Reading Comprehension for IBPS 2019 Exam: 29th January 2019

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English Quiz For IBPS PO & Clerk 2019

IBPS had released the calendar for the Recruitment in 2019-20. Now the next step is to start practicing for the exams from now itself. Thus, the English Language can be an impetus for your success as it helps you save crucial time and score good points in lesser time and effort. So, instead of boiling the ocean, try building up a strong vocabulary, an effective knowledge of grammar, and efficient comprehension skills so as to be on the ball to face this particular section. Here is a quiz on English Language being provided by Adda247 to let you practice the best of latest pattern English Questions for IBPS PO and Clerk Examinations 2019-20.


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Directions (1-5) Read the following passage carefully and answer the questions that follow. 

With digital transactions growing exponentially in India, so have the complexities and challenges such as fraudulent transactions. Hence, the Reserve Bank of India (RBI) has decided to set up an ombudsman scheme for digital transactions to (A)............ these issues and promote customer confidence.

The banking regulator, in its bi-monthly policy announcement on Wednesday, said that there is (I) a dedicated, cost-free and expeditious grievance redressal mechanism for strengthening consumer confidence, and that the guidelines and details of the scheme (II) by the end of January 2019.

“The Reserve Bank’s (III) a less-cash society has facilitated a significant rise in volumes, value and channels for conducting digital transactions. For promoting the level of trust and customer confidence in this powerful channel that has wide and deep reach, a (B) dedicated and empowered grievance redressal mechanism is a prerequisite,” said Mahesh Kumar Jain, Deputy Governor, RBI, during the conference. He further added that the scheme will be administered and funded by the RBI. It will not only cover entities falling under the central bank’s regulatory jurisdiction, but also firms that provide related services.

Q1. Which of the following words should fill in the blank in (A) to make a contextually correct and meaningful sentence?


location
situation
marking
address
Both (a) and (d)
Solution:
'Address' here means think about and begin to deal with (an issue or problem). Hence, it is the correct choice here.
Q2. In the Question below three phrases are given which must be filled in the positions given in I,II and III in the passage. From the options given below, choose the correct order of phrases that should be filled in the positions given. 
A. would be notified 
B. an emerging need for 
C. endeavour to build
ABC
CAB
CBA
BAC
BCA
Solution:
BAC is the correct choice and they respectively fill in the places of I, II and III.
Q3. Which of the following can be inferred about the Ombudsman scheme from the passage above?
It is a part of RBI's bi-monthly policy.
It s a slow process.
It is a rule imposed by the Supreme Court in India.
It is a grievance redressal mechanism.
All of the Above
Solution:
'It is a grievance redressal mechanism.' is the correct choice.
Q4. Which of the following words can replace the word given in bold in (B) without changing the meaning of the sentence?
Apathetic
Indifferent
Careless
Committed
Negligent
Solution:
Dedicated means devoted to a task or purpose. Hence, 'committed' can replace the word 'dedicated' here.
Q5. As per the passage, what is/are the challenge(s) with the digital transactions?
Fraudulent transactions
High Cost
Complex Structure
Both (a) and (c)
None of the Above
Solution:
'Fraudulent transactions' is correct. Refer first paragraph.
Directions (6-10) Read the following passage carefully and answer the questions that follow. 

Early marriage is still rampant in rural areas, be it in the mountains, hills or in Tarai-Madhes. Government agencies and various social organisations have been campaigning against the age-old (A).......... of child or early marriage for so many years. But such campaigns have hardly yielded any positive impact in society. This practice is quite common in poor families of all communities. According to District Community Hospital in Lamjung, 31 per cent women receiving parturition service in the last fiscal were below 20 years of age.

It means that girls were married off at an early age and started giving the first or the second child before they reach the marriageable age of 20 years as allowed by law. The community hospital (B)revealed a shocking fact that a 14-year-old girl had also visited for parturition service. This is a serious health issue. Early marriage can have an adverse impact on woman’s health throughout her life. A girl also will be deprived of education, skills and job opportunity forever if she is married off within the teenage. This is a serious socio-economical and cultural issue and all levels of governments must work for tandem to end such practice.

Q6. Which of the following words should fill in the blank in (A) to make a contextually correct and meaningful sentence?




procedural
habitual
occupation
Both (c) and (e)
practice
Solution:
Practice: the customary, habitual, or expected procedure or way of doing of something.
Q7. As per the passage, the practice of Child Marriage is common in which section of the society?
Upper Middle-Class Families
Middle class Families
Rich Families
Poor Families
Both (c) and (d)
Solution:
The practice of Child Marriage is common in poor families of all communities. Refer paragraph 1.
Q8. Which of the following statement(s) is /are true in context to the passage above?
The marriageable age is 20 years for girls as allowed by law.
Early marriage can have an adverse impact on woman’s health throughout her life.
Government agencies and various social organisations have supported Child marriage.
Both (a) and (b)
All of the Above
Solution:
Both (a) and (b) are correct.
Q9. Which of the following words can replace the word given in bold in (B) without changing the meaning of the sentence?
concealed
disclosed
hidden
amalgamate
contradict
Solution:
Revealed: make (previously unknown or secret information) known to others.
Q10. In the passage given above a sentence is given in bold. The sentence may or may not have an error in one part of the sentence. Choose the part which has an error in it. If there is no error, choose option (e) as your answer.
This is a serious socio-economical
and cultural issue all levels of
governments must work for
tandem to end such practice.
No error
Solution:
Error is in part (c). 'in tandem' is used which means alongside each other.
Directions (11-15) Read the following passage carefully and answer the questions that follow. 

Cashless society is something we keep hearing these days. The Information and Communication Technology (ICT) revolution has brought the world closer – and hence the economies. Digital payment or digital transaction is the new revolution in the making. In today’s globalised and computerised context, Nepal cannot remain unaffected by the unprecedented developments that have been made in the ICT sector. We may be still a bit too far from creating a cashless society, but the country (B).............................................. Digital payment is a system which effects transactions for one or multiple parties without the need for cash. Digital payments are being globally adopted now for the benefits they bring to the economies and the people. According to a World Bank report (2014), integrating digital payments into the economies of emerging and developing nations addresses (A)crucial issues of broad economic growth and individual financial empowerment.

The government in its fiscal budget for 2018-19 has aimed to digitise government payments and revenue collection. It also aims to open bank accounts for every Nepali citizen within a year. Though it may look overambitious, the government's move is praiseworthy for its openness to embrace new technology and innovations and integrate them into the economy. Digital payments can be greatly beneficial in this regard, as expanding digital payments can help ensure financial services to those adults who are excluded from the formal banking sector. It is, of course, the government which has to take the lead to drive the digital financial development ahead. Digital finance also ensures transparency in interactions, thereby reducing tax evasion and empowering government agencies to keep track of financial activities. It can also help reduce crimes in black markets. Digital payment services help reduce the cost of sending money both domestically and across borders and transfers are swift.

Q11. Which of the following is/are the benefits of Digital Transactions as given in the passage above?




ensures transparency in interactions
reducing tax evasion
empowering government agencies to keep track of financial activities
reduce the cost of sending money both domestically and across borders
All of the Above
Solution:
All of the above. Refer second paragraph.
Q12. Which of the following words can replace the word given in bold in (A) without changing the meaning of the sentence?
Trivial
Pivotal
Insignificant
Petulant
Peevish
Solution:
Crucial: of great importance.
Pivotal: of crucial importance in relation to the development or success of something else.
Q13. Which of the following statement(s) is /are true in context to the passage above?
Digital payment is a system which effects transactions for one or multiple parties without the need for cash.
The general public needs to be informed and educated about the benefits of digital payment services and the possibility of their misuse.
System hacks and network failures cannot be ruled out.
Both (a) and (B)
None of the Above
Solution:
"Digital payment is a system which effects transactions for one or multiple parties without the need for cash." is correct in reference to the passage above.
Q14. Which of following phrases should fill in the blank given in (B) to make is grammatically and contextually correct?
digital payment services should be encouraged for the broader benefits they bring
has made some progress when it comes to digital payment services.
need to identify and assess associated risks.
the major fallouts of digital payments could be the risk of frauds as well as money laundering through abuse of technology.
Both (a) and (b)
Solution:
"has made some progress when it comes to digital payment services." makes the sentence grammatically and contextually correct.
Q15. Which of the following is/are the aim(s) of government in its fiscal budget for 2018-19?(Answer in context of the passage above)
To provide gift vouchers to promote cashless transactions
To digitise government payments and revenue collection.
Both (b) and (d)
Aims to open bank accounts for every Nepali citizen within a year.
All (a), (b) and (d)
Solution:
Both (b) and (d) are correct.
               




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