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## Home IBPS Clerk / English Language Test 4 Questions and Answers

1 . 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.

Illiterate and weak-minded people all over the world often are a$(1)$to superstitions. Their lives are ruled by them and they base their actions on the var ious superstitious $(2)$. Superstitious people can be called backward. They tend to $(3)$ every $(4)$irrationally. They $(5)$a happening illogically and$(6)$their actions on the $(7)$ of these beliefs. Although most people know that superstitions are based on $(8)$and are nowhere close to the truth, but $(9)$ a few people are $(10)$ guided by superstitions
$(6)$
drive
restrict
impose
guide
expose
2 . 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.

Illiterate and weak-minded people all over the world often are a$(1)$to superstitions. Their lives are ruled by them and they base their actions on the var ious superstitious $(2)$. Superstitious people can be called backward. They tend to $(3)$ every $(4)$irrationally. They $(5)$a happening illogically and$(6)$their actions on the $(7)$ of these beliefs. Although most people know that superstitions are based on $(8)$and are nowhere close to the truth, but $(9)$ a few people are $(10)$ guided by superstitions
$(7)$
hypothesis
fundamentals
ideology
basis
conception
3 . 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.

Illiterate and weak-minded people all over the world often are a$(1)$to superstitions. Their lives are ruled by them and they base their actions on the var ious superstitious $(2)$. Superstitious people can be called backward. They tend to $(3)$ every $(4)$irrationally. They $(5)$a happening illogically and$(6)$their actions on the $(7)$ of these beliefs. Although most people know that superstitions are based on $(8)$and are nowhere close to the truth, but $(9)$ a few people are $(10)$ guided by superstitions
$(8)$
imagination
delusion
empathy
fear
logic
4 . 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.

Illiterate and weak-minded people all over the world often are a$(1)$to superstitions. Their lives are ruled by them and they base their actions on the var ious superstitious $(2)$. Superstitious people can be called backward. They tend to $(3)$ every $(4)$irrationally. They $(5)$a happening illogically and$(6)$their actions on the $(7)$ of these beliefs. Although most people know that superstitions are based on $(8)$and are nowhere close to the truth, but $(9)$ a few people are $(10)$ guided by superstitions
$(9)$
quit
why
quite
simply
never
5 . 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.

Illiterate and weak-minded people all over the world often are a$(1)$to superstitions. Their lives are ruled by them and they base their actions on the var ious superstitious $(2)$. Superstitious people can be called backward. They tend to $(3)$ every $(4)$irrationally. They $(5)$a happening illogically and$(6)$their actions on the $(7)$ of these beliefs. Although most people know that superstitions are based on $(8)$and are nowhere close to the truth, but $(9)$ a few people are $(10)$ guided by superstitions
$(10)$
somehow
unusally
uptil
yet
still
6 . Read the following passage carefully and answer the questions given below it. Certain words/phrases in the passage are printed in bold to help you locate them while answering some of the questions.

That women in India are much more financially excluded than the men is evident from the figures as of March 2011. Only 21 per cent of total bank deposit accounts were held by women and these accounted for just about 12 per cent of the total volume of deposits. Similarly, women availed only 18 per cent of the total small credit from banks in 2011. The problem must be understood in the context of larger issues arising from the underprivileged status of a woman in India.

Finance minister P Chidambaram has proposed to deal with the financial exclusion of Indian women by setting up a women's bank. There are two reasons why the idea is not $exciting$ for some of us. First, merely setting up an allwomen bank is not likely to address the core issue of attitudinal bias against women, which is so prevalent in our banking institutions. There is both overt and covert exclusion in the system. Second, there is no guarantee that the all-women bank is going to $mitigate$ the problem of financial exclusion of Indian women. My scepticism also $stems$ from the limited success of other previous attempts at focused banking, such as the setting up of the regional rural banks.

In order to assess the likely impact of the proposed women-only bank, it would be interesting to draw an analogy with the launching of the regional rural banks in the 1970s. The RRBs were set up in 1976 as special conduits of credit delivery in rural India. They were supposed to combine the 'local feel and familiarity of rural problems with the professionalism and large resource base of commercial banks'. Thus, there was an acknowledgment that mainstream commercial banks could not effectively cater to the needs of the villages, so a new type of locally oriented banks, the RRBs had to be set up. This is very similar to the proposed women's bank's ambition 'to address the gender-related issues of financial inclusion'. On the face of it, there is nothing wrong in setting up new institutions that target specific segments of the population. However, we have seen in the case of the RRBs that, less than ten years into operation, their financial viability became a matter of concern. Starting from 1981, more than 10 committees were set up to address various issues (of financial viability, r econstruction and amalgamation, manpower and human resources and technological upgradation) relating to operation of the RRBs. Following this, the RRBs went through the process of recapitalisation and amalgamation so as to make them financially sound. Due to amalgamation and mergers, some RRBs have become large entities that defeat the very concept of 'locally oriented' banks.

Ironically the number of urban and metropolitan branches of RRBs has increased over the years, while that of their rural branches has declined. Between 1992 and 2009, there was a 22-percentage point decline in the proportion of rural bank branches of RRBs while there was a 16-percentage point increase in the share of their nonrural branches. Thus the creation of 'localised rural banks' as a means for tackling the 'lack of familiarity of rural problems on the part of mainstream commercial banks' does not seem to have served its purpose. In fact, rural India is much more financially excluded today when compared to the 1990s, both in terms of banking outlets and availability of institutional credit.

Going by this analogy, it must be asked if the womenonly bank can promote financial inclusion of India women unless we address the core issue of exclusion at a more fundamental level. Attitudinal changes in our banking system should be an essential and integral part of all our efforts to promote financial inclusion. Not too long ago, the Rangarajan Committee on financial inclusion had emphasised the correction of mindsets of the bank staff. Citing a study conducted in Madhya Pradesh, the committee highlighted that the 'majority of the bank branch managers held negative attitudes towards lending to (the) poor, although (the) poor, if guided properly, not only succeed as entrepreneurs but also are good repayers'. There is no doubt that if the poor happens to be a woman, this $discrimination$ gets doubled
Why is the author apprehensive about the success of the women's bank?
Because women are not so competent as men
Because previous attempts at focused banking such as the setting up of the RRBs have shown limited success
Because there is no ready infrastructure for thesetting up of the all-women's bank
The government itself is under severe financial constraints as of now
All the above
7 . Read the following passage carefully and answer the questions given below it. Certain words/phrases in the passage are printed in bold to help you locate them while answering some of the questions.

That women in India are much more financially excluded than the men is evident from the figures as of March 2011. Only 21 per cent of total bank deposit accounts were held by women and these accounted for just about 12 per cent of the total volume of deposits. Similarly, women availed only 18 per cent of the total small credit from banks in 2011. The problem must be understood in the context of larger issues arising from the underprivileged status of a woman in India.

Finance minister P Chidambaram has proposed to deal with the financial exclusion of Indian women by setting up a women's bank. There are two reasons why the idea is not $exciting$ for some of us. First, merely setting up an allwomen bank is not likely to address the core issue of attitudinal bias against women, which is so prevalent in our banking institutions. There is both overt and covert exclusion in the system. Second, there is no guarantee that the all-women bank is going to $mitigate$ the problem of financial exclusion of Indian women. My scepticism also $stems$ from the limited success of other previous attempts at focused banking, such as the setting up of the regional rural banks.

In order to assess the likely impact of the proposed women-only bank, it would be interesting to draw an analogy with the launching of the regional rural banks in the 1970s. The RRBs were set up in 1976 as special conduits of credit delivery in rural India. They were supposed to combine the 'local feel and familiarity of rural problems with the professionalism and large resource base of commercial banks'. Thus, there was an acknowledgment that mainstream commercial banks could not effectively cater to the needs of the villages, so a new type of locally oriented banks, the RRBs had to be set up. This is very similar to the proposed women's bank's ambition 'to address the gender-related issues of financial inclusion'. On the face of it, there is nothing wrong in setting up new institutions that target specific segments of the population. However, we have seen in the case of the RRBs that, less than ten years into operation, their financial viability became a matter of concern. Starting from 1981, more than 10 committees were set up to address various issues (of financial viability, r econstruction and amalgamation, manpower and human resources and technological upgradation) relating to operation of the RRBs. Following this, the RRBs went through the process of recapitalisation and amalgamation so as to make them financially sound. Due to amalgamation and mergers, some RRBs have become large entities that defeat the very concept of 'locally oriented' banks.

Ironically the number of urban and metropolitan branches of RRBs has increased over the years, while that of their rural branches has declined. Between 1992 and 2009, there was a 22-percentage point decline in the proportion of rural bank branches of RRBs while there was a 16-percentage point increase in the share of their nonrural branches. Thus the creation of 'localised rural banks' as a means for tackling the 'lack of familiarity of rural problems on the part of mainstream commercial banks' does not seem to have served its purpose. In fact, rural India is much more financially excluded today when compared to the 1990s, both in terms of banking outlets and availability of institutional credit.

Going by this analogy, it must be asked if the womenonly bank can promote financial inclusion of India women unless we address the core issue of exclusion at a more fundamental level. Attitudinal changes in our banking system should be an essential and integral part of all our efforts to promote financial inclusion. Not too long ago, the Rangarajan Committee on financial inclusion had emphasised the correction of mindsets of the bank staff. Citing a study conducted in Madhya Pradesh, the committee highlighted that the 'majority of the bank branch managers held negative attitudes towards lending to (the) poor, although (the) poor, if guided properly, not only succeed as entrepreneurs but also are good repayers'. There is no doubt that if the poor happens to be a woman, this $discrimination$ gets doubled
Find the incorrect statement regarding Regional Rural Banks
The RRBs were set up as a special channel of credit delivery in rural India
The RRBs were set up to cater to the needs of the villages
The number of urban branches of RRBs has increased over the years
The number of both rural and metropolitan branches of RRBs has increased over the years
None of these
8 . Read the following passage carefully and answer the questions given below it. Certain words/phrases in the passage are printed in bold to help you locate them while answering some of the questions.

That women in India are much more financially excluded than the men is evident from the figures as of March 2011. Only 21 per cent of total bank deposit accounts were held by women and these accounted for just about 12 per cent of the total volume of deposits. Similarly, women availed only 18 per cent of the total small credit from banks in 2011. The problem must be understood in the context of larger issues arising from the underprivileged status of a woman in India.

Finance minister P Chidambaram has proposed to deal with the financial exclusion of Indian women by setting up a women's bank. There are two reasons why the idea is not $exciting$ for some of us. First, merely setting up an allwomen bank is not likely to address the core issue of attitudinal bias against women, which is so prevalent in our banking institutions. There is both overt and covert exclusion in the system. Second, there is no guarantee that the all-women bank is going to $mitigate$ the problem of financial exclusion of Indian women. My scepticism also $stems$ from the limited success of other previous attempts at focused banking, such as the setting up of the regional rural banks.

In order to assess the likely impact of the proposed women-only bank, it would be interesting to draw an analogy with the launching of the regional rural banks in the 1970s. The RRBs were set up in 1976 as special conduits of credit delivery in rural India. They were supposed to combine the 'local feel and familiarity of rural problems with the professionalism and large resource base of commercial banks'. Thus, there was an acknowledgment that mainstream commercial banks could not effectively cater to the needs of the villages, so a new type of locally oriented banks, the RRBs had to be set up. This is very similar to the proposed women's bank's ambition 'to address the gender-related issues of financial inclusion'. On the face of it, there is nothing wrong in setting up new institutions that target specific segments of the population. However, we have seen in the case of the RRBs that, less than ten years into operation, their financial viability became a matter of concern. Starting from 1981, more than 10 committees were set up to address various issues (of financial viability, r econstruction and amalgamation, manpower and human resources and technological upgradation) relating to operation of the RRBs. Following this, the RRBs went through the process of recapitalisation and amalgamation so as to make them financially sound. Due to amalgamation and mergers, some RRBs have become large entities that defeat the very concept of 'locally oriented' banks.

Ironically the number of urban and metropolitan branches of RRBs has increased over the years, while that of their rural branches has declined. Between 1992 and 2009, there was a 22-percentage point decline in the proportion of rural bank branches of RRBs while there was a 16-percentage point increase in the share of their nonrural branches. Thus the creation of 'localised rural banks' as a means for tackling the 'lack of familiarity of rural problems on the part of mainstream commercial banks' does not seem to have served its purpose. In fact, rural India is much more financially excluded today when compared to the 1990s, both in terms of banking outlets and availability of institutional credit.

Going by this analogy, it must be asked if the womenonly bank can promote financial inclusion of India women unless we address the core issue of exclusion at a more fundamental level. Attitudinal changes in our banking system should be an essential and integral part of all our efforts to promote financial inclusion. Not too long ago, the Rangarajan Committee on financial inclusion had emphasised the correction of mindsets of the bank staff. Citing a study conducted in Madhya Pradesh, the committee highlighted that the 'majority of the bank branch managers held negative attitudes towards lending to (the) poor, although (the) poor, if guided properly, not only succeed as entrepreneurs but also are good repayers'. There is no doubt that if the poor happens to be a woman, this $discrimination$ gets doubled
Which of the following statements is/are true about the operation of RRBs in the first decade of their inception?
They did not reflect the desired results as expected at the time of their launch
To make the RRBs financially sound the process of mergers and amalgamation were adopted
Various committees were formed to address various issues related to operations of the RRBs.
Only 1) and 3)
All 1), 2) and 3)
9 . Read the following passage carefully and answer the questions given below it. Certain words/phrases in the passage are printed in bold to help you locate them while answering some of the questions.

That women in India are much more financially excluded than the men is evident from the figures as of March 2011. Only 21 per cent of total bank deposit accounts were held by women and these accounted for just about 12 per cent of the total volume of deposits. Similarly, women availed only 18 per cent of the total small credit from banks in 2011. The problem must be understood in the context of larger issues arising from the underprivileged status of a woman in India.

Finance minister P Chidambaram has proposed to deal with the financial exclusion of Indian women by setting up a women's bank. There are two reasons why the idea is not $exciting$ for some of us. First, merely setting up an allwomen bank is not likely to address the core issue of attitudinal bias against women, which is so prevalent in our banking institutions. There is both overt and covert exclusion in the system. Second, there is no guarantee that the all-women bank is going to $mitigate$ the problem of financial exclusion of Indian women. My scepticism also $stems$ from the limited success of other previous attempts at focused banking, such as the setting up of the regional rural banks.

In order to assess the likely impact of the proposed women-only bank, it would be interesting to draw an analogy with the launching of the regional rural banks in the 1970s. The RRBs were set up in 1976 as special conduits of credit delivery in rural India. They were supposed to combine the 'local feel and familiarity of rural problems with the professionalism and large resource base of commercial banks'. Thus, there was an acknowledgment that mainstream commercial banks could not effectively cater to the needs of the villages, so a new type of locally oriented banks, the RRBs had to be set up. This is very similar to the proposed women's bank's ambition 'to address the gender-related issues of financial inclusion'. On the face of it, there is nothing wrong in setting up new institutions that target specific segments of the population. However, we have seen in the case of the RRBs that, less than ten years into operation, their financial viability became a matter of concern. Starting from 1981, more than 10 committees were set up to address various issues (of financial viability, r econstruction and amalgamation, manpower and human resources and technological upgradation) relating to operation of the RRBs. Following this, the RRBs went through the process of recapitalisation and amalgamation so as to make them financially sound. Due to amalgamation and mergers, some RRBs have become large entities that defeat the very concept of 'locally oriented' banks.

Ironically the number of urban and metropolitan branches of RRBs has increased over the years, while that of their rural branches has declined. Between 1992 and 2009, there was a 22-percentage point decline in the proportion of rural bank branches of RRBs while there was a 16-percentage point increase in the share of their nonrural branches. Thus the creation of 'localised rural banks' as a means for tackling the 'lack of familiarity of rural problems on the part of mainstream commercial banks' does not seem to have served its purpose. In fact, rural India is much more financially excluded today when compared to the 1990s, both in terms of banking outlets and availability of institutional credit.

Going by this analogy, it must be asked if the womenonly bank can promote financial inclusion of India women unless we address the core issue of exclusion at a more fundamental level. Attitudinal changes in our banking system should be an essential and integral part of all our efforts to promote financial inclusion. Not too long ago, the Rangarajan Committee on financial inclusion had emphasised the correction of mindsets of the bank staff. Citing a study conducted in Madhya Pradesh, the committee highlighted that the 'majority of the bank branch managers held negative attitudes towards lending to (the) poor, although (the) poor, if guided properly, not only succeed as entrepreneurs but also are good repayers'. There is no doubt that if the poor happens to be a woman, this $discrimination$ gets doubled
What is/are the reason(s) for setting up of the allwomen's bank?

(A) Financial inclusion of Indian women

(B) To address the core issue of attitudinal bias against women

(C) To provide financial assistance and loans only to women professionals
All (A), (B) and (C)
Only (A) and (B)
Only (A) and (C)
Only (B) and (C)
Only (A)
10 . Read the following passage carefully and answer the questions given below it. Certain words/phrases in the passage are printed in bold to help you locate them while answering some of the questions.

That women in India are much more financially excluded than the men is evident from the figures as of March 2011. Only 21 per cent of total bank deposit accounts were held by women and these accounted for just about 12 per cent of the total volume of deposits. Similarly, women availed only 18 per cent of the total small credit from banks in 2011. The problem must be understood in the context of larger issues arising from the underprivileged status of a woman in India.

Finance minister P Chidambaram has proposed to deal with the financial exclusion of Indian women by setting up a women's bank. There are two reasons why the idea is not $exciting$ for some of us. First, merely setting up an allwomen bank is not likely to address the core issue of attitudinal bias against women, which is so prevalent in our banking institutions. There is both overt and covert exclusion in the system. Second, there is no guarantee that the all-women bank is going to $mitigate$ the problem of financial exclusion of Indian women. My scepticism also $stems$ from the limited success of other previous attempts at focused banking, such as the setting up of the regional rural banks.

In order to assess the likely impact of the proposed women-only bank, it would be interesting to draw an analogy with the launching of the regional rural banks in the 1970s. The RRBs were set up in 1976 as special conduits of credit delivery in rural India. They were supposed to combine the 'local feel and familiarity of rural problems with the professionalism and large resource base of commercial banks'. Thus, there was an acknowledgment that mainstream commercial banks could not effectively cater to the needs of the villages, so a new type of locally oriented banks, the RRBs had to be set up. This is very similar to the proposed women's bank's ambition 'to address the gender-related issues of financial inclusion'. On the face of it, there is nothing wrong in setting up new institutions that target specific segments of the population. However, we have seen in the case of the RRBs that, less than ten years into operation, their financial viability became a matter of concern. Starting from 1981, more than 10 committees were set up to address various issues (of financial viability, r econstruction and amalgamation, manpower and human resources and technological upgradation) relating to operation of the RRBs. Following this, the RRBs went through the process of recapitalisation and amalgamation so as to make them financially sound. Due to amalgamation and mergers, some RRBs have become large entities that defeat the very concept of 'locally oriented' banks.

Ironically the number of urban and metropolitan branches of RRBs has increased over the years, while that of their rural branches has declined. Between 1992 and 2009, there was a 22-percentage point decline in the proportion of rural bank branches of RRBs while there was a 16-percentage point increase in the share of their nonrural branches. Thus the creation of 'localised rural banks' as a means for tackling the 'lack of familiarity of rural problems on the part of mainstream commercial banks' does not seem to have served its purpose. In fact, rural India is much more financially excluded today when compared to the 1990s, both in terms of banking outlets and availability of institutional credit.

Going by this analogy, it must be asked if the womenonly bank can promote financial inclusion of India women unless we address the core issue of exclusion at a more fundamental level. Attitudinal changes in our banking system should be an essential and integral part of all our efforts to promote financial inclusion. Not too long ago, the Rangarajan Committee on financial inclusion had emphasised the correction of mindsets of the bank staff. Citing a study conducted in Madhya Pradesh, the committee highlighted that the 'majority of the bank branch managers held negative attitudes towards lending to (the) poor, although (the) poor, if guided properly, not only succeed as entrepreneurs but also are good repayers'. There is no doubt that if the poor happens to be a woman, this $discrimination$ gets doubled
Which of the following needs to be done to promote financial inclusion?
General mindset towards women in general and poor women in particular needs to be changed
Women should be granted financial aids at comparatively low rate of interest.
Women at village level should be educated through meetings, hoardings, banners and posters
It should be made mandatory to bring all rural women under the umbrella of financial inclusion
None of these