Choose the sentence with the most appropriate use of the modifier.modifier के सबसे उपयुक्त प्रयोग वाला वाक्य चुनिए।
Correct answer: Having reviewed the proposal, the committee recommended several amendments.
Explanation: The introductory participial phrase 'Having reviewed the proposal' must logically modify the subject that performed the review. In option 1, that subject is 'the committee'.
Question 62 · Hard
Identify the error: The information provided by the applicants / were insufficient to establish their eligibility / for the specialised recruitment process. / No errorआवेदकों द्वारा दी गई जानकारी / उनकी पात्रता स्थापित करने के लिए अपर्याप्त थी / विशेष भर्ती प्रक्रिया के लिए। / कोई त्रुटि नहीं
Correct answer: were insufficient to establish their eligibility
Explanation: 'Information' is an uncountable singular noun, so the correct verb is 'was', not 'were'.
Question 63 · Hard
Choose the word closest in meaning to 'MITIGATE' in: The revised policy is intended to mitigate the risks associated with excessive leverage.वाक्य में 'MITIGATE' के निकटतम अर्थ वाला शब्द चुनिए: संशोधित नीति excessive leverage से जुड़े जोखिमों को कम करने के लिए है।
Correct answer: alleviate
Explanation: 'Mitigate' means to make something less severe or harmful. 'Alleviate' has the same sense.
Question 64 · Hard
Read the passage: 'A rise in policy rates does not affect every borrower equally. Households with floating-rate loans may experience an immediate increase in repayments, whereas borrowers with fixed-rate contracts may initially remain unaffected. The overall impact therefore depends not only on the size of the rate change but also on the structure of existing credit.' What is the main inference?गद्यांश पढ़िए: 'Policy rates में वृद्धि हर borrower को समान रूप से प्रभावित नहीं करती। Floating-rate loans वाले households को repayments में तत्काल वृद्धि हो सकती है, जबकि fixed-rate contracts वाले borrowers शुरुआत में प्रभावित नहीं हो सकते। इसलिए overall impact केवल rate change के आकार पर नहीं बल्कि existing credit की संरचना पर भी निर्भर करता है।' मुख्य निष्कर्ष क्या है?
Correct answer: The impact of a policy-rate change varies according to borrowers' loan structures.
Explanation: The passage contrasts floating- and fixed-rate borrowers and concludes that the effect depends on the structure of existing credit as well as the rate change.
Question 65 · Hard
Arrange the sentences in the most logical order: A. As a result, lenders have become more cautious about extending unsecured credit. B. Rising household indebtedness has attracted greater attention from financial regulators. C. The concern is not limited to individual borrowers but can also affect overall financial stability. D. Regulators are therefore examining whether existing safeguards remain adequate.वाक्यों को सबसे तार्किक क्रम में व्यवस्थित कीजिए: A. परिणामस्वरूप lenders unsecured credit देने में अधिक सतर्क हो गए हैं। B. बढ़ते household indebtedness ने financial regulators का अधिक ध्यान आकर्षित किया है। C. चिंता केवल individual borrowers तक सीमित नहीं है बल्कि overall financial stability को भी प्रभावित कर सकती है। D. इसलिए regulators जांच रहे हैं कि मौजूदा safeguards पर्याप्त हैं या नहीं।
Correct answer: BACD
Explanation: B introduces the issue; A gives an immediate consequence; C broadens the concern; D follows with the regulatory response using 'therefore'. Hence BACD.
Question 66 · Hard
Choose the best replacement: The HR department requested all employees **to refrain from sharing confidential documents with unauthorised persons**.सर्वोत्तम replacement चुनिए: HR विभाग ने सभी कर्मचारियों से गोपनीय दस्तावेज अनधिकृत व्यक्तियों के साथ साझा करने से बचने का अनुरोध किया।
Correct answer: to refrain from sharing confidential documents with unauthorised persons
Explanation: 'Refrain from' is correctly followed by a gerund (-ing form), so 'refrain from sharing' is grammatically correct.
Question 67 · Hard
Choose the grammatically correct sentence.सही व्याकरणिक वाक्य चुनिए।
Correct answer: Scarcely had the results been announced when the candidates began comparing their scores.
Explanation: With 'scarcely' at the beginning, inversion is required and the standard pair is 'scarcely...when'.
Question 68 · Hard
Choose the word that best fits: The committee's findings were sufficiently ___ to withstand scrutiny from independent experts.उपयुक्त शब्द चुनिए: समिति के निष्कर्ष स्वतंत्र विशेषज्ञों की जांच का सामना करने के लिए पर्याप्त रूप से ___ थे।
Correct answer: robust
Explanation: 'Robust' means strong and well-supported. It is the only option that logically fits findings capable of withstanding expert scrutiny.
Question 69 · Hard
The new compliance framework is designed to prevent banks from ___ customer data while also ___ legitimate analytical uses of such information.नया compliance framework बैंकों को customer data का ___ करने से रोकने के साथ-साथ ऐसी जानकारी के वैध analytical uses को ___ करने के लिए बनाया गया है।
Correct answer: misusing, permitting
Explanation: 'Misusing' fits the negative action being prevented, while 'permitting' fits the intended allowance of legitimate analytical use.
Question 70 · Hard
Identify the segment containing an error: The number of applicants seeking / government-backed credit facilities have increased sharply / over the past two quarters. / No errorसरकारी समर्थित ऋण सुविधाओं की मांग करने वाले आवेदकों की संख्या / पिछले दो तिमाहियों में तेजी से बढ़ी है / । / कोई त्रुटि नहीं
Correct answer: government-backed credit facilities have increased sharply
Explanation: 'The number of applicants' is singular, so the verb should be 'has increased', not 'have increased'.
Question 71 · Hard
Choose the best improvement: The policy is expected to benefit small enterprises, **many of which are operating on thin margins and face difficulties in obtaining formal credit**.सर्वोत्तम सुधार चुनिए: इस नीति से छोटे उद्यमों को लाभ होने की उम्मीद है, जिनमें से कई कम margins पर काम करते हैं और formal credit प्राप्त करने में कठिनाई का सामना करते हैं।
Correct answer: many of which are operating on thin margins and face difficulties in obtaining formal credit
Explanation: 'Enterprises' are things, so the relative pronoun 'which' is correct, not 'whom'. The plural subject also requires 'are' and 'face'.
Question 72 · Hard
Choose the word most opposite in meaning to 'PRAGMATIC' as used in: The committee adopted a pragmatic approach to the issue.वाक्य में 'PRAGMATIC' के विलोम अर्थ वाला शब्द चुनिए: समिति ने समस्या के प्रति व्यावहारिक दृष्टिकोण अपनाया।
Correct answer: idealistic
Explanation: 'Pragmatic' means practical and focused on workable outcomes. 'Idealistic' is its closest opposite because it emphasizes ideals rather than practical constraints.
Question 73 · Hard
Identify the incorrect part: No sooner had the announcement been made / when several applicants began sending queries / regarding the revised eligibility criteria. / No errorघोषणा होते ही / कई आवेदकों ने प्रश्न भेजने शुरू कर दिए / संशोधित पात्रता मानदंड के संबंध में। / कोई त्रुटि नहीं
Correct answer: when several applicants began sending queries
Explanation: With 'no sooner', the correct correlative conjunction is 'than', not 'when'. The second segment should read 'than several applicants...'.
Question 74 · Hard
Read the passage: 'Financial inclusion is not merely about opening bank accounts. It also requires affordable access to useful financial products, reliable digital infrastructure, and sufficient financial literacy. Without these supporting conditions, account ownership may not translate into meaningful participation in the formal financial system.' What can be inferred from the passage?गद्यांश पढ़िए: 'वित्तीय समावेशन केवल बैंक खाते खोलने तक सीमित नहीं है। इसके लिए उपयोगी वित्तीय उत्पादों तक सस्ती पहुँच, विश्वसनीय डिजिटल infrastructure और पर्याप्त financial literacy भी आवश्यक है। इन सहायक परिस्थितियों के बिना account ownership औपचारिक वित्तीय प्रणाली में सार्थक भागीदारी में परिवर्तित नहीं हो सकती।' गद्यांश से क्या निष्कर्ष निकाला जा सकता है?
Correct answer: Formal account ownership may be insufficient without supporting conditions.
Explanation: The passage explicitly states that account ownership alone does not ensure meaningful participation; affordability, infrastructure and literacy are also necessary.
Question 75 · Hard
Arrange the sentences in the most logical order: A. This has made investors increasingly sensitive to unexpected policy changes. B. Monetary policy affects borrowing costs across the economy. C. Even small changes in policy rates can therefore alter investment decisions. D. The effect is particularly significant when businesses are operating with narrow profit margins.वाक्यों को सबसे तार्किक क्रम में व्यवस्थित कीजिए: A. इससे निवेशक अप्रत्याशित नीतिगत बदलावों के प्रति अधिक संवेदनशील हो गए हैं। B. मौद्रिक नीति पूरी अर्थव्यवस्था में उधारी की लागत को प्रभावित करती है। C. इसलिए नीतिगत दरों में छोटे बदलाव भी निवेश निर्णयों को बदल सकते हैं। D. यह प्रभाव विशेष रूप से महत्वपूर्ण है जब व्यवसाय कम लाभ मार्जिन पर काम कर रहे हों।
Correct answer: BCAD
Explanation: B introduces monetary policy and borrowing costs; C follows with 'therefore'; A explains the resulting investor sensitivity; D then specifies when the effect is particularly significant.
Question 76 · Hard
Choose the correct replacement: The audit committee recommended that the bank **takes immediate corrective measures** to address the deficiencies.सही replacement चुनिए: Audit committee ने सिफारिश की कि बैंक कमियों को दूर करने के लिए तत्काल सुधारात्मक कदम उठाए।
Correct answer: take immediate corrective measures
Explanation: After 'recommended that' in a formal subjunctive construction, the base form 'take' is preferred.
Question 77 · Hard
Choose the sentence that is grammatically correct.वह वाक्य चुनिए जो व्याकरण की दृष्टि से सही है।
Correct answer: Neither the revised guidelines nor the circular issued yesterday contains any ambiguity.
Explanation: With 'neither...nor', the verb agrees with the nearer subject. The nearer subject is singular 'circular', so 'contains' is correct.
Question 78 · Hard
Choose the most appropriate word: The minister's statement was deliberately ___, leaving room for negotiation without making any firm commitment.उपयुक्त शब्द चुनिए: मंत्री का बयान जानबूझकर ___ था, जिससे किसी निश्चित प्रतिबद्धता के बिना बातचीत की गुंजाइश बनी रही।
Correct answer: equivocal
Explanation: 'Equivocal' means deliberately ambiguous or open to more than one interpretation, which fits a statement that leaves room for negotiation.
Question 79 · Hard
The regulator introduced stricter disclosure norms ___ investors could make informed decisions and ___ misleading claims could be identified at an early stage.नियामक ने कड़े disclosure norms लागू किए ___ निवेशक सूचित निर्णय ले सकें और ___ भ्रामक दावों की प्रारंभिक चरण में पहचान हो सके।
Correct answer: so that, so that
Explanation: The conjunction 'so that' correctly expresses purpose in both blanks: the norms were introduced to enable informed decisions and early identification of misleading claims.
Question 80 · Hard
Identify the segment containing an error: The rapid expansion of digital banking / have made financial services more accessible / to customers in remote areas. / No errorडिजिटल बैंकिंग के तेजी से विस्तार / ने वित्तीय सेवाओं को अधिक सुलभ बना दिया है / दूरदराज के क्षेत्रों में ग्राहकों के लिए। / कोई त्रुटि नहीं
Correct answer: have made financial services more accessible
Explanation: 'The rapid expansion' is a singular subject, so the verb should be 'has made', not 'have made'.