English MCQs & Quizzes

2021-11-20 08:33:46 READING COMPREHENSION

Read the following passage carefully and answer the questions given below. There are certain words in the passage printed in bold letters to lead you to find them out easily in order to help you in answering some of the questions.

Public sector banks are back in focus, not for the steep rise in bad loans, but for customer complaints against them. At first glance, the Reserve Bank of India’s annual report on the Banking Ombudsman Scheme reveals that customers of PSBs had a litany of grievances, while patrons of private and foreign banks were quite content with the services offered to them. But one reason why PSBs account for about 65 per cent of the complaints is that these banks have a lion’s share — about three-fourths — of the loans and deposits in the banking system.

If we consider the number of complaints per account or branch, nationalised banks, surprisingly, have fewer complaints than their private and foreign counterparts. Complaints from the rural and semi-urban population have witnessed an increase, implying the wider participation from these segments. But there is a lack of awareness about the ombudsman scheme or lack of access to it in these regions. While they account for about two-thirds of the bank branches in India, less than 30 per cent of the complaints were lodged from here.

Reporting such numbers only scratches the surface of the problem. The ombudsman scheme, which was launched two decades ago to provide a free grievance redress system in the face of rising complaints against banks, will now have to use the data to improve its functioning. Both the Centre and the regulator also need to act on longstanding grievances. For years now, debit/credit card operations (21 per cent of complaints) and unfair banking practices (29 per cent) have made up a large chunk of the complaints. Customers have had a laundry list of woes regarding failure of withdrawals from ATMs, issue of unsolicited cards and insurance policies, and banks’ non-adherence to ‘fair practices’ or BCSBI (Banking Codes and Standards Board of India) codes.

The BCSBI was set up a decade ago to supplement the ombudsman scheme. Hence, the wide non-adherence to these codes on the part of banks is inexcusable. What it highlights is the need for the RBI to follow up more stringently on ensuring that banks conform to norms. Reviewing the scope of the ombudsman scheme and educating customers on the procedures to lodge complaints, will ensure that grievances that do find their way into the redressal system get resolved effectively. While the report shows that the scheme disposed 96 per cent of the complaints in 2014-15, rejections were as high as around two-thirds, because the solution to many of the grievances fell outside the jurisdiction of the banking ombudsman.

The RBI advisory that banks have an internal redress mechanism to deal with the issue first-hand will work only if the process is streamlined for better results.

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2021-11-20 08:29:40 CLOZE TEST SET 2

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In the passage given below there are 5 blanks, each followed by a word given in bold. Even blank has four alternative words given in options (A),(B),(C) and (D). You have to tell which word will best suit the respective blank. Mark (E) as your answer if the work given in bold after the blank is your answer i.e “No change required”.

We are in a period of constant (1)_________ [balance]. Not just the Brexit outcome, or the victory of US President Donald Trump, or the mighty sweeping mandate of the Uttar Pradesh elections, but even the outcome of more mundane stuff like football matches and cinema awards is filled with unexpected drama these days.

The New England Patriots beat the Atlanta Falcons in a stunning last-minute comeback in the football Super Bowl last month. They were not supposed to win, and certainly not from a position of near-certain defeat. So also, at the Oscars, the wrong movie was announced as the winner of best picture. Such (2)_______ [outcomes] don’t happen, especially not at carefully choreographed and rehearsed events with billions watching on live television.

In this sequence, (3)______ [hire] up one more outcome at the G20 meeting of finance ministers in Germany last week. If there’s one thing that all G20 members agree to, it is commitment to free trade. In this meeting, the communiqué dropped the traditional pledge of G20 members against protectionism. This is the first time that commitment to free trade has been silently dropped, and it is obviously at the insistence of the US. The fact that the US view (4)______ [proved] over 19 other members, including the European Union, India and China, shows not just its own clout, but perhaps that other members also secretly subscribe to raising trade barriers. What is remarkable is that this G20 communiqué is so different from the one issued by it just six months ago in Hangzhou, China. That’s quite a turnaround, and protectionist sentiment might now snowball.

Indeed, in the seven years since 2010, the World Trade Organization (WTO) reports that protectionist measures have risen by 400%. According to the WTO, there are more than 2,200 measures in place worldwide which are anti-free trade in (5)_______ [texture] . These might be in the form of anti-dumping or safeguard duties, or compulsory domestic procurement requirements from governments, which put foreign competitors at a disadvantage, and thus curb free trade. This trend will probably accelerate as countries pursue copycat protectionist policies.

1.A) equilibrium
B) unpredictability
C) hesitation
D) calmness
E) No change required


2.A) reaction
B) conclusion
C) source
D) risk
E) No change required

3.A) specify
B) notch
C) catch
D) predict
E) No change required

4.A) forfeited
B) surrendered
C) prevailed
D) curb
E) No change required

5.A) temper
B) exteriors
C) nature
D) mode
E) No change required Open / Comment

2021-11-20 08:29:13 PARA JUMBLE

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A. While the reference point for the former is the state, for the latter it’s society.

B. India’s ‘strategic community’ comprises two distinct circles with little overlap.

C. Consequently, mainstream strategists have an external orientation to their discourse, concentrating on high politics; the latter is more internal oriented.

D. Their prescriptions too are understandably poles apart and thus, the state, to which both their commentary is directed, has to play balancer, and ends up being at the receiving end of criticism from both sides.

E. Out of the two, one can be termed the ‘mainstream’ and the other ‘alternate’.

F. To further elaborate on the external and internal concept-while one is enamoured of India’s rise and place in the global order, the other is more sensitive to its vulnerabilities and inadequacies.

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2021-11-17 16:54:04 SBI CLERK CUT- OFF

UP = 95.75
Rajasthan= 94.25
Haryana = 99.5
Punjab= 94.5
Gujrat = 87
West bengal = 95.25
Odisha = 95.50
Himachal = 99.50
Maharashtra = 88.25
Chattisgarh = 94.75
Telangana = 94
Uttarakhand = 96.25
Madhya Pradesh = 97.75
︗︗︗︗︗︗︗︗︗︗︗︗︗︗
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2021-11-17 16:31:23 SBI CLERK MAINS 2021

FINAL RESULT - Roll Numbers of Provisionally Selected Candidates for Appointment Open / Comment

2021-11-17 16:31:23 SBI CLERK MAINS RESULTS OUT!!

https://bank.sbi/web/careers/crpd-cr-2021-22-09 Open / Comment

2021-11-17 08:06:11 According to the passage, Which of the following is not true?

(1) Bangalure is a talent pool.
(2) Recently Bangalore flaged off 18th edition of Bagaluru ITE biz 2015.
(3) Siddaramaiah made a committee to startup which gives a unique idea how to start business.
(4) Karnataka will create 6 lakh direct and 12 lakh indirect job.
(5) None of these

According to the passage Which of the following is true?

(1) Tech Savy of Karnataka will incubate about 20,000 start-up by 2030.
(2) The start-up policy is the outcome of the state government Karnatak 1-4 intitative lauched 2014.
(3) Bengalure has distinction of being the Country’s largest I.T Cluster with 350 of fortune 600 firm.
(4) Country’s first electronic city was setup 1990.
(5) None of these

Which of the following would be the suitable title?

(1) Bangaluru intiative in providing job
(2) Tech-Savy Karnataka
(3) Karnataka is best in start-up policy.
(4) Karnataka's intiative to incubate entrepreneurs.
(5) No business in karnataka

According to author what we can say about Karnataka?

(1) Karnataka is growing fast and implementing new policies day by day.
(2) Karnataka chief minister is very knowledgeable and loyal towards his constituency.
(3) Karnataka wants to promote entrepreneurship with creative idea including manufacturing, I.T. and biotechnology all together.
(4) Karnataka is best place startup policy which is outcome of state government 1-4 intiative
(5) None of these

Directions (5 - 7) : Choose the word which is most OPPOSITE in meaning of the word printed in bold as used in the passage.

Ventures

(1) Jeopard
(2) hazard
(3) peril
(4) gamble
(5) shield

Bellwethers

(1) leader
(2) Pacer
(3) pacemaker
(4) trend seffer
(5) imitate

Incubate

(1) Endorse
(2) uphold
(3) patronize
(4) underwrite
(5) hinder

Directions (8 - 10) : Choose the word which is most similar in meaning of the word printed in bold as used in the passage

Innovation

(1) clone
(2) copy
(3) wrinkle
(4) replica
(5) facsimile

Foster

(1) forbid
(2) snuff
(3) suppress
(4) oppose
(5) boost

Enable

(1) disenfranchise
(2) impede
(3) preclude
(4) vest
(5) veto Open / Comment

2021-11-17 08:06:11 READING COMPREHENSION

Read the following passage carefully and answer the questions given after the passage. Certain words/phrases have been printed in bold to help you locate them while answering some of the questions.


The tech-savy state of Karnataka will incubate about 20,000 start-ups by 2020 to create six lakh direct and 12 lakh indirect jobs, Chief Minister Siddaramaiah said on Tuesday.
"We are setting up a start-up cell as a one-stop-shop to help young entrepreneurs float start-ups and guide them in launching their ventures as they will have little knowledge of corporate affairs," Siddaramaiah said, flagging off the 18th edition of Bangalore ITE.biz 2015 here.

The Karnataka government has recently unveiled a start-up policy 2015-2020 to promote entrepreneurship, set up incubation centres, foster partnerships between research and development (R&D) and industry and provide early stage funding to start-ups.
"With hundreds of entrepreneurs with creative ideas setting up start-ups here, Bengaluru is emerging also as the country’s start-up capital over a decade after it became IT capital," the chief minister asserted.

Noting that the start-up policy covered information technology, biotechnology and manufacturing sectors, Siddaramaiah said a start-up council under his chairmanship would review implementation of the policy on a regular basis for feedback and suggestions.

The start-up policy is the outcome of the state government’s ‘Karnataka I-4’ initiative launched in 2014, spanning IT, IT-enabled services (back office and business process outsourcing), innovation and incentives.

The three-day annual event showcases the state’s prowess in the knowledge sector, with over 2,000 firms, including 500 global IT majors, multinationals and offshore software development centres for services and products, operating from in and around this tech hub, providing 1.5 million direct jobs and 2.5 million indirect jobs.

"Bengaluru has the distinction of being the country’s largest IT cluster, with 350 of the Fortune 500 firms locating their R&D and offshore development operations, thanks to its talent pool, research and academic institutions in the government and private sectors and best higher education system, including universities," the chief minister told about 500 delegates at the inaugural event.

The country’s first electronic city, which was set up in the 1980s on the outskirts of southern Bengaluru across 400 acres of land, has become a major hub for about 200 software and hardware firms, including home-grown Indian IT bellwethers like Infosys and Wipro.

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2021-11-16 07:57:23 READING COMPREHENSION

Read the following passage carefully and answer the following questions given below it.

Indian officialdom has all but acknowledged what many suspected all along — that there is something amiss about the growth narrative. A lowering of the projections made in the Economic Survey, from 8.1-8.5 per cent to 7.5 per cent, hardly comes as a surprise, given a 14 per cent deficient monsoon, persistently negative exports and indifferent industrial growth. The finance ministry expects a ?50,000-crore shortfall in revenue collections, against the budgeted estimate of ?14.5 lakh crore.

It has promised that the fiscal deficit target of 3.9 per cent of GDP will be adhered to, without serious cutbacks in expenditure. Indeed, while the Budget rightly prioritises capital spending in infrastructure, setting aside some ?70,000 crore, it is worth considering whether a larger sum is needed to get the investment cycle going — even if this entails a small deviation from the fiscal deficit target. The Reserve Bank of India’s Monetary Policy Report released a few days ago says, “the outlook for investment demand remains lacklustre with a shrinking pipeline of greenfield projects, lack of forward movement in the brownfield pipeline,… persisting under-utilisation of capacity and build-up of finished goods inventories”.

The RBI has “frontloaded” its rate cuts and is helping banks deal with stressed assets so that they can lend freely. But that may not be enough to spur investment, given the poor demand impulses, borne out by flat tractor and auto sales, and the stock of unsold homes. There can be no better time than now to impart an intelligent, rather than populist, fiscal stimulus — with inflation under control and oil prices not posing pressures on the subsidy front.

The Centre has rightly sought to address the lack of ‘ease in doing business’. This should be persisted with, even if it meets with resistance from the bureaucracy and even a section of industry which has learnt to work the system, regarding it as a useful entry barrier! A trade policy that prevents haemorrhaging of small- and medium-scale units, particularly in the capital goods sector, must be worked out for ‘Make in India’ to become a reality. A demand-led emphasis must be one that promotes labour-intensive industry.

Demand deficiency should be viewed as a structural problem, rather than one that results from episodes of monsoon failure or external shock — even if our poverty rates (12.4 per cent, according to the latest World Bank estimate) are on the decline.If a fiscal push is given, it should go beyond physical infrastructure and focus on two rather neglected areas: agriculture and education. Reforms in the education sector are crucial to improve labour productivity. This calls for a more thorough approach than the twin slogans of ‘Skill India’ and ‘Digital India’ suggest.

Agriculture needs a switch towards cropping patterns that are in tune with soil and climatic conditions, with the requisite infrastructure and extension services in place. In sum, ‘growth’ could do with considering smarter, more holistic policies than we have seen so far.

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2021-11-16 07:53:15 CLOZE TEST SET 1

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In the passage given below there are 5 blanks, each followed by a word given in bold. Even blank has four alternative words given in options (A),(B),(C) and (D). You have to tell which word will best suit the respective blank. Mark (E) as your answer if the work given in bold after the blank is your answer i.e “No change required”.



We wake up from bed. (1)_______ [choose] up our smartphone, get onto social media and start (2)_______ [access] posts on one platform after another. We could well be checking Twitter or WhatsApp countless times every hour. We keep looking for (3)______ [creditability] of our existing investment ideas, reinforcement of our beliefs and seek insights into peer ideas. Most investors now spend the mornings only on social media. It is almost an addictive habit. Most time seems to be spent (4)_______ [pretending] what others are doing. Others are also (5)______ [depressed] to share information that lets us know what they are doing. They want us to know what they are thinking.

1.A) select
B) pick
C) raise
D) dress
E) No change required

2.A) treating
B) remembering
C) reading
D) impressing
E) No change required

3.A) significance
B) location
C) mention
D) tribute
E) No change required

4.A) hiding
B) observing
C) memorizing
D) alerting
E) No change required

5.A) happy
B) disturbed
C) troubled
D) vital
E) No change required Open / Comment