English Quiz For Upcoming Exam

Directions (Q. 1-5): Rearrange the following six sentences (A), (B), (C), (D), (E) and (F) in the proper sequence to form a meaningful paragraph and then answer the questions given below.

(A) The basic infrastructure at various branches/ offices, at present, however, is not capable of supporting such system, which is dependent upon sophisticated communication system

integrated with computers.

(B) Electronic fund transfer mechanism involving inter-bank funds settlement at the national level has come up only recently as an aftermath of the recommendations of the Saraf Committee on technology issues in the payment and settlement system constituted by the RBI in 1994.

(C) It had suggested that high-value institutional funds transfer should be batched every hour.

(D) The Saraf Committee had suggested a hybrid system, both paper and electronic media, for message transmission.

(E) Electronic fund transfer facilitates quick movement of funds through electronic media.

(F) Due to these factors, the EFT system introduced by the RBI is largely built around the existing infrastructure for cheque clearing.

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English Quiz For Upcoming Exam 2015

Directions (Q. 1-10): Read the passage carefully and answer the questions given below it. Certain words/ phrases are given in bold to help you locate them while answering some of the questions.

The RBI orders a moratorium when a bank’s financial stability is threatened. Depositors face some restrictions on withdrawing money from their accounts during this period. Currently the restriction is confined to premature withdrawal of FDs in case of Kapol Bank. Customers can still withdraw money from their savings and current accounts. However, the Banking Regulation Act has provisions for relief to customers facing a financial emergency. “Banks’ administrative board can approach the RBI with a plea for relaxing the withdrawal limits in case of account holders such as those who have saved or deposited money for their medical treatment or educational purpose and pensioners,” says VN Kulkarni, chief credit counsellor with the Bank of India-backed Abhay Credit Counselling Centre.

Since one cannot do much after the bank gets into trouble or the RBI comes into the picture, it would be wise to take some precautions. “Depositors need to be selective not only in choosing the bank, but also in depositing the amount using different combinations,” says Kulkarni. For instance, you can maintain the first deposit in your name, held jointly with your spouse or children. Similarly, the second joint FD could be created with your wife as the first holder. This will help you benefit from the deposit insurance cover extended to retail depositors.

Currently, deposits are insured up to `1 lakh per bank, and not per branch of the same bank. You can also look at maintaining FDs in more than one bank to spread out the risk.

However, this may not be feasible for some individuals. For instance, a retiree who wishes to invest her huge retirement corpus in FDs. “It is not feasible to split a huge amount of, say, `50 lakh into 50 deposits with different banks. Senior citizens have to strike a balance between convenience, risks and higher returns that some of the smaller banks offer,” says Suresh Sadagopan, certified financial planner and founder, Ladder7 Financial Advisories. He recommends diversification by investing in fixedincome options like company FDs, non-convertible debentures (NCDs) as also more secure alternatives such as tax-free bonds and senior citizens savings scheme, which offers an interest rate of 9.2 % . You must also evaluate the bank’s credentials carefully before parking your money in it. “While selecting the bank, you need to ascertain its gross NPAs. It should be not higher than 5%. Similarly, ensure that your bank has adequate capital as prescribed by the regulators,” says Kulkarni. “That is, minimum 9% of risk-weighted assets, and at least 12%, in case of cooperative banks.” You will find this information in the balance sheets of banks.

1. What is the effect of a moratorium on a bank?

(A) Only senior citizens are allowed partial withdrawal of maturity amount for their medical treatment.

(B) Maturity amount is paid in instalments rather than in one lump sum.

(C) Certain restrictions are imposed on withdrawal of money from bank account.

1) Only (A)

2) Only (B)

3) Only (C)

4) Only (A) and (B)

5) All (A), (B) and (C)

2. Which of the following statements is based on the provisions related to bank deposits?

(A) Every branch of a bank allows insurance covers on deposits upto `1 lakh.

(B) FD can be maintained in more than one bank to spread out the risk with the exception of retirees

wishing to invest a very huge amount in FDs.

(C) Senior citizens are allowed extra risk cover and high returns on their fixed deposits.

1) Only (A) 

2) Only (B)

3) Only (C) 

4) Only (A) and (B)

5) Only (B) and (C)

3. Which of the following is not definitely true with respect to Kapol Bank?

1) It is a private sector bank.

2) At present, premature withdrawal of FD cannot be allowed.

3) Customers of this bank have been allowed withdrawal of money from their CASA.

4) There are no restrictions on withdrawal except of premature fixed deposits.

5) None of these

4. What care should be taken before depositing money with a bank? Answer in the context of the given passage.

(A) The NPA of the concerned bank is not higher than five per cent.

(B) The bank has adequate capital as per the provisions for the bank.

(C) There is a minimum 9% of risk-weighted assets (if the bank is other than a cooperative bank).

1) Only (A) and (B) 

2) Only (B) and (C)

3) Only (A) and (C) 

4) Only (C)

5) All (A), (B) and (C)

5. Find the statement which is not based on the facts mentioned in the passage.

1) Under certain circumstances, account holders facing financial emergency can be allowed

withdrawal of money beyond withdrawal limit as per the provisions laid down in the Banking

Regulation Act.

2) When the bank gets into trouble it is better for a depositor to be selective in both choosing the bank

and deposit ing the amount using different combinations.

3) When the financial stability of a bank is at stake the central bank orders a moratorium.

4) The central bank has ordered a moratorium on Kapol Bank.

5) None of these

Directions (Q. 6-8): Choose the word which is most similar in meaning to the word printed in bold as used in the passage.

6. Parking

1) removing 

2) depositing 

3) stopping

4) walking 

5) strolling

7. Picture

1) scene 

2) mainstream 

3) portrait

4) role 

5) forefront

8. Diversification

1) variegation 

2) homogenous 

3) allocation

4) division 

5) accumulation

Directions (Q. 9-10): Choose the word/group of words which is most opposite in meaning of the word/group of words printed in bold as used in the passage.

9. Threatened

1) warned 

2) jeopardised 

3) ensured

4) exposed 

5) vulnerable

10. Strike

1) maintain 

2) hit 

3) knock

4) lose 

5) smack

Answer:-

Q. 1 (3)	Q. 2 (2)	Q. 3 (1)	Q. 4 (5)	Q. 5 (2)
Q. 6 (2)	Q. 7 (1)	Q. 8 (1)	Q. 9 (3)	Q. 10 (4)

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English Quiz For Upcoming Exam

Directions (Q. 1-10): In the following passage, some of the words have been left out, each of which is indicated by a number. Find the suitable word from the options given against each number and fill up the blanks with appropriate words to make the paragraph meaningfully complete.

Rapidly growing cities in India have increased the demand for natural resources and (1) public services, including water supply. But (2) existing infrastructure is outdated and in desperate need of repair, where, according to the World Bank, about half the water supplied for domestic consumption is lost (3) internal leakages or theft. Other issues such as intermittent water supply (4) lack of water metering and, more importantly, loss of water (5) from unmetered supply, often (6) as free supply, are increasing. There is thus a growing need to (7) safe water on a continuous basis for all as a human right. (8) over 90 per cent of urban households in India have (9) to water supply services, this access is often not equal, not (10) and not safe.

1. 

1) primary 

2) basic 

3) useful

4) natural 

5) fundamental

2. 

1) again 

2) when 

3) non-

4) an 

5) the

3. 

1) after 

2) through 

3) in

4) with 

5) by

4. 

1) without 

2) against 

3) and

4) with 

5) for

5. 

1) arising 

2) coming 

3) generating

4) causing 

5) created

6. 

1) taken 

2) declared 

3) given

4) known 

5) camouflaged

7. 

1) channelise 

2) avail 

3) bring

4) provide 

5) manage

8. 

1) But 

2) Why 

3) Whilst

4) When 

5) Then

9. 

1) knowledge 

2) problem 

3) access

4) reach 

5) excess

10. 

1) sustainable 

2) confirmed 

3) supported

4) assisted 

5) granted

Q. 1 (2)	Q. 2 (5)	Q. 3 (2)	Q. 4 (4)	Q. 5 (1)
Q. 6 (5)	Q. 7 (4)	Q. 8 (3)	Q. 9 (3)	Q. 10 (1)

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English Quiz - SBI Prelims

Directions (Q. 1-10): In the following passage, some of the words have been left out, each of which is indicated by a number. Find the suitable word from the options given against each number and fill up the blanks with appropriate words to make the paragraph meaningfully complete.

Last April, the Allahabad High Court allowed the farmers’ writ pleas and (1) the project. It (2) that farmers who had received (3) for their land should either return the money and take back the land or willingly hand it over for the project. Around 140 farmers did not accept compensation. Those who did are in no condition to repay the amount, causing an (4) which the administration is (5) to break. After the (6) violence, the (7) have been peaceful, but the farmers complain they are being (8) by local (9) and officials to give up their land and (10) the protests.

1. 

1) enquired 

2) stalled 

3) interrogated

4) inspected 

5) checked

2. 

1) framed 

2) prayed 

3) rebuked

4) stipulated 

5) questioned

3. 

1) fee 

2) compensation 

3) benefit

4) profit 

5) premium

4. 

1) importance 

2) end 

3) agreement

4) interest 

5) impasse

5. 

1) struggling 

2) attacking 

3) tackling

4) prohibiting 

5) labouring

6. 

1) final 

2) initial 

3) late

4) leading 

5) starting

7. 

1) gossip 

2) condition 

3) protests

4) riot 

5) turmoil

8. 

1) helped 

2) rescued 

3) intimidated

4) praised 

5) protected

9. 

1) hawkers 

2) workers 

3) goons

4) friends 

5) person

10. 

1) forbid 

2) prohibit 

3) check

4) enforce 

5) discontinue

Answer:-

Q. 1 (2)	Q. 2 (4)	Q. 3 (2)	Q. 4 (5)	Q. 5 (1)
Q. 6 (2)	Q. 7 (3)	Q. 8 (3)	Q. 9 (3)	Q. 10 (5)

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English Quiz On Spotting Error : SBI PO Tier 1

Directions (Q. 1-5): Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. The number of that part is the answer. If there is ‘No error’, the answer is 5). (Ignore errors of punctuation, if any.)

1. 1) Singapore-headquarterd DBS Bank plans to open fifty branches in India / 2) over the next three years, / 3) a move aimed at benefit / 4) from the country’s new policy for foreign leaders. / 5) No error

2. 1) If the sky-high prices of gold and silver has stood / 2) in the way of your acquiring / 3) these precious metals, / 4) here is a way out. / 5) No error

3. 1) The telecom department has set a deadline / 2) for mobile phone companies to submit supporting documents / 3) failing which a peak penalty / 4) would apply for delays before 30 days. / 5) No error

4. 1) Inspired by the belief that the right kind of education can help overcome / 2) issues of poverty, citizenship, and employment development, / 3) Colbert’s model placed children at / 4) the very heart of education. / 5) No error

5. 1) Historically rich and culturally diverse, / 2) London will not only provide you a world-class education / 3) but also enrich your life / 4) in so much different ways. / 5) No error

Directions (Q. 6-10): In the following questions, a sentence has been given with some of its parts in bold. To make the sentence grammatically correct, you have to replace the bold part with the correct alternative given below. If the sentence is correct as it is, give 5) as your answer (ie No correction required).

6. It is historically false to ascribe to Patel achievements which were not his and absolve him from responsibility which indisputably fell on him.

1) absolving him from 

2) absolve him of

3) absolving him with 

4) absolve him by

5) No correction required

7. Government’s plan to construct law for communal violence runs into trouble as political parties and civil society groups question its provisions and timing.

1) frame law for 

2) make law about

3) enact law against 

4) form law at

5) No correction required

8. Though CBI has been unable to nail the accused, its invest igati ons have completely ruled out  t he possibility of outsiders have killed Arushi and domestic help Hermraj.

1) being kill 

2) has killed 

3) having killed

4) was killed 

5) No correction required

9. The murder of five girls has puzzled police, who is now investigating into all angles in the case.

1) who are now investigating

2) who is now investigating

3) who is now investigating about

4) which is now investigating regarding

5) No correction required

10. India declared a five-day state mourning as a marks of respect to Nelson Mandela.

1) sign of regards 

2) a mark for respect

3) an emblem of honour 

4) a mark of respect

5) No correction required

Answer:-

1. (3); Replace ‘benefit’ with ‘benefitting’

2. (1); Replace ‘has’ with ‘have’

3. (4); Replace ‘before’ with ‘beyond’

4. (5);


5. (4); Replace ‘much’ with ‘many’

Q. 6 (2)

Q. 7 (3)

Q. 8 (3)

Q. 9 (1)

Q. 10 (4)

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English Quiz - SBI PO Mains 2015

Directions (Q. 1-5): Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. The number of that part is the answer. If there is ‘No error’, the answer is 5). (Ignore errors of punctuation, if any.)

1. 1) In fact, the human civilisation is / 2) the history of man’s growth / 3) control over / 4) the sources of energy. / 5) No error

2. 1) We all know that steam engine / 2) marks an epochal change in the production capacity / 3) and thus the beginning / 4) of modern capitalist world. / 5) No error

3. 1) United States of America has not blacklisted India as a priority foreign country / 2) in its report on the intellectual property regime / 3) of trading partner despite strong demands / 4) from its pharmaceutical companies. / 5) No error

4. 1) In Beijing recently, smog had become / 2) so thick that virtual sunrise / 3) was arranged on huge TV screens / 4) across the city. / 5) No error

5. 1) It is said that Prometheus gave the power / 2) over fire to man after creating him / 3) from water and earth because he had become fond of men / 4) than the king of gods, Zeus, had anticipated. / 5) No error

Directions (Q. 6-10): Each question below has two blanks, each blank indicating that something has been omitted. Find out which option can be used to fill up the blank in the sentence in the same sequence to make it meaningfully complete.

6. Indian policy makers have a difficult task of ________ Indian economy ________ a higher growth.

1) recoiling, on 

2) reviving, across

3) recuperating, about 

4) backfiring, for

5) rebounding, along

7. The industrial, agricultural, commercial and public services ________ a significant proportion of electricity for ________ their demand for final energy.

1) exhaust, accomplishing

2) consume, meeting

3) utilise, conforming

4) expend, completing

5) absorb, meeting

8. The ________ of three pill ars of sustainable development in public policies in a balanced measure is a difficult ________.

1) collection, duty           

2) association, function

3) integration, exercise   

4) combination, undertaking

5) group, act

9. Apart from reviewing the party’s _______ showing, ________ would be fixed on those who worked against the party’s interest.

1) dismal, accountability

2) formal, responsibility

3) outstanding, culpability

4) national, reasons

5) brilliant, answerability

10. The regulatory agencies must be knowledge-based, _______, independent and ________ for their actions to Parliament. 

1) clear, culpable

2) functional, obliged

3) active, innocent

4) transparent, accountable

5) questionable, unreliable

Answer:-
1. (2); Replace ‘growth’ with ‘growing’

2. (2); Replace ‘marks’ with ‘marked’

3. (1); Add ‘The’ before ‘United’

4. (5)

5. (3); Replace ‘fond’ with ‘fonder’

Q. 6 (5)

Q. 7 (2)

Q. 8 (3)

Q. 9 (1)

Q. 10 (4)

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English Quiz On Close Set | SBI PO Mains 2015

Directions (Q. 1-10): In the following passage, some of the words have been left out, each of which is indicated by a number. Find the suitable word from the options given against each number and fill up the blanks with appropriate words to make the paragraph meaningful.

The economic history of India shows a number of distinct phases over the period it fell under the colonial control to the modern times when it ( 1 ) on economic reforms. Before the formal onset of the British colonial rule in India after the Battle of Plassey in 1757, India was among

the richest ( 2 ) of the world. According to some ( 3 ), during the Mughal period India was the second-largest economy having a share of almost 25 per cent of the world economy. Two centuries of the ( 4 ) British colonial rule led to India’s wealth being ( 5 ) away and the process of ‘deindustrialisation’ taking a heavy ( 6 ) on the people of India. The great nationalist leader Dadabhai Naoroji was the first person to systematically highlight this ( 7 ) of the colonial ( 8 ).His analysis laid the theoretical ( 9 ) for the freedom struggle ( 10 ) in India’s independence in 1947.

1. 

1) ceased 

2) dissented 

3) embarked

4) launched 

5) stopped

2. 

1) metropolitan 

2) continents 

3) provinces

4) states 

5) countries

3. 

1) appraisal 

2) estimates 

3) evaluation

4) belief 

5) thought

4. 

1) crafty 

2) unworthy 

3) scandalous

4) exploitative 

5) sinister

5. 

1) drained 

2) depleted 

3) hacked

4) dragged 

5) washed away

6. 

1) demand 

2) taxation 

3) toll

4) price 

5) cost

7. 

1) face 

2) demeanour 

3) attitude

4) countenance 

5) aspect

8. 

1) payoff 

2) exploitation 

3) corruption

4) offence 

5) nepotism

9. 

1) basement 

2) groundwork 

3) justification

4) foundation 

5) authority

10. 

1) culminating 

2) crowning 

3) converting

4) sustaining 

5) dreaming

Answer:-

Q. 1 (3)	Q. 2 (5)	Q. 3 (2)	Q. 4 (4)	Q. 5 (1)
Q. 6 (3)	Q. 7 (5)	Q. 8 (2)	Q. 9 (4)	Q. 10 (1)

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Smarmy (Adjective)

Definition: (adjective) Hypocritically, complacently, or effusively earnest.

Synonyms: fulsome, oleaginous, unctuous

Usage: His smarmy speech left no doubt that he actually felt superior to those he was meant to be praising.

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English Quiz on Reading Comprehension for SBI PO Mains 2015

Directions (Q. 1-10): Read the passage carefully and answer the questions given below it. Certain words/phrases are given in bold to help you locate them while answering some of the questions.

The Expert Committee formed under the supervision of Reserve Bank of India (RBI) Deputy Governor, Urjit Patel, released their report to revise and strengthen the monetary policy framework, earlier this year. Since then, the report has been heavily discussed and debated in academic and policy circles. It recommends a fundamental change in the way monetary policy is conducted in India. The one recommendation that has been the main talking point so far is the adoption of a flexible inflation target. Here we attempt to analyse this particular recommendation of the committee against the backdrop of the current Indian economic scenario.

Monetary policy in independent India has evolved substantially over the past several decades. India adopted widespread liberalisation, privatisation, and deregulation reforms in the early 1990s. During the post-liberalisation period running up to the present time, the RBI has been following a multiple-indicator approach for executing monetary policy. In this approach, information is gathered on various macroeconomic indicators such as output, trade, credit, inflation rate, exchange rate, capital flows etc. Thereafter, monetary policy is designed to fulfil the multiple objectives of increasing employment, closing the gap with potential output, moderating inflation, stabilising exchange rate and so on.

This kind of multiple-indicator approach, however, lacks a nominal anchor or a specific target perse and hence it may be argued that it is less likely to be effective in achieving all the objectives at the same time. Such an approach makes the monetary policy highly discretionary and runs the risk of sending confusing signals to market participants as well as corporations.

In India, the multiple-indicator approach of the monetary policy worked relatively well, especially between the late 1990s and late 2000s when Indian GDP was growing at a healthy and robust rate of close to 10 per cent or more, and inflation (measured by the wholesale price index or WPI) was moderate at around 5-6 per cent. This was also the time when all was apparently well in the global economy, which was going through a phase of relatively low output volatility.

1. Which of the following statements is contrary to the facts mentioned in the given passage?

1) The Urjit Patel committee report has expressed resentment with the way monetary policy is conducted in India. 

2) India’s economy experienced a much better GDP growth rate between the late 1990s and late 2000s.

3) A lot of monetary policy changes have taken place in post-independent India.

4) Between the late 1990s and the late 2000s, contrary to India, the global economy was passing through a phase of financial crisis.

5) All the above

2. Why was the Urjit Patel committee set up? Reply in the context of the passage.

1) The Urjit Patel Committee was set up to provide expert opinion on how to cut rates to strengthen the economy.

2) The Urjit Patel committee was set up to receive suggestions for issuing banking licences to private players.

3) The Urjit Patel Committee report was set up to provide expert opinion on how to contain inflation in a short time.

4) The Urjit Patel Committee was set up to suggest steps to restructure the monetar y policy to strengthen the economy.

5) None of these

3. What is the meaning of the phrase ‘flexible inflation target’ as used in the given passage?

1) Flexible inflation target means to calculate core inflation on the basis of variable CPI for certain goods and services.

2) Flexible inflation target means the policy rate set up by the central bank so as to stablilise inflation around the targeted rate and also stabilise the real economy.

3) Flexible inflation target means the target set by the central bank by which it tries to bring inflation back to the targeted rate after a deviation.

4) Flexible inflation target is a forecast published by the RBI in respect of the policy rate and inflation for bringing real economic stability.

5) None of these

4. Which of the following is not true on the basis of the given passage?

(A) The economic growth pick-up in India began a full decade prior to the liberalising reforms in the 1990s.

(B) The current monetary policy is based on the information collected about many different

macroeconomic indicators.

(C) Monetary policy is designed to collect a huge amount of revenue to meet  various govt

expenditures.

1) Only (A) and (B) 

2) Only (B) and (C)

3) Only (A) and (C) 

4) Only (B)

5) Only (A)

5. What is/are the reasons for criticism against multiple-indicator approach?

(A) Multiple-indicator approach is based on the information about many indicators.

(B) Multiple-indicator approach has very little chance of achieving all the fixed goals.

(C) Multiple-indicator approach is likely to send confounding signals to stakeholders.

1) Only (A) and (B) 

2) Only (A) and (C)

3) Only (B) and (C) 

4) Only (B)

5) All (A), (B) and (C)

Directions (Q. 6-8): Choose the word/group of words which is MOST SIMILAR in meaning to the word/group of words printed in bold as used in the passage.

6. Perse

1) by word 

2) mentioned 

3) as such

4) accordingly 

5) together

7. Volatility

1) dryness

2) effervescence 

3) levity

4) insecurity 

5) instability

8. Backdrop

1) framework 

2) circumstances 

3) credentials

4) drawbacks 

5) tradition

Directions (Q. 9-10): Choose the word/group of words which is MOST OPPOSITE in meaning of the word/group of words printed in bold as used in the passage.

9. Moderating

1) rising 

2) subsiding 

3) allaying

4) easing off 

5) lessening

10. Discretionary

1) elective 

2) facultative 

3) open to choice

4) restricted 

5) optional

Answer:-

Q. 1 (4)	Q. 2 (4)	Q. 3 (2)	Q. 4 (3)	Q. 5 (3)
Q. 6 (3)	Q. 7 (5)	Q. 8 (2)	Q. 9 (1)	Q. 10 (4)

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