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The public distribution system, which provides food at low prices, is a subject of vital concern. There is a growing realization that though India has enough food to feed its masses two square meals a day, the monster of starvation and food insecurity continues to haunt the poor in our country. Increasing the purchasing power of the poor through providing productive employment leading to rising income, and thus good standard of living, is the ultimate objective of public policy. However, till then, there is a need to provide assured supply of food through a restructured, more efficient and decentralized public distribution system (PDS). Although the PDS is extensive world – it hasn't reached the rural poor and the remote places. It remains an urban phenomenon, with the majority of the rural poor still out of its reach due to lack of economic and physical access. The poorest in the cities and the migrants are left out, for they generally do not possess ration cards. The allocation of PDS supplies in big cities is larger than in rural areas. In view of such deficiencies in the system, the PDS urgently needs to be streamlined. Also, considering the large it is one of the largest such systems in the food grains production combined with food subsidy on one hand and the continuing slow starvation and dismal poverty of rural population on the other, there is a strong case for making PDS target group oriented. By making PDS target group oriented, not only the poorest and the neediest would be reached without additional cost but we can also reduce the overall costs incurred. 

The public distribution system, which provides food at_______is a subject of vital concern. 

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 The essence of Gandhiji’s teaching was meant not for his country or his people alone but for all mankind and is valid not only for today but for all the time. He wanted all men to be free so that they could grow unhampered into full self-realization. He wanted to abolish the exploitation of man by man in any shape or form because both exploitation and submission to it are sin not only against society but against the moral law, the law of our being. The means to be compatible with this end therefore, he said have to be purely moral, namely unadulterated truth and non-violence. He had been invited by many foreigners to visit their countries and deliver his message to them directly but he declined to accept such invitations as, he said, he must make good what he claimed for; Truth and Ahimsa in his own country before he could launch on the gigantic task of winning or rather converting the world. With the attainment of freedom by India, by following his method, though in a limited way and in spite of all the imperfections in its practice, the condition precedent for taking his message to other countries was to a certain extent fulfilled. And although the partition has caused wounds and raised problems which claimed all his time and energy, he might have been able to turn his attention to this larger question even in the midst of his distractions. But Providence had ordained otherwise. May some individual or nation arise and carry forward the effort launched by him till the experiment is completed, the work finished and the objective achieved.

Which of the following statement is NOT TRUE in the context of the passage? 

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

What is mean by 'Programmed our lives’?
 
 

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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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Two hundred years after Malthus predicted that population growth would overtake food production by a margin of 256 to 9, the simple fact is that food production had always been ahead of the population growth. Malthus’ doomsday prediction simply did not come true due to two major reasons: first, population did not grow geometrically and birth rates in all Western countries fell during the 20- Century, resulting in very slow population growth. Over the past quarter century, birth rates have been falling in the developing countries too. Second, modern agricultural practices and better irrigation have resulted in tremendous growth in food production in almost all parts of the globe, with the notable exception of sub-Saharan Africa. Therefore, at the global level, the Malthusian doomsday never befell on us.
India’s population grew by about two and a half times in the past 45 years — from 361 million in 1951 to an estimated 916 million in 1995. But during the same period, India’s food grain production grew by nearly four times — from 51 million tonnes in 1951 to 191 million tonnes in 1995. As a result, the per capita food grain availability in India has gone up considerably since the Independence. That is, the Malthusian prediction has not come true even in India.

The food production has always been_________of   population growth.

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As the Sun inches closer to its peak activity in its solar cycle, an explosion has been picked up behind the north-eastern limb of the star in our solar system. Solar observatories saw bits and pieces of the explosion, which remain obscured in view from Earth's orbit. The explosion was spotted on 31 July at around 2309 UT and Earth-orbiting satellites registered a long-lasting C9.3-class solar flare. "The intensity is probably an underestimate because it was partially eclipsed by the edge of the sun. Nasa's Solar Dynamics Observatory (SDO) saw hot debris flying away from the blast site," space weather, which tracks the solar activity, reported.

While the explosion was powerful, experts have predicted that Earth is not in the line of fire from the Sun. Scientists are expected to get a view of the active region later this week as it comes to sight. Earth is not in the line of fire. The explosion is significant because it may herald an active region set to emerge over the sun's north-eastern limb later this week. A new sunspot group could bring an end to weeks of relative quiet," space weather said in its report

Select the most appropriate synonym of the given word from the passage.

Debris

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Core competencies and focus are now the mantras of corporate strategists in Western economies. But while managers in the West have dismantled many conglomerates assembled in the 1960s and 1970s, the large, diversified business group remains the dominant form of enterprise throughout most emerging markets. Some groups operate as holding companies with full ownership in many enterprises, others are collections of publicly traded companies, but all have some degree of central control.

As emerging markets open up to global competition, consultants and foreign investors are increasingly pressuring these groups to conform to Western practice by scaling back the scope of their business activities. The conglomerate is the dinosaur of organizational design, they argue, too unwieldy and slow to compete in today's fast-paced markets. Already a number of executives have decided to break up their groups in order to show that they are focusing on only a few core businesses. 

There are reasons to worry about this trend. Focus is good advice in New York or London, but something important gets lost in translation when that advice is given to groups in emerging markets. Western companies take for granted a range of institutions that support their business activities, but many of these institutions are absent in other regions of the world. Without effective securities regulation and venture capital firms, for example, focused companies may be unable to raise adequate financing; and without strong educational institutions, they will struggle to hire skilled employees.

Communicating with customers is difficult when the local infrastructure is poor, and unpredictable government behavior can stymie any operation, although a focused strategy may enable a company to perform a few activities well, companies in emerging markets must take responsibility for a wide range of functions in order to do business effectively. 

In the case of product markets, buyers and sellers usually suffer from a severe dearth of information for three reasons. First, the communications infrastructure in emerging markets is often under-developed. Even as wireless communication spreads throughout the West, vast stretches in countries such as China and India remain without telephones. Power shortages often render the modes of communication that do exist ineffective. The postal service is typically inefficient, slow, or unreliable; and the private sector rarely provides efficient courier services. High rates of illiteracy make it difficult for marketers to communicate effectively with customers. 

Second, even when information about products does get around, there are no mechanisms to corroborate the claims made by sellers. Independent consumer - information organizations are rare, and government watchdog agencies are of little use. The few analysts who rate products are generally less sophisticated than their counterparts in advanced economies. 

Third, consumers have no redress mechanisms if a product does not deliver on its promise. Law enforcement is often capricious and so slow that few who assign any value to time would resort to it. Unlike in advanced markets, there are few extrajudicial arbitration mechanisms to which one can appeal. 

As a result of this lack of information, companies in emerging markets face much higher costs in building credible brands than their counterparts in advanced economies. In turn, established brands wield tremendous power. A conglomerate with a reputation for quality products and services can use its group name to enter new businesses, even if those businesses are completely unrelated to its current lines. Groups also have an advantage when they do try to build up a brand because they can spread the cost of maintaining it across multiple lines of business. Such groups then have a greater incentive not to damage brand quality in anyone business because they will pay the price in their other businesses as well.

The writer has cited some hurdles in the case of product markets regarding shortage of information. Which of the following statement(s) in this regard is / are true?
 I. Communications infrastructure in emerging markets is often underdeveloped.
 II. Postal service is typically inefficient, slow or unreliable.
 III. High rates of illiteracy make it difficult for marketers to communicate effectively with customers.

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If the census tells us that India has two or three hundred languages, it also tells us, I believe, that Germany has about fifty or sixty languages. I do not remember anyone pointing out this fact in proof of the disunity or disparity of Germany. As a matter of fact, a census mentions all manner of petty languages, sometimes spoken by a few thousand persons only; and often dialects are classed for scientific purposes as different languages. India seems to me to have surprisingly few languages, considering its area. Compared to the same area in Europe, it is far more closely allied in regard to language, but because of widespread illiteracy, common standards have not developed and dialects have formed. The principal languages of India are Hindustani (of the two varieties, Hindi and Urdu), Bengali, Gujarati, Marathi, Tamil, Telugu, Malayalam and Kannada. If Assamese, Oriya, Sindhi, Kashmiri, Pushtu and Punjabi are added, the whole country is covered except for some hill and forest tribes. Of these, the Indo-Aryan languages, which cover the whole north, centre and west of India, are closely allied; and the southern Dravidian languages, though different, have been greatly influenced by Sanskrit, and are full of Sanskrit words. 

One of the reasons why there are many dialects in India is-