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'.

Read the following passage carefully and answer the questions given below it. Certain words have been highlighted for your attention.

Most people spend (on average) half of their day tapping away at their hand-held devices. Either, surfing the net or checking notifications. Facebook ranks the highest in all social networking platforms, followed by Twitter, Instagram and so forth.

Social media is addictive- which is why so many people are 'hooked'. Often referred to as Social networking addiction, this phrase is often used to describe someone who spends too much time on Facebook, Twitter, Instagram and other channels. A blog post, Instagram post, tweet, or youtube video can be produced easily by anyone and shared, which can then be viewed by millions for free. Psychologists and scientists have now taken the time to study social media in terms of why they believe it interferes with aspects of our daily life. There is no official medical term that identifies addiction and social networking. It cannot be deemed as a disease or disorder as the cases are not severe and the habit can easily be maintained or prevented. Furthermore, instead of spending long periods of time on social media, we dip into and out of these sites all day long. We check for updates from friends and family as well as news and information. However, the behavior associated with the excessive use of these channels has become the subject of much public and sociological debate. We actively post, like, comment and share personal posts. Not only that, we tend to share and reshare expressions (of either negative or positive) contagiously. But, why?

Scientists believed some years ago that, dopamine was simply a pleasure chemical in the brain. Recent studies have shown that; dopamine actually produces the desire in people to 'want' by drawing out the need for us to -seek and search. Creating the ultimate drive to find what is that what we want.

Dopamine is spontaneous. It’s stimulated by unpredictability and small bits of information as well as reward cues which are the same conditions that social media presents to all users. In addition, the pull of dopamine is so strong that recent studies have shown that tweeting, for example, can be harder to resist than cigarettes and alcohol!

Researchers at Chicago University studied the effects of social media. They concluded quite quickly that people presented higher levels of addiction to social media than the need to smoke or drink. Media cravings ranked higher.

And, let’s not forget oxytocin, many call it the cuddle chemical because the brain releases pleasure chemicals that transpire usually when you kiss and hug- or tweet. It is also known as the hormone that builds the strong yet unique bond between mothers and their babies. Oxytocin is now regarded as the human stimulant of empathy, generosity, trust, and more. These are factors which many advertisers and marketers play on when promoting a brand or business over social media.

Nevertheless, problems have arisen most commonly with school kids - whereby mobile phone devices have been confiscated because exam results have fallen severely due to lack of attention on homework or studies. Schools in many westernized countries have had to take drastic action - banning smartphones, iPad and most portable devices from school premises- as it is claimed to be a huge distraction. Whereas, other schools use it for educational purposes and as a rewards system for their pupils.

Research has also indicated unsurprisingly that Facebook is the most common activity that university students switch to, when studying. Worryingly, it has also found that those who most engage in this type of internet browsing tend to have lower levels of educational achievement.

Also, there have been many cases of students posting or sharing content that is unethical, which has caused parents and academic institutions to limit the use of these online networking channels.

Why is Oxytocin regarded as the cuddle chemical?

Read the given passage and answer the questions that follow.

Chanhudaro was a tiny settlement (less than 7 hectares) as compared to Mohenjodaro (125 hectares), almost exclusively devoted to craft production, including bead-making, shellcutting, metal-working, seal-making and weight-making. The variety of materials used to make beads is remarkable: stones like carnelian (of a beautiful red colour), jasper, crystal, quartz and steatite; metals like copper, bronze and gold; and shell, faience and terracotta or burnt clay. Some beads were made of two or more stones, cemented together, some of stone with gold caps. The shapes were numerous – disc shaped, cylindrical, spherical, barrel-shaped, segmented. Some were decorated by incising or painting, and some had designs etched onto them.

Techniques for making beads differed according to the material. Steatite, a very soft stone, was easily worked. Some beads were moulded out of a paste made with steatite powder. This permitted making a variety of shapes, unlike the geometrical forms made out of harder stones. How the steatite micro bead was made remains a puzzle for archaeologists studying ancient technology. Archaeologists’ experiments have revealed that the red colour of carnelian was obtained by firing the yellowish raw material and beads at various stages of production. Nodules were chipped into rough shapes, and then finely flaked into the final form. Grinding, polishing and finally drilling completed the process. Specialised drills have been found at Chanhudaro, Lothal and more recently at Dholavira. Nageshwar and Balakot, both settlements are near the coast. These were specialised centres for making shell objects – including bangles, ladles and inlay – which were taken to other settlements. Similarly, it is likely that finished products (such as beads) from Chanhudaro and Lothal were taken to the large urban centres such as Mohenjodaro and Harappa.

Which is the final process in the production of beads?

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?

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

Which word out of the given options mean – ‘feeling of most people’?

Direction: 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. Many of us have a wide variety of responsibilities- familial, employment, educational, social – most of us even have all at the same time. Considering all our duties and the fact that time management is a (A) factor in our mental health, we cannot (B) to ignore any of them. If we plan our time better, we not only get more done, we are more efficient, satisfied and (C) yet relaxed; we are less likely to procrastinate over time. We experience less stress and more self-confidence and self-esteem. Put simply, this way we can attain (D) and reach our goals easily. To do this, firstly it is important to identify what your personal obstacles are. Then write a to-do list of what needs to be done. Start with the most to least important. (E) your work based on your values. Sometimes we won’t get everything done, but if we get the right things done, your day has a good ending. Keep in mind that time management is not about doing everything that needs to be done, at all costs but rather using appropriate time (F). Finally, remember to take a break and know your (G) for stress. Overworking is counterproductive and more often than not results in burnout. Remember, it doesn’t matter what the tasks are, learning to better manage your time to do them will result in less stress and more focus, productivity, efficiency and (in the end) relaxation.

(B) Find out the appropriate word in each case.

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.

Match the continents with the number of Ramsar sites.

continents no. of Ramsar sites

a. North America 1. 1052 sites

b. Europe 2. 211sites

c. Africa 3. 289 sites

d. Asia 4. 359 sites

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

Coffee was first discovered in Eastern Africa in an area we know today as Ethiopia. A popular legend refers to a goat herder by the name of Kaldi, who observed his goats acting unusually friskily after eating berries from a bush. Curious about this phenomenon, Kaldi tried eating the berries himself. He found that these berries gave him _______ energy. The news of this energy-loaded fruit quickly moved throughout the region. Coffee berries were transported from Ethiopia to the Arabian Peninsula and were first cultivated in what today is the country of Yemen. Coffee remained a secret in Arabia before spreading to Turkey and then to the European continent by means of Venetian trade merchants.

Coffee was first eaten as food though later people in Arabia would make a drink out of boiling the beans for its narcotic effects and medicinal value. Coffee for a time was known as Arabian wine to Muslims who were banned from alcohol by Islam. It was not until after coffee had been eaten as a food product, a wine, and a medicine that it was discovered, probably by complete accident in Turkey, that by roasting the beans a delicious drink could be made. The roasted beans were first crushed and then boiled in water, creating an unrefined version of the beverage we enjoy today. The first coffee houses were opened in Europe in the 17th Century and in 1675, the Viennese established the habit of refining the brew by filtering out the grounds, sweetening it, and adding a dash of milk. If you were to explore the planet for coffee, you would find about 60 species of coffee plants growing wild in Africa, Malaysia, and other regions. But only about ten of them are actually cultivated. Of these ten, two species are responsible for almost all the coffee produced in the world: Coffea Arabica and Coffea Canephora (usually known as Robusta). Because of ecological differences existing among the various coffee-producing countries, both types have undergone many mutations and now exist in many subspecies.

Coffee plants need special conditions to give a satisfactory crop. The climate needs to be hot-wet or hot temperate, between the Tropic of Cancer and the Tropic of Capricorn, with frequent rains and temperatures varying from 15 to 25 Degrees C. The soil should be deep, hard, permeable, and well irrigated, with well-drained subsoil. The best lands are the hilly ones or just-tilled woods. The perfect altitude is between 600 and 1200 meters, though some varieties thrive at 2000-2200 meters. Cultivation aimed at protecting the plants at every stage of growth is needed. Sowing should be in sheltered nurseries from which, after about six months, the seedlings should be moved to plantations in the rainy season where they are usually alternated with other plants to shield them from wind and excessive sunlight.

What did people in Arabia initially use coffee for before discovering its potential as a beverage?