You have eight brief passages with 10 questions following each passage. Read the passages carefully and choose the best answer to each question out of the four alternatives

There is a general consensus that ‘International Understanding’ need to be taught as a separate subject at the school stage as that would add to the curricular load which is already too heavy. Instead it should be woven into the curriculum and the numerous opportunities that present themselves while teaching normal school subjects may be intelligently and imaginatively used by the teacher to promote International Understanding.

The school subjects which can be most profitably used for this purpose are History, Geography, Civics, Economics, Sociology, Political Science, Social Sciences, Languages as well as Physical and Life Sciences. However, at the higher education level, international education can be prescribed as a separate subject of study. In fact, the present situation in India broadly conforms to this consensus so far as the school stage is concerned.

At the under-graduate and the post-graduate levels, courses of study in subjects like History, Geography, Economics, Political Science, International Relations, International Law and International Organization have been prescribed by most of the universities and these contain content which has a direct or indirect bearing on promoting UNESCO ideals

How International Understanding can be taught at the school level?

Directions: In the following passage, there are blanks, each of which has been numbered. Against every five words are suggested one of which fits the blank appropriately. Find out the appropriate word in each case.

The world of finance can be __(A)_, but understanding key concepts and strategies can help investors make __(B)_ decisions. One important concept is the time value of money, which refers to the fact that a dollar today is worth more than a dollar in the future. This is because money can be invested and earn _(C)__ over time, meaning that a dollar today has the potential to grow into more than a dollar in the future. Risk tolerance is another important consideration when it comes to investing. The level of risk an investor is willing to take on should be carefully __(D)_ against the potential for return. Generally, the higher the risk of an investment, the higher the potential return, but also the higher the potential for loss.

When investing in the stock market, investors have several strategies to choose from. Value investing involves looking for stocks that are trading at a lower price than their intrinsic value, while growth investing involves looking for companies that are expected to grow at a faster rate than the overall market. Regardless of the strategy chosen, it's important to __(E)_ a portfolio across different asset classes to reduce overall risk and maximize potential gains.

Which of the following words most appropriately fits the blank labelled (A)?

Read the following passage and answer the questions given after it.

The stark observation made in the Economic Survey of 2015-16 that “Indian agriculture, is in a way, a victim of its own past success – especially the green revolution”, shows the dark reality of the agriculture sector at present and the havoc that has been wreaked by the green revolution.

The green revolution, which is often characterised by the introduction of high-yielding variety of seeds and fertilisers, undoubtedly increased the productivity of land considerably. But the growth in the productivity has been stagnant in recent years, resulting in a significant decline in the income of farmers. There have also been negative environmental effects in the form of depleting water table, emission of greenhouse gases, and the contamination of surface and ground water. Needless to say, the agriculture sector is in a state of distress, which is severely affecting peasants and marginal farmers, and urgent policy interventions are required to protect their interests.

The government has responded to the problem by constituting a panel, which will recommend ways to double the income of farmers by 2022. While this may be an overtly ambitious target, if we want to boost stagnated agricultural growth a shift has to be made from food security of the nation to income security of the farmers. However, there are many hurdles that have to be crossed if we want to achieve this objective.

The first major barrier to overcome is declining productivity. Data from 2013 reveals that India’s average yield of cereal per hectare is far less than that of many countries (including several low income countries), but the difference is huge when compared to China. For instance, our average yield per hectare is 39% below than that of China and for rice this figure is 46%. Even Bangladesh, Vietnam and Indonesia fare better than India in case of rice yield. Further, there is a huge inter-regional variation; the wheat and rice yield from Haryana and Punjab is much higher than from the other states.

In order to cross the declining productivity barrier there is a need to herald a rainbow revolution by making a shift from wheat-rice cycle to other cereals and pulses. Since wheat and rice coupled with other crops are backed by minimum support prices (MSP) and input subsidy (whether water, fertiliser or power) regime, there is a huge incentive for the farmers in the irrigated region of Northwest India to grow these crops.

Which statement is NOT true according to the passage?High yielding seeds 

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 A

Read the passage given below and answer the questions that follow.

It is well accorded that COVID-19 extracts a huge toll on the mental health of patients and leaves behind a slew of neurological sequelae in its wake. However, what is alarming is the wide gamut of mental and neurological disorders seen even in those with milder symptoms. Such patients frequently reported being anxious, depressed and having difficulty in sleeping. A higher incidence of frank psychosis manifesting as disorganization of thought processes and personality disorders was also reported. Many survivors of COVID19 had to battle substance abuse in its immediate aftermath. There was a steep increase in the amount of alcohol consumed by regular drinkers. Persons who had stopped smoking and consuming alcohol resumed their habit in disconcerting numbers.

The occurrence of neurodegenerative disorders like Parkinsonism is concerning as this would bring longterm disability in the form of impaired mobility and memory decline. It has been hypothesized that the causative mechanism for many of the neurological conditions due to COVID-19 may be the direct invasion of the nervous system by the virus, an increased tendency to blood clotting or an exaggerated immune response by the body. Various other factors like pre-existing psychiatric illness, prolonged quarantine, perceived lack of organizational support, and social stigma are risk factors. Anxiety, Nervousness, and Posttraumatic stress disorder are often fuelled by fear of infecting other family members, physical distancing, loneliness, and ________ at home in cramped quarters.

The pandemic has radically transformed the way businesses function and services delivered. Remote working disrupts a healthy-work life balance. Face to face contact and human interactions which were considered so essential for emotional well-being has taken a backseat. Lack of comforting physical contact like shaking hands and hugging friends is stressful and disconcerting. Online classes and home-schooling have placed a gargantuan burden both on students and parents. Lack of access to reliable computer hardware and spotty internet connections, particularly in rural areas and in the economically backward have created a new class divide. Children have been deprived of co-curricular activities, participation in group events and sports which is essential for their holistic development. Mental stress and fatigue have increased manyfold due to the rigours imposed by virtual learning.

What is the hypothesis behind the many neurological conditions arising due to COVID-19?

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'.

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.

What will fit in the blank taken from the passage: 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. "

Read the following passage and answer the questions given after it.

Wetlands are amongst the most productive ecosystems on the Earth and provide many important services to human society. They exhibit enormous diversity according to their genesis, geographical location, water regime and chemistry, dominant species, and soil and sediment characteristics. Globally, the areal extent of wetland ecosystems ranges from 917 million hectares (m ha) to more than 1275 m ha. One of the first widely used wetland classifications systems, devised by Cowardin et al., 1979, categorized wetlands into marine (coastal wetlands), estuarine (including deltas, tidal marshes, and mangrove swamps), lacustrine (lakes), riverine (along rivers and streams), and palustrine ( marshes, swamps and bogs) based on their hydrological, ecological and geological characteristics.

Ramsar Convention on Wetlands was an international treaty signed in 1971. Overall, 1052 sites in Europe; 289 sites in Asia; 359 sites in Africa; 175 sites in South America; 211 sites in North America; and 79 sites in Oceania region have been identified as Ramsar sites or wetlands of International importance.

As per the Ramsar Convention definition most of the natural water bodies (such as rivers, lakes, coastal lagoons, mangroves, peat land, coral reefs) and man- made wetlands (such as ponds, farm ponds, irrigated fields, sacred groves, salt pans, reservoirs, gravel pits, sewage farms and canals) in India constitute the wetland ecosystem distributed in different geographical regions ranging from Himalayas to Deccan plateau. As of February, 2022, India has 49 Ramsar sites covering an area of 10,93,636 hectares, the highest in South Asia. As per the estimates, India has about 757.06 thousand wetlands with a total wetland area of 15.3 m ha, accounting for nearly 4.7% of the total geographical area of the country . Out of this, areas under inland wetlands accounts for 69%, coastal wetlands 27%, and other wetlands (smaller than 2.25 ha) 4%.

Gujarat has the highest proportion (17.5%) and Mizoram has the lowest proportion (0.66%) of the area under wetlands. Among Union Territories, Lakshadweep has the highest proportion (around 96%) and Chandigarh has the least proportion (3%) of geographical area under wetlands.

Which of the following questions cannot be answered after reading the above passage?