Directions: Read the passage given below and answer the questions that follow by choosing the correct/most appropriate options.

AU Small Finance Bank Limited is an Indian Small Finance Bank, based in Jaipur, India. It was founded as vehicle finance company AU Financiers (India) Ltd. in 1996 and converted to a small finance bank on April 19, 2017.

AU Small Finance Bank serves low and middle-income individuals and micro and small businesses that have limited or no access to formal banking and finance channels. The Bank offers loans, deposits, and payment products and services. AU Small Finance Bank ranked 355 in the list of Fortune India 500 (2019) companies, with annual revenue of 3410.87 crore (US$427 million) and Total B/S Assets of 31198.68 crore (US$ 3.9 billion).

AU Bank enjoys a long-term credit rating of "AA-/Stable" from CRISIL Ratings, ICRA Ratings, India Ratings and CARE Ratings.

The company was founded by Sanjay Agarwal (Managing Director and CEO of AU Small Finance Bank) as a private limited company, and publicly listed in an IPO on June 29, 2017. A merit holder Chartered Accountant and a first-generation entrepreneur, he holds ~ 28.5% stake in the bank. He is supported by a team of 23486 employees.

AU Small Finance Bank is listed on NSE and BSE with a market capitalisation of ~ 37942 crore. On its first day of trading, the stock rose 51% to be the most expensive bank in India based on price-to-book. In November 2017, the Reserve Bank of India added the bank to its schedule of commercial banks, further improving the bank's growth prospects by reducing the cost of short-term funds and improving the bank's ability to provide services.

Over the years, the Bank has attracted marquee investors like IFC, Warburg Pincus, Temasek Holdings, Nomura, Kotak Mahindra MF, etc. Private equity companies that provided venture capital, including Warburg Pincus and International Finance Corporation, made partial exits for as much as nine times their original investment.

Due to its history as a vehicle finance company, as of March 2018 almost all the loans made by AU Small Finance Bank were secured, unlike most small finance banks that have unsecured loans due to their background in microfinance. This provides lower yields (lower interest rates) than unsecured loans, so the bank has been particularly active in growing its deposits, as bank deposits have a lower cost than other sources of funds. It has also sought to diversify into savings products like deposits, payment/transaction banking, distribution of third-party products, and additional loan products thereby positioning itself as a holistic financial products and services provider.

As on June 30, 2021, AU Small Finance Bank's distribution network............... 758 Banking Touchpoints and 23486 employees spread contiguously across 15 states and two Union Territories with over 2 million customers.

The bank has operations in 15 States and two Union Territories, with Rajasthan, Gujarat, Maharashtra, and Madhya Pradesh being key states. It is one of the largest banks by a number of locations in its home state of Rajasthan.

Choose the synonym of the word 'Improving'.

Read the passage given below and answer the questions that follow.

It is well accorded that COVID-19 extracts a huge toll on the mental health of patients and leaves behind a slew of neurological sequelae in its wake. However, what is alarming is the wide gamut of mental and neurological disorders seen even in those with milder symptoms. Such patients frequently reported being anxious, depressed and having difficulty in sleeping. A higher incidence of frank psychosis manifesting as disorganization of thought processes and personality disorders was also reported. Many survivors of COVID19 had to battle substance abuse in its immediate aftermath. There was a steep increase in the amount of alcohol consumed by regular drinkers. Persons who had stopped smoking and consuming alcohol resumed their habit in disconcerting numbers.

The occurrence of neurodegenerative disorders like Parkinsonism is concerning as this would bring longterm disability in the form of impaired mobility and memory decline. It has been hypothesized that the causative mechanism for many of the neurological conditions due to COVID-19 may be the direct invasion of the nervous system by the virus, an increased tendency to blood clotting or an exaggerated immune response by the body. Various other factors like pre-existing psychiatric illness, prolonged quarantine, perceived lack of organizational support, and social stigma are risk factors. Anxiety, Nervousness, and Posttraumatic stress disorder are often fuelled by fear of infecting other family members, physical distancing, loneliness, and ________ at home in cramped quarters.

The pandemic has radically transformed the way businesses function and services delivered. Remote working disrupts a healthy-work life balance. Face to face contact and human interactions which were considered so essential for emotional well-being has taken a backseat. Lack of comforting physical contact like shaking hands and hugging friends is stressful and disconcerting. Online classes and home-schooling have placed a gargantuan burden both on students and parents. Lack of access to reliable computer hardware and spotty internet connections, particularly in rural areas and in the economically backward have created a new class divide. Children have been deprived of co-curricular activities, participation in group events and sports which is essential for their holistic development. Mental stress and fatigue have increased manyfold due to the rigours imposed by virtual learning.

What is the synonym of the word function given in the passage?

Read the given passage and answer the questions that follow.

Santiniketan embodies Rabindranath Tagore’s vision of a place of learning that is unfettered by religious and regional barriers. Established in 1863 with the aim of helping education go beyond the confines of the classroom, Santiniketan grew into the Visva Bharati University in 1921, attracting some of the most creative minds in the country.

He developed a curriculum that was a unique blend of art, human values and cultural interchange. Even today, in every step, in every brick and in every tree at Santiniketan, one can still feel his presence, his passion, his dedication and his pride in the institution. In 1862, Maharishi Debendranath Tagore, father of Rabindranath, was taking a boat ride through Birbhum, the westernmost corner of Bengal, when he came across a landscape that struck him as the perfect place for meditation. He bought the large tract of land and built a small house and planted some saplings around it. Debendranath Tagore decided to call the place Santiniketan, or the ‘abode of peace’, because of the serenity it brought to his soul. In 1863, he turned it into a spiritual centre where people from all religions, castes and creeds came and participated in meditation.

In the years that followed, Debendranath’s son Rabindranath went on to become one of the most formidable literary forces India has ever produced. He wrote in all literary genres but he was first and foremost a poet. As one of the earliest educators to think in terms of the global village, he envisioned an education that was deeply rooted in one’s immediate surroundings but connected to the cultures of the wider world.

Located in the heart of nature, the school aimed to combine education with a sense of obligation towards the larger civic community. Blending the best of western and traditional eastern systems of education, the curriculum revolved organically around nature with classes being held in the open air. Tagore wanted his students to feel free despite being in the formal learning environment of a school, because he himself had dropped out of school when he found himself unable to think and felt claustrophobic within the four walls of a classroom. Nature walks and excursions were a part of the curriculum, special attention was paid to natural phenomena and students were encouraged to follow the life cycles of insects, birds and plants.

The rural paradise of Santiniketan, Tagore’s erstwhile home, has become a thriving centre of art, education and internationalism over the years.

Which of these statements about Santiniketan is NOT true?

Directions: In the following passage, some of the words have been left out, each of which is indicated by a number. Find the suitable word from the options given against each number and fill up the blanks with appropriate words to make the paragraph meaningfully complete. Stanford economist Nicholas Bloom is a true believer, and like many true believers, he lets his message __(A) __ his evidence. Based on a single study of a Chinese travel agency, he __(B) __ declares working from home a “future-looking technology” with “enormous potential.”Not so fast.

Bloom’s study comes with serious limitations and is contradicted by a later Gallup report. However, while it is far too soon to draw broad __(C) __ from his findings, savvy business leaders can read between the lines and extract some valuable lessons for working ___(D) ___ with all employees. Bloom __(E) __ on China’s biggest travel agency, Ctrip, which wanted to expand while controlling office space costs. They __(F) __ a remote work trial, expecting that productivity would slip a little, but not enough to cancel out the savings. Instead, productivity shot up 13%, and attrition dropped 50%. When the work-from-home option was rolled out to the entire company and employees were given a choice, the productivity gains were 22%.

Question A

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

The Celts who lived in Britain before the Roman invasion of 43 AD could be said to have created the first towns. Celts in southern England lived in hill forts, which were quite large settlements. (Some probably had thousands of inhabitants). They were places of trade, where people bought and sold goods and also places where craftsmen worked. The Romans called them oppida.

However, the Romans created the first settlements that were undoubtedly towns. Roman towns were usually laid out in a grid pattern. In the centre was the forum or market place. It was lined with public buildings. Life in Roman towns was highly civilized with public baths and temples.

From the 5th century Angles, Saxons and Jutes invaded England. At first, the invaders avoided living in towns. However, as trade grew some towns grew up. London revived by the 7th century (although the Saxon town was, at first, outside the walls of the old Roman town). Southampton was founded at the end of the 7th century. Hereford was founded in the 8th century. Furthermore, Ipswich grew up in the 8th century and York revived. However, towns were rare in Saxon England until the late 9th century. At that time, Alfred the Great created a network of fortified settlements across his kingdom called ‘burhs’. In the event of a Danish attack, men could gather in the local burh. However, burhs were more than forts. They were also market towns. Some burhs were started from scratch but many were created out of the ruins of old Roman towns. Places like Winchester rose, phoenix-like, from the ashes of history.

The thing that would strike us most about medieval towns would be their small size. Winchester, the capital of England, probably had about 8,000 people. At that time a 'large' town, like Lincoln or Dublin had about 4,000 or 5,000 inhabitants and a 'medium sized' town, like Colchester had about 2,500 people. Many towns were much smaller. However, during the 12th and 13th centuries most towns grew much larger. Furthermore, many new towns were created across Britain. Trade and commerce were increasing and there was a need for new towns. Some were created from existing villages but some were created from scratch. In those days you could create a town simply by starting a market. There were few shops so if you wished to buy or sell anything you had to go to a market. Once one was up and running, craftsmen and merchants would come to live in the area and a town would grow.

Alfred the Great created fortified settlements across his kingdom mainly because:

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

The giraffe is the tallest land mammal alive, its long legs and neck contributing to its impressive stature. Males can be up to 18ft (5.5m tall), females a little less.

In the wild, these beautiful creatures stretch their necks beyond those of antelope, kudu and even elephants to strip leaves from the untouched upper reaches of trees. The French zoologist Jean-Baptiste Lamarck is usually credited as the first person to suggest that long necks have evolved in giraffes because they allow them to get to the parts other herbivores cannot reach.

As the giraffe lives "in places where the soil is nearly always arid and barren, it is obliged to browse on the leaves of trees and to make constant efforts to reach them," he wrote in his 1809 book ‘Philosophie Zoologique’. "From this habit long maintained in all its race, it has resulted that the animal's fore-legs have become longer than its hind legs, and that its neck is lengthened."

The English naturalist Charles Darwin also thought the giraffe's extraordinary legs and neck must have something to do with foraging. "The giraffe, by its lofty stature, much elongated neck, fore-legs, head and tongue, has its whole frame beautifully adapted for browsing on the higher branches of trees," he wrote in ‘On the Origin of Species’ in 1859. In short, giraffes' long necks are the result of generation upon generation of repeated stretching and inheritance.

During the dry season when feeding competition should be most intense giraffe generally feed from low shrubs, not tall trees. What's more, giraffes feed most often and faster with their necks bent

Male giraffes often fight for access to females, a ritual referred to as "necking". The rivals stand flank to flank, then start to whack each other with their heads. The top or back of the well-armoured skull is used as a club to strike the neck, chest, ribs, or legs of the opponent with a force capable of knocking a competitor off balance or unconscious. The largest males usually win these battles and do most of the breeding, says zoologist Anne Innis Dagg of the University of Waterloo in Ontario, Canada, who has been studying giraffes since the 1950s. "The other giraffes don't get much breeding opportunity." There is also evidence that females are more receptive to advances from larger males.

Giraffe’s feeding is faster when it feeds with its neck:

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

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

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

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

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

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

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

It can be inferred from the passage that this year’s fire in Australia is mostly a result of:

Read the given passage and answer the questions that follow.

Chanhudaro was a tiny settlement (less than 7 hectares) as compared to Mohenjodaro (125 hectares), almost exclusively devoted to craft production, including bead-making, shellcutting, metal-working, seal-making and weight-making. The variety of materials used to make beads is remarkable: stones like carnelian (of a beautiful red colour), jasper, crystal, quartz and steatite; metals like copper, bronze and gold; and shell, faience and terracotta or burnt clay. Some beads were made of two or more stones, cemented together, some of stone with gold caps. The shapes were numerous – disc shaped, cylindrical, spherical, barrel-shaped, segmented. Some were decorated by incising or painting, and some had designs etched onto them.

Techniques for making beads differed according to the material. Steatite, a very soft stone, was easily worked. Some beads were moulded out of a paste made with steatite powder. This permitted making a variety of shapes, unlike the geometrical forms made out of harder stones. How the steatite micro bead was made remains a puzzle for archaeologists studying ancient technology. Archaeologists’ experiments have revealed that the red colour of carnelian was obtained by firing the yellowish raw material and beads at various stages of production. Nodules were chipped into rough shapes, and then finely flaked into the final form. Grinding, polishing and finally drilling completed the process. Specialised drills have been found at Chanhudaro, Lothal and more recently at Dholavira. Nageshwar and Balakot, both settlements are near the coast. These were specialised centres for making shell objects – including bangles, ladles and inlay – which were taken to other settlements. Similarly, it is likely that finished products (such as beads) from Chanhudaro and Lothal were taken to the large urban centres such as Mohenjodaro and Harappa.

Which of these stones is very soft and easy to mould?