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.

According to the passage, AU Small Finance Bank Limited was founded as

Read the given passage and answer the questions that follow.

Her name was Sulekha, but since her childhood everyone had been calling her Bholi, the simpleton. She was the fourth daughter of Ramlal. When she was ten months old, she had fallen off the cot on her head and perhaps it had damaged some part of her brain. That was why she remained a backward child and came to be known as Bholi, the simpleton. At birth, the child was very fair and pretty. But when she was two years old, she had an attack of smallpox. Only the eyes were saved, but the entire body was permanently disfigured by deep black pockmarks. Little Sulekha could not speak till she was five as she was a slow learner, and when at last she learnt to speak, she stammered. The other children often made fun of her and mimicked her. As a result, she talked very little. Ramlal had seven children — three sons and four daughters, and the youngest of them was Bholi. It was a prosperous farmer’s household and there was plenty to eat and drink. All the children except Bholi were healthy and strong. The sons had been sent to the city to study in schools and later in colleges. Of the daughters, Radha, the eldest, had already been married. The second daughter Mangla’s marriage had also been settled, and when that was done, Ramlal would think of the third, Champa. They were good-looking, healthy girls, and it was not difficult to find bridegrooms for them. But Ramlal was worried about Bholi. She had neither good looks nor intelligence. From her very childhood Bholi was neglected at home. She was seven years old when Mangla was married. The same year a primary school for girls was opened in their village. The Tehsildar sahib came to perform its opening ceremony. He said to Ramlal, “As a revenue official you are the representative of the government in the village and so you must set an example to the villagers. You must send your daughters to school.” That night when Ramlal consulted his wife, she cried, “Are you crazy? If girls go to school, who will marry them?” But Ramlal had not the courage to disobey the Tehsildar. At last his wife said, “I will tell you what to do. Send Bholi to school. As it is, there is little chance of her getting married, with her ugly face and lack of sense. Let the teachers at school worry about her.”

Which of these statements is NOT true about Bholi?

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 

A farmer accompanied by his young son was driving his ass to the market in the hope of selling the ass for a good price. On the road, they met a bevy of girls who laughed and exclaimed, “See this pair of fools ? They are trudging along the dusty road, when they can be riding !” The man thought that there was sense in what they were saying. So he mounted his son on the ass and he walked at the side. Presently, they met some of his old friends, who greeted him and said, “You’ll spoil your son, by letting him ride while you toil along on foot! Make him walk. It’ll be good for him.” The farmer followed their advice and took his son’s place on the back of the ass while the boy trudged along behind. They would not have gone far, they were seen by women and children. The farmer heard them say, “What a selfish old man ! He rides in comfort, but lets his poor little fellow walk the distance.” So he asked his son to get up behind him. Further along the road, they met some travellers. They asked the farmer whether the ass was his property or was it hired for the purpose. The farmer told them that he was taking his ass to the market to sell it. The travellers said, “Good Heavens ! With the load like this, the poor beast will look exhausted and no one would like to purchase him. Why don’t you carry him.” Immediately, the farmer got off the ass, tied its legs with the rope and slung him on a pole and carried him in between them. This was such an absurd sight that people laughed at it. They called the farmer and his son lunatics. They had then reached a bridge over a river. Frightened by the noise around, the ass struggled, kicked, broke the pole, fell into the river and died. The farmer returned home vexed and ashamed. In trying to please all, he in fact, had pleased none and he had lost the ass in the transaction. 

On seeing the boy walk beside the ass, the women and children  

Directions: Read the passage carefully and answer the questions that follow:

Over the years, there have been many cases of news breaking about plastic toys and their containment of toxins. In addition to the harmful ingredients that can be found in plastic, we also have to take into account the effect on the environment that plastic usage has.

The internet is flooding with ways to reduce plastic usage and people are more aware of the need to cut down on this. Still, it’s difficult to change behaviors and somehow parents easily end up with a great number of plastic toys at home. This happens partly because you receive gifts from friends and family, and to some extent because kids prefer bright-colored plastic toys more than bland, wooden ones.

Not all toys contain toxins, but they can be found in some cases. Toys that have toxins in them are hazardous to children mainly because of their tendency to swallow and chew on the toys, which can result in the toxins being absorbed by the body. When it comes to young children, even the smallest amounts of toxins can affect their health.

The toxins can either be found in the plastic itself or they can be included in the pigments used to color toys and make them more attractive to children.

Although there are EU regulations for which toxins may or may not be included in toys, there are products that can slip through the cracks. Plastic toys may, for example, be made of, or contain, polyvinyl chloride (PVC), which contains lead and cadmium — both toxins that are harmful to children.

The CE mark is supposed to be a sign of quality. The toys have gone through and followed the rigorous EU standards for toys. The EU notes, though, that this marking should only be seen as an indication, as it has been misused due to counterfeiting.

As goes for all plastic, plastic toys are made using fossil fuels, and therefore the production of them contributes to the environmental crisis at hand. Therefore, it would be a good idea to minimize the buying of new plastic toys.

Environmentalists have raised awareness around the fact that plastic toys are a big part of the plastic that ends up in landfills and oceans, which adds to the ongoing issue of plastic pollution. According to a survey done by the British Heart Foundation, 1 in 3 parents admits to having thrown away toys in working conditions. Considering that 90 percent of toys are in some way made of plastic, that quickly adds up to a lot of plastic waste.

In conclusion, yes plastic toys are damaging to the environment. Even though they have a longer life cycle than single-use plastic, they will at some point end up in a landfill — or worse in the sea as non-recyclable waste. But how can we stop this issue?

Buy sustainable and non-plastic toys if you do want to buy new toys, try to aim for toys made from more sustainable materials. There are plenty of retailers that focus on environmentally-friendly toys. For example, smaller e-commerce sites like Frida & Fritiof focus on providing non-toxic and eco-labeled toys. If you do want to buy plastic toys, try to minimize the environmental impact by buying them second-hand. There are plenty of charity shops where you can buy toys, but if that is not for you, you can use a site like eBay or any other online marketplace to find second-hand toys. Be aware, though, when buying second-hand toys that security standards might have been updated since they were produced, so double-check that they are up to today’s standards.

What percent of toys are made of plastic in some way?

Read the following passage and answer the questions that follow it. Each question has 4 options. Choose the correct option/answer for each question:

I worked for a brief while in a college in Delhi, and among my more uncomfortable memories is a language exercise, I gave a group of eight undergraduates: I asked them to imagine that they had already graduated and wanted them to write an application for a suitable job. Seven of the eight students wrote applications for the jobs of clerks. Even in one of the good universities, and in a college that had a reputation for its academic standards, the system has snuffed out all youthful ambition.

Choose the correct option from the given passage:
 The author wanted the students to imagine that they were already-

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 

Time was when people looked heavenward and prayed, “Ye Gods, give us rain, keep drought away.” Today there are those who pray. “Give us rain, keep El Nino away.” 

El Nino and its atmospheric equivalent, called the Southern Oscillation, are together referred to as ENSO, and are household words today. Meteorologists recognize it as often being responsible for natural disaster worldwide. But this wisdom dawned only after countries suffered, first from the lack of knowledge, and then from the lack of coordination between policy making and the advances in scientific knowledge. 

Put simply, El Nino is a weather event restricted to certain tropical shores, especially the Peruvian coast. The event has diametrically opposite impacts on the land and sea. The Peruvian shore is a desert. But every few years, an unusually warm ocean current - El Nino - warms up the normally cold surface-waters off the Peruvian coast, causing very heavy rains in the early half of the year, 

And then, miraculously, the desert is matted green. Crops like cotton, coconuts and banana grow on the otherwise stubbornly barren land. These are the Peruvians’ anos de abundencia or years of abundance. The current had come to be termed El Nino, or the Christ Child because it usually appears as an enhancement if a mildly warm current that normally occurs here around every Christmas. 

But this boon on land is accompanied by oceanic disasters. Normally, the waters off the South American coast are among the most productive in the world because of a constant upwelling of nutrient rich cold waters from the ocean depths. During an El Nino, however waters are stirred up only from near the surface. The nutrient-crunch pushes down primary production, disrupting the food chain. Many marine species, including anchoveta (anchovies) temporarily disappear. 

This is just one damning effect of El Nino. Over the years its full impact has been studied and what the Peruvians once regarded as manna, is now seen as a major threat. 

Which word in Para 3 is the antonym for Fertile?  

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

The number of Indian students going abroad for higher studies has increased by 68.79 per cent in the past year, according to data provided by the Minister of State in the Ministry of Education, Subhas Sarkar. As per the data provided by him in the Lok Sabha, the number of Indians enrolled in foreign varsities increased from 4.44 lakh in 2021 to 7.5 lakh in 2022. He clarified that while the Bureau of Immigration and Ministry of Home Affairs maintain departure and arrival data of Indians, there is no index for capturing the category of Indians going abroad for higher education. “Purpose of Indians going abroad for higher education is captured manually based either ontheir verbal disclosure or the type of visa of the destination country produced by them at the time of immigration clearance,” Sarkar said. According to the data provided by the ministry, the number of Indian nationals increased from 4.54 lakh in 2017 to 5.17 lakh in 2018. There was a significant increase in 2019 as well, with 5.86 lakh students flying out of the country. However, during the Covid pandemic, the number of Indian nationals in foreign varsities saw a drastic dip as only 2.59 lakh students were registered. While the number continued to remain low, it saw a slight increase in 2021 with 4.44 lakh registrations. However, the number has significantly jumped to 7.5 lakh in 2022. The increase in the number of Indian nationals abroad corresponds with the latest immigration reports from some of the popular study-abroad destinations such as the US, UK, and Australia. For the UK, the Immigration Statistics Report states that 127,731 visas were granted to Indian students in September 2022, an increase of 93,470 (+273 per cent) against 34,261 in 2019. Similarly, in the US, the number of Indian students has more than doubled, and the Open Doors Report 2022 has predicted that the number of Indian students heading to America is likely to surpass those from China in 2022-23.

How do we know the number of students getting visas for studies in UK?

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

Since September, at least 25 people have died and thousands have been made homeless. Every state and territory in Australia has experienced fires this summer. But the biggest fires burn along stretches of the eastern and southern coast, where most of the population lives. This includes areas around Sydney and Adelaide. More than 6.3 million hectares (63,000 sq km or 15.6 million acres) have been burned so far – one hectare is roughly the size of a sports field. To put that in perspective, around 800,000 hectares were engulfed in a bush fire in 2018 in California. Australia has always experienced bushfires – it has a "fire season". But this year they are a lot worse than normal.

Fires are usually caused by lightning strikes or accidentally by a spark – but some fires are also started deliberately. This year, a natural weather phenomenon known as the ‘Indian Ocean Dipole’ has meant a hot, dry spell across the country. This year, Australia twice set a new temperature record: an average maximum of 41.9°C was recorded on 18 December. That comes on top of a long period of drought.

Scientists have long warned that this hotter, drier climate will contribute to fires becoming more frequent and more intense. The more extreme weather patterns and higher temperatures increase the risk of bushfires and allow them to spread faster and wider. Fire fighters are spraying water and fire retardant from planes and helicopters as well as from the ground. But fighting bush fires is extremely difficult and often authorities have to focus on just stopping the spread, rather than putting the fire out. The spread can for instance be best contained by digging earth boundaries to stop the flames from spreading. The priority is saving lives.

Professional fire fighters are the first in line to battle the flames, but they are outnumbered by the thousands of volunteers. Three of them have died. There's also help coming from abroad: the US, Canada and New Zealand have sent fire fighters to help. Australia's police, military and navy are involved in rescue and evacuation efforts. While people can flee the fires and are being evacuated if need be, the flames are devastating wildlife in the affected areas. One study estimated that half a billion animals have died in New South Wales alone.

Zookeepers take animals home to save them from fire, but the fires don't only kill animals directly, they also destroy the habitat, leaving the survivors vulnerable even when the fires have gone. So the true scale of loss isn't yet clear. Experts say more than 100,000 cows and sheep may also have been lost, which is devastating for farmers.

Each state runs its own emergency operation, but Prime Minister Scott Morrison has promised better funding for fire-fighting and payouts for volunteer fire fighters, and an additional A$2billion ($1.4billion; £1billion) for the recovery. But the national government has come under strong criticism from its opponents that it has not been doing enough against climate change. The country is one of the world's biggest per capita greenhouse gas emitters but under international agreements it has committed itself to reduction targets

Which statement is NOT true according to the passage?