Everything From A Single Para English Aptitude Test- The Hindu 30/09/2019

The Hindu

Everything From A Single Para English Aptitude Test- The Hindu 30/09/2019

These Questions Completely based on Single “The Hindu Editorial”. The purpose to start this is to make you read the same paragraph again and again to understand the different types of questions like comprehension, cloze test, sentence arrangement, sentence improvement, vocab, antonyms, synonyms, fillers (all based on single paragraph) etc. Reading this paragraph while practicing these questions will help you understand the meaning of the paragraph and also it will give you a deep insight about how they framed the paragraph and how to attempt questions properly.

The Hindu Editorial : 30 September 2019

Title: Trust deficit: On Punjab and Maharashtra Co-operative Bank issue
Subject: Failures such as PMC Bank’s must be pre-empted to retain public faith in the system

It has been a nightmare of a week for thousands of customers of the Punjab and Maharashtra Co-operative Bank (PMC), who were told last Tuesday by the Reserve Bank of India that no more than ₹1,000 could be withdrawn from their accounts for a period of six months.
The 35-year-old lender may not be the first but is certainly one of the largest urban co-operative banks facing this clampdown. The resultant distress is also more widespread as the bank, with a large footprint in Maharashtra, is also present in Delhi, Goa, Gujarat, and Karnataka. Strikingly there was no ostensible sign of distress to trigger the bank’s virtual collapse, following the regulator’s intervention. Things were going swimmingly as per its latest annual report, with deposits growing nearly 17% year-on-year to ₹11,617 crore by March 2019, with long-tenure savings accounting for the largest chunk. Profits, in a tough year for banks, were flat, and while bad loans more than doubled, their proportion was far lower at PMC than at most public sector banks.
Given this backdrop, the bank’s depositors, who ironically include the RBI’s own employees’ co-operative, are understandably perturbed about the fate of their savings. The RBI has said it is acting in depositors’ interests after ‘financial irregularities, failure of internal control and systems of the bank and under-reporting of exposures’ came to its notice and on Thursday, raised the withdrawal limit to ₹10,000 per account, stressing this should allow 60% of its depositors to recover their entire savings.
The RBI must still explain what made it increase the withdrawal limit ten-fold within 48 hours, lest it be seen as a politically weighted move ahead of the Maharashtra election.
Questions have been raised on the bank’s large exposure to Housing Development and Infrastructure Limited (HDIL) which is itself undergoing insolvency proceedings.
The bank’s chairman had served on the board of the HDIL for ten years between two long stints at the bank, and any irregularities in loans to the firm would be an indictment of the quality of oversight on banks. That the RBI shares regulatory responsibilities over such banks with States’ Registrar of Co-operative Societies further mires the problem. With over 1,500 urban co-operative banks operating in the country, and a few of them already under RBI-imposed restrictions, a new road map is essential for their future course.
Perhaps the only major gain from demonetisation was the deployment of public savings into the formal financial sector. But failures like PMC Bank can quickly erode that. Time-bound, transparent action to fix the PMC mess and a systemic overhaul is necessary to prevent cash from moving back below household mattresses.

Directions (1-3) Choose the similar meaning
Q1. Nightmare
a) gross
b) admonition
c) splurge
d) incubus
e) acclamation

Q2. Clampdown
a) dissuasion
b) view
c) prevention
d) zenith
e) apex

Q3. Widespread
a) extensive
b) absolution
c) sympathetic
d) kind
e) nadir

Directions: (4-5) choose the opposite meaning
Q4. Perturbed
a) nexus
b) valedictory
c) final
d) schmooze
e) composed

Q5. Mires
a) missed
b) clean
c) parting
d) cackle
e) demur

Direction (6-7): Which of the following phrases given below each sentence should replace the phrase printed in bold letters to make the sentence meaningfully correct. Choose the best option among the five given alternatives that reflect the correct use of phrase in the context of the grammatically correct sentence.
Q6. The bank’s chairman had served in the board of the HDIL for ten years between two long stints at the bank.
a) from the board
b) in the board
c) on the board
d) within the board
e) the board

Q7. It has been a nightmare of a week for thousands of customers of the Punjab and Maharashtra Co-operative Bank (PMC)
a) thousands for
b) thousand of
c) thousands of
d) for thousands of
e) of thousands of

Directions (8-10): In the passage given below there are blanks which are numbered from 8 to 10. They are to be filled with the options given below the passage against each of the respective numbers. Find out the appropriate word in each case which can most suitably complete the sentence without altering its meaning.
who ………….8……… include the RBI’s own employees’ co-operative, are understandably perturbed about the fate of their savings. The RBI has said it is acting in depositors’ interests after ‘financial……….9…….., failure of internal control and systems of the bank and under-reporting of ……….10………’ came to its notice and on Thursday, raised the withdrawal limit to ₹10,000 per account, stressing this should allow 60% of its depositors to recover their entire savings.
Q8.
a) compasianate
b) agree
c) ironically
d) confabulate
e) protest

Q9.
a) irregularities
b) duty
c) obstruct
d) limit
e) confine

Q10.
a) hedge
b) blunder
c) acquit
d) column
e) exposures

Directions (11-12): Read each of the following sentences to find out if there is any grammatical error in it. The error, if any, will be in one part of the sentence. The number (A, B, C or d) of this part is your answer. If there is no error in the statement, then mark option (e) as your answer choice.
Q11. Questions have been(a)/ raised on the bank’s large(b)/ exposure to Housing Development(c)/ and Infrastructure Limited (HDIL)(d)/(e)/
a) a
b) b
c) c
d) d
e) e

Q12. The resultant distress is also(a)/ more widespread as the bank(b)/ with a large footprint in Maharashtra, is also(c)/ presently in Delhi, Goa, Gujarat, and Karnataka(d)/(e)/
a) a
b) b
c) c
d) d
e) e

Directions (13-15): Rearrange the following sentences (a), (b), (c), (d), and (e) in the proper sequence to form a meaningful paragraph and then answer the questions given below.
a) With over 1,500 urban co-operative banks operating in the country, and a few of them already under RBI-imposed restrictions, a new road map is essential for their future course.
b) Perhaps the only major gain from demonetisation was the deployment of public savings into the formal financial sector.
c) But failures like PMC Bank can quickly erode that.
d) The bank’s chairman had served on the board of the HDIL for ten years between two long stints at the bank, and any irregularities in loans to the firm would be an indictment of the quality of oversight on banks.
e) That the RBI shares regulatory responsibilities over such banks with States’ Registrar of Co-operative Societies further mires the problem.
Q13. Which is the Second step after rearrangement?
a) a
b) b
c) c
d) d
e) e

Q14. Which is the Third step after rearrangement?
a) a
b) b
c) c
d) d
e) e

Q15. Which is the Fourth step after rearrangement?
a) a
b) b
c) c
d) d
e) e

Directions (16-17): In each of the following sentences, there is a blank space. Below each such sentence, there are four options with one word each. Fill up the blank with the word that makes the sentence grammatically and contextually correct.
Q16. Time-bound, transparent action to fix the PMC mess and a systemic ……………. is necessary to prevent cash from moving back below household mattresses.
a) slacken
b) overhaul
c) corrupt
d) bungle
e) fugitive

Q17. But failures like PMC Bank can quickly ……………… that.
a) surreptitious
b) pogrom
c) folklore
d) erode
e) callous

Directions (18-20): Answer the questions given below based on the passage.
Q18. According to passage how many urban co-operative banks operating in the country?
a) 1600
b) 1500
c) 1700
d) 1568
e) 1598

Q19. According to the latest annual report, with deposits growing nearly how much percentage?
a) 37% year-on-year to ₹11,607 crore
b) 10% year-on-year to ₹19,617 crore
c) 16% year-on-year to ₹11,618 crore
d) 17% year-on-year to ₹11,617 crore
e) 19% year-on-year to ₹12,617 crore

Q20. Which of the following statements is/are true in context of the passage above?
(I) Questions have been raised on the bank’s large exposure to Housing Development and Infrastructure Limited (HDIL)
(II) The bank’s chairman had served on the board of the HDIL for 25 years
(III) Perhaps the only major gain from demonetisation was the deployment of public savings into the formal financial sector.
a) Only (III)
b) Both (II) and (III)
c) Both (I) and (III)
d) All are correct
e) Only (I)

Answers With Explanation

Ans.1, d it means a frightening or unpleasant dream.
Ans.2, c it means a concerted or harsh attempt to suppress something.
Ans.3, a it means found or distributed over a large area or number of people.
Ans.4, e Perturbed means feeling anxiety or concern; unsettled. Composed means having one’s feelings and expression under control; calm.
Ans.5, b Mires means a complicated or unpleasant situation from which it is difficult to extricate oneself. Clean means make clean; remove dirt, marks, or stains from.
Ans.6, c use on the board in place of in the board IN when you are indicating a position for spaces with limitations. IN is used to convey that something is contained or inside. For example,
The bee is in the beehive.
ON is used to denote a position for surfaces or a position just above or outside an area. Example,
The book is placed on the table.
IN is used to denote a moment enclosed in time. It is therefore used with other parts of the day, with months, with years, with seasons. Some examples of these are,
I like to drink coffee in the morning.
ON is used with days and dates. Also, it may be used in special parts of the day and special holidays. Distinctively, ON is used when you do not enclose something — time included it is with relative specificity.
I’ll see you on Friday!
Ans.7, d a Score, a Dozen, a hundred , a ‘thousand, a ‘millionand ‘a billion’ remain in the singular when they are multiplied by a precise number or preceded by ‘several’, ‘a few’, ‘many’.
Clearly, they are numeric adjectives, and like all adjectives, they always remain in the singular. They are followed by a noun (expressed or not).
ex : How many demonstrators were there in front of the Capitol this morning ? Oh ! There were at least two thousand …
On the contrary, ‘ten’, ‘score’, ‘dozen’, hundred’, ‘thousand’, ‘million’ , ‘billion’ must be in the plural, when they are followed by ‘of ‘ and by a noun.
Indeed, they stop being adjectives and become nouns linked to other nouns by the preposition ‘of’.
ex : Dozens of eggs were broken in the collision of the delivery trucks.
Ans.8, c it means used in reference to a paradoxical, unexpected, or coincidental situation.
Ans.9, a it means the state or quality of being irregular.
Ans.10, e it means the state of having no protection from something harmful.
Ans.11, e no error.
Ans.12, a use present in place of presently. At Present /adverbial phrase/
At present means a moment or period in time which is not past and not future but between them.
Example:
Hamid is at present in finance.
Presently /adverb/
Presently also means “now” which is most often used with the present tense and presently in the use of future tense means ‘soon.’
Example:
Hamid will come back presently.
Ans.13, e is correct. Because the correct sequence is DEABC.
Ans.14, a is correct.
Ans.15, b is correct.
Ans.16, b it means take apart (a piece of machinery or equipment) in order to examine it and repair it if necessary.
Ans.17, d it means (of wind, water, or other natural agents) gradually wear away (soil, rock, or land).
Ans.18, b according to passage b is correct.
Ans.19, d according to passage d is correct.
Ans.20, c according to passage c is correct.

 

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