(Paper) IBPS Clerk Online CWE-II Previous Year Exam Paper "Held on 16-12-2012, English Language"

IBPS Clerk Online CWE-II Previous Year Exam Paper - 2012

Subject: English Language

Directions (1-5): Which of the phrases (1), (2), (3) and (4) given below should replace the phrase given in bold in the following sentences to make the sentence grammatically correct? If the sentence is correct as it is and there is no correction required mark (5) i.e. ‘No correction required’ as the answer.

1. During the recession many companies will be forced to lay oil workers.

(1) have the force to
(2) be forced into
(3) forcibly have
(4) forcefully
(5) No correction required

2. He wanted nothing else expecting to sleep after a stressful day at work.

(1) nothing better than
(2) anything else unless
(3) nothing but having
(4) nothing else than
(5) No correction required

3. Ramesh took charge of the project, within a few days of having appointed?

(1) having an appointment
(2) being appointed
(3) after being appointed
(4) appointing
(5) No correction required




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4. It is difficult to work with him because he is one of those persons who think he is always right.

(1) think they are always
(2) always thinks he is
(3) is always thinking they are
(4) always think his
(5) No correction required

5. Foreign businesses in developing countries have usually problems with lack of infrastructure and rigid laws.

(1) usual problems as
(2) usually problems on
(3) as usual problems like
(4) the usual problems of
(5) No correction required

Directions (46-50): Pick out the most effective word from the given words to fill in the blank in each sentence to make the sentence meaningfully complete.

6. They work hard not because of the __ , but because of their inner urge.

(1) desire
(2) drive
(3) energy
(4) incentive
(5) motivation

7. His __ background has made him so docile.

(1) famous
(2) lucrative
(3) rich
(4) advanced
(5) humble

8. It is __ for everyone to abide by the laws of the land.

(1) expected
(2) obligatory
(3) meant
(4) optional
(5) recommended

9. he is a hard worker, his quality of work is not of a desirable level.

(1) Despite
(2) Because
(3) Although
(4) Somehow
(5) However

10. In spite of repeated instructions, he __ the some mistakes.

(1) commits
(2) detects
(3) corrects
(4) imitates
(5) exhibits

Directions (11-20): Read the following passage carefully and answer the questions given below it. Certain words have been printed in bold to help you locate them while answering some of the question.
Political ploys initially hailed as master-strokes often end up as flops. The Rs. 60,000 crore farm loan waiver announced in the budget writes off 100% of overdues of small and marginal farmers holding upto two hectares, and 25% of overdues of larger farmers. While India has enjoyed 8%-9% GDP growth for the past few years, the boom has bypassed many rural areas and farmer distress and suicides have made newspaper headlines. Various attempts to provide relief (employment guarantee scheme, public distribution system) have made little impact, thanks. to huge leakages from the government’s lousy delivery systems. So, many economists think the loan waiver is a worthwhile alternative to provide relief.

However the poorest rural folk are landless labourers, who get neither farm loans nor waivers. Half of the small and marginal farmers get no loans from banks and depend entirely on money-lenders, and will not benefit. Besides, rural India is full of the family holdings rather than individual holdings and family holdings will typically be much larger than two hectares even for dirt-poor farmers, who will, therefore, be denied the 100% waiver. It will thus fail in both economic and political objectives. IRDP loans to the rural poor in the 1980s demonstrated that crooked bank officials demand bribes amounting to one-third the intended benefits. Very few of the intended beneficiaries who merited relief received it. After the last farm loan waiver will Similarly slow down fresh loans to deserving farmers. While overdues to cooperatives may be higher, economist Surjit Shalla says less than 5% of farmer loans to banks are overdue i.e. overdues exist for only 2.25 million out of 90 million farmers. If so, then the 95% who have repaid loans will not benefit. They will be angry at being penalised for honesty.

The budget thus grossly overestimates the number of beneficiaries, It also underestimates the negative effects of the waiver-encouraging willful default in the future and discouraging fresh bank lending for some years. nstead of trying to reach the needy, through a plethora of leaky schemes we should transfer cash directly to the needy using new technology like biometric smart cards, which are now being used in many countries, and mobile phones bank accounts. Then benefits can go directly to phone accounts operable only by those with biometric cards, ending the massive leakages of current schemes.
The political benefits of the loan waiver have also been exaggerated since if only a small fraction of farm families benefit, and many of these have to pay bribes to get the actual benefit, will the waiver really be a massive vote- winner? Members of joint families will feel aggrieved that, despite having less than one hectare per head, their family holding is too large. Lo qualify for the 100% waiver. Alliance ministers, of central or state governments, give away freebies in their last budgets, hoping to win electoral regards, Yet, four-fifth of all incumbent governments are voted out. This shows that beneficiaries of favours are not notably grateful, while those not so favoured may feel aggrieved, and vote for the opposition. That seems to be why election budgets constantly fail to win elections in India and the loan waiver will not change that pattern.

11. Why do economists feel that loan waivers will benefit farmers in distress?

(1) It will improve the standard of living of those farmers who can afford to repay their loans but are exempted,
(2) Other government relief measures have proved ineffective.
(3) Suicide rates of farmers have declined after the announcement of the waiver.
(4) Farmers will be motivated to increase the size of their family holdings not individual holdings.
(5) The government will be forced to reexamine and Improve the public distribution system.

12. What message will the loan waiver send to farmers who have repaid loans?

(1) The Government will readily provide them with loans in the future.
(2) As opposed to money lenders banks are a safer and more reliable source of credit.
(3) Honesty is the best policy.
(4) It is beneficial to take loans from co-operatives since their rates of interest are lower.
(5) They will be angry at being penalised for honesty

13. What is the author’s suggestion to provide aid to farmers?

(1) Families should split their joint holding to take advantage of the loan waiver.
(2) The government should increase the reach of the employment guarantee scheme.
(3) Loans should be disbursed directly into bank accounts of the farmers using the latest technology.
(4) Government should ensure that loans waivers can be implemented over the number of years.
(5) Rural infrastructure can be improved using schemes which were successful abroad.

14. What was the outcome of IRDP loans to the rural poor?

(1) The percentage of bank loan sanctioned to family owned farms increased.
(2) The loans benefited dishonest money-lenders not landless labourers.
(3) Corrupt bank officials were the unintended beneficiaries of the loans.
(4) It resulted in the Government sanctioning thrice the amount for the current loan waiver.
(5) None of these.

15. What are the terms of the loan waiver?

(A) One-fourth of the overdue loans of landless labourers will be written off.
(B) The Rs. 60,000 crore loan waiver has been sanctioned for 2.25 million marginal farmers.
(C) Any farmer with between 26 per cent to 100 per cent of their loan repayments overdue will be penalised.

(1) Only(A)
(2) Only (B)
(3) Both (B) and (C)
(4) All (A), (B) and (C)
(5) None of these

16. What is the author’s view of the loan waiver?

(1) It will have an adverse psychological impact on those who cannot avail of the waiver.
(2) It is a justified measure in view of the high suicide rate among landless labourers.
(3) It makes sound economic and political sense in the existing scenario.
(4) It will ensure that the benefits of India’s high GDP are felt by the rural poor.
(5) None of these

17. Which of the following cannot be said about loan waiver?

(A) Small and marginal farmers will benefit the most.
(B) The loan waiver penalizes deserving farmers.
(C) A large percentage i.e.. ninety- five per cent of distressed farmers will benefit.

(1) Only(C)
(2) Both (A) and (C)
(3) Only (A)
(4) Both (B) and (C)
(5) None of these

18. Which of the following will definitely be an impact of Joan waivers?

(A) Family holdings will be split into individual holdings not exceeding one hectare.
(B) The public distribution system will be revamped.
(C) Opposition will definitely win the election.

(1) None
(2) Only (A)
(3) Both (A) and (B)
(4) Only (C)
(5) All (A), (B) and ( C)

29. What impact will the loan waiver have on banks?

(1) Banks have to bear the entire brunt of the write off.
(2) Loss of trust in banks by big farmers.
(3) Corruption among bank staff will increase.
(4) Farmers will make it a habit to default on loans
(5) None of these

20. According to the author what is the government’s motive in sanctioning the loan waiver?

(1) To encourage farmers to opt for bank loans from money- lenders.
(2) To raise 90 million farmers out of indebtedness.
(3) To provide relief to those marginal farmers who have the means to but have not repaid their loans
(4) To ensure they will be re-elected
(5) None of these

Directions (21-23): Choose the word which is most nearly the SAME in meaning to the word printed in bold as used in the passage.

21. Incumbent

(1) mandatory
(2) present
(3) incapable
(4) lazy
(5) officious

22. ploys

(1) surveys
(2) entreaties
(3) ruses
(4) lazy
(5) assurances

23. aggrieved

(1) vindicated
(2) intimidated
(3) offensive
(4) wronged
(5) disputed

Directions (24-25): Choose the word which is most OPPOSITE in meaning to the word printed in bold as used in the passage.

24. plethora

(1) dearth
(2) missing
(3) superfluous
(4) sufficient
(5) least

25. merited

(1) ranked
(2) unqualified for
(3) lacked
(4) inept at
(5) unworthy of

Directions (26-30): Read each sentence to find out whether there is any grammatical error in it.

The error, if any, will be in one part of the sentence. The number of that part is the answer. If there is no error, the answer is (5). (Ignore errors of punctuation, if any)

26. It is more better(l)/ if one of the parents(2)/ stays at home(3)/ to look after the children(4)/ No error(5)

27. With a fresh coat(l)/ of paint(2)/ the school can(3)/ look much nice(4)/ No error(5)

28. I asked the salesman(1) / If I could exchange(2)/ the faulty camera(3)/ with another one(4)/ No error(5)

29. I took me(l)/ almost a hour(2)/ to fill the(3)/ application form(4)/ No error(5).

30. She insists (1)/ you stay(2)/ until her husband (3)/ comes home(4)/ No error (5)

Directions (31-40): In the following passage, there are blanks, each of which has been numbered.

These numbers are printed below the passage and against each, five words are suggested one of which fits the blank appropriately. Find out the appropriate word in each case.

Mankind has seen rapid (31) in the last 150 years because of the mass manufacturing techniques (32) in western nations and later taken to new levels of efficiency by Japan. Mass production and production for the masses became the bases of new business strategies. Large scale consumption by all with the social benefit of (33) poverty became the dominant economic strategy. The advent of electricity and its large-scale application to lighting, heating and operating machines added a fresh dimension to manufacturing. By the 1950s came (34) in electronics and transistor devices to be followed by innovations in microelectronics, computers and various forms of sensors all of which (35) altered the manufacturing scene. It is now no longer necessary to make prototypes in a factory or a laboratory to study a new product. Many new products can be (36) on computers and their behaviour simulated on them. By choosing an optimum design through such simulations, computer programmes can directly (37) the manufacturing processes. These processes are generally called Computer Aided Design (CAD) and Computer Assisted Manufacturing (CAM). These capabilities are leading to newer forms of (38) by customers. Each customer can be offered several special options. Customised product design or (39) manufacturing are other popular techniques currently in (40) in many developed countries.


(1) havoc
(2) transformation
(3) destruction
(4) violence
(5) deforestation


(1) discarded
(2) resorted
(3) indulged
(4) perfected
(5) designated


(1) removing
(2) nurturing
(3) appeasing
(4) cajoling
(5) mastering


(1) additions
(2) gadgets
(3) modifications
(4) variety
(5) invention


(1) immediately
(2) precisely
(3) irreversibly
(4) indefinitely
(5) measurably


(1) designed
(2) produced
(3) manufactured
(4) sold
(5) purchased


(1) inspire
(2) cultivate
(3) visualise
(4) drive
(5) curtail


(1) uses
(2) demands
(3) advertisements
(4) consumption
(5) goods


(1) visible
(2) secure
(3) fundamental
(4) overt
(5) flexible


(1) view
(3) vogue
(5) order
(2) wings
(4) isolation




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