IBPS Clerk Prelims Mock Test - 10 - Banking Exams MCQ

Direction: Read the following passage carefully and answer the questions given below. Certain words/phrases have been printed in bold to help you locate them.

By downgrading the monsoon forecast for the year to ‘deficient’, the India Meteorological Department has pressed the panic button. The forecast now talks of 88 per cent of the long-period average, down from the preliminary figure of 93 per cent. The revised estimate is indeed cause for concern, as it holds the possibility of the country being pushed into a drought situation. These are forward-looking numbers no doubt. Yet the signals can hardly be ignored. Finance Minister Arun Jaitley has sought to talk up the sentiment by suggesting that the fears are exaggerated, and he may well be right. In his view, the geographical distribution of rainfall and its timing will matter more than the total volume of precipitation. Yet, policy-planners at the fiscal and monetary levels have not shied away from articulating their anxiety. The Centre has said it is ready to face a deficit monsoon. Union Agriculture Minister Radha Mohan Singh has made it clear that the situation is being monitored on a daily basis and that a ‘contingency plan’ is in place. The immediate worry, nay task, is to quickly devise an emergency plan to tackle the social and economic consequences of a possible drought. In the near-term, the government may do well to prepare a ready-to-roll out action programme to provide farmers a support system and fallback mechanism to ensure that they aren’t consumed by the severity of the impact, should there be a drought. This could well prove to be one of the toughest tests yet for the year-old Narendra Modi government. To minimise the annual concerns on this front, governments at the Centre and the States will have to go beyond mere mitigation strategies and work out a long-term irrigation plan in an integrated and holistic manner to optimise the groundwater potential as well.
If the forecast does come true, however, India could be facing the 12th worst drought since 1950. Already hit by unseasonal rain during the rabi season, this portends further trouble during the kharif cycle. This could lead to serious problems on the food front with consequences on the price situation. Already, lack of rural demand is dragging the economy down. The inflation-focussed Reserve Bank of India will have no more leeway to cut the interest rate in such a situation. Three quick rate cuts by the RBI totalling 75 basis points this year have not really seen any major reduction in lending rates by banks at the ground level. With mounting stressed assets and poor credit off-take, the banking industry has so far chosen to be a reluctant actor in the play. The missing X-Factor has conspired with the existing shortfalls in capacity utilisation to make the industry look forlorn. The situation demands proactive action.

Q. Which of the following is not true according to the passage?
A) Finance Minister Arun Jaitley has sought to talk up the sentiment by suggesting that the fears are exaggerated.
B) The inflation-focussed Reserve Bank of India will have no more advantage to cut the interest rate in such a situation.
C) Drought could lead to serious problems on the food front with consequences on the price situation.

Direction: Read the following passage carefully and answer the questions given below. Certain words/phrases have been printed in bold to help you locate them.

By downgrading the monsoon forecast for the year to ‘deficient’, the India Meteorological Department has pressed the panic button. The forecast now talks of 88 per cent of the long-period average, down from the preliminary figure of 93 per cent. The revised estimate is indeed cause for concern, as it holds the possibility of the country being pushed into a drought situation. These are forward-looking numbers no doubt. Yet the signals can hardly be ignored. Finance Minister Arun Jaitley has sought to talk up the sentiment by suggesting that the fears are exaggerated, and he may well be right. In his view, the geographical distribution of rainfall and its timing will matter more than the total volume of precipitation. Yet, policy-planners at the fiscal and monetary levels have not shied away from articulating their anxiety. The Centre has said it is ready to face a deficit monsoon. Union Agriculture Minister Radha Mohan Singh has made it clear that the situation is being monitored on a daily basis and that a ‘contingency plan’ is in place. The immediate worry, nay task, is to quickly devise an emergency plan to tackle the social and economic consequences of a possible drought. In the near-term, the government may do well to prepare a ready-to-roll out action programme to provide farmers a support system and fallback mechanism to ensure that they aren’t consumed by the severity of the impact, should there be a drought. This could well prove to be one of the toughest tests yet for the year-old Narendra Modi government. To minimise the annual concerns on this front, governments at the Centre and the States will have to go beyond mere mitigation strategies and work out a long-term irrigation plan in an integrated and holistic manner to optimise the groundwater potential as well.
If the forecast does come true, however, India could be facing the 12th worst drought since 1950. Already hit by unseasonal rain during the rabi season, this portends further trouble during the kharif cycle. This could lead to serious problems on the food front with consequences on the price situation. Already, lack of rural demand is dragging the economy down. The inflation-focussed Reserve Bank of India will have no more leeway to cut the interest rate in such a situation. Three quick rate cuts by the RBI totalling 75 basis points this year have not really seen any major reduction in lending rates by banks at the ground level. With mounting stressed assets and poor credit off-take, the banking industry has so far chosen to be a reluctant actor in the play. The missing X-Factor has conspired with the existing shortfalls in capacity utilisation to make the industry look forlorn. The situation demands proactive action.

Q. What does the author mean by the phrase “contingency plan is in place”?

Direction: Read the following passage carefully and answer the questions given below. Certain words/phrases have been printed in bold to help you locate them.

By downgrading the monsoon forecast for the year to ‘deficient’, the India Meteorological Department has pressed the panic button. The forecast now talks of 88 per cent of the long-period average, down from the preliminary figure of 93 per cent. The revised estimate is indeed cause for concern, as it holds the possibility of the country being pushed into a drought situation. These are forward-looking numbers no doubt. Yet the signals can hardly be ignored. Finance Minister Arun Jaitley has sought to talk up the sentiment by suggesting that the fears are exaggerated, and he may well be right. In his view, the geographical distribution of rainfall and its timing will matter more than the total volume of precipitation. Yet, policy-planners at the fiscal and monetary levels have not shied away from articulating their anxiety. The Centre has said it is ready to face a deficit monsoon. Union Agriculture Minister Radha Mohan Singh has made it clear that the situation is being monitored on a daily basis and that a ‘contingency plan’ is in place. The immediate worry, nay task, is to quickly devise an emergency plan to tackle the social and economic consequences of a possible drought. In the near-term, the government may do well to prepare a ready-to-roll out action programme to provide farmers a support system and fallback mechanism to ensure that they aren’t consumed by the severity of the impact, should there be a drought. This could well prove to be one of the toughest tests yet for the year-old Narendra Modi government. To minimise the annual concerns on this front, governments at the Centre and the States will have to go beyond mere mitigation strategies and work out a long-term irrigation plan in an integrated and holistic manner to optimise the groundwater potential as well.
If the forecast does come true, however, India could be facing the 12th worst drought since 1950. Already hit by unseasonal rain during the rabi season, this portends further trouble during the kharif cycle. This could lead to serious problems on the food front with consequences on the price situation. Already, lack of rural demand is dragging the economy down. The inflation-focussed Reserve Bank of India will have no more leeway to cut the interest rate in such a situation. Three quick rate cuts by the RBI totalling 75 basis points this year have not really seen any major reduction in lending rates by banks at the ground level. With mounting stressed assets and poor credit off-take, the banking industry has so far chosen to be a reluctant actor in the play. The missing X-Factor has conspired with the existing shortfalls in capacity utilisation to make the industry look forlorn. The situation demands proactive action.

Q. Which of the following is not the synonym of the word “mitigation”?

Direction: Read the following passage carefully and answer the questions given below. Certain words/phrases have been printed in bold to help you locate them.

By downgrading the monsoon forecast for the year to ‘deficient’, the India Meteorological Department has pressed the panic button. The forecast now talks of 88 per cent of the long-period average, down from the preliminary figure of 93 per cent. The revised estimate is indeed cause for concern, as it holds the possibility of the country being pushed into a drought situation. These are forward-looking numbers no doubt. Yet the signals can hardly be ignored. Finance Minister Arun Jaitley has sought to talk up the sentiment by suggesting that the fears are exaggerated, and he may well be right. In his view, the geographical distribution of rainfall and its timing will matter more than the total volume of precipitation. Yet, policy-planners at the fiscal and monetary levels have not shied away from articulating their anxiety. The Centre has said it is ready to face a deficit monsoon. Union Agriculture Minister Radha Mohan Singh has made it clear that the situation is being monitored on a daily basis and that a ‘contingency plan’ is in place. The immediate worry, nay task, is to quickly devise an emergency plan to tackle the social and economic consequences of a possible drought. In the near-term, the government may do well to prepare a ready-to-roll out action programme to provide farmers a support system and fallback mechanism to ensure that they aren’t consumed by the severity of the impact, should there be a drought. This could well prove to be one of the toughest tests yet for the year-old Narendra Modi government. To minimise the annual concerns on this front, governments at the Centre and the States will have to go beyond mere mitigation strategies and work out a long-term irrigation plan in an integrated and holistic manner to optimise the groundwater potential as well.
If the forecast does come true, however, India could be facing the 12th worst drought since 1950. Already hit by unseasonal rain during the rabi season, this portends further trouble during the kharif cycle. This could lead to serious problems on the food front with consequences on the price situation. Already, lack of rural demand is dragging the economy down. The inflation-focussed Reserve Bank of India will have no more leeway to cut the interest rate in such a situation. Three quick rate cuts by the RBI totalling 75 basis points this year have not really seen any major reduction in lending rates by banks at the ground level. With mounting stressed assets and poor credit off-take, the banking industry has so far chosen to be a reluctant actor in the play. The missing X-Factor has conspired with the existing shortfalls in capacity utilisation to make the industry look forlorn. The situation demands proactive action.

Q. Which of the following is not the synonym of the word “leeway”?

Direction: Read the following passage carefully and answer the questions given below. Certain words/phrases have been printed in bold to help you locate them.

By downgrading the monsoon forecast for the year to ‘deficient’, the India Meteorological Department has pressed the panic button. The forecast now talks of 88 per cent of the long-period average, down from the preliminary figure of 93 per cent. The revised estimate is indeed cause for concern, as it holds the possibility of the country being pushed into a drought situation. These are forward-looking numbers no doubt. Yet the signals can hardly be ignored. Finance Minister Arun Jaitley has sought to talk up the sentiment by suggesting that the fears are exaggerated, and he may well be right. In his view, the geographical distribution of rainfall and its timing will matter more than the total volume of precipitation. Yet, policy-planners at the fiscal and monetary levels have not shied away from articulating their anxiety. The Centre has said it is ready to face a deficit monsoon. Union Agriculture Minister Radha Mohan Singh has made it clear that the situation is being monitored on a daily basis and that a ‘contingency plan’ is in place. The immediate worry, nay task, is to quickly devise an emergency plan to tackle the social and economic consequences of a possible drought. In the near-term, the government may do well to prepare a ready-to-roll out action programme to provide farmers a support system and fallback mechanism to ensure that they aren’t consumed by the severity of the impact, should there be a drought. This could well prove to be one of the toughest tests yet for the year-old Narendra Modi government. To minimise the annual concerns on this front, governments at the Centre and the States will have to go beyond mere mitigation strategies and work out a long-term irrigation plan in an integrated and holistic manner to optimise the groundwater potential as well.
If the forecast does come true, however, India could be facing the 12th worst drought since 1950. Already hit by unseasonal rain during the rabi season, this portends further trouble during the kharif cycle. This could lead to serious problems on the food front with consequences on the price situation. Already, lack of rural demand is dragging the economy down. The inflation-focussed Reserve Bank of India will have no more leeway to cut the interest rate in such a situation. Three quick rate cuts by the RBI totalling 75 basis points this year have not really seen any major reduction in lending rates by banks at the ground level. With mounting stressed assets and poor credit off-take, the banking industry has so far chosen to be a reluctant actor in the play. The missing X-Factor has conspired with the existing shortfalls in capacity utilisation to make the industry look forlorn. The situation demands proactive action.

Q. Which of the following is the synonym of the word “devise”?

Direction: Read the following passage carefully and answer the questions given below. Certain words/phrases have been printed in bold to help you locate them.

By downgrading the monsoon forecast for the year to ‘deficient’, the India Meteorological Department has pressed the panic button. The forecast now talks of 88 per cent of the long-period average, down from the preliminary figure of 93 per cent. The revised estimate is indeed cause for concern, as it holds the possibility of the country being pushed into a drought situation. These are forward-looking numbers no doubt. Yet the signals can hardly be ignored. Finance Minister Arun Jaitley has sought to talk up the sentiment by suggesting that the fears are exaggerated, and he may well be right. In his view, the geographical distribution of rainfall and its timing will matter more than the total volume of precipitation. Yet, policy-planners at the fiscal and monetary levels have not shied away from articulating their anxiety. The Centre has said it is ready to face a deficit monsoon. Union Agriculture Minister Radha Mohan Singh has made it clear that the situation is being monitored on a daily basis and that a ‘contingency plan’ is in place. The immediate worry, nay task, is to quickly devise an emergency plan to tackle the social and economic consequences of a possible drought. In the near-term, the government may do well to prepare a ready-to-roll out action programme to provide farmers a support system and fallback mechanism to ensure that they aren’t consumed by the severity of the impact, should there be a drought. This could well prove to be one of the toughest tests yet for the year-old Narendra Modi government. To minimise the annual concerns on this front, governments at the Centre and the States will have to go beyond mere mitigation strategies and work out a long-term irrigation plan in an integrated and holistic manner to optimise the groundwater potential as well.
If the forecast does come true, however, India could be facing the 12th worst drought since 1950. Already hit by unseasonal rain during the rabi season, this portends further trouble during the kharif cycle. This could lead to serious problems on the food front with consequences on the price situation. Already, lack of rural demand is dragging the economy down. The inflation-focussed Reserve Bank of India will have no more leeway to cut the interest rate in such a situation. Three quick rate cuts by the RBI totalling 75 basis points this year have not really seen any major reduction in lending rates by banks at the ground level. With mounting stressed assets and poor credit off-take, the banking industry has so far chosen to be a reluctant actor in the play. The missing X-Factor has conspired with the existing shortfalls in capacity utilisation to make the industry look forlorn. The situation demands proactive action.

Q. Which of the following is the synonym of the word “portend”?

Direction: Read the following passage carefully and answer the questions given below. Certain words/phrases have been printed in bold to help you locate them.

By downgrading the monsoon forecast for the year to ‘deficient’, the India Meteorological Department has pressed the panic button. The forecast now talks of 88 per cent of the long-period average, down from the preliminary figure of 93 per cent. The revised estimate is indeed cause for concern, as it holds the possibility of the country being pushed into a drought situation. These are forward-looking numbers no doubt. Yet the signals can hardly be ignored. Finance Minister Arun Jaitley has sought to talk up the sentiment by suggesting that the fears are exaggerated, and he may well be right. In his view, the geographical distribution of rainfall and its timing will matter more than the total volume of precipitation. Yet, policy-planners at the fiscal and monetary levels have not shied away from articulating their anxiety. The Centre has said it is ready to face a deficit monsoon. Union Agriculture Minister Radha Mohan Singh has made it clear that the situation is being monitored on a daily basis and that a ‘contingency plan’ is in place. The immediate worry, nay task, is to quickly devise an emergency plan to tackle the social and economic consequences of a possible drought. In the near-term, the government may do well to prepare a ready-to-roll out action programme to provide farmers a support system and fallback mechanism to ensure that they aren’t consumed by the severity of the impact, should there be a drought. This could well prove to be one of the toughest tests yet for the year-old Narendra Modi government. To minimise the annual concerns on this front, governments at the Centre and the States will have to go beyond mere mitigation strategies and work out a long-term irrigation plan in an integrated and holistic manner to optimise the groundwater potential as well.
If the forecast does come true, however, India could be facing the 12th worst drought since 1950. Already hit by unseasonal rain during the rabi season, this portends further trouble during the kharif cycle. This could lead to serious problems on the food front with consequences on the price situation. Already, lack of rural demand is dragging the economy down. The inflation-focussed Reserve Bank of India will have no more leeway to cut the interest rate in such a situation. Three quick rate cuts by the RBI totalling 75 basis points this year have not really seen any major reduction in lending rates by banks at the ground level. With mounting stressed assets and poor credit off-take, the banking industry has so far chosen to be a reluctant actor in the play. The missing X-Factor has conspired with the existing shortfalls in capacity utilisation to make the industry look forlorn. The situation demands proactive action.

Q. Which of the following is the synonym of the word “holistic”?

Directions: Rearrange the following six sentence A), B), C), D), E) and F) in the proper sequence to form a meaningful paragraph and then answer the questions given below.

A) While email remains a significant attack vector for cyber criminals, they continue to experiment with new methods across mobile devices and social networks to reach more people with less effort.

B) According to a report, India ranked second among nations that were most targeted for cyber crimes through the social media in 2014, after the U.S.

C) India's growing social media population proved to be a ready base for them.

D) Cyber criminals are now using social networking sites to target users in India.

E) Over 80 per cent of these scams were shared manually as attackers took advantage of people's willingness to trust content shared by friends.

F) India had the second highest number of social media scams globally and the highest in the Asia Pacific region.

Q. Which of the following would be the 'FIRST' sentence after rearrangement?

Directions: Rearrange the following six sentence A), B), C), D), E) and F) in the proper sequence to form a meaningful paragraph and then answer the questions given below.

A) While email remains a significant attack vector for cyber criminals, they continue to experiment with new methods across mobile devices and social networks to reach more people with less effort.

B) According to a report, India ranked second among nations that were most targeted for cyber crimes through the social media in 2014, after the U.S.

C) India's growing social media population proved to be a ready base for them.

D) Cyber criminals are now using social networking sites to target users in India.

E) Over 80 per cent of these scams were shared manually as attackers took advantage of people's willingness to trust content shared by friends.

F) India had the second highest number of social media scams globally and the highest in the Asia Pacific region.

Q. Which of the following would be the 'LAST' (SIXTH) sentence after rearrangement?

Directions: Rearrange the following six sentence A), B), C), D), E) and F) in the proper sequence to form a meaningful paragraph and then answer the questions given below.

A) While email remains a significant attack vector for cyber criminals, they continue to experiment with new methods across mobile devices and social networks to reach more people with less effort.

B) According to a report, India ranked second among nations that were most targeted for cyber crimes through the social media in 2014, after the U.S.

C) India's growing social media population proved to be a ready base for them.

D) Cyber criminals are now using social networking sites to target users in India.

E) Over 80 per cent of these scams were shared manually as attackers took advantage of people's willingness to trust content shared by friends.

F) India had the second highest number of social media scams globally and the highest in the Asia Pacific region.

Q. Which of the following would be the 'FOURTH' sentence after rearrangement?

Directions: Rearrange the following six sentence A), B), C), D), E) and F) in the proper sequence to form a meaningful paragraph and then answer the questions given below.

A) While email remains a significant attack vector for cyber criminals, they continue to experiment with new methods across mobile devices and social networks to reach more people with less effort.

B) According to a report, India ranked second among nations that were most targeted for cyber crimes through the social media in 2014, after the U.S.

C) India's growing social media population proved to be a ready base for them.

D) Cyber criminals are now using social networking sites to target users in India.

E) Over 80 per cent of these scams were shared manually as attackers took advantage of people's willingness to trust content shared by friends.

F) India had the second highest number of social media scams globally and the highest in the Asia Pacific region.

Q. Which of the following would be the 'THIRD' sentence after rearrangement?

Directions: Rearrange the following six sentence A), B), C), D), E) and F) in the proper sequence to form a meaningful paragraph and then answer the questions given below.

A) While email remains a significant attack vector for cyber criminals, they continue to experiment with new methods across mobile devices and social networks to reach more people with less effort.

B) According to a report, India ranked second among nations that were most targeted for cyber crimes through the social media in 2014, after the U.S.

C) India's growing social media population proved to be a ready base for them.

D) Cyber criminals are now using social networking sites to target users in India.

E) Over 80 per cent of these scams were shared manually as attackers took advantage of people's willingness to trust content shared by friends.

F) India had the second highest number of social media scams globally and the highest in the Asia Pacific region.

Q. Which of the following would be the 'SECOND' sentence after rearrangement?

Directions : Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. The number of that part is the answer. If there is 'No error' the answer is 5). (Ignore errors of punctuation, if any)

Dealing with risk 1)/ and the need 2)/ for teamwork is 3)/ oftenly a part of the experience. 4)/ No error 5)

Directions : Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. The number of that part is the answer. If there is 'No error' the answer is 5). (Ignore errors of punctuation, if any)

In the most general sense, 1)/drought originates from a deficiency of precipitation 2)/ in an extended period of time– usually a season or more–resulting in a water shortage 3)/ for some activity, group or environmental sector. 4) /No error 5)

Directions : Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. The number of that part is the answer. If there is 'No error' the answer is 5). (Ignore errors of punctuation, if any)

Light from many different sources 1)/ contains various colours 2)/ each with 3)/ its own brightness or intense.4)/No error 5)

Directions : Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. The number of that part is the answer. If there is 'No error' the answer is 5). (Ignore errors of punctuation, if any)

When all the visible frequencies are present equally 1)/ the perceived colour 2)/ of the light is white 3) / and the spectrum is flat line. 4)/ No error 5)

Directions : Read each sentence to find out whether there is any grammatical or idiomatic error in it. The error, if any, will be in one part of the sentence. The number of that part is the answer. If there is 'No error' the answer is 5). (Ignore errors of punctuation, if any)

Earthquake results 1)/ from the sudden release of energy 2)/ in the Earth's crust 3)/ that creates seismic wave. 4)/ No error 5)

Directions: Which of the phrases (1), (2),(3) and (4) given below each sentence should replace the phrase printed in bold to make the sentence grammatically correct? If the sentence is correct as it is, mark (5), i.e. “No correction required”, as your answer.

The corruption charges were a huge blow to his reputation and his business suffered to a great extent.

Directions: Which of the phrases (1), (2),(3) and (4) given below each sentence should replace the phrase printed in bold to make the sentence grammatically correct? If the sentence is correct as it is, mark (5), i.e. “No correction required”, as your answer.

Airline companies pay nearly 25 billion dollars for their right of fly over the countries other than their parent country.

Directions: Which of the phrases (1), (2),(3) and (4) given below each sentence should replace the phrase printed in bold to make the sentence grammatically correct? If the sentence is correct as it is, mark (5), i.e. “No correction required”, as your answer.

When he fell down the ditch, he shouted with all his might so that to catch someone's attention.

Directions: Which of the phrases (1), (2),(3) and (4) given below each sentence should replace the phrase printed in bold to make the sentence grammatically correct? If the sentence is correct as it is, mark (5), i.e. “No correction required”, as your answer.

Disparity between the earnings of the poor and the rich has widen in the last few decades.

Directions: Which of the phrases (1), (2),(3) and (4) given below each sentence should replace the phrase printed in bold to make the sentence grammatically correct? If the sentence is correct as it is, mark (5), i.e. “No correction required”, as your answer.

Instead of teaching abstracted concepts, the new and improved textbooks tell stories of real people so that the children can identify with the characters.

Directions : Choose the option which has correct pair to fill the blank space given in question.

 .…………….camera design begins with the hands – an advertisement for handy cam.

(A) Each  

(B) Every 

(C) Any

(D) All  

(E) Some 

(F) Everywhere

Directions : Choose the option which has correct pair to fill the blank space given in question.

President Obama’s election campaign for second term has gone in ……………….as charges of corruption are imposed on his office by investigating agency.

(A) Suffering 

(B) Abstinence 

(C) Turmoil

(D) Impeding 

(E) Slapdash 

(F) Turbulence

Directions : Choose the option which has correct pair to fill the blank space given in question.

It is official, the not so …………. global economy has dragged down the optimism level of Indians also.

(A) Buoyant 

(B) Promising 

(C) Affluent

(D) Sluggish 

(E) Floating 

(F) Insulated

Directions : Choose the option which has correct pair to fill the blank space given in question.

Minister …………………….read a wrong speech at United Nations and this is not limited to India but Pakistani beautiful foreign minister Rabbani also addressed ‘extinguished guests’ instead of ‘distinguished  guests’.

(A) Indifferently 

(B) Carefully 

(C) Intentionally

(D) Nonchalantly 

(E) Nervously 

(F) Repeatedl

Directions : Choose the option which has correct pair to fill the blank space given in question.

Foreign Companies demanded a better investment ………………….in India for promoting their products.

(A) Climate  

(B) Atmosphere    

(C) Surroundings

(D) Weather 

(E) Scenario 

(F) Schemes