English Language Practice Questions | IBPS 2017

Mentor for Bank Exams
English Language Practice Questions | IBPS 2017
Dear Aspirants,
Welcome to Mentor for Bank Exams English Language Quiz Section. The following quiz covers Reading Comprehension (10 Questions), Cloze Test (10 Questions), Sentence fillers (5 Questions). All the best for upcoming IBPS Exams 2017.
Directions (1 – 10): Read the passage given below and then answer the questions given below the passage. Some words may be highlighted for your attention. Pay careful attention.
The International Monetary Fund (IMF) cut India's growth rate for the current fiscal year to 6.6% from its previous estimate of 7.6% due to the "temporary negative consumption shock" of demonetisation, days after the World Bank also decelerated India's growth estimates."In India, the growth forecast for the current (2016-17) and next fiscal year were trimmed by one percentage point and 0.4% point, respectively, primarily due to the temporary negative consumption shock induced by cash shortages and payment disruptions associated with the recent currency note withdrawal and exchange initiative," the IMF said in its latest World Economic Outlook (WEO) update released yesterday. India on November 8, 2016 cancelled the legal tender of Rs 500 and Rs 1,000 notes, invalidating in one stroke over 86 per cent of the cash in circulation. The shortage of currency has according to anecdotal evidencecaused a slump in demand and widespread job losses, though official data released so far shows economy has done better than feared. Industrial production was up 5.7 per cent in November 2016, exports touched their highest since March 2015 in December 2016 and tax collections have been robust.The IMF said that after a lacklustre outturn in 2016, economic activity is projected to pick up the pace in 2017 and 2018, especially in emerging market and developing economies. The global growth for 2016 is now estimated at 3.1%, in line with the October 2016 forecast.Economic activity in both advanced economies and emerging market and developing economies (EMDEs) is forecast to accelerate in 2017-18, with global growth projected to be 3.4% and 3.6%, respectively, again unchanged from the October forecasts, it said. As per new IMF projections, India's growth in 2016 is now estimated to be 6.6% as against 7.6% earlier forecast. In 2017, IMF has projected a growth rate of 7.2% as against its previous forecast of 7.6%. The Indian economy is likely to revive to go back to its previously estimated growth rate of 7.7% in 2018, according to the WEO update.The cut in India's growth rates comes days after the World Bank decelerated India's GDP growth for 2016-17 fiscal to 7% from its previous estimate of 7.6% citing the impact of demonetisation. But forecast issued on January 11 said that India would regain momentum in the following years with a growth of 7.6% and 7.8% due to reform initiatives.  Despite IMF's downward revision of India's growth rate and a slight upward revision of China's growth projections, India continues to be the fastest growing countries among emerging economies.But in 2016, China with 6.7% has edged past India (6.6) with 0.1 percentage point. The growth forecast for 2017 was revised up for China (to 6.5%, 0.3 percentage point above the October forecast) on expectations of continued policy support, the IMF said. India's growth rate in 2017 as per the latest IMF projections is 7.2 per cent. In 2018, China's growth rate is projected to be 6% against India's 7.7%. IMF said, in China, continued reliance on policy stimulus measures, with a rapid expansion of credit and slow progress in addressing corporate debt, especially in hardening the budget constraints of state-owned enterprises, raises the risk of a sharper slowdown or a disruptive adjustment. These risks can beexacerbated by capital outflow pressures especially in a more unsettled external environment, the IMF said. IMF said global activity could accelerate more strongly if policy stimulus turns out to be larger than currently projected in the US or China. Notable negative risks to activity include a possible shift toward inward-looking policy platforms and protectionism, a sharper than expected to tighten in global financial conditions that could interact with balance sheet weaknesses in parts of the euro area and in some emerging market economies, increased geopolitical tensions, and a more severe slowdown in China, it said.Maurice Obstfeld, Economic Counsellor and IMF Research Department Director, at a news conference here, said among emerging economies, China remains a major driver of world economic developments. "Our China growth upgrade for 2017 is a key factor underpinning the coming year's expected faster global recovery. This change reflects an expectation of continuing policy support; but a sharp or disruptive slowdown in the future remains a risk given continuing rapid credit expansion, impaired corporate debts, and persistent government support for inefficient state-owned firms," he said.In light of the US economy's momentum coming into 2017 and the likely shift in policy mix, IMF has moderately raised its two-year projections for US growth. A fiscal stimulus for the US economy is expected under the new Donald Trump administration. This forecast also incorporates firmer oil prices following the agreement among OPEC members and several other major producers to limit supply."At this early stage, however, the specifics of future fiscal legislation remain unclear, as do the degree of net increase in government spending and the resulting impacts on aggregate demand, potential output, the Federal deficit, and the dollar," Obstfeld said.
1. What is the expected effect of Donald Trump coming to power in the US?
a) Simulated administration.
b) A spur in the government revenue policy.
c) A depressed economical growth.
d) US economy's momentum getting lighter.
e) A growth war with China.
2. Why has there been a slump in demand and widespread job losses?
a) The fall in projected growth by IMF
b) Evidence says so
c) Demonetisation
d) There has been no such slump
e) Low tax collection
3. Why has the IMF cut down India's projected growth rate?
a) Demonetisation
b) Negative consumption
c) Low GDP growth
d) World Bank has also decelerated India's growth estimates
e) Fall in consumption demand due to demonetisation
4. What has been the impact of currency shortage on tax collections?
a) They have remained more or less the same.
b) There have been tax robberies.
c) A sharp dip in tax revenue has accompanied.
d) It has been going strong despite demonetisation.
e) It's been difficult to estimate the impact.
5. Why is the predicted growth rate for China in 2018 so low?
a) India's growth is expected to eclipse that of China's.
b) Dangerous inward- looking fiscal policy measure of China.
c) Geopolitical Tensions.
d) China is key to world economy's global recovery.
e) Competition with the US as well as hostility with India will cost China.
6. What does the forecast say in relation to OPEC members?
a) Hoarding of Oil and related commodities.
b) Cheaper Oil will be available to other countries.
c) An agreement might be signed to limit supply.
d) Other countries will have to shell out more to procure oil due to stiff competition.
e) No forecast regarding OPEC.
7. Why is India expected to regain a higher growth rate in the coming years?
a) Demonetisation will be scrapped
b) Because of reform Initiatives
c) China will experience a severe slowdown and India will profit from it.
d) India is the fastest emerging economy
e) A lacklustre performance in 2016 will inspire India.
8. Which of the following is closest in meaning to the word “stimulus” as given in the passage?
a) Incentive
b) Stem
c) Reaction
d) Action
e) Growth
9. Which of the following is most opposite in meaning to the word “exacerbate” as given in the passage?
a) Inveterate
b) Placate
c) Worsen
d) Appease
e) Mitigate
10. Which of the following comes closest in meaning to the phrase “anecdotal evidence” as given in the passage?
a) Unreliable and not necessarily true
b) Pertaining to history
c) As per survey reports
d) Fable
e) Official record
Directions (11 – 20): In the passage given below there are 10 blanks, each followed by a word given in bold. Each blank has four alternative words given in options (A),(B),(C) and (D). You have to tell which word will best suit the respective blank. Mark (E) as your answer if the word given in bold after the blank is your answer i.e “No change required”.
The increasing cost of higher education in the United States has been a --(1)---(contrast) topic for debate in recent decades. American society ---(2)---(denigrate) the importance of education after high school, yet the cost of undergraduate and advanced degrees continually rises at a greater rate than ---(3)----(inflammation).
According to the Advisory Committee on Student Financial Assistance, cost factors prevent 48% of college-qualified high school graduates from ---(4)----(pursuing) further education (McKeon, 2004, p. 45). The current system requires the majority of students to ----(5)----(dissipate) extensive debt with the expectation that they gain ----(6)----(unprofitable) post-graduate employment to repay their loans.
The cost of higher education raises several ---(7)----(ethical) issues. Among these are the perpetuation of the cycle of debt in American commercial society, the ---(8)----(hypothetical) of differing higher education institutions and cost, and the resulting socioeconomic and racial inequities in college demographics. Both an examination of the current trends and figures and a closer look at a real life example show the troublesome state of higher education and its ---(9)---(affect) on our commercial society.
Research indicates a steep upward trend in the cost of higher education throughout the 20th century. In recent decades, America has witnessed a widening gap between inflation and tuition. An incoming freshman at a typical college ---(10)---(infer) charges for tuition, university fees, books, room and board, and other miscellaneous items.
11. (a)contempt (b)constant (c)continuing (d)contrite (e) No change required
12. (a)immaculate (b)immune (c)inimical (d)emphasizes (e) No change required
13. (a)inflation (b)inference (c)innocuous (d)incongruous (e) No change required
14. (a)prefer (b)perpetual (c)perfunctory (d)predilection (e) No change required
15. (a)accrue (b)accumulate (c)acrimonious (d)accredited (e) No change required
16. (a)lascivious (b)luscious (c)lucrative (d)capricious (e) No change required
17. (a)amoral (b)ethereal (c)exquisite (d)immoral (e) No change required
18. (a)hierarchy (b)dichotomy (c)trichotomy (d)transgression (e) No change required
19. (a)arcane (b)affirmative (c)effective (d)effect (e) No change required
20. (a)insure (b)incurs (c)insist (d)inflate (e) No change required
Directions (21 – 25): In each of the following questions, a short passage is given with one of the lines in the passage missing and represented by a blank. Select the best of the five answer choices given to make the passage complete and coherent.
21. _______________. But the number of insured people is only around 20% which is very less compared to other countries. There could be many reasons for this shortfall such as lack of awareness or the inability of companies to reach the masses. But the government of India on its part has taken many steps to increase insurance penetration.
a) India with a population of over 1 billion is the 2nd most populous country in the world.
b) The government has brought many reforms in the insurance sector, the above steps have helped more people to take up insurance policies.
c) In the coming years, we can be confident of seeing higher growth in insurance penetration among Indians.
d) The biggest step taken by the government in recent years was raising the Foreign Direct Investment (FDI) to 49% from the earlier 26%.
e) The amendment paved way for foreign insurance companies to start operations in India by partnering with existing entities & offer more products suited for Indian public.
22. Capitalism is a great slave, but a pathetic master. This truth unfortunately gets lost in our chase for that elusive dream. Especially in the west, the land that has been marketed as the land of dreams - the great Western dream. It’s the dream of being independent masters of our lives, of making big bucks and of being happy - even if that happiness is being bought by money, which all of them chase out there. ____________.
a) That is what has made the rest of the world mindlessly chase Westernism, not necessarily happiness or an ideal form of society.
b) All because the shop window looks very impressive and it has been marketed very well.
c) Thus, the shop window of Westernism looks lucidly attractive.
d) However, this has been achieved as a result of more than 200 years of unbridled growth and exploitation.
e) No doubt, the West, on its part, has been fairly successful in creating material comforts aplenty.
23. A long-standing perspective on modernity - that a march toward it would lead progressively to lessening of religious and related affiliations – has been discredited over a period of time. ____________. For example, even a product of the information revolution, the Internet, is used to hunt for marriage partners of a given caste. Modern electoral politics is all about utilizing identities that predate this modernity for political gain.
a) We have assumed erroneously that we know what modernity is, thereby confusing its present character with what we wish it to be.
b) Confusing a wish with the reality on the ground might well be called the Great Nehruvian Conceit — we are all part of this.
c) It frequently goes back to the past and incorporates elements from long-forgotten eras into its unfolding present.
d) Modern technologies - such as television - feed growing religious appetites.
e) We have too easily assumed a linear narrative for modernity, even more so if we clearly observe that it consists of bits and pieces from different historical periods, and that it unfolds in a circular rather than linear manner.
24. _______________. The vast majority of those who backed him, those who gave the BJP he led a clear mandate in the 2014 Lok Sabha election, bought his words of hope in to, and believed he could bring in much-needed change and put the country back on a trajectory of growth and development. On the first anniversary, some of the promises remain as proposals and many others appear too remote with little or no chance of coming to fruition in the next four years.
a) As the previous Congress-led government ended its term entwined in scams and scandals, Mr. Modi marketed himself as everything his predecessor Manmohan Singh was not, and sought to represent the varied aspirations of whole classes of people.
b) Having come to power on the strength of mega-promises centered on the prospect of ache din for all, Prime Minister Narendra Modi cannot but feel the weight of popular expectations on his government after an uneventful first year.
c) To the government’s credit, inflation is down.
d) PM Modi wanted to offer much more than a concrete programme of action; he wanted to present a vision of the future, a vision of India taking its place as an economic superpower in the first world.
e) Falling international oil prices might have had a role as also the resoluteness of the Reserve Bank of India in not lowering interest rates, but the government kept a close watch on food prices.
25. We today revel in the idea that we are living in a world of science and science can work wonders for us. It is evident that science has revolutionized modern life. What our forefathers, half a century ago, could not even dream of, we have that on our beck and call. _______________. A button is pressed, the room gets flooded with light; the fan moves, the A.C. Cools or warms the room, water is boiled or cooled even is frozen, eatables can be preserved for days.
a) Artificial limbs can be fitted into the disabled bodies, even kidneys, and hearts are being performed.
b) Means of communication- The fax, The E-mail, The mobile smart phones are really wonderful means given to us by science.
c) Electricity is a wonder and what it is doing would have appeared to be a fairy tale for our forefathers.
d) Human labor has been minimized but that has led to a more luxurious living and lens of physical activity.
e) The worlds is getting exposed to the situations of great alarms and dangers. GMOs are good for some crops and not so for others. Wild varieties cannot be allowed to go extinct.

Answers with Explanations:
1. B) The eighth paragraph reads "A fiscal stimulus for the US economy is expected under the new Donald Trump administration". Fiscal => pertaining to revenue. Stimulus => a thing that arouses activity or energy in someone or something; a spur or incentive. Hence, option (B) is the correct answer.
2. C) The second paragraph states that "India on November 8, 2016 cancelled the legal tender of Rs 500 and Rs 1,000 notes, invalidating in one stroke over 86 per cent of the cash in circulation. The shortage of currency has according to anecdotal evidence caused a slump in demand and widespread job losses". Hence, shortage of currency has been due to demonetisation. Therefore, option (C) is the correct answer.
3. E) The first paragraph states that the reason behind this is the "temporary negative consumption shock" of demonetisation. It hasn't cut it down due to demonetisation, but because of the fall in consumption and demand due to the move. Option (A), is therefore wrong. And so is (B). There isn't negative consumption, there has been a negative effect on consumption. Hence, option (E) is the correct answer.
4. D) According to the passage, as a result of currency shortage, tax collections have been robust. Robust => strong and healthy, vigorous. Hence, Option (D) is the correct answer.
5. B) According to the 6th paragraph "Notable negative risks to activity include a possible shift toward inward-looking policy platforms and protectionism, a sharper than expected to tighten in global financial conditions that could interact with balance sheet weaknesses in parts of the euro area and in some emerging market economies, increased geopolitical tensions, and a more severe slowdown in China, it said."
6. D) According to the last paragraph, "The forecast incorporates firmer oil prices following the agreement among OPEC members and several other major producers to limit supply." 'Firmer', in the given context means stronger or higher. Limited supply and higher prices mean that the other countries would have to pay more to compete and acquire the limited supply of oil. Hence, option (D) is the correct answer. This forecast also incorporates firmer oil prices following the agreement supply. Note: The forecast doesn't predict an agreement, it predicts an increase in price. The agreement has already been reached upon.
7. B) The 5th paragraph leads us straight to the answer: "India would regain momentum in the following years with a growth of 7.6% and 7.8% due to reform initiatives". Hence, option (B) is the correct answer.
8. A) Stimulus => an thing or event that evokes a reaction.Incentive => a thing that motivates or encourages someone to do something. Out of (A) and (D), 'incentive' is more appropriate as it is not merely an action, it specifically is meant to achieve a reaction. Hence, Option (A) is the correct answer.
9. E) Exacerbate => make a problem worse. Inveterate => having a long established habit. Placate => Calm down or soothe. Appease is a synonym of placate. Mitigate => make less severe. Mitigate is the most appropriate answer as it relates to calming down a situation and reducing its gravity as compared to placate or appease, which are in reference to a person. Hence, Option (E) is the correct answer.
10. A) Anecdote is a personal account/ story by a person regarding an incident or thing or a hearsay about something which is unreliable. Hence, option (A) is the correct answer.
11. C) continue (verb), gerund or present participle: continuing
Meaning: persist in an activity or process. In the given blank, we need a verb form
(present perfect continuous tense) that express the idea of continuity. hence, 'continuing' is correct word choice.
12. D) "American society "emphasizes" the importance of education after high school".
emphasizes is correct word choice in the given context.
denigrate (verb): criticize unfairly; disparage. denigrate is totally irrelevant word.
13. A) inflation meaning: a general increase in prices and fall in the purchasing value of money. In this sentence, the comparison is done with inflation. "the cost of undergraduate and advanced degrees continually rises at a greater rate than inflation."
inflammatory (adjective) meaning: relating to or causing inflammation of a part of the body. this is totally out of the context word.
14. E) pursuing- is correct word choice.
pursue-to carry on or continue (a course of action, a train of thought, an inquiry, studies, etc.).
15. B) accumulate-gather together or acquire an increasing number or quantity of.
accumulate correctly fits in the context of the sentence.
"The current system requires the majority of students to accumulate extensive debt with the expectation that"
dissipate meaning-(with reference to a feeling or emotion) disappear or cause to
disappear. hence, dissipate is totally irrelevant word to fit in this context.
16. C) lucrative-producing a great deal of profit. according to the context we need
positive word that express profit-making. hence lucrative is correct word choice.
17. E) ethical-elating to moral principles or the branch of knowledge dealing with these. ethical is correct word choice and express the idea correctly conveyed in the sentence.
18. A) hierarchy-a system in which members of an organization or society are ranked according to relative status or authority.
"the hierarchy of differing higher education institutions and cost, and the resulting socioeconomic and racial inequities in college demographics." hierarchy fits in the context of the sentence correctly.
19. D) effect is a noun and affect is a verb. in this context, we need a noun form. hence 'effect' is correct word choice.
20. B) incur-become subject to (something unwelcome or unpleasant) as a result of one's own behaviour or actions.
infer-deduce or conclude (something) from evidence and reasoning rather than from explicit statements. infers is correct choice.
21. A) Option a) is correct answer since the paragraph gives details insurance scheme among people. So, option a) will be a perfect sentence for starting the passage since it describe about the people which is followed in next sentence.
22. E) Option e) is correct answer since the passage gives some facts about capitalism. So, option e) will be a correct option for that blank since it makes the paragraph meaningful.
23. D) Option d) is correct answer since the passage explains about the modernity. So, option d) will be correct answer since it makes the paragraph coherent which gives the continuation of previous sentence.
24. B) Option b) is correct answer since in the paragraph is describing about the development that was done during the past year by PM Narendra Modi. So, option b) is a correct sentence which gives correct starting for the paragraph.
25. C) Option c) is correct answer since in the paragraph is giving details about technology improvement in science. So, option c) is exact sentence which makes the paragraph meaningful.