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.

Who is the founder of AU Small Finance Bank?

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Looking back on those days Isee myself as a kind of centaur, half boy, half bike, forever wheeling down suburban streets under the poincianas, on my way to football practice or the library or to a meeting of the little group of us, girls and boys, that came together on someone's verandah in the evenings after tea.
I might come across the Professor then on his after dinner stroll; and as often as not, he would be accompanied by my father, who would stop me and demand (partly, I thought, to impress the Professor) where I was off to or where I had been; insisting, with more than his usual force, that I come home right away, with no argument I spent long hours cycling back and forth between our house and Ross McDowell or Jimmy Larwood's, my friends from school, and the Professor's house was always on the route, I was always aboard and waiting for something significant to occur, for life somehow to declare it self and catch me up I rode my bike in slow circles or figures-of-eight, took it for sprints across the gravel of the park, or simply hung motionless in the saddle, balanced and waiting.

The narrator described himself as 'a kind of centaur" because

Read the following passage carefully and choose the best answer to each question out of the five given alternatives.

Almost everybody allows himself or herself or herself some entirely unjustifiable generalizations on the subject of women. Married men, when they generalize on that subject, judge by their wives; women judge by themselves. It would be amusing to write a history of the views of men on women.

In antiquity, when male supremacy was unquestioned and Christian ethics were still unknown, women were harmless, rather silly, and a man who took them seriously was somewhat despised.

Plato’s great objection to the drama was that the playwright had to imitate women in creating his female roles. With the coming of Christianity, the woman took on a new part, that of the temptress; but at the same time, she was also found capable of being a saint.

In those days, a man who took women seriously was

Read the passage carefully and give answer the following question.

We should preserve Nature to preserve life and beauty. A beautiful landscape, full of green vegetation, will not just attract our attention but will fill us with infinite satisfaction. Unfortunately, because of modernization, much of nature is now yielding to towns, roads and industrial areas. In a few places some natural reserves are now being carved out to avert the danger of destroying nature completely. Man will perish without nature, so modern man should continue this struggle to save plants, which give us oxygen. Moreover, Nature is essential to man’s health.

Why a beautiful landscape ‘will fill us with infinite satisfaction’ ?

Directions: Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them while answering some of the questions.
   
Indeed the western recession is really the beginning of good news for India! But to understand that we will have to move away for a while from the topic of western recession . . . . . . . to the Japanese recession! For years the Japanese style of management has been admired. However, over the last decade or so, one key question has sprung up ‘if Japanese management style is as wonderful as described then why has Japan been in a recession for more than a decade?'
The answer to this question is very simple. Culture plays a very important part in shaping up economies. What succeeds in one culture fails in another. Japanese are basically nonmaterialistic. And however rich they become, unlike others, they cannot just keep throwing and buying endlessly. And once they have everything they need; there is a saturation point. It was only when companies like Toyota realized that they cannot keep selling cars endlessly to their home market that they went really aggressive in the western markets-and the rest is history. Japanese companies grew bigger by catering to the world markets when their home markets shrunk.

served equally well. They were lured through advertising and marketing techniques of ‘dustbinisation' of the customer; and then finally, once they became ready customers, they were given loans and credits to help them buy more and more. When all the creditworthy people were given loans to a logical limit, they ceased to be a part of the market. Even this would have been understandable if it could work as an eye-opener. Instead of taking the 'Right Step' as Toyota did, they preferred to take a 'shortcut'. Now banks went to the noncredit worthy people and gave them loans. The people expectedly defaulted and the entire system collapsed.

Now like Toyota western companies will learn to find new markets. They will now lean towards India because of its common man! The billion-plus population in the next 25 years will become, a consuming middle-class. Finally, there will be a real surge in income of these people and in the next fifty odd years, one can really hope to see an equal world in terms of material plenty, with poverty being almost nonexistent! And this will happen not by selling more cars to Americans and Europeans. It will happen by creating markets in India, China, Latin America and Africa, by giving their people purchasing power and by making products for them.
The recession has made us realize that it is not because of worse management techniques, but because of limits to growth. And they will realize that it is great for planet earth. After all, how many cars and houses must the rich own before calling it enough? It's time for them to look at others as well. Many years back, to increase his own profits, Henry Ford had started paying his workers more, so that they could buy his cars. In similar fashion, now the developed world will pay the developing world people so that they can buy their cars and washing machines.
The recession will kick - start the process of making the entire world more prosperous, and lay the foundation of limits to growth in the west and the foundation of real globalization in the world - of the globalization of prosperity. And one of its first beneficiaries will be India. 

Direction: Choose the word which is most similar in meaning to the word printed in bold as used in the passage.
AGGRESSIVE 

Directions: Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them, while answering some of the questions.
Among those suffering from the global recession are millions of workers who are not even included in the official statistics : urban recyclers – the trash pickers, sorters, traders and reprocesses who extricate paper, cardboard and plastics from garbage heaps and prepare them for reuse. Their work is both unrecorded and largely unrecognized, even though in some parts of the World they handle as much as 20% of all waste.
The World’s 15 million informal recyclers clean up cities, prevent some trash from ending in landfills and thus, reduce climate change by saving energy on waste disposal techniques like incineration. In the developed countries they are the preferred ones since they recycle waste much more cheaply and efficiently than governments or private corporations can. In the developing World, on the other hand, they provide the only recycling services except for a few big cities. But as recession hits the markets Worldwide, the price of scrap metal, paper and plastic has also fallen. Recyclers throughout the World are experiencing a sharp drop in income. Trash pickers and scrap dealers saw a decline of as much as 80% in the price of scrap from October 2007 to October 2009. In some countries scrap dealers have shuttered so quickly that researchers at the Solid Waste Management Association didn’t have a chance to record their losses. In Delhi, some 80% of families in the informal recycling business surveyed by an organization said they had cut back on “luxury foods,” which they defined as fruit, milk and meat. About 41% had stopped buying milk for their children. By this summer, most of those children, already malnourished, hadn’t had a glass of milk in nine months. Many of these children have also cut down on hours spent in school to work alongside their parents. Families have liquidated their most valuable assets – primarily copper from electrical wires – and have stopped sending remittances back to their rural villages. Many have also sold their emergency stores of grain. Their misery is not as familiar as that of the laid-off workers of big name but imploding, service sector corporation, but it is often more tragic. Few countries have adopted emergency measures to help trash pickers. Brazil, for one, is  providing recyclers, or “catadores,” with cheaper food, both through arrangements with local farmers and by offering food subsidies. Other countries, with the support of non-governmental organizations  and donor agencies are following Brazil’s example. Unfortunately, most trash pickers operate outside official notice and end up falling through the cracks of programmes like these. In the long run,  though, these invisible workers will remain especially vulnerable to economic slowdowns unless they are integrated into the formal business sector, where they can have insurance and reliable wages. This is not hard to accomplish. Informal junk shops should have to apply for licences, and governments should create or expand doorstep waste collection programmes to employ trash pickers. Instead of sorting through haphazard trash heaps and landfills, the pickers would have access to the cleaner scrap that comes from households.

The need of the hour, however, is a more immediate solution. An efficient but temporary solution would be for governments where they’d have to pay a small subsidy to waste dealers so they could purchase scrap from trash pickers at about 20% above the current price. This increase, if well advertised and broadky utilized, would bring recyclers a higher price and eventually bring them back from the brink. Trash pickers make our cities healthier and more liveable. We all stand to gain by making sure that the work of recycling remains sustainable for years to come.

Choose the word/group of words which is most similar in meaning to the word printed in bold as used in the passage.
Cracks

In the following passage some words have been deleted. Fill in the blanks with the help of the alternatives given. Select the most appropriate option for each blank.

China is the largest producer of pork, but it (1) ______ a big problem at the moment. There is an epidemic (2) _____ is killing its pigs. The virus was first (3) _____ in August last year, but one million pigs have died by now. It is a (4) ______ virus and when a pig catches it, it dies. China thinks that one third of (5) ______ pigs are going to die by the end of this year. 

Select the most appropriate option for blank No. 4.

Direction :  passage carefully and answer the questions given below it. Certain words/phrases are given in bold in the passage to help you locale them while answering some of the questions. 

Governments have traditionally equated economic progress with steel mills and cement factories. While urban centres thrive and city dwellers get rich, hundreds of millions of famers remain mired in poverty. However fears of food shortages, a rethinking of anti-poverty priorities and crushing recession in 2008 are causing a dramatic shift in world economic policy in favour of greater support for agriculture.  last time when the world's farmers felt such love was in the 1970's. At that time, as food prices spiked, there was real concern that the world was facing a crisis in which the planet was simply unable to produce enough grain and meat for an expanding population. Governments across the developing world and international aid organisations plowed investment agriculture in technological breakthroughs, like high-yield strains of important food crops, boosted production. The result was the Green Revolution and food production exploded. into the early 1970s, while But the Green Revolution became a victim of its own success. Food prices plunged by some 60% by the late 1980's from their peak in the mid- 1970's. Policy-makers and aid workers turned their attention to the poor's other pressing needs, such as health care and education. Farming got starved of resources and investment. By 2004's aid directed at agriculture sank to 3.5% and "agriculture lost its glitter", “Also, as consumers in high-growth giants such as China and India became wealthier, they began eating more meat. So grain once used for human consumption got diverted to beef up livestock. By early 2008, panicked buying by importing countries and restrictions slapped on grain exports by some big producers helped drive prices up to heights not seen for three decades. Making matters worse, land and resources got reallocated to product cash crop such as bio fuels and the result was that voluminous reserves of grain evaporated. Protests broke out across the emerging world and fierce food riots toppled governments.

Direction: Choose the words/ group of the words which is MOST OPPOSITE in meaning to the word printed in bold as used in the passage. 
PRESSING