If n on e
_______. 28. ............ , exp ert s p rop osed t h e of th e sen ten ces is ap propri ate, m ark
(1) power (2 ) gri ef idea of a com m on school system . (5 ) i .e. ‘Non e of th ese’ as th e an swer.
(3) tem per (4) an xiety (1) Overlook ing th e fu n dam en tal (SBI & Rur al Busi n ess PO
(5) wealth ri gh t of qu alit y edu cati on of Ex am . 1 8. 04. 201 0)
25. Th e tu n n el was so ____ an d con - every ch ild in In d ia 31. Refu tin g th e ration ale behind fre-
gest ed t h at we becam e fr i gh t - (2) Si n ce th e cu rri cu l ar requ ir e- qu en t agitation s for form ation of
en ed . m en ts of a r u ral ch il d is di f- sep ar at e St at es, a r ecen t r e-
(1) long (2) broad feren t from an u rb an ch i ld p or t ________.
(3) dark (4) qu iet (3) Based on th e fact th at di ffer - (1 ) pr oved t h at su ch agitation s
(5) gri ef en ce in th e qu ality of sch ools resu l t i n l oss of gover n m en -
acts as a grou nd for discrim i- tal pr oper ty
Di r ec t i o n s (2 6 –3 0 ) : Wh ich of
nation (2 ) i n di cat ed th at th e form ati on
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-44-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310

of sm all st ates does n ot n ec-
essarily im prove th e econ om y
(3) su ggested that only large scale
agitation s h ave been effective
i n b r i n gi n g o u t d es i r ed
ch an ge in th e past
(4) recom m en ded dividi n g lar ge
St at es in to sm al ler on es to
im prove govern an ce
(5 ) Non e of th ese
32. Overlook i n g th e fact t h at wat er
scarci ty i n ten sifi es d u rin g su m -
m er _____.
(1) the govern m en t issu ed gu ide-
li n es to all bu ild ers to lim it
th eir con su m pt ion to accept-
able lim its
(2) pr ovi sion for rai n water h ar -
vestin g h as been m ade to aid
ir ri gation in dr ou gh t p ron e
areas
(3) th e water table di d n ot i m -
p r ove even aft er r ecei vi n g
n or m al m on soon in th e cu r -
ren t year
(4) Man y resi den tial areas con -
tinu e to u se swim m in g pools,
wast i n g l ar ge qu an ti t i es of
wat er
(5) Non e of th ese
33. H e h as l ost m ost of t h e l i fe’s
ear n i n g i n t h e st ock m ar k et
b u t ____.
(1 ) h e stil l seem s to be leadi n g
h i s l ife lu xu r iou sly an d ex-
travagan tly
(2) h e cou ld n ot save en ou gh to
repay h is en orm ou s deb ts
(3) stock m ark et i s n ot a safe
option to in vest m on ey u nless
don e with cau t ion
(4) ex perts h ave b een su ggest-
in g t o avoid in vestm en ts in
st ock m ar k et becau se of i ts
u n predictable n atu re
(5) Non e of th ese
34. Ach ievin g equ ali ty for wom en is
n ot on ly a lau dabl e goal ,______.
(1) polit ical refor m s are also n e-
gl ect ed p r even t i n g w om en
from en terin g legislatu res and
positi on s of power
(2) t h e p r ob l em i s al s o d eep
rooted in th e society an d su p-
ported by it
(3) th ei r em p ower m en t i s pu r -
posefu lly h am pered by people
wit h vest ed in ter est s in al l
secti on s of th e society
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (SINGLE SPACE)
(4 ) i t i s also equ all y d ifficu lt to
ach ieve and maintain for lon g
term
(5 ) Non e of th ese
35. _____ or else th ey wou ld n ot k eep
el ect in g h i m year aft er year.
(1) The party leader gave a stron g
m essage to th e m ayor for im -
pr ovin g h i s polit ical style
(2) Owing to nu m erou s scandals
again st t h e m ayor, h e was
told to resign fr om th e post
im mediately
(3) Th e m ayor t h r eat en ed t h e
residents against filing a com-
plaint again st h im
(4) Th e r esi den ts m u st r eal ly be
im pressed with th e p oli tical
st yle of th eir m ayor
(5) Non e of th ese
RBI GRADE–B
OFFICER EXAMS
Di r ec t i o n s (1 –7 ) : Wh ich of t h e
ph rases (1), (2 ), (3) an d (4) given b e-
low each st atem en t sh ou l d b e p laced
in th e b lan k sp ace pr ovi ded so as to
m ak e a m ean in gfu l an d gramm atically
correct sen ten ce ? If n on e of th e sen -
ten ces i s appr opr iate, m ark (5 ) as t h e
an swer.
(RBI Gr ade-B Of f i c er
Ex am . 1 1. 1 0. 20 09 )
1. Wh en we r each ed th e cr ash sit e,
we were del igh ted _________.
(1 ) on seei n g n o su r vivor
(2 ) we saw ever yon e l ivi n g
(3 ) t o seein g n o on e breath i n g
(4 ) t o see everyon e ali ve
(5 ) Non e of th ese
2. Even th ou gh th e school premises
h ad a lot of sp ace, ________.
(1 ) t h ere were plen ty of play ar -
eas for th e ch i ldr en
(2 ) th ere was n o pl aygrou n d for
th e ch ildr en
(3 ) yet i t rem ain ed u n deru t ilised
(4) th ere was no sh ortage of class-
rooms
(5 ) Non e of th ese
3. _______ b u t t oday, h i s p er for -
m an ce was fair ly i n ter esti n g an d
ri vet ed everyon e t o t h ei r seat s.
(1) He is a b ril lian t perform er
(2) He tr ied h is best to en tertain
everyon e
(3) Hi s p er for m an ces are gen er -
ally borin g
(4) Al th ou gh h e per for m ed aft er
a ver y l on g ti m e
(5 ) Non e of th ese
4. In or der to h el p t h e organ isati on
com e ou t of th e h u ge losses, t h e
em pl oyees______.
(1) d em an d ed a com p en sator y
pack age
(2) st art ed an agi tat ion again st
th e m anagem en t
(3) d ec i d ed t o j o i n t h e r i va l
organ isation
(4) decid ed t o file a case again st
th e organ isation
(5) Non e of th ese
5. _______ b efore bei n g p ack aged
to di stri bu t ion in th e m ark et.
(1 ) Th e m ilk is pasteu rized
(2 ) After th e m ilk is pasteu rized
(3 ) Un til th e m ilk is pasteu rized
(4 ) First ly th e pasteu risati on of
milk
(5 ) Non e of th ese
6. _____to con t rol in du strial p oll u -
t i on , t h e p ol l u t i on from sm al l
scale in d u st ries h as elu ded so-
lu tions.
(1) In stead of doi n g good j ob
(2) Wh ile a com men dable job h as
been don e
(3) Despi te b ein g su cceedi n g
(4) Even after faili n g
(5) Non e of th ese
7. Owin g to th e scare of th e h igh ly
con tagiou s disease widespread in
th e town ______.
(1) m an y peop le th r on ged t o t h e
m u ltiplexes and malls du rin g
th e l on g week en d
(2) peopl e h ave been advised to
gath er at t h e town squ are
(3) gov er n m en t h as fai l ed t o
m ak e an y ar r an gem en t for
vaccin ation
(4) m ost of t h e peopl e decid ed
to st ay in d oor s d u ri n g week -
en d
(5) Non e of th ese
Di r ec t i o n s (8 -1 2 ) : In th e fol-
lowin g qu est ion s, a p assage is given
wi th a b lan k sp ace in th e begin n in g.
Th ree st atem en t s are given foll owi n g
th e p assage. You are requ ired t o se-
lect wh ich of t h e stat em en t(s) m ay be
th e st arter?
(RBI Gr ade-B Of f i cer Gr ad e ‘B’
Ph ase-I Ex am . 0 3. 08 .2 01 4)
8. ______ It is so pleasan t a pr o-
-45-

fessi on t h at it is n ot su rpr isi n g
i f a vast n u m b er of p er son s
ad opt it wh o h ave n o qu ali fica-
ti on s for i t. Th e wri ter is fr ee to
work in wh at h e b eli eves.
I . I am a writ er
II . I am a writ er as I m i gh t h ave
been a d oct or or a lawyer.
III. I was a writer as I m igh t h ave
been a doctor.
(1) On ly A (2) On l y B
(3) On l y C (4) Both A & B
(5) Both B & C
9. ______ It gr ew fast er i n y ear
2 0 1 0 . T h e c o n d i t i o n s w er e
favou r abl e wh ich h elped in eco-
n om ic boom . Th e agricu lt u re ,
t ou r i sm , ex p o r t an d m i n i n g
h elped in the growth of th e econ -
om y.
I . In dian econ om y is n ot grow-
in g wel l.
II . The Indian economy grew fast
at 10 per cen t in 200 8.
III. D u e t o econ om i c r efor m s,
econ omic growth of In dia was
8 per cen t in 200 9.
(1) On ly A (2) On l y B
(3) On l y C (4) Both A & B
(5) Both B & C
10. ______ So, An ti Cor ru ption cam -
paign occu pied centre stage du r -
in g el ect ion season . Corru pti on
prevailing in the high an d m ighty
adversely im p act s ou r n at i on ,
an d it s glob al i m age.
I . Cor ru pti on is a bi g evi l in In -
dia.
II . Corru ption is not a big evil in
In dia as propagated.
III. An t i corru p tion is a bi g ch al-
len ge in In di a.
(1) On ly A (2) On l y B
(3) On l y C (4) Both A & B
(5) Both B & C
11. Road s ar e u n safe b ecau se of
sh or tcom in gs in road an d traffic
en gin eer ,ol d an d n on stan dard
codes of tr affic con t rol devices
,poor driver train in g an d assess-
m ent , ou t dated legislation s an d
a poor en forcem en t system .
I . Road safety is n ot a stan d-
alon e ph en om en on .
II . In dian roads ar e u n safe n ot
du e t o a sin gle factor.
III. Road safety is a stan d-alon e
phen om en on .
(1) On ly A (2) On l y B
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (SINGLE SPACE)
(3) On l y C (4) Both A & B (3) ‘Did you su n bath ’?
(5) Both B & C (4) ‘Do you su n bath e’?
12. _____ Su ch an in itiative was lon g 8. I am su r e you ar e n ot aver se
overd u e. In dia h as been ch ar - ....... d rin k in g coffee.
acterized as on e of th e m ost over (1 ) fr om (2) on
regu lated cou n tries in th e world (3 ) for (4) to
.No cen t ral database of all laws
9. He sai d t h at ........
an d r egu l at i on s ex i st s i n t h e
(1 ) h e h as m issed h is train
cou n try.
(2 ) I h ave m issed m y train
I . Th e govern m en t was con si d-
er in g to pr epar e d atabase. (3 ) h e will m iss h is train
II . Th e gover n m en t is con sider - (4 ) h e h ad m issed h is train
in g t o p rep are a dat abase of 10. “Th e h ou se is on fire! Sen d .......
all laws an d regu lation s. t h e Fi r e B ri gad e”, p h on ed th e
III. Th e govern m en t h as con si d- own er.
er ed to p rep are a database. (1 ) for (2) on
(1) On ly A (2) On l y B (3) in (4) ou t
(3) On l y C (4) Both A & B Di r ect i on s (1 1 –1 2 ) : In each of
(5) Both B & C th e followin g sen ten ces t h er e ar e t wo
b lan k spaces. Bel ow each sen ten ce
th ere are fi ve pair s of word s den ot ed
INSURANCE EXAMS by n u m bers (1), (2), (3), (4) an d (5 ).
Fi n d ou t wh ich pai r of word s can be
Di r ect i on s (1 -1 0 ) : Of t h e fou r al-
fil led u p in th e blan k s in th e sen ten ce
tern atives given u n der each qu esti on
in th e sam e sequ en ce to mak e th e sen -
fi n d t h e on e t h at best fit s in th e blan k
tence gram matically correct and m ean-
sp ace an d m ark you r an swer on t h e
in gfu lly com p lete.
An swer -sh eet as in stru cted.
(LI C Assi st an t Adm i n i st r at i v e
(Un i t ed I n d i a I n sur an c e Co.
AAO Ex am . 2 1. 04. 200 2 ) Of f i c er Ex am . 200 8 )
1. He wasn ’t li st en in g ...... I was 11. M ost p eop l e ar e t oo______i n
sayi n g. t h ei r own l i ves t o______m u ch
ab ou t th e agon ies of ot h er s.
(1) th at (2 ) to wh at
(1 ) ab sorb ed ........care
(3) wh i ch (4) th at wh ich
(2 ) con cern ed........th i n k
2. Help u s ...... th e flag.
(3 ) i n du lged........erad icate
(1 ) r ai se (2 ) ri se
(4 ) i n vol ved ........con sole
(3 ) rose (4 ) r aised
(5 ) en tan gli n g........wor ry
3. Neither of u s ..... fit for th e job.
12. Doctors an d lawyer s______th at
(1 ) can (2) cou ld
ad ver tisi n g wil l cert ain l y ______
(3) is (4 ) are th eir profession adver sel y.
4. No soon er d id h e go i n ...... h e
(1 ) t ru st........d am age
cam e ou t
(2) b el ieve........affect
(1 ) an d (2 ) th en
(3 ) con t em p lat e........boost
(3 ) wh en (4) th an
(4) ar gu e........effect
5. Th is is a tr adi tion al cu stom .....
(5 ) p lead........escalate
Gon ds an d ot h er tr ibes.
13. B ecau se t h e______l ead i n g t o
(1 ) between (2 ) for
c a n c el l a t i o n o f f l i g h t w er e
(3 ) wi th (4) am on g
m u rk y, t h e Min i ster appoin t ed
6. Yesterday sh e ..... a su r pri se on a Com m ission t o______an d r e-
u s. port th e m atter.
(1) will sp rin g (2 ) spri n g (1) staff m em b ers ..... u n dert ak e
(3 ) spran g (4) spr u n g (2) d eci sion s........d ecid e
7. Tom, look in g u p absent m in ded- (3) fact s........u n d er p lay
ly as Mary com es i n ......
(4) even t s........cam ou fl age
Mary, cr ossly : Don ’t be ri dicu - (5) ci rcu m st an ces.....i n vest igate
lou s. It h as r ain ed all day.
14. Several plots _____ ______in vari-
(1) ‘Have you su n bat h ed’? ou s t elevisi on episodes.
(2) ‘Have you been su n bath in g’?
(1) scr een ........con cu r ren tl y
-46-

(2) t el evised ........con sequ en tl y
(3) occu r........r ep eat edl y
(4) ex h i bit ........frequ en t ly
(5) dem on st rate........vi olen t ly
15. By______of t h ei r ath l etic activi-
ti es, a few sportsm en are ab le
to escape th e p ressu r es t h at li v-
in g i n _____ can cr eat e.
(1) k n owledge........afflu en ce
(2) way........p r osp er i t y
(3) ord er........vi ci n it y
(4) vi rt u e........p over t y
(5) con tr ast ........adver sit y
Di r ec t i o n s (1 6 –2 0 ) : Fi ll i n t h e
blan k s b y selectin g appr opriat e alt er -
n ative.
(LI C Assi st an t Adm i n i st r at i v e Of f i c er
(AAO) Ex am . 0 7.0 6. 200 9 )
16. I m et h im on ly a week .........
(1) back (2) past
(3) ago (5) previou s
17. Lovel y ask ed m e .........
(1) wh y ar e you an gr y?
(2) wh y I am an gr y?
(3) wh y I was an gr y.
(4) wh y was I an gr y?
18. Even after r epeated warn in gs, h e
........ to office on tim e.
(1) n ever com e
(2) n ever com es
(3) is n ever com i n g
(4) h ave n ever com e
19. He told h is wife t h at ......... fr om
Germ an y.
(1) h e wi ll lik e t o visi t Fran ce
(2) h e was l ik i n g t o visi t Fran ce
(3) h e wou ld li k e t o visi t Fran ce
(4) h e is li k in g t o visi t Fran ce
20. Som e p eop l e can .......... even
wi th m u rder.
(1) get on (2) get ou t
(3) get off (4) get away
Di r ect i on s (2 1 -2 5 ) : In th e fol-
l owin g qu est ion s, fi ll i n t h e b lan k s
wi th th e ap propri ate ph rase.
(Or i en t al I n su r an ce AO
Ex am . 0 9. 0 5. 20 10 )
21. Th e sh op b oy for got to ______
th e cou n t er aft er t h e gu ests left.
(1) wi pe off (2) wi pe away
(3) wi pe at (4) wi pe for
22. Th e m eet in g was______becau se
th e ch air m an was ab sen t.
(1) called at (2) called u pon
(3) called for (4) called off
23. He h as______a l ot of m on ey for
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (SINGLE SPACE)
h i s ol d age. (1 ) In spi te of (2 ) B ecau se of
(1) pu t off (2) pu t asi de (3 ) Bu t for (4 ) Even aft er
(3) pu t across (4) pu t th rou gh 32. Th e topic th at we were discu ss-
24. ______t h i s wor d in t h e d i cti o- in g n ow was first r aised b y ou r
n ary. boss, __________ ?
(1) Look u p (2) Look on (1) wasn ’t it (2) isn ’t it
(3) Look at (4) Look down (3 ) was it (4) h asn ’t it been
25. He was n ot cal led for th e i n ter - Di r ec t i o n s (3 3 -3 6 ) : Fi ll i n t h e
view as h is appl ication h ad been b l an k s w i t h t h e m ost ap p r op r i at e
______ wor ds.
(1) tu rn ed ou t (2) tu rn ed down (Or i en t al I n su r an ce Com pan y
Ex am . 0 8 . 0 4 . 2 0 1 2 )
(3) tu rn ed away (4) tu rn ed off
Di r ec t i o n s (2 6 –2 9 ) : Fi ll i n t h e 33. H e was gi ven a good ............
b l an k s w i t h t h e m ost ap p r op r i at e wh en h e left for Am erica.
wor ds. (1 ) tak e off (2 ) sen d off
(New I n d i a I n sur an c e AAO (3 ) b ru sh off (4 ) br eak off
Ex am . 2 2. 0 5. 20 11 ) 34. It wou ld be di fficu lt for on e so
26. Wh ile a great deal of ch an ge an d .............. t o b e l ed t o b el i eve
m oder n isati on h as tak en place th at all m en are equ al an d th at
in In dia sin ce 194 7, th e basic we m u st d isr egard race, colou r
valu es an d fam ily roles have been an d creed.
gen er ally _______ (1) emotional (2) dem ocratic
(1) overtu r n ed (2) stable (3) in toleran t (4) obsol ete
(3) m odified (4) appropriate 35. Th e faili n g ........ of t h e en em y
27. It wou ld be di fficu lt for on e so h elped t o sh ort en th e war.
____ to b e l ed to b eli eve th at all (1) m oral (2) m orale
m en are equ al an d th at we m u st (3) h old (4) disciplin e
d i s r ega r d r a c e, c o l o u r a n d 36. Th is islan d is a colon y of British ,
cr eed . bu t i n m ost m at ters it is ........
(1) emotional (2) dem ocratic an d recei ves n o ord ers from t h e
m oth er cou n try.
(3) in toleran t (4) obsol ete
(1) su b m issive (2) distan t
28. Th e l i n gu i st i c ____ of r efu gee
ch i l d r en i s r efl ect ed i n t h ei r (3) aloof (4) au tonomou s
readin ess to adopt th e lan gu age Di r ect i on s (3 7 – 4 0 ) : Fill in th e
of th eir n ew h om elan d. bl an k s wit h ap prop riat e al tern ative.
(1) con servatism (Or i en t al I n su r an ce Com pan y
(2) in adequ acy Ex am . 0 8 . 0 4 . 2 0 1 2 )
(3) adaptability 37. Vi jay ask ed m e ..........
(4) str u ctu re (1) wh y didn ’t you go to Lon don ?
29. Rent con trol restriction s on small (2) wh y I did n ’t go to Lon don ?
a p a r t m en t o w n er s m ay (3) wh y d idn ’t I go to Lon don ?
u n fort u n atel y _____ rath er th an (4) wh y you didn ’t go to Lon don ?
all eviate t h e h ou si n g p robl em . 38. To answer accu rately is m ore im -
(1 ) resol ve (2) dimin ish portan t t h an ........
(3) castigate (4) aggravate (1) a qu ick fi n ish
Di r ec t i o n s (3 0 –3 2 ) : Fi ll i n t h e (2) fin ish qu ick ly
bl an k s wit h ap prop riat e al tern ative. (3) fin ish in g qu ick ly
(New I n d i a I n sur an c e AAO (4) you fin ish qu ick ly
Ex am . 2 2. 0 5. 20 11 )
39. Even after r epeat ed war n i n gs,
30. T h es e w ea k n es s es c o u l d M r. Iswar i Prasad ........ t o of-
_______ if you tri ed h ar d t o i m - fi ce on tim e.
pr ove you r stan dar d. (1) com es n ever
(1 ) overcom e (2 ) overcam e (2) n ever com es
(3 ) be overcom e (3) is n ever com i n g
(4 ) h ave been overcom e (4) h ave n ever com e
31. _______ t h e tim ely h el p th e p a- 40. Th is is ......... of su ch atrociou s
ti en t wou ld h ave died. behaviou r.
-47-
 FILL UP THE BLANKS (SINGLE SPACE)
(1) m y fi rst tim e of h eari n g (1 ) for (2) to 52. Th e i ssu e h as also raised an i m -
(2) t h e fi r st t i m e t h at I h ave (3) on (4) u pon portan t qu estion : are we b ecom -
h eard (NI CL (GI C) AO (Fi n an c e) in g a m ore _____ soci ety, su sp i-
(3) th e first t im e of m y h eari n g Ex am . 08 . 09 .2 0 13 ) ci ou s an d wary of ou r in h eren t
(4) th e first t im e of th e h eari n g 47. In th e followin g qu est ion , sen - di ver sit y.
Di r ec t i on s (4 1 – 4 2 ) : Fi ll i n t h e ten ces ar e given wi th blan k s to (1) tolerable (2) intolerable
bl an k s wi th app rop riate word s. be fi lled i n with an app rop riate (3) bear able (4) intoleran t
(Un i t ed I n d i a I n sur an c e AAO
words. Fou r alternatives are su g- (5) com plexity
Ex am . 0 3 . 0 6 . 2 0 1 2 )
gested for each qu estion. Ch oose
53. Th e Am er i can gover n m en t h as
the correct altern atives ou t of th e
41. Wh ile a great deal of ch an ge an d _____ a d ead l i n e for In d i a an d
fou r.
m oder n isati on h as tak en place som e oth er cou n t ries b y a m on th
My wi n dows look ___th e garden .
in In dia, t h e basic valu es an d to sign an agreem en t.
fam ily roles h ave gen er all y been (1) u pon (2) ou t on
(1) exten din g (2) ex ten d ed
____ (3) in (4) at
(3) ver ified (4) sett in g
(1) m odified (2) stable (NI CL (GI C) AO (Fi n an c e)
Ex am . 08 . 09 .2 0 13 ) (5) draw
(3) complicated (4) appropriate 54. Th e st ate al so d em an ded an ear -
48. Fi ll in th e bl an k :
42. Th e l in gu istic ______ of refu gee ly release of com p en sati on _____
ch i l d r en i s r efl ect ed i n t h ei r As Sh yam _______ retirem en t, h e
becam e m ore in telligen t an d ac- loss of r even u e du e to cu t in tax-
readin ess to adopt th e lan gu age es.
tive.
of th eir n ew h om elan d. (1) for (2) to
(1 ) award ed (2 ) wi th dr ew
(1) in adequ acy (3) by (4) on
(3 ) derived (4 ) n ear ed
(2) ph ilosoph y (5) if
(NI CL (GI C) AO (Fi n an c e)
(3) adaptability Ex am . 15 . 12 .2 0 13 ) 55. Th e roads sector _____ facin g a
(4) con servatism 49. Ou t of t h ese fou r ch oi ces, se- slowdown , with in terest from p ri-
43. In th e followin g qu est ion , fi ll in lect t h e wor d wh ich you con si d- vate en t iti es on t h e declin e.
wi th an appr opri ate word ou t of er th e m ost appr opr iat e for t h e (1) h ave (2) h as been
th e fou r al ter n at ives. bl an k space. (3) had (4) will
If I h ad h elped h i m , h e _____ Al l attem pts to revive th e fi n ish - (5) h ave been
(1) wi ll n ot be dr own ed in g i n du str y were______ fai lu r e.
(2) wou ld n ot be dr own ed (1 ) Fored oom ed to SHORT ANSWERS
(3) wi ll n ot h ave dr own ed (2) h eadin g at
(4) wou ld n ot h ave dr own ed (3 ) pr edi cat ed for
(NI CL (GI C) Adm i n i st r at i v e Of f i c er (4) esti m ated to
NATIONALISED BANKS
Ex am . 0 8. 09 .2 01 3 Paper -I ) (NI CL (GI C) AO (Fi n an c e) & IBPS PO/MT/SO
44. In th e followin g qu est ion , fi ll in Ex am . 15 . 12 .2 0 13 )
wi th an appr opri ate word ou t of 50. Fi ll in th e bl an k : 1. (5) 2. (4) 3. (4) 4. (2)
th e fou r al ter n at ives. At th e world’s fin est edu cati on al 5. (2) 6. (1) 7. (3) 8. (2)
I assu m e________wi th m e in st u tu tes. on l y stu den ts wi th
th e ______ to su cceed are select- 9. (2) 10. (1) 11. (4) 12. (1)
(1) everyon e agr eei n g
(2) th at everyon e agrees ed . 13. (2) 14. (2) 15. (4) 16. (5)
(3) everyon e to agr ee (1) lu ck (2 ) d ri ve
17. (5) 1 8 . (3) 19. (2) 20. (5)
(4) th at everyon e to agr ee (3 ) r esou rces (4 ) exper ien ce
21. (3) 22. (4) 23. (1) 24. (4)
(NI CL (GI C) AO (Fi n an c e)
(NI CL (GI C) Adm i n i st r at i v e Of f i c er
Ex am . 15 . 12 .2 0 13 ) 25. (3) 26. (3) 27. (1) 28. (5)
Ex am . 0 8. 09 .2 01 3 Paper -I )
Di r ect i on s (5 1 –5 5 ) : Each qu es-
45. In th e followin g qu est ion , fi ll in 29 . (2) 30. (2) 31. (3) 32. (1)
tion below has a blan k , in dicatin g th at
wi th an appr opri ate word ou t of som et h in g h as b een om i tted. Ch oose 33. (3) 34. (4)
th e fou r al ter n ati ves. Wh en wi ll th e word for each b lan k wh ich best
you h an d _____ y ou r assi gn - fi ts th e m ean in g of th e sen t en ce as a SBI PO EXAMS
men t? wh ole.
(1) in (2) back 1.(2) 2.(3) 3.(5) 4.(3)
(NI ACL Ad m i n i st r at i v e Of f i c er
(3) down (4) into (AO) Ex am , 11. 01. 201 5 ) 5.(4) 6.(3) 7.(1) 8.(5)
(NI CL (GI C) Adm i n i st r at i v e Of f i c er 51. M ost of t h e p eop l e l eave _____ 9.(1) 10.(4) 11.(1) 12.(5)
Ex am . 0 8. 09 .2 01 3 Paper -I ) m ore t h an loose ch an ge in th eir
46. Fi ll in th e bl an k s: cars. 13.(4) 14.(4) 15.(3) 16.(4)
Th e dest i n y h as d est in ed h i m (1) any (2) no 17.(4) 18.(2) 19.(1) 20.(3)
______ a h igh er post th an h e n ow (3) nothing (4) everyth in g
h olds. 21.(2) 22.(5) 23.(3) 24.(3)
(5) all
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 FILL UP THE BLANKS (SINGLE SPACE)
25.(3) 26.(2) 27.(4) 28.(3) Had you stu died hard, you wou ld
2. (3) projection s
h ave got a first class.
29.(3) 30.(1) 31.(3) 32.(4) 3. (5) m itigatin g
12. (1) Wh om is a u sed as th e obj ect
4. (3) salu briou s
33.(1) 34.(5) 35.(4) of a ver b or p rep osi tion .
5. (4) du biou s
13. (2 ) Th e wor d A p at h y (No u n )
RBI GRADE–B m ean s : th e feelin g of n ot bei n g 6. (3) pen etrat ive
i n t er est ed i n or en t h u si ast i c 7. (1 ) covert
OFFICER EXAMS abou t. 8. (5) acu m en
1. (4) 2. (2) 3. (3) 4. (5) 14. (2 ) T h e w or d T e m p t (Ve r b ) 9. (1) extol
m ean s : to persu ade som ebody 10. (4) illu strated
5. (1) 6. (2) 7. (4) 8. (4) to do som eth i n g. 11. (1 ) A an d B
9. (5) 10. (1) 11. (4) 12. (2) 15. (4) Fo r gr an t ed m ean s : to b e- 12. (5 ) Non e of th ese
li eve som eth in g is tru e wi th ou t 13. (4 ) B on ly
INSURANCE EXAMS fi rst m ak in g su re th at i t i s.
14. (4 ) B on ly
16. (5 ) If (con d iti on is evid en t ).
1. (2) 2. (1) 3. (3) 4. (4) 15. (3) A on ly
17. (5 ) despi te
16. (4) upon
5. (4) 6. (3) 7. (2) 8. (4) 18. (3 ) across
17. (4) making
9. (4) 10. (1) 11. (2) 12. (2) 19. (2 ) Pu t som eth in g ou t = to place
18. (2) gigan tic
som et h in g wh ere it wi ll b e n o-
13. (5) 14. (3) 15. (4) 16. (3) ti ced an d u sed. 19. (1) inflexible
20. (5) Th e wor d Co n fi scat e (Ver b) 20. (3) fam iliarise
17. (3) 18. (3) 19. (3) 20. (4)
m ean s : to officially tak e som e- 21. (2) of
21. (2) 22. (4) 23. (2) 24. (1)
t h i n g aw ay fr o m s om eb od y ; 22. (5) real ised
25. (2) 26. (3) 27. (3) 28. (3) seize; grab. 23. (3) maintaining
29. (4) 30. (4) 31. (3) 32. (1) 21. (3 ) Th e w or d Po ssess (Ver b ) 24. (3) tem per
m ean s: to h ave or own som e- 25. (3) dark
33. (2) 34. (3) 35. (2) 36. (4) th i n g; h old. 26. (2) m an y people in ru ral areas still
37. (2) 38. (2) 39. (2) 40. (2) 22. (4) Th e word Label (Ver b) m ean s rem ai n ign or an t of it s im m en se
: to d escri be som eb od y/ som e- b en efit s
41. (2) 42. (4) 43. (4) 44. (2)
th in g in a part icu lar way. 27. (4) th e govern m en t is determ in ed
45. (1) 46. (1) 47. (2) 48. (4) T h e w o r d T o u t (Ve r b ) to ex tract m axi m u m ou t of th is
49. (1) 50. (2) 51. (3) 52. (4) m ean s : to try to persu ade peo- tech n ology in t h e n ear fu tu re
pl e t h at som eb ody / som eth i n g 28. (3 ) B ased on th e fact th at di ffer -
53. (2) 54. (1) 55. (2)
i s i m p o r t an t or val u ab l e b y ence in the qu ality of sch ools acts
praisin g th em / i t. as a grou n d for di scr im in ati on
EXPLANATIONS Loo k at t h e sen t en c e : 29. (3 ) Owin g t o t h e u n in h ib ited u se
He is bei n g tou ted as th e n ext of ch em ical in pu t s in agricu ltu re
leader of th e p art y.
NATIONALISED BANKS 30. (1 ) govern m en t ord er ed an en -
23. (1) Th e wor d Dedi c at ed (Adj ec- qu ir y wh ich exposed a n exu s be-
& IBPS PO/MT/SO t i v e) m ean s : work in g h ard at t ween m i n e op er at ors an d bu -
som eth in g becau se it i s very im - reau crats
1. (5) failin g por tan t to you ; com m itt ed.
2. (4) help 31. (3) su ggest ed t h at o n l y l a r ge
24. (4) Th e word s depen d an d r est scale agi tat ion s h ave been effec-
3. (4) illu strate
are syn on ym ou s. t i v e i n b r i n gi n g ou t d esi r ed
4. (2) lin k ed ch an ge in th e past
25. (3) (A) an d (F)
5. (2) m easu rin g 32. (4) m an y resi den tial areas con -
26. (3) (C) an d (F)
6. (1) variables t i n u e t o u se swi m m i n g p ool s,
27. (1) (C) an d (F)
7. (3) jeopardi ze (to r isk h arm i n g wasti n g l arge qu an tit ies of wat er
28. (5) (D) an d (E)
som et h in g ; en dan ger ). 33. (1) h e st ill seem s to be leadi n g
29 . (2) (B) an d (C)
8. (2) reck on in g (th e act of calcu - h i s l ife lu x u ri ou sly an d ext rava-
lating som ethin g). gantly
9. (2) brin gin g
SBI PO EXAMS 34. (5) Non e of th ese
10. (1) sh am e (con t rast i s evid en t ). 1. (2) Pr of ou n d (Ad jecti ve) m ean s 35. (4) Th e r esi den ts m u st r eal ly be
11. (4) Con d i t i on al s : U n fu l fi l l ed h avin g or sh owi n g great k n owl- im pressed with th e political style
condition ed ge or i n si gh t (i n to a su bj ect ). of th eir m ayor
Lo ok at t h e sen t en ces : Th is sh ows th at we can u se pr o-
If you h ad st u d i ed h ar d , you fo u n d in th e blan k .
wou l d h ave got a fi r st cl ass.
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RBI GRADE–B
OFFICER EXAMS
1. (4) to see everyon e ali ve
2. (2) th ere was n o pl aygrou n d for
th e ch ildren
3. (3) Hi s p er for m an ces are gen er -
ally borin g
4. (5) Non e of th ese
5. (1) Th e m ilk is pasteu rized
6. (2) Wh i l e a com m en d ab l e j ob
h as been don e
7. (4) m ost of th e people decided to
stay in door s du r in g week en d
INSURANCE EXAMS
1. (2) We say, listen to m e or li s-
ten t o i t. Th i s sh ows th at aft er
l i st en we sh ou ld u se t o . Agai n ,
for person , we u se th e Rel ati ve
Pr on ou n w h o , w h o m , w h o se
an d for th i n g we u se wh at . So
th e cor rect opti on i s t o w h at .
2. (1) F ol l o w t h e d i ff er en c e b e-
tween r i se an d r ai se.
(i ) Th e su n rises in th e east.
(i i) Th ey r ai sed th is i ssu e in th e
m eet in g.
I f so m et h i n g r i se s i t m ov es
u p word .
If you r ai se som ethin g you move
it so th at i t i s in a h igh er posi-
tion.
So, r ai se will be u sed in th e gap.
3. (3) Aft er n ei t h er of, ei t h er of,
n on e of, we u se a Plu ral Nou n /
Pron ou n an d a Si n gu l ar Verb .
Th erefor e i n t h e given sen t en ce,
we can u se i s. Use of c an or
cou l d will n ot com p lete th e sen -
ten ce m ean in gfu lly.
4. (4) With n o soon er we u se t h an .
For ex am ple,
(i ) No soon er did h e see th e t i-
ger t h an h e sh oot ed it down .
As th e given sentence is based on
“No soon er ...... than” stru ctu re,
so we sh ou l d u se t h an i n t h e
gap.
5. (4) We u se am o n g aft er c u s-
t o m . For exam ple,
Th is was a cu stom am on g Hi n -
du s. Bu t it sh ou ld be fol lowed
th at am on g is followed by a Plu -
ral Nou n / Pron ou n .
6. (3) Th e secon d for m of th e Verb
spr i n g is spr an g. We u se sim ple
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FILL UP THE BLANKS (SINGLE SPACE)
Pa st Ten s e i n a sen t en ce i n 26. (3) m odified
which yesterday, last m on th, last 27. (3) intoleran t
year, last Su n day etc. are u sed. 28. (3) adaptability
For ex am ple, 29. (4) aggravate
He h as com e yest erd ay 30. (4) h ave b een overcom e
— Incorrect 31. (3) Bu t for
He cam e yest erd ay 32. (1) wasn’t it
— Correct 33. (2 ) H ere, sen d -off = an occasi on
So, in th e given sen ten ce also, wh en p eop l e com e t oget h er t o
we sh ou l d u se sp r an g i n t h e say goodbye to som ebody who is
gap. leavin g sh ou ld be u sed.
7. (2) Have you been Su n bath in g ? 34. (3) intoleran t
8. (4) After av er se we u se t o . So, 35 . (2) morale
th e appropriate Preposition is t o
36. (4) au tonomou s
an d t h e an swer is (4 ).
37. (2) wh y I d idn ’t go to Lon don ?
9. (4) Wh en t wo action s took place
i n t h e Pa s t a n d o n e a c t i o n 38. (2) fin ish qu ick ly
preceds an oth er, th en th e action 39. (2) n ever com es
t h at p r eced s a n o t h er a ct i o n 40. (2) t h e fi r st t i m e t h at I h ave
m u st b e i n t h e Pas t Per f ec t h eard
Ten se.
41. (2) stable
So, the correct option is (4).
42. (4) con servatism
10. (1) If you sen d for som eon e, you
43. (4) I f I h ad h el p ed h i m , h e
sen d t h em a m essage ask i n g
wou ld n ’t h ave d rown ed. St r u c-
th em to com e an d see you .
t ur e :
If you sen d fo r som et h in g, you
S.C  If + Su bject + Past Per -
wr it e an d ask for i t t o be sen t
to you . fect ; P.C  Su b j ect + Wou l d
h ave + V 3
For ex am ple,
44. (2) Here, Presen t Sim ple sh ou ld
Sen d for you r free catal ogu e t o-
be u sed.
day.
45. (1) H an d so m et h i n g i n = t o
11. (2 ) con cern ed........th i n k
gi ve som et h i n g to a p er son in
12. (2) b el ieve........affect au th orit y, esp ecially a piece of
13. (5) ci rcu m st an ces.....i n vest igate work .
14. (3) occu r........r ep eat edl y 46. (1) Dest i n ed = h avin g a fu tu re
15. (4) vi rt u e........p over t y w h i ch h as b een d ec i d ed b y
16. (3) ago fate.
17. (3) wh y I was an gr y. He was desti n ed for a m il itary
car eer.
18. (3) is n ever com in g
19. (3) h e wou ld lik e to visit Fran ce 47. (2) ou t on
20. (4) get away 48. (4) Near (Ver b) = to com e close
21. (2) Ph r ase w i p e away m ean s : to som eth in g in ti m e or space;
to r em ove di rt , li qu id etc from approach .
som eth in g by u sin g a cloth etc. Look at t h e sen t en ce :
22. (4) Ph r ase c al l o f f m ean s : t o As Ch rist m as n eared, th e ch i l-
can cel som eth in g; to decide th at d r en b ecam e m or e an d m or e
som eth in g will n ot h appen . ex ci ted.
23. (2) Ph rase pu t asi d e m ean s : to 49. (1) For edoom ed (t o) = th at will
save som eth in g or k eep i t avai l- n ot be su ccessfu l.
ab le t o u se. Look at t h e sen t en ce :
24. (1) Ph r ase l oo k u p m ean s : t o Any attempt to constru ct an ide-
look for in form ati on in a di cti o- al societ y i s foredoom ed to fai l-
n ary. u r e.
25. (2) Ph rase t ur n down means : to 50. (2) Dr i v e (Nou n ) = a str on g de-
r ej ect or r efu se t o con sid er an si re t o do th in gs an d ach ieve.
offer, a proposal etc or th e per - ppp
son wh o m ak es i t.
-50-
 FILL UP THE BLANKS (SINGLE SPACE)

MODEL EXERCISES
Di r ect i on s (1-7) : Ch oose t he (2) great deal of 1 5 . I t i s good f or m t o u se t h e
correct opt ion t o fill in t he blank s. (3) large part of nam e of t he person..............
1 . I f I w er e you , I . .. . .. . .. . .. . b e (4) great m any (1) who are greet ing
carefu l wit h m y words. (5) None of t hese (2) you are greet ing
(1) wi l l (2) wou ld 9. He was fright ened ............. . (3) which you are greet ing
(3) sh al l (4) sh ou ld (1) t o be k illed (4) greet ing for you
(5) None of t hese (2) t o being k illed (5) None of t hese
2 . Of t he t wo assist ant s we em - (3) for being k illed 1 6 . . . . . . . . . . . . . . t h at i n cr easi n g
p l oy ed l ast m on t h , I f i n d (4) of being k illed nu m bers of com pact disc play-
Ram an ........ hard work ing. ers will be bou ght by consu m -
(5) None of t hese
(1) m ost (2) m ore ers in t he years t o com e.
10. Cap i t al i st soci et y . . . . . . . . . . . . .
(3) l east (4) onl y profit as a valu ed goal. (1) They are ant icipat ed
(5) None of t hese (1) which regards (2) In ant ici pat i on
3 . Sh e i s so f ast i d i ou s t h at (2) regarding (3) Ant i cipat in g
............. of t h e t h ree hou ses (4) It is ant icipat ed
(3) regards
was lik ed by her. (5) None of t hese
(4) was regarded
(1) n ei t her (2) eit her 1 7 . ............. bu siness, a m erger is
(5) None of t hese
(3) n on e (4) no one a com binat ion of t wo or m ore
11. ............. t h e rai nfall was ad-
(5) None of t hese cor porat ion s u nder one m an-
equ at e t h i s year, t h e m an go
4 . ............. a very long t im e t his agem en t .
t r ees st i l l di d n ot pr odu ce a
cit y has been prosperou s. high yield, (1) At (2) I n
(1) Sin ce (2) For (1) Sin ce (3) The (4) On
(3) Fr om (4) T i l l (2) Alt h ou gh (5) None of t hese
(5) None of t hese Di r ect i on s (1 8 -1 9 ) : Ch oose
(3) Du e t o
5 . Th e m ot h er of t h e d ead t h e cor r ect op t i on t o f i l l i n t h e
(4) In spit e of
ch i l d w as over w h el m ed blan k s.
(5) None of t hese
............. grief. 1 8 . The gr eat er ............. in crease
12. The im pact of t wo vehicles can in popu lat ion, t he harder it is
(1) by (2) wi t h
cau se a lot of ......... t o bot h. f or p eopl e t o f i n d ad equ at e
(3) from (4) for
(1) damage hou sin g.
(5) None of t hese
(2) dam ages (1) of (2) t h e
6 . W i l l i am Sh ak esp ear e w as
(3) dam aging (3) is t he (4) is of t he
........... great est playwright of
his t im e. (4) dam agings (5) None of t hese
(1) a (2) an (5) None of t hese 1 9 . Cap i t al i st soci et y . . . . . . . . . . . . .
13. It is eart h’s gravit y which ....... profit as a valu ed goal.
(3) t h e (4) t hee
people t heir weight . (1) which regards
(5) None of t hese
(1) gives (2) give (2) regarded
7 . Th er e i s n o u se d i scu ssi n g
............. pr ohi bi t ion. (3) giving (4) given (3) was regarded
(1) on (2) abou t (5) None of t hese (4) regards
14. Tot al weight of all t he ant s in (5) None of t hese
(3) of (4) for
t h e w or l d i s m u ch gr eat er
(5) None of t hese Di r ect i on s (2 0 -3 1 ) : Ch oose
t han ..... . t h e cor r ect op t i on t o f i l l i n t h e
Di r ect i on s (8-17) : Choose t he
(1) t o all hu m an beings blan k s.
correct opt ion t o fill in t he blank s.
(2) t hat of all hu m an beings 2 0 . Th e con d i t i on s n ecessar y
8 . A ............. fi r m s ar e h avi n g
(3) is of all hu m an beings ........... t h is pr oj ect have n ot
t r ou bl e wi t h i n du st r i al r el a-
t i on s. (4) t hat of t h e all h u m an be- been m et .
(1) considerable am ou nt of in gs (1) of com plet ion
(5) None of t hese (2) for t he com plet e of
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 FILL UP THE BLANKS (SINGLE SPACE)
(3) of com plet e (2) is becau se t hey (3) off (4) away
(4) for t he com plet ion of (3) is becau se t heir (5) None of t hese
(5) None of t hese (4) of t heir 3 5 . Oscillat ona are one of t he few
21. One difficu lt y............. at night (5) None of t hese pl an t s t h at can m ove abou t .
is lim it ed vision. 2 8 . .......... t he react ions of people ..........a wavy, gliding m ot ion..
(1) wit h driving wi t h am n esi a, sci en t i st s ar e (1) h avin g (2) h as
(2) be driven lear ning abou t t he process of (3) being (4) wi t h
(3) t o drive m em ory of t he brain. (5) None of t hese
(4) will drive (1) By st u dying 3 6 . ............. a bu sy cit y- Pom peii
(5) None of t hese (2) To st u dy was virt u ally dest royed by t he
22. Aft er t he el ect i on ............. a (3) They stu dy eru pt ion of Mou nt Vesu viu s in
(4) They are st u dying 79 AD.
new st age.
(1) t he ent eri ng nat ion (5) None of t hese (1) Once
(2) t he nat ion will ent er 2 9 . How is life enhanced? A beau - (2) It was once
(3) t o ent er t he nat ion t i f u l p assage f r om Tagor e (3) Once it was
(4) will t he nat ion ent er com es ............. m ind. (4) That once
(1) i n (2) t o (5) None of t hese
(5) None of t hese
23. He is............. t ennis. (3) from (4) ou t 3 7 . Research in t he work place re-
(5) None of t hese veal s t h at p eop l e w or k f or
(1) fond t o play
3 0 . Ballet dancers,............. act ors, m any reasons .............. .
(2) fond of playing
m u st spend m any hou rs a day (1) m oney beside
(3) fond in playing
p r act i si n g b ef or e a p er f or - (2) m oney besides
(4) fond at playing m an ce. (3) beside m oney
(5) None of t hese
(1) l ik e (2) t he lik e (4) besides m oney
24. I hope she ............. .
(3) t he sam e (4) sam e as (5) None of t hese
(1) m u st com e (5) None of t hese 3 8 . ............. u n k nown qu ant it i es
(2) shou ld com e 3 1 . The weat h er i n t h e far nort h is t he t ask of Algebra.
(3) will com e is not .......... it is down sou t h. (1) To fou nd (2) Fin d
(4) must be com ing (1) lik e hu m id as (3) The find (4) Fin din g
(5) None of t hese (2) as hu m id as (5) None of t hese
25. An i n cr ease i n p op u l at i on , (3) hu m id as 3 9 . Fast food rest au rant s have be-
w i t h ou t an i n cr ease i n eco- (4) so hu m id t hat com e popu l ar becau se m an y
nom ic level, ............. resu lt in
(5) None of t hese work ing people want ............. .
a lower st andard of living.
Di r ect i on s (3 2 -3 9 ) : Ch oose (1) t o eat qu ick ly and cheaply
(1) t ends t o (2) t ending t o
t h e cor r ect op t i on t o f i l l i n t h e (2) eat ing qu ick ly and cheaply
(3) will t end (4) t en ds blan k s. (3) eat qu ick ly and cheaply
(5) None of t hese 3 2 . Th e cou n t r y i s u sh er i n g (4) t he eat qu ick ly and cheaply
26. ...... as President , a candidat e ............. a new era.. (5) None of t hese
m u st win a m ajorit y of vot es.
(1) i n t o (2) i n Di r ect i on s (4 0 -4 3 ) : Ch oose
(1) El ect ed (3) of (4) over t h e cor r ect op t i on t o f i l l i n t h e
(2) To be elect ed (5) None of t hese blan k s.
(3) Having elect ed
3 3 . H e i s a t r ai t or ..... ........ t h e 4 0 . Vit am in E cream , a m oist u ris-
(4) Elect in g cou nt r y. ing em ollient , ............. m ain-
(5) None of t hese (1) for (2) t o t ai n i n g soft , h eal t h y l ook i n g
27. E n cou n t er s bet w een peop l e (3) i n (4) of sk in .
fr om di ff er en t cou n t r i es can (5) None of t hese (1) having been u sed for
r esu l t i n m i su n der st an d i n gs (2) u sed for
3 4 . Th e even t p assed . . . . . . . . . . . . .
........... di fferent con cept i on s
w i t h ou t an y u n t ow ar d i n ci - (3) has been u sed for
abou t space.
dent . (4) having u sed for
(1) becau se t hey
(1) of (2) on (5) None of t hese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
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 FILL UP THE BLANKS (SINGLE SPACE)
4 1 . I n h i s p ai n t i n g, ‘Th e t h r ee 5 . (2) Over wh elm ed wi t h a feel - 2 7 . (4) Since, aft er t he gap a com -
Mu sicians’, Picasso reached a i ng. p l et e sen t en ce i s n ot t h er e,
cl i m ax i n h i s u se . . . . .. . . . .. . . 6 . (3) In su perlat ive ‘the’ is u sed. t hat ”s why ‘becau se’cannot be
geom et ric form s. 7 . (2) Discu ss abou t . u sed as it is conju nct ion.
(1) t o (2) of 2 8 . (1 ) Si n ce, n o con j u n ct i on i s
8 . (4) ‘A gr eat m an y 1 = a l ar ge
(3) on (4) wi t h n u m b er of , op t i on a an d b t here t wo com plet e sent en ces
(5) None of t hese m ean ‘m u ch ’ and are u sed wit h cannot com e (opt ions c and d
4 2 . Th e present Con st it u t i on wi ll u ncou nt able nou ns. are ou t ).
see .............. am endm ents bu t 9 . (4) of being k illed 2 9 . (2) The ph r ase i s t o ‘com e t o
it s basic st ru ct u re will su rvive. m in d’.
1 0 . (3) Af t er su b j ect a ver b i s
(1) m any m ore needed. 3 0 . (1) Befor e a n ou n i n posi t i ve
(2) m u ch m ore com parison ‘lik e’ is u sed.
1 1 . (2) ‘St i l l ’ i n t h e secon d sen -
(3) t oo m any m ore t en ce m ean s t h at bot h sen - 3 1 . (2) In posit ive com parison wit h
(4) qu it e a few m ore t ences are cont radict ory. adject ive t he correct st ru ct u re
is ‘as + Adj. + as’.
(5) None of t hese 1 2 . (1) Aft er p r ep osi t i on a n ou n
4 3 . M an y p eop l e i n D el h i cel - shou ld be u sed. 3 2 . (2) ‘Usher’ in.
ebrat ed Diwali in a grand way 1 3 . (1) I n u n iver sal t r u t h pr esen t 3 3 . (2) ‘Tr ait or’ t o.
............... t he high prices. indefinit e is u sed. 3 4 . (3) ‘Pass’ of f m ean s to
(1) in spit e of 1 4 . (2) In com parat ive degree aft er spend wit hou t cau sing any
(2) even t hou gh than same noun (‘total weight’) u npl easan t effect . Pass away
(3) becau se of or ‘that of in place of that noun m eans t o die.
(4) even if is used. 3 5 . (4) A preposit ion is needed.
(5) None of t hese 1 5 . (2) The full form is “whom you are 3 6 . (1) Si m p l y a t i m e d en ot i n g
greeting’and ‘whom’is allowed to word is requ ired.
SHORT ANSWERS om it . 3 7 . (4) ‘Besides’m eans in addit ion
1 6 . (4) Before and aft er a conju nc- to, beside m eans by the side of.
1. (2) 2. (2) 3. (3) 4 . (1) t ion com pl et e sen t en ce m u st 3 8 . (4) To be u sed as a su bject ei-
5. (2) 6. (3) 7. (2) 8. (4) com e. t her t o V 1 or vi ng shou l d be
1 7 . (2) In u sed.
9. (4) 10. (3) 11. (2) 12. (1) 1
1 8 . (3) D ou bl e com par at i ve sen - 3 9 . (1) Aft er ‘want ’t o V is u sed.
13. (1) 14. (2) 15. (2) 16. (4)
t ences. 4 0 . (3) Pr i n ci p l e ver b i n p assi ve
17. (2) 18. (3) 19. (4) 20. (4) form is u sed.
1 9 . (4) regards
21. (1) 22. (2) 23. (2) 24. (3) 2 0 . (4) With ‘necessary’for is u sed. 4 1 . (2) ‘Use’ of.
25. (1) 26. (2) 27. (4) 28. (1) An d aft er preposi t ion a nou n 4 2 . (1) m any m ore
29. (2) 30. (1) 31 . (2) 32. (2) (com plet ion) shou ld be u sed. 4 3 . (1) in spit e of
2 1 . (1) ‘Di fficu lt y’ wit h/ in doin g a ppp
33. (2) 34. (3) 35. (4) 36. (1)
work .
37. (4) 38. (4) 39. (1) 40. (3)
2 2 . (2) The su bject and t he verb of
41. (2) 42. (1) 43. (1) t he sent ence are m issing.
2 3 . (2) The correct form is ‘fond of
EXPLANATIONS doing som et hing’.
2 4 . (3) Wi t h ‘h ope’ m odal can n ot
1 . (2) In condit ional sent ence t he
be u sed.
principle clau se t ak es ‘wou ld’.
2 5 . (1) Verb of ‘in crease’ i s t o be
2 . (2) In com parat ive (‘two assis-
u sed. ‘Tend’ t ak es t o V 1 aft er
t ant s’) ‘m ore’ is u sed.
t h at .
3 . (3) Sin ce, t h e n u m ber i s not
decided ‘none’is preferable. 2 6 . (2) The verb shou ld be in pas-
sive as doer of ‘to elect ’ is not
4 . (1) In present perfect cont inu -
presen t i n t he sent ence. Op-
ou s wit h poin t of t im e ‘sin ce’
t ions a, c and d are act ive.
is u sed.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
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FILL UP THE BLANKS
(DOUBLE SPACES)
NATIONALISED BANKS
& IBPS PO/MT/SO
Di r ect i on s (1 –1 0 ) : Pick ou t th e
m ost effective pair of words from th e
given pair of words to m ak e th e sen -
t en ce/ sen t en ces m ean i n gfu l ly com -
plete.
(Can ar a Ban k PO Ex am . 09.02.2003)
1. Th e t each er m u st ......... t h e
u n iqu e style of a learn er in order
to ......... it to th e desired k n owl-
edge.
(1) advocate ......... direct
(2) perpetu ate ......... develop
(3) appreciate ......... focu s
(4) absorb ......... m ain tain
(5) discover ......... h arn ess
2. Not al l cou n tries b en efit .........
from liberalisation . Th e ben efits
t en d t o . . .. . . .. . fi r s t t o t h e
advan taged an d to th ose with th e
righ t edu cation to be able to ben -
efit from th e op portu n ities pre-
sen ted.
(1) equ ally ......... gen erate
(2) rich ly ......... down grade
(3) su itably ......... ascribe
(4) u n iform aly ......... percolate
(5) ju diciou sly ......... facilitate
3. H e h as ......... sen se of word s.
Th erefore, th e sen ten ce h e con -
stru cts are always ......... with rich
meanin g.
(1) profou n d ......... pregn an t
(2) distin gu ish ed ......... loaded
(3) terrific ......... tem pted
(4) m ean in gfu l ......... fu ll
(5) ou tstan din g ......... con sisten t
4. He was an ......... m u sician , h ad
been awarded th e George Medal
du rin g th e secon d world war an d
. . .. . . .. . w i t h t h e t i t l e o f Ra i
Bahadu r.
(1) ou tstan din g ......... popu larise
(2 ) u n d er est i m at ed ......... d e-
clared
(3) accom plish ed ......... h on ou red
(4) im pressive ......... assign ed
(5) obdu rate ......... proclaim ed
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
5. Wh eth er it be shallow or not, com-
m itm en t i s th e ........., th e bed-
rock of an y ......... lovin g relation -
ship.
(1) expression ......... perfu n ctory
(2) fou n dation ......... gen u in ely
(3) m an ifestation ......... deep
(4) k ey ......... alarm in gly
(5) basis ......... absorbin g
6. Many people tak e spiritu ality very
seriou sly an d ......... abou t th ose
wh o don ’t, worryin g abou t th em
an d ......... th em to believe.
(1) th in k ......... criticisin g
(2) pride ......... appraisin g
(3) ration alise ......... en ablin g
(4) won der ......... proddin g
(5) pon der ......... ven tu rin g
7. Un less n ew reser ves are fou n d
soon , th e world’s su pply of coal
is bein g ......... in su ch a way th at
with dem an d con tin u in g to grow
at presen t rates, reserves will be
......... by th e year 2050
(1) con su m ed ......... com pleted
(2) depleted ......... exh au sted
(3) redu ced ......... argu m en t
(4) bu rn t ......... destroyed
(5) u tilized ......... perish ed
8. If you are a ........., you ten d to
respon d to stressfu l situ ation s, in
a calm , secu re, steady an d .......
way.
(1) resilien t ......... ration al
(2) obdu rate ......... m an ageable
(3) propitiou s ......... stable
(4) delectable ......... flexible
(5) su pportive ......... positive
9. Man agem en t can be defin ed as
th e pr ocess of ......... organ iza-
tion al goals by work in g with an d
throu gh h u man and non -h u man
r eso u r c es t o .. ... .. .. i m p r o ve
valu e added to th e world.
(1) gettin g ......... deliberately
(2) m an agin g ......... pu rposefu lly
(3) targetin g ......... critically
(4) realizin g ......... dialectically
(5) reach in g ......... con tin u ou sly
10. I f y ou a r e a n i n t r ov er t , y ou
......... t o pr efer wor k i n g alon e
an d, if p ossib le, will ......... t o-
war d s p r oj ect s wh er e you can
work by you rself or with as few
people as possible.
(1) lik e ......... depart
(2) advocate ......... m ove
(3) ten d ......... gravitate
(4) express ......... attract
(5) feel ......... follow
Di rect i on s (11–15) : Each qu estion
below h as two blan k s. Th ere are five
pairs of words below each sen ten ce.
Each pair is, n u m bered. Ch oose th e
pair of words wh ich can be filled u p in
th e blan k s in th e sen ten ce in th e sam e
order so as to com plete th e sen ten ce
meaningfu lly.
(Sy n di cat e Ban k PO
Ex am .1 0 .1 0 .2 0 04 )
11. Th e ___________ playin g of lou d
mu sic h as led the angry residen ts
of th is vicin ity to file a police com-
plain t and move cou rt against the
organ iser’s lack of ____________
for th e people’s n eed for a peace-
fu l neigh bou rh ood.
(1) peacefu l, th ou gh t
(2) abru pt, h ope
(3) in cessan t, con sideration
(4) fash ion able, frien dlin ess
(5) intermitten t, in terpretation
12. Th e ___________ of th e ch ron ic
b a l an ce o f p ay m en t s d efi c i t
wh ich h as ____________ th e Fi-
nance Min istry u nder th ree Prime
Min isters is very real.
(1) tem ptation , reviled
(2) u n derstandin g, m en aced
(3) im pact, u n derestimated
(4) obligation , blessed
(5) dilem m a, plagu ed
13. Britain for th e presen t, is deeply
__________ in econ om ic trou bles,
an d th e econ om ic fu tu re, h eavily
__________ look s u n certain .
(1) en grossed, respon sive
(2) in grain ed, sk eptical
(3) satu rate, en veloped
(4) m ired, m ortgaged
(5) restrain ed, participative
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14. Our Constitution was based on the
belief t h at th e fr ee ___________
of id eas, p eop le an d cu l tu r es is
essen ti al to th e ___________ of
a dem ocratic societ y.
(1 ) selecti on , con cu r ren ce
(2 ) i n terch an ge, p reservati on
(3) rever sal, u ph old in g
(4) dissem i n ation , con gru en ce
(5) distin ct ion , design
15. As t h i s cou n t r y h as b ecom e
m ore _____ in du strial an d in ter -
n ationalised, it h as lik e all West-
er n d em ocracies, experien ced a
n ec es s a r y i n c r ea s e i n t h e
_______ of th e ex ecu tive.
(1 ) u r ban i zed , role
(2 ) ob jective, weal th
(3 ) syn th esi zed , efficien cy
(4) civi lized , con ven ien ce
(5 ) con cretized, visi on
Di r ec t i o n s (1 6 –2 0 ) : In each of
th e followin g sen ten ces t h er e ar e t wo
bl an k s sp aces. Below each sen ten ce
th ere are fi ve pair s of word s den ot ed
by n u m bers (1), (2), (3), (4) an d (5 ).
Fi n d ou t wh ich pai r of word s can be
fil led u p in th e blan k s in th e sen ten ce
in th e sam e sequ en ce to mak e th e sen -
tence gram matically correct and m ean-
in gfu lly com p lete.
(Cor p or at i on Ban k PO
Ex am . 0 9 . 0 7 . 2 0 0 6 )
16. More is ......... of con d ition s of
th e tr ibals in M ah arash tra th an
............. con d iti on s of th ose in
th e ot h er parts of th e cou n tr y.
(1 ) cert ain ..........t h e
(2 ) k n own ...........of
(3 ) aware ............. of
(4 ) favou rabl e...........t h ose
(5 ) u n certain ............all
17. Al th ou gh ............. i s n ot a very
desir able feeli n g, we n eed a cer -
tain am ou n t of i t to ........... well.
(1 ) an xiety ............ exi st
(2 ) gr ief ............... en j oy
(3 ) i m pat ien ce ........... p reach
(4 ) an ger .............. defi n e
(5 ) jealou sy .............. b ad
18. Al th ou gh h e is a .......... person ,
h e occasion all y loses h i s .........
(1 ) qu iet ........... power
(2 ) ch eerfu l ............. gri ef
(3 ) b alan ced ............. t em p er
(4 ) t h ou gh tfu l ............. an xiety
(5 ) gen erou s ............ weal th
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
19. In a ............ t on e, t h e l ead er
m ade a powerfu l.......to th e m ob.
(1 ) r eal ist ic ............. zeal
(2 ) l ower ............. con vi cti on
(3 ) l ou d ............... argu m en t
(4) soft .................. app eal
(5 ) p itch ............... stat em en t
20. Th e t u n n el was so ..............
a n d c on ges t ed , t h at w e b e-
cam e...........
(1 ) l on g ........... en th u si ast ic
(2 ) d eep ............ cau tiou s
(3) d ar k ...........fr i gh ten ed
(4 ) crowd ed ............ isolat ed
(5 ) sh ar p ........... worri ed
Di r ec t i o n s (2 1 –2 5 ) : In each of
th e followin g sen ten ces t h er e ar e t wo
bl an k sp aces. Below each fi ve pai rs
of words h ave b een den oted by n u m -
bers (1), (2), (3 ), (4) an d (5 ). Fin d ou t
wh ich pair of word s can be fill ed u p
in th e b lan k s i n t h e sen ten ce i n t h e
sam e sequ en ce t o m ak e th e sen ten ce
m ean in gfu lly com plete.
(I n di an Ov er seas Ban k PO
Ex am . 1 5. 0 6. 20 08 )
21. ___ th e acti vit ies of m on eylen d-
er s cou l d h ave an adverse i m -
pact on t h ose wh o ___ access to
ban k credi t.
(1) en cou raging, en joyin g
(2) perm it tin g, den i ed
(3) con fi n in g, en t itled
(4) pr om ot in g, b en efit
(5) cu r bin g, lack
22. Th e bu dget an n ou nced su bstan -
ti al ___ of ___ to cr iti cal sectors
li k e edu cation an d h ealt h car e.
(1) expen ditu r e, cap ital
(2) san ction , in itiative
(3) allot m en t, secu rity
(4) disbu rsem en t , in vestm en t
(5) allocation , resou rces
23. Th e govern m en t h as decided n ot
to m ak e an y ___ ch an ges i n t h e
cou n tr y’s tax ___ .
(1) sweep in g, r egi m e
(2) tr an sparen t, h i k e
(3) drastically, n et
(4) con stitu tion al, reven u e
(5) ex ist in g, stru ctu re
24. Th e RBI h as ___ a st at em en t
th at th e im p lem en t ati on of KYC
n orm s shou ld n ot lead to th e de-
n i al of b an k in g ___ to cu stom -
er s.
(1) released, asset
(2) issu ed, ser vices
(3) dr aft ed, cleari n g
(4) m ade, tari ff
(5) n otified tran saction
25. Th e n ew sch em e___ al l person s
wi th d isab ilit ies defin ed ___ th e
Disabilit ies Act.
(1) discrim in ates, accor din g
(2) recogn ises, ben eath
(3) pr ofit s, with in
(4) cover s, u n d er
(5) pr om ises, by
Di r ect i on s (2 6 –3 5 ) : In each of
th e followin g sen ten ces t h er e ar e t wo
b lan k spaces. Bel ow each sen ten ce
th ere are fi ve pair s of word s den ot ed
by n u m bers (1), (2), (3), (4) an d (5 ).
Fi n d ou t wh ich pai r of word s can be
fil led u p in th e blan k s in th e sen ten ce
in th e sam e sequ en ce to mak e th e sen -
tence gram matically correct and m ean-
in gfu lly com p lete.
(Ban k Of Bar od a Spec i al i st Of f i c er
Ex am . 0 5 . 1 0 . 2 0 0 8 )
26. To avoid ––––––, th ere i s a n eed
f o r –––––– p l a n n i n g o f t h e
pr oj ect.
(1) can cel lati on , broad
(2) pr obl em , delib erate
(3) pi tfal ls, syst em at ic
(4) in con ven ien ce, con ven i en t
(5) losses, t em p orary
27. A good m an agem en t wil l d eci de
n ot on ly th e ––––––––– for equ ip-
m en t b u t al so i ts –––––––– for
decidi n g p rior ities.
(1) n eed, u r gen cy
(2) u sefu ln ess, u t ility
(3) cost, val u e
(4) requ i rem en t, n ecessiti es
(5) tech n ology, m eth odology
28. –––––– appears to be a sm al l er -
ror in th e beginning m ay tu rn ou t
t o b e a ––––––––– i n t h e l on g
ru n .
(1) It , di sast er
(2) Wh at, b lu n d er
(3) Th at, debacle
(4) It , sl ip
(5) Wh at , in ci den t
29. Bein g very ––––––– in n atu r e, h e
al ways u ses h is ––––––– sk ill s.
(1) adam an t, soft
(2) pol ite, basic
(3) h u m ble, experim en tal
(4) pu sh y, persu asi ve
(5) m i ld, aggressi ve
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30. Dem an d an d su pp ly d o n ot ––––
th e sam e relation sh ip as th e on e
t h at –––––––– b et w een h ei gh t
an d weigh t.
(1) possess, h as
(2) in cu r, is
(3) defen d , volu n teers
(4) bear, bor n e
(5) h ave, exists
31. If th e system –––––– to yiel d t h e
desired resu lt, try to ––––––– th e
wh ol e proced u re in t h e given se-
qu en ce.
(1) en ti tles, du m p
(2) ign ores, rep rodu ce
(3) fails, r eop erate
(4) im itat es, gen erate
(5) equ ip s, en com pass
32. H e i s so –––––––– i n h i s ap -
pr oach th at n ot a sin gle poi n t
ever––––––– h is at ten tion .
(1) m eticu lou s, escap es
(2) casu al, erod es
(3) fan ati c, brin gs
(4) delib erate, att racts
(5) n asty, coi n cid es
33. Gen er al l y, –––––––– st u d en t s
–––––– t h ose wh o are m edi ocr e.
(1) h u m ble, su rm ou n t
(2) m er itori ou s, su rp ass
(3) br igh t , overest im ate
(4) in t elli gen t , su rren der
(5) st u di ou s, respect
34. ––––––– an d ––––––– sh ou l d n ot
b e t ol er at ed i n o u r cou n t r y
wh ich boasts of ‘Ah im sa’ as i ts
way of life.
(1) Politick in g, election s
(2) Dish on ou r, effi cien cy
(3) Leth argy, procrasti n ation
(4) Nepoti sm , selfish n ess
(5) Hatred, violen ce
35. He ––––––– a wr on g act becau se
it was ––––––– for h im to do so
du e t o circu m st an t ial forces.
(1) com pelled, n ecessary
(2) refu sed, dan gerou s
(3) did, avoid able
(4) com m itted, in evitable
(5) sim plified , h arm fu l
Di r ect i on s (3 6 –4 0) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k t h at best fits th e m ean i n g
of th e sen ten ce as a wh ol e.
(Un i t ed Ban k Of I n d i a PO
Ex am . 2 1. 0 6. 20 09 )
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
36. Man y teach ers ______ th e lack
of pr ofessi on al fr eed om as th e –
–––– for leavi n g th e job.
(1) ci ted , r eason
(2 ) expl ain ed, for ce
(3) claim ed, u n derstan din g
(4 ) ar gu ed , cu lpr it
(5 ) b eli eve, grou n d
37. Sk ept ics wou ld n ot _______th at
t h e ear t h act u al l y m oves, l et
al on e t h at i t –––––ar ou n d t h e
su n .
(1 ) perm i t, orbi ts
(2) accep t, revolves
(3 ) experien ce, ci rcl es
(4 ) assu m e, wen t
(5 ) ch al len ge, spi n s
38. U n p r ed i ct ab l e _______ of t h e
ch ild cou ld n ot lead th e con su lt-
an ts to an y ––––––.
(1 ) p erform an ce, setti n g
(2 ) belief, ju dgem en t
(3) operati on , pu rp ose
(4) beh aviou r, con clu sion
(5 ) r eact, decisi on
39. A pu blic servant wh o is gu ilty will
n ot _______ pu n ish m en t an d n o
–––––– person wi ll be pu n i sh ed.
(1 ) be, sin cere
(2 ) fl ee, gu il ty
(3 ) defen d. com m on
(4) avoid, u n in form ed
(5) escap e, in n ocen t
40. Few professi on s can _____ t h e
sh eer var iet y an d con stan t ––––
–– of bei n g a doctor.
(1 ) li k e, st ru ggle
(2 ) sh are, en th u siast
(3) m atch , ch allen ge
(4 ) d raw, work -load
(5) ju stify, ex cept ion
Di r ect i on s (4 1–4 5 ) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k best fi ts th e m ean i n g of
th e sen ten ce as a wh ol e.
(An dh r a Ban k PO Ex am . 05. 07. 200 9)
41. Th e or gan ization ______ to pop-
u lari ze In di an cl assical m u si c
am on g th e you th wh ich h as lost
______ wi th its cu l tu r al r oot s.
(1) en deavou r s, tou ch
(2 ) wi sh es, in t erest
(3) effort s, exper ien ce
(4 ) ex ert s, in t rigu e
(5 ) n eed , rel ati on
42. On e of th e m ajor crit iqu es of th e
ex am i n at i on syst em i s t h at i t
______ to a spi rit of ______ com -
petit ion am on g th e stu d en t s.
(1) resu l ts, d efecti ve
(2 ) accom pan ies, adequ ate
(3) develops, i n ten se
(4 ) t ak es, severe
(5 ) l ead s, u n h ealt h y
43. Au r oras ar e n atu r al li gh t d is-
plays in th e sk y, u su ally _______
at n igh t,____in th e Polar region s.
(1) watch , u pward
(2 ) n oti ced , pecu li ar
(3) ob ser ved, on ly
(4 ) fou n d , m ost
(5 ) foll ows, m ain ly
44. Aft er th e b oar d ex am in ati on s,
st u den ts are _______ u p for t h e
variou s en t ran ce exam in ation s
____ for n ex t m on t h .
(1) ready, tim ed
(2 ) geari n g, sch edu l ed
(3) pr epared , pr ogr am m ed
(4 ) set, du rati on
(5 ) gear ed, k ep t.
45. T h e go v er n m en t a l ______
spu rred dram atic im provem en ts
in th e way wast e m an agem en t
is _____ ou t in m an y h ospi tal s.
(1) ru le, th rown
(2 ) p lan s, con du ct
(3) cr u sad e, don e
(4 ) efforts, carri ed
(5 ) ven t u re, disposed
Di r ect i on s (4 6 -5 0 ) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k wh ich b est fi ts t h e m ean -
in g of th e sen ten ce as a wh ol e.
(PNB Speci al i st Of f i cer 's
Ex am . 1 6 . 0 8 . 2 0 0 9 )
46. Th e petit ion er h ad _____ an i m -
m ediate stay fr om th e cou rt on
al lot m en t of th e fl ats ti ll_____of
in vestigation i n to th e al leged i r -
regu larities.
(1 ) ask ed , p rocess
(2) sou gh t, com pletion
(3 ) pr opagated, fin i sh
(4 ) d em an ded , cou r se
(5 ) gran ted , en d
47. M od er n m u si c d oes n ’t l en d
_____ to lon gevity; som etim es it
is h ard even to rem em ber wh at
th e bi ggest h it from a _____ of
years ago was.
-56-

(1 ) i tself, cou ple (2 ) m u ch , few
(3 ) m on ey, som e
(4 ) m att er, sp att er
(5 ) su bstan ce, variety
48. Op por tu n iti es _____ wh en th ey
ar e seized an d _____ wh en th ey
ar e n ot.
(1 ) gath er, evade
(2 ) n eed ed, reflect
(3 ) create, disper se
(4) sh ou t, calm
(5) m u ltiply, die
49. At th e sou n d of th e bell we are
_____ to pau se, relax ou r body
an d b ecom e gen t ly _____ of ou r
in -br eath an d ou t-breath . .
(1 ) ask ed , th ou gh tless
(2 ) r equ est ed, wi sh fu l
(3 ) in vit ed, aware
(4 ) forced, m ean in gfu l
(5 ) b raced, calm
50. _____ to li sten to th e sou n ds of
n atu re, we fin d th at we can af-
terwards car ry on wit h wh atev-
er we were d oin g in a m ore _____
an d lovin g way.
(1 ) Feelin g, h elpfu l
(2) Waiti n g, rou gh
(3) Dream in g, dram atic
(4) Pau sin g, att en ti ve.
(5 ) Hu rti n g, creati ve
Di r ect i on s (5 1–5 5 ) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k t h at best fits th e m ean i n g
of th e sen ten ce as a wh ol e.
(Cor p or at i on Ban k PO
Ex am . 2 2 . 1 1 . 2 0 0 9 )
5 1 . As th e boat _____, all th ose on
b oar d for t u n at el y m an aged t o
reach th e ban k of th e river ____,
wi th th e h elp of t h e life b oat s.
(1) capasized, dr own ed
(2) fel l, h arm lessly
(3) d ropp ed , u n inju red
(4) d eceased , u nhu rt
(5) san k , safely
52. Ash im a ____ h er team with a l ot
of sk ill an d th e ____ in crease in
th e sales by th e team is a m ea-
su re of h er su ccess.
(1) dom inates, poor
(2) con dem n s, su dden
(3) m an ages, sign ifican t
(4) d ir ects, worth less
(5) over powers, exceptional
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
5 3 . On bein g ask ed for th e p asspor t,
h e ____ to h is dism ay t h at h e h ad
____ to b rin g i t al on g wi th h im to
th e ai rpor t.
(1) sh ock ed , failed
(2) reali zed, forgotten
(3) pl eaded, n eglect ed
(4) u n derstood, lost
(5) recogn ized, m issed
5 4 . Helen qu ick ly ____ th e career lad-
der an d i s n ow th e ____ m an ag-
ing director, the company has ever
appoin ted.
(1) ju m ped, sh or test
(2) en t er ed , oldest
(3) start ed , ju nior most
(4) clim bed, you ngest
(5) ascen d ed , in exper ien ced
55. A fam ou s econ om ist says th at th e
govern men t sh ou ld do more to ___
jobs in t h e area i n order to cu rb
th e ____ rat e of u n em ploym en t.
(1) cr eat e, rising
(2) n eed , in creasin g
(3) em ploy, high
(4) in ven t, growin g
(5) gen erate, slowin g
Di r ect i on s (5 6 –6 0) : Each qu es-
tion below h as t wo b lan k s each bl an k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k t h at best fits th e m ean i n g
of th e sen ten ce as a wh ol e.
(Pun j ab & Si n d Ban k PO
Ex am . 1 6. 0 5. 20 10 )
56. Cen tre sh ou ld _______ m in istries
wh ose fu n cti on s _________ wi th
th e state m in istries to save m on -
ey, d eli ver effici en cy an d avoid
du pli cat ion of wor k .
(1 ) fi n ish , differ
(2) establ ish , con trad ict
(3) con stitu te, m atch es
(4) abol ish , over lap
(5 ) bl ock , vary
57. Man y peop le ______ gen eti cal ly
m odified food bu t th e reali ty is
th at all th e food th at we eat h as
been gen etically m odified n at u -
rally by th ou san ds of years of
(1) praise, m anipu lation
(2) grow, m i sm an agem en t
(3) cri tici ze, farm in g
(4 ) avoid , exper ien ce
(5 ) con dem n , abu se
58. Gi ven th at on ly seven p ercen t of
th e cou n try’s labou r for ce is in
the organ ised sector, training op-
ti on s ________ for th e u n orga-
n i zed sect or s sh ou l d al so b e
______.
(1) availabl e, en h an ced
(2 ) absen t, im p roved
(3) lack in g, su stain ed
(4 ) exist in g, r estr ict ed
(5 ) offered, li m it ed
59. Gover n m en t in iti atives an d par -
t i ci p at i on of m an y i n d u st r i al
h ou ses in ________ loan s t o t h e
v i l l a ger s h a v e l ed t o t h e
_______of t h e far m er s.
(1) pr ovidin g, p ligh t
(2) disbu rsin g, bet term en t
(3) den yin g, revitalization
(4) su bsid izin g, su fferin g
(5) tak in g, advan cem en t
60. In dian s wil l _____ on e-fou r th of
total wor k force i n t h e n ext fi ve
years bu t In dia n eeds to i n tr o-
spect wh eth er its edu cation sys-
t em i s _______for th ese dem o-
gr aph i c d ivi den d s.
(1 ) b ecom e, adequ ate
(2) con si st, in com pet en t
(3) con stitu te, u n equ ipped
(4 ) r epr esen t, sou n d
(5 ) com p rise, prepar ed
Di r ect i on s (6 1–6 5 ) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k wh ich b est fi ts t h e m ean -
in g of th e sen ten ce as a wh ol e.
(Ban k Of Bar oda PO Ex am .
30 .0 5.2 01 0)
61. Wh at goes i n to m ak in g a m ar -
riage can on ly be ___ by trial an d
er ror an d cou ples are best left
to ___ ou t wh at work s.
(1) di scovered, tran slate
(2) regu lated , fi n d
(3) learn t, figu re
(4) seen , th rash
(5) ex peri en ced, ju d ge
62. Th e pr od u cer is k n own to ___
wi th n ew st ars an d fr esh talen t,
an d t h ou gh th ere h ave b een a
few h i ts an d m isses, t h is fil m -
m ak er tot all y ____ for th e n ew
b reed .
(1) tr y, d em an ds
(2) ex per im en t, vou ch es
(3) si gn , goes
(4) pr odu ce, prom ises
(5) work , su p por ts
-57-

63. Th e Govern m en t stated th at it
had th e ____ right to u se as m u ch
force as was n ecessar y t o r egain
con tr ol of areas ____ by terror -
ist s.
(1) fr ee, m ark ed
(2) pr acti cal , left
(3) fu n d am en tal, in fest
(4 ) basic, u n der tak en
(5) legitim ate, domin ated
64. Obesity an d alcoh ol ____ togeth -
er to ____ t h e risk of li ver di s-
ease in b oth m en an d wom en .
(1) act, in crease
(2) resu l t, aggr avate
(3) tak en , arrest
(4) pu t, h eigh ten
(5) m i x, lower
65. Th ere wer e scream s, ch ill s an d
th ril ls ____ at th e d iscot h equ e
th e ot h er n i gh t as th e dir ect or
al on g wit h t h e produ cers h ost-
ed a part y t o ____ th e su ccess
of th eir latest h orror flick .
(1) com bin ed, down p lay
(2) alik e, m ou rn
(3) ex per ien ces, m ark
(4) galor e, celebrate
(5) ri sen , gen erate
Di r ect i on s (6 6 –7 0 ) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k wh ich b est fi ts t h e m ean -
in g of th e sen ten ce as a wh ol e.
(Cen t r al Ban k Of I n d i a PO
Ex am . 2 5 . 0 7 . 2 0 1 0 )
66. Ad din g to a growin g body of r e-
sear ch ______ cu t tin g back on
sweeten ed bever ages i t is n ow
fou n d th at d rin k in g ______ su g-
ary drin k s m ay h elp lower bl ood
p r essu r e.
(1 ) for, all
(2) su stai n in g, in creased
(3 ) agai n st , l esser
(4 ) beh in d , m ore
(5 ) su pporti n g, fewer
67. Th e bl am e gam e for th e air trag-
edy is atr eady in fu ll ______ with
th e au th orit ies in volved m ak i n g
at t em p t s t o ______ for t h em -
sel ves.
(1 ) sway, d efen d
(2 ) view, t ry
(3 ) fled ged, pr otect
(4 ) swin g, cover
(5) rol l, h ide
68. Th e actress, wearin g a dark grey
su i t an d op en n eck ed sh i r t ,
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
sat______th e pr oceedi n gs look -
in g n ervou s th r ou gh ou t, occa-
si on al ly frown in g as h er l awyer
______wit h t h e j u dge.
(1) th r ou gh , argu ed
(2 ) on , spok e
(3 ) for, add ressed
(4 ) with , d iscu ssed
(5 ) al on g, lectu r ed
69. It was an excellen t social even in g
wit h peop le from al l ______ of
li fe gett in g a ch an ce to let th eir
h air ______.
(1 ) ar eas, dr op
(2 ) r eal m s, fl ow
(3 ) aren a, u n don e
(4 ) walk s, down
(5 ) t ypes, loose
70. Th ere can be n o den yin g th e fact
th at in sports, star coach es h ave
th e ____ to get som eth in g ext ra
ou t of t h ei r___.
(1) aappr eh en si on , work
(2) abili ty, team s
(3) fear, m em b er
(4) capab ility, h ou se
(5 ) desir ou s, pl ayers
Di r ect i on s (7 1 –7 5 ) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k wh ich b est fi ts t h e m ean -
in g of th e sen ten ce as a wh ol e.
(Pun j ab Nat i on al Ban k Sp eci al i st
Of f i cer Ex am . 2 4. 10 .2 01 0)
71. After _____ p ayrolls an d tigh ten -
in g perk s to cop e with th e eco-
n om ic slowdown l ast year, soft-
ware com pan ies are fin din g t h at
a risin g n u m ber of en gin eeri n g
an d m an agem en t gr adu ates are
t r an sfer r i n g t h ei r ____t o voca-
tion s su ch as manu factu rin g an d
ban k in g.
(1) trim m ing -loyalties
(2) redu cin g -accou n ts
(3 ) h ik i n g -ser vices
(4 ) i n cr eased -affection s
(5) dropped -poten t ials
72. It is ver y i m portan t to ____ th at
wh en t h e swi n e flu vir u s en ters
a h u m an b ody, i t t ak es a m in i-
m u m of on e d ay to a m axim u m
of ei gh t days for th e di sease to
devel op ____.
(1) gau ge -ext en sively
(2 ) ascer tain -fu rth er
(3) u n derst an d -fu lly
(4 ) veri fy -rem ar k ab ly
(5) fath om -cl early
73. Scien t ist s, work in g to save t h e
earth , h ave _____ ‘dry water’th at
soak s car bon th r ee tim es b ett er
t h an w at er, an d h en ce h el p s
____ global war m in g.
(1) aided -cu t
(2 ) created -com b at
(3) bu ilt- stop
(4 ) p rod u ced -in crease
(5) in ven ted -m on itorin g
74. The first rou n d of the contest had
t h e st u d en t s ____ t h em sel ves
an d _____ ab ou t th eir h ob bies.
(1) in trodu cin g -talk in g
(2) sen sitizin g -sk etch in g
(3) showcasin g -plan n in g
(4) acclimatizing -m en tion in g
(5) gearin g -ch alk in g
75. The varsity’s poll process for ____
of n ew can didates h as ____ poor
respon se with on ly ten th ou san d
ap pli cat ion s b ein g recei ved ti ll
date.
(1 ) en tru stin g -seen
(2) registration -evok ed
(3 ) en tran ce -m ade
(4) adm issi on -visited
(5) exp erim en tin g -gen erated
Di r ect i on s (7 6 –8 0) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k wh ich b est fi ts t h e m ean -
in g of th e sen ten ce as a wh ol e.
(Un i t ed Ban k Of I n d i a PO
Ex am . 1 4. 1 1. 20 10 )
76. Th e actress’____ from a ch i lled-
ou t girl off screen t o an in ten se
actor on screen in ju st a few m in -
u t es is _____ am azin g.
(1) ch an ge, im p roperly
(2) r evolu tion , ju st
(3) tran sform ation , sim ply
(4) ad ju stm en t, really
(5) ren ovation , tru th fu lly
77. Con sideri n g th e _____ of th e city
to chem ical and in du strial disas-
ters, th e Stat e di saster m an age-
m en t au t h or ity h as decid ed to
constitu te an expert stu dy grou p
to an alyze all possib le t h r eats
an d su ggest _____ to m ak e t h e
city ‘disaster -resili en t’.
(1) vu ln er ability, m easu res
(2 ) p ropen si ty, sk etch es
(3) volatility, plan s
(4) regu l arity, preparati on s
(5) in stabi lity, m aps
78. Despi te t h e col lapse of effor ts to
legislate a clim ate bill, th e cou n -
-58-

tr y h as _____ in ter n at ion al n e-
gotiators it rem ain s _____ t o r e-
du cin g carbon em ission s over the
n ext t en year s.
(1) en t ru sted, ob ligated
(2 ) p rom ised , aver se
(3 ) declared, ign oran t
(4 ) assu r ed, com m itt ed
(5 ) p led ged , atten ti ve
79. _____ by ot h er sin ger s an d m u -
sician s, th e sin ger san g his h eart
ou t an d even _____ t h e you n g
n ewcom ers du rin g t h eir act.
(1 ) Helped, sm il ed
(2 ) Accom pan ied , ch eer ed
(3 ) Created , j u dged
(4) Stop ped, applau ded
(5 ) Assisted , gr eet ed
80. Th e h ealt h offi cials were told to
_____ t h e m ed ical pr act iti on ers
ab ou t th e t reat m en t an d im m e-
di ate m edical _____ to be given
to swin e fl u p ati en t s.
(1 ) i n form , assistan ce
(2 ) en list , b ack i n g
(3 ) d issu ade, aid
(4 ) appr ise, em er gen cy
(5 ) en cou rage, h elp
Di r ect i on s (8 1 –8 5 ) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k wh ich b est fi ts t h e m ean -
in g of th e sen ten ce as a wh ol e.
(Ban k Of M ah ar ash t r a
Ex am . 1 9. 1 2. 20 10 )
81. We can feel m orally ______ wh en
som eon e in su lts u s-as lon g as
we do n ot ______ u p on th ose fe-
li n gs by bu rn in g d own h ou ses.
(1) ch allen ged, stan d
(2 ) ou traged , act
(3) bou nd, bu ild
(4) obl iged , th in k
(5 ) vi olated , h arp
82. H u m an b ei n gs ar e b i ol ogi cal
______; t h ey n eed t o b e gr ou n d-
ed in tim e an d pl ace or else th ey
com e ________.
(1 ) t h in gs, forward
(2 ) sou ls, back
(3) organ ism s, u n h in ged
(4 ) feat u res, u n don e
(5 ) creatu res, again
83. ______ th eir golden years of love
an d t oget h er n ess, t h e cou p l e
_____ al l th eir gu est s at th eir fi f-
ti eth weddi n g an n i ver sar y.
(1) Cel ebratin g, welcom ed
(2 ) Rem em berin g, ask ed
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
(3) Rejoi cin g, prom i sed
(4) Com m emorating, brou gh t
(5 ) Observi n g, gr eet ed
84. Sin ce it does n ot h ave th e ______
to do an yth in g beyon d sen di n g
ou t n otices; th e corpor ati on h as
n ow d eci ded to tak e step s t o at-
tach m ovable properties su ch as
cars so th at p eopl e t ak e th e n o-
ti ces m ore _______.
(1) au th ority, appropriately
(2) in flu en ce, ju stly
(3 ) gu ts, sin cerely
(4 ) pr essu re, gr avely
(5 ) p ower, seri ou sly
85. A n ew law h as been passed st at-
in g t h at n o act or wou ld b e al-
l owed t o sh oot b eyon d t wel ve
h ou rs in a day an d t h ose wh o
______ t h is n or m wou l d h en ce-
forth be _______ for i t.
(1) fol lowed, p u n ish ed
(2) accom pan ied, repr im an ded
(3) flou ted , pen al ized
(4 ) defied, appl au d ed
(5 ) ob eyed , d isci plin ed
Di r ect i on s (8 6 –9 0 ) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om i t t ed . Ch oose t h e set of wor d s/
ph rases for each bl an k th at best fi ts
t h e m ean i n g of t h e sen t en ce as a
wh ole.
(Or i en t al Ban k Of Com m er ce PO
Ex am . 26 .12 .20 10 (I st Si t t i n g)
86. ______ is Ch in a th e world’s m ost
popu l ou s cou n tr y, wit h n ear ly
1.3 b illi on people, it is also t h e
world’s fastest-growin g econ om y,
_____ m or e t h an fou rfold every
year.
(1 ) Not on ly – expan di n g
(2 ) M erely – devel opi n g
(3 ) H ard ly – gr owi n g
(4) Su rprisin gly – flou rish in g
(5 ) An exam ple – evolvi n g
87. Ban galore h as ____ beyon d rec-
ognition into an IT -propelled m e-
tropolis from a laidback city th at
it _____.
(1 ) ch an ged – is
(2 ) d evelop ed – sh ou ld be
(3 ) con stru cted – u sed to be
(4) pr ogr essed – clai m s to be
(5 ) m orp h ed – on ce was
88. Wh ile th e agricu ltu ral revolu tion
______ th e earth ’s su rface, t h e
In du st rial Revol u ti on is ch an g-
in g t h e eart h ’s _____ .
(1 ) ch an ged – as well
(2 ) su ffered – air
(3 ) b en efit ed – con d iti on
(4) tr an sfor m ed – at m osph ere
(5 ) p red ict ed – ci rcu m st an ces
89. Th e fin di n gs of a recen t stu dy
to ______ th e factors wh ich i n -
f l u en c e s u c c es s f u l p r i m a r y
sch ool com p l et i on _____ t h at
ex trem e p overty is respon sib le
for n in ety per cen t of th e sch ool
dr opou t cases.
(1 ) st u dy – proves
(2 ) establish – ex am i n e
(3 ) con stru ct – sh ow
(4 ) expl ore – r eveal
(5 ) r eveal – object to
90. ______ t h e con cep t of en viron -
m en t all y su st ai n abl e develop -
m en t ______ a qu ar ter -cen tu ry
ago, th ere is n ot a sin gle cou n -
tr y t oday wh ich h as a str ategy
to bu il d an eco-econ om y.
(1) Even th ou gh – bu ilt
(2 ) Al th ou gh – evolved
(3 ) B esid es – t ook sh ape
(4 ) After – sti ll
(5 ) Th ou gh – cr eat ed
Di r ect i on s (9 1 –9 5 ) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k wh ich b est fi ts t h e m ean -
in g of th e sen ten ce as a wh ol e.
(I n di an Ban k PO Ex am . 02. 01. 201 1)
91. Th e p rotests were ____ at ____
awaren ess am on g th e elit e an d
th e edu cated.
(1) h el d, gen erat in g
(2) aim ed, creat in g
(3) targeted , awak en i n g
(4) focu sed , bu ildi n g
(5 ) con cen tr ated, prod u ci n g
92. Wh i le i t is ____ possibl e to in fla-
tion-in dex cash entitlem ents an d
food stam ps, th e ____ n atu re of
food p r i ces w ou l d m ak e i t a
m ore d ifficu lt p rocess th an en -
visaged .
(1) th eoretically, volatile
(2) absolu tel y, stable
(3) h ypot h etically, slow
(4) n ot , u n pred ictable
(5) n otion ally, establish ed
93. Th e actr ess is ____ t h at sh e h as
not on ly acted opposite her ch ild-
h ood h ero, bu t h as also ____ ou t
a son g an d reci ted a poem on -
st age wi th th e livin g legen d.
(1) overj oyed , b elt ed
(2) m orose, su n g
-59-

(3) ecstatic, wr itt en
(4) ten se, pr epar ed
(5) el ated , m ade
94. _____ to popu l ar b eli ef th at r ed
m eat m ak es h u m an s ___, scien -
ti sts h ave fou n d t h at it act u al ly
h as a cal m in g effect.
(1) Dissim ilar, h appy
(2) Opposi te, in tell igen t
(3) Con tr ary, aggressi ve
(4) Com parable, h ostile
(5) St ick in g, vi olen t
95. _____ an ear lier ju dgem en t , t h e
h igh cou r t h as directed t h e state
gover n m en t t o i den tify n atu r al
water resou rces in th e stat e an d
_____ all il legal en cr oach m en ts
on th em .
(1) Rem em berin g, establ ish
(2) Cit in g, rem ove
(3) Can cellin g, bu ild
(4) Qu oti n g, destr oyin g
(5) Fu rth erin g, m aintain
D i r ec t i o n s (9 6 –1 0 0 ) : E ach
qu est ion below h as two b lan k s, each
bl an k in dicati n g t h at som et h in g h as
been om itted. Ch oose th e set of words
for each b l an k wh i ch b est fi t s t h e
m ean i n g of th e sen ten ce as a wh ol e.
(Un i on Ban k Of I n d i a PO
Ex am . 0 9. 0 1. 20 01 )
96. After ____ p u rsu in g i t for n ear ly
twen ty on e m on th s, th e cit y p o-
li ce ____ th e case of th e t rip le
m u rder of a professor an d h is
fam ily.
(1) relen tless - solved
(2) doggedly- cr ack ed
(3) con stan tly- h an ded
(4) persisten tly-fou n d
(5) ti relessl y- gen erat ed
97. It’s n ot ju st t h e ______ r eggae
an d d an ceh all m u si c t h at sets
th ei r part y exper ien ce apart, th e
grou p h as a D i sc J ock ey wh o
____ t h e crowd t o d an ce, i n ter -
acts with th em an d also raps to
th e m u si c.
(1) regu lar - ext ols
(2) groovy -exh orts
(3) m orose -com pels
(4) u p beat - beats
(5) rem ark able -m ak es
98. Th e i n ju r ed secu ri ty gu ar d was
first _____ to a sm all private h os-
pi tal from wh ere h e was sh ift ed
to a bigger civil h ospital as h is
______ d eter ior ated.
(1) ru sh ed - con dit ion
(2) h u rried - stat u s
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
(3) tak en - li fe
(4) ad m itt ed - form
(5) h asten ed - h eal th
99. Th e Fren ch govern m en t h as said
it wil l con d u ct a fou r th sear ch
for t h e fligh t recorders of an Air
France jetlin er th at _____ in to th e
Atl an ti c Ocean wh ile flyi n g from
Ri o d e J a n ei r o t o Pa r i s 1 8
m on th s ____.
(1) cr ash ed - ago
(2) plu n ged -later
(3) dove -before
(4) fell- pri or
(5) dr own ed - back
100. Fou r officials of a ru ral coopera-
ti ve ban k ____ th e in stit u ti on of
Rs. 1 .56 cr ore, by ____ of loan s
th rou gh fak e Self Hel p Grou ps
(SHGs).
(1) swin dled - avail in g
(2) ar rest ed - seek i n g
(3) ch eated - tak i n g
(4) du ped - recom m en di n g
(5) sh u t- borrowin g
Di r ec t i o n s (1 0 1 –1 0 5 ) : Each
qu est ion below h as two b lan k s, each
bl an k in dicati n g t h at som et h in g h as
been om itted. Ch oose th e set of words
for each b l an k wh i ch b est fi t s t h e
m ean i n g of th e sen ten ce as a wh ol e.
(Cor p or at i on Ban k PO
Ex am . 1 6. 0 1. 20 11 )
101. Beh avin g in a ____ an d seriou s
way , even i n a ___ si t u at i on ,
m ak es peopl e r esp ect you .
(1) calm , di fficu lt
(2) st ead y, an gry
(3) flam boyan t, tri ck y
(4) cool, astou n din g
(5) silly, sou n d
102. Alon g with a sh ar p ri se in _____,
a recession wou l d even tu ally re-
su lt in m ore m en , wom en an d
ch ild ren li vin g in _________.
(1) cri m e, apat h y
(2) fatalities, poor
(3) death s, slu m s
(4) u n em pl oym en t, poverty
(5) m i gration s, st reets
103. Th e govern m en t h as ______ to
pr ovid e fin an cial ai d to th e on es
______ by severe floods i n th e
city.
(1) desir ed, trou bl ed
(2 ) p rom ised, h avoc
(3 ) fail ed, affect ed
(4) wan ted, stru ck
(5 ) d eci ded , i ll
104. An air plan e wi th ______ p assen -
gers on board m ade an u n sched-
u l ed _______ as th e airport to
wh ich it was h eadi n g was cov-
er ed wit h th ick fog.
(1) irri table, slip
(2) fau lty, st op
(3) var iety, h alt
(4) ton s, wait
(5) n u m erou s, lan din g
105. Deem ed u n iversi ties _____ h u ge
fees, bu t h ave n ot been su ccess-
fu l i n p rovidi n g _____ edu cati on
to ou r stu d en t s.
(1) collect, m ain tainin g
(2) pay, b ett er (3) ask , good
(4) ch arge, qu ality
(5) dem and, qu an titative
Di r ec t i o n s (1 0 6 –1 1 0 ) : Each
qu est ion below h as two b lan k s, each
bl an k in dicati n g t h at som et h in g h as
been om itted. Ch oose th e set of words
for each b l an k wh i ch b est fi t s t h e
m ean i n g of th e sen ten ce as a wh ol e.
(Ban k Of Bar od a PO Ex am . 13. 03. 201 1)
106. Mu ch of th e ____ th at cri ck et
h as i s du e t o t h e fact it is a ___
sport.
(1) all u re, l u crat ive
(2) cri ticism , con t roversial
(3) attraction, u n popu lar
(4) fl ak , great
(5) com m en ts, u n u su al
107. Si n ce foggy weat h er _____ visi-
bility by several m etres, th e rail-
ways h as eit h er part ial ly ____
or divert ed som e of th e tr ain s.
(1) im proves, st art ed
(2) im pai rs, called off
(3) h am per s, wit h drawn
(4) decrease, stopp ed
(5) redu ces, can cell ed
108. Th e on ce ____ dist rict i s grad u -
al ly bein g ___of i ts green cover.
(1 ) rem ot e, erod ed
(2) ar id, rep len ish ed
(3) beau tifu l, devoid
(4) pi ctu r esqu e, dep let ed
(5) lu sh , r ob
109. Th e pi l ot k n ew sh e wou l d b e
ab le to see th e ____ l igh ts of t h e
ci ty from h er cock pit wi n dow,
bu t sh e wou l d n ot see th e fir e-
work s ex plode to wel com e t h e
n ew year as she wou ld h ave ____
to cru isin g alti tu de.
(1) few, soar ed
(2) di vin e, escalate
(3) glisten in g, ju m ped
-60-

(4) sh i n in g, reach ed
(5) glitt erin g, cl im bed
110. Th e New Year h as ______ i n
good news for city h otels as m ost
p roper ti es ar e _______ for th e
wh ole m on th .
(1) br ou gh t, desert ed
(2) u sh ered, pack ed
(3) pu sh ed , fu ll
(4) st eer ed, ren ovati n g
(5) escor ted , vacan t
Di r ec t i o n s (1 1 1 –1 1 5 ) : Each
qu est ion below h as two b lan k s, each
bl an k in dicati n g t h at som et h in g h as
been om itted. Ch oose th e set of words
for each b l an k wh i ch b est fi t s t h e
m ean i n g of th e sen ten ce as a wh ol e.
(Al l ah abad Ban k PO Ex am . 17. 04. 201 1)
111. Th e su n h as con st an t l y b een
_____ an d reapp ear in g an d th at
h as got t h e tem perat u r e _____
over th e past t wo days.
(1) van ish i n g, con trol
(2) h idin g, flu ctu atin g
(3) appearin g, soar in g
(4 ) goin g, u n pr edi ctab le
(5) disappearin g, u nu su al
112. Th e teach er called u pon th e stu -
den ts to _____ in terest in scien ce
an d participate i n variou s orien -
tation p rogram m es in ord er to
_____ th eir sci en t ifi c sk ill s.
(1 ) tak e, learn
(2 ) pl ace, fu rth er
(3) devel op, h on e
(4 ) gen er ate, m ix
(5 ) en vi sion , sh are
113. Th e p oli ce com m issi on er m ay
_____ th e st at e govern m en t t o
cl ose five p oli ce stat ion s_____ of
poor i n fr ast ru ct u re an d bad l o-
cation .
(1 ) order, i n t h e ligh t
(2 ) r equ est, becau se
(3 ) ask , reason
(4 ) p lead , d u e
(5) com m an d, in lieu
114. Over on e l ak h asp i r an t s ____
th eir lu ck i n vari ou s exam in a-
tion s ____ to th e city on Su n day,
wh ich tu r n ed ou t to be a p eace-
fu l day.
(1 ) t ryi n g, fl ock ed
(2) attem ptin g, gath ered
(3) ch allen gin g, en tered
(4 ) seein g, ven tu r ed
(5 ) p lan n in g, assem bl ed
115. Th e si n ger certain l y ____ u p to
th e sk y h igh expectat ion s of h is
au d i en ce b y ____ t h em w i t h
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
som e of t h e biggest h i ts of h is
car eer.
(1 ) l ived , wooi n g
(2 ) gear ed, at tracti n g
(3) su m m ed , en ti cin g
(4) m et, sin gin g
(5 ) st ood , b elti n g
Di r ec t i o n s (1 1 6 –1 2 0 ) : Each
qu est ion below h as two b lan k s, each
bl an k in dicati n g t h at som et h in g h as
been om itted, Ch oose th e set of words
for each b l an k wh i ch b est fi t s t h e
m ean i n g of th e sen ten ce as a wh ol e.
(I n di an Ov er seas Ban k PO
Ex am . 2 2. 0 5. 20 11 )
116. Govern ments do n ot want to tak e
a decision an d resort to soft-ped-
alin g, delay tactics an d collu sion,
hopin g that the ju diciary will ____
in to rel ieve t h em of th e _____ of
decision -m ak ing.
(1 ) com e – en l igh t en m en t
(2 ) vou ch – tr ou b le
(3 ) b arge – pleasu re
(4 ) step – b u rd en
(5 ) vote – task
117. Th e m ost i m portan t factor is th e
_____ of a wealth y In dian m iddle
class which can n ow ____to sen d
th eir ch il dren abr oad for edu ca-
tion.
(1 ) em er gen ce – afford
(2 ) ad ven t – focu s
(3 ) d ecl in e – m an age
(4 ) ri se – wi sh
(5 ) p ercept ion – go
118. Crores of pu blic m on ey is____on
park s in th e city an d yet m ost of
t h em are ou t of _____ for t h e
pu blic.
(1 ) in vested – l im i ts
(2 ) sp en t – bou n ds
(3 ) bet – reach
(4 ) pu t – areas
(5 ) m ade – b ou n d ari es
119. Ru les are for t h ose wh o can n ot
_____ th em an d n ot for th e ri ch
an d in flu en t ial wh o can ____ to
ign ore th em .
(1 ) foll ow – d em an d
(2 ) set – opt
(3 ) b reak – su ggest
(4 ) fin d – ask
(5 ) ch al len ge – ch oose
120. Experts can n ot _____ en ou gh on
th e b en efit s of _____ m ore fru it
an d vegetables in you r daily diet.
(1 ) p ressu re – in volvi n g
(2 ) strain – addi n g
(3) em ph asize – con tribu t in g
(4 ) stress – i n cl u di n g
(5 ) st ate – m ixi n g
Di r ec t i o n s (1 2 1 -1 2 5 ) : Each
qu est ion below h as two b lan k s, each
bl an k in dicati n g t h at som et h in g h as
been om itted. Ch oose th e set of words
for each b l an k wh i ch b est fi t s t h e
m ean i n g of th e sen ten ce as a wh ol e.
(I DBI Ban k Of f i c er Ex am .1 6. 09. 201 2)
121. For t h e l ast th ree m on th s, t h e
den gu e ______ h as p u t sou t h ern
di stri cts on h igh aler t an d h as
been k eep in g local ad m in i str a-
tion s an d th e h ealth departm en t
on th eir ______ .
(1) ou tbreak – toes
(2) fever – h in ges
(3) ep idem ic – feet
(4) m osqu ito – gr ou n d
(5) di sease – beds
122. Th e n ew-age scooter i s perfect
______ j u st as a com m u t e option
for w om en , b u t i s fu n ct i on al
en ou gh for m en ______.
(1) veh icle–also (2) n ot – t oo
(3) for – well (4) n eith er – n or
(5) eith er – addition ally
123. Th e police ______ a gan g ______
in du pin g tele-ban k in g cu stom -
er s an d arr est ed 10 per son s.
(1) told – m asteri n g
(2) bu sted – special isi n g
(3) seized – i n n ovati n g
(4) cau gh t – dealin g
(5) ar rest ed – setti n g
124. Th e arrested person s were _____
in cou rt an d in ______ ju d ici al
cu stod y.
(1) dem an ded – p ersu ad ed
(2) qu est ion ed – sen t en ced
(3) tak en – left
(4) pr odu ced – rem an d ed
(5) sen t – k ept
125. Al l t h e sch ool stu d en t s ______
th e vicin ity wi ll be tak en t o t h e
n earby th eat res ______ th e fes-
tival.
(1) in – d u ri n g (2) on – for
(3) at – in (4) am on g – at
(5) ar ou n d – on
Di r ec t i o n s (1 2 6 –1 3 0 ) : Each
qu est ion below h as two b lan k s, each
bl an k in dicati n g t h at som et h in g h as
been om itted. Ch oose th e set of words
for each blan k th at best fits th e m ean -
in g of th e sen ten ce as a wh ol e.
(I BPS Sp eci al i st Of f i cer CWE
Ex am . 1 7 . 0 3 . 2 0 1 3 )
126. A pleth ora of cu ltu ral talen t ____
th e sp ect ators b u sy at a t alen t
-61-

h u n t program me wh ere stu dents
from vari ou s colleges get togeth -
er to ____ th eir m ett le in variou s
con t ests.
(1) tr ied, sh ow (2) k ept, prove
(3) cau gh t, pu zzle
(4) h eld, learn
(5) h elped, m en tion
127. Th e _____ of Ch i n ese p l ast i c
th read sh ou ld b e b an n ed as it
____ t h ou san d s of b ir ds ever y
year du ring the k ite flyin g season.
(1) sale, cri ppl es
(2) sell, k il ls
(3 ) sale, di stu r bs
(4) sell, disabl es
(5) sale, saves
128. Harish ____ wit h m e som e basic
tech n iqu es t h at on e can ___ at
h om e w i t h ou t even ow n i n g a
dr u m set.
(1) m ade, sh r ed
(2) im par ted , t ry
(3) learn ed, balan ce
(4) fi ts, rech earses
(5) sh ared, practi se
129. In th e p r esen t case, t h e fact s
cl ear l y ____ t h at t h e r equ i r ed
r eason abl e degr ee of car e an d
cau ti on was n ot ____ by h osp i-
tal in th e t reat m en t of th e p a-
tien t.
(1) refl ect , com pressed
(2) fi x, advan cem en t
(3) sh ow, proceed ed
(4) ob ser ve, con si der ed
(5) in di cate, t ak en
130. St u den ts fr om t h e Mid dle East
an d t h e Afri can cou n t ries h ave
____ been ____ con tri bu tors to
th e pool of foreign st u den ts in
th e u n iversit y.
(1) tradition ally, m ajor
(2) con servatively, cru cial
(3) su p risin gly, m ost
(4) in tu tively, salien t
(5) ann u ally, lu cid
131. Th e m in ister ___ abou t variou s
______ b ei n g p rovid ed b y offi -
ci als for t h e pilgrim s i n cl u di n g
direct ion wise colou r coded pas-
sen ger en closu res.
(1) ceased, fu n ction s
(2) en qu ired , facilit ies
(3) reli ed, opp ortu n i ties
(4) sh y, evi den ce
(5) ask ed, dei ty
132. It is ____ t o d rive in th e even i n g
an d n igh t wh en th e ____ of acci-
den ts loom s lar ge du e to n on -
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
fu n ction al streetligh ts.
(1) ju venile, plan n in g
(2) easy, ri sk
(3) in sti n cti ve, fam e
(4) di ffi cu lt , t h reat
(5) n atu ral, featu re
133. An overcast sk y m ade Su n d ay
l ess t h an _____ for ci t y r esi -
d en t s, w h o goi n g b y weat h er
ex per ts h ave m ore in ____.
(1 ) d ifficu lt, fate
(2) perfect, store
(3) h ol iday, sk y
(4) dream , sh ar in g
(5) st ead y, fram e
134. Man y teach ers ______ th e lack
of pr ofessi on al fr eed om as th e –
–––– for leavi n g th e job.
(1) ci ted , r eason
(2 ) expl ain ed, for ce
(3) claim ed, u n derstan din g
(4 ) ar gu ed , cu lpr it
(5 ) b eli eve, grou n d
135. Sk ept ics wou ld n ot _______th at
t h e ear t h act u al l y m oves, l et
alon e that it–––––arou nd the su n.
(1 ) perm i t, orbi ts
(2) accep t, revolves
(3 ) experien ce, ci rcl es
(4 ) assu m e, wen t
(5 ) ch al len ge, spi n s
Di r ec t i o n s (1 3 6 –1 4 0 ) : Each
qu est ion below h as two b lan k s, each
bl an k in dicati n g t h at som et h in g h as
been om itted. Ch oose th e set of words
for each b l an k wh i ch b est fi t s t h e
m ean i n g of th e sen ten ce as a wh ol e.
(I n di an Ov er seas Ban k PO
On l i n e Ex am . 01. 09. 201 3)
136. Mu ch of th e ____ th at cri ck et
h as i s d u e to th e fact i t i s a ____
sport.
(1) all u re, l u crat ive
(2) cri ticism , con t roversial
(3) attraction, u n popu lar
(4) fl ak , great
(5) com m en ts, u n u su al
137. Si n ce foggy weat h er _____ visi-
bility by several m etres, th e rail-
ways h as eit h er part ial ly ____
or divert ed som e of th e tr ain s.
(1) im proves, st art ed
(2) im pai rs, called off
(3) h am per s, wit h drawn
(4) decrease, stopp ed
(5) redu ces, can cell ed
138. Th e on ce ____ dist rict i s grad u -
al ly bein g ___of i ts green cover.
(1 ) rem ot e, erod ed
(2) ar id, rep len ish ed
(3) beau tifu l, devoid
(4) pi ctu r esqu e, dep let ed
(5) lu sh , r ob
139. Th e pi l ot k n ew sh e wou l d b e
ab le to see th e ____ l igh ts of t h e
ci ty from h er cock pit wi n dow,
bu t sh e wou l d n ot see th e fir e-
work s ex plode to wel com e t h e
n ew year as she wou ld h ave ____
to cru isin g alti tu de.
(1) few, soar ed
(2) di vin e, escalate
(3) glisten in g, ju m ped
(4) sh i n in g, reach ed
(5) glitt erin g, cl im bed
140. Th e New Year h as _____ in good
n ew s for ci t y h ot el s as m ost
properties are ____ for th e wh ole
mon th.
(1) br ou gh t, desert ed
(2) u sh ered, pack ed
(3) pu sh ed , fu ll
(4) st eer ed, ren ovati n g
(5) escor ted , vacan t
Di r ec t i o n s (1 4 1 –1 4 5 ) : Each
qu est ion below h as two b lan k s, each
bl an k in dicati n g t h at som et h in g h as
b een om i tt ed . Ch oose t h e wor d for
each blan k wh ich b est fi ts t h e m ean -
in g of th e sen ten ce as a wh ol e.
(I BPS Ban k PO/ M T CWE-I V,
18 .1 0.2 01 4)
1 4 1 . M an u fact u r i n g gr owt h acr oss
Asia, Eu r op e an d t h e Am er icas
eased in cu r ren t m on th as h eavy
p r i ce cu t t i n g f ai l ed t o r evi ve
_______, providi n g m ore eviden ce
th at a feebl e glob al econ om i c r e-
cover y m ay be _______ to a h al t.
(1) su p ply, gri n d
(2) dem an d, grin din g
(3) su ppl y, grou n din g
(4) dem an din g, grin d
(5) dem an ded, goin g
1 4 2 . Cr u d e oi l m ar k et s r ose aft er
_______ a five year low reb ou n d-
in g after data su ggested th at tu m -
bl in g pr ices m ay h ave st art ed to
affect _______ act ivi ty in th e fast
gr owi n g US sh al e oil in du str y.
(1) h it , dr ill
(2) h ittin g, drilled
(3) h ittin g, drillin g
(4) goin g, drilled
(5) tou ch in g, exh u min g
1 4 3 . In fact, th ere is a st ron g case to
p rom ot e l iqu or _______ i n h igh
qu ality factories u n der regu lation
so th at th e _______ of i llici t liqu or
an d h ooch goes down .
-62-

(1) produ ced, con su m ption
(2) m an u factu rin g, su pply
(3) produ ction , consu m in g
(4) gen erat ion , su p ply
(5) gen er ated , d em an d
1 4 4 . Th e gover n m en t ease foreign d i-
rect _______ n or m s for th e con -
st r u ct i on d evelop m en t sect or ,
wh i ch i s ex pected t o p r ovi d e a
_______ b oost t o t h e sect or i n
t er m s of greater for ei gn capi tal
in flows.
(1) in vest m en t, su bstan ce
(2) in ven tion , su bstantial
(3) in vestm en t, su bstan tial
(4) di vest m en t, m eagre
(5) in vestm en t, su perficial
1 4 5 . Th e b an k s were n at ion alised in
_____ to tak e bank in g to th e _____
cou n t ry an d all it s citi zen s.
(1) aim , wh ole
(2) or der, back ward
(3) or der ly, en t irely
(4) or der, en ti re
(5) vi ew, wh ol ly
Di r ec t i o n s (1 4 6 –1 5 0 ) : Each
qu est ion below h as two b lan k s, each
bl an k in dicati n g t h at som et h in g h as
b een om i tt ed . Ch oose t h e wor d for
each blan k wh ich b est fi ts t h e m ean -
in g of th e sen ten ce as a wh ol e.
(SI DBI Ban k Of f i c er Ex am , 03. 09. 201 4)
1 4 6 . Cassava gr ows _____ in Sou th
In dia, bu t h as on e problem : it
con t ai n s a t ox i n t h at m u st b e
_____ by lon g soak i n g in water.
(1) h ardl y, r em ove
(2) easy, rem ove
(3) easily, r em oved
(4) h ard, rem oved
(5) easi ly, rem oval
1 4 7 . A h u m an jou rn ey is _____ wh en
th ere is som eon e at th e door to
_____th em wh en th ey get at h ome.
(1) in com plet e, greet
(2) com plete, ign ore
(3) in com peten t, ign ore
(4) com plete, greet
(5) com plete, great
1 4 8 . An ad u lt reader is _____ for h is
tu tor to com e along and show him
h ow t o _____ a book .
(1) waitin g, h an dle
(2) wai t, h an dle
(3) wait, han dlin g
(4) wait in g, open
(5) waited , op en
1 4 9 . Op erat ion s i n st eel pl an t wh i ch
_____ a m aj or acci den t i s grad u -
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
al ly _____ back t o n orm alcy.
(1) su ffer, li m p (2) occu r, l im p
(3) su ffer, com i n g
(4) su ffered, li m pi n g
(5) su ffered , l im p ed
1 5 0 . Th e n ew govern m en t is _____ a
com p r eh en si ve r evam p of t h e
h ealth in su r an ce sch em e for t h e
poor in a m ove that will _____ fu r -
th er m an y peopl e.
(1) pr opose, loss
(2) proposin g, h arm
(3) pr oposin g, b en efit
(4) pr oposed, ben efit
(5) pr oposed, h arm
Di r ec t i o n s (1 5 1 –1 5 5 ) : Each
qu est ion below h as two b lan k s, each
bl an k in dicati n g t h at som et h in g h as
b een om i tt ed . Ch oose t h e wor d for
each blan k wh ich b est fi ts t h e m ean -
in g of th e sen ten ce as a wh ol e.
(Ban k of Bar od a J un i or M an agem en t
Gr ad e/ Scal e-I Ex am , 18 .0 4.2 01 5)
151. A n ew stu dy h as ______ th e fi ve
m ost com m on h ealt h i ssu es in
m en an d h ow to ______ th em .
(1) said, ar rest (2) stated , sh rin k
(3) revealed, pr even t
(4 ) ex posed, react
(5 ) laid, restri ct
152. ______ to th e ch al len ge of figh t-
ing dru g addiction, children h ave
______ u p th e task of spreadi n g
awaren ess again st d ru gs,
(1 ) Tak in g, set
(2) Respon d, tak en
(3) Respon din g, tak en
(4) Resol vin g, set
(5) Con tr ary, set
153. Th e n i gh t fabric can d o _______
for you r fram e an d as a ______
you r con fid en ce.
(1 ) won ders, con sequ en ce
(2 ) m arvels, si de
(3 ) good, pr ocess
(4) rem ark ably, fin ish
(5) su per b, r esu lt
154. Th e wh eat grain s d o n ot m eet
th e ______ stan d ard s ______ for
pr ocu rem en t of food grai n s by
th e gover n m en t agen cies.
(1 ) total , k ept
(2) m ost , m ean t
(3 ) excellen ce, al lowed
(4) optim istic, pl aced
(5 ) qu alit y, prescrib ed
155. St u den ts wil l be ______ on t h eir
r ead i n g an d wr i t i n g ab i l i t i es
th rou gh qu esti on pap ers ______
by th e gover n m en t.
(1 ) j u dged, assort ed
(2 ) k ept , set
(3 ) t est ed, provid ed
(4 ) eval u ated, ask ed
(5) calcu lated, assign ed
Di r ect i on s (1 5 6 –1 6 0) : In th e fol-
lowin g qu estion s, each sen ten ce h as
two blan k s, each blank in dicatin g th at
som eth in g h as been om itted. Ch oose
th e set of words for th e blan k s wh ich
best fits th e m ean in g of th e sen ten ce
as a wh ole.
(NABARD Of f i cer Gr ade ‘A’ On l i n e
Ex am , 01. 03.20 15)
156. Alth ou gh we _________ stiff com -
petition from cou n tries su ch as
th e Ph ilippin es, ou r BPO in du s-
tr y is st ill h u ge an d _________
h u n dreds of In dian s.
(1) face, em ploys
(2) experience, m ain tain
(3) prove, en gages
(4) witn ess, services
(5) n ote, h elps
157. A lan gu age is con sidered n early
_________ wh en on ly a few n a-
tive speak ers ____ it an d it is n o
lon ger bein g tau gh t to ch ildren .
(1) exh au sted, say
(2) abolish ed, speak
(3) extin ct, u se
(4) pass, treat (5) past, n eed
158. We _______ do n ot pay atten tion
t o t h e 3 0 m i n u t e gap s san d -
wich ed __________ two m eetin gs.
(1) seldom , in
(2) regu larly, m iddle
(3) frequ en tly, with in
(4) often , between
(5) atleast, amon g
159. _______ oth er ci ties wh ere lack
of edu cation or civic sen se m igh t
be on e of th e reason s th at m ay
h ave con tribu te to issu es related
to solid waste management, most
residen ts h ere are _______ of th e
pros an d con s.
(1) Un lik e, aware
(2) In con sisten t, consciou s
(3) Sim ilarly, k n own
(4) Con trary, carefu l
(5) Lik ewise, sen sible
160. The fact that Sau di Arabia _______
n early 10 m illion barrels of cru de
oil per day is n ot th e _________
reason it h as been call ed “t h e
Cen tral Ban k of Oil”.
(1) rem oves, alon e
(2) h arvests, ju st
(3) saves, solely
(4) yield, sin gle
(5) produ ces, on ly
-63-

SBI PO EXAMS
Di r ect i on s (1 –1 0 ) : Pi ck ou t t h e
m ost effect i ve wor d fr om t h e gi ven
words to fi ll in th e blan k to m ak e t h e
sen ten ce m ean in gfu lly com plete.
(SBI Associ at e Ban k s PO
Ex am . 1 4 .0 2 .1 9 9 9 )
1. Vi sion is u su al ly ___ m ost effec-
ti vel y wh en m an y d ifferen t ___
ar e u sed.
(1) developed – m an ifest ation s
(2) adap ted – or gan isat ion s
(3) com m u n i cated – veh icles
(4) ex h ib ited – for m s
(5) descr ibed – th ou gh t
2. Peopl e wh o h ave b een th rou gh
di ffi cu lt , p ain fu l an d n ot very __
ch an ge effor ts oft en en d u p __
both pessi m istic an d an gry con -
clu sion s.
(1) su ccessfu l – dr awi n g
(2) m ean in gfu l – proj ectin g
(3) reliable – evolvi n g
(4) st ron g – fol lowi n g
(5) ch allen gin g - lam en tin g
3. Th e h u m an m i n d is n ever ___ it
ad van ces or it ___
(1) absolu te – dim in i sh es
(2) dyn am i c – stops
(3) perfect – di sin tegrat es
(4) st ati on ar y – retrograd es
(5) h appy – d ecom poses
4. I f m i ser y i s t h e effect of i l l -
fortu n e, it ou gh t to be p iti ed if
of ___ t o b e ___
(1) vi rtu e – cr iti cised
(2) calam i ty – r ever en ced
(3) vi rtu e – protect ed
(4) vi ce – rever en ced
(5) vi rtu e – rever en ced
5. It wou ld be im possibl e for u s to
con ti n u e li vin g in th is wor ld if
each of u s ___ exact ly, wh at fate
h ad in __ for h i m .
(1) follow – pl an
(2) ap preciat e – str ategy
(3) design – an ticip ation
(4) vi su al ise – h idd en
(5) k n ew – store
6. It i s t h e __ of sel fi sh n ess for
m en , wh o fu l ly __ in th ei r own
case th e great advantages of good
ed u cat ion , to den y th ese advan -
tages to wom en .
(1) parody – dem an d
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
(2) h eigh t – ap preciate
(3) h ei gh t – assim il ate
(4) degree – ap preciate
(5) level – advan ce
7. Th e l ear n er sh ou ld be __ to tak e
a sm all fir st step on e t h at wi ll
pr ovi de im m ediate su ccess an d
___ t h e l ear n in g.
(1) en cou raged – r ein for ce
(2) forced – organ i se
(3) di rect ed – r eorgan i se
(4) cau tion ed – rein for ce
(5) en cou raged – ak n owled ge
8. His death __ m an y trib u tes t h an
h ave b een paid at t h e __ of an y
ot h er h u m an bei n g in h istor y.
(1) br ou gh t – passi n g
(2) di rect ed – h elm
(3) delivered – descri pti on
(4) in vited - livin g
(5) ack n owledged – prepetu ation
9. On ly with ex ecu tive __ can t h e
or gan i sat ion con cen trat e i ts en -
er gies on __ com pet iti ve advan -
tage over tim e.
(1) posi tion – em bar k in g
(2) deploym en t – d irecti n g
(3) con tin gen t – fabricat in g
(4) com m itm en t – su stain in g
(5) satisfaction – m ou ldin g
10. Al l t h e per form an ces of h u m an
art, at wh ich we look with praise
or won der, are ___ of th e rest-
less ___ of per ser ver en ce.
(1) m an i fest at i on s – p r on ou n -
cemen t
(2) project ion s – com pon en t
(3) in stan ces – for ce
(4) pr oofs – h u m an i ty
(5) vi sion s – fu tu re
Di r ect i on s (1 1 -1 5 ) : In each of th e
fol l ow i n g sen t en ces t h er e ar e t w o
b lan k spaces. Bel ow each sen ten ce
th ere ar e fi ve pai r of words den ot ed
by n u m ber s 1, 2 , 3 , 4 an d 5 . Fi n d
ou t wh ich pair of word s can be fill ed
u p in th e b lan k s i n t h e sen ten ce in
th e sam e sequ en ce t o m ak e th e sen -
ten ce m ean in gfu l ly com plete.
(SBI Ban k s PO Ex am . 2 0 .0 8 .2 0 0 0 )
11. He obj ect ed to t h e proposal b e-
cau se it was fou n d ed on a ____
pr in ci ple an d al so was _____ at
time.
(1) fau lty______desirab le
(2) im p erat ive______reason able
(3 ) wr on g_______in con ven ien t
(4) sou n d______acceptab le
(5) u n con form in g____deplorable
12. Th e crit eri on for _____ a p layer
sh ou l d b e h i s r ecen t p er for -
m an ce; b u t u n for t u n at el y, t h e
jou rn alists are ____ t o b e carri ed
away by ear lier su ccesses.
(1) con dem n in g____satisfyin g
(2) ju dgin g_____p ron e
(3) reveali n g_____relu ct an t
(4) eager_____acclai m in g
(5) criticisi n g_____clean
13. For t h e l ast h alf cen tu ry h e ____
h im self to pu blic affairs ____ tak -
in g a h oliday.
(1 ) by_____com m itt ed
(2 ) after_____offer ed
(3) devoted_____with ou t
(4 ) sacr ified_____aft er
(5 ) p rep ared _____b efore
14. You wi ll see sign s of _____ ev-
er ywh ere, wh ich sp eak wel l for
th e _____ of th ese peopl e.
(1 ) d ecorat ion - sen ses
(2 ) cl ear - debr is
(3 ) b eau ty - carefu l
(4) in du stry- p rosper ity
(5) rep airs - extravagan za
15. Th e police arrested Ram esh on a
_____ of th eft bu t for lack of ev-
id en ce ___ h i m .
(1 ) crim e _____ im pri son ed
(2 ) p u n ish ed ____ com p lai n t
(3 ) l eft ____ con d iti on
(4 ) t ip ____ ab scon di n g
(5 ) ch arge ____ rel eased
Di r ec t i o n s (1 6 -2 0 ) : Each qu es-
ti on bel ow h as two bl an k s. Th er e are
five pairs of words below th e sen ten ce.
Each pair is n u m bered . Ch oose t h e
pair of word s wh ich can be fill ed u p
in th e b lan k s i n t h e sen ten ce i n t h e
sam e order so as to com pl ete th e sen -
ten ce m ean in gfu lly.
(SBI Ban k s PO Ex am . 1 1 .0 2 .2 0 0 1 )
16. Th i s b o ok i s r ea d ab l e, cl ear
an d ........r esear ch ed wi t h .......
detai led referen ces.
(1) fabu lou sly, in tricate
(2) m eticu lou sly, exten sive
(3) lei su rel y, com pl ete
(4) h ardly, n otion al
(5 ) closely, scat ter ed
17. Th e in t erest h as..... in n ovati on
relat ed to several sectors of .....
ph arm aceu tical bu sin ess an d in -
du st ry.
-64-

(1 ) accepted, sk elet al
(2 ) i n su red, fatefu l
(3 ) affect ed, plu m m eti n g
(4 ) restr ict ed, grown
(5 ) accel erated , b u rgeon i n g
18. Th e In dian h ospi tal ity in d u st ry
w h i ch h as b een ......... a p r o-
lon ged sl u m p is n ow en ter in g a
n ew ..... .. p h ase r ead y t o en -
h an ce profitabi lity.
(1) witn essin g, am bitiou s
(2 ) observin g, listless
(3 ) d em on st rat in g, effi cien t
(4 ) r ecoveri n g, debt
(5) su ccu m bin g, lean am e
19. Th e n ew p ol i cy seek s t o...... a
pr ocess of wid espr ead part icip a-
t ion of p eopl e ...... th e way for
m ore effecti ve im p lem en tation .
(1) am en d, open in g
(2) h alt, propellin g
(3 ) gen erate, p avi n g
(4) diagn ose, resu l tin g
(5) iden t ify, dith er in g
20. J ou rn ali sm i s a ....... for tru th , a
cr u sad e t o ....... i n j u st i ce an d
wr on g doin g.
(1) produ ct, li m it
(2 ) b oon , ju sti fy
(3 ) t ravesty, attack
(4 ) qu est , expose
(5 ) sear ch , opt im i se
Di r ect i on s (2 1 -3 0 ) : Pick ou t
th e m ost effect ive pai r of words fr om
th e given p air of wor ds to m ak e t h e
sen ten ce/ s m ean in gfu lly com plet e.
(SBI Ban k PO Ex am . 1 8 .0 5 .2 0 0 3 )
21. Wh en i n t er p er son al p r ob l em s
_____ bu t ar e n ot dealt with , t h e
organisa-tion ’s produ ctivity in evi-
tably ______.
(1 ) su rface ....... develops
(2 ) focu s ...... i n cr eases
(3 ) establi sh ...... projects
(4 ) d evelop ..... exh ibi ts
(5 ) exist ..... di m in ish es
22. Par t i ci p at i ve m an agem en t , i n
wh ich everyon e h as ______ in to
a d eci si on t h at a l ead er t h en
m a k es , i s a m ec h a n i s m f o r
______ em p loyees.
(1 ) sh are ...... p rotecti n g
(2 ) valu e ...... t h warti n g
(3 ) m otivati on ..... in volvi n g
(4 ) r eward ..... sti m u l ati n g
(5 ) i n pu t ..... em poweri n g
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
23. Lack of ______ i s b asi c to good
team work bu t ou r ability to work
w i t h ot h er s d ep en d s on o u r
_____.
(1 ) r igid ity ...... com patib ili ty
(2 ) dogm at ism ..... m oti vati on
(3 ) p r o f es s i o n a l i s m .....
vu ln erability
(4 ) p osi tivism ........ flexib ili ty
(5 ) con si der ati on ..... acu m en
24. Com p lete th e con stan t open n ess
is a n ot ion th at can be _____ to
ab su rdi ty. Am I ______ to st op
everyon e on th e street an d tell
t h em m y r ea c t i o n t o t h ei r
ap pear an ce ?
(1) con sign ed ...... com m u n icated
(2 ) r edu ced ...... requ ir ed
(3 ) attri bu t ed ..... requ est ed
(4 ) p roj ect ed ...... destin ed
(5 ) su bj ect ed ...... con fin ed
25. Wh en organ isati on s _____ crea-
ti vit y an d r isk tak in g, t h e u su al
m eth od of m ain tain in g order an d
_____ are in deed sh ak en .
(1 ) en cou rage ..... decor u m
(2 ) exh i bit ..... du rab ili ty
(3 ) p rop ose .... h u m ili ty
(4 ) en h an ce ...... su pp ly
(5 ) p ropagat e ..... p rodu cti on
26. Wh en I am an au t ocr at , I am
_____ in th e ext rem e. My d irect
m eth od i s t o ______ p ower an d
con trol.
(1 ) p erfecti on i st ....... ex plore
(2 ) au tocrat ic ..... en gu lf
(3 ) d om i n at in g ...... seek
(4 ) p ossessive ...... r eject
(5 ) elab orate ....... devel op
27. Th e fear _______ with feelin g i n -
com petan t is the fear of being hu -
m ilitated, em barrassed an d ____.
(1 ) en dowed ...... cr iti cized
(2 ) affli cted ..... down tr odd en
(3 ) con sist en t ..... dam aged
(4 ) associat ed ..... vu ln erab le
(5 ) i m bu ed ...... ex posed
28. G o p a l w a s f r u s t r a t ed w i t h
Su n d ar wh o wou l d n ot ______
h i m sel f t o a dead l i n e. Su n d ar
cl ai m ed h e w as wor k i n g w el l
wit h ou t a deadl i n e, bu t Gopal
_____ an d fin ally pr evailed.
(1 ) en cou rage ....... en forced
(2 ) i n cu l cat e ..... or der ed
(3 ) cooperat e ...... stipu lat ed
(4 ) com m it ....... p ersist ed
(5 ) d eclare ...... pr essu rized
29. I am n ot easily _____ b y pressu re
th at wou ld i n ter fere with accom -
pl ish in g th e goals of m y u n it. I
st ick wi th m y _____.
(1 ) p essim i sti c ...... views
(2 ) swayed ...... con viction s
(3 ) d i s c o u r a ged ......
ach ievem en ts
(4) em powered ....... organ ization
(5 ) dem u r red ...... pr ojection s
30. Coerci on som etim es leads t o t h e
______ of sh ort-ter m goals, b u t
it s d rawback s for ______ it s ad-
van tages.
(1 ) r eali sat ion ....... d am age
(2 ) appr eci ati on ..... p ercolate
(3) accom plishm en t ..... ou tweigh
(4 ) ach i evem en t ..... cr u m b le
(5 ) d esti n at ion ...... m agn i fy
Di r ect i on s (3 1 -3 5 ) : In each of
th e followin g sen ten ces t h er e ar e t wo
b lan k spaces. Bel ow each sen ten ce
th ere are fi ve pair s of word s den ot ed
by n u m bers (1), (2), (3), (4) an d (5 ).
Fi n d ou t wh ich pai r of word s can be
fil led u p in th e blan k s in th e sen ten ce
in th e sam e sequ en ce to mak e th e sen -
tence gram matically correct and m ean-
in gfu lly com p lete.
(SBI PO Ex am . 0 9 .0 1 .2 0 0 5 )
31. Pu b l i c a n n o u n c em en t s o f
............. b y th e Govern m en t is
con si der ed as ............. of code
of con du ct d u rin g t h e pre-elec-
ti on p eriod.
(1 ) freebies .... app easem en t
(2 ) favou rs .... viol ati on
(3 ) p olicies .... h on ou r
(4 ) p rovi sion s .... i m positi on
(5 ) m an ifest s .... breach es
32. Ger m an y h ad b een a n at i on
............. in on e cou n tr y of n u -
m erou s st ates wh ich h ad a com -
m on l an gu age an d .............
(1 ) assem bl ed .... di alect
(2 ) assim ilated .... scri pt
(3 ) em bed ded .... civilisati on
(4 ) u n it ed .... tr adi tion s
(5 ) form ed .... code
33. T h o u gh t h e c o u n t r y h a s
............. free m edical ser vice for
th e p oor, i t is .............
(1 ) stop ped .... u n affor dab le
(2 ) r en dered .... essen ti al
(3 ) m ain tai n ed .... adm i rab le
(4 ) favou red .... app reciab le
(5 ) i n sti tu t ed .... i n adequ ate
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34. If cr im i n al s are ............. to join
el ect oral fr ay, ............. i s l ik ely
to in crease.
(1 ) com pelled .... br oth erh ood
(2 ) en cou raged .... h arm on y
(3 ) allowed .... extorti on
(4 ) d eterred .... corru pti on
(5 ) i n vi ted .... voti n g
35. Th e r ecen t ly ............. Ol ym pi c
Gam es ex p er i en ced som e u n -
h ealt h y p ractices ............. to by
few ath l etes.
(1 ) con cl u ded .... resort ed
(2 ) fin ish ed .... preferr ed
(3 ) h eld .... exh i bit ed
(4 ) over .... ad h er ed
(5 ) closed .... devou r ed
Di r ect i on s (3 6 -4 0 ) : In each of th e
fol l ow i n g sen t en ces t h er e ar e t w o
b lan k spaces. Bel ow each sen ten ce
th ere ar e fi ve pai r of words den ot ed
by n u m ber s 1, 2 , 3 , 4 an d 5 . Fi n d
ou t wh ich pair of word s can be fill ed
u p in th e b lan k s i n t h e sen ten ce in
th e sam e sequ en ce t o m ak e th e sen -
ten ce m ean in gfu l ly com plete.
(SBI PO Ex am . 2 6 .1 1 .2 0 0 6 )
36. He obj ect ed to t h e proposal b e-
cau se it was fou n d ed on a ____
p r i n ci p l e an d al so was ___ at
time.
(1 ) fau l ty ______d esi rab le
(2 ) im per ati ve ______r eason ab le
(3 ) wron g _______i n con ven ien t
(4 ) sou n d ______accep tab le
(5) u n con form in g ____deplorable
37. Th e crit eri on for _____ a p layer
sh ou l d b e h i s r ecen t p er for -
m an ce; b u t u n for t u n at el y, t h e
jou rn alists are ____ t o b e carri ed
away by ear lier su ccesses.
(1) con dem n in g____satisfyin g
(2) ju dgin g_____p ron e
(3) reveali n g_____relu ct an t
(4) eager_____acclai m in g
(5) criticisi n g_____clean
38. For t h e l ast h alf cen tu ry h e ____
h im self to pu blic affairs ____ tak -
in g a h oliday.
(1 ) by_____com m itt ed
(2 ) after_____offer ed
(3) devoted_____with ou t
(4 ) sacr ified_____aft er
(5 ) p rep ared _____b efore
39. You wi ll see sign s of _____ ev-
er ywh ere, wh ich sp eak wel l for
th e _____ of th ese peopl e.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
(1 ) d ecorat ion - sen ses
(2 ) cl ear - debr is
(3 ) b eau ty - carefu l
(4) in du stry- p rosper ity
(5) rep airs - extravagan za
40. Th e police arrested Ram esh on a
_____ of th eft bu t for l ack of evi-
den ce ___ h i m .
(1 ) crim e _____ im pri son ed
(2 ) p u n ish ed ____ com p lai n t
(3 ) l eft ____ con d iti on
(4 ) t ip ____ ab scon di n g
(5 ) ch arge ____ rel eased
Di r ect i on s (4 1 –4 5 ) : Pick ou t th e
m ost effecti ve pair of words from t h e
gi ven p ai r of w or d s t o m a k e t h e
sen ten ce/ s m ean in gfu lly com plet e.
(SBI Asso ci at e Ban k s PO
Ex am . 0 7 .0 1 .2 0 0 7 )
41. Of al l t h e p r ob l em s t h at h ave
............... h u m an bei n gs sin ce
th e begin n in g of recorded h istory.
perh ap s th e m ost sign ifician t h as
b een t h e............ of t h ei r ow n
n atu re.
(1) en c o u n t er ed .............
im portan ce
(2) p er pl exed ............. valu e
(3) qu est ion ed ............. scop e
(4) con fr on t ed ............. r id dl e
(5) d ir ected ............. i ssu e
42. Self-con cep t an d self-esteem are
cru ci al t o person al an d pr ofes-
si on al effect i ven ess b ecau se i f
th ey are n ot fu lly ............., I m ay
act in m ysti fyin g an d som etim es
............. way s.
(1) posit ive ............. destru cti ve
(2) devel oped ............. p roacti ve
(3) n u r tu red ............. r eact ive
(4) n ou r ish ed ............. li st less
(5) devi sed ............. vu ln er ab le
43. A k ey f ac t o r i n .. .. . .. .. .. .. a n
effective an d fu lfill in g life i n ou r
com pl ex soci ety is th e ab ili ty to
............. con trol over ou r action s.
(1) ach ievin g ............. ex er t
(2) ob tai n in g ............. en ergi ze
(3) pr oj ecti n g ............. rest rain
(4) providin g ............. adm on ish
(5) expressin g ............. with h old
44. A th eor y i s ............. eval u at ed
t o t h e d egr ee th at i t s con cept s
.......... t o t h em sel ves a veri fica-
tion by indepen dent in vestigators.
(1) cr iti cal ly ............. pertain
(2) posi ti vely ............. l en d
(3) ob vi ou sly ............. yield
(4) al arm in gl y ......... in tr odu ce
(5) deligh tfu lly ............. su bm it
45. I t i s o ft en t h e ... .... .... .. t h at
everyon e agrees abou t objectives;
th e d isagreem en t ............. abou t
ex a c t l y h o w t h ey a r e t o b e
ach i eved .
(1) view ............. fol l ows
(2) si tu ation ............. tal k s
(3) m at t er ............. p r oj ect s
(4) h appen in g ............. m atters
(5) case ............. ar ises
Di r ect i on s (4 6 –5 0 ) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k t h at best fits th e m ean i n g
of th e sen ten ce as a wh ol e.
(SBI Assoc i at es Ban k Po
Ex am . 0 7. 03. 201 0)
46. A con trover sial pl an to bu i ld an
i m m en s e d a m i n B r a zi l ’s
r ai n for est was st al l ed wh en i t
_____ a form idable bloc of ______
i n ecol ogi st s an d i n d i gen ou s
tr ibes alik e.
(1) r esu lted, h ostili ties
(2 ) gain ed, su pporters
(3 ) at tracted, opp on en ts
(4 ) l ead , pr otesters
(5 ) d rew, pr opon en ts
47. Accor d in g t o a r ecen t su r vey,
sal es fi gu r es of h i gh en d car s
h ave seen an _______ growth in
th e past year, wh ich sh ows th at
In dian con su m er s h ave _______
th e i m pact of r ecession .
(1 ) u n pr eceden t ed, n egat ed
(2 ) u n believabl e, su ffer ed
(3) u n u su al, worsen ed
(4) in sign ifican t, en du red
(5 ) adequ ate, p roven
48. Th e Nat ion al Kn owled ge Com -
m i ssi on h as said t h at In dia wi ll
h ave to b rin g ______ in edu ca-
ti on i f i t h as t o em er ge as t h e
m ost ___ wor k for ce of th e wor ld.
(1 ) ch an ges, bi ggest
(2 ) refor m s, tal en t ed
(3) alleviation, sk illfu l
(4) qu ality, bri gh ter
(5) ou t com es, d em an ded
49. Norway h as stol en a m arch over
ot h er d evel op ed cou n t r i es b y
______ th at it wou ld redu ce 40%
of its gr een h ou se gas em ission s
b y 2 0 2 0 an d _______ car b on
n eu tr al by 203 0.
-66-

(1) allowing, tu rn (2) posin g, grew
(3) estim at in g, exist
(4 ) p erceivi n g, ar isi n g
(5 ) declarin g, b ecom e
50. Accord in g to t h e l an gu age ex -
perts, ch ildren sh ou ld begin talk -
ing in th eir moth er ton gu e rath er
th an foreign lan gu age wh ich can
_____ affect th eir compreh ension
ab ili ties leadi n g to seri ou s lan -
gu age based ______ later in th eir
lives.
(1) significan tly, abilities
(2) appropriately, ach ievem en ts
(3) sever ely, ad van tages
(4) ad ver sel y, problem s
(5) positi vel y, issu es
Di r ect i on s (5 1 –5 5 ) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k t h at best fits th e m ean i n g
of th e sen ten ce as a wh ol e.
(SBI & Rur al Busi n ess PO
Ex am . 1 8. 04. 201 0)
51. Dr awin g atten tion to th e pi tfal ls
of_______ solel y on Uran i u m as
a fu el for n u clear react ors, In -
dian scien tists warn ed th at Ura-
n i u m will n ot last for lon g an d
t h u s r esear ch on Th or i u m as
it s______ m u st be revived.
(1) u si n g, su bstit u te
(2) bel ievi n g, repl acem en t
(3) depen d in g, r eser ve
(4) reck on in g, opt ion
(5) rel yin g, alt ern at ive
52. In an effort to pr ovi de______ for
h i gh er edu cati on t o all, m ost of
th e u n iversi ties h ave been pr o-
vi d i n g ed u cat i on wi t h ou t ad -
equ a t e i n f r as t r u c t u r e, t h u s
ch u rn in g ou t ____ grad u ates ev-
er y year.
(1) ch an ces, fresh
(2) pl atform , capab le
(3) opportu n ities, u n em ployable
(4) pr osp ect s, eli gib le
(5) policy, in com p eten t
53. Th e m ove to al low du m pi n g of
m er cu r y_____ an ou t cr y fr om
r esi den ts to th e ar ea wh o____
th at h igh l evels of m ercu ry wi ll
affect th eir h ealth an d destr oy
ecologically sen sitive forest area.
(1) resu lt ed, in si st
(2) pr ovok ed, fear
(3) in cit ed, deter m in ed
(4) activated , accept
(5) an gered b elieve
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
54. ______ h as been tak en again st
som e wh olesale d ru g deal ers for
dealing in su rgical item s withou t
a vali d l icen se an d m ain tain i n g
a stock of_______ d ru gs.
(1) Note, over wh elm i n g
(2) St ep, i m pr essi ve
(3) Ex ecu t ion , ou t dat ed
(4) Action , ex pir ed
(5) Lawsu i t, i n val id
55. Even as th e_______ el sewh ere in
th e worl d are stru gglin g to com e
ou t of recession, In dian con su m -
er s are spl u rgi n g on con su m er
goods an d to______ th i s gr owt h ,
com pan ies are in vesti n g h eavi ly
in variou s sector s.
(1) econ om ies, m eet
(2) cou n t ries, in h ib it
(3) govern m en ts, m easu re
(4) n ation s, in fli ct
(5) com pan ies, cou n t er
Di r ect i on s (5 6 -6 0 ) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k wh ich b est fi ts t h e m ean -
in g of th e sen ten ce as a wh ol e.
(SBI Assoc i at e Ban k s PO
Ex am . 0 7. 0 8. 20 11 )
56. Th e water tr an spor t p roject on
th e west coast i s ____ to get a
sh ot in th e arm with a n ew plan
in wh ich th e Road Developm en t
Corporation will bu ild th e in fra-
st ru ctu r e an d _____ a pr ivate
party to op erat e t h e ser vice.
(1) sch edu led – l et
(2) verge – p erm it
(3) set – san ction s
(4) sl ated – all ow
(5) bou n d – task
57. As t h e week en d fi n al ly roll ed
ar ou n d , t h e city folk were on ly
______ h ap p y t o set t l e d own
an d l au gh t h ei r cares ______
(1) ju st – afar (2) too – away
(3) ex trem ely – off
(4) very – u p (5 ) so – on
58. Th e flood of b rill ian t i deas h as
n ot only _______u s, bu t h as also
en cou raged u s to______ th e last
date for su b m ission of en t ries.
(1) overwh el m ed – exten d
(2) en joyed – st ret ch
(3) di sm ayed – d eci de
(4) scared – scr ap
(5) h ap py – bou n d ary
59. _______abou t p rol on ged power
cu ts in u rban areas, th e au th or -
ities h ave decided to ______ over
to m ore reliable an d eco-frien d-
ly system s to ru n it s p u m p s.
(1) Worried – sh i ft
(2) Fr an t ic – m ove
(3) Trou bled – ju m p
(4) Con cer n ed – swit ch
(5) En dan gered – cli ck
60. Th e h igh cu toff m ark s t h is year
h ave_______college adm issi on -
seek ers to eit h er _____for less-
er k n own col leges or ch an ge
th eir su bject p referen ces.
(1) cajol ed – ask
(2) pr essu red – sit
(3) forced – sett le
(4) st rain ed – com pr om i se
(5) en tru sted – wait
Di r ect i on s (6 1 -6 5 ) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k t h at best fits th e m ean i n g
of th e sen ten ce as a wh ol e.
(SBI Pr obat i on ar y Of f i cer
Ex am 2 8 .0 4 .2 0 13 )
61. What you wan t to digitalise a city
____ with m illion s, you don ’t bet
____ th e odd s.
(1) proceedi n g, i n to
(2) teem in g, again st
(3) u n dergoin g, adh ere
(4) dan glin g, for
(5) fall in g, above
62. Th e n u m bers ____ by th e legit i-
m ate on li n e m u sic ser vice pr o-
viders indicate that growing n u m-
b er of u ser s ar e ____ t o b u y
m u sic.
(1) m or ph ed, ign or in g
(2) lab elled, th rivin g
(3) fi gu red, fan at ic
(4) pain t ed, in ter est ed
(5) tou ted, willin g
63. If In dia is ____ on pr otectin g i ts
r esou r ces, i n t er n ati on al bu si -
n ess ap p ear s equ al l y ____ t o
safegu ard it s pr ofi t.
(1) dr ead ed, fr agi le
(2) st u bb orn , weak
(3) ben t, deter m in ed
(4) ap proach in g, settl ed
(5) ob sessed, p rep ar ed
64. Br an ds ____ decision -sim p lici ty
strat egies m ak e fu ll u se of avail-
ab le in form ation t o ____ wh ere
-67-

con su m ers are on th e path of
decision mak ing an d direct them
to th e b est m ar k et offer s.
(1) dilu tin g, divu lge
(2) temptin g, m ain tain
(3) im p u tin g, overdr ive
(4) pu rsu in g, assess
(5) em ployin g, tru st
65. Lack of fi n an cin g op ti on s, ___
wi th H R an d tech n ol ogi cal ____,
m ak e sm all an d m ediu m en ter -
pr ises sector th e m ost vu l n er a-
bl e com p on en t of ou r econ om y.
(1) except, loop h ole
(2) cou pled, ch al len ges
(3) ar m ed, ben efi ts
(4) register ed, st rat egi es
(5) st ren gth en ed , facil iti es
Di r ec t i o n s (6 6 –7 0 ) : In th e fol-
lowin g qu estion s, each sen t en ce h as
two b lan k spaces. From t h e pai rs of
words given , ch oose th e on e th at fi ll
th e b lan k s m ost ap propriatel y.
(SBI M an agem en t Ex ecu t i v e
Ex am . 2 3. 0 2. 20 14 )
66. Th eir ach ievem en t i n th e fi eld of
li ter atu re is describ ed as ____;
som et im es i t i s even cal led ___.
(1) m agn i ficen t, irrespon sible
(2) insignifican t, influ en tial
(3) sign ifican t, pal try
(4) u n im portan t, trivia
(5) si gn ifican ce, trivia
67. Th is sim p lified ____ to t h e deci-
si on -m ak in g process i s a m u st
read for an yon e ____ im portan t
real est ate, p erson al or pr ofes-
sion al decision s.
(1) prim er, m axim izin g
(2) tr act, en acti n g
(3) in trodu ction , u n der
(4) gu ide, faci n g
(5) gu id e, en act m en t
68. Ph ysi cian s m ay soon h ave ___
to h elp par alysed people m ove
th eir li m bs b y bypassin g th e ___
n erves th at on ce con trolled th eir
m u scles.
(1) in stru m en ts, detrim en tal
(2) ways, dam aged
(3) reason s, in volu n tary
(4) im pedim en t s, com plex
(5) in stru m en tal, dam aged
69. Th e argu m en t th at th e n eed for
a looser fiscal policy to ___ d e-
m an d ou tweigh s th e n eed to ____
bu dget deficits is persu asive.
(1) assess, m i n im i se
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
(2) ou tstrip, elim in ate
(3) stim u late, con trol
(4) restr ain , con ceal
(5) faci litate, h ide
70. Th e In ter n et is a m ed iu m wh ere
u ser s h ave n ear l y ___ ch oi ces
a n d ____ c o n s t r a i n t s ab ou t
wh ere to go an d wh at t o d o.
(1) u n balan ced, n on existen t
(2) em b arrassin g, n o
(3) u nlim ited, minimal
(4) ch ock in g, sh ock in g
(5) limited, m aximal.
Di rect i on s (7 1–75 ) : Pick ou t the
m ost effecti ve pair of words from t h e
given pair of words m ak e t h e sen t en c-
es m ean in gfu lly com plete.
(SBI Pr obat i on ar y Of f i cer On l i n e
Ex am , 2 1. 0 6. 20 14 )
71. Weat h er offi ci al s h ave ______
below-n or m al r ain s th is year. If
th e pr edi cti on s com e t ru e, farm
ou tpu t cou ld ______ as m ost of
In d i a’s far m l an d s d ep en d on
rai n wat er for i rrigation .
(1) forecast ed – sh ran k
(2) forecast – sh ran k
(3) forecast - sh ri n k
(4) pr edicted – expan d
(5) pr edi ction s – wan
72. I t i s t h e r ol e of t h e st at e t o
______ cri m e an d pr ot ect p eo-
pl e an d p rop ert y. If th e state is
u n ab le to preven t a crim e it falls
u pon the state to_____th e victim .
(1) pr even t – su pport
(2) pr even ti n g – en cou rage
(3) pr even t – su pporti n g
(4) forbi d – di scou rage
(5) forbid – discou r agi n g
73. A per son wh o is cl ean an d ti dy
in h ow h e dresses u p comm an ds
better ______ from th ose arou n d
him th an those who have a ______
an d u n k em p t appearan ce.
(1) respectfu l – sloven ly
(2) respect – sl oven ly
(3) respected – u n ti dy
(4) respect – ti dy
(5) respect – carefu l
74. Today we h ave ach i eved a m il e-
st on e by com plet in g 60 years of
in depen den ce. It ’s n ow th e ti m e
for everyon e or every In di an to
u n d er go _____ of th e ach i eve-
m en ts we already m ade an d also
th ose th at are to be stil l _____.
(1) self-in t rospection — ach iver
(2) self-ex m in ation — ach ieve
(3) in trospect ion — ach ieved
(4) search — fou n d
(5) cr oss-in sp ect ion — m ade
75. Edu cation is an essen tial m ean s
of ______ wom en with th e k n owl-
ed ge, sk ill s an d self-con fi den ce
n ecessar y t o fu lly ______ i n t h e
developm en t process.
(1) em power – in clu de
(2) em powerin g – participate
(3) em powered – p art ici pati n g
(4) em powerm en t – par ticipate
(5) stren gth en in g – participatin g
Di r ec t i o n s (7 6 –8 0 ) : In th e fol-
lowin g qu estion s, each sen t en ce h as
two blan k s. Each blan k in dicates th at
som et h in g h as b een om i tted. Ch oose
th e word s t h at best fit th e m ean i n g of
th e sen t en ce as a wh ol e.
(SBI Pr obat i on ar y Of f i cer On l i n e
Ex am , 2 8. 0 6. 20 14 )
76. As per th e p resen t ru les th e fac-
tory i n spector can ______ al l fac-
t or i es l ocat ed i n an ar ea t o
______ a day ot h er th an su n d ay
as th e week ly h ol iday.
(1) al low, declare
(2 ) allowed, declare
(3) pr oh i bit ed, declare
(4) all owin g, d eclare
(5) allow, d eclarin g
77. Wit h wom en part icip ation _____
sh arp ly in th e lab ou r force over
th e p ost decad e, t h er e i s a n eed
to im prove _____ for th em .
(1) in crease, facil iti es
(2) in creasin g, facili ties
(3) in creased , facil itate
(4 ) d ecrease, facil iti es
(5) decreasin g, en cou ragin g
78. Si x ty-si x year s after In d i a at -
tain ed i n d ep en den ce, t h e gov-
er n m en t h as fi n al l y ______ t o
ch an ge th e m easu re to est im ate
th e ou t pu t of a steam en gin e-
h orsepower t h at is bein g _____
si n ce th e B rit ish Raj.
(1) decide, u se
(2 ) decid ed, u si n g
(3) determ in ed , ou tdat ed
(4 ) d ecid ed, u sed
(5) deter m in ed, u si n g
79. Th e fam il y m em b ers of th e vi c-
ti m said th at th e victim was b e-
i n g ______ fr om ______ com -
plaint.
(1) proh ibited, m ak in g
-68-

(2) proh ibitin g, m ak in g
(3) tak en , m ade
(4 ) pr oh ib ited , m ade
(5) all owed , m ade
80. Th e n ew m an agem en t i s p r o-
clean lin ess an d will _____ all th e
em ployees wh o spit or sm ok e in
th e office ______.
(1) fi n ed , pr em i se
(2 ) fin e, pr em i se
(3) fi n e, prem ises
(4) talk , gr ou n d
(5) be talk in g, bu ildin g
Di r ect i on s (8 1 –8 5 ) : In each of
th e followin g sen ten ces t h er e ar e t wo
b lan k spaces. Bel ow each sen ten ce
th ere are fi ve pair s of word s den ot ed
by n u m bers (1), (2). (3), (4) an d (5 ).
Fi n d ou t wh ich pai r of word s can be
fil led u p in th e blan k s in th e sen ten ce
in th e sam e sequ en ce to mak e th e sen -
t en c e gr a m m a t i cal l y co r r ect a n d
m ean in gfu lly com plete.
(SBI Associ at es PO On l i n e
Ex am , 2 9. 1 1. 20 14 )
81. Liberalisation has removed all the
legal ____ an d ____ fl oodgates to
m u ltinational com panies.
(1) h u rdl es ____ award ed
(2) barri ers ____ open ed
(3) ob stacles ____ gu ard ed
(4) m an i pu lati on ____ closed
(5) battl es ____ t h r ew
82. Th e ____ on som e of th e town s
h as created ____ am on g th e res-
i den t s of t h e ot h er pail of th e
cou n try.
(1) attack ____am bition
(2) raid ____ awar en ess
(3) bom bard m en t ____ pan ic
(4) sp ell ____ sati sfacti on
(5) sh ower ____ d am p n ess
83. ____ t o t h e p opu lar belief th at
every ast rol oger n u rtu res bli n d
faith in fate, ou r ast rol oger b e-
li eves in ____.
(1) con tr ary ____ acti on
(2) accor din g ____ th ou gh ts
(3) bowin g ____ pr esen t
(4) pr ovi n g ____ forecasti n g
(5) poi n tin g ____ d evot ion
84. Hi s ____ h as fru it an d yi eld ed
h i m th e ____
(1) fate ____ u n desi rab le
(2) effort s ____ u n wan t ed
(3) action ____ viab le
(4) persever an ce ____ desir ed
(5) em ph asis ____ exp ect ed
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
85. His ____ con t ribu tion to th e tsu -
n am i rel ief fu n d was ____ b y h is
st aff m em ber s.
(1) m eager ____ ad m ir ed
(2) spon t an eou s ____ n u ll ified
(3) n egligi ble ____ san ction ed
(4) n oteworth y ____ im p roved
(5) gen er ou s ____ app reciat ed
Di r ec t i o n s (8 6 –9 0 ) : Each sen -
t en ce gi ven b el ow h as t wo bl an k s.
Each blan k in d icat es th at som eth i n g
h as b een om i tted. Ch oose th e word
th at best fi ts in th e m ean in g of t h e
sen ten ce as a wh ol e.
(SBI Associ at es PO On l i n e
Ex am , 3 0. 1 1. 20 14 )
86. _______ d in osau rs are bel ieved
to be th e an cestor s of m odern
bi rds, th e d iscovery of soft ti s-
su e in din osau rs fossils contain -
in g p rot ein s fou n d on ly in bir ds
is very ________
(1) Thou gh-u n fortu n ate
(2) Recen tly-com mon
(3) Sin ce-excitin g
(4) Perh aps-r em ark able
(5) Moreover -wel com e
87. Th e van Al lon belts wh ich are
______ b etween 130 00 to 600 00
k m ab ove t h e ear t h ’s su r face
wer e d i scover ed i n 1 9 5 8 an d
con t ai n el ect r on s wh i ch p l ay
______ wi th electr on i c system s
on satellit es.
(1) som ewh ere-dam ages
(2) located-h avoc
(3) position-mayh em (4)
situ ated-part
(5) vicin ity-approxim ate
88. Ri ce farm ers u se _______ m et h -
od s of far m in g an d old equ i p-
m en t s m ak in g th e cost of ri ce
_____ twi ce as m u ch as it is in
ot h er cou n tries.
(1) obsolete-econom ical
(2) m oder n -expen ssive
(3) fu tu re-virtu ality (4)
an tiqu ated-almost
(5) su stain able-approxim ate
89. Som e exp ert s b eli eve th at t h e
best ______ to red u ce th e n u m -
ber of acci den ts cau sed by dri v-
ers u sin g th eir m obi le ph on es to
cr eat e an “app” _________ com -
m u n i cation s wh en th e veh icle is
in m otion an d u n bl ock in g th em
wh en th e vehicle reach es its des-
tination .
(1) tactic-block
(2) strategy-disablin g
(3) part-facilitatin g(4)
decision -expeditin g
(5) m eth od-fu rth er
90. Ser vi ces p r ovi d ed b y m on ey
t r a n s f er c o m p a n i es ar e
_________ for peopl e wh o d o n ot
h ave ban k accou n ts or wh o are
work i n g far from h om e an d are
h el p fu l t o ______ t r ad e a d i s-
perse wealt h .
(1) fu n damental-compu te
(2) prerequ isite-in vigoratin g
(3) vitally-stren gth en
(4) essen tially-booster
(5) in h eren t-foster
RBI GRADE–B
OFFICER EXAMS
Di r ec t i o n s (1 –5 ) : In each of t h e
followin g qu estion s th ere is a sen ten ce
wi th a p air of bl an k sp aces, fol lowed
by fi ve pai r of words. Ch oose th e pair
th at can fill u p th e blan k s in th e sam e
ord er. Th e n u m ber of th at pair is you r
an swer.
(RBI Gr ade-B Of f i cer Ex am . 17. 11. 200 2)
1. Han dicrafts constitu te an impor -
tan t _____ of th e d ecen tralised
sect or of In di a’s econ om y an d
_____ employm en t to over six mil-
lion artisan s.
(1 ) factors — ai m s
(2 ) ex ten sion — plan s
(3 ) segm en t — provid es
(4 ) su pp lier — gives
(5 ) period — projects
2. Am on g a n u m ber of h obbies th at
on e can _____, t h e h ob b y of
readi n g i s t h e m ost u sefu l an d
_____
(1 ) d evel ops — accu m u l ati ve
(2 ) cu lti vat es — en ligh ten ed
(3) n ou rish — cu m u lative
(4 ) ab sor bs — du rab le
(5 ) con siders — appr eci ati ve
3. Th e qu al ity of _____ bet ween i n -
dividu als and the organ isation for
wh ich th ey work can b e_____ to
th e b en efit of bot h t h e par ties.
(1 ) services ______ eval u at ed
(2 ) in ter act ion ______ im p roved
(3) soph istication ____ developed
(4 ) work _____ app reciat ed
(5 ) l ife _____ con cep tu alised
4. Part of th e con fu sion in ou r so-
ci eties _____ from ou r p u rsu it of
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efficien cy an d econ om ic growth ,
in th e _____ th at t h ese ar e t h e
n ec es s a r y i n gr ed i en t s o f
p r ogr ess.
(1 ) stem s — con vi cti on
(2 ) d erives — evalu ati on
(3 ) em erges — con sider ati on
(4) obtain s — exploration
(5 ) ex ten ds — pl an n i n g
5. Th e p rob lem of h ou sin g sh or t-
age _____ with th e popu lation ex-
pl osi on h as also b een _____ by
th is p olicy.
(1 ) coped — h igh l igh t ed
(2 ) d isp en sed — ack n owl edged
(3 ) com p ou n ded — addr essed
(4 ) t h reaten ed — m an ifest ed
(5 ) p roj ect ed — d iscu ssed
Di rect i on s (6–10) : Pick ou t the most
effective pair of words from the given
pair of words to m ak e th e sen ten ce/
sen ten ces m ean in gfu lly com plete.
(RBI Gr ade-B Of f i cer Ex am . 200 7)
6. Many people tak e spiritu ality very
seriou sly an d ......... ab ou t th ose
wh o d on ’t , worr yin g abou t th em
an d ......... t h em to bel ieve.
(1 ) th in k ......... cr iticisi n g
(2 ) p ride ......... appraisi n g
(3 ) r ation al ise ......... en abli n g
(4 ) won d er ......... proddi n g
(5 ) p on der ......... ven t u ri n g
7. Un less n ew reser ves are fou n d
soon , th e worl d’s su p ply of coal
is bein g ......... in su ch a way th at
wi th d em an d con ti n u i n g t o gr ow
at pr esen t r ates, r eserves wi ll be
......... b y th e year 20 50
(1 ) con su m ed ......... com p let ed
(2 ) d epl eted ......... exh au st ed
(3 ) r edu ced ......... argu m en t
(4 ) b u rn t ......... d est royed
(5 ) u t ili zed ......... per ish ed
8. If you are a ........., you ten d to
respon d to str essfu l sit u at ion s,
i n a cal m , secu r e, st eady an d
....... way.
(1 ) r esi lien t ......... rat ion al
(2 ) obdu rat e .........m an ageab le
(3 ) pr opi tiou s ......... stab le
(4 ) d electab le ......... flexib le
(5 ) su pporti ve ......... positi ve
9. Man agem en t can be defin ed as
th e pr ocess of ......... organ iza-
ti on al goals b y work in g wi th an d
th rou gh h u m an an d n on -h u m an
r eso u r c es t o .. ... .. .. i m p r o ve
valu e ad ded to th e worl d.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
(1 ) getti n g ......... del iber ately
(2) m an agin g ......... pu rposefu lly
(3 ) t argetin g ......... criti cal ly
(4 ) r eali zin g ......... d ial ecti cal ly
(5 ) r each in g ......... con t in u ou sly
10. If you are an in trovert, you .........
to pr efer work in g al on e an d, if
p ossi b l e, w i l l ......... t owar d s
pr ojects wh ere you can work by
you rself or wit h as few p eop le as
possibl e.
(1 ) l ik e ......... d epart
(2 ) advocate ......... m ove
(3 ) t en d ......... gravitate
(4 ) expr ess ......... at tract
(5 ) feel ......... foll ow
Di r ec t i o n s (1 1 –1 5 ) : Pi ck ou t t h e
m ost effecti ve pair of words from t h e
gi ven pair of word s t o m ak e th e sen -
t en ce/ sen t en ces m ean i n gfu l ly com -
plete.
(RBI Gr ade-B Of f i cer Ex am . 200 8)
11. Th e t each er m u st ......... t h e
u n i qu e styl e of a l earn er i n or der
to ......... it to th e desir ed k n owl-
edge.
(1 ) advocat e ......... d irect
(2 ) p erp etu ate ......... devel op
(3 ) appreciate ......... focu s
(4 ) absorb ......... m ai n tain
(5 ) d iscover ......... h arn ess
12. Not all cou n tr ies ben efi t .........
fr om liberal isation . Th e ben efi ts
t en d t o . . . . . . . . . f i r s t t o t h e
advan taged an d to th ose with th e
righ t edu cation to be able to ben -
efit from t h e opportu n it ies pr e-
sen t ed .
(1 ) equ al ly ......... gen erate
(2 ) r ich l y ......... down grade
(3 ) su itably ......... ascri be
(4 ) u n iform aly ......... percolate
(5 ) j u di ciou sly ......... facil itate
13. H e h as ......... sen se of word s.
Th erefore, t h e sen t en ce h e con -
st ru ct s ar e always ......... wi t h
rich m ean in g.
(1 ) pr ofou n d ......... pregn an t
(2 ) d isti n gu ish ed ......... l oad ed
(3 ) t erri fic ......... tem pt ed
(4 ) m ean in gfu l ......... fu ll
(5) ou tstan din g ......... con sisten t
14. He was an ......... m u sician , h ad
been awarded th e Geor ge Med al
du rin g t h e secon d world war an d
.......with th e title of Rai Bah adu r.
(1) ou t st an d in g.........
popu larise
(2) u n deresti m ated .........
decl ar ed
(3) accom p lish ed .........
h on ou red
(4) im pr essive ......... assi gn ed
(5) ob du r ate ......... pr ocl aim ed
15. Wh et h er i t b e sh al l ow or n ot ,
com m i t m en t is t h e ........., t h e
bedrock of an y ......... lovin g r e-
lation sh ip.
(1) ex pression ........ perfu n ctory
(2) fou n d ation ......... gen u in ely
(3) m an ifest ati on ......... deep
(4) k ey ......... alarm in gly
(5) basis ......... absorbi n g
Di r ec t i o n s (1 6 –2 0 ) : In each of
th e foll owin g qu estion s, a sen t en ce/
passage is gi ven wit h two bl an k spac-
es. Th ree ph rases/ sen ten ces are gi v-
en below, two of wh ich can b e p laced
in blan k spaces to m ak e a m ean in gfu l
sen t en ce/ p assage. I f n on e of t h e
p h r ases/ sen t en ces i s ap p r op r i at e,
m ark (5) as th e an swer.
(RBI Of f i c er Gr ade ‘B’ On l i n e
Ex am . 2 5. 0 8. 20 13 )
16. We are ____ a gr eat ch em ical ex-
perim en t an d _____ to scientists.
A. li vin g i n t h e m id st of
B . som e ser iou s con sequ en ces
ar e becom in g app aren t
C. in th r eat of
(1 ) A an d B (2 ) A an d C
(3 ) B an d C (4 ) C an d B
(5 ) Non e of th ese
17. Th e en su r e ____ an d th u s faci l-
i t at e econ om i c gr owt h Ch i n a
____ Nort h Korea.
A. destabilisation of a flash point
B . a stable secu rity environm en t
wi th i n th e r egi on
C. pl ayed an active role in faci l-
itatin g negotiation s with
(1 ) A an d B (2 ) B an d C
(3 ) C an d A (4 ) A an d C
(5 ) Non e of th ese
18. In d i an cor p or at e l ead er s ____
gl ob al gi an ts ____ an d m ark et
sh are.
A. h ad d on e well stan di n g u p
B . a s t h ei r c om p an i es h av e
gr own in si ze
C. h ave don e well stan di n g u p
to
(1 ) A an d B (2 ) B an d C
(3 ) C an d B (4 ) A an d C
(5 ) Non e of th ese
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 FILL UP THE BLANKS (DOUBLE SPACE)
19. Every cou n t ry h as ____ for cit i- (3) accu sed, register ed 11. Th e n ews ab ou t th e ban k ........
zen s _____. (4) com p lain an t s, en t ered th rew th e fi n an cial m ark et in to
A. l ay d ow n c o m p r eh en s i v e (5) accom plices, in itiated a .........
ru les 5. Th e d em an d t o .... th e cu ltu re of (1 ) safety u ph eaval
B . laid down com p reh en sive se- th e city was lon g ... with th e Gov- (2) ch eatin g con fiden ce
ri es of p ractical r u les. er n m en t. (3 ) robbery su spicion
C. for r esolvi n g m u t u al con tr a- (1) pr eserve, pen di n g (4 ) frau d tu rm oil
di ctory righ ts an d in ter est s. (2) dem olish , lastin g 12. Th e western society is k n own for
(1 ) A an d B (2 ) B an d C (3) pr otect, disposi n g it s ........ wh ereas In d ian soci -
(3 ) C an d A (4 ) A an d C (4) ex plor e, ch erish ed ety i s ..........
(5 ) Non e of th ese (5) m aintain, layin g (1) con servatism strict
20. _____ th at t h e developed wor ld 6. Th ou gh t h e program m e was ... (2 ) perm i ssi ven ess rest ricti ve
____ of th e world ’s poor. sch ed u led for seven d ays, i t was (3 ) activen ess im passive
A. It is a m yth later .... t o fou r days. (4 ) waywardn ess su bm issive
B . al ready gives p len ty of aid (1) fin ally, deci ded 13. If you carry th is .......... att itu de
C. It was a m yth (2) origin ally, cu rtailed t o t h e c o n f er en c e, y o u w i l l
(1 ) A an d B (2 ) B an d C (3) in iti ally, resolved ........... an y su ppor ters you m ay
(3 ) C an d B (4 ) A an d C h ave at th is m om en t.
(4) u ltim ately, m ade
(5 ) Non e of th ese (1) tru cu len t alien ate
(5) form er ly, declar ed
(2) con ciliatory d efer
7. Many citizen s of th at cou ntry have
INSURANCE EXAMS ri sk ed death to .... becau se con - (3) u liqu itou s im pr ess
di tion s t h er e h ave gr own ver y.... (4 ) restr icti ve attr act
Di r ect i o n s (1 -1 0 ) : In each of th e
(1) li fe, wor se 14. Wh en I li sten ed to h is cogen t ar -
fol l ow i n g sen t en ces t h er e ar e t w o gu m en ts, al l m y ....... wer e ......
b lan k spaces. Bel ow each sen ten ce (2) escape, severe
an d I was forced t o agree wi th
th ere ar e fi ve pai r of words den ot ed (3) su r vival, p leasin g
h i s poin t of view.
by n u m bers (1), (2), (3), (4) an d (5 ). (4) save, b ad
(1) qu estion s u n an swered
Fi n d ou t wh ich pai r of word s can be (5) li fe, differen t
fil led u p in th e blan k s in th e sen ten ce (2) d ou bts con fi rm ed
8. Crocodile can live effortlessly both
in th e sam e sequ en ce to mak e th e sen - (3 ) sen ses stim u lated
... water an d ... lan d.
ten ce m ean in gfu l ly com plete. (4) d ou bts dispelled
(1) in to, t h e (2) wi th , over
(LI C Assi st an t Adm i n i st r at i v e Of f i c er 15. A nu m ber of jou rn alists an d len s
(3) wit h ou t, th e
(AAO) Ex am . 2 4.0 4. 200 5 ) m en wer e ........ b y t h e p ol i ce
(4) in sid e, above
1. If pu bli c sect or u n it s .. t o attain wh en t h ey wen t t o cover t h e
pr ofi t, th ey sh ou l d get ri d of ... (5) in , on .......... dr i ve of t h e St at e gov-
m easu res. 9. Bad m ovies wh ich h ave ..... t h e er n m en t.
(1) fail, h ealth y li fe-styl e on t h e you th sh ou ld be (1) attack ed vacu ou s
ban n ed.
(2) deter m in e, ch eap (2) com bated evacu ation
(1) ad ver sel y affect ed
(3) ex pect, stron g (3) assau lted eviction
(2) sever ely ch an ged
(4) decide, popu l ist (4) in frin ged dem olition
(3) gracefu lly u plifted
(5) tr y, m odern Di r ec t i o n s (1 6 – 2 0 ) : Each sen -
(4) u n cerem on iou sly evolved ten ce h as on e or t wo blan k s. Ch oose
2. Hi s .... at wor d i s t h e r esu lt of
h is... (5) dram atically ign ored th e word or set of words th at best com -
(1) con cen t ration , n egl igen ce 10. Can did ates h ave .... u sin g m al- pl etes th e sen t en ce m ean i n gfu ll y.
pr act ices i n t h e exam in ation b e- (LI C Assi st an t Adm i n i st r at i v e Of f i c er
(2) in du lgen ce, wastefu ln ess
cau se t h ey k n ow th ese can b e (AAO) Ex am . 0 7.0 6. 200 9 )
(3) di ligen ce, sin ceri ty .. . 16. He wen t t o t h e libr ary ........ to
(4) n egli gen ce, h on esty (1) resor ted to, ch all en ged fi n d th at it was cl osed.
(5) th ou gh tfu ln ess, apath y (2) pl an n ed, proved (1) seldom (2) n ever
3. Th e b ag was so ... th at h e cou ld (3) st arted, dan gerou s (3) only (4) solely
... carr y i t.
(4) st opp ed, det ect ed 17. Th e t ies th at b in d u s togeth er in
(1) sh abby, n ot (2) fu ll, seldom
(5) gi ven u p, fr u itfu l com m on act i vi t y ar e so ........
(3) bu lk y, n ever (4) filled, often th at th ey can d isappear at an y
Di r ect i on s (1 1 -1 5 ) : Each qu es-
(5) h eavy, h ard ly ti on h as a sen t en ce with two bl an k s. m omen t.
4. T w o o f t h e . . w er e ar r es t ed Fr om th e alt ern atives sel ect th e pair (1) ten tative (2) ten u ou s
again st wh om t h e p oli ce h ad .. a wh ich best com plet es th e gi ven sen - (3) con sisten t (4) rest ricti ve
com plaint. ten ce. 18. Her r eaction t o h i s p rop osal was
(1) pr ison er s, received (Un i t ed I n d i a I n sur an c e Co. ...... . Sh e rej ect ed it ..........
(2) cr im in als, en ter ed (AAO) Ex am . 1 1.0 3. 200 7 )
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-71-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310

(1) in evitabl e - veh em en tly
(2) su b tle - violen tly
(3) cl ever - abr u pt ly
(4) sym pat h etic - an grily
19. Hi s .......... dir ect ion s m isl ed u s
we did n ot k n ow wh ich of th e two
roads to tak e.
(1) com plicated (2) ambigu ou s
(3) n arrow (4) fan tastic
20. It wou ld be di fficu lt for on e so
.......... t o believe th at all m en are
equ al irr esp ect ive of caste, race
an d rel igion .
(1) emotion al (2) dem ocratic
(3) intoleran t (4) liberal
Di r ect i on s (2 1 –2 5 ) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om itt ed. Ch oose th e set of word s for
each blan k wh ich b est fi ts t h e m ean -
in g of th e sen t en ce/ s as a wh ol e.
(Un i t ed I n di a I n su r an ce AO
Ex am . 2 7. 0 3. 20 11 )
21. In h i s lat est book , t h e au t h or
gi ves a r eal _____ i n to th e su f-
ferin gs of i n dividu als wh o h ave
ex peri en ced th e loss of a loved
on e_____ to a ph ysi cal ill n ess.
(1) testim on y, own in g
(2) accou n t, att ribu te
(3) pr aise, foll owi n g
(4) in sigh t , owin g
(5 ) k n owl edge, n ew
22. Everyb od y h as h ad t h e flu at
som e poin t of t im e, with its ____
sym ptom s : ach es, chills, fatigu e
an d cou gh . So wh y is th e “bi rd
fl u ” _____ so m an y h eadli n es ?
(1) fam iliar, mak in g
(2) k n owin g, h ittin g
(3 ) sam e, t argeti n g
(4) sim ilar, cau se
(5 ) d rastic, toppi n g
23. Bollywood actor s m ay h ave set
th e stage on fire _____ th e rock
st ars from t h e In di an m u si c i n -
d u st r y _____ t h e h ou se d own
du rin g th e gala n igh t.
(1 ) as, bri n g (2 ) yet, san g
(3) for, took (4 ) an d, h ad
(5) bu t , brou gh t
24. In h is latest book an d docu m en -
tary, th e world ren own ed au th or
ex plai n s th at if we con tin u e to
_____ wh at we are doi n g t o ou r
pl an et , we ri sk ____ t h e v er y
fu tu re of ou r civilization .
(1 ) do, ap preciati n g
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
(2 ) i gn ore, destr oyi n g 29. To avoid ––––––, th ere i s a n eed
(3 ) secu r e, losi n g for ––––– plan n in g of th e project.
(4) establish , m ain ten an ce (1) can cel lati on , broad
(5) probe, qu estion in g (2) pr obl em , delib erate
25. Al th ou gh car bon di oxi de l evels (3) pi tfal ls, syst em at ic
are_____ al l over th e world , t h e (4) in con ven ien ce, con ven i en t
_____ ar e m ost ob vi ou s at t h e (5) losses, t em p orary
North an d Sou t h Poles, 30. A good m an agem en t wil l d eci de
(1) boom in g, explosion n ot on ly th e ––––––––– for equ ip-
(2 ) expl odin g, scen e m en t b u t al so i ts –––––––– for
(3 ) r isi n g, effects decidi n g p rior ities.
(4 ) firin g, con sequ en ces (1) n eed, u r gen cy
(5) spi llin g, d isaster (2) u sefu ln ess, u t ility
Di r ec t i on s (2 6 – 2 8 ) : Fi ll i n t h e (3) cost, val u e
bl an k s wi th app rop riate word s. (4) requ i rem en t, n ecessiti es
(Un i t ed I n d i a I n sur an c e AAO (5) tech n ology, m eth odology
Ex am . 0 3 . 0 6 . 2 0 1 2 ) 31. –––––– appears to be a sm al l er -
26. St ate h ospit alit y exten ded to a ror in th e beginning m ay tu rn ou t
vi sit in g for eign d ign ity is oft en to be a –––––––– i n t h e l on g ru n .
u sed symbolically to convey ____ (1) It , di sast er
m assages an d very often pom p (2) Wh at, b lu n d er
an d cer em on y ser ve t o _____ (3) Th at, debacle
sh ar p d ifferen ces.
(4) It , sl ip
(1 ) su bt le ____ m ask
(5) Wh at , in ci den t
(2 ) l ou d ____ cam ou flage
32. Bein g very ––––––– in n atu r e, h e
(3 ) sh ar p ____ h i de al ways u ses h is ––––––– sk ill s.
(4 ) i m portan t ___ accen tu ate
(1) adam an t, soft
27. If you carr y t h is _____ att itu de (2) pol ite, basic
to th e con fer en ce, you will _____
(3) h u m ble, experim en tal
an y su ppor ter s you m ay h ave at
(4) pu sh y, persu asi ve
th is m om en t.
(5) m i ld, aggressi ve
(1 ) con ci liator y ____ defer
33. Dem an d an d su pp ly d o n ot ––––
(2) u biqu itou s ___ im pr ess
th e sam e relation sh ip as th e on e
(3 ) aggr essive ____ ali en ate t h at –––––––– b et w een h ei gh t
(4 ) b ell igeren t ____ at tract an d weigh t.
28. Th is special p u rpose veh icl e for (1) possess, h as
in frastru ctu ral pr oject h as been
(2) in cu r, is
pr op osed t o im p ar t a _____ to
(3) defen d , volu n teers
su ch core sector proj ects as also
to en su re the com pletion of su ch (4) bear, bor n e
projects wh ich rem ain ed ____ on (5) h ave, exists
accou n t of pau cit y of fu n d s. 34. If th e system –––––– to yiel d t h e
(1 ) p u sh ____ i n con cl u si ve desired resu lt, try to ––––––– th e
wh ol e proced u re in t h e given se-
(2 ) t h ru st ____ st all ed
qu en ce.
(3 ) b reak th r ou gh _____ sh elved
(1) en ti tles, du m p
(4 ) fill ip ____ acti ve
(2) ign ores, rep rodu ce
Di r ect i on s (2 9 –3 8 ) : In each of
(3) fails, r eop erate
th e followin g sen ten ces t h er e ar e t wo
b lan k spaces. Bel ow each sen ten ce (4) im itat es, gen erate
th ere are fi ve pair s of word s den ot ed (5) equ ip s, en com pass
by n u m bers (1), (2), (3), (4) an d (5 ). 35. H e i s so –––––––– i n h i s ap -
Fi n d ou t wh ich pai r of word s can be pr oach th at n ot a sin gle poi n t
fil led u p in th e blan k s in th e sen ten ce ever––––––– h is at ten tion .
in th e sam e sequ en ce to mak e th e sen - (1) m eticu lou s, escap es
tence gram matically correct and m ean- (2) casu al, erod es
in gfu lly com p lete. (3) fan ati c, brin gs
(L I C Assi st an t Ad m i n i st r at i v e Of f i c er (4) delib erate, att racts
(AAO) Ex am . 1 2.0 5. 201 3)
(5) n asty, coi n cid es
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36. Gen er al l y, –––––––– st u d en t s
–––––––th ose wh o are m edi ocre.
(1) h u m ble, su rm ou n t
(2) m er itori ou s, su rp ass
(3) br igh t , overest im ate
(4) in t elli gen t , su rren der
(5) st u di ou s, respect
37. ––––––– an d ––––––– sh ou l d n ot
b e t ol er at ed i n o u r cou n t r y
wh ich boasts of ‘Ah im sa’ as i ts
way of life.
(1) Politick in g, election s
(2) Dish on ou r, effi cien cy
(3) Leth argy, procrasti n ation
(4) Nepoti sm , selfish n ess
(5) Hatred, violen ce
38. He ––––––– a wr on g act becau se
it was ––––––– for h im to do so
du e t o circu m st an t ial forces.
(1) com pelled, n ecessary
(2) refu sed, dan gerou s
(3) did, avoid able
(4) com m itted, in evitable
(5) sim plified , h arm fu l
Di r ect i on s (3 9 –4 8 ) : In each of
th e followin g sen ten ces t h er e ar e t wo
b lan k spaces. Bel ow each sen ten ce
th ere are fi ve pair s of word s den ot ed
by n u m bers (1), (2), (3), (4) an d (5 ).
Fi n d ou t wh ich pai r of word s can be
fil led u p in th e blan k s in th e sen ten ce
i n t h e sam e sequ en ce t o m ak e t h e
sen t en ce gram m ati cal ly corr ect an d
m ean in gfu lly com plete.
(Un i t ed I n di a I n sur an ce AO
Ex am . 2 6. 0 5. 20 13 )
39. To avoid_____, t h er e is a n eed
for _____ plan nin g of th e project.
(1) can cel lati on , broad
(2) pr obl em , delib erate
(3) pi tfal ls, syst em at ic
(4) in con ven ien ce, con ven i en t
(5) losses, t em p orary
40. A good m an agem en t will deci de
n ot only th e _____ for equ ipm en t
bu t al so its _____ for decidi n g
priori ties.
(1) n eed, u r gen cy
(2) u sefu ln ess, u t ility
(3) cost, val u e
(4) requ i rem en t, n ecessiti es
(5) tech n ology, m eth odology
41. _____ app ear s to be a sm al l er -
ror i n t h e begi n n i n g m ay tu rn
ou t to be a _____ in th e lon g ru n .
(1) It , di sast er
(2) Wh at, b lu n d er
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
FILL UP THE BLANKS (DOUBLE SPACE)
(3) Th at, debacle
(4) It , sl ip
(5) Wh at , in ci den t
42. Bein g ver y _____ i n n atu r e, h e
al ways u ses h is _____ sk ill s.
(1) adam an t, soft
(2) pol ite, basic
(3) h u m ble, experim en tal
(4) pu sh y, persu asi ve
(5) m i ld, aggressi ve
43. D em an d an d su p p l y d o n ot
_____ th e sam e rel ati on sh ip as
t h e on e t h at _____ b et w een
h eigh t an d weigh t.
(1) possess, h as
(2) in cu r, is
(3) defen d , volu n teers
(4) bear, bor n e
(5) h ave, exists
44. If th e syst em _____ t o yiel d t h e
desir ed resu lt , t ry to _____t h e
wh ol e p r oced u re i n t h e gi ven
sequ en ce.
(1) en ti tles, du m p
(2) ign ores, rep rodu ce
(3) fails, r eop erate
(4) im itat es, gen erate
(5) equ ip s, en com pass
45. He is so _____ in h is app roach
that not a sin gle poin t ever _____
h is atten tion .
(1) m eticu lou s, escap es
(2) casu al, erod es
(3) fan ati c, brin gs
(4) delib erate, att racts
(5) n asty, coi n cid es
46. G en er a l l y , _____ s t u d en t s
_____ th ose wh o are m edi ocr e.
(1) h u m ble, su rm ou n t
(2) m er itori ou s, su rp ass
(3) br igh t , overest im ate
(4) in t elli gen t , su rren der
(5) st u di ou s, respect
47. _____ an d _____ sh ou l d n ot be
toler ated in ou r cou n try wh i ch
boast s of ‘Ah i m sa’as it s way of
life.
(1) Politick in g, election s
(2) Dish on ou r, effi cien cy
(3) Leth argy, procrasti n ation
(4) Nepoti sm , selfish n ess
(5) Hatred, violen ce
48. He _____ a wron g act becau se
it was _____ for h i m to d o so
du e t o circu m st an t ial forces.
(1) com pelled, n ecessary
(2) refu sed, dan gerou s
(3) did, avoid able
(4) com m itted, in evitable
(5) sim plified , h arm fu l
Di r ect i on s (4 9 –5 3 ) : Each qu es-
tion below h as two blan k s, each blan k
in dicati n g th at som eth i n g h as been
om it t ed. Ch oose t h e wor d for each
bl an k wh ich best fits th e m ean i n g of
th e sen ten ce as a wh ol e.
(NI ACL Ad m i n i st r at i v e Of f i c er
(AO) Ex am , 10. 01. 201 5 )
49. Paren t s n eed to en cou r age th eir
ch ild ren to look ____ th e t rad i-
tional fields so that a passion can
be ______ in to a career.
(1) Beyon d, d evelop ed
(2) ou t side, m oved
(3) alon g, blossom
(4) besides, pu sh ed
(5) with in , m atu red
50. In an ____ t o save far m ers fr om
vagaries of Mon soon , th e govern -
m en t will soon ____ villages with
n earest sou rces of water.
(1) Even t, join
(2) effor ts, li n k
(3) en deavou r, assi gn
(4) attack , allot
(5) at tem p t, con n ect
51. ___ gr een an d bl ack tea ar e ob-
t ai n ed fr om t h e sam e p l an t ,
th ere are qu ite a few sign ifican t
di fferen ces ____ th em .
(1) Alth ou gh , attach in g
(2) si n ce, am on g
(3) However, in
(4) Th ou gh , b etween
(5) Becau se, across
52. Sp orts leagu es h ave ____ spor ts
li k e Kabaddi , footb all an d Ten -
n i s a leg u p b u t t h at m ay n ot be
____ t o t ran sfor m In di an spor t.
(1) Sen t, su ffi cien t
(2) th r own , am p le
(3) given , en ou gh
(4) set, m u ch
(5) sh own , adequ ate
53. Tim e an d again, worried analysts
h ave ____ of tr ou bl e, as d eb t–
laden an d spen d th r ift con su m -
er s ar e ____ t o r ei n i n t h ei r
spen din g.
(1) Th ou gh t , eager
(2) al arm ed, for ce
(3) won der ed, arm ed
(4) cau tion n in g, lik ely
(5) warn ed, u n wil lin g
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 FILL UP THE BLANKS (DOUBLE SPACE)
Di r ect i on s (5 4 –5 8 ) : Each qu es- 13.(3) 14.(4) 15.(5) 16.(2)
tion below h as two blan k s, each blan k SHORT ANSWERS
in dicati n g th at som eth i n g h as been 17.(5) 18.(1) 19.(3) 20.(4)
om it t ed. Ch oose t h e wor d for each 21.(5) 22.(3) 23.(1) 24.(3)
bl an k wh ich best fits th e m ean i n g of
NATIONALISED BANKS &
25.(4) 26.(2) 27.(3) 28.(4)
th e sen ten ce as a wh ol e. IBPS PO/MT/SO
(NI ACL Ad m i n i st r at i v e Of f i c er 29.(1) 30.(4) 31.(2) 32.(4)
(AO) On l i n e Ex am , 1 2.0 1. 201 5 ) 1. (3) 2. (1) 3. (1) 4. (3) 33.(5) 34.(3) 35.(1) 36.(3)
54. Th e Fi n an ce D ep ar t m en t h as 5. (2) 6. (4) 7. (2) 8. (1) 37.(2) 38.(3) 39.(4) 40.(5)
________ a cen t r al i sed on l i n e 9. (5) 10. (3) 11. (3) 12. (5) 41.(4) 42.(3) 43.(1) 44.(1)
dat aban k syst em for all statu to-
13. (2) 14. (2) 15. (1) 16. (2)
r y go v er n m en t b o d i es t o 45.(5) 46.(5) 47.(1) 48.(2)
_________ an eye on t h ei r assets 17. (2) 18. (3) 19. (4) 20. (3)
49.(5) 50.(4) 51.(5) 52.(3)
an d liabilities. 21. (5) 22. (4) 23. (1) 24. (2)
53.(2) 54.(4) 55.(1) 56.(5)
(1) pr esen ted , st ay 25. (4) 26. (3) 27. (1) 28. (2)
29. (5) 30. (4) 31. (3) 32. (1) 57.(1) 58.(1) 59.(4) 60.(3)
(2) in trodu ced, k eep
(3) an n ou n ce, m ak e 33. (5) 34. (5) 35. (4) 36. (1) 61.(2) 62.(5) 63.(3) 64.(4)
(4) cr eated, l et 37. (2) 38. (4) 39. (5) 40. (3) 65.(2) 66.(4) 67.(4) 68.(2)
(5) proclaimed, h old 41. (1) 42. (5) 43. (3) 44. (5) 69.(3) 70.(3) 71.(3) 72.(1)
55. More is ________ of con di tion s 45. (4) 46. (2) 47. (1) 48. (5) 73.(2) 74.(3) 75.(2) 76.(1)
of t h e t r ib al’s in Mah arash tr a 49. (3) 50. (4) 51. (5) 52. (3)
77.(2) 78.(4) 79.(1) 80.(3)
th an ______ con d iti on s of th ose 53. (2) 54. (4) 55. (1) 56. (4)
in th e ot h er par ts of th e cou n - 81.(2) 82.(3) 83.(1) 84.(4)
57. (3) 58. (1) 59. (2) 60. (5)
tr y. 85.(5) 86.(3) 87.(2) 88.(4)
61. (3) 62. (2) 63. (5) 64. (5)
(1) certai n , t h e 89.(1) 90.(1)
65. (4) 66. (4) 67. (4) 68. (1)
(2) k n own , of
69. (4) 70. (2) 71. (1) 72. (3)
(3) aware, of RBI GRADE–B
73. (2) 74. (1) 75. (2) 76. (3)
(4) favou rabl e, th ose
77. (1) 78. (4) 79. (2) 80. (5) OFFICER EXAMS
(5) u n certain , all
81. (2) 82. (5) 83. (1) 84. (5)
56. In a _______ t on e, t h e l ead er 1. (3) 2. (3) 3. (2) 4. (3)
m ade a p owerfu l _________ t o 85. (3) 86. (1) 87. (5) 88. (4)
89. (4) 90. (2) 91. (2) 92. (4) 5. (3) 6. (4) 7. (2) 8. (1)
th e m ob.
(1) real istic, zeal 93. (5) 94. (3) 95. (2) 96. (1) 9. (5) 10. (3) 11. (3) 12. (1)
(2) lower, con vi cti on 97. (2) 98. (1) 99. (1) 100. (1) 13. (1) 14. (3) 15. (2) 16. (1)
(3) lou d, argu m en t 101. (1) 102. (4) 103. (3) 104. (5) 17. (2) 18. (3) 19. (2) 20. (1)
(4) soft, appeal 105. (4) 106. (1) 107. (5) 108. (4)
(5) pit ch , statem en t 109. (5) 110. (2) 111. (2) 112. (3)
INSURANCE EXAMS
57. Th e govern m en t h as _________ 113. (2) 114. (1) 115. (1) 116. (4) 1. (1) 2. (3) 3. (5) 4. (3)
t h at th e in fr ast ru ct u r e for th e 117. (1) 118. (2) 119. (5) 120. (4) 5. (1) 6. (2) 7. (2) 8. (5)
n ew p roj ect m u st b e com p let ed 121. (1) 122. (2) 123. (2) 124. (4)
_____ t h e n ext si x m on th s. 9. (1) 10. (4) 11. (4) 12. (2)
125. (1) 126. (3) 127. (1) 128. (5)
(1) st ipu l ated, for 13. (1) 14. (4) 15. (3) 16. (3)
129. (5) 130. (1) 131. (2) 132. (4)
(2) san cti on , by 17. (2) 18. (3) 19. (2) 20. (3)
133. (2) 134. (1) 135. (2) 136. (1)
(3) assu r an ce, in 21. (4) 22. (1) 23. (5) 24. (2)
137. (5) 138. (4) 139. (5) 140. (2)
(4) m an dated, with in 25. (3) 26. (1) 27. (3) 28. (2)
141. (2) 142. (3) 143. (1) 144. (3)
(5) en visage, du r in g
145. (4) 146. (3) 147. (4) 148. (1) 29. (3) 30. (1) 31. (2) 32. (5)
58. Th e offici al n ot on ly _____ t h e
149. (4) 150. (3) 151. (3) 152. (2) 33. (4) 34. (3) 35. (1) 36. (2)
ren ewal of th e con tract bu t al so
_______ th e inform ation abou t its 153. (5) 154. (5) 155. (3) 156. (1) 37. (5) 38. (4) 39. (3) 40. (1)
st atu s. 157. (3) 158. (4) 159. (1) 160. (5)
41. (2) 42. (5) 43. (4) 44. (3)
(1) revealed , cl assifi ed
(2) wi th d rawn , l eak ed
SBI PO EXAMS 45. (1) 46. (5) 47. (5) 48. (4)
49. (1) 50. (4) 51. (4) 52. (3)
(3) delayed, wit h h eld 1.(4) 2.(1) 3.(4) 4.(5)
(4) in terfere, refu sed 5.(1) 6.(2) 7.(1) 8.(1) 53. (5) 54. (2) 55. (2) 56. (4)
(5) im p eded, exclu d in g 9.(4) 10.(4) 11.(3) 12.(2) 57. (4) 58. (3)

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-74-
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EXPLANATIONS
NATIONALISED BANKS &
IBPS PO/MT/SO
1. (3 ) F o c u s wh en u sed as Ver b
bears differen t m eanin gs. Bu t th e
m ean in g it con veys h er e is “to
con cen trate”
For ex am pl e,
(i ) I am so ti red I can ’t focu s (on
an yth in g) today.
(ii) Please focu s you r m in ds on th e
fol lowin g probl em .
App r eci at e (Ver b) m ean s u n der -
st an d an d en j oy (som et h i n g);
val u e h igh l y, u n derstan d (som e-
thin g) with sym path y, in crease in
valu e.
For ex am pl e;
(i ) You can ’t fu ll y appr eci ate for -
eign liter atu re in tran slati on .
(i i) I r eal ly appr eci ate a good cu p
of tea.
(iii) I appreciate you r problem, bu t
I don ’t th i n k I can h elp you .
(iv) Local property has appreciated
(i n valu e) sin ce th ey bu il t t h e
m ot orway n ear by.
So, we can u se appr ec i at e in th e
first gap an d fo cu s in th e secon d
gap t o m ak e th e sen ten ce m ean -
in gfu lly com p lete.
2. (1 ) Per co l at e (Verb ) m ean s pass
slowly t h rou gh .
Here in th e fi rst gap we can u se
equ al l y or u n i for m l y , bu t in th e
secon d gap we can ’t u se per c o-
l at e. In th e secon d gap, we can
u se gen er at e an d n oth in g else.
Hen ce, t h e an swer is (1 ).
3. (1 ) We can say, pr ofo u n d sen se
of words or ou tstan di n g sen se of
words. T er r i fi c m ean s frigh ten -
in g, wh ich raises t error. We can ’t
u se t er r i f i c, m ean i n gfu l or di s-
t i n gu i sh ed i n th e first gap.
Pregn ant wi t h (somethin g) means
fu ll of som eth i n g; lik ely to cau se
som eth in g.
For ex am pl e,
(i) pregn an t wi th j oy, m ean in g
(ii) pr egn an t wit h con sequ en ces,
dan ger.
So, we can u se th e word pr eg-
n an t i n t h e secon d gap. Hen ce
th e an swer i s (1 ).
4. (3 ) A c c o m p l i sh ed (Ad j ect i ve)
means
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(i) sk i l l ed : a n ac com p l i sh ed
dan cer, cook , p oet, et c.
(ii) well-train ed or edu cated in so-
ci al sk i lls su ch as con versa-
ti on , ar t, m u sic, et c.
For ex am pl e,
l an accom pl ish ed you n g lad y.
So, we can u se ac com pl i sh ed in
th e first gap.
Again , we u se “h on ou r ed with a
t i t l e”. H en c e w e sh o u l d u s e
h o n ou r ed i n t h e secon d gap.
5. (2) We can u se deep or gen ui n el y
in th e secon d gap.
Now , am on g f o u n d at i o n an d
m an i f est at i on , we sh ou l d u se
fo u n dat i on in th e fi rst gap.
Th is is du e to th e u se of bedr ock
in th e followin g part of th e sen -
ten ce. Hen ce the an swer is (2).
6. (4 ) Pr od som eb ody (in to/ doi n g
som et h in g) m ean s m ak e (a sl ow
or u n wi ll i n g per son ) d o som e-
th in g, u rge.
For ex am pl e,
Sh e i s a fairl y good wor k er, b u t
sh e n eeds proddin g occasion ally.
So, pr odd i n g can be u sed i n t h e
secon d gap.
7. (2 ) Depl et e (Ver b) m ean s r edu ce
gr eat ly t h e qu an ti ty, size, power
or valu e of (som eth in g).
For ex am pl e,
(i ) Ou r stock of food i s gr eat ly d e-
p let ed .
(ii) Th is expen se h as depleted ou r
fu n ds.
Ex h au st (Ver b ) m ean s u se u p
com pletely; mak e empty; tak e ou t
th e con ten ts of : exh au st a wel l.
For ex am pl e,
Th e m o n ey h e h a d , w as ex -
h au sted.
So, t h e an swer is (2 ).
8. (1 ) Resi l i en t (Adj ective) m ean s
(i) (of a n o b j ect o r m at er i al )
sp rin gin g back to its ori gin al
f o r m a f t er b ei n g b en t ,
s t r et c h ed , c r u s h ed , et c . ;
sp ri n gy.
(ii) (of a p er son or ch ar act er )
qu ick ly recoverin g from sh ock
o r d ep r es s i o n ; b u o y a n t :
ph ysically/ m en tally resilien t.
For ex am pl e,
Sh e i s very resili en t to ch an ge.
If som eon e can r ecover qu i ck l y,
we say h e is r esi l i en t . So, t h e
word r esi li en t can be u sed in th e
fi rst gap an d for th e secon d gap
the word rat i on al will not be u nfit
on e.
9. (5 ) For t h e fi r st gap , w e can
ch oose reali zi n g or reach i n g. Bu t
for th e secon d gap con t i n u ou sl y
is th e ap propriate on e. So, t h e
an swer is (5 ).
10. (3) Person wh o is m ore in terested
in h is own th ou gh t s an d feelin gs
th an i n t h in gs ou tside h im sel f,
an d is oft en sh y an d u n willin g to
speak or join in activities with oth-
er s is an i n t r o v er t .
Gr av i t at e (Verb ) m ean s m ove to-
wards or be att racted to som e-
body/ something gradu ally and ir -
r esi st i b l y; t u r n t o som eb od y/
som eth ig.
For ex am pl e,
(i) Wh en t h i s b eau t i fu l gi r l ar -
ri ved , al l t h e m en in th e room
gr avi tat ed t owards h er.
(ii) Th e con ver sat ion gravitated to
sport.
So, gr av i t at e m ean s at tract.
Hen ce, t en d an d gr av i t at e can
be u sed in th e first an d th e sec-
on d gap respectively to m ak e
th e senten ce mean ingfu lly com-
plete.
11. (3 ) In cessan t (Adj ect ive) = n ever
st opp in g ; con stan t
12. (5) Di lem m a (Nou n ) : pr ed ica-
m en t; a si tu at ion wh ich m ak es
problem s
pl agu e (ver b) : to cau se tr ou b le
over a period of ti m e
13. (2) In grain ed (Adj ect ive) = deep
rooted ; th at h as existed for a
lon g tim e
Sk ept i cal (Ad j ect i ve) = h avi n g
dou bt s t h at a claim is tru e.
14. (2 ) Pr eser vat i on = t h e act of
k eepi n g som eth i n g in good con -
dition
15. (1 ) u r ban i zed , role
16. (2 ) k n own ...........of
17. (2 ) gr ief ............... en j oy
18. (3 ) Lose you r tem per = to fai l/
m an age t o con tr ol you r an ger.
19. (4) soft .................. app eal
20. (3) d ar k ...........fr i gh ten ed
21. (5) Cu rb (Verb) = to con tr ol or
li m it som eth in g ; ch eck
Lack (Ver b) = to h ave n on e or
n ot en ou gh of som eth in g
22. (4) Di sbu rsem en t (Nou n ) = pay-
m en t of m on ey
23. (1) Sweep in g (Ad jective) = h av-
in g an im portant effect on a large
part of som eth in g.
24. (2) issu ed, ser vices
25. (4) cover s, u n d er
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26. (3) Pi tfalls (Nou n ) = a d an ger or
difficu lty
27. (1) n eed, u r gen cy
28. (2) Blu n der (Nou n ) = a st u pid or
carel ess m istak e.
29. (5) m i ld, aggressi ve
30. (4) bear, bor n e
31. (3) fails, reopr odu ce
32. (1) Meticu lou s (Adjective) = pay-
in g carefu l atten tion , fastid iou s.
33. (5) st u di ou s, respect
34. (5) Hatred (Nou n ) = a very stron g
feeli n g of dislik e.
35. (4) In evi tabl e (Adj ecti ve) = u n -
avoidable.
36. (1) Cite (Verb) = to mention som e-
th in g as reason .
37. (2) accep t, revolves
38. (4) beh aviou r, con clu sion
39. (5 ) Escape (Verb) = t o su ffer n o
harm .
40. (3) m atch , ch allen ge
41. (1) En d eavou r (Ver b ) = t o t r y
ver y h ar d t o d o som et h i n g ;
str ive
42. (5 ) l ead s, u n h ealt h y
43. (3) ob ser ved, on ly
44. (5 ) Gear u p = t o p rep are you r -
self t o d o som et h in g.
45. (4 ) Carry ou t = to do an d com -
pl ete a task .
46. (2 ) Seek (Verb) = t o t ry to obtain
som ething ; to ask for som ething.
Seek — sou ght (P) — Sou ght (PP).
47. (1 ) it sel f, cou p le
48. (5) m u ltiply, die
49. (3 ) in vit ed, aware
50. (4) Pau se (Verb) = to stop talk ing
or doing something for a short time
51. (5) san k , safely
52. (3) m an ages, sign ifican t
53. (2) reali zed, forgotten
54. (4) clim bed, you ngest
55. (1) cr eat e, rising
56. (4 ) Aboli sh (Verb) = t o official ly
en d a system .
Overl ap (Ver b) = t o cover part of
th e sam e ar ea of i n terest.
57. (3) Critici ze, far m in g
58. (1) availabl e, en h an ced
59. (2) Disbu rse (Verb) = to pay m on -
ey to som ebod y.
60. (5 ) com p rise, prepar ed
61. (3) Fi gu r e ou t = to th in k abou t
som eb ody.
62. (2) Vou ch for = con fi r m
63. (5) Legit im ate (Adj ect ive) = val-
id, ju st ifiable.
64. (5) m i x, lower
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65. (4) Galor e (Adj ecti ve) = in lar ge
qu antities.
66. (4 ) beh in d , m ore
67. (4 ) In fu l l swin g = to b e l ively
an d en j oyable.
68. (1) th r ou gh , argu ed
69. (4 ) Let you r h air down = to rel ax
an d en joy you r sel f.
70. (2) abili ty, team s
71. (1 ) Tim e (Verb) = to cu t away
72. (3) u n derst an d -fu lly
73. (2 ) created -com b at
74. (1) in trodu cin g -talk in g
75. (2) Evok e (Verb) = to brin g a feel-
in g in to you r m in d.
76. (3) tran sform ation , sim ply
77. (1) Vu ln erabi lity (Nou n ) = weak -
n ess.
78. (4 ) assu r ed, com m itt ed
79. (2 ) Accom pan ied , ch eer ed
80. (5 ) en cou rage, h elp
81. (2 ) Ou t raged (Adj ect ive) = over
sh ock ed an d an gr y.
82. (5 ) creatu res, again
83. (1) Cel ebratin g, welcom ed
84. (5 ) p ower, seri ou sly
85. (3 ) Flou t (Verb ) = defy ; to sh ow
th at you h ave n o r esp ect for a
low.
86. (1 ) Not on ly – expan di n g
87. (5 ) Morp(Ver b) = to ch an ge in to
som et h in g di fferen t.
88. (4) tr an sfor m ed – at m osph ere
89. (4 ) expl ore – r eveal
90. (2 ) Al th ou gh – evolved
91. (2) aim ed, creat in g
92. (4) n ot , u n pred ictable
93. (5) Elated (Adjective) = very h ap-
py an d ex cited.
94. (3) Con tr ary, aggressi ve
95. (2) Cit in g, rem ove
96. (1) Relen t less (Adj ective) = n ot
st opp in g ; r efu sin g t o gi ve u p
97. (2) Groovy (Adjective) = fash i on -
ab le ; at tracti ve
Exh ort (Verb) =u rge ; to persu ade
som eb ody to do som et h in g.
98. (1) ru sh ed - con dit ion
99. (1) cr ash ed - ago
100. (1) Swin d l ed (Ver b ) = to ch eat
som eb ody in ord er to get som e-
th in g.
101. (1) calm , di fficu lt
102. (4) u n em pl oym en t, poverty
103. (3 ) fail ed, affect ed
104. (5) n u m erou s, lan din g
105. (4) ch arge, qu ality
106.(1 ) Allu r e = th e qu al ity of bei n g
att ractive an d excit in g
Lu crative = m ak in g a lar ge prof-
it.
107. (5 ) r edu ces, can cell ed
108. (4 ) p ict u resqu e, dep let ed
109. (5) gli t ter i n g (very i m p r essi ve,
sh in in g brightly), clim bed
110. (2 ) Ush er som et h in g i n = to be
the begin n in g of somethin g n ew ;
pack ed
111. (2) h idin g, flu ctu atin g
112. (3) Hon e (Verb) = to develop an d
i m p r ove sk i ll over a p er iod of
time.
113. (2 ) r equ est, becau se
114. (1 ) t ryi n g, fl ock ed
115. (1 ) l ived , wooi n g
116. (4 ) step – b u rd en
117. (1) Em er gen ce = com i n g ou t ;
appearin g
Affor d (Verb ) = to h ave en ou gh
m on ey to b u y som eth in g.
118. (2 ) sp en t – bou n ds
119. (5 ) ch al len ge – ch oose
120. (4 ) stress – i n cl u di n g
121. (1) ou tbreak – toes
122. (2) n ot – t oo
123. (2) bu sted – special isi n g
124. (4) pr odu ced – rem an d ed
125. (1) in – d u ri n g
126. (3) K eep bu sy = k eep en gaged/
in vol ved.
127. (1) Cr i ppl e (Ver b) = to dam age
som ebody’s body so th at th ey are
n o lon ger ab le to wal k or m ove
n orm ally; disable.
128. (5) Sh ar e (Ver b) = to tell oth er
p eo p l e a b o u t y o u r i d ea s ,
ex per ien ces an d feel in gs.
129. (5) I n di cat e (Ver b) = to sh ow that
som et h in g i s t ru e or ex ist s.
Som e cau tion s m u st be tak en to
avoid acciden t.
130. (1) T r adi t i on al l y (Ad v er b) = n ot
ch an gin g for a lon g tim e.
131. (2 ) E n q u i r e ab o u t = t o ask
som ebody for som e in form ation .
132. (4) T h r eat = th e possi bil it y of
tr ou b le, dan ger or d isaster.
133. (2 ) Per f ec t = ex cel l en t ; ver y
good.
I n st or e = wai tin g t o h app en to
som ebody
134. (1) ci ted , r eason
135. (2) accep t, revolves
136. (1) all u re, l u crat ive
137. (5) redu ces, can cell ed
138. (4) pi ctu r esqu e, dep let ed
139. (5) glitt erin g, cl im bed
140. (2) u sh ered, pack ed
157. (3) Ex tin ct = n o lon ger i n exist-
en ce
-76-

158. (4) For two objects, bet ween is
u sed. Oft en = frequ en tly; m an y
times
159. (1) Aw ar e = k n owin g or reali s-
in g som eth in g.
He was well aware of th e prob-
lem .
SBI PO EXAMS
1. (4) ex h ib ited - for m s
2. (1) su ccessfu l - dr awi n g
3. (4) st ati on ar y - retrograd es
4. (5) vi rtu e - rever en ced
5. (1) foll ow - p lan
6. (2) h eigh t - ap preciate
7. (1) en cou raged - r ein for ce
8. (1) br ou gh t - passi n g
9. (4) comm itm ent - su stainin g
10. (4) proofs - h u m an ity
11. (3) Gen er al l y a n o b j ect i on i s
m ade wh en a proposal is fou n d
on a wron g p rin cipl e an d i s i n -
con ven ien t.
12. (2 ) J ou rn ali sts don ’t sel ect; th ey
ju dge. So, i t is said — “Th e crit e-
ri on for j u dgi n g a pl ayer .....”
“Recen t” an d “ear lier” den ot e dif-
fer en t p eriods of tim e. So, opt ion
(2 ) i s t h e corr ect on e.
1 3. (3) On e devotes on eself in pu bl ic
affai rs. So, we sh ou ld u se dev ot -
ed in the first blank . Wi t h out t ak -
i n g a h ol i day d en otes con tin u -
ou s services. So, wi t h ou t i s t h e
app r opr i ate u se i n t h e secon d
blan k .
1 4. (4) Si gn s of i n du st r y is an in d i-
cation of p rosperi ty. So, we can
ch oose op tion (4 ).
1 5. (5) On e can be arrested on a par -
ticu lar ch arge of theft. Bu t h e can
be released for th e l ack of evi-
d en ce.
16. (2) m eticu lou sly, exten sive
17. (5 ) accel erated , b u rgeon i n g
18. (1) witn essin g, am bitiou s
19. (3 ) gen erate, p avi n g
20. (4 ) qu est , expose
21. (5 ) exist ..... di m in ish es
22. (3 ) m otivati on ..... in volvi n g
23. (1 ) r igid ity ...... com patib ili ty
24. (3 ) attri bu t ed ..... requ est ed
25. (4 ) en h an ce ...... su pp ly
26. (2 ) au tocrat ic ..... en gu lf
27. (3 ) con sist en t ..... dam aged
28. (4 ) com m it ....... p ersist ed
29. (1 ) p essim i sti c ...... views
30. (4 ) ach i evem en t ..... cr u m b le
31. (2 ) favou rs .... viol ati on
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32. (4 ) u n it ed .... tr adi tion s 68. (2 ) Th e secon d blan k n eeds an
33. (5 ) i n sti tu t ed .... i n adequ ate ad ject ive. On ly dam aged part is
34. (3 ) allowed .... extorti on cu r ed.
35. (1 ) con cl u ded .... resort ed 69. (3) St i m u l at e = to m ak e som e-
36. (3 ) wr on g_______in con ven ien t th in g devel op; to en cou rage.
37. (2) ju dgin g_____p ron e 70. (3) In th e con text of In tern et , th e
38. (3 ) On e d evotes on eself i n p u bl ic ‘ch oices’ can best be describ ed
affair s. So, we sh ou l d u se d e- as ‘u n lim ited’.
v o t ed i n t h e fir st blan k . Wi t h - 86. (3) Si n c e = becau se ; as
out t ak i n g a h oli day denotes con- Ex ci t i n g = cau si n g great i n ter -
ti n u ou s services. So, wi t h ou t i s est or ex cit em en t.
th e ap propri ate u se in th e sec- 87. (2) H av o c = a sit u ati on i n wh ich
on d blan k . th ere is a lot of dam age, destru c-
39. (4 ) Sign s of i n du st r y is an in d i- tion.
cation of p rosperi ty. So, we can Loo k at t h e sen t en c e :
ch oose op tion (4 ). Con tin u in g strik es are beginn in g
40. (5) On e can be ar rested on a par - to pl ay h av oc wi t h th e n ation al
ticu lar ch arge of theft. Bu t h e can
econ om y.
be released for th e l ack of evi-
88. (4) An t i qu at ed = ou tdated ; old
d en ce.
fash ioned and n o longer su itable
41. (4) con fr on t ed ............. r id dl e
for m odern con dit ion s.
42. (3) n u r tu red ............. r eact ive
89. (1) T act i c = th e particu lar m eth -
43. (1) ach ievin g ............. ex er t
od you u se to ach ieve som eth ing.
44. (1) cr iti cal ly ............. pertain
Bl o ck = to pr even t som eth in g
45. (5) case ............. ar ises from h appen in g.
46. (5 ) d rew, pr opon en ts
47. (1 ) u n pr eceden t ed, n egat ed RBI GRADE–B
48. (2 ) refor m s, tal en t ed
49. (5 ) declarin g, b ecom e OFFICER EXAMS
50. (4) ad ver sel y, problem s
1. (3 ) segm en t — provid es
51. (5) rel yin g, alt ern at ive
2. (3) n ou rish — cu m u lative
52. (3) opportu n ities, u n em ployable
3. (2 ) in ter act ion ______ im p roved
53. (2) pr ovok ed, fear
54. (4) Acti on , exp ired 4. (3 ) em erges — con sider ati on
55. (1) econ om ies, m eet 5. (3 ) com p ou n ded — addr essed
56. (5) bou n d – task 6. (4) Pr od som eb ody (in to/ doi n g
57. (1) ju st – afar som et h in g) m ean s m ak e (a sl ow
58. (1) overwh el m ed – exten d or u n wil li n g per son ) d o som e-
59. (4) Con cer n ed – swit ch th in g, u rge.
60. (3) forced – sett le For ex am pl e,
61. (2) T eem wi t h som et h i n g = to be Sh e i s a fairl y good wor k er, b u t
fu ll of p eopl e. she n eeds prodding occasion ally.
62. (5) T ou t = to try to persu ade peo- So, pr odd i n g can be u sed in th e
pl e t o b u y you r goods or servi c- secon d gap.
es. 7. (2 ) Depl et e (Verb) m ean s redu ce
63. (3) Ben t o n = deter m in ed to do gr eat ly t h e qu an ti ty, size, power
som eth in g. or valu e of (som eth in g).
64. (4) Pu r su e = to con t in u e to fi n d For ex am pl e,
ou t; to tr y som et h in g over a p eri- (i ) Ou r stock of food is gr eat ly
od of tim e. depl et ed .
Assess = to calcu late; esti m at e; (i i) Th is ex pen se h as dep let ed
to m ak e a j u dgem en t abou t t h e ou r fu n d s.
n atu r e of som et h in g. Ex h au st (Ver b) m ean s u se u p
65. (2) Cou pl e wi t h = com bin e with ; com pl etely; m ak e em p ty; tak e
to li n k on et h in g, situ ati on etc to ou t th e con t en ts of : exh au st a
an oth er. well.
66. (4 ) Opin i on s (1 ), (2), (3 ) ar e set For ex am pl e,
of opp osi te word s. Th e m on ey h e h ad , was ex -
67. (4 ) On e can n ot m ax im i se, en act h au sted.
or u n der a d eci sion . Deci sion s So, t h e an swer is (2 ).
ar e m et or faced.
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8. (1 ) Resi l i en t (Adj ective) m ean s
(i) (of an object or material) sprin g-
in g back to its origin al form af-
t er b ei n g b en t , s t r et c h ed ,
cr u sh ed, etc.; spr in gy.
(ii) (of a p er s o n or ch ar a ct er )
qu ick ly recover in g fr om sh ock
or depression ; bu oyant : ph ysi-
cally/ m en tally resilien t.
For ex am pl e,
Sh e is ver y resili en t to ch an ge.
I f s o m eo n e c a n r ec o v er
qu ick ly, we say h e is r esi l i en t .
So, t h e word r esi l i en t can be
u sed in th e fir st gap an d for
th e secon d gap th e word r a-
t i on al will n ot be u n fit on e.
9. (5 ) For t h e fi r st gap , w e can
choose reali zi n g or reach i n g. Bu t
for the secon d gap con t i n uou sl y
is th e ap propriate on e. So, t h e
an swer is (5 ).
10. (3) Per son wh o i s m ore in t er -
ested in h i s own t h ou gh t s an d
feelin gs th an in th in gs ou tsi de
h im self, an d is often sh y an d u n -
wil lin g to speak or join in acti vi-
ti es with ot h er s is an i n t r o v er t .
Gr av i t at e (Verb ) m ean s m ove
t ow a r d s or b e at t r act ed t o
somebody/ something gradu ally
an d ir resist ibly; t u rn to som e-
body/ som eth ig.
For ex am pl e,
(i) Wh en t h i s b eau t i fu l gi r l ar -
ri ved , al l t h e m en in th e room
gr avi tat ed t owards h er.
(ii) Th e con ver sat ion gravitated to
sport.
So, gr av i t at e m ean s at tract.
Hen ce, t en d an d gr av i t at e can
be u sed in th e first an d th e sec-
on d gap respectively to m ak e
th e senten ce mean ingfu lly com-
plete.
11. (3 ) F o cu s wh en u sed as Ver b
b ear s d iffer en t m ean in gs. Bu t
th e m ean i n g it con veys h ere is
“to con cen trate”
For ex am pl e,
(i ) I am so tired I can ’t focu s
(on an yth in g) today.
(ii) Please focu s you r m in d s on
th e fol lowi n g p robl em .
Ap pr ec i at e (Ver b) m ean s u n -
d er st an d an d en j oy (som e-
t h i n g); val u e h i gh l y, u n d er -
stan d (som eth in g) with sympa-
th y, in crease i n valu e.
For ex am pl e;
(i) You can ’t fu lly appreciate for -
eign liter atu re in tran slati on .
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
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(i i) I reall y ap preciate a good
cu p of tea. INSURANCE EXAMS
(i ii) I ap preciate you r pr oblem ,
1. (1) fail, h ealth y
bu t I don’t think I can h elp you .
2. (3) di ligen ce, sin ceri ty
(i v) Local p rop ert y h as appr e-
ciated (in valu e) since th ey bu ilt 3. (5) h eavy, h ard ly
th e m otorway n earb y. 4. (3) accu sed, register ed
So, we can u se ap pr ec i at e i n 5. (1) pr eserve, pen di n g
th e first gap an d fo cu s i n t h e 6. (2) origin ally, cu rtailed
secon d gap t o m ak e th e sen - 7. (2) escape, severe
ten ce m ean in gfu l ly com plete. 8. (5) in , on
12. (1) Per col at e (Verb) m ean s p ass 9. (1) ad ver sel y affect ed
slowly t h rou gh . 10. (4) st opp ed, det ect ed
Here in th e fi rst gap we can u se 11. (4 ) frau d tu rm oil
equ al l y or u n i for m l y , bu t in th e 12. (2 ) perm i ssi ven ess rest ricti ve
secon d gap we can ’t u se per c o-
13. (1 ) t ru cu len t...........ali en ate
l at e. In th e secon d gap, we can
14. (4 ) dou bt s...........di spell ed
u se gen er at e an d n oth in g else.
Hen ce, t h e an swer is (1 ). 15. (3 ) assau lt ed...........evi cti on
13. (1 ) We can say, pr ofo u n d sen se 16. (3) on ly
of words or ou t stan di n g sen se 17. (2) ten u ou s
of wor ds. T er r i fi c m ean s fr igh t- 18. (3 ) cl ever - abr u pt ly
en i n g, wh ich raises t er ror. We 19. (2) ambigu ou s
can ’t u se t er r i fi c, m ean i n gful or 20. (3) in toleran t
di st i n gu i sh ed i n th e first gap. 21. (4) in sigh t , owin g
Pr egn an t w i t h (som et h i n g) 22. (1) fam iliar, mak in g
m ean s fu ll of som eth in g; lik ely
23. (5) bu t, brou gh t
to cau se som et h in g.
24. (2 ) i gn ore, destr oyi n g
For ex am pl e,
25. (3 ) r isi n g, effects
(i) pregn an t wi th j oy, m ean in g
26. (1 ) su bt le ____ m ask
(ii) pr egn an t wit h con sequ en ces,
27. (3 ) aggr essive ____ ali en ate
dan ger.
28. (2 ) t h ru st ____ st all ed
So, we can u se th e word pr eg-
29. (3) pit falls, system atic
n an t in th e secon d gap. Hen ce
30. (1 ) n eed, u r gen cy
th e an swer i s (1 ).
14. (3 ) Ac c o m p l i sh ed (Ad j ect i ve) 31. (2 ) Wh at , b lu n d er
means 32. (5 ) m ild , aggressi ve
(i) s k i l l ed : an ac c om p l i s h ed 33. (4 ) bear, bor n e
dan cer, cook , p oet, et c. 34. (3 ) fail s, r eop erate
(ii) well-t rain ed or edu cated i n so- 35. (1 ) m eticu lou s, escap es
cial sk ills su ch as conversation, 36. (2) m erit oriou s, su rp ass
ar t, m u sic, et c. 37. (5 ) H atr ed, violen ce
For ex am pl e, 38. (4) com m itted , in evitable
l an accomplished you ng lady. 39. (3) pi tfal ls, syst em at ic
So, we can u se ac com p l i sh ed 40. (1) n eed, u r gen cy
in th e fi rst gap.
41. (2) Wh at, b lu n d er
Again , we u se “h on ou red wi th
42. (5) m i ld, aggressi ve
a tit le”. H en ce we sh ou l d u se
h o n ou r ed i n t h e secon d gap. 43. (4) bear, bor n e
15. (2) We can u se deep or gen ui n ely 44. (3) fails, r eop erate
in th e secon d gap. 45. (1) m eticu lou s, escap es
Now, am on g fo u n dat i o n an d 46. (5) st u di ou s, respect
m an i fest at i on , we sh ou ld u se 47. (5) Hatred, violen ce
fo u n dat i on in th e fi rst gap. 48. (4) com m itted, in evitable
Th is is d u e to th e u se of bed- 54. (2) I n t r o du c e = to be th e start
r ock in th e followin g part of th e of th e n ew.
sen ten ce. H en ce th e an swer is 57. (4) M an dat e = t o ord er som e-
(2). body t o d o som et h in g.
16. (1) A an d B 1 7 . (2) B an d C 58. (3) Wi t h h ol d = to k eep b ack ;
18. (3) C an d B 1 9 . (2) B an d C to r efu se t o gi ve som eth in g to
20. (1) A an d B som eb ody. ppp
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 FILL UP THE BLANKS (DOUBLE SPACE)

MODEL EXERCISES
Di r ec t i o n s (1 -5 ) : Fi l l u p t h e (1) equ ivocal (2) pervasive (1) reliable (2) inadequ ate
blan k s. (3) inseparable (4) autonomou s (3) novel (4) speciou s
1. Kick in g th e bu ck et is a h u m or - (5) Non e of th ese (5) Non e of th ese
ou s ......... for dyin g. Di r ec t i on s (9 -1 2 ) : Fi ll u p th e 16. Th e col u m n i st was very gen tl e
(1) dictu m (2) incantation blan k s. wh en h e m en tion ed h is frien ds,
(3) eu phemism (4) addendu m 9. If y ou d o n ot ....... , al l you r bu t h e was bitter an d even ........
(5) Non e of th ese m on th ly expen ses wou ld exceed wh en h e discu ssed people wh o
2. Seei n g t h e p ict u res of ou r ol d you r in com e. irritated h im .
h om e m ade m e feel an d n ostal- (1) econ om ise (2) spen d (1) acerbic (2) remorsefu l
gic. (3) save (4) splu rge (3) stoical (4) laconic
(1) fastidiou s (2) conciliatory (5) Non e of th ese (5) Non e of th ese
(3) indignant (4) wistfu l 10. Th e m agi cian ........ t h e r ab bi t 17. With a few exception s, explorers
(5) Non e of th ese in to a pigeon . now are not individu als setting ou t
(1) tran sform ed alon e or in pairs to som e rem ote
3. Th e sch olar was so ...... i n h is
(2) tran sfigu red destin ation in stead m em bers of
field th at m an y of ou r professors
(3) con ven ed ........... often i n t ern at ion al u n -
becam e n ervou s in h is presen ce.
dertak in g.
(1) emin ent (2) pathological (4) made
(1) a singu lar (2) a private
(3) petu lant (4) amiable (5) Non e of th ese
(3) an in su lar (4) a collaborative
(5) Non e of th ese 11. Th e cost of t h is op er ati on h as
........ ou r sm all store of m on ey. (5) Non e of th ese
4. Th e fan s were ....... wh en th eir
(1) destr oyed (2) damaged Di r ect i on s (1 8 -2 0 ) : Fill u p th e
team lost its seven th gam e in a blan k s.
r ow. (3) depleted (4) affect ed
(5) Non e of th ese 18. The ....... su ccessfu lly repelled ev-
(1) irascible (2) despon den t ery ............ on th e city.
(3) lucid (4) didatic 12. He h ad tak en th e sh ock in g n ews
qu ietly, n eith er ........... fate n or (1) defen ders, com m en t
(5) Non e of th ese (2) citizen s, on slau gh t
u tterin g an y word of bittern ess.
5. Mr.Sin gh ....... h is son for break - (3) th ieves, robbery
(1) su bm itting to
in g th e win dow pan e.
(2) railin g again st (4) ju dge, criticism
(1) coerced (2) relegated (5) Non e of th ese
(3) conspirin g with
(3) expropriated (4) chastised 19. H e was ......... very clever, bu t
(4) dissen tin g from
(5) Non e of th ese h e ......... perform ed excellen tly.
(5) Non e of th ese
Di r ec t i o n s (6 -8 ) : Fi l l u p t h e (1) certain ly, obviou sly
Di r ect i on s (1 3 -1 4 ) : Fill u p th e
blan k s. blan k s. (2) n ever, also
6. Criticism that tears down with ou t 13. Th e people of Eu rope cam e to In - (3) n ot, always
su ggestin g areas of im provem en t d i a ....... for r i ch es, fol l ow ed (4) rarely, seldom
i s n o t . .. . .. .. an d s h o u l d b e qu ick ly by th e desire to ru le. (5) Non e of th ese
avoided if possible. (1) basically 20. A ......... an alysis of th ese su b-
(1) con stru ctive (2) mandatory (2) fu ndamentally stan ces will sh ow th at th ey differ
(3) pertin en t (4) sagaciou s (3) primarily ......... .
(5) Non e of th ese (4) seem in gly (1) ran dom, m in u tely
7. Man y edu cators believe th at bi- (5) Non e of th ese (2) detailed, essen tially
lin gu al edu cation h as proved to 14. Th e orator was so soporific th at (3) carefu lly, com pletely
h ave defin ite ....... edu cation in th e au dien ce becam e ............. . (4) fin al, stru ctu rally
an y on e ton gu e. (1) elated (2) drowsy (5) Non e of th ese
(1) correlation s with (3) affable (4) riotou s Di r ect i on s (2 1 -2 3 ) : Fill u p th e
(2) lim itations on (5) Non e of th ese blan k s.
(3) advan tages over Di r ect i on s (1 5 -1 7 ) : Fill u p th e 21. Wh en t h e ....... p ol i s h ed t h e
(4) con n otation s for blan k s. st o n es, t h ey gl eam ed w i t h a
(5) Non e of th ese 15. You m ay won der h ow th e expert breath -tak ing brillian ce.
8. Lan gu age, cu ltu re an d person al- on fossil rem ain s is able to trace (1) graphologist (2) cosm etologist
ity m ay be con sidered in depen - d escen t t h r ou gh t eet h , wh i ch
(3) lapidary (4) beagle
den tly of each oth er in th ou gh t, seem ........... p egs u p on wh i ch
to h an g wh ole an cestries. (5) Non e of th ese
bu t th ey are ........ in fact.
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-79-
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22. As ....... h ead of th e organ ization ,
h e atten ded social fu n ction s an d
civil m eetin gs, bu t h ad n o ...... in
the formu lation of company policy.
(1) h ypoth etical, vote
(2) titu lar, voice
(3) nomin al, competition
(4) for m er, pride
(5) Non e of th ese
23. Th e perp etu al spi n n in g of p ar -
ticles is m u ch lik e th at of a top,
wi th on e si gn i fi can t di fferen ce,
u n lik e th e top, th e particles h ave
n o n eed to be wou n d u p, for .......
is on e of th eir ......... properties.
(1) revolu tion , radical
(2) rotation, in trin sic
(3) motion, intangible
(4) acceleration , h ypothetical
(5) Non e of th ese
Di r ect i on s (2 4 -2 6 ) : Fill u p th e
blan k s.
24. Th e .......... terrori st was fi n ally
.......... by th e police.
(1) fam ou s, appreh en ded
(2) n otoriou s, n abbed
(3) crafty, adm on ish ed
(4) ren own ed, cau gh t
(5) Non e of th ese
25. It is foolish to ven t you r spleen
on a/ an ......... object. Still, you
m ak e ....... en em ies th at way.
(1) imm obile, bitter
(2) in teresting, cu riou s
(3) h u man e, more
(4) in an im ate, fewer
(5) Non e of th ese
26. Com prom ise is ....... to passion -
ate n atu res becau se it seem s to
su rren der an d to m tellectu al n a-
tu res it seem s a ........... .
(1) u nsu ited, su bm ission
(2) odiou s, con fu sion
(3) in timidation s, dichotomy
(4) in h eren t, fabrication
(5) Non e of th ese
Di r ect i on s (2 7 -2 9 ) : Fill u p th e
blan k s.
27. Th e village h eadm an was u n let-
tered, bu t he was n o fool, h e cou ld
see t h r ou gh t h e .......... of t h e
bu sin essm an ’s p roposition an d
prom ptly ........ h im down .
(1) deception , forced
(2) n aivete, tu rn ed
(3) poten tial, forced
(4) soph istry, tu rn ed
(5) Non e of th ese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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28. Th e n ewly-open ed restau ran t at
th e D ist rict Cen t re ....... t o t h e
tastes of people from all walk s of
life an d on e is lik ely to fin d an
......... grou p th ere.
(1) appeals, arch etypal
(2) pan ders, con n oisseu r
(3) caters, ecletic
(4) in h ibits, diverse
(5) Non e of th ese
29. We m u st try to u n derstan d h is
m om en t ar y ......... for h e h as
....... m or e st r ai n an d an x i et y
th an an y am on g u s.
(1) vision , forgotten
(2) aberration, u n dergon e
(3) ou tcry, described
(4) senility, u nderstood
(5) Non e of th ese
Di r ect i on s (3 0 -3 3 ) : Pill u p th e
blan k s.
30. We were am azed th at a m an wh o
h ad been th e m ost ........ pu blic
speak ers cou ld, in a sin gle speech
electrify an au dien ce an d brin g
th e ch eerin g crowd to th eir feet.
(1) enthralling (2) accom plish ed
(3) pedestrian (4) masterfu l
(5) Non e of th ese
31. Th e officers t h reat en ed to tak e
........ if th eir m en were ...... by
th e con qu ered villages.
(1) m easu res, en h an ced
(2) reprisals, en dan gered
(3) liberties, irriated
(4) affron t, en ervated
(5) Non e of th ese
32. His presen tation was so len gth y
an d ..... th at it was difficu lt for
u s to fin d ou t th e real .......in it.
(1) verbose, con ten t
(2) tediou s, sk ill
(3) laboriou s, coverage
(4) sim ple, mean in g
(5) Non e of th ese
33. The ..... of opinion wh ich em erged
at a recen tly con clu ded sem in ar
was th at th e prob lem of dowry
can n ot b e ....... u n less th e l aw
again st it is m ade m ore strin gent.
(1) divergen ce, m an aged
(2) con vergen ce, appreciated
(3) con sen su s, tack led
(4) similarity, cu rbed
(5) Non e of th ese
Di r ect i on s (3 4 -3 8 ) : Fill u p th e
blan k s.
34. Th ey refu sed to ......... an y m ore
evasi ve r ep l ies an d d eci d ed t o
resolve th e issu e with in th e ........
of th e m ajor.
(1) n otice, eccen tricity
(2) brook , ju risdiction
(3) bloom , in du lgence
(4) su ffer, fortitu de
(5) Non e of th ese
35. Wh en listen in g to th e chan tin g of
th e scriptu res, th e listen er does
n ot en cou n ter th e m u sician ’s in -
d i vi d u al p er son al i t y ........ t h e
ch an t m erely ....... both th e m u -
sics an d religiou s ru les of th e pe-
riod.
(1) h owever, r epresen ts
(2) rath er, com mu n icates
(3) m oreover, reflects
(4) in addition , con veys
(5) Non e of th ese
36. Aft er li sten i n g to th e p leas for
.......... , th e ju dge was ..... an d
gav e t h e co n vi c t ed m an t h e
m aximm u m pu n ish men t allowed
by law.
(1) activity, abrasive
(2) fortitu de, formidable
(3) elem en cy, u n m oved
(4) mu ltiplicity, noisome
(5) Non e of th ese
37. Sh e was a/ an ........ liar wh o h ad
m astered th e art of m ak in g u n -
tru e statem en ts in a m an n er th at
sou n d ed ........ .
(1) con gen ial, creditable
(2) incorrigible, plau sible
(3) covin cing, illogical
(4) blatant, in congru ou s
(5) Non e of th ese
38. Even thou gh th e region was prone
to h u rrican es, th e ....... of th e tor -
n ado last year was ..........
(1) levity, leth al
(2) porten t, poignan t
(3) inevitability, m ercu rial
(4) ferocity, u n preceden ted
(5) Non e of th ese
Di r ect i on s (3 9 -4 5 ) : Fill u p th e
blan k s.
39. We can coax ph ysical n atu re in to
............ m an y of ou r wish es bu t
we can n ot .... au th ority over it or
m ak e it ch an ge its ways on e jot.
(1) gran tin g, em power
(2) satiating, display
(3) satisfyin g, exercise
(4) Stim u latin g, exercise
(5) Non e of th ese
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 FILL UP THE BLANKS (DOUBLE SPACE)
40. War has been , throu gh ou t h istory, 46. Part of th e con fu sion in ou r soci- 52. In Bu ddh ism , it is im possible to
th e ch ief of ......... social coh e- eties ........... from ou r pu rsu it of k eep eth ics an d psych ology ........
sion ; an d sin ce scien ce began , it efficien cy an d econ om ic growth , from on e an oth er, becau se th ey
h as been th e stron gest ........ to in th e ........ t h at th ese ar e t h e ......... at so m an y poin ts.
tech n ical progress. n ec es sa r y i n gr ed i en t s of (1) aloof, m erge
pr ogr ess. (2) disjoin , con verge
(1) reason , encou ragem en t
(1) stem s, con viction (3) alien , m eet
(2) origin , boost
(2) derives, evalu ation (4) separate, overlap
(3) cau se, provocation
(3) em erges, con sideration (5) Non e of th ese
(4) sou rce, in cen tive
(4) exten ds, plan nin g 53. Ch olesterol h as lon g been iden ti-
(5) Non e of th ese (5) Non e of th ese fied as a silen t k iller becau se th e
41. Gen etic en gin eerin g in h u m an s 47. Th e problem of h ou sin g sh ortage patien t h as n o ...... of th e dan ger
sh ou ld be u sed to ....... diseases, ........ with th e popu lation explo- freely ........ h is system .
n ot to ........ gen etic u n iform ity. sion h as also been ........ by th is (1) in form ation, invadin g
(1) treat, foster policy. (2) thou gh t, attack in g
(2) eradicate, cater (1) projected, discu ssed (3) idea, in fectin g
(3) cu re, gen erate (2) dispen sed, ack n owledged (4) in k lin g, traversin g
(4) avoid, prom ote (3) th reaten ed, m an ifested (5) Non e of th ese
(5) Non e of th ese (4) com pou n ded, addressed
(5) Non e of th ese SHORT ANSWERS
42. Th e con flict of m an with ph ysical
n atu re is tu rn ed in to a ............ 48. Th e qu ality of ....... between in -
dividu als an d th e organ ization for
in proportion as m an learn s th e
wh ich th ey wor k can b e ......... 1.(3) 2.(4) 3.(1) 4.(2)
....... of n atu re an d th ereby be-
to th e ben efit of both parties. 5.(4) 6.(1) 7.(3) 8.(3)
com es able to cooperate with h er.
(1) life, con ceptu alised
(1) coh esion , m ysteries 9.(1) 10.(3) 11.(3) 12.(2)
(2) in teraction , im proved
(2) u nity, pu zzles
(3) service, evalu ated 13.(3) 14.(2) 15.(2) 16.(1)
(3) h arm on y secrets (4) soph istication , developed 17.(3) 18.(2) 19.(3) 20.(3)
(4) collation, riddles (5) Non e of th ese
(5) Non e of th ese 21.(3) 22.(2) 23.(2) 24.(2)
49. Handicrafts constitu te an impor -
43. Th e m an wh o is im patien t to be- tant ............. of the decentralised 25.(4) 26.(1) 27.(4) 28.(3)
com e rich can easil y b e ..... to sector of In d ia’s econ om y an d
29.(2) 30.(3) 31.(2) 32.(1)
th e race track or the gaming table, ........... em ploym en t to over six
wh ere a lu ck y ........ m igh t m ak e million artisans. 33.(3) 34.(2) 35.(3) 36.(3)
h im rich . (1) factors, aim s 37.(2) 38.(4) 39.(3) 40.(4)
(1) evok ed, streak (2) exten sion , plan ts
41.(1) 42.(3) 43.(1) 44.(4)
(2) en ticed, ch an ce (3) segm en t, provides
(3) pu shed, m om en t (4) period, projects 45.(4) 46.(1) 47.(4) 48.(2)
(4) lu red, break (5) Non e of th ese 49.(3) 50.(4) 51.(1) 52.(4)
Di r ect i on s (5 0 -5 3 ) : Fill u p th e
(5) Non e of th ese 53.(4)
blan k s.
44. Edu cation is cen tral becau se elec-
50. It is ........ th at th ose wh o expect
t r on ic n et wor k s an d softwar e-
........ fr om ot h er s ar e sel d om
driven techn ologies are beginn in g m ercifu l th em selves.
EXPLANATIONS
to ....... th e econ om ic barriers be-
(1) stran ge, sin cerity 1. (3) Eu ph emism is an indirect an d
tween n ation s.
(2) u n pardon able, k in dness m ild expression of a h arsh fact.
(1) break (2) break down (Addendu m = an added thing, Dic-
(3) stu pid, sym path y
(3) cru m ble (4) dismantle (4) paradoxical, clem en cy tu m = saying, Incantation = words
(5) Non e of th ese of m agic or ch arm ).
(5) Non e of th ese
45. Wh y did you ........ you rself from 2. (4) Wistfu l means sad abou t some-
51. Som e p eopl e h ave t h e ....... for
du ty yesterday, wh en th ere was th in g past. (Fastidiou s = Ch oosy
lear n i n g for ei gn l an gu ages b u t
u rgen t work to be don e ? an d difficu lt to please, In dign an t
th ey h ave n o ....... to speak an y.
= An gry, con ciliatory = m ak in g
(1) absu rd (2) absolve (1) aptitu de, in terest com prom ise or befrien din g).
(3) absen t (4) abstain (2) stam in a, fon dn ess 3. (1 ) Em in en t m ean s fam ou s i n
(5) Non e of th ese (3) capacity, ability on e’s profession (Petu lan t = pee-
Di r ect i on s (4 6 -4 9 ) : Fill u p th e (4) compu lsion, inclin ation vish or bad-tem pered, Am iable =
blan k s. (5) Non e of th ese frien dly).
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4. (2) Despondent means sad be-
cau se of losing hope (Irascible =
getting angry easily, Lucid = clear in
style, Didactic = preaching).
5. (4) Ch astise m ean s to scold on
wron g d oi n g (coerce = t o force
som eon e to do som eth in g, Rel-
egate = to pu sh to an in ferior po-
sition , Expropriate = to confiscate
on e’s property).
6. (1) (M an d at ory = n ecessar y b y
ru les, Pertin en t = relevan t, Saga-
ciou s = sh owin g good decision ).
7. (3) (Con n otation = an addition al
meaning).
8. (3) In separable m eans th at which
can n ot be separated (Equ ivocal =
vagu e or am bigu ou s, Pervasive =
widespread in in flu en ce).
9. (1) Econ om ise m ean s to con trol
on e’s expen ditu re (Splu rge = to
spen d m on ey freely).
10. (3) Con vert is to ch an ge from on e
form to an oth er (Tran sform = to
ch an ge t h e ap p ear an ce com -
pletely, Tran sfigu re = to ch an ge
t h e ap p ear an ce t o l ook m or e
beau tifu l).
11. (3) Wh en a stock of som eth in g is
m ade th in ner it is called depleted.
12. (2) Rail is to cu rse h eavily for an
action (Dissen t = to disagree).
13. (3) primarily
14. (2) Sop or ifi c i s som et h i n g t h at
c a u s es s l eep o r d r ow s i n es s
(Elated = very h appy, Affable =
frien dly, Riotou s = u n con trolled
or protestin g).
15. (2) (Speciou s = false an d m islead-
in g, Novel = m arvellou s in a n ew
way).
16. (1) Ascerbic m ean s h arsh in ton e
o r m a n n er (Rem o r s ef u l =
repenten t and sad, Stoical = com-
posed an d su fferin g with ou t com -
plain in g, Lacon ic = brief).
17. (3) (In su lar = n arrow)
18. (2) We can r ep el or p u sh b ack
on ly on slau gh t or attack .
19. (3) Becau se of ‘bu t’on e n egative
an d on e positive option .
20. (3) Analysis cou ld be both detailed
an d carefu l bu t with differ on ly
com pletely agrees.
21. (3) Lapidar y is som eon e wh o is
sk illed in polish in g ston es (Gra-
p h ol ogi st = on e wh o an al yses
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FILL UP THE BLANKS (DOUBLE SPACE)
h an d wr i t i n g, Cosm et ol ogi st =
sk illed in art of cosm etics, Beagle
= a species of dog).
22. (2) If a h ead is on ly in n am esak e
h e is titu lar.
23. (2) Essen tial property is in trin sic
(In tan gible = wh ich can not be felt
clearly, Hypoth etical - imaginary).
24. (2) A crim in al is n otoriou s (Crafty
= clever or deceitfu l, Appreh en d
= to arrest, Nab = to catch , Ad-
m on ish = to scold m ildly) .
25. (4) In this n egative sentence, only
in an im ate (lifeless) aqu eas (Hu -
m an e = k in d)
26. (1) In th e first option , both u n -
su ited an d odiou s (= h atefu l) are
su itable. Bu t con fu sion is n ot fit-
t i n g i n t h e secon d fi l l er. (D i -
chotom y = differen ce, Fabrication
= of false statem en t).
27. (4) Sophistry is deception throu gh
words an d Tu rn down is to reject
(Naivete — inexperien ced, Decep-
tion = deceit th rou gh action ).
28. (3) Cater mean s to fu lfill and Elec-
tric is on e wh ose taste is diver -
gen t (Appeal to — to su it, Arch e-
typal = original in history, Pander to
= to satisfy a base or immoral de-
sire, Connoisseur — a perfect ju dge
of taste, Inhibit — to prevent).
29. (2) Aberration is abn orm ality or
deviation from n orm al an d Un -
dergo is to su ffer or experien ce a
harsh con dition (Ou tcry = protest,
Sen ility = weak n ess becau se of
growin g old) .
30. (3) Pedestrian m ean s ordin ary or
u n in spirin g (Electrify/ En th rall =
to excite extremely, Accomplish ed
= sk illed)
31. (2) Reprisal m ean s retaliatory ac-
tion (Affron t = in su lt, En ervate =
to weak en ).
32. (1) On e can fin d on ly con ten t or
su bstan ce of a speech . Verbose
m ean s fu l l of u n wan ted word s
(Tediou s = borin g).
33. (3) We can on ly tack le a problem .
Con sen su s m ean s sim ilarity in
opinion (Convergence on = consen-
su s, Diver gen ce = differen ce of
opinion).
34. (2) Brook m ean s to tolerate an d
J u risdiction is th e area of au th or -
i t y (E cc en t r i c i t y = s t r a n ge
b eh a v i ou r , I n d u l gen ce
u ncontrolleld fu lfilm en t of desire,
Fortitu de = Patien ce in difficu lt
con dition).
35. (3) Both th e sen ten ces are n ega-
tive in effect; so ‘moreover. ‘Ru les’
can on ly be ‘reflected’ ou t of th e
given fou r option s for th e secon d
filler.
36. (3) A convicted m an can only pray
to a ju dge for clem en cy ie, par -
don (Abrasive = rou gh, Formidable
= fearsome and difficu lt to over -
come, Noisome = very u npleasant).
37. (2) A h abitu al liar is in corrigible
ie, can n ot be rectified. Plau sible
m ean s covi n ci n g (Con gen i al =
frien dly, Creditable = praisewor -
th y, Blatan t = open , In con gru ou s
= dish arm on iou s).
38. (4) Ferocity m ean s in tensity or el-
em en t of fear. Un p r eced en t ed
m ean s h appen ing as n ever before
(Levity = treatm en t of som eth in g
seriou s u n seriou sly, Leth al = fa-
tal or deadly, Porten t = warn in g
of a fu tu re u n pleasan t even t, Poi-
gn an t = cau sin g sadn ess, Mercu -
rial =fast bu t tem porary).
39. (3) We can satisfy th e wish es an d
exercise au th ority over som eon e
or som eth in g.’
40. (4) In th e given space of tim e ie,
‘th rou gh ou t h istory’th ere can be
only sou rce. Reason and cau se or
origin can be of a particu lar even t.
Boost, Encou ragement and Incen-
tive m ean th e sam e.
41. (1) Treat, Cu re an d Eradicate-all
are applicable in th e first filler.
However, in th e secon d filler on ly
foster (= to cau se to develop) is
th e m ost su itable.
42. (3) In th e secon d filler, all the fou r
option s cou ld be u sed. Bu t ‘con -
flict’has its opposing cou n terpart
in ‘h arm on y’on ly.
43. (1) evok ed, streak
44. (4) dism an tle
45. (4) abstain
46. (1) stem s, con viction
47. (4) com pou n ded, addressed
48. (2) in teraction , im proved
49. (3) segm en t, provides
50. (4) paradoxical, clemen cy
51. (1) aptitu de, in terest
52. (4) separate, overlap
53. (4) in k lin g, traversin g qqq
=
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 CLOZETEST

CLOZE TEST
4. (1) m anifestation s m on soon th at arrived late an d a spik e
NATIONALISED BANKS (2) expression s (3) m otives in global metal prices. North Sea cru de
(4) h opes (5) prospects h as crossed $42 per barrel, driven u p
& IBPS PO/MT/SO 5. (1) trick in g (2) blaming by low petroleu m (1 8 ) an d soarin g de-
(3) fu rth erin g (4) alarming m an d i n th e US as war pr od u cti on
Di r ect i on s (1 -1 3 ) : In th e followin g
(5) criticisin g h eats u p. Oil m ark ets are also spook ed
passage, th ere are blan k s, each of
by th e (1 9 ) of Ru ssian oil su pplies fall-
wh ich h as been n u m bered. Th ese 6. (1) lessen s (2) happen s
in g on th e back of th e Yu k os-Sibn eft
n u m bers are prin ted below th e (3) qu estion s (4) deepen s
probe. Th ere’s little th at th e govern -
passage an d again st each , five words (5) laments m en t can do to (2 0 ) u sers from soar -
are su ggested, on e of wh ich fits th e 7. (1) approach (2) direct in g oil prices-in deed, it sh ou ldn ’t, if it
blan k appropriately. Fin d ou t th e (3) avoid (4) im plem en t wan ts to (2 1 ) efficien cy. High er tran s-
appropriate word in each case. (5) prepare port costs h ave pu sh ed u p rates of veg-
(Can ar a Ban k PO Ex am .09.02.2003) 8. (1) solve (2) apply etables an d fru its; farm produ ce cou ld
Actu al ly everyday we al l are en - (3) plan (4) approach also get affected by rain s th at arrived
gaged i n t h i s b u si n ess of ‘r ead i n g’ (5) respon d too late for k h arif sowin g. Ch ina is (2 2)
people. We do it (1 ).We wan t to fig- 9. (1) projection (2) exh ibition u p steel an d oth er m etals from all over
u r e ot h er s o u t . So w e (2 ) m a k e (3) situ ation (4) prediction th e world to (2 3 ) a con stru ction boom
gu esses ab ou t wh at ot h er s t h i n k , (5) attribu tion ah ead of th e 2008 Olym pics, m ak in g
val u e, wan t an d feel an d we d o so m etal prices soar all over th e world,
10. (1) organizing (2) u n dern eath
based on ou r (3 ) beliefs an d u n der - an d spark in g in flation in In dia.
(3) appreciatin g (4) proposin g
standings abou t hu man natu re. We do 14. (1) m ere (2) m oderate
(5) ou tside
so becau se if we can figu re ou t (4 ) (3) retardin g (4) veh em en t
11. (1) cu nn in g (2) visible
an d in ten tion s of oth ers th e possibil- (5) du ll
(3) deeper (4) obviou s
ity of th em (5 ) or h u rtin g u s, (6 ) an d 15. (1) obstin ate (2) con stitu te
th is will h elp u s to (7 ) a lot of u n n ec- (5) proposed
12. (1) abnorm ality (2) angu larity (3) persist (4) repeat
essar y p ai n an d t r ou b l e. We al so
(3) focu s (4) layeredn ess (5) normalize
mak e secon d-gu esses abou t wh at th ey
will do in fu tu re, h ow th ey will (8 ) if (5) con tribu tion 16. (1) go (2) scram ble
we m ak e th is or th at response. We do 13. (1) proposin g (2) developin g (3) mou nt (4) yield
all th is secon d gu essin g based u pon (3) u p-brin ging (4) lam en ting (5) crop
ou r (9 ) of wh at we believe abou t th e (5) em otin g 17. (1) su stain ed (2) su spiciou s
person ’s in n er n atu re (1 0 ) h is or h er Di r ect i on s (1 4 –2 3 ) : In th e follow- (3) h orrific (4) erratic
r ol es an d m an n er s. We m i n d -r ead in g passage th ere are blan k s, each of (5) favou rable
th eir (1 1 ) m otives. which has been nu m bered. Th ese n u m- 18. (1) lists (2) trades
Al so everyd ay we m i sgu ess an d bers are prin ted below th e passage an d (3) services (4) in ven tories
m isread. Wh y ? Becau se of th e com - again st each , five words are su ggested,
(5) details
pl ex it y, (1 2 ), an d m u lt id im en si on al on e of wh ich fits th e blan k appropri-
19. (1) prospect (2) progress
fu nctioning of people. Afterall how well ately. Fin d ou t th e appropriate word
do you ‘read’you r own thou ghts, aims, in each case. (3) view (4) exten t
val u es, m ot ives, beli efs, etc. ? How (Sy n di cat e Ban k PO (5) deposit
well do you k n ow you r own stru ctu r - Ex am .1 0 .1 0 .2 0 04 ) 20. (1) su pport (2) ignore
i n g p rocess-you r own t h i n k in g an d Aft er t en years of (1 4 ) in fl ati on , (3) propel (4) prolon g
(1 3 ) styles. prices h ave spik ed 7.5% in th e th ird (5) in su late
1. (1) veh em en tly (2) practically week of J u ly. Th is look s scary-after 21. (1) position (2) promote
(3) actu ally (4) in cessantly all , In di an s h ad got u sed to pr i ces
(3) process (4) pass
crawlin g u p by 2% in the last two years,
(5) virtu ally (5) form
an d a 10-year average in flation rate of
2. (1) ably (2) constan tly 22. (1) hu rryin g (2) passin g
abou t 5%-bu t you sh ou ldn’t worry. This
(3) partly (4) largely (3) pairin g (4) gobblin g
bu rst of in flation is th e resu lt of th ree
(5) positively factors th at h ave com e togeth er u n ex- (5) throwin g
3. (1) fu tu ristic (2) proactive pectedly, are u n lik ely to (1 5 ) for lon g 23. (1) k eep (2) m ak e
(3) reactive (4) decorative an d are u n lik ely to (1 6 ) u p togeth er (3) feed (4) grow
(5) assu m ptive again A (1 7 ) rise in global oil prices, a (5) figh t

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 CLOZETEST
Di r ect i on s (2 4 –3 3 ) : In th e fol- Di r ect i on s (34-43) : In the follow- 42. (1) doesn’t (2) won ’t
lowin g passage there are blan k s, each in g passage, th ere are blan k s, each of (3) don’t (4) not
of wh ich h as been n u m bered. Th ese wh i ch h as b een n u m b er ed . Th ese (5) hasn’t
n u m bers are prin ted below th e pas- n u m bers are prin ted below th e pas-
43. (1) credible (2) seriou s
sage an d again st each , five words are sage an d again st each , five words are
su ggested, on e of wh ich fits the blan k su ggested on e of wh ich fits th e blan k (3) frau du lent (4) u rgen t
appropriately. Fin d ou t th e appropri- appropriately. Fin d ou t th e appropri- (5) sk illed
ate word in each case. ate word in each case. Di r ect i on s (4 4 –5 3 ) : In th e fol-
(Un i on Ban k of I n di a PO (Cor por at i on Ban k PO lowin g passage th ere are blan k s each
Ex am . 27. 11.20 05) Ex am . 09.07.2006) of wh ich h as been n u m bered. Th ese
Th ou gh m u ch t h eor y h as (2 4 ) Most of u s are (3 4 ) of open con - n u m bers are prin ted below th e pas-
little is really k n own abou t th e power flict an d avoid it if we can . An d th ere sage an d again st each , five wor ds/
th at lies at th e (2 5 ) of scien tific dis- is a (3 5 ) to expressin g an d work in g ph rases are su ggested, on e of wh ich
coveries. It is tru e th at great scientists t h r o u gh co n f l i c t . I f t h e w o r k i n g fits th e blan k appropriately. Fin d ou t
an d discoverers (2 6 ) discovery by em - t h r ou gh i n vol ves h ar sh wor d s an d th e appropriate word in each case.
ployin g all th e (27 ) of person ality an d n am e-callin g people feel deeply h u rt (Ban k Of M ah ar ash t r a PO
by fu sin g feelin gs, reason s an d (2 8 ) an d relation sh ips can be (3 6 ). Som e- Ex am . 2 5 .0 5 . 2 00 8 )
Bu t, wh at is th e (2 9 ) syn th esis th at times perm anently. Some grou p mem- Mobile ban k in g (M ban k in g) in -
join s an d (3 0 ) th ese com pl ex part s bers m ay be afraid th at if th ey really volves th e u se of a m obile ph on e or
in t o scien tific in ven tion ? A fam ou s (3 7 ) th eir an ger, th ey m ay go ou t of an y oth er m obile device to (4 4 ) fin an -
scien tist of yesteryears h ad developed con trol an d b ecom e violen t, or t h ey cial tran saction lin k ed to a clien t's ac-
on e of th e (3 1 ) an d still gen erally (32 ) m ay do th is. Th ese fears can be very cou nt. M ban k ing is n ew in m ost cou n -
an swers to th is qu estion . Im agin ative (38 ) an d based on experience. So wh y tries an d m ost m obile paym en t m od-
(3 3 ) h e con clu des, is a com plex pro- tak e th e risk ? Wh y n ot avoid con flict els even in developed cou n tries, to date
cess in wh ich th e con sciou s an d th e at all costs ? Conflict is rath er lik e dis- operate on a (4 5 ) scale. A m obile n et-
u nconsciou s thin k ing processes jointly ease (3 9 ) is best. th at m ean s atten d-
oper ate. work offers a (4 6 ) available tech n olo-
in g to areas wh ere (40 ) m ay occu r be- gy platform on to wh ich oth er services
24. (1) gathered (2) amassed fore they become an issu e. If you h ave can be provided at low cost with effec-
(3) collected (4) especially n ot (4 1 ) a con fl ict h ap pen i n g, you r tive resu lts. For exam ple, M ban k in g
(5) accu mu lated n ext ch oice is to treat it early, or hope services wh ich u se (4 7 ) su ch as SMS
25. (1) climax (2) h eart th at it goes away. If it goes away over
can be carried at a cost of less th an
(3) foot (4) link tim e fin e. If it (4 2 ), th en you will still
on e US cen t per m essage. Th e low
h ave to h an dle (treat) it an d it is lik ely
(5) helm cost of u si n g exist in g in frastru ctu re
to be m ore (4 3 ).
26. (1) resp ect (2) treat m ak es su ch services m ore (4 8 ) to u se
34. (1) scared (2) carefu l by cu stom ers with lower pu rch asin g
(3) lik e (4) con stru ct
(3) reck less (4) aware power an d open s u p access to servic-
(5) appreciate
(5) worried es wh ich did n ot reach th em earlier
27. (1) en lightenment
35. (1) challen ge (2) m easu re du e to (4 9 ) cost of service delivery. Al-
(2) control (3) exposu re th ou gh M ban k in g is on e aspect in th e
(3) prin ciple (4) ch ance
(4) variation wider (5 0 ) of e- ban k in g th ere are rea-
(5) risk
(5) man ifestations sons to sin gle it ou t for focu s-especial-
36. (1) established
28. (1) intu itions (2) inven tion ly becau se th ere are reason s to sin gle
(2) maligned
(3) formation (4) u tcomes i t ou t for focu s-esp eci al l y b ecau se
(3) dam aged (4) rebu ilt there are a lot more people with mobile
(5) ambition
(5) involved phon es th an ban k accou n ts in In dia.
29. (1) scien tific (2) miracu lou s
37. (1) su blimate (2) express M bank ing cou ld provide a (51 ) so-
(3) generally (4) reasoned
(3) minimize (4) regu late lu tion to brin g m ore "u n ban k ed" peo-
(5) link ing
(5) con trol ple to the fin an cial m ain stream . With -
30. (1) ravage (2) m er ges
38. (1) baseless (2) imagin ary ou t tradition al credit ,in dividu als are
(3) arran ges (4) deciph ers (5 2 ) to exploitation by abu sive len ders
(3) exaggerative
(5) overstates offerin g very high in terest rates on sh ort
(4) real (5) national
31. (1) m ost attractive term loan s .Also of con siderable im -
39. (1) cu re (2) diagnosis
(2) sim plest portance are pu blic safety im plication s
(3) prescription
(3) u n swervin g (4) best for th e u n ban k ed - th ey are often vic-
(4) prevention (5) medicine tim s of crim e becau se m an y operate
(5) original
40. (1) harm ony (2) discom fitu re on a cash on ly basis an d en d u p car -
32. (1) su ggested (2) cru cial
(3) disagreem en t ryin g sign ifican t am ou n ts of cash on
(3) satisfactory (4) criticised
(4) con sen su s (5) statem en t th eir (5 3 ) or store cash in th eir h om es.
(5) con cou rse
41. (1) expressed (2) ignored 44. (1) disbu rse (2) u n dertak e
33. (1) progn osis (2) talent
(3) in du ced (4) seen (3) su bscribe (4) lu re
(3) conten t (4) discoveries
(5) perverted (5) amass
(5) inven tion

I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
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 CLOZETEST
45. (1) fu ll (2) volu min ou s Th ey feel u n deru tilised, wh ich is a for - idle (7 0 ) bu t it is virtu ally a gu aran tee
(3) su bstantial (4) limited m u la for (6 3 ) in th e lon g term . in th is sm all com m u n ity (7 1 ) m ain ly
(5) rapid 54. (1) depth (2) stage farm ers. Man y of th e fastest m ale an d
(3) m idst (4) presen t fem ale distan ce ru n n ers in th e world
46. (1) readily (2) tan gible
h ail from th i s sm all t own . A sm al l
(3) rou tin ely (4) secu rely (5) k nowledge
h an dpain ted sign which greets visitors
(5) u niqu e 55. (1) opposin g (2) rivalin g
ou tside Bek oji (72 ) “Welcome to the Vil-
47. (1) pr ocess (2) waves (3) partial (4) com petin g lage of Ath letes”. Ch ildren h ere start
(3) deliveries (4) connection (5) obsessed ru n n in g at an early age, (7 3 ) great dis-
(5) ch an nels 56. (1) transition (2) retain tan ces to fetch water an d firewood or
48. (1) valu able (2) an swerable (3) advan ce (4) su bstitu te to reach sch ool. At th e Olym pics, ru n -
(3) amen able (4) exposed (5) restrain n ers from th is sm all town are lik ely to
win m ore m edals th an th ose from de-
(5) respon sible 57. (1) obtaining (2) pu rsu ing
vel oped cou n tr i es. It wil l gi ve t h ei r
49. (1) wan in g (2) stable (3) deman d (4) direction
fam ilies a way ou t of poverty.
(3) proportionate (5) search
64. (1) popu lar (2) accepted
(4) marginal (5) high 58. (1) allu re (2) control
(3) common (4) alik e
50. (1) arch ive (2) domain (3) reward (4) perk
(5) similar
(3) pu rpose (4) com ponent (5) allu sion 65. (1) leave (2) alleviate
(5) aspect 59. (1) solu tion (2) k ey (3) forgot (4) preven t
51. (1) law abidin g (2) tried (3) h eart (4) pr eced en ce (5) red u ce
(3) reassu rin g (4) cost effective (5) occu rren ce 66. (1) shift (2) ch an ges
(5) stopgap 60. (1) ahead (2) beyon d (3) arrange (4) control
52. (1) inclined (2) immu ne (3) away (4) to (5) tran sform
(3) vu ln erable (4) su rren dered (5) sigh ted 67. (1) larger (2) fu rth er
(5) pressu red 61. (1) Decidin g (2) Catch in g (3) more (4) greater
53. (1) person (2) own (3) Keen (4) Focu ssin g (5) over
(3) relatives (4) pu rses (5) Signing 68. (1) perform ed (2) concen trated
(5) self 62. (1) pivotal (2) produ ctive (3) rival (4) focu sed
Di r ect i on s (5 4 –6 3 ) : In th e fol- (3) option al (4) mu n dane (5) playfu l
lowin g passage th ere are blan k s each (5) allied 69. (1) con fiden t (2) con vince
of wh ich h as been n u m bered. Th ese 63. (1) failu re (2) m otivation (3) optimist (4) inten ded
n u m bers are prin ted below th e pas- (3) su ccess (4) innovation (5) privilege
sage an d again st each five words are 70. (1) precau tion (2) boast
(5) potential
su ggested, on e of which fills the blank s (3) su spicion (4) risk
appropriately. Fin d ou t th e appropri- Di r ect i on s (6 4 –7 3 ) : In th e fol-
lowin g passage th ere are blan k s, each (5) worship
ate word in each case.
of wh ich h as been n u m bered. Th ese 71. (1) for (2) existing
(In di an Overseas Bank PO
Ex am .1 5. 0 6. 2 0 08 ) n u m bers are prin ted below th e pas- (3) that (4) comprising
sage an d again st each five words are (5) consisting
In t h e (5 4 ) of In d i a’s econ om i c
su ggested, on e of wh ich fits th e blan k 72. (1) wish (2) warn
b oom , In d i an Pr ofessi on al Ser vi ce
appropriately. Fin d ou t th e appropri- (3) inform (4) n otices
F i r m s (PSFs ) fr o m m a n agem en t
ate word in each case.
consu ltancies and in vestm ent bank s to (5) reads
avertisin g agen cies an d law firm s are (An dh r a Ban k PO Ex am .14.09.2008)
73. (1) competing (2) coverin g
(5 5 ) to attract th e best an d th e brigh t- With ou t dou bt there is on e th in g
(3) drivin g (4) measu ring
est talen t. Bu t to be tru ly su ccessfu l (6 4 ) to all of u s-we h ave all played a
(5) following
th ey h ave to do m ore th an th at. Lik e gam e at som e tim e in ou r lives. Most
of u s play to relax or h ave fu n , bu t for Di rect i on s (74 –8 3 ) : In the follow-
PSFs arou n d th e world th ey n eed to
m an y, playin g a gam e or a sport is a in g passage, th ere are blan k s, each of
(56 ) th eir profession als rath er th an see
way to (6 5 ) poverty beh in d. In fact, in which has been nu m bered. Th ese n u m-
th em walk ou t of th e door in (5 7 ) of
many African cou n tries, playing a sport bers are prin ted below th e passage an d
opportu nities. To achieve th at, com pa-
profession ally can (6 6 ) th e lives of a again st each , five words are su ggest-
n ies often rely on th e (5 8 ) of sprawl-
person ’s en tire fam ily. ed, on e of wh ich fits th e blan k appro-
in g cam pu ses an d lu xu riou s facilities.
priately. Fin d ou t th e appropriate word
Bu t n on e of th is gets to th e (5 9 ) of th e For exam ple, in th e sm all town
in each case.
problem , wh ich is wh en you n g profes- of Bek oji, in Eth iopia (6 7 ) th an a h u n -
dred boys an d girls can be seen ru n - (Ban k Of Bar oda Speci al i st Of f i cer
sion als join PSFs th ey h ave expecta-
Ex am . 0 5 .1 0 . 2 00 8 )
tion s wh ich go far (6 0 ) th e n atu re of n in g at dawn everyday. Each of th ese
facilities. (61 ) on to do creative, th ou ght you th i s (6 8 ) an d seriou s an d th eir Man k ind h as seen rapid (74 ) in th e
provok in g work , th ey often fin d th em - coach is (6 9 ) th at on e of th em will be a last 15 0 years becau se of t h e m ass
selves en gaged in doin g (62 ) activities. world ch am pion . Th is seem s lik e an man u factu ring techn iqu es (75 ) in west-

I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
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 CLOZETEST
ern n ation s an d later tak en to n ew lev- 81. (1) u ses (2) demands 89. (1) adverse (2) opposing
els of efficien cy by J apan . Mass pro- (3) advertisemen ts (3) corru pt (4) rejected
du ction an d produ ction for th e m ass- (4) consu m ption (5) goods (5) misleading
es becam e th e bases of n ew bu sin ess
82. (1) visible (2) secu re 90. (1) deplete (2) plu nge
strategies. Large scale con su m ption by
(3) fu ndam ental (4) overt (3) declin ed (4) weak en
all with th e social ben efit of (7 6 ) pov-
erty becam e th e dom in an t econ om ic (5) flexible (5) fell
strategy. Th e adven t of electricity an d 83. (1) vi ew (2) win gs 91. (1) Un less (2) Despite
its large-scale application to ligh tin g, (3) vogu e (4) isolation (3) In stead (4) Wh eth er
h eatin g an d operatin g m ach in es add- (5) ord er (5) Regardless
ed a fresh dim en sion to m an u factu r - Di r ect i on s (8 4 –9 3 ) : In th e fol- 92. (1) differen ce (2) effect
in g. By th e 1950s cam e (7 7 ) in elec- lowin g passage th ere are blan k s, each
tron ics and transistor devices to be fol- (3) con trast (4) qu estion
of wh ich h as been n u m bered. Th ese
lowed by inn ovation s in microelectron - (5) option
n u m bers are prin ted below th e pas-
ics, com pu ters an d variou s form s of sage an d again st each , five words are 93. (1) ack n owledge (2) su ggest
sen sors all of wh ich (7 8 ) altered th e su ggested on e of wh ich fits th e blan k (3) care (4) in spire
manu factu ring scene. It is now no lon g- appropriately. Fin d ou t th e appropri- (5) stu dy
er n ecessary to m ak e prototypes in a ate word in each case. Di r ect i on s (9 4 –1 0 4 ) : In th e fol-
factory or a laboratory to stu dy a n ew (Or i en t al Ban k Of Com m er ce lowin g passage th ere are blan k s, each
produ ct. Man y n ew produ cts can be PO Ex am . 21. 12. 200 8) of wh ich h as been n u m bered. Th ese
(79 ) on com pu ters and th eir beh aviou r Recen tly th e World Ban k an d th e n u m bers are prin ted below th e pas-
sim u lated on th em . By ch oosin g an Asian Developm en t Ban k (ADB) (8 4 ) sage an d again st each , five words are
optim u m design th rou gh su ch simu la- separate reports on poverty. Th e World su ggested, on e of wh ich fits th e blan k
tion s, com pu ter program m es can di- Ban k Report (8 5 ) its ben chm ark of ex- appropriately. Fin d ou t th e appropri-
rectly (80 ) th e man u factu ring process- trem e poverty by 25 cen ts from $1 per ate word in each case.
es. Th ese processes are gen erally called person per day to $1.25 per person a
Com p u t er Ai ded D esign (CAD ) an d (PNB Agr i cul t ur e Of f i cer
day. Th e ADB an n ou n ced an even (86 ) Ex am .0 4 .0 1 .2 0 09 )
Com p u t er Assi st ed M an u fact u r i n g ben ch m erk of $1.35 per person a day.
(CAM). Th ese capabilities are leadin g Decades ago, Chin a (9 4 ) th e con -
Th ese n ew b en ch m ar k s are (8 7 ) on
to n ewer form s of (8 1 ) by cu stom ers. su rveys in th e world’s poorest cou n - cept of 'barefoot doctors'. Th ey were
Each cu stom er can be offered several tr ies. com m u n ity h ealth car e work ers wh o
special option s. Cu stom ised produ ct su ccessfu lly (9 5 ) th e health of Ch in a's
Experts often lik e to (88 ) th at pov-
design or (8 2 ) m an u factu rin g are oth - villages. Followin g th is exam ple, m an y
erty h as declin ed becau se of econ om -
er popu lar techn iqu es cu rren tly in (83 ) ic growth in In dia an d Ch in a. Th is is African, Asian and Latin American cou n-
in m an y developed cou n tries. wron g an d (8 9 ). In th e past twen ty- tries h ave star ted (9 6 ) pr ogram m es.
74. (1) havoc five years th e poverty rate in In dia h as Th e largest of su ch com m u n ity h ealth
(2) tran sformation (9 0 ) by less th an on e percen tage poin t efforts is In dia's Nation al Ru ral Health
a year. (9 1 ) we u se a poverty lin e of Mission . In (9 7 ) over th ree years, th e
(3) destru ction
$1 per person per day or $1.25 per pr ogram m e h as m obi lized over fifty
(4) violence thou sand new commu nity health work -
person per day m ak es little (9 2 ). Th e
(5) deforestation n u m ber of poor in In dia is large. Th e ers, each (9 8 ) as 'Ash a'. Th is is sh ort
75. (1) discarded (2) resort ed pu r pose of th ese st atist ics i s n ot to for 'Accredited Social Health Activist'
(3) indu lged (4) perfected dispu te th em bu t to (9 3 ) wh eth er th e an d tran slated in to Hin di is th e word
(5) design ated ben efits of econ om ic growth are bein g (9 9 ) h ope.
76. (1) removing (2) nu rtu ring sh ared with th e poor. Today techn ology compan ies and
84. (1) declared (2) released fou n dation s are also join in g th e (1 0 0 )
(3) appeasin g (4) cajoling
(3) prin t (4) issu e to su pport com mu n ity h ealth work ers.
(5) masterin g
(5) pu blish M ob i l e p h on e com p an i es ar e (1 0 1 )
77. (1) additions (2) gadgets th ese work ers with ph on es an d su p-
85. (1) h eigh ten ed (2) ann ou n ced
(3) modifications port systems to obtain u p to date med-
(3) raised (4) maintain ed
(4) variety (5) in ven tions ical in form ation , call am bu lan ces etc.
(5) n otified In th e (1 0 2 ) years, com m u n ity h ealth
78. (1) immediately (2) precisely
86. (1) better (2) sign ifican t w or k er s can t h u s h el p (1 0 3 ) t h e
(3) irreversibly (4) in defin itely
(3) plau sible (4) h igh er spread of m an y devastain g bu t cu r -
(5) measu rably
(5) lower able diseases.
79. (1) design ed (2) produ ced
87. (1) based (2) collected 94. (1) gives (2) research es
(3) manu factu red (3) in ferred (4) deri ved (3) in trodu ced (4) origin ates
(4) sold (5) pu rch ased (5) gath ered (5) enligh tened
80. (1) inspire (2) cu ltivate 88. (1) realise (2) claim 95. (1) im proved (2) en tru sted
(3) visu alise (4) drive (3) discover (4) recom m en d (3) fou gh t (4) cu red
(5) cu rtail (5) criticise (5) dealt
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-86-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
 CLOZETEST
96. (1) thou sands (2) alik e 106. (1) don ated (2) dem anded 117. (1) appropriate
(3) imitated (4) similar (3) dwin dled (4) spen t (2) sym path etic
(5) n aming (5) pock eted (3) h arsh
97. (1) cou rse (2) less 107. (1) h esitate (2) com e (4) u n preceden ted
(3) approxim ate (4) period (3) defy (4) h ave (5) exorbitan t
(5) ju st (5) admit 118. (1) root (2) dissem in ate
98. (1) referred (2) k n own 108. (1) decreed (3) ran ge (4) deviate
(3) perceived (4) regarded (2) refrain ed (5) em erge
(5) called (3) com m ented 119. (1) to (2) even
99. (1) den otes (2) describes (4) adm onished
(3) with (4) into
(3) for (4) explain s (5) visu alized
(5) for
109. (1) con su m ers (2) advocates
(5) m ean s 120. (1) pu nish ment (2) m em os
(3) exponen ts (4) produ cers
100. (1) bu sin ess (3) indisciplin e (4) su spen sion s
(5) u sers
(2) m em bersh ip (3) scope (5) cu rtailm en t
110. (1) revok ed (2) forced
(4) effort (5) pu rpose 121. (1) all (2) th ese
(3) squ ash ed (4) abandoned
101. (1) provided (2) bu yin g (3) abu n dant (4) wh ich
(5) en acted
(3) equ ipped (4) su pplied (5) only
111. (1) regain (2) claim
(5) em powerin g 122. (1) with (2) u n der
(3) pay (4) deman d
102. (1) com in g (2) n ext (3) for (4) on
(5) con sider
(3) past (4) few (5) abou t
112. (1) practice (2) reason
(5) previou s 123. (1) h arsh (2) decen t
(3) com pensation (4) issu e
103. (1) overlook (2) cu rb (3) qu ick (4) respon sible
(5) won der
(3) protect (4) en rich (5) corrective
113. (1) force (2) plead
(5) n eglect ) Di r ect i on s (1 2 4 –1 3 3 ) : In t h e
(3) appeal (4) du pe
Di rect i on s (104–113 ) : In th e fol- foll owin g passage t h ere are b lan k s,
(5) follow
lowin g passage th ere are blan k s, each each of wh ich h as b een n u m bered.
of wh ich h as been n u m bered. Th ese Di rect i on s (11 4–12 3) : In the fol-
Th ese n u m bers are prin ted below th e
n u m bers are prin ted below th e pas- lowin g passage, th ere are blank s, each
passage an d again st each , five words
sage an d again st each , five words are of wh ich h as been n u m bered. Th ese
are su ggested, on e of wh ich fit s th e
n u m bers are prin ted below th e pas-
su ggested on e of wh ich fits th e blan k blan k appropriately. Fin d ou t th e ap-
sage an d again st each , five words are
appropriately. Fin d ou t th e appropri- propriate word in each case.
su ggested, on e of wh ich fits th e blan k
ate word in each case. (Indi an Overseas Bank PO
appropriately. Fin d ou t th e appropri-
(Can ar a Ban k PO Ex am .15.03.2009) ate word in each case. Exam . 05.04 .2009)
Th e U.S. i s i n t h e (1 0 4 ) of a (UCO Ban k PO Ex am .22.03.2009) O n O c t ob er 2 , 1 9 8 3 t h e
clean u p of toxic fin an cial waste th at Em ployee m iscon du ct, (1 1 4 ) of Gr am een B an k Pr oj ect (1 2 4 ) t h e
will (1 0 5 ) taxpayers h u n dreds of bil- leave, tardin ess, abu se of lu n ch h ou rs Gr am een B an k . We i n vi t ed t h e Fi -
lion s of dollars at th e very least. Th e or coffee break s, (1 1 5 ) to com ply with n an ce Min ister to be th e Ch ief Gu est
prim ary m an u factu rers of th ese h az- th e agen cy’s procedu res, or an y oth er at ou r (1 2 5 ) cerem on y. Bu t wh en th e
ardou s produ cts (106) multimillion-dol- (1 1 6 ) of th e em ployee/ em ployer rela- Min istry cam e to (1 2 6 ) th at th e cere-
lar paych eck s for th eir efforts. So wh y tion sh ip are exam ples of problem s for mony wou ld tak e place in a remote dis-
sh ou ldn ’t th ey (1 0 7 ) to pay for th eir wh i ch d i sci p l i n ar y act i on s m ay b e t r i ct , t h ey sai d i t wou ld n ot be an
m opu p ? Th is is, after all, wh at th e (11 7). Su ch actions (11 8) from admon- (12 7) place to lau n ch a Bank and that
U.S. Con gress (1 0 8 ) in 1980 for (1 0 9 ) ish m en ts, warn in gs an d oral or writ- the ceremony sh ou ld be (1 28 ) in Dha-
of act u al t o x i c w ast e. U n d er t h e ten reprimands (11 9) (12 0), redu ction- k a so th at all th e top Govern m en t Of-
Su per fu n d law (1 1 0 ) th at year, pollu t- in-grade or pay, or removal. Many agen- ficials cou ld (1 2 9 ). We stood fir m an d
ers (1 1 1 ) for th e m esses th ey m ak e. cies h ave form alized (1 2 1 ) in tables of (1 3 0 ) to th em th at we did not work in
En viron men tal lawyer E. Michael Th o- pen alties or gu idelin es (1 22 ) (1 2 3 ) ac- u rban areas so it m ade n o (1 3 1 ) to
m as sees n o (1 12 ) lawm ak ers cou ldn ’t tion. h ave th e cerem on y in a city (1 3 2 ) we
dem an d th e sam e of fin an cial pollu t- 114. (1) su bmission (2) cancellation h ad n o borrowers. We h ad th e cere-
ers an d (1 1 3 ) th em to an te u p som e of (3) deman d (4) application m on y in a big open field with th e Fi-
th e ban k bailou t m on ey. (5) abu se n a n c e M i n i st er p r es en t as C h i ef
104. (1) ran ge (2) depth 115. (1) displeasu re (2) failu re Gu est. For all of u s wh o h ad work ed
(3) m idst (4) essen ce (3) relu ctan ce (4) an xiety so h ard to (1 3 3 ) th is it was a dream
(5) debate (5) h esitation com e tru e.
105. (1) ben efit (2) cost 116. (1) variation (2) in stan ce 124. (1) becam e (2) reorgan ised
(3) earn (4) facilitate (3) form (4) breach (3) m erged (4) n am ed
(5) save (5) con du ct (5) con verted

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125. (1) induction (2) opening n ess in ch ildren livin g in u rban areas cou n try tod ay i s a r esu l t of sk ewed
(3) closing (4) dedicated is on th e (1 41 ) with more cases of Asth- (1 4 8 ) to k n owledge. To address th is
(5) inau gu rate m a bein g (1 4 2 ) becau se of pollu tion . we need a su bstantial expan sion in ed-
Th e fu tu re of cities of In dian dream s u cational opportu n ities, with a special
126. (1) acquaint (2) reveal
depen ds on (1 4 3 ) we can bu ild better (1 4 9 ) on in clu sion of th e u n derprivi-
(3) k now (4) aware
cities today. leged.
(5) inform
134. (1) till (2) sin ce At th e bottom of th e pyram id,
127. (1) obviou s (2) excellen t steps m u st be tak e to (1 5 0 ) access to
(3) from (4) after
(3) available (4) inau spiciou s qu ality edu cation . Wh ile th e govern -
(5) on
(5) appropriate m en t h as tak en steps to en su re edu -
135. (1) faster (2) slower
128. (1) held (2) in vited cation to all, wh ere it lack s in its ef-
(3) ch an ged (4) sp eed
(3) assem bled (4) done forts is th e qu ality perspective. Bein g
(5) qu ick
(5) sh ifted a spirally u pward drive, edu cation can
136. (1) specu lated (2) believed n ot be (1 5 1 ) to im prove at th e h igh er
129. (1) en tertain (2) presen t
(3) im agin ed (4) con sidered level lest it im proves at th e very grass
(3) accom pany (4) attend
(5) u n derstan d root level. Th e top of th e pyram id, i.e.
(5) in volve
137. (1) paym en t (2) rate h igh er edu cation is also u n even . Stu -
130. (1) refu sed (2) apologised den ts stru ggle to com pete in th e ex-
(3) costs (4) ch arge
(3) told (4) explain ed am s wh ich (1 5 2 ) a sou n d k n owledge
(5) expen se
(5) denied of En glish . Wh ile can didates are ex-
138. (1) abu ndance (2) large
131. (1) point (2) differen ce pected to travel several k ilom etres to
(3) fu nction al (4) vicin ity
(3) sen se (4) difficu lty reach sch ool to obtain an y edu cation ,
(5) location
(5) meaning th e h igh er edu cation organ ization s of-
139. (1) brin g (2) em ph asizes ten (1 5 3 ) can didates from vern acu lar
132. (1) wh ich (2) wh ere
(3) specu lates (4) postu lates m edia th rou gh State spon sored exam s
(3) wh ile (4) th at
(5) requ ests and prou dly affirm th em as ‘u nbiased’.
(5) h owever
140. (1) Good (2) Com peten t 144. (1) th ick ly (2) widely
133. (1) perform (2) obey
(3) Absen ce (4) In adequ ate (3) am ple (4) partly
(3) achieve (4) discover
(5) Su fficien t (5) con sidered
(5) bu ilt
141. (1) m u ltiplication 145. (1) adh ere to (2) gath er
Di rect i on s (13 4–14 3) : In the fol-
(2) expansion (3) rise (3) cover (4) con tact
lowin g passage th ere are blan k s, each
(4) inflation (5) grow (5) m eet
of wh ich h as been n u m bered. Th ese
n u m bers are prin ted below th e pas- 142. (1) produ ced (2) develop 146. (1) sou gh t (2) wan ted
sage an d again st each , five words are (3) com posed (4) resu lted (3) seek s (4) attempt
su ggested, on e of wh ich best fits th e (5) reported
(5) determ in ed
blan k appropriately. Fin d ou t th e ap- 143. (1) if (2) wh eth er
propriate word in each case. 147. (1) adequ ate (2) su fficien t
(3) u n less (4) provided
(Un i t ed Bank Of I n di a PO (3) influ en ce (4) pace
(5) weath er
Exam . 21.06 .2009) (5) ahead
Di rect i on s (144–153 ) : In th e fol-
Twen ty years (1 3 4 ) n ow, n early 148. (1) access (2) approaching
lowin g passage th ere are blan k s, each
60% of th e world’s popu lation will live of wh ich h as been n u m bered. Th ese (3) righ ts (4) infiltration
in u rban areas. Th e im pact of u rban - n u m bers are prin ted below th e pas- (5) excess
ization m igh t n ot all be positive on In - sage an d again st each , five wor ds/ 149. (1) aspiration (2) in ten sity
dia as u rban expan sion is h appen in g ph rases are su ggested on e of wh ich
at a m u ch (1 3 5 ) rate th an in frastru c- (3) im portan t (4) place
fits th e blan k appropriately. Fin d ou t
tu re expan sion . (5) em ph asis
th e appropriate words/ ph rases in each
Su stain ability issu es n eed to be 150. (1) enjoy (2) help
case.
(1 3 6 ) so th at econ om ic developm en t (3) provide (4) dim inish
(An dh r a Bank PO Exam . 05.07.2009)
is n ot at th e (1 3 7 ) of pu blic h ealth . (5) deepen
Today it is (1 4 4 ) recogn ized th at
Som e u rban services th at ou gh t to be 151. (1) awaited (2) ju dged
t h e 2 1 st cen t u r y wi l l b e d r i ven b y
in (1 3 8 ) in a city lik e water, electricity,
k n owledge. To (1 4 5 ) th e ch allen ges of (3) thou ght (4) expected
tran sport etc. n eed special con sider -
th is cen tu ry, In dia n eeds to u sh er in a (5) said
ation.
k n owled ge r evolu t ion th at (1 4 6 ) t o 152. (1) deman d (2) h as
TERI h as pu t togeth er a detailed
brin g abou t system ic ch an ges in edu -
report th at (1 3 9 ) su stain ability in th e (3) con su m e (4) expects
cation .
provision of basic u rban services in In - (5) wan ts
Wh ile ou r econ om y h as made sig-
dian cities. 153. (1) discou rages
n ifican t strides, th e edu cation system
(1 4 0 ) pu blic tran sport is a major (2) disobey (3) con test
h as n ot k ept (1 47 ) with th e aspiration s
reason for th e proliferation of private
of th e you th . Th e vast disparity in th e (4) assu m e (5) reject
veh icles on th e road. Respiratory ill-
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Di rect i on s (15 4-163 ) : In th e fol- 163. (1) on e (2) m u ch 167. (1 ) resu lt ed (2) cau sed
lowin g passage th ere are blan k s, each (3) everyon e (4) m ore (3) associated (4) in flu en ced
of wh ich h as been n u m bered. Th ese (5) sin gu lar (5 ) cr eat ed
n u m bers are prin ted below th e pas-
Di rect i on s (16 4-17 3) : In th e fol- 168. (1) resu lt (2) deter m in e
sage an d again st each , five words are
lowin g passage th ere ar e blan k s, each (3 ) affect (4) ou tcom e
su ggested, on e of wh ich fits th e blan k
of wh ich h as been n u m bered. Th ese (5) contribu te
appropriately. Fin d ou t th e appropri-
n u m bers are pri n ted below th e pas-
ate word in each case. 169. (1) atten ded (2) pr esu m ed
sage an d again st each , five wor ds/
(PNB Speci al i st Of f i cer 's (3 ) regard ed (4) valu ed
ph rases are su ggest ed on e of wh i ch
Exam .1 6. 08 . 20 09 ) (5) respon sible
best fi ts th e blan k appropriatel y. Fin d
Sin ce (1 5 4 ) tim es, people h ave ou t t h e appr opr iate word/ ph rase in 170. (1 ) h el ps (2) im pacts
(1 5 5 ) th at h u m an activity cou ld affect each case. (3) decl in e (4) distin tegrates
the environ m en t. Th e discovery of past (Cor por at i on Ban k PO (5) im proves
ice ages sh ows th at Earth ’s clim ate is Exam . 22.11 .2009) 171. (1) th ou gh t (2) explain ed
in con stan t (1 5 6 ) an d th at (1 5 7 ) h is-
As th e t em perat u re (1 6 4 ) d u ri n g (3 ) ex pect ed (4) in terrogated
tory, scien tists have (1 58 ) for the cau se
the su m mer season, man y h ou seh olds (5 ) r aised
of th ese ch an ges. Th ou gh sci en ti sts
tu rn to air con diti on ers to k eep th em
discovered the green h ou se effect in th e 172. (1) t ryin g (2 ) ex pect ed
cool. Air con ditioners wh ich were on ce
late 19th cen tu ry, th e th eory of global (3) developin g (4) work in g
regar ded as a r esid en t ial lu xu ry h ave
warm ing wasn ’t (1 59 ) as a scientifically (5) in ventin g
n ow b ecom e a (1 6 5 ). En joyin g a cool-
p r oven fact u n t i l 1 9 9 2 w h en t h e 173. (1) di sabled (2 ) h elpless
er at m osph ere du ri n g h ot weath er is
Un ited Nation s h eld a Con feren ce on
n ot t h e on ly ben efi t of u sin g th e air (3) u n wan ted (4 ) aware
En vironm en t and Development. Today,
con dition er. A h ou seh old, a veh icle, or (5) relu ctan t
global warm in g is a (1 6 0 ) accepted re-
a bu i ldi n g b ecom es cl ean er an d safer Di rect i on s (17 4–18 3) : In the fol-
ality an d (1 6 1 ) abou t its effects ran ge
for b reath i n g as air con dit ion in g al so lowin g passage th ere are blan k s, each
from th e h ysteria to th e acceptan ce.
(1 6 6 ) t h e growt h an d spread of h ar m - of wh ich h as been n u m bered. Th ese
New sp ap er s ch r on i c l e t h e sl o w l y
fu l m icroorgan ism s. n u m bers are prin ted below th e pas-
ch an gin g clim ate an d th e action s th at
However, alon g wit h t h e b en efit s, sage an d again st each , five words are
h ave (1 6 2 ) th at ch an ge. From devel-
som e d i sad van tages ar e al so (1 6 7 ) su ggested, on e of wh ich fits th e blank s
opin g n ation s to in du strial cou n tries,
wi th it. On e of t h e m ost con tr oversi al appropriately. Fin d ou t th e appropri-
global clim ate affects (1 6 3 ).
topics at tach ed to th e su bject of air ate word in each case.
154. (1) lon g (2) great
con di tion in g d eals wi th som e of t h e (I n di an Ban k Rur al M ar k et i n g
(3) u rgen t (4) an cien t m aterials th at are u sed to produ ce th e Of f i cer Ex am . 22.11 .2009)
(5) ston e-age cooli n g effect – Fl u or ocarbon s. Th ese Th e world’s clim ate h as always
155. (1) believed (2) su cceeded refri geran ts (1 6 8 ) t o gl obal warm i n g
ch an ged an d species h ave evolved ac-
(3) wish ed (4) lost an d are (1 6 9 ) as on e of t h e m ain ways cordin gly to su rvive it. Th e su rprisin g
(5) wan ted in wh ich air -condition ing (1 70 ) th e in -
fact abou t the (1 74 ) between evolu tion
vi ron m n et. Flu orocarbon refrigeran ts an d global warmin g (1 75 ) that it is n ot
156. (1) hot (2) flu x
al so add to th e pr obl em s con cern i n g
(3) figh t (4) ch an ges lin ear. (17 6) temperatu res alone are not
ozon e l ayer dep leti on . (17 7) of evolu tion . Evolu tion is also the
(5) reality
Wh i le air con di tion in g provides a (1 7 8 ) of season al ch an ges. As th e en -
157. (1) with (2) for tem porary reli ef an d m ak es h eat wave viron m en t (1 7 9 ) th ose species wh ich
(3) to (4) throu ghou t m ore bear abl e, m an y qu est ion s h ave don’t adapt (18 0) to exist. Bu t the sheer
(5) as been (1 7 1 ) on h ow m u ch t h e wor ld (1 8 1 ) of m an m ade clim ate ch an ge to-
158. (1) con tribu te (2) talk ed wi ll pay in th e lon g ru n in ter m s of day is (1 8 2 ). ‘Bad th in gs are h appen -
(3) resign ed (4) visited th e en vir on m en tal dam age th at it h as in g’an d by on e (1 8 3 ) global warm in g
cau sed . Today, scien tists are (1 7 2 ) on cou ld th reaten u pto on e-th ird of th e
(5) search ed
m ak in g m ore en viron m en tal fri en d ly world’s species if left u n ch eck ed. In
159. (1) accepted (2) false
produ ct s, bu t for n ow, in dividu als are fact a lot of th e species wh ich will be
(3) real (4) greeted (1 7 3 ) t o p art wi th th ei r i n st an t cool able to su rvive are th e on es we con -
(5) expected du rin g th e t h ick of su m m er. sider pests lik e in sects an d weeds.
160. (1) rarely (2) widely 164. (1 ) d ecr eases (2 ) r ises 174. (1) differen ce (2) sim ilarity
(3) wrongly (4) leisu rely (3 ) deviat es (4) flu ctu ates (3) argu m en t (4) relationship
(5) faith fu lly (5 ) vari es (5) allian ce
161. (1) prin ciples (2) variou s 165. (1) irr eplaceab le 175. (1) bein g (2) seem s
(3) m easu rem en t (2) obligatory (3) cer tain ty (3) m ain ly (4) besides
(4) idea (5) specu lation (4 ) n ecessi ty (5) redu n dan cy (5) is
162. (1) mean in g (2) work ed 166. (1 ) pr even ts (2 ) escap es 176. (1) However (2) Mou n ted
(3) affected (4) cau se (3) k ills (4 ) rem oves (3) Risin g (4) Elevatin g
(5) witn ess (5) pu rifies (5) In clin in g
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177. (1) m ean s (2) triggers 185. (1) averse (2) close in g plan ts were (2 0 0 ) to do was to pro-
(3) respon ses (4) th reats (3) swept (4) u sed vi de ‘cert i fi ed’ seeds of food crop s,
(5) stimu lu s (5) immu ne m ain ly self-pollin at in g crops, to farm -
er s. In m id-198 0s, th e In ter n at ion al
178. (1) resu lt (2) precu rsor 186. (1) in terested (2) in stru mental
Ri ce Research In sti tu t e (IRRI) i n t h e
(3) resistan ce (4) cau se (3) eager (4) relu ctan t Ph ili ppi n es con clu ded a stu dy wh i ch
(5) provocation (5) particu lar (2 0 1 ) t h at th ere was h ar dly an y di f-
179. (1) con serves (2) stifles 187. (1) class (2) origin feren ce in th e cr op yiel ds from t ran s-
(3) predicts (4) ch an ges (3) cou n try (4) fam ily pl an t ed rice an d from th e crop sown
(5) em erges (5) comm u nity b y b r oad cast ed seed s. On e w ou l d
180. (1) con tinu e (2) h alt 188. (1) con cern (2) reveren ce wonder why, in th e first in stan ce, were
(3) cease (4) term inate th e farm er s, ask ed to (2 0 2 ) over t o
(3) apath y (4) jobs
tr an splan ti n g padd y ? Th e an swer is
(5) discon tinu e (5) in differen ce si m pl e — probab ly, to h el p th e m e-
181. (1) lu ck (2) valu e 189. (1) assistan ce (2) conviction ch an i cal in d u st ries gr ow. Si n ce rice,
(3) collapse (4) pace (3) harm on y (4) faith is th e staple food in Asia, tractor sales
(5) attention (5) con flict cou ld on l y grow if th ere was a way to
182. (1) th reaten ed (2) pu rsu ed 190. (1) am on g (2) within m ove th e m ach in e i n t h e rice fi eld s.
(3) u n preceden ted (3) between (4) from No won der, th e sales of tractors, pu d-
(4) record (5) debated d lers, reap er s an d oth er associated
(5) with
183. (1) forecast (2) ch an ce (2 0 3 ) soared i n t h e r ice gr owin g ar -
191. (1) with drawin g eas.
(3) pattern (4) occasion (2) gen tle (3) stu bborn 194. (1) irrational
(5) imagination (4) aggressive (5) docile (2) m ain (3) brillian t
Di rect i on s (1 84-19 3) : In the fol- 192. (1) althou gh (2) with ou t
lowin g passage th ere are blan k s, each (4) importan t (5) em path etic
(3) h e (4) beside
of wh ich h as been n u m bered. Th ese 195. (1) m ain taining
(5) after
n u m bers are prin ted below th e pas- (2) tru stin g (3) sellin g
sage an d again st each , five words are 193. (1) dem on strated
(4 ) p rocessi n g (5) creat in g
su ggested, on e of wh ich fits th e blan k (2) imitated (3) bypassed
196. (1) n ecessar ily
appropriately. Fin d ou t th e appropri- (4) observation (5) did
(2) exception ally
ate word in each case. Di r ec t i on s (1 9 4 –2 0 3 ) : In t h e
(3) prim arily (4) regu larly
(I n di an Ban k PO Ex am .17.10.2010) foll owin g passage t h ere are b lan k s,
each of wh ich h as b een n u m bered. (5) tru ly
Clem en t Atlee becam e th e Prim e
Min ister of En glan d after th e Secon d Th ese n u m bers are pri n ted b elow t h e 197. (1) u n explained
World War. Win ston Chu rchill who h ad passage an d again st each , fi ve wor ds (2) dou bt (3 ) som e
su ccessfu lly (1 84 ) En glan d an d the al- ar e su ggested. on e of wh ich fit s t h e (4 ) tr u e (5 ) sad
lies to victory over Hitler was n ow re- bl an k app rop riately. Fin d ou t th e ap- 198. (1) h i m self (2) som etim es
jected by the En glish people at the hu st- pr opr iat e word in each case. (3 ) p rop er (4) im pr ove
in gs. Labou r Party was (1 8 5 ) to power (Al l ah abad Ban k PO Ex am .21.02.2010)
(5 ) t h em selves
an d Atlee becam e th e Prim e Min ister. Seed qu ality is an (1 9 4 ) aspect
On e of h is m em orable task s was th at 199. (1) establish ed
of cr op p rod u ct ion . For ages, farm ers
h e was (1 8 6 ) in gran tin g In dia its free- (2 ) cr eat ed (3 ) set
h ave trad iti on ally been selectin g an d
dom . Atlee was born in a well-to-do (1 9 5 ) good qu ali ty seed , sin ce i t was (4) wou n d (5) th ou gh t
(1 8 7 ) bu t h e always h ad (1 8 8 ) for th e in th eir in t erest t o d o so. Th ey k n ew 200. (1 ) t ri ed (2) m attered
p oor an d t h e d own -t r od d en . H e i s and u nderstood the importance of qu al- (3) m eanin g (4 ) su pposed
k n own for k eepin g (1 8 9 ) an d coopera- it y seed in produ ction . (5) expect
tion am on g h is cabin et colleagu es. Not
H ow ever, w i t h t h e ad ven t of 201. (1) ren ou n ced
th at th ere were n o differen ces of opin -
gr een r evol u t i on t ech n ol ogy, b ased (2 ) sh owed (3 ) p assed
ion (1 9 0 ) h is cabin et m em bers, bu t
(1 9 6 ) on t h e h igh -yi eld in g dwarf var i-
Atlee, by h is (1 9 1 ) n atu re an d posi- (4 ) n egat ed (5 ) di rect ed
et ies of wh eat an d ri ce, m ain stream
tive approach, always managed to k eep 202. (1 ) sh i ft (2 ) m ak e
th in k in g ch an ged . Agri cu ltu r al sci en -
th em togeth er an d h ad con t rol over (3) tu rn (4) m u ll
ti sts, for reason s th at rem ain (1 9 7 ),
th em (1 9 2 ) bein g sym path etic to th e
began to dou bt , t h e abil ity of farm ers (5 ) swit ch
cau se of India, an d gran tin g In dia free-
to m ain t ain seed qu al ity (1 9 8 ). Aid ed 203. (1 ) sell (2) equ ipmen ts
dom , h e (1 93 ) m an y a con stru ctive ac-
by th e World Ban k , th e Min istry of Ag- (3 ) p eop le (4) tech n iqu es
tivity for his cou n try too, lik e n ational-
ri cu l tu r e l au n ch ed a Nat ion al Seeds (5 ) creatu r es
ization of som e in du stries, an d start-
Pr oject i n 1 9 6 7 . Un d er th e p r oj ect
in g nation al h ealth sch em e. Di r ec t i on s (2 0 4 –2 1 3 ) : In t h e
sp read i n to th ree ph ases, seed pr o-
184. (1) isolated (2) establish ed foll owin g passage t h ere are b lan k s,
cessin g p lan ts were (1 9 9 ) u p in n i n e
(3) con qu ered (4) marginalized each of wh ich h as b een n u m bered.
st ates. Six states wer e covered u n d er
(5) led Th ese n u m bers are pri n ted b elow t h e
ph ase three. All th at th e hu ge process-
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passage an d again st each , fi ve wor ds Di rect i on s (2 14–2 23) : In th e fol- 221. (1) persu ade (2) ascertain
ar e su ggested, on e of wh ich fit s t h e lowin g passage th ere are blan k s, each (3) influ en ce (4) im pede
bl an k app rop riately. Fin d ou t th e ap- of wh ich h as been n u m bered. Th ese (5) estimate
pr opr iat e word in each case. nu mbers are printed below th e passage 222. (1) thou ght (2) credited
(Cor por at i on Ban k PO an d against each, five words/ ph rases
(3) iden tified (4) believed
Ex am .0 9 .0 5 .2 0 10 ) are su ggested, on e of wh ich fit s th e
blank appropriately. Find ou t the appro- (5) su pposed
Th e world ’s cli m at e h as always
priate word/ phrase in each case. 223. (1) derive (2) fram e
ch an ged an d sp eci es h ave evol ved
accord in gl y to su r vive it . Th e su rpri s- (Pun j ab & Si n d Ban k PO (3) figu re (4) con sider
in g fact abou t th e (2 0 4 ) b etween evo- Ex am .1 6 .0 5 .2 0 10 ) (5) pu t
lu tion an d global warm in g (2 0 5 ) th at Th e world is goin g (2 1 4 ) a deep Di rect i on s (22 4–23 3) : In the fol-
it is n ot lin er. (20 6) tem peratu res alon e recession . At su ch a tim e, on e th in g lowin g passage th ere are blan k s, each
ar e n ot (2 0 7 ) of evolu tion . Evol u ti on we n eed in abu n dan ce is jobs for th e of wh ich h as been n u m bered. Th ese
is al so th e (2 0 8 ) of season al ch an ges. sem i-sk illed and u n sk illed. Th is is th e n u m bers are prin ted below th e pas-
As th e en vir on m en t (2 0 9 ) t h ose sp e- on ly way in wh ich equ al (2 15 ) of wealth sage an d again st each , five words are
ci es wh ich d on ’t ad apt (2 1 0 ) t o exist. can tak e place. Th e h ealth care in du s- su ggested, on e of wh ich fits th e blank s
try is (2 1 6 ) poised to occu py th is posi- appropriately. Fin d ou t th e appropri-
Bu t th e sh eer (2 1 1 ) of m an m ade cl i-
tion . The IT in du stry h ires people from ate word in each case.
m at e ch an ge t od ay i s (2 1 2 ). ‘B ad
th in gs are h appening’an d by one (21 3) th e u pper -m iddle strata an d rich fam - (Ban k Of Bar oda PO Ex am .30.05.2010)
gl obal warm i n g cou l d t h reaten u p to i l i es, u su al l y en gi n eer s, (2 1 7 ) t h e Prior to in dependence the h ealth-
on e-t h ird of th e world ’s species if left healthcare indu stry hires nu rses, to the care sector in In dia was in a (2 24 ) with
u n ch eck ed. In fact a lot of th e sp e- tu n e of eigh ty percen t of th e jobs cre- a large n u m ber of deaths an d ram pan t
ci es wh i ch wil l b e ab le to su r vive are ated, from th e lower econ om ic strata. spread of in fectiou s diseases. After in -
th e on es we con sider pest s li k e i n - Global h ealth care is a $ 4.5 tril- depen den ce th e Govern m en t of In dia
lion in du stry, (2 1 8 ) on ly to th e agro laid (2 2 5 ) on prim ary h ealth care an d
sects an d weed s.
in du stry. Even th en h ealth care (2 1 9 ) In dia h as pu t in su stain ed efforts to
204. (1 ) d ifferen ce (2) similarity better th e h ealth care system (2 2 6 ) th e
on ly eigh t percen t of world’s popu la-
(3) argu m en t (4) relation ship cou ntry. The govern ment in itiative was
t ion . Pol i cym ak er s sh ou l d (2 2 0 ) at
(5) alliance h ealth care in du stry as n ot on ly an in - n ot en ou gh to m eet th e dem an ds of a
205. (1) bei n g (2 ) seem a du stry wh ich addresses pain bu t also growin g popu lation be it in prim ary,
(3) mainly (4 ) besid es as on e wh ich can (2 2 1 ) th e econ om y. secon dary or tertiary healthcare. Alter -
Th e last cen tu ry was driven by m a- n ate sou rces of finan ce were critical for
(5) is
ch in es th at addressed h u m an toil an d th e su stain ability of th e h ealth sector.
206. (1 ) However (2) Mou n ted Till abou t 20 years ago, private
it is stron gly (2 2 2 ) th at th is cen tu ry
(3) Risin g (4) Elevatin g sector ven tu res in th e h ealth care sec-
will be driven by health care. Th is, how-
(5) Inclinin g ever, will on ly h appen if policym ak ers tor (227) of only solo practitioners, small
207. (1) m ean s (2 ) tr iggers m ak e a con sciou s effort to (2 2 3 ) th e hospitals and nu rsing homes. The qu al-
(3 ) r esp on ses (4 ) th reats righ t policies in place soon . ity of service provided was excellen t
especially in th e hospitals ru n by ch ar -
(5) stim u lu s 214. (1) past (2) against
itable tru sts an d religiou s fou n dation s.
208. (1 ) resu l ts (2 ) p recu rsor (3) th rou gh (4) across In 1980’s realizing th at the govern ment
(3 ) r esistan ce (4 ) cau se (5) on on its own wou ld n ot be able to (2 2 8 )
(5) provocation 215. (1) earn in g (2) sh are for health care, the govern men t allowed
209. (1 ) con serves (3) ventu re (4) delivery th e en try of private sector to redu ce
(5) distribu tion th e (2 29 ) between su pply an d deman d
(2 ) st ifl es (3 ) pr edicts
for h ealth care. Th e establish m en t of
(4 ) ch an ges (5 ) em erges 216. (1) com mon ly (2) ideally
th e private sector h as resu lted in th e
210. (1) con tin u e (2) h alt (3) in definitely (4) preferably (2 30 ) of opportu nities in terms of m ed-
(3 ) cease (4) term in ate (5) invariably ical equ ipm en t, inform ation tech n olo-
(5) discon tinu e 217. (1) wh ereas (2) u n lik e gy in h ealth services, BPO, telem edi-
211. (1) lu ck (3) besides (4) althou gh cin e an d m edical tou rism .
(5) despite Large com pan ies an d (2 31 ) indi-
(2) valu e (3) collapse
218. (1) encou ragin g vidu als h ave n ow started five star h os-
(4 ) pace (5) atten tion pitals which dom in ate the space for the
212. (1) th r eaten ed (2) secon d (3) lesser
h igh en d m ark et. Th e private sector
(2) pu rsu ed (4) beatin g (5) greater h as m ade (2 3 2 ) progress, bu t on th e
(3 ) u n preced en t ed 219. (1) affords (2) cu res flip side it is also respon sible for in -
(4 ) r ecord (5 ) debat ed (3) visits (4) reach es creasin g (2 3 3 ) in th e h ealth care sec-
(5) provides tor. Th e private sector sh ou ld be m ore
213. (1 ) forecast (2 ) ch an ce
220. (1) look (2) plan social ly r elevan t an d effort m u st be
(3) patt ern (4) occasion m ade to m ak e private sector accessi-
(3) weigh (4) admire
(5) imagin ation ble to th e weak er section s of society.
(5) con sider
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224. (1) sh am bles (2) failu re ti on an d d efor estat ion . Peopl e h ave Di r ec t i on s (2 4 4 –2 5 3 ) : In t h e
(3) deman d (4) prosperity (2 3 7 ) an d d am aged al m ost h al f a foll owin g passage t h ere are b lan k s,
(5) ru in ed earth ’s lan d, at a very u n su stain able each of wh ich h as b een n u m bered.
rat e. Th ese n u m bers are pri n ted b elow t h e
225. (1) brick s (2) em phasize
Global warm in g is h avin g a seri- passage an d again st each , fi ve wor ds
(3) requ est (4) stress
ou s im pact as well. A six-degree Cel- ar e su ggested, on e of wh ich fit s t h e
(5) im portan t si u s in crease i n global t em p eratu re bl an k app rop riately. Fin d ou t th e ap-
226. (1) th rou gh (2) across k illed 95% of all species on Earth 251 pr opr iat e word in each case.
(3) sh arin g (4) with m illion years ago. An in crease of six- (Pun j ab Nat i on al Ban k Speci al i st
(5) on degree Celsiu s is forecast th is cen tu ry Of f i cer Ex am . 24.10.2 010)
if a ch an ge is n ot m ade to (2 3 8 ) th e
227. (1) m ade (2) com prise Wh at In d ian p oliti cian s an d bu -
damage don e to earth . Hu m an s will be
(3) con sisted (4) is on e of th e 95% of species lost. No- reau crats sh are wit h t h ei r scien tist,
(5) con tained ticeable, changes of global warmin g in - en gin eer an d carpen ter cou n ter par ts
228. (1) cater (2) provide clu de m igration (2 3 9 ) an d th e ch an ge is th eir accept an ce of m ediocrit y an d
in season tim in gs. Migratin g birds are lack of sk il l. Th e gr eat est m or al fai l-
(3) manage (4) su rvive
migrating earlier, wh ich in tu r n is cau s- u r e of In dian i n st itu t ion s i s t h e t oler -
(5) give
in g them to hatch eggs and (24 0) you ng an ce of in com peten ce, (2 4 4 ) crim in al-
229. (1) gap (2) position earlier th an th ey did at th e begin n in g it y or corru pti on . Th e t oleran ce of i n -
(3) distan ce (4) len gth of th is cen tu ry. Wh ile th is is ju st th e com pet en ce in (2 4 5 ) is a resu l t of a
(5) thou ght tip of th e iceberg m an y oth er (2 4 1 ) re- low cu l tu ral valu e attach ed to t h e cre-
230. (1) redu ction (2) sea gardin g th e extinction of plan t an d an - at ion an d (2 4 6 ) of in sti tu tion s.
i m al sp eci es n eed ad d r essin g. It i s
(3) croppin g (4) disablin g In stitu tion bu ildin g is hard work ;
m ore im portan t n ow th an ever before
(5) em ergen ce it r equ ir es a com bi n at ion of vision ,
to pu ll ou r h eads ou t of th e san d an d
231. (1) n eedy (2) destitu te m ak e ch an ges for t h e (2 4 2 ) of t h e com m i tm en t an d p erfor m an ce. An y
earth . Fu tu re gen eration s are (2 4 3 ), institu tion in volves a con tract between
(3) bigger (4) afflu en t
as th ey are a species as well. th ose wh o (2 4 7 ) to th e in st itu tion an d
(5) m u ch
234. (1) k illing (2) alive th ose wh o su pport it. Th e su pport can
232. (1) slowly (2) im prove tak e th e form of m on ey or votes b u t
(3) born (4) left
(3) m an y (4) im provised th at su p por t m u st be (2 4 8 ) con t in u -
(5) lost
(5) trem en dou s ou sly. In a pr oper ly fu n ction in g in st i-
235. (1) speak (2) told
233. (1) sp eed (2) pace tu tion al system , the in stitu tion al con -
(3) estimation (4)believe tr act (2 4 9 ) t h e in st itu tion m em bers
(3) inequ ality (4) u n iformity
(5) con sider an d t h ei r su pporters tak es t h e for m :
(5) seriou sn ess
236. (1) shape (2) developm en t you give m e su ppor t an d I will gi ve
Di r ect i on s (2 3 4 –2 4 3 ) : In t h e (3) deterioration you r esu lts. Com peten ce is t h e ch an -
foll owin g passage t h ere are b lan k s,
(4) warm th (5) expansion n el th at su stain s the flow of tru st from
each of wh ich h as b een n u m bered.
237. (1) altered (2) created su pporters t o i n st itu tion s an d back .
Th ese n u m bers are prin ted below th e
(3) produ ced (4) m ade If doctor s d on ’t cu re wil l t h ey n ot lose
passage an d again st each , five words
(5) brou gh t ou r t ru st ? Wh i le blam in g in dividu al
are su ggested, on e of wh ich fit s th e
238. (1) void (2) dissipate politicians an d babu s for th eir corru pt
blan k appropriately. Fin d ou t th e ap-
(3) au gment (4) reverse ways, let u s al so exam in e th e syst em
propriate word in each case.
(5) in crease th at accepts m ediocrit y an d even lets
(Cen t ral Bank Of I ndi a PO
Exam . 25.07 .2010) 239. (1) delay (2) birds it (2 5 0 ).
Hu n dreds of plan ts an d an im als (3) slowdown (4) hasten Wh at we are seein g in In dia is a
are (2 3 4 ) every day du e to deforesta- (5) acceleration case of con tract fail u re. Th e con trac-
tion an d u rban ization what m ight h ap- tor wh o br ib es an official an d th en
240. (1) spare (2) bear
pen if th is con tin u es in th e fu tu re ? bu ild s a leak y st adiu m i s n ot ju st b e-
(3) destroy (4) amen d
Th e last m ass extin ction of plan t an d in g (2 5 1 ). H e is su stain in g a collu sive
(5) gen eration
an im al speci es occu r red 65 m il li on system th at su b vert s r u les r egu l ati n g
241. (1) animals (2) difficu lty m u tu al cooperat ion bet ween gover n -
years ago with th e Din osau rs. In all,
(3) issu es (4) humans m en t in stitu tion s, m ark et players an d
five m ass ext in cti on s h ave occu r red
(5) problem society as a wh ol e. In t h e case of en -
an d scien tists (2 3 5 ) earth is in sixth
m ass extinction . Th e world as it is now 242. (1) extinction dem ic con tract failu re everyon e (2 5 2 ),
is th reaten ed, in clu din g people, wh o (2) better (3) wealth in clu din g t h e con tractor, for on ce t h e
are respon sible for earth ’s (2 3 6 ). Pes- (4) stigma (5) dem and pu bli c l oses i ts tru st i n i n st itu tion s
ticides con tam in atin g water; overh ar - 243. (1) en dangered even bu sin essm en will (2 5 3 ) ou t on
vestin g of an im als an d plan ts; air pol- (2) threaten (3) evalu ated opportu nities to mak e money. The mor -
lu tion ; illegal fish in g an d th e clearin g (4) living (5) com pared al st atu s of in sti tu t ion s i s cen tr al to
of lan d are direct resu lts of u rban iza- contin u ed developmen t an d prosperity.
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 CLOZETEST
244. (1) as (2) to in stitu tion s, th e state is th e m ost im - Th e world is witnessin g food price
(3 ) n ever (4) n ot portan t, sin ce it is (2 59 ) to en su re th at tu r bu len ce again . A bad d rou gh t in
(5 ) for basic h u m an n eeds are en su red with Ru ssia, risin g dem an d in th e US an d
m in im al stan dards of fairn ess. A state developin g cou n tries, an d Pak istan ’s
245. (1) tu rn (2) individu al
(2 6 0 ) of or u n in terested in en su rin g bligh ted crop prospects after its floods
(3 ) wor ld (4) p artly equ it y i n secu r i ty, edu cat ion , food ,
(5) im portan ce are k eepin g prices of comm odities su ch
h ealth an d sh elter is a state wh ose le-
as cereals, su gar, oil an d m eat h igh .
246. (1) destru ction (2) ju stification gitim acy will be qu estion ed.
The Food and Agricu lture Organization’s
(3) su sten an ce (4 ) excess Fu rther, the legitim acy of th e state m on th ly food price (2 6 4 ) is h eadin g
(5) marginalization is depen den t on its bein g as close to a
n orth .
247. (1) b elon g (2 ) work n eu tral u m pire as possible. Wh en th e
state (2 61 ) partisan, its legitim acy can In dia is n ot (2 65 ) from th is prob-
(3 ) h elp (4) em ployed
be qu estion ed. Wh en th e state sh eds lem even at th e best of tim es. For th e
(5 ) t ru st week t h at en d ed on 11 Sept em b er,
th e u m pire’s clothes an d becom es on e
248. (1 ) retu rn ed (2 ) earn ed food prices (as (2 6 6 ) by th e Wh olesale
of th e players, th e ru les of fair play
(3 ) n eed ed (4) discou raged Price In dex) rose by 15.86%.
are so badly (2 6 2 ) th at we can on ly
(5 ) ask ed call su ch an even t in tolerable (2 6 3 ). Gi ven t h e r ob u st d em an d for
249. (1 ) su ggests (2) ak in 254. (1) dem and (2) en su re foodstu ffs, a time of price volatility calls
(3) twosom e (4 ) cen ter ed for a carefu l look at th e “design ” is-
(3) con sider (4) regu late
(5 ) between su es su rrou n din g food su pply manage-
(5) encom pass
250. (1) qu estion (2 ) b old er m en t. At tim es, even h u ge food stock s
255. (1) im portan t (2) ju ven ile
(3 ) t h ri ve (4) ou t are n ot able to (2 67 ) risin g food prices.
(3) in sign ifican t Th e fau lt lies in h ow food is released
(5) k ill
(4) su prem e (5) part to traders by governm ent agencies su ch
251. (1) varian t (2) trivial
256. (1) Presen tly (2) Sam e as th e Food Corporation of India (FCI).
(3) imm atu re (4) corr u pt
(3) So (4) Lik e Th is problem is apart from FCI’s h igh
(5) gen er ou s
(5) J u st carryin g cost of foodgrain s. Bu t th is is
252. (1 ) su cceeds (2 ) su ffers
257. (1) opinion (2) ju dgem en t n ot th e problem at (2 6 8 ).
(3) prol iferates (4) respon sible
(3) en d (4) dram a For ex am p l e, u n d er t h e op en
(5) en com passes
(5) conclu sion m ark et sales sch em e (OMSS) a fixed
253. (1) storm (2 ) ven tu re
258. (1) people (2) dissipation s qu an tity of grain , u su ally in m u ltiples
(3 ) lose (4 ) get of 10 m etric ton n es, is sold to traders,
(5 ) walk (3) ou tcomes (4) affects
flou r m ills an d other bu yers wh en su p-
Di r ect i on s (2 5 4 -2 6 3 ) : In th e fol- (5) discou ragem en ts plies are (2 6 9 ) or th ere is price volatil-
lowin g passage th ere are blan k s, each 259. (1) stimu lated (2) calcu lated ity. Bu t a com bination of price rigidity,
of wh ich h as been n u m bered. Th ese (3) con sidered (4) h asten ed term s of sal e an d t h e qu an tit y sold
n u m bers are prin ted below th e pas- (5) design ed u n der OMSS defeat its pu rpose. On e
sage an d again st each , five words are
260. (1) qu alified (2) riddled reason for th is is th e large volu m e in
su ggested, on e of wh ich fits th e blan k
appropriately. Fin d ou t th e appropri- (3) powerfu l (4) in capable th e h an ds of very few in dividu al bu y-
ate word in each case. (5) sh orten in g ers. Th is (2 7 0 ) to perverse econ om ic
(Un i t ed Ban k Of I n di a PO 261. (1) appears (2) allow in centives.
Exam . 14.11 .2010) (3) becom e (4) recom m en ds Often , th e grain sold u n der th is
People are as mu ch attu ned to fair - schem e win ds u p back with food (27 1 )
(5) visu alizes
n ess as th ey are to in dividu al self-in - agen cies becau se of price differen tials
262. (1) twist (2) stopped
terest. Th erefore, an y in stitu tion reg- (th e price at wh ich it is sold an d th e
u latin g h u m an beh aviou r will h ave to (3) m en ded (4) brok en prevailing mark et price). Th is has been
(2 5 4 ) th at th e com prom ises between (5) abated observed m an y tim es in states as di-
in dividu al self-interest, collective in ter - 263. (1) tru th (2) fairn ess verse as Pu n jab an d Uttar Pradesh . If
est an d fairn ess are all with in tolera- (3) inju stice (4) mu rder th e n u m ber of bu yers is (2 7 2 ) an d th e
ble limits. Th ese trade-offs are as (2 55 ) qu an tity sold to each bu yer redu ced,
(5) fortu n e
for larger in stitu tion s, in clu din g th e
Di rect i on s (26 4–27 5) : In the fol- or th e price fixed bu t th e am ou n t of
largest of th em all, i.e., th e state, as
lowin g passage th ere are blan k s, each grain th at can be bou gh t k ept flexible,
th ey are for th e sm allest on es lik e th e
fam ily. (2 56 ) as paren ts sh ou ld n ot re- of wh ich h as been n u m bered. Th ese th ese problem s can be (2 7 3 ).
peatedly favou r on e ch ild over an oth - n u m bers are prin ted below th e pas- Th is m ak es for a sen sible m en u
er, th e state can n ot repeatedly favou r sage an d again st each , five words are of option s. Bu t it n eeds carefu l im ple-
on e com m u n ity or class over an oth er. su ggested, on e of wh ich fits th e blan k m en tation . An d if, for som e reason ,
Th e (2 5 7 ) of fairn ess is in grain ed in appropriately. Fin d ou t th e appropri- chan ges are requ ired to su it (2 74 ) con -
ou r psych es. Sin ce h u m an bein gs of- ate word in each case. ditions in differen t states, the econ om ic
ten grab wh at th ey can , we n eed in sti- (PNB Managem ent Tr ai n ee logic beh in d th ese ideas sh ou ld not be
tu tion s to en su re fair (2 5 8 ). Of th ese Ex am . 28 .11.20 10) lost (2 7 5 ) of.

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264. (1) index (2) state am on g ch ar act er s. Germ an Exp res- m al en er gy i s t h at th e l att er will su p-
(3) sch em e (4) rate sion ist cin em a, th e actin g of classic pl y en ergy in (2 8 7 ). Th ese “wel ls” wi ll
(5) valu e performers lik e Charlie Chaplin , Harold n ever ru n dr y. If th e m on ey spen t on
Lloyd an d Bu ster Keaton u sed m im e oil in on e year wer e (2 8 8 ) in win d t u r -
265. (1) affected (2) above
th ey h ad (2 8 2 ) as part of th eir th eatri- bi n es, t h e electr icit y gen erat ed wou ld
(3) immu ne (4) away
cal (2 8 3 ) in th eir film s with great ef- be en ou gh to (2 8 9 ) on e-fifth of th e
(5) separate fect. A Fren ch m im e artist on ce said, world ’s n eed s.
266.(1) developed (2) in creased “Mim e is th e p oetry of silen ce.” Bu t In vestmen ts in in frastru ctu re for
(3) reported (4) m easu red on ce t al k i n g (2 8 4 ) en t er ed t h e sce- th e n ew en ergy econ om y, which wou ld
(5) han dled n ario, m im e was (2 8 5 ) ever u sed in even t u al ly h ave to be m ade wh en fos-
267. (1) arrest (2) iden tify film s, even th rou gh a ch aracter in tro- si l fu els reserves (2 9 0 ), will obviou sly
du ced as a m im e artist. be h u ge. Th ese in clu d e t h e t ran sm i s-
(3) fin d (4) slow
276. (1) en tered (2) cam e si on lin es t h at (2 9 1 ) wi n d farm s wi th
(5) stop
(3) saw (4) becam e el ect ricity con su m ers, an d t h e pip e-
268. (1) th is (2) ju nctu re
lin es th at lin k h ydrogen su pply sou rc-
(3) all (4) best (5) featu red
es wi th en d -u sers. To a su b stan ti al
(5) h an d 277.(1) From (2) So d egr ee, t h e i n fr ast r u ct u r e for t h e
269. (1) nil (2) sh ort (3) Since (4) By (2 9 2 ) en er gy sou r ces -t h e tran sm i s-
(3) plen ty (4) enou gh (5) Until si on l in es for electri city from coal an d
(5) least 278. (1) single (2) fair th e p ipelin es for n at u ral gas can be
u sed in t h e n ew en ergy econ om y as
270. (1) rises (2) leads (3) depen den t (4) u niqu e
well. Th e local pip eli n e distrib u ti on
(3) gives (4) is (5) treach erou s n etwork i n vari ou s cit ies for n atu r al
(5) ju mps 279. (1) drama (2) conclu sion gas can easily be (2 9 3 ) t o h ydrogen
271. (1) h oardin g (2) storin g (3) opinion (4) ju dgement di str ibu tion syst em . For devel opi n g
(3) su pply (4) produ cin g (5) popu lar cou n t r i es, t h e n ew en er gy sou r ces
(5) procu rem en t (2 9 4 ) t o r ed u ce depen den ce on i m -
280. (1) portray (2) act
272. (1) con trolled (2) prom oted ported oil, fr eei n g u p capi tal for i n -
(3) rely (4) depict vestm en t in dom esti c en er gy sou r c-
(3) con stan t (4) in creased
(5) earn es. (2 9 5 ) very few cou n t ries h ave th eir
(5) decreased
281. (1) mentioning (2) designing own oil fiel ds, m ost h ave win d an d
273. (1) n eglected (2) solve solar en ergy. In term s of econ om i c ex-
(3) stimu lating (4) expressin g
(3) overcom e (4) in dicated pansion an d job gen eration , these n ew
(5) con siderin g
(5) high ligh ted en ergy tech n ologies ar e a god sen d.
282. (1) wor k ed (2) learnt
274. (1) good (2) local 286. (1) argu m en t (2) ch an ge
(3) all (4) similar (3) qu alified (4) bou ght
(3) exception (4 ) i ssu e
(5) bad (5) in vested (5 ) d ifferen ce
275. (1) weigh t (2) look 283. (1) experien ce (2) showings 287. (1) in finity (2) per petu ity
(3) valu e (4) sigh t (3) vision (4) distance (3) exten sion (4) reality
(5) sign ifican t (5) story (5) ren ewability
284.(1) toys (2) worlds 288. (1) dissipated (2) applied
Di rect i on s (2 7 6–2 8 5 ) : In th e fol-
lowin g passage th ere are blan k s, each (3) films (4) people (3 ) d rawn (4 ) in vest ed
of wh ich h as been n u m bered. Th ese (5) mimes (5 ) given
n u m bers are prin ted below th e pas- 285. (1) and (2) hardly 289. (1) in volve (2) m eet
sage an d again st each , five words are (3) attr act (4) com plete
(3) th en (4) thu s
su ggested, on e of wh ich fits th e blan k
(5) for (5 ) cat er
appropriately. Fin d ou t th e appropri-
Di r ec t i on s (2 8 6 –2 9 5 ) : In t h e 290. (1) depl et e (2) expan d
ate word in each case.
(Ban k Of M ah ar ash t r a foll owin g passage t h ere are b lan k s, (3) termin ate (4) su stain
Ex am . 19 .12.20 10) each of wh ich h as b een n u m bered. (5 ) cease
Wh en sou n d (2 7 6 ) th e world of Th ese n u m bers are pri n ted b elow t h e 291. (1 ) pr ovi de (2) in clu de
passage an d again st each , five words/ (3 ) con n ect (4) su pp ort
cin em a, m im e m ade a graciou s exit.
(2 7 7 ) th en , it stood prou dly as a per - ph rases are su ggested , on e of wh i ch
(5) l in k s
fi ts th e bl an k ap prop riatel y. Fin d ou t
form in g art in itself, in depen den t an d 292. (1) existin g (2 ) n ew
(27 8) in style, approach, treatment and th e appr opr iat e word/ ph r ase in each
case. (3) lat est (4) old
per form an ce n ot match ed h owever, by
(Or i en t al Ban k Of Com m er ce PO (5 ) r en ewab le
(2 7 9 ) accept an ce. Du rin g th e si len t
era, actors in silen t film s h ad to (2 8 0 ) Ex am . 26.12.2010 (I st Si t t i n g) 293. (1) su pplied (2 ) d isp ersed
totally on m ime as th e only way of (28 1) On e b ig (2 8 6 ) b etween th e i n - (3 ) pr ovid ed (4 ) con vert ed
their em otion s, expression s, in ciden ts, vestm en t s i n fossil fu el s an d th ose in (5 ) u sed
even ts an d in teraction s between an d wi n d power, sol ar cell s, an d geoth er -
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294. (1 ) pr edi ct (2) prom ise
(3) pu r su e (4) exp ect s
(5 ) cr eat ed
295. (1 ) Despi te (2) As
(3 ) Owin g to (4 ) Un less
(5) Alth ou gh
Di r ec t i on s (2 9 6 –3 0 5 ) : In t h e
foll owin g passage t h ere are b lan k s,
each of wh ich h as b een n u m bered.
Th ese n u m bers are pri n ted b elow t h e
passage an d again st each , five words/
ph rases are su ggested , on e of wh i ch
fi ts th e bl an k ap prop riatel y. Fin d ou t
th e appr opr iat e word/ ph r ase in each
case.
(I n di an Ban k PO Ex am .02.01.2011)
In form ation tech n ology, an d th e
h ardware an d software (2 9 6 ) with th e
IT in du stry, are an (2 9 7 ) part of n ear -
ly (2 9 8 ) m ajor global in du stry. IT in -
du stry h as b ecom e on e of t h e m ost
robu st in du stries in the world. IT, more
th an an y oth er in du stry or econ om ic
(2 9 9 ), h as an in creased produ ctivity,
particu lar ly i n th e developed worl d,
an d th erefore is a k ey driver of global
econ om ic growth . Econ om ies of scale
an d (3 0 0 ) deman d from both con su m -
ers an d en terprises (3 0 1 ) th is rapidly
growin g sector. The In for m ation Tech -
nology Association of America (ITAA) ex-
plains ‘information tech nology’as (30 2)
all possible aspects of inform ation sys-
tem s based on com pu ters. Both soft-
ware developm en t an d th e h ardware
in volved in th e IT in du stry in clu de ev-
erythin g from com pu ter system s, to the
design , implem entation , stu dy and de-
velopm en t of IT an d m an agem en t sys-
tem s. (3 0 3 ) to its easy accessibility and
th e wide ran ge of IT produ cts avail-
able, th e dem an d for IT services h as
in creased (3 0 4 ) over th e years. Th e IT
sector h as em erged as a m ajor global
(3 0 5 ) of both growth and em ploym ent.
296. (1) u se
(2) amalgamation
(3) associated (4) vision
(5) regu lated
297. (1) in tegral (2) fu ndam en tal
(3) in creased (4) vital
(5) eager
298. (1) most (2) all
(3) ever y (4) few
(5) som e
299. (1) world (2) opinion
(3) statu re (4) profit
(5) facet
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CLOZETEST
300. (1) multiply (2) insatiable too can be a part of th e growth story.
(3) decreasin g (4) u nquenchable A very basic requ irem en t of th is life
(5) u n reasonable sk ills developm en t is to edu cate th em
an d m ak e th em em ployable. Th e fact
301. (1) forage (2) thwart
th at m ost of th e h eads of th ese IT m a-
(3) motivate (4) fu elling
jors are (3 1 0 ) first-gen eration en tre-
(5) characterize pren eu rs (3 1 1 ) th at edu cation , m ore
302. (1) making (2) qu alifying th an an yth in g else, is a great leveler.
(3) in clu sive At th e sam e tim e, th e im proved eco-
(4) encom passin g n om ic con di tion s wi ll also pu sh u p
(5) tru sting people in to th e m iddle-class brack et
an d m ak e In dia a m u ch m ore attrac-
303. (1) Owin g (2) Since
tive m ark et.
(3) Catering (4) In order
Ac co r d i n g t o F or b es, w h i ch
(5) Complem enting
k eeps a tab on th e (3 1 2 ) of th e rich
304. (1) regu larly (2) su bstantially an d fam ou s, In dia has 69 billion aires.
(3) minimally (4) exponential Yet h ow m an y con sider (3 1 3 ) as a pri-
(5) savagely ority wh en it com es to spen din g ? In -
305. (1) fortu n e (2) m eltdown du st ry reports in d icate t h at In d ian s
(3) sprin g (4) sou rce spen d abou t Rs. 30,000 crore a year
(5) economy on ch aritable (3 1 4 ) an d th is in clu des
Di r ec t i on s (3 0 6 –3 1 7 ) : In t h e th e mon ey spen t by companies on their
foll owin g passage t h ere are b lan k s, cor p orat e soci al r esp on si b il i ty p ro-
each of wh ich h as b een n u m bered. gram m es. Th is is n ot (3 1 5 ) an d In di-
Th ese n u m bers are pri n ted b elow t h e an s, especi all y th e corp orate czars,
passage an d again st each , fi ve wor ds h ave m u ch m ore ability to give. In a
ar e su ggested, on e of wh ich fit s t h e foreword to Corporate Social Respon -
bl an k app rop riately. Fin d ou t th e ap- sibility in In dia, MS Swam inath an cor -
pr opr iat e word in each case. rectly says : “J u st as good ecology is
(Un i on Ban k Of I n di a PO good bu sin ess, good ph ilan th ropy will
Ex am . 09 .01.20 01) al so b e good bu sin ess i n th e (3 1 6 )
With th e an n ou n cem en t th at h e term .” Sh ou ld th e cou n try in stitu tion -
wou ld don ate Rs. 8,846 crore of h is alise CSR in terven tion s to deal (3 1 7 )
equ ity in th e com pan y to th e ph ilan - m aln u trition , edu cation , h ealth , em -
th ropic tru st h e con trols, th e fou n der ploym en t an d poverty ? Th e govern -
an d ch airm an of in fotech gian t Wipro m en t wou ld welcom e a h elpin g h an d,
Ltd., Azim Premji has set th e (3 06 ) very wou ldn ’t it ?
h igh for oth er m ega rich bu sin essm en 306. (1) expectation s
of th e cou n try. Th e 28th rich est m an (2) parameters (3) statu s
in th e world, an d In dia’s th ird rich est, (4) bar (5) task
cou ld not h ave m ade a better an d m ore 307. (1) investm en t (2) profit
sou nd (3 07 ) choice th an this. His Azim
(3) decision (4) sign ifican t
Prem ji Fou n dation is already work in g
in th e r u ral areas of t h e cou n try to (5) basic
im prove th e qu ality of edu cation an d 308. (1) tak e (2) in terest
is n ot in th e process of settin g u p a (3) st ep (4) cau se
u n iversity for th e poor. Th is (3 0 8 ) will (5) en dowm en t
be a welcom e addition to th e k itty of a 309. (1) statu s (2) income
sector th at h as th e capability to tran s-
(3) growth (4) system
form In dia bu t is badly h an dicapped
du e to th e lack of adequ ate fu n din g. (5) gap
Oth er IT m aj or s In fosys, M i n d Tr ee, 310. (1) seldom (2) con sider
TC S an d H C L al s o su p p or t p r o- (3) not (4) th em selves
gram m es th at su pport social equ ity. (5) promoting
At a tim e wh en In dia’s econ om ic 311. (1) promotes (2) places
footprin t on th e global stage is risin g, (3) pr oves (4) d efy
th e (3 0 9 ) between th e differen t strata
(5) steps
of soci ety h as also been in cr easi n g.
Th is is n ot a positive developm ent an d 312. (1) bu sin ess (2) areas
th e u n derprivileged section s n eed to (3) activities (4) pu r ses
be equ ipped with life sk ills so th at they (5) life
-95-
 CLOZETEST
313. (1) philanthropy playgrou n d area as laid ou t in th e RTE m en t issu es h ave tak en on (3 3 1 ) im -
(2) donations (3) philosophy Act. In stead of bearin g down (3 2 6 ) on portan ce as wh at we m easu re affects
(4) spiritu ality (5) h elpin g private sch ools for failin g to con form wh at we do. In fact th e Fren ch Presi-
to abstract bu reau crat ic cri teria, ef- den t h as establish ed an in tern ation al
314. (1) typ es (2) cau ses
forts to brin g abou t u n iversal edu ca- com m issi on on th e M easu r em en t of
(3) tru sts (4) donations
tion shou ld focu s on u pgrading an d ex- Econ om i c Per for m an ce an d Soci al
(5) costs panding the existing government school Progress-owin g to h is (3 3 2 ) an d th at
315. (1) enou gh (2) expected in frastr u ctu r e t o accom m odate all . of oth ers with th e cu rren t state of sta-
(3) correct (4) less On ly th en can we en su re th e m u ch - tistical in form ation abou t the econ om y
(5) requ ired n eeded su pply-dem an d (3 2 7 ) in th e an d society.
316. (1) finan cial (2) social edu cation sector. Th e big qu estion con cern s (3 3 3 )
(3) long (4) final 318. (1) with (2) for Gross D om estic Prod u ct (GDP) pr o-
(5) sh ort (3) on (4) into vides a good m easu re of livin g stan -
(5) in dards. In m an y cases GDP statistics
317. (1) against (2) with
319. (1) arou n d (2) n ear seem to (3 3 4 ) th at th e econ om y is do-
(3) in (4) of
(3) into (4) abou t in g far better th an m ost citizen s feel it
(5) off is. M oreover t h e focu s on GDP cr e-
Di r ect i on s (3 1 8 –3 2 7 ) : In th e (5) reachin g
ates conflicts wh ile political leaders are
foll owin g passage t h ere are b lan k s, 320. (1) form in g (2) tran slatin g
told to m axim ise it, citizen s also de-
each of wh ich h as b een n u m bered. (3) havin g (4) tak in g
m an d th at (3 3 5 ) be paid to en h an cin g
Th ese n u m bers are pri n ted b elow t h e (5) fram in g secu rity, redu cin g air, water an d n oise
passage an d again st each , fi ve wor ds 321. (1) affect (2) ideas pollu tion all of wh ich actu ally (3 3 6 )
ar e su ggested, on e of wh ich fit s t h e (3) practice (4) concept GD P gr owth . St ati stics ar e (3 3 7 ) t o
bl an k app rop riately. Fin d ou t th e ap- (5) procedu re s u m m a r i s e w h a t i s go i n g o n i n
pr opr iat e word in each case.
322. (1) ben efit (2) merit ou r. com plex soci ety, i t i s t h er efore
(Cor por at i on Ban k PO
(3) ch an ce (4) basis obviou s that we can’t redu ce everything
Ex am .1 6. 0 1. 2 0 11 )
(5) method to a sin gle n u m ber -GDP.
The Righ t of Children to Free an d
323. (1) Un l ess (2) until 328. (1) tribu te (2) pu rsu it
Com p u l sor y Ed u cat i on (RTE) Act ,
2009, wh ich cam e (3 1 8 ) effect in April (3) execu ted (4) provided (3) perception (4) con version
th is year, is m ean t to tran sfor m th e (5) exercised (5) title
edu cation sector and tak e In dia closer 324. (1) oth er (2) an y 329. (1) loss (2) qu ality
to th e goal of u n iversal sch oolin g. Bu t (3) two (4) d iffer (3) spirit (4) span
with adm ission s to th e n ew academ ic (5) aft er (5) Joy
session ju st (3 1 9 ) th e cor n er, it is fast
325. (1) on (2) of 330. (1) cou nted (2) scor ed
becom in g clear th at (3 2 0 ) well-in ten -
(3) often (4) tak en (3) qu alified (4) regard
tion ed ideas in to (3 2 1 ) will tak e som e
doin g. For a start, th e gu idelin es for (5) off (5) rank ed
ad m ission s u n der t h e RTE proh ib it 326. (1) soft (2) more 331. (1) negligible (2) great
sch ools from con du ctin g an y sort of (3) less (4) only (3) u nduly (4) trivial
stu den t profilin g. Th e stress on a ran - (5) hard (5) con siderably
dom yet ju stifiable adm ission process 327. (1) n eed (2) equilibriu m 332. (1) obedien ce
m ean s th at sch ools will h ave to resort (3) expectation (4) attem pt
to something as qu irk y as a lottery sys- (2) con fiden ce
(5) aspects
tem . However, leavin g adm ission to a (3) belief
Di r ec t i on s (3 2 8 –3 3 7 ) : In t h e
good sch ool to pu re (3 2 2 ) will on ly in - (4) dissatisfaction
foll owin g passage t h ere are b lan k s,
cen tivise m an ipu lation s, defeatin g th e (5) complian ce
each of wh ich h as b een n u m bered.
very essen ce of RTE.
Th ese n u m bers are pri n ted b elow t h e 333. (1) that (2) u n less
Th e m ain problem facin g th e ed-
passage an d again st each , fi ve wor ds (3) becau se (4) against
u cati on sector is t h at of a resou r ce
ar e su ggested, on e of wh ich fit s t h e (5) wh et h er
cru n ch . Th e provision s for en su rin g
bl an k app rop riately. Fin d ou t th e ap- 334. (1) su ggest (2) recom m en d
u n iversal access to edu cation are all
pr opr iat e word in each case.
ver y wel l, (3 2 3 ) we h ave th e i n fra- (3) think (4) point
(Pun j ab & Si n d Ban k PO
stru ctu re in place first. Brick an d m or - (5) r efer
Ex am . 23 .01.20 11)
tar sch ools n eed to precede open ad- 335. (1) compen sation
m ission an d n ot th e (3 2 4 ) way arou nd. Th e (32 8) of India as an econom ic
su p er p ower i s n ot r efl ect ed i n t h e (2) resp ect (3) debt
In th at sen se, legislators’assessm en t
of grou n d realities is (3 2 5 ) target when (3 2 9 ) of life en joyed by its 1.2 billion (4) atten tion (5) expen se
t h ey en dor se t h e cl osu r e of ten s of citizen s accordin g to th e Hu m an De- 336. (1) recover (2) lower
th ou san ds of low-cost private sch ools velopm en t In dex wh ich (3 3 0 ) In di a (3) attain (4) declin e
for not meeting the minimu m standards very low am on g 182 cou n tries. In ou r
(5) sh ru nk
of lan d plot, bu ilding specification s and perform an ce orien ted world, m easu re-

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 CLOZETEST
337. (1) in ferred (2) difficu lt 339. (1) food (2) tran sgen ic tion cards.
(3) in terpret (4) reveal (3) h igh-yielding Th e n ext is to get th e ‘righ t cu s-
(5) inten ded (4) gen etic (5) organic tom ers’on th e list, n ot ju st m ore cu s-
Di r ect i on s (3 3 8 –3 4 7 ) : In th e 340. (1) research (2) hybrid tom ers. Th ese are people wh o are reg-
foll owin g passage t h ere are b lan k s, (3) release (4) lau n ch istered bu t wh o do n ot h ave an y in ter -
each of wh ich h as b een n u m bered. est in (3 5 2 ) on th eir en titlem en ts. In a
(5) cu ltivation
Th ese n u m bers are prin ted below th e system wh ere caste an d in com e cer -
341. (1) tilled (2) depen den t
passage an d again st each , five words tificates are for sale, it is n ot (3 5 3 ) to
(3) depen ds (4) in dependen t ‘produ ce’th ese docu m en ts for m u tu al
are su ggested, on e of wh ich fit s th e
blan k appropriately: Fin d ou t th e ap- (5) available ben efit. Receipts are du ly made in th eir
propriate word in each case. 342. (1) con cern s (2) protests n am es, an d th e ration s th u s ‘drawn ’
(UCO Ban k PO Ex am .30.01.2011) (3) factors (4) yields are (3 54 ) off in to th e open m ark et. Th e
It is n oteworth y th at th e prim e (5) areas sale price of an item lik e rice m ak es
minister’s work in g grou p set u p to su g- 343. (1) warn in gs (2) featu res clear th e (3 5 5 ) econ om ics – it costs
gest lon g-term solu tion s to (3 3 8 ) th e (3) safegu ards (4) research 8 in a ration sh op wh ile in th e latter it
growin g demand for affordable food h as (5) alerts is 30 or above. Th ere are also cu s-
ack n owledged th e u se of biotech n ol- t om er s wh o wou ld r at h er exch an ge
344. (1) accu rate (2) h asty
ogy as integral to a secon d Green Revo- th eir en titlem en ts for h ard cash at th e
(3) absu rd (4) ou tright begin n in g of th e m on th .
l u t ion . Alt h ou gh In d ian agri cu lt u r e
serves as a good exam ple of in corpo- (5) hon est
As th e degradation progresses,
ratin g h ybrid varieties of h igh -yieldin g 345. (1) risk (2) ben eficial th e sh op k eeper, in (3 5 6 ) with th e of-
crops, th e attitu de towards gen etically (3) attestation (4) acrimoniou s ficial m ach in ery, m an ages to with h old
m od i f i ed or t r a n sgen i c f oo d h a s (5) detrimen tal effectively th e en titlem en ts from even
been sceptical. Bt cotton is th e on ly 346. (1) thou gh tfu l (2) middle th e gen u in e ben eficiaries, an d diverts
(33 9) crop cu rren tly approved for (34 0) th em to th e open m ark et. Th e target-
(3) h olistic (4) hybrid
in In dia. Bt brin jal is u n der m orato- ed grou p is u su ally n ot in a position to
riu m for commercial release. In a cou n- (5) balance
(3 5 7 ) itself to get its du e.
try wh ere 65 per cen t of agricu ltu ral 347. (1) replicate (2) test
An d th u s on e h as all (3 5 8 ) of a
land is still (341) on ’the monsoon, there (3) overcom e (4) con dem n
good PDS bu sin ess.
n eeds to be far greater in vestm en t in (5) simu late
biotech n ology-driven solu tion s to in - 348. (1) wh en ever (2) qu ick ly
Di r ect i on s (3 4 8 –3 5 8 ) : In th e
crease yiel d s. Tr u e, t h er e ar e vali d (3) ju st (4) as soon
foll owin g passage t h ere are b lan k s,
h ealth an d en viron m en t (3 4 2 ) regard- each of wh ich h as b een n u m bered. (5) time
in g th e adoption of GM crops. It is for Th ese n u m bers are prin ted below th e 349. (1) Wh at (2) When
th is reason th at adequ ate (3 4 2 ) n eed passage an d again st each , five words (3) Wh ere (4) Wh y
t o b e i n pl ace t o en su r e con su m er
are su ggested, on e of wh ich fit s th e (5) How
safety. Bu t an (3 4 4 ) rejection of ge-
blan k appropriately: Fin d ou t th e ap- 350. (1) lyin g (2) people
n etically m odified food wou ld be (34 5 )
propriate word in each case.
to th e cou n try’s food secu rity. (3) sprou ting (4) h ard work
(Ban k Of Bar oda PO Ex am .13.03.2011)
Given th e h u ge deficit between (5) rop es
dem an d an d produ ction , th ere is an Th e econ om ics of own i n g an d
351. (1) attem pt (2) waging
u rgen t n eed to adopt a (3 46 ) approach ru n n in g a Ration Sh op, th e fam iliar
n am e for th e ou tlets in ou r Pu blic Dis- (3) winning (4) expectin g
to agricu ltu re. Brazil serves as a good
tribu tion System (PDS), are su ch th at (5) trying
exam ple. Over th e last 40 years th e
Sou th Am erican nation has scripted an u n d er n or m al b u si n ess t er m s, t h e 352. (1) harping (2) discu ssin g
agricu ltu ral revolu tion in the dry plains sh op-own er cou ld n ever m ak e a prof- (3) realizing (4) drawin g
of th e cou n try by providin g basic in - it. Yet, (3 48 ) The governm ent annou n c- (5) giving
pu ts on a large scale an d vigorou sly es th at n ew perm its for ration sh ops 353. (1) easy (2) m u st
adoptin g GM crops. Th ere is n o rea- will be given ou t, th ere is fren zy in th e
(3) difficu lt (4) simple
son wh y In dia can ’t (3 4 7 ) th is. Stor - m ark et to grab on e of th ese. (3 4 9 ) ?
Th e an swer is obviou s: th e bu sin ess (5) enou gh
age an d delivery is th e oth er side of
th e problem th at can be sign ifican tly is n ot for th e h on est an d if on e k n ows 354. (1) sell (2) borrowed
m itigated by policy decision s th at al- th e (3 5 0 ) , t h ere is a fort u n e t o be (3) donated (4) bou gh t
low for greater FDI in retail. Scien tific m ade. (5) siph on ed
in novation s combined with a farsighted Wh at ar e t h ese t r i ck s of t h e 355. (1) u nderstood (2) poor
farm -to-fork agricu ltu re strategy are trade ? (3) u nderlying (4) m echanical
t h e an swer t o In d i a’s gr owin g food Gettin g fak e n ames in to th e u ser (5) u n clear
n eeds. li st is th e m ost obvi ou s opt ion ; t h e
356. (1) meetin g (2) collu sion
338. (1) m eet (2) su ggest State seem s to be (3 5 1 ) a losin g battle
(3) flow (4) sh ow
(3) com plete (4) seek again st th is practice, ju dgin g by th e
(5) recomm en d en dless efforts to weed ou t bogu s ra- (5) lin e

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 CLOZETEST
357. (1) ask (2) voiced 359. (1) don e (2) u nlik ely ven t of th e teleph on e, people began to
(3) assert (4) deliver (3) potential (4) prom isin g won der if pick in g u p th e receiver to
(5) willfu l (5) possible call one an oth er wou ld even tu ally (373)
ou t other form s of com m u n ication . So
358. (1) th ings (2) in gredien ts 360. (1) qu estioned (2) said
far, as fam ilies an d frien ds h ave m oved
(3) dictate (4) com pon en t (3) retorted (4) an swer ed
away from on e an oth er, th e teleph on e,
(5) facet (5) address even its cellu lar form , h as allowed h u -
Di rect i on s (35 9-36 8) : In the fol- 361. (1) qu estion (2) finding m an ity to (3 7 4 ) th e n ecessary l in k s
lowin g passage there are blank s, each (3) meth odology (4) resu lt am on g its m em bers.
of wh ich h as been n u m bered. Th ese (5) stu dies Natu rally, n ow th at com pu ters,
nu mbers are prin ted below th e passage in stan t an d text m essagin g, an d oth er
362. (1) wage (2) create
an d again st each , five words/ ph rases form s of com m u n ication h ave fou n d
(3) execu te (4) car ry
are su ggested, on e of wh ich fit s th e th eir way in to th e world, people n ot
blan k appropriately. Fin d ou t th e ap- (5) attempt
fam iliar with th ese tech n ologies won -
propriate word/ ph rase in each case. 363. (1) option (2) lives
der wh at th ey will do to th e h u m an
(Al l ah abad Ban k PO Ex am .17.04.2011) (3) visu al (4) dem an ds
race. Etiqu ette experts an d those raised
Can an exp er im en t con cei ved, (5) perception on writin g form al letters often (3 7 5 )
carried ou t, and reported in k ids-speak 364. (1) revolu tion ary th at e-m ail an d text m essage lin go will
with pencil-colou red figu res an d hand- (2) radical (3) rote replace th e lan gu age of pen an d pa-
written tables by sch ool ch ildren aged (4) adequ ate (5) bore per. This will n ot (3 76 ), an d both m eth-
8 to 10 years get pu blish ed in a h igh ly ods of com m u n ication can su rvive to
3 65 . (1) stimu late (2) simu late
rated in tern ation al jou rn al followin g a en h an ce h u m an s en joym en t of on e
(3) mak e (4) peek
peer -r eviewin g process? Twen t y-sev- an oth er’s com pan y if th e n ext gen era-
en sch ool ch i l d r en fr om a Pr i m ar y (5) ju dge
tion learn s h ow to (3 7 7 ) both . Each
School in U.K. h ave proved this is (35 9) 366. (1) cau se (2) root
form of com m u n icati on can su rvi ve
— if a simple bu t n ovel scien tific qu es- (3) reason s (4) issu es with its own ru les as people learn wh ich
tion raised is (3 6 0 ) in a scien tific way. (5) sou rces situ ation s in life (3 7 8 ) for wh ich level
Th eir paper was pu blish ed in th e Roy- 367. (1) th read (2) leaf of form ality an d wh ich of th e people
al Soci et y’s B iology Letters jou r n al. th ey spen d tim e with can con n ect bet-
(3) exam ple (4) look
Th eir (3 6 1 ) was th at bu m blebees can
(5) pages ter with wh ich type of lan gu age.
u se a “com bin ation of colou r an d spa-
tial relationsh ips in decidin g which co- 368. (1) lead (2) start 369. (1) depressed (2) finish
lou r of flower to forage from .” Con sid- (3) deliver (4) paved (3) problem (4) hin der
erin g th at ou r u n derstan din g of h ow (5) ahead (5) featu red
bees perceive colou red pat tern s an d 370. (1) evolved (2) destroyed
Di rect i on s (3 69–3 78) : In th e fol-
scen es i s in adequ ate, th is i n sp iri n g (3) pledged (4) extingu ished
lowin g passage th ere are blan k s, each
ou tcom e h as sh own th at sch oolch il- (5) waited
of wh ich h as been n u m bered. Th ese
d ren gu i d ed by gi ft ed t each ers can
n u m bers are prin ted below th e pas- 371. (1) expen sive (2) su bjective
th in k an d (3 6 2 ) ou t experim en ts lik e
sage an d again st each , five wor ds/ (3) easier (4) lou d
an y h ard -wi red sci en t i st . For th ese
ph rases are su ggested, on e of wh ich
k ids, doin g science changed their (36 3) (5) portable
fits th e blan k appropriately. Fin d ou t
of th e su bject. Scien ce also becam e 372. (1) lin es (2) faith
th e appropriate word/ ph rase in each
“cool an d fu n .” Th is refresh i n g ap - (3) distan ce (4) tou ch
case.
proach tu rn s th e spotligh t on th e best (5) ch eck
(I n di an Ov er seas Ban k PO
m ethods of teaching science. Th e (36 4)
Ex am . 22 .05.20 11) 373. (1) pu sh ed (2) can cel
l ear n i n g syst em ad op t ed b y m ost
sch ools in In dia, even classroom stu dy Depen din g u pon h ow h u m an ity (3) sh ells (4) try
com bin ed with som e laboratory work ch ooses to u se it, tech n ology can en - (5) tu rn
with predefin ed ou tcom es, does very h an ce or (3 6 9 ) an y aspect of life. Th e 374. (1) maintain (2) teleport
little to (3 6 5 ) cu riosity an d in terest in realm of in terpersonal com mu n ication
(3) cu t (4) cu rb
scien ce. Is th at on e of th e (3 6 6 ) wh y gen erally feels th is im pact first.
(5) regu lation
ou t-of-th e-box th in k in g that produ ces Man y tim es th rou gh ou t h istory,
h u m an ity h as ch an ged its m odes of 375. (1) dominate (2) elate
path-break ing scien ce rarely comes ou t
of In dian laboratories? Th e ch ildren at com m u n ication as society i tself h as (3) worry (4) says
th e U.K. sch ool h ad th eir gifted teach - (3 7 0 ). As people began to spread ou t (5) men tioning
er to gu ide th em . Scien tists from In - geograph ically, verbal com m u nication 376. (1) agree (2) h appen
dia’s space an d atom ic en ergy depart- tu rned to writin g to m ak e it m ore (37 1). (3) occu rred (4) exist
m en ts an d in som e oth er places wh ere Th en , people in ven ted ways of carry-
(5) possible
ser i ou s sci en ce is d on e can t ak e a in g both con versation an d written com-
m u n ication between th eir com m u n i- 377. (1) form s (2) prove
(36 7) ou t of th e school’s book an d (36 8)
the way in en gagin g with sch ool pu pils ties to k eep in (3 7 2 ) with on e an oth er (3) accom plish (4) stu dy
an d gettin g th em to do real scien ce. as travel becam e sim pler. With th e ad- (5) exam ple

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 CLOZETEST
378. (1) tak e (2) requ ire ty appl icati on s ar e reach in g rem ote (3 9 4 ) over th e world, righ ts re-
(3) ju mp (4) stan ds p l aces an d (3 9 3 ) l i ves wh er e gr i d - lated to inform ation tech nology that are
(5) call based electricity su pply has m iserably alr eady l egall y recogn ised ar e dail y
Di rect i on s (379 -3 93) : In the fol- failed. bein g violated, (3 9 5 ) in th e n am e of
lowin g passage th ere are blan k s, each 379. (1) against (2) for econ om ic advan cem en t, political sta-
of wh ich h as been n u m bered. Th ese (3) on wards (4) at bility or for person al greed an d in ter -
n u m bers are prin ted below th e pas- (5) on ests. Violation s of th ese righ ts h ave
sage an d again st each , five words are 380. (1) that (2) in side (3 9 6 ) n ew problem s in h u m an social
su ggested, on e of wh ich fits th e blan k (3) always (4) wh o system s, su ch as th e digital divide, cy-
appropriately. Fin d ou t th e appropri- (5) wh er e bercrim e, digital secu rity an d privacy
ate word in each case. con cern s, all of wh ich h ave (3 9 7 ) peo-
381. (1) forward (2) su bject
ple’s lives eith er directly or in directly.
(I BPS Ban k PO/ M T CWE 18.09.2011) (3) place (4) dem and
(5) replace It is i m p or tan t t h at cou n tr ies
As th e cou ntry em bark s on plan -
com e u p with th e gu idelin es for action
n ing (37 9) th e 12th Plan (2012-17) pe- 382. (1) pass (2) pu blish
to (39 8) th e in ciden ces of m aliciou s at-
riod, a k ey qu estion m ark (3 8 0 ) h an gs (3) featu re (4) fin d
tack s on th e con fiden tiality, in tegrity
over th e process is on th e en ergy re- (5) light
an d availability of electron ic data an d
qu irem en ts. 383. (1) lik ewise (2) pu blicity
syst em s, com p u t er r el at ed cr i m es,
Growth is energy h u ngry, and the (3) next (4) aft er conten t related offen ses and violation s
aspiration s of growin g at 9-10% wil! (5) earlier of in tellectu al property righ ts. (3 9 9 ),
(3 8 1 ) h u ge dem an ds on th e en ergy re- 384. (1) waste (2) requ ire threats to critical infrastru ctu re and na-
sou rces of th e cou n try. In th is en ergy (3) highlight (4) gen erate tion al in terests arisin g from th e u se of
jigsaw, renewable energy will (3 82 ) lik e (5) consu m ed th e in tern et for crim in al an d terrorist
n ever b efor e i n t h e 1 2 t h Pl an an d 385. (1) stru ctu res (2) effort s act ivit ies ar e of gr owin g (4 0 0 ). Th e
(3 8 3 ). (3) projection s (4) practices h arm in cu rred to bu sin esses, govern -
By th e ru le of th e th u m b, In dia (5) developm en tal m en ts an d in dividu als in th ose cou n -
will (3 8 4 ) abou t 100 gigawatts (Gw)- 386. (1) su re (2) u n su re t r ies i n wh i ch t h e in t er n et i s u sed
100,000 m egawatts-of capacity addi- (3) u n expected (4) u nlik ely (4 0 1 ), is gain in g in (4 0 2 ) an d im por -
tion in th e n ext five years. En cou rag- (5) lik ely tan ce, wh ile in oth er cou n tries; cyber -
in g tren d s on en ergy efficien cy an d 387. (1) nominal (2) excelled crim e th reaten s th e application of in -
su stain ed (3 8 5 ) by som e parts of th e formation and comm u nication technol-
(3) high er (4) lower
govern m en t-th e Bu reau of En ergy Ef- (5) expected ogy for govern m en t servi ces, h eal th
ficien cy in particu lar n eeds to be com - 388. (1) failu re (2) su ccess car e, t rad e, an d b an k i n g. As u ser s
plimen ted for th is-h ave led to su bstan - start losing (40 3) in on line transactions
(3) dangerou s (4) maximum
tially lesser energy intensity of economic (5) marginal an d bu sin ess, th e opportu n ity costs
growth . However, even th e tem pered 389. (1) certain (2) lin k ed m ay becom e su bstan tial.
dem an d n u m bers are (3 8 6 ) to be be-
(3) rem ark ed (4) expected 394. (1) En tire (2) Lot
low 80 Gw. As again st th is n eed th e
(5) su re (3) Great (4) All
coal su pply from dom estic sou rces is
390. (1) When (2) But (5) Mu ch
u n lik ely to su pport m ore th an 25 Gw
(3) However (4) I f 395. (1) scarcely (2) wh eth er
equ ivalen t capacity. Imported coal can
add som e m ore, bu t at a m u ch (3 8 7 ) (5) As (3) an d (4) for
cost. Gas-based electricity gen eration 391. (1) for (2) with
(5) hardly
is u nlik ely to con tribu te an ything su b- (3) is (4) ever
396. (1) created (2) ben t
stan tial in view of th e u n preceden ted (5) against
(3) pressu red (4) risen
gas su pply ch allen ges. Nu clear will be 392. (1) throu gh (2) project
(5) stopped
(3 8 8 ) i n t h e foreseeabl e fu tu re. B e- (3) versu s (4) against
tween im ported coal, gas, large h ydro (5) capacity 397. (1) distan ced (2) affected
an d n u clear, n o m ore th an 15-20Gw 393. (1) ligh tening (2) making (3) exaggerated
equ ivalen t can be (3 8 9 ) to be added in (3) tou ching (4) saving (4) advan ced (5) cropped
th e five-year tim e block . (5) gen eratin g 398. (1) en gage (2) con flict
(3 9 0 ) (3 9 1 ) th is, capacity addi- Di r ect i on s (3 9 4 –4 0 3 ) : In th e (3) war (4) com bat
ti on i n th e r en ewab le en er gy b ased foll owin g passage t h ere are b lan k s, (5) stru ggle
power gen eration h as tou ch ed abou t each of wh ich h as b een n u m bered.
399. (1) Bu t (2) More
3Gw a year. In th e com in g five years, Th ese n u m bers are prin ted below th e
passage an d again st each , five words (3) Addition (4) Beside
th e overall capacity addition in the elec-
tricity grid (3 9 2 ) ren ewable en ergy is are su ggested, on e of wh ich fit s th e (5) Fu rth er
blan k appropriately. Fin d ou t th e ap- 400. (1) con cern (2) n atu re
l i k el y t o r an ge b et ween 2 0 Gw an d
propriate word in each case.
25Gw. Additionally, over and above the (3) pattern (4) im portan t
(I BPS Speci al i st Of f i cer
grid-based capacity, off-grid electrici- CWE 11.0 3.2012) (5) matter

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 CLOZETEST
401. (1) really (2) figu ratively 405. (1) scarcely (2) wh eth er m oth er h ad tol d m e to, an d soon er
(3) widely (4) n ever (3) an d (4) for th an I h ad t h ou gh t , t h e wool st art ed
(5) tan dem (5) hardly to loosen an d d ifferen t colou rs (4 2 2 )
to em erge. Very soon , in stead of on e
402. (1) fear (2) days 406. (1) created (2) ben t
h u ge u n t idy bu n ch of wool I h ad sev-
(3) positivity (4) width (3) pressu red (4) risen
er al n eat balls in (4 2 3 ) of m e.
(5) scope (5) stopped
414. (1) own (2) does
403. (1) track s (2) measu re 407. (1) distan ced (2) affected
(3) h ave (4) p repared
(3) con fiden ce (4) m in d (3) exaggerated
(5) k nit
(5) grip (4) advan ced (5) cropped
415. (1) from (2) on
Di rect i on s (4 0 4–4 1 3 ) : In th e fol- 408. (1) en gage (2) con flict
(3) war (4) com bat (3) to (4) for
lowin g passage th ere are blan k s, each
(5) stru ggle (5) in
of wh ich h as been n u m bered. Th ese
n u m bers are prin ted below th e pas- 409. (1) Bu t (2) More 416. (1) pu t (2) k eep
sage an d again st each , five words are (3) Addition (4) Beside (3) m an aged (4) in stilled
su ggested, on e of wh ich fits th e blan k (5) Fu rth er (5) hide
appropriately. Fin d ou t th e appropri- 410. (1) con cern (2) n atu re 417.(1) and (2) with
ate word in each case. (3) apart (4) aside
(3) pattern (4) im portan t
(I BPS Speci al i st Of f i ce CWE (5) beside
(5) matter
Ex am . 11. 03.20 12)
411. (1) really (2) figu ratively 418. (1) How (2) Wh at
(4 0 4 ) over th e world, righ ts re-
(3) widely (4) n ever (3) Wh ere (4) Wh y
lated to inform ation tech nology that are
alr eady l egall y recogn ised ar e dail y (5) tan dem (5) Which
bein g violated, (4 0 5 ) in th e n am e of 412. (1) fear (2) days 419. (1) that (2) than
econ om ic advan cem en t, political sta- (3) positivity (4) width (3) more (4) those
bility or for person al greed an d in ter - (5) scope (5) also
ests. Violation s of th ese righ ts h ave 413. (1) track s (2) measu re 420. (1) With (2) Along
(4 0 6 ) n ew problem s in h u m an social (3) con fiden ce (4) m in d (3) Wh ere (4) Th en
system s, su ch as th e digital divide, cy- (5) grip (5) On ce
bercrim e, digital secu rity an d privacy
Di r ec t i on s (4 1 4 -4 2 3 ) : ln th e fol- 421. (1) try (2) follow
con cern s, all of wh ich h ave (4 0 7 ) peo-
lowin g passage th ere ar e blan k s, each (3) deci ded (4) did
ple’s lives eith er directly or in directly.
of wh ich h as been n u m b ered. Th ese (5) listen ed
It is i m p or tan t t h at cou n tr ies n u m bers are pri n ted below th e pas-
com e u p with th e gu idelin es for action 422. (1) began (2) see
sage an d again st each , fi ve word s are
to (40 8) th e in ciden ces of m aliciou s at- su ggested, on e of wh ich fits th e blan k . (3) cou ld (4) cam e
tack s on th e con fiden tiality, in tegrity ap propriatel y. Fin d ou t t h e appr opr i- (5) starts
an d availability of electron ic data an d at e word in each case. 423. (1) search (2) reward
syst em s, com p u t er r el at ed cr i m es, (I BPS RRBs Of f i ce Assi st an t CWE (3) close (4) fron t
conten t related offen ses and violation s Ex am . 09. 09.20 12) (5) awe
of in tellectu al property righ ts. (4 0 9 ),
I wan ted to (4 1 4 ) m yself a sweat- Di rect i on s (424 -4 33) : In the fol-
threats to critical infrastru ctu re and na-
er. Wh en I ask ed m y m oth er for som e lowin g passage th ere are blan k s, each
tion al in terests arisin g from th e u se of
wool, sh e d irected m e to th e old cloth of wh ich h as been n u m bered. Th ese
th e in tern et for crim in al an d terrorist
bag u n der th e stairs. Th is was th e bag n u m bers are prin ted below th e pas-
act ivit ies ar e of gr owin g (4 1 0 ). Th e
(4 1 5 ) wh ich m y m oth er h ad over t h e sage an d again st each , five wor ds/
h arm in cu rred to bu sin esses, govern - y ear s (4 1 6 ) al l t h e r em ai n s fr om
m en ts an d in dividu als in th ose cou n - ph rases are su ggested, on e of wh ich
sw eat er s, scar ves, car d i gan s an d fits th e blan k appropriately. Fin d ou t
t r ies i n wh i ch t h e in t er n et i s u sed gl oves t h at sh e h ad k n it ted for h er -
(4 1 1 ), is gain in g in (4 1 2 ) an d im por - th e appropriate word/ ph rase in each
self (4 1 7 ) t h e fam ily. Wh en I open ed case.
tan ce, wh ile in oth er cou n tries; cyber - th e b ag – I scream ed “Wh at a m ess!”
crim e th reaten s th e application of in - (I DBI Ban k Of f i cer Ex am .16.09.2012)
Al l t h e wool h ad tan gled it sel f i n to a
formation and comm u nication technol- h u ge k n ot. I said to m y m oth er, “Its A m obile ph on e is n o (4 2 4 ) a sim ple
ogy for govern m en t servi ces, h eal th h op el ess. Al l t h e wool i s so b ad l y device to m ak e calls. It h as (4 2 5 ) th e
car e, t rad e, an d b an k i n g. As u ser s m i xed. (4 1 8 ) can I even d etan gl e i t, h u b for all you r activities, from e-m ail-
start losing (41 3) in on line transactions let alon e k n it a sweater fr om it.” Sh e in g an d browsin g to payin g bills an d
an d bu sin ess, th e opportu n ity costs sm i led an d said, “It ’s easier (4 1 9 ) you tran sferrin g m on ey. Ban k s m ay h ave
m ay becom e su bstan tial. th in k . Al l you h ave to do is look for been th e first to (4 2 6 ) th eir feet in to
404. (1) En tire (2) Lot th e easiest k n ot an d u n do th at. (4 2 0 ) th i s tech n ological pool , bu t telecom
(3) Great (4) All th at is don e, th e n ext k n ot will be eas- com panies h ave (42 7) to catch u p. Th e
ier. J u st k eep on doi n g th i s, u n ti l all RBI’s step to rem ove th e 50,000 cap
(5) Mu ch
th e wool is u n ravell ed”. I (4 2 1 ) as m y th at it h ad (4 2 8 ) earlier on daily m o-
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-100-
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 CLOZETEST
bile tran saction s h as also provided th e Di r ect i on s (4 3 4 –4 4 3 ) : In th e 441. (1) dwin dlin g
m u ch n eeded (4 2 9 ) to m obile ban k - foll owin g passage t h ere are b lan k s, (2) man u factu red
ing. each of wh ich h as b een n u m bered. (3) descen din g
Mobile bank ing (43 0) you to condu ct Th ese n u m bers are prin ted below th e
(4) generatin g
fin an cial tran saction s on you r ph on e passage an d again st each , five words/
ph rases are su ggested, on e of wh ich (5) su pplied
ju st as you wou ld at a ban k bran ch or
th rou gh Net ban k in g. Ban k s are n ow fits th e blan k appropriately. Fin d ou t 442. (1) progress (2) redu ced
evolvin g th is facility as they lau n ch in - th e appropriate word/ ph rase in each (3) existen ce (4) m idst
n ovative produ cts. For (4 3 1 ), a Bank ’s case. (5) absen ce
cash -to-m obile service (4 3 2 ) cu stom - (I BPS Ban k PO/ M T CWE 443. (1) repel (2) waft
ers to tran sfer m on ey to an ybody, in - Ex am . 17. 06.20 12)
(3) mon itor (4) brin g
clu din g th ose wh o do n ot h ave a ban k Green hou se gases are only (43 4)
(5) access
accou n t. A ban k cu stom er can down - of th e story wh en it com es to global
l oad t h e ban k ’s ap p l i cati on on h i s warm in g. Ch an ges to on e part of th e Di rect i on s (44 4–45 3) : In the fol-
phone and th en pu t in th e phone n u m - clim ate system can (4 3 5 ) addit ion al lowin g passage th ere are blan k s, each
ber of th e person to wh om h e wan ts to ch an ges to th e way th e plan et absorbs of wh ich h as been n u m bered. Th ese
sen d th e m on ey, alon g with th e tran s- or refl ect s en er gy. Th ese secon d ar y n u m bers are prin ted below th e pas-
action am ou n t. Th e ban k will sen d a ch an ges are (4 3 6 ) clim ate feedback s, sage an d again st each , five words are
m essage to th e rem itter an d th e ben e- an d th ey cou ld m ore th an dou ble th e su ggested, on e of wh ich best fits th e
ficiary alon g with differen t PINs to each. am ou n t of warm in g cau sed by carbon blan k appropriately. Fin d ou t th e ap-
Th e rem itter will h ave to m essage h is dioxide alon e. Th e prim ary feedback s propriate word in each case.
PIN to th e ben eficiary, wh o can th en are (4 3 7 ) to sn ow an d ice, water va- (I BPS Speci al i st Of f i cer CWE
u se both PINs an d h is m obile n u m ber pou r, clou ds, an d th e carbon cycle. Ex am .1 7 .0 3 .2 0 13 )
to with draw cash from th e respective Per h ap s t h e m ost wel l (4 3 8 ) Twen ty years (4 4 4 ) n ow, n early
Ban k ATM. Th e service is (4 3 3 ) bu t feedb ack com es fr om m elt i n g sn ow 60% of th e world’s popu lation will live
operator ch arges will apply. Also, th e an d ice in th e North ern Hem isph ere. in u rban areas. Th e im pact of u rban -
sender will n eed a J ava-en abled h an d- War m i n g t em p er atu r es ar e al r ead y ization m igh t n ot all be positive on In -
set . (4 3 9 ) a growin g percen tage of Arctic dia as u rban expan sion is h appen in g
424. (1) longer (2) much sea i ce, ex p osin g dark ocean water at a m u ch (4 4 5 ) rate th an in frastru c-
(3) an ymore (4) dou bt du rin g th e (4 4 0 ) su n ligh t of su m m er. tu re expan sion .
Sn ow cover on lan d is also (4 4 1 ) in
(5) soon er Su stain ability issu es n eed to be
m an y areas. In th e (4 4 2 ) of sn ow an d
425. (1) becom e (2) been (4 4 6 ) so th at econ om ic developm en t
ice, th ese areas go from h avin g brigh t,
(3) chan ged (4) made is n ot at th e (4 4 7 ) of pu blic h ealth .
su nlight-reflecting su rfaces that cool the
(5) tran sform ed Som e u rban services th at ou gh t to be
planet to having dark , su n ligh t-absorb-
in (4 4 8 ) in a city lik e water, electricity,
426. (1) dip (2) stan d in g su rfaces th at (4 4 3 ) m ore en ergy
tran sport etc. n eed special con sider -
(3) wash (4) tou ch in to th e Earth system an d cau se m ore
ation.
(5) pick warming.
434. (1) wh ole (2) part TERI h as pu t together a detailed
427. (1) try (2) not report th at (4 4 9 ) su stainability in th e
(3) begu n (4) made (3) m aterial (4) issu e
provision of basic u rban services in In -
(5) soon (5) m ost
dian cities.
428. (1) sanction ed (2) fest ered 435. (1) raise (2) brin gs
(4 5 0 ) pu blic tran sport is a m ajor
(3) im posed (4) cook ed (3) refer (4) stop reason for th e proliferation of private
(5) bu ilt (5) cau se veh icles on the road. Respiratory illness
429. (1) break in g (2) fact 436. (1) sen sed (2) called in children living in u rban areas is on
(3) pu shed (4) drop (3) nothing (4) bu t the (4 5 1 ) with more cases of Asthm a
(5) term bein g (4 5 2 ) becau se of pollu tion. Th e
(5) boost
437. (1) du e (2) resu lts fu tu re of cities of Indian dream s de-
430. (1) for ces (2) places
(3) reason (4) th ose pen ds on (4 5 3 ) we can bu ild better cit-
(3) rem its (4) allows ies today.
(5) mak es (5) becau se
444. (1) till (2) sin ce
431. (1) exam ples (2) instance 438. (1) don e (2) k n own
(3) ru led (4) bestowed (3) from (4) after
(3) togeth er (4) now
(5) said (5) on
(5) today
439. (1) m asterin g (2) sen din g 445. (1) faster (2) slower
432. (1) perm it (2) su ggests
(3) meltin g (4) calming (3) ch an ged (4) sp eed
(3) facilitated (4) attem pts
(5) in creasin g (5) qu ick
(5) enables
440. (1) mak e-sh ift (2) ceasin g 446. (1) specu lated (2) believed
433. (1) expen sive (2) th ere
(3) trou bled (4) perpetu al (3) im agin ed (4) con sidered
(3) costly (4) fr ee
(5) absen t (5) u n derstan d
(5) inaccessible
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447. (1) paym en t (2) rate
(3) costs (4) ch arge
(5) expen se
448. (1) abu ndance (2) large
(3) fu nction al (4) vicin ity
(5) location
449. (1) brin g (2) em ph asizes
(3) specu lates (4) postu lates
(5) requ ests
450. (1) Good (2) Com peten t
(3) Absen ce (4) In adequ ate
(5) Su fficien t
451. (1) m u ltiplication
(2) expansion (3) rise
(4) inflation (5) grow
452. (1) produ ced (2) develop
(3) com posed (4) resu lted
(5) reported
453. (1) if (2) wh eth er
(3) u n less (4) provided
(5) weath er
Di r ec t i o n s (4 5 4 – 4 6 3 ) : In t h e
foll owin g passage t h ere are b lan k s,
each of wh ich h as b een n u m bered.
Th ese n u m bers are pri n ted b elow t h e
passage an d again st each , fi ve wor ds
ar e su ggested. on e of wh ich fit s t h e
bl an k app rop riately. Fin d ou t th e ap-
pr opr iat e word in each case.
(I BPS Bank PO/ M T CWE-I I I
Ex am . 26 .10.20 13)
In dian cu ltu re is rich an d (4 5 4 )
an d as a resu lt u n iqu e in its very own
way. Ou r m an n ers, way of com m u n i-
catin g with on e an oth er, etc are on e of
th e im portan t com pon en ts of ou r cu l-
tu re. Even th ou gh we h ave accepted
m odern m ean s of livin g, im proved ou r
lifestyle, ou r valu es an d beliefs still re-
m ain u nchanged. A person can change
h is way of cloth in g, way of eatin g an d
livin g bu t th e rich valu es in a person
always (4 55 ) u n ch an ged becau se th ey
are deeply rooted with in ou r h earts,
m in d, body an d sou l wh ich we receive
from ou r cu ltu re.
Indian cu ltu re (45 6) gu ests as god
an d serves them an d tak es care of th em
as if th ey are a part an d parcel of th e
family itself. Even th ou gh we don’t have
an yth in g to eat, th e gu ests are n ever
left h u n gry an d are always look ed af-
ter by th e m em bers of th e fam ily. El-
ders an d th e respect for el der s is a
m ajor com pon en t i n In dian cu ltu re.
Elders are th e (4 5 7 ) force for an y fam -
ily an d h en ce th e love an d respect for
elders com es from (4 5 8 ) an d is n ot ar -
tificial. An (4 5 9 ) tak es blessin gs from
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CLOZETEST
h is elders by tou ch in g th eir feet. El- 462. (1 ) st rik en (2) strik in g
ders drill an d pass on th e In dian cu l- (3) n egat ive (4) dam n able
tu re with in u s as we grow. (5) h orrifyin g
“Respect on e an oth er” is an oth er 463. (1 ) for n eed (2) n eed fu l
lesson th at is tau gh t from th e book s of
(3) in n eed of (4 ) for wan t of
Indian cu ltu re. All people are alik e an d
(5) requ i red
respectin g on e an oth er is on es du ty.
In foreign cou n tries th e relation (4 6 0 ) Di r ect i on s (4 6 4 -4 7 3 ) : In th e fol-
th e boss an d th e em ployee is lik e a lowing passage, th ere are blank s, each
(4 6 1 ) an d slave an d is pu rely m on e- of wh ich h as been nu m bered. These
tary wh ereas in In dian cu ltu re th e re- nu mbers are prin ted below th e passage
lation between th e boss an d th e em - and again st each, five words are su g-
ployee is m ore lik e h om ely relation s gested, one of wh ich fits th e blan k s ap-
propriately. Find ou t the appropriate
u n lik e foreign cou n tries.
word in each case.
Hel pfu l n atu re is an oth er (4 6 2 )
(I n di an Ov er seas Ban k PO
featu re i n ou r In dian cu ltu re. Ri gh t
On l i n e Ex am . 01.09.2013)
from ou r early days of ch ildh ood we
are tau gh t to h elp on e an oth er (4 6 3 ) With th e U.S. m ilitary tied down
h elp an d distress. If n ot m on etary then on two fron ts an d th e rest of th e world
at least in k ind or n on-m onetary ways. growin g (4 6 4 ) to Am erican power, th e
In dian cu ltu re tells u s to m u ltiply an d challen ges for Rice are as (46 5) as they
distribu te joy an d happiness and share h ave been for an y Secretary of State
sadn ess an d pain . It tells u s th at by in th e past t h r ee decad es. After six
all this we can develop co-operation and years of tu sslin g with oth ers on Bu sh’s
n ation al-secu rity team , Rice h as seen
bet ter livi n g am on gst ou rsel ves an d
off h er rivals an d (4 6 6 ) as th e prin ci-
su bsequ en tly mak e th is world a better
pal spok esper son for B u sh ’s foreign
place to live in .
policy. Her reward h as been to (4 6 7 )
Even th ou gh In dia is a cou n try of
variou s religion s an d caste ou r cu ltu re respon s-ibility for sellin g a failed poli-
cy i n Ir aq an d fram i n g a legacy for
tells u s ju st on e th in g ‘ph ir bh i dil h ai
Hin du stan i . Bu sh at a tim e wh en (46 8) in the world
are in th e m ood to h elp h er. “Bu sh is
454. (1 ) di ver se (2 ) aver se
severely (4 6 9 ) an d h as very little cred-
(3 ) poor
ibility or su pport at h om e or abroad,”
(4) recon ciliatory says Leslie Gelb, form er presiden t of
(5 ) rever se th e Cou ncil on Foreign Relations. “Th at
455. (1) rem ain s (2) rem ain is (4 7 0 ) tru e for h is Secretary of State.
(3) rem ainin g (4 ) reveren t So th ey are basically flailin g arou n d.”
(5 ) reform ed Th at’s a grim assessm en t, sin ce
456. (1) ill-treat (2 ) deals in th e (47 1) to internation al order are big-
ger today th an at an y oth er tim e sin ce
(3 ) t reats (4 ) tr eat ed
th e en d of th e cold war. Th e m ost im -
(5 ) b eh ave
m ediate sou rce of (47 2) emanates from
457. (1 ) d iversi ve (2 ) d riven Iraq, where the cou ntry’s civil war risk s
(3) devastatin g (4 7 3 ) a region -wide con flict.
(4) derivin g (5) dr ivin g 464. (1) resistan t (2) su bservien t
458. (1) with in (3) immu ne (4) cordial
(2) su rrou n din g (5) in differen ce
(3) proximity 465. (1) obviou s (2) trivial
(4) ou tside (3) su perflu ou s (4) dau nting
(5) ou tsou rcin g (5) rewardin g
459. (1) individu al (2) illiterate 466. (1) ren am ed (2) em er ged
(3 ) en rich ed (4 ) eld er (3) appointed (4) en tru sted
(5) in dividu als (5) visited
460. (1) am on g (2 ) wi th 467. (1) sh irk (2) avoid
(3 ) between (4) of
(3) tran sfer (4) visu alize
(5) in (5) inherit
461. (1 ) m ast er (2) zamin dar 468. (1) people (2) few
(3 ) own er (4 ) ward en (3) diplomats (4) au tocrats
(5) em ployer (5) most
-102-

469. (1) in ten sified
(2) master -m in ded
(3) weak en ed
(4) projected (5) su pported
470. (1) not (2) u niformly
(3) rem otely (4) partially
(5) also
471. (1) admirations (2) th reats
(3) pleasantries (4) demands
(5) accolades
472. (1) in stability
(2) fu el (3) en ergy
(4) peace (5) atrocity
473. (1) defu sin g (2) demolishing
(3) terminating (4) igniting
(5) extingu ishing
Di rect i on s (4 7 4 –48 3 ) : In th e fol-
lowin g passage th ere are blank s, each
of wh ich h as been nu m bered. These
nu mbers are prin ted below th e passage
and again st each, five words are su g-
gested, on e of which fits the blank ap-
propriately. Find ou t the appropriate
word in each case.
(BOB M an i pal Sch ool of Ban k i n g
Of f i cer On l i n e Ex am , 14.08.2014)
Th e (4 7 4 ) of losing you r job is get-
tin g sm aller an d sm aller. As econ om y
h as i m p r oved an d em p l oyer s h ave
(4 7 5 ) con fi d en ce, com p an i es h ave
been steadily sh eddin g fewer work ers.
Th e tren d m ean s greater job secu rity
and su ggests a critical tu rn in g poin t in
th e econ om ic recovery. It (4 7 6 ) th e
h ope th at work ers’pay will fin ally ac-
celerate after grin din g th rou gh a slu g-
gish recovery for th e past h alf–decade.
Wh en th e econ om y (4 7 7 ) in to reces-
sion at the en d of 2007, em ployers cu t
deeply in to th eir staffs. An d th en du r -
in g th e recovery, they hired on ly (4 78 ).
In stead, th ey sou gh t to m axim ize th e
produ ctivity of th eir existin g em ploy-
ees. Bu t in recen t m on th s, th e pictu re
h as (4 7 9 ). E m p l oy er s h ave ad d ed
2 0 0,0 0 0 –pl u s j ob s for fi ve st r aigh t
m on th s, an d th e u n em ploym en t rate
h as reach ed 6.1 percen t, th e lowest
sin ce 2008. Now, th e steadily declin -
in g level of layoffs su ggests th at em -
ployers m ay h ave to h ire even m ore
(4 8 0 ) an d rai se p ay i f th ey wan t to
expan d th eir bu sin esses. Th e sh ort-
age of laid-off work ers search in g for
jobs m ean s th at m ore com pan ies m ay
n eed to pay m ore to (4 8 1 ) talen t. Oth -
er data con firm th at across th e econ o-
m y, job cu ts h ave reach ed u n u su ally
low levels. Total layoffs in May dropped
below pre–recession levels. Still, wh ile
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CLOZETEST
l ayoffs h ave fal l en 7.5 p er cen t t h i s Man y of th e stu dies (4 8 5 ) on e or m ore
year, actu al h irin g h as in creased ju st of th e followin g topics. First, a n u m -
3 percen t. Th at’s a big reason th e job ber of an alysts (4 8 6 ) focu sed on ch ar -
m ark et m igh t n ot seem as h ealth y as act er i zi n g In d i a’s econ om i c p er for -
th e series of stron g m on th ly n et job m an ce at t h e m ost aggregat e level .
gain s m igh t su ggest. Even so, m ore Wh ile th ere is agreem en t th at growth
people with jobs m ean s m ore people did in deed i m prove du r in g th e p ast
with paych eck s, wh ich ten ds to (4 8 2 ) qu ar t er cen t u r y , r esear ch er s h ave
con su m er spen din g an d growth . After reach ed varyin g con clu sion s on som e
a sh arp (4 8 3 ) in th e econ om y in th e issu es su ch as th e tim in g an d precise
first th ree m on th s of th e year, m ost m agnitu de of th is acceleration , an d th e
econ om ists expect growth to exceed a relative im portan ce of ch an ges in do-
3 percen t an n u al pace in th e secon d m estic policy.. Th ere are on -goin g dis-
h alf of 2014. cu ssion s over th e exten t to wh ich th e
474. (1) risk (2) dangerou s cu rren t growth can be main tain ed an d
(3) risk y (4) prosperity variou s m ean s by (4 87 ) it m igh t be in -
(5) aspect creased .
475. (1) regain (2) regained Secon d, an alysts h ave exam in ed
th e beh avior of particu lar ou tpu t sec-
(3) been regain ed
tors. A n u m ber of au th ors h ave stu d-
(4) been lost (5) lost ied produ ct ivit y in m an u fact u rin g –
476. (1) raised (2) rose reachin g a wide range of conflicting con-
(3) raises (4) dim inishes cl u si on s. H owever, as ex pl ai n ed i n
(5) decreased detail by Goldar an d Mitra (2002), dif-
477. (1) sink (2) sank feren ces in th e fin din gs can be (4 8 8 )
(3) float (4) swam to a variet y of m easu rem en t issu es,
(5) floated su ch as th e u se of sin ge versu s dou -
ble deflation to con stru ct estim ates of
478. (1) hesitating (2) peacefu lly
real growth in m an u factu rin g valu e
(3) confiden tly added. Goldar (2004) provides a care-
(4) rare (5) hesitantly fu l recen t u pdate sh owi n g t h at TFP
479. (1) brigh ten ed (2) sh in in g growth in man u factu rin g (48 9) to h ave
(3) dooming (4) brighten in g slowed in th e post reform period – rais-
(5) doomed in g additional pu zzles discu ssed below.
480. (1) aggressively However, (4 90 ) difficu lties in m ea-
(2) aggression (3) faith fu l su rin g em ploym en t with in in dividu al
(4) h esitan t in du stries, ou r an alysis focu ses (4 9 1 )
on th e broader in du strial sector. Th e
(5) con fidentially
3 stu dies th at focu s on In dia’s servic-
481. (1) su bt ract (2) attr act es sector (m an y of wh ich discu ss th e
(3) attractin g (4) detr act issu e of su stain ability), an d th ose th at
(5) demean discu ss agricu ltu re, are discu ssed in
482. (1) stron g (2) weak th e body of th e paper.
(3) weak en in g (4) boostin g Given th e large body of prior re-
(5) boost search , m an y of th e resu lts to be dis-
483. (1) con traction (2) con t ract cu ssed b el ow (4 9 2 ) al r ead y wel l -
k nown to th ose in th e field. None-the-
(3) contractin g (4) expand
less, th is paper seek s to m ak e a con -
(5) expan din g
tribu tion to th at literatu re in a variety
Di rect i on s (4 8 4 –4 93 ) : In th e fol- of ways. In particu lar, th e growth ac-
lowin g passage th ere are blank s, each cou n ti n g fram ewor k , com bin ed with
of wh ich h as been nu m bered. These ou r em ph asis on data issu es, pu lls to-
nu mbers are prin ted below th e passage get h er con cer n s t h at h ave t yp i call y
and again st each, five words are su g- been treated separately, an d in som e
gested, on e of which fits the blank ap- cases, raise im plication s th at do n ot
propriately. Find ou t the appropriate appear to h ave been (4 93 ) recognized.
word in each case. Ou r u pdated growth accou n ts in cor -
(I BPS Ban k PO/ M T CWE-I V, 18.10.2014) porate recen t data revision s, som e of
Th ere is already an exten sive em - wh ich are qu ite large. Th ey also pro-
pirical literatu re – often u sin g growth vide n ew estim ates for th e con tribu -
accou n ts – th at (4 8 4 ) th ese an d oth er tions to overall growth of labor produ c-
aspect s of In dia’s econ om i c growt h . tivity growth within the major econom-
-103-

ic sectors versu s th e gain s from real-
location of labor an d capital among the
factor s.
Fu rth erm ore, we h ave exam in ed
a variety of addition al data in ou r an al-
ysis of th e role of capital accu mu lation
– providin g estim ates of th e retu rn s to
sch oolin g for h u m an capital, an d re-
portin g on tren ds in sectoral savin g
an d in vestm en t, for ph ysical capital.
Th u s, th is paper is com prised of fou r
rem ain in g section s. Th e n ext section
details th e con stru ction of growth ac-
cou n ts for In dia, with con siderable at-
ten tion paid to th e qu ality of th e u n -
derlying data.
484. (1) exam ine (2) examin es
(3) forecast (4) for ecasts
(5) augu r
485. (1) addr ess (2) denote
CLOZETEST
Scale In du stries play a sign ifican t role 501. (1) high (2) high er
in econ om ic developm en t of th e cou n - (3) high est (4) measu rable
try. Th ey are a (4 9 5 ) segm en t of In di- (5) lowest
an econom y in term s of th eir con tribu -
502. (1) u nsu itable (2) su itably
tion towards cou n try’s in du strial pro-
(3) su itable (4) strategy
du ction , exports, em ploym en t an d cre-
ation of an en trepren eu rial base. (5) u nm atch ed
These in du stries by an d large rep- 503. (1) in cen tives (2) imperatives
resen t a stage in econ om ic (4 9 6 ) from (3) n eeds (4) im provem en t
traditional to m odern technology. Small (5) help
in du stry plays a very im portan t role in Di rect i on s (5 0 4 –51 3 ) : In th e fol-
wi den i n g t h e b ase of en t repr en eu r - lowin g passage th ere are blank s, each
sh ip. Th e developm en t of sm all in du s- of wh ich h as been nu m bered. These
tries (4 97 ) an easy an d effective m ean s nu mbers are prin ted below th e passage
of achievin g broad based own ersh ip of and again st each, five words are su g-
in d u str y, th e di ffu si on of en t erpr ise gested, on e of which fits the blank ap-
an d in itiative in th e in du strial field. propriately. Find ou t the appropriate
Given th eir im portan ce, th e Govern - word in each case.
m en t policy fram ework righ t from th e (Ban k of Bar oda J un i or M an agem en t
First plan h as (4 9 8 ) th e n eed for th e Gr ade/ Scal e-I Ex am , 18.04. 2015)

(3) ad dresses (4) facilitate developm en t of SSI sector k eepin g in Visu al experien ces can (5 0 4 ) ch il-
view its (4 9 9 ) im portan ce in th e over - dren , teen agers an d even adu lts learn
(5) evolve
all econ om ic devel opm en t of In d ia. an d absorb m ore du e to its h igh ly stim -
486. (1) has (2) will Accordin gly, th e policy su pport from u latin g an d (5 05 ) engagin g im pact. It is
(3) sh ou ld have th e Govern m en t towards Sm all Scale for th is reason th at we are seein g an
(4) h ave (5) had In du stries h as ten ded to be (5 0 0 ) an d in crease in sch ools across th e globe
487. (1) wh ich (2) that favou rable to th e developm ent of sm all (5 06 ) content provider program mes in to
(3) if (4) wh et h er en t r ep r en eu r i al cl ass. Gover n m en t th eir class cu rricu lu m to (5 0 7 ) lesson s
(5) wh ose accords th e (5 0 1 ) preferen ce to devel- th rou gh video. Visu al excu rsion s an d
opm en t of SSI by fram in g an d im ple- sch ool collaboration s are (5 0 8 ) by ad-
488. (1) devote (2) attribu tes
m en ting (50 2) policies an d prom otion - van ces in h igh defin ition video, h igh
(3) attribu ted (4) decided
al sch em es. fidelity au dio and content sharing, allow-
(5) developed in g stu dents to experience a rich er and
Th e m ost im portan t prom otion al
489. (1) appeared (2) appears policy of th e Govern m en t for th e SSI’s m ore stim u latin g learn ing experien ce.
(3) look ed (4) seem ed is fiscal (5 0 3 ) in th e form of tax con - Sch ool s t h at h ave p r evi ou sl y
(5) forecast cession s an d exem ption s of direct or tran sported stu den ts to excu rsion s in
490. (1) du e to (2) becau se in direct taxes leviable on produ ction (5 0 9 ), n ow face in creased tran sporta-
(3) for wan t of (4) than or profits. tion costs, higher in su rance prem iu m s,
(5) that 494. (1) related (2) relating atten dan ce costs for th e fam ilies an d
(3) concen trated strict du ty of care policies for stu den ts
491. (1) primary (2) primarily
(4) resem bled (5) assimilated wh ile (5 1 0 ) sch ool pr operty. Virt u al
(3) ch ief (4) prim e
excu rsion s (5 1 1 ) stu den ts to im prove
(5) elementary 495. (1) mean (2) vital
th eir presen tation , research , learn in g
492. (1) is (2) was (3) in sign ifican ce an d speak in g sk ills wh ile th ey en gage
(3) shall (4) will (4) visu al (5) insignificant in a live learn ing session . Stu den ts also
(5) are 496. (1) translation (2) tansferrin g n ow h ave the ability to meet peers from
493. (1) con sisten t (2) con sisten tly (3) transition (4) transitional m an y cu ltu res, speak to su bject-m at-
(3) haphazardly (4) irregu lar (5) growth ter (51 2) lik e scientists or au th ors prac-
497. (1) offer (2) offer s tise a foreign lan gu age with stu den ts
(5) tu rbu lently
from an other cou n try, an d learn abou t
Di rect i on s (4 9 4–5 0 3 ) : In th e fol- (3) d iffer (4) di ffer s
global issu es from th e (5 1 3 ) of th eir
lowin g passage th ere are blank s, each (5) encou rage own classroom s.
of wh ich h as been nu m bered. These 498. (1) highlighting (2) highlighted 504. (1) help (2) aiding
nu mbers are prin ted below th e passage (3) heighten (4) dem eaning
and again st each, five words are su g- (3) prescribe (4) featu re
(5) dem eaned (5) presen t
gested, on e of which fits the blank ap-
propriately. Find ou t the appropriate 499. (1) strategy (2) less 505. (1) plu s (2) lon ely
word in each case. (3) complex (4) strategic (3) ably (4) m an y
(SI DBI Ban k Of f i cer Ex am , 03.09.2014) (5) m eagre (5) deeply
Econ om ic developmen t of cou n try 500. (1) con du cive (2) congru en ce 506. (1) incorporatin g
is (4 94 ) to th eir indu strial growth . In a (3) u nsu itable (4) u nfit (2) pressin g (3) followin g
developin g cou n try lik e In dia, Sm all (5) u nfair (4) partin g (5) leavin g
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
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 CLOZETEST
507. (1) m ak e (2) deman d ricu ltu ral practices for in creasin g ag- u n real’’, There are n o m aterial thin gs’’,
(3) im part (4) vision ricu ltu ral produ ction and produ ctivity. etc). Accordin g to Wisdom su ch sen -
(5) n eed Th e policy (5 2 2 ) em ph asis on (5 2 3 ) t en ces are bot h false (an d p er h ap s
credit flow at th e grou n d level. m ean in gless) an d yet 7 . Even m ore
508. (1) dissolved (2) enh an ced
514. (1) in tegral (2) cen tre t h a n Wi t t gen s t ei n , W i sd o m h a s
(3) m easu red (4) failed
(3) dominant (4) proven stressed th e ‘‘th erapeu tic’’con ception
(5) blasted of ph ilosoph y, a view th at com es ou t
(5) high est
509. (1) deed (2) total clearly in th is essay wh ere h e em ph a-
515. (1) vi ew (2) im portan ce
(3) paren t (4) person (3) u rgency (4) sou rce sises th e an alogy between ph ilosoph i-
(5) lieu cal an d n eu rotic distress 8 th em with
(5) choice
510. (1) in volvin g (2) savin g oth er k in ds of problem s.
516. (1) isolated (2) apportion ed
(3) away (4) off Th e read er wh o is in ter ested in
(3) abject (4) continu ou s
gai n i n g a fu l l er 9 w i t h Wi sd om ’s
(5) vacatin g (5) profitable
th ou gh t is referred to h is fam ou s arti-
511. (1) let (2) en able 517. (1) ju stified (2) tru e cle,. ‘‘Gods’’in philosoph y an d Psycho-
(3) presen t (4) pressu re (3) most (4) varyin g an alysi s. Ot h er m in ds i n Wisdom ’s
(5) collect (5) caterin g m ost 1 0 discu ssion of a sin gle topic
512. (1) clau ses (2) dictionaries 518. (1) not (2) seriou sly an d in m an y h is fin est work .
(3) book s (4) experts (3) must (4) positively 1 . (1) concise (2) virtu al
(5) partn ers (5) patiently (3) m ark ed (4) limited
513. (1) vacan cy (2) availability 519. (1) loans (2) fold (5) relative
(3) prem ises (4) area
(3) safety (4) comfortable 2.(1) individu ality (2) novelty
(5) branch
(5) gap (3) originality (4) com plexity
520. (1) tru th (2) aim
Di r ect i on s (5 1 4 –5 2 3) : In th e fol- (5) creativity
(3) goals (4) fou n der
lowin g passage, th ere are blank s, each 3.(1) u n profitable (2) u sefu l
(5) cou rse
of wh ich h as been n u m bered. Again st (3) advantageous (4) u nreliable
each , five words are su ggested, on e of 521. (1) mak e (2) su pply
(3) en able (4) reach (5) du rable
wh ich fits th e blank appropriately. Find
(5) focu s 4.(1) jettison (2) delimit
ou t th e appropriate word in each case.
(NABARD Of f i cer Gr ade ‘A’ On l i n e 522. (1) gives (2) k eep s (3) au gment (4) fortify
Ex am , 01. 03.20 15) (3) set (4) always (5) explore
Agricu ltu re is a (51 4) sector of ou r (5) lays 5.(1) admirably (2) primarily
econ om y an d credit plays an im por - 523. (1) au gmenting (2)sendin g (3) advertan tly (4) relu ctantly
tan t role in in creasin g agricu ltu re pro- (3) su bmitting (4)receivin g
(5) happily
du ction . Availability an d access to ad- (5) limiting
6.(1) depr essed (2) con fined
equ ate, tim ely an d low cost credit from
in stitu tion al sou rces is of great (5 1 5 ), SBI PO EXAMS (3) allu ded (4) compelled
especially to small and m argin al farm - (5) adapted
ers. Alon g with oth er in pu ts, credit is Di r ect i on s (1 -10) : In the following 7.(1) illuminating (2) damaging
essen tial for establish in g su stain able passage there are blank s, each of which (3) confu sin g (4) critical
and (5 16 ) farm in g systems. Most farm - has been nu m bered. The nu mbers are (5) u nreliable
ers are sm all produ cers engaged in ag- printed below th e passage an d again st
8.(1) compelling (2) associating
ricu ltu ral activities in areas of widely each, five words are su ggested, one of
(3) contrastin g (4) describin g
(5 17 ) potential. Experien ce h as sh own wh ich fits th e blank appropriately. Find
th at easy access to fin an cial services ou t th e appropriate words. (5) advocating
at affordable cost (51 8) affects produ c- (SBI Associ at e Ban k s PO 9.(1) comparison (2) analysis
tivity, asset form ation an d in com e an d Ex am . 14. 02.19 99) (3) agreemen t (4) elaboration
food secu rity of th e ru ral poor. Th e Alth ou gh Joh n Wisdom ’s writings (5) acqu aintance
m aj or con cer n of t h e Gover n m en t in ph ilosoph y sh ow clearly th e in flu - 10.(1) projected (2) su stained
th er efor e, is t o bri n g all th e farm er en ce of Wittgen stein , th ey n everth e- (3) prolon ged (4) prolific
h ou seh olds with in th e ban k in g (5 1 9 ) less also display a 1 orgin ality. Despite (5) attribu ted
an d prom ote com plete fin an cial in clu - th e 2 an d difficu lt of h is style, a care-
Di r ect i on s (1 1 –2 0 ) : In th e follow-
si on , Tli e Gover n m en t h as in iti at ed fu l readin g of Wisdom is seldom 3 . He
several policy measu res to improve th e in g passage th ere are blan k s, each of
is u n iqu e k in d of geniu s in ph ilosophy.
which has been nu m bered. Th ese n u m-
accessibility of farm ers to in stitu tion al Th is essay is an excellen t exam -
sou rces of credit. Th e (5 2 0 ) of th ese bers are prin ted below th e passage an d
ple of Wisdom ’s repeated attem pts to again st each , five words are su ggest-
p ol i c i es h a s b een p r o gr es si v e 4 th e u ltim ate bases of ph ilosoph ical
in stitu tion alisation for providin g timely ed, on e of wh ich fits th e blan k appro-
p er pl ex it y. A great d eal of t h e t im e priately. Fin d ou t th e appropriate word
and adequ ate credit su pport to all farm- Wisdom is 5 in terested in fin din g ou t
ers i n order to (5 2 1 ) th em to adopt in each case.
wh y m eta-ph ysician s feel 6 to u tt er
m odern tech n ology an d im proved ag- (SBI Associ at e Ban k s PO
su ch stran ge sen ten ces (e.g. ‘‘Tim e is
Ex am . 16. 07.20 00)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-105-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
 CLOZETEST
A friend in need is a friend indeed. A bers are prin ted below th e passage an d 30. (1) m isu se (2) govern an ce
man wh o stands 1 1 h is frien d in 1 2 is a again st each , five words are su ggest- (3) dish on ou r (4) cu rbin g
tru e friend. Selfless love is th e base of ed, on e of wh ich fits th e blan k appro- (5) breach
tru e frien dship. Tru e friends share each priately. Fin d ou t th e appropriate word
Di r ect i on s (3 1 -40 ) : In th e follow-
other’s joy and sorrow, pain and plea- in each case.
in g passage th ere are blan k s, each of
su re. They do n ot fall 1 3 in adversity. (SBI Ban k s PO Ex am . 20.08.2000) wh ich has been nu m bered. Th ese nu m-
Th ey have fu ll con fidence in each other. The Government seems to be in right bers are prin ted below th e passage an d
Th ey never 1 4 each other. 15 mak es ear n est to en su re m ore 2 1 in gover - again st each , five words are su ggest-
friends, adversity tries them . A selfless nance. Th e Prime Minister’s ann ou nce- ed, on e of wh ich fits th e blan k appro-
frien d is a 16 ; a selfish friend is a cu rse. m en t that h is Govern men t is 2 2 draft- priately. Find ou t the appropriate words.
Th e first is an angel and the second is a ing legilsation to 2 3 th e citizen ’s righ t (SBI Ban k s PO Ex am . 11.02.2001)
devil. On e m ak es you r career while the t o i n for m at i on i s i n d eed w el com e.
other 17 it. Th e tea plan t, a n ative of Sou th -
Thou gh th e talk on th e righ t to in for -
ern Ch in a, was k n own 3 1 very early
Tru e frien dsh ip m ean s great self- m ation is not n ew, we may 2 4 th e Bill
tim es to Ch in ese botany an d m edicine.
sacrifice on th e part of both . A tru e to be brou gh t early this time. Th e pre-
It is 3 2 to in th e classics 3 3 th e vari-
frien d 1 8 pleasu re an d con ven ien ce. viou s Govern men t h ad set u p a h igh -
ou s n am es of Tou , Tseh , Ch u n g, Kh a
He goes ou t of h is way an d faces diffi- level com mittee to 2 5 a draft bill. Bu t
an d Min g an d was 3 4 praised for pos-
cu lties in h is way with joy an d even n oth in g h as been heard abou t th e bat-
sessin g th e viru ses of 3 5 fatigu e, de-
with pride. J oy an d sorrow, su ccess ter sin ce, 2 6 the com mittee did qu it
ligh ting th e sou l, stren gthenin g th e will
an d failu re, good fortu n e an d m isfor - som e work . Th e issu e, h owever, h as
an d repairin g th e eyesigh t. It was n ot
tu n e, are equ ally 1 9 by a pair of tru e com e to su ch a pau se th at a solu tion
on ly adm in istered as an intern al dose,
fri en ds. Th ey 2 0 th e b u rd en of l ife can not be 2 7 fu rther. Su n ligh t is th e
bu t often 3 6 extern ally in th e form of
equ ally for th ey feel th at th ey sail in best disin fectan t, a foreign ju dge once
paste to 3 7 rh eu m atic pain s. Th e Tao-
th e sam e boat an d th at th ey h ave to said, wh ile 2 8 th e u nwarranted se-
ists claim ed it 3 8 an im portan t 3 9 of
sin k an d swim togeth er. crecy in an administrative system. When
th e elixi er of im m ort ality. Th e B u d-
11. (1) to (2) with those is au thority k now that people have
dh ists u sed it exten sively to preven t
(3) for (4) by th e righ t to ask qu estion s and th e Gov-
drowsin ess du rin g 4 0 lon g h ou rs of
(5) of ern m en t is u nder th e 2 9 to provide
meditation.
them with an swers 3 0 of au th ority, or
12. (1) adversity (2) commotion 31. (1) to (2) after
of pu blic finan ces, for personal or par -
(3) ch an ge (4) h appin ess (3) from (4) beyon d
ty ends is less lik ely to h appen .
(5) growth (5) behin d
21. (1) strictn ess (2) ru den ess
13. (1) by (2) to 32. (1) tak en (2) resorted
(3) len ien cy (4) economy
(3) off (4) with (3) awarded (4) allu ded
(5) transparen cy
(5) th rou gh (5) in trodu ced
22. (1) person ally (2) bu sy
14. (1) postu late (2) commit 33. (1) u n der (2) between
(3) not (4) relu ctantly
(3) dan ger (4) deplete (3) am on g (4) besides
(5) absolu tely
(5) betray (5) lik e
23. (1) presu mption
15. (1) Wealth (2) Prosperity 34. (1) rarely (2) loosely
(2) absolve (3) cu rb
(3) Man (4) Providen ce (3) u n der (4) severely
(4) qu estion (5) establish
(5) Well-bein g (5) high ly
24. (1) expect (2) wait
16. (1) boon (2) force 35. (1) absorbin g (2) relievin g
(3) try (4) fru strate
(3) blessin g (4) calamity (3) avoidin g (4) resolvin g
(5) appeal
(5) m essage (5) recogn isin g
25. (1) level (2) regard
17. (1) th rows (2) develops 36. (1) in serted (2) developed
(3) prepare (4) enact
(3) constru cts(4) mars (3) con ceived (4) con trolled
(5) u n earth
(5) lack s (5) applied
26. (1) even (2) as
18. (1) foregoes (2) mitigates 37. (1) recu perate (2) alleviate
(3) becau se (4) until
(3) evolves (4) appraises (3) con ceal (4) in dicate
(5) th ou gh
(5) prospers (5) slow
27. (1) fou n d (2) expect
19. (1) bu ilt (2) pleased 38. (1) to (2) also
(3) delayed (4) look ed
(3) adm ired (4) advocated (3) althou gh (4) as
(5) longed
(5) sh ared (5) hardly
28. (1) nu rtu rin g (2) criticisin g
20. (1) expect (2) sh ou lder 39. (1) in gredien t (2) aspect
(3) dem andin g (4) appreciatin g
(3) dislik e (4) propose (3) offsh oot (4) ou tcom e
(5) u pholding
(5) project (5) discovery
29. (1) preten tion (2) affect
Di r ect i on s (2 1 -3 0 ) : In th e follow- 40. (1) that (2) th ese
(3) su bstan ce (4) obligation
in g passage th ere are blan k s, each of (3) th eir (4) ou r
(5) property
which has been nu m bered. Th ese n u m- (5) rem ote
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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D i r ec t i o n s (4 1 -5 0 ) : I n t h e
foll owin g passage t h ere are b lan k s,
each of wh ich h as b een n u m bered.
Th ese n u m bers are prin ted below th e
passage an d again st each , five words
are su ggested, on e of wh ich fit s th e
b l an k ap p r op r i at el y . Fi n d ou t t h e
appropriate word in th e con text of th e
passage in each case.
(SBI Associ at e Ban k s PO
Ex am . 21. 07.20 02)
I n t h es e d a y s o f ec o n om i c
l i b er al i sat i on , gl ob a l i s at i on , et c.
m aterialistic valu es h ave assu m ed 4 1
im portan ce, Mon ey, ph ysical com forts
an d lu xu ries are th e m ost sou gh t after
aspects.Th er e h as b een 4 2 com pet-
i t i on . Su ch com p et i t i on 4 3 u n d u e
stress. Th e stress leads to 4 4 of health
of th e people. In dian cu ltu re h as 4 5
its strik in g u n iqu en ess, as again st th e
Wester n cu ltu re, in th e fact th at th ere
is a 4 6 place for spiritu alism in ou r
valu e system in all walk s of life. Th e
spiritu ality is a very 4 7 force wh ich
h elps u s in m ain tain in g ou r ph ysical
an d m en tal h ealth . It gives u s 4 8 to
cope with th e stress. Wester n ers h ave
n ow 4 9 th e im portan ce of spiritu ality
an d, th erefore, th ey h ave started 5 0
u s in th e m atter of spiritu ality.
41. (1) u su al (2) little
(3) tan gible (4) least
(5) greater
42. (1) critical (2) u nh ealthy
(3) u nequ alled (4) n o
(5) absolu te
43. (1) releases (2) deserves
(3) gen erates (4) dem on strates
(5) su ppresses
44. (1) n eglect (2) illn ess
(3) gen eration (4) deterioration
(5) en croach men t
45. (1) m aintain ed (2) illu strated
(3) m argin alized(4) bestowed
(5) forsak en
46. (1) vast (2) brief
(3) formal (4) clean
(5) distinct
47. (1) dormat (2) dedicated
(3) vital (4) comm on
(5) dynamic
48. (1) stren gth (2) tips
(3) clearan ce (4) serm on s
(5) ideals
49. (1) in form ed (2) n arrated
(3) in ten sified (4) realised
(5) inven ted
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50. (1) encou ragin g (2) imitating
(3) blaming (4) preach in g
(5) assu m in g
Di r ec t i o n s (5 1 -6 0 ) : In t h e
foll owin g p assage, th ere are blan k s,
each of wh ich h as b een n u m bered.
Th ese n u m bers are prin ted below th e
passage an d again st each , five words
are su ggested, on e of wh ich fit s th e
b l an k ap p r op r i at el y . Fi n d ou t t h e
appropriate word in each case.
(SBI Ban k PO Ex am . 18.05.2003)
The first proposal I su bm itted for
m y dissertation at UCLA was to write
a th eory of person ality. My ch airm an ,
a k in dly m an , sm iled 5 1 an d told m e
th at perh aps th is was a bit am bitiou s
for a you n g gradu ate stu den t.
5 2 I accep t ed h i s ver di ct an d
ch an ged m y topic, bu t n ot m y desire.
It 5 3 later, wh en I h ad a ch an ce to
begin to 54 a theory in m y research on
grou p dyn am ics for th e Navy du rin g
th e Korean War.
As I 5 5 t h e r easo n s f or t h e
p er s i s t a n c e o f m y i n t er es t i n
ov er a r ch i n g t h eor y , I h ad an 5 6
m em or y. Wh en I was arou n d ei gh t
year s old , I was a 5 7 baseb all fan , as
w as m y fat h er. M y h er o w as L ou
Goh ri g. I wou l d app r oach m y fat h er
i n an att em pt to pr ove to h im h ow
good Goh ri g reall y was : ‘H e h it 3 63 ,
h ad 4 9 h om e r u n s, b at t ed i n 1 6 5
r u n s . H e’s t er r i fi c I ’ M y f at h er ’s
r esp on se cau gh t m e off gu ar d : ‘Yes,
b u t h e can ’t fiel d.’I wasn ’t p rep ared
for t h at . From th en on , m y way of 5 8
wi t h m y fat h er ’s r esp on ses was t o
m ak e su re I k n ew everyt h i n g ab ou t
an y t op i c I w an t ed t o t al k t o h i m
ab ou t . Par t l y as a 5 9 , I b ecam e a
h ol i st , I h ad to m ak e su re I h ad 6 0
for ever yt h i n g.
51. (1) u su ally (2) profu sely
(3) benignly (4) abru ptly
(5) decidedly
52. (1) In dolen tly (2) Sk illfu lly
(3) Ench anted (4) Constrained
(5) Ch agrined
53. (1) lamen ted (2) resu rfaced
(3) appreciated (4) provided
(5) projected
54. (1) in ject (2) in volve
(3) exhibit (4) formu late
(5) establish
55. (1) pon dered (2) evalu ated
(3) developed (4) perfected
(5) appreciated
CLOZETEST
56. (1) in terestin g (2) obviou s
(3) engu lfin g (4) esteem ed
(5) evolvin g
57. (1) precariou s (2) hau nting
(3) deliberate (4) pervasive
(5) rabid
58. (1) patien ce (2) allian ce
(3) influ en ce (4) copin g
(5) qu estioning
59. (1) cu stom (2) capacity
(3) defen se (4) preferen ce
(5) posterity
60. (1) consideration
(2) accou nted (3) lon ging
(4) regard (5) establish ed
Di r ec t i o n s (6 1 -7 0 ) : In th e fol-
lowin g passage th ere ar e blan k s, each
of wh ich h as been n u m bered. Th ese
n u m bers are pri n ted below th e pas-
sage an d again st each , fi ve word s are
su ggest ed, on e of wh i ch fi ts th e bl an k
ap propriatel y. Fin d ou t t h e appr opr i-
ate words with ou t ch an gin g th e m ean -
in g of t h e passage.
(SBI PO Ex am . 09.01.2005)
Lately, t h e m edi a seem s to h ave
gon e berserk in (6 1 ) everyt h in g th at
per tain s to th e New Econ om y. Beh in d
th e great bu lk of t h e art icl es on t h e
su b j ect ar e t w o (6 2 ) assu m p t i on .
Fir st , t h at th e New Econ om y b u si -
n esses are lik ely to pu sh Old Econ om y
in du stries all th e way in to obli vion .
Secon d , t h at (6 3 ) ab ou t t h e New
Econ om y is far su peri or to th at of t h e
Ol d Econ om y.
Both those emphatic assu mption s
cou ld be (6 4 ) flawed. Ph ysical prod-
u ct s— t h e cor n er st on e of t h e Ol d
Econ om y— are h ardly lik ely to (6 5 ) ou t
in im por tan ce even in th e age of t h e
In tern et. After all, th e con su m ption of
ph ysi cal goods is h ar dly goi n g down .
In everythin g— from steel au tomo-
bi les (6 6 ) i s on ly goin g u p . B u t above
an d beyon d all th is, th e New Econ om y
al so n eed s Old Econ om y pr du cts to
su rvi ve. You can sel l goods on t h e
In ter n et , ater all , on ly if (6 7 ) i s pr o-
du cin g th ose goods. Besid es wh ich ,
p eo p l e s t i l l w a n t a l l t h o s e O l d
Econ om y goods.
As far as th e secon d p oin t is con -
cern ed, t h e on e big weak n ess abou t
the new Econ omy is th at it is (6 8 ) m ore
volat ile th an t h e Old Econ om y. Th e
rate of evolu tion of produ cts— th e cru x
of th e Old Econ om y— will (6 9 ) always
be sl ower th an th e rat e of t h e growth
-107-
 CLOZETEST
an d prol iferation on n ew ideas on an y cau se financial (78) m ak e it im possible n in th drin k , are (8 3 ) in wh at In dian s
gi ven su b ject. for colleges to (7 9 ) approval for n ew are best k n own to do: m edia-bash in g,
An d h en ce, t h e Ol d Econ om y teachin g posts. In fact, in Au gu st 1999, arm ch air criticism an d n ame-calling.
(based on produ cts) will always be rela- t h e Un i ver si t y Gr an t s Com m i ssi on I n ev i t a b l y t h e t a l k t u r n s t o
t i v el y m o r e (7 0 ) t h a n t h e N ew (UGC) im posed a ban on th e creation Tehelk a, an d its m an aging director and
Econ om y (based lar gel y on id eas). of n ew teach in g posts in colleges. (8 0 ) editor -in -ch ief, Taru n Tejpal, an d th e
61. (1) listen in g (2) advocate with th is problem , au th orities at th e party qu ick ly degenerates in to an orgy
u n iversity h ave decided th at servin g of gu ilt an d sh am e an d th at pecu liar
(3) ign orin g (4) adoptin g
teach ers b elon gin g to vari ou s disci- h ab i t of t h e In d i an i n t el l i gen t si a :
(5) viewin g
plin es will teach th e paper. p assi n g t h e b u ck , w i t h ever y on e
62. (1) bold (2) em phasizing
71. (1) Despite (2) Havin g presen t attack in g his neighbou r for not
(3) u nderlyin g (4) over -ridin g su pportin g Tej pal m ore. It is a trait
(3) En actin g (4) Adopting
(5) overlappin g (5) Althou gh Tejpal is (84 ) with an d has been tellin g
63. (1) glitter (2) everyth in g 72. (1) contaminate m e abou t in th e week s precedin g th is
(3) each th in g (4) proceed in ter view.
(2) clean (3) filter
(5) h igh light “Often at parties wh en som eon e
(4) protect (5) pollu te
64. (1) th in k ing (2) deliberately (8 5 ) m e ‘great job, carry on wh at you
73. (1) resu ltin g (2) wh y ar e d oi n g’, an d sh ow er s w i t h m e
(3) casu ally (4) carelessly (3) obviou s (4) as st agger i n g p r ai se, st agger i n g l ove,
(5) seriou sly (5) becau se staggerin g (8 6 ) I ju st sm ile an d let it
65. (1) lose (2) charm 74. (1) seldom (2) don't pass as I don 't wan t to score a brown ie
(3) iron (4) stan d (3) hardly (4) perfectly poin t an d say, ‘an d wh at abou t you
(5) bear (5) actu ally boss, wh at will you do ?”
66. (1) tren d (2) m ovem en t 75. (1) inability (2) deferral Th is ligh tly-tossed sen ten ce with
(3) consu mption (4) cost th e sligh test h in t of a dark ch u ck le is
(3) decision (4) failu re
(5) produ ction th e on ly tim e I h ave seen Tejpal allow
(5) relu ctan ce for bittern ess, th ou gh I h ave been (87 )
67. (1) m ass (2) som eon e 76. (1) extracts (2) trivalen cy h im for week s for sin gs of it. Becau se,
(3) n on e (4) person (3) expects (4) loses for a m an wh o h as been th e victim of
(5) mark etin g (5) assu m es th e m ost (88 ) govern men t witch -h u nts
68. (1) obviou sly (2) reportedly 77. (1) displeasu re in recen t years, Tejpal is aston ish in gly
(3) n atu rally (4) in trinsically (2) antagonism devoid of (8 9 ) You expect h im to rage,
(5) abysmally to spew fire, to h eap scorn an d an ger
(3) h u rdles
69. (1) su bjectively (2) deliberately at h is en em ies, an d in stead, wh at you
(4) con fu sion (5) priority en cou nter, is a m an in wh ose eyes you
(3) h ave (4) accordin gly 78. (1) losses (2) constrain ts see on l y com p assi on an d a wear y
(5) n ecessarily (3) apath y (4) sou n dn ess u nderstanding of the nature of the beast.
70. (1) stable (2) dogmatic (5) in depen den ce The abidin g iron y in all this is that
(3) fragile (4) volatile 79. (1) receive (2) establish u n lik e h is arm ch air su pporters in th e
(5) specific (3) em phasize (4) expect m iddle class, who rave an d ran t on h is
Di r ect i on s (7 1 –8 0 ) : In th e follow- (5) sanction b eh al f, b u t d o n ot h i n g else, Tej pal
in g passage, th ere are blan k s, each of displays forbearan ce. “Th e fact th at I
80. (1) Down (2) Familiarity
which has been nu m bered. Th ese n u m- am essen tially a literary an im al an d
bers are prin ted below th e passage an d (3) Faced (4) Con vinced t h at m y en t ir e sen si bi li ty h as b een
again st each , five words are su ggested, (5) Solu tion sh aped by literatu re h as h elped. I' m
on e of wh ich fits th e blan k appropri- D i r e c t i o n s (8 1 –9 0 ) : I n t h e not a black -an d-white person. I'm a (90)
ately. Fin d ou t th e appropriate word foll owi n g p assage t h er e ar e b l an k s wh o u n derstan ds th e greys,” h e says
in each case. each of wh ich h as b een n u m bered. to m e at a coffee sh op, over tea.
(SBI PO Ex am . 26.11.2006)
Th ese n u m bers are prin ted below th e 81. (1) of (2) in
passage an d again st each five words (3) into (4) off
(7 1 ) strin gen t an tipollu tion laws,
are su ggested, on e of wh ich fit s th e
m ass awaren ess levels in In dia abou t (5) from
b l an k ap p r op r i at el y. Fi n d ou t , t h e
th e n eed to (7 2 ) th e en viron m en t are 82. (1) feed (2) feed s
appropriate word in each case,
low. Wh ich is (7 3 ) m an y people in sist (3) fed (4) feedin g
(SBI Associ at e Ban k s PO
th at m ere laws won ’t do; wh at we (7 4 )
Ex am . 07.01.2007) (5) feed ed
n eed are “en vironm en t consciou s” citi-
In an u pper class drawin g room 83. (1) mixing (2) lending
zen s. It i s i n t h i s con t ex t t h at t h e
Un iversity's (7 5 ) to introdu ce environ - in Mu mbai, a dozen or so (8 1) the city's (3) scarin g (4) indu lging
m en t stu dies as a com pu lsory paper in telligen tsia is (8 2 ) on th e dregs of (5) pu shing
at th e u n dergradu ate level (7 6 ) sign ifi- what was a live-wire party an h ou r ago. 84. (1) ordinary (2) familiar
can ce. Th ere was som e (7 7 ) in itially Poets, editors, writers, film m ak ers, all
(3) stran ge (4) fr ee
abou t wh o wou ld teach th e paper be- card-carryin g m em bers of th e rich an d
power fu l, n ot at th is late hou r, on th eir (5) ru tine
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-108-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
 CLOZETEST
85. (1) bold (2) said 91. (1) flying Most of u s are (1 0 6 ) of open con -
(3) ask (4) say (2) conspicu ou s (3) vu ln erable flict an d avoid it if we can . An d th ere
(5) tells (4) big (5) poisonou s is a (1 0 7 ) to expressin g an d work in g
t h r o u gh co n f l i c t . I f t h e w o r k i n g
86. (1) delight (2) contem pt 92. (1) desist (2) adju st
t h r ou gh i n vol ves h ar sh wor d s an d
(3) worship (4) affection (3) p r efer (4) avoid
n am e-callin g people feel deeply h u rt
(5) admiration (5) nu rtu re an d relation sh ips can be (1 0 8 ). Som e-
87. (1) lu re (2) teasin g 93. (1) habit (2) in terest times perm anen tly. Some grou p mem -
(3) baiting (4) harassin g (3) goodwill (4) welfare bers m ay be afraid th at if th ey really
(5) matching (5) help (1 0 9 ) th eir an ger, th ey m ay go ou t of
94. (1) dangerou s (2) ambigu ou s con trol an d b ecom e violen t, or t h ey
88. (1) gen tle (2) good
m ay do th is. Th ese fears can be very
(3) virtu ou s (4) viciou s (3) warning (4) colou red
(11 0) an d based on experience. So wh y
(5) wick ed (5) safety
tak e th e risk ? Wh y n ot avoid con flict
89. (1) forbearan ce (2) anger 95. (1) reveal (2) paints at all costs ? Con flict is rath er lik e dis-
(3) wrath (4) for given ess (3) flash es (4) carried ease (1 1 1 ) is best. Th at m ean s atten d-
(5) gale (5) loaded in g to areas wh ere (1 1 2 ) m ay occu r
96. (1) bands (2) pieces before th ey becom e an issu e. If you
90. (1) boy (2) gu y
(3) paint (4) colou rs h ave n ot (1 1 3 ) a con flict h appen in g,
(3) you th (4) hu manbeing
you r n ext ch oice is to treat it early, or
(5) fellow (5) clothes
h ope th at it goes away. If it goes away
Di r ect i on s (9 1 -1 0 5 ) : In th e fol- 97. (1) so (2) extremely
over tim e fin e. If it (1 1 4 ), th en you will
lowin g passage, th ere are blank s, each (3) normally (4) too still h ave to h an dle (treat) it an d it is
of wh ich h as been n u m bered. Th ese (5) ver y lik ely to be m ore (1 1 5 ).
n u m bers are prin ted below th e pas- 98. (1) bold (2) pr ey 106. (1) scared (2) carefu l
sage an d again st each , five words are (3) ch ased (4) predatory (3) reck less (4) aware
su ggested, on e of wh ich fits th e blank s
(5) hu n ted (5) worried
ap p r opr i at el y wi th ou t ch an gin g i t s
99. (1) hate (2) love 107. (1) ch allenge (2) measu re
meaning. Find ou t the appropriate word
in each case. (3) approach (4) abstain (3) prin ciple (4) ch an ce
(SBI PO Pr el i m i n ar y (Ti r e-I ) (5) avoid (5) risk
Ex am . 27.04.2008) 100. (1) text (2) prem ise 108. (1) establish ed (2) malign ed
Man y k in ds of in sects are (9 1 ) (3) context (4) day (3) dam aged (4) rebu ilt
an d larger an im als learn to (9 2 ) eatin g (5) vi ew (5) in volved
th em . It is in th e (9 3 ) of th ese in sects 101. (1) profit (2) yield 109. (1) su blim ate (2) express
to sh ow a (9 4 ) flag of som e k in d. Th e (3) disadvantage (4) ride (3) minim ize (4) regu late
typical wasp, for exam ple, (9 5 ) a con -
(5) advantage (5) con trol
spicu ou s colou r pattern of black an d
yellow (9 6 ) on its body. Th is is (9 7 ) 102. (1) display (2) in dicates 110. (1) baseless (2) imaginary
di sti n ct ive t h at it is easy for a (9 8 ) (3) annou nce (4) wear (3) exaggerative
an i m al t o r em em b er i t . Aft er a few (5) bears (4) real (5) national
u n for tu n at e ex p eri en ces i s qu i ck l y 103. (1) u n registered (2) fak e 111. (1) cu re (2) diagnosis
learn s to (9 9 ) in sects bearin g th is pat- (3) honorary (4) sycoph an t (3) prescription
ter n . Oth er, u n related, poison ou s in - (5) original (4) prevention (5) m edicin e
sect species m ay also carry a sim ilar
104. (1) transport (2) in ject 112. (1) harm on y (2) discom fitu re
pattern . They becom e m em bers of wh at
h as been called a ‘warn in g clu b’. (3) possess (4) earn (3) disagreem en t
Th e im portant poin t for u s, in th e (5) load (4) con sen su s (5) statem en t
presen t (1 0 0 ) is th at som e h arm less 105. (1) trou blesome (2) deliciou s 113. (1) expressed (2) ign ored
species of in sects h ave tak en (1 0 1 ) of (3) in digestible (4) hazardou s (3) in du ced (4) seen
th is system by developin g colou r pat- (5) cheap (5) perverted
terns sim ilar to those of th e poison ou s Di r ect i on s (1 0 6 –1 1 5) : In th e fol- 114. (1) doesn ’t (2) won ’t
m em bers of th e ‘war n in g clu b’. Cer - lowin g passage, th ere are blank s, each (3) don’t (4) not
tain in nocu ou s flies, for in stance, (10 2) of wh ich h as been n u m bered. Th ese
black an d yellow ban ds on th eir bod- (5) h asn’t
n u m bers are prin ted below th e pas-
ies th at m im ic th e colou r pattern s of sage an d again st each , five words are 115. (1) credible (2) seriou s
th e wasps. By becom in g (1 0 3 ) m em - su ggested on e of wh ich fits th e blan k (3) frau du len t (4) u rgen t
bers of th e ‘warn i n g clu b’ th ey reap appropriately. Fin d ou t th e appropri- (5) sk illed
th e ben efits with ou t h avin g to (1 0 4 ) ate word in each case. Di r ect i on s (1 1 6 – 1 2 5 ) : In th e
an y real poison . Th e k illers dare n ot (SBI PO Pr el i m i n ar y (Ti r e-I ) foll owin g passage t h ere are b lan k s,
attack th em , even th ou gh th ey wou ld, Ex am . 27.07.2008) each of wh ich h as b een n u m bered.
in reality, m ak e a (1 0 5 ) m eal. Th ese n u m bers are prin ted below th e
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-109-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310

passage an d again st each , five words/
ph rases are su ggested, on e of wh ich
best fits th e blan k appropriately. Fin d
ou t th e appr opriate word/ p h rase in
each case.
(SBI Associ at es Ban k PO
Ex am . 07.03.2010)
Econ om ic growth figu res for t h e
first qu arter of th is finan cial year seem
to su pport th e claim th at t h e wor st
m ay b e over for th e In di an econ om y.
Th e grad u al revival i s also an in dica-
ti on th at t h e govern m en t ’s econ om ic
stim u lu s pack age is (11 6). Wh at cou ld,
h owever, u p set th e posi tive ou t look is
th e d rou gh t wh ich (1 1 7 ) l arge par ts
of th e cou n t ry an d it s im p act on over -
al l gr owth . Even t h ou gh t h e m on soon
h ad pick ed u p (1 1 8 ) the rains received
wer e grossl y (1 1 9 ). Th ere are clear
(12 0) th at farm ou tpu t, particu larly ce-
reals, will fal l d rasticall y. In su ffi cien t
rain i s b ou n d to sh oot u p th e (1 2 1 ) of
agr i cu l t u r al com m od i t i es an d t h at
wou ld impact th e econ omy as a wh ole.
Th e d rou gh t wou ld also (1 2 2 ) a dras-
tic redu ction in ru ral em ploym ent an d
con su m pt ion besides i n fl ation i n t h e
pr ices of food arti cles.
Food p r i ces h ave b een (1 2 3 )
si n ce th e past few m on th s, an d lower
agri cu lt u r al p rodu cti on , is l ik el y to
(1 2 4 ) t h e situ ati on . Th e gover n m en t
h as said that food grain from th e bu ffer
st ock s wi l l b e u sed t o k eep p r i ces
(1 2 5 ). Su bsidi sed food grai n is n ec-
essar y in th ese tim es, bu t i ts effec-
ti ven ess wi ll dep en d a l ot on th e di s-
tri bu ti on system .
116. (1) im practical (2) ambigu ou s
(3) failin g (4) work in g
(5) weak en in g
117. (1 ) stri k e (2 ) affect ed
(3 ) ex posed (4 ) rever ed
(5 ) al ter ed
118. (1) u nseason ably
(2) u nfavou rably
(3 ) p resen t ly
(4) m eagerly
(5) lat er
119. (1) in adequ ate (2) en ou gh
(3) missin g (4) am ple
(5) atrociou s
120. (1) con tradiction s
(2 ) ad vices (3 ) reason s
(4 ) resu l ts (5) indication s
1 2 1 . (1) produ ction (2) requ irem en t
(3 ) p rices (4) yield
(5) labou r
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
122. (1) tr igger (2 ) lead
(3) resu lt (4) contribu te
(5) dam pen
123. (1) improvin g (2) balan ced
(3) stable (4) in creasin g
(5) decreasin g
124. (1) aggravate (2) am en d
(3) smooth en (4) im pr ove
(5) ch allen ge
125. (1) u nprofitable (2) fu tile
(3) maxim u m (4) growin g
(5 ) down
Di r ec t i o n s (1 2 6 – 1 3 5 ) : In t h e
foll owin g passage t h ere are b lan k s,
each of wh ich h as b een n u m bered.
Th ese n u m bers are pri n ted b elow t h e
passage an d again st each , five words/
ph rases are su ggested , on e of wh i ch
fi ts th e bl an k ap prop riatel y. Fin d ou t
th e appr opr iat e word/ ph r ase in each
case.
(SBI & Rur al Busi n ess PO
Ex am . 1 8. 04. 201 0)
Th ere is a con siderab le am ou n t
of r esear ch ab ou t t h e fact or s t h at
m ak e a com pany in novate. So is it pos-
si ble to cr eat e an en vir on m en t (1 2 6 )
to in n ovati on ? Th is is a p art icu lar ly
pertin en t (1 2 7 ) for In d ia tod ay. Mas-
sive problem s in health , edu cation etc.
(1 2 8 ) b e solved u sin g a con ven t ion al
ap proach bu t (1 2 9 ) creative an d i n -
novative solu tions that can ensu re radi-
cal ch an ge an d (1 3 0 ). Th ere are sev-
eral factors in In dia’s (1 31 ). Few cou n -
tr ies h ave th e rich di versity th at In d ia
or it s l arge, you n g p opu lat ion (1 3 2 ).
While these (13 3) in novation policy in -
terventions certain additional steps are
also requ ired . Th ese i n clu d e (1 3 4 ) in -
vestm en t in research and developm en t
by (1 3 5 ) t h e govern m en t an d th e pr i-
vate sector, easy tran sfer of tech n ol-
ogy from th e academ ic world et c. To
fu lfil l i ts p rom ise of bei n g p rosperou s
an d t o b e at t h e forefron t, In dia m u st
be in n ovative.
126. (1) stim u li (2) con du cive
(3) in cen tive (4) facilitated
(5) im petu s
127. (1) object ive (2 ) con tr over sy
(3) dou bt (4) qu estion
(5 ) i n feren ce
128. (1) can n ot (2) possibly
(3) sh ou ld (4 ) n ever
(5) m u st
129. (1 ) n ecessary (2) apply
(3 ) n eed (4 ) con sid er
(5 ) requ ir es
CLOZETEST
130. (1) qu an tity (2) advan tages
(3 ) in crease (4) ch aos
(5 ) growth
131. (1) ch allen ges (2 ) pr aises
(3 ) favou r (4 ) leverage
(5 ) esteem
132. (1 ) bl essed (2) en j oys
(3 ) en dows (4 ) pr evai ls
(5 ) occu rs
133. (1) aid (2) jeoparadise
(3) prom otes (4 ) en du re
(5 ) cat er
134. (1) acu te (2) u tilisin g
(3) restrictin g (4) in spirin g
(5 ) i n cr eased
135. (1) both (2 ) besid es
(3) com bin in g (4) participatin g
(5) also
Di r ect i on s (1 3 6 –1 4 5) : In th e fol-
lowin g passage th ere ar e blan k s, each
of wh ich h as been n u m bered. Th ese
n u m bers are pri n ted below th e pas-
sage an d again st each , fi ve word s are
su ggest ed, on e of wh i ch fi ts th e bl an k
ap propriatel y. Fin d ou t t h e appr opr i-
at e word in each case.
(SBI Assoc i at e Ban k s PO
Ex am . 0 7. 08. 201 1)
Ar ou n d th e worl d, for ests ar e b e-
in g (1 3 6 ) at a rate of abou t th i rteen
m il lion h ectar es a year an d deforesta-
ti on accou n t s for an est im at ed 17% -
20 % of al l glob al em ission s. In add i-
ti on , for est s an d oth er t err est rial car -
bon si n k s pl ay a (1 3 7 ) role in pr e-
ventin g ru naway climate change, soak -
in g u p a fu ll 2.6 Gt of atm osp h er ic
carbon every year. Th e destr u cti on of
forests, th erefore, n ot on l y em its car -
bon -a staggerin g 1.6 Gt a year, wh ich
sever ely (1 3 8 ) forests’capacit y t o ab-
sorb em i ssi on s from oth er sou r ces -
bu t also dr ast ically (1 3 9 ) th e am ou n t
of forested lan d avai lab le to act as a
carbon sin k in th e fu tu r e.
However, t h e effect s of defores-
tation exten d beyon d carbon . Rain for -
ests (1 4 0 ) a wi de var iety of ecosys-
tem s ser vices, from r egu lati n g rai n -
fal l t o p u r i fyi n g gr ou n d wat er an d
k eepi n g fert ile soil from (1 4 1 ); defor -
estation in one area can seriou sly dam-
age food produ ction and (14 2) to clean
water in an en t ire region . Th e val u e
of gl obal ecosystem servi ces h as been
estim ated at 33 trillion USD each year
(alm ost h al f of global GDP), b u t th ese
servi ces h ave b een tak en for gr an t ed
wi t h ou t a m ech an i sm t o m ak e t h e
-110-
 CLOZETEST
m ark et reflect th eir valu e. Rain for ests (1 4 8 ) b e solved u sin g a con ven t ion al Th e fact th at t h e m ajority of Sou th
ar e al so a h om e an d (1 4 3 ) of i n com e approach bu t (1 4 9 ) creative an d in n o- Asia’s p opu lat ion of abou t 1.5 bi lli on
for a h u ge n u m b er of people in Afr i- vative solu tion s th at can en su re rad i- (1 5 6 ) i n vi llages poi n ts toward s t h e
ca, Asia, and Sou th America. (14 4) th is, cal ch an ge an d (1 5 0 ). Th ere are sev- n eed for m ar k et ers to develop a good
econ om ic pr essu res fr equ en t ly dri ve eral factors in In dia’s (1 51 ). Few cou n - u n der stan din g of ru ral m ark et s an d
both local com m u n i ties an d n at ion al tr ies h ave th e rich di versity th at In d ia th e ru ral m ark etin g ph en om en on . For
gover n m en ts in th e devel opi n g wor ld or it s l arge, you n g p opu lat ion (1 5 2 ). ou r p u rp ose, we defin e r u ral m ark et-
to (1 4 5 ) t h ese forests i n ways th at are While these (15 3) in novation policy in - in g (1 5 7 ) an y m ark eti n g acti vi ty i n
u n su stain abl e, clear -cu tt in g vast ar - terventions certain additional steps are which one domin ant participant is from
eas for fu el, tim ber, m i n in g, or agr i- also requ ir ed. Th ese in clu d e (1 5 4 ) in - a ru r al area. Th is im p lies t h at ru r al
cu ltu ral lan d. vestm en t in research and developm en t m ark etin g com p rises m ark etin g of in -
136. (1) en ded (2) dest royed by (1 5 5 ) t h e govern m en t an d th e pr i- pu ts to r u ral m ark ets as wel l as m ar -
(3) extin ct (4) k illed vate sector, easy tran sfer of t ech n ol o- k etin g of ou tpu ts from r u ral m ark ets
gy fr om t h e academ i c worl d et c. To to (1 5 8 ) geograp h ical areas.
(5) wasted
fu lfil l i ts p rom ise of bei n g p rosperou s It is n ot on ly th e si ze of t h e pop u -
137. (1) tou gh (2) im portan t
an d t o b e at t h e forefron t, In dia m u st l at ion th at m ak es ru ral m ar k ets i n
(3) vital (4) bi ggest be in n ovative. Sou th Asi a very (1 5 9 ) for m ark eters
(5) effect i ve 146. (1) stim u li (2) con du cive in India. Ru ral mark ets (16 0) for a sim-
138. (1 ) affect (2) diminish (3) in cen tive (4) facilitated il ar proport ion for con su m er du rab le
(3) in cr eases (4) altern ates (5) im petu s pr odu cts too. B an k in g system , l im i t-
(5) impairs ed avail abi lit y of cr edi t faci lit ies, an d
147. (1) objective (2) con trover sy
139. (1) plagu es (2) develops problem s of storage in frastru ctu re are
(3) dou bt (4) qu estion
ad diti on al (1 6 1 ) for m ark eters. Th ese
(3) r edu ces (4) sh orten s (5) in feren ce ch all en ges n eed (1 6 2 ) solu t ion s.
(5) in flu en ces 148. (1) can not (2) possibly Al l th e Sou t h Asian govern m en ts
140. (1) sell (2) offer s (3) shou ld (4) n ever accor d special (1 6 3 ) t o t h e develop-
(3) give (4) pr ovi de (5) must m en t of r u ral areas by ad dressin g i s-
(5) earn s su es su ch as poverty, u nequ al growth ,
149. (1) n ecessar y (2) apply
141. (1) tran sformin g an d p oor in frastru ctu r e. Th i s h as l ed
(3) n eed (4) con sid er
(2) decodin g (3) eru ptin g to (1 6 4 ) im provem en ts i n ru ral litera-
(5) requ ir es
(4) drain in g (5) erodin g cy level s i n t h e last few year s i n all
150. (1) qu antity (2) advan tages
142. (1) h an din ess (2) excess the Sou th Asian cou n tries. In addition ,
(3) in cr ease (4) ch aos in vest m en ts b y gover n m en t s in i m -
(3) availability (4) access
(5) growth pr ovi n g far m pr odu cti vit y an d gen er -
(5) su pply
151. (1) ch allen ges (2) pr ai ses at in g gr eat er em pl oym en t op por tu n i-
143. (1) begin n in g (2) sou rce ti es in ru r al areas h ave m ade ru r al
(3) favou r (4) l ever age
(3} ways (4) r efer en ce m ark ets in Sou th Asia m ore (1 6 5 ) an d
(5 ) esteem
(5) m easu re pr osperou s.
152. (1) b lessed (2) en joys
144. (1) Desp it e (2) Also 156. (1) Beli eves (2) Resi des
(3) en dows (4) prevails
(3) In spi te (4) Apart (3) Con cen tr ates (4)Focu ses
(5) occu rs
(5) Beside (5) Am algamates
153. (1) aid (2) jeopardise
145. (1) exploit (2) en com pass 157. (1) Since (2) For
(3) prom otes (4) en du re
(3) n u rtu re (4) work (3) By (4) As
(5) cater
(5) im pr ove (5) While
154. (1) acu te (2) u tilisin g
Di rect i on s (1 46 -1 55 ) : In the fol- 158. (1) D i ver se (2) Another
(3) restri ctin g (4) inspirin g
lowin g passage there are blan k s, each (3) D iffer en t (4) Oth er
(5) in creased
of wh ich h as been nu m bered. These (5) Many
nu mbers are prin ted below th e passage 155. (1) both (2) b esi des
159. (1) Valid (2) Central
and again st each , five words/ phrases (3) combining
are su ggested, on e of wh ich fit s th e (4) participatin g (3) Importan t (4) Trivial
blank appropriately. Fin d ou t th e ap- (5) Prim e
(5) also
propriate word/ phrase in each case. Di r ec t i o n s (1 5 6 –1 6 5 ) : In th e fol- 160. (1) Respon d ed
(SBI Pr obat i on ar y Of f i cer lowin g passage th ere ar e blan k s, each (2) Cou n ted (3) Accou nted
Ex am 2 8 .0 4 .2 0 13 ) of wh ich h as been n u m bered. Th ese (4) Cater ed (5) Seized
Th ere is a con siderab le am ou n t n u m bers are pri n ted below th e pas- 161. (1) Attraction s (2) Ob stacl es
of r esear ch ab ou t t h e fact or s t h at sage an d again st each , fi ve word s are (3) Challen ges (4) Pitfalls
m ak e a com p an y in n ovat e. So is i t su ggest ed, on e of wh i ch fi ts th e bl an k (5) Diver sion s
possible to create an environ ment (146) ap propriatel y. Fin d ou t t h e appr opr i-
162. (1) Pragm atic (2) Scientific
to in n ovati on ? Th is is a p art icu lar ly at e word in each case.
pertin en t (1 4 7 ) for In d ia tod ay. Mas- (3) Radical (4) In n ovative
(SBI M an agem en t Ex ecu t i v e
sive problem s in health , edu cation etc. Ex am . 2 3. 0 2. 20 14 ) (5) Practical
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-111-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310

163. (1) Fu nd (2) Bu dget
(3) Atten tion (4) Prim acy
(5) Resou r ces
164. (1) Appreciable
(2) Revolu tion ary
(3) Mind-boggling
(4) Astonishing
(5) Su rprisin g
165. (1) Appropriate
(2) Relevan t (3) Vibran t
(4) Ch allenging (5) Dyn amic
Di r ec t i o n s (1 6 6 –1 7 5 ) : In th e fol-
lowin g passage th ere ar e blan k s, each
of wh ich h as been n u m bered. Th ese
n u m bers are pri n ted below th e pas-
sage an d again st each , fi ve word s are
su ggest ed, on e of wh i ch fi ts th e bl an k
ap propriatel y. Fin d ou t t h e appr opr i-
at e word in each case.
(SBI Sp eci al i st Of f i c er
(L aw Of f i cer : M M GS Scal e-I I
On l i n e Ex am . 19. 04. 201 4)
In d ia wit h its 600 u n iversities an d
35 ,00 0 colleges is th e th ird (1 6 6 ) ed-
u cati on system in th e world . B u t 68
per cen t of th ese u n iversiti es an d 73
per cen t of coll eges are (1 6 7 ) to b e
m ediu m or low qu ality by In dian stan -
dard itself. With a severe sh ortage of
qu ality h igh er edu cation in sti tu tion s,
In d ia faces th e ch allen ge of ed u cat in g
n earl y 30 per cen t of its 1.1 bi lli on
people. Certain ly, In dia requ ires man y
m ore in stitu tion s of h igher (1 68 ) sin ce
n early 100 m i llion stu den ts are goi n g
to th e h i gh er edu cation m ark et i n t h e
n ext 10 year s. In su ch a scen ari o i m -
provin g th e stan dards of (1 6 9 ) u n iver -
sities an d establish in g qu ality in stitu -
ti on s sh ou l d be ou r p riorit y.
St eps sh ou ld be (1 7 0 ) t o r edu ce
th e d iscon n ect between h i gh er ed u -
cation i n sti tu t ion s an d in du str y r e-
qu irem en t s. Th e possib ili ties of pr i-
vate sector con tribu tion s in h igh er ed-
u cati on sh ou ld be fu lly exploited . Th e
pr act ice of bi g bu sin ess h ou ses an d
philanthropists prom otin g qu ality u ni-
versi ties i n t h e west cou ld be (1 7 1 ) i n
In dia. B u t before in i tiatin g su ch pr i-
vat e sector par ticip ation in h igh er ed-
u cation the governm ent sh ou ld en su re
th at th ere are prop er ch eck s an d con -
tr ols on th e act ivi ties of su ch en ti ties.
Al so it i s ou r recen t exp eri en ce th at
t h e m u sh r oom i n g of su b st an d ar d
sch ools an d (1 7 2 ) u n iversi ties (1 7 3 )
resu l ted in th e det eri oration of ed u -
cation al stan d ards in In di a.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
CLOZETEST
Upgr ad i n g t h e h i gh er ed u cat ion Wom en (1 7 6 ) u p h alf th e world ’s
sector especial ly i n t erm s of paten ts popu l ati on an d yet represen t a stag-
fi led an d cu tti n g edge r esearch ou t- geri n g 7 0% of t h e wor ld’s poor. We
pu t i s essen tial in im provin g In dia’s li ve in a world in wh i ch wom en l ivi n g
gl obal r an k i n g. Ou r su st ain able eco- in pover ty face gr oss (1 7 7 ) an d i n ju s-
n om ic devel opm en t dep en d s on h u - ti ce from b irt h to death . From poor
m an r esou rces. A qu al ity h igh er ed u - ed u cation t o p oor n u t rit ion to (1 7 8 )
cation base is essen tial (1 7 4 ) reap fu ll an d l ow p ay em p l oy m en t , t h e se-
ben efits of ou r dem ograph ic dividen d. qu en ce of di scr im i n at ion th at a wom -
In its m ission to redr ess i n effi cien cies an m ay su ffer d u ri n g h er en tire li fe is
in h i gh er edu cati on , th e st rat egi es of u n accept able bu t al l too com m on .
th e 12 th p lan focu s on t ech n ical ed u - Millen n iu m Developm en t Goal 3 is
cation , distan ce lear n in g, qu alit y r e- to pr om ot e gen d er equ alit y an d em -
sear ch , i n fr ast r u ct u r e, facu l t y an d power wom en . Th is MDG i s crit ical
cu rricu lu m con tent. Wh oleh earted, co- for (1 7 9 ) povert y an d im p rovin g pr os-
or di n ated effort s of th e govern m en t pects for wom en . B u t h ow can wom -
d ep ar tm en ts an d th e pr i vate sector en br eak gen der based st ereotyp es to
ar e n eeded to (1 7 5 ) t h e p lan ’s edu ca- m in i m ise di scri m i n at i on an d (1 8 0 )
tion al goals. gen der b ased violen ce wh en th ey are
16 6. (1) largest (2) large trapped in societies with socio-cu ltu ral
(3) larger (4) bigger practices wh ich rou tin ely discrim in ate
th em from h avin g equ al opportu n ities
(5) afflu en t
in ed u cation , h eal th an d liveli h ood?
167. (1) fou n ded (2) fou nd
Th ese wom en are i n vi si b le an d th e
(3) findin g (4) bei n g fou n d
(1 8 1 ) i n th eir way pr even t th em fr om
(5) been fou n d ed accessing th e most basic hu m an rights
168. (1) learn (2) learn in g an d n eed s. Th e ou t look i s b leak .
(3) played (4) paid Wo m en m a k e u p 7 0 % o f t h e
(5) paying world ’s work in g h ou rs an d (1 8 2 ) on ly
169. (1) existin g (2) ex ist ed 10 % of th e worl d’s in com e an d h alf of
(3) peri sh ed (4) excellen t wh at m en ear n . Th i s l ead s to gr eat er
(5) excitin g pover ty, sl ower econ om ic gr owt h an d
170. (1) tak e (2) took a (1 8 3 ) stan d ard of livin g. In develop-
(3) tak en (4) st op ped in g cou n t ries, m ill ion s of wom en al so
di e each year as a resu l t of gen der -
(5) for war ded
based (1 8 4 ). Th i s d eep -rooted gen d er
171. (1) r ep eated (2) repli cated discrimin ation creates a bleak ou tlook
(3) copyin g (4) repeatin g for women in developin g cou n tries. For
(5) replicatin g m i lli on s of gir ls livin g in povert y, it is
172. (1) deem ed (2) deem in g often th ose closest t o t h em wh o work
(3) dream in g (4) dream t again st th e ch i ld’s i n terests an d th eir
(5) deem fu l im m ediate en viron m en t is oft en (1 8 5 )
173. (1) h ave (2) has an d som et im es, down ri gh t h ar m fu l.
(3) h as been (4) h ave been Paren ts arran ge m ar riages wh en you
are a ch ild. Neigh bou r s say, if you are
(5) wou ld be
a girl, you m u st lim it you r activities to
174. (1) for (2) in you r h om e. Frien ds say, it i s OK n ot
(3) with (4) to to go to sch ool.
(5) by
176. (1) made (2) mak e
175. (1) reali se (2) realisin g (3) look (4) h as m ade
(3) u n derstan d (4) ach ievin g (5) com plete
(5) real ised 177. (1) equ ality (2) affecti on
Di r ec t i o n s (1 7 6 –1 8 5 ) : In th e fol-
(3) inequ ality (4) su pport
lowin g passage th ere ar e blan k s, each
of wh ich h as been n u m bered. Th ese (5) ju stice
178. (1) vu ln erable (2) weak n ess
n u m bers are pri n ted below th e pas-
sage an d again st each , fi ve word s are (3) vu ln erability
su ggest ed, on e of wh i ch fi ts th e bl an k (4) speci fi c (5) weak est
ap propriatel y. Fin d ou t t h e appr opr i- 179. (1) tack le (2) tack lin g
at e word in each case.
(3) figh t (4) tack led
(SBI Pr obat i on ar y Of f i cer
On l i n e Ex am 2 1.0 6. 201 4) (5) fou ght
-112-
 CLOZETEST
180. (1) in cr ease (2) su pport a m aj or n atu ral or m an -m ade d isas- t o grow fu r th er i n t h e (2 0 3 ) year s.
(3) weak (4) red u ce ter. Th e m ajor sh ortcom in gs observed Th is m od e or cred it r isk m i tigati on is
(5) influ encin g in Indian disaster m an agem ent, alon g m ost (2 0 4 ) to loan s with stan dardized
with their probable solu tions, are dis- paym en t sch edu les an d sim ilar cr edit
181. (1) obstacles (2) mak e
cu ssed (1 9 5 ) an im portan t basis. ri sk ch aract eri sti cs su ch as h ou si n g
(3) pleasan tries (4) pebb les
186. (1) resu lt (2) resu l ts loan s, au to loan s, cr edi t card recei v-
(5) en cou ragemen ts abl es, etc. Fu r th er, sh ed di n g l oan s
(3) resu lt ed (4) im ped es
182. (1) earn s (2) earn ed th rou gh secu ritization m ight (2 05 ) cli-
(5) sen ds
(3) spen d (4) earn en t relation sh ip. In th is con text, credit
187. (1) leads (2) leadin g derivati ves pr ovid e a n ew t ech n iqu e
(5) spen ds
(3) led (4) h as l ed for m an agin g cred it risk .
183. (1) slow (2) slower
(5) wil l lead 196. (1) by (2) onto
(3) low (4) lowest
188. (1) r espon se (2) respon din g (3) for (4) at
(5) lower
(3) respon sible (4) liable (5) th rou gh
184. (1) viol en ce (2) violen t
(5) carefu l 197. (1) watch in g (2) mitigating
(3) viru len t (4) corru ption
89. (1) vu ln erable (2) u n affect ed (3) tak ing (4) affor din g
(5) violation
(3) stron g (4) voraciou s (5) seein g
185. (1) fu nction al (2) natu ral
(5) volu ble 198. (1) lack (2) su pply
(3) artificial
190. (1) n eed fu l (2) n eed (3) scari ty (4) void
(4) dysfu nctional
(3) voice (4) vitality (5) want
(5) disfu n ctional
(5) n eeds 199. (1) lu ck (2) fort u n e
Di r ect i on s (1 86 –1 9 5 ) : In the fol-
191. (1) red u ce (2) r ed u ced (3) activities
l ow i n g p assage t h er e ar e b l an k s,
(3) redu cin g (4) in cr ease (4) opportu n ities
each of wh ich h as b een n u m bered.
Th ese n u m bers are prin ted below th e (5) in creasin g (5) ch an ce
passage an d agai n st each , five words 192. (1) I f (2) That 200. (1) place (2) tran saction
ar e su ggested, on e of wh ich fit s t h e (3) Till (4) Until (3) operation s (4) dealin g
blan k appropriately. Fin d ou t th e ap- (5) Yet (5) work
pr opr iat e word in each case. 193. (1) deficit (2) dearth 201. (1) gained (2) sold
(SBI Pr obat i on ar y Of f i cer On l i n e (3) plen ty (4) plentifu l (3) valu ed (4) bou ght
Ex am , 2 8. 0 6. 20 14 ) (5) scar ce (5) pr ofit ed
Gen er all y a di saster (1 8 6 ) i n si g- 194. (1) regu larly (2) gen erally 202. (1) gigan tic (2) slowly
n i fican t loss i n soci al, psych ological,
(3) parlicu larly (4) often (3) sligh tly
an d econ om i c asp ect s. It n ot on l y
(5) seldom (4) n eedlessly
(1 8 7 ) to stru ctu ral dam ages, bu t also
l eaves fam i l ies t or n apar t, ch il d ren 195. (1) on (2) in (5) im pressively
orp h an ed, livel ih oods destr oyed, an d (3) within (4) of 203. (1) yest er
com mu n ities trau matized. (5) with (2) fu tu ristic
Non stru ctu ral factors su ch as lack Di r ec t i o n s (1 9 6 –2 0 5 ) : In th e fol- (3) golden
of respon si ven ess of govern m en t of- lowin g passage th ere ar e blan k s, each (4) coming
fi cials an d in effecti ve leader sh i p are of wh ich h as been n u m bered. Th ese
(5) past
m ai n l y (1 8 8 ) for an y d isast er m i s- n u m bers are pri n ted below th e pas-
204. (1) d esi red
m an agem en t. In dia is (1 8 9 ) t o a va- sage an d again st each , fi ve word s are
su ggest ed, on e of wh i ch fi ts th e bl an k (2) su ited
riety of n atu ral an d m an -m ade disas-
ap propriatel y. Fin d ou t t h e appr opr i- (3) wanted
ters. St ron g an d effecti ve em er gen cy
m an agem en t h as been a felt (1 9 0 ) i n at e word in each case. (4) su itable
all corn ers of th e world. Effective pol- (SBI Associ at es PO On l i n e (5) popu lar
Ex am , 2 9. 1 1. 20 14 ) 205. (1) kill (2) lyn ch
icies play a vital role in m itigatin g th e
im pact of d isasters an d (1 9 1 ) l ik ely Th e tradition al m eth od of m an ag- (3) prom ote (4) dam age
losses of l ife an d p rop ert y. in g cr edit risk is (1 9 6 ) di versificati on . (5) bu rn
Alth ou gh (1 9 7 ) credit risk th rou gh di-
Econ omic resou rces are im portan t Di r ect i on s (2 0 6 -2 1 5) : In the giv-
versi fication i s effective, in stitu tion s
for an y d isaster m an agem en t. (1 9 2 ) en passage , t h ere ar e b lan k s, each
ar e often con st rai n ed by (1 9 8 ) of d i-
it h as been recogn ized th at econ om ic of wh ich h as been n u m b ered. Agai n st
versification (1 9 9 ) on accou n t of li m -
resou rces di d n ot n ecessaril y t ran s- each , fi ve wor ds are su ggested , on e
it ed area of (2 0 0 ). Du ri n g th e last few
l at e in t o gr eat er i n vest m en t in t h i s of wh ich fi ts th e blan k app rop riatel y.
years, m an agin g cr edi t r isk th rou gh
dom am , as th ere is n o (19 3 ) of issu es Fi n d t h e ap p r op ri at e wor d i n each
sell in g assets by way or secu ritisation
th at dem anded governments’attention case.
h as (2 0 1 ) i n p opu lar ity. Th e m ark et
an d resou rces. Di saster m an agem en t (SBI Associ at es PO On l i n e
for secu ritized asset s h as gr own (2 0 2 )
h as (1 9 4 ) acqu ired im portan ce in th e Ex am , 3 0. 1 1. 20 14 )
in th e last few years an d is exp ect ed
agen da of govern an ce, u n less th ere is
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-113-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
 CLOZETEST
Changing an organization’s cu ltu re 7.(1) r esi d es (2) foll ows
is on e of th e m ost di ffi cu l t leadersh ip RBI GRADE–B (3) set t les (4) lays
ch allen ges. Th at’s becau se an organ i-
zat ion ’s cu ltu r e (2 0 6 ) in terlock in g set
OFFICER EXAMS (5) com mitted
8.(1) ex ten d ed (2) b isected
of goal s, roles, processes, valu es com - Di r ect i on s (1 –1 0 ) : In th e follow- (3) su b ject ed (4) capt u red
m u n icati on s practi ces, attit u des an d in g p assage, t h ere ar e b lan k s, each
assu m p tion s. Th ese elem en ts (2 0 7 ) (5) attribu ted
of wh ich h as been n u m bered. Th ese
togeth er as a mu tu ally rein forcin g sys- 9.(1) revolvin g (2) in teractive
n u m bers are pri n ted below th e pas-
tem an d com bin e to preven t an y (20 8 ) sage an d again st each , fi ve word s are (3) dogmatic (4) accentu ated
to ch an ge it . Th at i s wh y si n gle-fix su ggest ed, on e of wh i ch fi ts th e bl an k (5) form ative
ch all en ges, su ch as t h e in tr odu cti on ap propriatel y. Fin d ou t t h e appr opr i- 10.(1) dem arcation
of team s. Of lean , or agi le, or scr u m at e word in each case. (2) formation (3) proliferation
or k n owledge m an agem en t or som e (RBI Gr ade-B Of f i c er (4) association (5) elicitation
n ew p r ocess, m ay (2 0 9 ) t o m ak e Ex am . 1 7 . 1 1 . 2 0 0 2 )
p rogr ess for a wh il e, bu t (2 1 0 ) th e D i r e c t i o n s (1 1 –2 0 ) : I n t h e
St u di es 1 t h e im p act of com pu t er followin g passage, th ere are bl an k s,
in terlock in g elem en ts of th e or gan isa-
m odels to su pport policy-m ak in g pro- each of wh ich h as b een n u m bered.
t i on al cu l t u r e (2 1 1 ) over an d t h e
cesses in organization s h ave 2 th at cli- Th ese n u m bers are pri n ted b elow t h e
ch an ge is in exorably drawn (2 1 2 ) in to
en t in volvem en t in th e m odel-bu ildin g passage an d again st each , fi ve wor ds
t h e ex ist in g organ i sat ion al cu lt u re.
process is often a 3 for effective m odel ar e su ggested, on e of wh ich fit s t h e
Ch an gin g a cu lt u re is lar ge scal e u n -
bu ilding. On e im portan t reason is th at b l an k s app r op ri at el y. Fi n d ou t t h e
dert ak in g an d even tu all y all of th e or -
th e p rocess of m odel b u il din g is fr e- ap propriate wor d i n each case.
gan isation al focu s for ch an gin g min ds
qu en t ly m or e i m por tan t t h an th e r e- (RBI Gr ade-B Of f i c er
wi ll n eed to be pu t in pl ay. However,
su lt in g m odel. Model bu ildi n g itsel f is Ex am . 200 7)
th e (2 1 3 ) i n wh ich th ey are dep loyed
largel y a 4 p rocess abou t th e prob- Wi th th e U.S. m ili tar y t ied down
h as a Cr iti cal (2 1 4 ) on t h e (2 1 5 ) of
lem . M ost 5 abou t t h e ch ar act eri sti cs on t wo fron t s an d th e rest of th e world
su ccess.
of an ill-stru ctu red problem are gained gr owi n g (1 1 ) t o Am er ican power, t h e
206. (1) Less (2) em b races du rin g th e 6 p rocess of design in g a ch all en ges for Ri ce are as (1 2 ) as th ey
(3) com prises (4) mak es com pu ter m odel , rath er th an after th e h ave been for an y Secret ary of State
(5) com poses m odel is fin ish ed. An oth er i m portan t in th e past t h r ee decad es. After six
207. (1) amalgam ate (2) conjoin reason is th at m ost in for m at ion in an years of tu sslin g with oth ers on Bu sh’s
(3) fit (4) stan ds or gan isat ion 7 i n th e m en t al m odels n at ion al-secu rit y team , Rice h as seen
(5) attach of or gan isation m em bers. To su pport off h er rivals an d (1 3 ) as th e pri n cip al
policy m ak in g in organ isation it is th is sp ok esper son for B u sh ’s foreign (1 4 ).
208. (1) attem pt (2) en ergy
k n owl edge wh ich n eeds to be 8 an d H er r ew a r d h a s b een t o (1 5 )
(3) ways (4) power represen ted in th e m odel . An i m por -
(5) tries respon sibility for sellin g a failed policy
tant topic in clien t-oriented or 9 m odel in Ir aq an d (1 6 ) a legacy for B u sh at a
209. (1) Look (2) appear bu ild in g th u s b ecom es th e 1 0 of rel- ti m e wh en (1 7 ) i n t h e worl d are i n t h e
(3) p er for m (4) su sp ect evan t k n owledge contained in th e men- m ood to h el p h er. “Bu sh is severely
(5) seek tal m odel s of p art icip an t s. (1 8 ) an d h as very little (1 9 ) or su pport
210. (1) especially 1.(1) evalu ating (2) focu ssin g at h om e or abroad,” says Leslie Gel b,
(2) presen t ly (3) projectin g (4) advocatin g for m er p r esi den t of th e Cou n ci l on
(3) lik ely (5) directin g Forei gn Rel ation s. “Th at is (2 0 ) tr u e
(4) even tu ally 2.(1) d evi sed (2) exh ibited for h is Secr etary of State. So th ey are
(3) con vi n ced (4) attribu ted basically flailin g arou n d.”
(5) lately
(5) indicated 11. (1) resist an t (2) su b servi en t
211. (1) Bou nce (2) throw
3.(1) su pport (2) valu ation (3) immu ne (4) cordial
(3) seize (4) jump
(3) prerequ isite (4) m aterial (5) in differen ce
(5) tak e
(5) blu eprin t 12. (1) obviou s
212. (1) forth (2) ahead
4.(1) valu able (2) du rable (2) trivial
(3) gain (4) set
(3) tediou s (4) learn in g (3) su perflu ou s
(5) back
(5) critical (4) dau nting (5) rewardi n g
213. (1) ord er (2) su ccession
5.(1) th in k ing (2) insights 13. (1) ren am ed (2) em er ged
(3) idea (4) st ep
(3) planning (4) appreciation (3) appointed (4) en t ru st ed
(5) label
(5) opin ions (5) vi sit ed
214. (1) affect (2) impact
6.(1) elongated 14. (1) aid
(3) control (4) jolt
(2) con cen trated (2) recogn ition
(5) shak e
(3) iterative (3) policy
215. (1) change (2) odd
(4) evolvin g (4) acceptability
(3) risk (4) lik elihood
(5) con su m ate (5) m in ister
(5) option
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-114-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
 CLOZETEST
15. (1 ) sh i rk (2) avoid 26. (1 ) r esou rces (2 ) pr acti ce trade you r item s or to pu rch ase item s
(3) t ran sfer (4) visu alize (3) talen t (4) contribu tion th at you wan t. Negotiation tak es place
(5) decision ju st lik e it di d h u n d red s of years ago.
(5) in herit
27. (1 ) p ossesses (2) con tribu tes 31. (1 ) d iscover ed (2 ) d at es
16. (1) focu sin g (2) fram in g
(3 ) t ran sfers (4 ) expr esses (3) began (4 ) st art ed
(3) escapin g (4) salvage
(5) retain s (5) initiated
(5) demolishing
28. (1) u n certain ty 32. (1) bou gh t (2) imagined
17. (1 ) p eop le (2) few
(2 ) n eed (3) calam ity (3) began (4 ) em erged
(3) diplom ats (4) au tocrats
(4) difficu lty (5) en cou n ter (5) in ven ted
(5) most
29 (1) dom inan ce (2) en d eavou r 33. (1 ) b u y (2 ) sell
18. (1) in ten sified
(3 ) escape (4) win n in g (3) exch an ge (4 ) gi ve
(2) m aster -m inded
(5) su rvival (5 ) r etu rn
(3) weak en ed
30 (1) vicin ity (2) imbalan ce 34. (1) importan t (2) essen tial
(4) project ed
(3 ) stak e (4) decl in e (3) resu lt (4 ) k ey
(5) su pported
(5) dish onou r (5) in ten tion
19. (1) credibility (2) difficu lty
(3) majority (4) power Di r ec t i o n s (3 1 –4 0 ) : In th e fol- 35. (1) originated (2) stood
(5) enthu siasm lowin g passage th ere ar e blan k s, each (3 ) gen erat ed (4 ) cr eat ed
20. (1) n ot (2) u n iformly of wh ich h as been n u m bered. Th ese (5 ) pr odu ced
n u m bers are pri n ted below th e pas- 36. (1 ) i ssu e (2) com eb ack
(3) rem otely (4) partially
sage an d again st each , five wor ds/ (3) with drawal (4) recall
(5) also ph rases are su ggested , on e of wh i ch
Di r ec t i o n s (2 1 –3 0 ) : In th e fol- (5) fadin g
fi ts th e bl an k ap prop riatel y. Fin d ou t
lowin g p assage th ere are blan k s each 37. (1) prim itive (2) appreci ated
th e appr opr iat e word/ ph r ase in each
of wh ich h as been n u m bered. Th ese case. (3) pr om oted (4) soph isticated
n u m bers are pri n ted below th e pas- (RBI Gr ade-B Of f i c er (5 ) b ett er
sage an d again st each fi ve word s are Ex am . 1 1. 1 0. 20 09 ) 38. (1) diminish in g
su ggest ed , on e of w h i ch fi l l s t h e
Th e b ar t er syst em for get t i n g (2 ) revival (3) per ish in g
b l an k s app r op ri at el y. Fi n d ou t t h e
goods an d servi ces (3 1 ) b ack m an y (4) declin in g (5 ) ren ewed
ap propriate wor d i n each case.
cen tu ries. In m ost cu ltu res th e bar - 39. (1 ) expen d (2) exch angin g
(RBI Gr ade-B Of f i c er
t er system was u sed b efor e m on ey (3) expan d (4) con su m e
Ex am . 200 8)
was (3 2 ). Peop l e wh o h ad sp eci fi c
Sp ort m ay b e a (2 1 ) p u rsu it for (5 ) cost
item s or services wou ld (3 3 ) th ese with
m an y yet it does d efi n e life in al l i ts 40. (1) i n sist (2 ) for ce
ot h er s for t h e t h i n gs t h ey n eed ed .
(2 2 ). Th e (2 3 ) of spor t l ies in en j oyi n g Good n egotiation was th e (3 4 ) to m ak - (3) allow (4 ) lu re
th e (2 4 ) of th e sportsm an wh o weaves in g good tr ades. Wh il e t h e bar ter sys- (5) constrain t
(2 5 ) p att ern s on t h e fiel d t o l eave t h e tem (3 5 ) based on basi c n eed s, tod ay Di r ec t i o n s (4 1 –5 0 ) : In th e fol-
watch er spel lbou n d . Gr eat (2 6 ) does th e barter system con tin u es to t h rive. lowin g passage th ere ar e blan k s, each
n ot always m ak e a great sport sm an . Th e b ar t er syst em t r an scen d s t h e of wh ich h as been n u m bered. Th ese
Wh at m ak es a gr eat sp or t sm an i s m on et ary system . Th e b art er syst em n u m bers are pri n ted below th e pas-
wh en t h at talen t (2 7 ) i tself in tim es of is m ak in g a (3 6 ) tod ay. Wh at m ak es sage an d again st each , fi ve word s are
(2 8 ). He h as to pr ove tim e an d again th e b art er system even b ett er tod ay su ggest ed, on e of wh i ch fi ts th e bl an k
th at wh en (2 9 ) of t h e team is at (3 0 ) th an ever b efore is t h at it can n ow be ap propriatel y. Fin d ou t t h e appr opr i-
h e is th e on e to b e r eli ed u pon . don e globall y. In th e past b art eri n g at e word in each case.
21. (1 ) expen si ve (2) regu lar was sim p ly d on e wi th th ose t h at were (RBI Gr ade-B Of f i c er
(3) u n u su al (4) sign ifican t locat ed n ear by. Tod ay th e barter sys- Ex am . 0 6. 0 2. 20 11 )
(5) m ean in gless tem can b e u sed in a m u ch m ore (3 7 ) Th e con ti n u i n g econ om ic crisis
22. (1 ) h u es (2) possibility way th an ever before yet it carries with h as p u t cen tr al b an k s an d govern -
(3) joy (4) con tr ast it the sam e basic m otivation – th e n eed m en ts th e worl d over in t o (4 1 ) wat ers.
(5) qu est for som eth in g th at you don ’t h ave an d For th e in d u str iali zed West , th e qu es-
th e excess of som et h in g t h at som e- tion seem s to be a ch oice between eco-
23. (1) d em an d (2) im provem en t
on e el se wan t s. n om ic st im u l u s an d jobs, in th e h ope
(3) approval (4) b eau ty
The barter system is en joying (38 ) of cr eati n g a soft er l an d in g, or a swi ft
(5) accom plish m en t in terest today. Barterin g allows you to sh ock at th e h an ds of th e free m ar -
24. (1) sk ills (2) n atu re get t h e th in gs you n eed with ou t h av- k ets, in th e h ope of get tin g th rou gh
(3) capacity (4) in du stry in g t o (3 9 ) add ition al m on ey. In stead th e (4 2 ) m ore qu ick ly. In em ergin g
(5) cu n nin g you can u se th e th in gs you n o l on ger m ark ets, th e qu est ion is h ow to deal
25. (1 ) perfect (2 ) sen sib le n eed or wan t to get th e t h in gs you do wi th bein g t h e focal p oin t for i n ves-
(3) sim ple (4) d arin g n eed. Th ere are swap m ark ets an d on - tors look in g to m axim ise ret u rn s.
li n e au ct ion s th at (4 0 ) you to sell or
(5) in tricate
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-115-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
 CLOZETEST
Sp eci fically, for th e Fed eral Re- 48. (1) ch allenged (2) overstat ed (4) description
serve in th e Un ited States, th at m ean s (3) p er fect (4) pr ed icted (5) evolu tion
(4 3 ) h u n dr ed s of bi ll ion s of d ol lars (5) sim ple 52. (1 ) coast (2) coastal
in to the m ark ets - bu ying Treasu ry bills
49. (1) weak n ess (2) st ren gth (3) coastin g (4 ) ban k
to i n cr ease li qu i di ty. In Eu r ope t h e
(3) correction (4) con tr act (5 ) ed ge
con cern i s t h at m on etary u n ion m ay
be at ri sk du e to th e st rai n s posed by (5) con fiden ce 53. (1) ign eou s (2) deposit
eu ro-zon e cou n t ries t h at are (4 4 ) in 50. (1) d en i al (2) approval (3) er osion (4) m etam orph ic
(4 5). In Asia, on the oth er hand, econo- (3) appreciation (5) deposition
m i es are su r gin g, b u t th e pr ospect of (4) access (5) disposal 54. (1) nu rsin g (2) hospitablity
hot m oney flowing into the region cou ld Di r ec t i o n s (5 1 –6 0 ) : In th e fol- (3) n ou rish in g
poten tially sp ell (4 6 ) du e to overh eat- lowin g passage th ere ar e blan k s, each (4 ) n u rsery (5) h elpfu l
ing. of wh ich h as been n u m bered. Th ese 55. (1) reclam ation
Fear s t h at t h e Fed ’s secon d n u m bers are pri n ted below th e pas- (2) accu mu late
rou n d of qu an titati ve easi n g m ay lead sage an d agai n st each five wor d s/
to a fast er pace of (4 7 ) m ay be (4 8 ). (3) accom modation
ph rases are su ggested , on e of wh i ch
US u n em p l oym en t r em ai n s p ersi s- fi ts th e bl an k ap prop riatel y. Fin d ou t (4 ) d eserti n g
t en t l y h i gh at arou n d 1 0 per cen t , th e appr opr iat e word/ ph r ase in each (5) h abitat
wh ile in flat ion rem ai n s astou n d in gly case. 56. (1 ) add (2) im pair
low at 1 per cen t or less, th e sl owest (RBI Of f i c er Gr ade ‘B’ On l i n e (3) sou n d (4 ) destr u cti ve
on r ecor d. Th at ’s desp it e t h e Fed’s Ex am . 2 5. 0 8. 20 13 ) (5) con str u ct
earli er i n jecti on of $ 1.7 t ril lion in to Marin e l ife (5 1 ) alon g t h e coast 57. (1 ) p en etrate (2 ) filt er
th e fin an cial system t o aver t an eco- an d i n t h e ocean r esu lts fr om h ar m - (3) obstru ction
n om ic depressi on i n t h e wak e of t h e fu l fish in g pr act ices su ch as trawli n g
global fin an cial crisis. (4) passin g (5) penetration
or dyn am it e fish in g; poor lan d u se
In con tr ast to th e Fed’s qu an t i- 58. (1 ) effects (2 ) affects
pr act ices i n agri cu l tu r al, (5 2 ) d evel-
tative easi n g, th e Eu rop ean Cen tr al op m en t an d forestr y sect ors; an d t h e (3) en d an gers
Ban k h as redu ced li qu idity in th e Eu - h u m an activiti es su ch as m i n in g an d (4) facilitates
ropean ban k i n g system by som e 3 50 anch orin g. Destroyed habitats in clu de (5 ) redu ces
b i l l i on eu r os d u r i n g t h e p ast fi ve sea grasses, m arsh es, corals and m an - 59. (1 ) i n cr eases (2 ) n egat es
m on t h s. Th i s r efl ect s t h e cen t r al gr oves – al l of wh i ch ar e im por tan t (3 ) redu ces (4 ) pr odu ces
ban k ’s (4 9 ) i n t h e im p roved stab ili ty n u r series for fish an d criti cal for bu ff- (5 ) redu ced
of th e ban k i n g syst em an d easier (5 0 ) erin g coasts from storm dam age. Dam -
60. (1) coastal (2) ocean
to capit al. agin g h abi tat can l ead to i n cr eased
(3) m arin e (4) lan d
41. (1 ) t est ed (5 3 ) an d sed i m en t at i on , i n cr eased
i m p a c t f r o m s t o r m s , f ew er (5 4 ) (5 ) forest
(2) u npredictable
gr ou n ds an d fewer places for an im als Di r ec t i o n s (6 1 –7 0 ) : In th e fol-
(3) u n der
an d p lan t s t o l ive. Destr u ct ive fish - lowin g passage th ere ar e blan k s, each
(4) u n qu estionable of wh ich h as been n u m bered. Th ese
in g, lan d-based sedimen tation , dredg-
(5) u n charted n u m bers are pri n ted below th e pas-
in g, m ar in e recreation , typh oon s an d
42. (1) downtu rn (2) sp ectr u m st or m s, poor agr icu l tu ral pr acti ces, sage an d again st each , fi ve word s are
(3) option s (4) hope an d coastal develom en t an d lan d (55 ) su ggest ed, on e of wh i ch fi ts th e bl an k
(5) drama in creasin gly (5 6 ) an d devast ate pr o- ap propriatel y. Fin d ou t t h e appr opr i-
43. (1) su ck in g (2) pu mping du cti ve m ari n e h abi tat s. On e m aj or at e word in each case.
(3) form in g (4) block in g ecol ogi cal i m p act d er i ves fr om i n - (RBI Of f i cer Gr ade ‘B’ Ph ase-I
cr eased sed i m en t l oad s i n coast al Ex am , 0 3. 0 8. 20 14 )
(5) prom otin g
water s fr om acvities su ch as loggin g. Th e ri se of Asian m an u fact u rers
44. (1) mired (2) safe
Sedim en tation , wh ich p rod u ces tu r - in th e 1 990s h i t Afri can fir m s h ar d;
(3) above (4) u n happy
bi dit y an d l im i ts th e (5 7 ) of su n ligh t m an y wer e wiped ou t. Nor th ern Nige-
(5) out
(5 8 ) p rim ary an d secon dar y pr odu c- ri a, wh i ch on ce h ad a (6 1 ) garm en ts
45. (1) m ark et (2) trou ble in du stry, was u n able to (6 2 ) with low-
(3) debt (4) su rplu s er s– th u s al ter in g food web d yn am -
ics. Th e sm oth erin g of coral reefs by cost im por ts. Sou th Africa h as sim ilar
(5) man ner pr obl em s; it s m an u fact u ri n g fail ed to
sedim en t also (5 9 ) fish an d pr odu ces
46. (1) positive (2) n egative grow l ast year (6 3 ) t h e con t i n en tal
ecosystem ch an ges. Ch em icals in sed-
(3) trou ble (4) growth im en t s, su ch as DD T or h eavy m et- boom.
(5) p r ocess als, m ay bioaccu m u l ate i n m ar in e l ife Th is is part ly th e (6 4 ) of gover n -
47. (1) cost as well. Oil spilling is also m ajor prob- m en ts. Bu oyed by com m odity in com e,
(2) depreciation lem for th e d estru ction of th e (6 0 ) li fe. th ey h ave n eglected in du stry’s n eed s,
51. (1) destru ction (6 5 ) for roads an d electricity. Bu t th at,
(3) cooperation
too, m ay at last be chan gin g. Wolfgan g
(4) in flation (2) con stru ction
Fen gl er, a Wor l d B an k econ om i st ,
(5) rate (3) obstru ction says, “Africa is n ow i n a good posit ion
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 CLOZETEST
to in du stri ali se with th e r igh t m ix of 9. (1) in form ed (2) n arrated
in gredients.” Th is inclu des (66 ) demog- INSURANCE EXAMS (3) in ten sified (4 ) realised
r ap h y , u r b an i sat i on , an em er gi n g (5) in ven ted
m idd le class an d st ron g services. “For Di r ec t i o n s (1 -1 0 ) : In th e follow-
10. (1) en cou ragin g
th is to h app en ,” h e ad ds, “t h e con t i- in g p assage th ere are blan k s, each of
n en t will n eed to scal e u p i ts i n fr a- wh i ch h as b een n u m b er ed . Th ese (2) im itatin g (3) blam in g
st ru ct u re (6 7 ) an d im p rove t h e bu si- n u m bers are pri n ted below th e pas- (4) preach in g (5) assu min g
n ess clim ate an d m an y [African] cou n - sage an d again st each , fi ve word s are Di r ect i o n s (1 1 -1 7 ) : In th e fol low-
tr ies h ave star ted to (6 8 ) t h ese ch al- su ggest ed, on e of wh i ch fi ts th e bl an k in g p assage, som e of th e words h ave
len ges in recen t years.” ap propriatel y. Fin d ou t t h e appr opr i- been left ou t. Read th e p assage car e-
Kenya is n ot abou t to become (69 ) at e wor d in th e con text of t h e pas- fu lly an d fi ll in th e bl an k s by select-
n ext Sou th Kor ea. Afr ican cou n tri es sage i n each case. in g th e m ost app ropriate alt ern ati ves.
are lik ely to follow a m ore diverse path , (LI C Assi st an t Adm i n i st r at i v e Of f i c er Th e qu estion n u m ber from wh ich a
ben efiti n g from th e growth of cou n t- (AAO) Ex am . 200 6 ) word is to be sel ected ou t of th e fou r
l ess sm al l an d m edi u m -sized bu si - I n t h es e d a y s o f ec o n o m i c given as altern atives, is written in each
n esses, as well as som e b ig on es. For li ber ali sati on , gl obalisati on , etc. m a- bl an k space.
th e n ex t decad e or so, services wi ll terialistic valu es h ave assu med (1) im - (Un i t ed I n d i a I n sur an c e Co.
st ill gen erate m ore jobs an d wealth in port an ce, M on ey, p h ysical com for ts (AAO) Ex am . 1 1.0 3. 200 7 )
Africa t h an m an u factu rin g, wh i ch is an d l u xu ries ar e t h e m ost sou gh t af- If we exam in e th e opportu nities for
fi n e. In d ia h as (7 0 ) for m ore th an t wo ter aspects. Th ere h as b een (2 ) com - edu cation of girls or wom en in th e less
decades on th e b ack of servi ces, wh ile petit ion . Su ch com petit ion (3 ) u n d u e develop ed cou n tr ies we u su ally fin d a
steadily bu ilding a m an u factu rin g sec- stress. Th e stress leads to (4 ) of health (1 1 ) p ictu re. In som e cou n tries t h e
tor from a very low b ase. Do n ot b et of th e p eop le. In d ian cu ltu re h as (5 ) ratio (1 2 ) boys to gir ls i n secon dary
again st Afri ca doi n g th e sam e. its strik in g u n iqu en ess, as again st th e sch ool s i s (1 3 ) t h en seven to on e. In
61. (1) thrivin g Wester n cu l tu re, in th e fact th at th ere Afgh an i st an , Tu r k ey an d Tu n i si a
(2) flou rish (3 ) d etracti ve is a (6 ) p lace for spir itu ali sm i n ou r (1 4 ) si zeable town s h ave som e sort of
(4) doom in g (5) repu lsive valu e system i n all walk s of l ife. Th e (1 5 ) wh ere boys from a vil lage m ay
sp iri tu al ity is a very (7 ) force wh i ch (1 6 ) wh i le t h ey at t en d h i gh sch ool
62. (1 ) com pet ed
h elps u s in m ai n tain i n g ou r ph ysical (1 7 ) t h er e are n o su ch faci l it i es for
(2 ) com pete (3) com plete girls.
an d m en t al h ealth . It gi ves u s (8 ) t o
(4 ) su rr en d er cope with th e stress. Wester n ers h ave 11. (1) dism al (2) h azy
(5) com m en su rate n ow (9 ) t h e i m portan ce of spi ritu ali ty (3) b righ t (4) du ll
63. (1) in spite (2) additional an d, th erefore, th ey h ave star ted (1 0 ) 12. (1 ) fr om (2) of
(3) in addition (4) desp it e u s in th e m atter of spiri tu alit y.
(3) in (4 ) for
(5 ) d espi te of 1. (1) u su al (2) little
13. (1 ) l esser (2) sm aller
64. (1) fact (2) qu ality (3) tan gible (4) least
(3 ) b ett er (4 ) m ore
(3) fau lt (4) defau lt (5 ) gr eat er
14. (1) n o (2 ) m ore
(5) fiction 2. (1) critical (2) u n h ealth y
(3 ) m ost (4 ) very
65. (1) speci fi c (2) especially (3) u n equ alled (4) n o
15. (1) sch ool (2) h otel
(3) particu lar (4) partially (5) absolu te
(3 ) offi ce (4) h ostel
(5) gen erally 3. (1 ) releases (2 ) deserves
16. (1 ) eat (2) rem ain
66. (1) favou rable (2) favou rably (3 ) gen erat es (4) dem on strates
(3) stu dy (4 ) li ve
(3) fer roci ou s (4) special (5 ) su ppr esses
17. (1 ) m oreover (2 ) an d
(5) con tr ast 4. (1 ) n eglect (2) il ln ess
(3 ) h owever (4 ) even
67. (1) expen ditu res (3) generation (4) deter ioration
D i r e c t i o n s (1 8 - 2 7 ) : I n t h e
(2) disin vestm en t (5) en croach m en t followin g passage, th ere are bl an k s,
(3) in vestm en ts 5. (1) m ain tained (2) illu strated each of wh ich h as b een n u m bered.
(4) developm en t (3) m argin alized Th ese n u m bers are pri n ted b elow t h e
(5) developin g (4 ) bestowed (5 ) forsak en passage an d again st each , fi ve wor ds
68. (1) tack le (2) tack lin g 6. (1 ) vast (2 ) b ri ef ar e su ggested, on e of wh ich fit s t h e
(3) form al (4) clean b l an k ap p r op r i at el y . Fi n d ou t t h e
(3) d ecrease (4) in cr ease
ap propriate wor d i n each case.
(5) im pr ove (5) distin ct
(LI C Assi st an t Adm i n i st r at i v e
69. (1) a (2) an 7. (1) dorm at (2) ded icat ed
Of f i c er Ex am . 200 8 )
(3) th e (4) su ch (3) vital (4) comm on
St u d i es (1 8 ) t h e i m p a c t o f
(5 ) for (5) dyn am ic com pu ter m od els to su p por t policy-
70. (1) boomed (2) booming 8. (1 ) st ren gth (2 ) ti ps m ak i n g pr ocesses i n or gan i zat i on s
(3) boom (4) expand (3) clearan ce (4 ) serm on s h ave (1 9 ) t h at cli en t in vol vem en t in
(5) plu m meted (5) i deals th e m odel -bu ild in g process i s often a

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 CLOZETEST
(2 0 ) for effective m odel b u ild in g. On e fi ts th e bl an k ap prop riatel y. Fin d ou t 36. (1) expan sion (2) fin ish in g
im por tan t reason i s t h at th e pr ocess th e appr opr iat e word/ ph r ase in each (3) with draw (4) m issin g
of m odel bu i ldi n g is frequ en tly m ore case. (5) cu ttin g
im por tan t t h an th e resu l tin g m odel. (New I n di a Assu r an ce AO 37. (1) exp ressin g (2) facin g
Model bu ildi n g itself is lar gel y a (2 1 ) Ex am . 2 5. 1 0. 20 09 ) (3) overcom in g (4) ven tu rin g
pr ocess abou t t h e problem . M ost (2 2 ) Th ere on ce was a ti m e wh en peo-
ab ou t t h e ch aract er i sti cs of an i l l - (5) wish in g
pl e t h ou gh t of th e en vir on m en t, th ey
stru ct u red problem are gain ed du rin g Di r ec t i o n s (3 8 –4 7 ) : In th e fol-
th ou gh t of i ts beau ty. Bu t n ow as t h e
t h e (2 3 ) p r o c es s o f d es i gn i n g a l owi n g passage, som e of th e word s
n atu ral beau ty of th e earth (28 ), m an y
com pu ter m odel , rath er th an after th e h ave been left ou t . Read th e passage
peopl e ar ou n d t h e wor ld h ave (2 9 ) u p
m odel is fin ish ed. An oth er i m portan t carefu ll y an d t ry to u n d erst an d wh at
to th e reali ties of ju st h ow fr agil e ou r
reason is th at m ost in for m at ion in an it is abou t. Th en fill in th e blan k s with
ear th actu ally i s. Cen tr al to th i s issu e
organisation (2 4) in th e m en tal models th e alter n at ives gi ven below th e pas-
is pollu t ion , wh ich in vol ves th e pr o-
of or gan isation m em bers. To su pport sage. )
du ction of (30 ) su bstan ces in to the air,
policy m ak in g in organ isation it is th is lan d, and water. Althou gh pollu tion has (Or i en t al I n su r an ce AO
k n owledge wh ich n eeds to be (25 ) an d been occu rr in g (3 1 ) t h e ear th ’s h ist o- Ex am . 09 .0 5 .2 01 0
represen ted in the model. An important ry, t h e rate by wh ich th e h u m an sp e- Bar celon a is n ot on e of t h e m ost
topic in cl ien t -or ien ted or (2 6 ) m od el ci es h ave (3 2 ) t o t h e am ou n t of p oll u - beau t ifu l ci ties i n t h e wor ld : it is a
b u i l d i n g t h u s b ecom es t h e (2 7 ) of tion th at h as en tered ou r en viron m en t bu sy, n oisy, m on ey-m ak in g city. All
relevan t k n owl edge con tain ed i n t h e over th e (3 3 ) so m an y years far (3 4 ) th e sam e, on a warm sp rin g m orn i n g
m en tal m odel s of p art icip an t s. th e earth ’s in h eren t abil ity to h eal i t- (3 8 ) are som e fin e places to sp en d a
18. (1) evalu ating (2) focu ssin g self . (3 9 ) h ou r or two. Th e Ram bl es, a
(3) projectin g (4) advocatin g Alon g with pollu t ion , m ass defor - t ree-li n ed aven u e as b r oad (4 0 ) as
(5) directin g est ation h as also (3 5 ) a growin g p rob- beau t ifu l as an y Pari s b ou levar d, is
19. (1) d evi sed (2) exh ibited lem t o th e h eal th of ou r en viron m en t. m agical (4 1 ) t h at ti m e of th e day,
(3) con vi n ced (4) attribu ted Th e (3 6 ) of forests wit h ou t su ffi cien t presen tin g a colou rfu l sym ph on y (4 2 )
(5) indicated reforestation h as gradu ally worn down flowers, su n ligh t an d people. An drews
n atu r e’s n at u ral d efen se again st air was (4 3 ) an in t ern ation al con feren ce
20. (1) su pport (2) valu ation
pollu tion , desertification , an d soil n u - in Barcelon a. (4 4 ) was th e fi rst ti m e
(3) prerequ isite(4) m aterial tr ien t l oss. Th is loss h as reach ed to a h e h ad (4 5 ) to th e cit y. Lik e m ost
(5) blu eprin t poin t th at we are n ow (3 7 ) a wor ld in people h e h ad (4 6 ) as lot abou t t h e
21. (1) valu able (2) du rable th e n ear fu t u re wi th ou t trees, wh i ch Ram bles an d was (4 7 ) to go t h er e.
(3) tediou s (4) learn in g wou ld u l tim ately m ean a wor ld wit h - 38. (1 ) t h ere (2) th eir
(5) critical ou t peopl e.
(3 ) t h ose (4 ) wh ere
22. (1) th in k ing (2) insights 28. (1) disappears (2) dem olish es
39. (1 ) bu sy (2 ) fir st
(3) planning (4) appreciation (3) stops (4) d estr oys
(3) qu iet (4 ) on e
(5) opin ions (5) rem ain s
40. (1 ) b u t (2 ) an d
23. (1) elongated (2) con cen trated 29. (1) back ed (2) bu ilt
(3) or (4) so
(3) iterative (4) evolvin g (3) brok en (4) wok en
41. (1) to (2 ) for
(5) con su m ate (5) realized
(3) on (4) at
24. (1) r esi d es (2) foll ows 30. (1) ad ver se (2) evil
42. (1) to (2) of
(3) set t les (4) lays (3) in secu re (4) worse
(3 ) wi th (4) am on g
(5) com mitted (5) harm fu l
43. (1) atten din g (2) visitin g
25. (1) ex ten d ed (2) b isected 31. (1) n ever (2) th rou ghou t
(3) readin g (4) participatin g
(3) su b ject ed (4) capt u red (3) always (4) for ever
44. (1) Th at (2 ) Wh en
(5) attribu ted (5) ever ywh er e
(3) It (4) Wh i ch
26. (1) revolvin g (2) in teractive 32. (1) evol ved (2) prom oted
45. (1 ) vi sit ed (2 ) been
(3) contribu ted (4) en cou raged
(3 ) com e (4 ) gon e
(3) dogmatic (4) accentu ated (5) im parted
33. (1) recen t (2) an cien t 46. (1) listen ed (2 ) seen
(5) form ative
(3) depart ed (4) past (3) l ook ed (4 ) h eard
27. (1) dem arcation (2)formation
(5) coming 47. (1 ) eager (2) wish in g
(3) proliferation (4)association
(5) elicitation 34. (1) ex ceed s (2) ou tnu mbers (3 ) pr epar ed (4 ) bu sy
Di r ec t i o n s (2 8 – 3 7 ) : In th e fol- (3) con tinu es (4) expan ds Di r ect i on s (4 8 – 5 7 ) : In th e fol-
lowin g passage th ere ar e blan k s, each lowin g passage, th ere are blank s, each
(5) m atch es
of wh ich h as been n u m bered. Th ese of wh ich h as been n u m bered. Th ese
35. (1) an swered (2) com p rise n u m bers are pri n ted below th e pas-
n u m bers are pri n ted below th e pas- (3) posed (4) solved
sage an d again st each , five wor ds/ sage an d again st each , five wor ds/
(5) resu lt ed ph rases are su ggested , on e of wh i ch
ph rases are su ggested , on e of wh i ch
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 CLOZETEST
fi ts th e bl an k ap prop riatel y. Fin d ou t 57. (1) available (2 ) assu r ed th e (5 5 ) object h e prod u ced. Mor e-
th e appropriate word/ ph rases in each (3 ) p oised (4 ) gear over, th e (6 6 ) of t h is obj ect (6 7 ) d e-
case. (5) con cen tr ated m an ded h is adap tab ili ty or i n vetive-
(Un i t ed I n di a I n su r an ce AO Di r ec t i o n s (5 8 –6 2 ) : Fi ll i n each n ess t o over com e t h e (6 8 ) w h i ch
Ex am . 2 7. 0 3. 20 11 ) of th e n u m b ered blan k s in t h e follow- ar ose. In a real sen se on e can speak
Th e i n su r an ce i n du stry is (4 8 ) i n g p assage wit h th e m ost su i tabl e of h is (6 9 ). Tod ay all is (7 0 ). A stan -
m yriad challenges arising from in tense wor d ou t of t h e al t er n at i ve gi ven dardi sed job i s don e in a stan dar d-
com petition , risin g regu latory com pli- ized (7 1 ) an d a stan dard ised j ob for a
again st each n u m ber.
an ce and growing payou ts (49 ) to frau d st an d ardi sed (7 2 ) .
(Gen er al I n su r an ce Cor p or at i on
an d n atu r al disast ers. It is (5 0 ) th at 63. (1) cosolation
AAO Ex am . 1 1. 12. 201 1 )
com petit ive pressu res wi ll m ak e off- (2) satisfaction
sh ori n g of in form ation t ech n ology (IT) (5 8 ) h er m on u m en tal repu t ati on
(3) rem u n eration
an d bu sin ess processes a gr owin g im - th e Mon a Lisa was a (5 9 ) t h irt y–on e
in ch es b y twen t y on e in ch es, sm all er (4 ) r eward
perat ive in th e in su r an ce i n du str y.
even th an th e p ost er of h er sol d in 64. (1) bet term en t
(5 1 ) to m ain stream ban k in g an d
th e Lou vre Gift sh op. Sh e h u n g on th e (2 ) ben efit
fi n an ci al ser vi ces, wh er e t h e ear l y
adopt ion of au tom ation an d IT h elped n orth west wal l of th e Sall e d es Etats (3) advan tage (4 ) p rofit
facil itat e ou tsou r cin g, first i n IT ser - (6 0 ) a two in ch –th i ck pan e of pr otec- 65. (1) com plete (2) fu ll
vi ces an d later in BPO, t h e in su ran ce ti ve plexigl as. Pain t ed on a popu l ar (3 ) perfect (4) wh ole
in du st ry h as lagged (5 2 ). Th i s i s on e wood pan el h er (6 1 ) m ist–fil led atm o-
66. (1) discoverin g
reason wh y in su ran ce companies h ave sp h er e was att ribu ted to Da Vi n ci 's
(2) creat in g
been m ore con servat ive in th eir att i- m astery of th e sfu m ato style, in wh ich
form s app ear to (6 2 ) i n t o on e an ot h - (3) m ak in g (4) attem ptin g
tu de to “bu sin ess process ou tsou r c-
er. 67. (1 ) oft en (2) gen erally
in g”, an d (5 3 ) t o offsh orin g.
58. (1) Desp it e (3) always (4) in variably
Wit h ex p ect ed cost savin gs of
30 % t o 4 0%, an d ot h er (5 4 ) su ch as (2) Un lik ely to 68. (1 ) ri ddl es (2) obstru ction s
focu sin g on core com p et en cies an d (3) Even wi th (3) d ou bts (4) difficu lties
(5 5 ) t o sk ill ed lab ou r, it is (5 6 ) th at (4) Non e of t h e above 69. (1 ) t rade (2 ) work
th e i n su ran ce offsh or in g in d u st ry is (3) talen t (4) attem pt
59. (1) Only
(5 7 ) for sign ifican t growth in th e n ext 70. (1) disappeared
th ree to fou r year s. (2) Mere
(3) J u st (2) revolu tion ised
48. (1) look in g (2 ) pr essi n g
(4) Non e of t h e above (3) ch an ged (4 ) reversed
(3) watch in g (4) facin g
60. (1) In 71. (1 ) m ode (2) m an n er
(5) focu sin g
(2) On (3) m eth od (4 ) style
49. (1 ) r eason (2 ) d u e
(3) Beh ind 72. (1 ) p ay
(3 ) owed (4 ) len t
(4) Non e of t h e above (2) rem u n eration
(5 ) m ade
61. (1) Eth er eal (3) salary
50. (1 ) featu r ed (2 ) p roof
(2) Cu riou s (4 ) wage
(3 ) wan t ed (4) th ou gh t
(3) Pictorial Di r ect i o n s (7 3 – 7 7 ) : In th e fol-
(5 ) ex pect ed
lowin g passage th ere ar e blan k s, each
51. (1) Com pared (2) Similar (4) Non e of t h e above
of wh ich h as been n u m bered. Th ese
(3) Un l ik e (4) Balan ced 62. (1 ) Get d u pl icat ed
n u m bers are pri n ted below th e pas-
(5) Alik e (2) Evaporate sage an d again st each , fi ve word s are
52. (1) in (2 ) back (3) Con stitu ted su ggested on e of wh ich fi ts th e blan k
(3) u p (4) b eh in d (4) Non e of t h e above ap propriatel y. Fin d ou t t h e appr opr i-
(5 ) sl ow Di r ec t i o n s (6 3 –7 2 ) : In th e fol- at e word in each case.
53. (1) esp ecially (2) importan t l owi n g passage, som e of th e word s Recen t ly th e Wor ld Ban k an d t h e
h ave been left ou t . Read th e passage Asian Developm en t Ban k (AD B) r e-
(3 ) pr eci se (4) m ain
carefu ll y an d t ry to u n d erst an d wh at l eased sep ar ate r eport s on pover ty.
(5) regu larly Th e World Ban k Report (7 3 ) its ben ch -
it is abou t. Th en fill in th e blan k s with
54. (1 ) ben efit (2) advan tages m ark of ext rem e pover ty by 25 cen ts
th e alter n at ives gi ven below th e pas-
(3 ) m easu r es (4 ) l osses sage. fr om $1 per person per d ay to $1.25
(5) detrim en ts (Un i t ed I n d i a I n sur an c e AAO per person a day. The ADB ann ou nced
55. (1 ) excess (2 ) op en Ex am . 0 3 . 0 6 . 2 0 1 2 ) an even h igh er ben ch m erk of $1.35
(3) availability (4) gain In earl ier days, a h an di cr afts- per p erson a day. Th ese n ew b en ch -
(5 ) access m an , th e typ ical labou rer, r ecei ved a m ar k s ar e (7 4 ) on su r vey s i n t h e
certai n (6 3 ) from th e work h e did . H is world ’s poorest cou n t ries.
56. (1 ) deem (2) t im ed
effor ts wer e m ostl y t o h is own (6 4 ). (L I C Assi st an t Ad m i n i st r at i v e Of f i c er
(3 ) believed (4 ) id ea (AAO) Ex am . 1 2.0 5. 201 3)
He saw t h e fru i ts of h is own work in
(5) dou bted
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Experts often lik e to (75 ) th at pov- fem al e d istan ce ru n n ers in t h e wor ld
er ty h as declin ed becau se of econ om - hail from this small town. A small hand-
ic gr owth in In dia an d Ch in a. Th is is pain ted sign wh ich greets visitors ou t-
wr on g an d m i slead i n g. In t h e past si de Bek oji (8 6 ) “Welcom e to th e Vi l-
twen t y-fi ve years t h e povert y rate in lage of Ath let es”. Ch ild ren h ere start
In dia h as (7 6 ) b y l ess th an on e per - ru n n in g at an early age, (8 7 ) great dis-
cen tage poin t a year. Wh eth er we u se tan ces to fetch wat er an d fi rewood or
a povert y lin e of $ 1 p er person p er to reach sch ool. At th e Olym pics, ru n -
d ay or $ 1 .2 5 p er p er son p er d ay n er s from th is sm all town are lik ely to
m ak es lit tle (7 7 ). Th e n u m ber of poor wi n m ore m edal s th an th ose from d e-
in In d ia is l arge. Th e pu r pose of th ese vel oped cou n tr i es. It wil l gi ve t h ei r
st ati stics i s n ot t o d isp u te th em b u t fam il ies a way ou t of povert y.
to st u dy wh eth er th e b en efit s of eco- 78. (1) popu lar (2) accep ted
n om ic growth ar e bein g sh ared wi th (3) common (4) alik e
th e p oor.
(5) similar
73. (1) h ei gh ten ed (2) an n ou n ced
79. (1) leave (2) alleviate
(3 ) r aised (4) m ain tained
(3) forgot (4) p reven t
(5) n otified
(5) red u ce
74. (1 ) b ased (2) collected
80. (1) shift (2) ch an ges
(3 ) in ferr ed (4) d er i ved
(3) arran ge (4) control
(5 ) gath er ed
(5) tran sform
75. (1 ) reali se (2) claim
81. (1) larger (2) fu rt h er
(3 ) di scover (4) recom m en d
(3) more (4) greater
(5) cri tici se
(5) over
76. (1 ) deplete (2) plu nge
82. (1) perfor m ed
(3) decli n ed (4 ) weak en
(2) con cen trated
(5 ) fell
(3) rival (4) focu sed
77. (1 ) d ifferen ce (2 ) effect
(5) playfu l
(3) con tr ast (4) qu estion
83. (1) con fiden t (2) con vin ce
(5) option
(3) optim ist (4) in ten ded
Di r ec t i on s (7 8 – 8 7 ) : In t h e
(5) privi lege
foll owin g passage t h ere are b lan k s,
84. (1) precau tion
each of wh ich h as b een n u m bered.
Th ese n u m bers are pri n ted b elow t h e (2) boast
(3) su spicion (4) risk
passage an d again st each fi ve wor ds
ar e su ggested, on e of wh ich fit s t h e (5) worsh ip
bl an k app rop riately. Fin d ou t th e ap-
85. (1) for (2) existin g
pr opr iat e word in each case.
(3) that (4) comprisin g
(Un i t ed I n di a I n sur an ce AO
(5) consistin g
Ex am . 2 6. 0 5. 20 13 )
86. (1) wish (2) warn
With ou t dou bt there is on e th in g
(3) inform (4) n oti ces
(7 8 ) t o all of u s-we h ave all played a
(5) reads
gam e at som e ti m e in ou r lives. Most
of u s play t o r elax or h ave fu n , bu t for 87. (1) com petin g (2) coveri n g
(3) drivin g (4) m easu rin g
m an y, pl ayin g a gam e or a sp ort is a
way to (7 9 ) p overty beh in d. In fact, (5) followin g
in m an y Afri can cou n t ries, p layin g a Di r ec t i o n s (8 8 –9 7 ) : In th e fol-
sp ort pr ofession al ly can (8 0 ) th e li ves lowin g passage th ere ar e blan k s, each
of a per son ’s en t ire fam il y. of wh ich h as been n u m bered. Th ese
For exam p le, in th e sm all town n u m bers are pri n ted below th e pas-
of Bek oji, in Eth iopia (8 1 ) th an a h u n - sage an d again st each , fi ve word s are
dr ed boys an d girl s can be seen ru n - su ggest ed, on e of wh i ch fi ts th e bl an k
n i n g at dawn everyday. Each of th ese ap propriatel y. Fin d ou t t h e appr opr i-
you th is (8 2 ) an d ser iou s an d th eir at e word in each case.
coach is (8 3 ) t h at on e of t h em wi ll be (NI ACL Ad m i n i st r at i v e Of f i c er
a world ch am p ion . Th is seem s lik e an (AO) Ex am , 10. 01. 201 5 )
id le (8 4 ) bu t i t is virtu ally a gu aran tee Accordi n g to a rep or t on 1 99 1,
in th is sm all com m u n ity (8 5 ) m ain ly th ere were abou t 5.4 bil lion p eop le in
far m ers. Man y of th e fastest m ale an d th e world . Fr om 19 90 t o 1 99 1, t h e
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CLOZETEST
popu lation increased by 95 m illion and
n ow h as contin u ed to grow at that rate.
Th is m ay (8 8 ) t o b e n ew dan ger, b u t
if on e were to th i n k of it as a pon d
dou bl in g its am ou n t of l ily pad s for
40 days, th ey wou ld see it (8 9 ). It wi ll
st art ou t wi th on e lil y p ad, th e n ext
day i t will h ave t wo an d on th e 39 th
day i t will be (9 0 ) fill ed. Th e Earth ’s
popu lation is dou blin g every 40 years.
We don ’t wan t t o wait u n til th e 79 th
year to (9 1 ) ou r prob lem or else h u -
m an k in d will n ot h ave en ou gh t im e to
ch an ge t h e i n evitable (9 2 ) t h at com e
with overpopu lation .
An ex pert on th e su bj ect bel ieves
the impact on the environ ment is equ al
to th e popu lation m u ltiplied by th e af-
fl u en ce, wh i ch m ean s t h e am ou n t of
en ergy an d food su p ply th e popu l a-
tion (9 3 ). Th erefore, with a larger pop-
u l ation , th ere i s a (9 4 ) i m pact on t h e
Earth ’s wat er, air an d l an d . A com -
m on problem , th at peop le th i n k is as-
sociated wit h overp opu lat ion is asso-
ci ated (9 5 ) ou t of space t o l ive, b u t
there are also many oth er en viron m en -
tal predicam en ts th at it (96 ). More peo-
pl e u se m ore cars, n eed m ore wat er
(9 7 ). Th erefore, popu lation con tr ol is
n ecessar y on an i n ter n at ion al level in
or der to pr otect ou r en virn m en t.
88. (1) Appear (2) seem s
(3) apparen t (4) figu re
(5) beli eved
89. (1) Accu sin gly
(2) di ffer en t ly
(3) faith fu lly
(4) fact
(5) cl eared
90. (1) Com pletely
(2) su btly
(3) for ever (4) little
(5) not
91. (1) An swer (2) su pport
(3) el evat e (4) fix
(5) pick
92. (1) Ob stacl es (2) high
(3) person alities
(4) doom
(5) collisions
93. (1) Assem bles
(2) mak es
(3) con su m es
(4) foll ows (5) gives
94. (1) Minu scu le (2) regu lar
(3) en h an ced (4) altern ate
(5) greater
-120-
 CLOZETEST
95. (1) Going (2) b e trol the popu lation. However, there has u l ati on so th at th ey are (1 0 8 ) t o h elp
(3) Ru nning (4) not n ot b een an y ot h er (1 0 7 ) su ggesti on th eir econ om y. Man y less develop ed
(5) travellin g on h ow to lower pop u lation gr owt h , cou n tries (1 0 9 ) popu lation growth be-
so li m it in g fam ili es to two ch i ldr en is cau se t h ey wan t t h ei r econ om y t o
96. (1) Resu lts
th e on ly solu tion . gr ow. Th e ex per ts wh o bel ieve th at it
(2) cr eat es
98. (1) bet ter is better for u s to l et th e popu lation to
(3) h am p ers in crease or decrease on its own al so
(2) bad
(4) cau ses th in k th at over pop u lation will n ever
(3) worse
(5) su bstan tiates (1 1 0 ) a pr obl em . (1 1 1 ) for th i s t h in k -
(4) discou ragin g in g i s th at h u m an s wil l adju st t o t h e
97. (1) Table
(5) inn ovation gr owi n g pop u lation becau se th ey are
(2) availability
99. (1) dem ote a species t h at ar e ab le to th i n k , m ak e
(3) sou r ces
(2) discou rage decisions and find solu tion s wh en they
(4) recep tion
(3) prom ote (1 1 2 ) a p r ob l em . Advocat es of th i s
(5) depletion (1 1 3 ) t h in k th at th er e i s n o n eed to
(4) prom oted
Di r ec t i o n s (9 8 –1 0 7 ) : In th e fol- worry abou t en viron m en tal problem s
lowin g passage th ere ar e blan k s, each (5) degr ad ed
becau se th ere is or will be tech n ology
of wh ich h as been n u m bered. Th ese 100. (1) over (2) ever to fi x th e p rob lem s. As for th e (1 1 4 )
n u m bers are pri n ted below th e pas- (3) always (4) often am ou n t of resou rces, th ey believe th at
sage an d again st each , fi ve word s are (5) n ever th ere wou ld be m or e p eop le to th i n k
su ggest ed, on e of wh i ch fi ts th e bl an k 101. (1) growth (2) growin g of n ew ways to m ak e i t easi er or fast-
ap propriatel y. Fin d ou t t h e appr opr i- er t o get n ewer an d m or e food an d
(3) d ecrease (4) decreasin g
at e word in each case. en er gy r esou r ces. M an y p eop l e b e-
(5) grown
(NI ACL Ad m i n i st r at i v e Of f i c er li eve th at over pop u lation wi ll cau se
(AO) Ex am , 11. 01. 201 5 ) 102. (1) en cou n ter (2) en cou n t ered
an d h as cau sed m an y en vir on m en t al
Th er e ar e ex p er t s wh o b el i eve (3) en cou n ters (4) faces pr obl em s, b u t th ey don ’t th in k (1 1 5 )
th at popu lat ion con trol i s n ot n eed ed (5) ch allen ges fam il ies h ow m an y ch i ldr en th ey are
su ch as in Singapore. Th e govern m en t 103. (1) worr ied (2) worr yin g al lowed t o h ave is th e (1 1 6 ) t o con tr ol
in Si n gap ore decided t h at it wou ld be (3) wor r ies (4) wor ry the popu lation. However, there h as not
(9 8 ) for th e cou n t ry t o grow in pop u - (5) please been an y ot h er (1 1 7 ) su ggesti on on
lation so th at th ey are able to h elp th eir h ow t o lower popu lation growt h , so
104. (1) limit (2) u nlimit
econ om y. Man y l ess developed cou n - lim i tin g fam ilies to two ch i ldren is th e
tr ies (9 9 ) p opu lat ion growth becau se (3) plentifu l (4) lim ited only solu tion .
th ey wan t th eir econ om y to grow. Th e (5) limiting The worry abou t popu lation start-
ex per ts wh o bel ieve th at it is b ett er 105. (1) try (2) tried ed wh en it was n ot iced t h at m an y of
for u s to let t h e p opu lat ion in crease (3) trying (4) th rowin g the earth ’s resou rces an d en viron men t
or decrease on it s own also th in k th at (5) think were bei n g h u r t.
overp opu lat ion will (1 0 0 ) b ecom e a 106. (1) h ave (2) had 108. (1) able (2) made
pr obl em . J u stificat ion for t h is argu - (3) tried (4) su ccessfu l
(3) has (4) wi ll be
m ent is th at h u man s will adju st them -
(5) h as been (5) caterin g
selves to the (10 1) popu lation becau se
t h ey are a sp eci es th at ar e ab l e t o 1 07 .(1) plau sible 109. (1) far t h er (2) prom ote
th in k , m ak e decision s, an d fin d sol u - (2) u nreason able (3) wi tn ess (4) su bj ect
ti on s wh en t h ey (1 0 2 ) a pr obl em Ad- (3) ill (5) dem ote
vocat es for th i s argu m en t th in k th at (4) discou ragin g 110. (1) lead (2) becom e
th ere is n o n eed to (1 0 3 ) abou t en vi- (3) cau se (4) pr ovi de
(5) worth less
ron m en tal p rob lem s becau se th ere is (5) h ave
or wi ll be tech n ology to fi x t h e prob- Di rect i on s (10 8–117) : In th e fol-
lowin g passage th ere ar e blan k s, each 111. (1) k n owl edge
lem s. As for with th e (1 0 4 ) am ou n t of
r esou r ces, t h ey b el i eve t h at t h er e of wh ich h as been n u m bered. Th ese (2) reason s (3) projectin g
wou ld be m or e p eop le to th in k of n ew n u m bers are pri n ted below th e pas- (4) tru th
ways to m ak e it easier or faster t o get sage an d again st each , fi ve word s are (5) Anticipation
n ewer an d m ore food an d en ergy r e- su ggest ed, on e of wh i ch fi ts th e bl an k
112. (1) allow (2) gen er alise
sou rces. Even d u ri n g th i s ti m e per i- ap propriatel y. Fin d ou t t h e appr opr i-
(3) en cou n ter (4) fin d
od , scien tists are (1 0 5 ) to di scover a at e word in each case.
(NI ACL Ad m i n i st r at i v e Of f i c er (5) su ffer
n ew way for people to li ve elsewh ere
(AO) On l i n e Ex am , 1 2.0 1. 201 5 ) 113. (1) pu rpose (2) mentality
su ch as u n der t h e sea. Man y p eop le
believe th at overpopu lat ion will cau se Th er e ar e ex p er t s wh o b el i eve (3) perception
an d (1 0 6 ) cau sed m an y en vir on m en - th at popu lat ion con trol i s n ot n eed ed (4) mind (5) always
tal problem s, bu t th ey don ’t th in k tell- su ch as in Singapore. Th e govern m en t 114. (1) less (2) more
in g fam i lies h ow m an y ch ild ren th ey in Si n gap ore decided t h at it wou ld be (3) few er (4) sm aller
ar e allowed to h ave i s t h e way to con - better for th e cou n tr y t o grow in pop- (5) decreasin g
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 CLOZETEST
115. (1) that (2) for 329.(2) 330.(5) 331.(1) 332.(4)
141.(3) 142.(5) 143.(2) 144.(2)
(3) abou t (4) of
145.(5) 146.(3) 147.(4) 148.(1) 333.(5) 334.(4) 335.(4) 336.(1)
(5) as
149.(5) 150.(3) 151.(4) 152.(1) 337.(5) 338.(1) 339.(2) 340.(5)
116. (1) solu tion (2) method
(3) fin d (4) sample 153.(2) 154.(4) 155.(1) 156.(4) 341.(2) 342.(1) 343.(3) 344.(4)
(5) im portan ce 345.(5) 346.(3) 347.(5) 348.(1)
157.(4) 158.(5) 159.(1) 160.(2)
117. (1) valid (2) good 349.(4) 350.(5) 351.(2) 352.(1)
161.(5) 162.(3) 163.(3) 164.(2)
(3) enou gh (4) su ccessfu l 353.(3) 354.(5) 355.(3) 356.(2)
165.(4) 166.(1) 167.(3) 168.(5)
(5) practical 357.(3) 358.(2) 359.(5) 360.(4)
169.(3) 170.(2) 171.(5) 172.(4)
361.(2) 362.(4) 363.(5) 364.(3)
SHORT ANSWERS 173.(5) 174.(4) 175.(5) 176.(3)
365.(1) 366.(3) 367.(2) 368.(1)
177.(1) 178.(2) 179.(4) 18 0.(4)
369.(4) 370.(1) 371.(2) 372.(4)
NATIONALISED BANKS 181.(4) 182.(5) 183.(1) 184.(5)
373.(5) 374.(1) 375.(3) 376.(2)
185.(3) 186.(2) 187.(4) 188.(1)
& IBPS PO/MT/SO 377.(3) 378.(2) 379.(2) 380.(1)
189.(4) 190.(1) 191.(2) 192.(3)
381.(3) 382.(3) 383.(4) 384.(4)
1.(4) 2.(2) 3.(5) 4.(3) 193.(5) 194.(4) 195.(2) 196.(3)
385. (2) 386. (4) 387. (3) 388. (5)
5.(2) 6.(1) 7.(3) 8.(5) 197.(1) 198.(5) 199.(3) 200.(4) 389. (4) 390. (5) 391. (5) 392. (1)
9.(4) 10.(1) 11.(3) 12.(4) 201.(2) 202.(5) 203.(2) 204.(4) 393. (2) 394. (4) 395. (2) 396. (1)
13.(5) 14.(2) 15.(3) 16.(5) 205.(5) 206.(3) 207.(1) 208.(2) 397. (2) 398. (4) 399. (5) 400. (1)
17.(3) 18.(2) 19.(3) 20.(5) 209.(4) 210.(3) 211.(4) 212.(5) 401. (3) 402. (5) 403. (3) 404. (4)
21.(2) 22.(4) 23.(2) 24.(2) 213.(1) 214.(3) 215.(5) 216.(2) 405. (2) 406. (1) 407. (2) 408. (4)
25.(4) 26.(3) 27.(1) 28.(5) 217.(1) 218.(2) 219.(4) 220.(1) 409. (5) 410. (1) 411. (3) 412. (5)
29.(1) 30.(2) 31.(4) 32.(3) 221.(3) 222.(4) 223.(5) 224.(1) 413. (3) 414. (5) 415. (5) 146. (1)
33.(2) 34.(1) 35.(5) 36.(3) 225.(4) 226.(2) 227.(3) 228.(2) 417. (1) 418. (1) 419. (2) 420. (5)
37.(2) 38.(4) 39.(4) 40.(2) 229.(1) 23 0.(2) 231.(4) 232.(5) 421. (4) 422. (1) 423. (4) 424. (1)
41.(2) 42.(1) 43.(2) 44.(1) 233.(3) 234.(5) 235.(4) 236.(3) 425. (1) 426. (1) 427. (3) 428. (3)
45.(4) 46.(5) 47.(5) 48.(3) 237.(1) 238.(4) 239.(5) 24 0.(2) 429. (5) 430. (4) 431. (2) 432. (5)
49.(5) 50.(2) 51.(4) 52.(3) 241.(3) 242.(3) 243.(1) 244.(4) 433. (4) 434. (2) 435. (5) 436. (2)
53.(2) 54.(3) 55.(4) 56.(2) 437. (1) 438. (2) 439. (3) 440. (4)
245.(1) 246.(3) 247.(1) 248.(2)
57.(5) 58.(3) 59.(1) 60.(2) 441. (1) 442. (5) 443. (4) 444. (3)
249.(5) 250.(4) 251.(4) 252.(2)
61.(4) 62.(4) 63.(1) 64.(3) 445. (1) 446. (4) 447. (5) 448. (1)
253.(3) 254.(2) 255.(1) 256.(5)
65.(2) 66.(5) 67.(3) 68.(4) 449. (2) 450. (4) 451. (3) 452. (5)
257.(2) 258.(3) 259.(3) 260.(4)
69.(1) 70.(3) 71.(4) 72.(5) 453. (2) 454. (1) 455. (2) 456. (3)
261.(4) 262.(4) 263.(3) 264.(1)
73.(2) 74 .(2) 75 .(4) 76 .(1) 457. (5) 458. (1) 459. (1) 460. (3)
265.(3) 266.(3) 267.(1) 268.(5)
77 .(3) 78 .(2) 79 .(1) 80 .(5) 461. (1) 462. (2) 463. (3) 464. (1)
269.(2) 270.(2) 271.(5) 272.(4)
81 .(4) 82 .(5) 83 .(3) 84.(2) 465. (4) 466. (2) 467. (5) 468. (2)
273.(3) 274.(2) 275.(4) 276.(1)
85.(3) 86.(4) 87.(1) 88.(2) 469. (3) 470. (5) 471. (2) 472. (1)
277.(3) 278.(4) 279.(5) 280.(3)
89.(5) 90.(3) 91.(4) 92.(1) 473. (4) 474. (1) 475. (2) 476. (3)
281.(4) 282.(2) 283.(1) 284.(3)
93.(5) 94.(3) 95.(1) 96.(4) 477. (2) 478. (5) 479. (1) 480. (1)
285.(2) 286.(5) 287.(2) 288.(4)
97.(5) 98.(2) 99.(3) 100.(4) 4 8 1 . (2) 482. (5) 483. (1) 484. (2)
289.(2) 290.(1) 291.(3) 292.(1)
101.(5) 102.(1) 103.(2) 104.(3) 485. (1) 486. (4) 487. (1) 488. (3)
293.(4) 294.(2) 295.(5) 296.(3)
105.(2) 106.(5) 107.(4) 108.(1) 489. (2) 490. (1) 491. (2) 492. (5)
109.(4) 110.(5) 111.(3) 112.(2) 297.(1) 298.(3) 299.(1) 300.(2)
493. (2) 494. (1) 495. (2) 496. (3)
113.(1) 114.(5) 115.(2) 116.(4) 301.(5) 302.(4) 303.(1) 304.(2)
497. (2) 498. (2) 499. (4) 500. (1)
117.(1) 118.(3) 119.(5) 120.(3) 305.(4) 306.(2) 307.(1) 308.(5)
501. (3) 502. (3) 503. (1) 504. (1)
121.(2) 122.(2) 123.(5) 124.(1) 309.(5) 310.(4) 311.(3) 312.(4)
505. (5) 506. (1) 507. (3) 508. (2)
125.(2) 126.(3) 127.(5) 128.(1) 313.(1) 314.(2) 315.(1) 316.(3)
509. (5) 510. (2) 511. (2) 512. (4)
129.(4) 130.(4) 131.(3) 132.(2) 317.(2) 318.(4) 319.(1) 320.(2) 513. (2) 514. (3) 515. (2) 516. (5)
133.(3) 134.(3) 135.(1) 136.(4) 321.(3) 322.(3) 323.(4) 324.(1) 517. (4) 518. (4) 519. (2) 520. (2)
137.(5) 138.(1) 139.(2) 140.(4) 325.(5) 326.(5) 327.(2) 328.(2) 521. (3) 522. (5) 523. (1)

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 CLOZETEST
SBI PO EXAMS 185.(4) 186.(2) 187.(1) 188.(3) 65. (4) 66. (3) 67. (1) 68. (2)
189.(1) 190.(2) 191.(3) 192.(5) 69. (3) 70. (3) 71. (1) 72. (2)
1.(3) 2.(4) 3.(1) 4.(5)
193.(2) 194.(5) 195.(1) 196.(5) 73. (3) 74. (1) 75. (2) 76. (3)
5.(2) 6.(3) 7.(1) 8.(2)
197.(2) 198.(1) 199.(4) 200.(3) 77. (1) 78. (3) 79. (2) 80. (5)
9.(5) 10.(3) 11.(4) 12.(1)
201.(1) 202.(5) 203.(4) 204.(2) 81. (3) 82. (4) 83. (1) 84. (3)
13.(3) 14.(5) 15.(2) 16.(3)
205.(3) 206.(3) 207.(3) 208.(1) 85. (4) 86. (5) 87. (2) 88. (5)
17.(4) 18.(1) 19.(5) 20.(2)
209.(2) 210.(4) 211.(5) 212.(5) 89. (2) 90. (1) 91. (3) 92. (1)
21.(5) 22.(2) 23.(5) 24.(1)
213.(1) 214.(2) 215.(4) 93. (3) 94. (5) 9 5 . (4) 96. (4)
25.(3) 26.(5) 27.(3) 28.(2)
97. (5) 98. (1) 99. (3) 100. (5)
29.(4) 30.(1) 31.(3) 32.(4) RBI GRADE–B
101. (2) 102. (1) 103. (4) 104. (4)
33.(1) 34.(5) 35.(2) 36.(5) OFFICER EXAMS 105. (3) 106. (3) 107. (1) 108. (1)
37.(2) 38.(4) 39.(1) 40.(3)
1. (3) 2. (5) 3. (3) 4. (4) 109. (2) 110. (3) 111. (5) 112. (3)
41.(5) 42.(2) 43.(3) 44.(4)
5. (2) 6. (1) 7. (4) 8. (5) 113. (3) 114. (5) 115. (3) 116. (1)
45.(1) 46.(5) 47.(3) 48.(1)
9. (2) 10. (1) 11. (1) 12. (4) 117. (1)
49.(4) 50.(2) 51.(3) 52.(2)
13. (2) 14. (3) 15. (5) 16. (2)
53.(3) 54.(4) 55.(1) 56.(1)
17. (2) 18. (3) 19. (1) 20. (5) EXPLANATIONS
57.(4) 58.(5) 59.(5) 60.(4)
61 .(5) 62.(2) 63.(4) 64.(2) 21. (5) 22. (1) 23. (4) 24. (1)
25. (5) 26. (3) 27. (2) 28. (2)
NATIONALISED BANKS
65.(4) 66.(5) 67.(1) 68.(5)
69.(4) 70.(1) 71.(1) 72.(4) 29. (5) 30. (3) 31. (2) 32. (5) & IBPS PO/MT/SO
73.(2) 74.(5) 75.(5) 76.(5) 33. (3) 34. (4) 35. (1) 36. (2) 1. (4) in cessan tly 2. (2) con stan tly
77.(4) 78.(2) 79.(1) 80.(3) 37. (4) 38. (5) 39. (1) 40. (3) 3. (5) assu m ptive 4. (3) m otives
81.(1) 82.(4) 83.(4) 84.(2) 41. (5) 42. (1) 43. (2) 44. (1) 5. (2) blam in g 6. (1 ) lessen s
45. (3) 46. (3) 47. (4) 48. (2) 7. (3) avoid 8. (5 ) respon d
85.(5) 86.(5) 87.(3) 88.(4)
9. (4) prediction 10. (1) organ izin g
89.(2) 90.(2) 91.(5) 92.(4) 49. (5) 50. (4) 51. (1) 52. (2)
11. (3 ) d eep er 12. (4) layeredn ess
93.(1) 94.(3) 95.(3) 96.(1) 53. (3) 54. (4) 55. (1) 56. (2)
13. (5) em otin g 14. (2) m oder ate
97.(1) 98.(4) 99.(5) 100.(3) 57. (5) 58. (2) 59. (3) 60. (3) 15. (3) p er sist 16. (5 ) cr op
101.(5) 102.(4) 103.(2) 104.(3) 61. (1) 62. (2) 63. (4) 64. (3) 17. (3) h or rifi ce 18. (2 ) t rad es
105.(2) 106.(1) 107.(5) 108.(3) 65. (2) 66. (1) 67. (3) 68. (1) 19. (3 ) vi ew 20. (5) in su late
109.(2) 110.(4) 111.(4) 112.(2) 69. (3) 70. (1) 21. (2) pr om ote 22. (4) gobblin g
23. (2 ) m ak e 24. (2) am assed
113.(2) 114.(1) 115.(2) 116.(4)
INSURANCE EXAMS 25. (4) lin k 26. (3)lik e
117.(2) 118.(5) 119.(1) 120.(5)
27. (1) enlightenm en t
121 .(3) 122.(1) 123.(4) 124.(1) 1. (5) 2. (2) 3. (3) 4. (4)
28. (5) ambition
125.(5) 126.(2) 127.(4) 128.(1) 5. (1) 6. (5) 7. (3) 8. (1) 29. (1) scien tific
129.(3) 130.(5) 131.(3) 132.(2) 9. (4) 10. (2) 11. (1) 12. (2) 30. (2) m er ges 31. (4 ) best
133.(1) 134.(5) 135.(1) 136.(2) 13. (4) 14. (3) 15. (4) 16. (4) 32. (3) satisfactory
137.(3) 138.(5) 139.(1) 140.(4) 17. (3) 18. (2) 19. (5) 20. (1) 33. (2) talent 34. (1 ) scar ed
21. (4) 22. (3) 23. (4) 24. (4) 35. (5 ) ri sk 36. (3) dam aged
141.(5) 142.(4) 143.(2) 144.(1)
37. (2 ) ex press 38. (4 ) real
145.(1) 146.(2) 147.(4) 148.(1) 25. (5) 26. (5) 27. (3) 28. (1)
39. (4) preven tion
149.(3) 150.(5) 151.(3) 152.(2) 29. (4) 30. (5) 31. (2) 32. (3)
40. (2) discom fitu re
153.(1) 154.(5) 155.(1) 156.(2) 33. (4) 34. (1) 35. (3) 36. (5) 41. (2) ign ored 42. (1) doesn ’t
157.(4) 158.(4) 159.(3) 160.(3) 37. (2) 38. (1) 39. (3) 40. (2) 43. (2) seri ou s 44. (1)di sbu r se
161.(3) 162.(4) 163.(3) 164.(1) 41. (4) 42. (2) 43. (1) 44. (1) 45. (4) lim ited 46. (5) u n iqu e
165.(3) 166.(1) 167.(2) 168.(3) 45. (4) 46. (4) 47. (1) 48. (4) 47. (5) ch ann els 48. (3)amen able
49. (2) 50. (5) 51. (1) 52. (4) 49. (5) high 50. (2)domain
169.(1) 170.(3) 171.(2) 172.(1)
51. (4) cost effecti ve
173.(2) 174.(4) 175.(1) 176.(2) 53. (1) 54. (3) 55. (5) 56. (3)
52. (3) vu ln erable
177.(3) 178.(1) 179.(2) 180.(4) 57. (3) 58. (1) 59. (2) 60. (3) 53. (2 ) own 54. (3) m idst
181.(1) 182.(4) 183.(5) 184.(1) 61. (1) 62. (1) 63. (2) 64. (3) 55. (4) com petin g
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 CLOZETEST
56. (2) r etain 143. (2 ) wh eth er 144. (2 ) widely 228. (2) pr ovi de 229. (1 ) gap
57. (5 ) sear ch 58. (3 ) r eward 145. (5 ) m eet 146. (3 ) seek s 230. (2 ) sea 231. (4) afflu en t
59. (1) solu tion 60. (2)beyon d 147. (4) pace 148. (1 ) access 232. (5) trem en dou s
61. (4) Focu ssin g 62. (4) m u n dan e 149. (5) em ph asis 233. (3) inequ ality
63. (1) failu re 64. (3)common 150. (3 ) pr ovi de 234. (5) lost 235. (4)believe
65. (2) alleviate 66. (5)tran sform 151. (4 ) ex pect ed 236. (3) deterioration
67. (3) more 68. (4)focu sed 152. (1) d em an d 237. (1) al ter ed 238. (4 ) rever se
69. (1) con fiden t 70. (3)su spicion 153. (2) disobey 239. (5) acceleration
71. (4) comprisin g 154. (4) an cien t 240. (2 ) bear 241. (3)issu es
72. (5) reads 155. (1 ) believed 242. (3) wealth 243. (1)en d an gered
73. (2) coveri n g 156. (4 ) ch an ges 244. (4) n ot 245. (1) tu rn
74. (2) transform ation 157. (4) th rou gh ou t 246. (3) su sten an ce
75. (4) p er fect ed 76. (1)rem ovin g 158. (5 ) search ed 247. (1) b elon g 248. (2 ) earn ed
77. (3) modification s 159. (1 ) accept ed 249. (5 ) between 250. (4) ou t
78. (2) pr eci sely 79. (1)design ed 160. (2 ) widely 251. (4) corr u pt 252. (2 ) su ffers
80. (5) cu rtail 161. (5) specu lation 253. (3 ) lose 254. (2 ) en su re
81. (4) consu mption 162. (3 ) affect ed 163. (3 ) everyon e 255. (1) importan t
82. (5) flexible 83. (3)vogu e 164. (2 ) r ises 165. (4 ) n ecessi ty 256. (5 ) J u st 257. (2) ju dgem en t
84. (2 ) released 85. (3 ) r aised 166. (1 ) pr even ts 167. (3) associated 258. (3) ou tcom es
86. (4) h igh er 87. (1 ) b ased 168. (5) contribu te 259. (3 ) con si der ed
88. (2) claim 89. (5) misleadin g 169. (3 ) regard ed 260. (4) incapable
90. (3) decli n ed 91. (4 ) Wh eth er 170. (2) im pacts 171. (5 ) r aised 261. (4) recom m en ds
92. (1 ) d ifferen ce 93. (5) stu dy 172. (4) work in g 173. (5) relu ctan t 262. (4 ) b rok en 263. (3) in ju stice
94. (3) in trodu ced 174. (4) relation ship 264. (1) i n dex 265. (3) im m u n e
95. (1) im proved 96. (4) sim ilar 175. (5) is 176. (3) Risin g 266. (3 ) report ed 267. (1 ) arrest
97. (5) ju st 98. (2) k n own 177. (1) m ean s 178. (2)pr ecu r sor 268. (5) h an d 269. (2 ) sh ort
99. (3 ) for 100. (4 ) effort 179. (4 ) ch an ges 180. (4) term in ate 270. (2 ) l eads
101. (5) em p owerin g 181. (4 ) pace 182. (5 ) debat ed 271. (5) procu rem en t
102. (1) com in g 103. (2 ) cu rb 183. (1) for ecast 184. (5 ) l ed 272. (4 ) i n cr eased
104. (3) m idst 105. (2 ) cost 185. (3 ) swept 186. (2 ) i n str u m en - 273. (3 ) overcom e
106. (5 ) pock et ed 107. (4)h ave tal 274. (2) local 275. (4) sigh t
108. (1 ) decreed 109. (4)pr odu cers 187. (4) fam ily 188. (1 ) con cern 276. (1) en t ered 277. (3)Since
110. (5 ) en act ed 111. (3 ) p ay 189. (4) faith 190. (1) am on g 278. (4) u niqu e 279. (5)popu lar
112. (2 ) r eason 113. (1 ) for ce 191. (2) gen tle 192. (3) h e 280. (3) rely 281. (4)exp ressin g
114. (5) abu se 115. (2) failu re 193. (5) did 194. (4) importan t 282. (2) learnt 283. (1)ex per ien ce
116. (4 ) b reach 195. (2) tru stin g 196. (3) prim arily 284. (3) films 285. (2)hardly
117. (1) appropriate 197. (1) u n explained 286. (5 ) d ifferen ce
118. (3 ) r an ge 119. (5 ) for 198. (5 ) t h em selves 287. (2) per petu ity
120. (3) indisciplin e 199. (3 ) set 200. (4 ) su pposed 288. (4 ) in vest ed
121. (2 ) t h ese 122. (2) u n d er 201. (2 ) sh owed 202. (5 ) swit ch 289. (2) m eet 290. (1)depl et e
123. (5 ) correcti ve124. (1)becam e 203. (2) equ ipmen ts 291. (3 ) con n ect 292. (1) existin g
125. (2) open in g 126. (3)k now 204. (4) relation ship 293. (4 ) con vert ed
127. (5) appropriate 205. (5) is 206. (3) Risin g 294. (2) prom ise 295. (5) Alth ou gh
128. (1) held 129. (4) att en d 207. (1) m ean s 208. (2 ) p recu rsor 296. (3) associated
130. (4) explain ed 209. (4 ) ch an ges 210. (3 ) cease 297. (1) integral 298. (3)ever y
131. (3) sen se 132. (2 ) wh ere 211. (4 ) pace 212. (5 ) debat ed 299. (1) world 300. (2)insatiable
133. (3) ach ieve 134. (3 ) fr om 213. (1 ) forecast 214. (3) th rou gh 301. (5) ch aracterize
135. (1 ) fast er 215. (5) distribu tion 302. (4) en com passin g
136. (4 ) con si der ed 216. (2) ideally 217. (1 ) wh ereas 303. (1) Owin g
137. (5 ) ex pen se 218. (2 ) secon d 219. (4 ) reach es 304. (2) su bstan tially
138. (1) abu n dan ce 220. (1) look 221. (3) in flu en ce 305. (4) sou rce
139. (2) em ph asizes 222. (4 ) believed 223. (5 ) p u t 306. (2) par am et ers
140. (4) In adequ ate 224. (1) sh am bles225. (4 ) stress 307. (1) in vestm en t
141. (3 ) ri se 142. (5 ) report ed 226. (2 ) across 227. (3) con sist ed 308. (5) en d owm en t

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 CLOZETEST
309. (5) gap 310. (4)th em selves 398. (4) com bat 399. (5) Fu rt h er 10. (3) prolon ged 11. (4) by
311. (3) pr oves 312. (4)pu r ses 400. (1 ) con cern 401. (3 ) widely 12. (1) adversi ty 13. (3) off
313. (1) ph ilan th ropy 402. (5 ) scope 403. (3 ) con fi den ce 14. (5) betray 15. (2) Prosper ity
314. (2) cau ses 315. (1)enou gh 404. (4) All 405. (2 ) wh eth er 16. (3) blessin g 17. (4) mars
316. (3) long 317. (2)with 406. (1 ) cr eat ed 407. (2 ) affect ed 18. (1) for egoes 19. (5) sh ared
318. (4) in to 319. (1) arou n d 408. (4) com bat 409. (5) Fu rt h er 20. (2) sh ou lder
320. (2) tran slatin g 410. (1 ) con cern 411. (3 ) widely 21. (5) tran sp aren cy
321. (3) pr acti ce 412. (5 ) scope 413. (3 ) con fi den ce 22. (2) bu sy 23. (5) establish
322. (3) ch an ce 24. (1) expect 25. (3) p rep ar e
414. (5) k nit 415. (5)in
323. (4) pr ovid ed 26. (5) thou gh 27. (3) delayed
146. (1) pu t 417. (1)and
324. (1) oth er 28. (2) criticisin g 29. (4) obligation
418. (1) How 419. (2)than
325. (5) off 30. (1) misu se 31. (3) from
420. (5) On ce 421. (4)did
326. (5) hard 32. (4) allu ded 33. (1) u n der
422. (1) began 423. (4)fron t
327. (2) equ ilibriu m 34. (5) highly 35. (2) relievin g
424. (1) longer 425. (1)becom e
328. (2) pu rsu it 329. (2)qu ality 36. (5) applied 37. (2) alleviate
426. (1) dip 427. (3)begu n
330. (5) rank ed 331. (1)n egligible 38. (4) as 39. (1) in gredien t
428. (3) im posed 429. (5)boost
332. (4) dissatisfaction 40. (3) th eir 41. (5) greater
430. (4) allows 431. (2)in stan ce
333. (5) wh et h er 334. (4)point 42. (2) u n healthy 43. (3) gen erates
335. (4) attention 336. (1)r ecover 432. (5) en ab les 433. (4)fr ee
44. (4) deterioration
337. (1) i n fer red 338. (1 ) m eet 434. (2) part 435. (5)cau se
45. (1) maintain ed
339. (2) tran sgen ic 4 3 6 .(2) called 437. (1)du e
46. (5) distin ct 47. (3) vital
340. (5) cu ltivation 438. (2) k n own 439. (3) m eltin g
48. (1) st ren gth 49. (4) real ised
341. (2) dep en den t 4 4 0 .(4) perpetu al 441. (1) dwin dlin g
50. (2) imitating 51. (3) ben ignly
342. (1 ) con cer n s 442. (5) absen ce 443. (4)brin g
52. (2) Sk illfu lly
343. (3 ) safegu ar ds 444. (3 ) fr om 445. (1 ) fast er
53. (3) appreciated54. (4) form u late
344. (4) ou trigh t 446. (4 ) con si der ed
55. (1) pon d er ed 56. (1) in terestin g
345. (5) detrim en tal 447. (5 ) ex pen se 448. (1) abu n dan ce
57. (4) p er vasive 58. (5) qu estioning
346. (3) h olistic 347. (5) sim u late 449. (2) em ph asizes
59. (5) posterity 60. (4) regard
348. (1) wh en ever349. (4)Wh y 4 50 .(4) In adequ ate
61. (5) viewin g
350. (5) rop es 351. (2)waging 4 5 1 .(3) rise 452. (5 ) report ed
62. (2) em ph asizing
352. (1) h arpin g 353. (3)difficu lt 453. (2 ) wh eth er
63. (4) p r oceed
354. (5) siphon ed 355. (3)u nderlyin g 454. (1) d i ver se 4 55 . (2) rem ain
64. (2) deliberately
356. (2) collu sion 357. (3 ) assert 456. (3) beh ave 4 57 . (5) drivin g
65. (4) stan d 66. (5) produ ction
358. (2) in gr edien ts 458. (1) within 4 59 . (1) individu al
67. (1) m ass 68. (5) abysmally
359. (5) possible 360. (4)an swered 460. (3) b etween 4 61 . (1) m aster
69. (4) accordingly70. (1) stable
361. (2) findin g 362. (4)car ry 462. (2) strik in g
71. (1) Despite 72. (4) pr ot ect
363. (5) perception 463. (3) in n eed of
464. (1) resistan t 73. (2) wh y 74. (5) actu ally
364. (3) rote 365. (1) stimu late
465. (4) dau nting 75. (5) relu ctan ce 76. (5) assu m es
366. (3) reason s 367. (2 ) leaf
466. (2) em er ged 77. (4) con fu sion 78. (2) con strain ts
368. (1 ) lead 369. (4) h in der
467. (5) in herit 79. (1) r ecei ve 80. (3) Faced
370. (1 ) evolved 371. (2) su bjective
468. (2) few 81. (1) of 82. (4) feed in g
372. (4) tou ch 373. (5) tu rn
469. (3) weak en ed 83. (4) indu lging 84. (2) familiar
374. (1) m ain tain 37 5. (3 ) wor ry
470. (5) also 85. (5) tells 86. (5) adm iration
376. (2) h appen 377. (3) accom plish
471. (2) th reats 87. (3) baitin g 88. (4) viciou s
378. (2) requ ire 379. (2)for
472. (1) in stability 89. (2) anger 90. (2) gu y
380. (1) that 381. (3)place
473. (4) igniting 91. (5) poison ou s 92. (4) avoid
382. (3) feat u r e 383. (4)aft er
93. (1) habit 94. (3) warn in g
384. (4) gen erate 385. (2)effor t s
386. (4) u n lik ely 387. (3)high er
SBI PO EXAMS 95. (3) fl ash es 96. (1) bands
97. (1) so 98. (4) predatory
388. (5) margin al 389. (4)exp ected 1. (3) m ark ed 2. (4) com plexity
99. (5) avoid 100. (3) con text
390. (5) As 391. (5) again st 3. (1) u nprofitable4. (5) expl ore
101. (5) advan tage
392. (1) th rou gh 393. (2)making 5. (2) prim arily 6. (3) allu ded
102. (4) wear 103. (2) fak e
394. (4) All 395. (2 ) wh eth er 7. (1) illu minating 8. (2) associatin g
104. (3) p ossess 105. (2) deliciou s
396. (1 ) cr eat ed 397. (2 ) affect ed 9. (5) acqu aintan ce
106. (1 ) scar ed 107. (5 ) ri sk
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 CLOZETEST
108. (3) dam aged 109. (2 ) ex press 10. (1) dem arcation 30. (5) h arm fu l
110. (4 ) real 111. (4) preven tion 11. (1) resist an t 12. (4) dau nting 31. (2) throu gh ou t
112. (2) discom fitu re 13. (2) em er ged 14. (3) policy 32. (3) con tribu ted
113. (2) ign ored 114. (1) doesn ’t 15. (5) in herit 16. (2) fram in g 33. (4 ) past 34. (1 ) exceeds
115. (2) seri ou s 116. (4) work in g 17. (2) few 18. (3) weak en ed 35. (3 ) posed 36. (5) cu tt in g
117. (2 ) affect ed 118. (5) lat er 19. (1) credibility 20. (5) also 37. (2 ) faci n g 38. (1 ) th ere
119. (1) in adequ ate 21. (5) m ean in gless 39. (3 ) qu i et 40. (2 ) an d
120. (5) indication s 22. (1 ) h u es 23. (4) b eau ty 41. (4 ) at 52. (2 ) of
121. (3 ) p rices 24. (1) sk ills 25. (5) in tricate 43. (1) atten din g
122. (1) tr igger 26. (3) talen t 27. (2) contribu tes 44. (1 ) Th at 45. (4 ) gon e
123. (4) in creasin g 28. (2 ) n eed 29. (5) su rvival 46. (4 ) h eard 47. (1 ) eager
124. (1) aggravate 30. (3 ) stak e 31. (2) dates 48. (4) facin g 49. (2 ) d u e
125. (5 ) down 32. (5) in ven ted 33. (3) exch an ge 50. (5 ) ex pect ed 51. (1) Com pared
126. (2) con du cive 34. (4 ) k ey 35. (1) originated 52. (4) b eh in d 53. (1) esp ecially
127. (4) qu estion 36. (2) com eb ack 54. (3 ) m easu r es 55. (5 ) access
128. (1) can n ot 37. (4) soph isticated 56. (3 ) believed 57. (3 ) p oised
129. (3 ) n eed 130. (5 ) growth 38. (5 ) ren ewed 39. (1 ) expen d 58. (1 ) Despi te 59. (2 ) Mere
131. (3 ) favou r 132. (2) en j oys 40. (3) allow 41. (5) u n charted 60. (3) Beh in d 61. (1) Eth er eal
133. (1) aid 134. (5 ) i n cr eased 42. (1) downtu rn 43. (2) pu mping 62. (1 ) Get d u pl icat ed
135. (1) both 136. (2) dest royed 44. (1) mired 45. (3) debt 63. (2) satisfaction
137. (3) vital 138. (5) impairs 46. (3) trou ble 47. (4) in flation 64. (3) advan tage
139. (1) plagu es 140. (4) pr ovi de 48. (2) overstat ed 65. (4) wh ole
141. (5) erodin g 142. (4) access 49. (5) con fiden ce 66. (3) m ak in g
143. (2) sou rce 144. (1) Desp it e 50. (4) access 67. (1 ) oft en
145. (1) exploit 51. (1) destru ction 68. (2) obstru ction s
52. (2) coastal 69. (3) talen t
146. (2) con du cive
53. (3) erosion 70. (3) ch an ged
1 47 .(4) qu estion
54. (4) n u rsery 71. (1 ) m ode
1 48 .(1) cann ot 149. (3)n eed
55. (1) reclam ation 72. (2) rem u n eration
1 5 0 .(5) growth 151. (3 ) favou r
56. (2) impair 73. (3 ) r aised 74. (1 ) b ased
1 5 2 .(2) en joys 153. (1) aid
57. (5) penetration 58. (2) affect s 75. (2) claim 76. (3) decli n ed
1 5 4 .(5) in creased 1 5 5 .(1) both
59. (3) r edu ces 60. (3) marine 77. (1 ) di fferen cen ess
156. (2) Resi des 1 57 . (4) As
78. (3) common 79. (2) alleviate
158. (4) Oth er 1 59 . (3) Importan t
160. (3) Accou nted
INSURANCE EXAMS 80. (5) tran sform 81. (3) more
82. (4) focu sed 83. (1) con fiden t
161. (3) Challen ges 1. (5 ) gr eat er
84. (3) su spicion 85. (4)
162. (4) In n ovative 2. (2) u n h ealth y comprisin g
163. (3) Atten tion 3. (3 ) gen erat es 86. (5) reads
164. (1) Appreciable 4. (4) deter ioration 87. (2) coveri n g
165. (3) Vibran t 1 66 . (1) largest 5. (1) m ain tained 6. (5) distin ct 51. (1) destru ction
167. (2) fou nd 1 68 . (3) played 7. (3) vital 8. (1 ) st ren gth 52. (2) coastal
169. (1) existin g 1 70 . (3) tak en 9. (4 ) realised 10. (2) im itatin g 53. (3) erosion
171. (2) repli cated 11. (1) dism al 54. (4) n u rsery
172. (1) deem ed 1 73 . (2) has 12. (2) of 13. (4 ) m ore 55. (1) reclam ation
174. (4) to 14. (3 ) m ost 15. (4) h ostel 56. (2) impair
175. (1) reali se 16. (4 ) li ve 17. (3 ) h owever 57. (5) penetration
18. (2) focu ssin g 19. (5) in dicated 58. (2) affect s
RBI GRADE–B 20. (1) su pp ort 21. (4) learn in g 59. (3) r edu ces
OFFICER EXAMS 22. (3) plan n in g 23. (4 ) evolvi n g 60. (3) marine
24. (4 ) lays 25. (5) attrib u ted 107. (1) Pl au si bl e (Adj ect i v e) = rea-
1. (3) projectin g 2. (5) indicated
26. (5) form at ive son ab le an d lik ely to be tru e.
3. (3) prerequ isite 4. (4) learn in g
27. (3) proli feration H er st or y so u n d ed p er fect l y
5. (2) insights 6. (1) elongated
28. (1) disappears plau sible.
7. (4) lays 8. (5) attribu ted
29. (4 ) wok en ppp
9. (2) in teractive
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JUMBLED SENTENCES
(REARRANGE)
NATIONALISED BANKS
& IBPS PO/MT/SO
Di r ect i on s (1 –5 ) : Rearran ge th e
followin g six sen ten ces A, B, C, D, E,
an d F in th e proper sequ en ce so as to
form a mean in gfu l paragraph, then an -
swer th e qu estion s given below th em .
(A) It was fu rth er revived by a Bos-
ton pu blishing firm, and from that
t i m e M oth er Goose con t i n u ed
an d grew in fam e an d in terest till
date.
(B) Th e first collection of verses u n -
der h er n am e was pu blish ed in
Lon don in b ook form by J oh n
Newb er y.
(C) Th ese wer e k n own lon g before
th ey were design ated as Moth er
Goose rh ym es.
(D) Som e rh ym es can be traced to
popu lar ballads, folk son gs an d
gam es, pol itical satir e, an cien t
proverbs, cries of street ven dors,
real or legen dary even ts.
(E) Abou t twen ty five years later th e
book was reprin ted in the Un ited
States in Worecester, Massach u -
set ts.
(F) In fact, u n til th e eigh teen th cen -
tu ry Moth er Goose did n ot h ave
a n am e in prin t in En glish litera-
tu re.
(Sy n di cat e Ban k PO
Ex am .1 0 .1 0 .2 0 04 )
1. Wh ich of the followin g will be th e
LAST sen ten ce ?
(1) A (2) B
(3) C (4) D
(5) E
2. Wh ich of the followin g will be th e
FOURTH sen ten ce ?
(1) F (2) E
(3) D (4) C
(5) B
3. Wh ich of the followin g will be th e
FIFTH sen ten ce ?
(1) F (2) E
(3) D (4) C
(5) B
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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JUMBLED SENTENCES (REARRANGE)
4. Wh ich of the followin g will be th e
FIRST sen ten ce ?
(1) A (2) B
(3) C (4) D
(5) E
5. Wh ich of the followin g will be th e
SECOND sen ten ce ?
(1) A (2) B
(3) C (4) D
(5) E
Di r ect i on s (6 –10 ) : Rearran ge th e
follwoin g five senten ces (A), (B), (C), (D)
an d (E) in th e proper sequ en ce so as
to form a m ean in gfu l paragraph ; th en
an sw er t h e qu est i on s gi ven b el ow
them .
(A) Th e b asi c j u st ifi cat ion of t h i s
scru tin y is to divest u n restricted
investments from certain low pri-
ority area.
(B) Th e Govt. h as decided in prin -
ciple to th row open to th e pri-
vate sector wh ich is reserved for
th e u n restricted sector.
(C) On l y th ose in du stri es are p ro-
posed to be reserved for th e u n -
restricted sector, which fall in th e
h igh priority areas.
(D) In addit ion , th e gover n m en t is
also occu pied in an an alysis of
the existing ran ge of u n restricted
in vestm en t.
(E) Th is will en able th e govern m en t
to abolish th e m on opoly of an y
sector in th e field of pu blic ser -
vices except th ese priority sec-
tor s.
(Un i on Ban k of I n di a PO
Ex am . 27. 11.20 05)
6. Wh i ch sen t en ce sh ou l d com e
LAST in th e paragraph ?
(1) A (2) B
(3) C (4) D
(5) E
7. Wh i ch sen t en ce sh ou l d com e
T H I RD in th e paragraph ?
(1) A (2) B
(3) C (4) D
(5) E
8. Wh i ch sen t en ce sh ou l d com e
FOURT H in th e paragraph ?
(1) A (2) B
(3) C (4) D
(5) E
9. Wh i ch sen t en ce sh ou l d com e
FI RST in th e paragraph ?
(1) A (2) B
(3) C (4) D
(F) E
10. Wh ich sentence shou ld come SEC-
OND in th e paragraph ?
(1) A (2) B
(3) C (4) D
(5) E
Di r ect i on s (1 1 –1 5 ) : Rear ran ge
th e fol lowi n g si x sen ten ces (A), (B ),
(C), (D), (E) an d (F) in th e proper se-
qu en ce to for m a m ean i n gfu l para-
gr ap h ; t h en an sw er t h e qu est i on s
given below th em .
(A) To propose th e idea of becom in g
perfected is n ot th e sam e as say-
ing th at we h u man beings can be
p er fect .
(B) It on ly m ean s t h at we ar e ca-
pable of learn in g, ch an gin g an d
growin g th rou gh ou t th e span of
ou r earth ly life.
(C) Learn in g is a process that begins
at birth and lasts till death .
(D) Th i s developm en t th rou gh u n -
der -stan din g n ew th in gs, tran s-
forming an d developin g throu ght
m ay be con sidered as th e per -
fection of sou l.
(E) Given th at we are h ere to con ti-
n u ally lear n on th e jou rn ey of
life, it seem s t h at th e u l tim ate
goal of learn in g is th e perfection
of ou r sou ls
(F) Nor th at we sh ou ld be perfect in
everyth in g.
(Cor porat i on Ban k PO Exam .
09 .0 7. 20 06 )
11. Wh ich of the following shou ld be
t h e SECOND st at em en t aft er
rearran -gem ent ?
(1) A (2) B
(3) C (4) D
(5) E
-127-
 JUMBLED SENTENCES (REARRANGE)
12. Wh ich of the following shou ld be 17. Wh ich of the followin g will be th e 22. Wh ich of the followin g will be th e
th e FI RST statem en t after rear - FI RST sen ten ce after rearran ge- SECOND sen t en ce aft er r ear -
ran gement? men t? ran gement?
(1) A (2) B (1) A (2) B (1) A (2) B
(3) C (4) D (3) C (4) D (3) C (4) D
(5) E (5) E
(5) E
13. Wh ich of the following shou ld be 23. Wh ich of th e foll owin g wil l be
th e FI FT H statem en t after rear - 18.Wh ich of th e followin g will be th e
SECOND sen t en ce aft er r ear - T H IRD sen tence after rearran ge-
ran gement?
ran gement? men t?
(1) A (2) B
(1) B (2) C (1) B (2) C
(3) C (4) D
(3) D (4) E (3) D (4) E
(5) E
14. Wh ich of the following shou ld be (5) F (5) F
SI X T H (last) statem en t after re- 19. Wh ich of th e followin g will be th e 24. Wh ich of the followin g will be th e
arran gem ent ? SI X T H (LAST ) sen ten ce after re- FI FT H sen tence after rearran ge-
(1) A (2) B arran gement? men t?
(3) C (4) D (1) B (2) C (1) A (2) B
(5) E (3) D (4) E (3) C (4) D
15. Wh ich of the following shou ld be (5) F
(5) F
the T H IRD statem en t after rear - 25. Wh ich of the followin g will be th e
ran gement ? 20. Wh ich of th e followin g will be th e
FI FT H sen ten ce after rearran ge- SI X T H (LAST ) sen ten ce after re-
(1) A (2) B arran gement?
men t?
(3) C (4) D
(1) A (2) B (1) B (2) C
(5) E
(3) C (4) D (3) D (4) E
Di r ect i on s (1 6 –2 0 ) : Rearran ge
the followin g six senten ces (A), (B), (C), (5) E (5) F
(D), (E) an d (F) in th e proper sequ en ce Di r ect i on s (2 1 -2 5 ) : Rearran ge Di r ect i on s (2 6 –3 0 ) : Rearran ge
to form a m ean in gfu l paragraph ; th en th e following sen tences (A), (B), (C), (D), the followin g six senten ces (A), (B), (C),
an sw er t h e qu est i on s gi ven b el ow (E) an d (F) in th e proper sequ en ce to (D), (E), an d (F) in the proper sequ en ce
them . to form a m ean in gfu l paragraph ; th en
form a m ean i n gfu l p ar agraph ; th en
(A) In th is early period a good m em - an sw er t h e qu est i on s gi ven b el ow
an sw er t h e qu est i on s gi ven b el ow
ory was a prerequ isite for su c- them .
them .
cess and poets lik e Hom er mem o- (A) Irrespective of h ierarch ical level,
r ised t h ei r wor k b efore it was (A) In fact h e believed th at cu stom -
h e wou ld give u n divided atten -
ever written down . ers are th e origin , th e sou rce of
tion to th ose wh o voiced ideas.
(B) If we h ave to rem em ber every- th e m on ey we h ave.
(B) He wou ld then ask h im risk some
th in g will it n ot in crease th e feel- (B) Th e cu stom er thu s has th e power
in g of stress? probing qu estions and tu rn to h is
to fire everybody in th e com pan y
(C) Today m em ory is widely regard- sen ior m ost m an ager to get th ese
from th e ch airm an on down .
ed as a u sefu l aid to su rvival. impletn ented.
(C) M an agem en t can en su r e t h i s
(D) However it is n ot wh at we grasp (C) Wh at set h im apart from oth er
doesn’t happen by motivating em-
bu t wh at we fail to- forgettin g a in du strialists was that he was n ot
ployees to cu ltivate m ean in gfu l
file , k ey poin ts at an in terview - in terested in dem on stratin g h is
relation sh ips with cu stom ers.
wh ich cau ses stress. power over h is em ployees.
(D) Sam Walton bu i lt h i s Walm art
(E) Som e people h owever are of th e (D) Th is is a prim e exam ple of h ow
view th at h avin g an exception al bu sin ess em pire k n owin g th ere
h e fostered th e participation of
m em ory in a world of h igh pres- was only on e boss – the cu stomer.
everyon e of in th e organ isation .
su re work in g is a disadvan tage. (E) So it is n ot th e com pan y wh ich
(E) For exam ple h e wou ld typically
(F) To ou r an cestors th ou gh , in th e pays u s bu t th e cu stom er.
look in tently at a you ng en gin eer
absen ce of th e prin tin g press it (F) He can ach i eve th is by sim p ly presen tin g h is ideas.
was m u ch m ore - it was th e slate spen din g h is m on ey elsewh ere.
on wh ich h istory was recorded. (F) In stead h e th ou gh t of h im self as
(In di an Overseas Bank PO
(Ban k Of M ah ar ash t r a PO on e of th em .
Ex am . 15 .06.20 08)
Ex am . 2 5 .0 5 . 2 00 8 ) (An dh r a Ban k PO Ex am . 14.09.2008)
21. Wh ich of the followin g will be th e
16. Wh i ch of the followin g will be th e 26. Wh ich of th e followin g sh ou ld be
T H IRD sen tence after rearran ge- FI RST sen ten ce after rearran ge-
th e FOURT H sen ten ce after re-
m en t ? men t?
arran gem en t ?
(1) A (2) B (1) B (2) C
(1) B (2) C
(3) C (4) D (3) D (4) E
(3) D (4) E
(5) E (5) F
(5) F
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-128-
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 JUMBLED SENTENCES (REARRANGE)
27. Wh ich of th e followin g sh ou ld be 32. Wh ich of th e followin g wou ld be 38. Wh ich of th e followin g sh ou ld be
th e SI X T H (LAST ) sen ten ce af- th e SECOND statem en t after re- th e SECOND sen ten ce after re-
ter rearran gem en t ? arran gem en t ? arran gem en t ?
(1) B (2) C (1) A (2) B (1) (A) (2) (B)
(3) D (4) E (3) C (4) D (3) (C) (4) (D)
(5) F (5) E (5) (E)
28. Wh ich of th e followin g sh ou ld be 33. Wh ich of th e followin g wou ld be 39. Wh ich of th e followin g sh ou ld be
th e FI FT H sen t en ce after r ear - th e FOURT H statem en t after re- th e FI RST sen ten ce after rear -
arran gem en t ? ran gement ?
ran gement?
(1) A (2) B (1) (A) (2) (B)
(1) A (2) B
(3) C (4) D (3) (C) (4) (D)
(3) C (4) D
(5) E (5) (E)
(5) E
34. Wh ich of th e followin g wou ld be
29. Wh ich of th e followin g sh ou ld be 40. Wh ich of th e followin g sh ou ld be
th e FI FT H statem en t after rear -
th e SECOND sen ten ce after re- th e FOURT H sen ten ce after re-
ran gement?
arran gement? arran gem en t ?
(1) A (2) B
(1) B (2) C (1) (A) (2) (B)
(3) C (4) D
(3) D (4) E (3) (C) (4) (D)
(5) E
(5) F (5) (E)
35. Wh ich of th e followin g wou ld be
30. Wh ich of th e followin g sh ou ld be th e SI X T H (LAST ) statem en t af- Di r ect i on s (4 1 –4 5 ) : Rearran ge
th e FI RST sen ten ce after rear - ter rearran gem en t ? the followin g six senten ces (A), (B), (C),
ran gem en t ? (1) A (2) B (D), (E), an d (F) in the proper sequ en ce
to form a m ean in gfu l paragraph ; th en
(1) A (2) B (3) C (4) D
answer the qu estions given below th em.
(3) C (4) D (5) E
(A) Expan sion of retail ban k in g es-
(5) E Di r ec t i on s (3 6 –4 0 ) : Rearran ge
pecially h as a lot of scope, sin ce
Di r ect i on s (3 1 –3 5 ) : Rear ran ge th e following sen tences (A), (B), (C), (D),
retail assets are ju st 22 percen t
(E) an d (F) in th e proper sequ en ce to
the followin g six senten ces (A), (B), (C), of th e total ban k in g assets.
form a m ean i n gfu l p ar agraph ; th en
(D), (E) an d (F) in th e proper sequ en ce (B) Wh ere th ey do n ot fin d it viable
answer the qu estions given below th em.
to form a m ean in gfu l paragraph ; th en to open bran ch es th ey m ay open
(A) As a resu lt th e n on -stop tension s
an sw er t h e qu est i on s gi ven b el ow satellite offices in th ese areas.
an d an xieties at work often re-
them . (C) Th ere is trem en dou s scope for
su lt in h ealth related problem s.
(A) Assu m in g th at all th ese reason s (B) Th e tru th is we can n ot ch an ge th e expan sion of ban k in g in In -
are tr u e, th e fact rem ain s th at th e world of work . dia.
th ere is an u rgen t n eed to ch eck (C) We spen d at least h alf ou r wak - (D) Ban k s can also diversify beyon d
th e accelerated costs an d in itiate in g h ou rs at work . citi es to sem i u rban an d r u ral
su itable m easu res. areas.
(D) We h ave th erefore to tak e ch arge
(B) Som e people attribu te it to th e an d tran sform th e way in wh ich (E) In th ese ways a tran sition from
in creasin g greedin ess amon g th e we respon d to ou r work en viron - class ban k in g to m ass ban k in g
m edicos. m en t. can tak e place.
(C) Th e im pact of these measu res will (E) So h ow can we con t r ol t h ese (F) Th ey can also collaborate with
be visible on ly after a con sider - problem s an d perform at work ? l ocal st ak eh ol der s i n or d er t o
able passage of tim e. (F) However we can ch an ge th e way ext en d m i cr ocr ed i t ser vi ces t o
(D) Health care costs h ave been sk y- we feel an d deal with variou s sit- th ose livin g th ere.
rock etin g in ou r cou n try. u ations. (PNB Agr i cul t ur e Of f i cer
(E) Th e m easu res inclu de yoga class- (Or i en t al Ban k Of Com m er ce PO Ex am . 0 4 .0 1 . 2 00 9 )
Ex am . 2 1 .1 2 . 2 00 8 ) 41. Wh ich of th e followin g sh ou ld be
es with emphasis on physical and
mental exercises an d also ch an ge 36. Wh ich of th e followin g sh ou ld be th e T H I RD sen ten ce after rear -
in food h abits. th e LAST (SI X T H ) sen ten ce af- ran gem en t ?
ter rearran gem en t ?
(F) Certain oth ers feel th at it is be- (1) B (2) C
(1) (B) (2) (C)
cau se of drastic ch an ges in peo- (3) D (4) E
(3) (D) (4) (E)
ples' lifestyle an d eatin g h abits. (5) F
(5) (F)
31. Wh ich of th e followin g wou ld be 42. Wh ich of th e followin g sh ou ld be
th e FI RST statem en t after rear - 37. Wh ich of th e followin g sh ou ld be
th e FI RST sen ten ce after rear -
th e FI FT H sen ten ce after rear -
ran gement? ran gem en t ?
ran gement ?
(1) A (2) B (1) A (2) B
(1) (B) (2) (C)
(3) C (4) D (3) C (4) D
(3) (D) (4) (E)
(5) E (5) (F) (5) E

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 JUMBLED SENTENCES (REARRANGE)
43. Wh ich of th e followin g sh ou ld be 49. Wh ich of the following is the SEC- 54. Wh ich of th e followin g sh ou ld be
th e FI FT H sen ten ce after rear - OND sen ten ce ? th e FI RST statem en t after rear -
ran gem en t ? (1) (A) (2) (E) ran gement ?
(1) B (2) C (3) (F) (4) (B) (1) (A) (2) (B)
(3) D (4) E (5) (C) (3) (C) (4) (D)
(5) F 50. Wh i ch of t h e fol l owi n g i s t h e (5) (E)
44. Wh ich of th e followin g sh ou ld be T H I RD sen ten ce ? 55. Wh ich of th e followin g sh ou ld be
th e SI X T H (LAST ) sen ten ce af- (1) (A) (2) (B) th e SECOND statem en t after re-
ter rearran gem en t ? arran gem en t ?
(3) (F) (4) (C)
(1) A (2) B (1) (F) (2) (E)
(5) (D)
(3) C (4) D (3) (D) (4) (C)
Di r ect i on s (5 1 –5 5 ) : Rearran ge
(5) E the followin g six senten ces (A), (B), (C), (5) (B)
45. Wh ich of th e followin g sh ou ld be (D), (E) an d (F) in th e proper sequ en ce Di r ect i on s (5 6 –6 0 ) : Rearran ge
th e SECOND sen ten ce after re- to form a m ean in gfu l paragraph ; th en the following five senten ces (A), (B), (C),
arran gem en t ? an sw er t h e qu est i on s gi ven b el ow (D) an d (E) in th e proper sequ en ce to
(1) A (2) B them . form a m ean i n gfu l p ar agraph ; th en
(3) C (4) D (A) Wh at appears to be em ergin g is an sw er t h e qu est i on s gi ven b el ow
(5) E a n ew k in d of warfare. them .
Di r ect i on s (4 6 –5 0 ) : Rearran ge (B) Th is does n ot m ean th e advoca- (A) For in stan ce, if we m easu re th e
th e following sen tences (A), (B), (C), (D), cy of isolation or goin g back to room tem peratu re con tin u ou sly
(E) an d (F) in th e proper sequ en ce to con cept of a n u t-an d-bolt form of an d plot its graph with tim e on
form a m ean i n gfu l p ar agraph ; th en self-relian ce. X-axis and temperatu re on the Y-
an sw er t h e qu est i on s gi ven b el ow (C) Issu es of n ation al secu rity are n o axis, we get a con tin u ou s wave-
them . lon ger sim ple con sideration s of form , wh ich is an an alog sign al.
(A) In all varieties of h om ou r, espe- d efen ce b u t ar e cl osel y in t er - Analog is Always con tin u ou s.
cially th e su btle on es it is th ere- twin ed with m an y oth er aspects. (B) Th e ab sen ce o r p r esen c e of
fore wh at th e reader think s which (D) We n eed to address n ewer an d som eth in g can be u sed to plot a
gi ves ex t r a m ean i n g t o t h ese m ore soph isticated con cepts of digital signal.
ver ses. protectin g ou r strategic interests. (C) An analog signal is a continu ou s-
(B) Bu t su ch a verse m ay also be
(E) Trad e, com m er ce, i n vest m en t , ly varying signal, sim ilar to a si-
en joyed at th e su rface level.
creation of k n owledge base an d n u soidal, waveform .
(C) Non sen se verse is n ot of th e m ost its application are depen den t on (D) An y signal can be classified in to
soph isticated form s of literatu re. n ational secu rity. on e of th e two types : analog and
(D) Th is fu lfils th e au th or’s m ain in -
(F) If a cou n tr y does n ot l earn t o digital.
ten tion in su ch a verse wh ich is
m aster th ese n ew realities of life, (E) In con trast, a digital sign al tak es
to give pleasu re.
all ou r aspiration s to en su re th e t h e for m of p u l ses, wh er e we
(E) However th e reader wh o u n der -
p r osp er i t y of ou r p eop l e m ay h ave som eth ing or noth ing.
stan ds th e broad im plication s of
com e to n au gh t. (Indi an Overseas Bank PO
th e con ten t an d all u sion fi n ds
(UCO Ban k PO Ex am . 22.03.2009) Ex am . 05.04.2009)
greater pleasu re.
(F) Th e reason bein g it requ ires th e 51. Wh ich of th e followin g sh ou ld be 56. Wh ich of the following shou ld be
reader to su pply a m ean in g be- th e T H I RD statem en t after rear - th e FI RST sen ten ce after rear -
yon d th e su rface m ean in g. ran gem en t ? ran gem en t ?
(Can ar a Ban k PO Ex am .15.03.2009) (1) (A) (2) (B) (1) A (2) B
46. Wh i ch of t h e fol l owi n g i s t h e (3) (C) (4) (D) (3) C (4) D
FI FT H sen ten ce ? (5) (E) (5) E
(1) (D) (2) (E) 52. Wh ich of th e followin g sh ou ld be 57. Wh ich of the following shou ld be
(3) (B) (4) (C) th e SI X T H (LAST ) statem en t af- th e T H I RD sen ten ce after rear -
(5) (A) ter rearran gem en t ? ran gem en t ?
47. Wh i ch of t h e fol l owi n g i s t h e (1) (A) (2) (B)
SI X T H (LAST ) sen ten ce ? (1) A (2) B
(3) (C) (4) (D) (3) C (4) D
(1) (F) (2) (E)
(3) (D) (4) (A) (5) (E) (5) E
(5) (C) 53. Wh ich of th e followin g sh ou ld be 58. Wh ich of the following shou ld be
48. Wh i ch of t h e fol l owi n g i s t h e th e FOURT H statem en t after re- th e SECOND sen ten ce after re-
FI RST sen ten ce ? arran gem en t ? arran gem ent ?
(1) (E) (2) (A) (1) (F) (2) (D) (1) A (2) B
(3) (F) (4) (D) (3) (E) (4) (A) (3) C (4) D
(5) (C) (5) (B) (5) E
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 JUMBLED SENTENCES (REARRANGE)
59. Wh ich of the following shou ld be 65. Wh ich of th e followin g sen ten c- 70. Wh ich of th e followin g sen ten ce
th e FOURT H sen ten ce after re- es sh ou ld be th e FI RST after re- sh ou ld be th e FI FT H after rear -
arran gem ent ? arran gem en t ? ran gement ?
(1) A (2) B (1) A (2) B (1) B (2) C
(3) C (4) D (3) A (4) E
(3) C (4) D
(5) E (5) F
(5) E
60. Wh ich of the following shou ld be Di r ec t i o n s (7 1 –7 5 ) : Rear ran ge
th e FI FT H sen ten ce after rear - Di r ec t i on s (6 6 –7 0 ) : Rearran ge th e foll owi n g sen ten ces (A), (B), (C),
ran gem en t ? th e following sen tences (A), (B), (C), (D), (D ), (E) an d (F) to m ak e a m ean i n gfu l
(1) A (2) B (E) an d (F) in th e proper sequ en ce to paragr aph an d th en an swer th e qu es-
(3) C (4) D form a m ean i n gfu l p ar agraph ; th en ti on s wh ich fol low :
(5) E an sw er t h e qu est i on s gi ven b el ow (A) Th e b lam e for lack in g cr eat ivi ty
Di r ect i on s (6 1 – 6 5 ) : Rearran ge them . is, h owever, pu t on th e pr esen t
th e following sen tences (A), (B), (C), (D), (A) Had it been n ot for th em , In dian gen er ati on by t h e m od ern ed u -
(E) an d (F) to m ak e a m ean in gfu l para- b an k s wou l d h ave h ad t h ei r cation ists.
graph an d an swer th e qu estion s wh ich h an ds tied down too. (B) Th e con cept of h om e-wor k b e-
follow: gan so t h at th e pu pil s cou l d r e-
(B) Today almost all th e cou ntries are
(A) H o w ev er w h i l e r ead i n g t h ey vise th at was bei n g tau gh t in th e
facin g th e h eat of recession . class.
wou ld n ot k n ow wh en to pau se
an d wh at to em ph asize. (C) On e of th ese is th e strict RBI an d (C) By doin g so, m ost of th e sch ools
(B) Sin ce then their u se has been reg- SEBI ru les wh ich regu lated bank - took away th e lei su re tim e of th e
u l ar i zed an d t h e p u n ct u at i on in g sector very efficien tly. ch ild ren .
ru les h ave been followed by all. (D) Th is cou ld h ave led to m assive (D) I n st ead , t h ese ed u cat i on i st s
(C) In earlier days, people learn t by losses to th em, which cou ld h ave sh ou ld su ggest l owerin g of bu r -
readin g ou t lou d. p er col at ed to ot h er sect or s as den of h om ework to th e comm is-
(D) Bu t n ot everybody u sed the sam e well. si on for ed u cat ion al reform s.
pu n ctu ation s for th e sam e th ing. (E) However th ere are a few th in gs (E) Th e pu rpose of th is con cept was,
(E) To address th is problem , variou s h o w ev er, d efeat ed w h en t h e
wh i ch h elp In d i a i n b ou n cin g
signs depictin g variou s pu n ctu a- sch ools start ed over bu rd en in g
back from th e state of recession .
tion s were in trodu ced. st u den ts wi th so call ed h om e-
(F) Lik e oth ers In dia too h as n ot re- work .
(F) Thu s firmer gu idelin es regardin g
p u n ct u at i on s w er e fr am ed so m ain ed im m u n e to the epidem ic. (F) Lack of su ch leisu re tim e does
th at everyon e u sed th em in sim - (An dh r a Bank PO Exam . 05.07.2009) n ot allow t h e ch il dren t o d evel-
ilar way. 66. Wh ich of th e followin g sen ten ce op creati ve pu rsu it s.
(Un i t ed Bank Of I n di a PO sh ou ld be th e T H I RD after re- (Cor por at i on Ban k PO
Exam . 21.06 .2009) arrangem ent ? Exam . 2 2. 1 1. 2 0 09 )
61. Wh ich of th e followin g sen ten c- 71. Wh ich of th e fol lowin g sen ten ce
(1) A (2) E
es sh ou ld be th e SECOND after sh ou ld be th e T H I RD after r e-
rearran gem en t ? (3) D (4) F arran gem en t ?
(1) A (2) B (5) C (1) A (2) E
(3) D (4) E 67. Wh ich of th e followin g sen ten ce (3) D (4) F
(5) F sh ou ld be th e FI RST after rear - (5) C
62. Wh ich of th e followin g sen ten c- ran gement ? 72. Wh ich of th e fol lowin g sen ten ce
es sh ou ld be th e T H I RD after re- (1) A (2) B sh ou ld be th e FI RST after rear -
arran gem en t ? (3) C (4) D ran gem en t ?
(1) A (2) E (1) A (2) B
(5) E
(3) D (4) F (3) C (4) D
68. Wh ich of th e followin g sen ten ce
(5) C (5) E
sh ou ld be th e SECOND after re- 73. Wh ich of th e fol lowin g sen ten ce
63. Wh ich of th e followin g sen ten c-
arrangem ent ? sh ou ld be th e SECOND after r e-
es sh ou ld be th e FI FT H after re-
arran gem en t ? (1) A (2) B arran gem en t ?
(1) B (2) C (3) D (4) E (1) A (2) B
(3) A (4) E (5) F (3) D (4) E
(5) F 69. Wh ich of th e followin g sen ten ce (5) F
64. Wh ich of th e followin g sen ten c- sh ou ld be th e SI X T H (LAST ) af- 74. Wh ich of th e fol lowin g sen ten ce
es sh ou ld be th e SI X T H (LAST ) ter rearran gem en t ? sh ou ld be th e SI X T H (L AST ) af-
after rearran gem en t ? ter rearr an gem en t ?
(1) C (2) E
(1) C (2) E (1) B (2) C
(3) D (4) B
(3) D (4) B (3) D (4) E
(5) F (5) F
(5) F

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 JUMBLED SENTENCES (REARRANGE)
75. Wh ich of th e fol lowin g sen ten ce 80. Wh ich of th e followin g sh ou ld be Di r ect i on s (8 6 –9 0 ) : Rear ran ge
sh ou ld be th e FI FT H after rear - th e SI X T H (LAST ) sen ten ce af- the followin g six senten ces (A), (B), (C),
ran gem en t ? ter rearran gem en t ? (D), (E) an d (F) in th e proper sequ en ce
(1) A (2) B (1) B (2) C to form a m ean in gfu l paragraph ; t h en
(3) C (4) E (3) D (4) E an swer th e qu estion s given below :
(5) F (5) F (A) Wi th all th e b id i n form ation b e-
Di r ect i on s (7 6 –8 0 ) : Rearran ge Di r ec t i on s (8 1 –8 5 ) : Rearran ge in g available an d track ed onlin e,
the followin g six senten ces (A), (B), (C), th e following sen tences (A), (B), (C), (D), corru p tion h as con siderabl y r e-
(D), (E) an d (F) in th e proper sequ en ce (E) an d (F) to m ak e a m ean in gfu l para- du ced.
to form a m ean in gfu l paragraph ; th en graph an d th en an swer th e qu estion s (B) Today, m ost i.e. over n in ety-fi ve
an sw er t h e qu est i on s gi ven b el ow wh ich follow : percen t h ou seh old, i n t h e ci ty
them . en joy br oad ban d con n ection .
(A) As a resu lt th e n on stop ten sion s
(A) With all th e bid in form ation be- an d an xieties at work often re- (C) All city con t racts ar e n ow bi d for
in g available an d track ed onlin e, su lt in h ealth related problem s. online
corru ption has been con siderably (D) Over twen ty years ago th e ci ty
(B) Th e tru th is we can n ot ch an ge
redu ced. govern m en t, central govern m en t
th e world of work .
(B) Today, m ost i.e. over n in ety-five an d t h e pri vate sector m ade a
(C) We spen d at least h alf ou r wak -
per cen t h ou seh olds, in th e city con cer t ed effor t t o sh i ft t h e
en joy a broadban d con n ection . in g h ou rs at work .
econ om y t o i n clu de IT
(C) All city con tracts are n ow bid for (D) We have therefore to tak e chan ge
(E) As ou r ci ties to ex pan d an d b e-
on lin e. an d tran sform th e way in wh ich
com e m or e com plex, su ch a sys-
we respon d to ou r work en viron -
(D) Over twen ty years ago th e city tem will m ak e govern an ce m ore
govern m en t, central govern m en t m en t.
m an ageable
an d t h e pri vate sector m ade a (E) So h ow can we con t r ol t h ese
(F) Th is l evel of con n ectedn ess h as
concerted effort to shift th e econ - problem s an d perform at work ?
ch an ged n o t on l y t h e ci t y ’s
om y to in clu de IT. (F) However we can ch an ge th e way econ om y b u t also h ow i t is gov-
(E) As ou r cities con tin u e to expan d we feel an d deal with variou s sit- er n ed an d h ow b u si n ess is con -
an d becom e more com plex, su ch u ations. du ct ed .
a system will m ak e govern an ce (I n di an Ban k PO Ex am . 17.10.2010) (Cor por at i on Ban k PO
m ore m anageable. 81. Wh ich of th e followin g sen ten ce Ex am . 09. 05.20 10)
(F) Th is level of con n ectedn ess h as sh ou ld be the LAST (SIXTH ) sen- 86. Wh ich of th e followin g sh ou ld be
ch anged n ot on ly th e city’s econ - ten ce after rearran gem en t ? th e FI RST sen ten ce aft er rear -
om y bu t also h ow it is govern ed (1) B (2) C ran gem en t ?
an d h ow bu sin ess is con du cted. (3) D (4) E (1) A (2) B
(I n di an Ban k Rur al M ar k et i n g (3) C (4) D
(5) F
Of f i cer Ex am . 22.11 .2009)
82. Wh ich of th e followin g sen ten ce (5) E
76. Wh ich of th e followin g sh ou ld be 87. Wh ich of th e followin g sh ou ld be
sh ou ld be th e FI FT H sen ten ce
th e FI RST sen ten ce after rear - th e SECOND sen t en ce after r e-
after rearran gem en t ?
ran gement ?
(1) B (2) C arr an gem en t ?
(1) A (2) B
(3) D (4) E (1) A (2) B
(3) C (4) D
(5) F (3) C (4) D
(5) E
(5) F
77. Wh ich of th e followin g sh ou ld be 83. Wh ich of th e followin g sen ten ce
sh ou ld be the SECOND sen tence 88. Wh ich of th e followin g sh ou ld be
th e SECOND sen ten ce after re-
after rearran gem en t ? th e T H I RD sen ten ce aft er rear -
arrangem ent ?
ran gem en t ?
(1) A (2) B (1) A (2) B
(1) A (2) C
(3) C (4) D (3) C (4) D
(3) D (4) E
(5) F (5) E
(5) F
78. Wh ich of th e followin g sh ou ld be 84. Wh ich of th e followin g sen ten ce 89. Wh ich of th e followin g sh ou ld be
th e T H I RD sen ten ce after rear - sh ou ld be th e FI RST sen t en ce th e FI FT H sen ten ce aft er rear -
ran gement ? after rearran gem en t ? ran gem en t ?
(1) B (2) C (1) A (2) B (1) A (2) B
(3) D (4) E (3) C (4) D (3) C (4) D
(5) F (5) E (5) E
79. Wh ich of th e followin g sh ou ld be
85. Wh ich of th e followin g sen ten ce 90. Wh ich of th e followin g sh ou ld be
th e FI FT H sen ten ce after rear -
shou ld be th e FOURTH sen tence th e LAST (SI X T H ) sen t en ce af-
ran gement ?
after rearran gem en t ? ter r ear ran gem en t ?
(1) A (2) B
(1) A (2) B (1) B (2) C
(3) C (4) D
(3) C (4) D (3) D (4) E
(5) E
(5) E (5) F
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Di r ect i on s (9 1 – 9 5 ) : Rearran ge
th e following sen tences (A), (B), (C), (D),
(E) an d (F) to m ak e a m ean in gfu l para-
graph an d th en an swer th e qu estion s
wh ich follow :
(A) In fact accordin g to m ain stream
econ om ists it is in evitable an d a
n ecessary evil in an y econ om y.
(B) It is th u s im portan t for every n a-
tion to m ain tain th is reserve of
labou r force to maintain an opti-
m al level of u n em ploym en t.
(C) Un em ploym en t is popu larly be-
lieved to be an in dex which m ea-
su res th e econ om ic con dition of
a n ation .
(D) Th is is becau se it h elps avert in -
fl at ion b y p r ovi d i n g a r eser ve
arm y of labou r which k eeps wag-
es in ch eck .
(E) Th e p r ob l em , h ow ever , on l y
em erges wh en govern m en ts in -
directly facilitate u n em ploym en t
in order to cu rb in flation th rou gh
variou s policies an d framework s,
deprivin g a large popu lation of its
fu n damen tal righ ts.
(F) Bu t contrary to popu lar belief u n-
em ploymen t is not always disad-
van tageou s to th e econ om y of a
state.
(Pun j ab & Si n d Ban k PO
Ex am . 16. 05.20 10)
91. Wh ich of th e followin g sen ten c-
es sh ou ld be th e SI X T H (LAST )
after rearran gem en t ?
(1) A (2) B
(3) C (4) E
(5) F
92. Wh ich of th e followin g sen ten c-
es sh ou ld be th e FI RST after re-
arran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
93. Wh ich of th e followin g sen ten c-
es sh ou ld be th e FI FT H after re-
arran gem en t ?
(1) A (2) B
(3) C (4) E
(5) F
94. Wh ich of th e followin g sen ten c-
es sh ou ld be th e SECOND after
rearran gem en t ?
(1) A (2) B
(3) D (4) E
(5) F
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
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JUMBLED SENTENCES (REARRANGE)
95. Wh ich of th e followin g sen ten c-
es sh ou ld be th e T H I RD after re-
arran gem en t ?
(1) A (2) E
(3) D (4) F
(5) C
Di r ect i on s (96 –1 0 0) : Rearrange
the followin g six senten ces (A), (B), (C),
(D), (E) an d (F) in th e proper sequ en ce
to form a m ean in gfu l paragraph ; th en
an sw er t h e qu est i on s gi ven b el ow
them .
(A) However, m an y people m ay n ot
be aware of th e n u m erou s oth er
areas wh ere it h as been applied.
(B) Today, even , th ose wh o h ave lit-
tle k n owledge abou t th e produ c-
t ion of vi rt u al reali t y are n ow
m ost lik ely awar e of its u se in
video gam es.
(C) Sim ilarly, m edical stu den ts h ave
su bstitu ted a cadaver for a fiber -
glass mou ld of a body and a h ead-
set when training to per form su r -
gery.
(D) Virtu al reality was an u n fam iliar
con cept to m an y people till th e
early 90’s.
(E) In trodu cin g virtu al reality to th e
r eal wor l d , t h u s, h as al r ead y
proven to be ben eficial for every
in du stry it en cou n ters.
(F) For exam ple, astron au t train ees
h ave recently u sed virtu al reality
to sim u late a trip to space.
(Ban k Of Bar oda PO
Ex am . 30. 05.20 10)
96. Wh ich of th e followin g sh ou ld be
th e FOURT H sen ten ce after re-
arrangem ent ?
(1) E (2) F
(3) A (4) D
(5) B
97. Wh ich of th e followin g sh ou ld be
th e FI RST sen ten ce after rear -
ran gement ?
(1) A (2) B
(3) C (4) D
(5) E
98. Wh ich of th e followin g sh ou ld be
th e LAST (SI X T H ) sen ten ce af-
ter rearran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
99. Wh ich of th e followin g sh ou ld be
th e SECOND sen ten ce after re-
arrangem ent ?
(1) B (2) C
(3) D (4) E
(5) F
100. Wh ich of th e followin g sh ou ld be
th e FI FT H sen ten ce after rear -
ran gement ?
(1) A (2) B
(3) C (4) D
(5) E
Di r ec t i o n s (1 0 1 –1 0 5 ) : Rear -
ran ge th e followin g six sen ten ces (A),
(B), (C), (D), (E) an d (F) in th e proper
sequ en ce to form a m ean in gfu l para-
graph ; th en an swer th e qu estion s giv-
en betow th em .
(A) It is th erefore a con tribu tin g fac-
tor to th e growth of lan dfills an d
w at er w ay , p ol l u t i on , b ot h of
wh ich are costly an d en ergy in -
ten sive to solve.
(B) M ak in g an effor t t o u se th ose
resou rces an d avoid polystyren e
on es can h elp to decrease you r
environ mental impact.
(C) Non -b i od egr ad ab l e essen t i al l y
m ean s th at an y polystyren e th at
m ak es its way in to a lan dfill will
st ay t h er e i n d efi n i t el y, n ever
break in g down an d retu n irn g to
th e earth .
(D) Polystyren e, as a produ ct, is very
convenient to u se, bu t it has some
im portan t effects we sh ou ld con -
si der wh en m ak i n g ch oices as
con su m ers.
(E) Wh ile recyclin g polystyren e m a-
terial can cu sh ion th e en viron -
m en tal blow of its u se, altern a-
tives are available th at are creat-
ed fr om r en ewab l e r esou r ces
an d biodegrade m ore readily.
(F) For exam ple, wh ile polysty-
ren e has some excellent u ses an d
is techn ically, recyclable, it is not
a su bstan ce th at biodegrades.
(Cen t ral Bank Of I ndi a PO
Exam . 25.07 .2010)
101. Wh ich of th e followin g sh ou ld be
th e LAST (SI X T H ) sen ten ce af-
ter rearran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
102. Wh ich of th e followin g sh ou ld be
th e FOURT H sen ten ce after re-
arran gem en t ?
(1) E (2) F
(3) A (4) D
(5) B
-133-

103. Wh ich of th e followin g sh ou ld be
th e FI RST sen ten ce after rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
104. Wh ich of th e followin g sh ou ld be
th e SECOND sen ten ce after re-
arran gem en t ?
(1) B (2) C
(3) D (4) E
(5) F
105. Wh ich of th e followin g sh ou ld be
th e FI FT H sen ten ce after rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
Di r ect i o n s (1 0 6 –1 1 0 ) : Rear -
ran ge th e followin g five sen ten ces (A),
(B), (C), (D) an d (E) in th e proper se-
qu en ce to for m a m ean i n gfu l para-
graph ; th en an swer th e qu estion s giv-
en below th em .
(A) Du rin g th is agin g process, you
h ad first h eard statem en ts su ch
as : “You can ’t ride you r bicycle
u n til you are seven ’, an d , “You
can ’t drive a car u n til you ’re 18”.
(B) Bu t, you n eed to rem em ber th at
part of you h as an ageless m in d
an d is qu ite obliviou s to the phys-
i cal agin g pr ocess — you j u st
n eed to en cou rage it to overcom e
th is excu se of bein g old.
(C) Th e age excu se of bein g too old
comes from an inclination to iden-
tify you rself with th e n u m ber of
trips you h ave m ade arou n d th e
su n .
(D) Th e age of you r body can seem
to be qu i te an obstacle on th e
road to changing lon g-held thin k -
in g habits.
(E) Th en at som e poin t you discov-
ered th at you wen t from bein g
n ot old en ou gh to bein g too old.
(Sy n di cat e Ban k PO Ex am . 29.08.2010)
106. Wh ich of the followin g will be th e
T H IRD sen tence after rearrange-
men t?
(1) A (2) B
(3) C (4) D
(5) E
107. Wh ich of the followin g will be th e
SECOND sen t en ce aft er r ear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) F
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JUMBLED SENTENCES (REARRANGE)
108. Wh ich of the followin g will be th e
F OURT H sen t en ce aft er r ear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
109. Wh ich of the followin g will be th e
FI RST sen ten ce after rearran ge-
m en t ?
(1) A (2) B
(3) C (4) D
(5) E
110. Wh ich of the followin g will be th e
FI FT H (LAST ) sen ten ce after re-
arran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
Direct i ons (111–115) : Rearrange
th e foll owi n g five sen ten ces (A), (B ),
(C), (D) an d (E) in th e proper sequ en ce
to form a m ean in gfu l paragraph ; t h en
an sw er t h e qu est i on s gi ven b el ow
them .
(A) Th u s, if we reall y valu e it , we
wi ll work h ard to m ak e it a real-
ity.
(B) In n er peace is t h e m ost el u si ve
th in g th at a h u m an b ein g can
seek .
(C) Th e m ost im p ortan t cri teri on in
or der to exp eri en ce it is to val u e
th e i m por tan ce of in n er p eace.
(D) To ex per ien ce i n n er p eace on e
doesn ’t h ave t o retreat to a H i-
m alayan cave; r at h er, on e can
exp er i en ce in n er p eace seated
exactly wh ere th ey are by watch -
in g t h ese t h ou gh t s.
(E) Nobody can gift th e ot h er in n er
peace at th e sam e tim e it is on ly
on e’s own th ou gh ts th at can rob
th em of th eir i n n er p eace.
(Pun j ab Nat i on al Ban k Speci al i st
Of f i cer Ex am . 24.10.2 010)
111. Wh ich of th e followin g sh ou ld be
th e FI FT H sen ten ce aft er rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
112. Wh ich of th e followin g sh ou ld be
th e FOURT H sen t en ce after r e-
arr an gem en t ?
(1) E (2) D
(3) C (4) B
(5 ) A
113. Wh ich of th e followin g sh ou ld be
th e SECOND sen ten ce aft er r e-
arr an gem en t ?
(1) E (2) D
(3) C (4) B
(5) A
114. Wh ich of th e followin g sh ou ld be
th e FI RST sen ten ce aft er rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
115. Wh ich of th e followin g sh ou ld be
th e T H I RD sen ten ce aft er rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
Di r ec t i o n s (1 1 6 -1 2 0 ) : Rear -
ran ge th e followin g five sen ten ces (A),
(B), (C), (D) an d (E) in th e proper se-
qu en ce to for m a m ean i n gfu l para-
graph ; th en an swer th e qu estion s giv-
en below th em .
(A) For alm ost two m on th s n ow, th e
stru ggle to cap th e oil well an d
p r ot ect l ar ge sect i on s of t h e
cou n try’s coast lin e from b ei n g
devastated h as been th e top sto-
ry in th e news and the m ajor con -
cern of th e US adm in istration .
(B) At presen t, th ou gh , on e fin ds lit-
tle expression of th is in th e dis-
cu ssion s arou n d th e oil spill.
(C) In th ese m on th s it h as been re-
alized th at this is an en viron men-
tal crisis of gigan tic proportion s,
an d is pu rely m an -m ade.
(D) Oil an d water do n ot m ix, as th e
Am er ican s ar e bein g forced t o
accept wit h th e t ragic oi l spi ll
from a British Petroleu m oil rig
in th e Gu lf of Mexico.
(E) Wh eth er in th e lon g-term th is will
com pel Am erican s to th in k again
abou t th eir depen dan ce on fossil
fu els and seriou sly embark on the
path of scalin g it down an d en -
cou raging alternatives rem ain s to
be seen .
(Un i t ed Ban k Of I n di a PO
Exam . 14.11. 2010)
116. Wh ich of th e followin g sh ou ld be
th e FI RST sen ten ce after rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
-134-

117. Wh ich of th e followin g sh ou ld be
th e FI FT H sen ten ce after rear -
ran gem en t ?
(1) E (2) D
(3) C (4) B
(5) A
118. Wh ich of th e followin g sh ou ld be
th e SECOND sen ten ce after re-
arran gem en t ?
(1) E (2) D
(3) C (4) B
(5) A
119. Wh ich of th e followin g sh ou ld be
th e T H I RD sen ten ce after rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
120. Wh ich of th e followin g sh ou ld be
th e FOURT H sen ten ce after re-
arran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
Di r ec t i o n s (1 2 1 –1 2 5 ) : Rear -
ran ge th e followin g six sen ten ces (A),
(B), (C), (D), (E) an d (F) in th e proper
sequ en ce to form a m ean in gfu l para-
graph; then answer th e qu estions given
below th em .
(A) Th e Reserve Ban k of In dia (RBI),
wh ich h ad last in terven ed in th e
foreign exch an ge m ark et in Ju n e
2009, was seen bu yin g dollars
to stem th e ru pee's ru n away ap-
preciation .
(B) The bank had for so long resisted
a rate in crease, bu t fin ally toed
th e lin e of other ban k s as its cost
of fu n ds h as gon e u p.
(C) Th e local cu rren cy recen tly rose
to a 25-m on th h igh again st th e
doll ar on su stai n ed capital in -
fl ows.
(D) Some interesting things have hap-
pened in the Indian financial sys-
tem in th e past few week s.
(E) Th e RB I al so an n ou n ced a
12,000 crore bu y- back of gov-
ern m en t bon ds from th e m ark et
to in fu se m on ey in to a liqu idity-
starved ban k in g system .
(F) Fin ally, th e State Ban k of In dia,
th e n ation ’s largest len der, h as
raised its m inim u m lendin g rate,
or base rate, by 10 basis poin ts.
(On e b asi s p oi n t i s on e- h u n -
dredth of a percen tage poin t)
(PNB Managem ent Tr ai n ee
Ex am . 28. 11.20 10)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
JUMBLED SENTENCES (REARRANGE)
121. Wh ich of th e followin g wou ld be 126. Wh ich of th e followin g sh ou ld be
th e T H I RD sen ten ce? th e FI RST sen ten ce after rear -
(1) B (2) A an gem en t ?
(3) D (4) E (1) A (2) B
(5) F (3) C (4) D
122. Wh ich of th e followin g wou ld be (5) E
th e SI X T H (LAST ) sen ten ce? 127. Wh ich of th e followin g sh ou ld be
(1) B (2) C th e SECOND sen ten ce after re-
(3) D (4) E arran gem en t ?
(5) A (1) E (2) D
123. Wh ich of th e followin g wou ld be (3) C (4) B
th e SECOND sen ten ce? (5) A
(1) A (2) C 128. Wh ich of th e followin g sh ou ld be
(3) D (4) E th e T H I RD sen ten ce after rear -
(5) F ran gem en t ?
124. Wh ich of th e followin g wou ld be (1) A (2) B
th e FOURT H sen ten ce? (3) C (4) D
(1) B (2) C (5) E
(3) D (4) A
129. Wh ich of th e followin g sh ou ld be
(5) E th e FOURT H sen ten ce after re-
125. Wh ich of th e followin g wou ld be arran gem en t ?
th e FI RST sen ten ce? (1) E (2) D
(1) B (2) C
(3) C (4) B
(3) D (4) E
(5) A
(5) F
130. Wh ich of th e followin g sh ou ld be
Di r ect i o n s (1 2 6 –1 3 0 ) : Rear -
th e FI FT H sen ten ce after rear -
ran ge th e followin g five sen ten ces (A),
ran gem en t ?
(B), (C), (D) an d (E) in th e proper se-
qu en ce to form a paragraph ; th en an - (1) A (2) B
swer th e qu estion s given below th em . (3) C (4) D
(5) E
(A) A sm all wooden n est box is all it
h as tak en to rek in dle all th e ro- Di r ec t i o n s (1 3 1 –1 3 5 ) : Rear -
mance of bringin g sparrows and ran ge th e fol lowin g sen ten ces (A), (B ),
oth er birds back in to ou r cities (C), (D), (E) an d (F) to m ak e a m ean -
an d h alt th em from fadin g in to in gfu l paragraph an d t h en an swer th e
the past lik e a forgotten folk tale. qu estion s wh ich foll ow :
(B) Th ere is som eth in g wron g with (A) In creased competition , globalisa-
a city that remains u npertu rbed ti on an d th e n eed for en orm ou s
even as its birds desert it. resou rces h ave nu dged priorities
(C) Th an k fu lly, th e situ ation is n ot wh ich on ce h el d t h e for t.
as h opeless as it seem s. (B) In ord er to ach i eve th ese, h ype
(D) Mu ch as we try to defen d th e an d sen sation ali sm is pu t in to
seem in gly irreversible m odern sp ice u p th e n ews wh ich h ave
life of th ese cities, we can ’t stop robbed n ews st ories of cred ibi l-
ou r hearts from cryin g when we
ity.
realize th at ou r rapidly degen -
(C) Th is is on ly possible if a lot m ore
eratin g u rban eco-system isn ’t
th ou ght is pu t in to th e gath erin g
gen erou s en ou gh to let t h ese
an d p r esen t at i on of t h e d ai l y
delicate win ged creatu res bu ild
tin y little n ests in its n ook s an d n ews an d d el i ver i n g i t m u ch
m ore sen sitively to its receivers/
cr an n ies, sit in soli tu de, an d
u ser s.
rear offsprin g.
(E) An d th is desertion seem s to be (D) Technological innovation and eco-
tru e with m ost m etros in In dia n om ic ch an ge h ave tr an sfor m ed
wh ere h ou se sparrows h ave al- th e n ews in d u str y t o t h e exten t
most becom e a thing of the past. wh ere i ts origi n al defi n iti on as a
(Ban k Of M ah ar ash t r a pu bli c service n o l on ger h ol ds
Ex am . 19 .12.20 10) good.
-135-
 JUMBLED SENTENCES (REARRANGE)
(E) In or der to wi n it back , th e m e- (D) Bu ildin gs, both com m ercial an d (B) India’s ‘strategic commu nity’com-
di a sh ou l d m ak e fu l l u se of t h e r esi d en t i al r ep r esen t a l ar ger prises two disti n ct circles with
tr em en dou s power t h at th e d e- sou rce of global warm in g pollu - little overlap.
m ocracy b lesses it wit h . t i on t h an t h e sai d car s an d (C) Consequ ently, main stream strat-
(F) Th ese in cl u ded pu bli c good an d tru ck s. egists h ave an extern al orien ta-
social respon si bil ity. Bu t sadl y, (E) Th e m ajor cau se of global warm - tion to th eir discou rse, con cen -
today, th ese h ave m ad e way for in g is the emission of green hou se trating on h igh politics; th e latter
a bu si n ess t arget of com m erci al gases lik e carbon dioxide, m eth - is m ore in tern al orien ted.
vi abi lit y an d a ch ase of vi ewer - an e, n itrou s oxide etc. in to th e (D) Th eir prescription s too are u n -
ship. atmosph ere. d er st an d ab l y pol es ap ar t an d
(Or i en t al Ban k Of Com m er ce PO (F) Th ese p ower plan t s em i t l ar ge th u s, t h e st ate, t o wh i ch both
Ex am . 26. 12.20 10) am ou n ts of carbon dioxide pro- th eir comm entary is directed, h as
131. Wh ich of th e fol lowin g sen ten c- du ced from bu rn in g of fossil fu - to play bal an cer, an d en ds u p
es sh ou ld be th e SI X T H (LAST ) els for th e pu rpose of electricity bein g at th e receivin g en d of crit-
after rearran gem en t ? gen eration . icism from both sides.
(1) A (2) B (I n di an Ban k PO Exam . Hel d on :
(E) Ou t of the two, one can be term ed
(3) C (4) D 02.01.2011 (Based on M em or y )
th e ‘m ain stream ’ an d th e oth er
(5) F 136. Wh ich of th e followin g sh ou ld be ‘alternate’.
132. Wh ich of th e fol lowin g sen ten c- th e SECOND sen ten ce aft er r e-
(F) To fu rth er elaborate on th e ex-
es sh ou ld b e t h e T H I RD after arr an gem en t ?
ternal and internal con cept -wh ile
rearran gem en t ? (1) E (2) D
on e is en am ou red of In dia’s rise
(1) A (2) E (3) C (4) B an d place in th e global order, th e
(3) D (4) F (5) A oth er is m ore sensitive to its vu l-
(5) C (I n di an Ban k PO Exam . Hel d on : n erabilities and inadequ acies.
133. Wh ich of th e fol lowin g sen ten c- 02.01.2011 (Based on M em or y ) (Un i on Ban k Of I n di a PO
es sh ou ld b e t h e F I F T H aft er 137. Wh ich of th e followin g sh ou ld be Ex am . 09 .01.20 01)
rearran gem en t ? th e T H I RD sen ten ce aft er rear - 141. Wh ich of th e followin g sh ou ld be
(1) A (2) B ran gem en t ? th e FOURT H sen ten ce aft er r e-
(3) E (4) C (1) A (2) B arr an gem en t ?
(5) F (3) C (4) D (1) E (2) D
134. Wh ich of th e fol lowin g sen ten c- (5) F (3) C (4) B
es sh ou l d be t h e F I RST aft er 138. Wh ich of th e followin g sh ou ld be (5) A
rearran gem en t ? th e FI RST sen ten ce aft er rear -
(1) A (2) B 142. Wh ich of th e followin g sh ou ld be
ran gem en t ?
th e SI X T H sen ten ce aft er rear -
(3) C (4) D (1) A (2) B
ran gem en t ?
(5) E (3) C (4) D
(1) A (2) B
135. Wh ich of th e fol lowin g sen ten c- (5) E
es sh ou ld be th e SECOND aft er (3) C (4) D
139. Wh ich of th e followin g sh ou ld be
rearran gem en t ? (5) E
th e SI X T H sen ten ce aft er rear -
(1) A (2) B ran gem en t ? 143. Wh ich of th e followin g sh ou ld be
(3) D (4) E th e SECOND sen ten ce aft er r e-
(1) A (2) B
(5) F arr an gem en t ?
(3) C (4) D
Di r ec t i o n s (1 3 6 –1 4 0 ) : Rear - (1) E (2) D
(5) E
ran ge th e foll owi n g six sen ten ces (A), (3) C (4) B
140. Wh ich of th e followin g sh ou ld be
(B ), (C), (D ), (E) an d (F) i n t h e p rop er (5) A
th e FOURT H sen t en ce after r e-
sequ en ce to form a m ean i n gfu l par a- 144. Wh ich of th e followin g sh ou ld be
arr an gem en t ?
graph ; t h en an swer th e qu esti on s giv- th e FI RST sen ten ce aft er rear -
en below th em . (1) E (2) D
(3) C (4) B ran gem en t ?
(A) Bu ildin g of th ese stru ctu res re-
(5) A (1) A (2) B
qu ires a lot of fu el to be bu rn t
wh ich em its a large am ou n t of Di r ec t i o n s (1 4 1 –1 4 5 ) : Rear - (3) C (4) D
car b on d i ox i d e i n t h e at m o- ran ge th e foll owi n g six sen ten ces (A), (5) E
sp h ere. (B ), (C), (D ), (E) an d (F) i n t h e p rop er 145. Wh ich of th e followin g sh ou ld be
(B) Th e m ajor sou rce of carbon di- sequ en ce to form a m ean i n gfu l par a- th e T H I RD sen ten ce aft er rear -
oxide is power plan ts. graph ; t h en an swer th e qu esti on s giv- ran gem en t ?
(C) Anoth er twenty percen t of carbon en below th em . (1) A (2) B
dioxide emitted in the atmosphere (A) Wh ile th e referen ce poin t for th e (3) C (4) D
com es from bu rn in g of gasolin e form er is th e state, for th e latter
in the en gin es of veh icles. it’s society. (5) F

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-136-
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 JUMBLED SENTENCES (REARRANGE)
Di r ec t i o n s (1 4 6 –1 5 0 ) : Rear - (B) Hen ce th e h u m an race h as n o (C) Su ch fan tastical qu estion s h ave
ran ge th e followin g five sen ten ces (A), ch oice bu t to adapt to th ese im - lon g been th e bread an d bu tter
(B ), (C), (D ) an d (E) in th e pr oper se- pacts. of fiction .
qu en ce to for m a m ean i n gfu l para- (C) In dia h as to be con cern ed abou t (D) Today, m ore th an fou r cen tu ries
graph ; t h en an swer th e qu esti on s giv- climatic ch an ges. sin ce th e ph rase, “A p en n y for
en below th em . you r th ou gh ts ?”, was first re-
(D) This im pact can ru n into decades
(A) “Wh at a waste of m y tax m on ey”, an d cen tu ries. corded, in flation ary accou n tin g
I th ou gh t, walk in g past th e peo- m ak es th at an cien t pen n y worth
(E) En viron m en t day is th u s an im -
ple h aving free Califor nian Ch ar - m ore th an $40.
por tan t occasion to assess th e
donnay.
past an d ou r fu tu re. (E) Th e goin g rate for a “th ou gh t” - a
(B) “Speak to h er”, h e said, “Sh e’s
(F) Sin ce th ere is a possibility of ad- probe in to th e th in k in g of anoth -
in to book s”.
ver se i m p ac t on agr i cu l t u r e er - was on ce qu ite a bargain .
(C) Th e frien d wh o h ad brou gh t m e
th ere n oticed m y n oticin g h er. wh ich cou ld deter growth . (F) An d if you cou ld really k n ow their
(Pun j ab & Si n d Ban k PO t r u t h fu l n ess h ow m u ch m or e
(D) In late 2003, I was still payin g
taxes in Am erica, so it h orrified
Ex am . 23. 01.20 11) wou ld you pay?
m e th at th e US Con su late was 151. Wh ich is th e FI FT H sen ten ce of (G) Even with the slidin g valu e of th e
h ostin g a “Gallo drin k in g appre- th e passage after th e rearran ge- doll ar, th is st il l seem s qu i te a
ciation even t”. ment ? bargain .
(E) Beh in d th em , a pian ist was play- (1) (F) (2) (D) (Ban k Of Bar oda PO
in g old fil m tu n es, an d a slim (3) (E) (4) (A) Ex am . 13 .03.20 11)
short woman was dancin g arou nd (5) (C) 156. Which of th e followin g shou ld be
him. 152. Wh ich is th e T H I RD sen ten ce of th e SECOND sen ten ce after re-
(Cor por at i on Ban k PO th e passage ? arran gement?
Ex am . 16 .01.20 11)
(1) (A) (2) (D) (1) F (2) D
146. Wh ich of th e followin g wou ld be
(3) (B) (4) (C) (3) C (4) G
th e FOURT H sen ten ce ?
(5) (E) (5) A
(1) A (2) B
(3) C (4) D 153. Wh ich is th e SECOND sen ten ce 157. Which of th e followin g shou ld be
of th e passage ? th e FOURT H sen ten ce after re-
(5) E
(1) (B) (2) (D) arran gement?
147. Wh ich of th e followin g wou ld be
th e FI RST sen ten ce ? (3) (F) (4) (C) (1) A (2) B
(1) A (2) B (5) (E) (3) G (4) D
(3) C (4) D 154. Wh ich is th e LAST (SI X T H ) sen - (5) F
(5) E ten ce of th e passage ? 158. Which of th e followin g shou ld be
148. Wh ich of th e followin g wou ld be (1) (C) (2) (B) th e SI X T H sen ten ce after rear -
th e FI FT H (LAST ) sen ten ce ? (3) (F) (4) (D) ran gement?
(1) A (2) B (5) (E) (1) E (2) G
(3) C (4) D 155. Wh ich is th e FI RST sen ten ce of (3) C (4) B
(5) E th e passage ? (5) A
149. Wh ich of th e followin g wou ld be (1) (A) (2) (D) 159. Which of th e followin g shou ld be
th e SECOND sen ten ce ? (3) (C) (4) (B) th e SEVENT H (Last ) sen t en ce
(1) A (2) B (5) (E) after rearran gem en t?
(3) C (4) D Di r ect i on s (1 5 6 –1 6 0 ) : Rear - (1) A (2) B
(5) E range the following seven sentences (A), (3) F (4) D
150. Wh ich of th e followin g wou ld be (B), (C), (D), (E), (F) and (G) in the proper (5) E
th e T H I RD sen ten ce ? sequ en ce to form a m ean in gfu l para- 160. Which of th e followin g shou ld be
(1) A (2) B graph ; th en an swer th e qu estion s giv- th e FI RST sen ten ce after rear -
(3) C (4) D en below th em . ran gement?
(5) E (A) Bu t seriou sly, h ow m u ch wou ld (1) A (2) B
Di r ec t i o n s (1 5 1 –1 5 5 ) : Rear - you pay to k n ow wh at th ou gh ts
(3) C (4) D
ran ge th e foll owi n g six sen ten ces (A), are swim m in g arou n d in som e-
(B ), (C), (D ), (E) an d (F) i n t h e p rop er on e else’s h ead ? (5) E
sequ en ce to form a m ean i n gfu l par a- (B) In most fiction al m ovies th u s, th e Di r ect i o n s (1 6 1 –1 6 5 ) : Rear -
graph ; t h en an swer th e qu esti on s giv- idea of readin g m in ds - of seein g ran ge th e followin g six sen ten ces (A),
en below th em . th e private inten tion s of an other, (B), (C), (D), (E) an d (F) in th e proper
(A) Devel opm en t of d rou gh t r esi s- an d th e possibility of in tervenin g sequ en ce to form a m ean in gfu l para-
tan ce cou ld ben efit large n u m - in those plans — has always been graph , th en an swer th e qu estion s giv-
bers of farm ers. h igh ly attractive en below th em .

I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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-137-
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(A) Iron ically th e sam e paren ts wh o
are con sidered to be ignoran t are
thou ght to be very en ligh ten ed in
ch oosi n g p r i vat e sch ool s over
state-ru n on es.
(B) Th is is all th e m ore reason wh y
we sh ou ld in clu de th em du rin g
th e planning and implemen tation
of th e system .
(C) Th is is apparen t at every stage
from policy m ak ing to im plem en -
tation as crit ical decision s are
made with ou t th e participation of
th e stak eholders, an attitu de th at
can on ly be described as eith er
arrogan ce or in differen ce.
(D) In reality, every paren t decides
w h i ch sch ool i s a good on e,
based on h is/ h er own set of val-
u es, perception s and aspiration s.
(E) Th e root cau se of m ost of th e ills
th at plagu e ou r edu cation system
is t h e en orm ou s d ist an ce th at
sep ar at es t h e p ow er cen t r es
w i t h i n t h e s y st em a n d t h e
sch ools wh ere th e action tak es
place.
(F) It is often said in defen se of su ch
an approach th at poor paren ts
are too ign oran t to be partn ers
in a mean in gfu l dialogu e.
(Al l ah abad Ban k PO Ex am . 17.04.2011)
161. Wh ich of th e followin g sh ou ld be
th e SI X T H (LAST ) sen ten ce af-
ter rearran gem en t?
(1) A (2) B
(3) F (4) D
(5) E
162. Wh ich of th e followin g sh ou ld be
th e T H I RD sen ten ce after rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) F
163. Wh ich of th e followin g sh ou ld be
th e SECOND sen ten ce after re-
arran gem en t ?
(A) F (2) D
(3) C (4) E
(5) A
164. Wh ich of th e followin g sh ou ld be
th e FI RST sen ten ce after rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
165. Wh ich of th e followin g sh ou ld be
th e FOURT H sen ten ce after re-
arran gem en t ?
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
JUMBLED SENTENCES (REARRANGE)
(1) E (2) D Di r ect i o n s (1 7 1 –1 7 5 ) : Rear -
(3) C (4) B ran ge th e followin g five sen ten ces (A),
(5) A (B), (C), (D) an d (E) in th e proper se-
qu en ce to form a paragraph ; th en an -
Di r ec t i o n s (1 6 6 -1 7 0 ) : Rear -
ran ge th e followin g six sen ten ces (A), swer th e qu estion s given below th em .
(B), (C), (D), (E) an d (F) in th e proper (A) A sm all wooden n est box is all it
sequ en ce to form a m ean in gfu l para- h as tak en to rek in dle all th e ro-
graph; then answer th e qu estions given mance of bringin g sparrows and
below th em . oth er birds back in to ou r cities
(A) Wh en it com es to th e n u m ber of an d h alt th em from fadin g in to
tigers th ou gh , I th i n k it is too the past lik e a forgotten folk tale.
sm all a n u m ber represen tin g a
(B) Th ere is som eth in g wron g with
speci es.
a city that remains u npertu rbed
(B) Th ese days, everywh ere I go, I
even as its birds desert it.
see h oardin gs sayin g ‘J u st 1411
Left ’. (C) Th an k fu lly, th e situ ation is n ot
(C) Th e th ree b ein g, t h e Casp i an , as h opeless as it seem s.
Balin ese an d J avan . (D) Mu ch as we try to defen d th e
(D) Besid es th e sm all n u m ber, we seem in gly irreversible m odern
are steadily losin g a few species life of th ese cities, we can ’t stop
of th ese an im als as well. ou r hearts from cryin g when we
(E) Nor m al l y, I wou l d gr oan an d realize th at ou r rapidly degen -
gru m ble on seein g th is figu re of eratin g u rban eco-system isn ’t
1411 on m y sh oppin g bills as it gen erou s en ou gh to let t h ese
sou n ds too m u ch . delicate win ged creatu res bu ild
(F) At th e en d of th e last cen tu ry we tin y little n ests in its n ook s an d
h ad lost 3 ou t of 8 tiger species. cr an n ies, sit in soli tu de, an d
(I n di an Ov er seas Ban k PO Ex am . rear offsprin g.
22.05. 2011) (E) An d th is desertion seem s to be
166. Wh ich of th e followin g sh ou ld be tru e with m ost m etros in In dia
th e FI RST sen ten ce after rear - wh ere h ou se sparrows h ave al-
ran gement? most becom e a thing of the past.
(1) A (2) B (I BPS Ban k PO/ M T CWE 18.09.2011)
(3) C (4) D
171. Wh ich of th e followin g sh ou ld be
(5) E th e FI RST sen ten ce after rear -
167. Wh ich of th e followin g sh ou ld be an gem en t ?
th e SECOND sen ten ce after re-
(1) A (2) B
arran gement?
(1) F (2) D (3) C (4) D
(3) C (4) E (5) E
(5) A 172. Wh ich of th e followin g sh ou ld be
168. Wh ich of th e followin g sh ou ld be th e SECOND sen ten ce after re-
th e T H I RD sen ten ce after rear - arran gem en t ?
ran gement? (1) E (2) D
(1) A (2) B (3) C (4) B
(3) C (4) D (5) A
(5) E 173. Wh ich of th e followin g sh ou ld be
169. Wh ich of th e followin g sh ou ld be th e T H I RD sen ten ce after rear -
th e FI FT H sen ten ce after rear - ran gem en t ?
ran gement? (1) A (2) B
(1) A (2) B
(3) C (4) D
(3) F (4) D
(5) E
(5) E
174. Wh ich of th e followin g sh ou ld be
170. Wh ich of th e followin g sh ou ld be
th e FOURT H sen ten ce after re-
th e SI X T H (Last ) sen ten ce after
arran gem en t ?
rearrangem en t?
(1) E (2) D (1) E (2) D
(3) C (4) B
(3) C (4) B
(5) A (5) A
-138-

175. Wh ich of th e followin g sh ou ld be
th e FI FT H sen ten ce after rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
Di r ect i on s (1 7 6 –1 8 0 ) : Rear -
ran ge th e followin g six sen ten ces (A),
(B), (C), (D), (E) an d (F) in th e proper
sequ en ce to form a m ean in gfu l para-
graph ; th en an swer th e qu estion s giv-
en below th em .
(A) It is n o won der th at a m ajority of
th ese exclu ded an d low-ach iev-
ers com e from th e m ost deprived
section s of society.
(B) Th ey are precisely th ose wh o are
s u p p o sed t o b e em p o w er ed
throu gh edu cation .
(C) Wi th h eigh t en ed pol it ical con -
sciou sn ess ab ou t th e pli gh t of
th ese to-be-em powered people,
n ever in th e h istory of In dia h as
th e dem an d for in clu sive edu ca-
tion been as ferven t as today.
(D) Th ey eith er n ever en rol or th ey
drop ou t of sch ools at differen t
stages du rin g th ese eigh t years.
(E) Of the nearly 200 million ch ildren
in th e age grou p between 6 an d
14 years, m ore th an h alf do n ot
com plete eigh t years of elem en -
tary edu cation .
(F) Of th ose wh o do com plete eigh t
years of sch oolin g, th e ach ieve-
m en t levels of a large percen t-
age, in lan gu age an d m ath em at-
ics, is u n acceptably low.
(I BPS Speci al i st Of f i cer CWE
11 .03. 201 2)
176. Which of th e followin g shou ld be
th e T H I RD sen ten ce after rear -
ran gement?
(1) A (2) B
(3) C (4) D
(5) F
177. Which of th e followin g shou ld be
th e FI RST sen ten ce after rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
178. Which of th e followin g shou ld be
th e SECOND sen ten ce after re-
arran gem en t ?
(1) F (2) E
(3) D (4) C
(5) B
JUMBLED SENTENCES (REARRANGE)
179. Which of th e followin g shou ld be
th e FOURT H sen ten ce after re-
arran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
180. Which of th e followin g shou ld be
th e FI FT H sen ten ce after rear -
ran gement?
(1) F (2) E
(3) D (4) B
(5) A
Di r ect i on s (1 8 1 – 1 8 5 ) : Rear -
ran ge th e followin g six sen ten ces (A),
(B), (C), (D), (E) an d (F) in th e proper
sequ en ce to form a m ean in gfu l para-
graph ; th en an swer th e qu estion s giv-
en below th em .
(A) It is n o won der th at a m ajority of
th ese exclu ded an d low-ach iev-
ers com e from th e m ost deprived
section s of society.
(B) Th ey are precisely th ose wh o are
s u p p o sed t o b e em p o w er ed
throu gh edu cation .
(C) Wi th h eigh t en ed pol it ical con -
sciou sn ess ab ou t th e pli gh t of
th ese to-be-em powered people,
n ever in th e h istory of In dia h as
th e dem an d for in clu sive edu ca-
tion been as ferven t as today.
(D) Th ey eith er n ever en rol or th ey
drop ou t of sch ools at differen t
stages du rin g th ese eigh t years.
(E) Of the nearly 200 million ch ildren
in th e age grou p between 6 an d
14 years, m ore th an h alf do n ot
com plete eigh t years of elem en -
tary edu cation .
(F) Of th ose wh o do com plete eigh t
years of sch oolin g, th e ach ieve-
m en t levels of a large percen t-
age, in lan gu age an d m ath em at-
ics, is u n acceptably low.
(I BPS Speci al i st Of f i ce CWE
Ex am . 11. 03.20 12)
181. Which of th e followin g shou ld be
th e T H I RD sen ten ce after rear -
ran gement?
(1) A (2) B
(3) C (4) D
(5) F
182. Which of th e followin g shou ld be
th e FI RST sen ten ce after rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
183. Which of th e followin g shou ld be
th e SECOND sen ten ce after re-
arran gem en t ?
(1) F (2) E
(3) D (4) C
(5) B
184. Which of th e followin g shou ld be
th e FOURT H sen ten ce after re-
arran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
185. Which of th e followin g shou ld be
th e FI FT H sen ten ce after rear -
ran gement?
(1) F (2) E
(3) D (4) B
(5) A
Di r ect i on s (1 8 6-19 0 ) : Rearrange
th e foll owi n g five sen ten ces (A), (B ),
(C), (D) an d (E) in a proper sequ en ce
so as to form a m ean in gfu l paragraph ,
an d t h en an swer th e qu estion s given
below :
(A) Bu t Gan dh iji stu ck to h is pri n -
ci ples an d d id n ot copy, th u s,
h avin g to face scol din g an d rid i-
cu le after t h e in spector left.
(B) Gan dh iji wrote fou r words cor -
rectly, bu t h e cou ld n ot spell th e
fi fth word 'Ket tle'.
(C) Th e In sp ect or of Sch ools vi sit ed
Gan dh iji’s sch ool.
(D) Havin g n oticed t h at except Gan -
dh iji al l t h e oth er stu d en t s h ad
spelt all th e five words, the teach -
er prom pted Gan dh iji to copy th e
word from h is n eigh bou r’s slate.
(E) He read ou t five En gl ish wor ds
to t h e class an d ask ed all t h e
boys to writ e t h em down .
(I BPS RRBs Of f i ce Assi st an t CWE
Ex am . 09. 09.20 12)
186. Wh ich of th e followin g sh ou ld be
th e LAST (FI FT H ) sen t en ce af-
ter t h e rearran gem en t ?
(1) B (2) A
(3) E (4) D
(5) C
187. Wh ich of th e followin g sh ou ld be
t h e F I R ST sen t en ce aft er t h e
rearran gem en t ?
(1) D (2) B
(3) C (4) E
(5) A
188. Wh ich of th e followin g sh ou ld be
th e T H I RD sen t en ce aft er t h e
rearran gem en t ?

I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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(1) C (2) B
(3) E (4) A
(5) D
189. Wh ich of th e followin g sh ou ld be
th e FOURT H sen t en ce after t h e
rearran gem en t ?
(1) A (2) C
(3) D (4) B
(5) E
190. Wh ich of th e followin g sh ou ld be
th e SECOND sen ten ce aft er t h e
rearran gem en t ?
(1) E (2) B
(3) D (4) C
(5) A
Di r ec t i o n s (1 9 1 -1 9 5 ) : Rear -
ran ge th e followin g six sen ten ces (A),
(B), (C), (D), (E) an d (F) in a proper se-
qu en ce so as t o form a m ean i n gfu l
paragraph, an d th en an swer th e qu es-
tion s given below.
(A) Owin g to th ese difficu lt ies, th e
prospects of th e ban k in g sector
b ec a m e ver y u n c er t a i n an d
cau sed recession .
(B) A progressively growin g balan ce
sh eet, h igh er pace of credit ex-
pan sion , an d focu s on fin an cial
i n cl u si on h ave con t ri b u t ed t o
m ak in g In dian ban k in g vibran t
an d stron g.
(C) However, am idst all th is ch aos
In dia’s ban k in g sector h as been
am on gst th e few to m ain tain re-
silien ce.
(D) In dian ban k s h ave already begu n
to revise th eir growth approach
to tak e advan tage of th ese n ew
opportu n ities.
(E) In th e r ecen t t i m es t h e wor l d
econ om y h as wi t n essed m an y
seriou s difficu lti es, th e p rom i-
n en t of th ese bein g collapse of
ban k in g an d fin an ci al in st it u -
tions.
(F) Th e way forward for th e In dian
ban k s is to in n ovate to tak e ad-
van tage of th e n ew bu sin ess op-
portu n ities an d at th e sam e tim e
en su re continu ou s assessment of
ri sk s.
(I DBI Ban k Of f i cer Ex am .16.09.2012)
191. Wh ich of th e followin g sh ou ld be
th e FOURT H sen ten ce after th e
rearran gm en t ?
(1) A (2) C
(3) D (4) F
(5) B
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
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JUMBLED SENTENCES (REARRANGE)
192. Wh ich of th e followin g sh ou ld be (E) I t s s of t w a r e i n d u s t r y i s t h e
th e SECOND sen ten ce after th e world’s secon d-largest, its tech
rearran gm en t ? ou tsou rcin g accou n ts for m ore
(1) E (2) F th an h alf of th e $ 300 billion glo-
bal in du stry, accordin g to a tech -
(3) D (4) C n ology expert.
(5) A (F) If th e m eetin g of world leaders
193. Wh ich of th e followin g sh ou ld be at Davos is an y in dication , In dia
th e T H I RD sen t en ce aft er t h e is rapidly becom in g an econ om ic
rearran gm en t ? ‘rock star’.
(1) C (2) A (I BPS Ban k PO/ M T CWE
Ex am . 17. 06.20 12)
(3) F (4) D
196. Wh ich of th e followin g sh ou ld be
(5) B
th e SI X T H (LAST ) sen ten ce af-
194. Wh ich of th e followin g sh ou ld be ter th e rearran gem en t ?
th e LAST (SI X T H ) sen ten ce after (1) A (2) B
th e rearran gm en t ?
(3) C (4) D
(1) B (2) D (5) E
(3) C (4) E 197. Wh ich of th e followin g sh ou ld be
(5) F th e T H I RD sen t en ce aft er t h e
195. Wh ich of th e followin g sh ou ld be rearran gem en t ?
th e FI RST sen ten ce after th e re- (1) A (2) B
arran gm en t ? (3) C (4) D
(5) E
(1) D (2) F
(3) C (4) E 198. Wh ich of th e followin g sh ou ld be
(5) A th e FI FT H sen ten ce after th e re-
arran gem en t ?
Direct i ons (19 6–20 0) : Rearrange
(1) A (2) B
the followin g six senten ces (A), (B), (C),
(D), (E) an d (F) in th e proper sequ en ce (3) C (4) F
to form a m ean in gfu l paragraph ; th en (5) E
an sw er t h e qu est i on s gi ven b el ow 199. Wh ich of th e followin g sh ou ld be
them . th e FI RST sen ten ce after th e re-
arran gem en t ?
(A) If Ch i n a is th e world’s factory,
(1) F (2) B
In d i a h as b ecom e t h e wor l d ’s
ou tsou rcin g cen tre – k eepin g in (3) C (4) A
lin e with th is im age. (5) E
(B) Bu t In dia’s fu tu re depen ds cru - 200. Wh ich of th e followin g sh ou ld be
th e SECOND sen ten ce after th e
cially on its ability to compete fu lly
rearran gem en t ?
in the Creative Economy - not ju st
(1) A (2) B
in tech an d software, bu t across
d esi gn an d en t r ep r en eu r sh i p ; (3) C (4) D
arts, cu ltu re an d en tertain m en t; (5) F
and the k n owledge-based profes- Di r ec t i o n s (2 0 1 –2 0 5 ) : Rear -
sion s of m edicin e, fin an ce an d ran ge th e followin g sen ten ces (A), (B),
law. (C), (D), (E) an d (F) to m ak e a m ean ing-
fu l paragraph an d an swer th e qu es-
(C) Wh ile its creative assets ou tstrip tion s wh ich follow:
th ose of oth er em ergin g com pet-
(I BPS Bank PO/ M T CWE-I I I
itors, In dia m u st address sever -
Ex am . 26 .10.20 13)
al ch allen ges to in crease its in -
(A) H ow ever wh i l e r ead i n g t h ey
tern at ion al com peti tiven ess as
wou ld n ot k n ow when to pau se
th e worl d i s in t h e m i dst of a
an d wh at to em ph asize.
sweepin g tran sformation .
(B) Sin ce th en th eir u se h as been
(D) Th is tran sform ation is evident in regu larized and the pu nctu ation
th e fact th at th e world is m ovin g ru les h ave been followed by all.
from an in du strial econ om y to a (C) In earlier days, people learn t by
Creative Econ om y th at gen erates readin g ou t lou d.
wealth by h arn essin g in tellectu - (D) B u t n ot ever yb od y u sed t h e
al labou r, in tan gible goods an d sam e p u n ct u at i on s for t h e
h u man creative capabilities. sam e th in g.
-140-

(E) To address th is problem , vari-
ou s si gn s d ep i ct i n g var i ou s
pu nctu ation s were in trodu ced.
(F) Th u s firm er gu idelin es regard-
in g pu n ctu ation s were fram ed
so th at everyon e u sed th em in
sim ilar way.
201. Wh ich of th e followin g sen ten c-
es sh ou ld be th e SECOND after
rearran gem en t ?
(1) A (2) B
(3) D (4) E
(5) F
202. Wh ich of th e followin g sen ten c-
es sh ou l d be t h e T H I RD after
rearran gem en t ?
(1) A (2) E
(3) D (4) F
(5) C
203. Wh ich of th e followin g sen ten c-
es sh ou ld be th e FI FT H after re-
arran gem en t ?
(1) B (2) C
(3) A (4) E
(5) F
204. Wh ich of th e followin g sen ten c-
es sh ou ld be th e SI X T H (LAST )
after rearran gem en t ?
(1) C (2) E
(3) D (4) B
(5) F
205. Wh ich of th e followin g sen ten c-
es sh ou ld be th e FI RST after re-
arran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
Di r ect i on s (2 0 6 –2 1 0 ) : Rear -
range the following seven sentences (A),
(B), (C), (D), (E), (F) and (G) in the proper
sequ en ce to form a m ean in gfu l para-
graph ; th en an swer th e qu estion s giv-
en below th em .
(I n di an Ov er seas Ban k PO
On l i n e Ex am . 01.09.2013)
(A) Bu t seriou sly, h ow mu ch wou ld
you pay to k n ow wh at th ou ghts
are swim m in g arou nd in some-
on e else’s h ead ?
(B) In m ost fiction al m ovies th u s,
th e idea of readin g m in ds - of
seein g th e private in ten tion s of
an oth er, an d th e possibility of
in terven in g in th ose plan s —
h as always been h igh ly attrac-
tive
(C) Su ch fan tastical qu estions have
lon g been th e bread an d bu tter
of fiction .
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
JUMBLED SENTENCES (REARRANGE)
(D) Today, m ore th an fou r cen tu -
ries sin ce th e ph rase, “A pen -
n y for you r th ou gh ts ?”, was
first recorded, in flation ary ac-
cou n t in g m ak es th at an cien t
pen n y worth m ore th an $40.
(E) Th e goin g rate for a “th ou gh t” -
a p r ob e i n to th e t h in k in g of
an oth er - was on ce qu ite a bar -
gain.
(F) An d i f you cou ld really k n ow
th eir tru th fu ln ess h ow m u ch
m ore wou ld you pay?
(G) Even with th e slid in g val u e of
th e dollar, th is still seems qu ite
a bar gai n .
206. Wh ich of th e followin g sh ou ld
be th e SECOND sen ten ce aft er
rearran gem en t?
(1) F (2) D
(3) C (4) G
(5) A
207. Wh ich of th e followin g sh ou ld
be th e FOURT H sen ten ce aft er
rearran gem en t?
(1) A (2) B
(3) G (4) D
(5) F
208. Wh ich of th e followin g sh ou ld
be th e SI X T H sen ten ce after re-
arran gem en t?
(1) E (2) G
(3) C (4) B
(5) A
209. Wh ich of th e followin g sh ou ld
b e t h e SEVENT H (L ast ) sen -
ten ce after rearran gem en t?
(1) A (2) B
(3) F (4) D
(5) E
210. Wh ich of th e followin g sh ou ld
be th e FI RST sen t en ce after r e-
arran gem en t?
(1) A (2) B
(3) C (4) D
(5) E
Di r ec t i o n s (2 1 1 –2 1 5 ) : Rear -
ran ge th e followin g five sen ten ces (A),
(B ), (C), (D ) an d (E) in th e pr oper se-
qu en ce to for m a m ean i n gfu l para-
graph ; t h en an swer th e qu esti on s giv-
en below th em .
(BOB M an i pal Sch ool of Ban k i n g
Of f i c er On l i n e Ex am , 1 4. 08. 201 4)
(A) Ou r baselin e stu dy in cou ple of
di stri cts wi th l ower sex selec-
ti on t h an th e n ation al average,
revealed th at com m u n ity m em -
b er s h a v e n o r ega r d f o r
women’s righ ts lik e right to edu -
cation , rep rod u ct ive ri gh t s.
(B) B r ea k t h r o u gh c o m m en c ed
work i n t h e stat e on gen der b i-
ased sex sel ect ion in 201 2 an d
in th at year cen su s had poin ted
t h at t h er e wer e 8 7 9 gi r l s t o
10 00 i n t h e stat e.
(C) Even tu ally, we wou ld lik e to re-
du ce discrim ination again st th e
gi rl ch il d.
(D) Th e i n it iat ive is again st gen d er
bi ased sex selecti on , wh i ch is
di scr im in atory an d part of so-
ci al an d econ om ic issu es.
(E) At th ese destin ations, th e locals
wh o have been fighting discrim i-
n ati on agai n st wom en wi th in
th eir fam ilies com m u n ities an d
villages an d citi es, will be tu rn -
i n g u p an d su p p or t i n g ou r
intitative.
211. Which of th e followin g sh ou ld be
t h e f i r st sen t en ce aft er r ear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
212. Wh ich of th e followin g sh ou ld be
th e secon d sen ten ce after rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
213. Wh ich of th e followin g sh ou ld be
th e t h i r d sen t en ce aft er r ear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
214. Wh ich of th e followin g sh ou ld be
th e f ou r t h sen ten ce after rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
215. Wh ich of th e followin g sh ou ld be
the last sen tence after rearran ge-
m en t ?
(1) A (2) B
(3) C (4) D
(5) E
Di r ec t i o n s (2 1 6 –2 2 0 ) : Rear -
ran ge th e foll owi n g six sen ten ces (A),
(B ), (C), (D ), (E) an d (F) i n t h e p rop er
sequ en ce to form a m ean i n gfu l par a-
graph ; t h en an swer th e qu esti on s giv-
en below th em .
-141-

(A) Sp ecu lat ion s on fu tu r e even ts
in th e epid em iol ogy, evolu ti on ,
and biological expression of den-
gu e ar e p resen ted.
(B) At th e root of t h e em ergen ce of
den gu e as a m aj or h ealth prob-
lem are ch an ges i n h u m an d e-
m ograph y an d b eh avior, lead-
in g t o u n ch eck ed pop u lation s
of an d in creased ex posu r e to
th e prin cipal dom estic m osqu i-
to vector, Aed es aegyp ti. Viru s-
sp ecified factor s also in flu en ce
th e epidem iology of den gu e.
(C) Th e r i sk of sequ en t i al i n fec-
tion s, an d con sequ en tly th e in -
ci den ce of D HF, h as r isen dr a-
m at icall y, fi rst in Asia an d n ow
in th e Am er icas.
(D) A severe for m , den gu e h em or -
rh agic fever (DHF), is an im m u -
n opath ologic disease occu rrin g
in person s wh o exp eri en ce se-
qu en tial den gu e in fection s.
(E) In th e last 20 years th e in ci-
den ce of den gu e fever ep idem -
ics h as in creased an d h yper -
endemic tran smission h as been
established over a geographical-
ly exp an d in g area.
(F) Den gu e viru ses are m em bers of
t h e Fl avi vi r i d ae, t r an sm i t t ed
pr in cipally in a cycl e i n volvi n g
h u m an s an d m osqu ito vectors.
(I BPS Bank PO/ M T CWE-I V
Ex am , 18.10 .2014)
2 1 6 . Wh ich of th e followin g sh ou ld be
t h e F i r st sen t en ce aft er r ear -
ran gem en t ?
(1) A (2) B
(3) C (4) E
(5) F
2 1 7 . Wh ich of th e followin g sh ou ld be
t h e T h i r d sen t en ce aft er r ear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
2 1 8 . Wh ich of th e followin g sh ou ld be
th e Last sen ten ce after rearran ge-
m en t ?
(1) A (2) B
(3) C (4) D
(5) E
2 1 9 . Wh ich of th e followin g sh ou ld be
th e Fo u r t h sen ten ce after rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
JUMBLED SENTENCES (REARRANGE)
2 2 0 . Wh ich of th e followin g sh ou ld be (3) C (4) D
th e Secon d sen ten ce after rear - (5) E
ran gem en t ? 2 2 4 . Wh ich of th e followin g sh ou ld be
(1) A (2) B t h e F i f t h sen t en ce aft er r ear -
(3) C (4) D ran gem en t ?
(5) E (1) A (2) B
(3) C (4) D
Di r ec t i o n s (2 2 1 –2 2 5 ) : Rear -
ran ge th e foll owi n g six sen ten ces (A), (5) F
(B ), (C), (D ), (E) an d (F) i n t h e p rop er 2 2 5 . Wh ich of th e followin g sh ou ld be
sequ en ce to form a m ean i n gfu l par a- t h e T h i r d sen t en ce aft er r ear -
graph ; t h en an swer th e qu esti on s giv-
ran gem en t ?
en betow th em . (1) A (2) B
(SI DBI Ban k Of f i c er Ex am ,
(3) C (4) D
03 .0 9.2 01 4)
(5) E
(A) Faced wit h a ch oi ce b et ween
Di r ec t i o n s (2 2 6 –2 3 0 ) : Rear -
th e crown an d h is love, Edward
ran ge th e foll owi n g six sen ten ces (A),
VIII ch ose t o step down .
(B ), (C), (D ), (E) an d (F) i n t h e p rop er
(B) The Kin g’s m arriage to Sim pson sequ en ce to form a m ean i n gfu l par a-
al so r ai sed t h e p ossib i l i t y of graph ; t h en an swer th e qu esti on s giv-
an Am eri can Qu een ,asacril e- en below th em .
giou s id ea i n t h e eyes of h i s
(Ban k of Bar od a J un i or M an agem en t
su bject s. Gr ad e/ Scal e-I Ex am , 18 .0 4.2 01 5)
(C) Si m pson ’s fi rst di vor ce p roved (A) Bu t t h e con ven t ion al wisd om is
even m or e p rob lem ati c— i t was wron g,
granted based on “emotional in - (B) Th e assu m p tion i s th at plan t in g
com p at i b i l i t y,” an d m ay n ot trees and avoidin g fu rther defor -
h ave b een r ecogn i zed u n d er estat ion provid es a con ven ien t
both Ch u rch an d En gl ish law. carbon captu re an d st orage fa-
(D) As th e h ead of th e Ch u r ch of ci lit y on t h e lan d.
E n gl an d , E d w ar d cou l d n ot (C) Con sideri n g all th e in ter action s,
m arry a divorced wom an wh ose l arge-scal e i n cr eases i n forest
form er h u sban d (let alon e h u s- cover can actu ally m ak e glob al
ban ds) rem ain ed alive. warm i n g worse.
(E) A Kin g of t h e Un i ted Ki n gd om (D) Deforestation accou n ts for abou t
of Gr eat Br itai n an d Nor th ern 20 percen t of glob al em ission s
I r el a n d b ei n g w ed d ed t o a of car bon di oxid e.
twice-divorced American social-
(E) That is the con ven tional wisdom .
it e wou ld h ave cau sed a fu ror.
(F) In realit y, th e cyclin g of carbon ,
(F) Seven ty-seven year s ago, in a en ergy an d water between th e
m ov e u n p r ec ed en t ed si n c e lan d an d at m osph ere is m u ch
t h e G l or i o u s Rev ol u t i on o f m or e com plex.
1 6 8 8, Ki n g-Em p er or Ed war d
226. Wh ich of th e followin g sh ou ld be
VIII abd icated th e th ron e.
se c o n d sen t en ce a ft er r ear -
2 2 1 . Wh ich of th e followin g sh ou ld be ran gem en t?
t h e F i r st sen t en ce aft er r ear -
(1) A (2) B
ran gem en t ?
(3) C (4) D
(1) A (2) B
(5) F
(3) C (4) E
227. Wh ich of th e followin g sh ou ld be
(5) F
t h i r d sen t en ce after rearr an ge-
2 2 2 . Wh ich of th e followin g sh ou ld be men t?
th e Last sen ten ce after rearran ge- (1) A (2) B
m en t ?
(3) F (4) D
(1) A (2) B
(5) E
(3) C (4) E
228. Wh ich of th e followin g sh ou ld be
(5) F fou r t h sen ten ce after rearran ge-
2 2 3 . Wh ich of th e followin g sh ou ld be men t?
th e Fo u r t h sen ten ce after rear - (1) A (2) B
ran gem en t ?
(3) C (4) E
(1) A (2) B
(5) D
-142-
 JUMBLED SENTENCES (REARRANGE)
229. Wh ich of th e followin g sh ou ld be (1) A (2) C 9. Wh i ch of th e followin g sh ou ld be
fi r st sen ten ce after rear ran ge- (3) D (4) F the fi r st senten ce after rearran ge-
men t? (5) G men t?
(1) A (2) B 5. Wh ich of th e foll owin g will be th e (1) A (2) B
(3) C (4) D LAST sen t en ce? (3) D (4) C
(5) E (1) D (2) E (5) E
230. Wh ich of th e followin g sh ou ld be (3) F (4) A 10. Wh i ch of th e followin g sh ou ld be
l ast (si x t h ) sen ten ce after rear - th e secon d sen ten ce after rear -
(5) C
ran gem en t? ran gem en t?
Di r ec t i o n s (6 -1 0 ) : Rear ran ge t h e
(1) A (2) F (1) B (2) G
followin g seven sen ten ces A, B, C, D,
(3) C (4) D (3) D (4) E
E, F an d G i n t h e proper sequ en ce to
(5) E form a mean in gfu l paragraph, then an - (5) F
swer th e qu estion s given below t h em : Di r ec t i o n s (1 1 -1 5 ) : Rearr an ge
SBI PO EXAMS (A) Th e h i stor y of th at syst em is, the followin g six senten ces (A), (B), (C),
(D), (E), an d (F) in the proper sequ en ce
however, a warn in g than a stim u -
Di r ec t i o n s (1 -5 ) : Rearr an ge t h e to form a m ean in gfu l paragraph ; t h en
l u s t o r eo r gan i s e a s i m i l a r
followin g seven sen ten ces A, B, C, D, an sw er t h e qu est i on s gi ven b el ow
sch em e.
E, F an d G i n t h e proper sequ en ce to them .
form a m ean i n gfu l p ar agraph ; th en (B) H owever, we can n ’t resign ou r -
(A) Th e grou p of Egyptian s provided
an sw er t h e qu est i on s gi ven b el ow selves m erel y becau se th er e are
an swer s t o all h is qu estion s as
them . n o dat a.
t h ey w er e i m p r essed b y t h e
(A) I n o t h er w o r d s , f l oo d s a n d (C) O n e o f t h e co m m o n est r i s k visit or’s k een ob ser vati on an d
,drou ghts are bu ilt in to the cou n- which agricu ltu ral life is exposed in tellectu al cu riosity.
tries m on soon al ecol ogy. to in th i s cou n t ry is fam i n e or (B) Fr om t im e to tim e h e glan ced at
(B) “It p ou r s cat s an d d ogs” th ey failu re of crop s. t h e m ap i n h i s gu i d e b ook t o
said. (D) Th ere are, h owever, n o rel iab le m ak e su r e th at h e was followin g
(C) In th e r em ain in g 8 ,6 60 h ou r s data on wh ich su ch a sch em e of th em accu rat ely.
th ere is h ardly an y precipitation . in su r an ce can b e b ased. (C) All th ese effor t s wer e d i rected
(D) If t h e r ai n i s n ot cau gh t an d (E) A k ind of Fam ine In su ran ce Sys- towar ds h is goal t o writ e a book
st ored, it wil l be im possib le to tem was attem pt ed by th e Bri t- on th e variou s places h e saw an d
li ve i n t h is cou n tr y. ish Gover n m en t of In d ia i n t h e th e peopl e h e m et.
(E) Bu t m ost of it pou rs down in a last cen tu r y. (D) On on e b r i gh t d ay, a fam ou s
m ere h u n dred h ou r s. (F) Still, th e n eed for su ch a sch em e traveller and writer from th e west
(F) In dia get s m ore rai n an n u ally - to cover th e losses du e to fam - was listen in g to a grou p of Egyp-
1,100 m m , on an average- th an in e, cattle plagu e crop pests, etc. ti an s wh o descr ibed t o h i m t h e
an y oth er p art of th e worl d. can n ’t be u n derm in ed. won ders of th eir cou n tr y.
(G) Wh en t h e Bri tish cam e to In di a, (G) It is obviou sl y becau se of fail u re (E) Back in h is room h e i n du str i-
th ey were st ru ck b y t h e am ou n t of rain an d th e con sequ en ce is ou sly set d own h is facts an d h is
it rai n ed h er e. starvation . im pressi on s in an elabor ate fi le
(SBI Assoc i at e Ban k s PO (SBI Ban k s PO Ex am . 2 0. 08. 200 0)
of n otes.
Ex am . 1 6. 0 7. 20 00 ) (F) Repeatedl y h e i n terru pted wi th
6. Wh i ch of th e followin g sh ou ld be
1. Wh ich of th e foll owin g will be th e perti n et qu esti on s ab ou t Egyp-
th e fo u r t h sen ten ce after rear -
FIRST sen ten ce? ti an an t iqu ites or local cu stom s
ran gem en t?
(1) G (2) A or th e latest crisi s i n t h e M idd le
(1) A (2) B East.
(3) C (4) D (3) C (4) D (SBI PO Ex am . 0 9.0 1. 200 5)
(5) F (5) E 11. Wh ich of th e fol lowin g wou ld be
2. Wh ich of th e foll owin g will be th e 7. Wh i ch of th e followin g sh ou ld be th e FI RST sen ten ce aft er rear -
SECOND sen t en ce? ran gem en t ?
th e si x t h sen t en ce i n t h e par a-
(1) C (2) D graph ? (1) A (2) F
(3) F (4) G (1) E (2) D (3) C (4) D
(5) B (3) B (4) C (5) E
3. Wh ich of th e foll owin g will be th e (5) A 12. Wh i ch of th e followin g wou ld th e
FOURTH sen t en ce? F OURT H s en t en c e a f t er
8. Wh i ch of th e followin g sh ou ld be
(1) F (2) C rearr an gem et ?
th ere in th e t h i r d position in th e
(3) E (4) F paragraph ? (1) A (2) B
(5) D (1) B (2) C (3) C (4) D
4. Wh ich of th e foll owin g will be th e (3) D (4) E (5) E
FIFTH sen ten ce?
(5) F
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-143-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
 JUMBLED SENTENCES (REARRANGE)
13. Wh ich of th e fol lowin g wou ld be (3) D (4) C 23. Wh ich of th e followin g wi ll b e t h e
th e LAST (SI X T H ) sen ten ce after (5) B SI X T H sen ten ce ?
rearr an gem et ? 18. Wh i ch of th e followin g sh ou ld be (1) B (2) C
(1) A (2) B th e FOURT H sen t en ce after r e- (3) A (4) D
(3) C (4) D arran ge-m en t ? (5) E
(5) E (1) F (2) E 24. Wh ich of th e followin g wi ll b e t h e
14. Wh ich of th e fol lowin g wou ld be (3) D (4) C FOURT H sen ten ce ?
th e SECOND sen t en ce after r e- (5) B (1) D (2) E
arr an gem en t ? 19. Wh i ch of th e followin g sh ou ld be (3) A (4) B
(1) A (2) B th e FI FT H sen ten ce after rear - (5) G
(3) F (4) D ran gem en t ? 25. Wh ich of th e followin g wi ll b e t h e
(5) E (1) F (2) E T H I RD sen ten ce ?
15. Wh ich of th e fol lowin g wou ld be (3) D (4) C (1) H (2) E
th e FI FT H senten ce after rearran- (5) B (3) G (4) C
gem et ?
20. Wh i ch of th e followin g sh ou ld be (5) A
(1) A (2) B th e SI X T H (L AST ) sen t en ce af- Di r ect i on s (2 6 -3 0 ) : Rearr an ge
(3) C (4) D ter r ear r - an gem en t ? the followin g six senten ces (A), (B), (C),
(5) E (1) F (2) E (D), (E) an d (F) in th e proper sequ en ce
Di r ect i on s (1 6–20 ) : Rearran ge th e (3) D (4) C to form a m ean in gfu l paragraph ; t h en
followin g six sen tences (A), (B), (C), (D), (5) B an sw er t h e qu est i on s gi ven b el ow
(E) an d (F) in th e proper sequ en ce to them .
Di r ec t i o n s (2 1 –2 5 ) : Rearr an ge
form a m ean i n gfu l p ar agraph ; th en (A) Th e i n su r an ce p oli cy h as to
th e foll owin g eigh t sen t en ces (A), (B ),
an sw er t h e qu est i on s gi ven b el ow be deposited with NABARD.
(C), (D ), (E), (F), (G) an d (H) i n th e
them . (B) I in t en d to pu rch ase a trac-
proper sequ en ce to form a m ean in gfu l
(A) Th e application of econ om ic, en - p r a r a gr a p h ; t h en a n s w er t h e tor and certain oth er agricu l-
viron men tal an d con su m er pres- qu est ion s gi ven below th em . tu ral equ ipm en ts.
su res h ave b een on an in crease (C) I sh all t h er efore feel ob liged
(A) Bu t I always felt som ewh ere
in recen t year s. if you sen d you r r epr esen -
in my m in d th at I loved acting.
(B) As a r esu lt, ou r agro-food pr o- tative t o i n sp ect th e equ i p-
(B) He n ever wan ted m e to be an
d u ct i on a n d t ech n ol ogy a r e m en ts.
actor, as h e di dn 't l ook u p on
am on gst th e m ost advan ced in (D) I sh all b e appl yin g for a loan
t h ea t r e o r act i n g as
th e worl d. of Rs. six lak h s from NAB-
respectab le vocation .
(C) Th ey are th u s able to provide ex- ARD for t h at pu r pose.
pertise an d tech n ology to satisfy (C) Firstly, th ere was n o tradition
of th eatr e i n m y-fam il y. (E) On com pl eti on , you r r epr e-
th e n eeds of agro-food pr odu c- sen tat ive m ay k in dly in form
tion. (D) I am t al k i n g sp eci fi cal l y of
m e of th e an n u al i n su ran ce
(D) In tu r n , th e su p por t i n du stri es actin g, n ot th eatre in gen eral.
premiu m .
h ave developed to an equ ally ad- (E) M y p a r en t s w er e o l d -
(F) Th e ru les state that the equ ip-
van ced stat e. fash i on ed.
m en t s h ave t o b e i n su r ed
(E) Th ey h ave also equ ipp ed th em - (F) I wil l an swer all you r qu eri es again st acci den ts an d fir e.
selves wit h th e n ecessary ex per - a l ittle elab orately. (SBI PO Pr el i m i n ar y (Ti r e-I )
ti se to sati sfy th e m ost exacti n g (G) L et al on e t h eat r e, ar t s i n Ex am . 2 7. 04. 200 8)
r equ i r em en t s of t h e over seas gen er a l h a d n o p l a c e o f 26. Wh ich of th e foll owin g will be th e
m ark et s. respect i n m y fam il y. SI X T H (L AST ) sen t en ce after r e-
(F) Th ese have greatly influ en ced th e (H) My fath er was a gover n m en t arr an gem en t ?
devel opm en t of th e agricu ltu re ser van t . (1) A (2) B
an d food in du stries in ou r cou n - (SBI Associ at e Ban k s PO
(3) C (4) D
tr y. Ex am . 0 7. 01. 200 7)
(5) E
(SBI PO Ex am . 2 6.1 1. 200 6) 21. Wh ich of th e followin g wi ll b e t h e
27. Wh ich of th e foll owin g will be th e
16. Wh i ch of th e followin g sh ou ld be LAST sen ten ce |
F OURT H sen t en ce aft er r ear -
th e SECOND sen t en ce after r e- (1) G (2) C ran gem en t ?
arran ge-m en t ? (3) H (4) D (1) A (2) B
(1) F (2) E (5) E (3) C (4) D
(3) D (4) C 22. Wh ich of th e followin g wi ll b e t h e (5) E
(5) B FI RST sen ten ce ?
28. Wh ich of th e foll owin g will be th e
17. Wh i ch of th e followin g sh ou ld be (1) A (2) B FI FT H sen ten ce after rearran ge-
th e T H I RD sen ten ce after rear - (3) D (4) C ment ?
range-m en t ?
(5) F (1) A (2) B
(1) F (2) E
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-144-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
 JUMBLED SENTENCES (REARRANGE)
(3) C (4) D (1) A (2) B 37. Wh ich of th e followin g sen ten ces
(5) E (3) C (4) D sh ou ld be th e T H I RD after r e-
29. Wh ich of t h e fol l owi n g wi l l b e (5) E arr an gem en t ?
SE COND sen t en ce aft er r ear - 34. Wh ich of th e followin g sh ou ld be (1) A (2) E
ran gem en t ? SI X T H (last) stat em en t after r e- (3) D (4) F
(1) A (2) B arr an gem en t ? (5) C
(3) C (4) D (1) A (2) B 38. Wh ich of th e followin g sen ten ces
(5) E (3) C (4) D sh ou ld be th e SI X T H (L AST ) af-
30. Wh ich of th e foll owin g will be th e (5) E ter r ear ran gem en t ?
FI RST sen t en ce after rearr an ge- 35. Wh ich of th e followin g sh ou ld be (1) A (2) B
ment ? th e T H I RD st atem en t after r e- (3) C (4) E
(1) A (2) B arran gem en t ? (5) F
(3) C (4) D (1) A (2) B 39. Wh ich of th e followin g sen ten ces
(5) E (3) C (4) D sh ou ld be th e SECOND after r e-
Di r ect i on s (3 1 –3 5 ) : Rear ran ge (5) E arr an gem en t ?
the followin g six senten ces (A), (B), (C), Di r ec t i o n s (3 6 –4 0 ) : Rearr an ge (1) A (2) B
(D), (E) an d (F) in th e proper sequ en ce th e foll owi n g sen ten ces (A), (B), (C), (3) C (4) E
to form a m ean in gfu l paragraph ; t h en (D ), (E) an d (F) to m ak e a m ean i n gfu l (5) F
an sw er t h e qu est i on s gi ven b el ow paragr aph an d th en an swer th e qu es- 40. Wh ich of th e followin g sen ten ces
them . ti on s wh ich follow: sh ou ld be th e FI FT H after rear -
(A) To pr opose th e idea of b ecom - (A) Accor din g to it , organ ized r etail ran gem en t ?
in g p erfect ed is n ot th e sam e as stores are n ot wolves at the doors (1) D (2) B
sayi n g t h at we h u m an b ei n gs of fr ien d ly n ei gh b ou r h ood gr o- (3) C (4) E
can be perfect. cery stores as th ere is room for
(5) F
(B) It on l y m ean s th at we are cap a- ex pan sion of bot h .
Di r ec t i o n s (4 1 –4 5 ) : Rearr an ge
b l e of l ear n i n g, ch an gi n g an d (B) Man y h ave been cryin g fou l over
th e foll owi n g sen ten ces (A), (B), (C),
gr owi n g t h rou gh ou t th e sp an of t h e en t r y of or gan i zed r et ai l
(D ), (E) an d (F) to m ak e a m ean i n gfu l
ou r earth ly life. st ores ex pressi n g con cern over
paragr aph an d th en an swer th e qu es-
(C) Learn in g is a p rocess th at b e- th eir im pact on sm all store own -
ti on s wh ich fol low :
gin s at birth an d last s til l death . er s.
(A) Wh i l e t h ese d i sad van t ages of
(D) Th is developm en t th r ou gh u n - (C) Th e fi n al win n er in th e com pet i-
biofu els are seriou s, th ey are th e
der -st an d in g n ew th in gs, t ran s- t i on , h owever, is t h e com m on
on ly altern ate en er gy sou r ce of
form in g and developing th rou gh t m an wh o gets to ch oose between
the fu tu re an d th e soon er we fin d
m ay b e con sider ed as th e per - th e m ost su itabl e option s an d in
solu ti on s to th ese problem s t h e
fecti on of sou l. tu rn figh t s wi th t h e r u n away i n -
fast er we wi ll b e ab le t o solve
(E) Gi ven th at we are h er e t o con t i- flation in prices of essen tial com -
th e p robl em s we ar e n ow faci n g
n u all y learn on th e j ou rn ey of m odities.
with gasolin e.
li fe, it seem s th at t h e u lt im ate (D) In sp ite of th i s poten tial for ex-
(B) Th is fu el can also h elp to st im u -
goal of learn in g is t h e perfecti on pan si on , it is dou btl ess th at t h e
late job s l ocally sin ce th ey are
of ou r sou ls sm all store own ers face a declin e
al so m u ch safer to h an dle th an
(F) Nor t h at we sh ou ld be perfect in in pr ofi t i n i n iti al years if orga-
gasol in e an d can t h u s h ave t h e
everyt h in g. n i zed retai ler s set u p stor es in
poten tial to tu rn arou n d a gl obal
(SBI PO Pr el i m i n ar y (Ti r e-I ) th e vicin it y.
econ om y.
Ex am . 2 7. 07. 200 8) (E) Bu t a st u dy con du cted over a
(C) Th ese i n clu d e d epen d en ce on
31. Wh ich of th e followin g sh ou ld be period of two years goes a lon g
fossi l fu els for th e m ach in er y re-
th e SECOND statem en t aft er r e- way towards allayin g th ese fears.
qu ired to pr odu ce b iofu el wh i ch
arran -gem en t ? (F) Th is i m pact, h owever, wear s off en ds u p pollu tin g as m u ch as the
(1) A (2) B on ce th ey learn to tak e on t h e bu rn i n g of fossil fu els on roads
(3) C (4) D com petit ion wh i ch in tu r n en - an d ex orb itan t cost of biofu els
h an ces effi cien cy all ar ou n d. wh ich m ak es it ver y d iffi cu l t for
(5) E
(SBI Assoc i at es Ban k Po th e com m on m an to swit ch to
32. Wh ich of th e followin g sh ou ld be
Ex am . 0 7. 03. 201 0) th is option .
th e FI RST st atem en t after rear -
36. Wh ich of th e followin g sen ten ces (D) Th is t u rn arou n d can poten t ially
ran gem en t?
sh ou ld be th e FI RST after rear - h elp to bri n g worl d p eace an d
(1) A (2) B
ran gem en t ? en d t h e n eed to depen d on for -
(3) C (4) D
(1) A (2) B ei gn cou n t r i es for en er gy r e-
(5) E qu irem en ts.
(3) C (4) D
33. Wh ich of th e followin g sh ou ld be (E) B i ofu el s ar e m ad e fr om p l an t
(5) E
th e FI FT H st atem en t after rear - sou r ces an d sin ce th ese sou r ces
ran gem en t?
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-145-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310

ar e avail abl e i n abu n dan ce an d
can be rep rod u ced on a m assi ve
scale th ey form an en ergy sou rce
th at is poten tially u n lim ited.
(F) H ow ever ever yt h i n g i s n ot as
gr een wi t h t h e b i ofu el s as i t
seem s as th ere are n u m er ou s
disadvan tages in volved wh ich at
ti m es oversh adow th eir positi ve
im pact.
(SBI & Rur al Busi n ess PO
Ex am . 1 8. 04. 201 0)
41. Wh ich of th e followin g sen ten ces
sh ou ld be th e FI FT H after rear -
ran gem en t ?
(1) A (2) B
(3) C (4) E
(5) F
42. Wh ich of th e followin g sen ten ces
sh ou ld be th e T H I RD after r e-
arr an gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
43. Wh ich of th e followin g sen ten ces
sh ou ld be th e FI RST after rear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
44. Wh ich of th e followin g sen ten ces
sh ou ld be th e SI X T H (L AST ) af-
ter r ear ran gem en t ?
(1) A (2) C
(3) D (4) E
(5) F
45. Wh ich of th e followin g sen ten ces
sh ou ld be th e SECOND after r e-
arr an gem en t ?
(1) A (2) B
(3) D (4) E
(5) F
Di r ect i on s (4 6 -5 0 ) : Rearran ge th e
followin g six sen tences (A), (B), (C), (D),
(E) an d (F) in th e proper sequ en ce to
form a m ean i n gfu l p ar agraph ; th en
an sw er t h e qu est i on s gi ven b el ow
them .
(A) It s p r eval en ce refl ect s ver y
badly on a soci ety th at i s n ot
ab le to stop th is evi l.
(B) Th ou gh el im i n at ion of ch i ld
labou r i s an i m possi ble task
con si deri n g th e cu rren t so-
ci o- ec on o m i c sc en a r i o of
th ese p oor fam i lies, th e In di-
an gover n m en t i s com m itt ed
to th e t ask of en su r in g th at
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
JUMBLED SENTENCES (REARRANGE)
n o ch il d r em ai n s i ll i ter ate,
h u n gr y an d with ou t m edical
care.
(C) Th erefor e, u n l ess th e soci o-
econ om ic statu s of th e poor
fam i li es i s im p roved , In di a
h as t o li ve wit h ch il d labou r.
(D) Th e m em bers of these h ou se-
h olds h ave to sen d th eir ch il-
dr en to wor k , even if th e fu -
tu re of th ese in n ocen t ch i l-
dr en is r u in ed, as th at i s t h e
on ly ch oice op en for th em to
su rvi ve in th i s worl d.
(E) Ch ild labou r is, n o dou b t, an
evil th at sh ou ld be done away
wi th at t h e earl iest.
(F) Bu t i n a societ y wh ere m an y
h ou seh olds m ay h ave to su f-
fer th e pan gs of h u n ger if t h e
ch ild ren are wi th d rawn fr om
work , beggars can ’t be ch oos-
er s.
(SBI Assoc i at e Ban k s PO
Ex am . 0 7. 08. 201 1)
46. Wh ich of th e followin g sh ou ld be
th e FIRST sen ten ce after rear -
ran gem en t ?
(1) A (2) E
(3) C (4) F
(5) D
47. Wh ich of th e followin g sh ou ld be
th e THIRD sen t en ce after r e-
arr an gem en t ?
(1) B (2) A
(3) C (4 ) F
(5) E
48. Wh ich of th e followin g sh ou ld be
th e SECOND sen ten ce aft er
rearran gem en t ?
(1) A (2) F
(3) D (4) B
(5) C
49. Wh ich of th e followin g sh ou ld
be th e FIFTH sen ten ce after r e-
arr an gem en t ?
(1) E (2) A
(3) F (4) C
(5) D
50. Wh ich of th e followin g sh ou ld
be th e SIXTH (LAST) sen ten ce
after rearran gem en t ?
(1) A (2) C
(3) E (4) D
(5) B
Di r ect i on s (5 1 –5 5 ) : Rear ran ge
th e followin g six sen ten ces (A), (B) (C),
(D), (E) an d (F) in th e proper sequ en ce
to form a m ean in gfu l paragraph ; t h en
an sw er t h e qu est i on s gi ven b el ow
them .
(SBI Pr obat i on ar y Of f i cer
Ex am 2 8 .0 4 .2 0 13 )
(A) Th e gr ou p d esi r ed t o en -
hance th e learn in g experien ce
in sch ools with an in teractive
digital m ediu m th at cou ld be
u sed with in an d ou tsid e t h e
cl ass room .
(B) Th en th e teach er can act on
th e d own loaded dat a r ath er
th an col lect it fr om each an d
ever y st u d en t an d t h er eb y
save h is ti m e an d effor t.
(C) Ed u tor, decided t h e grou p of
en gin eer s, all al u m n i of t h e
In dian In st itu t e of t ech n ol o-
gy, wh ere t h ey fou n d ed Edu -
tor Tech n ologi es i n Au gu st
200 9.
(D) Th ey can even tak e tests an d
su bm i t th em digitally u si n g
t h e sam e t ab l et s an d t h e
teach ers in tu r n can down -
load th e tests u sin g th e com -
pan y’s clou d services.
(E) Wi th th i s d esi re th ey creat-
ed a sol u ti on t h at d igit izes
sch ool texts book s an d ot h er
learning materials so that stu -
den ts n o lon ger n eed to car -
ry as m an y book s t o sch ool
an d b ack as before, bu t can
access th eir st u d y m ateri al
on their tou ch screen tablets.
(F) A m ech an ic work s on m otors
an d an accou n t an t h as h is
com pu ter. Lik ewise, i f a st u -
den t h as to work on a m a-
ch in e or device, wh at sh ou ld
it be cal led ?
51. Wh ich of th e fol lowin g sen ten c-
es sh ou ld b e th e FI RST after re-
arran gem en t?
(1) F (2) D
(3) A (4) C
(5) E
52. Wh ich of th e fol lowin g sen ten c-
es sh ou ld b e t h e T H I RD after
rearran gem en t?
(1) A (2) B
(3) D (4) E
(5) F
53. Wh ich of th e fol lowin g sen ten c-
es sh ou ld be th e SI X T H (LAST )
after rearran gem en t?
(1) A (2) F
-146-

(3) E (4) B
(5) D
54. Wh ich of th e fol lowin g sen ten c-
es sh ou ld be th e FOURT H aft er
rearran gem en t?
(1) A (2) F
(3) E (4) B
(5) C
55. Wh ich of th e fol lowin g sen ten c-
es sh ou ld be th e FI FT H after re-
arran gem en t?
(1) A (2) D
(3) C (4) E
Di r ec t i o n s (5 6 –6 0 ) : In each of
th e foll owi n g qu estion s, fi ve sen ten c-
es ar e gi ven th at are n ot in a p rop er
sequ en ce. You are r equ ired to arr an ge
al l t h e five sen t en ces so t h at al l t o-
geth er m ak e a l ogi cal paragr aph . Th e
correct ord er of th e sen ten ces is you r
an swer.
(SBI M an agem en t Ex ecu t i v e
Ex am . 2 3. 0 2. 20 14 )
56. A. Most of t h e avai labl e savin gs
ch an n els do n ot give retu r n s
th at offset in flation .
B . Th e prospect of gettin g a n eg-
ative real retu rn is forcin g in -
vest ors away fr om con ven -
t ion al fin an cial savin gs in -
str u m en ts.
C. Th e cou n try n eeds to boost
it s fin an ci al savi n gs to st ep
u p t h e over al l i n vest m en t
rat e.
D . Besid es, th e seem in gly in sa-
ti abl e dem an d for gol d h as
very recen t ly created seriou s
m acroecon om ic problem s.
E . Alth ou gh th e th reat of an im -
balan ce h as receded, on go-
in g attem pts to ch an n el t h e
d em a n d i n t o p r o d u c t i v e
ch an n els n eed t o b e en cou r -
aged.
(1) DABCE (2) CADEB
(3) ABCDE (4) EDCBA
(5) BCEDA
57. A. Yet, th er e appeared to be a
con tr adi cti on i n t h is, as t h e
geograph ical area occu pi ed
by t h e ch ari sm ati c cat was
r ep or ted to h ave decr eased
in som e r an ges.
B . A fresh exercise t o cou n t t h e
cou n tr y’s t i ger s l ed by t h e
Nation al Tiger Con servati on
A u t h o r i t y h a s n o w b een
lau nch ed.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
JUMBLED SENTENCES (REARRANGE)
C. Th e r esu l t s p u b l i s h ed i n
2 0 1 0 cl ai m ed an i m p r ove-
m en t in estim ated tiger n u m -
b er s, at 1 ,7 0 6 i n d i vi d u al s
com pared to 1,4 11 in 200 6.
D . Wh at is in t erestin g i s t h at a
m ere 10 per cen t of th e h ab-
it at tod ay h osts 90 per cen t
of t h e r ep rodu ci n g p op u l a-
ti on s of th e big cat.
E . Th is is an im portan t project,
gi ven t h at In d i a h ost s t h e
m ost n u m ber of ti ger s i n t h e
wild.
(1) ABCDE (2) CABED
(3) EADCB (4) DCEBA
(5) BCAED
58. A. Wh en IT m oved i n to th e Val-
ley, edu cat ed B lack s fou n d
opp ortu n i ties a plen ty.
B . On ce, Si licon Val ley was t h e
valley of fr u it s.
C. Then the Wh ite an d Asian-led
or gan isat ion s b egan to pr e-
fer Sou th Asian s an d su bt le
di scr im i n at ion h ad t h e Afr i-
can Am er ican s m ovin g ou t.
D . Th en th e Hi span ics an d t h e
Ch in ese ou st ed th em .
E . Bl ack s fou n d wor k i n t h e or -
ch ar d s an d can n er i es an d
st or es.
(1) CADEB (2) AEBDC
(3) EBCAD (4) BEDAC
(5) DACBE
59. A. Th en t h er e i s t h e tech n iqu e
of ph ysical expr essi on (an gi-
k a abh in aya) u sin g postu res,
h an d gestu r es, et c.
B . A hallmark of Panik k ar’s pre-
sen tation is h i s u se of verb al
ex p r essi on (vach i k a ab h i -
n aya) borrowed from Kerala
tr adi tion s su ch as Kood iyat-
tam.
C. His own com pan y, Sopan am ,
is di sti n gu ish ed b y t h e elab-
orate ph ysical trainin g u nder -
gon e by all th e actor s.
D . In relat ively sh or t-t erm pr o-
du cti on th i s is n ot p ossibl e.
E . In h i s H i n d i p r esen t at i on s
too, th is vach ik a approach is
ret ain ed.
(1) BEACD (2) ACDBE
(3) EBDCA (4) ADCEB
(5) CAEBD
60. A. Ou r j ou r n ey h ad a destin a-
ti on — Th alasser y.
B . It was a clou dy day an d t h e
beach es were crowded.
C. An d t h at was h ow I l an d ed
in a very ti n y h am let to see a
Th eyyam perform an ce for th e
fi rst tim e.
D . Bu t I wan ted to drive th rou gh
th e vill ages an d we prom pt ly
got l ost.
E . We dr ove al on g, t u r n in g in to
sm aller villages an d h am lets,
fin din g poster s of Malayalam
st ar s, w h i l e Ch e Gu evar a
look ed on fr om every street
cor n er.
(1) ABCDE (2) BEADC
(3) CDABC (4) DEBAC
(5) EADCA
Di r ec t i o n s (6 1 –6 5 ) : Rear ran ge
the followin g six senten ces (A), (B), (C),
(D), (E) an d (F) in th e proper sequ en ce
to form a m ean in gfu l paragraph ; t h en
an sw er t h e qu est i on s gi ven b el ow
them .
(SBI Sp eci al i st Of f i c er
(L aw Of f i cer : M M GS Scal e-I I
On l i n e Ex am . 19. 04. 201 4)
(A) A st u d y com m i ssi on ed b y a
t r ad e gr ou p , t h e Nat i on al
Associ at i on of Soft w ar e an d
Ser v i c e C o m p a n i es , or
Nasscom , fou n d on ly one in fou r
en gi n eer i n g gr ad u at es t o b e
em ployable.
(B) In di a st i l l p r od u ces p len t y of
en gi n eer s, n ear l y 4 0 0 ,0 0 0 a
year at last cou n t.
(C) T h e s k i l l s gap r ef l ec t s t h e
n ar r ow avai l ab i l i t y o f h i gh -
qu ality college edu cation in India
a n d t h e ga l l o p i n g p a c e o f
c o u n t r y ’s s er v i c e- d r i v en
ec on o m y , w h i c h i s gr o w i n g
f a s t er t h a n n ea r l y a l l b u t
Chin a’s.
(D) Th e b est an d m ost sel ect i ve
u n i ver si t i es gen er at e t oo few
gr ad u at es, an d n ew p r i vat e
c o l l eg es ar e p r od u ci n g
gr adu ates of u n even qu alit y.
(E) Th e rest were d eficien t in t h e
requ ired techn ical sk ills, flu ency
in En glish or ability to work in a
t ea m o r d el i v er b a s i c o r a l
presen t ation s.
(F) B u t t h ei r c o m p et en c e h a s
becom e th e i ssu e.
61. Wh ich of th e followin g sh ou ld be
t h e SE C ON D sen t en ce aft er
rearran gem en t ?
(1) F (2) B
-147-
 JUMBLED SENTENCES (REARRANGE)
(3) A (4) C (E) All er gi c r espi r at or y d iseases D . Bu t i t is n orm al for r ates to vary
(5) D su ch as h ay fever an d bron - som e wh at.
62. Wh ich of th e followin g sh ou ld be ch ial asth m a h ave in deed b e- E . Th e rate at wh ich actions em erge
t h e F I R S T s en t en c e a f t er com e m ore com m on in th e last is som et im es a wor ry for p ar -
rearran gem en t ? decad es in all in d u st rialized en t s.
cou n t ries an d t h e reason s for F. Having said that variation is n or -
(1) A (2) B
th is in crease are sti ll deb ated. m al, n ear ly all ch ild ren begin to
(3) C (4) D
(F) Sever al st u d ies h ave sh own ex h ib it cert ain m otor sk i lls at a
(5) E
t h e ad ver se effect s of am bi - fai r l y con si st en t r at e u n l ess
63. Wh ich of th e followin g sh ou ld be en t ai r pollu t ion on resp irat o- som e t y p e of d i sab i l i t y i s
t h e T H I R D s en t en c e a f t er ry h ealt h . p r esen t .
rearran gem en t ?
66. Wh ich of th e followin g sh ou ld be 71. Wh ich of th e followin g sh ou ld be
(1) A (2) B th e L AST sen ten ce aft er rear - th e FI RST sen ten ce after rear -
(3) C (4) D ran gem en t ? ran gem en t ?
(5) F (1) A (2) B (1) A (2) B
64. Wh ich of th e followin g sh ou ld be (3) C (4) D (3) C (4) D
t h e F I F T H s en t en c e a f t er (5) E (5) E
rearran gem en t ?
67. Wh ich of th e followin g sh ou ld be 72. Wh ich of th e followin g sh ou ld be
(1) A (2) B th e FI RST sen ten ce aft er rear - th e T H I RD sen ten ce after rear -
(3) C (4) E ran gem en t ? ran gem en t ?
(5) F (1) A (2) B (1) A (2) B
65. Wh ich of th e followin g sh ou ld be (3) C (4) D (3) C (4) D
t h e L A S T s en t en c e a f t er (5) F (5) E
rearran gem en t ?
68. Wh ich of th e followin g sh ou ld be 73. Wh ich of th e followin g sh ou ld be
(1) A (2) B th e T H I RD sen ten ce aft er rear - th e LAST sen ten ce after r ear -
(3) C (4) D ran gem en t ? ran gem en t ?
(5) E (1) A (2) B (1) A (2) C
Di r ec t i o n s (6 6 –7 0 ) : Rear ran ge (3) C (4) D (3) D (4) E
the followin g six senten ces (A), (B), (C), (5) E (5) F
(D), (E) an d (F) in th e proper sequ en ce
69. Wh ich of th e followin g sh ou ld be 74. Wh ich of th e followin g sh ou ld be
to form a m ean in gfu l paragraph ; t h en
th e FOURT H sen ten ce aft er r e- th e FOURT H sen t en ce after r e-
an sw er t h e qu est i on s gi ven b el ow
arran gem en t ? arr an gem en t ?
them .
(1) A (2) B (1) A (2) B
(SBI Pr obat i on ar y Of f i cer On l i n e
Ex am , 2 1. 0 6. 20 14 ) (3) C (4) D (3) C (4) D
(A) As a con sequ en ce, even if it is (5) E (5) E
plau sible th at am bien t air pol- 70. Wh ich of th e followin g sh ou ld be 75. Wh ich of th e followin g sh ou ld be
lu tion pl ays a r ole for th e on - th e SECOND sen ten ce aft er r e- SECOND sen t en ce aft er r ear -
set an d in creasin g frequ en cy arran gem en t ? ran gem en t ?
of respir atory all ergy, i t i s n ot (1) A (2) B (1) A (2) B
easy to p rove t h is con clu sive- (3) C (4) D (3) C (4) D
ly. (5) E (5) E
(B) An oth er factor clou din g th e is- Di r ec t i o n s (7 1 -7 5 ) : Rearan ge Di r ect i on s (7 6 –8 0 ) : Rear ran ge
su e i s th at lab orator y evalu a- th e given si x sen ten ces A, B , C, D, E th e followin g six sen ten ce (A), (B), (C),
ti on s do n ot reflect wh at h ap- an d F in a proper sequ en ce so as to (D), (E) an d (F) in th e proper sequ en ce
pen s du rin g n atu r al exposu re form a m ean in gfu l paragraph an d then to form a m ean in gfu l paragraph ; t h en
wh en atm osp h eri c p ol l u t ion an swer th e given qu est ion s. an sw er t h e qu est i on s gi ven b el ow
m ix tu res ar e in h aled. (SBI Pr obat i on ar y Of f i cer On l i n e them .
(C) In terpr et ati on of st u d ies are Ex am , 2 8. 0 6. 20 14 ) (SBI Associ at es PO On l i n e
con fou n d ed b y t h e effect of A. As a ch il d grows, h is or h er n er - Ex am , 2 9. 1 1. 20 14 )
ci gar ett e sm ok e, exp osu re to vou s system becom es m or e m a- (A) In fact h e bel ieved th at cu stom -
in door p oll u tan ts an d to ou t- tu re. er s are t h e ori gin , t h e sou r ce of
doors an d i n doors al ler gen s. th e m on ey we h ave.
B . As t h i s h app en s th e ch il d be-
(D) However, despi te evi den ce of com es m or e an d m or e capab le (B) Th e cu stom er th u s h as th e pow-
a cor rel ati on b etween th e i n - of per for m in g in creasi n gly com - er to fi re everybody in th e com -
cr easi n g frequ en cy of respir a- plex action s. pan y from th e ch ai rm an d own .
tory all ergy an d t h e in creas-
C. H en c e, t h ey fr eq u en t l y f r et (C) M an agem en t can en su r e th i s
in g tr en d in air pollu tion , t h e
ab ou t wh eth er or n ot th eir ch i l- doesn ’t h ap pen by m oti vati n g
l i n k an d i n t er act i on i s st i l l
dr en are devel opin g t h ese sk il ls employees to cu ltivate m ean ing-
specu l ative.
at a n orm al rat e. fu l relation sh ips with cu stom er.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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 JUMBLED SENTENCES (REARRANGE)
(D ) Sam Wal ton bu i lt h is WalMart (D ) It i s d efi n ed as th e ab ili ty to (C) After al l we t h ou gh t team s are a
bu sin ess em pi re k n owin g th ere in flu en ce or lead th r ou gh persu asi on well -k n own su b j ect an d t h er e
was on ly on e b oss — th e cu s- or attraction by co-optin g people rath - m u st be a th ou san d book s on
tom er. er th an coerci n g th em . th e su bj ect alr ead y.
(E) So it is n ot th e com p an y wh i ch (E) Th e l ead ersh ip of wom en in (D) By going down th is path we hope
pays u s bu t th e cu st om er. polit ics, bu sin ess an d society i s b e- to discover som ethin g to say th at
(F) H e can ach i eve th is b y sim p ly com in g evid en t acr oss th e glob e. was d ifferen t from m ost book s
sp en d in g h i s m on ey el sewh er e. (F) Th ese t r en d s r ep r esen t t h e on th e su bject.
76. Wh ich of the followin g will be th e gorwi n g n eed s for ‘soft p ower’ i n t o- (E) We ap p r oach ed t h e i d ea of a
FI RST sen ten ce aft er rearran ge- day’s worl d. book on team s cau tiou sly.
men t? 81. Wh ich of th e followin g sh ou ld be (F) Al tern at ivel y th ey focu ssed on
(1) B (2) C th e FOURT H sen t en ce after t h e providin g you to advise on bu ild-
(3) D (4) F rearran gem en t? in g t eam s as an ob jective i n i t-
(1) A (2) B sel f.
(5) E
(3) C (4) F (RBI Gr ade-B Of f i c er
77. Wh ich of the followin g will be th e
Ex am . 1 7 . 1 1 . 2 0 0 2 )
SECOND sen t en ce aft er r ear - (5) E
ran gem en t? 82. Wh ich of th e followin g sh ou ld be 1. Wh ich of the followin g will be th e
th e SECOND sen t en ce after t h e SECOND sen ten ce ?
(1) A (2) B
rearran gem en t? (1) A (2) B
(3) C (4) D
(1) C (2) B (3) F (4) C
(5) E
(3) F (4) D (5) D
78. Wh ich of the followin g will be th e
T H I R D s en t en ce af t er r ea r - (5) E 2. Wh ich of the followin g will be th e
ran gem en t? 83. Wh ich of th e followin g sh ou ld be FI RST sen ten ce ?
(1) B (2) C t h e SI X T H sen ten ce aft er t h e (1) E (2) A
rearran gem en t? (3) B (4) C
(3) D (4) E
(5) F (1) E (2) D (5) D
79. Wh ich of the followin g will be th e (3) B (4) A 3. Wh ich of the followin g will be th e
FI F T H sen tence after rearran ge- (5) F T H I RD sen ten ce ?
men t? 84. Wh ich of th e followin g sh ou ld be (1) E (2) C
(1) A (2) B th e FI F T H sen ten ce after th e re- (3) B (4) F
(3) C (4) D arran gem en t? (5) D
(5) F (1) E (2) D 4. Wh ich of the followin g will be th e
80. Wh ich of the followin g will be th e (3) B (4) F FI FT H sen ten ce ?
SI X T H (LAST ) sen ten ce after re- (5) C (1) C (2) D
arran gem en t? 85. Wh ich of th e followign sh ou ld be (3) B (4) F
(1) B (2) C th e FI RST sen ten ce after th e re- (5) A
(3) D (4) E arran gem en t? 5. Wh ich of the followin g will be th e
(5) F (1) A (2) C LAST sen ten ce ?
Di r ect i on s (8 1 -8 5 ) : Rearrarn ge (3) B (4) F (1) C (2) D
th e given six sen ten ces (A), (B), (C), (5) E (3) E (4) F
(D ),(E) an d (F) in a proper sequ en ce (5) B
so as to form a m ean in gfu l par agraph RBI GRADE–B Di r ect i on s (6 –1 0 ) : Rearran ge th e
an d t h en an swer th e given qu est ion s. followin g six sen tences (A), (B), (C), (D),
(SBI Associ at es PO On l i n e
OFFICER EXAMS (E) an d (F) in th e proper sequ en ce to
Ex am , 3 0. 1 1. 20 14 ) form a m ean i n gfu l p ar agraph ; th en
(A) Sh e foll ows th e foot steps of Di r ect i on s (1 –5 ) : Rearran ge th e
an sw er t h e qu est i on s gi ven b el ow
oth er ren own ed fem ale politician s lik e following six sen ten ces (A), (B), (C), (D),
them .
Ch i le’s Mich elle B ach el et an d Ger m a- (E) an d (F) in th e proper sequ en ce to
form a m ean i n gfu l p ar agraph , th en (A) Th ere are a n u m ber of item s in
n y’s An gela Merk el. t h e at om i c en er gy pr ogr am m e
an swer th e qu estions given below them.
(B) Wom en are also ri sin g to th e wh i ch ar e b ei n g m ad e i n d i g-
forefron t in or th er parts of th e Gov- (A) We were i n terested by con trast
en ou sly.
er n m en t. in u n der stan din g wh at lesson s
actu al teams an d n on -teams had (B) Gi ven th e overal l en er gy situ a-
(C) An d t h is leader sh i p can be ti on in In di a, th e u se of n u clear
for oth ers to ch oose to str u ggle
seen in t h e growin g n u m ber of wom - power in som e m easu re is in es-
wi th ch an ge an d p erform an ce.
en wh o are becom in g pol itical l eaders capab le even wh ile th erm al an d
an d t h e m ost r ecen t b ei n g D i am a (B) St ill , we su sp ected t h at m ost of
h ydro power con tin u e to b e t h e
Rou seff wh o took over as Br azil ’s fir st t h ese focu ssed on per su ad in g
dom in an t elem en ts.
wom an Presiden t. readers t h at “t eam s are i m por -
tant”. (C) However, com m er cial aspects of

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ex ploiti n g n u clear capab ili ties,
especi all y for p ower -gen er ati on
program m es, h ave been recen tly
gi ven h i gh p riorit y.
(D) Atom ic energy program m es have
been su bj ect t o severe r est ri c-
ti on s for every obviou s reason s
as th e Departm en t of Atom ic En -
er gy is becom i n g self-relian t in
ar eas in wh i ch on ly a few cou n -
tr ies h ave su ch capabi lit y.
(E) E v en t o m eet t h ese n u cl ear
power requ irem en ts, In d ia crit i-
cally requ ires a com mercial-level
power -generation capability, with
i t s com m en su r at e safet y an d
n u clear waste m an agem en t ar -
ran gem en ts.
(F) Th u s, in In d ian con text en er gy
secu r ity is also cru cial, perh aps
m u ch m or e t h an i t i s for t h e
U.S.A., b ecau se In d ia im ports a
good part of its cru de oil requ ire-
m en ts, p ayin g for it wit h p re-
ci ou s foreign exch an ge.
(RBI Gr ade-B Of f i cer Ex am . 200 7)
6. Wh ich of th e foll owin g will be th e
FIFTH sen ten ce after r earr an ge-
men t?
(1) (A) (2) (B)
(3) (C) (4) (D)
(5) (E)
7. Wh ich of th e foll owin g will be th e
TH IRD sen ten ce after r earr an ge-
men t?
(1) (A) (2) (B)
(3) (C) (4) (D)
(5) (E)
8. Wh ich of th e foll owin g will be th e
SE COND sen t en ce aft er r ear -
ran gem en t?
(1) (A) (2) (B)
(3) (C) (4) (D)
(5) (E)
9. Wh ich of th e foll owin g will be th e
FIRST sen ten ce after r earr an ge-
men t?
(1) (A) (2) (B)
(3) (C) (4) (D)
(5) (E)
10. Wh ich of th e foll owin g will be th e
FOUR TH sen t en ce aft er r ear -
ran gem en t?
(1) (A) (2) (B)
(3) (C) (4) (D)
(5) (E)
Di r ec t i o n s (1 1 –1 5 ) : Rearr an ge
th e foll owin g six sen ten ces A, B, C,
D, E an d F i n t h e proper sequ en ce to
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Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
JUMBLED SENTENCES (REARRANGE)
form a mean in gfu l paragraph; then an - (B) Cl assi cal m u si c h as b een
swer th e qu esti on s gi ven bel ow th em . pr oved t o b e very h elpfu l in
(A) I t gover n s al l ot h er p ow er s, ch ild developm en t.
ph ysical, m en tal et c. (C) M an y d oct or s n ow - a- d ay s
(B) Th e m ob i l i t y of t h e p u r p ose u se i t for t h er apeu t ic p u r -
h el ps you r t h ou gh ts to br eak all poses wh ich are based u p on
th e bou n dari es. th e fin di n gs of th is research .
(C) Th e power of m in d is en orm ou s. (D) Th e r esear ch h as d em on -
strated th at listen in g to cl as-
(D) Th er efor e, t o ach i eve i t , on e
sical mu sic in creases th e rate
sh ou ld tr y to k i n d le th e m i n d
of n er vou s con n ect i on s i n
power.
brain .
(E) Wh en th ou gh ts t ran scen d lim i-
(1) BDCA (2) DBAC
tation s, th e goal i s r each abl e.
(3) ACBD (4) BDAC
(F) Th e p re-r equ isi t e i s t h at you r
mind shou ld be inspired by som e (5) BCAD
good pu r pose. 17. (A) Th i s r i gh t h ow ever com es
(RBI Gr ade-B Of f i cer Ex am . 200 8) al on g wi th th e respon sib ili ty
11. Wh ich of th e followin g sh ou ld be wh ich th e p ress i s forced to
th e SECOND sen t en ce aft er r e- work wit h .
arr an gem en t ? (B) It m ean s th at t h e pressm en
(1) A (2) B h ave ever y r igh t t o ex p ose
m atters related to pu blic an d
(3) C (4) D
n ation al in terest.
(5) E
(C) Su ch respon sibilities in clu de
12. Wh ich of th e followin g sh ou ld be
n ot br oad castin g m atters r e-
th e F I RST sen ten ce after r ear -
lated to n ational secu rity an d
ran gem en t ?
ot h er sen sit ive issu es.
(1) A (2) B
(D) Freed om of press is sym bolic
(3) C (4) D of dem ocracy.
(5) E (1) DBCA (2) DBAC
13. Wh ich of th e followin g sh ou ld be (3) ABCD (4) BDAC
th e SI X T H (LAST ) sen ten ce aft er
(5) BCDA
rearran gem en t ?
18. (A) A p op u l ar ex am p l e of t h i s
(1) A (2) B
d am a ge i s t h e Taj M ah al
(3) C (4) D wh ose m arbl e h as b een cor -
(5) E roded du e to acid rai n .
14. Wh ich of th e followin g sh ou ld be (B) It ch an ges th e acidi c con ten t
th e FOURT H sen t en ce after r e- of water bodies t h u s affect-
arr an gem en t ? in g th e l ives of th e l ivin g or -
(1) A (2) B gan ism s of t h is h ab itat.
(3) C (4) D (C) Acid rai n h as b een a m aj or
(5) E fact or r esp on si b l e for t h e
15. Wh ich of th e followin g sh ou ld be degradati on of th e en viron -
th e F I F T H sen t en ce after rear - m en t.
ran gem en t ? (D) Al on g wi th affecti n g th e li v-
(1) A (2) B in g b ein gs, it is also respon -
sib le for t h e corrosion of sev-
(3) C (4) D
er al h er itage bu i ldi n gs th u s
(5) E
cau sin g irreparable dam ages
Di r ec t i o n s (1 6 –2 0 ) : In each of to th em .
th e followin g qu estion s, rearran ge th e
(1) CBAD (2) CDBA
gi ven sen ten ces (A), (B), (C) an d (D)
(3) BADC (4) BDAC
an d i n di cate th e corr ect sequ en ce in
wh ich th ese sen ten ces m u st appear (5) CBDA
so as to m ak e a m ean in gfu l paragraph . 19. (A) Alon gwith m issin g th eir edu -
(RBI Gr ade-B Of f i c er cat i on t h ese ch i l d r en al so
Ex am . 1 1. 1 0. 20 09 ) face life t h reaten in g dan gers
16. (A) By in creasin g t h ese con n ec- b y w or k i n g i n h azar d ou s
ch em i cal factories.
ti on s th e in tel ligen ce is al so
in cr eased. (B) Ch ild labou r h as been i n ter -
ferin g with th e edu cati on of
-150-

m il l ion s of ch il d ren acr oss
India.
(C) However, th ere is a d ire n eed
t o r ei n f o r c e t h es e l a w s
strictly th rou gh ou t th e cou n -
tr y.
(D) Man y laws h ave been fram ed
in or der to cu r b t h is evi l.
(1) BADC (2) CBAD
(3) DBAC (4) BDAC
(5) BACD
20. (A) Th ei r i n ven t i on h as b een
pr oved t o b e a boon t o t h e
society sin ce m an y diseases
cau sed by the m icrobes cou ld
be cu red by th ese an ti biot-
ics.
(B) Th e scien ti sts th erefore face
a con t i n u ou s ch al l en ge t o
k eep in ven t in g n ewer dru gs
to cou n ter t h is problem .
(C) A m aj or h u r dle in th e u se of
an tib iot ics, h owever, is th at
th e m icrobes devel op r esi s-
tan ce to th e an tib iot ics th u s
ren derin g t h ese i n effective.
(D) An tibiotics are ch emical su b-
st a n ces p r od u ced b y m i -
cr obes wh ich ar e capab le of
in h ibitin g th e growth of oth er
m i crobes.
(1) BACD (2) CBAD
(3) DABC (4) DACB
(5) ABDC
Di r ect i on s (2 1 –2 6 ) : Rearran ge
the followin g six senten ces (A), (B), (C),
(D), (E) an d (F) in th e proper sequ en ce
to form a m ean in gfu l paragraph ; t h en
an sw er t h e qu est i on s gi ven b el ow
them .
(A) Two of t h e best -perform i n g
m aj or econ om i es i n 2 0 1 0
were Ch in a an d Brazil, wi th
gr owt h esti m at ed at 7.5%
an d 1 0.5 % respecti vel y.
(B) D esp i t e t h at l i m p gr owt h ,
m ajor US st ock m ark et i n -
dexes ar e u p b etween 11 %
an d 20 % for th e year.
(C) Even k n owin g wh er e econ o-
m i es are h eaded som etim es
is of n o h elp t o an i n vestor.
(D) It is h ard to an t ici pat e t h e
di rect ion of fin an ci al m ar -
k ets.
(E) Bu t as of Decem ber, stock
m ark ets of both n ation s were
in th e red for th e year.
(F) By con trast, th e US econ om y
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
JUMBLED SENTENCES (REARRANGE)
is lik ely to have expan ded at th is year, as m u ch as two-
on ly abou t 2.6% for th e year. th ird s of t h at in crease is on
(RBI Gr ade-B Of f i c er accou n t of len din g t o i n fr a-
Ex am . 0 6. 0 2. 20 11 ) st ru ctu r e.
21. Wh ich of th e followin g wou ld be (E) Th is wil l h el p u s to gau ge
th e SECOND sen ten ce? wh ich sect or of t h e econ om y
(1) A (2) C ar e doin g wel l.
(3) D (4) E (RBI Gr ade-B Of f i c er
Ex am . 0 6. 0 2. 20 11 )
(5) F
27. Wh ich of th e followin g wou ld be
22. Wh ich of th e followin g wou ld be
th e T H I RD sen ten ce?
th e FOURT H sen ten ce?
(1) A (2) B (1) A (2) B
(3) C (4 )E (3) C (4) D
(5) F (5) E
23. Wh ich of th e followin g wou ld be 28. Wh ich of th e followin g wou ld be
th e FI FT H sen ten ce ? th e FOURT H sen ten ce?
(1) A (2) B
(1) A (2) B
(3) Ei th er A or E
(3) C (4 ) D
(4) D (5) E
(5) F
29. Wh ich of th e followin g wou ld be
24. Wh ich of th e followin g wou ld be
th e FI RST sen ten ce?
th e FI RST sen ten ce?
(1) A (2) B
(1) B (2) C
(3) C (4) D
(3) D (4) E
(5) E
(5) E
30. Wh ich of th e followin g wou ld be
25. Wh ich of th e followin g wou ld be
th e SECOND sen ten ce?
th e SI X T H (LAST ) sen ten ce?
(1) A (2) B
(1) A (2) B
(3) C (4) D
(3) C (4) D (5) E
(5) E Di rect i on s (3 1 – 3 5 ) : Rearran ge
26. Wh ich of th e followin g wou ld be the followin g six senten ces (A), (B), (C),
th e T H I RD sen t en ce? (D), (E) an d (F) in th e proper sequ en ce
(1) A (2) B to form a m ean in gfu l paragraph ; t h en
(3) D (4) E an sw er t h e qu est i on s gi ven b el ow
(5) F them .
(RBI Of f i c er Gr ade ‘B’ On l i n e
Di r ect i on s (2 7 –3 0 ) : Rearran ge
Ex am . 2 5. 0 8. 20 13 )
th e foll owi n g five sen ten ces (A), (B ),
(A) Devel opm en t of d rou gh t r esi s-
(C), (D) an d (E) in th e proper sequ en ce
tan ce cou ld ben efi t l arge n u m -
to form a m ean in gfu l paragraph ; t h en
bers of far m er s.
an sw er t h e qu est i on s gi ven b el ow
them . (B) Hen ce th e h u m an race h as n o
ch oice b u t to adap t t o t h ese i m -
(A) Add th e in crem ental loan s to
pacts.
th e b asi c m etal s an d m et al
(C) In d ia h as to be con cern ed ab ou t
pr odu ct i n du str y, wh ich ac-
cli m ati c ch an ges.
cou n t for an oth er 14.5% of
loan s to in du st ry an d over (D) This im pact can ru n into decades
80 % of th e i n crease in loan s an d cen tu ries.
to in du st ry th i s fiscal i s ac- (E) En vir on m en t day is th u s an i m -
cou n ted for. portan t occasion t o assess t h e
(B) RBI decision t o pu blish data past an d ou r fu tu r e.
on sect or al d ep l oym en t of (F) Sin ce th ere is a p ossibility of ad-
ban k credit every m on th will ver se i m p ac t on agr i cu l t u r e
provide m u ch n eeded detail. wh ich cou ld deter gr owt h .
(C) Of th e t otal in crease in n on - 31. Wh ich is th e FI FT H sen ten ce of
food cr ed i t , i n fr ast r u ct u r e th e p assage after th e rearr an ge-
loan s accou n ted for 37 %. ment ?
(D ) For i n st an ce, t h e data sh ow (1) (F) (2) (D)
th at wh i le ban k cr edi t t o i n - (3) (E) (4) (A)
du str y i n cr eased by 11.7%
(5) (C)
-151-
 JUMBLED SENTENCES (REARRANGE)
32. Wh ich is th e T H I RD sen ten ce of (1) A (2) B R. Moreover resou rces are lim ited.
th e p assage ? (3) C (4) D S. Pl an can be drawn on th e basis
(1) (A) (2) (D) (5) E of actu al resou rces.
(3) (B) (4) (C) 38. Wh ich of th e followin g sh ou ld be 6. Bu t with ou t plan n i n g n o n ati on
(5) (E) th e SECOND sen ten ce aft er r e- can p rogress.
33. Wh ich is th e SECOND sen t en ce arr an gem en t ? (1 ) Q P R S (2) P Q R S
of th e p assage ? (1) E (2) D (3 ) Q R S P (4) P R Q S
(1) (B) (2) (D) (3) C (4) B 3. 1 . I t i s o f t en s a i d t h a t
(3) (F) (4) (C) (5) A sp ir itu al ism i s van ish i n g fr om
(5) (E) 39. Wh ich of th e followin g sh ou ld be ou r l ives.
34. Wh ich i s th e LAST (SI X T H ) sen - t h e f i r st sen t en ce aft er r ear - P. In th e pr esen t age an d in th e age
ten ce of th e p assage ? ran gem en t ? t o com e God wi l l b e t h e fi r st
(1) (C) (2) (B) (1) A (2) B casu alty.
(3) (F) (4) (D) (3) C (4) D Q. I n t h e p r es en t age w e h av e
(5) (E) ach ieved on ly m aterial progress.
(5) E
35. Wh ich is th e FI RST sen ten ce of R. Ou r past ages were ch aracterised
40. Wh ich of th e followin g sh ou ld be
th e p assage ? by spiritu alism .
th e t h i r d sen t en ce aft er r ear -
(1) (A) (2) (D) ran gem en t ? S. Progress throu gh materialism will
(3) (C) (4) (B) assu m e even greater in ten sity in
(1) A (2) B
(5) (E) th e ti m es to com e.
(3) C (4) D
Di r ect i on s (3 6 –4 0 ) : Rear ran ge 6. Mater iali sm wit h ou t l osin g t h e
(5) F
the followin g six senten ces (A), (B), (C), ti n ges of m orality seem s to be a
(D), (E) an d (F) in th e proper sequ en ce better ch oice.
to form a m ean in gfu l paragraph ; t h en
INSURANCE EXAMS (1 ) P R Q S (2) Q P S R
an sw er t h e qu est i on s gi ven b el ow (3 ) Q S R P (4) Q P R S
Di r ec t i o n s (1 -3 ) : In each of t h e
them . Di r ect i on s (4 -8 ) : Rearran ge th e
followin g qu est ion s stat em en ts 1 an d
(RBI Of f i cer Gr ade ‘B’ Ph ase-I followin g six sen tences (A), (B), (C), (D),
6 are resepecti vely th e first an d t h e
Ex am , 0 3. 0 8. 20 14 ) (E) an d (F) in th e proper sequ en ce to
l ast sen t en ces of a par agr aph . Th e
(A) Ar ctic sea i ce h as been m elti n g form a m ean i n gfu l p ar agraph ; th en
st atem en ts P, Q, R an d S com e i n b e-
at break -n eck speeds in th e past an sw er t h e qu est i on s gi ven b el ow
tween th em . Rearran ge P, Q, R an d S
few decad es, d ri ven by warm - them .
in su ch a way t h at th ey m ak e a co-
i n g ai r t em p erat u r e, war m i n g (A) No on e k n ows t h ei r n am es.
h er en t paragrap h togeth er with stat e-
ocean wat er tem p eratu r e, all of
m en ts 1 an d 6. Select th e correct or - (B ) With irr igation system s, far m -
wh ich are cau sed by or acceler -
der from th e gi ven ch oices. er s were abl e t o raise m ore food wi th
a t ed b y m a n - m a d e c l i m a t e
ch an ge. (Un i t ed I n d i a I n sur an c e Co. less l abou r.
(AAO) Ex am . 1 1.0 3. 200 7 ) (C) Th e first en gi n eers lived i n t h e
(B) B u t th er e are ot h er fact or s at
pl ay in t h e declin e of ice i n t h e 1. 1 . Th e p ress is often called ‘t h e m i ddl e East , probab ly arou n d 35 00
Ar cti c Ocean . fou rth estate.’ B.C.
(C) Sea i ce i s gen eral ly m oderat ed P. Wi t h en ou gh fr eed om i t can (D) Today’s city, th u s, is essentially
by su n ligh t. m ou l d pu bli c op in ion an d ex- st ill a p lace wh er e sp eci ali sts live an d
(D) War m ocean cu r r en t s t r avel pr ess it fr eel y. work .
n orth from th e equ ator an d u sh - Q. It r equ i r es fr eed om so t h at i t (E) Th u s, an in cr easin g n u m ber of
er i n war m er an d warm er wa- m ay act its par t effecti vel y. p eopl e were reli eved of agr icu l tu ral
ter, m ak i n g sea ice growt h d iffi- R. It pl ays a very im por tan t role in ch ores an d abl e t o gath er i n citi es to
cu lt. dem ocracy. pr acti se specali ties.
(E) It gr ows in th e wi n ter an d m el ts S. A cen sored press can not perform (F) However, th ey con ceived an d
in th e su m m er. al l t h ese fu n ction s effecti vel y. bu i lt t h e elevat ed i rrigation can al.
(F) Weath er p att er n s over th e h i gh 6. We are h app y t h at t h e In d ian (LI C Assi st an t Adm i n i st r at i v e
m id-latitu des an d th e Arctic can press h as enou gh opportu n ity to Of f i c er Ex am . 200 8 )
al so affect sea ice gr owt h . pl ay its role wel l. 4. Wh ich of the followin g will be th e
36. Wh ich of th e followin g sh ou ld be (1 ) P Q R S (2) P R Q S SIXTH (LAST) sen ten ce after r e-
th e fo u r t h sen ten ce aft er rear - (3 ) Q R S P (4) R Q P S arran gem en t ?
ran gem en t ? (1) A (2) B
2. 1 . Plan n in g in In dia is a d ifficu lt
(1) E (2) D (3) C (4) D
prob lem .
(3) C (4) B (5) E
P. So pl an n ers can n ot decid e t h e
(5) A si ze of t h e plan . 5. Wh ich of the followin g will be th e
37. Wh ich of th e followin g sh ou ld be Q. Th e gap b etween wh at p eop l e FIRST sen ten ce after r earr an ge-
th e si x t h sen t en ce after r ear - wan t an d wh at can be don e is m en t ?
ran gem en t ? big.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-152-
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(1) A (2) B
(3) C (4) D
(5) E
6. Wh ich of the followin g will be th e
F OURT H sen t en ce aft er r ear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
7. Wh ich of the followin g will be th e
FIFTH sen ten ce after r earr an ge-
m en t ?
(1) A (2) B
(3) C (4) D
(5) E
8. Wh ich of the followin g will be th e
SECOND sen t en ce aft er r ear -
ran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
Di r ec t i on s (9 –1 3 ) : Rear ran ge
th e foll owin g six sen ten ces/ grou p of
sen ten ces (A), (B ), (C), (D ), (E) an d (F)
i n t h e p r op er sequ en ce t o for m a
m ean i n gfu l p aragraph ; th en an swer
th e qu est ion s gi ven below th em .
(A) “It m ak es me h appy th at peo-
pl e are b egi n n i n g to ch an ge
th ei r views on th e en vi ron -
m en t an d m ak e ch an ges in
th eir lifest yle” h e said aft er
receip t of t h e awar d.
(B) For him, vin dication wou ld be
wh en we stop pollu tin g t h e
earth an d tu r n th e cor ner, th e
exciting news however, is that
th er e are a lot of good ch an g-
es u n d erway.
(C) As part of h is cam paign s, h e
t u r n ed a l ect u r e on gl ob al
warm in g an d clim ate ch an ge
in to a well k n own docu m en -
tary tit led ‘An In con ven ien t
Tr u th ’, b y wh ich h e en cou r -
aged millions of people world-
wi de to m ak e earth -fri en d ly
ch an ges in t h ei r l ives.
(D) Th ou gh m an y people ar e d o-
in g th eir p art by b ein g sen si-
ti ve t o th e en vi ron m en t, Al
Gor e ex p r essed a ser i ou s
con cern of th e worl d bein g
st i l l at r i sk d u e t o gl ob al
warm in g.
(E) Al Gor e, for m er Vice Pr esi-
den t of Am erica is well k n own
for h is cam pai gn s on clim ate
ch an ge.
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Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
JUMBLED SENTENCES (REARRANGE)
(F) Becau se of th is docu m en t a- (E) Th e m easu res i n cl u de yoga
ry an d h i s t ireless effor ts to cl asses wi t h em p h asi s on
ed u cate th e world ab ou t gl o- ph ysical an d m en tal exercis-
bal warm in g h e was awar d- es an d also ch an ge in food
ed th e Nobel Peace Pri ze on h abi ts.
Cl im at e Ch an ge in 200 7. (F) Certain oth ers feel t h at it is
(Un i t ed I n di a I n su r an ce AO becau se of drastic ch an ges in
Ex am . 2 7. 0 3. 20 11 ) peopl es' li fest yle an d eati n g
9. Wh ich of the followin g will be th e h abi ts.
(L I C Assi st an t Ad m i n i st r at i v e Of f i c er
FI RST sen ten ce after rearran ge-
m en t ? (AAO) Ex am . 1 2.0 5. 201 3)
14. Wh ich of th e fol lowin g wou ld be
(1) E (2) B
th e FI RST stat em en t aft er rear -
(3) C (4) D
ran gem en t?
(5) A
(1) A (2) B
10. Wh ich of the followin g will be th e
(3) C (4) D
SECOND sen t en ce aft er r ear -
ran gem en t ? (5) E
15. Wh ich of th e fol lowin g wou ld be
(1) D (2) B
th e SECOND statem en t aft er r e-
(3) C (4) F
arr an gem en t ?
(5) A
(1) A (2) B
11. Wh ich of the followin g will be th e
(3) C (4) D
T H IRD sen tence after rearran ge-
m en t ? (5) E
16. Wh ich of th e fol lowin g wou ld be
(1) D (2) F
th e FOURT H stat em en t after re-
(3) B (4) C
arr an gem en t ?
(5) A
(1) A (2) B
12. Wh ich of the followin g will be th e
FI FT H sen tence after rearran ge- (3) C (4) D
m en t ? (5) E
(1) A (2) B 17. Wh ich of th e fol lowin g wou ld be
(3) C (4) D th e FI FT H stat em en t aft er rear -
ran gem en t?
(5) E
(1) A (2) B
13. Wh ich of the followin g will be th e
SI X T H (L AST ) sen t en ce aft er (3) C (4) D
rearran gem en t ? (5) E
(1) D (2) B 18. Wh ich of th e fol lowin g wou ld be
th e SI X T H (LAST ) statem en t af-
(3) C (4) F
ter r ear ran gem en t ?
(5) E
(1) A (2) B
Di r ect i on s (1 4 –1 5 ) : Rear ran ge
the followin g six senten ces (A), (B), (C), (3) C (4) D
(D), (E) an d (F) in th e proper sequ en ce (5) E
to form a m ean in gfu l paragraph ; t h en Di r ect i on s (1 9 –2 3 ) : Rear ran ge
an sw er t h e qu est i on s gi ven b el ow the followin g six senten ces (A), (B), (C),
them . (D), (E) an d (F) in th e proper sequ en ce
(A) Assu m in g th at all th ese rea- to form a m ean in gfu l paragraph ; t h en
son s ar e t r u e, t h e fact r e- an sw er t h e qu est i on s gi ven b el ow
m ain s th at th er e is an u rgen t them .
n eed to ch eck th e accel erat- (A) Assu m in g th at all th ese rea-
ed costs an d in itiate su itable son s ar e t r u e, t h e fact r e-
m easu res. m ain s th at th er e is an u rgen t
(B) Som e peopl e att ri bu t e i t to n eed to ch eck th e accel erat-
t h e i n cr easi n g gr eed i n ess ed costs an d in itiate su itable
am on g th e m edicos. m easu res.
(C) The im pact of these measu res (B) Som e peopl e att ri bu t e i t to
will be visible only after a con- t h e i n cr easi n g gr eed i n ess
si der abl e p assage of tim e. am on g th e m edicos.
(D) Healt h care costs h ave been (C) The im pact of these measu res
sk yrock et in g in ou r cou n tr y. will be visible only after a con-
si der abl e p assage of tim e.
-153-

(D) Healt h care costs h ave been
sk yrock et in g in ou r cou n tr y.
(E) Th e m easu res i n cl u de yoga
cl asses wi t h em p h asi s on
ph ysical an d m en tal exercis-
es an d also ch an ge in food
h abi ts.
(F) Certain oth ers feel t h at it is
becau se of drastic ch an ges in
peopl es' li fest yle an d eati n g
h abi ts.
(Un i t ed I n di a I n sur an ce AO
Ex am . 2 6. 0 5. 20 13 )
19. Wh ich of th e followin g wou ld be
th e FI RST stat em en t after r e-
arran gem en t?
(1) A (2) B
(3) C (4) D
(5) E
20. Wh ich of th e followin g wou ld be
t h e SECOND st at em en t aft er
rearran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
21. Wh ich of th e followin g wou ld be
t h e F OURT H st at em en t aft er
rearran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
22. Wh ich of th e followin g wou ld be
th e FI FT H stat em en t after r e-
arran gem en t?
(1) A (2) B
(3) C (4) D
(5) E
23. Wh ich of th e followin g wou ld be
t h e SI X T H (L AST ) st at em en t
after rearran gem en t ?
(1) A (2) B
(3) C (4) D
(5) E
24. In t h e fol lowi n g qu est ion , t h e
fi rst an d t h e last p ar ts of t h e
sen t en ce/ p ass age ar e n u m -
b er ed (1 ) an d (6 ). Th e r est of
t h e sen t en ce/ passage is spl i t
in to fou r parts an d n am ed (P),
(Q), (R) an d (S). Th ese fou r parts
ar e n ot gi ven i n t h ei r p r op er
or der. Read th e sen ten ce/ pas-
sage an d fin d ou t wh i ch of t h e
fou r com bin ati on s is correct
1 . E ffor t sh ou l d b e m ad e t o
sti m u late expor ts.
(P) We h ave an oth er sou r ce of
foreign ex ch an ge
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Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
JUMBLED SENTENCES (REARRANGE)
(Q) Bu t p eop le are rel u ctan t to
part wit h i t.
(R) I m ean th e h u ge qu an tities of
h oarded gol d.
(S) It is n eccessary to in crease
ou t fo r ei gn ex ch an ge r e-
ser ves.
6 . If th ey are wil lin g, gol d can
be sol d abroad.
(1 ) PRSQ (2) SPRQ
(3) SRPQ (4) PSRQ
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
25. In t h e fol lowi n g qu est ion , t h e
fi rst an d t h e last p ar ts of t h e
sen t en ce/ p ass age ar e n u m -
b er ed (1 ) an d (6 ). Th e r est of
t h e sen t en ce/ passage is spl i t
in to fou r parts an d n am ed (P),
(Q), (R) an d (S). Th ese fou r parts
ar e n ot gi ven i n t h ei r p r op er
or der. Read th e sen ten ce/ pas-
sage an d fin d ou t wh i ch of t h e
fou r com bin ation s is cor rect.
1 . Th e veget abl e b in of m y r e-
fri ger ator con t ai n ed an as-
sor t m en t of w ei r d - l ook i n g
item s.
(P) Th e carr ots dropped i n to U
sh ap es an d I pick ed th em u p
wi th th e ti ps of m y fin ger s.
(Q) To th e right of th e organ s was
a bu n ch of carr ots th at h ad
b egu n t o s p r o u t p o i n t s ,
sp ik es an d t en d ril s.
(R) Near th e carr ot s was a n et
bag of on ion s.
(S) Nex t t o a sh r i veled , wh i l e-
coat ed lem on wer e t wo or -
an ges covered with blu e fu zz.
6 . Each on ion h ad sen t cu rli n g
sh oot s t h rou gh th e n et u n t il
th e wh ole th in g resem b les a
m ass of green spagh ett i.
(1 ) SQPR (2) QSRP
(3) PRSQ (4) RSQP
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
26. In th e followin g qu est ion s, t h e
1st an d th e last parts of th e sen -
t en ce ar e n u m b er ed 1 an d 6 .
Th e r est of th e sen ten ce is spl it
in to fou r parts an d n am ed P, Q,
R an d S. Th ese fou r part s are
n ot given i n t h eir pr oper order.
Read th e sen ten ce an d fin d ou t
wh ich of th e fou r com bin ation s
is correct. Th en fin d th e correct
an swer.
1 . An d t h en word
P. cam e from i n si de
Q. m eet th e released civilian s R.
th at after all
S. th e pr ess cou ld
6 . bu t fleetin gly
(1 ) RSQP (2 ) SRQP
(3) PRSQ (4 ) RPQS
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
27. In th e followin g qu est ion s, t h e
1st an d th e last parts of th e sen -
t en ce ar e n u m b er ed 1 an d 6 .
Th e r est of th e sen ten ce is spl it
in to fou r parts an d n am ed P, Q,
R an d S. Th ese fou r part s are
n ot given i n t h eir pr oper order.
Read th e sen ten ce an d fin d ou t
wh ich of th e fou r com bin ation s
is correct. Th en fin d th e correct
an swer.
1 . Can an y on e
P. falseh ood triu m ph
Q. an d l et
R. for a lon g ti m e
S. su ppr ess tru th
6 . perm anen tly?
(1 ) RQSP (2 ) QPRS
(3 ) SRQP (4 ) PRQS
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
28. Th e followin g sen ten ce h as been
split in to fou r parts and the parts
h ave been given in ju mbled form .
Ch oos e t h e b est or d er fr om
am on g th e fou r opti on s as P, Q,
R an d S wh i ch p r od u ces t h e
or igin al sen ten ce:
P : an y fragran ce
Q : an d m ore pen etr ati n g
R : I h ave n ever com e across
S : t h at is n o m or e b eau tifu l
(1 ) R, P, S, Q (2 ) Q, P, S, R
(3 ) S, R, P, Q (4 ) Q, S, P, R
(NI CL (GI C) AO (Fi n an c e)
Ex am . 1 5. 1 2. 20 13 )
Di r ect i on s (2 9 –3 3 ) : Rear ran ge
th e given six sen ten ces (A), (B), (C),
(D ), (E) an d {F/ in a proper sequ en ce
so as to form a m ean in gfu l par agraph
an d t h en an swer th e given qu est ion s:
(NI ACL Ad m i n i st r at i v e Of f i c er
(AO) Ex am , 10. 01. 201 5 )
(A) However, si gn s of ch an ge are
vi sib le as few in su ran ce com -
p an i es h ave st ar t ed offer i n g
som e r el i ef f r om t h ese ex -
p en ses.
(B) An d t h ese beliefs are n ot m i s-
r ep r esen t ed .
-154-

(C) Th ey believe advan ces in m edi-
cal sci en ce, al on g w i t h t h e
risin g.cost of t reat m en t , m edi-
cation s an d proced u res, m ay
wi pe ou t th eir savin gs an d i n -
vest m en t if th ey con tract som e
seriou s or cri tical ill n ess.
(D) Most in dividu als fear th at th eir
h ealt h cover of Rs. 5 lak h or
Rs. 1 0 lak h won ’t be en ou gh
to t ak e care of a m edical em er -
gen cy.
(E) Ap ar t fr om su ch ex or b i t an t
tran spl an t cost s, even th e n ew
m edicin es for can cer an d oth er
seriou s i lln esses cost Rs. 5 00
u p war ds per tablet.
(F) For exam ple, an organ t ran s-
pl an t, say, of li ver or lu n g, can
cost Rs. 20 lak h to Rs. 40 lak h .
29. Wh ich of th e followin g sh ou ld be
th e sec o n d sen t en ce aft er th e
rearran gem en t?
(1) C (2) B
(3) F (4) D
(5) E
30. Wh ich of th e followin g sh ou ld be
th e fi r st sen t en ce after th e r e-
arran gem en t?
(1) A (2) C
(3) B (4) D
(5) E
31. Wh ich of th e followin g sh ou ld be
th e fi ft h sen t en ce after th e r e-
arran gem en t?
(1) A (2) D
(3) E (4) F
(5) C
32. Wh ich of th e followin g sh ou ld be
th e fo u r t h sen ten ce after th e re-
arran gem en t?
(1) A (2) B
(3) C (4) F
(5) E
33. Wh ich of th e followin g sh ou ld be
th e si x t h l ast sen ten ce aft er t h e
rearran gem en t?
(1) A (2) B
(3) D (4) E
(5) F
Di r ec t i o n s (3 4 –3 8 ) : Rearr an ge
the followin g six senten ces (A), (B), (C),
(D), (E) an d (F) in th e proper sequ en ce
to form a m ean in gfu l paragraph ; t h en
an sw er t h e qu est i on s gi ven b el ow
them .
(NI ACL Ad m i n i st r at i v e Of f i c er
(AO) Ex am , 11. 01. 201 5 )
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
JUMBLED SENTENCES (REARRANGE)
(A) In t h e syst em , an y t each er to form a m ean in gfu l paragraph ; t h en
wh o wan t s t o work for good an sw er t h e qu est i on s gi ven b el ow
ed u cation h as to wor k on h is them .
or h er own an d wit h ou t m u ch (NI ACL Ad m i n i st r at i v e Of f i c er
su ppor t. (AO) On l i n e Ex am , 1 2.0 1. 201 5 )
(B) Th e id ea of refor m an d i m - (A) And th e reason for it bein g ju st
pr ovem en t r em ai n at t h e level a bi ll is becau se, in worst cas-
of reh otri c. es, you r family collects th e ben-
(C) Th e t h ou gh t of d oin g a good efits u n for tu n ately wh en you
job r arel y com es t o m in d if it ar e d ead,
ever does. (B) It ran k s at th e top of th e li st
(D) Th e m i n d set t h at go ver n s of t h i n gs con su m er s k n ow
thin k in g an d th e action s of th e th ey probably sh ou ld bu y, bu t
fu n ct ion ari es of edu cati on in get n o p erson al em ploym en t
th e gover n m en t are to som e- fr om wh atsoever.
h ow m an age th e n au k ar i an d (C) Bu t per u si n g ai sl es h u n ti n g
to reap t h e ben efit s of th e J ob d own t h ese i t em s i s l i k e a
on th e b asi s of sen iorit y. sh opp er’s p aradise for m ost,
(E) It is largely ap ath eti c t o t h e u n l ik e bu yi n g l ife in su ran ce.
qu al ity edu cation an d th e fate (D) Few p eop l e get a sh op p er ’s
of ch i ldren . h i gh bu yin g toi let paper, m o-
(F) We h ave su cceed ed in creat- tor oi l an d t oot h br u sh es.
in g an edu cati on system th at (E) Despi te t h is fact th at you are
discou rages good edu cation in n ot ar ou n d t o see i ts ben efit s.
every possi ble way. It still is a critical part of m an y
34. Wh ich of th e followin g sh ou ld be people’s fin an cial plan s.
th e Last sen ten ce after rearran ge- (F) In spite of gain in g su ch an im -
m en t ? p ort an t p osit i on , l i fe i n su r -
(1) A (2) B ance is ju st an oth er bill to pay.
(3) C (4) D 39. Wh ich of th e followin g sh ou ld be
(5) E th e sec o n d sen t en ce aft er th e
35. Wh ich of th e followin g sh ou ld be rearran gem en t ?
t h e F i r st sen t en ce aft er r ear - (1) C (2) A
ran gem en t ? (3) F (4) D
(1) A (2) B (5) E
(3) C (4) D 40. Wh ich of th e followin g sh ou ld be
(5) F t h e f i r st s en t en c e a ft er t h e
36. Wh ich of th e followin g sh ou ld be rearran gem en t ?
th e Fo u r t h sen ten ce after rear - (1) A (2) F
ran gem en t ? (3) B (4) D
(1) A (2) B (5) E
(3) C (4) E 41. Wh ich of th e followin g sh ou ld be
(5) F th e fi ft h sen t en ce after th e r e-
37. Wh ich of th e followin g sh ou ld be arr an gem en t ?
t h e T h i r d sen t en ce aft er r ear - (1) B (2) D
ran gem en t ? (3) E (4) F
(1) A (2) B (5) C
(3) D (4) E 42. Wh ich of th e followin g sh ou ld be
(5) F th e fo u r t h sen ten ce after th e re-
38. Wh ich of th e followin g sh ou ld be arr an gem en t ?
t h e F i f t h sen t en ce aft er r ear - (1) A (2) B
ran gem en t ? (3) C (4) D
(1) A (2) B (5) E
(3) C (4) D 43. Wh ich of th e followin g sh ou ld be
(5) E th e si x t h (l ast ) sen ten ce after
Di r ec t i o n s (3 9 –4 3 ) : Rearr an ge th e r ear ran gem en t ?
the followin g six senten ces (A), (B), (C), (1) A (2) B
(D), (E) an d (F) in th e proper sequ en ce (3) D (4) E
(5) F
-155-
 JUMBLED SENTENCES (REARRANGE)
193. (1) 194. (2) 195. (4) 196. (4) 17. (5) 18. (3) 19. (4) 20. (2)
SHORT ANSWERS 187. (5) 188. (3) 199. (1) 200. (1) 21. (1) 22. (5) 23. (3) 24. (2)
201. (1) 202. (2) 203. (5) 204.(4) 25. (3) 26. (3) 27. (3) 28. (1)
NATIONALISED BANKS 205. (3) 206. (2) 207. (1) 208. (3) 29. (2) 30. (4) 31. (3) 32. (4)
& IBPS PO/MT/SO 209. (2) 210. (5) 211. (5) 212. (4) 33. (1) 34. (1) 35. (5) 36. (3)
213. (3) 214. (2) 215. (1) 216. (5) 37. (3) 38. (2) 39. (1) 40. (4)
1. (1) 2. (5) 3. (2) 4. (4)
217. (4) 218. (1) 219. (3) 220. (5) 41. (4) 42. (2) 43. (1)
5. (3) 6. (1) 7. (5) 8. (4)
221. (5) 222. (1) 223. (3) 224. (2)
9. (2) 10. (3) 11. (5) 12. (3)
225. (4) 226. (2) 227. (5) 228. (1)
13. (2) 14. (4) 15. (1) 16. (1) EXPLANATIONS
229. (4) 230. (2)
17. (3) 18. (5) 19. (3) 20. (2)
21. (3) 22. (1) 23. (4) 24. (5) SBI PO EXAMS NATIONALISED BANKS
25. (2) 26. (4) 27. (3) 28. (2) & IBPS PO/MT/SO
1.(5) 2.(4) 3.(3) 4.(2)
29. (5) 30. (3) 31. (4) 32. (2)
5.(1) 6.(1) 7.(2) 8.(4) 1. (1) A 2. (5) B
33. (1) 34. (5) 35. (3) 36. (3)
9.(4) 10.(2) 11.(4) 12.(5) 3. (2) E 4. (4) D
37. (5) 38. (1) 39. (3) 40. (2)
13.(3) 14.(3) 15.(2) 16.(1) 5. (3) C 6. (1) A
41. (3) 42. (3) 43. (5) 44. (5)
17.(3) 18.(2) 19.(4) 20.(5) 7. (5) E 8. (4) D
45. (1) 46. (1) 47. (2) 48. (5)
21.(4) 22.(5) 23.(1) 24.(2) 9. (2) B 10. (3) C
49. (1) 50. (3) 51. (1) 52. (2) 11. (5) E 12. (3) C
25.(3) 26.(5) 27.(1) 28.(3)
53. (1) 54. (3) 55. (2) 56. (2) 13. (2) B 14. (4) D
29.(4) 30.(2) 31.(5) 32.(3)
57. (3) 58. (4) 59. (1) 60. (5) 15. (1) A 16. (1) A
33.(2) 34.(4) 35.(1) 36.(2)
61. (1) 62. (2) 63. (5) 64. (4) 17. (3) C 18. (5) F
37.(1) 38.(3) 39.(4) 40.(5) 19. (3) D 20. (2) B
65. (3) 66. (2) 67. (2) 68. (5)
41.(3) 42.(2) 43.(5) 44.(1) 21. (3) D 22. (1) A
69. (3) 70. (3) 71. (5) 72. (2)
45.(3) 46.(2) 47.(4) 48.(1) 23. (4) E 24. (5) F
73. (4) 74. (3) 75. (1) 76. (4)
49.(4) 50.(5) 51.(4) 52.(4) 25. (2) C 26. (4) E
77. (2) 78. (5) 79. (1) 80. (4)
53.(5) 54.(4) 55.(4) 56.(3) 27. (3) D 28. (2) B
81. (3) 82. (5) 83. (1) 84. (3) 29. (5) F 30. (3) C
57.(2) 58.(4) 59.(1) 60.(2)
85. (2) 86. (4) 87. (2) 88. (5) 31. (4) D 32. (2) B
61.(1) 62.(2) 63.(1) 64.(3)
89. (1) 90. (4) 91. (4) 92. (3) 33. (1) A 34. (5) E
65.(4) 66.(1) 67.(5) 68.(4)
93. (2) 94. (5) 95. (1) 96. (2) 35. (3) C 36. (3) D
69.(3) 70.(5) 71.(1) 72.(4) 37. (5) F 38. (1) A
97. (4) 98. (5) 99. (1) 100. (3)
73.(5) 74.(5) 75.(2) 76.(3) 39. (3) C 40. (2) B
101. (2) 102. (3) 103. (4) 104. (5)
77.(1) 78.(4) 79.(5) 80.(2) 41. (3) D 42. (3) C
105. (5) 106. (5) 107. (1) 108. (3)
81.(1) 82.(1) 83.(5) 84.(3) 43. (5) F 44. (5) E
109. (4) 110. (2) 111. (1) 112. (2)
85.(5) 45. (1) A 46. (1) D
113. (1) 114. (2) 115. (3) 116. (4) 47. (2) E 48. (5) C
117. (1) 118. (5) 119. (3) 120. (2) RBI GRADE–B 49. (1) A 50. (3) F
121. (2) 122. (1) 123. (2) 124. (5) 51. (1) A 52. (2) B
125. (3) 126. (2) 127. (1) 128. (4)
OFFICER EXAMS 53. (1) F 54. (3) C
129. (3) 130. (1) 131. (3) 132. (4) 1. (4) 2. (1) 3. (3) 4. (5) 55. (2) E 56. (2) B
133. (3) 134. (4) 135. (1) 136. (4) 5. (2) 6. (1) 7. (2) 8. (3) 57. (3) C 58. (4) D
137. (5) 138. (5) 139. (1) 140. (3) 9. (4) 10. (5) 11. (1) 12. (3) 59. (1) A 60. (5) E
141. (2) 142. (3) 143. (1) 144. (2) 13. (4) 14. (2) 15. (5) 16. (4) 61. (1) A 62. (2) E
63. (5) F 64. (4) B
145. (1) 146. (3) 147. (4) 148. (2) 17. (2) 18. (5) 19. (1) 20. (4)
65. (3) C 66. (2) E
149. (1) 150. (5) 151. (4) 152. (2) 21. (2) 22. (4) 23. (5) 24. (3) 67. (2) B 68. (5) F
153. (3) 154. (5) 155. (3) 156. (2) 25. (2) 26. (1) 27. (3) 28. (3) 69. (3) D 70. (3) A
157. (1) 158. (3) 159. (2) 160. (5) 29. (2) 30. (4) 31. (4) 32. (2) 71. (5) C 72. (2) B
161. (1) 162. (5) 163. (3) 164. (5) 33. (3) 34. (5) 35. (3) 36. (2) 73. (4) E 74. (3) D
165. (2) 166. (2) 167. (4) 168. (1) 37. (1) 38. (1) 39. (3) 40. (2) 75. (1) A 76. (4) D
169. (3) 170. (3) 171. (2) 172. (1) 77. (2 ) B 78. (5) F
173. (4) 174. (3) 175. (1) 176. (5)
I NSURANCE EX AM S 79. (1) A 80. (4) E
81. (3 ) D 82. (5) F
177. (5) 178. (3) 179. (2) 180. (5) 1. (4) 2. (1) 3. (3) 4. (4)
83. (1) A 84. (3) C
181. (5) 182. (5) 183. (3) 184. (2) 5. (3) 6. (2) 7. (5) 8. (1) 85. (2) B 86. (4) D
185. (5) 186. (2) 187. (3) 188. (2) 9. (1) 10. (3) 11. (2) 12. (4) 87. (2) B 88. (5) F
189. (3) 190. (1) 191. (5) 192. (5) 13. (2) 14. (4) 15. (2) 16. (1) 89. (1) A 90. (4) E
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-156-
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 JUMBLED SENTENCES (REARRANGE)
91. (4) E 92. (3) C 23. (1) B 24. (2) E
93. (2) B 94. (5) F
SBI PO EXAMS 25. (3) G 26. (5) E
95. (1) A 96. (2) F 1. (5) F 2. (4) G 27. (1) A 28. (3) C
97. (4) D 98. (5) E 3. (3) E 4. (2) C 29. (4) D 30. (2) B
99. (1) B 100. (3) C 5. (1) D 6. (1) A 31. (5) E 32. (3) C
101. (2) B 102. (3) A 7. (2) D 8. (4) E 33. (2) B 34. (4) D
35. (1) A 36. (2) B
103. (4) D 104. (5) F 9. (4) C 10. (2) G
37. (1) A 38. (3) C
105. (5 ) E 106. (5) E 11. (4) D 12. (5) E
39. (4) E 40. (5) F
107. (1) A 108. (3) C 13. (3) C 14. (3) F
41. (3) C 42. (2) B
109. (4) D 110. (2) B 15. (2) B
43. (5) E 44. (1) A
111. (1) A 112. (2) D (1 6 –2 0 )
45. (3) D 46. (2) E
113. (1) E 114. (2) B Fi r st sen t en c e (A) Th e app lica-
47. (4 ) F 48. (1) A
115. (3) C 116. (4) D ti on of econ om ic, en viron m en tal an d
con su m er pressu res h ave on an i n - 49. (4) C 50. (5) B
117. (1) E 118. (5) A
119. (3) C 120. (2) B cr ease i n recen t year s. 51. (4) C 52. (4) E
121. (2) A 122. (1) B Seco n d sen t en ce (F) Th ese h ave 53. (5) D 54. (4) B
123. (2) C 124. (5) E greatly in flu en ced th e developm en t of 55. (4) E
125. (3) D 126. (2) B th e agr icu l tu re an d food in du st ries in 56. (3) ABCDE 57. (2) CABED
ou r cou n tr y. 58. (4) BEDAC 59. (1) BEACD
127. (1) E 128. (4) D
129. (3) C 130. (1) A T h i r d sen t en c e (D) In t u rn , t h e 60. (2) BEADC 61. (1) F
su pport in du str ies h ave develop ed to 62. (2) B 63. (1) A
131. (3) C 132. (4) F
an equ al ly advan ced stat e. 64. (3) C 65. (4) D
133. (3) E 134. (4) D
Fo u r t h sen t en c e (E) Th ey h ave
135. (1) A 136. (4) B
137. (5) F 138. (5) E
also equ ipped th em selves with th e nec- RBI GRADE–B
essar y experti se to satisfy th e m ost
139. (1) A 140. (3) C exactin g r equ irem en ts of th e overseas OFFICER EXAMS
141. (2) D 142. (3) C m ark et s.
143. (1) E 144. (2) B 1. (4) C 2. (1) E
Fi ft h sen t en ce (C) Th ey are th u s 3. (3) B 4. (5) A
145. (1) A 146. (3) C abl e to provide exper tise an d t ech n ol-
147. (4) D 148. (2) B 5. (2) D 6. (1) (A)
ogy t o satisfy th e n eeds of agro-food
7. (2) (B) 8. (3) (C)
149. (1) A 150. (5) E produ ction .
151. (4) (A) 152. (2) (D) Si x t h sen t en c e (B) As a resu l t, 9. (4) (D) 10. (5) (E)
153. (3) (F) 154. (5) (E) ou r agro-food produ ction an d tech nol- 11. (1) A 12. (3) C
155. (3) (C) 156. (2) D ogy are am on gst th e m ost advan ced 13. (4) D 14. (2) B
157. (1) A 158. (3) C in th e worl d. 15. (5) E 16. (4) BDAC
159. (2) B 160. (5) E 16. (1) F 17. (3) D 17. (2) DBAC 18. (5) CBDA
161. (1) A 162. (5) F 18. (2) E 19. (4) C 19. (1) BADC 20. (4) DACB
163. (3) C 164. (5) E 20. (5) B 21. (2) C 22. (4) E-
(2 1 –2 5 ) : 23. (5) F 24. (3) D
165. (2) D 166. (2) B
Fi r st Sen t en ce— (F) I will an swer 25. (2) B 26. (1) A
167. (4) E 168. (1) A
al l you r qu eri es a li ttl e elab oratel y. 27. (3) C 28. (3) Either A or E
169. (3) F 170. (3) C
Sec o n d Sen t en c e— (C) Fir st l y, 29. (2) B 30. (4) D
171. (2) B 172. (1) E
th ere was n o tr adi tion of th eat re in 31. (4) (A) 32. (2) (D)
173. (4) D 174. (3) C
m y-family. 33. (3) (F) 34. (5) (E)
175. (1) A 176. (5) F
T h i r d Sen t en c e— (G) Let al on e 35. (3) (C)
177. (5) E 178. (3) D
th eat re, art s i n gen er al h ad n o place
179. (2) B 180. (5) A INSURANCE EXAMS
of respect i n m y fam il y.
181. (5) F 182. (5) E
Fourt h Sen t en ce— (E) My parents
183. (3) D 184. (2) B 1. (4) R Q P S 2. (1) Q P R S
were old -fash i on ed.
185. (5) A 186. (2) A 3. (3) Q S R P 4. (4) D
Fi ft h Sen t en ce— (H ) My fat h er
187. (3) C 188. (2) B 5. (3) C 6. (2) B
was a gover n m en t ser van t.
189. (3) D 190. (1) E 7. (5) E 8. (1) A
Si x t h Sen t en c e— (B ) H e n ever
191. (5) B 192. (5) A 9. (1) E 10. (3) C
wan ted m e to be an actor, as h e did n 't
193. (1) C 194. (2) D 11. (2) F 12. (4) D
l o o k u p o n t h ea t r e o r a c t i n g a s
195. (4) E 196. (4) D respectab le vocation . 13. (2) B 14. (4) D
187. (5) E 188. (3) C 15. (2) B 16. (1) A
Sev en t h Sen t en c e— (A) B u t I
199. (1) F 200. (1) A always fel t som ewh er e i n m y m in d 17. (5) E 18. (3) C
201. (1) A 202. (2) E th at I l oved actin g. 19. (4) D 20. (2) B
203. (5) F 204. (4) B E i g h t h Se n t e n c e — (D ) I a m 21. (1) A 22. (5) E
205. (3) C 206. (2) D t al k i n g sp eci fi cal l y of act i n g, n ot 23. (3) C 24. (2) SPRQ
207. (1) A 208. (3) C th eat re in gen eral. 25. (3) PRSQ 26. (3) PRSQ
209. (2) B 210. (5) E 21. (4) D 22. (5) F 27. (3) SRQP 28. (1) R, P, S, Q
ppp
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 JUMBLED SENTENCES (REARRANGE)

MODEL EXERCISES
Di r ec t i o n s (1 –5 ) : In each of (1) RQPS (2) QRPS 15. Adventu re Programm es (P)/ adu lt
th ese qu estion s, a di sarr an ged sen - (3) QPSR (4) QSPR Program mers (Q)/ more than (R)/
t en ce i s gi ven i n w h i ch w or d s or ch ildren watch (S)
(5) Non e of th ese
ph rases are lettered P, Q, R an d S : (1) PSRQ (2) SQRP
8. P : n ew m em bers
You are t o arr an ge t h ese to for m a
Q : an d to raise m on ey (3) PRSQ (4) SPQR
m ean in gfu l sen ten ce.
R : th e pu rpose of th e m eetin g (5) Non e of th ese
1. tram p (P)/ 1 was (Q)/ as free (R)/
as a (S) S : is to in trodu ce Di r ect i on s (1 6 –2 0 ) : In each of
(1) RQSP (2) RSPQ th ese qu estion s, th e sen ten ces P, Q,
(1) QRSP (2) QPRS
(3) PQRS (4) PQSR R an d S, wh en properl y sequ en ced,
(3) PQRS (4) PRSQ form a coherent paragraph. Choose th e
(5) Non e of th ese (5) Non e of th ese
m ost logi cal or der of th e sen t en ces
2. scarcely tou ch in g (P)/ alon g (Q)/ 9. P : for th e fu tu re
from am on gst th e fou r given ch oices
h e glides (R)/ th e grou n d (S) Q : and poses th e m ajor ch allenge so as to form a coh eren t paragraph .
(1) RQSP (2) RQPS R : com m ercial en ergy con su m p-
16. P : Un gain ly on lan d, it is m ain ly
tion
(3) PQRS (4) RSQP fou n d in m ou n tain stream s,
S : sh ows an in creasin g tren d w h er e i t feed s o n s n a i l s ,
(5) Non e of th ese
(1) RPSQ (2) RSQP crabs an d som etim es fish .
3. th e n arcissu s (P)/ bloom (Q)/ is
th e (R)/ first to (S) (3) RQPS (4) PRSQ Q : Th e largest am ph ibian is th e
(1) PSQR (2) PRSQ (5) Non e of th ese gi an t sa l a m a n d er A d r i a s
10. P : that J opon icu s wh ich grows to a
(3) RSQP (4) RPQS
Q : racialism len gth of 1.8 m etre.
(5) Non e of th ese
R : sh ou ld be wiped ou t R : It lives an inactive life an d su r -
4. th e first film (P)/ h e ever (Q)/ th at
is (R)/ saw (S) S : people wan t faces to breath e at ir regu lar
(1) SPQR (2) PQRS in tervals :
(1) RPQS (2) PRQS
(3) QRSP (4) PSQR S : It m ay also be th e largest liv-
(3) QSPR (4) RQSP
(5) Non e of th ese i n g am p h i b i an ; on e i s on e
(5) Non e of th ese
Di r ect i on s (1 1 –1 5 ) : In each of record as livin g for 55 years.
5. see u s (P)/ you mu st (Q)/ and (R)/
th ese qu estion s, a di sarr an ged sen - (1) QSRP (2) QPRS
com e (S)
t en ce u gi ven i n w h i ch w or d s or (3) PQSR (4) QRSP
(1) QSRP (2) QPSR ph rases are lettered P, Q, R an d S : (5) Non e of th ese
(3) PSRQ (4) PQRS You are t o arr an ge t h ese to for m a
m ean in gfu l sen ten ce. 17. P : In em ission testin g, th e gov-
(5) Non e of th ese
ern ment fixes the total amou nt
Di r ect i on s (6 – 1 0 ) : In each of 11. i s (P)/ H i n d u Scu l p t u r e (Q )/
of pollu tion that is acceptable
th ese qu estion s, th e sen ten ces P, Q, m ovem en t (R)/ fu ll of (S)
to m ain tain a desired level of
R an d S, wh en properl y sequ en ced, (1) QSRP (2) PSRQ
air qu ality.
form a coherent paragraph. Choose th e (3) QPSR (4) RSQP
m ost logi cal or der of th e sen t en ces Q : Econ om i st s ar gu e t h i s ap -
(5) Non e of th ese
from am on gst th e fou r given ch oices p roach m ak es ai r p ol lu t ion
12. to _th e total cost _of th e _prod- con t r ol m or e cost effect i ve
so as to form a coh eren t paragraph . u ct (P)/ in reason able Proportion th an th e cu rren t pr actice of
6. P : an im age of a person in m edi- (Q)/ advertisin g cost are (R)/ n o
fixin g air pollu tion stan dards
tative pose lon ger (S)
and expecting all companies to
Q : su rr ou n ded by an im al, wild (1) RSQP (2) RPQS pollu te below these standards.
an d tam e (3) RQSP (4) PSRQ
R : USA u ses em ission tradin g to
R : w e h a ve i n t h e r el i c s o f (5) Non e of th ese con trol air pollu tion .
Moh enjodaro 13. u n su rpassed power (P)/ m odern S : It th en di stri bu tes em issi on
S : with eyes closed an d in drawn society (Q)/ in (R)/ wom en en joy
permits to all companies in the
(1) RPSQ (2) PQSR (S)
region , wh ich add u p to th e
(3) RQPS (4) QPRS (1) RQPS (2) SRPQ over al l accep t ab l e l evel of
(5) Non e of th ese (3) SPRQ (4) PRSQ em ission .
7. P : by h er in du lgen t paren ts (5) Non e of th ese (1) RSQP (2) PRQS
Q : th e ch ild was so spoiled 14. Am erican (P)/ as m en (Q)/ earn (3) QPSR (4) RQPS
R : wh en sh e did n ot receive all as_mu ch (R)/ work ing women (S)
(5) Non e of th ese
of th eir atten tion (1) PSQR (2) PRQS
18. P : It h as been so from tim e im -
S : th at sh e pou ted an d becam e (3) SRQP (4) PSRQ
mem orial.
su llen (5) Non e of th ese
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Q : It is n ecessary to h ave a l i-
brary.
R : Libr ary is a cen tr e of learn -
ing.
S : Th e sel ect ed b ook s sh ou l d
en ch an t u s.
T : Ou r teach ers h ad th eir librar -
ies.
(1) RQPST (2) RPTQS
(3) RSPQT (4) TQRSP
(5) Non e of th ese
19. P : Th e m iscon cept ion arose in
1870, wh en a misplaced deci-
m al poin t in a set was pu b-
lish ed.
Q : The idea that spinach promotes
stren gth on e m ade popu lar by
th e cartoon ch aracter Popeye,
th e sailor is based on a m is-
tak e.
R : Fu rth erm ore, th e iron in an y
vegetable is less valu able than
a sim ilar qu an tity of iron in
m eat, becau se th e body is less
effi ci en t at ab sor b i n g i r on
from vegetables.
S : On ly b etween 2 an d 10 p er
cen t of th e iron in vegetables
is absorbed com pared to 10
to 30 per cen t of th e iron in
m eat.
(1) QSPR (2) PQSR
(3) PQRS (4) QPRS
(5) Non e of th ese
20. P : Several factors lik e digestive
di sor der s an d psych ological
distu rban ces h ave been said
to be cau sative factorS :
Q : It seem s to be h ereditary an d
a m aj or i t y of su ffer er s ar e
women .
R : Certain foods lik e ch eese or
red win e h ave also been fou n d
to trigger off an attack .
S : Th e exact cau se of m igrain e
is n ot k n own .
T : On th e oth er h an d, ph ysical
over -exertion , fatigu e, irregu -
larities in dietary h abits, pro-
longed eye strain are comm on
precipitatin g factors.
(1) SQPRT (2) SPRTQ
(3) QPRST (4) RSPQT
(5) Non e of th ese
Di r ect i on s (2 1 – 2 5 ) : In each of
th ese qu estion S :, th e sen ten ces P,
Q, R an d S, wh en properly sequ en ced,
form a coherent paragraph. Choose th e
m ost logi cal or der of th e sen t en ces
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JUMBLED SENTENCES (REARRANGE)
from am on gst th e fou r given ch oices
so as to form a coh eren t paragraph .
21. P : Th e com pu ter took 45 h ou rs
of n on -stop compu tation .
Q : The com pu ter was not allowed
to learn from experien ce.
R : Th is is n ot really su rprisin g,
becau se with eleven item s of
cloth in g th e n u m ber of pos-
sible com bin ations is given by
m u ltiplyin g 11, 10, 9, 8 an d
so on , wh i ch gi ves over 3 9
million com bination s.
S : Som eon e on ce u sed th e IBM
compu ter to work ou t the nu m-
ber of ways of gettin g dressed
with eleven item s of cloth in g.
(1) QSPR (2) SRPQ
(3) SQRP (4) SPRQ
(5) Non e of th ese
22. P : In h is first inau gu ral address,
he conclu ded with an eloqu ent
p l ea : “Ask n ot wh at y ou r
cou n try can do for you — ask
what you can do for you r cou n-
try”.
Q : J oh n F Ken n edy, Dem ocratic
victor in th e election of 1960,
was at 43, th e you n gest m an
ever to win th e presiden cy.
R : On televisi on , in a ser ies of
debates with oppon en t Rich -
ard Nixon , h e appeared able,
articu late an d en ergetic.
S : In th e cam paign , h e spok e of
m ovin g aggressively in to th e
n ew d ecad e, for “t h e New
Fr on t ier is h er e wh eth er we
seek it or n ot”,
(1) SPQR (2) QRSP
(3) RPQS (4) QPRS
(5) Non e of th ese
23. P : On e day, a 17 year old sh ep-
h er d b oy cam e t o vi si t h i s
b r ot h er s an d ask ed , “Wh y
don ’t you stan d u p an d figh t
the gian t?”
Q : We all k n ow th e story of David
an d Goli ath , i n wh i ch th ere
was a gian t wh o was bu llyin g
an d h arassin g th e ch ildren in
th e village.
R : Bu t David said, “No, h e is n ot
too big to h it; h e is too big to
m iss.”
S : Th e b r ot h er s w er e t er r i fi ed
an d th ey replied, “Don ’t you
see h e is too big to h it?”
(1) QPSR (2) PRSQ
(3) QPRS (4) QSRP
(5) Non e of th ese
24. P : B u si n esses oft en feel t h at
sin ce th ey h ave a lot of m ar -
k et m u scl e an d i n su ch a
d om i n an t p osi t ion , m ai n te-
n an ce will be en ou gh .
Q : IBM h as al so su ffer ed from
lower priced clon es wh en th e
m ystiqu e of com pu ters was off
an d th ere was no lon ger a need
for reassu ran ce from th e so-
lidity of Big Blu e.
R : IBM fell behind on th e concept
of ‘con n ectivity ’ an d h as su f-
fered as a resu lt.
S : In recen t years, h owever, even
m igh ty IBM fou n d th at m ar -
k et domination was not enou gh
if you fall beh in d on con cept,
(1) PSRQ (2) RPQS
(3) RSQP (4) SRPQ
(5) Non e of th ese
25. P : Of cou rse, th ey h ave n ot m ade
th e blu n ders th at som e oth -
ers h ave made, bu t neither did
th ey grow.
Q : Th e ch ief execu tive h ad don e
an excellen t job in weldin g a
grou p of m otley an d su ccess-
fu l com pan ies in to on e profit-
able com pan y.
R : It is n ot su rprisin g th at com -
pan y h ad b een si tt in g on a
cash h oard of abou t $ 24 bil-
lion year after year with ou t any
attem pt to u se it for growth or
developm en t.
S : Th e ch ief execu tive of the Gen -
eral Electric Com pan y in En -
gland once told me th at h e was
very h appy wh en th ere were
n o p r ob l em s i n an y of h i s
m any division s.
(1) QPSR (2) SPQR
(3) RQSP (4) SQRP
(5) Non e of th ese
Di r ect i on s (2 6 – 3 7 ) : In each of
th ese qu estion s, a di sarr an ged sen -
t en ce i s gi ven i n w h i ch w or d s or
ph rases are lettered P, Q, R an d S or
T : You are to arran ge th ese to for m a
m ean in gfu l sen ten ce.
26. P : in th e bu dget is artificial
Q : bu t th ere is som e m erit in it
R : as distin ct from con su m ption
S : th e bi fu rcat ion of plan an d
n on -plan fu nds
-159-
 JUMBLED SENTENCES (REARRANGE)
T : in so far as it focu ses atten - R : its work in g does n ot con sist S : you r
tion on developm ent expen ses in storin g or recordin g an im - (1) RSPQ (2) RQSP
(1) PRQTS (2) SQRPT age (3) QSRP (4) RSQP
(3) RTSQP (4) RPSQT S : t h e sci en ce of t el evi si on i s (5) Non e of th ese
(5) Non e of th ese h igh ly soph isticated
36. P : sh e
27. P : disin tegrates som e part of th e T : it rath er catch es an d reflects
Q : h is ph one n u m ber
old tru th s an d an im age lik e a m irror
R : didn ’t k n ow
Q : t h ere b y u p set s t h e way of (1) PRTSQ (2) SQRTP
S : sh e claim ed
m en ’s th in k in g an d (3) QTRPS (4) PQRST
(1) SPRQ (2) QRPS
R : scien ce does n ot m erely add (5) Non e of th ese
(3) RSPQ (4) RPQS
new tru th s to th e old ones, bu t 32. P : as ti m e passed , th e layer of
slu dge becam e very th ick an d (5) Non e of th ese
S : som et im es th e n ew t ru th i t
covered with m u d, 37. P : Indian
discovers
Q : wh en th ey died, th ey san k to Q : earn as m u ch
T : th e ways of th eir lives
t h e ocean b ed an d decayed R : work in g wom en
(1) SRTQP (2) RSPQT
into slu dge S : as m en
(3) RTSQP (4) RPSQT
R : th e weigh t of water an d m u d (1) QSRP (2) PRSQ
(5) Non e of th ese
pressin g down on th e slu dge (3) SRPQ (4) PRQS
28. P : h e was h igh ly sen si tive an d
S : cou n tless tin y sea an im als (5) Non e of th ese
resen tfu l
lived in th e ocean m illion s of
Q : t ow ar d s t h e cou n t r y or t o Di r ect i on s (3 8 – 4 0 ) : In each of
years ago
those th ese qu estion s, a di sarr an ged sen -
T : ch an ged it in to tin y drops of t en ce i s gi ven i n w h i ch w or d s or
R : wh en th ere was even im plied oil ph rases are lettered P, Q, R an d S :
discou rtesy (1) PQRST (2) QSTPR You are t o arr an ge t h ese to for m a
S : wh ile h e was extrem ely gen tle (3) QPRST (4) SQPRT m ean in gfu l sen ten ce.
and toleran t
(5) Non e of th ese 38. P : In th e past, th e cu stom ised
T : h e h eld in h on ou r
33. P : th e ch ief reason is th at it is tailorin g u n its were localised
(1) SRQTP (2) SPRQT con sidered ru de to differ with to the town ship or city and ca-
(3) PRSQT (4) TPSRQ them tered exclu sively to dom estic
(5) Non e of th ese Q : m oreover, even agreein g with dem and.
29. P : equ ali ty b efor e law an d th e th em completely is n ot con sid- Q : Tr ad i t i on al l y, In d i an s p r e-
right ered good m an n ers ferred cu stom -m ade cloth in g
Q : h owever m on ey an d all th at R : in En glan d it is n ot easy to an d th e con cept of ready-to-
money k eep u p con ver sat i on w i t h wear is a relatively recen t on e.
R : today political freedom assu res wom en in compan y R : Con su m er awaren ess of styl-
people S : n or can you ask th em to give in g issu es an d th e con ve-
S : to elect th eir govern m en t a reason for th e opin ion th ey n ien ce afforded by ready-to-
pr ofess wear h el p ed RM G i n d u st r y
T : can bu y is n ot fairly distrib-
T : you are also afraid of im pos- m ak e sm all in roads in to th e
u ted
in g you r views u pon th em domestic mark et in the 1980s.
(1) RPSQT (2) RSPQT
(1) PSTQR (2) RPSTQ S : Th e cu stom ised tailorin g ou t-
(3) SRQPT (4) QTSPR
(3) PQRST (4) RSTPQ fits h ave always been a m ajor
(5) Non e of th ese sou rce of cloth in g for dom es-
30. P : a cycle of poor h ealth th at be- (5) Non e of th ese
tic m ark et,
gins 34. P : an d was at on ce con vin ced
(1) QRSP (2) QSPR
Q : in developin g cou n tries expe- Q : h e sen t a few copi es of th e
(3) RSQP (4) SQPR
rien ce b ook t o wel l -k n own p oet r y
critics (5) Non e of th ese
R : before th ey are born an d
R : sh aw read th e first few lin es 39. P : Su ch a system will help to iden-
S : m any wom en tify an d groom execu tives for
of th e volu m e
T : p er si st s t h r ou gh ad u l t h ood position s of strategists.
S : an d awaited th eir reaction
p assi n g fr om gen er at i on t o Q : Evalu ation of perform an ce is
generation T : th at wh at h e was readin g was
real poetry m ore often th an n ot don e for
(1) SRPQT (2) PQRST th e pu rpose of reward or pu n -
(1) RPTQS (2) QSTPR
(3) SQPRT (4) STRPQ ish men t for past perform an ce.
(3) RSPQT (4) QPRST
(5) Non e of th ese R : They m u st becom e an in tegral
(5) Non e of th ese part of th e execu tive system .
31. P : th e im age dies as soon as it is
seen 35. P : ch eck ed regu larly S : Even wh ere th e evalu ation
Q : an d based on a delicate sys- Q : you sh ou ld h ave system is for on e’s promotion
tem of film in g an d recordin g R : blood pressu re to assu m e h igher responsibili-

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ties, it rarely in clu des term s
th at are a k ey for playin g th e
r ol e of str at egi st effecti vely,
eg, th e sk ills of playing the role
of ch an ge agen t an d creative
problem solvin g,
(1) SQPR (2) SRQP
(3) RSQP (4) QSRP
(5) Non e of th ese
40. P : Part i ci pat i on i n volves m or e
th an th e form al sh aring of de-
cisions.
Q : Throu gh anticipation individu -
als or organ isation s con sider
t r en d s a n d m a k e p l an s ,
43. P : In a n u m ber of cases, the driv-
sh i el d i n g i n st i t u t i on s fr om
trau m a of learn in g by sh ock .
R : In n ovat ive lear n in g i n volves
both an ticipation an d partici-
pation.
S : It is an attitu de ch aracterised
by th e cooperation , dialogu e
an d empath y.
(1) QRSP (2) PQRS
(3) RQPS (4) SPQR
(5) Non e of th ese
Di r ect i on s (4 1 – 4 5 ) : In each of
th ese qu estion s, a di sarr an ged sen -
t en ce i s gi ven i n w h i ch w or d s or
ph rases are lettered P, Q, R an d S, T :
You are t o arr an ge t h ese to for m a
m ean in gfu l sen ten ce.
41. P : Mich ael Hofm an , a poet an d
tran slator, accepts th is sorry
fact with ou t approval.
Q : Bu t than k lessn ess an d impos-
sibility do n ot dau n t h im .
R : He ack n owledges too— in fact,
h e retu rn s to th e poin t often -
th e best tran slators of poetry
always fail at som e level.
S : H ofm an feel s p assi on at el y
abou t his work and this is clear
44. P : Fi n i sh s p eci a l i st s r eco m -
from h is writin gs.
T : In term s of th e gap between
worth an d rewards, tran sla-
t or s com e som ewh er e n ear
n u rses an d street clean ers.
(1) TPRSQ (2) TPRQS
(3) PSTQR (4) SRTPQ
(5) Non e of th ese
42. P : Alm ost a cen tu ry ago, wh en
th e fath er of th e m odern au -
tomobile indu stry, Henry Ford,
sold th e first Model T car, h e
d eci d ed t h at on l y t h e b est
wou ld do for h is cu stom ers.
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JUMBLED SENTENCES (REARRANGE)
Q : Today, it is com m itted to de-
liverin g th e finest qu ality with
over six million vehicles a year
in over 200 cou n tries across
th e world.
R : An d for over 9 0 year s, t h i s
ph ilosoph y h as en du red in the
Ford Motor com pan y.
S : Thu s, a veh icle is ready for th e
cu stomers only, if it passes the
Ford ‘Zero Defect Programm e’.
(1) PQRS (2) PRQS
(3) RSPQ (4) PRSQ
(5) Non e of th ese
ers h ave refu sed to carry pas-
s en ger s a cc o r d i n g t o t h e
m eter -reading despite it bein g
in work in g con dition .
Q : For in stan ce, accordin g to a
com p l ai n t , t h e d r i ver of an
au to rick sh aw n ot on ly m isbe-
h aved bu t also ran away with
500 from Dh au la Ku an on
October 13.
R : Refu sal to carry com mu ters to
th eir respective destination s is
an oth er com m on com p lain t
wh ich h as been lodged with
th e call cen tres.
S : Wh at h ave b een t h e m ost
sh ock in g are th e com plain ts
ab ou t m isb eh avi ou r b y t h e
rick sh aw drivers with th e pas-
sen gers.
T : Sim ilarly, an oth er driver ran
away with th e lu ggage of th e
passen ger on th e Karol Bagh -
Pasch im Vih ar rou te.
(1) SPRQT (2) SRQPT
(3) PRSQT (4) PQRST
(5) Non e of th ese
m en ded a ch ewin g gu m con -
tainin g xylitol-a n atu ral sweet-
en er presen t in birch , m aple,
corn and straw-to be u sed sev-
eral tim es a day by you n g ch il-
dr en .
Q : Ch ewin g gu m is a n ew solu -
tion that may work for parents
wh ose ch i l d r en su ffer fr om
ch ron ic ear in fection s.
R : An experiment was condu cted
in volvin g th ree h u n dred an d
six ch ildren between two an d
six years.
S : Aft er Fi n ish stu dies sh owed
th at xylitol is effective in pre-
ven tin g cavities, a team of re-
search ers decided to in vesti-
gate its effects on a very sim i-
l ar t y p e of b act er i a w h i ch
cau ses ear in fection s,
(1) QRSP (2) PQRS
(3) RQPS (4) QPSR
(5) Non e of th ese
45. P : Su ch a n at ion al p ol icy wi l l
su rely divide an d n ever u n ite
th e peope.
Q : In fact, it su it es th e pu rpose
of t h e p ol i t i ci an s, t h ey can
drag th e people in to su bm is-
sion by appealin g to th em in
th e n am e of religion .
R : In order to in cu lcate, th e u n -
qu estion in g belief, th ey con -
dem n th e oth er states wh ich
do n ot follow th eir religion .
S : Th e em ergen ce of th e th eo-
cratic states, wh ere all types
of crimes are com mitted in th e
n am e of religion of th e Middle
Ages is dan gerou s.
(1) PQRS (2) SQRP
(3) SQPR (4) RSPQ
(5) Non e of th ese
Di r ect i on s (4 6 – 4 9 ) : In each of
th ese qu est ion s, fou r sen ten ces are
given den oted by A, B, C an d D : By
u sin g al l th ese fou r sen t en ces, you
h ave to fram e a m ean in gfu l paragraph .
Ch oose th e correct order of th e sen -
ten ces from th e fou r altern atives.
46. A : You wou ld be very su rprised
in deed to fin d it h ot.
B : Cold, of cou rse.
C : An d yet th at was wh at I fou n d
wh en I visited North Islan d,
t h e n or t h er n p ar t o f N ew
Zealand.
D : Wh en you go bathing in a river
or a pon d, do you expect th e
water to be h ot or cold?
(1) ACBD (2) CABD
(3) ACDB (4) DBAC
(5) Non e of th ese
47. A : B ecau se, i f t h e m an ager ’s
su b ord i n at es ar e i n effici en t
an d i n effect ive an d ar e n ot
h elped to In crease th eir effi-
cien cy an d effectiven ess, th e
task m ay n ot be ach ieved.
B : Th is m u st be ju st as tru e as
th e respon sibility for ach iev-
in g h is prescribed task s.
-161-
 JUMBLED SENTENCES (REARRANGE)
C : If it is ach i eved, it i s at too 50. A : in different region s of th at fed-
13. (3) 14. (4) 15. (2) 16. (1)
great a cost, or at th e risk of eration
oth er effects, m an y of wh ich B : th at was Yu goslavia 17. (1) 18. (2) 19. (4) 20. (2)
are less obviou s. C : t h e fu n d am en t al cau se h as 21. (4) 22. (2) 23. (1) 24. (1)
D : It is often said th at on e of th e been th e very large differen ce
p r i m e r esp on si b i l i t i es of a 25. (4) 26. (4) 27. (2) 28. (2)
in th e qu ality of life
m an ager is th e train in g an d D : alth ou gh th e dism em bermen t 29. (1) 30. (3) 31 . (2) 32. (4)
developm en t of h is staff. of th e federation 33. (2) 34. (1) 35. (3) 36. (1)
(1) ADBC (2) CABD E : is seen m ore as th e resu lt of
(3) BDAC (4) DBAC 37. (4) 38. (2) 39. (4) 40. (2)
an eth n ic con flict
(5) Non e of th ese (1) DBECA (2) BCEDA 41. (2) 42. (4) 43. (3) 44. (4)
48. A : M od er n r esear ch , h owever, (3) CEBDA (4) ABDEC 45. (2) 46. (4) 47. (4) 48. (4)
h as proved th at th ere were in - (5) Non e of th ese
vaders even before the Aryan s 49. (2) 50. (1) 51. (2) 52. (3)
51. A : bu t th ere is som e m erit in it
pou red in to th is lan d.
B : as distin ct from con su m ption 53. (3)
B : It was th ou gh t th at th ey cam e
t o a c ou n t r y w h i c h w a s C : t h e b i fu r cati on of pl an an d
u n civilised an d barbarian . n on -plan fu nds
D : in sofar as it focu ses atten tion
EXPLANATIONS
C : They had evolved a civilisation
h igh er th an th at of the Aryan s on developm en t expen ses
E : in th e bu dget is artificial 1. (1) QRSP 2. (2) RQPS
h or d es w h o cam e i n t h ei r
wak e. (1) DCABE (2) CEABD 3. (2) PRSQ 4. (1) RPQS
D : Till recen tly th e Aryan s were (3) CDBEA (4) DEACB 5. (1) QSRP 6. (1) RPSQ
regarded as th e earliest in - (5) Non e of th ese
vaders of th e lan d. 7. (3) QPSR 8. (2) RSPQ
52. A : lik e th e in du strialised cou n -
(1) ABCD (2) BCAD tries 9. (2) RSQP 10. (1) SPQR
(3) BDAC (4) DBAC B : as if th ey are to be su ffered 11. (3) QPSR 12. (1) RSQP
(5) Non e of th ese as relics of a back ward past
13. (3) SPRQ 14. (4) PSRQ
49. A : Organ isation s today are be- C : we h ave sp ecially drawn at-
com ing in creasingly popu lated ten tion to th e n on -m otorised 15. (2) SQRP 16. (1) QSRP
b y you t h fu l , h i gh l y-sk i l led , tran sport m odes 17. (1) RSQP 18. (2) RPTQS
h igh ly-edu cated work ers. D : becau se th ey are com pletely 19. (4) QPRS 20. (2) SPRTQ
B : Two of th e most prevalen t an d overlook ed in tran sport plan -
provocative organisational dy- ning 21. (4) SPRQ 22. (2) QRSP
n am i cs of ou r t i m e ar e th e E : till rep laced by faster petro- 23. (1) QPSR 24. (1) PSRQ
th em es of parti cip ation an d leu m -fu elled transport
ch an ge. 25. (4) SQRP 26. (4) RPSQT
(1) DEACB (2) CBADE
C : Th ese dem an ds for participa- 27. (2) RSPQT 28. (2) SPRQT
(3) CDEBA (4) CDBEA
tion are creatin g pressu res for
(5) Non e of th ese 29. (1) RPSQT 30. (3) SQPRT
in ternal organ izational chan ge
which are m atch ed on ly by ex- 53. A : h e was h igh ly sen si tive an d 31. (2) SQRTP 32. (4) SQPRT
t er n al en vi r on m en t al p r es- resen tfu l
33 . (2) RPSTQ 34. (1) RPTQS
s u r es f o r o r gan i s at i o n a l B : t ow ar d s t h e cou n t r y or t o
ch an ge. those 35. (3) QSRP 36. (1) SPRQ
D : These you n g, sk illed and edu - C : wh en th ere was even im plied 37. (4) PRQS 38. (2) QSPR
cated work ers brin g with them discou rtesy
39. (4) QSRP 40. (2) PQRS
dem ands for a voice in the de- D : wh ile h e was extrem ely gen tle
t er m i n a t i on o f t h ei r ow n and toleran t 41. (2) TPRQS 42. (4) PRSQ
or gan i sat i on al d esti n y — a E : h e h eld in h on ou r 43. (3) PRSQT 44. (4) QPSR
ch an ce to participate in th ose
(1) ACDBE (2) EADCB 45. (2) SQRP
d ecision s wh i ch affect th ei r
(3) DACBE (4) DCBEA
organ isation al lives : 46. (4) D is th e first sen ten ce.
(1) ABDC (2) BADC (5) Non e of th ese
47. (4) D is th e first sen ten ce.
(3) ABCD (4) BCDA
(5) Non e of th ese
SHORT ANSWERS 48. (4) D is th e first sen ten ce.
Di r ect i on s (5 0 – 5 3 ) : Each of 49. (2) ADC form a grou p.
1. (1) 2. (2) 3. (2) 4 . (1)
t h es e qu es t i o n s h a s a sen t en c e 50. (1) DBECA 51. (2) CEABD
scram bled an d m ark ed A, B, C, D an d 5. (1) 6. (1) 7. (3) 8. (2)
E : Fin d th e correct order as on e of 52. (3) CDEBA 53. (3) DACBE
9. (2) 10. (1) 11. (3) 12. (1)
th e five altern atives. ppp

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-162-
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PHRASE REPLACEMENT
NATIONALISED BANKS
& IBPS PO/MT/SO
Di r ec t i o n s (1 –5 ) : In each qu es-
ti on , th ere is a sen ten ce wi th a part
of th e sen ten ce pr in t ed in b old . D e-
ci de wh eth er t h is bol d p art is correct
an d fits in th e gr am m ati cal an d con -
textu al fram ework of t h e sen ten ce. If
it is to be ch an ged, ch oose from op-
ti on s (1 ) t o (4) to r epl ace th at par t. If
n ot, m ar k (5 ) as t h e an swer i.e. ‘No
ch an ge requ i red ’.
(Sy n d i cat e Ban k PO
Ex am . 1 0. 1 0. 20 04 )
1. Ex cept for y ou an d I , ev er y on e
br ou gh t a pr esen t t o t h e p art y.
(1) With the exception of you an d
I ever yon e b rou gh t
(2) Ex cep t for you an d I, ever y-
on e h ad brou gh t
(3) Ex cep t for you an d m e, ev-
eryon e brou gh t
(4) Exception of you an d m e, ev-
er yon e h ad b rou gh t
(5) No ch an ge requ ir ed
2. H ad I r eal i z ed h ow cl ose I w as
to fallin g, I wou l d n ot h ave gon e
to th e p art y.
(1 ) If I wou ld h ave realized
(2 ) H ad I reali ze h ow close
(3 ) Wh en I real ized h ow close
(4 ) If I realized close
(5 ) No ch an ge requ ir ed
3. I f h e was t o deci de t o go t o col -
l ege, I for on e, wou l d r ecom -
m en d t h at h e go to Yal e Un iver -
sity.
(1 ) If h e were to decide to go to
coll ege
(2 ) H ad h e decided to go to col-
lege
(3 ) In t h e even t t h at h e decid es
to go to college
(4 ) Su pposin g h e was, to d eci de
to go to college
(5 ) No ch an ge requ ir ed
4. Bei n g as I am a r eal i st , I cou ld
n ot accept h is statem en t that su -
per n atu ral bei n gs h as cau sed
th e di stu r ban ce.
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(1 ) Th at I am a reali st
(2 ) B ein g a reali st
(3 ) B ein g t h at I am a reali st
(4 ) Reali st th at I am
(5 ) No ch an ge requ ir ed
5. Al th ou gh h e is abl e t o m ak e p o-
litical en em ies with th is decision ,
the Prime Min ister does n ot m in d
doin g if for t h e sak e of p u bl ic
wel far e.
(1) liab le from
(2 ) of a m i n d to
(3) ack n owledgin g h is liability to
(4) liable to
(5 ) No ch an ge requ ir ed
Di r ect i on s (6 –2 0 ) : Wh ich of t h e
ph r ases (1), (2 ), (3) an d (4) gi ven below
shou ld replace th e ph rase given in bold
in th e followin g sen ten ce to m ak e t h e
sentence grammatically meaningfu l and
correct ? If th e sen t en ce i s correct as
it is and n o correction is requ ired, m ark
(5 ) as th e an swer.
(Cor p or at i on Ban k PO
Ex am . 0 9 . 0 7 . 2 0 0 6 )
6. Becau se of h is efficien cy, th e Di-
rector wan t ed h i m t o work as
h is assistan t.
(1 ) wan ted t o h im
(2 ) wan t s h im to be
(3 ) wan t ed h e to
(4 ) wan ted of h im
(5 ) No corr ecti on requ ir ed
7. High ly in telligen t people seldom
t ol er at e an y am bi gu i t y .
(1) tolerate hardly an y am bigu ity
(2) h ard ly tolerate am bigu ou s
(3 ) t olerat e an y clar ity wh atso-
ever
(4) h ar dly tolerate an y lacu n a
(5 ) No corr ecti on requ ir ed
8. Bei n g t oi l ed for two h ou r s, h e
sat d own to tak e som e rest.
(1 ) H ave toiled for
(2 ) Had t oil ed for
(3 ) H avi n g to b e t oil ed at
(4 ) Havin g t oiled for
(5 ) No corr ecti on requ ir ed
9. He m u st h ave beh aved i m pol i t e
an d su ffer becau se of th at.
PHRASEREPLACEMENT
(1) im p olit ely an d su ffer
(2 ) i m pol itely an d su ffer ed
(3 ) i m polit e an d su ffer ed
(4 ) i m pol itely an d h ave su ffer
(5 ) No corr ecti on requ ir ed
10. Th e Neo Clu b h as been ext en ded
fi n an cial t ech n ical h elp to poor
an d d eservin g wom en .
(1 ) h as been exten di n g
(2 ) h ave been exten di n g
(3 ) is bein g ext en d ed
(4 ) h ave been ext en d ed
(5 ) No corr ecti on requ ir ed
11. Even l ess i n t ell i gen t st u d en t s
can be su cc eeded th rou gh h ard
work an d persever an ce.
(1 ) get su ccessi on
(2 ) b e su ccess
(3 ) get su ccess
(4 ) b e getti n g su cceed ed
(5 ) No corr ecti on requ ir ed
12. Som e people ex per i en ced l i fe
on l y i f t h ey are t ot al l y at t h e
m ercy of th eir feel in gs.
(1) ex per ien ce l ife as if th ey are
(2) exp erien ced l ife as if th ey are
(3) ex p er i en ci n g i f on l y wh en
th ey are
(4) ex p er i en ce l i fe w h en t h ey
wer e
(5) No correcti on requ ir ed
13. Leaders en able a grou p by i m ag-
i n i n g an d cr eat e a fu tu re wh ich
wi ll fu lfill th e gr ou p pu r pose.
(1 ) b y i m agin i n g to creat
(2 ) t o i m agin e an d b y create
(3 ) t o i m agin e an d create
(4) t o im agin i n g creat ivity
(5 ) No corr ecti on requ ir ed
14. Som e people by n at u r al l y t al k
m ore th an ot h er s.
(1) by n atu r al t alk
(2) natu rally talk
(3) n at u re by t alk i n g
(4) Natu ral by talk in g
(5 ) No corr ecti on requ ir ed
15. Bein g a m an of pri n ci ple, h e r e-
fu sed to follow the illegitim ate in -
stru ction s.
-163-

(1) followin g t h e illegitim ate
(2) to followin g illegitim ately
(3) to fol low th e illegitim ately
(4) n ot to follow illegiti m ately
(5 ) No corr ecti on requ ir ed
16. On e of t h e b asi c ch oi ces w e
m ak e in l ife i s wh et h er f ol l o w-
i n g th e path of sm art selfishn ess
or tr y t o avoid al l p rob lem s.
(1) wh ile foll owin g
(2 ) i s wh eth er to foll ow
(3 ) is wh eth er or n ot to foll ow
(4 ) h as b een wh eth er foll ow
(5 ) No corr ecti on requ ir ed
17. Good-n atu red people h av e been
su ffer ed bec au se of th eir pol i-
tick in g com pan ion s.
(1 ) h ave su ffer in g wi th
(2 ) are su ffered b ecau se of
(3 ) are b ei n g su ffered becau se
of
(4 ) m ay su ffer becau se of
(5 ) No corr ecti on requ ir ed
18. M ak i n g a d on ati on t o ch ar i t y
h el ps som e p eop l e f eel good.
(1 ) h elped som e people felt
(2 ) h elp s som e people felt
(3 ) h elpi n g som e peopl e to feel
(4 ) h elp s som e of people feeli n g
(5 ) No corr ecti on requ ir ed
19. Wh y do es h e w or r y over pet ty
m atter s i s n ot k n own .
(1 ) h e worri es
(2 ) h e d id wor ry
(3 ) h e does wor ry
(4 ) sh ou ld h e be wor ry
(5 ) No corr ecti on requ ir ed
20. Th e active learn in g of adu lth ood
is n ot on l y possi bl e bu t i n f i -
n i t el y an d desir abl e.
(1 ) possib le bu t on l y in fin i te
(2 ) on ly p ossible in fin i te an d
(3 ) p ossibl e on ly if in fin i te
(4) on ly possible b u t in fin it ely
(5 ) No corr ecti on requ ir ed
Di r ect i on s (21 -2 5) :Which of th e
ph rases (1), (2 ), (3) an d (4 ) given b e-
low sh ou ld rep lace th e p h rase given
in bol d i n t h e foll owi n g sen ten ces to
m ak e th e sen ten ce gramm atically cor -
rect? If th e sen t en ce is correct as it is
an d th er e is n o cor rect ion requ ir ed
m ark (5) i.e. ‘No cor rection r equ ired’
as th e an swer.
(Ban k Of M ah ar ash t r a PO
Ex am . 2 5 . 0 5 . 2 0 0 8 )
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21. Du ring th e recession m an y com -
pan ies will be fo r ced t o l ay off
wor k er s.
(1) h ave th e for ce to
(2 ) be forced in to
(3) forci bly h ave
(4) for cefu lly
(5) No correcti on requ ir ed
22. He wan ted n ot h i n g else ex pect -
i n g t o sl eep after a stressfu l d ay
at wor k .
(1) n ot h in g bett er t h an
(2) an yth i n g else u n less
(3) n oth in g bu t h avin g
(4) n ot h in g else th an
(5) No correcti on requ ir ed
23. Ra m es h t o o k c h a r ge o f t h e
project, within a few days of h av -
i n g appoi n t ed ?
(1) h avin g an appoin tm en t
(2) bein g appoin ted
(3) after bei n g appoin t ed
(4) appointing
(5) No correcti on requ ir ed
24. It is d ifficu lt t o work wit h h im
becau se h e i s on e of t h ose per -
son s wh o t h i n k h e i s al way s
righ t.
(1) th in k th ey are always
(2) al ways t h in k s h e is
(3) is al ways th in k in g th ey are
(4) always th in k h is
(5) No correcti on requ ir ed
25. Forei gn b u si n esses in develop-
in g cou ntries h ave u su al ly prob-
l em s wi t h lack of in frastr u ctu re
an d ri gid laws.
(1) u su al problem s as
(2) u su ally probl em s on
(3) as u su al pr obl em s li k e
(4 ) th e u su al problem s of
(5) No correcti on requ ir ed
Di r ec t i o n s (2 6 –3 0 ) : Wh i ch of
th e p h rases (1), (2), (3 ) an d (4) given
below sh ou ld replace th e ph rase given
in bo l d in th e foll owin g sen t en ces to
m ak e th e sen ten ce gramm atically cor -
rect? If th e sen t en ce i s correct as it
is an d t h er e i s n o correcti on requ ir ed
m ark (5) i.e. ‘No cor rection r equ ired’
as th e an swer.
(I n di an Ov er seas Ban k PO
Ex am . 1 5 . 0 6 . 2 0 0 8 )
26. Th e US econ om y is pr esen t i n
t h e fac e of f a ser iou s recession .
(1) h avin g t o face of at pr esen t
(2) pr esen tl y faci n g u p to
(3) pr esen ted on th e face of
PHRASEREPLACEMENT
(4) pr esen tl y faci n g
(5) No correcti on requ ir ed
27. Econ om ist s h ave pr edi cted th at
th e cou n try’s econ om i c growth
fal l s l o w t o eigh t p er cen t th is
year.
(1) falli n g as l ow as
(2) fell to as l ow as
(3) wi ll fal l t o as l ow as
(4) fallen lower th an
(5) No correcti on requ ir ed
28. I n al l l i k en ess th e com pan y will
fail to ach ieve its produ ction tar -
gets t h is year.
(1) Wi th ever y l ik el in ess
(2) In all lik elih ood
(3) It is li k el y for
(4) In every lik en ess
(5) No correcti on requ ir ed
29. We h ave fail ed assessm en t of
th e ad van tages of ou tsou r ci n g
ou r IT op eration s.
(1) in assessm en t
(2) in n ot assessi n g u p
(3) to assess
(4) th e assessm en t of
(5) No correcti on requ ir ed
30. On e o f t h e k ey com pet en ci es
for m an agers are et h ics an d t h e
ab ili ty t o m oti vat e ot h er s.
(1) Am on g th e k ey com p eten ci es
(2) Besid e t h e k ey com peten cy
(3) In clu din g th e k ey com p eten -
ci es
(4) Wi th i n t h e k ey com peten ce
(5) No correcti on requ ir ed
Di r ec t i o n s (3 1 –3 5 ) : Wh i ch of
th e p h rases (1), (2), (3), an d (4) given
below sh ou ld replace th e ph rase given
in bol d i n t h e fol lowi n g sen ten ce to
m ak e t h e sen t en ce gr am m at i cal l y
m ean i n gfu l an d cor rect ? If th e sen -
ten ce is cor rect as it is an d n o correc-
ti on is requ ired m ark (5 ) as th e an -
swer.
(An dh r a Ban k PO Ex am . 1 4. 09. 200 8)
31. Most peop le feel t h at th e m ost
im portan t reason to recylce is i t s
i m pac t on fu tu re gen erat ion s.
(1) ar e t h eir im pacts
(2) h as an im pact
(3 ) i t i s i m pact
(4 ) h ave an im pact
(5) No corr ect ion requ ir ed
32. Af t er we h ear th e n ews of t h e
fl ood s, we i m m ediatel y decid ed
to join i n t h e rel ief effort s.
-164-

(1) Si n ce we h ave h ear
(2) Wh ile we were h eard
(3) On h eari n g
(4) Up on h ear in g th at
(5) No corr ect ion requ ir ed
33. Wi t h n o r ai n an d an y access to
cl ean water m an y farm ers wi ll
lose th ei r crop s.
(1) With ou t an y rain or
(2) Wit h ou t rain an d n or
(3) No rain in g an d n o
(4) Th ere is n o rai n an d n o
(5) No corr ect ion requ ir ed
34. Her goal to win a gold m edal an d
m ad e h er cou n t r y pr o u d.
(1) for m ak ing her cou ntry prou d
(2 ) m ade h er cou n try’s pri de
(3) by m ak in g h er cou n try prou d.
(4 ) m ak e h er cou n t ry prou d
(5) No corr ect ion requ ir ed
35. Today a k il o of r ice is n ear fi v e
t i m es m or e ex p en sive th an i t
was in 200 3.
(1) n ear t o five tim es
(2 ) n earl y five tim es
(3 ) n earl y b y five tim es
(4 ) n ear in g fi ve tim es
(5 ) No corecti on requ ir ed
Di rect i on s (36–4 5) : In each qu es-
ti on bel ow, a sen ten ce i s given with a
part of it p rin ted in bol d t ype. Th at
part m ay con tain a gram m atical error.
Each sen ten ce i s foll owed by ph rases
(1 ), (2), (3 ) an d (4). Fi n d ou t wh i ch
ph r ase sh ou l d replace th e ph rase giv-
en in bol d t o correct th e err or, if th ere
i s an y, an d t o m ak e t h e sen t en ce
gramm atically m eanin gfu l and correct.
If th e sen ten ce is correct as i t i s an d
n o correcti on is requ ired, m ar k (5) as
th e an swer.
(Ban k Of Bar od a Spec i al i st Of f i c er
Ex am . 0 5 . 1 0 . 2 0 0 8 )
36 . Wh at do es m ak e h i m feel awk -
ward, is on l y a tri vial m atter.
(1) does m ak e h i m to feel
(2) m ak es h im to feel
(3) m ak es h im feel
(4) wou ld m ak e h i m feeli n g
(5) No correcti on requ ir ed
37 . Th is is exactly wh at h e w an t ed
m e t o solve t h e problem .
(1) h ow h e wan t ed m e
(2) wh at h e wan t s from I
(3) h ow d oes h e wan t m e
(4) h ow di d h e wan t m e
(5) No correcti on requ ir ed
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
38 . Th ey wan t ed to k n ow t h at we
cou l d ex t en d th e requ i red h elp.
(1) th at can we exten d
(2) th at we h ad ext en d ed
(3) if cou ld we exten d
(4) if we cou ld exten d
(5) No correcti on requ ir ed
39 . Th e M i n i st er sai d t h at h e i s
pr ou d o f t h e people of h is con -
stitu en cy.
(1) h e sh ou ld be prou d of
(2) h e was pr ou d of
(3) h e h ad p rid e for
(1) it is h e to be prou d of
(5) No correcti on requ ir ed
40 . Th e m ob st art ed pelt i n g st on es
o n t h e v eh i cl es w h i c h w er e
park ed on th e st reet.
(1) st art ed to pel tin g ston es
(2) st art ed ston es to be p elt ed
(3) pelted ston es starti n g
(4) h ad star ted to pel tin g ston es
(5) No correcti on requ ir ed
41 . Th e p ri est d escri b es ex p ec t a-
t i on s as t h e r o ot c au se of all
m i ser ies.
(1) ex pectat ion is th e root cau se
(2) ex p ect at i on s ar e t h e r oot
cau se
(3) ex p ect at i on s ar e t h e r oot
cau ses
(4) th e root cau se as expectation
(5) No correcti on requ ir ed
42 . If a per son is ab le to see wh at
i s wr on g wi t h o n esel f , h e can
im prove fast.
(1) wh at is wron g wit h m yself
(2) wh at are th e wr on gs in on e-
self
(3) wh at is wron g i n on eself
(4) wh at is wron g with h i m self
(5) No correcti on requ ir ed
43 . Som e people feel t h at n u r t u r ed
h i gh ai m s i s a sign of im m at u -
rity.
(1) n u rtu rin g h igh aim s
(2) n u rtu re for h igh aim
(3) n u r tu rin g for h igh er aim s
(4) n u rtu ri n g with h igh er aim s
(5) No correcti on requ ir ed
44 . H e fi r m l y bel i ef i s t h at Yoga is
th e p erm an en t solu tion t o an y
d isease.
(1) Hi s firm l y b eli ef
(2) He fir m ly believes
(3) Hi s fi rm beli ef
PHRASEREPLACEMENT
(4) He is fi rm i n b eli ef
(5) No correcti on requ ir ed
45 . Du st part i cl es h ave accu m ul at -
ed on t h e wi n d ow p an es ar e
h ar m fu l t o h eal th .
(1) part icles are accu m u lated
(2) particles accu m u lated
(3) particles that is accu mu latin g
(4) h as par ticles accu m u lated
(5) No correcti on requ ir ed
Di r ec t i o n s (4 6 –5 0 ) : Wh i ch of
th e p h rases (1), (2), (3 ) an d (4) given
below sh ou ld replace th e ph r ase gi v-
en in bol d i n t h e fol lowi n g sen ten ce
to m ak e t h e sen ten ce gram m ati cal ly
m ean i n gfu l an d cor rect . If t h e sen -
ten ce is correct as i t i s an d ‘No cor -
recti on i s r equ ired ’, m ar k (5) as t h e
an swer.
(Or i en t al Ban k Of Com m er ce PO
Ex am . 2 1 . 1 2 . 2 0 0 8 )
46. Wh at im p ressed m e m ost abou t
h i m was t h at h i s co m m i t m en t
t o h is work as well as h is fam i-
ly.
(1) h e was com m itt ed
(2 ) t h at h e is com m itt ed
(3 ) h e h as com m itted for
(4) h is com m itm en t to
(5 ) No corr ecti on requ ir ed
47. It is th e cripplin g losses su ffered
by US ban k s h av e l ed t o th e
cu r ren t econ om ic slu m p.
(1) wh ich h ave l ed to
(2 ) t h at h ave l ed
(3) leadin g in to
(4 ) h ave lead to
(5 ) No corr ecti on requ ir ed
48. Pu b lic h ealth faciliti es ar e m or e
scar c e si n ce pati en ts h ave t o
wait for h ou rs t o see a doctor.
(1) too scarce for
(2) very scarce becau se
(3) so scarce th at
(4) qu ite scarce th at
(5) No correcti on requ ir ed
49. I f h e i s for t u n at el y t o be su c-
cessfu l, you sh ou l d give som e-
th in g back to societ y.
(1) Un less you are fort u n ate
(2 ) If you are fort u n ate
(3 ) B y b ein g fort u n ate
(4 ) If you were fortu n ately
(5 ) No corr ecti on requ ir ed
50. Last week t h e com m it tee su m -
m ar i l y r ej ec t ed th eir proposal
for acqu i sition of th e in vestm en t
ban k .
-165-

(1) h ave rejected i n su m m ary
(2) su m m ar ily reject
(3) is rej ect ed su m m ari ly
(4 ) were su m m ar ily rej ect ed
(5 ) No corr ecti on requ ir ed
Di r ec t i o n s (5 1 –5 5 ) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
bel ow sh ou ld replace th e ph rase gi ven
in bol d i n t h e fol lowi n g sen ten ce to
m ak e t h e sen t en ce gr am m at i cal l y
m ean in gfu l an d correct. If th e sen ten ce
is correct as i t i s an d n o corr ecti on is
requ i red, m ark (5) as th e an swer.
(PNB Agr i c ul t u r e Of f i c er
Ex am . 0 4 . 0 1 . 2 0 0 9 )
51. I n or der t o con t r o l r i si n g p ri c-
es th e gover n m en t h as rest rict-
ed th e export of certain com m od-
ities.
(1) For con tr ol of r aised
(2) In con tr ol of r aised
(3) To con tr ol th e ri se
(4) By con troll in g risin g
(5) No correcti on requ ir ed
52. Over two cr ores wi ll be requ ir ed
to ren ovate th e b u il din g bei n g
dam aged d u ri n g th e cyclon e.
(1) Th at was dam age
(2) Wh ich was dam aged
(3) Has b een dam aged
(4) Been d am aged
(5) No correcti on requ ir ed
53. Sm al l in vest ors often becau se of
delays i n gett in g i t s gr i ev an ce
r edr essed.
(1) th eir gr ievan ces r edr essed
(2) th e grievan ces redress
(3) to redress grievan ce
(4) th is gri evan ces r edr essed
(5) No correcti on requ ir ed
54. With th e failu re of the investm en t
ban k , th e pu bli c's con fi den ce
in th e ban k i n g sector h as been
h ow bad l y sh ak en .
(1) so bad ly sh ak en
(2) th at m u ch sh ak y
(3) bad ly sh ak en
(4) too badl y sh ak y
(5) No correcti on requ ir ed
55. A con su ltan t is been ap poi n t ed
to ad vise u s on th e viab ili ty of
th e pr oject.
(1) appointed
(2) h as been app oin t in g
(3) wi ll be appoin t ed
(4) to be app oin t ed
(5) No correcti on requ ir ed
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Di r ec t i o n s (5 6 –6 5 ) : Wh i ch of
th e p h rases (1), (2), (3 ) an d (4) given
below sh ou ld replace th e ph rase given
in bol d i n t h e fol lowi n g sen ten ce to
m ak e th e sen ten ce gramm atically cor -
rect. If th e sen t en ce is correct as it is
an d ‘No corr ect ion is requ ir ed’, m ark
(5 ) as th e an swer.
(Can ar a Ban k PO Ex am . 1 5. 03. 200 9)
56. Ra d h a ’s t h r ee c h i l d r en ,
Sh an t an a, M an u an d M eer a are
talen t ed, bu t t h e l at t er ex cel s
th e oth er two.
(1) th e last excels
(2 ) l att er excel
(3 ) t h e l att er excelli n g
(4 ) t h e last excelli n g
(5 ) No corr ecti on requ ir ed
57. Bei n g a su c cessfu l bu si n ess-
m an dem an d s h ard work , h on -
esty, persu asive sk ills an d sou n d
m ark et k n owl edge.
(1) To be a su ccessfu l bu sin ess
wh o dem an ds
(2) Being a su ccessfu lly dem and-
in g bu sin essm an
(3 ) To b e a su ccessfu l b u si n ess-
m an dem an din g
(4 ) For bein g a su ccessfu l d e-
m andin g bu sin essm an
(5 ) No corr ecti on requ ir ed
58. T h e of f i c er ap p r ec i a t ed h i s
su bordin ate’s m an y at t em pt t o
br av el y c o n f r on t t h e m i scr e-
ants.
(1) m an y att em p tin g br ave con -
fron ts
(2 ) m an y brave attem pt s to con -
fron t
(3 ) rep eat ed at tem pt s t o b rave
con fron t
(4 ) m an y att em pt s of b rave con -
fron t
(5 ) No corr ecti on requ ir ed
59. Was i t t h ey wh o wer e accu sed
of st eali n g th e n eigh bou r ’s car ?
(1) Were i t t h ey wh o were
(2 ) Was it t h ey wh o h ad
(3 ) Were th ey wh o
(4 ) Were it th ey wh o
(5 ) No corr ecti on requ ir ed
60. We m u st t reat an y statem en t as
a ru m ou r u n t i l t h ey ar e co n -
fi r m ed with proof.
(1) ti ll th ey ar e con firm ed
(2 ) u n ti l t h ey are con fi rm i n g
(3 ) u n ti l i t i s con firm ed
(4) u n til it is con fir m in g
PHRASEREPLACEMENT
(5 ) No corr ecti on requ ir ed
61. He is th e on ly on e of th e m em -
ber s wh o h av e pai d all th e du es.
(1) m em ber wh o h as paid
(2) m em bers wh o h ave been pay-
ing
(3 ) m em b er wh o h as b een paid
(4 ) m em bers wh o h as paid
(5 ) No corr ecti on requ ir ed
62. Th e d oct or h as ad vised h im t o
l ay i n bed at least for two week s.
(1) th at h e l ay in b ed
(2 ) t h at h e lays i n b ed
(3 ) t o li e i n b ed
(4 ) to be laid i n b ed
(5 ) No corr ecti on requ ir ed
63. Neith er an y of th e m em bers of
t h e soci et y n or th e Ch air m an
w er e p r esen t f o r t h e an n u al
m eet in g.
(1) were p resen t at
(2 ) was presen t for
(3 ) h ave been pr esen t
(4 ) h as b een pr esen t for
(5 ) No corr ecti on requ ir ed
64. We adm ire h i m at t em pt i n g t o
cl i m b th e su m m it i n su ch a bad
weath er.
(1) h is attem ptin g to cl im b
(2 ) h is attem pt of cli m b
(3 ) h im for at tem pt of cli m b
(4 ) h i s for attem pt to cli m bi n g
(5 ) No corr ecti on requ ir ed
65. Stu den ts are not abandonin g hel-
m ets, bu t som e av oi di n g u se of
h elm ets wh ile ridin g m otorbik es.
(1) som e avoid th e u sed
(2 ) som e avoid of th e u se
(3 ) som e ar e avoi din g of u se
(4 ) som e ar e avoi din g u se
(5 ) No corr ecti on requ ir ed
Di r ec t i o n s (6 6 –7 5 ) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
below sh ou ld replace th e ph r ase gi v-
en in bo l d in th e foll owi n g sen ten ce
to m ak e t h e sen ten ce gram m ati cal ly
correct. If th e sen ten ce is correct as
it is an d ‘No cor rect ion is requ i red ’,
m ark (5) as th e an swer.
(UCO Ban k PO Ex am . 2 2.0 3. 200 9)
66. Over -exp loitation of gr ou n d wa-
ter h as l ead t o l ev el s f al l i n g
dr ast i cal l y an d cau se drau gh ts.
(1) h as b een l ed t o l evel s fal l i n g
drastically
(2) was l ead in g level s t o b e fall en
drastically
-166-

(3) h as l ed t o l evels fal lin g dr ast i-
cally
(4) was b ein g led t o level s fell dras-
tically
(5) No correcti on requ ir ed
67. I f y ou sh o u l d n eed m y h el p ,
pl ease feel fr ee to tel l m e.
(1 ) If you are in n eed for
(2 ) If you wou ld n eed
(3 ) Sh ou ld you n eed
(4 ) In case you felt n eed
(5 ) No corr ecti on requ ir ed
68. Gl ob al r ecessi on for ces u s t o
t h i n k t h at p u b l ic an d govern -
m en t sh ou ld n ot st op t o spen d-
i n g m on ey on bu yi n g h ou ses,
cars an d oth er con su m ables.
(1) sh ou ld n ot stop sp en di n g
(2) sh all n ot b e st opp ed to spen d
(3) wi ll n ot st op to spen d
(4) sh ou ld n ot b e stopp in g to spen d
(5) No correcti on requ ir ed
69. Th e boycott by labou r u n ion s on
atten ding to work h ave been l i ft -
ed t em po r ar i l y .
(1 ) h ave been tem p oraril y l ift ed
(2 ) h ave been l ift in g tem por ari ly
(3 ) h ad b een li fti n g tem p orary
(4 ) h as b een lifted tem por ari ly
(5 ) No corr ecti on requ ir ed
70. On e of t h e t er ror i st s ar r est ed
h av e open ed adm i t t an ce that he
h ad r esorted to fi rin g.
(1 ) h ave open adm i ttan ce
(2) h as open ly adm it ted
(3) h as open ed adm i ttan ce
(4 ) h ave been open ad m itt an ces
(5 ) No corr ecti on requ ir ed
71. I.T. experts m ay h av e t o st op
h u n t i n g for b ett er j ob opp ort u -
n i ties as th ese ar e n ot so easi ly
availab le n ow.
(1) m igh t h ave to stop h u n t in g
(2) sh ou l d h ave to stop h u n t
(3) m ay be stoppin g t h e h u n tin g
(4) m u st h ave b een h u n ti n g
(5) No correcti on requ ir ed
72. In r ecen t h el d crick et m at ch es,
m ost of t h e players scored m ore
th an 50 ru n s.
(1) recen t h ol din g
(2 ) r ecen tly h eld
(3 ) r ecen tly h old
(4) recen t h oldi n gs of
(5 ) No corr ecti on requ ir ed
73. A com m ittee com p r i si n g i m m i -
n en t m em b er s fr om var i ou s
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
techn ical in stitu tions was set u p.
(1) com prom isin g with em in en t
(2) com prised im m in en t
(3) com prisin g em in en t
(4) com prisin g of im m in en t
(5) No correcti on requ ir ed
74. Th e yoga session is m ost l i k el i -
h o od t o st ar t at 6.0 0 a.m .
(1) be m ost lik ely st art ed by
(2 ) is m ostl y li k ed to start at
(3 ) i s m ostl y l ik e to starti n g at
(4) is m ost lik ely to start at
(5 ) No corr ecti on requ ir ed
75. He wen t to th e bl ast l oc at i on
t o sav e h i s colleagu e wh o was
st ran d ed th er e.
(1) blastin g l ocation to save
(2) blast l ocat ion for savi n g
(3) bl ast locat ion for safety
(4) bl ast locati on so th at to save
(5) No correcti on requ ir ed
Di r ec t i o n s (7 6 –8 0 ) : Wh i ch of
th e p h rases (1), (2), (3 ) an d (4) given
below each sen t en ce sh ou l d replace
th e p h rase p rin ted in bol d i n th e sen -
ten ce to m ak e it gram m at ically cor -
rect ? If th e sen t en ce i s correct as it
is given an d n o corr ection is requ ir ed,
m ark (5) as th e an swer.
(I n di an Ov er seas Ban k PO
Ex am . 0 5. 0 4. 20 09 )
76. Th e equ i pm en t i s i n su ch poor
con d ition th at we h ave n o al t er -
n at i v e t o b u y n ew on es.
(1) m an y altern ative lik e
(2) an y altern ative except
(3) n o oth er alter n ati ve
(4) n o altern at ive bu t
(5) No correcti on requ ir ed
77. Si n ce t h e d ead l i n e h as b een
ch an ged from n ext week to th is
Th u rsd ay you sh ou ld gi v e t h i s
wo r k pr i o r i t y .
(1) be gi ven th i s work pri ori ty
(2) n ot give pri ori ty th is work
(3) pr iori tised th is work
(4) pr iori ty th i s work
(5) No correcti on requ ir ed
78. After th e su ccess of ou r pr oject
we h ave been receivi n g m or e r e-
qu est s t h an we do n ot h ave t h e
resou rces t o h an d le th em .
(1) m an y requ est s b u t
(2) m ost of th e requ ests
(3) m ore r equ est s th at
(4) too m an y requ ests
(5) No correcti on requ ir ed
PHRASEREPLACEMENT
79. We h ave h i r ed an ad ver t i si n g
agen cy to prepar e a cam pai gn to
en cou r age peopl e v ot es.
(1) people fr om voti n g
(2) votin g for p eop le
(3) peopl e to vote
(4) votes by peop le
(5) No correcti on requ ir ed
80. Du rin g t h e trai n in g p rogram m e
th e n ew recru i ts will be br iefed
abou t h ow t h ei r r ol e in th e n ew
organ isation .
(1) wh at th eir rol es
(2) abou t th eir r ole
(3) for i ts rol es
(4) wh ich ar e th eir role
(5) No correcti on requ ir ed
Di r ect i on s (8 1 –8 5 ) : Wh ich of
th e p h rases (1 ), (2), (3 ) an d (4) given
below each statem en t sh ou ld replace
th e p h rase p rin ted in bol d i n th e sen -
ten ce to m ak e it gram m at ically cor -
rect? If th e sen t en ce is correct as it is
given an d n ocor recti on is r equ ir ed ,
m ark (5) as th e an swer.
(Un i t ed Ban k Of I n d i a PO
Ex am . 2 1. 0 6. 20 09 )
81. Al coh ol i n m od er at e qu an t i t y
boosts concen tration of good ch o-
l est er ol an d i n h i bi t i n g bl o o d
cl ot s.
(1) in h ibits blood clots
(2) in h ibit blood clots
(3) in h ibited blood clots
(4) in h abiting blood clots
(5 ) No corr ecti on requ ir ed
82. On e of th e m ai n fu n ct i on of th e
St ate is m ai n ten an ce of law an d
ord er.
(1) m ai n fu n cti on for
(2) m ai n fu n cti on s of
(3 ) m ain fu n ction s for
(4 ) m ain fu n ct ion s off
(5 ) No correcti on requ ired.
83. We m u st r eal i ze t h at l ear n in g
fr om m i st ak es i s an i m portan t
part of life.
(1) m i stak es are an
(2) m i stak es are a
(3) m i stak e are a
(4) m i stak es h as an
(5) No correcti on requ ir ed
84. Th e swor d of Tipu Su ltan was
recen tly br ou gh t at an au cti on
by an In d ian for Rs. 2 cr ores.
(1 ) br ou gh t in a
(2 ) b rou gh t in an
-167-

(3) bou gh t in an
(4 ) bou gh t at a
(5 ) No corr ecti on requ ir ed
85. Setback s and failu res h as alway s
been an in tegr al part of scien ce.
(1 ) h as always b ein g.
(2 ) were always been
(3 ) h as been always
(4 ) h ave always been
(5 ) No corr ecti on requ ir ed
Di r ec t i o n s (8 6 - 9 0 ) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
below sh ou ld replace th e ph r ase gi v-
en in bol d i n t h e fol lowi n g sen ten ce
to m ak e t h e sen ten ce gram m ati cal ly
m ean i n gfu l an d cor rect . If t h e sen -
ten ce is correct as i t i s an d ‘No cor -
recti on i s r equ ired ’, m ar k (5) as t h e
an swer.
(An dh r a Ban k PO Ex am . 0 5. 07. 200 9)
86. Th e grim job m ark et h as tak en
i t s t oll on st u den t s, m an y o f
t h ose h ad h oped for a m u ch bet-
ter fu tu r e.
(1) m u ch of wh om
(2 ) m an y of wh om
(3 ) several of th ose
(4 ) m an y of wh i ch
(5 ) No corr ecti on requ ir ed
87. Th e rel at ion sh i p we h ave wi th
ou r c l i en t s ar e th e corn erston e
of ou r fu tu r e.
(1) ou r clien t are
(2 ) each cl ien ts is
(3 ) ou r clien ts is
(4 ) all cli en t s are
(5 ) No corr ecti on requ ir ed
88. Man y developed cou n tr ies h av e
been at t em pt i n g to bu y agricu l-
tu ral lan d in oth er cou n tri es to
m eet th eir own dem an d.
(1) h as b een at tem pti n g
(2) h ave bei n g at tem pt in g
(3) ar e bein g attem pti n g
(4) h ave been attem pt ed
(5) No correcti on requ ir ed
89. A n u clear testin g fills th e air with
radioactive du st an d left t h e area
u n in habitable.
(1) an d l eaves t h e
(2 ) also leaves t h e
(3 ) an d leavin g t h e
(4 ) an d m ak i n g to
(5 ) No corr ecti on requ ir ed
90. M od er n i d eas of gover n an ce
st ar t ed bac k t o t h e tim e wh en
people began to qu esti on k in gs.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(1) st arted wh en
(2 ) set b ack to
(3) st art back to
(4 ) d ate back to
(5 ) No corr ecti on requ ir ed
Di r ect i on s (9 1 -9 5 ) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
below each sen t en ce sh ou l d replace
th e p h rase p rin ted in bol d i n th e sen -
ten ce to m ak e it gram m at ically cor -
rect. If th e sen t en ce is correct as it is
gi ven an d ‘No cor rect ion is requ i red ’,
m ark (5) as th e an swer.
(PNB Speci al i st Of f i cer 's
Ex am . 1 6 . 0 8 . 2 0 0 9 )
91. Th e t raders’com m u n ity is u p t o
i n ar m s again st t h e p ol ice on
th ei r fail u re for n ot en su rin g th e
ar rest of wan ted crim i n al s.
(1) u p in ar m in g
(2 ) u p arm
(3 ) u p in ar m s
(4 ) u p to ar m s
(5 ) No corr ecti on requ ir ed
92. Ch ief J u stice an n ou n ced t h at a
tot al of 30 even in g cou rt s wou l d
be st ar t ed i n , all th e five di s-
trict cou rts of th e city by t h e en d
of Decem ber.
(1 ) will be start
(2 ) i s st art ed
(3) will start in g
(4 ) i s b ein g st art ed
(5 ) No corr ecti on requ ir ed
93. If you are plan n in g on gettin g ad-
mission form s to en roll you r child
in sch ool, you m igh t as wel l for -
get t i n g abou t i t .
(1 ) forgets wi th it
(2 ) forget in it
(3 ) forgetti n g it
(4) forget ab ou t it
(5 ) No corr ecti on requ ir ed
94. Police said t h at basi s o n secr et
in form ation , a t rap was l aid an d
th e crim i n al was arrested n ear
th e st ation .
(1 ) as basis of (2) t h at based on
(3 ) as base on (4) th at base in
(5 ) No corr ecti on requ ir ed
95. Wi t h or der t o h elp ou tst ati on
can di dates p lan n in g t o m ove to
th e city, a few colleges load t h eir
application form s on lin e.
(1 ) In or der to (2) As ord er in
(3 ) Alon g wi th ord er to
(4 ) In or der in g to
(5 ) No corr ecti on requ ir ed
PHRASEREPLACEMENT
Di r ec t i o n s (9 6 –1 0 0 ) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
below each statem en t sh ou ld replace
th e ph rase gi ven i n bol d in th e fol low-
i n g sen t en ce t o m ak e t h e sen t en ce
gramm atically m eanin gfu l and correct.
If th e sen ten ce is correct as i t i s an d
‘No correcti on is r equ ired’, m ar k (5)
as th e an swer.
(Cor p or at i on Ban k PO
Ex am . 2 2 . 1 1 . 2 0 0 9 )
9 6 . Th e cor ru p ti on ch ar ges wer e a
h u ge b low to h is repu t ation an d
h i s bu si n ess su ff er ed t o a great
ex ten t .
(1) h i s b u si n ess su ffers to
(2) h i s b u sin ess su ffer ed on
(3) h i s b u si n ess su fferi n g to
(4) h i s b u si n ess su ffers on
(5) No correcti on requ ir ed
9 7 . Ai rlin e com p an ies p ay n ear ly 25
bi llion d oll ars for t h ei r r i gh t of
fl y over th e cou n t ries oth er th an
th eir par en t cou n tr y.
(1) th eir righ t to fly
(2 ) t h ei r r igh t i n flyi n g
(3 ) t h ei r r igh t t o flyi n g
(4 ) t h er e r igh t t o fligh t
(5 ) No corr ecti on requ ir ed
98. Wh en h e fell down t h e ditch , h e
shou ted with all his migh t so t h at
t o cat c h som eon e’s atten tion .
(1) su ch t h at to cat ch
(2 ) so as to cat ch
(3 ) so t h at to cat ch i n g
(4 ) so t h en to cat ch
(5 ) No corr ecti on requ ir ed
9 9 . To dispar ity between th e earn in gs
of th e poor and th e rich h as wi den
i n t h e last few decades.
(1) h ave wid en in
(2 ) h as widen ed on
(3 ) h ave wi den ed in
(4 ) h as widen ed in
(5 ) No corr ecti on requ ir ed
1 0 0 . I n st ead of t eac h i n g abst r act ed
con cepts, th e n ew an d im p roved
t ex t b oo k s t el l st o r i es of r eal
people so th at t h e ch i ldren can
id en t ify wi th t h e ch aracter s.
(1) In spit e of teach i n g abst ract ed
(2 ) In stead of tau gh t abstract
(3 ) In st ead of teach i n g abstract
(4 ) In spi te of tau gh t abstract
(5 ) No corr ecti on requ ir ed
Di r ect i on s (1 01 –10 5) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
below each statem en t sh ou ld replace
-168-

th e ph rase gi ven i n bol d in th e fol low-
i n g sen t en ce t o m ak e t h e sen t en ce
gramm atically m eanin gfu l and correct.
If th e sen ten ce is correct as i t i s an d
‘No correcti on is r equ ired’, m ar k (5)
as th e an swer.
(I n di an Ban k Rur al M ar k et i n g
Of f i cer Ex am . 2 2. 11 .2 00 9)
101. Th is decision by th e govern m en t
m ak i n g i t easi er for com pan ies
to at tract t alen t from ab road.
(1) m ak e easi er
(2 ) h as m ade easy
(3 ) wi ll m ak e it easy
(4 ) m ak e it easi er
(5) No correcti on requ ir ed
102. We are cu rren tly facin g an eco-
n om i c d ow n t u r n an d even a
sl igh t in crease in dem an d wi l l
ben efi t t o o u r sel v es.
(1) h as b en efited ou rselves
(2 ) will ben efi t fr om u s
(3 ) we will ben efit
(4 ) will be ben efici al to u s
(5) No correcti on requ ir ed
103. No t l i k e t h at t h e m att er is go-
in g to be resolved in on e m eet-
in g as th e i ssu e i s qu ite com pl i-
cat ed.
(1) Mostly u nlik ely
(2) Ver y u n l ik e t h at
(3) Un l ik ely h ow
(4) It is u n lik ely th at
(5) No correcti on requ ir ed
104. Th e n ext two m on th s are goi n g
t o b e ver y h ect i c as t h er e i s
m o r e si x p r oj ect s h ave b een
sch ed u led.
(1) wi th six m ore
(2 ) as m ore th an six
(3 ) stil l t h ere ar e six oth er
(4 ) becau se th er e are stil l six
(5) No correcti on requ ir ed
105. Th e work sh op was j oi n t l y h el d
by t h e t w o col l eges t o cr eat e
aw ar en ess ab ou t var i ou s ca-
r eer s.
(1) h as joi n tly h eld in
(2) will b e join t h oldin g
(3) was a join t h ol din g for
(4) is been joi n tl y h eld wi th
(5) No correcti on requ ir ed
Di r ect i on s (10 6 –1 1 0) : Which of
th e p h rases (1 ), (2), (3 ) an d (4) given
below sh ou ld replace th e ph r ase gi v-
en in bol d in each of th e followin g sen -
t en ces t o m ak e i t m ean i n gfu l an d
gram m ati cally correct. If th e sen ten ce
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
is correct as it is an d ‘No correcti on is
requ i red’, m ark (5) as th e an swer.
(I n di an Ban k PO Ex am . 17. 10. 201 0)
106. We adm ire t h ey ar e t ak i n g th is
step despite th e n u m erou s r isk s
in vol ved.
(1) th em t o tak e
(2) th em for tak i n g
(3) th at th ey h ave tak en over
(4) h ow t h ei r t ak i n g of
(5) No correcti on requ ir ed
107. We h ave accepted over two bi l-
li on doll ars fr om t h em y et i t i s
been u sed t o b u il d h osp itals in
th e area.
(1) th at i s yet to u se
(2) al th ou gh it h as b een u sed
(3) n ot yet b ein g u sed
(4) wh ich wil l b e u sed
(5) No correcti on requ ir ed
108. Peopl e h ave r espo n d i n f av o u r
th e govern m en t’s efforts t o r e-
solve th e bu dget cr isi s.
(1) favou rab ly r esp on d ed
(2) respon se in favou r of
(3) respon ded favou rab ly to
(4) been respon din g favou rably
(5) No correcti on requ ir ed
109. Th e m an agem en t h as b een left
with no option else t o ch an ge the
br an ch ti m in gs to avoid l osi n g
bu sin ess.
(1) bu t t o ch an ge
(2) ex cep t t h e ch an ge of
(3) u n less i t ch an ges wi th
(4) ot h er th an th e ch an gi n g
(5) No correcti on requ ir ed
110. St r i k i n g t h i s deal wi ll enable the
com p an y to exp an d it s op er a-
ti on s in Eu rop e.
(1) St rik e th is deal th at
(2) To st rik e off t h is deal
(3) By st rik i n g th i s deal to
(4) Th is deal was stru ck wh i ch
(5) No correcti on requ ir ed
Di r ect i on s (11 1 –1 1 5) : Which of
th e p h rases (1), (2), (3 ) an d (4) given
below sh ou ld replace th e ph rase given
in bo l d in th e foll owi n g sen ten ce to
m ak e it meaningfu l an d gramm atically
correct. If th e sen ten ce is correct as
it is an d n o correction is requ ired m ark
(5 ) as th e an swer.
(Cor p or at i on Ban k PO
Ex am . 0 9. 0 5. 20 10 )
111. Ban k s ch arge di fferen t l y rat e of
i n t er est d epen di n g on th e si ze
of th e loan .
PHRASEREPLACEMENT
(1 ) d ifferen ce in rat e of i n terests
(2 ) di ffer en tl y wh at rate of in ter -
est
(3 ) di fferen t rates of in t erest
(4 ) t h e d ifferen t r ate of in t erest
(5 ) No corr ecti on requ ir ed
112. It is n ecessar y t h at we t ak e an y
st eps to red u ce pol lu t ion soon .
(1 ) we sh ou l d t ak e every
(2 ) we h ave tak en n o
(3 ) u s to tak e an y
(4 ) we t ak e som e
(5 ) No corr ecti on requ ir ed
113. It i s t oo early t o say h o w t h e
i m pac t t h e n ew tax will h ave on
in vestors
(1) wh at im pact
(2 ) t h at th e i m pact
(3 ) h ow m u ch im pacts
(4 ) wh at are th e i m pacts of
(5 ) No corr ecti on requ ir ed
114. Kin dly ask h i s adv i ce regar di n g
the variou s health insu ran ce poli-
ci es presen tly avail abl e.
(1 ) h im to advice th at
(2 ) r egar din g h is advi ce
(3 ) t h at h e sh ou l d advi ce
(4 ) abou t h i s advi ce
(5 ) No corr ecti on requ ir ed
115. Unfortu n ately man y of ou r town s
an d ci ties do h av e m or e go od
tran spor tation syst em .
(1 ) h ave a good
(2 ) n ot h ave good
(3 ) n ot h ave m u ch good
(4 ) n ot h avi n g b ett er
(5 ) No corr ecti on requ ir ed
Di r ect i on s (11 6 –1 20 ) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
below each statem en t sh ou ld replace
th e p h rase p rin ted in bol d i n th e sen -
ten ce to m ak e it gram m at ically cor -
rect ? If th e sen t en ce i s correct as it
is given an d ‘No correction is requ ired,’
m ark (5) as th e an swer.
(Pun j ab & Si n d Ban k PO
Ex am . 1 6. 0 5. 20 10 )
116. A twen ty-fir st cen tu r y econ om y
can n ot be h el d h ostage by pow-
er cu ts n or tr avel on n i n et een th
cen tu ry r oad s.
(1 ) can n ot b e h old
(2 ) can eit h er be h eld
(3 ) can n eit h er be h eld
(4 ) can eit h er be h old
(5 ) No corr ecti on requ ir ed
-169-

117. Th e com pan y’s p h il osoph y is to
m ak e su r e t h at th e em pl oyees
ar e h appy, h ave th e abili ty to be
intellectu ally stimu lated and con -
t r i bu t es t o war ds t h ei r gr o wt h .
(1 ) con tr ibu te to th eir growth
(2) con tribu te towards its growth
(3) con tribu tes towards its grow-
ing
(4 ) con t rib u te to its gr owi n g
(5 ) No corr ecti on requ ir ed
118. Ev en t h ou gh m an y co m pan i es
ar e n ow pen etr atin g r u ral In dia,
it wou ld h el p t o gi ve In d ia a real
ch an ce of witn essi n g a d ou b le
di git GDP gr owt h .
(1) Despite m an y com pan ies are
(2 ) As m an y com pan y is
(3) Besides m an y com pan ies are
(4 ) Sin ce m an y com pan ies are
(5 ) No corr ecti on requ ir ed
119. Today, govern m en ts are in tr o-
du cin g m ore an d m ore tech n ol-
ogy i n to th eir system to ad dress
th e n eeds of cit izen s at a pace
fast t h an t h at of m an u al opera-
tions.
(1 ) fast er t h an th at of
(2 ) fast er th an t h ose for
(3 ) fast th an th at for
(4 ) m ore th an th at in
(5 ) No corr ecti on requ ir ed
120. Mak in g good sch ool edu cat ion a
r eal i t y w o u l d r eq u i r e m aj o r
ch an ges i n exist in g sch ool sys-
tem wi th exp an si on at both sec-
on dar y an d elem en t ary level s.
(1) sh ou ld requ ires m ajor ch an g-
es
(2) wou ld requ ir es m ajor ch an ge
(3 ) m u st requ ir e som e ch an ges
(4) requ ire m aj or ch an ges
(5 ) No corr ecti on requ ir ed
Di r ect i on s (1 21 –12 5) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
below each sen t en ce sh ou l d replace
th e ph rase gi ven i n bol d in th e fol low-
i n g sen t en ce t o m ak e t h e sen t en ce
gramm atically m eanin gfu l and correct.
If th e sen ten ce is correct as i t i s an d
‘No correcti on is r equ ired’, m ar k (5)
as th e an swer.
(Ban k Of Bar oda PO
Ex am . 3 0 . 0 5 . 2 0 1 0 )
121. After en j oyi n g on e of th e bi ggest
su ccesses of In d ian ci n em a, t h e
actor i s pul l ed t h e brak es on his
car eer.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(1) h as p u tti n g brak e
(2) h as pu lled t h e b rak es
(3) is br ak i n g
(4) is pu t b rak es
(5) No correcti on requ ir ed
122. Man y of ou r tin sel town beau -
ti es wi l l h i t t h e pan i c bu t t o n if
t h ey d i d n ’t h ave at l east on e
m ovie i n h an d.
(1) wou ld h it pan ick y bu t ton s
(2) wou ld h it t h e p an ic bu t ton
(3) wi ll b e h itti n g pan i c b u tton s
(4) h ave h i t pan ick y bu t ton
(5) No correcti on requ ir ed
123. Al ar m t o declin in g m arriage fig-
u r es an d i n cr easi n g d i vor ce
rates, th e govern m en t h as com e
u p with a n ovel way to tack le th e
issu e.
(1) Alarmingly on
(2) Alarm in g as
(3) Alarm s with
(4) Alarm ed by
(5) No correcti on requ ir ed
124. Th e t wo sist ers dr opp ed i n t o
watch th e fi lm wit h n on e oth er
th an t h ei r fath er.
(1) dr oppi n g in for
(2) dr opp ed by as
(3) dr op on to
(4) dr opp ed i n for
(5) No correcti on requ ir ed
125. Th e resear ch ers fou n d th at ch il-
dren with lu n g disease ar e at i n -
cr ease r i sk for developin g a sec-
on d t ype of pn eu m on i a.
(1) were at in creased ri sk
(2) is in creasin gl y risk in g
(3) is in creased risk y
(4) ar e i n cr easin gly risk y
(5) No correcti on requ ir ed
Di r ect i on s (12 6 –1 3 0) : Which of
th e p h rases (1), (2), (3 ) an d (4) given
below each sen t en ce sh ou l d replace
th e word / ph rase p rin ted in bol d i n
th e sen t en ce to m ak e it gram m at ical-
ly correct ? If th e sen t en ce is correct
as it is given an d n o correction i s r e-
qu ired , m ark (5) as th e an swer.
(Cen t r al Ban k Of I n d i a PO
Ex am . 2 5 . 0 7 . 2 0 1 0 )
126. Th e poor Brah m in led a h an d t o
m o u t h fu l ex i st en ce an d cou ld
u se an y job wh i ch pai rd h im a
little.
(1) handfu l to mou thfu l existen ce
(2 ) h an d to m ou th existen ce
PHRASEREPLACEMENT
(3 ) h an di n g for m ou th fu l exist-
ing
(4) h an d an d m ou t h ex ist
(5 ) No corr ecti on requ ir ed
127. In or der to ear n i n g dec en t l i v -
i n g we n eed to h ave a good j ob
wh ich pays a su bstan tial am ou nt
of m on ey.
(1 ) earn ed d ecen cy li fe
(2 ) earn i n g decen cy li ve
(3 ) earn a d ecen t l ivi n g
(4 ) earn ed d ecen tly li fe
(5 ) No corr ecti on requ ir ed
128. We wen t to th e fam ou s restau -
r an t t o eat an d wer e ser v ed
pi ped h ot food.
(1) served p ipin g h ott er
(2 ) servin g pip e h ot
(3 ) served p ipin g h ot
(4 ) serve pi pe h ott en
(5 ) No corr ecti on requ ir ed
129. Ak sh ay con si d er ed Su r esh a
com plete pai n i n t h e n eck as h e
k ept ask i n g baseless qu est ion s.
(1 ) p ain in g in th e n eck
(2 ) p ain l ess n eck
(3 ) p ain fu l n eck s
(4 ) p ain in n eck i n g
(5 ) No corr ecti on requ ir ed
1 3 0 . I j u m p t h r ou gh h oop to fi n i sh
th is project i n ti m e bu t was n ot
rewar ded adequ atel y.
(1) ju m ped th rou gh h oops
(2) ju m pin g for h oopin g
(3) ju m ped on h oop
(4) ju m pin g from h oop
(5 ) No corr ecti on requ ir ed
Di rect i on s (1 3 1-1 4 0 ) : Which of
th e ph rases (1), (2), (3), (4) an d (5) given
below each sen t en ce sh ou l d replace
th e word / ph r ase in bol d i n th e sen -
ten ce to m ak e it gram m at ically cor -
r ect .
(PNB M an agem en t Tr ai n ee
Ex am . 2 8. 1 1. 20 10 )
131. Wh i l e th ese ci rcu m st an ces d o
n ot ex on erate t h ei r ac t i o n s on
t h e l east , th ese are sign s of h ow
econ om ic bit ter n ess can create
h i gh soci al cost s.
(1) th e action s on th e least
(2) th e acti on s on th eir least
(3) th eir action s at t h e least
(4) th eir action s i n t h e least
(5) al l t h eir action s on th e least
132 Th ere is a u r gen t n eed t o l o ok
at altern ative sou rces of pot able
-170-

w at er i n p l aces w h er e w at er
qu ality h as deteriorated sh arply.
(1) an u rgen cy t o look on
(2) an u r gen t n eeds to look for
(3) an u r gen t n eed to look i n g at
(4) an u r gen t n eed to look for
(5) always u rgent n eed to look for
an d at
133. TISCO h ad b egu n t o p r od u ce
st eel in th e early twen ti eth cen -
tu ry, bu t th e Brit ish Ch ief Com -
m ission er of th e In dian Railways
h ad swor n t o ‘eat every pou n d
of steel rail’they m ade, i f i t wer e
t o m eet Br i t i sh Speci fi cat i on s.
(1) if it ever m et B rit ish specifi-
cation s
(2) as it n ever ever m et Br iti sh
specification s
(3) p rovid ed i f it wer e t o m eet
British specification s
(4) u n less i t were to m eet Bri t-
ish sp eci fication s
(5) on ly if th ey tried to m eet Brit-
ish sp eci fication s
134. No t o n l y do es ch i l d r en h av e
fewer ch an ces of su rvivin g an d
are u n derfed th ey also lack edu -
cation al opportu n ities.
(1) Not on ly di d ch ild ren h ave
(2 ) Not on l y d oes th e ch ild h ave
(3) Not on ly does t h e ch il d h as
(4) Not d o ch il dren h ave on ly
(5) Not on ly do ch ild ren h ave
135. Bu t equ al ly, it sh ou l d be m ade
cl ear th at t h er e i s n o escap e for
th ose wh o t ak e j u st i ce t o t h ei r
own h an d.
(1) t ak e j u st i ce on t o t h e own
h ands.
(2) tak e ju stice on t o t h ei r own
hand.
(3) t ak e j u sti ce i n t o t h eir own
h ands.
(4) tak e ju stices in t o t h ei r own
h ands.
(5) t ook j u st ice i n t o t h ei r own
hand.
136. Th e m id-d ay m eal sch em e h as
h elped bu t sh ou l d i t h av e been
l i n k ed l ess wi th t h e sch ooli n g
system an d m ore wi th th e h u n -
ger patter n .
(1) bu t shou ld it h ad been lin k ed
less
(2) bu t sh ou l d i t n ot h ave been
li n k ed less
(3) b u t i t sh ou l d b een l i n k ed
lesser
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(4) bu t it shou ld h ave been lin k ed
less
(5) bu t it shou ld h ad been lin k ed
less
137. Th e govern m en t is su ppo se t o
m o n i t or t h e i m por t of h azar d-
ou s wast e wh i ch en t er s In d i a
th r ou gh a gap in th e law t h at al-
lows th e im por t of waste for r e-
cycl in g.
(1) su p posed l y to m on i t or t h e
im por t of
(2) su pposed for m on it orin g t h e
im por t of
(3) su pposed to m on itor th e i m -
port of
(4) su pposed to m on itorin g t h e
im por t of
(5) su pposed to m on itor th e i m -
porti n g of
138. I t i s bei n g st i l l n ot r eal i zed
t h at th er e is defin ite con n ection
between edu cati on , good m ot h -
erh ood an d efficien t h ou se m an -
agem en t.
(1 ) It st ill n ot bei n g real ized th at
(2) It is sti ll n ot bein g realized
that
(3) It n ot is st ill bein g realized
that
(4) It is st ill n ot reali zed th an
(5 ) It was stil l n ot r eal ized wh en
139. Accor din g to ch ild ri gh ts activi-
ties to avoid cr i m es on ch i l dr en
i t i s i m p or t an t to h ave com m u -
n ity level ch ild protection m echa-
n i sm s l i k e com m u n i t y wat ch
dogs an d com m it tees for ch i ld
p r ot ect i on , ch i l d wel far e an d
an ti-traffick in g. Th ese will cr e-
at e an in terface b et ween com -
m u n i t i es a n d s t a t e/ d i st r i c t
m ech an ism s.
(1) cr im es over ch i ldr en i t was
im portan t
(2) cr im es of ch il dren i t i s i m -
portan t
(3) cr im es over ch i ldr en it i s i m -
portan t
(4) cr im es agai n st ch i ldr en it is
im portan t
(5) cr im e on to ch il dren i t i s i m -
portan t
140. Wh ile th e accep tan ce of m an ’s
gen d er r ole h as b een wil li n gly
tak en u p by wom en , t h e sam e
do n o t al way s h ol ds t r u e f or
m en .
(1) t h e sam e d oes n ot al ways
h old t ru e for m en .
PHRASEREPLACEMENT
(2) t h e sam e d oes n ot al ways
h olds tr u e for m en .
(3) th e sam e d oes always h old
tr u e for m en .
(4) th e sam e does n ot h old tr u e
for al ways m en .
(5) It s d oes n ot h ol d t r u e for
m en .
Di r ec t i o n s ( 1 4 1 –1 4 5 ) : Wh i ch
of th e p h rases (1 ), (2), (3 ) an d (4) gi v-
en b el ow each sen ten ce sh ou ld re-
pl ace th e p h rase p rin ted in bo l d in
th e sen t en ce to m ak e it gram m at ical-
ly correct? If th e sen ten ce is correct
as it is given an d n o correction i s r e-
qu ired , m ark (5) as th e an swer.
(Ban k Of M ah ar ash t r a
Ex am . 1 9. 1 2. 20 10 )
141. After k eepin g a ten -year -old in
deten tion for arou n d six days,
th e police fi n al l y r egi st er ed a
case of frau d again st th e ch i ld
an d sen t h im to jai l.
(1 ) h as fin ally regist er
(2 ) fin al register ed
(3) is fin ally r egistrat ion
(4 ) i s fi n al regist eri n g
(5 ) No corr ecti on requ ir ed
142. Wh i ch ev er r eason s, th ere is n o
den yi n g t h e ch an gi n g atti tu d es
t o t r adi t i on s as well as l i vel i -
h oods, b y i m pl icat ion to th e en -
vi ron m en t as wel l.
(1 ) Wh ich ever t h e reason i n g
(2 ) Wh ich ever reason ed
(3 ) Wh at ever r eason i n g
(4 ) Wh atever th e reason s
(5 ) No corr ecti on requ ir ed
143. Vi si t in g t h e vi l l age i s l i k e be
t r an sport ed into some other cen-
tu ry.
(1 ) alik e t o t ran sport
(2 ) l ik e bein g tran sp ort ed
(3 ) l ik ely to b e t ran sporti n g
(4 ) l ik es t ran sport
(5 ) No corr ecti on requ ir ed
144. En vir on m en t ali sts h as pay l i t -
t l e h eed t o t h e ‘softer ’ aspects
of th e m ovem en t , of wh ich t h e
n eed to ch an ge ou r cu ltu re is on e
of th e m ost im por tan t.
(1 ) i s p ayi n g lit tle h eed
(2 ) are payin g lit tle h eedi n g
(3 ) h as pai d l itt le h eeds
(4 ) h ave paid lit tle h eed
(5 ) No corr ecti on requ ir ed
145. Even in a ch an gi n g worl d, we
can n ot wi sh es away th e In dian
-171-

nation and replace it with a world
govern m en t over n igh t.
(1 ) can n ot wish away
(2 ) can n ever wish in g ou t
(3 ) can n ot wish ou t
(4 ) n ever wi sh es ou t
(5 ) No corr ecti on requ ir ed
Di r ec t i o n s (1 4 6 –1 5 0 ) : Wh i ch
of th e p h rases (1 ), (2), (3 ) an d (4) gi v-
en below each statem en t sh ou l d r e-
pl ace th e p h rase p rin ted in bo l d in
th e sen t en ce to m ak e it gram m at ical-
ly correct ? If th e sen ten ce is correct
as it is given an d n o correction i s r e-
qu ired , m ark (5) as th e an swer.
(Or i en t al Ban k Of Com m er ce PO
Ex am . 26 .12 .20 10 (I st Si t t i n g)
146. MB A i s th e acm e of a stu d en t ’s
dr eam s, b u t as a p ost -gradu ate
qu ali fication i t h as been so di s-
torted i n i ts execu t ion so as t o
l o se n ear l y al l t h e origin al i n -
ten t.
(1 ) t h at it h as lost n ear ly
(2 ) to lose alm ost
(3 ) so as to lost n ear ly
(4 ) an d h as lost n ear ly
(5 ) No corr ecti on requ ir ed
147. Br iti sh con servati on ists, wh i ch
wer e i n Mu m bai on March , h ave
ap pealed to th eir In d ian cou n -
terparts to m ak e a case for pr e-
ser vin g th e cit y’s derelict -cot ton
mills.
(1 ) wh ich were at Mu m b ai on
(2 ) wh o was in Mu m b ai at
(3 ) wh ich were on Mu m b ai on
(4 ) wh o wer e i n M u m b ai in
(5 ) No corr ecti on requ ir ed
148. Th is d rou gh t, i n t h e fi ft h co n -
secu t i v e y ears, m u st be u sed as
an opp ort u n i ty t o affect ch an g-
es in practi ces for th e m an age-
m en t of ou r wat er r esou r ces
w h er e ever y com m u n i t y an d
h ou seh ol d is i n volved.
(1 ) on th e five con secu ti ve years
(2 ) i n fift h con secu t ive year
(3 ) for t h e fifth con secu tive year
(4 ) i n five con secu ti ve years
(5 ) No corr ecti on requ ir ed
149. Medical tou rism wi ll n ot m ak e
an y d ifferen ce to In d ian h ealt h -
care despi t e i t wi l l m ean m o r e
gr eat pr ofi ts for pri vat e h osp i-
tals bu t will n ot create su bsidised
tr eat m en t for In d ian s.
(1 ) h owever it will resu l t gr eat er
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(2 ) becau se it wil l m ean m or e
great
(3 ) as it wi ll m ean gr eat er
(4 ) also it wi ll m ean m ore great
(5 ) No corr ecti on requ ir ed
150. W i t h w est er n f as t f oo d an d
br an d n am e sodas gain in g foot-
h old, In d ia is i n cu bat in g a n ew
p u b l i c h eal t h cr i si s b y b ei n g
forced t o ch oose bet ween erad-
icatin g hu nger and treatin g th ose
wh o are overweigh t.
(1 ) forced t o t reat between
(2 ) forci bly ch oosin g bet ween .
(3 ) forced t o ch oose for
(4 ) forcin g to tr eat between
(5 ) No corr ecti on requ ir ed
Di r ect i on s (1 5 1 –1 5 5 ) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
below each sen t en ce sh ou l d replace
th e word / ph rase p rin ted in bol d i n
th e sen ten ce to m ak e it gram m atically
correct? If th e sen ten ce is correct as
i t i s given an d n o cor r ect i on is re-
qu ired , m ark (5) as th e an swer.
(I n di an Ban k PO Ex am . 02. 01. 201 1)
151. Th e actr ess, wh o was in th e ci ty
for th e p ress con feren ce of h er
d an ce r eal i t y sh ow, say s sh e
ch ose th e sh ow becau se of h er
passi o n at e for d an ce.
(1) bein g passi on in dan ce
(2) passion at e for d an ci n g
(3) bein g passion ate in d an ci n g
(4) passi on for dan ce
(5) No correcti on requ ir ed
152. Despi t e of several r epr esen t a-
tion s an d rem in ders, th e district
administration h ad not tak en any
action to stem th e system atic en -
cr oach m en t of water bodies.
(1) Becau se of
(2) Desp it e
(3) Althou gh
(4) In spi te
(5) No correcti on requ ir ed
153. Wh ile it is well-k n own th at th ere
are large-scale leak ages from th e
pu blic distribu tion system across
t h e cou n t r y , t h er e ar e m an y
st ates wh ich h ave m an age su c-
cessfu l r efor m th e pu blic distri-
bu tion system an d del iver food
gr ain to th e poor.
(1) m an aged t o su ccessfu ll y r e-
form
(2) m an aged su ccessfu l r efor m s
(3) m an agin g su ccessfu lly to re-
form
PHRASEREPLACEMENT
(4) m an aged for su ccessfu lly re-
form in g
(5) No correcti on requ ir ed
154. Th e fou r -day work sh op is bei n g
con du cted for gear u p ad m in i s-
tr ati on to th e ch an ges t h at wi ll
follow wi th th e im plem en t ati on
of th e Ri gh t to Com pu lsor y an d
Fr ee Edu cati on Act 200 9.
(1) so geared u p
(2) to gear u p
(3) for gear ed u p
(4) to geari n g u p
(5) No correcti on requ ir ed
155. Th e cou r t refu sed t o pr ov i de r e-
l i ev e t o t h e pet iti on er an d stat-
ed th at p lyi n g of all diesel veh i-
cl es was ban n ed with im m ed i-
at e effect.
(1) pr ovi sion of r eli ef
(2) pr ovi din g of relieve
(3) pr ovid e an y reli ef
(4) pr ovi de r eli evi n g
(5) No corr ecti on requ ir ed
Di r ect i on s (1 5 6 –1 6 0 ) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
below each sen t en ce sh ou l d replace
th e word / ph rase p rin ted in bol d i n
th e sen t en ce to m ak e it gram m at ical-
ly correct? If th e sen ten ce is correct
as it is given an d n o correction i s r e-
qu ired , m ark (5) as th e an swer.
(Un i on Ban k Of I n d i a PO
Ex am . 0 9. 0 1. 20 01 )
156. Th e ab du ct ion an d ret u rn of t h e
local leader wit h in twen ty fou r
h ou r s on Wed n esd ay h as l ef t
so m e l ose en d t h at h ave been
in trigu in g in vesti gators p robi n g
th e case.
(1) left som e l oosen ed en din gs
(2) been leavin g som e loosen i n g
en ds
(3) leave som e l ose en ds
(4) left som e loose en ds
(5) No correcti on requ ir ed
157. Accord in g to th e in vestigator s,
th e h am m er u sed i n t h e cri m e
was t h e on e wh o i s u sed by se-
cu rity gu ard to sou n d th e h ou r -
ly bell on a m etal pl ate wh i le on
du ty.
(1) ar e t h ose on es wh i ch
(2) was t h e on e th at
(3) wh ich on e
(4) is on es th at
(5) No correcti on requ ir ed
-172-

158. Th e frau d com es at a tim e wh en
the u n regu lated microfin an ce in -
du str y is facin g a cri sis on i t s
way o f h igh in t erest rates an d
low r epaym en t of l oan s.
(1 ) becau se m an n er of
(2 ) si n ce ways are
(3 ) way of
(4) in th e way of
(5 ) No corr ecti on requ ir ed
159. Pr el i m i n ar y i n vest i gat i on r e-
vealed th at th e wom an h ad com -
m itted su icide on accoun t of h er
failed attem p t to en t er th e cou n -
tr y.
(1 ) in pl ace of
(2 ) b ein g d epr essed of
(3 ) i n b eli ef of
(4 ) reason bei n g
(5 ) No corr ecti on requ ir ed
160. Fr u st rat ed fam ilies of t h e m iss-
in g people h av e sou gh t access
to al l docu m en t s an d data con -
cern in g t h e sear ch , an d th e i n -
cl u si on of in t ern ation al ex per ts
in t h e in qu iry.
(1 ) h ave sou gh t accessi n g
(2 ) is seek i n g access
(3 ) are seek in g accessed
(4 ) h as sou gh t accesses
(5 ) No corr ecti on requ ir ed
Di r ect i on s (1 6 1 –1 6 5 ) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
below each sen t en ce sh ou l d replace
th e p h rase p rin ted in bol d i n th e sen -
ten ce to m ak e it gram m at ically cor -
rect? If th e sen t en ce is correct as it is
gi ven an d n o correcti on is r equ ired,
m ark (5) as th e an swer.
(Cor p or at i on Ban k PO
Ex am . 1 6 . 0 1 . 2 0 1 )
161. Al th ou gh scared of h ei gh ts, sh e
gat h er all h er cour age an d stood
at op th e 2 4-storey b u il din g to
parti cipate in th e activi ties.
(1) gath ered all h er cou rage
(2) gath ered all cou rageou s
(3) gath er all cou rageou s
(4) is gath ered all cou rage
(5) No correcti on requ ir ed
162. Natu r all y, wit h ever yth in g go n e
so wel l for th em , it was tim e for
celebration .
(1) go so well
(2) goin g so well
(3) gon e as well
(4) goin g as well
(5 ) No corr ecti on requ ir ed
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
163. Th e b an was i m p osed b y t h e
state’s com m ercial taxes depart-
m en t l ast Fr iday after protests
by a cer tai n com m u n it y, wh i ch
h ad t h reat t o bur n cin ema h alls
s c r een i n g t h e c o n t r o v er si a l
movie
(1) h ad t h reats of bu rn i n g
(2) h ad t h reated to bu rn
(3) h ad t h reaten ed to bu rn
(4 ) h ad th r eaten ed to bu rn i n g
(5) No correction r equ ired )
164. Rak esh , an avid football p layer
who captain ed h is team in sch ool
an d college, wi l l i n au gu r at e th e
m atch tom orr ow in Pu n e.
(1) will be in au gu rate
(2) is inau gu ration
(3) will inau gu ratin g
(4) is in au gu rate
(5) No correcti on requ ir ed
165. At a m u si cal n igh t organ ised for
th em , th e artistic side of th e doc-
tors cam e as for war d, as th ey
san g beau ti fu ll y an d m ad e t h e
even in g t ru ly m em orab le.
(1) com e forward
(2) com e to th e fore
(3) cam e to t h e for th
(4) cam e to th e fore
(5) No correcti on requ ir ed
Di r ect i on s (16 6 –1 7 5) : Which of
th e p h rases (1), (2), (3), (4) given b e-
low each sen ten ce sh ou ld rep lace t h e
ph rase p rin ted in bol d t ype to m ak e
th e sen t en ce gram aticall y corr ect ? If
th e sen ten ce is cor rect m ark (5) i.e.
‘No correction requ ired’as th e an swer.
(Pun j ab & Si n d Ban k PO
Ex am . 2 3. 0 1. 20 11 )
166. Please t ak e ou t y ou r sh oes an d
pu t ou t t h e l i gh t .
(1) t a k e ou t y ou r s h oes a n d
switch off t h e ligh t
(2) tak e ou t you r sh oes an d p u t
on th e ligh t
(3) tak e off you r sh oes an d p u t
ou t th e ligh t
(4) pu t off you r sh oes an d switch
off t h e ligh t
(5) No correcti on requ ir ed
167. On ac c o u n t o f sh e l ack ed a
sen se of respon sib ili ty I con fi s-
cated th e k eys.
(1) On accou n t th at h er
(2) On accou n t sh e
(3) On accou n t th at sh e
(4) Becau se sh e
(5) No correcti on requ ir ed
PHRASEREPLACEMENT
168. We are con st an t l y su r r ou n di n g
of so u n d s an d n oise.
(1) con stan tly su rrou ndin g abou t
sou n ds
(2) con st an t l y su r r ou n d in g b y
sou n ds
(3) con st an t l y su r r ou n d ed b y
sou n ds
(4) con stan tly su r rou n din g with
(5) No correcti on requ ir ed
169. I l eav e i n h u r r y b ecau se it was
getti n g dar k .
(1 ) l eft wi th h u r ry
(2) leave wi th h u r ry
(2 ) l eave an d h u r ry
(4 ) h u rri edl y left
(5 ) No corr ecti on requ ir ed
170. Sach in i s ol d er o f t h e two son s.
(1) is ol der th an
(2) wi ll be old er of
(3) is el der th an
(4) is th e el der of
(5) No correcti on requ ir ed
171. I can n ot dan ce t h e m u si c l ik e I
di d b efor e t h e acci den t.
(1) dan cin g
(2) dan ce for t h e m u sic
(3) dan ce by th e m u sic
(4) dan ce to th e m u sic
(5) No correcti on requ ir ed
172. Wh en th e ch ild i s bei n g bor ed
an d n ot o ccu pi ed i s also m i s-
ch i evou s.
(1) h as boredom an d n o occu pa-
ti on h e
(2) was b ored an d n ot occu pi ed
he
(3) is bored an d u n occu pied th at
he
(4) is bored an d u n occu pi ed h e
(5) No correcti on requ ir ed
173. America h as an n oun ced plan s t o
sh u t u p r ecr u it m en t agen cies.
(1) will ann ou n ced plan s to sh u t
up
(2) an n ou n ced pl an s to sh u t off
(3) h as an n ou n ced plan s to sh u t
down
(4) h as an n ou n ced plan s of sh u t
down
(5) No correcti on requ ir ed
174. It t ook y ear s fo r r eal i z i n g wh at
was goin g on .
(1) took year s for reali zati on
(2) tak es years for r eal izi n g
(3) took years after r eal izi n g
-173-

(4) took years before I realized
(5 ) No corr ecti on requ ir ed
175. Bei n g for ewar n ed on the lack of
tr an spor t I h ir ed a cycl e.
(1) I was forewarn ed on
(2) On bein g forewarn ed on
(3) Bein g forewarn ed abou t
(4) Bein g warn ed b efore
(5) No correcti on requ ir ed
Di r ec t i on s (1 7 6 –1 8 0 ) : Wh i ch
of th e ph rases (1), (2), (3) an d (4) given
below each sen t en ce sh ou l d replace
th e word / ph r ase in bo l d in th e sen -
ten ce to m ak e it gram m at ically cor -
rect. If th e sen t en ce is correct as it is
gi ven an d n o correcti on is r equ ired,
m ark (5) as th e an swer.
(UCO Ban k PO Ex am . 30. 01. 201 1)
176. A l t h ou gh b u s i n es s s ch o ol s
m igh t be able to t ak e a con sen -
su s on wh at th ey sh ou l d t each ,
th e p roper qu estion i s wh eth er
wh at th ey teach qu ali fies st u -
den ts to m an age.
(1 ) arri ve for a con sen su s
(2 ) m ak e a con sen su s
(3 ) d eri ve at a con sen su s
(4 ) reach a con sen su s
(5 ) No corr ecti on requ ir ed
177. We wi l l b e goi n g t o Rom e as
soon as w e can , b u t we ar e
st ayi n g i n Lon d on f o r so m e
t i m e bei n g.
(1 ) for bein g som e ti m e
(2 ) as som e ti m e bei n g
(3 ) for th e ti m e bei n g
(4 ) as th e t im e bei n g
(5 ) No corr ecti on requ ir ed
178. Al l th e h otels i n t h e town h ave
been placed ou t si de bou n ds for
th e tr oop s.
(1) ou t bou n ded
(2) with in r estrain t
(3 ) ou t of b ou n ds
(4 ) over th e b ou n ds
(5 ) No corr ecti on requ ir ed
179. Th e t each er ask ed th e st u den t
for h er pol iti cal views, bu t sh e
say s t h at sh e pr efer r ed to h old
aloof.
(1 ) said to prefer
(2 ) sayin g sh e preferr ed
(3 ) says sh e is m u ch preferr ed
(4 ) said th at sh e preferr ed
(5 ) No correcti on requ ired.
180. Bu sin ess sch ools ar e by at t ack
as a r esu l t of t h e econ om i c
cri sis.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(1) u n der att ack
(2 ) for attack
(3 ) to be at tack ed
(4 ) over at tack s
(5 ) No corr ecti on requ ir ed
Di r ec t i on s (1 8 1 -1 8 4 ) : Wh i ch
of th e word s/ p h rases (1), (2), (3 ) an d
(4 ) given below each sen ten ce sh ou ld
replace th e word/ ph r ase pr in t ed in
bol d i n t h e sen t en ce t o m ak e it gram -
m atically correct? If th e sen ten ce is
correct as i t i s gi ven an d n o correc-
ti on is r equ ired, m ark (5 ) as th e an -
swer.
(Ban k Of Bar oda PO
Ex am . 1 3 . 0 3 . 2 0 1 1 )
181. A lot of tim e we h ear from ac-
tors th at th ey regret th e k i n d of
roles th ey h ave been doin g all
th is wh il e, bu t th i s actor says
h e h as n ev er an y regret s.
(1) n ever h as h ave
(2) h ave n ever h ad
(3) h as n o (4) h as h ad
(5) No correcti on requ ir ed
182. Th e actress part ici pat ed i n t h e
even t wh ol e-h ear t ed, ch eered
t h e p ar t icip an t s, d an ced wit h
t h em an d em p h asised on th e
im por tan ce of creatin g awar e-
n ess for or al car e acr oss t h e
cou n try.
(1) wh ole - h ear ted ly
(2) wh ole - h eart
(3) wi th wh ol e - h eart
(4) wh olly - h eart ed
(5) No correcti on requ ir ed
183. Al t h ou gh com plete treatmen t of
can cer i s b eyon d t h e reach of
th e u n derprivileged bu t no child
sh ou l d l ose h i s li fe for wan t of
fu n ds.
(1) Thou gh (2) As
(3) Th e (4) Since
(5) No correcti on requ ir ed
184.Sl at ed t o b egi n t h i s y ear, t h e
leagu e cou ld provide a so-n eed-
ed b oost t o h ock ey i n In di a.
(1) so-n eedfu l
(2) m u ch -n eedy
(3) m u ch -need
(4) m u ch -n eeded
(5) No correcti on requ ir ed
Di rect i on s (1 8 5-1 8 9 ) : Which of
th e p h rases (1), (2), (3 ) an d (4) given
below each sen t en ce sh ou l d replace
th e word / ph rase p rin ted in bo l d in
th e sen ten ce to m ak e it gram m atically
PHRASEREPLACEMENT
correct ? If th e sen t en ce i s correct as
it is given an d ‘No corr ect ion i s r e-
qu ired’, m ark (5) as th e an swer.
(I n di an Ov er seas Ban k PO
Ex am . 2 2. 0 5. 20 11 )
185. Never th e on e t o m in ce wor ds
wh en i t c o m es sp eak i n g h i s
m i n d, th e capt ain cri ticised t h e
h ecti c sch edu le of h is team .
(1 ) com es to speak i n g
(2 ) com es an d speak s
(3 ) com es to speak
(4 ) com e for speak
(5 ) No corr ecti on requ ir ed
186. In dian s are far m or e tr an spar -
en t t h an th e Am eri can s.
(1 ) farth er (2 ) fu rt h er m ore
(3 ) gr eat er (4) m an y m ore
(5 ) No corr ecti on requ ir ed
187. H e wi l l n ot b e j oi n i n g t h e r at
race, wh i ch starts ar ou n d th is
ti m e every year as th e b oar d ex-
am s dr aw a c l ose.
(1 ) d raw to close
(2 ) dr awi n g a cl osu re
(3 ) d raw to a close
(4 ) d raw a closer
(5 ) No corr ecti on requ ir ed
188. Ligh t s wi ll go ou t ar ou n d t h e
world wi th h u n d red s of p eop le
set s t o t ak e p ar t in th e Ear th
Hou r cl im at e ch an ge cam paign .
(1 ) set to t ak e part
(2 ) set t o b e part
(3 ) sets for tak in g part
(4 ) set for part
(5 ) No corr ecti on requ ir ed
189. Wit h n asty vi ral i n fect i on s d o
t h e r o u n d s i n t h e ci t y , y ou
sh ou l d give al l it tak es to pr o-
tect you r sel f.
(1) com in g rou n ds
(2) rou n dabou t
(3 ) d oin g th e r ou n ds
(4) d on e rou n din g
(5 ) No corr ecti on requ ir ed
Di r ec t i o n s (1 9 0 -1 9 4 ) : In each
of th e followin g sen ten ces, an i diom -
at ic exp ression or a pr ov er b i s h i gh -
l i gh t ed. Sel ect th e al ter n at ive wh i ch
best descr ibes i ts u se in th e sen ten ce.
(I BPS Sp eci al i st Of f i c e CWE
Ex am . 1 1. 0 3. 20 12 )
190. Fact s spok e lou der t h an words
at th e Com p an y m eeti n g wh ere
th e Director tried to pain t a rosy
pict u re of t h e Com p an y’s fi n an -
cial h ealth .
-174-

(1) Too m an y facts related to th e
good fin an cial h ealt h of t h e
Com p an y wer e p r esen t ed
du rin g t h e m eetin g.
(2) Th e Com pan y was n ot doi n g
well fin an cial ly despit e t h e
Di rector sayin g ot h er wise.
(3 ) Th e D irector was very lou d
wh i l e pr esen t i n g t h e fact s
ab ou t th e Com pan y’s fin an -
ci al h ealth du rin g t h e m eet-
ing.
(4 ) Th e facts stated in th e m eet-
in g su ppor ted th e Director ’s
cl ai m s of goo d fi n an ci al
h ealt h of t h e Com pan y.
(5 ) Th e Com pan y was d oin g ex-
cepti on ally wel l fin an ci all y,
despi te t h e Dir ect or sayi n g
ot h erwise.
191. By in i tiatin g th e fi gh t wit h Sak -
shi in office, Kajal had k i ll ed t h e
goo se t h at l ay t h e go l den egg.
(1) By in iti ati n g th e fi gh t wi th
Sak sh i in office, Kajal h ad
left h er speech less.
(2) Kajal h ad ru in ed h er ch an c-
es of su ccess b y p ick in g a
fi gh t wi th Sak sh i in office.
(3) Kaj al h ad ex act ed h er r e-
ven ge by pick in g a figh t with
Sak sh i in office.
(4) Kaj al h ad h u r t Sak sh i b y
pi ck i n g a fi gh t wi th h er in
offi ce.
(5) By in iti ati n g th e fi gh t wi th
Sak sh i in office, Kajal h ad
m i ssed get t i n g t h e gol d en
egg.
192. I l et t h e ch i ps fal l w h er e t h ey
m ay an d do n ot worry too m u ch
ab ou t wh at I wan t to do n ex t.
(1 ) I tak e cal cu l ated r isk s.
(2) I let oth ers do what th ey wan t
an d do n ot i n ter fer e.
(3 ) I am cl u m sy.
(4) I do n ot try to control my des-
tiny.
(5 ) I prefer ch aos to cal m .
193. Aft er t r yi n g h ar d t o con vi n ce
Naren dra to ch an ge h is ways,
Ram an realised t h at a l eo par d
can n ot ch an ge i t s sp ot s.
(1) Ram an reali sed th at Naren -
dr a wou l d n ever ch an ge h is
ways.
(2) Ram an reali sed th at Naren -
dr a was h elp less.
(3) Ram an reali sed th at h e was
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
n ot good at con vin cin g ot h -
er s.
(4) Ram an reali sed th at Naren -
dr a wou l d ch an ge h is ways
soon .
(5) Ram an reali sed th at som e-
on e else was forci n g Naren -
dr a t o act in a cert ain way.
194. Before startin g work on ou r n ew
pr oject, ou r m en tor t old u s to
n ot cou n t ou r ch i ck en s befor e
t h ey h at ch ed.
(1) O u r m en t o r w a r n ed u s
again st b ein g over con fid en t
ab ou t ach ievin g su ccess.
(2) Ou r m en tor ask ed u s to m e-
ticu lou sly cou n t th e ch ick en
fi rst an d th en th e eggs.
(3) O u r m en t o r w a r n ed u s
again st b ein g over -en t h u si-
ast i c i n i m p l em en t i n g t h e
pr oj ect.
(4) Ou r m en tor warned u s abou t
all th e ch al len ges t h at lay
ah ead of u s.
(5) Ou r m en t or i n for m ed u s
ab ou t t h e p r i zes t h at w e
wou ld get on su cceedin g.
Di rect i on s (1 9 5-1 9 7 ) : Which of
th e p h rases (1), (2), (3 ) an d (4) given
below each sen t en ce sh ou l d replace
th e phrases prin ted in bol d in th e sen -
ten ce to m ak e it gram m at ically cor -
rect ? If th e sen t en ce i s correct as it
is given an d ‘No correction is requ ired’,
m ark (5) as th e an swer.
(I DBI Ban k Of f i c er Ex am .1 6. 09. 201 2)
195. Cu lt ivatin g good h obbi es ar e an
ex cel l en t way of redu ci n g t h e
st ress of daily li vin g.
(1) is an ex cell en ce way of
(2) is an ex cel len t way of
(3) be an ex cel len t way of
(4) ar e ex cel len t way for
(5) No correcti on requ ir ed
196. Th e b u si n ess grou p n eed s t o
r efor m not on ly its bu sin ess an d
m ark etin g strategies, bu t also its
organ isation al stru ctu re.
(1) n eeded t o r eform i n g
(2) n eeds to reform i n g
(3) n eeds for r eform
(4) n eeded for r eform
(5) No correcti on requ ir ed
197. I ch al len ged h im to pr odu ce t h e
au thority letter wh ich I k new h ad
n o t been i ssu ed to h i m .
(1) was n ot been i ssu ed to
(2) h ad n ot bein g i ssu ed to
PHRASEREPLACEMENT
(3) h ad n ot been issu ed for
(4) h ave n ot been i ssu ed to
(5) No correcti on requ ir ed
Di r ec t i o n s (1 9 8 -2 0 2 ) : In each
qu est ion below, a sen ten ce is given
wi th a part of it pri n ted in bol d t yp e.
Th at par t m ay con t ain a gram m atical
er ror. Each sen t en ce i s foll owed b y
ph rases (1), (2 ), (3) an d (4). Fin d ou t
w h i ch p h r ase sh ou l d r ep l ace t h e
ph rase given in bold to cor rect th e er -
ror, if t h er e i s an y, an d to m ak e t h e
sen ten ce gr am m ati cal ly m ean i n gfu l
an d corr ect . If th e sen ten ce i s cor -
rect as it i s an d ‘No correction i s r e-
qu ired.’m ark (5) as th e an swer.
(I n di an Ov er seas Ban k PO
On l i n e Ex am . 01. 09. 201 3)
198. A nation that h ad been on ce t r i ed
t o k i ll h im was th e first t o em -
br ace h i m .
(1) h ad on ce been t ryi n g to
(2) h ad on ce tri ed to
(3) on ce h ad been tri ed to
(4) h ad t o on ce tr y an d
(5) No correcti on requ ir ed
199. H ad h e k n own m or e abou t t h e
policies of th e com pan y, h e m igh t
n ot h ave accep ted th e offer.
(1) He h ad k n own m ore
(2) Di d h e k n ow m ore
(3) Si n ce n ot m ore was k n own
(4) If h e wou ld k n ow m ore
(5) No correcti on requ ir ed
200. Hi s li fe i s an ex am pl e of h ow t h e
h u m an wi l l can fl ou ri sh even in
h arsh con dition s.
(1) wh at th e h u m an wil l can
(2) h ow t h e h u m an can an d wi ll
(3) wh en th e h u m an wil l can
(4) wh ere th e h u m an wil l can
(5) No correcti on requ ir ed
201. Th e soci al work er p assion ately
st rok ed th e an n oyed p assen ger
in or der t h at be p aci fi ed.
(1) to pacify h im
(2) th at to p aci fy
(3) to be pacifi ed for
(4) th at to b e p aci fied wi th
(5) No correcti on requ ir ed
202. Th ey wer e n o l on ger able to pr o-
vide th e h elp t h ei r ch i ldren n eed.
(1) h elped t h ei r ch ild ren n eed
(2) h elp th eir ch il dren n eed ed
(3) h elp th at t h eir ch ild ren n eed
(4) h elp th at th eir ch ildren wou ld
n eed
(5) No correcti on requ ir ed
-175-

Di r ect i on s (2 0 3 –2 1 2 ) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
below each sen t en ce sh ou l d replace
th e p h rase p rin ted in bo l d in th e sen -
ten ce to m ak e it gram m at ically cor -
rect? If th e sen t en ce is correct as it is
gi ven an d n o correcti on is r equ ired,
m ark (5) as th e an swer.
(BOB M an i pal Sch ool of Ban k i n g
Of f i c er On l i n e Ex am , 1 4. 08. 201 4)
203. H e h as em ph at i c al w ay s o p -
po sed t o th e p rop osal s.
(1) em ph atically always oppose
(2) always emphatically opposed
(3) al ways em p h at ic opposed
(4) em ph atically opposed always
(5) No correcti on requ ir ed
204. Som et im es t ak in g t h e m ost b a-
si c in gr ed i en ts an d u si n g t h e
si m pl e f or coo k i n g t ech n i q u e
can p rod u ce m arvelou s t ast e.
(1) si m p l est of cook i n g t ech -
niqu es
(2) sim ple for cook in g tech n iqu e
(3) si m p l est of cook i n g t ech -
niqu e
(4) sim p l est for cook i n g t ech -
niqu es
(5) No correcti on requ ir ed
205. To lie an y t i m e i s a si n an d it is
worse to u tt er a li e wh ile per -
form in g a yoga.
(1) som eti m e was a sin
(2) an ytim es is sin
(3) an yti m e h as a sin
(4) al ways h as a sin
(5) No correcti on requ ir ed
206. Th e flyover s of city was bu i l t by
en su r i n g sm ooth tr affic flow .
(1) was b u il t for en su ri n g
(2) were bu i lt by en su ri n g
(3) were bu i lt t o en su re
(4) was b u il t t o en su re
(5) No correcti on requ ir ed
207. Th e t ech n ol ogi es m ay ast o n -
i sh ed, its social an d econ om ic
valu e is less so.
(1) m ay astonish in g
(2) m ay be aston ish in g
(3) will aston ish ed
(4) wi ll b e aston ish ed
(5) No correcti on requ ir ed
208. A m an co n v i ct ed by st eal i n g
goods fr om t h e god own s.
(1) was con vict ed of steali n g
(2) is con vi cti n g of steali n g
(3) was con victed of stol en
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(4) was bein g con victed for steal
(5) No correcti on requ ir ed
209. A d evot ee p ays o bei san ce fo r
Go d on t h e occasion of fest ival.
(1) ob eisan ce b y God
(2) ob eisan ce wi th God
(3) ob eisan ce t o God
(4) ob session of God
(5) No correcti on requ ir ed
210. A gen erou s k ing once an nou n ced
th at h e wou ld gav e gi ft s by t h e
deser v ed.
(1) gave gift s t o t h e deservi n g
(2) gi ve dift s t o t h e deservi n g
(3) gi ven gi fts to th e d eservi n g
(4) gi ve gift s b y t h e deservi n g
(5) No correcti on requ ir ed
211. Ren ewabl es can play a gr eat er
role fo r a su st ai n ed en er gy by
fu tu r e pr osp ect s.
(1) in a su st ain abl e en ergy for
(2) by a su st ain ed en er gy to
(3) in a su stai n ed en ergy for
(4) in a su st ain ed en er gy by
(5) No correcti on requ ir ed
212. T h e m i n i s t r y w i l l b e s o o n
laun ch ed a com mu nication strat-
egy for Am aran th Yatra to spread
awaren ess am on g pil grim s.
(1) will be soon lau n ch in g
(2) will h ave soon lau n ch in g
(3) will have soon been lau n ch ed
(4) s h a l l h a v e s o o n b een
lau nched
(5) No correcti on requ ir ed
Di r ect i on s (2 1 3 –2 1 7 ) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
below each sen t en ce sh ou l d replace
th e p h rase p rin ted in bo l d in th e sen -
ten ce to m ak e it gram m at ically cor -
rect? If th e sen t en ce is correct as it is
gi ven an d n o correcti on is r equ ired,
m ark (5) as th e an swer.
(SI DBI Ban k Of f i c er Ex am ,
03 .0 9.2 01 4)
2 1 3 . Th e latest UN repor t pl aces In -
di a’s m ater n al m or tal ity as t h e
h i gh i n a wo r l d at 1 7% of glob al
m atern al m ortality.
(1) h i gh er in a wor ld
(2) as th e h i gh est in th e wor ld
(3) as h i gh er of t h e wor ld
(4) for t h e h igh est i n t h e wor ld
(5) No correcti on requ ir ed
2 1 4 . In dia is cou n tr y wh er e th e h u -
man soun d h as carr i ed m ean i n g,
often deep, for m i llen n i a.
(1) sou n d h ave carr ied m ean
PHRASEREPLACEMENT
(2) sou n d h ave carried m ean i n g
(3) sou n d will h ave carried m ean -
ing
(4) sou n d h as been car ried away
mean in g
(5) No correcti on requ ir ed
2 1 5 . It certai n ly is an n oyin g to l i v i n g
fo r a st r eet w i t h od d or offen -
si ve n am e su ch as sewer road.
(1) to li ve for a street with even
(2) li ve on a street wit h odd
(3) li ve on a st reet for odd
(4) li vin g on a str eet wit h odd
(5) No correcti on requ ir ed
2 1 6 . Th e u n it for in ter sect o r i n t er -
v en t i on s sh o u l d bl o ck , an d n ot
th e d istr ict as th e form er is m ore
com pact .
(1) sector in terven tions sh ou ld be
block
(2) sector in teraction shou ld block
(3) sectoral in terven t ion s sh ou ld
be block
(4) sectoral in terven t ion s sh ou ld
be bl ock ed
(5) No correcti on requ ir ed
2 1 7 . Man y In dian art form s ar e ri t u al
as wel l as en ri ch ed wi th art ist ic
fl avor.
(1) is rit u al as
(2) ar e ri tu alistic as
(3) is ritu alistic as
(4) are r itu alistic th at
(5) No correcti on requ ir ed
Di r ect i on s (2 1 8 –2 2 2 ) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
below each sen t en ce sh ou l d replace
th e p h rase p rin ted in bo l d in th e sen -
ten ce to m ak e it gram m at ically cor -
rect? If th e sen t en ce is correct as it is
gi ven an d n o correcti on is r equ ired,
m ark (5) as th e an swer.
(Ban k of Bar od a J un i or M an agem en t
Gr ad e/ Scal e-I Ex am , 18 .0 4.2 01 5)
218. Wh eth er peopl e ch an ge or n ot
is l ar gel y det er m i n es by ‘wh y’
th ey ch an ge.
(1 ) l arge deter m in an t of
(2 ) l argely deter m in ed by
(3) large det erm in ation by
(4 ) l arger determ i n an t for
(5 ) No corr ecti on requ ir ed
219. Wi th t h e n igh t m en t ori n g at t h e
top, everyon e stan ds t o gai n .
(1 ) for gain (2) to gain in g
(3 ) of gain ed (4) to gai n ed
(5 ) No corr ecti on requ ir ed
-176-

220. Th e best leaders k n ow h ow t o
k ep t m ovi n g for war d even i n
ambigu ou s situ ations.
(1 ) k n ow h ow to k eep
(2 ) k n ows h ow to k eep
(3 ) k n ow h ow for k eepi n g
(4 ) k n owi n g wh at to k eep
(5 ) No corr ecti on requ ir ed
221. Ask in g qu est ion s h elp s u s bet-
ter u n der stan d wh at h as been
say .
(1 ) h as b ein g said
(2 ) h as b een said
(3 ) h ave been say
(4 ) h as been sayi n g
(5 ) No corr ecti on requ ir ed
222. A h igh perform er is fou r h u n dred
ti m es m u ch pr o du c t i v i t y th an
th e aver age per for m er.
(1) m ore p rodu ce
(2 ) p rod u ct ive m ore
(3 ) m ore pr odu cti ve
(4 ) m u ch produ cts
(5 ) No corr ecti on requ ir ed
Di r ect i on s (2 2 3 –2 2 7 ) : Wh ich of
th e ph rases given again st th e sen ten ce
sh ou l d r epl ace th e word/ ph r ase gi v-
en in bol d i n t h e sen t en ce t o m ak e it
gram m atically correct ? If th e sen ten ce
is correct as i t i s gi ven an d n o correc-
ti on is requ ired, sel ect ‘No correcti on
requ i red ’as you r an swer.
(NABARD Of f i cer Gr ade ‘A’ On l i n e
Ex am , 0 1. 0 3. 20 15 )
223. Som e cou n tries t h at m i ssi n g th e
fi r st Gr een Revol u t i on d u e t o
poor poli cies are n ow wit n ess-
in g a ch an ge an d are becom i n g
m ore self-su fficien t.
(1) th at were m i ssi n g
(2) h ave m issin g
(3) wh ich m i ssed ou t on
(4) bein g m issin g
(5) No correcti on requ ir ed
224. On lin e sh opp in g is project ed to
in crease by 350 percen t d u ri n g
peak festival season s on accou n t
of th e u n bel i ev abl y l o w p r i c es
offered b y r etai ler s.
(1) u n beli evable low pri ce
(2) lowest u n beli evable pri ce
(3) u n beli evab ly l owerin g pri ce
(4) p r i ces b ei n g u n b el i evab l y
low.
(5) No correcti on requ ir ed
225. Asi an fir m s n eed t o spen d 5 0
percen t m ore th an th e resear ch
an d develop m en t an d c o m i n g
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
wi t h br eak t h r ou gh in n ovation s
to be com pet itive.
(1) cam e in to
(2) h ave com e th rou gh
(3) ar e h avi n g
(4) com e u p wi th
(5) No correcti on requ ir ed
226. An au dit of private electricity dis-
tr ibu t ion com pan ies wi ll b e u n -
dertak en before th e gover n m en t
an n ou n ces to h i k e u p t o t ar i ffs.
(1) h i k e t ariffs
(2) a h ik i n g tari ff
(3) on h i k in g tariffs
(4) an y h ik e in tariffs
(5) No correcti on requ ir ed
227. Su st ai n l evel growth requ ired to
lift m illion s of p eople ou t of pov-
ert y wi l l r equ i r e r eth i n k i n g of
cou n try’s econ om ic policy.
(1) To su stain level
(2) Su stain i n g t h e level of
(3) Su st ai n ab l e level s t h r ou gh
(4) If we su stai n l evelli n g
(5) No correcti on requ ir ed
SBI PO EXAMS
Di r ec t i o n s (1 -5 ) : Wh ich of t h e
followin g ph rases (1), (2), (3) an d (4)
gi ven below each sen t en ce sh ou l d r e-
pl ace th e p h rase p rin ted in bol d t o
m ak e th e sen ten ce gramm atically cor -
rect ? If th e sen t en ce is correct as it
is, m ark (5) as th e an swer.
(SBI Ban k s PO Ex am . 1 1. 02. 200 1)
1. Wh en t h e boy r egai n con sciou s-
n ess h e wan t ed t o eat som e-
th in g.
(1 ) If th e b oy r egain
(2 ) Wh en th e b oy regain ed
(3 ) D esp ite th e boy r egain
(4 ) On th e b oy regain i n g
(5 ) No corr ecti on requ ir ed
2. Th e soci al wor k er wan t ed t o
br i n g abou t little ch an ges in th e
lives of th e people of th at village.
(1 ) t o br in g back
(2 ) to br in g u p
(3 ) to br in g for th
(4) brin gin g abou t
(5 ) No corr ecti on requ ir ed
3. Regh u nath proposes to lay clai m
fo r t h e in su ran ce com pan y as
soon as h e recover s fr om t h e ac-
ci den t .
(1) lay clai m to
(2) lay claim on
PHRASEREPLACEMENT
(3) layin g claim towards
(4) lay claim again st
(5 ) No corr ecti on requ ir ed
4. Th e n ew con cession an n ou n ced
b y t h e Gover n m en t wi l l h ave
on ly a m ar gi n al i sed effect on
th e l ives of th e peopl e.
(1 ) m argin al effect off
(2 ) m argin of effect on
(3 ) m argin al effect on
(4 ) m argi n al isi n g effect in
(5 ) No corr ecti on requ ir ed
5. Th e Ch ar itable Hospit al wor k s
u n der t h e au spi ces fr o m Wel-
fare Tru st of an In du str y.
(1 ) u n der t h e au spices by
(2 ) b y th e au sp ices fr om
(3 ) t h rou gh th e au spi ces fr om
(4 ) u n der t h e au spices of
(5 ) No corr ecti on requ ir ed
Di r ect i on s (6 -2 0 ) : Wh ich of t h e
ph rases (1), (2 ), (3) an d (4) given b e-
low sh ou ld rep lace th e p h rase given
in bold in t h e fol lowin g sen ten ce to
m ak e th e sen ten ce gramm atically cor -
rect. If th e sen t en ce is correct as it is
an d n o corr ect ion is requ ir ed, m ark
(5 ) as th e an swer.
(SBI PO Ex am . 0 9.0 1. 200 5)
6. Th e m ilitary h as h igh ly soph isti-
cated sim u lators on wh i ch so l -
di er s t r ai n .
(1) wh i ch soldi ers trai n in g on
(2) o n w h i c h s o l d i er s h a v e
trains
(3) wh ich th e soldi ers do train
(4) on wh ich th e soldi ers h ave
been train
(5) n o correcti on requ ir ed
7. An y p olicy of soci al welfare wi l l
be l i k el y t o f ac e r esi st an c e
fr om v est ed i n t er est s.
(1 ) wou ld be li k e faci n g
(2 ) will be li k el y faci n g
(3 ) is li k el y to face
(4 ) is li k el y to be facin g wi th
(5 ) n o corr ecti on requ ir ed
8. T h e k ey t o a c o m p et i t i v e
econ om y is i t s i n v est m en t r e-
gi m e.
(1 ) i n i ts in vested r egi m e
(2 ) i n i ts in vest m en t r egi m e
(3 ) i n vestm en t of it s r egi m e
(4 ) i n vestm en t in it s r egi m e
(5 ) n o corr ecti on requ ir ed
9. Th e h on ou rable cou rt h ad tak en
a len ien t vi ew becau se th e ac-
-177-

cu sed h av e n ot pr ev i ou s co n -
v i ct i on .
(1 ) h ad n o p reviou s con vi cti on
(2 ) h ad n ot pr eviou sly con vict ed
(3) h ad n ot been pr evi ou s con -
viction s
(4) h ad n o previou sly con vict ed
(5) n o correcti on requ ir ed
10. Ou r forei gn exch an ge reserves
h av e i n cr eased su bst an t i al .
(1) h ave b een i n cr eased su b -
stantially
(2) h ave in creased su bstan tially
(3) have su bstantially increasing
(4) h ave been su bstan tial i n i n -
cr ease
(5) n o correcti on requ ir ed
11. In th e early cen tu r ies of th e sec-
on d m i l l en n i u m B .C., p eop l e
sp eak in g str an ge d ialects ak i n
t o t h at o f I n d i a, m ov ed i n
n orth ern Iraq an d Syri a.
(1 ) ak in to th ose
(2 ) ak in to th at in
(3 ) ak in to th ose in to
(4 ) k een to th ose of
(5 ) n o corr ecti on requ ir ed
12. It i s bec o m i n g eq u al l y cl ear
th at r eforestati on will h ave litt le
ch an ce u n t il peopl e r eal ise i ts
im portan ce.
(1 ) h as b ecom e equ al an d clear
(2 ) h as becom e equ al ly clear
(3 ) h as becom e cl ear ly equ al
(4 ) i s b ecom in g cl ear ly equ al
(5 ) n o corr ecti on requ ir ed
13. On ce t h e even t i s over, m an y
people cl aim credit fo r su ccess
an d di sow n i n g th e r esp on sibi l-
it y for fai lu r e.
(1 ) of su ccess an d d isown i n g
(2 ) for su ccess bu t d isown i n g
(3 ) for su ccess bu t d isown
(4 ) for su ccess wh ile disown ed
(5 ) n o corr ecti on requ ir ed
14. Wh en sh ark s ap proach di ver s,
th ey u su al l y di d so war i l y .
(1 ) as u su al di d so wari ly
(2 ) u su ally did so wary
(3 ) u su ally are doin g so wary
(4 ) u su al ly do so wari ly
(5 ) n o corr ecti on requ ir ed
15. We ob served th at t h e ru g deal-
ers wer e pr i m ar y dedi cat ed to
th e art of sell in g ru gs.
(1) were prim ari ly dedi cat ed
(2) h ad pr im ary b een ded icat ed
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(3) h ad been dedi cated p rim ary
(4) were bei n g prim ary dedica-
tion
(5 ) n o corr ecti on requ ir ed
16. The real wonder is that th e Egyp-
ti an s wh ile con st ru cti n g p yr a-
m i d s p o ssessed o n l y t h e
si m pl est h an d t ool s.
(1) w er e p o s sess ed on l y b y
sim ple
(2) h ad p ossessi on of on ly si m -
pler
(3) possess on l y t h e sim plest
(4) w er e p ossessi n g t h e on l y
sim plest
(5) n o correcti on requ ir ed
17. Th e gover n m en t sh o u l d h av e
l au n c h su ch p r oj ect s w h i ch
wou l d r ever se t h e d est r u ct i ve
cycle of flood an d drou gh t.
(1) m u st be lau n ch in g
(2) sh ou ld lau n ch
(3 ) sh ou ld h ave been lau n ch ed
(4 ) m u st h ave b een lau n ch ed
(5 ) n o corr ecti on requ ir ed
18. To pr acti se an y ar t p roperly r e-
qu i r e ex t r aor di n ar i l y pat i en ce
— esp ecially at th e b egin n in g.
(1) requ ir ed ext raor din ari ly p a-
tient
(2) r equ i res ex t raor di n ar y pa-
tien ce
(3) requ i rin g ex traord in ar y p a-
tien ce
(4) requ irin g extraordinarily pa-
tient
(5) n o correcti on requ ir ed
19. A com m itt ee com prisin g i m m i -
n en t ex per t s from variou s fields
was set u p.
(1) com prisin g of im m in en t
(2) com pri sin g in to em i n en t
(3) con sistin g of i m m in en t
(4) com prisin g em in en t
(5 ) n o corr ecti on requ ir ed
20. Th e din n er part y h oi st ed by th e
Pr esi den t of th e clu b was can -
celled d u e to som e u n for eseen
prob lem .
(1 ) h osted wi th (2) h oi sted with
(3 ) h oist ed for (4) h osted by
(5 ) n o corr ecti on requ ir ed
Di r ect i on s (2 1 –3 0 ) : Wh ich of t h e
ph rases (1), (2 ), (3) an d (4) given b e-
low sh ou ld rep lace th e p h rase given
in bol d i n t h e fol lowi n g sen ten ce to
m ak e th e sen ten ce gramm atically cor -
rect ? If th e sen t en ce is correct as it
PHRASEREPLACEMENT
is an d n o correction i s requ ired, m ark
(5 ) as th e an swer.
(SBI PO Ex am . 2 6.1 1. 200 6)
21. Th ey didn 't p ay an y h eed to t h eir
su perior's instru ction s : I di d n ei -
t h er.
(1 ) I ei th er d id
(2 ) Eith er I di d n ot
(3 ) Neit h er did n 't I
(4 ) Nor did I
(5 ) No corr ecti on requ ir ed
22. Every poet gi v es v oi ce t o h is an -
ger an d h is com passion th rou gh
h i s p oem s.
(1 ) voiced t o gi ve
(2 ) gives voice for
(3 ) gave voice again st
(4 ) voiced at givi n g
(5 ) No corr ecti on requ ir ed
23. Th e police n abbed a n ot or iou s
crim in al wh o h ad been t er r or i s-
i n g bu i l der s an d ex t or t ed m on -
ey fr om th em for t h e past two
year s.
(1 ) was ter ror isin g b u il der s an d
ex tort ed
(2) had not been terrorised bu ild-
er s an d ext ort ed
(3) h ad been terrorisin g bu ilders
an d extortin g
(4) h ad t errorised bu i lder s an d
ex tort ed
(5) No correcti on requ ir ed
24. Man agers frequ en tly en cou n t er
si tu at ion s wh er e t h ey n eed t o
h el p ot h er s sol v ed pr obl em s.
(1 ) t o h elp in g ot h er s solved
(2 ) h elp ot h er s solved
(3 ) t o h elp oth ers sol ve
(4 ) h elp oth ers solvi n g
(5 ) No corr ecti on requ ir ed
25. From am on g variou s altern atives
we sh ou ld ch oose t h e on e wh i ch
i s v i ab l e an d c o n su m es l ess
ti m e an d en ergy.
(1) is viable and consu m in g lesser
(2) is viability an d con su m es less
(3 ) bein g viable an d con su m es
less
(4) h as viable an d con su m in g less
(5 ) No corr ecti on requ ir ed
26. We ar e l ook i n g for war d for good
rain s th is year.
(1 ) are look in g forward to
(2 ) h ave look ed forwar d for
(3 ) h ave been look in g forward at
(4 ) sh ou ld look forward wi th
(5 ) No corr ecti on requ ir ed
-178-

27. Th ere is fu ll ju st ification to cl ose
down the u n its wh i ch are n ei t h er
pr ofi t abl e n or ser v i n g an y so-
ci al cau se.
(1) wh ich ar e n ot p rofi tabl e or
ser ve
(2 ) wh ich h ave n ei th er pr ofi tab le
n or servi n g
(3 ) wh ich h ave n ei th er pr ofi tab le
n or ser ve
(4 ) wh ich are n eit h er pr ofi tab le
n or ser ve
(5 ) No corr ecti on requ ir ed
28. Pl ease tak e del ivery of t h e m at e-
rial an d ack n owledgem en t at t h e
ear l i est .
(1) sen d ack n owl edgi n g at t h e
earl iest
(2 ) ack n owledge at th e ear liest
(3 ) ack n owl edge t h e ear liest
(4) early ack n owledgem en t
(5 ) No corr ecti on requ ir ed
29. Th e Offi cer h ad tr iggered a con -
troversy by ch ar gi n g h i s su per i -
or s by i gn o r i n g h is war n in g.
(1) b y ch ar gi n g h i s su p er i or s
with ign orin g
(2) wi th ch ar gin g h is su periors
by ign orin g
(3) by ch ar gin g h is su p eriors af-
ter ign or ed
(4) for ch argin g h is su perior s on
ign orin g
(5) No correcti on requ ir ed
30. H ad we b een al on e we wou l d
h ave con t en ded ou r selves wi th
an y p l ai n food t h at g i v e u s
st r en gt h .
(1 ) t h at gi ves u s str en gth
(2 ) t h at gave u s str en gth
(3 ) wh ich give u s str en gth
(4 ) wh ich give str en gth to u s
(5 ) No corr ecti on requ ir ed
Di rect i on s (3 1 –3 5 ) : Which of th e
p h r ases (1 ), (2 ), (3 ), an d ,(4 ) gi ven
below sh ou ld replace th e ph rase given
i n b o l d i n t h e fol l ow i n g sen t en ce
gram m ati cally correct. If th e sen ten ce
is correct as it is & n o correcti on is
requ i red, m ark (5) as th e an swer.
(SBI Associ at e Ban k s PO
Ex am . 0 7. 01. 200 7)
31. He wen t t o t h e blast site to save
h is colleagu e wh o was st r an di n g
th er e.
(1) h ad b een str an d ed
(2) h ad t o stran d
(3) was b ein g stran di n g
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(4) was been str an di n g
(5) No correcti on requ ir ed
32. Wh en I r ec ei v e t h e l et t er, t h e
date for th e in terview was al ready
over.
(1) I received t h e l ett er
(2) th e l ett er I h ad received
(3) I h ad to receive l ett er
(4) I was receivi n g
(5) No correcti on requ ir ed
33. Everyon e i s r equ est ed t o atten d
t h e d in n er part y h ost ed b y th e
pr esid en t.
(1) is requ esti n g to
(2) is requ ested to
(3) wi ll r equ est to
(4) is to requ ested to
(5) No correcti on requ ir ed
34. Th e ch air m an ap proved th e rec-
omm en dation s t o t h e com m i t t ee
wi t h partial m odification s
(1) by th e com m i ttee for
(2) of th e com m i ttee wi th
(3) to th e com m it tee
(4) at th e com m itt ee in
(5) No correcti on requ ir ed
35. Had t h e opportu n it y b een given
t o h i m h e w i l l h av e p r o v e d
su ccessfu l
(1) wi ll h ave to prove
(2) wi ll b e p rovi n g
(3) wou ld h ave p roved
(4) wou ld h ave p roven
(5) No correcti on requ ir ed
Di r ec t i o n s (3 6 -4 0 ) : In each
qu est ion bel ow, a par t i s pr in t ed in
bol d. It m ay con tai n an error. If so,
fi n d ou t wh i ch of th e ph rases (1), (2 ),
(3) an d (4) gi ven b elow sh ou ld repl ace
th e part pri n ted in bo l d in th e follow-
i n g sen t en ce t o m ak e t h e sen t en ce
gramm atically m eanin gfu l and correct.
If th e sen ten ce is correct as i t i s an d
‘n o correcti on is r equ ired’, m ar k (5)
as th e an swer.
(SBI PO Pr el i m i n ar y (Ti r e-I )
Ex am . 2 7. 04. 200 8)
36. Wh en t h ey st ar t i n v est i gat i n g,
sever al i r r egu l ar i t i es wer e d e-
t ect ed .
(1) st art ed in vest igate
(2) star ted an i n vestigation
(3) start in vestigation
(4) st arted off i n vesti gati on
(5) No correcti on requ ir ed
37. You m u st be st op ped th ese u n -
desir able act ivities im m ediat ely.
(1) m u st h ave b een st opp ed
PHRASEREPLACEMENT
(2) m ay h ave been st opp ed
(3) m i gh t h ave b een st opp ed
(4) m u st st op
(5) No correcti on requ ir ed
38. Farm er s in ou r cou n tr y su ffer
becau se of an over depen den ce
on rain an d th e t h r eat t o n at u -
r al c al am i t i es li k e flood s.
(1) th r eat of n atu ral cal am it ies
(2) th reat against n atu ral calam -
ities
(3) th reaten ed du e to n atu ral ca-
lamity
(4) n atu ral calamities th reatened
(5) No correcti on requ ir ed
39. Au tom ati on i n agri cu lt u r e an d
farm m an agem en t is con si der ed
a boon bu t i n fact, it is n ot tr u e
as t h ey l i d t o m or e u n em pl o y -
m en t .
(1) it li ds to m ore em ploym en t
(2) t h ey l ead t o m or e em p l oy-
ment
(3) th ey l ead to m ore u n em ploy-
ment
(4) it leads to m or e u n em ploy-
ment
(5) No correcti on requ ir ed
40. Th e agri cu ltu ral sector deser v es
m o r e at t en t i on th an th e in d u s-
tr ial sector i n ou r cou n tr y.
(1) deser ves att en t ion m ore
(2) deservin g m ore att en ti on
(3) deser ve m or e atten ti on
(4) deser ve t o b e atten ded m ore
(5) No correcti on requ ir ed
Di r ec t i o n s (4 1 –4 5 ) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
below each statem en t sh ou ld replace
th e p h rase p rin ted in bol d i n th e sen -
ten ce to m ak e it gram m at ically cor -
rect? If th e sen t en ce is correct as it is
gi ven an d ‘No cor rect ion is requ i red ’,
m ark (5) as th e an swer.
(SBI & Rur al Busi n ess PO
Ex am . 1 8. 04. 201 0)
41. Soon aft er t h e Tsu n am i h ad
k illed th ou san ds of people alon g
th e coasts of sou thern India, Par -
li am en t passess a bi l l t h at pr o-
po sed t o set u p an i n st itu t ion al
m ech an ism to respon d prom ptly
to n at u ral d isaster s.
(1) passed a bil l t h at proposed
(2) passes a bi ll with pu rpose
(3) pass a bi ll prop osi n g
(4) passed a bil l wh ich pr opose
(5) No correcti on requ ir ed
-179-

42. Den ial of wages forced scien tists
an d teach ers at th e agricu ltu re
u n i v er si t i es t h r o u gh o u t t h e
cou n t ry t o go on st r i k e, cri p-
plin g cru cial research th at cou ld
h elp th e st ate of agr icu ltu re in
th e cou n tr y.
(1) fr om goi n g on stri k e
(2) wh ich wen t on stri k e
(3) on goi n g for a stri k e
(4) for goin g t o stri k e
(5) No correcti on requ ir ed
43. In an attem pt to boost th eir prof-
i t s m an y ed ib l e oi l pr od u ci n g
com pan ies h ave been en gagi n g
t h em s el v es i n p r o p a ga n d a
again st com m on ly u sed oils an d
pr om otin g ex oti c an d expen si ve
varieties of oil as m or e h ealt h i er
opt i on s.
(1) as m ost h ealt h iest opti on s
(2) as less h ealth y opti on
(3) as a h eal th i er opti on
(4) as m u ch h ealt h iest op tion
(5) No correcti on requ ir ed
44. Th ank s to nu m erou s government
in iti atives, ru ral m asses wh i ch
was earl i er un aware of the lu xu -
ri es of u rb an ways of li vin g are
n o w con n ect ed t o t h e sa m e
li festyl e.
(1) wh o was earl ier u n aware
(2) wh ich wer e earl ier aware
(3) wh o were ear lier con versan t
(4) wh o were ear lier u n aware
(5) No correcti on requ ir ed
45. Over th e last few m on t h s, wh i l e
m o st i n du st r i es ar e bu sy in re-
st ru ct u ri n g oper ati on s, cu tti n g
costs an d firin g, th e Indian ph ar -
m aceu tical an d h ealth car e i n -
d u st ry was add i n g m an p ower
an d givin g salary h ik es.
(1) as m an y in d u st ries are
(2) wh ile m ost in du str ies were
(3) wh ile m an y i n du stri es is
(4) wh ere m an y in du str ies were
(5) No correcti on requ ir ed
Di r ect i on s (4 6–5 0 ) : Wh ich of th e
ph rases (1), (2 ), (3) an d (4) given b e-
low each sen ten ce sh ou ld rep lace t h e
ph rase prin ted in bol d in th e sen ten ce
to m ak e i t gram m ati cal ly cor rect ? If
th e sen t en ce i s correct as it is given
an d n o corr ect ion is requ ir ed, m ar k
(5 ) as t h e an swer .
(SBI Assoc i at e Ban k s PO
Ex am . 0 7. 08. 201 1)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
46. Seein g th at th ere was an on go-
in g sale in on e of h er favou ri te
stores, Seet a m ad e a bee - l i n e
fo r i t i m m ediatel y after en ter -
in g th e Mall.’
(1) m ade a bee’s lin e for
(2) m ak e b ees li n ed to
(3) m ade b ee - l in e to
(4) m ak e bee-lin e to
(5) No correcti on requ ir ed
47. Sh aron m ade it to wor k i n t h e
n i c k s o f t i m es, or el se sh e
wou ld h ave m issed th e m eet-
ing.
(1) n i ck of ti m e
(2) n i ck ed ti m e
(3) n i ck of t im elin ess
(4) n ick an d ti m e
(5) No correcti on requ ir ed
48. Varu n was on cl ou d n i n e after
h avin g stood first in h i s class.
(1) in n in th clou d
(2) on n in e cl ou ds
(3) a cl ou dy n in e
(4) clou d on n in e
(5) No correcti on requ ir ed
49. Vi th al h ad a h abit of pass t h e
bu c k wh en it cam e t o i m por -
tan t issu es at wor k .
(1) pass t o b u ck i n g
(2) passin g bu ck
(3) passi n g t h e bu ck s
(4) pass bu ck
(5) No correcti on requ ir ed
50. Pu n eet r ak ed h i s br ai n s an d
t r i ed t o fi n d an an sw er t o a
trick y qu estion given in th e pa-
per b u t cou ldn ’t fin d on e,
(1) rak e h is brain
(2) rack ed h i s b rai n s
(3) rack ed b rai n s
(4) rak ed brain
(5) No correcti on requ ir ed
Di r ect i on s (5 1 -55 ) : Wh ich of th e
ph rases (1), (2 ), (3) an d (4) given b e-
low sh ou ld rep lace th e p h rase given
in bol d i n t h e fol lowi n g sen ten ce to
m ak e th e sen ten ce gramm atically cor -
rect. If th e sen t en ce is correct as it is
an d ‘No corr ect ion is requ ir ed’, m ark
(5 ) as th e an swer.
(SBI M an agem en t Ex ecu t i v e
Ex am . 2 3. 0 2. 20 14 )
51. British Airspace h as been focu s-
i n g o n bu i l d Eu ropean lin k s.
(1) focu sin g on bu ilt
(2 ) focu sin g on forged
PHRASEREPLACEMENT
(3 ) focu sin g on forgi n g
(4) con cen tratin g t o bu ild
(5 ) No corr ecti on requ ir ed
52. Th e ap pet ite of ban k s for fu n ds
was lost u n d er t h e on slau gh t of
t h e sl owd own , cor p or at es r e-
fu sed t o borrow even as ban k
deposi t s f l ou r i sh ed.
(1) ban k deposi ts flou r ish i n g
(2 ) b an k deposits swell ed
(3) ban k deposits were en h anced
(4 ) ban k d eposits flu m m ox ed
(5 ) No corr ecti on requ ir ed
53. Th e 8t h cen t u ry revival of Byz-
an tin e learn in g is an ex em pl ar y
ph en om en on an d i ts econ om ic
an d m ilitary precu rsors h ave yet
to be discovered.
(1 ) p h en om en on yet to be di s-
cover ed .
(2 ) a ph en om en on i n com pl etely
explain ed
(3) an in explicable ph en om en on
(4) an u nidentifiable phenomenon
(5 ) No corr ecti on requ ir ed
54. NASA is all set to st art bu i ldi n g
th e world ’s first spacecraft t h at
co l l ect ed sam p l es fr om an as-
teroid in 201 8.
(1) th at wi ll collect sam pl es
(2) th at h as collected sam pl es
(3) th at wil l h ave col lected sam -
ples
(4) wh o will col lect sam pl es
(5 ) No corr ecti on requ ir ed
55. A scu l ptu re by a veter an arti st
t h at st an ds in th e l awn s of Na-
tional Art Gallery was fou n d dam-
aged.
(1) th at stood
(2 ) th at h ad stood
(3 ) th at was stan di n g
(4 ) th at h as stood
(5 ) No corr ecti on requ ir ed
Di r ect i on s (5 6 -65 ) : Wh ich of th e
ph rases at p laces (1), (2), (3) an d (4)
given below each sen ten ce sh ou ld re-
pl ace th e ph rases pri n ted in bol d i n
th e foll owi n g sen t en ces to m ak e t h e
sen ten ce gram m atically correct . If th e
sen t en ce i s cor rect as it is an d ‘No
correction is requ ired’, m ark (5) as th e
an swer.
(SBI Sp eci al i st Of f i c er
(L aw Of f i cer : M M GS Scal e-I I
On l i n e Ex am . 19. 04. 201 4)
-180-

56. Peopl e in u n der developed cou n -
tries ar e di st r essi n g becau se of
t h e an tagon i sti c atti tu d e of d e-
veloped cou n tries.
(1 ) h ave been distressi n g
(2 ) are distressed becau se
(3 ) ar e d ist ressed at
(4 ) were distressi n g by
(5 ) No corr ecti on requ ir ed
57. He h ad been beh av ed im politely
an d su ffered owin g to th at.
(1 ) was b eh aved
(2) h ad beh aved
(3) h ave been beh aved
(4 ) wou l d h ave beh aved
(5 ) No corr ecti on requ ir ed
58. It h as become a com m on ly prac-
t i c e t o t al k abou t wom en liber -
ation.
(1) co m m on l y p r ac t i sed t a l k
abou t
(2) common practice to talk abou t
(3) com m on p ractice of talk i n g
with
(4) com m on ly practi sin g to talk
abou t
(5 ) No corr ecti on requ ir ed
59. He is so bri sk h im sel f th at h e
can n ot t ol er at e an y effi ci en cy .
(1) tolerate h ardly an y in efficien -
cy
(2) h ar dly t olerates leth argy
(3) tolerate an y h aste
(4) tolerate an y del ay
(5 ) No corr ecti on requ ir ed
60. No p er son wi t h a r easo n abl y
sel f-est eem wou ld ever l ik e to
su ccu m b t o an y pressu r e.
(1 ) r eason able sel f-esteem
(2 ) r eason able self-est eem ed
(3 ) r eason ably self-est eem ed
(4 ) r eason ably a sel f esteem
(5 ) No corr ecti on requ ir ed
61. Un l ess y ou ded i cat ed t o you r
st u dies, you can n ot ex pect su c-
cess.
(1) Un less you don ot dedicate to
(2) If you dedicate to
(3) In case you did n ot ded icate
to
(4) Un less you ded icate to
(5) No correcti on requ ir ed
62. Th e ou tpu t of ou r fact ory was
n o t been sat i sf ac t o r y m on i -
tor ed.
(1) was n ot bei n g sati sfactory
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(2) h as n ot b een satisfact ori ly
(3) h as n ot bei n g sat isfact ori ly
(4 ) i s n ot bein g sati sfactory
(5 ) No corr ecti on requ ir ed
63. He i s fi r m l y bel i ev i n g on dem -
ocrat ic pri n ci ples.
(1) fi rm beli ever for
(2) fi rm l y believe in
(3) fi rm ly believes in
(4) fi rm l y b eli ef on
(5 ) No corr ecti on requ ir ed
64. H e p er sever ed an d su cceed ed
t o face of al l t h e ob stacles.
(1) to face of all t h e
(2) to all th e face of
(3) in th e face of all
(4) at th e face of th e all
(5 ) No corr ecti on requ ir ed
65. He always cl ai m s t o be su per i -
or t h an everyon e in h i s com p a-
n y.
(1 ) claim to be su peri or to
(2 ) clai m s to be su p eri or to
(3 ) cl aim ed to su periority over
(4 ) cl aim s su peri ori ty for
(5 ) No corr ecti on requ ir ed
Di r ect i on s (6 6 -70 ) : Wh ich of th e
ph rases (1), (2 ), (3) an d (4) given b e-
low sh ou ld rep lace th e p h rase given
in bol d i n t h e fol lowi n g sen ten ce to
m ak e th e sen ten ce gramm atically cor -
rect. If th e sen t en ce is correct as it is
an d ‘No corr ect ion is requ ir ed’, m ark
(5 ) as th e an swer.
(SBI Associ at es PO On l i n e
Ex am , 2 9. 1 1. 20 14 )
66. Wh en do you i n t en d t o r et u r n
back home?
(1 ) i n ten d t o r etu rn
(2) in ten tion of retu rn in g to back
(3 ) i n ten d t o t u rn back for
(4 ) i n ten d for a r etu rn of
(5) n o correcti on requ ir ed
67. I w o u l d h av e b een i n y ou r
pl ace, I wou ld n ot h ave accep t-
ed h is su ggestion .
(1) If I h ad in
(2) Had I been wi th
(3) I h ad been wi th
(4) Had I been in
(5) No correcti on requ ir ed
68. No soon er di d we reach th e st a-
tion t h an i t st art ed r ai n i n g.
(1) th en it star ted rain i n g
(2) th en it starts to rain
(3) th an it starts to rain
PHRASEREPLACEMENT
(4) wh en it star ted rain i n g
(5) n o correcti on requ ir ed
69. I m et h im yester day bu t f or got
t o m en ti on t h is poin t.
(1) h ad been for gott en to
(2) was forgot to
(3) h ave forgott en to
(4) forgot at
(5) n o correcti on requ ir ed
70. Every activity can be cl assi fi ed
by t wo grou ps, n am el y m en t al
an d ph ysical.
(1) wi ll b e classifi ed by
(2) can b e classified in to
(3) wi ll be classified between
(4) can classify in to
(5) n o correcti on requ ir ed
Di r ect i on s (7 1 –7 5 ) :Wh ich of th e
p h r ases given again st t h e sen t en ce
sh ou l d r epl ace th e word/ ph r ase gi v-
en in bold in senten ce to m ak e it gram -
m atically correct? If th e sen ten ce is
correct as i t i s gi ven an d n o correc-
ti on is requ ir ed, m ar k ‘No cor rection ’
requ i red as th e an swer.
(SBI Associ at es PO On l i n e
Ex am , 3 0. 1 1. 20 14 )
71. Gettin g t ax refu n ds i s a pr o b-
l em at i c not on ly for the com mon
m an b u t also sen ior official s.
(1) ar e pr oblem s
(2) is a p robl em
(3) ar e a pr obl em
(4) is pr obl em
(5) No correcti on requ ir ed
72. Th e Worl d Ban k r epr esen t s a
parti cu larly di fficu lt case of or -
gan ization cu ltu ral chan ge.
(1) r ep r esen t
(2) represen ti n g
(3) represen tation
(4) h ave repr esen ti n g
(5) No correcti on requ ir ed
73. B ig com p an i es are h ik i n g sti -
pen ds for su m m er in t ern sh i ps
by 4 0%, sen d in g ou t a st ron g
si gn al t h at t h ey ex p ec t s t h e
econ om y t o n ew u p.
(1) th em expectin g
(2) th ey expect
(3) th ese exp ect ati on
(4) ex pect th ese
(5) No correcti on requ ir ed
74. D ecl i n i n g cr u d e p r i ces h av e
r ai se h opes of in ter est rate cu ts.
(1) h ave ri se
(2) h ave r isi n g
-181-

(3) h ave r aised
(4) h as r isen
(5) No correcti on requ ir ed
75. In dia co n t i n u es t o been on t h e
top of th e global con su m er con -
fi den ce in d ex th is year as wel l.
(1) con tin u e to bei n g
(2) con tin u in g to be
(3) con ti n u in g too be
(4) con tin u es to be
(5) No correcti on requ ir ed
INSURANCE EXAMS
Di r ect i on s (1 –1 0 ) : Wh ich of t h e
ph rases (1), (2 ), (3) an d (4) given b e-
low each sen ten ce sh ou ld rep lace t h e
ph rase p rin ted in bol d t ype to m ak e
th e sen t en ce gram m ati cal ly cor rect?
If th e sen ten ce is correct as it is, m ark
(5 ) i .e. No correction r equ ired as t h e
an swer.
(LI C Assi st an t Adm i n i st r at i v e Of f i c er
(AAO) Ex am . 2 4.0 4. 200 5 )
1. When th e police officer ask ed you
you r salary, you pr ovi ded wron g
in form ation ; h av en ’t y ou ?
(1) h ave you n ot
(2) aren ’t you
(3) didn ’t you
(4) don ’t you
(5) No correcti on requ ir ed
2 . I sh all n ot forgive you for h av i n g
br ok e you r prom ise.
(1) wi th h avi n g brok e
(2) for h avin g b rok en
(3) for br eak i n g
(4) becau se of break i n g u p
(5) No correcti on requ ir ed
3 . Most u n will in gly, I agr eed t o go
t o An daman and staying th ere for
a m on t h .
(1) to goi n g to (2) goin g to
(3) for goin g to (4) to goin g for
(5) No correcti on requ ir ed
4 . T h er e h av e been a spu rt i n t h e
n u m ber of cases of at rociti es on
w o m en d u r i n g t h e l a s t t w o
m on th s.
(1) It h ad been (2) Th ere were
(3) Th ere are
(4) Th ere h as been
(5) No correcti on requ ir ed
5. Th is i s on e of t h e m ost rem ar k -
ab le stor ies t h at h as been t o l d
so far.
(1) wh ich h as b een told
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(2) th at h as been tel lin g.
(3) th at h ave b een told
(4) wh ich are told
(5) No correcti on requ ir ed
6. He decided to l eav e t h e j o b qu i -
et l y .
(1) qu ietl y l eave th e j ob
(2) leavin g t h e job qu ietly
(3) qu i etly l eavin g th e job
(4) leave qu i etl y th e j ob
(5) No correcti on requ ir ed
7. If we h ad been on e m ore good
batsm en in ou r team , we wou ld
h ave won th e m atch .
(1) had
(2) wou ld h ave been
(3) wou ld h ave
(4) wou ld h ave h ad
(5) No correcti on requ ir ed
8. No soon er did I r each th e stati on
th en th e tr ain depar t ed.
(1) h ad depart ed
(2) was depart ed
(3) h ad b een dep art ed
(4) di d d epart
(5) No correcti on requ ir ed
9. As soon as I wi l l r each Ban ga-
lore, I wil l r epay t h e loan .
(1) sh all reach
(2) sh ou ld reach
(3) wou ld reach
(4) reach
(5) No correcti on requ ir ed
10. Th e n a t i on - w i d e su r v ey h a s
br ou gh t u p an in teresti n g fin d-
in g wh ich is pu bli sh ed.
(1) h ad brou gh t u p
(2) h as brou gh t ou t
(3) h as b een br ou gh t u p
(4) wil l br in g u p
(5) No correcti on requ ir ed
Di r ect i on (1 1 -2 0 ) : Wh ich of th e
ph rases (1), (2 ), (3) an d (4) given b e-
low sh ou ld rep lace th e p h rase given
in bol d i n t h e fol lowi n g sen ten ce to
m ak e th e sen ten ce gram atically m ean -
in gfu l an d cor rect. If t h e sen ten ce is
correct as i t i s an d n o corr ecti on is
requ i red, m ark (5) as th e an swer.
(LI C Assi st an t Adm i n i st r at i v e
Of f i c er Ex am . 200 8 )
11. In gu est room s, th e cen t ral por -
ti on i s gen er al l y r eser v ed for
sofa set.
(1) gen erally is reserved
(2) is reserved gen eral ly
(3) was gen eral ly reserved
PHRASEREPLACEMENT
(4) ar e gen eral ly reserved
(5) No correcti on requ ir ed
12. I n t h e p r o d u ct i o n of d es er t
trees, Natu re seem s som et i m es
t o h av e been ex p er i m en t i n g
wi th th e tru ly str an ge.
(1) seem t o h ave been som etim es
experim en tin g
(2) seem s som et i m es t o h ave
been experim en t ed
(3) som et im es seen to be ex per i-
em en t ed
(4) som et im es seem to h ave ex-
perim en ted
(5) No correcti on requ ir ed
13. In th e first r ou n d , t h e par tici-
pan ts played in th e pr esen ce of
an accom plice wh o was com m i t -
t ed d eli ber ate er ror s.
(1) com m i tted delib erate
(2) was t o b e com m itt ed del iber -
ate
(3) h ad com m itted delib erately
(4) com m itted d eliberately
(5) No correcti on requ ir ed
14. Wh at di d preven t from wi n n i n g
t h e bat t l e i s n ot k n own .
(1) Wh at preven ted th em t o win
(2) Wh at preven t t h em from win -
ning
(3) Wh at p r even t ed t h em fr om
winn in g
(4) Wh at preven ted th eir win n in g
(5) No correcti on requ ir ed
15. Th e scen ario was iden tical to th e
on e t h at was t o be o bser v ed i n
th e previ ou s tou rn am en t.
(1) was observi n g
(2) h ad been observi n g
(3) was ob served
(4) was t o ob ser ve
(5) No correcti on requ ir ed
16. Th e im pact of th e composite bow
on w ar far e w as equ al t o t h e
cr ossbow of m ed ieval t im es.
(1) was equ al t o of t h e
(2) is equ al to t h e
(3) is equ al t o th at
(4) was equ al to th at of t h e
(5) No correcti on requ ir ed
17. Cu ltu re, cli m at e an d geograp h y
pl ays an im p ort an t part i n t h e
form ation of an y prover b.
(1) plays an im p ortan t r ole
(2) pl ays a i m por tan t part
(3) play an im port an t r ole
(4) pl ay a im por tan t part
(5) No correcti on requ ir ed
-182-

18. Th is book will be of par t i cu l ar
i n t erest ed to those fascin ated by
th e recen t p h ilsoph y.
(1) of part icu l arly in t erested
(2) of parti cu l ar in t erest
(3) of in terested i n p arti cu l ar
(4) par ticu larl y of in t erested
(5) No correcti on requ ir ed
19. Th ese days d evelop ed cou n tri es
h ave star ted l o ok i n g dow n for
u n der develop ed cou n tr ies as it
is advan tageou s for both th e par -
ties.
(1) look in g after
(2) look in g d own u pon
(3) to look d own at
(4) look in g for at
(5) No correcti on requ ir ed
20. Th e m eth ods to adopt for er adi -
cat i on of poverty sh ou ld depen d
u pon th e m agn itu d e an d n at u re
of resou rces avail abl e.
(1) to ad opt for er adicati n g
(2) to be ad opt ed for eradicati on
(3) to be adopti n g to erad icate
(4) for adopt ion of er adicati on
(5) No correcti on requ ir ed
Di r ect i on s (2 1–2 5 ) : Wh ich of th e
ph rases (1 ), (2), (3) an d (4) given b e-
low each statem en t sh ou ld replace th e
ph rase prin ted in bol d in th e sen ten ce
to m ak e it gram m at ically cor rect? If
th e sen t en ce i s correct as it is given
an d ‘No , correction is requ ired’, m ark
(5 ) as th e an swer.
(New I n di a Assu r an ce AO
Ex am . 2 5. 1 0. 20 09 )
21. As th e l awyer was too person al ly
in volved, th e ju dge decided to r e-
m o v ed h i m f r om t h e case.
(1 ) r em ove h im self from t h e
(2 ) r em ove h im from t h e
(3 ) r em oves h im from t h e
(4 ) rem ove h im on t h e
(5 ) No corr ecti on requ ir ed
2 2 . In order to pr otect from rot tin g,
many fru its are treated with chem-
icals befor e been sh i pped fr om
on e pl ace to an oth er.
(1 ) after b ein g sh ipp ed to
(2 ) b efor e b ein g sh ipp ed at
(3 ) b efore bein g sh ip ped fr om
(4 ) after b een sh ift ed to
(5 ) No corr ecti on requ ir ed
2 3 . If ou r b u si n ess con t in u es t o ex-
pan d at t h is rate, we wil l n eed to
em pl o y m an y st aff soo n .
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(1 ) em pl oy m ore st aff soon
(2 ) em pl oy m u ch st affs soon er
(3 ) em ploym en t m u ch staff soon
(4 ) em ploy m an y st affs soon
(5 ) No corr ecti on requ ir ed
2 4 . Two escaped pr ison ers wer e r e-
capt ur ed t h i s m orn i n g when th ey
were t ryi n g t o cross t h e bord er
to en t er th e n ei gh b ou r in g cou n -
tr y.
(1 ) got r ecaptu r ed th i s m orn i n g
(2 ) ar e r ecaptu r ed th i s m orn i n g
(3 ) cou ld recapt u re th i s m orn i n g
(4 ) were recapt u red on m orn i n g
(5 ) No corr ecti on requ ir ed
2 5. Th er e i s bel i eved t o be thou sands
of h om eless teen agers livi n g on
th e streets of th e capit al cit y.
(1 ) It is believed to
(2 ) Th er e is believe to
(3 ) Th ere ar e b eliefs to
(4 ) Th er e are bel ieved to
(5 ) No corr ecti on requ ir ed
Di r ec t i o n s (2 6 –3 0 ) : In each of
th e foll owi n g sen t en ces, an i d i om at -
i c expressi on or a pr ov er b i s h i gh -
l i gh t ed. Sel ect th e al ter n at ive wh i ch
best descr ibes i ts u se in th e sen ten ce.
(Un i t ed I n di a I n su r an ce AO
Ex am . 2 7. 0 3. 20 11 )
26. At an ear l y age m y col l eagu e
m ade h i s m ar k as a ch em i st
(1 ) was destin ed to be
(2 ) secu red good m ar k s
(3) distin gu ish ed h im self
(4 ) cr eat ed a vacan cy
(5) got in du cted
27. Th e t h ief was cau gh t r ed-h an d-
ed.
(1 ) In th e very act of com m i tti n g
th e t h eft
(2 ) on red tape
(3 ) after bein g given a warn i n g
(4 ) with blood on h is h an ds
(5 ) i n an at tem pt to escape
28. He decided to j u m p t h e gu n an d
ap ply for th e job b efore i t was
ad ver tised i n t h e p ress.
(1 ) p lay safe
(2) fak e h is creden tials
(3 ) u se i n fl u en ce
(4 ) call for a p erson al m eeti n g
(5 ) b e over h asty
29. My n ei gh bou r was cau gh t steal-
in g, h e n ow h as to face t h e m u -
si c.
PHRASEREPLACEMENT
(1 ) ask for for given ess
(2) com e face to face wit h th e
police
(3 ) attem pt to protect h i m self
(4) su ffer th e con sequ en ces of
h is action s
(5 ) h ear th e son g
30. Rs. 6 0 for a k i l o of on i on s?
Th at’s day l i gh t r obber y .
(1 ) r obb in g du r in g th e d ay
(2 ) robbi n g peop le on th e basis
of th eir in com e
(3) u n fai r overch argin g
(4 ) ch eat in g people wit h r egar ds
to th e qu al ity of food
(5) extractin g m ore from th e rich
D i r ec t i o n s (3 1 –3 3 ) : I n t h e
foll owin g sen ten ces replace th e words
pr in t ed in b old wi th th e app rop riate
expression from the given altern atives.
(New I n d i a I n sur an c e AAO
Ex am . 2 2. 0 5. 20 11 )
31. H e is al ways p r o m i n en t i n a
cr owd becau se of h is h eigh t.
(1) stan ds ou t (2) look s ou t
(3 ) stan ds u p (4) look s u p
32. Th e rebels o ff er ed r esi st an c e
for alm ost a m on t h .
(1 ) h eld over (2 ) h eld u p
(3) h eld ou t (4 ) h eld in
33. H e gen er al l y o v er l o o k ed t h e
fau lt s of h i s su bordin ates.
(1 ) p assed ou t (2 ) p assed by
(3 ) passed t h rou gh
(4 ) passed over
Di r ec t i o n s (3 4 –3 7 ) : In each of
th e followin g sen ten ces fou r wor ds or
ph rases h ave b een p ri n t ed in bo l d .
On e bol d p art in each sen t en ce i s n ot
accep tab le i n stan dar d En gli sh . Pi ck
u p th at p art an d m ark its n u m ber.
(Or i en t al I n su r an ce Com pan y
Ex am . 0 8 . 0 4 . 2 0 1 2 )
34. Th e gover n m en t i n i t i at ed (1 )
variou s m easu r e (2 ) t o r ai se (3)
th e li vin g st an d ar d s (4) of t h e
peop le.
35. M ost of t h e cr i t i cs (1) agree that
th is i s on e o f (2) t h e b est n ovels
t h at h as (3 ) app eared i n r ecen t
y ears.(4)
36. I f (1) an y on e cares t o j oi n (2)
m e in th is cam pai gn , ei t h er (3)
now or in fu tu re t h ey (4) are most
welcom e.
37. Th e r eason (1) for m y pr olon ged
(2) absen ce (3) from th e class was
becau se (4) I was il l.
-183-

D i r ec t i o n s (3 8 –4 1 ) : I n t h e
foll owin g sen ten ces replace th e words
pr in ted in bol d with th e ap prop riate
expression from the given altern atives.
(Or i en t al I n su r an ce Com pan y
Ex am . 0 8 . 0 4 . 2 0 1 2 )
38. A com m i t t ee h as b een est ab-
l i sh ed to select th e crick et team .
(1) set u p (2) set off
(3) set ou t (4) set abou t
39. Th e ch ief gu est di st r i bu t ed t h e
certi ficates to th e pl ayers of t h e
win n in g team .
(1) gave off (2) gave u p
(3) gave away (4) gave in
40. Ou r office h as b een decor at ed
for th e Ch ief m i n ister ’s visi t.
(1) don e for (2) don e over
(3) don e wi th (4) don e u p
41. H e is al ways p r o m i n en t i n a
cr owd becau se of h is h eigh t.
(1) stan ds ou t (2) look s ou t
(3) st an d s u p (4) look s u p
Di r ec t i o n s (4 2 –4 6 ) : In each of
th e followin g sen ten ces fou r wor ds or
ph rases h ave b een gi ven in bo l d. On e
bo l d part in each sen ten ce is n ot ac-
ceptable in stan dard En glish . Pick ou t
th at par t.
(Un i t ed I n d i a I n sur an c e AAO
Ex am . 0 3 . 0 6 . 2 0 1 2 )
42. T h er e (1)/ was so m u ch con ver -
sation i n bac k of (2 )/ m e t h at
(3 )/ I co u l d n ot (4 )/ h ear t h e
actor s on th e stage.
43. I f e el b ad l y (1 )/ ab ou t t h e
pr esen t con flict becau se (2)/ I
do n ot k n ow h ow to resol ve it
wi th ou t h u r t i n g (3)/ eith er you
or h i m (4 ).
44. I f (1)/ an yon e cares t o j oi n (2 )/
m e in th is cam paign , ei t h er (3)/
n ow or i n fu tu re, t h ey (4 )/ are
m ost wel com e.
45. Bei n g t h at (1)/ m y car is gettin g
i t s (2 )/ an n u al ser vicin g, I wi l l
n o t be (3)/ abl e to pi ck y ou u p
(4)/ tom orrow m orn i n g.
46. T h er e h av e been (1)/ l i t t l e (2)/
ch an ge in th e patien t’s con dition
si n c e (3)/ h e was m ov ed (4 )/
to th e in ten sive care u n i t.
Di r ec t i o n s (4 7 –5 1 ) : Wh i ch of
th e p h rases (1), (2), (3 ) an d (4) given
below sh ou ld replace th e ph r ase gi v-
en in bo l d in th e foll owin g sen t en ces
to m ak e t h e sen ten ce gram m ati cal ly
correct? If th e sen t en ce i s correct as
it is an d there is n o correction requ ired
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
m ark (5) i.e. ‘No cor rection r equ ired’
as th e an swer.
(Un i t ed I n di a I n sur an ce AO
Ex am . 2 6. 0 5. 20 13 )
47. Th e US econ om y is pr esen t i n
t h e fac e of f a ser iou s recession .
(1) h avin g t o face of at pr esen t
(2) pr esen tl y faci n g u p to
(3) pr esen ted on th e face of
(4) pr esen tl y faci n g
(5) No correcti on requ ir ed
48. Econ om ist s h ave pr edi cted th at
th e cou n try’s econ om i c growth
fal l s l o w t o eigh t p er cen t th is
year.
(1) falli n g as l ow as
(2) fell to as l ow as
(3) wi ll fal l t o as l ow as
(4) fallen lower th an
(5) No correcti on requ ir ed
49. I n al l l i k en ess th e com pan y will
fail to ach ieve its produ ction tar -
gets t h is year.
(1) Wi th ever y l ik el in ess
(2) In all lik elih ood
(3) It is li k el y for
(4) In every lik en ess
(5) No correcti on requ ir ed
50. We h ave fail ed assessm en t of
th e ad van tages of ou tsou r ci n g
ou r IT op eration s.
(1) in assessm en t
(2) in n ot assessi n g u p
(3) to assess
(4) th e assessm en t of
(5) No correcti on requ ir ed
51. On e o f t h e k ey com pet en ci es
for m an agers are et h ics an d t h e
ab ili ty t o m oti vat e ot h er s.
(1) Am on g th e k ey com peten cies
(2) Besid e t h e k ey com peten cy
(3) In clu d in g th e k ey com peten -
ci es
(4) Wi th i n t h e k ey com peten ce
(5) No correcti on requ ir ed
52. Wh ich of th e ph rases (1), (2), (3)
an d (4 ) given below th e sen ten ce
sh ou ld r eplace th e ph rase prin t-
ed i n bo l d i n t h e sen t en ce t o
m ak e i t gram m ati cal ly corr ect ?
A fri en d sh i p fou n d ed on bu si-
n ess i s best t h an a b u si n ess
fou n d ed on frien d-sh i p.
(1) is good th an (2) is better than
(3) is best th an (4) is better th en
(NI CL (GI C) Adm i n i st r at i v e Of f i c er
Ex am . 08 .0 9.2 01 3 Paper -I )
PHRASEREPLACEMENT
53. Wh ich of th e ph rases at (1), (2 ),
(3 ) an d (4) gi ven bel ow th e sen -
ten ce sh ou ld rep lace t h e p h rase
pr in ted in bo l d in th e sen ten ce
t o m ak e i t gr am m at ical ly cor -
rect ?
Righ t action can n ot cam e ou t of
n oth in g, it m u st be pr eced ed by
thou ght.
(1) com e ou t of
(2) cam e ou t off
(3) com e off
(4) com i n g ou t of
(NI CL (GI C) Adm i n i st r at i v e Of f i c er
Ex am . 08 .0 9.2 01 3 Paper -I )
Di r ect i on s (5 4–6 3 ) : Wh ich of th e
ph rases (1), (2 ), (3) an d (4) given b e-
low each sen ten ce sh ou ld rep lace t h e
word/ ph rase pri n ted in bol d i n t h e
sen ten ce to m ak e it gramm atically cor -
rect? If th e sen t en ce is correct as it is
gi ven an d n o correcti on is r equ ired,
m ark (5) as th e an swer.
(NI ACL Ad m i n i st r at i v e Of f i c er
(AO) Ex am , 10. 01. 201 5 )
54. Am en d m en ts in t h e lan d acqu i-
sit ion act will t ak e t h e cou n tr y a
s t ep cl o s er t o a ch i eved t h e
d r eam of p rovi d i n g h ou ses t o
everyon e by 202 2.
(1) For ar ch ieve
(2) in ach ieved
(3) to ach ieve
(4) toward s ach ieve
(5) No correcti on requ ir ed
55. Resear ch er s h ave design s a n ew
ap e-l ik e robot th at can n avigate
dan gerou s situ ation s an d car ry
ou t com pl ex task s su ch as lift-
in g d ebr is off su rvi vor s.
(1) Have design ed
(2) h as design ed
(3) h as design ated
(4) h as design s
(5) No correcti on requ ir ed
56. Bu sy l ive an d ab su r d d aily rou -
ti n es h ave diets go h aywir e.
(1) Bu sy lives (2) Bu sily life
(3) bu sy lively (4) Bu sily livin g
(5) No correcti on requ ir ed
57. Th e win d s of ch an ge, prom ised
by th e Ch ief Mi n ister, ar e n ow
bl owi n g m or e p ercept ibl e.
(1) Mu ch p erceptib le
(2) Perceptibly m u ch
(3) percepti ble m ore
(4) m ore per cep tib ly
(5) No correcti on requ ir ed
-184-

58. Cold weath er con dition s con t i n -
u ed t o p r ev ai l s i n t h e n at ion al
capit al wit h th e m in i m u m tem -
perat u re bei n g record ed at 4 .5
d egr ee Cel ci u s, t h r ee n ot ch es
below n orm al.
(1) Con tin u e of prevail ed
(2) con tin u e to prevail
(3) con tin u i n g to be pr evail in g
(4) pr evai l t o con ti u e
(5) No correcti on requ ir ed
59. Scien tist s h ave fou n d th at t h e
im pact of a gen e associates wi th
ob esi ty l argely depen ds on t h e
bi rth year of an in d ivi du al.
(1) Association with
(2) associated on
(3) associat ed with
(4) associatin g with
(5) No correcti on requ ir ed
60. Ch ildr en th ese d ays ar e ad dict-
ed to electr on i c gadgets an d ar e
l osi n g i n t erest in art an d crafts.
(1) Losin g in terest in g in
(2) lot in ter est on
(3) loss in t erest on
(4) losin g in ter est on
(5) No correcti on requ ir ed
61. In du stri es th i rst’for water i s i n -
cr easin g an d so is th e am ou n t
paid by th ese as wat er cess.
(1) Bein g paid by th ese
(2) been pai d of t h ei rs
(3) bein g paid by th ose
(4) been payin g by th em
(5) No correcti on requ ir ed
62. A stu dies revealed th at citi es in
th e n ort h er n p art of th e cou n t ry
ar e t h e m ost ly poll u ted.
(1) Most pollu tion
(2) m ostly pollu te
(3) mostly pollu tion
(4) m ost pollu ted
(5) No correcti on requ ir ed
63. Al m ost 4 0 0 p eop l e i n Teh r an
h ave b een h osp ital ised for h eart
and respiratory problem s cau sed
by h eavy air pol lu ti on .
(1) Cau sed of (2) cau si n g by
(3) cau se by
(4) cau sin g with
(5) No correcti on requ ir ed
Di r ect i on s (6 4–6 8 ) : Wh ich of th e
ph rases (1), (2 ), (3) an d (4) given b e-
low each sen ten ce sh ou ld rep lace t h e
word/ ph rase pri n ted in bol d i n t h e
sen ten ce to m ak e it gramm atically cor -
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
rect? If th e sen t en ce is correct as it is
gi ven an d n o correcti on is r equ ired,
m ark (5) as th e an swer.
(NI ACL Ad m i n i st r at i v e Of f i c er
(AO) Ex am , 11. 01. 201 5 )
64. Th e actr ess, wh o was in th e ci ty
for th e p ress con feren ce of h er
d an ce r eal i t y sh ow, say s sh e
ch ose th e sh ow becau se of h er
passi o n at e for d an ce.
(1) bein g passi on in dan ce
(2) passion at e for d an ci n g
(3) bein g passion ate in d an ci n g
(4) passi on for dan ce
(5) No correcti on requ ir ed
65. Despi t e of several r epr esen t a-
tion s an d rem in ders, th e district
administration h ad not tak en any
acti on t o stem t h e syst em at i c
en croach m en t of water bodies.
(1) Becau se of (2) Desp it e
(3) Althou gh (4) In spi te
(5) No correcti on requ ir ed
66. Wh ile it is well-k n own th at th ere
are large-scale leak ages from th e
pu blic distribu tion system across
t h e cou n t r y , t h er e ar e m an y
st ates wh ich h ave m an age su c-
cessfu l r efor m th e pu blic distri-
bu tion system an d del iver food
gr ain to th e poor.
(1) m an aged t o su ccessfu ll y r e-
form
(2) m an aged su ccessfu l r efor m s
(3) m an agin g su ccessfu lly to re-
form
(4) m an aged for su ccessfu lly re-
form in g
(5) No correcti on requ ir ed
67. Th e fou r -day work sh op is bei n g
con du cted for gear u p ad m in i s-
tr ati on to th e ch an ges t h at wi ll
follow wi th th e im plem en t ati on
of th e Ri gh t to Com pu lsor y an d
Fr ee Edu cati on Act 200 9.
(1) so geared u p
(2) to gear u p
(3) for gear ed u p
(4) to geari n g u p
(5) No correcti on requ ir ed
68. Th e cou r t refu sed t o pr ov i de r e-
l i ev e t o t h e pet iti on er an d stat-
ed th at p lyi n g of all diesel veh i-
cl es was ban n ed with im m ed i-
at e effect.
(1) pr ovi sion of r eli ef
(2) pr ovi din g of relieve
(3) pr ovid e an y reli ef
PHRASEREPLACEMENT
(4) pr ovi de r eli evi n g
(5) No corr ecti on requ ir ed
Di r ec t i o n s (6 9 –7 8 ) : Wh ich of
th e p h rases (1), (2), (3 ) an d (4) given
below each sen t en ce sh ou l d replace
th e word / ph rase p rin ted in bol d i n
th e sen t en ce to m ak e it gram m at ical-
ly correct? If th e sen ten ce is correct
as it is given an d n o correction i s r e-
qu ired , m ark (5) as th e an swer.
(NI ACL Ad m i n i st r at i v e Of f i c er
(AO) On l i n e Ex am , 1 2.0 1. 201 5 )
69. We ar e h appy to n ote t h at t h e
u se o f em i ssi o n c on t r ol s w as
cr eat ed to red u ce air pollu tion .
(1) em ission con tr ols were
(2) die u ses of em ission con trols
wer e
(3) em ission con trols h ad
(4) em ission con trols h ad to be
(5) No correcti on requ ir ed
70. F i n di n g t h e r i gh t l y t al en t i s
m o s t d i f f i c u l t r ec r u i t m en t
p r ocess.
(1) Fi n d a righ t
(2) Fin d in g ri gh tly th e
(3) Fi n di n g t h e righ t
(4) Fin d th at righ teou s
(5) No correcti on requ ir ed
71. Ban k u n ion s h ave th reaten ed t o
go on st r i k es d ays l at er t h i s
m on th i f t h ei r d em an d i s n ot
accom plish ed.
(1) to goi n g on stri k e
(2) for goin g on stri k e
(3) to go str ik i n g on
(4) to go on stri k e
(5) No correcti on requ ir ed
72. Th e role of HR (Hu m an Resou rc-
es) i n an or gan isat ion h as co n -
t i n u ou sl y ev ol v ed over th e last
cou ple of decades.
(1) h as con tin u ou s evolved
(2) h ave con t i n u i n g evol u t i on
(3) con tinu ou sly h as evolvin g
(4) h as con tin u ou sly evolves
(5) No correcti on requ ir ed
73. Rem ain in g in a job profile for job
pr ov ed ben ef i ci al for bot h , an
em ployee as well as com pan y.
(1) pr oves ben efici al
(2) pr oven ben efi ts
(3) provi n g ben eficially
(4) ben efici all y p roves
(5) No correcti on requ ir ed
74. Organ isation s ar e begi n s to rec-
ogn isin g th e valu e of recru iti n g
an d welcom i n g back .
-185-
 PHRASEREPLACEMENT
(1) is begin n in g 21.(5) 22.(1) 23.(3) 24.(1) 213.(2) 214.(5) 215.(2) 216.(3)
(2 ) are b egi n n i n g
25.(4) 26.(4) 27.(3) 28.(2) 217.(2) 218.(2) 219.(5) 220.(1)
(3) ar e b egan
29.(3) 30.(1) 31.(5) 32.(2) 221.(2) 222.(3) 223.(3) 224.(5)
(4) h ave began
(5) No correcti on requ ir ed 33.(1) 34.(4) 35.(2) 36.(3) 225.(4) 226.(1) 227.(1)
75. Th e argu m en t again st, privatisa- 37.(1) 38.(4) 39.(2) 40 .(5)
ti on stem s from a fear th at t h e 41 .(5) 42 .(4) 43 .(1) 44 .(3) SBI PO EXAMS
asset s w er e bei n g h an d ed t o 45 .(2) 46.(4) 47.(1) 48.(3) 1.(2) 2.(5) 3.(1) 4.(3)
pr ivat e sector.
49.(2) 50.(5) 51.(5) 52.(2) 5.(4) 6.(5) 7.(3) 8.(2)
(1) assets are bein g h an ded over
to 53.(1) 54.(3) 55.(4) 56.(1) 9.(1) 10.(2) 11.(2) 12.(2)
(2) asset s i s b ein g h an dl ed by 57.(5) 58.(2) 59.(5) 60.(3) 13.(3) 14.(4) 15.(1) 16.(5)
(3) asset s h ave b een h an d ed 61.(4) 62.(3) 63.(2) 64.(1) 17.(2) 18.(2) 19.(4) 20.(4)
over to 65.(4) 66.(3) 67.(1) 68.(1)
21.(4) 22.(5) 23.(3) 24.(2)
(4) assets are bein g h an dled into 69.(4) 70.(2) 71.(5) 72.(2)
25.(1) 26.(1) 27.(5) 28.(2)
(5) No correcti on requ ir ed 73.(3) 74.(4) 75.(5) 76.(4)
76. Th ere are i n d icat ion s t h at th e 29.(2) 30.(1) 31.(1) 32.(1)
77.(5) 78.(1) 79.(3) 80.(2)
pr osp ects for growth in i n du s- 33.(5) 34.(2) 35.(3) 36.(2)
trial ou tp u t h as i m p r ov ed. 81.(1) 82.(2) 83.(5) 84.(3)
37.(4) 38.(1) 39.(4) 40.(5)
(1) h ave im p roved 85.(4) 86.(2) 87.(3) 88.(5)
41.(1) 42.(5) 43.(3) 44.(4)
(2) h ave im pr ovem en ts 89.(1) 90.(4) 91.(3) 92.(5)
45.(2) 46.(5) 47.(1) 48.(5)
(3) h as im provem en ts 93.(4) 94.(2) 95.(1) 96.(5)
49.(3) 50.(2) 51.(3) 52.(2)
(4) h as been im p rovi n g 97.(1) 98.(2) 99.(4) 100.(3)
(5) No correcti on requ ir ed 53.(3) 54.(1) 55.(5) 56.(3)
101.(3) 102.(4) 103.(4) 104.(2)
77. He fi r m l y bel i efs t h at a radical 57.(2) 58.(2) 59.(4) 60.(1)
105.(5) 106.(2) 107.(4) 108.(3)
ch an ge in th e stru ctu re of ou r 61.(4) 62.(2) 63.(3) 64.(3)
vari ou s depart m en t s is n eces- 109.(1) 110.(5) 111.(3) 112.(4)
65.(2) 66.(1) 67.(4) 68.(5)
sar y. 113.(1) 114.(5) 115.(3) 116.(3)
69.(5) 70.(2) 71.(2) 72.(5)
(1) is believin g th at 117.(2) 118.(4) 119.(1) 120.(5)
(2) fi rm l y b elieves th at 73.(2) 74.(3) 75.(4)
121.(2) 122.(1) 123.(4) 124.(5)
(3) fi rm ly belief th at 125.(1) 126.(2) 127.(3) 128.(3) INSURANCE EXAMS
(4) th at fir m ly bel ieves in
129.(5) 130.(1) 131.(3) 132.(4)
(5) No correcti on requ ir ed 1. (3) 2. (2) 3. (2) 4. (4)
133.(4) 134.(5) 135.(3) 136.(4)
78. Wh en th e ch ild i s bei n g bor ed 5. (3) 6. (5) 7. (1) 8. (5)
an d n ot o ccu pi ed i s also m i s- 137.(3) 138.(2) 139.(4) 140.(1)
9. (4) 10. (2) 11. (5) 12. (5)
ch i evou s. 141.(5) 142.(4) 143.(2) 144.(4)
(1) h as b ored om an d n o occu - 13. (3) 14. (3) 15. (3) 16. (4)
145.(1) 146.(1) 147.(4) 148.(3)
pation is 17. (3) 18. (2) 19. (1) 20. (2)
149.(3) 150.(5) 151.(4) 152.(2)
(2) was b ored an d n ot occu pi ed 21. (2) 22. (3) 23. (1) 24. (5)
153.(1) 154.(2) 155.(3) 156.(4)
is 25. (4) 26. (3) 27. (1) 28. (5)
(3) is bored and u noccu pied th at 157.(2) 158.(4) 159.(5) 160.(5)
161.(1) 162.(2) 163.(3) 164.(5) 29. (4) 30. (3) 31. (4) 32. (3)
is
(4) is bored an d u n occu pi ed is 165.(4) 166.(3) 167.(4) 168.(3) 33. (4) 34. (2) 35. (3) 36. (3)
(5) No correcti on requ ir ed 169.(4) 170.(4) 171.(4) 172.(1) 37. (4) 38. (1) 39. (3) 40. (4)
173.(3) 174.(4) 175.(3) 176.(4) 41. (1) 42. (2) 43. (1) 44. (3)
SHORT ANSWERS 177.(3) 178.(3) 179.(4) 180.(1) 45. (1) 46. (1) 47. (4) 48. (3)
181.(3) 182.(1) 183.(5) 184.(4) 49. (2) 50. (3) 51. (1) 52. (2)
NATIONALISED BANKS 185.(3) 186.(5) 187.(3) 188.(1) 53. (1) 54. (3) 55. (1) 56. (1)
& IBPS PO/MT/SO 189.(3) 190.(2) 191.(2) 192.(1) 57. (4) 58. (2) 59. (3) 60. (5)
193.(1) 194.(1) 195.(2) 196.(5) 61. (1) 62. (4) 63. (5) 64. (4)
1.(3) 2.(1) 3.(1) 4.(2)
197.(5) 198.(2) 199.(5) 200.(2) 65. (2) 66. (1) 67. (2) 68. (3)
5.(5) 6.(4) 7.(5) 8.(4)
9.(2) 10.(1) 11.(3) 12.(1) 201.(1) 202.(2) 203.(2) 204.(1) 69. (1) 70. (3) 71. (4) 72. (*)

13.(3) 14.(2) 15.(5) 16.(2) 205.(5) 206.(3) 207.(2) 208.(1) 73. (1) 74. (2) 75. (1) 76. (1)

17.(4) 18.(5) 19.(1) 20.(4) 209.(3) 210.(2) 211.(1) 212.(1) 77. (2) 78. (4)

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 PHRASEREPLACEMENT
sen t en ce as t h e w ay of d oi n g 82. (2) m ai n fu n cti on s of
EXPLANATIONS work h as been ask ed. 83. (5) No correcti on requ ir ed
38. (4) if we cou ld exten d 84. (3) bou gh t in an
NATIONALISED BANKS 39. (2) In In direct Speech , i f th e Re- 85. (4 ) h ave always been
portin g Verb is in Past Ten se, th e 86. (2 ) m an y of wh om
& IBPS PO/MT/SO Rep or t ed Sp eec h i s al s o ex -
87. (3 ) ou r clien ts is
p r essed i n Past Ten se. H en ce,
1. (3 ) ‘Except for you an d I, ever y- 88. (5) No correcti on requ ir ed
t h e M i n i st er sai d t h at h e was
on e br ou gh t’sh ou ld be rep laced pr ou d of ........ wil l b e a correct 89. (1) an d l eaves t h e
wi th ‘ex cep t for you an d m e, ev- sen t en ce. 90. (4 ) d ate back to
eryon e brou gh t’, becau se ‘except’ 91. (3 ) u p in ar m s
40 . (5) No correcti on requ ir ed
is followed by obj ect ive case of
41 . (5) No correcti on requ ir ed 92. (5 ) No corr ecti on requ ir ed
th e pron ou n .
42 . (4) wh at is wron g with h i m self 93. (4 ) forget abou t it
2. (1 ) ‘If h e was to deci de....’sh ou ld
be r ep laced with ‘if h e wer e to 43 . (1) n u rtu rin g h igh aim s 94. (2 ) t h at based on
decid e...’, becau se i n a su b ju n c- 44 . (3) Hi s fi rm beli ef 95. (1 ) In or der to
t i ve con d i t i on al sen t en ce, t h e 45 . (2) particles accu m u lated 96. (5 ) No corr ecti on requ ir ed
st ru ctu r e of sen ten ce is : 46. (4) h is com m itm en t to 97. (1 ) It wil l b e p rop er to u se an
If Su bject + Were + ..... 47. (1) wh ich h ave l ed to in fin itive.
3. (1 ) If h e were to decide to go to 48. (3) so scarce th at 98. (2) ‘so as to catch’shou ld be u sed.
coll ege 49. (2 ) If you are fort u n ate 99. (4) Th e stru ctu re of sen ten ce in
4. (2 ) B ein g a reali st Pr esen t Perfect is :
50. (5 ) No corr ecti on requ ir ed
5. (5 ) No ch an ge requ ir ed Su bject + h as/ h ave + V 3
51. (5) No correcti on requ ir ed
6. (4 ) wan ted of h im 100. (3 ) Th e w or d ‘ab st r act ’ i s an
52. (2) Wh ich was dam aged
7. (5 ) No corr ecti on requ ir ed A d j ec t i ve. H en c e ‘I n s t ead o f
53. (1) th eir gr ievan ces r edr essed teaching abstract’sh ou ld be u sed.
8. (4 ) Havin g t oiled for 54. (3) bad ly sh ak en 101. (3 ) Th e sen ten ce sh ows fu t u r e
9. (2 ) i m pol itely an d su ffer ed 55. (4) to be app oin t ed ti m e. Hen ce, ‘wil l m ak e it easy’
10. (1 ) h as been exten di n g 56. (1) th e last excels sh ou ld be u sed.
11. (3 ) get su ccess 57. (5 ) No corr ecti on requ ir ed 102. (4) Here, ‘wil l be ben efici al t o u s’
12. (1 ) exper ien ce life as if th ey are 58. (2 ) m an y brave attem pt s to con - sh ou ld be u sed.
13. (3 ) t o i m agin e an d create fron t 103. (4 ) ‘It is u n l ik el y t h at ’sh ou ld be
14. (2) natu rally talk 59. (5 ) No corr ecti on requ ir ed u sed.
15. (5 ) No corr ecti on requ ir ed 60. (3 ) u n ti l i t i s con firm ed 104. (2) D ou b l e ver b s n eed n ot b e
16. (2 ) i s wh eth er to foll ow 61. (4 ) m em bers wh o h as paid u sed. Hen ce, ‘as m or e t h an si x’
17. (4 ) m ay su ffer becau se of sh ou ld be u sed.
62. (3) Here th e su bject ‘Th e rel a-
18. (5 ) No corr ecti on requ ir ed tion sh ip’is in Sin gu lar Nu m ber. 105. (5) No correction r equ ired.
19. (1 ) h e worri es 63. (2 ) was presen t for 10 6.(2) Here Objective Case and a Ger -
20. (4) on ly possible b u t in fin it ely u n d sh ou l d b e u sed . H en ce, r e-
64. (1) Here th e su b ject ‘A n u clear
pl ace ‘t h ey ar e tak in g’ by ‘th em
21. (5) No correcti on requ ir ed testin g’is Sin gu lar.
for tak in g’.
22. (1) n ot h in g bett er t h an 65. (4 ) som e ar e avoi din g u se
1 0 7 .(4 ) H ere Ad jective cl au se sh ou ld
23. (3) after bei n g appoin t ed 66. (3) h as led t o l evel s fall in g dras-
b e u sed . H en ce ‘wh i ch wi l l b e
24. (1) th in k th ey are always tically
u sed’ wi ll be a pr oper su bstit u -
25. (4 ) th e u su al problem s of 67. (1 ) If you are in n eed for tion.
26. (4) pr esen tl y faci n g 68. (1) sh ou ld n ot stop sp en di n g 1 0 8 .(3 ) Here, ‘r espon ded favou rab ly
27. (3) wi ll fal l t o as l ow as 69. (4 ) h as b een lifted tem por ari ly to’sh ou ld be u sed. In presen t per -
28. (2) In all lik elih ood 70. (2) h as open ly adm it ted fect Ten se t h e st r u ct u r e of t h e
29. (3) to assess 71. (5) No correcti on requ ir ed st en ten ce is
30. (1) Am on g th e k ey com peten cies 72. (2 ) r ecen tly h eld Su bject + h ave/ h as +V 3 (Past Par -
73. (3) com prisin g em in en t ticiple)
31. (5) No corr ect ion requ ir ed
74. (4) is m ost lik ely to start at 1 0 9 .(1 ) H ere, ‘bu t to ch an ge’will be a
32. (2) Wh ile we were h eard
prop er su b stitu t ion .
33. (1 ) With ou t an y rain or 75. (5) No correcti on requ ir ed
1 1 0 .(5 ) Th e sen ten ce is cor rect.
34. (4 ) m ak e h er cou n t ry prou d 76. (4) n o altern at ive bu t
111. (3) di fferen t (Adj ect ive)rat es of
35. (2 ) n earl y five tim es 77. (5) No correcti on requ ir ed
in terest
36. (3) Wh at m ak es h i m feel ........ 78. (1) m an y requ est s b u t
112. (4) w e t ak e som e. In p osi t i ve
wi ll be th e cor rect sen t en ce. 79. (3) peopl e to vote
sen t en ces, som e is u su ally u sed
37. (1) Th is is ex actl y h ow h e wan t- 80. (2) abou t th eir r ole in stead of an y
ed m e ........ will be th e correct 81. (1) in h ibits blood clots 113. (1) wh at i m pact
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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114. (5) No correcti on requ ir ed
115. (3) n ot h ave m u ch good
116. (3) Neith er......nor is correct for m
of correl ative.
117. (2) con tribu te towards its growth
118. (4 ) Sin ce m an y com pan ies are
119. (1 ) H er e, com p ar at i ve d egr ee
sh ou ld be u sed.
120. (5 ) No corr ecti on requ ir ed
121. (2) h a s p u l l ed t h e b r a k es .
Pr esen t p erfect sh ou le be u sed.
122. (1) wou ld h i t p an ick y bu t ton s.
Con dit ion al part is in th e past
ten se
123. (4) Alarm ed by. Participle shou ld
be u sed
124. (5) No correcti on requ ir ed
125. (1) were at i n cr eased risk . Th e
r ep or t i n g ver b i s i n t h e p ast
ten se.
126. (2 ) Here, h an d t o m ou t h ex i st -
en ce sh ou ld b e u sed.
127. (3 ) Th e form of an in fin i tive is :
to + V 1 .
H en ce, ear n a d ec en t l i v i n g
sh ou ld be u sed.
128. (3) Here, serv ed pi pi n g h ot (very
h ot ) sh ou ld be u sed.
129. (5) No correcti on requ ir ed
130. (1 ) H er e, s i m p l e p a s t i . e .
j u m ped t h r o u gh h o pps sh ou ld
be u sed.
131. (3 ) t h eir action s at th e least
132. (4 ) Ph rase l o ok for m ean s : to
h op e for som eth i n g; t o exp ect
som eth in g.
133. (4 ) u n less it were to m eet Bri t-
ish sp eci fication s
134. (5 ) As ch ild ren is plu ral Nou n ,
‘d o’sh ou ld be u sed.
135. (3 ) tak e ju st ice i n t o th eir own
h an ds. Th ere is preposition r e-
lated error.
136. (4 ) b u t i t sh o u l d h ave b een
li n k ed less. Ver b sh ou ld foll ow
th e su bject h er e.
137. (3 ) su pposed to m on itor th e i m -
port of. Passi ve sh ou ld be u sed.
138. (2 ) It is st ill n ot bein g realized
that
139. (4 ) crim es agai n st ch ildr en it is
im por tan t Cr im e sh ou l d be fol-
lowed by again st' h er e.
140. (1 ) th e sam e does n ot al ways
h old t ru e for m en .
141. (5 ) No corr ecti on requ ir ed
142. (4 ) Wh atever th e reason s
143. (2 ) l ik e bein g tran sp ort ed
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144. (4 ) h ave paid lit tle h eed
145. (1) can n ot wish away. Can n ot
agrees wi th plu ral ver b.
146. (1) that it h as lost nearly. So that
is correct corr elative.
147. (4) wh o were in Mu m b ai in
148. (3) for t h e fift h con secu tive year
149. (3) as it wi ll m ean gr eat er
150. (5) No correcti on requ ir ed
151. (4) Here, a Nou n sh ou ld be u sed.
H en ce, p a s s i o n (N o u n ) f o r
dan ce sh ou ld be u sed.
152. (2) Here, Despi t e sh ou ld be u sed
as despit e = in spit e of.
153. (1 ) H er e, i n fi n i t i ve sh ou l d b e
u sed. Hen ce, m an aged t o su c-
c es sf u l l y r ef o r m sh ou l d b e
u sed.
154. (2 ) H ere, in fin itive i .e. t o gear
u p sh ou ld be u sed.
155. (3 ) H er e, p r o v i d e an y r el i ef
(Nou n ) sh ou ld be u sed.
156. (4 ) Id iom at l oo se en ds m ean s %
h avi n g n ot h i n g t o d o an d n ot
k n owi n g wh at you wan t t o d o.
157. (2 ) H er e, w as t h e o n e t h at
sh ou l d b e u sed. Rel at ive pr o-
n ou n wh o is u sed to show which
person or p eopl e you m ean .
158. (4 ) i n t h e way of. Used in qu es-
ti on s an d n egati ve sen ten ces to
talk abou t avai lab le t ypes.
159. (5 ) No corr ecti on requ ir ed
160. (5 ) No corr ecti on requ ir ed
1 6 1 .(1 ) H ere, Past Sim ple i.e. gat h -
er ed al l h er c ou r age sh ou l d be
u sed.
162. (2 ) H ere, Geru n d i.e. go i n g so
wel l sh ou ld be u sed.
163. (3 ) H ere, V 3 i.e. h ad t h r eat en ed
(V 3 ) t o bu r n sh ou ld be u sed.
164. (5) No correcti on requ ir ed
165. (4 ) I d i om c o m e t o t h e f o r e
m ean s : to be ver y im portan t an d
n ot iced by peop le; to p lay an i m -
portan t par t.
166. (3) Ph rase t ak e of f m ean s %to
rem ove som et h in g, esp ecially a
p i ece of cl ot h i n g fr om you r /
som ebody’s body.
Ph r ase t ak e so m et h i n g o u t
m ean s % t o r em ove som et h in g
fr om in side som eb ody’s bod y.
Lo ok at t h e sen t en ces :
H e t ook off m y wet b oot an d
m ade m e sit by th e fir e.
How m an y teeth did th e den ti st
tak e ou t ?
PHRASEREPLACEMENT
167. (4 ) Becau se sh e
168. (3 ) con st an t l y su r r ou n d ed b y
sou n ds
169. (4 ) h u rri edl y left
170. (4) In su ch sen t en ces, ‘t h e’ i s
u sed before a com p arative d e-
gr ee. We u se ‘elder’in com par i-
son for b lood r elat ion s.
171. (4) dan ce to th e m u si c. Dan ce
agrees with prepositi on 'to'.
172. (1) h as bor edom an d n o occu pa-
ti on h e
173. (3) h as an n ou n ced plan s to sh u t
d o w n . Sh u t d o w n = t o st op
work in g.
174. (4) took years before I r eal ized.
Past sim p le sh ou ld be u sed.
175. (3) Bein g forewarn ed abou t
176. (4) reach a con sen su s. Correct
ph r asal u sage.
177. (3) Id i om f o r t h e t i m e bei n g
m ean s : for a sh ort period of tim e
bu t n ot perm an en tl y.
178. (3 ) Id iom ou t o f bo u n d s m ean s
: If a pl ace i s ou t of b ou n d s,
p eop l e ar e n ot al l ow ed t o go
th er e.
179. (4) said th at sh e prefer red . Re-
porti n g verb is in Past t en se.
180. (1) u n der at tack . Cor rect u se of
preposition .
181. (3 ) h as n o
182. (1) wh ole - h eartedly (com pletely
and enth u siastically)
183. (5 ) No corr ecti on requ ir ed
184. (4) m u ch -n eeded.
185. (3) com es to speak .
186. (5) No correcti on requ ir ed
187. (3) d raw to a cl ose (n ear). Th e
m eetin g was drawin g to a close.
188. (1) set to tak e part. Su bject is plu -
ral.
189. (3) d oi n g t h e r ou n d s (seen ;
fou nd). Participle shou ld be u sed.
190. (2) F ac t s sp eak l o u d er t h an
wo r d s m ean s : tru th is str on ger
th an in ven ted stor y.
191. (2) K i l l t h e go ose t h at l ay s t h e
go l den egg m ean s : to destr oy
som et h in g th at wou ld m ak e you
ri ch , su ccessfu l et c.
192. (1 ) I tak e cal cu l ated r isk s.
193. (1) Ram an reali sed th at Naren -
d r a wou l d n ever ch an ge h i s
ways.
194. (1) Do n ’t co u n t y o u r ch i ck en s
before t h ey are h at ch ed means :
you sh ou l d n ot b e t oo con fiden t
-188-

th at som eth i n g will be su ccess-
fu l becau se som eth i n g m ay sti ll
go wr on g.
195. (2) Cu l t i v at i n g goo d h o bbi es is
a sin gu l ar su b ject.
196. (5) No correction r equ ired.
197. (5) No correction r equ ired.
198. (2) Here, h ad on ce tr ied to ....
sh ou ld be u sed.
199. (5) No correcti on requ ir ed
200. (2) h ow t h e h u m an can an d wi ll
201. (1) Here, in fin iti ve i.e. t o p aci fy
h im .... sh ou ld be u sed.
202. (2) The Principal clau se is in Past
ten se. Hen ce, h elp th eir ch ildren
n eeded ... sh ou ld be u sed.
Lok at t h e sen t en ce :
I gave h i m t h e m on ey h e n eeded.
 
Sim ple Past Sim ple Past
I wil l give h i m th e m on ey h e n eed s.
 
Sim ple Fu tu re Sim ple Presen t
203. (2) H er e, al way s em p h at i cal l y
(Adver b) opp osed ..... sh ou ld be
u sed.
204. (1) ‘Th e’is u sed b efore su p erl a-
ti ve d egree.
Hen ce, sim plest of cook in g tech -
n i qu es (p lu r al) sh ou l d be u sed
h er e.
206. (3) Here, in fin itive (pu rpose) i,e.,
were bu i lt to en su re ..... sh ou ld
be u sed.
207. (2) Here, may be astonishing (Ad-
jecti ve) sh ou ld be u sed.
208. (1) Here, passi ve i.e., was con -
v i c t ed o f s t ea l i n g (G er u n d )
sh ou ld be u sed.
209. (3) Ob eisan ce agrees with prep-
osition ‘to’.
210. (2) After wo u l d, in fi n it ive wit h -
ou t ‘to’is u sed.
H en ce, wou l d gi ve gifts t o th e
deservi n g (Adjective) ..... sh ou ld
be u sed.
211. (1) It is a p rep osit ion related er -
ror.
212. (1) Su bject + will be + V–in g.
213. (2) Here, as th e h igh est i n t h e
world .... sh ou ld be u sed . Art i-
cl e ‘t h e’ sh ou ld be u sed b efore
‘world’.
215. (2) Here, in fin itive = to + V 1 i.e.
l i ve on a st r eet wi t h od d .....
sh ou ld be u sed.
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216. (3) Here, sector al (Ad jective) i n -
t er ven t i on s (Nou n ) sh ou l d b e
block (Nou n ) .... sh ou ld be u sed.
217. (2) Here, for m s i s p lu ral. Hen ce,
ar e r itu ali sti c (Adjecti ve) as ....
sh ou l d b e u sed h er e.
218. (2 ) In passi ve voi ce, Past Part i-
ci p l e for m of ver b sh ou l d b e
u sed. Hen ce, largely determ in ed
.... sh ou ld be u sed.
220. (1) In fin iti ve = to + V 1
H en ce, k n ow h ow t o k eep ....
sh ou ld be u sed.
221. (2) In passi ve voice, V 3 i.e. h as
been said .... sh ou ld be u sed.
222. (3) Th e word p rod u ct i vit y is a
Nou n . Hen ce, m ore p rod u cti ve
(Adjecti ve) sh ou l d b e u sed . For
com parison between two th in gs,
com p ar at i ve degr ee sh ou l d b e
u sed.
223. (3) M i ss ou t on so m et h i n g = to
fai l t o b en efi t from som eth in g
u sefu l b y n ot tak i n g par t i n i t.
H en ce, Past Si m p le i .e wh i ch
m i ssed ou t on .... sh ou l d b e
u sed . Th is cl au se sh ows Past
time.
225. (4) Here, in fin itive i .e. com e u p
wi th .... sh ou l d be u sed
226. (1) Hi k e = t o i n cr ease p rices
227. (1) Here, to + V 1 i .e, To su stain
level .... sh ou ld be u sed.
SBI PO EXAMS
1. (2) Th e u se of wan t ed in dicat es
th at th e action descr ibed i n t h e
sen t en ce is in Past Ten se. So, r e-
gai n wi ll b e r epl aced wi th r e-
gai n ed.
2. (5) No correcti on requ ir ed
3. (1) We u se (i ) l ay claim for som e-
thing
(ii ) lay cl aim to som eon e or som e
organ isation .
Th er efor e f o r wi l l b e r ep l aced
wi th t o .
4. (3) Mar gin alised wi ll b e replaced
with margin al
5. (4) Un der t h e au spi ces of is an
idiom atic expression , so we can ’t
u se fr om in pl ace of of .
6. (5) n o correction r equ ired.
7. (3) is lik ely to face.
8. (2) in it s in vestm en t r egi m e
9. (1) The word ‘conviction’is a Nou n
a n d , i t i s p r ec ed ed b y ‘n o ’.
Hen ce, ‘h ad n o p reviou s con vi c-
PHRASEREPLACEMENT
tion ’is th e su itable replacem en t.
Alt oget h er, th e statem en t is i n
In direct speech . Here th e Pri n -
ci p al cl au se i s i n Past Ten se,
h en c e, t h e Rep or t ed Sp eech
m u st also be in Past Ten se.
10. (2) Ad ver b i al for m of t h e wor d
‘su bstan tial’sh ou ld be u sed, an
Ad verb is a word wh ich m od ifi es
th e m ean in g of a verb , an Adjec-
ti ve or an oth er Adverb . Hen ce,
‘h ave in creased ’su bstan t ial ly is
th e correct rep lacem en t.
11. (2) Th e u se of p reposit ion ‘in ’i n -
stead of ‘of’is appropriate to mak e
sen ten ce corr ect.
12. (2) h as b ecom e equ ally clear
13. (3) Th e sen ten ce i s ad versat ive
w h i ch ex p r esses con t r ast b e-
tween two statem en ts. Hen ce, for
su cess b u t disown is th e correct
rep lacem en t.
14. (4) Th e sen se of sen ten ce sh ows
a h abitu al action . Hen ce, Si m ple
Pr esen t Ten se will be u sed. Al so
t h e Su b -or d i n at e cl au se i s i n
Pr es en t Ten se, t h e Pr i n c i p al
cl a u se sh ou l d b e i n Pr es en t
Ten se too.
15. (1) Here, th e word ‘Prim ary’h as
been wron gl y u sed. It s adverbi al
form wil l b e appr opr iat e.
16. (5) n o correcti on requ ir ed
17. (2) shou ld lau nch
18. (2) Th e word ‘p ati en ce’ is Nou n .
An Adjective is u sed with a Nou n
to ad d som et h in g for its m ean -
in g. Hen ce, ‘r equ i res ex traord i-
n ary pati en ce’is th e cor rect u s-
age.
19. (4) Th e word ‘im m i n en t’ m ean s
l i k el y t o h ap p en ver y soon . It
does n ot m ak e an y sen se i n t h e
sen t en ce. H en ce, ‘com p r i si n g
em in en t’ is th e correct rep lace-
m en t.
20. (4) Th e word ‘h oist’ m ean s rai se
som eth in g to a h igh er posi tion .
Cl ear ly, a din n er par ty is n ever
h oist ed, bu t h osted.
21. (4) I di d n ei t h er sh ou ld b e r e-
pl aced by
No r d i d I . Str u ct u re wou ld be :
For ex am pl e,
Ru th didn ’t tu rn u p an d Kate did
n eith er. (×)
-189-

Ru th d idn ’t tu rn u p an d n or d id
Kate. (3)
 
Au xi l iar y Su bj ect
Ver b
22. (5) No correcti on requ ir ed
23. (3) Th e sen t en ce i s i n Past Per -
fect con t in u ou s. Hen ce ex t or t ed
sh ou ld be replaced by ex t or t i n g.
24. (2) In fin i tive with ou t ‘to’is u sed
after n eed.
For ex am pl e,
He won dered wh eth er t h ey n eed
sen d a deposi t.
He won dered wh eth er t h ey n eed
t o sen d a deposi t. ()
 Th e col ou r of th i s pen is green . ()
in fin itive with ‘to’
He won dered wh eth er t h ey n eed
sen d a deposi t. ()
 36. (2) star ted an i n vestigation
in fin itive with ou t ‘to’
25. (1) is viable an d consu m ing lesser
26. (1) ar e l ook in g forward to
27. (5) No correcti on requ ir ed
28. (2) ack n owled ge at th e ear liest
29. (2) wi th ch ar gi n g h i s su p er iors
by ign orin g
30. (1) th at gives u s str en gth
31. (1) T h e gr ou p of w o r d s ‘w a s
Stran din g’sh ou ld be replaced by
‘h ad been st r an ded’. Th e word
s t r a n d m ea n s — t o cau se
som eth in g to be alon e, t o m ak e a
th in g or per son to be deserted.
Lo ok at t h e sen t en ces :
Th e d ead body of th e m an wh o
h an ged was fou n d .()
 wer e earl i er u n aware wi ll b e a
active
Th e d ead body of th e m an wh o
was h an ged was fou n d.()
 tr ies wer e’ sh ou ld be u sed.
Passive
32. (1) Th e grou p of words, ‘I recei ve
th e l etter’sh ou ld be rep laced by
‘I r ec e i v ed t h e l et t er ’. Th e
pr in cipal clau se of t h e sen ten ce
is in Past Ten se, h en ce th e su b-
or din ate clau se sh ou l d al so be
u sed in Past Ten se.
Lo ok at t h e sen t en ces :
Yesterday wh en I go th ere, h e h ad
 
Pr esen t ten se Past ten se
gon e ou t.()
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Yester day wh en I wen t th er e, h e
h ad gon e  u n d) .... sh ou ld be u sed.
 Fo r ge = to pu t a lot of effort in to
Past ten se Past ten se
ou t.()
33. (5) No correction r equ ired.
34. (2) Th e gr ou p of wor ds, ‘to t h e
com m ittee’shou ld be replaced by
o f t h e c o m m i t t ee w i t h . To
ex press p ossession between t wo
Nou n s we u se-Nou n + of + Nou n
st ru ctu r e.
Lo ok at t h e sen t en ces :
Th e colou r to this pen is green. ()
  
Nou n p ossessive noun
  
Nou n p ossessive noun
35. (3) wou ld h ave p roved
37. (4) m u st st op
38. (1) th r eat of n atu ral cal am it ies
39. (4) i t lead s t o m ore u n em pl oy-
ment
40. (5) No correcti on requ ir ed
41. (1) Th e even t sh ows p ast t i m e
Hen ce sim ple past or ‘passed a
bi ll th at pr oposed’wi ll be a cor -
rect u sage.
42. (5) No correcti on requ ir ed
43. (3) In com pari son between two
t h i n gs, com p ar at i ve D egr ee i s
u sed . Use of dou b le com p ara-
ti ves is n ot pr oper.
H en ce, ‘as a h eal t h i er op t i on ’
sh ou ld be u sed.
44. (4) For livin g beings Relative Pro-
n ou n ‘wh o’i s u sed . H en ce, wh o
correct u sage.
45. (2) T h e ev en t s h o w s p a s t
t im e.H en ce ‘wh i l e m ost i n d u s-
46. (5) Id i om m ak e a beel i n e f o r
som et h i n g m ean s : to go straigh t
towards somethin g/ somebody as
qu ick ly as you can .
47. (1) Id iom i n t h e n i c k of t i m e
m ean s : at th e very last m om en t;
ju st in tim e before som eth ing bad
h appen s.
48. (5) Id iom on cl ou d n i n e m ean s :
ex trem ely h app y.
49. (3) passi n g t h e bu ck s
50. (2) Idi om r ac k ed h i s br ai n (s)
m ean s : t o t h in k very h ar d or for
a lon g ti m e abou t som eth in g.
PHRASEREPLACEMENT
51. (3) Here focu sin g on forgin g (Ger -
m ak in g som eth in g su ccessfu l or
st ron g so t h at it wi ll last.
52. (3) Sw el l = to i n cr ease or m ak e
som eth in g increase in n u m ber or
size.
Loo k at t h e sen t en c e :
Last year’s profi t were swelled by
a fal l in pr odu cti on cost s.
53. (3 ) I n ex pl i c abl e (Ad j ec t i v e) =
th at can n ot be expl ain ed or u n -
derstood .
Ex em p l ar y = p rovidi n g a good
ex am p le for people to cop y.
54. (1) Th e sen t en ce sh ows fu t u r e
ti m e. Hen ce, Fu t u re si m ple i.e.
t h a t w i l l col l ect sam p l es . ...
sh ou l d b e u sed h er e.
55. (5) No correcti on requ ir ed
56. (3 ) H er e, ar e d i st r essed at ....
sh ou ld be u sed.
Di st r essed (Adj ect i v e) = u pset
an d anxiou s.
57. (2 ) H ere, passi ve of Past Perfect
sh ou ld be u sed.
58. (2 ) H er e, com m on (Ad j ect i ve)
pr act ice to talk abou t sh ou ld be
u sed.
59. (4) Br i sk = qu ick , bu sy
H en ce, t ol er at e an y d el ay ....
sh ou l d b e u sed h er e.
60. (1 ) H ere, reason ab le (Ad jective)
self-esteem (Nou n ) .... sh ou ld be
u sed.
61. (4) U n l es s i s f o l l o w ed b y a
positi ve sen ten ce. Hen ce u n less
you d ed i cat e t o .... sh ou l d b e
u sed.
62. (2 ) H ere, Pr esen t Perfect Con ti n -
u ou s i.e. h as n ot been sati sfac-
t or i l y (Ad ver b ) .... sh ou l d b e
u sed.
63. (3 ) H er e, f i r m l y b el i ev es i n
(Gen er al Pri n cip le) ------ sh ou ld be
u sed.
64. (3 ) H ere, in th e face of all th e ....
sh ou ld be u sed.
65. (2 ) Su p er i o r a gr ees w i t h
preposition ‘to’.
66. (1) Ret u r n = com e back
Hen ce, in ten d t o r etu rn / i n ten d
to com e back ......... sh ou ld be
u sed.
67. (4 ) H ere, Past Per fect i .e. If I h ad
b een i n / H ad I b een i n .........
sh ou ld be u sed.
-190-

If you h ad work ed h ard , th e j ob
wou ld h ave been com p let ed on
time.
70. (2 ) It i s pr eposit ion related error.
H en ce, can b e cl assi fi ed i n t o
......... sh ou ld be u sed.
71. (2) Here n ot an Adjective (Prob-
l em at i c) b u t Nou n (Pr ob l em )
sh ou l d b e u sed . Her e su bj ect
(Gettin g tax refu n ds) is sin gu lar.
Hen ce, i s a pr o bl em sh ou ld be
u sed.
72. (5 ) Th e World Ban k is sin gu l ar
su bj ect.
73. (2 ) T h ey i s a p l u r al su b j ect .
H en c e, p l u r a l v er b e x p e c t
sh ou ld be u sed.
74. (3 ) Decli n in g cru d e p rices (Pl u -
ral) agrees with h av e rai sed (V 3 ).
St r u c t u r e o f s e n t e n c e i n
Presen t Perfect .
su bject + h as/ h ave + V 3 (Past
participle).
75. (4 ) Here, con tin u es to be .........
sh ou ld be u sed.
INSURANCE EXAMS
(iii) Th ere h av e been a few t i ger s in
1. (3) H av en ’t y ou is a Tag Qu es-
ti on . Wh en we add a t ag qu es-
ti on to a sen ten ce in sim ple Past
Ten se, we u se d id/ did n ’t / was/
wer e/ wasn ’t / wer en ’t .
In th e given qu est ion th e sen -
t en ce is i n Si m p l e Past Ten se
wh ich is evi den t from th e u se of
‘‘you provided’’. So th e con st ru c-
ti on of th e Tag Qu est ion wi ll be
lik e th is-
Didn ’t you ?
Th erefor e t h e an swer is (3 ).
To k n ow m or e ab ou t th e stru c-
tu re of Tag Qu esti on s, see,
2. (2) ‘‘Bel ow are sh own th e di ffer -
en t Participles.
Ac t i v e Passi v e
Pr esen t : Lovi n g Pr esen t : bei n g loved
Pr efect : h avi n g Per fect : h avi n g
l oved been l oved
Past : loved”
Th e above sch ed u le sh ows th at
th e stru ctu re of Perfect Participle
in Active Voice is —
HAVING + V 3
Th erefore in th e gi ven sen ten ce
in stead of br ok e (V 2 ), br ok en (V 3)
sh ou ld be u sed to m ak e th e sen -
ten ce cor rect.
Hen ce th e an swer is (2 ).
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3. (2) Th ere are two altern atives for
th e bold part -
(i ) to go to (ii) going to
If we u se t o go t o , t h en t h ere
m u st st ay in place of st ay i n g. As
we can n ot ch an ge st ay i n g t o
st ay , so we m u st u se (2) goi n g
t o.
Now t h e qu estion i s wh eth er we
can u se go i n g d i r ect l y af t er
agr eed . A gr ee w h en u sed t o 9.
mean reach t h e sam e opi n i on on
(som et h in g) can be foll owed by a
Nou n . Here go i n g is a Geru n d
(Verb + Nou n ) wh ich i s u sed as a
Nou n . So, we can ch oose goi n g
to. H en ce t h e an swer is (2 ).
4. (4) Here th e Verb is con dit ion ed
b y t h e Su b j ect a sp u r t . As a
sp u r t is in Si n gu lar Nu m ber, so
Singu lar Verb, h as shou ld be u sed
in pl ace of h av e. So th e an swer
is (4 ).
For ex am pl e, 10.
(i) Th ere h as been a t i ger in th e zoo. 11.
  12.
VERB SING. SUB SING 13.
14.
th e zoo.
  15.
VERB PLU. SUB PLU. 16.
5. (3) Wh en a Ver b i s u sed aft er 17.
Relati ve Pron ou n t h at it is con -
18.
d it i on ed b y th e Su b ject wh ich
pr eceds t h at . 19.
For ex am pl e, 20.
(i) H e t h at i s n ot wi th m e i s again st 21.
m e.
 
SUB VERB
22.
SING SING
23.
In th e gi ven ex am p le, th e Nu m -
ber an d Person of t h e Ver b (i s) is 24.
detem in ed by th e Nu m ber an d 25.
Person of the Nou n / Nou n equ iva- 26.
len t wh ich pr eceds t h at . Li k e- 27.
wi se, in th e gi ven sen ten ce also,
h as shou ld be replaced with h ave. 28.
Th is is b ecau se, st r o r i es is i n
29.
Plu ral Nu mber. Hence th e an swer
is (3 ).
30.
6. (5) No correcti on requ ir ed
31.
7. (1) Th e sen t en ce i s i n Act i ve
32.
Voice. So on ly h ad sh ou ld be u sed
in pl ace of h ad been . So, t h e an - 33. (4) passed over
swer i s (1 ). 34. (2) Here, m easu res (plu ral) shou ld
8. (5) No soo n er is an Ad ver b.
Wh en it is u sed at th e b egi n - 35. (3 ) H ere, an teceden t (n ovel s) is
n i n g of a sen ten ce I n v er si on
r u l e decid es t h e str u ctu re of
PHRASEREPLACEMENT
th e sen t en ce. In su ch a case
we fi n d two gen erally u sed
st ru ctu res:
(i) No soon er di d ...... V 2
(ii) No soon er h ad ... V 2
For fu rth er clarification see IN-
VERSION (Adverb ) r elated ru l e.
Now, as t h e u se depar t ed (V 2 ) is
correct i n all resp ect s so th e an -
swer i s (5 ).
(4) ‘Sim ple Presen t Ten se is u sed
in stead of Sim pl e Fu tu re Ten se,
in cl au se of t i m e an d of con d i-
tion.
For ex am pl e,
(i) I sh all wait till you fi n i sh you r
lu n ch.
(ii) If it rain s we sh all get wet.
In th e given sen t en ce, wi l l r each
sh ou l d b e r epl aced with r eac h ,
as ‘‘as soon as I reach’’is a cl au se
of t i m e.
(2) h as brou gh t ou t.
(5) No correction r equ ired.
(5) No correcti on requ ir ed
(3) h ad com m itted delib erately
(3) Wh at p r even t ed t h em fr om
winn in g
(3) was ob served
(4) was equ al to th at of t h e
(3) play an im port an t r ole
(2) of parti cu l ar in t erest
(1) look in g after
(2) to be ad opt ed for eradicati on
(2) Th e st ru ctu r e of in fin itive i s :
to + V 1
H en ce, ‘r em ove h i m fr om t h e’
sh ou ld be u sed.
(3 ) b efore bein g sh ip ped fr om
(1 ) em pl oy m ore st aff soon
(5 ) No corr ecti on requ ir ed
(4 ) Th er e are bel ieved to
(3) distin gu ish ed h im self
(1) In th e very act of com m i tti n g
th e t h eft
(5) be over h asty
(4) su ffer th e con sequ en ces of h is
action s
(3) u n fair overch argin g
(4) look s u p
(3) h eld ou t
be u sed.
pl u ral. H en ce, th at h ave (pl u ral)
sh ou ld be u sed.
-191-

36. (3 ) H ere, for .... sh ou ld be u sed.
37. (4) Here, con ju n ction ‘th at’shou ld
be u sed.
38. (1) set u p
39. (3) gave away
40. (4) don e u p
41. (1) stan ds ou t
42. (2) Here, at t h e back of/ besi de
sh ou ld be u sed.
43. (1) H ere, feel b ad ....... sh ou l d
be u sed.
44. (3) Here, for n ow ....... sh ou ld be
u sed.
45. (1) H er e, b ec a u s e/ a s . . . . . . .
sh ou ld be u sed.
46. (1) H er e, t h er e h a s b een / i s
sh ou ld be u sed.
47. (4) pr esen tl y faci n g
48. (3) wi ll fal l t o as l ow as
49. (2) In all lik elih ood
50. (3) to assess
51. (1) Am on g th e k ey com p eten ci es
52. (2) Here, th ere is com pari son be-
tween two t h in gs. Hen ce, com -
parati ve degree sh ou ld be u sed.
53. (1) Can n ot i s followed by in fin i-
ti ve with ou t t o.
54. (3) In fin i tive  t o + v1
Hen ce to ach i eve sh ou ld be u sed
h er e.
MODEL EXERCISES
Di rect i on s (1 -4) : In each of these
qu estion s, you are given a sen ten ce a
part of wh i ch is u n derlin ed. Th i s is
followed by fou r ways of ph rasin g th e
u nderlined part. Select the version that
best reph rases th e u n derlin ed part.
1. Ex pect for y ou an d I , ev er y on e
br ou gh t a presen t to th e party.
(1) With the exception of you an d
I, everyon e brou gh t
(2) Except for you an d 1, every-
on e h ad brou gh t
(3) Except for you an d m e, every-
on e brou gh t
(4) Except for you an d m e, every-
on e h ad brou gh t
(5) Non e of th ese
2. Alt h ough , I calculat e t h at h e wi ll
be h ere an y minu te, I cann ot wait
m u ch lon ger for h im .
(1) Alth ou gh , I reck on that h e will
be h ere
(2) Alth ou gh , I th in k th at h e will
be h ere
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
55. (1 ) St r u ct u r e of sen t en ce i n
Pr esen t Perfect; S + h ave/ h as +
V 3 + Ob ject.
Hen ce, h ave desi gn ed sh ou d be
u sed h er e.
56. (1) Life  l ives (Plu ral)
Hen ce, Bu sy lives shou ld be u sed
h er e.
57. (4) To m od ify th e verb (blow) Ad-
v er b i . e. , m o r e p er c ep t i b l y
sh ou l d b e u sd h er e.
58. (2 ) H ere, con ti n u e to prevail (i n -
fi n it ive) sh ou l d b e u sed h er e.
59. (1 ) H ere, associated (V 3 = part i-
ci ple) wit h sh ou ld be u sed.
61. (1 ) H er e, Pr esen t p r ogr essi ve
(p assive) sh ou ld be u sed.
62. (4) Mu ch  m ore  m ost (su per -
l at i ve). H en ce, m ost p ol l u t ed
sh ou ld be u sed.
64. (4 ) H ere, Nou n sh ou ld be u sed
th er e. Hen ce, th e Passion (Nou n )
for d an ce .... sh ou ld be u sed.
65. (2 ) H ere, Despi te sh u ld be u sed.
becau se, Despit e = in spit e of.
66. (1) H er e, I n fi n i t i ve sh ou l d b e
u sed. Hen ce, m an aged t o su c-
cessful ly r efor m shou ld be u sed.
67. (2) Here, i n fin i tive i.e., t o gear
u p ... sh ou ld be u sed.
(3) Becau se I am con fidan t th at
h e will be h ere
(4) Becau se I calcu l at e th at h e
will be h ere
(5) Non e of th ese
3. We wan t t h e t each er t o be h i m
who h as th e best rapport with th e
stu den ts.
(1) We wan t th e teach er to be h e
(2) We wan t h im to be th e teach er
(3) We desire the teacher to be him
(4) We an ticipate th e teach er to
be h im
(5) Non e of th ese
4. Today th is is a t otally differen t
world t h an we h av e seen in th e
last decade.
(1) th an wh at we seen
(2) th en we h ave seen
(3) from wh at we seen
(4) from wh at we h ave seen
(5) Non e of th ese
PHRASEREPLACEMENT
68. (3 ) H er e, p r o v i d e a n y r el i ef
(Nou n ) ... sh ou ld be u sed.
69. (1) Her e, Em issi on con trol s were
sh ou ld be u sed. It is Su perfl u -
ou s t o u se ‘th e u se of’.
70. (3) Here, n ot an Ad verb , b u t Ad-
jecti ve i .e., Fi n di n g th e ri gh t tal-
en t (Nou n ) sh ou ld be u sed.
71. (4) Here, to go on st rik e sh ou ld
be u sed.
Lo ok at t h e sen t en ces :
Ai r t raffic con trollers are th reat-
ening to come ou t on/ go on strik e.
73. (1 ) It i s a fact. H en ce, Pr esen t
Si m p l e i .e., p r oves b en efi ci al
sh ou ld be u sed.
74. (2) St r u ct u r e of Sen t en ce :
Su bject + i s/ am / are + V–in g.
75. (1) H er e, Pr esen t Pr ogr essi ve
Possib ili ty i.e., asset s are bei n g
h an ded over to sh ou ld be u sed.
76. (1) Here, Su bject (Pr osp ect s) is
pl u ral. Hen ce, Pl u r al ver b i.e.,
h ave i m pr oved sh ou ld be u sed.
77. (2) Belief is a Nou n . Hen ce, He
fir m ly believes (Verb) th at sh ou ld
be u sed.
78. (4) Un o c c u p i ed = em p t y w i t h
n obody livin g th ere or tak ing care
of it or u si n g i t.
ppp
Di rect i on s (5 -9) : In each of these
qu estion s, you are given a sen ten ce a
part of wh i ch is u n derlin ed, Th i s is
followed by fou r ways of ph rasin g th e
u nderlined part. Select the version that
best reph rases th e u n derlin ed part.
5. A l t h o u gh , h e w a s t h e m o s t
frien dly of all presen t an d di ffer -
en t fr om t h e ot h er s, h e h adn ’t
h ar dl y an y fr i en ds except m e.
(1) di ffer en t from th e others, he
hardly had any friends except I
(2) di ffer en t th an th e others, he
hardly had any friends except me
(3) di ffer en t th an th e others, he
hardly had any friends except I
(4) differen t from th e others, he
hardly had any friends except me
(5) Non e of th ese
6. Si n ce, we ar e l i v i n g in Bom bay
for five years, we are relu ctan t to
m ove to an oth er city.
(1) Bein g th at we livin g
(2) Sin ce, we were livin g
(3) Sin ce, we h ave been livin g
-192-

(4) Being that we have been livin g
(5) Non e of th ese
7. As a ch i l d, m y par en t s t ook m e
t o J am m u t o v i si t m y gr an d-
m ot h er.
(1) Wh en I was a ch ild, m y par -
en ts took me to Jammu to visit
m y grandm oth er
(2) M y p ar en t s t ook m e, as a
ch ild, to J am m u to visit m y
gran dm other
(3) My parents took me to Jammu
to visit my grandmother as a
child
(4) A ch ild, m y paren ts took m e
to J am m u to visit m y gran d-
moth er
(5) Non e of th ese
8. An yon e in terested in th e u se of
com pu ter can learn m u ch i f y ou
h av e access t o a state-of-th e-art
m icrocompu ter.
(1) if h e h as access to
(2) if access is available to
(3) by access to
(4) from access to
(5) Non e of th ese
9. St ar t t h e m ot or an d t h en y ou
sh ou l d r em ov e t h e bl ock s.
(1) Start th e m otor, th en rem ov-
in g th e block s
(2) Startin g th e m otor, th e block s
sh ou ld th en be rem oved
(3) Start th e m otor an d th en re-
m ove th e block s
(4) Startin g th e motor rem ove th e
block s
(5) Non e of th ese
Di r ect i on s (1 0 -1 4 ) : In each of
th ese qu estion s, you are given a sen -
tence apart of which is u nderlined. Th is
is followed by fou r ways of ph rasin g
th e u n derlin ed part. Select th e version
t h at b est r ep h rases t h e u n d erl i n ed
part.
10. Th e Vi ce Presiden t of th e local
ban k spok e for a h al f an h ou r
an d t ol d h i s col l eagu e t h at h e,
h i s c ol l eagu e, m u st c on si der
fi n di n g a n ew J ob, or accept a
redu ction in salary.
(1) for h alf an h ou r an d told h is
colleagu e th at h e m u st con -
sider to fin d a n ew job
(2) for h alf an h ou r an d told h is
col leagu e th at th e colleagu e
m u st get em ployed by a n ew
bank
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(3) for h alf an h ou r an d told h is
colleagu e to con sider fin din g,
a n ew job
(4) No ch an ge
(5) Non e of th ese
11. He does not smoke, n or h e drin k s.
(1) n or h e does drin k
(2) n eith er h e does drin k
(3) n or does h e drin k
(4) No ch an ge
(5) Non e of th ese
12. Sh e wish ed th at h er career cou ld
be as gl am or ou s as t h e ot h er
wom en bu t n ot willin g to work as
th ey h ad.
(1) as gl am or ou s as t h e ot h er
women’s
(2) m ore glam ou rou s th an th e ca-
reer of th e oth er wom en
(3) glamorou s
(4) No ch an ge
(5) Non e of th ese
13. Althou gh, he is li abl e t o mak e po-
litical en em ies with th e decision ,
th e Fin an ce Min ister will propose
sever e t ax cu rs th at m ay b ot h
stimu late bu siness an d redu ce the
availability of loans.
(1) liable from (2) able to
(3) of a mind to (4) No ch an ge
(5) Non e of th ese
14. No m atter wh at experien ce you
h ave h ad with forest fires, i f y ou
wou l d h av e wi t n essed th e fire
r oar i n g down th rou gh th e can -
yon , you wou ld h ave been terri-
fi ed .
(1) if you witn essed
(2) if you h ad witn essed
(3) if you cou ld witn ess
(4) No ch an ge
(5) Non e of th ese
Di r ect i on s (1 5 -1 8 ) : In each of
th ese qu estion s, you are given a sen -
tence apart of which is u nderlined. Th is
is followed by fou r ways of ph rasin g
th e u n derlin ed part. Select th e version
t h at b est r ep h rases t h e u n d erl i n ed
part.
15. Eaten in Portu gal on ly, th e I n di -
an s v i ew ed t h e p o t at o w i t h
suspi cion. for t hey assumed if had
poisonous property since only the
whitesk inned people consu med it.
(1) In dian s viewed th e potato with
su spicion for th ey
(2) Indians were su spiciou s of th e
potato an d th ey
PHRASEREPLACEMENT
(3) potato was viewed with su s-
picion by In dian s wh o
(4) potato was su spiciou s to In di-
an s an d it was
(5) Non e of th ese
16. Th ough h e was m or e fast er t h an
h i s oppon en t on t h e fi el d, h is
ch an ces of win n in g th e race was
low as h e lack ed th e k iller instin ct.
(1) Th ou gh , h e was m ore faster
th an h is oppon en t on the field
(2) As h e was m or e faster t h an
h is oppon en t on th e field
(3) Th ou gh , h e w as m or e fast
from h is oppon en t on the field
(4) Th ou gh , h e was tast er t h an
h is oppon en t on th e field
(5) Non e of th ese
17. Th e l ocal l i b r ar y h as r ecom -
m en ded th at the book s pu t u p for
th e u sed book sale sh ou ld be In
good con dition an d sh ou ld h ave
n o writin g in th em or be u n der -
lin ed.
(1) an d sh ou ld h ave n o writin g in
th em or be u n derlin ed
(2) an d sh ou ld n ot h ave writin g
in th em or n ot be u n derlin ed
(3) an d con tain n o writin g or u n -
derlining
(4) with ou t con tain in g writin g or
u nderlining
(5) Non e of th ese
18. Th e news of her employm en t soon
c i r c u l at ed ar o u n d t h e sm al l
t own .
(1) ci r cu l at ed r ou n d t h e sm al l
town
(2) circu lated in th e sm all town
(3) was ci r cu l at i n g acr oss t h e
small town
(4) was ci r cu l at i n g wi t h i n t h e
small town
(5) Non e of th ese
Di r ect i on s (1 9 -2 4 ) : In each of
th ese qu estion s you are given a sen -
ten ce a part, of wh ich is u n derlin ed.
Th is is followed by fou r ways of ph ras-
ing the u nderlin ed part. Select the ver -
sion t h at best rep h rases th e u n der -
lin ed part.
19. I t i s t h e cr azi n ess for speedi n g
t h at i s m adden i n g that is respon-
sible for m an y m otor acciden ts.
(1) th e crazin ess for speeding that
is m ad
(2) th e m ad craze for speed
(3) th e m ad craze for speedin g
-193-

(4) th e craze for speedin g th at is
maddening
(5) Non e of th ese
20. If t h ey cooperat e t oget h er by di -
v i di n g u p t h e wor k , th ey sh all
be over with th e work faster.
(1) if th ey cooperate togeth er by
dividin g th e work
(2) if th ey cooperate by dividin g
u p th e work
(3) if th ey cooperate by dividin g
th e work
(4) if th ey cooperate togeth er by
division of work
(5) Non e of th ese
21. British Airspace h as been focu s-
i n g on bu i l di n g Eu r opean l i n k s.
(1) concen trating on creatin g Eu -
ropean lin k s
(2) focu sin g on forgin g Eu ropean
link s
(3) st ressin g on b u i ldi n g Eu r o-
pean con n ectivity
(4) stressing on binding Eu ropean
link s
(5) Non e of th ese
22. In Sou th ern . Ben gal, m an y ban -
yan trees are plan ted at th e en d
of a village or at th e en d of a vil-
lage or at th e border of a district,
for prov i di n g excel l en t sh ade at
su m m er s an d sh el t er d u r i n g
wi n t er fr om t h e bi t t er wi n ds.
(1) to provide excellen t sh ade in
su m m er an d in win ter, sh el-
ter from th e bitter win ds
(2) providin g excellen t sh ades of
su m m er an d sh elters of bitter
win ter win ds
(3) in order to provide sh ade in
excellen t su m mer an d sh elter
from th e win ds of bitter win -
ter
(4) for providin g excellent shades
at su m m er an d sh elter from
bitter win ds in su m m er
(5) Non e of th ese
23. Standards of reportage in the pro-
fession h ave actu ally risen in re-
cent years, wi t h speci ali st s l en d-
i n g cr edi bi l i t y for t h e pr i n t ed
wor d.
(1) with specialists who h ave len d
credibility to th e prin ted word
(2) with specialist lending credibil-
ity to th e prin ted word
(3) by specialist len din g credibil-
ity in th e prin ted word
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(4) as specialists len din g credibil-
ity to th e prin ted word
(5) Non e of th ese
24. K n owi n g t h e ar ea was pr on e t o
ear t h qu ak es, al l th e b u i ld in gs
wer e rei n forced wi th ad dition al
steel an d con crete.
(1) Havin g k n own th at th e area
was pron e to earth qu ak es
(2) Sin ce, th ey k n ew th e area was
pron e to earth qu ak es
(3) Sin ce, th e area was k n own to
be pron e to earth qu ak es
(4) Bein g pron e earth qu ak es
(5) Non e of th ese
Di r ect i on s (2 5 -2 8 ) : In each of
th ese qu estions, in the given sen tences,
a part of th e sen ten ce is u n derlin ed.
Ben eath each sen ten ce, fou r differen t
ways of ph rasin g th e u n derlin ed part
are in dicated. Ch oose th e best alter -
n ative.
25. Vi si t i n g Agr a for t h e fi r st t i m e
t h e Taj M ah al i n m oon li gh t was
t r u l y i m pr essi v e.
(1) Visitin g Agra for th e first tim e,
the Taj Mahal in moonlight was
th ese qu estion s, you are given a sen -
tru ly im pressive
ten ce a part of wh ich is u n derlin ed.
(2) Visitin g Agra for th e first tim e,
Th is is followed by fou r ways of ph ras-
I fou nd th e Taj Mahal tru ly im-
ing the u nderlin ed part. Select the ver -
pressive in th e m oon ligh t
sion t h at best rep h rases th e u n der -
(3) Visitin g Agra for th e first tim e,
lin ed pan .
I fou nd the Taj Mahal in moon-
ligh t tru ly im pressive
(4) Visitin g Agra th e first tim e, I
fin d th e Taj Mah al in m oon -
ligh t was tru ly im pressive
(5) Non e of th ese
26. T h e po l i c em en at t em p t ed t o
t act fu l l y paci fy t h e qu ar r el i n g
fam i l i es.
(1) Th e policem en at tem pted to
tactfu lly pacify th e qu arrelin g
families
(2) Th e p ol i cem en t act fu l l y at -
tem pted to pacify th e qu arrel-
ing fam ilies
(3) Th e policem en attempted tact-
fu lly to pacify the qu arrelsom e
families
(4) Th e policem en at tem pted to
pacify tactfu lly th e qu arrelin g
families
(5) Non e of th ese
27. Modern film s h ave a detrim en tal
effect on ch il d p sych ol ogy f o r
t h ey m ak e t h e ch i l dr en t h i n k
t h at v i ol en ce i s j u st i fi abl e.
PHRASEREPLACEMENT
(1) for t h ey m ak e t h e ch i l d r en
think that violence is ju stifiable
(2) for t h ese fi l m s m ak e t h em
th in k th at violen ce is ju stifi-
able
(3) for th ey m ak e th em th in k th at
violen ce is ju stifiable
(4) they mak e those children think
that violen ce is ju stifiable
(5) Non e of th ese
28. T h e war v i ct i m s n eeded n u r ses
t o ban dage t h ei r wou n ds badl y .
(1) T h e w a r v i ct i m s n eed ed
n u r s es t o b a n d a ge t h ei r
wou n ds badly
(2) Th e vi ct i m s of w ar n eed ed
n u r s es t o b a n d a ge t h ei r
wou n ds badly
(3) Th e war victim s badly n eeded
n u r s es t o b a n d a ge t h ei r
wou n ds
(4) T h e w a r v i ct i m s n eed ed
n u rses b adl y for b an dagi n g
th eir wou n ds
(5) Non e of th ese
Di r ect i on s (2 9 -3 2 ) : In each of
29. Teachers and parents alik e sh ou ld
realise th at to say a par t i cu l ar
ch i l d i s bet t er t h an t h e ot h er i s
doi n g a gr eat i n j u st i ce t o bot h
t h e ch i ldren .
(1) say a particu lar ch ild is better
th an th e oth er is doin g a great
in ju stice to th e form er
(2) say a particu lar ch ild is better
th an th e oth er is doin g a great
in ju stice to both of th em
(3) say a particu lar ch ild is better
th an th e oth er is to do a great
in ju stice to both th e ch ildren
(4) say a particu lar ch ild is good
th an th e oth er is doin g a great
in ju stice to both th e ch ildren
(5) Non e of th ese
30. He sailed for New York on Mon -
day, ar r i v i n g t h er e on Sat u r day
for t h e m u ch -awai t ed i n au gu ra-
t i on of t h e n ew h ospi t al .
(1) and arrived th ere on Satu rday
for th e m u ch -awaited inau gu -
ration of th e n ew hospital
-194-

(2) arrivin g th ere on Satu rday for
the in au gu ration of the mu ch -
awaited n ew h ospital
(3) arrivin g th ere for th e in au gu -
r at i on of t h e m u ch -awai ted
n ew h ospital on Satu rday
(4) an d arrived h ere on Satu rday
for the lon g-awaited in au gu ra-
tion of th e n ew h ospital
(5) Non e of th ese
31. After tryin g to con vin ce h im for a
lon g tim e, I realised th at h e was
on e of t h ose peopl e wh o n ev er
l i st en s t o r eason .
(1) h e was on e of th ose peop le
wh o n ever listen to reason
(2) h e was on e of th ose peop le
wh o n ever listen to reason in g
(3) h e is on e of th ose people wh o
n ever listen to reason
(4) h e is on e of th ose people wh o
n ever listen s to reason
(5) Non e of th ese
32. Th e n u m ber of ch ildren seek in g
admission to this college has risen
sh arply th is year, even th ou gh it
m ay be on l y t em por ar i l y .
(1) even th ou gh th e rise m ay be
on ly tem porary
(2) bu t it may be a tem porary rise
only
(3) bu t th e rise m ay be on ly tem -
porary
(4) bu t su ch a rise m ay on ly be a
sh ort-lived on e
(5) Non e of th ese
Di r ect i on s (3 3 -3 6 ) : In each of
th ese qu estion s, you are given a sen -
ten ce a part of wh ich is u n derlin ed.
Th is is followed by fou r ways of ph ras-
ing the u nderlin ed part. Select the ver -
sion t h at best rep h rases th e u n der -
lin ed part.
33. Th e political masters of the h ealth
care system h ave n ot listen ed to
profession al h ealth plan n ers be-
cau se it h as n ot been pr ofi t abl e
for t h em t o do t h at t h i n g.
(1) h as n ot b een p r ofi t ab le for
th em to do so
(2) h as n ot b een p r ofi t ab le for
th em to do th at th in g
(3) has been u n profitable for them
to do th at th in g
(4) has been u n profitable for them
to do so
(5) Non e of th ese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
34. Most bacterial popu lation grown
i n con t r ol l ed con d i t i o n s w i l l
qu ick ly expan d to lim it th e food
su p p l y, p r o d u c e t o x i c w ast e
pr od u ct s t h at i n h abi t fu r t h er
gr owt h an d r each ed an equ i l i b-
r i u m st at e wi t h i n a r el at i v el y
sh or t t i m e.
(1) will h ave produ ced toxic waste
produ cts th at in h ibit fu rth er
growth an d also will reach an
equ ilibriu m state within a rela-
tively sh ort tim e
(2) produ ce toxic waste produ cts
t h at i n h ib i t fu rt h er gr owth ,
an d reach ed an equ ilib riu m
state with in a relatively sh ort
time
(3) will th en produ ce a toxic waste
produ ct th at in h ibits fu rth er
growth an d th u s reach ed an
equ i l i br i u m st at e i n a ver y
sh ort tim e
(4) produ ce toxic waste produ cts
th at inhibit fu rther growth and
reach equ ilibriu m
(5) Non e of th ese
35. It cou ld be argu ed th at th e m ost
significan t virtu e of a popu lar de-
m ocracy is n ot th e righ t to par -
ticipate in th e selection of lead-
ers, bu t rat h er t h at i t affi r m s ou r
i m p or t an ce i n t h e sch em e of
thin gs.
(1) bu t rath er is affirm ation of
(2) bu t rath er th at it affirm s
(3) bu t rath er it’s affirm ation in
term s of
(4) bu t in stead of th at ; its affirm -
ing that
(5) Non e of th ese
36. Lon g popu lar am ong the con nois-
seu r s o f I n d i an m u si c, Ra vi
Sh an k ar first im pressed Wester n
l ist en er s wi th h i s ph en om en al
technical virtu osity, but t hey soon
cam e t o appreci at e h i s m u si c as
an ar t fu l expression of an older
cu ltu re’s mu sical in sight.
(1) bu t it soon occu rred th at th ey
appreciated h is artfu l mu sic as
an
(2) bu t th ey soon cam e to appre-
ciate h is m u sic as an artfu l
(3) bu t soon th is was su rpassed
by an appreciation of it as an
artfu l
PHRASEREPLACEMENT
(4) wh ich was soon su rpassed by
an even deeper appreciation
of it as an artfu l
(5) Non e of th ese
Di r ect i on s (3 7 -4 0 ) : In each of
th ese qu estion s, you are given a sen -
ten ce a part of wh ich is u n derlin ed
Th is is followed by fou r ways of ph ras-
ing the u nderlin ed part. Select the ver -
sion t h at best rep h rases th e u n der -
lin ed part.
37. To prepare h im self, h e su bjected
h im self to two week s of total ab-
stin en ce an d inten sive train in g in
th e open fields of Pan ipat, cl i m b-
i n g t h e h i l l s n ear by 3 0 t i m es,
spen d n i gh t s i n t h e open an d t o
t est t o see how long he cou ld hold
ou t withou t food.
(1) spending nights in th e open by
clim bin g th e hills n earby 30
tim es and tested for seein g
(2) cli m bed th e h ill s n earby 30
tim es, spen din g n igh ts in th e
open an d tested to see
(3) clim bin g th e h ills n earby 30
t i m es, sp en d n i gh t s i n t h e
open an d to test to see
(4) clim bin g th e h ills n earby 30
tim es, spen din g n igh ts in th e
open an d testin g to see
(5) Non e of th ese
38. In ru ral In dia, m an y m an go trees
are plan ted at th e en d of a village
or at the border of a district, for
providing excellen t sh ade duri ng
sum mer and shelter during wint er.
(1) in order to provide excellen t
sh ade in su m m er an d sh elter
in win ter
(2) to provide excellent sh ade in
su m m er an d sh elter in win ter
(3) for providin g excellen t sh ade
du ri n g su m m er an d sh elt er
du rin g win ter
(4) so as t o excel len t l y pr ovid e
sh ade in su m m er an d sh elter
in win ter
(5) Non e of th ese
39. Men tal in telligen ce an d com m on
sen se are essen tial for ou tstan d-
in g ach ievem en t becau se th ey in -
volve y o u r n at u r al abi l i t y t o
com pr eh en d di ffi cu l t con cept s
qu i ck er an d t o an al y se t h em
cl ear l y an d i n ci si vel y .
(1) you r natu ral ability of compre-
h en sion of difficu lt con cepts
-195-
 PHRASEREPLACEMENT
qu ick ly an d clear an d in cisive 3. (1) After ‘to be’nominative pronou n ad j ect i ves h ave b een u sed. To
an alysis of it (h ere ‘he’) shou ld be u sed. ‘He’h as sh ow pu rpose to + V 1 is u sed n ot
(2) one’s natu ral ability for the com- to com e at th e last becau se of for + vin g.
prehension of difficu lt concepts relative pron ou n ‘who’. 23. (2) ‘Credibility to’. In option 4, ‘As’
qu i ck ly an d an alysin g t h em 4. (4) With ‘differen t’from is u sed. is con ju n cti on an d aft er t h is a
clearly and in cisively 5. (4) With ‘hardly’(being negative in com plete sen ten ce, n ot a ph rase,
(3) you r n atu ral ability to compre- m ean i n g) n o n egat i ve wor d i s was n eeded.
hend difficu lt concepts qu ick er u sed. Wi th differ en t ‘from ’ an d 24. (3) ‘Kn owin g’ h ad to agree with
an d to an alyse th em clearly after ‘except’n om in ative is u sed. t h e su b j ect com i n g aft er t h e
an d in cisively 6. (3) ‘For five years’will tak e present com m a (h ere ‘bu ildings’) which is
(4) one’s natu ral ability to compre- perfect con tin u ou s. n ot possib le. So, sep arat e sen -
hend difficu lt concepts qu ick ly 7. (1) ‘As a ch ild’in option b ; c an d d ten ces are n eeded.
an d to an alyse th em clearly is qu alifyin g a wron g n ou n . 25. (2) After com m a I m u st com e (to
an d in cisively agree with ‘visitin g’). Then, the Taj
8. (1) For ‘an yon e’an oth er pron ou n
(5) Non e of th ese was im pressive in th e m oon ligh t,
is n eeded an d it sh ou ld be th ird
40. Pan ch ayati Raj in stitu t ion s are person sin gu lar nu m ber. n o th at I fou n d t h e Taj i n th e
n ow en tru sted u pon th e ex ecu - moonlight.
9. (3) Both th e sentences are im pera-
t i o n o f al l r u r al u p l i f t m en t 26. (3) Th e position of adverb is after
tive; su bject (‘you ’) in th e secon d
sch em es an d progr am s in In dia.
d sen ten ce is n ot requ ired. th e verb wh ich it qu alifies. An d
(1) entru sted with the execu tion of t h en ‘t act fu l l y’ i s i n t en d ed t o
10. (3) ‘Half an h ou r’ is n ecessary;
all ru ral u pliftm en t sch em es qu alify ‘attem pted’.
op t i on 2 b y ch a n gi n g w o r d s
and program s
ch an ges th e m ean in g of th e u n - 27. (1) Th ere is n o error in th e u n -
(2) en tru sted with th e execu tion
derlin in g part. derlin ed part.
of all ru ral u plift schem es an d
program s 11. (3) With ‘n or’at th e beginn ing th e 28. (3) Th e adverb ‘badly is in ten ded
sen ten ce tak es in version ie, AV + to qu alify ‘n eeded’. No ch an ge in
(3) entru sted u pon the execu tion
su bject; so “does h e”. th e rest part.
of all ru ral u pliftm ent schem es
and program s 12. (1) In com parative an d positi ve 29. (3) ‘to say’will be com pared with
d egrees com pari son sh ou ld b e ‘to do’.
(4) en tru sted within the execu tion
made between equ al qu alities. So, 30. (1) ‘ar ri vi n g’ sh ou l d b e gi ven a
for all ru ral u plift program s
after secon d ‘as’eith er ‘th at of or prin ciple verb form in past.
an d sch em es
‘oth er wom en ’s’(career is h idden
(5) Non e of th ese 31. (1) ‘listen’shou ld be plu ral in form
h ere) is requ ired.
as it h as com e for people.
13. (4) No ch an ge
SHORT ANSWERS 32. (3) Two contradictory statements are
14. (2) If + past perfect. to be combined and ‘even thou gh’
1.(3) 2.(1) 3.(1) 4.(4) 15. (3) ‘Eaten ’ h as to agree with th e does not mak e any sense here.
su bject com in g after th e com m a
5.(4) 6.(3) 7.(1) 8.(1) 33. (1) ‘to do so’ is a better expres-
an d it is ‘potato’.
sion th an ‘to do th at th in g’.
9.(3) 10.(3) 11.(3) 12.(1) 16. (4) D ou b l e com p a r at i ve (h er e
34. (4) ‘expan d’, ‘produ ce’an d ‘reach ’
‘m or e fast er ’) i s w r on g. On l y
13.(4) 14.(2) 15.(3) 16.(4) bein g m ain verbs will be in th e
‘faster’ is correct.
sam e form .
17.(2) 18.(2) 19.(3) 20.(3) 17. (2) Negat i ve wor d for b ot h t h e
35. (2) bu t rath er th at it affirm s.
21.(1) 22.(1) 23.(2) 24.(3) parts ie, before an d after ‘or’ is
requ ired and a su itable agreement 36. (4) Th ere sh ou ld be ‘wh i ch ’ n ot
25.(2) 26.(3) 27.(1) 28.(3) with ‘sh ou ld’. ‘bu t’ becau se th e sen ten ces are
n ot con tradictory.
29.(3) 30.(1) 31.(1) 32.(3) 18. (2) In circu late sen se of ‘arou n d’
is implied. 37. (4) Th e verbs - clim b, spen d, to
33.(1) 34.(4) 35.(2) 36.(4) test - shou ld m ain tain equ al form
19. (3) Speeding means traffic offence
of drivin g at a dan gerou s speed. (participle h ere).
37.(4) 38.(1) 39.(4) 40.(1)
20. (3) In ‘cooperate’sense of ‘togeth er’ 38. (1) Between ‘in order to +V 1 ’, an d
is im plied an d with ‘divide’‘u p’is ‘to V 1 ’th e form er is preferable.
EXPLANATIONS n ot u sed. 39. (4) In place of ‘you r’th ere sh ou ld
21. (1) Better altern atives of ‘focu s- be ‘on e’s’. In order to qu alify th e
1 . (3) Aft er ‘except ’ pr on ou n sh ou ld ver b ‘com p r eh en d ’ an ad ver b
in g’(in ‘concentrating’) and ‘bu ild-
be in object ive case; so ‘m e’. ‘qu ick ly’is n eeded.
in g’(in ‘creating’) are available.
2. (1 ) Reck on m ean s ‘t o assu m e’
22. (1) Notice th e place of ‘excellen t’ 40. (1) ‘En tru st with ’ m ean s to pro-
wh ereas calcu late mean s ‘to-esti-
an d ‘bitter’ an d for wh om th ese vide a respon sibility.
m ate som eth in g on som e basis’.
ppp
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-196-
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PHRASE MEANING
NATIONALISED BANKS
& IBPS PO/MT/SO
Di r ect i on s (1 –5 ) : In each of th e
followin g qu estion s, a sen ten ce con -
taining an idiomatic expression an d its
fou r possible m ean in gs are given. Fin d
ou t correct m ean in g of th e idiom atic
expression an d m ark th e n u m ber of
th at m ean in g as you r an swer. If you
do n ot fin d an y correct an swer, m ark
‘5’i.e., ‘Non e of th ese’as you r an swer.
(Syndi cat e Bank PO Ex am . 10.10.2004)
1. He was i n h i gh spi r i t s wh en I
m et h im in th e restau ran t.
(1) in a dru n k en state
(2) in a ch eerfu l m ood
(3) talk in g in coh eren tly
(4) deeply en grossed in th ou gh ts
(5) Non e of th ese
2. He st r u ck sev er al bad pat ch es
before h e m ade good.
(1) cam e across bad sail
(2) wan t th rou gh m an y illn esses
(3) h ad a bu m py car ride
(4) h ad m an y profession al diffi-
cu lties
(5) Non e of th ese
3. Tru ly h e is a ch i p off t h e ol d
bl ock .
(1) very sim ilar to h is fath er
(2) a good actor
(3) an h on ou rable man
(4) ou tdated in h is m an n erism s
(5) Non e of th ese
4. Veera h as u n k nowingly bi t t en off
m or e t h at sh e can Ch ew.
(1) been very greedy
(2) always been h u n gry
(3) an u pset stom ach
(4) little regard for oth ers
(5) Non e of th ese
5. T h e bar e bon es of th e con versa-
tion h ad been th at h e h ated m y
gu ts.
(1) Th e n ak ed tru th
(2) J u st bon es
(3) Th e m ain poin t
(4) Th e detailed an alysis
(5) Non e of th ese
Di r ect i on s (6 -1 0 ) : In each of th e
followin g sen ten ces, an idiom atic ex-
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
pression or a pr ov er b i s h i gh l i gh t ed.
Select th e altern ative wh ich best de-
scribes its u se in th e sen ten ce. If n on e
of th e altern atives explain s th e u sage
of th e term adequ ately, give ‘Non e of
th ese’as you r an swer.
(Un i t ed Ban k Of I n di a PO
Exam . 14.11. 2010)
6. “Ram an is th e best player th at
ou r team has and in the big games
against the best players, he t ak es
n o pr i son er s.”
(1) Ram an i s d et er m i n ed an d
d oes n ot car e ab ou t ot h er
people’s opin ion s wh ile play-
in g in th e big gam es again st
th e best players.
(2) In th e big gam es again st th e
best players Raman physically
i n j u res ever y p l ayer of t h e
oth er team .
(3) Ram an is very cau tiou s an d
plan s every m ove wh ile play-
in g in th e big gam es again st
th e best players.
(4) Raman employs u n fair means
wh ile playing in th e big gam es
again st th e best players.
(5) Non e of th ese
7. By revising th e tax code, the Gov-
ernment wou ld be openin g a Pan -
dor a’s Box .
(1) The Governm en t wou ld be in -
vitin g th e pu blic wrath on re-
visin g th e tax code.
(2) Alon g with th e revision of th e
t ax cod e t h e Gover n m en t
wou ld get several oth er u n -
k n own ben efits.
(3) Th e Gover n m en t wou l d b e
inviting a series of u n foreseen
trou bles by revisin g th e tax
code.
(4) Revisin g th e tax code wou ld
work to th e advan tage of th e
Govern m en t.
(5) Non e of th ese
8. An u j h ad m ade a h u ge m istak e
i n th e p r esen t at i on ab ou t h i s
com pan y an d th u s h is im m edi-
ate boss t ook h i m t o t ask .
(1) An u j’s im m ediate boss took
An u j to h is su perior for an -
other assign ment after h e had
m ade a m istak e in th e pre-
sen tation .
PHRASE MEANING
(2) An u j ’s im m ed i at e b oss pa-
tien tly explained to An u j th at
th e m istak e m ade by h im in
th e presen tation was excu s-
able.
(3) An u j’s im m ediate boss com -
pletely ignored Anu j’s m istak e
in th e presen tation an d ex-
p lain ed t o h im ot h er task s
th at were to be don e.
(4) An u j ’s i m m ed i ate b oss as-
sign ed An u j anoth er job after
h e h ad m ade a m istak e in h is
presen tation .
(5) Non e of th ese
9. Ritu tried h er best to con vin ce
th e villagers to open a sch ool for
th e ch ildren , bu t it look ed lik e
sh e was beat i n g a dead h or se.
(1) Ritu ’s effort of tryin g to con -
vin ce th e villagers to open a
sch ool for th e ch il dren was
b ei n g p er ceived as a state-
m en t of an ger.
(2) Ritu was tryin g h arder th an
was necessary to con vince th e
villagers to open a sch ool for
th e ch ildren .
(3) Ritu ’s effort of tryin g to con -
vin ce th e villagers to open a
school for the ch ildren did n ot
look lik e it wou ld su cceed.
(4) Ritu look ed desperate wh ile
tryin g to con vin ce th e villag-
ers to open a sch ool for th e
children .
(5) Non e of th ese
10. Left t o h i s own devi ces, Mahesh
wou ld h ire som eon e to d o t h e
dirty work of wash in g dish es.
(1) Mah esh n eeded con stan t su -
pervision in order to wash th e
dish es.
(2) If Mah esh were allowed to do
as h e wish ed, h e wou ld ap-
poin t som eon e to wash t h e
dish es.
(3) Mah esh wou ld u se a series of
devi ces in order to app oi n t
som eon e to wash th e dish es.
(4) Mah esh wou ld h ire som eon e
t o wash t h e d i sh es i n t h e
dish wash er.
(5) Non e of th ese
-197-

Di r ect i on s (1 1 -1 5 ) : In each of
th e followin g sen ten ces, an i di om at i c
ex p r essi o n or a p r o v er b i s h i gh -
l i gh t ed. Select th e altern ative wh ich
best describes its u se in th e sen ten ce.
(UCO Ban k PO Ex am . 30.01.2011)
11. Man y In dian com panies h ave in -
vested in developing n ewer prod-
u cts an d services, bu t th eir goal
is u su ally to create in expen sive
offer i n gs on sh o est r i n g bu d -
get s.
(1) exorbitan t bu dgets
(2) a sm all su m of m on ey
(3) large scale bu dgets
(4) lon g bu dgets
(5) overrated bu dgets
12. The party did not begin till eight,
bu t we were ear l y bi r ds, an d got
to th e h all at seven th irty.
(1) early risers
(2) h avin g n o estim ation of tim e
(3) determ in ed to leave on tim e
(4) pressed for tim e
(5) th e first to arrive
13. Th e Sm ith s are tryin g to fin d a
h otel for th e n igh t, an d we are
i n t h e sam e box .
(1) tagging alon g
(2) claim ing for the same services
(3) in th e sam e con dition
(4) in a worse con dition
(5) h ave a spare room
14. Mich ael h as n ot k ept h i s wor d
so man y times that I can not tru st
h im anym ore.
(1) revealed only limited inform a-
tion.
(2) n ot spok en th e tru th
(3) failed to k eep h is prom ise
(4) spok en ou t of tu rn
(5) lash ed ou t in an ger
15. The actor’s family was completely
k n ock ed ov er by th e n ews.
(1) failed to recollect an yth in g
(2) com pletely overwh elm ed
(3) in a state of disapproval
(4) in a state of den ial
(5) Un m oved
Di r ect i on s (1 6 -2 0 ) : In each of
th e followin g sen ten ces, an idiom atic
expression or a pr ov er b i s h i gh l i gh t -
ed. Select th e altern ative wh ich best
describes its u se in th e sen ten ce.
(I BPS Speci al i st Off i cer CWE 11.03.2012)
16. Fact s spok e lou der t h an words
at th e Com pan y m eetin g wh ere
th e Director tried to pain t a rosy
pictu re of th e Com pan y’s fin an -
cial health .
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H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(1) Too m an y facts related to th e
good fin an cial h ealth of th e
Com p an y wer e p r esen t ed
du rin g th e m eetin g.
(2) Th e Com pan y was n ot doin g
wel l fi n an ci ally desp ite th e
Director sayin g oth erwise.
(3) Th e Director was very lou d
wh i l e pr esen t i n g t h e fact s
abou t th e Com pan y’s fin an -
cial h ealth du rin g th e m eet-
ing.
(4) Th e facts stated in th e m eet-
in g su pported th e Director’s
cl ai m s of goo d fi n an ci al
h ealth of th e Com pan y.
(5) Th e Com pan y was doin g ex-
ception ally well fin an cially,
despi te th e Di rector sayin g
oth er wise.
17. By in itiatin g th e figh t with Sak -
shi in office, Kajal had k i ll ed t h e
goose t h at l ay t h e gol den egg.
(1) By in it iatin g th e figh t with
Sak sh i in office, Kajal had left
h er speech less.
(2) Kajal h ad ru in ed h er ch an c-
es of su ccess b y p ick in g a
figh t with Sak sh i in office.
(3) Kaj al h ad ex act ed h er r e-
ven ge by pick in g a figh t with
Sak sh i in office.
(4) Kaj al h ad h u r t Sak sh i b y
pi ck in g a figh t with h er in
offi ce.
(5) By in it iatin g th e figh t with
Sak sh i in office, Kajal h ad
m i ssed get t i n g t h e gol d en
egg.
18. I l et t h e ch i ps fal l wh er e t h ey
m ay an d do n ot worry too m u ch
abou t wh at I wan t to do n ext.
(1) I tak e calcu lated risk s.
(2) I let oth ers do what th ey wan t
an d do n ot in terfere.
(3) I am clu m sy.
(4) I do n ot try to control my des-
tiny.
(5) I prefer ch aos to calm .
19. Aft er t r yi n g h ar d t o con vi n ce
Naren d ra to ch an ge h is ways,
Ram an realised th at a l eopar d
can n ot ch an ge i t s spot s.
(1) Ram an realised th at Naren -
dra wou ld n ever ch an ge h is
ways.
(2) Ram an realised th at Naren -
dra was h elpless.
(3) Ram an realised th at h e was
n ot good at con vin cin g oth -
er s.
PHRASE MEANING
(4) Ram an realised th at Naren -
dra wou ld ch an ge h is ways
soon .
(5) Ram an realised that someone
else was forcin g Naren dra to
act in a certain way.
20. Before startin g work on ou r n ew
project, ou r m en tor told u s to
n ot cou n t ou r ch i ck en s befor e
t h ey h at ch ed.
(1) O u r m en t o r w a r n ed u s
again st bein g over con fiden t
abou t ach ievin g su ccess.
(2) Ou r m en tor ask ed u s to m e-
ticu lou sly cou n t th e ch ick en
first an d th en th e eggs.
(3) O u r m en t o r w a r n ed u s
against being over -enthu sias-
t i c i n i m p l em en t i n g t h e
project.
(4) Ou r m en tor warned u s abou t
all th e ch al len ges t h at lay
ah ead of u s.
(5) Ou r m en t or i n for m ed u s
ab ou t t h e p r i zes t h at w e
wou ld get on su cceedin g.
Di r ect i on s (2 1 -2 2 ) : In each of
th e sen ten ces given below, a ph rase
h as been prin ted in bol d. Which of th e
words/ grou p of words. (1), (2), (3) an d
(4) given below each sen ten ce repre-
sen ts th e m ean in g of th e ph rase, as
u sed in th e sen ten ce. If n on e of th e
words/ grou p of words represen ts th e
m ean in g, give th e an swer (5), ‘Non e of
th ese’.
(I DBI Ban k Of f i cer Ex am .16.09.2012)
21. Th e old wom an lied abou t h er
h u sban d beh i n d h i s back .
(1) in h is absen ce
(2) in h is presen ce
(3) in an yon e’s absen ce
(4) in everyon e’s presen ce
(5) Non e of th ese
22. He was called u pon to i r on ou t
differen ce an d brin g abou t rec-
on ci liati on between con flicti n g
poin ts of view.
(1) settle (2) create
(3) manipu late (4) vote ou t
(5) Non e of th ese
Di rect i on s (23–27 ) : Which of the
ph rases (1), (2), (3) an d (4) given below
each sen t en ce sh ou l d r ep l ace t h e
ph rase given in bol d in th e followin g
sen ten ce to m ak e th e sen ten ce gram -
matically meaningfu l and correct? If the
sen ten ce is correct as it is an d ‘No cor -
rection is requ ired ’, m ark (5) as th e
an swer.
(I BPS Ban k PO/ M T CWE
Ex am . 17. 06.20 12)
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23. US secret ar y of st at e m ad e i t
clear th at tim e r u n n i n g ou t for
d ip l om acy over Ir an ’s n u clear
program m e an d said th at talk s
aimed at preventin g Teh ran from
acqu i r i n g a n u cl ear w eap on
wou ld resu m e in April.
(1) ru n s ou t
(2) was ru n n in g ou t
(3) ran ou t (4) ru n
(5) No correction requ ired
24. Wh ile th e war of the generals rage
on , som ewh er e i n sm al l town
In dia, won derfu l th in gs are h ap-
pen in g, qu ietly an d m in u s fan -
far e.
(1) rage (2) raging
(3) rages on (4) raged on
(5) No correction requ ired
25. Accordin g to WWF, th e sm all is-
lan d n ation of Sam oa was t h e
fi r st i n swi t ch off its ligh ts for
Earth Hou r.
(1) first to switch of
(2) th e first to switch off
(3) th e first of switch off
(4) first in switch of
(5) No correction requ ired
26. The campaign is sign ifican t be-
cau se n ot j u st th e you th s are di-
rectly appealin g to the world bu t
becau se their efforts ch allenge the
chim era of n orm alcy in th e area.
(1) n ot ju st becau se
(2) ju st n ot becau se
(3) n ot ju st
(4) becau se ju st
(5) No correction requ ired
27. Th e d oct or ’s associ at i on h as
t h r eat en ed to go on i n defin it e
strik e su ppor t of th eir teach ers.
(1) on su pporting to
(2) to su pportin g
(3) for su pport
(4) in su pport of
(5) No correction requ ired
SBI PO EXAMS
Di r ect i on s (1 -5 ) : In each of th e
followin g qu estion s an idiom atic ex-
pression an d its fou r possible m ean -
in gs ar e gi ven . Fin d ou t th e corr ect
m ean in g of th e idiom atic expression
an d mark th e n u m ber of th at m ean in g
as you r an swer. If you do n ot fin d an y
correct an swer m ark (5) i.e. Non e of
th ese, as you r an swer
(SBI Associ at e Ban k s PO
Ex am . 14. 02.19 99)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
1. T o cat ch a T ar t ar
(1) To catch a dan gerou s person
(2) To deal with a person wh o is
m ore th an on e’s m atch
(3) To t r ap a wan t ed cr i m i n al
with greater difficu lty
(4) To live carefu lly an d cau tiou s-
ly
(5) Non e of th ese
2. I n t h e bl u es
(1) Havin g m an y blu e th in gs
(2) Being colou rfu l
(3) Beh ave lik e a lord
(4) Melan ch oly and low-spirited
(5) Non e of th ese
3. T o sh ow t h e wh i t e feat h er
(1) To try to be beau tifu l
(2) To perform a good deed
(3) To sh ow cou rage before th e
en em y
(4) To be calm an d qu iet
(5) Non e of th ese
4. T o pl ay fast an d l oose
(1) To be n arrow m in ded
(2) To play a good gam e
(3) To act in an u n reliable way
(4) To defeat a person
(5) Non e of th ese
5. Wear on e’s h eart on on e’s seleve
(1) To sh ow on e’s feelin gs
(2) To be m ost in tim ate
(3) To love passion ately
(4) To do th e righ t th in g
(5) Non e of th ese
Di r ect i on s (6 -1 0 ) : In each of th e
followin g qu estion s an idiom atic ex-
pression an d its fou r possible m ean -
in gs ar e gi ven . Fin d ou t th e corr ect
m ean in g of th e idiom atic expression .
If you do n ot fin d an y correct an swer
m ar k 5 i.e. “Non e of th ese” as you r
an swer.
(SBI Associ at e Ban k s PO
Ex am . 16. 07.20 00)
6. T o l ose face ____
(1) To gain an advan tage over
(2) To wait eagerly for
(3) To figh t u n fairly
(4) To avoid bein g frien dly with
(5) Non e of th ese
7. T h e r an k an d fi l e _____
(1) The ordin ary mem bers of a so-
ciety
(2) Brin g abou t appeasemen t in a
distu rbed situ ation
(3) A fu ss over a triflin g m atter
(4) An establish ed secu red righ t
(5) Non e of th ese
PHRASE MEANING
8. T o m ak e a l on g face _____
(1) To be sh ort of m on ey
(2) To m ak e a gain th at is legiti-
mate
(3) To be frien dly with
(4) To look depressed
(5) Non e of th ese
9. I n appl e pi e or der _____
(1) To ch an ge for th e better
(2) Expose on es in n er feelin gs to
others
(3) Perfectly m eth odical arran ge-
ment
(4) To escape from dan ger
(5) Non e of th ese
10. I n t h e bl u es _____
(1) Beh ave lik e a lord
(2) Melan ch oly an d low-spirited
(3) Being colou rfu l
(4) Havin g m an y blu e th in gs
(5) Non e of th ese
Di r ect i on s (1 1 -1 5 ) : In each of
the following qu estions an idiomatic ex-
pression an d its fou r possible m ean -
in gs ar e gi ven . Fin d ou t th e corr ect
m ean in g of th e idiom atic expression
an d m ark th e n u m ber of th at m ean -
in g as you r an swer on th e an swer -
sh eet. If you do n ot fin d an y correct
an swer, m ark (5) i.e. ‘Non e of th ese’
as you r an swer.
(SBI Ban k s PO Ex am . 11.02.2001)
11. T o st r ai n ev er y n er v e
(1) To spoil relationship
(2) To get afraid
(3) To try on e’s u tm ost
(4) To tak e ill
(5) Non e of th ese
12. T o h av e an ax e t o gr i n d
(1) Pin poin t fau lts of oth ers
(2) To tak e reven ge
(3) To m ak e u n r eason ab le de-
mands
(4) To h ave a selfish in terest to
ser ve
(5) Non e of th ese
13. T o t ak e h ear t
(1) To becom e h opefu l
(2) To love everyon e
(3) To prepare for a battle
(4) To with draw from activity
(5) Non e of th ese
14. T o dr aw t h e l i n e
(1) To decide on e’s occu pation
(2) To set lim its
(3) To prepare for a battle
(4) To with draw from activity
(5) Non e of th ese
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15. T o beat abou t t h e bu sh
(1) To pu n ish an in n ocen t per -
son
(2) To h an g arou nd
(3) To boast abou t on eself
(4) To rem ain idle
(5) Non e of th ese
Di r ect i on s (1 6 -2 0 ) : In each of th e
followin g qu estion s an idiom atic ex-
pression an d its fou r possible m ean -
in gs ar e gi ven . Fin d ou t th e corr ect
m ean in g of th e idiom atic expression
an d mark th e n u m ber of th at m ean in g
as you r an swer.
(SBI PO Ex am . 26.11.2006)
16. T o eat h u m bl e pi e
(1) To go to ru in s
(2) To be earn est
(3) To spread rapidly
(4) To refu se after con sen tin g
(5) To apologize
17. A wi l d goose ch ase
(1) An absurdly hopeless enterprise
(2) Afuss over a trifling matter
(3) To be insensitive to criticism
(4) To speak boastfully of oneself
(5) To protect oneself from wild ani-
mals.
18. T o be h ar d u p
(1) To look depressed
(2) To k eep starvation away
(3) To act excitedly
(4) To be sh ort of m on ey
(5) To beh ave lik e a fool
19. T o cr y wol f
(1) To come to what is most important
(2) To give false alarm
(3) To turn pale
(4) To be astonished
(5) To run away
20. T o t ak e t o on e's h eel s
(1) To act against one's own interest
(2) To assault
(3) To run away
(4) To have concern
(5) To run oneself
RBI GRADE–B
OFFICER EXAMS
Di r ect i on s (1 –5 ) : In each of th e fol-
lowing sen ten ces, an idiom atic expres-
sion or a pr ov er b i s h i gh l i gh t ed. Se-
l ect t h e al t er n ati ve wh i ch b est d e-
scribes its u se in th e sen ten ce.
(RBI Gr ade-B Of f i cer
Ex am . 11. 10.20 09)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
1. Although Ravi felt lonely in his fight
again st th e wron g, h e decided to
t ak e t h e bu l l by t h e h or n s.
(1) Ravi decided to con vin ce oth -
ers of h is stan ce
(2) Ravi decided to give u p h is fight
(3) Ravi decided to pu t forward
all h is cou rage an d stren gth
(4) Ravi decided to apologize for
h is action s
(5) Non e of th ese
2. As th e situ ation got ou t of con -
trol, th e speak er of the parliam en t
tr ied to pu t oi l ov er t r o u bl ed
wat ers.
(1) Th e speak er tried to calm th e
situation
(2) Th e speak er tried to tak e ad-
van tage of th e situ ation
(3) Th e speak er ju m ped in to th e
figh t
(4) Th e speak er rem ain ed in dif-
feren t to th e situ ation
(5) Non e of th ese
3. Th e research er tried h is best to
explain the im portance of h is new
discovery to th e pan el m em bers
b u t soon real ised t h at h e was
cast i n g pear l s befor e a swi n e.
(1 ) H e r eal i sed t h at t h e p an el
m em bers wou ld tak e h is su g-
gestion s seriou sly
(2) He realised th at h e disclosed
th e i n form ation to a greedy
pan el
(3) He realised th at h e h ad com e
to th e righ t grou p of people
(4 ) H e r eal i sed t h at t h e p an el
m em bers can n ot appreciate
h is fin din gs
(5) Non e of th ese
4. The chairman had to eat a h um ble
pi e after th e work ers decided to
go on strik e to protest again st th e
biased prom otion s.
(1) Th e ch airm an politely refu sed
to tak e th e prom otion orders
back
(2) The chairman gave u p his pride
and apologized for the mistak e
(3) Th e ch airm an h ad to face de-
feat by a grou p of ordin ary
work er s
(4) Th e ch ai r m an ’s career was
tin ted du e to th e allegation s
of biased prom otion s
(5) Non e of th ese
5. Th e ban k ru p t organ isation h as
been h an ded over to its n ew own -
ers, l ock , st ock an d bar r el s.
PHRASE MEANING
(1) On ly a few departm en ts of th e
ban k ru pt organ isation s h ave
been tak en over by th e n ew
own ers
(2) Th e n ew own ers h ave bou gh t
the ban k ru pt organisation for
a very n omin al am ou n t
(3) Th e own ers h ave bou gh t th e
ban k r u p t organ isati on in a
hu rry
(4 ) Th e n ew own er s h ave com -
pletely tak en over th e ban k -
ru pt organ isation
(5) Non e of th ese
INSURANCE EXAMS
Di r ect i on s (1 –5 ) : In each of th e
followin g qu estion s an idiom as been
given followed by fou r altern atives, on e
of wh ich is its correct m ean in g. Fin d
th e correct altern ative in each case.
(Or i en t al I n di a I n sur an ce CO.
AAO Ex am . 27.01.2002 )
1. To be at on e's wit's en d
(1) to be u n h appy
(2) to be sorely perplexed
(3) to forget everyth in g
(4) to go m ad
2. To be on th e h orn s of a dilem m a
(1) to be in a fix
(2) to be jin xed
(3) to be con fu sed
(4) to be u tterly sore
3. To be u n der a clou d
(1) to be in th e dark
(2) to be h idden
(3) to be su spiciou s
(4) to be in disgrace
4. To beat a retreat
(1) to figh t th e en em y
(2) to tak e rest
(3) to with draw
(4) to h ide from th e en em y
5. To break th e ice
(1) to break th e n ews
(2) to break a pain fu l silen ce
(3) to start th e work
(4) to k eep cool
Di r ect i on s (6–10 ) : In the follow-
ing qu estion s each senten ce has a bold
word or ph rase followed by fou r alter -
natives. Choose the on e that best k eeps
th e m ean in g of th e origin al sen ten ce if
it is su bstitu ted for th e bol d word or
ph rase.
(Un i t ed I n di a I n sur an ce AAO
Ex am .0 3 .0 6 .2 0 12 )
-200-
 PHRASE MEANING
6. If on e aids an d abets a crim in al, wh ich best expresses th e m ean -
h e is also con sidered gu i l t y of in g of th e given idiom / ph rase: RBI GRADE–B
t h e cri m e. El bow r oom OFFICER EXAMS
(1) su spiciou s (2) daring (1) op p or t u n i ty for fr eed om of
(3) cu lpable (4) ru th less action
1. (3) 2. (1) 3. (4) 4. (2)
7. T o l ook qu i ck l y t h rou gh a book (2) special room for th e gu est
is an im portan t stu dy sk ill. (3) to give en ou gh space to m ove 5. (4)
(1) sk im (2) su mmarize or work in
(3) ou tline (4) paraph rase (4) to add a new room to the hou se
(NICL (GIC) AO (Fi n ance)
INSURANCE EXAMS
8. Th e Revolu tion aries h ad to m us-
Ex am . 08 .09.20 13)
t er u p enou gh m en to oppose th e
British arm y. 15. In th e following qu estion, fou r al- 1. (2) 2. (2) 3. (4) 4. (2)
tern atives are given for th e idi-
(1) fin ance (2) disgu ise 5. (1) 6. (3) 7. (1) 8. (4)
om / ph rase. Ch oose th e an swer
(3) con vince (4) gather
wh ich best expresses th e m ean - 9. (2) 10. (4) 11. (2) 12. (2)
9. For you r safety an d th e safety of in g of th e given idiom / ph rase :
oth ers, always pay at t en t i on t o To play fast an d loose 13. (4) 14. (3) 15. (2) 16. (4)
traffic sign als. (1) to deceive som eon e
(1) overlook (2) h eed (2) to be playfu l
(3) glan ce at (4) repair (3) say on e th in g an d do an oth er EXPLANATIONS
10. Li ft i n g t h e sh oul ders is a gestu re (4) to be efficien t
th at indicates lack of interest. (NICL (GIC) AO (Fi n ance) NATIONALISED BANKS
(1) napping (2) yowing Ex am . 08 .09.20 13)

(3) blink ing (4) sh ru gging

16. Ch oose th e alternative wh ich best & IBPS PO/MT/SO
expresses th e m ean in g of th e Id-
11. Ch oose th e alternative wh ich best iom / Ph rase. 1. (2) in a ch eerfu l m ood
ex p r esses t h e m ean i n g of t h e At t h e el ev en t h h ou r 2. (4) h ad m an y profession al diffi-
Idiom / Ph rase. (1) Too late cu lties
To foam at on e’s m ou th (2) too early 3. (1) very sim ilar to h is fath er
(1) to bru sh properly (3) im mediately 4. (5) Non e of th ese
(2) to get very an gry (4) at th e last m om en t 5. (3) Th e m ain poin t
(3) to salivate on seein g food (NICL (GIC) AO (Fi n ance)
6. (3) Ram an is very cau tiou s an d
(4) Non e of th ese Ex am . 08 .09.20 13)
plan s every move wh ile playin g in
(NICL (GIC) AO (Fi n ance)
th e big gam es again st th e b est
Ex am . 08 .09.20 13) SHORT ANSWERS players.
12. Ch oose th e alternative wh ich best
ex p r esses t h e m ean i n g of t h e 7. (3) Pan dor a’s box (Nou n ) m ean s
Idiom / Ph rase. NATIONALISED BANKS : a p rocess t h at if star t ed wil l
t o feel l i k e a fi sh ou t of wat er cau se m an y problem s th at can -
& IBPS PO/MT/SO n ot be solved.
(1) disgu sted
(2) u n comfortable 8. (5) Idiom t ak e som ebody t o t ask
1.(2) 2.(4) 3.(1) 4.(5)
(3) disappointed m ean s : t o cr i t i ci ze som eb od y
5.(3) 6.(3) 7.(3) 8.(5) stron gly for som eth in g th ey h ave
(4) h om eless
(NICL (GIC) AO (Fi n ance) don e.
9.(3) 10.(2) 11.(2) 12.(5)
Ex am . 08 .09.20 13) 9. (3) Ritu ’s effort of tryin g to con -
13.(3) 14.(3) 15.(2) 16.(2) vi n ce t h e vi l l ager s t o op en a
13. In th e following qu estion, fou r al-
tern atives are given for th e idi- sch ool for th e ch ild ren did n ot
17.(2) 18.(1) 1 9. (1) 20.(1)
om / ph rase. Ch oose th e an swer look lik e it wou ld su cceed.
wh ich best expresses th e m ean - 21.(1) 22.(1) 23.(2) 24.(3) 10. (2) Id i om l eav e so m ebo d y t o
in g of th e given idiom / ph rase: 25.(2) 26.(1) 27.(4) t h ei r ow n dev i ces m ean s : t o
T o bu r n a h ol e i n t h e pock et leave som eb ody alon e to do as
(1) to steal from som eone’s pock - th ey wish an d n ot tell th em wh at
et SBI PO EXAMS to do.
(2) to destroy oth er’s belon gin gs 11. (2) a sm all su m of m on ey
(3) to be very m iserly 1. (2) 2. (4) 3. (5) 4. (3) 12. (5) th e first to arrive
(4) m on ey th at is spen t qu ick ly 5. (1) 6. (5) 7. (1) 8. (4) 13. (3) in th e sam e con dition
(NICL (GIC) AO (Fi n ance) 14. (3) failed to k eep h is prom ise
Ex am . 08 .09.20 13) 9. (3) 10. (1) 11. (3) 12. (4) 15. (2) com pletely overwh elm ed
14. In th e following qu estion, fou r al-
13. (1) 14. (2) 15. (5) 16. (5) 16. (2 ) F ac t s sp eak l o u d er t h an
tern atives are given for th e idi-
wor ds m ean s : tru th is stron ger
om / ph rase. Ch oose th e an swer 17. (1) 18. (4) 19. (2) 20. (3
th an in ven ted story.

I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-201-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310

17. (2) K i l l t h e goose t h at l ay s t h e
gol den egg m ean s : to destroy
som eth in g th at wou ld m ak e you
rich , su ccessfu l etc.
18. (1) I tak e calcu lated risk s.
19. (1) Ram an realised th at Naren -
d r a wou l d n ever ch an ge h i s
ways.
20. (1) Don ’t cou n t y ou r ch i ck en s
befor e t h ey are h at ch ed means :
you sh ou ld n ot be too con fiden t
th at som eth in g will be su ccess-
fu l becau se som eth in g m ay still
go wron g.
21. (1) in h is absen ce
22. (1) settle
23. (2) Here, was ru n nin g ou t shou ld
be u sed.
24. (3) Here, su bject (war) is sin gu -
lar. Hen ce, rages on ..... sh ou ld
be u sed.
25. (2) Here, th e fi rst to swit ch off
(in fin itive) ..... sh ou ld be u sed.
26. (1) n ot ju st becau se
27. (4) in su pport of
SBI PO EXAMS
1. (2) To deal with a person wh o is
m ore th an on e’s m atch
2. (4) I n t h e bl u es m ay be u sed to
m ean m el an ch ol y an d l ow-spi r -
i t ed. T h e bl u es m ean s feelin gs
of deep sad n ess or depr essi on .
T h e bl u es also m ean s slow m el-
an ch ol y jazz m u sic ori gi n ati n g
am on g Bl ack s i n t h e Sou th ern
U.S.
3. (5) Sh o w t h e w h i t e f e at h e r
m ean s act in a cowar d l y way;
sh ow fear k eepin g th is m ean in g
in m in d we m ay opt for ‘‘t o be
cal m an d qui et ’’. Bu t ‘‘t o be calm
an d qu i et ’’ does n ot n ecessarily
mean ‘‘show fear’’or ‘‘act in a cow-
ardly way’’. So, we do n ot find an y
option wh ich is fit to be ch osen .
Th u s, ou r an swer is bou n d to be
(5)
4. (3) Pl ay f ast an d l o ose m ean s
ch an ge on e’s at t i t u d e t owar d s
som ebody / som eth ing repeated-
ly in an irrespon sible way; triffle
with som ebody / som eth in g.
For exam ple,
Stop playin g fast an d loose with
th at girl’s feelin gs - can ’t you see
you are u psettin g h er?
If we con sider all the given m ean -
in gs, t o act i n an u n r eli able way
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
PHRASE MEANING
seem s to be more appropriate. So, 3. (4) Th e i d iom ‘cast , t h row et c.
th e an swer is (3). pearls before swin e’ m ean s : to
5. (1) Wear on e’s h ear t on on e’s gi ve or offer valu able th i n gs to
sl eev e m ean s allow on e’s em o- peopl e wh o do n ot u n der stan d
t i on s, esp eci al ly on e’s love for th eir valu e.
som ebod y, t o b e seen . So, T o 4. (2) Th e idiom ‘eat a h u m ble pie’
sh ow on e’s feel i n gs is th e an - m eans : to say an d sh ow th at you
swer. are sorry for a m istak e th at you
6. (5) Non e of th ese m ade.
7. (1) The ordin ary mem bers of a so- 5. (4) Th e i d i om ‘l ock , st ock an d
ciety barrel’ m ean s : in clu din g every-
8. (4) To look depressed th in g.
9. (3) Perfectly m eth odical arran ge- Look at t h e sen t en ce :
ment He sold th e bu sin ess lock , stock
10. (1) Beh ave lik e a lord an d barrel.
11. (3) St r ai n ev er y n er v e (t o d o
som eth ing) m ean s to try as h ard INSURANCE EXAMS
as on e can .
12. (4) H av e an ax e t o gr i n d m ean s 1. (2) to be sorely perplexed
h ave p r ivate reason s for b ein g 2. (2) to be jin xed
involved in something. 3. (4) to be in disgrace
For exam ple, 4. (2) to tak e rest
Sh e is doin g it ou t of k in dn ess 5. (1) to break th e n ews
.....sh e h as got n o particu lar axe 6. (3) Th e word Cu l p abl e (Ad j ec-
to grin d. t i ve) mean s : respon sible and de-
13. (1) T ak e h ear t m ean s b ecom e servin g b lam e for h avin g don e
en cou raged or m ore con fiden t. som eth ing wron g.
14. (2) Draw t he li n e means to refuse 7. (1) Sk i m t h r o u gh / o v er so m e-
to do or to tolerate something. t h i n g m ean s : to read som eth in g
For exam ple, qu ick ly in order to fin d a partic-
I don ’t m in d h elpin g, bu t I draw u lar poin t or th e m ain poin ts.
th e lin e at doin g everyth in g m y- 8. (4) M u st er u p m ean s : to com e
sel f. togeth er or brin g people togeth -
15. (5) Beat abou t t h e bu sh m ean s er; gath er.
to talk abou t som eth in g with ou t 9. (2) Pay h eed m eans : to pay care-
com in g to the main point. fu l atten tion to som ebody’s ad-
For exam ple, vice or warn in g.
Stop beatin g abou t th e bu sh an d 10. (4) Sh r u g m ean s : to raise you r
tell u s wh o won . shou lders an d th en drop th em to
As th ere is no su ch option wh ich sh ow th at you do n ot k n ow or
expresses the meaning of th is id- care abou t som eth in g; sh owin g
iom clearly, so th e an swer is (5). n o in terest.
16. (5) To apologize
11. (2) Foam at th e m ou th = to be
17. (1) An absu rdly h opeless en ter -
very an gry.
prise
12. (2) To feel lik e a fish ou t of water
18. (4) To be sh ort of m on ey
= Feel u n com for t ab l e b ecau se
19. (2) To give false alarm su rrou n din gs are n ot fam iliar.
20. (3) To run away 13. (4) If m on ey bu rn s a h ole in you r
pock et, you wan t to spen d it as
RBI GRADE–B soon as you h ave it.
OFFICER EXAMS 14. (3) to give en ou gh space to m ove
or work in
15. (2) T o pl ay fast an d l oose = to
1. (3) The idiom ‘tak e th e bu ll by th e
treat som ebody/ som eth in g in a
h orn s’m ean s : to face a difficu lt
or dan gerou s situ ation di rect ly way th at sh ows th at you feel n o
an d with cou rage. respon sibility or respect for th em .
16. (4) At t h e el ev en t h h ou r = At th e
2. (1) The idiom ‘pu t oil over trou bled
waters’m ean s : to calm down th e last possible m oment; ju st in time.
situ ation. ppp
-202-
 PHRASE MEANING

MODEL EXERCISES
Di r ect i on s (1 -5 ) : Each of th ese (4) Talk abou t in an e th in gs (3) feel depressed
qu estions h as an idiom atic expression (5) Non e of th ese (4) be pleased
followed by fou r option s. Ch oose th e 8. Stick to on e’s gu n s (5) Non e of th ese
on e closest to its m ean in g.
(1) Rem ain faith fu l to th e cau se 16. Get down to brass tack s
1. To sm ell a rat
(2) Su spect som ethin g (1) begin to talk in plain , straigh t
(1) Sign s of plagu e epidem ic forward term s
(3) Mak e som eth in g fail
(2) Bad sm ell (2) begin to discuss secret matters
(4) Be satisfied
(3) Su spect fou l dealin gs (3) start u n ravelin g th e m ystery
(5) Non e of th ese
(4) To be in a bad m ood (4) get in to th e th ick of a problem
Di r ect i on s (9 -1 3 ) : Each of th ese
(5) Non e of th ese qu estions h as an idiom atic expression (5) Non e of th ese
2. To be above board followed by fou r option s. Ch oose th e 17. Ride h ell for leath er
(1) To h ave a good h eigh t on e closest to its m ean in g. (1) work h ard for a sm all accom -
(2) To be h on est in an y deal 9. In th e blu es plishment
(3) To h ave n o debts (1) Being colou rfu l (2) adopt false m ean s to su cceed
(4) To be able to swim (2) Melan ch oly and low spirited (3) ride with fu riou s speed
(5) Non e of th ese (3) Beh ave lik e a lord (4) earn m on ey by all m ean s
3. To h ave th e gift of th e gab (4) Ch eerfu l an d h appy (5) Non e of th ese
(1) A talen t for speak in g (5) Non e of th ese
(2) To do exactly th e righ t th in g 10. See eye to eye SHORT ANSWERS
(3) To be ch eerfu l (1) State at each oth er
(4) To get lots of gifts (2) Agree (3) Depen d on 1. (3) 2. (2) 3. (1) 4. (4)
(5) Non e of th ese (4) Mak e an effort 5. (2) 6. (4) 7. (2) 8. (1)
4. To fall flat (5) Non e of th ese
(1) Retreat 11. Talk sh op 9. (2) 10. (2) 11. (1) 12. (2)
(2) To m eet acciden tally (1) Talk abou t on e’s profession 13. (3) 14. (1) 15. (2) 16. (1)
(3) Qu arrel (2) Talk abou t shoppin g
17. (1)
(4) To be met with a cold reception (3) Ridicu le
(5) Non e of th ese (4) Treat lightly
5. Righ t-h and m an (5) Non e of th ese EXPLANATIONS
(1) An h on est person 12. Bad blood
(2) Most efficien t assistan t (1) In fected blood 1. (3) Su spect fou l dealin gs
(3) One who cannot use his left hand (2) Ill-feeling 2. (2) To be h on est in an y deal
(4) A foolish person (3) Un faithfu l 3. (1) A talen t for speak in g
(5) Non e of th ese (4) Su spicion 4. (4) It m ean s to fail badly in creat-
Di r ect i on s (6 -8 ) : Each of th ese (5) Non e of th ese in g in ten ded effect.
qu estions h as an idiom atic expression 13. Wear on e’s h eart on on e’s sleeve 5. (2) Most efficien t assistan t
followed by fou r option s. Ch oose th e (1) Lu re passionately 6. (4) A person wh o preven ts oth -
on e closest to its m ean in g. ers from enjoyin g som ething u se-
(2) Do th e righ t th in g
6. Dog in th e m an ger less to h im self
(3) Sh ow on e’s feelin gs
(1) A person wh o is n ot lik ed by 7. (2) See 8 for explan ation .
(4) Be intim ate
others
(5) Non e of th ese 8. (1) Rem ain faith fu l to th e cau se
(2) A person wh o is h ou n ders
Di r ect i on s (1 4 -1 7 ) : Each of th e 9. (2) It m ean s sad an d depressed.
(3) A person wh o pu ts h im self in
followin g idiom s is followed by fou r al- 10. (2) Agree
a difficu lty on accou nt of other
tern at ives. Ch oose th e option wh ich
people 11. (1) It m ean s to talk abou t on e’s
best expresses its m ean in g.
(4) A person wh o preven ts oth - work in a borin g way.
14. Tem pt providen ce
ers from en joyin g som eth in g 12. (2) It means a feeling of animosity.
u seless to h im self (1) tak e reck less risk s
13. (3) It m ean s to sh ow on e’s feelin g
(5) Non e of th ese (2) ach ieve a fortu n e
clearly.
7. Talk sh op (3) invite pu n ishm en t
14. (1) tak e reck less risk s
(1) Talk exclusively about shopping (4) h ave God’s favou r
15. (2) be offen ded
(2) Talk exclu sively abou t bu si- (5) Non e of th ese
16. (1) begin to talk in plain , straigh t
n ess or profession al affairs 15. Tak e u m brage
forward term s
(3) Talk abou t th e latest tren ds in (1) be satisfied
17. (1) work h ard for a sm all accom -
fashion (2) be offen ded
plishment ppp
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-203-
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COMPREHENSION TEST
NATIONALISED BANKS
& IBPS PO/MT/SO
Di r ect i on s (1 -8 ) : Read th e follow-
in g passage carefu lly an d an swer th e
qu estion s given below it. certain words
in th e passage are prin ted in bol d to
h elp you to locate th em easily wh ile
an swerin g som e of th e qu estion s.
(Can ar a Ban k PO Ex am . 09.02.2003)
Th e U n i v er s i t y G r an t s
Com m ission ’s directive to college an d
u n iversity lectu rers to spen d a m in i-
m u m of 22 h ou r s a week in di r ect
teach in g is th e produ ct of bu dgetary
cu tback s rath er th an pedagogic wis-
dom . It m ay seem odd, at first blu sh ,
t h at t each ers sh ou ld pr otest ab ou t
teach in g a m ere 22 h ou rs. However,
if on e con siders th e am ou n t of tim e
academ ics requ ire to prepare lectu res
of good qu ality as well as th e time th ey
n eed t o sp en d doin g resear ch , it i s
clear th at m ost con scientiou s teachers
work m ore th an 40 h ou rs a week . In
u n iversity system s arou n d th e world,
lectu rers rarely spen d m ore th an 12
to 15 h ou rs in direct teach in g activi-
ties a week . Th e average college lec-
tu rer in In dia does n ot h ave an y of-
fice space. If com pu ters are available,
in t ern et con n ectivi ty is u n lik ely. Li-
braries are poorly stock ed . Now th e
UGC says u niversities mu st implement
a com plete fr eeze on all p erm an en t
recru itm en t, abolish all posts wh ich
h ave b een vacan t for m or e t h an a
year, an d cu t staff stren gth by 10 per
cen t. An d it is in order to en su re th at
these cu tback s do n ot affect th e qu an -
tu m of teach in g th at existin g lectu r -
er s ar e bein g ask ed t o work l on ger.
Obviou sly, the qu ality of teach ing an d
academ ic work in gen eral will decline.
Wh i l e i t i s t r u e t h at som e col l ege
t each er s d o n ot t ak e t h ei r cl asses
regu larly, th e UGC an d th e In stit u -
tion s con cer n ed m u st fin d a proper
way to hold them accou n table. An ab-
sen tee teach er willl con tin u e to play
tru an t even if th e n u m ber of hou rs h e
is requ ired to teach goes u p.
All of u s are well aware of th e u n -
sou n d stat e t h at t h e In d i an h i gh er
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edu cation system is in today. Th an k s
to years of su st ai n ed financial neglect,
m ost In dian u n iversities an d colleges
do n o research worth th e n am e. Even
as th e n u m ber of stu den ts en ter in g
col leges h as in creased dram atical ly,
pu blic investment in h igh er edu cation
has actu ally declined in relative term s.
Between 1985 an d 1997, wh en pu b-
lic expen ditu re on h igher edu cation as
a percen tage of ou tlays on all levels
of edu cat ion grew by m or e t h an 60
per cen t in Malaysia an d 20 per cen t
in Th ailand, India sh owed a decline of
m ore th an 10 per cen t . Th rou gh ou t
th e world, th e n u m ber of teach ers in
higher edu cation per million popu lation
grew by m ore th an 10 per cen t in th e
sam e period; in In dia it fell by one per
cen t. In stead of tran sferrin g th e bu r -
den of govern m en t apath y on to th e
b a ck s of t h e t ea c h er s , t h e U G C
sh ou l d in sist th at th e n eeds of th e
cou n tr y’s u n i versi ty system are ad-
equ ately catered for.
1. Wh y does th e UGC wan t to in -
crease th e direct teach in g h ou rs
of u n iversity teach ers ?
(1) UGC feels th at th e du ration of
con tact between teach er an d
th e tau gh t sh ou ld be m ore.
(2) UGC wan ts teach ers to spen d
m or e t i m e i n t h ei r d ep ar t -
m en ts.
(3) UGC wan ts teach ers to devote
som e tim e to im prove u n iver -
sity adm in istration .
(4) UGC does n ot h ave m on ey to
appoin t additional teach ers.
(5) Non e of th ese
2. Wh ich of th e followin g is th e rea-
son for th e sorry state of affairs
of the In dian Universities as m en -
tion ed in th e passage ?
(1) Th e poor qu ality of teach ers
(2) In volvem en t of teach ers in ex-
tra-cu rricu lar activities
(3) Politics with in an d ou tside th e
departm en ts
(4 ) H eavy b u r d en of t each i n g
h ou rs on th e teach ers
(5) Not gettin g en ou gh fin an cial
assistan ce
COMPREHENSION TEST
3. Wh i ch of t h e fol l owi n g st at e-
m en ts/ is/ are T RUE in th e con -
text of th e passage ?
(A) Most colleges do n ot carry ou t
research worth th e n am e.
(B) UGC wan ts lectu rers to spen d
m in im u m 22 h ou rs a week in
direct teach in g.
(C) In dian h igh er edu cation sys-
tem is in u n sou n d state.
(1) On ly (A) an d (C)
(2) All (A), (B) an d (C)
(3) On ly (C) (4) On ly (B)
(5) On ly (B) an d (C)
4. Besides direct t each in g Un iver -
sity teach ers spen d con siderable
tim e in / on ........
(1) adm in istrative activities su ch
as adm ission s
(2) su pervisin g exam in ation s an d
correction of an swer papers
(3) carryin g ou t research in th e
area of th eir in terest
(4) m ain tain in g research equ ip-
m en t an d libraries
(5) d evelop in g l iaison wi t h th e
u ser organ isation s
5. Which of th e following statements
is NOT T RUE in th e con text of
th e passage ?
(1) UGC wan ts teach ers to spen d
m in im u m 40 h ou rs in a week
in teach in g
(2) Som e college teach ers do n ot
en gage th eir classes regu larly
(3) Th e average college teach er in
In dia does n ot h ave an y office
space
(4) UGC wants u niversities to abol-
ish all posts wh ich h ave been
vacan t for m ore th an a year
(5) All are tru e
6. Between 1985-1997, the n u mber
of teach ers in h igh er edu cation
per m illion popu lation , in In dia
.........
(1) In creased by 60%
(2) In creased by 20%
(3) decreased by 22%
(4) decreased by 10%
(5) decreased by 1%
-204-

7. Which of th e following statements
is NOT T RUE in th e con text of
th e passage ?
(1) In dian u n iversities are fin an -
cially n eglected.
(2) All over th e world, th e u n iver -
si t y l ect u r er s h ar d l y sp en d
m ore th an 12 to 15 h ou rs a
week in direct teach in g.
(3) In dian Un iversities are ask ed
t o r ed u ce st aff st r en gt h b y
10 %.
(4) Pu blic in vestm en t in h igh er
ed u cat ion h as in cr eased i n
India.
(5) Malaysia spen ds m ore m on ey
on edu cation th an Th ailand.
8. Wh at is th e UGC directive to th e
u n iversities ?
(1) Im prove th e qu ality of teach -
ing.
(2) Spen d time on research activi-
ties.
(3) Do not appoin t an y perm an en t
teach er.
(4) Provide com pu ter an d in ternet
facilities.
(5) Do n ot spen d m on ey on cou n -
sellin g services to th e stu den ts.
Di r ect i on s (9 –1 6 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it. Certain
words/ ph rases are prin ted in bold to
h elp you locate th em wh ile an swerin g
those qu estions.
(Sy n di cat e Bank PO Exam . 10.10.2004)
At on e time it wou ld have been im -
possible to im agin e th e in tegration of
differen t religiou s th ou ghts, ideas an d
ideals. Th at is becau se of th e closed
society, th e lack of an y com m u n ica-
tion or in terdepen den ce on oth er n a-
tion s. People were h appy and con ten t
am on gst t h em sel ves, t h ey d i d n ot
n eed an y m ore. Th e physical distan ce
an d cu lt u ral barri ers preven ted an y
exch an ge of th ou gh t an d beliefs. Bu t
su ch is n ot th e case today. Today, th e
worl d h as b ecom e a m u ch sm al l er
place, th an k s to th e adven tu res an d
m iracles of scien ce. Foreign n at ion s
h av e b ec o m e o u r n ex t - d o o r
n eigh bou rs. Minglin g of popu lation is
b r i n gi n g ab ou t an i n t er ch an ge of
th ou gh t. We are slowly realizin g th at
t h e w or l d i s a si n gl e coop er at i ve
gr ou p. Oth er reli gion s h ave becom e
forces with wh ich we h ave to r eck on
an d we ar e seek i n g for w ay s an d
m ean s by wh ich we can live togeth er
i n p eace an d h ar m on y. We can n ot
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h ave religiou s u nity and peace so lon g
as we assert th at we are in posses-
sion of th e li gh t an d al l ot h er s ar e
grou pin g in th e dark n ess. Th at very
assertion is a ch allenge to a fight. Th e
political ideal of th e world is n ot so
m u ch a sin gle em pire with a h omoge-
n eou s, civilization an d sin gle com mu -
n al will a broth erh ood of free n ation s
differin g pr ofou n dl y in life and m in d,
h abits an d in stitu tion s, existin g side
by side in peace an d order, h ar m on y
an d cooperation an d each con tribu t-
in g to th e world its own u n iqu e an d
specific best, wh ich is irredu cible to
th e term s of th e oth ers.
Th e cosm opolitan ism of th e eigh -
teen th centu ry an d th e n ation alism of
th e n in eteen t h are com bin ed i n ou r
ideal of a world com monwealth, which
al l ows ever y b r an ch of t h e h u m an
fam ily to fin d freedom , secu rity an d
self-realisation in th e larger life of man-
k in d. I see n o h ope for th e religiou s
fu tu re of th e world, if th is ideal is n ot
exten ded to th e religiou s sph ere also.
Wh en two or th ree differen t system s
claim th at th ey con tain th e revelation
of th e very cor e an d cen tre of tr u th
an d th e acceptan ce of it is th e exclu -
sive path way to h eaven , con flicts are
in evitable. In su ch con flicts on e reli-
gion wi ll n ot allow oth ers to steal a
m arch over it an d n o on e can gain as-
cen dan cy u n til th e world is redu ced
to du st an d ash es. To oblit erate ev-
ery oth er religion th an on e’s is a sort
of Bolsh evi sm in r el igi on wh i ch we
mu st try to preven t. We can do so on ly
if we accept som eth ing lik e th e In dian
solu tion , wh ich seek s th e u n ity of re-
ligion not in a com m on creed bu t in a
com m on qu est . Let u s b eli eve i n a
u nity of spirit an d n ot of organ ization ,
a u n ity wh ich secu res am ple liberty
n ot on ly for every in dividu al bu t for
every type of organ ized life wh ich h as
proved itself effective.
For alm ost all h istorical form s of
life an d th ou gh t can claim th e san c-
tion of experien ce an d so th e au th or -
i t y of God . Th e wor l d w ou l d b e a
m u ch poorer th in g if on e creed ab-
sorbed th e rest. God wills a rich h ar -
mony and n ot a colou rless u n iformity.
Th e com p r eh en si ve an d syn t h et i c
sp i r i t of In d i an i sm h ad m ad e i t a
m igh ty forest with a th ou san d wavin g
arms each fu lfilling its fu n ction and all
d ir ected by t h e sp ir it of God. Each
thin g in its place an d all associated in
COMPREHENSION TEST
th e divin e con cert m ak in g with th eir
variou s voices an d even disson an ce,
as Heracletu s wou ld say, th e m ost ex-
qu isite harmony sh ou ld be ou r ideal.
9. Accordin g to th e passage, reli-
giou s u n ity an d peace can be ob-
tain ed if–
(1) We believe th at th e world is a
sin gle co-operative grou p
(2) We do n ot assert th at we alon e
are in possession of th e real
k nowledge
(3) We believe in a u n ity of spirit
an d n ot of organization
(4) We believe that tru th does mat-
ter an d will prevail
(5) Non e of th ese
10. Wh ich of th e followin g, accord-
in g to th e passage, is th e In dian
solu tion ’? Un ity of religion s in a
common–
(1) Belief (2) Organ ization
(3) Creed (4) Search
(5) Non e of th ese
11. Accordin g to th e au th or, wh ich
of th e followin g is n ot tru e ?
(1) Acceptance of Indian ism is the
exclu sive path way to h eaven
(2) We sh ou l d n ot asser t th at
oth er religion s h ave n o defi-
n ite path way or goal
(3) God wan ts a gen u in e sim ilar -
i ty i n t h ou gh t s, id eal s an d
valu es rath er th an an artifi-
cial appearan ce
(4) People in teractin g with each
ot h er i s b r i n gi n g ab ou t a
ch an ge in th eir attitu de.
(5) Non e of th ese
12. According to th e passage, the po-
litical ideal of th e con tem porary
world is to–
(1) create a sin gle em pire with a
homogeneou s civilization
(2) foster th e u n ity of all th e reli-
gion s of th e world
(3) create a world comm on wealth
preservin g religiou s diversity
of all th e n ation s
(4) create broth erh ood of free n a-
tion s wh o believe in on e reli-
gion
(5) Non e of th ese
13. Accor di n g t o t h e p assage, th e
world wou ld be a m u ch poorer
th in g if–
(1) on e religion swallows all other
religions
-205-

(2) on e religion accepts th e su -
prem acy of oth er religion s
(3) religion s adopt toleration as a
prin ciple of spiritu al life
(4) we do n ot ach ieve th e ideal of
broth erh ood of free n ation s
(5) Non e of th ese
14. Which of th e following statemen ts
is/ are stated or im plied in th e
above passage ?
(A) People today are h appy an d con -
ten t am on gst th em selves.
(B) Th ere is n o freedom an d secu -
rity in th e religiou s sph ere in th e
world today.
(C) In dianism is directed by th e spirit
of God.
(1) On ly (A) & (C)
(2) On ly (B)
(3) On ly (C)
(4) On ly (A)
(5) Non e of th ese
15. Accordin g to th e passage, wh at
is Bolsh evism in th e religion ?
(1) To ridicu le th e views sin cerely
h eld by oth ers
(2) To accept others religiou s be-
liefs an d doctrin es as au th en -
tic as ou rs
(3) To adh ere to rigid dogm atism
in religion
(4) To m ak e ch an ge in a religion
so th at it becom es m ore ac-
ceptable
(5) Non e of th ese
16. Accor di n g t o t h e p assage, th e
con flict of religion s is in evitable
m ain ly becau se each religion –
(1 ) b el i eves t h at an y on e w h o
disargrees with it ou gh t to be
silen ced
(2) wan ts to steal a m arch over
others
(3) claim s to possess a com plete
an d exclu sive u n derstan din g
of tru th
(4 ) b el ieves th at th e vi ew h eld
stron gly by m an y n eed n ot be
a correct view
(5) Non e of th ese
Di r ect i on s (17 –26 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it. Certain
words/ ph rasesareprin tedin bol d to
h elp you to locate th em wh ile an swer -
in g som e of th e qu estion s.
(Un i on Ban k of I n di a PO
Ex am . 27. 11.20 05)
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Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Th e d eb t swap sch em e i s on e
am on g th e variou s m ark et-based debt
rest ru ctu r in g m easu r es avail abl e to
provide debt relief with ou t h am perin g
th e in terest of th e creditor. Th e basic
notion of debt swap/ conversion is rela-
tively sim ple. Th e prin ciple is th at in -
stead of con tin u in g to m ak e in terest
paym en ts on ou tstan din g loan s con -
tracted in past at a very h igh rate, th e
debtor is able to find som e oth er m eans
of settlin g th e debt wh ich is satisfac-
tory to both th e debtor an d creditor.
Th e debt swap can be of variou s types,
th e m ost prom in en t bein g th e debt-
equ ity swaps, or debt-to-debt swaps.
D eb t -equ it y swaps are exch an ge of
bon ds or b an k l oan s for own er sh ip
r i gh t s t o equ i t y. Su ch d eb t -equ i t y
swaps h ave form ed part of private cor -
p or at ion s r est r u ct u r i n g p rocess for
som e tim e.
Th e debt swap wh eth er in tern al
or extern al h as an ar r ay of m acroeco-
n om ic effect s. It is to be n oted th at in
an y d eb t swap sch em e, t h e d eb t or
m u st su rren der an asset in retu rn for
h avin g a liability extin gu ish ed. For ex-
am p le, in case of debt-equ it y swap,
debt is exch an ged by a claim on capi-
tal stock own ed by th e debtor. In th e
case of ex tern al debt, if th e govern -
m en t r et i r es extern al debt by issu in g
dom estic bon ds, in a balan ced bu dget
th ere are n o real effects beyon d th ose
created by th e in it ial wealth effect :
th e econ om y will display a cu rren t ac-
cou n t su rplu s, accom pan ied by an ini-
tial appreciation of parallel exch an ge
rate an d a h igh real interest rate. Th ese
effects ar e i n d epen d en t of t h e d i s-
cou n ts received by th e govern m en t.
Th e practice of debt-equ ity swap
or debt-to-debt swap particu larly in the
con text of extern al debt h as given rise
to active con troversy. Th e debate cov-
ers wide-ran gin g issu es su ch as wel-
fare ch aract er ist i cs of su ch swap s,
th eir poten tial for redu cin g n et capital
flows, an d th e degree to wh ich swap
can redu ce th e n egative in cen tive ef-
fects of debt overh an g. Atten tion h as
also been paid on th e effect of debt
swap on th e secon dary m ark et prices
of debt. In th e case of extern al debt,
Mexico and Brazil su spen ded th e debt
con version program m e, becau se th ey
can be in flation ary as th ey pu t ex ces-
si v e pressu re on th e free m ark et for
foreign exh an ge or bacau se swappin g
COMPREHENSION TEST
of foreign debt with dom estic debt can
be expen sive.
If t h e debt is swap ped th r ou gh
m on ey fin an cin g, it leads to an expan -
sion of m on ey su pply. If th e govern -
m en t can ru n su st ai n ed deficits, th e
fiscal side provides a k ey lin k th rou gh
wh ich swap s can cr eat e m acr oeco-
n om ic disequ ilibriu m . In a deficit situ -
ation, if th e su pply of bon d is increased
to swap th e debt, an d if th e discou n ts
obtain ed by th e govern m en t du e to in -
terest r at e differen t ial are n ot l ar ge
en ou gh to cover th e deficit, govern ment
will h ave to issu e fresh bon ds, wh ich
in tu rn m ay pu sh u p th e in terest rate.
Finally, if th e govern m en t con tin u es to
ru n a fiscal deficit an d to avoid in fla-
tionary effects if it relies mostly on debt
for bon ds swapped an d if th is in tu rn
leads to an accu m u lation of dom estic
debt , wh ich th e pu bl ic exp ects wil l
eventu ally be m on etised, th e dom estic
rate of inflation will im m ediately begin
to rise.
I n t h e case of t h e d eb t sw ap
schem e between central an d state gov-
ern m en ts in In dia, states can restru c-
tu re their debt by pre-paym en t of h igh
cost cen tral debt with addition al m ar -
k et borrowin g at a lower rate of in ter -
est. Essen tially, th is sh ou ld resu lt in
th e r edu ction in th e average cost of
debt of th e state gover n m en t. However,
th at wou ld largely depen d on th e vol-
u m e of savin gs in th e in terest cost in
relation to th e ou tstan din g debt stock
avail ab le for swap p in g. D esp it e th e
savin gs in in terest cost du e to d ebt
swap, if a large gap is to be filled by
a d d i t i o n a l b or r o w i n g, t h er e i s a
possib lility th at swap-in du ced addi-
tion al m ark et borrowin g m ay pu t pres-
su re on th e in terest rate. Also, in an
extrem e case, con tin u ou s fin an cin g of
swapable debt th rou gh bon d fin an c-
in g m ay fu el in flation if th e h ol der of
th e bon d expects th at debt will even -
tu ally be m on etised. It is eviden t from
th is discu ssion th at aggr essive debt
r est r u ctu r i n g p r op osed t o r eap t h e
ben efit of low in terest rate regim e a
tim es m ay itself becom e th e cau se of
h arden in g of fu tu re in terest rates.
1 7 . Wh ich of th e followin g m easu res
h ad been adopted by private Cor -
porati on s i n r estr u ct ion s in r e-
stru ctu rin g process ?
(1) Exch an ge of bon ds for own -
ersh ip righ ts with sh are h old-
er s.
-206-

(2) Providin g debt relief to bon d
h ol d er s wi th ou t r aisi n g th e
in terest rate.
(3) Settlin g th e debt in exch an ge
of reserves.
(4) B or r ow i n g fr om b an k s b y
m ortgagin g equ ity shares.
(5) Non e of th ese
18. Wh ich of th e followin g is th e rec-
omm en dation of th e au th or to sta-
bilize th e in terest rates ?
(1) State Govern ment sh ou ld stop
borrowin g from Cen tral Gov-
ern men t.
(2) The debt restru ctu rin g shou ld
b e d on e at b ar e m i n i m u m
level.
(3) Th e foreign debts sh ou ld be
swapped im m ediately.
(4) Th e debt-equ ity swap sh ou ld
be ban n ed.
(5) Non e of th ese
19. Wh ich of th e foll owin g best d e-
scribes th e n otion of debt con ver -
sion?
(1) It is a relatively sim ple th eory.
(2) To su b st i t u t e h i gh i n t er est
debts with low in terest debts.
(3) Th e awar d in g of own er sh i p
righ t to m ortgaged assets to
th e debtor.
(4) Redu ction of liabilities of th e
creditor
(5) Non e of th ese
20. Wh at affect will be visible on th e
economy if Govern men t decides to
issu e dom estic bon ds ?
(1) Th e govern m en t will get dis-
cou n t on th e pu blic debt.
(2) Th e cu rr en cy ex ch an ge rate
will in crease.
(3) A cu rren t accou n t su rplu s will
be m ore prom in en t.
(4) Th e in terest on real estate ad-
van ces will be h igh
(5) Non e of th ese
21. Wh i ch fact or s com p el l ed Lat i n
Am er i can cou n tr i es t o k eep i n
a b ey a n ce t h e d eb t sw a p
progrm m e ?
(1) Th e welfare ch aracteristics of
the p r ogr a m m e w er e
u n favou rable.
(2) Th e con versi on wit h forei gn
debts was perceived to be ex-
pen sive.
(3) Net cap i tal flow star t ed i n -
creasin g.
(4) Posit i ve i n cen t i ve effects of
debt started decreasin g.
(5) Non e of th ese.
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2 2 . Wh at is th e su ggestion of th e au -
th or to th e State Govern m en ts?
(1) Borrow from th e m ark et an d
pay Cen tral Govern m en t im -
m ediately.
(2) Pay m ark et debts first, th ere-
after think for Central Govern -
m en t.
(3) Swap th e dom estic debt with
foreign debt.
(4) Presen t a balan ced bu dget.
(5) Non e of th ese
2 3 . Wh at will h appen if govern m en t
decides to issu e fresh bon ds in a
deficit situ ation ?
(1) Th e m i cr oecon om ic equ i li b-
riu m will sh ift to negative side.
(2) Th e price of in itial bon ds will
d ecrease.
(3) Th i s st ep wi l l m ess u p t h e
econ om y com pletely.
(4) The interest rates will start in -
creasin g.
(5) Non e of th ese
2 4 . Wh ich factors m ay raise th e in fla-
tion rate on dom estic side ?
(A) If accu m u lated in tern al debts
start gettin g m on etised.
(B) If i n terest rates start redu c-
in g for pu blic borrowin gs.
(C) If debt swap is don e th rou gh
issu e of bon ds in a deficit situ -
ation.
(1) On ly (A) (2) On ly (B)
(3) On ly (A) an d (B)
(4) Eith er (A) or (C)
(5) Both (A) an d (C)
2 5 . In order to ach ieve expan sion of
money su pply the Cen tral Govern-
m en t shou ld—
(1) ex ch an ge p u b li c debt s wi th
foreign debts.
(2) swap foreign debts with issu e
of bon ds.
(3) con vert debts th rou gh m on ey
fin an cing.
(4) in sist on State govern men t for
pre-paym en t of debts.
(5) Not clearly m en tion ed in th e
passage.
2 6 . Wh ich of th e followin g will be th e
con sequ en ces if dom estic bon ds
are issu ed in a balan ced bu dget ?
(A) A cu rren t accou n t su rplu s will
be displayed.
(B) Real in terest rate will get ap-
preciation .
COMPREHENSION TEST
(C) Discou nts received by the Gov-
ern ment will becom e indepen -
den t.
(1) All (A), (B) an d (C)
(2) On ly (A) an d (B)
(3) On ly (A) an d (C)
(4) Neith er (A) n or (B) n or (C)
(5) On ly (B) an d (C)
Di rect i on s (2 7-35 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it. Certain
words/ ph rases h ave been prin ted in
bold to h elp you locate th em wh ile an-
swerin g som e of th e qu estion s.
(Cor por at i on Ban k PO
Ex am . 09.07.2006)
For m ore th an th ree years, An n a
Fen g didn ’t tell h er h u sban d th at sh e
h ad su n k n early h alf of th eir savin gs
in to th e Sh anghai stock mark et. While
h e th ou ght all th eir m on ey was safely
si t t i n g i n a b an k , t h e val u e of t h e
stock s pl u n ged by alm ost 75%. Bu t
over th e past cou p le of m on th s, th e
Sh an gh ai m ark et h as sh own sign s of
life, an d Fen g, a 56-year -old retiree,
h as r ecou ped h alf h er losses. Sh e’s
qu i et l y h op efu l t h at m ay b e sh e’l l
m ak e it all back . ‘‘Everyon e seem s to
be so opt im istic abou t th e m ar k ets
n ow,’’sh e says.
Arou n d t h e wor l d, stock s h ave
been on a tear. In Asia, for exam ple,
the Tok yo TOPIX stock index hit a 14-
year h igh last week as a bu ll ru n in
once-dormant Japan gathered momen-
tu m ; Mu m bai’s m ain equ ity in dex h it
an all-tim e h igh in tradin g early Fri-
day am id In dia’s con tin u in g economic
boom ; an d Hong Kong sh ares reached
a fi ve- y ea r h i gh w h i l e i n d i ces i n
Sin gap or e, J ak ar t a an d Sydn ey set
n ew r ecor d s. An d t h ou gh st ock i n
Asia, in particu lar, are on fire, they are
n ot alon e. From Ger m an y to Ven ezu -
ela to Sou th Africa, equ ity m ark ets in
both m at u re an d em ergin g m ark ets
have m oved u p sharply th is year— and
sh ow little sign of slowin g.
Th e u n d er p i n n i n g for st ock s’
stron g perform an ce, global bu lls say,
is straigh t-forward. Econ om ic growth
con t i n u es t o b e st r on g i n p l aces
wh er e it h as been bu o y an t for sev-
eral years (th e U.S., Ch in a an d In dia)
an d i s fi n al l y p ick i n g u p i n p l aces
wh ere it had been n otably absent— J a-
pan an d parts of ‘‘old’’Eu rope. More-
over, ear n in g an d corporate b alan ce
s h eet s a r o u n d t h e w o r l d a r e a s
h eal th y as th ey h ave been in years.
-207-

I n J ap a n , co r p or at e p r ofi t s h ave
cl im bed for fou r st raigh t years an d
con su m er spen din g is risin g br i sk l y
on th e back of declin in g u n em ploy-
m en t. Econ om ists say th at J apan is
n ow in a golden cycle. So, for n ow, is
m u ch of th e world. "It com es down to
ver y sim p le m acr oecon om i cs." says
Su bir Gok am , an econ omist at CRISIL,
In dia’s largest credit-ratin g firm . ‘‘Th e
glob al econ om y is growi n g wi t h ou t
m u ch inflationary pressu re.’’
Is an yth in g wron g with th is pic-
tu re ? On e very big th in g, warn th e
sk ep t i c s. I n t er est r at es ar e r i si n g
n early everywh ere, an d if th ere is on e
sim ple adage th at m an y in vestm en t
advisers live by, It’s th is : ‘‘Wh en rates
are h igh , stock s will die.’’In deed, on e
of th e m ost im pressive— or scariest—
aspects of th e cu rren t global bu ll ru n
is th at it h as com e in th e teeth of cen -
tral-ban k tightenin g, most importantly
b y th e U.S. Federal Reser ve, wh ich
cou ld slow growth in th e world’s k ey
econ om ic locom otive. Th e Fed h as in -
creased k ey sh ort-term in terest rate—
th e so-called Fed fu nds rate— 15 tim es
d at i n g b ack t o J u n e 2 0 0 4 , an d i s
widely expected to raise it one or twice
m or e over t h e n ex t few m on t h s. A
brief recession an d th e Sept. 11 ter -
rorist attack s in 2001 spu r r ed a pro-
lon ged period of very low interst rates.
Th at boost ed U.S. con su m ption — in
particu lar th e rate-sen sitive h ou sin g
m ark et— an d k ept th e global econ om y
h u m m i n g. B u t l on g-t er m r ates ar e
n ow begi n n in g t o ti ck u p ward : last
week th e U.S. 30-year treasu ry bon d
reach ed 5.04% its h igh est level sin ce
late 2004, an d th e h ou sin g m ark et is
coolin g off— poten ti ally triggerin g an
econ om ic slow-down as h om eown ers
cu t th eir spendin g.
27. Accordin g to th e passage, wh at
m ak es people h opefu l abou t th e
m ark ets ?
(1) Th e descen t in th e valu e of
stock s
(2) Th e tren d of su bstan tial in -
crease in valu e of stock s
(3) Safety provided by ban k s to
th eir deposits
(4) Optim ism of th e stock m ar -
k et players
(5) The interest rates are going u p
28. Wh ich of th e followin g is T RUE
abou t th e com p arison between
m ark et in dices of Mu m bai an d
Hon g Kon g on th e on e han d an d
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Sin gapore, J ak arta an d Sydn ey
on th e oth er ?
(1) Th e i n d i ces i n t h e for m er
case ar e i n cr easi n g wh i l e
t h ose i n t h e l at t er ar e d e-
creasin g
(2) There is no remark able tren d
visible between th e two sets
of in dices
(3) In dices in both th e grou ps of
ex er ci ses ar e st ab le over a
period of last five years
(4) Th e m ar k et s i n b ot h t h e
gr ou p d of cou n t r i es h ave
sh own u pward tren d
(5) Non e of th ese
29. What is th e im pact of in creasin g
lon g term in terest rates ?
(A) Dem an d in h ou sin g m ark et
is gradu ally dimin ish in g.
(B) Ret a r d a t i o n i n ec on o m i c
growth .
(C) Restriction s im posed by cen -
tral ban k .
(1) (A) only (2) (B) only
(3) (C) only (4) (A) & (C) on ly
(5) Non e of th ese
30. In wh at way did th e terrorist at-
t ack i n t h e US i n fl u en ce t h e
m ark ets ?
(1) It led to a brief recession
(2) It in creased lon g term n eed
for h ou sin g
(3) It h elped in crease th e in ter -
est rates on h ou sin g
(4) It prolon ged th e low in terest
rate regim e
(5) Non e of th ese
31. How are th e in terest rates asso-
ciated with th e stock s ?
(1) In direct proportion
(2) In in verse proportion
(3) No relation
(4) Dependen t u pon the investors
(5) Non e of th ese
32. Wh i ch of t h e fol l owi n g st at e-
m en ts is/ are FALSE in the con -
text of th e passage ?
(A) E co n o m i c gr o w t h i n U S,
Ch in a, In dia, J apan an d old
Eu ropean cou ntries started to
sh ow a down ward tren d.
(B) H i gh er i n t er est r at es h el p
boost stock valu e
(C) Sk epti cs firm l y believe th at
econ om i c growth is a boon
from all th e an gles.
(1) All th e th ree
COMPREHENSION TEST
(2) (A) an d (B) on ly
(3) (B) and (C) on ly
(4) (A) an d (C) on ly
(5) Non e of th ese
33. How do the stock valu es in Asian
cou n tries com pare with th at in
th e other cou n tries of the global?
(1) It can n ot be in ferred on th e
b asi c of t h e con t ex t of t h e
passage
(2) There is general decline in the
market indices all over the globe
(3) Mark ets sh ow a gen eral rise
i n t h e i n d i ces al l over t h e
globe
(4) Mark ets on ly in Asian cou n -
t r i es h ave sh ow n u p w ar d
tren d
(5) Non e of th ese
34. Wh ich of the following is/ are th e
reason (s) for th e statem en t th at
‘J apan is n ow in golden cycle’?
(A) I t i s an econ om i c gr ow t h
wi t h ou t m u ch i n fl at i on ar y
pr essu re.
(B) J apan witnesssed a su bstan -
t i al i n cr ease i n cor p or at e
p r o f i t s f or t h e l as t fo u r
year s.
(C) Th ere are m ore em ploym en t
a ven u es o p en an d
consu m er’s spen din g h as in -
creased sign ifi-can tly.
(1) All th e th ree–(A), (B) an d (C)
(2) (A) an d (B) on ly
(3) Eith er (B) and (C) only
(4) (A) an d (C) on ly
(5) Either (A) or (C) only
35. Accordin g to th e con ten t of th e
passage, the spu rt in stock m ar -
k ets appears to be—
(1) a h eal t h y si gn of gr ow i n g
world peace
(2) an indication of eradication of
global poverty
(3) a proof of a n egligible n u m -
ber of people below poverty
line
(4) a t r a n si t i on fr om u n d er -
develo-pment to enrich em en t
(5) Non e of th ese
Di r ect i on s (3 6 –4 5 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it . Certain
wor ds h ave been pri n ted i n bol d t o
h elp you locate th em wh ile an swerin g
som e of th e qu estion .
(Ban k Of M ah ar ash t r a PO
Ex am . 2 5 .0 5 . 2 00 8 )
-208-

Political pl oy s in itially h ailed as
m aster -strok es often en d u p as flops.
Th e Rs. 60,000 crore farm loan waiv-
er an n ou n ced in th e bu dget writes off
100% of overdu es of sm all an d m ar -
gin al farm ers h oldin g u pto two h ect-
ares, an d 25% of overdu es of larger
far m er s. Wh i l e In d i a h as en j oyed
8%-9% GDP growth for th e past few
years, th e boom h as bypassed m an y
ru ral areas an d farm er distress an d
su icides h ave m ade n ewspaper h ead-
lin es. Variou s attem pts to provide re-
lief (em p loym en t gu aran tee sch em e,
pu blic distribu tion system) h ave made
little im pact, th an k s to h u ge leak ages
from th e govern m en t’s lou sy delivery
system s. So, m an y econ om ists th in k
th e loan waiver is a worth wh ile alter -
n ative to provide relief.
However th e poorest ru ral folk are
lan d less labou r ers, wh o get n ei th er
farm l oan s n or waiver s. H al f of t h e
small and marginal farmers get no loans
fr om b an k s an d depen d en tir ely on
m on eylen d er s, an d wil l n ot b en efi t.
Besides, ru ral In dia is fu ll of th e fam -
ily holdings rather than individu al hold-
in gs an d fam ily h oldin gs will typically
be m u ch larger th an two hectares even
for dirt- poor farm ers, wh o will, th ere-
fore, be den ied th e 100% waiver. It
will th u s fail in both econ om ic an d
political objectives. IRDP loan s to th e
ru ral poor in th e 1980s dem on strated
th at crook ed b an k official s d em an d
bribes am ou n tin g to on e-th ird th e in -
ten d ed ben efit s. Very few of th e i n -
ten ded ben eficiaries wh o m er i t ed re-
lief received it. After th e last farm loan
waiver will sim ilarly slow down fresh
loans to deservin g far mers. While over -
du es to co-operatives m ay be h igh er,
econom ist Su rjit Bhalla says less th an
5% of far m er loan s to ban k s are over -
du e i.e. overdu es exist for on ly 2.25
m illion ou t of 90 m illion farmers. If so,
th en th e 95% wh o h ave repaid loan s
will n ot ben efit. Th ey will be an gry at
bein g pen alised for h on esty.
Th e bu dget th u s grossly overesti-
m ates th e n u m ber of ben eficiaries , It
also u n derestim ates th e n egative ef-
fects of th e waiver -en cou ragin g wilfu l
defau lt in th e fu tu re and discou ragin g
fresh b an k l en d in g for som e years.
In stead of tryin g to reach th e n eedy,
th rou gh a pl et h or a of leak y sch em es
we sh ou ld tran sfer cash directly to th e
n eedy u sin g n ew tech n ology lik e bio-
m et ri c sm art car d s, wh i ch ar e n ow
bein g u sed in m an y cou n tr ies, an d
m obile ph on es ban k accou n ts. Th en
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
ben efits can go directly to ph on e ac-
cou n ts operable on ly by th ose with bi-
om etric cards, endin g the massive leak -
ages of cu rren t sch em es.
Th e political ben efits of th e loan
wai ver h ave al so b een ex agger at ed
sin ce if on ly a sm all fraction of farm
fam ilies ben efit , an d m an y of th ese
h ave to pay bribes to get th e actu al
ben efit, will th e waiver really be a mas-
sive vote- win n er ? Mem bers of join t
families will feel aggri ev ed th at, despite
h avin g less th an on e h ectare per h ead
, th eir fam ily h oldin g is too large ,to
qu alify for th e 100% waiver. All finance
m in isters, of cen tral or state govern -
m en ts, give away freebies in th eir last
bu dgets, h opin g to win electoral re-
gards . Yet, fou r -fifth of all i n cum ben t
govern ments are voted ou t. Th is sh ows
th at ben efi ciaries of favou rs are n ot
n otably gratefu l , wh ile th ose n ot so
favou red m ay feel aggrieved, an d vote
for th e opposition . Th at seem s to be
wh y election bu dgets con stan tly fail
to win election s in In dia an d th e loan
waiver will n ot ch an ge th at pattern .
36. Why do econ omists feel th at loan
waivers wil l b en efit farm ers in
distr ess?
(1) It will im prove th e stan dard
of livin g of those farmers wh o
can afford to repay their loans
bu t are exem pted.
(2) Other govern ment relief mea-
su res have proved ineffective.
(3) Su icide rates of farm ers h ave
declin ed after th e an n ou nce-
m en t of th e waiver.
(4) Farm ers will be m otivated to
increase th e size of th eir fam -
il y h ol din gs n ot in d ivi du al
holdings.
(5) The govern m en t will be forced
t o r eex am i n e an d i m p r ove
th e pu blic distribu tion sys-
tem .
37. Wh at m essage will th e loan waiv-
er sen d to farm ers wh o h ave re-
paid loans?
(1) Th e Govern m en t will readily
pr ovi de th em wi th loan s in
th e fu tu re.
(2) As opposed to m on ey len ders
ban k s are a safer an d m ore
reliable sou rce of credit.
(3) Hon esty is th e best policy.
(4) It is ben eficial to tak e loan s
from co-operatives since th eir
rates of in terest are lower.
(5) Th ey will be angry at bein g pe-
n alised for h on esty
COMPREHENSION TEST
38. Wh at is th e au th or's su ggestion
to provide aid to farm ers?
(1) Fam i lies sh ou ld spli t t h eir
join t h oldin g to tak e advan -
tage of th e loan waiver.
(2) Th e govern m en t sh ou ld in -
crease th e reach of th e em -
ploymen t gu arantee sch eme.
(3) Loan s sh ou ld be disbu rsed
directly in to ban k accou n ts
of th e farm ers u sin g th e lat-
est tech n ology.
(4) Govern m en t sh ou ld en su re
that loans waivers can be im -
plem en ted over th e n u m ber
of years.
(5) Ru ral in frastru ctu re can be
i m p r ov ed u si n g s ch em es
which were successful abroad.
39. Wh at was th e ou tcom e of IRDP
loan s to th e ru ral poor?
(1) Th e percen tage of ban k loan
san ction ed to fam ily own ed
farm s in creased.
(2) Th e loan s ben efited dish on -
est m on eylen ders n ot lan d-
less labou rers.
(3) Corru pt bank officials were the
u n in ten ded ben eficiaries of
th e loan s.
(4) It resu lted in the Government
sanctioning thrice the amou nt
for th e cu rren t loan waiver.
(5) Non e of th ese.
40. Wh at are th e term s of th e loan
waiver ?
(A) On e-fou rth of th e overdu e loan s
of lan dless labou rers will be writ-
ten off.
(B) Th e Rs. 60,000 crore loan waiv-
er h as been san ction ed for 2.25
m illion m arginal farm ers.
(C) An y farm er with between 26 per
cen t to 100 per cen t of th eir loan
repaym en ts overdu e will be pe-
n alised.
(1) On ly (A)
(2) Only (B)
(3) Both (B) an d (C)
(4) All (A), (B) an d (C)
(5) Non e of th ese
41. Wh at is th e au th or’s view of th e
loan waiver?
(1) It will h ave an adverse psy-
ch ol ogical im pact on t h ose
wh o cann ot avail of th e waiv-
er.
(2) It is a ju stified m easu re in
view of th e h igh su icide rate
am ong lan dless labou rers.
-209-

(3) It mak es sou nd economic and
political sen se in th e existin g
scenario.
(4) It will en su re th at th e ben e-
fits of In dia's h igh GDP are
felt by th e ru ral poor.
(5) Non e of th ese
42. Which of the followin g can n ot be
said abou t loan waiver?
(A) Sm all an d m argin al farm ers will
ben efit th e m ost.
(B) Th e loan waiver pen alises de-
servin g farm ers.
(C) A large percentage i.e. ninety- five
p er cen t of di st ressed farm er s
will ben efit.
(1) Only (C)
(2) Both (A) an d (C)
(3) On ly (A)
(4) Both (B) an d (C)
(5) Non e of th ese
43. Wh ich of th e followin g will defi -
n i t el y be an impact of loan waiv-
ers ?
(A) Fam ily h oldin gs will be split in to
in dividu al h oldin gs n ot exceed-
in g on e h ectare.
(B) Th e pu blic distribu tion system
will be revam ped.
(C) Opposition will defin itely win th e
election .
(1) None
(2) On ly (A)
(3) Both (A) an d (B)
(4) Only (C)
(5) All (A), (B) an d ( C)
44. Wh at im pact will th e loan waiver
h ave on ban k s?
(1) Ban k s h ave to bear th e en -
tire bru n t of th e write off.
(2) Loss of tru st in ban k s by big
farm er s.
(3) Corru ption am ong ban k staff
will in crease.
(4) Farm ers will m ak e it a h abit
to defau lt on loan s
(5) Non e of th ese
45.Accordin g to the au th or wh at is th e
governm en t’s motive in sanction -
in g th e loan waiver?
(1) To en cou rage farm ers to opt
for ban k loan s from m on ey-
len der s.
(2) To raise 90 m illion farm ers
ou t of in debtedn ess.
(3) To p r ovi d e r el i ef t o t h ose
m argin al farm ers wh o h ave
th e m ean s to bu t h ave n ot
repaid th eir loan s
(4) To en su r e t h ey wi l l be re-
elected
(5) Non e of th ese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Di r ect i on s (4 6 –5 5 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it. Certain
words/ ph r ases ar e given in bo l d t o
h elp you locate th em wh ile an swerin g
som e of th e qu estion s.
(In di an Overseas Bank PO
Ex am . 15. 06.2008)
Ru ral In dia faces seriou s shortages
- power, water, h ealth facilities, roads,
etc. - th ese are k nown an d recogn ised.
However, th e role of tech n ology in solv-
in g th ese an d oth er problem s is barely
ack n owledged and the actu al availabil-
ity of tech n ology in ru ral areas is m ar -
gi n al . Th e b ack b on e of t h e r u r al
economy is agricu ltu re; which also pro-
vi d es su st en an ce t o over h al f t h e
cou ntry’s popu lation . Th e “green revo-
lu tion ” of th e 1970s was, in fact, pow-
ered by th e scien tific work in variou s
agr i cu l t u r al r esear ch i n st i t u t i on s.
Wh ile som e fau l t th e green revolu tion
for excessive exploitation of water an d
l an d r esou r ces t h r ou gh over u se of
fertilisers, it did brin g abou t a wh eat
su rplu s and prosperity in certain pock -
ets of th e cou n try.
In ru ral In dia today, th ere is a di r e
inadequ acy of both scien ce (i.e. k n owl-
edge) an d tech n ology (wh ich derives
from scien ce an d m an ifest s itsel f in
ph ysical form ). The scope to apply tech-
n ology to both farm an d n on -farm ac-
tivities in ru ral areas is h u ge, as are
th e pot en t i al ben efi ts. In fact, crop
yields are far lower th an wh at th ey are
in dem onstration farm s, where science
an d tech n ology are m ore fu lly applied.
Tech n ologies th at redu ce power con -
su m ption of pu m ps are vital; u n fortu -
n ately, th eir u se is m in im al, sin ce ag-
r i cu l t u r al p ow er i s fr ee or l ar gel y
su bsidised. Sim ilarly, th ere is little in -
cen tive to optim ise- th rou gh tech n ol-
ogy or oth erwise - water u se, especially
in irrigated areas (a th ird of total ar -
able lan d), given th e water rates. Post-
h ar vest t ech n ol ogi es for p rocessin g
and adding valu e cou ld greatly enhance
ru ral em ploym en t an d in com es, bu t at
presen t deploym en t of tech n ology is
marginal. Cold storage an d cold-chains
for tran sportation to m ark et is of great
im portan ce for m any agricu ltu ral prod-
u ct s - p ar t i cu l ar l y, fr u i t s an d veg-
etables - bu t are n on - existen t. Th ese
are clearly tech n ologies with an imm e-
diate retu rn on in vestm en t, an d ben -
efits for all; th e far m er, th e en d-con -
su m er, th e tech n ology provider. How-
COMPREHENSION TEST
ever, regu latory an d stru ctu ral barri-
ers are h oldin g back in vestm en ts.
Power is a k ey requ irem en t in ru -
ral areas, for agricu ltu ral as well as
domestic u ses. Techn ology can provide
reliable power at comparatively low cost
in a decen tralised m an n er. However
th is n eeds to be u pgraded an d scaled
in a big way, with em ph asis on ren ew-
able an d n on -pollu tin g tech n ologies.
Reliable an d low cost m ean s of tran s-
portin g goods an d people is an essen -
tial n eed for ru ral areas. Th e bu llock -
cart an d th e tractor -trailer are presen t
veh icles of ch oice. Su rely, tech n ology
can provide a better, ch eaper an d m ore
efficien t solu tion ? In form ation related
to com modity prices, agricu ltu ral prac-
tices, weath er etc. are cru cial for th e
far m er. Tech n ology can provide th ese
th rou gh m obi le p h on es, wh i ch i s a
proven tech n ology h owever th e ch al-
len ge to en su re con n ectivity rem ain s.
Th u s th ere is a pressin g n eed for tech -
n ology as cu rren tly econ om ic growth -
th ou gh sk ewed an d i n i qu i t ou s - h as
created an economically attractive mar -
k et in ru ral In dia.
46. Accordin g to th e au th or, wh ich
of t h e fo l l o w i n g i s / ar e t h e
pr obl em (s) facin g In d ia’s ru r al
popu lation ?
(A) Un availability of h ealth care
facilities.
(B) Th e t ech n ological advan ce-
m en ts wh ich h ave been bor -
rowed from abroad h ave n ot
been su itably adapted to th e
In dian scen ario.
(C) Lack of awaren ess abou t th e
im portan ce of u tilisin g tech -
nology in the agricu ltu ral sec-
tor.
(1) On ly (A)
(2) On ly (C)
(3) Both (A) an d (B)
(4) Both (A) an d (C)
(5) Non e of th ese
47. Wh ich of th e followin g is NOT an
im pact of th e green revolu tion ?
(1) Over u tilisation of water re-
sou rces
(2) Applicat ion of scien ti fic re-
search on ly in demonstration
farm s
(3) Wealth creation restricted to
certain areas
(4) Dam age cau sed to lan d by
in ordin ate u se of fertilisers
(5) Su ppl y of wh eat su rpassed
dem and
-210-

48. Wh y is th ere n o m otivation to re-
du ce power con su m ption ?
(1) Freel y avai l ab l e r en ewabl e
sou rces of en ergy
(2) Gover n m en t w i l l h ave t o
su bsidise th e cost of techn ol-
ogy requ ired to redu ce power
consu m ption
(3) Power distribu tion h as been
decen tralised
(4) Th e cost of i m p l em en t i n g
power savin g tech n ology is
exorbitan t for th e cu stom er.
(5) Non e of th ese
49. Wh at effect will th e im plem en ta-
tion of post h arvest tech n ologies
su ch as cold storages h ave?
(1) Regu lat or y p roced u r es wi ll
h ave to be m ore strin gen t
(2) Pri ces of com m od it ies l ik e
fru its an d vegetables will fall
si n ce t h er e i s n o wast age
from spoilage
(3) In com es of ru ral popu lation
will fall
(4) Pollu tion of th e environ men t
(5) Non e of th ese
50. Th e au th or’s m ain objecti ve in
writin g th e passage is to
(1) Cen su r e sci en t i st s for n ot
u n dertak in g research
(2) Cr i t i ci se f ar m er s f or n ot
u t il isin g ex per im en tal, l ow
cost post h arvestin g tech n ol-
ogy
(3) Ex h or t t h e govern m en t to
su bsidise th e cost of u tilisin g
techn ology
(4) Pr o m o t e a seco n d gr een
revolu tion
(5) Ad vocat e b r oad en i n g t h e
scope of research an d u se of
tech n ology in agricu ltu re
51. Wh ich of th e fol lowi n g is NOT
tru e in th e con text of th e pas-
sage?
(1) In recen t tim es th e ben efits
of sci en ce an d t ech n ol ogy
h ave n ot been felt in agricu l-
tu re
(2) Th e cu rren t m ean s of ru ral
tran sportation are ideal i.e.
low cost an d n on - pollu tin g
(3) Agr icu l tu re p rovi des li veli -
h ood to over 50 per cen t of
the In dian popu lation .
(1) Both (A) an d (B)
(2) Only (B) (3) On ly (C)
(4) Both (A) an d (C)
(5) Non e of th ese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
52. Wh at h as h am pered in vestm en t
in post h arvest tech n ologies ?
(1) Cost of im plem en tin g su ch
techn ology is h igh er than the
retu rn s
(2) No tan gible ben efits to tech -
n ology su ppliers
(3) Obstacles from statu tory au -
th orities
(4) Rapid econ om ic growth h as
drawn in vestors away from
agricu ltu re to m ore com m er -
cially viable sectors
(5) Non e of th ese
5 3 . Wh at is th e role of m obile tech -
n ology in th e ru ral econ om y ?
(A) It will n ot play a large role
sin ce th e technology is largely
u n tested.
(B) It provides opportu n ities for
farm ers to m an ipu late com -
m odity prices.
(C) It wi ll largely be ben efici al
si n ce su ch t ech n ol ogy i s
ch eap.
(1) Both (A) an d (C)
(2) On ly (A)
(3) Both (B) an d (C)
(4) Only (B)
(5) Non e of th ese
54. Wh ich of t h e followi n g is cu r -
ren tly NOT a th reat to th e ru ral
econ om y?
(A) In adequ ate ru ral in frastru c-
tu re su ch as roads.
(B) Excessive u tilisation of tech -
nology.
(C) Flu ctu atin g power su pply.
(1) Only (C)
(2) On ly (A)
(3) Both (B) an d (C)
(4) Only (B)
(5) Non e of th ese
55. Wh ich of th e followin g is TRUE
in th e con text of th e passage?
(A) Abou t 33 per cen t of arable
lan d in In dia is irrigated.
(B) Th ere is h ardly an y m otiva-
tion to u tilise tech n ology to
optim ise water u sage am on g
farm er s.
(C) Climatic information can eas-
ily be m ade available to farm-
er s.
(1) All (A), (B) an d (C)
(2) Both (A) an d (B)
(3) On ly (A)
(4) Both (B) an d (C)
(5) Non e of th ese
COMPREHENSION TEST
Di r ect i on s (5 6 –6 5 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it . Certain
word s h ave been p rin ted in bol d t o
h elp you locate th em wh ile an swerin g
som e of th e qu estion s.
(An dh r a Ban k PO Ex am . 14.09.2008)
Gi vi n g l oan s t o i m p over i sh ed
wom en to m ak e ceram ics or to farm -
ers to bu y m ilk cows were n ot seen as
great bu sin ess. Microfin an ce was an
in du stry ch am pion ed by an tipoverty
activists. Today it is on th e v er ge of a
revolu tion , with billions of dollars from
big ban k s, private – equ ity sh ops an d
p en si on fu n d s p ou r i n g i n , d r i vi n g
growth of 30% to 40% th is year alon e.
In 1 9 98 , a n on -p rofi t m icr ofi n an ce
organ isat ion in Peru , con verted in to
ban k (called Miban co). Th is dem on -
strated th at th e p oor are good risk s
wh o repay loan s on tim e an d gettin g
th em togeth er, n ot on ly ch ips away at
poverty b u t also tu rn s a pr ofit. Th e
su ccess of Miban co h as pi qu ed th e in -
terest of comm ercial bank s, wh ich had
previou sly sh u nn ed the cou n try’s poor.
N ow b i g b an k s a r e go i n g a ft er
Miban co’s clien ts with low-rate loan s
an d realisin g it tak es special k n ow –
h ow to work with th e u n ban k ed – are
h irin g away Miban co’s staff.
Bu t with th e em ergen ce of players
wh o are on ly ou t for profit, m i crofi-
n an ce sch em es cou ld en d u p m ilk in g
th e poor. Th is cou ld h appen in cou n -
tries wh ere len ders don ’t h ave to dis-
close in terest rates. Wh en a Mexican
m icrofin an cier wen t pu blic, revealin g
its loan s h ad rates of abou t 86% an -
n u ally, th e Con su ltative Grou p to As-
sist th e Poor (CGAP) criticised it for
pu ttin g sh areh olders ah ead of clien ts.
Th e pressu re of tu rn a profit also forc-
es microfinan ciers to ch ange th eir bu si-
n ess m odels in ways th at depar t from
th e in du stry’s core m ission : to h elp
p oor p eop le l ead b ett er li ves. Su ch
sh ifts h ave cau sed the average loan size
to triple. Moreover sm aller loan s bein g
costlier to service, a lower percen tage
of loans go to women becau se they tend
to tak e ou t sm aller su ms. Accordin g to
CGAP, with th e flood of n ew large en ti-
ties th ere is th e risk th at a large per -
cen tage of cross-b ord er fu n ds go to
Latin Am erica an d eastern Eu rope, th e
world’s m ost developed m icrofin an ce
m ark ets. “Th e poorest of th e world’s
poor, wh o are predom in an tly in Asia
an d Africa get left ou t,” says th e CEO
of th e n on profit Gram een Fou n dation ,
-211-

wh ich h elps develop m icrofin an ce in -
stitu tion s.
Segm en tin g th e in du stry, m igh t be
worth wh ile if it allows m ore of the poor
to get access to credit. Mu ltin ation al
c or p or at i on s c ou l d t ak e t h e t o p
m icrofin an ce in stitu tion s to th e n ext
level, an d th e rem ain der cou ld be th e
respon sibility of developm en t grou ps
an d region al ban k s. Yet m ak in g loan s
to poor people is h ardly a poverty cu re.
Property rights an d th e ru le of law mat-
ter too. On e can n ot overidealize wh at
m i cr ofi n an ce al o n e can d o. M ost
n on profits started with len din g sim ply
becau se local laws prohibited nonbank s
from offerin g deposit accou n ts. With
an in crease in com petition an d m ar -
k etin g efforts, poverty – alleviation ex-
perts are con cern ed th at people will
be talk ed in to loans th ey wou ldn’t oth -
er w i s e w an t , Fo r ex a m p l e,
organ isation s lik e Miban co are provid-
in g con su m er loan s. Th ere is n oth in g
wron g wit h b u yin g TVs an d m icro-
waves on credit, bu t certain m ark ets,
lik e Mexico, h ave been flooded with
loan s that h ave noth ing to do with pro-
viding capital to aspi r i n g entrepreneu rs
— ju st in creasin g h ou seh old debt.
56. Wh at does th e tran sform ation of
Per u ’s n on -pr ofi t or gan i sat ion
into ban k illu strate?
(1) To com pete with com m ercial
ban k s, m icrofin ance in stitu -
t i on s sh ou l d con ver t i n t o
ban k s an d offer a wide vari-
ety of services.
(2) M i cr ofi n an ce i n st i t u t i on s
tu rn h igh er profits as ban k s
sin ce in terest rates on loan s
are at th eir discretion .
(3) Th e poor prefer to go to large
ban k s rath er th an NGOs to
obtain loans.
(1) Non e
(2) Both (A) and (B)
(3) All (A), (B) an d (C)
(4) On ly A (5) Non e of th ese
57. Wh y did m ost m icrofin an ce in -
stitu tion s in itially provide on ly
credit services?
(1) Th ey were u n able to com pete
with th e in terest rates offered
on deposit s b y com m ercial
ban k s.
(2) Th ey h ave to operate pu rely
on a n on -profit basis.
(3) Govern m en t restriction s pre-
ven t ed t h em fr om offer i n g
addition al services.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(4) To en su re th e poor h ave ac-
cess t o m oder n n ecessi t ies
lik e m icrowaves.
(5) Non e of th ese
58. Wh at was th e im pact of th e n on
disclosu re of th eir in terest rates
by len ding in stitu tion s ?
(1) Th e governm ent issu ed san c-
tion s again st su ch firm s.
(2) Sh areh older’s in terests were
n ot protected
(3) More m icrofin an ce in st it u -
ti on s were m oti vat ed to go
pu blic.
(4) Th e poor were exploited
(5) Non e of th ese
(An dhr a Ban k PO Ex am . Hel d on :
14.09.2008 (Based on M em or y )
59. Wh at is CGAP’s fear with respect
t o n ew en t i t i es p r o v i d i n g
m icrofin an ce ?
(1) NGO will be u n able to su r -
vive in an en vironm en t of cu t
throat competition
(2) Th e poor will h esitate to tak e
advan tage of credit facilities
b ecau se of t h e for m al i t i es
involved.
(3) Th e p oor i n t h e d eveloped
world will be overlook ed
(4) Th e in terests of th e m ost de-
servin g am on g th e poor will
be n eglected.
(5) Sh areh olders in terest will be
ignored
60. Wh at i s t h e au t h or ’s op i n i on
abou t the competition for cu stom-
ers am on g m icrofin an ciers ?
(1) It ben efits th e poor by pro-
vidin g them with loans wou ld
h ave oth erwise n ot h ad ac-
cess to.
(2) It is fu tile since the poor have
to pay h igh rates of in terest
on property loan s.
(3) It is n ot ben eficial sin ce firm s
waste th eir profits on m ar -
k etin g rather than helpin g the
poor.
(4) It i s a d i sad van t age si n ce
m i c r o f i n an ci er s u s e an y
m ean s p ossi b l e t o r ecover
loan s.
(5) Non e of th ese
61. Wh ich of th e fol lowin g i s/ are
ch allen ge/ s faced by Miban co at
presen t from big ban k s?
(1) En su rin g loyalty of their cu s-
tom ers.
(2) Reten tion of em ployees
COMPREHENSION TEST
(3) Main taining low interest rates.
(1) Only (C)
(2) Both (A) and (B)
(3) Both (B) an d (C)
(4) On ly B
(5) Non e of th ese
62. Wh ich of the following is/ are con-
sequ en ce/ s of m icr ofin an ci er s
alterin g th eir bu sin ess m odels ?
(A) L ar ger l oan am ou n t s get
san ction ed.
(B) D eb t am on g t h e p oor h as
fallen in som e cou n tries.
(C) Drop in th e loans awarded to
women .
(1) Both (A) an d (B)
(2) Both (A) an d (C)
(3) Only (C)
(4) All (A), (B) an d (C)
(5) Non e of th ese
63. Wh ich of th e followin g can n ot be
said abou t th e Gram een Fou n da-
tion ?
(A) It regu lates th e activities of
m icrofin an ce firm s in devel-
oping cou n tries.
(B) It fu n ction s primarily in Asia
an d Latin Am erica
(C) It ap p r oves of p r i vat i si n g
m icrofin an ce in stitu tions.
(1) Both (A) an d (B)
(2) On ly B
(3) Both (A) an d (C)
(4) All (A), (B) an d (C)
(5) Non e of th ese
64. Wh at is th e ben efit of allowin g
mu ltinational corporations to par -
ticipate in th e m icrofin an ce sec-
tor ?
(1) It wi ll en su re p rofessi on al
managem en t of th ese institu -
tions.
(2) Developm en t ban k s will n o
lon ger h ave to be in volved.
(3) Th e n u m ber of th e poor wh o
ben efit from access to credit
in creases.
(4) Profitability of m icrofin an ce
i n st i t u t i on s w i l l i n cr ease
drastically.
(5) Non e of th ese
65. Wh ich of th e fol lowi n g can be
said abou t m crofin an ce ?
(1) Th e m ajority of m icrofin an ce
arou n d th e world is provided
by NGOs.
(2) Microfin an ce was n ot profit-
able till com m ercial ban k en -
tered th e sector.
-212-

(3) Microfin an ce is experien cin g
a h igh growth rate at presen t.
(4) Microfin an ce in stitu tion s are
govern ed by gu idelin es set-u p
by CGAP.
(5) Micr ofin an ce is t h e opt im al
solu tion to alleviate poverty.
Di r ect i on s (6 6–7 4 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it. Certain
words are given in bol d in th e passage
to h elp you locate them wh ile answer -
ing some of th e qu estions.
(Ban k Of Bar oda Speci al i st Of f i cer
Ex am . 05. 10.20 08)
It is difficu lt to com pare cou n tries
becau se variou s factors su ch as size,
cu ltu re, h istor y, geograph y, n atu r al
en dowm en t s, geopolitics an d in tern al
polity com es in to play. Th ere are som e
goals wh ich can be ach ieved by sm all-
er cou n tries; bu t som etim es sm aller
cou n tri es fi n d i t difficu lt to em b ark
u pon certain big tech n ological plan s
even if th ey h ave th e fu n ds, becau se
th e size of th e dom estic m ark et is too
sm all. If we con sider th e bigger cou n -
tries, th e closest com parison to In dia
is Ch in a, th ou gh th ere are m an y cr u -
ci al differen ces.
Th e Ch in ese vision is to prepare
th e cou n ty for en try in to th e ran k s of
m id -level d evelop ed n at i on s by th e
m iddle of th e twen ty–first cen tu ry. Ac-
cel erat ion of t h e n at ion ’s econ om i c
growth an d social developm en t by re-
lying on advan ces in science an d tech -
n ology is pi v ot al in th is.
Docu ments describin g the Chinese
vision state th at scien ce an d tech nolo-
gy con stitu te prem ier produ ctive forc-
es an d represen t a great revolu tion ary
power th at can propel econ om ic an d
social developm en t. It is in terestin g to
n ote that the main lesson s th e Ch in ese
h ave dr awn from th ei r p ast per for -
m an ce is th eir failu re to prom ote sci-
en ce an d tech n ology as strategic tools
for em powerm en t. Th ey also poin t to
th e absen ce of m ech an ism s an d m oti-
vation s in th eir econ om ic activity to
prom ote depen den ce on scien ce an d
tech n ology. Sim ilarly, th ey h old th at
th eir scien tific an d techn ological efforts
were n ot or i en t ed towards econ om ic
growth . As a con sequ en ce, th ey con -
clu de, a large n u m ber of scien tific an d
tech n ological ach ievem en ts were n ot
con ver ted in to pr odu ctive for ces as
th ey were too far rem oved from Ch i-
n a’s im m ediate econ om ic an d social
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
n eeds. Th e Ch in ese vision is th erefore
aim ed at exploitin g state-of-art science
an d technology to en hance th e nation ’s
overall power an d stren gth , to im prove
th e people’s livin g stan dards, to focu s
on resolvin g problem s en cou n tered in
large-scale in du strial an d agricu ltu ral
produ ction an d to effectively con trol
an d alleviate pressu res brou gh t on by
popu lation, resou rces and the environ -
m en t. By th e year 2000, Ch in a h ad
aim ed at brin gin g th e m ain in du strial
sectors u pto th e tech n ological levels
ach ieved by th e developed cou n tries
in th e 1970s or 80s an d by 2020 to
th e level th ey wou ld h ave attain ed by
th e early twen ty-first cen tu ry. The aim
is to bridge th e overall gap with th e
advan ced wor ld . Th er e i s a sp ecial
emphasis on research an d developm ent
of h igh tech n ologies th at wou ld fin d
defen ce app lication s. Som e of th ese
tech n ologies are critical for im provin g
th e featu res of k ey con ven t i on al weap-
on s. Som e tech n ologies are m ean t for
enh an cin g fu tu re military capabilities.
Oth er efforts are aim ed at m ain tain in g
th e mom en tu m to develop capabilities
for cu ttin g-edge defen ce tech n ologies.
Th ey call for u nrem ittin g efforts in th is
regard with th e aim of m ain tain in g ef-
fective self-defen ce an d n u clear deter -
ren t capabilities an d to en able par i t y
in defence, science and techn ology with
th e advan ced world.
66. Com parison between two cou n -
tries becom es difficu lt becau se
(A) th e cou ntries differ in their in-
tern al political system s.
(B) each cou ntry has its own cu l-
tu re an d n at u r al r esou rces
wh ich differ from those of oth-
er s.
(C) th e cou n tries with h om oge-
n eou s back grou n ds are m an y
in n u m ber.
(1) On ly (A) (2) on ly (B)
(3) only (A) an d (B)
(4) All th e th ree (A), (B) an d (C)
(5) Non e of th ese
67. Wh y can't smaller cou n tries tak e
u p big tech n ological plan n in g ?
(1) Th ey h ave ot h er goal s t o
achieve
(2) Th ey h ave sm aller dom estic
m ark et size
(3) Sm aller cou n tries lack tech -
nological k n ow-h ow
(4) Bigger cou n tries do n ot per -
m it th em to do so
(5) Non e of th ese
COMPREHENSION TEST
68. Wh at is th e goal of Ch in a to be
accom plish ed by th e m iddle of
21st cen tu ry ?
(1) To becom e on e of th e m ost
developed n ation s
(2) To su rpass the level of all mid-
dle level developed n ations by
a good m argin
(3) To be the m ost influ ential su -
per power
(4) To b e t h e m ost d evel op ed
nation
(5) Non e of th ese
69. Wh at accordin g to th e Ch in ese
vision can boost socio-econ om ic
developm en t ?
(1) Scien ce an d Tech n ology
(2) Minds u nited with revolu tion-
ary powers
(3) Prem ier produ ctive forces
(4) A vision wh ich propels devel-
opm ent
(5) Non e of th ese
70. Wh ich of th e followin g h ave th e
C h i n es e i d en t i f i ed as t h ei r
pitfall(s) from th eir past?
(A) Lack of orien tation of Scien ce
an d Tech n ology towards eco-
n om ic growth .
(B) Lack of m ech an ism s in th eir
economic activities to prom ote
u se of Scien ce an d Tech n olo-
gy.
(C) Neglect of Scien ce an d Tech -
n ology as a strategic m easu re
for em powerm en t.
(1) On ly (A) an d (B)
(2) On ly (B) an d (C)
(3) On ly (A) an d (C)
(4) All th e th ree (A), (B) an d (C)
(5) Non e of th ese
71 . Th e scien tific an d tech n ological
accomplish men ts of Ch in a cou ld
(1) rem ain dysfu n ctional
(2) be tran sform ed in to produ c-
tive forces
(3) be u tilised for m otivatin g eco-
n om ic activities
(4) be promoted throu gh political
will
(5) Non e of th ese
72 . Wh ich of th e followin g is/ are th e
expected resu lt/ s of Ch in a’s n ew
vision s?
(a) To au gment peoples’standard
of livin g.
(b) To tack le pressu re effective-
ly brou gh t on by th e popu la-
tion.
-213-

(c) To u tilise m odern tech n ology
for brin gin g th e laten t power
u n der con trol.
(1) only (A) an d (B)
(2) on ly (B) an d (C)
(3) only (A) an d (C)
(4) All th e th ree (A), (B) an d (C)
(5) Non e of th ese
73 . Wh at accordin g to th e passage
is th e gap in term s of n u m ber of
years between th e targeted de-
velopm en ts in Ch in a an d in oth -
er developed cou n tries ?
(1) 5–10 years(2) 20–30 years
(3) 40–50 years
(4) More th an 50 years
(5) Less th an 5 years
74 . Wh ich of th e followin g is th e es-
sen ce of th e con ten ts of th e pas-
sage ?
(1) En orm ou s popu lation of th e
cou n try can be positively u ti-
lised for developm en ts
(2) Scien tific an d Tech n ological
prin ciples m ay n ot n ecessar -
ily be instru mental in econom-
ic growth
(3) Harmoniou s developm ent of a
cou n try can tak e place even
in th e absen ce of tech n ology
u p-gradation
(4) Econ om ic growth n eeds to be
driven by scien ce an d tech -
nology
(5) Cou ntries shou ld not be com -
pared with each oth er
Di r ect i on s (7 5 –8 4 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it. Certain
words are prin ted in bol d to h elp you
locate th em wh ile an swerin g som e of
th e qu estion s.
(Or i en t al Ban k Of Com m er ce PO
Ex am . 2 1 .1 2 . 2 00 8 )
We h ave witn essed several disas-
ters in recen t tim es, som e n atu ral oth -
ers m an m ade. Th e fr equ en cy of su ch
calamities h as inju red u s and deadened
ou r collective sen sitivity, bu t that does
n ot r edu ce th e en or m it y of th e per -
son al tragedy of each victim ’s fam ily
an d com m u n ity. Th e econ om ic loss is
on ly secon dary to th e h u m an su ffer -
in g, bu t is also su bstan tial. Th e Gov-
ern m en t wh eth er State or Cen tral h as
stan dardised its respon se. Th is con -
sists of reactin g late, blam in g oth ers,
visits by VIPs an nou ncing a relief pack -
age in clu din g com pen sation for th ose
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
affected an d th en forgettin g all abou t
it. Th ere seem s to be little attem pt at
drawin g l esson s from each disast er,
storin g th e k n owledge for fu tu re u se,
lon g term plan n in g for possible pr e-
em pt i v e action . Preparedn ess for di-
sasters th u s falls sh ort of wh at is pos-
sible u sin g today’s techn ologies.
Floods in m an y parts of In dia lik e
th e states of Bih ar an d Assam are a
yearly ph en om en on . Yet th e gover n -
m en t seem s to be cau gh t by su rprise
year after year. It is obviou s th at tar -
pau lin s, vaccin es, m edicin es, cloth es,
satellite ph ones, large nu m bers of doc-
tors an d param edical staff etc. will be
n eed ed as wil l boat s an d b u ses for
evacu ation . Th is is k n own to all th ose
wh o h ave com bated em ergen cies yet
th e n on -availability of th ese essen tial
ser vi ces an d com m od i t i es occu r s.
Worse th e organ isational stru ctu re and
m ech an ism s for dealing with disasters
are l et h ar gi c an d ill defin ed. Th e Na-
tion al Disaster Man agem en t Agen cy,
set u p a sh ort tim e ago bein g a cen tral
govern m en t agen cy h as lim itation s re-
latin g to i n fr i n gi n g th e ju risdiction of
states. It cou ld h ave aggregated an d
dissem in ated experien ces an d k n owl-
edge, stock ed m an y of th e essen tial
i t em s requ i red in an em er gen cy or
work ed with agen cies to en su re su ffi-
cien t stock s, bu t h asn ’t.
Wh ile th e reaction to m ajor disas-
ters is di sm al , th e respon se to em er -
gen cies lik e acciden t is equ ally sad.
Victim e lie u n atten ded sin ce passers
by are wary of gettin g cau gh t in a lab-
yrin th in e of police an d legal system s.
Th e resu ltin g delay in treatm en t con -
ver t s i n j u r i es i n t o d eat h s. Of l at e,
u n iqu e an d free service to provide as-
sistan ce in em ergen cy cases is opera-
tion al. Em ergen cy M an agem en t an d
Research In stitu te (EMRI) is a profes-
sionally managed operation-initiated by
th e vision an d gran t from Ram alin ga
Raju . Th e service, wh ich is a su ccess-
fu l exam ple of pu blic private partn er -
sh ip lik ely to becom e operation al in a
few states in th e n ear fu tu re. Given
th e sad failu re of con ven tion al govern -
m en t organ isation s in h an dlin g disas-
ters, it is tim e we look ed at th e PPP
m odel as an altern ative with ou t th e
govern m en t seek in g in an y way to ab-
dicate its responsibility. While th e state
provides th e fu n din g, private organ i-
sation s will provide th e drive, profes-
sionalism, competent m anagement and
ou tpu t lin k ed efficien cy of a good cor -
COMPREHENSION TEST
porate organisation. Combining the sen-
sitivity an d pu rpose of an NGO with
private en trepren eu rial drive to h an -
dle disasters togeth er is th u s a worth -
wh ile challenge for both corporates and
th e govern m en t.
75. Wh y do bystan ders n ot h elp ac-
ciden t victim s ?
(1) Th ey lack the n ecessary med-
ical k n owledge.
(2) It is th e respon sibility of th e
driver of th e veh icle.
(3) Th ey are wary of cu m ber -
som e police form alities an d
legal system s
(4) Medical attention via satellite
p h on es can b e p r ovi d ed
promptly
(5) Non e of th ese
76. Wh ich of th e fol lowi n g is NOT
tru e in th e con text of th e pas-
sage ?
(1) M an m ad e d i sast er s occu r
m ore frequ en tly th an n atu ral
disasters.
(2) Th e Pu blic Private Participa-
tion m odel h as been su ccess-
fu l in h an dlin g em ergen cies
(3) Fl ood s occu r ever y year i n
som e In dian states.
(4) Analysis of previou s disasters
will h elp u s cope with fu tu re
ones
(5) People h ave becom e in differ -
en t to disasters.
77. Wh ich of th e followin g h as been
th e cu stom ary govern m en t reac-
tion to disasters ?
(A) It h as h an dled disasters with
u tmost sen sitivity.
(B) It respon ds in a profession al
efficien t m an n er wh ich h as
been stan dardised over tim e.
(C) I t en s u r es m o n et a r y a i d
reach es th ose afflicted by di-
sast er s.
(1) On ly (A) (2) Only (B)
(3) Both (A) an d (B)
(4) Only (C) (5) Non e of th ese
78. Wh at is th e au th or’s view on th e
govern m en t’s cu rren t reaction to
n atu ral disasters ?
(1) Th e governm ent h as not been
able to h an dle disasters an d
sh ou ld seek foreign aid.
(2) A Cen tral Govern m en t agen -
cy sh ou ld be set to speed-u p
coor d i n at i on i n r escu e ef-
for ts.
-214-

(3) It h as failed to u tilise don a-
t ion s effect ivel y t o p rovid e
relief.
(4) Th e govern m en t is apath etic
an d has not man aged to han-
dle disasters effectively
(5) Non e of th ese
79. Wh ich of th e followin g is TRUE
abou t EMRI ?
(1) It is ru n by a ph ilan th ropist.
(2) It h as widespread operation s
all over In dia.
(3) Th e govern m en t h as n o say
in its fu n ctionin g.
(4) EMRI i s a n on govern m en t
organ isation.
(5) It is an em ergen cy m an age-
m en t service.
80. Wh y is th ere a lack of m edical
care at disaster sites ?
(1) ln adequ ate transportation fa-
cilities
(2) Lack of disaster m anagement
train in g for m edical staff
(3) Loss of medical su pplies du e
to dan gerou s condition s
(4) Safety of m edical staff du e to
dan gerou s condition s
(5) Non e of th ese
81. Wh at does th e au th or con sider
“a worth wh ile ch allen ge for both
corporates and th e govern ment”?
(1) Govern m en ts sh ou ld gradu -
ally tran sfer disaster manage-
m en t to corporates.
(2) Th ei r wor k i n g t oget h er t o
m an age disasters com plete-
ly k eepin g pu blic interests in
mind
(3) Redu ci n g t h e i n ci d en ce of
m an m ade disasters
(4) Mitigatin g th e fin an cial loss-
es su stain ed du rin g n atu ral
disasters
(5) Non e of th ese
82. Wh ich of th e followin g can be in -
ferred abou t th e Nation al Disas-
ter Man agem en t Agen cy ?
(A) It h as su bstan tial experience
in dealin g with disasters.
(B) It h as b een su ccessfu l i n
sharing information with oth-
er d i s a st er m an a gem en t
agen cies.
(C) It disbu rses fu n ds to disas-
t er m an agem en t organ isa-
tion s to procu re em ergen cy
st ock s.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(1) Only (B)
(2) All (A), (B) an d (C)
(3) On ly (A)
(4) Both (A) an d (B)
(5) Non e of th ese
83. Accordin g to th e passage,wh ich
of th e followin g will be th e lik ely
im pact/ s of th e pu bl ic pri vate
part icipation m odel of disaster
m an agem en t ?
(A) Politician s will n ot be able to
in terfere with relief efforts
(B) Aid will be effictively deployed
(C) Profession al approach to di-
saster m an agerm en t efforts.
(1) On ly (A)
(2) Both (B) an d (C)
(3) All (A), (B) an d (C)
(4) Only (C)
(5) Non e of th ese
84. Wh ich of th e followin g h as/ h ave
been th e im pact/ s of con sisten t-
ly occu rrin g n atu ral disasters ?
(A) Th e Govern m en t h as in itiat-
ed a lon g term plan n in g pro-
cess to h an dle th em
(B) Use of tech nology in com bat-
in g disasters h as in creased
in In dia
(C) T h e G ov er n m en t i s n o t
cau gh t u nawares wh en su ch
disasters occu r.
(1) Non e (2) On ly (B)
(3) Both (A) an d (C)
(4) Both (A) an d (B)
(5) All (A), (B) an d (C)
Di r ect i on s (8 5–9 4 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it. Certain
wor ds h ave been pri n ted i n bol d t o
h elp you to locate th em wh ile an swer -
in g som e of th e qu estion s.
(PNB Agr i cul t ur e Of f i cer
Ex am . 0 4 .0 1 . 2 00 9 )
We sh ou ld recogn ise th e in debt-
edn ess of th e cou n try to its farm fam -
ilies wh o toil to safegu ard n ational food
secu rity. Loan waiver is th e price we
h ave to pay for th e n eglect of ru ral In -
d i a over t h e p ast sever al d ecad es.
Th ere h as been a gradu al declin e in
in vest m en t in k ey sectors related to
agr icu l t u r e su ch as i n frast r u ctu r e,
mark eting, post h arvest technology etc.
Th e fou r crore farm ers wh ose debt is
to be r el i ev ed will be eligible for in sti-
tu tion al credit for th eir cu ltivation ex-
pen ses du rin g Kh arif 2008. Th e ch al-
COMPREHENSION TEST
len ge is to preven t th em from gettin g
in to th e debt trap again . For th is pu r -
pose the Cen tral and variou s State gov-
ern m en ts sh ou ld set u p an In debted
Farmers' Support Consortium, compris-
in g scien tists, pan ch ayat raj officials
an d oth ers relevan t to assistin g farm -
ers to im prove the profitability an d pro-
du ctivity of th eir farm s in an en viron -
m en t al l y su st ai n ab l e m an n er. Th e
smaller th e farm the greater is th e n eed
for m ark etable su rplu s to redu ce in -
debted n ess.
Th e In d eb ted Farm ers' Su p port
Con sortiu m sh ou ld aim to get all th e
fou r crore farm ers all th e ben efits of
th e govern m en t sch em es su ch as th e
Rash triya Krish i Vik as Yojan a, Irriga-
tion Ben efit Program m e an d oth ers. If
th is is don e every farm fam ily released
from th e debt trap sh ou ld be able to
p rodu ce at least an ad di ti on al h al f
ton n e per h ectare of food grain s. Th is
sh ou ld h elp in crease food produ ction
by abou t 20 m illion ton n es by 2008-
10. At a time wh en global an d nation al
food stock s are dwin dlin g an d prices
are risin g, th is will be a t i m el y gain
for ou r n ational food secu rity. We n eed
to en su re th at th e ou tcom e of th e debt
wai ver i s en h an ced far m ers' in com e
an d pr odu ct ion . Th e p revai li n g gap
between poten tial an d actu al yields in
th e crops of rainfed areas su ch as pu ls-
es an d oilseeds is over 200 percen t
even with th e n ecessary tech n ologies
on th e sh elf. We are n ow im p orti n g
with ou t du ty large qu an tities of pu lses
an d oi lseeds. If h elped, farm ers can
produ ce th ese at a lower cost.
Opportu n ities for assur ed an d re-
m u n erative m ark etin g are essen tial if
loan waiver is n ot to becom e a recu r -
rin g even t leadin g to th e destru ction
of th e credit system . Th is is wh y th e
Min im u m Su pport Price is n ecessary
for all n ot ju st for a few crops wh ich is
th e case at presen t. Th is is th e sin gle
m ost effective step to m ak e loan waiv-
ers h istory. Th ere is an oth er u rgen t
step wh ich n eeds to be tak en. The loan
waiver does n ot cover th ose wh o bor -
row from m on eylen ders. It will n ot be
possible for th e goverm n en t to scru ti-
n ise th e veracity of su ch private deals
bu t steps can be tak en su ch as givin g
th em Sm art Cards wh ich will en title
them to essen tial in pu ts lik e seeds an d
fertilisers. Th e gram sabh a can be en -
t ru st ed wit h th e task of id en ti fyin g
th ese farm ers so th at th ere is tran s-
paren cy in th e process an d el i m i n a-
t i on of th e ch an ces for falsification an d
-215-

corru ption . Fear of occasion al m isu se
shou ld n ot com e in th e way of enablin g
m illion s of poor far mers who have bor -
rowed from in form al sou rces if we are
t o ach i eve t h e goal of fou r p er cen t
growth in agricu ltu re.
85. Wh at is th e lik ely im pact of en -
su rin g farm ers ben efit from gov-
ern m en t sch em es ?
(A) Th ey can u se th e credit from
th ese sch em es to repay m on -
eyl en ders.
(B) Th e govern m en t can con trol
th e price rise.
(C) In cr eased agr i cu l tu r al p ro-
du ction.
(1) Both (A) & (B)
(2) All (A), (B) & (C)
(3) Only (C)
(4) Both (B) & (C)
(5) Non e of th ese
86. Why does th e au th or feel th at ru -
ral In dia h as been overlook ed in
th e past ?
(A) In stitu tion al credit was on ly
m ad e avai l ab l e for K h ar i f
cr op s.
(B) Drop in in vestm en t in cen tral
areas related to agricu ltu re.
(C) Records of th ose eligible for
loan waivers h ave n ot been
m ain tain ed over tim e.
(1) Only (B)
(2) Both (A) & (B)
(3) Only (C)
(4) All (A), (B) & (C)
(5) Non e of th ese
87. H ow can sm al l far m er s avoi d
debt?
(1) They need to acqu ire addition-
al land h oldings.
(2) Th ey n eed to tak e advan tage
of both govern m en t sch em es
as well credi t fr om m on ey-
len der s.
(3) Th ey h ave to en su re a su ffi-
cien t am ou n t of th ei r far m
produ ce is sold.
(4) Th e Govern m en t sh ou ld pro-
vide periodic loan waivers.
(5) Non e of th ese
88. Wh at is th e objective of th e In -
debted Farmers’Su pport Consor -
tium?
(1) It is a su pport grou p for th e
fam ilies of in debted farm ers.
(2) It h as to devise n ew govern -
m en t sch em es for farm ers.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(3) It h as to track farm ers eligi-
ble for govern m en t sch em es.
(4) It h as to evalu ate govern men t
sch em es an d weed ou t th e
in efficien t on es.
(5) Non e of th ese
89. Wh at does th e au th or m ean by
th e ph rase "in debtedn ess of th e
cou n try to its farm fam ilies"?
(1) If farm ers are in debt it im -
pacts th e en tire cou n try
(2) Citizen s sh ou ld be gratefu l to
farm ers an d th eir fam ilies for
th e h ardsh ips born e by th em
to cu ltivate crops an d safe-
gu ard n ation al food secu rity
(3) In dia’s food p rodu ction h as
fallen cau sin g it to be in debt
sin ce it h as to im port food.
(4) Th e n u m ber of farm ers' de-
scen dan ts tak in g u p agricu l-
tu re h as fallen .
(5) Non e of th ese
90. Wh at is th e au th or's opin ion of
recu rrin g loan waivers ?
(1) Th ey are ben eficial to farm -
er s.
(2) Th ey are detrimen t to th e sys-
tem of len din g.
(3) Th ey will redu ce th e n eed for
a Min imu m Su pport Price for
agricu ltu ral produ cts.
(4) Farm ers will n o lon ger be in
debt to m on eylen ders.
(5) Non e of th ese
91. Wh ich of th e followin g is TRUE
in th e con text of th e passage ?
(1) Th e Min im u m Su pport Price
for agricu ltu ral produ cts is yet
to be im plem en ted.
(2) Loan waiver is a perm an en t
solu ti on t o in deb tedn ess of
farm er s.
(3) Cu rrent agricu ltu ral growth is
below fou r percen t.
(4) In dia's food produ ction h as
in creased in 2008.
(5) M on eyl en d er s b en efi t from
loan waivers.
92. Wh y does t h e l oan waiver n ot
cover credit tak en from m on ey
len ders?
(A) It is difficu lt to verify th ese
con t r act s b et ween far m er s
an d m on eylen ders.
(B) It will in crease th e deficit in
th e bu dget.
(C) Th ere is a risk th at th e fu n ds
m ay be m isappropriated.
COMPREHENSION TEST
(1) Both (A) & (C)
(2) All (A), (B) & (C)
(3) Only (B)
(4) Both (A) & (B)
(5) Non e of th ese
93. Wh y is th ere a vast gap in actu al
an d poten tial yields of crops in
rain fed areas ?
(1) Th e gover n m en t p r efer s t o
im port th ese crops at a lower
rat e.
(2) No t ech n ologi cal ad van ces
h ave been m ade to im prove
th e growth of crops in th ese
areas.
(3) There is no Minimu m Su pport
Pr i c e a v a i l a b l e f or t h es e
cr op s.
(4 ) Far m er s ar e for ced t o sel l
th ese crops at a low rate.
(5) Non e of th ese
94. How does the governm en t in ten d
t o en su r e tr an sparen cy i n th e
Sm art card issu an ce process?
(1) Screen in g private players in -
volved in th e sch em e.
(2) Gran tin g access to those farm-
ers wh o r egi st er wi t h t h ei r
local m oneylen ders.
(3) Providin g cards wh ich can not
be forged.
(4) Regu larly rotating members of
th e gram sabh a so th ere is n o
corru ption .
(5) Th e gram sabh a can be en -
tru sted with th e task of iden -
tifyin g farm ers.
Di rect i on s (9 5–10 3) : Read the fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it. Certain
words are prin ted in bol d to h elp you
locate th em wh ile an swerin g som e of
th e qu estion s.
(Can ar a Ban k PO Ex am . 15.03.2009)
J oh n Mayn ard Keyn es, th e tren di-
est dead econ om ist of th is apocal y p-
t i c m om en t, was th e godfath er of gov-
er n m en t st i m u l u s. Keyn es h ad t h e
radical idea th at th rowin g m on ey at
recession s th rou gh aggressive deficit
spen din g wou ld r esu sci t at e flatlin ed
econ om ies- an d h e wasn ’t too particu -
lar abou t where the m oney was th rown.
In t h e dept h s of t h e Dep ression , h e
su ggested th at th e Treasu ry cou ld “fill
old bottles with ban k n otes, bu ry th em
at su i t ab l e d ep t h s i n d i su sed coal
m i n es” t h en si t b ack an d w at ch a
m on ey-m in in g boom create jobs an d
-216-

prosperity. “It wou ld, in deed, be m ore
sen sible to bu ild h ou ses an d th e lik e,”
h e wrote, bu t above wou ld be better
than noth in g.”
As Presiden t-elect Barack Obam a
prepares to th row m on ey at th e cu r -
ren t down tu rn - a stim u lu s pack age
starting at abou t $800 billion, plu s th e
secon d $ 350 billion ch u n k of th e fi-
n an cial bailou t -we all really do seem
to be Keyn esian s n ow. J u st abou t ev-
ery expert agrees th at p u m pin g $ 1
trillion in to a m or i bu n d econ om y will
rev u p th e eth ereal goods-an d-services
en gin e th at Keyn es called “aggregate
dem an d” an d stim u late at least som e
sh or t -ter m act ivi t y, even if i t i s al l
wasted on m on ey pits. Bu t Keyn es was
also righ t th at th ere wou l d be m ore
sen sible ways to sp en d it. A tril lion
dollars’worth of bad ideas -sprawl-in -
du cin g h igh ways an d bridges to n o-
wh er e, eth an ol plan ts an d pipel in es
t h at accelerate gl ob al war m i n g, tax
break s for overleveraged McMan sion
bu ilders an d bu rden som e n ew lon g-
term federal en titlem en ts - wou ld be
worse th an m ere waste. It wou ld be
sm arter to bu y every American an iPod,
a set of Gin su k n ives an d 600 Su bway
foot-lon gs.
It wou ld be sm arter still to th row
all th at m on ey at th in gs we n eed to do
an yway, wh ich is th e goal of Obam a’s
u pcom in g Am erican Recovery an d Re-
in vestm en t Plan . It will in clu de a m ix
of tax cu ts, aid to beleagu ered state
an d local govern m en ts, an d spen din g
to address n eeds ran gi n g from food
stam ps to compu terized h ealth records
to brid ge r epai rs to broadban d n et-
work s to en ergy-efficien cy retrofits, all
design ed to save or create 3 m illion to
4 m il l ion j ob s b y t h e en d of 20 10 .
Obam a h as said speed is h is top pri-
ority becau se th e fast er Wash i n gton
in jects cash in to th e fin an cial blood-
st ream , th e better it stan ds to h elp
avert a m u ltiyear slu m p with dou ble-
digit u nemploym en t and deflation . Bu t
h e also wan ts to u se th e stim u lu s to
advance his long-term priorities: redu c-
in g en ergy u se an d carbon em ission s,
cu ttin g m iddle-class taxes, u pgradin g
n egl ect ed i n fr ast ru ctu r e, r ei n in g i n
health -care costs an d even tu ally redu c-
in g th e bu dget deficits th at exploded
u n der George W. Bu sh . Obam a’s goal
is to exploit th is crisis in the best sense
of th e word, to start pu rsu in g h is vi-
sion of a green er, fairer, more com peti-
tive, m ore su stain able econ om y.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Un fortu n ately, wh ile 21st cen tu ry
Wash in gton h as dem on strated an im -
pressive ability to spend money qu ick ly,
it h as yet to prove th at it can spen d
m on ey wisely. An d th e ch u m of a 1
with 12 zeros is already creating a feed-
in g fr en zy for th e ages. Lobbyists for
shoe com pan ies, zoos, catfish farm ers.
m all own ers, airli n es, pu blic br oad-
casters, car dealers an d everyon e else
wh o can afford th eir retain ers are lin -
i n g u p for a p iece of th e sti m u l u s.
St at es t h at em b ar k ed on r au c o u s
spendin g and tax-cu ttin g sprees wh en
th ey were flu sh are beggin g for bail-
ou ts n ow th at th ey’re brok e. An d poli-
tician s are du stin g off th eir u n fu n ded
m obster m u seu m s, waterslid es an d
oth er pet p rojects for rebran din g as
sh ovel r ead y i n fr ast r u ct u re i n vest -
m en ts. As Obam a’s aides scram ble to
assem b l e som et h i n g effect i ve an d
tr an sform ative as wel l as p oli ti cal ly
ach ievable, th ey ack n owledge th e ten -
sion between h is desires for speed an d
refor m .
95. J oh n M. Keyn es was advocate of
wh i ch of th e followin g su gges-
tion s ?
(1) Spen din g m on ey reck lessly
du ring recession s is su icidal
(2) Exorbitant spending du ring re-
cessi on s i s l i k el y to b oost
economy
(3) Aggressive deficit spendin g is
lik ely to be fatal for econ omic
m eltdown .
(4) Go ver n m en t s t i m u l u s t o
econ om y m ay n ot h elp be-
cau se of red-tapism
(5) Non e of th ese
96. Wh ich of th e followin g is T RUE
abou t Keyn es’ph ilosoph y ?
(1) Actu al spen din g m on ey du r -
ing meltdown is m ore im por -
tan t th an wh ere an d on wh at
it is spen t
(2) Governm en t sh ou ld be selec-
tive in approach for spen d-
in g m on ey du rin g recession
(3) F i l l i n g o l d b ot t l es w i t h
ban k n otes and bu rying them
is an atrociou s proposal
(4) Creatin g jobs an d prosperity
du rin g recession s is alm ost
an im practicable proposal
(5) Non e of th ese
97. Th e au th or of th e passage calls
Barack Obam a an d h is team as
“Keyn esians” becau se
COMPREHENSION TEST
(1) Barack Obam a h as been re-
lu ctan t to follow Keynes’phi-
losophy
(2) His team is advisin g Barack
to refrain from Keyn es’ ph i-
losophy
(3) Barack Obam a an d h is team
have decided to fill old bottles
with ban k notes
(4) B u i l d in g h ou ses h as b een
u n der th e acti ve con si der -
ation of Barack Obam a an d
h is team
(5) Non e of th ese
98. What, according to Keyn es, is th e
“aggregate dem an d” ?
(1) Goods an d Services Sector
(2) Stimu lation of a short-term ac-
tivity
(3) Attempting to rev u p the slu g-
gish econom y
(4) Pu m pin g on e trillion dollars
into econ om y
(5) Non e of th ese
99. H i gh w a y s , b r i d ges , et h an o l
p lan ts, et c. are con si d ered b y
th e au th or as
(1) r eas o n ab l y a p p r o p r i a t e
proposition s to spend money
on
(2) m easu res th at affect th e en -
viron m en t adversely
(3) i m p r u d en t p r o p os a l s t o
waste m on ey on
(4) tax saving schemes bestowed
on bu ilders
(5) Non e of th ese
100. Obama’s u pcom ing American Re-
covery an d Rei n vestm en t Pl an
focu ses on wh ich of th e follow-
in g ?
(A) Recovery of all debts from th e
debtors in a ph ased m an n er.
(B) Pu mping mon ey very liberally
in projects th at are m an da-
tory.
(C) In vestin g mon ey reck lessly in
an y project regardless of its
u tility.
(1) (A) on ly (2) (B) on ly
(3) (C) on ly
(4) (B) an d (C) on ly
(5) All (A), (B) and (C)
101. Accor din g to th e au th or of th e
passage, food stam ps, bridge re-
pairs, etc. are th e projects th at
(1) do n ot warran t u rgen t spen d-
in g as th ey h ave a lower u til-
ity valu e
-217-

(2) need the least investm en t an d
priority as compared to bu ild-
in g h ou ses for th e n eedy
(3) m ay n ot h ave an y favou rable
im pact on attempts to cou nter
recession
(4) h ave lower valu e in term s of
retu rn s bu t requ ire m ajor in -
vestm en ts
(5) Non e of th ese
102. Obam a desires to accelerate th e
process of pu m pin g m on ey with
u tm ost rapidity as th e believes
th at it wou ld–
(A) h elp create reason ably h igh
employmen t opportu n ities.
(B) avoid deflation .
(C) in ject cash in to th e already
trou bled econ om y
(1) (A) and (B) only
(2) (B) an d (C) on ly
(3) (A) and (C) only
(4) All (A), (B) an d (C)
(5) Non e of th ese
103. Wh ich of the following is/ are cor -
rective m easu re(s) as part of th e
lon g term priorities of Obama that
w as a n o u t c o m e o f h i s
predecessor’s regim e?
(A) Cou ntering recession throu gh
imm ediate rescu e operations.
(B) Redu cin g th e bu dget deficit.
(C) Creatin g a m ore su stain able
economy.
(1) (A) and (B) only
(2) (B) an d (C) on ly
(3) (A) and (C) only
(4) (B) on ly
(5) Non e of th ese
Di r ect i on s (1 0 4 – 1 1 2 ) : Read th e
following passage carefu lly and answer
th e qu estion s given below it. Certain
words/ ph rases are prin ted in bol d to
h elp you locate th em wh ile an swerin g-
som e of th e qu estion s.
(UCO Ban k PO Ex am . 22.03.2009)
Th e n ews fr om Ch in a i n r ecen t
week s h as been di r e. Violen t strik es
an d protests are reported alm ost dai-
ly. Million s of work ers are ou t of jobs.
Econ om i c i n d i cat or s p r esage m or e
gloom , with electricity produ ction for
indu stry fallin g 4% in October, th e first
tim e it h as declin ed in a decade. So is
Ch in a – th e “fragile su perpower,” as
h i st or i an Su san Sh i r k m em or ab l y
term ed it – abou t to experience th e on e
th in g its leaders h ave feared for years:
a so-called h ard lan din g of its econ o-
m y th at cou ld spark widespread so-
cial u n rest ?
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
How will Ch in a weath er th e Finan-
cial Storm ? Ch in a’s view of th e Fin an -
cial Meltdown : Alarm ed Bu t Confiden t.
Behin d th e Global Mark ets’Meltdown .
Th e gloom -an d-doom cam p m ak es a
persu asi ve case. Nou ri el Rou bi n i, a
professor at New York Un iversity, h ad
been warn in g for years of th e dan gers
of an international fin an cial im plosion
- an d t h e cu r r en t econ om i c cr i si s
pr oved h im dep ressin gly righ t. In a
recen t article Rou bin i h as laid ou t a
bleak scen ario for Ch in a. “Th e risk of
a h ard landin g in Ch in a is sharply ris-
in g,” h e writes. “ A deceleration in th e
Ch in ese growth rate ...is h igh ly lik ely,
an d an even worse ou tcom e can n ot be
ru led ou t.” Bu t a cliqu e of Ch in a spe-
cialists in side th e cou n try predicts a
differen t ou tcom e. Th ey believe th at a
ran ge of factors u n iqu e to Ch in a will
n ot on ly preserve it from th e worst of
th e global m eltdown bu t also k eep its
econ om y ch u ggin g alon g at abou t 8%
GDP growth in 2009. So wh o’s righ t ?
I’d go with the locally based economists.
Wh ile th e U.S. fiscal pack age is u n -
lik ely to add even 1 percen tage poin t
to Am erican growth , a recen t report
by Merr ill L yn ch est im at es t h at th e
$600 billion stim u lu s Beijin g u n veiled
in mid-Novem ber will lik ely add 3 per -
cen tage poin ts. An d th at was before
Ch in a’s provin ces u n v ei led t h ei r own
$ 1 .4 trillion bailou t plan , wh ich de-
p en ds on a m assive in fr astr u ctu re-
bu ildin g spree to boost th e econ om y.
Su ch growth wou ld be u nachievable in
other econ om ies. Bu t Chin a rem ains a
speci al m ixtu r e of ragin g capit alism
restin g on a fou n dation of state dom i-
n ation . “People wh o don’t follow Chin a
on a regu lar basis can m iss som e of
th e u n derlyin g drivers of growth ,” says
Arth u r Kroeber, a Beijin g-based econ -
om ist, who cites factors su ch as ch an g-
ing dem ograph ics, th e adoption of new
tech n ology from developed cou n tries
an d rapid u rbanisation . Yes, th ere will
be plen ty of pain . Kroeber an d oth ers
predict a rou gh n ext few m on th s. Th ey
also con cede th at a sh arp declin e in
exports will h it Ch in a h ard, possibly
cu t t i n g 2 .5 p er cen t age p oi n t s off
growth in 2009. There’s also th e stron g
lik elih ood th at ten s of m illion s of dol-
lars will disappear in to Ch in a’s bridg-
es to n owh ere – or in to th e pock ets of
corru pt local officials. Still, if an y gov-
ern m en t can drive ch an ge by dik tat,
COMPREHENSION TEST
i t ’s th e Ch i n ese Com m u n i st Par t y.
Doom sayer Rou bin i writes: “Th e gov-
ern m en t can n ot force corporation s to
spen d or bank s to len d.” In fact, Beijing
can do exactly th at – an d is doin g so
n ow. “On th e ou tside, Ch in a’s ban k s
do look a lot more lik e n orm al Wester n
com m erci al ban k s,” says an in vest-
m en t-ban k an alyst with a decade of
experien ce in Ch in a. “Bu t every sin gle
sen ior officer righ t down to th e m an -
ager of th e sm allest bran ch in In n er
Mon golia is a Party m ember. And when
th e Party says, ‘J u m p or we’r e al l i n
t rou bl e,’t h ey say , ‘H ow h i gh ? ’” Th e
sam e prin ciple applies to state-own ed
en terprises, wh ich accou n t for abou t
a th ird of th e n ation ’s GDP. Som e of
th e problem s Ch in a n ow faces are a
resu lt of econ om ic policies th at are fi-
nally k ick ing in at an inopportu n e time.
Con cern ed earlier th is year abou t spik -
in g in flation an d a bl i st er i n g yearly
growth rate of 11% or m ore, Ch in a’s
econ om ic czars set ou t to cool th in gs
down . Th ey in trodu ced tou gh labou r
laws design ed to decel er at e produ c-
tion of lower -valu e- added goods. It’s
in th at sector th at h u n dreds of th ou -
san ds of work ers are n ow losin g jobs.
Th e sam e h olds tru e for th e bu bblin g
property m ark et, wh ere Ch in ese au -
th orities con veyed to poten tial h om e
bu yers th at th ey wou ld be wise to h old
off. “Th e govern m en t b asically sai d,
‘You ’d be an idiot to bu y an apartm en t
righ t n ow becau se we’re goin g to m ak e
su re th at prices drop lik e a ston e’, “
says th e in vestm en t-ban k , an alyst.
“Ch in ese people stopped bu yin g. Now
t h e gover n m en t i s t el l i n g t h em , ‘It
wou ld be a great tim e to bu y, an d th e
ban k s will be h appy to len d to you .’Of
cou rse people will start bu yin g again .”
Ch in a’s cu rren t econ om ic woes com e
at a m om en t ou s poin t in h istory. De-
cem ber 18 m ark s th e 30th an n iversa-
ry of when Den g Xiaopin g lau nch ed the
n ati on i n t o t h e m ost ext r aor d i n ar y
b u r st of econ om ic developm en t th e
world h as ever seen . For alm ost th is
en tire period, ou tsiders h ave been pre-
dictin g th at it wou ldn ’t last. An d each
tim e, Ch in a h as forged ah ead. Th e fi-
n an cial crisis h as led th e wh ole world
in to u n ch arted territory. Bu t th e on e
con stan t in th is ch an gin g world m ay
b e Ch in a’s ab il i ty t o su rp r i se on ce
m ore.
-218-

104. Wh ich of th e followin g was th e
prediction of Rou bin i regardin g
China ?
(A) Retardation in rate of growth an d
fin an cial crisis.
(B) Preservation of Ch in a’s fin an cial
well-bein g in spite of global m elt-
down . .
(C) In creasin g risk of a h ard lan d-
ing.
(1) On ly (A) an d (B)
(2) On ly (B) an d (C)
(3) On ly (A) an d (C)
(4) All th e th ree
(5) Non e of th ese
105. Which of th e following statemen ts
is defin itely T RUE in th e con text
of th e passage ?
(A) Th e Ch in ese econ om ists in t ro-
d u ced t ou gh l ab ou r l a w s t o
cou n ter declin e in produ ction of
lower valu e added goods.
(B) It is felt th at Ch in ese econ om y
will stand u pright despite the glo-
bal m eltdown .
(C) Ch in ese econ om y is a blen d
of capitalism an d state dom in a-
tion.
(1) (A) an d (B) on ly
(2) (B) an d (C) on ly
(3) (A) and (C) on ly
(4) All th e th ree
(5) Non e of th ese
106. In th e con t ex t of t h e p assage,
wh at i s th e b elief n u rtu red by
Ch in a specialist in th e period of
global meltdown ?
(A) Ch in a has certain u niqu e factors
that wou ld effectively cou n ter th e
global meltdown .
(B) Ch ina will be able to maintain 8%
GDP growth in th e com in g year.
(C) Ch in a’s su perpower h as n ow be-
com e vu ln erable in th e ligh t of
global meltdown .
(1) (A) only
(2) (B) an d (C) on ly
(3) (A) and (C) on ly
(4) (A) and (B) on ly
(5) Non e of th ese
107. Wh i ch of th e foll owin g are th e
factors th at are in favou r of Ch i-
n a du rin g th e crisis period?
(A) Chan gin g dem ograph ics.
(B) Im port an d adoption of m odem
techn ology from developed cou n -
tr ies.
(C) Slow bu t steady u rban isation .
(1) (A) and (B) on ly
(2) (B) an d (C) on ly
(3) (A) and (C) on ly
(4) All th e th ree
(5) Non e of th ese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
108. ‘Ju mp or we’re all in trou ble,’they
say, ‘How h igh ?’Wh at does th is
sen ten ce sign ify ?
(A) All th e decision m ak ers in ban k s
in Ch in a fall in lin e with th e po-
litical parties’dik tat.
(B) Th e decision m ak in g ban k ers al-
ways qu estion th e party leaders’
decision s.
(C) Th e ban k officials are n ot bou n d
an d willin g to work u n der dom i-
n ation of political party.
(1) (A) only (2) (B) only
(3) (C) only
(4) (B) an d (C) on ly
(5) All th e th ree
109. Wh at is th e im pact of Am erica’s
fiscal pack age on its growth ?
(1) It is lik ely to boost econ om y
(2) It will redu ce th e fin an cial cri-
sis su bstan tially
(3) Th e US $ 600 billion will def-
in itely boost econom y
(4) There will be only negligible ad-
dition to th e growth rate
(5) Non e of th ese
110. Wh at seem s to be th e root cau se
for th e distu rban ces in Ch in a in
th e recen t tim es ?
(A) Violen t strik es an d protests by
wor k ers.
(B) Retren chm ent of large nu m ber of
em ployees.
(C) Th reat t o Ch in ese su perp ower
from oth er cou n tries.
(1) On ly (A) (2) On ly (B)
(3) On ly (C) (4) All th e th ree
(5) Non e of th ese
111. Which of th e followin g can be th e
m ost cor rect p r ed i cti on ab ou t
Ch in a’s facin g econ om ic crisis ?
(A) Th e bu rst of econ om ic develop-
m ent of Ch in a is n ot goin g to last
an y lon ger.
(B) Ch in a lik e m ost of th e cou n tries
in th e world, will lan d in to u n -
ch arted terri tory i n th e face of
fin an cial crisis.
(C) Th ou gh Ch in a h as forged ah ead
in th e past, th is tim e it will n ot
su cceed in cou n terin g th e global
m eltdown effectively.
(1) (A) and (B) on ly
(2) (B) an d (C) on ly
(3) (A) and (C) on ly
(4) All th e th ree
(5) Non e of th ese
112. Most of th e Ch in ese work ers are
losin g job in
(A) In vestm en t Ban k s.
(B) Property Mark et.
(C) Lower Valu e Added Goods.
COMPREHENSION TEST
(1) All th e th ree
(2) (A) and (B) on ly
(3) (B) an d (C) on ly
(4) (A) and (C) on ly
(5) Non e of th ese
Di rect i on s (11 3–12 2) : Read the
foll owi n g p assage car efu ll y an d an -
swer th e qu estion s given below it. Cer -
tain words h ave been prin ted in bol d
to h elp you locate them wh ile answer -
in g som e of th e qu estion s.
(I ndi an Over seas Ban k PO
Ex am . 05 .0 4. 20 09 )
Gol dm an Sach s pr edict ed t h at
cru de oil price wou ld h it $ 200 an d
ju st as it appeared that altern ative re-
n ewable en ergy h ad a ch an ce of be-
com in g an econ om ically viable option ,
the intern ational price of oil fell by over
70%. After h ittin g th e all-tim e h igh of
$147 a barrel, a m on th ago, cru de fell
to less th an $40 a bar rel. Wh at ex-
plain s th is sh arp declin e in th e in ter -
n ation al price of oil ? Th ere h as n ot
b een an y m aj or n ew di scovery of a
h itherto u nk nown sou rce of oil or gas.
Th e sh ort an swer is th at th e dem an d
does n ot h ave to fall by a very size-
able qu an tity for th e price of cru de to
respon d as it did. In th e sh ort ru n ,
t h e p r i ce el ast i ci t y of d em an d for
cru de oil is very low. Con v er sel y , in
t h e sh ort r u n , even a rel at ivel y bi g
ch an ge in th e price of oil does n ot im -
m ediately lower con su m ption . It tak es
m on th s, or years, of h igh oil price to
i n cu l cat e h abits of en ergy con serva-
t ion . Wor ld cru d e oi l p r ice h ad re-
m ain ed at over $ 60 a barrel for m ost
of 2 0 0 5 -2 0 0 7 wit h ou t m ak i n g an y
m ajor den t in demand.
Th e l on g an swer is m ore com -
plex. Th e econ om ic slowdown in th e
US, Eu rope an d Asia alon g with dol-
lar depreciation an d com modity spec-
u lation h ave all h ad som e role in th e
downward descen t in th e in tern ation -
al price of oil. In recent years, th e su p-
p l y of oi l h as b een r i si n g b u t n ot
enou gh to catch u p with the risin g de-
m an d, resu ltin g in an alm ost vertical
escalation in its price. Th e n u m ber of
cr u d e oi l fu t u res an d op t i on s con -
tr act s h ave also in creased m an ifold
wh ich h as led to sign ifican t specu la-
tion in th e oil m ark et. In com parison ,
th e role of th e Organ ization of Petro-
leu m Exportin g Cou n tries (OPEC) in
fi xi n g cru de p ri ce h as con si derabl y
weak en ed. OPEC is often accu sed of
operatin g as a cartel restrictin g ou t-
p u t t h u s k eepi n g pr i ces ar t ifi ci al l y
-219-

h i gh . It d i d su cceed i n set t i n g t h e
price of cru de du rin g th e 1970s an d
th e first h alf of th e ‘80s. Bu t, with in -
creased fu tu res trading an d con tracts,
th e con trol of cru de pricing has m oved
from OPEC to ban k s an d m ark ets th at
d eal wi t h fu t u res tr adi n g an d con -
tracts. It is tru e th at m ost oil export-
in g regions of th e world have rem ain ed
politically u nstable fuellin g specu lation
over th e price of cru de. Bu t th ere is
little eviden ce that th e geopolitical u n-
certainties in west Asia h ave im proved
to weak en the price of oil. Threaten ed
b y th e down war d sl i de of oil p ri ce,
OPEC h as, in fact, ann ou nced its deci-
sion to cu rtail ou tpu t.
However m ost oil im porters will
h eave a si gh of r el i ef as t h ey fi n d
their oil im port bills declin e except for
those who bou gh t option s to import oil
at prices h igh er th an m ark et prices.
Exportin g n ation s, on the oth er h and,
will see th eir econ om ic prosperity slip.
Relatively low p rice of cru d e is also
bad n ews for in vestm en ts in altern a-
tive renewable energy th at cannot com-
pete with ch eaper an d n on -renewable
sou rces of en ergy.
113. Wh at does th e ph rase “th e price
elasticity of dem an d for cru de oil
is very low” imply ?
(1) Wh en the price rises th e de-
m an d for cru de oil falls im -
m ediately.
(2) A sm all ch an ge in dem an d
will resu lt in a sharp ch ange
in th e price of cru de.
(3) With in a sh ort span of tim e
t h e p r i ce of cr u d e oi l h as
flu ctu ated sharply.
(4) Specu lation in oil does n ot
h ave m u ch of an im pact on
its price.
(5) Non e of th ese
114. Wh ich of th e followin g factors is
respon sible for rise in specu la-
tion in cru de oil m ark ets ?
(A) OPEC h as n ot been able to
rest ri ct t h e oil ou t pu t an d
con trol prices. .
(B) Th e su pply of oil h as been
risin g to m atch dem and.
(C) Existence of large n u m ber of
oil fu tu res an d oil con tracts.
(1) On ly A (2) Both A an d B
(3) Only C (4) All A, B an d C
(5) Non e of th ese
115. Wh y are oil im portin g cou n tries
relieved ?
(1) Price of cru de reach ed $147
n ot $200 as was predicted.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(2) D i sco ver y of oi l r eser ves
with in th eir own territories.
(3) Dem an d for cru de h as fall-
en sh arply.
(4) Their oil import bills declined
(5) Non e of th ese
116. Wh ich of th e fol lowi n g is NOT
TRUE in th e con text of th e pas-
sage ?
(A) OPEC w as est ab l i sh ed i n
1970 to protect th e in terests
of oil im porting cou n tries.
(B) Wh en d em an d for oi l ex -
c eed s su p p l y t h er e i s a
sh arp rise in price.
(C) Today fu tu res tradin g m ar -
k ets set t h e oil p rices to a
large exten t.
(1) On ly A (2) Only C
(3) Both A an d C
(4) Only B
(5) Non e of th ese
117. Wh i ch of t h e fol l owi n g i s t h e
fu n ction of OPEC ?
(1) Controlling specu lation in oil.
(2) En su rin g profits are equ ally
di stri bu ted to al l it s m em -
b er s.
(3) M on i t or in g i n fl at i on i n oi l
prices an d tak in g n ecessary
steps to lower it.
(4) Gu aranteein g political insta-
bility in oil exportin g cou n -
tries does not impact ou tpu t.
(5) Determ in in g prices of cru de
oil.
118. Wh at d oes th e au th or wan t to
con vey by citin g th e statistics of
2005-2007 ?
(1) The prices of cru de were ris-
ing gradu ally so people were
n ot alarm ed.
(2) Th e dollar was a stron g cu r -
ren cy du rin g th at period.
(3) Many people tu rn ed to alter -
n at i v e r en ew a b l e en er gy
sou rces becau se of h igh oil
pr ices.
(4) If th e price of oil is h igh for
a short time it does n ot n ec-
essarily resu lt in a drop in
consu m ption.
(5) People did n ot con trol th eir
dem an d for fu el th en wh ich
created th e cu rren t econom -
ic slowdown .
119. Wh ich of th e followin g factors is
n ot respon sible for th e cu rren t
drop in oil prices ?
COMPREHENSION TEST
(1) Econ om ic crisis in Am erica,
Eu ropean and Asian n ations.
(2) Specu lation in oil m ark ets
(3) Weak en in g of th e dollar
(4) Political stability in oil export-
ing cou n tries
(5) All th e above are n ot respon -
sible for th e cu rren t drop in
oil prices
120. Wh i ch of t h e fol l owi n g i s/ ar e
TRUE in th e con text of th e pas-
sage ?
(A) Th e declin e in oil prices h as
ben efited all cou n tries.
(B) Ren ewab l e en er gy sou r ces
are costlier th an n on ren ew-
able on es.
(C) Lack of availability of altern a-
tive ren ewable en ergy resu lt-
ed in rise in demand for cru de.
(1) Only B
(2) Both A an d B
(3) Both B an d C
(4) Only C
(5) Non e of th ese
121. What h as th e impact of the drop
in oil prices been ?
(1) Ex plorati on for n atu ral gas
resou rces h as risen
(2) Th e dollar h as fallen sh arp-
ly.
(3) OPEC h as decided to restrict
its produ ction of oil.
(4) Econ om ic depression i n oil
im portin g cou ntries
(5) D r ast i c fal l i n d em an d for
cru de oil
122. Wh at led t o alt ern at ive en er gy
sou r ces bein g con sid er ed eco-
n om ically feasible ?
(1) Th e pr ice of oi l rose b y 70
per cen t wh ile ren ewable en -
ergy sou rces are ch eap
(2) Exorb it an t cr u de oil p ri ces
m a d e a l t er n a t i v e en er gy
sou rces an attractive option
(3) Ex pert predi cti on s t h at t h e
price of oil wou ld altern ately
escalate an d plu nge sh arply
(4) Eviden ce th at n o n ew sou rc-
es of oil and gas are available
(5) Non e of th ese
Di r ect i on s (1 2 3 –1 3 1 ) : Read th e
followin g passage carefu lly an d answer
th e qu estion s given below it. Certain
wor ds h ave been pri n ted i n bol d t o
h elp you locate th em wh ile an swerin g
som e of th e qu estion s.
(Un i t ed Bank Of I n di a PO
Ex am . 21. 06. 200 9)
-220-

In d eed th e west ern r ecessi on i s
really th e begin n in g of good n ews for
In dia! Bu t to u n derstan d th at we will
h ave to m ove away for a wh ile from
th e topic of western recession ....... to
th e J apan ese recession ! For years th e
J ap an ese st yle of m an agem en t h as
been adm ired. However, over th e last
decade or so, on e k ey qu esti on h as
spru n g u p ‘if J apan ese m an agem en t
style is as wonderfu l as described th en
wh y h as J apan been in a recession for
m ore th an a decade ?’
Th e an swer to th is qu estion is very
simple. Cu ltu re plays a very importan t
part in sh apin g u p econ om ies. Wh at
su cceeds in on e cu ltu re fails in an oth -
er. J apan ese are basically n on m ateri-
alistic. An d h owever rich th ey becom e,
u n lik e oth ers, th ey can n ot ju st k eep
th rowin g an d bu yin g en dlessly. An d
on ce th ey h ave everyth in g th ey n eed;
th ere is a satu ration poin t. It was on ly
wh en com pan ies lik e Toyota realized
that th ey cann ot k eep sellin g cars end-
lessly to th eir h om e m ark et th at th ey
wen t really aggr essi v e in th e western
m ark ets -an d th e rest is h istory. J ap-
an ese com pan ies grew bigger by ca-
t er i n g to th e world mark ets wh en th eir
h om e m ark ets sh ru n k .
An d th e m ark ets have to sh rin k fi-
n ally after attain in g a level of afflu en ce!
An d th at’s great for th e world becau se
earth n eeds su stain able developm en t.
It does n ot n eed m on strou s con su m -
ers wh o k eep con su m in g at th e cost of
th e en viron m en t an d th e earth . Th ere
sh ou ld be lim its to growth so th at con -
su m ers are n ot con verted in to m ateri-
al du stbin s for th e profit of a h an dfu l
of corporation s.
Owin g to th e m aterialistic cu ltu re
elsewh ere, it was possible to k eep sell-
in g n ewer produ cts to th e con su m ers
d esp it e h avi n g ex ist in g on es wh ich
served equ ally well. Th ey were lu red
t h r ou gh ad vert i si n g an d m ark et in g
tech n iqu es of ‘du stbin i sation ’ of th e
cu stom er; an d th en fin ally, on ce th ey
becam e ready cu st om ers, th ey were
given loan s an d credits to h elp th em
bu y m ore and more. When all the cred-
itworth y people were given loan s to a
logical lim it, th ey ceased to be a part
of th e m ark et. Even th is wou ld h ave
been u n derstan dable if it cou ld work
as an eye open er. In stead of tak in g th e
‘Righ t Step’ as Toyota did, th ey pre-
ferred to tak e a ‘sh ortcu t’. Now ban k s
wen t to th e n on creditworth y people
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
an d gave th em loan s. Th e people ex-
pectedly defau lted an d th e en tire sys-
tem collapsed.
Now lik e Toyota western com pa-
n ies will learn to fin d n ew m ark ets.
Th ey will n ow lean towards In dia be-
cau se of its com m on m an ! Th e billion
plu s popu lation in th e n ext 25 years
wil l b ecom e, a c on su m i n g m i d d le-
class. Fin ally, th e world’s attention will
sh ift to th e developin g world. Fin ally,
th ere will be a real su r ge in in com e of
th ese people an d in th e n ext fifty odd
years, on e can really h ope to see an
equ al world in term s of m aterial plen -
ty, with poverty bein g alm ost n on ex-
isten t! And this will happen n ot by sell-
in g m ore cars to Am erican s an d Eu ro-
pean s. It will h appen by creatin g m ar -
k ets in India, Ch ina, Latin Am erica and
Africa, by givin g th eir people pu rch as-
in g power an d by m ak in g produ cts for
them .
Th e recession h as m ade u s realize
th at it is n ot becau se of worse m an -
agem en t t ech n iqu es, bu t b ecau se of
lim its to growth . An d th ey will realize
th at it is great for plan et earth . After
all, h ow m an y cars an d h ou ses m u st
th e rich own before callin g it en ou gh ?
It’s tim e for th em to look at oth ers as
well. Man y years back , to in crease h is
own profits, Hen ry Ford h ad started
payin g h is work ers m ore, so th at th ey
cou ld bu y h is cars. In sim ilar fash ion ,
n ow th e developed world will pay th e
developin g world people so th at th ey
can bu y th eir cars an d wash in g m a-
ch in es.
The recession will k ick -start the pro-
cess of m ak in g the en tire world m ore
prosperous, an d lay th e fou n dation of
lim its to growth in the west an d th e
fou n dation of real globalization in th e
world – of the globalization of prosper -
ity. An d on e of its first ben eficiaries will
be In dia.
123. Wh at does th e au th or m ean by
th e “Righ t Step” in th e passage ?
(1) Givin g loan s to creditworth y
people on ly
(2) Con sideri n g m ark et gr owth
alon g with en viron m en t pro-
tection .
(3) Restrictin g people to bu y only
su ch p r od u ct s w h i ch ar e
n eeded by th em .
(4) To start look in g at n ewer av-
en u es an d m ark ets.
(5) Non e of th ese
COMPREHENSION TEST
124. Alt h ou gh adm ired sin ce years,
wh y did th e scepticism over th e
Japan ese management style start
sin ce th e last decade?
(1 ) J ap an ese com p an i es h ave
been moving ou t of their home
m ar k et s si n ce t h e l ast d e-
cade.
(2) J apan ese ban k s h ave provid-
ed loan s in discrim in ately to
th e credit worth y as wel l as
n on creditworth y people.
(3 ) Becau se J apan ese m ark ets
h ave b een goin g th rou gh a
period of con t in u ou s r eces-
sion sin ce th e last decade.
(4) Th e u n lim ited growth of th e
J apan ese m ark ets h as com e
at t h e cost of t h e west er n
m ark et.
(5) Non e of th ese
125. Wh y does th e au th or foresee th e
m ark ets bein g created in th e de-
vel op i n g cou n t r i es i n st ead of
Am erica an d Eu rope ?
(1) All developin g cou n tries have
m aterialistic cu ltu re.
(2) Developed cou n tries are will-
i n g t o m a k e an ef f or t t o
ach ieve globalization .
(3) Am erican and Eu ropean mar -
k ets h ave h ad a large n u m -
ber of credit defau lters.
(4) Recession h as not h it the mar -
k ets of developin g cou n tries
yet.
(5) Non e of th ese
126. Accordin g to th e au th or, wh at is
th e m ain cau se of J apan ese re-
cession ?
(1) Only a h andfu l of corporations
earn ed pr ofi ts an d n ot t h e
people in gen eral.
(2) Non creditworth y people de-
fau lted which led to a collapse
of th e en tire system .
(3) Con su m ers were sold n ewer
produ cts wh ich were sim ilar
in qu ality to th e existing ones.
(4) J apan ese d o n ot pu rch ase
endlessly and thu s when prod-
u cts h ad been sold to every
cu stom er, the m ark ets slowed
down .
(5) Non e of th ese
127. How does th e au th or foresee th e
fu tu re globalization as an an alo-
gy to Hen ry Ford’s exam ple ?
(A) Car com pan ies wou ld start
sel l i n g car s i n d evel op i n g
cou n tries as well.
-221-

(B) By paying the developing world
th e developed world wou ld in-
crease its own profit, in tu rn
bringing afflu en ce to develop-
in g world as well.
(C) To earn profit, th e com pan ies
in developing cou ntries wou ld
m ove to foreign lan d.
(1) On ly A (2) On ly B
(3) On ly C (4) On ly A an d C
(5) Non e of th ese
128. Accordin g to th e passage, wh ich
of th e followin g was NOT an ef-
fect of providin g loan s an d cred-
its to th e cu stom ers ?
(A) Th e n on creditworth y people
defau lted.
(B) People bou gh t n ew produ cts
wh ich were n ot n eeded.
(C) Poverty becam e n on -existent.
(1) On lyA
(2) On ly B
(3) On ly A an d B
(4) On ly B an d C
(5) On ly C
129. Wh y is recession th e begin n in g
of good n ews for In dia in th e au -
th or’s view ?
(A) In dia can provide an attrac-
t i ve m ar k et t o th e west er n
com pan ies.
(B) lndia has rem ained largely u n-
affected by recession owin g
to its h u ge popu lation .
(C) In d i an s k eep p u r ch asi n g
p r o d u c t s d es p i t e o w n i n g
equ ally good produ cts.
(1) On ly C (2) On ly B
(3) On ly A (4) On ly B an d C
(5) Non e of th ese
130. Wh at does th e au th or m ean by
‘Du stbin isation’of th e cu stom er?
(1) Con vin cin g th e cu stom er to
buy products he does not need.
(2) Den yin g th e n on creditwor -
th y people of an y loan s.
(3) Den ying m ore loan s to people
who h ave already tak en loan s
to a logical lim it.
(4) Movin g from old cu stom ers at
th e h om e m ark et to foreign
m ark ets.
(5) Non e of th ese
131. Wh y accordin g to th e au th or is
th e cu r ren t recession gr eat for
‘Plan et Earth ’?
(A) It will m ak e people n on -m a-
terialistic lik e th e J apan ese.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(B) Th e u n lim ited m ark et growth
wh ich cau sed h azards to th e
en v i r on m en t w ou l d b e
ch eck ed to a certain exten t.
(C) Ban k s will n ow provide loan s
on ly to th e creditworth y peo-
pl e.
(D) Developing cou ntries will also
be ben efited by sh ifted m ar -
k ets.
(1) On ly A (2) On ly B an d D
(3) On ly A an d B
(4) On ly B (5) Non e of th ese
Di r ect i on s (1 3 2 –1 4 0 ) : Read th e
following passage carefu lly and answer
th e qu estion s given below it. Certain
words are prin ted in bol d to h elp you
locate th em wh ile an swerin g som e of
th e qu estion s.
(An dh r a Bank PO Exam . 05.07.2009)
Capitalism is a great slave, bu t a
path etic m aster. Th is tru th u n fortu -
n ately gets lost in ou r ch ase for th e
el u si v e d ream ..... especially in t h e
West, th e lan d th at h as been m ark et-
ed as th e lan d of dream s – th e great
Wester n dream . It’s th e dream of be-
in g in depen den t m asters of ou r lives,
of m ak in g big bu ck s an d of bein g h ap-
py – even if th at h appin ess is bein g
bou gh t by m on ey wh ich all of th em
ch ase ou t th ere. No dou bt, th e West,
on its part, h as been fairly su ccessfu l
in creatin g m aterial com forts a plen ty.
It h as im proved th e livin g stan dard of
its average citizen . However it has been
ach ieved as a resu lt of m ore th an 200
years of u n br i dl ed growth an d exploi-
tation . An d th at is wh at h as m ade th e
r est of th e worl d m i n d l essl y c h ase
Wester nism , not necessarily h appiness
or an ideal form of society. All becau se
th e sh op win dow look s very im pres-
si ve an d it h as b een m ark eted very
well.
Bu t a deep look in side th e sh op
tells a differen t tale. A differen t world
lies beh in d, a world th at is n ot qu ite
visible to th e starry eyed m illion s– for
wh om th e Wester n way of life seem s
to be th e u ltim ate dream .
Th u s, we h ave In dian s dream in g
to becom e or to get m arried to an NRI
an d Indian m iddle class fathers dream-
in g of th eir son s reach in g th e Bay area
an d landin g tech jobs, u n mindfu l of the
secon d class life th ey en d u p leadin g
in th e West. Wh at goes u n seen an d
alm ost u n h eard is th at th e West also
h appen s to be th e lan d th at is righ t
COMPREHENSION TEST
am on gst th e top in term s of th e n u m -
ber of divorces per thou sand, the n u m -
ber of sin gle paren t fam ilies per th ou -
san d, th e n u m ber of old people in old
age h om es, th e n u m ber of su i cides,
h om icides, an d of cou rse, th e n u m ber
of college/ sch ool sh ootou ts.
An d wh y n ot! After all, su ch soci-
eti es ar e con st an t ly d r iven t oward s
higher profits and materialism. Expect-
edly, th is m aterialism com es at a cost
th at th e world is payin g today. Th is is
th e reason wh y we h ave m illion s dyin g
of cu rable diseases in Africa an d oth er
u n derdeveloped cou n tries, wh ile th e
rich grow rich er. Th eir growth will be
redu ced, if th ey were to start th in k in g
of th e poor. So wh at do th ey do to ju s-
tify th eir greed for m ore ? Th ey m ost
sh r ewdl y propagate an d m ark et a ri-
dicu lou sly prim itive law of th e ju n gle
for ou r 21st cen tu ry civilian , th e ‘Law
of Su rvival of th e Fittest’!
Th e in terestin g th in g abou t m ate-
rial things is that th ey on ly give an illu -
sion of h appin ess; h owever su ch h ap-
piness is always m om en t ary in natu re.
Ergo, at th is ju n ctu re, you feel you are
th e h appiest person in th e world, af-
ter bu yin g you r n ew car or flat screen
TV, an d j u st a few days lat er, th ese
are th e very possession s th at cease to
m ak e you h appy. Wh ile you ch ase th e
bigger car an d spen d th at extra bit of
th e wealth , you in tercept som eon e’s
sh are of th e daily bread an d also sac-
rifice th ose wh o h ave th e m axim u m
power t o m ak e you h ap py – fam i ly,
em oti on s an d love. Prolon ged absti-
n en ce in feelin g em otion s fin ally de-
stroys bliss; an d you don ’t even real-
ize wh en you ’h ave becom e a dry-eyed
cripple..... an d th en you lan d u p in a
serm on work sh op to fin d ou t th e real
m ean i n g of l i fe– or wh at ever t h ese
work sh ops are capable of explain in g.
Th e tru th is th at su ch work sh ops are
also driven by m erch an ts wh o cash in
on th e dej ect ed state of th e people, a
state creat ed by t h eir own fi ct ion al
dream s. Bu t by th en it’s really too late.
By th en , you h ave m ade profits ou t
of arm s, an d en gin eered wars to k eep
th at in du stry alive. You ’ve sold gu n s
across cou n ters at su perm ark ets an d
m ade m ore profits. You ’ve lobbied th at
gu ns sh ou ld be m ade accessible to th e
com m on m an , an d all for th e sak e of
profits. Th is mak es you realize one day
th at th ey are you r own ch ildren wh o
are in the lin e of fire again st th e school
goer who opens fire at h is sch oolm ates.
-222-

Th is is th e society th at fin ally cre-
ates an em otionless mon ster, wh o gets
satisfaction in k illin g in n ocen t adu lts
and children alik e for n o cau se, no rea-
son an d for n on e, for h im self. It is th e
u tter destru ction of spiritu alism an d
th e total focu s on en dless self-gratifi-
cation . Wh ere so m an y sin gle paren t
fam ilies an d divorces exist, it is im -
possible to brin g u p ch ildren or in flu -
en ce th e k illers, an y better.
132. Who does the au thor hold respon-
si ble for th e sh ootin g sp ree in
sch ools an d colleges ?
(A) Lack of love an d em otion in
th e society in gen eral.
(B) In creased focu s on self-grat-
ification even wh en it com es
at th e cost of in n ocen t lives.
(C) Deterioratin g social stru ctu re
leadin g to break u p of fam i-
lies resu ltin g in lack of m oral
developm en t in ch ildren .
(1) On ly A
(2) On ly C
(3) On ly B an d C
(4) All of th ese
(5) Non e of th ese
133. Wh y does th e au th or refer to th e
law of su rvival of th e fittest as
ridicu lou s ?
(1) This law is primitive and holds
good for developed n ation s
(2) Th i s p r i m i t i ve l aw i s oft en
u sed to ju stify the accu mu la-
tion of wealth by a selected
few
(3) People from developin g cou n -
tries u se it to ration alize th eir
im m igration t o th e Wester n
cou n tries
(4) It does n ot lead to an y m ate-
r i a l p r of i t s an d m a t er i a l
wealth
(5) Non e of th ese
134. Accordin g to th e passage, wh ich
of th e followin g is a reason for
poverty an d h u n ger in u n derde-
veloped cou n tries ?
(A) Min dlessly chasing th e West-
ern way of livin g.
(B) Th ey h ave fallen prey to th e
i dea of h ap pi n ess th rou gh
material comforts rather th an
love an d em otion al bon d.
(C) Th ey do n ot h ave m ark etin g
t ech n iqu es as good as th e
western cou n tries.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(1) Only (B)
(2) On ly (C)
(3) On ly (A)
(4) On ly (B) an d (C)
(5) Non m en tioned in the passage
135. Wh y do th e ‘starry eyed m illion s’
h ar b ou r a wi sh to becom e an
NRI ?
(A) They are driven towards high-
er profits an d m aterialism .
(B) Th ey appreciate th e western
way of life as it appears to
them .
(C) Th ey h ave becom e em otion -
less an d h ave lost any attach-
m en t to th e m oth erlan d.
(1) On ly (A)
(2) Only (B)
(3) On ly (A) an d (B)
(4) Only (C)
(5) All (A), (B) an d (C)
136. Wh y does th e au th or disregard
th e Wester n way of livin g even
th ou gh an average citizen in th e
West en joys bett er l ivin g st an -
dards ?
(1) M an y In d i an s wan t t o ap e
their lifestyle leading to a cu l-
tu ral dilu tion of their own tra-
ditions
(2) Th e West h ads failed to m ar -
k et, th eir lifestyle in an ap-
propriate way
(3) Accordin g to h im th e law of
‘su rvival of th e fittest’is n ow
obsolete
(4) It on ly look s forward to mate-
rial com fort rath er th an h ap-
pin ess with in
(5) Non e of th ese
137. Wh at does th e au th or m ean by
‘in terceptin g som eon e’s sh are of
daily bread’?
(1) Hindering the process of mar -
k et i n g i n u n d er d evel op ed
cou n t ries by th e developed
cou n tries
(2) Den yin g m aterial com fort to
th e Wester n world
(3) Affect i n g t h e soci al l i fe of
th ose work in g towards m a-
terial comforts on ly
(4) Excess of wealth in western
world wh ile people in poorer
n ation s stru ggle for su rvival
(5) Non e of th ese
COMPREHENSION TEST
138. Wh at does th e au th or m ean by
‘sh op win dow of th e West’wh en
h e su ggests to look i n sid e t h e
sh op ?
(A) Th e sprawlin g su per mark ets
h ave been m ak in g profits ou t
of in h u man activities.
(B) To look closely at th e exist-
in g societal stru ctu re rath er
th an su perficially appreciat-
in g th e delu sive dazzle.
(C) To st u d y t h ei r m ar k et i n g
tech n iqu es closely.
(1) On ly A
(2) On ly B
(3) On ly A an d B
(4) On ly B an d C
(5) On ly C
139. Th e au th or’s m ain objecti ve in
writin g th e passage is
(1) to explain th at con su m erist
so ci et i es h a ve t h ei r o w n
drawback s wh i ch are over -
l ook ed b y t h ose wh o ar e
blin ded by its m aterial glare
(2) to explain h ow too m an y ma-
terial comforts h ave improved
th e livin g stan dard of com -
m on m an in th e west
(3) th at you n g ch ildren sh ou ld
n ot be given access to gu n s
and oth er am mu nition s
(4) All NRIs are leadin g u nm ind-
fu l, secon d class lives abroad
(5) Non e of th ese
140. Wh ich of th e followin g is n ot t r ue
accordin g to th e passage ?
(1) Over in du lgen ce in accu m u -
lating material wealth has led
to m an y problem s on th e so-
cial an d em otion al fron ts
(2) People sh ou ld visit th e ser -
m on s m ore often sin ce th is
i s th e on ly way t o ach i eve
peace an d h appin ess
(3) For th e sak e of m ak in g prof-
its, people h ave tak en deci-
sion s wh ich h ave proved to
be h arm fu l to th e society.
(4) Th ere are plen ty of m aterial
comforts in the Western cou n-
tr ies.
(5) Non e of th ese
Di r ect i on s (1 4 1 –1 4 8 ) : Read th e
following passage carefu lly and answer
th e qu estion s given below it. Certain
words/ ph rases h ave been prin ted in
bol d to h elp you locate th em wh ile an -
swerin g som e of th e qu estion s.
(PNB Speci al i st Of f i cer 's
Exam . 1 6. 0 8. 2 0 09 )
-223-

Despite th e global slowdown , th e
on lin e shoppin g in India has in creased.
Th e growin g pace of on lin e bu yin g is
becau se of th e at t r act i v e discou n ted
prices offered and the ability of th e cu s-
tom ers to research an d com pare th e
prices across several ou tlets.
Th e average frequ en cy of on li n e
pu rch ases in In dia grew u p to 2.9 in
th e fou rth qu arter of 2008 from 2.6
du rin g th e sam e qu arter in 2007, as
reported by th e su rvey of Master Card
Worldwide :
“Th e econ om ic m eltdown h as n ot
affected ou r bu sin ess,” said th e CEO
of an e-com m erce portal wh ich spe-
cializes in person alised gifting and m er -
ch an dise space in In dia. He said; “Ou r
bu siness h as increased u p to five times
th is year despite th e econ om ic reces-
sion . Cu rren tly, we possess a database
of 25,000 design s posted by a th ou -
san d design ers so th at th e u sers can
create th eir own m erch an dise by se-
lectin g th e design s sittin g at h om e.”
Th e CEO also said th at with th e
r i se in ban dwidth pen etration in India
an d t h e i n cr ea si n g aw ar en ess of
internet among people, the on line shop-
pers sen se th e con ven ien ce to click on
th e produ cts th ey wan t to pu rch ase.
Holding onto a similar con v i ct i on ,
th e CEO of an oth er Com p an y sai d,
“With th e con ven ien ce of on lin e bu y-
in g, cu stomers can save th eir tim e an d
m oney to m ove across m u ltiple ou tlets
for a produ ct.”
Th e onlin e shoppers also plan their
sh oppin g in advan ce an d con du ct re-
search on th eir plan n ed pu rch ases. It
becom es easier for th e cu stom ers to
decide th e price at wh ich th ey wan t
th e pr odu cts. Sh ar in g views on th is
poin t, th e Man ager of th e e-com m erce
portal says, “Th rou gh th e on line shop-
pin g, cu stom ers can attain th e objec-
tive of v al u e for m on ey du rin g th ese
t ough tim es.”
Today, In dia is th e on ly cou n try
wh ere th e 18 to 29 years age grou p
h as t h e h i gh est aver age sp en d on
on lin e sh oppin g. In In dia, th e popu lar
onlin e pu rchases in clu de the h om e ap-
pliances and the electronic gadgets lik e
cell ph on es, cam era, laptops an d so
on. According to the su rvey, th e ‘e-pu r -
ch asing of electronic produ cts has gone
u p by 51 per cen t.
So to dr i v e th ese on lin e sh oppers,
e-comm erce portals are adoptin g a net-
work in g cu ltu re by in corporatin g ‘so-
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
ci al n et w o r k i n g f ea t u r e’ i n t h ei r
websites, so th at people can discu ss
with th eir frien ds an d relatives before
bu yin g “th e particu lar produ ct. Th ere
are m ore start u ps, wh o are i n n ov at -
i n g their produ cts to combat slowdown,
141. Wh at does th e ph rase ‘v al u e for
m on ey ’ as u sed in th e passage
m ean ?
(1) Get th e best at optim u m price
(2) B u y t h e ch eap est p ossi b l e
produ ct
(3) Pay a lot for th e best produ ct
(4) Get a lot of m on ey in retu rn
for th e pu rch ase
(5) Non e of th ese
142. Which of th e following statemen ts
is Not Tru e in th e con text of th e
passage ?
(1) Pu r ch ases on l i n e h ave i n -
creased as th e people bu yin g
th ese produ cts are rich
(2) On lin e bu yin g h as in creased
becau se cu stom ers are get-
tin g a lot of discou n ts
(3) Cu stom ers h ave access to a
n u m ber of ou tlets on line thu s
on lin e bu yin g is m ore popu -
lar
(4) On l i n e p u r ch ases h ave in -
creased becau se th e cu stom -
ers are able to compare prices
easily
(5) All of th e above are n ot tru e
143. Wh at accordin g to th e CEO of e-
com merce portal is the reason for
in crease in th e n u m ber of on lin e
sh oppers ?
(A) Gr eat er b an d wi d t h i s n ow
available in In dia.
(B) In tern et is available at a cheap
cost.
(C) More people are aware of th e
in tern et.
(1) On ly (A) an d (B)
(2) On ly (B) (3) On ly (C)
(4) On ly (B) an d (C)
(5) On ly (A) an d (C)
144. Which of th e following statemen ts
is Tru e in th e con text of th e pas-
sage ?
(1) Cam eras, laptops an d m obile
p h on es are p op u l ar on l i n e
sh oppin g produ cts
(2) Cu stom ers fin d on lin e sh op-
pin g m ore con ven ien t
(3) More people in th e age grou p
of 18 to 29 spen d on on lin e
sh opping
COMPREHENSION TEST
(4) Hom e applian ces are a popu -
lar on line produ ct
(5) All th e above are tru e
145. How can cu st om er s p lan th eir
pu rch ases on lin e in advan ce ?
(1) By look in g at th e produ ct in a
store an d th en search in g for
it onlin e
(2) By waitin g for discou n ts be-
in g offered by com pan ies
(3) By creating th eir own websites
and socially in teractin g
(4) By con du ctin g research an d
t h en d eci d i n g t h e p r i ce at
wh ich th ey wan t to bu y
(5) Non e of th ese
146. Wh at can possibly be th e m ost
appropriate title to th e passage ?
(1) In n ovation -th e art of su rvival
(2) On lin e sh oppin g -u n affected
by recession
(3) Recession an d its im pact
(4) Cu stom er is k in g
(5) Sale of Electron ic Goods
147. Which of th e following statemen ts
is tru e in th e con text of th e pas-
sage ?
(A) People m ak e pu rch ases on ly
th rou gh e-com m erce portals.
(B) On lin e bu yin g of electron ic
gadgets h as in creased by 51
per cen t.
(C) E-com m erce portals are fin d-
i n g i t d iffi cu lt t o sel l t h ei r
produ cts.
(1) On ly (A) (2) On ly (B)
(3) On ly (A) an d (C)
(4) On ly (B) an d (C)
(5) All th e th ree (A), (B) an d (C)
148. How are e-com merce portals lu r -
in g cu stom ers ?
(1) By in n ovating th eir produ cts
(2) By offerin g free produ cts with
oth er produ cts bou gh t
(3 ) B y cr eat i n g an awar en ess
abou t social n etwork in g
(4 ) B y en ab l i n g c u s t o m er s
th rou gh th eir website to in -
teract with frien ds an d rela-
tives before bu ying a produ ct.
(5) Non e of th ese
Di r ec t i on s (1 4 9 –1 5 7 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer t h e qu estion given below it . Cer -
tain word s h ave been prin ted in bo l d
to h elp you locate th em wh ile an swer -
in g som e of th e qu est ion s.
(Cor porat i on Ban k PO
Exam . 22.11.2009)
-224-

Th e edu cati on sect or in In d ia is
in ferm en t, h it by a stor m l on g wai t-
i n g t o h ap p en . Th e b u t t er fl y t h at
fl app ed its win gs was th e m u ch -rei t-
erated statem en t in a m u ch pu blicised
repor t th at h ar dly a fou r th of grad u -
at in g en gin eers, an d an even sm all er
percen tage of oth er gr adu ates, was of
em ployab le qu ality for IT -B PO job s.
Th is t r i gger ed a cy c l on e wh en sim i-
lar views were ech oed by ot h er sec-
tors wh i ch l ed to wid esp read debat e.
In creased in du stry-academ ia in terac-
tion , “fin ish in g sch ools”, an d oth er ef-
forts were in itiated as im m ediate m ea-
su r es to br i dge sk il l d eficits. Th ese,
h owever, d id n ot work as som e felt
th at th ese are bu t ban d-aid solu tion s;
i n stead , r ad i cal syst em ic r eform i s
n ecessary.
Yet , t h er e wil l b e seri ou s ch al -
len ges to overd u e r eform s in th e ed u -
cati on system . In In d ia-as i n m an y
cou n tr i es-ed u cati on i s t reat ed as a
h ol y cow; sad l y, t h e adm in i st r at ive
system th at oversees i t h as also been
deceived. Tod ay, u n fortu n ately, th ere
is n o pr otest again st selli n g dri n k i n g
water or payin g to be cu red of ill n ess,
or for h avin g t o bu y food wh en on e is
poor an d starvin g; n or is th ere an ou t-
cr y t h at in all th ese cases th er e are
com m ercial com pan ies operatin g on a
profit-mak ing basis. Why then, is th ere
an in stin ctively adverse reaction to th e
for m al en try of ‘for -profit’in stitu tes in
th e r eal m of edu cat ion ? Is potab le
wat er, h eal t h or food , l ess b asi c a
n eed , l ess i m p or t an t a r i gh t , t h an
h i gh er ed u cation ?
While there are strong argu m ents
for free or su b sid ised h igh er edu ca-
ti on , we ar e n ot wr i t i n g on a bl an k
page. Som e in dividu als an d bu siness-
m en h ad en t er ed t h i s sect or l on g
back an d fou n d devi ou s ways of mak -
in g m on ey, th ou gh th e law stip u lates
th at edu cation al in sti tu t es m u st be
‘n ot-for -profit’tru sts or societies. Yet,
t h er e i s op p osi t i on t o t h e en t r y of
‘for -p rofi t ’ cor op rat es, wh i ch wou l d
b e m or e t r an spar en t an d accou n t -
ab le. As a r esu lt, desper ately n eed ed
in vest m en t in pr om ot i n g t h e wid er
reach of qu ali ty edu cati on h as been
stagn ated at a tim e when finan cial fig-
u res i n d i cat e th at t h e al locat ion of
fu n ds for t h e p u rpose i s bu t a fou r th
of th e n eed.
Well-ru n corporate organ isations,
w i t h i n a n ap p r op r i at e r egu l at or y
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
fr am ewor k , wou ld b e far bet ter th an
t h e so-cal l ed t r u st s wh i ch -b ar r i n g
som e n ot ew o r t h y ex cep t ion s-ar e a
bl ot on edu cati on . However, it i s n ot
n ecessarily a qu estion of choosin g on e
o v er the o t h er : d i f f er en t
or gan isation al for m s can coexist, as
th ey do i n t h e h eal th sector. A regu -
lat ory fram ework wh ich creates com -
petition , in tan dem with a r atin g sys-
tem , wou ld au t om at ically en su r e t h e
qu ality and relevance of edu cation . As
in sectors lik e telecom , and pack aged
goods, or gan isation s will qu ick l y ex-
pan d in t o t h e h in t erl an d to tap t h e
l ar ge u n m et d em an d . E asy L oan /
sch ol arsh ip arr an gem en ts wou l d en -
su re affordabil ity an d access.
The on ly real strcu tu ral reform in
h i gh er edu cation was th e creati on of
th e in stitu tes for techn ology an d man-
agem en t . Th ey wer e al so gi ven au -
ton om y an d freedom beyon d th at of
th e u n iversiti es. However, in th e last
few year s, d et er m i n ed effor t s h ave
b een u n d er w ay t o cu r b t h ei r au -
t on om y. Th ese i n st i t u t es, h owever,
n eed fr eed om t o d eci d e on r ecr u it -
m en t, salaries an d adm i ssion s, so as
to com pete globally.
However, su ch in st itu tes wi ll be
few. Th erefore, we n eed a regu l atory
fr am ework th at wil l en ab le an d en -
cou rage States an d th e Cen t re, gen u -
i n e p h i l an t h r op i st s an d al so
corp orates t o set u p qu al ity ed u ca-
tion al institu tion s. The regu latory sys-
tem n eeds on ly to en su re tran spar -
en cy, accou n tability, com petition an d
widely-avai lable i n depen d en t assess-
m en ts or ratin gs. It is tim e for rad i-
cal thin k ing, bold experimentation and
n ew stru ct u res; it is t im e for th e gov-
ern m en t to bit e th e bu ll et.
1 4 9. Why, accordin g to th e au thor, did
th e i n iti ati ves su ch as i n cr eased
in du st ry-academ i a an d fin i sh i n g
sch ools di d n ot h elp to bridge th e
sk ill deficit ?
(A) Th ese steps were on ly su per -
ficial rem edies an d th e prob-
lem cou l d b e an swered on ly
by refor m in g t h e en t ire ed u -
cation system .
(B) Th ese in i tiatives op erated on
a profit -m ak in g b asi s r ath er
th an aim in g at an y seriou s
system ic reform s.
(C) Th e al l ocat i on of fu n d s of
su ch in itiatives was on ly one-
fou rt h of t h e n eed.
COMPREHENSION TEST
(1) On ly A (2) On l y B
(3) On ly B an d C (4)
On ly A an d B
(5) Non e of th ese
1 5 0 . Wh ich of th e followin g su gges-
ti on s h ave b een m ad e b y th e au -
th or to i m pr ove th e state of ed u -
cation in In dia ?
(A) A l l o w i n g t h e c o r p o r a t e
or gan i sat i on s t o en t er t h e
ed u cation sector.
(B) Easy availability of loans an d
sch olarsh ips for mak ing edu -
cation m ore afford abl e.
(C) A r ati n g syst em for all th e
organ isation s to en su re qu al-
ity.
(1) On ly A
(2) On ly A an d B
(3) On ly A an d C
(4) Al l A, B an d C
(5) Non e of th ese
1 5 1 . Accordin g t o t h e au t h or, wh at
‘t r i gger ed a cy c l on e’wh ich saw
si m il ar views on th e stat e of ed u -
cation b ein g ech oed across oth er
sectors as wel l ?
(1) Th e cam p ai gn for al l ow i n g
corp orates i n t h e ed u cati on
sector on a ‘for -p rofit’basis
(2) Th e su pp ort for t h e in crease
in th e i n du str y-acad em i a i n -
teraction
(3) Th e rep or t m en ti on i n g t h at
on l y a sm al l p er cen t age of
gradu ates were employable in
software in d u st ry
(4) Th e report su pportin g th e idea
of mak in g th e edu cation com -
pl etely ‘for -p rofi t’in ord er to
im prove u pon th e stan dar ds
(5) Non e of th ese
1 52 . Wh ich argu men t does th e au th or
pu t for ward wh en h e com p ar es
th e edu cation sect or with sectors
cat er i n g t o h eal t h an d p ot ab l e
water etc. ?
(1) Edu cation shou ld also be pro-
vi d ed fr ee of cost t o al l as
h ealt h services an d wat er
(2) Tak in g an exam ple from th ese
sectors, th ere shou ld be a pro-
test again st th e com m ercial i-
sation of ed u cation as well
(3) All owi n g cor por at e en tr y i n
ed u cat i on wou l d r esu l t i n
ram pan t cor ru p tion as i n t h e
sectors of h eal th an d potab le
water et c.
-225-

(4) As in th ese sectors, com m er -
cial organ isation s sh ou ld also
be al lowed to en t er th e ed u -
cation sect or
(5) Non e of th ese
1 5 3 . Wh at does t h e au t h or m ean by
th e p h rase ‘we ar e n o t w r i t i n g
on a bl an k page’in con text of th e
passage ?
(1) Corporates wou ld n ever en ter
ed u cation i f t h ey ar e forced
t o fu n ct i on on a n on -p r ofi t
m ak in g basis
(2) Th e comm ercialisation of edu -
cation h as already st art ed in
India
(3) Ed u cation h as b een redu ced
to a profit m ak in g sect or by
som e corporate organ isation s
(4) Gover n m en t wi l l n ot al l ow
corporates to en ter edu cation
as In dia can ’t afford to h ave
costly edu cation
(5) Non e of th ese
1 5 4 . Wh at is th e au th or’s m ain objec-
ti ve in wri tin g th e p assage ?
(1) To su ggest th e ways t o im -
pr ove qu ali ty of edu cati on in
India
(2) To h i gh l i gh t t h e corr u pt ion
pr esen t in th e edu cat ion sec-
tor
(3) To com pare th e edu cation sec-
tor with ot h er sectors
(4) To su ggest som e t em porary
solu t ion s t o t h e problem s in
edu cation
(5) Non e of th ese
1 5 5 . Accor din g to th e au th or, wh i ch
of th e followin g was t h e on ly st ep
tak en in order to reform the h igher
edu cation ?
(1) All owin g organ isation s to en -
ter t h e edu cati on sector on a
‘for -p rofit’basis
(2) Creation of au tonom ou s insti-
t u t es for m an agem en t an d
t ech n ol ogy wh i ch wer e n ot
u n d er u n i versit y con t rol
(3) Set t i n g u p t h e r egu l at or y
fr am work for al l t h e exi sti n g
u n iversities
(4) Mak in g th e availability of edu -
cati on al l oan s an d sch olar -
sh ips easi er
(5) Non e of th ese
1 5 6 . Wh ich su ggestion d oes th e au -
th or m ak e in or der to m ak e t h e
in sti tu tes of h igh er lear n in g for
tech n ology an d m an agem en t ca-
pable of com pet in g gl obally ?
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(1) To lim it th eir au ton om y to ac-
ceptable lim it an d give partial
con tr ols to th e gover n m en t
(2) To al low corporat e organ isa-
ti on s to tak e t h em over i n or -
der t o p rivide m ore fu n ds
(3) To in crease th e al locati on of
fu n ds to su ch i n sti tu t es
(4) To pr ovi de freedom t o d eci de
on recru itm en t , salaries an d
adm ission s
(5) Non e of th ese
15 7. Which of the following is n ot t r ue
in con tex t of t h e given p assage ?
(1) Accor din g t o t h e law, edu ca-
ti on in stit u tes sh ou l d n ot be
ru n for p rofit
(2) Th er e h as b een n o p r ot est
again st th e sel lin g of d rin k -
in g water an d payin g for t h e
h ealth services
(3) On ly eit h er cor por ate or gan i-
sat ion s or govern m en t con -
tr oll ed organ isati on s can ex-
ist i n th e edu cati on sect or
(4) Th e in trodu ction of ‘for -profit’
corp orates i n t h e ed u cati on
sector h as been faci n g a l ot
of cri tici sm
(5) Al l ar e tr u e
Di r ect i on s (1 5 8–16 7 ) : Read fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it. Certain
word s h ave been p rin ted in bol d t o
h elp you locate th em wh ile an swerin g
som e of th e qu estion s.
(I n di an Ban k Rur al M ar k et i n g Of f i cer
Ex am . 22. 11.20 09)
“We h ave al w ay s k n own t h at
h eedl ess self-in terest was bad m orals.
We n ow k n ow th at it is bad econ om -
ics,” said Am erican Presiden t Fran k lin
D. Roosevelt in 1937 in th e m idst of
th e Great Depression . An d th e world
h as lear n t th at en l i gh t en ed self-in ter -
est is good econ om ics all over again
aft er t h e Gr eat Recessi on of 2 0 0 9 .
Am erican s are en terin g a period of so-
cial ch an ge as th ey are recalibratin g
th eir sen se of wh at it m ean s to be a
citizen , n ot ju st th rou gh votin g or vol-
u nteerin g bu t also th rou gh comm erce.
Th ere is a n ew dim en sion to civic du ty
that is growing am ong Am erican s – th e
idea th at th ey can serve n ot on ly by
spen d i n g ti m e in com m u n i ti es an d
classroom s bu t by spen din g m ore re-
sp on si b l y. In sh or t , Am er i can s ar e
begin n in g to pu t th eir m on ey wh ere
th eir i deal s are.
COMPREHENSION TEST
In a recen t poll m ost said th ey
h ad con sciou sly su p port ed l ocal or
sm all n eigh bou rh ood bu sin esses an d
40 percen t said th at th ey h ad pu r -
ch ased a produ ct becau se th ey lik ed
th e social or political valu es of the com-
pan y t h at pr od u ced i t. Peopl e were
alarmed abou t ‘blood diamon ds’m in ed
in war zon es an d u sed to fin an ce con -
flict in Africa. Th ey were also willin g to
pay $2000 m ore for a car th at gets 35
m iles per gallon th an for on e th at gives
less, thou gh th e form er is m ore expen -
si ve b u t en vi r on m en t fr i en d l y . Of
cou rse consu mers h ave don e th eir own
doing-well-by doing-good calcu lation –
a m ore expen sive car th at gives; bet-
ter m ileage will save th em m on ey in
the lon g ru n an d m ak es th em feel good
ab ou t p r ot ect i n g t h e en vi r on m en t .
Moreover sin ce 1995, th e n u m ber of
socially respon sible in vestm en t (SRI)
m u tu al fu n ds, wh ich gen erally avoid
bu yin g sh ares of com pan ies th at prof-
it from tobacco, oil or ch ild labou r h as
grown from 55 to 260. SRI fu n ds n ow
m an age approxim ately 11 percen t of
all th e m on ey in vested in th e US fi-
n an cial m ark ets -an estim ated $ 2.7
trillion . Th is is eviden ce of a ch an gin g
m indset in a n ation wh ose most icon ic
econ om ist Milton Friedm an wrote in
1970 th at a corporation ’s on ly m oral
respon sibility was to in crease sh are-
h older profits.
At first th e corporate stan ce was
defen sive: com pan ies were pu n ish ed
by con su mers for u n eth ical beh aviou r
su ch as discrimin atory labou r practic-
es. Th e n exu s of activist grou ps, con -
su m er s an d govern m en t regu l at ion
cou ld n ot m erely tarn ish a com pan y
bu t pu t it ou t of bu sin ess. Bu t corpo-
rat e Am erica qu ick ly d iscer n ed t h at
social respon sibility at t r act s in vest-
m en t capital as well as cu stom er loyal-
ty, cr eat in g a vir tu ou s cir cle. Som e
com pan ies qu ick ly em br aced th e n ew
eth os th at con su m ers boycotted prod-
u cts t h ey con sid er ed u n et h ical an d
oth ers pu rch ase produ cts in part be-
cau se th ei r m an u fact u r er s were r e-
spon sible. With global warm ing on th e
m in ds of m an y con su mers lots of com -
pan i es ar e r aci n g t o ‘ou t gr een ’each
ot h er. Th e m ost progressive com pa-
n ies are talk in g abou t a triple bottom
lin e-profit, p lan et an d people – th at
focu ses on how to ru n a bu sin ess wh ile
tryin g to im prove en viron m en tal an d
work er con dition s.
-226-

Th is is a time wh en th e only thing
th at h as su n k lower th an th e Am eri-
can pu blic’s opin ion of Con gress is its
opinion of bu siness. On e bu rn ing qu es-
tion is h ow m an y of th ese Corporate
Social Respon sibility (CSR) in itiatives
are ju st sh rewd m ark etin g to give com -
pan ies a h alo effect? After all on ly 8
per cen t of th e large Am erican corpo-
ration s go th rou gh th e trou ble of veri-
fyin g th eir CSR reports, wh ich m an y
con su m ers don ’t both er to read. An d
wh ile social respon sibility is on e way
for com pan ies to get back th eir repu -
tation s con su m ers too n eed to m ak e
eth ical ch oices.
158. Which of th e following represents
th e ch an ge/ s th at h as/ h ave oc-
cu rred in th e Am erican ou tlook ?
(A) Th e perception th at th e gov-
ern m en t n eeds to in vest re-
sou rces in bu si n ess rat h er
th an in edu cation .
(B) Loss of faith in American cor -
poration s as th ey do n ot dis-
bu rse th eir profits equ itably
am on g sh areh olders.
(C) Am ericans h ave cu t down on
th eir expen ditu re drastically
to in vest on ly in socially re-
spon sible mu tu al fu nds.
(1) Non e (2) On ly (C)
(3) On ly (A) an d (B)
(4) On ly (A) an d (C)
(5) All (A), (B) an d (C)
159. Wh i ch of t h e fol l owi n g i s/ ar e
T RUE in th e con text of th e pas-
sage ?
(C) Th e voter tu rnou t du ring th e
2009 American election s was
high.
(B) African diam on ds are h igh ly
valu ed by the Am erican pu b-
lic.
(C) American firms h ave to spend
vast am ou n ts on advertisin g
becau se activists cast asper -
sion s on th eir im ages.
(1) None (2) On ly (A)
(3) On ly (B) an d (C)
(4) Only (C)
(5) On ly (A) an d (C)
160. To what does the au th or attribu te
t h e con su m er s’ wi ll i n gn ess t o
pu r ch ase en viron m en t fr ien d ly
veh icles ?
(1) Au t o com p an ies sell t h ese
t yp es of veh i cl es at l ower
rates in order to boost sales
in tim es of recession .
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(2) The realisation that con su m -
ers’ greed cau sed th e eco-
n om ic recession of 2009.
(3) To sh ow t h eir su p p ort for
sm all en trepren eu rs wh o are
th e m an u factu rer s of su ch
veh icles.
(4) Th ey h ave t o com p l y wi t h
gover n m en t gu i d el in es r e-
gardin g redu ction of carbon
emissions.
(5) Non e of th ese
161. Which of th e followin g is th e cen -
tral idea of th e passage ?
(1) It i s b en efi cial to in vest i n
Am erican com pan ies as th ey
are socially respon sible an d
profitable
(2) Large corporations sh ou ld be
p en al ised b y t h e Am er i can
govern m en t for th eir greed
(3) Eth ical con su merism is prof-
itable for organisations as well
as society as a wh ole
(4) Com p an i es sh ou l d b e r e-
qu ired by law to accou n t for
th eir im pact on th e en viron -
m en t in th eir balan ce sh eet
(5) Developin g cou n tries sh ou ld
learn h ow to com bat ch ild la-
bou r from Am erica
162. Wh ich of th e followin g best de-
scr i b es t h e w i d esp r ead vi ew
am on g Am erican s abou t big cor -
poration s ?
(1) Th ey h ave been lax in fu lfill-
in g th eir m oral responsibility
of in creasin g profits an d ben -
efittin g sh areh olders
(2) Th ey are bein g too sever ely
pen alised by activists and th e
govern m en t for th eir role in
th e econ om ic crisis
(3) T h ei r i n n o va t i on s h a v e
brou gh t com m ercial su ccess
an d ben efi ted Am eri ca t re-
mendou sly
(4) Th ey n eed to be held accou nt-
able for th eir ru th less bu si-
n ess practices
(5) Th eir balan ce sheets are of-
t en frau d u len t an d deceive
shareholders
163. Wh at is th e au thor tryin g to con -
vey th rou gh th e ph rase ‘com pa-
n i es are raci n g t o out gr een each
ot h er ’?
(1) Th e com petition am on g com -
pan ies to boost th eir bottom
lin e – profit, plan et an d peo-
ple – is very stiff
COMPREHENSION TEST
(2) Th e con flict facin g bu sin ess-
es of wh eth er to ben efit th eir
sh areh olders or th e en viron -
ment
(3) Corporation s are vyin g with
each oth er to solicit in vest-
ment
(4) Companies are striving to find
t h e n ecessar y fu n d s t o fi -
n an ce t h ei r en v i r o n m en t
frien dly in itiatives
(5) Non e of th ese
164. Wh ich of the followin g factors h as
led to corporations adopting m ore
socially respon sible practices ?
(1) Th e desire to be labelled as
p r ogr essi ve b y t h e gover n -
ment
(2) Gu i lt over cau si n g t h e eco-
n om ic downtu rn
(3) High attrition rates as employ-
ees do n ot su pport th e com -
pan ies’practices
(4) Recogn ition of th e ch an gin g
dem an ds of cu stom ers
(5) Str ict p en alti es im posed by
govern m en ts again st com pa-
n ies with u n fair practices
165. Wh at can be in ferred from th e
statistics m en tion ed abou t SRI
m u tu al fu n ds in th e passage ?
(A) Th e percen tage of ch ild labou r -
ers h as fallen sin ce 1995.
(B) At present tobacco companies are
m ak in g h u ge losses.
(C) Th e govern m en t n eeds to regu -
late SRI m u tu al fu n ds as th ey
h an dle vast am ou n ts of fu n ds.
(1) Non e
(2) On ly (A)
(3) On ly (A) an d (B)
(4) On ly (C)
(5) On ly (B) an d (C)
166. Wh at is th e au th or’s view abou t
com p an i es, d ocu m en t at i on of
CSR in itiatives ?
(1) Sin ce it is n ot certified by th e
govern men t it can n ot be con -
sidered au th en tic
(2) It is the ideal way to earn cu s-
tom er loyalty an d set a good
exam ple for small bu sinesses
(3) It is a waste of tim e as n ei-
th er con su m ers n or com pa-
n ies both er to determ ine th eir
validity
(4) It sh ou ld be m an datorily in -
corporated in th e statem en t
of accou n ts of an y firm
(5) Non e of th ese
-227-

167. Which of the followin g can n ot be
said abou t sm all bu sin esses ?
(A) D u r in g th e r ecession th ei r
p r ofi t s h ave b een h i gh er
th an th ose m ade by big cor -
porates.
(B) Th ey adopt fair labou r prac-
tices and environmen t frien d-
ly m eth ods of produ ction .
(C) Th ey h ave m an aged to ac-
qu ire an in vestm en t of over
11 per cen t of Am erican cap-
ital.
(1) On ly (A) an d (C)
(2) On ly (C)
(3) All (A), (B) an d (C)
(4) On ly (B) (5) Non e of th ese
Di r ect i on s (1 6 8–1 7 7) : Read th e
following passage carefu lly and answer
th e qu estion s given below it. Certain
wor ds h ave been pri n ted i n bol d t o
h elp you locate th em wh ile an swerin g
som e of th e qu estion s.
(I n di an Ban k PO Ex am . 17.10.2010)
Th e great fear i n Asi a a sh or t
wh ile ago was th at th e region wou ld
su ffer th rou gh th e wealth destru ction
already tak in g place in th e U.S. as a
resu lt of the financial’crisis. Stock m ar -
k ets tu m bled as exports plu n ged an d
econ om ic growt h deter iorated. Lofty
property prices in Ch in a an d elsewh ere
look ed set to bu st as credit tigh ten ed
an d bu yers ev apor at ed. Bu t with su r -
prisin g speed, fear in Asia swu n g back
to greed as th e region sh ows sign s of
recovery an d property an d stock pric-
es are soarin g in m an y parts of Asia.
Wh y sh ou l d t h i s sh arp Asi an
t u r n arou n d be greet ed wit h sk ep ti -
cism ? High er asset prices mean hou se-
h olds feel wealth ier an d better able to
spen d, wh ich cou ld fu rth er fu el th e
region ’s n ascen t rebou n d. Bu t ju st as
easily, Asia cou ld soon fin d itself sad-
dled with overh eated m ark ets sim ilar
to th e U.S. h ou sin g m ark et. In sh ort
t h e world h as n ot ch an ged, i t h as just
m ov ed pl aces.
Th e in cipien t bu bble is bein g cre-
ated by govern ment policy. In response
to th e global credit cru n ch of 2008,
policy m ak ers in Asia slash ed in terest
rates and fl ooded financial sectors with
cash in fran tic attem pts to k eep loan s
flowin g an d econ om ies growin g. These
steps were logical for cen tral ban k ers
striving to reverse a deepen ing econom-
i c cr isi s. B u t t h er e’s evi d en ce t h at
th ere is too m u ch easy m on ey arou n d.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
It’s win din g u p in stock s an d real es-
tate, pu sh in g prices u p too far an d too
fast for th e u n derlyin g econ om ic fu n -
dam en tals. Mu ch of th e con cern is fo-
cu sed on Ch in a, wh ere govern m en t
stim u lu s efforts h ave been large an d
effect ive. M on ey i n Ch in a h as been
especially easy to fin d. Aggregate n ew
ban k len din g su rged 201% in th e first
h alf of 2009 from th e sam e period a
year earlier, to n early $1.1 trillion . Ex-
u beran ce over a qu ick recovery -wh ich
was given a boost by Ch in a’s su rpris-
in gly stron g 7.9% G DP growth in th e
secon d qu arter –h as bu oy ed in vestor
sen tim en t n ot ju st for stock s bu t also
for real estate.
For m er U .S. Fed er al Reser ve
Ch airm an Alan Greenspan argu ed that
bu bbles cou ld on ly be recogn ised in
h in dsigh t . Bu t in vest or s -wh o h ave
been well sch ooled in th e dan gers of
bu bbles over th e past decade are in -
creasin gly wary th at prices h ave risen
too far, an d th at the slightest bit of n eg-
ative econ om ic news cou ld k n ock m ar -
k ets for a loop. Th ese fears are com -
pou n ded by th e possibility th at Asia’s
cen tral ban k ers will begin tak in g steps
to sh u t off th e m on ey. Ru m ou rs th at
Beijin g was on th e verge of tigh ten in g
credit led to Sh an gh ai stock s plu n gin g
5%. Yet m an y econ om ists believe th at,
“th ere is close to a zero possibility th at
th e Ch in ese govern m en t will do an y-
th in g th is year th at con stitu tes tigh t-
en in g.” An d with ou t a m ajor -sh ift in
th in k in g, th e easy-m on ey con dition s
will stay in place. In a global econ om y
th at h as produ ced m ore dram atic u ps
an d down s th an an yon e th ou gh t pos-
sible over th e past two years, Asia m ay
be h eadin g for an oth er dish earten in g
plu n ge.
168. To wh ich of th e followin g h as th e
au thor attribu ted th e 2008 Asian
fin an cial crisis ?
(A) Relu ctan ce of Asian govern -
m en t s to t ap er off th e eco-
nomic stimu lu s
(B) Greed of Asian investors cau s-
in g t h em to tr ade stock s of
Am erican com pan ies at h igh
pri ces
(C) In flated real estate prices in
Asian cou ntries
(1) None
(2) On ly (A)
(3) Only (C)
(4) On ly (A) an d (B)
(5) Only (B)
COMPREHENSION TEST
169. Wh y does th e au th or dou bt th e
cu rren t resu rgen ce of Asian eco-
nomics ?
(1) Their economies are too heavi-
l y rel i an t on t h e Am eri can
econ om y wh ich is yet to re-
cover
(2) Cen tral ban k s h ave slash ed
i n t er est r at es t oo ab r u p t l y
wh ich is lik ely to cau se stock
m ark ets to crash
(3) With their prevailing economic
con dition s th ey are at risk for
a fin an cial crisis
(4) Th eir GDP has n ot grown sig-
n ifican tly du rin g th e last fi-
n ancial year.
(5) Non e of th ese
170. Wh at is th e au th or’s m ain objec-
tive in writin g th e passage ?
(1) Illu stratin g th at Asian econ o-
m i es ar e fi n an ci al l y m or e
sou n d th an th ose of devel-
oped cou n tries.
(2) Dispu tin g fin an cial th eories
abou t h ow recession s can be
predicted an d avoided
(3) Warning Asian cou ntries abou t
th e dan gers of favou rin g fast
growth an d profits over sou nd
econ om ic prin ciples
(4) Extol lin g Ch in a’s in credible
growth and u rging other cou n-
tries to em u late it
(5) Advisin g govern m en ts abou t
t h e c h an ges i n p ol i cy t o
stren gth en econ om ic fu n da-
mentals
171. What does the author want to con-
vey t h r ou gh t h e p h r ase “Th e
world has n ot chan ged it has ju st
m oved places”?
(1) At presen t cou n tries are m ore
dependent on Asian economies
than on the US econ omy.
(2) Econ om ies h ave becom e in -
terlin k ed on accou n t of glo-
balisation.
(3) Asian governm ents are imple-
m en ting th e sam e econ omic
reforms as developed cou ntries
(4) All econom ies are su sceptible
to recession becau se of th e
state of th e US econ om y.
(5) Non e of th ese
172. Wh ich of th e fol lowi n g can be
said abou t th e Ch in ese govern -
m en t’s efforts to revive th e econ -
om y ?
(1) Th ese were largely u n su ccess-
fu l as on ly th e h ou sin g m ar -
k et im proved
-228-

(2) Th e govern m en t’s on ly con -
cern was t o boost i n vest or
con fiden ce in stock s.
(3) Th ese efforts were in effectu -
al as th e econ om y recovered
owin g to th e US m ark et sta-
bilisin g.
(4) Th ese were appropriate an d
accom plish ed th e goal of eco-
n om ic revival.
(5) They blin dly im itated th e eco-
n om ic reforms adopted by th e
US.
173. Accordin g to th e passage, wh ich
of t h e fol lowin g fact or(s) h as/
h ave h ad a n egative im pact on
th e Asian stock m ark ets ?
(A) Ab r u p t d r op i n ex p ort s b y
Asian cou ntries
(B) Extravagan t disbu rsem en t of
h ou sin g loan s in 2009
(C) Raisi n g of in t erest rat es by
th e Cen tral Ban k
(1) None
(2) On ly (A) an d (B)
(3) On ly (A)
(4) On ly (A) an d (C)
(5) All (A), (B) an d (C)
174. Wh y h as in vestor con fiden ce in
th e Ch in ese stock m ark et been
restored ?
(A) E x i s t i n g p r o p er t y p r i ces
wh ich are stable an d afford-
able. .
(B) Th e govern m en t h as decided
to tigh ten credit.
(C) Health y growth of th e econ o-
m y in dicated by GDP figu res.
(1) Only (C)
(2) On ly (A) an d (B)
(3) All (A), (B) an d (C)
(4) Only (B)
(5) Non e of th ese
175. Wh ich of th e followin g can be
in ferred from th e passage ?
(A) All Asian economies are recov-
erin g at th e sam e pace.
(B) E x p er t s ar e ap p r eh en si ve
abou t th e state of Asian econ -
om ies despite th eir recovery.
(C) Developed cou n tries sh ou ld
implem en t th e sam e econ om -
ic reform s as Asian on es.
(1) On ly (A)
(2) On ly (B) an d (C)
(3) On ly (A) an d (B)
(4) Only (B)
(5) Non e of th ese
176. Wh y d o ex p er t s p r ed i ct t h at
Asian policymak ers will n ot with-
draw fiscal stim u lu s ?
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(A) Th e US econ om y is n ot lik ely
to recover for a lon g tim e.
(B) Stock m ark ets are yet to re-
gain th eir form er levels.
(C) Fear of revolt by greedy citi-
zen s.
(1) None (2) Only (C)
(3) On ly (A) an d (C)
(4) Only (B)
(5) On ly (B) an d (C)
177. What do th e statistics abou t loans
given by Ch in ese ban k s in 2009
in dicate ?
(1) Th ere was h ardly an y demand
for loan s in 2008
(2) Th e Ch in ese govern m en t h as
borrowed fu nds from the U.S.
(3) Ch in a will tak e lon ger th an
th e US t o recover fr om t h e
econ om ic crisis
(4) Th e GDP of Ch in a was below
expectation s
(5) Non e of th ese
Di rect i on s (1 78 -1 8 5 ) : Read th e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Certain word s h ave been p rin t ed in
bo l d to h elp you l ocate th em wh i le
an swerin g som e of th e qu est ion s.
(Al l ah abad Ban k PO Ex am . 21.02.2010)
Today, with a Nobel Prize t o i ts
cr edi t, Gram een is on e of th e largest
m i cr ofi n an ce or gan i sat i on s i n t h e
worl d . It st ar t ed ou t l en d in g sm al l
s u m s t o p o o r en t r ep r en eu r s i n
Ban gl adesh to h elp th em grow from a
su bsisten ce li vin g to a l ivel ih ood. Th e
great discovery its fou n ders m ade, was
th at even wi th few asset s, t h ese en -
trepren eu rs repaid on tim e. Gram een ,
an d m icrofin an ce h ave sin ce b ecom e
fi n an ci al st ap l es of t h e d evel op i n g
wor ld . Gr am een ’s ap pr oach , u n l ik e
ot h er m i crofin an cers u ses th e grou p-
len di n g m odel. Cost s are k ept down
by h avin g borrower s vet on e an oth er,
tyin g togeth er th eir fin an cial fates an d
el i m i n at in g ex p en si ve l oan offi cer s
en t i r el y. Th e u l t i m at e p r om i se of
Gr am een i s t o u se b u si n ess len di n g
as a way for p eop le t o l ift th em selves
ou t of povert y.
Recen tly Gr am een h as tak en on
a differen t ch allen ge — b y setti n g u p
operation s in th e Un ited States Mon ey
m ay b e ti gh t in th e wan in g r ecession ,
bu t it is still a n ation of 1,00,000 ban k
b r an ch es . Gl ob al l y , t h e w o r k i n g
m icrofin an ce equ ation con sists of bor -
r owi n g fu n d s ch eap l y an d k eep i n g
COMPREHENSION TEST
loan defau l ts an d overh ead exp en ses
su fficien tly low. Microlen ders, in clu d-
in g Gram een , do th i s b y ch argin g co -
l ossal in terest rates — as h igh as 60%
or 70 % — wh ich is n ecessary to com -
pen sate for th e risk an d att ract ban k
fu n d i n g. B u t l oan s at r at es m u ch
ab ove th e st an d ard 15 % wou ld m ost
l i k el y b e at t ack ed as u su r i ou s i n
Am erica.
So, th e qu estion is wh eth er there
is a role for a Th i rd Wor ld len d er in
t h e w o r l d ’s l a r ges t ec o n o m y ?
Gr am een Am er ica bel ieves th at in a
few year s i t wi l l b e su ccessfu l an d
tu rn a profit, th ank s to 9 million United
St at es h ou seh ol d s u n t ou ch ed b y
m ain stream ban k s an d 21 m i llion u s-
ing the lik es of payday loans and pawn
sh ops for fi n an cin g. B u t en t icin g t h e
u n b an k ed won ’t b e easy. Aft er al l ,
pr ofi t h as l on g el u ded Un it ed Stat es
m i crofin an ci ers an d i f i t i s n ot l u cr a-
tive, it is not m icrolending — bu t ch ar -
it y. Wh en Gram een fir st wen t t o t h e
Un it ed States, i n th e late 1 98 0s, it
t ri p p ed u p . Un d er Gram een ’s t u te-
l age, Ban k s st ar t ed m i cr o loan s t o
en trepren eu r s with a sh ock in g 3 0%
loss. Bu t Gram een Am erica says th at
th is tim e resu l ts wil l b e d ifferen t b e-
cau se Gram een em ployees th em selves
wi ll b e m ak i n g t h e loan s, n ot tr ain i n g
an Am eri can b an k to do i t. More often
t h an n ot , t h e b or r ow er s, Gr am een
finds in the United States already have
jobs (as factor y work ers for exam pl e)
or si d e b u si n esses — sel l i n g t oys,
cl ean in g h ou ses et c. Th e loan s fr om
Gr am een , b y an d l ar ge, p r ovi d e a
st ead ier sou rce of fu n di n g, bu t th ey
don ’t cr eate bu sin esses ou t of n ot h -
in g. B u t m on ey isn ’t everyth in g. More
im por tan tly for m an y en t rep ren eu r s,
gr o u p m em b er s a r e t r em en d ou s
sou rces of su pp ort to on e an oth er. So
even if stu d ies ar e yet to determ i n e if
Gr am een i s a cl ear -cu t path way ou t
of pover ty, it sti ll ach ieves som eth i n g
u sefu l.
178. Wh at h as adversely affected t h e
su ccess of m icrofin an ce i n sti tu -
ti on s in th e Un it ed States ?
(1) Th e focu s of t h ese i n st i tu -
tion s i s on m ak in g a pr ofit at
an y cost i n st ead of b ei n g
ch ari tabl e t o t h e n eed y.
(2) Am eri can ban k s en gaged in
m i crolen din g were th e m ost
sever ely h it du rin g th e r eces-
sion
-229-

(3) W i d es p r ea d p er c ep t i o n
am on g b an k er s t h at t h ese
in stitu t ion s are better su i ted
to developin g cou n tr ies
(4) Th eir fai lu r e t o attr act th ose
ou tsi de th e for m al ban k i n g
system as cu st om ers
(5) Am eri can s are t oo prou d to
accep t ai d from th ird wor ld
cou n t ries.
179. Wh y h as Gram een m ade a sec-
on d at tem pt to l au n ch itself in
th e Un it ed States ?
(1) T h e w i l l i n gn es s o f U . S.
ban k s to provid e t h e n eces-
sary staff an d fu n ds to faci l-
it at e th e sp read of m i cr ofi-
nance
(2) Th e rates of in terest on l oan s
i n th e U. S. are ex or b it an t
m ak in g it easi er t o recover
capital
(3) Th e r eal isation t h at a lar ge
percen tage of t h e Am erican
p opu l at i on n ot r each ed b y
m ai n st r eam b an k s can b e
tapp ed .
(4) Recogn it ion of th e fact th at
disbu rsin g cred it in devel op-
in g cou n tri es du r in g th e r e-
cessi on is t oo risk y
(5) Non e of th ese
180. Wh ich of th e followin g can be in -
ferred from th e p assage ?
(1) Mi crofin an ce h as b een su c-
cessfu l on ly in Asian cou n -
tries
(2) M i cr ofi n an ce m ak es i n d i -
vi du al b orr ower s d epen den t
rath er th an i n dep en den t
(3) America has th e largest n u m -
ber of b an k s i n t h e wor ld
(4) Th er e i s scope for m i cr ofi -
n an ce in stitu tion s to be prof-
itab le in d eveloped cou n t ries
(5) T h er e a r e n o i n f o r m a l
sou r ces of cr ed i t i n d evel -
oped cou n tr ies
181. Accord in g to th e au th or, wh at
h as en h an ced th e l ik elih ood of
su ccess for Gram een Am erica at
pr esen t ?
(1) Its su ccess in Ban gladesh an d
oth er develop in g cou n tr ies
(2) Absence of oth er m icrofinance
in stitu tion s for com petition
(3 ) Th e fact th at Am erica is cu r -
ren tl y i n t h e m idst of r eces-
sion
(4 ) It p rovides loan s at n om in al
rates of in t erest i .e. bel ow 15
p er cen t
(5 ) Non e of th ese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
182. Wh ich of th e fol lowi n g can be
said abou t Gram een ?
(A) I t s su ccess i n d evel op i n g
cou n tries will en su re its su c-
cess in d evelop ed cou n tri es
(B) It en su res th at th e p oor in
devel opi n g cou n tr ies en joy a
su bsi sten ce st an d ard of li v-
ing
(C) It h as d em on st rat ed th at t h e
p oor ar e far m ore li k el y t o
repay loan s th an the afflu en t.
(1 ) Non e (2) On ly (A)
(3 ) On ly (A) an d (C)
(4) On ly (B) (5) On ly (C)
183. Wh at is th e cen tral t h em e of t h e
passage ?
(1) The con tention that Gram een
i s d oom ed t o fai l i n d evel -
oped cou n tr ies
(2) A com preh en sive evalu ati on
of th e cu rr en t st atu s of t h e
Am erican econ om y
(3) A d iscu ssion abou t th e pr os-
p ec t s o f G r a m een a n d
m i crofin an ce i n t h e U. S.
(4) Th e rol e of ban k s in facilit at-
i n g m i cr ol en d i n g effor t s i n
develop ed n ation s
(5) Mi crofin an ce effor ts are u se-
fu l i n d evel op i n g cou n tr ies
b u t ar e fu t il e i n d evel oped
on es.
184. Why was Gram een Am erica’s ini-
ti al U. S. i n it iat ive a flop ?
(A) Lack of p r op er t r ain i n g t o
Gr am een Am eri ca p erson n el.
(B ) Gram een ’s r efu sal to adapt
th eir system to m eet th e n eeds
of th e Am eri can poor.
(C) It en ded u p givin g loan s at
h alf th ei r cu st om ary rates of i n -
t er est .
(1 ) Non e (2) On ly (A)
(3 ) On ly (A) an d (C)
(4) On ly (B)
(5) On ly (C)
185. Wh ich of th e followin g i s a ben -
efi t of th e Gram een syst em of
m icr ofin an ce ?
(1 ) If a si n gl e m em ber i s u n ab le
to repay a l oan ot h er grou p
m em ber s will rep ay it
(2 ) Di spen si n g with th e ex pen se
of t ech n ol ogy n et w or k s t o
m on itor advan ces
(3 ) It u t ili ses th e vast ban k n et-
wor k al r ead y ex i st i n g i n a
cou n try
COMPREHENSION TEST
(4) Grou p mem bers can san ction
loan s an d verify i f b orr owers
h ave su ffici en t collat eral.
(5 ) B ack i n g th at b orr ower s r e-
cei ve fr om oth er gr ou p m em -
b er s
Di r ect i on s (18 6 –1 93 ) : Read th e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bol d to h elp you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(Al l ah abad Ban k PO Ex am . 21.02.2010)
Th e gr eat recession h asn ’t been
great for free trad e. As u n em ploym en t
h as r isen th rou gh ou t th e wor ld, gov-
er n m en ts h ave b ecom e m ore focu sed
on protecting their own in du stries th an
on prom oting in ternation al com merce.
Th e U. S., t h ou gh t ypi cal ly an en th u -
si ast ic su pp ort er of open m ark et s, in
du ded “b u y Am erican ” clau ses i n i ts
st im u lu s pack age an d propped u p i ts
faili n g au to i n du stry with h an d ou ts.
Bu t accor din g t o t h e Asian D e-
velop m en t Ban k (AD B), in th e part of
th e world th at was h it h ardest b y t h e
tr ade cr ash -Asi a, th e n u m ber of Fr ee
– Trade Agr eem en ts (FTAs) sign ed by
Asian cou n t ries h as grown from ju st
th ree in 200 0 t o 56 by th e en d of Au -
gu st 2009. Nin eteen of th ose FTAs are
am on g 16 Asi an econ om ies, a tren d
th at cou ld h el p th e r egi on becom e a
power fu l tr adi n g bloc.
Th e dr ive to lower trade b arr i-
er s h as t ak en on fr esh u r gen cy am id
th e r ecessi on . As Asi an m an u factu r -
ing n etwork s becom e m ore intertwined
— an d as Asi an con su m ers b ecom e
wealt h ier — region al com m erce i s b e-
com i n g cr i t i c al t o fu tu re econ om i c
ex p an si on . In t r aregi on al t r ade l ast
year made u p 57% of total Asian trade,
u p fr om 37% in 19 80. I n t h e past
Asi a pr od u ced f or Am er i ca an d Eu -
r ope, n ow Asi a i s pr odu ci n g for Asi a.
Of cou rse, Asia is still depen den t
on sales to th e West. Bu t FTAs cou ld
redu ce t h e region ’s exposu r e t o t h e
Un ited States b y givi n g Asian com p a-
n i es prefer en t ial treatm en t in selli n g
to Asian com pan ies an d con su m er s.
Th ese ben efits cou ld com e with down -
si des, h owever. Accord in g to exp ert s,
FTAs create a “n on -level pl ayi n g field
wi th advan tages for Asian cou n tr ies”.
If th e m ost dyn am i cal ly growin g part
of th e gl obal econ om y gives th e U. S.
restr ict ed access it wil l i m pact glob al
balan ce. Com pan ies in cou n tr ies li k e
-230-

th e Un it ed Stat es left ou t of t h e trade
pacts cou ld face d isadvan tages wh en
tryin g to tap fast – growin g Asian m ar -
k ets. Th is, in tu rn , cou ld h ave a n ega-
t i ve i m p act on effor t s t o r eb al an ce
ex cessive deb t i n t h e U. S. an d ex-
cessi ve savi n gs in Asi a. Sti ll, th e ben -
efit s of gr eat er r egion al i n t egr ati on
cou ld pr ove power fu l en ou gh to over -
com e th e roadblock s. In Asia, th e on ly
th in g everyon e agr ees u p on is bu si-
n ess. If it does, t h e worl d econ om y
m ay n ever b e t h e sam e.
186. Wh at do th e Asian Developm en t
Ban k statisti cs in dicate ?
(1) Asian econ om ies ar e fin an -
cially m ore sou n d th an th ose
of th e d evelop ed wor ld
(2) Th e fin an cial crisis im p acted
th e West far m ore th an i t d id
Asia
(3) Asian cou n tries h ave al ign ed
them selves on lin es sim ilar to
th e Eu rop ean Un i on
(4) Wester n cou n tri es are scep-
ti cal ab ou t tr adi n g wit h d e-
vel opin g cou n tr ies
(5) Asi an cou n t ri es h ave b een
actively op en i n g th eir m ar -
k ets to on e an oth er
187. Wh at h as gi ven rise t o t h e lar ge
n u m ber of t rade agr eem en ts be-
tween Asi an cou n tries ?
(1) Th e n eed to in su l at e Asi an
econ om i es fr om over ex p o-
s u r e t o t h e A m er i c a n
econ om y
(2) An gry react ion am on g Asi an
cou n tries owin g t o Am eri ca’s
protection ist policy
(3) Th e aim of em p owerin g t h e
poorer Asian econ om ies an d
brin g th em on par with West-
er n econ om i es
(4) Th e d esi re to ach ieve con d i-
tions con du cive to global con -
sen su s on tr ade regu lation s
an d tariffs
(5) Wi despread pan i c i n Eu rope
an d Asia as Asian econ om ies
ar e yet to r ecover from th e
recession
188. Wh ich of th e followin g is NOT
T RUE in th e con t ext of th e pas-
sage ?
(A) Polit ical an d econ om i c r ival-
ries between Asian cou n tr ies
are n on -existen t tod ay.
(B) Asian cou n tries hold America
respon sible for th e recessi on
an d h ave im posed econ om ic
san ct ion s again st th e U. S.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(C) Am eri ca h as adopted a pr o-
tect ion i st strategy aft er t h e
r ecessi on .
(1) On ly (A)
(2 ) On ly (B) an d (C)
(3 ) On ly (A) an d (B)
(4) On ly (C)
(5 ) Non e of th ese
189. Wh ich of th e fol lowin g describes
ex per t pr edi cti on s ab ou t trade
pact s between Asian cou n tr ies ?
(1 ) Th ese will be ben efi cial an d
are lik ely to give rise to a com -
m on Asian cu rren cy
(2 ) Tar iffs wi ll be lowered an d
bu reau cratic regu lation s will
becom e tr an sparen t
(3 ) Wi den in g of differ en ces b e-
tween parti cipan t an d n on -
p ar t i ci p an t cou n t r i es w i l l
h am per global stability
(4 ) Regi on al con fl i ct s wi l l i n -
cr ease as com p et i t i on an d
in equ ities bet ween Asian n a-
tion s will in ten sify.
(5 ) Th ey ar e l ik el y t o b e sh or t-
li ved as it wi ll b e d ifficu lt to
get p art ici pat in g n ation s to
ar rive at a con sen su s
190. Wh ich of th e followin g h as/ h ave
n ot been (an ) im pact (s) of t h e
recession ?
(A) Var i ou s t r ad e agr eem en t s
si gn ed b et w een d evel op ed
an d Asian cou n tries have n ot
been h on ou red.
(B) Th e U. S. govern m en t h as re-
stru ctu red the au tomobile in -
du st ry.
(C) Region al con flicts in Asia have
su bstan tially redu ced.
(1) On ly (C) (2) On ly (A)
(3 ) On ly (A) an d (B)
(4) All (A), (B ) an d (C)
(5 ) Non e of th ese
19 1. According to the au th or wh at dan-
ger d oes cr eat in g an Asi an trad-
in g bl oc pose ?
(1) Political instability in Asia will
r i se as som e cou n t ri es ar e
wealth ier th an oth ers
(2 ) Am eri can con su m er s h ave
c ea s ed t h ei r d em a n d fo r
Asian goods
(3) Unemployment in Asian cou n-
tr ies wil l r ise as m an y p lan ts
wi ll be for ced to cl ose down
(4) It wi l l alt er t h e b al an ce of
power in th e World with sm all
Asi an cou n t r i es b ecom i n g
m ost domin an t
(5 ) Non e of th ese
COMPREHENSION TEST
192. Wh at is th e au thor tryin g to con -
vey t h rou gh th e ph r ase “I n t h e
past Asi a pr odu ced for Am er i ca
an d Eu r o pe, n o w Asi a i s pr o-
du ci n g fo r Asi a” ?
(1 ) Th e n u m b er of wealth y con -
su m er s in Asi a ou tn u m ber
th ose in Am erica an d Eu rope
togeth er
(2 ) Asian cou n tr ies do n ot su p-
port free t rad e an d con tin u e
t o tr ad e am on g t h em sel ves
despit e t h e recessi on
(3) Goods manu factu red in Asian
cou n t ries often fail to m eet
th e stan d ard s set by d evel-
oped cou n tr ies
(4) Asian cou n tri es n o lon ger ex-
p or t t o West er n m a r k et s
alon e an d n ow cater t o Asian
m ark et s as well
(5 ) In terregion al trade bar riers
b et w een E u r op e an d Asi a
h ave weak en ed con siderably.
1 9 3 . Wh ich of th e followin g can be
s a i d a b o u t t h e A m er i c a n
econ om y i n t h e con text of t h e
passage ?
(A)M ost Am er i can com p an i es
h ave opted t o with draw fr om
Asia.
(B) Am erica’s stan d on free trade
h as altered becau se of th e re-
cessi on .
(C) Th e Am erican econ om y i s far
t oo d ep en d en t on Asi a for
trade.
(1) On ly (A) (2) On ly (B)
(3) On ly (C)
(4) All (A), (B ) an d (C)
(5 ) Non e of th ese
Di r ec t i o n s (1 9 4 -2 0 1 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bold to help you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(Cor porat i on Ban k PO Exam .
09 .0 5. 20 10 )
Th ere ar e vari ou s sector s i n In -
di a t h at are to be assessed for th eir
str en gt h s, weak n esses, op port u n it ies
an d th reat s.
Th e total popu l ation is over 1 b il-
lion wh ich will in crease to 1.46 billion
b y 20 3 5 t o cr oss Ch i n a. Th e h u ge
popu lation will resu lt in h igh er u n em -
ploym en t an d deteri oration of qu ality.
Li teracy, in In d ia i s yet an oth er fact or
to be discu ssed . Accor din g to 19 91
-231-

cen su s, 64.8% of t h e pop u lation was
illiterate. The m ajor down tren d of edu -
cation is du e to ch ild labou r wh ich has
sp read al l over In d ia an d th is sh ou ld
be totall y erad icated by way of su r -
v ei l l an ce an d a good edu cational sys-
tem im plem en ted properly by th e Gov-
er n m en t.
Pollu tion is one m ore threat to th e
en vi r on m en t an d for t h e cou n t r y’s
pr ospect s. Th is h as been experien ced
m or e in u rb an ar eas m ain l y in m et ro-
polit an cit ies. Th e water p oll u ti on by
th e sewage seep age in t o t h e grou n d
water an d im prop er m ain ten an ce wi ll
lead to variou s diseases wh ich in tu rn
will affect th e n ext gen eration . In m ost
of th e ci ties t h ere is n o pr oper sew-
age d isp osal. Th e Govern m en t h as to
tak e effecti ve steps to con trol popu l a-
ti on wh i ch , in tu rn , wil l m in i m ize t h e
pollu tion.
Pov er t y qu est i o n s t h e en t i r e
st ren gth of In dia’s p oli tical view an d
m in im izes th e en ergeti c way of ap -
pr oach . Th e sh ortfall of rai n s, en or -
m ou s fl ood s, u n ex p ect ed fam i n e,
dr ou gh t, ear th qu ak e an d t h e r ecen t
tsu n am i h it th e cou n tr y i n a n egati ve
way. Th e pr oactive ap proach th rou gh
effective research an d an alytical stu dy
h elps u s to det erm in e th e effects in
advan ce. Pr oper all ocat ion of fu n ds is
a prer equ i si t e. In developed cou ntries
lik e. U.S., J apan p recau tion ary m eth -
ods are adopted to over com e th i s, b u t
it h as t o be im proved a lot in ou r sys-
tem s.
In creased popu lation is on e of th e
m aj or r eason s for p over t y an d t h e
Governm en t is u nable to allocate fu n ds
for b asic n eeds to th e society. In d ia
h as n ear ly 4 00 m il lion p eopl e l ivi n g
below th e pover ty l in e an d 9 0% of ac-
tive popu lation is in in form al economy.
Th e ch il dren are forced to wor k d u e
to t h eir poverty an d di ffer en t i al caste
system . Th ey work in m at ch in d u st ry
for d aily wages, as servan ts, m ech an -
ics, ston e break ers, agricu ltu ral work -
er s, etc. To p reven t ch i ld lab ou r, ex-
isting laws wh ich favou r the Anti Ch ild
Labou r Act sh ou ld be im plem en ted by
th e Govern m en t v i gor o u sl y .
Mor e pop u lati on resu lts in ch eap
cost by vir tu e of th e dem an d su pp ly
con cept . Most of th e forei gn cou n tr ies
try to u tilize this factor by ou tsou rcin g
th eir b u sin ess in In dia with a very low
capit al. Accor din g to U.S., In dia is a
“Kn owled ge pool” with ch eap labou r.
Th e m ajor advan tage is ou r com m u n i-
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
cat i on an d t ech n ical sk i ll wh i ch i s
adapt abl e t o an y en vir on m en t . Th e
cu tti n g edge sk ill in IT of ou r pr ofes-
sion als h el ps th e ou tsou r cin g com pa-
n ies to com m en su rat e with th e needs
of th e con su m ers in a sh ort span . Th e
m ajor com p etitor s for In dia are Ch in a
an d Ph il ippi n es an d b y t h e way of an
effecti ve com m u n i cat ion an d ex pert
tech n ical abil ity, In dian s are ah ead of
th e race. Th e major Metropolitan states
are targetin g th e ou tsou rcin g field vig-
orou sly by givin g variou s am en i ties to
th e ou tsou r ci n g com pan i es li k e t ax
con cession, allottin g lan d etc., to start
th eir bu sin esses in i ts cit ies wi th ou t
an y h u r d l es. Th er eb y m ost of t h e
MNCs prefer In dia as th eir destin a-
ti on s an d capit alize t h e resou rces to
m axim ize th eir assets. In frastru ctu re
i s a n o t h er k ey f a c t o r f o r a n
ou tsou rcin g com pan y t o start a bu si-
n ess in a p art icu lar cit y. It in clu d es
road, rail, ports, power an d water. Th e
in creased in pu t in in frastru ctu re in
In dia is very l i m i t ed wh er e Ch in a’s
recor d i s ex cel len t.
In dia in ear lier days gave m ore
im por tan ce t o t h e developm en t of i n -
du str y an d less im por tan ce to oth er
d ep ar tm en ts. Bu t th e scen ar i o h as
qu ite ch an ged n ow-a-days by al locat-
in g a special b u dget of fu n d s for se-
cu rit y. Th i s i s b ecau se of th e fr igh t-
en in g i n crease in t errorism all arou n d
th e world especially emergin g after th e
9/ 11 ter ror at tack in U.S. In th e last
ten year s, b u dget toward s th e d evel-
opm en t of m i l it ary for ces is h i gh er
wh en com p ared to ot h ers. It sh ows
th at th e th reat from ou r n eigh bou rin g
cou n t ries is escalatin g. In d ia h as to
con cen trate m ore on th is secu rity fac-
tor to wip e ou t th e pr oblem in th e way
of cr oss-border terrorism .
Mak in g In dia, a developed cou n -
tr y i n 2 020 is n ot an easy task . In d ia
h as t o k eep in ch eck a vari ety of fac-
tors in order t o pr ogr ess rapidl y. To
qu ote China as an example is th at they
dem ol ish ed an old bu ild in g to con -
st ru ct a ver y b ig p ort to m eet fu tu re
dem an d s, b u t In dia is sti ll waiti n g for
th in gs t o h appen . Th e pr ofit s gain ed
by In dia th r ou gh vari ou s sector s are
to be sp en t for th e d evelop m en t an d
welfare of th e cou n tr y. In d ia’s visi on
for a br igh ter path will com e tru e n ot
on ly b y m ere wor ds or sp eech , bu t
extra effort n eeded at all levels to over -
com e t h e pit fall s.
COMPREHENSION TEST
194. Wh ich of th e fol lowin g, accor d-
i n g t o t h e au t h or, i s/ ar e a
resu lt(s) of in creased popu lation
in In dia ?
(A) Pollu tion
(B) Povert y
(C) Unem ploym en t
(1) On ly (A)
(2) On ly (A) an d (B)
(3) On ly (B)
(4) On ly (A) an d (C)
(5) All (A), (B) an d (C)
195. Wh y, accor di n g to t h e au t h or,
h as t h e In d ian Govern m en t al-
lotted m ore fu n d s t o stren gth en
th e m i lit ary for ces ?
(1) To im prove secu ri ty in ord er
to cou n t er in cr easin g terror -
ism
(2) As th e secu rity in In dia over
t h e p a s t t en y ea r s w a s
grossly in adequ ate
(3) As th e U.S. t oo h as str en gt h -
en ed its m il itary for ces aft er
th e 9/ 11 attack
(4) As th e i n du str y i s d evelop ed
en ou gh an d is n ot in n eed of
an y m ore fu n ds
(5) Non e of th ese
196. Wh at is th e au th or’s m ain objec-
ti ve in wri tin g th is passage ?
(1) To exh ort th e Govern m en t to
ga r n er s u p p o r t f r o m i t s
n eigh bou rin g cou n tries
(2) To su ggest t o t h e Gover n -
m en t t o fol l ow Ch in a’s ex -
am ple blin dly th er eby brin g-
in g abou t rapid d evelop m en t
(3) To h i gh li gh t th e p ligh t of t h e
poor
(4) To di scu ss th e problem s of
ch ild labou r and su ggest su it-
ab le rem edi es
(5) To br in g for th th e problem s
associ ated wit h t h e In d i a’s
devel opm en t an d to su ggest
m easu res to cou n ter th em
197. Wh y, accordin g t o t h e au th or, is
In dia on e of th e favou rit e d est i-
n a t i o n s f o r i n v es t m en t b y
ou tsou rcin g com pan ies ?
(A) Sh orter respon se tim e for cli-
en ts
(B) Better tech n i cal sk il ls
(C) Avail ability of ch eap l abou r
(1) On ly (C)
(2) All (A), (B) an d (C)
(3) On ly (B) an d (C)
(4) On ly (A) an d (B)
(5) On ly (A)
-232-

198. Wh i ch of t h e fol l owi n g i s/ ar e
t r u e i n t h e con t ext of th e pas-
sage ?
(A) In di a lead s t h e way i n t h e
amou nt in vested in the devel-
op m en t of i n fr ast ru ctu r e.
(B) Political system in In dia is n ot
in flu en ced b y pover ty
(C) In dian popu l ati on wou l d i n -
cr ease b y approxim ately 50
per cen t in th e n ext t wen ty
fi ve year s.
(1 ) On ly (A) an d (B)
(2) On ly (B)
(3) On ly (C)
(4 ) On ly (B) an d (C)
(5) All (A), (B ) an d (C)
199. Wh ich of th e followin g is/ are th e
facility(ies) available to MNCs in -
vestin g i n In dia ?
(A) Easy availability of lan d
(B) B et t er i n fr ast r u ct u r e t h an
China.
(C) Tax Con cession s
(1) On ly (C)
(2) All (A), (B) an d (C)
(3) On ly (A) an d (B)
(4) On ly (A) an d (C)
(5) Non e of th ese
200. Wh ich of th e fol lowin g, accor d-
in g t o th e au th or, is a r esu lt of
povert y i n In dia ?
(1) Lack of a robu st secu rity sys-
tem
(2 ) Ch il d l abou r an d th e resu l t-
in g deart h of edu cated you th
(3) Flood s, fam i n es an d oth er
calam ities
(4) Rapid in crease in popu lation
(5 ) Non e of th ese
201. How, accor di n g t o th e au th or,
can t h e effects of flood s, fam -
i n es, d r ou gh t , et c. b e m i n i -
m ized ?
(1) By li m itin g pol lu tion th er eby
redu cing th e ch an ces of su ch
even t s t ak i n g place
(2) B y ed u cat i n g t h e ch i l d r en
ab ou t th e i ll effects of su ch
calam iti es wh o i n t u rn wi ll
h elp du r in g th e t im e of n eed
(3 ) B y foll owi n g t h e U.S. syst em
of pr ovi din g r elief t o i ts cit i-
zen s
(4) By al lot tin g pr oper fu n d s for
research wh i ch can predi ct
th e ou tcom e of su ch calam i-
t i es an d t h u s d esi gn rel i ef
m easu r es
(5) Non e of th ese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Di r ect i on s (2 0 2–2 1 0) : Read th e
following passage carefu lly and answer
th e qu estion s given below it. Certain
words h ave been prin ted in bol d to
h elp you locate th em wh ile an swerin g
som e of th e qu estion s.
(Pun j ab & Si n d Ban k PO
Ex am . 16. 05.20 10)
Wh en wealth cam e in to existen ce,
a m oral stru ctu re was m ade arou n d
m on ey. Th e Pu ritan legacy in h ibited
lu xu ry an d self-in du lgen ce. Th ou gh t-
fu l people spread a practical gospel th at
em ph asi zed h ard work , tem per an ce
an d fru gality an d th e resu lt was qu ite
remark able.
Th e world h as been afflu en t sin ce
its fou n din g. Bu t it was, by an d large,
n ot corru pted by wealth . For cen tu -
ries, it remain ed indu striou s, ambitiou s
an d fru gal. Over t h e past 3 0 year s,
m u ch of th at h as been sh redded. Th e
social n orm s an d in stitu tion s th at en -
cou raged fru gality an d spen din g wh at
you earn h ave been u n derm in ed. Th e
in stitu tion s th at en cou rage debt an d
l i vi n g for t h e m om en t h ave b een
strengthened.. The moral gu ardians are
forever l ook in g for decaden ce ou t of
movies an d reality shows. Bu t th e most
ram pan t decaden ce today is fin an cial
d ecad en ce, t h e tr am p li n g of d ecen t
n orm s abou t h ow to u se an d h arn ess
m on ey.
Th e deterioration of fin an cial tra-
dition s h as m ean t two th in gs. First, it
h as m ean t an ex pl osi on of debt th at
inh ibits social m obility an d ru in s lives.
Secon d, t h e t r an sfor m at i on h as l ed
t o a st ar k fi n an ci al pol ar i zat i on . On
on e h an d, th ere is wh at is called an
in vestor class. It h as tax-deferred sav-
in gs plan s, as well as an arm y of fi-
n an cial advisers. On th e oth er h an d,
th ere is th e lottery class, people with
little access to fin an cial plan n in g bu t
pl en ty of access to p ayday len d er s,
credit cards an d lottery agen ts.
Th e loosen in g of fin an cial in h ibi-
tion h as m ean t m ore option s for th e
well-edu cated bu t more temptation and
ch aos for th e m ost vu ln erable. Social
n orm s, th e in visible th reads that gu ide
beh aviou r, h ave deteriorated. Over th e
past years, people h ave been m ore so-
cially con sciou s abou t protectin g th e
environment and inhaling tobacco. They
h ave becom e less socially con sciou s
abou t m on ey an d debt.
COMPREHENSION TEST
The agents of destru ction are m any
and State governmen ts have also played
a role. Th ey h awk th eir lottery prod-
u cts with aggr essi on , wh ich som e peo-
ple call a tax on stu pidity. Twen ty per
cent of th e world’s popu lation con sists
of frequ en t pl ayer s, spen din g abou t
$60 billion a year. Aside from th e fi-
n an cial toll, th e m oral toll is com pr e-
h en si v e. Here is th e govern m en t, th e
gu ardian of order, tellin g people th at
th ey don ’t h ave to work to bu ild for
th e fu tu re. Th ey can st r i k e it rich for
nothin g.
Payday len ders h ave also played
a role. Th ey sedu ctively offer fast cash
– at absu r d in terest rates – to 15 m il-
lion people every m on th . Credit card
com pan ies h ave played a role. In stead
of targetin g th e finan cially astu te, wh o
pay off th eir debts, th ey h ave fou n d
that they can mak e mon ey off the you ng
an d vu ln erable. Fifty-six per cen t of
stu den ts in th eir fin al year of college
carry fou r or m ore credit cards. Th e
n ation ’s leaders h ave played a role as
th ey h ave always h ad an in cen tive to
sh ove costs for cu rren t prom ises on to
th e back s of fu tu re gen eration s. It h as
on ly n ow becom e respectable to do so.
Th e m ark et itself h as played a role.
Software stalwarts bu ilt socially u se-
fu l produ cts to mak e th eir fortu n e. Bu t
wh at m essage do th e salary pack ages
t h at t h ei r t op , m an ager s get sen d
across th e cou n try wh en th ey ign ore
m illions of fellow cou ntrym en wh o su f-
fer from poverty, m aln u trition or h u n -
ger ? Au sterity h as becom e a th in g of
th e past.
Th e li st cou ld go on . Bu t th ere
cou ld be some recomm endation s. First,
raise pu blic con sciou sn ess abou t debt
th e way th e an ti-sm ok in g activists did
with t h eir cam paign . Secon d, create
i n st i t u t i on s t h at en cou r age t h r i f t .
Fou ndations an d religiou s institu tion s
cou ld issu e sh ort-term loans to cu t in to
th e payday len ders’bu sin ess. Colleg-
es cou ld redu ce credit card advertis-
in g on cam pu s. Th e tax code sh ou ld
tax con su m ption n ot in com e.
Bu t th e most importan t thin g is to
sh ift valu es. Th e ‘wise’m ade it presti-
giou s to em brace certain m iddle class
virtu es. Now it’s socially acceptable to
u n derm in e th ose virtu es. It is con sid-
ered n orm al to play th e debt gam e an d
imagin e that decision s m ade today will
h ave n o con sequ en ces in th e fu tu re.
-233-

202. Wh at does th e au th or m ean by
th e ph rase ‘t h e t r an sfor m at i on
h as l ed t o a st ar k fi n an ci al po-
l ar i zat i on ’ as u sed in th e pas-
sage ?
(1) Th e d et er i or at i on of soci al
n orm s h as ben efited on ly th e
wealth y an d th e k n owledge-
ab l e wh i l e t h e vu l n er ab l e
class of people h as fallen in to
a debt trap
(2) Sin ce m or al in h ib i ti on s n o
lon ger exist, th e debt agen ts
provide loan s on ly to th e af-
flu ent class thu s widen ing the
gap between th e rich an d th e
poor
(3) Th e debt cu ltu re is bein g u ti-
lized as a m easu re to draw
m on ey from th e wealth y class
by credit card com pan ies
(4) Both (1) an d (2)
(5) Non e of th ese
203. Wh ich of th e followin g is t r u e in
con text of th e passage ?
(1) Ever since its existence, m oney
h as ru in ed lives owin g to lack
of awaren ess am on g people
regarding its u n restricted u s-
age
(2) Govern m en t h as tak en m an y
in itiatives to con trol th e ram -
pan t m on ey len din g bu sin ess
to protect vu lnerable section s
of th e society.
(3) Govern m en ts th rou gh ou t th e
world h ave been pu ttin g tax
on amou nt of consu mption of
an individu al rath er th an his/
h er in com e
(4) Credit card com pan ies are dis-
creet en ou gh to provide credit
cards to only those people who
gu aran tee repayin g mon ey in
th e fu tu re
(5) Non e is tru e
204. Which of th e followin g can be th e
m ost appropriate title for th e giv-
en passage ?
(1) Th e debt cu ltu re an d govern -
m en t in itiatives to cu rtail it
(2) Break in g social barriers – tak -
in g th e rou te of fin an cial in -
du lgence
(3) Accu m u lation of debt— a les-
son for th e fu tu re generation s
(4) Effect of ‘con su merism’on the
world m ark et
(5) Lack of perseveran ce for sav-
in g m on ey in In dia
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
205. Wh ich of th e followin g, accord-
in g to th e au th or, has/ h ave been
respon sibl e for t h e en cou rage-
m en t of cu lt u re of debt i n t h e
society lately ?
(A) Th e ch an gin g lifestyle wh ich
m ak es i t i m p ossi b l e for, a
com mon m an to su stain h im -
self with ou t debts an d loan s.
(B) Break in g down of moral insti-
tu tion s wh ich su pported eco-
n om ic pru den ce.
(C) Provision for easy availability
of loan s to every section of th e
soci et y r egar d l ess of t h ei r
ability to repay th ese.
(1) On ly A
(2) On ly B
(3) Both A an d C
(4) Both B an d C
(5) Non e of th ese
206. Th e au th or of th e given passage
seem s to be defin itely ________
(1) su ggestin g th at th e agen ts of
d eb t s b e b an n ed fr om t h e
society.
(2) u n aware of th e ben efit s as-
sociated with th e easy avail-
ability of loan s th ese days
(3) in favou r of bringin g back th e
financial restriction s on ce im-
posed by th e society
(4) n ot su pportive of cam paign s
related to an ti -t obacco an d
savin g th e en viron m en t.
(5) Non e of th ese
207. Wh y does th e au th or of th e giv-
en passage seem to be displeased
with th e software stalwarts ?
(1) Th ey m ak e fortu n e ou t of th e
p r od u ct s wh i ch ar e b ar el y
socially u sefu l
(2) Th ey h ave been drawin g co-
l ossal sal ar i es an d t u r n a
blin d eye towards th e n eeds
of fellow cou n trym en
(3) Th ey are directly respon sible
for th e h u n ger, m aln u trition
an d poverty am on g th eir fel-
low cou n trym en
(4) Th ey h ave prom oted th e cu l-
tu re of debt am on g var iou s
section s of society
(5) Non e of th ese
208. Wh ich of th e followin g su gges-
tion s h ave been m ade by th e au -
th or in order to ch eck th e cu l-
tu re prom otin g debts ?
(1) Pu ttin g a ban on th e com pa-
n ies p rovid in g cred it card s
in discriminately.
COMPREHENSION TEST
(2) Tak in g th e h elp of in form al
in stitu tion s to lim it th e bu si-
ness of money lending by pay-
day len ders.
(3 ) Rai si n g p u b l i c aw ar en ess
abou t n egative effects of in -
ju diciou s borrowin g of m on -
ey.
(4) Tak in g action again st govern -
ments which have been allow-
in g lottery in th eir States.
(1) On ly A an d C
(2) On ly D
(3) On ly C an d D
(4) On ly B an d C
(5) Non e of th ese
209. Which of th e following statemen ts
w ou l d w eak en t h e ar gu m en t
m ade by th e au th or in th e given
paragraph ?
(1) A n ewspaper article reported
an im provem en t in th e life-
style of m illion s of people af-
ter loan s were m ade easy to
avail to n ot on ly th e wealth y
bu t to all section s of society
(2) A m an alon g with h is fam ily
was forced to live on streets
aft er h e lost all of h i s life’s
earn in g to bu y lottery tick ets
(3) Profit earn ed from credit card
com p an i es h as b ecom e an
essen ti al com pon en t i n t h e
econ om y of a growin g n ation
(4 ) Last year ’s r ecessi on w as
m ain ly du e to losses in cu rred
by com pan ies offerin g loan s
as a large nu m ber of th eir cli-
en ts tu rn ed ou t to be defau lt-
er s
(5) Non e of th ese
210. Wh ich on e of th e ph rases given
b el ow t h e fol lowi n g st atem en t
sh ou ld be placed in th e bl an k
space provided so as to m ak e a
m eanin gfu lly correct sen ten ce in
th e con text of th e passage ?
___________, m an y State govern -
m en t s h ave been en cou ragin g
people to in vest th eir m on ey in
lottery.
(1) Despite th e fact th at lottery
generates su bstantial reven u e
(2) Sin ce it h as th e poten tial to
ru in lives of m illion s of peo-
ple
(3) In stead of edu catin g people
again st risk y fin an cial in du l-
gen ce
(4) Sin ce on ly on e-fifth of th e to-
tal world’s popu lation in vests
frequ en tly in lottery
(5) Non e of th ese
-234-

Di r ect i on s (2 1 1–2 1 8) : Read th e
following passage carefu lly and answer
th e qu estion s given below it. Certain
word s h ave been p rin ted in bol d t o
h elp you locate th em wh ile an swerin g
som e of th e qu estion s.
(Ban k Of Bar oda PO Ex am . 30.05.2010)
Thin k ing of what edu cation m ight
look lik e in th e next decade, on e qu ick ly
realizes th at th e tren ds in tech n ology
are leavin g a large n u m ber of ou r stu -
den ts beh in d. Today is an age of expo-
n en tial ch an ge. New an d ever -im prov-
in g tech n ologies are poppin g u p every
day an d in every corn er of society.
Edu cating th e best and th e bright-
est in th is brave n ew world will tak e a
n ew an d im proved edu cation al par a-
di gm . Allowin g ou r edu cation al tools
to age in th e corn er of th e classroom
will be th e m istak e th at m ay cost u s
ou r fu tu re. Th rowin g away m asses of
ch i ld ren t o i n eq u i t abl e access wil l
en su re th at we l an gu i sh at th e bottom
of th e global pool of em ployable work -
ers for decades to com e.
Tech n ology will sh ape th e way we
edu cate stu den ts in th e n ext decade.
A u ser is n ot simply a person who u ses.
For th e stu den t, bein g a u ser sh ou ld
involve u sing th e latest tech n ology in a
free an d au t on o m ou s m an n er. Th is
n ew-fou n d freedom will allow th e stu -
den t to becom e an active participan t
in h is/ h er edu cation in stead of a pas-
sive passen ger. In ou r cu rren t tech n o-
logical society, being a u ser also m eans
b ei n g t r ack ed . Tr ack i n g a st u d en t
m ean s having the ability to target edu -
c at i o n t o w a r d s w eak n ess es a n d
str en gth s. Th e abi li t y to accu r at el y
cu stom ize cu rricu la to th e in dividu al
h as been th e h oly grail of edu cation al
ph ilosoph y for m an y years. Th is gold-
en age of tech n ological developm en t
m ay soon en able this dream to becom e
a reality.
Cu rren t edu cational cu rricu la and
in dividu al assessm en t is ar bi t r ar y at
best. Accu rately assessin g a stu den t
can on ly be ach ieved by u sin g m odern
track in g an d datab ase tech n ologies.
Im agin e a world wh ere every ch ild h as
a tablet com pu ter with ready access
to th e in ter n et. Fu rth er, im agin e th at
every stu den t can access all th e k nowl-
edge of h u m an k in d freely at an y m o-
m en t in tim e. Con tin u e to im agin e a
world wh ere a m isspelled word brin gs
u p a spellin g ch allen ge application in -
stead of an au to correction . Try to con -
t em pl ate wh at i t wou ld m ean for a
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
teach er to h ave a dat abase of every
m isspelled word, every m isu n derstood
con cept or every m issed, equ ation for
each of th eir stu den ts. Try to en vision
a teach er with th e ability to cu stom ize
th e experien ce of th e in dividu al “u ser”
with m in im al effort. Im agin e th e cu r -
ricu lu m being au tomatically targeted to
th e u ser th rou gh an in tu itive edu ca-
tional platform that k nows all strengths
an d each u n iqu e weak n ess. In th e last
few h u n dred years, m ost in dividu als
wou ld consider an edu cation as som e-
th in g you receive. You often h ear th e
qu estion ask ed, “Wh ere did you receive
y o u r ed u cat i o n ?” As w e p r o ceed
th rou gh the n ext decade, edu cation will
slowly m ove away from reception an d
toward bein g cu stom design ed for th e
individu al u ser. New techn ology will not
on ly allow u s to receive an edu cation ,
bu t also devel op an edu cat ion . Th e
qu estion we m igh t ask in t en years,
“H ow d id you d evel op you r ed u ca-
t ion ?” Th e qu est ion of wh er e wil l st il l
be im p ortan t, bu t th e h ow of th e m at-
t er wi l l b e t h e focu s t h at d efi n es th e
individu al.
To m ak e this a reality we will n eed
a stan dardized platform from wh ich to
develop a stu den t’s u n iqu e edu cation .
Th is stan dardized platform will allow
u s to tailor a cu stom cu rricu lu m th at
will be m atch ed to talen ts, in terests
and life goals. For the edu cator, a stan -
dardized platform will create a way to
assist th e stu dent in discovering a tru e
pu rpose in life th rou gh a u n iqu e edu -
cation al experience. The basics of read-
in g, writin g an d arith m etic will n ot be
tau gh t as m u ch as th ey will be discov-
ered an d u sed. Learn in g will becom e
a r eci pr ocal experien ce between th e
teach er, th e stu den t an d th e m ach in e.
Un der a stan dard ized p lat for m ,
each of th ese th ree participan ts will
h ave a role to play. Th e teach er will be
th e facilitator, assistin g th e develop-
m en t of th e cu rricu lu m an d in spirin g
th e direction th e stu den t tak es. Th e
stu den t will be th e u ser, gath erin g re-
sou rces, sk ills an d k n owledge in an
efficien t an d m easu red sequ en ce. Th e
m ach in e will do th e work of data gath -
erin g an d an alysis, wh ich will assist
th e teacher and stu den t in refin in g th e
cu rricu lu m . Th is data gath erin g work
of th e m ach in e will also free th e teach -
er from th e bu rden of record-k eepin g
an d tediou s task s th at cu rren tly dis-
tract from th e real job of teach in g an d
learning.
COMPREHENSION TEST
Un d er a st an d ar d i zed sy st em ,
grade level will be far less im portan t.
Ach ievem en t an d progression will be
m easu red by accom plish m en t an d in -
telligen ce as a bench m ark for su ccess.
Th e qu estion of failu re or su ccess will
be irrelevan t and replaced with a stan -
dard an d con sisten t m easu rem en t of
poten tial an d overall in telligen ce. In -
form ation will n o lon ger be m issed bu t
con tin u ally reh earsed an d m on itored
for reten tion by th e m ach i n e. Task s
su ch as data track in g, reportin g an d
record k eepin g are cu rren tly accom -
plish ed m an u ally. Th ese task s cou ld
easily be del egat ed to an in tu itive da-
tabase. Developin g a stan dard to fol-
low wou ld elim in ate th ese task s an d
free th e teach er to do th eir m ain job of
teach in g stu den ts.
Th e n ext decade m ay m ark t h e
m om en t in h istory wh en all are gran t-
ed equ al access to tech n ology. Access
to qu ality edu cation will only be gained
throu gh investment and u niversal stan-
dardization of th is tech n ology. If we
con tinu e to divert wealth towards fru it-
less goals an d cor porat e greed, t h is
opportu n ity will be lost or h opelessly
delayed.
211. Accordin g to th e au th or, wh ich
o f t h e fo l l ow i n g w i l l b e t h e
ben efit(s) of in trodu cin g a stan -
dardized tech nological platform ?
(A) Poten tial of a ch ild will tak e
preceden ce over th e grades
h e/ sh e scores.
(B) Im p r ovi n g t h e edu cat i on al
syllabu s wou ld becom e easi-
er.
(C) Teach ers wou l d be abl e to
devote m ore tim e to teach in g.
(1) On ly (C)
(2) All (A), (B) an d (C)
(3) On ly (B) an d (C)
(4) On ly (A) an d (B)
(5) On ly (A)
212. Wh ich of th e following is/ are t rue
in th e con text of th e passage ?
(C) In th e presen ce of tech n olo-
gy each st u d en t wou l d re-
qu ire con stan t monitoring by
other individu als to maximize
learning.
(B) Ed u cat i on al p h i l osop h y i s
based on th e belief of tailor -
in g edu cation al syllabu s to
individu al stu dent capability.
(C) Th e au t h or visu al izes t h at
each st u d en t will h ave ac-
cess to tech n ology in th e fu -
tu re.
-235-

(1) On ly (A) an d (B)
(2) Only (B)
(3) Only (C)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C)
213. Wh ich of th e followin g is possi-
bly th e m ost appropriate title for
th e passage ?
(1) Tech n ology – A Welcom e Re-
lief to Teach ers
(2) Revam pin g th e Edu cation al
Sector – An Im possible Fu -
tu re
(3) Edu cation – Arbitrary Bu t a
Reality
(4) Technology an d th e Economy
(5) Tech n ology – Resh apin g th e
Fu tu re of Edu cation
214. How, accordin g to the au thor, will
th e perception towards edu cation
ch an ge over th e n ext decade ?
(1) Wh ere an in dividu al gets h is
edu cation will gain in creasing
im portan ce
(2) Edu cation will be viewed as a
prerogative of th e elite on ly
(3) Creativity in an in dividu al will
be regarded as n eedless
(4) Th e im portan ce of edu cation
will declin e
(5) Non e of th ese
215. Wh at does th e au th or m ean by
th e term “track in g a stu den t” ?
(1) An alyzin g th e stren gth s an d
weak n esses of a stu den t an d
designin g an edu cational syl-
labu s accordin gly
(2) Assessin g wh eth er a stu den t
is paying du e atten tion to th e
existing cu rricu lu m offered by
an in stitu te of learn in g
(3) An alyzi n g th e positi ves an d
n egatives of an edu cation al
institu te and modifying it su it-
ably to cater to in du strial re-
qu irem en ts
(4) Foll owin g a st u d en t t o t h e
edu cation al in stitu te th at h e
visit s frequ en t ly in ord er to
estim ate th e tim e h e spen ds
th ere
(5) Non e of th ese
216. Accordin g to th e au th or, wh y is
th e cu rren t edu cation provided
n ot satisfactory ?
(1) Th e teach ers providin g edu -
c at i o n a r e n o t q u al i f i ed
en ou gh to emph asize on qu al-
ity
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(2) Qu ality of edu cation provid-
ed is n ot u n iform across th e
globe an d in dividu al assess-
m en t is su bjective
(3) Th e ed u cat i on al sect or i s
frau gh t with corru pt practic-
es an d th u s does n ot produ ce
th e desired resu lt
(4) Th e edu cation system is n ot
gu i d ed b y t ech n ol ogy an d
h en ce th e pace of learn in g is
slow
(5) Th ere are too m an y sch ools
in th e cou n try wh ich can n ot
be m on itored effectively
217. Wh at is th e au th or’s vision re-
gardin g th e in tegration of tech -
n ology with edu cation ?
(A) A su bstan tial database con -
si st i n g of each st u d en t ’s
l ear n i n g c u r v e w o u l d b e
readily available.
(B) An error wou ld activate a soft-
ware which wou ld encou rage
learning rather than au to-cor -
rectin g.
(C) Experim en tation in academ -
ics wou ld be en cou raged.
(1) Only (C)
(2) On ly (A) an d (B)
(3) All (A), (B) an d (C)
(4) On ly (A) an d (C)
(5) Non e of th ese
218. How h as th e au th or defin ed th e
term ‘u ser’?
(1) On e wh o in vests in th e latest
t ech n ology even wh en i t i s
beyon d h is/ h er m ean s
(2) On e wh o u ses available tech -
n ology to th e m axim u m an d
for th e lon gest period
(3) On e wh o freely an d actively
p ar t i ci p at es i n acqu i r i n g
sk ills and k n owledge in a sys-
tematic m ann er
(4) An yon e wh o in vests in tech -
nology as per his/ her requ ire-
m en t an d wh erewith al
(5) Non e of th ese
Di r ect i on s (2 1 9–2 2 6) : Read th e
following passage carefu lly and answer
th e qu estion s given below it. Certain
words/ ph rases h ave been prin ted in
bold to h elp you locate th em wh ile an -
swerin g som e of th e qu estion s.
(Cen t ral Bank Of I ndi a PO
Ex am . 25 .0 7. 20 10 )
COMPREHENSION TEST
A few week s ago, a n ewsp aper
article qu oted a well k n own scien tist
sayin g, “IT h as destroyed In dian sci-
en ce”. On e can specu l at e abou t th e
variou s ways in wh ich th e growth of
th e IT sector an d oth er sim ilar k n owl-
edge in du stries su ch as biotech nology
h as led to a declin e in basic scien tific
research in In dia.
The most obviou s reason is m on -
ey; pay scales in IT an d BT are m u ch
h igh er th an on e can aspire to in aca-
demia. Th e argu m en t goes: why sh ou ld
a br i gh t B. Tech . or M.Sc. st u d en t
en roll in a Ph .D. programm e wh en sh e
can m ak e a lot m ore m on ey writin g
code? Not on ly does a fresh IT employ-
ee m ak e a l ot m or e t h an a fr esh
M.Tech . stu den t, h is/ h er pay will rise
m u ch faster in IT th an in academ ia. A
professor’s pay at a govern m en t-ru n
u n iversit y, even after t h e Si xth Pay
Com m ission , tops ou t at far less th an
a sen ior execu tive’s salary in a m ajor
indu stry.
Secon d, th e social stat u s of IT
an d BT jobs equ al or even exceed th e
social statu s of corresponding academic
position s, sin ce they are seen as k nowl-
edge in du stries, which plays to the best
an d worst in stin cts of th e societal or -
der. As qui n t essen t i al white collar pro-
fession s, neith er do th ey com pel a su c-
cessfu l en trepren eu r to resort to vio-
len ce an d corru ption , n or do th ey de-
m an d an y ph ysical labou r. Un lik e real
estate or road con stru ction , it is felt
th at IT work ers can becom e rich wh ile
stayin g h on est an d sweat-free.
Assu m ing that the labou r pool for
academ ia an d IT is rou gh ly th e sam e,
th e differen ce in ou r collective prefer -
en ces b iases t h e l ab ou r m ar k et to-
ward s IT an d away fr om academ i a.
Fu rth er, wh en th e im balan ce between
IT an d academ ia con tin u es for years
an d even decades, a destru ctive loop,
from academ ia’s poin t of view, is cre-
ated. Wh en ou r best an d brightest tak e
IT jobs over academ ic on es for a de-
cade or m ore, facu lty position s in ou r
u n iversities an d research cen tres are
n o lon ger filled by the best candidates.
As facu lty qu ality goes down , so
does th e capaci t y to train top-class
gradu ate stu den ts wh o, after all, are
teach ers in train i n g. In respon se to
decreasin g facu lty qu ality, even th ose
stu den ts wh o oth erwise ch oose an ac-
adem ic profession , decide to join in -
d u s t r y o r go ab r o ad f or t h ei r
stu dies.These foreign train ed gradu ates
-236-

prefer to com e back to corporate In dia
— if at all th ey do com e back — an d
th e down ward cycle replicates itself in
each gen eration . In oth er words, aca-
demia is trapped with in a perfect storm
created by a combin ation of social an d
econ om ic factors.
In th is socio-econ om ic calcu lu s,
th e m em bers of ou r societal classes
sh ou ld prefer an IT job to an academ ic
on e. Or, to p u t i t an oth er way, th e
k n owledge econ om y, i.e., th e creation
of k n owledge for profit, tru m ps th e
k n owledge society, i.e., th e creation of
k n owledge for its own sak e or th e sak e
of th e greater good. As is said, “k n owl-
edge is power, bu t m on ey is even m ore
power. Perh eps th e scien tist was al -
l udi n g to th is victory of capitalism over
th e pu rsu it of pu re k n owledge wh en
h e accu sed IT of h avin g a n egative in -
flu en ce on In dian scien ce.
Su rely, k n owledge h as becom e a
com m qdity lik e an y oth er an d as a re-
su lt, k n owledge work ers are lik e an y
oth er l ab ou r ers, wh o wi l l sel l t h ei r
wares to th e h igh est bidder. On e solu -
tion is to accept an d even en cou rage
th e com m oditization of k n owledge; if
so, In dian u n iversities an d research
cen t r es sh ou l d cop y t h ei r west er n
cou n terparts by becom in g m ore an d
m ore lik e corporation s. Th ese cen tres
of learn in g sh ou ld con vert th em selves
in to en gin es of growth . In th is logic, if
we in crease academ ic salaries an d re-
search gran ts to m atch IT paych equ es
we will attract good people in to aca-
dem ia, wh ere, in an y case, i t is ru -
m ou red th at a certain el u si v e feelin g
called ‘th e qu ality of life’is better.
219. Accordin g to th e passage wh at
did th e scien tist actu ally m ean
wh en h e said, “IT h as destroyed
In dian Scien ce ?”
(1) Th e cen tresm ean t for Scien -
tific research are being u tilized
by IT in du stries
(2) Th e IT in du stry does n ot em -
ploy people pu rsu in g h igh er
stu dies
(3) As information is readily avail-
able on th e in tern et becau se
of IT, th ere is n o n eed to seek
fu rth er in form ation
(4) IT h as distorted th e tru th as
stated by in dian scien ce
(5) Th e d esi r e for m on ey h as
oversh adowed th e search for
k nowledge
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220. Wh ich of th e followin g is possi-
bly th e m ost appropriate title for
th e passage ?
(1) Is th e Fu tu re of IT Brigh t ?
(2) Th e IT In du stry an d the World
Econ omy
(3) Research an d Academ ics —
Losin g th e Battle Again st IT
(4) Scien tific Research an d th e
Need for Well — Train ed Fac-
u lty
(5) Information Technology and its
Advan tages
221. Wh y does th e au t h or say th at
k n owled ge h as becom e a com -
m odity ?
(1) As it is n o lon ger desirable in
an y profession al field
(2) As th ere are too m an y edu ca-
tion al in stitu tes in th e cou n -
try wh ich do not provide qu al-
ity edu cation
(3) As k n owledge is n ow available
easily as compared to the past
(4) As k n owledgeable people sell
th eir services for th e h igh est
price possible
(5) Lik e com m odities k n owledge
too becom es stale after a cer -
tain period
222. Wh at, accordin g to th e au th or, is
a destru ctive loop ?
(1) Man y people qu it th eir exist-
in g jobs to work in th e IT in -
du stry wh ich in tu rn leads to
th e down fall of th e oth er in -
du stries .
(2) Th e fact th at th e best m in ds
do n ot wan t to becom e teach -
ers an d th is in tu rn leads to
good stu dents seek in g k n owl-
edge elsewh ere
(3) Th e fact th at people work in g
in th e IT in du stry do n ot pu r -
su e h igh er stu dies wh ich in
tu rn leads to the deterioration
in qu ality of em ployees
(4) Th e u n en din g u se of resou rc-
es by th e IT in du stry leadin g
to a dearth of resou rces in th e
cou ntry
(5) Less gran ts are bein g provid-
ed by th e Govern m en t to ac-
adem ic in sti t u tes wh ich i n
tu rn leads to poor qu ality stu -
den ts join in g th e sam e
223. Wh ich of th e followin g men tion ed
below is/ are the au thor’s su gges-
tion / s to prom ote in terest in In -
dian academia ?
COMPREHENSION TEST
(A) Res ear ch cen t r es sh o u l d
adopt th e corporate cu ltu re as
is don e in th e West.
(B) Lessen in g th e n u m ber of re-
search gran ts given .
(C) M ak i n g acad em i c sal ar i es
equ ivalen t to th ose paid in IT
indu stries.
(1) On ly (C)
(2) On ly (A)
(3) On ly (B) an d (C)
(4) On ly (A) an d (C)
(5) Non e of th ese
224. Wh ich of t h e foll owin g is NOT
T RUE in th e con text of th e pas-
sage ?
(A) It is believed th at th e qu ality
of life is better wh en pu rsu -
in g scien tific research .
(B) People cu rren tly seek k n owl-
edge on ly for th e greater good
of th e society
(C) Mon ey is n ot perceived to be
as powerfu l as k n owledge.
(1) On ly (A) an d (C)
(2) On ly (B)
(3) On ly (A) an d (B)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C)
225. Wh ich of th e followin g accordin g
to th e au th or, are factors respon -
sible for th e declin in g in terest in
scien tific research ?
(A) Slower pr ogress of work i n
resear ch
(B) Lesser m on etary com pen sa-
tion in research related activ-
ities
(C) Societal perception towards
resear ch
(1) On ly (A) (2) On ly (C)
(3) On ly (B) an d (C)
(4) On ly (A) an d (B)
(5) All (A), (B) an d (C)
226. Wh ich of t h e foll owin g is t r u e
abou t th e perception towards IT
jobs as given in th e passage ?
(A) Th ey are ph ysically tirin g.
(B) Th ey ar e con si d er ed t o b e
m an agerial level jobs.
(C) They requ ire u sage of dish on -
est m ean s.
(1) Only (B)
(2) On ly (A) an d (B)
(3) On ly (C)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C) are tru e
-237-

Di r ect i on s (2 27 – 23 7 ) : In the fol-
lowin g two passages, View an d Cou n -
terview on a topic are presen ted. Read
the passages and an swer the qu estion s
given below th em . Som e words in th e
passages are prin ted in bol d to h elp
you locate them while an swerin g som e
of th e qu estion s.
(Sy n di cat e Ban k PO Ex am . 29.08.2010)
VIEW
Mon tek Sin gh Ah lu walia is righ t.
Let’s j un k the acron ym BIMARU, sh ort
for Bih ar, MP, Rajasth an an d UP. Th e
term was coin ed in th e 1980s to de-
n ote th e fou r stat es’ back ward n ess.
Mu ch h as ch an ged sin ce. In post-re-
form s In dia, m an y poor states m ark -
edly im proved th eir sh owi n g. In fact,
better -off states lik e Pu n jab h ave seen
decel er at ed growth in recen t tim es.
Bu t five of In dia’s eigh t laggard states,
i n cl u d i n g B i h ar an d Or i ssa, h ave
grown faster th an th e global 7 per cen t
ben ch m ark for ‘m iracle’growth . On ce
th e worst-perform in g, Bih ar expan d-
ed at an an n u al average of 11 per cen t
between 2004-05 an d 2008-09. UP too
didn ’t do too badly at 6.29 per cen t.
Fu rth er proof of Bh iar’s in spirin g
tu rnarou nd is th at, in 2008-09, it grew
at a h igh 16.59 per cen t at con stan t
prices. Rajasth an ’s perform an ce h as
been im pressive over th e years as well.
A stu dy reveals per capita in com e in
th e so-called Bim aru states h as begu n
to grow at a h ealth y 13 per cen t. Un -
su rprisin gly, th e last m ovin g con su m -
er goods sector is eyein g th em as m ar -
k ets providin g aven u es for expan sion .
Even m ore rem ark ably, all fou r h ave
clim bed th e ran k s as in vestors’‘pref-
erable destin ation s’. An d th e ch asm
between rich an d poor states h as n ar -
rowed on m an y socio-econ omic m ar k -
er s lik e edu cation .
Tru e, poverty an d u n derdevelop-
m en t h aven ’t van ish ed. Bu t th e prob-
lem is th at BIMARU is n o lon ger u sed
as ju st a h an dy term to reflect th at.
Su ggesting irredeemable hopelessness,
it’s com e to m ean ch ron ic back ward-
n ess an d sick n ess. Su ch derogatory
con n otations can on ly dem oralise peo-
ple in t h e places i t refers to. States
desperately tryin g to better th eir so-
cio-econ om ic report cards don ’t n eed
th at k in d of psych ological dam pen er.
Besides, even in real term s, BIMARU
is in creasin gly bein g ch allen ged. Wh y
n ot give th e n am etag a tim ely bu rial ?
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COUNTERVIEW
Wh en dem ograph er Ash ish Bose
coin ed th e BIMARU acron ym , h is pu r -
pose was clearly to categorise an d seg-
regate th e states retarding India’s over -
all developm en t process. Rath er th an
tryin g to be politically correct, Bose’s
objective was to iden tify ‘grey’ states
in In dia’s m ap an d spu r action on th e
part of th e govern m en t. Th ere h as to
be an h on est yardstick to distin gu ish
between h igh -perform in g an d poorly
perform in g states.
Th ese states m ay h ave registered
h igh er growth rates th an before, bu t
th eir perform an ce rem ain s di sm al in
term s of h u m an developm en t in dica-
t or s (HD I). Fact or i n per capi ta in -
com es, literacy rates, poverty, h ealth
an d n u trition levels, an d th ese states
still h ave a lot of catch in g u p to do.
High growth rates in some states don ’t
n ecessarily m ean in clu sive growth for
all regions an d segm en ts of popu lation.
Bih ar’s im pressive 11.03 per cen t an -
n u al gr owth , on p ar wit h Gu jarat’s
11.05 per cen t, is presen ted as a m as-
sive tu r n arou n d. However, Bih ar still
ran k s lowest am on g In dian states in
HDI, accordin g to th e Han dbook on
Social Welfare Statistics-2007.
Fu rt h er, l i ter acy i n In d ia’s t wo
m ost popu lou s states, Bih ar an d UP,
am ou n ts to ju st 47.53 per cen t an d
57.36 p er cen t respectively. UP h as
also r egistered th e h igh est m atern al
m ortality rates per 1,00,000 birth s at
53 9, foll owed by Raj asth an at 50 1,
Orissa at 424, Madh ya Pradesh at 407
an d B ih ar at 4 0 0. Th ese st ates lag
behin d in in frastru ctu re developmen t,
access to pu blic amen ities an d corru p-
tion-free govern an ce. To top it all, th ey
ar e am on g t h e worst Nax al -affect ed
states. The arc of deprivation described
by th e BIMARU acron ym still rem ain s
relevan t.
227. As per th e view, th e acron ym in -
dicates/ den otes ________
(1) Hopelessn ess
(2) Developm en t
(3) Focu s States
(4) Correct pictu re
(5) In clu sive growth
228. Wh ich of th e followin g is con sid-
ered a global ben ch m ark of good
average growth rate ?
(1) 3 (2) 4
(3) 7 (4) 11
(5) 5
COMPREHENSION TEST
229. In t h e vi ew, wh ich St at e’s ex -
t r aor d i n ar y gr owt h h as b een
h igh lighted ?
(1) HP (2) Bihar
(3) Rajasthan (4) Orissa
(5) UP
230. Which of th e followin g can be th e
best su m m ary tag for th e poin ts
expressed in th e passage ?
(1) New m ark ets providin g ave-
n u es for expan sion
(2) On ly if you call th em good,
will th ey be better
(3) It is n o lon ger relevan t
(4) HDI is as important as growth
rates
(5) Wh at is th ere in a n am e or an
acron ym ?
231. Wh at was th e pu rpose of coin in g
th e acron ym ?
(1) To be politically correct
(2) To in dicate per capita in com e
(3) To h igh ligh t th e states sh ow-
in g better growth
(4) To den ote th e st ates wh i ch
n eed govern m en t’s m ore fo-
cu sed atten tion
(5) T o co m e u p w i t h a t er m
wh i ch i s acron ym wi th En -
gl i sh al p h ab et s b u t h as a
m ean in g in Hindi to stan d for
a sym bol of im provem en t
232. According to th e information pro-
vided, besides th e five ou t of th e
eigh t States, wh ich of th e follow-
in g is on e of th e oth er laggard
States?
(1) MP
(2) Rajasthan
(3) Haryana
(4) Not men tioned
(5) Non e of th ese
233. Wh ich of t h e fol l owin g p oin t s
h igh ligh ted in th e View is also
ack n owled ged as a fact in t h e
Cou n terview ?
(1) Th e gr o w t h r at e o f t h ese
states can be con sidered as
a m ajor tu rn arou n d
(2) Th ese states h ave registered
high er growth rates compared
to th at of earlier years
(3) Th e acron ym still rem ains rel-
evan t
(4) Th e con n otation can dem or -
alize people in th e places it
refers to
(5) It is h igh tim e th at we gave
th e n am etag a bu rial
-238-

234. Wh ich of t h e fol l owin g p oin t s
h ighligh ted in th e Cou n terview is
also ack n owledged as a fact in
th e view ?
(1) Mu ch h as ch an ged sin ce th e
acron ym was coin ed h en ce it
h as lost its relevan ce
(2) Poverty an d u n der develop-
m en t in th ese states are still
prevalen t
(3) Bihar still rank s lowest among
In dian States in HDI
(4) Th e yardstick to distin gu ish
between high -perform in g an d
p oor ly-per form i n g st ates i s
h on est an d valid
(5 ) In sp i t e of t h e d ep r i vat i on ,
t h ese st at es ar e i n vest or s’
preferable destin ation s
235. Bih ar, in ter m s of positive ou t-
l ook h as b een com p ared wi t h
wh ich of th e followin g states ?
(1) Orissa (2) MP
(3) UP (4) Pu njab
(5) Gu jarat
236. Wh ich of th e followin g is n ot in -
clu ded as on e of th e cou n terview
poin ts ?
(1) Th ese states h ave n ot sh own
im provem en t in th e growth
rate
(2) Th ese states perform an ce is
poor on HDI
(3) Th e growth in th ese states in
n ot inclu sive
(4 ) Con si d er i n g t h e p r efai l i n g
facts, th e acron ym is still rel-
evan t
(5 ) Th e l i t er acy r at e i n t h ese
states is still low
237. Wh i ch period is b ein g refer red
to as h avin g brou gh t abou t th e
ch an ge and im provem ent in per -
form an ce ?
(1) Post-in depen den ce
(2) 1980s
(3) Last 5 years
(4) Re-organ isation of states
(5) Non e of th ese
Di r ect i on s (2 3 8 –2 4 5 ) : Below is
given excerpts from an in terview with
th e Ch ief of an organ ization . An swer
th e qu estion s based on th e in terview.
(Sy n di cat e Ban k PO Ex am . 29.08.2010)
Nat i on al H ou si n g Ban k (NH B)
cam e ou t wi t h a r ev er se m or t gage
product four y ears back . Th e i dea was
t o gi ve peri odi c i n com e t o sen i or ci t -
i zen s. Wh y di d t h at sch em e n ev er
t ak e off ?
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
I won ’t say th e sch em e n ever took
off. Probably, it did n ot m eet expecta-
tion s, wh ich were too h igh . It was es-
sentially for liqu efying th e existin g debt
asset for th e sen ior citizen . All over th e
world, it is a n iche program m e an d n ot
a m ass program m e, wh ere everybody
can get in to it. In In dia, th ere are cu l-
tu ral issu es. Th ere are sen ior citizen s
wh o h ave told m e th at th eir ch ildren
treat th em badly, bu t still wan t th eir
h ou se to go t o th em . Th erefore, th e
reverse mortgage produ ct appeals only
to som e people. Th ose wh o don ’t h ave
ch ildren or wh o are sin gle, or wh ose
ch ildren h ave totally dissociated from
th em an d settled abroad, or wh o n eed
it for a sh ort period.
Yes, it (per for m an ce of old prod-
u ct) is a bit disappoin tin g, bu t overall
it is n ot too bad. In ou r old produ ct,
we gave loan s worth abou t Rs. 1,800
crore. Th ere are m an y people who don ’t
h ave a h ou se, we can ’t cater to th em .
So th e m ark et itself is som ewh at re-
str icted.
I s awar en ess al so a pr obl em ?
Yes, to som e exten t bu t awaren ess
am on g sen ior citizen s h as im proved
sign ifican tly. So th ere cou ld be som e
issu s of delivery; ban k s m ay n ot be
very aggressively deliveri n g th i s. So
they (sen ior citizen s) m ay n ot be aware
of th e n u an ces of th e produ ct. Also,
th ere is n o special in cen tive for sen ior
citizen s; ban k s ch arge n orm al in terest
rate. Th en , th e m ark et is lim ited.
Earlier, th e problem was th at th e
maximu m tenor available was 20 years,
u n der th e n ew an n u ity sch em e, th e
term can be u p to a person ’s lifetim e.
How i s t h e n ew r everse m ort gage
pr odu ct goi n g t o sh ape u p aft er an -
n u i t y h as been i n t egr at ed wi t h i t ?
H ow h as t h e r espon se been so far ?
People are still tryin g to u n der -
stan d; th e an n u ity sch em es are a little
com plicated. We ar e get tin g a lot of
en qu iries and sanction s h ave also tak -
en place bu t n ot m u ch .
T h er e i s som e con fu si on abou t
h ow i n com e fr om t h e n ew r ev er se
m or t gage pr odu ct wi l l be t ax ed. So,
wi ll ot h er ban k s laun ch t h e product ?
Th ere is n o con fu sion . Abou t 23–
25 ban k s were already offerin g th e old
p r od u ct . Tod ay, b ot h sch em es ar e
available. It is th e ch oice of th e cu s-
tom er. In th e old produ ct, in com e is
exem pt in th e h an ds of sen ior citizen s.
In th e an n u ity produ ct, it is n ot ex-
COMPREHENSION TEST
em pt sin ce th e am ou n t is h igh er an d
for lifetim e.
Bu t u n der th e Incom e-tax Act, any
an n u ity is taxed. Wh at we plan to do
is to approach th e govern m en t before
n ext year’s bu dget to m ak e an n u ity
u n d er t h i s n ew r ever se m or t gage
sch em e tax-free sin ce th e old produ ct
is also tax-free. Th ere is n o differen ce
between th e two produ cts, except th at
we h ave stru ctu red i t as an n u ity to
tak e care of th e lon gevity risk wh ich
th e in su ran ce com pan y can tak e. Bu t
th e fu n dam en tal n atu re of th e loan is
th e sam e as loan again st property. It
is gettin g taxed becau se of th e word
annu ity.
238. Wh ich of th e followin g is essen -
tial for availin g th e sch em e ?
(1) Own in g a h ou se
(2) Bein g a sen ior citizen
(3) Ownin g a h ou se in particu lar
states
(4) B ei n g a Sen ior cit izen an d
own in g a h ou se
(5) Sen ior citizens not having reg-
u lar incom e
239. Th e p r od u ct b ei n g d i scu ssed
i s _______
(1) Loan for bu yin g a h ou se
(2) Loan for bu yin g an old hou se
by sen ior citizen s
(3) Loan for bu yin g a h ou se in
th e n am e of sen ior citizen s
(4) Loan again st a h ou se to th e
ch ildren of sen ior citizen s
(5) Non e of th ese
240. Wh ich of th e fol lowi n g can be
in ferred ?
(1) Accord in g to t h e Ch ief, t h e
sch em e n ever took off
(2) Th e p r od u ct h as n ot b een
lau n ch ed by m an y cou n tries
(3) The produ ct h as been revised
(4) Th e produ ct h as th e poten -
tial to h ave a m ass appeal
(5) The produ ct h as n ot su cceed-
ed i n an y of t h e cou n t r i es
wh ere it was lau n ch ed
241. Wh ich of th e followin g is a m ajor
action poin t ?
(1) Tryin g to get tax exem ption
for th e produ ct
(2) Droppin g th e word m ortgage
from th e sch em e
(3) In creasin g th e ten u re of th e
loan
(4) Merging two existing schem es
(5) Droppin g th e word ‘reverse’
from th e sch em e
-239-

242. Wh ich of th e followin g m ay n ot
h ave an y role in proposin g/ revis-
in g/ lau n ch in g/ deliverin g or be-
in g a stak e-h old er role in th e
sch em e ?
(1) Ban k s
(2) In com e Tax Departm en t
(3) Stock Exch an ges
(4) In su rance Com panies
(5) Govern m en t
243. To wh ich of th e followin g wou ld
th is sch em e appeal th e least ?
(1) Those wh o don’t have children
(2) Th ose wh o don ’t wan t to give
their property to th eir children
(3) Th ose wh o are treated badly
by th eir ch ildren
(4) Th ose wh o are stayin g with
th eir ch ildren
(5) Th ose wh ose ch il dren h ave
dissociated from th em
244. Th e fu n dam en tal n atu re of loan
is, loan again st ________
(1) Gold (2) Property
(3) Annu ity (4) Pension
(5) Gu aran tee
245. Wh en was t h e an n u i t y l i n k ed
su ch produ ct lau n ch ed ?
(1) Fou r years back
(2) Th ree years back
(3) 20 years back
(4) J u st on th e day th is in terview
is recorded
(5) Non e of th ese
Di r ect i on s (2 4 6–2 5 0) : Read th e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bol d to h elp you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(Pun j ab Nat i on al Ban k Speci al i st
Of f i cer Ex am . 24.10.2 010)
At th e t im e wh en t h e u n fort u -
n ate in ciden t of t h e ‘accid en tal’exp o-
su re to r adi ati on t h at affected wor k -
er s an d wast e coll ect ors in Del h i as
th ey h an dled radioactive m aterial, took
place, th e issu e of waste disposal, par -
ti cu l arl y h azardou s wast e, m ad e t h e
h eadl in es. Th e li ves of th ose wh o li ve
off collecti n g an d sor tin g waste cam e
in to ou r lin e of vi sion . Bu t th en t h e
issu e disapp eared.
Lon g term policies th at en su re
th at the safety an d h ealth of those wh o
do su ch an essen tial job — “a com m u -
n ity of silen t en viron m entalists” some-
on e call ed t h em -are n ot su ch a h i gh
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
pr ior ity an y m ore. On e reason is th at
th e people affected ar e vi rtu ally in vi s-
ible.
Wast e col lector s arou n d In di a
work silen tly, often late in to th e n igh t,
sorti n g ou t m ou n tain s of waste, fo r -
agi n g for an yth in g th at can be sold. If
you walk down som e str eet s of cen -
tral Mu m bai after 11 at n igh t, you will
see an ar m y of wast e coll ect ors. Men ,
wom en , ch ild ren are al l h ard at wor k .
Th ey wor k t h rou gh th e n i gh t an d fi-
n all y m an age to get som e sleep on th e
d oo r st ep s o f t h e sh o p s o n t h ose
st reets. By dayligh t th ey becom e i n -
visible, h avin g stowed th eir belongings
in boxes beh in d th e sign s of th e sh ops
on wh ose doorst eps th ey sleep. Th ese
ar e t h e peop le of th e n i gh t, n ot n o-
ti ced by th ose wh o i n h abi t th e areas
in th e day.
Wh at i s often n ot en tirely appre-
ci ated is th at a su bst an t ial per cen t-
age of waste collector s i s wom en . Ac-
cor d i n g t o a st u d y , 8 5 p er cen t of
waste col lector s in th e city are wom -
en , five per cen t are ch i ldr en an d 10
per cent are m en . Th e majority of th em
ar e p oor an d l an d l ess p eop l e wh o
cam e to th e ci ty b ecau se of dr ou gh t
in th eir vi llages. Th e age grou p ran g-
es fr om 7 to 70 years an d 98 per cen t
of t h em ar e i l l i t er at e. A su r vey of
60 ,00 0 waste collectors fou n d a si m -
il ar propor tion : 6 0 p er cen t wom en ,
20 per cen t m en an d 20 per cen t ch i l-
dr en . St u di es h ave revealed th at 90
percen t of t h e wom en wast e pi ck ers
are prim ary bread-win n ers, often wid-
owed or deserted. It is in terestin g h ow
th e gen der division of labou r plays ou t
even in th e bu sin ess of wast e. Wh i le
women, an d ch ildren, do the more h az-
ar dou s job of sort in g an d separ ati n g
th e wast e, t h e m en deal with th e d ry
gar b age, w h i ch t h ey t r an sp or t t o
wh ol esalers an d fact ories. As a resu lt,
it is th e wom en wh o ar e exposed to
h azar dou s waste -n on e of th em wear
an y k in d of protect ive gear - an d al so
face the physical problems of constant-
ly ben d in g an d carr yin g h ead loads of
th e waste. Look at an y gr ou p of waste
collector s an d you wil l spot th e ben t
ol d wom en wh o h ave been per for m -
in g t h is fu n cti on for decades.
I n t h e sl u m - ci t y of M u m b ai ,
waste collector s experien ce th e m ost
acu te degree of h om el essn ess. Wh i le
p oor p eop l e in ot h er k i n d s of j ob s
som eh ow m an age to fin d som e sh el-
ter i n a sl u m , ir resp ect ive of wh eth er
COMPREHENSION TEST
it is legal or ill egal , wast e collectors
sl eep n ext to th e gar bage t h ey h ave
sorted. Th is is th eir “wealt h ”, som e-
th in g th ey h ave to protect after th ey
h ave collected an d sorted it u n t il t h ey
can m o n et i z e i t. H en ce, n ear m an y
garbage d u m p s, even in th e b etter off
localities of cities lik e Mu mbai, you see
fam ilies of waste pick ers asleep in th e
m orn i n g. An d m ost often you see on ly
wom en an d ch il dren .
Wh y b rin g u p waste collectors
at a tim e wh en th e m ain en viron m en -
tal i ssu es bei n g debated ar e t h e lar g-
er issu es of gl obal warm i n g, or en vi-
ron m en tal d isaster s su ch as th e oil
sp il l i n th e Gu lf of M ex ico? Th i s is
becau se on e can n ot sp eak of th e en -
vironm ent withou t con si der i n g its im -
pact on th e lives of people. We h ave
h u n d reds of sm all-scale an d con t in u -
i n g en vi ron m en t al d isast er s t ak i n g
pl ace al l ar ou n d u s. Bu t we overlook
th em so l on g as th ey d o n ot i m pact
ou r l ives or ou r l ifestyl es. Mi llion s of
wast e p i ck ers in In d i a, wh o pl ay a
cr u cial role i n deali n g with th e peren -
n ial en viron m en tal crisis of waste, risk
th eir li ves an d th eir h ealt h every si n -
gl e d ay. Th i s i s an on -goin g en viron -
m en tal issu e th at r equ ires as m u ch
at ten t ion fr om ord in ar y peop le, th e
m edia an d policy m ak ers as t h e lar g-
er m acro issu es.
246. W h y ar e l o n g t er m p o l i c i es
favou r in g wast e col lector s n ot
h igh pri orit y ?
(1) Th e Govern m en t is cu r ren t-
ly con tem platin g over th e ef-
fect s of th e oil spi ll in t h e
Gu lf of M exi co an d does n ot
h ave tim e for oth er issu es.
(2) Th e p ligh t of t h ese p eop le is
n ot eviden t as th ey work late
in to th e n igh t an d are n ot
seen m u ch d u ri n g th e day.
(3) The Govern m en t is u n able to
see t h ese peopl e at al l an d
t h u s i s n ot awar e of t h ei r
ex isten ce.
(4) Th ese waste collectors them -
selves ar e n ot i n favou r of
bei n g b rou gh t in to th e or ga-
n i sed sector becau se of t h e
n u m erou s com plication s in -
vol ved .
(5) As previou s su ch favou rable
policies failed to im prove th e
con d i t i on s of t h ese wast e
collector s as t h ey wer e n ot
im plem en t ed effecti vel y.
-240-

247. Wh ich of th e followin g is t r u e
ab ou t waste coll ect ors as given
in th e p assage ?
(A) Major ity of waste collectors
are people wh o h ave m igr at-
ed from th eir village becau se
of som e n atu ral calam i ty.
(B) Wast e col l ect or s p r efer t o
sl eep n ex t t o t h e gar b age
th ey h ave sorted.
(C) Most waste collectors are n ot
liter ate.
(1) On ly (B)
(2) On ly (A) an d (B)
(3) On ly (C)
(4) On ly (B) an d (C)
(5) Al l (A), (B ) an d (C) are tr u e
248. Wh y are wom en waste collectors
at a disadvan tage as com par ed
to th e m en wast e coll ectors as
m en ti on ed i n th e p assage ?
(1) Th e m en sell th e waste col-
l ec t ed b y t h e w o m en t o
wh ol esalers an d k eep all th e
money to themselves with ou t
sh ari n g it with th e wom en .
(2) The women do th e m ore dan -
gerou s an d p h ysical work of
sorti n g t h rou gh th e garbage
wh ereas m en m ostl y t ran s-
port dry garbage
(3) M en w ear p r ot ect i ve gear
wh i l e sor t i n g t h r ou gh t h e
gar b age t h er eb y sh i el d i n g
t h em sel ves fr om th e il l ef-
fects of bein g exp osed t o t h e
wast e.
(4) Th e m en for ce th ei r wi ves
an d ch i l d r en t o w or k for
th em wh ereas th e wom en do
n ot h ave th i s lu xu r y.
(5) Th e m en are n ot as affect ed
by th e wast e as t h e wom en
waste col lector s b ecau se of
th e d ifferen ce in th eir ph ys-
ical con stitu tion .
249. Wh ich of th e followin g i s p ossi-
bly th e m ost appropriate title for
th e p assage ?
(1) Th e General Pu blic’s Apath et-
ic Ways
(2 ) Th e Un organ ized Sect or
(3) Th e In vi sib le Waste
(4) Wast e Col lector s – Th e World
Over
(5) Recogn i si n g t h e ‘Wor k ’ i n
‘Dirty Work ’
250. Wh y, acor din g to th e au th or, is
th e i ssu e of waste collectors as
im por tan t as t h e i ssu e of glob al
warm i n g ?
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
COMPREHENSION TEST
(A) As m ost wast e coll ectors in In dian s are k n own for th eir ob-
bi g cities are ch i ldren wh o sessive an d com pu lsive fascin ation for
ar e u lti m at ely th e fu tu re of gold. In dia is th e largest im porter an d
ou r n ation . largest con su m er of th e yellow m etal
(B) As wi th ou t th e waste collec- as In dian s bu y abou t 25 percen t of th e
tors sort in g waste th e ph e- world’s gold. In 2008, In dia im ported
n om en on of global warm i n g arou n d 400 ton s of it. Abou t 80 per -
wou ld i n crease expon en tial- cen t of th e world’s extracted gold is
ly. fash i on ed as jewellery. However, most
(C) As waste collectors deal with of u s don ’t k n ow or don ’t th in k abou t
wastage wh i ch im p act s t h e th e en viron m en tal cost of th e m etal.
peopl e’s everyd ay lives an d For in stan ce, extractin g en ou gh gold
is al so en viron m en tally si g- to for ge a solitary, n o-frills weddin g
n ifican t. band u ltim ately tran slates in to rou gh -
ly 20-30 ton s of waste. At som e m in es
(1 ) On ly (B) an d (C)
in Nevada (USA), 100 ton s or m ore of
(2) On ly (A)
earth h ave been excavated for a sin gle
(3 ) On ly (A) an d (B) ou n ce of gold.
(4) On ly (C) Th e wast e i s of two form s: r e-
(5) All (A), (B ) an d (C) du n dan t rock , wh ich is typically piled
Di r ect i on s (2 5 1 –2 5 3 ) : Choose as flat h eaps in location s n ear th e m in -
t h e wor d / gr ou p of wor d s wh i ch i s in g si te an d th e efflu en t or tail in gs
m ost si m i lar in mean in g to th e word/ which are a resu lt of ch em ical process-
gr ou p of wor d s p r i n ted i n bo l d as in g of th e m in ed ore. Su lph ides in th e
u sed in th e passage. r ed u n d an t r ock r eact wi t h oxygen ,
251. I NH ABI T m ak i n g su lp h u ri c aci d wh i ch frees
h eavy m etals lik e cyan ide, cadm iu m ,
(1 ) r esi de in (2) en com p ass
lead an d m ercu ry h arm fu l to people
(3 ) i n fest (4 ) su bm er ge
even at m in iscu le con cen tration s. Th e
(5 ) ar e u sed to tailin gs com pon en t is typically a th ick
252. FORAGI NG slu rry laced with cyan ide, alu m in u m ,
(1) pen etratin g (2) in cisin g copper, lead, an d m ercu ry; en ou gh to
(3) probin g (4) beggin g deci m at e fish popu lation s of water en -
(5) search in g viron m en ts it is disposed of in to. Dis-
posal of wet tailin gs in to water bodies
253. M ONET I ZE
h as been effectively ban n ed in devel-
(1 ) cu rren cy (2 ) b u y
oped cou n tries bu t it con tin u es to be
(3 ) en cash (4) regu late practised in m ost developin g n ation s.
(5 ) p ay Th ere is also a very real dan ger of su r -
Di r ect i on s (2 5 4 –2 5 5 ) : Ch oose face water an d grou n dwater table con -
t h e wor d / gr ou p of wor d s wh i ch i s tam in ation on accou n t of th ese h eavy
m o st o p p o si t e i n m ean i n g t o t h e m etals.
word/ grou p of word s p rin ted in bo l d In fact , gold m in in g gen erates
as u sed in t h e passage. m ore waste per ou n ce th an an y oth er
254. CONSI DERI NG metal an d th e effects are startling. Min-
(1) u n tying (2) rem em berin g in g for gold h as left h u ge gou ges on
th e face of th e earth , so m assi v e th at
(3) u n derstan din g
th ey can be seen from space.
(4) disr egardin g
Accordin g to a stu dy, respirato-
(5) condem nin g
ry ailmen ts, soil an d water contam in a-
255. H AZARDOUS
tion , th ick blan k ets of du st, with erin g
(1) pleasan t (2 ) effi cien t of cocon u t trees an d ch an ges in lan d
(3) importan t (4 ) r isk y pattern u se are som e of th e com m on
(5) h arm less featu res of th e u rban area arou n d a
Di r ect i on s (2 5 6 -2 6 3) : Read th e p ar t icu lar gold m i n e i n Kar n at ak a.
following passage carefu lly and answer Man y areas are reported to h ave be-
th e qu estion s given below it. Certain com e in fertile becau se of soil con tam -
words/ ph rases h ave been prin ted in in ation . Th ey con tain a percen tage of
bol d to h elp you locate th em wh ile an - h eavy m etals en ou gh to retard plan t
swerin g som e of th e qu estion s. growth .
(Un i t ed Ban k Of I n di a PO Sim ilarly, accordin g to an oth er
Ex am . 14. 11.20 10) report in 2008, n early seven years af-
-241-

ter th e closu re of th ese m in es, th e peo-
ple of th is region con tin u e to face seri-
ou s environ m en t an d health problems,
particu larly in J u ly and Au gu st, du e to
win ds in th ese m on th s th at carry with
th em cyan ide particles from th e du st
piles in th e aban don ed m in es. Wh en
th e m in es were operation al, a layer of
red soil u sed to be pu t over th ese du st
piles before th ese cru cial m on th s to
preven t th e cyan ide particles from be-
in g carried away by th e h eavy win ds.
Now th at th e m in es h ave been closed,
th e m itigative m easu res h ave ceased
as well.
People from socially and econom-
ically marginalized commu nities tu rn to
m in in g to escape acu te poverty, u n -
em p l oym en t , an d l an d l essn ess. In
som e cases, th eir h om es an d far m s
m ay be ‘acqu ired’ for large-scale gold
m in in g. Wh ile com pen sation is prom -
ised to th em , it m ay tak e a year or two
to k ick in . Till th en , forced to ek e ou t
a bare livelih ood m ostly in a k in d of
lottery system , th ey resor t t o cru de
m eth ods to separate an y fleck s of gold
th at m ay b e th er e in t h e d iscard ed
waste rock u sin g m ercu ry. In th e pro-
cess, destroy them selves slowly as well
as t h ei r en vi r on m en t . Th e sh an t y
t ow n s w h i ch i n ev i t ab l y com e u p
arou n d the large-scale mining sites only
serve to add to th e problem . Given their
illegal an d th erefore u n recogn ized n a-
tu re, t h ey lack basic am en iti es li k e
garbage disposal and water su pply an d
san itation , becomin g another u n sight-
ly blot on th e lan dscape.
Accor d i n g t o t h e Wor l d Gol d
Cou n cil, wh ile estim ates of n u m bers
engaged in artisan al m inin g vary wide-
ly, th ey ran ge between 13 an d 20 m il-
lion m en , wom en an d ch ildren from
over 50 developin g cou n tries. In deed,
it is believed th at as m u ch as a qu ar -
ter of th e world’s gold is su pplied by
artisan al m in ers. Th eir efforts to earn
th em selves a daily wage h ave resu lted
in h u ge h abitat loss an d destru ction .
For exam p le, h u ge p atch es of lan d,
on ce h om e to lu sh trees in th e islan d
of Born eo in Indon esia, are being swift-
ly ren dered treeless an d lifeless pits
of waste. In cid en tal ly, th e i sl an d is
h igh ly fam ed for its rich biodiversity.
Com bin ed with h eavy pressu res from
th e loggin g lobby an d n eed for ch eap
power th rou gh h ydroelectricity an d re-
len tless m in in g activity, it is h ard to
im agin e if Born eo will m an age to re-
tain its crown .
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Wh y sh ou l d th ese fact s ab ou t
gold m in in g both er u s? After all, we
ju st im port th e m etal; we do n ot m in e
it h ere to th e exten t oth er cou n tries
do. Th at’s abou t to change thou gh. New
Delh i h as big plan s to fu el growth in
the mining sector and is look ing to open
investmen t in gold min in g in the cou n -
try – an d in a big way.
However, In dia’s en viron m en tal
track record in m in in g h as been an y-
thing bu t stellar. An d this is someth in g
th at requ ires close atten tion in ligh t of
th e plan n ed in creased forays in to gold
m in in g. Even with th e com paratively
m in u scu le am ou n t s of gold m in in g
don e so far, we h ave tri pped u p on
environ mental con siderations. Geolog-
ically, In dia’s terrain is very sim ilar to
th ose in other parts of th e world wh ere
th ere h ave been h u ge gold fin ds. Wh at
we n eed to do is to learn from th e m is-
tak es com m itted by certain developed
cou n tries in th eir own back yard. We
h ave a wh ol e ser ies of exam p l es of
wh ere th in gs h ave gon e wron g from
oth er developin g cou n tries. We n eed
to u se th ese in sigh ts to ou r advan tage,
and qu ick ly.
256. According to th e au th or, h ow are
gol d m in es d et r im en t al to th e
en vi ron m en t as well as pu bl ic
h ealth even after th eir closu re ?
(1) Th e layer of red soil u sed to
cover d u st p i l es i n t h ese
m in es seeps into th e grou n d-
water, th ereby m ak in g it u n -
fit for con su m ption
(2) Th e m in es weak en lan d mass
an d in crease th e ch an ces of
occu r ren ce of ear th qu ak es,
especially after th ere is no one
look in g after th em
(3) T h e m i t i gat i ve m ea s u r es
adopted after th e closu re of
th ese m in es are n ot su p er -
vi sed ad equ ately h en ce are
highly dam aging
(4) Th e u n su pervised min es n ow
becom e a th reat to th e en vi-
r on m en t as i n ex p er i en ced
people carry ou t u n ch eck ed
m in in g activities
(5) Win ds in specific months car -
ry h arm fu l h eavy m etal parti-
cles from th e du st h eaps ac-
cu m u lated in th ese m in es
257. Wh ich of th e followin g is possi-
bly th e m ost appropriate title for
th e passage ?
COMPREHENSION TEST
(1) Gold Min in g an d In dia – Th e
In separable Du o
(2) Artisan al Min in g an d its Ef-
fect s
(3) Gold Min ing Activities in Asia
(4) Gold - Th e Most Exp en si ve
Metal in th e World
(5) Lu r e for Gol d - Th e St ar k
Reality
258. Wh ich of th e followin g is/ are ill
effects of gold m in in g as m en -
tion ed in th e passage ?
(A) Waste generated while mining
for gold is h arm fu l even in
sm all qu an tities.
(B) Gr ou n d water gets p ol lu t ed
du e to th e release of h eavy
m et al s gen er at ed fr om t h e
m in in g of gold.
(C) Gold m in in g activities cau se
respiratory illn esses in peo-
pl e.
(1) On ly (A)
(2) All (A), (B) an d (C)
(3) On ly (B) an d (C)
(4) On ly (B)
(5) On ly (A) an d (B)
259. Wh at i s th e au th or’s in t en ti on
beh in d writin g th is passage ?
(1) To discou rage th e In dian gov-
er n m en t fr om i n vest i n g i n
gold mining
(2) To b ri n g for ward t h e p rob-
lems associated with gold min-
in g for In dia’s ben efit
(3) To discou rage In dian s from
bu yin g gold based on its re-
percu ssion s
(4) To advocate the import of gold
in stead of m in in g for it
(5) To goad th e In d ian govern -
m en t in to brin ging th e artisa-
n al work ers u n der th e pu r -
view of th e organ ized sector
260. Wh ich of t h e foll owin g is t r u e
abou t th e people wh o carry ou t
gold m in in g activities ?
(A) Th eir em ploym en t is pu rely
legal in n atu re.
(B) They em ploy u n soph isticated
m eth ods of m in in g.
(C) Th ey d o n ot h ave essen ti al
amenities.
(1) Only (B)
(2) On ly (A) an d (B)
(3) On ly (C)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C) are tru e
-242-

261. Wh ich of t h e foll owin g is NOT
T RUE abou t the island of Borneo
in In don esia, as given in th e pas-
sage?
(A) Large pieces of lan d are be-
in g destroyed becau se of m in -
ing.
(B) Th er e is a l ar ge am ou n t of
m in in g activity bein g carried
ou t on th is islan d.
(C) It wou ld be k n own for its rich
biodiversity in th e fu tu re.
(1) On ly (A) an d (B)
(2) On ly (B)
(3) On ly (C)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C) are tru e
262. Wh y, accor di n g to t h e au t h or,
sh ou ld In di a worry abou t gold
m in in g an d its effects ?
(1) As In d ia i s plan n in g to i n -
crease its in vestm en t in gold
m in in g an d is look in g to in -
crease activities in th is sec-
tor in th e n ear fu tu re
(2) As In dia h as been exten sive-
ly carryin g ou t gold m in in g in
th e past an d its en viron m en -
tal record is n ot en cou ragin g
(3) As a large n u m ber of people
in In dia are em ployed in th is
u n organ ized sector wh ich is
detrim en tal to th e cou n try’s
economy
(4) As In dia’s terrain is geologi-
cally u n stable an d is sim ilar
to oth er lan ds in t h e world
wh ere gold m in in g is carried
out
(5) As In di a i s com m i tt in g th e
sam e m istak es com m itted by
other developed n ation s wh en
it com es to gold m in in g
263. Wh y, accordin g to th e au th or, is
th e en vir on m en t al cost of gold
very h igh ?
(1) As gold is the only metal wh ich
gen erates h arm fu l waste on
its excavation
(2) As excavation of gold releases
th e h igh est am ou n t of pollu t-
an ts in to th e air as compared
to any other metal
(3) As gold excavation is a very
tediou s process an d requ ires
u sage of a n u m ber of environ -
m en tally destru ctive resou rc-
es
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(4) As th e am ou n t of gold recov-
ered in proportion to th e lan d
excavated is n egligible
(5) As th e tran sform ation of raw
gold in to a piece of jewellery
is very expen sive an d is en vi-
ronm en tally h armfu l
Di r ect i on s (2 6 4 -2 7 1 ) : Read th e
followin g passage to an swer th e given
qu estion s. Som e words/ ph rases h ave
been prin ted in bol d to h elp you lo-
cate th em wh ile answering some of th e
qu estions.
(PNB Managem ent Tr ai n ee
Ex am . 28. 11.20 10)
In a welcome developm ent, sm all
cities an d town s appear to be doin g
more to power India’s growth story than
big m etros. Confirm in g this are th e lat-
est in com e tax statistics, wh ich in di-
cate th at Tier II an d Tier III cities lik e
Patn a, Lu ck n ow, Meeru t an d Kan pu r
h ave far ou tstripped Delh i, M u m bai
Chen nai and Kolk ata in terms of growth
in person al an d corporate tax collec-
tion s. In fact, Patn a h as seen as m u ch
as 95 per cen t growth in person al in -
com e tax figu res over th e 2009-10 pe-
riod com pared to a m easly 4 per cen t
for Delh i an d 6 per cen t for Mu m bai.
Su ch a sh ift towards growth driven by
region al cen tres can h elp m i t i gat e th e
problems en sui n g from u n equ al devel-
op m en t an d , t h erefore, n eeds t o be
en cou raged.
Th e cu rren t growth an d develop-
m en t m odel cen t r ed on big m etros is
u n su st ain ab l e. H avin g exp er i en ced
year s of econ om i c m i grat ion , t h ese
large cities are literally bur st i n g at t h e
seam s. Th ey are left with creak in g in -
frastru ctu re - com pou n ded by sh oddy
u rban plan ning - an d poor civic am en i-
ties, all of wh ich is reflected in th e fast
depreciatin g qu ality of life. Yet people
con tin u e to be drawn to m etros du e to
th e al l u r e of better career prospects.
Th e on ly way to r ev er se th is tren d is
to h ave m u ltiple growth poles spread
across th e len gth an d breadth of th e
cou n try. It is en cou ragin g th at m an y
of th e sm all cities sh owin g robu st eco-
n om ic growth are located in th e back -
war d r egi on s. Th ey cou l d ser ve as
m agn ets for in tra-state m igration an d
tak e th e bu rden off tradition al m etro-
politan h u bs.
As emerging m ark ets with in th e
In d i an econ om y th ese sm al l u r ban
cen tres can becom e h otspots for n ew
i n ves t m en t o p p or t u n i t i es . M a n y
COMPREHENSION TEST
ou tsou rcing companies are already set-
tin g u p operation s in Tier II an d Tier
III cit i es t o m in im ise t h eir ru n n in g
costs. Con du cive con dition s n eed to
be created to en cou rage In dia In c as
wel l as foreign in vestors to i n creas-
in gly in vest in sm all cities an d town -
sh i p s. Cr u ci al t o t h i s i s cr eat i n g
sou n d in frastru ctu re. Th ere n eeds to
b e a si gn i fi can t n u m b er of qu al i t y
sch ool s an d col l eges t o ch u r n ou t
sk ill ed profession al s t o cater t o t h e
n eeds of em er gi n g bu sin esses.. Th is
in t u r n wi ll h ave a p osit ive tr ick l e-
down effect an d galvan ise t h e ru r al
econ om y of th e respective states.
In p l an n i n g t h ese n ew u r b an
h u b s, er r or s of t h e p ast t h at h ave
given rise to chaotic and dysfu n ction al
ci t i es m u st n ot b e r ep eat ed . Ou r
m etros m ay h ave reach ed a poin t of
satu ration . Wh ile th ey sh ou ld by n o
m ean s be i gn ored, p ay at ten t ion to
Tier II and III cities as well to con tinu e
India’s growth story an d m ak e it m ore
inclu sive.
264. Wh ich of t h e foll owin g is defi-
n itely t r u e as per th e passage?
(1) T h e t a x c o l l ec t i o n s f r o m
Pat n a ar e t h e h i gh est for
2009-10
(2) Th e growth in corporate tax
collections is always followed
by the growth in personal tax
collections
(3) Th e gr owt h in per son al t ax
f i gu r es f o r C h en n a i a n d
Kolk ata was n ot m ore t h an
4% for 2009-10
(4) Patn a h ad seen 95% growth
in corporate tax collections in
2009-10
(5) None is tru e
265. Wh ich of the followin g indicators
h as b een u sed t o h i gh l i gh t
growth ?
(1) Per capita growth
(2) Mortality rate
(3) Density of popu lation
(4) Tax collection s
(5) Rate of m igration
266. Wh ich of th e followin g wou ld be
on e of th e m ajor im pacts of de-
velopm en t of m an y region al cit-
ies an d cen tres?
(1) Th e in com e l evel of peopl e
will in crease
(2) Th e living con dition s in exist-
in g metros will become worse
-243-

(3) Th e m igration to far off big-
ger ci t i es acr oss d i ffer en t
states will be redu ced
(4) Tax collection s will in crease
(5) Non e of th ese
267. Wh ich of th e followin g cities h as
been classified as Tier III City as
per th e passage?
(1) Lu ck n ow
(2) Patn a
(3) Ch en nai
(4) Can n ot be determ in ed
(5) Non e of th ese
268. Wh ich of th e followin g wou ld be
th e m ost appr opr i at e m ean in g
of th e ph rase “bu r st i n g at t h e
seam s” as u sed in th e secon d
paragraph of th e passage?
(1) Filled beyon d n orm al capac-
ity
(2) Have becom e fast faced cen -
t res
(3) Facin g exodu s from these cit-
ies
(4) Bu bblin g with en ergy
(5) Non e of th ese
269. Wh ich of th e followin g m ay n ot
be an objective of developing Tier
II / III cities?
(1) To have more inclu sive growth
(2) To h ave gr owt h acr oss t h e
l en gt h an d b r ead t h of t h e
cou ntry
(3) To i m p r ove t h e qu al i t y of
sch ools an d colleges to pro-
du ce sk illed profession als
(4) To tak e off pressu re from th e
over bu rden ed in frastru ctu re
of m etros
(5) To check inter -state m igration
270. Wh ich of th e followin g wou ld be
th e advan tage of settin g u p op-
eration s in Tier II an d Tier III cit-
ies?
(1) Th e operatin g costs wou ld be
lower
(2) It will attract better in vestment
(3) It will attract tax exem ption s
from th e govern m en t
(4) Th e m an power available for
em ploym en t wou ld be better
(5) Th e Metros will face h ealth y
com p et i t i on for i m p r ovi n g
th eir in frastru ctu re
271. Wh at a t t r a ct s p eo p l e t o t h e
m etros?
(1) Better livin g con dition s
(2) Im proved sou rce of in com e
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(3) Better edu cation al facilities
(4) Seamless economic and social
activities
(5) En h an ced social secu rity
Di r ect i on s (2 7 1–2 7 9) : Read th e
following. passage carefu lly and answer
th e qu estion s given below it. Certain
words/ ph rases h ave been prin ted in
bol d to h elp you locate th em wh ile an -
swerin g som e of th e qu estion s.
(Bank Of Maharasht r a Exam . 19.12.2010)
In Feb r u ar y 2 0 1 0 t h e M ed i cal
Cou n cil of In dia an n ou n ced a m ajor
ch an ge in th e regu lation govern in g th e
establishmen t of m edical colleges. With
th is ch an ge, cor porate en ti ties were
per m i t t ed to open m edical colleges.
The n ew regu lation also carried th e fol-
lowin g warn in g: “perm ission sh all be
with drawn if the colleges resort to com-
m ercialization ”. Sin ce th e regu lation
does not elaborate on wh at con stitu tes
“resortin g to com m ercialisation ”, th is
will presu m ably be a m atter left to th e
discretion of th e Govern m en t.
A b asi c r equ i r em en t for a n ew
m edical college is a pre-existin g h ospi-
tal th at will serve as a teach in g h ospi-
tal. Corporate en tities h ave h ospitals
in th e m ajor m etros an d th at is wh ere
th ey will h ave to locate m edical col-
leges. Th e earlier m an dated lan d re-
qu irem en t for a m edical college cam -
pu s, m in im u m of 25 acres of con tigu -
ou s lan d, can n ot be fu lfill ed in t h e
m etros. Not su rprisin gly, yet an oth er
tweak h as been m ade in th e regu la-
tion , prescribin g 10 acres as th e n ew
m in im u m cam pu s size for 9 cities in -
clu din g the m ain metros. With this, the
stage is set for corporate en t ities to
en ter th e m edical edu cation m ark et.
Un til n ow, m edical edu cation in
In dia h as been projected as a n ot-for -
profit activity to be organ ised for th e
pu blic good. Wh ile private bodies can
ru n m edical colleges, th ese can on ly
be societies or tru sts, legally non-profit
organ ization s. In open in g th e door to
corporate colleges, th u s, a m ajor policy
ch an ge h as b een effect ed wi t h ou t
ch an gin g th e law or even a discu ssion
in Parliam en t, bu t by sim ply gettin g a
com pl i an t MCI to ch an ge th e regu la-
tion on establish m en t of m edical col-
leges. Th is an d oth er ch an ges h ave
been ju stified in th e n am e of address-
in g th e shortage of doctors. At th e same
time, over 50, existin g m edical colleges,
in clu din g 15 ru n by th e govern m en t,
COMPREHENSION TEST
h ave been proh ibited from adm ittin g
stu den ts in 2010 for h avin g failed to
m eet th e basic stan dards prescribed.
Nin ety per cen t of th ese colleges h ave
com e u p in th e last 5 years. Particu -
larly sh ock i n g is th e ph en om en on of
govern m en t colleges fal l i n g sh or t of
st an d ar ds app roved by t h e Gover n -
m en t. Wh y are state govern m en t in sti-
tu tion s n ot able to m eet th e requ ire-
m en ts th at h ave been approved by th e
cen tral govern m en t? A severe problem
faced by govern m en t-ru n in stitu tion s
is attractin g and retain ing teaching fac-
u lty, an d th is is lik ely to be am on g th e
m ajor reason s for th ese colleges fail-
in g to satisfy th e MCI n orm s. Th e cri-
sis bu ilding u p on th e facu lty front has
been fl agged by variou s com m ission s
look in g In to problem s of m edical edu -
cation over th e years.
An in dicator of th e crisis is th e
attempt to con ju re u p facu lty when MCI
carries ou t in spection s of n ew colleges,
on e of its regu latory fu n ction s. J u dg-
in g by n ews rep orts, th e pr actice of
p resen t in g fak e facu l ty-st u d en t s or
private m edical practition ers h ired for
the day -du rin g MCI inspection s in pri-
vate colleges is com m on . Wh at is in -
terestin g is th at even govern m en t col-
leges are adopting un scrupulous meth-
ods. An oth er in dicator is th e extraor -
din ary sch em e, vergin g on th e ridicu -
lou s th at is bein g pu t in place by th e
MCI t o m ak e in spection s ‘foolp roof.
Facu lty in all m edical colleges are to
be issu ed an RFID based sm art card
by th e MCI with a u n iqu e Facu lty Nu m-
ber. Th e card, it is argu ed, will elim i-
n ate th e possibility of a teach er bein g
sh own on th e facu lty of m ore th an on e
college an d establish if th e qu alifica-
tion s of a teach er are gen u in e. In th e
fu t u re it i s pr ojected th at biom etr ic
RFID readers will be in stalled in th e
colleges th at will en able a Facu lty Iden-
tification, Track ing and Mon itoring Sys-
tem to m onitor facu lty from with in th e
college an d even rem otely from MCI
h eadqu arters.
Th e pictu re above does n ot even
start to reveal th e tru e an d path etic
situ ation of m edical care especially in
ru ral In dia. On ly a fraction of th e doc-
tors an d n u rsin g profession als serve
ru ral areas wh ere 70 per cen t of ou r
popu lation lives. Th e Health Min istry,
wi th th e h elp of th e MCI, h as been
-244-

active in proposin g yet an oth er ‘in n o-
vative’solu tion to th e problem of lack
of doctors in th e ru ral areas. Th e pro-
posal is for a t h r ee-an d -a-h al f year
cou rse to obtain th e degree of Bach -
el or of Ru ral Med ici n e an d Su r gery
(BRMS). On ly ru ral can didates wou ld
be able to join th is cou rse. Th e stu dy
an d train in g wou ld h appen at two dif-
feren t levels -Com m u n ity Health Cen -
ters for 18 m on th s, an d su b-division al
h ospitals for a fu rth er period of 2 years
-an d be con du cted by retired profes-
sors. After com pletion of train in g, th ey
wou ld on ly be able to serve in th eir
own state in district h ospitals, com -
m u n ity h ealth cen tres, an d prim ary
h ealth cen tres.
Th e BRMS proposal h as in vited
sh ar p cr it i ci sm fr om som e d oct ors’
organisation s on th e grou n ds th at it is
discrim in at ory t o h ave two di ffer en t
stan dards of h ealth care -on e for u r -
ban an d th e oth er for ru ral areas, an d
th at th e h ealth care provided by su ch
gradu ates will be com prom ised. At th e
oth er en d is th e opin ion expressed by
som e th at “som eth in g is better th an
noth ing”, th at since doctors do not want
to serve in ru ral areas, the govern men t
m ay as well create a n ew cadre of med-
ics wh o will be obliged to serve th ere.
Th e debate will su rely pick u p after
th e govern m en t form ally lays ou t its
plan s. Wh at is apparen t is th at n ei-
th er this proposal n or the variou s stop-
gap m easu res adopted so far address
th e root of th e problem of h ealth care.
Th e far l ar ger i ssu e i s govern m en t
policy, th e low priority attach ed by th e
govern m en t to th e social sector as a
whole and the health sector in particu -
lar, eviden ced in th e paltry allocation s
for m ain tain in g an d u pgradin g m edi-
cal in frastru ctu re an d m edical edu ca-
tion an d for look ing after preciou s h u -
m an resou rces.
272. Wh at solu tion is bein g offered by
the Health Min istry for th e sh ort-
age of doctors in ru ral areas ?
(1) In crease th e n u m ber of gov-
ern m en t ru n h ospitals in th e
ru ral areas th ereby in creas-
in g th e nu m ber of doctors ca-
terin g to th e people in th ese
region s.
(2) Mak e it man datory for doctors
servin g in th e u rban areas to
serve in th e ru ral areas for a
specific n u m ber of years.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(3) Set u p in creasin g n u m ber of
com m u n ity h ealth cen tres in
ru ral areas.
(4) H i r e r et i r ed p r ofessor s of
medicine to offer medical help
to people livin g in th e ru ral
areas till th e tim e m ore doc-
tors are appoin ted.
(5) Ru n a sep a r a t e m ed i c a l
cou rse for t h ree an d a h alf
years wh ich can be tak en u p
on ly by ru ral can didtes wh o
wou ld u ltim ately serve in th e
ru ral areas.
273. Wh y h ave som e existin g m edical
coll eges b een p r oh i bi t ed fr om
adm ittin g stu dents ?
(1) As t h ese h ave ad opted cor -
ru pt practices an d h ave been
tak in g h u ge don ation s from
th eir stu den ts
(2) As all th ese colleges were il-
legally set u p an d were n ot
approved by th e govern m en t
in th e first place
(3) As the cou rse offered by th ese
colleges is not in lin e with th e
cou rse offered by th e govern -
m en t ru n colleges
(4) As th ese h ave failed to m eet
th e n orm s set by th e cen tral
govern m en t for ru n n in g th e
college.
(5) As there are absolu tely no fac-
u lty members left in these col-
leges to teach stu den ts.
274. Wh ich of th e followin g is/ are th e
ch an ge/ s an nou n ced by th e MCI
in th e regu lation govern in g th e
establishment of medical colleges?
(A) Allowin g th e com m ercialisa-
tion of m edical colleges.
(B) Redu cin g th e earlier m an dat-
ed l an d r equ i r em en t for a
m edical col lege cam pu s for
m etros.
(C) Allowin g corporate bodies to
open m edical colleges.
(1) On ly (B)
(2) On ly (A) an d (B)
(3) Only (C)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C) are tru e
275. Wh ich of th e following are th e dif-
fer en t op i n i on s r egar d i n g t h e
BRMS proposal ?
(1) At least a small step h as been
tak en to im prove th e h ealth -
care facilities in th e ru ral ar -
eas th rou gh th is proposal.
COMPREHENSION TEST
(2) Th er e sh ou l d b e u n i for m
h ealth care facilities available
for people livin g in both ru ral
an d u rban areas.
(3) Th e h eal t h ca r e p r ov i d er s
th rou gh th is proposal wou ld
n ot be u p to th e m ark .
(1) On ly (A)
(2) On ly (A) an d (B)
(3) On ly (B) an d (C)
(4) On ly (B)
(5) All (A), (B) an d (C)
276. Wh ich of th e followin g is possi-
bly th e m ost appropriate title for
th e passage ?
(1) H eal t h ca r e i n I n d i a - T h e
Qu estion able Chan ges
(2) Medical Cen tres in Ru ral In -
dia
(3) Comm ercialisation of Medical
Edu cation in In dia
(4) Th e Medical Cou n cil of In dia
(5) The BRMS Proposal- Th e Way
Ou t for Ru ral In dia
277. Wh at is on e of th e m ajor prob-
lem s faced by th e govern m en t-
ru n m edical in stitu tions ?
(1) Dearth of land requ ired for the
settin g u p of m edical in stitu -
tions.
(2) Lack of fu n ds for ru n n in g th e
colleges.
(3) Dearth of teach in g facu lty.
(4) Excessi ve com petition from
colleges ru n by corporate bod-
ies.
(5) Dearth of stu den ts optin g for
th ese colleges.
278. Wh at is th e idea beh in d th e MCI
pu ttin g in place th e RFID-based
sm art card ?
(A) To m on itor an d track facu lty
from MCI h eadqu arters in th e
fu tu re.
(B) To pu t a stop to th e practice
of colleges of presen tin g fak e
facu lty m em bers.
(C) To verify th e au th en ticity of
facu lty member qu alifications.
(1) On ly (A) an d (B)
(2) All (A), (B) an d (C)
(3) Only (C)
(4) On ly (B) an d (C)
(5) On ly (B)
279. Wh at is th e au thor’s m ain in ten -
tion behin d writing this passage?
(1) To m ak e th e gen eral pu blic
aware of th e h ealth care facil-
ities available in In dia.
-245-

(2) To brin g to ligh t th e problem s
faced by th e h ealth care sec-
tor in In dia despite ch an ges
su ggested an d goad th e gov-
ern m ent in to attach in g prior -
ity to th e sector.
(3) To brin g to ligh t th e problem s
faced by ru ral people in term s
of h eal t h car e facil i t ies an d
th u s exh ort u rban doctors to
serve in th e ru ral areas
(4) To m ak e th e gen eral pu blic
aware of th e ben efits arisin g
fr om t h e ch an ges b r ou gh t
ab ou t b y t h e M CI i n t h e
h ealth care sector.
(5) To u rge th e corporate bodies
t o l ook i n t o t h e m at t er of
h ealthcare facilities in th e ru -
ral areas.
Di r ect i on s (28 0 –2 88 ) : Read th e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Certain word s h ave been p rin t ed in
bo l d to h elp you l ocate th em wh i le
an swerin g som e of th e qu est ion s.
(Or i en t al Ban k Of Com m er ce PO
Ex am . 26.12.2010 (I st Si t t i n g)
It is bei n g proj ect ed as a boon
for t h e agri cu l tu r al sect or. In realit y,
it wi ll be t h e begin n in g of th e en d for
In dian farm ers. It h as happen ed in th e
west. Ever si n ce bi g r etail — dom i-
n ated b y m u lt i -b ran d ret ail er s h as
en t ered th e m ar k et, far m ers h ave di s-
ap peared an d p over ty h as in creased.
Today, not m ore th an seven lak h farm -
er s r em ain on t h e far m s in t h e west.
Accor din g, t o a repor t, ever y m in u te
on e farm er qu its agricu ltu re. Farm ers’
i n com es h ave com e d own b y m or e
th an for ty per cen t. Th ese days l ow
su perm ark et p rices are b ein g ci ted as
t h e reason for t h e ex o du s of d air y
farm er s too. It is t h erefore fu t il e to
ex p ect t h e su p er m ar k et s r escu i n g
farm ers i n In di a.
D es p i t e t h e d es t r u c t i o n o f
far m i n g glob all y, ad m i n i st r ator s i n
I n d i a ar e gu n g- h o ab ou t al l ow i n g
for ei gn d i rect i n vest m en t i n m u l t i -
brand retailin g. “The agricu ltu re sector
n eed s wel l fu n ct i on i n g m ar k et s t o
dri ve growth, employment and economic
p r osp er i t y i n r u r al ar eas,” say s a
di scu ssion p aper.
Si n ce 200 6, In di a h as allowed a
par tial open in g u p of th e ret ail sect or.
Have th ese r etail u n it s b en efited In -
dian farm ers an d th e con su m ers ? Th e
an swer i s n o. Th e argu m en t for set-
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
ti n g u p of b ig ret ail ch ain s is th at t h e
su per m ar k et ch ain s wi ll squ eeze ou t
th e middlem en thereby providing h igh-
er pr ices to farm ers an d at th e sam e
tim e provi de lar ge in vestm en ts for th e
d evel op m en t of p ost -h ar vest i n fr a-
stru ctu re. All th ese claim s are u n tru e,
an d b ig r etail h as n ot h elped farm ers
an ywh ere in th e worl d.
If th e su per m ark ets were so ef-
fi cien t , wh y is th e west p rovid in g a
m assi ve su bsidy for agri cu lt u re. Af-
ter all, th e world ’s biggest retai l gi-
an t s ar e b ased i n t h e west an d i t
sh ou l d h ave h el ped th eir far m er s b e-
com e econ om i cal ly viable. Bu t i t d id
n ot h app en . Ti ll 1 950 , a farm er wh o
wou ld receive abou t seven ty per cen t
of wh at was spen t on food receives
n o m ore th an , 3 to 4 per cen t t oday.
An d t h at is wh y th e farm ers th er e are
bein g su p por ted in th e form of d irect
in com e su pport by th e govern m en t.
A rep ort by th e Or gan isation for
Econ om ic Cooper ati on an d Develop-
m en t (OECD), a grou p com prisin g th e
r i ch est 3 0 cou n t r i es i n t h e wor l d ,
st ates ex pli cit ly t h at farm su bsidi es
rose by 22 p er cen t i n 2 009, u p fr om
2 1 per cen t i n 20 08 . In j u st 20 09 ,
i n d u st r iali sed cou n t r ies p rovid ed a
su bsi dy of Rs 1 , 2 60 bil lion . An d it is
pri m ari ly for t h is r eason th at farm in -
com es ar e l u cr ative. Tak e t h e Net h -
er lan ds: th e average far m fam il y i n -
com e is 275 per cen t of th e average
h ou seh ol d in com e. Th i s i s becau se of
far m su b si d i es, n ot su p er m ar k et s.
In dia is th erefore im por tin g a fai l ed
m odel fr om th e west especially wh en
In dia is in capable of pr ovid in g su ch
h eavy su b sid ies to its far m er s.
Regar din g em ploym en t, bi g r e-
tail does n ot squ eeze ou t m idd lem en
from th e food ch ain . Su per m ark et s
claim that th ey rem ove middlemen an d
th erefor e are abl e to pr ovi de a h igh er
pr ice to far m er s. In realit y, wh at h ap-
pen s is th e op posite. Su perm ark ets
are th em sel ves t h e b ig m i d d lem en .
Th ey rep lace t h e sm al l fish . Su per -
m ark ets r epl ace th e pl eth ora of sm all
m i dd lem en . Th e m u n eem cl ad i n a
dh oti -k u rta is rep laced by a sm art ly
dr essed u p m idd lem an . So wh il e t h e
farm er pau per i ses, th e pr ofit of su -
perm ar k ets m u l t i pl y .
Based on biased stu dies by con -
su ltan cy fir m s an d som e in sti tu t es, it
is believed th at su perm ark ets will cre-
at e em pl oym en t an d th erefore h elp in
am eli oratin g p overty. Th is is a flawed
COMPREHENSION TEST
as su m p t i on . L ess on s n eed t o b e
d r awn fr om a 2 0 0 4 st u d y d on e at
Pen n syl van i a St at e Un i versi t y. Th e
au th ors m easu red t h e im p act of a r e-
tail boom on poverty in variou s adjoin -
in g stat es. Th e com pr eh en si ve stu dy
cl ear ly br i n gs ou t t h at th ose Am er i-
can stat es th at h ad m ore retai l stor es
in 19 87, h ad h i gh er p overty rat es by
1 9 9 9 t h an t h e st at es w h er e few er
st ores were set u p.
At stak e is th e livelih ood secu ri-
ty of 12 0 l ak h sm all sh opk eepers, 4
cr ore h awk ers an d at least 20 crore
(of t h e 6 0 cror e) sm al l farm ers. Wh at
is n eeded i s m ore pu bl ic sect or i n -
vestm en t in settin g u p a ch ain of m an -
di s across t h e cou n try. Providin g “an
assu r ed m ark et an d reason able pr o-
cu rem en t pr ice is wh at In di an far m -
er s n eed . Th is h as to be su p plem en t-
ed by a n et wor k of food grain ban k s
at pan ch ayat level th at assu re local
produ ction an d distribu tion .
280. Wh y does t h e au t h or di sagr ee
with th e idea that big retail stores
can salvage far m er s” con d iti on
in In dia ?
(1) Th e farm ers in In dia still pre-
fer to sell th ei r p r od u ce t o
local m iddlemen an d m an dis
th an to t h e big retai l st ores.
(2) Th er e h ave b een exam p l es
throu gh ou t the world that th e
bi g r etail ch ai n s fu r th er d e-
teriorate th e con d iti on of t h e
far m er s.
(3) Big retail chains bu y th e farm-
er s p rodu ce at a m u ch lower
c os t a s c o m p a r ed t o t h e
pr esen t m idd lem en .
(4 ) Th e govern m en t su bsid ies to
th e farm er s selli n g th ei r pr o-
d u ce d i r ect l y t o b i g r et ai l
st ores i s far l esser th an t h e
on es wh o sel l t h ei r pr odu ce
to th e govern m en t it sel f.
(5) Selli n g th e pr odu ce to sm all
sh op k eep er s an d h aw k er s
saves th e farm ers of th e ex-
pen ses i n volved in selli n g it
to bi g retai l stor es wh ich are
m ostl y based in bi g ci ties.
281. Com plete th e fol lowin g sen ten ce
b y sel ect i n g t h e a l t er n at i v e
wh ich is m ost ap propriate in th e
con text of t h e passage.
Al th ou gh it was assu m ed th at
retail ch ain gian ts wou ld squ eeze
ou t m idd lem en from t h e far m -
in g sect or, ____
-246-

(1) th e retail ch ain gian ts h elped
t h e far m er s get su b si d i es
fr om th e govern m en t.
(2) In di a is st il l con tem p lati n g
allowin g foreign direct in vest-
ment in mu lti-brand retailin g.
(3) th e r etail ch ai n gian ts th em -
sel ves pr oved t o be a r am -
bl in g versi on of th e sm all er
m iddlemen .
(4) t h e gover n m en t was m or e
con cern ed ab ou t th e welfare
of th e farm er s.
(5) Non e of t h ese)
282. Wh ich of th e followin g is t r u e in
con text of t h e passage ?
(1) Noticin g th e st ate of farm ers
in th e west owin g to th e ad-
ven t of ret ail gian ts, In di an
ad m i n i st r at or s ar e n ot t oo
k een to allow m u lti br an d re-
tailin g i n In dia.
(2) Su permark et ch ains have pro-
vi ded lar ge in vest m en ts for
th e developm en t of post-h ar -
vest in frast ru ctu r e.
(3) Th ese d ays, farm ers i n th e
west earn several t im es m ore
th an th eir earnin gs half a cen-
tu ry ago.
(4) In dia is providin g h eavy su b-
si dies t o cover u p th e l osses
m ad e b y t h e far m er s b e-
cau se of retail ch ain gi an t s.
(5) Non e i s tr u e
283. Th e fact th at th e west provid es
en orm ou s su b sidi es to its far m -
er s p roves th at ___
(1) th e govern m en t in th e west
lu r es th e far m ers in to sell in g
th eir pr odu ce t o r etail ch ain
gi an ts in ret u rn of su ch su b-
sid i es.
(2) m an y far m ers wh o h ad gi ven
u p farm in g as a professi on
ar e n ow r etu rn i n g t o i t.
(3) su p er m ar k et s h ave i n d eed
h elped i n m ak in g farm in g a
lu crat ive bu sin ess
(4) t h e r et ai l ch ai n s ar e ar m
t wi st i n g t h e gover n m en t t o
p r o v i d e su b si d i es t o t h e
farm er s wh o sel l th ei r pr o-
du ce to th em .
(5) th e r etail ch ai n s h ave fail ed
to b en efit t h e farm ers th u s
for ci n g t h e gover n m en t t o
com e t o t h ei r rescu e.
284. Wh ich of th e followin g h ave been
th e argu m en ts for settin g u p big
retai l st ores i n In dia ?
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(A) Th e ret ail ch ain s wou ld sell
th e farm ers produ ce at a com-
parat ively h igh er pr ice th an
t h e sm all er sh op s so as t o
im prove th e farm ers’pr ofi t.
(B) Th e retail ch ain s wou l d drive
the middlem en ou t of th e sys-
tem , th u s im provin g farm ers’
profit m ar gin .
(C) Bi g r etail ch ai n s in th e west
h ave been tak in g strid es of
gr owt h an d h ave been ben e-
fi tin g t h e far m er s.
(D) Th e b ig r etail ch ain s wou ld
pr ovid e an organ i zed m ark et
w h i ch w ou l d b r i n g ab ou t
gr owt h i n t h e ru r al areas
(1) On ly (A) an d (C)
(2 ) On ly (C) an d (D)
(3 ) On ly (A), (C) an d (D)
(4) On l y (B) an d (D)
(5 ) All (A), (B ), (C) an d (D)
285. Th e au th or of th e given passage
defin itely _____
(1) is in dicatin g th at th e west has
com pletely failed to m ak e ag-
ri cu l tu r e a lu crat ive sector.
(2 ) i s agai n st th e ar gu m en t th at
retai l ch ai n gian ts can h elp
com e to t h e rescu e of far m -
er s i n In di a.
(3 ) i s n ot in favou r of rem ovi n g
th e l ocal m i ddl em en as th ey
pr ovi de a h igh er p rice t o t h e
far m er s.
(4 ) i s su ggesti n g th at th e In di an
gover n m en t m u st i n cr ease
far m su b si d i es em u l at i n g
som e of t h e west er n cou n -
tr ies.
(5 ) is com parin g th e-su ccessfu l
perform an ce of retai l ch ai n s
in In dia as op posed to th ose
in th e west.
286. Wh ich of th e fol lowin g wou ld be
th e m ost appropriate title for th e
gi ven passage ?
(1 ) Mu lti br an d ret ail in g –m ak -
in g far m in g m or e lu crat ive
(2) Su p erm ark et s – towards em -
pl oym en t an d gr owt h i n r u -
ral areas
(3 ) Su per m ar k et – A su per ri sk
for farm ers
(4) Allowin g Su perm ark ets in In -
di a – wh y are adm in i str ators
u nwillin g ?
(5 ) Su perm ark et s -m ak i n g t h e
farm ers rich vi a su bsidi es
COMPREHENSION TEST
287. Wh at, accord in g to th e au th or,
ar e th e r eason s beh in d th e fact
t h at far m er s i n com e i n som e
cou n t ries i n t h e west is sever al
ti m es an average h ou seh old ?
(1) Farm i n g in th ese cou n tries is
lu crative as farm ers are pr o-
vi ded wi th a good retu r n for
th eir produ ce.
(2) Big retail ch ain s have ben efit-
ed th e farm ers en orm ou sly.
(3 ) Retai l ch ain s h ave com plet e-
ly wi ped ou t th e m idd lem en
in th ese cou n tr ies an d h ave
th u s, in creased t h e far m er s’
pr ofit .
(4) Hu ge su bsidies are bein g pro-
vi ded by th e gover n m en t to
th ese far m er s.
(5 ) Non e of th ese
288. Wh ich of th e followin g su gges-
ti on / s h as/ h ave b een m ade by
the au thor to address the presen t
pr obl em s of In dian farm ers ?
(A) In creasi n g th e pr ocu r em en t
pr ice of th eir crops to a cer -
tain ration al limit.
(B ) Open i n g m or e r etail ch ai n s
so as to pr ovi de th em an as-
su red m ark et for t h ei r yiel d.
(C) Assu rin g th e produ ction an d
di stri bu ti on of food grain s at
local level as wel l.
(1 ) On ly (A) an d (C)
(2 ) On ly (B) an d (C)
(3 ) On ly (A) an d (B)
(4) On ly (C) (5) On ly (B)
Di r ect i on s (2 8 9–3 0 3) : Read th e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bol d to h elp you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(I n di an Ban k PO Ex am . 02.01.2011)
Th e m odern world requ ires u s to
repose tru st in m an y an on ym ou s in -
stitu tion s. We strap ou rselves in a fly-
in g tin can with two h u n dr ed ot h er
people n ot becau se we k n ow th e pilot
b u t b ecau se we bel ieve t h at ai rl in e
travel is safe. Ou r tru st in th ese in sti-
tu tion s depen ds on two factors : sk ills
an d eth ics. We expect th at th e people
wh o ru n th ese in stitu tion s k n ow wh at
th ey are d oin g, th at th ey bu i ld an d
operate m ach in es th at work as th ey
are su pposed to and th at they are look -
in g ou t for ou r welfare even th ou gh we
are stran gers.
-247-

Wh en one of these factors is weak
or absen t, tru st break s down an d we
eith er pay a h igh price in safety– as in
th e Bh opal tragedy –or a large ‘welfare
prem iu m ’su ch as th e elaborate secu -
rity m easu res at airports. Tru st-defi-
cien t en viron m en ts work in th e favou r
of the rich an d powerfu l, who can com -
m an d pr em i u m treatm en t an d afford
wel fare p rem i u m s. Poor p eopl e can
com m an d n eit h er; wh ich is wh y air
travel is safer th an train travel, wh ich
in tu rn is safer th an walk in g by th e
road side.
Every m odern society d epen ds
on th e tru st in th e sk ills an d eth ics of
a variety of in stitu tions su ch as sch ools
an d colleges, h ospital an d m ark ets. If
we stopped believin g in th e ex per t i se
of ou r teach ers, doctors an d engineers,
we will stop bein g a m odern society.
As th e Institu tion am on g institu -
tion s, it is th e du ty of th e state to en -
su re th at all oth er in stitu tion s m eet
th eir eth ical obl i gat i on s. Th e In dian
state h as failed in its regu latory role.
Con sequ en t l y, we can n ot t r u st ou r
sch ools to tu rn ou t good gradu ates, we
can n ot en su re th at ou r colleges tu rn
ou t well trained engin eers an d we can -
n ot gu aran tee th at ou r en gin eers will
tu rn ou t to be good produ cts.
Last year, I was in vited to speak
at an u n dergradu ate research con fer -
en ce. Most of th e participan ts in th is
con feren ce were stu den ts at th e best
en gin eerin g colleges in th e State. On e
stu den t wh o was drivin g m e back an d
forth r ecoun t ed a story abou t th e pre-
viou s year’s fin al exam . On e of h is pa-
pers had a qu estion from a leading text-
book to wh ich th e textbook ’s an swer
was wron g. Th e stu den t was in a di-
lem m a : sh ou ld h e write th e (wron g)
an swer as gi ven i n t h e t ex t book or
sh ou ld h e write th e righ t an swer u s-
in g h is own analytical sk ills. He decid-
ed to do th e latter an d received a zero
on th at qu estion . Clearly, as th e stu -
d en t h ad su spect ed, t h e ex am in er s
were look in g at th e textbook an swer
wh ile correctin g th e exam in ation pa-
per s in stead of ver ifyin g its correct-
n ess.
Th e beh aviou r of th ese exam in -
ers is a break down of in stitu tional mor -
als, with con sequ en ces for th e sk ills
acqu ired by stu den ts. I say institutional
m orals, for th e failu re of th ese exam -
in ers is n ot a person al failu re. At th e
sam e con feren ce I m et a wh ole ran ge
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
of college teach ers, all of wh om were
drafted as exam in ers at som e tim e or
the oth er. With ou t exception , th ey were
dedicated in dividu als who cared abou t
th e edu cation an d welfare of th eir stu -
den ts. However, wh en pu t in th e in sti-
tu tion al role of evalu atin g an an on y-
m ou s in dividu al, th ey fail in fu lfillin g
their responsibilities. Wh en some of ou r
best colleges are ru n in th is fash ion ,
is it an y won der th at we tu rn ou t u n -
sk i l l ed en gin eers an d scien tists ? If,
as we are led to expect, th ere is a vast
in crease in edu cation at all levels an d
th e regu latory regim e is as weak as it
is cu rren tly, isn ’t it lik ely th at the tru st
deficit is only goin g to increase?
We ar e all awar e of th e con se-
qu en ces of ign orin g corru ption at all
levels of society. While institu tional fail-
u res in governan ce are obviou s, I th in k
the real problem lies deeper, in the fail-
u re of every day in stitu tion s th at are
qu ite apart from in stitu tion s th at im -
pin ge on ou r lives on ly on rare occa-
sion s. It is tru e th at ou r lives are m ade
more m i ser able by government officials
dem anding bribes for all sorts of thin gs,
bu t wh at abou t th e everyday lyin g an d
ch eati n g an d break in g of ru les with
people wh o are stran gers ?
Let m e give you an exam ple th at
m an y of u s h ave experien ced. I prefer
bu yin g m y fru its an d vegetables from
road sid e ven dors rat h er t h an ch ain
stores. To th e ven dor, I am probably
an ideal cu stom er, sin ce I do n ot bar -
gain an d I do n ot tak e h ou rs ch oosin g
th e best pi eces, in st ead, letti n g t h e
ven dor do th e selectin g. Th e m ark et
n ear m y h ou se is qu ite bu sy; as a re-
su lt , m ost ven dors are sell in g t h eir
wares to str an gers. It t ak es a wh i le
before a particu lar ven dor realises that
I am a r epeat cu stom er. In su ch a sit-
u ation tru st is cru cial. I h ave a sim ple
ru le : if a ven dor pal m s off a bad piece
wh ose defects are obviou s, I n ever go
back to th at person again . It is am az-
in g h ow often th at h appen s.
In m y opin ion , th e failu re of in -
st itu tion al eth i cs is as m u ch abou t
th ese little abu ses of tru st as an yth in g
else. Everyday th ievery is lik e r oad-
side trash ; if you let it accu m u late th e
wh ole n eigh bou rh ood stin k s.
289. Wh a t i s t h e m ean i n g of t h e
ph rase ‘pal m s off ’ as u sed in
th e passage ?
(1) steals from
(2) h ides away from
COMPREHENSION TEST
(3) bu ys qu ick ly
(4) acqu ires a good price for
(5) passes on by deception
290. Wh y, accordin g to the au th or, do
people repose tru st in Institu tions
th ey do n ot k n ow ?
(1) Th e m ar k et i n g st r at egi es
adopted by th ese in stitu tion s
mak e them tru stworth y in the
eyes of th e pu blic.
(2) M an y ot h er p eop l e b efor e
t h em h ave d on e t h e sam e
th in g th u s th ey feel safe.
(3) People learn from th e experi-
en ces of th eir rich er cou n ter -
parts wh o h ave availed of th e
services of th ese in stitu tion s.
(4) Th ey believe th at th ese in sti-
t u t i on s h ave t h e r equ i si t e
k n owledge an d will act on ly
in favou r of th e gen eral pu b-
lic.
(5) Th ese in st itu t ion s ch arge a
very h igh price for th e ser -
vices th ey provide which leads
people to tru st th em .
291. Wh y, accordin g to th e au th or, is
t h e b eh avi ou r of ex am i n er s a
break down of in stitu tion al m or -
als ?
(1) As th e in stitu tion en cou rages
ex am i n er s t o gi ve as l i t t l e
m ark s to stu den ts as possi-
bl e.
(2) As the in stitu tion is respon si-
ble for not en cou ragin g exam -
in ers to ven tu re ou tside th e
rote process.
(3) As th e exam in ers are told to
discou rage stu den ts from be-
in g creative by th e in stitu tion.
(4) As th e in stitu tion fails to pro-
vide adequ ate com pen sation
to th ese h ardwork in g exam -
in ers.
(5) As t h e in st itu ti on does n ot
h ave in form at ion regard in g
righ t an swers with it.
292. Wh ich of th e followin g is possi-
bly th e m ost appropriate title for
th e passage ?
(1) Modification s in In stitu tion al
Eth ics
(2) Little Deceptions Add to Larg-
er Tru st-Deficit
(3) India -A Cou ntry Withou t Eth-
ics
(4) Failu re of th e Govern m en t
(5) College -As an In stitu tion
-248-

293. Wh ich of t h e foll owin g is NOT
T RUE in th e con text of th e pas-
sage ?
(A) D espi t e bei n g awar e of th e
fact th at clien ts will n ot re-
tu rn , fru it an d vegetable ven -
dors sell bad goods.
(B) E x am i n er s ar e d evot ed t o
th eir jobs.
(C) Exam in ers deliberately m ark
correct an swers as in correct
on es.
(1) On ly (A) an d (C)
(2) Only (B)
(3) On ly (A)
(4) On ly (B) an d (C)
(5) Only (C)
294. Wh at, accordin g to th e au th or,
h appen s wh en th ere is a break -
down of tru st ?
(A) Less afflu en t people h ave to
com prom ise on qu ality.
(B) Ou r wel l b ei n g i s com p r o-
m ised.
(C) We pay a h igh er price for ser -
vices.
(1) On ly (A)
(2) On ly (A) an d (C)
(3) On ly (B) an d (C)
(4) Only (B)
(5) All (A), (B) an d (C)
295. Wh ich of th e followin g reason s,
m ak e/ s th e au th or an ideal cu s-
tom er t o a fru it an d veget ab le
ven dor ?
(A) H e/ sh e r em ai n s a r egu l ar
cu stom er of th e sam e vendor.
(B) He/ sh e d oes n ot h aggle for
pr ices.
(C) He/ sh e fin ish es th e selection
of goods in a sh ort tim e.
(1) Only (B)
(2) On ly (B) an d (C)
(3) Only (C)
(4) On ly (A) an d (B)
(5) All (A), (B) an d (C) are tru e
296. Wh y accordin g to th e au th or, do
in st it u t ion al fai lu res i n gover -
n an ce n ot m at t er on a l ar ger
scale ?
(1) Th e gen eral pu blic does n ot
car e ab ou t t h e fai l u r es of
th ese in stitu tion s as th ey do
n ot featu re in th eir lives at all.
(2) Su ch in stitu tional failu res are
alm ost n on -ex isten t an d do
n ot occu r often to m atter to
th e pu blic.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
COMPREHENSION TEST
(3) Th ese intru de in ou r lives on ly Di r ect i on s (3 0 4 -3 1 2) : Read th e
u n d er ex cep t i on al ci r cu m - following in terview and an swer th e giv-
stan ces wh ereas th e everyday en qu estions based on that som e words
lies contribu te to m u ch m ore. h ave been prin ted in bold to h elp you
locate th em wh ile an swerin g som e of
(4) Th ese ar e a p ar t of ever y
th e qu estion s.
cou n try’s problem s an d are
(Un i on Ban k Of I n di a PO
tak en with a pin ch of salt by
Ex am . 09. 01.20 01)
th e pu blic.
A pion eerin g n ew book , Gen der
(5) Th ese institu tion al failu res do an d Gr een Gov er n an c e, expl ores a
not hamper the fu n ctioning of cen tral qu estion : If wom en h ad ade-
the cou ntry in any manner and qu ate represen tation in forestry in sti-
are h en ce less im portan t. tu tion s, wou ld it m ak e a differen ce to
Di r ect i on s (2 9 7 –3 0 0 ) : Choose th em , th eir com m u n ities, an d forests
t h e wor d / gr ou p of wor d s wh i ch i s as a n ation al resou rce? In terview with
m ost si m i lar in mean in g to th e word/ th e au thor.
gr ou p of wor d s p r i n ted i n bo l d as Wh y h as access t o forest s been
su ch a con fl i ct -r i dden i ssu e ?
u sed in th e passage.
Th i s is n ot su rp risi n g. Forests
297. OBLI GAT ION
(1) respon sibility con stitu te n ot ju st com mu n ity and na-
tion al wealth , bu t global wealth . Bu t
(2) dependability
for m illion s, forests are also critical for
(3) compu lsion livelih oods an d th eir daily lives.
(4) debt (5) force You r fi r st book , Col d H ear t h s
298. EX PERT I SE an d Bar r en Sl opes (19 8 6 ), was abou t
(1) proficien cy (2) au thenticity for est s. I s t h er e an ev ol u t i on of ar -
gu m en t h er e ?
(3) inability (4) power
Yes in deed : In Cold Hearts an d
(5) reality
Barren Slopes, I h ad argu ed th at so-
299. PREMIUM
cial forestry, with its top-down im ple-
(1) monetary (2) extra m en tation an d focu s on com m ercial
(3) biased (4) fin est species, was n eith er ‘social’ n or for -
(5) demarcated estry’, an d wou ld protect n eith er for -
300. RECOUNT ED ests nor village livelih oods. Th e answer,
I argu ed, lay in allowin g forests com -
(1) distingu ish ed
m u n ities to m an age local forests. Fi-
(2) recalcu lated nally, in 1990, In dia lau n ch ed the joint
(3) n arrated forest m an agem en t p rogram m e an d
(4) rem em bered Nepal also started com m u n ity forest-
(5) com mu nicated ry. So I decided to see for m yself h ow
Di r ect i on s (3 0 1 –3 0 3 ) : Choose com m u n ity forestry was actu ally do-
ing.
t h e wor d / gr ou p of wor d s wh i ch i s
m o st o p p o si t e i n m ean i n g t o t h e Between 1995 an d 1999, I trav-
word/ grou p of word s p rin ted in bo l d elled exten sively across In dia an d Ne-
pal an d fou n d par adox : Forests were
as u sed in t h e passage.
in deed becom in g green er bu t wom en ’s
301. REPEAT problem of firewood sh ortages persist-
(1) copied (2) original ed an d i n m an y cases h ad b ecom e
(3) n ew (4) du plicate m ore acu t e. Also, despite th eir h igh
(5) replicated stak es in forests, wom en con tin u ed to
302. UNSK ILLED be largely exclu ded from forest m an -
agem en t. I coin ed th e term “participa-
(1) civilized (2) en ligh tened
tory exclu sion s” to describe th is. How-
(3) amateu r (4) trained ever, th e cu rren t book is less abou t
(5) cu ltu red wom en ’s ex cl u si on . I ask : Wh at i f
303. M ISERABLE wom en were presen t in forest gover -
(1) despon den t n an ce ? Wh at differen ce wou ld th at
m ak e ?
(2) en ergetic (3) dynamic
Bu t h as t h i s qu est i on n ot been
(4) vigorou s (5) joyou s
r ai sed befor e ?
-249-

Economists research in g environ -
m en tal collective action h ave paid little
attention to gen der. Scholars from oth -
er disciplines focu ssin g on gen der an d
governan ce h ave been con cern ed main-
ly wi th wom en ’s n ear absen ce fr om
govern an ce institu tion s. The presu mp-
tion is th at on ce wom en are presen t
all good th in gs will follow. Bu t can we
assu m e th is ? No. Ru ral wom en ’s rela-
tion sh ip with forests is com plex.
On th e on e h an d, th eir everyday
depen den ce on forests for firewood,
fodder, etc, creates a stron g stak e in
con servation . On th e oth er, th e sam e
depen den ce can com pel th em to ex-
tract h eavily from forests. As on e lan d-
less wom an t old m e : ‘Of cou r se, it
h u rts m e to cu t a gr een bran ch bu t
wh at do I do if m y ch ildren are h u n -
gry? Tak ing an agn ostic position , I de-
cided to test varied proposition s, con -
t r ol l i n g for oth er factors.
Wh at di d y ou fi n d ?
First, wom en ’s greater presen ce
en h an ces th eir effective voice in deci-
sion -m ak in g. An d t h ere is a criti cal
m ass effect : If forests m an agem en t
grou p s h ave 2 5-33 per cen t fem al e
members in th eir execu tive comm ittees
it sign ifican tly in creases th e lik elihood
of wom en atten din g m eetin gs, speak -
ing u p an d h oldin g office. However, th e
in clu sion of lan dless wom en m ak es a
particu lar differen ce. Wh en presen t in
su fficien t n u m bers th ey are m ore lik e-
ly to atten d m eetin gs an d voice th eir
con cern s th an lan ded wom en. So what
matters is not ju st inclu ding more wom-
en , bu t m ore poor wom en .
Sec o n d , a n d u n ex p ec t ed l y ,
gr ou p s wi t h m or e wom en t ypi cal l y
m ak e stricter forest u se ru les. Wh y is
th is th e case ? Main ly becau se th ey
receive poorer forests from th e forest
departm en t. To regen erate th ese th ey
have to sacrifice their imm ediate n eeds.
Wom en fr om h ou seh olds with som e
lan d h ave som e fallback . Bu t rem ark -
ably even in grou ps with m ore lan d-
l ess wom en , al t h ou gh ex tr act ion i s
h igh er, th ey still balan ce self-in terest
with con servation goals, wh en placed
in decision -mak in g positions.
Th ird, grou ps with m ore wom en
ou tperform oth er grou ps in im provin g
forest con ditions, despite getting poorer
forests. In volvin g wom en su bstan tial-
ly im proves protection and con flict res-
olu tion , h elps th e u se of th eir k n owl-
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
edge of local biodiversity, an d raises
ch ildren ’s awaren ess abou t con serva-
tion.
304. Wh at was au th or’s view on ‘So-
cial Forestry Sch em e’?
(1) A great su ccess
(2) Ben eficial for villagers
(3) Neith er good n or bad
(4) Sh ou ld have been implem en t-
ed as ‘top-down ’
(5) Non e of th ese
305. Wh ich of th e followin g is on e of
t h e r eason s of for ests b ein g a
con flict-ridden issu e ?
(1) Som e cou n tr ies h ave lar ger
forest cover
(2) There is less awareness abou t
global warm in g
(3) High depen den ce of m an y on
forest s
(4) Less represen tation of wom -
en
(5) Less represen tati on of l ocal
women
306. Th e au th or is advocatin g in clu -
sion of
(1) More lan dless wom en
(2) More lan ded wom en
(3) More wom en ir resp ect ive of
th eir fin an cial statu s
(4) Local people
(5) You n ger wom en i n t h e age
grou p of 25-33 years
307. Wh ich of th e followin g best de-
scribes “participatory exclu sion”,
as u sed in th e in terview ?
(1) Ou tside su pport
(2) Overdep en den ce
(3) Benefitting without self interest
(4) Contribu tin g with profits
(5) Non e of th ese
308. In th e secon d qu estion , th e in -
terviewer ask ed -’Is th ere an evo-
lu tion of argu m en t h ere ?’Which
of th e fol lowi n g best describ es
th at ?
(1) F r om B ar r en t o G r een er
slopes
(2) Fr om l ocal grou p s t o l ocal
grou ps with m ore wom en
(3) A fin e balan ce between con -
servation and commercial for -
est ry
(4) Top-down approach to Com -
m u n ity forestry
(5) Par t i ci p at or y ex cl u si on t o
Green er slopes
COMPREHENSION TEST
309. Wh at per cen t of fem ale m em -
bers in th e Execu tive Com m ittee
for Forest Man agem en t is bein g
recom m en ded by th e au th or ?
(1) Less th an 25%
(2) More th an 50%
(3) 100%
(4) Abou t 75%
(5) Non e of th ese
310. Why does au thor say, ‘Ru ral wom-
en ’s relation sh ip with forests is
complex’?
(1) Depen den ce forces th em to
extract an d also h ave concern
for con servation
(2) If th ey protect forest s, th eir
livelih ood is severely affected
(3) Poor wom en h ave been ex-
clu ded from forest m an age-
ment
(4) Th ey can n ot be ask ed to re-
store forests wh ich are criti-
cal for th em
(5) Green er forests do n ot m eet
th e requ irem en t of firewood
311. Lan dless wom en , wh en in deci-
sion m ak in g role
(1) extract m u ch m ore from for -
est
(2) im prove th eir own fi n an cial
statu s
(3) do n ot care for forest
(4) are able to m eet con servation
objectives as well as th eir own
in terest
(5) fu lfill th eir own in terest at th e
cost of con servation goals
312. Wh en m ore wom en are in volved,
wh ich of th e followin g also h ap-
pen s ?
(1) Th ey get poorer forests
(2) They come to k now abou t con-
servation n eeds
(3) Ch ildren becom e m ore aware
abou t conservation
(4) Th ey are able to devote m ore
tim e to con servation
(5) Th ey get a m ore com preh en -
si ve u n der st an d in g of l ocal
biodiversity
Di r ect i on s (3 1 3–3 2 0) : Read th e
f o l l ow i n g p a s s age c a r ef u l l y a n d
an swer t h e qu estion s given b elow i t.
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bol d to h elp you locate them
while answering som e of the qu estions.
(Cor porat i on Ban k PO
Exam . 16.01.2011)
-250-

A n ew an alysis h as determ in ed
th at th e th reat of global warm in g can
still be greatly di m i n i sh ed if n ation s
cu t em ission s of h eat-trappin g green -
h ou se gases by 70% th is cen tu ry. Th e
an alysis was don e by scien tists at th e
Nation al Cen ter for Atm osph eric Re-
search (NCAR). Wh ile global tem pera-
tu res wou ld rise, th e m ost dan gerou s
pot en tial aspects of clim at e ch an ge,
in clu din g m assi v e losses of Arctic sea
ice an d permafrost and si gn i fi can t sea-
Ievel rise, cou ld be partially avoided.
“Th is research in dicates th at we
can no longer avoid significan t warm ing
d u r i n g t h i s cen t u r y ,” sai d N CAR
scien tist Warren Wash ington , the stu dy
paper’s lead au th or. “Bu t, if th e world
were to implemen t th is level of emission
cu ts, we cou ld stabilize th e th reat of
clim ate ch an ge”, h e added.
Average global temperatu res have
warmed by close to 1 degree Celsiu s
sin ce th e pre-in du strial era. Mu ch of
the warming is du e to hu m an-produ ced
em i s s i on s of gr een h o u s e ga ses ,
pr edom i n an t l y carbon dioxide. Th is
h eat-trappin g gas h as in creased from
a pre-indu strial level of abou t 284 parts
per m illion (ppm ) in th e atm osph ere to
m or e t h an 3 8 0 p p m t od ay . Wi t h
r esear ch sh ow i n g t h at ad d i t i on al
warm in g of abou t 1 degree C may be
th e th resh old for dan gerou s-clim ate
ch an ge, th e Eu ropean Union h as called
for dram at i c cuts in emissions of carbon
dioxide and oth er green h ou se gases.
To exam in e th e im pact of su ch
cu ts on th e world’s climate, Washin gton
an d h is colleagu es ran a series of global
s t u d i es w i t h t h e N C AR- b as ed
Com m u n i t y Cl i m at e Syst em M od el
(CCSM), Th ey assu m ed th at carb on
dioxide levels cou ld be held to 450 ppm
at th e en d of th is cen tu ry. In con trast,
em ission s are n ow on track to reach
abou t 750 ppm by 2100 if u n check ed.
The team’s resu lts showed that if carbon
dioxide were h eld to 450 ppm , global
tem per atu res wou l d in crease by 0.6
degrees Celsiu s above cu rren t readin gs
by th e en d of th e cen tu ry. In con trast,
th e stu dy sh owed th at tem peratu res
wou ld rise by alm ost fou r tim es th at
am ou n t to 2.2 degrees Celsiu s above
cu r ren t r eadi n gs, if em i ssion s wer e
allowed to con tin u e on th eir presen t
cou rse. Holdin g carbon dioxide levels
to 450 ppm wou ld have oth er im pacts,
accor d i n g t o t h e cl i m at e m od el i n g
stu dy.
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Sea-level rise du e to th erm al ex-
p an s i on a s w a t er t em p er a t u r es
w ar m ed w ou l d b e 1 4 cen t i m et r es
(abou t 5.5 in ch es) in stead of 22 cen ti-
m etres (8.7 in ch es). Also, Arctic ice in
the su mmertime wou ld sh rin k by abou t
a qu arter in volu m e an d stabilize by
2100, as opposed to shrink in g at least
th ree-qu arters an d con tin u in g to m elt,
an d Arctic warm in g wou ld be redu ced
by alm ost h alf.
313. Wh y h as th e Eu r opean Un ion
called for dram atic cu ts in car -
bon dioxide an d green h ou se gas
em ission s ?
(1) As global warm in g is n ot an
issu e of con cern
(2) As the tem peratu res m ay rise
alm ost by an addition al on e
degree an d th is m ay lead to
severe clim ate ch an ge.
(3) As th e NCAR h as forced th e
Eu ropean Union to ann ou nce
th e cu ts.
(4) As all th e n ation s h ave decid-
ed to cu t em ission s of carbon
dioxide.
(5) Non e of th ese
314. Wh at wou ld NOT be on e of th e
im pacts of cu tti n g green h ou se
gas em ission s ?
(1) Tem peratu res will stop soar -
ing
(2) Ice i n t h e Arcti c sea wou ld
m elt at a slower pace
(3) Th e rise in sea level wou ld be
lesser
(4) All of th e above wou ld be th e
impact
(5) Non e of th ese
315. Wh at wou ld be th e im pact of u n -
ch eck ed gr een h ou se gas an d
carbon dioxide em ission s ?
(1) Th e tem peratu re wou ld rise
from the cu rren t tem peratu re
by 2.2 degrees Celsiu s
(2) Th e sea-level wou ld rise by
abou t 5.5 in ch es
(3) Th e arctic ice wou ld stabilize
by 2100
(4) Th e arctic ice wou ld redu ce
by on e-fou rth
(5) Non e of th ese
316. Wh at can be th e m ost appropri-
ate title of th e above passage ?
(1) A stu dy of th e rise in water
level
(2) A st u dy of rise i n tem p era-
tu res
COMPREHENSION TEST
(3) A s t u d y o f t h e eff ec t s o f
green h ou se gas em ission s
(4) A stu dy of th e Arctic region
(5) A stu dy of ch an ge in season s
317. Which of th e following statemen ts
is tru e in con text of th e passage?
(1) At presen t th e carbon diox-
i d e em i ssi on i s ab ou t 2 8 4
ppm .
(2) The carbon dioxide em ission s
will be abou t 450 ppm at th e
en d of t h i s cen t u r y i f u n -
ch eck ed.
(3) Th e carbon dioxide em ission
was abou t 380 ppm du rin g
th e pre-in du strial era.
(4) The carbon dioxide em ission s
will be abou t 750 ppm at th e
en d of t h i s cen t u r y i f u n -
ch eck ed.
(5) Non e of th ese
318. Wh at does th e scien tist Warren
Wash in gton m ean wh en h e says
“we cou ld stabilize th e th reat of
clim ate ch an ge” ?
(1) C l i m a t e c h a n ge c a n b e
stopped com pletely.
(2) Clim ate ch an ge can be regu -
larized.
(3) Climate ch an ge and its effects
can be stu died exten sively.
(4) Th e ill-effects of th e ch an ge
in clim ate can be m in im ized.
(5) Non e of th ese
319. Wh y d i d Wash i n gt on an d h i s
coll eagu es con d u ct a ser ies of
stu dies ?
(1) Becau se they realized th at the
tem peratu re in crease was al-
m ost abou t 1 degree
(2) So th at th ey cou ld stabilize
th e clim ate ch an ge
(3) So th at th ey cou ld h elp th e
Eu ropean Union in cu tting the
carbon dioxide em ission s
(4) Becau se th ey fou n d ou t th at
th e greenhou se gas emissions
cou ld be cu t by 70%
(5 ) To ex am i n e th e i m p act s of
em ission cu ts on clim ate
320. Wh at wou l d b e t h e i m p act of
h oldin g th e carbon dioxide level
at 450 pp m at t h e en d of t h is
cen tu ry ?
(A) Gl ob al t em per at u r es wou ld
in crease by 0.6 degrees Cel-
ciu s.
(B) Arctic warm in g wou ld be re-
du ced by h alf.
-251-

(C) Th erm al expan sion will stop
com pletely.
(1) On ly (A)
(2) On ly (A) an d (B)
(3) On ly (B) an d (C)
(4) All th e th ree (A), (B) an d (C)
(5) Non e of th ese
Di r ect i on s (3 2 1 -3 2 9) : Read th e
following passage carefu lly and answer
th e qu estion s given below it. Certain
words/ ph rases are prin ted in bol d to
h elp you to locate th em wh ile an swer -
in g som e of th e qu estion s.
(Pun j ab & Si n d Ban k PO
Ex am . 23. 01.20 11)
Th e ou tside wor ld h as pat an -
swers con cer n in g extrem ely im pover -
ish ed cou n tri es, especi all y th ose in
Africa. Everyth in g com es back , again
an d again , to corru ption an d m isru le.
Wester n officials argu e th at Africa sim -
ply n eeds to beh ave itself better, to al-
low m ark et forces to operate with ou t
in ter feren ce by corru pt ru lers. Yet th e
critics of African govern an ce h ave it
wron g. Politics sim ply can’t explain Af-
rica’s pr ol on ged econ om ic crisis. Th e
claim t h at Africa’s corru ption is th e
basic sou rce of th e problem does n ot
withstan d seriou s scru tiny. Du rin g th e
past decade I witn essed h ow relative-
ly well -govern ed cou n tries in Africa,
su ch as Gh an a, M al aw i , M al i an d
Sen egal , fail ed t o p r osp er, wh er eas
societies in Asia perceived to h ave ex -
t en si v e cor r u pt i on , su ch as B an g-
ladesh , In don esia an d Pak istan , en -
joyed rapid econ om ic growth .
Wh at is th e explan ation ? Every
situ ation of extreme poverty arou n d the
world contain s som e of its own u niqu e
cau ses, wh ich n eed to be diagn osed
as a doctor wou ld a patien t. For exam -
ple, Africa is bu rden ed with m alaria
lik e n o oth er part of th e world, sim ply
becau se it is u n lu ck y in providin g th e
p er fect con d i ti on s for t h at d isease;
h igh tem peratu res, plen ty of breedin g
sites an d particu lar species of m alar -
ia-transm ittin g mosqu itoes th at prefer
to bite h u m an s rath er th an cattle.
An oth er m y t h is th at th e devel-
oped world already gives plen ty of aid
to th e world’s poor. For m er U.S. Sec-
retary of th e Treasu ry, Pau l O’Neil ex-
pressed a com m on fru stration wh en
h e r em ark ed ab ou t ai d for Afr i ca :
“We’ve spent trillions of dollars on these
problems and we have damn near noth-
in g to sh ow for it”. O’Neil was n o foe
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COMPREHENSION TEST
of for eign aid. In deed, h e wan ted to (2) d efi n i t e i n for m at i on ab ou t
fix th e system so th at m ore U.S. aid wh at is h appen in g in u n der
cou ld be ju stified. Bu t h e was wron g developed cou n tries
to believe th at vast flows of aid to Afri- (3) stopped exten din g an y fin an -
ca h ad been sq u an d er ed. Presiden t ci al ai d t o u n d er devel op ed
Bu sh sai d in a pr ess con feren ce in cou n tries
April 2004 th at as “th e greatest power (4) m isconception s abou t th e aid
on th e face of th e earth , we h ave an given to th e poor n ation s by
obl i gat i on to h elp th e spread of free- developed cou n tries
dom . We h ave an obligation to feed th e (5) Non e of th ese
h u n gry”. Yet h ow does th e U.S. fu lfill
322. Accordin g to th e Wester n ers th e
its obligation ? U.S. aid to farm ers in
solu tion to eradicate poverty of
poor cou ntries to h elp them grow m ore
African n ation s lies in
food ru n s at arou n d $200 m illion per
year, far less th an $1 per person per (1) corru ption
year for th e h u n dreds of m illion s of (2) im provin g th eir own n ation al
people living in su bsistence farm hou se- behaviou r
h olds. (3) misru le
From th e world as a wh ole, th e (4) prolon ged econ om ic crisis
am ou n t of aid per African per year is (5) Non e of th ese
really very sm all, ju st $30 per su b-Sa- 323. Th e au th or h as given th e exam -
h aran African in 2002. Of th at m od- ple of Bangladesh , In donesia an d
est am ou nt, almost $5 was actu ally for Pak istan in su pport of h is argu -
con su ltan ts from th e don or cou n tries, m en t th at
m ore th an $3 was for em ergen cy aid, (1) corru ption is th e m ajor cu lprit
abou t $ 4 wen t for servici n g Africa’s in th e way of prosperity
debts an d $ 5 was for debt-relief op-
(2) m is-govern an ce h am pers th e
eration s. Th e rest, abou t $12, wen t to
prosperity of n ation s
Afr i ca. Sin ce t h e “m on ey down t h e
drain”argu ment is heard most frequ ent- (3) despite ram pan t corru ption ,
ly in th e U.S., it’s worth look in g at th e n ation s m ay prosper
sam e calcu lation s for U.S. aid alon e. (4) developed n ation s arrogan tly
In 200 2, t h e U.S. gave $ 3 per su b- n egl ec t u n d er d ev el op ed
Sah aran African . Tak in g ou t th e parts cou n tries
for U.S. con su ltan ts an d tech n ical co- (5) Non e of th ese
operation , food an d oth er em ergen cy 324. Th e au th or h as m en tion ed Gh a-
aid, adm in istrative costs an d debt re- n a as a cou n try with
lief, th e aid per African cam e to gran d (1) reason ably good-govern an ce
total of 6 cen ts. (2) corru pt leadersh ip
Th e U.S. h as prom ised repeat- (3) plen ty of n atu ral resou rces
edly over th e decades, as a sign atory
(4) rapid econom ic growth
to global agreem en ts lik e th e Mon ter -
rey Consen su s of 2002, to give a mu ch (5) Non e of th ese
larger proportion of its an n u al ou tpu t, 325. The cases of m alaria in Africa are
specifically u pto 0.7% of GNP, to offi- m ain ly du e to
cial developm en t assistan ce. Th e U.S. (A) h igh tem peratu re
failu re to follow th rou gh h as n o politi- (B) clim atic condition s con du cive
cal fallou t dom estically, of cou rse, be- for breedin g.
cau se n ot on e in a million U.S. citizen s (C) m al ar i a car r i er s’ l i k i n g for
even k n o w s o f s t a t em en t s l i k e h u m an blood in preferen ce to
th e Mon terrey Con sen su s. Bu t n o on e th at of cattle.
sh ou ld u nderestim ate th e salience th at (1) Non e of th ese
it h as arou n d the world. Spin as Am er -
(2) On ly B an d C
ican m igh t abou t th eir n ation ’s gen er -
osity, the poor cou ntries are fu lly aware (3) On ly A an d C
(4) On ly A an d B
of wh at th e U.S. is n ot doin g.
321. Th e passage seem s to em ph asize (5) All th e th ree
th at th e ou tside world h as 326. Th e rem ark of form er U.S. Sec-
(1) correct u n derstan din g abou t retary of the treasu ry, Pau l O’Neil,
th e reason able aid provided is accordin g to th e au th or
by th e USA to th e poor cou n - (1) a statem en t of fact
tries (2) n ot factu ally correct
-252-

(3) an u n derestim ati on of U.S.
aid
(4) a ru th less rem ark by an ar -
rogan t bu reau crat
(5) Non e of th ese
327. Presiden t Bu sh ’s statem en t in a
Press Con feren ce in April 2004
in dicates th at
(1) th e aid given by th e U.S. to
th e poor cou ntries is su bstan-
tial an d su fficien t
(2) th e spread of freedom can n ot
be ach ieved throu gh fin ancial
aid
(3) feedin g th e h u n gry m illion s
ou tside th e U.S. is n ot possi-
ble
(4) th e U.S., on its own , assu m es
th e obligation of h elpin g th e
poor cou n tries
(5) U.S. h as spen t trillion s of dol-
lars on aid
328. Which of th e following statemen ts
is TRUE abou t U.S. aid to th e
su b-Sah aran African cou n tries?
(1) Th e U.S. ai d m ean t for p er
capita African does n ot reach
the incu m ben t
(2) Th e U.S. aid to African cou n -
tries is m ore th an th at for an y
oth er developin g or u n derde-
veloped n ation
(3) Th e U.S. ai d for far m ers in
African cou n tries is $ 200 m .
per year
(4) Th e don or cou n t ry ch arges
$ 5 per in dividu al as th e con -
su ltan cy ch arges
(5) U.S. h as been con t ri bu ti n g
m ore th an 0.7 % of its GNP
for developm en t assistan ce
329. Th e pu r p ose of t h e au t h or i n
writin g th is passage seem s to __.
(1) criticize USA for n ot provid-
in g adequ ate fin an cial help
(2) m ak e Afri can s real ize th ei r
own problem s
(3) analyze the actu al qu antu m of
aid again st th e perceived on e
(4) h igh ligh t h ow American lead-
ers are power -h u n gry
(5) Non e of th ese
Di r ec t i o n s (3 3 0 –3 3 9 ) : Read
th e followin g passage to an swer th e
given qu estion s. Som e words/ phrases
h ave been prin ted in bold to h elp you
locate th em wh ile an swerin g som e of
th e qu estion s.
(UCO Ban k PO Ex am . 30.01.2011)
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H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
At first glan ce, th e govern m en t
seem s to h ave don e a U-tu rn on im -
posing a m andatory 2 per cent expen -
ditu re from com pan y profits on cor -
porate social respon sibility. Th e Com -
pan ies Bill reportedly won ’t h ave th is
provision . Look closer, an d it’s a case
of “m an dat i n g wi t h ou t m an dat i n g”
as an in du stry voice describes it. Th e
r ewor k ed p r op osal , i t ’s sai d , ask s
fir m s to h ave a form al CSR policy tar -
getin g a 2 per cen t spen d, an d to fu r -
n ish details of fu n ds goin g to social
cau ses i n an n u al r epor t s. In oth er
words, wh ile k eepin g u p a tech n ical
pr eten ce of n ot legal ly ar m -t wi sti n g
In d ia In c, th e Cen tr e seek s t o ex ert
h eavy m oral pressu re by stipu latin g
disclosu res if n ot actu al expen ditu re.
To qu ote th e corporate affairs m in is-
ter, CSR spending won ’t be “volu n tary”
or “m an datory” bu t “som ewhere in be-
tween ” ! Wh y th is gr ey area, u n l ess
th e govern m en t wan ts leeway to play
gu ilt-in du cing big broth er ?
Social spen din g sh ou ld be self-
willed, n ot least becau se Indian firm s
h ave a good record already. To boost
private participation in social service
fu rth er, th e gover n m en t sh ou ld offer
in cen tives su ch as ”CSR credits” or tax
ben efits. At th e sam e tim e, th e legal
system can rap firms th at violate, say,
green n orm s or cau se oth er form s of
pu blic dam age. As th e fin an ce m in is-
ter con ceded on ly recen tly, corporate
social con scien ce can ’t be parach ut e-
dr opped by politician s or lawcou rts.
Companies themselves k now that CSR
m ak es good sen se, wi n n i n g h ear t s
an d bu ildin g bran ds. Bu t for CSR to
not be merely decorative or pu rely m a-
nipu lative in the sen se of deflecting at-
ten t ion fr om b ad p ract ices, com p a-
n ies’m ain focu s m u st be on core op-
eration s. Wh at cou n ts first is corpo-
rate perform an ce driven by efficien cy,
eth ics an d good gover n an ce. Th at’s
how bu siness k eeps fai t h wi t h sh are-
h olders, delivers qu ality produ cts an d
services to con su m er s, creates jobs
and spu rs economic growth. And that’s
also h ow it best ben efits society.
330. Bu sin ess can k eep h elpin g th e
society by
(1) win n in g h earts by in vestin g
m ore in social activities
(2) im proving th eir performance,
effici en cy wh i ch r esu l ts i n
econom ic growth
(3) bu ilding brands and com pet-
in g im ages
COMPREHENSION TEST
(4) spen ding larger sh are of their
profit on CSR
(5) Non e of th ese
331. Wh ich of th e followin g best ex-
plain s th e m eaning of the phrase
“m an dat i n g wi t h ou t m an dat -
i n g” ?
(1) m otivatin g withou t mak ing it
compu lsory
(2) m an datin g and th en tak in g a
U tu rn
(3) a com plete self-willed exer -
ci se
(4) m an dating by incentivizin g
(5) Non e of th ese
332. Wh ich of th e social cau ses, for
wh ich expen ditu re u n der CSR
m ay be m ade, are in dicated in
th e passage?
(1) Pr ovi d i n g l egal ser vi ce t o
th ose wh o can n ot afford it
(2) Expenditu re on bu ilding im -
age of n ew produ cts
(3) Edu catin g th e m asses in ar -
eas wh ere literacy rate is low
(4) Not in dicated in th e passage
(5) Non e of th ese
333. Accord in g to t h e au t h or, CSR
spen d sh ou ld be
(1) t wo p er cen t of Com p an y’s
profits
(2) targeted u pto two percen t of
Com pan y’s profit
(3) t wo p er cen t of Com p an y’s
tu rn over
(4) “som ewh ere in between ” on e
to two percen t of Com pan y’s
profits
(5) com pletely volu n tary
334. Wh ich of th e followin g best ex-
plain s th e m eaning of the phrase
“parach ut e-dropped” ?
(1) lan d safely
(2) tak e u n der on e’s fold
(3) to brin g-in from ou tside
(4) fed on con tin u ou s basis
(5) protected withou t commitment
335. Wh ich of th e followin g best ex-
plain s th e m eaning of the phrase
“k eeps fai t h wi t h ” ?
(1) rem ains com m itted
(2) follows u p
(3) treats as God
(4) seek s allegiance from govern-
ment
(5) h as strategic allian ce
-253-

336. “CSR spen din g won ’t be “volu n -
tary” or “m an datory” bu t “som e-
wh er e i n bet ween ” ! Wh y th is
grey ar ea, u n l ess t h e govern -
m en t wan ts leeway to play gu ilt-
in du cin g big broth er?” Wh ich of
th e followin g best explain s th e
above?
(1) To m ak e th em feel bad
(2) To en su re th at th ey do wh at
is stipu lated
(3 ) To’ h ar ass t h em by h i gh -
h andedness
(4) Providin g su pport lik e a big
brother to those who toe-the-
line
(5) Exploitin g grey area to on e’s
own advan tage by companies
337. Wh ich of th e followin g wou ld in -
crease private p arti cipation in
social service?
(1) Imposing a mandatory expen-
ditu re on su ch activities
(2) Not imposing a mandatory ex-
pen ditu re on su ch activities
(3) Offerin g tax con cession s on
expen ditu re on su ch activi-
ties
(4) Advisin g th em n ot to both er
abou t CSR
(5) Trying to artificially bu ild cor -
porate social con scien ce
338. Wh ich of th e followin g is bein g
referred to as ‘grey area’?
(1) Earn in g profit an d doin g so-
cial work
(2) Eit h er ‘CSR Cr edits’ or tax
ben efits
(3) Neith er m an datory n or vol-
u ntary
(4) Financially su pporting as well
as ar m -t w i st i n g In d i a I n c
(5) Role of St ate-vs-Cen tral
Govern m en t
339. As far as social work / ser vi ce
con trib u tion is con cern ed, In -
dian Com pan ies have
(1) dism al record
(2) good record
(3) lack adaisical approach
(4) always abided by th e m in i-
m u m spendin g stipu lation
(5) resisted for an y m an datory
imposition
Di rect i on s (340 –3 47) : Read the
following passage carefu lly and answer
th e qu estion s given below it. Certain
words/ ph rases h ave been prin ted in
bol d t o h elp you locate th em wh i le
an swerin g som e of th e qu estion s.
(Ban k Of Baroda PO Exam . 13.03.2011)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
It was in th e offin g. With sh ort-
ages m ou n t in g acr oss th e board for
wat er as th ey are for en ergy, it was
on ly i n ev i t abl e th at th e Cen tral gov-
ern m en t wou ld be stirred in to startin g
a Bu reau of Water Efficien cy (BWE),
m u ch lik e th e Bu reau of En ergy Effi-
cien cy (BEE) th at was lau n ch ed som e
years ago.
Ear ly rep orts su ggest th at th e
draft n orm s for variou s sectors con -
su m i n g w at er w i l l b e cr ea t ed b y
th e BWE soon . Th e alarm bells h ave
been rin gin g for som e years n ow. Wa-
ter availability per capita in In dia h as
fallen from abou t 5 m illion litres in th e
1950s to 1.3 m illion litres in 2010 -
th at’s a st agger i n g 75 per cen t drop in
50 years. Nearly 60 per cen t of In dia’s
aqu ifers h ave slu m ped to critical lev-
els in ju st th e last 15 years. Th e rate
at wh ich borewells are bein g plu n ged
in every city with n o law to ban su ch
ext ract ion , grou n dwater tabl es h ave
depleted alarm in gly.
Th e BEE’s efforts in th e last sev-
en years have on ly been cosm et i c. Th e
bu reau h as look ed at efficien cy ratin g
system s for wh ite goods in th e dom es-
tic sector, an d h as n ot paid atten tion
to th e m assive con su m ption of en ergy
in metals m an u factu re, paper, and tex-
tiles. Th ese sectors are ver y in ten se
in both en ergy an d water con su mption.
Bu t very little atten tion h as been paid
to the water an d en ergy u sed per tonn e
of steel or cem en t or alu m in iu m th at
we bu y, an d withou t sign ifican t chang-
es in th ese areas, th e overall situ ation
is u n lik ely to ch an ge.
Use of water is in extricably in -
terlin k ed with en ergy. On e does n ot
ex i st w i t h ou t t h e ot h er. Th e B WE
shou ld steer clear of the early mistak es
of BEE - of focu sin g on th e ‘softer tar -
gets’in th e dom estic sector. Nearly 80
per cen t of fresh water is u sed by ag-
ricu ltu re, with indu stry com in g a close
secon d . Th e d om est i c sect or ’s con -
su m ption of fresh water is in sin gle
digit. So th e BWE’s priority sh ou ld be
to look at m easu res th at will get farm -
ers an d in du strialists to follow good
practices in water u se. Water resou rc-
es h ave to be m ade, by law, an in di-
visible n ation al asset. Th e protection
an d wi th dr awal of th i s resou r ce, as
well as its su stain able developm en t are
of gen eral im portan ce an d therefore in
the pu blic in terest. Th is will m ean that
in dividu als and organisation s may own
land bu t n ot water or th e other resou rc-
COMPREHENSION TEST
es th at lie below th e first 20 m etres of
th e su rface of th ose lan ds. Drillin g of
borewells into su ch ‘national assets’will
h ave to be ban n ed, or at th e very least
th ey m u st be regu lated. Wh at wou ld
be m ore sen si ble for th e n ew wat er
bu reau to do wou ld be to look at som e
of th e l ow-h an gi n g fr ui t s t h at can be
pl u c k ed , an d p r et t y q u i c k l y , wit h
laws th at can em an ate from th e Cen -
tre, with ou t th e risk of eith er dilu tion
or inaction from state adm inistrations.
Th e oth er t act i cal approach th at th e
BWE can adopt is to devise a policy
th at addresses th e seriou s water ch al-
len ge in in du stry segm en ts across a
swath e of com pan ies: th is will be eas-
ier th an tak in g on th e m ore disparate
dom estic sector wh ich h u rts th e wa-
ter crisis less th an in d u stry. Im p le-
m en tin g a law is m ore feasible wh en
th e con cen tration is den se an d iden ti-
fiable. In du stry offers th is advan tage
m ore th an th e dom estic or th e com -
m ercial sector of h otels an d offices.
As for agricu lt u re, t h ou gh th e
cou ntry’s water requ irem en t is as h igh
as 80 per cen t, th e growin g of water
with in th e loop in agricu ltu re de-risk s
th e ch allen ge of an y perceived deficit.
Rice, wh eat, su garcan e are crops th at
n eed wat er -loggi n g, wh i ch en su r es
grou n dwater restoration . Su rface wa-
ter evaporation doesn ’t am ou n t to an y
m or e t h an 7 - 8 p er cen t an d on l y
strength en s precipitation an d rainfall.
Agricu ltu re and water n eed is n ot qu ite
as m u ch a th reat as in du stry an d do-
m estic sectors that accou nt for th e rest
of th e 20 per cen t.
Th e prim ary ch allenge in indu s-
try an d th e bu ildin g sector is th at n o
con sciou s legal m easu res h ave been
en acted th at stipu late ‘growin g you r
own water’with m easu res that will ‘pu t
all water in a loop’in an y residential or
com m er ci al b u i ld i n g. Th i s in volves
treatin g all u sed water to a grade th at
it can be ‘u pcyled’for u se in flu sh tan k s
an d for garden s across all ou r cities
with th e pollu ter own in g th e respon si-
bility for treatin g an d for reu se. Th e
drop in fresh water dem an d can be
dram at i c with su ch u pcycle, reu se, and
recycle of treated water. Water by it-
self in in du stry an d th e dom estic sec-
tor, is n ot as m u ch a ch allen ge as pol-
lu tion of water. Not en ou gh m easu res
exist yet to en su re th at su ch pollu ters
sh ift th e water back for reu se. If legis-
lation can en su re th at water is treated
an d reu sed for specific pu rposes with in
-254-

in du st ry as well as i n th e dom est ic
sector, th is will m ak e all th e differen ce
to th e crisis on fresh water.
So is th e case in in du stry, espe-
cially in sectors lik e textiles, alu m in i-
u m an d steel. Agricu ltu re offers u s th e
am u sin g iron y of th e edu cated u rban -
ites dependen t on cereals lik e rice an d
wheat that consu me 4000 litres of water
for every Kilogram m e, wh ile th e farm -
er lives on th e m ore n u tritiou s m illets
th at con su m e less th an h alf th e qu an -
tity. Su garcan e con su m es as m u ch as
12,000 litres of water for a k ilo of can e
th at you bu y !
A listin g of su ch correlation s of
water u sed by every produ ct th at we
u se in ou r daily lives will m ak e m u ch
better sen se th an an y elaborate ratin g
system from th e n ewly form ed BWE.
Su ch sen sitizing with concerted aware-
n ess cam paign s th at th e n ew Bu reau
drives will im pact th e u rban con su m -
er m ore th an all th e research fin din gs
th at experts can presen t. Wh at is im -
portan t for u s is to u n derstand th e life-
cycle im pact in a way th at we see th e
con n ect between a produ ct th at we u se
an d th e resou rces it u tilizes u p to th e
poin t wh ere we brin g th e visible con -
n ect to destru ction of n atu ral resou rc-
es of ou r ecosystem s.
340. How, accordin g to th e au th or,
can th e bu reau sen sitize th e u r -
ban consu mer abou t carefu l u ti-
lization of water ?
(1) By en cou ragin g th em to con -
su m e m or e ri ce in st ead of
m illets daily an d th ereby re-
d u ce t h e am ou n t of wat er
consu m ption.
(2) By providin g th em m ore in -
si gh t i n t o t h e wat er con -
su m ption cycle of th e textile,
alu m in iu m an d steel in du s-
tr ies.
(3) By m ak ing th em aware of th e
lin k ages between water con -
su m ption for daily activities
an d th e resou rce u tilization
an d su bsequ en t ecol ogi cal
d est r u ct i o n a s so c i at ed
with it.
(4) By pu blish in g research fin d-
i n gs of ex per t s i n p op u lar
m edia wh ereby people gain
awaren ess on th e im pact of
water m isu se.
(5) B y co n d u ct i n g el ab or a t e
drives wh ich n otify th e u r -
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ban population abou t the pen-
alties levied on misu se of wa-
ter resou rces.
341. Wh y, according to th e-au th or, is
th e water con su m ption for agri-
cu ltu ral activities the least risk y?
(1) Pr op or t i on o f w at er con -
su m ed for agricu ltu ral activ-
it ies is m u ch l ess as com -
pared to th at con su m ed for
dom estic an d in du strial pu r -
poses.
(2) M ost far m ers ar e aware of
th e popu lar m ethods of water
con servation an d h en ce do
n ot allow wastage of water.
(3) Water is fairly recycled through
grou n dwater restoration du e
to water -logging an d su rface
water evaporation.
(4) Farm ers in In dia m ostly cu l-
tivate crops th at requ ire less
am ou n t of water.
(5) Non e of th ese
342. Wh ich of th e followin g is possi-
bly th e m ost appropriate title for
th e passage?
(1) Water Ch allen ges in th e New
Millenniu m
(2) Th e Bu reau of Water Efficien-
cy Vs th e Bu reau of En ergy
Efficien cy
(3) Un check ed Urban Con su m p-
tion of Water
(4) Challenges of the Agricu ltu r -
al Sector an d Water Resou rc-
es
(5) The Rou te to Conservation of
Water Resou rces)
343. Wh at does ‘l ow-h an gi n g fr u i t s
t h at can be pl u ck ed, an d pr et -
t y qu i ck l y ’m ean in th e con text
of th e passage?
(1) Th e bu reau sh ou ld em ploy
th e ch eapest m eth ods possi-
ble to effectively control th e
cu rren t situ ation of improper
u sage of water resou rces.
(2) The bu reau shou ld target th e
in du strial sector as well as
the dom estic sector to redu ce
water wastage.
(3) The bu reau shou ld target th e
agr icu ltu ral sector on ly for
pr odu cin g qu i ck r esu lts in
redu cin g wastage of water.
(4) Th e b u reau sh ou ld en su re
th at all the state officials con-
cern ed with the m easu res are
actively in volved.
COMPREHENSION TEST
(5) The bu reau sh ou ld start with
adopting measu res which are
sim ple to execu te an d pro-
d u ce i m m edi at e r esu lt s i n
redu cin g water wastage.
344. Wh ich of th e followin g, accord-
in g to th e au th or, is/ are th e in -
dication / s of a water crisis?
(A) Man y agrarian areas in th e
cou ntry are facing a drou ght-
lik e situ ation .
(B) Alm ost th ree-fifth of th e n at-
u r al ly avai l ab l e wat er h as
been redu ced to a very criti-
cal level in a relatively sh ort
span of tim e.
(C) Th ere h as been a sign ifican t
drop in th e availability of wa-
ter over th e past fifty years
(1) Only (B)
(2) On ly (A) an d (C)
(3) Only (C)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C)
345. Th e au t h or su ggests t h at th e
Bu reau of Water Efficien cy de-
vises a strategy or m ak es laws
to m eet water ch allen ges in th e
in du strial segm en ts rath er th an
th e dom estic segm en ts becau se
(1) Th e in du strial sector is th e
on ly on e th at is in a position
to redu ce its water con su mp-
tion by a sign ifican t m argin .
(2) Th ere is com paratively less
seriou s water m isu se in th e
dom estic sector
(3) It wou ld be easy to iden tify
th e con su m ption pattern s in
the in du strial sector becau se
of its den sity an d visibility.
(4) Th e in du strial sector wou ld
be capable of paying the fin es
levied by th e Bu reau for wa-
ter m isu se wh ereas th e do-
m estic sector wou ld be in n o
su ch position .
(5) Th e in du strial sector wou ld
be easier to man age in term s
of m ak in g th em u n derstan d
th e im portan ce of water con -
servation .
346. Wh ich of th e followin g, accord-
ing to the au thor, is/ are the step/
s th at th e Bu reau of Water Ef-
ficiency can tak e to ensu re proper
u tilization of water resou rces?
(A) Pu t in place m easu res th at
en su re proper water u sage.
-255-

(B) Concentrate on the water con-
su m ption pattern s of the do-
m estic sector alon e.
(C) Monitor carefu lly th e activity
of diggin g borewells.
(1) On ly (A) an d (C)
(2) On ly (A) an d (B)
(3) On ly (A)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C)
347. Wh i ch of th e followin g is t ru e
abou t th e Bu reau of En ergy Ef-
fi ci en cy, i n th e con text of t h e
passage?
(A) It failed to pay adequ ate at-
ten tion to indu stries lik e m et-
al , texti les, et c in term s of
en ergy con su m ption .
(B) It focu sed on ratin g system s
for efficien t u se of goods in
th e dom estic sector.
(C) It m ostly focu sed on th e en -
ergy con su m ption in th e do-
m estic sector.
(1) On ly (A) an d (C)
(2) On ly (A) an d (B)
(3) On ly (A)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C)
Di r ect i on s (3 4 8–3 5 5) : Read th e
following passage carefu lly and answer
th e qu estion s given below it. Certain
words/ ph rases h ave been prin ted in
bol d to h elp you locate th em wh ile an -
swerin g som e of th e qu estion s.
(Al l ah abad Ban k PO Ex am . 17.04.2011)
Th e pri ce of gold h as gon e u p
fr om $ 2 56 an ou n ce in 2 00 1 to $
1,424. Mean wh ile, p rice level s h ave
stru ggled or crash ed with respect to
alm ost all oth er asset classes. Cen tral
ban k s h ave slash ed in terest rates. Yet
gold prices, it h as been predicted, m ay
go u p an d u p. Th e m an y reason s for
th is ren ewed love are con vin cin g. In -
terestin gly, n ot lon g ago pu n dits h ad
predicted th e en d of gold as th e world’s
defau lt asset class an d were clu bbin g
it with com modities. It appears th at the
yellow m etal is m ak in g a com eback to
reassert th e pre-em in en ce it h as en -
joyed for 5,000 years of h istory.
Its su pply is falling. No new m ines
h ave been d i scover ed . Th e exi st in g
on es are gettin g ex h au st ed, an d m in -
ers are diggin g as deep as 5 k m . Gold
con ten t i n ore h as com e d own from
alm ost 12 gm . a ton n e to 2 gm . An d it
costs m ore an d m ore to tak e th at ou t.
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En vir on m en tal c on c er n s h ave al so
contribu ted to m in e-owners’problems.
Th e wages of m in ers are goin g u p; so
is th e cost of providin g th em safety an d
secu rity.
Em er gi n g econ om i es su ch as
China and India are accu mu lating gold
in order to redu ce th eir depen den ce
on th e dollar. Wh ile th e U. S. h as a
reserve of 9,200 ton n es of gold, Ch in a
h as 1 ,0 5 4 t on n es an d I n d i a 5 6 5
ton n es. No won der, as em ergin g eco-
n om ic su perpowers Ch in a an d In dia
wan t to add to th e reserves. In du stri-
al u se of gold is on th e rise th e world
over. With the U. S. econ om y still drift-
in g with th e th reat of th e dollar losin g
its u n dispu ted position of reserve cu r -
ren cy th e ru sh to gold is in creasin g.
Added to all th is is th e rek in dled
in vestor -preferen ce for gold. Mon ey is
m ovin g away from m u tu al fu n ds an d
equ ities an d th e on ce fash ion able an d
often discredited h edge fu n ds are also
get t in g i n t o gol d , Exch an ge tr ad ed
fu nds (ETFs) are ch ann elin g ever more
fu n d s t o gol d. Som e p en sion fu n ds
are in creasin g th e proportion of gold
in th eir bask et of assets. Given all th is,
gold can go n owh ere bu t u p. Th at is
th e con sen su s.
Everyon e seem s to be join in g th e
n ew gold ru sh . Bu t is everyth in g well
with gold ? Or is it a bu bble bu ildin g
up ?
Con sider th e con ven tion al wis-
dom . Mon ey gen erally gets di st r i bu t -
ed, thou gh n ot in an y fixed proportion ,
am on g asset s su ch as r eal est at e,
stock s, cash , govern m en t secu rities,
gold, com m odities, an d in n ew in vest-
m en t s i n fact or i es an d m ach i n er y.
Th ere is n o state of equ ilibriu m in a
glob al econ om y. M on ey get s t r an s-
ferred across geograph ical bou n daries
an d asset classes based on an ticipat-
ed gain s. As lon g as th e flow is rea-
son able an d is gen erally in lin e with
t h e i n cr ease i n ret u r n s, t h is work s
well. Bu t wh en every on e rush es t o t h e
sam e dest i n at i on , we are look in g for
t r o u b l e. E x cess d em an d , t h o u gh
often artificial, creates excess su pply,
as in th e case of real estate. Excess
su pply leads to price crash es.
Is som eth in g sim ilar h appen in g
in gold ? The gen eral consensu s is ‘n o.’
Gold is differen t. It h as n ever let an y-
on e down in 5,000 years. It is in de-
stru ctible. Its su pply is l i m i t ed. Th e
argu m en t in th e case of gold is th at
COMPREHENSION TEST
excess dem an d can n ot create excess
su pply as the total world su pply is lim -
ited. Bu t th is tim e it is differen t. Is it
really so ? Gold h as also gon e u p an d
d own i n t h e p ast . It was $ 42 4 an
ou n ce in 1990 before crashing to $ 255
in 2001. Still, it m oves on ly with in a
ran ge an d h u ge flu ctu ation s are n ot
possible in gold, argu e som e people,
Actu ally, gold gave mu ch better retu rns
i n t h e 1 9 8 0 s , on l y t o st a gn a t e
an d lose th ose gain s in th e 1990s.
A crash of gold prices cou ld be
th e u lt im ate cr ash , n ot h i n g lik e we
h ave seen . No on e h as m an aged to dis-
credit th e yellow m etal in 5,000 years.
Bu t it appears th at for th e first tim e in
h istory th e ETFs, th e h edge fu n ds an d
th e govern m en ts are abou t to do th e
u n doable. Th e fact th at it h as n ot al-
ready h appen ed is n o gu aran tee th at
it will n ot h appen . Look at all th e easy
m oney com in g in to gold. All those wh o
h ave sh ifted m on ey from real estate,
m u tu al fu n ds, pen sion fu n ds, h edge
fu n ds an d stock s are pou rin g it in to
gold. Gold ETFs are th e fastest grow-
in g in vestm en t veh icles today. Th is is
all real qu ick m on ey, bu t can evapo-
rate at th e click of a k ey. Of cou rse,
govern m en ts su ch as Ch in a an d In dia
are also bettin g on gold an d in creasin g
th eir reserves. Bu t th en , wh oever said
govern m en ts can m ak e n o m istak es?
Th e in trinsic valu e of gold h as n ot
gon e u p from $ 255 to $ 1,424 in 10
years, Gold is n ot con su m ed h eavily
lik e oil or grain . In du strial u se of gold
is lim ited. Gold is th e m ost recycled
com m odity. Of th e an n u al produ ction
of 2,50 0 t on n es, abou t 5 0 p er cen t
goes to m ak e jewellery an d it is alm ost
en tirely recycled. Th e rest goes to in -
du strial an d other u ses, an d even h ere
t h e r ecycli n g r at e i s h i gh . In ot h er
words, all that demand is ar t i fi ci al and
can be deflated in n o tim e. Th ere is n o
n eed to h ave excess su pply to lead to
a price crash , u n lik e oth er produ cts.
Th e sh eer fact th at gold is on ly a h edge
in st ru m en t an d does n ot ser ve an y
practical u se by itself, will n egate th e
‘there-is-no-n ew-su pply’theory. Som e-
on e som ewh ere is watch in g for th e
perfect m om en t to disgorge th e h oard,
to create su dden pan ic an d bu y u p fol-
lowin g a crash .
Th ere is n o sign th at a crash is
goin g to com e tom orrow, or for th at
m atter n ext year or th e year after, It
m ay still go u p for two or five or even
10 years. Bu t crash it will, if we are to
-256-

go by th e econ om ic h istory of boom
an d bu st. Also, th e h igh er it goes an d
t h e l on ger i t st ays t h er e, t h e m or e
pai n fu l th e crash is goin g to be, espe-
cially for In dia, In dian s sit on an esti-
m a t ed 1 8 ,0 0 0 t o n n es. I n d i a h as
always had the largest gold reserve with
individu als. Im agin e wh at will happen
to m i l l i on s of I n d i an s if
gold were to crash . A crash of gold will
be the crash of th e Indian econ omy.
Th at sh ou ld m ak e u s m ore re-
sponsible. Th at m ak es it im perative for
ou r econom ists to track gold movement.
Th at m ak es it im portan t for ou r fin an -
cial wizards to prevent a bu bble in gold,
Th at sh ou ld force u s to act before it
h appen s. Never in h istory h ave we h ad
so m u ch idle m on ey ch asin g so little
gold. Gold is losin g its respect as th e
defau lt an d fail-safe asset class an d
becom in g a specu lat ive in stru m en t.
Th is shift of gold from bein g an item of
p assi ve weal th to an i n str u m en t of
specu lation is dan gerou s. Gold is be-
in g talk ed u p by crafty. specu lators and
u n su spectin g govern m ents. An d these
prediction s are bein g m ade by th ose
sittin g on gold worth billion ’s of dollars
bou gh t at yesterday’s prices.
348. Wh ich of th e followin g best ex-
plains ‘wh en every on e rush es t o
t h e sam e dest i n at i on ’in the con-
text of th e passage ?
(1) On ly real estate is in vested in
by a m ajority.
(2) A m ajority in vests in every-
th in g else except for gold.
(3) Everyone wants to become rich
at th e sam e tim e.
(4) Everyon e ru sh es to th e sam e
place in order to bu y gold.
(5) Noth in g else bu t gold is in -
vested in by a m ajority.
349. Wh ich of th e followin g is/ are th e
gen eral opin ion s abou t gold ?
(A) Its su pply, alth ou gh lim ited,
wil l be able to m eet its de-
man d.
(B) Th e price of gold will k eep on
increasing.
(C) It is th e best in vestm en t at
pr esen t.
(1) On ly (A) an d (C)
(2) On ly (A) an d (B)
(3) On ly (A)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C)
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350. Wh at i s t h e au t h or ’s op i n i on
abou t in vestm en t in gold?
(1) It shou ld not be in vested in at
all.
(2) Ch in a sh ou ld in vest m ore in
gold in order to redu ce its de-
pen den ce on th e dollar.
(3) I t s h ou l d b e i n v est ed i n
sparin gly.
(4) It is th e on ly lu crative in vest-
m en t of th e fu tu re.
(5) Th e govern ment shou ld in vest
m ore in gold in stead of oth er
assets.
351. Wh ich of th e followin g is tru e, in
th e con text of th e passage?
(A) Gold is being increasingly u sed
for in du st ri al pu rp oses t h e
world over.
(B) In dia h as lesser gold reserve
as com pared to US an d Ch i-
na.
(C) Cou n tries lik e US an d Ch in a
h ave n ow stopped in vestin g
in gold for fear of its prices
crash in g.
(1) On ly (A) an d (C)
(2) On ly (A) an d (B)
(3) On ly (A)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C)
352. Wh at is th e au th or’s fear with re-
gard to gold ?
(1) Its lim ited su pply will affect
the operation s of m ost in du s-
tries in In dia.
(2) Its su rgin g dem an d will n ot
be met with an adequate su pply
and will bring about a downturn
in the Indian economy.
(3) Its prices will su dden ly dip
wh ich in tu rn will adversely
affect m an y people in In dia.
(4) It will become a comm odity so
h igh ly priced th at n o In dian
will be able to bu y it.
(5) Non e of th ese
353. Wh ich of th e followin g, accord-
in g to the passage, is/ are the rea-
son / s for t h e i n crease i n gold
prices?
(A) Fai lu re i n di scover in g n ew
m ines.
(B) Depleting content of gold in ores.
(C) In crease in th e rem u n eration
of m in ers.
(1) On ly (B)
(2) On ly (A) an d (C)
(3) Only (C)
(4) On ly (B) an d (C)
(4) All (A), (B) an d (C)
COMPREHENSION TEST
354. Wh y, accordin g to th e au th or, is
th e dem an d for gold artificial ?
(1) Most gold th at is u sed is also
recycled an d th ere is n o n eed
for fresh su pply.
(2) Indu stries demand gold for the
pu rpose of stock in g an d do
not actu ally u se it for an y pro-
cess.
(3) Th e su pply of gold is too little
as com p ared to its dem an d
th ereby m ak in g it artificial.
(4) Th e am ou n t of gold actu ally
needed by indu stries an d oth-
ers is m u ch l ower an d th e
am ou n t qu ot ed h as b een
h yped by th e govern m en t.
(5) Non e of th ese
355. Wh ich of th e followin g is possi-
bly th e m ost appropriate title for
th e passage?
(1) Gold an d its Uses
(2) Govern m en t’s In vestm en t in
th e Yellow Metal
(3) Gold Consu mption Worldwide
(4) Th e Bu bble Arou n d th e Yel-
low Metal.
(5) Investment in Gold Alone - The
Way Ahead
Di r ect i on s (3 5 6–3 6 3) : Read th e
following passage carefu lly and answer
th e qu estion s given below it. Certain
words/ ph rases h ave been prin ted in
bold to h elp you locate th em wh ile an -
swerin g som e of th e qu estion s.
(I n di an Ov er seas Ban k PO
Ex am . 22. 05.20 11)
In dia’s colleges an d u n iversities,
w i t h j u st a few ex cep t i on s, h ave
becom e large, u n der -fu n ded, u n gove-
rn able in stitu tion s. At m an y of th em ,
politics h as in tru ded in to cam pu s life,
influ encing academic appointments and
d eci s i on s ac r o ss l ev el s. U n d er
in vestm en t in l ibr ari es, i n form ati on
t ec h n ol o gy , l ab o r at o r i es , a n d
classroom s m ak es it very difficu lt to
p r ovi d e t op -qu al i t y i n st r u ct i on or
en gage in cu ttin g-edge research . Th e
r i s e i n t h e n u m b er o f p ar t - t i m e
teach ers an d th e freeze on n ew fu ll-
t i m e app oi n tm en ts i n m an y p l aces
h ave affected m orale in th e academ ic
profession . Th e lack of accou n tability
m ean s t h at t each i n g an d r esear ch
perform ance is seldom m easu red. Th e
syst em pr ovi des few i n c en t i v es t o
perform . Bu reau cratic in ertia h ampers
ch an ge. Stu den t u nrest an d occasion al
facu lty agi tation d isru pt operati on s.
-257-

Never t h el ess, w i t h a sem b l an ce of
n orm ality, facu lty adm in istrators are
able to provide teach in g, coordi n ate
exam in ation s, an d award degrees.
Even th e sm all top tier of h igh er
ed u cat i on faces ser i ou s p r ob l em s.
Man y IIT gr adu ates, well tr ain ed in
tech n ology, h ave ch osen n ot to con -
tribu te th eir sk ills to th e bu r geon i n g
tech n ology sector in In dia. Half leave
the cou n try imm ediately u pon gradu a-
tion to pu rsu e advan ced stu dy abroad
- an d m ost do n ot retu rn . A stu n n in g
86 per cen t of stu den ts in scien ce an d
tech n ology fields from In dia wh o ob-
tain degrees in th e Un ited States do
n ot retu rn h om e im m ediately followin g
th eir stu dy. An oth er sign ificant grou p,
of abou t 30 per cen t, decides to earn
MBAs in In dia becau se local salaries
are h igh er — an d are lost to scien ce
an d tech n ology. A corps of dedicated
an d able teach ers work at th e IITs an d
IIMs, bu t th e lu re of jobs abroad an d
in th e private sector m ak es it in creas-
in gly difficu lt to retain th e best an d
brigh test to th e academ ic profession .
Few in In d ia are th i n k in g cr e-
atively abou t h igh er edu cation . Th ere
is n o field of h igher edu cation research.
Th ose in govern m en t as well as aca-
dem ic leaders seem con t en t to do th e
“same old thin g.” Academic in stitu tions
an d system s h ave becom e large an d
com plex. Th ey n eed good data, care-
fu l an al ysi s, an d cr eat i ve i d eas. In
Ch in a, m ore t h an two-dozen h igh er
edu cation research cen tres, an d sev-
eral govern m en t agen cies are in volved
in h igher edu cation policy for optim u m
plann ing.
In dia h as su rvived wit h an in -
creasin gly m edi ocre h igh er edu cation
sy st em for d ecad es. Now as I n d i a
st r i ves t o com p et e i n a gl ob al i sed
econ om y in areas th at requ ire h igh ly
tr ain ed pr ofession al s, t h e qu al ity of
high er edu cation becomes in creasingly
important. So far, In dia’s large edu cated
popu lation base an d its reservoir of at
least m oderately well-train ed u n iver -
sity gradu ates have permitted the cou n-
try to m ove ah ead. Bu t th e com peti-
tion is fi er ce. Ch in a in particu lar is
h eavily in vestin g in im provin g its best
u n iversities with th e aim of m ak in g a
sm all grou p of th em world class in th e
com in g decade, an d m ak in g a larger
n u m ber internationally com petitive re-
search u n iversities.
To com pete su ccessfu lly in th e
k n owledge-based econ om y of th e 21st
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cen tu ry. In dia n eeds en ou gh u niversi-
ties that not only produ ce bright gradu -
ates for export bu t can also su pport
soph isticated research in a n u m ber of
scien tific an d sch olarly fields an d pro-
du ce at least som e of th e k n owledge
an d tech nology n eeded for an expan d-
in g econ om y. How can In dia bu ild a
h igh er edu cation system th at will per -
mit it to join developed economies? The
newly em erging private sector in high er
edu cation can n ot spearhead academic
growt h . Sever al of th e well-en dowed
an d effectively m an aged private in sti-
tu tions m ain tain reasonably h igh stan-
dards, alth ou gh it is n ot clear wh eth er
th ese in stitu tion s will be able to su s-
tain th em selves in th e lon g ru n . Th ey
can help produ ce well-qu alified gradu -
ates in su ch fields as management, bu t
th ey can n ot form th e basis for com -
preh en sive research u n iversities. Th is
sector lack s th e resou rces to bu ild th e
facilities requ ired for qu ality in stru c-
tion and research in th e scien ces. Most
of th e private in stitu tion s do n ot focu s
on advan ced train in g in th e scien ces.
On ly pu blic u niversities h ave the
poten tial to be tru ly world class in sti-
tu tions. Bu t these in stitu tions h ave n ot
been adequ ately or con sisten tly su p-
ported. Th e t op in sti tu tion s requ i re
su stained fu nding from pu blic sou rces.
Academic salaries mu st be high enou gh
to attract excellen t scien tists and schol-
ar s. Fel l ow sh i p s an d ot h er gr an t s
sh ou ld be available for brigh t stu dents.
An academ ic cu ltu re th at is based on
merit-based norms an d com petition for
advan cem en t an d research fu n ds is a
necessary compon ent, as is a judi ci ous
mix of au tonom y to do creative research
an d accou ntability to en su re produ c-
tivity. World class u n iversities requ ire
world class professors and stu dents and
a cu ltu re to su stain and stimu late them.
356. Wh at, accordin g to th e au th or, is
th e sh ortfall of ou r govern m en t
officials as well as academ ician s
wh en it com es to h igh er edu ca-
tion?
(1) Th ey are of th e opin ion th at
In dia h as th e best system of
high er edu cation in the world.
(2) Th ey believe th at it is th e re-
sponsibility of private in stitu -
tion s to brin g abou t a ch an ge
in h igh er edu cation .
(3) Th ey are u n aware of th e n ew
developm en ts in th e field of
h igh er edu cation .
COMPREHENSION TEST
(4) Th ey are u n willin g to in vest
m on ey in h igh er ed u cat ion
d esp i t e get t i n g su ffi ci en t
gran ts for th e pu rpose.
(5) Th ey do n ot th ink inn ovatively
in th e di rection of br in gi n g
abou t a change in h igher edu -
cation and are stu ck in a ru t.
357. Wh ich of th e followin g is/ are th e
problem / s faced by In dian col-
leges an d u n iversities?
(A) Political in terferen ce in deci-
sion m ak in g
(B) Lack of fu n din g n ecessary for
im provem en t in classroom s,
libraries, etc.
(C) Hirin g of teach ers on a part-
tim e basis on ly.
(1) On ly (A)
(2) On ly (B) an d (C)
(3) On ly (C)
(4) On ly (A) an d (B)
(5) All (A), (B) an d (C)
358. Wh ich of th e followin g steps h as
Ch in a tak en to im prove h igh er
edu cation?
(A) Their edu cation policy form a-
ti on i n volves m an y gover n -
m en tal bodies for th ou gh tfu l
plann ing.
(B) Th ey are san ction in g gran ts
to th eir teach ers to facilitate
th e im provem en t process.
(C) Th ey are in vestin g in u n iver -
sities to m ak e th em in tern a-
tionally competitive.
(1) On ly (B)
(2) On ly (A) an d (C)
(3) On ly (C)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C)
359. How, according to the au thor, h as
In dia progressed despite a m e-
diocre high er edu cation system ?
(1) By borrowin g ideas as well as
tech n ology from th e west.
(2) By con vin cin g th e world th at
it is more k nowledgeable th an
it actu ally is .
(3) On th e basis of its fairly com -
peten t gradu ates an d a large
number of educated population.
(4) Becau se of its sou n d and pro-
gressive econ om ic policies.
(5) On th e basis of th e goodwill
accu m u l at ed by it over t h e
year s,
-258-

360. Wh ich of th e followin g is possi-
bly th e m ost appropriate title for
th e passage?
(1) Literacy in In dia
(2) State of High er Edu cation in
India
(3) Top Un iversities of In dia
(4) Edu cation al In stitu tes in In -
dia
(5) Com parative Stu dy of High er
Edu cation in India an d Ch in a
361. Wh ich of th e followin g problem s
do top in stitu tes in In dia face in
term s of con tribu tion to academ -
ics?
(A) Th e teach ers of th ese in sti-
tu tes get en ticed by th e open -
in gs in foreign cou n tries.
(B) Man y gradu ates from th ese
in stitu tes fin d opportu n ities
abroad an d n ever retu rn .
(C) Gradu ates from th ese in sti-
tu tes wh o do n ot m igrate to
foreign cou ntries are u n fit for
teach in g in th ese in stitu tes.
(1) On ly (A)
(2) On ly (C)
(3) On ly (B) an d (C)
(4) On ly (A) an d (B)
(5) All (A), (B) an d (C)
362. Wh ich of th e followin g is t r u e, in
th e con text of th e passage?
(A) Private u n iversities are well
equ ipped to produ ce gradu -
ates who can conduct research.
(B) India n eeds m ore u n iversities
t h at can cat er t o r esear ch
stu dies in differen t scien tific
fiel ds.
(C) In dia sh ou ld com pletely stop
gradu ates from l eavi n g th e
cou n try to pu rsu e a career.
(1) On ly (B)
(2) On ly (A) an d (B)
(3) On ly (A)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C)
363. What, according to the au thor, is/
are th e step/ s th at can m ak e In -
dian u n iversities world class ?
(A) Stu den ts n eed to be given in -
d ep en den ce to con d u ct re-
search
(B ) Rem u n er at i on of t each er s
sh ou ld be in creased
(C) Proper su pport in th e form of
fu n ds sh ou ld be provided to
u niversities
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(1) On ly (A) an d (B)
(2) On ly (C)
(3) All (A), (B) an d (C)
(4) On ly (B) an d (C)
(5) On ly (A)
Di r ect i on s (3 6 4 -3 6 9 ) : Read th e
following passage carefu lly and answer
th e qu estion s given below it. Certain
words are prin ted in bol d to h elp you
to locate th em wh ile an swerin g som e
of th e qu estion s.
(I BPS Ban k PO/ M T CWE
Ex am . 18. 09.20 11)
In a reversal of th e n orm else-
wh ere, in In dia policym ak ers an d econ-
om ists h ave becom e optim ists wh ile
bosses do th e worryin g. Th e cou n try’s
Cen tral Ban k h as predicted th at th e
cou n try’s econ om y is lik ely to grow at
a dou ble digit rate du rin g th e n ext 20-
30 years. In dia h as th e capability with
its vast labou r an d lau ded en trepre-
n eu rial spirit. Bu t th e private sector
wh ich is su pposed to do th e h eavy lift-
in g th at tu rn s In dia from th e world’s
ten th largest econ om y to its th ird larg-
est by 2030 h as becom e fed u p. Bu si-
n ess people often carp abou t In dia’s
problem s bu t th eir irritation th is tim e
h as a n ervou s edge. In th e first qu ar -
ter of 2011, GDP grew at an an n u al
rate of 7.8 percen t; in 2005-07 it m an -
aged 9-10 percen t. Th e econ om y m ay
be slowin g n atu rally as th e low in ter -
est rates an d pu blic spen din g th at got
In dia th rou gh th e global crisis are be-
latedly with drawn . At th e sam e tim e
th e su rge in in flation cau sed by exor -
bi tan t food p ri ces h as spr ead m ore
wid ely, cast in g d ou b t over wh et h er
In dia can grow at 8-10 percen t in th e
m ediu m term with ou t overh eatin g.
In In dia, as in m an y fast growin g
n ation s, th e con fiden ce to in vest de-
pen ds on th e con viction th at th e lon g
term trajectory is in tact an d it is th at
wh ich is in dou bt. Big In dian firm s too
som et i m es seem h ap p i er t o i n vest
abroad th an at h om e, in deals th at are
often h ailed as sym bols of th e cou n -
t r y’s gr owin g c l ou t b u t som et i m es
speak to its weak n esses - pu rch ases
of n atu ral resou rces th at In dia h as in
abu n dan ce bu t stru ggles to get ou t of
th e grou n d. In fact a fu rth er dip in in -
vestm en t cou ld be self-fu lfilling: if few-
er roads, ports an d factories are bu ilt,
th is will h u rt both sh ort term growth
figu res an d redu ce th e econ om y’s lon g
term capacity.
COMPREHENSION TEST
Th ere is a view th at becau se a
fair am ou n t of growth is assu red th e
govern men t need not try very hard. The
li ber ali sat ion reform s th at began in
1991 freed m ark ets for produ cts an d
gave rise to vibran t com petition , at th e
sam e tim e wh at econ om ists call factor
m ark ets, th ose for basic in pu ts lik e
lan d, power, labou r etc rem ain u n re-
form ed an d largely u n der state con -
trol, wh ich creates difficu lties. Clear -
an ces t oday can t ak e th r ee t o fou r
years an d m an y em ployers are k een
to replace work ers with m ach in es de-
spite an abu ndance of labou r force. This
can be attribu ted to labou r laws which
are in im ical to em ployee creation an d
an edu cation system th at m ean s fin d-
in g qu ality manpower a major problem.
In fact th e Plan n in g Com m ission , con -
clu ded th at even ach ievin g 9 percen t
growth will need m ar k ed policy action
in u n reform ed sectors. Twen ty years
ago i t was sai d t h at t h e yar d st i ck
again st wh ich In dia sh ou ld be m ea-
su red was its poten tial an d it is clear
th at th ere rem ain s m u ch to do.
364. Wh y are em ployers relu ctan t to
h ire In dian labou r force?
(A) In dia’s labou r force is over -
qu alified for th e em ploym en t
opportu n ities available
(B) High attrition rate among em -
ployees stem m in g from th eir
en trepren eu rial spirit.
(C) Labou r laws are n ot con du -
ci ve t o gen er at i n g em p l oy-
m en t.
(1) On ly (C)
(2) All (A), (B) an d (C)
(3) On ly (A) an d (C)
(4) On ly (A) an d (B)
(5) Non e of th ese
365. Wh at is th e state of In dia’s basic
in pu t sectors at presen t?
(1) Th ese sectors attract Foreign
Direct In vestm en t becau se of
th eir vast poten tial.
(2) Th ese sectors are laggin g as
projects are u su ally awarded
to foreign com pan ies.
(3) Th ese sectors are stagn atin g
an d badly in n eed of reform s.
(4) Th ese sectors are well regu -
lated as th ese are govern ed
by th e State
(5) Non e of th ese
-259-

366. Wh ich of th e fol lowi n g can be
said abou t th e In dian econ om y
at presen t?
(1) It can comfortably achieve dou -
ble digit growth rate at present.
(2) High food prices h ave led to
overh eatin g of th e econ om y.
(3) Citizen s are afflu en t owin g to
laxity in regu lation .
(4) Private sector con fid en ce in
In d i a’s gr owt h p ot en t i al i s
high
(5) U n r efor m ed sect or s ar e a
drag on econ om ic growth .
367. Wh at impact has th e GDP growth
of 7.8 percen t h ad?
(A) In d ian In d u st ry is an xi ou s
a b ou t I n d i a’s ec o n om i c
growth .
(B) In dia h as ach ieved statu s as
the world’s third largest econ -
om y at presen t.
(C) Foreign in vestm en t in In dia
h as drastically in creased.
(1) On ly (A)
(2) All (A), (B) & (C)
(3) On ly (A) & (C)
(4) On ly (A) & (B)
(5) Non e of th ese
368. Wh at is th e au th or’s m ain objec-
tive in writin g th e passage ?
(1) Sh owcasin g th e poten tial of
In d ia’s growt h p ot en t i al t o
en tice foreign in vestors
(2) Exh ortin g In dia to implem en t
m easu res to live u p to its po-
tential
(3) Recom mending India’s model
of developm en t to oth er de-
veloping cou n tries
(4) Beratin g the private sector for
n ot bidding for in frastru ctu re
developm en t projects
(5) Criticisin g the m easu res tak -
en by In dia du rin g th e global
econ om ic crisis
369. Wh at m easu res do experts su g-
gest be tak en to en su re targeted
econom ic growth ?
(1) Lowerin g of in terest rates to
h elp in du stries h it by reces-
sion
(2) Prolon ged fin an cial su pport
for basic in pu t in du stries
(3) In cen tives to In dian com pa-
n ies to in vest in infrastu ctu re
(4) Form u lation of policies an d
th eir implem entation in factor
m ark ets
(5) Strin gen t-im plem en tation of
licen sing system
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Di r ect i on s (3 7 0–3 7 6) : Read th e
following. passage carefu lly and answer
th e qu estion s given below it. Certain
words/ ph rases h ave been prin ted in
bol d t o h elp you locate th em wh i le
an swerin g som e of th e qu estion s.
(I BPS Ban k PO/ M T CWE 18.09.2011)
In Feb r u ar y 2 0 1 0 t h e M ed i cal
Cou n cil of In dia an n ou n ced a m ajor
ch an ge in th e regu lation govern in g th e
establishmen t of m edical colleges. With
th is ch an ge, cor porate en ti ties were
per m i t t ed to open m edical colleges.
Th e n ew regu l ation also car ried th e
following warning: “perm ission shall be
with drawn if the colleges resort to com-
m ercialization ”. Sin ce th e regu lation
does not elaborate on wh at con stitu tes
“resortin g to com m ercialisation ”, th is
will presu m ably be a m atter left to th e
discretion of th e Govern m en t.
A b asi c r equ i r em en t for a n ew
m edical college is a pre-existin g h ospi-
tal th at will serve as a teach in g h ospi-
tal. Corporate en tities h ave h ospitals
in th e m ajor m etros an d th at is wh ere
th ey will h ave to locate m edical colleg-
es. Th e earlier m an dated lan d requ ire-
m en t for a m edical col lege cam p u s,
m in im u m of 25 acr es of con tigu ou s
lan d, can n ot be fu lfilled in th e m etros.
Not su rprisingly, yet an oth er tweak h as
been m ade in th e regu lation , prescrib-
in g 10 acres as th e new m in imu m cam-
pu s size for 9 cities inclu din g th e main
m etros. With th is, th e stage is set for
corporate en tities to en ter th e m edical
edu cation m ark et.
Un til n ow, m edical edu cation in
In dia h as been projected as a n ot-for -
profit activity to be organ ised for th e
pu blic good. Wh ile private bodies can
ru n m edical colleges, th ese can on ly
be societies or tru sts, legally non-profit
organ ization s. In open in g th e door to
corporate colleges, th u s, a m ajor poli-
cy ch an ge h as been effected with ou t
ch an gin g th e law or even a discu ssion
in Parliam en t, bu t by sim ply gettin g a
com pl i an t MCI to ch an ge th e regu la-
tion on establish m en t of m edical col-
leges. Th is an d oth er ch an ges h ave
been ju stified in th e n am e of address-
in g th e shortage of doctors. At th e same
tim e, over 50, existin g m edical colleg-
es, in clu din g 15 r u n by th e govern -
m en t, h ave been proh ibited from ad-
m ittin g stu den ts in 2010 for h avin g
failed to m eet th e basic stan dards pre-
scribed. Nin ety per cen t of th ese col-
leges h ave com e u p in th e last 5 years.
COMPREHENSION TEST
Particu larly sh ock i n g is th e ph enome-
n on of govern m en t coll eges f al l i n g
sh or t of stan dar ds appr oved by th e
Govern m en t. Wh y are stat e gover n -
m en t in stitu tion s n ot able to m eet th e
requ irem en ts th at h ave been approved
by th e cen tral govern m en t? A severe
problem faced by govern m en t-ru n in -
stitu tion s is attractin g an d retain in g
teach in g facu lty, an d th is is lik ely to
be am on g th e m ajor reason s for th ese
col l eges fai l i n g t o sat i sfy t h e M CI
n orm s. Th e crisis bu ildin g u p on th e
facu lty fron t h as been fl agged by var -
iou s com m ission s look in g In to prob-
lem s of m edi cal ed u cat ion over t h e
year s.
An in dicator of th e crisis is th e
attempt to con ju re u p facu lty when MCI
carries ou t in spection s of n ew colleg-
es, on e of i t s regu lat or y fu n ct i on s.
J u dgin g by n ews reports, th e practice
of presen tin g fak e facu lty-stu den ts or
private m edical practition ers h ired for
th e d ay -d u ri n g MCI i n sp ect ion s in
private colleges is com m on . Wh at is
in teresti n g is t h at even govern m en t
col leges are adoptin g u n scr u pu l o u s
m eth ods. An oth er in dicator is th e ex-
traordin ary sch em e, vergin g on th e
ridicu lou s th at is bein g pu t in place by
the MCI to mak e inspection s ‘foolproof.
Facu lty in all m edical colleges are to
be issu ed an RFID based sm art card
by th e MCI with a u n iqu e Facu lty Nu m-
ber. Th e card, it is argu ed, will elim i-
n ate th e possibility of a teach er bein g
sh own on th e facu lty of m ore th an on e
college an d establish if th e qu alifica-
tion s of a teach er are gen u in e. In th e
fu t u re it i s pr ojected th at biom etr ic
RFID readers will be in stalled in th e
colleges th at will en able a Facu lty Iden-
tification, Track ing and Mon itoring Sys-
tem to m onitor facu lty from with in th e
college an d even rem otely from MCI
h eadqu arters.
Th e pictu re above does n ot even
start to reveal th e tru e an d path etic
situ ation of m edical care especially in
ru ral In dia. On ly a fraction of th e doc-
tors an d n u rsin g profession als serve
ru ral areas wh ere 70 per cen t of ou r
popu lation lives. Th e Health Min istry,
wi th th e h elp of th e MCI, h as been
active in proposin g yet an oth er ‘in n o-
vative’solu tion to th e problem of lack
of doctors in th e ru ral areas. Th e pro-
posal is for a t h r ee-an d -a-h al f year
cou rse to obtain th e degree of Bach e-
l or of Ru r al M edi ci n e an d Su r ger y
(BRMS). On ly ru ral can didates wou ld
-260-

be able to join th is cou rse. Th e stu dy
an d train in g wou ld h appen at two dif-
feren t levels -Com m u n ity Health Cen -
ters for 18 m on th s, an d su b-division al
h ospitals for a fu rth er period of 2 years
-an d be con du cted by retired profes-
sors. After com pletion of train in g, th ey
wou ld on ly be able to serve in th eir
own state in district h ospitals, com -
m u n ity h ealth cen tres, an d prim ary
h ealth cen tres.
Th e BRMS proposal h as in vited
sh arp criticism from som e doctors’or -
gan isation s on th e grou n ds th at it is
discrim in at ory t o h ave two di ffer en t
stan dards of h ealth care -on e for u r -
ban an d th e oth er for ru ral areas, an d
th at th e h ealth care provided by su ch
gradu ates will be com prom ised. At th e
oth er en d is th e opin ion expressed by
som e th at “som eth in g is better th an
noth ing”, th at since doctors do not want
to serve in ru ral areas, the govern men t
m ay as wel l cr eat e a n ew cad r e of
m edi cs wh o will be obliged to serve
th ere. Th e debate will su rely pick u p
after th e govern m en t form ally lays ou t
its plan s. Wh at is apparen t is th at n ei-
th er this proposal n or the variou s stop-
gap m easu res adopted so far address
th e root of th e problem of h ealth care.
Th e far larger issu e is govern m en t pol-
icy, th e low priority attach ed by th e
govern m en t to th e social sector as a
wh ole an d th e h ealth sector in partic-
u lar, eviden ced in the paltry allocations
for m ain tain in g an d u pgradin g m edi-
cal in frastru ctu re an d m edical edu ca-
tion an d for look ing after preciou s h u -
m an resou rces.
370. Wh at solu tion is bein g offered by
the Health Min istry for th e sh ort-
age of doctors in ru ral areas ?
(1) In crease th e n u m ber of gov-
ern m en t ru n h ospitals in th e
ru ral areas th ereby in creas-
i n g t h e n u m b er of d oct or s
caterin g to th e people in th ese
region s.
(2) Mak e it m an datory for doc-
tors servin g in th e u rban ar -
eas to serve in th e ru ral ar -
eas for a specific n u m ber of
year s.
(3) Set u p in creasin g n u m ber of
com m u n ity h ealth cen tres in
ru ral areas.
(4) H i r e r et i r ed p r ofessor s of
medicine to offer medical help
to people livin g in th e ru ral
areas till th e tim e m ore doc-
tors are appoin ted.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(5) Ru n a sep a r a t e m ed i c a l
cou rse for t h ree an d a h alf
years wh ich can be tak en u p
on ly by ru ral can didtes wh o
wou ld u ltim ately serve in th e
ru ral areas.
371. Wh y h ave som e existin g m edical
coll eges b een p r oh i bi t ed fr om
adm ittin g stu dents ?
(1) As t h ese h ave ad opted cor -
ru pt practices an d h ave been
tak in g h u ge don ation s from
th eir stu den ts
(2) As all th ese colleges were il-
legally set u p an d were n ot
approved by th e govern m en t
in th e first place
(3) As the cou rse offered by th ese
colleges is not in lin e with th e
cou rse offered by th e govern -
m en t ru n colleges
(4) As th ese h ave failed to m eet
th e n orm s set by th e cen tral
govern m en t for ru n n in g th e
college.
(5) As there are absolu tely no fac-
u l ty m em b er s l eft i n t h ese
colleges to teach stu den ts.
372. Wh ich of th e followin g is/ are th e
ch an ge/ s an nou n ced by th e MCI
in th e regu lation govern in g th e
establish m en t of m edical colleg-
es?
(A) Allowin g th e com m ercialisa-
tion of m edical colleges.
(B) Redu cin g th e earlier m an dat-
ed l an d r equ i r em en t for a
m edical col lege cam pu s for
m etros.
(C) Allowin g corporate bodies to
open m edical colleges.
(1) On ly (B)
(2) On ly (A) an d (B)
(3) Only (C)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C) are tru e
373. Wh i ch of th e foll owin g are th e
differen t opin ion s regardin g th e
BRMS proposal ?
(1) At least a small step h as been
tak en to im prove th e h ealth -
care facilities in th e ru ral ar -
eas th rou gh th is proposal.
(2) Th er e sh ou l d b e u n i for m
h ealth care facilities available
for people livin g in both ru ral
an d u rban areas.
(3) Th e h eal t h ca r e p r ov i d er s
th rou gh th is proposal wou ld
n ot be u p to th e m ark .
COMPREHENSION TEST
(1) On ly (A)
(2) On ly (A) an d (B)
(3) On ly (B) an d (C)
(4) On ly (B)
(5) All (A), (B) an d (C)
374. Wh at is on e of th e m ajor prob-
lem s faced by th e govern m en t-
ru n m edical in stitu tions ?
(1) Dearth of land requ ired for the
settin g u p of m edical in stitu -
tions.
(2) Lack of fu n ds for ru n n in g th e
colleges.
(3) Dearth of teach in g facu lty.
(4) Excessi ve com petition from
colleges ru n by corporate bod-
ies.
(5) Dearth of stu den ts optin g for
th ese colleges.
375. Wh at is th e idea beh in d th e MCI
pu ttin g in place th e RFID-based
sm art card ?
(A) To m on itor an d track facu lty
from MCI h eadqu arters in th e
fu tu re.
(B) To pu t a stop to th e practice
of colleges of presen tin g fak e
facu lty m em bers.
(C) To verify th e au th en ticity of
facu lty member qu alifications.
(1) On ly (A) an d (B)
(2) All (A), (B) an d (C)
(3) Only (C)
(4) On ly (B) an d (C)
(5) On ly (B)
376. W h a t i s t h e a u t h o r ’s m a i n
i n t en t i on b eh i n d wr i t i n g t h i s
passage?
(1) To m ak e th e gen eral pu blic
aware of th e h ealth care facil-
ities available in In dia.
(2) To brin g to ligh t th e problem s
faced by th e h ealth care sec-
tor in In dia despite ch an ges
su ggested an d goad th e gov-
ern m ent in to attach in g prior -
ity to th e sector.
(3) To brin g to ligh t th e problem s
faced by ru ral people in term s
of h eal t h car e facil i t ies an d
th u s exh ort u rban doctors to
serve in th e ru ral areas
(4) To m ak e th e gen eral pu blic
aware of th e ben efits arisin g
fr om t h e ch an ges b r ou gh t
ab ou t b y t h e M CI i n t h e
h ealth care sector.
(5) To u rge th e corporate bodies
t o l ook i n t o t h e m at t er of
h ealthcare facilities in th e ru -
ral areas.
-261-

Di r ect i on s (37 7-3 84 ) : Read the
following passage carefu lly and answer
th e qu estion s given below it. Certain
words/ ph rases h ave been prin ted in
bol d to h elp you locat e t h em wh i le
an swerin g som e of th e qu estion s.
(I BPS Speci al i st Of f i cer CWE
Ex am .1 1 .0 3 .2 0 12 )
In In dia, in n ovation is em ergin g
as on e of th e m ost im portan t ru brics
in th e discou rse on how to bring abou t
greater an d m ore con sisten t econ om ic
an d social developm en t. On e observes
steadily growin g in vestm en ts in R & D
across th e cou n try, th e settin g u p of
n ation al an d state in n ovation bodies,
as well as th e in trodu ction of govern -
m en t sp on sor ed i n n ovat i on fu n d s.
Th ere h ave also been several con fer -
en ces an d debates on in n ovation an d
h ow to best prom ote an d accom plish
it in In dia, and a n u m ber of articles on
th e su bj ect , wr itt en for n ewspapers
an d m agazin es, as well as m ore in for -
m al platform s lik e on lin e foru m s an d
blogs.
Academ ic en gagem en t an d Indi-
an au thorsh ip on th e su bject h ave also
exploded in th e last five years. Despite
widespread agreem en t on th e im por -
tan ce of in n ovation in In dia, th ere are
wide gu lfs between differen t con cep-
tion s of in n ovation an d th e path In dia
sh ou ld tak e towards secu ring ben efits
th rou gh in vestm ents in in novation .
M an y I n d i an c o n v er sa t i on s
ar ou n d in n ovation begin by talk i n g
ab ou t ju gaa d, th at u n i qu ely In di an
ap p r oach t o a t em p or ar y fi x wh en
somethin g complex, lik e an au tom obile
or a steam engin e stops work in g. How-
ever, m an y observers h ave poin ted ou t
th at wh ile jugaad is certain ly in n ova-
tive, it is a respon se to th e l ack of an
in n ovation cu ltu re-m ore a su rvival or
copin g m ech an ism at a tim e of n eed
th an a system atic m eth odology to ef-
fectively address a wide-ran gin g, com -
plex set of problem s.
An oth er specifically In dian ap-
proach to in n ovation th at h as en tered
in to wide cu r r en cy of late is so-called
‘fru gal inn ovation ,’deemed by m an y to
be th e m ost appropriate for th e In dian
con text. In its m idterm assessm en t of
th e 11th five-year plan , th e Plan n in g
Com m ission stressed th e n eed for in -
n ovation in In dia in order to ‘acceler -
ate its growth an d to mak e growth more
in clu sive as well as en viron m en tally
su stain able.’Th e docu men t wen t on to
say that ‘In dia n eeds more fru gal in no-
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
vation th at produ ces m ore fru gal cost
produ cts an d services th at are afford-
able by people at low levels of in com es
with ou t com pr om i si n g th e safety, ef-
ficien cy, an d u tility of th e produ cts.
Th e cou n try also n eeds processes of
in n ovation th at are fru gal in th e re-
sou rces requ ired to produ ce th e in n o-
vation s. Th e produ cts an d processes
m u st also h ave fr u gal i m pact on t h e
ear t h ’s r esou rces.’
Two people formu lated a similar
th eory called th e More-from -Less-for -
More (MLM th eory of In n ovation ) th eo-
ry of In n ovation , wh ich advocates a
focu s on innovations that allow for more
produ ction u sin g fewer resou rces bu t
ben efit m ore people. Un der th is ru bric
com e produ cts th at are m ore afford-
able version s of existin g tech n ologies.
Wh ile both fru gal in n ovation an d th e
MLM th eory are certain ly valu able in
term s of brin gin g affordable produ cts
an d servi ces to a greater n u m ber of
people, an d m ay even be con sidered a
n ecessary first step on In dia’s in n ova-
tion path , th ey barely graze th e su r -
face of wh at in n ovation can accom -
plish . Th at is, in n ovation is capable of
br in gi n g abou t com pl et e paradi gm -
sh ifts an d redefin in g th e way we per -
ceive an d in teract with th e world.
Tak e th e cell ph on e, for exam -
ple : it revolu tion ized com m u n ication
in a previou sly i n con cei v abl e way,
provided con su m ers with a produ ct of
u n preceden ted valu e an d created an
en tirely n ew m ark et. Th e cell ph on e
was a resu lt of years of directed, in -
ten tion al in n ovation efforts an d large
in vestm en ts, an d wou ld n ot h ave ever
been created if th e people respon sible
simply set ou t to m ak e the existing tele-
ph on e ch eaper an d m ore accessible to
all.
Wh ile jugaad and fru gal in n ova-
tion m ay be i n di cat i v e of th e In dian
poten tial for in n ovativen ess, th is po-
tential is not u tilised or given opportu -
n ity to flou rish du e to th e lack of an
enablin g cu ltu re.
In dia’s m an y diverse an d com -
plex n eeds can be m et on ly th rou gh
system atic inn ovation , an d major shifts
h ave to first tak e place-in ou r edu ca-
tion al institu tions, governm en t policies
and com m ercial firm s in order for su ch
an inn ovation -enablin g cu ltu re to come
abou t.
Th e on e th in g th at In dia’s in n o-
vation th eorists h ave n ot said is th at
COMPREHENSION TEST
th e absen ce of a cu ltu re of in n ovation
is i n t r i n si cal l y lin k ed to m an y of th e
m ost in tractable problem s facin g In -
dia as a n ation . Th ese in clu d e poor
delivery of govern m en t services, in ad-
equ ate system s of person al iden tifica-
tion an d th e absen ce of widely avail-
able fin an cial services for ru ral poor,
h ealth an d san itation failu res. This list
can go on . Cu m u latively, th e in ability
of In dia as a n ation , society an d econ -
om y to adequ ately provide for its own
popu lation n o lon ger reflects a failu re
of im plem en tation , bu t rath er of a fail-
u r e of in n ovation , for th er e are n ot
imm ediately-available off-th e-sh elf so-
lu tion s th at wou ld m ak e it possible for
th ese gran d ch allen ges facin g In dia to
be r edr essed. Rath er, we n eed to look
at th ese in tractable problem s from th e
m ore soph isticated an d em powerin g
lens of in n ovation , for them to begin to
be solved.
377. Wh ich of th e followin g depict/ s
th e growin g im portan ce of in n o-
vation in In dia?
(A) In creased in vestm en t in re-
search .
(B) I n i t i at i on o f Gover n m en t
back ed fu n ds for in n ovation
(C) In crease in n u m ber of con -
feren ces arran ged an d arti-
cles written on in n ovation .
(1) On ly (B)
(2) On ly (A) an d (B)
(3) On ly (C)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C)
378. Wh ich of th e followin g best de-
scribes th e MLM th eory of in n o-
vation?
(1 ) M axi m ise ou tp u t by u si n g
l east n u m b er of r esou r ces
an d ben efitin g a sm all n u m -
ber of people.
(2) Maximise resou rce u tilisation
and cost th ereby benefit max-
im u m n u m ber of people.
(3) Minimise ou tput and resource
u t il i sat i on , yet b en efi t t h e
m axim u m nu mber of people.
(4) Ben efit m ost n u m ber of peo-
p le t h r ou gh l east u sage of
resou rces and maximu m ou t-
pu t.
(5) Ben efit m ost n u m ber of peo-
ple th rou gh m axim u m u sage
of resou rces an d m in im isin g
cost.
-262-

379. Wh ich of th e followin g is possi-
bly th e m ost appropriate title for
th e passage?
(1) In n ovation At Its Best
(2) In dia An d Th e Elixir Called
Innovation
(3) Innovation Arou nd The World
vi s-a- vi s In d i a An d Ot h er
Neigh bou rin g Cou n tries
(4) Worldwide Developm en ts In
Innovation
(5) In n ovation - Th e History
380. Wh at tone is th e au th or em ploy-
in g in th e en tire passage to get
h is m essage across?
(1) Pessim istic (2) Sarcastic
(3) Urgen t (4) In form ative
(5) Du biou s
381. Wh y, accordin g to th e au th or, is
In dia u n able to adequ ately pro-
vide for its people?
(1) F ai l u r e t o i m p l em en t
s c h em es a n d i n i t i a t i v es
m ean t for th e In dian popu -
lace.
(2) Ab sen ce of regu l at or y au -
th orities to oversee th e im -
plem en tation process.
(3) Failu re to in n ovate in order
to fin d solu tion s.
(4) L ac k of gov er n m en t a l
sch em es an d in i ti ati ves t o
redress th e ch allen ges faced
by In dia.
(5) Hesitan ce of th e In dian peo-
p l e i n t r yi n g ou t d i ffer en t
sch em es p r ovi d ed b y t h e
Govern m en t for u pliftm en t.
382. Wh y, accordin g to som e people,
is Jugaad’n ot th e an swer to In -
dia’s problem s?
(1) Man y a tim es th is m eth odol-
ogy back fires leadin g to fu r -
th er com plication s.
(2) ‘Jugaad’provides on ly cheap
solu tion s to all problem s.
(3) It is reactive an d n ot a pro-
active an d organised m eth od
of fin din g solu tion s to prob-
lem s.
(4) It can pr ovi de sol u tion s to
only simple problem s and not
com plex on es.
(5) Non e of th ese
383. Wh i ch of th e foll owi n g is/ ar e
tru e abou t th e cell ph on e?
(A) Th e i n n ovat i on of th e cel l
ph on e requ ired investmen t of
h u ge capital.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(B) Th e cell ph on e, wh en in ven t-
ed was m ean t to be afford-
able to all.
(C) Th e cel l p h on e was m ad e
available to th e pu blic in a
very sh ort tim e from its ide-
ation.
(1) On ly (A)
(2) On ly (A) an d (B)
(3) On ly (B) an d (C)
(4) Only (B)
(5) All (A), (B) an d (C)
384. Wh at does th e au th or m ean by
‘fr u gal i m pact on t h e ear t h ’s
r esou r ces’ as given in th e pas-
sage?
(1) Th e dam age to th e en viron -
m en t sh ou ld be assessable.
(2) More consu m ption of n atu ral
r esou r ces as com p ar ed t o
m an m ade on es.
(3) Min im u m im pact on th e en -
viron m en t in term s of pollu -
tion.
(4) Th e im pact on th e en viron -
m en t sh ou ld be su ch th at it
is reversible.
(5) M in i m u m u sage of ear t h ’s
n atu ral resou rces.
Di r ect i on s (3 8 5 -3 9 9 ) : Read th e
following passage carefu lly and answer
th e qu estion s given below it. Certain
words/ ph rases h ave been prin ted in
bol d to h elp you locate th em wh ile an -
swerin g som e of th e qu estion s.
(I BPS Speci al i st Of f i ce CWE
Ex am . 11. 03.20 12)
In In dia, in n ovation is em ergin g
as on e of th e m ost im portan t ru brics
in th e discou rse on how to bring abou t
greater an d m ore con sisten t econ om ic
an d social developm en t. On e observes
steadily growin g in vestm en ts in R & D
across th e cou n try, th e settin g u p of
n ation al an d state in n ovation bodies,
as well as th e in trodu ction of govern -
m en t sp on sor ed i n n ovat i on fu n d s.
Th ere h ave also been several con fer -
en ces an d debates on in n ovation an d
h ow to best prom ote an d accom plish
it in In dia, and a n u m ber of articles on
th e su bj ect , wr itt en for n ewspapers
an d m agazin es, as well as m ore in for -
m al platform s lik e on lin e foru m s an d
blogs.
Academ ic en gagem en t an d Indi-
an au thorsh ip on th e su bject h ave also
exploded in th e last five years. Despite
widespread agreem en t on th e im por -
tan ce of in n ovation in In dia, th ere are
wide gu lfs between differen t con cep-
COMPREHENSION TEST
tion s of in n ovation an d th e path In dia
sh ou ld tak e towards secu ring ben efits
th rou gh in vestm ents in in novation .
M an y I n d i an c o n v er sa t i on s
ar ou n d in n ovation begin by talk i n g
ab ou t ju gaa d, th at u n i qu ely In di an
ap p r oach t o a t em p or ar y fi x wh en
somethin g complex, lik e an au tom obile
or a steam engin e stops work in g. How-
ever, m an y observers h ave poin ted ou t
th at wh ile jugaad is certain ly in n ova-
tive, it is a respon se to th e l ack of an
in n ovation cu ltu re-m ore a su rvival or
copin g m ech an ism at a tim e of n eed
th an a system atic m eth odology to ef-
fectively address a wide-ran gin g, com -
plex set of problem s.
An oth er specifically In dian ap-
proach to in n ovation th at h as en tered
in to wide cu r r en cy of late is so-called
‘fru gal inn ovation ,’deemed by m an y to
be th e m ost appropriate for th e In dian
con text. In its m idterm assessm en t of
th e 11th five-year plan , th e Plan n in g
Com m ission stressed th e n eed for in -
n ovation in In dia in order to ‘acceler -
ate its growth an d to mak e growth more
in clu sive as well as en viron m en tally
su stain able.’Th e docu men t wen t on to
say that ‘In dia n eeds more fru gal in no-
vation th at produ ces m ore fru gal cost
produ cts an d services th at are afford-
able by people at low levels of in com es
with ou t com pr om i si n g th e safety, ef-
ficien cy, an d u tility of th e produ cts.
Th e cou n try also n eeds processes of
in n ovation th at are fru gal in th e re-
sou rces requ ired to produ ce th e in n o-
vation s. Th e produ cts an d processes
m u st also h ave fr u gal i m pact on t h e
ear t h ’s r esou rces.’
Two people formu lated a similar
th eory called th e More-from -Less-for -
More (MLM th eory of In n ovation ) th eo-
ry of In n ovation , wh ich advocates a
focu s on innovations that allow for more
produ ction u sin g fewer resou rces bu t
ben efit m ore people. Un der th is ru bric
com e produ cts th at are m ore afford-
able version s of existin g tech n ologies.
Wh ile both fru gal in n ovation an d th e
MLM th eory are certain ly valu able in
term s of brin gin g affordable produ cts
an d servi ces to a greater n u m ber of
people, an d m ay even be con sidered a
n ecessary first step on In dia’s in n ova-
tion path , th ey barely graze th e su r -
face of wh at in n ovation can accom -
plish . Th at is, in n ovation is capable of
br in gi n g abou t com pl et e paradi gm -
sh ifts an d redefin in g th e way we per -
ceive an d in teract with th e world.
-263-

Tak e th e cell ph on e, for exam -
ple : it revolu tion ized com m u n ication
in a previou sly i n con cei v abl e way,
provided con su m ers with a produ ct of
u n preceden ted valu e an d created an
en tirely n ew m ark et. Th e cell ph on e
was a resu lt of years of directed, in -
ten tion al in n ovation efforts an d large
in vestm en ts, an d wou ld n ot h ave ever
been created if th e people respon sible
simply set ou t to m ak e the existing tele-
ph on e ch eaper an d m ore accessible to
all.
Wh ile jugaad and fru gal in n ova-
tion m ay be i n di cat i v e of th e In dian
poten tial for in n ovativen ess, th is po-
tential is not u tilised or given opportu -
n ity to flou rish du e to th e lack of an
enablin g cu ltu re.
In dia’s m an y diverse an d com -
plex n eeds can be m et on ly th rou gh
system atic inn ovation , an d major shifts
h ave to first tak e place-in ou r edu ca-
tion al institu tions, governm en t policies
and com m ercial firm s in order for su ch
an inn ovation -enablin g cu ltu re to come
abou t.
Th e on e th in g th at In dia’s in n o-
vation th eorists h ave n ot said is th at
th e absen ce of a cu ltu re of in n ovation
is i n t r i n si cal l y lin k ed to m an y of th e
m ost in tractable problem s facin g In -
dia as a n ation . Th ese in clu d e poor
delivery of govern m en t services, in ad-
equ ate system s of person al iden tifica-
tion an d th e absen ce of widely avail-
able fin an cial services for ru ral poor,
h ealth an d san itation failu res. This list
can go on . Cu m u latively, th e in ability
of In dia as a n ation , society an d econ -
om y to adequ ately provide for its own
popu lation n o lon ger reflects a failu re
of im plem en tation , bu t rath er of a fail-
u r e of in n ovation , for th er e are n ot
imm ediately-available off-th e-sh elf so-
lu tion s th at wou ld m ak e it possible for
th ese gran d ch allen ges facin g In dia to
be r edr essed. Rath er, we n eed to look
at th ese in tractable problem s from th e
m ore soph isticated an d em powerin g
lens of in n ovation , for them to begin to
be solved.
385. Wh ich of th e followin g depict/ s
th e growin g im portan ce of in n o-
vation in In dia?
(A) In creased in vestm en t in re-
search .
(B) I n i t i at i on o f Gover n m en t
back ed fu n ds for in n ovation
(C) In crease in n u m ber of con -
feren ces arran ged an d arti-
cles written on in n ovation .
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(1) On ly (B)
(2) On ly (A) an d (B)
(3) On ly (C)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C)
386. Wh ich of th e followin g best de-
scribes th e MLM th eory of in n o-
vation?
(1 ) M axi m ise ou tp u t by u si n g
l east n u m b er of r esou r ces
an d ben efitin g a sm all n u m -
ber of people.
(2) Maximise resou rce u tilisation
and cost th ereby benefit max-
im u m n u m ber of people.
(3) Minimise ou tput and resource
u t il i sat i on , yet b en efi t t h e
m axim u m nu mber of people.
(4) Ben efit m ost n u m ber of peo-
p le t h r ou gh l east u sage of
resou rces and maximu m ou t-
pu t.
(5) Ben efit m ost n u m ber of peo-
ple th rou gh m axim u m u sage
of resou rces an d m in im isin g
cost.
387. Wh ich of th e followin g is possi-
bly th e m ost appropriate title for
th e passage?
(1) In n ovation At Its Best
(2) In dia An d Th e Elixir Called
Innovation
(3) Innovation Arou nd The World
vi s-a- vi s In d i a An d Ot h er
Neigh bou rin g Cou n tries
(4) Worldwide Developm en ts In
Innovation
(5) In n ovation - Th e History
388. Wh at tone is th e au th or em ploy-
in g in th e en tire passage to get
h is m essage across?
(1) Pessim istic
(2) Sarcastic
(3) Urgen t
(4) In form ative
(5) Du biou s
389. Wh y, accordin g to th e au th or, is
In dia u n able to adequ ately pro-
vide for its people?
(1) F ai l u r e t o i m p l em en t
s c h em es a n d i n i t i a t i v es
m ean t for th e In dian popu -
lace.
(2) Ab sen ce of regu l at or y au -
th orities to oversee th e im -
plem en tation process.
(3) Failu re to in n ovate in order
to fin d solu tion s.
COMPREHENSION TEST
(4) L ac k of gov er n m en t a l
sch em es an d in i ti ati ves t o
redress th e ch allen ges faced
by In dia.
(5) Hesitan ce of th e In dian peo-
p l e i n t r yi n g ou t d i ffer en t
sch em es p r ovi d ed b y t h e
Govern m en t for u pliftm en t.
390. Wh y, accordin g to som e people,
is Jugaad’n ot th e an swer to In -
dia’s problem s?
(1) Man y a tim es th is m eth odol-
ogy back fires leadin g to fu r -
th er com plication s.
(2) ‘Jugaad’provides on ly cheap
solu tion s to all problem s.
(3) It is reactive an d n ot a pro-
active an d organised m eth od
of fin din g solu tion s to prob-
lem s.
(4) It can pr ovi de sol u tion s to
only simple problem s and not
com plex on es.
(5) Non e of th ese
391. Wh i ch of th e foll owi n g is/ ar e
tru e abou t th e cell ph on e?
(A) Th e i n n ovat i on of th e cel l
ph on e requ ired investmen t of
h u ge capital.
(B) Th e cell ph on e, wh en in ven t-
ed was m ean t to be afford-
able to all.
(C) Th e cel l p h on e was m ad e
available to th e pu blic in a
very sh ort tim e from its ide-
ation.
(1) On ly (A)
(2) On ly (A) an d (B)
(3) On ly (B) an d (C)
(4) Only (B)
(5) All (A), (B) an d (C)
392. Wh at does th e au th or m ean by
‘fr u gal i m pact on t h e ear t h ’s
r esou r ces’ as given in th e pas-
sage?
(1) Th e dam age to th e en viron -
m en t sh ou ld be assessable.
(2) More consu m ption of n atu ral
r esou r ces as com p ar ed t o
m an m ade on es.
(3) Min im u m im pact on th e en -
viron m en t in term s of pollu -
tion.
(4) Th e im pact on th e en viron -
m en t sh ou ld be su ch th at it
is reversible.
(5) M in i m u m u sage of ear t h ’s
n atu ral resou rces.
-264-
 COMPREHENSION TEST
Di r ect i on s (3 9 3 –3 9 7 ) : Ch oose On ce u pon a tim e t h er e li ved a away bu t th e b ou ld er, wh ich on ce it
t h e wor d / gr ou p of wor d s wh i ch i s st on e cu t t er i n a sm al l vi l l age. H e h ad b een cu t tin g wh en it was a ston e
m ost si m i l ar in m ean ing to th e word/ work ed h ar d th rou gh ou t t h e day, pre- cu tter was u n m oved an d u n ch an ged.
grou p of words prin ted in bold as u sed parin g t h e sh apes th at were or der ed No m atter h ow h ard it pou red down
in th e passage. b y h i s cu st om er s. H i s h an d s wer e on th e st on e, t h e ston e d id n ot m ove.
393. REDRESSED rou gh an d h is cloth es were d irt y. On e Th e clou d won dered , “Th at rock
(1) addressed day h e wen t to th e m ou n t ain to cu t a is m ore p owerfu l th an I am . On ly a
(2) equ alised bi g ston e. It was difficu lt to work as ston e cu tter cou ld ch an ge th e rock by
th e weat h er was ex trem el y h ot. Aft er h i s sk il l.” No soon er h ad i t said th ese
(3) restored
work in g for several h ou rs, h e sat down words, h e fou n d h i m self sitt in g on a
(4) redon e in th e sh ade of a n earby tree an d soon st on e. He pi ck ed u p h i s t ool s an d b e-
(5) rearran ged fell asleep. After som eti m e, h e h eard gan work in g.
394. CURRENCY th e sou n d of a procession . He wok e
Di r ec t i on s (4 0 0 -4 0 1 ) : Ch oose
(1) n otes (2) u sage u p an d saw m an y soldi ers an d atten -
th e word / ph rase wh ich is MOST SI M-
(3) m on ey (4) cash dan ts walk i n g in t h e su n , alon gsi de
I LAR in M EANING to the word/ phrase
(5) valu e the k ing wh o not only rode an eleph an t
pr in ted in bol d as u sed in th e pas-
395. INTRI NSI CALLY bu t also h ad an u m brella to k eep t h e
sage.
su n away . “How won d erfu l it m u st be
(1) in tern ally 400. K EEP T H E SUN AWAY
to be a k in g”, th ou gh t th e ston e cu t-
(2) whole-h eartedly ter. He won der ed h ow h ap py wou ld (1) Main t ain dark n ess
(3) fu ndamentally h e be if h e were th e k in g i n st ead of a (2 ) D elay th e su n set
(4) virtu ally poor ston e cu t ter. As h e th ou gh t so, a (3) Bl ock th e su n
(5) u navoidably st r an ge t h i n g h ap pen ed. Th e ston e (4) St ock th e sh ade
396. INDI CATI VE cu tter fou n d h i m self dressed in si lk
(5) En j oy l ittl e sh ade
(1) cau sative clot h es an d sh in in g jewels. His h an ds
401. EVI DENT
(2) forth com in g were soft an d h e was sit tin g on t h e
el eph an t. He look ed ar ou n d at th e at- (1) Obviou s
(3) verbal (2) Tran sparen t
ten dan ts an d th ou gh t, “h ow easy it is
(4) abstract to be a k in g, th ese p eop le are h ere to (3) Kn own
(5) su ggestive serve m e.” Th e procession m oved on (4) Pu blic
397. COMPROMISI NG an d t h e su n grew h otter. (5) Active
(1) co-operatin g with Th e st on e cu tter, n ow th e k in g, Di r ec t i on s (4 0 2 -4 0 4 ) : Ch oose
(2) redu cin g th e qu ality b ecam e t oo w ar m for com for t . H e th e word wh ich is M OST OPPOSI T E
(3) h am perin g th e progress ask ed th e pr ocessi on to stop so th at in M EANI NG t o t h e word pr in t ed in
(4) con ciliatin g in order to h e cou ld rest for som e t im e. At on ce bo l d as u sed in t h e passage.
th e ch ief of th e soldi ers ben t b efore
(5) adju stin g for th e better 402. LET
th e k i n g an d sai d, “You r M ajesty, th is
Di r ect i on s (3 9 8 -3 9 9 ) : Ch oose (1) Stop ped (2) Pu n ished
m orn in g you swore to h ave m e h anged
t h e wor d / gr ou p of wor d s wh i ch i s (3) Allowed (4) Adm itted
to death if we did n ot reach th e pal-
m o st o p p o si t e i n m ean i n g t o t h e
ace b efor e t h e su n set .” Th e st on e (5) Disciplin ed
word/ grou p of words prin ted in bol d
cu tter felt sorr y for h im an d l et t h e 403. H ARD
as u sed in th e passage.
pr ocession go on it s way again . “I am (1) Mock in gly (2) Badly
398. LACK p ower fu l , i t i s tr u e, b u t h ow m or e
(1) presen ce (2) su fficien t (3) Leisu rely (4) Soft
power fu l th e su n i s. I wou l d r ath er
(3) ch arism a (4) adequ acy (5) Aimlessly
be th e su n t h an a k in g”, h e th ou gh t.
(5) dearth At on ce, h e becam e th e su n , sh in i n g 404. ST RANGE
399. INCONCEIVABLE down on t h e eart h . (1) Won derfu l
(1) visible (2) tru th fu l It s n ew p ower was h ar d to con - (2) False
(3) in credible (4) apparen t trol. It sh on e too brilliantly and bu rned (3) Er rat ic
u p t h e fi el d s wi th i ts r ays. B u t n o (4) Orth odox
(5) com plex
m att er h ow h ard it sh on e, it cou ld n ot (5) Usu al
Di r ec t i on s (4 0 0 -4 0 9 ) : Read t h e
see t h rou gh th e cl ou d s. It was ev i -
foll owi n g p assage car efu ll y an d an - 405. Wh i ch of t h e fol l owi n g i s t h e
den t t h at th e cl ou d s were even stron -
swer t h e qu est i on s gi ven b el ow i t . m ost appropriate title for th e sto-
ger an d m or e p ower fu l th an th e su n .
Cer t ai n wor d s/ p h r ases h ave b een ry ?
Th e su n wish ed th at i t wou l d r ath er
prin ted in bold to help you locate them (1) Th e Ston e cu tt er
be a clou d. Su d den ly it fou n d i tself
wh i l e an sweri n g som e of t h e qu es- (2 ) Th e Kin g’s Pr ocessi on
tu rn ed in to a h u ge dark clou d. It start-
tions. (3 ) Th e power of n atu re
ed u sin g its n ew power. It pou r ed r ain
(I BPS RRBs Of f i ce Assi st an t CWE down on th e fields an d cau sed flood s. (4 ) Experim en t s of a k i n g
Ex am . 09. 09.20 12) Al l t h e trees an d h ou ses were swept (5) A dream of a k i n g

I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-265-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310

406. Wh y cou ld th e k i n g’s procession
n o t b e stop ped ?
(1) Th e k in g h ad p rom ised t h e
qu een t h at h e wou ld r each
th e p alace in tim e.
(2) It was gettin g dark and it was
u n safe to h al t.
(3) It was abou t t o r ain an d t h e
palace was close b y.
(4) Th e sold ier s were in a h u r ry
to reach th e palace as th ey
were very h u n gr y.
(5) Non e of th ese
407. Wh y did th e su n wish t o becom e
a clou d ?
(1) It wan ted t o cool down t h e
earth by rai n in g.
(2) It di d n ot wan t to set i n t h e
even i n g an d be visible even
in th e n igh t.
(3) It assu m ed th at th e clou ds
were stron ger t h an th e su n .
(4) It wan t ed to wan d er in t h e
sk y l ik e th e cl ou ds di d.
(5) Non e of th ese
408. Wh at p r ob l em d i d t h e cl ou d
face ?
(1) The clou d cou ld not affect th e
bou lder.
(2) Th e clou d h ad t o r ain al l t h e
time.
(3) Th e clou d b rou gh t ab ou t a
h u ge flood for wh i ch i t was
pu n ish ed by th e k in g.
(4) Th e clou d n eeded th e su n for
its for m ation .
(5) Non e of th ese
409. Wh y d id t h e k in g d esi re t o b e-
com e th e su n ?
(1) Th e su n was t rou bl i n g th e
k i n g an d th e k in g desir ed to
tak e reven ge.
(2) Th e k in g desired t o be m ore
powerfu l than h e already was.
(3) Th e ch ief of th e sold iers su g-
gested th e k in g to be th e su n .
(4) Th e k ing wou ld be able to live
in th e sk y, on ce h e wer e t h e
su n .
(5) Non e of th ese
Di r ect i on s (4 1 0 -4 1 8 ) : Read th e
following passgae carefu lly and answer
th e qu estion s given below it. Certain
words/ grou p of words h ave been print-
ed in bol d to help you locate them while
an swerin g som e of th e qu estion s.
(I DBI Ban k Of f i cer Ex am .16.09.2012)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Un em ploymen t is th e problem of
every m odern n ation . Even in du stria-
lised n ation s are n ot able to en su re a
job for everyon e. Followin g the conven -
tional strategy of creatin g em ployment,
governm en ts of many developin g cou n-
tries try to attract em ployers (bu siness
h ou ses/ in du strialists) by offer i n g tax
rebates an d m an y oth er facilities so
th at they locate their u pcom in g plan ts
on th eir soil, an d th ereby create in -
du strial em ploym en t. Bu t th ere is a
l i m i t to wh at indu stry can brin g. Also,
i n du st ri al p l an ts oft en cr eate t ox i c
waste wh ich resu lts in air an d water
pollu tion an d en vironm en tal problem s
wh ich can ou tweigh wh atever em ploy-
m en t ben efit i n du str ial em ploym en t
brin gs. In addition , th ey don ’t brin g as
su bstan tial relief to the dwindling econ-
om y of th e h ost cou n try as th ey seem
to prom ise, as th e profits of su ch for -
eign in vestm en ts are carried back to
the parent com pany an d foreign share-
h olders abroad.
Sel f-em p l oym en t h as n on e of
th ese drawback s. Th e problem is th at
self-em ploym en t is n ot as obviou sly
glam orou s as a sh in y n ew factory. Bu t
profits from self-em ploym en t r em ai n
i n th e cou n tr y wh er e th ey ar e p ro-
du ced. It is too sm all to create en vi-
ronmental hazards. It also pu ts the poor
person in ch arge of h is or h er own
work in g h ou r s an d con d it ion s. Th e
h ou rs are flexible an d can adapt to fit
an y fam ily situ ation . It allows people
to ch oose between ru n n in g a bu sin ess
fu ll-tim e, or part-tim e wh en th ey face
a crisis, or to pu t th eir bu sin ess on
h old an d work fu ll-tim e for a salary.
Self-employm ent is tailor -m ade for any-
on e wh o is street-sm art an d h as m an y
acqu i r ed an d i n h er i t ed t r ad i t i on al
sk ills, rath er th an learn in g acqu ired
from book s an d tech nical schools. This
m ean s th e illiterate an d th e poor can
exploit th eir stren gth s, rath er th an be
h eld back by th eir weak n esses. It al-
lows a person to tu rn their h obbies in to
gain fu l em ploym en t. It allows in divid-
u als wh o can n ot work well in a r i gi d
h ierarch y to ru n th eir own sh ow.
Fin an cin g th e poor to start th eir
own little ventu res elevates their sen se
of pri de an d sel f-r esp ect. It offers a
way ou t of welfare dependen cy, n ot ju st
to becom e wage slaves, bu t to open a
store or start a m an u factu rin g bu si-
n ess. It can h elp th ose wh o h ave fou n d
a job an d are still n on eth eless poor. It
gi ves t h e vi ct i m s of p r ej u d i ce wh o
COMPREHENSION TEST
wou ld n ot be h i r ed becau se of th eir
colou r or n ation al origin a ch an ce to
earn a livin g. Th e average cost of cre-
atin g self-em ploym en t is ten , twen ty
or h u n dred tim es lesser th an creatin g
in du stry based em ploym en t. It h elps
isolated poor people gain self-con fi-
den ce, st ep-by -st ep.
Obviou sly self-em ploym en t h as
lim its, bu t in m an y cases it is th e on ly
solu tion to help th ose wh om econ omies
refu se to h ire an d t axpayers do n ot
wan t to carry on th eir sh ou lders. Th e
policy n eeded for th e eradi cat ion of
poverty m u st be mu ch wider an d deep-
er th an th e policy for th e provision of
mere employm en t. Th e real eradication
of poverty begins wh en people are able
to con trol th eir own fate. Poor people
are lik e bon sai trees. Wh en you plan t
th e best seed of th e tallest tree in a
flower -pot, you get a replica of th e tall-
est tree, only in ch es tall. There is n oth -
in g wron g with th e seed you plan ted;
only the soil-base that is too inadequ ate.
Poor people are bon sai people. Th ere
is n oth in g wron g in th eir seeds. Sim -
ply, society n ever gave th em th e base
to grow on . All it tak es to get th e poor
people ou t of poverty is for u s to cre-
ate an en ablin g en viron m en t of th em .
On ce th e poor can u n leash th eir en er -
gy an d creativity, poverty will disap-
pear very qu ick ly.
410. Wh ich of th e followin g is a rea-
son foregin in vestm en ts do n ot
strengthen the econom ies of h ost
n ations ?
(1) Th e paren t com pan y pays all
th e profit as tax to its n ation .
(2) Th e profit of su ch en terpris-
es d oes n ot r em ain in th e
h ost n at ion ; r at h er it goes
b ack t o t h e sh ar e h ol d er s
an d ow n er s of t h e p ar en t
com pany.
(3) Th e em ployees of th e paren t
com pan y dem an d extra pay
from profits th at th e com pa-
n i es earn fr om factori es in
another n ation .
(4) Th e pr ofi t earn ed b y su ch
en terprises is too less to pro-
vide for an yth in g beyon d th e
salaries of em ployees.
(5) Non e of th ese
411. Wh at is th e ton e of th e passage?
(1) Offen si ve (2) Satirical
(3) Analytical (4) Hu morou s
(5) Specu lative
-266-

412. Wh ich of th e followin g is an ad-
van tage that self-employment has
over i n d u st r y b ased em p l oy -
ment ?
(A) Th e work tim in gs are h igh ly
flexible.
(B) Startin g on e’s own ven tu re is
an easy task an d n eeds n o
in vestm en t as fin an cers are
readily available.
(C) Self-em ploym en t m ak es on e
a m aster of oth e people an d
th u s satisfies th eir n eed to
con trol oth ers.
(1) Only (C)
(2) On ly (A)
(3) Only (B)
(4) On ly (A) an d (B)
(5) On ly (A), (B) an d (C)
413. Wh ich of th e followin g m ay be
inferred abou t self-employm en t ?
(A) Self-em ploym en t slowly bu t
st ea d i l y s t r en gt h en s t h e
econ om y of th e cou n try.
(B) Self-em ploym en t check s u n -
em ployment.
(C) As a st r at egy of p r ovi d i n g
em ploym en t, self-em ploym en t is
still u n explored.
(1) Only (B)
(2) On ly (B) an d (C)
(3) On ly (A)
(4) On ly (A) an d (B)
(5) On ly (A) an d (C)
414. What does the au th or in dicate by
th e exam ple of a bon sai tree?
(A) Wh en provided the righ t k ind
of fin an cial h elp, poor peo-
ple can flou rish .
(B) Th e poor people are as capa-
ble as th e well-to-do class.
(C) Con ventional (Indu strial) em-
ploym en t can h elp th e poor
people create their own base.
(1) On ly (A)
(2) Only (B)
(3) On ly (A) an d (B)
(4) On ly (A) an d (C)
(5) On ly (B) an d (C)
415. Th e au th or claim s th at self em -
ploym ent is ‘tailor -m ade’for peo-
ple with certain qu alities. Wh ich
of th e followin g are th e qu alities
of su ch people ?
(A) Th ey h ave an u n con ven tion -
al approach to all th in gs.
(B) Th ey are street-sm art.
(C) Th ey possess m an y acqu ired
and tradition al sk ills.
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(1) On ly (A)
(2) Only (C)
(3) On ly (B) an d (C)
(4) On ly (A) an d (C)
(5) Only (B)
416. Which of the following ou tweigh s
th e employment benefits th at for -
eign indu strialists brin g ?
(1) H u ge in du st ri es set u p b y
t h em cau se en vir on m en tal
pollution.
(2) Th ey employ more n u m ber of
people belon gin g to th eir n a-
tive n at ion s, th an th e h ost
n ations’u n em ployed.
(3) Th ey evade m an y taxes th at
cou ld be a sou rce of reven u e
for th e h ost n ation .
(4) Th ey m an u factu re produ cts
th at h ave n o m ark et in th e
h ost nation .
(5) Th ey practise discrimin ation
on grou n ds of gen der wh en
providing employment to host
n ation s’residen ts.
417. Which of th e followin g m ay be an
appropriate title for th e passage?
(1) Addressing con ventional em -
pl oym en t in devel oped n a-
tions
(2) Var i ed st r at egi es an d ap -
proach es to eradicatin g pov-
er ty
(3) Limitation s of indu strial em -
ployment
(4) How is poverty lin k ed to con -
ven tional (indu strial) employ-
m en t ?
(5) Role of self em p loym en t in
battlin g u n em ploym en t an d
eradication of poverty
418. Wh ich of th e followin g is T RUE
as per th e passage ?
(1) Self em ployment is ben eficial
on l y for developi n g econ o-
m ies.
(2) Sel f-em p loym en t i s n ot as
gl am orou s as con ven t ion al
(indu strial) em ploym en t.
(3) Fi n an ce for poor i s readi ly
avail labl e i n t h e develop ed
n ation s of th e world.
(4) Sm all -scale in du stries pro-
du ce as m u ch toxic waste as
big in du stries.
(5) Non e is tru e.
Di rect i on s (4 19–42 6) : Read the
following passage carefu lly and answer
th e qu estion s given below it. Certain
COMPREHENSION TEST
words/ ph rases h ave been prin ted in
bol d to h elp you locat e t h em wh i le
an swerin g som e of th e qu estion s.
(I BPS Ban k PO/ M T CWE
Ex am . 17. 06.20 12)
Wh en tim es are h ard, doom say-
ers are aplen ty. Th e problem is th at if
you listen to th em too carefu lly, you
tend to overlook the most obviou s signs
of ch an ge. 2011 was a bad year. Can
2012 be an y worse ? Doom sday fore-
casts ar e th e easiest to m ak e th ese
days. So let’s try a con trarian ’s fore-
cast in stead.
Let’s start with th e global econ -
om y. We h ave seen a stead y flow of
good n ews from th e US. Th e em ploy-
m en t situ ation seem s to be im provin g
rapidly an d con su m er sen tim en t, re-
flected in retail expen ditu res on dis-
cretion ary item s lik e electron ics an d
cloth es, h as pick ed u p. If th ese tren ds
su st ai n , t h e US m i gh t p ost b et t er
growth n u m bers for 2012 than th e 1.5-
1.8 per cen t bein g forecast cu rren tly.
J apan is lik ely to pu ll ou t of a
recession in 2012 as post-earth qu ak e
recon stru ction efforts gath er m om en -
tu m and the fiscal stimu lu s annou nced
in 2011 begin s to pay off. Th e con sen -
su s estim ate for growth in J apan is a
respectable 2 per cen t for 2012.
Th e “h ard-lan din g” scen ario for
Ch ina rem ains and will remain a m y t h .
Growth m igh t decelerate fu rth er from
th e 9 per cen t th at it expected to clock
in 2011 bu t is u n lik ely to drop below
8-8.5 per cen t in 2012.
Eu rope is certain ly in a spot of
trou ble. It is perh aps already in reces-
sion an d for 2012 it is lik ely to post
m il dl y n egat ive gr owt h . Th e ri sk of
im plosion h as dwin dled over th e last
few mon th s -periph eral econ omies lik e
Greece, Italy an d Spain h ave n ew gov-
er n m en t s i n p l ace an d h ave m ad e
pr ogr ess toward s gen u in e econ om ic
refor m .
Even with som e of th ese posi-
tive factors in place, we h ave to ac-
cept th e fact that global growth in 2012
will be t epi d. Bu t th ere is a flipside to
th is. Softer growth m ean s lower de-
m and for com m odities and this is lik e-
ly to drive a correction in com m odity
prices. Lower com m odity in flation will
en able em ergin g m ark et cen tral ban k s
to reverse th eir m on etary stan ce. Ch i-
n a, for in stan ce, h as already reversed
its stan ce an d h as pared its reserve
ratio twice. Th e RBI also seem s poised
-267-

for a reversal in its rate cycle as h ead-
lin e in flation seem s well on its way to
its target of 7 per cen t for March 2012.
That said, oil m igh t be an excep-
tion to th e gen eral tren d in com m odi-
ties. Risin g geopolitical ten sion s, par -
ticu larly the continu ing face-off between
Iran an d th e US, m igh t lead to a spu rt
in prices. It m igh t m ak e sen se for ou r
oil companies to h edge th is risk in stead
of bu yin g oil in th e spot m ark et.
As i n fl at i on fear s ab at e an d
em ergin g m ark et cen tral ban k s begin
to cu t rates, two th in gs cou ld h appen .
Lower commodity inflation wou ld m ean
lower in terest rates an d better credit
availability. Th is cou ld set a floor to
growth an d slowly reverse th e bu si-
n ess cycl e wi th i n t h ese econ om i es.
Secon d, a4s th e fear of u n tam ed, ru n -
away i n fl at i on i n t h ese econ om i es
abates, th e global in vestor’s com fort
levels with th eir m ark ets will increase.
Wh ich of th e em er gi n g m ark ets
will ou tperform an d wh o will get left
beh in d ? In an en viron m en t in wh ich
global growth is lik ely to be weak , econ-
om ies lik e In dia th at h ave a powerfu l
domestic consu mption dynamic shou ld
l ead ; t h ose d ep en d en t on ex p or t s
sh ou ld, prim a facie, fall beh in d. Spe-
cifically for In dia, a fall in the exchange
rate cou ld n ot h ave com e at a better
tim e. It will h elp In dian exporters gain
m ark et sh are even if global trade re-
m ain s depressed. More im portantly, it
cou ld lead to m assive im port su bstitu -
tion th at favou rs dom estic produ cers.
Let’s now focu s on India and start
with a caveat. It is im portan t n ot to
con fu se a short-ru n cyclical dip with a
perm an en t de-ratin g of its lon g-term
stru ctu ral poten tial. Th e arith m etic is
sim ple. Ou r growth rate can be in th e
ran ge of 7-10 per cen t depen din g on
policy action . Ten per cen t if we get
everyth in g righ t, 7 per cen t if we get it
all wron g. Wh ich policies an d reform s
are critical to tak in g u s to ou r 10 per
cen t poten tial ? In ju dgin g th is, let’s
again be carefu l. Let’s n ot go by th e
lau n dry list of reform s th at FIIs lik e to
wave: in crease in foreign equ ity lim its
in foreign sh areh oldin g, greater votin g
righ ts for in stitu tion al sh areholders in
ban k s, FDI in retail, etc. Th ese can
h ave an im pact on ly at th e m argin . We
n eed n ot ben d over back wards to ap-
pease th e FIIs th rou gh th ese reform s
- th ey will in vest in ou r m ark ets wh en
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m om en tu m pick s u p an d will be th e
first to exit wh en the m omen tu m flags,
reform s or n ot.
Th e r eform s t h at we n eed are
th e on es th at can actu ally raise ou r
su st ai n ab l e lon g-t er m gr owt h r at e.
Th ese h ave to com e in areas lik e bet-
t er t ar get i n g of su b si d i es, m ak i n g
projects in in frastru ctu re viable so th at
th ey dr aw capital, raisin g th e produ c-
tivity of agricu ltu re, im provin g h ealth -
care an d edu cation , brin gin g th e par -
allel econ om y u n der th e tax n et, im -
pl em en tin g fu n d am en t al reform s in
taxation lik e GST an d th e direct tax
code an d fin all y easin g t h e m y r i ad
ru les an d regu lation s th at m ak e doin g
bu sin ess in In dia su ch a n igh tm are. A
n u m ber of th ese th in gs do n ot requ ire
new legislation and can be done throu gh
execu tive order.
419. Wh ich of t h e foll owin g is NOT
T RUE accordin g to th e passage ?
(1) Ch ina’s econom ic growth m ay
declin e in th e year 2012 as
com pared to th e year 2011
(2) The Eu ropean economy is not
doin g very well
(3) Gr eece i s on t h e ver ge of
brin gin g abou t econ om ic re-
form s
(4) In th e year 2012, J apan m ay
p ost a p osi ti ve gr owt h an d
th u s pu ll ou t of recession
(5) All are tru e
420. Wh ich of the followin g will possi-
bly be a resu lt of softer growth
estim ated for th e year 2012 ?
(A) Prices of oil will n ot in crease.
(B) Credit availab ility wou ld be
lesser.
(C) Com modity inflation wou ld be
lesser.
(1) Only (B)
(2) On ly (A) an d (B)
(3) On ly (A) an d (C)
(4) Only (C)
(5) All (A), (B) an d (C)
421. Wh ich of th e fol lowi n g can be
said abou t th e presen t statu s of
th e US econ om y ?
(1) Th ere is n ot m u ch im prove-
m en t in the econ omic scen ar -
i o of th e cou n t r y fr om t h e
year 2011
(2) Th e growth in th e econ omy of
the cou ntry, in th e year 2012,
w ou l d d efi n i t el y b e l esser
th an 1.8 per cen t
COMPREHENSION TEST
(3) Th e exp en di tu re on clot h es
an d electron ic com m odities,
by con su m ers, is lesser th an
th at in th e year 2011
(4) Th er e i s a ch an ce t h at i n
2012 th e econ om y wou ld do
b et t er t h an wh at h as been
forecast
(5) Th e p ace of ch an ge i n t h e
em ploym en t scen ario of th e
cou n try is very slow.
422. Wh ich of th e followin g is possi-
bly th e m ost appropriate title for
th e passage ?
(1) Th e Econ om ic Disorder
(2) In dian Econ om y Versu s Th e
Eu ropean Econ om y
(3) Global Trade
(4) Th e Cu rren t Econ om ic Sce-
nario
(5) Ch aracteristics Of Th e In di-
an Econ om y
423. Accordin g to th e au th or, wh ich
of th e followin g wou ld ch aracter -
i se In d i an gr owt h scen ari o i n
2012 ?
(A) Dom estic produ cers will tak e
a h it b ecau se of depr essed
global trade scen ario.
(B) On accou nt of its h igh domes-
ti c con su m p tion , In di a wi ll
lead.
(C) In dian exporters will h ave a
h ard tim e in gain in g m ark et
sh are.
(1) Only (B)
(2) On ly (A) an d (B)
(3) On ly (B) an d (C)
(4) On ly (A)
(5) All (A), (B) an d (C)
424. Wh y does th e au th or n ot recom -
m end tak in g u p th e reform s su g-
gested by FIIs ?
(1) Th ese will brin g abou t on ly
m inor growth
(2) Th e r eform s su ggested wil l
h ave n o effect on th e econ o-
m y of ou r cou n try, wh ereas
wi ll ben efit th e FIIs sign ifi-
can tly
(3) The previou s su ch recom men-
dation s h ad back fired
(4) These reform s will be th e sole
reason for ou r cou ntry’s eco-
nomic down fall
(5) Th e r efor m s su ggest ed b y
th em are n ot to be tru sted as
th ey will n ot brin g abou t an y
positive growth in In dia
-268-

425. Wh ich of th e followin g is TRUE
as per th e scen ario presen ted in
th e passage ?
(1) Th e h igh est growth rate th at
In dia can expect is 7 per cen t
(2) Th e fall in th e exch an ge rate
will prove ben eficial to In dia
(3) In creased FDI in retail as su g-
gested by FIIs wou ld ben efit
India trem endou sly
(4) Th e reform s su ggested by th e
au th or requ ire n ew legislation
in In dia
(5) Non e is tru e
426. Accordin g to th e au th or, wh ich
of th e followin g reform / s is/ are
n eed ed t o en s u r e l on g t er m
growth in In dia?
(A) Improving health care and ed-
u cational facilities.
(B) Bringing abou t reforms in tax-
ation.
(C) Im provin g agri cu ltu ral pr o-
du ctivity.
(1) On ly (B)
(2) On ly (A) an d (B)
(3) On ly (B) an d (C)
(4) On ly (A)
(5) All (A), (B) an d (C)
Di r ect i on s (4 2 7 –4 3 5 ) : Read th e
followin g passage carefu lly an d answer
th e qu estion s given below it. Certain
wor ds h ave been pri n ted i n bol d t o
h elp you locate th em wh ile an swerin g
som e of th e qu estion s.
(I BPS Speci al i st Of f i cer CWE
Ex am .1 7 .0 3 .2 0 13 )
In d eed th e west ern r ecessi on i s
really th e begin n in g of good n ews for
In dia! Bu t to u n derstan d th at we will
h ave to m ove away for a wh ile from
th e topic of western recession ....... to
th e J apan ese recession ! For years th e
J ap an ese st yle of m an agem en t h as
been adm ired. However, over th e last
decade or so, on e k ey qu esti on h as
spru n g u p ‘if J apan ese m an agem en t
style is as wonderfu l as described th en
wh y h as J apan been in a recession for
m ore th an a decade ?’
Th e an swer to th is qu estion is very
simple. Cu ltu re plays a very importan t
part in sh apin g u p econ om ies. Wh at
su cceeds in one cu ltu re fails in anoth er.
J apan ese are basically n on m aterialis-
ti c. An d h owever rich th ey becom e,
u n lik e oth ers, th ey can n ot ju st k eep
th rowin g an d bu yin g en dlessly. An d
on ce th ey h ave everyth in g th ey n eed;
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th ere is a satu ration poin t. It was on ly
wh en com pan ies lik e Toyota realized
that th ey cann ot k eep sellin g cars end-
lessly to th eir h om e m ark et th at th ey
wen t really aggr essi v e in th e western
m ark ets -an d th e rest is h istory. Japa-
n ese com pan ies grew bigger by cat er -
i n g to th e world m ark ets wh en th eir
h om e m ark ets sh ru n k .
An d th e m ark ets have to sh rin k fi-
n ally after attain in g a level of afflu en ce!
An d th at’s great for th e world becau se
earth n eeds su stain able developm en t.
It does n ot n eed m on strou s con su m -
ers wh o k eep con su m in g at th e cost of
th e en viron m en t an d th e earth . Th ere
sh ou ld be lim its to growth so th at con -
su m ers are n ot con verted in to m ate-
rial du stbin s for th e profit of a h andfu l
of corporation s.
Owin g to th e m aterialistic cu ltu re
elsewh ere, it was possible to k eep sell-
ing newer produ cts to th e con su m ers
d esp it e h avi n g ex ist in g on es wh ich
served equ ally well. Th ey were lu red
throu gh advertising and mark eting tech-
n iqu es of ‘du stbin isation’ of th e cu s-
tom er; an d then finally, on ce th ey be-
cam e ready cu stom ers, th ey were given
loans and credits to help them bu y more
and more. Wh en all th e creditworth y
people were given loans to a logical limit,
they ceased to be a part of th e m ark et.
Even this wou ld have been u nderstand-
able if it cou ld work as an eye open er.
In stead of tak in g th e ‘Right Step’ as
Toyota did, th ey p referred to tak e a
‘sh ortcu t’. Now ban k s wen t to the non
credi t wort h y peop l e an d gave t h em
loan s. Th e people expectedly defau lted
and th e entire system collapsed.
Now lik e Toyota western com pa-
n ies will learn to fin d n ew m ark ets.
Th ey will n ow lean towards In dia be-
cau se of its com m on m an ! Th e billion
plu s popu lation in th e n ext 25 years
wil l b ecom e, a c on su m i n g m i d d le-
class. Fin ally, th e world’s attention will
sh ift to th e developin g world. Fin ally,
th ere will be a real su r ge in in com e of
th ese people an d in th e n ext fifty odd
years, on e can really h ope to see an
equ al world in term s of m aterial plenty,
with poverty bein g alm ost n on existent!
And this will happen not by selling more
cars to Am erican s an d Eu ropean s. It
will h appen by creatin g m ark ets in In -
dia, Ch in a, Latin Am erica an d Africa,
b y gi vi n g t h ei r p eop l e p u r ch asi n g
p ower an d b y m ak i n g p rodu cts for
them .
COMPREHENSION TEST
Th e recession h as m ade u s realize
th at it is n ot becau se of worse m an -
agem en t t ech n iqu es, bu t b ecau se of
lim its to growth . An d th ey will realize
th at it is great for plan et earth . After
all, h ow m an y cars an d h ou ses m u st
th e rich own before callin g it en ou gh ?
It’s tim e for th em to look at oth ers as
well. Man y years back , to in crease h is
own profits, Hen ry Ford h ad started
payin g h is work ers m ore, so th at th ey
cou ld bu y h is cars. In sim ilar fash ion ,
n ow th e developed world will pay th e
developin g world people so th at th ey
can bu y th eir cars an d wash in g m a-
ch in es.
Th e recession wil l k ick -start th e
p rocess of m ak i n g t h e en ti r e worl d
m ore pr osper ou s, an d lay th e fou n da-
tion of lim its to growth in th e west an d
th e fou n dation of real globalization in
the world – of the globalization of pros-
perity. An d on e of its first ben eficia-
ries will be In dia.
427. What does th e au th or m ean by
the “Righ t Step” in the passage ?
(1) Givin g loan s to creditworth y
people on ly
(2) Con sideri n g m ark et gr owth
alon g with en viron m en t pro-
tection .
(3) Restrictin g people to bu y only
su ch p r od u ct s w h i ch ar e
n eeded by th em .
(4) To start look in g at n ewer av-
en u es an d m ark ets.
(5) Non e of th ese
428. Alt h ou gh adm ired sin ce years,
wh y did th e scepticism over th e
Japan ese management style start
sin ce th e last decade?
(1 ) J ap an ese com p an i es h ave
been moving ou t of their home
m ar k et s si n ce t h e l ast d e-
cade.
(2) J a p a n ese b a n k s h ave
p r ovi d ed l oan s i n d i scr i m -
in ately to th e creditworth y as
w el l a s n o n cr ed i t w or t h y
people.
(3 ) Becau se J apan ese m ark ets
h ave b een goin g th rou gh a
period of con t in u ou s r eces-
sion sin ce th e last decade.
(4) Th e u n lim ited growth of th e
J apan ese m ark ets h as com e
at t h e cost of t h e west er n
m ark et.
(5) Non e of th ese
-269-

429. Wh y does th e au th or foresee th e
m ark ets bein g created in th e de-
vel op i n g cou n t r i es i n st ead of
Am erica an d Eu rope ?
(1) All developin g cou n tries h ave
m aterialistic cu ltu re.
(2) Developed cou n tries are will-
i n g t o m a k e an ef f or t t o
ach ieve globalization .
(3) Am erican an d Eu ropean m ar -
k ets h ave h ad a large n u m -
ber of credit defau lters.
(4) Recession has not h it the mar -
k ets of developin g cou n tries
yet .
(5) Non e of th ese
430. Accordin g to th e au th or, wh at is
th e m ain cau se of J apan ese re-
cession ?
(1) Only a h andfu l of corporations
earn ed pr ofi ts an d n ot t h e
people in gen eral.
(2) Non creditworth y people de-
fau lted which led to a collapse
of th e en tire system .
(3) Con su m ers were sold n ewer
produ cts wh ich were sim ilar
in qu ality to th e existing ones.
(4) J apan ese d o n ot pu rch ase
endlessly and thu s when prod-
u cts h ad been sold to every
cu stom er, the m ark ets slowed
down .
(5) Non e of th ese
431. How does th e au th or foresee th e
fu tu re globalization as an an alo-
gy to Hen ry Ford’s exam ple ?
(A) Car com pan ies wou ld start
sel l i n g car s i n d evel op i n g
cou n tries as well.
(B) B y p ayi n g t h e d evel op i n g
wor ld t h e devel op ed worl d
wou ld in crease its own prof-
it, in tu rn brin gin g afflu en ce
to developin g world as well.
(C) To earn profit, th e compan ies
in developing cou ntries wou ld
m ove to foreign lan d.
(1) On ly A (2) On ly B
(3) On ly C
(4) On ly A an d C
(5) Non e of th ese
432. Accordin g to th e passage, wh ich
of th e followin g was NOT an ef-
fect of providin g loan s an d cred-
its to th e cu stom ers ?
(A) Th e n on creditworth y people
defau lted.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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(B) People bou gh t n ew produ cts
wh ich were n ot n eeded.
(C) Poverty becam e n on -existent.
(1) On ly A
(2) On ly B
(3) On ly A an d B
(4) On ly B an d C
(5) On ly C
433. Wh y is recession th e begin n in g
of good n ews for In dia in th e au -
th or’s view ?
(A) In dia can provide an attrac-
t i ve m ar k et t o th e west er n
com pan ies.
(B) lndia has rem ained largely u n-
affected by recession owing to
its hu ge popu lation.
(C) In d i an s k eep p u r ch asi n g
p r o d u c t s d es p i t e o w n i n g
equ ally good produ cts.
(1) On ly C (2) On ly B
(3) On ly A
(4) On ly B an d C
(5) Non e of th ese
434. Wh at does th e au th or m ean by
‘Du stbin isation ’of th e cu stom er
? March 1974 after th e gen eral election
(1) Con vin cin g th e cu stom er to
b u y p r od u ct s h e d oes n ot
n eed .
(2) Den ying the n on creditworth y
people of an y loan s.
(3) Den yin g m ore loan s to peo-
ple wh o h ave already tak en
loans to a logical lim it.
(4) Movin g from old cu stom ers at
th e h om e m ark et to foreign
m ark ets.
(5) Non e of th ese
435. Wh y accordin g to th e au th or is
th e cu r ren t recession gr eat for
‘Plan et Earth ’?
(A) It will m ak e people non -m ate-
rialistic lik e th e J apan ese.
(B) Th e u n lim ited m ark et growth
wh ich cau sed h azards to th e
en v i r on m en t w ou l d b e
ch eck ed to a certain exten t.
(C) Ban k s will now provide loan s
on ly to th e creditworth y peo-
pl e.
(D) Developing cou ntries will also
be ben efited by sh ifted m ark ets.
(1) On ly A
(2) On ly B an d D
(3) On ly A an d B
(4) On ly B
(5) Non e of th ese
COMPREHENSION TEST
Di rect i on s (4 36 -4 4 5 ) : Read th e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Certain word s h ave been p rin t ed in
bo l d to h elp you l ocate th em wh i le
an swerin g som e of th e qu est ion s.
(I BPS Bank PO/ M T CWE-I I I
Ex am . 26 .10.20 13)
Followin g th e en d of th e Secon d
World War, th e Un ited Kin gdom en -
joyed a lon g period with ou t a m ajor
recession (from 1945 to 1973) an d a
rapid growth in prosperity in the 1950s
an d 1960s. Accordin g to th e OECD,
th e an n u al rate of growth (percen tage
ch an ge) between 1960 an d 1973 av-
eraged 2.9%, alth ou gh th is figu re was
far beh in d th e rates of oth er Eu rope-
an cou n tries su ch as France, West Ger -
m an y an d Italy.
However, foll owin g th e 1973 oil
crisis an d th e 1973–1974 stock m ar -
k et crash, the British econom y fell into
recession an d th e govern m en t of Ed-
ward Heath was ou sted by th e Labou r
Par ty u n der H ar ol d Wil son . Wil son
form ed a m in ority gover n m en t on 4
on 28 Febru ary en ded in a h u n g par -
liam en t. Wilson su bsequ en tly secu red
a th ree seat m ajority in a secon d elec-
tion in October th at year.
Th e UK recorded weak er growth
th an m an y oth er Eu ropean n ation s in
th e 1970s; even after th e early 1970s
recession ended, the econ om y was still
bligh ted by risin g u n em ploym en t an d
dou ble-digit inflation.
In 1 9 76 , th e UK was for ced t o
requ est a loan of £2.3 billion from th e
In tern ation al Mon etary Fu n d. Th e th en
Ch an cel lor of th e Ex ch equ er D en i s
Healey was requ ired to implement pu b-
lic spen din g cu ts an d oth er econ om ic
reform s in order t o secu re th e loan .
Following th e Winter of Discon tent, th e
govern m en t of J am es Callagh an lost a
vote of n o con fiden ce. Th is triggered
th e May 1979 gen eral election wh ich
resu lted in Margaret Th atch er’s Con -
servative Party form in g a n ew govern -
m en t.
A n ew period of n eo-liberal eco-
n om ics began in 1979 with th e elec-
tion of Margaret Th atch er wh o won th e
gen eral election on 3 May th at year to
retu rn th e Con servative Party to gov-
ern men t after five years of Labou r gov-
ern men t.
-270-

D u r i n g t h e 1 9 8 0 s m ost st at e-
own ed en ter p r i ses wer e p ri vat i sed ,
taxes cu t an d m ark ets deregu l ated.
GDP fell 5.9% in itially bu t growth su b-
sequ en tly retu rn ed an d rose to 5% at
its peak in 1988, on e of th e h igh est
rates of an y Eu ropean n ation .
Th e UK econ om y h ad been on e of
th e stron gest econ om ies in term s of
inflation , in terest rates an d u n employ-
m en t, all of wh ich rem ain ed relatively
low u n til th e 2008–09 recession . Un -
em ploym en t h as sin ce reach ed a peak
of ju st u n der 2.5 m illion (7.8%), th e
h i gh est level sin ce t h e earl y 1 990 s,
althou gh still far lower than som e oth -
er Eu ropean n ation s. However, in ter -
est rates h ave r ed u ced t o 0.5% p a.
Du rin g Au gu st 2008 th e IMF warn ed
that the UK economic ou tlook had wors-
en ed du e to a t win sh ock : fin an cial
tu rm oil an d risin g com m odity prices.
Both developm en ts h arm th e UK m ore
th an m ost developed cou n tries, as th e
UK obtain s reven u e from exportin g fi-
n an cial services wh ile recordin g defi-
cits in fin ish ed goods an d com m odi-
ties, in clu din g food. In 2007, th e UK
h ad th e world’s th ird largest cu rren t
accou n t deficit, du e m ain ly to a large
deficit in m an u factu red goods. Du rin g
May 20 08, t h e IM F advised th e UK
govern m en t to br oaden th e scope of
fiscal policy to prom ote extern al bal-
an ce. Alth ou gh th e UK’s “labou r pro-
du ct ivi ty per per son em pl oyed” h as
been progressin g well over the last two
decades an d h as overtak en produ ctiv-
ity in Germany, it still lags arou nd 20%
beh in d Fran ce, wh ere work ers h ave a
35-h ou r work in g week . Th e UK’s “la-
bou r produ ctivity per h ou r work ed” is
cu rren tly on a par with th e average
for the “old” EU (15 cou ntries). In 2010,
th e Un ited Kin gdom ran k ed 26th on
th e Hu m an Developm en t In dex.
Th e UK en tered a recession in Q2
of 20 08, accor din g to th e Office for
Nation al Statistics an d exited it in Q4
of 2 0 0 9 . Th e su b sequ en t ly r evi sed
ONS figu res sh ow th at th e UK su ffered
si x con secu tive qu arters of n egati ve
growth , m ak in g it th e lon gest reces-
sion sin ce records began . As of th e en d
of Q4 2009, revised statistics from th e
Office for Nation al Statistics dem on -
strate th at th e UK econ om y sh ran k by
7.2% from peak to trou gh . Th e Blu e
Book 2013 con firm s th at UK growth
in Q2 of 2013 was 0.7%, an d th at th e
volu me of ou tpu t of GDP remain s 3.2%
below its pre-recession peak ; Th e UK
econ om y’s r ecover y h as t h u s b een
m or e l a ck l u st er t h an p r evi ou sl y
th ou gh t. Fu rth erm ore, Th e Blu e Book
2013 dem on strates th at th e UK expe-
rien ced a deeper in itial down tu rn th an
all of th e G7 econ om ies save for J a-
p an , an d h as exp eri en ced a sl ower
recovery th an all bu t Italy.
A report released by th e Office of
Nat ion al Stati stics on 14 May 2 013
r ev eal ed th at over th e six-year period
b et w een 2 0 0 5 an d 2 0 1 1 , t h e U K
dropped from 5th place to 12th place
in term s of h ou seh old in com e on an
inter nation al scale— the drop was par -
tially attribu ted to th e devalu ation of
sterlin g over th is tim e fram e. Howev-
er, th e report also con clu ded th at, du r -
in g th is period, in flation was relatively
less v ol at i l e, th e UK labou r m ark et
was m ore resilien t in com parison to
ot h er r ecessi on s, an d h ou seh ol d
spen d in g an d weal th i n th e UK re-
main ed relatively strong in comparison
with oth er OECD cou n tries. Accord-
in g to a report by Moody’s Corpora-
tion , Britain ’s debt-to-GDP ratio con -
tin u es to in crease in 2013 an d is ex-
pected to reach 93% at th e en d of th e
year. Th e UK h as lost its triple-A cred-
it ratin g on th e basis of poor econ om ic
ou tlook . 2013 Econ om ic Growth h as
su rprised many Econ om ists, Ministers
an d th e OBR in th e 2013 bu dget pro-
jected an n u al growth of ju st 0.6%, In
2013 Q1 th e econ om y grew by 0.4%,
Q2 th e econ om y grew by 0.7% an d Q3
th e economy is predicted to h ave grown
at 0.8%.
436. A n ew period of n eo-liberal eco-
nomics began in United Kin gdom
wi t h t h e el ect i on of M ar gar et
Th atch er after five years of La-
b ou r go v er n m en t . M a r gar et
Th atch er cam e in power in
(1) 1980 (2) 1976
(3) 1979 (4) 1982
(5) Non e of th ese
437. Accordin g to th e OECD, th e an -
n u al r at e of gr owt h of Un it ed
K i n gd om ’s econ om y b et w een
1960 an d 1973 averaged
(1) 2.9% (2) 2.34%
(3) 2.87% (4) 5.9%
(5) Non e of th ese
COMPREHENSION TEST
438. Du ring Au gu st 2008, Intern ation-
al Mon etary Fu nd warned th at the
Un ited Kin gdom econ om ic ou t-
look h ad worsen ed du e to a twin
s h o c k . W h at w er e t h e t w i n
sh ock s?
(1) Fi n an ci al t u r m oi l an d d e-
creasin g com m odity prices
(2) Fin an cial tu rm oil an d risin g
com modity prices
(3) In creasi n g ex por ts an d de-
creasin g im ports
(4) Low i n d u st r ial growt h an d
in creasing im ports
(5) Non e of th ese
439. A report of Office of Nation al Sta-
t i st i cs r eveal ed t h at b et w een
2005 an d 2011, th e UK dropped
from 5th place to 12th place in
term s of
(1) exports on an in t ern ati on al
scale
(2) im ports on an in tern ation al
scale
(3) h ou seh old in com e on an in -
tern ation al scale
(4) agricu ltru al produ ctivity
(5) Non e of th ese
440. According to a report by Moody’s,
Britain ’s debt to – GDP ratio is
exp ected to reach _____ at th e
en d of 2013.
(1) 90 per cen t
(2) 80 per cen t
(3) 87.3 per cen t
(4) 93 per cen t
(5) Non e of th ese
441. In 20 0 7 , th e Un i ted Ki n gd om
h ad the world’s th ird largest cu r -
ren t accou n t deficit du e m ain ly
to large deficit in
(1) m anu factu red goods
(2) high in flation
(3) agricu ltu ral produ ces
(4) exports
(5) im ports
Di rect i on s (4 42–4 43) : In th e fol-
lowin g qu estion s, ch oose th e word/
grou p of words wh ich is M OST SI M I -
LAR in m ean in g to th e word/ grou p of
words prin ted in bol d as u sed in th e
passage.
442. Broaden
(1) n arrow (2) widen
(3) scat ter (4) brittle
(5) broadcast

I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-271-
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443. on a par
(1) u p to a scratch
(2) of sam e valu e
(3) equ al to
(4) in con trast
(5) on th e con trary
Di rect i on s (4 44–4 45) : In th e fol-
lowin g qu estion s, ch oose th e word/
grou p of words wh ich is M OST OPPO-
SI T E in m ean in g to th e word/ grou p of
words prin ted in bol d as u sed in th e
passage.
444. Vol at i l e
(1) stable (2) u n stable
(3) sin cere (4) voraciou s
(5) bu xom
445. Reveal
(1) brin g ou t (2) concen trate
(3) con cede (4) conceal
(5) con fer
Di rect i on s (446 – 455 ) : Read the
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bol d to h elp you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(I BPS Bank PO/ M T CWE-I I I
Ex am . 26 .10.20 13)
Th e gr eat recession h asn ’t been
great for free trad e. As u n em ploym en t
h as r isen th rou gh ou t th e wor ld, gov-
er n m en ts h ave b ecom e m ore focu sed
on protecting their own in du stries th an
on prom oting in ternation al com merce.
Th e U. S., t h ou gh t ypi cal ly an en th u -
si ast ic su pp ort er of open m ark et s, in
du ded “b u y Am erican ” clau ses i n i ts
st im u lu s pack age an d propped u p i ts
faili n g au to i n du stry with h an d ou ts.
Bu t accor din g t o t h e Asian D e-
velop m en t Ban k (AD B), in th e part of
th e world th at was h it h ardest b y t h e
tr ade cr ash -Asi a, th e n u m ber of Fr ee
– Trade Agr eem en ts (FTAs) sign ed by
Asian cou n t ries h as grown from ju st
th ree in 200 0 t o 56 by th e en d of Au -
gu st 2009. Nin eteen of th ose FTAs are
am on g 16 Asi an econ om ies, a tren d
th at cou ld h el p th e r egi on becom e a
power fu l tr adi n g bloc.
Th e dr ive to lower trade b arr i-
er s h as t ak en on fr esh u r gen cy am id
th e r ecessi on . As Asi an m an u factu r -
ing n etwork s becom e m ore intertwined
— an d as Asi an con su m ers b ecom e
wealt h ier — region al com m erce i s b e-
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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com i n g cr i t i c al t o fu tu re econ om i c
ex p an si on . In t r aregi on al t r ade l ast
year made u p 57% of total Asian trade,
u p fr om 37% in 19 80. I n t h e past
Asi a pr od u ced f or Am er i ca an d Eu -
r ope, n ow Asi a i s pr odu ci n g for Asi a.
Of cou rse, Asia is still depen den t
on sales to th e West. Bu t FTAs cou ld
redu ce t h e region ’s exposu r e t o t h e
Un ited States b y givi n g Asian com p a-
n i es prefer en t ial treatm en t in selli n g
to Asian com pan ies an d con su m er s.
Th ese ben efits cou ld com e with down -
si des, h owever. Accord in g to exp ert s,
FTAs create a “n on -level pl ayi n g field
wi th advan tages for Asian cou n tr ies”.
If th e m ost dyn am i cal ly growin g part
of th e gl obal econ om y gives th e U. S.
restr ict ed access it wil l i m pact glob al
balan ce. Com pan ies in cou n tr ies li k e
th e Un it ed Stat es left ou t of t h e trade
pacts cou ld face d isadvan tages wh en
tryin g to tap fast – growin g Asian m ar -
k ets. Th is, in tu rn , cou ld h ave a n eg-
at ive im pact on effor ts to r ebalan ce
ex cessive deb t i n t h e U. S. an d ex-
cessi ve savi n gs in Asi a. Sti ll, th e ben -
efit s of gr eat er r egion al i n t egr ati on
cou ld pr ove power fu l en ou gh to over -
com e th e roadblock s. In Asia, th e on ly
th in g everyon e agr ees u p on is bu si-
n ess. If it does, t h e worl d econ om y
m ay n ever b e t h e sam e.
446. Wh at do th e Asian Developm en t
Ban k statisti cs in dicate ?
(1) Asian econ om ies ar e fin an -
cially m ore sou n d th an th ose
of th e d evelop ed wor ld
(2) Th e fin an cial crisis im p acted
th e West far m ore th an i t d id
Asia
(3) Asian cou n tries h ave al ign ed
them selves on lin es sim ilar to
th e Eu rop ean Un i on
(4) Wester n cou n tri es are scep-
ti cal ab ou t tr adi n g wit h d e-
vel opin g cou n tr ies
(5) Asi an cou n t ri es h ave b een
actively op en i n g th eir m ar -
k ets to on e an oth er
447. Wh at h as gi ven rise t o t h e lar ge
n u m b er of t r ad e agr eem en t s
between Asian cou n t ries ?
(1) Th e n eed to in su l at e Asi an
econ om i es fr om over ex p o-
su re to t h e Am erican econ o-
my
(2) An gry react ion am on g Asi an
cou n tries owin g t o Am eri ca’s
protection ist policy
COMPREHENSION TEST
(3) Th e aim of em p owerin g t h e
poorer Asian econ om ies an d
brin g th em on par with West-
er n econ om i es
(4) Th e d esi re to ach ieve con d i-
tions con du cive to global con -
sen su s on tr ade regu lation s
an d tariffs
(5) Wi despread pan i c i n Eu rope
an d Asia as Asian econ om ies
ar e yet to r ecover from th e
recession
448. Wh ich of th e followin g is NOT
T RUE in th e con t ext of th e pas-
sage ?
(A) Polit ical an d econ om i c r ival-
ries between Asian cou n tr ies
are n on -existen t tod ay.
(B) Asian cou n tr ies h old Am er i-
ca respon si ble for th e r eces-
si on an d h ave i m posed eco-
n om ic san cti on s again st t h e
U. S.
(C) Am eri ca h as adopted a pr o-
tect ion i st strategy aft er t h e
r ecessi on .
(1) On ly (A)
(2 ) On ly (B) an d (C)
(3 ) On ly (A) an d (B)
(4) On ly (C) (5 ) Non e of th ese
449. Wh ich of th e fol lowin g describes
ex per t pr edi cti on s ab ou t trade
pacts bet ween Asian cou n t ries?
(1 ) Th ese will be ben efi cial an d
are lik ely to give rise to a com -
m on Asian cu rren cy
(2 ) Tar iffs wi ll be lowered an d
bu reau cratic regu lation s will
becom e tr an sparen t
(3 ) Wi den in g of differ en ces b e-
tween parti cipan t an d n on -
p ar t i ci p an t cou n t r i es w i l l
h am per global stability
(4 ) Regi on al con fl i ct s wi l l i n -
cr ease as com p et i t i on an d
in equ ities bet ween Asian n a-
tion s will in ten sify.
(5 ) Th ey ar e l ik el y t o b e sh or t-
li ved as it wi ll b e d ifficu lt to
get p art ici pat in g n ation s to
ar rive at a con sen su s
450. Wh ich of th e followin g h as/ h ave
n ot been (an ) im pact (s) of t h e
recession ?
(A) Var i ou s t r ad e agr eem en t s
si gn ed b et w een d evel op ed
an d Asian cou n tries have n ot
been h on ou red.
-272-

(B) Th e U. S. govern m en t h as
restr u ctu red th e au tom obi le
in du stry.
(C) Region al con flicts in Asia have
su bstan tially redu ced.
(1) On ly (C) (2) On ly (A)
(3 ) On ly (A) an d (B)
(4) All (A), (B ) an d (C)
(5 ) Non e of th ese
451. Accor d i n g t o th e au t h or wh at
dan ger d oes creati n g an Asi an
tr adi n g bloc p ose ?
(1) Political instability in Asia will
r i se as som e cou n t ri es ar e
wealth ier th an oth ers
(2 ) Am eri can con su m er s h ave
c ea s ed t h ei r d em a n d fo r
Asian goods
(3) Unemployment in Asian cou n-
tr ies wil l r ise as m an y p lan ts
wi ll be for ced to cl ose down
(4) It wi l l alt er t h e b al an ce of
power in th e World with sm all
Asi an cou n t r i es b ecom i n g
m ost domin an t
(5 ) Non e of th ese
452. Wh at is th e au thor tryin g to con -
vey t h rou gh th e ph r ase “I n t h e
past Asi a p r odu ced fo r Am er i -
ca an d Eu rope, n ow Asi a i s pro-
du ci n g fo r Asi a” ?
(1 ) Th e n u m b er of wealth y con -
su m er s in Asi a ou tn u m ber
th ose in Am erica an d Eu rope
togeth er
(2 ) Asian cou n tr ies do n ot su p-
port free t rad e an d con tin u e
t o tr ad e am on g t h em sel ves
despit e t h e recessi on
(3) Goods manu factu red in Asian
cou n t ries often fail to m eet
th e stan d ard s set by d evel-
oped cou n tr ies
(4) Asian cou n tri es n o lon ger ex-
p or t t o West er n m a r k et s
alon e an d n ow cater t o Asian
m ark et s as well
(5 ) In terregion al trade bar riers
b et w een E u r op e an d Asi a
h ave weak en ed con siderably.
453. Wh ich of th e followin g is m o st
opposi t e in m ean in g to th e word
“CRI T I CAL” as u sed in th e pas-
sage ?
(1) Un im portan t
(2) Com plim en tary
(3) Approval
(4) Sale
(5) Steady
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
454. Wh ich of th e followin g is m o st
si m i l ar i n m ean in g to th e word
“FRESH” as u sed in the passage?
(1) Addition al (2 ) Ren ewed
(3) Origin al (4) Health y
(5) Mod ern
455. Wh ich of th e fol lowi n g can be
said abou t t h e Am erican econ o-
m y i n t h e con t ext of t h e p as-
sage?
(A)M ost Am er i can com p an i es
h ave opted t o with draw fr om
Asia.
(B) Am erica’s stan d on free trade
h as al t er ed becau se of t h e
r ecessi on .
(C) Th e Am erican econ om y i s far
t oo d ep en d en t on Asi a for
trade.
(1) On ly (A) (2) On ly (B)
(3) On ly (C)
(4) All (A), (B ) an d (C)
(5 ) Non e of th ese
Di r ect i on s (4 5 6 -4 6 5) : Read th e
following in terview and an swer th e giv-
en qu estion s based on . Som e words
h ave been prin ted in bol d to h elp you
locate th em wh ile an swerin g som e of
th e qu estion s.
(I n di an Ov er seas Ban k PO
On l i n e Ex am . 01.09.2013)
A pion eerin g n ew book , Gen der
an d Gr een Gov er n an c e, expl ores a
cen tral qu estion : If wom en h ad ade-
qu ate represen tation in forestry in sti-
tu tion s, wou ld it m ak e a differen ce to
th em , th eir com m u n ities, an d forests
as a n ation al resou rce? In terview with
th e au thor.
Wh y h as access t o forest s been
such a con fl i ct -r i dden i ssu e ?
Th i s is n ot su rp risi n g. Forests
con stitu te n ot ju st com mu n ity and na-
tion al wealth , bu t global wealth . Bu t
for m illion s, forests are also critical for
livelih oods an d th eir daily lives.
You r fi r st book , Col d H ear t h s
an d Bar r en Sl opes (19 8 6 ), was abou t
for est s. I s t h er e an ev ol u t i on of ar -
gu m en t h er e ?
Yes in deed : In Cold Hearts an d
Barren Slopes, I h ad argu ed th at so-
cial forestry, with its top-down im ple-
m en tation an d focu s on com m ercial
species, was n eith er ‘social’ n or for -
estry’, an d wou ld protect n eith er for -
ests nor village livelih oods. Th e answer,
I argu ed, lay in allowin g forests com -
COMPREHENSION TEST
m u n ities to m an age local forests. Fi-
nally, in 1990, In dia lau n ch ed the joint
forest m an agem en t p rogram m e an d
Nepal also started com m u n ity forest-
ry. So I decided to see for m yself h ow
com m u n ity forestry was actu ally do-
ing.
Between 1995 an d 1999, I trav-
elled exten sively across In dia an d Ne-
pal an d fou n d par adox : Forests were
in deed becom in g green er bu t wom en ’s
problem of firewood sh ortages persist-
ed an d i n m an y cases h ad b ecom e
m ore acu t e. Also, despite th eir h igh
stak es in forests, wom en con tin u ed to
be largely exclu ded from forest m an -
agem en t. I coin ed th e term “participa-
tory exclu sion s” to describe th is. How-
ever, th e cu rren t book is less abou t
wom en ’s ex cl u si on . I ask : Wh at i f
wom en were presen t in forest gover -
n an ce ? Wh at differen ce wou ld th at
m ak e ?
Bu t h as t h i s qu est i on n ot been
r ai sed befor e ?
Economists research in g environ -
m en tal collective action h ave paid little
attention to gen der. Scholars from oth -
er disciplines focu ssin g on gen der an d
governan ce h ave been con cern ed main-
ly with women ’s n ear absence from gov-
ern an ce in stitu tion s. Th e presu m ption
i s th at on ce wom en are pr esen t al l
good t h in gs will follow. B u t can we
assu m e th is ? No. Ru ral wom en ’s rela-
tion sh ip with forests is com plex.
On th e on e h an d, th eir everyday
depen den ce on forests for firewood,
fodder, etc, creates a stron g stak e in
con servation . On th e oth er, th e sam e
depen den ce can com pel th em to ex-
tract h eavily from forests. As on e lan d-
less wom an t old m e : ‘Of cou r se, it
h u rts m e to cu t a gr een bran ch bu t
wh at do I do if m y ch ildren are h u n -
gry? Tak ing an agn ostic position , I de-
cided to test varied proposition s, con -
t r ol l i n g for oth er factors.
Wh at di d y ou fi n d ?
First, wom en’s greater presence
en han ces th eir effective voice in deci-
sion-mak ing. And there is a critical mass
effect : If forests managemen t grou ps
have 25-33 per cent female m embers in
their execu tive committees it significantly
in creases th e lik elihood of women at-
tending meetings, speak ing up and hold-
ing office. However, the inclusion of land-
less women m ak es a particu lar differ -
en ce. When present in su fficient nu m-
-273-

bers they are more lik ely to attend meet-
ings an d voice their concerns than land-
ed women. So wh at m atters is not ju st
in clu ding more women, bu t more poor
wom en.
Sec o n d , a n d u n ex p ec t ed l y ,
gr ou p s wi t h m or e wom en t ypi cal l y
m ak e stricter forest u se ru les. Wh y is
th is th e case ? Main ly becau se th ey
receive poorer forests from th e forest
departm en t. To regen erate th ese th ey
have to sacrifice their imm ediate n eeds.
Wom en fr om h ou seh olds with som e
lan d h ave som e fallback . Bu t rem ark -
ably even in grou ps with m ore lan d-
l ess wom en , al t h ou gh ex tr act ion i s
h igh er, th ey still balan ce self-in terest
with con servation goals, wh en placed
in decision -mak in g positions.
Th ird, grou ps with m ore wom en
ou tperform oth er grou ps in im provin g
forest con ditions, despite getting poorer
forests. In volvin g wom en su bstan tial-
ly im proves protection and con flict res-
olu tion , h elps th e u se of th eir k n owl-
edge of local biodiversity, an d raises
ch ildren ’s awaren ess abou t con serva-
tion.
456. Wh at was au th or’s view on ‘So-
cial Forestry Sch em e’?
(1) A great su ccess
(2) Ben eficial for villagers
(3) Neith er good n or bad
(4) Sh ou ld have been implem en t-
ed as ‘top-down ’
(5) Non e of th ese
457. Wh ich of th e followin g is on e of
t h e r eason s of for ests b ein g a
con flict-ridden issu e ?
(1) Som e cou n tr ies h ave lar ger
forest cover
(2) There is less awareness abou t
global warm in g
(3) High depen den ce of m an y on
forest s
(4) Less represen tation of wom -
en
(5) Less represen tati on of l ocal
women
458. Th e au th or is advocatin g in clu -
sion of
(1) More lan dless wom en
(2) More lan ded wom en
(3) More wom en ir resp ect ive of
th eir fin an cial statu s
(4) Local people
(5) You n ger wom en i n t h e age
grou p of 25-33 years
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
459. Wh ich of th e fol lowin g best d e-
scribes “participatory exclu sion”,
as u sed in th e in ter view ?
(1) Ou tside su p port
(2) Overd ep en den ce
(3) Ben efittin g with ou t self in ter -
est
(4) Con tribu tin g with profits
(5) Non e of th ese
460. In th e secon d qu est ion , th e i n -
terviewer ask ed -’Is th ere an evo-
lu tion of argu m en t h ere ?’Which
of th e followin g best describ es
th at ?
(1) F r o m B a r r en t o G r een er
slopes
(2) Fr om l ocal grou p s t o l ocal
gr ou p s with m ore wom en
(3) A fin e balan ce bet ween con -
servation and commercial for -
est ry
(4) Top -down ap proach t o Com -
m u n ity forestry
(5) Par t i ci p at or y ex cl u si on t o
Gr een er slop es
461. Wh y d oes au t h or say, ‘Ru r al
wom en ’s r elation sh ip with for -
ests i s com p lex’?
(1) Depen den ce forces th em to
ext r act an d al so h ave con -
cern for con servati on
(2) If th ey p rot ect forests, th eir
li vel ih ood i s severel y affect-
ed
(3) Poor wom en h ave been ex-
cl u ded from for est m an age-
ment
(4) Th ey can n ot be ask ed t o r e-
st ore for est s wh ich are crit i-
cal for th em
(5) Gr een er forests do n ot m eet
th e r equ i rem en t of fir ewood
462. Lan dl ess wom en , wh en in deci-
sion m ak in g role
(1) ex tract m u ch m ore from for -
est
(2) im prove t h ei r own fin an ci al
statu s
(3) do n ot care for forest
(4) are able to m eet con servation
ob j ect i ves as wel l as t h ei r
own in terest
(5) fu lfill th eir own in terest at th e
cost of con servati on goals
Di r ec t i on s (4 6 3 –4 6 5 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s
m o st n ear l y t h e sam e in m ean i n g to
th e word/ grou p of word s p rin t ed in
bol d .
COMPREHENSION TEST
463. CONT ROLLI NG
(1) h old in g in ch eck
(2) in creasin g (3) decreasin g
(4) passin g (5) ign orin g
464. PARADOX
(1) similarity (2) position
(3) anom aly (4) d i ffer en ce
(5) excu se
465. ACUT E
(1) accu rate (2) sever e
(3) du ll (4) focu sed
(5) r efi n ed
Di r ec t i on s (4 6 6 –4 7 5 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bold to help you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(BOB M an i pal Sch ool of Ban k i n g
Of f i c er On l i n e Ex am , 1 4. 08. 201 4)
A cou ple of week s ago I was ask ed
wh at I t h ou gh t th e fu tu r e of t ech n olo-
gy in ed u cat ion was. It is a reall y i n -
terestin g qu est ion an d on e t h at I am
requ i red to th i n k abou t all th e tim e.
By it s very n at u re, tech n ology ch an g-
es at a fast p ace an d m ak in g i t acces-
sib l e t o pu p i ls, t each er s an d ot h er
stak eh ol ders is an on goi n g ch allen ge.
So wh at i s t h e fu t u re ? Is i t t h e
iPad ?
No, I don ’t th i n k it is. For m e, t h e
fu tu r e i s n ot abou t on e specifi c d e-
vi ce. Don ’t get m e wr on g, I love t h e
iPad. In fact , I h ave ju st fin ish ed a
tr ial to see i f u sin g th em really does
su pport teach i n g an d learn i n g — an d
th ey h ave p roved effecti ve. I’ve wri t-
ten abou t th e t rial in m ore detail on
m y bl og. iPads an d oth er m obile tech -
n ology are t h e ‘n ow’. Al th ou gh , th ey
wi ll play a par t i n t h e fu tu re, som e
years ago th e i Pad did n ’t even exist.
We don ’t k n ow wh at wi ll be th e cu r -
ren t tech n ol ogy in ot h er fou r year s.
Per h aps i t wi ll b e wearabl e devi ces
su ch as Googl e Glass, al th ou gh I su s-
pect th at tablets wil l stil l be u sed in
edu cation .
Th e fu tu re is abou t access, an y-
where learn in g and collaboration , both
l ocal l y an d gl ob al l y. Teach i n g an d
learn i n g is goin g to be social . Sch ools
of th e fu tu re cou ld h ave a tradit ion al
coh or t of st u den ts, as well as on li n e
on l y st u d en t s wh o l i ve acr oss t h e
cou n t ry or even th e world . Th in gs are
already startin g to m ove th is way with
th e em er gen c e of m assive open on -
-274-

l in e cou r ses (MOOCs). For m e, th e
fu tu r e of tech n ology in edu cati on is
th e clou d.
Tech n ology can oft en be a b arr i-
er to teach i n g an d learn in g. I th i n k
th e clou d will go a l on g way t o r em ov-
in g t h is barri er. Wh y ? By rem ovi n g
t h e n u m b er of t h i n gs t h at can go
wron g.
Sch ool s, will on l y n eed on e m ajor
th in g to be prepar ed for th e fu tu r e.
Th ey wil l n ot n eed software in stalled,
servers or local file st orage. Sch ools
wi ll n eed a fast r o bu st in ter n et con -
n ection . In frastru ctu r e is par am ou n t
to t h e th e fu tu r e of tech n ology in edu -
cation .
We don ’t k n ow wh at th e n ew ‘in ’
device wi ll be in t h e fu t u re. Wh at we
do k n ow, is th at it will n eed th e clou d.
Sch ools an d oth er edu cat ion al i n st i-
tu tion s will n eed to fu t u re proof th eir
in frastru ctu re th e best t h ey can .
Th is sh ou ld be h ap pen in g n ow.
If you wan t to start to u se m obile tech -
n ology i n you r sch ool , wh eth er it is
an iPad program or a bri n g you r own
device (B YOD ) p rogr am you r con n ec-
ti vit y m u st be fast an d rel iab le. St u -
den t an d teach er bu y i n , is so i m por -
tan t. If th e n etwork is slow an d th i n gs
are n ot work in g properly stu den ts an d
teach ers wil l n ot wan t to u se th e d e-
vi ces. M ak e su re th e in frastru ctu re is
th ere befor e t h e devices.
Teach ers can u se th e clou d to set,
collect an d gr ade wor k on li n e. St u -
d en t s wi l l h ave i n st an t access t o
grades, comm en ts an d work via a com -
p u t er, sm ar tp h on e or t ab l et . M an y
sch ools are alr eady doin g th is. Plu s,
servi ces su ch as t h e edu cati on al so-
ci al n et wor k Ed m od o offer t h i s for
fr ee.
Th i s i s wh ere devices com e in .
Al l d evi ces n ot m atter wh ich on es we
wi ll u se in th e fu tu r e will n eed t o ac-
cess th e clou d. Each stu den t will h ave
th ei r own . Eit h er a devi ce sp eci fi ed
by th e sch ool or on e th ey h ave ch o-
sen t o br in g in th em selves.
Sch ool cl assroom s are goin g to
ch an ge. Th an k s to th e cl ou d an d m o-
bi le devices, tech n ol ogy wi ll be in t e-
grated in to ever y part of sch ool. In
fact, it won ’t ju st be th e classroom s
th at wil l ch an ge. Gam es fiel ds, gym s
an d school trips will all change. Wheth-
er offsit e or on site th e sch ool, t each -
er s, stu den t s an d su p por t st aff wi ll
al l b e con n ected. In m y ideal worl d,
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
al l classroom s wil l b e paper less.
Wi th th e clou d, th e world wi ll be
ou r classroom . E–learn in g will ch an ge
teach in g an d l earn in g. Stu d en t s can
learn from an ywh ere an d teach ers can
teach fr om an ywh er e.
Th e clou d can also en cou rage i n -
depen den t learn in g. Teach ers cou ld
ad opt a fl ipp ed classroom app roach
m ore oft en . St u den ts wil l t ak e own -
er sh i p of th eir own l ear n in g. Teach -
ers can p u t resou r ces for stu d en t s
online for stu den ts to u se. Th ese cou ld
be videos, docu m en ts, au dio podcasts
or in ter acti ve im ages. All of t h ese r e-
sou rces can be accessed via a stu -
den t’s com p u ter, sm ar tph on e or tab-
let. As l on g as th ey h ave an in t ern et
con n ecti on eith er via Wi fi, 3G or 4G
th ey are good t o go.
Rath er th an b ein g ‘t au gh t ’ st u -
den ts can learn in dep en d en tl y an d in
th eir own way. Th ere is also a m as-
si ve am ou n t of resou r ces on l in e th at
stu den ts can fin d an d u se th em selves,
wi th ou t th e h elp of t h e teach er.
Th is of cou rse m ean s th e role of
th e t each er wil l ch an ge.
Sh ar ed ap p li cat i on s an d d ocu -
m en ts on th e cl ou d, su ch as Google
Apps will allow for m ore social lessons.
How often d o stu den ts get an oppor -
tu n ity to col l abor at e produ ctively u s-
in g t ech n ology in th e cl assr oom ? It
isn ’t al ways easy. However, stu den ts
work in g on docu m en ts togeth er u sin g
Googl e Apps ar e easy. Th ey cou ld be
in th e sam e room or in d ifferen t cou n -
tr ies. Th ese are al l good sk i lls for st u -
den ts to h ave. Of cou rse, th ese col-
labor ative t ool s ar e also very u sefu l
for teach ers. I for on e h ave work ed
on several p roj ects wh ere th ese tools
h ave let m e work with peopl e across
th e cou n try. Som e of which I h ave nev-
er m et.
Wh at we m u st rem em ber is th at
wh en sch ools ad opt n ew tech n ology
an d services, th ey m u st be evalu at-
ed . Th is way, as a sch ool, you k n ow
if th ey are su ccessfu l an d wh at i m -
provem en ts are n eeded. Staff will also
n eed trai n in g, you can ’t exp ect staff
to u se n ew t ech n ology if th ey ar e n ot
con fi den t u sers or creators. An y in i-
tiative is doom ed to failu re with ou t well
tr ain ed, con fid en t st aff wh o can see
h ow tech n ol ogy can su pport an d ben -
efit teach in g an d lear n in g.
Pl en t y of sch ool s h ave al r ead y
em br aced th is, bu t t h ere’s sti ll a way
COMPREHENSION TEST
to go to en su re all sch ools are ready
for t h e fu tu re of tech n ol ogy. It is ti m e
for all sch ools to em b race t h e clou d.
466. Wh at do you th in k sh ou ld be th e
m ost app ropr iate title of th e giv-
en passage ?
(1) Fu tu r e of Tech n ology i n Ed-
u cation
(2) Techn ology–Barrier to Edu ca-
tion
(3) Massive Open On lin e Cou rs-
es
(4) Hypothetical Approach to Ed-
u cation
(5) Non e of th ese
467. Wh i ch of t h e fol l owi n g st at e-
m en ts is n ot cor rect as per t h e
con text of t h e given arti cle ?
(1) According to th e writer of th is
ar ticle, fu tu re of tech n ology
in edu cat ion is clou d.
(2) Th e writer sees ip ad as t h e
on l y fu t u re i n ed u cati on .
(3) Sch ools wil l n eed a fast r o-
bu st in t ern et con n ection for
gettin g advan tage of t ech n ol-
ogy.
(4) T h e w r i t er o p i n es t h a t
ipads an d ot h er m obil e tech -
n ology are th e ‘n ow’an d play
a part in th e fu tu r e.
(5) Non e of th ese
468. Th e writer advocat es abou t t h e
u se of cl ou d . Wh ich of th e fol-
lowin g stat em en t (s) is/ are tr u e
in th is regard ?
I . Teach ers can u se t h e clou d to
set, coll ect an d gr ade wor k on -
line.
II . Stu dents will have in stan t access
to gr ades, com m en ts an d work
vi a com pu ter et c.
III. Services su ch as th e edu cation -
al social n etwork Edm odo offer
facil iti es to stu d en t s for free.
(1) On ly I
(2) On ly II
(3) Both II an d III
(4) Al l t h ree I, II an d III
(5) Both I an d II
469. Th e wr iter opin es t h at wit h t h e
u se of cl ou d , sch oolr oom s wi ll
ch an ge an d m an y facili ties wi ll
be available. Wh ich of th e fol-
lowin g ch an ges will be perceived
in edu cati on ?
(1) With th e clou d, th e world will
be ou r cl assroom .
-275-

(2) Stu den ts can learn from an y- 475. Em br ace
w h er e a n d t ea c h er s c a n (1) hu g (2) accept
teach fr om an ywh er e. (3) rej ect (4) inclu de
(3) Stu den ts will tak e own ersh ip
(5) embroil
of th eir own l ear n in g.
Di r ec t i on s (4 7 6 –4 8 5 ) : Read t h e
(4) Teach ers can pu t r esou rces
foll owi n g p assage car efu ll y an d an -
for stu d en t s on lin e t o u se
swer t h e qu est i on s gi ven b el ow i t .
(5) Al l t h e above Cer t ai n wor d s/ p h r ases h ave b een
470. W h i c h of t h e fol l ow i n g prin ted in bol d to h elp you locate them
st atem en t (s) is/ are NOT t ru e in wh i l e an sweri n g som e of t h e qu es-
th e con t ext of th e gi ven passage tions.
? u r e m ean s t ak i n g t h e blam e. Th at is
(I BPS Ban k PO/ M T CWE-I V, 18.10.2 014)
I . Sh ared appl icat ion s an d docu - Th e wisdom of l ear n in g fr om fai l-
ments on th e clou d, su ch as Goo- u r e is i n con t r ov er t i bl e. Yet or gan i-
gl e Apps wi ll allow for m or e so- sation s th at d o i t well are ex traord i-
ci al lesson s. n aril y rare. Th is gap is n ot du e to a
II . Teach ers cou ld adopt a fl ipp ed lack of com m itm en t to learn in g. M an -
cl assroom approach m ore oft en agers in th e vast m ajority of en terpris-
after clou d. es th at I h ave stu died over th e past
III. A few sch ool s h ave al read y em - 20 years— ph arm aceu t ical, fin an ci al
br aced n ew clou d tech n ology. services, prod u ct desi gn , telecom m u -
(1) On ly I (2) On ly II n i cat ion s, an d con st ru ction com p a-
n i es; h osp i t al s; an d NASA’s sp ace
(3) On ly III
sh u ttle p rogram , am on g ot h ers— gen -
(4) Both I an d III
u i n el y wan ted t o h elp th eir organ isa-
(5) None ti on s learn from fail u res to im prove
Di r ect i on s (4 7 1 –4 7 3 ) : Ch oose fu tu r e per for m an ce. In som e cases
t h e wor d / gr ou p of wor d s wh i ch i s t h ey an d t h ei r t eam s h ad d evot ed
m o st si m i l ar in m ean i n g to th e word m an y h ou rs to after -acti on reviews,
/ grou p of word s p rin ted in bo l d as postm ort em s, an d t h e lik e. Bu t ti m e
u sed in th e passage. after ti m e I saw t h at th ese pai n st ak -
471. Robu st i n g efforts led t o n o real ch an ge. Th e
reason : Th ose m an agers were t h in k -
(1) Stu rdy (2) rogu ish
in g abou t fail u re th e wr on g way.
(3) roastin g (4) ru stin g
(5) dazed Most execu ti ves I’ve t alk ed t o b e-
li eve th at fail u re is bad (of cou r se!).
472. Em ergen ce
Th ey also believe th at lear n in g from it
(1) transpiration
is pr etty st rai gh tforward : Ask p eop le
(2) em pire to reflect on wh at th ey d id wron g an d
(3) em placemen t ex h or t them to avoid sim ilar m istak es
(4) em path y in th e fu tu re— or, bet ter yet, assign a
(5) em in en ce team to revi ew an d wr ite a r eport on
wh at h ap pen ed an d th en d istr ibu te it
473. Col l abor at e
th rou gh ou t th e organ isation .
(1) work togeth er
Th ese wid ely h eld beliefs are m is-
(2) collect
gu id ed . Fi rst , fai l u r e i s n ot al ways
(3) collide
bad. In organ isati on al l ife it is som e-
(4) corrob orate
ti m es bad, som etim es in evitable, an d
(5) colonize
som et im es even good. Secon d , l ear n -
Di r ec t i on s (4 7 4 –4 7 5 ) : Ch oose
ing from organisation al failu res is any-
t h e wor d / gr ou p of wor d s wh i ch i s th in g bu t str ai gh tfor ward. Th e att i-
m o st o p p o si t e i n m ean i n g t o t h e tu des an d activiti es requ ir ed t o effec-
word/ grou p of word s p rin ted in bo l d ti vel y d etect an d an alyze fail u res are
as u sed in t h e passage. in sh ort su p ply in m ost com pan ies,
and the need for context-specific learn -
474. Param ou n t
i n g st r at egi es i s u n d er ap p r eciat ed .
(1) very im por tan t
Organ i sati on s n eed n ew an d b et ter
(2) less im portan t
ways to go b eyon d l esson s th at are
(3) m orally h igh
su perfi ci al (“Pr ocedu res wer en ’t fol-
(4) paran oid lowed ”) or self-servi n g (“Th e m ark et
(5) parch ed ju st wasn ’t ready for ou r great n ew
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
COMPREHENSION TEST
produ ct”). Th at m ean s j et t i son i n g old
cu ltu ral beliefs an d stereotyp ical n o-
ti on s of su ccess an d em b raci n g fai l-
u r e’s lesson s. Leader s can begin by
u n der stan di n g h ow th e bl am e gam e
gets in th e way.
T h e Bl am e Gam e
Failu re an d fau lt are vi rtu all y i n -
separable in m ost h ou seh olds, organ -
i sati on s, an d cu lt u r es. Ever y ch i l d
learns at some poin t th at admitting fail-
wh y so few organ isati on s h ave sh ift-
ed to a cu ltu re of p sych ol ogical safety
in wh ich th e reward s of l ear n in g fr om
failu re can be fu l ly real ised.
Ex ecu tives I’ve in t erviewed i n or -
gan isation s as differen t as h osp itals
an d i n vestm en t ban k s adm it to bei n g
torn : How can th ey respon d con stru c-
tively to failu r es wi th ou t gi vin g rise to
an an yth in g-goes atti tu d e? If p eop le
ar en ’t bl am ed for fail u res, wh at wi ll
en su r e t h at th ey try as h ar d as p ossi-
bl e t o d o t h eir best wor k ?
Th is con cer n i s based on a fal se
di ch ot om y . In actu ality, a cu ltu re that
m ak es it safe t o adm i t an d r eport on
failu re can— and in some organisational
contexts m u st— coexist with h igh stan -
dards for perform an ce. To u n derstan d
wh y, look at th e exh i bit “A Spectr u m
of Reason s for Fail u r e,” wh i ch l ists
cau ses ran gi n g from d elib erate devia-
tion to th ou gh tfu l experim en tation .
Wh i ch of t h ese cau ses i n vol ve
bl am ewor th y action s? Del iberat e d e-
vian ce, first on th e list, obviou sly war -
rants blame. Bu t inattention might not.
If it resu l ts from a lack of effort, per -
h aps it’s blam eworth y. Bu t if it resu lts
fr om fati gu e n ear th e en d of an ov er -
l y lon g sh i ft , t h e m an ager wh o as-
si gn ed t h e sh i ft is m ore at fau lt th an
th e em ployee. As we go down th e list,
it gets m ore an d m ore di ffi cu lt to fi n d
blam eworth y acts. In fact, a failu re re-
su l tin g from th ou gh t fu l exper im en ta-
ti on th at gen er ates valu able in form a-
ti on m ay act u al ly b e p rai seworth y.
Wh en I ask execu ti ves to con si d-
er th is spectru m an d th en t o estim ate
h ow m an y of th e fai lu r es in th ei r or -
gan i sat i on s ar e tr u l y b lam ewor t h y,
their an swers are u su ally in sin gle dig-
it s— p erh aps 2% to 5%. Bu t wh en I
ask h ow m an y are treated asb lam e-
worth y, th ey say (aft er a pau se or a
lau gh ) 70 % t o 9 0%. Th e u n fort u n ate
con sequ en ce is th at m an y fai lu r es go
u n r epor ted an d th ei r lesson s ar e lost.
-276-

A soph isticated u n derstan din g of
failu re’s cau ses an d con texts will h elp
to avoid t h e blam e gam e an d in stit u te
an effective st rat egy for l earn in g fr om
failu re. Alt h ou gh an in fin it e n u m b er
of th in gs can go wron g i n organ isa-
ti on s, m i stak es fal l i n to th ree broad
categories: p reven table, com pl ex it y-
rel ated, an d in telligen t.
4 7 6 . Wh ich of th e followin g statem en t
(s) i s/ ar e t ru e in th e con text of
th e given p assage ?
I . Most execu ti ves bel ieve t h at fai l-
u r e i s bad an d lear n in g from it is
pr ett y strai gh t for war d.
II . Th e wisdom of l ear n in g fr om fai l-
u r e is di spu tabl e.
III. Delib erat e d evi an ce, first on t h e
li st of t h e exh i bit , “A Sp ect ru m of
Reason s for Fail u r e” ob viou sl y
warran ts blam e.
(1) On ly I
(2) Both I an d III
(3) Both II an d III
(4) Both I an d II
(5) Al l t h ree I, II an d III
47 7. Wh ich of the followin g statem en ts
is n ot tr u e in th e con tex t of t h e
gi ven passage ?
(1) Or gan ist i on s n eed n ew an d
better ways to go beyon d les-
son s th at are su perficial or self
ser vi n g.
(2) Leaders can begin by u n der -
stan din g h ow t h e bl am e gam e
gets in th e way.
(3) Th e writer of t h is ar ticl e h as
st u di es m an agers in th e vast
m ajority of enterprises over th e
past 30 year s.
(4) Failu r e an d fau l t are tru l y i n -
separable in m ost hou seholds,
organ isati on s an d cu ltu res.
(5) Non e of th ese
4 7 8 . As opi n ed by th e wr iter of th is
article, alth ou gh an in fin ite n u m -
ber of th in gs can go wron g i n or -
gan i sat i on s, m i st ak es fal l i n t o
th ree br oad categories. Wh at are
th ese cat egories ?
(1) Forget ab l e, p r even t ab l e an d
in telligen t
(2) Su p er fi ci al , pr even tabl e an d
complex
(3) Pr ecau ti on related , com p lex i-
ty related an d in telligen t
(4) Preven tive, com plexity-related
an d in telligen t
(5) Non e of th ese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
4 7 9 . Wh y h ave so few or gan isation s
sh ift ed t o a cu ltu r e of p sych olog-
ical safety in wh i ch th e rewar ds
of learn in g from fai l u r e can b e
fu lly reali sed ?
(1) Becau se every ch i ld does n ot
learn at som e poi n t th at ad-
m i tti n g fai lu r e m ean s t ak i n g
th e b lam e.
(2) Becau se fai lu re an d fau l t are
vi rtu all y i n sep arable in m ost
cu ltu res an d every ch ild learn s
at som e poi n t th at adm i tti n g
f a i l u r e m ea n s t a k i n g t h e
blame.
(3) Becau se cu l tu r e i s an i m por -
tan t aspect of ou r life.
(4) It i s easy for ex ecu t i ves t o
bl am e ot h er s an d save th eir
h eads.
(5) Non e of th ese
4 8 0 . Wh at in you r op in i on sh ou ld be
th e m ost app rop riat e t itl e of th is
passage ?
(1) Learn i n g from Failu r es
(2) Failu res discou rage an execu -
tive
(3) Su ccess is n ot h in g b u t wor k -
in g h ard
(4) Th e Blam e gam e
(5) Non e of th ese
Di r ect i on s (4 8 1 –4 8 3 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s
m o st si m i l ar in m ean i n g to th e word
/ grou p of word s p rin ted in bo l d as
u sed in th e passage.
4 81 . Exh ort
(1) u rge (2) discou rage
(3) exclaim (4) exhu me
(5) expect
4 8 2 . J ettison
(1) regard (2) di scard
(3) for give (4) collect
(5) ju mble
48 3. Dich otom y
(1) separation (2) diagram
(3) harm on y (4) u n iformity
(5) diaeresis
Di r ec t i on s (4 8 4 –4 8 5 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s
m o st o p p o si t e i n m ean i n g t o t h e
word/ grou p of word s p rin ted in bo l d
as u sed in t h e passage.
4 8 4 . In con trovertible
(1) in dispu table
(2) dispu table (3) sep arab le
(4) con ver tible (5) dyn amic
COMPREHENSION TEST
4 8 5 . Overly
(1) ex cessi vely (2) abu ndantly
(3) overridin g (4) m eagrely
(5) su bstan tially
Di r ec t i on s (4 8 6 –4 9 5 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bol d to h elp you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(I BPS Ban k PO/ M T CWE-I V,
18 .1 0.2 01 4)
Th e past qu ar ter of a cen tu ry h as
seen several bu rsts of selli n g b y t h e
world ’s govern m en t s, m ostly bu t n ot
al ways in ben i gn m ark et con dit ion s.
Th ose in th e OECD, a r ich -cou n t ry
cl u b, divest ed plen ty of stu ff i n t h e
20 years before th e global finan cial cri-
sis. Th e first privatisation wave, wh ich
b u i l t u p fr om t h e m i d - 1 9 8 0 s an d
peak ed i n 2 000 , was l argely Eu rop e-
an . Th e dr ive to cu t stat e in terven ti on
u n der M argaret Th atch er in Br itain
soon sp r ead t o t h e con t i n en t . Th e
m ovem en t gat h er ed p ace after 199 1,
wh en east ern Eu rop e p u t t h ou san ds
of r u st i n g st at e- own ed en t er p r i ses
(SOEs) on th e b lock . A secon d wave
cam e in t h e m id -200 0s, as Eu r opean
econ om ies sou gh t to cash in on buoy -
an t m ark et s.
Bu t activity in OECD cou n tri es
sl owed sh ar ply as th e fi n an cial crisis
began . In fact , i t rever sed . B ail -ou ts
of faili n g ban k s an d com pan ies h ave
con tr ibu t ed to a dr am atic in crease in
gover n m en t pu rch ases of cor p or at e
equ it y d u rin g t h e past five years. A
m ore last in g featu r e i s t h e expan si on
of th e stat e capi talism p ractised by
Ch in a an d ot h er em ergin g econ om ic
powers. Gover n m en t s h ave actu al ly
bou ght more equ ity th an they have sold
i n m ost year s si n ce 2 0 0 7 , t h ou gh
sales far exceeded pu rch ases in 2013.
Today pri vat isation i s on ce again
“ali ve an d well”, says Wil liam Meggin -
son of t h e Mi ch ael Pr i ce Coll ege of
Bu sin ess at th e Un i ver sit y of Ok lah o-
m a. Accordi n g to a gl obal t all y h e r e-
cen tly com pleted, 2 012 was th e th ird-
best year ever, an d p rel im in ary evi-
den ce su ggests th at 2 013 m ay h ave
been bet ter. H owever, th e geograp h y
of sell-offs h as ch an ged, wi th em er g-
in g m ark ets n ow to th e fore. Ch in a,
for i n st an ce, h as been sell in g m i n or i-
t y st ak es in ban k i n g, en ergy, en gi -
n eeri n g an d b road casti n g; Br azil i s
-277-

selli n g air por ts to h elp fi n an ce a $ 20
bi lli on in vest m en t pr ogr am m e. Elev-
en of t h e 2 0 l ar gest IPOs b et ween
20 05 an d 20 13 were sales of m i n or i-
ty st ak es b y SOEs, m ostl y i n d evel-
op in g cou n tri es. B y con trast, stat e-
own ed asset s are n ow “th e forgott en
side of the balan ce-sh eet” in m an y ad-
van ced econ om ies, says Dag Detter,
m an agin g part n er of Wh etston e Solu -
ti on s, an advi ser to govern m en ts on
asset restru ctu rin g.
Th ey sh ou ldn ’t be. Govern m en ts
of OECD cou n tri es sti ll over see vast
pi les of asset s, from ban k s an d u til i-
ti es to bu i ldi n gs, lan d an d th e r ich es
ben eath (see table). Sel lin g som e of
th ese h ol din gs cou l d work won der s:
redu ce deb t, fi n an ce in frastr u ctu r e,
boost econ om ic efficiency. Bu t govern -
m en ts often b ar ely gr asp t h e valu e
lock ed u p in th em .
Th e p ict u re is clearest for com -
pan ies or com pan y-lik e en tit ies h eld
by cen tr al govern m en t s. Accordi n g to
dat a com pil ed b y th e OECD an d p u b-
li sh ed on it s website, i ts 3 4 m em b er
cou n tries h ad 2,111 fu lly or m ajor ity-
own ed SOEs, wi th 5 .9m em ployees,
at th e en d of 2 012. Th eir com bin ed
valu e (allowin g for som e bu t n ot all
pen si on -fu n d l iab ilit ies) i s esti m at ed
at $2 .2 tril lion , rou gh l y t h e sam e si ze
as t h e gl ob al h edge-fu n d in d u str y.
Most are in n etwor k i n du str ies su ch
as t elecom s, electricit y an d tran sp ort.
I n ad d i t i on , m an y cou n t r i es h ave
large m i n or ity st ak es in li sted firm s.
Th ose in wh ich th ey h old a stak e of
between 1 0% an d 50% h ave a com -
bin ed mark et valu e of $890 billion an d
em ploy 2 .9m peopl e.
Th e data are far from perfect. Th e
qu ali ty of rep ort in g var ies wi del y, as
d o d efi n it i on s of wh at cou n t s as a
st ate-own ed com pan y: m ost in clu de
on ly cen tral -gover n m en t h old in gs. If
al l assets h el d at su b-n ati on al l evel,
su ch as local water com p an i es, were
inclu ded, th e total valu e cou ld be m ore
th an $4 t ril lion , r eck on s Han s Ch ri s-
ti an sen , an OECD econ om ist.
M or eover, h i s t eam h as h ad t o
extrapolate becau se some OECD mem-
bers, in clu d in g Am erica an d J apan ,
pr ovi de pat ch y dat a. Am erica i s ap-
par en tly so qu easy ab ou t di scu ssi on s
of pu blic own ersh ip of com m ercial as-
sets th at th e Treasu r y t ak es n o part
in th e OECD’s work i n g grou p on t h e
issu e, even th ou gh it h as vast h ol d-
in gs, from Am tr ak an d th e 520 ,00 0-
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
em ployee Postal Ser vice to power gen -
erators an d airports. Th e clu b’s efforts
to calcu late th e valu e t h at SOEs add
to, or su btr act fr om , econ om ies were
aban don ed after several cou n tries, in -
cl u di n g Am er ica, r efu sed to co-oper -
at e.
Privatisation h as begu n pick ing u p
again recen tly in th e OECD for a var i-
ety of reason s. Brit ain ’s Con ser vative-
led coalition is focu sed on (som e wou ld
say obsessed wi th ) redu cin g th e pu b-
lic debt-t o-GDP ratio. Havin g recen tly
sold th e Royal Mai l t h rou gh a p u bl ic
offer in g, it is h opin g to of fl oad oth er
asset s, in cl u di n g its st ak e in UREN-
CO, a u r an iu m en ri ch er, an d its st u -
den t-loan portfolio. From J anu ary 8th ,
u n der a n ew Treasu ry sch em e, m em -
ber s of th e pu bli c an d bu sin esses will
be allowed to bu y government land and
bu ildi n gs on t h e open m ark et. A web-
si te wil l sh ort ly be set u p to h el p p o-
ten ti al bu yers see wh ich bit s of t h e
govern m en t’s £ 3 37 b i ll i on -wort h of
h oldin gs ($52 7 b illi on at today’s rat e,
accou n t i n g for 40 % of d evelop ab l e
sites rou n d Britain ) m igh t b e su rplu s.
Th e govern m en t, said th e ch i ef trea-
su r y secr et ar y , D an n y Al ex an d er,
“sh ou ld n ot act as som e k in d of com -
pu lsi ve h oar der ”.
J apan h as di ffer en t r eason s t o
r ev i v e sell-offs, su ch as to fi n an ce re-
con st r u ct i on aft er i t s d evast at i n g
earth qu ak e an d tsu n am i in 2011. Eyes
ar e on ce again tu rn in g to J apan Post,
a giant postal-to-finan cial-services con-
gl om erate wh ose oft -postp on ed par -
ti al sal e cou l d at last h ap pen in 20 15
an d r aise {Yen } 4 tril lion ($40 bil lion )
or m ore. Au stralia wan ts to sell fi n an -
ci al, postal an d aviat ion asset s to off-
set t h e fal l i n r even u es cau sed b y t h e
com m od ities slowdown .
In al m ost al l t h e cou n tri es of Eu -
rope, privatisation is lik ely “to su rprise
on th e u pside” as long as m ark ets con -
ti n u e to m en d, reck on s Mr Meggi n -
son . Mr Ch r ist ian sen exp ect s t o see
th ree m ain ar eas of activity in com i n g
years. First will be th e resu m pti on of
parti al sell -offs in in d u st ries su ch as
telecoms, transport and u tilities. Man y
r esid u al st ak es in p art ly pr ivati sed
fi r m s cou l d b e sol d d own fu r t h er.
Fr an ce, for in st an ce, sti ll h as h efty
st ak es in GD F SUEZ, Ren au l t, Th al es
a n d O r an ge. T h e go v er n m en t o f
Fran çois Hollan de m ay be ideological-
ly op posed to pri vati sat ion , b u t it is
COMPREHENSION TEST
h opin g to redu ce in du stri al stak es to
raise fu n ds for l ivel ier sectors, su ch
as br oadb an d an d h ealt h .
Th e secon d area of growth sh ou ld
be in eastern Eu rope, wh ere h u ndreds
of large fir m s, in clu d in g m an u factu r -
ers, rem ain in state h an ds. Polan d will
sell down it s stak es in listed fir m s to
m ak e u p for an exp ect ed redu cti on in
EU str u ctu ral fu n ds. An d t h e t h i rd
ar ea is t h e rep rivatisati on of fin an ci al
in stitu tion s rescu ed du rin g th e crisis.
Th is process is u n der way: t h e lar g-
est p rivatisati on i n 2 012 was th e $ 18
bi lli on offeri n g of Am er ica’s residu al
st ak e in AIG, an i n su ran ce com pan y.
48 6. Wh ich of the followin g statem en ts
is n o t t ru e in th e con text of t h e
gi ven passage ?
(1) Th e fi r st p r i vat i sat i on way
wh ich bu ilt u p fr om th e m i d-
19 80s was largely Eu ropean .
(2) Gover n m en t s h ave act u al l y
bou gh t m ore equ i ty th an th ey
h ave sol d i n m ost years sin ce
2 0 0 7 , t h ou gh sal es far ex -
ceeded p u rch ases in 201 3.
(3) Tod ay p r i vat i sat i on i s on ce
again ‘alive an d well’, says Dag
D ett er.
(4) Brazil is sellin g airports to help
fi n an ce a $ 20 bil lion in vest-
m en t program m e.
(5) Non e of th ese
4 8 7 . Wh ich of th e followin g statem en t
(s) is/ are tru e in regard to th e data
com pi led by th e OECD ?
I . Th e 3 4 m em b er cou n tri es of
OECD h ad 21 11 fu ll y or m a-
jorit y own ed stat e-own ed en -
terpr ises (SOEs)
II . In th ese SOEs th ere wer e 5 .9
m i lli on em p loyees at th e en d
of 201 2.
III. Th e com bi n ed valu e of th ese
SOEs i s est i m at ed at $ 2 .2
tr illi on , rou gh ly th e sam e si ze
as th e glob al h ed ge-fu n d i n -
du st ry.
(1) On l y II
(2) Both II an d III
(3) Both I an d II
(4) Both I an d III
(5) Al l t h ree I, II an d III
4 8 8 . Pr ivat isation h as b egu n pi ck i n g
u p again recen tly in th e OECD for
a var iety of reason s. Wh i ch of t h e
following statements does not su p-
port t h e above m en t ion ed view ?
-278-

(1) Br itain ’s con servative-led co-
al iti on i s focu sed on red u ci n g
th e p u bl ic debt to GD P r ati o.
(2) Br itain is to off-load oth er as-
sets su ch as it s stak e in URE-
NCO, u ran iu m en ri ch er an d
its stu den t-loan por tfolio.
(3) A web sit e will sh ortl y b e set
to h elp pot en t ial bu yer s.
(4) U n d er a n ew T r ea s u r y
sch em e, m em b ers of th e pu b-
li c an d b u si n esses wi ll b e al-
lowed to bu y govern m en t lan d
and bu ildings on the open mar -
k et .
(5) Non e of t h ese.
4 8 9 . Wh i ch of t h e fol l ow i n g
st atem en t (s) i s/ ar e t r u e i n t h e
con text of t h e given arti cle ?
(1) J apan h as t o revive sell -offs
su ch as to fin an ce recon stru c-
ti on after t su n am i in 201 1.
(2) Ch in a has been selling m in or -
it y stak es i n b an k in g, en ergy,
engin eering and broadcastin g.
(3) A secon d-wave of privatisation
cam e i n t h e m i d - 2 0 0 0 s i n
OECD , as Eu r op ean econ o-
m i es sou gh t to cash on bu oy-
an t m ark et s.
(4) Au str al ia i s to sel l fi n an cial
postal an d aviation assets to
off set t h e fal l i n r even u es
cau sed b y t h e com m od i t i es
sl ow down
(5) Al l are cor rect.
4 9 0 . Wh at sh ou ld be th e m ost app ro-
pr iat e t itl e of th e p assage ?
(1) D awn of Re-p r i vat i sat i on i n
OECD
(2) Gl oom y Face of Wor ld Econ o-
my
(3) Gr owin g Econ om y of Ch i n a
(4) Global Econ om ic slowdown
(5) Non e of th ese
4 9 1 . In almost all th e cou n tries of Eu -
rope, pr ivatisation i s t o su rp rise.
As ex pected by Mr. Ch ristian sen ,
Wh ich of th e followin g i s/ are to
be th e m ain areas of activity ?
I . Resu m ption of partial sell-offs
in indu stries su ch as telecom s,
tran sp ort an d u til ities.
II . T h e o t h er a r ea o f gr o w t h
sh ou l d be in eastern Eu rope
III. Th e oth er ar ea is th e rep riva-
tisation of finan cial institu tions
rescu ed du r in g th e cr isi s.
(1) Both I an d II
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(2) Both II an d III
(3) On ly I
(4) On ly III
(5) Al l t h ree I, II an d III
Di r ect i on s (4 9 2 –4 9 3 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s
m o st si m i l ar in m ean i n g to th e word
/ grou p of word s p rin ted in bo l d as
u sed in th e passage.
492 . Bu oyant
(1) in creasin g (2) floatin g
(3) sin k in g (4) bu zzing
(5) er rati c
4 9 3 . Revive
(1) revi ew (2) mak e
(3) start again (4) revile
(5) rewin d
Di r ect i on s (4 9 4 –4 9 5 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s
m o st o p p o si t e i n m ean i n g t o t h e
word/ grou p of word s p rin ted in bo l d
as u sed in t h e passage.
49 4. Ben ign
(1) k ind (2) gen tle
(3) m alevolen t (4) m ak eover
(5) bequ eath ed
4 9 5 . Offl oad
(1) get r id of (2) online
(3) offeri n g (4) con serve
(5) d eser ve
Di r ec t i on s (4 9 6 –5 0 5 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bold to h elp you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(SI DBI Ban k Of f i c er Ex am ,
03 .0 9.2 01 4)
No l ead er i s p er fect . Th e b est
on es d on ’t tr y to be. Th ey con cen trate
on h on in g t h eir st r en gt h s an d fin d
oth ers wh o can m ak e u p for th eir l im -
it ati on s. We expect l ot of ou r leaders
wi ll be Top execu t ives, th e th i n k i n g
goes, sh ou l d h ave th e in tel lectu al ca-
pacity to m ak e sense of u n fat h om abl y
com plex issu es, th e im agin at ive pow-
er s t o pain t a vision of th e fu tu re th at
gen erates ever yon e’s en th u siasm , t h e
op er at i on al k n ow-h ow t o t r an sl at e
st rat egy in t o con cr ete pl an s, an d t h e
in t erper son al sk i lls t o fost er com m it-
m en t to u n dertak in gs th at cou ld cost
peopl e’s jobs sh ou ld th ey fail . Un for -
tu n at ely, n o si n gle person can p ossi-
bl y li ve u p to t h ose stan d ard s.
It ’s tim e t o en d t h e m yt h of t h e
com pl ete leader : t h e flawless p erson
COMPREHENSION TEST
at th e top wh o’s got i t all figu red ou t.
In fact, th e soon er l ead ers stop t ryi n g
to be all th in gs t o al l p eop le, th e bet-
ter off th ei r organ isati on s wil l b e. In
today’s worl d, th e execu t ive’s j ob is
n o lon ger to comm an d an d con trol bu t
to cu ltivate an d coordin ate th e action s
of ot h ers at al l l evel s of t h e organ isa-
ti on . On ly wh en leaders com e t o see
th em selves as i n com plete–as h avi n g
both stren gth s and weak n esses - – will
th ey be able to m ak e u p for th eir miss-
in g sk ill s by r el y i n g on ot h er s.
Corporat ion s h ave been b ecom -
in g less h ierarch ical an d m ore coll ab-
or ati ve for decades, of cou rse, as gl o-
balisation an d th e growing im portance
of k n owledge wor k h ave requ ired th at
respon sibility an d in itiative be distrib-
u t ed m ore wi del y. M oreover, it i s n ow
possi ble for l arge gr ou p s of p eop le to
coord in at e t h ei r action s, n ot ju st by
br in gin g lot s of in for m at ion to a few
cen tr alized places bu t al so by b rin g-
in g l ots of in form ation t o l ots of plac-
es t h r ou gh ever -gr owi n g n et wor k s
with in an d beyon d th e firm . Th e sh eer
complexity an d am bigu ity of problem s
is h um bl i n g. More an d m ore decision s
are m ade i n th e con text of global m ar -
k et s an d rapidl y – som etim es radical-
ly – ch an gin g fin an cial, social , polit i-
cal, tech n ol ogi cal an d en vir on m en t al
forces. Stak eh olders su ch as activi-
t i es, r egu l at or s, an d em p loyees al l
h ave cl aim s on organ i sati on .
No on e person cou ld possibly stay
on top of everyth in g. Bu t th e m yth of
the com plete leader (an d th e atten dan t
fear of app earin g in com peten t) m ak es
m an y execu ti ves tr y t o d o ju st th at,
exh au stin g th em selves an d dam agin g
th eir organ isation s in th e process .Th e
in com plete leader, by con trast, k n ows
wh en to l et go: wh en t o l et th ose wh o
k n ow th e local m ar k et do th e adver -
tisin g plan or wh en to let th e en gin eer -
in g t eam ru n with its id ea of wh at t h e
cu stom er n eeds. Th e in com plete lead-
er al so k n ows t h at leadersh i p exists
th rou gh ou t th e organ isation al h ierar -
ch y – wh en ever exp ert ise, vi sion n ew
id eas, an d com m itm en t ar e fou n d.
We’ve work ed wi th h u n dreds of
peopl e wh o h ave st ru ggled u n der t h e
weigh t of th e m yth of th e com p lete
leader. Over th e p ast si x years, ou r
work at th e MIT leadersh ip Cen tre h as
in clu ded stu dyin g leadersh ip in m an y
or gan isation s an d teach i n g t h e top ic
to sen ior execu tives, m i ddl e m an ag-
er s, an d MB A stu den ts .In ou r prac-
-279-

ti ce – b ased p rogr am s, we h ave an a-
lyzed n u m erou s accou n t s of or gan i-
sation al ch an ge an d watch ed leaders
st ru ggle to m el d t op down strategic
in itiatives with vib ran t i deas fr om t h e
rest of th e or gan isation .
Al l t h is wor k h as l ed u s to d evel-
op a m od el d i st r i b u ted l ead er sh i p .
This fram e work wh ich syn th esizes ou r
own resear ch wit h th e ideas from oth -
er leader sh i p sch ol ars, views leader -
sh i p as a set of fou r capabilit ies sen se
m ak in g (u n derstan d in g th e con text in
wh ich a com p an y an d it s p eopl e op-
er at e),
Relatin g (bu ild in g r el ati on sh i ps
wi th i n an d across organ isati on s), vi-
sion i n g (creat in g a com p ellin g pi ctu re
of fu tu r e),an d in ven ti n g (devel opi n g
n ew ways to ach ieve t h e vision ).
While some what sim plified, th ese
capab ili ties span th e in tel lectu al an d
in ter per son al, th e ration al an d i n tu i-
ti ve, an d th e con ceptu al an d creati ve
capacities requ ired in today’s bu sin ess
environ m en t. Rarely, if ever, will some-
on e b e equ ally sk illed i n all fou r d o-
m ain s. Th u s, in com plete lead ers di f-
fer from in com p eten t leaders in th at
th ey u n d erst an d wh at th ey’re good at
an d wh at th ey’r e n ot an d h ave good
ju dgm en t ab ou t h ow th ey can work
with oth ers to bu ild on th eir stren gth s
an d offset th ei r l im i tat ion s.
Som eti m es, l eaders n eed to fu r -
th er develop t h e capabil iti es th ey are
weak est in . Th e ex h ib its th rou gh ou t
th is arti cle pr ovid e som e su ggestion s
for wh en an d h ow to do th at. Oth er
times, however, it’s more im portan t for
leaders to fin d an d work wit h oth ers
to com pen sate for th eir weak n esses.
Team s an d organ isation s – n ot ju st in -
di vid u als – can u se th is fram ework to
di agn ose th ei r str en gth s an d weak -
n esses an d fin d ways t o b alan ce th eir
sk ill set s.
4 9 6 . As m en tion ed in th e p assage, a
lot of qu ali ties ar e expected fr om
ou r l eaders. Wh ich of th e follow-
ing statemen t(s) is/ are tru e in this
con text ?
(1) Leaders sh ou ld h ave th e i n -
t el l ect u al cap aci t y t o m ak e
sen se of com plex issu es.
(2) Lead er s sh ou l d h ave op era-
ti on al k n ow-h ow t o t ran slate
st rat egy in to con cret e p lan s.
(3) Leaders sh ou ld have th e im ag-
in ati ve powers to pai n t a vi-
si on of th e fu tu r e.
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H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(4) Leaders sh ou ld h ave in terper -
son al sk i lls to foster com m i t-
m en t.
(5) Al l ar e tr u e
49 7. Wh ich of the followin g statem en ts
is n ot tr u e in th e con tex t of t h e
gi ven passage ?
(1) No leader is per fect.
(2) Cor p orat ion s h ave b een be-
com in g m ore h ierarch i cal an d
less collaborati ve for decad es.
(3) In t od ay’s worl d, th e ex ecu -
ti ve’s job i s n o lon ger to com -
m an d an d con trol.
(4) Th e research ers work ed at th e
MIT leadersh ip cen tre over th e
past six year s.
(5) Non e of th ese
4 9 8 . Wh at sh ou ld be th e m ost app ro-
pr iat e ti tle of th e given passage
as you op in e ?
(1) How t o defin e a good l ead er
(2) An in com plet e leader
(3) Ch all en ges before a l ead er
(4) Role of a ch ief execu ti ve
(5) Non e of th ese
4 9 9 . Som e opi n ion s h ave b een m ade
ab ou t an in com pl ete leader th at
serves th e organ isati on s affirm a-
t i vel y . Wh i ch of t h e fol l ow i n g
st at em en t(s) i s/ ar e tr u e i n th is
regard ?
I . An incomplete leader k nows when
to let go; wh en to let t h ose wh o
k n ow th e local m ar k et do th e ad-
ver tisin g pl an .
II . An incomplete leader k nows when
to let th e en gin eer in g team r u n
wi th its idea of wh at th e cu stom -
er n eed s.
III. An in com p let e leader also k n ows
th at leadersh ip exists th rou gh ou t
th e organ isation al h ierarch y.
(1) On ly I
(2) Both I an d II
(3) Both II an d III
(4) Both III an d I
(5) Al l I, II an d III
5 0 0 . Th e r esear ch er s wi t h t h e i dea
fr om ot h er l ead ersh i p sch olar s
vi ew leader sh i p as a set of fou r
capab ilit ies. Wh ich of th e follow-
i n g alt er n ati ves m en t ion s t h em
correctl y?
(1) sen se m ak ing, relatin g; vision -
in g an d i n ven t in g
(2) sen se m ak in g; disciplin ing; vi-
sion in g an d in ven tin g
COMPREHENSION TEST
(3) sen se m ak in g, u n relat in g; vi-
sion in g an d in ven tin g
(4) decision m ak in g; u n r elatin g;
vision in g an d in ven tin g
(5) Non e of th ese
Di r ect i on s (5 0 1 –5 0 3 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s
m o st si m i l ar in m ean i n g to th e word
/ grou p of word s p rin ted in bo l d as
u sed in th e passage.
5 01 . MELD
(1) blen d (2) mend
(3) mellow (4) m en ace
(5) m esh
5 02 . UNFATH OM ABLY
(1) u nderstandably
(2) u ncompreh ensibly
(3) u n fortu n ately
(4) m erely
(5) u nfavou rably
5 0 3 . RELYI NG
(1) tru stin g (2) n eeded
(3) remain in g (4) relievin g
(5) relocatin g
Di r ec t i on s (5 0 4 –5 0 5 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s
m o st o p p o si t e i n m ean i n g t o t h e
word/ grou p of word s p rin ted in bo l d
as u sed in t h e passage.
504 . HUMBLE
(1) m ak e weak er
(2) defeat (3) su bside
(4) stren gth en (5) fou n der
50 5. FOSTER
(1) en cou rage (2) prom ote
(3) fou l (4) focu s
(5) discou rage
Di r ec t i on s (5 0 6 –5 2 0 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bold to help you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(Ban k of Bar od a J un i or M an agem en t
Gr ad e/ Scal e-I Ex am , 18 .0 4.2 01 5)
In gen eral, befor e t h e fi n an cial
crisis of 2008, the fin an cial sector th e
world over h ad been st ead ily lib eral-
isin g. Li m i t s on foreign own ersh ip of
ban k s an d on th e k i n ds of tran sac-
tion s th ey were able to en gage in were
bein g lifted . Rich cou n tr ies wer e d e-
regu l ati n g fast er th an oth er s. Ban k s
wer e gi ven gr eat er l eeway on h ow
m u ch capi tal th ey sh ou ld h ol d an d
h ow m u ch risk t h ey sh ou ld tak e on .
B u t b an k s t h e wor l d over, d i d n ot
-280-

m ain t ain adequ ate capi tal cu sh ion s
an d b alan ce sh eets sh owed in flat ed
p r ofi t s. In 1 9 9 9 , Am er i ca al so r e-
p eal ed t h e Gl a ss St aegal l Act - a
193 0s Dep ression era law separat in g
in vestm en t an d com m ercial ban k in g-
with ou t both erin g abou t th e th reat to
th e econ om y. ‘Restr ict ion s are a si gn
of back ward n ess’- Bu t th e r esu lti n g
cr isi s of 20 08 pu t an en d to th i s b e-
lief. Ban k in g su pervisors in m any de-
velopin g cou n tries said th at tigh t reg-
u lation s saved th em from gettin g in to
tr ou b le. Un der th e ol d r u les su per -
vi sor s were sim ply referees tryi n g to
en su re th at th e gam e was played fair -
l y. Now r egu l at or s h ave gon e fr om
sayin g ‘t ell m e th at all you r paym en t
sy st em s w or k t o sayi n g ‘sh ow m e
h ow you r p aym en t syst em s wor k ’.
Regu l ators are n ow t en t at i v el y step-
pi n g over a lon g stan din g di vid e b e-
tween en forcin g basic ru les an d play-
in g a part in bu sin ess decision s. Th is
sh ift is particu larly m ark ed in Britain
wh ich on ce ch am pion ed ‘li gh t tou ch
regu lation ’. Th i s pre-crisis beh aviou r
i s b ei n g cr i t i ci sed as su r r en d er t o
ban k s or as a self servicin g device for
attractin g fin an cial activity to Britain .
In t r u t h i t was n ei t h er. It was t h e
si m pl e belief t h at m ar k et s are b ett er
than govern ments at allocating servic-
es. In Am eri ca, too, regu lat ors were
relu ctan t to su ppr ess in n ovation b e-
cau se th ey felt th at “th e self in t erest
of len din g in stitu tion s will be en ou gh
to en su r e th ey did n ot all l eap fr om
th e same tall bu ilding.”
In rich cou n tries, en th u siasm for
pr escrip tive su per vision depen ds on
t h e d egree of h ar m su ffer ed d u r in g
t h e b an k i n g cr i sis or t o t h e t h r eat
from th e fai l i n g ban k s to brin g down
th eir gover n m en ts wit h t h em . B u t it
is n ot easy to stop b an k s from m ak -
in g b ad d eci sion s. In th e past, regu -
lator s l eft it to th e m ark et to ju d ge
th e h eal th of t h e ban k s. Bu t cl ever,
wel l -p ai d an al yst s fai led t o see th e
cr isis com in g. Now cen tr al b an k ers
ar e expected to do a bet ter job . On e
problem is th at the ru les and th e laws
ar e writt en wit h th e b en efit of h in d-
si gh t . Th e good id eas th at m ay h ave
preven ted t h e l ast crisis h owever can
m ak e r egu l ator s d an ger ou sly over -
con fiden t ab ou t bein g abl e to pred ict
an d preven t th e n ext on e. Also, if reg-
u l ators u n derwr ite cer tai n strat egi es
t h at seem safe su ch as l en d i n g t o
sm all bu sin esses, t h ey m ay en cou r -
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
age b an k s to cr ow d i n to th ose lin es
of bu siness. If en ou gh ban k s pile in to
t h ese m ar k et s, d own t u r n s i n th em
can affect n ot ju st a few b an k s b u t
th e wh ole system . On th e oth er h an d
pr escrip tive su per vision can st ifl e fi-
nancial innovation an d squ eeze all ap-
petite for risk ou t of th e ban k in g sys-
tem . In J apan , a b an k in g cri sis th at
st ar ted m ore t h an t wo d ecad es ago
st ill lin ger s on , i n p art becau se t h e
cou n t ry’s ban k ers h ave becom e gu n
sh y an d l en d t o b u y gover n m en t
b on d s r at h er t h an l en d m on ey or
m ak e foreign investm en ts. Regu lators
are doin g al l th ey can to strik e a b al-
an ce an d m iti gate th ese risk s.
506. Ch oose t h e word wh ich is m ost
n earl y t h e SAME in m ean i n g to
th e word LAST given in bold as
u sed in th e passage.
(1) final
(2) con tinu e
(3) fir st
(4) recen t
(5) su bsequ en t
507. Which of th e followin g is th e cen -
tr al idea of t h e passage?
(1) Regu lators are lazy an d sh irk
their du ty of protectin g fin an -
ci al system s.
(2) Ban k s sh ou ld go back to tra-
ditional bank ing and abandon
risk ier option s.
(3) Ban k s in developed cou ntries
h ave d est r oyed d evel op i n g
econ om ies.
(4) Today th e task of fin an ci al
regu lat ion is t rick y.
(5) Fin an ci al system s h ave b een
dam aged beyon d repai r.
508. Ch oose t h e word wh ich is m ost
n earl y t h e SAME in m ean i n g to
th e word CROWD given in bold
as u sed in t h e passage.
(1) m u ltitu de (2 ) flock
(3 ) p ar ty (4 ) cr ew
(5) n ot
509. Wh ich of th e followin g is/ are th e
possible im pact(s) of prescriptive
su pervision ?
(A) Gover n m en ts are li k el y to col-
lapse as people ar e opposed to
su ch m easu res.
(B) Man y execu tives are lik el y to ex-
pl oit th e system .
(C) Th ese m easu res cou ld u n i n ten -
tion ally p rolon g a cri sis.
(1 ) On ly C
COMPREHENSION TEST
(2 ) On ly B an d C
(3 ) On ly A an d B
(4 ) Al l A, B an d C
(4 ) On ly B
510. Wh at is th e au th or’s view of cen -
tral ban k s’presen t efforts at reg-
u lation?
(1) Th ese ar e u n n ecessar y an d
h arm fu l t o b an k s.
(2) Th ese ar e fau l ty as th ey en -
cou r age risk y fin an cial i n n o-
vation s.
(3) To su cceed th ese sh ou ld be
co- or d i n at ed an d u n i for m
across cou n t ries.
(4) Th e m easu res t h ey p rescr ibe
h ave n o l oop h oles.
(5) Th ey h ave d on e th eir best to
effect ively regu lat e.
511. Wh ich of th e fol lowi n g can be
said abou t ‘light tou ch regu lation’
ad opted by Br itai n ?
(a) It gave B rit ain ’s fin an cial i n -
st itu tion s very li ttl e au ton o-
m y.
(2) It forced b an k s t o i n vest in
gover n m en t b on d s.
(3) It resu l ted in ban k s h oldi n g
too m u ch capit al.
(4) It en cou raged fin an cial activ-
it y i n t h e cou n tr y.
(5) It st ifled b an k s’ app etit e for
risk .
512. Ch oose t h e word wh ich is m ost
n earl y t h e SAME in m ean i n g to
th e word LI M I T S given in bo l d
as u sed in t h e passage.
(1 ) caps (2 ) ri m s
(3 ) fram es (4 ) fron tiers
(5 ) sk ir ts
513. Wh ich of th e followin g is TRUE
in th e con text of th e passage?
(1) Th e fin an ci al cri sis of 20 08
d i d n ot i m p act d evel op i n g
cou n t ries.
(2) Mark ets can easily regu late
th em sel ves.
(3) Developin g economies sh ou ld
n ot allow foreign in vestm en t
at presen t,
(4) Aft er t h e cr i si s, Am er i ca’s
cen t r al b an k h as i m p osed
u n n ecessary regu lati on s.
(5) Non e of th e given statem en ts
is tr u e in th e con tex t of t h e
p assage.
514. Wh y h as th e au thor cited th e ref-
er en ce of r ep eal i n g t h e Gass-
Steagall Act?
-281-

(1) To in dicate th at regu lation s
were relaxed wi th ou t appr e-
ci at i n g t h e i m p act on t h e
econ om y.
(2) To cr iti cise th e b ack war d r e-
str iction s th at r ich cou n tr ies
im posed on developing cou n -
tr ies.
(3) To sh ow t h at th e econ om y
h ad n ot p r ogr essed m u ch
si n ce th e Depression .
(4) To illu strate t h at on ly Am eri-
ca cou ld foresee th e fin an cial
cri sis.
(5) To in d icat e th e sou n dn ess of
Am er ica’s fi n an ci al syst em
pr ior to dep ression .
515. Wh ich of th e followin g d ifficu l-
t i es i s faced b y r egu l at or s at
p resen t ?
(1) Ban k s lack t h e exp erti se to
com ply wi th n orm s.
(2) Trem en dou s com petition be-
t w een l o c a l a n d f o r ei gn
ban k s.
(3) St rik in g a balan ce between
p r ot ect i n g an d st i fl i n g t h e
econ om y.
(4) Un willin gn ess of govern m en t
to bai l ou t faili n g ban k s.
(5) Lack of adequ at e m an p ower.
516. Which of th e followin g approach -
es was ad opt ed b y t h e fin an ci al
sector of ri ch wor ld econ om i es
pr ior to th e cr isi s?
(1) Ban k s strictly adh ere t o ou t-
dated laws.
(2) Ban k s m ain t ain ed ver y large
capit al cu sh i on s.
(3) Th ey w er e i n n ovat i ve an d
took a l ot of r isk s.
(4) Th ey wi t h d r ew i n vest m en t
from tradition al ban k in g.
(5) Not clearly m en ti on ed i n t h e
p assage.
517. Ch oose t h e word wh ich is m ost
n earl y t h e OPPOSITE in m ean -
in g t o th e word T ENT AT I VELY
given i n bol d as u sed i n th e pas-
sage.
(1) certain ly (2) perman en t
(3) term ly (4) sligh tly
(5) tenu ou sly
518. Wh ich of th e followin g is/ are th e
con sequ en ce(s) of t h e cr isi s of
2008?
(A) Ban k s h ave becom e overcon fi-
den t in t h eir abilit ies to regu l ate
th em sel ves.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(B) Regu lator s h ave in creased vigi-
lan ce of fin an cial system s.
(C) Econ om ies are carefu l abou t for -
eign in vestm en t.
(1 ) On ly A
(2 ) On ly B an d C
(3 ) On ly A an d B
(4 ) Al l A, B an d C
(5 ) On ly A an d C
519. Ch oose t h e word wh ich is m ost
n earl y t h e OPPOSITE in m ean -
in g t o th e word FAI LI NG given
in bo l d as u sed in t h e passage.
(1) in creasin g (2) passin g
(3 ) su ccessfu l (4) depletin g
(5) importan t
520. Wh at does t h e au t h or wan t to
con vey th rou gh th e ph rase ‘Un -
d er t h e old ru l es, su p ervi sor s
wer e si m p ly referees t r yi n g t o
en su re th at th e game was played
fairly’?
(1) Regu lators did n ot mak e m is-
tak es wh ile regu l atin g fin an -
ci al m ar k et s.
(2) Regu l ator s were passive an d
did n ot interven e in th e work -
in g of fin an cial organ isation s
in th e past.
(3) Regu l at or s were con cern ed
ab ou t th e h ealt h of fin an ci al
organization s.
(4) Regu l ators u sed t o cross t h e
lon e an d in ter fer e i n fin an -
ci al m ar k et s i n t h e past.
(5) Regu l at or s d evi s ed m an y
st r i ct r u l es wi t h ou t t ak i n g
in to accou n t th e n eed s of fi-
n an cial syst em s.
Di r ec t i o n s (5 2 1 –5 2 5 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer th e gi ven qu est ion s.
(NABARD Of f i cer Gr ade ‘A’ On l i n e
Ex am , 0 1. 0 3. 20 15 )
The intern ation al definition of wa-
t er str ess i s 1 ,00 0 cu b i c m etr es of
u sabl e water per person p er year. Th e
aver age n or t h er n Ch i n ese h as l ess
th an a fifth of th at am ou n t. Ch in a h as
20 percen t of t h e p opu lat ion bu t on ly
7 percen t of its fresh water. Ch in a h as
bu ilt as m an y l arge d am s as th e rest
of th e world pu t toget h er. B u t, wh i le
th e Sou t h of Ch in a is a lu sh , lak e–
filled region , th e n orth –wh ich h as h alf
th e p opu lati on an d m ost of t h e far m -
l an d i s m ore l ik e a d eser t an d t h e
sh ort age is worsen in g. In t h e 195 0s
th e cou n t ry h ad 5 0,0 00 ri vers wi th
catch m en t areas of 10 0 squ are k il o-
COMPREHENSION TEST
m etres or m ore. Today, Chin a h as only
23 ,00 0 as a resu lt of over–expl oit a-
ti on by farm s or factories. Ch in a was
h opin g for a sh ale gas revol u tion b u t
does n ot h ave en ou gh water for it since
m ost of th e gas reser ves ar e in t h e
dr iest parts of th e cou n tr y. Th e Wor ld
Ban k pu t s t h e cost of Ch in a’s wat er
problem s-m ostly dam age to h ealth – at
2.3 p ercen t of th e year’s GD P. Ch i n a
cl earl y n eeds to do som eth in g t o rem -
edy th e si tu ation in th e Nor th an d h as
in iti ated on e of th e biggest en gi n eer -
in g projects th e world h as n ever seen –
a diversion to m ove wat er alon g 2,000
m i les of wat er can als. Aside from t h e
m assi ve cost , t h e t wo rivers in volved
h ave very di ffer en t ecosyst em s an d
t ak i n g wat er fr om on e t o an ot h er
cou ld d o ir reparabl e en vi ron m en tal
h arm . Th e p art s of th e p roj ect com -
pl eted h ave al read y k ill ed m an y or -
ganism s. Su ch projects cou ld also hu rt
Ch i n a’s n ei gh b ou r s an d al l t h ese
pr ojects wou ld in cr ease t h e am ou n t
of water in Ch i n a by on l y a few per -
cen tage p oin t s.
Th e Gover n m en t wou ld do b ett er
to focu s on dem an d, r edu ci n g con -
su m pt ion of wat er i n order to m ak e
better u se of l im it ed su p pli es. Wat er
is too ch eap in m ost cit ies an d su ch
m isp ri cin g r esu lt s i n ex tr avagan ce.
In du stry recycl es too li ttl e water, ag-
ricu ltu re wastes too m u ch . High er wa-
ter p rices wou ld raise cost s for far m s
an d factories bu t wou ld be better th an
sp en d in g m i lli on s on sh i ppi n g wat er
ar ou n d t h e cou n t r y. D evel op m en t
pl an s su ch as b u il din g citi es of a m i l-
li on peop le in th e Gob i d esert sh ou ld
be rewri tten . Ch in a sh ou ld also fi n e
p ol l u t er s st i ffl y. Ch i n a’s en gi n eer s
h ave per for m ed am azin g feat s i n t h e
past bu t th e cu rren t water pr obl em
in th e North sh ou ld also in volve econ -
om ist s an d en viron m en tal regu l ators
in th e solu tion .
521. Which of th e followin g is th e cen -
tr al idea of th e st ory ?
(1) Ch in a n eeds to devote it s r e-
sou rces t o expan di n g i n fr a-
st ru ctu r e.
(2) North ern Ch in a is experien c-
in g a wat er cri sis an d su g-
gested r em edies n eed to be
reth ou gh t.
(3) Chin a’s efforts to solve its wa-
t er cr i si s ar e p r ai sewor t h y
an d are an ex am pl e t o th e
world.
-282-

(4) Th e Ch in ese gover n m en t is
ob viou s to sh arin g water r e-
sou rces wit h i ts n ei gh b ou r s.
(5) Ch in a’s pol itician s were il l-
equ ipped to h an dle the cou n -
tr y’s wat er pr obl em s wh i ch
ar e beyon d r em ed y.
522. Accordin g to th e passage, wh ich
of th e foll owi n g i s/ are th e con -
sequ en ces of t h e Ch in a’s effor ts
to rem edy it s water p robl em s ?
(A) M an y aqu at ic or gan ism s h ave
been sacrificed.
(B) Water h as b ecom e u n affor dab le
in Ch in a.
(C) The Govern m en t h as pu t on h old
i ts am b it i ou s p l an s for u r ban
h ou sing.
(1) On ly (B)
(2) On ly (C)
(3) On ly (A)
(4) All (A), (B) an d (C)
(5) On ly (A) an d (C)
523. Wh ich of th e followin g is tr u e in
th e con text of th e passage?
(1) Ch in a is over exp loi tin g i ts
water resou rces wh ich is det-
rim en tal.
(2) Ch in a is willin g to im plemen t
n ovel solu t ion s t o t h e wat er
cr isi s d esp ite u p risin gs.
(3) Ch in a h as an abu n dan ce of
fr esh water resou r ces for i ts
popu lation bu t th ese are m is-
m an aged.
(4) Th e fin an ces gen er ated fr om
sh ale gas r eserves h ave been
u sed to rem edy Ch i n a’s wa-
ter p rob lem s.
(5) Non e of th e given statem en ts
is tr u e in th e con tex t of t h e
p assage.
524. Wh ich of th e followin g i s an ap-
pr opr iat e t itl e for t h e passage?
(1) Ch in a Di vi ded : Ri ver Di s-
pu tes
(2) M i gh t y Ri ver s : A Con fl i ct
Amon g Neigh bou rs
(3) Ri ver s i n Ch in a : A Su stai n -
ab le M arvel
(4) Fr ee Water : A Necessi ty
(5) Nor th er n Ch i n a : A Fu t u r e
Dr yin g Up
525. Accord in g to th e au th or, wh at
approach sh ou ld Ch in a adopt to
h an dl e i ts wat er cri sis ?
(1) Approach neigh bou ring cou n-
tr ies to rewor k water sh ar -
in g agreem en t s.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(2) Pen alise indu stries for pollu t-
in g excessively an d pr ovi de
water to farm ers at di scou n t-
ed rates.
(3) Im plem en t a m u lti -pr on ged
ap p roach –k eep i n g i n m i n d
econ om ic an d en viron m en tal
condition s.
(4) Ad opt th e r ecom m en dation s
of th e ‘Wor ld B an k to resol ve
th e i ssu e.
(5) Ot h er t h an t h ose gi ven as
option s.
SBI PO EXAMS
Di r ect i on s (1 -1 5 ) : Read th e fol-
lowin g p assage car efu lly an d an swer
th e qu est ion s given below it . Certain
words are gi ven bo l d to h elp you to
locat e t h em wh ile an swer in g som e of
th e qu estion s.
(SBI Assoc i at e Ban k s PO
Ex am . 1 4. 0 2. 19 99 )
Man agem en t i s a set of process-
es th at can k eep a com pl icated sys-
tem of people an d tech n ology r u n n in g
sm ooth ly. Th e m ost im portan t aspects
of m an agem ent inclu de plan ning, bu d-
geting, organ ising, staffing, controllin g
an d p rob lem -sol vin g. Leadersh ip is a
set of pr ocesses th at creates or gan i-
sat ion s in t h e fi rst p lace or adapt s
them to sign ifican tly ch an gin g circu m -
st an ces. Leader sh i p d efi n es wh at t h e
fu tu r e sh ou ld look li k e, al ign s p eop le
wi th t h at vi sion , an d in sp ires t h em to
m ak e it h appen d espite th e obstacl es.
Th is distin cti on is absolu t ely cr u ci al
for ou r p u r p oses h er e. Su ccessfu l
tr an sfor m at ion is 70 to 90 per cen t
leadersh i p an d on ly 10 to 30 per cen t
m an agem en t . Yet for h istori cal rea-
son s, m an y organ isat ion s today don ’t
h ave m u ch leader sh i p . An d al m ost
everyon e t h i n k s abou t t h e pr ob lem
h ere as on e of m an agin g ch an ge.
For m ost of th is cen tu ry, as we
cr eat ed t h ou san ds an d th ou san ds of
large or gan isation s for th e fi rst ti m e
i n h u m an h i st or y , we d i d n ’t h ave
en ou gh good m an agers t o k eep al l
th ose bu reau cr acies fu n ction in g. So
m an y com pan ies an d u n iver siti es d e-
velop ed m an agem en t pr ogr am s an d
h u n dr ed s an d th ou san ds of p eopl e
were en cou raged to learn m an agem en t
on th e job. An d th ey d id. Bu t, p eop le
were tau gh t little abou t leadersh ip. To
som e degree, m an agem en t was em -
ph asi sed becau se it ’s easier to teach
COMPREHENSION TEST
th an leader sh i p. Bu t even m or e so,
m an agem en t was the m ain item on th e
Twen t ieth - Cen tu ry agen d a becau se
th at’s wh at was n eeded for ever y en -
terpr en eu r or b u sin ess bu ilder wh o
was a leader, we n eed ed h u n dreds of
m an agers to tu r n t h ei r ever -gr owi n g
en t er pr ises.
Un fort u n atl y for u s tod ay, t h i s
em ph asis on m an agem en t h as oft en
been in stitu tionalised in corporate cu l-
tu r es th at discou rage em ployees from
learn in g h ow t o l ead. Ir on i cal ly, past
su ccess i s u su ally th e k ey i n gredien t
in pr odu cin g th is ou t com e. Th e syn -
dr om e, as I h ave observed it on m an y
occasion s, goes l ik e th i s su ccess cr e-
at es som e d egr ee of m ar k ed d om i -
n an ce, wh ich in tu r n p rod u ces m u ch
gr owt h . Aft er a wh ile k eepi n g th e ever
larger or gan isation u n der con trol b e-
com es th e p rim ary ch allen ge. So at-
ten tion t u rn s i n ward, an d m an ager ial
com peten ci es are n u r t u r ed. Wit h a
st ron g em ph asis on m an agem en t b u t
n ot l eadersh ip, bu r eau cracy an d an
in war d focu s tak e over. B u t with con -
ti n u ed su ccess, th e r esu lt m ost ly of
m ark et dom in an ce th e p rob lem oft en
goes u n h ealt h y arrogan ce begi n s to
evol ve. Al l of t h ese ch ar act er i st i cs
th an m ak e an y t ran sform ation effort
m u ch m or e di ffi cu l t.
Arrogan t man agers can overe-val-
u ate th eir cu rren t perform an ce an d
com petitive position, listen poorly, an d
l ear n slowly. In war dl y focu sed em -
pl oyees can h ave difficu lty seein g t h e
very for ces th at p resen t th r eat s an d
op por tu n ities. Bu r eau cratic cu l tu r es
can sm ot h er th ose wh o wan t t o r e-
sp on d to sh i fti n g con d iti on s. An d t h e
lack of leader sh i p leaves n o force i n -
si de th ese organ isation s to break -ou t
th e m orass.
1. Wh y, accordi n g t o t h e au th or, a
distin ction between m anagemen t
an d l ead ersh ip is cru cial?
(1) Leaders ar e react ive wh ere-
as m an agers are pr oactive.
(2) Organisations are facing prob-
lem s of not gettin g good m an -
ager s.
(3) Organ i sati on s ar e pu r su in g
th e strat egy of statu s - qu o.
(4) In today’s con tex t organ isa-
tion s n eed leaders mu ch m ore
th an m an ager s i n t ran sfor m -
in g t h em .
(5) Non e of th ese
-283-

2. Wh y d id com pan i es an d u n iver -
sities develop programm es to pre-
pare m an agers i n su ch a lar ge
n u mber?
(1) Com pan ies an d Un iversiti es
w an t ed t o gen er at e fu n d s
th rou gh th ese program m es
(2) A lar ge n u m b er of organ isa-
ti on s wer e created an d th ey
n eed ed m an ager s i n good
n u m ber.
(3) Organ isat ion s d id n ot wan t
sp en d th eir scarce r esou rces
in t rain in g m an agers.
(4) Or gan isation s wan ted to cr e-
at e com m u n i cat ion n etwork
th ou gh train ed m an agers.
(5) Non e of th ese
3. Which of th e following statements
is NOT TRUE in th e con text of
th e passage?
(1) Bu reau cratic cu ltu re sm ot h -
er th ose wh o wan t to resp on d
to ch an gin g con dition s.
(2) Leadersh ip prod u ces ch an ge
an d h as th e poten tial t o es-
tablish d erection .
(3) Pr essu re on m an agers com es
m ostly from with i n .
(4) Leadersh ip cen tres on carr y-
in g ou t i m portan t fu n ction s
su ch as plan n in g an d prob-
lem -solving.
(5) Man agers believe that they are
th e b est an d th at th eir idi o-
syn cratic tradi tion s are su pe-
rior.
4. Wh ich of th e followin g is n ot t h e
ch aracteristic of bu reau cratic cu l-
tu re?
(1) M an agers l i st en poor l y an d
learn sl owl y.
(2) Man agerial com pet en ci es are
n u rtu red.
(3) E m p l oyees cl ear l y see t h e
for ces t h at p r esen t t h r eat s
an d opportu n i ties.
(4) Prevalen ce of u n h ealth y arro-
gan ce.
(5) Man agers ten d to st ifle in i tia-
tive an d i n n ovat ion .
5. Wh ich of th e fol lowin g is SIM I-
L AR i n m ean i n g of t h e w or d
SM OTH ER as u sed in th e pas-
sage?
(1) su p pr ess (2) en cou rage
(3) instigate (4) criti cise
(5) attack
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
6. How has th e au th or defin ed m an -
agem en t ?
(1) It is th e p rocess of adapti n g
organisations to ch angin g cir -
cu m stan ces.
(2) It i s t h e system of al ign in g
p eopl e wit h t h e d i rect i on i t
h as t ak en .
(3) It refers to cr eat in g a visi on
to h elp dir ect th e ch an ge ef-
fort .
(4) Cr eat in g b ett er per for m an ce
t h r ou gh cu stom er s or i en ta-
tion.
(5) Non e of th ese
7. Man agem en t edu cat ion was em -
phasised in the managem en t pro-
gr am m es b ecu ase
(1) establish in g direction was th e
m ai n focu s of or gan ization s.
(2) m ot i vat i n g em p l oy ees was
th ou gh t to be d on e by m an -
ager s.
(3) s t r a t egi es f o r p r o d u c i n g
ch an ge was t h e m ain focu s of
organisations.
(4) or gan isation s wan ted to cr e-
ate powerfu l gu iding coalition .
(5) m an agem en t was t h e m ai n
it em of agen da in organ isa-
tions.
8. Wh at is t h e h istor ical reason for
m an y organ i sati on s n ot h avi n g
leadersh ip?
(1) A view t h at leader s are bor n ,
th ey are n ot m ad e.
(2) Leaders lack m an agerial sk ills
an d organ i sation s n eed m an -
ager s.
(3) Leaders are weak in car ryi n g
ou t tr adi t ion al fu n ct i on s of
m an agem ent.
(4) Leaders all ow too m u ch com -
placen cy in organ isation s.
(5) Non e of th ese
9. In th e p assage, m an agem en t is
equ ated with
(1) Organ isation
(2) Leadersh ip
(3) Organ isation al vision
(4) Bu reau cracy
(5) Managerial trainin g
10. Wh y does th e att en t ion of lar ge
organization s tu rn inward?
(1) Th eir m an agers becom e arro-
gant.
(2) Th ey h ave to k eep th em selves
u n d er con tr ol.
COMPREHENSION TEST
(3) Th eir su ccess creates m ark et
domin ance.
(4) They wan t to project th eir pre-
dictability.
(5) Non e of th ese
11. Wh ich of th e fol lowin g is SIM I-
L AR i n m ean i n g of t h e w or d
‘NURTURED’as u sed in th e p as-
sage?
(1)created (2) devel op ed
(3) th wart ed (4) su r faced
(5) halted
12. Wh at, accordi n g to th e au th or, is
leadersh ip?
(1) Pr ocess wh i ch k eep s syst em
of people an d techn ology ru n -
n in g sm ooth ly.
(2) Plan n in g th e fu tu re an d b u d-
getin g resou rces of th e organ -
isation .
(3) In spirin g people to realise th e
visi on .
(4) Carri n g ou t th e cr u ci al fu n c-
ti on s of m an agem en t.
(5) Non e of th ese
13. Wh ich of th e fol lowin g ch aract-
eristics h elp organisation s in their
tr an sform ation effort s?
(1) Em ph asis on leader sh i p b u t
n ot m anagemen t
(2) A stron g an d dogmatic cu ltu re
(3) Bu reau cratic an d in ward look -
in g ap proach
(4) Fai l i n g t o ack n owl ed ge t h e
valu e of cu stom ers and sh are-
h old ers
(5) Non e of th ese
14. Wh y wer e p eop l e t au gh t l i t t l e
abou t leadersh ip in m an agem en t
program m es?
(1) Teach ers were bu sy in u n der -
st an d in g th e ph en om en on of
leadersh ip
(2) En ou gh st u d y m at eri al was
not available to facilitate teach-
in g of leadersh ip
(3) Focu s of th ese p rogram m es
was on d evelopi n g m an agers
(4) Lead er sh i p was con si d er ed
on ly a political ph en om en on
(5) Non e of th ese
15. Which of th e following statements
is/ are defi n i t el y t r ue in th e con -
text of th e passage?
(A) B u reau cracy foster s str on g
an d arrogan t cu l tu re
(B ) Leader sh ip com pet en ci es are
n u r tu red in l arge size organ i-
sation s.
-284-

(C) Su ccessfu l t ran sform ation in
or gan isation s i s 7 0 t o 9 0 p er
cen t leader sh i p.
(1) On ly (A) an d (B)
(2) On ly (A) an d (C)
(3) On ly (B) an d (C)
(4) On ly (B)
(5) On ly (C)
Di r ec t i o n s (1 6 -2 5 ) : Read th e fol-
lowin g p assage car efu lly an d an swer
th e qu est ion s given below it . Certain
w o r d s / ex p r es s i o n s a r e gi v en i n
bol d in th e passage to h elp you locate
t h em wh il e an swer i n g som e of t h e
qu estion s.
(SBI Assoc i at e Ban k s PO
Ex am . 1 6. 0 7. 20 00 )
We al l seek h app i n ess b u t few,
very few, in deed, get it . We ar e u n -
h ap py partly becau se we desire m u ch
m ore th an wh at we can h op e t o at-
tain . Ou r cou n t less d esi res are h ard
to be satisfied. An d th at is what m ak es
u s so sad in life.
Th e secr et of h app in ess lies i n t h e
sim pli fication of life. Si m ple livin g en -
cou rages h igh-think ing. It leads to con-
ten tm en t. Con ten tm en t gives u s in n er
wealt h , t h e wealth of th e m i n d an d of
th e sou l. A contented man devotes him-
self to vir tu es l ik e tru th , beau t y, love,
goodn ess, k i n dn ess an d ch arit y. By
pu rsu in g an d i n cu l cat in g th ese vi r -
tu es, a m an can feel tru e h appi n ess.
I do n ot m ean t h at for si m pli fica-
ti on of life, a m an sh ou ld b ecom e an
ascet ic. Th e h appi n ess of a sa dh u i s
of a n egative k in d. I wan t positive k in d
of h appin ess. For t h is I m u st li ve in
th e m idst of l ife an d faith fu l ly car ry
ou t my responsibilities to my home and
m y cou n t ry. B u t all t h is sh ou l d be
don e in th e spi rit of selfl ess ser vice.
A m an wh o wan ts to lead a h app y li fe,
sh ou ld also m ak e ot h ers h ap py. In
m ak in g oth ers h appy h e will taste real
an d lasting h appin ess. Th ere is a k in d
of joy i n servin g oth ers wi th vir tu ou s
m otives, in sacrifici n g wh at on e h as
for t h e good of ot h er s. An act of good-
n ess is of itself an act of h appi n ess.
Th e secret of perfect h appin ess lies
in ren u n ciation . Weal th m ay gi ve u s
joy for a wh ile an d fam e m ay pr ovi de
u s wi th fl eet i n g ex citem en t. Bu t t h ey
can n ot give u s perm an en t h ap pin ess.
Ki n gs h ave ever yth i n g to m ak e th em
h appy an d yet th ey feel u n h app y. It
is becau se th ey do n ot practise ren u n -
ciation .
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Th er e is a sen se of joy in d oi n g
on e’s work h on est ly an d effici en t ly. A
research -wor k er feels joy in resear ch
an d a jou rn alist in wr iti n g. In doi n g
on e’s du t y sin cerel y, on e feels peace
of m in d wh ich is an im portan t essen ce
of h appi n ess.
It i s on ly b y cu ltivatin g spirit of re-
n u n ciation , self-sacrifice, con ten tm en t
an d sin cere wor k t h at on e can r eal ly
be h ap py. Th e sti n gs of m i sfor tu n e
spare n on e bu t th ey wi ll n ot cow su ch
a per son .
16. Wh at does a con ten ted m an d o?
(1) He pu rsu es an d assim i lat es
th e b asi c virt u es of li fe
(2) He faces boldl y t h e adversi-
ti es of li fe
(3) He en cou n ters th e st rin gs of
m isfortu n es
(4) He gives u p b ad h abits effort-
lessly
(5) Non e of th ese
17. Wh ich of th e foll owin g is th e cor -
rect ch ain of things, as mentioned
in th e passage, leadin g to h app i-
n ess?
(1) Con ten tm en t, h i gh -th in k in g,
si m pl e l ivi n g, in n er wealt h .
(2) Si m pl e l ivi n g, h igh t h in k in g,
in n er wealth , con ten tm en t
(3) Hi gh -th i n k i n g, sim ple li vin g,
in n er wealth , con ten tm en t
(4) In n er weal th , si m p l e li vi n g,
con ten tm en t, h igh th in k in g
(5) Si m pl e l ivi n g, h igh t h in k in g,
con ten tm en t, in n er wealth
18. Accor din g to th e passage, th e es-
sen ce of h appin ess li es in __
(1) worldl y d esir es
(2) m atch in g on e’s abi lit ies wi th
th e work u n der tak en
(3) a v o i d i n g a l l u n f o r t u n a t e
even ts
(4) ad opt in g a sim ple li fe style
(5) followin g t h e d ict ates of n a-
tu re
19. We ar e u n h appy par tly becau se
__
(1) We h ave n o in n er str en gth
(2) We h ave lost m oral an d spi r -
itu al valu es
(3) We h ave cou n tless u n fu lfilled
d esi r es
(4) Ou r l i ves h ave b ecom e ex -
trem ely com plicated
(5) We carr y several st resses an d
strain s
COMPREHENSION TEST
20. Which of th e following statements
is NOT TRUE in th e con text of
th e passage?
(1) On e feel s p eace of m i n d in
doin g on e’s du t y sin cerel y.
(2) Ren u n ciation is th e r esu lt of
perfect h app in ess.
(3) Mu ltiplicity of desires mak e u s
u n h appy.
(4) Mak in g oth ers h ap py m ak es
on e h app y.
(5) An act of good n ess i s an act
of h appi n ess.
21. Wh ich of th e fol lowin g is OPPO-
SI TE i n m ean i n g t o t h e wor d
‘fl eet i n g’as u sed in th e passage?
(1) per m an en t (2) passin g
(3 ) fast (4) m om en tary
(5) pleasin g
22. A m an wh o wan ts to li ve a per -
m an en t h app y li fe sh ou ld ____
(1) m ak e oth ers h ap py
(2) m aster th e art of ren u n ciation
(3) pu rsu e weal th an d fam e
(4) in cu l cat e t h e virt u es of li fe
(5) k eep a tigh t con trol on h is de-
sir es
23. Wh ich of th e fol lowin g is SIM I-
L AR i n m ean i n g as t h e w or d
‘c ow ’ as u sed in th e passage?
(1 ) spare (2) con qu er
(3 ) di scard (4) pr ovok e
(5) m ou ld
24. Which of th e following statements
i s TRUE i n t h e con t ex t of t h e
passage?
(1) Hu m an b ei n gs seld om seek
h appin ess
(2) Doin g on e’s work sin cer ely &
h ardl y m ak es on e h ap py
(3) Peace of m in d i s t an gen t to
h appin ess
(4) Si m pl e l ife is lik e a li fe of an
asceti c
(5) A h a p p y m an i s a l so n ot
sp ared b y t h e m isfor tu n es
25. Wh at accordi n g to th e passage,
is a positi ve k in d of h appi n ess?
(1) K eep i n g on es m ot i ves an d
feeli n gs u n d er con trol.
(2) Love for life an d a cou n t ry
(3) Leadin g a sim ple life of an as-
cetic
(4) Carryin g ou t all worldly activ-
it ies in th e spir it of sel fless
ser vi ce
(5) Non e of th ese
-285-

Di r ect i on s (2 6 -3 7 ) : Th ere are two
p ar agr ap h s fol l owed b y qu est i on s
based on each of t h em . Read t h ese
paragraph s an d an swer th e qu est ion s
gi ven b el o w t h em . Som e w o r d s/
ph rases are gi ven in bol d t o h elp you
locat e t h em wh ile an swer in g som e of
th e qu estion s.
(SBI Ban k s PO Ex am . 2 0. 08. 200 0)
PARAGRAPH -I
Recen tly a stu dy was m ad e on t h e
popu lari ty of T.V. p rogr am m es an d
vi ewers’percepti on abou t t h ei r qu al i-
t y. Th e st u d y of at t i t u d es t owar d s
p r i m e-t i m e t el evi si on p r ogr am m es
sh owed th at program m es with iden ti-
cal ratin gs in terms of n u m bers of peo-
ple watch ing received h ighly di vergen t
m ark s for qu ali ty from th eir viewer s.
Th is add ition al pi ece of in form ati on
cou ld pr ove val u ab le for advert isers
wh o m igh t be well advi sed to spen d
t h ei r ad ver t i si n g m on ey for p r o-
gr am m es th at viewers feel are of h i gh
qu ality.
26. Wh ich of th e followin g is m ost
n earl y t h e sam e in m ean i n g as
th e word feel as u sed i n th e pas-
sage?
(1) pou r (2) sym path ise
(3 ) percei ve (4) evolve
(5) sen siti se
27. Wh ich of th e followin g is m ost
n early opposite in m eanin g of th e
word di v er gen t as u sed in t h e
passage ?
(1) poin ted
(2) similar
(3) h et erogen eou s
(4) synon ymou s
(5 ) focu sed
28. Wh ich of th e followin g i n feren c-
es can be dr awn fr om th e above
paragraph ?
(1) Th e n u m ber of viewers decid-
ed t h e qu al i t y of t h e p r o-
gr am m es.
(2) Th e viewer’s perception abou t
th e qu al ity of pr ogr am m es is
si gn i fican t for adverti ser s.
(3) Th e poor qu ality program m es
h ave ver y few viewer s.
(4) Ad ver tisers can d eri ve ben e-
fit from the in formation abou t
vi ewer’s per cep tion of qu ali ty
of pr ogram m es.
(5) Non e of th ese
29. Wh i ch of th e foll owin g is/ are th e
fi n di n g (s) of th e stu d y?
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
A. Th e vi ewers d eci de th e pri m e
ti m e t elevision p rogr am m es.
B. Th e atti tu d es of viewers can -
n ot b e r eli abl y assessed.
C. Th e adverti sers were ben efi t-
t ed f r o m go o d q u a l i t y p r o -
gr am m es.
(1) A on ly (2) B on ly
(3 ) C on ly (4) Al l t h e th r ee
(5 ) Non e of th ese
30. Wh i ch of th e followin g can be in -
ferred fr om th e con ten ts of t h e
paragr aph ?
A. Th e adverti sem en t can h ave
som e effect on t h e vi ewer s’
bu yin g h abits.
B . Mon ey spen t on advert isi n g
with h igh qu ality program mes
yi eld m ore profit s.
C. D i ffer en t p r ogr am m es w i t h
equ al n u m ber of vi ewer s can
be rated differ en t ly as far as
qu alit y i s con cern ed.
(1 ) On ly A
(2) On l y B
(3 ) On ly A an d B
(4 ) On ly B an d C
(5 ) Non e of th ese
PARAGRAPH -I I
Economic models lik e th e compu t-
abl e gen er al equ i li b ri u m m odel ar e
m ostly valu able in policy form u lation
as th ey give som e i n sigh t i n t o h ow
t rade poli cy ch an ges wi ll affect th e
sectoral com p osit ion of ou t pu t an d
em ploym en t. Th ey are n ot in th em -
selves design ed to provid e d irect i n -
p u t s b u t r eal l y t o ser ve as b ack -
gr ou n d as to th e sectors th at wi ll be
m ost favou rably or most u nfavou rably
affected by policy. B esi des, t h ey ren -
der valu ab le h el p i n poli cy m at ters
regar din g fr ee trade. Fr ee t rad e h as
di sti n ct ben efi ts. Th ese ben efit s are
well accepted all over. However, th ere
is a growin g oppositi on to free t rad e.
Th er e i s an i n cr easi n g p er cep t i on
am on g cer tai n grou p s of h ow i n ter -
n ation al tradin g system s im pact; spe-
ciall y h ow th ey affect low-wage work -
er s an d also h ave a d egr adi n g en vi-
ron m en tal im pact. Yet it is difficu lt to
accept th at th at is t h e reason for an y
k in d of protectionist move in th e m ost
advan ced cou n tri es.
31. Most advanced cou n tries are cau -
ti ou s abou t free tr ade becau se—
A. Th ey prefer to h ave a pr otec-
tion ist approach .
COMPREHENSION TEST
B . Th ey feel d egr aded i n i n ter -
n ation al tradin g com m u n ity.
C. Th ei r vest ed i n t er est s ar e
th wart ed .
(1 ) A an d B on ly
(2 ) B an d C on ly
(3 ) A an d C on ly
(4 ) Al l of th em
(5 ) Non e of th ese
32. Th e au th or of th e passage seem s
to be —
(1) in favou r of u se of econ om et-
r ic m od el s b u t agai n st free
trade.
(2) i n favou r of fr ee t r ad e b u t
n eu tr al r egardi n g econ om et-
ri c m odel s.
(3) again st both free trade as well
as econ om et ric m odel s.
(4) i n d i ffer en t ab ou t b ot h fr ee
tr ade an d econ om et ric m od-
el s.
(5) in favou r of both econ om et ric
m odel s an d free t rad e.
33. Which of th e following statements
is defin i tel y t ru e in th e con text
of th e p assage ?
A. D esp i t e t h e ad van t ages of
fr ee t r ad e, i t i s n ot w h ol e-
h eart edly acclaim ed by m ost
ad van ced cou n t ries.
B . Policy form u lation sh ou ld be
sol ely depen den t on econ om -
et ric m odel s.
C. Reason s for m odel -approach
by advan ced cou ntries are not
gi ven in th e passage.
(1 ) On ly A (2) On l y B
(3 ) On ly C (4) A an d B on ly
(5 ) B an d C on ly
34. Wh at is the contribu tion of econ o-
m etr ic m od els?
(1) Th ey h elp develop in sigh t in to
i n cr easi n g ou t p u t t h r ou gh
less m an –power s.
(2) Th ey h el p i n i m p l em en t i n g
n ew p ol i ci es r egar d i n g fr ee
trade.
(3) Th ey h elp develop in sigh t in to
h ow ch an ges in policies in flu -
en ce cert ain sector s.
(4) They en su re that policy chang-
es h ave on l y p osi tive i m pact
on th e econ om y
(5) Non e of th ese
35. Wh i ch of t h e fol l owi n g i s t h e
ch ar act er i st i c of econ om et r i c
m odels ?
-286-

(1 ) Th ey serve as a b ack drop.
(2) Th ey ar e u n favou rab le t o fr ee
trade
(3) Th eir design is n ot con du cive
to in crease em p loym en t.
(4) Th ey do n ot serve di rect i n -
pu ts.
(5 ) B oth 1 an d 4
36. Th e ch an ges in econ om ic p oli cy
is m ost lik ely to h ave—
(1) on ly desirable effect on all th e
sectors i n volved.
(2) a m ix ed in flu en ce on al l t h e
sectors in volved
(3) n egative im pact u n less all th e
sector s are in volved.
(4) u n favou r ab l e effect on em -
ploym en t opportu nities.
(5) Non e of th ese
37. Free tr ade h as been r eceivin g es-
calatin g di sapproval becau se—
(1) it h as a ver y di sti n ct ran ge of
b en efi ts.
(2) i t u n d u ly favou r s l ow-wage
wor k er s.
(3) it l eads t o protect ion i st ap-
p r o a c h a m o n g a d v a n c ed
cou n t ries.
(4) it affects intern ation al tradin g
system s adversel y.
(5) Non e of th ese
Di r ect i on s (3 8 –5 2 ) : Read each
paragrap h carefu ll y an d an swer t h e
qu estion (s) given below th em . Cert ain
words ar e gi ven in bol d t o h elp you to
l ocat e t h em wh i l e an swer i n g som e
qu estion s.
(SBI Ban k s PO Ex am . 1 1. 02. 200 1)
PARAGRAPH -1
Ration ali sm h as been d efin ed as
th e m en tal atti tu d e wh ich u n r eser v -
edl y accept s t h e su prem acy of rea-
son an d aim s at estab lish in g a sys-
tem of p h ilosop h y an d et h ics verifi-
ab le by experien ce an d in depen den t
of all arbitrary assu mption s or au th or -
ity. Th is defin ition of Ration alism was
fr am ed at th e i n au gu ration of th e Ra-
ti on al ist Pr ess Associ at ion (RPA) in
Lon don in th e year 189 9.
38. This paragraph best su pports th e
st atem en t th at....
(1) Et h ics d oes n ot con stit u te a
part of ph i losoph y.
(2 ) On e h as to accept cer tai n b e-
li efs to fin d t h e fin al t ru t h .
(3) Ration al ism is n ot a set of be-
li efs wh ich is devoid of verifi-
cation
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(4) Men tal attitu de is independent
of all assu m ption s.
(5) On ly RPA can estab lish ph i-
losoph y of Ration alism .
39. Wh ich of th e fol lowin g wor ds is
m ost n ear ly th e SAM E i n m ean -
in g as th e word u n r eser v edl y as
u sed in th e par agr aph ?
(1) con dition ally
(2) fu lly (3) partially
(4) collectively (5) u nilaterally
PARAGRAPH -2
In tod ay’s world wh ere teach ers
h ave a bu sy sch edu le, it is noticed that
on ly a few t each ers h ave tim e for t h e
stu den t s l earn i n g ex peri en ces. On e
th in g wh ich is lack in g i n al m ost all
classroom s is teachers m otivatin g stu -
den ts to do better. Wh at h appen s is
th at teach ers wou ld lik e to give att en -
ti on to t h e stu den t s wh o h ave h i gh
in telligen ce an d wh o are academ ically
good. A l arger port ion of th e st u den t
p op u l at i on i s n egl ect ed . Teach er s
bl am e th em for n ot tryin g to do th eir
best .
40. Th e au t h or wou ld lik e th e teach -
ers t o....
(1) motivate brigh t stu dents to en-
h an ce th eir academ ic ach ieve-
m en t.
(2) im prove th eir own academ ic
st an d ar d s t o m ot i vat e st u -
den ts.
(3) k eep th ei r sch edu l e bu sy by
carryin g ou t vari ou s du ties.
(4) en cou rage an d give pl an n ed
learn ing experiences to all stu -
den ts.
(5) en cou rage good stu den ts to
h elp poor stu d en t s.
41. Accord in g to th e au th or wh y are
teach ers n ot in a posi tion to p er -
form th eir expected r ole ?
(1) Major ity of th e stu d en t s n e-
gl ect th e classroom t each in g.
(2) Th e st u d en ts are ver y bu sy
an d h ave less tim e t o l ear n .
(3) In tel ligen t stu den ts are aft er
teach er, seek in g t h ei r h elp in
st u d ies.
(4) Th ey are forced to spen d more
ti m e in m ot ivatin g good st u -
den ts.
(5) Non e of th ese
PARAGRAPH -3
Du e to th e d evel opm en t of in d i-
vi du alism an d p erm issiven ess, soci al
n or m s h ave becom e slack an d par -
COMPREHENSION TEST
en ts an d teach ers are u n able to pl ay
th eir tradit ion al r ole of sh apin g t h e
ch aracter of th eir ch ildren an d pu pils.
Th e growin g com plexity of society du e
to tech n ological d evelop m en t an d t h e
sl ack n ess of soci al n or m s as a r esu lt
of th e growth of individu alism and per -
m i ssi ven ess are th e two cau ses of t h e
m oral cr isi s of ou r tim e.
42. Accordin g to th e au th or wh ich of
th e foll owi n g is on e of th e ou t-
com es of th e presen t crisis of ou r
tim e ?
(1) Inability of paren ts and teach -
er s t o d evelop valu e base of
ch ild ren .
(2) More th an expected gr owth of
Scien ce an d Tech n ology.
(3) In cr easi n g soci al coh esi ve-
n ess INSPITE of viol en ce an d
distu rban ces
(4) E m er gen c e o f n ew s o ci a l
n orm s wh ich obstru ct growth
of individu alism
(5) Non e of th ese
43. Wh ich of th e fol lowin g wor ds is
most OPPOSITE in meaning of the
word sl ack n ess as u sed in t h e
paragr aph ?
(1) rigidity (2) vigorou s
(3) slu ggish n ess (4) bu sin ess
(5) tigh tn ess
PARAGRAPH -4
Marx, th e fou n der of comm u n ism ,
h ad p redi cted t h e fail u re an d even t u -
al overth row of cap italism b ecau se of
wh at h e r egar ded as its in h eren t con -
tr adi cti on . He visu al ised t h at cap ital-
ism wou l d m ain tain th e wages of l a-
bou r at a l ow su b sist en ce l evel, wh i le
progressively in creasin g its produ ctiv-
it y b y t h e em pl oym en t of tech n ologi-
cally ad van ced m ean s of produ ction .
D u r i n g l ast m an y d ecad es t h e r eal
wages of wor k er s in ad van ced cap i-
talist cou n tries have gradu ally and pro-
gr essively in creased. Th e pr edi cti on
of Marx h as n ot been born e ou t by
h ist ory.
44. Wh ich of th e fol lowin g su p por ts
t h e st at em en t “t h e p r ed i ct i on
......born e ou t by h i story” ?
(1) Th e capi tal ism h as j u st su r -
vived bu t not tak en firm roots.
(2) Th e salaries of all th e em ploy-
ees h ave gon e u p in advan ced
cou n t ries.
(3) Tech n ol ogi cal d evel op m en t
h as n ot tak en place in cap i-
tal ist cou n tries.
-287-

(4) Th e salaries of all th e em ploy-
ees h ave gon e d own in al l t h e
cou n t ries.
(5) Th ere is n o i n cr ease i n th e
pr odu ctivity of wor k er s.
45. Wh ich of th e fol lowin g wor ds is
m ost n ear ly th e SAM E i n m ean -
in g as th e word r egar ded as u sed
in th e paragraph ?
(1 ) r esp ect ed(2) valu ed
(3 ) relat ed(4) th ou gh t
(5) est im ated
PARAGRAPH -5
Li ter atu r e i s a m ediu m th rou gh
wh ich a person can con vey h is ideas
towar ds or p rot ests again st differen t
n orm s of soci ety. Th ose work s th at
deal with a m oral issu e are of part icu -
lar i m portan ce in lit eratu r e, th ey are
wr itt en with a par ticu lar pu rpose in
m i n d. A lit erary work wi th a m oral i s-
su e will live on t o b e r ein terp ret ed by
differen t gen eration s. Th ese work s in -
volve th e reader for h e form s h i s own
m oral ju d gem en t toward s t h e i ssu e.
46. Wh y does t h e au t h or con si der
wri te-u ps ‘th at deal wi th a m or al
issu e’ar e m ore im por tan t in li t-
er atu re ?
(A) Th ey are op en for reth i n k i n g
by com in g gen eration s.
(B) Th ey are wr itt en wit h a sp e-
ci fic app roach .
(C) Th ey h el p t h e r ead er in for m -
in g or con solid ati n g h is val-
u es an d app roach es.
(1) On ly A
(2) Both A an d B
(3) Both A an d C
(4) On l y C
(5) Non e of th ese
47. Th e fi rst sen ten ce of th e p ar a-
gr aph im pli es...
(1) literatu re is not one of the best
m edia of ex pression for a so-
ciety.
(2) s o c i et y d o es n o t o b ser v e
same standard for all its mem-
b er s.
(3) on ly literat u re al lows in divi-
du als to exp ress t h ei r di ffer -
en t views.
(4) society can ch an ge i ts val u e
system after it rein terprets lit-
eratu re.
(5 ) Non e of th ese
PARAGRAPH -6
Th e ph en om en a of ch ild labou r is
qu ite complex. Ch ildren work becau se
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
th ey belon g to poor fam il ies wh o can -
n ot su rvive wi th ou t t h e ben efi t of t h e
in com e wh ich accru es t o t h e fam i ly
on accou n t of ch il d l abou r. An y at-
tem pt to abolish it th rou gh legal r e-
cou rse wou ld, u n der th e circu m stan c-
es, n ot be p ractical. Th e on ly alt ern a-
ti ve is to ban ch ild lab ou r in h azar d-
ou s ar eas an d to regu l ate an d am e-
l i or at e t h e con d iti on s of wor k in ot h -
er ar eas. M an y developin g cou n tri es
i n clu d i n g In d i a h ave accep t ed t h i s
approach .
48. Accordin g to th e paragraph abol-
ish in g ch ild labou r th rou gh legal
m ean s i s m ost li k el y t o resu l t
in to...
(1) dr aggin g/ pu sh in g t h e fam i ly
of th e ch il d in acu te econ om -
ic st ress.
(2) shortage of labou r in other ar -
eas of wor k .
(3) regu lation of services of adu lt
wor k er s.
(4) betterm en t of wor k in g con d i-
ti on s of ad u lt labou rer s.
(5) better u n derstan di n g of real-
ity.
49. Wh at can be in ferr ed abou t t h e
policy bein g foll owed abou t ch ild
labou r in In dia?
(A) Gi vin g econ om ic ben efi ts to
th e fam i lies of ch ild labou r -
er s.
(B) Redu cing/ controllin g child la-
b ou r i n u n h eal th y ar eas of
work .
(C) M on i t or i n g an d i m p r ovi n g
work i n g con dit ion s for ch i l-
dr en .
(1) On ly A an d B
(2) On ly B an d C
(3) On ly A an d C
(4) On l y B
(5 ) Non e of th ese
50. Wh ich of th e fol lowin g wor ds is
m ost n ear ly th e SAM E i n m ean -
in g as th e word am el i o r at e as
u sed in th e par agr aph ?
(1 ) cover (2) adju st
(3 ) r em ove (4) mitigate
(5 ) fix
PARAGRAPH -7
In r ecen t year s ou r soci ety h as
sh own readin ess to ad dr ess t h e ed u -
cation al an d d evel opm en t al n eeds of
ad olescen ts. Be it th e Gover n m en t or
peopl e i n t h e com m u n i ty, th ere is a
realisation th at som eth in g n eeds to be
COMPREHENSION TEST
don e to bu i ld on t h e en ergy an d en -
th u siasm of th is cru ci al section of th e
popu lation . Growin g social u n rest, vi-
olen ce, crim e an d in creasin g visib ility
of th e you n g h as con t rib u ted to th is
read in ess.
51. Wh ich of th e fol lowin g wor ds is
m ost OPPOSI T E in m ean i n g of
th e word ‘address’as u sed in th e
paragraph ?
(1) discou rage (2) d iffu se
(3) l ocate (4) disorgan ise
(5) i gn ore
52. Wh ich of th e fol lowin g is n ot a
li k ely cau se of readin ess sh own
by people towar ds adolescen t s?
(1 ) In crease in cri m e
(2 ) Growin g violen ce
(3) Equ ality of opportu n ity
(4 ) Ph ysi cal pr esen ce of you th
(5 ) In creased soci al u n rest
Di r ect i on s (5 3 -5 7 ) : Read t h e
f o l l ow i n g p a s s age c a r ef u l l y a n d
an swer t h e qu estion s given b elow i t.
Certai n words/ ph rases are p rin ted in
bo l d to h elp you to locate th em wh i le
an swerin g som e of th e qu est ion s.
(SBI Associ at e Ban k s PO
Ex am . 2 1. 0 7. 20 02 )
In dia’s n u clear am bi tion h ad
been th e bon e of con t en t ion for a very
lon g t im e. It was a set t l ed b eli ef in
ou r cou n t ry t h at th e U.S. b egan t o
st ess t h e issu e of sign in g th e CTBT
on l y i n m or e r ecen t rou n d of t alk s
wh en t h e t wo cou n t r i es h ad com e
cl ose to an agr eem en t on t h e oth er
issu es, i n cl u di n g t h e CTB T becau se
it is p art of i ts som ewh at browbeat in g
s t y l e o f d o i n g b u s i n es s . B u t a
m om en t’s reflection wou l d sh ow th at
th ere cou ld be an oth er explan ation. In
t h e af t er m at h of Pok h r an -II wh en
t em p er s h ad cool ed , t h e U.S. w as
p r ed i sp o sed t o accep t ou r Pr i m e
M i n i ster ’s r ep eated asser t i on s t h at
I n d i a i n t en d ed t o ar m i t sel f w i t h
n u clear weapon s on ly as a d eterren t
to n u clear attack or b lack m ai l.
53. Which of th e following statements
is FALSE in th e con text of t h e
passage?
(A) On l y becau se of Pok h r an -II
th e U.S. h ad accepted In di an
Pr i m e M i n i st er ’s asser t i on
abou t In d ia’s n u clear poli cy.
(B) Th e r o u n d s of t al k s w er e
bein g h eld by at least th r ee
cou n t ries, t h e US bein g t h e
m ediator.
-288-

(C) In d i an Pr i m e M i n i st er h as
ass u r ed t h e w or l d t h at i t
wou ld that it wou ld not in itiate
n u clear attack on an y n ation .
(1 ) On ly A an d C
(2 ) On ly A an d B
(3) On ly B an d C
(4) Al l t h e th r ee
(5) Non e of th ese
54. Th e r eal in t en t ion of th e U.S. in
br in gi n g th e n u cl ear issu e to t h e
fore is m ost p rob abl y—
(1) t o su pp r ess In d ia’s n u cl ear
ambition
(2) to in cu r th e goodwill of In dia’s
en em y
(3) t o d et er I n d i a f r om go i n g
n u clear in a bi g way
(4) to u se it as a negotiation tactic
(5) to u n derp lay th e oth er m ore
im portant issu es
55. Th e au th or of th e passage th in k s
th at In di a’s plan n in g for n u clear
rearm am en t is—
(1) going to receive a lot of acclaim
(2) app r eci ated by oth er cou n -
tr ies wit h few reservation s
(3) a m at ter th at irr itated m ost
oth er cou n t ries
(4) n ot con sidered as a d eterren t
policy by th e en em i es
(5) Non e of th ese
56. Wh ich of t h e followi n g con cl u -
sions can be drawn from th e con -
ten ts of th e p assage ?
(A) In d i a’s p ossessi n g n u cl ear
arsen als h as frigh t en ed som e
cou n t ries.
(B) In dia is n ot relu ctan t to si gn
th e CTB T.
(C) U.S. wan ts In d ia to sign t h e
CTBT.
(1) On ly A an d B
(2) On ly B an d C
(3) On ly A an d C
(4) Al l t h e th r ee
(5) Non e of th ese
57. Wh ich of th e followin g in feren ces
can b e d rawn fr om th e con ten t
of th e p assage ?
(1) Most of th e issu es d iscu ssed
between In di a an d U.S. h ave
reach ed con sen su s
(2) In d i a wi l l n ot u se n u cl ear
weap on s in an y situ ation
(3) I n d i a w i l l u s e n u c l ea r
w eap on s t o b l ack m ai l t h e
en em i es
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(4) Before Pok h ran -II, tem pers of
th e oth er cou n t ries h ad n ot
been cooled down
(5) Non e of th ese
Di r ect i on s (5 8 -6 2 ) : Each of
th e followin g qu est ion con tain a sm all
paragrap h foll owed by a qu esti on on
it. Read each p aragraph car efu l ly an d
an swer t h e qu estion s given b elow i t.
(SBI Ban k PO Ex am . 18. 05. 200 3)
58. Th e fu n ction of b u sin ess is to in -
cr ease t h e wealth of th e cou n t ry
an d t h e valu e an d h ap pin ess of
life. It does t h is b y su pplyin g th e
m a t er i a l n eed s o f m en a n d
w o m en . W h en t h e n a t i o n ’s
bu sin ess is su ccessfu lly carri ed
on , i t r en d ers pu b lic servi ce of
th e h i gh est valu e.
Th e paragraph best su pport s th e
st atem en t th at —
(1) al l b u sin esses wh i ch r en d er
pu b lic service are su ccessfu l.
(2) h u m a n h a p p i n es s
enh an ced on ly by th e in crease
of m at eri al wan t s.
(3) th e valu e of li fe is in cr eased
only by the increase of wealth .
(4) the material needs of m en an d
wom en are su ppl ied by wel l-
con du cted b u si n ess.
(5) bu sin ess is th e on ly field of
activi ty wh ich i n creases h ap-
p in ess.
59. Edu cation sh ou l d n ot stop wh en
th e in dividu al h as been prepared
to m ak e a l ivelih ood an d to li ve
in m od ern societ y. Livin g wou ld
b e m ore exi st en t were t h ere i s
n o appreciation an d enjoym en t of
th e r ich es of art, li teratu r e an d
sci en ce.
Th e paragraph best su pport s th e
statem en t t h at t ru e edu cation —
(1) i s focu sed on t h e r ou t i n e
pr obl em s of life.
(2) pr epares on e for a fu ll en joy-
m en t of life.
(3) d ea l s c h i ef l y w i t h a r t ,
li ter atu re an d sci en ce.
(4) is n ot possibl e for on e wh o
d o es n o t en j o y s c i en t i f i c
literatu re.
(5) di sregar ds practi cal en ds
60. Th rou gh adverti sin g, m an u fact-
u r ers exerci se a h i gh degr ee of
con tr ol over con su m er s’desires.
However, th e m an u fact u rer as-
su m es en or m ou s r i sk s i n at -
COMPREHENSION TEST
tempting to predict what con su m-
er s will wan t an d in prod u ci n g
goods in qu an t ity an d di str ibu t-
i n g t h em i n ad van ce of fi n al
selection by th e con su m er s.
Th e paragraph best su pport s th e
statem en t th at m an u factu rers —
(1) ca n el i m i n at e t h e r i sk o f
over p r od u ct i on b y
advert isin g.
(2) com p l et el y con t r ol b u y er s’
n eeds an d desires.
(3) m u st dep en d u pon t h e fin al
con su m er s for th e su ccess of
th eir u n dert ak in gs.
(4) distribu te goods directly to the
con su m ers.
(5) c a n p r ed i c t w i t h gr ea t
accu r acy th e su ccess of an y
p r o d u c t t h ey p u t o n t h e
m ark et.
61. I t i s of t en t h e case t h at ou r
fr ien ds sh ar e sim i lar bel iefs an d
is at tit u des t o u s. In deed th i s m ay
h a v e b een o n e r ea s o n f o r
b ecom i n g fr i en d s i n t h e fi r st
place. For example, n on -sm ok ers
ten d, by an d l arge, t o h ave n on -
sm ok i n g frien ds an d su pporters
of t h e sam e footb all t eam m ay
h ave th i s com m on featu r e as on e
b asi c for t h ei r l i k i n g of each
other.
Th e paragraph best su pport s th e
st atem en t th at —
(1) m ost of t h e p eop l e l i ve i n
sim ilar con dition s.
(2) adversity brin gs th e people of
di fferin g views t ogeth er.
(3) li k in g oth ers i s t h e in h eren t
ch aracteristics of peopl e.
(4) peopl e always try to rest on
th eir l au rels.
(5) b i r d s o f t h e sam e f eat h er
fl ock togeth er.
62. Hon est people in on e n ation fi n d
i t d i ffi cu l t t o u n d er st an d t h e
vi ewpoin ts of h on est p eopl e in
an oth er. For eign m i n istries an d
t h ei r m i n i st er s ex i st fo r t h e
pu rpose of explain i n g th e view-
p oi n t s of on e n at i on i n t er m s
u n derstood b y th e m in i stri es of
an ot h er. Som e of t h ei r m ost
i m p o r t a n t w o r k l i es i n t h i s
d i r ect i on . Th e p ar agr ap h b est
su pports th e st atem en t t h at —
(1) p eop l e of d i ffer en t n at i on s
m ay n ot con sider m atters in
th e sam e ligh t.
-289-

(2) it is u n u su al for m an y people
to sh are sim ilar i deas.
(3) su sp i ci on p r even t s u n d er -
stan din g bet ween n ati on s
(4) t h e c h i ef w or k o f f or ei gn
m in istries is to gu ide relation s
between n ati on s u n ited by a
com m on cau se.
(5) th e people of on e n ation m u st
sy m p at h i se wi t h t h e vi ew-
poin t s of t h e p eop le of oth er
n ation s.
Di r ect i on s (6 3 -7 0 ) : Read t h e
f o l l ow i n g p a s s age c a r ef u l l y a n d
an swer t h e qu estion s given b elow i t.
Certain wor d/ expressi on are pr in t ed
in bo l d in t h e p assage to h el p you
locat e t h em wh ile an swer in g som e of
th e qu estion s.
(SBI Ban k PO Ex am . 18. 05. 200 3)
Ch i ld p sych ology i s cer tai n l y n ot a
stron g point with most In dian sch ools,
wh y el se wou l d i t i n fl i ct a d ou b l e
tr au m a on a st u den t fari n g bad ly in
th e p re-b oar ds by b an n in g h er fr om
t ak i n g t h e ex am s. Oft en wi t h fat al
r esu l t s as evi d en ced b y r ep or t s of
st u den t su icides in th e r u n -u p t o t h e
board . Now t h e Cen tral B oard of Sec-
on dary Edu cation (CBSE) h as stepped
in an d pu t t h e brak es on th e CBSE.
Th i s i s good n ews for p ar en ts an d
st u den ts, m an y of wh om h ave h ad to
live with the threat perform an ce-lin k ed
depar tm en t. Wh i le th e sch ool s’ logic
i s t h at in or d er t o at t r act t al en t ed
st u den ts, n eed to m ain tai n t h eir per -
form an ce record s at h i gh levels. Th ey
assu m p t i on t h at a st u d en t far i n g
poorly in th e pr e boards will r epl i cat e
th is at t h e boards is fau lty. Ch an ces
ar e t h at th e st u den t will be sp u r r ed
t o work d ou b ly h ard . On t h e ot h er
h an d, th e th reat of departm en t will al-
m ost cer tai n ly im p act ad ver sel y h er
perform an ce. Of cou rse, lin k in g p re
board s t o t h e boar ds is on l y on e of
th e pr obl em s wit h ou r sch ool system .
63. Ch oose t h e word wh ich is M OST
OPPOSITE in meaning of the word
‘spu r ’ as u sed in th e passage.
(1) d ep r ess (2) en large
(3) explicate (4) su stain
(5) activate
64. W h i ch i s t h e goo d n ew s fo r
p a r en t s , a c c o r d i n g t o t h e
passage?
(1) Sch ool will tak e th e r espon si-
bility of preparing stu dents for
th e b oar d.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(2) Sch ool will provid e stu d y fa-
ci lit ies to th e poor stu d en t s.
(3) Sch ools will en force disciplin e
to en su re h igh er atten dan ces
of stu den t s.
(4) No st u d en t can b e b ar r ed
from th e boards with ou t prior
cl ear an ce fr om th e CB SE
(5) Teachers will be able to handle
stu den ts well , i f t h ey k n ow
ch i ld p sych ology.
65. Wh at is th e ru lin g of th e CBSE ?
(1) St u den ts m u st p ass th e pr e-
board exam before app eari n g
for t h e board exam .
(2) Sch ool s sh ou l d fol l ow t h e
practice of performance link ed
dep arm en t.
(3) Sch ools sh ou ld m ai n tai n t h e
p er f o r m a n c e r ec o r d o f
st u den ts at h igh l evel.
(4) Sc h o o l s m u s t m o t i v a t e
st u den ts to work h ar d.
(5) Before barrin g an y stu dent for
th e b oard sch ools m u st tak e
prior perm ission of th e CBSE.
66. Wh at is th e fau l ty assu m p tion of
sch ool s, accor d i n g t o t h e
passage ?
(1) St u den ts wh o do n ot do well
a t p r e- b o a r d s w i l l b e
m otivated to work h ar d.
(2) Pre-b oards are gen erally easy
an d t h erefor e stu d en ts tak e
th em ligh tly.
(3) St u den ts wh o fare poor ly at
th e p re-b oar d will fall at t h e
boar ds.
(4) Learn in g by rote is a b ett er
m eth od of l ear n in g.
(5) Stu den ts per form well in l an -
gu ages t h an th at of scien ce
su bject s.
67. Wh i ch of th e followin g accord in g
t o t h e p assage i s t h e p r obl em
wi th ou r sch ool system ?
(1) Pr ovid in g st u d y faci li ti es t o
th e st u den ts
(2) L i n k i n g p r e-b oar d p er for -
m an ce o f st u d en t s t o t h e
boar ds.
(3 ) Teach ers lack of k n owled ge
of ch ild psych ology
(4 ) Attr act in g talen ted stu den ts
(5 ) Low per cen tage of stu den ts
passi n g th e board exam .
68. A c c o r d i n g t o t h e p a s s a ge,
paren ts h ad to live with th e threat
of —
COMPREHENSION TEST
(1) falli n g grad es of th eir ward s.
(2) n o t get t i n g t h ei r w a r d s
a d m i t t ed i n t h e q u a l i t y
sch ool s.
(3) sch ool s n ot t r eat i n g t h ei r
war d s w i t h t h e at t i t u d e of
cou n sellor.
(4) li n k i n g per for m an ce of th eir
wards in pre-boards to th e de-
parm en t.
(5) Sch ool s cr eat i n g t r au m at i c
si tu ation s for th eir ward s.
69. Sc h o o l s w a n t ed t o en f o r c e
per for -m an ce-lin k ed departm en t
in or der to —
(1) get r egu lar gran t-in -aid fr om
th e edu cation d epartm en t
(2) im prove th eir pu blic im age as
a social in stitu tion .
(3) a t t r a c t b et t er qu al i t y
st u den t s.
(4) m ak e st u d en t s awar e t h at
th ey wou ld aspire for t h eir all
rou n d developm en t.
(5) pr ovi de bet ter stu dy m at eri al
to th e stu d en t s.
70. C h o o s e t h e w o r d w h i c h i s
SI M ILAR in m ean in g as th e word
‘r epli cat e’as u sed in th epassage.
(1) en h an ce (2) repeat
(3) p er for m (4) ach ieve
(5) plu n der
Di r ect i on s (7 1 -8 0 ) : Read th e fol-
lowin g p assage car efu lly an d an swer
th e qu est ion s given below it . Certain
words/ ph r ases h ave been p rin t ed in
bold t o h elp you l ocat e th em wh i le
an swerin g som e of th e qu est ion s.
(SBI PO Ex am . 0 9.0 1. 200 5)
Over th e last t h ree cen tu ries, t h e
world econom y h as evolved from a pre-
dom in an tly agricu ltu re-based system
to a digital econ om ic system . Th e ear -
li er econ om i es wer e m ain ly agrarian .
In th is era, capit al d id play a rol e, as
did tech n ological i n n ovation s su ch as
the plou gh, the steamboat or th e train .
Bu t l an d an d labou r were m or e crit i-
cal.
With th e in du strial revolu tion, th e
gl obal econ om y was pr im aril y d riven
by t h e abi lity t o produ ce goods for th e
m ass m ar k et . Th is led to th e i n du s-
trial economy where capital and labou r
were th e m ost im portan t dri ver s.
I n t h e s er v i ce ec o n o m y , t h e
wealt h created by ser vices exceed ed
th e weal th created th rou gh m an u fac-
tu rin g. H ere, t h e abil ity of th e servi ce
-290-

provider to establish a sou n d bu sin ess
gave h i m access to add ition al capital.
Th is evol ved in t o a global econ om y
wh ere good s an d services were trad ed
across in ternation al borders, with little
r est r i ct i on . In t h i s p er i od , cap i t al
st art ed flowin g acr oss borders on all
large scale for th e fi rst tim e.
Th e l ast five year s h ave seen t h e
ad v en t of th e d igi tal econ om y wh ere
t ech n ology i s b ecom i n g th e d ri vin g
force. With information bein g the driver
of valu e an d wealth creation , in form a-
ti on tech n ology is becom in g th e k ey
to su ccess i n a growin g n u m b er of i n -
du str ies. In th e di git al econ om y, t h e
power of in n ovation an d ideas gain ed
th e u pper h an d over d irect access to
capital.
Th e In dian economy is in a u niqu e
in term s of its econ om ic evalu ation .
Wh ile m an u fact u rin g an d ser vice i n -
du str ies in In dia can n ot fr eel y access
capit al, th e n ew breed of IT -b ased i n -
du str ies h ave access t o ven t u re cap i-
tal an d p rivate equ ity. Th e cou n try’s
poten tial in th is em er gin g sector h as
op en ed th e d oor s t o cap it al in flows
that are still not available to t radi t i on al
in du stries.
Th ere are two k ey tren ds wh i ch
will boost th e dem ocratisation of capi-
tal, eit h er dir ect ly as fu n din g sou rces
or in directl y.
M or e effect i ve cap i t al m ar k et
r ou t es— esp eci al l y for i n for m at i on -
based an d software com pan ies.
This is already happen in g rapidly.
A m ar k et t h at was su p p osed t o b e
st agn at i n g with no pu blic offerin g from
th e m an u fact u ri n g sect or in th e fir st
qu art er of th e fi scal year, m ay see as
m an y see as m an y as 2 0-2 5 n ew soft-
w ar e i ssu es t h i s y ear. Nu m er ou s
in ter n et an d e-com m er ce com p an i es
are tap pin g fu n ds t h rou gh t h e capit al
m ark et. For th e fi n an cial in ter m ed i-
ar ies as wel l as for th e in vest in g pu b-
li c, dot com or ‘in fo’ in iti al offerin gs
are fast becom in g attractive investment
alter natives to traditional m an u factu r -
in g or fi n an cial sector offer s.
Wi th m or e effective capi tal m ar -
k et s, for h i gh p ot en t i al IT st ock s,
‘cri t i cal m ass’, wh ich in th e in du strial
econ om y was pri m ar y i n en su r in g a
com pan y’s abil ity to raise capi tal, will
cease to m at ter. Th is u n derl in es t h e
m an n er in wh ich a bu r geon i n g digital
econ om y h as led to a redeploym en t of
capit al from a con cen trated segm en t
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
t o t h e sm all er k n owled ge en t rep re-
n eu r.
A greater n u m ber of ven tu re capi-
talists acti vel y seek i n g to fu n d bu d-
di n g k n owl edge en t rep ren eu rs. Alon g
with th e rise in Net en trepren eu rs on e
h as seen t h e em er gen ce of a n ew
b r eed of ven t u r e ca p i t a l i s t s w h o
recogn ise th e pot en tial th at resides in
t h ese i d eas . Th e em er gen c e an d
st ren gth en in g of t h e vir tu al econ om y
n ecessit ates sou rces of fu n d s at t h e
‘ideation ’stage wh ere bu sin ess plan s
m ay still be at th e in fan cy stage an d
pot en ti al n ot clearly iden tifi ed.
Th is n eed is bein g fu lfilled by th e
incu bator fu nds or th e angel in vestors
who hand-hold interenet start-u ps and
ot h er in fot ech ven tu r es til l t h e stage
at wh ich th ey can att ract bi gger i n -
vest or s. In st ead of look in g at h i gh
ri sk bu t big ven t u r es, t h is gen r e of
ven tu re cap italists are look in g at i n -
vestm en ts in com pan ies wh ich h ave
the potential of excellen t valu ations in
t h e fu t u r e on t h e st r en gt h of th ei r
ideas.
71. Wh ich of th e fol lowin g h as been
r at ed as m ost cr u ci al i n agro-
based econ om y ?
(A) Capital, steamboat and train s.
(B) Tech nological in novations lik e
pl ou gh , et c.
(C) Lab ou r an d lan d.
(1) On ly A an d B
(2) On l y C
(3) On l y B
(4) On ly A
(5) Non e of th ese
72. How d id service econ om y evol ve
in to a global econ om y ?
(1) Th e weal t h gai n ed t h r ou gh
ser vi ces ex ceed ed t h e gai n
th rou gh man u factu re
(2) Th e services star ted fl owi n g
across borders
(3) Th e l abou r started prod u cin g
goods for m ass m ark et
(4) Th e t r ad e for ser vi ces an d
good s cr ossed t h e In t er n a-
tion al bor ders
(5) Non e of th ese
73. Wh ich of th e fol lowin g best d e-
scribes the phrase ‘cri t i cal m ass’
as u sed i n t h e passage ?
(1) Parad igm sh i ft fu n d base to
k n owledge base.
(2) Th e n et worth of sm all k n owl-
ed ge en tr epr en eu r.
COMPREHENSION TEST
(3) Th e abil ity of an organ isat ion
to rai se fu n d s.
(4) Th e su m total capital of in du s
trial econ om y.
(5) Non e of th ese
74. Th e p u bl ic of wh ich t ype of com -
pan ies ar e p referred b y th e i n -
vestors at p resen t ?
(1) Servi ce sector com pan ies.
(2) Agro b ased com pan ies.
(3) I n for m at i on b ased com p a-
n ies.
(4) Compan ies dealin g with finan-
ci al sector.
(5) Non e of th ese
75. Wh at i m p act on econ om y h as
been en vi saged owin g t o ri se in
n et en terpr ise ?
(1) Th e ven t u re capit ali sts h ave
star ted fin an cin g t h e proj ects
even at t h e plan n i n g stage.
(2) Th e economic plann in g will no
m ore be realistic n ow.
(3) Th e fu n d i n g of u n p l an n ed
pr ojects h ave i n creased.
(4) Virtu al econ om y h as n ecessi-
tated the sou rce of fu n ds from
abroad.
(5) Non e of th ese
76. Wh ich tren d boost capital growth
in th e m odern era ?
(1) Con version of land and labou r
to pri vat e equ it y.
(2) Con vertin g m anu factu ring in -
du str ies in to service sector.
(3) Gen eratin g resou rces throu gh
in tern ation al trade.
(4) Prom otin g in form ation based
an d soft ware com pan ies.
(5) Non e of th ese
77. Which of th e following statements
is NOT T RUE in th e con text of
th e p assage ?
(1) Th e r eal est at e an d l ab ou r
fo r ce w a s t h e st r en gt h of
agr arian econ om y.
(2) Ser vice econ om y su r passed
th e in du strial econ om y.
(3) Th e in form ation techn ology is
t h e k ey t o su ccess i n t h e
pr esen t con tex t.
(4) Th e ven t u r e cap i t al i st s ar e
on ly fin an cin g th ose sectors
wh ich lay em ph asis on pr o-
d u ct i on of good s on m ass
scale.
(5) In for m ati on based an d soft-
ware com pan ies ar e effecti ve
in boostin g capit al m ark et.
-291-

78. Wh at i s m ean t by an gel in ves-
tors?
(1) Th e i n vest ors wh o fu n d t h e
pr oject til l su ch tim e i t star ts
at tractin g l arge in vestm en t.
(2) Th ose p eopl e wh o ar e com -
m i t t ed t o d ev el op v i r t u a l
econ om y.
(3) Th e i n vestor s wh o in vest on
beh al f of som eon e else.
(4) Those who in vest in on ly com -
pan ies wh o h ave an excellen t
evalu ation .
(5) Non e of th ese
79. Wh ich of th e followin g is a p ower
beh in d di gital econ om y ?
(1) The capital gen erated throu gh
in n ovation an d i deas.
(2) Th e ventu re capital gen erated
th rou gh sale of lan d.
(3) Th e force of labou r an d cap i-
tal i n m an u fact u ri n g i n du s-
tr ies.
(4) Th e abilit y of service provi der
to set u p a sou n d bu si n ess.
(5) Non e of th ese
80. Wh ere was th e sh ift in em p h asis
in i n du strial econ om y ?
(1) Th e l abou r force b ecam e r e-
du n dant.
(2) The techn ological in novation s
were over rated.
(3) Th e capi tal got an edge over
lan d.
(4) Class mark ets tu rn ed to mass
m ark et s.
(5) Non e of th ese
Di r ect i on s (8 1 -9 5 ) : Read th e fol-
lowin g p assage an d an swer t h e qu es-
ti on s gi ven bel ow it. Certai n word s/
ph rases are given i n b old to h el p you
locat e t h em wh ile an swer in g som e of
th e qu estion s.
(SBI PO Ex am . 2 6.1 1. 200 6)
In a disarm i n gl y fr an k talk at t h e
In dian Merch an ts Chamber in Mu mbai
t h e J ap an ese Am b assad or i n In di a
dwelt at len gt h with issu es th at exer -
ci se th e m i n d of J apan ese i n vestors
wh en th ey con si der in vest m en t pr o-
posals in In di a.
Raisin g t h e qu estion “Wh at com -
parat ive advan t ages d oes In d ia offer
as an in vestm en t m ark et ?”, h e said
th ou gh labou r in In dia is in expen sive,
wage levels ar e offset b y p rod u ct ivi ty
level to a l arge ex ten t.
Ack n owledging th at vastn ess of th e
In dian m ark et i s a gr eat i n du c em en t
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
for i n vestm en t in m an u factu rin g i n -
du str y h e won dered if it was j u st i f i -
abl e to provid e t h at overseas r em i t-
tan ce of pr ofi t i n forei gn exch an ge to
fu l l y cover ed b y ex ch an ge b e fu l l y
cover ed by exch an ge earn in gs as h ad
been don e. Sign ifi can tly, on th e eve
of th e Prim e Mi n ister ’s visit t o J apan ,
th e Govern m en t del in k ed profit s r e-
patri ation from exp ort s, m eetin g th is
dem an d.
Th e Am bassad or said foreign i n -
vestors n eeded to be assu red of t h e
con ti n u i ty an d con sisten cy of th e li b-
eralization policy an d th e fact that new
m easu res h ad b een pu t in to for ce by
m ean s of adm in i strative n oti fication s
wi th ou t am en di n g Govern m en t laws
acted as a d am per.
T h e A m b a s s a d o r p l ea d ed f o r
sp eed y form u lat ion of th e ex it p oli cy
an d p oin t ed to th e h igh ly restri cti ve
con tr ol by th e Govern m en t on d isi n -
vestm en t by for eign partn ers in joi n t
ven tu r es in In di a.
Wh ile it is al l too easy to di sm i ss
cr iti cal com m en t on con di tion s i n In -
di a c o n t em pt u o u sl y , th er e can b e
li ttl e d ou bt th at if for eign in vestm en t
is to be wooed assi du ou sl y , we wi ll
h ave to m eet exacti n g in tern ati on al
st an d ard an d cater at least part ial ly
to wh at we m ay con sider th e i di o sy n -
cr asi es of ou r foreign collaborator s.
The J apanese too h ave passed th rou gh
a stage in t h e fifties wh en th eir prod-
u cts were divided as su bstan dard an d
sh odd y . Th at t h ey h ave com e ou t of
th e ordeal of fire to em erge as an eco-
n om ic su p per power sp eak s as m u ch
of th eir doggedn ess t o p u rsu e goals
again st all odd s as of t h ei r ab ili ty to
im provise and adapt to in tern ation ally
accept abl e stan d ard s.
Th ere is n o gain -sayi n g th at t h e
past record of J apan ese in vestm en t
is a poor ben ch m ark for fu tu re exp ec-
tation s.
81. Th e au th or h as app reciated t h e
J apan ese for th eir
(1) qu alit y of produ ct s m an u fac-
tu red in th e fi fti es
(2) passin g th rou gh an ord eal
(3) perseveran ce for raisin g qu al-
it y of pr odu cts
(4) fu t u re expectati on s
(5) Non e of th ese
82. Accor din g t o th e J apan ese Am -
bassador, wh ich of th e foll owi n g
m otivates th e foreign in vestors to
in vest in In dian m an u fact u ri n g
COMPREHENSION TEST
in du stry ?
(1) Ver y l ar ge scop e of In d i an
m ark et
(2) Overseas rem itt an ce of p rofit
in forei gn exch an ge
(3) Assu ran ce of con tin u ity of th e
liberalisation policy
(4) High pr odu ct ivity levels
(5) Non e of th ese
83. The pu rpose of th e au thor in writ-
in g t h is passage seem s t o b e t o-
(1) discou rage foreign in vestm en t
in In dia
(2) cr iti cal ly exam in e In dian i n -
vestm en t en viron m en t
(3) pain t a rosy p ict u re of In dia’s
tr ade an d com m er ce
(4) c r i t i c i s e G o v er n m en t ’s
liberalisation policy
(5) raise th e ex pectat ion s of for -
ei gn in vestors
84. Wh ich of th e followin g su gges-
tion s were expected by th e J apa-
n ese Am bassador ?
(A) Speed y form u lat ion of th e ex-
ist pol icy
(B) Im posin g restri cti on s of di s-
i n vest m en t by forei gn part -
n ers in joi n t ven t u res i n In -
dia.
(C) Con tinu ity an d consisten cy of
th e liberalisation policy
(1) Al l t h e th r ee
(2) (A) & (B) on ly
(3) (B) & (C) on ly
(4) (A) & (C) on ly
(5) Non e of th ese
85. Accor din g t o th e J apan ese Am -
bassador, In dia offers a com para-
ti ve advan t age of for eign i n ves-
tors in ter m s of --
(1) in expen sive labou r
(2 ) abysm al ly l ow wage l evels
(3) h i gh er produ ctivity
(4 ) sk ill ed work for ce
(5 ) Non e of th ese
86.For seek i n g m ore an d m ore for -
eign in vestm en t, th e au th or su g-
gests th at we sh ou ld ----
(1) satisfy fu ll y t h e wh i m s of ou r
foreign collabor ators
(2) dism iss all cri tical com m en ts
on In dian con dition s
(3) lin k profit repatriation s to ex-
ports
(4) raise th e qu alit y of p rodu ct of
match international standards
(5 ) Non e of th ese
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87. Fr om th e passage i t can b e i n - Di r ec t i o n s (9 3 -9 5 ) : Ch oose t h e
ferred t h at th e au th or i s --- wor d wh i ch i s m ost OPPOSI T E i n
(1) a political com m en tator m ean i n g of th e wor d p rin ted in bo l d
(2) a secr etary of t h e J apan ese as u sed in th e passage.
Ambassador 93. i n ducem en t
(3) A J ap an ese in vest or (1) in cen tive (2) motive
(3) breach (4) temptation
(4) an In d ian in vest or
(5) Non e of th ese (5) impedim en t
88. Th e au t h or at tr i b u t es J ap an ’s 94. j u st i fi abl e
em ergen ce as an econ om i c su - (1) u nreason able
per p ower t o --- (2) form idable
(A) Th eir ab ili ty t o over com e an y (3) irr evocable
or deal. (4) u n scru pu iou s
(B) th eir ten acity an d p ersever - (5) in evitable
an ce d esp i t e u n favou r ab l e 95. con t em pt uou sl y
circu m stan ces.
(1) am icably (2) reason ably
(C) th eir abi lit y t o i m pr ovise an d
(3) respectfu lly (4) meth odically
ad apt to gl obally accep tab le (5) in decisively
qu ality levels.
Di r ec t i o n s (9 6 –1 0 5 ) : Read t h e
(1) (A) & (B) on ly followin g passage t o an swer th e given
(2) (B) & (C) on ly qu est i on s. Som e wor d s h ave b een
(3) (A) & (C) on ly pr in ted in bo l d to h el p you to l ocate
(4) Al l of th r ee t h em wh il e an swer i n g som e of t h e
(5) Non e of th ese qu estion s.
89. Wh ich of th e fol lowin g statem en t (SBI Associ at e Ban k s PO
Ex am . 0 7. 01. 200 7)
(s) is/ are t r u e abou t t h e cri tical
com m en ts on in vest m en t con d i- We ten d t o b e h arsh on ou r b u -
ti on s in In dia ? r eau cracy, b u t n owh ere d o cit izen s
en joy dealin g with th eir govern m en t.
(A) Th ese com m en ts ar e d ifficu lt
Th ey do it b ecau se th ey h ave to. B u t
to be cou n t ered.
th at doesn ’t m ean t h at t h e ex perien ce
(B) Th ese com m en ts are recei ved h as to be di sm al . Now th ere is a n ew
fr om var i ou s i n t er n at i on al win d blowin g th rou gh govern m en t de-
qu arter s. partm en ts ar ou n d t h e worl d, wh i ch
(C) Th ese com m en t s are b ased cou ld tak e som e of th i s p ain away. In
m ore on bases th an on fact s. th e n ext fi ve years i t m ay wel l t ran s-
(1) On ly (C) (2) On ly (B) form n ot on l y t h e way pu b lic ser vices
(3) On ly (A) (4) (A) & (B) on ly ar e d eli vered b u t also t h e fu n d am en -
(5) (A) & (C) on ly tal r elation sh ip b etween gover n m en t
an d citizen s. Not su rprisin gly, it is th e
Di r ec t i o n s (9 0 -9 2 ) : Ch oose t h e
In tern et t h at is beh in d it. After e-com -
word wh ich i s m ost n early th e SAM E
m erce an d e-bu sin ess, th e n ext revo-
in m ean in g as th e word printed in bold
lu tion m ay b e e-govern an ce.
as u sed in t h e passage.
E x a m p l es ab o u n d . Th e
90. Assi du ou sl y m u n i ci p al i t y of Ph oen i x , Ar i zon a,
(1) persisten tly (2) h ast ify al lows i ts cit izen s t o r en ew t h ei r car
(3) feebly (4) deliberately registration s, pay tr affic fi n es, rep lace
(5) inn ocen tly lost iden tit y card s etc. on lin e wi th ou t
91. I di osy n crasi es h avin g t o st an d in en dless qu eu es in
a gr u b b y m u n i c i p a l o f f i c e. T h e
(1) dem an ds (2) n eeds
m u nicipality is h appy becau se it saves
(3) deviation s (4) ideologies $5 a tran sction –i t costs on ly $1.60 to
(5) iden tify pr ocess an on li n e tran saction versu s
92. Sh oddy $6 .60 to do it acrosss t h e cou n ter. In
(1) extraordinary Ch ile, p eopl e r ou t in ely su bm it th eir
(2) shabby in com e tax r etu rn s over t h e In tern et,
wh ich h as i n creased t r an sp ar en cy,
(3) cheap
drastically redu ced th e time tak en an d
(4) disadvan tageou s
th e n u m ber of errors and litigation with
(5) u nprofitable
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
COMPREHENSION TEST
th e t ax dep art m en t . B oth tax p ayers
an d t h e r ev en u e d ep ar t m en t a r e
h app ier.
T h e f u r t h es t a h ea d , n o t
su r pr isin gl y, i s th e sm al l, r ich an d
en t r ep r en u r i a l c i v i l s er v i c e o f
Sin gapore, wh ich al lows citizen s to do
m ore fu n ction s on lin e t h an an y oth er.
As in m an y p ri vat e com p an i es, th e
pu rch asin g an d bu yin g of Sin gapore's
govern m en t depart m en ts i s n ow on
t h e Web , an d cost b en efi t s com e
t h r ou gh m or e com p et it i ve b i dd i n g,
easy access to global su ppl ier s an d
t im e saved by on l i n e pr ocessin g of
orders. Th ey can post th eir catalogu es
on th eir sit e, bid for con t ract s su bm it
i n voi ces an d ch eck th ei r p aym en t
st atu s over th e Net.
Th e m ost u sefu l idea for In di an
m u n icipal iti es is Gov Wor k s a pr ivate
sect or -r u n si t e t h at col l ect s l ocal
taxes, fin es, an d u tility bill s for 3,600
m u n i ci p al i t i es acr os s t h e U n i t ed
States. It is a cit izen 's site, wh i ch also
pr ovi des in form ation on gover n m en t
jobs, ten ders, etc. Th e m ost ambitiou s
is th e B riti sh govern m en t, wh ich h as
t ar geted to con ver t 10 0 per cen t of
its tran saction s with its citizen s to th e
In ter n et by 200 5.
Cyn ics in In dia wi ll say, ‘Oh , e-
gover n m en t will n ever work i n In di a.
We ar e so p oor an d we d on 't h ave
com p u t er s.’ B u t t h ey ar e w r o n g!
Th ere ar e m an y exp eri m en ts afoot in
I n d i a as wel l . Ci t i zen s i n An d h r a
Pr ad esh can d own l oad gover n m en t
form s and su bm it applications on th e
Net with ou t h avin g to bribe clerk s. In
m a n y d i st r i ct s, l an d r ecor d s a r e
o n l i n e a n d t h i s h a s c r ea t ed
t r an sp ar en cy . Si m i l ar l y , i n D h ar
di str ict to Mad h ya Pradesh , vill agers
h ave b egu n t o fi l e ap pl i cat i on s for
l an d t r a n sf er es an d f ol l ow t h ei r
progress on th e Net. In seven ty village
in th e Kolh apu r an d San gli d ist ricts
i n M ah ar ash t r a, I n t er n en t b oot h s
h ave com e u p wh er e far m er s can
d ai l y c h eck t h e m a r k et r at es o f
agr icu lt u ral com m odities in Marat h i,
a l on g w i t h d a t a o n a gr i c u l t u r a l
s c h em es , i n f o r m a t i o n o n c r o p
tech n ology, wh en t o spray an d plan t
t h ei r cr op s an d b u s an d r ai l w ay
ti m et ables. Th ey al so fin d vocat ion al
gu i d an ce on j ob s, ap p l i cat i on s for
rati on car ds, k erosen e/ gas b u r n ers
an d l an d record ext racts wit h detai ls
of lan d own ersh i p.
-293-

Sam Pitroda's World Tel, Reliance
I n d u s t r i es a n d t h e T a m i l N a d u
gover n m en t are joi n tl y l ayi n g 3,0 00
k m of op tic fi bre cabl es to create a
Tam i l Network wh ich will offer ration
car d s, sch ool col l ege an d h osp i t al
ad m ission form s, lan d records, an d
pen sion records. If su ceessfu l, Wor ld
T el w i l l ex p a n d t h e n et w o r k t o
Gu jarat, Kar n atak a an d West Ben gal.
In Keral a, all th e vi llages are getti n g
l i n k ed o n l i n e t o t h e d i s t r i c t
h ead qu ar t er s, al l owi n g ci t i zen s t o
compare th e developm en t priorities of
th eir village with oth er villagers in th e
state.
M an y ar e st i l l sk ep t i cal of t h e
real im pact b ecau se so few In dian s
h ave com p u ters. Th e an swer li es in
in teractive cable. T.V. an d in In tern et
k i osk s. Alth ou gh In di a h as on ly fi ve
m i l l ion com p u t er s an d t h i r t y-ei gh t
m i lli on tel eph on es, i t h as th i rty-fou r
m i l l i on h om es wi t h cab l e TV an d
t h ese ar e gr owi n g ei gh t p er cen t a
year. By 20 05 m ost cable h om es wi ll
h ave access t o t h e I n t er en et fr om
m an y of t h e 7 00,0 00 local STD/ PCO
b oot h s. In t ern et u sage m ay b e low
today, bu t it is bou n d to grow rapidly
i n t h e fu t u r e, an d e-gover n an ce i n
In dia m ay n ot be a dr eam .
96. Accord in g to th e passage, wh i ch
cou n t ry h as th e m ost am bi tiou s
pl an for e-govern an ce ?
(1) USA (2) Chile
(3) Sin gapore (4) India
(5) UK
97. GovWork s i s work in g in wh ich of
th e foll owi n g cou n tr ies ?
(1) India (2) UK
(3) Chile (4) Sin gapore
(5) Non e of th ese
98. Ch oose th e word th at is opposi t e
in m ean in g of th e word “di sm al ”
as u sed in t h e passage.
(1) grim (2) ap pr ove
(3) pleasin g (4) bet ter
(5) enrich
99. H ow can I n d i a over com e l ow
pen etr ati on of com p u ters for e-
govern an ce ?
(1) B y m a n u f a c t u r i n g m o r e
com pu ters
(2) T h r o u gh c a b l e T V a n d
In tern et Kiosh s
(3) By open in g m or e STD / PCO
booths
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(4) By m ak in g th e i n tern et fr ee
(5) By pu ttin g m ore services on
in tern et
100. Wh ich of th e foll owi n g h as n o t
b een o n e o f t h e ef f ec t s o f
su bmittin g in come tax retu rn over
in t ern et in Ch i le ?
(1) Redu ction of legal cases
(2) Redu ction i n errors
(3) In crease in tran sparen cy
(4) In crease in n u m ber of retu rn s
(5) Red u cti on in tim e tak en
101. Ch oose t h e wor d t h at is sam e in
m ean i n g as th e word “abou n d”
as u sed in t h e passage.
(1) arou nd (2) proliferate
(3) flou rish (4) plentifu l
(5) few
102. Ch oose t h e wor d t h at is sam e in
m ean i n g as th e word “post ” as
u sed in th e passage.
(1) deli ver (2) sen d
(3) pu t u p (4) dr op ou t
(5) later
103. Accor din g to th e p assage wh i ch
cou n t ry is at pr esen t th e m ost
ad van ced in e-govern an ce ?
(1) Sin gapore (2) Chile
(3) India (4) USA
(5) UK
104. In wh i ch d i r ect i on i s t h e n ew
win d bl owin g ?
(1) More an d m ore in t eracti on of
c i t i zen s w i t h go ver n m en t
th rou gh in tern et
(2) Ou tsou rci n g th e work of i n -
f r a s t r u c t u r e c r ea t i o n f o r
in tern en t
(3) In creasi n g th e pen etr ati on of
com pu ters in ru ral areas
(4) In t egr at i n g e-com m er ce, e-
bu sin ess an d e-gover n an ce
(5) In trodu cing e-govern ance pro-
gr a m m es i n s c h o o l s a n d
coll eges
105. Accor din g to th e p assage, wh at
i s t h e an n u al gr ow t h r at e of
com pu ter in In d ia ?
(1) 8%
(2) 5%
(3) 0·5%
(4) Not m en tion ed
(5) Non e of th ese
Di r ec t i o n s (1 0 6 -1 1 5 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer th e qu estion s given below it. Cer -
tain word s are pri n ted in bol d t o h elp
you t o locat e t h em wh i le an sweri n g
COMPREHENSION TEST
som e of th e qu est ion s.
(SBI PO Pr el i m i n ar y (Ti r e-I )
Ex am . 2 7. 04. 200 8)
Th er e i s absol u tely n o p oin t in
com plai n in g th at over th e years, th ere
h as b een pressu re for in creased pr o-
du ctivity and h igher earnings for work -
ers in in du stry. There are several ways
for in creasi n g em p loyees’ ear n i n gs.
Em ployee ear n in gs can be in cr eased
by raisin g th e selling price of th e firm ’s
pr odu cts an d services, r edu cin g prof-
it s or cost s of r aw m aterials, or au g-
m en ti n g lab ou r produ ctivity. H owev-
er, in cr easin g em p loyee ear n in g b y
means other th an in creased labou r pro-
du ctivity j eopar di ses t h e fir m ’s com -
petit ive st ren gth in th e m ark et. High -
er pr ices u su al ly m ean fewer cu stom -
er s, red u ced pr ofi t m ean s less cap i-
tal i n vestm en t, an d l ow-cost m ater i-
al s m ean poor prod u ct qu ali ty. Bu t,
in creasin g l abou r p rod u ct ivi ty b y en -
h an cin g sk i lls an d m oti vati on creat es
an al m ost u n l i m it ed r esou r ce. Th e
devel opm en t of econ om i c r esou rces,
h u m an as wel l as n on h u m an , i s t h e
produ ct of hu m an effort, an d the qu al-
it y of h u m an effort in large par t d e-
pen ds on h u m an m otivation .
En th u sin g em ployees with wor -
k ah ol ic spi rit th rou gh t rad iti on al au -
th ori ty an d fi n an ci al in cen t ives h as
becom e i n creasi n gl y d ifficu l t as em -
pl oyees b ecom e econ om i cal ly secu re
an d th eir depen den cy on an y on e par -
t i cu lar or gan i sat i on decr eases. Ac-
cordi n g to expectan cy th eori sts, t h e
m otivation to work in creases wh en an
em ployee feels h is perform an ce is an
in str u m en t for obt ain in g desired r e-
wards. Never th eless, in m an y or gan i-
sation s today em pl oyees are en t itl ed
to or gan i sat ion al r ewards ju st b y b e-
in g em ployed . Un ion s, govern m en t al
regu l ati on s, an d th e n at u re of th e j ob
it sel f i n som e cases preven t m an age-
m en t from relat in g fi n an cial rewar ds
t o per for m an ce. Peop l e m ay b e at -
tr act ed t o j oin an d rem ai n i n or gan i-
sation s t o r eceive organ i sat ion al r e-
wards, bu t b ein g m otivated t o join an
or gan isat ion is n ot th e sam e as bei n g
m otivated to ex ert effor t i n an or gan i-
sation . Th e ch allen ge to m an agem en t
is to fin d an d adm i n ister al tern ati ve
form of i n cen tives wh i ch will i n du ce
em p l oyees t o i m p r ove work p er for -
m an ce. Su ch alt ern ati ve form s of r e-
in forcem en t will requ ire in creased u n -
derst an d in g of m ot ivation al th eori es
an d program m es.
-294-

106. Which of th e following statements
is TRUE in th e con text of th e pas-
sage ?
(1) Devel opm en t of econ om i c r e-
sou rces is primarily th e prod-
u ct of m ark et con di tion s
(2) Earn in gs can be i n creased by
lower in g th e selli n g pri ce of
prod u cts
(3) Em ployees can b e b est m ot i-
vated by providing fin ancial in-
cen ti ves
(4) All em ployees sh ou ld be en ti-
tled to organ isation al rewards
ju st by bei n g em p loyed
(5) Non e of th ese
107. Or gan isat ion s can der ive m ax i-
m u m advan tages by
(1) providin g fin ancial in cen tives
t o em p l oyees r egar d l ess of
perfor m an ce
(2) en h an cin g labou r produ ctivi-
t y b y i n cr easi n g sk i l l s an d
motivation
(3) en cou ragin g employees to ex-
pen d greater p h ysical en er gy
(4) i n d u ci n g em p l oyees t o i m -
pr ove work perform an ce an d
con trol th eir d em an ds
(5) str i ct ly ad h er in g t o govern -
m en tal regu lation s
108. Accor din g t o t h e p assage, all of
th e followin g con tribu te to an in -
crease in em ployee earn in gs EX -
CEPT
(1) in creasin g th e selli n g p rice of
th e com pan y’s p rodu cts
(2) redu cin g pr ofit s i n favou r of
em ployees
(3) p r o vi d i n g i n c en t i v es a n d
fr in ge b en efit s t o em pl oyees
(4) en h an cin g labou r produ ctivi-
ty
(5) in creased capital i n vestm en t
109. Employees feel m otivated to work
wh en th ey
(1) experien ce good work in g con -
dition s in th e organ isation
(2) decid e to pr odu ce good s an d
servi ces as a resu lt of team
work
(3) th in k of perform an ce as a tool
for ob tai n in g rewar ds
(4) r el at e r ew ar d s t o m at er i al
prosper ity
(5) ar e m em bers of th e u n i on
110. Ch oose t h e word wh ich is M OST
SI M I LAR in m ean in g to th e word
‘i n du c e’as u sed i n t h e passage.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(1) appreciate (2) stimu late
(3) exh ibit (4) in flate
(5) th reaten
111. Wh ich of th e fol lowi n g fact or s,
accor d i n g t o t h e p assage, ad -
ver sely affects th e organ isation ’s
com p etitive stren -gth ?
(1) Mak ing rewards contingen t on
perfor m an ce
(2) An t i -p r od u ct i vi t y an d an t i -
m an agem en t act ivi ties of l a-
bou r u n ion s
(3) Motivating employees with tra-
dition al au thority
(4) In creasin g em ployee earnin gs
regar dless of t h ei r p rodu cti v-
ity
(5) Non e of th ese
112. Wh ich of th e st atem en ts i s/ are
n ot t ru e in th e context of the pas-
sage?
(A) Hu m an effor t i s t h e cau se of
th e d evel opm en t of econ om ic
r esou r ces.
(B) Man agem en t is free t o r elate
fi n an cial r ewar ds to p er for -
m ance.
(C) Em ployees can b e easil y m o-
t ivat ed wit h tr ad it i on al au -
th ority today.
(1) Both (A) an d (B)
(2) On ly (C)
(3) Both (A) an d (C)
(4) Both (B) an d (C)
(5) Non e of th ese
113. Wh ich of th e followin g factors de-
term i n e th e qu alit y of h u m an ef-
forts ?
(1) Desir e an d wil lin gn ess of an
in d ividu al to excel i n wh at ev-
er h e u n der tak es
(2) Econom ic resou rces available
with th e or gan isation
(3) Th e in di vid u al’s in n ovat ive-
n ess
(4) Au th oritari an leadersh ip an d
job secu ri ty
(5) Non e of th ese
114. In th e con t ext of th e passage, a
com pan y’s com petit ive str en gth
in th e m ark et is affected m ain ly
becau se of
(A) a slu m p in th e in ter n at ion al
m ark et
(B) poor inter -departm ental coor -
dination
(C) decreased l abou r produ ctivi-
ty
COMPREHENSION TEST
(1) On ly (A)
(2) On ly (B)
(3) On ly (C)
(4) Both (B) an d (C)
(5) Non e of th ese
115. Wh ich of th e fol lowin g wor ds is
m ost opposi t e in m ean in g to th e
word ‘j eopardi ses’as u sed in th e
passage ?
(1) safegu ar ds
(2) en d an gers
(3) pr oj ects
(4) devalu es
(5) d ecreases
Di r ect i on s (1 1 6–1 2 4) : Read th e
foll owi n g p assage car efu ll y an d an -
swer th e qu estion s given below it. Cer -
tain wor ds are gi ven in bol d i n t h e
passage to h elp you locate th em wh ile
an swerin g som e of th e qu est ion s.
(SBI PO Pr el i m i n ar y (Ti r e-I )
Ex am . 2 7. 07. 200 8)
Swam i Vivek an an d h ad said, “So
lon g as th e m illions live in h u nger an d
i gn or an ce, I h ol d ever yon e t r ai t or,
wh o, h avi n g been ed u cated at th eir
ex pen se, pays n ot th e least h eed to
th em ”.
Th is issu e h as becom e r el ev an t
in th e light of the recen t fall from grace
of th e Am eri can cap italist i m age. Th e
En ron , Wor ld .com an d Xer ox exp o-
su res h ave r evealed t h e u gly si de of
Wester n style capitalism u n der which ,
i n t h e q u est for sh or t - t er m gai n s,
wr on g doi n gs ar e overl ook ed. As a r e-
su lt peop le h ave lost tru st in corp o-
rate per for m an ce an d th ose in volved
in it.
Fu rth er, m an y of th ose in volved
in th ese scan dals were h igh ly edu cat-
ed. In In dia too, we h ave h ad ou r share
of su ch scam s in th e stock m ark et an d
th e actor s i n volved in th em were ed u -
cated m en .
Earn i n g of profits is, n o d ou b t,
th e m ain aim of an y bu sin ess. Bu t, if
th ey are ear n ed wi th pri n cip les th ey
en r ich peop le’s lives. As t h e J agad gu -
ru San k ar ach arya says, “ All for each
an d each for al l” sh ou ld be th e m ot to
of en l i gh t en ed m en .
JRD Tata u sed to say “While prof-
it m otive, n o dou bt, provides th e m ain
sp ark for an y econ om i c acti vit y an y
en ter pri se wh ich i s n ot m oti vat ed by
con si der ati on of u rgen t ser vice t o t h e
com m u n i ty becom es obso l et e soon
an d can n ot fu lfill its real rol e in m od-
er n soci ety”.
-295-

Wh en we tal k of in vestin g i n ed-
u cati on , a qu estion ar ises as to wh at
k i n d of edu cat ion n eeds to be given
t o t h e you n gst er s. Ou r ai m i s t o
ev ol v e n ot on ly an af fl u en t soci et y,
bu t an egali tar ian , j u st , h u m an e an d
com passion at e soci et y. For th at we
n eed p eop l e wh o p ossess n ot on l y
h i gh sk i lls bu t h i gh val u es as wel l.
So th e n eed of th e h ou r i s n ot
on ly sk ill-based edu cation bu t also val-
u e-in spir ed an d val u e-based edu ca-
t i on . We can fi n d an sw er for t h e
presen t sick n ess in con tem porary civ-
ilization in th e In dian ph ilosoph y.
116. Accord in g to th e au th or, a tr u e
bu sin essman sh ou ld
(1) earn profit regard less of an y
con sideration
(2) ru n b u sin ess pr ofi tabl y an d
eth ically
(3) con du ct b u si n ess with pri n -
ci ples d esp ite m ak in g l osses
(4) sh ou ld h ave least con cern for
en rich m en t of people’s lives
(5) Non e of th ese
117. Th e au th or h as poin ted ou t th at
th e peopl e i n vol ved in scan dals
an d scam s were
(1) Soci al Wor k ers
(2) Pol itical Leaders
(3) Edu cated people
(4) Corporat e Govern ors
(5) Non e of th ese
118. Th e au th or h as given th e exam -
pl e of En ron , Xerox, etc. t o em -
ph asize t h e p oin t th at
(1) th e west ern style of cap ital-
ism is advan tageou s
(2) overcom in g sh or t-t erm gai n s
is n ot d esi rab le
(3) we sh ou ld bu ild u p tru st in
corpor ate perfor m an ce
(4) we sh ou l d get in vol ved in to
lon g-term gain s
(5) Non e of th ese
119. As per Swami Vivek an an d, which
of th e followin g will be th e m ost
appropriate defin ition of “traitor”?
(1) Edu cated peopl e ign orin g th e
starvin g an d il literate m asses
(2) Mi lli on s wh o l ive i n h u n ger
an d ign oran ce
(3) All th ose edu cated people wh o
look after t h e m asses
(4) All Soci al Wor k ers wh o ar e
du ty-bou nd
(5) Non e of th ese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
120. Wh at are th e u l tim ate exp ect a-
ti on s from edu cati on to b e i m -
parted t o t h e you n gst ers ?
(A) To evolve an afflu en t society
(B) To m ak e p eop l e i n cu l cat e
h igh valu es
(C) To h el p t h e y ou t h acqu i r e
h igh er sk ills
(1) (A) an d (B) on ly
(2) (B) an d (C) on ly
(3) (A) an d (C) on ly
(4) Al l t h e t h ree, (A) (B ) an d (C)
(5) Non e of th ese
121. Wh ich of th e followin g can be th e
m ost ap p r op r i at e t i t l e for t h e
ab ove passage ?
(1) Cap i t al i sm of t h e West er n
cou ntries
(2) Pr ofi t earn in g as a bu sin ess
motto
(3) Estab lish in g com m u n al h ar -
mony
(4) Ed u cat ion for earn i n g weal th
(5) Need for h i gh sk il l an d val u e
orien ted edu cation
122. Wh at, accordi n g to th e au th or, is
a way to im p rove t h e evil s i n t h e
society ?
(1) Teach in gs of In di an Ph i loso-
ph y
(2) H i gh valu e b ased an d sk i l l
based ed u cation
(3) Sk ill oriented train in g
(4) Contem porary edu cation as in
th e western cou n tri es
(5) Non e of th ese
123. “All for each , each for all” m ean s
(1) Al l of u s sh ou l d b e h avi n g
bu sin ess as m ot to
(2) Each of u s sh ou l d b e con -
cern ed for h igh est p rofit
(3) Al l b u si n essm en sh ou l d r u n
bu sin ess for each of th em
(4) E v er y o n e i n t h e c o u n t r y
sh ou l d l ook for t h e ben efi ts
of al l th e oth ers
(5) Non e of th ese
124. Wh ich of th e followin g is th e view
of J RD Tata as d escrib ed b y t h e
au th or ?
(1) Con si der ati on of u rgen t ser -
vi ce to com m u n i ty sh ou ld be
side-lin ed
(2) The m ain pu rpose for any eco-
n om i c activity sh ou ld be on ly
profitability
COMPREHENSION TEST
(3) Pr ofi t sh ou ld be ear n ed wi th
d u e con si der at i on t o social
ser vi ce
(4) Motivati on to earn pr ofi t h as
becom e an ou tdated con cept
(5) Non e of th ese
Di r ec t i o n s (1 2 5 – 1 3 0 ) : Read
th e foll owin g p assages carefu ll y an d
an swer t h e qu estion s given b elow i t.
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bold to help you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(SBI Assoc i at es Ban k Po
Ex am . 0 7. 03. 201 0)
PASSAGE–I
D esp i t e t h e econ om i c cr u n ch
world wid e th at saw pu l v er i zat i o n of
som e of th e largest b an k in g an d fi-
n an ce gian ts, In dian b an k in g h ou ses
h a v e m a n a ged t o s h o w p o s i t i v e
gr owt h t h is qu arter. Som e of In dia’s
leadin g n ation al ban k s h ave posted a
n et profit rise of m ore th an 40 % over
th e last qu arter am id glob al t u r m oi l .
Th is wou ld com e as a big sh ot i n t h e
ar m for th e in vestors an d con su m ers
of th ese b an k s even t h ou gh app re-
h en si on i s m ou n tin g on ot h er ban k -
ing and brok ing firm s worldwide. On e
of th e m ain reason s b eh i n d th e su c-
cess of t h ese b an k s t h i s qu ar t er,
wou ld be th eir dir ect back in g b y t h e
Govern m en t of In di a. People tak e so-
l ace in t h ei r i n vest m en t s i n p u b li c
sect or watch in g th e bailou t pack ages
bein g cash ed ou t b y govern m en t s all
over th e world to save b ig bu sin ess
h ou ses.
Oth er private ban k s in In dia h ave
al so r eported a su b stan tial n et profit
over t h e last qu art er Given t h e in ter -
n ation al an d dom est ic scen ari o on e
can n ot pu t t h is down as a m u n dan e
ach ievem en t. Wh ile oth ers are on a
cost cu ttin g sp ree an d firi n g em ploy-
ees, In d ian Com pan i es ar e actu al ly
work in g on boosting staffin g in ban k -
in g an d brok in g sectors. Th i s can be
seen as a b i g b oon i n t h e d ays t o
com e wh en t h e cu r r en t r ecessi on
eases an d t h e econ om y gr ad u al l y
com es back on t o t h e fast tr ack . Th e
fi n an ce m in ist er h as assu red In di an
pu bli c abou t th e sou n d h ealt h of all
In di an ban k s. Th is cou ld also be evi-
d en t fr om t h e fact t h at t h er e h ave
been n o m ergers an d tak eovers in In -
di an Ban k in g sector i n a con trast to
world scen ario wh ere fin an ce h ou ses
ar e l ook in g for m ergers to cu t costs
-296-

on op eration s. We defin i tely ar e n ot
look in g to t h r i v e; rath er we are look -
in g for growth . It i s ju st th at th e pace
of growth is a little slow n ow as com -
pared to a year or two b efor e. Th ese
ar e h ard tim es to test t h e h ard . Th e
weak in bu sin ess an d car eer wi ll be
weeded ou t an d it is som eti m es very
b en efi cial for b u si n ess on t h e l on g
ru n .
125. Wh at, accordi n g to th e au th or, is
th e r eason for th e su ccess of In -
dian n ation al ban k s in th is qu ar -
ter?
(1) In dian n ation al ban k s do n ot
h ave an y com m i t m en t s i n
tr ou b led forei gn m ar k et s,
(2) Th ese ban k s can n ever face
fi n an ci al cr i si s b ecau se of
th eir sh eer si ze
(3) Th ese ban k s are read y to give
loan s at a very low rate of i n -
terest
(4) Th e p u bl ic is r ead y t o i n vest
in th ese ban k s becau se of th e
k n owl edge t h at th ese ban k s
get stron g su pp ort from t h e
Govern m en t
(5) Non e of th ese
126. Wh at does t h e ph r ase ‘sh ot i n
t h e ar m ’as u sed in th e passage
mean ?
(1) Shock
(2) Fear
(3) En cou ragem en t
(4) An xiety
(5 ) Non e of th ese
127. How, accord in g to th e au th or, is
th e cu rren t recessi on ben efici al?
(1) Worl dwid e, com pan i es h ave
realized th at In dia is a stron g
power to reck on wi th
(2) In dia is su rgin g ah ead of t h e
ot h er com pan ies th rou gh ou t
th e wor ld
(3) After th e recession is over i n -
t er n at i on al com p an i es wi l l
tu rn to In d ia for in vestm en t
(4) Recessi on i s br in gi n g d own
th e p rices of essen t ial com -
m odities
(5) Non e of th ese
128. Wh at, accord in g to th e au th or,
wi ll be a bi g b oon in th e days to
com e ?
(1) Th e econ om y com in g back on
th e fast track
(2) T h e s l ow i n g d o w n o f t h e
econ om y
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(3) In creased h i rin g i n In dian fi-
n an cial sector in tim es of eco-
n om ic slowdown
(4) Th e cost cu tti n g car ried ou t
by al l t h e com p an i es
(5) Non e of th ese
129. Which of th e following statements
is defin i tely t r u e in th e con text
of th e p assage ?
(A) In di a h as n ot been affected
by th e econ om ic slowdown
(B) In d i an B an k s ar e sh owi n g
growth in th is qu arter despite
th e r ecessi on
(C) While ban k in g in du stry in th e
West was severely affect ed by
r ecessi on i n t h e p ast , i t i s
n ow gradu ally recoverin g an d
sh owi n g a p osit ive gr owt h .
(1) On ly (A)
(2) On ly (B)
(3) On ly (C)
(4) On ly (A) an d (B)
(5) On ly (B) an d (C)
130. Wh ich of th e followin g stren gt h -
en s t h e fin an ce m i n ister’s stat e-
m en t abou t t h e sou n d h eal th of
In dian Ban k s with resp ect to t h e
passage ?
(A) Th ere h ave b een n o acqu isi-
ti on s an d m ergers of In di an
Ban k s
(B) Th e In dian Ban k s ar e record-
in g a positi ve growth
(C) Layoffs h ave been ob ser ved
worl dwid e.
(1) On ly (A) an d (B)
(2) On ly (A) an d (C)
(3) On ly (A)
(4) On ly (B)
(5) All (A), (B) an d (C)
Di r ect i on s (1 3 1 –1 3 5 ) : Read th e
followin g passages carefu lly an d an -
swer th e qu estion s given below it. Cer -
tain words/ ph rases h ave been prin ted
in bol d t o h elp you locat e t h em wh i le
an swerin g som e of th e qu est ion s.
(SBI Assoc i at es Ban k Po
Ex am . 0 7. 03. 201 0)
PASSAGE–I I
M od er n b i o-t ech n ol ogy , esp e-
cially th e creation of gen etically m odi-
fi ed cr op s, i s oft en p r esen t ed as a
m agic solu t ion or u n i ver sal pan acea
for t h e p r ob l em s of p over t y, i n ad -
equ ate n u trition and even environ men-
tal degradation across th e world. Con -
versely, th ere are people wh o pr esen t
COMPREHENSION TEST
th e pictu re of tech gen erated m on sters
an d m ajor h u m an h ealth h azard s b e-
in g created by sci en ce. Man y of t h e
tech nological ch an ges cu rren tly in th e
pr ocess of b ein g u t ili sed in agr icu l-
t u r e can h ave u n for eseen con se-
qu en ces, an d th eir safet y an d fu tu re
vi abi lity ar e far from secu r e.
Th e reali ty, as always, is far m ore
com pl ex th an ei th er of t h ese two ex-
trem es. Even today th e total food pro-
du cti on in th e wor ld is adequ ate to
feed th e h u ngry of th e world; th e prob-
lem is rat h er on e of u n equ al distrib u -
ti on , wh ich depri ves a large part of
th e p opu lati on of even t h eir m i n im al
n u t ri t i on al r equ ir em en t s. Si m i lar l y
farmers, especially in developin g cou n -
tries, face m an y problems su ch as lack
of i n fr ast r u ct u r e, p oor or u n st ab l e
m ar k et access, v o l at i l e i n p u t an d
ou tpu t pr ices etc, th at b iot ech n ology
does n ot add ress, m u ch less solve.
It is tru e t h at tr an sgen i c p lan ts
can offer a r an ge of b en efi ts wh ich
are ab ove an d b eyon d th ose wh ich
em erged from m ore tradit ion al in n o-
vation s in cu lt ivation . It is su ggest ed
th at su ch n ew t ech n ol ogy offers m ore
effective p est resist an ce of seed s an d
crops t h rou gh gen eti c con trol m ech a-
n i sm s, wh ich al so r edu ces th e n eed
for p est i ci d e u se an d l ead s t o i m -
p r oved yi el d . A b asi c qu est i on , of
cou rse, is wh eth er th e n ew GM tech -
n ol ogy is safe, an d wh eth er t h i s i s
absolu tely cru cial sin ce th e effects may
on ly be k n own m u ch lat er. Th e ju ry is
still very m u ch ou t on th is m atter, an d
th e con tr oversy does n ot app ear to be
resol ved qu i ck l y.
Th e t rou ble is th at m ost gover n -
m en ts in devel opi n g cou n tr ies h ave
rel atively l ow food an d beverage regu -
lator y stan d ard s, an d pu blic system s
for monitoring and su rveillance of su ch
it em s ar e poor or n on -ex isten t. Th is
leaves t h em open for en t ry an d even
d u m p in g of a ran ge of agr icu lt u ral
produ cts of th e n ew techn ology, Wh ich
m ay in to pass regu latory stan dards in
th e m ore developed cou n t ries.
131. Wh ich of th e followin g is tr u e in
con text of t h e passage ?
(1) Gen et i cal l y m od i fi ed cr op s
h ave been u n iversall y r ecog-
n i zed as a solu ti on to p over ty
an d en vi ron m en t al degrad a-
tion
(2) Th e on ly way to im prove t h e
d efi ci t i n food r equ i r em en t
-297-

an d food pr odu cti on in th e
world is by ad apt in g gen et i-
cally m odifi ed crops
(3) Gen et i cal l y m od i fi ed cr op s
pr odu ce m or e yi eld as com -
pared to yield from t h e t rad i-
tion al m ethods
(4) Tak in g ad van tage of ab sen ce
of regu l atory stan dar ds, sci-
en t i sts h ave been d u m pi n g
n ew p rodu cts in th e m ark ets
with ou t appropriate approval
(5) Non e i s tr u e
132. Ch oose t h e word/ grou p of words
wh ich is m ost si m i l ar i n m ean -
in g t o OPEN p rin t ed i n bol d as
u sed in th e passage.
(1) Vu ln erable (2) Capable
(3) Th r eaten ed (4) Un cer tain
(5) Weak
133. Ch oose t h e word/ grou p of words
wh ich is m ost opposi t e in m ean -
in g to VOLAT I LE prin ted in bol d
as u sed in t h e passage.
(1) Never -en din g
(2) Meager (3) Valu able
(4) Irr ever si bl e (5) Stable
134. Th e au th or of th e given passage
seem s to be defi n it ely ________
(1) su ggesti n g th e u se of t rad i-
tion al m eth ods of agricu ltu re
as again st bio-tech n ology by
developin g cou n tries owing to
t h ei r p oor r egu l at or y st an -
dards
(2) in favou r of u tilizin g bio-tech -
n ology as a tool for alleviation
of pover ty from t h e wor ld
(3) u r gin g th e p oli cy m ak ers to
im prove in frastru ctu re facil i-
ties so th at farm ers can m axi-
m ize t h e b en efi ts of gen eti -
cally m odifi ed crops
(4) Un con vin ced of th e lon g t erm
effects an d rat ion ale for i m -
m ed iat e r equ i r em en t of ge-
n et icall y m odi fied produ cts
(5) Non e of th ese
135. Wh y, accord in g to th e au th or, is
gen etic m odifi cation of crops n ot
an an swer to th e problem of h u n -
ger in th e world ?
(A) Peopl e b ein g h igh ly dou btfu l
of th e lon g term effects of ge-
n eticall y m odi fied crop s, do
n ot b u y th e produ cts grown
by su ch m et h od s.
(B) Th e p rob lem of h u n ger i n t h e
world is not du e to in adequ ate
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
produ ct ion of food bu t du e to
u n equ al di stribu t ion of it.
(C) M an y d evel op i n g cou n t r i es
have bann ed gen etically m odi-
fi ed p r od u ct s as d evel op ed
cou n t r i es h ave b een u si n g
th ese cou n t ries as du m pi n g
gr ou n ds for n ew gen etical ly
m odifi ed produ ct s.
(1) On ly (A)(2) On ly (B)
(3) Both (B) an d (C)
(4) Both (A) an d (C)
(5) Non e of th ese
Di r ect i on s (1 3 6 –1 4 5 ) : Read th e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bold to help you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(SBI & Rur al Busi n ess PO
Ex am . 1 8. 04. 201 0)
Govern m en t s h ave t radi ti on al ly
equ at ed econ om i c p rogress wi th steel
m i lls an d cem en t factories. Wh il e u r -
ban cen t res th r ive an d city dwellers
get rich , h u n dreds of m illion s of farm -
ers rem ain m ired in poverty. However,
fears of food sh or tage, a r eth i n k i n g of
an tip over ty pri orit ies an d t h e cru sh -
in g r ecessi on in 2 008 ar e cau sin g a
dram atic shift in world econom ic policy
in favou r of greater su p por t for agr i-
cu ltu re.
Th e last ti m e wh en th e wor ld ’s
far m er s fel t su ch l ove w as i n t h e
19 70 s. At th at t im e, as food pr ices
sp ik ed, th ere was real con cern th at
th e world was facing a crisis in wh ich
th e pl an et was sim ply u n ab le t o pr o-
du ce en ou gh grain an d m eat for an
exp an d i n g p opu l at i on . Govern m en t
across t h e develop in g world an d i n -
ter n ation al aid or gan isation s pl o wed
i n vest m en t i n t o agr i cu l t u r e i n t h e
ea r l y 1 9 7 0 s , w h i l e t ech n ol o gi c al
break th rou gh s, lik e high -yield strain s
of im portan t food crops, boosted pro-
d u ct i on . Th e r esu l t was t h e Gr een
Revol u tion an d food pr odu ction ex-
pl oded.
Bu t th e Green Revolu tion becam e
a victim of its own su ccess. Food prices
p l u n ged b y som e 6 0 % b y t h e l at e
1 98 0 s fr om t h ei r p eak i n t h e m id -
19 70s. Policy m ak er s an d aid wor k -
ers tu rn ed th eir atten tion to th e poor’s
ot h er pr essi n g n eed s, su ch as h eal th
car e an d ed u cat i on . Far m i n g got
st ar v ed of r esou rces an d in vest m en t.
By 20 04, aid di rected at agr icu ltu re
COMPREHENSION TEST
san k to 3.5 % an d “Agricu ltu re l ost its
gl itt er”. Al so, as con su m ers in h igh -
gr owt h gian ts su ch as Ch in a an d In -
dia becam e weal th ier, t h ey began eat-
in g m ore m eat, so grai n on ce u sed for
h u m an con su m pti on got divert ed to
beef u p li vestock . By early 2008, pan -
ick ed bu yin g b y im por tin g cou n tri es
an d restr ict ion s sl apped on grai n ex-
ports by som e b ig p rod u cers h elp ed
dr ive pr ices u pto h ei gh t s n ot seen for
th ree decades. Mak in g m atters worse,
lan d an d resou r ces got reall ocat ed to
pr odu ce cash crops su ch as biofu els
an d th e resu lt was th e volu m i n ou s
reserves of grain ev apor at ed. Protests
br ok e ou t across t h e em ergi n g wor ld
an d fierce food riots top pled gover n -
m en ts.
Th is spu rred global l ead ers in to
acti on . Th is m ade t h em awar e th at
food secu rit y i s on e of t h e fu n d am en -
tal i ssu es in th e wor ld th at h as to be
dealt with in order to m ain tain adm in -
istrative and political stability. This also
sp u rr ed th e U.S. wh ich t radi tion al ly
pr ovi sion ed food ai d from Am erican
grain su rplu ses to h elp n eedy n ation s,
to move towards in vestin g in farm sec-
tors arou n d th e gl obe to boost pr o-
du ctivit y. Th is m ove h el ped cou n tr ies
b ecom e m or e p r odu ct i ve for t h em -
selves an d b e i n a bet ter positi on to
feed th eir own peopl e.
Africa, wh ich m i ssed ou t on t h e
fi rst Gr een Revol u t ion d u e t o poor
policy an d lim ited resou rces, also wit-
n essed a ‘ch an ge’. Swayed by th e su c-
cess of East Asi a, th e pr im ary pov-
erty-fightin g meth od favou red by m an y
policymak ers in Africa was to get farm -
er s off th eir farm s an d in t o m odern
jobs in fact ori es an d u r ban cen tres.
Bu t t h at str ategy p roved to be h igh ly
insu fficien t. In com e levels in th e cou n -
t rysi de b ad ly t rail ed th ose in cit ies
while th e FAO estim ated th at th e n u m -
b er of p oor goi n g h u n gr y i n 2 0 0 9
reach ed an all tim e h i gh at m ore th an
on e billion .
In In dia on th e ot h er h an d, wi th
on ly 40% of its farm lan d irrigated, en -
ti re econ om ic boom cu rren tl y u n der -
way i s h eld h ostage by th e u n predict-
ab le m on soon . With m u ch of In dia’s
farm i n g areas su fferi n g from dr ou gh t
th is year, t h e gover n m en t wi ll h ave a
t ou gh t i m e m eet i n g i t s econ om i c
gr owt h t argets. In a rep ort, Goldm an
Sach s predicted th at i f t h is year t oo
r ecei ves weak r ai n s, i t cou l d cau se
agricu lt u re to con tract by 2% t h is fi s-
-298-

cal year, m ak in g t h e gover n m en t’s 7%
GD P-growth tar get l o ok “a bi t r i ch ”.
An oth er green r evolu t ion is th e n eed
of th e h ou r an d to m ak e i t a realit y,
th e glob al com m u n i ty sti ll h as m u ch
back b reak in g farm wor k t o d o.
136. Wh at is th e au th or’s m ain obj ec-
ti ve in wri tin g th e p assage ?
(1) Cri t i ci si n g develop ed cou n -
tr ies for n ot b ol st er in g eco-
n om ic growth in poor n ation s
(2) An alysin g th e d isadvan tages
of th e Green Revol u ti on
(3) Per su ad i n g ex p er t s t h at a
st ron g econ om y depen ds on
in du stri ali sati on an d n ot ag-
ricu ltu re
(4) Mak in g a case for th e i n ter -
n at ion al societ y to en gin eer a
secon d Green Revol u ti on
(5) Ration ali sin g t h e fau lty agr i-
cu ltu re pol ici es of em ergi n g
cou ntries
137. Wh ich of th e followin g i s an ad-
verse im p act of th e Gr een Revo-
lu tion ?
(1) Un ch eck ed cr op y i el d s r e-
su lted in large tr act s of lan d
becom in g bar ren
(2) Wi th d rawal of fiscal im pet u s
from agr icu lt u re to ot h er sec-
tors
(3) Farm ers began soliciti n g gov-
ern m en t su bsid i es for th ei r
pr odu ce
(4) Farm ers rioted as food p rices
fel l so low t h at t h ey cou ld n ot
m ak e en ds m eet
(5) Non e of th ese
138. Wh at is t h e au th or tryin g to con -
vey t h rou gh th e ph rase “m ak i n g
the govern men t’s 7% GDP growth
target l o ok “a bi t r i ch ” ?
(1) In dian i s u n lik ely to ach ieve
th e t argeted gr owth rate
(2) Allocation of fu n ds to agricu l-
t u r e h a s r a i s ed I n d i a ’s
ch an ces of h avin g a high GDP
(3) Agricu lt u ral gr owt h h as art i-
fi ci al ly i n flat ed In d ia’s GDP
an d su ch growth is n ot real
(4) In dia is lik ely to h ave on e of
th e h igh est GD P growth rates
(5) A large portion of In dia’s GDP
is con tr ibu ted by agr icu ltu re
139. Wh ich of t h e fol l owi n g factor s
was/ were respon sible for th e n e-
gl ect of th e farm i n g sect or aft er
th e green r evolu t ion ?
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(A) Steel an d cem en t sectors gen -
er ated m ore reven u e for t h e
gover n m en t as com par ed to
agricu ltu re.
(B) Large scale pr otests again st
favou ri n g agr icu lt u re at t h e
cost of oth er im p ort an t sec-
tors su ch as edu cat ion an d
h ealth car e.
(C) At t en t i on of p ol i cy m ak er s
an d aid organ isation s was di-
ver t ed fr om agr i cu l t u r e t o
ot h er sector s.
(1) None
(2) On ly (C)
(3) On ly (B) an d (C)
(4) On ly (A) an d (B)
(5) All (A), (B) an d (C)
140. Wh at prom pted leaders th rou gh -
ou t th e worl d to tak e acti on to
boost th e agri cu lt u r e sect or i n
20 08 ?
(1) Coercive tacti cs by th e U.S.
wh ich restr ict ed food aid to
poor n ation s
(2) Th e realization of t h e l in k be-
tween food secu rit y an d p o-
litical stability
(3) Awaren ess t h at per for m an ce
in agricu ltu re is n ecessary in
or der to ach ieve t h e tar get ed
GDP
(4) Rep o r t s t h a t h i gh - gr ow t h
cou n t ries l ik e Ch in a an d In -
di a were boosti n g th eir agr i-
cu ltu re sectors to captu r e th e
in tern ation al mark ets
(5) Th eir desir e to in flu en ce d e-
velopin g n ation s to slow down
th ei r in du strial d evelopm en t.
141. Wh at m oti vat ed th e U.S. t o fo-
cu s on in vestin g in agricu ltu re
across th e globe ?
(1) To m ak e developin g cou n tries
becom e m ore rel ian t on U.S.
aid
(2) To en su r e grai n su rp lu ses so
th at th e U.S. h ad n o n eed to
im p ort food
(3) To m ak e those cou ntries m ore
self su ffici en t to wh om it pr e-
vi ou sl y p rovided food
(4) To establish itself in th e m ar -
k et before th e h igh -growth gi-
an ts su ch as In di a an d Ch in a
cou ld establi sh th em sel ves
(5) Non e of th ese
COMPREHENSION TEST
142. Wh at im p act di d t h e econ om ic
recession of 200 8 h ave on agr i-
cu ltu re ?
(1) Gover n m en t s equ at ed eco-
n om ic stability with indu strial
developmen t an d sh ifted away
from agricu ltu re
(2) Lack of i m p l em en t at i on of
several in n ovative agricu ltu re
pr ogr am m es owin g t o sh or t-
age of fu n ds
(3) It pr om pted in creased in vest-
m en t an d in terest in agr icu l-
tu re
(4) Th e GDP as targeted b y In -
d ia was n ever ach i eved be-
cau se of losses in agricu ltu re
(5) Non e of th ese
143. Wh at en cou raged African p oli cy
m ak ers to focu s on u rb an j obs ?
(1) Misappreh ension that it wou ld
al leviate pover ty as it d id in
oth er cou n t ries
(2) Ru r a l d ev el o p m en t o u t -
st rip ped u r ban developm en t
in m an y part s of Afri ca
(3) B reak i n g ou t of p r ot est s i n
th e cou n try an d th e fear th at
th e govern m en t wou ld topp le
(4) B l i n d i m i t at i on of west er n
m odels of developm en t
(5) Non e of th ese
144. Wh ich of th e fol lowin g h ad con -
tribu ted to exorbitan t food prices
in 20 08 ?
(A) Hoardin g of food stock s by lo-
cal wh olesal ers wh ich in ad-
verten tly created a food short-
age.
(B) Ex por t of food grain s was r e-
du ced by large pr odu cer s.
(C) Divertin g resou rces from cu l-
ti vat ion of foodgr ain s to th at
of m ore profit abl e crop s.
(1) None
(2) On ly (C)
(3) On ly (B)
(4) All (A), (B) an d (C)
(5) On ly (B) an d (C)
145. Wh ich of t h e fol lowi n g i s tr u e
ab ou t th e st ate of agricu ltu re in
In dia at presen t ?
(A) Of all th e sectors, agricu ltu re
n eeds th e h igh est al locati on
of fu n d s.
(B) Con tribu tion of agricu ltu re to
In dia’s GDP th i s year wou ld
depend greatly u pon th e m on -
soon r ain s.
-299-

(C) As In dia is on e of t h e h igh -
gr owt h cou n tries, it h as su r -
pl u s food r eserves t o export
to ot h er n at ion s.
(1) On ly (A) an d (C)
(2) On ly (C)
(3) On ly (B)
(4) On ly (B) an d (C)
(5) Non e of th ese
Di r ec t i o n s (1 4 6 -1 5 5 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bold to help you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(SBI Assoc i at e Ban k s PO
Ex am . 0 7. 08. 201 1)
J agir Sin gh h as sol d r ed on ion s
at a m ar k et in sou th Del h i ever y d ay
for t h e p ast h alf-cen t u ry. Perch ed on
an u p t u r n ed cr at e, wr ap p ed t i gh t
again st t h e ch i ll air, h e offer s pyaz, a
st apl e for m u ch In dian cook in g, for
60 ru pees a k il o, t h e m ost h e can r e-
m em ber. B u si n ess is br isk bu t m ost
cu stom ers pick u p on ly a sm all h an d-
fu l of on ion s. Th at is ju st as well -
wh ol esale su pplies are t i gh t , h e says,
an d t h e qu al ity is poor.
As I n d i a’s econ om y gr ow s b y
som e 9% a year, food p rices are soar -
in g. In l ate Decem b er th e com m er ce
m in istry ju dged th at food inflation had
r each ed 18 .3%, wit h p ri cey vegeta-
bl es m ostly to blam e. Offici als h ave
m ade som e at tem pts to t em per t h e
ri se in th e past m on t h -scrap pin g i m -
port tax es for on i on s, b an n i n g th eir
ex por t an d orderin g l ow-priced sal es
at gover n m en t- ru n sh ops. B u t th ere
is n o qu ick fi x.
Heavy rai n i n th e west of In d ia
br ou gh t a rotten h arvest . Veget abl es
fr om far th er afiel d-i n cl u di n g a polit i-
cally sen si tive d elivery fr om a n eigh -
bou ri n g cou n try - are costly to m ove
on In dia’s crowded , p oth oled r oad s.
Few r efri ger ated lorri es an d poor l o-
gi sti cs m ean t h at m u ch of each h ar -
vest i s w ast ed . New sp ap er s al l ege
h oard ers are cash i n g i n .
Th e bi ggest prob lem s are stru c-
tu ral . Food produ cers, h am per ed by
lan d restriction s, ar ch ai c r etai l n et-
work s an d bad i n frastr u ct u re, fail to
m eet extr a d em an d from con su m er s.
It was est im at ed i n Octob er t h at a
39 % r ise in in com e per p erson i n t h e
pr evi ou s five years m i gh t h ave creat-
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ed an ex tra 220 m i lli on regu lar con -
su m er s of m i lk , eggs, m eat an d fish .
Su ppl ies h ave n ot k ep t u p with th is
poten tial dem an d.
Th e broader in flation r ate m ay be
a less eye-waterin g p rob lem th an t h e
on ion s su ggest. Th e cen t ral ban k h as
lifted in terest rates steadily in th e past
year an d is ex pect ed to do so again
later this m on th. Headline in flation fell
to 7.5% i n Novem ber, down by ju st
over a per cen tage poin t from October,
t h ou gh i t i s sti l l above t h e cen tr al
ban k ’s forecast of 5.5 % for M arch .
146. Wh at i s r esp on si ble for th e i n -
creased d em an d am on gst con -
su m ers for certain food st u ff ?
(1) Th ere h as b een an in crease
in th e wh ol esale su p pli es of
th is food stu ff.
(2) Th e vegetab les in th e m ark et
ar e very h igh ly pr iced.
(3) Th ere h as b een an in crease
in th e i n com es of peopl e.
(4) Th ere is a l ack of availab ili ty
of veget abl es in th e m ark et.
(5) Th er e h as b een a su r ge i n
popu lation.
147. Wh i ch of t h e fol l owi n g i s No t
T r u e i n t h e con t ext of th e pas-
sage ?
(1) Th e overall in fl ati on is n ot as
bad as the food in flation in In -
dia.
(2) Help from oth er cou n tri es to
cou n t er food i n fl at i on h as
pr oved t o b e qu it e en cou rag-
ing.
(3) Gover n m en t is ban n in g th e
ex port of cert ain typ es of veg-
et abl es in order t o ch eck t h e
food inflation .
(4) Hi gh l y p riced vegetables are
m ostly respon si ble for th e in -
cr eased food in flation .
(5) Al l t h e above statem en t s are
tru e.
148. Wh i ch of th e foll owin g is/ are th e
r eason / s for i n cr ease in food /
vegetable pr ices ?
(A) Bad weath er.
(B) Lan d r est riction s.
(C) Poor in frastru ctu r e for stor -
age an d t ran sp ortati on .
(1) On ly (B)
(2) On ly (A) an d (C)
(3) On ly (A) an d (B)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C)
COMPREHENSION TEST
149. Wh i ch of t h e fol l owi n g i s/ ar e
TRUE i n t h e con t ext of th e pas-
sage ?
(A) Th e i n terest r ates are bei n g
raised i n In di a.
(B) In dia is wi tn essi n g a steady
econ om ic growth .
(C) It h as been proven th at t h e
food in fl at ion is m ai n l y be-
cau se of h oardin g.
(1) All (A), (B) an d (C)
(2) On ly (A) an d (B)
(3) On ly (C)
(4) On ly (B) an d (C)
(5) Non e i s tr u e
150. Wh ich of th e followin g i s p ossi-
bl y t h e m ost ap prop riate titl e for
th e p assage ?
(1) Food In flati on In In dia
(2) Of On i on s An d Ven dors
(3) Food Defici t Worl dwi de
(4) Food Im ports In In d ia
(5) Ben efits To In d ian Con su m -
er s
151. Wh at can be said ab ou t th e sale
of on ion s at p resen t as given in
th e p assage ?
(1) Vegetabl e ven dors are u n will-
in g t o sell on ion s.
(2) Peop l e a r e n o t b u y i n g as
m u ch as t h ey u sed t o.
(3) Th e sale of on i on s h as pick ed
u p an d is u n preceden ted.
(4) Peopl e are bu yi n g m or e on -
ion s th an th ey u sed t o.
(5) Non e of th ese
152. Th e u sage of th e p h rase ‘cash -
i n g i n ’in th e passage can p ossi-
bl y m ean (1) Profitin g
(2) Ru nn in g Away
(3) Payin g Mon ey
(4) Bailin g Ou t
(5) Bu fferin g
153. Wh ich of th e followin g is m o st
si m i l ar in m ean i n g to th e word
‘T i gh t ’as u sed i n th e p assage ?
(1) Firm (2) Loose
(3) Limited (4) Tau t
(5) Ten se
154. Wh ich of th e followin g is m o st
si m i l ar i n m ean in g to th e word
‘T em per ’as u sed in the passage?
(1) Displeasu re
(2) An ger
(3) Rage
(4) H ar n ess
(5) Control
-300-

155. Wh ich of th e followin g is m o st
opp osi t e in m ean in g to th e word
‘Ar ch ai c’as u sed in the passage?
(1) Simple
(2) Straightforward
(3) Modern
(4) Lively
(5) Ancien t
Di rect i on s (1 56 –16 3) : Read the fol-
lowin g p assage car efu lly an d an swer
th e qu est ion s given below it . Certain
words/ ph r ases h ave been p rin t ed in
bol d to h elp you locate th em wh ile an -
sweri n g som e of th e qu est ion s.
(SBI Assoc i at e Ban k s PO
Ex am . 0 7. 08. 201 1)
India is ru sh ing headlon g towards
econ om ic su ccess an d modern isation ,
cou n ting on h igh-tech in du stries su ch
as inform ation tech nology and biotech-
n ology to pr opel t h e n at ion to pros-
perit y. In di a’s recen t an n ou n -cem en t
th at it wou l d n o lon ger p rod u ce u n l i-
cen sed in exp en sive gen eri c ph arm a-
ceu ti cal s bowed to th e r eal ities of t h e
World Trade Organ isation wh ile at th e
sam e tim e ch all en gi n g th e dom est ic
dru g in du stry to com pete with the mu l-
t i n at i on al fi r m s. Un for t u n at el y, i t s
weak h igh er edu cati on sector con st i-
tu tes th e Ach i l l es’h eel of th is strate-
gy. Its syst em at ic d isi n vest m en t i n
h i gh er edu cation i n r ecen t year s h as
yi eld ed n eit h er world -cl ass resear ch
n or very m an y h igh ly train ed sch ol-
ar s, scien tists or m an agers to su stain
h igh -tech d evelopm en t.
In dia’s m ai n com petit ors - esp e-
ci all y Ch in a bu t al so Sin gap ore, Tai-
wan , an d Sou th Kor ea -ar e i n vesti n g
in large an d di ffer en t i at ed h igh er ed-
u cati on system s. Th ey ar e p rovidi n g
access t o l arge n u m bers of stu den ts
at th e b ottom of t h e academ i c syst em
wh ile at th e sam e tim e b u ild in g som e
research -based u n i ver sit ies th at are
ab le to com p ete wit h t h e wor ld’s best
in stitu tion s. Th e r ecen t London Times
Higher Education Supplement rank in g
of th e world ’s top 20 0 u n iversi ties i n -
cl u ded t h ree in Ch in a, t h ree in Hon g
Kon g, t h ree i n Sou th Kor ea, on e in
Taiwan , an d one in In dia. Th ese cou n -
t ri es are p osit ion i n g t h em sel ves for
l eader sh i p i n t h e k n owled ge-based
econ om ies of t h e com in g er a.
Th ere was a tim e wh en cou n tri es
cou ld ach ieve econ om i c su ccess wi th
ch eap lab ou r an d low-t ech m an u fac-
tu rin g. Low wages sti ll h el p, bu t con -
temporary large-scale developmen t re-
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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qu i r es a sop h ist icat ed an d at l east
par tly k n owledge-b ased econ om y. In -
dia h as ch osen th at path , bu t will fin d
a m aj or st u m bl i n g bl ock in its u n i-
versit y system .
In dia h as sign ifican t ad van tages
in th e 2 1st cen tu r y k n owled ge race.
It h as a large h i gh er ed u cation sect or
- th e th i rd lar gest in th e worl d in st u -
den t n u m bers, aft er Ch i n a an d t h e
Un ited States. It u ses English as a pri-
mary lan gu age of high er edu cation and
research . It h as a lon g acad em ic tr a-
di tion . Acad em i c freedom is respect-
ed . Th er e ar e a sm all n u m ber of h i gh
qu ality institu tion s, departm en ts, an d
cen t r es t h at can for m t h e b asi s of
qu ality sector in h igh er edu cation . Th e
fact th at th e States, rat h er th an t h e
Cen tr al Govern m en t, ex ercise m aj or
responsibility for high er edu cation cre-
at es a rath er cu m ber som e st ru ctu r e,
bu t t h e system al lows for a variety of
policies an d ap proach es.
Yet th e weak n esses far ou t wei gh
th e stren gth s. In di a edu cates appr ox-
im atel y 10 per cen t of its you n g peo-
ple in h igh er edu cation com pared with
m ore th an h alf in th e m ajor in du stria-
lised cou n tries an d 15 per cen t in Ch i-
n a. Alm ost all of th e world’s acad em ic
system s r esem bl e a pyr am id , with a
sm all h igh qu ality tier at th e top an d a
m assi v e sect or at th e bottom . In d ia
h as a tin y t op tier. Non e of it s u n iver -
si ties occu p ies a sol id position at t h e
top. A few of th e best u n iversities h ave
som e excell en t dep art m en ts an d cen -
tr es, an d th ere are a sm all n u m b er of
ou tst an d in g u n dergrad u at e coll eges.
Th e Un iversi ty Gran ts Com m ission ’s
recen t m ajor su pp ort of five u n iversi-
t i es t o b u i l d on t h ei r r ecogn i sed
st ren gth is a step toward recogn isi n g
a differ en ti ated acad em i c system an d
fo st er i n g excellen ce. Th ese u n iversi-
ties, com bin ed, en roll well u n der 1 per
cen t of t h e stu d en t popu lation .
156. Wh ich of th e followin g is TRUE
in th e con text of t h e passage ?
(1) Th e top five u n iversities in In -
dia edu cate m ore th an 10 per -
cen t of t h e In d i an st u d en t
popu lation.
(2) In dia’s h igh er edu cat ion sec-
tor is th e l argest i n th e wor ld.
(3) In th e p ast , cou n tri es cou ld
p r o gr es s ec o n o m i c a l l y
t h r ou gh low m an u fact u r in g
cost as wel l as l ow wages of
labou rers.
COMPREHENSION TEST
(4) In di a h as r ecen t l y i n vest ed
h eavy su m s in th e h i gh er ed-
u c at i on s ec t or l ead i n g t o
world class research .
(5) Al l ar e tr u e
157. Wh at does th e p h rase ‘Ac h i l l es
H eel ’ m ean as u sed in th e pas-
sage ?
(1) Weak n ess (2) Qu ick n ess
(3) Low Qu ality (4) Nim blen ess
(5) Advan tage
158. Wh ich of th e followin g is/ ar e In -
dia’s stren gth / s in term s of h igh -
er ed u cat ion ?
(A) It s syst em of h igh er ed u ca-
tion allows variation s.
(B) M ed i u m of i n st r u ct i on for
m ost h igh er learn i n g i s En -
glish .
(C) It h as t h e paraph ern alia, al-
beit sm all in nu m ber, to bu ild
a h igh qu al ity h i gh er edu ca-
tion al sector.
(1) On ly (B)
(2) On ly (A) an d (B)
(3) On ly (C)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C)
159. Wh ich of th e followin g are Asi an
cou n t ries, oth er t h an In dia, d o-
in g to h ead towards a k n owledge
based econ om y ?
(A) Bu ildin g com petitive research
based u n iversi ties.
(B) In vest i n g i n d i ver se h i gh er
ed u cat ion system s,
(C) Providin g access to h igh er ed-
u cati on to a select few st u -
den ts.
(1) On ly (A)
(2) On ly (A) an d (B)
(3) On ly (B) an d (C)
(4) On ly (B)
(5) All (A), (B) an d (C)
160. Wh ich of th e followin g i s p ossi-
bl y t h e m ost ap prop riate titl e for
th e p assage ?
(1) Th e Fu t u re Of In dian Un iver -
sities
(2) Meth ods Of Overcom in g Th e
Edu cation al Deficit in In dia
(3) In d i a An d Th e H u n t For A
Kn owl edge Based Econ om y
(4) In dian Econ om y Ver su s Ch i-
n ese Econ om y
(5) In dian Econ om y An d Its Fea-
tu res
-301-

161. Wh at d id In di a agree to do at t h e
b eh est of t h e Worl d Tr ad e Or -
ganisation ?
(1) It wou ld stop m an u fact u ri n g
al l t ypes of p h ar m aceu t icals
(2) I t w ou l d ask i t s d om est i c
ph armaceu tical com pan ies to
com pete with th e in tern ation -
al on es.
(3) It wou l d b u y on l y l i cen sed
dr u gs from USA.
(4) I t w ou l d n ot m an u fact u r e
ch eap com m o n m ed i ci n es
wi th ou t a li cen se.
(5) Non e of th ese
162. Wh ich of th e followin g is/ ar e In -
d i a ’s w ea k n es s / es w h en i t
com es to h igh er ed u cat ion ?
(A) I n d i an u n i ver si t i es d o n ot
h ave t h e r equ i sit e teach i n g
facu l ty to cater t o t h e n eeds
of th e h igh er edu cat ion sec-
tor.
(B) On ly five In dian u n iversiti es
occu p y t h e top posit ion very
stron gly, in th e academ ic pyr -
am id, wh en it com es to h igh -
er ed u cation .
(C) In dia h as t h e least per cen t-
age of you n g p opu lat ion tak -
ing to higher edu cation as com-
pared to th e rest of th e com -
parabl e cou n tries.
(1) On ly (A) an d (B)
(2) On ly(B)
(3) On ly(C)
(4) On ly (A) an d (C)
(5) All (A), (B) an d (C)
163. Wh ich of th e fol lowin g, accor d-
in g t o t h e passage, i s/ are n eed-
ed for econ om i c su ccess of a
cou n t ry ?
(A) Ch eap labou r
(B) Ed u cat ed em p loyees
(C) Research in stit u tion s to cater
to d evelop m en t
(1) On ly (A) an d (B)
(2) On ly(B)
(3) On ly(C)
(4) On ly (B) an d (C)
(5) All (A), (B) an d (C)
Di r ec t i o n s (1 6 4 -1 6 9 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Certain word s h ave been p rin t ed in
bol d t o h elp you locate th em wh i le
an swerin g som e of th e qu est ion s.
(SBI Pr obat i on ar y Of f i cer
Ex am 2 8 .0 4 .2 0 13 )
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Fi n an ci al I n cl u si on (Fl ) i s an
em ergin g pri ori ty for ban k s th at h ave
n owh ere else t o go to ach ieve bu si-
n ess growth . Th e viab ili ty of FI bu si-
n ess is u n der qu estion , becau se wh ile
ban k s an d their delivery partn ers con -
t i n u e t o m ak e i n vest m en t s, t h ey
h aven ’t seen com m en su r ate ret u rn s.
In m ark ets l ik e In dia, m ost program s
are focu sed on cu stom er on -boardin g,
an ex p en sive p rocess wh i ch peopl e
often fi n d difficu lt to afford , i n volvi n g
issu an ce of sm art car ds to th e cu s-
tom er s. However, l arge scale cu stom -
er acqu isiti on h asn ’t tran sl ated in to
large scale bu sin ess, wi th m an y ac-
cou n t s lyin g do r m an t an d t h er efore
yi eld in g n o ret u rn on th e ban k ’s i n -
vestm en t . For t h e sam e r eason , Bu si-
n ess Corr esp on d en t Agen ts wh o con -
st itu te th e pr im ary ch an n el for fin an -
ci al in clu sion are u n abl e t o p u rsu e
th eir activity as a fu ll -ti m e job . On e
m ajor reason for th is state of even ts
is t h at th e cu stom er on -boardin g pro-
cess i s often del ay ed after th e su b-
m ission of docu m en ts (requ ired to val-
id ate th e d etails of th e con cern ed ap-
pl ican t) by th e ap pli can t an d m igh t
tak e as lon g as t wo week s. B y th is
ti m e th e in i tial en th u siasm of appl i-
can ts fades away. Mor eover, th e d e-
li ver y partn ers don ’t h ave t h e k n owl-
edge an d sk ill to propose anything oth -
er th an th e m ost basic fin an ci al pr od-
u cts to th e cu stom er an d h en ce do
n ot serve th eir ban k s’goal of expan d-
in g th e offerin g in u n ban k ed m ark ets.
Con trary to popu lar percep tion ,
th e i n clu sion segm en t is n ot a sin gu -
l ar i m p over i sh ed , u n d i ffer en t i at ed
m ass an d it is im p ort an t to n avigate
it s d iver sit y t o i den t ify th e r igh t tar -
get cu st om ers for var iou s p rogram s.
Ru ral m ark et s d o h ave th eir sh are of
ri ch peop le wh o do n ot u se ban k i n g
servi ces sim ply becau se th ey ar e i n -
con ven ien t t o access or h ave low per -
ceived val u e. At th e sam e ti m e, u rb an
m ark ets, despi te a h i gh bran ch den -
sity, h ave m u lt i t u de of low wage earn -
ers ou tside the fin an cial n et. Moreover,
th e bran ch tim in gs of ban k s rarely co-
in cid e wi th th e off-work h ou rs of t h e
lab ou r class.
Creatin g affordability is cru cial in
t ap p i n g t h e u n b an k ed m ar k et . No
dou bt pricin g is a tool, bu t ban k s also
n eed to be in n ovative in ri gh t - sizi n g
th eir pr oposi tion t o con vin ce cu st om -
ers th at th ey can derive big val u e even
COMPREHENSION TEST
fr om sm al l am ou n ts. On e way of d o-
in g th is is to sh ow th e tar get au di en ce
th at a b an k accou n t i s actu ally a life-
st yle en abler, a con ven i en t an d safe
m ean s t o sen d m on ey t o fam i ly or
m ak e a var i et y of p u rch ases. On ce
ban k s su cceed i n h ook i n g cu st om ers
wi th t h is val u e p rop osit ion th ey m u st
su stain t h ei r i n ter est by in trod u ci n g
a sim ple an d in tu i tive u ser app lica-
ti on , u bi qu i t ou s access over m obi le
an d oth er tou ch poin t s, an d adopti n g
a ban k in g m ech an ism wh ich i s n ot
on l y secu re bu t also reassu rin g to th e
cu stom er. Tech n ology is th e m ost i m -
port an t el em en t of fin an cial in clu sion
st rat egy an d an en abl er of all ot h er s.
Th e ch oice of t ech n ology is th er efore
a cru cial decision , wh ich cou ld m ak e
or m ar th e agen da. Of th e variou s se-
lect ion cr it er ia, cost i s perh ap s th e
m ost im p ort an t . Th is cer tai n ly does
n ot m ean bu yin g th e ch eap est pack -
age, bu t rath er ch oosin g th at sol u tion
wh ich by scali n g tran saction s to h u ge
volu m es r edu ces per u n it oper ati n g
cost. An opt im al m i x of t h ese st rat e-
gi es wou ld n o d ou b t offer an in n ova-
ti ve m ean s of exp an sion in th e u n -
ban k ed m ark et.
164. Wh ich of th e fol lowin g facts is
t r u e as per t h e p assage ?
(1) Peopl e from ru ral ar eas h ave
h igh perceived valu e of ban k -
in g services
(2 ) Cost is n ot a val id crit eri on
for tech n ological pack age se-
lection for finan cial in clu sion
initiatives
(3 ) Th e i n cl u si on segm en t is a
singu lar im poverished, u n dif-
feren tiated m ass
(4 ) Th e b ran ch t im i n gs of ban k s
gen erally do n ot coin cide with
th e off-wor k h ou rs of th e l a-
bou r class i n u rban m ark ets
(5) Al l t h e given statem en t s are
tru e
165. Accor d i n g t o t h e p assage, for
wh ich of th e followin g reason s
do th e d eli ver y partn ers fail to
serve their ban k ’s goal to expan d
in th e u n ban k ed m ar k et s ?
(A) Th ey do n ot h ave ad equ ate cl i-
en t b ase to sell t h ei r fin an ci al
prod u cts
(B) T h ey d o n ot h a ve ad eq u at e
k n owledge an d sk ill s t o ex plain
an yth in g beyon d basic fin an cial
pr odu cts to th e cu st om ers
-302-

(C) Th ey do n ot h ave t h e sk il ls to
op erate advan ced t ech n ological
aids th at are a prerequ isite to tap
th e u n ban k ed m ark et
(1) On ly (B)
(2) On ly (C)
(3) Al l (A), (B) & (C)
(4) On ly (A)
(5) Both (B) & (C)
166. Accor d i n g t o t h e p assage, for
wh ich of th e followin g reason s
is th e viability of fin an cial in clu -
si on u n der qu est ion ?
(1) Th e b an k s al ways p refer t h e
cheapest pack age (to cu t cost)
w h i l e m ak i n g a ch oi ce of
tech n ology t o be u sed
(2) Th e Bu sin ess Correspon den t
Agen ts are h igh l y dem otivat-
ed to pu r su e th eir activi ty as
a fu ll-tim e job
(3) Th e i n vest m en t s m ad e b y
ban k s an d i ts del ivery par t-
n ers are n ot yield in g equ al
am ou n t of retu rn s
(4) Th e b an k s d o n ot h ave ad e-
qu at e n u m b er of d el i ver y
partn ers requ i red to tap t h e
u n ban k ed m ark et
(5) Th e b an k s d o n ot h ave ad e-
qu ate m an power to ex plore
th e diversity of th e u n ban k ed
m ark et an d t h er eby iden ti fy
th e right target cu stom ers for
variou s program s
167. In th e passage, th e au th or h as
sp eci fied wh ich of th e foll owi n g
ch aracter ist ics of th e cu stom er
on -boardi n g process ?
(1) It in volves col lection of doc-
u m en t s from th e ap pli can ts
in or der to val idate th ei r d e-
tails
(2) It in vol ves issu an ce of sm art
cards to th e cu st om ers
(3) It su ffers from laten cy as it
tak es a lon g t im e after su b-
m ission of docu m en t s by th e
cu stom er
(4) It is an ex p en sive p r ocess
wh ich people fi n d difficu lt to
afford
(5) Al l of t h e given ch ar act eri s-
ti cs h ave been specifi ed
168. Wh at d id th e au t h or try to h igh -
li gh t in th e passage ?
(A) Th e ailin g con d iti on of fin an ci al
in clu sion b u sin ess at pr esen t
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(B) Strategies th at m ay h elp ban k to
expan d i n th e u n ban k ed m ark et
(C) Role of govern m en t in m odifyin g
th e existin g fin an cial i n cl u si on
policies
(1) Both (A) & (B)
(2) Al l (A), (B) & (C)
(3) On ly (C)
(4) On ly (A)
(5) On ly (B)
169. Accordin g to th e passage, wh ich
of th e followin g ways m ay h elp
ban k s to su stain t h e in t erest of
t h ei r cu stom ers aft er h ook i n g
th em ?
(A) Ad opt ion of a ban k in g m ech a-
n i sm wh i ch is n ot on l y secu re
bu t reassu rin g to th e cu stom ers
(B) In creasin g t h e n u m b er of d eli v-
er y p art n er s i n r u ral m ark et
(C) In trodu ction of a sim ple an d i n -
tu itive u ser application
(1) On ly (A) (2) On ly (C)
(3) On ly (B)
(4) Al l (A), (B) & (C)
(5) Both (A) & (C)
Di r ect i on s (1 7 0–1 7 5) : Read th e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Certain word s h ave been p rin t ed in
bol d t o h elp you locate th em wh i le
an swerin g som e of th e qu est ion s.
(SBI Pr obat i on ar y Of f i cer
Ex am 2 8 .0 4 .2 0 13 )
Th e evolu tion of Brin g You r Own
Device (BYOD) tr en d h as b een as p ro-
fou n d as it h as been r api d. It r epr e-
sen ts th e m ore visibl e sign th at t h e
bou n daries bet ween per son al li fe an d
work life are blu r rin g. Th e 9am - 5
pm m odel of work in g solely from of-
fi ce h as becom e ar ch aic an d in creas-
i n gl y p eop l e ar e wor k i n g ex t en d ed
h ou rs from a ran ge of location s. At th e
very h eart of th is evolu tion is th e abil-
ity t o access en terprise n etwork s from
an ywh ere an d an yti m e. Th e con cept
of cl ou d com pu t in g ser ves effect ively
to ex ten d th e offi ce ou t of office. Th e
m u ch h er al d ed ben efi t of B YOD i s
gr eat er p rod u ct ivit y. However, r ecen t
resear ch h as su ggested th at t h i s is
th e great est m yth of BYOD an d t h e
reali ty is th at B YOD in practi ce poses
n ew ch allenges that m ay out wei gh the
ben efi ts, A worldwide su rvey com m is-
sion ed b y Fortin et ch ose to look at at-
ti tu d es towar ds BYOD an d secu ri ty
fr om th e u sers’ poin t of view in stead
of th e IT m an agers. Specificall y t h e
COMPREHENSION TEST
su rvey was con du ct ed in 15 ter rit o-
ri es on a grou p of gr adu ate em ploy-
ees i n t h ei r earl y t wen t i es becau se
th ey rep resen t th e fi rst gen er ati on to
en ter th e work p lace with an exp ect a-
tion of own device u se. Moreover, th ey
also represen t tom orrow’s in flu en cers
an d decision m ak ers. Th e su rvey fin d-
in gs reveal th at for fin an cial or gan iza-
ti on s, th e d eci sion to em br ac e BYOD
is ex trem ely dan gerou s, larger orga-
n i zat ion s wi ll h ave m atu r e IT st rat e-
gi es an d pol ici es in place. Bu t wh at
ab ou t sm aller fin an ci al bu si n esses ?
Th ey m igh t n ot h ave su ch wel l d evel-
op ed st rategies t o protect con fi den -
tial data.
Cru ci al l y, wit h in you n ger em -
ployee grou p, 55% of th e people sh are
an expectation th at th ey sh ou ld be al-
lowed to u se th eir own devices i n t h e
work pl ace or for work pu rp oses. Wi th
th is exp ectation com es t h e very real
risk that employees may con sider con -
traven ing compan y policy bann in g th e
u se of own devi ces. Th e th r eats posed
by th i s l evel of su bv er si on can n ot be
overstated. Th e su rvey casts dou bt on
th e i dea of BYOD l ead in g to gr eat er
pr odu ctivity by reveali n g th e real rea-
son p eop le wan t to u se t h eir own d e-
vi ces. On ly 26% of people in th i s age
grou p cite efficien cy as th e reason they
wan t to u se th eir own devices, wh i le
63 % adm i t th at th e m ain reason is so
th ey h ave access to th eir favou rite ap-
plication s. Bu t with per son al app lica-
ti on s so close to h an d, th e risk s to
th e bu sin ess m u st su rely i n clu de dis-
traction an d tim e wastin g. To su p port
th i s assu m pti on 46 % of peopl e pol led
ack n owl ed ged t i m e wast i n g as t h e
great est t h r eat t o th e or gan i zat i on ,
wh ile 42 % ci tin g greater exp osu re to
theft or loss of con fiden tial data. Clear -
ly, fr om a u ser p er sp ective th er e is
gr eat deal of con tr adi cti on su rr ou n d-
in g B YOD an d t h ere ex ist s an u n der -
cu rr en t of selfi sh n ess wh ere u sers ex-
p ect t o u se t h ei r own d evi ces, b u t
m ostly for person al in terest. Th ey rec-
ogn ize the risk s to the organization bu t
are adamant th at those risk s are worth
tak in g.
170. Accor d i n g t o t h e p assage, for
wh ich of th e followin g reason s
di d Forti n et con du ct t h e su rvey
on a grou p of grad u at e em ploy-
ees i n t h ei r early twen t ies ?
(A) As th is grou p repr esen ts th e fu -
tu re decision m ak ers
-303-

(B) As th is grou p represen ts th e first
gen er a t i on w h o en t er ed t h e
work force wi th a b ett er u n der -
st an din g of sop h isti cat ed gad-
gets
(C) As th is grou p represen ts th e first
generation to enter the work place
expectin g th at th ey can u se th eir
own d evi ces for work pu rpose
(1) Al l (A), (B) & (C)
(2) On ly (C)
(3) Both (A) & (C)
(4) On ly (A) (5) On ly (B)
171. Wh i ch of th e fol lowi n g i s n o t
t r u e ab ou t BYOD ?
(1) BYOD en ables em pl oyees to
access en t er p r i se n et wor k
fr om an ywh ere an d an yti m e
(2) D u e t o evol u t i on of B YOD
tr en d th e 9 am - 5 pm m od el
of work i n g solely from offi ce
h as b ecom e ou t dat ed
(3) Recen t r esear ch h as con -
fi r m ed th at BYOD b oost s or -
gan isation al produ ctivity
(4) The concept of clou d compu t-
ing facilitates th e BYOD tren d
(5) Al l t h e given facts are tr u e
172. Accor din g t o th e p assage, wh y
wou ld th e d ecision to em brace
BYOD prove dan gerou s to sm all-
er fi n an cial b u si n esses ?
(1) Th eir em p loyees h ave p oor
k n owled ge abou t th eir devic-
es which in tu rn pose a th reat
to th e con fiden tial data of th e
organ isation
(2) Th ei r em p l oy ees ar e m or e
vu lnerable to misplacem ent of
d evi ces
(3) Th ey m ay l ack m at u r e I T
st r at egi es an d p ol i ci es r e-
qu ired to protect con fiden tial
data
(4) Th ey can n ot affor d t o deal
wi th dam age li abi lit y i ssu es
of em ployee-own ed devices
(5) Th eir em p loyees h ave a ten -
d en cy t o ch an ge j ob s fr e-
qu en tly
173. Accor di n g t o t h e p assage, th e
ex pectati on of you n ger em ploy-
ees th at th ey sh ou l d b e al lowed
to u se th eir own devices i n t h e
work pl ace, en tai ls wh i ch of t h e
followin g ri sk s ?
(A) You n ger em ployees m ay deliber -
at ely tr an sfer con fid en t ial data
of th eir compan ies to rivals if th ey
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
ar e n ot all owed to u se t h ei r own
devices for wor k pu rpose
(B) You n ger em ployees m ay stron g-
ly feel lik e l eavi n g th e com pan y
if it preven ts u sage of own d e-
vice an d join som e oth er com pa-
n y t h at d oes n ot h ave su ch
str in gen t p olicies
(C) You n ger em p loyees m ay con sid-
er flou ti n g com p an y policy pr o-
h i biti n g u sage of t h ei r own d e-
vi ces i n t h e wor k p l ace or for
work pu r poses
(1) On ly (C) (2) On ly (B)
(3 ) Both (A) & (C)
(4) On ly (A)
(5 ) All (A), (B) & (C)
174. Accor din g t o t h e fin d in gs of t h e
su r vey con du ct ed by Fort in et ,
wh y d o m aj ori ty of em p l oyees
pr efer u sin g t h eir own devices
for work pu r pose ?
(1 ) As t h ey often fi n d th at t h e
devices provid ed by th e com -
pan y lack qu ality
(2 ) As t h ey h ave access to th eir
favou rit e appl ication s wh i le
work in g
(3 ) As m ajor ity of th em believe
t h at ou t p u t d ou b l es wh en
th ey u se th eir own devices for
work p u rpose
(4 ) As h an dl in g dat a from th eir
own d evi ces rein forces th eir
sen se of respon sib ili ty
(5 ) As i t h el p s t h em cr eat e a
br an d of th eir own
175. Wh at is/ are th e au th or’s m ain
o b j ec t i v e(s ) i n w r i t i n g t h e
passage ?
(A) To br eak th e m yth th at BYOD
p r om ot es em p l oyee effi ci en cy
an d organ isation al produ ctivity
(B) To su ggest ways to con trol su b-
versi on across l evels of corp o-
rate ch ai n of com m an d
(C) To th row ligh t u pon th e fact th at
em p l oyees even after k n owin g
th e r isk s in vol ved , p refer t o u se
th eir own devices for work pu r -
pose m ost ly for person al ben e-
fits
(1) Both (A) & (C)
(2) Al l (A), (B) & (C)
(3) On ly (C) (4) On ly (A)
(5) On ly (B)
Di rect i on s (1 76 -1 8 5 ) : Read th e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
COMPREHENSION TEST
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bold to help you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(SBI M an agem en t Ex ecu t i v e
Ex am . 2 3. 0 2. 20 14 )
Th e In dian edu cati on sect or is
on e of th e l argest su n rise sectors con -
tr ib u ti n g t o t h e cou n try’s econ om ic
an d soci al growth . Th e In dian edu ca-
ti on syst em , con sid ered as on e of t h e
largest i n t h e worl d, is divided in to
two m ajor segm en ts of core an d n on -
core bu sin esses. Wh il e, sch ool s an d
h igh er edu cation form th e core grou p,
th e n on -core bu sin ess con sists of pre-
schools, vocational train ing and coach-
in g classes. Th e edu cati on sect or in
In dia is evolvin g, led by th e em ergen ce
of n ew n ich e sectors lik e vocat ion al
trai n in g, fi n ish in g sch ools, ch ild-sk ill
en h an cem en t an d e-learn i n g. In di a
h as emerged as a strong poten tial m ar -
k et for investm en ts in train in g an d ed-
u cati on sect or, du e to it s favou rab le
dem ograph ics (you n g popu lation ) an d
bein g a services-d riven econ om y. In -
dian edu cation sector’s m ark et si ze in
Fi n an cial Year, 20 12-13 esti m at ed to
be USD 7 1.2 bi lli on i s expected t o i n -
crease t o USD 109.8 bill ion b y Fin an -
cial Year 2015-2016 du e to th e expect-
ed st ron g d em an d for qu alit y edu ca-
ti on . Th e m ark et gr ew at a CAGR of
16 .5% du r in g Fi n an cial Year 201 5-
20 16, Fi n an cial Year 20 05-201 2.
Ed u cat ion h as b een m ad e an
im port an t an d in t egral part of t h e n a-
t ion al d evel op m en t effor t s. Th e t re-
m en dou s i n cr ease i n t h e n u m b er of
st u den ts an d of ed u cation al in stit u -
ti on s h as given r ise to th e term ‘ed u -
cation ex plosion ’. No dou bt, th i s h as
resu l ted in ser iou s p rob lem s su ch as
in adequ acy of fin an cial resou rces an d
in frastru ctu re and di lut i on of person al
at ten tion to th e edu cati on an d ch ar -
acter -for m at ion of th e st u den ts. Al so
th ere is th e u n wan ted si de-effect of
en orm ou s in crease i n t h e n u m b er of
ed u cat ed u n em p loyed. However, we
can n ot over look th e advan t ages of ed-
u cati on expl osi on in In d ia. Mer e i n -
crease i n t h e p er cen t age of l it er at e
peopl e d oes n ot i n dicate a qu alit ati ve
ch an ge i n t h e edu cati on al stan dar ds
of th e p eop le an d a su bstan tial i m -
pr ovem en t in m an power resou rces of
I n d i a. U n em p l oym en t p r ob l em i n
In diacan n ot bebl am edon th eavai l-
abi l it y of l ar ge m asses of ed u cated
peopl e i n In di a.
-304-

Un certain ty an d vacillation h ave
m ark ed th e govern m en t’s p ol icy r e-
gardi n g t h e m ed iu m of edu cati on in
In dia. Wh ile th e gover n m en t poli cy in
th is respect h as n ot ch an ged , a si g-
n i fi can t i n crease i n t h e n u m ber of
sch ools— prim ary an d secon dary— im -
parting edu cation th rou gh th e En glish
m ediu m is a si gn ifican t developm en t;
t h ou san ds of n u r ser y sch ool s t h at
h ave m u sh room ed sin ce th e last d e-
cade pu r por t t o i m part edu cati on to
infan ts th rou gh En glish . Th is is an u n -
wan ted devel opm en t wh ich h as been
d ep r ec at ed by edu cati on al i st s an d
politi cal leaders. Regard in g th e m ed i-
u m of in st ru ction in colleges an d u n i-
ver si t i es, m an y St at e Gover n m en t s
h ave alr ead y d eci ded, in pr in cipl e, to
switch over to th e region al lan gu age.
However t h e im p lem en tation in th is
respect h as rem ain ed very slow.
Today vi rtu all y every u n iversi ty
i n In di a i s offer i n g cor r esp on d en ce
cou rses for differen t degrees an d d i-
pl om as. In fact correspon den ce ed u -
cation h as open ed n ew vi stas for t h e
ed u cation al system wh i ch cou l d n ot
su ccessfu l l y m eet t h e ch al l en gi n g
problem of providing in frastru ctu re for
m u lti tu d es of n ew en t ran ts in t o t h e
portals of h igh er edu cati on . Th e pu b-
li c d em an d for h igh er ed u cation was
in itially m et th rou gh even in g colleges;
n ow corr esp on d en ce ed u cati on h as
com e to t h e rescu e of th e worried ed-
u cation admin istrators.
176. Wh ich of th e fol lowin g facts is
n ot tr u e regar d in g t h e In d ian
ed u cation sect or as p er th e pas-
sage?
(1) It i s st i l l i n t h e p rocess of
developm en t
(2) It is on e of th e con t rib u tors
to In dia’s growth
(3) T h er e h a s b een a r ec en t
tren d towards the adoption of
r egi on al l an gu ages as t h e
m ediu m of in stru ction
(4) Mu sh room i n g of sch ools i m -
p ar t i n g En gl i sh ed u cat i on
h as b een app reciat ed
(5) Th e n u m b er of edu cated u n -
em ployed as in cr eased
177. As per t h e passage, In di a’s ed u -
cation sector h as been ab le to
at tract i n vestm en t s b ecau se of
A. Th e d em ograp h ic factor.
B . Th e In di an econ om y bein g ser -
vi ces-dr iven .
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
COMPREHENSION TEST
C. In d i an d em ocr at ic gover n an ce (5) T h e p r o s p ect s fo r f u t u r e
bein g an at tractive i ssu e. gr owt h of In dia’s edu cati on
(1) On ly (A) sector look s bleak
(2) On ly (B) 181. Wh i ch of t h e fol l owi n g st at e-
(3) On ly (C) m en ts can n ot be said t o b e t h e
h i gh l igh ts of t h e passage?
(4) Both (A) an d (B)
A. I n d i a ’s ed u c a t i o n s ec t o r i s
(5) Both (B) an d (C)
m ark ed by in crease i n th e n u m -
178. Wh ich of th e fol lowin g exp lai n s ber of edu cated people paralleled
the term ‘edu cation explosion ’as by si m u l tan eou s gr owt h i n u n -
per t h e passage? em ploym en t.
A. Hu ge in vest m en t in th e edu ca- B . Th er e are both p ositive an d n eg-
ti on sector. ati ve asp ect s of t h e ed u cat ion
B . Pro-active Govern men t policy to- expl osion in In d ia.
wards th e ed u cation sector. C. Th e Govern m en t pol icy towar ds
C. Spu rt in th e n u m ber of stu den ts ed u cation h as been th at of clar -
an d edu cation al in stitu tion s. it y m ark ed b y sin cere effort s.
(1) Both (A) an d (B) (1) On ly (A)
(2) On ly (C) (2) On ly (B)
(3) Both (B) an d (C) (3) On ly (C)
(4) On ly (B) (4) Al l t h r ee
(5) Al l of th e above statem en ts (5) Non e of th ese
ar e correct Di r ec t i o n s (1 8 2 –1 8 3 ) : Ch oose
179. Wh ich of th e fol lowi n g can be t h e wor d / gr ou p of wor d s wh i ch i s
in fer red as per t h e passage? m ost si m i l ar in m ean in g to th e word/
A. In crease in lit eracy l evels sign i- grou p of words printed in bold as u sed
fi es a qu ali tat ive in crease i n ed- in th e passage.
u cation al attain m en t of people. 182. Di l u t i on
B . Literacy l evels are closel y r elat- (1) Th ick enin g
ed to im provem en t in m an pow- (2) Con centration
er resou rces. (3) Exten sion
C. Th e exist en ce of edu cated peo- (4) Diminu tion
ple does n ot n ecessarily con trib- (5) Developm en t
u te to th e p roblem of u n em p loy- 183. Em ergen ce
m en t.
(1) Disap pear
(1) On ly (A)
(2) Rise
(2) On ly (B) (3) Abandonment
(3) On ly (C) (4) Fall
(4) Both (A) an d (B) (5) Lessen i n g
(5) Al l t h r ee Di r ec t i o n s (1 8 4 -1 8 5 ) : Ch oose
180. As per th e passage, wh i ch of t h e t h e wor d / gr ou p of wor d s wh i ch i s
fol lowin g statem en t s is/ are cor - m o st o p p o si t e i n m ean i n g t o t h e
rect? word/ grou p of word s p rin ted in bold
(1) In crease in En glish m edi u m as u sed in t h e passage.
sch ools is a welcom e si gn for 184. Deprecat e
th e In dian edu cati on sect or (1) Derogate (2) Frown
(2) In crease in En glish m edi u m (3) Object (4) Comm en d
sch ools in In di a i s an i n si g- (5) Disparage
n i fican t, th ou gh wan ted d e-
185. Pu r por t
velopm en t
(1) In sign ifican ce
(3) Cor r esp on d en ce ed u cat i on
(2) Connotation
h as p roved to b e a pan acea
in term s of ed u catin g p eop le (3) Acceptation
withou t proper infrastru ctu re (4) Inten tion
(4) The implementation of region- (5) Pu rpose
al lan gu ages as m edi u m of Di rect i on s (1 86 -2 0 0 ) : Read th e
i n st r u cti on h as b een qu i t e foll owi n g p assage car efu ll y an d an -
fast swer t h e qu est i on s gi ven b el ow i t .
-305-

Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bold to help you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(SBI Sp eci al i st Of f i c er
(L aw Of f i cer : M M GS Scal e-I I
On l i n e Ex am . 19. 04. 201 4)
Fo u r y ear s ago, s om e of u s
wat ch ed with a m ix tu re of i n cr edu l i -
t y an d h orr or as elit e d iscu ssi on of
econ om ic policy wen t com pletel y off
t h e r ai ls. Over t h e cou rse of j u st a
few m onths, influ ential people all over
th e Wester n wor ld con vi n ced t h em -
sel ves an d each ot h er t h at b u d get
d efi ci t s wer e an ex i st en t i al t h r eat ,
tr u m p in g an y an d al l con cern abou t
m ass u n em ploym en t . Th e r esu lt was
a tu r n to fi scal au sterit y t h at deep-
en ed an d prolon ged th e econ om ic cri-
sis, in fl ictin g im m en se su fferi n g.
An d n ow it’s h appen in g agai n .
Su dden ly, i t seem s as if al l t h e ser i-
ou s people are tellin g each oth er th at
d espi t e h i gh u n em p loym en t t h er e’s
h ard ly an y “sl ack ” in labou r m ark ets
— as evid en ced by a su pposed su r ge
in wages — an d th at t h e Fed eral Re-
serve n eeds to star t r aisin g in t erest
rates very soon to h ead of f t h e dan -
ger of in fl ation .
To b e fai r, t h ose m ak i n g t h e
case for m onetary tightenin g are m ore
th ou gh tfu l an d less overt ly poli tical
t h an th e ar ch on s of au st er i t y wh o
dr ove th e last wron g tu r n in policy.
Bu t th e advice th ey’re givin g cou ld be
ju st as dest ru ctive.
O.K., wh ere is th is com in g from ?
Th e star tin g p oin t for t h is tu rn
in el ite op in i on is t h e assert ion th at
w ages, aft er st agn at i n g for year s,
h ave started t o r ise rap idl y. An d it ’s
tru e that one popu lar measu re of wag-
es h as i n deed p ick ed u p, wit h an es-
pecially large bu m p last m on th .
B u t t h at b u m p i s p r ob ab l y a
sn ow-relat ed stati sti cal il l u sion . As
econ om ists at Gold m an Sach s h ave
poin t ed ou t , average wages n or m al ly
ju m p in b ad weath er — n ot becau se
an yon e’s wages actu ally rise, b u t b e-
cau se th e work ers id led by sn ow an d
stor m s ten d to be l ess wel l-paid th an
th ose wh o aren ’t affected.
Beyon d t h at , we h ave m u l tip le
m easu res of wages, an d on ly on e of
t h em i s sh owin g a n ot ab l e u p t i c k .
It ’s far fr om cl ear t h at t h e al l eged
wage accelerati on is even h appen i n g.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
An d wh at ’s wr on g wi t h ri si n g
wages, an yway? In th e past, wage i n -
cr eases of arou n d 4 p ercen t a year —
m ore th an twice th e cu rren t r ate —
h ave been con si sten t wit h low i n fl a-
ti on . An d t h er e’s a very good case for
r ai si n g t h e Fed ’s i n fl at i on t ar get ,
which wou ld m ean seek in g faster wage
growt h , say 5 p ercen t or 6 p ercen t
per year. Wh y? Becau se even th e In -
tern ation al Mon etary Fu n d now warn s
again st th e dan gers of “lowflation ”: too
low an in flation rate pu t s t h e econ o-
m y at risk of J apan ifi cat ion , of get-
tin g cau gh t in a trap of econ om ic stag-
n ation an d i n tractable deb t.
Over all, th en , wh ile it’s p ossi-
bl e t o argu e t h at we’re ru n n in g ou t of
labou r slack , i t’s al so possibl e t o ar -
gu e t h e opposit e, an d ei th er way t h e
pru den t th in g wou ld su rely be to wait:
Wait u n til th ere’s solid eviden ce of ris-
in g wages, t h en wait som e m ore u n t il
wage growth is at l east b ack to prec-
ri sis level s an d p referably h i gh er.
Yet for som e reason t h er e’s a
growin g dru m beat of dem an ds th at we
n ot wait , th at we get ready to rai se
in ter est rat es righ t away or at least
very soon . Wh at ’s th at abou t?
Part of th e an swer, is t h at for
som e people it’s al ways 19 79. Th at is,
th ey’re etern ally vigilan t again st t h e
dan ger of a ru n away wage-pr ice sp i-
ral, an d som eh ow th ey h aven’t n oticed
th at n ot h in g l ik e th at h as h ap pen ed
for decad es. Maybe it’s a gen eration al
th in g. M aybe it ’s b ecau se a 19 70 s-
st yle cri sis fi ts th ei r i deological pr e-
con cepti on s, b u t th e ph an t o m m en -
ace of stagflation sti ll h as an ou tsized
in flu en ce on econ om ic debat e.
Th en th ere’s sado-m on et ar i sm :
th e sen se, all too com m on in ban k i n g
cir cles, th at in fl ictin g pain is i pso fac-
to good. Th ere are som e p eopl e an d
in stitu tion s — for exam ple, th e Basel-
based Ban k for In t ern ati on al Settl e-
m en ts — th at always wan t to see i n -
terest r ates go u p. Th ei r r ati on ale is
ever -ch an gin g — it ’s com m odity pri c-
es; n o, it’s fi n an cial stab ili ty; n o, it ’s
wages — b u t th e recom m en d ed pol i-
cy is al ways t h e sam e.
Fi n al l y, al t h ou gh t h e cu r r en t
m on etary debat e isn ’t as open l y pol it-
ical as t h e previou s fiscal deb ate, it ’s
h ard to escape the su spicion that class
interests are playin g a role. A fair n u m -
ber of com m en tators seem oddl y u p-
set b y t h e n oti on of wor k ers getti n g
COMPREHENSION TEST
r ai ses, esp eci al l y wh i l e r et u r n s t o
bon dh old ers rem ain low. It’s alm ost
as if t h ey id en t ify with th e i n vest or
cl ass, an d feel u n com for t ab le wi t h
an yth in g th at b rin gs u s close to fu ll
em p loym en t, an d th er eby gives work -
er s m ore bargai n in g p ower.
Wh at ever t h e u n d er l y i n g m o-
ti ves, ti gh t en i n g t h e m on etary screws
an yti m e soon wou ld be a very, very
b ad i dea. We ar e sl owl y, p ai n fu l ly,
em ergin g fr om th e worst sl u m p sin ce
th e Great Depression . It wou ldn ’t tak e
m u ch to ab or t t h e recover y, an d , if
th at were to h appen , we wou ld alm ost
certain ly be Japanified, stu ck in a trap
th at m igh t l ast decades.
Is wage growth act u al ly t ak i n g
off? Th at’s far from clear. Bu t i f i t i s,
we sh ou l d see risi n g wages as a d e-
velop m en t t o ch eer an d p rom ote, n ot
a th reat to be squ ash ed with tigh t mon-
ey.
186. As m en tion ed in th e passage, at
wh at poin t th e in flu en tial people
of t h e west er n worl d got con -
vi n ced fou r years ago ?
(1) Bu dget d efi cits ar e an exist-
in g th reat, tr u m pin g an y an d
al l con cern abou t m ass u n -
employm en t
(2) Bu dget deficits ar e n on ex-
isting th reat an d th ere will be
m ass em ploym en t soon .
(3) Bu dget d efi cit s d ecl in e rap-
idly an d give si gn of flou rish -
in g econ om y.
(4) Th ere is good sign of em ploy-
m en t, despit e l on g stan di n g
bu dget d efi cit s.
(5) Non e of th ese
187. Wh y th e seri ou s peopl e seem -
in gly are of th e opin ion th at d e-
sp ite h i gh u n em ploym en t th ere
i s h ar d l y an y sl ack i n l ab ou r
m ark ets ?
(1) Th ey h ave eviden ced a su p-
posed su rge in wages
(2) Fed er al Reser ve n eed s t o
st art raisi n g in t erest rat es
(3) A declin e in wages h as been
exp ected
(4) D em an d for l ab ou r er s h as
in creased
(5) Non e of th ese
188. Accord i n g t o an econ om ist at
Goldm an Sach s, average wages
n orm ally ju m p in bad weath er
becau se
-306-

(1) work ers are pai d h an d som e-
ly in bad weath er
(2) t h e wor k er s i d l ed b y sn ow
an d stor m s ten d to be less
well pai d t h an th ose wh o are
n ot affect ed
(3) Work ers in bad weath er are
h u m an l y t r eat ed an d p ai d
well at h om e
(4) Woek ers i dled b y stor m ten d
t o b e m or e wel l -p ai d t h an
th ose wh o aren ’t affect ed
(5) Non e of th ese
189. Wh at does t h e wri ter m ean by
u sin g th e term ‘ri sk of J apan ifi-
cation ’?
(1) Getti n g cau gh t in econ om ic
in flation
(2) Getti n g en cou ragin g growth
lik e J apan
(3) Getti n g cau gh t in a tr ap of
econ om ic stagn ation an d i n -
tr act able debt
(4) Getti n g growth rate of 5 p er
cen t or 6 per cen t per an n u m
li k e J apan .
(5) Non e of th ese
190. Wh at, accord in g to th e passage,
sadom on et ari sm in t erpr ets ?
(1) In fli cti n g pai n i s n ot good.
(2) In flictin g gai n i s pain fu l.
(3) In flictin g h igh er taxes is good
for econ om ic h ealt h .
(4) In fl ict in g p ain i s i pso facto
good.
(5) Non e of th ese
191. How d oes th e writer see th e ri s-
in g wages ?
(1) He sees it as a th reat to econ -
omy
(2) He sees i t as a developm en t
to ch eer an d pr om ote, n ot a
th reat to be squ ash ed
(3) He sees it as an obstacle to
developm en t
(4) He is of th e view th at u n em -
pl oym en t wil l gr ow in t en sely
(5) Non e of th ese
192. B an k for In t er n at i on al set t l e-
m en ts is locat ed in
(1) Basel (2) Tok yo
(3) Lon don (4) New York
(5) Bern e
193. Wh at i s t h e cen t ral id ea of t h e
passage ?
(1) Ri sin g wages is a bad om en
for devel opm en t
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
COMPREHENSION TEST
(2) Ri sin g wages is a good om en Cer t ai n wor d s/ p h r ases h ave b een
for devel opm en t prin ted in bold to help you locate them
(3) Lower in g wages is good for a wh i l e an sweri n g som e of t h e qu es-
developin g econ om y tions.
(4) Stagn ation is an existin g fea- (SBI Pr obat i on ar y Of f i cer On l i n e
tu re of worl d econ om y Ex am , 2 1. 0 6. 20 14 )
(5) Non e of th ese India is ru sh in g headlon g toward
Di r ec t i o n s (1 9 4 –1 9 7 ) : Ch oose econ om ic su ccess an d modern isation ,
t h e wor d / gr ou p of wor d s wh i ch i s cou n tin g on h igh -tech in du stries su ch
m ost si m i l ar in m ean in g to th e word/ as inform ation tech nology and biotech-
grou p of words printed in bold as u sed n ology t o pr opel t h e n at ion to pros-
in th e passage. perit y. In d ia’s recen t an n ou n cem en t
th at it wou l d n o lon ger p rod u ce u n l i-
194. H ead o ff
cen sed in exp en sive gen eri c ph arm a-
(1) prom ote ceu ti cal s bowed to th e r eal ities of t h e
(2) act t o pr even t World Trade Organ isation wh ile at th e
(3) en cou rage sam e tim e ch all en gi n g th e dom est ic
dru g in du stry to com pete with the mu l-
(4) feel h eadach e
t i n at i on al fi r m s. Un for t u n at el y, i t s
(5) ameliorate
weak h igh er edu cat ion sector con st i-
195. Upt i ck
tu tes th e Ac h i l l es’ H eel of th is strat-
(1) sm al l in cr ease
egy. Its system ati c d isi n vestm en t in
(2) sm all decerase h i gh er edu cation i n r ecen t year s h as
(3) u rchin yi eld ed n eit h er world -cl ass resear ch
(4) u pwind n or very m an y h igh ly train ed sch ol-
(5) down t ren d ar s, scien ti sts, or m an agers to su s-
196. Ph an t om t ai n h igh -tech d evelopm en t.
(1 ) real (2 ) tr u e In dia’s m ain com petit ors — es-
(3) qu an titative (4) im agin ary pecially Ch ina bu t also Sin gapore, Tai-
wan , an d Sou th Korea — ar e in vest-
(5) optimu m
in g i n l arge an d differen ti ated h igh er
197. Sl um p ed u cation syst em s. Th ey are pr ovi d-
(1 ) d epressi on (2) in clin e in g access to large n u m ber of stu den ts
(3 ) in crease (4) in flate at th e b ottom of t h e academ i c syst em
wh ile at th e sam e tim e b u ild in g som e
(5) in su lt
research -based u n i ver sit ies th at are
Di r ec t i o n s (1 9 8 -2 0 0 ) : Ch oose
ab le to com p ete wit h t h e wor ld’s best
t h e wor d / gr ou p of wor d s wh i ch i s
m o st o p p o si t e i n m ean i n g t o t h e in stitu tion s. Th e recen t London Times
word/ grou p of word s p rin ted in bold Higher Education Supplement rank in g
as u sed in t h e passage. of th e world ’s top 20 0 u n iversi ties i n -
198. Slack cl u ded t h ree in Ch in a, t h ree in Hon g
Kon g, t h ree i n Sou th Kor ea, on e in
(1) lu ll
Taiwan , an d on e in In dia (an In di an
(2) lu k ewarm In stitu te of Tech nology at nu mber 41—
(3) qu iet period th e sp ecific cam pu s was n ot sp eci-
(4 ) p eri od of act ivi ty fi ed). Th ese cou n tries are positi on i n g
(5) lu m p t h em sel ves fo r l ead er sh i p i n t h e
199. Au st er i t y k n owl ed ge-b ased econ om i es of t h e
com in g er a.
(1) sim plicity (2) abstin en ce
(3) h ardn ess (4) luxury Th ere was a time wh en cou n tries
cou ld ach ieve econ om i c su ccess wi th
(5) lu stre
ch eap lab ou r an d low-t ech m an u fac-
200. In cr edul i t y tu rin g. Low wages sti ll h el p, bu t con -
(1) disbeli ef temporary large-scale developmen t re-
(2 ) b eli ef qu i r es a sop h ist icat ed an d at l east
(3) in cru station par tly k n owledge-b ased econ om y. In -
(4) con ven ien ce dia h as ch osen th at path , bu t will fin d
(5 ) cr edib le a m ajor stu m blin g block in its u n iver -
si ty system .
Di rect i on s (2 01 -2 1 0 ) : Read th e
foll owi n g p assage car efu ll y an d an - In dia h as si gn ifican t advan tag-
swer t h e qu est i on s gi ven b el ow i t . es i n t h e 2 1 st cen t u r y k n owl ed ge
-307-

race. It h as a large h igh er edu cati on
sector — th e third largest in th e world
in stu d en t n u m b ers, after Ch in a an d
th e Un ited Stat es. It u ses En gli sh as
a pri m ar y l an gu age of h i gh er edu ca-
ti on an d resear ch . It h as a lon g aca-
dem ic tradition . Academ ic freedom is
respected. Th ere are a sm al l n u m b er
of h i gh qu ali ty in sti tu t ion s, depar t-
m en ts, an d cen tres th at can for m th e
basis of qu al ity sect or i n h igh er ed u -
cation . Th e fact th at th e States, rather
th an th e Cen tral Gover n m en t, exer -
cise m aj or r esp on si bi l it y for h igh er
ed u cation creates a rat h er cu m ber -
som e str u ct u r e, bu t th e system al-
lows for a var iet y of policies an d ap-
pr oach es.
Yet th e weak n esses far ou tweigh
th e stren gth s. In dia edu cates approx-
im ately 1 0 p er cen t of it s you n g peo-
ple in higher edu cation com pared with
m ore th an h alf in t h e m ajor in d u stri-
al ised cou n tri es an d 15 per cen t in
Ch in a. Al m ost all of t h e wor ld’s aca-
dem ic system s r esem bl e a pyr am i d,
wi th a sm all h i gh qu al ity ti er at t h e
top an d a m assi ve sector at th e bot-
tom . In d ia h as a t in y top ti er. Non e
of i t s u n i ver si t i es occu p i es a sol i d
posit ion at th e t op. A few of th e best
u n iversi ties h ave som e excel len t d e-
partm en t s an d cen t res, an d th ere is
a sm all n u m b er of ou t stan din g u n -
dergr adu ate col leges. Th e Un iversi ty
Gr an t s Com m issi on ’s r ecen t m aj or
su pport of five u n i ver sit ies to bu i ld
on th eir recogn ised stren gth is a step
towar d r ecogn i sin g a di ffer en t i at ed
academ ic system — an d fosteri n g ex-
cellen ce. At pr esen t, th e world-class
in stitu tion s are m ain ly li m ited to th e
In dian In stitu tes of Tech n ology (IITs),
th e In di an In stitu tes of Man agem en t
(IIMs) an d perh aps a few ot h ers su ch
as th e Al l In di a In sti tu t e of Medical
Sci en ces an d t h e Tat a In st i t u t e of
Fu n dam en t al Research . Th ese i n st i-
tu tion s, com bin ed, en rol l well u n d er
1 p er cen t of t h e stu den t p opu l ation .
India’s colleges an d u niversities,
wi th ju st a few ex cep tion s, h ave b e-
com e large, u n der -fu n ded, u n gover n -
ab le in sti tu tion s. At m an y of t h em ,
politics h as in tru ded in to campu s life,
in fl u en cin g acad em ic app oi n t m en t s
an d d eci si on s across l evels. Un der -
in vestm en t in l ibr ari es, i n form ati on
tech n ol ogy, labor at ori es, an d cl ass-
room s m ak es it very di ffi cu l t to pr o-
vide top-qu ality in stru ction or en gage
in cu ttin g-edge resear ch .
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Th e ri se in th e n u m ber of par t-
ti m e teach ers an d th e fr eeze on n ew
fu ll-tim e appoin tmen ts in m an y plac-
es h ave affected m or al e in th e aca-
d em i c p r ofessi on . Th e l ack of ac-
cou n tability m ean s th at teach in g an d
research perform an ce is seldom m ea-
su red. Th e system pr ovid es few i n -
cen tives to perform . Bu reau cratic in -
ertia h am pers ch an ge. Stu dent u n rest
an d occasion al facu lty agitation di s-
ru p t op erat ion s. Nevert h eless, with a
sem bl an ce of n orm alit y, facu lt y ad-
m i n i s t r at or s ar e ab l e t o p r ov i d e
t each i n g, coord i n at e ex am i n at i on s,
an d award degrees.
Even th e sm all top ti er of h igh -
er ed u cation faces seriou s p rob lem s.
Man y IIT gr adu ates, well tr ain ed in
tech n ology, h ave ch osen n ot to con -
tr ibu te th eir sk i lls to th e bu rgeon i n g
tech n ol ogy sector i n In d ia. Per h aps
h alf l eave th e cou n t r y i m m ed i atel y
u pon grad u ation to pu rsu e advan ced
st u dy abr oad — an d m ost d o n ot r e-
tu rn . A stu n n in g 8 6 p er cen t of st u -
den ts in scien ce an d techn ology fields
fr om In dia wh o obt ain degr ees in t h e
Un ited States do n ot retu rn h om e im -
m ediatel y followin g t h ei r st u dy. An -
ot h er si gn ifican t grou p, of abou t 30
per cen t, decides t o earn MBAs in In -
di a b ecau se local salaries are h igh er
— an d ar e l ost to sci en ce an d tech -
n ology. A corps of dedicated an d able
teach ers work at t h e IITs an d IIM s,
bu t th e lu re of jobs abroad an d in th e
p r i vat e sect or m ak e i t in cr easin gl y
di ffi cu l t t o l u re th e best an d br igh t-
est to th e academ ic pr ofession .
Few i n In dia ar e t h in k in g cr e-
atively abou t h igher edu cation . Th ere
i s n o fi el d of h i gh er ed u cat i on r e-
search . Th ose in govern m en t as well
as academ ic leader s seem con ten t to
do th e “sam e old th in g.” Academ ic in -
st itu tion s an d syst em s h ave b ecom e
large an d com pl ex. Th ey n eed good
d at a, carefu l an al ysi s, an d cr eat ive
id eas. In Ch in a, m ore th an two-doz-
en high er edu cation research cen tres,
an d several govern m en t agen cies are
in volved in h igh er edu cation policy.
In dia h as su rvi ved wi th an i n -
creasin gly m ediocre h igh er edu cation
sy st em for d ecad es. Now as I n d i a
st r i ves t o com p et e i n a gl ob al i sed
econ om y i n ar eas th at r equ i re h igh ly
tr ain ed p rofession als, th e qu ali ty of
h igh er edu cation becom es in creasing-
ly im portan t.
COMPREHENSION TEST
In dia cann ot bu ild in ternational-
ly recogn ised r esearch -orien ted u n i-
versit ies overn i gh t, bu t th e cou n t ry
h as t h e k ey elem en ts in place t o b e-
gin and su stain the process. In dia will
n eed to create a d ozen or m ore u n i-
ver sit i es t h at can com p ete i n ter n a-
tionally to fu lly participate in th e n ew
worl d econ om y. Wit h ou t th ese u n i-
versi ties, In d ia is d est in ed t o r em ain
a scien tific back water.
201. W h i c h of t h e fol l ow i n g
statem ent(s) is/ are correct in th e
con text of t h e given passage ?
I . In dia h as th e t h ir d l argest h igh -
er ed u cation sector i n t h e wor ld
in st u den t n u m ber s.
II . In dia is m ovin g rapid ly t oward
econ om ic su ccess an d m odern i-
sation th r ou gh h i gh t ech in du s-
tr ies su ch as in for m at ion tech -
n ol ogy an d b i t ech on ol ogy t o
m ak e th e n at ion to pr osperit y.
III. India’s systematic disin vestm en t
i n h i gh er ed u cat i on in r ecen t
year s h as yi eld ed wor l d cl ass
research an d m an y wor ld class
t r ai n ed sch ol ars, sci en ti st s t o
su stain h igh -tech developm en t.
(1) On ly I
(2) On ly II
(3) Both I an d II
(4) Both I an d III
(5) Al l I,II an d III
202. Wh i ch of t h e fol l owi n g st at e-
m en ts in regard to th e in form a-
ti on given i n t h e passage is n o t
tr u e ?
(1) Th e L on d on Ti m es H i gh er
Edu cation Su pplemen t rank -
i n g of t h e wor l d ’s t op 2 0 0
u n i ver si t i es h as i n cl u d ed
t h r ee u n iversi ti es of Sou t h
Korea.
(2) India h as recen tly an nou n ced
n ot to produ ce u n licen sed in -
ex pen si ve gen er i c p h arm a-
ceu ti cals th at wil l b e a ch al-
len ge for th e d om estic dr u g
in d u str y to com p ete with th e
m u ltin ation al firms.
(3) Con tem porary large-scale de-
velopm en t requ ires a soph is-
t i cat ed an d at l east p ar t l y
k n owled ge-based econ om y.
(4) Ch in a h as t h e fou rth largest
h igher edu cation sector in th e
world.
(5) Non e of th ese
-308-

203. Accord in g to th e vi ew expr essed
b y t h e wr i t er i n t h e p assage,
wh at i s a st ep t oward recogn i s-
i n g a d i ffer en t i at ed acad em i c
sy st em an d f ost er i n g ex cel -
l en ce ?
(1) Th e Un i ver sit y Gran t Com -
m i ssi on ’s recen t m ajor su p-
p or t t o fi ve u n i ver si t i es t o
bu ild on th eir stren gt h .
(2) New Edu cation p oli cy of t h e
n ew gover n m en t.
(3) Sch ol arsh ips gr an t ed b y t h e
Cen t r al govern m en t for re-
serach .
(4) Govern m en t poli cy t o op en
n ew worl d class i n st itu tion s
(5) Non e of th ese
204. In wr iter’s op in ion wh ich of t h e
fol l owi n g r eason (s) i s/ ar e r e-
sp on sible for p oor h i gh er ed u -
cation in In dia ?
I . In dia’s colleges an d u n iversities,
wi th som e ex cep tion s, h ave b e-
com e large u nder fu nded, u ngov-
ern able in stitu tion s.
II . Politi cs h as in t ru d ed in to m an y
com pu ses th at i n fl u en ces aca-
dem ic ap poi n tm en t s an d deci-
si on s across level s.
III. Un der in vest m en t i n li br ar ies,
laborator ies, IT an d classroom s
h i n der cu tt in g edge r esearch .
(1) On ly I
(2) Both I an d II
(3) Both II an d III
(4) Al l I, II an d III
(5) Non e of th ese
205. Wh i ch of t h e fol l owi n g st at e-
m en ts is n o t t ru e as per th e gi v-
en in form ati on in th e passage ?
(1) Ab ou t fi ft y p er cen t of IIT
gradu ates leave In dia to pu r -
su e advan ced st u dy ab road.
(2) Ab ou t 8 6 p er cen t of st u -
den ts in science an d tech n ol-
ogy fi el d s fr om I n d i a w h o
ob tai n degress in US d o n ot
retu r n h om e fol lowin g th eir
stu dy.
(3) In Ch in a m ore th an two-doz-
en h igher edu cation research
cen tr es an d several gover n -
m ent agen cies are in volved in
h igh er edu cation p olicy.
(4) Th e r i se i n t h e n u m b er of
p ar t -t im e t each er s an d th e
fr eeze on n ew fu ll -ti m e ap-
poin t m en ts in m an y p laces
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
h ave boosted m oral e in aca-
dem ic pr ofession i n In di a.
(5) Non e of th ese
206. Wh at in you r op in i on sh ou ld be
an ap prop riate tit le of t h e given
passage ?
(1) Poor stat e of H igh er Edu ca-
tion in In dia
(2) Polit ics in In d ia’s Edu cati on
system
(3) Moder n isation of In dian Ed-
u cation System
(4) H i gh er Ed u cat i on Su p p l e-
m en t Ran k in g
(5) Non e of th ese
Di r ec t i o n s (2 0 7 –2 0 8 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s
m ost si m i l ar in m ean in g to th e word/
grou p of words printed in bold as u sed
in th e passage.
207. Ach i l l es’H eel
(1) weak n ess (2) st ren gth
(3) acqu iescen e
(4) vu ln erable
(5) st ron g h eel
208. Su st ai n
(1) su ffer (2) maintain
(3) swag (4) swallow
(5) weak en
Di r ec t i o n s (2 0 9 -2 1 0 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s
m o st o p p o si t e i n m ean i n g t o t h e
word/ grou p of word s p rin ted in bold
as u sed in t h e passage.
209. Cu m ber som e
(1) com plicated
(2) complex (3) sim ple
(4) bu lk y (5) h eavy
210. Di fferen t i at ed
(1) Distingu ished
(2) similar
(3) distin ct
(4) u n distingu ish ed
(5) distrau gh t
Di rect i on s (2 11 -2 2 0 ) : Read th e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bold to help you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(SBI Pr obat i on ar y Of f i cer On l i n e
Ex am , 2 1. 0 6. 20 14 )
Asia’s rapid rise is th e m ost su c-
cessfu l story of econ om ic developmen t
in recen t h i story. In com e per capi ta
reach ed n early $5,000 in pu rch asi n g
COMPREHENSION TEST
power parit y t erm s in 20 10. In vest-
m en t r ates averaged 35% of GD P over
th e decade. Th e n u m b er of peopl e li v-
in g below the $1.25-a-day poverty lin e
fell by 430 m il lion b etween 200 5 an d
201 0.
Wi t h su ch ach i evem en t s at a
t im e wh en m u ch of t h e r est of th e
world st ru ggles with au st er i t y m ea-
su res an d econ om ic recovery, Asi an
leaders m igh t b e tem pt ed to swit ch to
au topilot. Bu t closer exam ination of the
region’s econom ic and social prospects
soon reveal s m an y parad oxes.
Th e world ’s fast est gr owin g r e-
gi on rem ain s h om e to n early h al f t h e
world ’s extr em e poor. Wh ile Asi a h as
m ade trem en dou s i n r oads in the figh t
again st povert y, n ot en ou gh of th e r e-
gi on ’s econ om ic pr osp eri ty i s r each -
in g i ts poor est peopl e.
In u r ban ar eas of Ch i n a, for ex-
am ple, the Gini coefficient(am easu re-
m en t u sed to calcu late in equ ality) h as
r i sen m or e t h an 3 5 % si n ce 1 9 9 0 .
Nearl y h alf a b ill ion Asian s st ill lack
access to safe drin k in g water an d i n -
fant m ortality in man y nation s is more
th an 10 tim es h igh er th an th e l evels
seen in developed econ om ies.
Wh ile “Factory Asia” may be tru e
for m an u factu r in g an d i n for m at ion
tech n ology ser vices, vast n u m b er of
i t s peop l e are i l l i t erat e an d u n em -
pl oyed. Its fi n an cial sector i s u n der -
devel oped , with m an y p eop le h avi n g
n o access to sim ple ban k in g, let alon e
ot h er fi n an cial servi ces. Asia’s fu tu re
pr osp eri ty, an d t h e erad ication of ex-
trem e poverty, will requ ire m u ch m ore
th an sim ply high growth. Growth mu st
be accom pan ied by a n arrowin g of i n -
equ ality.
It is essen t ial to bal an ce th e r e-
gi on ’s econ om i c ex pan sion wit h m ore
i n cl u si ve p ol i ci es. Cu t off b y p oor
roads, telecomm u nication s, or govern -
m en t pol icies th at don ’t allow th em to
easily bor row or save, Asia’s poor an d
vu l n erabl e are watch i n g t h e ch asm
between rich an d p oor gr ow ever wi d-
er. Th at gap i n pr osp eri ty can aggr a-
v at e si m m er i n g social, econ omic an d
political ten sion s.
Asi an gover n m en t s can h el p
st em wid en in g i n equ al ity by creati n g
better con d iti on s for th e p rivate sec-
tor t o t ak e th e lead on econ om i c ex-
pan si on , con ti n u in g t o p rom ote eco-
n om ic di versifi cat ion , an d b y spen d-
in g on social servi ces, edu cation an d
-309-

h ealth care, an d region al road, sea an d
ai r n etwork s th at wil l open m or e op-
portu n iti es to m or e peopl e.
Th ere ar e areas wh ere western
gover n m en ts can h elp too. By in vest-
in g in in fr astr u ctu re alon gside pu b lic
len ders, th ey can h el p attr act m u ch
larger su m s from t h e pri vate sector.
Asia can also capit ali se on fin an ci al
l esson s fr om t h e west , par t icu l ar l y
wh en it com es t o setti n g ban k in g reg-
u lation s, stren gth en ing region al link s,
an d p rom otin g b on ds to better u t ili se
Asian savi n gs.
Wh en d escr i b i n g w h er e Asi a
st an d s today, i t’s u sefu l to rem em b er
th at wh at we ar e wi tn essin g is n ot th e
em ergen ce of Asia, bu t rath er th e r e-
em ergen ce of Asi a.
I n 1 8 2 0 , Asi a accou n t ed for
abou t 60% of total global ou tpu t, with
Ch in a an d In di a toget h er accou n ti n g
for n early h alf of global GDP. Th is was
fol lowed by n earl y t wo cen tu ri es of
econ om ic declin e on ce th e western in -
du strial revolu tion took h old – a tren d
th at, si n ce th e in for m at ion age, h as
been sol idly rever sed . B y im plem en t-
in g st ru ct u r al r efor m s an d open i n g
t h ei r econ om i es, Ch i n a an d ot h er s
h ave rapi dly em er ged as en gin es of
th e gl obal econ om y.
Th erecen t Asi an D evel op m en t
B an k st u d y su ggest s th at we cou l d
see Asia pr odu cin g over h al f of glob al
GDP b y m i d -cen tu r y, an d 3 bi ll ion
Asian s wou ld be con sid ered part of
th e rich world, with capita in com e lev-
el s equ al to th at of Eu rope t oday.
Carefu lly calibr ated govern m en t
su pport can h elp steer Asia’s econ om -
ic poten tial, red u cin g p oli tical risk s
wh il e open i n g n ew m ark ets t o h elp
m ove t h e west b eyon d t h e cu r r en t
cr isis. In th e lon g r u n , an Asian econ -
om y b u il t on su stain able gr owt h can
su pport gr eat er level s of trade, an d
generate growth in tou rism . Con verse-
ly, a weak er Asia presen ts a h ost of
th reats to th e west’s fu tu re growth an d
pr osper it y.
Em bracin gglobalisation an dre-
gi on al co-op eration h as h elp ed bri n g
devel opi n g Asi a su ccess. By fu rth er
st ren gth en in g t h is pr ocess b y focu s-
in g on greater access an d i n cl u si on
wi th i n econ om i es, an d pu rsu in g su s-
t ai n ab l e d ev el o p m en t an d
im proved gover n an ce,an Asian cen -
t u r y” i s b ot h p l au si b l e an d wi t h i n
reach .
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Bu t p oli cies th at wor k ed wh en
Asi a w as l ow - i n com e an d cap i t al
scarce are l ess li k el y t o work tod ay
an d u n l ik ely to work in t h e fu t u r e.
Asia’s l ead ers m u st d evi se bol d an d
in novative n ational policies while pu r -
su in g regional and global co-operation.
Lon g-ter m p rosperi ty wil l d epen d on
th e in t en sit y of resou rce u se, in cl u d-
in g wat er an d food , an d su ccess in
m an agi n g th e r egi on ’s car b on foot -
prin t.
Asia’s ch all en ges r em ain form i-
dable, an d i ts fu tu re prosperity m u st
be ear n ed. Th e r igh t poli cy ch oices
t od ay cou l d i n d eed m ak e t h i s t h e
“Asian cen tu ry”, bu t t h is is far fr om
preordain ed.
211. W h i c h of t h e fol l ow i n g
statem ent(s) is/ are correct in th e
con text of t h e passage ?
I . Asia’s per capita in com e reach ed
ap pr ox im ately $ 5 000 i n pu r -
ch asin g p ower pari ty term s in
201 0.
II . Th e n u m ber of peopl e l ivin g b e-
low th e $ 1.25 a day poverty lin e
in Asi a fell by 430 m i llion b e-
tween 20 05 an d 201 0.
III. I n 1 8 2 0 , Asi a accou n t ed for
abou t 60% of total global ou tpu t.
(1 ) On ly I
(2 ) On ly II
(3 ) B oth I an d II
(4 ) B oth II an d III
(5 ) Al l I, II an d III
212. Wh at in you r op in i on sh ou ld be
th e appropri ate tit le of th e given
passage ?
(1) Asia’s Economic Rise and Par -
adoxes
(2) Asia’s Rise an d Eu rope’s Re-
em er gen ce
(3) Econ om ic Back war dn ess of
Asia
(4) D evel op ed an d D evel op i n g
Region s of t h e wor ld
(5 ) Non e of th ese
213. Which of the following is n ot tru e
as per th e given in for m ati on in
th e p assage ?
(1) In u r ban ar eas of Ch in a, t h e
Gin i coefficien t th at is a m ea-
su rem en t u sed t o calcu late
i n equ al i t y h as r i sen m or e
th an 45% sin ce 199 0.
(2) Nearly half a billion Asians still
lack access to safe dri n k i n g
wat er.
COMPREHENSION TEST
(3) Th e i n fan t m or tal ity rate in
m an y Asi an n ati on s is m ore
than 10 times h igher than th e
l ev el s s een i n d evel o p ed
econ om ies.
(4) In vestm en t rat es in Asi a av-
er aged 35 per cen t of Gross
D om est i c Pr od u ct over t h e
decade
(5) Em bracin g globalisation an d
r egi on al co op er at i on h as
h elped brin g d evelopin g Asia
su ccess.
214. In th e au th or ’s opi n ion wh at are
th e areas wh ere west er n gov-
ern men t can h elp Asia boost eco-
n om ic devel opm en t ?
I. B y i n vest i n g i n i n fr astr u ctu r e
al on gside pu blic len ders, west-
ern governm ents can h elp attract
m u ch larger su m s from th e pr i-
vate sector.
II . Asia can capit alise on fin an ci al
lesson s from th e west, Par ticu -
larl y wh en i t com es to set ti n g
ban k ing regu lation s, strength en -
in g region al lin k s an d prom otin g
bonds to better u tilise Asian sav-
ings.
III. “Fact or y Asi a” can m ak e vast
n u m ber of its people literate an d
em ployed.
(1 ) On ly II (2 ) On ly III
(3 ) Both I an d III
(4 ) B oth II an d III
(5 ) B oth I an d II
215. What su ggestions has th e au thor
of th is passage m ade th at can
h el p Asi an gover n m en t s st em
wid en i n g in equ al i ty i n t h e re-
gion?
I. By cr eatin g b etter con dition s for
the private sector to tak e th e lead
on econ om ic expan sion .
II . By con ti n u i n g t o p rom ote eco-
n om ic diversification .
III. By spen di n g on soci al services,
edu cati on an d h eal t h car e an d
region al road, sea an d air n et-
work s th at will op en m or e op-
portu n iti es to m or e peopl e.
(1 ) On ly I
(2 ) B oth II an d III
(3 ) B oth I an d II
(4) Both I an d III
(5 ) Al l I, II an d III
216. Wh i ch of t h e fol l owi n g st at e-
m en ts is n o t corr ect as per t h e
gi ven in for m at i on i n t h e p as-
sage?
-310-

(1) Accor din g t o th e Asian D e-
velopm en t Ban k st u dy, Asia
can produ ce over h alf of glo-
bal GD P by m id-cen tu ry.
(2) In 1820, Ch in a an d In dia to-
geth er accou n ted for n ear ly
h alf of gl obal GDP.
(3) The au th or opines th e neces-
si ty to bal an ce th e Asian r e-
gi on ’s econ om i c ex p an si on
with m or e in clu sive policies.
(4) Th e wi d en i n g gap b etween
rich and poor people can ag-
gr avat e si m m er i n g soci al ,
econ om ic an d polit ical ten -
sion s.
(5) Th e world ’s fastest gr owi n g
Asian region r em ain s h om e
to m or e th an si xt y fi ve p er
cen t of t h e wor ld’s ex trem e
poor.
Di r ec t i o n s (2 1 7 –2 1 8 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s
m ost si m i l ar in m ean in g to th e word/
grou p of words printed in bold as u sed
in th e passage.
217. Au st er i t y
(1) au scu ltation (2) decoration
(3) extravagan ce(4) spen dth r ift
(5) sim plicity
218. I n r oads
(1) Noticeabl e effect
(2) m ak in g road
(3) in secu rities
(4) inqu est
(5) identification
Di r ec t i o n s (2 1 9 -2 2 0 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s
m o st o p p o si t e i n m ean i n g t o t h e
word/ grou p of word s p rin ted in bo l d
as u sed in t h e passage.
219. Aggrav at e
(1) wor sen (2) irritate
(3) aggregate (4) assu age
(5) aston ish
220. Si m m eri n g
(1) seet h in g (2) calm
(3) boiling (4) simu lating
(5) exhilarating
Di rect i on s (2 21 -2 3 0 ) : Read th e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bold to help you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(SBI Pr obat i on ar y Of f i cer On l i n e
Ex am , 2 8. 0 6. 20 14 )
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
O n a t t en d i n g a c o n f er en c e
wh ich focu ssed on th e role of th e ser -
vi ces sector in In d ian econ om y, I was
am azed. Th i s con feren ce gave a very
in ter est in g per spect i v e on th e r ole of
th e service sector in th e growt h of t h e
In dian econ om y in rel ati on t o growth
rates in agricu l tu re an d in d u stry. Th e
cu rren t sit u at ion in In d ia is th at t h e
gr owt h rate of services h as over tak en
both agr icu l tu r e an d in d u str y an d is
n ow m ore th an fift y p ercen t of GD P.
Th e services sector h as th e h igh est
gr owt h rate an d is th e least v o l at i l e
sector. Growth is p arti cu larly m ark ed
i n pu bl i c servi ces, IT an d fi n an cial
ser vices. In som e ar eas th e gr owt h
rate of th e ser vices sector is for ty to
fi fty per cen t d u e t o i n cr eased u se of
m obil e t ech n ologies. In d ia t h er efore
h as a servi ces-ori en ted econ om y. It
hasn’t followed traditional growth mod-
el s as in Ch in a. However, in th e pr o-
cess of doi n g so i t h as sk i pped t h e
m an u factu rin g stage an d h as ju m ped
str aigh t fr om t h e agricu ltu r al stage to
servi ces wh i ch is also t h e m ain rea-
son for t h e exp an si on of th e ser vices
sector. Growth in t h e ser vices sect or
wi ll su pp ort growth in th e agricu ltu r -
al an d in du strial sectors. However th e
on ly setback for In dian econ om y is th e
lack of growth in th e m an u fact u ri n g
sector, wh ich cau ses d epen den ce on
ot h er cou n t ries wh ich is n ot so d esi r -
ab le in t erm s of job creation an d i n -
cr eased prosperit y.
Popu lation i s al so a m ajor con -
cern of t h e In d ian econ om y .As t h e
popu lation of In dia grows so also does
th e n u m ber of depen den ts in th e pop-
u l ati on in b oth th e l ower an d h igh er
age grou ps .In su ch a scen ari o of i n -
cr easin g pop u lation ,especially in an
econ om y wh ich is still recoverin g from
cr isi s ,growth becom es di ffi cu lt . For
su ch an econ om y to grow i t h as t o i n -
vest. Cu r ren tly th e pu bli c sector i n -
vests m ore t h an it saves. Th e h ou se-
h old sector saves in su r plu s, bu t th is
is n ot i n cr easin g so it can n ot con ti n -
u e to su p por t p rivate an d pu blic sec-
t or s. Th er e i s a m assi v e n eed t o
sp en d on agr icu ltu re an d in frastru c-
tu re developm en t of th e cou n try. Apart
from th at health and edu cation, sh ou ld
al so be th e pr ior ity of th e gover n m en t
parti cu l arly th e edu cati on of wom en ,
in or der to red u ce th e bi rth rat e.
However, al l said an d don e we
cann ot den y th e fact that growin g pop-
u l ati on of In di a can also ben efi t t h e
COMPREHENSION TEST
In dian econ om y if con sidered as a r e-
si din g asset an d u sed effici en tl y. In
fact , it i s said th at i n th e n ext t wo
decad es a ‘growth win dow’ for In d ia
wi ll open wh ich m ay n ot com e again
becau se th e work in g popu lation to to-
tal p opu lati on rat io in creases u p to
m i d-203 0s on ly. It is im port an t for
In dia to m aximise its econ om ic growth.
For d oin g so it wil l b e i m portan t for
In di a to absor b th e gr owin g labou r
force if th e servi ces sector is to pl ay
an im por tan t role. In dia is in a stron g
position to do th is sin ce it h as a h isto-
ry of u sing English for com mu nication ,
wh ich in tu rn su pp ort s glob al trade
an d fin an ce. On ly t h e ser vices sect or
can h ave a m aj or i m pact on povert y.
Im provem en t s i n agricu lt u re ar e n ot
h avin g an effect on povert y.
Today, to ad dress th e issu e of
pover ty in In dia th ere i s a n eed t o
ch an ge t h e bad sect ors t o good sec-
t or s an d in tu rn to m ove people from
u n em p loym en t t o em ploym en t. Th is
is h appen in g wi th growth in h u m an
sk ill s i n ten si ve sectors su ch as h o-
t el s, r est au ran t s an d IT, b u t t h er e
ar e geograp h ical, lab ou r u n ion s an d
h u m an sk ill s r estr ict ion s on l abou r
m ovem en t. Th e k ey qu est ion h ere I
su ppose, is th at-can services lead th e
econ om y? For exam p le, can services,
su ch as IT, be tak en to ru ral areas?
Ex per ts in th e con fer en ce h ave su g-
gested th at it seem s t h at th e servi c-
es cou ld lead t h e econ om y; h owever
th ere are a cert ain pr er equ i si t es for
t h e s am e. I n ot h er w or d s , t h er e
n eeds to be greater equ ality between
th e d ifferen t States an d a bet ter gen -
der b alan ce. Th ere is al so th e n eed
for addi tion al fiscal capacity, tax r e-
form s to fu n d edu cation , redu ction in
govern m en t debt an d th e reven u e ac-
c ou n t m u s t b e k ep t i n b a l an ce.
Pr ogr ess is good b u t sti ll in it ial con -
di tion s for growth h ave n ot yet been
ach i eved .
221. Ch oose t h e word wh ich is m ost
opp osite in m ean in g to th e word
given in b old as u sed i n th e pas-
sage.
VOLATILE
(1) Stable (2) Un st able
(3) Volu ble (4) Tran sien t
(5) Volcanic
222. Accordin g to th e passage, wh ich
of th e following is/ are tru e abou t
th e im pact of increasin g popu la-
ti on on In di an econ om y ?
-311-

I. If In dia att em p ts to absorb
al l t h e lab ou r for ce, it wi ll
im pact t h e growth of ser -
vi ce sector n egati vel y an d
i n t u r n h am p er t h e eco-
n om ic gr owt h of t h e cou n -
tr y.
II . As t h e p op u l at i on of t h e
cou n try in creases, the nu m-
b er of d ep en d en t s i n t h e
c o u n t r y a l s o i n c r ea s es
wh ich i n tu rn in creases th e
pr essu re on th e econ om y.
III. An i n cr easi n g p op u l at ion
can n ever l ead th e econ o-
m y of th e cou n try towar ds
prosperity in fact it can only
pu t strain on th e econ om y
of a cou n tr y.
(1) On ly I (2) On ly II
(3) On ly III
(4) Both I an d II
(5) Al l I, II an d III
223. Accordin g to th e passage, wh ich
of th e followin g can be said abou t
two agricu ltu re an d in du stry sec-
tors i n In dia ?
I. Look in g at th e gr owth of th e ser -
vi ces sector i n In d ia it can be
safely sai d t h at th e ser vices sec-
tor will soon b e i n a positi on to
su pport both agricu ltu re an d in -
du str y sector.
II . Th e agricu lt u re an d t h e i n du s-
tr ial sector of th e cou n try h ave
r each ed t h ei r t h r esh ol d an d
th ere cou ld be n o u se of fu rth er
in vestm en t in th ese sector s.
III. Cu rrently th e agricu ltu re an d in -
du str y sect ors con tri bu t e l esser
as com par ed to servicees sect or
to th e GDP of t h e cou n tr y.
(1) On ly I
(2) On ly II
(3) Both I an d III
(4) Both II an d III
(5) Al l I, II an d III
224. Wh at does t h e au t h or m ean by
t h e st at em en t , “...... a growt h
wi n dow for In di a will op en ” ?
(1) In th e com i n g years th e In d i-
an econ om y will gr ow as t h e
servi ce sector of th e cou n t ry
wou ld be boom i n g du e t o th e
focu s of th e gover n m en t on
th at sector.
(2) On ly u pt o t h e n ext two d e-
cades wou ld In dian people be
in ter est ed in fin d in g jobs in
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
t h e cou n t r y b eyon d wh i ch
th ey sear ch for jobs abroad
thu s h am pering th e growth of
In dian Econ om y.
(3) In th e n ext two decades In -
di an Econ om y will h ave an
opp or tu n i ty t o gr ow as th e
work i n g p opu lat ion of In d ia
wi ll be h igh as com par ed to
th e d epen den t popu lat ion .
(4) Th e growt h of In di an Econ o-
my is lik e a small win dow an d
in or der to su bst an t iat e t h e
gr owt h i t i s im por tan t t o i n -
crease t h e size of th e win dow
by im provin g t rad e r elation s
wi th oth er cou n t ries.
(5) Th ere wou ld be on l y a sm all
period of ti m e in wh ich t h e
econ om y of In d ia h as to grow
an d i f i t fail s to do so it wi ll
n ever be ab le t o r ecover fr om
th e econ om ic down fal l.
225. Ch oose t h e word wh ich is m ost
si m il ar i n m ean in g to th e word
given i n bol d as u sed i n th e pas-
sage.
PREREQUISITE
(1) Pr e r ecord (2) Precon dition
(3) Prerogat ive (4) Prescription
(5) Pr e selecti on
226. Wh at does t h e au t h or m ean by
th e statem ent “to chan ge th e bad
sectors to good sectors” ?
(1) Th e au th or opin es to d evel-
op th e n eglected sectors so
th at em pl oym en t is created.
(2) Th e au th or h as u sed a si m -
pl e p h rasal exp ression .
(3) Th e au t h or em p h asi ses t o
m ak e peop le wor k better.
(4) Th e au th or is of th e op in i on
t h at a d evel op i n g sect or s
sh ou ld be tran sform ed in to a
devel oped sector.
(5) Non e of th ese
227. Ch oose t h e word wh ich is m ost
si m i l ar i n m ean i n g t o th e word
given in b old as u sed i n th e pas-
sage.
PERSPECTIVE
(1) Perspiration
(2) Rel evan ce
(3) Pertu rbation
(4) Im pu d en ce
(5) Viewpoin t
228. Wh i ch of t h e fol l owi n g st at e-
m en t(s) i s/ are t ru e in th e con -
text of t h e passage ?
COMPREHENSION TEST
I . Services sector gr ew i n som e ar -
eas abou t forty to fi fty per cen t
du e to in creasin g m obile ph on es
II . Du rin g cou rse of its growth , ser -
vi ces sect or h as sk i p p ed t h e
m an u factu rin g stage.
III. Th e services sector h as th e h igh -
est gr owt h r ate bu t is th e m ost
vol atile sect or. (1) On ly I
(2) On ly II
(3) Both I an d III
(4) Both I an d II
(5) Al l I,II an d III
229. Accor din g to th e au th or, wh i ch
of th e followin g can be said abou t
th e growth of services sect or in
In dia ?
(1) Th e growt h of services sec-
tor i n In dia is facil itat ed by
th e i m provem en t in tech n ol-
ogy.
(2) Th e expan sion of service sec-
tor i n In di a was seen m ain ly
becau se of th e gr owt h i n t h e
agricu ltu ral sector.
(3) In dia is essen t ial ly an agrar -
ian econ om y an d is n ot yet
ready to sh ift focu s from ag-
r icu l tu r e sect or t o ser vi ces
sect or.
(4) It wil l t ak e th e servi ce sect or
at least arou n d two decad es
before i t can overtak e th e ag-
ricu ltu re an d in du stry sector.
(5) In dian econ om y can n ot r u n
on ly on th e basis of ser vices
sector i .e., wi t h ou t fu rt h er
devel opm en t in th e agr icu l-
tu re an d th e i n du str ial sec-
tor.
230. Ch oose th e word wh ich is oppo-
si t e i n m ean in g to th e word gi v-
en in bol d as u sed in th e pas-
sage.
MASSIVE
(1) Lar ge
(2) Enorm ou s
(3) Meagre
(4) Mass-pr odu ce
(5) Volu minou s
Di rect i on s (2 31 -2 4 0 ) : Read th e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bold to help you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(SBI Pr obat i on ar y Of f i cer On l i n e
Ex am , 2 8. 0 6. 20 14 )
-312-

We sh ou l d n ever con fu se ed u -
cati on with train in g or th e “tools” th at
ed u cator s u se. Edu cat ion is n o m ore
a com pu ter or an on lin e class th an it
i s a ch alk b oar d - th ose ar e si m pl y
tools. Ad dit ion ally, p reciou s few n ew
an d r elevan t fi n di n gs h ave b een ad d-
ed to ou r in sigh ts in to th e learn i n g
process; m u ch of wh at m an y proclaim
to be in sigh tfu l tu rn s ou t t o be fad-
di sh an d m i sgu ided . Wh at we n eed
for learn in g to occu r are well-prepared
an d m otivated teach ers, stu den ts wh o
ar e will in g an d ab le to lear n , an d a
social syst em t h at valu es edu cation al
at tai n m en t. Man y m i gh t tak e excep-
tion to th ese assert ion s, raisin g a h ost
of ancillary social, econ omic, n u trition-
al , an d soci ological i ssu es. However,
d ecad es of d at a fr om fai l ed p u b l i c
ex p er i m en t s ai m ed at m i t i gat i n g
th ese prob lem s ar gu e to th e con trar y.
Wh at ar e we t o d o? Cr eat e a
wave of ed u cat i on al en t r ep r en eu r -
sh ip? Despit e all th e h ype an d m ed ia
att en tion , n o on e cu rren tly k n ows th e
best way forward. We m u st i n cen ti v-
ize edu cation alists, tech n ologists, an d
cl assroom teach ers/ pr ofessor s t o ex-
perim en t an d in n ovate. Su ch partn er -
sh ips sh ou ld fr eel y expl ore alt ern a-
ti ves as we seek to defin e t h e b len d-
ed, face-to-face, an d on line classroom s
of th e fu t u re.Som e ap pr oach es wil l
fail, b u t th at is par t of th e ch an ge pro-
cess. Th ere wi ll be n o on e-size-fu tu re
fi ts-all ex per ien ce; su ccess will vary
by di sci plin e an d edu cat ion al objec-
tives. Un less everyon e in volved in th is
pr ocess i s i n sp ired to tak e risk s, we
wi ll n ot en j oy th e fu ll pot en ti al th ese
n ew approach es repr esen t. Also, we
sh ou l d n ot forget t h e ext en t to wh i ch
th ose wh o m ost ben efi t from th e cu r -
ren t system wil l attem pt to h ijack th is
ch an ge p rocess for th eir own pu rpos-
es.
Wi th t h ese i ssu es i n m in d, con -
sider th e followin g vision of th e ch ange
pr ocess to t h e classr oom of tom orr ow
- a vi sion th at leverages tech n ol ogy to
cr eat e a m ore person alized learn i n g
ex peri en ce.
With th e on set of th is vision th e
p r ofessor -st u d en t r el at i on sh i p wi l l
ch an ge. Wh at is n ot li k el y t o su rvi ve
is th e l arge cl ass in wh ich everyon e
p r ogr esses at t h e sam e pace. Th at
parad igm wi ll be r epl aced b y a m ore
cu stom ized an d collaborative learn in g
pr ocess. Th e realit y of a tech n ology-
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
en ab led p er son al ized learn in g en vi-
ron m en t is still evolvin g. Wh at seem s
clear is th at at its h eart is a m ore col-
l ab or a t i ve an d p a r t i al l y st u d en t -
m ap p ed an d - p aced p r ocess. Th e
fu n ct i on of t h e p r ofessor, ai d ed b y
edu cation alists, will also ch ange. Stu -
den t-pr ofessor coll aboration wi ll n ow
deter m in e both wh at con ten t can be
assi gn ed t o d r i l l/ p r act i ce m et h od s
an d h ow t h e st u den t d em on str ates
m astery of t h at con ten t. In su ch cas-
es, t im in g i ssu es will m ost lik ely be
left en ti rel y i n th e stu d en t ’s h an d s,
wh il e tech n ology speci al ists r ecom -
m end th e best hardware an d software
solu tions. Critical think ing/ application
i deas wi ll i n volve m or e sp eci al ized ,
face-to-face, an d i n t er act i ve on l i n e
app r oach es geared to th e r eal-t im e
n eed s an d p r ogr ess t h e st u d en t i s
m ak in g. Th u s, th e pr ofessor - wit h
th e stu den t’s h elp - will vigilan tly m ix
an d blen d th e learn in g in gredien ts to
produ ce a n ew learn in g en viron m en t.
How t h is process pl ays ou t i n reali ty
wi ll be t h e resu lt of edu cat ion al en -
tr epr en eu rsh ip, bu t i t will su r ely en -
t ai l both su ccesses an d some failu res.
Th e adm in istrati on an d accredi-
tation of ed u cation wi ll also h ave to
change. As more edu cation occu rs ou t-
side th e br ick s an d m ortar fram ework
an d i s m ore cen tred on t h e stu den t-
pr ofessor i n teraction , t h e rol e of all
n on -t each in g staff wi ll n eed t o b e r e-
assessed. As st u den ts an d facu lt y i n -
cr ease th eir u se of tech n ology t o per -
son al i se t h ei r form al an d i n for m al
l ear n i n g, ed u cat i on al t ech n ol ogist s
m u st be on h an d to facili tat e th e ef-
fecti ve u se of th at tech n ology. Also,
the cu rren t h ierarch ical an d stan dard-
ized ou t com es form u las for adm in i s-
tr ati on an d accredi tat ion of ou r col-
leges an d u n iversi ties are n o l on ger
ten ab le. Realistically, t h ey are an i m -
pedi m en t t o t h e ch an ge n eeded.
Fi n all y, we m u st ad dress on e of
th e most seriou s ch allenges facing on -
lin e edu cati on - ch eatin g. Sim ply pu t,
ch eat in g is ram pan t, an d we are tu rn -
in g a bl in d eye to th e p robl em . Pr e-
su m ably tu ition reven u es an d th e con -
ven ien ce of on l in e cl asses are th e pr i-
m ary reason s for i n action . Ch eati n g
th reaten s th e i n tegrit y of t h e edu ca-
ti on al pr ocess, h owever, an d th e val-
u e-added of the degree. Solu tion s mu st
b e fou n d an d i m p l em en t ed - or al l
ch an ges will be for n au gh t.
COMPREHENSION TEST
231. Ch oose t h e word wh ich is t h e
m ost Opposi t e in m ean in g to th e
word given in b old as u sed in
th e passage.
Mi t i gat i n g
(1) Assu agin g (2) Alleviatin g
(3) Worsen in g (4) Mixing
(5) Misu sin g
232. Ch oose t h e word wh ich is m o st
si m i l ar i n m ean in g to th e word
given i n bol d as u sed i n th e pas-
sage.
Per son al i se
(1) To m ak e p erson
(2) Particu larise
(3) Per son age
(4) Gen eralise
(5) Per son i fy
233. Accor din g to th e au th or, wh i ch
of th e followin g ch an ges wil l oc-
cu r wit h th e on set of th e desi red
level of tech n ology aided edu ca-
tion.
I . The pace of learnin g for each stu -
den t wil l be di fferen t.
II . Th e role of th e teach er will chan ge
and becom e one of being th e pro-
vider of tailored learn in g con ten t
to th e st u den t.
III. Th e d eci sion of h ow m u ch ti m e
a stu den t n eed s to learn wi ll be
left to t h e stu den ts disp osal.
(1) On ly I (2) On ly II
(3) On ly III
(4) Both I an d II
(5) Both I an d III
234. Accor din g to th e au th or, wh i ch
of th e followin g sh ou l d be don e
to effecti vel y in tegr ate tech n ol o-
gy wi th edu cat ion ?
I . We sh ou ld b e alert abou t people
w h o m a y n o t a l l o w c er t a i n
ch an ges for th ei r own ben efit s.
II . In novation amongst stak eholders
of ed u cat i on an d t ech n ol ogy
sh ou ld be en cou r aged.
III. Ri sk t ak i n g sh ou ld be k ept to a
bar e m in i m u m to m itigatin g ad-
ver se effects.
(1 ) On ly I
(2 ) On ly II
(3 ) On ly III
(4 ) All t h ree I, II an d III
(5 ) B oth I an d II
235. Accor din g to th e au th or, wh i ch
in n ot t ru e ab ou t ch eat in g ?
(1) I t i s q u i t e p r ev a l en t a t
p r esen t .
-313-

(2) Not m u ch i s b ei n g don e to
cu rtail it at presen t.
(3) It is on e of th e gravest prob-
lem s faced i n edu cation .
(4) It u n d er m i n es t h e val u e of
t h e c r ed en t i a l o b t a i n ed
th rou gh edu cation .
(5) All th e given option s are tru e.
236. Wh at d oes t h e au t h or m ean
wh en h e u ses th e words ‘wi ll be
for n au gh t’?
(1) Au th or m ean s, th e efforts will
be su ccessfu l.
(2) Au th or m ean s, th e efforts will
get n oth i n g.
(3) A u t h o r f eel s i t i s on l y a
dream .
(4) Au th or en cou rages to reach
th e zen it h .
(5) Non e of th ese
237. Ch oose t h e word wh ich is m ost
opposi t e in m ean in g to th e word
given i n bol d as u sed i n th e pas-
sage.
IMPEDIM ENT
(1) Obstacle (2) Restriction
(3) Friction
(4) Facilitation
(5) Felicitation
238. Wh ich of th e followin g is m ost
n early th e SAM E i n m ean i n g as
th e word given in bol d as u sed
in th e p assage ?
Entail
(1) In volve (2) Di ssol ve
(3) Disap pear (4) Trap
(5) En su e
239. Which of th e followin g can be th e
m ost su i tab le titl e for th e pas-
sage ?
(1) Edu catin g th rou gh tech n olo-
gy-wh at th e fu t u re can b e.
(2) Evol u tion of Tech n ology-Th e
way forward for tech .
(3) Lim itation s of tech n ology.
(4) Teach ers-An ob solete fu tu re.
(5) Th e h ype ar ou n d tech n ology
aided edu cation .
240. Wh ich of t h e fol lowi n g i s tr u e
accor din g t o t h e au t h or ?
I. Th e way t h e coll eges are gran t-
ed certi ficati on will h ave to be
ch an ged t o accom m od at e t h e
ch an ges i n i m parti n g edu cati on
th rou gh tech n ology.
II . With th e on set of th e desired lev-
el of tech n ology en abl ed edu ca-
tion , learn in g will becom e a join t
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
effor t of st u d en t s as w el l as
t each ers.
III. With th e on set of tech n ology en -
abled edu cation , th e sch ool/ col-
lege premises or bu ilding will lose
its im portan ce sligh tly.
(1) Both I an d II
(2) Both I an d III
(3) Both II an d III
(4) On ly II
(5) Al l t h ree I, II an d III
Di r ect i on s (24 1 –2 50 ) : Read th e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bold to help you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(SBI Associ at es PO On l i n e
Ex am , 2 9. 1 1. 20 14 )
Capit ali sm is a gr eat sl ave, b u t
a pat h et ic m ast er. Th is tru t h u n for -
tu n ately gets lost in ou r ch ase for th e
el u si v e d r eam ......especi al l y in t h e
West, th e lan d th at h as been m ark et-
ed as th e l an d of dream s — t h e great
Wester n dream . It’s t h e dream of b e-
i n g i n d ep en d en t m a st er s o f o u r
li ves,of m ak in g bi g b u ck s an d of b e-
in g h app y— even if th at h app in ess is
bein g bou gh t by m on ey wh i ch all of
th em ch ase ou t th ere. No dou bt , t h e
West, on its part, h as been fairly su c-
cessfu l i n creatin g m ater ial com for ts
a plen ty. It h as i m pr oved th e l ivi n g
st an d ard of its average citi zen . How-
ever it h as been ach ieved as a r esu lt
of m ore th an 2 00 year s of u n br idl ed
gr owt h an d expl oit ati on . An d th at is
wh at h as m ade th e rest of t h e wor ld
m i n d l essl y ch ase west er n i sm , n ot
n ecessar i l y h ap p i n ess or an i d eal
form of soci ety. Al l b ecau se th e sh op
wi n dow l ook s very im p ressive an d it
h as b een m ark eted very wel l.
Bu t a deep l ook in side th e sh op
t el l s t h e d i ffer en t t al e A d i ffer en t
wor ld l ies b eh in d , a world th at is n ot
qu it e visibl e to th e starry eyes of m il-
li on s — for wh om th e western way of
life seem s to be th e u lti m ate dream .
Th u s we h ave In dian s dream i n g
t o b ecom e or t o get m ar r i ed t o an
NRI an d In d ian m id dle cl ass fath ers
dr eam in g of th eir son ’s reach in g t h e
bay area an d l an di n g th e tech job s,
u n m i n d fu l of t h e secon d cl ass l i fe
t h ey en d u p l ead i n g i n t h e west .
Wh at goes u n seen an d alm ost u n -
h eard is th at th e west also h appen s
to be th e lan d th at i s r igh t am on gst
COMPREHENSION TEST
th e t op i n t erm s of th e n u m b er of d i-
vorces per t h ou san d , t h e n u m b er of
single parents per thou san d, the nu m-
ber of old people in old h om es, t h e
n u m ber of su ici des, h om icides, an d
of cou r se, t h e n u m b er of col l ege/
sch ool sh ooto-u ts.
An d wh y n ot! After al l, su ch soci-
eti es ar e con st an t ly d r iven t oward s
h i gh er p r o f i t s a n d m a t er i a l i s m ,
expectedly, th is m ater ialism com es at
a cost t h at th e world is payin g t oday.
Th is is th e reason wh y we h ave m i l-
li on s dyin g of cu rabl e d iseases i n Af-
ri ca an d ot h er u n d erd evelop ed cou n -
tr ies, wh ile th e rich gr ow rich er. Th eir
gr owth wil l be r edu ced;if t h ey were
to st art th in k in g of th e poor. So wh at
do th ey d o t o j u sti fy th eir greed for
m ore ? Th ey m ost sh r ew dl y pr op a-
gate m ark et a ridicu lou sly primitive law
of th e j u n gle for ou r 21 st cen tu r y ci-
vi lian , ‘th e law of t h e su r vival of t h e
fittest’!
Th e in ter est in g th i n g abou t m a-
terial t h in gs i s t h at th ey on ly gi ve an
i ll u sion of h ap pi n ess; h oweversu ch
h app i n ess i s al ways m om en t ar y i n
n at u re. Ergo, at t h i s j u n ctu r e, you
feel you are th e h ap piest person in
th e worl d, after b u yi n g you r n ew car
or flat screen TV, an d ju st a few days
later,t h ese ar e t h e very possession s
th at cease to m ak e you h app y. Wh ile
you ch ase th e b igger car an d spen d
th at extr a b it of t h e wealth , you i n -
tercept som eon e’s sh are of t h e dai ly
b read an d al so sacr i fi ce t h ose wh o
h ave t h e m ax i m u m p ower t o m ak e
you h ap p y— fam i l y, em ot i on s an d
love. Prolon ged abstin en ce i n feeli n g
em ot i on s fin al ly d est r oys b li ss;an d
you don ’t even realize wh en you h ave
b ecom e a dr y-eyed cri p pl e. .... an d
th en you land u p in semon work shops
to fin d ou t th e real m ean in g of l ife or
wh atever th ese work sh ops are cap a-
b le of ex pl ai n i n g. Th e tr u t h is t h at
su ch wor k sh ops are also dr iven b y
m erchan ts wh o cash in on th e deject-
ed st ate of th e p eopl e, a stat e creat-
ed by th ei r own fiction al dr eam s. Bu t
by th en it is really t oo late.
By th en you h ave made profits ou t
of ar m s, an d en gin eer ed wars to k eep
that indu stry alive. You have sold gu n s
across t h e cou n ter s at su per m ark ets
an d m ade profit s. You ’ve lob bied th at
gu ns sh ou ld be m ade accessible to th e
com m on m an , all for th e sak e of prof-
it. Th is mak es you realise one day th at
th ey are you r own ch il dren wh o are
-314-

in th e l in e of fi re agai n st th e sch ool
goer wh o op en s fi r e at h is sch ool -
m ates.
Th is is th e society th at fin ally cre-
ates an em otionless mon ster, wh o gets
sat isfaction in k i llin g adu lts an d ch il-
dren alik e for n o cau se, n o reason an d
for n on e, for h im self. It i s t h e u tt er
destru ction of spiritu alism an d th e to-
tal focu s on en dless self gr ati fication .
Wh ere so m an y sin gle par en t fam ili es
an d d ivorce ex ist , it is im possib le to
bring u p ch ildren or in flu ence th e k ill-
er s, an y better.
241. Wh o does t h e au t h or h old r e-
sponsible for the sh ooting spread
in sch ool s an d coll eges ?
(A) Lack of l ove an d em oti on in
th e soci ety in gen eral.
(B) In creased focu s on self grat i-
fi cat ion even wh en it com es
at th e cost of in n ocen t lives
(C) Deterioratin g social stru ctu re
leadi n g to break u p of fam i-
li es r esu lti n g i n l ack of m or al
developm en t in ch i ldren .
(1) On ly A
(2) On l y C
(3) On ly B an d C
(4) Al l of th ese
(5) Non e of th ese
242. Wh y does th e au th or refer to th e
law of su rvi val of th e fi ttest as
ridicu lou s ?
(1) Th i s l aw i s p r i m i t i ve an d
h olds good for developed n a-
tions
(2) Th is p ri m i ti ve l aw i s often
u sed to j u st ify th e accu m u -
lation of weal th by sel ect ed
few
(3) Peo p l e f r o m d ev el o p i n g
cou n tries u sed it to ration al-
ize t h ei r i m m i gration t o t h e
Wester n cou n tries.
(4) It is tr u e th at on ly th e m ost
su itable person will su cceed
in life.
(5) Non e of th ese
243. As per th e given in for m ati on in
th e p assage, wh at h as m ad e t h e
r est of t h e w or l d m i n d l essl y
ch ase wester n ism ?
(1) I t i s h ap p i n ess t h a t l i es
th er e.
(2) It is an ideal for m of society
th at att racts t h e rest of t h e
world.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(3) Th e sh op win dow in th e west
look s very im p ressive an d it
h as b een m ar k et ed v er y
well.
(4) Good academ ic opportu nities
cr eate fasci n ati on
(5) Non e of th ese
244. As m en t i on ed b y t h e au t h or,
wh i ch of t h e fol l ow i n g st at e-
m en ts is n ot tru e r egardin g t h e
west ?
(1) Th e west h as been fairl y su c-
cessfu l in creati n g m at eri al
com for ts.
(2) Th e west h as i m pr oved t h e
li vin g stan dar d of i ts aver -
age ci tizen .
(3) Th e stan d ard of l ivin g h as
im proved du e t o u n br idl ed
growth an d exploitation .
(4) Th e h ard lab ou r of cit izen s
an d h u m an it y t o t h e n eedy
h ave paid th em divi den d.
(5) Non e of t h ese.
245. As op in ed by th e au th or, wh i ch
tr u th u n for tu n atel y gets lost in
ou r ch ase for th e great western
dr eam ?
(1) Happi n ess li es in m aterial-
ism .
(2) An id le m an dies u n recogn -
ised.
(3) On e can n ot gr ow wi t h ou t
dream
(4) Capit ali sm is a great slave,
bu t a path etic m aster.
(5) Non e of t h ese.
246. Wh at th e au th or con si der s t h e
reason wh y we h ave m ill ion s dy-
in g of cu rab le diseases i n Afri ca
a n d o t h er u n d er - d ev el o p ed
cou n tr ies ?
(1) materialism
(2) back war dn ess
(3) u n su itabl e way of livin g
(4) in creasin g popu lation
(5) lack of edu cat ion on san it a-
tion
247. Wh at in you r op in i on sh ou ld be
th e m ost app rop riate titl e of t h e
gi ven passage ?
(1) Mater ial ism – a tr u e dream
(2) Mater ial ism – an ill u si on of
h ap pin ess.
(3) Gr wot h is pr elu de to h app i-
n ess.
(4) Fam il y an d em otion s h in der
growth
COMPREHENSION TEST
(5) Developm en t an d h appin ess
go togeth er.
Di r ec t i o n s (2 4 8 –2 5 0 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s
m ost si m i l ar in m ean in g to th e word/
grou p of words printed in bold as u sed
in th e passage.
248. SH REWDLY
(1) Rou ghly (2) Righ tly
(3) Ru dely
(4) Cou rteou sly
(5) Astu tely
249. CHASE
(1) Follow
(2) Captu re (3) Ru n
(4) Catch (5) Con qu er
250. ELUSI VE
(1) Ter rifyin g (2) Un u su al
(3) Un ach ievable
(4) Hau nting
(5) Displeasin g
Di r ect i on s (25 1 –2 60 ) : Read th e
foll owi n g p assage car efu ll y an d an -
swer th e qu esti on s given betow i t.
(SBI Associ at es PO On l i n e
Ex am , 2 9. 1 1. 20 14 )
In deed th e western recessi on is
reall y th e b egi n n in g of good n ews for
In dia! Bu t t o u n der stan d th at we wi ll
h ave to m ove away for a wh ile fr om
th e t opi c of west ern recession .....to
th e J apan ese recession ! For year s t h e
J ap an ese st yle of m an agem en t h as
been adm ired. However over th e last
decad e or so, on e k ey qu estion h as
sp ru n g u p ‘if J apan ese m an agem en t
style is as wonderfu l as described th en
wh y h as J ap an been in a recessi on
for m ore th an a d ecade ?’
The answer to this qu estion is very
si m pl e. Cu l tu r e pl ays a ver y i m por -
tan t part in sh apin g u p econ om ies.
Wh at su cceed s i n on e cu lt u re fai ls in
an oth er. J apan ese are basicall y n on
m ater ial isti c. An d h owever r ich th ey
becom e u nlik e oth ers, th ey can n ot ju st
k eep th r owi n g an d bu yin g en dlessl y.
An d on ce th ey h ave everyt h in g th ey
n eed; th ere is a satu r ati on poin t. It
was on l y wh en com pan ies lik e Toyota
reali sed th at th ey can n ot k eep selli n g
cars en d lessly to th eir h om e m ark et
th at th ey wen t really aggressive in th e
western m ark ets an d t h e rest is h i s-
tory J ap an ese com p an i es grew b igger
by caterin g to th e world m ark ets wh en
th eir h om e m ark ets sh ru n k .
An d t h e m ark ets h ave to sh ri n k
fi n al ly aft er att ain i n g a l evel of i n fl u -
-315-

en ce! An d th at’s great of t h e world be-
cau se earth n eeds su stai n abl e d evel-
op m en t. It d oes n ot n eed m on strou s
consu m ers wh o k eep con su ming at th e
cost of th e en vironm en t an d th e earth .
Th ere sh ou l d b e li m it s t o growth so
th at con su m ers are n ot con verted in to
m ater ial du stbi n s for th e pr ofit of a
h an dfu l of corpor ation s.
Owin g to th e m aterialistic cu ltu re
elsewh ere, it was possible to k eep sell-
in g n ewer p rod u cts to th e con su m ers
d esp it e h avi n g ex ist in g on es wh ich
served equ al ly wel l. Th ey were lu r ed
t h r ou gh ad vert i si n g an d m ark et in g
t ech n i qu es of d u st bi n i sat ion of th e
cu stom er ; an d t h en fi n al ly on ce th ey
becam e ready cu stom er s, t h ey were
gi ven loan s an d cr edi ts to h elp th em
bu y m ore an d m ore.Wh en all th e cred-
it wor th y people wer e given l oan s to a
logical lim i t, th ey ceased to b e a part
of th e m ark et. Even th is wor ld i s u n -
derst an d abl e i f it cou ld work as an
eye open er, in stead of tak i n g t h e ri gh t
st ep’as Toyota did, th ey preferr ed to
tak e a ‘sh ortcu t. Now ban k s wen t to
th e n on cred itwort h y people an d gave
t h em l oan s. Th e p eopl e ex p ect ed l y
defau lted an d t h e en t ire system col-
lapsed .
Now l ik e Toyota western com p a-
n i es wil l learn to fi n d n ew m ar k et s.
Th ey wil l n ow l ean towar ds In di a b e-
cau se of its com m on m an ! Th e b illi on
pl u s pop u lat ion in th e n ext 25 years
wi l l b ecom e, a con su m i n g m i d d l e-
class. Fin ally, th e world’s attention will
sh ift to th e devel opi n g wor ld. Fin all y,
th ere wi ll b e a real su r ge in i n com e of
th ese peopl e an d in t h e n ex t fift y odd
years, on e can really h ope t o see an
equ al world in term s of m aterial pl en -
ty, with povert y b ein g alm ost n on ex-
isten t! An d t h is wi ll h ap pen n ot by
selli n g m ore cars t o Am er ican s an d
Eu r opean s. It will h app en b y cr eati n g
m ar k ets in In dia, Ch in a , Lat in Am er -
ica an d Afr ica, b y gi vin g t h ei r p eop le
p u r ch asi n g p ower an d b y m ak i n g
pr odu cts for th em .
Th e r ecession h as m ad e u s rea-
li se t h at is n ot becau se of worse m an -
agem en t t ech n iqu es, bu t b ecau se of
li m it s t o gr owt h . An d th ey will reali se
th at it i s great for p lan et ear th . Aft er
al l, h ow m an y cars an d h ou ses m u st
th e r ich own before calli n g it en ou gh
? It’s t im e for t h em to look at oth ers
as well. Man y years back , to in crease
h is own profit s, Hen ry Ford h ad start-
ed payin g h is work ers m ore, so th at
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Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
th ey cou ld b u y h is car s. In si m i lar
fash i on , n ow th e devel oped world wi ll
pay th e d evelopin g wor ld peopl e so
th at th ey can bu y th eir cars an d wash -
in g m ach in es.
Th e r ecession will k i ck -star t t h e
p rocess of m ak i n g t h e en ti r e worl d
m ore prosperou s, an d l ay th e fou n da-
tion of lim its to growth in th e west an d
th e fou n dati on of real glob alization in
the world— of th e globalization of pros-
perit y. An d on e of it s first ben efici a-
ri es wil l b e i n di a.
251. Wh at does t h e au t h or m ean by
th e “Righ t Step” in th e passage ?
(1) Gi vin g l oan s t o cred itwort h y
people on ly
(2) Con sideri n g m ark et gr owth
al on g wit h en vi ron m en t pr o-
tection
(3) Restrictin g people to bu y only
su ch p r od u ct s w h i ch ar e
n eeded by th em
(4) To st art look in g at n ewer av-
en u es an d m ark ets
(5) Non e of th ese
252. Al th ou gh ad m ired sin ce year s,
wh y di d t h e scep ticism over t h e
J ap an ese m an a gem en t s t y l e
st art si n ce th e l ast decad e?
(1) J ap an ese com p an i es h ave
b een m ovi n g ou t of t h ei r
h om e m ark ets si n ce th e last
decade
(2) J apan ese ban k s h ave provid-
ed loan s in discri m in ately to
th e credit worth y as wel l as
n on cred itworth y p eop le
(3) B ecau se J apan ese m ark et s
h ave b een goin g th rou gh a
period of con ti n u ou s r eces-
si on sin ce th e last d ecade
(4) Th e u n lim ited growth of t h e
J apan ese m ark ets h as com e
at t h e cost of t h e west er n
m ark et.
(5) Non e of th ese
253. Wh y does th e au t h or foresee th e
m ark ets bein g created in th e de-
vel op i n g cou n t r i es i n st ead of
Am erica an d Eu rop e ?
(1) All developin g cou n tries have
m aterialistic cu ltu re
(2) Developin g cou ntries are will-
i n g t o m a k e an ef f or t t o
ach ieve globalization
(3) Am erican and Eu ropean mar -
k ets h ave h ad a large n u m -
ber of cred it defau l ter s.
COMPREHENSION TEST
(4) Recessi on h as n ot h i t t h e
m ark ets of d evelop in g cou n -
tr ies yet
(5) Non e of th ese
254. Accord in g to th e au th or, wh at is
th e m ain cau se of J ap an ese r e-
cessi on ?
(1) On ly a h an d fu l of cor por a-
ti on s earn ed p rofits an d n ot
th e peopl e i n gen er al
(2) Non credit worth y people de-
fau lt ed wh ich l ed to a col-
lapse of th e en tir e syst em
(3) Con su m ers were sold n ew-
er pr odu cts wh ich were sim -
ilar in qu ality to t h e exist in g
ones
(4) J apan ese d o n ot pu rch ase
en d l essl y an d t h u s w h en
pr odu ct s h ad been sol d to
every cu stom er, th e m ark ets
sl owed down
(5) Non e of th ese
255. How does t h e au th or foresee t h e
fu tu re globalization as an an alo-
gy to Hen ry Ford’s exam ple ?
(A) Car com panies wou ld start sell-
ing cars in developin g cou n tries
as well
(B) By payin g th e d evelopin g world
wou ld in crease its own pr ofi t,
in tu rn bringing afflu ence to de-
velop in g world as well
(C) To earn profit, th e com p an i es
in devel opi n g cou n tri es wou ld
m ove to foreign lan d
(1) On ly A
(2) On l y B
(3) On l y C
(4) On ly A an d C
(5) Non e of th ese
256. Accordin g to th e passage, wh ich
of th e followin g was NOT an ef-
fect of p rovid in g l oan s an d cr ed-
it s t o t h e cu stom ers ?
(A) Th e n on creditworth y people de-
fau lted
(B) Peop l e b ou gh t n ew p r od u ct s
wh ich wer e n ot n eed ed
(C) Pover ty b ecam e n on -exi sten t
(1) On ly A
(2) On l y B
(3) On ly A an d B
(4) On ly B an d C
(5) On l y C
257. Wh at does t h e au t h or m ean by
‘du stbinisation’of the cu stomer ?
-316-

(1) Con vi n ci n g th e cu stom er to
b u y p r od u ct s h e d oes n ot
n eed
(2) Den yi n g th e n on cr edi twor -
th y p eop le of an y loan s
(3) Den yi n g m or e loan s to peo-
pl e wh o h ave al ready tak en
loan s to a logical lim it
(4) Movin g from old cu stom ers at
th e h om e m ark et to forei gn
m ark ets
(5) Non e of th ese
Di r ec t i o n s (2 5 8 –2 6 0 ) : Ch oose
th e word wh ich is MOST sim ilar in
m ean i n g to th e wor d p rin ted in bo l d
as u sed in t h e passage.
258. CAT ERI NG
(1) Con siderin g
(2) Su pplying
(3) Len d in g
(4) Work in g
(5) In du lging
259. K EY
(1) Fou ndation
(2) Solu tion
(3) Requ isite
(4) Difficu lt
(5) Importan t
260. AGGRESSI VE
(1) Violen t
(2) Deter m in ed
(3) Dem an din g
(4) Offen si ve
(5) Bru tish
Di r ect i on s (2 61 –27 0 ) : Read th e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Certain words/ ph rases ar e given in
bol d t o h elp you locate th em wh i le
an swerin g som e of th e qu est ion s.
(SBI Associ at es PO On l i n e
Ex am , 3 0. 1 1. 20 14 )
I n fr ast r u ct u r e p r oj ect s t ak e a
l on g t i m e t o b u il d b u t t h ey d el i ver
cash flows over an ex t en ded p eriod.
Pen si on fu n d s h ave l i ab i l i t i es t h at
st r et ch over sever al d ecad es. Wh y
n o t get t h e l a t t er t o fi n a n ce t h e
form er? A n ew report from the Organ -
isation for Economic Co-operation and
Devel opm en t (OECD), estim ates th at
gl obal p en sion fu n ds h ave j u st 0.9%
of th eir por tfolios i n p u re in frastru c-
t u r e i n p ar t , t h at i s d u e t o t h e
OECD’s decision to defin e in frastru c-
tu re assets as u n l ist ed debt an d eq-
u i ty; pen sion fu n d s h ave sign ifican t
ex p osu r e t o t h e l i st ed sh ar es an d
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Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
bon d s of p ower com p an i es an d t h e
li k e. From th e poin t of view of pu bl ic
poli cy, h owever, th e OECD’s defin i-
t i on i s t h e cor r ect on e. Th e u t i l i t y
sh ares own ed by pen si on fu n d s are
th ose of com pan ies th at wer e p riva-
tised in th e 1980s and 1990s an d th e
in fr astr u ct u r e th ey op er ate was t h e
resu lt of govern m en t spen din g in pre-
viou s d ecades. Gover n m en t s wou l d
l i k e to see m or e i n fr ast r u ct u r e get
bu i lt (th an k s, n ot least to th e Keyn e-
sian stim u lu s th at m igh t resu lt), th ey
wou ld rat h er n ot bear th e wh ole bu r -
den . The difficu lt bit abou t in frastru c-
tu re projects, ap art from t h e ori gin al
decision to com m i ssi on th em , is th e
cost of con st ru cti on i.e. wh er e gov-
er n m en ts wou ld lik e pen si on fu n d s,
an d t h e rest of t h e p rivate sector, to
op en t h eir wallet s.
Risk is clearly on e im portan t fac-
tor. Pen sion fu n ds wan t reliable cash
fl ows th at can be u sed t o pay r eti r -
ees, n ot th e u n certain ties th at are as-
sociated wi th proj ect s. As th e OECD
poin t s ou t, th ere is a “lack of objec-
ti ve h igh -qu ali ty d ata on in frastru c-
tu re in vestm en t s.” Th i s m ak es it di f-
fi cu l t for fu n d s to calcu lat e h ow i n -
frastru ctu re wou l d fit in to th eir port-
folios. An ot h er problem i s t h at sm all
pen sion fu n ds m ay lack th e expertise
to get d irectl y i n vol ved in su ch lar ge
pr oj ect s; th ey h ave to i n vest vi a an
in frastr u ct u re fu n d, an d pay a m an -
agem en t fee for th e privilege. Th e big-
gest i n fr ast r u ctu r e i n vest or s so far
h ave been th e gian t Au str alian an d
Can ad ian pen sion fu n d s, wh ich can
ben efit fr om econ om ies of scale. Brit-
ai n i s tr yin g t o ach ieve th e sam e ef-
fect by sett in g u p a Pen sion s In vest-
m en t Platfor m wh ich will pool i n fr a-
st ru ctu r e i n vestm en ts. H owever, t h e
sch em e h as b een slow t o get goin g—
on e p erson in volved d escrib ed it as
li k e “h er din g cats”— an d even if it is
su ccessfu l i t will n ot b e su ffi cien t to
fu n d Britain ’s h igh est-p rofile project,
a proposed h igh -sp eed rail l in e. Ad-
dit ion al pr oblem in clu d es t h e l ack of
political certainty. Capital spen din g is
oft en th e fi r st i t em t o b e cu t wh en
govern m en ts ru n into bu dget difficu l-
ti es an d tou gh decisi on s are pu t off
to su it electoral cycles. On e possib le
sol u tion is for Gover n m en t to bor row
a sep arate su m to fin an ce in frastru c-
tu re spen din g with th e stated i n ten -
ti on of sel lin g asset s t o t h e lik es of
p en si on fu n d s aft er a n u m b er of
COMPREHENSION TEST
years. Su ch deb t cou ld be record ed
separ ately i n t h e Nat ion al Accou n t s.
An al ter n ati ve opt ion wou ld be a n a-
t i on al i n vest m en t b an k , al on g t h e
l i n es of t h e Eu r op ean In vest m en t
Ban k . It wou l d borrow from th e m ar -
k et an d u se its capit al to gu ar an t ee
t h e equ it y p or ti on of in frast ru ct u r e
p roject s. Th at wou l d all ow pen sion
fu n d s to b u y t h e m or e secu re d eb t
elemen ts of th e project’s fu n din g. Th e
n eed is clear am ong the G7 cou n tries.
On l y I t a l y i s r egar d ed a s h av i n g
wor se in frast ru ctu r e. An d th ere is n o
sh ort age of p oten ti al fu n di n g— Bri t-
ai n ’s p en si on asset s ar e equ al t o
1 12 % of GD P. Su r ely som eon e can
pu t t h e t wo togeth er. Th e Olym pi cs
sh owed that Britain can bu ild projects
on t i m e wh en th e cou n tr y pu t s i t s
m in d to it.
261. Wh ich of th e followin g is th e role
of Pen si on s In vest m en t Pl at -
form ?
(1) To cr eat e gu id eli n es regar d-
in g infrastru ctu re in vestment
in Britain
(2) To pr ovid e services on ly to
sm all pen sion fu nds to in vest
in in fr astr u ctu re
(3) To m onitor prestigiou s in fra-
st ru ctu re pr ojects an d Pu b-
li c Private Partn ersh ip s.
(4) To pr ovi de gu id an ce t o au -
th ori ties in Eu rop e regar d-
in g in frastr u ct u r e d evelop-
ment
(5) To garn er fu n d in g for i n fr a-
st ru ctu r e p roj ect s.
262. Wh at i s t h e au t h or ’s vi ew of
OECD r epor t on in frastru ctu r e?
(1) He feels th at th e repor t u n -
n ecessari ly focu sses on t h e
n egative aspects of in vestin g
in gover n m en t p roj ect s.
(2) He is in agr eem en t wit h t h e
data an d con ten tion s cited in
th e repor t.
(3) He is in favou r of th e OECD’s
vi ew of govern m en ts k eep-
in g in vestm en t in infrastru c-
tu re on h old
(4) He op poses th e OECD’s r e-
striction s on d ivertin g fu n ds
t o i n fr ast r u ct u r e d evel op -
m en t.
(5) He recom m en ds t h at th e i n -
vest m en t l evel s p rescr i bed
by th e repor t b e adopt ed by
Britain .
-317-

263. Accor din g t o th e p assage, wh y
is th ere a n eed for Br itain t o i n -
vest in i n fr ast ru ct u re ?
(1) Britain ’s desire to su rpass It-
al y i n i n fr ast ru ctu r e d evel-
opm ent
268. Wh ich of th e fol lowi n g can be
(2) Su r plu s pen sion fu n ds n eed
t o b e gai n fu ll y di vert ed t o
avoi d m isu se.
(3) In fr ast r u ct u r e i s d efi ci en t
an d i n n eed of an overh au l
(4) Br itain ’s Prest ige as h ost of
th e Olym p ics is at stak e
(5) Not clearly m en ti on ed i n t h e
passage
264. Wh ich of th e followin g fact or(s)
im ipact(s) i n vestm en t deci sion s
of pen sion fu n ds ?
(A) Political u ncertainty and finan-
ci al ri sk
(B ) Requ i sit e experti se i n i n fr a-
st ru ctu r e p roj ect s.
(C) Retu rn s on in vest m en t.
(1) On ly (B)
(2) On ly (A) an d (B)
(3) On ly (A)
269. Wh at does t h e au t h or wan t to
(4) All (A), (B) an d (C)
(5) on ly (B) an d (C)
265. Wh i ch of t h e fol l owi n g i s t h e
m ain objecti ve of t h e au th or in
wr itin g t h e passage ?
(1) To exam i n e th e m isappropri-
at i on of B r i t ai n ’s p en si on
fu n ds.
(2) To estimate h ow u n profitable
it is for t h e cou n try if pen -
si on fu n d s are u sed to cr e-
at e in frastr u ctu re
(3) To u rge th e gover n m en t to
r ed u ce r i sk y ex p osu r e of
p en si on fu n d s an d b on d s
an d i n vest i n safe opt ion s.
(4) To an alyse th e claim s m ade
b y t h e OE CD r ep or t an d
poin t ou t in con sisten cies.
(5) T o su ggest t h at p en s i o n
270. Accordin g to th e passage, wh ich
fu n d s can an d sh ou l d b e
in vested m ore in in frastru c-
tu re
266. Ch oose t h e wor d wh ich i s OP-
POSITE i n m ean i n g to th e word
EX T E ND ED gi ven i n b ol d as
u sed in th e passage.
(1) Absolu te (2) Fleetin g
(3) Equ itable (4) Steady
(5) Regu lar
267. Ch oose t h e word wh ich is m ost
n earl y t h e SAME in m ean i n g to
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th e word COM M ISSI ON given in
bold as u sed i n t h e passage.
(1) Agency (2) Comm ittee
(3) Con tract (4) Paym en t
(5) Exp en ses
inferred in th e context of th e pas-
sage ?
(1) Br itain is m ak in g effor ts to
r efor m i t s i n fr ast r u ct u r e
sect or.
(2) Britain ’s GDP is abysmal and
p r est i gi ou s i n fr ast r u ct u r e
pr ojects sh ou ld be k ept on
h old til l t h e p en sion an d i n -
fr ast ru ctu r e sect ors ar e r e-
for m ed .
(3) In vestm en t ban k s are risk y
as th ey are govern ed b y p o-
li tical p ower s.
(4) Br itain ’s n ation al accou n ts
data lack s cru cial param e-
t er s.
(5) Al l th e gi ven stat em en ts can
be in fer red in th e con text of
th e passage.
con vey throu gh th e ph rase “They
wou ld rat h er n ot bear th e wh ole
bu rden ” ?
(1) Gover n m en t wou l d p refer to
pr ivatise u t ili ties l ik e power
et c.
(2) Govern m en ts are wary abou t
th e pu blic tak eou t of pension
fu n ds goi n g bu st.
(3) Gover n m en ts, sh ort on cap-
ital, are cau tiou s abou t soci-
et y fin an ci n g in frastru ctu re
as it is costl y.
(4) Th e p rivate sector is u n wil l-
in g t o con ti n u e th eir m on e-
tary su pp ort of loss m ak i n g
pu blic u tililies
(5) Ot h er t h an th ose gi ven as
option s
of th e followin g can be said abou t
in frastru ctu re in vestm en t ?
(A) It pr ovi des trem en dou s op-
p or tu n i ti es t o i n vestors as
th ere is a h u ge n eed for i n -
fr ast ru ctu r e.
(B) Cr eat i ve sol u t i on s ar e r e-
qu ired to gen er ate th e n ec-
essary in vestm en t.
(C) It is cr u ci al for govern m en ts
to in vest in in frastu rctu re to
wi n elect ion s.
COMPREHENSION TEST
(1) None
(2) On ly (A) an d (B)
(3) On ly (A)
(4) On ly (B)
(5) On ly (A) an d (C)
Di r ect i on s (27 1 –2 8 0) : Read th e
foll owi n g p assage car efu ll y an d an -
sw er t h e gi ven qu est i on s. Cer t ai n
words are given in Bol d to h elp you to
l ocat e t h em wh i l e som e an swer i n g
som e of th e qu est ion s.
(SBI Associ at es PO On l i n e
Ex am , 3 0. 1 1. 20 14 )
In ou r day an d age, t ech n ology
is om n ipresen t an d an in tegral par t of
ou r lives. However, alth ou gh th e m ain
pu rpose of t ech n ol ogy is to m ak e ou r
li fe easier, th e r eaction s an d opi n ion s
on tech n ology are very di v er se. Th is
year, vari ou s session s at th e Wom en ’s
Foru m covered t h e i n fl u en ce of n ew
t ech n ol ogi es on ou r d ai l y l ife. It i s
wor th wh ile an alyzin g two con t rast in g
persp ect ives in depth , t o u n der stan d
h ow b road t h is debat e i s.
On th e on e h an d, tech n ol ogy an d
di git al m edi a can be a great h elp to
reach ou t to oth er people an d sp r ead
you r m essage to a very large pl atform .
Th e sessi on “H ow to be a digit al in flu -
en cer ” th is past Th u rsday was an a-
lyzin g ex act ly th is qu est ion , an d i n -
trod u ced variou s pl atform s an d st rat-
egies on h ow to u se th e d igi tal wor ld
to you r advan tage. “Soci al m edi a r e-
m oves al l di stan ces: geograp h ic, so-
ci al, h i erarch ical. You can reach an y-
on e, at an y ti m e, an d com m u n icate in
real tim e. Th u s, a perm an en t li n k of
com m u n icat ion h as been created ”.
Today everyon e h as th e ab ili ty to
tr an sm it k n owl edge, an d th u s cred i-
bi lit y of t h e creator of th e k n owled ge
is m ore im p ort an t th an ever befor e.
Tech n ology h as tak en t h e u n iversal
comm u n ication meth od of storytellin g
an d t ran sfor m ed it, in a way th at n ow
m ore stor ies can reach m ore p eop le
th rou gh social m ed ia platform s th an
ever before. People sh ou l d fin d th eir
di git al m edi a voice, tel l sh arable st o-
ri es, an d d rive en gagem en t . Al so, it
is very i m portan t t o b e au th en ti c an d
tr u ly passion at e ab ou t th e m essage
you are tryi n g to con vey th r ou gh t h e
digital m edia.
An oth er session , th e very sam e
day, an alyzed h ow exactl y t h e opp o-
si te is t ru e an d h ow n ew tech n ol ogi es
actu ally cau se str ess an d su fferin g,
becau se of a con cep t refer red t o as
-318-

“In fobesity.” Du rin g th e session it was
ar gu ed t h at du e t o th e acceler ati on of
ou r lives led by th e acceleration of tech-
n ology, we h ave ch an ged t h e way we
con su m e an d gen er at e in for m at ion .
Peopl e are tr yin g t o live 1 0 l ives at
on ce an d a l ot of str ess an d an xiety
occu r s fr om th at. Th e two speak ers
even argu e t h at we are su fferin g fr om
di git al b u li m ia, m ean i n g th at we tak e
in a lot of in for m ati on at on ce, wit h -
ou t r eal ly p rocessin g it for ou rselves,
an d i n t u r n cr eat e a lot of n ew i n for -
m ation . Th u s, it is obvi ou s th at tech -
n ological advancemen t h as failed at its
m i ssi on of m ak i n g ever yb od y’s l i fe
easier, as m an y peopl e are reacti n g
n egat ivel y t o i t.
It is reall y an ir on y on th e on e
h an d; th e tech nology we are su rrou nd-
in g ou rselves with is desi gn ed t o gi ve
u s m ore t im e for ou rselves — wh i ch
is som eth in g we all wan t. H owever,
today, wh ile tech n ology is as d evel-
op ed as ever befor e, we are livin g in a
tim e with th e biggest scarcity of tim e.”
For Exam ple th e in ven tion of th e car
al lowed u s t o save tim e, wh en com -
p ar ed t o wal k i n g. H owever, i t al so
m ade u s wan t to go fu rth er b y givi n g
u s th is op tion , so overal l we spen d
m or e tim e get tin g t o places. Th e sam e
is tr u e for oth er t ech n ol ogies — we
wan t to travel to more cou n tries, learn
m or e, fal l i n l ove m or e oft en . Th e
search for con ten t an d experien ce h as
becom e th e m ean in g of l ife for m an y.”
So wh eth er t ech n ology is aidi n g
ou r li fe an d m ak in g it easier, or creat-
in g n ew ch al len ges an d st ress for u s,
reall y depen ds on h ow we react an d
in ter act wi th th e n ew tech n ologies. If
— wh en t ech n ol ogy sol ves on e of ou r
problems — we k eep imm ediately com -
in g u p with n ew, l arger prob lem s, n o
tech n ology will ever be abl e to satisfy
ou r con st an t ly n ew n eeds. However,
if we allow tech n ology to m ak e ou r
life easier, an d focu s more on the qu al-
it y, rat h er th an th e qu an ti ty of life,
an d also learn h ow to u se tech n ology
to ou r greatest ad van tage — su ch as
h ow t o u se it to i n fl u en ce oth ers —
we can al l greatly ben efi t.
271. Accordin g to th e passage, wh ich
of the followin g is Not Tru e abou t
th e ch aracteristics of th e ‘In fobe-
si ty’?
(1) Th e p ace of ou r li ves h as i n -
cr eased sign ifican tl y d u e to
tech nology
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(2) Wi th th e h elp of tech n ology,
p eop l e t r y t o d o m u l t i p l e
thin gs at th e sam e time lead-
in g t o stress
(3) Tech n ol ogy m ak es ou r li fe
s ed en t a r y a n d l ea d s t o
h ealth problem s
(4) Du e to tech n ology each in di-
vi d u al i s b om b ar d ed wi t h
excess in form at ion
(5) All th e given option s are tru e
accor din g to th e passage
272. Wh ich of th e followin g is m ost
OPPOSITE i n m ean i n g of t h e
word given in bol d as u sed in
th e p assage ?
DI VERSE
(1) Similar
(2) Separate
(3) In terwoven
(4) Simu ltaneou s
(5) Togeth er
273. Wh ich of th e fol lowi n g can be
said abou t t h e i n ven ti on of t h e
car ?
(A) More th an bein g a boon , th is
inven tion h as becom e in con -
ven ien ce to u s.
(B) It h as i n vok ed in u s th e d e-
si re to travel to places th at
we wou ld n ot h ave oth erwise
gon e t o.
(C) It h as en ab l ed u s t o h ave
m ore tim e for ou rselves.
(1) On ly A an d C
(2) On ly B an d C
(3) On ly A an d B
(4) Al l t h e th r ee (A) (B) an d (C)
(5) On l y B
274. Which of th e followin g can be th e
m ost su i tab le titl e for th e pas-
sage ?
(1) The paradox of Tech n ological
in flu en ce
(2) Th e D ifferen t Typ es of Tech -
n ology Available
(3) Tech n ology Propagation -Th e
Road t o Nowh ere
(4) Tech n ology an d Gai n fu l i n -
sight
(5) T ec h n o l o gi c a l Pr o gr es s
Across th e Con ti n en ts
275. Accor din g to th e au th or, wh i ch
of th e followin g can be said abou t
reach in g ou t to peopl e th rou gh
th e m edi u m of t ech n ol ogy ?
(A) Today’s digital age h as m ade
it essen ti al for an in di vidu al
COMPREHENSION TEST
t o sen d a m essage t h at i s
gen u in e i n n atu r e.
(B) Th e abil ity to im p act m an y
peopl e th rou gh a m essage is
solely dependent on the nu m-
ber of t im es th e sam e m es-
sage goes ou t, regar dless of
its au th en ticity.
(C) Tech n ology h as m ad e it eas-
ier t o r each ou t t o m asses of
peopl e at th e sam e tim e.
(1) On l y C
(2) Al l A, B an d C
(3) On ly A an d C
(4) On ly A an d B
(5) On l y B
276. Wh ich of t h e fol lowi n g i s tr u e
accor din g t o th e p assage ?
(A) It is in ou r own i n terest th at
w e k eep a c h eck o n t h e
am ou n t of digital inform ation
th at we gen erat e.
(B) Th e p rom ise on wh i ch tech -
n ol ogy was d esi gn ed was
th at it sh ou ld m ak e ou r lives
sim p ler.
(C) It is best that we learn to su r -
vive with ou t an y tech n ol ogi-
cal i n ter ven tion i n ou r l ives.
(1) On ly A an d B
(2) Al l t h e t h ree A, B an d C
(3) On ly B an d C
(4) On ly A (5) On l y B
277. Accordin g to th e passage, wh ich
of th e foll owi n g i s t h e au t h or ’s
op in i on / statem en t abou t tech -
n ology ?
(1) Beware! Tech nology can on ly
bring doom if allowed to pro-
li fer at e.
(2) Tak e resp on sibi lit y for h ow
you l et t ech n ol ogy im p act
you r li fe
(3) Go ah ead an d in vest in t h e
lat est tech n ology, it is worth
it.
(4) Wh at th e fu tu r e of t ech n ol o-
gy h olds for u s is u n k n own ,
wait an d wat ch
(5) Ot h er t h an th ose gi ven as
option s.
278. Wh ich of th e followin g is m ost
n earl y t h e SAME in m ean i n g to
th e word given in bol d as u sed
in th e p assage ?
ENGAGEM ENT
(1) Appointment
(2) In volvem en t
-319-

(3) Meetin g
(4) ren dezvou s
(5) Date
279. Wh ich of th e followin g is m ost
n earl y t h e SAME in m ean i n g to
th e word given in bol d as u sed
in th e p assage ?
DESI GNED
(1) Calcu lated
(2) deliberated
(3) attracted
(4) created
(5) pat tern ed
280. Wh i ch of t h e fol l owi n g i s t h e
OPPOSITE i n m ean i n g t o t h e
word given in bol d as u sed in
th e p assage ?
SPREAD
(1) collect (2) tak e
(3) r estr ict (4) join
(5) mu ltiply
RBI GRADE–B
OFFICER EXAMS
Di r ec t i o n s (1 –1 5 ) : Read th e fol-
lowin g p assage car efu lly an d an swer
th e qu est ion s given below it . Certain
words/ ex pressi on s are gi ven in bo l d
in th e passage to help you locate th em
wh i l e an sweri n g som e of t h e qu es-
tions.
(RBI Gr ade-B Of f i c er
Ex am . 1 7 . 1 1 . 2 0 0 2 )
Radically ch an gin g m on soon pat-
t er n s, r ed u ct i on i n t h e wi n t er r i ce
h arvest an d a qu an tu m i n cr ease in
r esp ir at or y d iseases-al l p ar t of t h e
en vi r on m en t al d oom sd ay scen ar i o
wh i ch i s r ep or t ed l y p l ayi n g ou t i n
Sou th Asia. Accordin g to a Un ited Na-
t i on s En vi r on m en t Pr ogr am m e r e-
port, a deadly th ree-k m deep bl an k et
of p ol l u t i on com pr i si n g a fear som e
cock t ai l of ash , acid s, aerosol s an d
oth er particles h as en veloped th i s re-
gi on . For In di a, already st ru ggli n g to
cope with a drou gh t, th e implication s
of t h i s ar e d evast ati n g an d fu r th er
cr op fai lu r e will am ou n t to a life an d
death qu estion for m an y In dian s. Th e
in crease in prem atu re deaths will have
ad ver se soci al an d econ om ic con se-
qu ences and a rise in m orbi di t i es will
pl ace an u n b ear abl e b u rden on ou r
cr u m b lin g h ealt h system . An d th ere
i s n o on e t o b l am e b u t ou r sel ves.
Both offi cial an d corp orate In di a h as
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
al ways b een al l er gi c t o an y m en ti on
of clean tech n ology. Most m ech an ical
t wo wh eel er s r ol l off t h e assem b l y
li n e with ou t pr oper pollu tion con tr ol
system . Litt le effort is m ad e for R &
D on si m p l e t ech n ol ogi es, w h i ch
co u l d m ak e a v i t al d i ff er en c e t o
people’s lives an d th e en vi ron m en t .
However, wh ile th ere is n o den y-
in g th at Sou th Asia m u st clean u p its
act , sk epti cs m igh t qu estion th e ti m -
i n g o f t h e h a ze r ep o r t . T h e
J oh an n esbu rg m eet on Rio+10 is ju st
two week s away an d th e stage i s set
for t h e u su al b att le bet ween th e d e-
velopin g world an d th e West, particu -
larly th e U.S. Presiden t Mr. Bu sh h as
adam an tly r efu sed to sign an y pr oto-
col, wh ich wou l d m ean a ch an ge in
Am er i can con su m p t i on l evel . U .N.
en vir on m en t repor t wi ll lik ely to fi n d
a p l ace i n t h e U . S. ar sen al as i t
plants an accu sing fin ger towards con-
t r ol s l ik e In d i a an d Ch i n a. Yet t h e
U.S. can h ar dly den y its own du bi -
ou s role in th e m atter of erasin g trad-
in g qu otas. Rich er cou ntries can sim -
p l y b u y u p ex c es s c r ed i t s f r o m
poorer cou n tries an d con tin u e to pol-
lu te. Rat h er th an t ry to get th e bet-
ter of d evel opi n g cou n tr ies, wh o u n -
dou btedly have tak en u p en vironm en -
tal sh or tcu ts in th ei r b id to cat ch u p
wi th th e West, th e U.S. sh ou ld tak e
a look at th e en vir on m en t al p r o f l i -
gac y , wh ich is goin g on with in . From
open i n g u p vir gi n t er ri tori es for oi l
expl oration to relaxin g th e stan d ards
for drin k in g water, Mr. Bu sh ’s policies
are n ot exactly ben eficial, n ot even to
America’s interests. We realize th at we
ar e all in th i s t oget h er an d t h at pol-
lu tion an ywh ere sh ou ld be a glob al
con cern oth erwise on l y b e m ore tu n -
n els at t h e en d of th e tu n n el.
1. Both official an d corporate In dia
is al ler gic to :
(1) fai lu re of m on soon
(2) poverty an d in equ ality
(3 ) sl owd own in in d u st rial pr o-
du ction
(4 ) m en tion of cl ean tech n ology
(5 ) cr op failu re
2. Which , accordin g to th e passage,
is a l ife an d death qu esti on to
m an y In dian s ?
(1 ) In cr ease i n respi rat ory di s-
eases
(2 ) Use of clean t ech n ology
COMPREHENSION TEST
(3) Th ick blank et of pollu tion over
th e r egi on
(4 ) Fail u re in crops
(5) Dwin dlin g agricu ltu ral yield
3. If th e rate of p rem atu re d eat h s
in creases i t will :
(1 ) exer t added bu rden on ou r
cru m blin g econ om y.
(2 ) h ave ad ver se soci al an d eco-
n om ic con sequ en ces.
(3 ) m ak e positive effect on ou r
effor ts t o con t rol popu lation .
(4) h ave less job asp iran ts i n th e
soci et y.
(5) h ave h eal th y effect on ou r
econ om y.
4. Ch oose t h e word wh ich is SI M I -
L AR i n m ean i n g of t h e wor d
‘pr ofl i gac y ’as u sed in th e pas-
sage.
(1 ) wastefu ln ess
(2) con servation
(3) u pliftmen t
(4) crit icaln ess
(5) den ou n cem en t
5. Accord in g to th e passage, In d ia
can n ot t olerat e an y fu r th er:
(1 ) cr op failu re
(2 ) d eteriorat ion of h ealth care
system
(3 ) i n cr ease i n respi rat ory di s-
eases
(4 ) p rol iferat ion of n u clear d e-
vices
(5) soci al an d econ om i c con s-
equ en ces
6. Accord in g to t h e p assage, two
w h eel er i n d u st r y i s n o t a d -
equ ately con cern ed abou t -----
(1) passen ger safety on th e roads
(2) li fe cover i n su r an ce of th e
veh icle own ers
(3) pollu tion control system in the
veh i cl es
(4 ) r isin g cost of th e two wh eel-
er s
(5) ri sin g cost of th e petrol in th e
cou n try
7. What cou ld be th e reason beh in d
t im in g of t h e h aze rep or t j u st
befor e t h e J oh an n esbu rg m eet,
as in dicated in th e p assage ?
(1 ) Un it ed Nat i on s i s wor k i n g
h an d-in -glove with U.S.
(2 ) Organ isess of th e forth com -
in g m eet to teach a l esson to
th e U.S.
-320-

(3 ) D r awi n g at t en t i on s of t h e
world towards d evastatin g ef-
fects of en viron m en t degrada-
tion.
(4 ) U.S. wan t s t o u se i t as a
h andle against the developin g
cou n t ries i n t h e for th com i n g
m eet
(5 ) Th e m eet i s a par t of pol itical
agen da of th e U.N.
8. Ch oose t h e word wh ich is SI M I -
LAR in m ean i n g of th e word ‘al -
l er gi c’as u sed i n t h e passage.
(1) lik in g (2) passion ate
(3 ) p ossessi ve (4) cru m blin g
(5) repu gn an t
9. Wh ich of th e followin g is th e i n -
dication of en viron m ental degra-
dat ion i n Sou t h Asi a ?
(1) Social an d econ om ic in equ al-
ity
(2 ) Cru m b lin g h eal th care sys-
tem
(3 ) In adequ at e p oll u tion con tr ol
system
(4) Overem ph asi s on t ech n ol ogy
(5) Radical ly ch an gin g m on soon
patt ern
10. Wh at m u st we reali se, accor d-
in g t o t h e p assage ?
(1 ) No cou n t ry sh ou ld sh ow su -
periority over oth er cou n tries.
(2) U.N. is pu ttin g in h ard efforts
in th e d irection of p oll u ti on
con trol.
(3) All cou ntries m u st join h an ds
in figh tin g pollu tion .
(4) Nobody sh ou ld travel th rou gh
tu n n el t o avoid h ealt h h az-
ar ds.
(5) We all m u st strive h ar d to in -
cr ease agr icu l t u r al p r odu c-
tion.
11. Wh i ch of t h e fol l ow i n g fi n d s
pl ace in th e Un i ted Nation s En -
vi ron m en t Program m e Repor t?
(1) Ch an gin g m on soon p attern s
(2 ) Su bstan tial in crease in res-
pi rat ory diseases
(3 ) A seriou s cover of p oll u ti on
over t h e regi on
(4) Red u ction in win t er ri ce h ar -
vest
(5 ) Non e of th ese
12. Wh i ch of t h e fol l owi n g st at e-
m en ts is NOT T RUE i n th e con -
text of t h e passage ?
(1 ) U .N. en vi r on m en t r ep or t
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
b lam es cou n tr i es l ik e In di a
an d Ch in a
(2 ) D evel op in g cou n t ri es h ave
tak en en vir on m en t sh ortcu ts
in th eir bi d to catch u p wi th
th e west.
(3 ) U.S. is also t o b e bl am ed for
en vi r on m en t al d egr ad at i on
an d pollu tion
(4) In dian s can n ot afford to h ave
an y fu rth er crop failu re
(5 ) U.S. h as t i gh t en ed safet y
st an d ard s for dri n k i n g wat er
13. A c c o r d i n g t o t h e p a s s a ge,
J oh an n esbu r g m eet is goi n g to
wi tn ess—
(1) calm an d dispassionate thin k -
in g on t h e issu e of p oll u ti on
control
(2 ) a blam in g gam e between d e-
veloped an d developin g cou n -
tries
(3 ) r efu sal of U.N. to work as ar -
bitrator
(4 ) U.S. agreein g to look at t h e
i ssu e of l ow er i n g i t s con -
su mption
(5) cou n t ries agreein g for h igh er
m on etary allocation to R & D.
14. Choose the word which is MOST
OPPOSI T E i n m ean i n g t o t h e
word ‘du bi o u s’ as u sed in t h e
passage ?
(1) u n qu estion able
(2) dissim ilar
(3) illegal
(4) an tisocial
(5) in n ovative
15. Ch oose t h e word wh ich is t h e
M OST OPPOSI T E in m ean ing to
th e word ‘m o r bi d i t y ’ as u sed
in th e passage.
(1 ) powerfu ln ess
(2) h ealth in ess
(3 ) softn ess
(4) acu ten ess
(5) pu r posefu l
Di r ect i on s (1 6–3 0 ) : Read th e fol-
lowin g p assage car efu lly an d an swer
t h e qu est ion s gi ven b el ow. Cert ai n
w o r d s i n t h e p a ssa ge h a ve b een
prin ted in bol d to h elp you locate them
wh en an sweri n g som e of th e qu es-
tions.
(RBI Gr ade-B Of f i cer Ex am . 200 7)
Can th e last fifteen years be called
th e m ost su ccessfu l decade an d a h alf
in In dian h i story an d wil l t h e n ext fi f-
COMPREHENSION TEST
teen be equ ally su ccessfu l ? Con sid er
a cu ltu re wh ere in depen den t th in k in g
i s n ot en cou r aged . Or t ak e t h e ex -
am ple of tradit ion al fam i ly ru n bu si-
n ess with v ast r esistan ce to ch an ge
or a wh ole n at ion wh o believes th at
br eak th r ou gh i deas can b e gen erat ed
ab road b u t n ever at h om e. Partl y r e-
sp on sible is social ization from ear ly
years we ar e t au gh t n ot to qu esti on
ou r elders bu t at wor k pl aces t h is cr e-
at es a h u rdl e for n ew th i n k i n g. Bei n g
u n able to ch an ge r adi cal l y gi ves ri se
to a cu l tu re wh ere even th e sm allest
change is h er al ded as a break th rou gh .
In d i an cor p or at e l ead er s h ave
don e well stan din g u p to global gian ts
as t h eir com pan ies h ave gr own in size
an d m ark et sh ar e. To b e su ccessfu l
in in tern ati on al m ark ets th ey n eed to
be di st i n ct – d ist in ct p orodu cts, pr o-
cesses, tech n ologi es, bu sin ess m od-
els an d organ isation s.Th e bottom lin e
wi ll b e In n ovati on . Creat ivity wor k -
sh ops are organ ized to ch an n el people
to th in k differ en t ly. Th ere are fan tas-
ti c i deas bein g gen erat ed all th e ti m e
bu t n o in du stry break t h rou gh . Si m -
p ly b ecau se of gr avit y-a r egr essi v e
force exerted b y a m in dset.
Th in k in g h as th erefore t o h appen
at th ree level s: idea, fram e an d par a-
di gm . Fr om a n arrow focu s on eith er
produ ct or process in n ovation organ i-
zation s n eed to l ook at i n n ovati n g t h e
wh ole ecosystem of th e organ ization .
Man y a ti m e wai tin g for a h u n dr ed
percen t solu tion b efore goin g t o t h e
m ark et th e organ ization forgets th at it
cou ld en d u p waiti n g for ever. Mor e-
over som etim es organ ization s are too
focu sed on tod ay t o see t om or row.
Si n ce m an agem en t m an d at es ar e
sh ort -term , sowin g th e seed for a rev-
enu e stream today an d leavin g its ben -
efi t s t o b e r eap ed b y a su ccessor
d oesn ’t ap p eal t o t od ay’s b u si n ess
leader. Th is is a ser iou s h u rdl e t o i n -
n ovat i on . E st ab l i sh i n g a fu n ct i on
called innovation man agement or train-
ing employees th rou gh creativity work -
sh ops wi ll h ave few ben efit s u n less
each fron tlin e em ployee is em powered
to sh are h i s i n n ovati ve ideas wit h t h e
m an agem en t. Wh at h app en s to th is
system wh en th e per son dr ivin g t h e
ch an ge l eaves th e organ i zat ion ? Th e
ap proach to in n ovat ion h en ce n eeds
to be system driven rath er th an people
dr iven . In th i rty year s In di a can be
th e largest world econ om y save Ch in a
an d t h e US. However as com p an i es
-321-

grow t h ere ex ist s a r esem b lan ce i n
th eir produ cts, ser vices, pr om ot ion s,
p r ocesses an d p r i ci n g an d so on .
Th ere rem ain s on ly on e escape fr om
th is trap.
16. Th e m ain idea of th e passage is :
(1) In dia h as trem en dou s poten -
tial
(2) In d i an com p an i es n eed t o
expan d to in ter n ational m ar -
k ets
(3) th e m ore th in gs ch an ge t h e
m ore th ey r em ai n t h e sam e.
(4) cr eat ive th in k in g is th e k ey
to In d ia’s su ccess
(5) Non e of th ese
17. Wh ich of th e followin g is tr u e in
th e con text of th e passage ?
(1) Fol l owi n g t r i ed an d t est ed
m eth ods wil l en abl e a com -
pan y to con t in u e b ein g su c-
cessfu l globally
(2) A cri sis is th e opti m al ti m e
for a com p an y t o m ak e
ch an ges
(3) Generatin g n ew opportu nities
for t h e fu t u re sh ou l d b e t h e
focu s of in n ovat ion
(4) Em p ower i n g em p l oyees t o
voice th eir opi n ion s cau ses
dish arm on y in th e com pan y
(5) In n ovat i on m an agem en t i s
th e k ey to growth for In di an
com panies
18. Wh ich of th e followin g is a cau se
for ‘gravi ty’?
(A) Min dset
(B) Socialization
(C) Lim it ed focu s
(1) On ly (A) (2) On ly (B)
(3) On ly (C) (4) All of th ese
(5) Both (A) an d (B)
19. Wh ich of th e followin g is NOT
T RUE i n t h e con t ext of th e pas-
sage ?
(1) A ch an ge in m in dset can help
prom ote in n ovation
(2) The au th or believes India h as
trem en dou s poten tial
(3) In dia su ffers becau se of t h e
belief th e break th rou gh ideas
can on ly be gen erated abroad
(4) Innovation au tomatically hap-
p en s i f a c o m p a n y s u b -
scr ibes to th e latest m an age-
m en t strategi es
(5) Al l ar e tr u e
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
20. An ap prop riate tit le for th e pas-
sage wou l d be –
(1 ) In du stry Problem s
(2 ) Creat ivi ty : B oon or Cu r se
(3) Wh at Ails In n ovation
(4 ) In di a : Nex t Su perpower ?
(5 ) Non e of th ese
21. Wh ich of th e fol lowin g discou r -
ages in n ovation in In dia ?
(1) Ad opt in g an 80 per cen t so-
lu t ion to a prob lem
(2) Tryin g to focu s both on prod-
u ct an d p rocess i n n ovati on
(3) Focu sin g on th e fu tu re ben -
efits of an id ea rat h er th an
pr esen t on es
(4) M ak i n g i n n ovat i on sy st em
driven
(5) Non e of t h ese.
22. Accordin g to the au th or h ow can
In dian com p an i es com pet e an d
excel in tern ation ally ?
(A) Adequ ate preparation
(B ) Cor n er i n g gr eat er m ar k et
sh are
(C) Implemen ting gradu al ch an ge
(1) On ly (A) (2) On ly (B)
(3) On ly (C) (4 ) All of th ese
(5 ) Non e of th ese
23. H ow d oes soci al i zati on h in der
inn ovation ?
(A) I t faci l i t at es i n d ep en d en t
think ing.
(B) It ieads u s n ot t o ch al len ge
estab lish ed pr act ices.
(C) Creates a strong belief in fam -
il y valu es.
(1) On ly (A)
(2) On ly (B)
(3) On ly (C)
(4) Both (A) an d (C)
(5 ) Non e of th ese
24. How d oes a com p an y en su r e i n -
n ovat ion con tin u es wh en a per -
s o n r esp o n si b l e f o r c h an ge
qu its ?
(1) Or gan izi n g frequ en t creati v-
it y work sh op s for em pl oyees
(2) En su r in g in n ovation i s em -
bedded i n to th e syst em
(3) Adopt in g n ew m an agem en t
st rat egi es
(4) Mak in g in crem en tal n ot radi-
cal ch an ges
(5) M ot i vat i n g em p l oy ees an d
rewar din g i n di vid u al con tr i-
bu tion s.
COMPREHENSION TEST
Di r ect i on s (2 5 –2 7 ) : Pick ou t th e
word wh ich is cl osest i n m ean i n g to
th e word pr in t ed i n b old as u sed in
th e passage.
25. Par adi gm
(1 ) category (2) difficu lty
(3) h yp oth esis (4) fou n dation
(5 ) Non e of th ese
26. Di st i n ct
(1) in frequ en t (2) abu n dan t
(3) com plex (4) cau tiou s
(5 ) Non e of th ese
27. H er al ded
(1) ch astised (2) ap pealed
(3) ch allen ged (4) proclaim ed
(5 ) Non e of th ese
Di r ect i on s (2 8 –3 0 ) : Pick ou t th e
word wh ich is m ost opposi t e in mean -
in g to th e word prin ted in bold as u sed
in th e passage.
28. Regr essi v e
(1) cu stom ary (2) aggravatin g
(3) u n iform (4) natu ral
(5 ) ad van ced
29. Vast
(1 ) di ver se (2) deliberate
(3) m inu te (4) valid
(5 ) exten si ve
30. Radi c al l y
(1) fu n dam en tally
(2) m oderately
(3) completely
(4 ) carel essly
(5) occasion ally
Di r ect i on s (31 –45 ) : Read th e fol-
lowin g p assage car efu lly an d an swer
th e qu est ion s given below it . Certain
words ar e given i n bold to h el p you to
locat e t h em wh ile an swer in g som e of
th e qu estion s.
(RBI Gr ade-B Of f i cer Ex am . 200 8)
Th ou gh th e l ast t wen t y-five years
h ave seen Ch in a dazzle th e world with
it s excel len t econ om ic perform an ce it
h as sh ied away from p layin g th e k i n d
of active role in in t ern ati on al affai rs
th at wou l d seem com m en su r ate wi th
it s econ om ic weigh t. Th i s is becau se
tradition ally Ch in a’s politics have been
defin ed by t h e n eed for econ om i c d e-
velop m en t ab ove all el se. In th e past
Ch i n a’s au t h or i t ies h ave t en d ed t o
down p lay th e cou n t ry’s i n ter n at ion al
cl ou t , ch oosin g to str ess in stead i ts
developin g cou n try statu s an d lim ited
m i l i t ar y cap ab i l i t i es. Su ch m od est
r h et or i c was i n t en d ed t o al l ay t h e
-322-

fear s t h at Ch i n a’s ri se was cau si n g
across i ts im m ediate n ei gh b ou r h ood.
Th at Beij in g is fin all y ack n owledgi n g
it s stat u s as a m ajor pl ayer in th e i n -
tern ation al system is evidenced by th e
fact th at th e Presiden t h as for m al ly
d evelop ed a th eor y of i n tern ati on al
relat ion s; t h e con cep t of h arm on iou s
wor ld . Th e con cep t, en c om p assi n g
broad n otion s of mu ltilateralism , pros-
perit y for all th r ou gh com m on d evel-
opm en t an d toleran ce for diversity h as
left world opin ion perplexed. Th ese are
com m en dabl e obj ectives bu t th e th e-
or y is sh ort on specifi cs regardi n g t h e
m ean s to ach ieve th em .
Ch in a’s recen t willin gn ess to be a
m or e act i ve p l ay er i n t er n at i on al l y
stem s from com plex factors. The cou n -
t r y’s econ om i c st r en gt h -h avi n g ac-
qu ir ed t h e l ar gest for ei gn exch an ge
reser ves in th e wor ld - i s u n den iab le
an d r eports favou r it to be th e largest
econ om y i n t h e n ext qu art er of a cen -
tu ry. For su st ai n ed d ou bl e d igi t eco-
n om i c gr owt h Ch i n a t h u s h as n o
ch oice b u t t o b ecom e m or e active i n -
t er n ati on al l y. M or eover as a m aj or
proportion of th e oil an d oth er n atu ral
resou rces th at Ch in a n eeds to feed its
gr o w i n g ec o n o m y a r e i m p o r t ed .
Beij in g h as to aggr essi vely woo t h e
cou n tr i es ri ch i n en er gy r esou r ces,
wh ich also r epr esen t em er gin g m ar -
k ets for Ch i n ese p rod u ct s. To en su re
a stable secu ri ty en viron m en t with in
th e region an d th u s facilitate econ om -
ic gr owth Ch in a played an active role
in faci litatin g n egotiat ion s wit h North
Korea. D est abil ization of a po t en t i al
fl ash poi n t l ik e th e Korean p en i n su la
wou ld lead to a flood of refu gees cross-
i n g t h e b or d er, in terr u p t in g carefu l
plan s of econ omic reju ven ation of Ch i-
n a’s North - East. Ch in a’s growin g in -
fl u en ce h as cau sed a sh i ft in th e geo-
polit ical stat u s qu o an d it s i n fl u en ce
i s b egi n n i n g t o rep l ace t h at of t h e
Un ited St ates an d Eu r opean p owers
i n Afr i ca. Ch i n a’s n ew d i p l om acy
thou gh h as h ad its share of critics wh o
h ave exp ressed th eir u n ease at Ch i-
na’s military modernization programme
an d it s wi lli n gn ess t o deal wi th r e-
gi m es wid ely con dem n ed as corru pt
an d oppressive. Despite th is wh en th e
Africa was i n n eed of ai d an d i n fr a-
st ru ctu re or th e US n eed ed h elp in
n egot iati n g wit h Korea th ey tu rn ed to
Ch in a. B y tak in g a lead in a variety of
internation al an d region al foru m s, ini-
tiatin g bilateratl an d m ilitary exch ang-
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
es an d d isp en sin g aid an d t ech n ical
assistan ce in parts of t h e wor ld wh ere
t r ad i t i on al p ower s ar e cau t i ou s t o
tread Ch in a h as sign aled th at i ts days
of si tti n g on t h e sid eli n es, con ten t to
l et ot h er s sh ap e wor l d affai r s ar e
em ph atically over.
31. Why has Chin a tradition ally been
a passive sp ect ator i n gl obal af-
fairs ?
(1) To safegu ar d it s oil resou r c-
es
(2) To m ain tain secu rit y in its vi-
cin ity
(3) To con ceal its econ om ic pr e-
dicam en t
(4) To focu s on domestic econ om -
ic gr owth
(5) Econ om ic dom in an ce of t h e
US
32. Wh ich of th e fol lowin g best d e-
scrib es Ch i n a’s cu rren t in t ern a-
tional statu s ?
(1) Cau se of i n secu r i t y am on g
developin g n ation s
(2) Lar gest econ om y in th e world
(3) Largest d on or of aid to d evel-
opin g cou n tries
(4) Pi on eer of i m p l em en t i n g a
“h arm on iou s wor ld” ph i loso-
ph y
(5) Non e of th ese
33. Wh at h as been th e fallou t of Ch i-
n a’s in creased p art icip ati on i n
world affairs ?
(1) In ter n at ion al scru t in y of i ts
econ om ic poli cies
(2) Gr owt h of corru pti on am on g
its politician s
(3) I t s i n fl u en ce an d p r est i ge
h ave grown su bstan tially
(4) It s growt h r ate h as stabi lized
(5) Non e of th ese
34. On wh ich of th e followi n g factors
is Ch in a’s econ om i c growt h d e-
pen den t ?
(A) In cr eased su ppl y of oil an d
ot h er n at u r al r esou r ces t o
devel oped cou n t ries.
(B) Su ccess of h ar m on iou s world
poli cy.
(C) Polit ical stabi lity in Africa.
(1) On ly (C)
(2) On ly (A)
(3) Both (A) an d (B)
(4) All (A), (B ) an d (C)
(5 ) Non e of th ese
COMPREHENSION TEST
35. Wh ich of th e followin g i s T RUE
in th e con text of t h e passage ?
(1) C h i n a ’s c u r r en t p o l i t i c a l
standing internationally is dis-
pr oportion at e t o i ts fin an ci al
st ren gth
(2) Ch in a is a relu ctan t par tici-
pan t in m ilitary dialogu es
(3) Th e h arm on i ou s wor ld th eo-
ry is th e on ly u til itarian rem -
ed y t o t h e cu rr en t ch all en ges
facin g t h e wor ld
(4) Th e US h as recogn ized an d
ack n owledged Ch in a’s grow-
in g in tern ation al repu tation
(5) Ch i n a h as stop p ed d eal i n g
wi t h cor r u p t cou n t r i es b e-
cau se of in ter n at ion al pres-
su re
36. The main pu rpose behind Beijing’s
in ter ven t ion in North Kor ea is to
(1) en su r e th at th e US ack n owl-
edges China’s growing military
in flu en ce
(2) pr even t an y h in d ran ces to i ts
dom estic econ om ic develop-
m en t program m es
(3) p r ot ect i t s fi n an ci al i n vest -
m en t in n ei gh bou ri n g cou n -
tries
(4) pr ovi de h u m an it ari an assi s-
tan ce to on e of it s stron gest
all ies Korea
(5) Non e of th ese
37. Wh ich of th e followin g CANNOT
be said abou t China’s in tern ation-
al rel ati on s th eory ?
(1) Th e t h eory is am bi gu ou s in
natu re
(2) Th e t h eor y r efl ect s Ch i n a’s
reali zati on th at i t occu p ies a
vi tal pl ace in global affai rs
(3) It p r om ot es t h e con cep t of
com m on d evelopm en t for all
nation s
(4) It is a th eory wh i ch exp lai n s
Chin a’s su stain ed growth rate
(5) It em phasizes ach ievin g pros-
perit y t h rou gh u n iversal d e-
velopm en t
38. Wh ich of th e followin g is NOT a
st ep tak en by Ch in a t o cem en t
it s r ole as a worl d leader ?
(A) Pr ovi d i n g ai d t o cou n t r i es
wh en oth er nations are u n will-
in g to do so
(B) Cu rtailing its military m odern-
i zat i on pr ogram m e t o r eas-
su re n eigh bou rin g cou n t ries
-323-

(C) Negot iati n g bil ateral treati es 4 4 . Com m en dabl e
on ly with cou n t ries with good (1) valu able (2) u n reliable
h u m an ri gh ts recor ds (3 ) u n deserved (4) u n worth y
(1) On ly (A) (5) deficien t
(2) Both (A) an d (B)
4 5 . Al l ay
(3 ) Both (B) an d (C)
(1) str en gt h en (2) alleviate
(4) On ly (B)
(3 ) gr ow (4 ) ex pedi te
(5 ) Non e of th ese
(5) discou rage
39. Wh ich of th e followin g is an ou t-
Di r ec t i o n s (4 6 –5 5 ) : Read t h e
com e of B eij in g’s r ole in Afr ica ?
given paragraph s carefu lly and an swer
(1) Am erica’s in flu en ce in th e re- t h e qu esti on s wh i ch fol l ow each of
gi on h as redu ced th ese.
(2) In stabil ity i n th e region (RBI Gr ade-B Of f i c er
(3) Th e am ou n t of aid from Eu - Ex am . 1 1. 1 0. 20 09 )
rope an d ot h er cou n t ries h as Qu est i o n s (4 6 -4 7 )
dou bled We are li vin g in th e m idst of a
(4) Th e b alan ce of power in Afr i- gr eat ch em i cal exp eri m en t, an d som e
ca h as sh i ft ed i n favou r of seriou s con sequ en ces are becom i n g
Eu rope over th e US ap par en t to sci en ti sts. M ore th an t wo
(5) Non e of th ese b i l l i o n p ou n d s o f c h em i ca l s ar e
sp ewed i n to th e ai r each year wh i ch
40. Wh ich of th e fol lowin g is / are
respon sib le for Ch in a’s active in - are br ewi n g a d i sast r o u s st ew. Th e
tern ation al participation ? gr eatest con sequ en ces of t h e atm o-
sp h er e crisis m ay be global warm i n g
(A) Rapid econ om ic growth as a
and th e ozone depletion. Th e Earth ap-
r esu l t of sel li n g it s su rp lu s
forei gn exch an ge reserves pears to be warm in g du e to th e green -
h ou se effect. Sci en ti sts estim ate th at
(B) Th e n eed to exp lor e an d ex-
aver age t em p er at u r e cou l d cl i m b
pan d to n ew m ark ets
ab ou t 2 degree Cel siu s i n 2 0 year s.
(C) Th e n eed t o m od er n i ze i t s Gl obal warm in g is th e pr edi cted r e-
ar m ed forces su lt of th e gr een h ou se effect, cr eat ed
(1) On ly (A) by th e green h ou se gases, su ch as car -
(2) Both (A) an d (B) bon d iox ide an d m eth an e, in th e at-
(3) On ly(B) m osph ere. Th is ch an ge in th e glob al
(4 ) Both (B) an d (C) clim ate wou ld h ave disastrou s resu lts,
(5 ) Non e of th ese in clu ding drou gh t, coastal flooding and
in creased species extin ction . Also, th e
Di r ect i on s (4 1 –4 3 ): Ch oose t h e
scien tists h ave di scover ed a h ole in
word wh ich i s m ost si m i l ar in m ean -
th e ozon e layer. Th e ozon e layer is th e
in g to the word prin ted in bold as u sed
only protection for life on Earth against
in th e passage.
deadl y u l traviolet rad iat ion from t h e
4 1 . Su st ai n ed :
Su n . On ce th e ozon e l ayer i s com -
(1) sporadic (2) con fir m ed
pletely d estroyed, al l life on Earth will
(3 ) steady (4) su ppor ted cease t o exi st , k il led b y th e d eadl y
radiation . Th e plan et wi ll becom e a
(5) en cou ragin g
barren rock devoid of all life. An d when
4 2 . Pot en t i al
t h i s h a p p en s t h e p r o c es s o f
(1) prom ise (2) talen t
indu strialisation wou ld have to tak e the
(3) opportu n ity (4) capable
blam e which has resu lted in in creased
(5) possi ble u se of fossi l fu el s su ch as coal, p etr o-
4 3 . En com passi n g leu m an d d iesel.
(1) su rrou n din g 46. Wh i ch of th e followin g can be in -
(2) in corporatin g ferred fr om th e gi ven passage ?
(3) en velopin g (A) Th e u se of all ch em ical prod-
(4) accept in g u cts sh ou ld be im m edi ately
(5) dealin g stopp ed .
(B) Sci en t ist s wi l l h ave a h ar d
Di r ec t i o n s (4 4 -4 5 ) : Ch oose t h e
ti m e to est im ate th e rate of
word wh ich is m ost opposi t e in mean -
ch an ge of tem p eratu re in th e
in g to the word prin ted in bold as u sed
years to com e d u e to en or -
in th e passage.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
COMPREHENSION TEST
m ou s chan ges in the en viron -
m en t.
(C) Th e en viron mental disaster in
th e fu tu r e will h appen as a
resu l t of i n cr eased u sage of
fossi l fu el s.
(1 ) On ly A
(2 ) On ly C
(3 ) B oth A an d C
(4 ) B oth B an d C
(5 ) Non e of th ese
47. Wh ich of th e fol lowin g best ex-
pl ain s t h e u sage of th e p h rase
‘br ew i n g a d i sast r ou s st ew ?
(1) T h e c o n t i n u o u s r i s e i n
Earth ’s tem peratu re has been
pr oved to be very dan gerou s
(2) Lack of effor t s t o cu r b t h e
green h ou se effects wou ld de-
grade th e en vi ron m en t i n th e
n ear fu tu re
(3) The h armfu l u ltraviolet radia-
t ion s ar e sl owl y destr oyin g
th e l ife on Ear th
(4) Th e fr at er n i t y of sci en t i st s
h as b een op posi n g th e pr o-
cess of in du striali sation
(5) Th e in cr eased d isch arge of
ch em icals in th e air is resu lt-
in g i n an at m osph ere crisis
Qu est i on s (4 8 –4 9 )
Fash i on h as becom e on e of t h e
l ar gest fad s am on g t h e you t h . Th e
am ou n t of tim e wastage an d ex pen d i-
tu re on fash ion is very l ar ge. Wh at
both ers h owever i s th e fact th at fash -
ion i s h ere to stay despi te cou n tless
argu m ents again st it. Wh at is requ ired
th erefor e is th at str on g effort s sh ou ld
be m ade in order t o d isp lace th e ex-
cessi ve cr aze of fash i on fr om t h e
m i n ds of tod ay’s you t h .
48. Which of th e following statements
fi n ds least su ppor t b y t h e argu -
m en t m ade by th e au th or i n t h e
gi ven par agr aph ?
(1) You n gsters sh ou ld be m ot i-
vated to do con stru ctive bu si-
n ess rather th an wasting tim e
in fash ion
(2) Th e wor ld of fash ion bein g
gl am or ou s an d gl i t t er y at -
tr act s p eop le toward s i tself
(3) Followin g l atest fash ion i n -
cr eases t h e sel f effi cacy of
peopl e t h u s in creasi n g th eir
overall m en tal abilities
(4) M a n y u n i v er s i t i es h a v e
im plem en t ed a d ress code to
-324-

pu t a ch eck on th e in creas-
i n g fad am on gst th e you t h
w h i ch w as affect i n g t h ei r
grades
(5) Non e of th ese
49. Wh i ch of th e followin g can be in -
ferred from th e given paragraph ?
(1 ) Th e au th or h as m ade stron g
effor t s t o wip e ou t fash i on
fr om th e m in ds of you th
(2) St eps n eed to be tak en in or -
der to con trol th e growing fad
of fashion am on gst the you th
(3) Th e au th or is u pset wit h t h e
sh ift of fash ion from th e tr a-
di tion al et h n ic wear to west-
er n ou tfi ts
(4) Fash ion world is respon si ble
for l ack of cr eat ivi ty am on g
th e you th
(5) Non e of th ese
Qu est i on s (5 0 –5 1 )
Th e govern m en t can n ot afford to
com partm en talize edu cation . It h as to
be emph asized th at any cou n try wh ich
does n ot h ave a good u n i versity ed u -
cation will n ever be listed as an in d e-
pen den t cou n try an d will n ever be able
to pr ogr ess. On ly cou n tr ies prepar ed
to toler ate a secon d rat e an d su bj u -
gate statu s in th e world wou ld n eglect
h igh er edu cation . If In dia h as h ad an y
posit ion in th e com it y of n ation s in
past, it was on l y becau se it h ad a bet-
ter h igh er edu cation t h an m an y of i ts
Asian cou n terparts. Th is, clear em ph a-
si s on th e h igh er edu cati on , h owever,
does n ot im p ly th at it sh ou l d be su p-
ported an d develop ed at th e cost of
pr im ary an d secon d ary ed u cation .
50. Wh ich of th e fol lowin g best ex-
pl ain s th e m ain i dea of th e par a-
gr aph ?
(1) Th e govern m en t h as m ade a
wron g m ove in com partm en -
talizin g edu cation
(2) To highligh t th e su periority of
In dia in h i gh er edu cati on as
com pared to th e rest of t h e
world
(3) To em ph asize m ore on pr i-
m ary edu cat ion rat h er th an
h igher edu cation
(4) Higher edu cation is important
for t h e growth of a cou n t ry
(5) Non e of th ese
51. Which of th e following is th e m ost
li k el y ti tle of th e bi gger passage
(h avi n g th e sam e m ain id ea as
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
th at of t h e given p aragrap h ) in
wh ich this paragraph m igh t h ave
ap peared ?
(1) E d u cat i on - a fu n d am en t al
ri gh t of every ch i ld
(2) Indian edu cation-an u n fortu -
n ate n egl ect of th e pr im ary
edu cation
(3) Lack of h igh er edu cati on op-
portu n ities in In dia
(4) A com pari son of h i gh er ed u -
cation i n In di a with th at of
th e west
(5) Im por tan ce of h igh er edu ca-
ti on in growth of a cou n t ry
Qu est i on s (5 2 –5 3 )
Alth ou gh an eco-frien dly process
an d on e of t h e m ai n ways to save t h e
en vir on m en t, recycl in g is n ot gain i n g
pace in th e in d u st ry. Th e pr ocess of
recyclin g u n dergoes m an y pr ocesses.
Fi rst is col lectin g an d sor tin g of gar -
bage. Th i s r equ ires a lot of m an power
an d tools wh i ch ar e exp en sive. An -
oth er disadvan tage of recycl in g wh ich
mak es it u n livable is that for the man u -
factu rers, econ om icall y, th e recycl ed
m aterial is n ot h igh ly deman ded since
it s qu ali ty is n ot as good as t h e origi-
n al m ateri al. So if th e m ark et in g of re-
cycled goods is n ot wort h wh i le; th en
th e wh ole pr ocess of recyclin g can n ot
b e econ om i cal l y effi ci en t . Recycl ed
pr odu cts face oth er d isadvan tages as
well, su ch as sh ort sh elf life, diffi cu lty
in de-in k in g th e dyed produ ct s an d
less du r abil ity et c.
52. Th e au th or h as listed th e d isad-
van tages of recycli n g to
(1) ex plai n t h e reason wh y recy-
cl in g is n ot a pop u lar opti on
besid es h avin g variou s posi-
t ive effects on th e en vir on -
ment
(2) gi ve ar gu m en t s t o su p p or t
th e stopp in g of th e pr ocess
of recyclin g com pl etely
(3) p redict t h e effect s of stoppage
of recyclin g on t h e en viron -
ment
(4) sh ow th at th ere are b etter op-
tion s th an recyclin g available
for u tllization
(5 ) Non e of th ese
53. Wh y is th e m ar k eti n g of recycl ed
prod u cts n ot worth wh ile accord-
in g t o t h e au t h or ?
(A) Th e origin al p rod u cts ar e b e-
ing sold at a mu ch lower price
as com par ed to th e recycl ed
pr odu ct s.
COMPREHENSION TEST
(B ) Th e overal l effect of r ecycli n g
on th e en vi ron m en t i s d etr i-
m en tal rather th an beneficial.
(C) It d oes n ot gi ve app rop riate
econ om ic r etu rn s sin ce re-
cycled produ cts lack deman d
in th e m ark et.
(1 ) On ly A (2 ) B oth B an d C
(3 ) On ly C
(4 ) B oth A an d B
(5 ) Non e of th ese
Qu est i on s (5 4 –5 5 )
The h u m an civilisation stan ds on
an edge of desti n y. It li es today on
th e m ercy of n u clear weap on s wh i ch
h ave th e p ower t o d estr oy u s com -
pl etely lest con tr oll ed wisely. In su ch
a cri sis si tu ation , i t i s i m portan t to
devel op sen sit ivi ty t owards basic val-
u es of l i fe. It i n cl u d es an ex p l i ci t
reali sati on th at h u m an s swim in an
ocean wh ere t h ey m u st swim toget h er
an d sin k togeth er. At th i s j u n ct u re a
si n gl e r ott en fish wou ld dam age t h e
ocean as a wh ol e. Man can n ot afford
to tam per with h is loyalty to peace an d
in tern ation al u n derstan din g wh ich is
th e on ly way to deal wit h th e situ a-
ti on . An yon e wh o d oes so, d oom s t h e
en tir e p ast , p resen t an d th e fu tu re of
th e h u m an civilisation .
54. Wh at, accord in g to th e au th or,
sh ou ld be don e t o avoi d th e d e-
st ru ction of l ife by th e n u clear
weapon s ?
(1 ) B an th e u se of n u clear weap-
on s th r ou gh ou t th e world
(2) En force stricter laws an d boy-
cotts again st t h e n at ion s u s-
in g n u cl ear weapon s
(3 ) Gen er ate m or e awar en ess r e-
garding th e harm of u sin g th e
n u clear weap on s
(4 ) Wor k towar ds in ter n ati on al
h arm ony an d u n derstan din g
(5 ) Non e of th ese
55. Wh i ch of th e followin g can be in -
ferred from th e given paragraph ?
(A) Nu clear war, on e d ay or t h e
oth er, i s p oi sed t o en d th e
h u m an civilisation .
(B) It is n ot possible for th e cou n -
t ri es to ex ist in u n ison re-
gardl ess of wh at h appen s in
ot h er cou n tries.
(C) Un less all th e n u clear weap-
on s on earth ar e d estr oyed,
peace can n ot b e r est ored.
(1 ) On ly A
-325-

(2 ) On ly B
(3 ) On ly B an d C
(4 ) On ly A an d C
(5 ) Non e of th ese
Di r ec t i o n s (5 6 -7 0 ) : Read t h e
followin g passage based on an In ter -
view to an swer t h e given qu esti on s
based on it. Certain wor ds are pr in ted
in bo l d to h elp you locate th em wh i le
an swerin g som e of th e qu est ion s.
(RBI Gr ade-B Of f i c er
Ex am . 0 6. 0 2. 20 11 )
A sp a t e o f f ar m er s u i c i d es
l i n k ed t o h ar assm en t b y r ecover y
agen t s em ployed by m i cro fin an ce i n -
st itu tion s (MFls) in An d h ra Pr adesh
spu r r ed th e state govern m en t to brin g
in regu lation t o pr otect con su m er i n -
terests. Bu t, while th e Bill h as brou gh t
i n to sh ar p focu s t h e n eed for con -
su m er p rotecti on , it t ri es to m icro-
m an age MFI operations and in the pro-
cess i t cou ld sc u t t l e som e of th e cr u -
ci al ben efi ts th at MFIs bri n g to far m -
er s, says th e au th or of Micr ofi n an ce
In d i a, St at e Of Th e Sect or Rep or t
20 10. In an in terview h e poin t s ou t
that pru den t regu lation can en su re th e
origin al goal of th e MFIs - social u p lift
of th e poor.
Do y ou feel t h e AP Bi l l t o r egu -
l at e M Fl s i s w el l t h o u gh t ou t ? Do es
i t en su r e f ai r n ess t o t h e bor r ower s
an d t h e l on g-t er m h eal t h of t h e sec-
t or?
Th e AP B il l h as b r ou gh t i n t o
sharp focu s th e n eed for cu stom er pro-
tecti on i n fou r cr itical areas. Fir st is
pr ici n g. Secon d is len der’s liabil ity -
wh eth er th e len der can give too m u ch
loan with ou t assessin g th e cu stom er’s
ab ili ty to pay. Th ird is th e stru ctu re
of loan rep aym en t - wh et h er you can
ask m on ey on a week ly b asi s from
peopl e wh o don ’t p rod u ce week l y i n -
com es. Fou r th is th e pract ices th at
at ten d to h ow you d eal wi th defau lt s.
Bu t t h e Act sh ou ld h ave l ook ed
at th e p osi tive b en efits th at in stit u -
ti on s cou ld bri n g in , an d wh ere th ey
n eed to b e r egu lated i n t h e in terests
of t h e cu st om er s. I t sh ou l d h ave
br ou gh t on ly th ose featu res i n .
Say, you wan t th e recovery prac-
ti ces to be con sisten t with wh at t h e
cu stom er s can really m an age. If t h e
cu stom er is aggrieved an d com p lai n s
th at som ebody is h arassin g h im , th en
th ose com pl ain ts sh ou ld be in vest i-
gated by th e Di str ict Ru ral Develop-
m en t Au th ority.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Instead wh at th e Bill says is that
MFl s can n ot go to t h e cu stom er’s p re-
m i ses to ask for recover y an d th at all
t r an sa ct i on s w i l l b e d o n e i n t h e
Pan ch ayat office. With great difficu lty,
MFls brou gh t servi ces to th e door of
peopl e. It i s su ch a r eli ef for th e cu s-
tom er s n ot t o b e sp en d in g tim e ou t
goin g to ban k s or Pan ch ayat offices,
wh ich cou ld be 10 k m away in som e
cases. A facil it y wh i ch h as brou gh t
som e rel ief to people is bei n g sh u t.
Moreover, you are p racticall y telli n g
th e M FI wh ere it sh ou ld do bu sin ess
an d h ow i t sh ou ld d o i t.
Soci al r espon si bi l i t i es were i n -
bu i l t wh en t h e M Fl s w er e fi r st co n -
cei v ed. I f M Fl s go f or pr o fi t wi t h
l o ose r egu l at i on s, h ow ar e t h ey di f-
fer en t fr om m on ey l en der s?
Even among m oneylen ders there
ar e very good p eopl e wh o tak e care of
t h e cu st om er ’s ci r cu m st an ce, an d
there are really bad on es. A large n u m -
ber of th e MFls ar e good an d th ere
ar e som e wh o are co er c i v e becau se
of th e k in d of p rices an d p rocesses
th ey h ave adopted. Bu t Mon eylen ders
n ever got th is or gan i sed. Th ey did n ot
h ave su ch a large footpr in t . An M FI
br ou gh t i n organ isation , it m obi lized
th e equ i ty, it brou gh t i n com m erci al
fu n d i n g. It i n vest ed i n syst em s. It
ap poi n ted a large n u m ber of peopl e.
Bu t som e of th em ex act ed a m u ch
h i gh er p rice t h an th ey sh ou ld h ave.
Th ey wan ted to break even very fast
an d greed did tak e over in som e cases.
Are t h e for-profi t MFls t h e on ly
on es h ar assi n g peop l e for r ec ov er -
i es?
Som e n ot -for -profit ou tfits h ave
al so adopted th e sam e k i n d of r ecov-
ery m et h ods. Th at m ay b e becau se
you h ave to sh ow th at you are very
efficien t in you r recovery m ethods an d
th at you r portfolio is of a very h i gh
qu ali ty i f you wan t to get com m erci al
fu n di n g from a ban k .
In fact, am on g for -pr ofi ts th ere
ar e m an y wh o h ave sen sib le recovery
pr act ices. Som e h ave for tn igh tl y r e-
cover y, som e h ave m on th l y r ecover y.
So we h ave differin g practices. We ju st
describ e a few d om in an t on es an d as-
su m e ever y for -p rofi t M FI op er at es
li k e th at.
H o w c an y ou i n t r od u ce r egu -
l at i o n s t o en su r e soc i al u p l i f t m en t
i n a sect or t h at i s m o v i n g t o war ds
for -pr o fi t m odel s?
COMPREHENSION TEST
I a m n o t r ea l l y c o n c er n ed
wh et h er som eon e wan ts to m ak e a
profit or n ot Th e bottom -lin e for m e is
cu stom er pr otecti on . Th e fi rst ar ea is
fair practices. Are you tellin g you r cu s-
tom er s h ow th e loan i s stru ctu red ?
Are you b ein g t ran sparen t abou t you r
perform an ce? Th ere sh ou l d also be a
len der’s liabilit y att ach ed to wh at you
do. Su ppose you l en d excessi vel y to a
cu stom er with ou t assessin g th eir abil-
ity to service th e loan, you h ave to tak e
th e h i t.
Th en there’s th e qu estion of lim -
itin g retu r n s. You can say th at an MFI
can n ot h ave a retu rn on assets m ore
than X, a retu rn on equ ity of m ore than
Y. Th en su pp ose th ere is a p rivately
prom oted MFI, there sh ou ld be a regu -
lation t o en su re t h e MFI can n ot ac-
cess equ i t y m ar k et s t i l l a cer t ai n
am ou n t of ti m e. MFls wen t to m ar -
k ets per h ap s b ecau se of th e n eed to
gr ow too big too fast. Th e gover n m en t
th ou gh t th ey were m ak in g pr ofi t off
th e p oor, an d t h at’s an i n di rect rea-
son wh y t h ey decided t o clam p down
on MFl s. If you say an MFI won ’t go to
capit al m ark et, th en i t will k eep p o-
litical com pu lsion s u n der r ei n .
56 . Wh i ch of t h e fol l ow i n g b est
ex p l ai n s “st r u c t u r e o f l o an
repaym ent” in this context of th e
f i r st q u est i o n a sk ed t o t h e
au th or ?
(1) Hi gh er i n ter est rate
(2) Paym en t on week ly basis
(3) Gi vin g loan wit h ou t assess-
in g ab ili ty to p ay
(4) Meth od of d eali n g wit h d e-
fau lts
(5) Total am ou n t of loan
57 . T h e a u t h o r i s o f t h e v i ew
t h at _____.
(1) th e b ill to regu l ate MFls is
n ot n eed ed
(2) th e bill n eglects th e in terests
of th e cu st om ers
(3) th e p osi tive aspects of MFls
sh ou l d also be con si der ed
(4) m ost of t h e M Fl s ar e n ot
good
(5) MFls m u st b e told wh at an d
wh ere th ey sh ou ld do bu si-
n ess
58. On e of t h e d i st i n ct p osi t i ve
featu re of M Fls is th at _____.
(1)th ey brou gh t services t o t h e
door of p eop le
-326-

(2) th ey dealt wit h d efau lt very
firm ly
(3) th ey pr ovided adequ ate cu s-
tom er pr otection
(4) th ey are gover n ed by th e l o-
cal p eop le
(5) th ey h ave h igh l y flex ibl e r e-
paym ent plan
59. Wh at is t h e differ en ce between
MFls an d m on eylen der s?
(1 ) Th er e i s n o di fferen ce
(2) A large n u m b er of m on ey-
l en d er s ar e good w h er eas
on ly a few M Fls are good
(3) Mon eylen d ers gave cred it at
l ower r ate of i n t er est t h an
th at of MFls
(4) M Fl s ad op t ed a st r u ct u r e
an d p u t a pr ocess in p lace,
wh ich was n ot t h e case wi th
m on eylen ders
(5) Moneylen der appoin ted large
n u m b er of local peopl e as
again st m ore ou tsid e people
in MFls
60. Which of the following is positive
ou t com e of t h e AP B i l l t o
regu late MFls ?
(1) Th e b an k s h ave started th is
servi ce in r em ote areas
(2) It h i gh l igh ted som e areas of
cu stom er protect ion
(3) It h i gh l igh ted th e b ad prac-
word wh ich is m o st n ear l y t h e sam e
tices b ein g followed by m on -
i n m ean i n g as t h e wor d / gr ou p of
eylen d er s
words pri n ted in bol d.
(4) M Fl s i n vest ed i n syst em s
an d b rou gh t in com m erci al
fu n din g
(5) It will h elp con vert M Fls in to
sm all ban k s
61. Th e au thor is recom m endin g __.
(1) Not-for profit MFls
(2) For -profit M Fls
(3) St op p a ge o f c om m er ci a l
fu n din g to M Fls
(4) Cu stom er sat isfact ion irr e-
sp ecti ve of ‘Not -for p rofi t’or
‘for -profit’MFls
(5) Pu blic sector prom oted MFls
62. Wh y d id MFl s go to th e equ i ty
m ark er s?
(1) To repay th e loan
(2) To lower in ter est rate
word or grou p of word s wh ich is m ost
(3) Th ere were political com pu l-
o p p o si t e i n m ean i n g of t h e w or d
sion s
pr in t ed in bol d.
(4) To b ecom e a pu bl ic sect or
institu tion
(5) To grow very fast
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
63. Wh ich of th e foll owi n g h as n o t
b een i n d i cat ed as on e of t h e
feat u r es of fai r p r act i ces for
cu stom er protecti on ?
(1) Providin g in form ation abou t
loan stru ctu rin g
(2) MFls sh ou ld al so be h el d l i-
able for som e of their action s
(3) Not to raise m on ey from capi-
tal m ar k et
(4) MFls sh ou ld also inform pu b-
li c abou t th eir own per for -
m an ce also
(5) To pr ovi de credit as per t h e
ration al assessm en t of th eir
ab ili ty t o service th e loan
64. Wh i ch of t h e fol l owi n g cou l d
p o ss i b l y b e m o st p l a u s i b l e
reason for b an n in g recovery by
goin g to cu stom er’s p rem ises?
(1) To pr otect th e fam ily m em -
b er s
(2) To protect th e cu stom er from
h ar assm en t an d coercion
(3) To r ed u ce t h e u n d u e ex -
pen ses of MFls resu lti n g in
lower in terest rat es
(4) To accou n t syst em at i cal l y
th e m on ey r ecovered i n t h e
book s of accou n ts
(5) To k eep Pan ch ayat office ou t
of th ese tran saction s
Di rect i on s (6 5 -6 8 ) : Choose th e
65. Man age
(1) afford (2) assess
(3) th ru st (4) adm inister
(5) u se
66. Ex act ed
(1) p er fect ed (2) dem an ded
(3) estim ated (4) cor r ect ed
(5) accu rate
67. Scu t t l e
(1) delay (2) mix
(3) sh u ffl e (4) dest roy
(5) smoothen
68. Spu r r ed
(1) agitated (2) in stigated
(3) r efl ect ed (4) disapp roved
(5) prom pted
Di rect i on s (6 9 -7 0 ) : Choose th e
69. Un der rei n
(1 ) u n der wr ap
(2) with ou t target
COMPREHENSION TEST
(3) let l oose
(4) n o clou t
(5) u n der clou d
70. Coer ci v e
(1) gen tle (2) prom otin g
(3) pr ogressive (4) natu ral
(5) opin ion ated
Di r ect i on s (7 1 -8 0 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Certai n words/ ph rases are p rin ted in
bol d t o h elp you to locat e th em wh i le
an swerin g som e of th e qu est ion s.
(RBI Of f i c er Gr ade ‘B’ On l i n e
Ex am . 2 5. 0 8. 20 13 )
Th e ou tside wor ld h as pat an -
swers con cer n i n g extr em el y im pover -
ished cou n tries, especially th ose in Af-
r ica. Ever yt h i n g com es b ack , agai n
an d agai n , to corru ption an d m isru le.
Wester n officials argu e th at Africa sim -
pl y n eed s t o b eh ave itself better, to
al low m ark et forces t o operate wit h -
ou t in terferen ce b y corru pt r u l er s.
Yet t h e crit ics of Afr ican gover n an ce
h ave i t wr on g. Poli ti cs si m p ly can ’t
ex plai n Afri ca’s pr ol o n ged econ om ic
cr isi s. Th e claim th at Afri ca’s corru p-
ti on is t h e basic sou r ce of th e prob-
lem d oes n ot wi th stan d seriou s scr u -
t in y. D u r i n g t h e p ast d ecade I wit -
n essed h ow relat ively wel l-govern ed
cou n t ries i n Africa, su ch as Gh an a,
Malawi, M al i an d Sen egal , failed to
prosper, wh ereas societies in Asia per -
ceived t o h ave ex t en si v e corru ption ,
su ch as B an glad esh , In don esi a an d
Pak i st an , en j oy ed r ap i d econ om i c
gr owth .
Wh at is t h e exp lan ati on ? Every
si tu ation of extrem e povert y arou n d
th e worl d con t ain s som e of it s own
u n iqu e cau ses, wh i ch n eed t o b e d i-
agn osed as a doctor wou l d a pat ien t.
For exam ple, Africa i s b u rden ed wi th
m alaria lik e n o oth er part of th e world,
si m pl y b ecau se it is u n l u ck y in pr o-
vi din g t h e per fect con di tion s for th at
di sease; h igh t em perat u res, plen ty of
br eed in g sit es an d par ticu lar sp eci es
of m al ari a-t r an sm i t ti n g m osqu i t oes
th at prefer to bite h u m an s rath er th an
cattl e.
An oth er m y t h i s t h at th e d evel-
op ed worl d already gives p len ty of aid
to th e world ’s poor. For m er U.S. Sec-
ret ary of t h e Treasu ry, Pau l O’Neil ex-
pr essed a com m on fru strat ion wh en
h e r em ark ed ab ou t ai d for Afr i ca :
“We’ve sp en t t r i l li on s of d ol l ar s on
-327-

t h ese pr ob l em s an d we h ave d am n
n ear n oth in g to sh ow for it ”. O’Neil
was n o foe of forei gn aid . In deed, h e
wan ted to fi x t h e syst em so th at m ore
U.S. aid cou ld be ju stified. Bu t h e was
wr on g to bel ieve t h at vast flows of aid
to Africa h ad b een sq u an d er ed. Pres-
id en t Bu sh said in a p ress con feren ce
in April 2004 th at as “the greatest pow-
er on th e face of th e earth , we h ave
an obl i gat i o n t o h elp th e spread of
freedom . We h ave an obligation to feed
th e h u n gry”. Yet h ow does th e U.S.
fu lfi ll its ob ligation ? U.S. aid to far m -
ers in poor cou ntries to h elp th em grow
m ore food ru n s at arou n d $200 m i l-
l i on per year, far l ess t h an $ 1 p er
person p er year for t h e h u n dreds of
m illion s of people livin g in su bsistence
farm h ou seh olds.
Fr om th e wor ld as a wh ole, t h e
am ou n t of ai d p er Afri can per year is
reall y very sm all, ju st $30 per su b-
Sah aran African in 2002. Of th at m od-
est am ou n t, alm ost $5 was act u al ly
for con su ltan ts fr om th e don or cou n -
tr ies, m ore th an $ 3 was for em ergen -
cy aid , ab ou t $4 wen t for ser vi ci n g
Africa’s deb ts an d $ 5 was for deb t-
rel ief op erati on s. Th e rest, abou t $ 12,
wen t to Africa. Sin ce th e “m oney down
th e drain ” argu men t is h eard m ost fre-
qu en t ly in t h e U.S., it’s worth look i n g
at th e sam e cal cu lation s for U.S. aid
al on e. In 20 02, th e U.S. gave $ 3 p er
su b-Sah aran African . Tak in g ou t t h e
parts for U.S. con su l tan ts an d tech -
nical cooperation , food and oth er emer -
gen cy ai d, ad m in ist rat ive cost s an d
debt reli ef, th e ai d p er Afr ican cam e
to gr an d total of 6 cen t s.
Th e U.S. h as pr om i sed repeat-
ed ly over th e d ecades, as a sign at o-
r y t o gl ob al agr eem en t s l i k e t h e
Monterrey Con sensu s of 2002, to give
a mu ch larger proportion of its an nu al
ou tpu t, specifically u pto 0.7% of GNP,
t o offi ci al d evel op m en t assi st an ce.
Th e U.S. failu re to follow th rou gh h as
n o p ol i t ical fal l ou t dom est ical ly, of
cou rse, becau se n ot on e in a m i lli on
U.S. ci t i zen s even k n ows of st at e-
m en ts lik e th e Mon terrey Con sen su s.
Bu t n o on e sh ou ld u n derestim ate th e
salien ce th at it h as arou n d th e world.
Sp in as Am er ican m i gh t ab ou t th eir
nation ’s gen erosity, the poor cou n tries
are fu lly aware of wh at th e U.S. is n ot
doin g.
71. Th e passage seem s to em ph a-
si ze t h at th e ou tsi de worl d h as
(1) cor rect u n derstan di n g ab ou t
th e r eason ab le aid provid ed
by th e USA to th e p oor cou n -
tries
(2) d efi n i t e i n for m at i on ab ou t
wh at is h ap pen i n g in u n d er
devel oped cou n tri es
(3) stopped exten din g an y fin an -
ci al ai d t o u n d er devel op ed
cou ntries
(4) m isconception s abou t th e aid
gi ven to th e p oor n ation s by
devel oped cou n tri es
(5) Non e of th ese
72. Accord in g to th e Wester n er s t h e
solu t ion to er adicate pover ty of
Afr ican n ati on s lies in
(1) corru ption
(2) im provin g th eir own n ation al
beh aviou r
(3) m isru le
(4) prolon ged econ om i c cri sis
(5) Non e of th ese
73. Th e au th or h as given th e exam -
ple of Bangladesh , In donesia an d
Pak istan in su ppor t of h is argu -
m en t th at
(1) corru pti on is th e m ajor cu l-
pr it in th e way of pr osp eri ty
(2) m is-govern an ce h am pers th e
pr osperit y of n ation s
(3) despi te r am p an t corru p tion ,
n ation s m ay pr osp er
(4) developed n ation s arrogan tly
n egl ec t u n d er d ev el o p ed
cou ntries
(5) Non e of th ese
74. Th e au th or h as m en ti on ed Gh a-
n a as a cou n try wi th
(1) reason ably good-govern an ce
(2) corru p t l ead ersh ip
(3) pl en t y of n atu r al resou rces
(4) rapid econ om ic growth
(5) Non e of th ese
75. The cases of m alaria in Africa are
m ain ly du e to
(A) h igh tem peratu re
(B) clim atic condition s con du cive
for b reedin g.
(C) malaria carriers’lik in g for h u -
m an b lood i n pr eferen ce to
th at of cattl e.
(1) Non e of th ese
(2) On ly B an d C
(3) On ly A an d C
(4) On ly A an d B
(5) Al l t h e th r ee
COMPREHENSION TEST
Di r ect i on s (7 6 –7 8 ) : Choose th e
word/ grou p of word s wh ich is m o st
n ear l y t h e sam e in m ean in g t o t h e
word/ grou p of word s p rin ted in bo l d
as u sed in t h e passage.
76. OBLI GAT I ON
(1) lip sym path y
(2) tru e em path y
(3) self pi ty
(4) con ditional respon sibility
(5) m oral bin din g
77. SQUANDER
(1) u se econ om ically
(2) sp en d wastefu l ly
(3) siph on ju diciou sly
(4) don ate gen erou sly
(5) Non e of th ese
78. M ODEST
(1) hu mble (2) su ffi cien t
(3) m eagre (4) sob er
(5) u npretentiou s
Di r ect i on s (7 9 – 8 0 ) : Ch oose th e
word/ grou p of word s wh ich is m ost
OPPOSI T E in m ean i n g of th e word
gi ven in bol d as u sed in th e passage.
79. MYTH
(1) reality (2) m yst er y
(3) m isery
(4) m iscon ception
(5) exaggeration
80. EX T ENSI VE
(1) in ten sive (2) abominable
(3) in h eren t (4) ram pan t
(5) n egligible
Di r ect i on s (8 1 -9 0 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer th e qu esti on s based on it. Som e
words h ave been p rin ted in bo l d to
h el p you locate th em wh il e an swer in g
som e of th e qu est ion s.
(RBI Of f i cer Gr ade ‘B’ Ph ase-I
Ex am , 0 3. 0 8. 20 14 )
Gr oss Dom esti c Savi n gs (GD S)
play a vital role in th e economic growth
of a cou n tr y sin ce it facil itates to pr o-
vi de requ isi te fin an ci al resou rces to
u n dertak e variou s developm en tal an d
welfare program s. A h igh level of sav-
in gs h elp s t h e econ om y to progress
on a con t in u ou s growth path as i n -
vestm en t is main ly financed ou t of sav-
in gs. GDS is on e of th e im portan t eco-
n om ic in dicators to m easu re fin an cial
r egu l a t i on an d s ou n d n ess o f t h e
cou n t ry.Absen ceofr equ ired savin gs
rate m ay lead to ex tern al depen den ce,
wh ich m ay j eopar di ze th e in terests of
th e Nati on .

I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-328-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310

Savin gs h abi t i s an i n -bu ilt cu l-
tu re of th e In d ian system an d i t h as
b een gr owi n g con si st en t l y over t h e
years. Th e GD S percen tage t o GD P
h as sh own con siderable im provem en t
from 10% in 1950 t o 33.7 0% in 2 010,
wh i ch is on e of th e h i gh est glob ally. It
is in teresti n g to n ote th at wh il e t h e
sh are of cor p or at e sect or i n cr eased
fr om 1 0 % t o 2 4 % d u r i n g 1 9 5 0 t o
20 10, th e sh are of pu bli c sector h as
com e d own to 6% from 1 8% d u ri n g
th e said per iod . Th e b u oyan cy of cor -
porate sector in post reform era cou ld
be on e of t h e reason s for i n cr eased
sh ar e of cor p or at es i n GD S. Wh i l e
there is in creasin g trend in saving rate,
m argin al d ecli n e i s ob served u n d er
h ou seh old sector i .e. 72% to 70 %.
Not with stan din g th e fact th at t h e
sh are of h ou seh old savin gs t o GDS is
sh owi n g declin e, stil l t h is segm en t is
the sign ificant con tribu tor to GDS with
7 0 % sh are. In d i an h ou seh ol d s ar e
am on g th e m ost fru gal in th e worl d.
However, co m m en su r at e capital for -
m ati on h as n ot b een tak in g p lace as a
li on ’s sh are of h ou seh old savin gs are
bein g park ed in ph ysi cal assets com -
pared to fi n an cial asset s.
Th e p attern of disp osi tion of sav-
in g is an im portan t factor in determ in -
in g h ow th e saved am ou n t is u ti lized
for p rod u cti ve pu r poses. Th e pr opor -
ti on of h ou seh old savi n g in fin an ci al
asset s d eter m in es th e ch an n elisati on
of savin g for in vestm en t in ot h er sec-
tors of th e econ om y. However, th e vol-
u m e of in vestm en t of savi n g in p h ysi-
cal asset s d eterm in es th e pr odu ctivi-
ty an d gen erat ion of in com e in th at
sector it sel f.
Post-In depen den ce era h as wi t-
n essed a sign ifican t sh ift i n deploy-
m en t of h ou seh old savin gs especially
t h e s h ar e of fi n an ci a l as set s i n -
cr eased fr om 2 6 .3 9 % i n 1 9 5 0 t o
54 .05 % i n 1 990 m ay be on accou n t
of i n cr eased b an k b r an ch n et wor k
across t h e cou n try cou pl ed wit h i m -
proved awareness of in vestors on var -
i ou s fi n an cial / b an k in g pr od u ct s.
However, con trast t o com m on expec-
tation s, th e sh ar e of fi n an cial assets
in total h ou seh old savin gs h as com e
down from 5 4.0 5% t o 5 0.2 1% esp e-
ci all y i n p ost reform period i .e. 19 90
t o 2 01 0 despi t e p r ovi di n g easy ac-
cess an d availability of ban k in g facil-
it ies com par ed to ear lier years. Th e
i n cr eased sh ar e of p h ysi cal asset s
over fin an cial assets (arou n d 4%) du r -
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
in g t h e last t wo d ecades is a cau se
of con cern requ ires focu sed att en tion
to ar rest th e t ren d.
Tr ad i t i on al l y , t h e In d i an s ar e
ri sk -aver se an d prefer to in vest su r -
plu s fu n ds in ph ysical assets su ch as
Gold, Silver an d lan ds. Neverth eless,
con si d er ab l e sh ar e of savi n gs al so
fl owi n g to fin an cial assets, wh ich i n -
cl u d es, Cu r r en cy , B an k D ep osi t s,
Claim s on Govern m en t , Con t r act u al
Savin gs, Equ ities
Th e com position of h ou seh old fi-
n an ci al savin gs sh ows th at th e ban k
deposits (44%) continu e to remain th e
m ajor con t ribu tor alon g with th e r ise
in th e Con tractu al Savin gs, Claims on
Govern m en t an d Cu rren cy.
Th ou gh t h er e w as gr ad u al d e-
cl i n e i n cu r r en cy h ol d i n gs b y t h e
h ou seh old s i .e. 13.79% in 197 0s to
9.30% in 200 7, stil l t h e presen t cu r -
ren cy h oldi n g level with h ou seh ol ds
app ears to be on h igh side com pared
to ot h er cou n tr ies. Th e prim ary rea-
son s for h i gh er cu r r en cy h ol d i n gs
cou ld be absen ce of ban k in g facilities
in m ajor ity vil lages (5.70 lak h vi llag-
es) as well as h oardin g of u n accou n t-
ed m on ey in th e for m of cash to ci r -
cu m ven t t ax l aws. Th ou gh , cash i s
tr eat ed as fin an ci al asset, in realit y,
a m a j o r p o r t i o n o f c u r r en c y i s
block ed an d becom e u n produ ct ive.
Ban k deposit s seem ed to b e t h e
preferred ch oice main ly on accou n t of
its in bu ilt featu res su ch as Safety, Se-
cu rity an d Liqu idity. Tradition ally, th e
Hou seh old sect or h as been playin g a
lead in g rol e in th e lan dscape of ban k
dep osits foll owed by t h e Govern m en t
sect or. However, th e l ast two decades
has witn essed sign ifican t sh ift in own -
er sh i p of Ban k dep osi ts. Wh i le th ere
was im pr ovem en t i n Cor porate an d
Gover n m en t sect ors’ sh are by 8.3 0%
an d 7 .2 0% r esp ect i vel y du r i n g t h e
per iod 1 999 t o 200 9, h ou seh old sec-
tor lost a sh are of 13.30% i n th e post
refor m period.
In th e post in d epen den ce era, In -
di an fin an ci al system was ch aracter -
ized by poor i n frastr u ct u re an d l ow
level of fin an cial deepen in g. Savin gs
in ph ysical assets con stitu ted th e larg-
est p ort ion of th e savin gs com par ed
to th e fin an ci al assets in th e in iti al
years of th e pl an n in g period s. Wh i le
ru ral h ou seh olds were k een on acqu ir -
in g farm asset s, th e port folio of u r ban
h ou seh olds con stitu ted con su m er du -
COMPREHENSION TEST
rables, gold, jewellery and h ou se prop-
er ty.
Despi te th e fact t h at th e h ou se-
h old savings h ave been gradu ally m ov-
in g from ph ysical assets to fin an ci al
asset s over th e years, st ill 4 9 .7 9 %of
h ou seh old savin gs are wrapped in u n -
pr odu cti ve p h ysical assets, wh i ch is
a cau se of con cern as t h e sh are of
ph ysical asset s to t ot al savin gs are
very high in th e recen t years com pared
t o em er gi n g econ om i es. Th i s t r en d
n eeds to be arr est ed as scar ce fu n ds
ar e b ein g di ver ted in to u n pr odu cti ve
segm en ts.
Of cou rse, i n vestm en t in Real es-
tate sect or can be treated as pr odu c-
ti ve provid ed con stru cti on act ivi ty is
com m en ced wi th i n r eason ab le tim e,
bu t i t i s regrettably n ote t h at m an y
in vestors ju st bu y an d h old it for spec-
u lation leading to u nprodu ctive in vest-
m en ts.
India h as probably th e largest fas-
cination with gold than an y other cou n-
tr y i n t h e wor ld with a sh are of 9.5 0%
of th e worl d’s total gol d h oldin gs. Th e
Worl d Gold Cou n cil bel ieves th at t h ey
ar e over 18 000 ton n es of gold h ol d-
in g i n t h e cou n try. M ore im pressi ve
is th e fact th at cu rr en t dem an d fr om
In d i a al on e con su m es 2 5 % of t h e
wor l d ’s an n u al gol d ou t p u t . Lar ge
am ou n t of capit al is block ed in gold
wh i ch r esid es i n ban k l ock er s an d
rem ai n u n produ ctive.
In d ian econ om y wou ld gr ow fast-
er if th e capit al m ar k et s cou ld at tract
m ore of the nation ’s savin gs an d ch an -
n el t h em in t o m ore pr odu ctive areas,
especial ly i n fr ast ru ctu r e. If t h e In d i-
an m ark et can develop an d evolve in to
a m ore m atu re fin an cial system, wh ich
persu ades th e middle class to pu t more
of it s m on ey i n to equ iti es, th e p oten -
tial is m i n d-boggl i n g.
81. Wh ich of th e followin g statemen t
(s) i s/ ar e corr ect in th e con text
of th e gi ven passage?
I . Th e GDS per cen tage t o GDP
h as sh own con si der abl e i m -
provem en t from 10% in 1950
to 33 .7% in 201 0, wh i ch is
on e of t h e h igh est glob all y.
II . T h e s av i n g r at e h o w ever
sh ows an in creasi n g tr en d,
m argi n al decli n e is observed
u n der h ou seh old sector.
III. Th e sh ar e of fi n an cial assets
i n t ot al h ou seh ol d savin gs
h ave com e d ow n fr om
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54 .05 % t o 5 0.21 % especial-
ly in post reform er a.
(1) On ly I
(2) On ly I an d II
(3) On ly II an d III
(4) Al l I, II an d III
(5) Non e of th ese
82. Post in depen den ce era h as wi t-
n essed a sign ifican t sh ift i n d e-
pl oym en t of h ou seh old savin gs
especiall y t h e sh are of fin an ci al
assets in creased to 54 .05 % in
199 0. Wh ich of th e followin g is/
are su pp osed t o b e t h e p r im e
cau se of th i s sh ift?
(1) It is du e t o ban k bran ch n et-
work across th e cou n tr y.
(2) Gover n m en t h as m ad e ar -
ran gemen ts to aware the peo-
pl e.
(3) It is du e t o in crease in ban k
br an ch n etwork an d awar e-
n ess am on g in vestors on var -
iou s ban k in g p rodu cts.
(4) In dian econom y is growing at
8 % an d p eop l e ar e savi n g
m ore th an earli er
(5) Non e of th ese
83. In dia h as pr obably th e largest
fasci n ati on wit h gold th an an y
ot h er c ou n t r y i n t h e w o r l d .
Wh ich of th e followin g i s i n cor -
rect i n regar d to th i s fasci n ati on
as m en ti on ed i n t h e passage?
(1) In d ia sh ares 9.50% of th e to-
tal gold h oldin gs
(2) Accor din g to th e World Gold
Cou n cil est im ates, t h er e are
over 18 0 0 0 t on n es of gol d
h oldi n g in In dia.
(3) Th e cu rren t dem an d from In -
di a alon e con su m es 2 5% of
th e worl d’s an n u al gold ou t-
pu t.
(4) A sm all am ou n t of capit al is
bl ock ed in gol d i n b an k s b u t
is h owever produ ctive.
(5) Non e of th ese
84. Wh ich of th e followin g ar e t h e
p r i m ar y r eason s, ci t ed i n t h e
p assage, for h i gh er cu r r en cy
h oldin gs?
(1) It is du e to large ban k in g n et-
work th at st ash es m on ey.
(2 ) It is du e t o absen ce of ban k -
ing facilities in majority of vil-
l ages an d t en d en cy t o ci r -
cu m ven t tax laws for u n ac-
cou n ted m on ey.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
COMPREHENSION TEST
(3) People do not believe in bank s
an d fear that governm ent m ay INSURANCE EXAMS
tak e th ei r m on ey.
(4 ) Th ere i s l ack of awaren ess Di r ec t i o n s (1 -1 0 ) : B elow ar e gi v-
en two passages. Read each of th em
am on g peopl e ab ou t savin gs
carefu lly and answer the qu estions giv-
in ban k s
en u n der it . )
(5 ) Non e of th ese
(Un i t ed I n d i a I n sur an c e Co.
85. Despi te th e fact t h at th e h ou se-
AAO Ex am . 21 .04 .20 02
h old savin gs h ave been gradu al-
PASSAGE-I
ly m ovin g fr om ph ysical assets
Wh en we t alk abou t pu b lic opi n -
t o f i n an ci a l as set s ov er t h e
ion som eon e m ay legiti m ately ask t h e
y ea r s . W h a t p er c en t a ge o f
qu estion : Does th e pu blic care for law
h ou seh old savings is wrapped in
an d order? Th e an swer is “Yes”. Th e
u n prod u ct ive ph ysical asset s?
vast m ajorit y of th e p eop le in In di a,
(1) 45% (2) 46.79%
as elsewh ere, are law-abiding and they
(3) 58% (4) 49.79% wan t th at th ey sh ou ld be able to carry
(5) Non e of th ese on th eir dai ly work in a peacefu l at-
86. Wh ich of th e followin g sh ou ld be m osph ere. It is th is cravin g for p eace,
a su i tab le tit le of t h e passage? wh ich en abled stron g k in gs t o fin i sh
(1) Im port an ce of Gross Dom es- feu dal r egi m es in m an y cou n tri es in
tic Savi n gs Eu rop e in th e 1 4th an d 15 th cou n -
(2) Gr owt h of In dian econ om y tr ies. It i s t h is ver y feel in g, wh ich en -
abl ed m an y d ictators in t h e 20 th cen -
(3) Fascin at ion for Gold
tu ry to ear n p u bli c appl au se i n t h e
(4) Ph ysical assets versu s fin an - begin n in g by en din g l awl essn ess. Let
ci al assets
u s go b ack i n h istor y. Th er e was a
(5) Non e of th ese ti m e in t h e h istory of th e world wh en
Di r ect i on s (8 7 –8 8 ) : Ch oose th e t h er e was n o st at e an d n o gover n -
word/ grou p of word s wh ich is m o st m en t. Man l ived in th e stat e of n a-
n ear l y t h e sam e in m ean in g t o t h e tu re. Th e fam ou s British poli tical ph i-
word/ grou p of word s p rin ted in bol d. losop h er Hob bes h as given a descri p-
ti on of th is st ate. B oth li fe an d prop-
87. Con t ract u al
er ty wer e u n safe an d m an li ved in a
(1) promisin g
st ate of perpetu al terror. Th i s forced
(2) agreein g
h u m an bein gs to evolve order ed soci-
(3) prom issory eti es t o m ak e laws for th em sel ves an d
(4) agr eeab le to follow th ese laws. As societ y d evel-
(5) con cord op ed; ru les of con du ct got cod ifi ed as
88. Com m en su rat e l aws, e.g., l aws wer e m ad e again st
(1) matching m u r der an d th eft so t h at ever yon e
cou ld li ve an d en joy h is pr operty. In -
(2) com m esal
di vid u al selfi sh n ess again st com m u -
(3) com m em orative n i ty i n terests b ecam e a cr im e. Arrest-
(4) u nm atch ing in g crim i n al s was obeyin g th e m an -
(5) com fortable date of th e people. As l aws gr ew in
Di r ect i on s (8 9 -9 0 ) : Ch oose th e n u m ber an d com plex ity, pr ofession al
word (s) wh ich is m ost op po si t e i n police forces em erged. Even n ow cit i-
m ean i n g of th e wor d p rin ted in bol d, zen con st abl es h ave n ot b een en t irely
as u sed in t h e passage. di sp laced an d a B ob by in U.K. h as
89. J eopar di ze very few powers n ot en joyed by a ci t-
izen . Th e gr eat est ben efit of civi lised
(1) sever e (2) en dan ger
li fe was law an d order. Th e ru l e of l aw
(3) saddle (4) safegu ard was recogn ised by Socrates, Plato an d
(5) satu rate Ar ist otl e as th e m ost pr om in en t fea-
90. Mi n d-boggli n g tu re of dem ocr acy. Ar ist otl e said th at
every ch ild in sch ool m u st b e t au gh t
(1) con sciou s
ob edi en ce to law, else th e State wi ll
(2) inclined
cease to exist.
(3) very difficu lt
Th e st ate of p u b li c opi n ion in a
(4) su rprisin g
cou n try h as a vital bearin g on law an d
(5) u nsu rprisin g or der. Th i s m ay be a vagu e an d n eb u -
-330-

lou s con cep t b u t on e can n otice t h e
b i g d i ffer en ce as, for ex am p l e, b e-
tween U.K. an d In d ia. It wil l n ot be
possi ble for an yon e i n U.K. to collect
a crowd of a h u n dred on sever al of
th ose issu es on wh i ch on e can collect
a crowd of several th ou san d s i n In -
di a. Here, i n In dia, a system ati c at-
tem pt was m ade by several section s
to den igr ate th is very con cept an d to
ad van ce th e th esis th at ill egal activi-
t i es m ay b e qu i t e d em ocr at i c an d
pr aiseworth y. If th is is accep ted , t h e
ver y b asi s of ci vi l i zed ex i st en ce i s
k n ock ed ou t, becau se civi lization , as
it h as developed, wou ld n ot h ave been
possible withou t th e con cept of the ru le
of law. Its u n i ver sal accept an ce n ow
is du e t o several h u n dreds of years of
st ru ggle. On ce it is destroyed, we wi ll
rever t t o th e stat e of n atu re, in wh i ch
life, as described by Hobbes, “was n as-
tl y, bru t ish an d sh ort ”.
1. Maj orit y of peopl e follow th e law
an d order basicall y becau se
(1) it took h u n dreds of years to
en force laws
(2) ot h er wi se we wou l d r ever t
back to n atu re
(3) th ey wan t t o l ive safel y an d
peacefu lly
(4) it is dem ocrat ic an d pr aise-
worth y
2. “It i s t h is very feel in g, wh ich en -
ab led .......” Wh i ch feelin g i s r e-
ferred to h er e?
(1 ) ab idi n g by l aw
(2 ) en di n g lawlessn ess
(3) win n in g applau se
(4 ) l ivi n g in peace
3. “In di vi du al selfish n ess again st
com m u n it y i n terests becam e a
cr i m e.” Th i s sen t en ce m ean s
th at i t i s a cri m e to
(1) com p ar e sel f i n t er est w i t h
com mu nity
(2) gi ve m or e i m portan ce to self
in ter est th an com m u n it y i n -
terest
(3) k eep com m u n ity in terest be-
fore sel f i n terest.
(4) h avi n g sel f i n t er est at t h e
cost of com m u n i ty in terest.
4. Wh ich of th e followin g i s NOT
an in dication of a civili zed soci-
ety?
(1) Laws against m u rder and theft
(2 ) Foll owi n g of t h e laws b y t h e
people
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(3 ) Li vin g i n a state of t err or
(4) Arrestin g crim in als.
5. Wh ich of th e fol lowin g ph i loso-
ph ers belon ged to U.K.?
(1 ) H obb es (2 ) Socrat es
(3) Aristotle (4) Plato
PASSAGE-I I
Th e m ajor grou n d for rejectin g th e
fu si on of p ol i t i cal an d com m u n al
aspir aion s seem s t o b e t h e ph ysical
d an ger s t o wh i ch t h i s ex p oses t h e
ci tizen s of a cou n try. Un lik e pol itical
ap peals to class fact ors, p olit ical ap-
p eal s t o com m u n al qu est i on s ar e
m u ch m or e con cr et e, p r eci se an d
em oti on ch ar ged si n ce t h ey in volve
i n t i m at e an d p er son al sen t i m en t s.
Th e lan gu age issu e, for in stan ce, can
n ever be an abstract issu e to an y citi-
zen i n a cou n t ry relative, say, t o t h e
issu e of social welfar e, povert y eradi-
cati on , or exp an sion of ed u cati on al
op p or t u n i t i es. Pol i t i ci an s i n t h ei r
qu est for p ower can escal at e su ch
em ot i on s t o a fr en zy of i l l - feel i n g
am on g t h e com m u n i t ies. Mor eover,
m em ber s of com m u n al gr ou p s an d
th eir n eigh bou rh oods are easily iden -
ti fiable an d can b ecom e easy targets
of at tack . Th e n orm s of civili zed gov-
er n m en t s can n ot al l ow t h e r i ot in g,
lootin g an d k ill in g wh ich is a n or m al
con sequ en ce of com m u n al ism wh i ch
seek s p ower. H en ce i n on e way or
ot h er a li d i s sou gh t t o b e p u t on
com mu n al politics. However, it wou ld
b e wel l for pol it ical l ead er s, pu b li c
ad m i n i st r at or s an d r esear ch er s t o
recogn ise com m u n ity-based pol itical
aspir ati on s for wh at th ey ar e r ath er
th an to m er ely con dem n t h em wi th
valu e loaded ju dgem en t . Clearly it is
su fficien t for civil ized govern m en ts to
reject com m u n al pol itics on grou n ds
of th e dan ger t o wh ich it ex poses t h e
com m u n ities wh ich constitu te the na-
ti on . Efficien t p olicy d eci sion can be
form u lated only on the basis of a clear
recogn it ion of issu es.
6. ‘Fu sion of p olit ical an d com m u -
n al aspiration s’im plies
(1) con fu sin g politi cal an d com -
m u n al ambitions.
(2) tr yin g to gain pol iti cal power
th rou gh exploiting com mu n al
sen tim en ts.
(3) allowing political and commu -
n al am b ition s to co-exist.
(4) su bordin atin g political am bi-
tion s to com m u n al on es.
COMPREHENSION TEST
7. Wh ich on e of t h e foll owi n g is an
ill u str ation of t h e class-fact or?
(1) Com m u nal ten sion s
(2) An ti-reservation movem en t
(3) Lab ou r u n rest
(4) Objection s to a com m on Per -
son al Law for In d ian s.
8. Why do politicians feel in terested
in ex ploi tin g r eligion for servi n g
th eir political en ds?
(1) B ec a u s e t h ey a r e b i a sed
again st oth er r eligion s.
(2) Becau se politician s can serve
t h ei r i n t er est b et t er u n d er
t h e gar b of con st i t u t i on al
gu aran tee for r eli giou s free-
dom.
(3) B ecau se p ol i t i ci an s fi n d i t
easier to gain th e sym pat h y
of th eir cor eli gion ist s.
(4) Becau se religiou s sen tim ents
ar e d eep l y r oot ed an d ar e
h igh l y em oti on al l y ch ar ged
even at t h e per son al l evel.
9. Why do politicians raise com mu -
n al feel in gs to fr en zy?
(1) Becau se t h ey wan t t o exploit
com m u n al feelin gs for gai n -
in g m ore power.
(2) Becau se religiou s grou ps are
easil y iden tifi able.
(3) Becau se In d ian poli tics is by
an d l arge b ased on t h e divi-
si on of t h e p op u l at i on on
com m u nal lin es.
(4) B ecau se t h ey h ave n o r e-
sp ect for th e n orm s of a civi-
li zed govern m en t.
10. Wh at sol u ti on d oes th e au th or
offer for tack lin g comm u n al poli-
tics?
(1) To con d em n i t as an t i -n a-
tional an d an ti-people
(2) To id en t ify p oli tical aspir a-
tion s beh in d com m u n al poli-
tics an d tack le th em for wh at
th ey are
(3) To c on ced e r el i gi o u s d e-
m an ds to diffu se t h e situ a-
tion
(4) To ex pose p oli tician s b efore
th e p u bl ic as t o h ow th ey ex-
ploi t religiou s sen tim en ts for
person al aggran disem en t
Di r ect i on s (1 1 -2 5 ) : Read th e fol-
lowin g p assage car efu lly an d an swer
th e qu est ion s given below it . Certain
words/ ph rases are gi ven in bol d t o
-331-

h elp you to locate th em wh ile an swer -
in g som e of th e qu est ion s.
(LI C Assi st an t Adm i n i st r at i v e Of f i c er
(AAO) Ex am . 2 4.0 4. 200 5 )
Accor d i n g t o som e econ om i st s
sw adesh i d oes n ot m ean in su l ati n g
I n d i a’s ec o n o m y f r o m t h e w o r l d
econ om y. Th e b asi c i dea of sw adesi
i s t o h ave a c al i br at ed p r ocess of
open i n g of th e econ om y so t h at al l
segmen ts are en abled to compete with
t h e b est i n t h e w or l d aft er goi n g
th rou gh i n t en se in tern al com petition
leadi n g to m ergers, acqu isit ion s an d
el im i n at ion s. Th is is h ow J apan h ad
develop ed i ts i n du stry an d th e en ti re
econ om y.
H o w ev er , u n d er t h e p r es en t
world situ ation an d th e di re necessity
of m i t i gat i n g con dition s of poverty in
th e cou n t ry, th e Gover n m en t h as to
decid e as t o h ow m u ch of fr ee trade
is to be al lowed in t h e differ en t seg-
m en ts of econ om y i n order to ach ieve
t h e r at e of gr owt h p l an n ed for t h e
econ om y d u ri n g th e per iod of Nin th
Plan.
Al l over t h e wor ld p eop l e h ave
been fou n d t o b e d ivi ded on th e cr u -
ci al qu est ion of pr ot ection an d fr ee
tr ade. A recen t st u dy h as fou n d th at
th e p rotection i sts in t h e wor ld ou t-
n u m b er free tr ad er s an d ar e sh ow-
in g fu r th er in cr ease in t h eir n u m b er.
The stu dy has been made for Th e
Econ om i st by th e Au gu s-Reid Grou p,
a Can adian pollster. It is b ased u pon
an op i n ion p oll carr i ed ou t am on g
12 741 adu lts sp read over 22 i m por -
tan t cou n tries of t h e world. Th e lead-
in g qu estion ask ed in th e pol l was
as to wh ich of th e followin g two ap-
pr oach es do you th i n k wou ld b e t h e
best way to im prove th e economic an d
em ploym en t situ ation in th is cou n try
: (5) Non e of th ese
(i) Protectin g ou r local in du stries
by restr ict in g im port s, or (ii ) Rem ov-
ing import restriction s to in crease ou r
internation al trade?
Repli es r eceived t o t h is qu esti on
showed th at - (a) Protectionists world-
wi de ou tn u m ber free trad ers 47% to
42% (b) Proportion of people su pport-
in g free tr ade h ad declin ed from 43%
in 199 7 to 42 % in 199 8.
Th e t ren d for a fall in th e n u m -
ber of fr ee traders an d a ri se i n t h e
n u m b er of p r ot ect i on i st s h as b een
called as ‘am azin g’ i n t h e stu d y b e-
cau se it h as sh own a n egative r esu lt
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
for t h e st u pen dou s global efforts of
th e WTO, t h e Worl d B an k th e IMF
an d t h e m ost power fu l G - 7 cou n -
tries for th e pr opagat i on an d prom o-
tion of free trade an d glob alisation in
th e worl d.
I t i s i n t er est i n g t o n ot e t h at
Am eri ca, Au stralia, UK, Can ad a an d
Italy, wh o are str on g ch am p ion s of
fr ee t r ad e i n t h e w or l d h ave l ar ge
m ajority of th eir own people still su p-
porti n g prot ect ion ! Th e stu d y says :
‘‘A clear m ajor ity of Am erican s (5 6%
t o 3 7 %) ar e p r otecti on ist s even to-
day’’. An d over th e past on e year, th e
n u m b er of fr ee t r ad er s i n Am er i ca
h ad d ecl i n ed b y 4 %. Su ch d ecl i n e
w as m u ch h i gh er i n I t al y (2 1 %),
Can ada (13%) an d UK (12%).
11 . Th e cred it of J apan ’s in du stri al
an d econ om i c devel opm en t goes
to th e st rat egy of...
(1) isol at in g it s own econ om y
fr om th e world econ om y
(2) effectively facin g intern al an d
ex ter n al econ om ic com pet i-
tion.
(3) m ergin g it s in d u stri es wi th
th ose of forei gn player s.
(4) elimination of loss-m ak in g in-
du st ri es an d acqu i si ti on of
profi t-m ak in g on es.
(5) Non e of th ese
1 2 . Wh ich of th e followin g i s m isi n -
t erp r et ati on of ‘‘Sw ad esi ’’, ac-
cordi n g t o som e econ om ist s?
(1) In ten se in t ern al com pet iti on
leadi n g to m ergers et c.
(2) It s equ i val en ce t o J ap an ’s
developm en tal str ategi es.
(3) In ten se com pet ition wi th t h e
best i n t h e worl d.
(4) Ou r own st r ategi es d i sreg-
ardin g global econ om y
1 3 . Th e fi n d i n g of t h e Au gu s-Rei d
Gr ou p is in favou r of...
(A) Protectionists
(B) Ad vocates of fr ee trade
(1) (A) On ly (2) (B) On ly
(3) (A) On ly in 8 cou n tri es
(4) (A) On ly in 4 cou n tri es
(5) Non e of th ese
1 4 . Wh ich on e of th e followin g sen -
ten ces i s t ru e in th e con text of
th e passage?
(1) Major ity is in favou r of pr o-
tection ism .
COMPREHENSION TEST
(2) Not m an y are in favou r of pro-
tection ism .
(3) On l y G-7 cou n t r i es ar e i n
favou r of fr ee t rad e.
(4) Wor l d T r ad e Or gan i sat i on
an d In tern ation al Mon etary
Fu n d, et c. ar e i n favou r of
protectionism .
(5) Non e of th ese
15. It can b e i n ferred fr om th e last
paragrap h of th e p assage th at
(1) t h er e i s a swi n g of p u b l i c
op i n i on i n fav ou r of fr ee
trade.
(2) ad vocates of fr ee t rad e ar e
gradu ally ou t-nu mbering pro-
tection ists.
(3) Am eri can fr ee trader s are on
decli n e ver y m u ch th an an y
ot h er cou n tries.
(4) m ost of t h e p eop l e i n t h e
cou n tries wh o are ch ampion s
of fr ee t rad e are in favou r of
fr ee t rad e.
(5) Non e of th ese
16. Wh at accordin g to th e passage, is
t h e effect of pr om ot ion of fr ee
tr ade in G-7 cou n t ries?
(1) Con tr ary to wh atever i s d e-
sirable
(2) Sam e as was an t ici pat ed
(3) En cou raging, th ou gh not per -
fectl y as desir ed
(4) Not men tioned in th e passage
(5) Non e of th ese
17. Th e stu dy u n der tak en by Au gu s-
Reid Grou p was wit h a vi ew to
fi n d ou t .....
(1) the implication s of restrictin g
im ports.
(2) th e r esu lt of i n cr ease i n i n -
ter n ation al trade.
(3) vi ewp oin t of p eop l e i n fr ee
tr ade vs. pr otection ism .
(4) h ow p eop l e k n ow d iffer en t
cou n t ries d iffer on econ om ic
i ssu es.
(5) variou s m easu res to im prove
econ om ic situ ation .
18. Wh at, accord in g to th e au th or, is
‘‘am azin g’’as per th e report of th e
stu dy?
(1) Th e t ren d for i n cr ease i n t h e
n u m ber of free tr aders
(2) D ecrease i n t h e n u m b er of
protectionists
(3) Th e i n con cl u si ve fin din gs of
th e su rvey
-332-
 COMPREHENSION TEST
(4) In crease an d d ecr ease i n t h e Di r ect i on s (2 6 -3 5 ) : Read th e fol- (5 ) to u n der play th e oth er m ore
n u m b er s of p r ot ect i on i st s lowin g p assage car efu lly an d an swer im portant issu es
an d free tr ader s r esp ect ively th e qu est ion s given below it . Certain 28. Th e au thor of th e passage th in k s
(5) Non e of th ese words/ ph r ases are pri n ted in bo l d to th at In dia’s plan n in g for n u clear
1 9 . Th e au th or su ggests th e Gover n - h elp you to locate th em wh ile an swer - rearm am en t is—
m en t t o ... in g som e of th e qu est ion s. (1 ) goin g to recei ve a lot of ac-
(1) gi ve a p referen tial t reatm en t (LI C Assi st an t Adm i n i st r at i v e Of f i c er claim
to local i n du stries. (AAO) Ex am . 200 6 ) (2) ap preci ated b y oth er cou n -
(2) al low fr ee trade wit h ou t an y In di a’s n u clear am bition h ad been tr ies wit h few reservation s
rest riction s. th e b on e of con ten tion for a very lon g (3 ) a m atter t h at irr itated m ost
ti m e. It was a set t l ed beli ef i n ou r oth er cou n t ries
(3) ju diciou sly decide th e extents
cou n t ry th at t h e U.S. began to st ess
of pr otecti on an d free t rad e. (4) n ot con si dered as a deter ren t
th e i ssu e of si gn in g t h e CTB T on ly in
(4) m itigate conditions of poverty policy by th e en em i es
m ore recen t rou n d of tal k s wh en t h e
in th e cou n tr y. two cou n t ries h ad com e cl ose to an (5 ) Non e of th ese
(5) Non e of th ese agr eem en t on t h e ot h er issu es, i n - 29. Wh ich of th e followin g con cl u -
Di r ec t i o n s (2 0 -2 2 ) : Ch oose t h e clu din g th e CTB T becau se it is part of sions can be drawn from the con -
word wh ich i s m ost n early th e SAME its som ewh at browbeati n g style of do- ten ts of th e passage ?
i n m ean i n g as t h e wor d / gr ou p of in g b u si n ess. B u t a m om en t’s reflec- (A) In d ia’s p ossessi n g n u cl ear
words pri n ted in bol d as u sed in t h e ti on wou ld sh ow th at th ere cou ld be ar sen al s h as fr i gh t en ed som e
p assage. anoth er explanation . In the aft er m at h cou n t ries.
2 0 . Propagat i on of Pok h r an - I I w h en t em p er s h ad (B ) In dia is n ot relu ctan t to si gn
(1) realisation cooled, th e U.S. was pr edi spo sed to th e CTB T.
(2) dem arcation accep t ou r Prim e M in i ster’s rep eat ed (C) U.S. wan ts In d ia to sign t h e
asser tion s t h at In d ia in t en d ed t o arm CTBT.
(3) formu lation
it sel f wi th n u clear weapon s on ly as a (1 ) On ly A an d B
(4) assimilation deter ren t to n u clear attack or b lack -
(5) dissemination (2 ) On ly B an d C
mail.
2 1 . Cal i br at ed (3 ) On ly A an d C
26. Wh i ch of t h e fol l owi n g st at e-
(1) in flu en ced by sen t im en ts m en ts is FALSE in th e con text (4 ) All t h e th r ee
(2) gau ged with stan dard of th e p assage ? (5 ) Non e of th ese
(3) decided ar bit rari ly (A) On ly becau se of Pok h r an -II 30. Which of th e following in feren ces
t h e U.S. h ad accep t ed In d i an can b e d rawn fr om th e con ten t
(4) based on con jectu r es
Prim e Min ister’s assertion abou t of th e p assage ?
(5) based on im agin ation
In di a’s n u cl ear pol icy. (1 ) M ost of th e issu es d iscu ssed
2 2. M i t i gat i n g
(B ) Th e rou n ds of tal k s wer e b e- between In di a an d U.S. h ave
(1) disgu stin g reach ed con sen su s
in g h eld by at least th r ee cou n -
(2) elevatin g tr ies, th e US b ein g t h e m edi a- (2 ) In d ia wi ll n ot u se n u clear
(3) com prom isin g tor. weap on s in an y situ ation
(4) dilu ting (C) In di an Pr im e M i n i st er h as (3 ) In di a will u se n u clear weap-
(5) regu larisin g assu red t h e worl d t h at it wou ld on s to black m ail th e en em ies
Di r ec t i on s (2 3 -2 5 ) : Ch oose t h e th at it wou ld n ot in itiate n u clear (4 ) B efore Pok h r an -II, tem pers
wor d wh i ch i s m ost OPPOSI T E i n at tack on an y n ation . of t h e ot h er cou n t r i es h ad
m ean i n g to th e wor d p rin ted in bo l d (1 ) On ly A an d C n ot b een cooled down
as u sed in t h e passage. (2 ) On ly A an d B (5 ) Non e of th ese
2 3 . St u pen dou s (3 ) On ly B an d C Di r ect i on s (3 1 -3 5 ) : Ch oose t h e
(1) enorm ou s (2) n egligibles (4 ) All t h e th r ee word wh ich i s m ost n early th e SAM E
(3) tiny (4) m arvellou s (5 ) Non e of th ese in m ean in g as t h e wor d gi ven in bo l d
(5) u n pr eceden ted as u sed in t h e passage.
27. Th e r eal in t en t ion of th e U.S. in
2 4. In t en se brin gin g th e n u clear issu e to th e 31. PREDI SPOSED
(1) fragile fore is m ost p rob abl y— (1) relu ctan t
(2) fierce (1 ) to su ppr ess In d ia’s n u clear (2) u n prep ared
(3) u nchallenging ambition (3 ) r eady
(4) u n scru pu lou s (2) to incu r th e goodwill of In dia’s (4) h esitan t
(5) ex tr em e en em y (5 ) i n ter est ed
2 5 . Di r e (3 ) t o d et er In d i a fr om goi n g 32. STRESS
n u clear in a bi g way (1 ) en for ce (2) em p h asise
(1) u rgent (2) dreadfu l
(4 ) to u se i t as a n egotiation tac- (3 ) p ressu ri se (4 ) su ppress
(3) calamitou s (4) omin ou s
tic (5) implemen t
(5) in sign ifican t

I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-333-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310

33. AFT ERM AT H
(1) devastation
(2) dish armon y
(3) poster ity
(4) con sequ en ce
(5) con tem porary
Di r ect i on s (3 4 -3 5 ) : Ch oose t h e
word wh ich is m ost opposi t e in m ean -
in g t o t h e word gi ven in bol d as u sed
in th e passage.
34. AGREEM ENT
(1) dissen sion
(2) h armon y
(3 ) refu sal
(4) misu n derstan din g
(5) differen tial
35. SET T LED
(1) dislocated
(2 ) u n preced en t ed
(3) irrelevan t
(4) stabilised
(5) u nfou n ded
Di r ec t i o n s (3 6 -4 0 ) : Read th e fol-
lowin g p assage an d an swer t h e qu es-
ti on s given below i t.
(Un i t ed I n d i a I n sur an c e Co.
(AAO) Ex am . 1 1.0 3. 200 7 )
It can b e said th at on e of th e m ost
pain fu l cir cu m stan ces of recen t ad-
van ces i n sci en ce i s t h at each on e
m ak es u s k n ow l ess th an we th ou gh t
we d i d . Wh et h er t h e sou l su r vi ves
death was a m at ter as to wh i ch opi n -
ion s m igh t differ, bu t t h at th ere is a
sou l was th ou gh t t o b e i n du bit abl e.
As for t h e b od y, t h e p l ai n m an of
cou rse con si der ed i ts exi sten ce sel f-
eviden t, an d so di d t h e m an of sci-
en ce, bu t th e p h il osoph er was apt to
an alyse it away after on e fash i on or
an oth er, red u ci n g i t u su ally to ideas
in th e m i n d of th e m an wh o h ad t h e
body an d an ybody else wh o h appen ed
to n otice h i m . Th e ph ilosoph er, h ow-
ever, was n ot t ak en ser i ou sl y, an d
scien ce r em ain ed com fortabl y m ateri-
al ist ic, even i n t h e h an ds of qu it e or -
th odox scien tist s.
Th ese fi n e old sim pli cit ies are lost
tod ay. Ph ysicists assu r e u s th at th ere
is n o su ch t h in g as m att er, an d psy-
ch ologist s assu re u s t h at th ere is n o
su ch th in g as m in d. Th is is an u n -
p r eced en t ed occu r r en ce. To b egi n
wi th th e lat ter, som e of th em at tem pt
to redu ce everyth i n g th at seem to be
m en tal act ivi ty to an activity of t h e
body. Th er e are, h owever, variou s di f-
fi cu l ties in th e way of r edu cin g m en -
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
tal acti vity to ph ysi cal activi ty. Wh at
we can say, on th e basis of ph ysi cs
it sel f, i s t h at wh at we h ave h it h er to
called ou r bod y i s reall y an elab orate
scien tific con stru ction n ot correspond-
in g t o an y p h ysical reali ty. Th e m od-
er n wou l d b e m ater ial ist th u s fin ds
h im self in a cu riou s position, for, wh ile
h e m ay with a cert ain degree of su c-
cess red u ce th e activiti es of th e m i n d
to th ose of th e body, h e can n ot ex-
pl ain away t h e fact th at th e bod y i t-
self i s m erely a con ven ien t con cept
in ven ted by th e m in d. We fin d ou r -
selves th u s goin g rou n d an d rou n d in
a circle m in d is an em an ation of body,
an d body is an in ven tion of m in d. Evi-
den tl y t h is can n ot be qu ite ri gh t , an d
we h ave t o l ook for som et h in g th at is
n eith er m in d n or b ody, ou t of wh i ch
both can sp rin g.
Th e p lain m an th in k s th at m at e-
rial objects m u st certain ly exist, sin ce
th ey are evi den t to th e sen ses. Wh at-
ever else m ay b e d ou b ted , it is cer -
tai n th at an yth i n g you can bu m p i n to
m u st be real . Th is is al l very wel l b u t
th e p h ysici st com es alon g an d sh ows
th at you n ever bu m p in to an yth i n g
even wh en you ru n you r h an d alon g a
st on e wall, you do n ot r eal ly t ou ch i t.
Wh en you th i n k you tou ch a t h in g,
th ere ar e certain electr on s an d pr o-
ton s, form ing part of you r body, wh ich
ar e attracted an d r epelled b y certain
electron s an d proton s in th e thin g you
th in k you ar e t ou ch in g, bu t th ere is
n o actu al con tact. Th e elect ron s an d
pr oton s in you r body, becom in g agi-
tated by n earn ess to th e oth er elec-
tr on s an d p rot on s are di stu rbed an d
t r an sm i t a d i st u r b an ce al on g you r
n erves t o t h e brain , th e effect i n t h e
brain is wh at is n ecessary to you r sen -
sation of con t act , an d b y su it abl e ex-
perim en ts, th is sen sation can be made
qu i t e d ecep t i ve. Th e el ect r on s an d
proton s th em selves, h owever, are on ly
cr u de fi rst ap prox im ation s a way of
collecti n g in t o a bu n dle ei th er t rai n s
of waves or th e stati sti cal pr obabil i-
t i es of v ar i ou s d i ffer en t k i n d s of
even ts. Th u s m at ter h as becom e alt o-
geth er t oo gh ostly to be u sed as an
ad equ ate sti ck with wh ich to beat t h e
m i n d. Mat ter in m ot ion , wh ich u sed
to seem so u n qu est ion abl e, t u rn s ou t
to be a con cept qu ite in adequ at e for
th e n eeds of ph ysics.
Neverth eless, m odern scien ce gives
n o indication wh atever of the existence
of the sou l or min d as an en tity; in deed
COMPREHENSION TEST
th e r eason s for d isbelievin g i n i t are
very m u ch of th e sam e k in d as t h e
r eason s for di s-b el i evin g i n m at t er.
Mi n d an d m atter were som eth in g li k e
th e l ion an d th e u n icorn figh tin g for
th e crown ; t h e en d of th e b attl e i s n ot
th e vi ctory of on e or t h e oth er, b u t
t h e d i sc over y t h at b ot h ar e o n l y
heraldic inven tion s. Th e world consists
of even t s, n ot of th i n gs th at en du re
for a l on g t i m e an d h ave ch an gi n g
p rop er t ies. Even ts can be col lected
in to grou ps by th eir cau sal relat ion s.
If th e cau sal r elation s are of on e sor t,
th e r esu ltin g grou p of even t s m ay be
cal l ed a ph ysi cal ob ject , an d if th e
cau sal relat ion s ar e of an ot h er sor t,
th e r esu lti n g grou p m ay be cal led a
min d.
Th u s, bot h m in d an d m atter are
m erel y con ven ien t ways of or gan izi n g
even t s. Th er e can b e n o reason for
su pposin g th at eith er a p iece of m i n d
or a piece of m atter i s i m m ortal . Th e
su n i s su pp osed to be losin g m att er
at th e rate of million s of ton s a m in u te.
Th e m ost essen tial ch aracter ist ic of
m i n d i s m em or y , an d t h er e i s n o
reason wh at ever to su ppose th at t h e
m em or y associ at ed w i t h a gi ven
person su rvi ves th at per son ’s d eat h .
In deed th ere is every reason to th i n k
t h e op posi te, for m em or y is cl earl y
con n ected with a certain k in d of brain
st ru ct u r e, an d si n ce t h is str u ctu r e
decays at d eat h , th er e i s ever y r eason
to su p pose t h at m em ory also m u st
c ea s e. A l t h o u gh m et a p h y s i c a l
m at er i al i sm can n ot b e con si d er ed
t r u e, y et em ot i on al l y t h e w or l d i s
pr ett y m u ch th e sam e as it wou ld be
if th e m ater ial ist s were in th e righ t. I
th in k t h e opp on en t s of m ateri ali sm
h ave al ways b een act u at ed b y t wo
m ain desi res, t h e first t o p rove th at
th e m in d is i m port an t an d th e secon d
to prove th at th e u ltim ate power in th e
u n i v er s e i s m en t a l r a t h er t h a n
p h ysi cal . In b ot h t h ese r esp ect s, I
t h i n k t h e m at er i al i st s wer e i n t h e
righ t.
36. In th e sen ten ce ‘To b egin wi th
th e l att er, som e of t h em ..... lat-
ter’ refers to
(1) ph ysicists (2) m at ter
(3) p sych ologists (4) m in d
37. “B u t t h e Ph i losoph er was apt to
redu ce i t u su ally to .....” Here it
refer s to
(1 ) h is an al ysi s of m an
(2 ) th e h u m an body
-334-

(3 ) t h e m in d of m an
(4 ) id ea in th e m in d.
38. Pl ain m an th in k s t h at m at eri al
ob ject s exist becau se
(1) th ey con stitu te his metaph ys-
ic
(2 ) t h ey ar e r eal in h is th ou gh t
p r ocess
(3) cer t ai n el ect r on s an d p r o-
ton s form th em
(4 ) h e can p erceive th em
39. Psych ologist s m en t ion ed i n t h e
passage
(1 ) b elieve th at m en tal activiti es
get m an i fested in abn orm al
ph ysi cal activities
(2 ) t ry t o equ ate m en tal act ivi ty
to ph ysi cal activity
(3 ) d o n ot accept th e distin cti on
between b ody an d sou l
(4 ) su pport th e ph ysi cist s’s per -
ception of a bod y.
40. Wh ich of th e fol lowin g does t h e
m odern scien ce su pport accord-
in g t o t h e passage?
(1 ) M in d an d m atter are n eces-
sary to organ ise even ts
(2 ) Th e m et aph ysical divisi on of
even t s.
(3 ) Th e discovery of th e equ al ly
im portan t m in d an d m atter
(4 ) Mi n d or sou l does n ot exi st
as an en tit y.
D i r ec t i o n s (4 1 -5 5 ) : Read t h e
f o l l ow i n g p a s s age c a r ef u l l y a n d
an swer t h e qu estion s given b elow i t.
Certain wor ds/ expr ession s are given
in bol d in t h e p assage to h elp you
locat e t h em wh ile an swer in g som e of
th e qu estion s.
(LI C Assi st an t Adm i n i st r at i v e
Of f i c er Ex am . 200 8 )
Ra d i c a l l y c h a n gi n g m o n s o o n
pattern s, r edu cti on i n t h e win ter ri ce
h arvest an d a qu an tu m i n cr ease in
r esp ir at or y d iseases-al l p ar t of t h e
en vi r on m en t al d oom sd ay scen ar i o
wh i ch i s r ep or t ed l y p l ayi n g ou t i n
Sou t h Asi a. Accor d i n g t o a Un i t ed
Nat i on s E n vi r on m en t Pr ogr am m e
r ep o r t , a d ea d l y t h r ee- k m d eep
b l an k et of p ol l u t i on com p r i si n g a
f ea r so m e co c k t a i l of as h , ac i d s ,
aer oso l s a n d o t h er p ar t i cl es h as
en vel op ed t h i s r egi on . For I n d i a,
al r ead y st r u ggl i n g t o cop e wi t h a
dr ou gh t, th e im plicati on s of th i s are
devastat in g an d fu rth er crop failu re
will amou nt to a life and death qu estion
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
for m an y In d i an s. Th e i n cr ease i n
pr em atu r e d eat h s wil l h ave ad ver se
social an d econ om i c con sequ en ces
an d a rise in m o r bi di t i es wi ll place
a n u n b ea r a b l e b u r d en o n o u r
cr u m b lin g h ealt h system . An d th ere
is n o on e to blam e bu t ou rselves. Both
official an d corporate India has always
been al l er gi c t o an y m en t ion of clean
t ech n ol ogy . M ost m ech an i cal t w o
wh eel er s r ol l off t h e assem b ly l i n e
w i t h ou t p r op er p ol l u t i on con t r ol
system . Litt le effort is m ad e for R &
D on sim ple techn ologies, wh ich cou ld
m ak e a vital differen ce to people’s lives
an d th e en vi ron m en t .
However, wh ile th ere is n o den yin g
th at Sou th Asia m u st clean u p its act,
sk ept ics m igh t qu estion t h e tim i n g of
th e h aze r ep or t. Th e J oh an n esb u r g
m eet on Ri o+1 0 i s j u st t wo week s
away an d th e stage i s set for th e u su al
battl e b etween th e devel opi n g wor ld
an d t h e West, p ar t icu l ar ly t h e U.S.
Presi den t M r. B u sh h as ad am an tl y
refu sed to sign an y p rot ocol, wh i ch
wou l d m ean a ch an ge in Am er i can
con su m pti on level. U.N. en vir on m en t
repor t will li k el y to fi n d a p lace i n t h e
U.S. arsen al as it plan ts an accu si n g
fi n ger towar ds con t rol s li k e In d ia an d
Ch in a. Yet th e U.S. can h ar dly den y
it s own du bi ou s r ole in th e m att er of
er a s i n g t r a d i n g q u o t a s . Ri c h er
cou n t ries can sim pl y b u y u p excess
cr ed i t s fr om p oor er cou n t r i es an d
con tin u e to pollu te. Rath er th an try to
get th e bet ter of developin g cou n tri es,
w h o u n d o u b t ed l y h ave t ak en u p
en vir on m en tal sh or tcu ts in t h ei r b id
to catch u p wi th t h e West, th e U.S.
shou ld tak e a look at the environmen tal
pr ofl i gacy , wh ich i s goin g on wi th i n .
Fr om open in g u p virgi n t err itories for
o i l ex p l o r a t i o n t o r el a x i n g t h e
st an d ar d s for d r i n k i n g wat er, M r.
B u s h ’s p o l i c i es a r e n o t ex a c t l y
b en efi ci a l , n ot even t o A m er i ca’s
in ter ests. We r eal ize th at we are all in
t h i s t o get h er a n d t h a t p o l l u t i o n
an ywh ere sh ou l d be a global con cern
oth erwi se on ly b e m or e tu n n els at th e
en d of th e t u n n el.
41. Both offi cial an d cor porate In d ia
is al ler gic to :
(1) fai lu re of m on soon
(2) poverty an d in equ ality
(3 ) s l o w d o w n i n i n d u s t r i a l
produ ction
(4 ) m en tion of cl ean tech n ology
(5 ) cr op failu re
COMPREHENSION TEST
42. Wh ich , accordin g to th e passage,
is a li fe an d death qu estion to
m an y In dian s ?
(1) I n c r ea s e i n r es p i r a t o r y
d iseases
(2 ) Use of clean t ech n ology
(3) Th ick blank et of pollu tion over
th e r egi on
(4 ) Fail u re in crops
(5) Dwin dlin g agricu ltu ral yield
43. If th e rate of p rem atu re d eat h s
in creases i t will :
(1 ) exer t added bu rden on ou r
cru m blin g econ om y.
(2 ) h av e a d v er s e soc i al a n d
econ om ic con sequ en ces.
(3 ) m ak e positive effect on ou r
efforts to con trol pop u lati on .
(4) h ave less job asp iran ts i n th e
soci et y.
(5) h ave h eal th y effect on ou r
econ om y.
44. Ch oose t h e word wh ich is SI M I -
LAR in mean in g of th e word ‘prof-
l i gac y ’as u sed i n t h e passage.
(1 ) wastefu ln ess
(2) con servation
(3) u pliftmen t (4) crit icaln ess
(5) den ou n cem en t
45. Accord in g to th e passage, In d ia
can n ot t olerat e an y fu r th er:
(1 ) cr op failu re
(2 ) d eteriorat ion of h ealth care
system
(3) i n c r ea s e i n r es p i r a t o r y
d iseases
(4) p r o l i f er a t i o n o f n u c l ea r
d evi ces
(5) soci al an d econ om i c con s-
equ en ces
46. Accor d i n g t o th e p assage, t wo
wheeler in du stry is not adequ ate-
ly con cer n ed ab ou t -----
(1) passen ger safety on th e roads
(2) li fe cover i n su r an ce of th e
veh icle own ers
(3) pollu tion control system in the
veh i cl es
(4) rising cost of th e two wheelers
(5) ri sin g cost of th e petrol in th e
cou n try
47. Wh at cou ld be th e reason beh in d
tim in g of th e h aze r eport ju st be-
fore th e J oh an n esb u rg m eet, as
in dicated i n th e p assage ?
(1 ) Un it ed Nat i on s i s wor k i n g
h an d-in -glove with U.S.
-335-

(2) O r ga n i s es s o f t h e f o r t h
com in g meet to teach a lesson
to th e U.S.
(3 ) D r awi n g at t en t i on s of t h e
wor l d t owar d s d evast at i n g
ef f ec t s o f en v i r o n m en t
degradation .
(4 ) U.S. wan t s t o u se i t as a
handle again st th e developing
cou n tr ies in th e forth com i n g
m eet
(5 ) Th e m eet i s a par t of pol itical
agen da of th e U.N.
48. Ch oose t h e word wh ich is SI M I -
LAR in m ean i n g of th e word ‘al -
l er gi c’as u sed i n t h e passage.
(1) lik in g (2) passion ate
(3 ) p ossessi ve (4) cru m blin g
(5) repu gn an t
49. Wh ich of th e followin g is th e i n -
dication of en viron m en tal degra-
dat ion i n Sou t h Asi a ?
(1) Social and economic inequ ality
(2) Cru m blin g health care system
(3 ) In adequ at e p oll u tion con tr ol
system
(4) Overem ph asi s on t ech n ol ogy
(5) Radical ly ch an gin g m on soon
patt ern
50. Wh at m u st we r eal ise, accordi n g
to th e p assage ?
(1 ) No cou n t r y sh ou l d sh ow
s u p er i o r i t y o v er o t h er
cou n t ries.
(2) U.N. is pu ttin g in h ard efforts
in th e d irection of p oll u ti on
con trol.
(3) All cou ntries m u st join h an ds
in figh tin g pollu tion .
(4) Nobody sh ou ld travel th rou gh
t u n n el t o a v o i d h ea l t h
h azards.
(5 ) We all m u st st ri ve h ar d to
increase agricu ltu ral produ c-
tion.
51. Which of th e followin g fin ds place
in th e Un ited Nati on s En viron -
m en t Program m e Repor t?
(1) Ch an gin g m on soon p attern s
(2 ) Su b s t a n t i a l i n c r ea s e i n
respi rat ory diseases
(3 ) A seriou s cover of p oll u ti on
over t h e regi on
(4 ) Red u ct i on i n w i n t er r i ce
h arvest
(5 ) Non e of th ese
52. Which of th e following statements
is NOT T RUE i n th e con t ext of
th e p assage ?
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(1 ) U .N. en vi r on m en t r ep or t
bl am es cou n t ries l ik e In d ia
an d Ch in a
(2 ) D evel op in g cou n t ri es h ave
tak en en vironm en t sh ortcu ts
in th eir bi d to catch u p wi th
th e west.
(3 ) U.S. is also t o b e bl am ed for
en vir on m en t al d egr adat i on
an d pollu tion
(4) In dian s can n ot afford to h ave
an y fu rth er crop failu re
(5 ) U.S. h as t i gh t en ed safet y
stan dar ds for dr in k in g water
53. Accordin g to th e passage, J oh an -
n esb u r g m eet i s goi n g t o wi t -
n ess—
(1 ) c al m a n d d i s p a s si o n at e
t h i n k i n g o n t h e i ss u e o f
pollu tion con trol
(2 ) a b l am i n g gam e b et ween
d evel op ed an d d evel op i n g
cou ntries
(3 ) r efu sal of U.N. t o wor k as
arbitrator
(4 ) U.S. agreein g to look at t h e
i s s u e o f l o w er i n g i t s
consu mption
(5) cou n tries agreein g for h i gh er
m on etary allocation to R & D.
54. Ch oose th e word wh ich is M OST
OPPOSITE in meaning to the word
‘du bi o u s’as u sed in th e passage
? sai d t h ey h ad cu t b ack on “lu x u r y
(1) u n qu estion able
(2) dissim ilar (3) illegal
(4) an tisocial (5) in n ovative
55. Ch oose t h e wor d wh i ch i s t h e
M OST OPPOSI T E in m ean in g to
th e word ‘m or bi di t y ’ as u sed in
th e passage.
(1 ) powerfu ln ess
(2) h ealth in ess (3 ) softn ess
(4) acu ten ess (5) pu r posefu l
Di r ect i on s (5 6–6 5 ) : Read th e fol-
lowin g p assage car efu lly an d an swer
th e qu est ion s given below it . Certain
words h ave been p rin ted in bo l d to
h el p you locate th em wh il e an swer in g
som e of th e qu est ion s.
(New I n di a Assu r an ce AO
Ex am . 2 5. 1 0. 20 09 )
Am on g th ose su ffer in g from t h e
gl obal r ecessi on are m il lion s of wor k -
er s wh o are n ot even in clu ded i n t h e
official stat istics: u rban recyclers -th e
tr ash pick ers, sorters, tr ader s an d r e-
pr ocessor s wh o extr icate pap er, car d-
board and plastics from garbage h eaps
COMPREHENSION TEST
an d p r ep ar e t h em for r eu se. Th ei r
work is bot h u n record ed an d largely
u n recogn i sed , even th ou gh in som e
parts of th e world they h an dle as m u ch
as 20 per cen t of al l wast e.
Th e world ’s 15 m ill ion in form al
r ecy cl er s cl ean u p ci t i es, p r even t
som e trash from en din g i n lan dfill s,
an d t h u s red u ce cl im ate ch an ge by
savin g energy on waste disposal tech -
n iqu es lik e in cin eration . In th e devel-
oped cou n t ries t h ey ar e th e prefer red
on es sin ce t h ey recycl e waste m u ch
m ore cheaply and efficien tly than gov-
er n m en t or p rivate corporati on s can .
In th e d evel opi n g wor ld, on th e ot h -
er h an d, th ey p rovide th e on ly recy-
clin g services excep t for a few big cit-
ies. Bu t as recession h its th e m ark ets
world wid e, t h e pri ce of scrap m etal,
paper an d plastic h as al so fallen . Re-
cyclers th rou gh ou t th e world ar e ex-
perien cin g a sh ar p d rop in in com e.
Tr ash pi ck ers an d scr ap dealer s saw
a declin e of as m u ch as 80 per cen t
i n t h e p r i ce of scr ap fr om Oct ob er
2007 to October 2009. In som e cou n -
tries scrap dealers h ave sh u t t er ed so
qu ick ly t h at resear ch ers at th e Sol id
Waste Man agem en t Association didn’t
h ave a ch an ce t o recor d t h ei r losses.
In D el h i , som e 8 0 p er cen t of
families in the informal recyclin g bu si-
n ess su r veyed b y an or gan i sat i on
food s,” wh i ch th ey d efi n ed as fr u i t,
m ilk an d meat. Abou t 41 per cen t had
stopp ed b u yin g m il k for th eir ch il -
dr en . By th is su m m er, m ost of th ese
c h i l d r en , a l r ea d y m a l n o u r i sh ed ,
h ad n ’t h ad a gl ass of m il k in n in e
m on th s. M an y of th ese ch il dren h ave
al so cu t d own on h ou r s sp en t i n
sch ool t o wor k alon gsi de th eir par -
en ts. Fam ili es h ave l i qu i d at ed t h eir
m ost val u abl e assets -pr im ar ily cop-
p er fr om electr ical wi r es -an d h ave
st opped sen din g rem it tan ces b ack to
th eir ru ral vil lages. Man y h ave al so
sold th ei r em er gen cy stor es of grai n .
T h ei r m i ser y i s n ot as fam i l i ar as
t h at of t h e l ai d-o ff wor k er s of bi g-
n am e bu t i m pl odi n g, ser vi ce sect or
c o r po r at i on s, b u t i t i s oft en m or e
tr agi c.
Few cou ntries have adopted em er -
gen cy m easu r es to h elp tr ash pick -
er s. Brazil, for on e, is provid in g recy-
cl er s, or “cat ad or es,” wi t h ch eap er
food, both th rou gh arran gem en ts with
l ocal far m er s an d b y offer i n g food
su bsi dies. Oth er cou n tri es, wit h t h e
-336-

su pport of n on -govern m en tal or gan i-
zation s an d don or agen cies are follow-
in g B razil’s ex am p le. Un fort u n atel y,
m ost trash pick ers operate ou tside of-
ficial n otice an d end u p fallin g th rou gh
th e cr ack s of p rogram m es lik e t h ese.
In th e lon g ru n , th ou gh , t h ese i n v i si -
bl e wor k er s wi l l r em ai n esp eci al l y
vu l n er ab l e to econ om i c sl owdown s
u n l ess th ey are in t egr ated i n to th e
for m al bu sin ess sector, wh ere th ey can
h ave in su ran ce an d r el i ab le wages.
Th is is n ot h ard to accom pl ish . In for -
m al j u n k sh ops sh ou ld h ave to app ly
for l icen ses, an d govern m en t s sh ou ld
cr eat e or ex pan d d oor step waste col-
lecti on p rogram m es to em p loy trash
p ick er s. In st ead of sor ti n g t h r ou gh
h aph azar d tr ash h eaps an d lan dfill s,
th e p ick ers wou ld h ave access t o t h e
clean er scr ap th at com es from h ou se-
h olds.
Th e n eed of th e h ou r, h owever, is
a more immediate solu tion. An efficient
bu t t em p orary solu tion wou l d b e for
govern m en ts wh ere th ey’d h ave to pay
a sm all su b sid y to waste dealers so
th ey cou ld pu r ch ase scrap from trash
pi ck ers at abou t 20 per cen t above
th e cu rren t price. Th is in crease, if well
advertised an d broadly u tilised, wou ld
b r i n g r ecycl er s a h i gh er p r i ce an d
even t u al ly bri n g t h em back from t h e
br in k . Trash pi ck ers m ak e ou r citi es
h ealt h i er an d m ore li veab l e. We al l
st an d to gain by m ak in g su re th at t h e
work of recyclin g r em ain s su stain able
for years to com e.
56. Wh ich of th e followin g is n ot t r u e
in th e con text of t h e passage ?
(1) Pu rch ase of trash at a h igh er
p r i ce b y t h e gover n m en t i s
on ly a t em p orary sol u ti on to
th e larger p robl em
(2) T h e w el f a r e p r o g r a m m es
start ed by th e govern m en t for
t h e r ecycl er s l ar gel y fai l t o
h elp th em
(3) In th e last cou p le of years th e
pri ce of scrap h as com e d own
to 20 % of i ts ori gin al pri ce
(4) Few cou n t ries h ave started to
tak e steps agai n st th e p ligh t
of th e r ecyclers
(5) Al l ar e tr u e
57. Accord in g to th e passage, wh i ch
of th e foll owin g m easu r es h ave
been tak en t o h elp th e di str essed
r ecycl ers?
(A) Helpi n g th em with th e aid of
NGOs.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(B) Tak i n g st ep s t o m ak e t h e
scrap pi ck ers h ave access to
cl ean er scr ap
(C) Provid i n g food su b si d ies t o
th e r ecyclers
(1) On ly A (2) On ly A an d C
(3) On l y C (4) Only B an d C
(5) Non e of th ese
58. H ow , accor d i n g t o t h e au t h or,
h ave th e recyclers con tribu ted to-
wards savin g th e en vi ron m en t?
(A) By pr even tin g t h e trash b e-
in g du m ped in to th e lan dfil ls
(B) By u sin g ren ewable sou rces
of en ergy to recycle th e scr ap
(C) By h elpi n g to avoi d t h e en er -
gy con su m in g waste d isposal
tech n iqu es
(1 ) On ly A
(2 ) On ly B
(3 ) On ly A an d B
(4 ) On ly A an d C
(5 ) Non e of th ese
59. Wh i ch of th e foll owin g h as n ot
been an effect of th e losses ob-
served i n t h e in form al wast e r e-
cycli n g ?
(1) To h elp th eir families, th e ch il-
d r en of t h e r ecycl er s h ave
started work ing th u s com pro-
m isin g on th eir edu cation
(2) Man y scr ap dealer s h ave di s-
con tin u ed t h eir bu sin esses
(3) T h e gov er n m en t i n m an y
cou n t r i es h as d er ecogn i zed
scrap dealer s i n view of th eir
u n profitable bu sin ess
(4) Gover n m en ts in m an y cou n -
tr ies h ad to tak e em er gen cy
st ep s t o h el p t h e r ecycl er s
deal wit h th e crisis
(5) Non e of th ese
60. Wh at does t h e au t h or m ean by
‘T h ei r m i ser y i s n ot as fam i l i ar
as t h at o f t h e l ai d -of f wo r k er s
of bi g-n am e bu t i m pl odi n g, ser -
v i ce sect or cor por at i on s’as giv-
en in th e p assage ?
(1 ) Th e effect of r ecessi on on t h e
famou s organ ization s is clearly
n oticed wh ereas th e p ligh t of
in for m al recycl ers is n eglect-
ed
(2 ) B ig n am e corporat ion s ar e of-
ten h esit an t to h elp th e rel a-
tively sm aller set-u ps su ch as
th e t h at of th e in for m al recy-
clers
COMPREHENSION TEST
(3) Th e big n am e private recyclers
h ave been gettin g th e govern -
m en t h elp wh ereas th e sm all-
er on es are n ot
(4 ) Th e m isery of t h e in form al r e-
cyclers h as been k ept a se-
cr et by th e gover n m en t
(5 ) Non e of th ese
61. Wh ich of th e followin g is tru e r e-
gardin g waste recyclin g i n th e de-
velop in g cou n tr ies ?
(1 ) Th e govern m en t an d pr ivate
or gan i zat i on s’ ser vi ces ar e
m u ch costli er t h an th e i n for -
m al r ecyclers
(2 ) B arri n g a few cit ies, gover n -
m en t wast e r ecycli n g m ech a-
n i sm i s com pl etely l ack in g in
th ese cou n tri es
(3 ) Th ere h as n ot been an y effort
in th e developin g cou n tries to
h elp th e st ru gglin g r ecyclers
(4 ) Glob al recessi on h as h i t t h e
r ecycl er s of t h e d evel op i n g
cou n t r i es m u ch m or e t h an
th ose of th e d evelop ed cou n -
tries
(5 ) Non e of th ese
62. Wh ich step d oes th e au th or su g-
gest in order to im m ediately brin g
th e waste recyclers back from th e
ad versity ?
(1) En ablin g th e scrap deal ers to
p u r ch ase scr ap at a p r i ce
h i gh er t h an th at of th e m ar -
k et
(2) By ad ver tisin g recycl in g as a
pr ofi tabl e b u si n ess am on gst
th e i n form al r ecyclers
(3 ) B an n in g th e waste collecti on
by in for m al tr ash pi ck ers
(4 ) Su pporti n g th e fam ili es of t h e
recycler s u n til th e r ecessi on
ti des over
(5 ) Non e of th ese
63. Wh ich of th e followin g is in ten d-
ed in th e given p assage ?
(1) To high light the dom ination of
th e b ig-n am e servi ce i n du s-
tr y corp oration s i n t h e scr ap
dealin g bu sin ess
(2) To h i gh ligh t variou s factors
respon sible for th e prevail in g
m alnu trition in ch ildren of th e
in form al recyclers
(3) To su ggest t h e st ep s wh ich
can h elp th e an gu ish ed recy-
clers
-337-

(4) T o ex p l a i n t h e m ea s u r es
wh ich can be tak en in ord er
to m ak e recycl in g m ore en er -
gy efficien t
(5 ) Non e of th ese
64. Wh y, accordin g to th e au th or, are
th e u rban recyclers facin g a sharp
decli n e i n t h ei r b u sin ess ?
(1) Recessi on h as ad ver sel y af-
fect ed t h e p r i ces of scr ap
th u s mak ing it an u nprofitable
bu si n ess
(2 ) M an y govern m en tal an d pr i-
vate organ izat ion s h ave en -
tered th e b u si n ess p rovidi n g
a com paratively better service
(3 ) Th ei r work h as been gradu al-
ly d er ecogn i zed by t h e gov-
ern m en t
(4 ) Recyclin g an d wast e di spos-
in g t ech n iqu es are cost in ef-
fici en t
(5 ) Non e of th ese
65. Wh at m easu r es d oes th e au th or
su ggest to h el p th e i n form al r e-
cyclers i n t h e tim es to com e ?
(1) To en cou rage th em to work in
u n ion wi th th e pr ivate orga-
nizations
(2 ) To p rovide th em su bsidi es in
food an d edu cat ion th r ou gh -
ou t t h ei r b u si n ess career
(3) To record th eir losses precisely
wi th th e resear ch con d u ct ed
by Solid Waste Man agem en t
Associ at i on an d t h en t ak e
ap propriate steps
(4) To in vol ve th em i n t h e orga-
n i zed sector so as t o en ab le
th em to h ave a st abl e i n com e
(5) Non e of th ese
Di r ect i on s (6 6 –6 8 ) : Ch oose th e
word / grou p of words wh ich is m ost
si m il ar i n m ean in g to th e word p rin t-
ed in bol d as u sed in th e passage.
66. LI QUI DAT ED
(1 ) Borrowed (2) Floated
(3) Scru tin ized (4) Stagn ated
(5) Sold
67. CRACK S
(1 ) B reak s (2) Collapse
(3 ) Fractu r es (4) Looph oles
(5) Fragm en ts
68. SH UT T ERED
(1 ) Cover ed (2) Block ed
(3) Closed (4) Con clu ded
(5 ) In ter cept ed
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Di r ect i on s (6 9 –7 0 ) : Ch oose t h e
wor d/ ph r ase wh ich i s m ost op posi t e
in m ean in g to th e word printed in bol d
as u sed in t h e passage.
69. INVI SI BLE
(1) Opaqu e (2) Brigh t
(3) Spotl ess (4) Noticeable
(5) Clear
70. SH ARP
(1) Gradu al (2) Blu n t
(3) Polite (4) Dam p
(5) Poin tless
Di rect i on s (71–75) : Read th e fol-
lowin g p assage an d an swer t h e qu es-
ti on s gi ven after it :
(Or i en t al I n su r an ce AO
Ex am . 0 9. 0 5. 20 10 )
In terri tor ial an i m al s i t m ay be
sai d t h at aggressi on th at or igi n all y
served t h e fu n ction of en su r in g th at
t h e an i m al cou l d com p et e wit h i t s
n eigh bou r in the stru ggle for food h as
now come to serve the fu nction of pu t-
ti n g a d ist an ce b etween itself an d i ts
n ei gh b ou r. Th er e can b e n o d ou b t
th at m an is al so a terri tor ial an im al.
E ven i n ci r cu m st an ces so far r e-
m oved from th e pri m it ive as con tem -
porary Wester n civilization , th e cou n -
tr ysi de is dem arcated by fen ces an d
h edges m an y of wh ich carr y n otices
stati n g th at ‘t respassin g will be pros-
ecu ted’ an d th e ‘en tr y of ou r h ou ses
by u n au t h or ised person s is resen t ed
as m u ch as th e loss of an y proper ty
with wh ich th ey m ay abscon d’.
On a n ation al scale, th e in vasion
of th e h om el an d b y an en em y evok es
a m or e p assi on at el y aggr essi ve r e-
spon se th an d oes a batt le wit h th e
sam e of on territor y wh ich belon gs to
n eit h er.
Li k e oth er an im als m an also r e-
acts bad ly t o over crowdi n g. Th ose of
u s wh o l ive in town s h ave l ear n t to
accom m odate ou r sel ves to som e d e-
gr ee to th e k in d of con gesti on wh i ch
seem s to b e an i n evitable sequ el of
u r ban izati on ; b u t th e closer we are
pack ed th e m ore easi ly resen tfu l of
each oth er do we t en d to becom e. It
i s p r ob ab l y on t h i s accou n t t h at
m an y peop le fin d l ife in cit ies irr itat-
i n g an d ex h au st i n g si n ce t h ey ar e
com p ell ed to con tr ol aggr essive i m -
pu lses wh ich ar ise sol ely as a r esu lt
of over crowdi n g. It i s also p robab le
th at it i s b ecau se of th e wi der spac-
ing between individu als wh ich is u su al
COMPREHENSION TEST
in th e cou n tryside that ru ral folk s are
less ten se, m or e n eigh bou rly an d of-
ten better m an nered th an their u rban
cou n ter parts.
71. Accor d i n g t o t h e p assage, t h e
m ost ob vi o u s d i st i n gu i s h i n g
m ark of a territorial an im al is
(1) st rivin g for food
(2) dislik e of war
(3) in terest i n figh tin g
(4) resen tm en t again st in tr u ders
72. ‘an inevitable sequ el to u rbaniza-
tion’h ere mean s
(1) a fi n al d evel op m en t of t h e
overcrowdin g i n cit ies
(2) an u n avoidable resu l t of t h e
develop m en t of citi es
(3) a n ecessary con clu sion of th e
overcrowdin g i n cit ies
(4) a logical by-pr odu ct of town -
planning
73. Th e writ er su ggests th at city l ife
i s ex h au st i n g b ecau se i t fr e-
qu en tly forces people to
(1) beh ave bad ly toward s oth er
people
(2) ward off wou ld be trespass-
er s
(3) k eep a ggr es si v e u r ges i n
ch eck
(4 ) com pete m ore st ron gly for a
living
74. Accor d i n g t o t h e p assage, t h e
ch ief reason for regardin g a m an
as an an im al is th at h e
(1) can n ot con trol h is aggressive
beh aviou r
(2) beh aves i n a savage fash i on
towards oth ers
(3) has failed to develop as a civi-
lized bein g
(4) sh ares cert ain form s of an i-
m al beh aviou r
75. The m ain pu rpose of the passage
is to
(1) sh ow m od er n m an d i ffer s
from th e prim itive m an
(2) ex p l a i n som e of t h e
beh aviou r of city dwell ers
(3) sh ow th at t own li fe is in fe-
ri or to city li fe
(4) sh ares cert ain form s of an i-
m al beh aviou r
Di r ec t i o n s (7 6 –9 0 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
p r i n t ed i n bo l d t o h el p y ou l ocat e
-338-

t h em wh il e an swer i n g som e of t h e
qu estion .
(Un i t ed I n di a I n su r an ce AO
Ex am . 2 7. 0 3. 20 11 )
Healt h in su r an ce p oli cies were
fi r st In t r od u ced i n 1 9 8 6 at a t i m e
wh en th e In d ian in su ran ce in d u st ry
was n ation al ised. Th e pol ici es on of-
fer were co m pl i cat ed to read an d of-
fer ed l i m i t ed cover. Th er e w er e n o
third party adm in istrators operating in
In dia, an d th ere was n o dir ect settl e-
m en t of clai m s bet ween h ealt h In su r -
er an d h ospi tal . Th ere were th er efore
i ssu es con cern in g claim s ser vi ci n g,
wh ich in vol ved an In su red foll owi n g
cu m bersom e procedu res to get claim s
au t h en t i cat ed and paid. The bu sin ess
was n ot pr ofitable for th e n ation alised
In su r er s, an d n ot p op u l ar wit h th e
pu bli c at large .
Th e origin al ‘Medi claim Pol icy’,
h owever, devel oped an d i n m an y cas-
es h as p rovided t h e base m odel for
th e h ealth care in su ran ce policies th at
were in trodu ced im mediately after Iib-
er ali sat ion of th e gen eral i n su ran ce
sector at th e t u rn of th e m i llen n iu m .
Healt h in su r an ce, h owever, saw
n o sp eci ali st players u n til relat ively
recen tly. Th is is b ecau se th ere was a
general expectation th at the insu ran ce
in du stry regu l ator, t h e IRD A, wou ld
set a smaller capitalisation requ irem ent
for h ealth in su rer s an d/ or am en d t h e
ru les for forei gn equ i ty own ersh ip in
In dian In su r ers in recogn iti on of t h e
fact th at h eal th in su ran ce loss r ati os
were n ot good, an d th erefore fi n di n g
an In dian partn er to in vest 76% in a
h eal t h i n su r er wou l d b e a d iffi cu l t
task . Th e IRDA did n ot, h owever, r e-
lax eith er th e capitalisati on requ ir e-
m en ts or for ei gn in vestm en t s caps.
In iti all y, t h er efore, th e h ealt h i n su r -
an ce m ar k et di d n ot grow as qu ick ly
as m ay h ave been expected.
Growth in policyh older nu mbers,
m or e effect ive th ir d party adm i n ist ra-
ti on an d an effecti ve n et wor k of h os-
pi tal s is ex pected to see th e n u m bers
im p rove. Oth er ch an ges h ave been af-
fect ed t o en cou rage gr owth in t h i s
sect or. Li fe i n su r er s h ave b een al -
lowed t o sell h ealth in su ran ce. In itial-
ly, l ife in su r ers wer e on ly al lowed to
sell cer tai n t ypes of h ealt h covers as
a su p plem en t to a l ife policy. H owev-
er, t h e IRD A h as allowed li fe in su rers
to sell pu re health in su ran ce produ cts
su bj ec t t o pr odu ct specifi c ap prov-
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
als. The standard mediclaim policy h as
u n dergon e several revision s an d m od-
i fi cat i on s. In r ecen t year s, p r i vat e
h eal t h i n su r er s h ave b een offer i n g
fr esh pr odu cts wit h i n cr eased covers
an d su m s in su r ed”. Pr ivate h ospit al
r at es ar e sti l l l ow com p ared t o th e
rates ch arged in more developed cou n -
tr ies, b u t h igh wh en com pared t o av-
er age In dian earn in gs. It i s n o l on ger
u n com m on for In dian em pl oyees to
n ow expect th at h ealt h care wi ll be
part of an em p loym en t pack age. Wi th
th e open in g u p of th e m ark et to pr i-
vat e c o m p et i t i o n , the
claim s process h as becom e m u ch less
cu m b ersom e. Su ppor t for a h ealth in -
su ran ce m ark et h as al so com e fr om
som e l ess ob vi ou s sou r ces. In d i an
st ates h ave started relyi n g on i n su r -
an ce pol icies t o m eet som e of t h ei r l e-
gal obli gat ion s t o pr ovi de h ealth care
to th eir ci tizen s. Th e cen t ral gover n -
m en t h as al so pr oposed th e in trod u c-
ti on of free h eal th care in su r an ce for
th e p oor. Th is plan is m ean t to cover
every poor fam i ly for INR 30 ,00 0 p er
an n u m . Th e cen t ral govern m en t wi ll
pay 7 5% of th e prem iu m , leavin g t h e
rem ai n in g 25 % t o b e covered by state
gover n m en ts. Th e IRDA h as also en -
cou raged Micro-in su ran ce as a m ean s
of ex ten din g th e avai lab ili ty of h eal th
in su ran ce to areas of th e m ark et th at,
geograph ically an d econ om ically, m ay
n ot h ave been at th e forefron t of In -
su rer s’bu si n ess p lan s.
At th e sam e tim e as t h e m ark et
gr ows, t h e IRD A i s st epp in g in to cr e-
at e a m ore con su m er frien dly pl ayi n g
field, particu larly as regards th e treat-
m en t of sen ior ci tizen s; th e oper ati on
of th e pre-existin g diseases exclu sion ,
an d t h e r elu ctan ce of in su rers t o r e-
n ew p olicies wh ere th e cl aim s ex per i-
en ce h as been bad.
Sen ior citi zen s h ad b een com -
pl ain in g abou t th e r el u ct an ce of In -
su rer s to issu e pol ici es to th em , an d
t h e i n cl u si on of d i sad v an t ageo u s
t erm s wh en pol i cies wer e offer ed –
su ch as h eft y in creases in pr em i u m
r at es, ad ded exclu si on s an d con di -
ti on s, et c. In May 200 7, th e IRD A set
u p a com m itt ee on H eal th In su ran ce
for Sen ior Citizens to m ak e recomm en -
dation s. Th e Com m it tee report ed in
Novem ber 200 7 an d m ade th e follow-
in g m ain recom m en d ati on s - Sen i or
Cit izen s sh ou ld h ave som e assu ran ce
th at th eir policies will be ren ewed; th e
In du stry sh ou ld adopt stan dard term s
COMPREHENSION TEST
an d con di tion s, su ch as for th e defi-
n it ion of pr e-exi st in g d iseases. Th e
Com m itt ee also said th at policy word-
in gs sh ou ld be sim pl er for th e lay per -
son to follow, su ggestin g th at u n iform
term i n ol ogy be u sed b y all In su rers
to lessen con fu sion in the pu blic mind.
76. Wh ich of th e followin g is/ are th e
reason / s becau se of wh ich t h e
h ealt h i n su ran ce i n du str y h as
wi tn essed gr owth ?
(A) Th e for m at of th e policy h as
been im provised sin ce i ts i n -
ception .
(B) Organ ization s provide h ealth
in su r an ce cover t o t h ei r em -
pl oyees as par t of t h e rem u -
n erat ion process.
(C) Th e process of settl em en t of
claim s h as becom e less trou -
bl esom e as com p ared t o t h e
ti m e wh en i t was first i n tr o-
du ced.
(1) On ly (B)
(2 ) On ly (A) an d (C)
(3) On ly (C)
(4 ) On ly (B) an d (C)
(5) All (A), (B) an d (C)
77. Wh at step h as t h e Cen tral Gov-
ern m ent tak en in ter m s of in su r -
an ce for th e p oor ?
(1) Th e p oor wi ll h ave access to
free h ealt h car e in su r an ce,
th e p aym en t of prem iu m for
wh ich wil l b e sh ou lder ed by
th e cen tr al an d stat e gover n -
m en t in t h e rat io of 3 : 1 r e-
sp ectivel y.
(2 ) Th e poor p eopl e belon gin g to
a p ar t icu l ar regi on wi l l get
gr ou p h ealth care in su ran ce
cover of INR 3 0 ,0 0 0 / - p er
annu m.
(3 ) Th e poor will be in su red for
a su m of INR 4 5,0 00/ - p er
annum
(4 ) Th e govern m en t h as devised
special health care in su ran ce
policies for th e p oor wh erein
n o prem iu m n eeds to be paid
eith er by the in dividu al or th e
govern m en t.
(5 ) Non e of th ese
78. Which of th e followin g, is/ are th e
reason / s th at h eal th in su ran ce
policies were n ot pop u lar i n t h e
begin n in g ?
(A) Th e p rocess for sett lem en t of
cl aim s was len gth y an d tir e-
som e.
-339-

(B) Th e clau ses in the policy were
very difficu lt to u n d erstan d.
(C) Th ere were n o dir ect claim
settl em en ts wit h t h e h osp i-
tals.
(1) On ly (B)
(2 ) On ly (A) an d (C)
(3) On ly (C)
(4 ) On ly (B) an d (C)
(5) All (A), (B ) an d (C)
79. Wh i ch of t h e fol lowi n g, i s/ ar e
tr u e i n t h e con t ext of th e pas-
sage ?
(A) Private h ospit al fees can be
easil y afforded by th e gen er -
al pu bli c n ow as th eir ear n -
in gs are sign ifican tl y h i gh er.
(B ) M ore people ar e n ow b u yi n g
i n su r an ce p ol ici es as com -
pared to alm ost two decad es
ago.
(C) In su ran ce agen cies i n it ial ly
allowed to in depen den tly sell
l ife in su ran ce poli ci es on l y
can also sell h ealth insu rance
policies in d epen den tly n ow.
(1) On ly (B)
(2 ) On ly (A) an d (C)
(3) On ly (C)
(4) On ly (B) an d (C)
(5) All (A), (B ) an d (C)
80. Wh ich of th e followin g i s p ossi-
bly th e m ost appropriate title for
th e p assage ?
(1 ) Th e In dian Health In su ran ce
I n d u st r y – Th e G r ad u al
Change
(2 ) IRDA an d Its Fu n cti on i n g
(3 ) H eal th In su ran ce Vs Life In -
su ran ce
(4) Challenges Faced by the IRDA
(5 ) Th e D own fal l of t h e H eal th
In su r an ce In du stry in In d ia
81. Wh at was th e pligh t of senior cit-
izen s wi th respect to bu yin g i n -
su r an ce cover p r i or t o IRD A
in terven tion ?
(A) In su r an ce agen cies wer e u n -
w i l l i n g t o sel l p ol i ci es t o
them .
(B ) Clau ses disadvan t ageou s to
sen ior citi zen s were in clu d-
ed in th e p oli cies.
(C) Th ey h ad to pay h i gh er pr e-
miu ms.
(1 ) On ly (A) an d (C)
(2 ) On ly (A) an d (B)
(3) On ly (A)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
COMPREHENSION TEST
(4 ) On ly (B) an d (C) Di r ect i on s (8 8 –9 0 ) : Ch oose th e
(5) All (A), (B) an d (C) word/ grou p of word s wh ich is m o st
82. Wh ich of th e followin g ar e t h e o pp o si t e in m ean i n g t o t h e w or d /
recommendations of the Comm it- gr ou p of word s pr in t ed in bo l d as
tee on Healt h In su r an ce for Se- u sed in th e passage.
n ior Citizen s ? 88. HEFTY
(A) St an d ard ize wor din gs i n t h e (1) th in (2) u n iform
policy so as to avoid an y m is- (3) sm all (4) bu lk y
in terpretation . (5) fragile
(B) Sim plify lan gu age of t h e p ol- 89. RELUCT ANCE
icy so t h at th e com m on m an (1) inten sity (2) u n willingness
can u n derstan d.
(3) fan aticism (4 ) k een n ess
(C) Policies of sen ior citizen s may
(5) devotion
n ot be ren ewed.
90. DI SADVANTAGEOUS
(1 ) On ly (A) an d (C)
(1) detrim en tal (2) ben eficial
(2 ) On ly (A) an d (B)
(3) health y (4) m on etary
(3) On ly (A)
(5) h ealin g
(4 ) On ly (B) an d (C)
Di r ect i on s (9 1 –9 9 ) : Read th e
(5) All (A), (B ) an d (C)
passage an d an swer th e qu est ion s :
83. Wh i ch of th e fol lowi n g i s n o t
t r u e i n t h e con t ext of th e pas- Th e l ast on e in th is lon g pr oces-
sage ? si on of silen t m en an d wom en was a
(1) Th e gen eral pu blic n ow h as a li ttl e wizen ed old m an . Even h e car -
gr eat er ch oi ce in sel ecti on of ri ed a l oad of two bask ets, slu n g on
h eal t h i n su r an ce p r od u ct s a pole on h is sh ou lder, th e sam e load
si n ce it s in cep tion . of a fol d ed qu i l t , a cau l d r on . B u t
th ere was on ly on e cau ld ron . In t h e
(2 ) Th e n u m b er of p rivate play-
ot h er b ask et i t seem ed th er e was a
er s i n th e i n su ran ce i n du s-
qu ilt , extr em ely r agged an d patch ed
tr y h as gon e u p si n ce 19 86
bu t clean still. Alth ou gh the load was
(3 ) Th e IRD A’s plan of m icr o-i n -
l i gh t , i t was t oo m u ch for t h e ol d
su r an ce i s for p eop l e wh o
m an . It w as evi d en t t h at i n u su al
can easily afford in su r an ce
ti m es h e wou ld be beyon d th e age of
cover
work an d was perh aps u n accu stomed
(4) Th e bu sin ess of i n su ran ce to su ch labou r in recen t years. H is
was i n iti all y n ot ver y pr ofi t- breath whistled as h e staggered alon g
able.
an d h e st r ai n ed h i s eyes t o wat ch
(5 ) All are tr u e th ose wh o wer e ah ead, of h im lest h e
Di r ect i on s (8 4 –8 7 ) : Ch oose th e be left beh i n d, an d h is old wri n k l ed
word/ grou p of word s wh ich is m o st face was set i n as sort of gaspin g ag-
si m i lar in m eaning to th e word/ group ony.
of wor ds pri n ted in bol d as u sed in Su dden ly h e cou ld go n o m or e.
th e passage. He set h is b u r den down wit h gr eat
84. AFFECT ED gen t l en es s a n d s a n k u p o n t h e
(1) h am pered (2) brou ght abou t gr ou n d, h is h ead su n k bet ween h is
(3 ) con cern ed (4) trou bled k n ees, h is eyes cl osed, pan t in g des-
perat ely. St arved as h e was, a l itt le
(5 ) ask ed for
b l ood r ose i n d ar k p at ch es on h i s
85. SUBJ ECT T O
ch eek s. A ven dor sell in g h ot n oodl es
(1) con ditional on
set h is stan d n ear, an d sh ou ted h is
(2 ) m atter for (3 ) issu e to trade cry, an d th e light from th e stan d
(4 ) topic of (5) qu estion on fel l on th e ol d m an ’s dr oopin g figu re.
86. AUT H ENT I CAT ED A m an passing stopped an d mu ttered,
(1) fal sifi ed (2 ) real look ed at h i m . ‘I swear 1 can gi ve n o
(3) ver ified (4) gen u in e m ore th i s day i f I am to feed m y own
(5 ) fak ed even n oth in g bu t n oodl es— bu t h ere
is th is old m an . He brou gh t ou t of h is
87. COMPLI CAT ED
ragged girdl e a bi t of silver coin , an d
(1) k n otty (2) invisible
after a m om en t’s h esitation an d m u t-
(3) gibber ish (4) com plex terin g, h e added t o i t a cop per pen -
(5 ) d en se n y.
-340-

‘Th er e, old fath er ’, h e sai d with a
sort of bit ter h earti n ess, ‘let m e see
you eat n ood les.’ Th e ol d m an l ift ed
h i s h ead slowly. He said: ‘Sir, I d id
n ot b eg of you . Sir, we h ave good lan d
an d we h ave n ever been starvin g li k e
th is before, h avin g su ch good lan d.
Bu t t h is year t h e river rose an d m en
st ar ve even on good l an d at su ch
ti m es. Sir, we n ow, h ave n o seed left.
We h ave eaten ou r seed.’‘Tak e it’, said
th e m an , an d h e dr opp ed t h e m on ey
in to th e old m an ’s ap ron an d wen t on
h i s way, sigh in g.
Th e ven dor p repared h i s bowl of
n oodles an d called ou t. ‘How m any will
you eat, old m an ?’Th e old m an sai d,
‘On e sm all bowl is en ou gh ’
Th en th e ol d m an r ose wi th great
effor t an d t ook th e b owl bet ween h is
sh ak i n g h an d an d h e wen t to th e ot h -
er bask et. H e p u ll ed asi de t h e qu i lt
u n t il on e cou ld see t h e sh ru n k en face
of a sm all b oy lyi n g wit h h is eyes fast
cl osed . Th e old m an l ifted h is h ead so
th at h is m ou th cou ld tou ch th e ed ge
of th e l ittl e b owl , h e b egan to swall ow
feebl y u n til th e h ot m ixt u re was fi n -
ish ed . Th e old m an k ept m u rm u ri n g
to h im “Th er e m y h ear t ........th er e,
m y ch il d....’‘You r gran dson ?’Said th e
ven dor. ‘Yes, t h e son of m y on ly son .
B o t h m y s o n a n d h i s w i f e w er e
dr own ed as t h ey wor k ed on ou r lan d
wh en ou r dik es brok e.’‘Bu t you h ave
th e silver bi t!’ cr ied th e ven dor, as-
ton ish ed to see th at th e old m an or -
dered on m ore. Th e ol d m an sh ook
h i s h ead. ‘Th at is for seed’‘Th e b est I
can d o for th i s gr an d son of m i n e to
bu y a little seed for th e lan d .........Yea,
even , I d ie an d oth ers m u st plan t i t,
th e l an d m u st b e p u t to seed ’.
(Gen er al I n su r an ce Cor p or at i on
AAO Ex am . 1 1. 12. 201 1 )
91. Mean in g of Cau ldron
(1) Narrow n eck ed ear th en p ot
(2) Lar ge k et t l e for b oi l i n g or
h eating liqu id
(3) Metal lic pot for carr yin g wa-
ter
(4) Metal lic box to carry cl oth es
92. Th e b ack grou n d of th e ep isode
is
(1) Fran ce (2) New York
(3) China (4) Englan d
93. Mean in g of stagger
(1) To reel from side to si de
(2) To walk u n stead ily
(3) To ben d th e body
(4) Non e of t h e above
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
94. Th e p asser by was :
(1) Very ri ch
(2) Not qu ite rich
(3) Very poor
(4) Un k ind
95. Th e ol d m an ‘str ain ed h is eyes’
becau se :
(1) H e was afr ai d of b ei n g l eft
behind
(2) It was gett in g dark
(3) Hi s eye sigh t was very poor
(4) It was too h ot
96. Th e m en an d wom en in th e pr o-
cessi on wer e silen t becau se :
(1) Th ey car ried m u ch loads
(2) Th ey wer e b u sy walk i n g
(3) Th ey were tir ed
(4) Th ey wer e fr igh ten ed
97. Th e old m an h esitated to tak e
th e silver coin becau se
(1) He di d n ot u n d erstan d wh y
th e m an was giving him a coin
(2) He was su rp rised
(3) It was b el ow h is d ign i ty t o
tak e al m s
(4) He h ad en ou gh m on ey
98. Mean in g of pan t in g
(1) Dizziness
(2) Slow breath in g
(3) Rapid breath in g
(4) Lay d own str aigh t
99. Fin d th e m is-m at ch .
(1) u n accu stom ed– n ot u sed to
(2) agon y–hu n gry
(3) desperately–wit h ou t both er -
in g abou t an yth in g
(4) droopin g–ben t
Di r ec t i o n s (1 0 0 –1 0 4 ) : Read t h e
fol l owi n g p assage an d an swer t h e
qu est ion s given after i t.
(Or i en t al I n su r an ce Com pan y
Ex am . 0 8 . 0 4 . 2 0 1 2 )
Th rou gh ou t t h e ext en sive areas
of th e tr opi cs th e tal l an d stately pr i-
m eval for est h as gi ven , way to erod ed
lan d, scru b , an d t h e ju m ble of sec-
on dar y growth . J u st as t h e vir gin for -
est s of Eu r op e an d Nor t h Am er i ca
were lai d low b y m an ’s i m provid en ce,
so th ose of th e tr opi cs are n ow van -
ish in g - on l y th eir d estru ction m ay be
en com p assed in decades in st ead of
cen t u ries. A few au t h orities h old t h at,
ex cept for govern m en t r eserves, t h e
earth ’s great r ain forest m ay van i sh
within a generation . The econ omic loss
wi ll be i n calcu labl e, for th e pr im ary
COMPREHENSION TEST
rain forests ar e ri ch sou rces of ti m -
ber (m ah ogan y, teak ) an d su ch b y-
pr odu cts as resin s, gu m s, cellu lose,
cam ph or an d rattan s. No on e, in deed,
can com p u te th eir resou r ces, for t h e
thou san ds of species th at com pose th e
forest cover, there are on ly a few whose
ph ysical an d chem ical properties h ave
been stu died with a view to com m er -
ci al u se.
Most im portan t of all, th e prim e-
val r ain for est is a r eservoir of speci-
m en s, a dyn am i c cen tr e of evol u ti on
wh en ce t h e r est of th e world ’s plan t
li fe h as been con t in u ou sly en r ich ed
wi th n ew form s. Th ese ex ten sive r e-
serves m u st be defen d ed from th e ac-
qu isitive h an d of m an , wh ose ru th less
axe wou l d exp ose t h em t o th e ravages
of su n an d rai n .
100. Accor di n g t o t h e p assage, th e
pri m ary reason for con servat ion
of th e gr eat rain for ests is th at
th ey are
(1) th e ch ief sou rce of i n com e of
govern m en ts.
(2) areas of botan ical evolu -tion .
(3) m ajor sou rces of m aterials for
ch em ical i n du str ies.
(4) n ot r ead y for m an ’s ru t h less
axe.
101. The word ‘prim eval’in paragraph
two m ean s
(1) fi rst in im por tan ce
(2) com m ercial
(3) gorgeou s
(4) u n tou ched
102. Th e i deas of th e au th or wou ld
pr obably b e t h e m ost str on gly
su ppor ted by
(1) l u m b er com pan y rep resen -
tatives
(2) con ser vat i on i st s an d b ot a-
nists
(3) ch em ical m an u factu rers
(4) gover n m en t repr esen tatives
103. According to th e passage, th e re-
su lt of ch op pin g down th e trop-
ical rai n forest is
(1) an i n cr ease i n gover n m en t
r eser ves.
(2) a su r ge i n p lan t evolu tion .
(3) dam age t o t h e soi l.
(4) a decr ease of com m erci al ex-
ploitation.
104. ‘On ly th eir destru cti on m ay be
en com passed in decades in stead
of cen tu ries’m ean s t h at th e d e-
st ru ction of forests
-341-

(1) wi ll tak e on ly a few decades.
(2) wi ll h ap pen in th is cen tu r y.
(3) wi ll b e su rel y by t h e n ex t
cen t u r y.
(4) wi ll tak e p lace i n a decad e.
Di r ec t i on s (1 0 5 –1 1 4 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Certain word s h ave been p rin t ed in
bo l d to h elp you locate t h em wh i le
an swerin g som e of th e qu est ion s.
(L I C Assi st an t Ad m i n i st r at i v e Of f i c er
(AAO) Ex am . 1 2.0 5. 201 3)
Givin g loans to im poverish ed wom-
en to m ak e ceram ics or t o farm ers to
bu y m ilk cows were n ot seen as great
bu sin ess. Microfin an ce was an in du s-
tr y ch am pion ed by an t ipovert y acti v-
ists. Today it is on th e v er ge of a rev-
ol u ti on , wi th bil lion s of d oll ars fr om
big ban k s, p rivate – equ it y sh ops an d
p en si on fu n d s p ou r i n g i n , d r i vi n g
growth of 30% to 40% t h is year alon e.
In 1998, a n on -profit m icrofin an ce or -
ganisation in Peru , converted into bank
(call ed Mib an co). Th i s d em on st rat ed
th at th e poor are good r isk s wh o r e-
pay l oan s on ti m e an d get tin g th em
toget h er, n ot on ly ch i ps away at pov-
er ty bu t al so tu r n s a pr ofi t. Th e su c-
cess of M iban co h as pi qu ed t h e i n -
terest of comm ercial bank s, wh ich had
p r evi ou sl y sh u n n ed t h e cou n t r y’s
poor. Now b ig ban k s are goi n g aft er
Mi ban co’s cl ien ts with low-r ate loan s
an d r eali sin g i t tak es sp eci al k n ow –
h ow t o work wi th t h e u n b an k ed – are
h i rin g away Mi ban co’s staff.
Bu t wi th th e em ergen ce of play-
er s wh o are on l y ou t for pr ofit , m icr o-
fi n an ce sch em es cou ld en d u p m il k -
in g th e p oor. Th is cou l d h ap pen in
cou n t ries wh er e len ders don ’t h ave
t o d i scl ose i n t er est r at es. Wh en a
Mexican m icrofin an cier wen t pu bli c,
revealin g it s l oan s h ad rates of abou t
86% an n u ally, th e Con su ltative Grou p
to Assist th e Poor (CGAP) criti cised it
for p u tt in g sh areh old ers ah ead of cl i-
en ts. Th e pressu re of tu rn a profit also
forces m icrofin an ci ers to ch an ge t h eir
bu sin ess m od els in ways t h at depar t
fr om th e in d u st ry’s core m ission : to
h el p p oor p eop l e l ead b et t er l i ves.
Su ch sh i fts h ave cau sed th e average
loan size to tr iple. M oreover sm all er
loan s bein g costli er to ser vice, a low-
er percen tage of loan s go to wom en
becau se t h ey ten d t o t ak e ou t sm all er
su m s. Accord in g to CGAP, wit h t h e
fl ood of n ew large en t iti es th ere i s t h e
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
ri sk th at a large per cen tage of cross-
border fu n ds go to Latin Am erica an d
eastern Eu rope, th e worl d’s m ost d e-
velop ed m icr ofi n an ce m ark ets. “Th e
poorest of t h e wor ld’s p oor, wh o are
pr edom in an tl y i n Asia an d Africa get
left ou t,” says th e CEO of t h e n on -
p r ofi t Gr am een Fou n d at i on , wh i ch
h el ps d evel op m icr ofin an ce i n sti tu -
tions.
Segm en tin g th e in du stry, m igh t be
worth wh ile if it allows m ore of the poor
to get access to cred it. Mu lti n at ion al
corporation s cou ld tak e th e top m icro-
fi n an ce in st itu tion s to th e n ex t l evel,
an d t h e r em ain d er cou l d b e th e r e-
spon si b i li t y of d evel op m en t gr ou p s
an d regi on al ban k s. Yet m ak i n g loan s
t o p oor p eop l e i s h ar d l y a p over t y
cu re. Proper ty righ ts an d th e ru le of
law m at ter too. On e can n ot over ideal-
ize wh at m i crofin an ce al on e can d o.
Most n on profits st art ed with len di n g
si m pl y b ecau se local laws pr oh i bit ed
n on ban k s fr om offer in g deposi t ac-
cou n t s. With an in crease in com pet i-
ti on an d m ar k et in g effort s, poverty –
all eviat ion ex perts are con cer n ed t h at
peopl e wi ll be talk ed in t o l oan s th ey
wou ld n ’t oth erwise wan t, For exam -
pl e, organ isat ion s l ik e Mi ban co ar e
pr ovidi n g con su m er l oan s. Th er e is
n oth i n g wron g with bu yin g TVs an d
m i cr owaves on cr ed i t , b u t cer t ai n
m ark ets, lik e Mexico, h ave been flood-
ed wi th l oan s t h at h ave n oth in g to do
wi th providi n g cap ital to aspi r i n g en -
tr epr en eu rs — j u st in creasin g h ou se-
h old deb t.
105. Wh at does th e tran sform ation of
Per u ’s n on -pr ofi t or gan i sat ion
in to ban k illu strate?
(1) To com pete with com m ercial
ban k s, m icrofin ance in stitu -
t i on s sh ou l d con ver t i n t o
ban k s an d offer a wi de var i-
et y of services.
(2) M i cr ofi n an ce i n st i t u t i on s
tu rn h igh er pr ofit s as ban k s
si n ce in t erest r ates on loan s
ar e at th eir di scretion .
(3) Th e poor prefer to go to large
ban k s rath er t h an NGOs to
obtain loan s.
(1 ) Non e
(2) Both (A) an d (B)
(3) All (A), (B ) an d (C)
(4 ) On ly A (5 ) Non e of th ese
106. Wh y d id m ost m i crofin an ce i n -
st itu tion s i n it ial ly provide on ly
cr edi t services?
COMPREHENSION TEST
(1) Th ey were u n ab le to com pete
with th e in terest rates offered
on deposit s b y com m ercial
ban k s.
(2) Th ey h ave to op erate p u rely
on a n on -pr ofi t b asi s.
(3) Govern m en t restriction s pre-
ven t ed t h em fr om offer i n g
ad diti on al ser vices.
(4) To en su re th e p oor h ave ac-
cess t o m oder n n ecessi t ies
li k e m icrowaves.
(5) Non e of th ese
107. Wh at was th e im pact of th e n on
di scl osu r e of t h eir in ter est rat es
by len din g in stitu tion s ?
(1) Th e governm ent issu ed san c-
ti on s again st su ch firm s.
(2) Sh areh older’s in terests were
n ot p rot ect ed
(3) More m icrofin an ce in st it u -
ti on s were m oti vat ed to go
pu blic.
(4) Th e poor were expl oit ed
(5) Non e of th ese
108. Wh at is CGAP’s fear with respect
to n ew en ti ties pr ovi din g m icr o-
fi n an ce ?
(1) NGO will be u n able to su r -
vive in an en vironm en t of cu t
th roat com petition
(2) Th e poor will h esitate to tak e
ad van tage of cr edi t facil iti es
becau se of the form alities in -
vol ved .
(3) Th e p oor i n t h e d eveloped
world wil l b e overl ook ed
(4) Th e i n terests of th e m ost de-
servi n g am on g t h e poor wi ll
be n eglected.
(5) Sh areh olders in terest will be
ign ored
109. Wh at i s t h e au t h or ’s op i n i on
ab ou t th e com petit ion for cu s-
tom ers am on g m i crofi n an ciers?
(1) It ben efits th e p oor by pr o-
vi d i n g t h em w i t h l oa n s
wou l d h ave ot h er wi se n ot
h ad access t o.
(2) It i s fu t il e sin ce t h e p oor
h ave to pay h igh r ates of i n -
terest on p rop ert y l oan s.
(3) I t i s n ot b en efi ci al si n ce
fi rm s waste th eir pr ofi ts on
m ark et in g rath er th an h el p-
in g t h e poor.
(4) It i s a d i sad van t age si n ce
m i c r o f i n an ci er s u s e an y
m ean s p ossi b l e t o r ecover
loan s.
(5) Non e of th ese
-342-

Di r ec t i on s (1 1 0 –1 1 2 ) : Ch oose Pollu tion is one m ore threat to th e
th e word wh ich is m o st si m i l ar i n en vi r on m en t an d for t h e cou n t r y’s
m ean i n g to th e wor d p rin ted in bo l d pr ospects. Th is h as been ex per ien ced
as u sed in t h e passage. m or e in u rb an ar eas m ain l y in m et ro-
110. Depar t polit an cit ies. Th e water p oll u ti on by
(1) absen t (2) retir em en t th e sewage seep age in t o t h e grou n d
water an d im prop er m ain ten an ce wi ll
(3) divide (4) expire
lead to variou s diseases wh ich in tu rn
(5) vary
will affect th e n ext gen eration . In m ost
111. Pi qued of th e ci ties t h ere is n o pr oper sew-
(1) pr ovok ed (2) irritated age d isp osal. Th e Govern m en t h as to
(3) distu rb (4) offen ded tak e effecti ve steps to con trol popu l a-
(5) fasci n ated ti on wh i ch , in tu rn , wil l m in i m ize t h e
112. Verge pollu tion.
Pov er t y qu est i o n s t h e en t i r e
(1) ten d (2) cr ossroad
st ren gth of In dia’s p oli tical view an d
(3) ascen t (4) slope
m in im izes th e en ergeti c way of ap -
(5) th resh old
pr oach . Th e sh ortfall of rai n s, en or -
Di r ect i on s (1 1 3 –1 1 4 ) : Ch oose m ou s fl ood s, u n ex p ect ed fam i n e,
th e word wh ich is m ost OPPOSI T E dr ou gh t, ear th qu ak e an d t h e r ecen t
in m ean in g to th e word printed in bol d tsu n am i h it th e cou n tr y i n a n egati ve
as u sed in t h e passage. way. Th e pr oactive ap proach th rou gh
113. Aspi r i n g effective research an d an alytical stu dy
(1) u n in terested h elps u s to det erm in e th e effects in
(2) u ngratefu l advan ce. Pr oper all ocat ion of fu n ds is
(3) anxiou s a prer equ i si t e. In developed cou ntries
lik e. U.S., J apan p recau tion ary m eth -
(4) m iserable
ods are adopted to over com e th i s, b u t
(5) frau du len t
it h as t o be im proved a lot in ou r sys-
114. Core tem s.
(1) clear (2) u n n ecessary In creased popu lation is on e of th e
(3) cru st (4 ) b esi de m aj or r eason s for p over t y an d t h e
(5) u n coordin ated Governm en t is u nable to allocate fu n ds
Di r ec t i o n s (1 1 5 –1 2 4 ) : Read t h e for b asic n eeds to th e society. In d ia
foll owi n g p assage car efu ll y an d an - h as n ear ly 4 00 m il lion p eopl e l ivi n g
swer t h e qu est i on s gi ven b el ow i t . b elow t h e p over t y li n e an d 9 0 % of
Cer t ai n wor d s/ p h r ases h ave b een active p opu lat ion is in in form al econ -
prin ted in bold to help you locate them om y. Th e ch i ldr en are forced to work
wh i l e an sweri n g som e of t h e qu es- du e t o th eir povert y an d differen ti al
tions. caste system . Th ey work in m atch i n -
(Un i t ed I n di a I n sur an ce AO
du str y for d ail y wages, as servan t s,
Ex am . 2 6. 0 5. 20 13 ) m ech an ics, ston e b reak er s, agr icu l-
tu ral work er s, etc. To p reven t ch i ld
Th ere ar e vari ou s sector s i n In -
labou r, ex istin g laws wh ich favou r th e
di a t h at are to be assessed for th eir
An ti Ch i ld Lab ou r Act sh ou l d b e i m -
str en gt h s, weak n esses, op port u n it ies
pl em en ted by th e Gover n m en t vigor -
an d th reat s.
ou sly.
Th e total popu l ation is over 1 b il-
Mor e pop u lati on resu lts in ch eap
lion wh ich will in crease to 1.46 billion
cost by vir tu e of th e dem an d su pp ly
b y 20 3 5 t o cr oss Ch i n a. Th e h u ge
con cept . Most of th e forei gn cou n tr ies
popu lation will resu lt in h igh er u n em -
tr y t o u tili ze th i s fact or by ou tsou r c-
ploym en t an d deteri oration of qu ality.
in g th ei r bu sin ess in In dia wit h a very
Li teracy, in In d ia i s yet an oth er fact or
low capit al. Accord in g to U.S., In d ia
to be discu ssed . Accor din g to 19 91
is a “Kn owledge pool” wi th ch eap l a-
cen su s, 64.8% of t h e pop u lation was
bou r. Th e m ajor advan tage is ou r com -
il lit erate. Th e m ajor down t ren d of ed-
m u n icati on an d tech n i cal sk i ll wh i ch
u cati on is d u e to ch i ld labou r wh i ch
is ad apt able to an y en vi ron m en t . Th e
h as sp r ead al l over In d i a an d t h i s
cu tti n g edge sk ill in IT of ou r pr ofes-
sh ou ld b e totally eradicated b y way of
sion als h el ps th e ou tsou r cin g com pa-
su r v ei l l an ce an d a good edu cat ion al
n ies to com m en su rat e with th e needs
system im plem en ted proper ly b y t h e
of th e con su m ers in a sh ort span . Th e
Govern m en t.
m ajor com p etitor s for In dia are Ch in a
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
COMPREHENSION TEST
an d Ph il ippi n es an d b y t h e way of an
effecti ve com m u n i cat ion an d ex pert
tech n ical abil ity, In dian s are ah ead of
th e race. Th e major Metropolitan states
are targetin g th e ou tsou rcin g field vig-
orou sly by givin g variou s am en i ties to
th e ou tsou r ci n g com pan i es li k e t ax
con cession, allottin g lan d etc., to start
th eir bu sin esses in i ts cit ies wi th ou t
an y h u r d l es. Th er eb y m ost of t h e
MNCs prefer In dia as th eir destin a-
ti on s an d capit alize t h e resou rces to
m axim ize th eir assets. In frastru ctu re
is an oth er k ey factor for an ou tsou r c-
in g com p an y to start a b u sin ess in a
parti cu lar city. It in clu des road, rai l,
ports, power an d water. Th e in creased
in pu t in in frastru ct u re in In dia is very
li m ited wh er e Ch in a’s record is excel-
len t.
In dia in ear lier days gave m ore
im por tan ce t o t h e developm en t of i n -
du str y an d less im por tan ce to oth er
d ep ar tm en ts. Bu t th e scen ar i o h as
qu ite ch an ged n ow-a-days by al locat-
in g a special b u dget of fu n d s for se-
cu rit y. Th i s i s b ecau se of th e fr igh t-
en in g i n crease in t errorism all arou n d
th e world especially emergin g after th e
9/ 11 ter ror at tack in U.S. In th e last
ten year s, b u dget toward s th e d evel-
opm en t of m i l it ary for ces is h i gh er
wh en com p ared to ot h ers. It sh ows
th at th e th reat from ou r n eigh bou rin g
cou n t ries is escalatin g. In d ia h as to
con cen trate m ore on th is secu rity fac-
tor to wip e ou t th e pr oblem in th e way
of cr oss-border terrorism .
Mak in g In dia, a developed cou n -
tr y i n 2 020 is n ot an easy task . In d ia
h as t o k eep in ch eck a vari ety of fac-
tors in order t o pr ogr ess rapidl y. To
qu ote China as an example is th at they
dem ol ish ed an old bu ild in g to con -
st ru ct a ver y b ig p ort to m eet fu tu re
dem an d s, b u t In dia is sti ll waiti n g for
th in gs t o h appen . Th e pr ofit s gain ed
by In dia th r ou gh vari ou s sector s are
to be sp en t for th e d evelop m en t an d
welfare of th e cou n tr y. In d ia’s visi on
for a br igh ter path will com e tru e n ot
on ly b y m ere wor ds or sp eech , bu t
extra effort n eeded at all levels to over -
com e t h e pit fall s.
115. Wh ich of th e fol lowin g, accor d-
i n g t o t h e au t h or, i s/ ar e a
resu lt(s) of in creased popu lation
in In dia ?
(A) Pollu tion (B) Povert y
(C) Unem ploym en t
(1) On ly (A)
-343-

(2) On ly (A) an d (B)
(3) On ly (B)
(4) On ly (A) an d (C)
(5) All (A), (B) an d (C)
116. Wh y, accor di n g to t h e au t h or,
h as t h e In d ian Govern m en t al-
lotted m ore fu n d s t o stren gth en
th e m ili tary forces ?
(1) To im prove secu ri ty in ord er
to cou n t er in cr easin g terror -
ism
(2) As th e secu rity in In dia over
th e past ten year s was gross-
ly in adequ ate
(3) As th e U.S. t oo h as str en gt h -
en ed its m il itary for ces aft er
th e 9/ 11 attack
(4) As th e i n du str y i s d evelop ed
en ou gh an d is n ot in n eed of
an y m ore fu n ds
(5) Non e of th ese
117. Wh at is th e au th or’s m ain objec-
ti ve in wri tin g th is passage ?
(1) To exh ort th e Govern m en t to
garner su pport from its n eigh-
bou rin g cou n tries
(2) To su ggest t o t h e Gover n -
m en t to follow Ch in a’s exam -
pl e b lin dly th ereby bri n gi n g
abou t rapid develop m en t
(3) To h i gh li gh t th e p ligh t of t h e
poor
(4) To di scu ss th e problem s of
ch ild labou r and su ggest su it-
ab le rem edi es
(5) To br in g for th th e problem s
associ ated wit h t h e In d i a’s
devel opm en t an d to su ggest
m easu res to cou n ter th em
118. Wh y, accordin g t o t h e au th or, is
In dia on e of th e favou rit e d est i-
n ation s for in vest m en t by ou t-
sou rci n g com pan ies ?
(A) Sh orter respon se tim e for cli-
en ts
(B) Better tech n i cal sk il ls
(C) Avail ability of ch eap l abou r
(1) On ly (C)
(2) All (A), (B) an d (C)
(3) On ly (B) an d (C)
(4) On ly (A) an d (B)
(5) On ly (A)
119. Wh i ch of t h e fol l owi n g i s/ ar e
t r u e i n t h e con t ext of th e pas-
sage ?
(A) In di a lead s t h e way i n t h e
amou nt in vested in the devel-
op m en t of i n fr ast ru ctu r e.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(B) Political system in In dia is n ot
in flu en ced b y pover ty
(C) In dian popu l ati on wou l d i n -
cr ease b y approxim ately 50
per cen t in th e n ext t wen ty
fi ve year s.
(1 ) On ly (A) an d (B)
(2) On ly (B) (3) On ly (C)
(4 ) On ly (B) an d (C)
(5) All (A), (B ) an d (C)
120. Wh ich of th e followin g is/ are th e
facility(ies) available to MNCs in -
vestin g i n In dia ?
(A) Easy availability of lan d
(B) B et t er i n fr ast r u ct u r e t h an
China.
(C) Tax Con cession s
(1) On ly (C)
(2) All (A), (B) an d (C)
(3) On ly (A) an d (B)
(4) On ly (A) an d (C)
(5) Non e of th ese
121. Wh ich of th e fol lowin g, accor d-
in g t o th e au th or, is a r esu lt of
povert y i n In dia ?
(1) Lack of a robu st secu rity sys-
tem
(2 ) Ch il d l abou r an d th e resu l t-
in g deart h of edu cated you th
(3) Flood s, fam i n es an d oth er
calam ities
(4) Rapid in crease in popu lation
(5 ) Non e of th ese
122. How, accor di n g t o th e au th or,
can t h e effects of flood s, fam -
i n es, d r ou gh t , et c. b e m i n i -
m ized ?
(1) By li m itin g pol lu tion th er eby
redu cing th e ch an ces of su ch
even t s t ak i n g place
(2) B y ed u cat i n g t h e ch i l d r en
ab ou t th e i ll effects of su ch
calam iti es wh o i n t u rn wi ll
h elp du r in g th e t im e of n eed
(3 ) B y foll owi n g t h e U.S. syst em
of pr ovi din g r elief t o i ts cit i-
zen s
(4) By al lot tin g pr oper fu n d s for
research wh i ch can predi ct
th e ou tcom e of su ch calam i-
t i es an d t h u s d esi gn rel i ef
m easu r es
(5) Non e of th ese
Di r ec t i on s (1 2 3 -1 2 4 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s
m ost si m i lar in mean in g to th e word/
grou p of words printed in bold as u sed
in th e passage
COMPREHENSION TEST
123. SURVEI LLANCE
(1) spyin g (2 ) cam er as
(3 ) secu ri ty (4) observation
(5) alertn ess
124. PREREQUI SI T E
(1) resu lt (2) association
(3 ) n ecessi ty (4 ) fact or
(5 ) m ystery
Di r ec t i on s (1 2 5 –1 3 4 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bold to h elp you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(NI ACL Ad m i n i st r at i v e Of f i c er
(AO) Ex am , 10. 01. 201 5 )
Un til 540 m i lli on years ago it is
b el ieved, spon ges an d oth er sim pl e
creatu r es h ad t h e p l an et l ar gel y t o
th em selves, bu t wi th i n a few m i lli on
years, t h e an i m al k in gd om b ecam e
m u ch m or e vari ed-sim i lar to wh at is
n ow h app en i n g in t h e digital r eal m -
an en trepren eu rial explosion . Software
is eatin g t h e wor ld. Digital st?r t-u ps
are bu bbli n g u p in an aston i sh in g va-
ri ety of ser vices an d produ cts, pen e-
tr ati n g ever y n ook an d cran n y of t h e
econ om y, resh api n g en ti re i n du stri es
an d even ch an gi n g th e very n oti on of
th e firm ; gi vin g r ise to a glob al m ove-
m en t. Most bi g ci ties n ow h ave a size-
ab le startu p colon y (ecosystem ) an d
between t h em ar e h om e to h u n dreds
of st art -u p sch ool s (accelerators). All
th ese ecosyst em s ar e h igh ly i n tercon -
n ected wh ich expl ain s wh y in t ern et
en trepren eu rs are a global crowd . Th e
ten den cy to th i n k “Here we go agai n -
yet an ot h er d ot com b u b b l e th at i s
bou n d to pop !” In deed m an y n ew of-
ferin gs are sim ply it eration s on exist-
ing on es. Th e dan ger is that on ce again
too m u ch m on ey is being pu mped in to
st art -u ps. Wh en th i n gs popped last
tim e, it took ten years to reset th e psy-
ch ol ogy. An d even wi t h ou t an ot h er
In ter n et bu st, m or e t h an 90 percen t
of st art-u ps wi ll crash an d bu rn . B u t
th is tim e is al so differen t. Today’s en -
tr epr en eu ri al boom is based on m ore
solid fou n dation s th an t h e 1 990 s i n -
tern et bu bbl e, wh ich m ak es it m ore
li k el y t o con t in u e for t h e for eseeab le
fu t u r e. Tod a y t h e b a si c b u i l d i n g
bl ock s for d igi tal ser vices an d prod-
u cts- tech n ologies of start-u p produ c-
ti on h ave becom e so evolved, ch eap
an d u biqu itou s th at th ey can be easi-
-344-

ly com bi n ed an d recom bin ed. Som e
of th ese bu i ldi n g b lock s are sn i ppets
of code th at can b e copi ed free fr om
th e i n tern et, alon g with easy to learn
pr ogr am m i n g fram ework s, oth er s are
servi ces for fi n din g d evelop ers sh ar -
in g code an d testin g u sability. Yet oth -
er s are app lication p rogram m in g i n -
terfaces di git al plu gs t h at ar e m u lt i-
pl yi n g rap id ly. Th ey al low on e sen -
ten ce to u se an oth er for in stan ce voice
calls, m aps an d p aym en t s.
Th e most importan t are ‘platform s’
servi ces th at h ost ‘star tu p s’offerin gs
an d m ark et t h em , an d t h en th ere is
th e i n ter n et , t h e m oth er of all plat-
form s, wh ich i s n ow fast , u n iversal
an d wireless. St artu ps are all th ou gh t
of as exper im en ts on top of su ch pl at-
form s, t esti n g au t om ated in bu sin ess
an d oth er walk s of life. Som e will work
ou t, m any will not. Throu gh this “com -
bi n at ion al i n n ovat ion ” start -u p s are
doing wh at hu m an s h pve always done;
app ly k n own t ech n i qu es to n ew pr ob-
lem s. Tech n ology h as fu elled th e en -
tr epr en eu rial explosion i n oth er ways
too. Th an k s to th e web, in form ati on
ab ou t h ow to establ ish an d r u n star t-
u p h as becom e m ore accessibl e an d
m ore u n iform . Global stan dard s are
em ergin g for all th i n gs ‘startu p’,, from
pr ogr am m in g tools to ter m sh eet s for
in vestm en ts, d ress code an d vocab u -
lar y, m ak in g i t easy for en trepren eu rs
an d d evel opers to m ove ar ou n d t h e
world. Econ om ic and social sh ifts h ave
pr ovi ded add ed m om en tu m for star t-
u p s. Th e pr olon ged econ om i c crisis
th at began i n 2 008 h as cau sed m an y
m il len ials-people b orn sin ce t h e early
19 80- to aban don h ope of fin d in g a
con ven tion al sen se for th em to stri k e
ou t on t h eir own , Accord in gt o a su r -
vey of peop le aged b et ween 18 an d
3 0 in 27 cou n t ri es, m ore th an two
th ird s see opportu n it ies in becom i n g
an en tr epren eu r, sign allin g a cu ltu ral
sh ift . Start -u p s r u n on h ype, t h in gs
are always ‘awesom e’an d people ‘over -
ex cit ed’ bu t failu r e can be devastat-
ing. Bein g an en trepren eu r often mean
h avi n g n o pr i vat e l i fe, gett i n g li t tl e
sl eep wh i ch m ay be on e reason wh y
fewer w om en ar e i n t er est ed . M or e
^ om i n ou sl y, st ar t -u p s m ay d est roy
m ore job s t h an th ey create at least in
t h e sh or t er t er m . Yet t h e wor l d of
st ar t-u p s t oday offer s a p r eview of
h ow large swath es of th e econ omy was
or gan ised t om orrow. Th is pattern is
al ready em ergi n g i n su ch sectors as
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
ban k in g telecom m u n ication s, electric-
ity which governm en ts are increasin gly
su pportin g.
125. Which of th e following is au thor’s
m ain objective in writing the pas-
sage ?
(A) To ou t l i n e t h e d i ffi cu l t i es i n
lau nchin g start-u ps an d dissu ade
en trepren eu rsh ip
(B) To en u m erate th e en viron m en tal
factor s wh ich sh ou l d be foster ed
to h el p en tr epren eu rsh ip flou r -
ish
(C) To access th e expl osi ve growth
of st ar t -u p s an d t h ei r si gn i fi -
can ce for th e fu tu r e.
(1) On ly (B) an d (C)
(2) On ly (C)
(3) On ly (A) an d (B)
(4) All (A), (B) an d (C)
(5) On ly (A)
126. Accordin g to th e passage, wh ich
of th e followi n g is an ou tcom e of
cu rren t en viron m en t r egardi n g
start-u ps?
(1) Con ven tion s regar din g oper -
at ion of st art -u p s are bei n g
d evised .
(2) St ar t u p s ar e gr ow i n g t oo
sl owl y t h er eby p u t t i n g t h e
econ om y at risk .
(3) Startu ps are in creasingly fall-
in g as th ey lack gover n m en t
fu n din g.
(4) Fi er ce com p et i t i on am on g
st ar t-u ps h as r esu lt ed in a
dr op of pri ces an d qu ali ty of
di git al services.
(5) It h as resu lted in the collapse
of polit ical r egi m es in m an y
cou n t ries.
127. Wh ich of th e fol lowi n g can be
said abou t com b in ation al in n o-
vation ?
(1) Peopl e wi th en t rep ren eu ri al
sp i r i t an d com p l em en t ar y
sk ill s com e toget h er to cr e-
at e i n n ovati ve prod u ct s.
(2) It is an easy p rocess, requ i r -
in g little in vestm en t an d su c-
cess is gu aran teed.
(3) It is a system of m an agem en t
tech n iqu es to pr ovi de feed-
back to star t-u ps an d h elp
th ese ru n effi cien tl y.
(4) It is a p rocess of id en ti fyi n g
n eed s an d u si n g ex i st i n g
m ean s t o i n n ovat i vel y ad -
dr ess t h ese.
COMPREHENSION TEST
(5) It h elps n u rtu re startu ps by
iden tifying appropriate accel-
er ators for en t rep ren eu r s.
128. Wh at d o t h e stat ist ics regardi n g
you t h reveal?
(1) Un em p l oym en t i s r am p an t
an d you th ar e in creasin gl y
d i si l l u si on ed w i t h gover n -
m en ts.
(2) Th ere is a ch an ge in m i n dset
towards m ore u n con ven tion -
al em ploym en t opportu nities.
(3) Th ey are k een t o attai n t h e
h u ge ben efits of start-u ps bu t
r el u ct an t t o wor k t owar d s
them .
(4) Th ey do n ot pu t stock in con -
ven t i on al form al ed u cat ion
bu t are d rawn t o setti n g u p
startu p s.
(5) Ot h er t h an t h ose gi ven as
option s.
129. Wh at does t h e au t h or wan t to
con vey th rou gh th e ph rase “soft-
ware is eat in g th e world ”?
(1) J u st as evol u ti on wiped ou t
lower species, techn ology will
wipe ou t h u m an bein gs if n ot
deployed ju diciou sly.
(2) Th e focu s on technology is too
m u ch an d will create tremen -
dou s job losses.
(3) Software is chan gin g existin g
dyn am ics from i n du stri es to
th e way we i n teract.
(4) In du stri es an d people h ave
becom e so depen den t on dig-
it al power th at th ey are vu l-
n erabl e t o crim es.
(5) Soft war e p oses a t h reat as
hu ge am ou nt of person al data
an d in form ation m ay be m is-
u sed.
130. Wh ich of th e followin g can be in -
ferred in th e con t ext of th e pas-
sage?
(1) Digital tech n ology h as creat-
ed en dl ess possib i li t ies for
n ew p rod u ct s an d b u si n ess-
es.
(2) Th e k n ow-h ow to set u p star -
tu ps i s easil y avai labl e.
(3) Th e sp r ead of st ar t -u p s i s
b ei n g p osi t i vel y vi ew ed b y
govern m en ts.
(4) Accel erator s tr y t o equ i p en -
trepren eu rs with th e capabil-
it ies to be su ccessfu l.
-345-

(5) Al l t h e given statem en t s can
be in fer red in th e con text of
th e passage.
131. Ch oose t h e word wh ich is m ost
n earl y th e sam e in th e m ean i n g
EVOLVED given i n bold as u sed
in th e passage.
(1) Nu rtu red (2) inclined
(3) ad van ced (4) in creased
(5) pr odu ced
132. Ch oose t h e word wh ich is m ost
n early t h e opposite in t h e m ean -
in g OMINOUSLY given in bold
as u sed in t h e passage.
(1) In au spiciou sly
(2) favou rably
(3) u n derstandin g
(4) worryin gly (5) Con fiden tly
133. Wh at is th e au th or ’s view of t h e
fu tu r e of star tu p s?
(1) H e i s war y of st ar t u p s as
th ese ar e exper im en tal an d
n ot en d u rin g organ isation s.
(2) He is recon cil ed to startu ps
bein g th e way of t h e fu tu re
an d t o t h e ch an ges t h at wi ll
occu r.
(3) He feels th at startu ps are too
depen den t on feed back an d
h en ce doom ed to fai l.
(4) H e i s of t h e op i n i on t h at
st art -u p s are det rim en t al to
cu stom ers’ p erson al wellb e-
ing.
(5) In frin gem en t of oth ers’in t el-
lectu al property righ ts will be
a h u ge issu e jeopardising th e
fu tu r e of star tu p s.
134. Wh ich of th e followin g i s a rea-
son for t h e relu ctan ce to tak e u p
en t repr en eu rsh i p?
(1) Vu lnerability du ring economic
down tu rn .
(2) New D iffi cu l ty i n acqu ir in g
m en tor s.
(3) Vast fin an cial in vestm en ts in
in frastr u ctu re.
(4) Ri sk s in vol ved an d saci ifi c-
es to be m ad e.
(5) Lack of diverse work force.
Di r ec t i on s (1 3 5 –1 4 4 ) : Read t h e
foll owi n g p assage car efu ll y an d an -
swer t h e qu est i on s gi ven b el ow i t .
Cer t ai n wor d s/ p h r ases h ave b een
prin ted in bold to h elp you locate them
wh i l e an sweri n g som e of t h e qu es-
tions.
(NI ACL Ad m i n i st r at i v e Of f i c er
(AO) Ex am , 11. 01. 201 5 )
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
En t repren eu rsh ip i s th e m odern -
day ph ilosoph er’s ston e: a m ysteriou s
som et h in g t h at su p posedl y h old s t h e
secret t o boost in g gr owt h an d creat-
in g j obs. Th e G20 cou n tr ies h old an
an n u al you th -en tr epren eu rsh ip su m -
m it. More than 130 cou n tries celebrate
Global En trepren eu rsh ip Week . Bu si-
n ess sch ool s offer h u gel y p op u l ar
cou rses on h ow to b ecom e an en tr e-
pr en eu r. Bu sin ess gu r u s produ ce of-
ten con tr adi ctory gu id es to en tr epr e-
n eu rsh ip: David Gu m per t wrote both
“H ow t o Reall y Cr eate a Su ccessfu l
Bu sin ess Plan ” an d “Bu r n You r Bu si-
n ess Plan !”.
Bu t what exactly is en trepren eu r -
sh ip apart from a lon ger way of say-
in g “en terprise”? An d h ow sh ou ld gov-
er n m en ts en cou rage it ? Th e p ol icy-
m ak er s are as con fu sed as th e gu ru s.
Th ey assu m e th at i t m u st m ean n ew
tech n ology; so th ey tr y t o creat e n ew
Sil i con Val l eys. Or t h at it i s ab ou t
sm all b u sin esses; so th ey focu s on
fosterin g start-u ps. Both assu m ption s
are m isl eadin g.
Si licon Vall ey h as certai n ly been
th e capital of tech n ology-based en tre-
pr en eu r sh ip in recen t decad es. B u t
you d o n ot n eed to be a geek to be an
en trepreneu r. George Mitch ell, th e Tex-
as oilm an wh o pion eered frack in g, did
as m u ch to ch an ge th e world as an y-
bod y in th e Valley. Nor do you n eed to
be a co n v en t i o n al in n ovator. M igu el
Davila an d h is colleagu es bu ilt a h u ge
bu sin ess by im p orti n g th e Am erican
m u lti plex cin em a i n to Mexico. Th eir
on ly i n n ovati on , says Mr Davila, “was
pu tti n g l im e ju ice an d ch ili sau ce on
th e popcor n in st ead of bu t ter.”
Equ al ly, th ere is a world of di f-
fer en ce b et ween t h e t yp i cal sm al l -
bu sin ess own er (wh o dream s of op en -
in g an oth er sh op) an d th e tr u e en tr e-
pr en eu r (wh o dr eam s of ch an gi n g an
en tire in du stry). J im McCan n, th e cre-
at or of 1-80 0-flowers.com , i s an en -
tr epr en eu r r ath er t h an ju st a fl ori st
b ecau se, wh en h e op en ed h i s fi r st
sh op in 1976 , h e l ook ed at t h e bu si-
n ess “with McDon al d’s eyes”, as h e
pu t it, an d lab ou red for years t o bu ild
t h e wor l d ’s b i ggest fl ow er -d el i ver y
bu sin ess.
Th ese m i scon ception s m atter be-
cau se th ey produ ce lou sy policies. Th e
wor ld i s li tt er ed wit h h i gh -t ech en -
cl aves th at fai l t o fl ou r ish . M alaysia’s
b iotech val ley h as b een n i ck n am ed
COMPREHENSION TEST
“Vall ey of t h e BioGh osts”. Th e wor ld
is al so fu l l of sm all -bu sin ess depar t-
m en ts th at fail to produ ce m an y job s.
Th e Kau ffm an Fou n dation , wh ich r e-
search es su ch m at t ers, h as sh own
th at th e bu l k of n ew j obs com e from a
ti n y sliver of h igh -gr owt h com pan ies.
D an i el Isen b er g h as sp en t 3 0
years im m ersed in t h e wor ld of en tr e-
pr en eu rsh ip as a (som eti m es failed)
en trepren eu r an d ven tu re capitalist as
wel l as an academ i c (h e p revi ou sl y
t au gh t at H ar vard Bu si n ess Sch ool
an d is n ow at n earby Babson College).
He h as al so travel led th e world acc u -
m u l at i n g exam ples— h e is ju st as i n -
terested in Icelan d’s gen er ic-dru g i n -
du stry as i n Sil icon Val ley’s gian ts. In
a n ew book , “Worth less, Im p ossibl e,
an d Stu p id”, h e pr esen ts a n ew defi-
n i t i on of en t r ep r en eu r sh i p . In es-
sen ce, en tr epr en eu rs are con tr ari an
val u e cr eat or s. Th ey see econ om i c
val u e wh ere oth ers see h eap s of n ot h -
in g. An d th ey see bu sin ess opp ort u -
n i t i es w h er e ot h er s see on l y d ead
en ds.
Th ere ar e p len ty of stri k in g ex-
am p l es of t h i s : M o I b r ah i m , t h e
fou n d er of Cel tel , saw t h e possib ili ty
of br in gin g m ob ile ph on es to su b-Sa-
h ar an Afr ica wh en t el ecom s gian t s
saw on ly pen n i less peasan ts an d l o-
gi sti cal n igh tm ares. On a tr ip t o To-
bago Sean Dimin and h is father Mich a-
el ob served th at fi sh erm en were leav-
in g t on n es of fish to rot, so t h ey cr e-
at ed a com pan y, Sea t o Table, t o get
th e su rp lu s fish t o New York restau -
ran ts. As a stu den t at H arvard Bu si-
n ess Sch ool , Will Dean n oti ced th at
social m edi a were irr igatin g a fash i on
for extrem e sports. So h e establ ish ed
a compan y, Tou gh Mu dder, that ch arg-
es p eop l e t o su b j ect t h em sel ves t o
pain an d h u miliation .
Mr Isen berg em phasises th at su c-
cessfu l con trari an s also n eed th e self-
con fi den ce t o d efy con ven tion al wi s-
dom (Mr D ean ’s professors tol d h im
th at h e was crazy) an d th e d eterm i n a-
tion to over com e obstacles (it took th e
Di m i n s t wo year s t o get th e fish er -
m en t o ch an ge t h ei r h abi ts). In deed,
som e of th e best en t repr en eu rs are
di sti n gu ish ed m or e by th eir ab ili ty to
ach i eve th e im possib le t h an by t h e
or igin alit y of th eir t h in k in g. TCS is
essen tially a Pak istan i ver sion of Fe-
dEx. Bu t to get it goi n g, Kh alid Awan
h ad t o over com e “i n su per abl e” prob-
lem s su ch as st rik in g deals wit h t h e
-346-

gan gs th at con trol th e h au lage in d u s-
tr y an d sweet-t alk i n g th e politi cian s
wh o can sh u t a n ew com pan y at t h e
dr op of a h at.
Mr Isen b er g h as t wo i m p or tan t
bi ts of advice for policym ak er s wh o
gen u inely wan t to foster en trepren eu r -
sh ip. Fir st, th ey sh ou ld r em ove barr i-
er s t o en try, an d growth , for all sor ts
of b u sin ess, rath er th an seek in g to
bu ild particu lar types of clu sters. Sec-
on d, th ey sh ou ld recogn ise th e im por -
tan ce of th e pr ofit m otive. Th er e h as
been m u ch fan cy tal k of “social en t re-
pren eu rsh i p”— h ar n essi n g en terprise
to d o good deed s— b u t i n t ru th t h e
m ain m ot ivator for en trepren eu rs is
th e ch an ce of m ak in g b ig m on ey. Th is
i s wh at dr i ves p eopl e t o t ak e h u ge
ri sk s an d en du re year s of h ard sh i p.
An d th i s is wh at en cou rages in vestors
to tak e a pu n t on bu sin ess ideas th at,
at fi rst si gh t , look h al f-crazy.
Politicians and bu reau crats do n ot
j u st con fu se en tr ep r en eu rsh ip wit h
t h i n gs th ey l ik e— t ech n ol ogy, sm al l
bu sin ess— th ey also fail to r ecogn i se
t h at it en t ail s th i n gs th at set t h ei r
teeth on ed ge. En t rep ren eu r s t h ri ve
on in equ ality: the fabu lou s wealth they
gen er ate in Am erica m ak es t h e cou n -
tr y m ore u n equ al. Th ey al so th ri ve on
d isru p ti on , wh ich creates l osers as
well as win n ers. J osep h Sch u m pet er
on ce argu ed th at econ om ic progress
t ak es p lace in “cr ack s” an d “l eaps”
rath er th an “in fin itesim al sm all steps”
becau se i t i s d riven b y r u le-break i n g
en t r ep r en eu r s. It m i gh t b e n i ce t o
th in k th at we cou l d h ave gr owt h an d
job-cr eation wi th ou t a good d eal of
Sch u m p et er ian crack in g. Bu t, alas,
som e th ou gh ts real ly are worth less,
im p ossib le an d stu p id.
1 3 5 . Migu el Davila an d h is colleagu es
bu ilt a h u ge b u sin ess by im por t-
in g t h e Am erican m u lt ipl ex cin e-
m a in to Mex ico. Th eir on ly in n o-
vation was
(1) pu tti n g effort wit h n ew ideas
an d goals
(2) p u t t i n g l im e ju i ce an d ch il i
sau ce on th e p opcorn in stead
of bu tter.
(3) To im itate the path of su ccess-
fu l en trepren eu r s.
(4) to be a con ven tion al in n ovator
(5) Non e of th ese
1 3 6 . Wh ich of th e followin g statem en t
(s) i s/ ar e t ru e in th e con text of
th e given p assage ?
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Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
COMPREHENSION TEST
(A) Th e poli cym ak er s assu m e th at 1 4 0 . Wh o am on g th e foll owi n g i s t h e
en t r ep r en eu r sh i p m u st m ean wr i t er of t h e b ook “Wor t h l ess,
n ew t ech n ol ogy an d h en ce th ey Im p ossi ble an d St u pid ” ?
tr y t o cr eat e n ew Sili con Val leys. (1) David Gu m pert
(B) David Gu m pert has written “How (2) Dan iel Isen berg
t o Real l y Cr eat e a Su ccessfu l (3) J osep h Sch u m pet er
Bu sin ess Plan ”.
(4) Tou gh Mu dder
(C) Th e poli cym ak er s assu m e th at (5) Sean Dim in
en trep ren eu r sh ip is ab ou t sm all
Di r ec t i o n s (1 4 1 -1 4 2 ) : Ch oose
bu sin ess.
t h e wor d / gr ou p of wor d s wh i ch i s
(1) On ly A m o st si m i l ar in m ean i n g to th e word
(2) Both A an d B / grou p of word s p rin ted in bo l d as
(3) Both B an d C u sed in th e passage.
(4) Both C an d A 141. PUNT
(5) Al l A, B an d C (1) a sh allow boat
1 3 7 . Wh at accordi n g to Dan iel Isen - (2) k ick
berg is t h e n ew defin ition of en - (3) bet
tr epr en eu rsh ip ? (4) u n it of m on ey
(1) En trepren eu rs are con tr ari an (5) pu n net
valu e creator s.
1 42 . ACCUM ULAT E
(2) En trepren eu r s are th ose wh o (1) amass
m ak e efforts to ear n . (2) ascertain
(3) En t repren eu rsh ip is th e m od- (3) accou tre
er n -day p h il osop h er ’s ston e.
(4) m ak e fam iliar
(4) En trepren eu rsh ip is a m ix of
(5) dest roy
optim i sm an d pessim ism .
Di r ec t i o n s (1 4 3 -1 4 4 ) : Ch oose
(5) Non e of th ese
t h e wor d / gr ou p of wor d s wh i ch i s
1 3 8 . As per th e con ten ts in th e pas- m o st o p p o si t e i n m ean i n g t o t h e
sage, wh at are im p ort an t bi ts of word/ grou p of word s p rin ted in bo l d
ad vice b y M r. Isen ber g for pol i- as u sed in t h e passage.
cym ak ers wh o gen u i n el y wan t to 1 4 3. H ARNESS
foster en tr epr en eu rsh ip ?
(1) u se
(A) Policym ak ers shou ld rem ove bar -
(2) control
ri ers to en t ry an d growth , for all
(3) Let go in vain
sorts of bu sin ess.
(4) hark
(B) Poli cym ak ers sh ou l d recogn ise
(5) h arass
th e i m portan ce of th e pr ofi t m o-
1 44 . CONVENTI ONAL
tive.
(C) Pol icym ak ers sh ou l d focu s on (1) tradition al
social en t repr en eu rsh i p. (2) u n con vention al
(1) On ly A (3) additional
(2) On l y C (4) con trolable
(3) Both A an d B (5) modern
(4) Both B an d C Di r ect i on s (14 5 –1 54 ) : Read th e
foll owi n g p assage car efu ll y an d an -
(5) Al l A, B an d C
swers th e qu estion s. Cer tai n word s/
1 3 9 . Wh at in you r op in i on sh ou ld be
ph rases are given in ou t locate th em
th e m ost app rop riat e t itl e of th is
wh ile an swer in g som e qu est ion s.
passage ?
(NI ACL Ad m i n i st r at i v e Of f i c er
(1) En t repren eu rsh ip is th e m od- (AO) On l i n e Ex am , 1 2.0 1. 201 5 )
er n -day p h il osop h er 's ston e.
For m ore th an th ree years, An n a
(2) En trepren eu r sh i p i s n oth i n g Fen g di dn ’t tell h er h u sban d th at th ey
bu t inn ovation . h ad su n k n early h al f of t h ei r savin gs
(3) En trepren eu r sh i p an d glob al in to th e Sh angh ai stock m ark et. While
approach h e th ou gh t all th ei r m on ey was safely
(4) How t o b ecom e a su ccessfu l sittin g in ban k , th e valu e of th e stock s
en trep ren eu r pl u n ged by alm ost 75%. B u t over t h e
(5) Non e of th ese past cou ple of m on th s, t h e Sh an gh ai
-347-

m ark et h as sh own sign s of l ife, an d
Fen g, a 5 6-year ol d ret ir ee, h as r e-
cou pl ed h al f h er losses. Sh e’s qu ali ty
h opefu l t h at m aybe sh e’ll m ak e i t all
back . “Everyon e seem s to be so opt i-
m i sti c ab ou t th e m ark ets n ow,” sh e
says.
Arou n d t h e wor l d, stock s h ave
been on a tear. In Asi a, for exam pl e,
Th e Tok yo TOPIX stock in d ex h it a
14 -year h ot last week as a bu l l r u n in
on ce-dorman t J apan gath ered m omen-
tu m ; Mu mbai m ain equ ity in dex hit an
al l t im e h igh i n tr adi n g ear ly Frid ay
am i d In d i a’s con t i n u i n g econ om i c
boom ; an d Hon g Kon g sh ares reach ed
a five-year h i gh wh il e i n di ces in Si n -
gapor e, J ak arta an d Sydn ey set n ew
recor ds. An d t h ou gh stock s in Asi a,
in parti cu lar are on fir e, th ey ar e n ot
al on e. From Ger m an y t o Ven ezu ela to
Sou th Africa, equ i ty m ar k ets in both
m atu r e an d em ergin g m ark ets h ave
m oved u p sh arply th is year - an d sh ow
li ttl e sign of slowin g.
Th e u n d er p i n n i n g for st ock s’
st ron g perform an ce, gl obal b u lls say,
is st rai gh t for ward . Econ om i c growth
con tin u es to be stron g in places wh ere
it h as been bu oyan t for several years
(th e US, Ch in a an d In dia) an d is fin al-
ly pi ck i n g u p i n p laces wh er e i t h ad
been n otably absen t- J apan an d parts
of “old” Eu rop e. M oreover, ear n in gs
an d corp orate balan ce sh eet s arou n d
th e world ar e as h ealt h y as th ey h ave
b een i n year s. In J ap an , cor p orat e
pr ofi ts h ave clim bed for fou r str aigh t
years an d con su m er sp en d in g is ri s-
in g b risk ly on th e back of d ecl in i n g
u n em p loym en t . Econ om i sts say th at
J apan is n ow i n a gol den cycle. So,
for n ow, i s m u ch of t h e wor l d . “It
com es down to very sim pl e m acroeco-
n om ics,” says Su bi r gok am , an econ -
om ist at CRISIL, In di a’s largest cred-
it -ratin g firm . “Th e global econ om y is
gr owi n g wit h ou t m u ch i n fl at i on ar y
p ressu r e.”
Is an yth in g wr on g wit h t h is pi c-
t u r e? On e very bi g t h i n g, war n th e
sceptics. In terest rates are risin g n ear -
ly ever ywh ere, an d i f th ere is on e sim -
pl e adage th at m an y in vestm en t ad-
vi ser s l ive by, i t’s th i s :”Wh en rat es
ar e h igh , st ock s will di e.” In d eed , on e
of th e m ost im p ressive- or scar iest-
aspects of th e cu rren t glob al bu l l r u n
is th at i t h as com e in th e t eet h of cen -
tral-ban k tigh ten in g, m ost im portan t-
ly by th e US Feder al reserve, wh i ch
cou ld sl ow growth in th e wor ld’s k ey
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econ om i c locom ot ive. Th e Fed h as in -
cr eased a k ey sh ort t erm in ter est rate
-t h e so call ed Fed fu n ds rat e-15 tim es
datin g back to J u n e 2004, an d is wide-
ly ex pect ed to raise i t on ce or twi ce
over th e n ext few m on th s. A br ief -
recession an d th e Sep tem ber 11 ter -
rorist at tack s in 2 001 sp u rr ed a pr o-
l on ged p er i od of ver y l ow i n t er est
rates. Th at boosted US con su m ption -
in parti cu l ar th e rat e-sen siti ve h ou s-
in g m ar k et -an d k ep t th e gl obal econ -
omy h u m m in g. Not long term rates are
n ow begi n n in g t o ti ck u p ward : last
week th e US 30 year t reasu ry bon d
reach ed 5 .04 %, i ts h igh est level sin ce
late 200 4, an d th e h ou si n g m ark et is
cooli n g off- p oten tially tr iggeri n g an
econ om ic slowdown as h om eown ers
cu t t h ei r spen din g.
145. Accor din g to th e p assage, wh at
m ak es people h opefu l abou t th e
m ark ets ?
(1) Th e d escen t in th e val u e of
st ock s.
(2) Th e t r en d of su b st an t i al
i n c r ea se i n t h e va l u e o f
st ock s.
(3) Safet y pr ovi ded by ban k s to
th eir dep osit s.
(4) O p t i m i s m o f t h e s t o c k
m ark et pl ayer s.
(5) Th e i n terest r ates are goi n g
u p.
146. Wh at is th e im pact of in creasin g
lon g-ter m i n ter est rates ?
(A) D em an d in h ou sin g m ark et
is gradu ally dim in ishin g.
(B ) Ret ar d at i on i n econ om i c
gr owth .
(C) Restrictions im posed by cen -
tr al ban k .
(1) A only
(2) B on ly
(3) C on ly
(4) A an d C on ly
(5) Al l A, B an d C
147. Wh ich of th e followin g is TRUE
ab ou t th e com p ari son between
m ark et i n di ces of Mu m bai an d
H on g Kon g on on e h an d an d
Si n gapor e, J ak arta an d Sydn ey
on th e ot h er ?
(1) Th e i n d i ces i n t h e for m er
case ar e i n cr easi n g w h i l e
t h o s e i n t h e l a t t er a r e
decr easin g.
(2) There is n o rem ark able tren d
vi sib le bet ween t h e two sets
of id ices.
COMPREHENSION TEST
(3) In dices in both th e grou ps
h av e b een s t ab l e ov er a
period of l ast five year s.
(4) T h e m ar k et i n b ot h t h e
gr ou p s of cou n t r i es h ave
sh own u p war d t ren d.
(5) Non e of th e gi ven op tion s is
tru e.
148. Wh i ch of t h e fol l ow i n g
st atem en ts is/ ar e False i n t h e
con text of t h e passage ?
(A) Econ om ic gr owth in US, Ch in a,
In dia, J apan an d Old Eu r opean
cou n t r i es st ar t ed t o sh o w a
down ward tren d
(B) Hi gh er i n terest rates h elp boost
st ock valu e.
(C) Sk ept ics bel ieve t h at econ om ic
gr owt h i s a boom from al l t h e
an gles.
(1) Al l A, B an d C
(2) A an d B on ly
(3) B an d C on ly
(4) A an d C on ly
(5) Non e of th e gi ven op tion s is
tru e
149. Accord in g to th e con text of t h e
p a ssa ge, t h e sp u r t i n st o ck
m ark et s appears to be
(1) a h eal t h y si gn of gr ow i n g
world peace
(2) an in dicati on of eradicati on
of gl obal pover ty
(3) a proof of a n egl igi ble n u m -
ber of peopl e b elow pover ty
line
(4) a tran sit ion fr om u n der d e-
velopm en t to en rich m en t.
(5) Non e of th e gi ven op tion s is
tru e
150. H o w a r e t h e i n t er es t r a t es
associat ed wit h t h e stock s ?
(1) In di rect pr oporti on
(2) In in verse p roporti on
(3) No relation
(4) D ep en d en t u p on the
in vestors
(5) Non e of th e gi ven op tion s is
tru e
151. Wh ich of th e followin g is m ost
n earl y th e opposit e i n m ean i n g
to th e word ‘BRI SK LY’given in
bold as u sed i n t h e passage.
(1) vigorou sly
(2) efficien tly
(3) h u rriedly
(4) in sign ificantly
(5) slowly
-348-

152. Wh ich of th e followin g is m ost
n earl y t h e sam e in m ean i n g to
th e word ‘sk ep t i c ’given in bold
as u sed in t h e passage.
(1) disbeliever (2) orthodox
(3) theist (4) philosopher
(5) analyst
153. In wh at way d i d t h e t er r or i st
at tack s i n t h e US i n fl u en ce t h e
m ark ets ?
(1) It led t o a br ief recession .
(2) It in creased lon g-term n eed
for h ou sin g.
(3) I t h el p ed i n c r ea s ed t h e
gr owt h rates on h ou sin g.
(4) It prolon ged th e low in terest
rate r egi m e
(5) Non e of th e gi ven op tion s is
tru e
154. How do th e stock valu es in Asian
cou n t ries com pare wit h th at in
th e oth er cou n tries of th e globe ?
(1) It can n ot b e i n ferred on t h e
basis of th e con ten t of t h e
p assage.
(2) Th ere is a gen eral decli n e in
th e m ark et i n di ces all over
th e glob e.
(3) Mark ets sh ow a gen eral ri se
i n t h e i n d i ces al l over th e
globe.
(4) M a r k et s o n l y i n A s i a n
c o u n t r i es h a v e s h o w n
u p war d t ren d.
(5) Non e of th e gi ven op tion s is
tru e.
SHORT ANSWERS
NATIONALISED BANKS
& IBPS PO/MT/SO
COMPREHENSION TEST
53. (4) 54. (4) 55. (1) 56. (4) 241. (1) 242. (3) 243. (4) 244. (2)
57. (2) 58. (4) 59. (4) 60. (5) 245. (5) 246. (2) 247. (5) 248. (2)
61. (1) 62. (3) 63. (4) 64. (3) 249. (3) 250. (1) 251. (1) 252. (5)
65. (3) 66. (3) 67. (2) 68. (1) 253. (3) 254. (4) 255. (5) 256. (5)
69. (1) 70. (4) 71. (1) 72. (4) 257. (5) 258. (2) 259. (2) 260. (4)
73. (2) 74. (4) 75. (3) 76. (1) 261. (1) 262. (5) 263. (2) 264. (5)
77. (5) 78. (4) 79. (5) 80. (2) 265. (4) 266. (3) 267. (4) 268. (1)
81. (2) 82. (5) 83. (2) 84. (1) 269. (3) 270. (1) 271. (2) 272. (5)
85. (4) 86. (1) 87. (3) 88. (5) 273. (4) 274. (4) 275. (5) 276. (1)
89. (2) 90. (2) 91. (3) 92. (1) 277. (3) 278. (2) 279. (2) 280. (2)
93. (5) 94. (5) 95. (2) 96. (1) 281. (3) 282. (5) 283. (5) 284. (4)
97. (5) 98. (1) 99. (3) 100. (2) 285. (2) 286. (3) 287. (4) 288. (1)
101. (3) 102. (4) 103. (2) 104. (3) 289. (5) 290. (4) 291. (2) 292. (2)
105. (4) 106. (4) 107. (1) 108. (1) 293. (1) 294. (5) 295. (2) 296. (3)
109. (4) 110. (2) 111. (4) 112. (3) 297. (1) 298. (1) 299. (2) 300. (3)
113. (4) 114. (3) 115. (4) 116. (1) 301. (3) 302. (3) 303. (5) 304. (5)
117. (3) 118. (4) 119. (4) 120. (5) 305. (3) 306. (1) 307. (3) 308. (4)
121. (3) 122. (2) 123. (4) 124. (3) 309. (5) 310. (1) 311. (4) 312. (3)
125. (5) 126. (4) 127. (2) 128. (5) 313. (2) 31 4. (5) 315. (1) 316. (3)
129. (3) 130. (1) 131. (2) 132. (4) 317. (4) 318. (4) 319. (5) 320. (2)
133. (2) 134. (5) 135. (3) 136. (4) 321. (4) 322. (2) 323. (3) 324. (1)
137. (4) 138. (3) 139. (1) 140. (2) 325. (5) 326. (2) 327. (4) 328. (1)
141. (1) 142. (5) 143. (5) 144. (3) 329. (3) 330. (2) 331. (1) 332. (4)
145. (4) 146. (2) 147. (2) 148. (4) 333. (5) 334. (3) 335. (1) 336. (2)
149. (1) 150. (4) 151. (3) 152. (4) 337. (3) 338. (3) 339. (2) 340. (3)
153. (2) 154. (1) 155. (2) 156. (4) 341. (3) 342. (5) 343. (5) 344. (4)
157. (5) 158. (1) 159. (1) 160. (2) 345. (2) 346. (1) 347. (2) 348. (3)
161. (3) 162. (4) 163. (1) 164. (4) 349. (4) 350. (3) 351. (2) 352. (2)
165. (1) 166. (3) 167. (3) 168. (1) 353. (5) 354. (1) 355. (4) 356. (5)
169. (3) 170. (2) 171. (4) 172. (4) 357. (5) 358. (2) 359. (3) 360. (2)
173. (3) 174. (1) 175. (4) 176. (5) 361. (4) 362. (1) 363. (4) 364. (1)
177. (5) 178. (1) 179. (3) 180. (4) 365. (3) 366. (5) 367. (1) 368. (2)
181. (5) 182. (5) 183. (3) 184. (1) 369. (4) 370. (5) 371. (4) 372. (4)
185. (5) 186. (5) 187. (4) 188. (3) 373. (5) 374. (3) 375. (2) 376. (2)

1. (5) 2. (5) 3. (2) 4. (3) 189. (3) 190. (4) 191. (4) 192. (4) 377. (5) 378. (4) 3 7 9 . (2) 3 8 0 . (2)

5. (1) 6. (5) 7. (4) 8. (3) 193. (2) 194. (5) 195. (1) 196. (5) 381. (3) 3 8 2 . (3) 3 8 3 . (2) 384. (5)
9. (3) 10. (4) 11. (2) 12. (5) 197. (2) 198. (3) 199. (4) 200. (2) 385. (5) 386. (4) 387. (2) 388. (2)

13. (1) 14. (2) 15. (1) 16. (2) 201. (4) 202. (4) 203. (4) 204. (2) 389. (3) 390. (3) 391. (2) 392. (5)
17. (4) 1 8 . (4) 19. (1) 20. (2) 205. (2) 206. (3) 207. (2) 208. (4) 393. (1) 394. (2) 395. (3) 396. (5)

21. (4) 22. (5) 23. (4) 24. (3) 209. (3) 210. (3) 211. (2) 212. (4) 397. (2) 398. (4) 399. (4) 400. (3)
25. (5) 26. (4) 27. (2) 28. (4) 213. (5) 214. (5) 215. (1) 216. (4) 401. (1) 402. (1) 403. (3) 404. (5)
29. (5) 30. (4) 31. (2) 32. (1) 217. (3) 218. (3) 219. (5) 220. (3) 405. (5) 406. (5) 407. (3) 408. (1)

33. (3) 34. (3) 35. (4) 36. (2) 221. (4) 222. (2) 223. (4) 224. (5) 409. (2) 410. (2) 411. (3) 412. (2)
37. (5) 38. (3) 39. (3) 40. (2) 225. (3) 226. (1) 227. (2) 228. (3) 413. (4) 414. (3) 415. (3) 416. (1)

41. (1) 42. (2) 43. (4) 44. (4) 229. (2) 230. (4) 231. (4) 232. (4) 417. (5) 418. (2) 419. (2) 420. (4)
45. (4) 46. (4) 47. (2) 48. (5) 233. (2) 234. (2) 235. (5) 236. (1) 421. (4) 422. (4) 423. (3) 424. (1)
49. (5) 50. (5) 51. (2) 52. (3) 237. (3) 238. (4) 239. (5) 240. (3) 425. (2) 426. (5) 427. (4) 428. (3)

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 COMPREHENSION TEST
429. (5) 430. (4) 431. (2) 432. (5) 89. (2) 90. (4) 91. (4) 92. (3)
RBI GRADE–B
433. (3) 434. (3) 435. (2) 436. (3) 93. (5) 94. (4) 95. (3) 96. (3)
97. (5) 98. (3) 99. (5) 100. (4)
OFFICER EXAMS
437. (1) 438. (2) 439. (3) 440. (4)
441. (1) 442. (2) 443. (2) 444. (1) 101. (4) 102. (2) 103. (1) 104. (1) 1. (4) 2. (4) 3. (2) 4. (1)
445. (4) 446. (5) 447. (4) 448. (3) 105. (4) 106. (5) 107. (2) 108. (5) 5. (1) 6. (3) 7. (4) 8. (2)
449. (3) 450. (4) 451. (4) 452. (4) 109. (3) 110. (2) 111. (4) 112. (4) 9. (5) 10. (3) 11. (3) 12. (5)
453. (1) 454. (5) 455. (2) 456. (5) 113. (1) 114. (3) 115. (1) 116. (2) 13. (2) 14. (1) 15. (2) 16. (4)
457. (3) 458. (1) 459. (3) 460. (4) 117. (3) 118. (4) 119. (1) 120. (4) 17. (3) 18. (1) 19. (4) 20. (2)
461. (1) 462. (4) 463. (1) 464. (3) 121. (5) 122. (1) 123. (4) 124. (3) 21. (2) 22. (4) 23. (2) 24. (2)
46 5. (2) 466. (1) 467. (2) 468. (4) 125. (4) 126. (3) 127. (1) 128. (5) 25. (5) 26. (4) 27. (4) 28. (5)
469. (5) 470. (3) 471. (1) 472. (1) 129. (2) 130. (5) 131. (3) 132. (2) 29. (3) 30. (2) 31. (4) 32. (5)
473. (1) 474. (2) 475. (3) 476. (2) 133. (5) 134. (4) 135. (2) 136. (4) 33. (3) 34. (5) 35. (3) 36. (2)
477. (3) 478. (4) 479. (2) 480. (1) 137. (2) 138. (3) 139. (2) 140. (2) 37. (1) 38. (3) 39. (1) 40. (4)
481. (1) 482. (2) 483. (1) 484. (2) 141. (3) 142. (3) 143. (1) 144. (5) 41. (3) 42. (5) 43. (2) 44. (4)
485. (4) 486. (3) 487. (5) 488. (5) 145. (3) 146. (3) 147. (2) 148. (5) 45. (1) 46. (2) 47. (2) 48. (3)
489. (5) 490. (1) 491. (5) 492. (1) 149. (2) 150. (1) 151. (2) 152. (1) 49. (2) 50. (4) 51. (5) 52. (1)
493. (3) 494. (3) 495. (4) 496. (5) 153. (3) 154. (5) 155. (3) 156. (3) 53. (3) 54. (4) 55. (1) 56. (2)
497. (2) 498. (1) 499. (5) 500. (1) 157. (1) 158. (4) 159. (2) 160. (3) 57. (3) 58. (1) 59. (4) 60. (2)
161. (4) 162. (3) 163. (4) 164. (4) 61. (4) 62. (5) 63. (4) 64. (2)
501. (1) 502. (2) 503. (1) 504. (4)
165. (1) 166. (3) 167. (5) 168. (2) 65. (1) 66. (2) 67. (4) 68. (5)
505. (5) 506. (4) 507. (4) 508. (2)
169. (5) 170. (3) 171. (3) 172. (3) 69. (3) 70. (1) 71. (4) 72. (2)
509. (1) 510. (1) 511. (4) 512. (1)
173. (3) 174. (2) 175. (1) 176. (4) 73. (3) 74. (1) 75. (5) 76. (5)
513. (1) 514. (1) 515. (3) 516. (3)
177. (4) 178. (2) 179. (3) 180. (3) 77. (2) 78. (1) 79. (1) 80. (5)
517. (1) 518. (2) 519. (3) 520. (2)
181. (3) 182. (4) 183. (2) 184. (4) 81. (4) 82. (3) 83. (4) 84. (2)
521. (2) 522. (3) 523. (1) 524. (5)
185. (1) 186. (1) 187. (1) 188. (2) 85. (4) 86. (1) 87. (3) 88. (1)
525. (3)
189. (3) 190. (4) 191. (2) 192. (1) 89. (4) 90. (5)
SBI PO EXAMS 193. (2) 194. (2) 195. (1) 196. (4)
197. (1) 198. (4) 199. (4) 200. (2)
INSURANCE EXAMS
1. (4) 2. (2) 3. (4) 4. (3)
5. (1) 6. (4) 7. (5) 8. (5) 201. (3) 202. (4) 203. (1) 204. (4) 1. (3) 2. (4) 3. (4) 4. (3)
9. (4) 10. (2) 11. (2) 12. (3) 205. (4) 20 6. (1) 20 7. (1) 20 8. (2) 5. (1) 6. (2) 7. (3) 8. (4)
13. (5) 14. (3) 15. (2) 16. (1) 20 9. (3) 210. (4) 211. (5) 212. (1) 9. (1) 10. (2) 11. (2) 12. (5)
17. (5) 18. (4) 19. (3) 20. (2) 213. (1) 21 4. (5) 21 5. (5) 21 6. (5) 13. (5) 14. (1) 15. (4) 16. (4)
21. (4) 22. (2) 23. (5) 24. (2) 21 7. (5) 21 8. (1) 21 9. (4) 220. (2) 17. (3) 18. (4) 19. (3) 20. (5)
25. (4) 26. (3) 27. (2) 28. (4) 21. (2) 22. (4) 23. (2) 24. (1)
221. (1) 222. (4) 223. (3) 224. (3)
29. (5) 30. (4) 31. (1) 32. (5) 25. (5) 26. (2) 27. (4) 28. (5)
225. (2) 22 6. (1) 22 7. (5) 22 8. (4)
33. (3) 34. (3) 35. (5) 36. (2) 29. (3) 30. (4) 31. (3) 32. (2)
22 9. (5) 230. (3) 231. (3) 232. (2)
37. (4) 38. (3) 39. (2) 40. (4) 33. (4) 34. (1) 35. (5) 36. (4)
233. (5) 23 4. (5) 23 5. (5) 23 6. (2)
41. (5) 42. (1) 43. (1) 44. (2) 37. (2) 38. (4) 39. (2) 40. (4)
23 7. (4) 23 8. (1) 23 9. (1) 240. (5)
45. (4) 46. (3) 47. (5) 48. (1) 41. (4) 42. (4) 43. (2) 44. (1)
241. (4) 242. (2) 243. (3) 244. (4)
49. (2) 50. (4) 51. (5) 52. (3) 45. (1) 46. (3) 47. (4) 48. (2)
245. (4) 246. (1) 247. (2) 248. (5) 49. (5) 50. (3) 51. (3) 52. (5)
53. (2) 54. (4) 55. (5) 56. (3)
249. (3) 250. (3) 251. (4) 252. (3) 53. (2) 54. (1) 55. (2) 56. (1)
57. (4) 58. (4) 59. (1) 60. (3)
253. (5) 254. (4) 255. (2) 256. (3) 57. (2) 58. (4) 59. (3) 60. (1)
61. (2) 62. (4) 63. (2) 64. (5)
257. (1) 258. (2) 259. (5) 260. (2) 61. (2) 62. (1) 63. (3) 64. (1)
65. (1) 66. (2) 67. (1) 68. (2)
261. (5) 262. (2) 263. (5) 264. (4) 65. (4) 66. (5) 67. (4) 68. (3)
69. (3) 70. (4) 71. (2) 72. (4)
265. (3) 266. (4) 267. (3) 268. (1) 69. (4) 70. (1) 71. (4) 72. (3)
73. (3) 74. (3) 75. (1) 76. (4)
77. (4) 78. (1) 79. (1) 80. (3) 269. (3) 270. (4) 271. (5) 272. (1) 73. (3) 74. (1) 75. (2) 76. (5)
81. (3) 82. (1) 83. (2) 84. (1) 273. (3) 274. (1) 275. (3) 276. (1) 77. (1) 78. (5) 79. (4) 80. (1)
85. (5) 86. (4) 87. (1) 88. (4) 277. (2) 278. (2) 279. (4) 280. (3) 81. (5) 82. (2) 83. (3) 84. (2)

I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-350-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
 COMPREHENSION TEST
85. (1) 86. (4) 87. (4) 88. (3) 18. (4) Th e debt-equ ity swap sh ou ld 50. (5) Ad vo ca t e b r oa d en i n g t h e
be ban n ed. scop e of r esear ch an d u se of
89. (4) 90. (2) 91. (2) 92. (3) tech n ology in agricu ltu re
19. (1) I t i s a r el a t i v el y s i m p l e
93. (2) 94. (3) 95. (1) 96. (3) th eory. 51. (2) On ly (B) (3) On ly (C)
97. (1) 98. (3) 99. (2) 100. (3) 20. (2) Th e cu rr en cy ex ch an ge rate 52. (3) Obst acles from st atu tory au -
101. (3) 102. (2) 103. (3) 104. (1) wi ll in cr ease. th orities
105. (4) 106. (2) 107. (4) 108. (4) 21. (4) Posit ive in cen t i ve effects of 5 3 . (4) On ly (B)
109. (5) 110. (1) 111. (5) 112. (5) debt star ted decreasin g. 54. (4) On ly (B)
113. (1) 114. (2) 115. (5) 116. (1) 22. (5) Non e of th ese 55. (1) All (A), (B) an d (C)
23. (4) Th e i n terest rates wi ll start 56. (4 ) On ly A
117. (5) 118. (2) 119. (3) 120. (4)
in creasin g. 57. (2) Th ey h ave to op erate p u rely
121. (2) 122. (4) 123. (4) 124. (3)
24. (3) On ly (A) an d (B) on a n on -pr ofi t b asi s.
125. (2) 126. (1) 127. (1) 128. (2) 25. (5) Not clearly m en ti on ed i n t h e 58. (4) Th e poor were expl oit ed
129. (1) 130. (5) 131. (3) 132. (2) p assage. 59. (4) Th e i n terests of t h e m ost d e-
133. (2) 134. (1) 135. (2) 136. (5) 26. (4) Neith er (A) n or (B ) n or (C) servi n g am on g t h e poor wi ll be
137. (1) 138. (3) 139. (1) 140. (2) 27. (2 ) Th e tren d of su bstan tial i n - n egl ected.
cr ease i n valu e of stock s 60. (5) Non e of th ese
141. (3) 142. (1) 143. (3) 144. (2)
28. (4 ) Th e m ar k et s i n b ot h t h e 61. (1) En su rin g loyalty of their cu s-
145. (4) 146. (5) 147. (4) 148. (5) tom ers.
grou pd of cou n t ries h ave sh own
149. (5) 150. (3) 151. (5) 152. (1) u p ward tren d 62. (3) On ly (C)
153. (1) 154. (3) 29. (5 ) Non e of th ese 63. (4) All (A), (B) an d (C)
30. (4 ) It pr olon ged t h e low in t erest 64. (3) Th e n u m ber of t h e p oor wh o
rate r egi m e ben efit from access t o cr edi t i n -
EXPLANATIONS 31. (2 ) In i n verse pr oporti on cr eases.
32. (1 ) All t h e th r ee 65. (3) Microfin an ce i s exp erien cin g
NATIONALISED BANKS 33. (3 ) Mark ets sh ow a gen eral ri se a h igh gr owt h r ate at presen t.
& IBPS PO/MT/SO in th e in dices all over t h e globe 66. (3) on ly (A) an d (B)
34. (3 ) Eith er (B) an d (C) on ly 67. (2) Th ey h ave sm all er dom est ic
1. (5 ) Non e of th ese 35. (4 ) a t r an si t i on fr om u n d er - m ark et si ze
2. (5 ) Not get tin g en ou gh fin an ci al develo-pm en t t o en rich em en t 68. (1) To becom e on e of th e m ost
assistan ce 36. (2) Oth er govern m en t relief m ea- develop ed n ation s
3. (2) All (A), (B ) an d (C) su res h ave p roved in effective. 69. (1) Sci en ce an d Tech n ol ogy
4. (3 ) carr yin g ou t r esearch i n t h e 37. (5) Th ey will be an gry at bei n g 70. (4) Al l t h e t h ree (A), (B ) an d (C)
ar ea of th eir in t erest pen ali sed for h on esty 71 . (1) rem ain dysfu n ction al
5. (1) UGC wan ts teach ers to sp en d 38. (3) Loan s sh ou l d b e d isb u rsed 72 . (4) Al l t h e t h ree (A), (B ) an d (C)
m i n im u m 40 h ou r s i n a week in directly into ban k accou nts of the 73 . (2) 20 –30 years
teach in g farm ers u sin g th e latest tech n ol- 74 . (4) Econ om ic growth n eeds to be
6. (5 ) d ecr eased by 1% ogy. dr iven by scien ce an d tech n ol o-
7. (4 ) Pu bli c i n vestm en t in h igh er 39. (3 ) Corru pt ban k officials were gy
edu cation h as increased in In dia. th e u n in t en d ed b en eficiari es of 75. (3) Th ey ar e war y of cu m b er -
8. (3) Do not appoin t an y perm an en t th e l oan s. som e p oli ce form ali ties an d l e-
t each er. 40. (2) On ly (B) gal system s
9. (3 ) We believe i n a u n i ty of spir it 41. (1) It wi ll h ave an adverse psy- 76. (1) M an m ad e d i sast er s occu r
an d n ot of organ i zation ch ological i m pact on th ose wh o m ore frequ en tly th an n atu ral di-
10. (4 ) Sear ch can n ot avail of th e waiver. sast er s.
11. (2) We sh ou l d n ot asser t th at 42. (2) Both (A) an d (C) 77. (5) Non e of th ese
ot h er religion s h ave n o defin i te 43. (4) On ly (C) 78. (4) Th e gover n m en t is apat h et ic
pat h way or goal 44. (4) Far m er s wi ll m ak e i t a h ab it an d h as n ot m an aged t o h an d le
12. (5 ) Non e of th ese to defau lt on loan s di sast ers effect ively
13. (1) on e religion swallows all other 45. (4) To en su r e t h ey wi l l b e r e- 79. (5) It is an em ergen cy m an age-
religion s elected m en t ser vice.
14. (2) On ly (B) 46. (4) Both (A) an d (C) 80. (2) Lack of disaster m an agemen t
15. (1) To ridicu le th e views sin cerely 47. (2) Ap pl icati on of sci en tific r e- tr ain in g for m edical staff
h eld by oth ers sear ch on l y i n d em on st r at i on 81. (2) Th ei r wor k i n g t oget h er t o
16. (2 ) wan ts to steal a m arch over farm s m an age d i sast er s com p l et el y
others 48. (5) Non e of th ese k eepin g pu blic in terests in m in d
17. (4 ) B or r owi n g fr om b an k s b y 49. (5) Non e of th ese 82. (5) Non e of th ese
m ort gagin g equ it y sh ar es. 83. (2) Both (B) an d (C)

I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
 COMPREHENSION TEST
84. (1) Non e (2) On l y (B) 118. (4) If th e pr ice of oi l i s h i gh for a th en d ecid in g th e price at wh i ch
85. (4) Bot h (B ) & (C) sh ort ti m e it does n ot n ecessar - th ey wan t t o b u y
86. (1) On ly (B) il y r esu lt in a dr op in con su m p- 146. (2 ) On lin e sh opp in g -u n affect ed
tion. by recessi on
87. (3) Th ey h ave t o en su re a su ffi-
ci en t am ou n t of th eir farm pr o- 119. (4) Political stability in oil export- 147. (2) On ly (B)
du ce is sol d. in g cou n tries 148. (4 ) B y en a b l i n g c u s t o m er s
88. (5) Non e of th ese 120. (5) Non e of th ese th rou gh t h ei r websi te to i n ter -
89. (2) Citizen s sh ou ld be gratefu l to 121. (3) OPEC h as d ecid ed t o restri ct act wi t h fr i en d s an d rel at i ves
farm ers an d their fam ilies for th e it s p rod u ct ion of oi l. befor e bu yin g a produ ct.
h ard sh ips born e by th em to cu l- 122. (2) Exorb it an t cr u de oil p ri ces 149. (1) On ly A
ti vat e cr ops an d safegu ar d n a- m ade altern ative en er gy sou r c- 150. (4) Al l A, B an d C
tion al food secu r ity es an at tractive opti on 151. (3) Th e r eport m en t ion in g th at
90. (2) Th ey are detrimen t to th e sys- 123. (4) To st art look in g at n ewer av- only a small percentage of gradu -
tem of len din g. en u es an d m ark et s. ates were employable in software
91. (3) Cu rren t agri cu l tu r al growth 124. (3 ) B ecau se J apan ese m ark ets in du stry
is below fou r per cen t. h ave b een goin g th r ou gh a per i- 152. (4) As in th ese sector s, com m er -
92. (1) Both (A) & (C) od of con tinu ou s recession sin ce cial organisation s sh ou ld also be
th e l ast decad e. al lowed t o en ter t h e edu cati on
93. (5 ) Non e of th ese
125. (5) Non e of th ese sector
94. (5 ) Th e gram sabh a can b e en -
tr u st ed wit h t h e t ask of id en t i- 126. (4) J apan ese d o n ot pu rch ase 153. (2) Th e com m ercialisation of ed-
fyin g far m er s. en dlessl y an d t h u s wh en prod- u cati on h as alr ead y start ed in
u cts h ad b een sold to ever y cu s- India
95. (2 ) Exorb itan t spen di n g d u ri n g
tom er, th e m ark ets slowed down . 154. (1 ) T o s u gges t t h e w a y s t o
r ecessi on s i s l i k el y t o b oost
econ om y 127. (2 ) On ly B im prove qu al ity of edu cati on in
128. (5 ) On ly C India
96. (1) Act u al spen din g m on ey d u r -
in g m eltd own is m ore im port an t 129. (3) On ly A 155. (2) Creation of au tonomou s insti-
t h an wh er e an d on wh at i t i s 130. (1) Con vi n ci n g th e cu stom er to tu t es for m an agem en t an d tech -
spen t bu y p rodu cts h e does n ot n eed. n ol ogy wh i ch w er e n ot u n d er
u n iversity con trol
97. (5) Non e of th ese 131. (2 ) On ly B an d D
156. (4) To pr ovi de freedom t o d eci de
98. (1) Goods an d Services Sect or 132. (4) Al l of th ese
on recru itm en t, salaries an d ad-
99. (3) i m p r u d en t p r o p o s a l s t o 133. (2) Th i s p r i m i t i ve l aw i s oft en m ission s
waste m on ey on u sed to ju stify th e accu m u lation
157. (5) Al l ar e tr u e
100. (2) (B) on ly of wealth by a sel ected few
158. (1 ) Non e
101. (3) m ay n ot h ave an y favou rable 134. (5) Non mentioned in th e passage
159. (1) Non e
im pact on attem pts to cou n t er 135. (3) On ly (A) an d (B)
recession 160. (2) Th e real isation th at con su m -
136. (4) It on ly look s for war d t o m a-
er s’ greed cau sed th e econ om ic
102. (4) All (A), (B) an d (C) terial com fort r ath er th an h ap-
recession of 200 9.
103. (2) (B) an d (C) on ly pin ess wit h in
161. (3) Et h ical con su m erism is prof-
104. (3 ) On ly (A) an d (C) 137. (4) Ex cess of wealt h i n western
it abl e for organ isati on s as well
105. (4 ) All t h e th r ee worl d wh il e peop le in poorer n a-
as societ y as a wh ole
ti on s str u ggle for su r vival
106. (4) (A) an d (B) on ly 162. (4) Th ey n eed to be h eld accou nt-
138. (3) On ly A an d B
107. (1) (A) an d (B) on ly ab le for th eir ru t h less bu sin ess
139. (1) to ex plai n t h at con su m eri st pr act ices
108. (1) (A) on ly
societies h ave th eir own draw-
109. (4) Th ere wi ll be on ly n egli gib le 163. (1) Th e com peti tion am on g com -
back s wh ich are overl ook ed by
ad dit ion to th e gr owth rate pan ies to boost th eir bottom lin e
t h ose w h o ar e b l i n d ed b y i t s
110. (2) On ly (B) – profit , p lan et an d people – is
m aterial glare
111. (4 ) All t h e th r ee very sti ff
140. (2) Peopl e sh ou ld visit th e ser -
112. (3 ) (B ) an d (C) on ly 164. (4 ) Recogn it ion of th e ch an gi n g
m on s more often sin ce th is is th e
dem an ds of cu st om ers
113. (4) Sp ecu lati on in oil does n ot on ly way to ach ieve p eace an d
h ave m u ch of an im pact on i ts h appin ess 165. (1 ) Non e
pr ice. 141. (1) Get th e best at optim u m price 166. (3 ) It is a waste of tim e as n ei-
114. (3) On l y C th er con su m ers n or com p an i es
142. (5 ) All of t h e above are n ot tr u e
both er t o d eterm in e t h ei r vali d-
115. (4) Th eir oil im port bills declin ed 143. (5 ) On ly (A) an d (C) ity
116. (1) On ly A 144. (3 ) More p eopl e in th e age grou p 167. (3) All (A), (B ) an d (C)
117. (3) Monitoring inflation in oil pric- of 1 8 t o 2 9 sp en d on on l i n e
1 6 8 . (1 ) Tu m b l i n g st ock m ar k et s,
es an d tak i n g n ecessary steps shoppin g
plu ngin g exports an d deteriorat-
to lower i t. 145. (4 ) B y con du cti n g research an d

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-352-
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i n g econ om i c gr owth wer e th e
cau ses of fi n an cial cr isi s.
1 69 .(3) Asia cou ld soon fin d itself sad-
d l ed wi t h overh eat ed m ar k et s
si m il ar t o t h e US h ou sin g m ar -
k et du e t o h igh er asset pr ices.
1 7 0 .(2 ) D isp u ti n g fin an ci al th eori es
ab ou t h ow r ecessi on s can b e
pr edi cted an d avoided.
1 7 1 .(4) All econ om ies are su scepti ble
to r ecessi on becau se of th e state
of th e US econ om y.
1 7 2 .(4 ) Th ese were app rop riat e an d
accom p li sh ed t h e goal of eco-
n om ic r evival.
173.(3) Abru pt drop in exports by Asian
cou n t ries.
1 74 .(1) Health y growth of econom y in -
di cat ed by GDP figu res.
1 7 5 . (4 ) E x p er t s ar e ap p r eh en si ve
ab ou t th e st ate of Asi an econ o-
m i es despit e t h ei r r ecover y.
1 7 6 .(5) As wit h drawal of fiscal st im u -
l u s, wil l k n ock m ar k et s for a
loop.
1 7 7 .(5 ) Mon ey in Ch i n a h as been es-
pecially easy to fin d.
178. (1) The focu s of th ese in stitu tion s
is on m ak in g a pr ofi t at an y cost
in stead of bein g ch aritable to th e
n eed y.
179. (3 ) Th e realisation t h at a lar ge
percen tage of th e Am erican pop-
u l ati on n ot r each ed b y m ai n -
st ream ban k s can b e tapped.
180. (4) Th ere i s scope for m icrofi -
n an ce in sti tu t ion s to be pr ofi t-
ab le in developed cou n t ries.
181. (5 ) Non e of th ese
182. (5) On ly (C)
183. (3 ) A di scu ssi on abou t t h e pros-
pect s of Gram een an d m i cr ofi-
n an ce in th e U. S.
184. (1 ) Non e
185. (5) B ack in g t h at b or rower s re-
ceive from oth er grou p m em bers
186. (5) Asian cou n tries h ave been ac-
ti vely op en i n g t h ei r m ark ets to
on e an ot h er
187. (4 ) Th e desire to ach ieve con d i-
tion s con du cive to global con sen -
su s on trade regu lation s an d tar -
i ffs
188. (3 ) On ly (A) an d (B)
189. (3 ) Wi den in g of di ffer en ces b e-
tween par ticipan t an d n on -par -
ticipant cou n tries will ham per glo-
bal stability
190. (4) All (A), (B ) an d (C)
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191. (4) It will alter the balan ce of pow-
er in th e Worl d wi th sm all Asi an
cou n t ries b ecom in g m ost dom i-
nant
192. (4 ) Asian cou n t ries n o lon ger ex-
port t o West er n m ark et s al on e
an d n ow cater t o Asian m ark ets
as well
193. (2) On ly (B)
194. (5) All (A), (B) an d (C)
195. (1) To im prove secu ri ty in ord er
to cou n ter i n creasi n g terr ori sm
196. (5) To br in g for th th e problem s
associ ated with th e In dia’s d e-
velop m en t an d t o su ggest m ea-
su re to cou n ter th em
197. (2) All (A), (B) an d (C)
198. (3) On ly (C)
199. (4) On ly (A) an d (C)
200. (2) Ch ild labou r an d th e resu l t-
in g d ear th of edu cat ed you th
201. (4) By al lot tin g pr oper fu n d s for
research wh ich can be pr edi ct
th e ou tcom e of su ch calam iti es
an d th u s d esign r elief m easu r es
202. (4) Bot h (1) an d (2)
203. (4) Credit card com pan ies are dis-
cr eet en ou gh t o provi de cr ed it
cards to on l y t h ose p eopl e wh o
gu arantee repaying m on ey in th e
fu tu re
204. (2) Break in g social barriers – tak -
in g t h e r ou t e of fin an cial i n du l-
gen ce
205. (2) On l y B
206. (3) in favou r of brin gin g back th e
fi n an cial rest ri ct ion s on ce im -
posed by th e society
207. (2) Th ey h ave b een drawin g co-
lossal salaries an d t u rn a bli n d
eye towar ds th e n eeds of fell ow
cou n trymen
208. (4) On ly B an d C
209. (3) Profit earn ed from credit card
compan ies has become an essen-
ti al com pon en t in th e econ om y
of a growin g n ati on
210. (3) In stead of edu cati n g p eop le
against risk y fin ancial in du lgence
211. (2) All (A), (B ) an d (C)
212. (4 ) On ly (B) an d (C)
213. (5) Tech n ology – Resh apin g t h e
Fu t u re of Ed u cat ion
214. (5 ) Non e of th ese
215. (1 ) An alyzin g th e stren gth s an d
weak n esses of a st u d en t an d
design in g an edu cat ion al syll a-
bu s accordin gly
COMPREHENSION TEST
216. (4 ) Th e edu cation syst em i s n ot
gu id ed by t ech n ology an d h en ce
th e p ace of learn in g is sl ow
217. (3) All (A), (B ) an d (C)
218. (3 ) On e wh o freely an d act ively
parti cip ates i n acqu i rin g sk il ls
an d k n owled ge i n a system at ic
m an n er.
219. (5) Th e d esi r e for m on ey h as
over sh ad ow ed t h e sear ch for
k n owl edge
220. (3) Research an d Acad em i cs —
Losin g t h e Bat tle Again st IT
221. (4) As k n owl edgeab le people sell
t h ei r ser vi ces for t h e h i gh est
pr ice possib le
222. (2) Th e fact th at th e best m in ds
do n ot wan t to becom e teach ers
an d th is in tu rn leads to good stu -
d en t s seek i n g k n owl ed ge el se-
wh er e
223. (4) On ly (A) an d (C)
224. (5) All (A), (B) an d (C)
225. (3) On ly (B) an d (C)
226. (1) On ly (B)
227. (2) Developm en t
228. (3) 7
229. (2) Bih ar
230. (4) HDI is as important as growth
rates
231. (4 ) To den ot e t h e states wh i ch
n eed gov er n m en t ’s m or e fo-
cu sed at ten tion
232. (4) Not m en ti on ed
233. (2 ) Th ese stat es h ave register ed
h igh er growth rates com pared to
th at of earl ier years
234. (2 ) Pover ty an d u n der develop-
m en t in t h ese states is st ill prev-
alent
235. (5) Gu jarat
236. (1 ) Th ese st ates h ave n ot sh own
im provem en t in th e gr owth rate
237. (3 ) Last 5 years
238. (4) B ei n g a Sen i or cit i zen an d
own in g a h ou se
239. (5 ) Non e of th ese
240. (3) Th e produ ct h as been revised
241. (1 ) Tr yin g t o get t ax exem pti on
for th e p rodu ct
242. (3 ) Stock Exch an ges
243. (4 ) Th ose wh o are stayin g wi th
th ei r ch il dren
244. (2 ) Pr oper ty
245. (5 ) Non e of th ese
246. (2) Th e p ligh t of t h ese p eop le is
n ot eviden t as th ey work late into
-353-

th e n igh t an d ar e n ot seen m u ch
du rin g th e day.
247. (5 ) Al l (A), (B ) an d (C) are tr u e
248. (2) Th e wom en do th e m ore dan -
ger ou s an d p h y si cal wor k of
sor t i n g t h r ou gh t h e gar b age
wh ereas m en m ostl y t ran sport
dr y garbage
249. (3) Th e In vi sib le Waste
250. (1) On ly (B) an d (C)
251. (1) Th e m ean i n g of th e word I n -
h abi t (Ver b) as u sed in th e pas-
sage is : t o l ive in a p arti cu l ar
pl ace; t o resid e i n .
Loo k at t h e sen t en c e :
Som e of t h e rare sp ecies th at in -
h abit th e area.
252. (5) The m ean ing of th e word For-
age (Ver b) as u sed in th e pas-
sage i s : t o sear ch for food /
som et h in g especial ly u sin g t h e
h ands.
Hen ce, th e words fo r agi n g an d
sear ch i n g are syn onym ou s.
253. (3) The m eaning of the word Mon -
et i ze (Ver b) as u sed in th e pas-
sage is : en cash .
254. (4) Th e m eanin g of the word Con -
si der (Ver b) as u sed in th e pas-
sage is : t o th in k ab ou t som e-
th in g carefu lly.
T h e w o r d D i s r e g a r d (Ve r b )
m ean s : to n ot con si der som e-
th in g; ign ore; to treat som eth in g
as u n im portan t.
Hen ce, th e words co n si der i n g
an d d i sr egar d i n g ar e an ton y-
mou s.
255. (5) Th e mean in g of th e word Haz-
ar dou s (Adj ect i v e) as u sed in
th e p assage is : d an gerou s; i n -
volvi n g r isk or dan ger, especial-
ly to som eb ody’s h eal th or safe-
ty.
H en ce, t h e wor d s h az ar d o u s
an d h ar m l ess are an ton ym ou s.
256. (5) Win ds in specific m on th s car -
ry h ar m fu l h eavy m etal par ticl es
fr om th e du st h eap s accu m u lat-
ed in th ese m in es
257. (5) Lu re for Gold - Th e Star k Re-
ality
258. (2) All (A), (B) an d (C)
259. (2) To br i n g for war d t h e pr ob -
lem s associated wi th gold m i n -
in g for In di a’s ben efit
260. (4) On ly (B) an d (C)
261. (1) On ly (A) an d (B)
262. (5) As In d ia i s com m i t ti n g t h e
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same m istak es comm itted by oth -
er d evel op ed n at i on s wh en i t
com es to gol d m in i n g
263. (2) As ex cavati on of gold releas-
es th e h igh est am ou n t of pollu t-
an ts in t o t h e air as com par ed to
an y oth er m etal
264. (5 ) Non e is tr u e
265. (4) Tax collection s
266. (3 ) Th e m igr ati on to far off bi g-
ger cities across d ifferen t stat es
wi ll b e r edu ced
267. (4 ) Can n ot b e d eter m in ed
268. (1 ) Ph rase be bu r st i n g at t h e
seam s m ean s : to be very fu l l,
especi all y of peopl e.
269. (3 ) To i m p r ove t h e qu al i t y of
sch ool s an d coll eges t o pr odu ce
sk i lled profession als
270. (1) Th e operatin g costs wou ld be
lower
271. (2 ) Im pr oved sou rce of i n com e
272. (5 ) Ru n a s ep a r a t e m ed i ca l
cou rse for t h ree an d a h al f years
wh ich can b e tak en u p on ly by
r u r al c a n d i d t es w h o w o u l d
u l t i m at el y ser ve i n t h e r u r al
areas.
273. (4) As th ese h ave fai led to m eet
th e n orm s set by th e cen tral gov-
ern m en t for ru n n in g th e college.
274. (4) On ly (B) an d (C)
275. (5) All (A), (B) an d (C)
276. (1) Healthcare in India -The Qu es-
tionable Ch an ges
277. (3) Deart h of teach in g facu lt y.
278. (2) All (A), (B) an d (C)
279. (2) To brin g to ligh t th e problem s
faced by th e h ealth care sect or
i n I n d i a d es p i t e c h a n ges
su ggested an d goad th e gover n -
ment into attachin g priority to the
sect or.
280. (2) Th er e h ave b een exam p l es
th rou ghou t the world that th e big
retai l ch ain s fu rt h er det eri orate
th e con d iti on of t h e far m er s.
281. (3) th e r etail ch ai n gian ts th em -
selves pr oved t o b e a ram bli n g
version of th e sm al ler m id dl e-
m en .
282. (5) Non e i s tr u e
283. (5) th e r etail ch ai n s h ave fail ed
to ben efi t t h e far m er s th u s for c-
in g t h e govern m en t to com e to
th eir rescu e.
284. (4) On l y (B) an d (D)
285. (2) is again st th e ar gu m en t th at
retail chain gian ts can h elp com e
COMPREHENSION TEST
to th e rescu e of farm ers i n In -
dia.
286. (3) Su per m ar k et – A su per ri sk
for farm ers
287. (4) Hu ge su bsidies are being pro-
vided by th e govern men t to these
far m er s.
288. (1) On ly (A) an d (C)
289. (5) Ph rase pal m som et h i n g o ff
m ean s : to tel l som ebody th at
som et h in g i s b etter th an i t i s,
especi all y i n or der to sel l i t.
290. (4) Th ey believe th at t h ese in sti-
tu tion s h ave the requ isite k n owl-
ed ge an d wi ll act on l y i n favou r
of th e gen eral pu bli c.
291. (2) As th e i n st itu t ion is respon -
si ble for n ot en cou ragin g exam -
in ers to ven t u re ou t side th e rote
p r ocess.
292. (2) Little Deceptions Add to Larg-
er Tr u st -Deficit
293. (1) On ly (A) an d (C)
294. (5) All (A), (B) an d (C)
295. (2) On ly (B) an d (C)
296. (3) Th ese i n t r u d e i n ou r l i ves
on ly u n der excepti on al ci rcu m -
st an ces wh er eas th e everyd ay
li es con tri bu te to m u ch m or e.
297. (1) Th e m ean in g of th e word Ob-
l i gat i o n (Nou n ) as u sed in t h e
passage is : r espon si bil ity; t h e
stat e of b ein g forced t o do som e-
th in g becau se i t is you r d u t y;
comm itment).
Loo k at t h e sen t en c e :
We h ave a m oral ob ligati on to
pr otect t h e en viron m en t.
298. (1) Th e m ean i n g of th e wor d Ex -
per t i se (Nou n ) as u sed i n t h e
passage is : expert k n owledge or
sk ill in a par ticu lar su bject or
activity; p rofici en cy.
Loo k at t h e sen t en c e :
Th ey h ave con si der abl e exper -
ti se in dealin g with oil sp ill s.
299. (2) Th e m ean in g of th e word Pre-
m i u m (Adj ect i v e) is : Very h igh ;
of h i gh qu al ity; extr a.
300. (3) Th e m ean i n g of th e wor d Re-
co u n t (Ver b) as u sed i n th e pas-
sage is : t o t ell som ebody abou t
someth in g; especially som ethin g
th at you h ave ex perien ced ; n ar -
rat e.
Loo k at t h e sen t en c e :
Sh e was ask ed to r ecou n t t h e
details of th e con versation to th e
cou rt.
-354-

301. (3) Th e m ean i n g of th e wor d Re-
peat (Nou n ) as u sed in th e pas-
sage is : an even t th at is very
si m il ar t o som eth i n g th at h ap-
pen ed before; t o h app en agai n .
H en c e, i t s a n t o n y m s h ou l d
be n ew.
302. (3) Th e m ean i n g of th e word Un -
sk i l l ed (Adj ect i v e) as u sed in
th e p assage is : n ot h avi n g or
n eedi n g special sk ill s or t rai n -
ing).
Th e wor d Am at eu r (Ad j ec t i v e)
m ean s: doin g som et h in g for en -
joym en t or in terest, n ot as a job.
Hen ce, its an ton ym sh ou ld be
am at eu r.
303. (5) The m ean ing of th e word M i s-
er abl e (Adj ect i ve) as u sed in th e
passage is : very u n h appy or u n -
com fortab le, depressin g.
Loo k at t h e sen t en c e :
Th e p lay was a m iserable fai l-
u r e. It s an ton ym sh ou ld be j o y -
ou s wh ich m ean s : very h app y;
cau sin g people to be h appy ; joy-
fu l.
304. (5 ) Non e of th ese
305. (3 ) H igh dep en d en ce of m an y on
for est s
306. (1 ) M ore lan dless wom en
307. (3) B en efitti n g with ou t self i n ter -
est
308. (4 ) Top-down ap proach to Com -
m u n ity forestry
309. (5 ) Non e of th ese
310. (1 ) Depen d en ce for ces th em t o
extract an d also h ave con cern for
con servation
311. (4 ) are able to m eet con servati on
ob ject ives as well as th ei r own
in terest
312. (3 ) Ch ild ren becom e m ore aware
abou t con servation
313. (2 ) As t h e tem peratu r es m ay ri se
al m ost by an add iti on al on e d e-
gr ee an d th is m ay lead t o severe
clim ate ch an ge.
314. (5 ) Non e of th ese
315. (1 ) Th e t em p eratu r e wou ld ri se
fr om t h e cu r ren t tem peratu re by
2.2 d egr ees Celsi u s
316. (3) A stu dy of th e effects of green -
h ou se gas em ission s
317. (4) Th e carbon dioxide em ission s
will be abou t 750 ppm at th e en d
of th is cen tu ry if u n ch eck ed.
318. (4 ) Th e i ll-effect s of th e ch an ge
in cli m ate can be m in im ized
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319. (5) To exam i n e th e im p act s of
em i ssion cu t s on clim ate
320. (2 ) On ly (A) an d (B)
321. (4) m isconception s abou t th e aid
gi ven to t h e p oor n ati on s by d e-
velop ed cou n tri es
322. (2) im provin g th eir own n ation al
beh aviou r
323. (3 ) despi te ram p an t corru p tion ,
n ation s m ay pr osp er
324. (1) reason ably good -govern an ce
325. (5 ) All t h e th r ee
326. (2 ) n ot factu ally correct
327. (4) the U.S., on its own , assu m es
the obligation of h elpin g th e poor
cou ntries
328. (1 ) Th e U.S. ai d m ean t for p er
capita African does n ot reach th e
in cu mben t
329. (3 ) an alyze th e actu al qu an t u m
of ai d agai n st th e perceived on e
330. (2) im provin g their perform ance,
efficien cy wh i ch r esu lts in eco-
n om ic growth
331. (1) m otivatin g with ou t m ak in g it
com pu lsory
332. (4) Not i n di cat ed in th e passage
333. (5) com pletely volu n tary
334. (3) to brin g-in from ou tside
335. (1) rem ain s com m itted
336. (2) To en su re th at th ey do wh at
is stipu lated
337. (3) Offer in g tax con cession s on
ex pen ditu re on su ch activiti es
338. (3) Neither man datory nor volu n-
tary
339. (2) good r ecord
340. (3) By m ak in g th em aware of th e
l i n k ages b et w een wat er con -
su m ption for dail y activities an d
th e resou rce u tilization an d su b-
sequ en t ecologi cal dest ru ct ion
associat ed wit h i t.
341. (3 ) Wa t er i s fa i r l y r ec y c l ed
throu gh grou ndwater restoration
du e to water -loggin g an d su r face
water evap oration .
342. (5) Th e Rou te to Con servation of
Water Resou rces
343. (5) Th e bu reau sh ou ld start with
ad op t i n g m easu r es wh i ch ar e
si m pl e t o execu te an d pr odu ce
im m edi at e resu l ts i n redu ci n g
water wastage.
344. (4 ) On ly (B) an d (C)
345. (2 ) Th ere is com par ati vely less
seriou s water m i su se i n th e d o-
m esti c sect or
COMPREHENSION TEST
346. (1 ) On ly (A) an d (C)
347. (2 ) On ly (A) an d (B)
348. (3) Ever yon e wan t s t o b ecom e
ri ch at th e sam e tim e.
349. (4) On ly (B) an d (C)
350. (3) It shou ld be invested in spar -
in gly.
351. (2) On ly (A) an d (B)
352. (2) It s su rgi n g dem an d wil l n ot
be m et wi th an adequ ate su pp ly
an d will brin g abou t a down tu rn
in th e In di an econ om y.
353. (5) All (A), (B) an d (C)
354. (1) Most gold t h at is u sed is also
r ecycled an d t h er e is n o n eed
for fresh su ppl y.
355. (4) Th e B u bb le Arou n d th e Yel-
low M etal.
356. (5) Th ey do n ot th in k in n ovative-
l y in t h e d ir ect i on of b r i n gi n g
ab ou t a ch an ge i n h igh er edu ca-
ti on an d ar e stu ck i n a ru t.
357. (5) All (A), (B) an d (C)
358. (2) On ly (A) an d (C)
359. (3) On th e basi s of its fair ly com -
p et en t gr ad u at es an d a l ar ge
n u m ber of edu cated popu lati on .
360. (2) St ate of Hi gh er Edu cati on in
India
361. (4) On ly (A) an d (B)
362. (1) On ly (B)
363. (4) On ly (B) an d (C)
364. (1) On ly (C)
365. (3) Th ese sectors are st agn ati n g
an d b adl y i n n eed of reform s.
366. (5) U n r efor m ed sect or s ar e a
dr ag on econ om i c gr owt h .
367. (1) On ly (A)
368. (2) Exh ortin g In dia to implem en t
m easu res to live u p t o its pot en -
tial
369. (4) Form u lati on of pol icies an d
th ei r im plem en t at ion i n fact or
m ark ets
370. (5 ) Ru n a s ep a r a t e m ed i ca l
cou rse for t h ree an d a h al f years
wh ich can b e tak en u p on ly by
r u r al c a n d i d t es w h o w o u l d
u l t i m at el y ser ve i n t h e r u r al
areas.
371. (4) As th ese h ave fai led to m eet
t h e n or m s set b y t h e cen t r al
gov er n m en t fo r r u n n i n g t h e
college.
372. (4) On ly (B) an d (C)
373. (5) All (A), (B) an d (C)
374. (3) Deart h of teach in g facu lt y.
375. (2) All (A), (B) an d (C)
-355-

376. (2) To brin g to ligh t th e problem s
faced by th e h ealth care sect or
i n I n d i a d es p i t e c h a n ges
s u gges t ed a n d go a d t h e
go v er n m en t i n t o a t t a c h i n g
pr ior ity to th e sector.
377. (5) All (A), (B ) an d (C)
378. (4) Ben efit m ost n u m ber of peo-
pl e t h rou gh least u sage of r e-
sou rces an d m axim u m ou tpu t.
379. (2) In dia An d Th e Elix ir Call ed
In novation
380. (2) Sar castic
381. (3) Failu re to in n ovate in ord er
to fin d solu tion s.
382. (3) It is react ive an d n ot a pr o-
active an d organ ised m eth od of
fin din g sol u tion s t o pr oblem s.
383. (2) On ly (A) an d (B)
384. (5) M in i m u m u sage of ear t h ’s
n atu ral r esou rces.
385. (5 ) Al l (A), (B) an d (C
386. (4) Ben efit m ost n u m ber of peo-
pl e t h rou gh least u sage of r e-
sou rces an d m axim u m ou tpu t.
387. (2) In dia An d Th e Elix ir Call ed
In novation
388. (2) Sar castic
389. (3) Failu re to in n ovate in ord er
to fin d solu tion s.
390. (3) It is react ive an d n ot a pr o-
active an d organ ised m eth od of
fin din g sol u tion s t o pr oblem s.
391. (2) On ly (A) an d (B)
392. (5) M in i m u m u sage of ear t h ’s
n atu ral r esou rces.
393. (1 ) Th e w or d R ed r ess (Ver b )
m ean s : t o cor r ect som eth i n g
that is u n fair or wron g; pu t right;
ad d ress.
394. (2) Th e word Cu r r en cy (Nou n )
m ean s : th e fact th at som eth i n g
is u sed or accep ted by a l ot of
peopl e; u sage.
395. (3 ) Th e word I n t r i n si c al l y (Ad-
v er b) m ean s : reall y; fu n dam en -
tally; basically.
396. (5) Th e word I n di cat i v e (Adj ec-
t i v e) m ean s : sh owin g or su g-
gesti n g som eth i n g; su ggestive.
397. (2 ) T h e w o r d C o m p r o m i s e
(Ver b) m ean s : r ed u ci n g t h e
qu ality; to do something that does
n ot r each th e stan dar d.
398. (4) T h e w o r d L a c k (N o u n )
m ean s : deart h , t h e state of n ot
h avin g ex cess of som et h in g.
Its an ton ym sou ld be adequ acy .
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COMPREHENSION TEST
399. (4) Th e word I n con cei v abl e (Ad- 412. (2) On ly (A)
j ect i v e) m ean s : im possib le to 413. (4) On ly (A) an d (B)
im agin e or believe; u n th in k able; 414. (3) On ly (A) an d (B)
in cred ible.
415. (3) On ly (B) an d (C)
Its antonym sh ou ld be appar en t .
416. (1) H u ge i n d u st ri es set u p b y
400.(3 ) Th e grou p of words K eep in th em cau se en vi ron m en tal pol-
t h e su n away m ean s : b lock th e lu tion.
su n t o p rot ect you rself from i ts
417. (5) Rol e of self em p l oym en t i n
h arm fu l effect s.
battling u nemployment and erad-
Loo k at t h e sen t en c e : ication of p over ty
We did ou r b est to k eep th e su n 418. (2) Sel f- em p l oym en t i s n ot as
away. gl am orou s as con ven ti on al (i n -
401. (1) Th e wor d Ev i d en t (Ad j ec - du strial) em ploym en t.
t i v e) m ean s : cl ear ; easi ly seen ;
419. (2) The Eu ropean economy is not
obviou s.
doin g ver y well
Loo k at t h e sen t en c e :
420. (4) On ly (C)
It h as n ow b ecom e evid en t to u s
th at a m ist ak e h as been m ad e. 421. (4) Th er e i s a ch an ce t h at i n
2012 th e econ om y wou ld do bet-
402.(1 ) Th e word Let (Ver b) m ean s :
ter th an wh at h as b een for ecast
to al low som ebody to do som e-
t h i n g or som eth in g to h ap pen 422. (4) Th e Cu rr en t Econ om ic Sce-
wi th ou t t ryin g t o st op ; t o gi ve nario
perm i ssion t o d o. 423. (3) On ly (B) an d (C)
Loo k at t h e sen t en c e : 424. (1) Th ese wil l b rin g abou t on ly
Let t h em sp lash ar ou n d i n t h e m in or growth
pool for a wh il e. 425. (2) Th e fall in th e ex ch an ge rate
It s an ton ym sh ou ld be st opp ed wi ll prove b en eficial to In d ia
(V 2 ). 426. (5) All (A), (B) an d (C)
403. (3 ) Th e w or d H ar d (A d v e r b ) 427. (4) To st art look in g at n ewer av-
m ean s : n eed in g or u sin g a l ot en u es an d m ark et s.
of ph ysical strength or m en tal ef- (5 ) Non e of th ese
fort; wit h great effor t.
428. (3 ) B ecau se J apan ese m ark ets
Th e w or d L ei su r el y (A d v er b) h ave been goin g th rou gh a p e-
m eam s : don e wi th ou t h u rr yin g. r i od of con t i n u ou s r ecessi on
Loo k at t h e sen t en c e : si n ce th e l ast decad e.
Cou pl es str oll ed l eisu rely alon g 429. (5 ) Non e of th ese
th e b each . 430. (4) J apan ese d o n ot pu rch ase
404. (5) Th e word St r an ge (Adj ect i ve) en dlessl y an d t h u s wh en prod-
m ean s : u n u su al or su rpri sin g, u cts h ad b een sold to ever y cu s-
especiall y i n a way th at is d iffi- tom er, th e m ark ets slowed down .
cu lt to u n d erstan d. 431. (2 ) On ly B
Loo k at t h e sen t en c e : 432. (5 ) On ly C
It is str an ge h ow ch il dh ood i m - 433. (3) On ly A
pr essiosn li n ger.
434. (3) Den yi n g m or e loan s to peo-
It s an ton ym sh ou ld be u su al .
ple wh o h ave already tak en loan s
405. (5) A dream of a k i n g to a logical lim it.
406. (5) Non e of th ese 435. (2 ) On ly B an d D
407. (3) It assu m ed th at th e clou ds 436. (3) 19 79
were stron ger t h an th e su n .
437. (1) 2.9%
408. (1) The clou d cou ld not affect th e
438. (2) Fi n an cial t u rm oil an d r isi n g
bou lder.
com m odit y prices
409. (2) Th e k in g desired t o be m ore
439. (3) h o u seh ol d i n co m e on an
power fu l th an h e already was.
in tern ation al scale
410. (2) Th e p rofit of su ch en ter pri s-
440. (4) 93 per cen t
es does n ot rem ain in th e h ost
n ation ; rath er it goes back to th e 441. (1) m an u factu red goods
sh are h ol der s an d own ers of t h e 442. (2) Br oaden (Ver b) = to affect or
par en t com pan y. m ak e som et h i n g affect m or e
411. (3) Analytical peopl e or th in gs; widen .
-356-

Th e p arty n eeds to br oaden i ts
ap peal to voter s.
443. (2) On a par wi t h som ebod y /
s o m et h i n g = a s goo d , b a d ,
im p ortan t as som ebody.
444. (1 ) Vo l a t i l e (A d j e c t i v e ) =
ch an gin g easily, lik ely to ch an ge
su dden ly; u n stabl e.
445. (4) Rev eal (Ver b) = disclose; to
m a k e s o m et h i n g k n o w n t o
som eb ody.
C o n c e a l (Ve r b ) = t o h i d e
som eth in g.
446. (5) Asian cou n t r ies h ave b een
actively open in g their mark ets to
on e an ot h er
447. (4 ) Th e desire to ach ieve con d i-
tion s condu cive to global con sen-
su s on trade regu lation s an d tar -
i ffs
448. (3 ) On ly (A) an d (B)
449. (3 ) Wi den in g of differ en ces b e-
tween par ticipan t an d n on -par -
ti ci pan t cou n tr ies will h am p er
global stability
450. (4) All (A), (B ) an d (C)
451. (4) It will alter the balance of pow-
er in th e Wor ld wit h sm all Asi an
cou n t ries b ecom in g m ost dom i-
nant
452. (4) Asian cou n tries no longer ex-
port to Wester n m ark ets alon e
an d n ow cater t o Asian m ark ets
as well
453. (1) The word Cri t i cal (Adject i ve)
as u sed i n t h e passage m ean s :
ex trem el y i m por tan t b ecau se a
fu tu r e si tu aiti on will be affect ed
by it ; cru ci al; seriou s
Hen ce, th e words cr i t i cal an d
u n i m por t an t are an ton ymou s.
454. (5) Th e wor d Fr esh (Ad j ec t i v e)
m ea n s : n ew ; m a d e o r
ex per ien ced recen t ly
H en ce, t h e w or d s f r esh an d
m o der n are syn on ym ou s.
455. (2) On ly (B)
456. (5) Non e of th ese
457. (3) High depen den ce of m an y on
for est s
458. (1) More lan dless wom en
459. (3) B en ef i t t i n g w i t h o u t s el f
in terest
460. (4) A fin e balan ce bet ween con -
servation an d com m ercial forest-
ry
461. (1) Depen den ce forces th em to
extract an d also h ave con cern for
con servation
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COMPREHENSION TEST
462. (4) are able to m eet con servation id ea of reform i n g th e system .
ob ject ives as well as th ei r own 481. (1) Ex h or t (Ver b) = (to tr y h ard
in terest t o p er su ad e som eb od y t o d o
463. (1 ) Th e wor d Co n t r o l (Ver b ) som eth in g : u rge).
m ean s : t o h ave power over a Loo k at t h e sen t en c e :
person et c; to l im i t som et h in g; Th ey h ad been exh orted t o ac-
to m an age to m ak e you rsel f r e- tion.
m ain cal m ; t o st op som et h i n g
482. (2) J et t i son (Ver b) = (to th r ow
from gettin g worst or spreadin g).
som et h in g to m ak e ligh ter ; to
Loo k at t h e sen t en c e : get r id of ; d iscard ).
Fi r efi gh t er s ar e st i l l t r yi n g t o Loo k at t h e sen t en c e :
con trol t h e blaze.
He was jettison ed as team coach
464. (3) Th e wor d Par ad o x (No u n ) after defeat.
m ean s : a p erson , th i n g or sit u -
483. (1) D i c h o t o m y (No u n ) = t h e
at ion th at h as two op posite fea-
separ ation t h at ex ist s between
t u r es a n d t h er ef o r e s eem s
two grou p s t h at ar e com pl etely
st ran ge; a statem en t con tain i n g
op posite to each oth er.
two opposit e i deas.
484. (2) I n con t rov er t i ble (Adject i ve)
465. (2) Th e word Ac u t e (Ad j ec t i v e)
= th at is tru e an d can n ot b e di s-
m ean s : very ser iou s or sever e.
agreed or den ied ; in dispu table.
Loo k at t h e sen t en c e :
Di spu t abl e = th at can or sh ou ld
Th er e is an acu t e sh or t age of be qu esti on ed or argu ed abou t.
wat er.
485. (4) Ov er l y (Adv er b) = too very
471. (1) Ro bu st (Adj ect i v e) = st ron g ; excessively
an d h ealt h y ; able to su r vive b e-
Meagrely = sm all in qu an ti ty
in g u sed a lot and lik ely to break
Loo k at t h e sen t en c e :
; stu rdy ; vigorou s.
I am n ot overly fon d of p ast a.
Loo k at t h e sen t en c e :
492. (1) Bu oy an t (Adj ect i v e) = (ten d-
It was a typ ically robu st per for -
in g t o in crease or st ay at a h i gh
m an ce by th e for eign secretar y.
level , u su ally sh owin g fin an ci al
472. (1) Em er gen ce (Nou n ) = com in g
su ccess)
ou t of a con fi n ed th i n g ; b ecom -
493. (3) Rev i v e (Ver b) = (m ak e som e-
in g k n own ; tran sp iration .
th in g start again )
Loo k at t h e sen t en c e :
Loo k at t h e sen t en c e :
Th e em er gen ce of n ew tech n ol-
Th is qu ain t cu stom sh ou ld be
ogies h as eased th e h u m an life.
r evi ved .
473. (1) Co l l abor at e (Ver b) = to work
494. (3) Ben i gn (Ad j ec t i v e) = k i n d
toget h er wi th som ebod y i n or -
an d gen tle ; n ot h u rtin g an ybody
der t o ach i eve som et h in g.
495. (4) Of fl oad (Ver b) = (t o get r id
Loo k at t h e sen t en c e :
of som eth in g)
Sh e agreed t o coll aborate wi th
Loo k at t h e sen t en c e :
h i m i n writ in g h er bi ogr aph y.
Th ey sh ou l d st op offl oad i n g
474. (2) Par am o u n t (A d j ec t i v e) =
waste from oil t an k ers in t o t h e
m ore im p ort an t th an an yth i n g
sea.
el se ; h avin g th e h igh est posi-
tion. 501. (1) M el d (Ver b ) = t o com b i n e
wi t h som et h i n g else; t o m ak e
Loo k at t h e sen t en c e :
som et h in g com b in e wi th som e-
Safety is param ou n t.
th in g else; blen d.
475. (3) Em br ac e (Ver b) = to accept
502. (2) Un f at h o m abl y (Ad v er b ) =
an id ea, a proposal etc; t o i n -
too stran ge or difficu lt to b e u n -
clu de som eth in g.
derstood .
Rej ec t (Ver b) = to refu se t o ac-
503. (1) Rel y i n g (Ger u n d ) = n eedi n g
cept or con sider.
or d ep en d i n g on som et h i n g/
Lo ok at t h e sen t en ces : som eb ody; t r u st i n g or h avi n g
Ou r gover n m en t h as em b raced faith .
n ew tech n ology in telecom mu n i- Loo k at t h e sen t en c e :
cation .
Relyi n g on fal se frien ds is dan -
Th e Pr im e Mi n ist er rej ected an y gerou s.
-357-

504. (4) H u m bl e (Ver b) = t o defeat an
op p on en t ; t o m ak e som eb od y
feel th at th ey are n ot as good or
im por tan t as th ey th ou gh t th ey
wer e.
Loo k at t h e sen t en c e :
Th e world ch am p ion was h u m -
bl ed last n igh t in th ree rou n d s.
505. (5) Fo st er (Ver b) = to en cou r age
som e bod y; prom ot e.
Loo k at t h e sen t en c e :
Th e cl u b’s ai m is to foster bett er
relation s.
506. (4) Last (Adj ect i v e) = previou s,
latest, h in d m ost, m ost recen t.
Look at t h e sen t en ce.
Th e l ast tim e I saw h im was in
May.
508. (2) Cr owd (Ver b) = t o m ove in
large n u m ber s; flock .
Look at t h e sen t en ce
We al l cr owd ed in t o h er offi ce to
sin g ‘Happy Birth d ay‘.
512. (1) Li m i t s (No u n ) = restr iction s,
ca p s ; an u p p er l i m i t o n an
am ou n t of m on ey th at can b e
sp en t or bor rowed.
Look at t h e sen t en ce
Th e E u r op ean Un i on h as set
st rict li m it s on l evels of p oll u -
tions.
517. (1) T en t at i v el y (Adv er b) = n ot
defin itel y or certain l y; h esi tan t-
ly.
519. (3) Fai l (Ver b) = to n ot be su c-
cessfu l i n ach ievin g som et h in g.
Look at t h e sen t en ce
I fai l ed i n m y at t em pt t o p er -
su ade h er.
SBI PO EXAMS
1. (4) Th e cl u e for an swerin g th is
qu est ion con tain s in fir st par a-
gr aph of th e p assage. Here lead-
er s ar e p resen ted as t h e agen ts
of ch an ge. Lead ers are n eeded to
bring chan ges or tran sform ing the
or gan i sat i on s. So, t h e an swer
is (4).
2. (2) At th e b egi n n i n g of th e sec-
on d paragrap h , t h e au t h or tel ls
u s t h at t h ou san d s an d t h ou -
sands of large organ isation s have
been created wh ich in tu r n h as
cr eated n eed for a lar ge n u m b er
of m an agers. Th is i s wh y u n iver -
sities an d com pan ies h ave devel-
op ed p r ogr am m es t o p r ep ar e
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m an agers in su ch a large n u m -
b er.
3. (4) Plan n in g an d problem solvin g
ar e said as th e fu n ct ion s of t h e
m an agers.
Th e au th or also differen tiates be-
t w een m an ager s an d l ead er s.
Th is sh ows th at th e statem en t (4)
is n ot tr u e in th e con tex t of t h e
p assage.
4. (3) “In wardly focu sed em pl oyees
can have difficu lty seein g th e very
forces th at presen t th reat s an d
op por tu n i ties.’’In th e l ast par a-
gr aph of th e passage i n con text
to th e bu reau cratic cu ltu re. Th is
sh ows t h at op t ion (3 ) i s n ot a
ch aract erist ic cu ltu re.
5. (1) T h e w o r d s m o t h e r h er e
m ean s su ppr ess. You m ay ask
‘wh y’?
B u r ea u c r a c y i s a gai n s t a n y
ch an ge. Per son s (l eader s) wh o
resort to ch an ge ar e su ppr essed
by th e bu reau cr ats. Th is sh ows
t h at sm o t h er i n t h e p assage
m ean s su ppr ess.
6. (4) Cr eat in g b ett er per for m an ce
th rou gh cu stom ers orien tation .
7. (5) ‘‘Bu t even m ore so, m an age-
m en t was th e m ain item on t h e
t w en t i et h cen t u r y agen d a b e-
cau se th at’s wh at was n eeded....
h u n d r ed s of m an ager s t o r u n
th eir ever growin g en terp rises’’.
For m th e above m en tion ed asser -
ti on s it becom es cl ear th at t h e
it em m an agem en t is ver y m u ch
on th e agen da of t h e u n versiti es
becau se en t erp rises are in great
n eed of m an ager s.
8. (5) Non e of th ese
9. (4) ‘‘.... we d i d n ’t h ave en ou gh
good m an ager s to k eep all th ose
bu reau cracies fu n ction in g’’.
Actu all y, m an ager s are n eed ed
for t h e p erform an ce of m an age-
m en t fu n cti on s.
Th er efor e, i n t h e p assage b u -
r eau cr acy is equ ated with m an -
agem en t .
10. (2) ‘‘Aft er a wh i l e k eep i n g t h e
ever l ar ger or gan isati on u n der
con t r ol b ecom es t h e p r i m ar y
ch allen ge. So att en t ion tu r n s i n -
ward, and m an agerial com peten -
ci es are n u rtu red’’. Her e t h e fir st
sen t en ce i s p r esen t ed as t h e
cau se for th e tu rn in g of atten tion
in war d. So th e an swer is (2 ).
COMPREHENSION TEST
11. (2) devel op ed
12. (3) Th ou gh n on e of th e given op-
ti on s is a com p let e d efin iti on of
leadersh ip, bu t opt ion (3) is p ar -
tially tru e. And option (3) does n ot
con tai n an y con t rad ict ory opi n -
ion . ‘‘In spi rin g peopl e t o reali se
the vision’’talk s partially bu t talk s
of th e t ru t h . Th er efore, th e an -
swer i s (3 ).
13. (5) ‘‘Su ccessfu l tran sform ation is
70 to 90 per cen t leadersh i p an d
on ly 10 t o 3 0 p er cen t m an age-
m ent.’’
So, i t is cl ear th at both leader -
sh ip an d m an agem en t are n eed-
ed for ch an ge.
So, we can n ot opt for (1). Th er e-
fore, th e corr ect an swer is (5 ).
14. (3) Focu s of th ese p rogram m es
was on d evelopi n g m an agers
15. (2) Actu ally managerial competen-
cies are n u rtu red in large size or -
gan isation s. So th e statem en t (B)
i s w r on g. B u t r em ai n i n g t w o
statem en ts are correct in con text
of th e passage. So, t h e an swer
is (2 ).
16. (1) He pu rsu es an d assim i lat es
th e b asi c virt u es of li fe
1 7 . (5) Si m pl e l ivi n g, h igh t h in k in g,
con ten tm en t, in n er wealth
18. (4) ad opt in g a sim ple li fe style
19. (3) We h ave cou n tless u n fu lfilled
d esi r es
20. (2) Ren u n ciation is th e r esu lt of
perfect h app in ess.
21. (4) m om en tary
22. (2) m aster th e art of ren u n ciation
23. (5) m ou ld
24. (2) Doin g on e’s work sin cer ely &
h ardl y m ak es on e h ap py
25. (4) Carryin g ou t all worldly activ-
it ies in th e sp iri t of selfl ess ser -
vi ce
26. (3) In th e passage f eel i s u sed to
m ean p er c ei v e. Th i s is eviden t
fr om th e fact th at , t h e sen se of
th e sen ten ce rem ain s in tact, if we
u se per cei v e i n p lace of feel .
27. (2) Th e an ton ym of di v er gen t i s
co n v er gen t . B u t i n th e passage,
di v er gen t i s u sed to m ean di f-
feren t. So, si m i l ar i s th e correct
an ton ym (Relative Anton ym ).
28. (4) Ad ver tisers can d eri ve ben e-
fit fr om t h e in for m at ion ab ou t
vi ewer’s per cep tion of qu ali ty of
program m es.
-358-

29. (5 ) Non e of th ese
30. (4 ) On ly B an d C
31. (1 ) A an d B on ly
32. (5) in favou r of both econ om et ric
m odel s an d free t rad e.
33. (3 ) On ly C
34. (3) Th ey h elp develop in sigh t in to
h ow ch anges in policies in flu ence
certain sector s.
35. (5 ) B oth 1 an d 4
36. (2) a m ix ed in flu en ce on al l t h e
sectors in volved
37. (4) it affects intern ation al tradin g
system s adversel y.
38. (3 ) “Rat ion ali sm i s n ot a set of
beliefs wh ich i s devoi d of verifi-
cation ” m ean s “r ati on alism is a
set of beliefs veri fiable by exp e-
ri en ce”. So, t h is statem en t gets
su p port in t h e p assage.
39. (2 ) Th e wor d u n r eser v ed l y i n
th e par agraph can be su b stit u t-
ed wit h t h e word fu l l y with ou t
chan gin g th e sen se. So, the righ t
ch oice is fu l l y .
40. (4) T h e a u t h o r cr i t i c i s es t h e
teach ers an d t h e edu cation sys-
tem as a wh ole for n ot en cou r -
agin g an d gi vin g pl an n ed l ear n -
in g experien ces to al l stu d en t s.
So, h e wou ld li k e th e t each ers
to en cou rage an d give pl an n ed
learn in g ex per ien ces to all st u -
den ts.
41. (5) The first reason is th at teach -
er s ar e b u sy an d as secon d rea-
son we can say th at t h ey wou ld
lik e t o give atten tion to th e good
stu den t s. Th e fir st r eason is ab-
sen t from th e gi ven op tion s an d
th e option (4) th ou gh m en tion s
th e secon d reason bu t th e u se
of th e word “forced ” m ak es it i r -
r elevan t . Th e teach ers ar e n ot
forced to t ak e sp eci al car e for
good st u den ts.
42. (1) I n a b i l i t y o f p a r en t s a n d
teach er s to develop val u e base
of ch i ldren .
43. (1) Sl ac k n ess an d r i gi di t y ar e
opposite in m ean ing to each oth -
er. So, t h e cor rect an swer is (1 ).
Th is is tru e in th e con text of th e
passage al so.
44. (2) Th e p r ed ict ion of Mar x h as
n ot been born e ou t by h istory as
th e sal aries of all th e em p loyees
h ave gone u p in advan ced cou n -
tr ies.
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45. (4) We k n o w r e g a r d e d a n d
t h o u g h t ar e sy n on y m s . So ,
t h ou gh t (4) is th e r igh t an swer.
46. (3) St atem en t (A) gets su p por ts
in th e last bu t on e sen ten ce of
the paragraph an d the statem en t
(C) get s su p p or t s i n t h e l ast
statem en t . So, th e an swer is (3).
47. (5) Th e stat em en t t h at “on ly li t-
eratu re allows in dividu al s to ex-
pr ess th eir differ en t views” can -
n ot be con sidered as correct du e
to th e u se of t h e wor d “on ly”. In
th e absen ce of appr opr iat e op-
tion , ou r an swer is (5).
48. (1) So far th e given p aragrap h is
con cern ed , abol iti on of ch il d l a-
b ou r t h r ou gh l egal m ean s i s
m ost lik ely to resu lt in to drag-
gin g or pu sh in g th e family of th e
ch ild in acu te econ om i c st ress.
Th is can be in ferr ed from wh at
is sai d i n t h e secon d an d th i rd
sen ten ces of th e p aragrap h .
49. (2) Fr om t h e p ar agr ap h i t b e-
comes clear th at In dia, lik e many
ot h er devel opi n g cou n t ries h as
ban n ed ch ild labou r i n h azar d-
ou s ar eas an d regu l ate th e con -
di tion s of work in oth er areas.
So, st at em en ts (B) an d (C) are
cor rect .
50. (4) I f s o m eo n e o r s o m et h i n g
am el i or at es a si t u at i on , t h ey
m ak e it better or easier in som e-
way.
To m i t i gat e som eth in g means to
m ak e i t l ess u n p l easan t , ser i -
ou s, or pain fu l.
So, am el i orat e and m i t i gat e are
m or e or l es s
syn on ym ou s. H en ce t h e an swer
is (4 ).
51. (5) A d d r e s s i n t h e p a s s a ge
m ean s “direct one’s atten tion to”
or “p ay h eed t o”. So, as an t -
on ym we can ch oose i gn o r e.
52. (3 ) ‘‘Equ ali ty of opp ortu n it y” is
ab sen t fr om th e paragraph . So,
it is th e ri gh t an swer.
53. (2) On ly A and B
54. (4) to u se it as a negotiation tactic
55. (5 ) Non e of th ese
56. (3) On ly A and C
57. (4) Before Pok h ran -II, tem pers of
the oth er cou ntries h ad n ot been
cooled down
58. (4 ) t h e m at er i al n eeds of m en
and women are su pplied by well-
con du ct ed bu sin ess.
COMPREHENSION TEST
59. (1) is focu sed on th e rou tin e prob-
lem s of life.
60. (3 ) m u st dep en d u p on th e fin al
con su m er s for t h e su ccess of
th eir u n dert ak in gs.
61. (2 ) ad versity bri n gs th e people of
di fferin g views t ogeth er.
62. (4 ) t h e ch ief work of for eign m i n -
istri es i s t o gu id e r elat ion s b e-
t w een n a t i o n s u n i t ed b y a
com m on cau se.
63. (2) en large
64. (5) Teach ers will be able to h an dle
st u den ts wel l, if th ey k n ow ch i ld
psych ology.
65. (1 ) St u den ts m u st p ass th e pr e-
board exam b efor e appearin g for
th e board exam .
66. (2) Pre-boar ds ar e gen eral ly easy
an d th erefore stu den ts tak e th em
ligh tly.
67. (1) Providin g stu dy facilities to the
stu d en ts
68. (2 ) n o t get t i n g t h ei r w a r d s
ad m itt ed i n th e qu alit y sch ool s.
69. (3) attract better qu ality stu den ts.
70. (4 ) ach ieve
71. (2 ) On ly C
72. (4 ) Th e t r ad e for ser vi ces an d
goods crossed th e In tern at ion al
b or d er s
73. (3 ) Th e abil ity of an organ isati on
to rai se fu n d s.
74. (3) In formation based companies.
75. (1 ) Th e ven tu r e capit ali sts h ave
st ar t ed fi n an ci n g t h e p r oj ect s
even at t h e plan n i n g stage.
76. (4) Prom oti n g in form ation based
an d soft ware com pan ies.
77. (4) Th e ven t u re cap i tal i st s ar e
on l y fi n an c i n g t h ose sec t or s
wh ich lay em ph asis on pr odu c-
ti on of goods on m ass scal e.
78. (1 ) Th e i n vestors wh o fu n d t h e
pr oject till su ch tim e i t st art s at-
tr acti n g large in vestm en t.
79. (1) Th e capital generated th rou gh
in n ovation an d i deas.
80. (3 ) Th e cap ital got an edge over
lan d.
81. (3) perseveran ce for raisin g qu al-
it y of pr odu cts
82. (1) Ver y l ar ge scop e of In d i an
m ark et
83. (2) cr iti cal ly exam in e In dian i n -
vestm en t en viron m en t
84. (1) Al l t h e th r ee
85. (5 ) Non e of th ese
-359-

86. (4) raise th e qu alit y of p rodu ct of
m atch in tern ation al stan dards
87. (1) a political com mentator
88. (4) All of th ree
89. (2) On ly (B)
90. (4 ) Th e word assi du o u sl y (Ad -
verb) com es fr om th e words as-
si du ou s (Ad jecti ve). Assi du ou s
m ean s work i n g h ar d an d sh ow-
in g carefu l atten tion to detail.
For ex am ple,
Th ey plan n ed th eir career s an d
work ed assi du ou sl y to see th em
ach i eved .
On th e ot h er h an d del iber ately
means intentionally carefu lly. So,
we can ch oose op tion (4) as t h e
an swer.
91. (4 ) I d i o s y n c r a s y m ea n s a
person ’s particu lar way of th in k -
in g, beh avin g, etc. th at is clearly
di fferen t fr om th at of ot h er s.
For ex am ple,
On e of h er lit tle i d i osy n cr asi es
is always wash in g in cold water.
As ideologies is closest in m ean -
in g t o i t, so th e an swer is (4 ).
92. (3 ) T h e l ex i c a l m ea n i n g o f
sh o d d y (Ad j ect i ve) i s of p oor
qu ali t y, d on e or m ad e b adl y :
sh oddy goods/ work m an sh ip.
In th e p assage sh oddy m ean as
ch eap.
93. (5) I n du cem en t (Nou n ) m ean s a
th in g th at persu ad es som ebody
to d o som et h in g, an in cen t ive.
For ex am ple,
Est at e agen t s ar e offer i n g i n -
du c em en t s to fi rst-tim e b u yers.
In t h e p asssage al so i n d u c e-
m en t m ean s i n cen t i ve.
As i m pedi m en t m ean s barrier,
h u r d l e, et c., so t h e an sw er i s
(5).
94. (4) Un scru pu lous mean s with ou t
m oral pri n ci ples; n ot h on est or
f a i r u n s c r u p u l ou s b u s i n es s
m eth ods.
In th e passage, ju stifiable m ean s
fair.
95. (3 ) Co n t em p t u o u s (Ad j ect i ve)
m ean s feeli n g or sh owin g con -
t em p t . Co n t em p t u o u sl y (Ad -
verb ) m ean s with con tem pt.
96. (3) Sin gapore
97. (5) Non e of th ese
98. (3) pleasin g
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99. (5) By pu ttin g m ore services on
in tern et
100. (4) In crease in n u m ber of retu rn s
101. (4) plentifu l
102. (2) sen d
103. (1) Sin gapore
104. (1) More an d m ore in t eracti on of
citizen s with govern ment th rou gh
in tern et
105. (4) Not m en tion ed
106. (5) Non e of th ese
107. (2) en h an cin g labou r produ ctivi-
ty by in creasin g sk il ls an d m ot i-
vation
108. (5) in creased capital i n vestm en t
109. (3) th in k of perform an ce as a tool
for ob tai n in g rewar ds
110. (2) Th e m ean in g of th e word I n -
du c e (Ver b) as u sed in th e pas-
sage is : to persu ade or in flu en ce
som eb ody to do som et h in g.
Loo k at t h e sen t en c e :
Noth in g wou ld in du ce m e to tak e
th e job.
Ou t of th e gi ven altern atives, t h e
wor d St i m u l at e (Ver b) m eans: to
m ak e som eth in g develop or b e-
com e m ore active; to en cou rage
som eth in g.
Lo ok at t h e sen t en ces :
The exh ibition h as stim u lated in -
terest i n h er wor k .
Th e article can be u sed to st im u -
lat e di scu ssion am on g st u den ts.
H en ce t h e w or d s i n d u c e an d
st i m u l at e are syn on ym ou s.
111. (4) In creasin g em ployee earnin gs
regar dless of th ei r p rod u ct ivi ty
112. (4) Both (B) an d (C)
113. (1) Desir e an d wil lin gn ess of an
in dividu al to excel in wh atever h e
u n der tak es
114. (3) On ly (C)
(4) Both (B) an d (C)
115. (1)The meanin g of the word J eop-
ar di se (Ver b) as u sed in th e pas-
sage i s: to risk h arm i n g or d e-
str oyin g som et h i n g/ som ebody;
en d an ger.
Loo k at t h e sen t en c e :
Sh e wou l d n ever do an yti n g to
jeopardi se h er career.
Ou t of th e gi ven altern atives, t h e
word saf egu ar d (Verb) m ean s: to
p r ot ect som et h i n g/ som eb od y
fr om loss, h arm or dam age; to
k eep som eth i n g/ som ebod y safe.
COMPREHENSION TEST
Lo ok at t h e sen t en ces :
Th e n ew card wil l safegu ar d t h e
com pan y again st frau d.
Th e l eafl et exp lai n s h ow to safe-
gu ar d agai n st d an ger s i n t h e
home.
H en ce, t h e wor d s j eo p ar d i ses
an d safegu ar ds are an ton ym ou s
116. (2 ) ru n b u si n ess pr ofi tabl y an d
eth ically
117. (3) Edu cated people
118. (4) we sh ou l d get in vol ved in to
lon g-term gain s
119. (1) Edu cated peopl e ign orin g th e
st arvin g an d il lit erate m asses
120. (4) Al l t h e t h ree, (A) (B ) an d (C)
121. (5) Need for h i gh sk il l an d val u e
orien ted edu cation
122. (1) Teach in gs of In di an Ph i loso-
ph y
123. (4) E v er y o n e i n t h e c o u n t r y
sh ou l d look for th e ben efits of all
th e oth ers
124. (3) Pr ofi t sh ou ld be ear n ed wi th
du e con siderat ion to social ser -
vi ce
125. (4 ) Th e p u bl ic is ready t o i n vest
i n th ese b an k s b ecau se of th e
k n owl edge th at th ese ban k s get
st ron g su p port fr om t h e Gover n -
m en t.
126. (3) En cou ragem en t
127. (1 ) Worl dwi de, com pan ies h ave
r eal i zed t h at In d i a i s a st ron g
power to reck on wi th
128. (5 ) Non e of th ese
129. (2) On ly (B)
130. (5) All (A), (B ) an d (C)
131. (3) Valu able
132. (2 ) Th e words open an d capabl e
are syn on ym ou s.
133. (5 ) Th e word Vo l at i l e (Adjective)
m eans : chan gin g easily from on e
m ood t o an ot h er ; u n st able. Its
an ton ym sh ou ld be st abl e.
134. (4 ) Un con vin ced of th e lon g term
effects an d rat ion ale for i m m ed i-
at e r equ i r em en t of gen et i cal l y
m odified produ cts
135. (2) On ly (B)
136. (4) Mak in g a case for th e i n ter -
n ation al society to en gineer a sec-
on d Gr een Revolu ti on
137. (2) Wi th d rawal of fiscal im pet u s
fr om agri cu l tu r e t o oth er sectors
138. (3) Agricu lt u ral gr owt h h as art i-
fi cially in flat ed In d ia’s GD P an d
su ch growth is n ot real
-360-

139. (2) On ly (C)
140. (2) Th e realization of th e lin k be-
tween food secu rity an d political
stability
141. (3) T o m ak e t h os e co u n t r i es
m ore self su fficien t t o wh om it
previou sly p rovided food
142. (3) I t p r om p t ed i n cr eased i n -
vestm en t an d in terest in agricu l-
tu re
143. (1) M i s a p p r eh en s i o n t h a t i t
wou ld all evi ate pover ty as i t d id
in oth er cou n tries
144. (5) Only (B) an d (C)
145. (3) Only (B)
146. (3) Th ere h as b een an in crease
in th e i n com es of peop le.
147. (2) Help from oth er cou n tri es to
c o u n t er f o o d i n f l a t i o n h a s
proved to be qu i te en cou ragi n g.
148. (5) All (A), (B) an d (C)
149. (2) Only (A) an d (B)
150. (1) Food In flation In India
151. (2 ) Peop l e ar e n ot b u y i n g as
m u ch as th ey u sed t o.
152. (1) Th e m ean i n g of t h e p h rase
Cash i n (on som et h i n g) as u sed
i n t h e p assage i s : to gai n an
advan tage for you rself from a sit-
u ation t h at is th ou gh t t o b e i m -
m oral; pr ofitin g.
Look at t h e sen t en ce :
Th e film stu dio is bein g accu sed
of cash i n g i n on t h e si n ger ’s
death .
153. (3) Th e m ean i n g of t h e w o r d
T i gh t (Adj ect i v e) as u sed in th e
passage is : d iffi cu l t t o m an age
w i t h b ec a u s e t h er e i s n o t
enou gh; lim ited.
154. (5) The meaning of the word Tem -
per (Ver b) as u sed in th e pas-
sage i s : m i t i gat e; con t r ol ; t o
m ak e som eth in g less severe by
ad din g som eth in g t h at h as t h e
op posite effect.
Look at t h e sen t en ce :
J u sti ce m u st be tem pered wi th
m ercy.
155. (3) Th e m ean in g of th e word Ar -
ch ai c (Adj ect i v e) as u sed in th e
passage is : ol d an d n o l on ger
u sed ; ou tdated.
Look at t h e sen t en ce :
Th e syst em is arch aic an d u n -
fai r an d n eeds ch an gi n g.
It s an ton ym sh ou ld be m o der n .
156. (3) In th e p ast , cou n tri es cou ld
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p rogr ess econ om i call y th rou gh
low m an u fact u ri n g cost as well
as low wages of labou rer s.
157. (1) The word Ach illes h eel means :
a weak poin t or fau lt in som e-
body’s ch aracter wh ich can be at-
tack ed b y ot h er peopl e.
158. (4) On ly (B) an d (C)
159. (2) On ly (A) an d (B)
160. (3 ) In d i a An d Th e H u n t For A
Kn owl edge Based Econ om y
161. (4 ) It w ou l d n ot m an u fact u r e
ch eap com m on m edi cin es wit h -
ou t a licen se.
162. (3) Only(C)
163. (4) On ly (B) an d (C)
164. (4 ) Th e b ran ch t im i n gs of ban k s
gen er all y d o n ot coin cide wi th
th e off-wor k h ou rs of th e l abou r
cl ass in u r ban m ark ets
165. (1) On ly (B)
166. (3) Th e i n vest m en t s m ad e b y
ban k s an d it s delivery par tn ers
are n ot yieldin g equ al am ou n t of
retu r n s
(4) Th e b an
167.(5) Al l of t h e given ch ar act eri s-
ti cs h ave been specifi ed
168. (2) Al l (A), (B) & (C)
169. (5) Both (A) & (C)
170. (3) Both (A) & (C
171. (3) Recen t r esear ch h as con -
fir m ed th at BYOD boosts organ -
isational produ ctivity
172. (3) Th ey m ay l ack m at u r e I T
st rat egi es an d pol ici es requ ir ed
to pr otect con fid en t ial data
(4) Th ey can n o
173. (3 ) Both (A) & (C)
174. (2 ) As t h ey h ave access to th eir
fa vou r i t e ap p l i cat i on s w h i l e
work in g
175. (1) Both (A) & (C)
176. (4) Mu sh room i n g of sch ools i m -
parti n g En gli sh edu cat ion h as
been app reciat ed
177. (4) Both (A) an d (B)
178. (2) On ly (C)
179. (3) On ly (C)
180. (3) Cor r esp on d en ce ed u cat i on
h as p roved to b e a pan acea in
t er m s o f ed u c a t i n g p eo p l e
wi th ou t p roper i n frastr u ctu re
181. (3) On ly (C)
182. (4) Di l u t i o n (No u n ) = Mak in g
som eth in g weak er or less effec-
ti ve; th e act of redu cin g som e-
th in g; redu ction .
COMPREHENSION TEST
Loo k at t h e sen t en c e :
Th is is a seriou s dilu tion of th eir
el ecti on prom ises.
183. (2) Em er gen ce (Nou n ) = to ap-
pear or b ecom e k n own ; to start
t o ex i st ; t o r i se fr om an ob -
scu re position ; to com e in to be-
ing.
Look at t h e sen t en ce :
Th e em ergen ceof n ew t ech n ol-
ogy h as m ad e h u m an l ife com -
fortabl e.
184. (4 ) Dep r ec at e (Ver b) = t o feel
an d express str on g di sapp roval
of something; belittle; disparage.
Co m m en d (Ver b) = t o p r ai se
som ebody/ som eth in g; to recom -
m en d; to mention with approba-
tion.
Look at t h e sen t en ces :
Sh e felt h er h u sban d con stan t-
ly deprecated h er ach ievem en ts.
H i s d esi gn s wer e h igh l y com -
m en ded by th e ju dges.
185. (1) Pu r por t (Nou n ) = pu r pose;
t h e gen er al m ean in g of som e-
th i n g; su bst an ce; gi st.
In si gn i fi can ce (Noun ) = State of
bei n g in sign i fican t or u n im p or -
tant.
Look at t h e sen t en ces :
Th e p u rp ort of th i s b ook does
n ot p resen t a com p let e h i story
of th e period.
H er own p eop l em s p aled i n t o
in sign ificance beside th is terible
n ews.
186. (1) B u d get d ef i c i t s a r e a n
ex i sti n g t h r eat , t r u m p i n g an y
an d al l con cer n ab ou t m ass
u n employment
187. (1) T h ey h a v e ev i d en c ed a
su pposed su r ge in wages
188. (2) t h e wor k er s i d l ed b y sn ow
an d st orm s t en d to be less well
pai d th an t h ose wh o are n ot af-
fected
189. (3) Getti n g cau gh t in a tr ap of
econ om ic stagnation an d intrac-
tab le d ebt
190. (4) In fl ict in g p ain i s i pso facto
good.
191. (2) He sees i t as a developm en t
t o ch eer an d p r om ot e, n ot a
th r eat t o be squ ash ed
192. (1) Basel
193. (2) Ri s i n g w a ges i s a go o d
om en for d evelop m en t
-361-

194. (2) Head off = tak e action in order
t o p r ev en t s o m et h i n g f r o m
h appen in g.
195. (1 ) Up t i c k (No u n ) = a sm al l
in cr ease.
196. (4 ) Ph a n t o m (A d j e c t i v e ) =
existing only in you r imagination.
197. (1) Sl u m p (Noun ) = a su dden fall
i n sal es, p r i ces, t h e val u e of
s o m et h i n g et c , d ec l i n e,
depr ession .
198. (4) Sl ack (No u n ) = lu ll ; p eopl e,
m on ey or sp ace th at sh ou ld be
u s ed m o r e f u l l y i n a n
organ isation ; a qu i et p eriod.
199. (4) Aust eri t y (Noun ) = a situ ation
wh en people do n ot h ave m u ch
m on ey to sp en d becau se th ere
ar e b ad econ om ic con dit ion s.
Lu x u r y (Nou n ) = th e en joym en t
of sp eci al an d exp en sive th in gs.
200. (2 ) I n c r e d u l i t y (N o u n ) =
d i s b el i ef ; u n w i l l i n g n es s t o
b el ieve.
207. (1) Ach i ll es h eel (Noun ) = a weak
point or fau lt in somebody’s ch ar -
acter wh i ch can be at tack ed by
ot h er peopl e.
208. (2) Su st ai n (Ver b) = t o m ak e
somethin g continu e for som etime
with ou t becoming less; maintain.
Loo k at t h e sen t en c e :
Sh e m an aged to su stai n ever y-
one’s in terest u ntil th e en d of her
sp eech .
209. (3) Cu m ber so m e (Adj ect i v e) =
large an d h eavy; di ffi cu l t to car -
ry; bu lk y; com plex; com plicated.
Loo k at t h e sen t en c e :
Gover n m en t sh ou l d ease t h e
cu m bersom e legal proced u res.
210. (4) Di ffer en t i at ed (Ad j ect i v e) =
distin gu i sh ed; to be th e particu -
lar th in g; im port an t.
Loo k at t h e sen t en c e :
I th in k grey h air m ak es you look
very differen ti ated.
217. (5) Au st er i t y (Nou n ) = sim plici-
ty; a sit u at ion wh en peop le do
n ot h ave m u ch m on ey to spen d
becau se th ere are bad econ om -
ic con d ition s.
Loo k at t h e sen t en c e :
War was fol lowed by m an y years
of au sterit y.
218. (1) I n r oad s (Nou n ) = som eth i n g
th at i s ach ieved , especiall y by
redu cin g th e su ccess of som e-
th in g else.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Loo k at t h e sen t en c e :
Tax r ises h ave m ade som e i n -
roads in to th e cou n try’s n ation al
debt .
219. (4) Aggr av at e (Ver b) = to m ak e
a b a d / u n p l ea sa n t si t u a t i on
worse; wor sen .
Assu age (Ver b) = t o m ak e an
u npleasan t situ ation less severe.
220. (2) Si m m er i n g (Adj ect i v e) = to
be filled with a str on g feelin g es-
pecially an ger wh i ch you h ave
difficu lty in controllin g; seething.
Calm = p eacefu l.
Loo k at t h e sen t en c e :
Th er e w a s s i m m er i n g an ger
am ong agitators.
221. (1) Vo l at i l e (Ad j ect i v e) = li k ely
to ch an ge su dden ly; easil y b e-
com in g dan gerou s; u n stab le.
225. (2) Pre-requ i si t e (Nou n ) = some-
th in g th at m u st exi st or h app en
befor e som et h in g else can h ap-
pen or b e d on e; pr econ di tion .
Loo k at t h e sen t en c e :
A degree is an essen t ial pr ereq-
u isite for em ploym en t at this lev-
el .
227. (5) Per sp ect i v e (Nou n ) = a par -
ti cu l ar atti tu d e t owards som e-
th in g; a way of th in k in g abou t
som eth in g; vi ewpoi n t.
Loo k at t h e sen t en c e :
Hi s exper ien ce abr oad provid es
a w i d er p er s p ec t i v e o n t h e
prob lem .
230. (3) M assi v e (Adj ect i v e) = very
large an d soli d; extr em ely lar ge
or ser iou s.
M eagr e (Adj ect i v e) = sm all in
qu antity an d poor in qu ality; pal-
tr y.
231. (3) M i t i gat e (Ver b) = t o m ak e
som eth in g less h arm fu l, seriou s
et c; alleviat e.
Wo r sen (Ver b) = to m ak e worse;
deteri orat e.
Lo ok at t h e sen t en ces :
Soil erosion was mitigated by th e
pl an ti n g of trees.
Her h ealt h h as worsen ed con -
si der abl y sin ce we last saw h er.
232. (2) Per son al i se (Ver b) = to m ark
som et h in g i n som e way to sh ow
th at i t belon gs t o a part icu l ar
person ; to refer to particu lar peo-
pl e wh en di scu ssin g a gen er al
su bj ect.
COMPREHENSION TEST
Loo k at t h e sen t en c e :
Th e m ass m edia ten ds to per -
son al ise poli tics.
237. (4) I m ped i m en t (Nou n ) = som e-
th in g th at d el ays or stops t h e
progress of som eth in g; obstacle.
Faci l i t at i on (Nou n ) = simplifica-
tion.
Lo ok at t h e sen t en ces :
Th e level of in flation is a seri ou s
im ped im en t to econ om i c r ecov-
er y.
Com pl ain ts h ave led t o faci lit a-
ti on of t h e ru les.
238. (1) En t ai l (Ver b) = t o i n vol ve
som eth in g th at can n ot be avoid-
ed ; in volve.
Loo k at t h e sen t en c e :
Th e j ob en t ai l s a l ot of h ar d
work .
248. (5) Sh r ewd l y (Ad v er b) = cl ever -
ly; astu tely; sh owin g good ju dge-
m en t an d li k el y t o b e r igh t.
Loo k at t h e sen t en c e :
He sh rewdly h an dled th e violen t
situ ation.
249. (3) Ch ase (Nou n ) = a p rocess of
t r yi n g h ar d t o get som eth i n g;
ru n .
250. (3) El u si v e (Adj ect i v e) = di ffi-
cu lt to fin d or ach ieve someth in g
Loo k at t h e sen t en c e :
A solu tion to th e problem of tox-
ic waste is pr ovi n g elu sive.
258. (2) Cat er (Ver b) = to provid e t h e
th in gs th at a part icu l ar p erson /
type wan ts; su ppl yin g.
Loo k at t h e sen t en c e :
Th ey on ly pu bli sh n ovels wh i ch
cater to th e m ass-m ark et.
259. (5) K ey (Adj ect i v e) = m ost i m -
por tan t ; essen ti al, criti cal, vit al.
Loo k at t h e sen t en c e :
Sh e p layed a k ey r ole in th e di s-
pu te.
260. (2) Aggr essi v e (Adj ect i v e) =
actin g wi th for ce an d det erm i-
n ation in or der to su cceed.
Loo k at t h e sen t en c e :
A good salesp er son h as t o b e
aggressive in today’s com petitive
m ark et
266. (4) Ex t en ded = l on g or lon ger
th an u su al or expected.
St ead y = devlopi n g grad u all y.
267. (3 ) Co m m i ssi o n = con tract
-362-

272. (1) Di v er se (Ad j ect i v e) = ver y
di fferen t from each oth er an d of
variou s k in ds ; n ot sim ilar.
278. (2) En gagem en t = bein g involved
with som ebody/ som eth in g in an
at tem pt t o u n derst an d th em .
279. (4) Desi gn (Ver b) = to m ak e, plan
or in ten d som et h in g for a par -
ti cu lar p u rp ose or u se; cr eat e.
280. (3) Sp r ead (Ver b) = to cover or
m ak e som eth in g cover a l arger
an d l arger area. 8.
Rest r i c t (Ver b) = to l i m i t t h e
am ou n t, size or ran ge of som e-
th in g.
RBI GRADE–B
OFFICER EXAMS
1. (4) “ Bot h offi cial an d corp orate
In dia h as always been allergic to
an y m en ti on of clean tech n ol o-
gy”. Th i s i s wh at is sai d i n t h e
fi rst par agr aph of th e passage.
Cl ear ly th e an swer is (4 ).
2. (4) “_____ fu r t h er cr op fai l u r e
wi ll am ou n t to a li fe an d death
qu est ion for m an y In di an s”.
T h o u g h “d w i n d l i n g
agricu ltu ral yield” (option 5) “fail-
u re in crops” (option 4), both can
9.
be ch oosen , so far th e m ean i n g
an d im plication s are con cern ed.
Bu t as t h er e i s di rect m en tion ,
so we m u st ch oose opt ion (4 ).
3. (2) “Th e in crease i n p rem atu re
death s wi ll h ave ad ver se soci al
10.
and econom ic con sequ en ces an d
a rise i n m orb idit ies wi ll place
an u n bearabl e b u r den on ou r
cru m bli n g h ealth system ”.
So th e an swer is (2 ).
4. (1) Pr of l i gacy i s ex t ravagan ce
an d wastefu l n ess : th e con tin u -
in g p rofl igacy of cer tain St ates.
So th e an swer is (1 ). Th e m ean -
in g th e word pr ofl i gacy bears in
th e p assage also su pp orts th is
11.
conten tion .
5. (1 ) cr op failu re
12.
6. (3) “Most m ech an ical two wh eel-
er s r ol l off t h e assem b l y l i n e
13.
with ou t proper pollu tion con trol
syst em ”. Th i s sh ows t h at t wo
w h eel er i n d u st r y i s n o t a d -
14.
equ ately con cern ed abou t pollu -
ti on con t rol system s i n th e ve-
h i cl es.
7. (4) “Two expression s can be con -
si der ed in th i s r esp ect :
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(1 ) _____ sk ep ti cs m igh t qu es-
ti on t h e tim in g of th e h aze r e-
port.
(2 ) U.N. en vir on m en t rep ort wi ll
li k el y to fi n d a pl ace in th e U.S.
ar sen al _____.
Th i s sh ows t h e p assage i n d i -
cates th at th e U.S. wan t s t o u se
it as a h an d le again st th e d evel-
opin g cou n tries in th e forth com -
in g m eet.
(2) l If you are al l er gi c to som e-
th in g, you b ecom e il l or get a
rash wh en you eat i t, sm ell it, or
tou ch i t.
For ex am pl e,
I am allergi c to cat.
l If you h ave an al l er gi c r eac-
tion to somethin g, you become
il l or get a rash wh en you eat
it , sm el l i t, or t ou ch i t.
l If you say th at you are al l er -
gi c to someth ing or som eon e,
you m ean t h at you d i sl i k e
th em ver y stron gly an d t ry to
avoid th em .
For ex am pl e,
He was al ler gic to risk .
Th e word sim ilar i n m ean i n g
to al l er gi c is di spassi on at e.
(5) Th e ver y i n t rod u ct ory sen -
ten ce to th e passage m en tion s
s om e i n d i ca t o r s. “Rad i ca l l y
ch an gin g m on soon p att ern s” is
on e am on g th em . So, option (5)
is th e an swer.
(3 ) Th e con clu d in g sen ten ce is
wor t h con si d er i n g i n t h i s r e-
spect . “We reali se th at we ar e
al l i n th is togeth er an d th at pol-
lu tion an y where sh ou ld be a glo-
bal con cern oth erwise_____”
Ir respective of i ts poin t of or i-
gin , pollu tion is a con cern for all.
So, we m u st figh t p oll u tion t o-
geth er. Th i s is t h e m essage of
th is passage.
(3 ) A seriou s cover of p oll u ti on
over t h e regi on
(5 ) U.S. h as t i gh t en ed safet y
st an d ard s for dri n k i n g wat er
(2 ) a blam in g gam e between d e-
vel oped an d d evelop in g cou n -
tries
(1) Du bi ou s (Adjective) m ean s (i )
n ot certain an d sli gh t ly su sp i-
ciou s abou t som ethin g; dou btfu l;
(i i ) p rob abl y d ish on est or r isk y;
(i i i ) of wh i ch th e val u e is dou b t-
fu l.
COMPREHENSION TEST
So, t h e word u n qu est i on abl e is
th e on ly op tion th at can be con -
si der ed as t h e an t on ym of du bi -
ou s.
15. (2) h ealth in ess
16. (4 ) creative t h in k in g is th e k ey
to In d ia’s su ccess
17. (3) Generatin g n ew opportu n ities
for t h e fu t u re sh ou ld be th e fo-
cu s of in n ovati on
18. (1) On ly (A)
19. (4) Innovation au tomatically hap-
pen s if a com pan y su bscr ibes to
the latest man agem ent strategies
20. (2 ) Creat ivi ty : B oon or Cu r se
21. (2) Tryin g to focu s both on prod-
u ct an d p rocess i n n ovati on
22. (4 ) All of th ese
23. (2) On ly (B)
24. (2 ) En su r in g in n ovati on i s em -
bedded i n to th e syst em
25. (5 ) Th e word ‘p aradigm ’ (Nou n )
h as been u sed in th e sen se of a
t yp i cal ex am p l e or p at t er n of
som eth in g.
26. (4) Th e word ‘distin ct’(Adjective)
h as b een u sed i n t h e sen se of
cau tiou s.
27. (4) Th e word ‘h erald ed’h as been
u sed in th e sen se of p roclai m ed.
28. (5 ) Th e word ‘r egr essive’(Adjec-
tive) m ean s becom in g or m ak in g
som et h i n g l ess ad van ced . I t s
an ton ym wil l b e advan ced.
29. (3) Th e opposite of the word ‘vast’
wil l be m in u te.
30. (2 ) Th e an t on y m of t h e wor d
‘r adically’will be m oderately, as
th e word rad ical (Nou n , Adjec-
tive) m ean s con cern in g th e m ost
b asic an d i m p or t an t p ar t s of
som eth in g.
31. (4) To focu s on d om esti c eco-
n om ic growth
32. (5) Non e of th ese
33. (3) I t s i n fl u en ce an d p r est i ge
h ave grown su bstan tially
(4) It s growt h r ate h as stabi lized
(5) Non e of th ese
34. (5 ) Non e of th ese
35. (3) Th e h arm on i ou s wor ld th eo-
ry is th e on ly u ti lit arian r em edy
to th e cu rr en t ch allen ges faci n g
th e wor ld
36. (2) preven t an y h in dran ces to its
dom estic econ om ic developm en t
program m es
-363-

37. (1) Th e t h eory is am bi gu ou s in
natu re
38. (3 ) Both (B) an d (C)
39. (1) Am er i ca’s i n fl u en ce i n t h e
region h as r edu ced
40. (4 ) Both (B) an d (C)
41. (3 ) Th e word ‘su st ai n ed ’(Adjec-
ti ve) m ean s : u n in t err u pted; to
m ak e som et h i n g con t i n u e for
som etim e with ou t becom in g less.
Loo k at i t s u se i n t h e sen t en ce
: Ch i n a h as seen a p eriod of su s-
tain ed econ omic growth in th e re-
cen t past.
Ou t of th e gi ven altern atives, t h e
word ‘steady’(Adj ect ive) m ean s :
fi xed , u n ifor m , regu lar.
L o o k at i t s u se i n t h e sen -
t en ces :
We ar e m ak i n g slow bu t steady
p r ogr ess.
Th e ca st l e r ec ei ves a st ea d y
st ream of visi tor s.
Hen ce, th e words su st ai n ed an d
st ead y are syn on ym ou s.
4 2 . (5) Th e word ‘p ot en t i al ’ (Adjec-
tive) mean s : th at can develop in to
som eth in g or be developed in th e
fu tu re.
Look at i t s u se i n t h e sen t en ce :
Fi rst we n eed to i den tify actu al
an d poten tial probl em s.
Hen ce, th e words po ssi bl e an d
pot en t i al are syn on ym ou s.
4 3 . (2 ) Th e word ‘en com pass’(Ver b)
m ean s : t o i n clu de a l arge n u m -
ber or ran ge of th in gs; t o su r -
rou n d or cover som eth in g com -
pl etel y.
L o o k at i t s u se i n t h e sen -
t en ces :
Th e j ob en com p asses a w i d e
ran ge of respon sib ili ties.
Th e fog soon en com p ased t h e
wh ole valley.
Ou t of th e gi ven altern atives, t h e
words i n cor por at e al so m ean s :
to in clu d e som et h in g so th at it
form s a par t of som et h in g.
L o o k at i t s u se i n t h e sen -
t en ces :
Th e n ew car desi gn in corporat es
al l th e l atest safety m easu res.
Man y of you r su ggesti on s h ave
been in corporat ed in th e plan .
Clearly, th e words i n corporat i n g
an d en com passi n g ar e syn on y-
mou s.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
4 4 . (4) The word ‘com m en dable’(Ad-
jecti ve) m ean s : d eservin g p rai se
and approval : commendable h on-
esty.
Th e m ean in g of th e word ‘u n wor -
th y’is : n ot h avin g th e n ecessary
qu alit ies to deserve som et h in g,
especial ly respect.
Look at i t s u se i n t h e sen t en ce :
He con sider ed h im self u n wor th y
of t h e h on ou r th ey h ad bestowed
on h i m .
Clearly, th e words com m en dabl e
an d u n wor t h y are an ton ym ou s.
45 . (1) Th e word ‘al l ay ’(Verb) means :
to m ak e som eth i n g esp ecially a
feelin g, less st ron g.
Ou t of th e gi ven altern atives, t h e
word ‘st ren gth en ’m ean s : t o b e-
com e str on ger ; to m ak e som e-
bod y/ som eth in g stron ger.
L o o k at i t s u se i n t h e sen -
t en ces :
H er p osi t i on i n t h e p ar t y h as
st ren gth en ed in recen t year s.
Rep a i r s a r e n ec es s a r y t o
st ren gth en th e br idge.
H en c e t h e w o r d s a l l a y a n d
st ren gt h en are an ton ymou s.
46. (2) (1 ) On ly A
47. (2) Lack of effor t s t o cu r b t h e
gr een h ou se effect s wou l d d e-
grade th e en vironm en t in the n ear
fu tu re
48. (3) Fol lowi n g latest fash ion in -
creases t h e sel f efficacy of people
thu s in creasing their overall m en -
tal abilities
49. (2) St eps n eed to b e t ak en i n or -
der t o con tr ol th e gr owin g fad of
fash i on am on gst th e you th
50. (4) Higher edu cation is importan t
for t h e growth of a cou n t ry
51. (5) Im por tan ce of h igh er edu ca-
ti on in growth of a cou n t ry
52. (1) ex plain th e reason wh y recy-
cl in g is n ot a pop u lar op tion b e-
si des h avin g variou s posi tive ef-
fects on th e en viron m en t
53. (3 ) On ly C
54. (4 ) Wor k towar ds in ter n ati on al
h arm ony an d u n derstan din g
55. (1 ) On ly A
56. (2) Paym en t on week ly basis
57. (3) th e p osi tive aspects of MFls
sh ou l d also be con si der ed
58. (1) th ey brou gh t services t o t h e
door of p eop le
COMPREHENSION TEST
59. (4) MFls adopted a stru ctu re an d
pu t a process in place, which was
n ot t h e case wi th m on eylen ders
60. (2) It h i gh l igh ted som e areas of
cu stom er protect ion
61. (4) Cu st om er, sat isfact ion i r re-
sp ect ive of ‘Not-for p rofit’or ‘for -
pr ofit ’MFls
62. (5) To gr ow very fast
63. (4) MFls shou ld also in form pu b-
li c ab ou t th eir own perfor m an ce
also
64. (2) To pr otect th e cu stom er fr om
h ar assm en t an d coercion
65. (1 ) Th e m ean i n g of t h e wor d
M an age (Ver b) as u sed i n t h e
passage i s : to be abl e t o deal
wi th som eth i n g ; t o su cceed in
doin g som eth in g; affor d.
66. (2) Th e m ean ing of th e word Exact
(Ver b) as u sed in th e passage is
: to dem an d an d get som eth i n g
f r o m s o m eb o d y ; t o m a k e
s o m et h i n g b a d h a p p en t o
som eb ody.
Loo k at t h e sen t en c e :
H e was d et er m i n ed t o ex act a
pr om i se from h er.
67. (4 ) Th e m ean i n g of t h e wor d
Sc u t t l e (Ver b) as u sed i n t h e
passage is : to deliberately cau se
som et h in g to fail; destroy; foi l.
Loo k at t h e sen t en c e :
Sh a r eh o l d er s s u c c es s f u l l y
scu ttl ed th e deal.
68. (5) Th e m ean in g of th e word Spu r
(Ver b) as u sed in th e passage is
: to en cou r age som eb ody to do
som eth in g; p rom p t.
Loo k at t h e sen t en c e :
I was sp u rr ed in to action b y t h e
lett er.
69. (3) The meanin g of the word Under
r e i n (N o u n ) as u sed i n t h e
passage i s : th e st ate of bei n g in
con trol.
It s an t on ym sh ou ld be l et l oose.
70. (1 ) Th e m ean i n g of t h e wor d
Coer ci v e (Adj ec t i v e) as u sed in
th e passage is : u sin g force or
th e t h reat of force.
H en ce, i ts an t on ym sh ou l d b e
gen t l e.
71. (4) m i scon ception s abou t t h e aid
gi ven to th e p oor n at ion s b y d e-
velop ed cou n tri es
72. (2 ) i m pr ovi n g th ei r own n at ion al
beh aviou r
-364-

73. (3 ) despi te ram p an t corru p tion ,
n ation s m ay pr osp er
74. (1) reason ably good-govern an ce
75. (5) All th e t h ree
76. (5) Th e m ean in g of th e word Ob-
l i gat i on (No u n ) as u sed i n t h e
passage is : t h e state of bein g
forced to do som et h in g becau se
it is you r d u ty or becau se of a
l a w et c ; c om m i t m en t ; m or al
bin din g.
Look at t h e sen t en ce :
We h ave a m oral ob li gat ion t o
protect t h e en viron m en t.
77. (2 ) Th e m ean i n g of t h e wor d
Sq u an der (Ver b) as u sed i n t h e
passage is : to waste t im e, m on -
ey etc. in a stu p i d or car el ess
way.
Look at t h e sen t en ce :
Sh e squ an dered all her mon ey on
gam bling.
78. (1) Th e m ean i n g of t h e w o r d
M o dest (Adj ect i v e) as u sed in
th e p assage is : n ot ver y l arge,
ex pen sive, i m portan t etc; h u m -
bl e.
Look at t h e sen t en ce :
He ch arged a relat ively m odest
fee.
79. (1 ) Th e m ean i n g of t h e wor d
M y t h (Nou n ) as u sed in the pas-
sage is : l egen d; fal lacy; som e-
th in g th at m an y peopl e believe
bu t that doesnot exist or is false.
Look at t h e sen t en ce :
It is ti m e to disp el th e m yth of
a classl ess societ y.
Its an ton ym sh ou l d be r eali t y .
80. (5) The mean in g of th e word Ex -
t en si v e (Adj ect i v e) as u sed in
th e p assage is : coverin g a lar ge
area; great in am ou n t.
Look at t h e sen t en ce :
Th e fire cau sed ex ten sive dam -
age.
Th e wor d Negl i gi bl e (Adj ect i v e)
m ean s : of very l ittle im portan ce
or size; in sign ifican t.
Hen ce, th e an ton ym of t h e word
ex t en si v e sh ou ld be n egl i gi bl e.
87. (3 ) Co n t r ac t u al (Ad j ec t i v e) :
pr om i ssor y; con n ected wit h t h e
con d i t i on s of a l egal w r i t t en
agreem en t; agreed in a con tract.
88. (1) Com m en su r at e (Adj e-ct i v e)
= m at ch i n g som et h in g i n si ze,
im portan ce; qu ality etc.
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Loo k at t h e sen t en c e :
Salary will be com mensu rate with
ex peri en ce.
89. (4) J eopar di z e (Ver b) = to ri sk
h ar m i n g or d est r oy i n g som e-
th in g; som ebody; en dan ger.
Safegu ard (Verb) : to protect from
loss, h arm or d am age; to k eep
safe.
Lo ok at t h e sen t en ces :
He wou ld n ever do an yth i n g to
jeopardi ze h is career.
T h e l ea f l et ex p l a i n s h o w t o
safegu ard again st dan gers in th e
home.
90. (5) M i n d–boggl i n g (Adj ect i v e) :
very d ifficu lt to im agin e or to u n -
derstan d; ex trem ely su rpri sin g.
Loo k at t h e sen t en c e :
T o r em o v e f a n a t i c i s m i s a
p r o b l em o f m i n d –b o ggl i n g
complexity.
INSURANCE EXAMS
1. (3) th ey wan t t o l ive safel y an d
peacefu lly
2. (4 ) l ivi n g in peace
3. (4) h avi n g sel f i n t er est at t h e
cost of com m u n i ty in terest.
4. (3 ) Li vin g i n a state of t err or
5. (1 ) H obb es
6. (2) tr yin g to gain pol iti cal power
t h r ou gh ex p l oi t i n g com m u n al
sen tim en ts.
7. (3) Lab ou r u n rest
8. (4) Becau se religiou s sen tim ents
are deeply r ooted an d are h igh ly
em otion al ly ch ar ged even at t h e
person al level.
9. (1) Becau se t h ey wan t t o exploit
com m u n al feel in gs for gain i n g
m ore p ower.
10. (2) To id en t ify p oli tical aspir a-
ti on s beh i n d com m u n al politi cs
an d t ack le th em for wh at th ey
are
11. (2) effectively facin g in tern al an d
extern al econ om ic com p etition .
12. (5) Non e of th ese
13. (5) Non e of th ese
14. (1) Major ity is in favou r of pr o-
tection ism .
15. (4) m ost of t h e p eop l e i n t h e
cou n tr ies wh o are ch am pi on s of
fr ee trade are in favou r of fr ee
trade.
16. (4) Not men tioned in th e passage
COMPREHENSION TEST
17. (3) vi ewp oin t of p eop l e i n fr ee
tr ade vs. pr otection ism .
18. (4 ) In cr ease an d d ecr ease i n t h e
n u m b ers of p rot ection i sts an d
fr ee trader s r esp ect ively
19. (3) ju diciou sly decide th e extents
of pr otecti on an d free t rad e.
20. (5) Pr o p agat i o n (Nou n ) m ean s
spreadin g (views, k n owledge, be-
liefs etc.) m ore widely. In th e pas-
sage t h e word pr opagat i on con -
veys t h is m ean in g.
Now, am on g th e given opt ion s,
di ssem i n at i on (Nou n) is th e word
wh i ch is m ost n ear l y sam e i n
m ean i n g of t h e wor d p r o paga-
t i o n . D i sse m i n a t i o n m ea n s
sp r ead i n g (i d eas, b el i efs, et c.)
wi dely.
For ex am pl e;
Th ey u se th e pr ess for di ssem i -
n at i n g ri gh t win g views.
21. (2) If you c al i br at e som et h i n g
you m easu re it accu ratel y.
For ex am pl e,
Pesti cide level s i n food are si m -
pl y too d ifficu l t t o calib rat e.
So, i n t h e p assage c al i b r at ed
m ean s accu rat ely m easu red.
I f y o u g a u g e t h e s p eed o r
st ren gth of som eth in g, or i f you
gau ge an am ou n t, you m easu re
or calcu l ate it , often by u sin g a
device of som e k in d.
Th i s sh ow s t h at gau ged w i t h
st an d ar d ex presses m or e or less
sim i lar m ean in g as cal i br at ed
22. (4) M i t i gat i n g (Adjective) m ean s
redu cin g th e severity, vi olen ce or
pain of som et h in g, m oder atin g.
On t h e ot h er h an d , d i l u t i n g
m ean s m ak in g th in er or weak er,
m ak e (som eth in g) weak er in face,
effect , etc.
I n com p ar i son , w e fi n d t h at
th ese t wo words — M i t i gat i n g
an d di l u t i n g - ar e m ore or less
syn on ym ou s to each oth er.
23. (2) St u p en do u s i s u sed in th e
p a ssa ge t o m ean ver y l ar ge,
gr an d or im p ressive.
Now as n egl i gi ble m ean s n ot im -
portan t becau se it is too sm al l,
th e an swer i s (2). In th i s con text
we can n ot opt for t i n y as ti n y
m ean s ver y sm al l n ot b u l k y ,
wh ich is less appr opr iat e as t h e
an ton ym of st upen dous, as u sed
in th e passage.
-365-

24. (1) I n t en se (Ad jecti ve) is u sed in
th e p assage to m ean very great
in st ren gth or degree.
F r agi l e m ean s n ot str on g an d
h ealt h y, weak .
For ex am pl e,
He is feelin g a bit fragile after last
n igh t’s party.
So, t h e an swer is (1 ).
25. (5) Th e lexical m ean in g of di r e is
dr ead fu l , extr em e et c.
For ex am pl e,
We are in di r e n eed of you r h el p.
In th e p assage th e word di r e i s
u sed to m ean ex t r em e.
I n si gn i fi can t m ean s h avin g little
or n o valu e, u se, m ean in g or i m -
portan ce (i.e., too sm all to be im -
portant)
26. (2 ) On ly A an d B
27. (4 ) to u se i t as a n egotiation tac-
tic
28. (5 ) Non e of th ese
29. (3 ) On ly A an d C
30. (4 ) B efore Pok h r an -II, tem pers
of th e ot h er cou n t ries h ad n ot
been cooled down
31. (3) l If som et h i n g pr ed i spo ses
you t o t h in k or beh ave i n a par -
ticu lar way, it m ak es it lik ely th at
you will th in k or beh ave in th at
way.
For ex am pl e,
Th ere is evid en ce to su ggest th at
factor s su ch as per son alit y an d
at ti tu de p redi sp ose som e i n d i-
vidu als to crim in al beh aviou r.
l If som eth in g pr edi sposes you
to a disease or il ln ess, it m ak es
it li k el y t h at you wi ll su ffer fr om
th at disease or ill n ess.
l When you ready something, you
pr epare it for a p art icu lar pu r -
pose.
l If som eon e or som et h i n g i s
r ead y t o d o som eth in g, th ey are
ab ou t to do it or l ik ely to d o i t.
For ex am pl e,
Sh e l ook ed r ead y to cr y.
So far as th e m ean in g of the word
p r edi sp o sed i n th e p assage i s
con cer n ed , we h ave n o ot h er
op tion t h an to ch oose op tion (3)
as th e an swer.
32. (2) l If you st r ess a poin t in a
discu ssion , you pu t extra empha-
si s on it becau se you th i n k it is
important.
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Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
l If you feel u n der st r ess, you
feel worr ied an d t en se becau se
of di ffi cu l ties in you r life.
l St r esses are st ron g p h ysical
pr essu res ap plied t o an ob ject.
l If you st r ess a wor d or p art of
a word wh en you say it , you p u t
em ph asis on it so th at i t sou n ds
sligh tly lou der.
So, st r ess an d em ph asi se ar e
syn onym ou s.
33. (4) Th e af t er m at h of an im por -
tan t even t, especi all y a h arm fu l
on e, is t h e sit u ati on th at resu l ts
fr om i t.
For ex am pl e,
In th e after m at h of t h e cou p , t h e
tr oop s op en ed fire on th e dem -
on strators.
l Th e co n seq u en c es of som e-
th in g are th e r esu l t or effects of
it.
l If on e t h in g h appen s an d th en
an oth er th in g h appen s in con se-
qu en c e, th e secon d th in g h ap-
pen s as a resu l t of t h e first.
l Som et h in g or som eon e of co n -
sequ en c e i s i m portan t or val u -
able.
So, for syn on ym of aft er m at h we
can ch oose t h e w or d c o n s e-
qu en ce.
34. (1) dissen sion
35. (5) u nfou n ded
36. (4) m in d
37. (2 ) th e h u m an body
38. (4 ) h e can p erceive th em
39. (2 ) t ry t o equ ate m en tal act ivi ty
to ph ysi cal activity
40. (4 ) Mi n d or sou l does n ot exi st
as an en tit y.
41. (4) “ Bot h offi cial an d corp orate
In dia h as al ways b een all ergic to
any m en tion of clean tech n ology”.
Th is is wh at is said in t h e fir st
p a r a gr a p h o f t h e p a s s a ge.
Cl ear ly th e an swer is (4 ).
42. (4) “_____ fu rth er crop failu re will
am ou n t t o a li fe an d death qu es-
ti on for m an y In di an s”.
T h o u g h “d w i n d l i n g
agricu ltu ral yield” (option 5) “fail-
u re in crops” (op tion 4), both can
be ch oosen , so far th e m ean i n g
an d im pli cat ion s ar e con cern ed.
Bu t as t h er e i s di rect m en tion ,
so we m u st ch oose opt ion (4 ).
43. (2) “Th e i n cr ease i n p rem at u r e
death s wi ll h ave ad ver se soci al
COMPREHENSION TEST
an d econ om ic con sequ en ces an d
a rise in m orbidities will place an
u n bearable bu rden on ou r cru m -
bli n g h ealth system ”.
So th e an swer is (2 ).
44. (1) Pr o f l i gac y i s ex t r avagan ce
an d wastefu l n ess : th e con tin u -
in g p rofl igacy of cer tain St ates.
So th e an swer is (1 ). Th e m ean -
in g t h e word pr ofl i gacy bears in
th e passage also su p por ts th is
conten tion .
45. (1 ) cr op failu re
46. (3) “M ost m ech an ical t wo wh eel-
ers roll off th e assembly lin e with -
ou t proper pol lu tion con t rol sys-
t em ”. T h i s s h o w s t h a t t w o
w h eel er i n d u s t r y i s n ot ad -
equ ately con cern ed ab ou t poll u -
ti on con t rol system s i n th e ve-
h i cl es.
47. (4) “Two expression s can be con -
si der ed in th i s r esp ect :
(1) _____ sk eptics m igh t qu estion
th e t im in g of t h e h aze repor t.
(2 ) U.N. en vir on m en t rep ort wi ll
li k el y to fi n d a pl ace in th e U.S.
ar sen al _____.
Th is sh ows th e passage in dicates
th at th e U.S. wan ts to u se it as a
h an d le agai n st t h e d evelop i n g
cou n t r i es i n t h e for t h com i n g
m eet.
48. (2) l If you are al l er gi c to som e-
thin g, you become ill or get a rash
wh en you eat it, sm ell it, or tou ch
it.
For ex am pl e,
I am allergi c to cat.
l If you h ave an al l er gi c r eacti on
to som eth in g, you b ecom e i ll or
get a rash wh en you eat i t, sm ell
it , or t ou ch i t.
l If you say th at you are al l er gi c
to som eth i n g or som eon e, you
m ean t h at you di sli k e th em very
st ron gly an d try to avoid th em .
For ex am pl e,
He was al ler gic to risk .
Th e word sim ilar i n m ean i n g to
al l er gi c is di sp assi on at e.
49. (5) Th e ver y i n t r od u ct or y sen -
t en ce t o th e passage m en ti on s
s o m e i n d i c a t or s . “Ra d i c a l l y
ch an gin g m on soon p att ern s” is
on e am on g th em . So, option (5)
is th e an swer.
50. (3) Th e con cl u d i n g sen ten ce i s
w or t h con si d er i n g i n t h i s r e-
-366-

sp ect . “We r eal ise th at we ar e all
in th is togeth er an d th at p oll u -
ti on an y wh ere sh ou ld be a gl o-
bal con cer n ot h er -wi se_____”
Ir respective of it s p oin t of or igi n ,
pollu t ion is a con cern for al l. So,
we m u st figh t pollu tion t ogeth er.
Th is is th e m essage of t h is pas-
sage.
51. (3 ) A seriou s cover of p oll u ti on
over t h e regi on
52. (5) U.S. has tightened safety stan -
dards for dr in k in g wat er
53. (2 ) a blam in g gam e between d e-
veloped an d developin g cou n tries
54. (1) Du bi ou s (Adjective) m ean s (i )
not certain and slightly su spiciou s
ab ou t som et h in g; dou btfu l; (i i )
pr obably dish on est or risk y; (i i i )
of wh i ch th e val u e is dou b tfu l.
So, t h e word u n qu est i on abl e is
th e on ly op tion th at can be con -
si der ed as t h e an t on ym of du bi -
ou s.
55. (2) h ealth in ess
56. (1 ) Pu rch ase of tr ash at a h igh er
pr ice by th e govern m en t is on ly
a tem porary solu tion to th e larger
problem
57. (2 ) On ly A an d C
58. (4 ) On ly A an d C
59. (3) The government in man y cou n-
t r i es h as d er ecogn i zed scr ap
dealers i n view of th eir u n pr ofi t-
abl e bu sin ess
60. (1 ) Th e effect of r ecessi on on t h e
fam ou s or gan izat ion s i s cl ear ly
n oticed wh er eas th e p ligh t of i n -
form al r ecycler s i s n egl ect ed
61. (2 ) B arri n g a few cit ies, gover n -
m ent waste recyclin g m ech anism
i s com p l et el y lack i n g i n t h ese
cou ntries
62. (1 ) En abl in g th e scrap dealers to
pu rch ase scrap at a p rice h igh er
th an th at of th e m ark et
63. (3 ) To su ggest th e st eps wh i ch
can h elp th e an gu ish ed r ecyclers
64. (1 ) Recession h as adversel y af-
fected th e pr ices of scr ap th u s
m ak in g it an u n p rofitable bu si-
n ess,
65. (4 ) To i n volve th em i n t h e orga-
n ized sector so as to en able th em
to h ave a st abl e i n com e
66. (5 ) Th e m ean in g of th e word Li q-
u i dat e (Ver b) as u sed i n th e pas-
sage i s : t o d estr oy or r em ove
som eb od y; som et h i n g ; t o sel l
som et h in g to get m on ey ;
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Loo k at t h e sen t en c e :
He liqu idated assets to m arry h is
dau gh ter.
Hen ce th e words l i qu i dat ed an d
sol d are synon ym ou s.
67. (4 ) Th e words cr ack s an d l oo p-
h ol es are synon ym ou s.
68. (3 ) Th e w or d s sh u t t er ed an d
cl osed are syn on ym ou s.
69. (4 ) Th e word I n v i si bl e (Adj ec -
t i v e) m ean s : t h at can n ot b e
seen .
Hen ce th e words i n v i si bl e an d
n ot i ceabl e are antonym ou s.
70. (1 ) Th e m ean i n g of t h e wor d
Sh ar p (Adj ect i ve) as u sed in th e
passage i s : su dden an d r api d,
especi all y of a ch an ge in som e-
th in g.
Look at t h e sen t en ce :
H e h ea r d a s h a r p i n t a k e o f
br eath .
Th e word Gr ad u al (Ad j ect i v e)
m ean s : h ap pen i n g slowly over
a lon g period ; n ot su dden .
Look at t h e sen t en ce :
Th e recovery from t h e di sease is
very gradu al.
H en ce, t h e w or d s Sh ar p an d
Gr adu al are an ton ym ou s.
71. (4) resen tm en t again st in tru ders
72. (3) a necessary con clu sion of th e
overcrowdin g i n cit ies
73. (3) k eep a ggr es si v e u r ges i n
ch eck
74. (1) can n ot con trol h is aggressive
beh aviou r
75. (2) ex p l a i n som e of the
beh aviou r of city dwell ers
76. (5) All (A), (B) an d (C)
77. (1) Th e p oor wi ll h ave access to
fr ee h ealth care in su ran ce, t h e
paym en t of prem iu m for wh i ch
wi ll be sh ou ld er ed by th e cen -
tral an d state govern m en t in th e
ratio of 3 : 1 respecti vel y.
78. (5) All (A), (B) an d (C)
79. (4) Only (B) an d (C)
80. (1) Th e In di an Health In su ran ce
In du stry – Th e Gradu al Ch an ge
81. (5) All (A), (B) an d (C)
82. (2) Only (A) an d (B)
83. (3) Th e IRDA’s p lan of m icro-i n -
su r an ce is for peop le wh o can
easil y afford i n su ran ce cover
84. (2 ) Th e m ean in g of t h e wor d Af-
fect (Ver b) as u sed in th e pas-
sage i s : to produ ce a ch an ge ;
COMPREHENSION TEST
cau se ; t o m ak e som et h in g h ap-
pen ; br in g abou t.
85. (1 ) Th e m ean i n g of t h e wor d
Su bj ect t o (Adj ect i v e) as u sed
in th e p assage is : con dit ion al
on ; l i k el y t o b e affect ed b y
someth in g ; depen din g on som e-
th i n g i n or der t o be com plet ed.
Look at t h e sen t en ces :
Fl igh ts are su bject t o d elay b e-
cau se of th e fog.
Th e arti cle is ready to pu b lish ,
su bject to you r approval.
86. (4) Th e m ean in g of th e word Au -
t h en t i cat ed (Adj ect i ve) as u sed
in th e p assage is : gen u in e.
87. (4 ) Th e m ean i n g of t h e wor d
Co m p l i c at e d (A d j ec t i v e) as
u sed in th e p assage is : diffi cu lt
to u n d erstan d; com plex.
Look at t h e sen t en ce :
Th e in str u ct ion s look very com -
plicated.
88. (3) Th e m ean i n g of t h e w o r d
H ef t y (Ad j ec t i v e) as u sed i n
th e p assage is : bi g an d stron g;
large; larger th an u su al.
Look at t h e sen t en ces :
H e sol d i t easi l y an d m ad e a
h efty pr ofi t.
Its an ton ym sh ou ld be sm al l .
89. (4) Th e m ean in g of th e word Re-
l u ct an ce (No u n ) as u sed i n t h e
passage is : u n will in gn ess; h es-
it at ion before d oi n g som et h i n g
becau se you do n ot wan t to do
it.
Look at t h e sen t en ce :
Th ey fin al ly agreed to ou r ter m s
with a cer tain r elu ctan ce.
Its antonym shou ld be k een n ess.
90. (2) The meanin g of th e word Di s-
ad v an t ageo u s (Ad j ec t i v e) as
u sed in th e p assage is : cau sin g
som ebody to be i n a worse sit u -
at ion com par ed t o oth er peopl e;
problem atic.
Look at t h e sen t en ce :
Th e deal will n ot b e disadvan ta-
geou s to ou r com pan y.
It s an ton ym sh ou ld be ben efi -
ci al .
91. (2) Th e wor d Cau l d r o n (No u n )
m ean s :a large deep pot for boil-
in g l iqu ids or cook in g food over
a fir e.
92. (3) China
93. (2) T h e w o r d St a g g e r (Ve r b )
m ean s :to walk with weak u n -
-367-

st ead y step s as if you are abou t
to fall; tot ter.
94. (3) Very poor
95. (1) H e was afr ai d of b ei n g l eft
behind
96. (3) Th ey were tir ed
97. (1) He di d n ot u n d erstan d wh y
th e m an was givin g h im a coin
98. (3) T h e w o r d Pa n t (Ve r b )
m ean s : to br eat h e qu i ck ly wi th
sh ort breath s, u su ally with you r
m ou th open .
99. (2) T h e w o r d A g o n y (N o u n )
m ean s : ex t r em e p h ysi cal or
m en tal pain .
100. (3) m aj or sou r ces of m at er i al s
for ch em ical in du stries.
101. (3) gorgeou s
102. (2) con ser vat i on i st s an d b ot a-
nists
103. (3) dam age to th e soil.
104. (1) will tak e on ly a few decades.
105. (4) On ly A (5 ) Non e of th ese
106. (2) Th ey h ave to op erate p u rely
on a n on -pr ofit basis.
107.(4) Th e poor were expl oit ed
108. (4) Th e in terests of th e m ost de-
servi n g am on g t h e poor wi ll be
n egl ected.
109. (5) Non e of th ese
110. (1) The m ean ing of th e word De-
par t (Ver b) as u sed in th e pas-
sage is : to behave in a way th at
is differen t from u su al.
Look at t h e sen t en ce :
Depar tin g from h is u su al rou -
ti n e, h e took t h e bu s to wor k .
Of t h e gi ven al t er n at i ves, t h e
word Absen t (Ver b) m ean s : to
n ot go to or b e in a p lace wh ere
you are expected t o b e.
Look at t h e sen t en ce :
He h ad absen ted h im self fr om
th e office yesterday.
H en ce, t h e wor ds d ep ar t an d
absen t are syn on ym ou s.
111. (5) Th e m ean i n g of t h e w or d
Pi qu e (Ver b) as u sed in the pas-
sage i s : t o m ak e som eb od y
very i n terest ed in som eth in g.
H en ce, t h e word s p i q u ed an d
fasci n at ed are synon ym ou s.
112. (5) Th e m ean i n g of t h e w or d
Ver ge (No u n ) as u sed i n t h e
p assage i s : ver y n ear t o t h e
m om en t wh en som ebody d oes
som eth i n g or som et h i n g h ap -
pen s.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
Look at t h e sen t en ce :
He was on t h e verge of t ear s.
Th e com pan y is on th e verge of
sign in g a n ew con tract.
H en ce, t h e wor d s v er ge an d
t h r esh ol d are syn on ymou s.
113. (1) Th e m ean i n g of t h e wor d
Aspi r i n g (Adj ect i v e) as u sed in
th e passage is : wanting to start
t h e car eer or act i vi t y t h at i s
m en ti on ed; wan t in g to be su c-
cessfu l in life.
Look at t h e sen t en ce :
Aspirin g m u sici an s n eed h ou rs
of practi ce ever yday.
H e cam e fr om an asp i r i n g
work in g-class back grou n d.
Hen ce, th e word s asp i r i n g an d
u n i n t er est ed are syn onym ou s.
114. (2) Th e m ean i n g of t h e wor d
Co r e (Ad j ec t i v e) as u sed i n
th e p assage is : th e m ost i m -
portan t or cen tral part of som e-
th in g.
Look at t h e sen t en ce :
Con cern for th e en viron m en t is
at th e core of ou r p oli tics.
Hen ce, th e words cor e an d u n -
n ecessar y are an ton ym ou s.
115. (5) All (A), (B) an d (C)
116. (1) To i m prove secu ri ty in order
to cou n ter in creasin g terr orism
117. (5) To br in g for th th e problem s
associ ated with th e In dia’s d e-
velop m en t an d t o su ggest m ea-
su r e to cou n ter t h em
118. (2) All (A), (B) an d (C)
119. (3) Only (C)
120. (4) Only (A) an d (C)
121. (2) Ch i ld l abou r an d th e resu lt-
in g dearth of edu cated you th
122. (4) By allottin g pr oper fu n ds for
research wh ich can be pr edi ct
th e ou tcom e of su ch calam iti es
an d th u s design relief m easu res
123. (4) The mean ing of th e word Sur-
v ei l l an ce (Nou n ) as u sed in th e
passage i s : th e act of carefu l ly
wat ch in g a person su spected of
a crim e; observation .
Look at t h e sen t en ce :
Th e police are k eep in g th e su s-
p ect s u n d er con st an t su rvei l -
lance.
Hen ce, th e words su r v ei l l an ce
an d o bser v at i o n ar e syn on y-
mou s.
COMPREHENSION TEST
124. (3) Th e m ean ing of th e word Pre-
r equ i si t e (Nou n ) as u sed in th e
p assage i s : som et h i n g t h at
m u st ex i st or h ap p en b efor e
som et h i n g else can h app en or
be don e; pr econ diti on .
Look at t h e sen t en ce :
A degree is an essen t ial pr ereq-
u isite for employmen t at this lev-
el .
Hen ce, th e words pr er eq u i si t e
and n ecessi t y are syn onym ou s.
131. (3 ) Evolve (Verb ) = (t o d evel op
gradu ally)
Look at t h e sen t en ce :
Each sch ool mu st evolve its own
way of work in g
132. (2) Om in ou s (Adu ective) = (su g-
gesti n g th at som eth in g b ad i s
goin g to h ap pen in th e fu t u re ;
forbodin g ; u n favou rable)
Om in ou sl y (Adverb)  favou r -
ably
141. (3) Pu n t (Nou n ) = a bet.
Look at t h e sen t en ce :
Th e i n vest m en t i s l i t t l e m or e
th an a pu n t.
142. (1) A c c u m u l a t e (Ve r b ) = t o
gr adu ally get m ore an d m ore of
someth ing over a period of tim e;
am ass.
Look at t h e sen t en ce :
I seem t o h ave accu m u lated a
lot of book s.
143. (3) H ar n ess (Ver b) = to con tr ol
an d u se th e force or stren gth of
som et h in g t o pr odu ce power or
to ach ieve som et h in g.
Look at t h e sen t en ce :
In vai n = u seless.
We m u st h ar n ess th e sk il l an d
cr eat ivi ty of ou r work force.
144. (2) Co n v en t i on al (Adj ect i v e) =
cu st om ar y; n or m al an d or d i -
n ary; ten din g to follow wh at is
don e or con si der ed accep tab le
by societ y.
Look at t h e sen t en ce :
Sh e is very con ven t ion al i n h er
views.
151. (5) B r i s k l y (A d v e r b ) =
h u rriedly, qu ick ly.
Look at t h e sen t en ces :
Ice cr eam ven dor s wer e d oin g
trade b risk ly.
152. (1) Sk ept i c (Nou n ) = a person
wh o u su ally dou bts th at claim s
or statem en t s ar e t ru e ; d isb e-
li ever. ppp
-368-

MODEL EXERCISES
Di r ect i on s (1 -6 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it.
As a m ediu m of literary expres-
sion , th e com m on lan gu age is in ad-
equ ate. Lik e the m an of l ett ers, t h e
scien tist fin ds it n ecessary to “give a
pu rer sen se to th e words of th e tribe”.
Bu t th e pu rity of scien tific lan gu age is
n ot th e sam e as th e pu rity of literary
lan gu age.
Th e aim of th e scien tist is to say
on ly on e th in g at a tim e, an d to say it
u n am bigu ou sly an d with th e greatest
possible clarity. To achieve this, he sim-
plifies an d jargon izes. In oth er words,
h e u ses th e vocabu lary an d syn tax of
com m on speech in su ch a way th at
each ph rase is su sceptible to on ly on e
in terpretation ; an d wh en th e vocabu -
lary an d syn tax of comm on speech are
too im precise for h is pu rpose h e in -
vites a n ew tech n ical lan gu age, or jar -
gon specially design ed to express th e
lim ited m ean in g with wh ich h e is pro-
fession ally con cer ned. At its m ost per -
fect ly pu r e form , scien tific lan gu age
ceases th e m atter of words an d term s
into m ath em atics.
Th e literary artist pu rifies th e lan -
gu age of th e tribe in a radically differ -
en t way. The scientist’s aim , as we have
seen , is to say on e th in g, an d on ly on e
th in g at a tim e. Th is, m ost em ph ati-
cally, is n ot th e aim of th e literary art-
ist. Hu man life is lived sim u ltan eou sly
on m an y levels an d h as m an y m ean -
in gs. Literatu re is a device for report-
ing the m u ltifariou s facts and express-
in g th eir variou s sign ifican ces. Wh en
th e literary artist u n dertak es to give a
pu re sen se to th e words of h is tribe,
h e does so with th e express pu rpose
of creatin g a lan gu age capable of con -
veyin g, n ot th e single m eanin g of som e
particu lar scien ce, bu t the mu ltiple sig-
nifican ce of hu man experience, its m ost
private as well as on its m ore pu blic
levels.
1. The passage high ligh ts th e differ -
en ce between
(1) th e lan gu age of scien ce and of
literatu re
(2) th e lan gu age of th e tribe an d
th at of a civilized m an
(3) jargon an d th e langu age of th e
common m an
(4) th e cen tral pu rpose of scien ce
an d literatu re
(5) Non e of th ese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
2. ‘J argon’in th e con text of th e pas-
sage m ean s
(1) difficu lt langu age
(2) techn ical lan gu age
(3) lan gu age with limited mean ing
(4) mathem atical lan gu age
(5) Non e of th ese
3. Th e pu rpose of literatu re accord-
in g to th e passage is to
(1) express views privately as well
as pu blicly
(2) report m u ltifariou s facts of life
(3) view life from variou s plan es
(4) Non e of th e above
(5) Non e of th ese
4. Th e lan gu age of scien ce is
(1) pr eci se (2) verbose
(3) ambiguou s (4) Non e of th ese
(5) Non e of th ese
5. Accordin g to th e passage
(1) lan gu age of scien ce is pu re
(2) lan gu age of literatu re is pu re
(3) th e lan gu age of scien ce an d
th at of literatu re, each in its
own way, m ak es for pu re ex-
pression
(4) Non e of th e above
(5) Non e of th ese
6. The word ‘u nambigu ou sly’(u nder -
lin ed) can best be replaced by
(1) vagu ely (2) du biou sly
(3) explicitly (4) amiably
(5) Non e of th ese
Di r ect i on s (7 -1 1 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it.
Today, every m ajor an th ology of
nineteen th -cen tu ry poetry in clu des ex-
am ples of th e wor k wh ich Ch ristin a
Rossetti produ ced du rin g h er lon g lit-
erary career. Bor n in 1830, sh e began
com posin g verse at th e age of eleven
arid con tin u ed to write for th e rem ain -
i n g fifty-t h r ee years of h er li fe. Her
broth er Dan te Gabriel Rossetti, h im -
self a poet and pain ter, soon recogn ized
h er gen iu s an d u rged h er to pu blish
h er poem s. By th e tim e of h er death in
1894, Ch ristin a h ad written m ore than
eleven h u n dred poem s an d h ad pu b-
lish ed over n in e h u n dred of th em . Al-
th ou gh th is work h as earn ed h er rec-
ogn ition as th e greatest woman poet of
th e Victorian Age, th ere is still n o au -
th oritative edition of h er poetry.
COMPREHENSION TEST
7. The word ‘an thology ’(line 1) prob-
ably m ean s
(1) Writer (2) collection
(3) poem (4) poet
(5) Non e of th ese
8. Ch ristin a Rossetti began writin g
poetry
(1) on ly after h er broth er u rged
h er to do so
(2) wh en sh e was fifty th ree years
old
(3) wh en sh e was very you n g
(4) wh en h er gen i u s was recog-
nized
(5) Non e of th ese
9. Ch ristin a’s broth er was probably
a good ju dge of h er work becau se
(1) h e loved h is sister very m u ch
(2) h e h im self pu blish ed, poem s
(3) h e was a poet
(4) h e was a fam ou s pain ter
(5) Non e of th ese
10. By 1894, Ch ristin a h ad
(1) pu bli sh ed on ly a few of t h e
m an y poem s sh e h ad written
(2) pu blish ed all th e poem s sh e
h ad written
(3) pu bl ish ed m ore t h an el even
h u n dred poem s
(4) pu blish ed over n in e h u n dred
poem s
(5) Non e of th ese
11. At th e time th is passage was writ-
ten , Ch ristin a Rosetti’s poetry
(1) was alm ost u n k nown
(2) was rarely pu blish ed
(3) h ad m ade h er k n own as th e
great est wom an p oet of th e
eigh teen th cen tu ry
(4) h ad n ot been collected in an
au th oritative edition
(5) Non e of th ese
Di r ect i on s (1 2 -1 7 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it.
Many of th e u nderdeveloped cou n-
tries will prom ote th e growth of th eir
econ om ies in on e way or th e oth er, n o
m atter wh eth er th ey receive su bstan -
tial ou tside aid in th e process or n ot.
Th e ch ar act er of th at d evelopm en t ,
h owever, is lik ely to be stron gly in flu -
en ced by the types an d am ou n ts of aid
available. Th e ou tcom e is m u ch m ore
lik ely to be favou rable, from th e stand-
poin t of th e objectives for su ccessfu l
-369-

developm en t set u p previou sly, if th ere
is su bstan tial in tern ation al aid th an if
th ere is n ot.
By su bstan tial aid I m ean n ot only
large am ou n ts of tech n ical assistan ce
bu t also of capital. In itially, th e capac-
ity of an u n derdeveloped cou ntry to u se
capital produ ctively m ay be su rpris-
ingly sm all-limited by lack of organiza-
tion , train ed person n el, an d oth er so-
cial obstacles. At th is stage tech n ical
assistan ce is its m ain n eed from ou t-
side, with comparatively small amou nts
of capital, m u ch of wh ich m ay h ave to
be in th e form of gran ts for n on -self
l i qu i d at i n g p r oj ect s- i n ed u cat i on ,
health , access roads to ru ral areas, and
th e lik e. If, at th is stage, su bstan tial
cap it al is avai l ab le fr om ou tsi de t o
su pplem ent wh at can be for med in ter -
n ally (and to stim u late intern al capital
form ation , for it does th at too) th e rate
of econ om ic growth can be con sider -
abl y in cr eased, an d th e st rain s an d
fru stration s an d political risk s of th e
developm en t process are lik ely to be
con siderably less.
It is possible for u n derdeveloped
econ om ies to m oder n ize th em selves
with very little capital from ou tside.
J apan im ports of capital were sm all
thou gh some of it came at cru cial tim es.
Th e con tribu tion of foreign direct in -
vestm en ts to the advan cem ent of tech -
n ical k n ow-h ow, also was greater th an
wou ld be in dicated m erely by th e size
of th e in vestm en t. Th e Soviet Un ion
indu strialized its econ om y with practi-
cally n o aid from foreign in vestm en t
capital except for th e foreign own ed
installations confiscated after the revo-
lu tion , th ou gh it im ported m ach in ery
in th e early days on sh ort term or in -
term ediate-ter m credits and h ired ser -
vices of foreign experts.
Both J apan an d Ru ssia ach ieved
th eir developm en t in an au th oritarian
political and social framework . The ou t-
com e in both cases from stan dpoin t of
th e peace of th e world an d dem ocratic
ideals, w as h igh ly u n favou rable.
In th e absen ce of ou tside aid, th e
on ly way to accu m u late capital, is to
i n crease p rodu cti on wi th ou t t ak in g
m u ch of th e ben efit in m ore consu m p-
tion , or even wh ile pu sh in g con su m p-
tion standards down. Where the people
are already n ear th e su bsisten ce level
t h i s m ay m ean ex t r em e h ar d sh i p .
Som ehow the people mu st be motivated
t o ch an ge t h ei r accu st om ed w ay s
qu ick ly, to work h ard , an d to for go
present consu mption so that capital in-
vestm en ts can be m ade.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
12. Th e passage says th at
(1) with ou t foreign aid n o u n der -
developed cou n try can grow
(2) u n d er d evel op ed cou n t r i es
m u st refrain from seek ing for -
eign aid
(3) th e econ om ies of u n derdevel-
oped cou n tries are m ore lik ely
to grow faster with su bstan -
tial foreign aid th an with ou t
(4) u n derdeveloped cou ntries are
econ om i cal l y b ack ward b e-
cau se th eir govern m en ts h ave
n ot got th eir priorities righ t
(5) Non e of th ese
13. Su bst an tial aid in th is con text
means
(1) t ech n i cal assi st an ce i n t h e
form of train ed person n el
(2) capi tal in t h e for m of b an k
loan s an d overdrafts
(3) large am ou n ts of techn ical as-
sistan ce an d capital
(4) a ch eap an d plen tifu l su pply
of labou r
(5) Non e of th ese
14. The availability of su bstantial capi-
tal from ou tside
(1) can h elp to stim u late in tern al
capital form ation
(2) does en cou rage wastefu l ten -
den cies
(3) seldom h elps to accelerate th e
rate of in tern al growth
(4) ten ds to discou rage local capi-
tal form ation
(5) Non e of th ese
15. Th e passage says th at
(1) J apan i m p ort ed su bstan ti al
capital before it becam e m od-
ern ized
(2) the Soviet Union in du strialized
its econ omy with plenty of for -
eign in vestm en t capital
(3) J apan rejected offers of su b-
stantial foreign capital in vest-
m en t at th e eariy stages of its
econ om ic developmen t
(4) in t h e earl y days of its eco-
n om ic developmen t th e Soviet
Union im ported m ach in ery on
sh or t-t er m or i n t erm edi ate-
term credits an d h ired foreign
experts
(5) Non e of th ese
16. Wh ich of th e followin g poin ts or
statem en ts did th e writer actu ally
mak e?
COMPREHENSION TEST
(1) J apan an d Ru ssi a ach i eved
th eir developm en t in a dem o-
cratic fram ework
(2) J apan an d Ru ssi a ach i eved
th eir developm en t in an au -
thoritarian political an d social
fram ework
(3) J apan an d th e Soviet Un ion
wou ld h ave developed faster
h ad th ey relied on dem ocratic
meth ods
(4) J apan an d th e Soviet Un ion
are still am on g th e u n derde-
veloped cou n tries of th e world
(5) Non e of th ese
17. In th e absen ce of ou tside aid,
the only way to accu m u late capi-
tal is to
(1) in crease tax an d im port du ties
(2) lau n ch an in tern al cam paign
for th e con versation of goods
an d property
(3) in crease produ ction wi th ou t
tak in g m u ch of th e ben efit in
m ore con su m ption
(4) m ak e con dition s attractive to
foreign in vestors
(5) Non e of th ese
Di r ect i on s (1 8 -2 2 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it.
Both plan ts an d an im als of m an y
sor t s sh ow r em ar k ab l e ch an ges i n
for m , st ru ctu r e, growth h ab i ts an d
even m ode of reprodu ction in becom -
in g adapted to differen t clim atic en vi-
ronm en t, types of food su pply or mode
of livin g. Th is divergen ce in respon se
to evolu tion is com m only expressed by
alterin g th e form an d fu n ction of som e
parts of the organism, the original iden-
tification of wh ich is clearly discern -
ible. For exam ple, th e creepin g foot of
t h e sn ai l i s seen in r el ated m ar in e
pteropods to be m odified in to flappin g
or gan u sefu l for swi m m i n g, an d i s
ch an ged into prehensile arm s that bear
su ctorial disk s in th e squ ids and oth er
ceph alopods. Th e lim bs of m odes of
life— for swift ru n n in g (cu rsorial) as in .
th e h orse an d an telope, for swin gin g
in trees (arboreal) as in th e m on k eys,
for diggin g (fossorial) as in th e m oles
an d goph ers, for flyin g (volan t) as in
th e bats, for swim m in g (aqu atic) as in
th e seals, wh ales an d dolph in s, an d
for oth er adaptation s. Th e stru ctu res
or organ s th at sh ow m ain ch an ge in
con n ection with th is adaptive diver -
gen ce are com m on ly iden tified readily
as h om ologou s, in spite of great alter -
ations. Th u s, th e finger and wristbones
-370-

of a bat an d wh ale, for in stan ce, h ave
virtu ally nothing in common except that
th ey are definitely equ ivalen t elem en ts
of th e m am malian lim b.
18. Wh ich is th e m ost appropriate
title for th e passage, based on its
con tent?
(1) Evolu tion
(2) Ou r Ch an gin g Bodies
(3) Adaptive Divergen ce
(4) Ch an ges in Organ s
(5) Non e of th ese
19. Th e au th or provides in form ation
th at wou ld an swer wh ich of th e
followin g qu estion s :
I . Wh at factors cau se ch an ge in or -
ganism?
II . Wh at is th e th eory of evolu tion ?
III. Cou ld stru ctu rally different organs
be sim ilar in evolu tion ?
(1) I on ly (2) II on ly
(3) I an d III (4) I, II an d III
(5) Non e of th ese
20. The au th or organizes the passage
by
(1) com parison an d con trast
(2) gen eral st at em en t s foll owed
by exam ples
(3) h ypoth esis an d proof
(4) defin ition of k ey term s
(5) Non e of th ese
21. Wh i ch of t h e fol l owi n g wor d s
cou ld best be su bstitu ted to ‘h o-
m ol ogou s’ (u n derl in ed) with ou t
s u b s t a n t i a l l y ch a n gi n g t h e
au th or’s mean in g?
(1) Divergen t
(2) Correspondin g
(3) Altered
(4) Tactile
(5) Non e of th ese
22. Th e au th or ’s style can b est be
described as
(1) objective (2) hu morou s
(3) esoteric (4) patronizing
(5) Non e of th ese
Di r ect i on s (2 3 -2 7 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it.
Scarce diam on ds are m ore valu -
able th an th e clu sters of sm aller crys-
tals k n own as bor t an d car bon ad o.
Th ese diam on ds are large sin gle crys-
tals of gen u in e crystallin e carbon .
Diam on ds are fou n d in diam an -
tiferou s earth th at is located in both
open -air pits an d u n dergrou nd m ines.
To retrieve th e diam on ds, th e earth is
cru sh ed an d con cen trated. Th e con -
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cen trated m aterial is th en sorted by
passin g i t over str eam s of water on
gr eased t abl es. Sin ce diam on ds are
water repellen t th ey will stick to th e
grease, wh ile th e oth er m in erals will
absorb water an d pass over th e grease.
Th e diam on ds are th en rem oved from
t h e gr ease an d cl ean ed , ex am in ed ,
sorted an d graded. Th e best diamon ds
are noted for th eir cleavage, their tran s-
lu cen ce an d th eir colou r.
All diam on ds h ave a n atu ral lin e
of cleavage alon g wh ich th ey m ay be
split, an d it is essen tial to split th em
before th ey are cu t an d polish ed. Be-
fore th ey are cu t an d polish ed, th ey
look lik e tin y blu e-grey ston es; th ey do
n ot twin k le or sh in e yet. A perfectly
cu t an d polish ed diam on d has 58 faces
arran ged regu larly over its su rface. It
wi ll b e t ran slu cen t an d col ou r less.,
blu e, wh ite, green or yellow. Th e valu e
of a jewel diam on d depen ds largely on
its colou r or ‘water’, as it is called pro-
fession ally. A ston e of th e fin est water
is blu e-wh ite.
23. Which of th e following statements
i s best su p port ed b y th is p as-
sage?
(1) Th e valu e of a diam on d is in
large part dep en den t on th e
way it is prepared
(2) Th e n atu ral cleavage will de-
t er m i n e t h e val u e of a d ia-
mond
(3) Tran slu cen t an d tran s-
paren t diam on ds are con -
sidered th e m ost valu able
(4) It is easy to retrieve diam on ds
from u n dergrou n d m in es
(5) Non e of th ese
24. Which of th e following most prob-
ably was th e su bject of th e para-
graph precedin g th e passage?
(1) A d i scu ssi on of scar ce d ia-
mon ds
(2) A d i sc u s si on o f b o r t a n d
carbonado
(3) A discu ssion of variou s colou rs
of diam on ds
(4) A discu ssion of m ean s of min -
ing diamonds
(5) Non e of th ese
25. Th e r el at i on sh i p b et w een t h e
cl eavage an d tr an slu cen ce of a
diamond m ost sim ilar in relation -
sh ip b etween th e style of a car
an d its
(1) colou r (2) size
(3) price (4) sp eed
(5) Non e of th ese
COMPREHENSION TEST
26. Th e word ‘gen u in e’ (u n derlin ed)
cou ld best be replaced by wh ich
of th e followin g?
(1) Palpable (2) Spu riou s
(3) Real (4) Accu rate
(5) Non e of th ese
27. Which of th e following statements
best describes the organization of
th is passage?
(1) Com parison an d Contrast
(2) Chron ological Order
(3) Statem ents and Illu stration
(4) Cau se an d Resu lt
(5) Non e of th ese
Di r ect i on s (2 8 -3 2 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it.
Patriotism is a very com plex feel-
in g, bu ilt u p ou t of prim itive in stin cts
an d h i gh ly in tel lect u al con vict ion s.
Th ere is love of h om e an d fam ily an d
frien ds, m ak in g u s pecu liarly an xiou s
to preserve ou r own cou n try from in -
vasion. There is the m ild instinctive lik -
in g for com patriots as again st foreign -
ers. Th ere is pride, wh ich is bou n d u p
with th e su ccess of th e com m u n ity to
wh ich we feel th at we belon g. Th ere is
a belief, su ggested by pride bu t rein -
forced by h istory, th at on e’s own n a-
tion represen ts a great tradition an d
stan ds for ideals th at are im portan t to
th e h u m an race. Bu t besides all these,
th ere is an oth er elem en t, at on ce n o-
bler an d m ore open to attack , an ele-
m en t of worsh ip, of willin g sacrifice,
of joyfu l m ergin g of th e in dividu al life
in th e life of th e n ation . Th is religiou s
elem en t in patriotism is essen tial to the
stren gth of th e State, sin ce it en lists
th e best th at is in m ost m en on th e
side of n ation al sacrifice.
28. A su itable t itle for th e passage
cou ld be
(1) Elem ents of Patriotism
(2) Hi storical D evelop m en t of a
Nation
(3) T h e Rol e o f Rel i gi o n an d
Histoiy in Patriotism
(4) Religion an d Patriotism
(5) Non e of th ese
29. Describi n g th e el em en t of wor -
sh ip ‘Open to attack ’, th e au th or
im plies th at it
(1) is u n n ecessary
(2) leads to n ation al sacrifice
(3) h as n o h istorical basis
(4) can n ot be ju stified on rational
grou nds
(5) Non e of th ese
-371-

30. Th e ton e of th e passage can best
be described as
(1) critical (2) descriptive
(3) persu asive (4) analytical
(5) Non e of th ese
31. Which of th e following can clearly
b e gr ou p ed u n d er ‘i n t el lect u al
con viction s’th e au th or m en tion s
in th e open in g sen ten ce?
(1) Love of fam ily
(2) Love of com patriots
(3) Th e elem en t of worsh ip
(4) Non e of th ese
(5) Non e of th ese
32. Wh ich on e of th e followin g state-
m en ts is false ?
(1) We ten d to lik e ou r own cou n -
trymen better th an we lik e for -
eign ers
(2) Nation s always stan d for ide-
als th at are im portan t to th e
h u man race
(3) It is th e religiou s elem en t
in patriotism th at m otivates
u s for sacrificin g ou rselves for
ou r nation
(4) Ou r pride of th e com m u n ity
is bou nd with the commu n ity’s
su ccess
(5) Non e of th ese
Di r ect i on s (3 3 -3 7 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it.
An xiety an d con scien ce are a pair
of powerfu l dyn am os. Of cou rse, I can
on ly speak for m yself. Between th em ,
th ey h ave en su red th at on e sh all work
at an yth in g worth while. They are blin d
forces wh ich drive bu t do n ot direct.
Fortu n ately, I h ave also been m oved
by a th ird m otive— th e wish to see an d
u n derstan d. Cu riosity is an oth er m o-
tive for action . It is also on e of th e dis-
tin ctive ch aractersitics of h u m an n a-
tu re an d con trasted with th e n atu res
of n on -h u m an anim als. All h u m an be-
in gs h ave cu r iosity in som e degrees
and we also h ave it abou t th in gs wh ich
are of n o practical u se.
Cu riosity may be focu ssed on any-
th in g in th e u niverse, bu t th e spiritu al
reality of th e phenomena sh ou ld be th e
u ltim ate objective of all cu riosity for it
to be fru itfu l. Th an k s to m y m oth er,
m y approach to th is u ltim ate objective
is th rou gh th e story of h u m an affairs.
33. Wh at is the main objective of this
passage?
(1) Distin gu ish between h u m an
bein gs an d an imals
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(2) Project cu riosity as a poten t
m otivatin g factor
(3) Project an xiety an d con -
scien ce as in adequ ate moti-
vators
(4) Motivation and spiritu al reality
(5) Non e of th ese
34. A ch aracteristic pecu liar to h u -
m an bein gs th at is referred to is
(1) su perior in telligen ce
(2) spirit of en qu iry
(3) capacity to rationalize and ana-
lyze
(4) ab il ity t o sh i ft th e pr act ical
from th e im practical
(5) Non e of th ese
35. Which of th e following statements
is tru e accordin g to th e passage?
(1) An im als are as cu riou s as h u -
m an bein gs
(2) Cu riosity is th e on ly motive for
action
(3) People m otivated by cu riosity
do n ot n eed oth er m otives to
gu ide th em
(4) People m otivated by an xiety
an d con scien ce alon e can be
m isdirected
(5) Non e of th ese
36. Accordin g to th e au th or,
(1) h ose wh o h ave little cu riosity
are cu riou s abou t u nimportant
things
(2) apart from h u m an s n o oth er
livin g bein gs h ave th e gift of
cu riosity
(3) th e h igh est form of cu riosity
can be satisfied by stu dy of
h u man affairs alon e
(4) spiritu al reality is the u ltim ate
goal of hu m ans throu gh action
(5) Non e of th ese
37. The au th or su bscribes to th e view
(1) on e’s cu riosit y sh ou ld focu s
beyon d th e facade on th e la-
ten t m ean in g of th in gs
(2) cu riosity is an in h erited fam -
ily ch aracteristics
(3) a stu dy of h u m an affairs is th e
m ost effective m eth od of sat-
isfying on e’s cu riosity
(4) in order to m otivate, cu riosity
m u st be cou pled with an xiety
an d con scien ce
(5) Non e of th ese
Di r ect i on s (3 8 -4 2 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it.
Over fou r h u n dred years after h is
death , sch olars are still travellin g th e
m ysteries of Mi ch elan gel o’s art . Re-
COMPREHENSION TEST
cen tly, on e m ystery th at was revealed
was th at h is fam ou s drawin g of a pen -
sive Cleopatra in clu ded a hidden draw-
in g of a differen t Cleopatra on th e re-
ver se si d e. Th i s h i d d en Cl eop at r a
sh ows a t or m en t ed wom an , wh ose
eyes stare ou t at th e viewer an d wh ose
m ou th is open , scream in g in h orror.
Th e two im ages, drawn on two sides
of th e sam e paper, can be viewed si-
m u ltan eou sly, A secon d m ystery con -
cerns Michelan gelo’s arch itectu ral plan
for th e dom e of St. Peter’s Basilica in
Rom e. Did h e in ten d for th e dom e to
look lik e th e m odel h e bu ilt between
1558 an d 1561? Or did h e ch an ge h is
m in d after bu ildin g th e m odel an d de-
cide to elevate th e dom e in th e way It
is today? Sch olars do n ot agree on th e
an swer. A th ird m ystery abou t on e of
th e greatest artists wh o ever lived was
wh y h e destroyed h u n dreds or th ou -
san ds of h is drawin gs before h e died.
Did he feel they were u nimportan t? Did
h e wan t posterity to see on ly h is fin -
ish ed produ cts?
38. It can be in ferred from th e pas-
sage th at th e m ost u n u su al as-
pect of th e Cleopatra drawin g is
that
(1) th e figu re is torm en ted
(2) th e figu re is scream in g
(3) on e drawin g is h idden
(4) on e drawin g is back ward
(5) Non e of th ese
39. Th e word ‘pen sive’ (u n d erlin ed)
can best be su bstitu ted with th e
word
(1) an gry (2) happy
(3) anxiou s (4) thou ghtfu l
(5) Non e of th ese
40. Th e dom e of St. Peter’s Basilica
(1) bears n o relation to th e on e in
th e m odel
(2) was destroyed after th e m odel
was bu ilt
(3) is raised m ore th an th e on e in
th e m odel
(4) follows th e plan of th e m odel
(5) Non e of th ese
41. A cc o r d i n g t o t h e p a s s age,
Mich elan gelo is
(1) a private person
(2) on e of th e greatest artists in
th e world
(3) th e m ost fam ou s arch itect in
Rome
(4) scream in g in h orror
(5) Non e of th ese
-372-

42. Wh y did Mich elan gelo destroy so
m an y drawin gs before h e died?
(1) Nobody k n ows
(2) Th ey were u n im portan t
(3) Th ey were on ly drafts
(4) He h ad ch an ged th e drawin gs
(5) Non e of th ese
Di r ect i on s (4 3 -4 7 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it.
On e sim ple ph ysical con cept lies
b eh in d th e for m ati on of t h e st ar s :
gravitational instability. Th e con cept is
n ot n ew. Newton first perceived it late
in th e 17th Cen tu ry.
Im agin e a n n iform , static clou d of
gas in space. Im agin e then th at the gas
is som ehow distu rbed so that one small
spherical region becomes a little denser
th an the gas arou nd it so th at the small
r egion ’s gr avit ati on al fi eld b ecom es
sligh tly stron ger. It n ow attracts m ore
m atter to it an d its gravity in creases
fu rth er, cau sin g it to begin to con tract.
As it con tracts its den sity in creases,
wh ich in creases its gravity even m ore,
so th at it pick s u p even m ore m atter
an d con tracts even fu rth er. Th e pro-
cess con tin u es u n til th e sm all region
of gas fin ally form s a gravitation ally
bou n d object.
43. Th e prim ary pu rpose of th e pas-
sage is to
(1) describe a static con dition
(2) su pport a th eory con sidered
ou tm oded
(3) depict th e su ccessive stages
of a ph en om en on
(4) dem on strate th e evolu tion of
th e m ean in g of a term
(5) Non e of th ese
44. It can be in ferred from th is pas-
sage th at th e au th or views th e in -
form ation con tain ed with in it as
(1) lack ing in elaboration
(2) origin al bu t obscu re
(3) specu lative and u n profitable
(4) u n com plicated an d tradition al
(5) Non e of th ese
45. With which of th e following words
can you replace the word u niform
as given in th is passage?
(1) Uniting (2) Varying
(3) Gaseou s (4) Unvaryin g
(5) Non e of th ese
46. Wh at does th e u n derlin ed word
‘it’stan d for in th e passage?
(1) Gravitation al instability’
(2) Clou d of gas
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(3) Sm all sph erical den ser region
(4) Matter
(5) Non e of th ese
47. Th e au th or provides in form ation
th at an swers wh ich of followin g
qu estion s?
I . Wh at cau ses t h e d ist u rb an ces
th at ch an ges th e clou d from its
original static con dition ?
II . How does th is sm all region ’s in -
creasin g den sity affect its gravi-
tational field?
III. Wh at i s t h e en d r esu l t of t h e
gradually increasing concentration
of th e sm all region of gas?
(1) I on ly (2) II on ly
(3) II an d III (4) I, II an d III
(5) Non e of th ese
Di r ect i on s (4 8 -5 2 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it.
Are th e 1980s an d 1990s, th e era
of colou r? Accordin g to som e people,
th ey are. Now you can bu y radios an d
electric fans in laven der and pink . Res-
tau ran ts h ave an em ph asis on flowers
an d colou rfu l plates. Care are com in g
ou t in pin k an d aqu a. Even bath room
fixtu res are bein g m ade in ‘h on eydew’
an d ‘blon d’. Part of th e im portan ce of
th e colou r of an object is that th e colou r
affects th e way on e feels abou t it. You
wan t a vacu u m clean er to look ligh t
an d easy, wh i ch i s wh y i t m ay b e
colou red in pastels an d ligh t colou rs.
Bu t garden in g equ ipm en t you wan t to
look power fu l. You wou ld n ever fin d a
lawn m ower in pin k , bu t red wou ld be
fin e. Not very lon g ago, sh eets were
always wh ite an d refrigerators com -
m on ly cam e in colou rs lik e ‘old gold’
‘avocado green ’an d ‘copperton e’. Now
th ose are th ou gh t of as old-fash ion ed.
Popu lar colou rs chan ge becau se fash -
ion in flu en ces everyth in g. In fact, n ew
colou rs often sprin g from th e fash ion
in du stry. If s a lot ch eaper to m ak e a
blou se or sk irt than a sofa. After people
get u sed to seeing new colou rs on cloth-
in g or towels, th ey are ready to accept
th ose colou rs in carpetin g, refrigera-
tors, or cars. Colou r -an alysis con su lt-
an ts h ave been very su ccessfu l in re-
cen t years. People wan t to ch oose th e
most flattering colou rs for mak e u p and
cloth in g. Som e car design ers are even
sayin g th at people m ay begin bu yin g
cars of th e colou r th at goes with th eir
sk in colou rin g. Th is sou n ds too ex-
trem e. It’s h ard to believe th at people
are that im pression able
COMPREHENSION TEST
48. Th e m ain su bject of th e passage
is
(1) popu lar colou rs today
(2) colou r consu ltants
(3) th e in flu en ce of colou r
(4) colou rs th at flatter people
(5) Non e of th ese
49. Th e word ‘era’in lin e 1 cou ld best
be replaced by wh ich of th e fol-
lowin g words?
(1) Season (2) Age
(3) Epic (4) Generation
(5) Non e of th ese
50. Accordin g to th e au th or, which of
th e following is n ot popu lar n ow?
(1) Copperton e
(2) Colou rfu l cars
(3) Pastels
(4) Colou rfu l bath room fixtu res
(5) Non e of th ese
51. Accor d i n g t o t h e au t h or, w h y
wou ld red be a good colou r for a
lawn m ower?
(1) Becau se it is stron g
(2) Becau se it is ch eap
(3) Becau se it is ligh t
(4) Becau se it is pastel
(5) Non e of th ese
52. In th is passage, wh ich of th e fol-
lowin g are n ot u sed as n am es for
colou rs?
(1) Fru it (2) Hair colou r
(3) Minerals (4) Drin k s
(5) Non e of th ese
Di r ect i on s (5 3 -6 2 ) : Read th e fol-
lowin g passage carefu lly an d an swer
th e qu estion s given below it.
Man agem en t is a set of processes
th at can k eep a com plicated system of
p eo p l e a n d t ech n o l o gy r u n n i n g
sm ooth ly. Th e m ost im portan t aspects
of m an agem ent inclu de plan ning, bu d-
geting, organ izin g, staffin g, con trollin g
an d problem solvin g. Leadersh ip is a
set of processes th at creates organ iza-
tion s in th e first place or adapts th em
t o si gn i fi can t l y ch an gi n g ci r cu m -
stan ces. Leadersh ip defin es wh at th e
fu tu re sh ou ld look lik e, align s people
with th at vision , an d in spires th em to
m ak e it h appen despite th e obstacles.
Th is distinction is absolu tely cru cial for
ou r pu rposes h ere. Su ccessfu l tran s-
for m ation is 70 to 90 per cen t leader -
sh ip an d on ly 10 to 30 per cen t m an -
agem en t. Yet for h i st or ical reason s,
m an y organ ization s today don ’t h ave
-373-

m u ch leadership. And alm ost everyon e
th in k s abou t th e problem h ere as on e
of m an agin g ch an ge.
For m ost of th is cen tu r y, as we
created th ou san ds an d th ou san ds of
large organ ization s for th e first tim e in
h u man h istory, we didn ’t h ave en ou gh
good m an agers to k eep all th ose bu -
reau cracies fu nctioning. So man y com-
pan ies and u niversities developed m an-
agem en t program m es an d h u n dreds
an d th ou san ds of people were encou r -
aged to learn m an agem en t on th e job.
An d th ey did. Bu t, people were tau gh t
littl e abou t l eadersh i p. To som e de-
gree, m an agem en t was th e m ain item
on th e twen tieth -cen tu ry agen da be-
cau se t h at’s wh at was n eeded . For
every en trepren eu r or bu siness bu ilder
who was a leader, we needed h u ndreds
of m an agers to ru n th eir evergrowin g
en terp rises.
Un fortu n ately for u s today, th is
em ph asis on m an agem en t h as often
been in stitu tion alized in corporate cu l-
tu res th at discou rage em ployees from
learn in g h ow to lead. Iron ically, past
su ccess is u su ally th e k ey in gredien t
in produ cin g th is ou tcom e. Th e syn -
drom e., as 1 h ave observed it on m an y
occasion s, goes lik e th is : su ccess cre-
at es som e d egr ee of m ar k ed d om i -
n an ce, wh ich , in tu rn , produ ces m u ch
growth . After a wh ile k eepin g th e ever
larger organ ization u n der con trol be-
com es th e prim ary ch allen ge. So at-
ten tion tu rn s in ward, an d m an agerial
com p et en ci es are n u r tu r ed . Wi t h a
stron g em ph asis on m an agem en t bu t
n ot leader sh ip, b u reau cr acy an d an
in ward focu s tak e over. Bu t with con -
tin u ed su ccess, th e resu lt m ostly of
m ark et dom in an ce, th e problem often
goes u n addressed an d an u n h ealth y
arrogan ce begin s to evolve. All of th ese
ch aracteristics th en m ak e an y tran s-
form ation effort- m u ch m ore difficu lt.
Arrogant managers can over evalu -
ate their cu rren t perform ance and com-
petitive position, listen poorly, and learn
sl owly. In ward ly focu sed em ployees
can sm oth er t h ose wh o wan t to r e-
spon d to sh iftin g con dition s. An d th e
lack of leadersh ip leaves n o force in -
side th ese organ ization s to break ou t
of th e m orass.
53. What is the main topic of the pas-
sage?
(1) Im por t an ce of m an agem en t
schools in th e present con text
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(2) Good man agers
(3) Im portance of leadership in an
organization
(4) Man agem en t an d su ccess of
an organization 58.
(5) Non e of th ese
54. Wh y did com pan ies an d u n iver -
sities develop programm es to pre-
pare m an agers in large nu mbers?
(1) Com pan i es an d u n iversiti es
w an t ed t o gen er at e fu n d s 59.
th rou gh th ese program m es
(2) Organ ization s wan ted to cre-
ate com m u n ication n etwork
th rou gh train ed m an agers
(3) Large nu mber of organizations
were created an d th ey n eeded
m an agers in good n u m bers
(4) On ly train ed m an agers cou ld
lead an organization to su ccess
(5) Non e of th ese
55. Which of th e following statements
60.
is n ot tru e accordin g to th e pas-
sage?
(1) Bu reau cratic cu ltu re smothers
th ose wh o want to change con-
ditions
(2) Leadersh ip in volves carryin g
ou t im portan t fu n ction s su ch
as bu dgetin g and plann in g
(3) Pressu re on m an agers com es
m ostly from with in
(4) Leadersh ip h as th e poten tial
to establish direction 61.
(5) Non e of th ese
56. Man agem en t edu cation was em -
p h asi zed i n t h e m an agem en t
program m es becau se
(1) m ot i vat i n g em p l oy ees was
th ou gh t to be don e by m anag-
er s
(2) organizations wanted to create
a powerfu l gu idin g coalition
(3) establishing direction was the
m ain force of organ ization s 62.
(4) m an agem en t was t h e m ai n
item of agenda in organizations
(5) Non e of th ese
57. Wh at is th e h istorical reason for
m an y or gan i zati on s n ot h avi n g
leadersh ip?
(1) Leaders allow too m u ch com -
placen cy in organization s
(2) Leaders are n ot adept in car -
rying ou t managerial fu nctions
an d organ ization s n eed good
m an agers on ly
COMPREHENSION TEST
(3) Th e view th at leaders are born
an d n ot m ade
(4) Socio-political pressu re
(5) Non e of th ese
Wh ich of th e followin g is sim ilar
in meaning to the u nderlined word
‘n u rtu red’as u sed in th e passage?
(1) Created (2) Developed
(3) Su rfaced (4) Th warted
(5) Non e of th ese
Wh at accordin g to th e au th or is
leadersh ip?
(1) In spirin g peopie to realise th e
vision
(2) Pl an n i n g an d bu dgeti n g r e-
sou rces
(3) Carryin g ou t the cru cial fu n c-
tion of m an ager
(4) Keep th e tech n ology ru n n in g
smoothly
(5) Non e of th ese
Wh ich of the followin g ch aracter -
istics help organization s in their
transform ations efforts?
(1) Bu reau cratic an d in ward look -
in g approach
(2) A stron g an d dogmatic cu ltu re
(3) Emph asis on leadership rather
th an m an agem en t
(4) Em ph asis on cu stom er satis-
faction
(5) Non e of th ese
Wh y wer e p eop l e t au gh t l i t t l e
abou t leadersh ip in m an agem en t
programm es?
(1) En ou gh st u d y m at eri al was
not available
(2) Leadersh ip was con sidered a
political phenomen on
(3) Focu s of th ese p rogram m es
was on developin g m an agers
(4) Non e of th e above
(5) Non e of th ese
Which of th e following statements
is false according to th e passage?
(1) Bu reau cracy fosters arrogan t
cu ltu re
(2) Leadersh ip com peten cies are
nu rtu red only in very large size
organizations
(3) Su ccessfu l tran sform ation in
organization is largely possible
becau se of leadersh ip
(4) Man agers ten d to stifle in n o-
vation
(5) Non e of th ese
-374-
 COMPREHENSION TEST
16. (2) Refer th e first sen ten ce of th e equ al to laten t m ean in g of th in gs
SHORT ANSWERS fou rth paragraph . shou ld be the u ltim ate con cern of
17. (3) Refer first sen ten ce of th e fifth cu riosity.
1. (1) 2.(3) 3.(2) 4.(1) paragraph . 38. (3) Refer ‘on e m ystery’.
5.(3) 6.(3) 7.(2) 8.(3) 18. (3) T h e p as s a ge d i s c u ss es 39. (4) Both are equ al.
ch an ges in differen t organ s as a 40. (3) Refer “decide to elevate ........
9.(3) 10.(4) 11.(4) 12.(3) respon se to adaptation . Evolu tion today”.
13.(3) 14.(1) 15.(4) 16.(2) is th e catalytic factor in th e pas- 41. (2) Ref er “o n e o f t h e gr eat -
sage n ot th e cen tral th em e. est........ lived ”.
17.(3) 18.(3) 19.(3) 20.(2)
19. (3) En vi r on m en t , food su p p l y, 42. (1) Th e cau se is n ot m en tion ed in
21.(2) 22.(1) 23.(3) 24.(1) m ode of livin g (for qu estion 1.), th e passage,
25.(1) 26.(3) 27.(3) 28.(1) h omologou s (for qu estion 3). 43. (4) Th e phenomen on is die form a-
20. (2) Th e au th or h as exem p li fi ed tion of a star.
29.(4) 30.(4) 31 .(4) 32.(2) wh at h e h as stated. 44. (4) Refer ‘si m p l e p h ysical con -
33.(2) 34.(2) 35.(4) 36.(2) 21. (2) Hom ologou s means sim ilar or cept’, ‘n ot n ew’.
correspon din g. 45. (4) Un varyin g is n ot differin g (=
37.(1) 38.(3) 39.(4) 40.(3)
22. (1) An ob j ect i ve st y l e t r i es t o u niform ).
41.(2) 42.(1) 43.(4) 44.(4) prove realistically wh at is stated 46. (3) Th at sm all sph er ical r egion
45.(4) 46.(3) 47.(3) 48.(3) withou t bein g personally involved. wh en becom es ver y den se an d
23. (3) Refer t h e l ast sen t en ces of gravitationally strong for ms a star,
49.(2) 50.(1) 51.(1) 52.(1) paragraph secon d an d th ird. 47. (3) Th e reason wh y th e gas is dis-
53.(3) 54.(3) 55.(2) 56.(4) 24. (1) Th e passage st art s wi th t h e tu rbed is n ot given in the passage.
wor th of scarce d iam on ds. So, 48. (3) Th e p assage d i scu sses t h e
57.(2) 58.(2) 59.(1) 60.(3) before th is wh at are th e scarce pervasive in flu en ce of colou rs. 2-
61.(3) 62.(2) diam on ds m u st h ave been dis- (2)
cu ssed. 49. (2) Th e word ‘era’in lin e 1 cou ld
25. (1) Cleavage gives th e style an d best be replaced by age.
EXPLANATIONS tran slu cen ce, th e colou r of a dia- 50. (1) Copperton e as colou r of refrig-
1. (1) Th rou gh th e respective pu r - mon d. erators is n ow goin g ou t of fash -
poses of a scien tist an d a literary 26. (3) Spu riou s is opposite to gen u - ion.
artist, th e passage differen tiates in e. 51. (1) Red is powerfu l,
th e lan gu ages of th e two. 27. (3) Th e au th or h as given graph ic 52. (1) blon d (hair colou r), honeydew,
2. (3) Refer “or jargon specially ....... details abou t th e diam on d. aqu a (drin k s), copperton e (m in -
meaning”. 28. (1) Th e variou s elem en ts th at go eral).
3. (2 ) Refer “l i t er at u r e i s ......... to bu ild u p patriotism h ave been 53. (3) L ack of l ead er sh i p i n t h e
fact s”. discu ssed. presen t organ izations an d impor -
4. (1) Precise i s exact in m ean in g 29. (4) ‘Open to attack ’m ean s it h as tan ce of leadersh ip in th e sh ift-
with ou t am bigu ity. som eth in g irration al th at can n ot in g con dition is the u n dercu rren t
be ju sti fi ed, ie, sacr ifice of t h e th at ru n s th e wh ole passage.
5. (3) Th ou gh wi th d i ffer en t p u r -
self, loss of in dividu ality. 54. (3) In view of th e “ever growin g
poses, lan gu ages of both litera-
t u r e an d sci en ce ai m for pu r e 30. (4) Th e au th or h as an alyzed vari- en t er p r i ses” we n eed ed “h u n -
expression s. ou s feelin gs clearly. dreds of m an agers”.
6. (3) Ex plicitly m ean s clear ly th e 31. (4) Wh at th e au th or refers by in - 55. (2) Th ese fu n ction s com e u n der
sam e as u n am bigu ou sly. tellectu al belief is n ot clear by th e th e pu rview of m an agers not lead-
passage. er s.
7. (2 ) An th ology is a collecti on of
32. (2) Th is belief is ‘in dividu als’an d 56. (4) Refer secon d last sen ten ce of
poem s.
n ot fact as r epr esen t ed b y th e th e secon d paragraph .
8. (3) Sh e started writin g poem s at
option, 57. (2) The m ain agen da was to ‘m an -
th e age of 11.
33. (2) Th e p assage t al k s m ai n l y age change’and for th is only man-
9. (3) h e was a poet
abou t cu riosity as th e m ost pow- agers were th ou gh t to be appro-
10. (4) by t h e tim e of h er d eat h in erfu l drivin g force. priate.
1894, she had written abou t 1100
34. (2) Th e au th or talk s abou t cu ri- 58. (2) Nu r t u r e i s t o l ook aft er t o
poem s, ou t of wh ich m ore th an osity (= spirit of enqu iry) “distin c-
900 h ad been pu blish ed by th en . gr ow.
tive ch aracteristics of h u m an be- 59. (1) Ref er “l ead er s h i p d ef i n es
11. (4) Refer “th ere is still........ po- ings”.
etr y”. ......” in th e first paragraph .
35. (4) B ecau se an x i et y an d con - 60. (3) Refer “su ccessfu l tran sform a-
12. (3) Refer last lin e of th e first para- scien ce are ‘blin d forces’. tion is ...... 10 to 30% m an age-
graph . 36. (2) Th e au th or calls ‘cu riosity’ a m en t” (first paragraph ).
13. (3) Refer first lin e of th e secon d ‘distin ctive featu re’. In option (4), 61. (3) Focu s of t h e m an agem en t
paragraph . th ere is ‘is’wh ile in th e passage it program m es was to create m an -
14. (1) Refer “an d to stim u late ... th at is ‘sh ou ld be’. ager s.
too” (secon d paragraph ). 37. (1) According to th e au thor “spiri- 62. (2) Lead er sh i p i s n ever on t h e
15. (4) Refer last line of the third para- tu al real it y of th e p h en om en a” m ain agen da. qqq
graph .

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 SYNONYMS & ANTONYMS (RELATIVE)

SYNONYMS & ANTONYMS

(RELATIVE)
8. (A) Refu se (B) Discou rage 15. RET I RE
NATIONALISED BANKS (C) Lu rk (D) Hide (1) Su perannu ate
& IBPS PO/MT/SO (1) A-C (2) C-D (2) Die (3) Exch an ge
(3) B-D (4) B-C (4) Tire (5) Exhau st
Di r ect i on s (1 -1 0 ) : In each of th e (5) A-D
followin g qu estion s fou r words are giv- 1 6. SUST AINED
9. (A) Deliriou s (B) Conflu en t (1) Prolon ged (2) Fixed
en of wh ich two words are m ost n ear -
ly th e sam e or opposite in m ean in g. (C) Cu rt (D) Graciou s
(3) Tolerable (4) Existed
Fin d th e t wo word s wh ich are m ost (1) A-B (2) B-C
(5) Desi red
n early th e sam e or opposi t e in m ean - (3) C-D (4) B-D
1 7 . ARRAY
in g an d i n di cat e th e n u m b er of t h e (5) A-D
correct letter com bin ation , by dark en - 10. (A) Pu nishment (B) Divergen ce (1) Chain (2) Sequ en ce
in g th e appropriate oval in you r an - (C) Con flu ence (D) Confiden ce (3) Attack (4) Confu sion
swersh eet . (1) B-C (2) B-D (5) Clarity
(Can ar a Bank PO Ex am . 09.02.2003) Di r ect i on s (1 8 –1 9 ) : Ch oose th e
(3) C-D (4) A-B
1. (A) Prolixity (B) Brevity (5) A-C word which is most OPPOSITE in mean-
(C) Agreemen t (D) Proposition 11. Ch oose th e word wh ich is SI M I - in g to th e word prin ted in bol d.
(1) A-B (2) B-C L A R i n m ean i n g as t h e w or d (Un i on Ban k of I n di a PO
(3) C-D (4) A-C ‘fr eeze’. Ex am . 27. 11.20 05)
(5) A-D (1) cold (2) h alt 1 8 . H OLDER
2. (A) Su ffu se (B) Deplete (3) decay (4) con trol (1) Own er (2) Bu yer
(C) Figh t (D) Delay (5) power (3) Cu stodian (4) Tenant
(1) B-C (2) C-D (Can ar a Ban k PO Ex am . 09.02.2003)
(5) Seller
(3) A-C (4) A-D 12. Ch oose th e word wh ich is SI M I -
LAR in m ean ing as th e word ‘sus- 1 9 . EX CESSI VE
(5) A-B
t ai n ed’. (1) Minimal (2) Reason able
3. (A) Forensic (B) Delectable
(1) con tin u ou s (2) frequ en t (3) Un bearable (4) Tolerable
(C) Leaflik e (D) Ch arming
(3) careless (4) deliberate (5) Recessive
(1) A-C (2) B-D
(5) sporadic Di r ect i on s (2 0 -2 2 9 ) : In each of
(3) A-D (4) B-C
(Can ar a Ban k PO Ex am . 09.02.2003) th e followin g qu estion s fou r words are
(5) A-B
13. Wh ich of th e followin g is m ost given of which two words are most near -
4. (A) Ben evolen t (B) Alarm ing n early th e SAM E in m ean in g as
(C) Charitable (D) Stu pendou s ly th e sam e or opposite in m ean in g.
th e world “r eck on ”.
Fin d th e t wo word s wh ich are m ost
(1) A-B (2) B-C (1) sh ow regard
n early th e sam e or opposite in m ean -
(3) C-D (4) A-C (2) tak e in to con sideration
in g an d i n di cat e th e n u m b er of t h e
(5) B-D (3) con fron t correct letter com bin ation , by dark en -
5. (A) Con venien t (B) In toleran t (4) agree with in g th e appropriate oval in you r an -
(C) Endu ran t (D) Protestan t (5) Non e of th ese swersh eet .
(1) A-B (2) A-C (Sy n di cat e Ban k PO (Un i on Ban k of I n di a PO
Ex am . 10. 10.20 04)
(3) B-C (4) B-D Ex am . 27. 11.20 05)
14. Wh ich of th e followin g is m ost
(5) C-D OPPOSITE in meaning of the word 20. (A) En deavou r (B) Travelable
6. (A) Eject (B) Spread “pr ofou n dl y ”. (C) Strive (D) Trau ma
(C) Mark (D) Spou t (1) m eagerly (2) hardly (1) A-B (2) A-C
(1) B-D (2) A-C (3) scarcely (4) m arginally (3) A-D (4) B-C
(3) B-C (4) A-B (5) em pty (5) B-D
(5) A-D (Sy n di cat e Ban k PO
21. (A) Dreadfu l (B) Pleasant
Ex am . 10. 10.20 04)
7. (A) Pu sh (B) Th rive (C) Resen tfu l (D) Enviou s
Di r ect i on s (1 5 –1 7 ) : Ch oose th e
(C) Flou rish (D) Arran ge word wh ich is m ost si m i l ar in m ean - (1) A-B (2) A-C
(1) A-C (2) A-D in g to th e word prin ted in bol d. (3) C-D (4) B-C
(3) C-D (4) B-C (Un i on Ban k of I n di a PO (5) B-D
(5) B-D Ex am . 27. 11.20 05)

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 SYNONYMS & ANTONYMS (RELATIVE)
22. (A) Produ ctive (B) Drowsy 32. plun ged n early th e sam e or opposite in m ean -
(C) Tran sparen t (D) Fru itfu l (1) fell (2) in creased in g. Fin d two words wh ich are m ost
(1) A-B (2) A-C (3) dropped (4) m ore n early th e sam e or opposi t e in m ean -
ing and indicate th e n u m ber of the cor -
(3) A-D (4) B-C (5) appeared
rect letter com bination as you r an swer.
(5) B-D Di rect i on s (33–3 8) : Wh ich of the
(Ban k Of M ah ar ash t r a PO
23. (A) Slack (B) Per fect followin g is m ost n early th e SAM E in
Ex am . 2 5 .0 5 . 2 00 8 )
(C) Tau t (D) Mannish m ean in g as th e word given in bol d.
41. (A) waive (B) specu late
(1) B-C (2) A-B (Cor por at i on Ban k PO
Ex am . 09 .0 7. 20 06 ) (C) pu rsu e (D) revise
(3) C-D (4) B-D
33. bu oy an t (1) A – B (2) C – B
(5) A-C
(1) drawin g (2) haphazard (3) D – C (4) C – A
24. (A) Consen t (B) Colliery
(3) u pbeat (4) extravagan t (5) D – B
(C) Conflict (D) Assen t
(5) sailing 42. (A) con trary (B) com patible
(1) A-C (2) A-B
34. spur red (C) in comparable
(3) A-D (4) B-D
(1) shorten ed (2) widen ed (D) ambigu ou s
(5) C-D
(3) thron ged (4) stimu lated (1) A – B (2) B – C
25. (A) Disprove (B) Discard
(5) escalated (3) C – D (4) A – C
(C) Su bstantiate (D) Abandon
35. sk ept i c (5) B – D
(1) B-C (2) A-C
(1) disbeliever (2) orthodox 43. (A) pliable (B) depen dable
(3) C-D (4) B-D
(3) theist (4) ph ilosoper (C) flexible (D) viable
(5) A-B
(5) an alyst (1) A – D (2) B – C
26. (A) En ergy (B) Minimize
Di r ect i on s (3 6 –3 8 ) : Ch oose th e (3) B – D (4) C – D
(C) En large (D) Bu rst
word wh ich is m ost n early th e SAME
(1) A-B (2) A-C (5) A – C
in m eaning to th e word printed in bol d.
(3) A-D (4) B-D 44. (A) contin gent
(Ban k Of M ah ar ash t r a PO
(5) B-C Ex am . 2 5 .0 5 . 2 00 8 ) (B) perm issive
27. (A) Au thorize (B) Abate 36. i n cum ben t (C) con firm ed
(C) Su bside (1) mandatory (2) presen t (D) en dorsed
(D) Condensing (3) incapable (4) lazy (1) B – A (2) C – A
(1) A-B (2) B-C (5) officiou s (3) C – B (4) B – D
(3) A-C (4) B-D 37. pl o y s (5) D – C
(5) A-D (1) su rveys (2) en treaties 45. (A) repeat
28. (A) Au spiciou s (B) Mortal (3) ru ses (4) sliders (B) reverberate
(C) Gen erou s (5) assu ran ces (C) retaliate
(D) Ben evolen t 38. aggri ev ed (D) reciprocate
(1) B-C (2) A-C (1) vin dicated (2) intimidated (1) B – D (2) C – D
(3) C-D (4) A-D (3) offen si ve (4) wron ged (3) A – C (4) A – B
(5) B-D (5) dispu ted (5) B – C
29. (A) Scarce (B) Sacrilegiou s Di r ect i on s (3 9 –4 0 ) : Ch oose th e Di r ect i on s (4 6 -4 8 ) : Ch oose th e
(C) Nostalgic (D) Copiou s wor d wh i ch i s m ost OPPOSI T E i n word wh ich is m ost n early th e SAM E
(1) A-C (2) B-D m ean in g to th e word prin ted in bold. in m eaning to th e word printed in bol d.
(3) B-C (4) A-B (Ban k Of M ah ar ash t r a PO
(In di an Overseas Bank PO
Ex am . 2 5 .0 5 . 2 00 8 )
(5) A-D Ex am . 15. 06.20 08)
39. pl et h ora
Di rect i on s (3 0–3 2) : Wh ich of the 46. m argi n al
following is m ost OPPOSIT E in m ean- (1) dearth (2) missing
(1) au stere (2) sever e
in g of th e word given in bol d. (3) su perflu ou s
(3) detrimental (4) ad ver se
(Corpor at i on Bank PO (4) su fficien t (5) least
(5) insignificant
Ex am . 09.07.2 006) 40. m eri t ed
30. br i sk l y 47. fau lt
(1) rank ed
(1) vigorou sly (2) efficiently (1) d efect (2) offen d
(2) u nqu alified for
(3) hu rriedly (4) in sign ificantly (3) lack ed (3) im perfect (4) blame
(5) slowly (4) in ept at (5) sin
31. boost ed (5) u n worth y of 48. di re
(1) aggravated (2) elevated Di r ect i on s (4 1 –4 5 ) : In each of (1) pessim istic (2) alarming
(3) deflated (4) dam aged the followin g qu estion s fou r words are (3) fu tile (4) frighten ed
(5) stopped given of wh ich two wor ds are m ost (5) frau du lent

I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
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Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
 SYNONYMS & ANTONYMS (RELATIVE)
Di r ect i on s (4 9 –5 0 ) : Ch oose th e Di r ect i on s (5 9 –6 1 ) : Ch oose th e 67. assu red
wor d wh i ch i s m ost OPPOSI T E i n word wh ich is OPPOSI T E in m ean in g (1) in su red (2) defin ite
m ean in g to th e word prin ted in bol d. to th e word given in bol d. (3) dou bted (4) con fiden t
(In di an Overseas Bank PO (Ban k Of Bar oda Speci al i st Of f i cer
(5) reliance
Ex am . 15 .06.20 08) Ex am . 0 5 .1 0 . 2 00 8 )
49. pot en t i al 68. r el i eved
59 . Cruci al
(1) u nlik ely (2) incapable (1) exempted (2) back ed
(1) Central (2) Trivial
(3) u nable (4) in effect ive (3) su pported (4) calm ed
(3) Deci sive (4) Fu ndamental
(5) inh eren t (5) su bstitu ted
(5) Im perative
50. i n i qu i t ous 60 . Pi v ot al 69. gap
(1) immoral (2) godly (1) Irrelevan t (1) hole (2) break
(3) virtu ou s (4) right (3) pau se (4) di ffer en ce
(2) Un man ageable
(5) ju st (5) in terru ption
(3) Irreparable
Di r ect i on s (5 1 –53 ) : Ch oose th e Di r ect i on s (7 0 –7 1 ) : Ch oose th e
(4) In au spiciou s
word wh ich is m ost si m i l ar in m ean - word wh ich is m ost opposi t e in mean -
in g to th e word prin ted in bol d. (5) Irritating
in g to th e word prin ted in bol d.
(An dh r a Ban k PO Ex am . 14.09.2008) 61 . Par i t y
(PNB Agr i cul t ur e Of f i cer
51. Depar t (1) Impropriety
Ex am . 0 4 .0 1 . 2 00 9 )
(1) absen t (2) retiremen t (2) Impartiality
70. t i m el y
(3) divide (4) expire (3) Inequ ality
(1) you ng (2) lately
(5) vary (4) Similarity
(3) overdu e (4) aged
52. Pi qued (5) Homogen eity
(5) slowly
(1) provok ed (2) irritated Di r ect i o n s (6 2 – 6 4 ) : Ch oose
71. eli m i n at i on
(3) distu rb (4) offen d ed th e word wh ich is M OST si m i l ar in
(5) fascin ated m ean in g to th e word prin ted in bol d. (1) au thority (2) for given ess
53. Verge (Or i en t al Ban k Of Com m er ce PO (3) attack (4) pretection
(1) ten d (2) crossroad Ex am . 2 1 .1 2 . 2 00 8 ) (5) provision
(3) ascen t (4) slope 62. Infrin gin g Di r ect i on s (7 2 –4 7 ) : Choose th e
(5) th resh old (1) break in g (2) violating word which is most OPPOSITE in mean-
Di r ect i on s (5 4 –5 5 ) : Ch oose th e (3) provok in g (4) ham pering in g to th e word prin ted in bol d.
word wh i ch is m ost OPPOSI T E i n (5) disobeying (Can ar a Ban k PO Ex am . 15.03.2009)
m ean in g to th e word prin ted in bol d. 63. Frequen cy 72. M ORIBUND
(An dh r a Ban k PO Ex am . 14.09.2008) (1) sou nd (2) habit (1) declining (2) wan ing
54 . Aspi ri n g (3) recu rren ce (3) th riving (4) pessim istic
(1) u nin terested (4) average (5) occasion (5) glorifying
(2) u n gratefu l (3) anxiou s 64. Pr e-em pt i ve 73. BEL EAGUERED
(4) m iserable (5) frau du lent (1) widespread (1) car efree (2) h arassed
55. Core
(2) seizing (3) restrain ed (3) stressfu l (4) u n even tfu l
(1) clear (2) u n n ecessary
(4) preven tive (5) commanding (5) evaporatin g
(3) cru st (4) beside
Di r ect i on s (6 5 –6 6 ) : Choose th e 74. RAUCOUS
(5) u ncoordinated
word which is most OPPOSITE in mean- (1) striden t (2) harsh
Di r ect i on s (5 6 –5 8 ) : Ch oose th e in g to th e word prin ted in bol d.
word wh ich is m ost n early th e SAM E (3) rou gh
(Or i en t al Ban k Of Com m er ce PO
in m ean in g to th e word given in bol d. Ex am . 2 1 .1 2 . 2 00 8 ) (4) u n preceden ted
(Ban k Of Bar oda Speci al i st Of f i cer (5) soft
65. Let h argi c
Ex am . 0 5 .1 0 . 2 00 8 ) Di r ect i on s (7 5 –7 7 ) : Choose th e
(1) healthy (2) active
56 . En dowm en t s word wh ich is m ost n early th e SAM E
(1) Powers (2) Measu res (3) favou rable (4) awak e
in m ean in g to th e word given in bol d.
(3) Habitats (4) Findin gs (5) intense
(Can ar a Ban k PO Ex am . 15.03.2009)
(5) Gifts 66. Di sm al
75. APOCALYPT IC
57 . Ori en t ed (1) depressin g(2) u pset
(1) u n welcom e (2) disastrou s
(1) Stated (2) Directed (3) com peten t (4) animated
(3) risk -fr ee (4) joyou s
(3) Decidin g (4) Leaning (5) smiling
(5) ceremoniou s
(5) Su re Di r ect i on s (6 7 –6 9 ) : Ch oose th e
word wh ich is m ost si m i l ar in m ean - 76. RESUSCIT AT E
58 . Con ven t i on al
(1) Fu nctional (2) Activist in g to th e word prin ted in Bol d. (1) m elt down (2) devastate
(3) Deliberate (4) Adventu rou s (PNB Agr i cul t ur e Of f i cer (3) mislead (4) save
Ex am . 0 4 .0 1 . 2 00 9 ) (5) deactivate
(5) Traditional

I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
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 SYNONYMS & ANTONYMS (RELATIVE)
77. FRENZY 84. WOES 93. WEAK EN
(1) passion (2) expression (1) oath s (1) Powerfu l (2) Nou rish
(3) su ccession (4) habit (2) flam bu oyancies (3) In ten se (4) Boost
(5) man ifestation (3) m iseries (5) En ergise
Di r ect i on s (7 8 –8 2 ) : In each of (4) sh am bles Di r ect i on s (9 4 –9 6 ) :Ch oose th e
th ese qu estion s fou r words are given (5) feasibilities word wh ich is m ost si m i l ar in m ean -
den oted by (A), (B), (C) an d (D). Two of 85. DECEL ERAT E in g to th e word prin ted in bol d.
th ese words m ay be eith er syn on ym s (Un i t ed Bank Of I n di a PO
(1) u p-beat (2) re-inven t
or an ton yms. Fin d ou t th e correct pair Ex am . 21. 06. 200 9)
(3) escalate (4) slow-down
in each qu estion . 94. CAT ERI NG
(5) de-activate (1) Considerin g
(Can ar a Ban k PO Ex am . 15.03.2009)
Di r ect i on s (8 6 –88 ) : Ch oose th e (2) Len din g (3) Su pplying
78. (A) ECSTASY
word/ grou p of wor ds wh ich is m ost
(B) DEPRESSION (4) Work in g (5) Indu lging
OPPOSITE in meaning to the word given
(C) INTOXICATION 95. K EY
in bol d.
(D) COMPRESSION (1) Fou ndation (2) Solu tion
(UCO Ban k PO Ex am . 22.03.2009)
(1) A — B (2) B — D (3) Requ isite (4) Difficu lt
86. UNVEIL
(5) Im portan t
(3) B — C (4) C — D (1) con ceal (2) display
96. AGGRESSI VE
(5) Non e of th ese (3) explore (4) deplore (1) Violen t (2) Determ in ed
79. (A) TRANQUILITY (5) reveal (3) Dem andin g (4) Offen sive
(B) LOYALTY 87. DI RE (5) Bru tish
(C) CALAMITY (1) terrible (2) won derfu l Di r ect i on s (9 7– 9 9 ) : Choose th e
(D) UPROAR (3) u npleasan t (4) h ealth y word/ ph rase wh ich is m ost opposi t e
(1) A — C (2) B — D (5) inextingu ishable in m eaning to th e word printed in bol d.
(3) B — C (4) C — D 88. MOM ENTOUS (Un i t ed Bank Of I n di a PO
(5) Non e of th ese Ex am . 21. 06. 200 9)
(1) earth -shatterin g
80. (A) VILIFICATION 97. PROSPEROUS
(2) sign ifican t
(B) NULLIFICATION (1) Distressed (2) Helpless
(3) u n synchron izable
(C) DENIGRATION (3) Worse (4) Worth less
(4) in evitable
(5) Un derprivileged
(D) FALSIFICATION (5) trivial
98. CONSUMING
(1) A — B (2) B — C Di rect i on s (89 –9 1) : Choose th e (1) Destroyin g (2) Exhau sting
(3) A — C (4) B — D word which is m ost si m i l ar in m ean -
(3) Greedy (4) Cu rtailing
(5) Non e of th ese in g to th e word prin ted in bol d.
(5) Spen din g
81. (A) OPAQUE (Indi an Overseas Bank PO
Ex am . 05. 04. 200 9)
99. SURGE
(B) TRANSPARENT
89. FUELLI NG (1) Decrease (2) Deterioratin g
(C) TRANSVERSE (3) Weak en in g (4) Atroph y
(D) TRANSVESTITE (1) In cen tive (2) Su pplying
(5) Cru m ble
(1) A — D (2) B — D (3) Stimulating (4) Irritating
Di r ect i on s (1 0 0 –1 0 4 ) : In each
(3) C — A (4) B — A (5) Restorin g
of th e followin g qu estion s fou r words
(5) Non e of th ese 90. DENT are given of wh ich two words are m ost
82. (A) EXORBITANT (1) Redu ction (2) Break n early th e sam e or opposite in m ean -
(3) Tear (4) Breach ing. Find the two words which are m ost
(B) EXPEDITIOUS
(5) Split n early th e sam e or opposite in m ean -
(C) QUICK ing and indicate th e n u m ber of the cor -
(D) QUEST 91. INCULCATE
rect letter com bin ation as an swer.
(1) C — D (2) A — B (1) Modify (2) Constru ct (Un i t ed Bank Of I n di a PO
(3) A — D (4) C — B (3) In itiate (4) Fix Ex am . 21. 06. 200 9)
(5) Non e of th ese (5) Instill 100. (A) u nite (B) association
Di r ect i on s (8 3 –8 5 ) : Choose th e Di rect i on s (92 –9 3) : Choose th e (C) separate (D) distan t
word wh ich is m ost n early th e SAM E word which is m ost opposi t e in mean- (1) A–C (2) A–B
in m ean in g as th e word given in bol d. in g to th e word prin ted in bol d. (3) B –C (4) B–D
(UCO Ban k PO Ex am . 22.03.2009)
(Indi an Overseas Bank PO (5) A–D
Ex am . 05. 04. 200 9) 101. (A) explicit (B) cau tiou s
83. BLI STERING
92. CONVERSELY (C) in trovert (D) clear
(1) comfortable (2) existin g
(1) Compatibly(2) Similarly (1) A–B (2) B –D
(3) worryin g (4) bafflin g
(3) Lik ely (4) Aligning (3) A– C (4) A–D
(5) scorch in g
(5) Resem blin g (5) C – D
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
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 SYNONYMS & ANTONYMS (RELATIVE)
102. (A) fearfu l (B) beau tifu l 111. PACE 121. PROM OT I NG
(C) h ostile (D) amicable (1) walk (2) len gth (1) Dem otin g (2) Delayin g
(1) B – D (2) C –D (3) rate (4) tread (3) Postpon in g(4) Broaden in g
(3) A– B (4) B –C (5) variety (5) Ham perin g
(5) A –D 112. CONVICT ION 122. NOT EWORT H Y
103. (A) frau d (B) barbarou s (1) sen se (2) cu ltu re (1) Un n oticed (2) Insign ifican t
(C) gu ilty (D) civilized (3) belief (4) valu e (3) In defin ite (4) Rem ark able
(1) A–C (2) A–B (5) worry (5) Ob solete
(3) B–D (4) A–D 113. DRI VE 123. T RANSPARENT
(5) C–D (1) coax (2) sh ow (1) Repu t ed (2) Opaqu e
104. (A) lou d (B) prom in en t (3) dish earten (3) D efecti ve (4) Corru pt
(C) salien t (D) legible (4) ride (5) im plem en t (5) Th ick
(1) A–C (2) B–D 114. I NNOVAT ING Di r ect i on s (1 2 4 –1 2 6 ) : Ch oose
(3) C–D (4) A–D (1) research in g (2) im provisin g th e word wh ich is m o st si m i l ar i n
(5) B–C (3) sellin g (4) m easu rin g m ean in g to th e word prin ted in bol d.
Di r ect i on s (1 0 5 –1 0 7 ) : Ch oose (5) deletin g (I n di an Ban k Rur al M ar k et i n g Of f i cer
th e word wh ich is M OST si m i l ar in Di r ect i on s (1 1 5 -1 1 7 ) : Ch oose Ex am . 22. 11.20 09)
m ean in g to th e word prin ted in bol d. t h e wor d / gr ou p of wor d s wh i ch i s 114. I DEALS
(An dh r a Bank PO Exam . 05.07.2009) m ost opposi t e in meaning to the word/ (1) m odels (2) vision s
105. SHREWDLY grou p of words prin ted in bol d. (3) perfection (4) paradigm s
(1) Roughly (2) Righ tly (PNB Speci al i st Of f i cer 's (5) valu es
(3) Ru dely (4) Cou rteou sly Exam . 1 6. 0 8. 2 0 09 )
125. EM BRACED
(5) Astu tely 115. AT T RACT I VE
(1) clin ch ed (2) adopted
106. CHASE (1) dark (2) u gly
(3) seized (4) h u gged
(1) Follow (2) Captu re (3) slim (4) in sign ifican t
(5) en com passed
(3) Ru n (4) Catch (5) strik in g
126. AT T RACT S
(5) Conqu er 116. RISE
(1) appeals (2) en cou rages
107. ELUSI VE (1) fin ish . (2) im prove
(3) captives (4) fascin ates
(1) Terrifyin g (2) Unu su al (3) redu ction (4) h eigh ten
(5) pleases
(3) Unachievable (5) stop
Di r ect i on s (1 2 7 –1 2 8 ) : Ch oose
(4) Hau nting (5) Displeasin g 117. T OUGH
th e word/ ph rase wh ich is m ost op-
Di r ect i on s (1 0 8 –1 1 0 ) : Ch oose (1) soft (2) delicate posi t e in m ean in g to th e word prin ted
th e word wh ich is m ost OPPOSI T E in (3) u n com fortable in bol d.
m ean in g to th e word prin ted in bol d. (4) difficu lt (5) simple (I n di an Ban k Rur al M ar k et i n g Of f i cer
(An dh r a Bank PO Exam . 05.07.2009) Di r ect i on s (1 1 8 –1 2 0 ) : Ch oose Ex am . 22. 11.20 09)
108. DEJ ECT ED th e word wh ich is M OST si m i l ar i n 127. ENLI GH T ENED
(1) Apologetic (2) Anxiou s m ean i n g to th e wor d p rin ted in bol d. (1) illiterate (2) in ept
(3) Accepted (4) Elated (Cor por at i on Ban k PO
(3) ign oran t (4) illogical
(5) En lighten ed Exam . 2 2. 1 1. 2 0 09 )
(5) im matu re
109. UNBRI DLED 118. DEVI OUS
128. H EEDLESS
(1) En thu siastic (1) Dish on est (2) D iffer en t
(1) pru den t (2) obedien t
(2) Con trolled (3) Sever e (4) Variou s
(5) Trivial (3) observable (4) noticeable
(3) Rebelliou s
119. M EASURES (5) wary
(4) Con siderate
(1) Amount (2) Qu antity Di r ect i on s (1 2 9 –1 3 1 ) : Ch oose
(5) Approved
th e word or grou p of words wh ich is
110. M OM ENT ARY (3) Steps (4) Capacity
MOST SI MILAR in meaning to the word
(1) Sporadic (5) Length prin ted in bol d.
(2) Fu tu ristic 120. BRI DGE
(I n di an Ban k PO Ex am . 17.10.2010)
(3) Brief (1) Con n ect (2) Eliminate
129. Evaporat ed
(4) Homogeneou s (3) Unite (4) Link
(1) deh ydrated
(5) Perpetu al (5) Fu se
(2) m elted (3) vaporised
Di r ect i on s (1 1 1 -1 1 4 ) : Ch oose Di rect i on s (1 2 1 – 2 1 3) : Choose
(4) van ished (5) dodged
th e word I grou p of words wh ich is th e word / ph rase wh ich is m o st o p-
m ost si m i l ar in m ean in g to th e word I po si t e i n m ean i n g to th e word p rin t- 130. Fuel
grou p of words prin ted in bol d. ed in bol d. (1) petrol (2) stimu late
(PNB Speci al i st Of f i cer 's (Cor por at i on Ban k PO (3) su stain (4) heat
Exam . 1 6. 0 8. 2 0 09 ) Exam . 2 2. 1 1. 2 0 09 ) (5) ch arge
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-380-
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 SYNONYMS & ANTONYMS (RELATIVE)
131. Fl ooded 138. SURVEI LLANCE 148. EXPLOSION
(1) su rged (2) satu rated (1) spyin g (2 ) cam er as (1) Deflation (2) Split
(3) overflowed (3 ) secu ri ty (4) observation (3) Redu ction
(4) delu ge (5) overcom e (5) alertn ess (4) Simplification (5) Alteration
Di r ect i on s (1 3 2 –1 3 3 ) : Ch oose 139. PREREQUI SI T E 149. ABSURD
th e word or grou p wh ich is M OST OP- (1) resu lt (2) association (1) Expen sive (2) Diplom atic
POSI T E in m ean in g to th e word prin t- (3 ) n ecessi ty (4 ) fact or (3) Con sisten t (4) In variable
ed in bol d. (5 ) m ystery
(5) Reason able
(I n di an Ban k PO Ex am . 17.10.2010) 140. PROSPECT S
150. COMPREH ENSI VE
132. Sharp (1) assimilation
(1) In significant (2) Massive
(1) blu nt (2) in com plete (2) d em an d (3) fu t u re
(3) naive (4) indistinct (3) Incom plete (4) Abu ndant
(4) broch u re (5) diagn osis
(5) gradu al (5) Inappropriate
141. COM M ENSURAT E
133. Bu oy ed Di r ect i on s (1 5 1 –1 5 4 ) : Ch oose
(1) m atch (2) extractin g
th e word wh ich is m o st si m i l ar i n
(1) h eavy (2) stifled (3) con tem platin g
m ean in g to th e word prin ted in bol d.
(3) nu m bed (4) du ll (4 ) requ est (5) employin g
(Ban k Of Bar oda PO Exam . 30.05.2010)
(5) abated Di r ec t i on s (1 4 2 -1 4 4 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s 151. RECI PROCAL
134. Wh ich of th e followin g is m o st
si m i l ar i n m ean in g to th e word m o st o p p o si t e i n m ean i n g t o t h e (1) interactive (2) u nrespon sive
“EL UDED”. word/ grou p of word s p rin ted in bol d. (3) r ever se (4) regu lar
(1) Avoided (2 ) D u p ed (Corpor at i on Bank PO Ex am . 09.05.2010) (5) in verse
(3) Aban don ed (4) In tan gible 142. LI MI T ED 152. PARADIGM
(5 ) Betrayed (1) abu n dan t (2) com plete (1) ch an ge (2) sh ift
(Al l ah abad Ban k PO (3) fl owin g (4) in adequ ate (3) fu tu re (4) m odel
Ex am . 2 1 .0 2 . 2 01 0 ) (5) en com passin g (5) diagnosis
135. Wh ich of th e followin g is m o st 143. DIFFERENT IAL
153. AUTONOMOUS
opposi t e in m ean in g to th e word (1) solitu de (2) h om ogen eou s
(1) single (2) in dependen t
“COLOSSAL”. (3) synon ymou s
(3) govern ed (4) forcefu l
(1) Sh ort (2 ) Lavi sh (4) u n iqu e (5 ) d ifferen t
(5) in su fficien t
(3) Min ority (4) Fru gal 144. VI GOROUSLY
154. DELEGAT ED
{5) In sign ifi can t (1) sim ply (2) regu larly
(Al l ah abad Ban k PO (3) rou gh ly (4 ) soft ly (1) taxed (2) dem oted
Ex am . 2 1 .0 2 . 2 01 0 ) (5) len ien tly (3) in pu t (4) au th orized
136. Wh ich of th e followin g is m o st Di r ect i on s (1 4 5 – 1 4 7 ) : Ch oose (5) assign ed
opposi t e in m ean in g to th e word t h e wor d / gr ou p of wor d s wh i ch i s Di r ect i on s (1 5 5 –1 5 7 ) : Ch oose
“CRI TI CAL”. m ost si m i l ar in m ean in g to th e word/ th e word wh ich is m ost opposi t e in
(1) Un im portan t ph rase prin ted in bol d. m ean in g to th e word prin ted in bol d.
(2) Com plim en tary (Pun j ab & Si n d Ban k PO (Ban k Of Bar oda PO Ex am . 30.05.2010)
Ex am . 16. 05.20 10)
(3) Approval 155. INEQUI TABLE
145. TH RI FT
(4) Sale (1) abu n dant (2) com plete
(1) Compassion (2) Pru den ce
(5) Steady (3) u nequ al (4) fair
(3) Pleasu re (4) Acceptan ce
(Al l ah abad Ban k PO (5) su fficien t
Ex am . 2 1 .0 2 . 2 01 0 ) (5) Fru gality
156. LANGUI SH
137. Wh ich of th e followin g is m o st 146. ST RI K E I T
(1) Sm ash (2) Reveal (1) ripen (2) hasten
si m i l ar i n m ean in g to th e word
“FRESH”. (3) Register (4) Assu m e (3) flou rish (4) weak en
(1) Addition al (5) Becom e (5) clim b
(2 ) Ren ewed (3) Origin al 147. AGGRESSI ON 157. ARBI T RARY
(4) Health y (5) Mod ern (1) Violen ce (2) Hostility (1) objective (2) deliberate
(Al l ah abad Ban k PO (3) Offen sively (3) ran dom (4) tran sparen t
Ex am . 2 1 .0 2 . 2 01 0 ) (4) Determ in ation (5) Belligerence (5) lawfu l
Di r ec t i on s (1 3 8 -1 4 1 ) : Ch oose Di r ect i on s (1 4 8 – 1 5 0 ) : Ch oose Di r ect i on s (15 8 – 1 61 ) : Choose
t h e wor d / gr ou p of wor d s wh i ch i s th e word/ ph rase wh ich is m ost op- t h e wor d / gr ou p of wor d s wh i ch i s
m ost si m i lar in mean in g to th e word/ posi t e in m ean in g to th e word prin ted m ost si m i l ar in m ean in g to th e word
gr ou p of wor ds pri n ted in bol d. in bol d. / grou p of words prin ted in bol d.
(Cor por at i on Ban k PO (Pun j ab & Si n d Ban k PO (Cen t ral Bank Of I ndi a PO
Ex am . 0 9 .0 5 . 2 01 0 ) Ex am . 16. 05.20 10) Ex am . 25 .0 7. 20 10 )

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 SYNONYMS & ANTONYMS (RELATIVE)
158. CAPACITY 168. J un k Di r ect i on s (1 7 8 -1 8 1 ) : Ch oose
(1) qu alification (1) old (2) stock th e word wh ich is m ost n ear l y t h e
(2) capability (3) voltage (3) revi se (4) criticize sam e in m ean in g of th e word/ grou p
(4) qu antity (5) volu m e (5) discard of words prin ted in bol d.
159. ALLUDI NG (PNB Managem ent Tr ai n ee
169. Sh owi n g
Ex am . 28. 11.20 10)
(1) referri n g (2) break in g (1) perform an ce (2) sh ow-off
178. Cen t red on
(3) escapin g (4) im posing (3) govern an ce (4) facts
(5) clin ging (1) gets boost
(5) data
160. SPECULAT E (2) revolves arou n d
170. Spur
(1) visit (2) contemplate (3) in spired from
(1) stimu late (2) gau ge
(3) rem ark (4) argu e (4) th rives on
(3) sen d (4) tak e
(5) regu late (5) gets away with
(5) transm it
161. QUINTESSENTI AL 179. Mi t i gat e
Di r ect i on s (1 7 1 -1 7 4 ) : Ch oose
(1) typical (2) differen t t h e wor d / gr ou p of wor d s wh i ch i s (1) migrate (2) tak e off
(3) n ecessary (4) u niqu e m ost si m i l ar in m ean in g to th e word/ (3) out (4) m iss ou t
(5) excellen t grou p of words prin ted in bol d. (5) redu ce
Di r ect i on s (1 6 2 –1 6 4 ) : Ch oose (Un i t ed Ban k Of I n di a PO 180. All ur e
t h e wor d / gr ou p of wor d s wh i ch i s Exam . 14.11. 2010) (1) obligation (2) deman d
m ost opposi t e in meaning to the word/ 171. FORGE (3) attraction (4) deceit
grou p of words prin ted in bol d. (1) create (2) cou n terfeit (5) inclu sion
(Cen t ral Bank Of I ndi a PO
(3) fak e (4) falsify 181. En su i n g from
Ex am . 25 .0 7. 20 10 )
(5) copy (1) em ergin g from
162. BRI GH T
172. DECIM AT E (2) en su rin g from
(1) soft (2) dark
(1) destroy (2) divide (3) dealt with
(3) du ll (4) vivid
(3) au gm en t (4) vacate (4) h avin g im pact on
(5) dim
(5) equ alize (5) leadin g to
163. ELUSI VE
(1) defin ite (2) h appy 173. FASH IONED AS Di r ect i on s (1 8 2 -1 8 3 ) : Ch oose
(3) m ysteriou s (4) worth wh ile (1) derived in to (2) m ark eted as th e word wh ich is m ost opposi t e in
(5) rem ark able (3) stylized as (4) m ade in to m ean in g of th e word prin ted in bol d.
164. FRESH (5) attracted to (PNB Managem ent Tr ai n ee
174. FUEL Ex am . 28 .11 .20 10
(1) u sed (2) stale
(1) fire (2) in crease 182. Em ergi n g
(3) tired (4) experien ced
(3) ligh t (4) en ergy (1) satisfied (2) profitin g
(5) aged
Di r ect i on s (1 6 5 –1 6 6 ) : Ch oose (5) petroleu m (3) m odern (4) satu rated
th e word or grou p of words wh ich is Di r ect i on s (1 7 5 -1 7 7 ) : Ch oose (5) du ll )
m ost opposi t e in m ean in g of the word t h e wor d / gr ou p of wor d s wh i ch i s 183. Rever se
prin ted in bol d. m ost opposi t e in meaning to the word/ (1) rem ove (2) destroy
(Sy n di cat e Ban k PO Ex am . 29.08.2010) grou p of words prin ted in bold. (3) motivate (4) su ppose
165. Di sm al (Un i t ed Ban k Of I n di a PO
(5) establish
(1) in terestin g (2) distinct Exam . 14.11. 2010)
Di r ect i on s ( 1 84 – 1 87 ) : Ch oose
(3) con stan t (4) positive 175. MASSIVE
t h e wor d / gr ou p of wor d s wh i ch i s
(5) deep (1) m eagre (2) tin y m ost si m i l ar in m ean in g to th e word/
166. Decelerat ed (3) dim (4) in adequ ate grou p of words prin ted in bol d.
(1) decimated (2) an ticipated (5) gigan tic (Ban k Of M ah ar ash t r a
(3) accelerated (4) apparen t 176. CEASED Ex am .1 9 .1 2 .2 0 10 )
(5) natu ral (1) released (2) em bark ed 184. FLAGGED
Di r ect i on s (1 6 7 –1 7 0 ) : Ch oose (3) started (4) en ded (1) high ligh ted (2) stopped
th e word or grou p of words wh ich is (5) m easu red (3) ban n ered (4) cau sed
m ost n ear l y t h e sam e in m ean in g as 177. I NEVI TABLY (5) h oisted
th e word prin ted in bol d.
(1) u n expectedly 185. FALLI NG SH ORT
(Sy n di cat e Ban k PO Exam . 29.08.2010)
(2) silen tly (1) rem ainin g tin y (2) limiting
167. Mark ers
(3) u navoidably (3) stu m bling u pon
(1) scorers (2) in dicators
(4) forcefu lly (4) ju st satisfyin g
(3) services (4) grades
(5) inescapably (5) n ot m eetin g
(5) sign s
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 SYNONYMS & ANTONYMS (RELATIVE)
186. PERM I TT ED 196. PAUPERI SES 206. OPPOSED
(1) forbidden (2) pressed (1 ) Wi n s (2) Str u ggles (1) resistan t (2) against
(3) allowed (4) sen t (3 ) Pr evai ls (4 ) Ad van ces (3) favou rin g (4) similar
(5) forced (5 ) Pr ospers (5) agree
187. SH OCK I NG Di r ec t i on s (1 9 7 –2 0 0 ) : Ch oose 207. DIM INISHED
(1) wick ed (2) pleasin g t h e wor d / gr ou p of wor d s wh i ch i s (1) created (2) rose
(3) appalling (4) electrifyin g m o st n ear l y t h e sam e in m ean i n g to (3) in creased (4) lessen
(5) scan dalou s th e word/ grou p of word s p rin t ed in
(5) fin ished
Di r ect i on s (1 8 8 –1 9 0 ) : Ch oose bol d .
Di r ec t i on s (2 0 8 –2 1 0 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s (Un i on Ban k Of I n di a PO
Ex am . 09. 01.20 01)
t h e wor d / gr ou p of wor d s wh i ch i s
m ost opposi t e in meaning to the word/ m o st n ear l y t h e sam e in m ean i n g to
grou p of words prin ted in bol d. 197. CONT ROLLI NG
th e word/ grou p of word s p rin t ed in
(Ban k Of M ah ar ash t r a (1) h oldin g in ch eck bo l d .
Ex am . 1 9 .1 2 . 2 01 0 ) (2) increasin g (3) decreasin g (Pun j ab & Si n d Ban k PO
188. UNSCRUPULOUS (4) passin g (5) ignoring Ex am . 23. 01.20 11)
(1) corru pt (2) even 198. PARADOX 208. OBLI GAT ION
(3) con stan t (4) hon est (1) similarity (2) position (1) lip sym path y
(5) m easu red (3) anomaly (4) di ffer en ce (2) tru e em path y
189. SH ARP (5) excu se (3) self pity
(1) mild (2) th in
199. ACUT E (4) conditional respon sibility
(3) blu nt (4) rou nded
(1) accu rate (2) sever e (5) moral bin ding
(5) pointed
(3) du ll (4) focu sed 209. SQUANDER
190. COM PLIANT
(5) refi n ed (1) u se econ om ically
(1) fixed (2) u nyielding
200. GREEN (2) spen d wastefu lly
(3) stagn an t (4) obedien t
(1) colou r (2) dried (3) siphon ju diciou sly
(5) n egative
(3) old (4) live (4) donate gen erou sly
Di r ec t i on s (1 9 1 –1 9 3 ) : Ch oose
t h e wor d / gr ou p of wor d s wh i ch i s (5) big (5) don ate with u lterior m otive
m o st si m i l ar in m ean i n g to th e word Di rect i on s (20 1 – 2 0 4 ) : Ch oose 210. M ODEST
pr in ted in bol d. th e word wh ich is m o st si m i l ar i n (1) hu mble (2) su fficien t
(Or i en t al Ban k Of Com m er ce PO m ean i n g to th e wor d p rin ted in bol d.
(3) m eagre (4) sob er
Ex am . 26.12.2010 (I st Si t t i n g) (Cor por at i on Ban k PO
Ex am . 16 .01.20 11) (5) u n preten tiou s
191. EX ODUS
201. DRAM ATI C Di r ect i on s (2 1 1 –2 1 3 ) : Ch oose
(1 ) Loss (2) Exit
t h e wor d / gr ou p of wor d s wh i ch i s
(3) Apath y (4) Deprivation (1) u n preceden ted
m ost OPPOSI T E in m ean in g of t h e
(5) Un employmen t (2) thrilling (3) spectacu lar
word given in bol d.
192. BRI NGS OUT (4) effective (5) feeble (Pun j ab & Si n d Ban k PO
(1) Exi ts (2) En cou rages 202. SH RI NK Ex am . 23. 01.20 11)
(3) Dism isses (4) Criticises (1) con tract (2) ph ysician 211. MYTH
(5 ) Reveals (3) with er (4) sh rivel (1) reality
193. DRI VE (5) redu ce (2) m ystery
(1 ) Tr an sfer (2 ) Move 203. PREDOM I NANTLY (3) m isery
(3) Com pel (4 ) For ce (1) clearly (2) aggressively (4) misconception
(5) Stim u late (3) m ain ly (4) firstly (5) exaggeration
Di r ec t i on s (1 9 4 –1 9 6 ) : Ch oose (5) fain tly 212. EXT ENSI VE
th e word / ph rase wh ich is m o st o p- 204. MASSIVE
po si t e in m ean i n g to t h e wor d p rin t- (1) inten sive (2) abominable
(1) tall (2) tou gh (3) inh eren t (4) rampant
ed in bol d.
(Or i en t al Ban k Of Com m er ce PO (3) total (4) little (5) negligible
Ex am . 26.12.2010 (I st Si t t i n g) (5) severe 213. PROLONGED
194. M ULT I PLY Di r ect i on s (2 0 5 –2 0 7 ) : Ch oose (1) immediate (2) sh orten ed
(1 ) Redu ce (2 ) D ivi de th e word wh ich is m o st o ppo si t e in
(3) brevity (4) sh ort-lived
(3) Step-down (4 ) Con ver ge m ean i n g to th e wor d p rin ted in bol d.
(5) n arrow
(Cor por at i on Ban k PO
(5 ) Add Di rect i on s (2 1 4 –2 1 7 ) : Choose
Ex am . 16 .01.20 11)
195. FAI LED t h e wor d / gr ou p of wor d s wh i ch i s
205. SIGNIFICANT
(1 ) Passed (2) Prom in en t m ost si m i l ar in m ean ing to th e word/
(1) su bstantial (2) miniscu le
(3) Su ccessfu l (4) Privil eged grou p of words prin ted in bol d.
(3) incoh eren t (4) u nimportant
(5) Fortu n ate (Ban k Of Bar oda PO Ex am .13.03.2011)
(5) irrelevan t
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 SYNONYMS & ANTONYMS (RELATIVE)
214. COSM ETIC 224. Con sum ed 233. BURGEONI NG
(1) enh an cive (2) beau ty (1) eaten (2) u sed (1) minimizing (2) growin g
(3) au gmen tative (3) cleared-u p (4) pu t-away (3) escalating (4) dwin dlin g
(4) su perficial (5) aesth etic (5) devou red (5) easin g
215. ST AGGERI NG Di r ect i on s (2 2 5 -2 2 7 ) : Ch oose 234. M EDI OCRE
(1) weavin g (2) astou nding t h e wor d / gr ou p of wor d s wh i ch i s (1) su perlative (2) middle
(3) lu rching (4) stu mbling m o st o p p o si t e i n m ean i n g t o t h e (3) average (4) pleasan t
(5) u n steady word/ grou p of words prin ted in bol d. (5) ordin ary
(Al l ah abad Ban k PO Ex am . 17.04.2011) Di r ect i on s (2 3 5 -2 3 9 ) : Below is
216. CONSCIOUS
(1) u nk nown (2) mindfu l 225. Ex h au st ed given a sin gle word with option s to its
(3) self - aware (4) awak e (1) started (2) revitalize meaning in different contexts. You have
(3) fresh (4) replen ish ed to select all th ose option s wh ich are
(5) alert
(5) tired syn on ym s of th e word wh en th e con -
217. DRAM ATI C text is ch an ged. Select th e correct al-
(1) rem ark able (2) moving 226. Ar t i fi ci al
tern ative from (1), (2), (3), (4)an d (5)
(3) th eatrical (4) histrionic (1) genu in e (2) simu lated wh ich represen ts all th ose syn on ym s.
(5) staged (3) u nadu lterated (I BPS Ban k PO/ M T CWE
Di rect i on s (2 1 8 –2 2 0 ) : Choose (4) false (5) valid Ex am . 18. 09.20 11)
t h e wor d / gr ou p of wor d s wh i ch i s 227. Di st r i but ed 235. LABOUR
M OST OPPOSI T E, in m ean in g to th e (1) assem bled (2) dispersed (A) expedite
word/ grou p of words prin ted in BOLD. (B) to m ove faster
(3) disban ded (4) gets-togeth er
(Ban k Of Bar oda PO Ex am .13.03.2011) (C) controlled
(5) con cen trated
218. INTENSE (D) toil
Di r ect i on s (2 2 8 -2 3 1 ) : Ch oose
(1) smooth (2) seriou s t h e wor d / gr ou p of wor d s wh i ch i s (1) Only (D)
(3) low (4) dilu ted m ost si m i l ar in m ean ing to th e word/ (2) Both (A) and (C)
(5) jovial grou p of words prin ted in bol d. (3) On ly (B), (C) an d (D)
219. TACT ICAL (I n di an Ov er seas Ban k PO (4) On ly (A), (C) an d (D)
(1) u nplann ed Ex am . 22. 05.20 11) (5) All (A), (B), (C) an d (D)
(2) u niform 228. J UDICIOUS 236. MEAN
(3) deviou s (1) hard-work ing (A) imply
(4) prem editated (2) legal (3) thou ghtfu l (B) u n derstan d
(5) deform ed (4) difficu lt (5) sh rewd (C) average
220. I NEVI TABLE 229. CONT ENT (D) ch aracterized by m alice
(1) certain (1) u nhappy (2) matter (1) On ly (C)
(2) u n foreseeable (3) enclosu re (4) satisfied (2) Both (A) an d (D)
(3) u navoidable (5) su bstan ce (3) On ly (A), (C) an d (D)
(4) inescapable 230. GRANT (4) On ly (A), (B) an d (D)
(5) predictable (1) agreemen t (2) fu nding (5) All (A), (B), (C) an d (D)
Di r ect i on s (2 2 1 -2 2 4 ) : Ch oose (3) allow (4) let 237. REGUL AR
t h e wor d / gr ou p of wor d s wh i ch i s (5) con sen t (A) presen t
m ost si m i l ar in m ean ing to th e word/ 231. INCENTI VE (B) comm on
grou p of words prin ted in bol d. (1) prom pt (C) in discriminate
(Al l ah abad Ban k PO Ex am . 17.04.2011) (D) u n iform
(2) discou ragem en t
221. Li m i t ed (3) cash (1) Only (D)
(1) stopped (2) fin ite (4) m argin (2) Both (B) an d (D)
(3) in com plete (4) partial (3) Both (A) and (C)
(5) motivator
(5) n arrow (4) On ly (B), (C) an d (D)
Di r ect i on s (2 3 2 -2 3 4 ) : Ch oose
222. Pai n ful t h e wor d / gr ou p of wor d s wh i ch i s (5) All (A), (B), (C) an d (D)
(1) severe (2) th robbin g m o st o p p o si t e i n m ean i n g t o t h e 238. MASK
(3) ten der (4) excru ciatin g word/ grou p of words prin ted in bol d. (A) cover (B) h ide
(5) raw (I n di an Ov er seas Ban k PO (C) con ceal (B) disgu ise
223. Con cern s Ex am . 22. 05.20 11) (1) On ly (A)
(1) relation s (2) distracters 232. FI ERCE (2) Both (B) an d (D)
(3) appreh en sion s (1) stron g (2) weak (3) On ly (B), (C) an d (D)
(4) organizations (3) tame (4) scrawn y (4) On ly (A), (B) an d (C)
(5) in stitu tes (5) timid (5) All (A), (B), (C) an d (D)

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 SYNONYMS & ANTONYMS (RELATIVE)
239. ALONE Di r ect i on s (2 4 7 -2 4 8 ) : Ch oose 255. DRAW
(A) exclu sively t h e wor d / gr ou p of wor d s wh i ch i s (1) en tice (2) pu sh
(B) m orose m o st o p p o si t e i n m ean i n g t o t h e (3) decoy (4) attract
word/ grou p of words prin ted in bol d. (5) persu ade
(C) solitary
(I BPS Speci al i st Of f i cer CWE
(D) hu man bein g 256. CLOCK
Ex am . 11. 03.20 12)
(1) On ly (A) (1) watch (2) achieve
247. LACK
(2) Both (A) and (C) (3) time (4) secon d
(1) presen ce (2) su fficien t
(5) regu late
(3) Both (B) an d (C) (3) ch arism a (4) adequ acy
257. ABAT E
(4) On ly (A), (C) an d (D) (5) dearth
(1) rise (2) gear
(5) All (A), (B), (C) an d (D) 248. INCONCEIVABLE
(3) hurl (4) lessen
240. Wh ich of th e followin g is m ost (1) visible (2) tru th fu l
(5) retr eat
opposi t e in m eanin g to th e word (3) in credible (4) apparen t
258. EM ERGI NG
M ARK ED given in bol d. (5) com plex
(1) raising (2) developin g
(1) Decreased (2) Ign ored Di r ect i on s (2 4 9 -2 5 1 ) : Ch oose
(3) noticeable
(3) Clear (4) Assessed t h e wor d/ gr ou p of wor ds wh i ch i s
M OST OPPOSI T E in M EANI NG to th e (4) conspicu ou s (5) u proaring
(5) Im perceptible
word/ grou p of words prin ted in bol d Di r ect i on s (2 5 9 –2 6 1 ) : Ch oose
(I BPS Ban k PO/ M T CWE t h e wor d / gr ou p of wor d s wh i ch i s
Ex am . 18. 09.20 11) as u sed in th e passage.
(I DBI Ban k Of f i cer Ex am .16.09.2012) M OST OPPOSI T E in m ean in g to th e
241. Wh ich of th e followin ig is m ost word/ grou p of words prin ted in bol d
sim ilar in m ean in g to th e word 249. RI GI D
as u sed in th e passage.
SHOCKING given in bol d. (1) Un stru ctu red
(I BPS Ban k PO/ M T CWE
(1) wick ed (2) pleasin g (2) Flexible (3) Soft
Ex am . 17. 06.20 12)
(3) appalling (4) electrifyin g (4) Gen tle (5) Calm
259. M YRI AD
250. STEP-BY-STEP
(5) scandalou s (1) trivial (2) difficu lt
(1) All at on ce
(I BPS Ban k PO/ M T CWE (3) few (4) effor tless
Ex am . 18. 09.20 11) (2) In qu ick su ccession
(5) cou n tless
(3) In slow m otion
Di r ect i on s (2 4 2 –2 4 6 ) : Ch oose 260. T EPI D
t h e wor d / gr ou p of wor d s wh i ch i s (4) In a n u tsh ell
(1) m oderate (2) high
m ost si m i l ar in m ean ing to th e word/ (5) On ce an d for all
(3) warm (4) irregu lar
grou p of words prin ted in bol d. 251. OFFERI NG
(5) little
(I BPS Speci al i st Of f i cer CWE (1) Stealing (2) Permitting
261. MYTH
Ex am . 11. 03.20 12) (3) Refu sin g (4) Protestin g
(1) reality (2) belief
242. REDRESSED (5) Qu estioning
(3) con trast (4) idealism
(1) addressed (2) equ alised Di r ect i on s (2 5 2 -2 5 4 ) : Ch oose
(5) falseh ood
(3) restored (4) redon e t h e wor d / gr ou p of wor d s wh i ch i s
M OST SI M I LAR in M EANI NG to th e Di r ect i on s (2 6 2 –2 6 4 ) :Ch oose
(5) rearran ged th e word wh ich is m o st si m i l ar i n
word prin ted in bol d as u sed in th e
243. CURRENCY passage. m ean in g to th e word prin ted in bol d
(1) n otes (2) u sage (I DBI Ban k Of f i cer Ex am .16.09.2012)
as u sed in th e passage.
(3) m on ey (4) cash (I BPS Speci al i st Of f i cer CWE
252. REMAIN
Ex am .1 7 .0 3 .2 0 13 )
(5) valu e (1) Left-over (2) Stay
262. CAT ERI NG
244. INTRI NSI CALLY (3) Stagnate (4) Continu e
(1) Considerin g (2) Len din g
(1) in tern ally (5) Linger
(3) Su pplying (4) Work in g
(2) whole-h eartedly 253. H I RED
(5) Indu lging
(3) fu ndamentally (1) Allowed (2) Ren ted
263. K EY
(4) virtu ally (3) Au thorised (4) Em ployed
(1) Fou ndation (2) Solu tion
(5) u navoidably (5) Delegated
(3) Requ isite (4) Difficu lt
254. LIMIT
245. INDI CATI VE (5) Im portan t
(1) Maximum (2) Finish
(1) cau sative (2) forth com in g 264. AGGRESSI VE
(3) Cap (4) Decr ease
(3) verbal (4) abstract (1) Violen t (2) Determ in ed
(5) Barrier
(5) su ggestive (3) Dem andin g (4) Offen sive
Di r ect i on s (2 5 5 –2 5 8 ) : Ch oose
246. COMPROMISI NG t h e wor d / gr ou p of wor d s wh i ch i s (5) Bru tish
(1) co-operatin g with M OST SI M I L AR in m ean i n g to th e Di r ect i on s (2 6 5 – 2 6 7 ) : Ch oose
(2) redu cin g th e qu ality word/ grou p of words prin ted in bol d th e word/ ph rase wh ich is m ost op-
(3) h am perin g th e progress as u sed in th e passage. posi t e in m ean in g to th e word prin ted
(I BPS Ban k PO/ M T CWE in bol d as u sed in th e passage.
(4) con ciliatin g in order to
Ex am . 17. 06.20 12) (I BPS Speci al i st Of f i cer CWE
(5) adju stin g for th e better Ex am .1 7 .0 3 .2 0 13 )

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 SYNONYMS & ANTONYMS (RELATIVE)
265. PROSPEROUS 6. Obsol et e 18. Tr adi t i on al
(1) Distressed (2) Helpless (1) Tran sparen t (1) religiou s (2) excessive
(3) Worse (4) Worth less (2) Irregu lar (3) old (4) cu stom ary
(5) Un derprivileged (3) Ou tm oded (5) sick
266. CONSUMING (4) Stran ge Di r ec t i o n s (1 9 -2 0 ) : Ch oose t h e
(1) Destroyin g (2) Exhau sting (5) Straigh tforward word wh ich is m ost opposi t e in m ean -
7. Balefu l in g to th e word prin ted in bold as u sed
(3) Greedy (4) Cu rtailing
(1) Un covered (2) Ru inou s in th e passage.
(5) Spen din g
(3) Gen tle (4) Trial (SBI PO Ex am . 09.01.2005)
267. SURGE
(5) Sh eepish 19. Burgeon i n g
(1) Decrease (2) Deterioratin g
8. Hoodwi n k (1) growin g (2) retardin g
(3) Weak en in g (4) Atroph y
(1) Bamboozle (2) Anticipate (3) dippin g (4) u niqu e
(5) Cru m ble
(3) Desperate (4) Hu m ble (5) comm on
(5) Em brace 20. St agnat in g
SBI PO EXAMS 9. Ni m bl e (1) developin g
Di r ec t i o n s (1 -3 ) : Ch oose t h e (1) Clu m sy (2) Hon est (2) redu n dan t
word wh ich is m ost n early th e SAM E (3) Needless (4) Agile (3) over work in g
in m ean in g as th e word given in bol d (5) Noteworth y (4) fixed
as u sed in th e passage. 10. Base (5) stationery
(SBI Associ at e Ban k s PO (1) Exalted (2) Helpfu l Di r ect i on s (2 1 –3 0 ) : In each of
Ex am . 21. 07.20 02) (3) Unm ark ed (4) Harsh th e followin g qu estion s fou r words are
1. PREDI SPOSED (5) Im moral given of wh ich two wrods are m ost
(1) relu ctan t (2) u n prepared 11. Fi deli t y nearly the same or opposite in mean ing.
(3) ready (4) h esitan t (1) Perfidy (2) Loyalty Fin d th e t wo word s wh ich are m ost
(5) in terested (3) Am n esty (4) Fresh n ess nearly th e sam e or opposite in meaning
2. STRESS (5) Vivacity an d in dicate th e n u m ber of th e correct
(1) en force (2) em ph asise letter com bination .
12. In di gn at i on
(3) pressu rise (4) su ppress (SBI Associ at e Ban k s PO
(1) Anim osity (2) In solen ce
(5) im plem en t Ex am . 07.01.2007)
(3) Forbearan ce (4) Alertn ess
3. AFTERM AT H 21. (A) Proximate (B) Elevated
(5) Indolen ce
(1) devastation (2) disharm on y (C) Nimble (D) Agile
13. Loft y
(3) posterity (4) consequ en ce (1) A-B (2) B-C
(1) Deserted (2) Im posin g
(5) con temporary (3) A-C (4) B-D
(3) Solitary (4) Lowly
Di r ect i on s (4 -5 ) : Ch oose th e (5) C-D
(5) Adrift
w or d w h i ch i s m os t o p p o s i t e i n 22. (A) Notion (B) Symbol
m ean in g to th e word given in bol d as 14. Heed
(1) Assist (2) Neglect (C) Con cept (D) Message
u sed in th e passage.
(3) Uphold (4) Conceal (1) A-B (2) B-C
(SBI Associ at e Ban k s PO
Ex am . 21. 07.20 02) (5) Disgu ise (3) A-C (4) C-D
4. AGREEM ENT 15. In t r epi d (5) B-D
(1) dissen sion (1) Au daciou s (2) Acqu ired 23. (A) Lim pid (B) Lu sciou s
(2) harm on y (3) Eviden t (4) Sim ple (C) Acrid (D) Ben ign
(3) refu sal (5) Bash fu l (1) A-B (2) B-C
(4) m isu n derstandin g Di r ec t i o n s (1 6 -1 8 ) : Ch oose t h e (3) C-D (4) B-D
(5) differential word wh ich is m ost n ear l y t h e SAM E (5) A-C
5. SET T LED in m ean ing as the word prin ted in bold 24. (A) Asinine (B) Fu riou s
(1) dislocated as u sed in t h e passage.
(C) Fortu nate (D) Ridicu lou s
(2) u n preceden ted (SBI PO Ex am . 09.01.2005)
(1) A-D (2) A-B
(3) irrelevan t 16. Access
(3) A-C (4) B-C
(1) reach (2) loan
(4) stabilised (5) B-D
(3) h elp (4) advan tage
(5) u nfou n ded 25. (A) Companion (B) Amateu r
(5) u tility
Di r ect i on s (6 -1 5 ) : Ch oose th e (C) Adept (D) Adh eren t
17. Adven t
word wh ich is m ost n early th e SAM E (1) B-C (2) B-D
(1) sh in in g (2) departu re
in m ean in g as th e word given in bol d. (3) C-D (4) A-B
(3) power (4) force
(SBI Ban k PO Ex am . 18.05.2003) (5) A-D
(5) arrival
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 SYNONYMS & ANTONYMS (RELATIVE)
26. (A) Squ ander (B) Disu nite 35. Relevan t 43. (A) appalling (B) sin ister
(C) Flick er (D) Preserve (1) relative (2) irregu lar (C) pertu rbed (D) th reaten in g
(1) A-C (2) B-C (3) u n related (4) irr espect ive (1) A – B (2) B – D
(3) A-D (4) C-D (5) u nimportant (3) A – C (4) A – D
(5) B-D 36. En li gh t en ed (5) D – C
27. (A) Mitigate (B) Acqu iesce (1) ignorant (2) u nimaginative 44. (A) imprison (B) tortu re
(C) Relinqu ish (D) Du plicate (3) impolite (4) ru stic (C) excru ciate (D) extract
(1) A-C (2) B-D (5) malevolent (1) B – D (2) B – C
(3) A-B (4) C-D Di r ect i on s (3 7 – 38 ) : Ch oose th e (3) A – B (4) C – D
word/ grou p of words wh ich is m ost (5) A – C
(5) B-C
si m i l ar in m ean in g to th e word/ grou p
28. (A) Fable (B) Legen d 45. (A) pertin en t (B) impolite
of words prin ted in bol d as u sed in
(C) Portrayal (D) Contract th e passage. (C) irrelevan t (D) in secu re
(1) A-C (2) B-C (SBI Associ at es Ban k Po (1) A – C (2) B – D
(3) B-D (4) A-B Ex am . 07.03.2010) (3) C – D (4) A – D
(5) C-D 37. TURM OI L (5) B – C
29. (A) Occu rren ce (B) Pr eten ce (1) dan ger (2) sh ock Di r ect i o n s (4 6 –4 8 ) : Ch oose th e
(3) sadn ess (4) fear word/ grou p of word s wh ich is m o st
(C) Profu sion (D)
(5) ch aos si m i l ar in m ean in g to th e word prin ted
Extravagance
38. PULVERI ZAT ION in bol d as u sed in th e passage.
(1) B-D (2) C-D (SBI & Rur al Busi n ess PO
(3) B-C (4) A-C (1) polarisation
Ex am . 18.04.2010)
(5) A-B (2) mash in g (3) debasem en t
46. ST ARVED
30. (A) Excellen t (B) Passionate (4) fall (5) cru sh in g
(1) D ep ri ved
(C) Apathetic (D) Discrepan t Di r ect i on s (3 9 –4 0 ) : Ch oose th e
(2) Disadvan taged
word/ grou p of words wh ich is m ost
(1) A-B (2) A-C opposi t e in m eaning to the word/ grou p (3) H u n gry
(3) A-D (4) B-C of words prin ted in bol d as u sed in (4) Fastin g
(5) C-D th e passage. (5) Emaciated
Di rect i on s (3 1–3 3 ) : Choose the (SBI Associ at es Ban k Po 47. SLAPPED
word wh ich is M OST NEARLY T H E Ex am . 07.03.2010) (1) Beaten (2 ) Im posed
SAM E in meaning as the word printed 39. T H RI VE (3) Wit h drawn (4) Avoided
in bol d. (1) su cceed (2) deteriorate (5) Per su ad ed
(SBI PO Pr el i m i n ar y (Ti r e-I ) (3) worry (4) trem ble 48. PLOWED
Ex am . 27.07.2008) (5) strive
(1) Cu ltivated (2) Bu lldozed
31. Qu est 40. MUNDANE
(3 ) Recover ed (4) In stilled
(1) search (2) qu ality (1) extraordin ary
(5 ) Wi th dr ew
(3) zeal (4) enthu siasm (2) regu lar (3) severe
Di r ect i o n s (4 9 –5 0 ) : Ch oose th e
(5) fin d (4) vision ary (5) rou tin e wor d/ ph r ase wh ich i s m ost op posi t e
32. Ev o l v e Di r ect i on s (4 1 –4 5 ) : In each of in m ean in g to th e word printed in bol d
(1) in volve (2) develop th e followin g qu estion s fou r words are as u sed in t h e passage.
(3) gen erate (4) en visage given of wh ich two wor ds are m ost (SBI & Rur al Busi n ess PO
n early th e sam e or opposi t e in m ean - Ex am . 18.04.2010)
(5) expect
ing. Find the two words which are m ost
33. Obsol et e 49. PRESSI NG
n early th e sam e or opposite in m ean -
(1) com plete (2) u nreliable ing and indicate th e n u m ber of the cor - (1) Un popu lar
(3) u nimaginable rect letter com bin ation . (2) Un dem andin g
(4) ou tdated (5) u sefu l (SBI Associ at es Ban k Po (3) Un obtru sive
Ex am . 07.03.2010) (4) Un su itable
Di rect i on s (34 –3 6 ) : Choose th e
word wh ich is M OST OPPOSI T E i n 41. (A) in stigate (B) en qu ire (5) Un im portan t
m ean in g to th e word prin ted in bol d. (C) con stru e (D) in terpret 50. EVAPORAT ED
(SBI PO Pr el i m i n ar y (Ti r e-I ) (1) A–C (2) A – B (1 ) Ab sorb ed (2) Accelerated
Ex am . 27.07.2008) (3) C–D (4) B – D (3 ) Gr ew (4) Plu n ged
34. Affluen t (5) A–D (5) Mism anaged
(1) respon sible 42. (A) su perficial (B) su perflu ou s Di r ec t i o n s (5 1 –5 5 ) : In each of
(2) incon siderate (C) en ligh tened (D) su rplu s th e followin g qu estion s fou r words are
(3) u n realistic (1) A–C (2) A – B gi ven of wh i ch two words are m o st
(4) idealistic (3) B –C (4) B – D n ear ly t h e sam e or opposi t e in mean -
(5) depr ived (5) A–D ing. Find the two words which are m ost

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 SYNONYMS & ANTONYMS (RELATIVE)
n earl y t h e sam e or op posite in m ean - 59. STUMBLING BLOCK Di r ect i on s (6 7 –6 8 ) : Choose th e
in g an d fin d t h e n u m b er of th e cor - (1) argu ment (2) fru stration word which is MOST SIMILAR in mean-
rect lett er com bin ation , th at is you r (3) advantage (4) hu rdle in g to th e word prin ted in bol d as u sed
an swer. (5) fallou t in th e passage.
(SBI & Rur al Busi n ess PO (SBI Pr obat i on ar y Of f i cer
Di r ect i on s (6 0 –6 2 ) : Ch oose th e
Ex am . 18.04.2010) Ex am 2 8.04 .201 3)
word / grou p of words wh ich is m ost
51. (A) con sen t (B) n ascen t 67. Heralded
opposi t e in m eaning to the word/ grou p
(C) em er gi n g (D) i n secur e of words prin ted in bol d as u sed in (1) Su spected (2) Pu blicised
(1 ) A – C (2 ) B – D th e passage. (3) Dragged (4) Objective
(3 ) B – C (4 ) A – D (SBI Associ at e Ban k s PO (5) Benefit
(5) A – B Ex am . 07.08.2011) 68. Out wei gh
52. (A) el at ed (B) eccen t ri c 60. CUMBERSOME (1) Control (2) Ven tu re
(C) ex pl i ci t (D) abn or m al (1) handy (2) man ageable (3) Perish (4) Determin e
(1 ) A – B (2 ) B – D (3) breath tak ing (5) Su rpass
(3 ) A – C (4 ) A – D (4) awk ward (5) difficu lt Di r ect i on s (6 9 –7 0 ) : Choose th e
61. RESEMBLE word wh ich is M OST OPPOSI T E i n
(5) D – C
m ean in g to th e word prin ted in bol d
53. (A) abun dan ce (B ) i n c o m p a - (1) against (2) sim ilar to
as u sed in th e passage.
r abl e (3) m irror (4) differ from
(SBI Pr obat i on ar y Of f i cer
(C) pr oj ect i on (D) pl et h or a (5) u nfavou rable to Ex am 2 8.04 .201 3)
(1 ) A – C (2 ) A – B 62. DIFFERENTIATED 69. Em brace
(3 ) C – D (4 ) B – D (1) similar (2) varied (1) Contradict (2) Disobey
(5) A – D (3) harmonized (3) Cu rtail (4) Reject
54. (A) pu r posefu l l y (4) syn ch ronized (5) Obscu re
(B) i n accu rat ely (5) discrim in ated 70. Subversi on
(C) i n adver t en t l y Di r ect i on s (6 3 –6 4 ) : Choose th e (1) Compliance (2) Sanity
(D) un ch an geably word which is MOST SIMILAR in mean- (3) Popu larity
(1 ) A – C (2 ) A – B in g to th e word prin ted in bol d as u sed (4) Destabilisation
in th e passage.
(3 ) B – C (4 ) B – D (5) Clarity
(SBI Pr obat i on ar y Of f i cer
(5) A – D Di r ect i on s (7 1 -7 5 ) : In each of
Ex am 2 8.04 .201 3)
55. (A) germ an e (B) gen erat e th e followin g qu estion s fou r words are
63. Mul t i t u de gi ven of wh ich two words are m ost
(C) r el i abl e (D) i r rel evan t
(1) Im poverish ed n ear ly t h e sam e or opposi t e in mean -
(1 ) B – D (2 ) B – C ing. Find the two words which are m ost
(2) Han dfu l
(3 ) A – B (4 ) C – D n early th e sam e or opposite in m ean -
(3) Ack n owledged
(5) A – D ing and indicate th e n u m ber of the cor -
(4) Plenty (5) Solitu de
Di r ect i on s (5 6 –5 9 ) : Ch oose th e rect letter com bin ation .
64. Ubi qui t ou s
word/ grou p of words wh ich is m ost (SBI Pr obat i on ar y Of f i cer
(1) Qu intessential Ex am 2 8.04 .201 3)
si m i l ar in m ean ing to th e word / grou p
of words prin ted in bol d as u sed in (2) Popu lar 71. (A) con sen t (B) n ascen t
th e passage. (3) Omn ipresen t (C) emergin g (D) in secu re
(SBI Associ at e Ban k s PO (4) Sim plified (5) Abnormal (1) A-C (2) B-D
Ex am . 07.08.2011) Di r ect i on s (6 5 –6 6 ) : Choose th e (3) B-C (4) A-D
56. FOSTERING word wh ich is M OST OPPOSI T E i n (5) A-B
(1) safegu ardin g m ean in g to th e word prin ted in bol d
72. (A) elated (B) eccen tric
(2) n eglectin g as u sed in th e passage.
(C) explicit (D) abnormal
(SBI Pr obat i on ar y Of f i cer
(3) sidelining (4) nu rtu ring (1) A-B (2) B-D
Ex am 2 8.04 .201 3)
(5) ignoring (3) A-C (4) A-D
65. Dorm an t
57. PROPEL (5) D-C
(1) Em aciated (2) Pertinen t
(1) drive (2) jettison 73. (A) abu n dance
(3) Cornered (4) Rejected
(3) bu rst (4) acclim atize (B) in comparable
(5) Active
(5) modify (C) projection
66. Del ay ed
58. MASSIVE (D) plethora
(1) Pertu rbed (2) Popu larised
(1) lu mp su m (2) stron g (1) A-C (2) A-B
(3) Expedited (4) Stabilised
(3) little (4) gaping (3) C-D (4) B-D
(5) Repr essed
(5) hu ge (5) A-D
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 SYNONYMS & ANTONYMS (RELATIVE)
74. (A) pu rposefu lly Di r ect i on s (6 -1 0 ) : In each of t h e 12. (A) perm it (B) corru pt
(B) in accu rately followin g qu estion s fou r words are giv- (C) con vin ce (D) san ction
(C) inadverten tly en of wh ich two words ar e m ost n ear - (1 ) A–B (2 ) B –D
ly th e sam e or opp osi te in m ean in g.
(D) u nchangeably (3 ) A–D (4 ) B –C
Fi n d th e two words wh ich are m ost
(1) A-C (2) A-B (5 ) A–C
n earl y t h e sam e or op posite in m ean -
(3) B-C (4) B-D in g an d i n di cat e th e n u m b er of t h e 13. (A) sen tim en t
(5) A-D correct lett er com bin ati on , by dar k - (B) tranqu il
75. (A) germ an e (B) gen erate en in g t h e ap p rop r i ate oval i n you r (C) seriou s (D) solem n
(C) reliable (D) irrelevan t an swersh eet . (1 ) A–B (2 ) B –C
(1) B-D (2) B-C (RBI Gr ade-B Of f i cer
(3 ) B –D (4 ) C–D
(3) A-B (4) C-D Ex am . 2007)
(5 ) A–D
(5) A-D 6. (A) Prolixity
14. (A) m in u te (B) tigh t
(B) Brevity
(C) r edu ce (D ) exact
RBI GRADE–B (C) Agr eem en t
(D) Proposition (1 ) A–B (2 ) A–D
OFFICER EXAMS (1) A-B (2) B-C (3 ) B –C (4 ) C–D
(3 ) C-D (4) A-C (5 ) A–C
Di r ect i on s (1 –5 ) : In each of th e 15. (A) relevan t (B) explicit
fol lowi n g qu est i on s fou r wor d s ar e (5) A-D
given of wh ich two wor ds are m ost 7. (A) Su ffu se (B ) Deplete (C) apt (D) willin g
n early th e sam e or opposite in m ean - (C) Figh t (D) Del ay (1 ) A–D (2 ) A–C
ing. Find the two words which are m ost (1) B-C (2 ) C-D (3 ) C–D (4 ) B –C
n early th e sam e or opposite in m ean - (3) A-C (4) A-D (5 ) B –D
in g an d in dicate th e n u m ber of th at
(5) A-B
pair of words as th e an swer.
(RBI Gr ade-B Of f i cer
8. (A) Foren sic INSURANCE EXAMS
Ex am .1 7 .1 1 .2 0 02 ) (B) Del ectable
Di r ect i on s (1 –5 ) : For each of th e fol-
1. (A) Au daciou s (C) Leafli k e
lowin g capitalized words, fou r words
(B) Ventu rou s (D) Charm in g
or ph rases are given of wh ich on ly on e
(C) Abstru se (D) Silent (1) A-C (2 ) B -D is syn on ym ou s with th e given word.
(1) A— C (2) B — C (3) A-D (4) B-C Select th e syn on ym .
(3) C— D (4) A — B (5) A-B (LI C Assi st an t Adm i n i st r at i v e Of f i cer
(5) B — D 9. (A) Benevolen t (AAO) Ex am . 07.06.2009 )
2. (A) Eu demonia (B) Alarming 1. DEFER
(B) Extol (C) Eu logise (C) Ch aritable (1) resp ect (2) dislik e
(D) En ergise (D) Stu pendou s
(3) postpon e (4) disresp ect
(1) A— B (2) B — C (1) A-B (2) B-C
2. DUBIOUS
(3) B — D (4) A — D (3 ) C-D (4) A-C
(1) clear (2) u ndou btedly
(5) C— D (5 ) B -D
(3) hesitant (4) dou btfu l
3. (A) Reclu se (B) Pandem ic 10. (A) Conven ien t
3. COARSE
(C) Tran sparen t (B) In toleran t
(1) impolite (2) rou gh
(D) Opaqu e (C) En du ran t
(3) polish ed (4) improper
(1) A— B (2) C — D (D) Protestan t
(1) A-B (2) A-C 4. PROXIMITY
(3) A— C (4) A — D
(5) B — D (3) B-C (4 ) B -D (1) n earn ess (2) aloofn ess
4. (A) Diminu tive (5 ) C-D (3) completely (4) nearly
(B) In telligent Di r ec t i o n s (1 1 –1 5 ) : In each 5. ABSTAIN
(C) Lar ge (D) Prolific it em two of th e words ar e relat ed in (1) stay (2) tempt
(1) B — D (2) B — C som e way i e. t h ey are si m il ar or op- (3) refrain (4) pardon
posites. Pick ou t th e option which rep- Di r ect i on s (6 –1 0 ) : Ch oose th e
(3) A— C (4) A — B
resen t s t h is pai r. correct an ton ym from th e ch oices for
(5) C— D
(RBI Gr ade-B Of f i cer
5. (A) Enormou s each of the followin g capitalised words:
Ex am . 2008)
(B) Malign (LI C Assi st an t Adm i n i st r at i v e Of f i cer
11. (A) gen u in e (B ) p roof
(C) Absorb (D) Slander (AAO) Ex am . 07.06.2009 )
(C) tr u e (D) fu n dam en tal
(1) A— C (2) B — C 6. INDIFFERENT
(1 ) A–B (2 ) B –C
(3) C— D (4) B — D (1) cu riou s (2) varied
(3 ) A–C (4 ) C–D
(5) A— D (3) alik e (4) u niform
(5 ) B –D
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 SYNONYMS & ANTONYMS (RELATIVE)
7. DISCREET Di r ect i on s (2 1 –24 ) : Ch oose th e 3 3 . LUSCI OUS
(1) wi se (2) diplomatic word wh ich is opposite in m ean in g to (1) fick le (2) insipid
(3) pru den t (4) careless th e given word. (3) languid (4) deterioratin g
8. OBSOLETE (New I n di a I n sur an ce AAO 34. UNDULAT ING
(1) fr ee (2) an cient Ex am . 22. 05.20 11 )
(1) flat (2) u ps
(3) cu rren t (4) cu ltu red 21. Exorbitant
(3) st eep (4) gradu al
9. RATIONAL (1) barbaric (2) fam ish ed
35. SUPERFICIAL
(3) cou n terfeit (4) m oderate
(1) sou nd (2) insane (1) shallow (2) deep
22. Hu mane
(3) ju diciou s (4) sen sible (3) real (4) artificial
(1) cru el (2) prou d
10. SCEPTICAL 3 6 . SUPPRESS
(3) ch eerfu l (4) tranqu il
(1) dou btfu l (2) con vinced (1) stimu late (2) length en
23. Obsolete
(3) qu estioning (4) cin ic (3) abandon (4) smother
(1) h eated (2) desolate
Di r ect i on s (1 1 –1 5 ) : In th e fol-
(3) ren ovated (4) au tomatic Di r ect i on s (3 7 –4 1 ) : In th e fol-
lowin g qu estion s ch oose th e altern a-
24. Su ppress lowin g qu estion s ch oose th e altern a-
tive wh ich is opposite in m ean in g to
(1) stimu late (2) len gthen tive wh ich is opposite in m ean in g to
th e given word.
(3) aban don (4) sm oth er th e given word.
(Or i en t al I n sur an ce AO
Di r ect i on s (2 5 –2 8 ) : In th e fol- (Un i t ed I n di a I n sur an ce AAO
Ex am . 09. 05.20 10 )
lowin g qu estion s ch oose th e altern a- Ex am .0 3 .0 6 .2 0 12 )
11. INVALID
tive wh ich best expresses th e m ean - 37. LUSCIOUS
(1) healthy (2) stron g
in g of th e given word.
(3) sou nd (4) deterioratin g (1) fick le (2) in sipid
(New I n di a I n sur an ce AAO
12. MAGNANIMITY (3) languid (4) deterioratin g
Ex am . 22. 05.20 11 )
(1) disability (2) h ypocrisy 38. HAPHAZARD
25. Fastidiou s
(3) m ean n ess (4) m iserlin ess (1) dou btfu l (2) particu lar (1) safe (2) in differen t
13. SUPERFICIAL (3) hesitant (4) cau tiou s (3) deliberate (4) ten se
(1) shallow (2) real 26. Em ancipate 49. EVASIVE
(3) deep (4) artificial (1) pass (2) con fu se (1) fran k (2) correct
14. MAR (3) free (4) imagine (3) em pty (4) watchfu l
(1) tran sparen t 27. Ham per 40. DESTITUTE
(2) cover ed (1) open (2) h ide (1) stationary
(3) clear (3) n otice (4) hin der (2) ch aracteristic
(4) mak e 28. Despicable (3) dazzling
15. MATERIAL (1) u ndesirable (2) con tem ptible (4) afflu en t
(1) moral (2) ideal (3) desperate (4) faith less 41. DEARTH
(3) spiritu al (4) psych ological Di r ect i on s (2 9 –3 2 ) : In th e fol-
(1) width (2) life
Di r ect i on s (1 6 –2 0 ) : In th e fol- lowin g qu estion s ch oose th e altern a-
(3) abu ndan ce (4) brigh tn ess
lowin g qu estion s ch oose th e altern a- tive wh ich best expresses th e m ean -
tive wh ich best expresses th e m ean - in g of th e given word. Di r ect i on s (4 2 –4 6 ) : In th e fol-
in g of th e given word. (Or i en t al I n sur an ce Com pan y lowin g qu estion s ch oose th e altern a-
(New I n di a Assur an ce AO Ex am .0 8 .0 4 .2 0 12 ) tive wh ich best expresses th e m ean -
29. Clan dest i n e in g of th e given word.
Ex am . 25. 10.20 09 )
(1) Secret (2) gloomy (Un i t ed I n di a I n sur an ce AAO
16. ABSOLVE
Ex am .0 3 .0 6 .2 0 12 )
(1) absorb (2) agree (3) paitial (4) cau tiou s
30. Grat i fy 42. BEHEST
(3) acqu it (4) abort
(1) devou r (2) gran t (1) comm an d (2) see
17. BEHEST
(3) grab (4) satisfy (3) attach (4) harm
(1) command (2) see
31. Credi bl e 43. COLOSSUS
(3) attach (4) h arm
(1) worth y (2) believable (1) tall (2) h u ge
18. ADHERE
(3) noticeable (4) carefu l (3) lofty (4) towerin g
(1) accept (2) disgu ise
32. Despi cabl e 44. DEFER
(3) figh t (4) stick
(1) contem ptible (2) faith less (1) respect (2) disgu ise
19. FRAGMENT
(3) desperate (4) u n desirable (3) postpon e (4) dislik e
(1) smell (2) portion
Di r ect i on s (3 3 –3 6 ) : Choose th e 45. EXASPERATION
(3) image (4) im pression
word wh ich is opposite in m ean in g to
20. ENDORSEMENT (1) exaltation (2) irritation
th e given word.
(1) imposition (2) en du ran ce (Or i en t al I n sur an ce Com pan y
(3) amplification
(3) award (4) approval Ex am .0 8 .0 4 .2 0 12 ) (4) exception

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 SYNONYMS & ANTONYMS (RELATIVE)
46. FRAGMENT In t r epi d 61. In th e followin g qu estion , ou t of
(1) smell (2) im age (1) hesitant (2) fearless th e fou r altern atives, ch oose th e
(3) portion (4) im pression (3) extrovert (4) rash on e wh i ch b est ex p r esses t h e
(NI CL (GI C) Adm i n i st r at i v e Of f i cer m ean in g of th e given word.
47. Ch oose t h e w or d op p osi t e i n
m ean in g to th e given word :
Ex am . 08.0 9.2013 Pap er -I ) Barren
54. Ch oose th e word wh ich is m ost (1) good (2) wh olesom e
Frugal
opposite in m ean in g to th e word (3) u n produ ctive(4) profitable
(1) m iserly (2) glu ttonou s (NI CL (GI C) Adm i n i st r at i v e Of f i cer
prin ted in bold.
(3) plentifu l (4) extravagan t Ex am . 08.0 9.2013 Pap er -I )
Con si der at e
(NICL (GIC) AO (Fi n ance) (1) ignorant (2) lazy 62. Wh ich of th e followin g is n ot a
Ex am . 08 .09.20 13) (3) an gry (4) insen sitive syn on ym of th e word Bast i l l e ?
48. Ch oose th e on e wh ich best ex- (NI CL (GI C) Adm i n i st r at i v e Of f i cer (1) fortress (2) prison
presses th e m ean in g of th e giv- Ex am . 08.0 9.2013 Pap er -I ) (3) jail (4) fop
en word : pr ogn osi s 55. Ch oose t h e w or d op p osi t e i n (NICL (GIC) AO (Fi n ance)
(1) diagnosis (2) forecast m ean in g to th e given word: Ex am . 08 .09.20 13)
(3) pr eface (4) identity Cessat i on 63. Anton ym for Con san gu i n i t y is
(NICL (GIC) AO (Fi n ance) (1) com mencem en t (1) affinity (2) corpu len t
Ex am . 08 .09.20 13) (2) renewal (3) estran gem en t (4) an arch y
(3) ongoing
49. Ch oose t h e w or d op p osi t e i n (NICL (GIC) AO (Fi n ance)
(4) in terru ption
m ean i n g t o t h e gi ven w or d : Ex am . 08 .09.20 13)
(NI CL (GI C) Adm i n i st r at i v e Of f i cer
poach Ex am . 08.0 9.2013 Pap er -I ) 64. Ch oose th e word wh ich best ex-
(1) catch (2) hu nt presses th e m ean in g of th e giv-
56. Ch oose t h e w or d op p osi t e i n
(3) preach (4) plu nder en word.
m ean in g to th e given word: Pr o-
ECSTATIC
(NICL (GIC) AO (Fi n ance) crast i n at e
Ex am . 08 .09.20 13) (1) experim en t (2) expedite (1) Animated (2) Bewildered
50. Ch oose t h e w or d op p osi t e i n (3) exclu de (4) propagate (3) En raptu red (4) Illfu l7
m ean in g to th e given word : su s- (NI CL (GI C) Adm i n i st r at i v e Of f i cer (NICL (GIC) AO (Fi n ance)
cept i bl e Ex am . 08.0 9.2013 Pap er -I ) Ex am . 08 .09.20 13)
(1) incredible 57. Ch oose th e word wh ich is m ost 65. Ch oose th e word wh ich is n ot a
(2) immu ne si m i l ar in m ean in g to th e word sy n on y m for t h e gi ven w or d :
prin ted in bold: Rel i ev ed Flak e
(3) predictable
(1) exempted (2) back ed (1) scu r f (2) sliver
(4) u n predictable
(3) su pported (4) calm ed (3) ch ip (4) bu n ting
(NICL (GIC) AO (Fi n ance) (NI CL (GI C) Adm i n i st r at i v e Of f i cer (NICL (GIC) AO (Fi n ance)
Ex am . 08 .09.20 13) Ex am . 08.0 9.2013 Pap er -I ) Ex am . 08 .09.20 13)
51. Ch oose th e on e wh ich best ex- 58. Ch oose th e on e wh ich best ex- 66. Ch oose th e word wh ich is m ost
presses th e m ean in g of th e giv- presses th e m ean in g of th e giv- opposite in m ean in g to th e bol d
en word. en word prin ted in bol d. word :
Exh or t Repart ee It was a very dr ear y day.
(1) recom m en d (2) coax (1) refu se (2) celebrate (1) drab (2) dan gerou s
(3) pr essu re (4) pu sh (3) resp on se (4) qu estion
(3) beau tifu l (4) brigh t
(NI CL (GI C) Adm i n i st r at i v e Of f i cer (NI CL (GI C) Adm i n i st r at i v e Of f i cer
Ex am . 08.0 9.2013 Pap er -I ) (NICL (GIC) AO (Fi n ance)
Ex am . 08.0 9.2013 Pap er -I )
Ex am . 08 .09.20 13)
52. In th e followin g qu estion , ou t of 59. Ch oose th e word wh ich is m ost
sim ilar in m ean in g to th e word 67. Ch oose th e word wh ich is m ost
th e fou r altern atives, ch oose th e
prin ted in bol d. nearly the same in mean ing to the
on e wh i ch b est expr esses t h e
Assu r ed bol d word:
m ean in g of th e word prin ted in
bol d . (1) in su red (2) defin ite He is very i m pu l si v e in every-
(3) dou bted (4) con fiden t th in g h e does.
In fam y
(NI CL (GI C) Adm i n i st r at i v e Of f i cer (1) deliberate (2) wary
(1) notoriety (2) glory
Ex am . 08.0 9.2013 Pap er -I ) (3) rash (4) im pressive
(3) in tegrity (4) familiarity
60. Ch oose th e word wh ich is m ost (NICL (GIC) AO (Fi n ance)
(NI CL (GI C) Adm i n i st r at i v e Of f i cer
opposite in m ean in g to th e word Ex am . 08 .09.20 13)
Ex am . 08.0 9.2013 Pap er -I )
prin ted in bol d. 68. Syn on ym for : Au r eat e is
53. In th e followin g qu estion , ou t of Furt h est
th e fou r altern atives, ch oose th e (1) brilliant (2) gilded
(1) longest (2) closest (3) resplen den t (4) archaic
on e wh i ch b est ex p r esses t h e (3) greatest (4) sh ortest
m ean in g of th e word prin ted in (NICL (GIC) AO (Fi n ance)
(NI CL (GI C) Adm i n i st r at i v e Of f i cer
bol d . Ex am . 08 .09.20 13)
Ex am . 08.0 9.2013 Pap er -I )

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 SYNONYMS & ANTONYMS (RELATIVE)
69. Ch oose th e on e wh ich best ex-
57. (2) 58. (5) 59. (2) 60. (1) 217. (1) 218. (3) 219. (1) 220. (2)
presses th e mean in g of th e word.
Lu ri d 61. (3) 62. (2) 63. (3) 64. (4) 221. (2) 222. (4) 223. (3) 224. (2)
(1) h appy (2) abu n dant 225. (4) 226. (1) 227. (5) 228. (3)
65. (2) 66. (4) 67. (2) 68. (1)
(3) brigh t (4) shock in g
(NICL (GIC) AO (Fi n ance) 69. (4) 70. (3) 71. (5) 72. (3) 229. (4) 230. (2) 231. (5) 232. (2)
Ex am . 15 .12.20 13) 233. (4) 234. (1) 235. (1) 236. (3)
73. (1) 74. (5) 75. (2) 76. (4)
70. Syn on ym for :
77. (1) 78. (1) 79. (5) 80. (3) 237. (2) 238. (5) 239. (2) 240. (5)
Cr eden ce is
(1) corru pt (2) in credible 81. (4) 82. (4) 83. (5) 84. (3) 241. (3) 242. (1) 243. (2) 244. (3)
(3) virtu e (4) belief
85. (4) 86. (1) 87. (2) 88. (5) 245. (5) 246. (2) 247. (4) 248. (4)
(NICL (GIC) AO (Fi n ance)
Ex am . 15 .12.20 13) 89. (3) 90. (1) 91. (5) 92. (2) 249. (2) 250. (5) 251. (3) 252. (2)
71. An ton ym for Gar r u l ou s is 253. (4) 254. (1) 255. (4) 256. (2)
(1) loqu aciou s (2) talk ative 93. (4) 94. (3) 95. (5) 96. (2)
(3) qu iet (4) weary 97. (5) 98. (1) 99. (1) 100. (1) 257. (4) 258. (2) 259. (3) 260. (3)
(NICL (GIC) AO (Fi n ance) 261. (1) 262. (3) 263. (5) 264. (2)
Ex am . 15 .12.20 13) 101. (4) 102. (2) 103. (3) 104. (5)
72. Ch oose t h e word wh ich is t h e 105. (5) 106. (1) 107. (3) 108. (4) 265. (5) 266. (1) 267. (1)
exact opposite of th e given word.
109. (2) 110. (5) 111. (3) 112. (3)
HYPOCRITICAL
(1) Gen tle (2) Sin cere 113. (1) 114. (1) 115. (4) 116. (3)
SBI PO EXAMS
(3) Am iable (4) Depen dable
117. (1) 118. (1) 119. (3) 120. (2) 1. (3) 2. (2) 3. (4) 4. (1)
(NICL (GIC) AO (Fi n ance)
Ex am . 15 .12.20 13) 121. (5) 122. (2) 123. (2) 124. (5) 5. (5) 6. (3) 7. (2) 8. (1)
73. Ch oose th e word wh ich is n ot a
125. (2) 126. (4) 127. (3) 128. (1) 9. (4) 10. (3) 11. (1) 12. (3)
syn on ym for th e given word :
Spray 129. (4) 130. (2) 131. (1) 132. (5) 13. (4) 14. (2) 15. (5) 16. (1)
(1) squ irt (2) spu rt
133. (3) 134. (1) 135. (4) 136. (1) 17. (5) 18. (4) 19. (2) 20. (1)
(3) gu sh (4) jewry
(NICL (GIC) AO (Fi n ance) 137. (5) 138. (4) 139. (3) 140. (3) 21. (5) 22. (5) 23. (2) 24. (1)
Ex am . 15 .12.20 13) 25. (5) 26. (3) 27. (5) 28. (4)
141. (1) 142. (1) 143. (2) 144. (4)
145. (5) 146. (5) 147. (4) 148. (3) 29. (2) 30. (4) 31. (1) 32. (2)
SHORT ANSWERS 33. (4) 34. (5) 35. (3) 36. (1)
149. (5) 150. (3) 151. (1) 152. (4)
37. (5) 38. (5) 39. (2) 40. (1)
NATIONALISED BANKS 153. (2) 154. (5) 155. (4) 156. (3)
41. (3) 42. (4) 43. (1) 44. (2)
& IBPS PO/MT/SO 157. (5) 158. (2) 159. (1) 160. (2)
45. (1) 46. (1) 47. (2) 48. (1)
161. (5) 162. (3) 163. (1) 164. (4)
1. (1) 2. (5) 3. (2) 4. (4) 49. (2) 50. (3) 51. (3) 52. (2)
165. (4) 166. (3) 167. (2) 168. (5)
5. (3) 6. (5) 7. (4) 8. (2) 53. (5) 54. (1) 55. (1) 56. (4)
169. (1) 170. (1) 171. (1) 172. (1)
9. (3) 10. (1) 11. (2) 12. (1) 57. (1) 58. (5) 59. (4) 60. (2)
173. (3) 174. (2) 175. (2) 176. (3)
13. (4) 14. (3) 15. (3) 16. (4) 61. (4) 62. (3) 63. (4) 64. (3)
177. (1) 178. (3) 179. (5) 180. (3) 65. (5) 66. (3) 67. (2) 68. (5)
17. (3) 1 8 . (2) 19. (1) 20. (2)
181. (1) 182. (5) 183. (5) 184. (1) 69. (4) 70. (1) 71. (3) 72. (2)
21. (1) 22. (3) 23. (5) 24. (1)
185. (5) 186. (3) 187. (3) 188. (4) 73. (5) 74. (1) 75. (5)
25. (4) 26. (5) 27. (2) 28. (3)
189. (1) 190. (2) 191. (2) 192. (5)
29. (5) 30. (5) 31. (4) 32. (2)
193. (5) 194. (1) 195. (3) 196. (5) RBI GRADE–B
33. (3) 34. (4) 35. (5) 36. (5)
197. (1) 198. (3) 199. (2) 200. (4) OFFICER EXAMS
37. (3) 38. (3) 39. (1) 40. (2)
41. (4) 42. (1) 43. (5) 44. (5) 201. (3) 202. (1) 203. (3) 204. (5)
1. (4) 2. (2) 3. (2) 4. (3)
45. (2) 46. (5) 47. (4) 48. (2) 205. (4) 206. (3) 207. (3) 208. (5)
5. (4) 6. (1) 7. (5) 8. (2)
49. (1) 50. (5) 51. (1) 52. (5) 209. (2) 210. (1) 211. (1) 212. (5)
9. (4) 10. (3) 11. (3) 12. (3)
53. (5) 54. (2) 55. (2) 56. (5) 213. (4) 214. (4) 215. (2) 216. (2) 13. (4) 14. (2) 15. (2)

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 SYNONYMS & ANTONYMS (RELATIVE)
So, su ff u se m ean s sp read an d So, c u r t an d g r a c i o u s a r e
INSURANCE EXAMS depl et e means redu ce or shrink . antonymou s.
Hen ce th ey are an ton ymou s. 10. (1) Di v er gen ce an d con fl u en ce
1. (3) 2. (4) 3. (2) 4. (1) 3. (2) Del ect abl e (Adjective) m ean s are an tonymou s.
5. (3) 6. (1) 7. (4) 8. (3) deligh tfu l; pleasan t : a delectable Con flu en ce m eans meeting place
meal. or u n ion.
9. (2) 10. (2) 11. (1) 12. (3) For exam ple, 11. (2) halt
13. (3) 14. (4) 15. (3) 16. (3) What a delectable little girl ! 12. (1) continu ou s
So, delect abl e and ch arm i n g are 13. (4) agree with
17. (1) 18. (4) 19. (2) 20. (4)
synon ym ou s words.
14. (3) scarcely 15. (3) Exch an ge
21. (4) 22. (1) 23. (3) 24. (1) 4. (4) Ben ev ol en t (Adjective) m eans
16. (4) Existed 17. (3) Attack
doin g good rath er th an m ak in g
25. (4) 26. (3) 27. (4) 28. (2) profit; ch aritable. 18. (2) Bu yer 19. (1) Minimal
29. (1) 30. (4) 31. (2) 32. (1) For exam ple, 20. (2) A-C 21. (1) A-B
l ben evolen t in stitu tion/ society/ 22. (3) A-D 23. (5) A-C
33. (2) 34. (1) 35. (2) 36. (1)
fu n d. 24. (1) A-C 25. (4) B-D
37. (2) 38. (3) 39. (1) 40. (4) Hen ce, ben ev o l en t an d c h ar i - 26. (5) B-C 27. (2) B-C
41. (3) 42. (1) 43. (2) 44. (3) t abl e are perfectly syn on ym ou s. 28. (3) C-D 29. (5) A-D
45. (2) 46. (3) 47. (4) 48. (2) 5. (3) I n t ol er an t an d er u dan t are 30. (5 ) Th e wor d br i sk l y (Ad ver b )
an ton ymou s words so the answer
49. (2) 50. (2) 51. (2) 52. (1) m ean s q u i ck l y . I t s an t on y m
is (3).
sh ou ld be sl owl y .
53. (2) 54. (4) 55. (1) 56. (2) 6. (5) Spout (Nou n) means
31. (4) Th e word boost (verb) m ean s
(i) projectin g pipe or tu be th rou gh
57. (1) 58. (3) 59. (4) 60. (4) : m ak e som eth in g in crease, be-
or from wh ich liqu id pou rs, for
61. (3) 62. (4) 63. (3) 64. (3) com e better or m ore su ccessfu l.
exam ple for carryin g rain water
Th er efor e, t h e an t on ym of t h e
65. (4) 66. (4) 67. (3) 68. (2) from a roof or tea from a teapot.
word bo ost ed sh ou ld b e dam -
(ii) jet of liqu id coming ou t with great
69. (4) 70. (4) 71. (3) 72. (2) aged.
force.
73. (4) Spou t when u sed as Verb m ean s 32. (2 ) T h e w o r d Pl u n g e (v er b )
(of a liqu id) com e ou t with great m ean s decrease (in prices, tem -
force. p er at u r es et c.) su d d en l y an d
EXPLANATIONS So, spou t an d ej ect are syn on y- qu ick ly.
mou s. Th er efor e t h e an t on y m of t h e
7. (4 ) Here t h e wor ds t h r i v e an d w or d Pl u n ged sh ou l d b e i n -
NATIONALISED BANKS cr eased.
flou r i sh are syn onym ou s.
& IBPS PO/MT/SO Fl o u r i sh (Ver b) m ean s be su c- 33. (3) Th e word bu oy an t (Adjective)
cessfu l , ver y act i ve, or w i d e- m ean s : ten di n g t o i n crease or
1. (1) Pr ol i x (Adjective) m ean s (of a spread, prosper, grow h ealth y. stay at a h i gh l evel (of pr i ces,
sp eech , wr i t er, et c.) u si n g t oo b u sin ess act i vi ty et c.), u su all y
For exam ple,
m an y words and so borin g to lis-
No n ew bu sin ess can flou rish in s h ow i n g f i n a n c i a l su c c es s .
ten to or read : a prolix speak er.
th e presen t econ omic climate. Th erefore its syn on ym shou ld be
Her style is tediou sly prolix. u pbeat .
8. (2) Lu r k (Verb) m ean s be or stay
Prol i x i t y is th e Nou n form of th e
h idden , especially wh en waitin g 34. (4) Th e word Spu r (verb) m ean s
word prolix.
to attack , wait n ear a place try- t o en cou r age som eb od y t o d o
So, th e word pr ol i x i t y and br ev -
in g not to attract attention ; linger som eth in g or to en cou rage th em
i t y are clearly anton ym ou s.
with ou t bein g clearly sh own . to t ry h ar der to ach ieve som e-
B r ev i t y m ean s sh or t n ess or
So, l u r k an d h i d e are syn on y- th in g. Th erefore, th e syn on ym of
briefn ess; con cisen ess.
mou s. t h e wor d sp u r r ed sh ou l d b e
For exam ple,
9. (3) l Del i ri ous (Adjective) m ean s st i m u l at ed.
He is very fam ou s for th e brev-
very excited an d h appy. 35. (5 ) Th e wor d sk ep t i c (Nou n )
ity of h is speech es.
l Co n f l u en t (Ad ject ive) m ean s m ean s a p er son wh o u su al l y
2. (5) Su ffu se (verb) m ean s spread
flowin g or comin g together, u nit- dou bts that claims or statements,
all over som eth ing.
ing. especially th ose that oth er people
For exam ple,
l Cu r t (Adjective) m ean s ru dely believe in. So its synonym shou ld
Th e even i n g sk y was su ffu sed brief; abru pt : a cu rt an swer. be an al y st .
with crim son .
l Gr ac i o u s (Ad j ect i ve) m ean s 36. (5) Th e m ean in g of th e word i n -
D ep l et e (ver b ) m ean s r ed u ce k i n d , p o l i t e a n d gen er ou s ; cu m ben t (Adjective) as u sed in
greatly th e qu an tity, size, power m ark ed by lu xu ry, elegan ce an d th e passage is : h avin g an official
or valu e of (som ethin g). leisu re. position.
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H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-393-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310

Look at t h e sen t en ce :
Th e in cu m ben t presiden t took a
drastic decision to im pose em er -
gen cy.
Hen ce, th e words offi ci ou s an d
i n cu m ben t are syn onym ou s.
37. (3) Th e m ean in g of th e word pl oy
(Nou n ) as u sed in th e passage is :
words or action s th at are carefu l-
ly plan n ed to get an advan tage
over som ebody else; m an oeu vre.
Look at t h e sen t en ce :
It was all a ploy to distract atten -
tion from h is real aim s.
H en ce, t h e w or d s r u se s an d
pl oy s are syn on ym ou s.
38. (3) Th e m ean in g of th e word ag-
gr i ev ed (Adjective) as u sed in th e
passage is : feelin g th at you h ave
been tr eated u n fairl y; su ffer in g
u n fair or il legal tr eatm en t an d
m ak ing a com plaint.
Ou t of th e given altern atives, th e
word offen si v e m ean s : extrem e-
ly u n pleasan t.
Hen ce, th e words aggr i ev ed an d
offen si v e are syn on ymou s.
39. (1) The mean ing of th e word plet h -
ora (Nou n ) as u sed in th e passage
is : an am ou nt that is greater than
wh at is requ ired; excess.
Ou t of th e given altern atives, th e
word dear t h m ean s : a lack of
som eth in g; scarcity.
Look at t h e sen t en ce :
Th ere was a dearth of reliable in -
form ation on th e su bject.
Hen ce, th e words pl et h or a an d
dear t h are an ton ym ou s.
40. (2) Th e m ean in g of th e word M er -
i t (Verb) as u sed in th e passage
is : to do som eth in g to deserve
praise, atten tion ; deserve.
Look at t h e sen t en ces :
He claim s th at th eir su ccess was
n ot m erited.
Th e case does n ot m erit fu rth er
in vestigation.
Hen ce, the words u n qu al i fi ed for
an d m er i t ed are an ton ymou s.
41. (4) The meaning of th e word wai ve
is : to choose not to demand some-
th in g in a particu lar case, even
th ou gh t you h ave a legal or offi-
cial righ t to do so : for go.
Th e word pu rsu e ‘m eans : to con -
tin u e to discu ss.
Hen ce, the words wai v e an d pur -
su e are an ton ymou s.
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H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
SYNONYMS & ANTONYMS (RELATIVE)
42. (1) Th e word con t r ar y m ean s :
op posi t e; d i ffer en t from som e-
th in g; against som eth in g.
The word com pat i ble means : able
to exist togeth er with ou t cau sin g
problem s.
Hen ce, t h e words con tr ary an d
com patible are antonym ou s.
43. (5) Th e word pl i abl e (Adjective)
m ean s : easy to b en d wi t h ou t
break in g; flexible.
44. (5) Th e words con fi r m an d en -
dor se are syn on ym ou s.
Th e w or d con fi r m m ean s : t o
m ak e a posi tion , an agreem en t
etc. m ore defin ite or official; to
estab li sh som eb ody/ som eth i n g
firm ly.
45. (2) Th e words r et al i at e an d r e-
ci pr ocat e are synon ym ou s.
46. (5) Th e m ean in g of the word M ar -
gi n al (Adjective) as u sed in th e
passage is : sm all an d n ot im por -
tan t; sligh t.
Look at t h e sen t en ce :
Th e story will on ly be of m argin al
in terest to ou r readers.
Hen ce, th e words m ar gi n al an d
i n si gn i fi can t are synon ym ou s.
47. (4) The m eaning of the word Fau lt
(Verb) as u sed in th e passage is :
to fin d a m istak e or a weak n ess
in somebody/ somethin g; criticise;
blame.
Look at t h e sen t en ces :
His colleagu es cou ld n ot fau lt h is
dedication to th e job.
He h ad always been polite, you
cou ldn ’t fau lt h im on th at.
H en c e, t h e w or d s f a u l t an d
bl am e are syn on ym ou s.
48. (2) Th e m ean in g of th e word Di r e
(Adjective) as u sed in th e passage
is : very seriou s; very bad.
Look at t h e sen t en ces :
The firm is in dire straits an d may
go ban k ru pt.
His acti n g in th e situ ation was
dir e.
Th e word Al ar m i n g (Adj ecti ve)
m ean s; cau sin g worry an d fear.
Look at t h e sen t en ce :
Th e rain forests are disappearin g
at an alarm in g rate.
Hen ce, the words di re an d al ar m -
i n g are syn on ymou s.
49. (1) Th e m ean in g of th e word Po-
t en t i al (Adjective) as u sed in th e
passage is : th at can develop in to
som eth in g or be developed in th e
fu tu re; possible.
Look at t h e sen t en ce :
First we n eed to iden tify actu al
an d poten tial problem s.
Ou t of th e given altern atives, th e
word Un li k ely (Adjective) m ean s;
not lik ely to h appen ; not probable.
Look at t h e sen t en ces :
Th e project seem ed u n li k ely to
su cceed.
It is m ost u n lik ely th at sh e will
arrive before seven .
Hen ce, th e words pot en t i al an d
u n l i k el y are an tonym ou s.
50. (5) Th e mean ing of th e word i n i q-
u i t ou s (Adjective) as u sed in th e
passage is : very u n fair or wron g;
wi ck ed.
Hen ce, th e words i n i qu i t ou s an d
j u st are an ton ym ou s.
51. (1) Th e m ean in g of th e word De-
par t (Ver b) as u sed in th e pas-
sage is : to beh ave in a way th at
is differen t from u su al.
Look at t h e sen t en ce :
Departin g from his u su al rou tine,
h e took th e bu s to work .
Of t h e gi ven al t er n at i ves, t h e
word Absen t (Ver b) m ean s : to
n ot go to or be in a place wh ere
you are expected to be.
Look at t h e sen t en ce :
He had absented him self from th e
office yesterday.
Hen ce, th e words depar t an d ab-
sen t are synon ym ou s.
52. (5) The m eaning of the word Pi que
(Ver b) as u sed in th e passage is :
t o m ak e som eb od y ver y i n ter -
ested in som eth in g.
Hen ce, th e words pi qu ed and fas-
ci n at ed are syn onym ou s.
53. (5) The meaning of the word Verge
(Noun ) as u sed in th e passage is :
ver y n ear to t h e m om en t wh en
som eb od y d oes som et h i n g or
som eth in g h appen s.
Look at t h e sen t en ce :
He was on th e verge of tears.
Th e com pan y is on th e verge of
sign in g a n ew con tract.
H en ce, t h e w or d s v er g e an d
t h r esh ol d are syn on ymou s.
54. (2) Th e m ean in g of th e word As-
pi r i n g (Adj ect i v e) as u sed in th e
passage is : wan tin g to start th e
car eer or act i vi t y t h at is m en -
tion ed; wan tin g to be su ccessfu l
in life.
Look at t h e sen t en ce :
Aspiring mu sicians need hou rs of
practice everyday.
-394-

He cam e from an aspirin g work -
in g-class back grou n d.
Hen ce, th e words aspi r i n g an d
u n i n t er est ed are synon ym ou s.
55. (2) The m ean in g of th e word Cor e
(Adj ect i v e) as u sed in th e pas-
sage is : th e m ost im portan t or
cen tral part of som eth in g.
Look at t h e sen t en ce :
Con cern for th e en viron m en t is
at th e core of ou r politics.
Hen ce, th e words cor e an d u n -
n ecessar y are an tonym ou s.
56. (5) Th e m ean in g of th e word En -
dowm en t s (Nou n ) as u sed in th e
passage is : gifts; m on ey th at is
given to an in stitu tion ; a qu ality
or an ability th at you are born
with .
Hen ce, th e words en dow m en t s
an d gi ft s are syn on ym ou s.
57. (2) Th e m ean in g of th e word Or i -
en t (Verb) as u sed in th e passage
is : to direct somebody/ som ething
towards som eth i n g; to m ak e or
adapt som ebody/ som eth ing for a
particu lar pu rpose.
Look at t h e sen t en ces :
St u d en ts of today ar e or ien t ed
towards scien ce su bjects.
Th ey ru n a com m ercially orien t-
ed operation .
Hen ce, th e words or i en t ed an d
di r ect ed are syn on ymou s.
58. (5) Th e m ean in g of th e word Con -
v en t i on al (Adj ect i v e) as u sed in
th e passage is : ten din g to follow
wh at is don e or con sid ered ac-
cep tabl e b y soci ety i n gen er al ;
following what is traditional or the
way som eth ing h as been don e for
a lon g tim e.
Look at t h e sen t en ces :
H e i s very con ven ti on al in h i s
views.
It is n ot an era of con ven tion al
scien tific m eth ods.
Hen ce, th e words con v en t i on al
and t r adi t i on al are syn onymou s.
59. (2) Th e m ean in g of th e word Cr u -
ci al (Adj ect i v e) as u sed in th e
passage is : extrem ely im portan t;
becau se it will affect other th in gs;
critical; essen tial.
Look at t h e sen t en ces :
Win n in g th is con tract is cru cial
to th e su ccess of th e com pan y.
Par en t s p l ay a cr u ci al r ol e i n
sh apin g th e of th eir ch ildren .
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H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
SYNONYMS & ANTONYMS (RELATIVE)
Ou t of th e given altern atives, th e
word T r i v i al (Adj ect i v e) m ean s :
insign ifican t; n ot worth con sider -
in g; n ot im portan t or seriou s.
Look at t h e sen t en ce :
It seem s trivial, bu t I am worried
abou t it.
H en ce, t h e wor ds c r u c i al an d
t r i v i al are an ton ymou s.
60. (1) Th e m ean in g of th e word Pi v -
ot al (Adj ect i v e) as u sed in th e
passage is : of great im portan ce
becau se oth er th in gs depen d on
it.
Look at t h e sen t en ce :
Sachin plays a pivotal role in win -
n in g a Test.
Ou t of th e given altern atives, th e
w or d I r r e l e v a n t (A d j e c t i v e)
m ean s : n ot im portan t to or con -
n ected with a situ ation .
Look at t h e sen t en ce :
Th at eviden ce is irrelevan t to th e
case.
Hen ce, th e words pi v ot al an d i r -
r el ev an t are an tonym ou s.
61. (3) Th e m ean in g of th e word Par -
i t y (Nou n ) as u sed i n th e pas-
sage is : th e state of bein g equ al
Look at t h e sen t en ce :
Police force are dem an din g pay
parity with th e prison officers.
Hen ce, th e words par i t y an d i n -
equ al i t y are an ton ym ou s.
62. (2) Th e m ean i n g of t h e w o r d
I n fr i n ge (Ver b) as u sed in t h e
passage is : to break a law or ru le:
to lim it som ebody’s legal righ ts.
Look at t h e sen t en ces :
T h e m a t er i al c an b e c o p i ed
with ou t infringin g copyrigh t.
Sh e refu sed to an swer qu estion s
t h at i n fr i n ged on h er p r i vat e
affair s.
Of th e given altern ative, th e word
Vi o l at e m ean s : t o agai n st or
r ef u s e t o o b ey a l a w , a n
agreem en t etc; to distu rb or n ot
r esp ect som eb od y ’s p eace or
privacy.
Hen ce, th e words i n fr i n gi n g an d
v i ol at i n g are syn on ymou s.
63. (3) Th e m ean i n g of t h e w o r d
Fr equ en cy (Noun ) as u sed in th e
p assage i s : t h e r at e at wh i ch
s o m et h i n g h a p p en s o r i s
rep eated.
Look at t h e sen t en ces :
F at a l r o a d a c ci d en t s h a v e
d ecr eas ed i n fr eq u en cy ov er
recen t years.
Objects lik e th is tu rn u p at sales
with su rprisin g frequ en cy.
Th e wor d Rec u r r en c e (Nou n )
m ean s : if th ere is a recu rren ce
of som eth in g, it h appen s again .
Look at t h e sen t en ces :
At t em p t s ar e b ei n g m ad e t o
p r ev en t a r ec u r r en c e o f t h e
problem .
Hen ce, th e words fr equ en cy an d
r ecu rr en ce are syn on ymou s.
64. (4) Th e m ean in g of th e word Pr e-
em pt i v e (Adj ect i v e) as u sed in
t h e p assage i s : d on e t o st op
somebody tak ing action .
Look at t h e sen t en ces :
Th e police were able to tak e pre-
em p t i v e a c t i o n a n d a v o i d a
possible riot.
Hen ce, th e wor ds pr e-em pt i v e
and preven t i v e are syn onymou s.
65. (2) Th e m ean i n g of t h e w o r d
Let h ar gi c (Adj ect i v e) as u sed in
th e passage is : th e state of n ot
h avin g any en ergy or en th u siasm
for doing th in gs; inactive; in ertial.
Look at t h e sen t en ces :
Th e weath er m ade h im leth argic.
Hen ce, th e words l et h ar gi c an d
act i v e are an ton ym ou s.
66. (4) Th e m ean i n g of t h e w o r d
Di sm al (Adject i v e) as u sed in th e
passage is : cau sin g or sh owin g
sadn ess, gloom y, m iserable; n ot
sk ilfu l or su ccessfu l.
Look at t h e sen t en ces :
Th e recen t att em pt to i n cr ease
p r od u cti on h as been a d i sm al
failu re.
T h e s i n ger ga ve a d i s m a l
perform an ce of old son gs.
Th e word An i m at ed (Adj ect i v e)
m ean s : fu l l of i n t er es t a n d
en ergy; lively.
H en ce, t h e wor d s d i sm al an d
an i m at ed are anton ymou s.
67. (2) Th e m ean in g of th e word As-
su r ed (Adj ect i v e) as u sed in th e
passage in ; (con fiden t in you rself
an d you r abilities; certain to hap-
pen ; gu aran teed).
Look at t h e sen t en ces :
Ram ’s su ccess seem s assu red.
You are assu red of a war m wel-
com e at th is h otel.
-395-

Hen ce, t h e words assu r ed an d
defi n i t e are syn onym ou s.
68. (1) Th e m ean in g of th e word Re-
l i ev e (Ver b) as u sed in passage
is; (to rem ove or redu ce an u n -
pleasan t feelin g or pain ; alleviate;
to m ak e a problem less seriou s;
to help somebody by tak ing som e-
t h i n g h eavy or d i ffi cu l t fr om
th em ).
Look at t h e sen t en ces :
Efforts are brin g m ade to relieve
povert y.
Being able to tell the tru th at least
seem ed to relieve h er.
Th e word Ex em pt (v er b) m ean s;
(to give or get som e body’s official
perm ission n ot to do som eth in g
or not to pay something they wou ld
n orm ally h ave to do or pay).
Look at t h e sen t en ce :
In 2006, ch arities were exem pt-
ed from payin g th e tax.
Hen ce, th e words Rel i ev ed an d
ex em pt ed are syn on ymou s.
69. (4) Th e m ean in g of th e word Gap
(Nou n ) as u sed in th e passage is;
(a differen ce th at separates peo-
ple or th eir opin ion s; a space be-
tween two th in gs).
Hen ce, th e words gap an d di f-
fer en ce are syn onym ou s.
70. (3) The mean ing of th e word Ti m e-
l y (Adj ect i v e) as u sed in th e pas-
sage; (hapening at exactly the right
tim e; opportu n e).
Look at t h e sen t en ce :
A n asty in ciden t was preven ted
by the tim ely arrival of th e police.
Of t h e gi ven al t er n at i ves, t h e
word ov er du e (Adject i v e) mean s;
(n ot paid, don e, retu rn ed by th e
requ ired or expected tim e; th at
sh ou ld h ave h appen ed or b een
don e before n ow).
Look at t h e sen t en ce :
Her baby is two week s overdu e.
H en ce, t h e wor d s t i m el y an d
ov erdu e are an ton ym ou s.
71. (5) Th e mean in g of th e word Eli m -
i n at i on (Nou n) as u sed in the pas-
sage; (rem oval ; k n ock ing ou t; get-
tin g rid of som eth in g/ som ebody).
Look at t h e set en ce :
Th ere were th ree elim in ation s in
the first rou n d of th e com petition .
H en ce, t h e word s el i m i n at i o n
an d prot ect i on are an ton ym ou s.
72. (3) Th e meaning of the word Mori -
bu n d (Adj ev t i v e) as u sed in th e
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SYNONYMS & ANTONYMS (RELATIVE)
passage is : n o lon ger effecti ve
an d abou t to com e to an en d com-
pletely; in a very bad con dition ;
dying.
Of t h e gi ven al t er n at i ves, t h e
word Th ri vi n g (Adj ect i ve) means
becom in g an d con tin u in g to be
su ccessfu l, stron g, h ealt h y etc;
flou rish in g.
Look at t h e sen t en ces :
New b u si n esses t h r i ve i n t h i s
area.
These animals rarely thrive in cap-
tivity.
Hen ce, th e words m or i bu n d an d
t h r i v i n g are an tonym ou s.
73. (1) Th e m ean in g of th e word Be-
l eaguer ed (Adject i v e) as u sed in
th e p assage i s : experien ci n g a
lot of crit icism an d di fficu lti es;
su rrou n ded by an en em y.
Look at t h e sen t en ce :
Th e beleagu ered party leader was
forced to resign .
H en ce, th e wor ds bel eagu er ed
an d car efr ee are an tonym ou s.
74. (5) The m ean ing of th e word Rau -
cou s (Adj ect i v e) as u sed in th e
passage is : sou n din g lou d an d
rou gh ; aggressive.
Hen ce, th e wor ds r au cou s an d
soft are an ton ym ou s.
75. (2) Th e m ean i n g of t h e w o r d
Apocal y pt i c (Adj ect i v e) as u sed
in th e passage is : describin g very
seriou s dam age an d destru ction
in past or fu tu re; lik e th e en d of
th e world.
H en ce, t h e word s ap o c al y p t i c
an d di sast r ous are syn on ym ou s.
76. (4) Th e m ean in g of th e word Re-
su sci t at e (Ver b) as u sed in th e
passage is : to m ak e som ebody
start breath in g again or becom e
con sciou s again after th ey h ave
alm ost died; revive.
Look at t h e sen t en ce :
He h ad a h eart attack an d all at-
tem pts to resu scitate h im failed.
Hence, th e words resusci t at e and
sav e are syn on ym ou s.
77. (1) Th e m ean i n g of t h e w o r d
Fr en zy (Noun ) as u sed in the pas-
sage is : a state of great activity
an d stron g em otion th at is often
violen t or frigh ten in g and n ot u n -
der con trol.
Look at t h e sen t en ce :
Th e speak er wor k ed th e crowd
u p in to a fren zy.
Hence, the words fr en zy and Pas-
si on are syn on ym ou s.
78. (1) Th e w or d E c st asy (No u n )
m ean s : a feelin g or state of very
great h appin ess; bliss.
Th e word Depr essi on (Nou n ) as
m ean s : th e state of bein g very
sad an d with ou t h ope.
Hen ce, th e words ecst asy and de-
pr essi on are an tonym ou s.
79. (5) Th e word T r an qu i l i t y (Nou n )
m ean s : peace, seren ity.
word Upr oar (Nou n ) m ean s : a
situ ation in wh ich people sh ou t
an d m ak e a lot of n oise; ou tcry.
Hen ce, th e words t r an qu i l i t y an d
u pr oar are an tonym ou s.
80. (3) Th e word Vi l i fi cat i on (Nou n )
m ean s : sayi n g or wr i ti n g u n -
pleasant th in gs abou t som ebody/
someth in g ; m align ancy.
Th e word Den i gr at i o n (No u n )
m ean s : criticism .
Hen ce, v i l i fi cat i on an d den i gr a-
t i on are syn onym ou s.
81. (4) Th e word Opaqu e (Adj ect i v e)
m ean s : n ot clear en ou gh to see
th rou gh or allow ligh t throu gh .
Th e wor d T r an spar en t (Ad j ec-
t i v e) m ean s : allowin g you to see
th rou gh it.
H en ce, th e wor ds o paq u e an d
t ran spar en t are an ton ym ou s.
82. (4) The word Ex pedi t i ou s (Adjec-
t i v e) m ean s : t h at wor k s wel l
withou t wasting time, m on ey, etc.
efficien t.
H en ce, th e wor ds ex ped i t i o u s
an d qu i ck are syn on ym ou s.
83. (5) Th e m ean in g of th e word Bli s-
t er i n g (Adj ect i v e) as u sed in th e
p assage i s : d on e ver y fast or
wit h gr eat en ergy; very cri ti cal
scorch in g; bak in g.
Look at t h e sen t en ces :
Th e ru n n rs set off at a blisterin g
pace.
He is a scorch in g critiqu e of gov-
ern m en t’s econ om ic policy.
Hen ce, th e words bl i st er i n g an d
scor ch i n g are syn onym ou s.
84. (3) Th e m ean in g of th e word Woe
(Nou n ) as u sed in th e passage is :
th e trou bles an d problem s th at
som eb od y h as; great u n h ap pi -
n ess; m isery.
Look at t h e sen t en ces :
H e i s su ffer i n g fr om fi n an ci al
woes.
-396-

Th an k s for listen in g to m y woes.
Hen ce, th e words woes an d m i s-
er i es are synon ym ou s.
85. (4) Th e m ean in g of th e word De-
c el er at e (Ver b) as u sed i n th e
passage is : to redu ce th e speed;
slowdown .
Look at t h e sen t en ces :
E con om i c gr owt h d ecel er at ed
sh arply in May 2008.
Hen ce, th e words deceler at e an d
sl ow down are syn on ym ou s.
86. (1) Th e m ean in g of th e word Un -
v ei l (Ver b) as u sed in th e pas-
sage is : to sh ow or in trou dce a
n ew plan, produ ct etc. to the pu b-
lic for th e first tim e; reveal.
Look at t h e sen t en ces :
Govern m en t u n vei led st im u l u s
plan s to overcom e econ om ic slow
down .
Tat a u n vei l ed n ew m od el s of
Nan o.
Of t h e gi ven al t er n at i ves, t h e
word Con ceal (Ver b) m ean s : to
h ide som ebody/ someth in g.
Look at t h e sen t en ce :
For a lon g time his death was con-
cealed from Ram esh .
Hence, the words Un vei l and con -
ceal are an ton ym ou s.
87. (2) Th e m ean in g of th e word Di r e
(Adj ect i v e) as u sed in th e pas-
sage is : very seriou s; very bad.
Look at t h e sen t en ces :
We are in dire n eed of you r h elp.
Th is firm is in dire straits an d m ay
go ban k ru pt.
Hen ce, th e words di r e an d won -
der fu l are an ton ymou s.
88. (5) Th e m ean in g of th e word M o-
m en t ou s (Adj ect i v e) as u sed in
th e passage is : very im portan t
or seriou s; h istoric.
Look at t h e sen t en ces :
A world cu p win is a m om en tou s
even t.
Of th e given altern atives th e word
T r i v i al (Adj ect i v e) m ean s : n ot
seriou s or im portan t.
Look at t h e sen t en ces :
I k n ow it sou n ds trivial, bu t I am
worried abou t it.
H en ce, th e word s m om en t o u s
an d t r i v i al are an ton ym ou s.
89. (3) Th e mean in g of the word Fu el
(Ver b) as u sed in th e passage is :
to in crease som eth in g; to m ak e
som eth in g stron ger; stok e.
Look at t h e sen t en ce :
Salaries h elped to fu el inflation .
T h e w o r d St i m u l a t e (Ve r b )
m ean s : to m ak e som eth in g de-
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SYNONYMS & ANTONYMS (RELATIVE)
velop or becom e m ore active; to
encou rage som eth ing.
Look at t h e sen t en ce :
Th e article can be u sed to stim -
u late discu ssion am ong stu den ts.
Hen ce, th e words fu el l i n g an d
st i m u lat i n g are syn onymou s.
90. (1) The meaning of the word Den t
(Nou n ) as u sed in th e passage is
: r ed u ct i on i n t h e am ou n t of
som ethin g, especially m on ey.
Look at t h e sen t en ce :
Th e l awyer ’s fees wi l l m ak e a
den t in ou r finan ces.
Hen ce, th e words den t an d r e-
duct i on are syn on ymou s.
91. (5) Th e m ean in g of th e word De-
cel er at ed (Ver b) as u sed in th e
passage is : to cau se som ebody
t o l ear n an d r em em b er i d eas,
etc. especially by repeatin g th em
oft en .
Look at t h e sen t en ce :
I will try to in cu lcate a sen se of
responsibility in h im .
Hen ce, th e words i n cu l cat e an d
i n st i ll are syn onym ou s.
92. (2) Th e meaning of the word Con -
v er sel y (Adv er b) as u sed in th e
passage is : in a way th at is op-
posite or reverse of som eth in g.
Look at t h e sen t en ce :
You can add th e flu id to th e pow-
der, or, con versely th e powder to
th e flu id.
Of t h e gi ven al t er n at i ves, t h e
word Si m i l ar l y (Adv er b) m ean s
: in alm ost th e sam e way.
Look at t h e sen t en ce :
Hu sban d an d wife were sim ilar -
ly su ccessfu l in th eir ch osen ca-
r eer s.
H en ce, t h e w or d s c o n v er sel y
an d weak en are anton ym ou s.
93. (4 ) Th e m ean i n g of t h e wor d
Weak en (Ver b) as u sed i n t h e
passage is : to m ak e som ebody/
som eth in g less stron g or power -
fu l.
Look at t h e sen t en ce :
Th e team h as been weak en ed by
inju ry.
Of t h e gi ven al t er n at i ves, t h e
word Bo ost (Ver b) m ean s : t o
m ak e som eth in g in crease or be-
com e better or m ore su ccessfu l.
Look at t h e sen t en ces :
Gettin g th at job did a lot to boost
h is ego.
T h e m ov i e h el p ed b o os t h i s
screen career.
Hen ce, t h e wor ds weak en an d
boost are an ton ym ou s.
94. (3) Th e m ean in g of th e word Ca-
t er (Ver b) as u sed in th e passage
is : to provide th e th in gs th at a
particu lar type of person wan ts.
Look at t h e sen t en ce :
Th ey on ly pu blish n ovels wh ich
cater to th e m assm ark et.
Hen ce, th e words cat er i n g an d
su ppl y i n g are syn on ymou s.
95. (5) Th e m ean in g of th e word K ey
(Adj ect i v e) as u sed in th e pas-
sage is : m ost im portan t; essen -
tial; critical; vital.
Look at t h e sen t en ce :
He played a k ey role in th e dis-
pu te.
Hen ce, th e word s k ey an d i m -
por t an t are syn on ymou s.
96. (2) Th e m ean in g of th e word Ag-
gr essi v e (Adj ect i v e) as u sed in
th e passage is : actin g with force
and determination in order to su c-
ceed .
Look at t h e sen t en ce :
A good sales person h as to be ag-
gressi ve i n t od ay’s com pet it ive
m ark et.
Hen ce, th e words aggr essi v e an d
det er m i n ed are syn onym ou s.
97. (5) The m ean ing of th e word Pr os-
perou s (Adj ect i v e) as u sed in th e
passage is : rich an d su ccessfu l;
afflu en t.
Th e word Un der pr i v i l eged (Ad-
j ect i v e) mean s : havin g less m on -
ey an d fewer opportu n ities th an
oth ers; disadvan taged.
H en ce, t h e wor d s p r o sp er o u s
an d u n der pr i v i l eged are an tony-
mou s.
98. (1) Th e m ean in g of th e word Con -
su m e (Ver b) as u sed in th e pas-
sage is : to u se som eth in g.
Hence, th e words con sum i n g and
dest r oy i n g are an tonym ou s.
99. (1) Th e meaning of the word Sur ge
(Nou n ) as u sed in th e passage
is : a su dden in crease of feelin g;
a su dden in crease in the am ou nt.
Look at t h e sen t en ce :
We are h avin g trou ble k eepin g u p
with th e recen t su rge in dem an d.
Hen ce, th e words Su r ge an d de-
cr ease are antonym ou s.
100. (1) The word Un i t e (Verb) means :
to join together with other people in
order to do something as a grou p.
Th e word Separ at e (Verb) m ean s :
t o d i vi d e t h i n gs i n t o d i ffer en t
parts or grou ps.
-397-

Hen ce, th e words u n i t e an d sep-
ar at e are antonym ou s.
101. (4) Th e word Ex pl i ci t (Adj ect i v e)
m ean s : clear an d easy to u n der -
stan d.
Hen ce, th e words ex pl i c i t an d
cl ear are syn on ymou s.
1 0 2 . (2) Th e word H ost i l e (Adj ect i v e)
m ean s : very u n fri en dly or ag-
gressive an d ready to figh t or ar -
gu e.
Th e word Am i cabl e (Adj ect i v e)
m ean s : don e or ach ieved in a
polite or frien dly way an d with -
ou t argu ing.
H en ce, t h e wor ds h o st i l e an d
am i cable are an ton ym ou s.
1 0 3 . (3) Th e word Bar bar ou s (Adj ec-
t i v e) m ean s : u n civilized; sh ow-
in g a lack of edu cation an d good
m an n ers.
Hen ce, th e words bar bar ou s an d
ci v i li zed are an ton ym ou s.
1 0 4 . (5) Th e word Pr om i n en t (Adj ec-
t i v e) m ean s : im portan t an d well
k n own .
Th e wor d Sal i en t (Ad j ec t i v e)
m ean s : m ost im portan t an d n o-
ticeable.
Hen ce, th e words prom i n en t an d
sal i en t are syn on ymou s.
105. (5 ) Th e m ean i n g of t h e wor d
Sh r ewdl y (Adver b) as u sed in th e
passage is : u n derstan din g an d
m ak in g ju dgem ents abou t a situ -
ation cleverly; astu tely; sh owin g
good ju dgem en t.
Hen ce, th e words sh r ewdl y an d
ast u t el y are synon ym ou s.
106. (1) The m eaning of the word Ch ase
(Ver b) as u sed in th e passage is :
to ru n after somebody/ som ething
in order to catch th em ; to try to
obtain or ach ieve som eth in g.
Look at t h e sen t en ce :
Too many m en are chasing too few
jobs n owadays.
Hen ce, th e words ch ase an d fol -
l ow are syn on ym ou s.
107. (3) Th e m ean in g of th e word El u -
si v e (Adj ect i v e) as u sed in th e
passage is : difficu lt to fin d, de-
fin e or ach ieve; u n ach ievable
Look at t h e sen t en ce :
A solu tion to th e problem of toxic
waste is provin g elu sive.
H en ce, t h e wor d s el u si v e an d
u n ach i ev abl e are syn onym ou s.
108. (4) Th e m ean in g of th e word De-
j ect ed (Adj ect i v e) as u sed in
the passage is : u n h appy an d dis-
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SYNONYMS & ANTONYMS (RELATIVE)
appoin ted; despon den t.
Look at t h e sen t en ce :
He look ed so dejected wh en h e
lost th e gam e.
Of t h e gi ven al t er n at i ves, t h e
word Elat ed (Adj ect i v e) means :
very h appy an d excited becau se
of som eth in g good th at h as h ap-
pen ed.
Look at t h e sen t en ce :
Th ey were elated at th e resu lt.
Hen ce, th e words dej ect ed an d
el at ed are an ton ym ou s.
109. (2) Th e m ean in g of th e word Un -
bri dl ed (Adj ect i v e) as u sed in th e
passage is : n ot con trolled an d
th erefore extrem e.
Hen ce, th e words u n br i dl ed an d
con t r ol l ed are an ton ym ou s.
110. (5) Th e m ean in g of th e word M o-
m en t ar y (Adj ect i v e) as u sed in
th e passage is : lastin g for a very
sh ort tim e; brief.
Of t h e gi ven al t er n at i ves, t h e
w or d Pe r p e t u a l (A d j e c t i v e )
m ean s : con tin u in g for a lon g pe-
riod of tim e withou t in terru ption ;
con tinu ou s.
Look at t h e sen t en ce :
We lived for years in a perpetu al
state of fear.
H en ce, t h e wor ds m o m en t ar y
an d per pet u al are an ton ym ou s.
1 1 1. (3) The m ean ing of th e word Pace
(Nou n ) as u sed in th e passage is
: th e speed at wh ich som eth in g
h appen s.
Look at t h e sen t en ce :
It is difficu lt to k eep u p with th e
rapid pace of ch an ge.
Hen ce, th e words pace an d r at e
are synon ym ou s.
112. (3 ) Th e m ean i n g of t h e wor d
Con v i ct i on (Noun ) as u sed in th e
passage is : a stron g opin ion or
belief
Look at t h e sen t en ce :
H e w a s m o t i v a t ed b y d eep
religiou s conviction .
Hen ce, the words con vi ct i on and
bel i ef are syn on ym ou s.
113. (1) Th e mean in g of the word Dri ve
(Ver b) as u sed in th e passage is :
to force som ebody/ som eth in g to
m ove in a particu lar direction ; to
influ ence somebody/ something or
cau se to m ak e progress.
Look at t h e sen t en ce :
Th is i s t h e m ain factor dr ivi n g
in vestm en t in th e area.
Of t h e gi ven al t er n at i ves, t h e
wor d Co ax (Ver b) m ean s : t o
p er s u a d e s om eb o d y t o d o
som eth ing by talk in g to th em in a
k in d an d gen tle way; cajole.
Hen ce, the words dr i v e an d coax
are synon ym ou s.
114. (1 ) Th e m ean i n g of t h e wor d
I n n ov at e (Ver b) as u sed in th e
p assage i s : t o i n t r od u ce n ew
t h i n gs, id eas or ways of doin g
som eth in g, research .
Look at t h e sen t en ce :
We m u st con stan t ly adapt an d
in n ovate to en su re su ccess in a
growin g m ark et.
H en ce, t h e wor d s i n n o v at i n g
(A d j ec t i v e) an d r esear c h i n g
(Adj ect i v e) are syn on ym ou s.
115. (4 ) Th e m ean i n g of t h e wor d
At t r act i v e (Adject i v e) as u sed in
th e passage is : pleasan t to look
at; h avin g featu re or qu alities that
m ak e som ething seem interestin g
an d w or t h h avi n g; ap p eal i n g;
im portan t.
Th e wor d I n si gn i f i c an t
(Adj ect i v e) m ean s : n ot bi g or
valu able enou gh to be con sidered
im portan t.
Hen ce, th e words at t r act i v e an d
i n si gn i fi can t are antonymou s.
116. (3) Th e m ean in g of th e word Ri se
(Nou n ) as u sed in th e passage is :
an in crease in an am ou n t, valu e
et c.
Th e wor d R ed u c t i o n (No u n )
m ean s : a n ac t o f m a k i n g
som et h in g less or sm al ler ; th e
s t a t e o f b ei n g m a d e l es s o r
sm aller.
H en c e, t h e w o r d s r i s e a n d
r edu ct i on are an ton ym ou s.
117. (1) The meaning of the word Tough
(Adject i ve) as u sed in the passage
is : h avin g or cau sin g problem s
or difficu lties.
Look at t h e sen t en ce :
He h as been h avin g a tou gh tim e
of it lately.
Hen ce, th e words t ou gh an d soft
are antonym ou s.
118. (1 ) Th e m ean i n g of t h e wor d
Dev i o u s (Adj ect i v e) as u sed in
t h e p assage is : b eh avi n g i n a
d i sh on est or i n d i r ect way, or
t ri ck i n g peopl e i n ord er to get
som eth in g; deceitfu l; u n derhand.
-398-

Loo k at t h e sen t en c e :
He got r ich by deviou s m ean s.
Hen ce, th e words dev i o u s an d
di sh on est are syn on ym ou s.
119. (3 ) Th e m ean i n g of t h e wor d
M easu r e (Nou n ) as u sed i n t h e
passage is : an official action th at
i s d on e i n or d er t o ach i eve a
particu lar aim ; step.
Loo k at t h e sen t en c e :
Th e govern men t m u st tak e tou gh
m easu res to com bat crim e.
Hen ce, th e words m easu r es an d
st ep s ar e syn on ym ou s.
120. (2 ) Th e m ean i n g of t h e wor d
B r i d ge (Ver b ) as u sed i n t h e
passage i s : to redu ce or get r id
of t h e d i f fer en ces t h at ex i st
between two th in gs.
T h e w o r d E l i m i n a t e (Ve r b )
m ean s : to rem ove or get r id of
th e som eth in g/ som eb ody.
Loo k at t h e sen t en c e :
Cr edit cards eli m in ate th e n eed
to carry a l ot of cash .
H en ce, t h e w or d s br i d ge an d
el i m i n at e are syn on ym ou s.
121. (5 ) Th e m ean i n g of t h e wor d
Pr om ot e (Ver b) as u sed i n t h e
passage i s : to h elp som eth in g to
h appen or d evel op; en cou rage.
Th e word H am per (Ver b) mean s
: to preven t som ebody from easily
d oin g or ach i evi n g som et h in g;
h in d er.
Hence, th e words prom ot i n g an d
h am per i n g are an ton ym ou s.
122. (2 ) Th e m ean i n g of t h e wor d
No t ew o r t h y (A d j ec t i v e) as
u s ed i n t h e p a s s a ge i s :
d eser vi n g t o b e n ot i ced or t o
r ecei ve at t en t ion b ecau se it i s
im portan t; sign ifican t.
H en ce, t h e wor d s n o t ewo r t h y
an d i n si gn i f i c an t ar e
an tonymou s.
123. (2 ) Th e m ean i n g of t h e wor d
T r an spar en t (Adj ect i ve) as u sed
i n t h e p a ssa ge i s : ob vi ou s;
al l owi n g you t o see t h e t r u t h
easil y; easy to u n derstan d.
Th e wor d Op aq u e (Ad j ec t i v e)
m ean s : difficu lt to u n d erstan d;
n ot clear ; i m pen etr abl e.
H en ce, th e wor d s t r an sp ar en t
an d opaq u e are an ton ym ou s.
124. (5) Th e m ean in g of th e word I de-
al s (Nou n ) as u sed in th e pas-
sage is : an idea or stan dard th at
seem s perfect an d worth t ryin g
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SYNONYMS & ANTONYMS (RELATIVE)
to ach ieve or obtain ; a person or
th in g th at you th in k is perfect.
Hen ce, th e words i deal s an d v al -
u es are syn on ym ou s.
125. (2) Th e m ean in g of th e word Em -
br ace (Ver b) as u sed in th e pas-
sage is : to accept an idea, a pro-
posal, a set of beliefs etc. espe-
cially wh en it is done with en th u -
siasm ; to in clu de som eth in g.
Th e m ean in g of th e word Adopt
(Ver b) is : to for m all y accept a
su ggestion or policy.
Look at t h e sen t en ce :
Th e cou n cil is expected to adopt
th e n ew policy at its n ext m eet-
ing.
Hen ce, th e words em br aced an d
adopt ed are synon ym ou s.
126. (4) Th e m ean in g of th e word At -
t r act (Ver b) as u sed in th e pas-
sage is : to m ak e people h ave a
particu lar reaction; to mak e some-
body tak e part in som eth in g.
The word Fasci n at e (Verb) m eans
: to attract or in terest som ebody
very m u ch .
Hen ce, th e word s at t r act s an d
fasci n at es are synon ym ou s.
127. (3) Th e m ean in g of th e word En -
l i gh t en ed (Adj ect i v e) as u sed in
th e passage is : h avin g or sh ow-
in g an u n derstan din g of people’s
n eeds, a situ ation etc. th at is n ot
based on old fash ion ed attitu des
an d preju dice.
Th e wor d I gn or an t (Adj ect i v e)
m ean s : lack in g k n owledge or in -
form ation abou t som eth ing.
H en ce, th e word s en l i gh t en ed
an d i gn or an t are antonym ou s.
128. (1) The meaning of the word Heed-
l ess (Adj ec t i v e) as u sed in th e
passage is : n ot payin g carefu l
attention to somebody/ something.
Th e wor d Pr u d en t (Ad j ec t i v e)
m ean s : sen si b l e an d car efu l
wh en you m ak e ju dgem en ts an d
decision s.
Hen ce, th e words h eedl ess an d
pru den t are antonym ou s.
1 29 .(4) Th e m ean in g of the word ev ap-
or at e (Ver b) is : to disappear, es-
pecially by gradu ally becoming less
an d less.
Hence, th e words evaporat ed an d
v an i sh ed are synon ymou s
1 3 0 .(2) Th e m ean in g of th e word fu el
(Ver b) is : to in crease som eth in g;
to m ak e som eth in g stron ger.
Th e wor d st i m u l at e b ear s t h e
sam e mean in g
1 31 .(1) Th e m eanin g of the word fl ood
(Ver b) i s : t o b ecom e or m ak e
som eth in g becom e available in a
place in large n u m bers.
H en ce, t h e wor d s f l o o d ed an d
su r ged are syn on ymou s
13 2.(5) The mean in g of th e word sh arp
(Adj ect i v e) is : su dden an d rap-
id, especially of a chan ge in som e-
th in g.
Th e w or d gr ad u al (Ad j ec t i v e)
m ean s : h appen in g slowly over a
lon g period; n ot su dden .
H en ce, t h e w or d s s h a r p a n d
gr adu al are an tonym ou s.
1 3 3 .(3) Th e m ean in g of th e word buoy
(Ver b) is : to m ak e som ebody feel
ch eerfu l or con fiden t.
Th e word n u m b (Ver b) m ean s :
to m ak e som ebody u n able to feel,
th in k or react in a n orm al way.
H en ce, t h e wor d s bu o y ed an d
n u m bed are an tonym ou s.
134. (1) The meaning of the word Elude
(Ver b) as u sed in th e passage is :
If som eth in g el u des you , you are
n ot able to ach ieve it or n ot able
to rem em ber or u n derstan d it.
Look at t h e sen t en ce :
She was extremely tired bu t sleep
elu ded h er.
H en ce, t h e w or d el u d ed an d
av oi ded are syn on ym ou s.
135. (4) Th e m ean in g of th e word Co-
l ossal (Adj ect i v e) as u sed in th e
passage is : extrem ely large.
Look at t h e sen t en ce :
T h e si n ger ear n s a c o l o s sa l
am ou n t of m on ey.
Th e wor d F r u gal (Ad j ec t i v e)
m ean s : m eagre; sm all.
Hence, the word colossal and fr u-
gal are an ton ymou s.
136. (1) Th e mean in g of th e word, ‘Crit-
ical (Adjective)’as u sed in the pas-
sage is extrem ely im portan t be-
cau se a fu tu re situ ation will be
affected by it; cru cial; seriou s.
Hen ce, th e words cr i t i cal an d un -
i m por t an t are an tonym ou s.
137. (5) Th e mean in g of the word Fresh
(Adjective) as u sed in th e passage
is n ew; m ade or experien ced re-
cently)
Hen ce, th e word fr esh an d m od-
er n are syn on ymou s.
-399-

138. (4) The m ean in g of th e word Sur -
v ei l l an ce (Nou n ) as u sed in th e
passage is : th e act of carefu lly
watch in g a person su spected of
a crim e; observation .
Look at t h e sen t en ce :
Th e police are k eepin g th e su s-
p ect s u n d er con st an t su rvei l -
lance.
Hen ce, th e words su r v ei l l an ce
an d o bser v at i o n ar e syn on y-
mou s.
139. (3) Th e m ean in g of th e word Pre-
r equ i si t e (Nou n ) as u sed in th e
passage is : som eth ing th at m u st
exist or happen before someth in g
else can h appen or be don e; pre-
condition.
Look at t h e sen t en ce :
A degree is an essen tial prereq-
u isite for em ploym en t at this lev-
el .
Hen ce, th e words pr er eq u i si t e
an d n ecessi t y are syn on ym ou s.
140. (3) The m eaning of the word Pros-
pect s (Nou n ) as u sed in th e pas-
sage is : th e ch an ces of b ei n g
su ccessfu l ; fu tu re.
Look at t h e sen t en ce :
At 2 6 h e was an u n em p l oyed
you th with n o prospects.
141. (1) The meaning of the word Com -
m en su r at e (Adj ect i v e) as u sed
i n t h e p assage i s : m at ch i n g
som eth in g in size, im p ortan ce,
qu ality etc.
Hen ce, th e wor ds co m m en su -
rat e and m at ch are syn onymou s.
142. (1) Th e meaning of the word Li m -
i t ed (Adj ect i v e) as u sed in th e
p assage i s : n ot ver y gr eat i n
am ou n t or exten t.
Th e word abu n dan t m ean s : ex-
isting in large qu antity; more than
en ou gh.
Hen ce, th e word s l i m i t ed an d
abu n dan t are antonym ou s.
143. (2) Th e m ean in g of th e word Di f-
fer en t i al (Adj ect i v e) as u sed in
th e passage is : sh owin g or de-
p en d i n g on a d i ffer en ce; n o
equ al.
Th e word H om ogen eou s (Adj ec-
t i ve) m eans : consisting of th in gs
or people th at are all th e sam e or
all of th e sam e type.
H en ce, th e wor d s d i f f er en t i al
an d h om ogen eou s are an ton y-
mou s.
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SYNONYMS & ANTONYMS (RELATIVE)
144. (4) Th e m ean in g of th e word Vi g-
or ou sl y (Adv er b) as u sed in th e
p assage is : act i vel y; en er geti -
cally; stron gly.
H en ce, t h e wor d s v i go r o u sl y
an d soft l y are an ton ym ou s.
145. (5 ) Th e m ean i n g of t h e wor d
T h r i ft (Noun ) as u sed in the pas-
sage is : th e h abit of savin g m on -
ey an d spen din g it carefu lly.
Hen ce, th e words t h r i ft an d fr u -
gal i t y are syn onym ou s.
146. (5) Th e m ean in g of th e word Idi-
om St r i k e i t r i ch as u sed in th e
passage is : to get a lot of m on -
ey, especially su dden ly or u n ex-
pectedly.
Hen ce, th e syn on ym of st r i k e i t
sh ou ld be becom e.
147. (4) Th e m ean in g of th e word Ag-
gr essi on (Nou n ) as u sed in th e
passage is : action with force an d
det erm in ation in order to su c-
ceed .
148. (3) Th e m ean in g of th e word Ex -
pl osi on (Nou n ) as u sed in th e
passage is : a l arge su dden or
rapid in crease in th e am ou n t or
n u m ber of som eth in g; ou tbu rst.
Hen ce, th e words ex pl osi on an d
r edu ct i on are antonym ou s.
149. (5) Th e m ean in g of th e word Ab-
su r d (Adj ect i v e) as u sed in th e
passage is : ridicu lou s, n ot logi-
cal an d sen sible.
H en ce, t h e wor d s absu r d an d
r eason abl e (sen sible) are an ton -
ym ou s.
150. (3) The m eaning of the word Com -
pr eh en si v e (Adj ect i v e) as u sed
in th e passage is : in clu din g all
or alm ost all th in gs ; com plete,
fu ll.
Hen ce, th e word s com pr eh en -
si v e an d i n com pl et e are an ton -
ym ou s.
151. (1) Th e m ean in g of th e word Re-
ci pr ocal (Adj ect i v e) as u sed in
th e passage is : m u tu al; in volv-
in g two peop le or gr ou ps wh o
agree to h elp each oth er or be-
have in the same way to each oth-
er.
H en ce, t h e wor ds i n t er ac t i v e
and r eci procal are syn onym ou s.
152. (4) Th e m ean in g of th e word Par -
adi gm (Nou n ) as u sed in the pas-
sage is : a typical example or pat-
tern of som eth in g.
Look at t h e sen t en ce :
Th e war was a paradigm of th e
destr u ct ive sid e of h u m an n a-
tu re.
Hen ce, th e words par adi gm an d
m odel are syn on ym ou s.
153. (2) Th e m ean in g of th e word Au -
t on om ou s (Adj ect i v e) as u sed
in th e passage is : in depen den t;
able to do th in gs an d m ak e deci-
sion s with ou t h elp from an yon e
el se.
Hen ce, th e words au t on om ou s
an d i n depen den t are syn on y-
mou s.
154. (5) Th e m ean in g of th e word Del -
egat e (Ver b) as u sed in th e pas-
sage is : to give part of you r work ,
power or au th ority to som ebody;
to ch oose som ebody to do som e-
th in g.
Look at t h e sen t en ce :
Som e m an agers fin d it difficu lt
to delegate.
Hen ce, th e words del egat ed an d
assi gn ed are synon ym ou s.
155. (4) Th e m ean in g of th e word I n -
equ i t abl e (Adj ect i v e) as u sed in
th e passage is : n ot fair, n ot th e
sam e for everyon e.
H en ce, t h e word s i n eq u i t abl e
an d fai r are an tonym ou s.
156. (3) Th e mean in g of the word Lan -
gu i sh (Ver b) as u sed in th e pas-
sage i s : t o b e for ced t o st ay
som ewh ere or su ffer som eth in g
u n pleasan t for a lon g tim e.
Th e word Flouri sh (Verb) means :
to develop qu ick ly; to grow well;
th rive.
Hen ce, th e words l an gu i sh an d
fl ou ri sh are anton ym ou s.
157. (5) Th e m ean in g of th e word Ar -
bi t r ar y (Adj ec t i v e) as u sed in
th e passage is : n ot based on a
r eason , syst em or p lan ; u sin g
power with ou t restriction .
Hen ce, th e words ar bi t r ar y an d
l awfu l are an tonym ou s.
158. (2) Th e m ean in g of th e word Ca-
paci t y (Noun ) as u sed in the pas-
sage is : th e ability to u n derstan d
or do som eth in g; capability.
159. (1) Th e m ean in g of th e word Al -
l u de (Ver b) as u sed in th e pas-
sage is : to men tion som eth in g in
an in direct way; refer.
Hen ce, th e words Al l u di n g an d
Referr i n g are synon ym ou s.
-400-

160. (2) The meanin g of the word Spec-
u l at e (Ver b) as u sed in th e pas-
sage is : to form an idea abou t
som eth in g with ou t k n owin g all
th e details or facts.
Th e word Con t em p l at e (Ver b)
m ean s : con sider; th in k abou t.
Hen ce, th e words specu l at e an d
con t em pl at e are syn onym ou s.
161. (5 ) Th e m ean i n g of t h e wor d
Qu i n t essen t i al (Adj ect i v e) as
u sed in th e passage is : th e m ost
im portan t; excellen t.
162. (3 ) Th e m ean i n g of t h e wor d
Bri gh t (Adj ect i v e) as u sed in th e
passage is : in telligen t; qu ick to
learn .
Hen ce, the words br i gh t an d du ll
are antonym ou s.
163. (1) Th e m ean in g of th e word Elu -
si v e (Adj ect i v e) as u sed in th e
passage is : difficu lt to fin d, de-
fin e or ach ieve.
Hen ce, th e wor ds el u si v e an d
defi n i t e are an ton ym ou s.
164. (4) The meaning of the word Fresh
(Adj ect i v e) as u sed in th e pas-
sage is : in experien ced; m ade or
experien ced recen tly.
Hen ce, th e words fr esh an d ex -
per i en ced are an ton ym ou s.
165. (4) Th e m ean in g of th e word Di s-
m al (Adj ect i v e) as u sed in th e
passage is : sh owin g sadn ess;
gloom y; m iserable; n ot su ccess-
fu l.
Th e m ean in g of th e word Posi -
t i v e (Adj ect i v e) as u sed in th e
p assage i s : p rod u ci n g a su c-
cessfu l resu lt.
H en ce, t h e wor d s d i sm al an d
posi t i v e are an ton ym ou s.
166. (3) Th e m ean in g of th e word De-
cel er at e (Ver b) as u sed in th e
passage is : to becom e or m ak e
som eth in g becom e slower; slow
down .
Th e m ean in g of th e word Accel -
er at e (Ver b) as u sed in th e pas-
sage is : to h appen or to m ak e
som eth in g h app en faster th an
ex pected.
H en ce, th e word s acc el er at ed
and decelerat ed are antonymou s.
167. (2) The meaning of the word Mark -
er s (Nou n ) as u sed in th e pas-
sage is : an object or a sign th at
shows th e position of som eth ing;
indicators.
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SYNONYMS & ANTONYMS (RELATIVE)
168. (5) Th e m ean ing of th e word J un k
(Ver b) as u sed in th e passage is
: to get rid of som eth in g becau se
it is n o lon ger u sefu l or valu able;
discard.
169. (1) The meaning of the word Sh ow-
i n g (Nou n ) as u sed in th e pas-
sage is : eviden ce of h ow well or
h ow badly som ebody/ som eth in g
is perform in g; perform an ce.
170. (1) The m ean in g of th e word Spur
(Ver b) as u sed in th e passage is :
t o en cou r age som eb od y to d o
som eth in g or to en cou rage th em
to try h arder.
Th e word st i m ul at e (Verb) bears
th e sam e m ean in g.
171. (1) The meaning of the word Forge
(Ver b) as u sed in th e passage is :
to sh ape m etal by h eatin g it in a
fire an d h ittin g it with a h am m er;
cr eate.
172. (1) Th e m ean in g of th e word Dec-
i m at e (Ver b) as u sed in th e pas-
sage is : to k ill large n u m ber of
an im als etc. in a particu lar area;
to severely dam age som eth in g or
m ak e som eth in g weak er.
173. (3) The mean ing of th e word Fash -
i on ed as as u sed in th e passage
is : stylized as.
174. (2) Th e m ean in g of th e word Fuel
(Ver b) as u sed in th e passage is :
to in crease som eth in g; to m ak e
som eth in g stron ger.
Look at t h e sen t en ce :
High er salaries h elped to fu el in -
flation.
175. (2) The m ean in g of th e word M as-
si v e (Adj ect i v e) as u sed in th e
passage is : very large, h eavy an d
solid; extrem ely large or seriou s.
Its an ton ym is t i n y .
176. (3) The meaning of the word Cease
(Ver b) as u sed in th e passage is :
to stop h appen in g or existin g; to
stop; to en d.
H en ce, t h e wor d s c eased an d
st ar t ed are an ton ym ou s.
177. (1) Th e m ean in g of th e word I n -
ev i t abl y (Adv er b) as u sed in th e
passage is : as is certain to h ap-
pen ; as you wou ld expect.
178. (3) Ph rase cen t r e on m ean s : to
be or m ak e som ebody / som e-
thin g become th e person or th in g
arou n d wh ich m ost activity etc.
tak es place.
Look at t h e sen t en ce :
D i scu ssi on s wer e cen t r ad on
developm en ts in Ch in a.
Th e sy n on y m of c en t r ed o n
sh ou ld be i n spi r ed fr om .
179. (5 ) Th e wor d M i t i gat e (Ver b)
m ean s : to m ak e som eth in g less
h arm fu l, seriou s etc; al leviat e;
redu ce.
Look at t h e sen t en ce :
Soil erosion was mitigated by th e
plan tin g of trees.
180. (3 ) Th e w or d A l l u r e (No u n )
m ean s : th e qu ality of bein g at-
tractive an d excitin g.
181. (1 ) Th e w o r d E n s u e (Ve r b )
m ean s: to h appen after or as a
resu lt of an oth er even t; follow.
Hen ce, th e syn on ym of en su i n g
fr om sh ou ld be em er gi n g fr om .
182. (5 ) Th e w or d E m er ge (Ver b )
m ean s : t r an sp i r e; t o becom e
k n own; to su rvive a difficu lt situ -
ation.
Hen ce, th e an ton ym of em ergi n g
sh ou ld be du l l (Adj ect i v e).
183. (5 ) Th e wor d R ev er se (Ver b )
m ean s : t o ch an ge som eth i n g
com pletely so th at it is th e oppo-
sit e of wh at i t was befor e; re-
vok e; to tu rn som eth in g th e op-
posite way arou n d.
I t s an t on n ym sh ou l d b e
est abl i sh wh ich m ean s : to start
or create an organ isation , a sys-
tem etc. th at is m ean t to last for
a lon g tim e; set u p.
184. (1) Th e m ean in g of th e word Flag
(Ver b) as u sed in th e passage is:
t o pu t a sp ecial m ark n ext t o
i n for m at i on t h at you t h i n k i s
important; h ighlight.
185. (5) Idiom fall sh ort of som et h i n g
m ea n s % t o fai l t o r ea ch t h e
st an dard th at you ex pected or
n eed; n ot m eetin g th e stan dard.
Look at t h e sen t en ce :
Th e h otel fell far sh ort of th eir
expectation s.
186. (3 ) Th e m ean i n g of t h e wor d
Per m i t (Ver b) m ean s : to allow
som ebody to do som eth in g or to
allow som eth in g to open .
Look at t h e sen t en ce :
Radios are n ot perm itted in th e
library.
Hence, th e words per m i t t ed an d
al l owed are syn on ym ou s.
187. (3 ) Th e m ean i n g of t h e wor d
Sh ock i n g (Adj ect i v e) as u sed in
th e passage is : very bad; th at
offen ds or u psets people; th at is
m orally wron g.
-401-

Th e word Appal l i n g (Adj ect i v e)
m ean s: sh ock ing; extrem ely bad.
Look at t h e sen t en ces :
Th e p r i son er s w er e l i vi n g i n
appallin g conditions.
Th e bu s service is sh ock in g n ow.
188. (4 ) Th e m ean i n g of t h e wor d
Un scr u p u l o u s (Adj ec t i v e) as
u sed i n th e passage : wit h ou t
m oral prin ciples, n ot h on est or
fair; u n prin cipled.
Look at t h e sen t en ce :
One shou ldn ’t u se u nscru pu lou s
m eth ods to su cceed.
Hen ce, its an ton ym sh ou ld be
h on est .
189. (1 ) Th e m ean i n g of t h e wor d
Sh ar p (Adject i v e) as u sed in th e
passage is : critical or severe.
Look at t h e sen t en ce :
He was very sh arp with m e wh en
I was late.
Its an ton ym sh ou ld be m i l d.
190. (2 ) Th e m ean i n g of t h e wor d
Com pl i an t (Adj ect i v e) as u sed
in th e passage is : too willin g to
agr ee w i t h p eop l e or t o ob ey
ru les; in agreem en t with a set of
ru les.
Look at t h e sen t en ce :
We sh ou l d n ot b e p r od u ci n g
com plian t stu den ts wh o daren ot
criticize.
Its antonym shou ld be un yi eldi n g
(Ad j ect i v e) w h i c h m ea n s :
inflexible.
191. (2) Th e m ean in g of th e word Ex -
odu s (Nou n ) as u sed in th e pas-
sage is : a sit u ation i n wh i ch
m an y people leave a place at th e
sam e tim e; exit.
192. (5) Th e m ean i n g of t h e ph rase
Br i n g Ou t as u sed in th e pas-
sage is : to m ak e som eth in g ap-
pear; to produ ce som eth in g; to
pu blish som eth in g; reveal.
Look at t h e sen t en ces :
A crisis brings ou t th e best in h er.
Th e ban d h as ju st brou gh t ou t
th eir secon d albu m .
193. (5) Th e m ean i n g of t h e w or d
Dr i v e (Ver b) as u sed in th e pas-
sage i s : cau se som et h i n g t o
m ak e progr ess; t o force som e-
th ing to go in particu lar direction;
to stim u late.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
SYNONYMS & ANTONYMS (RELATIVE)
Look at t h e sen t en ce :
Th is is th e m ain factor drivin g in -
vestm en t in th e area.
194. (1) Th e m ean ing of the word Mul-
t i pl y (Ver b) as u sed in th e pas-
sage is : in crease or m ak e som e-
thing increase very mu ch in n u m-
ber or am ou n t; to reprodu ce in
large n u m bers.
Look at t h e sen t en ce :
Cigarette sm ok in g m u ltiplies th e
risk of can cer.
Its an ton ym sh ou ld be r edu ce.
195. (3) Words Fai l ed an d Su ccess-
fu l are an ton ym ou s.
196. (5) Th e meaning of th e word Pau-
per i se (Ver b) as u sed in th e pas-
sage is : to m ak e poor.
H en ce, t h e wor ds p au p er i ses
an d pr osper s are an ton ym ou s.
197. (1) The m ean in g of th e word Con -
t r ol (Ver b) as u sed in th e pas-
sage is : t o h ave p ower over a
person etc; to lim it som ethin g; to
m anage to m ak e you rself remain
calm ; to stop someth in g from get-
tin g worst or spreadin g.
Look at t h e sen t en ce :
Fire figh ters are still tryin g to con-
trol th e blaze.
Hen ce, th e syn on ym of con t r ol -
li n g shou ld be h oldi n g i n ch eck .
198. (3) Th e mean ing of th e word Par -
adox (Nou n ) as u sed in th e pas-
sage is : a person , th in g or situ -
ation th at h as two opposite fea-
t u r es a n d t h er ef o r e s eem s
stran ge; a statem en t con tain in g
two opposite ideas. Its syn on ym
sh ou ld be an om al y .
199. (2 ) Th e m ean i n g of t h e wor d
Acu t e (Adj ect i v e) as u sed in th e
passage is : very seriou s or se-
ver e.
Look at t h e sen t en ce :
Th er e is an acu t e sh or t age of
wat er.
200. (4 ) Th e m ean i n g of t h e wor d
Gr e en (A d j e c t i v e) i s : n ew ;
fresh ; live.
201. (3) Th e m ean in g of th e word Dr a-
m at i c (Adj ect i v e) as u sed in th e
passage is : su dden , very great
and often su rprisin g; excitin g an d
im pressive; spectacu lar.
Look at t h e sen t en ce :
The ann ou ncemen t had a dram at-
ic effect on h ou se prices.
202. (1 ) Th e m ean i n g of t h e wor d
Sh r i n k (Ver b) as u sed in th e pas-
sage is : to becom e sm aller; con -
tract.
Look at t h e sen t en ce :
Th e m ark et for th eir produ cts is
shrin k ing.
203. (3) Th e m ean in g of th e word Pr e-
dom i n an t l y (Adv er b) as u sed in
th e passage is : m ain ly; m ostly.
Look at t h e sen t en ce :
He work s in a predom in an tly fe-
m ale en viron m en t.
204. (5) The m ean ing of th e word M as-
si v e (Adv er b) as u sed in th e pas-
sage is : extrem ely large or seri-
ou s; severe.
Look at t h e sen t en ce :
He su ffered a m assive h eart at-
tack .
205. (4) Th e m ean in g of th e word Si g-
n i fi can t (Adject i ve) as u sed in the
passage is : large or im portan t
en ou gh to h ave an effect or to be
n oticed.
Its an ton ym shou ld be u n i m por -
t an t .
206. (3) Th e an ton ym of th e word op-
p o sed (A d j ec t i v e) sh ou l d b e
favour i n g.
207. (3) Th e word Di m i n i sh (Ver b)
m ean s : to becom e or to m ak e
someth in g become sm aller, weak -
er etc; decrease.
Look at t h e sen t en ce :
Th e world’s resou rces are dim in -
ishing
Th e an t on y m of d i m i n i sh ed
sh ou ld be in creased.
208. (5) Th e m ean in g of th e word Ob-
l i gat i on (Nou n ) as u sed in th e
passage is : th e state of bein g
forced to do som eth in g becau se
it is you r du ty or becau se of a law
etc; com mitmen t; m oral bin ding.
Look at t h e sen t en ce :
We have a moral obligation to pro-
tect th e en viron m en t.
209. (2 ) Th e m ean i n g of t h e wor d
Squ an der (Ver b) as u sed in th e
passage is : to waste tim e, mon ey
etc. in a stu pid or careless way.
-402-

Look at t h e sen t en ce :
Sh e squ andered all her money on
gam blin g.
210. (1) The meanin g of the word Mod-
est (Adj ect i v e) as u sed in th e
passage is : n ot very large, ex-
pen sive, im portan t etc; h u m ble.
Look at t h e sen t en ce :
He ch arged a relatively m odest
fee.
211. (1 ) Th e m ean i n g of t h e wor d
M y t h (Nou n ) as u sed in th e pas-
sage is : legen d; fallacy; som e-
th in g th at m an y people believe
bu t th at doesn ot exist or is false.
Look at t h e sen t en ce :
It is tim e to dispel th e m yth of a
classless society.
Its an ton ym sh ou ld be r eal i t y .
212. (5 ) Th e m ean i n g of t h e wor d
Ext en si ve (Adj ect i ve) as u sed in
th e passage is : coverin g a large
area; great in am ou n t.
Look at t h e sen t en ce :
Th e fire cau sed exten sive dam -
age.
Th e word Negl i gi bl e (Adj ect i v e)
m ean s : of very little im portan ce
or size; in sign ifican t.
Hen ce, th e an ton ym of th e word
ex t en si v e sh ou ld be n egl i gi bl e.
213. (4) The m ean ing of th e word Pro-
l o n ged (Adj ect i v e) as u sed in
th e passage is : con tin u in g for a
lon g tim e.
Its an t on ym sh ou ld b e sh or t -
l i v ed wh ich m eans : lastin g on ly
for a sh ort tim e.
214. (4 ) Th e m ean i n g of th e wor d
Cosm et i c (Adject i ve) as u sed in
th e passage is : im provin g on ly
th e ou tside appearan ce of som e-
th in g an d n ot its basic ch arac-
ter; su perficial.
Look at t h e sen t en ce :
He dism issed th e plan as a cos-
m etic exercise to win votes.
215. (2) The meaning of th e word St ag-
ger i n g (Adject i v e) as u sed in th e
passage is : startlin g; so great,
sh ock in g or su rprisin g th at it is
difficu lt to believe; astou n din g.
216. (2) The m eaning of the word Con -
sci ou s (Adj ect i v e) as u sed in th e
passage is : aware of som eth in g;
n oticin g som eth in g; m indfu l; de-
liberate.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
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SYNONYMS & ANTONYMS (RELATIVE)
Look at t h e sen t en ces :
He m ade a con sciou s effort to get
th ere on tim e.
Sh e is very con sciou s of the prob-
lem s in volved.
217. (1) Th e mean ing of th e word Dra-
m at i c (Adj ect i v e) as u sed in th e
passage is : su dden , very great
and often su rprisin g; exciting and
im pressive rem ark able.
Look at t h e sen t en ce :
The annou ncement had a dramat-
ic effect on h ou se prices.
218. (3) Th e m ean in g of th e word I n -
t en se (Adj ect i v e) as u sed in th e
p assage i s : ver y gr eat ; ver y
stron g; extrem e; seriou s.
Look at t h e sen t en ce :
Th e Presiden t is u n der in ten se
pressu re to resign
219. (1) The m ean ing of th e word T ac-
t i cal (Adj ect i v e) as u sed in th e
passage is : carefu lly plan n ed in
order to ach ieve a particu lar aim ;
strategic.
Its antonym shou ld be upl an n ed.
220. (2) Th e m ean in g of th e word I n -
ev i t abl e (Adj ect i v e) as u sed in
t h e p assage i s : u n avoi d ab l e;
som eth in g that is certain to h ap-
pen .
Look at t h e sen t en ce :
It was an in evitable consequ en ce
of th e decision .
Un foreseeable (Adject i ve) means
th at you can n ot predict or fore-
see.
221. (2) Th e meaning of th e word Li m -
i t ed (Aj ect i v e) as u sed in t h e
p assage i s : n ot ver y gr eat i n
am ou n t or exten t; restricted; fi-
n ite.
Look at t h e sen t en ces :
Th e offer is for a lim ited period
only.
We are doin g ou r best with th e
lim ited resou rces available.
222. (4) The meanin g of the word Pai n -
fu l (Adj ect i v e) as u sed in t h e
passage is : cau si n g you p ai n ;
excru ciatin g; cau sin g you to feel
u pset; difficu lt to do.
Look at t h e sen t en ces :
Th ei r effor t s w er e p ai n fu l t o
wat ch .
H e gr oa n ed at t h e m em or y ,
su ff er i n g al l ov er a ga i n t h e
excru ciatin g em barrassm en t of
th ose m om en ts.
223. (3) The m ean in g of th e word Con -
cer n (Nou n ) as u sed in th e pas-
sage is : an xiety; worry; appre-
h en sion .
Look at t h e sen t en ce :
Th ere is growin g con cern abou t
violen ce on television .
224. (2) The m eaning of the word Con -
su m e (Ver b) as u sed in th e pas-
sage is : to u se som eth in g espe-
cially fu el, en ergy or tim e.
Look at t h e sen t en ce :
The electricity indu stry consu mes
large am ou n ts of fossil fu els.
225. (4) Th e m ean in g of th e word Ex -
h au st ed (Adj ect i v e/ Par t i ci pl e)
as u sed in th e passage is : com -
pletely u sed or fin ish ed.
Look at t h e sen t en ce :
You can n ot gr ow cr ops on ex-
h au sted lan d.
Th e word Repl en i sh m ean s : to
m ak e som eth in g fu ll again ; top
u p.
Hen ce, th e an ton ym of th e word
ex h au st ed sh ou l d be r ep l en -
i sh ed.
226. (1) Th e m ean in g of th e word Ar -
t i fi ci al (Adj ect i v e) as u sed in the
passage is : n ot real; n ot n atu -
ral; fak e; created by people.
Its an ton ym sh ou ld be gen u i n e
wh ich m ean s : real; exactly wh at
it appears to be; n ot artificial.
Look at t h e sen t en ce :
On ly gen u in e refu gees can apply
for asylu m .
227. (5) Th e m ean in g of th e word Di s-
t r i bu t ed (Adj ect i v e/ Par t i ci pl e)
as u sed in th e passage is : sh ar -
in g som eth in g between a n u m -
ber of people; spreadin g.
Its an ton ym sh ou ld be con cen -
t r at ed wh ich m ean s : if som e-
t h i n g exi st s in a con cen t rated
way, th ere is a lot of it in on e-
place or at on e tim e.
228. (3) Th e m ean in g of th e word J u -
di c i ou s (Adj ect i v e) as u sed in
th e passage is : carefu l an d sen -
sible; sh owin g good ju dgem en t;
thou ghtfu l.
229. (4) Th e m eanin g of the word Con -
t en t (Adj ect i v e) as u sed in th e
passage is : h appy an d satisfied
with wh at you h ave.
Look at t h e sen t en ce :
He h ad to be con ten t with th ird
place.
-403-

230. (2) Th e m ean i n g of t h e w or d
Gran t (Noun ) as u sed in th e pas-
sage is : fu n din g; a su m of m on -
ey th at is given by th e govern -
m en t or by an oth er organ isation
to be u sed for a particu lar pu r -
pose.
Look at t h e sen t en ce :
He h as been awarded a research
gran t.
231. (5) Th e m ean in g of th e word I n -
cen t i v e (Nou n ) as u sed in th e
passage is : som eth in g th at en -
cou rages you to do som eth in g;
motivator.
Look at t h e sen t en ce :
Th ere is n o in cen tive for people
to save fu el.
232. (2) Th e m ean i n g of t h e w or d
Fi er ce (Adj ect i v e) as u sed in th e
passage is : very stron g, sh ow-
in g stron g feelin gs or a lot of ac-
tivity.
Its an ton ym sh ou ld be weak .
233. (4) The meanin g of the word Bu r-
geon i n g (Adj ect i v e) as u sed in
th e passage is : d evel op in g or
growin g rapidly.
Th e word Dwi n dl i n g (Adj ect i v e)
m ean s : becom ing gradu ally less
or sm aller.
234. (1) Th e m ean in g of th e word M e-
di ocre (Adj ect i v e) as u sed in th e
p assage is : n ot ver y good ; of
on ly average stan dard.
Its an ton ym sh ou ld be su per l a-
t i v e wh i ch m ean s : ex cel l en t ,
first rate.
235. (1 ) Th e w or d L ab o u r (Ver b )
m ean s : st r u ggl e; w or k h ar d ;
m ove with difficu lty an d effort;
toil.
236. (3) Th e word M ean (Nou n / Ad-
j ect i v e / Ver b) m ean s : h ave as
meaning; im ply; average; not gen-
erou s; ch eap; u n k in d.
237. (2) Th e word Regu lar (Adj ect i ve)
m ean s : u su al ; or d i n ar y; fr e-
qu ent; u n iform .
238. (5) Th e word M ask (Nou n / Ver b)
m ean s : to h ide a feelin g etc; dis-
gu ise; cover; con ceal.
239. (2) Th e wor d Al o n e (Ad v er b)
m ean s : with ou t an y oth er peo-
ple; solitary; lon ely; exclu sively.
240. (5) The word M ar k ed (Adject i ve)
m ean s : easy to see; n oticeable;
distinct.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
SYNONYMS & ANTONYMS (RELATIVE)
Its anton ym shou ld be i m percep-
t i bl e wh ich m ean s : very sm all
an d th erefore u n able to be seen
or felt.
241. (3 ) Th e m ean i n g of t h e wor d
Sh ock i n g (Adj ect i v e) as u sed in
th e passage is : very bad; th at
offen ds or u psets people; th at is
m orally wron g.
Th e word Appal l i n g (Adj ect i v e)
m ean s: sh ock ing; extrem ely bad.
Look at t h e sen t en ces :
Th e p r i son er s w er e l i vi n g i n
appallin g conditions.
Th e bu s service is sh ock in g n ow.
242. (1 ) Th e wor d R ed r ess (Ver b )
m eans : to correct som ethin g th at
is u n fair or wron g; pu t righ t; ad-
d r ess.
243. (2) Th e word Cu r r en cy (Nou n )
m ean s : th e fact th at som eth in g
is u sed or accepted by a lot of
people; u sage.
244. (3) Th e word I n t r i n si cal l y (Ad-
v er b) m ean s : really; fu n dam en -
tally; basically.
245. (5) Th e word I n di cat i v e (Adj ec-
t i ve) m ean s : sh owing or su ggest-
in g som eth in g; su ggestive.
246. (2) Th e word Com pr om i se (Verb)
m ean s : redu cin g th e qu ality; to
d o s om et h i n g t h a t d oes n ot
reach th e stan dard.
247. (4) T h e w o r d L a c k (N o u n )
m ean s : dearth , th e state of n ot
h avin g excess of som eth in g.
Its an ton ym sou ld be adequ acy .
248. (4) Th e word I n con cei v abl e (Ad-
j ect i v e) m ean s : im possi ble to
im agin e or believe; u n th in k able;
in credible.
Its antonym sh ou ld be appar en t .
249. (2) Th e word Ri gi d (Adj ect i v e)
m ean s : in flexible; very strict an d
difficu lt to ch an ge.
Look at t h e sen t en ce :
His rigid adh eren ce to th e ru les
m ade him u npopu lar.
Its an ton ym sh ou ld be flexi ble.
250. (5) Th e grou p of words St ep by
St ep (Nou n ) m ean s : in a sereis
of steps; rath er th an con tin u ou s;
one of a series of thin gs th at h ap-
pen s wh ich form s part of a pro-
cess; st epwi se.
Look at t h e sen t en ce :
I will explain it to you step by
st ep .
On ce an d for al l m ean s : n ow
an d for th e last tim e; fin ally or
com pletely.
Look at t h e sen t en ce :
We n eed to settle th is on ce an d
for all.
251. (3) The word Offer (Verb) mean s :
to m ak e som eth in g available or
t o pr ovid e t h e opp or t u n it y for
someth in g.
Look at t h e sen t en ce :
Th e h otel offers excellen t facili-
ties for fam ilies.
Th e word Refu se (Ver b) m ean s :
to say th at you will n ot do som e-
th in g th at som ebody h as ask ed
you to do; tu rn down ; den y.
Look at t h e sen t en ce :
Sh e refu sed to accept th at th ere
was a problem .
252. (2 ) Th e w or d R em ai n (Ver b )
m ean s : t o st ay i n t h e sam e
place.
253. (4) Th e word H i r e (Ver b) m ean s :
to give a job; to em ploy somebody
for a sh ort tim e to do a particu -
lar job.
Look at t h e sen t en ce :
Th ey h ired a firm of con su ltan ts
to design th e n ew system .
254. (1 ) Th e w o r d L i m i t (N o u n )
m ean s : a poin t at wh ich som e-
th in g stops being possible; m ax-
imum.
255. (4) The word Dr aw (Verb) mean s :
attract or in terest.
Look at t h e sen t en ce :
Th e cou rse draws stu den ts from
all over th e cou n try.
256. (2) The word Clock (Verb) means :
ach i eve; t o r each a par t i cu l ar
amou nt.
257. (4) The word Abat e (Ver b) means :
to becom e less stron g; to m ak e
som eth in g less stron g; lessen .
Look at t h e sen t en ce :
Steps ar e to be tak en to abate
pollution.
258. (2) Th e word Em er gi n g (Adj ec-
t i v e) m ean s : n ew an d still de-
veloping.
259. (3) Th e word M y r i ad (Adj ect i v e)
m eans : an extrem ely large n u m -
ber of som eth in g; cou n tless.
Its an ton ym sh ou ld be few.
260. (3) Th e word T epi d (Adj ect i v e)
means : slightly warm; lu k ewarm;
n ot en th u siastic; m oderate.
Its an ton ym sh ou ld be war m .
-404-

261. (1 ) T h e w o r d M y t h (N o u n )
m ean s : l egen d, fall acy; som e-
th in g th at m an y believe bu t th at
is false; belief.
Its an ton ym sh ou ld be r eal i t y .
262. (3) Th e m ean in g of th e word Ca-
t er (Ver b) as u sed in th e passage
is : to provide th e th in gs th at a
particu lar type of person wan ts.
Look at t h e sen t en ce :
Th ey on ly pu blish n ovels wh ich
cater to th e m assm ark et.
Hen ce, th e words cat er i n g an d
su ppl y i n g are syn on ymou s.
2 6 3 . (5) Th e m ean in g of th e word K ey
(Adj ect i v e) as u sed in th e pas-
sage is : m ost im portan t; essen -
tial; critical; vital.
Look at t h e sen t en ce :
He played a k ey role in th e dis-
pu te.
Hen ce, th e words k ey an d i m -
por t an t are syn on ymou s.
264. (2) Th e m ean in g of th e word Ag-
gr essi v e (Adj ect i v e) as u sed in
th e passage is : actin g with force
and determination in order to su c-
ceed .
Look at t h e sen t en ce :
A good sales person h as t o be
aggressive in today’s com petitive
m ark et.
Hen ce, the words aggressi ve and
det er m i n ed are syn onym ou s.
2 65 . (5) The m eaning of the word Pros-
perous (Adj ect i ve) as u sed in the
passage is : rich an d su ccessfu l;
afflu en t.
Th e word Un der pr i v i l eged (Ad-
ject i ve) m eans : having less mon-
ey an d fewer opportu n ities th an
oth ers; disadvan taged.
H en ce, t h e wor ds p r o sp er o u s
an d u n der pr i v i l eged are an ton -
ym ou s.
2 6 6. (1) The meanin g of the word Con -
su m e (Ver b) as u sed in the pas-
sage is : to u se som eth in g.
H en ce, t h e wor ds c o n su m i n g
an d dest roy i n g are an tonym ou s.
267 . (1) Th e meaning of the word Surge
(Nou n ) as u sed in th e passage
is : a su dden in crease of feelin g;
a su dden in crease in th e amou n t.
Look at t h e sen t en ce :
We are h aving trou ble k eepin g u p
with th e recent su rge in dem and.
Hen ce, the words Su r ge an d de-
cr ease are antonym ou s.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
SYNONYMS & ANTONYMS (RELATIVE)
SBI PO EXAMS
1. (3) l If som eth in g pr edi sposes
you to th in k or beh ave in a par -
ticu lar way, it m ak es it lik ely th at
you will th in k or beh ave in th at
way.
For exam ple,
Th ere is eviden ce to su ggest th at
factors su ch as person ality an d
a t t i t u d e p r ed i s p o se s om e
in dividu als to crimin al behaviou r.
l If som eth in g pr edi sposes you
to a disease or illn ess, it m ak es it
li k ely th at you wil l su ffer fr om
th at disease or illn ess.
l Wh en you ready something, you
prepar e it for a particu lar pu r -
pose.
l I f som eon e or som et h i n g i s
r eady to do som eth in g, th ey are
abou t to do it or lik ely to do it.
For exam ple,
Sh e look ed ready to cry.
So far as th e m ean ing of the word
p r ed i sp osed i n th e passage i s
concerned, we have no other option
than to choose option (3) as the an-
swer.
2. (2) l If you st r ess a poin t in a dis-
cu ssion , you pu t extra em ph asis
on i t b ecau se you t h i n k i t i s
im portan t.
l If you feel u nder st r ess, you feel
wor r i ed an d t en se b ecau se of
difficu lties in you r life.
l St r esses are str on g ph ysical
pressu res applied to an object.
l If you st r ess a word or part of a
word wh en you say it, you pu t
em ph asis on it so th at it sou n ds
slightly lou der.
So, st ress an d em phasi se are syn-
on ymou s.
3. (4) The aft erm at h of an important
even t, especially a h arm fu l on e,
is th e situ ation th at resu lts from
it.
For exam ple,
In th e afterm ath of th e cou p, th e
troops open ed fire on the dem on -
strat ors.
l Th e con sequ en ces of someth ing
are th e resu lt or effects of it.
l If on e th in g h appen s an d th en
an oth er th in g h appen s in con se-
q u e n c e , t h e sec o n d t h i n g
h appen s as a resu lt of th e first.
l Som eth in g or som eon e of con -
sequen ce is important or valuable.
So, for syn on ym of aft er m at h we
can c h oo s e the wor d
con sequen ce.
4. (1) dissension
5. (5) u nfou nded
6. (3) Th e word obsol et e is u sed in
differen t m ean in gs eg; an tiqu e,
dead, discu ssed, extin t, old, old-
fash ion ed, ou t of date, ou t m od-
ed, ou t-worm , etc. Th erefore, in
the given option s th e sam e m ean -
ing will be ou tm oded wh ich is op-
tion (2).
7. (2) Th e word Bal efu l is u sed in
several m ean in gs; eg; m align an t,
o f ev i l i n f l u en c e, p ai n f u l ,
sor r ow fu l et c. Th er efor e, t h e
same m eaning in the given options
is Ru in ou s wh ich is in option (2).
8. (1) Th e word Hoodwi n k is u sed in
several m ean ings; eg : bamboozle,
ch eat, deceive, delu de, du pe, fool,
hoax, mislead, rook , swin dle, tak e
i n et c. Th er efor e, t h e sam e
meaning will be Bamboozle wh ich
is in option (1).
9. (4) Th e word Ni m bl e is u sed in
sever al m ean i n gs; eg; act i ve,
agi le, al er t, b ri sk , li gh t foot ed ,
lively, n ipply, proficien t, prom pt,
qu i ck , r ead y , sm ar t , sl i gh t l y ,
swi ft, etc. Th er efor e, t h e sam e
meaning will be in option (4) which
is agile.
10. (3) The word base is used in several
meanings; eg, basis, bottom, camp,
cen tre, core, essen ce, essen tial,
foot, fou n d at i on , fu n d am en t al ,
grou ndwork , headqu arters, home,
k ey, origin, pedestral, root, starting
point etc. Therefore, in the given
opt ion s, u n m ark ed i s th e ri gh t
ch oice wh ich is in option (3).
11. (1) Th e word Fi del i t y is u sed in
several m ean in gs, eg; adh eren ce,
allegian ce, devotion , loyality, ac-
cu racy, closen ess. A p recision ,
reli abilit y etc. Th erefore, in th e
given option s th e m ost opposite
word is perfidy wh ich is in option
(1).
12. (3) Th e word i n di gn at i on is u sed
in several m ean in gs eg : an ger,
ex as p er a t i on , i r e, ou t r age,
resentment, scorn, wax, wrath, etc.
Therefore, in the given option s, th e
m o st o p p o s i t e w o r d i s fo r -
bearan ce wh ich is in option (3).
-405-

13. (4) Th e wor d l o f t y i s u sed i n
sever al m ean i n gs; eg; h i gh ,
ex al t ed , el evat ed , d i gn i fi ed ,
distingu ished, majestic, prou d, etc.
Th erefore, the most opposite word
is lowly which is in option (4).
14. (2) Th e word h ead is u sed in sev-
eral m ean in gs eg; to tak e n otice,
to attend to etc. Th erefore, in th e
given , option s th e m ost opposite
word is n eglect wh ich is in option
(2).
15. (5) Th e word I n t r epi d is u sed in
sever al m ean i n gs; eg; b r ave,
f ea r l es s , u n d au n t ed , et c .
Th erefore, th e most opposite word
is Bashfu l which is in option (5).
16. (1) reach
17. (5) Th e word ‘adven t’ h as b een
u sed in th e sen se of word ‘arrival’.
18. (4) cu stom ary
19. (2) Th e word ‘bu rgeon in g’m ean s
growin g or developing rapidly. Its
an ton ym is retardin g.
20. (1) developin g
21. (5)
(A) Pr ox im at e— n ear est or n ex t,
wit h ou t an yth in g b etween a
cau se an d its effect.
(B) El evat ed — d i gn i fi ed , el at ed ,
gr an d , h i gh , l of t y , n ob l e,
raised, su blim e
(C) Ni m b l e— act i ve, agi l e, al er t ,
brisk , deft, light-fotted, lively,
ready
(D) Agi l e— act i ve, ad r oi t , b r i sk ,
cl ever, qu i ck , sh ar p , swi ft ,
sp ry
H en ce C–D bear sam e m ean i n g.
22. (5)
(A) Notion — appreh en sion, belief,
c o n c ep t , f an c y , i m age,
ju dgem en t, k n owledge
(B) Sy m b o l — b a d ge, em b l em ,
i m age, l ogo, r ep r esen tat i on
sign , tok en , type
(C) C o n c e p t — a b s t r a c t i o n
con cep t ion , con str u ct , i d ia,
im age, type, view
(D) Massage— ru bbin g, k n eading,
manipu lation, ru p-down
Hen ce, B–D bear sam e m ean i n g.
23. (2)
(A) Limpid— brihgt, clear, compre-
h en sible, crystal-clear, glassy,
intelligible, pu re
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
SYNONYMS & ANTONYMS (RELATIVE)
(B) L u s c i o u s — a p p e t i s i n g ,
d el i ci ou s, d esi r ab l e, j u i cy,
savou ry, sweet, tasty
(C) Acr i d — aci d , acr i m on i ou s,
bitter, sharp, bu rn ing, pu n get,
sarcastic
(D) Ben ign— am iable, ben evolent,
frien dly, gen ial, gen tle, good,
graciou s
H en c e, B -C bear o p p o si t e
m ean i n gs.
24. (1)
(A) Asi n i n e— of or l i k e an ass,
idiotic
(B) F u r i o u s+ a n gr y , b o i l i n g,
en raged, fierce, fu rn in g, givid,
m ad, ralin g, violen t, storm y,
(C) For t u n at e— Ad van t ageou s,
blessed, brigh t, lu cy, h appy,
s u c c ess f u l , f el i c i t i o u s ,
opportu nate
(D) Ridicu lou s— absu rd, com ical,
d er i sor y , fr aci cal , fool i sh ,
fu n ny, stu pid, lu dicrou s
Hen ce, A–D bear sam e m ean i n g.
25.(5)
(A) companion — accom plice, aide,
a l l y , as s i st a n t , a ss o c i a t e
fellow, m ate, partn er
(B) A m at eu r - b u f f , d a b b l er ,
d i l et t a n t e, f an i er, h am ,
layman , n on -profession al,
(C) Ad ep t — abl e, accom p l i sh ed ,
a d r o i t , v er s ed , s k i l l ed ,
proficien t, practised n im ble.
(D) Adheren t— adm irer, advocate,
devotee, disciple, fan , follower,
su pporter
Hence, A–D bear sam e m eani n gs.
26.(3)
(A) Squ an d er — b l ow, con su m e,
d i ssi p at e, ex p en d , fr i t t er,
waste, scatter, m isu se
(B) D i su n i t e— t o sep ar at e fr om
u n ion , detach , divide, to sever
or su rren der
(C) Fli ck er— flare, fl ash , fl u tt er,
w av er , v i b r a t e, t w i n k l e,
glim m er, gu tter
(D) Preserve— care for, con serve,
c on t i n u e, d ef en d , gu a r d ,
k eep, u ph old, sh ilter
H e n c e , A –D b e a r o p p o s i t e
m ean i n gs.
27. (5)
(A) Mitigate— to m ollify, oppease,
to m ak e m ore easly born , to
tem per,
(B) Acqu i esce— acced e, accep t ,
agree, allow, approve, assen t,
com ply, con cu r
(C) Rel i n gu i sh — ab an d on , ced e
desert, discard, forgo, resign ,
vacate
(D) D u p l i cat e— cor r esp on d i n g,
i d en t i cal , m et h od , t wofol d ,
twin
H en c e , B –C b e ar o p p o s i t e
m ean i ngs.
28. (4) Fable m ean s legen d. Hen ce, A
– B bear sam e m ean in g
29. (2)
(A) O c c u r e n c e — a u t i o n ,
ad ven t u r e, affai r, i n st an ce,
in ciden t, episode
(B) Preten ce— acti n g, affet cti on ,
aim , allegation , appearan ce,
ch arade, grab
(C) Profu siou s— abu ndan ce, copi-
ou sn ess, gl u t , m u l t i t u t d e,
wealth , extravagan ce
(D) Extravagance— abu ndance, ex-
c es s , f o l l y , sq u a n d er i n g,
waste, profu sion
Hen ce, C–D bear sam e m ean i n g.
30. (4)
(A) Ex cel l en t— ad m i rab l e, com -
m en d a b l e, u n equ a l l ed ,
su perb, wou n derfu l, worth y
(B) Passi on at e— ar d en t , er ot i c,
storm y, violen t, wild, zealou s,
fiery, in flam ed, ferven t
(C) Apath etic— Cold, Cool, impas-
si ve, passi ve, u n em ot i on al ,
in diferen t
(D) D i scr ep an t — con t r ary, d isa-
greein g
H en c e, B –C b ea r o p p o s i t e
m ean in gs.
31. (1) Th e m ea n i n g o f t h e w o r d
qu est (Nou n ) is : a lon g search
for someth in g especially for some
qu ality su ch as h appin ess.
Look at t h e sen t en ce ;
He set off in qu est of adven tu re.
H en ce, t h e w or d s q u e st an d
sear ch are syn on ymou s.
32. (2) Th e m ea n i n g o f t h e w o r d
ev olv e (Verb) is : to develop grad-
u ally, especially from a sim ple to
a more com plicated form :
Look at t h e sen t en ces :
Each school m u st evolve its own
way of work in g.
-406-

Th e com pan y h as evolved in to a
m ajor chemical manu factu rer.
H en ce, t h e wor d s ev o l v e an d
dev el op are syn onym ou s.
33. (4) The word obsolet e (Adject i ve)
m ean s; n o lon ger u sed becau se
som eth in g n ew h as been in ven t-
ed; ou t of date.
Look at t h e sen t en ce :
With tech nological changes many
traditional sk ills have become ob-
solete.
Hen ce, th e words obsol et e an d
out dat ed are syn on ymou s.
34. (5) The word affl uen t (Adj ect i v e)
means; havin g a lot of money and
good stan dard of livin g; prosper -
ou s; wealth y.
Ou t of th e given altern atives, th e
w or d d e p r i v e d (A d j e c t i v e )
m ean s : wi t h ou t en ou gh food ,
edu cation , and all the th in gs th at
are n ecessary for people to a live
a h appy or com fortable life.
Hen ce, th e word s aff l u en t an d
depr i v ed are antonymou s.
35. (3) Th e word relev an t (Adject i ve)
m ean s : closely con n ected with
th e su bject you are discu ssin g.
Look at t h e sen t en ce :
Th ese com m en ts are n ot direct-
ly relevan t to th is en qu iry.
Hen ce, th e words r el ev an t an d
un relat ed are anton ym ou s.
36. (1) Th e word en li gh t en ed (Adjec-
t i v e) m ean s : h avin g or sh owin g
an u n d er st an d i n g of p eop l e’s
n eeds, a situ ation etc. th at is not
based on old fash ion ed attitu des
an d preju dice.
Ou t of th e given altern atives, th e
word i gn oran t (Adject i ve) means
: lack in g k n owledge or in form a-
tion abou t someth in g.
Look at t h e sen t en ce :
H e i s i gn or an t ab ou t m od er n
techn ology.
H en ce, th e word s en l i gh t en ed
an d i gn oran t are anton ym ou s.
37. (5) Th e m ean in g of th e word T u r -
m oi l (Nou n ) as u sed in th e pas-
sage is : a state of great an xiety
an d con fu sion .
Th e word Ch aos (Nou n ) m ean s :
a state of complete con fu sion an d
lack of order.
Hen ce, th e words t u r m oi l an d
ch aos are syn on ymou s.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
SYNONYMS & ANTONYMS (RELATIVE)
38. (5) Th e m ean in g of th e word Pu l -
v er i zat i on (Nou n ) as u sed in th e
passage is : defeat or destru ction
of som et h i n g/ som eb od y com -
pletely ; cru sh in g.
39. (2 ) Th e m ean i n g of t h e wor d
T h r i v e (Ver b) as u sed in th e pas-
sage is : to flou rish ; to becom e
an d con ti n u e to be su ccessfu l,
stron g, h ealth y etc.
Th e wor d D et er i o r at e (Ver b )
m ean s : to becom e worse.
Hen ce, th e words t h r i v e an d de-
t eri or at e are antonym ou s.
40. (1) The mean in g of th e word Mu n -
dan e (Adj ect i v e) as u sed in th e
passage is : n ot in terestin g or ex-
citin g ; du ll, ordin ary.
Look at t h e sen t en ce :
I lead a pretty mu n dan e existence.
Hen ce, th e words m u n dan e an d
ex t r aordi n ar y are an ton ym ou s.
41. (3 ) Th e wor d c o n st r u e (v er b)
m ean s : to u n derstan d th e mean -
in g of a word, sen ten ce in a par -
ticu lar way ; in tepret.
Look at t h e sen t en ce :
He con sid ered h ow t h e rem ark
was to be con stru ed.
Hen ce, th e words con st r u e an d
i n t erpr et are syn onym ou s.
42. (4) The word Super flu ou s (Adj ec-
t i ve) mean s : more th an you n eed
or want. Th e word sur pl us mean s
th e sam e.
43. (1) The word Appalli n g (Adject i ve)
m ean s : extrem ely bad; sh ock ing.
Look at t h e sen t en ce :
Th e prison ers were livin g in ap-
pallin g con dition s. The word si n -
i st er (Adj ect i v e) m ean s : seem -
in g evil or dangerou s; m ak in g you
think som eth in g bad will happen .
Hen ce, th e words appal l i n g an d
si n i st er are syn on ymou s.
44. (2 ) Th e w or d T o r t u r e (Ve r b )
m ean s : to h u rt som ebody ph ysi-
cally or m entally ; mak e somebody
feel extrem ely u n h appy or an x-
iou s.
Look at t h e sen t en ce :
Man y of th e rebels were captu red
an d tortu red by secret police.
The word Ex cr uci at e (Verb) bears
th e sam e m ean in g.
45. (1) Th e word Per t i n en t (Adj ec-
t i v e) means : appropriate to a par -
ticu lar situ ation ; relevan t.
Look at t h e sen t en ce : Please
k eep you r com m en ts pertin ent to
th e topic u n der discu ssion .
Hen ce, th e words per t i n en t an d
i r rel ev an t are an tonym ou s.
46. (1 ) Th e m ean i n g of t h e wor d
St ar v e (Ver b) as u sed i n th e pas-
sage is : k eep depr ived of; t o n ot
gi ve som eth i n g th at i s n eeded.
Lo ok at t h e sen t en ces :
Th e departmen t h as been starved
of resou rces.
I fel t st arved of i n telli gen t con -
ver sati on .
Hen ce, t h e wor ds st ar v ed an d
depr i v ed are syn on ym ou s.
47. (2) Th e m ean in g of th e word Sl ap
(Ver b) as u sed in th e passage i s:
im pose; to ord er especially in a
su dd en or an u n fai r way, t h at
som ething mu st h appen or some-
body m u st do som et h in g.
Loo k at t h e sen t en c e :
Th e com p an y sl app ed a b an on
u sin g em ail on th e staff.
Hen ce, t h e words sl app ed an d
i m posed are syn on ym ou s.
48. (1) Th e m ean in g of th e word Plow
(Ver b) as u sed in th e passage i s:
to in vest a large amou nt of m oney
in a com p an y or proj ect; to cu l ti-
vat e.
Hen ce, th e wor ds pl ow eel an d
cu l t i v at ed are syn on ym ou s.
49. (2) The meaning of the word Press-
i n g (Ad j ect i v e) as u sed in t h e
passage is : u rgen t, ser iou s, i n -
si sten t, n eedin g t o b e dealt wi th
imm ediately.
Hen ce, th e words pr essi n g an d
u n dem an di n g are an tonym ou s.
50. (3 ) Th e m ean i n g of t h e wor d
Ev apo r at e (Ver b) as u sed in t h e
passage is : t o d isappear, esp e-
cially by gradu ally becom in g less
an d l ess.
Loo k at t h e sen t en c e :
H i s con fi d en ce h ad n ow com -
pl etely evapor ated.
H en ce, t h e wor d s ev ap o r at ed
an d gr ew are an ton ym ou s.
51. (3) Th e word Nascen t (Adj ect i ve)
m ean s : b egi n n in g t o exist ; n ot
yet fu ll y devel oped.
Th e words n ascen t an d em er g-
i n g are syn on ym ou s.
52. (2) Th e word Ec cen t r i c (Adj ec-
t i ve) mean s : con sidered by other
-407-

peopl e t o b e stran ge or u n u su al.
Th e words eccen t r i c an d abn or -
m al are syn on ym ou s.
53. (5 ) Th e word Pl et h o r a (No u n )
m ea n s : a n a m o u n t t h a t i s
gr eat er th an i s n eeded ; ex cess.
Th e wor d A bu n d an c e (No u n )
m ean s : a l arge qu an t ity th at is
m ore th an en ou gh .
54. (1 ) Th e word I n adv er t en t l y (Ad-
v er b) m ean s : u n in t en ti on al ly;
withou t in tending to; by accident.
Th e words pu r po sef u l l y an d i n -
adv er t en t l y are an ton ym ou s.
55. (1 ) Th e word Ger m an e (Adj ec-
t i v e) m ean s : con n ect ed wi t h
som eth in g in an im portan t or ap-
pr opr iate way; relevan t.
Th e words ger m an e an d i r r el -
ev an t are an ton ym ou s.
56. (4) Th e m ean in g of th e word Fos-
t er (Ver b) as u sed in th e passage
is : to en cou rage som eth ing to de-
velop; prom ote; n u rtu re.
57. (1) Th e m ean in g of th e word Pr o-
pel (Ver b) as u sed in th e passage
is : to m ove, drive or pu sh som e-
th in g forward or in a particu lar
direction .
Look at t h e sen t en ce :
He su cceeded in propellin g th e
ball across th e lin e.
58. (5) The mean in g of th e word Mas-
si v e (Adj ect i v e) as u sed in th e
passage is : extrem ely large or se-
riou s; h u ge.
59. (4) The meaning of the word St um -
bli n g block (Noun ) is : someth in g
th at cau ses p rob lem s an d pr e-
ven ts you from ach ievi n g you r
aim ; h u rdle; obstacle.
60. (2) Th e meanin g of the word Cum -
ber so m e (Ad j ect i v e) i s : large
an d h eavy; bu lk y; slow an d com -
plicated.
Th e word M an ageabl e m ean s :
possible to deal with or con trol.
Look at t h e sen t en ce :
Th e debt h as been redu ced to a
m ore m an ageable level.
61. (4) Th e m ean in g of th e word Re-
sem bl e (Ver b) is : to look lik e or
be sim ilar to an oth er person or
th in g.
It s an t on ym sh ou l d b e d i f f er
from .
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
SYNONYMS & ANTONYMS (RELATIVE)
62. (3) Th e m ean in g of th e word Di f-
fer en t i at e (Ver b) is : to sh ow or
recogn ise th at two th in gs are n ot
th e sam e; distin gu ish .
Hen ce, th e an ton ym of di ffer en -
t i at ed sh ou ld b e h ar m on i z ed
wh ich m ean s : m ade sim ilar.
63. (4) Th e word M u l t i t u de (No u n )
m ean s : an extrem ely large n u m -
ber of th in gs or people; plen ty.
These elem ents can be combined
in a m u ltitu de of differen t ways.
64. (3) Th e word Ubi qu i t ous (Adj ec-
t i v e) m ean s : seem in g to be ev-
erywh ere or in several places at
t h e sam e t im e; ver y com m on ;
presen t everywh ere.
65. (5) Th e wor d Do r m an t (Adj ec-
t i v e) m ean s : n ot active or grow-
in g n ow bu t able to becom e ac-
tive; in active.
Th e w or d A c t i v e (Ad j ec t i v e)
m ean s : l ivel y; growi n g; doin g
som ethin g regu larly.
Look at t h e sen t en ce :
Du rin g th e win ter th e seeds lie
dorm an t in th e soil.
Th e viru s are still active in th e
blood.
66. (3) Th e word Del ay ed (Adj ect i ve)
m ean s : m ak in g late; holdin g u p;
d efer red .
Th e word Ex pedi t ed (Adj ect i v e)
m ean s : m ak in g a process h ap-
pen qu ick ly; work in g well with -
ou t wastage of tim e.
Sh e is su fferin g a delayed reac-
tion to th e sh ock .
67. (2) Th e word H er al d ed (Adj ec-
t i ve) m eans : pu blicly said; pu b-
licised.
Look at t h e sen t en ce :
Th e h eralded report is lik e a blu e
prin t for th e fu tu re of tran sport.
68. (5) Th e word Ou t wei gh (Ver b)
m ean s : su rpass; to be greater
o r m o r e i m p o r t an t t h a n
someth in g.
Look at t h e sen t en ce :
Th e advan tages far ou tweigh th e
disadvan tages.
69. (4 ) Th e wor d Em br ac e (Ver b)
m ean s : t o accep t an i d ea, a
p r op o s al et c t o i n c l u d e
someth in g.
Th e word Rej ect (Ver b) m ean s :
to refu se to accept or con sider
someth in g.
70. (1) Th e word Su bv er si on (Nou n )
m ean s : destru ction ; destroyin g
the au th ority; destabilisation .
Th e word Com pl i an c e (No u n )
m ean s : th e practice of obeyin g
ru les or requ ests m ade by people
in au th ority.
71. (3) Nas cen t (Adj ect i v e) = be-
gin n in g to exist; n ot yet fu lly de-
veloped.
Em er gi n g = begin n in g to exist;
to becom e or appear k n own .
72. (2) Ecc en t r i c = con sid ered b y
oth er people to be strange or u n -
u su al; wh im sical.
Abn or m al = differen t from wh at
is u su al or expected.
73. (5) Pl et h or a = an am ou n t that is
greater th an is n eeded or can be
u sed; excess
Abun dan ce = a large qu antity that
is m ore th an en ou gh
74. (1) I n adv er t en t l y = by acciden t;
wit h ou t in ten din g to, u n in t en -
tionally.
Pur posefu ll y = intention ally
75. (5) Germ an e = relevan t; conn ect-
ed with som eth in g
I r r el ev an t = n ot im portan t to or
con n ected with a situ ation
RBI GRADE–B
OFFICER EXAMS
1. (4) Som ething or som eon e th at is
au daci ou s tak es risk s in order
t o ach i eve som eth i n g. For ex -
ample : an au daciou s plan to win
th e presiden cy.
Ve n t u r o u s or v e n t u r e so m e
m ean s ready to tak e risk s, dar -
i n g: you n g ch i l dr en b ecom in g
m ore ven tu rou s in th eir u se of
lan gu age.
So, au daci ou s an d v en t u r ou s
are syn on ym ou s. Hen ce th e an -
swer is (4 ).
Abst r u se m ean s difficu lt to u n -
derst an d.
2. (2) Ex t ol (Verb) m ean s to praise
som ebody/ som ethin g h igh ly.
For exam ple,
(1) Govern m en t m in isters began
to extol th e virtu es of liberalism .
(2) He was extolled as a h ero.
Eu l ogi se (Verb) m ean s to praise
som ebody/ som eth in g h igh ly in
speech or writin g.
-408-

For exam ple,
Sh e a l w a y s E u l o gi ses h er
ch ildren ’s ach ievem en ts.
So, ex t ol an d Eu l ogi se are syn -
on ymou s.
3. (2) A r ecl u se i s a p er son wh o
lives alone and deliberately avoids
oth er people.
For exam ple,
His widow becam e a virtu al re-
clu se for the remain der of her life.
A pan dem i c is an occu rren ce of
a d i s eas e t h at effect s m a n y
people over a very wide area.
For exam ple,
Th e AIDS pan dem ic has h igh -
ligh t ed m an y d eficien ci es in
pu blic h ealth care throu gh ou t
th e world.
If an object or su bstan ce is
t r an sp ar en t , y ou can see
th rou gh it.
If a situ ation , system , or ac-
tivity is t ran spar en t , it is eas-
ily u n derstood or recogn ised.
l If an object or su bstan ce is
opaque, you can’t see th rou gh
it.
l If you say th at som eth in g is
opaqu e, you m ean th at it is
difficu lt to u n derstan d.
In com p ari son , we fin d th e
w or d s t r a n s p a r e n t a n d
opaque anton ym ou s.
4. (3) l A d i m i n u t i v e p er son or
object is very sm all.
For exam ple,
Her eyes scan n ed th e room u n til
th ey cam e to rest on a dim in u -
tive figu re stan din g at
th e en tran ce.
l A di m i n u t i v e is an in form al
from of a n am e.
l A di m i n u t i ve is a su ffix which
is added to a word to sh ow
affect ion or to in di cat e th at
someth in g is small.
Di m i n u t i v e means very small.
So l ar ge is th e au ton ym of di -
m i n u t i ve.
5. (4) B — D
6. (1) Pr ol i x (Adj ect ive) m ean s (of
a speech , wr iter, etc.) u sin g t oo
m an y words an d so borin g to lis-
ten t o or read : a prolix speak er.
Her style is tediou sl y pr oli x.
Pr ol i x i t y is th e Nou n form of th e
word p roli x.
So, th e word pr ol i x i t y and brev -
i t y are clear ly an ton ym ou s.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
SYNONYMS & ANTONYMS (RELATIVE)
Br ev i t y m ean s sh or t n ess or
br iefn ess; con cisen ess.
For ex am pl e,
He is ver y fam ou s for th e brev-
it y of h is speech es.
7. (5) Su ffu se (verb ) m ean s spread
al l over som et h in g.
For ex am pl e,
Th e even i n g sk y was su ffu sed
wit h cr im son .
Dep l et e (ver b ) m ean s r ed u ce
gr eat ly t h e qu an ti ty, size, power
or valu e of (som eth in g).
So, su ffu se m ean s sp read an d
deplet e mean s redu ce or sh rink .
Hen ce th ey are an t on ym ou s.
8. (2) Delect abl e (Adjective) m ean s
deligh tfu l; pleasan t : a delectable
meal.
For ex am pl e,
Wh at a delectab le lit tle gir l !
So, delect abl e an d ch arm i n g are
syn on ym ou s word s.
9. (4) B e n e v o l e n t (A d j ec t i v e)
m ean s doin g good rat h er th an
m ak i n g profit; ch aritable.
For ex am pl e,
l ben evol en t in sti tu ti on / soci -
et y/ fu n d .
Hen ce, ben ev o l en t an d ch ar i -
t abl e are perfectly syn on ym ou s.
10. (3 ) I n t ol er an t an d er u dan t are
an tonym ou s words so the an swer
is (3 ).
11. (3) Th e wor ds ‘gen u in e an d tru e’
are syn on ym ou s.
12. (3) Th e words ‘p erm it an d san c-
tion ’are syn on ym ou s.
13. (4) Th e word s ‘sol em n ’an d ser i-
ou s are syn on ym ou s.
14. (2) Th e words ‘m inu te an d exact’
are syn on ym ou s.
15. (2) Th e word s ‘apt an d r elevan t’
are syn on ym ou s.
INSURANCE EXAMS
1. (3) Th e word Defer (Ver b) m ean s :
to delay som eth in g u n til a later
tim e; pu t off.
Look at t h e sen t en ce :
Th e d ep ar t m en t d efer r ed t h e
decision for eigh t m on th s.
H en ce, t h e w or d s D ef er an d
Post pon e are syn onym ou s.
2. (4) Th e word Du bi o u s (Adj ec -
t i v e) m ean s : dou btfu l; n ot cer -
tain and slightly su spiciou s abou t
someth in g.
Look at t h e sen t en ce :
He was rather du biou s abou t th e
wh ole idea.
Hen ce, th e words Du bi ou s an d
Dou bt fu l are syn on ym ou s.
3. (2) Th e word Coar se (Adj ect i v e)
m ean s : rou gh ; ru de an d offen -
sive; vu lgar.
4. (1) Th e word Pr ox i m i t y (Nou n )
m ean s : th e state of bein g n ear
som ebody/ something.
Look at t h e sen t en ce :
Th e area has a n u m ber of sch ools
in close proxim ity to each oth er.
Hence, th e words Prox i m i t y an d
Nearn ess are syn on ymou s.
5. (3) Th e w or d A b st ai n (Ve r b )
m ean s : to stay away from som e-
th in g.
Look at t h e sen t en ce :
Th e work ers wh o abstain ed from
work yesterday h ave been su s-
pen ded.
Th e word Refr ai n (Ver b) m ean s
desist from ; to stop you rself from
doin g som eth ing.
Look at t h e sen t en ce :
Th ey h ave refrain ed from criti-
cizin g th e govern m en t in pu blic.
Hen ce, th e wrods Abst ai n an d
Refrai n are syn on ymou s.
6. (1) Th e word I n di ffer en t (Adj ec-
t i v e) m ean s : h avin g or sh owin g
n o in terest in som ebody/ som e-
th in g; n ot very good.
Th e word Cu r i ou s (Adj ec t i v e)
m ean s : h avin g a stron g desire
to k now abou t someth ing; inqu is-
itive.
Hence, th e words In di fferen t and
Cu r i ou s are an ton ym ou s.
7. (4) The word Di screet (Adject i ve)
m ean s : carefu l in wh at you say
or do; tactfu l.
Look at t h e sen t en ce :
H e was al way s ver y d i scr eet
abou t h is love affairs.
Hen ce, th e words Di scr eet an d
Car el ess are an ton ymou s.
8. (3) Th e word Obsol et e (Adj ec-
t i v e) m ean s : n o l on ger u sed
b ecau se som et h i n g n ew h as
been in ven ted; ou t of date.
Hen ce, th e words Obsol et e an d
Cur r en t are an ton ym ou s.
9. (2) The word Rat i on al (Adject i ve)
m ean s : based on reason rath er
th an em otion s; reasonable.
-409-

Look at t h e sen t en ce :
Th ere is n o ration al explan ation
for h is action .
Th e wor d i n san e (A d j ec t i v e)
means : seriou sly men tally ill and
u n able to live in n orm al society;
very stu pid, crazy or dan gerou s.
Th e words Rat i on al an d I n san e
are antonym ou s.
10. (2) Th e word Scept i cal (Adj ec-
t i v e) m ean s : havin g dou bts th at
a claim or statem en t is tru e or
th at som eth in g will h appen .
Look at t h e sen t en ce :
I am sceptical abou t h is ch an ces
of win n in g.
The word Con v i n ced (Adj ect i ve)
m ean s : com pletely su re abou t
someth in g.
Look at t h e sen t en ce :
He is con vin ced of her in n ocen ce.
Hen ce, th e words Scept i cal an d
Con v i n ced are an ton ym ou s.
11. (1) Th e w or d I n v al i d (No u n )
m ean s : sick ; n ot legally accept-
able; ill.
H en ce, t h e wor ds i n v al i d an d
h eal t h y are an ton ym ou s.
12. (3) The word Magn an i m i t y (Noun )
m ean s : k in dn ess, gen erosity.
Th e word M ean n ess m ean s : u n -
k in dn ess.
Hen ce, th e words m agn an i m i t y
an d m ean n ess are an ton ym ou s.
13. (3) Th e word Su per fi ci al (Adj ec-
t i v e) m ean s : n ot con cern ed with
anything seriou s or important and
lack ing any depth of u n derstand-
in g or feelin g; sh allow.
Hence, th e words super fi ci al an d
deep are an ton ym ou s.
14. (4) Th e word M ar (Ver b) m ean s :
t o d am age or sp oi l som et h i n g
good; bligh t, ru in .
Look at t h e sen t en ce
Th e gam e was m ar r ed b y t h e
beh aviou r of dru n k en fan s.
Hen ce, th e words m ar an d m ak e
are antonym ou s.
15. (3) Th e word Mat er i al (Adject i v e)
m ean s : con n ected with m on ey,
possession s etc rath er th an with
th e n eeds of th e m in d or spirit.
Th e word Spi r i t u al (Ad j ect i v e)
m ean s : con n ected with th e h u -
m an spirit rath er th an th e body
or ph ysical th in gs.
Hen ce, th e words m at er i al an d
spi r i t u al are an ton ymou s.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
SYNONYMS & ANTONYMS (RELATIVE)
16. (3) Th e w o r d A b so l v e (Ver b )
m ean s : t o st ate for m all y th at
som ebody is n ot gu ilty or respon -
sible for som eth in g.
Look at t h e sen t en ce :
Th e cou rt absolved h im of all re-
spon sibility for th e acciden t.
Hen ce, th e wor ds absol v e an d
acqui t are syn on ymou s.
17. (1) T h e w or d B e h e s t (N o u n )
m ean s : order; com m an d.
18. (4) T h e w o r d A d h e r e (Ve r b )
m ean s : to stick firm ly to som e-
th in g.
Look at t h e sen t en ce :
On ce i n th e b lood str eam , th e
bacteria adh ere to th e su rface of
th e red cells.
19. (2) Th e wor d Fr agm en t (Nou n )
m eans : a small part of som eth in g
that h as brok en off or com es from
som eth in g larger.
Look at t h e sen t en ce :
Police fou n d fragm en ts of glass
n ear th e scen e.
Hen ce, th e words fr agm en t an d
por t i on are syn on ymou s.
20. (4) T h e w o r d E n d o r s e m e n t
(Nou n ) m ean s : a pu blic st ate-
m en t or action sh owin g th at you
su pport som ebody/ som eth in g.
Hen ce, th e words en dor sem en t
an d appr ov al are syn on ym ou s.
21. (4 ) T h e w or d E x o r b i t a n t
(Ad j ect i v e) m ean s : m u ch t oo
high.
Look at t h e sen t en ce :
Sellers ch arge exorbitan t prices
of th eir produ cts.
Th e word M oder at e (Adj ect i v e)
m ean s : th at is n eith er very good,
large n or very bad, sm all; m ild;
m ediocre.
22. (1) Th e word Hu m an e (Adject i v e)
m ea n s : sh o w i n g k i n d n es s
towards people an d an im als.
Its an ton ym sh ou ld be cr u el .
23. (3) Th e word Obsol et e (Adject i v e)
m ean s : n o lon ger u sed becau se
s o m et h i n g n ew h a s b een
in ven ted; ou t of date.
Th e word Ren ov at ed (Adj ect i v e)
m ean s : to repair som eth in g so
th at it is in good con dition again .
24. (1 ) Th e wor d Su p p r ess (Ver b)
m ean s : to pu t an en d; qu ash ; to
preven t som eth in g from growin g,
developin g.
T h e w or d St i m u l a t e (Ve r b )
m ean s : to ex ci t e; t o rou se; t o
m ak e som eth in g develop.
25. (4 ) T h e w o r d F a s t i d i o u s
(Ad j ec t i v e) m ean s : cau t i ou s;
bein g carefu l; m eticu lou s.
Look at t h e sen t en ce :
E ver y t h i n g w a s p l an n ed i n
fastidiou s detail.
26. (3) Th e word Em an ci pat e (Ver b)
m ean s : to free som ebody; to set
fr ee.
Look at t h e sen t en ce :
Slaves were em an cipated.
27. (4 ) Th e wor d H am p er (Ve r b )
m ea n s : h i n d er ; t o p r even t
som ebody from easily doin g or
ach ievin g som eth ing.
28. (2 ) T h e w o r d D e s p i c a b l e
(Adject i ve) m eans : contemptible;
very u n pleasan t ; n ot deser vi n g
an y respect at all.
29. (1 ) Th e w o r d C l a n d e s t i n e
(Adj ect i v e) m ean s : don e secretly
or k ept secret.
30. (4 ) Th e w o r d Gr a t i f y (Ve r b )
m ean s : t o p l ease or sat i sfy
som ebody.
31. (2) Th e word Credi bl e (Adj ect i ve)
m ean s : th at can be believed or
tru sted; con vin cin g.
32. (1 ) Th e w o r d D e s p i c a b l e
(A d j e c t i v e ) m ea n s : v er y
u npleasan t or evil; con tem-ptible.
33. (2) The word Lusci ous (Adject i ve)
m ean s : h avin g a stron g pleasan t
taste; deliciou s; rich .
Th e word I n si pi d m ean s : h avin g
a l m o s t n o t a s t e o r fl a v ou r ;
flavou rless.
34. (1 ) Th e w o r d U n d u l a t i n g
(Adject i ve) mean s : m oving gently
u p an d down lik e waves.
Th e word Fl at m ean s : h avin g a
l evel su r face, n ot cu r ved or
slopin g.
35. (2 ) Th e w o r d Su p e r f i c i a l
(Ad j ect i v e) m ean s : sh al l ow;
lack in g depth .
Its an ton ym sh ou ld be deep.
36. (1 ) Th e word Su pp r ess (Ver b)
m ean s : to preven t som eth i n g
from growin g; to pu t an en d.
Th e word St i m u l at e m ean s : to
m ak e som et h i n g d evel op ; t o
m ak e som eb od y ex ci t ed an d
in terested abou t someth in g.
37. (2) Th e wor d Lu sci ou s (Adj ec-
t i v e) m ean s : deliciou s; cloyin g;
h avin g a stron g pleasan t taste;
rich .
-410-

Th e wor d I n si p i d (Ad j ec t i v e)
m ean s : h avin g alm ost n o taste ;
or flavou r; flavou rless; not in ter -
estin g or excitin g.
38. (3) Th e word H aph azar d (Adj ec-
t i v e) m ean s : with n o particu lar
order or plan , n ot organ ised well;
casu al; random .
The word deli berat e means : done
on pu rpose rath er th an by acci-
den t; in ten tion al; plann ed.
39. (1) The word Ev asi ve (Adj ect i v e)
m ean s : n ot willin g to give clear
an swer to a qu estion ; cagey.
Th e word Fr an k m ean s : h on est
an d direct in wh at you say.
40. (4) Th e word Dest i t u t e (Adj ec-
t i ve) means : withou t money, food
an d th e oth er th in gs n ecessary
for life.
Th e wor d Af fl u en t (Ad j ec t i v e)
m ean s : prosperou s; h avin g a lot
of m on ey an d a good stan dard of
livin g; wealth y.
41. (3) Th e w or d D e ar t h (No u n )
m ean s : scarcity; a lack of som e-
th in g.
Th e w or d Ab u n d an c e (No u n )
m ean s : a large qu an tity th at is
m ore th an en ou gh .
42. (1) Th e w or d B e h e st (No u n )
m ean s : order; com m an d.
43. (2) Th e word Col o ssu s (No u n )
m ean s : extrem ely large; h u ge.
44. (3) T h e w o r d D e f e r (Ve r b )
m ean s : to delay som eth in g u n til
a later tim e; pu t off; postpon e.
45. (2) T h e w o r d E x a s p e r a t i o n
(Nou n ) m ean s : an n oyan ce, in -
fu riation ; irritation .
46. (3) Th e word Fr agm en t (Nou n )
m ean s : part of som eth in g th at
h as b r ok en off or com es from
som eth in g larger; portion .
47. (4) Frugal (Adject i ve) = u sing only
as m u ch m on ey or food as is n ec-
essary; m eagre; m iserly.
E x t r av agan t (A d j e c t i v e )
= spen din g a lot m ore m on ey or
u sing a lot more of something than
is n ecessary; costin g a lot m ore
m on ey.
48. (2) Pr ogn osi s (Nou n ) = an opin -
ion based on m edical experien ce;
forecast.
Th e progn osis is for m ore people
to work part tim e in th e fu tu re.
49. (2) Poach (Ver b) = to illegally h u nt
birds; an im als or fish on som e-
body else’s property.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
SYNONYMS & ANTONYMS (RELATIVE)
50. (2) Suscept i ble (Adj ect i v e) = im -
p r essi on ab l e; ver y l i k el y t o b e
h armed or affected by som ebody/
someth in g.
I m m u n e (Adj ect i v e) = th at can -
n ot be affected by som eth in g.
51. (2) The word Exh ort (Verb) means
: to try h ard to persu ade som e-
body to do a som eth in g : u rge;
coax.
Look at t h e sen t en ce :
Th e p ar t y l ead er ex h or ted h i s
m em bers to start preparin g for
govern m en t.
52. (1) I n fam y (Nou n ) = state of be-
in g well k n own for somethin g bad
or evil; evil behaviou r; an evil act;
n otoriety.
53. (2) I n t r epi d (Adj ect i v e) = very
brave; not afraid of dan ger or dif-
ficu lties; fearless.
54. (4) Th e word Con si derat e (Adj ec-
t i v e) m ean s : always th in k in g of
oth er people’s wish es an d feel-
in gs; thou ghtfu l.
I n sen si t i v e (Adj ect i v e) = not re-
alisin g or carin g h ow oth er peo-
ple feel.
Sh e is always polite an d con sid-
erate towards h er em ployees.
55. (1) Cessat i on (Nou n ) = th e stop-
pi n g of som eth i n g; a pau se in
someth in g.
Com m en cem en t (Noun ) = begin-
nin g.
56. (2) Pr ocr ast i n at e (Ver b) = to de-
l ay d oi n g som et h i n g t h at you
sh ou ld do.
Ex pedi t e (Ver b) = to m ak e a pro-
cess h appen m ore qu ick ly; speed
u p.
57. (1) Rel i ev ed (Adj ect i v e) = feel-
in g h appy, exem pted.
58. (3) Repart ee (Nou n ) = respon se;
clever an d am u si n g com m en ts
an d replies th at are m ade qu ick -
ly.
59. (4) Assu r ed (Adj ect i v e) = con fi-
den t in you rself an d you r abili-
ties; gu aran teed.
60. (4) Fu r t h est (Adj ect i v e) = far -
th est (at or to th e greatest dis-
tance).
61. (3) Bar r en (Adj ect i v e) = in fer -
tile; n ot good en ou gh for plan ts
to grow on it; u n produ ctive.
62. (4) Bast i l l e (Nou n ) = fortress, a
bu ildin g or place th at h as been
m ad e st r on ger an d p r ot ect ed
again st attack , jail, prison .
Fop (Nou n ) = A m an wh o is too
in terested in h is cloth es an d th e
way h e look s.
Look at t h e sen t en ce :
Fear of terrorist attack h as tu rned
t h e con fer en ce cen t r e i n t o a
bastille.
63. (3) Con san gu i n i t y (Nou n ) = rela-
tion sh ip by birth in th e sam e fam-
ily.
Est r an gem en t (Nou n ) = n o rela-
tionship
Corpul en t (Adject i ve) = Fat.
64. (3) Ecst at i c (Ad j ect i v e) = ver y
h appy, excited an d en th u siastic.
En r ap t u r ed = fil led wi th gr eat
pleasu re, en ch an ted.
65. (4) Fl ak e (Nou n ) = a sm all part
Scu r f (Nou n ) = dan dru ff.
Bu n t i n g (Nou n ) = colou red flags
to decorate.
66. (4) Dreary = du ll an d n ot in ter -
estin g.
67. (3) I m pu l si v e = actin g su dden ly
with ou t th in k in g, rash , im petu -
ou s.
68. (2) Au r eat e = m ade of gold, dec-
orated in a com plicated way.
Gilded = covered with a th in lay-
er of gold.
69. (4) Lur i d (Adject i v e) = sen sation -
al, wan ; gh astly; too brigh t in co-
lou r; sh ock in g an d violen t.
Look at t h e sen t en ce :
Th e paper gave all th e lu rid de-
tails of th e m u rder.
70. (4) Cr ed en ce (Nou n ) = bel ief in
som eth in g as tru e
71. (3) Gar r u l ou s (Adj ect i v e) = talk -
ative; loqu aciou s; talk in g a lot.
Qu iet = m ak in g very little n oise
72. (2) H y p o c r i t i c al (Ad j ec t i v e) =
preten din g to h ave m oral stan -
dar d.
Si n cer e (Adj ect i v e) = gen u i n e;
h on est; sh owin g wh at you really
th in k or feel.
73. (4) Sq u i r t (No u n ) = spray; fast
stream of liqu id.
Spur t (Nou n ) = a su dden in crease
Gu sh (Nou n ) = a su dden stron g
feelin g
J ew r y = J ew i s h p eo p l e as a
grou p.
ppp
-411-
 SYNONYMS & ANTONYMS (RELATIVE)

MODEL EXERCISES
Di r ect i on s (1 -5 ) : In th e followin g 10. PERFUNCTORY 21. TRANSIENT
qu estion s, each word in capital letters (1) Qu ick (2) Slow (1) Urgen t (2) You thfu l
is followed by fou r words or ph rases. (3) Carefu l (4) Lou d (3) Original (4) Eternal
Ch oose th e on e wh i ch is sim i lar in
(5) Non e of th ese (5) Non e of th ese
m ean in g to th e word given in th e capi-
tal letters. Di r ect i on s (1 1 -2 0 ) : Ch oose th e 22. SUBLIME
word th at is sim ilar in m ean in g to th e (1) Base (2) Concise
1. ACCOUTREMENTS
word given in capital letters. (3) Partial (4) In sist
(1) Relatives (2) Companions
11. APPEASE (5) Non e of th ese
(3) Blem ishes (4) Belongings
(1) Agitate (2) Pacify 23. MANSION
(5) Non e of th ese
(3) Qu alify (4) Interru pt (1) Castle (2) Hovel
2. APOLITICAL
(5) Non e of th ese (3) Hou se (4) Hotel
(1) Antipolitical
(2) Terrarist 12. DEFILE (5) Non e of th ese
(3) Not in terested in politics (1) Pollu te (2) Disapprove 24. PARTITION
(4) Su bversive (3) Delay (4) Reveal (1) Maintain (2) Enjoin
(5) Non e of th ese (5) Non e of th ese (3) Un ify (4) Break
3. AZURE 13. DISPASSIONATE (5) Non e of th ese
(1) Blu e (2) Green (1) Immoral (2) Sensu al 25. PRIMITIVE
(3) Brown (4) Rou n d an d big (3) Impartial (4) Scien tific (1) Polite (2) Naive
(5) Non e of th ese (5) Non e of th ese (3) Weak (4) Soph isticated
4. BONHOMIE 14. RELISH (5) Non e of th ese
(1) Friendlin ess (1) Desire (2) Nibble Di r ect i on s (2 6 -3 0 ) : Ch oose th e
(2) Wrath (3) Savor (4) Avail word that is opposite in m ean in g to th e
(3) Very (5) Non e of th ese word given in capital letters.
(4) Gr eed 15. PUISSANT 26. TERMAGANT
(5) Non e of th ese (1) Weak (2) Articu late (1) Charming (2) Tu rbu lent
5. CANDOUR (3) Healthy (4) Powerfu l (3) Brawling (4) Shrewish
(1) Enthu siasm (2) Open n ess (5) Non e of th ese (5) Non e of th ese
(3) Freedom (4) In timacy 16. FLUCTUATION 27. TRANSIENT
(5) Non e of th ese (1) In crease (2) Change (1) Transitory (2) Fleeting
Di r ect i on s (6 -1 0 ) : A word is fol- (3) Stability (4) Decr ease (3) Perm an en t (4) Momen tary
lowed by fou r ‘words. Ch oose th e word (5) Non e of th ese (5) Non e of th ese
that is opposite in m ean in g to th e word 28. REGRESSION
17. BASHFUL
given in capital letters. (1) Reverse (2) Relapse
(1) Hau ghty (2) Di screet
6. ELAN (3) Regen erate (4) Retreat
(3) Shy (4) Up set
(1) Brash n ess (2) Dign ity (5) Non e of th ese
(5) Non e of th ese
(3) Composu re (4) Nervou sn ess 29. VENGEFUL
(5) Non e of th ese 18. TRIVIAL
(1) Significant (2) Momen tou s (1) Forgiving (2) Reven ge
7. IRASCIBLE (3) Vin dictive (4) Viciou s
(1) Kind (2) Frien dly (3) Unimportant (4) Critical
(5) Non e of th ese
(3) Rogu ish (4) Clever (5) Non e of th ese
30. TIRADE
(5) Non e of th ese 19. RIVALRY
(1) Censu re (2) Declam ation
8. NEBULOUS (1) Competition (2) Cooperation
(3) Discredit (4) Eu logy
(1) Con crete (2) Un k ind (3) Compromise (4) Campaign
(5) Non e of th ese
(3) Un dram atic (4) Unin terestin g (5) Non e of th ese
Di r ect i on s (3 1 -3 5 ) : Ch oose th e
(5) Non e of th ese 20. Collapse
word that is opposite in m ean in g to th e
9. PENCHANT (1) Rise (2) Failu re word given in capital letters.
(1) Disinclination (3) Rebirth (4) Debt 31. RAGAMUFFIN
(2) Lon e (5) Non e of th ese (1) Dan dy (2) Miser
(3) Directn ess Di r ect i on s (2 1 -2 5) : Ch oose th e (3) Bak er (4) Snack
(4) Lack of sk ill word th at is opposite in m ean in g to
(5) Non e of th ese
(5) Non e of th ese th e word given in capital letters.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-412-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
 SYNONYMS & ANTONYMS (RELATIVE)
32. IGNOBLE 44. FEIGN Di r ect i on s (5 6 -6 1 ) : Ch oose th e
(1) Hu ge (2) Worthy (1) Hesitate (2) Preten d word th at opposite in m ean in g to th e
(3) Kn own (4) Hypocritical (3) D eser ve (4) Attend word given in capital letters.
(5) Non e of th ese (5) Non e of th ese 56. COMPASSIONATE
33. LAX 45. ASSAY (1) In decisive
(1) Attack (2) Accept (2) Unsym pathetic
(1) Salty (2) Strict
(3) Case (4) Evalu ate (3) Un lawfu l
(3) Shrill (4) Boring
(5) Non e of th ese (4) Untru stworth y
(5) Non e of th ese
Di r ect i on s (4 6 -5 0 ) : Ch oose th e (5) Non e of th ese
34. NEBULOUS
word that is opposite in m ean in g to th e 57. RESTIVE
(1) Cold (2) Fu n dam en tal
word given in capital letters. (1) Bu oyant (2) Placid
(3) Porou s (4) Clear (3) Resistan t (4) In solent
46. SALUTATORY
(5) Non e of th ese (5) Non e of th ese
(1) Sad (2) Valedictory
35. NEOPHYTE (3) Derivative (2) Promising 58. GRADUAL
(1) Veteran (2) Violence (5) Non e of th ese (1) En ergetic (2) Dynamic
(3) Desperado (4) Prodigal (3) Rapid (4) En thu siastic
47. TRACTABLE
(5) Non e of th ese (1) Irreligiou s (5) Non e of th ese
Di r ect i on s (3 6 -4 0 ) : Ch oose th e (2) Incapable 59. RUDIMENTARY
word th at is sim ilar in m ean in g to th e (1) Developed (2) Polite
(3) Un man ageable
word given in capital letters.
(4) Un real (3) Pale (4) Weak
36. OMINOUS (5) Non e of th ese
(5) Non e of th ese
(1) Th reaten in g (2) Powerfu l 60. SALVAGE
48. CYNICAL
(3) Ubiqu itou s (4) Bu rdensom e (1) Burn (2) Remove
(1) Tru sting (2) Gallant
(5) Non e of th ese (3) Con fu se (4) Lose
(3) Brazen (4) Tiresom e
37. PROCRASTINATE (5) Non e of th ese (5) Non e of th ese
(1) Multiply (2) Irregu lar 49. GRISLY 61. SEDENTARY
(3) Postpon e (4) Predict (1) Fragran t (2) Haggard (1) Vivid (2) Afraid
(5) Non e of th ese (3) Pleasant (4) Shapely (3) In dolent (4) Active
38. HIATUS (5) Non e of th ese (5) Non e of th ese
(1) Atrociou s (2) Gap 50. CADAVEROUS Di r ect i on s (6 2 -7 6 ) : Ch oose th e
(3) Dom inan ce (4) Obscu re (1) Sk illfu l (2) Ob ese word th at is sim ilar in m ean in g to th e
word given in capital letters.
(5) Non e of th ese (3) Lu cid (4) In qu isitive
62. BLASE
39. FOMENT (5) Non e of th ese
(1) Blank (2) Beau tifu l
(1) Vex (2) Waste Di r ect i on s (5 1 -5 5 ) : Ch oose th e
(3) In differen t (4) Credible
(3) Ren ou nce (4) Instigate word that is opposite in m ean in g to th e
word given in capital letters. (5) Non e of th ese
(5) Non e of th ese
51. SOLICITOUS 63. CATERWAUL
40. VAGARY
(1) Con cern ed (2) In differen t (1) Serve (2) Howl
(1) Caprice (2) Emptin ess (3) Scribble (4) Salu te
(3) Eager (4) Noisy
(3) Enthu siasm (4) Tru thfu ln ess (5) Non e of th ese
(5) Non e of th ese
(5) Non e of th ese 64. HAUTEUR
52. RAMPANT
Di r ect i on s (4 1 -4 5 ) : Ch oose th e (1) Arrogance (2) Fashion
(1) Fu riou s (2) Stylish
word th at is sim ilar in m ean in g to th e (3) Hatred (4) Crop
word given in capital letters. (3) Restrain ed (4) Healthy
(5) Non e of th ese (5) Non e of th ese
41. MACABRE 65. PADDY
(1) Inn ocen t (2) Tarried 53. PROLIFIC
(1) Barren (2) Back ward (1) Race track (2) Car ess
(3) Gru esom e (4) Pleasing (3) Rice (4) Highland
(3) Reck less (4) Profou nd
(5) Non e of th ese (5) Non e of th ese
(5) Non e of th ese
42. DENOUEMENT 66. DISCURSIVE
54. SEQUESTER
(1) Ou tcome (2) Esch ew (1) Rambling (2) Impolite
(1) Slu mp (2) Isolate
(3) Action (4) Character (3) Neglectfu l (4) Methodical
(3) Un ify (4) Simple
(5) Non e of th ese (5) Non e of th ese
(5) Non e of th ese
43. MANACLE 67. PREJ UDICE
55. TRITE
(1) Fet ter (2) Ornament (1) Aversion (2) Gestation
(1) Hack n eyed (2) Correct
(3) Spectacles (4) Or der (3) Prelim inary (4) Admiration
(3) Original (4) Certain
(5) Non e of th ese (5) Non e of th ese
(5) Non e of th ese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-413-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
 SYNONYMS & ANTONYMS (RELATIVE)
68. GOAD 79. WANTON 91. GAUCHE
(1) Spu r (2) Restrain (1) Sportive (2) Arden t (1) Vain (2) Rich
(3) Pu rsu e (4) Su persede (3) Fragile (4) Di screet (3) Polish ed (4) Tactless
(5) Non e of th ese (5) Non e of th ese (5) Non e of th ese
69. FAD 80. FINESSE 92. BROWBEAT
(1) Eccen tricity (2) Cu stom (1) Atrocity (2) Weak n ess (1) Ambitiou s (2) Challenging
(3) Con stitu ent (4) Visage (3) Tact (4) Clu msiness (3) Intimidate (4) Tarnish
(5) Non e of th ese (5) Non e of th ese (5) Non e of th ese
70. REFERENCE 81. IGNITE Di r ect i on s (9 3 -9 8 ) : Sel ect t h e
(1) Disdain (1) Kin dle (2) Attach word that is opposite in m ean in g to th e
word in capital letters.
(2) Rem u neration (3) Extingu ish (4) Split
93. SCRIMP
(3) Opposite (5) Non e of th ese
(1) Lavish (2) Parsim oniou s
(4) Restrospection Di r ect i on s (8 2 -8 7 ) : Ch oose th e
word th at is sim ilar in m ean in g to th e (3) Meticu lou s (4) Polite
(5) Non e of th ese
word given in capital letters. (5) Non e of th ese
71. ZEAL
82. PROPITIOUS 94. DELECTABLE
(1) In itiative (2) Coarsen ess
(1) Favou rable (2) Similar (1) Agonising (2) Appetising
(3) Pedagogy (4) Indolen ce (3) Distastefu l (4) Laboriou s
(3) Hu mble (4) Versatile
(5) Non e of th ese (5) Non e of th ese
(5) Non e of th ese
72. GIST 95. GRAVE
83. TALISMAN
(1) Contribu tion (1) Noble
(1) Fiction (3) Charm
(2) Su bstance (2) In con sequ ential
(3) Aptitu de (4) Stren gth
(3) Prestige (3) Solemn
(5) Non e of th ese
(4) Accessory (4) Sen ile
84. PENURY
(5) Non e of th ese (5) Non e of th ese
(1) Destitu tion (2) Digestive
73. SOLICITOUS 96. CONFIDANT
(3) Pen sion (4) Vigou r
(1) Nonchalant (2) Firm (1) Tu rncoat (2) Arrogant
(5) Non e of th ese
(3) Reveren tial (3) Worried (3) Con federate(4) Firm
85. AFFRONT
(5) Non e of th ese (5) Non e of th ese
(1) Exile (2) Contou r
74. HOMELY 97. AMALGAMATE
(3) Eru ption (4) Indignity
(1) Refin ed (2) Plain (1) Mer ge (2) Con secrate
(5) Non e of th ese
(3) Reliable (4) Amiable (3) Im poverish (4) Split
86. AMICABLE
(5) Non e of th ese (5) Non e of th ese
(1) Nebu lou s (2) Abominable
75. LOQUACIOUS 98. BOISTEROUS
(3) Harmon iou s (4) Delicate
(1) Verb ose (2) Tacitu rn (1) Ser en e (2) Tumultu ou s
(5) Non e of th ese
(3) Rational (4) Alluring (3) Brazen (4) Opaqu e
87. DREGS
(5) Non e of th ese (5) Non e of th ese
(1) Cream (2) Power
76. PACIFY Di r ect i on s (9 9 -10 1 ) : Ch oose th e
(3) Debris (4) Accoutrements word th at is sim ilar in m ean in g to th e
(1) Placate (2) Rou tse
(5) Non e of th ese word given in capital letters.
(3) Harass (4) Rejoice
Di r ect i on s (8 8 -9 2 ) : Ch oose th e 99. IMPOSTURE
(5) Non e of th ese word th at is sim ilar in m ean in g to th e (1) Claim (2) Statu s
Di r ect i on s (7 7 -8 1 ) : Sel ect t h e word given in capital letters. (3) Destru ction (4) Deception
word that is opposite in m ean in g to th e 88. LOQUACIOUS
word in capital letters. (5) Non e of th ese
(1) Obstin ate (2) Secon dary 100. PROBOSCIS
77. PERTINENT
(3) Talk ative (4) Competitive (1) Search (2) Probe
(1) Appropriate (2) Pleasant
(5) Non e of th ese (3) Snou t (4) Prove
(3) Extran eou s (4) Paltry
89. WAIVE (5) Non e of th ese
(5) Non e of th ese
(1) Restrict (2) Relax 101. PARLEY
78. SLOPPY (3) Perm it (4) Admit (1) Discu ss (2) Deliver
(1) Meticu lou s (5) Non e of th ese (3) Sweeten (4) Race
(2) Inappropriate 90. ELAN (5) Non e of th ese
(3) Robu st (1) Flair (2) Spritu al Di r ect i on s (1 0 2 -1 0 6 ) : Select th e
(4) Gu llible (3) Inspiration (4) Boredom word that is opposite in m ean in g to th e
(5) Non e of th ese (5) Non e of th ese word in capital letters.

I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-414-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
 SYNONYMS & ANTONYMS (RELATIVE)
102. ASSET 112. Man y of th e stu den ts at th e h igh 120. PREDILECTION
(1) Credibility (2) Liability school th ou ght the compu ter clu b (1) Antipathy (2) Ign oran ce
(3) Poverty (4) Prosperity was for n eeds. (3) Disson ance (4) Disharm ony
(5) Non e of th ese (1) Du ll person s(2) Pran k sters (5) Non e of th ese
103. SMOTHER (3) Experts (4)Ch eaters Di r ect i on s (1 2 1 -1 2 5 ) : Select th e
(1) Repress (2) Ch eer (5) Non e of th ese word th at is sim ilar in m ean in g to th e
113. Th e football coach h ad a sym pa- word given , in capital letters.
(3) Nu rtu re (4) Irritate
t h et i c p r esen ce, al b ei t a com - 121. FURLOUGH
(5) Non e of th ese
m an ding one. (1) Soldiers h oliday
104. REPRIMAND
(1) Although (2) Fu rth er m ore (2) Wild growth
(1) Reward (2) Appreciate
(3) Becau se (4) Not only (3) Wooden plou gh
(3) En cou rage (4) Praise
(5) Non e of th ese (4) Till
(5) Non e of th ese
Di r ect i on s (1 1 4 -1 1 6 ) : Fin d th e (5) Non e of th ese
105. TANGIBLE
two words wh ich are m ost n early th e 122. PUNCTILIOUS
(1) Gen tle (2) Elu sive sam e or opposite in m eaning and m ark (1) Pru de (2) Wastefu l
(3) Refin ed (4) Palpable th e n u m ber of th e correct letter com - (3) Meticu lou s (4) Timid
(5) Non e of th ese bination. (5) Non e of th ese
106. ZOOM 114. HAIL 123. ENCOMIUM
(1) Soothe (2) Plummet (A) Call ou t to (B) Pu ll (1) Ver ve (2) Eu logy
(3) Su bju gate (4) Refu te (C) Compel (D) Aclaim (3) Doggerel (4) For ce
(5) Non e of th ese (1) (A) an d (D) (2) (A) an d (C) (5) Non e of th ese
Di r ect i on s (1 0 7 -1 0 8 ) : A word is (3) (A) an d (B) (4) (B) an d (D) 124. INVID IOUS
followed by fou r wor ds. Ch oose t h e (5) Non e of th ese (1) Irritable (2) Harsh
word th at is Opposite in m ean in g to 115. BUCKLE (3) Sinfu l (4) Unpopu lar
th e word given in capital letters. (A) Dislodge (B) Becom e ten se (5) Non e of th ese
107. DOCILE (C) Cru m ple (D) Fasten 125. LACHRYMOSE
(1) Un man ageable (2) Du tifu l (1) (A) an d (C) (2) (A) an d (B) (1) Ter se (2) Mou rnfu l
(3) Su bm issive (4) Painfu l (3) (B) an d (D) (4) (C) an d (D) (3) In decen t (4) Lech erou s
(5) Non e of th ese (5) Non e of th ese (5) Non e of th ese
108. EQUIVOCAL 116. BLAZE Di r ect i on s (1 2 6 -1 3 0 ) : In each of
(1) Mistak en (2) Quaint (A) A m ark on a tree th ese qu estion s, a word is u n derlin ed
(3) Clear (4) Universal (B) Ennu i in th e given sen ten ce. For th e u n der -
lined word, fou r words are listed beiow.
(5) Non e of th ese (C) Flood
Ch oose th e word n earest in m ean in g
Di r ect i on s (1 0 9 -1 1 3 ) : In each of (D) Fire to th e u n derlin ed word.
th ese qu estion s, a word is u n derlin ed (1) (A) an d (B) (2) (A) an d (C) 126. Th ey are carryin g ou t a ch arade
in th e given sen ten ce. For th e u n der -
(3) (A) an d (D) (4) (C) an d (D) of n egotiation s with th e govern -
lin ed word, fou r words are listed be-
(5) Non e of th ese m en t.
low. Ch oose the word n earest in m ean -
(1) Series
in g to th e u n derlin ed word. Di r ect i on s (1 1 7 -1 2 0 ) : A word is
followed by fou r wor ds. Ch oose t h e (2) Charter
109. We arrived safely at th e qu ay an d
wen t ash ore. word th at is Opposite in m ean in g to (3) Absu rd preten ce
th e word given in capital letters. (4) Spate
(1) Penin su la (2) Wh arf
117. PROSAIC (5) Non e of th ese
(3) Target (4) Island
(1) Pen sive (2) Im agin ative 127. Th e in dividu al’s freedom is cir -
(5) Non e of th ese
(3) Rh etorical (4) Pacified cu m scribed by h is respon sibility
110. E d i t o r s a r e k n o w n t o b e to oth ers.
per n ick ety abou t gram mar. (5) Non e of th ese
(1) Limited (2) En tan gled
(1) Spitefu l (2) Careless 118. LEVITY
(3) Destr oyed (4) Eroded
(3) Fu ssy (4) Ignorant (1) Praise (2) Blame
(5) Non e of th ese
(5) Non e of th ese (3) Solemnity (4) Frivolity
128. In dian s are lik ely to be paroch ial.
111. I rath er lik e the qu ain t little h ou se (5) Non e of th ese
(1) Gen erou s
at th e en d of th e street. 119. OBLOQUY
(2) Narrow-minded
(1) Old (2) Qu iet (1) Praise (2) Cru el
(3) Brave
(3) Hau nted (4) Unu su al (3) Slander (4) Dialogu e (4) Sh ort-sighted
(5) Non e of th ese (5) Non e of th ese (5) Non e of th ese
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 SYNONYMS & ANTONYMS (RELATIVE)
129. I was discom fited to fin d th e boss (5) Non e of th ese 147. TSTHNAIE
in th e disco. 137. (A) Elevate (B) Fru gal (1) denial (2) decorate
(1) Irritated (C) Exu lt (D) Lament (3) carefu l (4) willing
(2) Uncomfortable (1) C - D (2) B - C (5) Non e of th ese
(3) Em barrassed (3) A - B (4) B - D 148. NIETEMARG
(4) Displeased (5) Non e of th ese (1) con scien ce (2) terminate
(5) Non e of th ese 138. (A) Affect ed (B) Desolate (3) confrontation (4) considerate
130. He spen t m ost of h is years de- (C) Anxiou s (D) Lonely (5) Non e of th ese
bu n k ing politician s. (1) B - D (2) A - C 149. TENALSGERI
(1) Exposing (2) Cheating (3) B - C (4) A - D (1) com fortable
(3) Th reaten in g (4) Pacifyin g (5) Non e of th ese (2) combu stible
(5) Non e of th ese Di r ec t i on s (1 3 9 -1 4 2 ) : Ch oose (3) con fess
Di r ect i on s (1 3 1 -1 3 3 ) : In each of th e word th at is sim ilar in m ean in g to (4) specialist
th ese qu estion s, fou r words are given th e word given in capital letters. (5) Non e of th ese
of wh ich two words are m ost n early 139. SERENDIPITY
th e sam e or opposite in m ean in g. Fin d
th e two words wh ich are m ost n early
(1) Peace (2) Lu ck SHORT ANSWERS
th e sam e or opposite in m ean in g an d (3) Joy (4) Fate
m ark th e n u m ber of th e correct letter (5) Non e of th ese
1. (4) 2.(3) 3.(1) 4.(1)
com bin ation as you r an swer. 140. VITRIOLIC
131. (A) Disru ption (B) Largesse 5.(2) 6.(4) 7.(2) 8.(1)
(1) Maliciou s (2) Lik ely
(C) Affection (D) Meann ess (3) Alcoholic (4) Fragile 9.(1) 10.(3) 11.(2) 12.(1)
(1) B - D (2) B - C (5) Non e of th ese 13.(3) 14.(3) 15.(4) 16.(2)
(3) C - D (4) A - C 141. PUCKISH
(5) Non e of th ese 17.(3) 18.(3) 19.(1) 20.(2)
(1) Cheerfu l (2) Disc-lik e
13 2. (A) Awfu l (B) Enviou s (3) Gu llible (4) Mischievou s 21.(4) 22.(1) 23.(2) 24.(3)
(C) Pleasant (D) Fair (5) Non e of th ese 25.(4) 26.(1) 27.(3) 28.(3)
(1) A - B (2) A - C 142. DAPPER
(3) B - C (4) B - D 29.(1) 30.(4) 31 .(1) 32.(2)
(1) Un spoilt (2) Chaste
(5) Non e of th ese (3) Inn ocen t (4) Neat 33.(2) 34.(4) 35.(1) 36.(1)
133. (A) Seren e (B) Jealou s (5) Non e of th ese 37.(3) 38.(2) 39.(4) 40.(1)
(C) Iden tical (D) Calm Di rect i on s (1 43 -1 46 ) : Select th e
(1) A - B (2) A - D word that is opposite in m ean in g to th e 41.(3) 42.(1) 43.(1) 44.(2)
(3) A - C (4) B - C word in capital letters. 45.(4) 46.(2) 47.(3) 48.(1)
(5) Non e of th ese 143. SUBSERVIENT
49.(3) 50.(2) 51.(2) 52.(3)
Di r ect i on s (1 3 4 -1 3 8 ) : In each of (1) Dign ified (2) Leth al
th ese qu estion s, fou r words are given (3) Hu mble (4) Honest 53.(1) 54.(3) 55.(3) 56.(2)
of wh ich two words are m ost n early (5) Non e of th ese 57.(2) 58.(3) 59.(1) 60.(1)
th e sam e or opposite in m ean in g. Fin d 144. DISTRAUGHT
th e two words wh ich are m ost n early 61.(4) 62.(3) 63.(2) 64.(1)
(1) Hau ghty (2) Calm
th e sam e or opposite in m ean in g an d 65.(3) 66.(1) 67.(1) 68.(1)
m ark th e n u m ber of th e correct letter (3) Stable (4) Low
com bin ation as you r an swer. (5) Non e of th ese 69.(1) 70.(4) 71.(1) 72.(2)
134. (A) En th rallin g (B) Respectin g 145. MYOPIC
73.(4) 74.(2) 75.(1) 76.(1)
(C) Projectin g (C) Alluring (1) Black (2) Gloomy
(3) Farsigh ted (4) Perfu m ed 77.(3) 78.(1) 79.(4) 80.(4)
(1) A - B (2) C - D
(3) B - C (4) A - D (5) Non e of th ese 81.(3) 82.(1) 83.(2) 84.(1)
(5) Non e of th ese 146. TENACIOUS
85.(4) 86.(3) 87.(3) 88.(3)
135. (A) Swoop (B) Pertu rb (1) Fain t-h earted
(2) Yielding 89.(2) 90.(1) 91.(4) 92.(3)
(C) Plu mb (D) Boil
(1) A - D (2) A - C (3) Erron eou s 93.(1) 94.(3) 95.(2) 96.(1)
(3) B - C (4) B - D (d) Praiseworth y
97.(4) 98.(1) 99.(4) 100.(3)
(5) Non e of th ese (5) Non e of th ese
Di r ect i on s (1 4 7 –1 4 9 ) : Rear - 101.(1) 102.(2) 103.(3) 104.(2)
136. (A) Fallacy (B) Adage
(C) Dictu m (D) En dorse ran ge th e followin g letters an d m ak e a 105.(2) 106.(2) 107.(1) 108.(3)
(1) B - D (2) B - C m ean in gfu l word wh ich is opposite to
th e an swer. 109.(2) 110.(3) 111.(4) 112.(1)
(3) C - D (4) A - D
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113.(1) 114.(1) 115.(4) 116.(3)
117.(3) 118.(3) 119.(1) 120.(1)
121.(1) 122.(3) 123.(2) 124.(1)
125.(1) 126.(3) 127.(1) 128.(2)
129.(3) 130.(1) 131.(1) 132.(2)
133.(2) 134.(4) 135.(2) 136.(2)
137.(1) 138.(1) 139.(2) 140.(1)
141.(4) 142.(4) 143.(1) 144.(2)
145.(3) 146.(2) 147.(4) 148.(2)
149.(4)
EXPLANATIONS
1. (4) Accou trem en ts m ean s ex tra
item s n ecessary for a dress etc.
B el o n gi n gs m ean s m o v a b l e
th in gs. Blem ish is a spot or scar
th at spoils beau ty.
2. (3) Wh en ‘A’prefix is added (Aso-
cial) it gives a sen se of apath y or
u n in terest. ‘An ti’m ean s work in g
again st. Su bversive den otes ac-
tivities tryin g to destroy a govern -
m en t or a system .
3. (1) Blu e is sim ilar to Azu re.
4. (1) Bon h om ie refers to a state of
ch eer f u l fr i en d l i n es s. W r a t h
m ean s excessive an ger.
5. (2) Can dou r m ean s fran k n ess in
beh aviou r or speech . In tim acy is
closen ess in feelin g or relation .
6. (4) Elan m eans enthu siasm oppo-
site to n ervou sn ess. Com posu re’s
an ton ym cou ld b e im petu osity.
Brash n ess can also be opposite
to com posu re.
7. (2) Irascible is on e wh o gets an -
gry very easily. Rogu ish -cu ltu red.
8. (1) Nebu lou s is with ou t a definite
sh ape an d con crete is solid an d
defin ite.
9. (1) Pench ant means a ten den cy or
lik ing or inclination for something.
10. (3) Perfu nctory m ean s don e care-
lessly as a du ty on ly.
11. (2) Appease m ean s to calm down
or sooth e ie, to pacify. Agitate is
opposite to appease ie, to aggra-
vat e.
12. (1) Defile m ean s to m ak e dirty or
to corru pt. Disapprove m ean s to
reject.
13. (3) Dispassion ate mean s n ot h av-
i n g p assi on (i n t er est ) t owar d s
som eth in g ie, im partial. Im m oral
m ean s with ou t morality.
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SYNONYMS & ANTONYMS (RELATIVE)
14. (3) Relish an d Savor both m ean
to en joy a feelin g or experien ce.
Nibble mean s (i) to eat som ethin g
in to sm all pieces an d (ii) to be in -
terested in som eth i n g bu t cau -
tiou sly.
15. (4) Pu issan t m ean s power fu l. Ar -
ticu late means distinct in expres-
sion .
16. (2) F l u c t u at i o n m ea n s r ap i d
ch an ge in position. Stability is op-
posite to it.
17. (3) B as h f u l m ea n s s h y i n
beh aviou r. Hau gh ty m ean s sh ow-
in g a sen se of su periority abou t
on eself an d Discreet m ean s very
car efu l or j u d i ci ou s i n on e’s
behaviou r.
18. (3) Trivial m ean s worth less. Th e
other th ree mean important. Criti-
cal h as oth er m ean in gs too.
19. (1) Rival is a com petitor.
20. (2 ) Col l ap se m ean s t o get d e-
stroyed or fall down or die.
21. (4) Tran sien t m ean s tem porary.
Etern al is perm an en t or with ou t
en d.
22. (1) Su blime is lofty an d noble an d
base m ean s low an d m ean .
23. (2) Man sion is a palatial bu ildin g
an d Hovel is a dirty, small h ou se.
24. (3) Partition is to divide. En join
m ean s to give advice.
25. (4) Apart from m ean in g an cien t,
Pr im it ive is u sed derogately t o
m ean simple and not comfortable
an d in th is sen se its an ton ym is
Soph ist icated m ean in g r efi n ed,
delicate an d com plicated. Naive
m eans foolish , inexperienced an d
u n refin ed.
26. (1) Ter magant is on e who is qu ar -
relsom e. Tu rb u len t m ean s agi-
tated. Brawlin g m eans ten ding to
create n oise an d figh t. Sh rewish
is a qu arrelsom e wom an .
27. (3) For explan ation see 6. Tran -
sien t , Tr an sistory, M om en tary,
Fleetin g all h ave th e sam e m ean -
ing.
28. (3) Regression i s to go back ie,
Retreat, Reverse an d Relapse. Re-
gen erate is to give a n ew life an d
pr ogr ess.
29. (1) Ven gefu l m ean s in spi red by
reven ge or ven gean ce. Forgivin g
is opp osed t o tak i n g r even age.
V i n d i ct i ve h as al so t h e sam e
m ean in g as ven gefu l. Viciou s is
evil.
30. (4) Tirade m ean s strong criticism;
its syn on ym s m ay be Cen su re,
Di scr edi t, Declam at ion . Eu logy
m ean s praise.
31. (1) Ragam u ffin is som eon e in a
dirty an d torn cloth es. Dan dy is
fash ion able in dress. Miser is on e
wh o is m ean with m on ey.
32. (2) Ign oble is n ot n oble ie., dis-
gracefu l. Worth y also m ean s re-
spectable. Hypocritical is in sin -
cere an d preten tiou s,
33. (2) L ax m ean s r el ax ed or n ot
strict. Sh rill is a lou d sh ou t.
34. (4) See 3 for explan ation . Porou s
is a thin g h aving m any tin y holes.
35. (1) Neoph yte is a n ovice or n ew.
Veteran is on e wh o is experien ced
an d h as been lon g in th e field.
Prodigal is an extravagan t person.
Desperado is a darin g bu t crim i-
n al m in ded person .
36. (1) Om in ou s m ean s sh owin g or
in dicative of something bad or evil
abou t to tak e place. Ubiqu itou s
is som eth in g fou n d everywh ere.
37. (3) Procrastin ate m ean s to delay
tak in g decision .
38. (2) Hiatu s m ean s a break or gap
in a series of somethin g. Atrociou s
m ean s cru el or bad: Obscu re is
n o t d i st i n c t an d D om i n an ce
st an ds for overwh el m i n g in fl u -
en ce.
39. (4) Fom en t an d In st i gat e b ot h
m ean to provok e som eth in g evil
or to do wron g. Vex is to tortu re
or i rritate or torm en t som eon e.
Ren ou n ce m ean s to leave or ab-
dicate som eth in g.
40. (1) Vagary mean s su dden an d u n -
p r ed i ct a b l e ch a n ge. Ca p r i c e
stan ds for a su dden ch an ge par -
ticu larly in beh aviou r.
41. (3) Macabre an d Gru esom e both
m ean h or r i b l e. Tar r i ed m ean s
delayed in doin g a work .
42. (1) Den ou em en t is th e last part
of a dram a wh ere th e story is con -
clu ded or th e fin al con sequ en ce
(ie, ou tcom e) is depicted. Esch ew
m ean s to avoid doin g som eth in g
bad.
43. (1) Man acle is eith er a h an dcu ff
or a ch ain to fasten som eon e or
t o fast en som eon e wit h ch ain .
Fetter is ch ain .
44. (2) Feign an d Preten d both m ean
to sh ow or say to possess wh at is
actu ally n ot th ere.
45. (4) Assay is t o test or eval u ate
som ethin g (metal etc) for its qu al-
ity.
-417-

46. (2) Salu tatory is a speech etc of
welcom e. Valedictory is a speech
etc of farewell
47. (3) Tractable is som eone or some-
th in g th at can be con trolled or
m an aged easily.
48. (1) Cyn ical is always disbelievin g
or dou btin g. Brazen is sh am eless
an d open . Gallan t is fu ll of brav-
er y.
49. (3) Grisly is u n pleasan t an d h or -
r i fy i n g Fr agr a n t i s sm el l i n g
sweet. Haggard is lean an d th in .
50. (2) Cadaverou s is lean an d th in .
Obese is fat. Lu cid is very clear
or distin ct. In qu isitive is eager to
k n ow.
51. (2) Solicitou s mean s eager or anx-
iou s. In differen t m ean s u n con -
cern ed .
52. (3) Ram pan t is u n con trolled an d
wi despr ead . Restrain ed is con -
trolled. Fu riou s is an gry an d vio-
len t.
53. (1) Prolific is very fertile or pro-
du ctive. Barren is u n produ ctive.
Reck less is careless. Pr ofou n d”
m ean s deep.
54. (3) Sequ ester m ean s to separate
or isolate. Slu m p m ean s (i) to fall
badly and (ii) a period of slowdown
in econ om y.
55. (3) Trite an d Hack n eyed m ean s
comm on place or worn -ou t.
56. (2) Com passion ate m ean s fu ll of
sym pathy.
57. (2) Restive mean s very difficu lt to
con trol. Placid is calm an d peace-
fu l. Bu oyan t is ch eerfu l an d In -
solen t is ru de in n atu re.
58. (3) Gradu al m ean s step by step.
59. (1) Ru dim en tary m eans of th e be-
gi n n i n g or in i t ial . It s op p osi t e
cou l d b e fu l l y d evel op ed . Pal e
m ean s weak .
60. (1) Salvage m ean s to save som e-
th in g from fire or destru ction .
61. (4 ) Sed en t ar y m ean s set tled or
with ou t m u ch ph ysical activity.
Vivid m ean s distin ct or clear. In -
dolen t is lazy.
62. (3) Blase m ean s n ot very excited
abou t or in terested in someth in g.
In d i ffer en t h as al so t h e sam e
meaning. Credible means convinc-
in g h en ce believable.
63. (2) Caterwau l mean s to mak e lou d
sh ar p cry li k e a cat. Howl also
m ean s sh ar p cr y of an i m al s.
Scribble is to write fast, carelessly
an d m ean in glessly.
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SYNONYMS & ANTONYMS (RELATIVE)
64. (1) Hau teu r means hau ghtiness or
arrogan ce in beh aviou r.
65. (3) Pad d y i s r i ce cr op . Car ess
mean s to tou ch someone lovin gly.
66. (1) Discu rsive means m oving from
on e poin t to an oth er in speech or
wr i t i n g. Ram b l i n g al so m ean s
chan gin g poin t or topic carelessly
in speech or writin g, im polite is
h ar s h o r d i s c ou r t eo u s i n
behaviou r.
67. (1) preju dice is an opinion again st
som eon e or som eth i n g form ed
wi t h ou t an y r eason . It cau ses
aversion or dislik e. Gestation is
th e period wh en an idea or plan
or an action tak es fu ll effect.
68. (1) Goad m ean s to provok e or ex-
cite someone to do something; Spu r
also mean s to encou rage or excite
someon e to do somethin g. Su per -
sede is to replace somethin g.
69. (1) Fad m ean s a temporary obses-
sion or in terest an d in eccen tric-
ity also th ere is an aberration or
wh im sicality for th e tim e bein g.
Visage m ean s on e’s face.
70. (4) Wh en you retrospect you ac-
tu ally refer som eth in g of th e past
Disdain is h ate or dislik e or con -
tem pt. Remu neration is reward or
wage or salary.
71. (1) Zeal m ean s en th u siasm an d
on e can tak e in itiative on ly wh en
on e is en th u siastic abou t som e-
t h i n g. I n d ol en c e i s l azi n ess;
C oa r sen es s i s r ou gh n es s o r
u n r efm em en t i n b eh avi ou r or
com p osi ti on . Ped agogy i s con -
cern ed with teach in g.
72. (2) Gist m ean s th e m ain th eme or
essence or su bstance of a matter.
73. (4) Soli ci t ou s m ean s ver y con -
cern ed or worried abou t oth er’s
welfare. Nonch alant is relaxed and
is opposite to solicitou s. Rever -
en tial m ean s an action fu ll of re-
spect .
74. (2) Homely m ean s sim ple an d u n-
at t r act i ve, i e, p l ai n . Am i ab l e
m ean s frien dly or cordial.
75. (1) Loqu aciou s m ean s talk in g a
lotie, Verbose wh ich stan ds I for
u sin g a lot an d often u n wan ted
words in speak in g an d writin g.
Allu rin g is attractive or begu ilin g
and Tacitu rn is opposite to loqu a-
ciou s ie, u sin g little words.
76. (1) Placate also m ean s to sooth e
or paci fy. Rou se i s opposi te to
pacify. Harass is to tortu re or tor -
m en t som eon e. Rejoice m ean s to
tak e en joym en t in doin g som e-
th in g.
77. (3) Pertin ent is appropriate or con-
cern ed with th e m ain th em e. Ex-
traneou s mean s n ot related to th e
m ain th em e. Paltry is very less in
amou nt.
78. (1) Sloopy m eans careless or h ap-
h azard. Meticu lou s is very care-
fu l. Robu st Is stron gly bu ilt. Gu ll-
ible m ean s on e wh o believes very
easily.
79. (4) Wan ton is sp orti ve i e, d on e
with ou t an y valid reason ju st for
th e sh ak e of pleasu re. Discreet
is very carefu l. Ardent mean s very
eager. Fragile can break easily.
80. (4) Fin esse refers to sk ill an d lack
of sk ill is Clu m sin ess. Tact is th e
sk ill. Atrocity is repression .
81. (3) Ign ite an d Kin dle both m ean
to pu t on fire. Extin gu ish m ean s
to pu t down fire.
82. (1) Propitiou s m ean s favou rable.
Versatil e m ean s h avin g di ver se
sk ills.
83. (2) Tal ism an m ean s an am u let
worn to create su pern atu ral ef-
fect ie, ch arm .
84. (1) Pen u ry an d Destitu tion both
m ean poverty. Vigou r m ean s en -
ergy or stren gth .
85. (4) Affron t is in su lt or in dign ity.
Eru ption is su dden explosion and
Con t o u r m ean s t h e p h y si cal
sh ape of som eth in g,
86. (3) Amicable means friendly or not
qu arrelin g in approach ie, harm o-
n iou s. Nebu lou s m ean s vagu e or
n ot in defin ite shape. Abominable
is very u n pleasan t or disgu stin g.
87. (3) Dregs is th e last an d u seless
part of som eth in g. Debris is also
scattered h en ce u seless parts of
someth in g.
88. (3) Loqu aciou s mean s talk ing a lot
ie, Verbose wh ich stan ds for u s-
ing a lot and often unwanted words
in speak in g an d writin g. Allu rin g
is attractive or begu ilin g and Taci-
tu rn is opposite to loqu aciou s ie,
u sin g little words.
89. (2) Waive m ean s to relax in pay-
m en t or pu n ishm en t.
90. (1) Elan is inner enthu siasm; Flair
is an attractive n atu ral qu ality.
91. (4) Gau ch e is intellectu ally du ll or
clu m sy sam e as Tactless. Vain is
u seless, mean in gless or h au gh ty.
92. (3) Browbeat is to mak e somebody
fearfu l by speech or action ie, in -
-418-

timidate. Tarn ish is to spoil som e-
th in g.
93. (1) Scrim p is to live on a very little
m on ey. Lavish is livin g extrava-
gantly. Parsimoniou s means mean
for m on ey.
94. (3) D el ect ab l e i s d el i gh t fu l or
pleasan t. Distastefu l is u n pleas-
an t. Agonising mean s giving anxi-
ety,
95. (2) Grave m ean s seriou sly im por -
tan t. In con sequ en tial m ean s u n -
im portant- Solem n m ean s seriou s
an d Sen ile mean s old an d gettin g
weak er.
96. (1) Con fidan t is on e wh o is very-
close an d sh ares secret. Tu rn coat
is a ch eat wh o deserts a party for
h is ben efit.
97. (4 ) Am al gam ate i s to m er ge or
blen d. Split is to separate. Im pov-
erish is to m ak e poor in qu ality or
m on ey. Con secrate is t o devote
som eth in g for religiou s pu rpose.
98. (1) Boisterou s is n oisy an d lively.
Ser en e i s c a l m a n d q u i et .
Tu m u ltou s is agitated or tu rbu -
lent. Opaqu e mean s n ot transpar -
en t.
99. (4) Im postu re is an action m ean t
to deceive people sam e as decep-
tion or frau d.
100. (3) Proboscis i s an y ou t growth .
Sn ou t is th e projecting n ose of an
animal.
101. (1) Par l ey i s t o d i scu ss som e-
th in g.
102. (2) Asset is property of a person .
Liability is debt on h im . Credibil-
ity is som e’s faith fu ln ess.
103. (3) Smoth er is to su ppress or pre-
vent the growth of something. Nu r -
tu re is to look after som eth in g to
m ak e it develop. Repress is to tor -
tu re or torm en t.
104. (2) Reprim an d is to criticise offi-
cially for an y action . Appreciate
is to praise for an action .
105. (2) Som eth ing th at is defin ite an d
can be tou ch ed is Tan gible. Elu -
sive is som eth in g th at is difficu lt
to catch , feel or u n derstan d. Pal-
pable Is equ al to tan gible.
106. (2) Z oo m i s t o r i se f as t an d
sharply. Plu m met is to down slide
very fast. Soothe is to m ak e some-
on e or som eth in g calm . Refu te is
to den y or con tradict. Su bju gate
is to brin g u n der con trol.
107. (1) Docile is su bm issive an d can
be con trolled very easily.
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Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
SYNONYMS & ANTONYMS (RELATIVE)
108. (3) Equ ivocal m ean s dou btfu l or
am bigu ou s. Clear is dou btless.
109. (2) Qu ay and wharf both mean the
platform at th e sea-sh ore wh ere
boats park .
110. (3) Per n i ck et y an d fu ssy b ot h
m ean u n n ecessar il y con cer n ed
abou t u n importan t th ings. Spite-
fu l is h atefu l or dislik in g.
111. (4) Qu ain t m ean s u n u su al or old
i n st yl e an d h en ce at t r act i ve.
Hau n ted is a place wh ere spirits
of th e dead are believed to be liv-
ing.
112. (1) Needs mean s lack in g basic re-
qu i r em en t s i e, d u l l p er son s.
Pran k sters are people wh o play
trick s on som eon e.
113. (1) Albeit is th e for m al cou n ter -
part of alth ou gh .
114. (1) Hail m eans to call som eon e; it
also m ean s to praise or acclaim .
115. (4) Bu ck l e m ean s (i) to bi n d or
fasten som eth ing and (ii) to cru sh
or cru m ple som eth in g. Dislodge
is to rem ove som eon e from a po-
sition.
116. (3) Blaze is (i) a m ark on a tree to
show direction an d (ii) a great fire.
En n u i m ean s boredom becau se
th ere is n oth in g in terestin g.
117. (3) Prosaic is du ll an d ordin ary.
Rh et or i cal i s i m p r essi ve an d
m ean t to create in flu en ce. Pen -
sive is sad an d th ou gh tfu l.
118. (3) Levity is lack of seriou sn ess
in treatm en t. Solem n ity is all se-
riou sn ess. Frivolity, is lack of im -
portan ce.
119. (1) Ob loqu y i s severe cri t i ci sm
pu blicly. Slan der is ‘false ch arge
on som eon e.
120. (1) Predilection m ean s special lik -
i n g for som et h i n g. An t i p at h y
m ean s h ate for som eth in g. Dis-
sonance m ean s difference of opin-
ion.
121. (1) Fu rlou gh is a leave from du ty
gran ted to civil servan ts or sol-
diers. Till is to cu ltivate a lan d.
122. (3) Pu n ctiliou s is very attentive in
beh aviou r or action sam e as Me-
ticu lou s. Pru de is a person wh o
gets easily sh ock ed by someth in g.
Tim id gets fearfu l very soon an d
is n ot brave.
123. (2) Ecom i u m an d Eu l ogy b ot h
m ean praise. Doggerel is a badly
written poem .
124. (1) Invidiou s means improper and
lik ely to provok e anger ie, irritable.
125. (1) Lach rym ose m ean s h avin g a
ten den cy to weep easily, Mou rn -
fu l is sad and cau sin g tears. Lech-
erou s is excessively in terested in
sex. Terse is brief, straigh t an d
h arsh in ton e.
126. (3) Ch arade is false an d absu rd
situ at ion . Preten ce m ean s false
sh ow or display. Spate is a series
of u n pleasan t even ts.
127. (1) Circu m scribe is to limit some-
th ing. Erode is to mak e something
weak er or th in n er gradu ally. En -
tan gle is to catch or trap som e-
on e in a difficu lt situ ation .
128. (2) Par oc h i a l m ea n s n a r r ow -
m in ded in on e’s vision .
129. (3) Discomfit mean s to em barrass
som eone.
130. (1) Debu n k m ean s to expose th e
reality by sh owin g wh at is tru e
an d wh at is false.
131. (1 ) An t on y m (L ar gesse m ean s
bou n tifu lness).
132. (2) An ton ym (Awfu l - Pleasan t)
133. (2) Syn on ym (Seren e - Iden tical)
134. (4) Syn onym . Both m ean excitin g
or attractive.
135. (2) Syn on ym . Both m ean to de-
scen d sh arph y.
136. (2) Synonym. Both m ean wise say-
ing.
137. (1) Anton ym . ‘Exu lt m ean s to feel
h appy an d ‘Lam ent’mean s to feel
sad or depressed.
138. (1) Syn onym (Desolate-Lonely)
139. (2) ‘Serendipity’means h appening
by good fortu n e (often a discov-
ery).
140. (1) ‘Vitriolic’and ‘Maliciou s’means
fu ll of h atred.
141. (4) ‘Pu ck ish ’m ean s playin g fu n -
filled trick s on oth ers.
142. (4) Neat is sim ilar to Dapper.
143. (1) ‘Su bservient’means so hu mble
ch at look s below dign ity.
144. (2) ‘Distrau gh t’m ean s u pset.
145. (3) ‘Myopic’m ean s sh ort-sigh ted
in vision .
146. (2) Ten aciou s’ m ean s tou gh or
u nyielding.
147. (4) Th e word is H esi t an t (Adj ec-
t i v e) wh i ch m ean s : sl ow t o
speak or act becau se you feel
u ncertain or u nwilling.
Its antonym shou ld be u n willing.
1 4 8 . (2) Th e word is Ger m i n at e (Ver b)
wh ich m ean s : start to grow.
Ter m i n at e = t o en d ; t o m ak e
someth in g en d
149. (4) Th e wor d is Gen er al i st . Its
an ton ym sh ou ld be specialist.
ppp
-419-

MISCELLANEOUS
NATIONALISED BANKS
& IBPS PO/MT/SO
Di r ect i on s (1 –5 ) : In each sen -
t en ce b el ow fou r wor d s h ave b een
prin ted in bol d type is gi ven . Th ese
are n u m bered (1), (2), (3) an d (4). On e
of th ese words prin ted in bol d m ay be
either wr on gl y spel t or i n appropr i at e
in th e con text of th e sen ten ce. Fin d
ou t th e word, wh ich is wron gly spelt
or in appropriate, if an y. Th e n u m ber
of th at word is you r an swer. If all th e
word s pr in ted in bo l d ar e corr ectl y
spelt an d also appropriate in th e con -
text of th e sen ten ce, m ark (5) i.e., ‘All
Correct’as you r an swer.
(Or i en t al Ban k Of Com m er ce PO
Ex am . 2 1 .1 2 . 2 00 8 )
1. We p l an to co m p l et e
the exh aust i ve (1)/ perform an ce
(2)/ r ev i ew (3)/ u n der t ook (4)/
b y u s b y n ex t week . Al l cor -
rect (5).
2. Home loan borr owers (1)/ will be
defi n i t ely (2)/ affect ed (3)/ since
ban k s h ave raised th eir l en di n g
(4)/ rates of interest. All correct (5).
3. Th e Fin an ce Mi n i ster h as i m -
pr essed (1)/ sat i sf ac t i on (2)/
over th e pr ogr ess (3)/ m ade by
regi on al (4)/ ru ral bank s. All cor -
rect (5).
4. If th ey wan t t o m ai n t ai n (1 )/
th eir cu rren t was rate of ex pan -
si on (2)/ th ey h ave to con si der
(3)/ th ese par am et r es (4)/ . All
correct (5).
5. In dia’s ov eral l (1)/ trade defeci t
(2)/ con t i n ues (3)/ to be a m ajor
sou rce of con cern for an al y st s.
(4)/ All correct (5).
Di r ect i on s (6 –1 0 ) : In each of
th e followin g qu estions a short passage
is given with on e of th e lin es in th e
passage m issin g an d represen ted by a
blan k . Select th e best ou t of th e five
an swer ch oi ces gi ven , to m ak e t h e
passage com plete an d coh eren t.
(I BPS Ban k PO/ M T CWE
Ex am . 18. 09.20 11)
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6. Poverty is th e state for th e m a-
jority of th e world’s people an d
n ation s. Wh y is th is ? ____ Have
th ey been lazy, m ade poor deci-
sion s, an d been solely respon si-
ble for t h eir own pli gh t? Wh at
abou t th eir govern m en ts? Have
th ey pu rsu ed policies th at actu -
all y h ar m su ccessfu l d evel op -
m en t? Su ch cau ses of poverty
an d in equ ality are n o dou bt real.
Bu t deeper an d m ore global cau s-
es of poverty are often less dis-
cu ssed. B eh i n d th e i n creasi n g
in tercon n ectedn ess prom ised by
globalization are global decisions,
policies, an d practices. Th ese are
typ icall y in flu en ced, dr iven , or
form u lated by th e rich an d pow-
erfu l . Th ese can b e lead ers of
rich cou n tries or other global ac-
tors su ch as m u ltin ation al cor -
poration s, institu tions, an d influ -
en tial people. In th e face of su ch
enorm ou s extern al in flu en ce, th e
govern m ents of poor n ation s an d
th eir people are often powerless.
As a resu lt, in th e global con text,
a few get wealth y wh ile th e m a-
jority stru ggles.
(1) Is it en ou gh to blam e poor
people for th eir own predica-
men t?
(2) Wh at is th e govern m en t do-
in g abou t it ?
(3) Are th e wealth y on es in th e
n ation even aware of th is?
(4) Th e govern m en t h as already
tak en m easu res to eradicate
th e sam e.
(5) Th e h u ge gap b et ween t h e
rich an d th e poor in th e n a-
tion is n ow n arrowin g.
7. Wom en ’s rights arou n d th e world
are an im portan t indicator to u n -
d er st an d gl ob al wel l -b ei n g. A
major global women ’s righ ts trea-
ty was ratified by th e m ajority of
the world’s n ation s a few decades
ago. _____ Th ese ran ge from th e
cu ltu ral, political to th e econom -
i c. For ex am p l e, wom en oft en
work more th an men, yet are paid
less; gen d er d iscrim i n ati on af-
MISCELLANEOUS
fects girls an d wom en th rou gh -
ou t th eir lifetim e; and wom en and
girls are often th e on es th at su f-
fer th e m ost poverty. Man y m ay
think that women’s rights are only
an issu e in cou n tries wh ere reli-
gion is law. Or even worse, som e
m ay th in k th is is n o lon ger an
issu e at all. Bu t readin g th e re-
port abou t th e Un ited Nation ’s
Wom en ’s Treaty an d h ow an in -
creasin g nu m ber of cou n tries are
lodgin g reser vati on s wil l sh ow
oth erwise. Gen der equ ality fu r -
th ers th e cau se of ch ild su rvival
an d developm en t for all of soci-
ety, so th e im portan ce of wom -
en ’s righ ts an d gen der equ ality
sh ou ld n ot be u n derestim ated.
(1) This treaty tack led and solved
a n u m ber of issu es related to
women .
(2) Wh y is it th en , th at wom en
still face a n u m ber of prob-
lem s on th e dom estic fron t?
(3) Thu s, th e wom an today is ten
t i m es m or e em p ow er ed as
com p ared t o a wom an say
abou t a decade ago.
(4) Wom en ’s activists across n a-
tion s h ave im plor ed th e re-
spective govern m en ts to tak e
th is seriou sly,
(5) Yet, despite m an y su ccesses
in em powerin g wom en , n u -
m erou s issu es still exist in all
areas of life.
8. Research h as sh own th at air pol-
lu tan ts from fossil fu el u se m ak e
clou ds reflect m ore of th e su n ’s
rays back in to space. Th is leads
to an effect k n own as global dim -
m in g wh ereby less h eat an d en -
ergy reach es th e earth . ____How-
ever, it is believed that global dim-
m in g cau sed the drou gh ts in cer -
t ai n p ar t s of t h e wor l d wh er e
m illions died, becau se th e north -
ern h em isph ere ocean s were n ot
war m en ou gh to allow rain for -
m ation . Global dim m in g is also
h idin g th e tru e power of global
warm in g. By clean in g u p global
dimming-cau sing pollu tants with-
-420-

ou t tack ling greenhou se gas emis-
sion s, rapid warm in g h as been
observed, an d var i ou s h u m an
h ealth an d ecological disasters
h ave resu lted, as witn essed du r -
in g th e Eu ropean h eat wave in
2003, wh ich saw th ou san ds of
people die.
(1) Th is th ou gh , does n ot brin g
an y relief in th e problem s as-
sociated with clim ate ch an ge.
(2) Th is phenomenon th u s is part
of th e clim ate ch an ge prob-
lem .
(3) Scien t ist s t h u s bel ieve th at
th is ph en om en on goes h an d
in han d with global warmin g.
(4) At first, it sou nds lik e an iron -
ic saviou r to clim ate ch an ge
problem s.
(5) Th e an swer to all ou r prob-
lem s with respect to clim ate
ch an ge is defin itely h ere.
9. Next to Ch in a, In dia is th e m ost
popu lated cou n try in th e world.
____ Particu larly, ru sh to tech n i-
cal an d h igh er edu cation h as in -
creased as th e scope for arts an d
scien ce h as becom e lesser an d
lesser du e to lack of reform s an d
u pgradation in th e cou rse stru c-
tu re an d m aterials accordin g to
th e developm en ts of th e world.
Also, qu alification in h igher edu -
cation gives added advan tage to
face su ccessfu lly com petition in
th e job m ark et.
(1) Keeping this in m in d, the gov-
er n m en t h as pr ovided con -
cessions in th e adm ission fees
for t h e ar t s an d sci en ce
stream s in th e cou n try.
(2) Natu rally th ere is too m u ch
ru sh an d com petition in ev-
ery field.
(3) Despite th is th e ru sh to high -
er edu cation is lesser.
(4) Th i s p op u l at i on i n cr ease,
t h ou gh , h as n ot k ep t pace
with th e k nowledge expansion
arou n d th e world.
(5) In th e n ext decade it will be-
com e th e m ost popu lou s.
10. An al ysts an d in du stry pu n dits
forecast th at th e n otebook m ar -
k et, which h as been growin g fast-
er th an th e desk top m ark et for
th e past th ree years, is expected
to overtak e th e desk top m ark et
by th e year 201 1-1 2. A fall in
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prices, large deals from govern -
m en ts an d in stitu tion s, an d de-
m an d from con su m ers an d sec-
tors su ch as edu cation are ex-
pected to help the notebook nu m-
bers. Accordin g to research agen -
cies, th e year 2010-11 saw n ote-
book volu m es rise, an d for th e
first tim e a million plu s notebook s
wer e sold in In di a i n a si n gl e
qu arter. Th e m ark et h as grown
n early fou r tim es for n otebook s.
Th e dem an d is driven by all sec-
tors and a very bu oyant consu mer
m ar k et , wh i ch p r efer s m ob i l e
com pu ters. En try-level n otebook
prices h ave dropped below th e
25,000 m ark ; th is h as h elped
break th e ice with n ew cu stom -
ers. Th is drop in n otebook pric-
es h as been h elped by th e drop
i n t h e p r i ces of t h e b u i l d i n g
block s th at m ak e a n otebook . It’s
sim ple. With n otebook volu m es
growin g, th e prices of th e com -
pon en ts are also bou n d to com e
down . ______
(1) All th is h as resu lted in a n o-
ticeable ch an ge in a n u m ber
of large govern m en t ten ders
for n ot eb ook s; wh i ch wer e
tradition ally for desk tops.
(2) Becau se of th is th e govern -
m en t still prefers desk tops to
n ot eb ook s an d h as p assed
ten ders for th e sam e.
(3) Th ereby m ak in g th em m ore
expen sive.
(4) Thu s th e forecast for the com -
in g year states th at desk tops
will be th e preferred tech n ol-
ogy ch oice on ly for con su m -
er s wh o can n ot affor d t h e
ex or b i t an t l y p r i ced n ot e-
book s.
(5) Th u s n otebook s will becom e
obsolete after a decade or so.
Di r ec t i o n s (1 1 -1 5 ) : In each
qu estion below a sen ten ce with fou r
words prin ted in bol d type is given .
Th ese are n u m bered as (1), (2), (3) an d
(4). On e of th ese fou r words prin ted in
bol d m ay be wr on gl y spel t or i n ap-
pr opr i at e in th e con text of th e sen -
t en ce. Fi n d ou t th e word , wh ich i s
wron gly spelt or in appropriate, if an y.
Th e n u m ber of th at word is you r an -
swer. If all th e words prin ted in bol d
are correctly spelt an d also appropri-
ate in th e sen ten ce, m ark (5) i.e. ‘All
Correct’as you r an swer.
MISCELLANEOUS
(An dh r a Ban k PO Ex am . 14.09.2008)
11. Prices of electr on ic goods h ave
decl i n ed (1)/ own i n g (2)/ to th e
r ed u ct i on (3)/ i n i m po r t (4)/
du ty rat es du t y r ates. All cor -
rect. (5)
12. Th e econ om i c (1)/ gain s we have
ach i ev ed (2 )/ will n ot b e su s-
t ai n ed (3)/ u n less we pr oper l y
(4)/ edu cate th e you th . All cor -
rect. (5)
13. Th e su bst an t i al (1)/ don at i on
(2)/ sh e h as given dem on st rat es
(3)/ h er com m itm en t to h elpin g
those l ower (4)/ the poverty line.
All correct (5).
14. No i n ci den ce (1)/ of v i ol en ce
(2)/ occur red du ring the protests
again st (3)/ th e Gover n m en t’s
n ew pol i ci es. (4)/ All correct. (5)
15. Th e r ep or t su ggest s (1 )/ t h at
In dia h as n ot i n v est ed (2)/ su f-
fi ci en t (3)/ r esou r ces (4)/ in de-
velopin g its IT infrastru ctu re . All
correct. (5)
Di r ec t i o n s (1 6 –2 0 ) : In each
qu estion below fou r words wh ich are
nu mbered (1 ), (2), (3) and (4) h ave been
prin ted in bol d of wh ich on e m ay be
wron gly spelt. Th e nu mber of th at word
is th e an swer. If all th e fou r words are
correctly spelt, m ark (5) i.e, ‘All Cor -
rect’as th e an swer.
(UCO Ban k PO Ex am . 22.03.2009)
16. Th e obj ec t i v e (1)/ of th e pr o-
gr am m e (2)/ is to en t er t ai n (3)/
th e m asses (4)/ . All Correct (5).
17. H i s d er o ga t o r y (1 )/ r em ar k
h u m m i l i at ed (2)/ m e, bu t I con -
t rolled (3)/ my emotions and didn’t
allow my work to be affect ed (4)/
by it. All Correct (5).
18. Th eir en deav ou r (1)/ is wor t h y
(2)/ of adm i r at i on (3)/ an d ap-
pr eci at i on (4)/ . All Correct (5).
19. Before h e cou ld ri ch (1)/ th e si t e
(2)/ of the m aidan, th e cr i m i n al s
(3)/ h ad decam ped (4)/ . All Cor -
rect (5).
20. Th e u n scr upu l ou s (1)/ elem en ts
in volved in sn at ch i n g (2)/ ladies’
n eck l esses (3)/ h ave been ar -
r est ed (4)/ . All Correct (5).
Di r ect i o n s (2 1 – 2 5 ) : In each
qu estion below, a sen ten ce with fou r
words prin ted in bol d type is given .
Th ese are nu m bered as (1), (2), (3) and
(4). On e of th ese fou r words prin ted
to bol d m ay be eith er wr on gl y spel t
or i n appr opr i at e in the context of th e
-421-

sen ten ce. Fin d ou t th e word wh ich is
wron gly spelt or inappropriate, if an y.
Th e n u m ber of th at word is you r an -
swer. If all th e words prin ted in bol d
are correctly spelt an d also appropri-
at e i n t h e con t ext of t h e sen t en ce,
m ark (5) i.e. ‘All correct’ as you r an -
swer.
(Indi an Overseas Bank PO
Ex am . 05.04.2009)
21. We sh all h ave to wai t (1)/ an d
see if th ese m easu r es (2 )/ are
su ffi c i en t (3)/ to addr ess (4 )/
th e problem . All correct (5).
22. Th e docu m en t (1)/ h e gave m e
was lon g an d com pl i cat ed (2)/
an d I st r u ggl ed (3)/ to u n der -
st an d (4)/ it. All correct (5).
23. Th e com pan y h as deci ded (1)/
to al l ot t (2)/ a su bst an t i al (3)/
por t i on (4)/ of its profits to re-
search and developm ent. All cor -
rect (5).
24. I t r e m a i n s (1 )/ t o b e s een
wh et h er (2)/ these r efor m s (3)/
wil l be ac cept abl e (4)/ b y t h e
Board. All correct (5).
25. Th ey are n egot i at i n g (1)/ to try
and reach (2)/ an agreement which
wi l l b en ef i c i al (3 )/ ever y on e
con cer n ed (4)/ . All correct (5).
Di rect i on s (2 6–3 0) : In each qu es-
tion below a sen ten ce with fou r words
prin ted in bol d type is gi ven . Th ese
are n u m bered as (1 ), (2), (3) an d (4).
One of th ese fou r words printed in bold
m ay be eith er wr on gl y spel t or i n ap-
pr opr i at e in th e con text of th e sen -
t en ce. Fi n d ou t t h e wor d wh i ch i s
wron gly spelt or in appropriate, if an y.
Th e n u m ber of th at word is you r an -
swer. If all th e words prin ted in bol d
are correctly spelt an d also appropri-
ate in the con text of th e senten ce, mark
(5) i.e. ‘All correct’as you r an swer.
(I n di an Ban k Rur al M ar k et i n g Of f i cer
Ex am . 22. 11.20 09)
26. Th e ban k ’s fl u ct uat i n g (1)/ per -
form an ce over the pr i or (2)/ year
h as been a m ajor (3)/ cause (4)/
for con cern . All correct (5)
27. An econ omy r eli es (1)/ on its ac-
cess (2)/ to depen dable (3)/ an d
af for dabl e (4)/ sou rces of en er -
gy. All correct (5)
28. Resear ch er s h ave u sed d at a
pr ev al en t (1)/ to m an u factu rin g
com pan ies to i l l u st r at e (2)/ th e
h ar m f u l (3 )/ i m p ac t s (4 )/ of
tech n ology on th e en viron m en t.
All correct (5)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
29. Su ch a si t u at i on (1)/ is n eith er
feasabl e (2)/ n or desi r abl e (3)/
i n a d em ocr at i c cou n t r y l i k e
ou r s. (4)/ All correct (5)
30. The gr adual (1)/ wi t h dr awal (2)/
of su ch safet y (3)/ m ech an i si m s
(4)/ will affect sm all an d m edi-
u m in du stries th e m ost. All cor -
rect (5)
Di r ec t i o n s (3 1 –3 5 ) : In each
qu estion below a sen ten ce with fou r
words prin ted in bol d type is given .
Th ese are n u m bered as (1), (2), (3) an d
(4). On e of th ese fou r words prin ted
bol d m ay be eith er wr on gl y spel t or
i n appropri at e in the con text of the sen-
ten ce. Fin d ou t th e words prin ted in
bol d are correctly spelt an d also ap-
pr opr iat e in th e con t ext of th e sen -
ten ce, m ark (5) i.e. ‘All correct’as you r
an swer.
(I n di an Ban k PO Ex am . 17.10.2010)
31. Th ou gh th ese program m es h ave
pr ov ed (1)/ to be ex t r em el y (2)/
eff ect i v e th ey d o h ave certain
(3)/ drawback s. (4)/ All correct (5)
32. In or d er t o c o n f r o n t (1 )/ t h e
t h reat (2)/ of global warnin g it is
i m per at i v e (3)/ th at we work al l
t oget h er . (4)/ All correct (5)
33. Any fai l ur e (1)/ to com pli ci t (2)/
with th e fu n dam en tal regu lat i on
(3)/ will resu lt a fi n e. (4)/ All cor -
rect (5)
34. We plan to com plete th e ex h au s-
t i v e (1)/ per for m an ce (2)/ r e-
v i ew (3)/ u n der t ook by u s. (4)/
All correct (5)
35. Home loan bor rowers (1)/ will be
defi n i t ely (2)/ affect ed (3)/ since
ban k s h ave raised th eir l en di n g
rates of in terest. (4)/ All correct
(5)
Di r ec t i o n s (3 6 –4 0 ) : In each
qu est ion below a sen t en ce with fou r
words pri n ted in bol d t ype is given .
Th ese are n u m bered as (1), (2), (3) an d
(4 ). On e of th ese fou r boldl y pr in t ed
words m ay be eit h er wr on gl y spel t
or i n appr opr i at e in th e con text of th e
sen ten ce. Fi n d ou t th e word wh i ch is
wron gly spelt or in approp riate, if an y.
Th e n u m b er of th at word is you r an -
swer. If all th e bo l dl y pr in t ed wor ds
are correctly spelt an d also appropri-
ate in the con text of th e senten ce, mark
(5) i.e. ‘All Correct’as you r an swer.
(Al l ah abad Ban k PO
Ex am . 21. 02.20 10)
MISCELLANEOUS
36. Th is fir m wh ich is based (1)/ in
Fr an ce is pr epai r ed (2 )/ to fi -
n an c e (3)/ sm all In d ian b u si-
n esses wh ich pr odu c e (4)/ en -
viron m en t frien d ly produ cts. All
correct (5)
37. Despi te i n t en se (1 )/ pr essu r e
(2)/ fr om h is su p er iors h e re-
fu sed to di scl oz e (3)/ th e fi n d-
i n gs (4 )/ of th e repor t. All cor -
rect (5)
38. Corporates h ave ben efi ted t r e-
m e n d o u s l y (1 )/ f r o m t h e
gover n m en t’s t i m el y (2 )/ deci-
si on to wai v e (3)/ var iou s t ax .
(4 )/ All cor rect (5)
39. Si n ce you are u n abl e (1 )/ t o r e-
pay t h e loan you h ave n o al t er -
n at e (2)/ bu t t o seek (3)/ an ex -
t en si o n . (4)/ All cor rect (5)
40. A m aj o r (1)/ di sad v an t age (2 )/
of th is d eal is th at we sh all h ave
to bear (3)/ th e cost (4)/ of train -
in g. All cor rect (5)
Di r ec t i o n s (4 1 –4 5 ) : In each
qu est ion below a sen t en ce with fou r
words pri n ted in bo l d type is given .
Th ese are n u m bered as (1), (2), (3) an d
(4 ). On e of th ese fou r words pr in t ed
in bol d m ay be eit h er wr on gl y spel t
or i n appr opr i at e in th e con text of th e
sen ten ce. Fi n d ou t th e word wh i ch is
wr on gly spelt or in ap propri ate if an y.
Th e n u m b er of th at word is you r an -
swer. If al l t h e word s p rin ted in bo l d
ar e corr ect ly spelt an d also appr opr i-
at e i n t h e con t ext of t h e sen t en ce,
m ark (5) i.e. ‘Al l correct as you r an -
swer.
(Cor POr at i on Ban k PO
Ex am . 09. 05.20 10)
41. Th e ban k ’s fl u ct uat i n g (1)/ per -
form an ce over the pr i or (2)/ year
h as been a m aj or (3) cau se (4)
for con cern . All cor rect (5)
42. An econ om y r el i es (1)/ on it s
access (2)/ to depen dable (3) and
affor dabl e (4) sou rces of an ergy.
Al l correct (5)
43. Res ea r c h es h a ve u sed d a t a
pr ev al en t (1)/ to m an u factu rin g
com pan ies to i l l u st r at e (2 )/ t h e
h ar m f u l (3) i m p act s (4) of tech -
n ology on th e en vi ron m en t . All
correct (5)
44. Su ch a si t u at i o n (1)/ is n eith er
feesi bl e (2)/ n or desi r abl e (3) in
a dem ocratic cou n t ry l ik e ou r s
(4 ). All cor rect (5)
-422-

45. Th e gradu al (1)/ wi t h drawal (2)/
of su ch safet y (3) m ech an i si m s
(4 ) wi ll affect sm all an d m edi u m
i n d u st r i es t h e m ost . Al l cor -
rect (5)
Di r ect i on s (4 6 – 5 0 ) : In each
sen t en ce bel ow on e word h as b een
prin ted in bol d. Below th e sen ten ce,
five words are su ggested, on e of wh ich
can replace th e word prin ted in bol d,
with ou t ch an gin g th e m ean in g of th e
sen t en ce. Fi n d ou t t h e ap p r op r i at e
word in each case.
(Can ar a Ban k PO Ex am . 15.03.2009)
46. His attem pts to equ i v ocat e th e
su b ject u n der discu ssi on were
th war ted.
(1) balan ce (2) defen d
(3) mislead (4) adju st
(5) recon cile
47. Th e minister’s cl an dest i n e m eet-
i n g wi t h t h e op p osi t i on p ar t y
leader was severely criticised.
(1) u nofficial (2) au thentic
(3) periodical (4) secret
(5) pu rposefu l
48. Th ey retu rn ed after th eir i gn o-
m i n i o u s d efeat i n t h e for eign
cou n try.
(1) irreversible (2) im pertinent
(3) in decisive (4) im pu lse
(5) disgracefu l
49. He was con ceptu ally clear abou t
th e problem an d th erefore cou ld
provide a pr agm at i c solu tion .
(1) diplomatic (2) practical
(3) analytical (4) tolerable
(5) acceptable
50. Sh e cam e in u tter disrepu te du e
to h er v i n di ct i v e act.
(1) reven gefu l (2) u n gratefu l
(3) u npardonable
(4) u n even tfu l (5) derogatory
Di rect i on s (51 –55 ) : In each sen-
ten ce below on e word h as been prin t-
ed in bol d. Below th e sen ten ce, five
words are su ggested; on e of which can
replace th e word prin ted in bol d, with -
ou t ch an gin g th e m ean in g of th e sen -
ten ce. Fin d ou t th e appropriate word
in each case.
(UCO Ban k PO Ex am . 2 2 .0 3 .2 0 0 9 )
51. Th e grou p of peopl e bu rn t th e
effi gy of th e lawyer as a m ark of
their irritation .
(1) briefcase (2) files
(3) du m my (4) copy
(5) dress
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
52. D esp i t e t h e u n p l easan t i n ci -
den ce, th e m an ager didn ’t n u r -
tu re an y an i m osi t y .
(1) in stinct (2) h atred
(3) goodwill (4) ambigu ity
(5) preju dice
53. Equ al pay for subst an t i ally equ al
work ’is the situ ation even in pu b-
lic sector ban k s th ese days.
(1) equ itably (2) sim ilarly
(3) m easu rably (4) exactly
(5) con siderably
54. We don’t min d perfor ming any job
h owever t edi ou s it m ay be.
(1) tidy (2) abomin able
(3) exh au stive (4) borin g
(5) excitin g
55. He appeared so n atu rally effer -
v escen t th at everybody stood u p
an d greeted h im .
(1) exu beran t
(2) expression less
(3) com posed
(4) emotion al
(5) in disposed
Di r ec t i on s (5 6 – 6 0 ) : In each
qu est ion a sen ten ce with two word s/
gr ou p s of word s p rin ted in bol d type
are given . On e of th em or both of th em
m ay h ave a cert ain err or. You h ave to
fin d ou t t h e cor r ect wor d/ gr ou p of
words from am on g t h e fou r ch oices
gi ven below each sen t en ce to replace
th e i n cor rect words/ gr ou p of wor ds
an d m ak e th e sen ten ce gram m atically
cor rect an d m ean i n gfu l . If t h e sen -
ten ce is correct as i t i s m ark (5 ) ‘No
correcti on r equ ired’as you r an swer.
(Al l ah abad Bank PO Exam . 21.02.2010)
56. Man y sen i or citi zen s ar e fin di n g
t h i s difficu lt to affordable essen -
tial com m odities today.
(1 ) it — afford
(2 ) m u ch — afford ed
(3 ) still — be affordi n g
(4 ) th eir — afford
(5 ) No corr ecti on requ ir ed
57. He h as r aised som e per t i n en t
issu es t h ey r eq u i r e a ser iou s
discu ssion .
(1 ) p ert in en ce — r equ iri n g
(2 ) p erti n en t — wh ich requ i re
(3 ) pertain i n g — t h at requ ir es
(4 ) perti n en tly — will requ ir es
(5 ) No corr ecti on requ ir ed
58. In or der to be co m pet e today a
com pan y sh ou l d in n ovative.
(1 ) com p etin g — m u st
MISCELLANEOUS
(2 ) com peten t — is
(3 ) com peted — sh ou ld h ave
(4 ) com p eti tive — sh ou ld be
(5 ) No corr ecti on requ ir ed
59. Wh ile th e com p an y m ak e great
st r i d es on t h e en vi r on m en t al
fron t it h as u pdated its HR prac-
ti ces.
(1 ) m ak e — wil l u pdate
(2) m ak in g — u pd atin g
(3 ) h as m ad e — yet u pdate
(4 ) m ade — did n ot u pdate
(5 ) No corr ecti on requ ir ed
60. Corru p tion acted as a disi n cen -
t i ve for i n vestm en t an d h ar m
econ om ic growth .
(1 ) acti on s — h arm fu l
(2 ) acti vel y — h arm
(3 ) acts — h ar m s
(4 ) will act — h arm i n g
(5 ) No corr ecti on requ ir ed
Di rect i on s (61 -6 5) : ln each qu es-
tion bel ow a sen ten ce wi th fou r words
pr in ted in bo l d type is given . Th ese
ar e n u m b ered as (1), (2), (3) an d (4 ).
On e of th ese fou r word s p ri n t ed i n
bol d m ay eit h er be m i ssp el t or i n ap-
pr opr iat e in th e con t ext of th e sen -
t en ce. Fi n d ou t t h e wor d wh i ch i s
wron gl y spelt or i n appropri at e if any.
Th e n u m b er of th at word is you r an -
swer. If al l t h e word s p rin ted in bo l d
ar e corr ect ly spelt an d also appr opr i-
at e i n t h e con t ext of t h e sen t en ce,
m ark (5) i.e. ‘All Correct’as you r an -
swer.
(I BPS RRBs Of f i ce Assi st an t CWE
Ex am . 09. 09.20 12)
61. The n eed (1)/ to grow sh ou ld not
be m i st ak en (2)/ for di ssat i sfac-
t i o n (3)/ with on e’s cu r r en t (4)/
st ate. All cor rect (5)
62. H e l a i y (1 )/ i n t h e b ed t o
r est ,(2)/ an d wi t h i n (3)/ no tim e
d o z ed (4 )/ o f f t o s l eep .
Al l correct (5)
63. It was di sapoi n t i n g (1)/ to k now
t h at d esp i t e (2 )/ h i s b est at -
t em p t s, (3)/ h e h ad fai l ed (4)/ in
th e exam . All cor rect (5)
64. H e w a s s o s c a r e d (1 )/ a ft er
wat ch i n g (2)/ th e m ovi e (3)/ that
h e di dn 't sl eep for th ree n i gh t s
(4 )/ after th at. All correct (5)
65. Vij ay h ad al way s (1)/ been k een
(2)/ on get t i n g (3)/ as m u ch edu -
cat i on (4 )/ as h e cou ld . All cor -
rect (5)
-423-
 MISCELLANEOUS
5.  h ave been 10. Th e social work er h as ch am pi -
SBI PO EXAMS A. h e is on ed t h e cau se fr o m t h e weak
B. on e of t h e greatest an d op pressed for t h e last fou r
Di rect i on s (1-8) : In each qu estion , C. of n ovelists d ecad es.
on e of th e five par ts of th e sen ten ce D. u n iver sal ly ack n owledged to (1) h as b een ch am p i on i n g t h e
is sh own wit h an aster isk («). Th e oth - cau se of
(1) On ly ABCD
er fou r par ts of th e sam e sen t en ce are (2) h ad ch am pion ed th e cau se for
(2) On ly BCAD
den oted by (A), (B), (C) & (D). Fin d ou t (3) h as b een ch am p i on i n g t h e
(3 ) Eith er ABCD or ADBC
th e corr ect sequ en ce of th ese let ter ed cau se for
(4) On ly ADBC
parts wh ich wh en r ead toget h er wi th (4) h ad b een ch am p i on ed t h e
th e asterisk ed par t i n i ts prop er posi- (5 ) Non e of th ese
cau se for
tion , m ak es th e sen ten ce m ean in gfu l- 6.  t o vi sit m e
(5) No correcti on requ ir ed
l y com p l ete. Pl ease n ot e t h at m or e A. h e n ever cam e
11. In itially th e h ijack ers seemed de-
th an on e sequ en ce m ay also be cor - B. in spi te of term i n ed n ot t o su bm i t b u t u lt i-
rect. Th erefore, in dicate you r an swer C. i n vitin g h im . m atel y t h ey wer e gi v en i n .
only after ju dging all th e answer ch oic- D. m y con tin u ally (1 ) were given u p
es provided. (1) On ly ACBD (2 ) gave in
(SBI Ban k s PO Ex am . 2 0. 08. 200 0) (2) On ly B CDA (3 ) h ad b een given u p
1.  are n ot k eepi n g (3) On ly ABCD (4 ) h ad b een given in
A. good h eal th l ately (4) On ly CBDA (5 ) No corr ecti on requ ir ed
B. you sh ou l d k n ow (5 ) Non e of th ese 12. Every on e of u s m u st h ave exp e-
C. wh y you 7.  b elieved it ri en ced h ow peopl e h av e t o p u t
D. th e r eason A. wi th m y own eyes u p wi t h a go od deal of di scom -
(1) On ly B DCA B. I wou ld fort wh i le travel lin g.
(2 ) On ly DBCA  C. h ad I n ot seen th is (1) h ave t o be pu t wit h a good
(3) On l y BADC D. n ot h ave deal of
(4) On ly CDBA (1) On ly BDAC (2) h ave been pu tti n g u p a good
(5) On ly BDAC (2) On ly BDCA deal wi th
2.  t h iefs (3) On l y CABD (3) h ave to pu t u p a good deal
A . t o gu ar d h is h ou se (4 ) Both B DCA an d CABD with
B. an d k eep away (5 ) Non e of th ese (4) are p u t ti n g u p wi th a good
C. som e fierce dogs deal wi th
8.  i t is
D. h e k eeps (5) No correcti on requ ir ed
A. u n derstan d wh y
(1) On l y CBAD 13. Di spu tes are m ain l y m ain t ain ed
B. h is own son s
(2) On ly D CAB by th ose wh o ar e n ot h i n g el se
C. h e distru sts t o d o.
(3) On ly DABC D. difficu lt to
(4) On l y ADBC (1) h ave n ot h in g else to do
(1) On l y DACB (2 ) are n ot h in g to do el se wh ere
(5 ) Non e of th ese
(2) On ly ABDC (3) h ad n ot h in g to be don e
3.  h is bu sin ess
(3) On ly BADC (4) do n ot h ave n oth in g else t o do
A. was a h eavy bl ow to
(4) On ly CBDA (5) No correcti on requ ired.
B. h is cri m e
(5 ) Non e of th ese 14. Th e j u dge n oticed th at th e t wo
C. th e d iscovery of
Di r ec t i o n s (9 -1 8 ) : In each sen - statem en ts m ade b y th e accu sed
D. h is repu t ation an d ten ce bel ow, a word / gr ou p of wor ds wer e n ot co n si st en t fr o m each
(1) On ly CADB h as been pri n ted in bo l d . From t h e other.
(2) On l y BADC fi ve an swer ch oices given below each (1) were n ot bein g in con sist en ce
(3) On l y CBAD sen ten ce, pi ck ou t th e on e wh ich can for
(4) Eith er ACDB or CAB D su b st i t u t e t h e bol d wor d / gr ou p of
(2 ) were bei n g in con sisten t at
(5 ) Non e of th ese words correctly, wi th ou t ch an gi n g th e
m ean i n g of t h e sen t en ce. (3 ) h ad n ot been con si sten t for
4.  t h e book
(SBI Ban k s PO Ex am . 2 0. 08. 200 0)
(4 ) were n ot con sist en t wi th
A. in h i s own wor ds
9. He claim s th at h is p roposal is (5 ) No corr ecti on requ ir ed
B. h e h ad read
pr efer abl e t h an t h at of an y oth - 15. The econom ic reforms in itiated in
C. th e en ti re story 19 91 h av e bor n e f r u i t .
D. carefu lly an d cou ld tell er em p loyee.
(1 ) p referab le th an for (1 ) h ave born fru it
(1) On ly BDCA
(2 ) p referab le for th an (2 ) h ave bu r n t fu r it
(2) On l y BACD
(3 ) p referably m or e t h an th at of (3 ) h ave been b orn e fru i ts
(3) On ly ABDC
(4 ) p referab le to of (4 ) h ave been bear in g th e fru i ts
(4) On ly ABDC
(5 ) No correcti on requ ired. (5 ) No corr ecti on requ ir ed
(5 ) Non e of th ese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-424-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310

16. Ou r b u si n ess fi r m s w er e f u l l
aw ar e o f th e prob lem s th ey were
goin g to face on t h e th resh old of
th e year 200 0.
(1 ) h ave been fu ll aware of
(2 ) were fu l ly aware of
(3 ) h ad b een fu lly aware at
(4 ) were fu lly aware in to
(5 ) No correcti on requ ired.
17. Th e h abi t of sm ok in g h as been
gr ow u po n t h e you n gster s.
(1 ) i s gr owi n g u p
(2 ) h as b een grown u p
(3 ) h as been growin g u p on
(4 ) h as grown u p
(5 ) No corr ecti on requ ir ed
18. To su cceed in a difficu lt task , per-
si st en t i s n eeded.
(1 ) p ersist en t is wh at on e n eeds
(2) persisten ce shou ld h ave need-
ed
(3 ) on e n eed t o b e p ersist ed
(4 ) p ersist en ce i s n eed ed
(5 ) No corr ecti on requ ir ed
D i r ec t i o n s (1 9 -2 3 ) : I n each
qu est ion bel ow fou r words n u m ber ed
(1 ), (2), (3 ) an d (4) h ave b een pri n ted,
on e of wh ich m ay be eit h er i n appr o-
pr i at e in the con text or wron gl y spelt .
Th e n u m ber of t h at wor d i s th e an -
swer. If al l th e fou r wor d s ar e cor -
rectly sp elt an d are appr opriate in th e
con text, m ar k (5) i.e., ‘All correct’ as
th e an swer.
(SBI Ban k s PO Ex am . 1 1. 02. 200 1)
19. Ki n dly n o t e (1 ) ou r ad dr ess (2 )
an d u se it in (3) all th e far t h er
(4) com mu n ication . All correct (5)
20. We are al r eady (1) to fi gh t (2) th e
b at t l e, (3 ) l et t h e en em y (4 )
com e. All correct (5)
21. Man y people in In d ia ch er i sh (1)
a desire to i m m i gr at e (2 ) to de-
v el oped (3) cou n tries to m ak e (4)
a for tu n e. All cor rect (5)
22. He took great pai n s (1 ) to sav e
(2) m an y dy ei n g (3) folk arts an d
h elped th e artists to live an h o -
n o u r abl e (4 ) l ife. All cor rect (5)
23. Ar u n did h i s M BA from a pr est i -
gi ou s (1) i n st i t u t e (2 ) by secu r -
i n g (3 ) first class i n t h is cal en -
dar (4 ) year. All cor rect (5)
Di r ect i on s (2 4 -3 3 ) : In each
qu est ion bel ow a sen ten ce wit h t wo
word s/ grou p of words pr in ted in bol d
type is given . On e of th em or both m ay
con t ain error. You h ave to fin d ou t th e
correct wor d of gr ou p of words fr om
am on g th e th ree ch oices d en ot ed by
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
MISCELLANEOUS
(A), (B ) an d (C) gi ven b el ow each (3 ) C on ly (4) Non e of th ese
sen ten ce wh ich can rep lace th e wron g (5 ) No corr ecti on requ ir ed
word/ grou p of word s an d m ak e t h e 29. Wh at m atters m ost i s th e qu ality
sen ten ce gram m atically correct . If th e of t h e p r od u ct an d o n l y n o t
sen ten ce is correct as i t i s, m ar k (5) m er el y th e cost , ap pearan ce or
i.e. No Cor rection Requ i red as you r size.
an swer. (A) Wh at ....... n ot m erely
(SBI Associ at e Ban k s PO
(B ) It ....... n ot on ly
Ex am . 2 1. 0 7. 20 02 )
(C) All th at ........ on ly n ot m ere
24. Ou r firm det erm in at ion h ad du e
(1) A on ly (2 ) B on ly
im pact on t h em an d t h ey wi l l be
(3 ) C on ly (4) Non e of th ese
ch an ged th eir d ecision .
(5 ) No corr ecti on requ ir ed
(A) h avin g ...... h ave ch an ged
30. You r in vest m en t advi sor sh ou l d
(B ) em p h as i s ed .. .. .. w i l l b e
ch an ged be con cer n ed abou t th e secu rity
of an d h i gh r et u r n s on y ou r
(C) h ad ....... ch an ged
i n ves t m en t , r at h er t h an h i s
(1) A on ly (2 ) B On ly
b en efit .
(3 ) C on ly (4 ) Eith er A or C
(A) sh ou l d b e con cern ...... for
(5 ) No corr ecti on requ ir ed
(B) sh ou l d h ave con cer n .......
25. Deep br eat h i n g ex er ci ses ar e with
fou n d to be of ex t r em e h el pf u l
(C) sh ou l d b e h avi n g con cer n
to patien ts su fferin g from h i gh
....... over.
bl ood pressu r e.
(1) A on ly (2 ) B on ly
(A) D eep l y b r ea t h i n g . . . . . . .
(3 ) C on ly (4 ) Eith er A or B
ext rem ely h elpfu l
(5 ) No corr ecti on requ ir ed
(B) D eep b r ea t h i n g . . . . . . . . o f
ex trem e h elp 31. Peopl e wh o are in sen sitive an d
i n di ffer en ce to the agon i es of th e
(C) D eep b r ea t h i n g ......
poor can n ot ser ve th e societ y.
ext rem ely h elpfu l
(A) i n differ en ce ....... su fferi n g
(1) A on ly (2 ) B on ly
(B ) i n di fferen t ......... su fferi n g
(3 ) C on ly (4 ) Eith er B or C
(C) i n differ en t ......... agon i es
(5 ) No corr ecti on requ ir ed
(1) A on ly (2 ) B on ly
26. B y t h e t i m e t h ey r e ac h t h e
s t a t i on , t h e t r ai n h a d b e e n (3 ) C on ly (4 ) Eith er B or C
d ep ar t ed . (5 ) No corr ecti on requ ir ed
(A) r each ed ....... h as 32. Get t i n g car r y away by sli gh test
(B ) reach ....... h ad p r o v o c a t i o n i s a s i gn o f
i m m at u r i t y .
(C) r each ed ...... h ad
(A) Get t i n g car r i ed aw ay ......
(1) A on ly (2 ) B on ly
immatu rity
(3 ) C on ly (4 ) Eith er A or B
(B) Get carry away ........ m atu rity
(5 ) No corr ecti on requ ir ed
(C) G et c a r r i ed a w a y . . . . . . . .
27. Th ese d ay s, c u st o m er s h a ve
matu rity
been r ec ei v i n g bett er ser vi ces
(1) A on ly (2 ) B on ly
fr om ban k em pl oyees.
(3 ) C on ly (4) Non e of th ese
(A) r eceived ....... by
(5 ) No corr ecti on requ ir ed
(B ) b een received ...... fr om
33. Ou r em pl oyees are so car efu l in
(C) r eceived .......... fr om
th eir work th at n on e h as been
(1) A on ly (2 ) B on ly
so far f ou n d an y err or in th eir
(3 ) C on ly (4 ) Eith er A or C work .
(5 ) No corr ecti on requ ir ed (A) very car efu l ....... h ave so far
28. It was h eart en in g n ews th at you fou nd
n ar rowly escaped bein g ru n ov er (B) so car efu l ........ h as so far
by a speedi n g car yesterday. fou nd
(A) n arrowed ....... ru n over (C) so effici en t ........ h ave so far
(B) n arrowly ..... ru n across fou nd
(C) n ar r ow ed d own ....r u n n i n g (1) A on ly (2 ) B on ly
over (3 ) C on ly (4 ) Eith er B or C
(1) A on ly (2 ) B on ly (5 ) No corr ecti on requ ir ed
-425-

Di r ect i o n s (3 4 -3 8 ) : In each
qu est ion , th er e ar e t h r ee sen t en ces
den ot ed b y (A), (B) an d (C). Fin d ou r
wh ich two or t h ree sen ten ces con vey
th e sam e m ean i n gs. If al l th ree sen -
t en ces are d i ffer en t , m ar k 5 as th e
an swer i .e. ‘all differ en t ’.
(SBI Associ at e Ban k s PO
Ex am . 2 1. 0 7. 20 02 )
34. (A) Th e Man ager wou ld lik e you
to h elp h im locate th e fau l t.
(B) If you h elp h im l ocat e th e
fau lt, th e Manager wou ld lik e
you .
(C) Th e M an ager d esi r es t h at
you sh ou ld provide h i m t h e
n ec es s a r y a s s i s t a n c e t o
locat e th e fau l t.
(1 ) A an d B (2 ) B an d C
(3 ) A an d C (4 ) All t h e th r ee
(5 ) All d ifferen t
35. (A) Alth ou gh th e strik e of tran s-
p or t er s con t i n u es, I sh al l
com e.
(B) I sh all com e if th e stri k e of
tr an sp orters con t in u es.
(C) E ven t h ou gh I com e, t h e
st rik e of t ran spor ter s i s go-
in g to con ti n u e.
(1 ) A an d B (2 ) B an d C
(3 ) A an d C (4 ) All t h e th r ee
(5 ) All d ifferen t
36. (A) Un li k e t h e t ri bals wh o are
h a r d w o r k i n g, t h e u r b a n
c o m m u n i t i es can n ot
with stan d ph ysical str ain .
(B) Th e t r i b al s can wi t h st an d
ph ysi cal str ain wh ereas u r -
ban com m u n ities can n ot.
(C) B ec a u s e t h e t r i b a l s a r e
h ardwork i n g th ey can t oler -
at e p h ysical st rai n .
(1 ) A an d B (2 ) B an d C
(3 ) A an d C (4 ) All t h e th r ee
(5 ) All d ifferen t
37. (A) Sh ou l d you n eed a visa you
m u st su b m it an app licati on
alon g with you r Passport and
a copy of in com e tax retu rn s.
(B) Un less you do n ot su bm it an
ap pli cati on alon g with you r
passport and “copy of in come
tax r etu rn s, you will n ot get
visa”.
(C) If you su bm i t you r app lica-
tion alon g with you r passport
an d a copy of in com e tax r e-
tu rn s you do n ot n eed visa.
(1 ) A an d B (2 ) B an d C
(3 ) A an d C (4 ) All t h e th r ee
(5 ) All d ifferen t
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
38. (A) Th e ju dge remark ed th at n ot
al l t h e accu sed were r eal ly
gu ilty.
(B) Th e j u d ge r em ar k ed t h at
som e of t h e accu sed wer e
gu i lty wh ile ot h ers were n ot.
(C) Th e j u dge rem ar k ed th at all
th ose wh o are accu sed i n -
cl u de som e wh o are n ot r e-
ally gu ilty.
(1 ) A an d B (2 ) B an d C
(3 ) A an d C (4 ) All t h e th r ee
(5 ) All d ifferen t
Di r ect i on s (3 9 -4 3 ) : On e of t h e
fou r words given in each of th ese qu es-
tion s m ay be wr on gly spelt. Th e n u m -
ber of th at wron gly sp elt word i s t h e
an swer. If all th e fou r wor ds are cor -
rectl y spel t, m ar k (5 ) i .e. ‘All Cor rect’
as th e an swer.
(SBI PO Pr el i m i n ar y (Ti r e-I )
Ex am . 2 7. 04. 200 8)
39. (1) defamation
(2) arrogan t (3) solitu de
(4) exh orbitan t (5) All Corr ect
40. (1) decom pose (2) veteran
(3) ven tu rsom e (4) defin ition
(5) All Corr ect
41. (1) wastefu ll (2) preju dice
(3) ex pen si ve
(4) em barrassin g(5) All Corr ect
42. (1) sign ifican t (2) p ossessive
(3) im patient (4) device
(5) All Corr ect
43. (1) prosper ou s (2) glumy
(3) dorm an t (4) derogatory
(5) Al l correct
Di rect i on s (44-48 ) : In each qu es-
tion bel ow a sen ten ce wi th fou r words
pr in ted in bol d t ype is given . Th ese
ar e n u m b ered as (1), (2), (3) an d (4 ).
On e of t h ese fou r b o l d l y p r i n t ed
words m ay be eit h er wr on gl y spel t
or i n appr opr i at e in th e con text of th e
sen ten ce. Fi n d ou t th e word wh i ch is
wron gly spelt or in approp riate, if an y.
Th e n u m b er of th at word is you r an -
swer. If al l t h e word s p tin ted in bo l d
ar e cor rectly spel t an d al so ar e ap-
pr opr iat e in th e con t ext of th e sen -
tence, m ark (5) i.e. ‘All Correct’as you r
an swer.
(SBI PO Pr el i m i n ar y (Ti r e-I )
Ex am . 2 7. 04. 200 8)
44. Som e peop le th i n k th at th eir li fe
is fu l l of gr i ef (1 )/ an d m i ser i es
(2 )/ t oo gr i ev o u s (3 )/ t o b e
bor n .(4)/ All Correct (5)
45. Th e op i n i o n (1)/ ex pr essed (2 )/
is b ased on ly on ou r t r an sac-
MISCELLANEOUS
t i on s (3 )/ wit h th e part y c on -
cer n s. (4 )/ All Correct (5)
46. I was su r pr i sed (1)/ wh en I got
co n fi r m at i on (2 )/ of t h e n ews
th at h e was th e r eci p i en t (3)/ of
th e pr est i gi ou s (4)/ awar d. All
Correct (5)
47. The ci rcom st an ces (1)/ in which
th e cl ai m (2)/ was m ade are cer -
t ai n l y (3)/ u n bel i ev abl e. (4)/ All
Correct (5)
48. Th e au t h or i t i es (1)/ al ways r e-
qu est ou r assi st an c e (2)/ wh en -
ever t h ey fel t (3)/ th ey r equ i r e
(4)/ it. All Correct (5)
Di r ec t i o n s (4 9 –5 3 ) : In each of
t h e gi ven sen t en ces select th e sen -
ten ce wh ich wou ld eith er follow or pre-
cede th e given sen ten ce in gram m at i-
cal ly an d con cep tu al l y ap p r op ri at e
m an n er. Th e in stru ction is given at th e
en d of every st atem en t.
(SBI Assoc i at es Ban k Po
Ex am . 0 7. 03. 201 0)
49. Un for t u n at el y, h owever, th ese
sl u m dwellers are look ed u p on
by th e soci ety as an app en d ix
cau sin g ills in th e u rban society.
Wh ich of th e followin g sen ten ces
wou ld im m ed iat ely pr ecede th e
ab ove sen ten ce
(1) H eal t h offi ci al s h ave b een
w a r n i n g t h e go v er n m en t
again st t h e tran sm issi on of
con tagiou s diseases from th e
sl u m areas to oth er par ts of
th e ci ty
(2) Sl u m dwel ler s n ot on ly pl ay
a si gn i fi can t r ol e i n u rb an
econ om y b u t al so p r ovi d e
ch eap l ab ou r for ever y d ay
work of t h e citi es
(3) A recen t report su ggested that
3 4 p er cen t of gover n m en t
lan d is ill egal ly occu pi ed by
th e slu m dwellers
(4) Th e slu m dwellers live in su b
h u m an , u n h ygi en i c con d i -
ti on s in th ei r ti n y sh an ti es
an d are very often h u b s for
crim in al activities
(5) Non e of th ese
50. However, sin ce t h e begin n i n g of
th e n in eties, free m ark et forces
h ave been allowed to play for en -
su ri n g all r ou n d developm en t in
In dian m ark ets as wel l.
Wh ich of th e followin g sen ten ces
wou ld im m ed iately preced e t h e
ab ove sen ten ce ?
-426-
 MISCELLANEOUS
(1) E n t r y o f v a r i o u s m a r k et (2) Th e foreign m i n istry h as of- 55. (1) Astu te (2) Crafty
forces in creased t h e com p e- fered all possi ble h elp t o t h e (3) Wily (4) Naive
tition faced by th e indigen ou s go v er n m en t f o r h u n t i n g (5) Sh rewd
organ izations man ifold down th e terrorists in volved 56. (1) Di scer n (2) Recogn i se
(2) Th e sever e sh or tage of n ew- in it
(3) Discrim in ate (4) Differen tiate
est t ech n ology an d produ cts (3) Gover n m en t h as pol itel y d e-
(5) Eviscerate
in th e l ate 19 80s en ded wi th cl i n ed t h e r equ est t o h an -
57. (1) Bewil der ed (2) Perpl ex ed
th e en tr y of foreign pl ayers dover th e arrested terrorists
in th e In dian m ark et for p ro-secu ti on ou t sid e t h e (3) Con fu sed (4) Reser ved
(3) A m aj or roadblock faced by cou n try (5) Flu mmoxed
th e foreign in vest ors was t h e (4 ) Th e arr est ed t err ori sts were 58. (1) Pagean t (2) Pret en se
poor in frastru ctu ral facilities sen ten ced to l i fe i m pr ison - (3) Exh ibition (4) Lu rid
w h i ch w as h ow ever over - m en t after b ein g p rosecu t ed (5) Plu sh
tak en by th e pr osp ects seen b y a pan el of in tern at ion al Di r ec t i o n s (5 9 -6 3 ) : In each of
in th e h u ge m ark et ju dges th e followin g qu estion s fou r words are
(4) In d ia h ad been foll owin g a (5 ) Non e of th ese given of wh ich two wor ds are m ost
very sel ect ive an d con serva- 53. Th is i s b ecau se m ost of th e i n - n earl y t h e sam e or op posite in m ean -
ti ve econ om i c p oli cy d u ri n g st itu tes for h i gh er l earn in g lack in g. Fin d t h e n u m ber of cor rect l ett er
th e l ate 198 0s th e b asic in frastru ct u re, train ed combin ation.
(5) Non e of th ese st aff an d equ ip m en t n ecessary (SBI Pr obat i on ar y Of f i cer On l i n e
51. Th at was m ain l y b ecau se on ly for t h e p h ysically ch allen ged. Ex am , 2 1. 0 6. 20 14 )
two p ercen t of th e total farm ers Wh ich of th e followin g sen ten ces 59. (A) dominate (B) radical
cou ld actu ally com preh en d t h e wou ld im m ed iat ely pr ecede th e (C) deter m in ed (D) monopolise
len gth y procedu res to obtain th e ab ove sen ten ce ? (1) A – B (2) B – C
loan an d be ben efi ted from i t. (1) Man y ph ysically ch all en ged (3) A – D (4) B – D
Wh ich of th e followin g sen ten ces peop le h ave been perfor m in g (5) C – D
wou ld im m ed iat ely pr ecede th e as w el l as ot h er st u d en t s 60. (A) critical (B) equ itable
ab ove sen ten ce ? perform i n t h ei r st u di es (C) impartial (D) u nearth
(1) M an y m on ey l en d er s h ave (2) T h e p er cen t of i l l i t er a t e, (1) A – B (2) B – C
been m ak i n g th e m ost ou t of ph ysically ch allen ged people (3) A – D (4) B – D
th is sit u at ion an d p rovidi n g in ru ral areas is con siderably
(5) C – D
loan s to th e rest of th e far m - m ore th an th at in th e u rb an
er s at i n fl ated p rices areas 61. (A) sh in in g (B) raise
(2) Th ere is t h u s an u rgen t n eed (3) Accordin g to a recen t su rvey, (C) flou rish (D) th rive
t o m ak e t h e sch em es an d on ly t wo ou t of n ear ly 2 00 (1) A – B (2) B – C
policy as si m pl e an d farm er u n iversities in In dia h ave ad- (3) C – D (4) B – D
fr ien dly as possib le equ at e n u m b er of book s in (5) A – C
(3) A n ew loan sch em e st art ed Braille 62. (A) Affab le (B) ru de
by th e govern m en t a cou p le (4 ) Al t h ou gh gover n m en t h as (C) pacify (D) cajole
of m on th s ago proved to be a b een m ak i n g m an y p r ovi - (1) A – B (2) B – C
h u ge fai lu r e an d u tt erl y u n - si on s to i m prove h igh er ed u - (3) C – D (4) A – D
popu l ar am on g th e farm ers cation i n In dia, n o atten ti on (5) B – D
(4) Th i s si t u at i on can b e i m - h as b een pai d t o t h e edu ca-
63. (A) en erget ic (B) partial
pr oved b y p rovi din g m edi a- ti on of t h e ph ysicall y ch al-
(C) d iffu se
tors to car ry ou t an d follow- len ged st u den ts
(D) dispassionate
u p of th e len gth y offi cial p ro- (5 ) Non e of th ese
cedu r e for th e farm ers (1) A – B (2) B – C
Di r ec t i o n s (5 4 -5 8 ) : In th e fol-
(5 ) Non e of th ese lowin g qu est ion s, a set of five wor ds (3) C – D (4) A – D
52. The foreign embassy h as pu t for - is gi ven . Fou r of th e words ar e r elat- (5) B – D
ward a d em an d to th e gover n - ed in som e way, th e rem ai n in g word Di r ec t i o n s (6 4 –6 8 ) : In each of
m en t th at p rosecu tion m ay be is n ot r elat ed to th e rest. You h ave to followin g qu estion s, fou r words are giv-
carried ou t on a foreign land an d pi ck th e word wh ich d oes n ot fit in en , t wo of wh i ch are eit h er si m il ar or
n ot in th e cou n t ry to wh ich t h e th e relati on . op p osi t e i n m ean i n g. Ch oose su ch
terror ist s b elon g. (SBI M an agem en t Ex ecu t i v e pairs as you r an swer.
Wh ich of th e followin g sen ten ces Ex am . 2 3. 0 2. 20 14 ) (SBI Pr obat i on ar y Of f i cer On l i n e
54. (1) Disdain Ex am , 2 8. 0 6. 20 14 )
wou ld i m m edi at el y f ol l o w t h e
ab ove sen ten ce ? (2) Disloyalty 64. (A) Rem oved (B) Agon ised
(1) Ar m y arr est ed th e terrorists (3) In fidelity (C) Torm en ted (D) Torren tial
r esp on sib l e for k id n ap p in g (4) Un faithfu ln ess (1) B–C (2) A – C
fou r for eign tou ri sts after a (5) Un reliability (3) A–D (4) B – D
daylon g operation (5) C–D
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-427-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
 MISCELLANEOUS
65. (A) Un willin g (B) Strivin g Wh ich of t h e fol lowin g sen ten ces (1 ) On ly A (2 ) On ly B
(C) Un i m pressive wou ld im m ed iat ely pr ecede th e (3 ) On ly C (4 ) A an d C on ly
(D) Strik in g ab ove sen ten ce ? (5 ) B an d C on ly
(1) B – D (2) B – C (1 ) Th e 7 2 year old m an was ar - 2. You mu st sign you r railway pass,
(3) A – C (4) A – D rested on ch arges of h u m an wr ite you r n am e an d age on i t.
traffi ck in g According to the railway au th ori-
(5) B – D
(2 ) He was sen ten ced t o 5 years ti es, it becom es vali d on ly aft er
66. (A) Patent (B) Stylish
of ri gorou s im p rison m en t by th at.
(C) Fash ionable (D ) Wast ed th e j u d ge (A) To m ak e you r railway pass
(1) A – B (2) A – C (3 ) H e h owever m en tion ed th at val id, t h e railway au t h orit ies
(3) B – C (4) A – D t h e ol d m an d eser ved t h e sh ou ld .........
(5) B – D pu nish ment (B) Wi th ou t val idat in g you r rai l-
67. (A) Di sclose (B) Decide (4) Di sappoin ted with th e cou rt’s way p ass, you can n ot sign
(C) With old (D) With stan d decision , h is lawyer decid ed .... ....
(1) A – B (2) B – C to m ove t o t h e h igh er cou rt (C) To validate you r railway pass,
(3) C – D (4) A – C (5 ) Non e of th ese you m u st ........
(5) A – D 3. Sh reya was elated an d j u m p ed (1 ) On ly A (2 ) On ly B
68. (A) Fath omed (B) Ru ined w i t h j oy w h en t h e p r esi d en t (3 ) On ly C (4 ) A an d B on ly
(C) Devastat ed (D) Abru pt called ou t h er nam e on th e stage. (5 ) B an d C on ly
(1) A – B (2) A – C Wh ich of t h e fol lowin g sen ten ces 3. The doctor says that Ramesh has
(3) A – D (4) B – D wou ld im m ed iat ely pr eced e t h e lost h is im m u n ity. Th erefore, h e
ab ove sen ten ce ? is vu ln erab le t o an y disease.
(5) B – C
(1) Sh r eya w ai t ed wi t h b at ed (A) Ram esh ’s loss of im m u n i ty
br eat h for th e resu lt s as sh e
RBI GRADE–B h a d w o r k ed v er y h a r d
.... ....
(B) Becau se of h is vu ln erab ili ty
OFFICER EXAMS th r ou gh ou t t h e year
to h i s .........
(2) Sh r ey a w or k ed ver y h ar d
(C) Hi s vu ln erabili ty to an y di s-
Di r ec t i o n s (1 –3 ) : In each of t h e si n ce sh e wan ted t o wi n t h e
ease ........
gi ven sen t en ces sel ect th e sen t en ce em ployee of th e year awar d,
wh ich wou ld eit h er fol l ow or pr ecede (1 ) On ly A (2 ) On ly B
du e i n a cou pl e of m on t h s
th e given sen t en ce in gr am m ati cal ly (3 ) On ly C (4 ) On ly A an d C
(3) Her career sn owbal led fr om
and con ceptu ally appropriate man n er. th is poin t an d even tu ally sh e (4 ) On ly A an d B
Th e i n st ru ction i s gi ven at th e en d of becam e th e p residen t of t h e 4. How m u ch you sp eak is less im -
every st atem en t. com pan y portan t. Wh at is m ore im portan t
(RBI Gr ade-B Of f i c er (4) Th e p resi den t expr essed h is is h ow r elevan t you speak .
Ex am . 1 1. 1 0. 20 09 ) disappoin tmen t at the dismal (A) H ow r el evan t you sp eak i s
1. Th er efor e t h e arm y was cal led p er f o r m a n c e of the ......
u p on i m m ediately for r elief op- organ isation (B) How m u ch you sp eak is as
er ati on an d rescu e people fr om (5) Non e of th ese im port an t .........
in th e stor m h it town . (C) H ow r el evan t you sp eak i s
Wh ich of t h e fol lowin g sen ten ces INSURANCE EXAMS n ot as i m portan t ........
wou l d i m m ed i at el y f o l l o w t h e (1) On ly (A) (2) On ly (B)
ab ove sen ten ce ? Di r ect i on s (1 -1 0 ) : In each qu es- (3) On ly (C) (4 ) All t h e th r ee
(1) A severe st or m i s ex p ected ti on bel ow, two sen ten ces ar e given . (5 ) Non e of th ese
t o h i t t h e coast al t own on Th ese two sen ten ces ar e t o be com -
5. You m u st su b m it a cop y of you r
Wed n esd ay bi n ed in to a si n gl e sen t en ce wi th ou t
ration card. On l y t h en you r ap-
(2) Th e t ow n h ad n ot ex p er i - ch an gin g th eir m ean in g. Th r ee prob-
pl icat ion for telep h on e con n ec-
en ced su ch a st orm in sev- able starters of th e com bin ed sen ten ce
ti on will be con sid ered.
er al d ecad es ar e given wh ich ar e d en oted by (A),
(B ) an d (C). An y or m ore or n on e of (A) Un less you su b m it .......
(3) However t h e local force was (B ) Un less you r app lication for
u n able to h an dle th e i n ten se th em m ay be correct. Fin d ou t th e cor -
rect starter (s) an d accord in gl y select .... ....
situ ation alon e
you r an swer from am on g t h e gi ven (C) Wi th ou t you r ap plicati on for
(4) Th ey h owever t ook a ver y .... ....
fi ve an swer ch oices.
lon g tim e to reach th e ar ea
(LI C Assi st an t Adm i n i st r at i v e Of f i c er (1 ) On ly A (2 ) On ly B
as al l t h e ap p r oach w ay s
(AAO) Ex am . 200 6 ) (3 ) On ly C (4 ) On ly A an d B
were b lock ed
(5) Non e of th ese 1. It i s ver y col d h er e. You m u st (5 ) Non e of th ese
carry warm cloth es with you . 6. You n eed t wo t i ck et s ? Please
2. Th e accu sed was sh ock ed an d
begged to th e ju diciary for m ercy (A) Sin ce you m u st ........ st an d in th e qu eu e.
on gr ou n ds of h is old age. (B ) As i t i s very ....... (A) If you n eed .......
(C) If i t i s very ........
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-428-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310

(B ) In case you n eed ........
(C) Sh ou ld you n eed ........
(1 ) A an d B on ly
(2 ) B an d C on ly
(3 ) A an d C on ly
(4 ) All t h e th r ee
(5 ) Non e of th ese
7. Th e qu ali ty of th e fabri c was n ot
i m p r essi ve. We ch an ged ou r
pl an of pu r ch asin g.
(A) Th e qu al ity of th e fabri c b e-
i n g ........
(B ) We ch an ged ou r .......
(C) In spit e of th e u n im pressi ve
.. ... ..
(1 ) On ly A an d B
(2 ) On ly B an d C
(3 ) On ly C (4) A on ly
(5 ) All th e th ree A, B an d C
8. Madh u ri h as been con sisten t in
h er st u di es. Her perform an ce in
th e examination was n othin g else
bu t excellen t.
(A) Despi te bei n g con si sten t in
h er st u di es ........
(B) Madh u ri’s perform an ce in th e
examination was not excellent
b ecau se ........
(C) B ecau se M ad h u ri was on l y
consistent and not in telligen t,
h er p erform an ce ......
(1 ) On ly A
(2 ) On ly B an d C
(3 ) On ly A an d C
(4 ) All th e th ree A, B an d C
(5 ) Non e of th ese
9. Don ’t ad d so m u ch ch i lly pow-
der t o th e sou p . Con su m er s are
on ly sm all ch ild ren .
(A) Becau se small ch ildren do n ot
al low ch i lly powder .......
(B ) Si n ce sm all ch i ldr en d o n ot
con su m e m or e sou p .......
(C) Addin g m ore ch illy powder to
sou p m ak es th e sm all ch i l-
dr en lik e t h e ........
(1 ) Non e (2) A on ly
(3 ) B on ly (4 ) C on ly
(5 ) A an d C on ly
10. He al ways delays i n t ak in g an y
action . It m ak es oth ers su ffer a
lot.
(A) H i s t ak i n g act i on on t i m e
m ak es ......
(B ) Oth er su ffer a lot becau se of
.....
(C) On accou n t of h is pr ocr ast i-
n at ion ........
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(1 ) A, B an d C (2 ) A an d B on ly
(3 ) B an d C on ly(4) A an d C on ly
(5 ) Non e of th ese
Di r ect i on s (1 1 -1 5 ) : In each qu es-
t i on , t h er e ar e t h r ee sen ten ces d e-
n ot ed b y (A), (B) an d (C). Fin d ou r
wh ich two or t h ree sen ten ces con vey
th e sam e m ean i n gs. If al l th ree sen -
t en ces are d i ffer en t , m ar k 5 as th e
an swer i .e. ‘all differ en t ’.
(LI C Assi st an t Adm i n i st r at i v e
Of f i c er (AAO) Ex am . 200 6 )
11. (A) Th e M an ager wou ld lik e you
to h elp h im locate th e fau l t.
(B) If you h elp h im l ocat e th e
fau lt, th e Manager wou ld lik e
you .
(C) The Man ager desires that you
sh ou l d pr ovi de h im th e n ec-
essar y assi stan ce t o l ocat e
th e fau l t.
(1 ) A an d B (2 ) B an d C
(3 ) A an d C (4 ) All t h e th r ee
(5 ) All d ifferen t
12. (A) Al th ou gh th e st rik e of t ran s-
p or t er s con t i n u es, I sh al l
com e.
(B) I sh all com e if th e stri k e of
tr an sp orters con t in u es.
(C) E v en t h o u gh I c om e, t h e
st rik e of t ran spor ter s i s go-
in g to con ti n u e.
(1 ) A an d B (2 ) B an d C
(3 ) A an d C (4 ) All t h e th r ee
(5 ) All d ifferen t
13. (A) Un l ik e th e tr ib al s wh o ar e
h ardwork in g, th e u rban com -
m u n i ti es can n ot wi t h st an d
ph ysical str ain .
(B ) Th e t r i b als can wi t h st an d
ph ysi cal str ain wh ereas u r -
ban com m u n ities can n ot.
(C) B ec a u s e t h e t r i b a l s ar e
h ardwork i n g th ey can t oler -
at e p h ysical st rai n .
(1 ) A an d B (2 ) B an d C
(3 ) A an d C (4 ) All t h e th r ee
(5 ) All d ifferen t
14. (A) Sh ou l d you n eed a visa you
m u st su b m it an app licati on
along with you r Passport an d
a cop y of in com e tax ret u rn s.
(B) Un less you d o n ot su bm it an
ap pli cati on alon g with you r
passport an d “copy of in com e
tax r etu rn s, you will n ot get
visa”.
(C) If you su bm i t you r app lica-
tion alon g with you r passport
MISCELLANEOUS
an d a copy of in com e tax r e-
tu rn s you do n ot n eed visa.
(1 ) A an d B (2 ) B an d C
(3 ) A an d C (4 ) All t h e th r ee
(5 ) All d ifferen t
15. (A) Th e j u dge rem ar k ed th at n ot
all t h e accu sed wer e r eall y
gu ilty.
(B ) Th e j u d ge r em ar k ed t h at
som e of t h e accu sed wer e
gu ilt y wh il e ot h er s were n ot.
(C) Th e j u dge rem ar k ed th at all
t h ose wh o ar e accu sed i n -
cl u de som e wh o are n ot r e-
ally gu ilty.
(1 ) A an d B (2 ) B an d C
(3 ) A an d C (4 ) All t h e th r ee
(5 ) All d ifferen t
Di r ec t i o n s (1 6 -2 0 ) : Each qu es-
ti on is a set of 3 or 4 sen ten ces wh i ch
con vey an id ea. Of th ese, on e or t wo
i s/ ar e su p p r essed . To fi l l u p t h e
sp aces of th e su ppr essed sen ten ce (s)
two p ossible fi llers den oted by (A) an d
(B) are given . Fin d ou t wh i ch on e, two
or n on e can fil l u p t h e space of t h e
su ppr essed sen ten ce (s) to m ak e t h e
paragraph m ean in gfu l an d m ark you r
an swer accordi n gl y.
(LI C Assi st an t Adm i n i st r at i v e Of f i c er
(AAO) Ex am . 200 6 )
Cau t i on : Wh i le m ark in g you r an -
swer p l ease al so con si d er t h e se-
qu en c e of t h e sen ten ces if bot h t h e
sen ten ces ar e r equ i red to fi ll u p t h e
sp aces.
16. As far as ai rcr aft m ain ten an ce
pr ocedu res are con cer n ed, th ey
are rigorou s. (_____). Su ch cases
m ay en du p in disastrou s resu lts,
th ou gh exception ally.
(A) All problem s are im m ediately
corrected on alm ost every oc-
casi on .
(B ) On ly du e to u rgen cy or wan t
of ai rcr aft for su b st i tu ti on ,
certain on es are overlook ed.
(1 ) A an d B (2 ) B an d A
(3) A on ly (4 ) B on ly
(5 ) Non e of th ese
17. Th e interrogation lasted for abou t
n i n e fu l l work in g days. (_____).
Th e j u dge ob ser ved th at h e was
im pressed with th e ou tcom e as
th e i n vol vem en t of th e accu sed
in th e cr im e was cr yst al clear.
(A) Hard ly an yt h i n g wor th t h e
n am e cam e ou t of su ch a
m arath on in terrogation .
-429-
 MISCELLANEOUS
(B ) T h e p r o sec u t i on l a w y er, 21. Mat ch 27. HOBBLE : WALK : :
th ou gh in vain , h ad relen t- (1 ) Fan s in In d ia go crazy over a (1) gallop : r u n
lessl y appl ied all h i s wit to cr ick et m atch . (2) st am m er : speak
ex pose t h e accu sed. (2 ) D o y o u t h i n k t h i s sh i r t (3) st u m b le : fall
(1 ) A an d B (2 ) B an d A m atch es th ree t rou ser s? (4) sn iff : sm ell
(3) A on ly (4 ) B on ly (3 ) D on ’t sh ow a m atch t o t h e 28. FRAYED : FABRIC : :
(5 ) Non e of th ese bon fir e yet. (1) water ed : lawn
18. Au to ridi n g is a very fascin ati n g (4 ) Th is car h as n o m atch i n t h e (2) ren ovated : bu i ldi n g
h obb y. (_______). It is obviou s m ark et.
t h at t h ey con si d er t h e h ob b y (3) th awed : i ce
22. Rest
m ore im p ort an t th an an yth i n g (4) worn : n erves
(1 ) Th e d oct or t old h i m to rest
el se. 29. YOLK : EGG : :
for a few days.
(A) Low or even m i ddl e i n com e (1) ri n d : m el on
gr ou p peopl e can ’t affor d i t. (2) Hi s m oth er rests in peace in
(2) n u cleu s : cell
th eir fam ily gr aveyar d.
(B) I k n ow m an y people wh o h as (3) st alk : corn
missed many im portant cases (3) Th is car h it th e t h ree, r oll ed
over an d cam e to r est in a (4) web : spid er
or op por tu n ities for par tici-
ditch . 30. BAMBOO : SHOOT : :
patin g in au toridin g.
(4) Wh y don ’t you rest for som e- (1) bean : sprou t
(1 ) A an d B (2 ) B an d A
thing? (2) pepper : corn
(3) A on ly (4 ) B on ly
23. In t rodu ce (3) oak : tr ee
(5 ) Non e of th ese
19. Th ere is n o dou bt th at we m u st (1) T h e h os t i n t r o d u ced t h e (4) h olly : spr ig
be fair and hon est in all ou r deal- gu est s t o on e an oth er. Di r ect i on s (3 1 –3 6 ) : Ch oose th e
in gs (_______). Wh at you r eal ly (2) In trodu cin g in su l in in t o t h e r igh t ‘part s of speech ’ of th e word s
ar e is less im portan t th an wh at body is a d elicate m atter. gi ven in th e qu est ion s b elow.
y ou ar e p er cei ved b y p eop l e (3) Th e em ployees welcom ed th e (Gen er al I n sur an c e Cor p or at i on
arou n d you . ch an ges in t rod u ced b y th e AAO Ex am . 1 1. 12. 201 1 )
(A) It m ean s t h at per cep tion as- n ew D irector. 31. Degau ss
su m es gr eat er i m p or t an ce (4) You sh ou ld in tr odu ce a few (1) Noun (2) Adjective
th an reality. jok es in to you r n ext sp eech . (3) Verb (4) None of th e above
(B ) B u t even m ore im p ortan t is 24. Ri de 32. Cu lvert
h ow you are perceived by oth - (1) Nowad ays h e is ri din g l ow in
er s. (1) Nou n (2) Adjective
h i s office. (3) Verb (4) None of th e above
(1 ) A an d B (2 ) B an d A (2) I wen t for a ri de last Satu r -
(3) A on ly (4 ) B on ly 33. Plu m ose
day on m y b rot h er ’s bik e.
(5 ) Non e of th ese (1) Noun (2) Adjective
(3 ) You r boss is ri din g you t oo
20. Th e ad m ir ati on for th ose wh o (3) Verb (4) None of th e above
h ard at th e m om en t.
fi gh t again st corr u pt ion in h i gh 34. Marau d
(4) I don ’t th in k on e can tak e m e
p l aces h as al w ays b een ver y (1) Noun (2) Adjective
for a rid e easil y.
sp on t an eou s am on gst th e com - (3 ) Verb (4) None of th e above
m o n p eo p l e i n I n d i a . T h ey 25. Press
35. Halcyon
u n h esi t an t l y ap p r eci at e su ch (1) Th e m an ager is pressd by m y
qu alification s. (1) Noun (2) Adjective
acts bu t are afrai d of op en l y d o-
in g so for fear of th e h i gh er u p s. (2) Th e crowd p ressed agai n st (3) Verb (4) None of th e above
(A) They hold su ch people in h igh th e door tryin g to get in to th e 36. Shard
esteem wh o m ak e sacri fices bu ilding. (1) Noun (2) Adjective
on pr in ci ples an d m oral i s- (3) Th e ch i ld ren p ressed som e (3) Verb (4) None of th e above
su es. fl owers in t h ei r b ook s. D i r ec t i o n s (3 7 –4 0 ) : I n t h e
(B) Th ey m ak e verbose speech es (4) I wan t t o p ress m y sh ir t. followin g qu estion s th e word at th e top
of ad m iration an d appr eci a- Di r ect i on s (2 6 –2 7 ) : Sel ect t h e is u sed in fou r d ifferen t ways. Ch oose
ti on of su ch act s. pair of wor ds wxh i ch are relat ed in th e opti on i n wh ich t h e u sage of t h e
(1 ) A an d B (2 ) B an d A th e sam e way as th e capitalised words word is i n cor r ect or i n app r opr i at e.
(3) A on ly (4 ) B on ly ar e r elated to each oth er. (New I n d i a I n sur an c e AAO
(5 ) Non e of th ese (LI C Assi st an t Adm i n i st r at i v e Of f i c er Ex am . 2 2. 0 5. 20 11 )
D i r ec t i o n s (2 1 - 2 5 ) : I n ea ch (AAO) Ex am . 0 7.0 6. 200 9 ) 37. Cou rt
qu est ion , t h e word gi ven in bo l d is 26. SCALES : J USTICE : : (1 ) H e h as been cou rt in g J an e
u sed in fou r d ifferen t ways. Ch oose (1) weigh t s : m easu r es for si x m on th s.
th e opti on i n wh ich t h e u sage of t h e (2 ) H e h as d ifficu lty in cou rti n g
(2) laws : cou r ts
word is i n cor r ect or i n app r opr i at e. h i s feeli n gs in to word s.
(3) torch : l iber ty
(Un i t ed I n d i a I n sur an c e Co. (3 ) Th e p rison er was b rou gh t to
(AAO) Ex am . 1 1.0 3. 200 7 )
(4) lau n ch : peace
cou rt for t rial.

I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-430-
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310

(4 ) Th e t en n is m at ch will tak e
pl ace on th e grass cou r t.
38. Ex pen se
(1) M ost ch i l d r en i n In d ia ar e
ed u cated at pu b lic exp en se.
(2) We h ad a good l au gh at h is
exp en se.
(3) He b ecam e a good sch olar,
bu t on ly at th e expen se of h is
h ealth .
(4) A man of you r expense shou ld
do well in life.
39. Demand
(1) The policem an deman ded his
n am e an d add ress.
(2 ) He cam e to m y h ou se an d
dem an ded h el p.
(3 ) H ow wou ld you dem an d th at
th e worl d is rou n d ?
(4 ) Th e wor k er’s d em an ds were
refu sed b y t h e em pl oyer.
40. Master
(1) Sh e cou l d n ot m ast er t h e
cou r age t o t el l h er fr i en d
ab ou t h er loss.
(2) Sh e qu i ck ly m ast ered th e art
of in ter viewin g peopl e.
(3) Th e t err ori st was a m ast er of
disgu ise.
(4) He is th e m aster of his h ou se.
D i r e c t i o n s (4 1 –4 4 ) : E a c h
qu est ion bel ow con sists of a relat ed
pair of word s foll owed b y fou r pai rs
of word s. Sel ect t h e p ai r t h at b est
ex presses th e r elat ion sh i p sim il ar to
th e origi n al pair.
(New I n d i a I n sur an c e AAO
Ex am . 2 2. 0 5. 20 11 )
41. Cobbl er : sh oes : :
(1) Mech an ic, au tom obile
(2 ) Carp en t er : saw
(3) Pain ter : easel
(4 ) In ter rogator : qu esti on
42. Mu seu m : exh ibi t : :
(1) Scu lp tor : stat u e
(2 ) Prison : cell
(3) Pain t in g : fram e
(4 ) Th eatre : per for m an ce
43. Gr ain : sil o : :
(1 ) Seed : plan t
(2) Water : b u ck et
(3 ) Dr u ggist : d oct or
(4 ) Fu rlon g : m i le
44. Doctor : di sease
(1 ) Moron : i m becili ty
(2) Paediatrician : sen ility
(3 ) B rok er : stock s
(4) Psych iatrist : m aladju stm en t
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
D i r e c t i o n s (4 5 –4 8 ) : E a c h
qu est ion bel ow con sists of a relat ed
pair of word s foll owed b y fou r pai rs
of word s. Sel ect t h e p ai r t h at b est
ex presses th e r elat ion sh i p sim il ar to
th e origi n al pair.
(Or i en t al I n su r an ce Com pan y
Ex am . 0 8 . 0 4 . 2 0 1 2 )
45. Po or : Weal t h : :
(1 ) Calorifi c : Heat
(2 ) Afflu en t : H eal th
(3 ) Em aciated : Ob esi ty
(4 ) Hon est : Tru th
46. St ar ey : Gl an ce ::
(1) Scorn : Adm i re
(2) Hu n t : Stalk (3) Gu lp : Sip
(4 ) Con fi de : Tell
47. St or ey : Bu i l di n g : :
(1) Plot : Ou tl in e
(2) Ru n g : Ladd er
(3 ) Cabl e : Elevat or
(4) Fou n dation : Sk yscrap er
48. Do ct o r : Di sease : :
(1) Moron : Im becili ty
(2) Paediatrician : Sen ility
(3) Br ok er : Stock s
(4) Psychiatrist : Maladju stmen t :
D i r ec t i o n s (4 9 –5 2 ) : I n t h e
followin g qu estion s th e word at th e top
is u sed in fou r d ifferen t ways. Ch oose
th e opti on i n wh ich t h e u sage of t h e
word is in correct or inappropriate.
(Or i en t al I n su r an ce Com pan y
Ex am . 0 8 . 0 4 . 2 0 1 2 )
49. PUSH
(1) Th e m an u factu rers are really
pu sh in g t h is n ew sh am poo.
(2) He h as difficu lty pu sh in g h is
feeli n gs in t o word s.
(3) We sh ou l d b e able to m ove
t h i s t ab l e i f w e p u sh i t
togeth er.
(4) Sh e p u sh ed t h r ou gh t h e
cr owd sayin g th at sh e was a
doctor.
50. LINE
(1) Ou r t eleph on e l in e is down
d u e t o t h e h eavy r ai n l ast
nigh t.
(2) Th e stu d en t s were stan di n g
i n a l i n e for t h e m or n i n g
p rayer.
(3) Hi s coat is li n ed wi th sil k .
(4) Th e t each er cu t off h is n am e
fr om th e li n e of sch olarsh ip
awar d ees.
51. FAR
(1) Sh e i s clever an d in t ell igen t
an d will go far i n h er life.
MISCELLANEOUS
(2) We wen t for a d rive b u t we
cou ldn ’t go far.
(3) I can ’t r em ain wit h ou t far for
a lon g tim e.
(4) So far everyth in g h as gon e
well wit h ou r th eatr e.
52. MASTER
(1) Sh e cou l d n ot m ast er t h e
cou r age t o t el l h er fr i en d
ab ou t h er loss.
(2) Sh e qu i ck ly m ast ered th e art
of in ter viewin g peopl e.
(3) Th e t err ori st was a m ast er of
disgu ise.
(4) He is the m aster of h is h ou se.
Di r ect i on s (5 3 –5 5 ) : In th e fol-
lowin g qu est ion s, a sen ten ce is given
in active voice. Fin d th e corr ect pas-
si ve voice version from t h e given al-
tern at ives.
(Or i en t al I n su r an ce Com pan y
Ex am . 0 8 . 0 4 . 2 0 1 2 )
53. Som eon e h ad lock ed th e class-
room .
(1) Th e class-r oom is lock ed.
(2) Th e cl ass- r oom was b ei n g
lock ed .
(3) Th e cl ass- r o om h as b een
lock ed .
(4) Th e cl ass- r oom h ad b een
lock ed .
54. We ju stly rebu k ed h im for act-
in g so selfi sh l y.
(1) H e h as j u st l y r eb u k ed for
selfish n ess.
(2) He was ju stl y r ebu k ed by u s
for actin g so selfi sh l y.
(3) He h as b een ju stly rebu k ed
by u s for actin g so selfi sh l y.
(4) H e h as r eb u k ed b y u s for
actin g so selfi sh l y.
55. Th at rem ark h as wou n d ed m y
feel in gs.
(1) M y f eel i n gs h a v e b een
wou n d ed by t h at rem ar k .
(2) M y f eel i n g s h a s b een
wou n d ed by t h at rem ar k .
(3) My feeli n gs was wou n d ed by
th at r em ar k .
(4) M y feel i n gs wer e wou n d ed
by th at r em ar k .
Di r ect i on s (5 6 –6 0 ) : Each qu es-
ti on below con sists of a rel ated pair
of wor d s fol l owed b y fou r p ai r s of
words. Select t h e pai r t h at best ex-
presses th e rel ation sh ip sim ilar t o th e
origin al pair.
(Un i t ed I n d i a I n sur an c e AAO
Ex am . 0 3 . 0 6 . 2 0 1 2 )
-431-

56. Cr est : Wave ::
(1 ) B asin : Wat er
(2 ) Crown : Tr ee
(3 ) San d : Du n e
(4) Mou n t ain : Ice
57. J oy : Ecstasy ::
(1) Rain : Dr ou gh t
(2 ) River : Creek
(3) Br eeze : Hu r rican e
(4 ) Delu ge : Flood
58. Con st itu t ion : Pream bl e : :
(1 ) Prel u de : Overtu re
(2) Legislation : In t rodu ct ion
(3 ) Play : Epi logu e
(4 ) Book : Preface
59. Doctor : Di sease ::
(1) Moron : Im becili ty
(2) Paedi atrician : Sen il ity
(3) Br ok er : Stock s
(4) Psych iatrist : Maladju stm en t
60. Team : At h letes ::
(1) Allian ce : Nat ion s
(2 ) Gam es : Seri es
(3 ) D elegates : Mi ssi on
(4 ) Con gregati on : Preach ers
61. Below are gi ven alt ern atives to
th e bol d p art at (1 ), (2) an d (3)
w h i ch m ay i m p r ove t h e sen -
ten ce. Ch oose th e cor rect alter -
n ative. In case n o im provem en t
is n eeded , you r an swer is ‘4 ’.
Wi ll you l en d m e few r u p ees in
th is h ou r of n eed?
(1 ) b orr ow m e a few r u pees
(2) len d m e an y ru pees
(3) len d m e few ru p ee
(4) No im provem en t
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
62. Ou t of th e fou r altern at ives su g-
gested, select th e on e wh ich best
ex presses th e sam e sen ten ce in
In dir ect / Dir ect sp eech .
He said to h er, “Wh at a cold day”.
(1) He told h er, th at it was cold
day.”
(2) He ex cl aim ed th at i t was a
cold d ay
(3) H e ex cl ai m ed sor r ow fu l l y
th at it was a col d d ay
(4) He ex cl aim ed th at i t was a
very col d d ay
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
63. Ou t of th e fou r altern at ives su g-
gested, select th e on e wh ich best
ex presses th e sam e sen ten ce in
Passive/ Acti ve Voice.
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Ou r t ask h ad been com p l et ed
befor e su n set .
(1 ) We com p leted ou r task b e-
fore su n set
(2) We h ave com plet ed ou r task
befor e su n set.
(3) We com plete ou r task b efore
su n set .
(4) We h ad com p let ed ou r task
befor e su n set.
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
64. In th e followin g qu estion , ou t of
th e fou r alter n atives, ch oose th e
on e wh ich can be su bstitu ted for
th e given word s/ sen t en ce.
To s ecr et l y st or e m or e t h an
wh at i s allowed
(1) hoard (2) store
(3) hide (4) aboard
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
65. In th e foll owi n g qu estion , th ere
ar e fou r di fferen t words, ou t of
wh ich on e is wron gly spelt. Fin d
th e wron gly spelt wor d.
(1) Pneu mon ia (2) Diarrh eao
(3) Xen ophobia (4) Am nesia
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
66. Ou t of th e fou r altern at ives su g-
gested, select th e on e wh ich best
ex presses th e sam e sen ten ce in
In dir ect / Dir ect sp eech .
I sai d t o h i m , “Wh y ar e y ou
wor k i n g so h ar d”?
(1) I a sk ed h i m w h y h e h a s
work in g so h ard
(2) I as k ed h i m w h y w a s h e
work in g so h ard
(3) I ask ed h im wh y h e h ad been
work in g so h ard
(4) I ask ed h im wh y h ad h e been
work in g so h ard
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
67. Below are given alterm atives part
at (1 ), (2) an d (3 ) wh ich m ay i m -
pr ove th e sen ten ce. Ch oose t h e
cor rect al tern at i ve. In case n o
i m p r ovem en t i s n eed ed , you r
an swer i s ‘(4)’.
The fin an ce m in ister said th at h e
wou ld work for the i m part i al dis-
tr ibu t ion of wealt h .
(1) equ itable (2) ju st
(3) fair
(4) No im provem en t
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
MISCELLANEOUS
68. Ou t of th e fou r altern at ives su g-
gested, select th e on e wh ich best
ex presses th e sam e sen ten ce in
Passive/ Acti ve Voice.
Th e b oy l au gh ed at th e beggar.
(1) Th e b eggar was lau gh ed by
th e b oy
(2) T h e b egga r w a s b ei n g
lau gh ed by th e boy.
(3) T h e b egga r w a s b ei n g
lau gh ed at by th e boy.
(4) Th e beggar was l au gh ed at
by th e boy.
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
69. Th er e ar e fou r d ifferen t wor ds
ou t of w h i ch on e i s w r on gl y
sp el t . Fi n d t h e wr on gl y sp el t
word .
(1) Com mission (2) Omission
(3) Possession (4)Occassion
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
70. In th e followin g qu est ion s, ou t
of th e fou r al tern ati ves, ch oose
th e on e wh ich can b e su bst itu t-
ed for t h e gi ven w or d s/ sen -
ten ce.
Ver y dr am at i c
(1) Histrion ic (2) Hippocratic
(3) Hirsu te (4) Hoary
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
71. Below are gi ven alt ern atives to
th e bol d p art at (1 ), (2) an d (3)
w h i ch m ay i m p r ove t h e sen -
ten ce. Ch oose th e cor rect alter -
n ative. In case n o im provem en t
is n eeded, you r an swer i s ‘(4)’.
Th e gr ou n d w as w et ou t si d e
wh en I got u p in th e morn in g yes-
terday. It h ad been r ai n i n g al l
i n t h e n igh t.
(1) rain ed all in
(2) been r ain in g all t h rou gh
(3) rainin g all in
(4) No im provem en t
(NI CL (GI C) Adm i n i st r at i v e Of f i c er
Ex am . 08 .0 9.2 01 3 Paper -I )
72. In th e followin g qu estion , a sen -
ten ce h as been given i n Di rect/
In dir ect Sp eech . Ou t of th e fou r
altern atives su ggested, select th e
on e wh i ch b est ex p r esses t h e
sam e sentence in In direct/ Direct
Sp eech .
David sai d t o An n a, “Mon a wi ll
leave for h er n ative place tom or -
row.”
-432-

(1) David told An n a t h at Mon a
will leave for h er n ative place
tom or row.
(2) David told An n a t h at Mon a
left for h er n ative p lace t h e
n ext day.
(3) David told to An na th at Mona
wou ld be leavi n g for h er n a-
ti ve place t om orrow.
(4) David told An n a t h at Mon a
wou l d l eave for h er n at ive
pl ace th e n ext day.
(NI CL (GI C) Adm i n i st r at i v e Of f i c er
Ex am . 08 .0 9.2 01 3 Paper -I )
73. Below are gi ven alt ern atives to
th e bol d p art at (1 ), (2) an d (3)
w h i ch m ay i m p r ove t h e sen -
ten ce. Ch oose th e cor rect alter -
n ative. In case n o im provem en t
is n eeded, you r an swer i s ‘(4)’.
Th e Wom en ’s Em an cipation B ill
was sen t back t o t h e Lok Sab h a
by th e Presiden t for fu r t h er ex -
am i n at i on .
(1) fu rth er secu ri ty
(2) fu rth er r eadi n g
(3) fu rth er p eru sal
(4) No im provem en t
(NI CL (GI C) Adm i n i st r at i v e Of f i c er
Ex am . 08 .0 9.2 01 3 Paper -I )
74. In th e followin g qu est ion , sen -
ten ce h as been given i n Di rect/
In dir ect Sp eech . Ou t of th e fou r
altern atives su ggested, select th e
on e wh i ch b est ex p r esses t h e
sam e sentence in In direct/ Direct
Sp eech .
Ki ran ask ed m e, “Did you see
th e cr ick et m atch on t elevisi on
last n igh t”.
(1) Ki r an ask ed m e wh et h er I
saw t h e cr i ck et m at ch , on
televisi on th e earli er n igh t
(2) Ki r an ask ed m e wh et h er I
h ad seen th e cr ick et m at ch
on television th e earlier n igh t
(3) Ki ran ask ed m e di d I see t h e
cr ick et m at ch on t elevi si on
last n igh t
(4) Ki ran ask ed m e wh eth er h ad
seen t h e cr i ck et m at ch on
televi sion last n igh t
(NI CL (GI C) Adm i n i st r at i v e Of f i c er
Ex am . 08 .0 9.2 01 3 Paper -I )
75. Sel ect th e on e wh ich b est ex -
p r esses t h e sam e sen t en ce i n
Passi ve Voice.
Th ey d rew a circle in th e m or n -
ing.
(1) A cir cle was bein g drawn by
th em in th e m or n in g.
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(2) A cir cle was dr awn by th em
in th e m orn i n g.
(3) In th e m orn in g a cir cle h ave
been drawn by th em .
(4) A ci r cl e h as b een d r awi n g
sin ce m orn in g.
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
76. Fi n d th e od d m an ou t from t h e
option s.
(1) Torn ado (2 ) Twist er
(3) Cyclon e (4) Volcan o
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
77. Ch oose th e on e wh i ch can b e
su bstitu ted for th e given words/
sen t en ce.
A fi gu r e of speech b y wh i ch a
th in g is sp ok en of as bein g th at
wh ich it on l y r esem bl es
(1) Metaph or
(2) Sim ile
(3) Person ification
(4) Alliteration
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
78. An alogy for
NIGHTLY : DAILY ::
(1) n octu rn al : d iu rn al
(2 ) b lack : wh i te
(3 ) su n set : su n ri se
(4 ) opalescen t : i ridescen t
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
79. In th e qu est ion gi ven bel ow, a
p art of sen t en ce i s p ri n t ed i n
bold . Below are given al tern a-
ti ves to th e bol d p art wh i ch m ay
i m p r ove t h e sen t en ce. Ch oose
th e corr ect al tern ati ve. In case
n o im provem en t is n eeded , op-
ti on (4) is th e an swer.
We were n ot th e wiser for all th is
effor t to ex plain th e case t o u s.
(1) none (2) Neit h er
(3 ) n everth eless
(4) No im provem en t
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
80. Fi n d t h e corr ect word for ex-
pr ession .
In stru m en t for testin g th e qu ali-
ty of m i lk
(1) Altimeter (2) Lactom eter
(3) Bar om eter (4) Chronometer
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
81. An alogy for
SCALE : TONE ::
MISCELLANEOUS
(1 ) p h ysi cian : m ed ici n e
(2 ) wave : am pl itu de
(3 ) sp ect ru m : colou r
(4 ) scan ty : p len ty
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
82. An alogy for : NECROMANCER :
WITCHCRAFT::
(1 ) p u rit an : excel len ce
(2) gou rm an d : starvat ion
(3 ) swin dler : k n avery
(4 ) lawyer : graft
(NI CL (GI C) AO (Fi n an c e)
Ex am . 0 8. 0 9. 20 13 )
83. Ou t of th e fou r altern at ives su g-
gested, select th e on e wh ich best
ex presses th e sam e sen ten ce in
passive/ Acti ve Voice.
We m u st r esp ect th e el der s.
(1) Th e el der s d eser ve r esp ect
fr om u s.
(2) Th e elder s m u st be respect-
ed .
(3) Th e elder s m u st be respect-
ed by u s.
(4 ) Respect th e eld ers we m u st.
(NI CL (GI C) AO (Fi n an c e)
Ex am . 1 5. 1 2. 20 13 )
84. Ou t of th e fou r al ter n ati ves gi v-
en below, ch oose t h e on e wh i ch
can b e su bstit u ted for t h e given
wor ds/ sen ten ces.
To t ak e secretly in sm all qu an ti-
ties.
(1 ) Robbery (2) Pil ferage
(3 ) Th eft (4) Defalcation
(NI CL (GI C) AO (Fi n an c e)
Ex am . 1 5. 1 2. 20 13 )
85. Below are gi ven alt ern atives to
th e b old par t at (1), (2) an d (3)
w h i ch m ay i m p r ove t h e sen -
ten ce. Ch oose th e cor rect alter -
n ative. In case n o im provem en t
is n eeded , you r an swer is (4 ).
Au daci t y is the m oth er of in ven -
tion.
(1) Ten acity (2) Necessi ty
(3) Pau city
(4) No im provem en t
(NI CL (GI C) AO (Fi n an c e)
Ex am . 1 5. 1 2. 20 13 )
86. Fi n d th e od d m an ou t from t h e
given option s.
(1) Black jack (2) Flash
(3) Rou lette (4 ) B rid ge
(NI CL (GI C) AO (Fi n an c e)
Ex am . 1 5. 1 2. 20 13 )
87. Ch oose t h e p air t h at best ex -
pr esses t h e relation sh ip : Den -
ti st : Teeth ::
-433-
 MISCELLANEOUS
(1) Paleon tologist : M on u m en ts Di r ec t i o n s (9 3 –9 7 ) : In each 57. (2) 58. (4) 59. (4) 60. (3)
(2) Der m atol ogist : Sk in qu estion below a sen ten ce with fou r
61. (1) 62. (1) 63. (1) 64. (5)
(3 ) Astr ologist : Past words prin ted in bol d type is given .
65. (5)
(4 ) Gen ealogist : Gen es Th ese are n u m bered as (1), (2), (3) an d
(4). On e of th ese fou r words prin ted in
(NI CL (GI C) AO (Fi n an c e)
bol d m ay be eith er m i sspel t or i n ap-
SBI PO EXAMS
Ex am . 1 5. 1 2. 20 13 )
88. Ch oose th e on e wh i ch can b e pr opr i at e in th e con text of th e sen - 1. (1) 2. (2) 3. (3) 4. (1)
su bstitu ted for th e given words/ t en ce. Fi n d ou t t h e wor d wh i ch i s 5. (4) 6. (5) 7. (4) 8. (1)
sen t en ce. wron gly spelt or inappropriate if an y.
9. (5) 10. (1) 11. (2) 12. (5)
An establish ed prin ciple of prac- Th e n u m ber of th at word is you r an -
swer. If all th e words prin ted in bol d 13. (2) 14. (4) 15. (4) 16. (2)
tical wisdom
are correctly spelt an d also appropri- 17. (3) 18. (4) 19. (4) 20. (1)
(1) Marxism (2) Maxim
ate in the con text of th e senten ce, mark 21. (2) 22. (3) 23. (5) 24. (3)
(3) Neologism (4) Platon ism
(5), i.e., ‘All correct’as you r an swer. 25. (3) 26. (3) 27. (5) 28. (5)
(NI CL (GI C) AO (Fi n an c e)
Ex am . 1 5. 1 2. 20 13 ) (NI ACL Ad m i n i st r at i v e Of f i c er 29. (1) 30. (5) 31. (4) 32. (1)
(AO) Ex am , 11. 01. 201 5 )
89. Ar ran ge th e fou r l in es given b e- 33. (2) 34. (3) 35. (5) 36. (5)
low i n a logical sequ en ce. 93. As we seek t o b u i l d b ri d ges t o
37. (5) 38. (4) 39. (4) 40. (3)
a. I decided t o ask h er a d irect prosperi t y (1)/ we m u st not loose
(2 )/ sigh t of ou r r espo n si bi l i t y 41. (1) 42. (5) 43. (2) 44. (4)
qu estion .
(3)/ to th e m illion s livin g wi t h ou t 45. (4) 46. (5) 47. (1) 48. (3)
b . “You ’ve alr ead y t old m e th at
Sy b i l cam e t o t al k t o y ou (4 )/ h op e. All cor rect (5) 49. (2) 50. (1) 51. (3) 52. (3)
ab ou t th e di n n er on th e d ay 94. Now you can b ook on li n e you r 53. (4) 54. (1) 55. (4) 56. (5)
sh e d isappeared . Was th ere en t r y (1 )/ tick ets to a (2) Taj m a- 57. (4) 58. (4) 59. (3) 60. (2)
an yth ing else?” h al in Agra an d Hu m ayu n ’s Tom b 61. (3) 62. (1) 63. (5) 64. (1)
c. For a mom en t, I thou gh t Orva (3 )/ in th e capi t al (4)/ . Al l cor -
65. (2) 66. (3) 67. (4) 68. (5)
wou l dn ’t an swer. rect (5)
d . Th en sh e seem ed t o m ak e a 95. Th e ac i den t s (1)/ is said t o (2 )/ RBI GRADE–B
decision . h ave oc cu r r ed (3)/ in th e ear ly
(1 ) acdb (2 ) badc h o u r s (4)/ of Sat u rd ay. All cor - OFFICER EXAMS
(3 ) cadb (4 ) ab cd rect (5)
1. (4) 2. (2) 3. (1)
(NI CL (GI C) AO (Fi n an c e) 96. Th e h ealth depor t at i o n (1)/ h as
Ex am . 1 5. 1 2. 20 13 ) pu t gov er n m en t (2)/ hospitals on INSURANCE EXAMS
90. Ar ran ge th e fou r l in es given b e- al ert after th e d eat h of a wom an
low i n a logical sequ en ce : (3 )/ du e to swi n e (4)/ flu . Al l cor - 1. (2) 2. (3) 3. (1) 4. (1)
a. J oe h ad h ad trou bl e falli n g rect (5) 5. (1) 6. (1) 7. (1) 8. (5)
asleep, an d on ce asleep, h e 97. Th e r esep t i o n i st (1)/ is th e fir st 9. (1) 10. (3) 11. (3) 12. (5)
wen t from on e d ream t o an - po i n t (2 )/ of con tact m ost people 13. (5) 14. (5) 15. (4) 16. (1)
other. h av e (3)/ wi t h (4)/ th e cl in ic. All
17. (5) 18. (4) 19. (4) 20. (3)
b . Th e ph on e ran g. correct (5)
21. (3) 22. (4) 23. (2) 24. (3)
c. He was sh owi n g a h ou se to a
25. (1) 26. (1) 27. (2) 28. (3)
you n g cou ple. SHORT ANSWERS
d . He look ed at it bu t cou l d n ot 29. (2) 30. (4) 31. (3) 32. (1)
fi n d i t. 33. (2) 34. (3) 35. (3) 36. (1)
(1 ) ad cb (2 ) acbd
NATIONALISED BANKS
37. (2) 38. (4) 39. (3) 40. (1)
(3 ) bd ca (4 ) cb ad & IBPS PO/MT/SO 41. (1) 42. (4) 43. (2) 44. (4)
(NI CL (GI C) AO (Fi n an c e) 45. (3) 46. (3) 47. (2) 48. (3)
1. (4) 2. (5) 3. (1) 4. (4)
Ex am . 1 5. 1 2. 20 13 )
5. (2) 6. (1) 7. (5) 8. (4) 49. (2) 50. (4) 51. (3) 52. (1)
91. An alogy for :
9. (2) 10. (1) 11. (4) 12. (1) 53. (4) 54. (2) 55. (1) 56. (2)
SKATE : RINK ::
(1 ) p ark : ben ch 13. (4) 14. (4) 15. (5) 16. (5) 57. (4) 58. (4) 59. (4) 60. (4)
(2 ) pl ay : stadi u m 17. (2) 18. (4) 19. (1) 20. (3) 61. (4) 62. (4) 63. (4) 64. (1)
(3 ) p ain t : pi ctu re 21. (5) 22. (5) 23. (2) 24. (4) 65. (2) 66. (1) 67. (1) 68. (4)
(4) bu i ld : col u m n 25. (3) 26. (2) 27. (5) 28. (1) 69. (4) 70. (1) 71. (2) 72. (4)
(NI CL (GI C) AO (Fi n an c e) 29. (2) 30. (4) 31. (5) 32. (4) 73. (2) 74. (2) 75. (2) 76. (2)
Ex am . 1 5. 1 2. 20 13 ) 33. (2) 34. (4) 35. (5) 36. (2) 77. (2) 78. (1) 79. (3) 80. (2)
92. Fi n d th e od d m an ou t from t h e 37. (3) 38. (4) 39. (2) 40. (5) 81. (3) 82. (3) 83. (2) 84. (2)
option s.
41. (2) 42. (5) 43. (1) 44. (2) 85. (2) 86. (2) 87. (2) 88. (2)
(1) Trappin gs (2 ) Or ifi ce
45. (4) 46. (3) 47. (4) 48. (5) 89. (4) 90. (2) 91. (2) 92. (1)
(3 ) Egress (4 ) Ven t
(NI CL (GI C) AO (Fi n an c e)
49. (2) 50. (1) 51. (3) 52. (2) 93. (2) 94. (2) 95. (1) 96. (1)
Ex am . 1 5. 1 2. 20 13 ) 53. (1) 54. (4) 55. (1) 56. (1) 97. (1)
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
-434-
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EXPLANATIONS
NATIONALISED BANKS
& IBPS PO/MT/SO
1. (4) Replace t h e word ‘u n dertook ’
b y Pa s t Pa r t i c i p l e f o r m
‘u n dertak en ’.
2. (5) Al l correct
3. (1) Th e appr opr iat e word wi ll be
— expr essed.
4. (4) Th e cor r ect s p el l i n g i s —
param eter s.
5. (2) Th e co r r ect sp el l i n g i s —
d eficit .
6. (1) Is it enou gh to blam e poor peo-
pl e for t h ei r own predicam en t ?
7. (5) Yet, desp ite m an y su ccesses
in em powerin g wom en , n u m er -
ou s i ssu es sti ll exist i n all areas
of life.
8. (4) At first, it sou n ds lik e an ironic
saviou r t o clim ate ch an ge prob-
lem s.
9. (2) Natu r ally th ere is too m u ch
r u sh an d com p et i ti on in ever y
field.
10. (1) Al l t h is h as resu l ted in a n o-
ti ceable ch an ge in a n u m b er of
l ar ge gover n m en t t en d er s for
n otebook s; wh ich were tradition -
al ly for desk top s.
11. (4) Th e appr opr iat e word wi ll be
– owin g.
12. (1) Th e correct spelli n g is – eco-
nomic
13. (4) Th e appr opr iat e word wi ll be
– below.
14. (4) Th e appr opr iat e word wi ll be
– in ci den t.
15. (5) Al l correct
16. (5) Al l correct
17. (2) Th e corr ect spelli n g is : h u -
miliation.
18. (4) Th e corr ect spelli n g is : ap-
preciation .
19. (1) Rep l ace t h e w or d ‘r i ch ’ b y
‘reach ’.
20. (3) Th e cor rect spel lin g is : n eck -
lace.
21. (5) Al l correct
22. (5) Al l correct
23. (2) Th e corr ect sp elli n g is : allot.
24. (4) Th e appr opr iat e word wi ll be
: accepted.
25. (3) Th e appr opr iat e word wi ll be
: ben efi t.
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H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
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26. (2) Th e appropri ate word sh ou ld
be : last.
27. (5 ) Al l correct
28. (1 ) Th e appr opri ate word sh ou ld
be : avai labl e.
29. (2) Th e correct spell in g is : fea-
sible.
30. (4) Th e correct spellin g is : m ech -
an ism s.
31. (5) Al l correct
32. (4) Th e appropri ate word sh ou ld
be : togeth er.
33. (2) Th e appropri ate word sh ou ld
be : com pl y.
34. (4) Th e appr opri ate word
sh ou l d b e : u n d ert ak en .
35. (5) Al l correct
36. (2) Th e correct spelli n g is : pr e-
par ed.
37. (3) Th e correct spelli n g is : di s-
close.
38. (4) Th e appropri ate word sh ou ld
be : t axes.
39. (2) Th e appropri ate word sh ou ld
be : altern ative.
40. (5 ) Al l correct
41. (2) Th e appropri ate word sh ou ld
be : last
42. (5 ) Al l correct
43. (1 ) Th e appr opri ate word sh ou ld
be : avai labl e.
44. (2) Th e corr ect sp ell in g is : fea-
sible.
45. (4) T h e c o r r ec t s p el l i n g i s :
m ech an ism s.
46. (3) Th e word Eq u i v ocat e (Ver b)
m ean s : to talk abou t som eth i n g
in a way th at i s d eli beratel y n ot
clear in order to avoid or h ide th e
tru th .
H en ce, t h e wor d s eq u i v o c at e
an d m i sl ead ar e syn on ym ou s.
47. (4) The words clan dest i n e an d se-
cr et ar e syn on ym ou s.
48. (5) Th e wor d I gn om i n i ou s (Ad-
j ect i v e) m ean s : th at m ak es you
feel ash am ed; d isgracefu l.
49. (2) Th e word Pr agm at i c (Adj ec-
t i v e) m ean s : solvi n g problem s
in a practi cal an d sen si ble way;
reali stic.
50. (1) Th e word Vi n di c t i v e (Adj ec-
t i v e) m ean s : tr yin g to h arm or
u p set som eb od y; sp i t efu l , r e-
ven gefu l.
51. (3) du m my 52. (2) h atred
53. (1) equ itably 54. (4) boring
55. (1) exu beran t
56. (1) Th e form of an in fin i tive is –
to + V 1
MISCELLANEOUS
57. (2 ) Rel at i v e Pr o n ou n ‘w h i ch ’
sh ou l d be u sed
58. (4) Replace ‘Com pet e (Verb )’ by
C o m p et i t i v e (A d j ec t i v e) a n d
‘sh ou l d’ by ‘sh ou ld be’ becau se
th e word , ‘in n ovat ive’ i s an Ad-
jecti ve n ot a Ver b.
59. (4) Th e even t sh ows past t im e.
H en ce Si m p l e Past sh ou l d b e
u sed.
60. (3) Here, we sen se n atu r al h ab it
or acti on . H en ce, Si m ple Presen t
sh ou ld be u sed.
61. (1 ) h er e, d esi r e .... sh ou l d b e
u sed.
62. (1 ) Here, l ay (V 2 ) .... sh ou ld be
u sed.
63. (1 ) Th e corr ect spelli n g is : di s-
appoin ting.
64. (5 ) Al l correct
65. (5 ) Al l correct
SBI PO EXAMS
1. (1) The only mean in gfu l sen tence
that can be formed by u sing th ese
ph rases is —
You sh ou ld k n ow th e reason wh y
you ar e n ot k eep in g good h eal th
lately. (l atel y m ean s recen tl y)
As n o sen ten ce h avin g a stru c-
tu re differen t from t h is sen ten ce
is possi ble to be con str u ct ed by
u sin g th e gi ven ph r ases, so t h e
an swer is (1 ).
2. (2) Th e stru ctu re of an asserti ve
(Affir m at ive) sen ten ce i s—
Su bject + Verb + Ob ject.
So th e stru ctu r e wh ich we can
h ave ou t of the given phrases is—
H e k eeps som e fi er c e dogs ...
  
SUB VERB OBJECT
As op tion (2 ) r epr esen ts th e cor -
rect str u ct u re, so th e an swer is
(2).
3. (3) The only mean in gfu l sen tence
th at can be form u lated wit h t h e
h elp of th ese p h rases is —
Th e d iscovery of h is cri m e was a
h eavy blow t o h is repu tation an d
h i s b u si n ess.
So th e st ru ctu re is —
CBAD
4. (1) Th e su bj ect of t h e sen ten ce
w i l l b e “h e”. H en ce, p ar t (B )
com es first. Th e stru ctu re wi ll be
—
Su bject + Verb + Ob ject.
-435-

Th at i s—
H e h ad read th e book
   Pr es en t Per f ec t C o n t i n u o u s
SUB VERB OBJECT
Th e corr ect str u ct u re is —
BDCA
This is th e on ly meaningfu l stru c-
tu re.
5. (4) Th e sen t en ce will be —
“H e is u n iversal ly ack n owl edged
to h ave been on e of t h e greatest
of n oveli sts.”
So, t h e an swer is (4 ).
6. (5) Th e sen t en ces wh ich can be
form ed ar e—
(i) He n ever cam e t o visi t m e i n -
sp ite of m y con tin u al ly i n vi t-
in g h i m .
(ii) He n ever cam e i n sp ite of m y
continu ally inviting him to visit
m e.
(iii) In spi te of m y con t in u all y i n -
vi tin g h i m h e n ever cam e to
vi sit m e.
(iv) In spi te of m y con t in u all y i n -
viti n g h im t o visit m e, h e n ev-
er cam e.
So t h e st ru ctu r e wh i ch can be
tak en is —
ABD C or, ABD C
or, BDCA or, BD CA
As n o opt ion coi n ci des wit h an y
of th ese stru ctu r es so th e an swer
is (5 ).
7. (4) Th e sen t en ce wh i ch can b e
form ed is —
(i) Had I n ot seen th i s wi th m y
own eyes I wou ld n ot h ave be-
li eved i t.
So, t h e an swer is (2 ).
8. (1) Th e on ly sen ten ce th at can be
form ed is —
“It i s di ffi cu l t to u n der stan d wh y
h e di stru sts h i s own son s”.
9. (5) We can n ot compare a propos-
al wi th a person .
So, we say—
(i) H is pr op osal i s b et t er t h an
th at of Ram .
Bu t we can n ot say—
(ii) H is pr op osal i s b et t er t h an
Ram .
As th e given sen ten ce is correct
in al l respects, so t h e an swer is
(5).
10. (1) Th e sen t en ce i s i n Pr esen t
Perfect Con tin u ou s ten se. Th is is
eviden t from t h e u se of fo r t h e
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l ast fou r decades (period of tim e)
Th e st ru ct u r e of a sen ten ce in
Ten se i s—
Su bject+H ave/ Has+Been +V 4 .
Again we say—
Ch am p i on t h e c au se o f (som e-
bod y ).
H en ce t h e cor r ect for m of t h e
part given in bol d is —
“h as b een c h am p i o n i n g t h e
cau se o f.”
11. (2) Gi v e i n m ean s allow on eself
to be defeat ed or overcom e (by
som ebody/ som ethin g).
For ex am pl e,
(i) Th e r ebel s were forced to gi ve
in .
(ii) Th e au t h or i t i es sh owed n o
si gn s of givin g in to th e k i d-
n ap per’s dem an d.
(iii) Sh e is a gu sty player, sh e nev-
er gives i n .
In th e gi ven sen ten ce, to m ak e
th e sen se cl ear, we sh ou l d u se
gi v e i n in Act ive Voi ce. Hen ce
Wer e gi ven i n sh ou ld be replaced
wi th gav e i n (V 2 ).
12. (5) Pu t u p wi t h is a Ph r asal Verb
w h i c h m ea n s b ea r , t o l er a t e
(som eth in g/ som ebody).
For ex am pl e,
I am n ot goi n g to pu t u p wit h all
th e d istu rban ces.
Th e m ean i n g of p u t u p w i t h
m ak es it cl ear th at t h e sen ten ce
is correct in all respect.
13. (2) We say,
(i) I h ave n oth i n g to do
(ii) He h as n oth in g el se to do
or,
(iii) Th ey h ave n oth in g el se to do
Bu t , we can n ’t say, we ar e n ot h -
i n g el se t o d o . Th i s sen t en ce
bears n o m ean in g. So, th e cor -
rect opt ion is (1 ).
14. (4) If on e fact or idea i s con si s-
ten t with anoth er, they do n ot con-
tr adi ct each oth er.
For ex am pl e,
New goal s are n ot always con sis-
ten t wit h t h e existin g p oli cies.
Th is sh ows t h at , we sh ou l d u se
wi t h i n p lace of fr o m .
15. (4) See th e d ifferen ce
V1 V2 V3
(i) Bear bore born
(ii) Bear bore born e
MISCELLANEOUS
In (i ), bear m ean s gi ve birt h t o.
In (i i), bear m ean s to carry som e-
th i n g. In th at case th e th ird form
is bo r n e an d n ot bor n .
Now, in th e given sen ten ce bor n e
is a wron g u se.
Again , th e sen t en ce i s in Pr esen t
Perfect Con t in u ou s Ten se. Th is
is becau se th e reform s were in i-
ti ated i n 1 991 an d is st ill con -
ti n u in g (as per th e sen se wh i ch
th e sen t en ce i n ten ds to con vey).
So, t h e corr ect op tion is (4 ).
16. (2) Aw ar e i s a Verb wh ich can be
m odified by an Adverb an d n ot
by an Ad ject ive. H ere fu l l i s an
Adj ecti ve, wh ich sh ou ld b e re-
pl aced with fu l l y (Adverb ).
17. (3) In Active Voice h as been is al-
ways foll owed b y a Verb i n t h e
fou rth form (V 4 ). So we say,
(i) He h as b een goin g ....
(ii) It h as been rai n in g sin ce Fr i-
day l ast.
Now gr ow u po n m ean s b ecom e
st ron ger, m ore fi r m l y fixed.
For ex am pl e,
Th e con victi on grew u p on h im
th at if h e h ad k n own th e work
wou l d be so di ffer en t fr om h is
ex p ect at i on s h e w ou l d n ever
h ave em b ark ed u pon i t.
So, we can u se “gr ow u pon + ob-
j ect ”.
Tak i n g i n t o con si d er at i on al l
t h ese asp ect s, we can n ’t b u t
ch oose (3) as th e an swer.
18. (4) Wh at i s n eed ed t o b e su c-
ceeded? Per sist en ce. In th e bo l d
part Pesi st en t i s a Su bj ect . Bu t,
h ow can we u se an Adj ecti ve as
a Su b ject ? On ly a Nou n or Nou n
equ i val en t (Pr on ou n , Ger u n d ,
et c.) can be u sed as a Su b ject.
So, Per si st en t sh ou l d b e r e-
placed with Persi st en ce (Abstract
Noun).
19. (4) See t h e d i ffer en ce b et ween
far t h er an d fu r t h er :
Far t h er  more distan t in space,
di rect ion or tim e.
For ex am pl e,
Gu wah ati is far th er from Del h i
th an Kolk ata is.
(gen erally far t h er is u sed in con -
text to d ist an ce)
Fur t h er  more distan t in space,
di rect ion or tim e.
-436-
 MISCELLANEOUS
Th ou gh far t h er an d fu r t h er ar e Loo k at t h e sen t en c e : 59. (3) Dom i n at e (Ver b) = to con trol
syn on ym ou s bu t fu r t h er is m ore We sat i n gloom y sil en ce. or h ave a l ot of i n flu en ce over
p refer r ed i n case of di stan t or Th e word s gl oo m y an d gl u m are som eb ody/ som eth in g; t o b e t h e
time. syn onym ou s. m ost im portan t featu re of som e-
Hen ce in th e gi ven sen ten ce far - Loo k at t h e sen t en c e : th in g.
t h er wi ll be repl aced with fu r - Th e pl ayers sat th ere with gl u m M o n opo l i se (Ver b) = to h ave or
t h er. look s on th eir faces. tak e con tr ol of t h e l arger p art of
20. (1) Here al r eady wil l be replaced som eth in g.
44. (4) Th e wor d ‘b orn ’sh ou ld be r e-
wit h r eady . pl aced b y ‘bor n e’. Th e p ast par - H en ce, syn on ym ou s r el at i on -
21. (2) H er e i m m i gr at e wil l b e re- t i ci p l e for m of ver b ‘b ear ’ i s ship.
pl aced with m i gr at e. born e. 60. (2) Eq u i t abl e (Adj ect i v e) = fair
22. (3) Dy ei n g com es fr om th e word 45. (4) The word ‘con cerns’shou ld be an d reason ab le; treati n g ever y-
dy e m ean s to colou r. replaced by ‘con cern ed’(V 3 ). on e in an equ al way.
46. Correct (5) I m par t i al (Adject i ve) = n ot su p-
Here, dy ei n g sh ou l d be rep laced
47. (1) The correct spelling is circu m - p or t i n g on e p er son or gr ou p
wit h dy i n g.
stan ces. m ore th an oth er; u n biased.
Dy i n g com es from th e word di e.
48. (3) As th e sen t en ce i s i n Sim p le H en ce, syn on ym ou s r el at i on -
When people, anim als an d plants
Presen t , th e word ‘felt ’sh ou ld be ship.
di e, th ey stop li vin g.
replaced by ‘feel ’. 61. (3) Fl ou r i sh (Ver b) = to devel op
23. (5 ) All are correct
49. (2) Slu m dwell ers n ot on l y play a qu i ck l y an d b e su ccessfu l ; t o
24. (3 ) C on ly gr ow well ; t h rive.
significant role in u rban econ om y
25. (3 ) C on ly bu t also provide ch eap labou r for Look at t h e sen t en ce :
26. (3 ) C on ly everyday wor k of t h e citi es Few bu sin eesses are flou rish in g
27. (5 ) No corr ecti on requ ir ed 50. (1) En try of variou s m ark et forces in th e presen t econ om ic clim ate.
28. (5 ) No corr ecti on requ ir ed in creased th e com petit ion faced 62. (1) Af fabl e (Adj ect i v e) = pl eas-
29. (1) A on ly by th e in digen ou s organ ization s an t , frien dly an d easy to talk to;
manifold gen ial.
30. (5 ) No corr ecti on requ ir ed
51. (3) A n ew loan sch em e started by Ru de (Adj ec t i v e) = d i scou r t e-
31. (4 ) Eith er B or C
t h e gov er n m en t a c o u p l e o f ou s; i m p ol i te; sh owi n g l ack of
32. (1) A on ly m on th s ago p roved to be a h u ge respect for ot h er peopl e.
33. (2 ) B on ly fai l u r e an d u t t er l y u n p op u l ar Hence, anton ym ou s relation sh ip.
Di r ect i on s am on g th e farm ers
63. (5) Par t i al (Adj ect i v e) = sh ow-
34. (3 ) A an d C 52. (3 ) Gover n m en t h as pol itel y d e-
in g or feeli n g t oo m u ch su pport
35. (5 ) All d ifferen t clin ed the requ est to handover the
for on e p er son , i d ea et c. i n a
ar rested t er ror ists for p rosecu -
36. (5 ) All d ifferen t way t h at is u n fair ; bi ased.
tion ou tside th e cou n try
37. (5 ) All d ifferen t Di spassi on at e (Adj ect i v e) = n ot
53. (4 ) Al t h ou gh gover n m en t h as
38. (4 ) All t h e th r ee in flu enced by emotion ; im partial.
been m ak in g m an y provi sion s to
39. (4) Th e corr ect sp ell in g is ex o r - im prove h igh er edu cati on i n In - Hence, anton ym ou s relation sh ip.
bi t an t wh ich m ean s m u ch t oo di a, n o atten tion h as been paid 64. (1) Tor m en t (Ver b) = to an n oy a
high. to th e edu cation of th e ph ysically person or an an im al i n a cru el
Loo k at t h e sen t en c e : ch allen ged stu den t s. way; to m ak e su ffer very m u ch .
Goods bear exorb itan t prices in 54. (1) Di sdai n (Nou n ) = con tem pt A g o n i s ed = s u f fer i n g or ex -
th is sh op. Th e rem ai n in g ar e syn on ym ou s. pressin g an xiety
40. (3) Th e corr ect sp ell in g is v en - 55. (4) Ast ut e (Adj ect i v e) = very clev- 65. (2) St r i v e (Ver b) = t o tr y ver y
t u r esom e, wh ich m ean s: will in g er ; sh rewd . h ard to ach ieve som eth in g
to tak e risk s; darin g. Th e odd word is Nai v e = lack i n g St r i k i n g = v er y i m p r ess i ve;
41. (1) Th e corr ect spell in g i s wast e- ex peri en ce. m ark ed .
fu l , wh ich m ean s : u sin g m ore 56. (5) Ev i scer at e = to rem ove t h e 66. (3) St y l i sh = fashion able, elegan t
of som eth in g th an i s n ecessar y; in n er organ s of a bod y; d isem - an d at tractive; classy.
n ot savin g. bowl. 67. (4) Wi t h st an d = to resist; stan d
Loo k at t h e sen t en c e : Th e oth ers are syn on ym ou s. u p to.
Th e wh ol e pr ocess i s wastefu l 57. (4) Reser v ed = slow or u n wi lli n g Wi t h h ol d = to k eep back .
an d in effi cien t. to sh ow feel in gs or express op in - Di sc l o se = r eveal , gi ve som e-
ions. b od y i n form ati on ab ou t som e-
42. (5) All Corr ect
Th e oth ers are syn on ym ou s. th in g.
43. (2) T h e c o r r ec t s p el l i n g i s
gl o o m y , wh i ch m ean s: n ear l y 58. (4) Lu r i d (Ad j ec t i v e) = sh ock i n g 68. (5) Ru i n ed = d est r oyed or se-
an d violen t in a way th at is delib- ver ely d am aged.
dark ; depressi n g; sad , qu iet an d
er at e. D ev ast at ed = com p l et el y d e-
u n h appy.
Th e oth ers are syn on ym ou s. str oyed .
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 MISCELLANEOUS
31. (3 ) Th e wor d D egau ss (Ver b ) 50. (4) Th e t each er cu t off h is n am e
RBI GRADE–B m ean s : to decrease or elim in ate fr o m t h e l i n e of sch o l ar s h i p
OFFICER EXAMS an u n wan t ed m agn et ic fiel d. awar d ees.
32. (1) Th e w or d Cu l v er t (No u n ) 51. (3) I can ’t r em ain wit h ou t far for
1. (4) Th ey h owever took a very lon g m ean s : a tu n n el th at carr ies a a lon g tim e.
ti m e to r each t h e area as al l t h e ri ver or a p ipe for water u n der a 52. (1) Sh e cou l d n ot m ast er t h e
ap proach ways were bl ock ed road. cou rage to tel l h er frien d abou t
2. (2) He was sen ten ced t o 5 years 33. (2) Th e wor d Pl u m o se (Ad j ec - h er l oss.
of rigorou s im pr ison m en t b y t h e t i v e) m ean s : lik e a feath er. 53. (4) Th e cl ass- r oo m h a d b een
ju dge 34. (3) T h e w o r d M a r a u d (Ve r b ) lock ed .
3. (1) Sh r ey a w ai t ed w i t h b at ed m ean s :to go ar ou n d a place in 54. (2) He was ju stl y r ebu k ed by u s
br eat h for t h e resu lt s as sh e h ad search of th in gs t o steal or peo- for actin g so selfi sh l y.
work ed very h ard th rou gh ou t th e pl e t o at tack . 55. (1) My feelin gs h ave been wou nd-
year 35. (3) Th e w or d H al c y o n (Ad j ec - ed by th at r em ark
t i v e) m ean s :peacefu l an d h ap- 56. (2) Cr est is th e top part of a h i ll
INSURANCE EXAMS py. or wave. Cr own i s t h e h i gh est
36. (1) Th e word Sh ard (Noun ) means part of som eth in g.
1. (2) On l y B 2. (3) On l y C : a p iece of b rok en glass, m et al 57. (4) Ecstasy is a feeli n g or state
3. (1) On ly A 4. (1) On ly (A) et c. of very great h app in ess. Ecstasy
5. (1) On ly A 6. (1) A an d B only 37. (2) He h as d ifficu l ty in cou rti n g an d j oy m ean t h e sam e.
7. (1) On ly A an d B h i s feeli n gs in to word s. Delu ge i s a su d den very h eavy
8. (5) Non e of th ese 38. (4) A man of you r expense sh ou ld fal l of r ai n . D el u ge an d fl ood
9. (1) None 10. (3) B an d C on ly do well in life. m ean th e sam e.
11. (3) A an d C 12. (5) Al l d ifferen t 39. (3) How wou l d you dem an d th at 58. (4) Pream ble is an in trodu ction to
13. (5) Al l d ifferen t th e worl d is rou n d ? th e con stitu tion/ a written docu -
14. (5) Al l d ifferen t 40. (1 ) Sh e cou l d n ot m ast er t h e m en t.
cou rage to tel l h er frien d abou t Pr eface i s an in trodu ction to a
15. (4) Al l t h e th r ee
h er l oss. book .
16. (1) A an d B
41. (1 ) A cobbl er repairs sh oes; a 59. (4) Dector d eal s wi th disease.
17. (5) Non e of th ese
m ech an ic repairs an au tom obile. Psych iatrist deals with m aladju st-
18. (4) B on ly 19. (4) B on ly
42. (4) A m u seu m exh ibi ts ob jects of ment
20. (3) A only ar t i st i c, cu l t u r al , or h i st or i cal 60. (4) At h let es for m a team .
21. (3) ‘D on ’t stri k e/ pu t a m at ch to i n t er est . A t h eat r e i s a p l ace
t h e b on fi re’ wi ll b e th e corr ect 61. (4) No im provem en t
wh ere ar tists per for m .
u sage. 62. (4) H e ex cl aim ed t h at i t was a
43. (2) Gr ai n i s st ored i n si l o an d
22. (4) ‘W h y d o n ’t y o u r es t f o r very col d d ay
water is st ored in bu ck et.
som et i m e’ w i l l b e t h e cor r ect 63. (4) We h ad com p let ed ou r task
44. (4 ) D oct or cu r es d i sease an d befor e su n set.
u sage.
Ps y c h i a t r i s t c u r es
23. (2) ‘Injectin g insu lin in to th e body 64. (1) H o ar d (Ver b) = to col lect an d
maladju stm en t.
is a deli cat e m att er’ wil l b e t h e k eep large am ou n ts of food, m on -
45. (3 ) T h e w o r d E m a c i a t e d
correct sen ten ce. ey et c. esp eci all y secr etl y.
(A d j ec t i v e) m ean s : t h i n an d
24. (3) ‘Now a d ays h e is rid in g h i gh 65. (2) In Th e cor rect spellin g is : Di-
weak , u su al ly becau se of il ln ess
in h i s office’ will be th e correct arrhoea (an illness in wh ich waste
or lack of food.
u sage. m atter is em ptied from th e bow-
T h e w o r d , O b e si t y m ea n s :
25. (1) ‘Th e m an ager is im pressed by els mu ch frequ en tly th an n orm al)
fat n ess.
m y qu al i fi cat i on s’ wi l l b e t h e 66. (1) In I n d i r ect sp eech Pr esen t
Lack of weal th m ak es on e poor. con tin u ou s i s ch an ged in to Past
correct sen ten ce.
46. (3) St are = to look at som eth i n g con t in u ou s. In ter r ogat i ve sen -
26. (1) weigh t s : m easu r es
for a lon g tim e. ten ce becom es Asser tive.
27. (2) H o bbl e m ean s : to walk wi th
G l a n c e = t o l o ok q u i ck l y a t 67. (1) Eq u i t abl e (Adj ect i v e) = fair
difficu lty.
som eth in g. an d reason ab le; treati n g ever y-
St am m er m ean s : to sp eak wi th
Gu lp (= swallow) and sip (To drink on e i n an equ al way.
difficu lty.
sl ow l y) b ea r the sam e 68. (4) Th e beggar was lau gh ed at by
28. (3) th awed : i ce
relation ship. th e boy.
29. (2) Yol k m ean s : th e rou n d yel-
47. (2 ) Stor ey i s a level of a b u il din g. 69. (4) Th e corr ect spelli n g is : Oc-
low p art in th e m i ddl e of an egg.
Ru n g is a l evel of a ladder. casion
Nu cl eu s m ean s : th e cen tral part
of som e cell s. 48. (3 ) D octor d eal s with disease. 70. (1) Hi str ion ic beh avi ou r is very
30. (4) Sp rig m ean s : a sm all st em Br ok er d eal s with st ock s. em oti on al an d is i n ten ded t o at-
wi th leaves on it from a plan t or 49. (2) He h as d ifficu l ty pu sh in g h is t ract at ten ti on i n an i n si n cer e
bu sh e.g. spri g of h oll y. feeli n gs in t o word s. way.

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71. (2 ) Al l t h r o u gh n i gh t = wh ole
n igh t (continu ou sly).
72. (4) Here, Reportin g verb is in Past
ten se. H en ce, Repor ted Speech
sh ou ld also be exp ressed i n Past
ten se.
73. (2) Readi n g = on e of th e stages
du rin g wh ich a bil l m u st be di s-
cu ssed an d accepted b y a Par -
liamen t before it can becom e law.
74. (2) In In dir ect Speech , Past Si m -
pl e i s ch an ged in t o Past Per fect
an d l ast is ch an ged i n to ear lier/
previou s.
75. (2) Su bj ect + was/ wer e + V 3 +
by + object (Past Sim p le – pas-
sive).
76. (4) Torn ado, Twister an d Cyclon e
bear th e sam e m ean in g a vi o-
len t storm th at is cau sed by a
power fu l spin n in g colu m n of air.
Volcan o = a mou ntain with a large
open in g at the top th rou gh which
gases an d lava are forced ou t in to
th e ai r.
77. (2) Al literati on = u se of sam e let-
ter at the begin n in g of words th at
ar e cl ose t oget h er. e.g. si n g a
son g of sixp en ce.
Si m il e = A word or ph rase th at
compares som ething to something
el se
For exam p le, as wh ite as sn ow.
MISCELLANEOUS
M et ap h or = A wor d or p h r ase Au d ac i t y = b r ave b u t r u d e or
u sed t o d escribe som et h in g in a sh ock in g beh avi ou r ; n erve.
di fferen t way. 86. (2) Bl ack j ac k = a card gam e
He h as a h eart of ston e. Br i dge = a card gam e
78. (1) Ni gh t l y = h ap p en i n g ever y Fl ash = sign al, l igh t
nigh t. Ro u l et t e = a gam b lin g gam e
Daily = h ap pen in g every day. 87. (2) A den tist tr eat s t eet h .
Noctu rn al = active at n igh t. A der m at ologist tr eat s sk in di s-
Di u rn al = acti ve d u ri n g th e day. eases.
79. (3) Neverth el ess = Desp ite som e- 88. (2) Maxim 8 9 . (4) abcd
th in g; h owever. 90. (2) acbd
80. (2) Lactom et er – qu al ity of m i lk 91. (2) Sk at in g is perform ed on r in k .
Barom eter = atm osp h er ic pres- Pl ay is per form ed in stadiu m .
su re 92. (1) Egr ess (Nou n ) = t h e act of
Al tim eter = h ei gh t ab ove sea lev- leavi n g a p lace.
el Ven t (No u n ) = an open in g.
Ch ron om eter = tim e at sea Or i fi c e (Nou n ) = a h ole or open -
81. (3) Sc al e = a seri es of m u si cal ing.
n otes wi th fixed i n tervals T r app i n gs (Nou n ) = th e posses-
Ton e = on e of t h e five lon ger i n - si on s, cl oth es etc. t h at are con -
tervals i n a m u sical scal e. n ected wi th a parti cu l ar j ob or
82. (3) Necr om an cer = a person wh o social position .
claim s t o com m u n icate by m agic 93. (2 ) H ere, lose sh ou ld be u sed.
wi th dead peopl e. loose = n ot fi rm l y fixed.
Wi t ch cr af t = th e u se of m agic 94. (2) Article ‘th e’is u sed before his-
powers torical mon u m en ts.
Sw i n d l er – con m an ; ch eater. 95. (1) Th e correct spel lin g i s = acci-
K n av er y – dish on est y. den ts.
83. (2) The elders mu st be respected. 96. (1) Th e appropri ate word sh ou ld
84. (2) Pil ferage be = dep art m en t.
85. (2) Necessity is th e m oth er of i n - 97. (1) Th e corr ect spelli n g is = r e-
ven t ion . ception ist. ppp

MODEL EXERCISES
Di r ect i on s (1 -5 ) : Ch oose th e op- 4. FRAGILE : CRACK (4) En trapm en t : Gam e
tion wh ich con tain s a pair of words (1) Irredu cible : Redu ce (5) Non e of th ese
related to each oth er in th e sam e way (2) Cem etery : Death 7. ROOM : HOUSE
as th e pair given in capital letters.
(3) Hydro : Water (1) Ch air : Room
1. BACTERIA : ILLNESS
(4) Pliable : Ben d (2) Cabin : Sh ip
(1) Medicin e : Germ s
(5) Non e of th ese (3) Wh eel : Car
(2) Calciu m : Bon es
5. BOUQUET : FLOWERS (4) Cock pit : Plan e
(3) Kn ife : Laceration
(4) Fire : Explosion (1) Neck lace : Beads (5) Non e of th ese
(5) Non e of th ese (2) Door : Han dle
8. SORROW : DEATH
2. POETRY : PROSE (3) Room : Door
(1) Lau gh : Cry
(1) Stan za : Ch apter (4) Door : Win dow
(2) Happin ess : Birth
(2) Art : Fiction (5) Non e of th ese
(3) Fear : Hate
(3) Clau se : Sen ten ce Di r ect i on s (6 -1 2) : In an alogy you
(4) Novel : Variation are requ ired to gu ess th e fu n ction al (4) Con fu sion : An ger
(5) Non e of th ese relation between th e two given ‘words (5) Non e of th ese
3. SIP : GULP an d fin d th e sim ilar relation between 9. HANDCUFFS : PRISONER
(1) Sou p : Water th e words given in an y of th e option s. (1) Sh oes : Feet
(2) Ten t : Hu t 6. REHEARSAL : PERFORMANCE (2) Leash : Dog
(3) Tou ch : Pu sh (1) Satisfaction : Appetite
(3) Tail: Kite
(4) Cu p : Glass (2) Applau se : Au dien ce
(4) Rin g : Fin ger
(5) Non e of th ese (3) En gagem en t : Marriage
(5) Non e of th ese
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 MISCELLANEOUS
10. ISLAND : OCEAN Di rect i on s (18-22) : In analogy you 25. OVATION : APPLAUSE
(1) Hill: Stream are requ ired to gu ess the fu n ction al re- (1) Grief : Loss
(2) Forest : Valley lation between th e two given words and (2) Rou t : Defeat
(3) Tree : Field fin d th e sim ilar relation between th e (3) Triu m ph : Failu re
(4) Oasis : Desert words given in an y of th e option s. (4) Path way : Ru in
(5) Non e of th ese 18. ANTLERS : STAG (5) Non e of th ese
11. DRAMA : DIRECTOR (1) Man e : Lion 26. INVESTMENT : SOUND
(1) Movie : Scen ario (2) Win gs : Eagle (1) Tech n iqu e : In ept
(2) Hope : Optim ist (3) Hoofs : Horse (2) Ph ysiqu e : Stu rdy
(3) Magazin e : Editor (4) Horn s : Bu ll (3) Fabric : Silk
(4) An ch or: Playwrigh t (5) Non e of th ese (4) In tellect : Noble
(5) Non e of th ese 19. MYTH : LEGENDARY (5) Non e of th ese
12. LOYALTY : TRAITOR (1) Serm on : Len gth y 27. TIARA : HEAD
(1) Tru th fu ln ess : Liar (2) An edote : Witty (1) Kn apsack : Back
(2) Hope : Optim ist (3) Fable : Didactic (2) Palm : Han d
(3) Diligen ce : Work er (4) Epic : Com ic (3) Noose : Neck
(4) Un derstan din g : Sage (5) Non e of th ese (4) Eqau let : Sh ou lder
(5) Non e of th ese 20. INCUBATOR : INFANT (5) Non e of th ese
Di r ect i on s (1 3 -1 7 ) : Of th e. given (1) Cooler : Win e Di rect i on s (28-32) : In analogy you
fou r pairs, th ree pairs express th e re- (2) Arch ives : Docu m en t are requ ired to gu ess th e fu n ction al
lation sh ip sim ilar to th at expressed in relation between th e two given words
(3) Hive : Bee
th e capitalised pai r. Select th at pair an d fin d th e sim ilar relation between
wh ich is n ot related in th is way. (4) Green Hou se : Plan t th e words given in an y of th e option s.
13. EDITOR : NEWSPAPER (5) Non e of th ese 28. PLANT: PARASITE
(1) Lectu rer : Un iversity 21. SCURRY : MOVE (1) Tran sien t; Perm an en t
(2) Teach er : Sch ool (1) Ch an t : Sin g (2) Wild : Prey
(3) Nu rse : Hospital (2) Ch atter : Talk (3) Flora : Fau n a
(4) Arch itect : Design (3) Sleep : Drowse (4) Sailor : Pirate
(5) Non e of th ese (4) Lim p : Walk (5) Non e of th ese
14. HORSE : STABLE (5) Non e of th ese 29. MANAGER: OFFICE
(1) Hen : Coop 22. RUFFLE : COMPOSURE (1) Doctor : Patien t
(2) Mon k : Herm it (1) Flou rish : Prosperity (2) Cu rator : Mu seu m
(3) Fish : Pon d (2) Adju sted : Balan ce (3) Ban k : Accou n t
(4) Dog : Ken n el (3) Upset : Equ ilibriu m (4) Fru it : Seed
(5) Non e of th ese (4) Flou n ce : Tu rmoil (5) Non e of th ese
15. AEROPLANE : DRONE (5) Non e of th ese 30. INSINUATE : CHARGE
(1) Birds : Ch irp Di rect i on s (23-27) : In analogy you (1) Say : Den y
(2) Paper : Ch rin k le are requ ired to gu ess th e fu n ction al (2) Refer : Reject
(3) Silk : Ru stle relation between th e two given words (3) Hin t : Affirm
(4) Eleph an t : Tu sk an d fin d th e sim ilar relation between (4) Ch arge : Pardon
(5) Non e of th ese th e words given in arty of th e option s. (5) Non e of th ese
16. OPENING : INAUGURATION 23. ANTLERS : STAG 31. BRAVE : VALOUR
(1) Mem ory : Com mem oration (1) Win gs : Eagle (1) Look : See
(2) Display: Exh ibition (2) Hoofs : Horse (2) Cyn ic : Dou bt
(3) Adm ission : In itiation (3) Horn s : Bu ll (3) Man : Man agem en t
(4) Solem n : Vestm en ts (4) Man e : Lion (4) Th ief : Victim
(5) Non e of th ese (5) Non e of th ese (5) Non e of th ese
17. AMPLIFY : ARGUMENT 24. INDIGENT : WEALTH 32. MAN : HUMANITY
(1) Redou ble : Efforts (1) Em aciated : Nou rish men t (1) Drop : Ocean
(2) Exacerbate : Sales (2) Aristocratic : Statu re (2) Flower : Fragn an ce
(3) Maxim ise ; Profits (3) Con ten ted : Happin ess (3) Sch olar : Book s
(4) En h an ce : Power (4) Smu g: Com placency (4) Fram e : Pictu re
(5) Non e of th ese (5) Non e of th ese (5) Non e of th ese

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 MISCELLANEOUS
Di rect i on s (33-38) : in analogy you 40. COLT : STALLION (3) Moderator : Debate
are requ ired to gu ess th e fu n ction al (1) Doe : Stag (4) Prodigy : Won der
relation between th e two given words (2) Dove : Peace 48. NUCLEUS : CELL
an d fin d th e sim ilar relation between
(3) Aster : Botan ist (1) Rin d : Melon
th e words given in an y of th e option s.
(4) Calf : Cow (2) Web : Spider
33. TREASURE : CHEST
(5) Non e of th ese (3) Stalk : Corn
(1) Mon ey : Accou n t
41. INCUBATOR : INFANT (4) Yolk : Egg
(2) Coin s : Min t
(1) Ken n el : Dog (5) Non e of th ese
(3) Fin an ce : Exch equ er
(2) Library : Book s Di rect i on s (49-54) : In analogy you
(4) Cash : Vau lt
(3) Green Hou se : Plan t are requ ired to gu ess the fu n ction al re-
(5) Non e of th ese
(4) Cooler : Win e lation between th e two given words and
34. WOOL: WARMTH
(5) Non e of th ese fin d th e sim ilar relation between th e
(1) Radio : Broadcast
42. MINER : QUARRY words given in an y of th e option s.
(2) Person : Su ccess
(1) Carpen ter : Saw 49. PAINT : BRUSH
(3) Mark etin g : Advertisin g
(2) Pain ter : Bru sh (1) Floor : Polish
(4) Sprin g : Elasticity
(3) Poet : Son n et (2) Con flagration : Match
(5) Non e of th ese
(4) Scu lptor : Atelier (3) Cem en t : Travel
35. GOOSE : GANDER
(5) Non e of th ese (4) Wallpaper : Ladder
(1) Dog : Pu p
43. GLOSSARY : WORDS (5) Non e of th ese
(2) Sh eep : Flock
(3) Doe : Stag (1) Lexicon : Words 50. ENCOMIUM : LAUDATORY
(4) Horse : Bridle (2) Catalogu e : Dates (1) Tirade : Abu sive
(5) Non e of th ese (3) Atlas : Maps (2) Mon ologu e : Len gth y
36. TORCH : LIBERTY (4) Th esau ru s : Rh ym e (3) Critiqu e : In solen t
(1) Laws : Cou rt (5) Non e of th ese (4) Prologu e : Con clu sive
(2) Scales : J u stice Di rect i on s (44-48) : In analogy you (5) Non e of th ese
(3) Balan ce : Equ ity are requ ired to gu ess th e fu n ction al 51. IMPECCABLE : FLAW
(4) Weigh ts : Measu re relation between th e two given words (1) In tolerable : Defect
an d fin d th e sim ilar relation between
(5) Non e of th ese (2) Im m ovable : Ch oice
th e words given in an y of th e option s.
37. GREEN HOUSE : PLANT (3) In fallible : Error
44. DRILL: BORE
(1) In cu bator : In fan t (4) Irreversible : Cu re
(1) Pain ter : Bru sh
(2) Hen Hou se : Ch ick en (5) Non e of th ese
(2) Sieve : Sift
(3) Hive : Bee 52. TRAILER : PICTURE
(4) Arch ives : Docu m en t (3) Helm et: Head
(1) Tru ck : Cargo
(5) Non e of th ese (4) Mason : Wall
(2) Th eatre : Play
38. WHISPER : SPEAK (5) Non e of th ese
(3) Edition : Novel
(1) Listen : Bear 45. DOE : STAG
(4) Com m ercial : Produ ct
(2) Requ est : Ask (1) Horse : Colt
(5) Non e of th ese
(3) Bru sh : Tou ch (2) Dog : Ken n el
53. CHATTER: TALK
(4) Heat : Ch ill (3) Du ck : Drak e
(1) Scu rry : Move
(5) Non e of th ese (4) Sh eep : Flock
(2) Sleep : Drowse
Di r ect i on s (3 9 -4 3 ) : In an alogy (5) Non e of th ese
(3) Lim p : Walk
you are requ ired to gu ess the fu n ctional 46. PHILATELIST : STAMPS
relation between th e two given words (1) Carpen ter : Saw (4) Ch an t : Sin g
an d fin d th e sim ilar relation between (2) Ru n n er : Sn eak ers (5) Non e of th ese
th e words given in an y of th e option s. 54. CONFINE : PRISONER
(3) Nu m ismatist : Coin s
39. SIEVE : SIFT (1) Trace : Fu gitive
(4) Astrologer : Prediction s
(1) Pen dan t : Neck (2) Am bu sh : Sen try
(5) Non e of th ese
(2) Crowbar : Pry (3) Detain : Su spect
47. UMPIRE : GAME
(3) Cem en t : Trowel (4) Im peach : Presiden t
(1) Ch ef : Ban qu et
(4) Scales : J u stice (5) Non e of th ese
(2) Legislator : Election
(5) Non e of th ese
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 MISCELLANEOUS
Di rect i on s (55-59) : In analogy you 64. Qu eru lou s : Peevish Di rect i on s (72-76) : In analogy you
are requ ired to gu ess th e fu n ction al (1) A ch ild tellin g tales are requ ired to gu ess th e fu n ction al
relation between th e two given words (2) A person redressin g at a con - relation between th e two given words
an d fin d th e sim ilar relation between su m er cou rt an d fin d th e sim ilar relation between
th e words given in an y of th e option s. (3) An eli te gr u m b l in g abou t a th e words given in an y of th e option s.
55. TRAITOR : COUNTRY sh abby reception 72. STABLE : ERRATIC
(1) Poten tate : Kin gdom . (4) A m an u n h ap p y w i t h t h e (1) Beau tifu l : Large
(2) Bu reau crat: Govern m en t state’s policies
(2) Com pact : Clu m sy
(3) Apostate : Religion (5) Non e of th ese
(4) Tailor : Law (3) Pu n y : Mamm oth
65. Syn ch ron ised : In h arm on y
(5) Non e of th ese (4) Hu ge : Un tidy
(1) Th e h u m an body
56. ODYSSEY : GREEK (2) A ch oreograph er (5) Non e of th ese
(1) Utopia : En glish (3) A live orch estra 73. WHIP : FLAY
(2) Tu lsidas : San sk rit (4) A flock of birds (1) Pigeon : Peace
(3) Monalisa : En glish (5) Non e of th ese (2) Ch ain : Pu n ish
(4) Dan te : Latin Di rect i on s (66-71) : In analogy you (3) Birth : Reward
(5) Non e of th ese are requ ired to gu ess the fu n ction al re- (4) Switch : Ch astise
57. SINGER : CHORUS lation between th e two given words and
(5) Non e of th ese
(1) Mark et : Crowd fin d th e sim ilar relation between th e
words given in an y of th e option s. 74. IRK : APPEASE
(2) Flowers : Garlan d
(3) Artist : Trope 66. ELUSIVE : CAPTURE (1) Appreciate : Deprave
(4) Fish es : Pon d (1) Elastic : Stretch (2) Qu ibble : Clarify
(5) Non e of th ese (2) Gu llible : Trick (3) Ridicu le : Decorate
58. ABRUPT:SUDDEN (3) Headstron g : Con trol (4) Stu pefy : Debilitate
(1) Eminen t: Notoriou s (4) Sen sible : Decide (5) Non e of th ese
(2) Pacify : Provok e (5) Non e of th ese 75. PLAGIARIZE : BORROW
(3) Acciden t: Mish ap 67. APHORISM : SENTENTIOUS (1) Pilfer : Steal
(4) Dearth : Plen ty (1) Criticism : Redu n dan t
(2) Explode : Ign ite
(5) Non e of th ese (2) Eu logy : Lau datory
(3) Extort : Obtain
59. MONEY : BANK (3) Adage : Sym bolic
(4) Pu rify : Filter
(1) Fear: Trem ble (4) Maxim : Allegorical
(2) Arrows : Qu iver (5) Non e of th ese
(5) Non e of th ese
(3) Sou n d : Mu sic 68. PHYSIQUE : STURDY 76. KING : CROWN
(4) Coin : Min t (1) Pu n ctu ality : Trady (1) Priest : Mitre
(5) Non e of th ese (2) In tellect : Noble (2) Soldier : Gu n
Di r ect i on s (6 0 -6 5 ) : Ch oose th e (3) Fabric : War m (3) Teach er : Ch alk
word th at does n ot m atch with th e two (5) Non e of th ese (4) Scu lptor : Ch isel
given words. (4) In vestm en t : Sou n d (5) Non e of th ese
60. Won der fu l, Fabu lou s 69. OVATION : APPLAUSE Di r ect i on s (7 7 -8 1 ) : In each of
(1) Su perb (2) Su perlative (1) Mem ory : Oblivion th ese qu estions, a word is given in capi-
(3) Great (4) Splendid (2) Rou te : Defeat tal letters followed by fou r option s. Se-
(5) Non e of th ese
(3) Grief : Loss lect th e on e wh ich is farth est in m ean -
61. In ordin ate, Hu ge (4) Triu m ph : Failu re in g from th e given word.
(1) Excessi ve (2) con siderable
(5) Non e of th ese 77. CONSOLE
(3) In satiable (4) Enormou s
70. TUESDAY : THURSDAY (1) Balm (2) Comfort
(5) Non e of th ese
(1) Day : Nigh t (3) Keyboard (4) Solace
62. Lacon ic, Su ccin ct
(2) Near : Adjacen t (5) Non e of th ese
(1) Ter se (2) Brief
(3) Win ter: Sprin g
(3) Concise (4) Abru pt 78. PROLIFERATE
(4) Febru ary : April
(5) Non e of th ese (1) Reprodu ce (2) Th rive
(5) Non e of th ese
63. Obtu se : Un in telligen t (3) Im pel (4) Bu rgeon
71. WIND : GALE
(1) Developm entally disabled per - (5) Non e of th ese
(1) Disaster : Calam ity
son 79. REMOTE
(2) Storm : Sea
(2) An illogical argu ment
(3) Love : Passion (1) Seclu ded (2) Distant
(3) A careless calcu lation
(4) Disgu st : In fatu ation (3) Slight (4) Compuction
(4) An u n reason able dem an d
(5) Non e of th ese (5) Non e of th ese
(5) Non e of th ese

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 MISCELLANEOUS
80. IMMACULATE’ 93. REPROACH: REBUKE (3) A m averick is an u n orth odox
(1) Spotless (1) Sorcery: Black m agic or an i n d ep en d en t m i n d ed
(2) Sinless (2) Disapprove : Disgrace person
(3) Omn ipresen t (3) Stu pen dou s : Gigan tic (4) Matin s are even in g prayers
(4) Inn ocen t (4) Svelte : Obese (5) Non e of th ese
(5) Non e of th ese Di r ect i on s (1 0 1 -1 0 4 ) : In each of
(5) Non e of th ese
94. GARBAGE : SQUALOR th ese qu estion s, th ere are th ree sen -
81. OBLITERATE
ten ces given as (1), (2) an d (3). Fin d
(1) Delete (2) Demu r (1) Colou r : Bru sh
ou t wh ich two or th ree sen ten ces con -
(3) Expu n ge (4) Eliminate (2) Dirt : Clean lin ess
vey th e sam e m ean in g.
(5) Non e of th ese (3) Diam on d : Magn ificen ce
101. (A) Th e m an ager wou ld lik e you
Di r ect i on s (8 2 -8 9 ) : A set of sen - (4) Poor : Hu n ger to h elp h im locate th e fau lt.
t en ces i s gi ven bel ow i n wh ich th e (5) Non e of th ese (B) If you h elp him locate the fau lt,
sin gle u n derlin ed word is u sed as dif- 95. STAIN : HONOUR th e Man ager wou ld lik e you .
ferent parts of speech in En glish Gram- (1) Lose : Fam e (C) Th e Man ager desires th at you
m ar, To an swer each of th e qu estion (2) Blot : Escu tch eon sh ou ld provide h im th e n ec-
m ark you r an swer as (3) Dou bt: Repu tation essary assistance to locate th e
(1) if the u n derlined word is u sed (4) Slan der : In tegrity fau lt.
as an Adjective. (5) Non e of th ese (1) A an d B (2) A an d C
(2) if the u n derlined word is u sed 96. DUNCE; CLEVER (3) B an d C (4) All of th ese
as a Nou n .
(1) Fearfu l : Cou rage (5) Non e of th ese
(3) if the u n derlined word is u sed 102. (A) Alth ou gh th e strik e if tran s-
(2) Beau tifu l : Attractive
as an Adverb. p or t er s, con t i n u es, I sh al l
(3) Worry : Poor
(4) if the u n derlined word is u sed com e.
as a Preposition . (4) Flower : Petals
(5) Non e of th ese (B) I sh all com e if th e stri k e of
(5) Non e of th ese tran sporters con tin u es.
97. REPROOF : SCOLD
82. Th e even in g was a rou n d of plea- (C) Even th ou gh I come, the strik e
su res. (1) Salien t: Prom in en t
of tran sporters is goin g to con -
83. A squ are peg in a rou n d h ole. (2) Ch astise : Errin g
tinu e.
84. He cam e rou n d to th eir belief. (3) Rom an tic : Stron g
(1) A an d B (2) A an d C
(4) Respite : Spite
85. The earth revolves rou nd th e su n . (3) B an d C (4) Non e of th ese
(5) Non e of th ese
86. I Sh all see you n ext Mon day. (5) Non e of th ese
Di r ect i on s (9 8 -1 0 0 ) : In each of
87. Wh at n ext? 103. (A) Sh ou ld you n eed a visa, you
th ese qu estion s, th ere are fou r state-
88. I sh all tell you m ore abou t it in m u st su bm it an application
ments of which one is incorrect, Choose
m y n ext. alon g with you r passport an d
th e in correct on e. a copy of in com e tax retu rn s.
89. He was sittin g n ext to h er.
98. (1) A h ater of th e in stitu tion of (B) Un less you do n ot su bm it an
Di rect i on s (90-97) : In analogy you m arriage is a m isogam ist
are requ ired to gu ess the fu n ction al re- ap pl ication alon g wi th you r
(2) Th e violation of sacred th in gs passport an d a copy of incom e
lation between th e two given words and
is sacrilege tax retu rn, you will not get visa.
fin d th e sim ilar relation between th e
words given in an y of th e option s. (3) To prevaricate is to m ak e eva- (C) If you su bmit you r application
90. DOCUMENT : PASSPORT sive or m isleadin g statem en ts alon g with you r passport an d
(1) Arm y : Captain (4) A torpid person i s gen er ally a copy of in com e tax retu rn s,
h yperactive you do n ot n eed visa.
(2) Leader : Follower
(5) Non e of th ese (1) A an d B (2) A an d C
(3) Leagu e : Team
99. (1) An u pstart is from a tradition - (3) B an d C (4) Non e of th ese
(4) Pie : Dessert
ally well-to-do aristocratic fam- (5) Non e of th ese
(5) Non e of th ese ily 104. (A) Th e ju dge rem ark ed th at n ot
91. ATHEIST : AGNOSTIC (2) A yok el is n ot familiar with th e al l t h e accu sed wer e r eal l y
(1) Faith fu l: Cynic sigh ts an d sou n ds of a big city gu ilty.
(2) Sceptic : Dou bter (3) Wh en som ethin g starts getting (B) Th e ju dge rem ark ed that some
(3) Ph ilosoph er : Th in k er bigger in size, it is said to be of t h e accu sed wer e gu i l t y
(4) In fidel : Believer waxing wh ile oth ers were n ot.
(5) Non e of th ese (4) Hatred or fear of foreign ers is (C) Th e ju dge rem ark ed th at all
92. CONSPICUOUS : STRIKING xenophobia th ose wh o were accu sed in -
(1) Noticeable : Ou tstandin g (5) Non e of th ese cl u d ed som e wh o wer e n ot
(2) Obviou s : Distin gu ish ed 100. (1) Som n am bu lism is an act of really gu ilty.
sleep walk in g (1) A an d B (2) A an d C
(3) Overt : Hidden
(2) Wh en som eon e fin ds h is m e- (3) B an d C (4) All of th ese
(4) Glarin g : In distin ct
(5) Non e of th ese tier h e gets h is tru e vocation (5) Non e of th ese

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Di r ect i on s (1 0 5 -1 0 8 ) : Each of
th ese qu esti on s h as a set of 3 or 4
sen ten ces to logically con vey an idea.
Th e possible filler(s) in th e m iddle is/
are given separately as A an d B . Mark
th e an swer as
(1) if A an d B are to be filled in
th at order
(2) if on ly A is to be filled
(3) if B an d A are to be filled in
th at order
(4) if on ly B is. to be filled
(5) Non e of th ese
105. As far as ai r cr aft m ai n t en an ce
procedu res are con cern ed, th ey
are rigorou s. (.,.,.......). Su ch cases
m ay en d u p in disastrou s resu lts,
thou gh exception ally.
(A) All problem s are im m ediately
corrected on alm ost every oc-
casion .
(B) On ly du e to u rgen cy or wan t
of air cr aft for su b st i t u t i on ,
certain on es are overlook ed.
106. Au to-ridin g is a very fascin atin g
h obb y. (...........).
It is obviou s th at th ey con sider
th e h obby m ore im portan t th an
an yth ing else.
(A) Low or even m i dd le in com e
grou p people can n ot afford it.
(B) I k n ow m an y people wh o h ad
m issed m an y im portant cases
or opportu n ities for participa-
tion in au to-riding.
107. Th ere is n o dou bt th at we m u st
be fair an d h on est in all ou r deal-
in gs. (...........). Wh at you really
are is less im portan t th an wh at
y ou ar e p er cei ved b y p eo p l e
arou nd you .
(A) It m ean s th at perception as-
su m es gr eat er i m p or t an ce
th an reality.
(B) But even more important is how
you are perceived by oth ers.
108. The adm iration for those wh o fight
again st corru ption in h igh places
h as always been very spon tan e-
ou s am on gst the com m on people
i n I n d i a , (. . .. . . .. . . ). T h ey
u n hesitan tly appreciate su ch acts
bu t are afraid of open ly doin g so
for fear of th e h igh er u ps.
(A) They h old su ch people in h igh
esteem who mak e sacrifices on
prin ciples an d m oral issu es.
(B) Th ey m ak e verbose speech es
of admiration and appreciation
of su ch acts.
Di r ect i on s (1 0 9 -1 1 2 ) : Each of
th ese qu estion s h as a sen ten ce with
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fou r altern atives. Ch oose th e altern a-
tive wh ich best con veys th e con ten t of
th e given sen ten ce correctly.
109. No officer had ou ght to be pu t in to
a si t u at i on w h er e h e h as t o
ch oose between h is love for h is
family and the responsibilities ac-
com pan yin g h is du ty.
(1) No officer h ad ou gh t to be pu t
into a situ ation in which he has
to ch oose between h is love for
h is fam ily an d th e respon si-
bilities accompanying his du ty
(2) No officer h ad ou gh t to be pu t
in to a situ ation wh ere h e h as
to ch oose between h is love for
h is fam ily an d th e respon si-
bilities accompanying his du ty
(3) No officer sh ou ld be pu t in to
a si tu ation wh ere h e h as to
ch oose between his love for h is
fam ily and the respon sibilities
accom pan yin g his du ty
(4) No officer ou gh t to be pu t in to
a situ ation in wh ich h e h as to
ch oose between his love for h is
fam ily and the respon sibilities
accom pan yin g his du ty
(5) Non e of th ese
110. Bein g a realist, th e detective cou ld
n ot accept th e statem en t of th e
accu sed th at UFOs h ad cau sed
th e distu rban ce.
(1) Sin ce h e was a realist, th e de-
tective cou ld n ot accept t h e
statem en t of th e accu sed th at
UFOs h ad cau sed th e distu r -
ban ce
(2) Bein g a realist, th e detective
cou ld not accept the statement
of th e accu sed th at UFOs h ad
cau sed th e distu rban ce
(3) Bein g th at he was a realist, the
detective cou ld n ot accept th e
statem en t of th e accu sed th at
UFOs h ad cau sed th e distu r -
ban ce
(4) Reali st th at h e was, th e de-
tective cou ld n ot accept t h e
statem en t of th e accu sed th at
UFOs h ad cau sed th e distu r -
ban ce
(5) Non e of th ese
111. Ever si n ce th e sti n g operation ,
th ere h as been m u ch opposition
from th ey wh o m ain tain th at it
was an u n au th orised act.
(1) Ever sin ce th e sting operation ,
th ere h as been m u ch opposi-
tion from they he maintain that
it h ad been an u n au th orised
act
MISCELLANEOUS
(2) Ever sin ce th e sting operation ,
there h as been mu ch opposi-
tion from th ey wh o m ain tain
that it was an u nau thorised act
(3) Ever sin ce th e sting operation ,
there h as been mu ch opposi-
tion from th ose wh o m ain tain
that it was an u nau thorised act
(4) Ever sin ce th e sting operation ,
there h as been mu ch opposi-
tion from th ose m ain tain in g
that it was an u nau thorised act
(5) Non e of th ese
112. Th e tren d toward a decrease in
th e work in g h ou rs is already evi-
den t in th e lon ger week en d given
to em ployees in m an y m u ltin a-
tional organization s.
(1) Th e tren d toward a decrease
i n t h e wor k i n g h ou rs is al l
r ead y evi den t i n t h e l on ger
week en d given to em ployees
in many m u ltinational organi-
zations
(2) Th e tren d toward a decrease
in the work in g hou rs is already
eviden t in th e lon ger week en d
given t o em ployees in m an y
mu ltinational organizations
(3) Th e tren d toward a decrease
in the work in g hou rs is already
eviden t in th e lon ger week en d
given t o em ployees in m an y
mu ltinational organization
(4) Th e tren d toward a decrease
in th e work in g h ou rs is all in
al ready evid en t in th e l oger
week en d given to em ployees
in many m u ltinational organi-
zations
(5) Non e of th ese
Di rect i on s (113-116 ) : Each qu es-
tion h as a given sen ten ce. Iden tify th e
best way of writin g th e sen ten ce in th e
con text of th e correct u sage of stan -
dard written En glish . Wh ile doin g so,
en su re th at th e m essage bein g con -
veyed r em ai n s t h e sam e i n al l t h e
cases.
113. H avi n g b ow ed ou r h ead s, t h e
p r i est i n t h e tem p l e l ed u s i n
prayer.
(1) After we bowed ou r heads, th e
priest in th e tem ple led u s to
prayer
(2) Havin g bowed ou r h eads, th e
priest in th e tem ple led u s to
prayer
(3) Havin g bowed ou r h eads, th e
priest in th e tem ple led u s in
prayer
-444-

(4) A f t er w e h ad b ow ed o u r
h eads, th e priest in th e tem ple
led u s in prayer
(5) Non e of th ese
114. An yone interested in flyin g plan es
can learn m u ch if you have access
to a fligh t simu lation m achine.
(1) An yon e i n ter est ed i n flyi n g
plan es can learn m u ch if ac-
cess is avai lab le t o a fl i gh t
sim u lation mach ine
(2) An yon e i n ter est ed i n flyi n g
plan es can learn m u ch if h e
h as access to a fligh t sim u la-
tion mach in e
(3) An yon e i n ter est ed i n flyi n g
plan es can iearn m u ch if you
h ave access to a fligh t sim u la-
tion mach in e
(4) An yon e i n ter est ed i n flyi n g
plan es can leam m u ch from
access to a fligh t sim u lation
mach ine
(5) Non e of th ese
115. Th e m oral of th e en tire story is
h ow m on ey d oesn ’t m ak e you
h appy.
(1) In th is n ovel, th e m oral of th e
st or y is h ow m on ey d oesn ’t
m ak e you h appy
(2) Th e m oral of th e en tire story
is t h at m on ey doesn ’t m ak e
you h appy
(3) Th e m oral of th e en tire story
is h ow m on ey doesn ’t m ak e
you h appy
(4) That money does not mak e you
h appy, is th e en tire m oral of
th e story
(5) Non e of th ese
116. Ever sin ce th e stin g operation .,
th ere h as been m u ch opposition
from th ey wh o m ain tain th at it
was an u n au th orised act.
(1) Ever sin ce th e sting operation ,
there h as been mu ch opposi-
tion from th ose wh o m ain tain
that it was an u nau thorised act
(2) Ever sin ce th e sting operation ,
th ere h as been m u ch opposi-
tion from th ey wh o m ain tain
t h at i t h a d b een a n
u nau th orised act
(3) Ever sin ce th e sting operation ,
there h as been mu ch opposi-
tion from th ey wh o m ain tain
that it was an u nau thorised act
(4) Ever sin ce th e sting operation ,
there h as been mu ch opposi-
tion from th ose m ain tain in g
that it was an u nau thorised act
(5) Non e of th ese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
MISCELLANEOUS
Di r ect i on s (1 1 7 -1 2 0 ) : In each of Di r ect i on s (1 2 5 –1 5 1 ) : In th e
th e followin g qu estion s, a related pair followin g qu esti on s, a sen t en ce h as
of words is followed by fou r pairs of been given in Direct/ In direct Speech .
words. Select th e pair th at best ex- Ou t of th e fou r altern atives su ggest-
presses a relation sh ip sim ilar to th at ed, select th e on e wh ich best express-
expressed in th e origin al pair. es th e sam e sen ten ce in In direct/ Di-
117. MOSAIC: TILE rect Speech .
(1) Docu m ent: Au thor 125. H e sai d , “Ravi , wh y ar e you
(2) Portrait: Pain t sou n din g so depressed today?”
(3) Fabric : Tapestry (1) He ask ed Ravi wh y did h e
sou nd so depressed that day.
(4) Coverlet: Cloth
(2) He ask ed Ravi wh y h e was
(5) Non e of th ese
sou n din g so depressed th at
118. SAUNTER: STROLL
day.
(1) Am ble : Path
(3) He told Ravi wh y h e sou n d-
(2) Gyrate : Twist
ed so depressed today.
(3) Peram bu late : Walk
(4) He ask ed Ravi th at wh y was
(4) Baby carriage : Walk h e sou n d in g so d epr essed
(5) Non e of th ese th at day.
119. AUTHOR : MANUSCRIPT (5) Non e of th ese
(1) Optician : Spectacles 126. He ask ed m e, “What tim e will the
(2) En gin eer : Bridge su n set tom orrow ?”
(3) Arch itect: Blu eprin t (1) He ask ed m e wh at tim e does
(4) Doctor : Steth oscope th e su n set th e n ext day.
(5) Non e of th ese (2) He ask ed m e wh at tim e th e
120. LIBERTINE : IMMORALITY su n wou ld set tom orrow.
(1) Victim : Depravation (3) He ask ed m e wh at tim e th e
(2) Miser : Selfish n ess su n wou ld set th e n ext day.
(3) Altru ist : Selflessn ess (4) H e as k ed m e w h at t i m e
(4) Policem an : Law wou ld th e su n set th e n ext
(5) Non e of th ese day.
Di r ect i on s (1 2 1 -1 2 4 ) : Select th e (5) Non e of th ese
pair of words, wh ich exh ibits th e sam e 127. “Tinu , wh ere have you been all
relation sh ip between each oth er as th e these days ?” ask ed the Principal.
given capitalized pair of words. (1) Th e Pr i n ci p al ask ed Ti n u
121. SIMMER : BOIL wh ere h e h ad been all th ose
(1) Glide : Drift days.
(2) Drizzle : Down pou r (2) Th e Pr i n ci p al ask ed Ti n u
(3) Gam bol: Play where he has been all those
days.
(4) Stagn ate : Flow
(3) The Principal asked Tinu where
(5) Non e of th ese
had he been all those days.
122. SEETHE: ANGER
(4) Th e Prin cipal ask ed to Tin u
(1) Ch ortle : Distress
wh ere was he all th ose days.
(2) Sn arl : Con fu sion
(5) Non e of th ese
(3) Fidget: Un easin ess
128. “Have you com pleted you r as-
(4) Waddle ; Em barrassm en t si gn m en t , M i n u ?” sai d h er
(5) Non e of th ese broth er.
123. KEY : IGNITION (1) Min u ’s broth er ask ed Min u
(1) Helm et : Motorcycle if you h ave fin ished you r as-
(2) Boot: Saddle signm ent.
(3) Switch : Ligh t (2) Min u ’s broth er said to Min u
(4) Pad : Helicopter if sh e h ad fin ish ed h er as-
(5) Non e of th ese signm ent.
124. TALLY : VOTES (3) Minu’s brother asked her if she
(1) Censu s : Popu lation had finished her assignment.
(2) Govern m en t : Laws (4) Min u ’s broth er ask ed Min u
(3) Taxation : Reven u e if sh e h as fin ish ed h er as-
(4) Team : Ath letes signment
(5) Non e of th ese (5) Non e of th ese
-445-

129. He says, “I go for a walk every
morning.”
(1) He says th at h e goes for a
walk every m orn in g.
(2) He said th at h e u sed to go
for a walk every m orn in g
(3) He said th at h e goes for a
walk every m orn in g.
(4) He says h e wen t for a walk
every m orn in g.
(5) Non e of th ese
130. Th e Prin cipal said, “Wh y didn ’t
you atten d th e flag h oistin g cer -
em on y, An u j ?”
(1) The Principal ask ed Anu j why
h adn ’t h e atten ded th e flag
h oistin g cerem on y.
(2) Th e Prin cipal ask ed to An u j
wh y h e h adn ’t atten ded th e
flag h oistin g cerem on y.
(3) The Principal ask ed Anu j why
d i d n ’t h e at t en d t h e fl ag
h oistin g cerem on y.
(4) The Principal ask ed Anu j why
h e d i d n ’t at t en d t h e fl ag
h oistin g cerem on y.
(5) Non e of th ese
131. I said to h im , “Wh ere h ave you
lost th e pen I brou gh t for you
yesterday ?”
(1) I ask ed h im wh ere h e h ad
lost th e pen I h ad brou gh t
h im yesterday.
(2) I ask ed h im wh ere h e h ad
lost th e pen I h ave brou gh t
for h im th e previou s day.
(3) I ask ed h im wh ere h e h ad
lost th e pen I h ad brou gh t
for h im th e previou s day.
(4) I ask ed h im wh ere h ad h e
lost th e pen I h ad brou gh t
h im th e previou s day.
(5) Non e of th ese
132. He said, “Garim a wan ts to tak e
u p a job while her hu sband wants
h er to look after th e family.”
(1) He said th at Garim a wan ted
to tak e u p a job wh ile h er
h u sban d wan ted h er to look
after th e fam ily.
(2) He said th at Garim a wan ts
to tak e u p a job wh ile h er
h u sban d wan ted h er to look
after th e fam ily.
(3) He told th at Garim a wan ted
to tak e u p a job wh ile h er
h u sban d wan ts h er to look
after th e fam ily.
(4) H e s ai d t o G a r i m a t h a t
th ou gh sh e wan ted to tak e
u p a job wh ile h er h u sban d
wan ted h er to look after th e
family.
(5) Non e of th ese
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
133. Sh e said, “Wh en I was a ch ild, I
wasn ’t afraid of gh osts.”
(1) Sh e said th at wh en sh e was
a ch ild sh e wasn ’t n ot afraid
of gh osts.
(2) Sh e said th at wh en sh e was
a child she hadn’t been afraid
of gh osts.
(3) Sh e said th at wh en sh e was
a ch ild sh e wasn ’t afraid of
gh osts.
(4) Sh e said th at wh en sh e h ad
b een a ch i l d s h e w as n ’t
afraid of gh osts.
(5) Non e of th ese
134. He said, “Reen a, do you wan t to
bu y a h ou se in Noida ?”
(1) He told Reen a if sh e wan ted
to bu y a h ou se in Noida.
(2) He ask ed th at did sh e wan t
to bu y a h ou se in Noida.
(3) He ask ed Reena if sh e wan ts
to bu y a h ou se in Noida.
(4) He ask ed Reena if sh e wan t-
ed to bu y a h ou se in Noida.
(5) Non e of th ese
135. I said to m y frien d, “Can I bor -
row you r dictionary for on e day?”
(1) I ask ed m y frien d if I cou ld
borrow h is dictionary for one
day.
(2) I ask ed m y frien d if I cou ld
borrow you r d iction ar y for
on e day.
(3) I ask ed m y fri en d i f I can
borrow h is dictionary for one
day.
(4) I ask ed m y frien d th at if I
can borrow h is dictionary for
on e day.
(5) Non e of th ese
136. He said, “Let Hari com e with u s,
m oth er. I’ll tak e care of h im ”
(1) He requ ested h is m oth er to
let Hari com e with th em as
h e will tak e care of h im .
(2) He in form ed h is m oth er to
let Hari com e with th em as
h e wou ld tak e care of h im .
(3) He told h is moth er to let Hari
come with th em as he wou ld
tak e care of h im .
(4) He told to his m oth er let Hari
com e with u s as h e wou ld
tak e care of h im .
(5) Non e of th ese
137. “No,” sai d t h e ch i l d , “I won ’t
k n eel for if I do, I sh all spoil m y
n ew pair of trou sers.”
(1) Th e ch ild said th at he wou ld
n ot “k n eel for if h e did so h e
will spoil his new pair of trou -
ser s.
MISCELLANEOUS
(2) The ch ild said that he will not
k neel for if he k n eels h e will
spoil his new pair of trou sers.
(3) Th e ch ild said th at he wou ld
n ot k n eel for if h e did so h e
wou ld spoil h is n ew pair of
trou sers.
(4) Th e ch ild said th at I will n ot
k n eel for if h e did k n eel, h e
sh ou ld spoil h is n ew pair of
trou sers.
(5) Non e of th ese
138. Th e ch airm an of th e sel ecti on
com m ittee said, “We sh all fin a-
li se t h e r est of ou r team aft er
we h ave selected th e sk ipper.”
(1) Th e ch airm an of th e selec-
tion comm ittee told th at th ey
wou ld fin alise the rest of ou r
team after we h ave selected
th e sk ipper.
(2) Th e ch airm an of th e selec-
tion com m ittee said th at we
wou ld fin alise the rest of ou r
team after we h ave selected
th e sk ipper.
(3) Th e ch airm an of th e selec-
tion com mittee said th at they
wou l d fi n al i se t h e r est of
th eir team after th ey select-
ed th e sk ipper.
(4) Th e ch airm an of th e selec-
tion com mittee said th at they
wou l d fi n al i se t h e r est of
t h ei r t eam aft er t h ey h ad
selected th e sk ipper.
(5) Non e of th ese
139. H e sai d , “H as an yb od y b een
u n k in d to you ?”
(1) He ask ed m e if an ybody h ad
been u n k in d to m e.
(2) He ask ed m e h ad an ybody
been u n k in d to m e.
(3) He ask ed m e if an ybody h ad
been u n k in d to you .
(4) He ask ed m e if an ybody h ad
been u n k in d to h im .
(5) Non e of th ese
140. The pilot said, “Please don’t panic
bu t tigh ten you r seat belts.
(1) Th e pilot told to th e passen-
gers that they shou ld not pan-
ic bu t tighten the seat belts.
(2) Th e pilot told the passengers
to n ot pan ic bu t to tigh ten
th eir seat belts in stead.
(3) Th e pilot told the passengers
n ot to pan ic bu t to tigh ten
you r seat belts.
(4) Th e pilot told th e passen ger
not to pan ic bu t tighten their
seat belts.
(5) Non e of th ese
-446-

141. H e sai d , “Ravi , wh y ar e you
sou n din g so dejected today ?”
(1) H e a s k ed Ra v i w h y h e
sou n d ed so d ej ect ed t h at
day ?
(2) He ask ed to Ravi wh y h e was
sou n di n g so d ej ected th at
day.
(3) He ask ed Ravi wh y h e was
sou n din g so dejected today
(4) He ask ed Ravi wh y h e was
sounding so dejected that day.
(5) Non e of th ese
142. “I sh all rem ain h ere an d th e tai-
lor won’t be able to fin d m e,” said
sh e.
(1) Sh e said th at sh e sh ou ld re-
m ain t h er e an d t h e t ail or
won ’t be able to fin d m e.
(2) Sh e said th at sh e sh ou ld re-
m ain t h er e an d t h e t ail or
wou ld n ot be ab le t o fin d
h er.
(3) Sh e said th at sh e wou ld re-
m ain t h er e an d t h e t ail or
wou ld n ot be ab le t o fin d
h er.
(4) Sh e said th at, sh e cou ld re-
m ai n h er e an d t h e t ai l or
wou ld n ot fin d h er.
(5) Non e of th ese
143. Moth er said, “Gau rav, you will
be eligible for votin g wh en you
are 18.”
(1) Moth er told Gau rav he wou ld
be eligible for votin g wh en
h e was 18.
(2) Moth er told Gau rav th at h e
cou ld vote on ly after 18.
(3) Moth er told Gau rav you will
be eligible for votin g wh en
you are 18.
(4) Moth er told Gau rav th at h e
wou ld be eligible for votin g
wh en h e wou ld be 18.
(5) Non e of th ese
144. He said, “Bravo ! You h ave don e
well.”’
(1) H e ap p l au d ed h i m t o say
th at h e h ad don e well.
(2) He applau ded h im an d said
th at you h ave don e well.
(3) He applau ded h im , sayin g
th at h e h as don e well.
(4) He applau ded h im , sayin g
th at h e h ad don e well.
(5) Non e of th ese
145. He said to m e, “You are gettin g
lazy day by day.”
(1) He in form ed m e th at I am
gettin g lazy day by day.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(2) He told m e th at I h ave been
gettin g lazy day by day.
(3) He told m e th at I was get-
tin g lazy day by day.
(4) H e told m e th at you wer e
gettin g lazy day by day.
(5) Non e of th ese
146. “Wh en will I be able to vote?” I
ask ed m y m oth er.
(1) I ask ed m y m ot h er w h en
wou ld h e be able to vote.
(2) I ask ed to m y m oth er wh en
I will be able to vote.
(3) I ask ed m y m oth er wh en I
wou ld be able to vote.
(4) I ask ed m y m ot h er w h en
wou ld I be able to vote.
(5) Non e of th ese
147. I said, “Father, wh en will you bu y
m e a m otor cycle ?”
(1) I ask ed m y fath er wh en will
h e bu y m e a m otorcycle.
(2) I ask ed m y fath er wh en h e
will bu y m e a m otor cycle.
(3) I a sk ed m y fat h er w h en
wou l d h e bu y m e a m otor
cycl e.
(4) I ask ed m y fath er wh en h e
wou ld bu y m e a m otor cy-
cl e.
(5) Non e of th ese
148. He said to m e, “Is th ere any pos-
sibility of m y gettin g prom otion
th is year?”
(1) H e ask ed m e i f t h er e was
an y possibility of m y gettin g
prom otion th is year.
(2) H e ask ed m e i f t h er e was
an y possibility of h is gettin g
prom otion th is year.
(3) He ask ed m e if th ere was
an y possibility of his gettin g
prom otion th at year.”
(4) He ask ed m e if th ere is an y
possibility of h is gettin g pro-
m otion th is year.
(5) Non e of th ese
149. Th e dealer said , “Eith er m ak e
you r pu rch ases or walk ou t of
m y sh op.”
(1) Th e dealer told th e cu stom -
er th at he wou ld either m ak e
h is pu rch ases or walk ou t of
h is sh op.
(2) Th e dealer ordered th e cu s-
tom er to m ak e h is pu rch as-
es an d walk ou t of h is sh op.
(3) Th e dealer told th e cu stom -
er t h at h e sh ou l d ei t h er
m ak e his pu rch ases, or walk
ou t of h is sh op.
MISCELLANEOUS
(4) Th e d eal er r equ est ed t h e
cu stom er to m ak e h is pu r -
ch ases or wal k ou t of h i s
sh op.
(5) Non e of th ese
150. He said, “I do n ot wish to see
an y of you ; go away.”
(1) H e sai d t h at h e h ad n ot
wish ed to see an y of th em
an d or d er ed t h em t o go
away.
(2) He said th at h e did n ot wish
to see an y of th em an d or -
dered th em to go away.
(3) He told th at h e did n ot wish
to see an y of th em an d or -
dered th em to go away.
(4) H e sai d t h at h e d oes n ot
wish to see an y of u s an d
ordered u s to go away.
(5) Non e of th ese
151. He said to u s, “Wh y are you all
sittin g abou t th ere doin g n oth -
in g ?”
(1) He ask ed u s wh y are we all
si t t i n g ab ou t t h er e d oi n g
nothing
(2) He ask ed u s wh y we are all
si t t i n g ab ou t t h er e d oi n g
nothin g.
(3) He ask ed u s wh y we were
all sittin g abou t th ere doin g
nothin g.
(4) He ask ed u s wh y were we
all sittin g abou t th ere doin g
nothin g.
(5) Non e of th ese
Di r ect i on s (1 5 2 -1 7 5 ) : In the fol-
loqin g qu estion s, a sen ten ce h as been
given in Direct/ In direct form . Ou t of
th e fou r altern atives su ggested, select
the one which best expresses th e sam e
sen ten ce in In direct/ Direct form .
152. “May you live lon g an d prosper”,
said th e old lady to h er son .
(1) Th e old lady blessed h er son
with lon g life an d wish ed h im
prosperity.
(2) Th e old lady prayed for h er
son ’s lon g life an d prosperi-
ty.
(3) Th e old lady prayed for h er
son an d said th at h e m igh t
live lon g an d prosper.
(4) Th e old lady blessed h er son
an d prayed for h is lon g life
an d prosperity.
(5) Non e of th ese
-447-

153. “M an y h ap p y r et u r n s of you r
birth day”, we said.
(1) We greeted h im on h is birth -
day.
(2) We said th at m an y h appy re-
tu rn s of you r birth day.
(3) We wish ed h im m an y h appy
retu rn s of h is birth day.
(4) We pr ayed for m an y h ap py
retu rn s of h is birth day.
(5) Non e of th ese
154. “Fie! a soldier an d afraid of figh t-
in g!” said Babar.
(1) B ab ar excl ai m ed wi t h su r -
prise th at a soldier sh ou ld be
afraid of figh tin g.
(2) Addressin g a soldier, Babar
cu rsed h im th at he sh ou ld be
afraid of figh tin g.
(3) Babar cu rsed th e soldier wh o
was afraid of figh tin g.
(4) Babar cu rsed an d exclaim ed
th at a soldier sh ou ld n ot be
afraid of figh tin g.
(5) Non e of th ese
155. He said to Sita, “Wh en do you
in tend to pay back the mon ey you
borrowed from m e ?”
(1) He en qu i red Sit a wh en d id
sh e in ten d to pay back th e
m on ey sh e b or r ow ed fr om
him.
(2) He en qu ir ed Sita wh en sh e
intended to pay back the mon-
ey sh e borrowed from h im .
(3) He enqu ired Sita when she in-
tended to pay back the mon ey
sh e had borrowed from him.
(4) H e en qu i r ed wh en Si t a i n -
ten ded to pay back th e m on -
ey sh e borrowed from h im .
(5) Non e of th ese
156. “So h elp m e Heaven ! h e cried, “I
n ever steal again ”.
(1) H e wan t ed H eaven t o h el p
h im so th at h e wou ld n ever
steal again .
(2) He exclaim ed to Heaven th at
h e wou ld n ever steal again .
(3) He exclaim ed Heaven to h elp
h im that he wou ld n ever steal
again.
(4) He called u pon Heaven to wit-
n ess h is resolve never to steal
again.
(5) Non e of th ese
157. Sh e said, “I'll give you Rs. 100 to
k eep you r m ou th sh u t.”
(1) Sh e said th at sh e wou ld give
h i m Rs. 1 0 0 t o k eep h i s
m ou th sh u t.
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H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
(2) Sh e offered h im Rs. 100 to
k eep h is m ou th sh u t.
(3) Sh e su ggested to him th at she
wou ld gi ve h i m Rs.1 0 0 t o
k eep h is m ou th sh u t.
(4) Sh e proposed th at sh e wou ld
give h im Rs.100 to k eep h is
m ou th sh u t.
(5) Non e of th ese
158. “Doctor”, the patien t cried, please
tell m e h ow m u ch tim e I h ave.”
(1) Th e patien t pleaded th e doc-
tor h ow m u ch tim e sh e will
h ave.
(2) Th e patien t exclaim ed to th e
doctor th at h ow m u ch tim e
sh e h ad.
(3) Th e patien t pleaded with th e
doctor to tell h er h ow m u ch
tim e sh e h ad.
(4) Th e patien t cried to th e doc-
tor th at h ow m u ch tim e h ad
sh e.
(5) Non e of th ese
159. “Let’s give a party”, said J aya.
“Let’s n ot,” said h er h u sban d.
(1) J aya su ggested givin g a par -
ty bu t h er h u sban d an swered
in th e n egative.
(2) J aya su ggested givin g a par -
ty bu t h er h u sban d opposed
th e idea.
(3) J aya su ggested givin g a par -
ty bu t h er h u sban d con tra-
dicted h er.
(4) J aya su ggested givin g a par -
ty bu t h er h u sban d refu sed.
(5) Non e of th ese
160. He said to h er, “Did it sh ak e you
u p as m u ch as it sh ook m e ?”
(1) He ask ed h er if it h ad sh ak -
en h er u p as mu ch as it shook
him.
(2) He en qu ired of h er if it sh ook
h er u p as it sh ook h im .
(3) He en qu ired of h er if it sh ook
h er u p as m u ch as i t h ad
sh ak en h im .
(4) He ask ed h er if it h ad sh ak -
en h er u p as it h ad sh ak en
him.
(5) Non e of th ese
161. Th e Ch ief Min ister said, “Wh at a
disaster th e earth qu ak e is!”
(1) Th e Ch ief Min ister cried th at
th e earth qu ak e was a terrible
disaster.
(2) Th e Ch ief Min ister expressed
with su rprise th at th e earth -
qu ak e was a terrible disaster.
MISCELLANEOUS
(3) Th e Ch ief Min ister exclaim ed
wit h sor row th at th e ear th -
qu ak e was a terrible disaster.
(4) The Chief Min ister told in pain
that th e earth qu ak e was a ter -
rible disaster.
(5) Non e of th ese
162. I said to h er, “All you r fau lts will
b e p a r d on ed i f y o u co n f es s
th em .”
(1) I told h er th at all h er fau lts
will be pardon ed if you con -
fess th em .
(2) I told h er th at all h er fau lts
wou ld be pardon ed if sh e con -
fessed th em .
(3) I told h er th at all h er fau lts
will h ave to be pardoned if sh e
con fessed th em .
(4) I told h er th at all h er fau lts
wou ld h ave to be pardon ed if
sh e con fessed th em .
(5) Non e of th ese
163. Th e teach er said to th e stu den t,
“Wh y were you ab sen t yest er -
day?”
(1) The teach er ask ed th e stu den t
wh y h ad been h e absen t th e
previou s day.
(2) The teach er ask ed th e stu den t
wh y h ad h e been absen t th e
previou s day.
(3) Th e teach er inform ed th e stu -
den t t h at wh y h e h ad b een
absen t th e n ext day.
(4) The teach er ask ed th e stu den t
wh y h e h ad been absen t th e
previou s day.
(5) Non e of th ese
164. ‘From on e of th e win dows of m y
flat I can see th e Qu tu b Min ar’,
said m y frien d.
(1) My frien d told th at from on e
of th e win dows of h is flat h e
cou ld see th e Qu tu b Min ar.
(2) My frien d said th at from on e
of th e win dows of h is flat h e
can see th e Qu tu b Min ar.
(3) My frien d said th at from on e
of th e win dows of h is flat h e
cou ld see th e Qu tu b Min ar.
(4) My frien d told th at from on e
of th e win dows of h is flat h e
can see th e Qu tu b Min ar.
(5) Non e of th ese
165. Sh an k er said to h is frien d, “Look
ou t! there is a sn ak e beh ind you .”
(1) Shank er told h is friend to look
ou t as th ere was a sn ak e be-
h in d him .
-448-

(2) Sh an k er ex cl ai m ed t o h i s
frien d with su rprise th at th ere
was a sn ak e beh in d h im .
(3) Seein g a sn ak e beh in d h im ,
Sh an k er ask ed h is frien d to
look ou t.
(4) Sh an k er war n ed h i s fr i en d
th at there was a sn ak e behin d 170.
him.
(5) Non e of th ese
166. Th e teach er said to Ram, “Wou ld
you lik e to go on a trip to Kash -
m ir ?” Ram said, “Yes”
(1) Th e t each er ask ed i f Ram
wou ld lik e to go on a trip to
Kash m ir an d Ram replied yes.
(2) Th e teach er ask ed Ram if h e
wou ld lik e to go on a trip to
Kash m ir an d Ram replied yes.
(3) Th e teach er ask ed Ram if h e
wou ld h ave lik ed to go on a
171.
trip to Kash m ir an d Ram re-
plied in th e affirm ative.
(4) Th e teach er ask ed Ram if h e
wou ld lik e to go on a trip to
Kash m ir an d Ram replied in
th e affirm ative.
(5) Non e of th ese
167. “Su ppose you ch ildren go ou t for
a n ice lon g walk ”, sh e said.
(1) Sh e p rop osed t h at t h e ch i l-
dren wen t ou t for a n ice lon g
walk . 172.
(2) Sh e advised th at th e ch ildren
go ou t for a n ice lon g walk .
(3) Sh e su ggested th at th e ch il-
d ren go ou t for a n i ce l on g
walk .
(4) Sh e su ggested th at th e ch il-
dren sh ou ld go ou t for a n ice
lon g walk .
(5) Non e of th ese
168. Everybod y said, “How well sh e
sings!”
(1) Ever yb od y t old u s th at sh e
sin gs very well.
(2) Everybody exclaim ed th at sh e
sin gs very well.
(3) Everybody exclaim ed th at sh e
san g very well.
(4) Everybod y tol d u s th at h ow
sh e san g very well.
(5) Non e of th ese
169. Th e old m an of Latu r said, “Alas, 173.
m y on ly son is dead!”
(1) Th e ol d m an of L at u r ex -
claim ed with sorrow th at h is
on ly son was dead.
(2) The old m an of Latu r told with
p ai n t h at h i s on l y son was
dead.
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MISCELLANEOUS
(3) Th e ol d m an of L at u r ex - (3) I said th at wh en it got dark
pressed with an gu ish th at h is h e sh ou ld li gh t th e lan tern
on ly son was dead. an d h an g it ou t.
(4) Th e old m an of Latu r sorrow- (4) I told th at wh en it got dark
fu lly narrated that his on ly son h e sh ou ld li gh t th e lan tern
was dead. an d h an g it ou t.
(5) Non e of th ese (5) Non e of th ese
I said, “Let Moh an do h is worst, 174. The teacher said to Ashok , “I sh all
h e can n ot h arm m e.” report th e m atter to th e Prin ci-
(1) I su ggested to Moh an to do his pal if you m isbeh ave again .”
worst, h e cou ld n ot h arm m e. (1) Th e teach er told Ash ok th at
(2) I tol d th at if Moh an di d h is h e wou l d b e r ep or t i n g t h e
worst, h e cou ld n ot h arm m e. m atter to th e Prin cipal if h e
(3) I declared th at Moh an m igh t m isbeh aved again .
d o h i s wor st , h e cou l d n ot (2) Th e t each er war n ed Ash ok
h arm m e. th at h e wou ld report th e mat-
ter to th e Prin cipal if h e m is-
(4) I declared th at th ou gh Moh an
beh aved again .
m igh t do h is worst, h e cou ld
(3) Th e teach er th reatened Ash ok
n ot h arm m e.
t o repor t th e m at ter t o th e
(5) Non e of th ese
Prin cipal if h e wou ld m isbe-
“Call th e first witn ess”, said th e h ave again .
J u d ge.
(4) Th e teach er cau tion ed Ash ok
(1) Th e ju dge com m an ded to call abou t reportin g th e m atter to
th e first witn ess. th e Prin cipal if he misbehaved
(2) Th e ju dge com m an ded th em again.
to call th e first witn ess. (5) Non e of th ese
(3) The ju dge comm anded that the 175. “Moh an m ade th is m ess. Let h im
first witn ess be called. clear it u p”, said h is fath er.
(4) The ju dge commanded the first (1) Moh an ’s fath er said th at Mo-
witn ess to be called. h an h ad m ade th e m ess an d
(5) Non e of th ese proposed th at h e clear it u p.
Th e qu een said to h er son , “You (2) Moh an ’s fath er said th at Mo-
m u st go to th e forest an d rem ain h an h ad m ade th e m ess an d
th ere till you r fath er cal ls you th at h e was to clear it.
back .” (3) Moh an ’s fath er said th at Mo-
(1) Th e qu een ordered h er son to h an h ad m ade th e m ess an d
go to th e forest an d rem ain su ggested th at h e clear it.
th ere till h is fath er calls h im (4) Moh an ’s fath er said th at Mo-
back . h an h ad m ade th e m ess an d
(2) Th e qu een told h er son th at th at h e sh ou ld clear it.
h e m u st go to th e forest an d (5) Non e of th ese
r em ai n t h er e ti ll h i s fat h er
called h im back . SHORT ANSWERS
(3) Th e qu een told h is son th at
you m u st go to th e forest an d
rem ain th ere till you r fath er 1. (4) 2.(1) 3.(3) 4.(4)
called you back . 5.(1) 6.(3) 7.(4) 8.(2)
(4) Th e qu een told h er son to go
9.(2) 10.(4) 11.(3) 12.(1)
t o th e for est an d r em ai n ed
th ere till h is father called h im 13.(4) 14.(2) 15.(4) 16.(4)
back .
17.(2) 18.(4) 19.(3) 20.(4)
(5) Non e of th ese
I said, “Wh en it gets dark , ligh t 21.(2) 22.(3) 23.(3) 24.(1)
th e lan tern an d h an g it ou t.” 25.(2) 26.(2) 27.(1) 28.(4)
(1) I said th at wh en it got dark
h e ligh t th e lan tern an d h u n g 29.(2) 30.(3) 31 .(2) 32.(2)
it ou t. 33.(4) 34.(4) 35.(3) 36.(2)
(2) I requ ested th at wh en it got
dark h e m ay ligh t th e lan tern 37.(1) 38.(2) 39.(2) 40.(4)
an d h an g it ou t. 41.(3) 42.(4) 43.(3) 44.(2)
-449-
 MISCELLANEOUS
45.(3) 46.(3) 47.(3) 48.(4) 5. (1) Relation  Collection — Un it. 25. (2) Relation — Sim ilar m ean in g
6. (3) Relation  Precedin g — Su c- (Rou t = cru shin g defeat, Triu mph
49.(2) 50.(1) 51.(3) 52.(4) = victory).
ceedin g (Appetite = Hu n ger, Ap-
53.(1) 54.(3) 55.(3) 56.(1) plau se = Praise). 26. (2) Relation — Nou n - Its strength
showing adjective. (Stu rdy = strong).
57.(3) 58.(3) 59.(2) 60.(2) 7. (4) Relation  Essen tial com po-
n en t — Hou sin g en tity. 27. (1) Relation  Wearin g object —
61.(3) 62.(4) 63.(2) 64.(3) Place of u sin g (Tiar a = cr own ,
8. (2) Relation  Effect — Cau se. k anapsack = bag to be carried on
65.(3) 66.(3) 67.(4) 68.(4)
9. (2) Relation  Ch ain in g th in g — the back , Noose = k not in the rope).
69.(2) 70.(4) 71.(3) 72.(3) Vi ct i m (L eash = Leat h er st r i p 28. (4) Relation  Prey — Predator.
73.(2) 74.(3) 75.(3) 76.(1) arou n d a dog’s n eck ). 29. (2) Relation  Person — Work in g
10. (4) Relation  Su rrou n ded th in g place.
77.(3) 78.(3) 79.(4) 80.(3)
— Su rrou n din g th ing, 30. (3) Rel at i on  M i l d act i on —
81.(2) 82.(2) 83.(1) 84.(3) 11. (3) Relation  Th in g or even t — St ron g ver si on (In si n u at e = t o
85.(4) 86.(1) 87.(3) 88.(3) Con trolling h ead. blam e in directly).
12. (1) Relation  Opposite feelin g — 31. (2) Relation  Type of person —
89.(4) 90.(4) 91.(2) 92.(1) Qu ality (Valou r - bravery, Cyn ic =
Person (Diligen ce = Hard labou r,
93.(3) 94.(3) 95.(4) 96.(1) sage = Ascetic). on e wh o always dou bts).
13. (4) Relation  Person — Place of 32. (2) Relation  Th in g — Its defin -
97.(1) 98.(4) 99.(1) 100.(4)
in g qu ality.
101.(2) 102.(4) 103.(1) 104.(4) work in g.
33. (4) Relation  Th in g — Hou sin g
14. (2) Relation  Th in g — Place of
105.(1) 106.(4) 107.(3) 108.(2) place (Vau lt = a big lock er to k eep
living. (Her mit = Monk , Sage; Her -
cash , Exch equ er = treasu ry).
109.(4) 110.(2) 111.(3) 112.(2) m itage is h is place of livin g).
34. (4) Relation  Th in g — Its defin -
113.(1) 114.(2) 115.(2) 116.(1) 15. (4) Relation  Thing — Its sou n d. in g ch aracteristic.
(Tu sk = Projectin g teeth of th e el-
117.(3) 118.(3) 119.(3) 120.(3) 35. (3 ) Relat ion  Fem ale — Male
eph an t).
(Gan d er = m al e goose, Pu p =
121.(2) 122.(3) 123.(3) 124.(1) 16. (4) Relation  Sim ilar m ean in g. you ng dog, Doe = female deer, Stag
125. (2) 126. (3) 127. (1) 128. (3) (Vestm en t is th e gown of a priest; = m ale deer, Bridle = controllin g
129. (1) 130. (4) 131. (3) 132. (1) Solem n Seriou s). leash arou nd a horse’s m ou th).
133. (3) 134. (4) 135. (1) 136. (3) 17. (2) Relation  In creasin g or au g- 36. (2) Relation  In dicator — In di-
menting action -Au gmen ted th ing. cation .
137. (3) 138. (4) 139. (1) 140. (4)
(Exacerbate = to in crease pain etc 37. (1) Relation  Nou rish in g place
141. (4) 142. (2) 143. (1) 144. (4) n ot sale). — Nou rished th in g.
145. (3) 146. (3) 147. (4) 148. (3) 18. (4) Relation  Horn s — An im al. 38. (2) Relation  Mild action — In -
149. (3) 150. (2) 151. (3) 152. (3) (Mane is th e lon g h air on th e n eck ten se version .
153. (3) 154. (4) 155. (3) 156. (3) of th e lion ), 39. (2) Relation  In stru m en t — Ac-
19. (3) Relation  Written item — tion . (Pen dan t = lock et)
157. (4) 158. (2) 159. (1) 160. (4)
Pu r p o se or ef f ect of w r i t i n g 40. (4) Relation  You ng — Adu lt (As-
161. (3) 162. (2) 163. (4) 164. (3) (Wermon = Preach ing, Anecdote = ter - a garden plan t).
165. (2) 166. (4) 167. (4) 168. (3) A sh ort stor y, Fab l e = A st or y 41. (3) Relation  Nou rishing place —
169. (1) 170. (4) 171. (1) 172. (2) teaching moral lesson ie, didactic). Nou rish ed th ing.
173. (3) 174. (2) 175. (4) 20. (4) Relation  Nou rishing place — 42. (4) Relation  Work er — Place of
Nou rish ed th ing. work .
21. (2) Relation  In ten se action — 43. (3) Relation  Collection — Un it
EXPLANATIONS Its mild version (Scu rry = to ru n ). (Lexicon = list of words).
1. (4) Relati on  Cau se  effect . 22. (3) Relation  Opposite action to 44. (2) Relation  Instrument — Action.
Kn ife : Laceration (tearin g of flesh) the given condition. (Ru ffe = to u p- 45. (3) Relation  Female-Male (Gan-
m ay cau se con fu sion bu t th is re- set or confu se, Flou nce = to walk in der = m ale goose, Pu p = you n g
lation is accidental and occasional anger, Tu rmoil = distu rbance). dog, Doe = fem ale deer, Stag =
n ot perm an en t. 23. (3) Relation  Horn s — An im al m ale d eer, B ri dle = con tr ol li n g
2. (1) Relation  Two styles of com - (Mane is th e lon g h air on th e n eck leash arou n d a h orse’s m ou th ).
position differen t to each oth er. of th e lion ). 46. (3) Relation  Collector — Collec-
3. (3) Relation  In crease in th e in - 24. (1) Relation  Condition — Lack - tion.
ten sity of th e action (ie, m an n er ing th ing (In digen t = poor, Em aci- 47. (3) Relation  Arbiter — Situ ation
of doin g som ethin g).
ated = weak and thin , Sm u g = very (Moderator = a ju dge in a debate,
4. (4) Relation  Property — Effect pleased, Com placen cy = Self-Sat- Prodigy = a you ng person with re-
(Fragile = delicate). Pliable can be isfaction). mark able qu ality).
ben t easily.
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-450-
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48. (4 ) Rel at i on  M i d d l e p ar t —
Wh ole (Rin d = h ard ou ter sk in ,
Stalk - stem )
49. (2) Relation  Action - Cau sin g
th in g (Con flagration = fire).
50. (1) Relation  Action-Qu ality. (Ti-
rade = stron g criticism , Critiqu e
= critical analysis, Insolent = ru de
in behaviou r, Prologu e = in trodu c-
tory preface of a dram a).
51. (3) Relation  Qu ality — Lack in g
elem en t (Im peccable = free of or
lack in g in flaw, In fallible = free of
or lack in g in error).
52. (4) Relation  In trodu cin g th in g
— Th in g in trodu ced.
53. (1) Relation  In ten se action —
Its mild version (Scu rry = to ru n ).
54. (3) Rel ati on  Su i t ab le act i on
again st — Accu sed.
55. (3) Relation  Betrayer — Betrayed
thin g (Poten tate = a ru le havin g
direct comm and on people).
56. (1) Relation Work -Lan gu age.
57. (3) Relation  A per former — Per -
form in g grou p.
58. (3) Relation  Sim ilar m ean ing.
59. (2) Relation  Object — Keepin g
p lace (M in t i s wh ere coi n s ar e
manu factu red).
60. (2) Wonderfu l, Fabu lou s and other
three option s ie, Su per, Great an d
Splen did m ean extraordin ary or
very good.
Su perlative con n otes a sen se
of com parison an d means of h igh-
est qu ality am on g m an y thin gs.
61. (3) In ord i n ate, H u ge an d ot h er
three option s ie, A, B an d D mean
very big or excessive. In satiable
m ean s th at can n ot be satiated or
placated.
62. (4) All th e words except D m ean
brief in size or con ten t. Abru pt
m ean s su dden .
63. (2) Obt u se is in tel lectu ally d u ll
and illogical in speak in g or u nder -
stan ding.
64. (3) Som eon e wh o is qu eru lou s or
Peevish or gru m blin g is u su ally
irritated and complaining abou t an
u n i m p or t an t t h i n g. Red r es s
m ean s to com pen sate or set righ t
a wron g. Sh abby is dirty or u n -
tidy an d in poor con dition .
65. (3) Wh en different things are work -
i n g i n h a r m o n y , t h ey ar e
syn ch ron ised an d th is h appen s
exactly in an orch estra.
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66. (3) Relation  Qu ality — Oppo-
site action (Elu sive = difficu lt to
captu re, Headstron g = difficu lt to
con trol, Gu llible - easy to ch eat
or trick ).
67. (4) Relation  Style — Pu rpose
(Aph orism = rem ark expressin g
tru th , Sen ten tiou s = m oralisin g,
Redu n dan t = u seless, Lau datory
= pr aisin g, Ad age = tr ad iti on al
ph rase of tru th , Maxim = sayin g
of tru th , Allegorical = sym bolic).
68. (4) Rel a t i o n  N ou n — I t s
s t r en gt h s h o w i n g a d j ec t i v e.
(Stu rdy = stron g).
69. (2) Relation  Sim ilar m ean in g
(Rou t = cru shin g defeat, Triu mph
= victory).
70. (4) Relation  Gap of on e,
71. (3 ) Relati on  M il d — In ten se
(Gale = stron g win d).
72. (3) Relation  Opposite (Pu n y =
sm all an d weak ).
73. (2) Relation  Object-Action (Flay
= to h it h ard by wh ip, Ch astise =
to scold severely).
74. (3) Relation  Opposite action (Irk
= to aggravate or irritate, Appease
= to calm , Deprave = to mak e mor -
ally ban k ru pt, Qu ibble = to argu e
on u n im portan t th in g, Ridicu le =
to m ock , D ecorate = t o awar d,
Stu pefy = to mak e completely su r -
prised, Debilitate = to weak en ).
75. (3) Relation  Withou t consent or
ask in g - With con sen t-(Plagiarize
= to u se oth er’s ideas as own an d
with ou t ask in g, Pilfer = to steal,
Extort = to obtain forcibly).
76. (1) Rel at i on  Au t h or i t y = It s
crown (Ch isel = a tool th at h elps
to sh ape).
77. (3) Balm gives calm ness mean s it
comforts. Solace and Console also
m ean to give com fort.
78. (3) Pr ol ifer at e m ean s t o rep r o-
du ce or grow in n u m ber. Th rive
an d Bu rgeon also mean the sam e.
Im pel m ean s to prom pt or u rge
or coax someon e to do someth in g.
79. (4) First m ean in g of remote is far -
off or d i st an t . A r em ot e p l ace
cou ld also be situ ated away ie,
separated from th e m ain lan d ie,
seclu ded. In a ph rase lik e rem ote
chance or possibility it means very
less ie, slight. Compu nction means
sym pathy.
80. (3) Im m acu late m ean s spotless,
fau ltless (ie, Sin less, In n ocen t).
MISCELLANEOUS
81. (2) Obliterate m ean s to wipe ou t
or rem ove ie, Delete or Elim inate.
Expu n ge h as th e sam e m ean in g
as Delete. Demu r m eans to dou bt
or object.
82. (2) Nou n (A determ iner lik e ‘a’h ere
can com e on ly before a n ou n ).
83. (1) Adjective (as it qu alifies a n ou n
hole’).
84. (3) A d ver b (a s so c i a t ed w i t h
‘come’).
85. (4) Preposition (sh owin g relation
of th e earth with th e su n ).
86. (1) Adjective (qu alifies Mon day).
87. (3) Adverb (with qu estion word to
express su rprise etc.)
88. (3) Adverb (m ean ing ‘afterwards’).
89. (4) Preposition (m ean in g ‘by th e
side of’).
90. (4) Relation  Class — Specific
ex am ple (Al l d esser ts cou l d be
called pie).
91. (2) Relation  Sim ilar (Agnostic =
on e wh o is n ot su re abou t th e ex-
isten ce of God).
92. (1 ) Rel ati on  Sim il ar (D isti n -
gu ish ed = Im portan t or su ccess-
fu l, Overt = open , Glarin g = dis-
tinct).
93. (3) Relation  Similar (Disapprove
= to reject, Svelte = th in an d at-
tractive).
94. (3) As garb age brin gs di rty an d
u n pleasan t con dition s (ie, squ a-
lor), diamond brings magnificence.
95. (4) On e is opposite to oth er.
96. (1) On e is opposite to oth er.
97. (1) Sim ilar m eaning.
98. (4) Someth ing torpid is n ot active
wh ereas h yperactive is extrem ely
active.
99. (1) An u pstart gain s m on ey su d-
den ly m ean in g th ereby h e does
n ot belon g to a tradition ally rich
family.
100. (4) Matin s are m or n in g prayer.
101. (2) A an d C
102. (4) Non e of th ese
103. (1) A an d B
104. (4) All of th ese
105. (1) A an d B are to be filled in th at
ord er
106. (4) on ly B is. to be filled
107. (3) B an d A are to be filled in th at
ord er
108. (2) on ly A is to be filled
109. (4) “h ad ou gh t to” sh ou ld be re-
placed by eith er sh ou ld ou gh t to;
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with situ ation “in wh ich ” sou n ds
bett er.
110. (2) Th e given sen ten ce is correct.
111. (3) In pl ace of ‘fr om th ey’ ‘from
th em ’is correct.
112. (2) Th e sen t en ce n eed s n o i m -
provem en t.
113. (1) After we bowed ou r heads, th e
p r i est in t h e t em p l e led u s t o
prayer
114. (2) An yon e i n ter est ed i n flyi n g
plan es can learn m u ch if h e h as
access to a fligh t sim u lation m a-
ch in e
115. (2) Th e m oral of th e en tire story
is th at m on ey doesn ’t m ak e you
happy
116. (1) Ever sin ce th e sting operation ,
th ere h as been m u ch opposition
from th ose wh o m ain tain th at it
was an u n au th orised act
117. (3) Relation  Pattern  Made of.
118. (3) Relation  Sim ilar m ean ing.
119. (3) Relation  Man u script is th e
work of an au th or an d blu eprin t
is produ ced by an arch itect,
120. (3) Relation  Person Qu ality.
121. (2 ) Relat i on  Li gh t act ion 
Stron g action .
122. (3) Fidget: Un easin ess
123. (3) Relation  Th in g  Used to
produ ce.
124. (1) Cen su s : Popu lation
125. (2) H e ask ed Ravi wh y h e was
sou n din g so depressed th at day.
126. (3) He ask ed m e wh at tim e th e
su n wou ld set th e n ext day.
127. (1) Th e Pr i n c i p al a sk ed T i n u
where h e h ad been all those days.
128. (3) Mi n u ’s broth er ask ed h er if
sh e h ad fin ish ed h er assign men t.
129. (1) H e says t h at h e goes for a
walk every m orn in g.
130. (4) Th e Prin cipal ask ed An u j wh y
h e didn ’t atten d th e flag h oistin g
cerem on y.
131. (3) I ask ed h im wh ere h e h ad lost
th e pen I h ad brou gh t for him th e
previou s day.
132. (1) He said th at Garim a wan ted
to tak e u p a job wh ile h er h u s-
ban d wan ted h er to look after th e
family.
133. (3) Sh e said th at wh en sh e was a
ch ild sh e wasn ’t afraid of gh osts.
134. (4) He ask ed Reen a if sh e wan t-
ed to bu y a h ou se in Noida.
I .B.S. Regi st ered Off i ce: SCO. 108-109, Sect or-8C, Madh ya Mar g, Ch an di gar h . Ph : 092161-78310
H ead Of f ice: SCO. 134-135, Top Fl oor, Sect or 34-A, Ch andi garh . Ph : 093160-68310
Cor por at e Of f i ce: A-45-46, Near Ni r m an Vi har Met r o St at i on, Laxm i n agar, New Del hi . Ph: 092666-78310
135. (1) I ask ed m y frien d if I cou ld
borrow his diction ary for on e day.
136. (3) He told h is m oth er to let Hari
com e with them as he wou ld tak e
care of h im .
137. (3) Th e ch ild said th at h e wou ld
n ot k neel for if h e did so h e wou ld
spoil h is n ew pair of trou sers.
138. (4) Th e ch airm an of th e selection
com m ittee said th at th ey wou ld
fin alise th e rest of th eir team af-
ter th ey h ad selected th e sk ipper.
139. (1) He ask ed m e if an ybody h ad
been u n k in d to m e.
140. (4) Th e pilot told th e passen ger
n ot to panic bu t tighten th eir seat
bel ts.
141. (4) H e ask ed Ravi wh y h e was
sou n din g so dejected th at day.
142. (2) Sh e said th at sh e sh ou ld re-
m ain th ere an d th e tailor wou ld
n ot be able to fin d h er.
143. (1) Moth er told Gau rav h e wou ld
be eligible for votin g when h e was
18 .
144. (4) H e ap p l au d ed h i m , sayi n g
th at h e h ad don e well.
145. (3) He told m e th at I was gettin g
lazy day by day.
146. (3) I ask ed m y m ot h er wh en I
wou ld be able to vote.
147. (4) I ask ed m y fat h er wh en h e
wou ld bu y m e a m otor cycle.
148. (3) He ask ed m e if th ere was an y
possibility of h is gettin g prom o-
tion th at year.”
149. (3) Th e dealer told th e cu stom er
th at h e sh ou ld eith er m ak e h is
p u r ch ases, or wal k ou t of h i s
sh op.
150. (2) He said th at h e did n ot wish
to see an y of th em an d ordered
th em to go away.
151. (3) He ask ed u s wh y we were all
sittin g abou t th ere doin g nothing.
152. (3) Th e ol d lady p rayed for h er
son an d said th at h e m igh t live
lon g an d prosper
153. (3) We wish ed h im m an y h appy
retu rn s of h is birth day.
154. (4) Babar cu rsed an d exclaim ed
that a soldier shou ld n ot be afraid
of figh tin g.
155. (3) H e en qu ir ed Sit a wh en sh e
in ten ded to pay back th e m on ey
sh e h ad borrowed from h im .
156. (3) He exclaim ed Heaven to h elp
h im t h at h e wou ld n ever st eal
again.
MISCELLANEOUS
157. (4) Sh e proposed th at sh e wou ld
give h im Rs.100 to k eep his mou th
shu t.
158. (2) Th e patien t exclaim ed to th e
doctor th at h ow m u ch tim e sh e
h ad.
159. (1) J aya su ggested givin g a party
bu t h er hu sban d an swered in th e
n egative.
160. (4) He ask ed h er if it h ad sh ak en
h er u p as it h ad sh ak en h im .
161. (3) Th e Ch ief Min ister exclaim ed
with sorrow th at th e earth qu ak e
was a terrible disaster.
162. (2) I told h er th at all h er fau lts
wou ld b e pardon ed i f sh e con -
fessed th em .
163. (4) The teach er ask ed th e stu den t
wh y h e h ad been absen t th e pre-
viou s day.
164. (3) My frien d said th at from on e
of th e windows of h is flat he cou ld
see th e Qu tu b Min ar.
165. (2) Sh an k er ex cl ai m ed t o h i s
fr ien d wit h su rp ri se t h at th er e
was a sn ak e beh in d h im .
166. (4) Th e teach er ask ed Ram if h e
wou ld lik e to go on a trip to Kash -
m ir an d Ram replied in th e affir -
m ative.
167. (4) Sh e su ggested th at th e ch il-
dren sh ou ld go ou t for a nice lon g
walk .
168. (3) Everybody exclaim ed th at sh e
san g very well.
169. (1) Th e ol d m an of L at u r ex -
claim ed with sorrow th at h is on ly
son was dead.
170. (4) I declared th at th ou gh Moh an
m igh t do h is worst, h e cou ld n ot
h arm m e.
171. (1) Th e ju dge com m an ded to call
th e first witn ess.
172. (2) Th e qu een told h er son th at
h e m u st go to th e forest an d re-
main there till his father called him
back .
173. (3) I said th at wh en it got dark h e
shou ld light th e lan tern an d h an g
it ou t.
174. (2) The teacher warned Ash ok that
h e wou ld report th e m atter to th e
Principal if h e m isbeh aved again .
175. (4) Moh an ’s fath er said th at Mo-
h an h ad m ade th e m ess an d th at
h e sh ou ld clear it.
ppp
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