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IBPS CLERK Prelims 2022 – Bundle PDF Course: English – Day-10/50

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IBPS CLERK Prelims 2022 – Bundle PDF Course: English – Day-10/50

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IBPS CLERK Prelims 2022 – Bundle PDF Course: English – Day-10/50

English Language

Directions (1-5): Read the passage carefully. 2.


Some of the bolded words may be A. scarce
inappropriate. Replace the inappropriate word B. inadequately
with the alternative word from the given option C. deficiency
to make the passage contextually and D. plenty
grammatically correct. If no replacement is E. No replacement is required
required, choose ‘option E’ as your answer.
Over-extraction of groundwater can have lure 3.
(1) consequences, including land subsidence A. controversies
and conflicts linked to atypical (2) supplies. B. fights
Droughts are becoming more frequent as the C. arguments
climate heats up, creating problems for India's D. demands
rain-dependent farmers, while disputes (3) E. No replacement is required
between states are rising. The planet's
groundwater can be contaminated by 4.
improper sanitation and pit latrines, as well as A. tending
industrial pollution from tanning, mining and B. entrance
agricultural chemicals. U.N. report editor C. susceptible
Connor noted that groundwater is less D. menace
accessible (4) to pollution than surface E. No replacement is required
supplies. But once it happens, the
contamination is hard to reverse, he said, 5.
calling for more action to protect groundwater A. restructure
by relinquishing (5) environment agencies, B. assessing
regulation and enforcement. C. abandoning
1. D. strengthening
A. regal E. No replacement is required
B. hostile
C. dire Directions (6-10): In column I, a sentence is
D. destructive given with a blank in it. In column II three
E. No replacement is required phrases/ sentences are given. Choose the

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IBPS CLERK Prelims 2022 – Bundle PDF Course: English – Day-10/50

phrase (s) /sentence (s) that could fill the access to drinking
blank both contextually and grammatically. water in future.
6.
A. Only A
Column I Column II
B. Only C
Underground supplies A) are the
C. Both A and C
account for about half of cheapest source
D. Only B
the water used of drinking water
E. All A, B and C
domestically by the for rural villagers
world’s population
B) the availability
8.
and__________, most of
of groundwater is
Column I Column II
whom are not
reduced
Commenting on Sri A) recover from the
connected to public or
C) the metro
Lanka’s death and
private supply systems.
water is the
reported suspension of file the
primal source of
Chinese energy claim.
drink water
projects in B)expressed
A. Only A the three northern disappointment
B. Both A and B
islands that they were
C. Only C
off Jaffna in Sri Lanka’s “interrupted
D. Only B
Northern Province, Mr. for unknown
E. All A, B and C Qi reasons”.
______________. C) voiced his
7.
dissatisfaction
Column I Column II
regarding the
In Indonesia's capital, A) causing the
disturbances.
Jakarta, rapid mega-city to sink
A. Both B and C
urbanisation and by about 5-10 cm
B. Only C
disappearing water each year.
C. Both A and C
catchment areas mean B) whereas India
D. Only B
most residents rely on suffered the worst
E. All A, B and C
wells that drain water crisis.
underground aquifers, C) resulting the 9.
________________. population with
Column I Column II
no reliable
Since the spotted
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IBPS CLERK Prelims 2022 – Bundle PDF Course: English – Day-10/50

deer are weak- A) little over


hearted halfway through its Directions (11-15): A word is given and the
animals___________ journey word is used in three sentences. Choose the
__, the workers sentence(s) in which the word is appropriately
modified a large B) susceptible to a used. If the word is used inappropriately in all
truck for their sudden change in of the given sentences, choose ‘none of the
translocation with the environment given’ as your answer.
the creation of water C) also supporting 11. Adopt
bodies, fountainsand research and I. The pandemic forced students to adopt
grass carpet. investment online learning, and over two years were
spent receiving education through phones and
A. Only A laptop screens.
B. Only B II. Adoption of new technology and automation
C. Both A and C is closely linked to in-product basket diversity
D. Both B and C creation too.
E. All A, B and C III. As your child grows, the furniture will adopt
to her needs.
10. A. Only I
Column I Column II B. Both I and II
If wrong areas are A) in a mountainous C. Only III
selected for part of southern D. All I, II and III
plantation, Guangxi province E. None of the given
_______________ , B) the natural
which will cause habitat may get 12. Fall
habitat specialist altered I. Many people accidentally fall from the train
species to become C) build a region while the train is approaching the station.
extinct. where every II. She became mentally unstable since she

nation can prosper lost her son last fall.

A. Both B and C III. The late fall breeze had chilled my skin and

B. Only C I started to shiver.

C. Both A and C A. Only I

D. Only B B. Both I and II

E. All A, B and C C. Only III


D. All I, II and III
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IBPS CLERK Prelims 2022 – Bundle PDF Course: English – Day-10/50

E. None of the given II. Even though her home is isolated, it has no
alarm or security system.
13. Embrace III. When a ray of light passes through a
I. Clear acrylic coating is usually applied to prism, it gets isolated into VIBGYOR.
embrace the visibility of the colors in the A. Only I
stone. B. Both I and II
II. As more people embrace the practice of C. Only III
mediation and other basic techniques of D. All I, II and III
mindfulness, spirituality continues to grow in E. None of the given
popularity.
III. Avoid picking games that could potentially Directions (16-20):- A sentence is provided
embrace the children involved. with two blanks in it. Choose the appropriate
A. Only I pair of words from the given option that could
B. Both II and III fill the blank both contextually and
C. Only II grammatically.
D. Both I and II 16. Sri Lanka’s economic crisis is ______
E. None of the given rapidly, putting citizens through ________
hardship.
14. Lynched A. altering, vanished
I. She will get lynched on completing her B. exaggerated, manipulative
studies. C. aggravating, enormous
II. The smell of the perfume is not lynched by D. diminishing, extraordinary
everyone. E. evacuating, hefty
III. A policeman was lynched and a few others
were injured in the attack. 17. Videos and other learning channels have
A. Only III taken _________ over other conventional
B. Both II and III mediums to provide a _________ experience to
C. Only II students and keep them engaged.
D. All I, II and III A. superiority, pragmatic
E. None of the given B. precedence, holistic
C. supersede, agonizing
15. Isolated D. leading, unbearable
I. Zara feels isolated because everybody E. imperative, extraordinary
except her seems to be doing fine.
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IBPS CLERK Prelims 2022 – Bundle PDF Course: English – Day-10/50

18. Everyone has to ________ to the order of B. Hoping, outrageous


the courts and there is scope to _______ in C. Experiencing, voracious
higher court if one is not happy with the D. Baiting, illusionary
judgment. E. Involving, unexpected
A. admit, reveal
B. relay, plead 20. A prolonged _________ in Europe could
C. respect, revert ________ the global economy into recession.
D. defy, proceed A. dilemma, peril
E. adhere, appeal B. dispute, demolish
C. conflict, tip
19. Sri Lanka is _________ an ________ D. temptation, elevate
economic crisis for months now. E. protests, reward
A. battling, unprecedented
Click Here to Get the Detailed Video Solution for the above given Questions-Will Update Soon
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Answer Key with Explanation


1. Answer: C ● ‘Scarce’ means ‘(especially of food,
● Replace ‘lure’ with ‘dire’. money, or some other resource)
● ‘Dire’ means ‘of a situation or event) insufficient for the demand.’
extremely serious or urgent’. ● ‘Atypical’ means ‘not representative of a
● ‘Lure’ means ‘tempt (a person or animal) type, group, or class.’
to do something or to go somewhere, ● ‘Inadequately’ means ‘in a way that lacks
especially by offering some form of the quality or quantity required;
reward.’ unsatisfactorily.’
● ‘Hostile’ means ‘unfriendly; antagonistic’. ● ‘Deficiency’ means ‘a lack or shortage’.
● ‘Destructive’ means ‘causing great and ● ‘Plenty’ means ‘a large or sufficient
irreparable harm or damage’. amount or quantity; more than enough’.
● ‘Regal’ means ‘of, resembling, or fit for a
monarch, especially in being magnificent 3. Answer: E
or dignified.’ ● No replacement is required.
● ‘Disputes’ means ‘disagreement,
2. Answer: A argument, or debate’.
● Replace ‘atypical’ with ‘scarce’.
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IBPS CLERK Prelims 2022 – Bundle PDF Course: English – Day-10/50

● ‘Controversies’ means ‘disagreement, ● ‘Strengthening’ means ‘to make


typically when prolonged, public, and something stronger or more effective, or
heated’. to become stronger or more effective’
● ‘Fights’ means ‘a violent confrontation or ● ‘Relinquishing’ means ‘voluntarily cease
struggle’. to keep or claim; give up’.
● ‘Arguments’ means ‘an exchange of ● ‘Restructure’ means ‘organize differently’.
diverging or opposite views, typically a ● ‘Assessing’ means ‘evaluate or estimate
heated or angry one’. the nature, ability, or quality of’.
● ‘Demands’ means ‘an insistent and ● ‘Abandoning’ means ‘give up completely
peremptory request, made as if by right’. (a course of action, a practice, or a way
of thinking)’.
4. Answer: C
● Replace ‘accessible’ with ‘susceptible’. 6. Answer: A
● ‘Susceptible’ means ‘likely or liable to be ● Only A could fit the blank.
influenced or harmed by a particular ● The sentence is about the importance of
thing’. underground water.
● ‘Accessible’ means ‘of a person, typically ● ‘Whom’ in the sentence refers to ‘rural
one in a position of authority or villagers’ in the phrase A.
importance) friendly and easy to talk to; ● The complete sentence is ‘Underground
approachable’. supplies account for about half of the
● ‘Tending’ means ‘regularly or frequently water used domestically by the world’s
behavingin a particular way or havinga population and are the cheapest source
certain characteristic’. of drinking water for rural villagers, most
● ‘Entrance’ means ‘fill (someone) with of whom are not connected to public or
wonder and delight, holding their entire private supply systems.’
attention’.
● ‘Menace’ means ‘a person or thing that is 7. Answer: C
likely to cause harm; a threat or danger’. ● Both A and C could be the answer.
● The sentence talks about the situation in
5. Answer: D Indonesia and phrases A and C saythe
● Replace ‘relinquishing’ with consequence of the situation.
‘strengthening’. ● The complete sentence is, ‘In Indonesia's
capital, Jakarta, rapid urbanisation and
disappearing water catchment areas
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IBPS CLERK Prelims 2022 – Bundle PDF Course: English – Day-10/50

mean most residents rely on wells that creation of water bodies, fountainsand
drain underground aquifers causing the grass carpet.’
mega-city to sink by about 5-10 cm each
year / resulting the population with no 10. Answer: D
reliable access to drinking water in ● Only B could fit the blank. Both A and C
future.’ are irrelevant to the context.
● The sentencetalks about selection of
8. Answer: A regionsfor plantation and its
● Both B and C have similar meaning and consequences.
both could fit the blank. ● The complete sentence is ‘If wrong areas
● The sentence talks about the suspension are selected for plantation, the natural
of Chinese projects in Srilanka and habitat may get altered, which will cause
Mr.Qi’s view on it. habitat specialist species to become
● The complete sentence is, ‘Commenting extinct.’
on Sri Lanka’s reported suspension of
Chinese energy projects in the three 11. Answer: B
northern islands off Jaffna in Sri Lanka’s ● ‘Adopt’ means ‘choose to take up, follow,
Northern Province, Mr. Qi expressed or use.’
disappointment that they were ● In sentence I and II, the words ‘adopt’
“interrupted for unknown reasons” / and ‘adoption’ are used correctly.
voiced his dissatisfaction regarding the ● In sentence III, ‘adopt’ is inappropriate.
disturbances. And it needs to be replaced by ‘adapt’.
● ‘Adapt’ means ‘become adjusted to new
9. Answer: B conditions’.
● Only B could fit the blank.
● The sentence says about transferring 12. Answer: D
spotted deer to some location through a ● ‘Fall’ means ‘(season)autumn’.
modified vehicle and phrase B says why ● ‘Fall’ means ‘(of a person) losingone’s
the truck is modified. balance and collapse’.
● The complete sentence is, ‘Since the ● In all the given sentences the word ‘fall’
spotted deer are weak-hearted animals is appropriately used.
susceptible to a sudden change in the
environment, the workers modified a 13. Answer: C
large truck for their translocation with the
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IBPS CLERK Prelims 2022 – Bundle PDF Course: English – Day-10/50

● ‘Embrace’ means ‘accept or support (a ● The sentence says Srilanka’s crisis is


belief, theory, or change) willingly and becoming worse and people are facing
enthusiastically’. enormous hardship.
● In sentence II, the word ‘embrace’ is ● ‘Altering’ means change or cause to
appropriately used. change in character or composition,
● In sentence I and III, the word ‘embrace’ typically in a comparatively small but
is inappropriate. significant way.
● ‘Vanished’ means to disappear suddenly
14. Answer: A and completely.
● ‘Lynched’ means ‘(of a mob) kill ● ‘Diminishing’ makes or become less.
(someone), especially by hanging, for an ● ‘Extraordinary’ means very unusual or
alleged offense with or without a legal remarkable
trial’. ● ‘Evacuating’ means removing(someone)
● In sentence III, the word ‘lynched’ is from a place of danger to a safer place.
appropriately used. ● ‘Hefty’ means large, heavy, and powerful
● In sentence I and II, the word ‘lynched’ is
inappropriate. 17. Answer: B
● ‘Precedence’ means ‘the condition of
15. Answer: B being considered more important than
● ‘Isolated’ means ‘cause (a person or someone or something else; priority in
place) to be or remain alone or apart importance, order, or rank.’
from others.’ ● ‘Holistic’ means ‘dealing with or treating
● ‘Isolated’ means ‘far away from other the whole of something or someone and
places, buildings, or people; remote.’ not just a part’.
● In sentence I and II, the word ‘isolated’ is ● The sentence says videos and other
appropriately used. learning channels have takenover the
● In sentence III, the word ‘isolated’ is traditional medium and provides a holistic
inappropriate. experience to the students.
● ‘Superiority’ means ‘the state of being
16. Answer: C superior’.
● ‘Aggravating’ means ‘making a problem ● ‘Pragmatic’ means ‘dealing with things
or offense worse or more serious’ sensibly and realistically in a way that is
● ‘Enormous’ means ‘very large in size, based on practical rather than theoretical
quantity, or extent’. considerations’.
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IBPS CLERK Prelims 2022 – Bundle PDF Course: English – Day-10/50

● ‘Supersede’ means ‘take the place of (a ● ‘Revert’ means ‘return to (a previous


person or thing previously in authority or state, practice, topic, etc.)’.
use); supplant.’
● ‘Agonizing’ means ‘causing great 19. Answer: A
physical or mental pain’. ● ‘Battling’ means ‘fight or struggle
● ‘Leading’ means ‘most important’. tenaciously to achieve or resist
● ‘Unbearable’ means ‘not able to be something’.
endured or tolerated’. ● ‘Unprecedented’ means ‘never done or
● ‘Imperative’ means ‘of vital importance; known before’.
crucial’. ● The sentence says Srilanka is fighting an
● ‘Extraordinary’ means ‘very unusual or unprecedented economic crisis.
remarkable’. ● ‘Hoping’ means ‘want something to
happen or be the case’.
18. Answer: E ● ‘Outrageous’ means ‘shockingly bad or
● ‘Adhere’ means ‘believe in and follow the excessive’.
practices of’. ● ‘Experiencing’ means ‘encounter or
● ‘Appeal’ means ‘apply to a higher court undergo (an event or occurrence)’.
for a reversal of the decision of a lower ● ‘Voracious’ means ‘wanting or devouring
court’. great quantities of food’.
● The sentence says everyone has to ● ‘Baiting’ means ‘deliberately annoying or
follow the orders of the court and if not taunting (someone)’.
satisfied they can apply to a higher court ● ‘Illusionary’ means ‘a thing that is or is
for a reversal of the decision. likely to be wrongly perceived or
● ‘Admit’ means ‘accept as valid’. interpreted by the senses’.
● ‘Reveal’ means ‘make (previously ● ‘Involving’ means ‘(of a situation or
unknown or secret information) known to event) include (something) as a
others’. necessary part or result.’
● ‘Relay’ means ‘receive and pass on ● ‘Unexpected’ means ‘not expected or
(information or a message)’. regarded as likely to happen’.
● ‘Plead’ means ‘make an emotional
appeal’. 20. Answer: C
● ‘Respect’ means ‘admire (someone or ● ‘Conflict’ means ‘a prolonged armed
something) deeply, as a result of their struggle’.
abilities, qualities, or achievements’. ● ‘Tip’ means ‘to fall or turn over’.
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IBPS CLERK Prelims 2022 – Bundle PDF Course: English – Day-10/50

● The sentence says the conflict could ● ‘Temptation’ means ‘the desire to do
causeEurope to fall into recession. something’.
● ‘Dilemma’ means ‘a difficult situation or ● ‘Elevate’ means ‘raise or lift’.
problem’. ● ‘Protests’ means ‘express an objection to
● ‘Peril’ means ‘serious and immediate what someone has said or done’.
danger’ ● ‘Reward’ means ‘a thing given in
● ‘Dispute’ means ‘a disagreement or recognition of service, effort or
argument’. achievement’.
● ‘Demolish’ means ‘pull or knock down’.
Score Booster

Directions (1-7): Read the passage and answer assets) from domestic banks was incorporated
the questions that follow. in July, and is called National Asset
The government’s announcement of providing Reconstruction Company Ltd. Public sector
₹ 30,600 crore in guarantees to the new bad banks such as Canara Bank, SBI, Bank of
bank had banking stocks partying in the Baroda, Bank of India may own 51 per cent of
markets. The Finance Minister said that the NARCL with other entities holding the rest.
government was willing to provide a backstop to Indian banks were said to be sitting on over
the National Asset Reconstruction Company, ₹ 8.3 lakh crore worth of gross non-performing
against the Security Receipts (SRs) it would assets or NPAs in March 2021. Covid related
issue. What should you make of this legalese? defaults are expected to push this number to
When you spring-clean your home, do you get ₹ 10-11 lakh crore by March 2022. When banks
tempted to throw all the junk into a storeroom so are dealing with bad loans, their capital and
that the remaining rooms look spic and span? management bandwidth gets tied up and they
The ‘bad bank’ idea works on similar lines. go slow on lending. (Since quick (A) credit flow
When a bank accumulates too many loans on is a key to enhanced (B) recovery from Covid, a
which borrowers are dodging payments, it spring-cleaning (C) of bank balance sheets is in
thinks of shoving these loans on to a ‘bad bank’ order (D)).
so that it can start off with a clean slate. The The NARCL proposes to buy out ₹ 2 lakh crore
government is keen to try out this idea now, worth of fully-provisioned loans (loans that are
given that banks are grappling with legacy bad carried at zero value in the books), which will
loans and are now seeing fresh slippages from immediately reduce the banks’ GNPA burden.
Covid. The bad bank, designed to take over ₹ 2 After the sale, banks are expected to pursue
lakh crore worth of NPAs (non-performing recoveries on more recent loans and to lend,

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IBPS CLERK Prelims 2022 – Bundle PDF Course: English – Day-10/50

instead of chasing chronic defaulters. The money to again recapitalize banks.


NARCL, with a large stockpile of stressed loans, 1. Under the new framework, how banks will get
is expected to have better clout than individual its payment from NARCL?
banks to pursue recoveries. A. NARCL will acquire stressed assets from
If it manages to recover something from the bad banks and infuse recovered value directly to the
loans, banks which sold them will get a direct banks
bottom-line boost. Given that NARCL is only B. The stressed assets will be acquired through
going to take over fully provided-for loans, it will a 5 percent upfront cash payment and 75
take them over at a 80-90 per cent haircut. It will percent in the form of security receipts
not be required to immediately fork out cash. It C. NARCL will recover Rs. 2 lakh crore and
will pay the banks 15 per cent of the value infuse it in banks in a phased manner
upfront, paying the balance in Security Receipts D. The stressed assets will be acquired through
(SRs), which will be redeemed as and when a 15 percent upfront cash payment and 85
recoveries are made against the loans. percent in the form of security receipts
The government has now offered to make up E. None of these
the shortfalls between the value of these SRs
and actual recoveries up to a sum of ₹ 30,600 2. According to the passage what is the key
crore. This will make the SRs more valuable for idea behind the formation of the bad bank?
banks holding them and they may get to cash A. To tackle the problem of mounting bad debts
out too. Instead of directly bailing out public in the banking sector
sector banks by infusing capital, the B. It is a corporate entity that alienates illiquid
government is nudging banks to promote and risky assets held by banks and financial
NARCL to rid them of some of their bad loans, institutions or group of banks
while offering some sops to NARCL to C. It is created to help banks clean their balance
smoothen its path. sheets by transferring their bad loans so that
The finances of large public sector banks may the banks can focus on their core business
look better after this clean-up shoring up D. Both (A) and (C)
depositor confidence. The GNPA ratios of E. All of the above
banks, particularly public sector banks, which
have been creeping up lately, may moderate if 3. Which of the following options can justify this
they get to transfer some of their legacy bad statement “banks are expected to pursue
loans to NARCL. Improved credit flow can give lending rather than hunting for defaulters”?
the tentatively recovering economy a leg up.
The government will not directly spend taxpayer
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IBPS CLERK Prelims 2022 – Bundle PDF Course: English – Day-10/50

A. The sale of bad loans helps the banks B. To overcome the burgeoning issue of bad
recoup some of the money they had lent to debts
companies C. To mount the growing problem of bad debts
B. If banks deal with bad loans their capital and in the banking sector
management capacity clogs and affects the D. Both (A) and (B)
lending process E. All of the above
C. Banks are usually skilled in lending but not
recovery and resolution of bad loans 6. In the passage a sentence in given in bracket
D. Banks clear off their balance sheets by there four words may or may not be in their
transferring bad loans and focus on lending correct positions. The sentence is then followed
activities by options with the correct combination of words
E. All of the above that should replace each other in order to make
the sentence grammatically and contextually
4. Instead of infusing capital in banks, how will correct. Find the correct combination of words
the government help the banks in dealing with that replace each other. If the sentence is
bad loans? correct as it is, select ‘E’ as your answer.
A. Government will spend taxpayers’ money to A. Only (B) – (C)
recapitalize banks B. Only (A) – (D)
B. Government will take irrecoverable loans C. Only (A) – (B)
from the bank’s books and sell them to D. Both (B)- (C) and (A) – (D)
prospective buyers through India Debt E. The statement is correct
Resolution Company Ltd.
C. Government will pay the balance between 7. According to the passage, which option is the
interest income and interest paid on the loans opposite of Nudging?
D. Government will give back-stop to pay the A. Push
gap between the realized value and the face B. Poke
value of receipt C. Dissuade
E. None of these D. Encourage
E. Wheedle
5. Which of the following options is true
regarding the formation of the new bad bank? Directions (8-12): Following are the jumbled
A. The whole idea is to ensure the capital sentences, arrange the sentences to make a
growth and a robust banking system coherent paragraph.

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IBPS CLERK Prelims 2022 – Bundle PDF Course: English – Day-10/50

A. And supporting women with digital education 9. Rearrange the given highlighted sentence to
and enabling them (A)/ programme that aims at form a grammatically and contextually
building, empowering (B)/the new initiative meaningful sentence.
“Microsoft Diversity Skilling” is a 10-month (C)/ and supporting women with digital education
to play a pivotal role in uplifting the and enabling them (A)/ programme that aims at
economy.(D)/ building, empowering (B)/ the new initiative
B. He also said that they intend to enhance the “Microsoft Diversity Skilling” is a 10-month (C)/
livelihood opportunities of women in a to play a pivotal role in uplifting the
disadvantageous position and has scant economy.(D)/
exposure to technical skills and knowledge, A. CBAD
through this programme. B. ABCD
C. The initiative will develop four courses that C. DABC
will emphasise on Employability, D. BACD
Entrepreneurship, English learning and Digital E. No rearrangement required
Productivity
D. The Andhra Pradesh State Skill 10.Which one of the following is the ‘Third’
Development Corporation (APSSDC) has sentence after rearrangement?
collaborated with the National Skill A. E
Development Corporation and Microsoft to B. A
launch a new skilling initiative to empower C. C
women across the State. D. B
E. Women in the 16 to 35 age group are eligible E. D
to apply for this programme,as said by S.
Satyanarayana, Managing Director of the 11. Which one of the following is the
APSSDC. ‘Penultimate’ sentence after rearrangement?
8. Which one of the following is the ‘First’ A. E
sentence after rearrangement? B. A
A. E C. C
B. A D. B
C. C E. D
D. B
E. D 12. Which of the following statements is
grammatically incorrect?
A. E
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B. A D. B
C. C E. D
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Answer Key with Explanation

1. Answer: D Options (A) and (D) - tell us what would happen


Options (A) and (B) both are out of context if banks sell their NPAs to NARCL
Option (C) - NARCL will not recover Rs. 2 lakh Option (C) – only reiterates the given statement
crore stressed assets yet but its purpose is to Option (B) – justifies the given statement
buy these value assets from the banks (When banks are dealing with bad loans, their
Option (D) - it is mentioned in the passage (If it capital and management bandwidth gets tied up
manages to recover something from the bad and they go slow on lending).
loans, banks which sold them will get a direct (Banks are expected to pursue recoveries on
bottom line boost. Given that NARCL is only more recent loans and to lend, instead of
going to take over fully provided-for loans, it will chasing chronic defaulters)
take them over at an 80-90 per cent haircut. It
will not be required to immediately fork out 4. Answer: D
cash. It will pay the banks 15 per cent of the Option (A) – is opposite to the context of the
value upfront, paying the balance in Security passage
Receipts (SRs), which will be redeemed as and (The government will not directly spend
when recoveries are made against the loans). taxpayers’ money to again recapitalize banks)
Options (B) and (C) – both are out of context
2. Answer: E Option (D) – is mentioned in the passage
After reading the passage carefully, we can (The government has now offered to make up
come to this conclusion. for the shortfalls between the value of these
(When a bank accumulates too many loans on SRs and the actual recoveries up to a sum of
which borrowers are dodging payments, it ₹ 30,600 crore. This will make the SRs more
thinks of shoving these loans on to a ‘bad bank’ valuable for banks holding them and they may
so that it can start off with a clean slate). get to cash out too)

3. Answer: B 5. Answer: D

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Option (C) – is opposite to the context of the Microsoft to launch a new skilling initiative to
passage. Bad bank is not made to increase the empower women across the State.
problem of bad debts but to resolve it. Sentence “A” on arranging gives us the direct
Options (A) and (B) – both are correct options. information about the new initiative “Microsoft
They support the context of the passage, that Diversity Skilling”, it did not introduce any
the bad bank is tasked to acquire bad debts reasons and whereabouts of the course; thus it
form several banks. cannot be the first sentence of the passage.
(When a bank accumulates too many loans on Sentence “C” & “E” gives further information
which borrowers are dodging payments, it about the programme, without mentioning why
thinks of shoving these loans on to a ‘bad bank’ this course was introduced. Lastly, the
so that it can start off with a clean slate) sentence “B” starts with the pronoun, “He also
said” from which we can infer that the speaker
6. Answer: C has already spoken previously. Thus all these
The correct statement is- Since enhanced credit sentences cannot be the first sentence of the
flow is a key to quick recovery from covid, a passage. Finally, we are left with option “D”
spring – cleaning of bank balance sheets is in which is an independent sentence and it
order introduces the main idea of the passage, i.e., “to
launch a new skilling initiative to empower
7. Answer: C women across the State”. Thus it will be the first
Meaning of “nudging”- push (someone / sentence of the passage.
something) gently or gradually and gently
encourage (someone) to do something 9. Answer: A
Except option (C), all are synonyms of The correct arrangement is:
“nudging” The new initiative “Microsoft Diversity Skilling” is
Meaning of “Dissuade”- persuade (someone) a 10-month programme that aims at building,
not to take a particular course of action empowering and supporting women with digital
education and enabling them to play a pivotal
8. Answer: E role in uplifting the economy.
sentence D
The correct arrangement is DACEB 10. Answer: C
The Andhra Pradesh State Skill Development Sentence C
Corporation (APSSDC) has collaborated with The correct arrangement is DACEB
the National Skill Development Corporation and

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The initiative will develop four courses that will In this sentence the notes of the managing
emphasise on Employability, Entrepreneurship, director of APSSDC are being presented, which
English learning and Digital Productivity. are coherent with the third line and tell us more
The first sentence gives us a general idea of the about the course. The other sentence starts
course, the second sentence gives us with “He also said that” so this can not be the
information about the duration and the name of fourth sentence of the passage, as it extends
the course and its benefits, and the third the idea of the previous line.
sentence tells us the major areas the course will
focus on. Thus we can correlate the lines to 12. Answer: D
form coherent sentences. Sentence B
There should be “have” in place of “has”, as the
11. Answer: A auxiliary very stands for the word “women”
Sentence E which is plural.
The correct arrangement is DACEB He also said that they intend to enhance the
Women in the 16 to 35 age group are eligible to livelihood opportunities of women in a
apply for this programme,as said by S. disadvantageous position and havescant
Satyanarayana, Managing Director of the exposure to technical skills and knowledge,
APSSDC. through this programme.

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