SBI Clerk 2021: Mains Question Paper with Solutions | SBI Clerk Mock Test Series & Past Year Papers 2024 - Bank Exams PDF Download

 Page 1


   
  
 
SBI Clerk Mains Previous Year Paper 2021  
 
Directions (1-5): Read the following passage carefully and answer the questions given below them. 
 
Employees are indeed true assets of an organization. Managers need to know their employees well to 
expect them to contribute their level best and also to remain loyal towards the organization. Employees 
need to feel valued and important at the workplace for them to deliver their level best. Knowing employees 
well leads to a healthy work culture. Managers connect with their team members and employees tend to 
know each other better. No individual can work in an organization where people do not talk to each other. 
Human beings need people around to talk to and express their feelings. We spend the maximum part of our 
day at workplaces and it is essential for us to have friends here. Work becomes a mere source of burden 
when individuals are glued to their computers the whole day. Discussions and brainstorming sessions lead 
to innovative solutions and quick results. Knowing employees strengthens the relationship between 
employees and their Bosses. Being rude to employees will not only demotivate them but also make you an 
unpopular member within the organization. Call them by their names rather than addressing as “Mr/Ms” 
or “Hey”, greet them with a smile and enquire what is going on in their personal lives once in a while and 
see the difference yourself. Trust me; you will be elated to see employees striving hard to accomplish 
assigned targets within the shortest possible time frame. 
Conflicts and misunderstandings lead to no solutions. Fights over petty issues not only lead to frustration 
but also spoil the ambience at the workplace. Do not forget that we are not school going kids who would 
fight over small things. It is essential to behave as mature professionals. Encourage healthy communication 
at workplace where employees get an opportunity to interact with each other, discuss ideas and also gain 
from each other’s expertise. Let them open up. Knowing each other well leads to better understanding 
among employees and they seldom fight with each other, eventually leading to a healthy and positive work 
culture. It also leads to peace at the workplace. Knowing employees helps managers to understand how he 
can motivate his team members and use them to the best of their abilities. It helps you to understand which 
team member would fit into which particular role and which employee would not do justice to his work. 
Knowing employees helps you judge your subordinates well and hence there is no question of confusions 
at the workplace. There is seldom any overlapping of work and everyone knows what he/she is supposed 
to do. Individuals feel attached towards their organization and love coming to work. 
 
Q1. Which of the following is/are the benefit(s) of conversation among people? 
(a) It makes people resolve their difficult tasks smoothly with the help of senior most colleagues 
(b) people spend most of their daytime sitting which causes many physical illnesses 
(c) talk at office place gives a boost to rapid outcomes and innovative solutions  
(d) it’s a stress relief therapy by sharing the difficulties one faces in the organization 
(e) None of these 
 
Q2.How the manager of the company can contribute to employees’ best performance? 
(i) Employees’ productivity can be increased by the manager’s amicable nature 
(ii) Manger’s interaction makes employees’ loyal to the company 
(iii)Manager can introduce team members and employees to each other 
(a) only (ii) 
(b) only (iii) 
(c) Both (ii) and (iii) 
(d) Both (i) and (ii) 
(e) All of these 
 
Page 2


   
  
 
SBI Clerk Mains Previous Year Paper 2021  
 
Directions (1-5): Read the following passage carefully and answer the questions given below them. 
 
Employees are indeed true assets of an organization. Managers need to know their employees well to 
expect them to contribute their level best and also to remain loyal towards the organization. Employees 
need to feel valued and important at the workplace for them to deliver their level best. Knowing employees 
well leads to a healthy work culture. Managers connect with their team members and employees tend to 
know each other better. No individual can work in an organization where people do not talk to each other. 
Human beings need people around to talk to and express their feelings. We spend the maximum part of our 
day at workplaces and it is essential for us to have friends here. Work becomes a mere source of burden 
when individuals are glued to their computers the whole day. Discussions and brainstorming sessions lead 
to innovative solutions and quick results. Knowing employees strengthens the relationship between 
employees and their Bosses. Being rude to employees will not only demotivate them but also make you an 
unpopular member within the organization. Call them by their names rather than addressing as “Mr/Ms” 
or “Hey”, greet them with a smile and enquire what is going on in their personal lives once in a while and 
see the difference yourself. Trust me; you will be elated to see employees striving hard to accomplish 
assigned targets within the shortest possible time frame. 
Conflicts and misunderstandings lead to no solutions. Fights over petty issues not only lead to frustration 
but also spoil the ambience at the workplace. Do not forget that we are not school going kids who would 
fight over small things. It is essential to behave as mature professionals. Encourage healthy communication 
at workplace where employees get an opportunity to interact with each other, discuss ideas and also gain 
from each other’s expertise. Let them open up. Knowing each other well leads to better understanding 
among employees and they seldom fight with each other, eventually leading to a healthy and positive work 
culture. It also leads to peace at the workplace. Knowing employees helps managers to understand how he 
can motivate his team members and use them to the best of their abilities. It helps you to understand which 
team member would fit into which particular role and which employee would not do justice to his work. 
Knowing employees helps you judge your subordinates well and hence there is no question of confusions 
at the workplace. There is seldom any overlapping of work and everyone knows what he/she is supposed 
to do. Individuals feel attached towards their organization and love coming to work. 
 
Q1. Which of the following is/are the benefit(s) of conversation among people? 
(a) It makes people resolve their difficult tasks smoothly with the help of senior most colleagues 
(b) people spend most of their daytime sitting which causes many physical illnesses 
(c) talk at office place gives a boost to rapid outcomes and innovative solutions  
(d) it’s a stress relief therapy by sharing the difficulties one faces in the organization 
(e) None of these 
 
Q2.How the manager of the company can contribute to employees’ best performance? 
(i) Employees’ productivity can be increased by the manager’s amicable nature 
(ii) Manger’s interaction makes employees’ loyal to the company 
(iii)Manager can introduce team members and employees to each other 
(a) only (ii) 
(b) only (iii) 
(c) Both (ii) and (iii) 
(d) Both (i) and (ii) 
(e) All of these 
 
   
  
 
Q3. What is/are the impact(s) of personal interaction with 
employees sometimes? 
(a) It inspire the employee to get higher productivity in lesser time  
(b) it maintains harmony among the employees of the organization 
(c) personal interactions decrease the depression of employee 
(d) Only (a) and (b) 
(e) All of these 
 
Q4. What are the factors of healthy and positive culture in 
companies? 
(i) job security which secures employees’ future too, motivates 
employees to work hard 
(ii)working environment where people can interact freely to know about each other 
(iii) a working culture with no disputes or hardly any conflicts and fights 
(a) All of these 
(b) only (iii) 
(c) Both (ii) and (iii) 
(d) Both (i) and (ii) 
(e) None of these 
 
Q5. How is it beneficial for managers to know their employees?  
(a) Overlapping of work can be avoided by allocating every employee their tasks  
(b) manager can take work from employees efficiently to full of their capacity 
(c) Manager can easily analyze the suitable position for every employee by knowing them 
(d) Both (a) and (c) 
(e) All of these 
 
Directions (6-12): Read the following passage carefully and answer the questions given below 
them. 
 
The major issue of Environment &Urbanization focusing on rural–urban linkages. The first, which came 
out in 1998, described the reliance of many low-income households on both rural-based and urban-based 
resources in constructing their livelihoods. But the majority of the papers also underlined the fact that this 
straddling of the rural–urban divide is usually ignored by policy makers, and that the rigid division 
between “rural” and “urban” on the part of sectoral strategies actually makes life more difficult  for low-
income groups. The papers in this issue show many reasons why it has become even less realistic for 
development specialists to separate into rural and urban camps. The notion of a “divide” has become a 
misleading metaphor, one that oversimplifies and even distorts the realities. As these papers demonstrate, 
the linkages and interactions have become an ever more intensive and important component of 
livelihoods and production systems in many areas – forming not so much a bridge over a divide as a 
complex web of connections in a landscape where much is neither “urban” nor “rural”, but has features of 
both, especially in the areas around urban centres or along the roads out of such centres what can be 
termed the peri-urban interface.  
Page 3


   
  
 
SBI Clerk Mains Previous Year Paper 2021  
 
Directions (1-5): Read the following passage carefully and answer the questions given below them. 
 
Employees are indeed true assets of an organization. Managers need to know their employees well to 
expect them to contribute their level best and also to remain loyal towards the organization. Employees 
need to feel valued and important at the workplace for them to deliver their level best. Knowing employees 
well leads to a healthy work culture. Managers connect with their team members and employees tend to 
know each other better. No individual can work in an organization where people do not talk to each other. 
Human beings need people around to talk to and express their feelings. We spend the maximum part of our 
day at workplaces and it is essential for us to have friends here. Work becomes a mere source of burden 
when individuals are glued to their computers the whole day. Discussions and brainstorming sessions lead 
to innovative solutions and quick results. Knowing employees strengthens the relationship between 
employees and their Bosses. Being rude to employees will not only demotivate them but also make you an 
unpopular member within the organization. Call them by their names rather than addressing as “Mr/Ms” 
or “Hey”, greet them with a smile and enquire what is going on in their personal lives once in a while and 
see the difference yourself. Trust me; you will be elated to see employees striving hard to accomplish 
assigned targets within the shortest possible time frame. 
Conflicts and misunderstandings lead to no solutions. Fights over petty issues not only lead to frustration 
but also spoil the ambience at the workplace. Do not forget that we are not school going kids who would 
fight over small things. It is essential to behave as mature professionals. Encourage healthy communication 
at workplace where employees get an opportunity to interact with each other, discuss ideas and also gain 
from each other’s expertise. Let them open up. Knowing each other well leads to better understanding 
among employees and they seldom fight with each other, eventually leading to a healthy and positive work 
culture. It also leads to peace at the workplace. Knowing employees helps managers to understand how he 
can motivate his team members and use them to the best of their abilities. It helps you to understand which 
team member would fit into which particular role and which employee would not do justice to his work. 
Knowing employees helps you judge your subordinates well and hence there is no question of confusions 
at the workplace. There is seldom any overlapping of work and everyone knows what he/she is supposed 
to do. Individuals feel attached towards their organization and love coming to work. 
 
Q1. Which of the following is/are the benefit(s) of conversation among people? 
(a) It makes people resolve their difficult tasks smoothly with the help of senior most colleagues 
(b) people spend most of their daytime sitting which causes many physical illnesses 
(c) talk at office place gives a boost to rapid outcomes and innovative solutions  
(d) it’s a stress relief therapy by sharing the difficulties one faces in the organization 
(e) None of these 
 
Q2.How the manager of the company can contribute to employees’ best performance? 
(i) Employees’ productivity can be increased by the manager’s amicable nature 
(ii) Manger’s interaction makes employees’ loyal to the company 
(iii)Manager can introduce team members and employees to each other 
(a) only (ii) 
(b) only (iii) 
(c) Both (ii) and (iii) 
(d) Both (i) and (ii) 
(e) All of these 
 
   
  
 
Q3. What is/are the impact(s) of personal interaction with 
employees sometimes? 
(a) It inspire the employee to get higher productivity in lesser time  
(b) it maintains harmony among the employees of the organization 
(c) personal interactions decrease the depression of employee 
(d) Only (a) and (b) 
(e) All of these 
 
Q4. What are the factors of healthy and positive culture in 
companies? 
(i) job security which secures employees’ future too, motivates 
employees to work hard 
(ii)working environment where people can interact freely to know about each other 
(iii) a working culture with no disputes or hardly any conflicts and fights 
(a) All of these 
(b) only (iii) 
(c) Both (ii) and (iii) 
(d) Both (i) and (ii) 
(e) None of these 
 
Q5. How is it beneficial for managers to know their employees?  
(a) Overlapping of work can be avoided by allocating every employee their tasks  
(b) manager can take work from employees efficiently to full of their capacity 
(c) Manager can easily analyze the suitable position for every employee by knowing them 
(d) Both (a) and (c) 
(e) All of these 
 
Directions (6-12): Read the following passage carefully and answer the questions given below 
them. 
 
The major issue of Environment &Urbanization focusing on rural–urban linkages. The first, which came 
out in 1998, described the reliance of many low-income households on both rural-based and urban-based 
resources in constructing their livelihoods. But the majority of the papers also underlined the fact that this 
straddling of the rural–urban divide is usually ignored by policy makers, and that the rigid division 
between “rural” and “urban” on the part of sectoral strategies actually makes life more difficult  for low-
income groups. The papers in this issue show many reasons why it has become even less realistic for 
development specialists to separate into rural and urban camps. The notion of a “divide” has become a 
misleading metaphor, one that oversimplifies and even distorts the realities. As these papers demonstrate, 
the linkages and interactions have become an ever more intensive and important component of 
livelihoods and production systems in many areas – forming not so much a bridge over a divide as a 
complex web of connections in a landscape where much is neither “urban” nor “rural”, but has features of 
both, especially in the areas around urban centres or along the roads out of such centres what can be 
termed the peri-urban interface.  
   
  
 
In addition, much of the rural population depends on urban centres for access to secondary schools, post 
and telephones, credit, agricultural extension services, farm equipment, hospitals and government 
services. Of course, there are still conflicts between rural and urban interests. But there are also conflicts 
between many urban interests and the needs of most of the urban population. There are also significant 
synergies between many rural and urban interests. Some factors can be generalized as having a key role in 
the increase in the scale of rural–urban linkages. Decreasing incomes from farming, especially for small-
scale producers who, because of a lack of land, water or capital, are unable to intensify and switch to higher 
value crops, means that increasing numbers of rural residents engage in non-farm activities that are often 
located in urban centres.  
For those who continue farming, direct access to markets is essential in the wake of the demise of parastatal 
marketing boards – and markets are also usually located in urban centres. Better access to markets can 
increase farming incomes and encourage shifts to higher value crops or livestock. Population growth and 
distribution patterns affect the availability of good agricultural land and can contribute to rural residents 
moving out of farming. With the expansion of urban centres, land uses change from agricultural to 
residential and industrial, and in the peri-urban interface these processes go hand in hand with 
transformations in the livelihoods of different groups – with the poorest often losing out.  
 
Q6. As per the passage, what aggravates the problems of low-income group people? 
(a) Uniformity in policies which can’t be applied on urban and rural together due to different conditions 
(b) Policymakers pursue only rural areas for forming policies which make urban people suffer 
(c) the sectoral strategies division between urban and rural which is usually overlooked by policymakers 
(d) the urban-rural division which confines them to their particular area for employment 
(e) None of these 
 
Q7. Which of the following is true about the peri-urban interface? 
(a) rural areas can be considered as peri-urban areas if they can provide full employment to inhabitants 
(b) the peri-urban interface constitutes the habitat of a diversity of populations from both urban and rural 
(c) areas dominated by a single habitat especially by the urban population where rural can’t survive 
(d) peri-urban has biotic communities at larger spatial scales which is a wealthier community 
(e) None of these 
 
Q8. Which factor is responsible for linkage between rural and urban? 
(a) Developing urban areas provide assistance to rural who have suffered loss in agriculture 
(b) All of these 
(c) FMCG growth in the urban market has driven the rural market to urban sector 
(d) being unable to switch over to higher value crop, the small-scale farmers move to non-farming activities 
in urban areas from rural areas. 
(e) None of these 
 
Q9. What is/are the benefits to farmers of access to the urban markets? 
(a) farmers having direct access to the market can have the opportunity to increase their income  
(b) All of these 
(c) Farmers with higher income from the market can be able to switch higher value crops 
(d) Government provides warehouse storage for crops to farmers for avoiding spoil of crops  
(e) Both (a) and (c) 
 
Page 4


   
  
 
SBI Clerk Mains Previous Year Paper 2021  
 
Directions (1-5): Read the following passage carefully and answer the questions given below them. 
 
Employees are indeed true assets of an organization. Managers need to know their employees well to 
expect them to contribute their level best and also to remain loyal towards the organization. Employees 
need to feel valued and important at the workplace for them to deliver their level best. Knowing employees 
well leads to a healthy work culture. Managers connect with their team members and employees tend to 
know each other better. No individual can work in an organization where people do not talk to each other. 
Human beings need people around to talk to and express their feelings. We spend the maximum part of our 
day at workplaces and it is essential for us to have friends here. Work becomes a mere source of burden 
when individuals are glued to their computers the whole day. Discussions and brainstorming sessions lead 
to innovative solutions and quick results. Knowing employees strengthens the relationship between 
employees and their Bosses. Being rude to employees will not only demotivate them but also make you an 
unpopular member within the organization. Call them by their names rather than addressing as “Mr/Ms” 
or “Hey”, greet them with a smile and enquire what is going on in their personal lives once in a while and 
see the difference yourself. Trust me; you will be elated to see employees striving hard to accomplish 
assigned targets within the shortest possible time frame. 
Conflicts and misunderstandings lead to no solutions. Fights over petty issues not only lead to frustration 
but also spoil the ambience at the workplace. Do not forget that we are not school going kids who would 
fight over small things. It is essential to behave as mature professionals. Encourage healthy communication 
at workplace where employees get an opportunity to interact with each other, discuss ideas and also gain 
from each other’s expertise. Let them open up. Knowing each other well leads to better understanding 
among employees and they seldom fight with each other, eventually leading to a healthy and positive work 
culture. It also leads to peace at the workplace. Knowing employees helps managers to understand how he 
can motivate his team members and use them to the best of their abilities. It helps you to understand which 
team member would fit into which particular role and which employee would not do justice to his work. 
Knowing employees helps you judge your subordinates well and hence there is no question of confusions 
at the workplace. There is seldom any overlapping of work and everyone knows what he/she is supposed 
to do. Individuals feel attached towards their organization and love coming to work. 
 
Q1. Which of the following is/are the benefit(s) of conversation among people? 
(a) It makes people resolve their difficult tasks smoothly with the help of senior most colleagues 
(b) people spend most of their daytime sitting which causes many physical illnesses 
(c) talk at office place gives a boost to rapid outcomes and innovative solutions  
(d) it’s a stress relief therapy by sharing the difficulties one faces in the organization 
(e) None of these 
 
Q2.How the manager of the company can contribute to employees’ best performance? 
(i) Employees’ productivity can be increased by the manager’s amicable nature 
(ii) Manger’s interaction makes employees’ loyal to the company 
(iii)Manager can introduce team members and employees to each other 
(a) only (ii) 
(b) only (iii) 
(c) Both (ii) and (iii) 
(d) Both (i) and (ii) 
(e) All of these 
 
   
  
 
Q3. What is/are the impact(s) of personal interaction with 
employees sometimes? 
(a) It inspire the employee to get higher productivity in lesser time  
(b) it maintains harmony among the employees of the organization 
(c) personal interactions decrease the depression of employee 
(d) Only (a) and (b) 
(e) All of these 
 
Q4. What are the factors of healthy and positive culture in 
companies? 
(i) job security which secures employees’ future too, motivates 
employees to work hard 
(ii)working environment where people can interact freely to know about each other 
(iii) a working culture with no disputes or hardly any conflicts and fights 
(a) All of these 
(b) only (iii) 
(c) Both (ii) and (iii) 
(d) Both (i) and (ii) 
(e) None of these 
 
Q5. How is it beneficial for managers to know their employees?  
(a) Overlapping of work can be avoided by allocating every employee their tasks  
(b) manager can take work from employees efficiently to full of their capacity 
(c) Manager can easily analyze the suitable position for every employee by knowing them 
(d) Both (a) and (c) 
(e) All of these 
 
Directions (6-12): Read the following passage carefully and answer the questions given below 
them. 
 
The major issue of Environment &Urbanization focusing on rural–urban linkages. The first, which came 
out in 1998, described the reliance of many low-income households on both rural-based and urban-based 
resources in constructing their livelihoods. But the majority of the papers also underlined the fact that this 
straddling of the rural–urban divide is usually ignored by policy makers, and that the rigid division 
between “rural” and “urban” on the part of sectoral strategies actually makes life more difficult  for low-
income groups. The papers in this issue show many reasons why it has become even less realistic for 
development specialists to separate into rural and urban camps. The notion of a “divide” has become a 
misleading metaphor, one that oversimplifies and even distorts the realities. As these papers demonstrate, 
the linkages and interactions have become an ever more intensive and important component of 
livelihoods and production systems in many areas – forming not so much a bridge over a divide as a 
complex web of connections in a landscape where much is neither “urban” nor “rural”, but has features of 
both, especially in the areas around urban centres or along the roads out of such centres what can be 
termed the peri-urban interface.  
   
  
 
In addition, much of the rural population depends on urban centres for access to secondary schools, post 
and telephones, credit, agricultural extension services, farm equipment, hospitals and government 
services. Of course, there are still conflicts between rural and urban interests. But there are also conflicts 
between many urban interests and the needs of most of the urban population. There are also significant 
synergies between many rural and urban interests. Some factors can be generalized as having a key role in 
the increase in the scale of rural–urban linkages. Decreasing incomes from farming, especially for small-
scale producers who, because of a lack of land, water or capital, are unable to intensify and switch to higher 
value crops, means that increasing numbers of rural residents engage in non-farm activities that are often 
located in urban centres.  
For those who continue farming, direct access to markets is essential in the wake of the demise of parastatal 
marketing boards – and markets are also usually located in urban centres. Better access to markets can 
increase farming incomes and encourage shifts to higher value crops or livestock. Population growth and 
distribution patterns affect the availability of good agricultural land and can contribute to rural residents 
moving out of farming. With the expansion of urban centres, land uses change from agricultural to 
residential and industrial, and in the peri-urban interface these processes go hand in hand with 
transformations in the livelihoods of different groups – with the poorest often losing out.  
 
Q6. As per the passage, what aggravates the problems of low-income group people? 
(a) Uniformity in policies which can’t be applied on urban and rural together due to different conditions 
(b) Policymakers pursue only rural areas for forming policies which make urban people suffer 
(c) the sectoral strategies division between urban and rural which is usually overlooked by policymakers 
(d) the urban-rural division which confines them to their particular area for employment 
(e) None of these 
 
Q7. Which of the following is true about the peri-urban interface? 
(a) rural areas can be considered as peri-urban areas if they can provide full employment to inhabitants 
(b) the peri-urban interface constitutes the habitat of a diversity of populations from both urban and rural 
(c) areas dominated by a single habitat especially by the urban population where rural can’t survive 
(d) peri-urban has biotic communities at larger spatial scales which is a wealthier community 
(e) None of these 
 
Q8. Which factor is responsible for linkage between rural and urban? 
(a) Developing urban areas provide assistance to rural who have suffered loss in agriculture 
(b) All of these 
(c) FMCG growth in the urban market has driven the rural market to urban sector 
(d) being unable to switch over to higher value crop, the small-scale farmers move to non-farming activities 
in urban areas from rural areas. 
(e) None of these 
 
Q9. What is/are the benefits to farmers of access to the urban markets? 
(a) farmers having direct access to the market can have the opportunity to increase their income  
(b) All of these 
(c) Farmers with higher income from the market can be able to switch higher value crops 
(d) Government provides warehouse storage for crops to farmers for avoiding spoil of crops  
(e) Both (a) and (c) 
 
   
  
 
Q10. What is/are the reason(s) for decreasing agriculture trend in urban areas? 
(a) Nowadays agriculture activity is looking down upon by the current young generations. 
(b) people nowadays opt for secure jobs rather than agriculture which depends on climate 
(c) mutation of agricultural land of urban into commercial use and households  
(d) both (a) and (c) 
(e) None of these 
 
Q11. Which of the following is true as per the information given in the passage? 
(i) Due to government policies, farmers' incomes are independent of access to market 
(ii) There is a conflict between urban population needs and urban interest 
(iii)Low-income groups depend on the urban and rural-based source of income 
(a) Both (ii) and (iii) 
(b) Only (iii) 
(c) Both (ii) and (i) 
(d) Only (j)  
(e) All of these 
 
Q12. Which of the following is opposite in meaning to ‘Intensive’ as used in the passage? 
(a) anew 
(b) retard 
(c) caveat 
(d) superficial 
(e) None of these 
 
Directions (13-17): In the following questions seven sentences are given. Further, these sentences 
may or may not form a contextually meaningful sequence. You have to rearrange these sentences 
to make a contextually meaningful paragraph. The sentence (C), which has already been 
highlighted, would be the third sentence after rearrangement. Later, answer the follow-up 
questions. 
(A) Here, using national mobility data, we estimate global emission reductions for ten species during the 
period February to June 2020.  
(B) As a result, we estimate that the direct effect of the pandemic-driven response will be negligible,  
with a cooling of around 0.01?±?0.005?°C by 2030 compared to a baseline scenario  
(C) We also estimate that global NOx emissions declined by as much as 30% in April, contributing a 
short-term cooling since the start of the year.  
(D) This cooling trend is offset by ~20% reduction in global SO2 emissions that weakens the aerosol 
cooling effect, causing short-term warming.  
(E) In contrast, with an economic recovery tilted towards green stimulus and reductions in fossil fuel 
investments, it is possible to avoid future warming of 0.3?°C by 2050. 
(F) The global response to the COVID-19 pandemic has led to a sudden reduction of both GHG emissions 
and air pollutants.  
 
Q13. Which of the following would be the correct order of sentences after rearrangement? 
(a) DECFBA 
(b) BECDFA 
(c) ABCFED 
(d) BACFED 
(e) FACDBE 
 
Page 5


   
  
 
SBI Clerk Mains Previous Year Paper 2021  
 
Directions (1-5): Read the following passage carefully and answer the questions given below them. 
 
Employees are indeed true assets of an organization. Managers need to know their employees well to 
expect them to contribute their level best and also to remain loyal towards the organization. Employees 
need to feel valued and important at the workplace for them to deliver their level best. Knowing employees 
well leads to a healthy work culture. Managers connect with their team members and employees tend to 
know each other better. No individual can work in an organization where people do not talk to each other. 
Human beings need people around to talk to and express their feelings. We spend the maximum part of our 
day at workplaces and it is essential for us to have friends here. Work becomes a mere source of burden 
when individuals are glued to their computers the whole day. Discussions and brainstorming sessions lead 
to innovative solutions and quick results. Knowing employees strengthens the relationship between 
employees and their Bosses. Being rude to employees will not only demotivate them but also make you an 
unpopular member within the organization. Call them by their names rather than addressing as “Mr/Ms” 
or “Hey”, greet them with a smile and enquire what is going on in their personal lives once in a while and 
see the difference yourself. Trust me; you will be elated to see employees striving hard to accomplish 
assigned targets within the shortest possible time frame. 
Conflicts and misunderstandings lead to no solutions. Fights over petty issues not only lead to frustration 
but also spoil the ambience at the workplace. Do not forget that we are not school going kids who would 
fight over small things. It is essential to behave as mature professionals. Encourage healthy communication 
at workplace where employees get an opportunity to interact with each other, discuss ideas and also gain 
from each other’s expertise. Let them open up. Knowing each other well leads to better understanding 
among employees and they seldom fight with each other, eventually leading to a healthy and positive work 
culture. It also leads to peace at the workplace. Knowing employees helps managers to understand how he 
can motivate his team members and use them to the best of their abilities. It helps you to understand which 
team member would fit into which particular role and which employee would not do justice to his work. 
Knowing employees helps you judge your subordinates well and hence there is no question of confusions 
at the workplace. There is seldom any overlapping of work and everyone knows what he/she is supposed 
to do. Individuals feel attached towards their organization and love coming to work. 
 
Q1. Which of the following is/are the benefit(s) of conversation among people? 
(a) It makes people resolve their difficult tasks smoothly with the help of senior most colleagues 
(b) people spend most of their daytime sitting which causes many physical illnesses 
(c) talk at office place gives a boost to rapid outcomes and innovative solutions  
(d) it’s a stress relief therapy by sharing the difficulties one faces in the organization 
(e) None of these 
 
Q2.How the manager of the company can contribute to employees’ best performance? 
(i) Employees’ productivity can be increased by the manager’s amicable nature 
(ii) Manger’s interaction makes employees’ loyal to the company 
(iii)Manager can introduce team members and employees to each other 
(a) only (ii) 
(b) only (iii) 
(c) Both (ii) and (iii) 
(d) Both (i) and (ii) 
(e) All of these 
 
   
  
 
Q3. What is/are the impact(s) of personal interaction with 
employees sometimes? 
(a) It inspire the employee to get higher productivity in lesser time  
(b) it maintains harmony among the employees of the organization 
(c) personal interactions decrease the depression of employee 
(d) Only (a) and (b) 
(e) All of these 
 
Q4. What are the factors of healthy and positive culture in 
companies? 
(i) job security which secures employees’ future too, motivates 
employees to work hard 
(ii)working environment where people can interact freely to know about each other 
(iii) a working culture with no disputes or hardly any conflicts and fights 
(a) All of these 
(b) only (iii) 
(c) Both (ii) and (iii) 
(d) Both (i) and (ii) 
(e) None of these 
 
Q5. How is it beneficial for managers to know their employees?  
(a) Overlapping of work can be avoided by allocating every employee their tasks  
(b) manager can take work from employees efficiently to full of their capacity 
(c) Manager can easily analyze the suitable position for every employee by knowing them 
(d) Both (a) and (c) 
(e) All of these 
 
Directions (6-12): Read the following passage carefully and answer the questions given below 
them. 
 
The major issue of Environment &Urbanization focusing on rural–urban linkages. The first, which came 
out in 1998, described the reliance of many low-income households on both rural-based and urban-based 
resources in constructing their livelihoods. But the majority of the papers also underlined the fact that this 
straddling of the rural–urban divide is usually ignored by policy makers, and that the rigid division 
between “rural” and “urban” on the part of sectoral strategies actually makes life more difficult  for low-
income groups. The papers in this issue show many reasons why it has become even less realistic for 
development specialists to separate into rural and urban camps. The notion of a “divide” has become a 
misleading metaphor, one that oversimplifies and even distorts the realities. As these papers demonstrate, 
the linkages and interactions have become an ever more intensive and important component of 
livelihoods and production systems in many areas – forming not so much a bridge over a divide as a 
complex web of connections in a landscape where much is neither “urban” nor “rural”, but has features of 
both, especially in the areas around urban centres or along the roads out of such centres what can be 
termed the peri-urban interface.  
   
  
 
In addition, much of the rural population depends on urban centres for access to secondary schools, post 
and telephones, credit, agricultural extension services, farm equipment, hospitals and government 
services. Of course, there are still conflicts between rural and urban interests. But there are also conflicts 
between many urban interests and the needs of most of the urban population. There are also significant 
synergies between many rural and urban interests. Some factors can be generalized as having a key role in 
the increase in the scale of rural–urban linkages. Decreasing incomes from farming, especially for small-
scale producers who, because of a lack of land, water or capital, are unable to intensify and switch to higher 
value crops, means that increasing numbers of rural residents engage in non-farm activities that are often 
located in urban centres.  
For those who continue farming, direct access to markets is essential in the wake of the demise of parastatal 
marketing boards – and markets are also usually located in urban centres. Better access to markets can 
increase farming incomes and encourage shifts to higher value crops or livestock. Population growth and 
distribution patterns affect the availability of good agricultural land and can contribute to rural residents 
moving out of farming. With the expansion of urban centres, land uses change from agricultural to 
residential and industrial, and in the peri-urban interface these processes go hand in hand with 
transformations in the livelihoods of different groups – with the poorest often losing out.  
 
Q6. As per the passage, what aggravates the problems of low-income group people? 
(a) Uniformity in policies which can’t be applied on urban and rural together due to different conditions 
(b) Policymakers pursue only rural areas for forming policies which make urban people suffer 
(c) the sectoral strategies division between urban and rural which is usually overlooked by policymakers 
(d) the urban-rural division which confines them to their particular area for employment 
(e) None of these 
 
Q7. Which of the following is true about the peri-urban interface? 
(a) rural areas can be considered as peri-urban areas if they can provide full employment to inhabitants 
(b) the peri-urban interface constitutes the habitat of a diversity of populations from both urban and rural 
(c) areas dominated by a single habitat especially by the urban population where rural can’t survive 
(d) peri-urban has biotic communities at larger spatial scales which is a wealthier community 
(e) None of these 
 
Q8. Which factor is responsible for linkage between rural and urban? 
(a) Developing urban areas provide assistance to rural who have suffered loss in agriculture 
(b) All of these 
(c) FMCG growth in the urban market has driven the rural market to urban sector 
(d) being unable to switch over to higher value crop, the small-scale farmers move to non-farming activities 
in urban areas from rural areas. 
(e) None of these 
 
Q9. What is/are the benefits to farmers of access to the urban markets? 
(a) farmers having direct access to the market can have the opportunity to increase their income  
(b) All of these 
(c) Farmers with higher income from the market can be able to switch higher value crops 
(d) Government provides warehouse storage for crops to farmers for avoiding spoil of crops  
(e) Both (a) and (c) 
 
   
  
 
Q10. What is/are the reason(s) for decreasing agriculture trend in urban areas? 
(a) Nowadays agriculture activity is looking down upon by the current young generations. 
(b) people nowadays opt for secure jobs rather than agriculture which depends on climate 
(c) mutation of agricultural land of urban into commercial use and households  
(d) both (a) and (c) 
(e) None of these 
 
Q11. Which of the following is true as per the information given in the passage? 
(i) Due to government policies, farmers' incomes are independent of access to market 
(ii) There is a conflict between urban population needs and urban interest 
(iii)Low-income groups depend on the urban and rural-based source of income 
(a) Both (ii) and (iii) 
(b) Only (iii) 
(c) Both (ii) and (i) 
(d) Only (j)  
(e) All of these 
 
Q12. Which of the following is opposite in meaning to ‘Intensive’ as used in the passage? 
(a) anew 
(b) retard 
(c) caveat 
(d) superficial 
(e) None of these 
 
Directions (13-17): In the following questions seven sentences are given. Further, these sentences 
may or may not form a contextually meaningful sequence. You have to rearrange these sentences 
to make a contextually meaningful paragraph. The sentence (C), which has already been 
highlighted, would be the third sentence after rearrangement. Later, answer the follow-up 
questions. 
(A) Here, using national mobility data, we estimate global emission reductions for ten species during the 
period February to June 2020.  
(B) As a result, we estimate that the direct effect of the pandemic-driven response will be negligible,  
with a cooling of around 0.01?±?0.005?°C by 2030 compared to a baseline scenario  
(C) We also estimate that global NOx emissions declined by as much as 30% in April, contributing a 
short-term cooling since the start of the year.  
(D) This cooling trend is offset by ~20% reduction in global SO2 emissions that weakens the aerosol 
cooling effect, causing short-term warming.  
(E) In contrast, with an economic recovery tilted towards green stimulus and reductions in fossil fuel 
investments, it is possible to avoid future warming of 0.3?°C by 2050. 
(F) The global response to the COVID-19 pandemic has led to a sudden reduction of both GHG emissions 
and air pollutants.  
 
Q13. Which of the following would be the correct order of sentences after rearrangement? 
(a) DECFBA 
(b) BECDFA 
(c) ABCFED 
(d) BACFED 
(e) FACDBE 
 
   
  
 
Q14. Which of the following would be the THIRD sentence after rearrangement? 
(a) A 
(b) B 
(c) C 
(d) D 
(e) F 
 
Q15. Which of the following would be the FIRST sentence after rearrangement? 
(a) A 
(b) B 
(c) C 
(d) D 
(e) F 
 
Q16. Which of the following would be the FIFTH sentence after rearrangement? 
(a) A 
(b) B 
(c) E 
(d) D 
(e) F 
 
Q17. Which of the following would be the FOURTH sentence after rearrangement? 
(a) A 
(b) B 
(c) C 
(d) D 
(e) F 
 
Directions (18-22): In each of the following questions given below are two independent sentences 
containing five words highlighted in bold. These five words may or may not be in their correct 
position. The sentences are then followed by options with the correct combination of words that 
should replace each other in order to make both the sentence grammatically and contextually 
correct. Find the correct combination of the words that replace each other.  
 
Q18. (I) Drug operated (A), when released into waterbodies even in minuscule (B) amounts, can harm 
human beings and the ecosystem in the long term. 
(II) If you allow banks to fail, depositors who compounds (C) under the presumption (D) that the 
regulatory framework would protect their money would be undermined (E). 
(a) (A)- (D) 
(b) (A)- (E) and (B)- (C) 
(c) (B)- (E) 
(d) (A)- (C) 
(e) No correction required