English Practice Question and Answer

Q:

Directions: Read the passage given below and answer the questions that follow by choosing the correct/most appropriate options.

AU Small Finance Bank Limited is an Indian Small Finance Bank, based in Jaipur, India. It was founded as vehicle finance company AU Financiers (India) Ltd. in 1996 and converted to a small finance bank on April 19, 2017.

AU Small Finance Bank serves low and middle-income individuals and micro and small businesses that have limited or no access to formal banking and finance channels. The Bank offers loans, deposits, and payment products and services. AU Small Finance Bank ranked 355 in the list of Fortune India 500 (2019) companies, with annual revenue of 3410.87 crore (US$427 million) and Total B/S Assets of 31198.68 crore (US$ 3.9 billion).

AU Bank enjoys a long-term credit rating of "AA-/Stable" from CRISIL Ratings, ICRA Ratings, India Ratings and CARE Ratings.

The company was founded by Sanjay Agarwal (Managing Director and CEO of AU Small Finance Bank) as a private limited company, and publicly listed in an IPO on June 29, 2017. A merit holder Chartered Accountant and a first-generation entrepreneur, he holds ~ 28.5% stake in the bank. He is supported by a team of 23486 employees.

AU Small Finance Bank is listed on NSE and BSE with a market capitalisation of ~ 37942 crore. On its first day of trading, the stock rose 51% to be the most expensive bank in India based on price-to-book. In November 2017, the Reserve Bank of India added the bank to its schedule of commercial banks, further improving the bank's growth prospects by reducing the cost of short-term funds and improving the bank's ability to provide services.

Over the years, the Bank has attracted marquee investors like IFC, Warburg Pincus, Temasek Holdings, Nomura, Kotak Mahindra MF, etc. Private equity companies that provided venture capital, including Warburg Pincus and International Finance Corporation, made partial exits for as much as nine times their original investment.

Due to its history as a vehicle finance company, as of March 2018 almost all the loans made by AU Small Finance Bank were secured, unlike most small finance banks that have unsecured loans due to their background in microfinance. This provides lower yields (lower interest rates) than unsecured loans, so the bank has been particularly active in growing its deposits, as bank deposits have a lower cost than other sources of funds. It has also sought to diversify into savings products like deposits, payment/transaction banking, distribution of third-party products, and additional loan products thereby positioning itself as a holistic financial products and services provider.

As on June 30, 2021, AU Small Finance Bank's distribution network............... 758 Banking Touchpoints and 23486 employees spread contiguously across 15 states and two Union Territories with over 2 million customers.

The bank has operations in 15 States and two Union Territories, with Rajasthan, Gujarat, Maharashtra, and Madhya Pradesh being key states. It is one of the largest banks by a number of locations in its home state of Rajasthan.

Choose the synonym of the word 'Improving'.

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    Impairing
    Correct
    Wrong
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    Tarnishing
    Correct
    Wrong
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    Vitiating
    Correct
    Wrong
  • 4
    Ameliorating
    Correct
    Wrong
  • 5
    Deteriorating
    Correct
    Wrong
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Answer : 5. "Deteriorating"

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Answer : 5. "CDEAB"

Q:

Directions: 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. Stanford economist Nicholas Bloom is a true believer, and like many true believers, he lets his message __(A) __ his evidence. Based on a single study of a Chinese travel agency, he __(B) __ declares working from home a “future-looking technology” with “enormous potential.”Not so fast.

Bloom’s study comes with serious limitations and is contradicted by a later Gallup report. However, while it is far too soon to draw broad __(C) __ from his findings, savvy business leaders can read between the lines and extract some valuable lessons for working ___(D) ___ with all employees. Bloom __(E) __ on China’s biggest travel agency, Ctrip, which wanted to expand while controlling office space costs. They __(F) __ a remote work trial, expecting that productivity would slip a little, but not enough to cancel out the savings. Instead, productivity shot up 13%, and attrition dropped 50%. When the work-from-home option was rolled out to the entire company and employees were given a choice, the productivity gains were 22%.

Question C

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    resulting
    Correct
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  • 2
    disappointments
    Correct
    Wrong
  • 3
    conclusions
    Correct
    Wrong
  • 4
    exercises
    Correct
    Wrong
  • 5
    guarantees
    Correct
    Wrong
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Answer : 3. "conclusions"

Q:

Read the following passage carefully and give the answer of following questions.

Art both reflects and interprets the notion that produced it. Portraiture was the dominant theme of British painting up to the end of the eighteenth century because of a persistent demand for it. It would be unfair to say that human vanity and pride of possessions were the only reasons for this persistent demand, but certainly these motives played their part in shaping the course of British painting. Generally speaking, it is the artist's enthusiasm that accounts for the vitality of the picture, but it is the client who dictates its subject-matter. The history of national enthusiasms can be pretty accurately estimated by examining the subject-matter of a nation's art.
 There is one type of subject which recurs again and again in British painting of the late eighteenth century and the jart half of the nineteenth and which is hardly met with in the jart of any other country ---- the sporting picture, or rather the picture in which a love of outdoor life is directed into the channel of sport. The sporting picture is really an extension of the conversation piece. In it the emphasis is even more firmly based on the descriptive side of painting. It made severe demands on the artist and it must be-confessed that painters capable of satisfying these demands were rare. The ability to paint a reasonably convincing landscape is not often combined with the necessary knowledge of horses and dogs in movement and the power to introduce a portrait when necessary. To weld such diverse elements into a satisfactory aesthetic unity requires exceptional ability. It is not surprising, therefore, that while sporting pictures abound in England, especially in the private collections of country squires, not many of them are of real importance as works of art. What makes the sporting picture worth noting in, a history of British painting is the fact that it is as truly indigenous and as truly popular a form of art in England as was the religious ikon in Russia.

In the history of English painting, the sporting picture is worth noting because-

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    it is not at all native nor a popular form of art in England
    Correct
    Wrong
  • 2
    it is truly religious though insignificant in England
    Correct
    Wrong
  • 3
    it is truly sporting and exceptional in England
    Correct
    Wrong
  • 4
    it is truly native and a popular form of art in England
    Correct
    Wrong
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Answer : 4. "it is truly native and a popular form of art in England"

Q:

Select the most appropriate option to substitute the underlined segment in the given sentence. If there is no need to substitute it, select ‘No substitution required’.

The song was so moving as all eyes became wet.

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    then
    Correct
    Wrong
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    when
    Correct
    Wrong
  • 3
    that
    Correct
    Wrong
  • 4
    No substitution required
    Correct
    Wrong
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Answer : 3. "that"
Explanation :

The correct sentence should be:

The song was so moving that all eyes became wet.

Explanation: The subordinating conjunction "that" is needed to connect the two clauses in the sentence. It indicates the cause-and-effect relationship between the moving song and the teary-eyed reaction.

Q:

a) Jumped off the bus in front of the old woman’s home

b) It was mid-morning and a very cold, bright day

c) Holding a potted planted before her, a girl of fourteen

d) On the outskirts of town

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    a,b,c,d,
    Correct
    Wrong
  • 2
    a,d,c,b,
    Correct
    Wrong
  • 3
    b,c,a,d
    Correct
    Wrong
  • 4
    c,a,b,d
    Correct
    Wrong
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Answer : 3. "b,c,a,d"

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