Directions: In each of the following questions a passage is given in which there is a blank. Choose the most logical and appropriate option from the five options given that can be filled in the blank.
- The small, 20-basis point increase in Indian households’ allocation to financial savings has been widely celebrated in the last two years as a structural shift. Such celebration, however, may have been premature going by the findings of an expert committee on household finances commissioned by the RBI. The committee, chaired by Tarun Ramadorai, unearths deep-rooted cultural and structural causes for ………and sit on unproductive physical assets. The findings call for a reboot in the current policy approach towards savings and investment products.
A) very few Indians are investing towards retirement,
B) why Indian households across the spectrum avoid financial products
C) these recommendations are eminently sensible, their implementation is unlikely to prove easy
D) why Indians find financial products daunting
E) None of these
- Rail mishaps are not an uncommon occurrence in India, but rarely does one see heads roll at the very top. After the August 19 mishap when the Puri-Haridwar Utkal Express derailed near Muzaffarnagar and killed over 20 people, the Railway Board chairman and member (engineering) were sent packing. Railway Minister Suresh Prabhu has offered to resign, but the Prime Minister has asked him to wait rather than reject his offer outright — ………….
A) a moot point whether replacing Prabhu will improve matters
B) an indication that the latter is not pleased with the functioning of the railways
C) a persistent shortage of loco pilots, with nearly 19,000 vacancies
D) a shift to LHB coaches that do not pile up on top of each other in the event of derailment should be expedited
E) None of these
- It isn’t often that we’re given the privilege of watching history unfold before our eyes. But the privacy judgement handed down by a nine-judge bench of the Supreme Court is ……….. And it’s safe to say that the learned judges have in five separate judgments come down on the side of the angels by unanimously declaring that privacy is a fundamental right protected by Article 21 and Part III of the Constitution. To make their position crystal clear, the judges also did a considerable amount of judicial cleaning up and specifically overruled earlier judgments like MP Sharma and Kharak Singh to the extent they held that privacy was not a fundamental right.
A) that privacy was a concept foreign to India and one enjoyed only by the more affluent classes
B) that the poor need no civil and political rights and are concerned only with economic well-being
C) that privacy is a concept that cannot be defined
D) one that will be scrutinised and interpreted for decades.
E) None of these
- The Supreme Court has once again stepped in where successive legislatures have failed to tread. On critical counts of ensuring relief to the individual concerned while also protecting a woman’s right and legitimacy as an equal citizen, the apex court’s judgment holding instant and irrevocable talaq unconstitutional has rightfully been hailed as historic. Although the Court had, in Shamim Ara versus State of UP, already invalidated triple talaq in 2002, the majority judgment in the latest case takes a significant step forward by underlining ……….under Article 25 (freedom of religion) of the Constitution. The triumvirate of judges who prevailed over Chief Justice JS Khehar and Justice S Abdul Naseer asserted that since the 1937 Sharia Application Act mentions the word talaq, it was no longer a personal law to escape the scope of the fundamental rights
A) which had also been challenged through the PIL
B) that the legislature missed the opportunity to address
C) that this utterly unjust practice is not protected
D) unearths deep-rooted cultural and structural causes
E) None of these
- More than ten days after over 70 children having died at the Baba Raghav Das Memorial Hospital in Gorakhpur, it is still not clear what caused the colossal loss of lives. The paucity of oxygen cylinders, which led to 30 children dying on August 10 and 11 according to official reports, seems to have been the immediate factor. The run-up of events leading to this situation needs to be established by an independent inquiry and the guilty punished. This points to a systems failure in the hospital, which is incidentally a major healthcare provider for about 15 districts in Uttar Pradesh, besides people from neighbouring Nepal. In the last one week, the supposed role of Japanese encephalitis has come into the picture, even as it became evident ……
A) that there are only 25 medical colleges, public and private
B) that children were succumbing to a range of ailments.
C) that over-reliance on the private sector can be misplaced
D) healthcare requires attention in terms of funds and quality of personnel
E) None of these
- Bitcoin, the world’s most popular virtual currency that was first mined in 2008, can no longer be ignored as just another passing geek fad. The market capitalisation of bitcoins currently stands at $67 billion and daily traded volumes crossed $2 billion last week. The RBI has so far adopted a conservative approach in dealing with virtual currencies, cautioning investors about the risks in 2013 and recently releasing a statement saying that …….. and that anyone dealing in these currencies are doing so at their own risk.
A) bitcoin transaction is recorded and verified in open ledgers called block-chains
B) the sharp increase in recent months is a case in point
C) the bitcoin exchanges in the country are operating without the central bank’s permission the bitcoin exchanges in the country are operating without the central bank’s permission
D) the purview of SEBI with the stock market regulator framing rules for registering exchanges
E) None of these
- There’s an air of resignation overhanging the highly charged world of American politics and we’re not just talking about the steady exodus from the White House. President Donald Trump’s legions of enemies concede that despite his wild statements and unpredictable actions, he’s got over three years to go and he’s also still able to strike an unexpected chord with many US voters. Last week, when Trump refused to condemn neo-Nazis outright and also lost his key right-hand man Steve Bannon, ……… — not for the first time — that it was Trump’s worst week yet.
A) that hands down weighty judgments has put Trump on its cover
B) his enemies collectively clutched their heads and declared
C) where we’re facing the Chinese, there’s a growing sense that we may be on our own
D) we may have to proceed all the more carefully in the days ahead
E) None of these
- For long, Indian investors have believed that widely held institutionally-owned companies are better governed and less vulnerable to pulls and pushes from promoters than family-owned businesses. But this has been conclusively disproved by the unsavoury turn of events at Infosys, once the poster-child for corporate governance. On Friday, Infosys’ CEO Vishal Sikka tendered his resignation, stating that “baseless personal attacks” and a “continuous drumbeat of distractions” ………..
A) has countered these allegations and demonstrated that it followed due processes
B) had the necessary approvals from shareholders and the board
C) have had complaints with Infosys’ management
D) had made it difficult for him to focus on his job
E) None of these
- After shrinking to an eight-year low in FY17, India’s bullion import bill is showing signs of bloating again. Latest data from the commerce ministry indicate that gold imports in the first four months of this fiscal, at $13.35 billion, doubled in value from the year-ago period. This contributed to a threefold expansion in the merchandise trade deficit to $34 billion. Given that ……
A) imports on this count have begun to normalise
B) gold imports spiked in July as some sections of trade exploited a tariff loophole
C) gold imports have been a wild card factor in trade imbalances
D) the Centre should urgently consider measures such as a safeguard duty
E) None of these
- Unlike most other industries, automakers were an ecstatic lot last month when the GST was rolled out. Strangely enough, the new tariff structures put in place by the GST Council ended up lowering the effective tax rates on large cars and SUVs, from 50-55 per cent to 43 per cent. This was on account of the Council fixing the cess component on these vehicles at 15 per cent, on a 28-per cent basic GST. This ran counter to the popular view, reiterated by the Courts, that car buyers must be actively dis-incentivised from acquiring large diesel-guzzling vehicles. But it turns out that this celebration was premature. …… last week, the GST Council has pegged the cess for large cars and SUVs at 25 per cent, taking their effective GST rate to 53 per cent.
A) clearing up stocks
B) repricing of the carried forward inventory
C) pinning its hopes on Make in India
D) Tweaking the cess component again
E) None of these
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