Directions: Read the following. passage carefully and answer the questions given below it. Certain words/phrases have been printed in bold to help you locate them while answering some of the questions. 

In February 2010 the Medical Council of India announced a major change in the regulation governing the establishment of medical colleges. With this change, corporate entities were permitted to open medical colleges. The new regulation also carried the following warning: "permission shall be withdrawn if the colleges resort to commercialization". Since the regulation does not elaborate on what constitutes "resorting to commercialisation", this will presumably be a matter left to the discretion of the Government. 

A basic requirement for a new medical college is a preexisting hospital that will serve as a teaching hospital. Corporate entities have hospitals in the major metros and that is where they will have to locate medical colleges.The earlier mandated land requirement for a medical college campus, minimum of 25 acres of contiguous land, cannot be fulfilled in the metros. Not surprisingly, yet another tweak has been made in the regulation, prescribing 10 acres as the new minimum campus size for 9 cities including the main metros. With this, the stage is set for corporate entities to enter the medical education market. 

Until now, medical education in India has been projected as a not-for- profit activity to be organised for the public good. While private bodies can run medical colleges, these can only be societies or trusts, legally non-profit organizations. In opening the door to corporate colleges, thus, a major policy change has been effected without changing the law or even a discussion in Parliament, but by simply getting a compliant MCI to change the regulation on establishment of medical colleges. This and other changes have been justified in the name of addressing the shortage of doctors. At the same time, over 50, existing medical colleges, including 15 run by the government, have been prohibited from ad- mitting students in 2010 for having failed to meet the basic standards prescribed. Ninety per cent of these colleges have come up in the last 5 years. Particularly shocking is the phenomenon of government colleges falling short of standards approved by the Government. Why are state government institutions not able to meet the requirements that have been approved by the central government? A severe problem faced by government-run in- situations is attracting and retaining teaching faculty, and this is likely to be among the major reasons for these colleges failing to satisfy the MCI norms. The crisis building up on the faculty front has been flagged by various commissions looking into problems of medical education over the years. 

An indicator of the crisis is the attempt to conjure up faculty when MCI carries out inspections of new colleges, one of its regulatory functions. Judging by news reports, the practice of presenting fake faculty-students or private medical practitioners hired for the day -during MCI inspections in private colleges is common. What is interesting is that even government colleges are adopting unscrupulous methods. Another indicator is the extraordinary scheme, verging on the ridiculous that is being put in place by the MCI to make inspections 'foolproof. Faculty in all medical colleges are to be issued an RFID based smart card by the MCI with a unique Faculty Number. The Card, it is argued, will eliminate the possibility of a teacher being shown on the faculty of more than one college and establish if the qualifications of a teacher are genuine. In the future it is projected that biometric RFID readers will be installed in the colleges that will enable a Faculty from within the college and even remotely from MCI headquarters.

The picture above does not even start to reveal the true and pathetic situation of medical care especially in rural India. Only a fraction of the doctors and nursing professionals serve rural areas where 70 per cent of our population lives. The Health Ministry, with the help of the MCI, has been active in proposing yet another 'innovative' solution to the problem of lack of doctors in the rural areas. The proposal is for a three-and-a-half year course to obtain the degree of Bachelor of Rural Medicine and Surgery (BRMS). Only rural candidates would be able to join this course. The study and training would happen at two different levels -Community Health Centers for 18 months, and sub-divisional hospitals for a further period of 2 years and be conducted by retired professors. After completion of training, they would only be able to serve in their own state in district hospitals, community health centers, and primary health centers.

The BRMS proposal has invited sharp criticism from some doctors' organisations on the grounds that it is discriminatory to have two different standards of health care -one for urban and the other for rural areas, and that the health care provided by such graduates will be compromised. At the other end is the opinion expressed by some that "something is better than nothing", that since doctors do not want to serve in rural areas, the government may as well create a new cadre of medics who will be obliged to serve there. The debate will surely pick up after the government formally lays out its plans. What is apparent is that neither this proposal nor the various stopgap measures adopted so far address the root of the problem of health care. The far larger issue is government policy, the low priority attached by the government to the social sector in particular, evidenced in the paltry allocations for maintaining and upgrading medical infrastructure and medical education and for looking after precious human resoureces. 

Which of the following are the different opinions regarding the BRMS proposal?/

(1) At least a small step has been taken to improve the health care facilities in the rural areas through this proposal.
(2) There should be uniform healthcare facilities available for people living in both rural and urban areas.
(3) The healthcare providers through this proposal would not be up to the mark.

Directions: Read the following passage carefully and answer the questions given below it. Certain words are printed in bold to help you locate them while answering some of the questions.
We have witnessed several disasters in recent times, some natural others man made. The frequency of such calamities has injured us and deadened our collective sensitivity, but that does not reduce the enormity of the - personal tragedy of each victim's family and community. The economic loss is only secondary to the human suffering, but is also substantial. The Government whether State or Central has standardised its response. This consists of reacting late, blaming others, visits by VIPs announcing a relief package including compensation for those affected and then forgetting all about it. There seems to be little attempt at drawing lessons from each disaster, storing the knowledge for future use , long term planning for possible pre - emptive action. Prepared ness for disasters thus falls short of what is possible using today ' s technologies.

Floods in many parts of India like the states of Bihar and Assam area yearly phenomenon. Yet the government seems to be caught by surprise year after year. It is obvious that tarpaulins, vaccines, medicines, clothes, satellite phones, large numbers of doctors and paramedical staff etc. will be needed as will boats and buses for evacuation. This is known to all those who have combated emergencies yet the non - availability of these essential services and commodities occurs. Worse the organizational structure and mechanisms for dealing with disasters are lethargic and ill defined. The National Disaster Management Agency, set up a short time ago being a central government agency has limitations relating to infringing the jurisdiction of states. It could have aggregated and disseminated experiences and knowledge, stocked many of the essential items required in an emergency or worked with agencies to ensure sufficient stocks, but hasn’t.

While the reaction to major disasters is dismal, the response to emergencies like accident is equally sad. Victim lie unattended since passersby are wary of getting caught in a labyrinthine of police and legal systems. The resulting delay in treatment con verts injuries into deaths. Of late, unique and free service to provide assistance in emergency cases is operational. Emergency Management and Research Institute (EMRI) is a professionally managed operation - initiated by the vision and grant from Ramalinga Raju. The service , which is a successful example of public private partnership likely to become operational in a few states in the near future . Given the sad failure of conventional government organisations in handling disaster, it is time we looked at the PPP model as an alternative without the government seeking in any way to abdicate its responsibility. While the state provides the funding, private organizations will provide the drive, professionalism, competent management and output linked efficiency of a good corporate organization. Combining the sensitivity and purpose of an NGO with private entrepreneurial drive to handle disasters together is thus a worthwhile challenge for both corporates and the government .

What does the author consider "a worthwhile challenge for both corporates and the government " ?

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?

Instructions Read the following passage carefully and answer the questions given it. Certain word/phrases have been printed in ‘’bold’’ to help you to locate them while answering some of the questions.
India is rushing headlong towards economic success and modernisation, counting on high-tech industries such as information technology and biotechnology to propel the nation to prosperity. India’s recent announcement that it would no longer produce unlicensed inexpensive generic pharmaceuticals bowed to the realities of the World Trade Organisation while at the same time challenging the domestic drug industry to compete with the multinational firms. Unfortunately, its weak higher education sector constitutes the Achilles’ heel.
of this strategy. Its systematic disinvestment in higher education in recent years has yield neither world-class research nor very many highly trained scholars, scientists or managers to sustain high-tech development. India’s main competitor especially China buts also Singapore, Taiwan and South Korea are investing in large and ‘’differentiated’’ higher education systems. They are providing access to large number of students at the bottom of the academic system while at the same time building some research-based universities that are able to compete with the world’s best institutions. The recent London Times Higher Education Supplement ranking of the world’s top 200 universities included three in China, three in Hong Kong three in South Korea. one in Taiwan, and one in India. These countries are positioning themselves for leadership in the knowledge based economies for coming era. There was a time when countries could achieve economic success with cheap labour and low-tech manufacturing. Low wages still help, but contemporary large-scale development requires a sophisticated and at least partly knowledge based economy. India has chosen that path, but will find a major stumbling block in its universities system. India has significant advantages in the 21st century knowledge race. It has a large higher education sector --- the third largest in the world in student numbers, after China and the United States. It uses English as a primary language of higher education and research. It has a long academic tradition. Academic freedom is respected. There are a small number of highly quality institutions, departments, and centres that can form the basis of quality sector in higher education. The fact that the States, rather than the Central Government, exercise major responsibility for higher education creates a rather cumbersome structure, but the system allows for a variety of policies and approaches. Yet the weakness far outweigh the strengths. India educates approximately 10 per cent of its young people in higher education compared with more than half in the major industrialised countries and 15 per cent in China. Almost all of the world’s academic systems resemble a pyramid, with a small high quality tier at the top and a massive sector at the bottom. India has a tiny top tier. None of its universities occupies a solid position at the top. A few of the best universities have some excellent departments and centres and there are a small number of outstanding undergraduate colleges. The university Grants Commission’s recent major support of five universities to build on their recognised strength is a step toward recognising a differentiated academic system and fostering excellence. These universities, combined, enroll well under 1 percent of the student population. 

Which of the following is/are India’s weakness/es when it comes to higher education?
A. India universities do not have the requisite teaching faculty to cater to the needs of the higher education sector
B. Only five Indian universities occupy the top position very strongly, in the academic pyramid, when it comes to higher education
C. India has the least percentage of young population talking to higher education as comapred to the rest of the comparable countries.

Directions: Read the following passage carefully and answer the questions given below it. Certain words are printed in bold to help you locate them while answering some of the questions.
We have witnessed several disasters in recent times, some natural others man made. The frequency of such calamities has injured us and deadened our collective sensitivity, but that does not reduce the enormity of the - personal tragedy of each victim's family and community. The economic loss is only secondary to the human suffering, but is also substantial. The Government whether State or Central has standardised its response. This consists of reacting late, blaming others, visits by VIPs announcing a relief package including compensation for those affected and then forgetting all about it. There seems to be little attempt at drawing lessons from each disaster, storing the knowledge for future use , long term planning for possible pre - emptive action. Prepared ness for disasters thus falls short of what is possible using today ' s technologies.

Floods in many parts of India like the states of Bihar and Assam area yearly phenomenon. Yet the government seems to be caught by surprise year after year. It is obvious that tarpaulins, vaccines, medicines, clothes, satellite phones, large numbers of doctors and paramedical staff etc. will be needed as will boats and buses for evacuation. This is known to all those who have combated emergencies yet the non - availability of these essential services and commodities occurs. Worse the organizational structure and mechanisms for dealing with disasters are lethargic and ill defined. The National Disaster Management Agency, set up a short time ago being a central government agency has limitations relating to infringing the jurisdiction of states. It could have aggregated and disseminated experiences and knowledge, stocked many of the essential items required in an emergency or worked with agencies to ensure sufficient stocks, but hasn’t.

While the reaction to major disasters is dismal, the response to emergencies like accident is equally sad. Victim lie unattended since passersby are wary of getting caught in a labyrinthine of police and legal systems. The resulting delay in treatment con verts injuries into deaths. Of late, unique and free service to provide assistance in emergency cases is operational. Emergency Management and Research Institute (EMRI) is a professionally managed operation - initiated by the vision and grant from Ramalinga Raju. The service , which is a successful example of public private partnership likely to become operational in a few states in the near future . Given the sad failure of conventional government organisations in handling disaster, it is time we looked at the PPP model as an alternative without the government seeking in any way to abdicate its responsibility. While the state provides the funding, private organizations will provide the drive, professionalism, competent management and output linked efficiency of a good corporate organization. Combining the sensitivity and purpose of an NGO with private entrepreneurial drive to handle disasters together is thus a worthwhile challenge for both corporates and the government .

Directions: Choose the word which is most OPPOSITE in meaning to the word printed in bold as given in the passage.
Lethargic 

Read the given passage and answer the questions that follow.

Pollution befouls the air and poisons water. Pollution induces the release of toxicants into the biosphere which makes the air unsuitable for breathing, harms the quality of water and soil, and causes the emission of substances that may cause damage to humans, plants and animals.
To cater to the needs of an increasing population, agriculture has been intensified through the use of a wide spectrum of fertilizers and pesticides. Diverse industries have been set up to produce chemicals including those that pose a danger to all life forms.

Rapid industrialisation has led to deterioration in the quality of air. Widespread use of coal and fossil fuels in industries and petroleum fuel in motor vehicles has aggravated the air pollution problem. Our atmosphere seems to have become a waste basket into which dust, noxious fumes, toxic gases and other pollutants are callously thrown.

The intensity of air pollution in Indian cities is increasing primarily due to our vintage vehicles and their poor performance. Water pollution, too has increased with the growth of our population and also that of our industries. Water pollution has acquired dangerous dimensions ever since sewage and industrial effluents have started being disposed of into the rivers.

Once considered sacred, the rivers are now turning murky and stink. It is sad that almost three-fourths of our fellow citizens have no choice but to drink filthy water. The severely polluted rivers due to mindless dumping of sewage and industrial wastes are a cause for concern not only to us humans but also to myriads of life forms that exist in water.

On the French and Italian rivier as we can no longer see the sparkling blue waters. The Mediterranean Sea is reported to be turning grey. Rivers and canals pour sewage, detergents and industrial waste into the sea; tankers flush their contents near the river or sea; bottles, rotting garbage and oil slicks are washed into the beaches. The phosphates and nitrates applied to farmlands as inorganic fertilizers, concentrate in lakes and estuaries causing algal blooms due to which wide expanses of water get choked, plants rot, oxygen is used up and fish die.

As per the passage, which of these statements is NOT true about air pollution?

Directions: Read the passage given below and answer the questions that follow based on the information given in the passage.

IN GORILLA society, power belongs to silverback males. These splendid creatures have numerous status markers besides their back hair: they are bigger than the rest of their band, strike space-filling postures, produce deeper sounds, thump their chests lustily and, in general, exude an air of physical fitness. Things are not that different in the corporate world. The typical chief executive is more than six feet tall, has a deep voice, a good posture, a touch of grey in his thick, lustrous hair and, for his age, a fit body. Bosses spread themselves out behind their large desks. They stand tall when talking to subordinates. Their conversation is laden with prestige pauses and declarative statements. The big difference between gorillas and humans is, of course, that human society changes rapidly. The past few decades have seen a striking change in the distribution of power—between men and women, the West and the emerging world and geeks and non-geeks.

Women run some of America’s largest firms, such as General Motors (Mary Barra) and IBM (Virginia Rometty). More than half of the world’s biggest 2,500 public companies have their headquarters outside the West. Geeks barely out of short trousers run some of the world’s most dynamic businesses. Peter The, one of Silicon Valley’s leading investors, has introduced a blanket rule: never invest in a CEO who wears a suit. Yet it is remarkable, in this supposed age of diversity, how many bosses still conform to the stereotype. First, they are tall: in research for his 2005 book, “Blink”, Malcolm Gladwell found that 30% of CEOs of Fortune 500 companies are 6 feet 2 inches or taller, compared with 3.9% of the American population. People who “sound right” also have a marked advantage in the race for the top. Quantified Communications, a Texas-based company, asked people to evaluate speeches delivered by 120 executives. They found that voice quality accounted for 23% of listeners’ evaluations and the content of the speech only accounted for 11%.
 Academics from the business schools of the University of California, San Diego and Duke University listened to 792 male CEOs giving presentations to investors and found that those with the deepest voices earned $187,000 a year more than the average.
 Physical fitness seems to matter too: a study published this month, by Peter Limbach of the Karlsruhe Institute of Technology and Florian Sonnenburg of the University of Cologne, found that companies in America’s S&P 1500 index whose CEOs had finished a marathon were worth 5% more on average than those whose bosses had not.

Which of the following statement is false in the context of the passage?

Directions: Read the passage given below and answer the questions that follow based on the information given in the passage.

IN GORILLA society, power belongs to silverback males. These splendid creatures have numerous status markers besides their back hair: they are bigger than the rest of their band, strike space-filling postures, produce deeper sounds, thump their chests lustily and, in general, exude an air of physical fitness. Things are not that different in the corporate world. The typical chief executive is more than six feet tall, has a deep voice, a good posture, a touch of grey in his thick, lustrous hair and, for his age, a fit body. Bosses spread themselves out behind their large desks. They stand tall when talking to subordinates. Their conversation is laden with prestige pauses and declarative statements. The big difference between gorillas and humans is, of course, that human society changes rapidly. The past few decades have seen a striking change in the distribution of power—between men and women, the West and the emerging world and geeks and non-geeks.

Women run some of America’s largest firms, such as General Motors (Mary Barra) and IBM (Virginia Rometty). More than half of the world’s biggest 2,500 public companies have their headquarters outside the West. Geeks barely out of short trousers run some of the world’s most dynamic businesses. Peter The, one of Silicon Valley’s leading investors, has introduced a blanket rule: never invest in a CEO who wears a suit. Yet it is remarkable, in this supposed age of diversity, how many bosses still conform to the stereotype. First, they are tall: in research for his 2005 book, “Blink”, Malcolm Gladwell found that 30% of CEOs of Fortune 500 companies are 6 feet 2 inches or taller, compared with 3.9% of the American population. People who “sound right” also have a marked advantage in the race for the top. Quantified Communications, a Texas-based company, asked people to evaluate speeches delivered by 120 executives. They found that voice quality accounted for 23% of listeners’ evaluations and the content of the speech only accounted for 11%.
 Academics from the business schools of the University of California, San Diego and Duke University listened to 792 male CEOs giving presentations to investors and found that those with the deepest voices earned $187,000 a year more than the average.
 Physical fitness seems to matter too: a study published this month, by Peter Limbach of the Karlsruhe Institute of Technology and Florian Sonnenburg of the University of Cologne, found that companies in America’s S&P 1500 index whose CEOs had finished a marathon were worth 5% more on average than those whose bosses had not.

According to the passage, what is blanket rule?