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The public sector banks are witnessing in India a period of transition and are at crossroads, where they without giving up social responsibility, should also remain healthy. They need to undertake risky experiments, yet perform it innovatively in a way it does not fail. They should make forays into new areas which are rarely tread by them and lose no emerging opportunities. It should be understood that absence of any bad advance is no sign of efficient banking system. It only indicates immense conservatism. However this is no guarantee for profit. There should be a balance between liquidity and risk. Past sins should be forgotten. Novel and pragmatic techniques should be adopted without which banks would be in danger.

What would happen if novel and pragmatic techniques are ignored?

Direction: 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.

Princess Chandravati was very beautiful. She loved all kinds of ornaments and always wanted to wear the most precious and lovely jewels. Once, a jeweler came to the palace and gifted the King a wonderful diamond necklace. It glittered with big and small diamonds. It was certainly a very expensive necklace. The princess fell in love with it as soon as she saw it. So, the king presented it to her.
 From that day on, the princess always wore that necklace, wherever she went. One day before, going for a swim in the pond, she took the necklace off and put in the hands of her oldest and the most trustworthy servant. "Hold this and be careful. This is the most precious necklace in the whole world, " she said. The Servant was an old woman. She sat under tree, holding the ornament tightly and waited for the princess. It was a hot afternoon and the servant was very tired so she dozed off under the tree. Suddenly the servant felt that someone was tugging at the necklace and she woke up with a start. She looked around but it no one was there and the necklace was gone. Scared out of her wits, the old servant started screaming. On hearing her scream the royal guards rushed to her. She pointed towards the direction in which the thief may have gone and the guards ran off that way.
 There was a poor and dim-witted farmer walking on the same road. As soon as he saw the royal guards running towards him, he thought that they wanted to catch him and started running. But he was not a strong man and could not outrun the hefty guards. The royal guards caught him in no time. “Where is it? " they demanded. shaking him. “Where is what? " the poor farmer stammered back. The necklace you stole!" thundered one of the royal guards. The farmer had no idea what they were talking about. He only understood that some precious necklace was lost and he was supposed to have it. He quickly replied, " I don't know where it is now. I gave it to my landlord.”

The guards ran towards the landlord 's house. "Give us the necklace right now ! " the guards demanded of the at landlord. "Necklace? I don’t have any!" the stunned landlord replied. Then tell us quickly who “does demanded the soldiers. In order to get the royal guards off his back, the landlord pointed towards a priest who was walking by his house and said, "He does." The guards now caught hold of the priest who was walking towards the temple and thinking about the lunch he had just eaten. The priest was stunned when one of the burly guards jumped on him and asked about the necklace. He remembered that the minister, Bhupathi, was at the temple. He took the guards to the temple and pointed towards the praying minister, “I gave it to him, "he said. Bhupati too was caught and all four men were thrown in jail. The Chief Minister of the kingdom knew Bhupati well and was sure that Bhupati would never steal. He decided to find out who the culprit was. He hid near the jail where all four men were put and heard them talking First, Bhupati asked the priest, “Panditji, why did you say that you gave the necklace to me? I was quietly praying at the temple and now you have landed me in jail for no fault of mine.” The priest looked apologetic. He pointed towards the landlord and said, " I didn’t know what to say. He set the " guards on me. I was simply passing by his house and was on my way to the temple." The landlord looked at the priest sheepishly. Then he turned towards the poor farmer and yelled. “You lazy good-for-nothing man! Why did you say that I had the necklace? " The farmer, trembling under the angry gaze of all three men, said, " I was just walking home. The guards caught me and I did not know what to say." On hearing, this conversation, he Chief Minister understood that all the four men were innocent. He immediately ordered the royal guards to search thoroughly, near the pond. The guards searched high and low till they saw something clinging the tree. On the tree sat a monkey with the princess’ favorite necklace around his neck. It took a lot of coxing and bananas before the monkey threw the necklace on the ground. The’ king apologized to at the four men and gave them gold coins as compensation. He requested his daughter to wear the necklace only indoors.

Why did the landlord lie about the necklace? 

Read the following passage carefully and give answer the question.
Great books do not spring from something accidental in the great men who write them. They are the affluence of their very core, the expression of the life itself of the authors. And literature cannot be said to have served its true purpose until it has been translated into the actual life of him who reads. It is the vast reservoir of true ideas and emotions. In a world deprived of literature, the broad, the noble, the generous would tend to disappear and life would be correspondingly degraded because the wrong idea and the petty emotion would never feel the upward pull of the ideas and emotions of genius. Only by conceiving a society without literature can it be clearly realized that the function of literature is to raise the plain towards the top level of the peaks. Literature exists so that where a man has lived finely, ten thousand may afterward live finely. it is a means of life, it concerns the living essence.

If a world is deprived of literature, what would happen to the broad, the noble and the generous?

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 , according to the passage, is/are needed for economic success of a country?
A. Cheap labour
B. Educated employees
C. Research institutions to cater to development

Read the given passage and answer the questions that follow.
Design has manifold applications and usages ranging from the most obvious or surface-level usages to the subtler and indirect usages that have far-reaching and deeper impact. The significance of design lies in its ability to fulfil these demands, whether aesthetic, teleological or semiotic. By aesthetics, it is broadly understood as its sensory and beauty values, i.e. Concerned with the judgment of visual taste, here it is meant as the sensory appreciation of graphic design. While by functionality is meant the practical aspects of a given graphic design such as usability, communicability, readability and making an impact. Its efficiency lies in its ability to do so. Design has function as well as some purpose. In theoretical terms the ability of design to fulfil the function or purpose is called ‘teleology’ of design. Apart from the above two, there is one more aspect of design called ‘content’ or meaning of design that can be broadly called as semiotic value of design. A simple discussion might elaborate this case. Food has taste that caters to our taste buds which is a sensory quality of food. Sometimes the colour of food is attractive therefore we like it and probably other times we get attracted towards it because it is presented in an appealing manner. Aroma, taste and decoration or garnishing cater to our sensory expectations. Food also has nutritional value that is concerned with supplying energy to the body that helps in its overall physical growth and maintenance of general health and work efficiency and at times such food may not be visually attractive. This is the teleological significance. Now if the food is cooked by a mother, sister or wife, then it has a special meaning and a highly personal significance attached to it. It may not be very nutritious or properly garnished, still the food will have its own unique significance which is the semiotic value of the food. 

What is the passage mainly about?

A passage is given with 5 Questions following it. Read the passage carefully and choose the best answer to each question out of the four alternatives and click the button corresponding to it.

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 full form of PDS is 

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.

Which of the following factors was/were responsible for neglect of the farming sector after the Green Revolution?
(i) Steel and cement sectors generated more revenue the government as com- pared to agriculture.
(ii) Large scale protests against favouring agriculture the cost of other important sectors such as education and health care.
(iii)Attention of policy-makers and aid organisations was diverted from agriculture to other sectors. 

A vexed problem facing us is the clamour to open more colleges and to reserve more seats for backward classes. But it will be a sheer folly to expand such facilities recklessly without giving any thought to the quality of education imparted. If admissions are made far more selective, it will automatically reduced the number of entrants. This should apply particularly colleges, many of which are little more than degree factories. Only then can the authorities hope to bring down the teacher-student ratio to manageable proportion. What is more, teachers should be given refresher courses, every summer to brush up their knowledge. Besides, if college managements increase their library budget it will help both the staff and the to new students a great deal. 
At the same time, however, it will be unfair to deny college education to thousands of young men and women, unless employers stop insisting on degrees even for clerical jobs. For a start, why can't the Government disqualify graduates from securing certain jobs, say class III and IV posts? Once the link between degrees and jobs is severed at least in some important departments, in will make young people think twice before joining college. 

What can automatically help to reduce admission: