Looking for Entrance Examination Model Question Paper for M.Sc (Criminology and Criminal Justice Science) Admission 2015-2016 in the Dept of Criminology of Madras University ? You can get it all below:
1. Answer all the questions
2. Use the ANSWER SHEET to answer the questions and do not mark in the question booklet
3. Options ‘a’, ‘b’, ‘c’, ‘d’ or ‘e’ are to be marked with blue/black ball point pen in the answer/coding sheet.
SECTION –A 50 x 1 = 50
Choose the correct answer from the options given below for each question.
1. What are the official languages of the UNO?
a) English, French and Russian
b) English, French, German and Russian
c) English, French, Russian, Chinese and Hindi
d) English, French, Chinese, Russian, Arabic and Spanish
2. The book “The idea of justice” is written by
a) Hamid Ansari b) A P J Abdul Kalam c) Amartya Sen d) Shasi Tharoor
3. Which of the following is a child helpline number?
a) 1088 b) 1089 c) 1098 d) 1009
4. _____________ is the chief justice of India.
a) P.Sathasivam b) K.G.Balakrishnan c) R.M. Lodha d) A.K.Ganguly
5. 2010 FIFA world cup was hosted by:
a) Brazil b) South Africa c) Germany d) Spain
6. The Fourth Estate refers to:
a) Public opinion b) Political Parties c) Press d) Chamber of Commerce
7. ____________ is the chairperson of the NHRC.
a) P. Sathasivam b) K.G. Balakrishnan c) A.S. Anand d) R.M. Lodha
8. Who is the director of the CBI?
a) Ranjit Sinha b) Raghavan c) Karthikeyan d) Ramakrishnan
9. On which date is the Human Rights Day observed every year?
a) 10th January b) 10th December c) 10th September d) 10th February
10. Entomology is the study of
a) Human beings b) Insects c) Formation of rocks d) Birds
11. Which of the following is not associated with UNO?
a) ILO b) WHO c) ASEAN d) All the above
12. Ecology is the study of
a) Birds b) Self formation c) Relation between organisms and environment d) Tissues
13. India hosted the Asian Games for the first time in the year
a) 1951 b) 1982 c) 1968 d) 1974
14. Next to Hindi, the language spoken by the largest number of people in the Indian sub-continent is:
a) Urdu b) Telugu c) Bangla d) Tamil
15. ______________ is called as the father of Indian Constitution.
a) B. R. Ambedkar b) Alladi Krishnamurthy c) Rettamalai Srinivasan d) Durga Das Basu
16. The number of heart beats per minute of an average adult at rest is:
a) 60 b) 72 c) 90 d) 120
17. Wall Street, which is associated with stock market, is located in:
a) Mumbai b) Kolkata c) London d) New York
18. Section 307 of the Indian Penal Code deals with
a) Murder b) Rape c) Attempt to murder d) Theft
19. “Booker Prize” is given in the field of
a) Medicine b) Fiction Writing c) Adventure d) Sciences
20. Who among the following is the author of the book “9/11”?
a) Paul Thompson b) Don Delillo c) Noam Chomsky d) David Ray Griffin
21. Which among the following instrument used to measure the magnitude of earthquakes?
a) Scalar scale b) Mercallie scale c) Richter scale d) None of these
22. Which of the following is the India’s highest civilian award?
a) Padma Bushan b) Padma Sri c) Param Vir chakra d) Bharat Ratna
23. Who among the following is the author of the book “Fury”?
a) M. S. Swaminathan b) Salman Rushdie c) Shashi Tharoor d) A. P. J. Abdul Kalam
24. Who is the chair person of the committee constituted to enquire the IPL scam?
a) Saurav Ganguly b) Mukul Mudgal c) Sunil Gavaskar d) N.Srinivasan
25. Which among the following is the literal expansion of BRICS?
a) Brazil, Russia, India, China, Sri Lanka
b) Brazil, Rumania, Indonesia, China, South Africa
c) Brazil, Russia, India, China, South Africa
d) None of the above
26. Which among the following is the renewable energy?
a) Petroleum b) Coal c) Nuclear power d) Solar power
27. Who among the following has won the French Open title 2014?
a) Novak Djokovic b) Rafael Nadal c) Roger Federer d) Rohan Bopanna
28. Which of the following games is not included in Olympic Games?
a) Foot ball b)Golf c) Badminton d) Hockey
29. Which of the following awards is given only to individuals and organizations of Asian countries for excellence in their respective fields?
a) Booker prize b) Nobel prize c) Oscar awards d) Ramon Magsaysay award
30. Who from amongst the following is the founder of “facebook”?
a) Steve Jobs b) Steve James c) Mark Zuckerberg d) Bill Gates
31. In which of the following states was the Nalanda University located in India?
a) Bengal b) Bihar c) Odisha d) Uttar Pradesh
32. Which is the top gold producing country in the world?
a) Saudi Arabia b) China c) India d) Africa
33. The Ajanta caves were built during the period of
a) Guptas b) Kushanas c) Mauryas d) Chalukyas
34. Proteins are digested by
a) Proteases b) Amylases c) Lipases d) Nucleases
35. Jaundice is a disease which affects
a) Heart b) Liver c) Spleen d) Gall Bladder
36. Which among the following instrument is used for measuring wind speed?
a) Anemometer b) Hygrometer c) Galvanometer d) Spectrometer
37. Jerusalem is a holy city of
a) The Jews b) The Muslims c) The Christians d) All of these
38. The Indian National Congress was founded by
a) Surendranath Banerjee b) A.O. Hume c) Annie Besant d) Motilal Nehru
39. Which is the first Railway Station of South India?
a) Royapuram Railway Station b) Kottayam Railway Station c) Warangal Railway Station d) Bangalore Railway Station
40. Which among the following is a river port?
a) Mumbai b) Kolkatta c) Visakhapatnam d) Cochin
41. The speaker of Lok Sabha is appointed by
a) The President
b) The members of the two Houses
c) The members of the Lok Sabha through election
d) The President on the recommendation of the Prime Minister
42. Killing of new born babies is known as
a) Foeticide b) Genocide c) Infanticide d) Homicide
43. Sardar Vallabai Patel National Police Academy is situated at
a) Delhi b) Hyderabad c) Chennai d) Mumbai
44. “Boko Haram” movement refers to ________________________
a) Forbid female education b) Forbid female feoticide c) Forbid western education d) Forbid female infanticide
45. Which of the following units measure the memory of the computers?
a) Volts b) Amperes c) Ohms d) Bytes
46. Which among the following is India’s first indigenous air craft carrier?
a) INS Vikramadithya b) INS Sindurakshak c) INS Vikrant d) INS Arihant
47. In the electric bulb, the gas used is:
a) Nitrogen gas b) Oxygen gas c) Hydrogen gas d) Inert gas
48. Every device on the Internet has a unique ______ address (also called an “Internet address”) that identifies it in the same way that a street address identifies the location of a house.
a) DH b) IA c) DA d) IP
49. Which among the following countries has given a grant of US $ 1 billion for the reconstruction of the Nalanda University?
a) Japan b) USA c) UK d) China
50. Liquid hydrogen + liquid oxygen is the fuel used in:
a) Submarines b) Air planes c) Cargo ships d) Rockets
SECTION – B 30 x 1 = 30
Directions (Qs. 51 to 55): In the following questions choose the alternative which best expresses the
meaning of the given word.
51. Prognosis
a) Scheme b) Forecast c) Preface d) Identification
52. Allure
a) Extol b) Excite c) Entice d) Elicit
53. Condone
a) Forgive b) Support c) Forget d) Defend
54. Sporadic
a) Epidemic b) Whirling c) Occasional d) Stagnant
55. Analogy
a) Difference b) Comparison c) Addition d) Deletion
Directions (Qs. 56 to 60): Choose the verb form of the noun.
56. Success
a) Successful b) Succeed c) Successfully d) Succeeding
57. Thought
a) Think b) Thoughtfully c) Thinking d) Thoughtful
58. Enthusiasm
a) Enthusiastic b) Enthusiastically c) Enthusiast d) Enthuse
59. Failure
a) Fail b) Failing c) Failingly d) Failures
60. Practice
a) Practical b) Practically c) Practise d) Practising
Directions (Qs. 61 to 65): Choose the word which is opposite in meaning to the given word
61. Enigmatic
a) Displeased b) Puzzling c) Learned d) Short-sighted
62. Virile
a) Athletic b) Pompous c) Manly d) Bastful
63. Pragmatic
a) Indefinite b) Vague c) Optimistic d) Idealistic
64. Fabricate
a) Unearth b) Construct c) Demolish d) Renovate
65. Hypothesis
a) Theory b) Fact c) Conclusive d) Suppressed
Directions (Qs. 66 to 70): Read the following passage carefully and answer the questions given below. Certain words have been printed in bold to help you locate them while answering some of the questions.
Financial inclusion (FI) is an emerging priority for banks that have nowhere else to go to achieve business growth. The viability of FI business is under question, because while banks and their delivery partners continue to make investments, they haven’t seen commensurate returns. In markets like India, most programs are focused on customer on-boarding, an expensive process which people often find difficult to afford, involving insurance of smart cards to the customers. However, large scale customer acquisition hasn’t translated into large scale business, with many accounts lying dormant and therefore yielding no return on the bank’s investment. For the same reason, business correspondent agents who constitute the primary channel for financial inclusion are unable to pursue their activity as a fulltime job.
One major reason for this state of events is that the customer on-boarding process is often delayed after the submission of documents (required to validate the details of the concerned applicant) by the
applicant and might take as long as two weeks. By this time the initial enthusiasm of applicants fades
away. Moreover, the delivery partners don’t have the knowledge and skill to propose anything other
than the most basic financial products to the customer and hence do not serve their banks’ goal of
expanding the offering in unbanked markets.
Contemporary to popular perception, the inclusion segment is not a singular impoverished, undifferentiated mass and it is important to navigate its diversity to identify the right target customers
for various programs. Rural markets do have their share of rich people who do not use banking services simply because they are inconvenient to access or have low perceived value. At the same time, urban markets, despite a high branch density, have multitude of low wage earners outside the financial net.
Moreover the branch timings of banks rarely coincide with the off-work hours of the labor class.
Creating affordability is crucial in tapping the unbanked market. No doubt pricing is a tool, but banks
also need to be innovative in right-sizing their proposition to convince customers that they can derive
big value even from small amounts. One way of doing this is to show the target audience that a bank
account is actually a lifestyle enabler, a convenient and safe means to send money to family or make a variety of purchases. Once banks succeed in hooking customers with this value proposition they must sustain their interest by introducing a simple and intuitive user application, ubiquitous access over mobile and other touch points and adopting a banking mechanism which is not only secure but also reassuring to the customer. Technology is the most important element of financial inclusion strategy and an enabler of all others. The choice of technology is therefore a crucial decision, which could make or mark the agenda. Of the various selection criteria, cost is perhaps the most important. This certainly does not mean buying the cheapest package, but rather choosing that solution which by scaling transactions to huge volumes reduces per unit operating cost. An optimal mix of these strategies would no doubt offer an innovative means of expansion in the unbanked market.
66. Which of the following facts is true as per the passage?
a) People from rural areas have high perceived value of banking services.
b) Cost is not a valid criterion for technological package selection for financial inclusion initiatives.
c) The inclusion segment is a singular impoverished, undifferentiated mass.
d) The branch timings of banks generally do not coincide with the off-work hours of the labor class in urban markets.
e) All the given statements are true.
67. According to the passage, for which of the following reasons do the delivery partners fail to serve
their bank’s goal to expand in the unbanked markets?
1. They do not have adequate client base to sell their financial products
2. They do not have adequate knowledge and skills to explain anything beyond basic financial products to the customers.
3. They do not have the skills to operate advanced technological aids that are a prerequisite to tap the unbanked market.
a) Only (2) b) Only (3) c) All (1), (2) & (3) d) Only (1) e) Both (2) & (3)
68. According to the passage, for which of the following reasons is the viability of financial inclusion
under question?
a) The banks always prefer the cheapest package (to cut cost) while making a choice of technology to be used.
b) The Business Correspondent Agents are highly de-motivated to pursue their activity as a fulltime job.
c) The investments made by banks and its delivery partners are not yielding equal amount of returns.
d) The banks do not have adequate number of delivery partners require to tap the unbanked market.
e) The banks do not have adequate manpower to explore the diversity of the unbanked market and thereby identify the right target customers for various programs.
69. In the passage, the author has specified which of the following characteristics of the customer onboarding process?
a) It involves collection of documents from the applicants in order to validate their details.
b) It involves issuance of smart cards to the customers.
c) It suffers from latency as it takes a long time after submission of documents by the customer.
d) It is an expensive process which people find difficult to afford.
e) All of the given characteristics have been specified.
70. What did the author try to highlight in the passage?
1. The ailing condition of financial inclusion business at present.
2. Strategies that may help bank to expand in the unbanked market.
3. Role of government in modifying the existing financial inclusion policies.
a) Both (1) & (2) b) All (1), (2) & (3) c) Only (3) d) Only (1) e) Only (2)
Directions (Qs. 71 to 75): Which of the phrases (a), (b), (c) and (d) given below each sentence should replace the word/phrase printed in bold in the sentence to make it grammatically correct? If the sentence is correct as it is given and no correction is required, mark (e) as the answer.
71. The poor Brahmin led a hand to mouthful existence and could use any job which paid him a little.
a. handful to mouthful existence
b. hand to mouth existence
c. handing for mouthful existing
d. hand and mouth exist
e. No correction required
72. In order to earning decent living we need to have a good job which pays a substantial amount of
money.
a. earned decency life
b. earning decency live
c. earn a decent living
d. earned decently life
e. No correction required
73. We went to the famous restaurant to eat and were served piped hot food.
a. served piping hotter
b. serving pipe hot
c. served piping hot
d. serve pipe hotten
e. No correction required
74. Akshay considered Suresh a complete pain in the neck as he kept asking baseless questions.
a. paining in the neck
b. painless neck
c. painful necks
d. pain in necking
e. No correction required
75. I jump through hoop to finish this project in time but was not rewarded adequately.
a. jumped through hoops
b. jumping for hooping
c. jumped on hoop
d. jumping from hoop
e. No correction required
Directions (Qs. 76 to 80): Read the passage given below carefully and then answer these questions
according to the contents of the passage:
Patriotism is a very complex feeling, built up out of primitive instincts and highly intellectual convictions. There is love of home and family and friends, making us peculiarly anxious to preserve our own country from invasion. There is the mild instinctive liking for compatriots as against foreigners. There is pride, which is bound up with the success of the community to which we feel that we belong. There is a belief, suggested by pride but reinforced by history, that one’s own nation represents a great tradition and stands for ideals that are important to the human race. But besides all these, there is another element, at once nobler and more open to attack, an element of worship, of willing sacrifice, of joyful merging of the individual life in the life of the nation. This religious element in patriotism is essential to the strength of the State, since it enlists the best that is in most men on the side of national sacrifice.
76. A suitable title for the passage could be
a. Elements of patriotism
b. Historical developments of nation
c. The role of religion and history in patriotism
d. Religion and patriotism
77. Describing the element of worship “Open to attack”, the author implies that it
a. Is unnecessary
b. Leads to national sacrifice
c. Has no historical basis
d. Cannot be justified on rational grounds
78. The tone of the passage can best be described as
a. Critical
b. Descriptive
c. Persuasive
d. Analytical
79. Which of the following can clearly be grouped under “intellectual convictions” the author mentions in the opening sentence?
a. Love of family
b. Love of compatriots
c. The element of worship
d. None of the above
80. Which one of the following statement is false?
a. We tend to like our own countrymen better than we like foreigners
b. Nations always stand for ideals that are important to the human race
c. It is the religious element in patriotism that motivates us for sacrificing ourselves for our nation
d. Our pride of the community is bound with the community’s success
e. If the community is bound with the community’s success
UNIVERSITY OF MADRAS
SCHOOL OF SOCIAL SCIENCES
DEPARTMENT OF CRIMINOLOGY
ENTRANCE EXAMINATION – MODEL QUESTION PAPER
Max marks: 80
___________________________________________
Instructions1. Answer all the questions
2. Use the ANSWER SHEET to answer the questions and do not mark in the question booklet
3. Options ‘a’, ‘b’, ‘c’, ‘d’ or ‘e’ are to be marked with blue/black ball point pen in the answer/coding sheet.
SECTION –A 50 x 1 = 50
Choose the correct answer from the options given below for each question.
1. What are the official languages of the UNO?
a) English, French and Russian
b) English, French, German and Russian
c) English, French, Russian, Chinese and Hindi
d) English, French, Chinese, Russian, Arabic and Spanish
2. The book “The idea of justice” is written by
a) Hamid Ansari b) A P J Abdul Kalam c) Amartya Sen d) Shasi Tharoor
3. Which of the following is a child helpline number?
a) 1088 b) 1089 c) 1098 d) 1009
4. _____________ is the chief justice of India.
a) P.Sathasivam b) K.G.Balakrishnan c) R.M. Lodha d) A.K.Ganguly
5. 2010 FIFA world cup was hosted by:
a) Brazil b) South Africa c) Germany d) Spain
6. The Fourth Estate refers to:
a) Public opinion b) Political Parties c) Press d) Chamber of Commerce
7. ____________ is the chairperson of the NHRC.
a) P. Sathasivam b) K.G. Balakrishnan c) A.S. Anand d) R.M. Lodha
8. Who is the director of the CBI?
a) Ranjit Sinha b) Raghavan c) Karthikeyan d) Ramakrishnan
9. On which date is the Human Rights Day observed every year?
a) 10th January b) 10th December c) 10th September d) 10th February
10. Entomology is the study of
a) Human beings b) Insects c) Formation of rocks d) Birds
11. Which of the following is not associated with UNO?
a) ILO b) WHO c) ASEAN d) All the above
12. Ecology is the study of
a) Birds b) Self formation c) Relation between organisms and environment d) Tissues
13. India hosted the Asian Games for the first time in the year
a) 1951 b) 1982 c) 1968 d) 1974
14. Next to Hindi, the language spoken by the largest number of people in the Indian sub-continent is:
a) Urdu b) Telugu c) Bangla d) Tamil
15. ______________ is called as the father of Indian Constitution.
a) B. R. Ambedkar b) Alladi Krishnamurthy c) Rettamalai Srinivasan d) Durga Das Basu
16. The number of heart beats per minute of an average adult at rest is:
a) 60 b) 72 c) 90 d) 120
17. Wall Street, which is associated with stock market, is located in:
a) Mumbai b) Kolkata c) London d) New York
18. Section 307 of the Indian Penal Code deals with
a) Murder b) Rape c) Attempt to murder d) Theft
19. “Booker Prize” is given in the field of
a) Medicine b) Fiction Writing c) Adventure d) Sciences
20. Who among the following is the author of the book “9/11”?
a) Paul Thompson b) Don Delillo c) Noam Chomsky d) David Ray Griffin
21. Which among the following instrument used to measure the magnitude of earthquakes?
a) Scalar scale b) Mercallie scale c) Richter scale d) None of these
22. Which of the following is the India’s highest civilian award?
a) Padma Bushan b) Padma Sri c) Param Vir chakra d) Bharat Ratna
23. Who among the following is the author of the book “Fury”?
a) M. S. Swaminathan b) Salman Rushdie c) Shashi Tharoor d) A. P. J. Abdul Kalam
24. Who is the chair person of the committee constituted to enquire the IPL scam?
a) Saurav Ganguly b) Mukul Mudgal c) Sunil Gavaskar d) N.Srinivasan
25. Which among the following is the literal expansion of BRICS?
a) Brazil, Russia, India, China, Sri Lanka
b) Brazil, Rumania, Indonesia, China, South Africa
c) Brazil, Russia, India, China, South Africa
d) None of the above
26. Which among the following is the renewable energy?
a) Petroleum b) Coal c) Nuclear power d) Solar power
27. Who among the following has won the French Open title 2014?
a) Novak Djokovic b) Rafael Nadal c) Roger Federer d) Rohan Bopanna
28. Which of the following games is not included in Olympic Games?
a) Foot ball b)Golf c) Badminton d) Hockey
29. Which of the following awards is given only to individuals and organizations of Asian countries for excellence in their respective fields?
a) Booker prize b) Nobel prize c) Oscar awards d) Ramon Magsaysay award
30. Who from amongst the following is the founder of “facebook”?
a) Steve Jobs b) Steve James c) Mark Zuckerberg d) Bill Gates
31. In which of the following states was the Nalanda University located in India?
a) Bengal b) Bihar c) Odisha d) Uttar Pradesh
32. Which is the top gold producing country in the world?
a) Saudi Arabia b) China c) India d) Africa
33. The Ajanta caves were built during the period of
a) Guptas b) Kushanas c) Mauryas d) Chalukyas
34. Proteins are digested by
a) Proteases b) Amylases c) Lipases d) Nucleases
35. Jaundice is a disease which affects
a) Heart b) Liver c) Spleen d) Gall Bladder
36. Which among the following instrument is used for measuring wind speed?
a) Anemometer b) Hygrometer c) Galvanometer d) Spectrometer
37. Jerusalem is a holy city of
a) The Jews b) The Muslims c) The Christians d) All of these
38. The Indian National Congress was founded by
a) Surendranath Banerjee b) A.O. Hume c) Annie Besant d) Motilal Nehru
39. Which is the first Railway Station of South India?
a) Royapuram Railway Station b) Kottayam Railway Station c) Warangal Railway Station d) Bangalore Railway Station
40. Which among the following is a river port?
a) Mumbai b) Kolkatta c) Visakhapatnam d) Cochin
41. The speaker of Lok Sabha is appointed by
a) The President
b) The members of the two Houses
c) The members of the Lok Sabha through election
d) The President on the recommendation of the Prime Minister
42. Killing of new born babies is known as
a) Foeticide b) Genocide c) Infanticide d) Homicide
43. Sardar Vallabai Patel National Police Academy is situated at
a) Delhi b) Hyderabad c) Chennai d) Mumbai
44. “Boko Haram” movement refers to ________________________
a) Forbid female education b) Forbid female feoticide c) Forbid western education d) Forbid female infanticide
45. Which of the following units measure the memory of the computers?
a) Volts b) Amperes c) Ohms d) Bytes
46. Which among the following is India’s first indigenous air craft carrier?
a) INS Vikramadithya b) INS Sindurakshak c) INS Vikrant d) INS Arihant
47. In the electric bulb, the gas used is:
a) Nitrogen gas b) Oxygen gas c) Hydrogen gas d) Inert gas
48. Every device on the Internet has a unique ______ address (also called an “Internet address”) that identifies it in the same way that a street address identifies the location of a house.
a) DH b) IA c) DA d) IP
49. Which among the following countries has given a grant of US $ 1 billion for the reconstruction of the Nalanda University?
a) Japan b) USA c) UK d) China
50. Liquid hydrogen + liquid oxygen is the fuel used in:
a) Submarines b) Air planes c) Cargo ships d) Rockets
SECTION – B 30 x 1 = 30
Directions (Qs. 51 to 55): In the following questions choose the alternative which best expresses the
meaning of the given word.
51. Prognosis
a) Scheme b) Forecast c) Preface d) Identification
52. Allure
a) Extol b) Excite c) Entice d) Elicit
53. Condone
a) Forgive b) Support c) Forget d) Defend
54. Sporadic
a) Epidemic b) Whirling c) Occasional d) Stagnant
55. Analogy
a) Difference b) Comparison c) Addition d) Deletion
Directions (Qs. 56 to 60): Choose the verb form of the noun.
56. Success
a) Successful b) Succeed c) Successfully d) Succeeding
57. Thought
a) Think b) Thoughtfully c) Thinking d) Thoughtful
58. Enthusiasm
a) Enthusiastic b) Enthusiastically c) Enthusiast d) Enthuse
59. Failure
a) Fail b) Failing c) Failingly d) Failures
60. Practice
a) Practical b) Practically c) Practise d) Practising
Directions (Qs. 61 to 65): Choose the word which is opposite in meaning to the given word
61. Enigmatic
a) Displeased b) Puzzling c) Learned d) Short-sighted
62. Virile
a) Athletic b) Pompous c) Manly d) Bastful
63. Pragmatic
a) Indefinite b) Vague c) Optimistic d) Idealistic
64. Fabricate
a) Unearth b) Construct c) Demolish d) Renovate
65. Hypothesis
a) Theory b) Fact c) Conclusive d) Suppressed
Directions (Qs. 66 to 70): Read the following passage carefully and answer the questions given below. Certain words have been printed in bold to help you locate them while answering some of the questions.
Financial inclusion (FI) is an emerging priority for banks that have nowhere else to go to achieve business growth. The viability of FI business is under question, because while banks and their delivery partners continue to make investments, they haven’t seen commensurate returns. In markets like India, most programs are focused on customer on-boarding, an expensive process which people often find difficult to afford, involving insurance of smart cards to the customers. However, large scale customer acquisition hasn’t translated into large scale business, with many accounts lying dormant and therefore yielding no return on the bank’s investment. For the same reason, business correspondent agents who constitute the primary channel for financial inclusion are unable to pursue their activity as a fulltime job.
One major reason for this state of events is that the customer on-boarding process is often delayed after the submission of documents (required to validate the details of the concerned applicant) by the
applicant and might take as long as two weeks. By this time the initial enthusiasm of applicants fades
away. Moreover, the delivery partners don’t have the knowledge and skill to propose anything other
than the most basic financial products to the customer and hence do not serve their banks’ goal of
expanding the offering in unbanked markets.
Contemporary to popular perception, the inclusion segment is not a singular impoverished, undifferentiated mass and it is important to navigate its diversity to identify the right target customers
for various programs. Rural markets do have their share of rich people who do not use banking services simply because they are inconvenient to access or have low perceived value. At the same time, urban markets, despite a high branch density, have multitude of low wage earners outside the financial net.
Moreover the branch timings of banks rarely coincide with the off-work hours of the labor class.
Creating affordability is crucial in tapping the unbanked market. No doubt pricing is a tool, but banks
also need to be innovative in right-sizing their proposition to convince customers that they can derive
big value even from small amounts. One way of doing this is to show the target audience that a bank
account is actually a lifestyle enabler, a convenient and safe means to send money to family or make a variety of purchases. Once banks succeed in hooking customers with this value proposition they must sustain their interest by introducing a simple and intuitive user application, ubiquitous access over mobile and other touch points and adopting a banking mechanism which is not only secure but also reassuring to the customer. Technology is the most important element of financial inclusion strategy and an enabler of all others. The choice of technology is therefore a crucial decision, which could make or mark the agenda. Of the various selection criteria, cost is perhaps the most important. This certainly does not mean buying the cheapest package, but rather choosing that solution which by scaling transactions to huge volumes reduces per unit operating cost. An optimal mix of these strategies would no doubt offer an innovative means of expansion in the unbanked market.
66. Which of the following facts is true as per the passage?
a) People from rural areas have high perceived value of banking services.
b) Cost is not a valid criterion for technological package selection for financial inclusion initiatives.
c) The inclusion segment is a singular impoverished, undifferentiated mass.
d) The branch timings of banks generally do not coincide with the off-work hours of the labor class in urban markets.
e) All the given statements are true.
67. According to the passage, for which of the following reasons do the delivery partners fail to serve
their bank’s goal to expand in the unbanked markets?
1. They do not have adequate client base to sell their financial products
2. They do not have adequate knowledge and skills to explain anything beyond basic financial products to the customers.
3. They do not have the skills to operate advanced technological aids that are a prerequisite to tap the unbanked market.
a) Only (2) b) Only (3) c) All (1), (2) & (3) d) Only (1) e) Both (2) & (3)
68. According to the passage, for which of the following reasons is the viability of financial inclusion
under question?
a) The banks always prefer the cheapest package (to cut cost) while making a choice of technology to be used.
b) The Business Correspondent Agents are highly de-motivated to pursue their activity as a fulltime job.
c) The investments made by banks and its delivery partners are not yielding equal amount of returns.
d) The banks do not have adequate number of delivery partners require to tap the unbanked market.
e) The banks do not have adequate manpower to explore the diversity of the unbanked market and thereby identify the right target customers for various programs.
69. In the passage, the author has specified which of the following characteristics of the customer onboarding process?
a) It involves collection of documents from the applicants in order to validate their details.
b) It involves issuance of smart cards to the customers.
c) It suffers from latency as it takes a long time after submission of documents by the customer.
d) It is an expensive process which people find difficult to afford.
e) All of the given characteristics have been specified.
70. What did the author try to highlight in the passage?
1. The ailing condition of financial inclusion business at present.
2. Strategies that may help bank to expand in the unbanked market.
3. Role of government in modifying the existing financial inclusion policies.
a) Both (1) & (2) b) All (1), (2) & (3) c) Only (3) d) Only (1) e) Only (2)
Directions (Qs. 71 to 75): Which of the phrases (a), (b), (c) and (d) given below each sentence should replace the word/phrase printed in bold in the sentence to make it grammatically correct? If the sentence is correct as it is given and no correction is required, mark (e) as the answer.
71. The poor Brahmin led a hand to mouthful existence and could use any job which paid him a little.
a. handful to mouthful existence
b. hand to mouth existence
c. handing for mouthful existing
d. hand and mouth exist
e. No correction required
72. In order to earning decent living we need to have a good job which pays a substantial amount of
money.
a. earned decency life
b. earning decency live
c. earn a decent living
d. earned decently life
e. No correction required
73. We went to the famous restaurant to eat and were served piped hot food.
a. served piping hotter
b. serving pipe hot
c. served piping hot
d. serve pipe hotten
e. No correction required
74. Akshay considered Suresh a complete pain in the neck as he kept asking baseless questions.
a. paining in the neck
b. painless neck
c. painful necks
d. pain in necking
e. No correction required
75. I jump through hoop to finish this project in time but was not rewarded adequately.
a. jumped through hoops
b. jumping for hooping
c. jumped on hoop
d. jumping from hoop
e. No correction required
Directions (Qs. 76 to 80): Read the passage given below carefully and then answer these questions
according to the contents of the passage:
Patriotism is a very complex feeling, built up out of primitive instincts and highly intellectual convictions. There is love of home and family and friends, making us peculiarly anxious to preserve our own country from invasion. There is the mild instinctive liking for compatriots as against foreigners. There is pride, which is bound up with the success of the community to which we feel that we belong. There is a belief, suggested by pride but reinforced by history, that one’s own nation represents a great tradition and stands for ideals that are important to the human race. But besides all these, there is another element, at once nobler and more open to attack, an element of worship, of willing sacrifice, of joyful merging of the individual life in the life of the nation. This religious element in patriotism is essential to the strength of the State, since it enlists the best that is in most men on the side of national sacrifice.
76. A suitable title for the passage could be
a. Elements of patriotism
b. Historical developments of nation
c. The role of religion and history in patriotism
d. Religion and patriotism
77. Describing the element of worship “Open to attack”, the author implies that it
a. Is unnecessary
b. Leads to national sacrifice
c. Has no historical basis
d. Cannot be justified on rational grounds
78. The tone of the passage can best be described as
a. Critical
b. Descriptive
c. Persuasive
d. Analytical
79. Which of the following can clearly be grouped under “intellectual convictions” the author mentions in the opening sentence?
a. Love of family
b. Love of compatriots
c. The element of worship
d. None of the above
80. Which one of the following statement is false?
a. We tend to like our own countrymen better than we like foreigners
b. Nations always stand for ideals that are important to the human race
c. It is the religious element in patriotism that motivates us for sacrificing ourselves for our nation
d. Our pride of the community is bound with the community’s success
e. If the community is bound with the community’s success
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