ENGLISH - Online Test
Q1.
Direction: Read the passage carefully and answer the questions that follow.
State Bank of India (or SBI) is India’s largest public sector bank, and a Fortune 500 company. It has now branched into various financial services, and is a government-owned corporation headquartered out of Mumbai. As of 2014-15, SBI had assets worth Rs. 20,480 billion and was ranked 232rd on the Fortune Global 500 list of the world’s biggest corporations as of 2016.SBI traces its roots back to 1806, making it the oldest commercial bank in the Indian subcontinent. The State Bank of India as it is today has been in existence since 1956. As on date, it has a market share of over a whopping 20 percent in deposits and loans among Indian commercial banks.SBI offers a range of banking products and services through its extensive branch network, which includes products targeted at resident Indians as well as non-resident Indians (or NRIs).In addition to its five associate banks, the SBI also operates in the non-banking sphere which includes credit cards, life and general insurance, funds management and capital markets among others.
What sets them apart from competition is the sheer reach that SBI offers, reaching out to potential home owners in semi-urban and rural areas in addition to metropolitan cities. Further, in keeping with the rapid technological development in the banking and financial services (BFSI) sector, the SBI has expanded its reach by offering services at the click of a button.SBI has a wide reach that is not spread only domestically but as well as in the overseas market. There are 14 regional hubs and over 57 zonal offices located in India. The number of bank branches has crossed 18,354 in India itself, and as of 2014-15, the Bank had 191 offices spread across 36 countries worldwide. It also operates several foreign subsidies or affiliates.When it comes to home loans, SBI offers various products, and all of these product offerings can be categorised as under:Home loans, which include options for new homes, resale (or pre-owned) homes, as well as construction of a house. It provides Loan for Earnest Money Deposit, which is to help individuals finance their requirements towards earnest money to book residential plots/ built-up housing uses, properties being sold by government housing agencies an urban development authorities and housing boards. Further, this loan can be repaid through the proceeds of the housing loan availed of from SBI.Takeover of home loans, which is a balance transfer facility to shift your existing home loan from scheduled commercial banks, or private and foreign banks and even housing finance companies (registered with the National Housing Bank) to SBI.Tribal Plus Scheme, which is a special housing finance scheme for the hill/ tribal areas of North East India and areas around Chandigarh, Bhopal, Lucknow, Patna and Bhubaneswar.HerGhar, loans exclusively for women home owners, offered at a concessional interest rate. FlexiPay Home Loan Scheme, which is targeted at young working professionals to ease the financial burden by offering attractive repayment options.In addition the SBI also caters to the NRI audience with a selection of housing loan product offerings.In keeping with the tradition of employing the latest technological advances, you can apply for a housing loan both at a SBI branch and online as well. SBI also has digital branches known as SBI InTouch, which offer an instant loan facility for home loans, among other products and services. Rewarding individuals for availing of a home loan, SBI has an attractive rewards programme called the State Bank Rewardz, which offers reward points as part of its Group Loyalty Programme. These points can then be redeemed upon accrual for various products and services, both offline as well as online.
Which of the following is a unique feature of FlexiPay Home Loan Scheme?
Answer : Option D
Explaination / Solution:
It can be inferred from the following statement of the passage, 'FlexiPay Home Loan Scheme, which is targeted at young working professionals to ease the financial burden by offering attractive repayment options.'
Q2. Direction: Read the sentence to find out whether there is any error in it. The error, if any, will be in one part of the sentence. If the given sentence is correct, the answer is 'no error'.
Under colonial rule, the life of pastoralists changed dramatically and / their grazing grounds shrink, / their movements were regulated,/ and the revenue they had to pay increased.
Under colonial rule, the life of pastoralists changed dramatically and / their grazing grounds shrink, / their movements were regulated,/ and the revenue they had to pay increased.
Answer : Option B
Explaination / Solution:
Words from the sentence like “changed”, “regulated” and “increased” indicate that the sentence is in the past tense. Hence, ‘shrink’ should be replaced by ‘shrank’.
Q3. Directions: In each question below is given a statement followed by two courses of action numbered I and II. A course of action is a step or administrative decision to be taken for improvement, follow-up or further action in regard to the problem, policy etc. On the basis of the information given in the statement, you have to assume everything in the statement to be true, then decide which of the suggested courses of action logically follows(s) for pursuing.
Statement: The number of dropouts in govt schools has significantly increased in the urban areas over the past few years
Courses of action
I. The govt should immediately close down all such schools in the urban areas where the dropout goes beyond 20 per cent.
II. The parents of all the students who dropped out of the govt schools in urban areas should be punished.
Courses of action
I. The govt should immediately close down all such schools in the urban areas where the dropout goes beyond 20 per cent.
II. The parents of all the students who dropped out of the govt schools in urban areas should be punished.
Answer : Option D
Explaination / Solution:
None course of action follows and government should take another step to discourage dropout in government schools.
Q4.
Directions: Read the following passage carefully and the questions given below it. Certain words/ phrases are given in bold to help you locate them while answering some of the questions.
The economy of India is the seventh-largest economy in the world measured by nominal GDP and the third-largest by purchasing power parity (PPP). The country is classified as a newly industrialised country, one of the G-20 major economies, an international forum for the governments and central bank governors from 20 major economies, a member of BRICS and a developing economy with an average growth rate of approximately 7% over the last two decades. Maharashtra is the wealthiest Indian state and has an annual GDP of US$220 billion, nearly equal to that of Portugal, and accounts for 12% of the Indian GDP followed by the states of Tamil Nadu (US$140 billion) and Uttar Pradesh (US$130 billion). India's economy became the world's fastest growing major economy in the last quarter of 2014, replacing the People's Republic of China. The long-term growth prospective of the Indian economy is positive due to its young population, corresponding low dependency ratio, healthy savings and investment rates, and increasing integration into the global economy. The Indian economy has the potentialto become the world's 3rd-largest economy by the next decade, and one of the largest economies by mid-century. And the outlookfor short-term growth is also good as according to the IMF, the Indian economy is the "bright spot" in the global landscape. India also topped the World Bank’s growth outlook for 2015-16 for the first time with the economy having grown 7.6% in 2015-16 and expected to grow 8.0%+ in 2016-17. India has the one of fastest growing service sectors in the world with annual growth rate of above 9% since 2001, which contributed to 57% of GDP in 2012-13. India has become a major exporter of IT services, BPO services, and software services with $167.0 billion worth of service exports in 2013-14. It is also the fastest-growing part of the economy. The IT industry continues to be the largest private sector employer in India. India is also the fourth largest start-up hub in the world with over 3,100 technology start-ups in 2014-15 the agricultural sector is the largest employer in India's economy but contributes to a declining share of its GDP (17% in 2013-14). India ranks second worldwide in farm output. The Industry sector has held a constant share of its economic contribution (26% of GDP in 2013-14). The Indian auto mobile industry is one of the largest in the world with an annual production of 21.48 million vehicles (mostly two and three wheelers) in FY 2013-14. India has $600 billion worth of retail market in 2015 and one of world's fastest growing E-Commerce markets. India's two major stock exchanges, Bombay Stock Exchange and National Stock Exchange of India, had a market capitalisation of US$1.71 trillion and US$1.68 trillion respectively as of Feb 2015, which ranks 11th & 12 largest in the world respectively according to the World Federation of Exchanges. India also home to world's third largest Billionaires pool with 111 billionaires in 2016 and fourth largest number of ultra-high-net-worth households that have more than 100 million dollars. India is a member of the Commonwealth of Nations, the South Asian Association for Regional Cooperation, the Non Aligned Movement, the G20, the G8+5, the International Monetary Fund, the World Bank, the World Trade Organisation, the United Nations, the Shanghai CooperationOrganisation, the New Development BRICS Bank the Asian Infrastructure Investment Bank and Missile Technology Control Regime.
Which is India’s wealthiest state and what is its GDP?
Answer : Option C
Explaination / Solution:
The answer can be clearly picked up from the passage. "Maharashtra is the wealthiest Indian state and has an annual GDP of US$220 billion".
Q5. Direction: Five statements are given below out of which one or more maybe grammatically incorrect. Identify the incorrect statement(s).
I. I remember meet him few months ago.
II. They told to me that I had performed really well.
III. He has eaten nothing since yesterday.
IV. Ultimately all these will be gone with the wind.
V. The purpose of this meeting is enclosed with the notice.
II. They told to me that I had performed really well.
III. He has eaten nothing since yesterday.
IV. Ultimately all these will be gone with the wind.
V. The purpose of this meeting is enclosed with the notice.
Answer : Option D
Explaination / Solution:
In sentence I, meeting should be used instead of meet.
In sentence II, "to" should not be used after told because the sentence is in indirect speech.
Q6.
Direction: Read the passage carefully and answer the questions that follow.
State Bank of India (or SBI) is India’s largest public sector bank, and a Fortune 500 company. It has now branched into various financial services, and is a government-owned corporation headquartered out of Mumbai. As of 2014-15, SBI had assets worth Rs. 20,480 billion and was ranked 232rd on the Fortune Global 500 list of the world’s biggest corporations as of 2016.SBI traces its roots back to 1806, making it the oldest commercial bank in the Indian subcontinent. The State Bank of India as it is today has been in existence since 1956. As on date, it has a market share of over a whopping 20 percent in deposits and loans among Indian commercial banks.SBI offers a range of banking products and services through its extensive branch network, which includes products targeted at resident Indians as well as non-resident Indians (or NRIs).In addition to its five associate banks, the SBI also operates in the non-banking sphere which includes credit cards, life and general insurance, funds management and capital markets among others.
What sets them apart from competition is the sheer reach that SBI offers, reaching out to potential home owners in semi-urban and rural areas in addition to metropolitan cities. Further, in keeping with the rapid technological development in the banking and financial services (BFSI) sector, the SBI has expanded its reach by offering services at the click of a button.SBI has a wide reach that is not spread only domestically but as well as in the overseas market. There are 14 regional hubs and over 57 zonal offices located in India. The number of bank branches has crossed 18,354 in India itself, and as of 2014-15, the Bank had 191 offices spread across 36 countries worldwide. It also operates several foreign subsidies or affiliates.When it comes to home loans, SBI offers various products, and all of these product offerings can be categorised as under:Home loans, which include options for new homes, resale (or pre-owned) homes, as well as construction of a house. It provides Loan for Earnest Money Deposit, which is to help individuals finance their requirements towards earnest money to book residential plots/ built-up housing uses, properties being sold by government housing agencies an urban development authorities and housing boards. Further, this loan can be repaid through the proceeds of the housing loan availed of from SBI.Takeover of home loans, which is a balance transfer facility to shift your existing home loan from scheduled commercial banks, or private and foreign banks and even housing finance companies (registered with the National Housing Bank) to SBI.Tribal Plus Scheme, which is a special housing finance scheme for the hill/ tribal areas of North East India and areas around Chandigarh, Bhopal, Lucknow, Patna and Bhubaneswar.HerGhar, loans exclusively for women home owners, offered at a concessional interest rate. FlexiPay Home Loan Scheme, which is targeted at young working professionals to ease the financial burden by offering attractive repayment options.In addition the SBI also caters to the NRI audience with a selection of housing loan product offerings.In keeping with the tradition of employing the latest technological advances, you can apply for a housing loan both at a SBI branch and online as well. SBI also has digital branches known as SBI InTouch, which offer an instant loan facility for home loans, among other products and services. Rewarding individuals for availing of a home loan, SBI has an attractive rewards programme called the State Bank Rewardz, which offers reward points as part of its Group Loyalty Programme. These points can then be redeemed upon accrual for various products and services, both offline as well as online.
If given a chance why would one prefer SBI for home loans?
Answer : Option D
Explaination / Solution:
The deciding factors while taking a home loan from any bank depend on its interest rates, hassle-free availability and benefits that can be obtained from it. These can be inferred from the last few lines of the passage. Option D describes it all so it is the most suitable response.
Q7. Direction: Read the sentence to find out whether there is any error in it. The error, if any, will be in one part of the sentence. If the given sentence is correct, the answer is 'no error'.
When fences came up, / the enclosed land became the exclusive property of one landowner and / the poor could no longer collect / there firewood from the forests, or graze there cattle on the commons.
When fences came up, / the enclosed land became the exclusive property of one landowner and / the poor could no longer collect / there firewood from the forests, or graze there cattle on the commons.
Answer : Option D
Explaination / Solution:
In the fourth part of the sentence, word ‘there’ will be replaced by ‘their’ as, the word ‘there’ denotes something in, at, or to that place or position whereas, ‘their’ denotes belongingness with that person. Here in the sentence firewood and cattle belongs to poor. Hence, ‘their’ should be used instead of ‘there’.
Q8. Directions: The following small paragraph followed by a question on it. Read each paragraph carefully and answer the question given below it:
The only true education comes through the stimulation of the child’s powers by the demands of the social situations in which he finds himself. Through these demands he is stimulated to act as a member of a unity, to emerge from his original narrowness of action and feeling, and to conceive himself from the standpoint of the welfare of the group to which he belongs.
The passage best supports the statement that real education-
The only true education comes through the stimulation of the child’s powers by the demands of the social situations in which he finds himself. Through these demands he is stimulated to act as a member of a unity, to emerge from his original narrowness of action and feeling, and to conceive himself from the standpoint of the welfare of the group to which he belongs.
The passage best supports the statement that real education-
Answer : Option D
Explaination / Solution:
comes through the interaction with social situations.
Q9.
Directions: Read the following passage carefully and the questions given below it. Certain words/ phrases are given in bold to help you locate them while answering some of the questions.
The economy of India is the seventh-largest economy in the world measured by nominal GDP and the third-largest by purchasing power parity (PPP). The country is classified as a newly industrialised country, one of the G-20 major economies, an international forum for the governments and central bank governors from 20 major economies, a member of BRICS and a developing economy with an average growth rate of approximately 7% over the last two decades. Maharashtra is the wealthiest Indian state and has an annual GDP of US$220 billion, nearly equal to that of Portugal, and accounts for 12% of the Indian GDP followed by the states of Tamil Nadu (US$140 billion) and Uttar Pradesh (US$130 billion). India's economy became the world's fastest growing major economy in the last quarter of 2014, replacing the People's Republic of China. The long-term growth prospective of the Indian economy is positive due to its young population, corresponding low dependency ratio, healthy savings and investment rates, and increasing integration into the global economy. The Indian economy has the potentialto become the world's 3rd-largest economy by the next decade, and one of the largest economies by mid-century. And the outlookfor short-term growth is also good as according to the IMF, the Indian economy is the "bright spot" in the global landscape. India also topped the World Bank’s growth outlook for 2015-16 for the first time with the economy having grown 7.6% in 2015-16 and expected to grow 8.0%+ in 2016-17. India has the one of fastest growing service sectors in the world with annual growth rate of above 9% since 2001, which contributed to 57% of GDP in 2012-13. India has become a major exporter of IT services, BPO services, and software services with $167.0 billion worth of service exports in 2013-14. It is also the fastest-growing part of the economy. The IT industry continues to be the largest private sector employer in India. India is also the fourth largest start-up hub in the world with over 3,100 technology start-ups in 2014-15 the agricultural sector is the largest employer in India's economy but contributes to a declining share of its GDP (17% in 2013-14). India ranks second worldwide in farm output. The Industry sector has held a constant share of its economic contribution (26% of GDP in 2013-14). The Indian auto mobile industry is one of the largest in the world with an annual production of 21.48 million vehicles (mostly two and three wheelers) in FY 2013-14. India has $600 billion worth of retail market in 2015 and one of world's fastest growing E-Commerce markets. India's two major stock exchanges, Bombay Stock Exchange and National Stock Exchange of India, had a market capitalisation of US$1.71 trillion and US$1.68 trillion respectively as of Feb 2015, which ranks 11th & 12 largest in the world respectively according to the World Federation of Exchanges. India also home to world's third largest Billionaires pool with 111 billionaires in 2016 and fourth largest number of ultra-high-net-worth households that have more than 100 million dollars. India is a member of the Commonwealth of Nations, the South Asian Association for Regional Cooperation, the Non Aligned Movement, the G20, the G8+5, the International Monetary Fund, the World Bank, the World Trade Organisation, the United Nations, the Shanghai CooperationOrganisation, the New Development BRICS Bank the Asian Infrastructure Investment Bank and Missile Technology Control Regime.
India has topped the World Bank’s growth outlook for 2015-16 with the economy having grown 7.6% in 2015-16. How much is it expected to grow in the coming year (2016-17)?
Answer : Option B
Explaination / Solution:
It is clearly mentioned in the passage, "India also topped the World Bank’s growth outlook for 2015-16 for the first time with the economy having grown 7.6% in 2015-16 and expected to grow 8.0%+ in 2016-17."
Q10. Whatever you _____ done to fool Claire, I don't believe a word of what you've said.
Answer : Option D
Explaination / Solution:
Past possibility = might have + past participle
