The EduCrafter On 12th October, India ____________(1) 10 years of the

(A complete Solution for SSC, Bank PO and Clerical practice of right to information. In this decade, this law,
Exams) one critical to Indian democracy, has established the
ENGLISH (CLOZE TEST) citizen’s right ______(2) make informed choices, not just
once every five years, _________(3) every single day.
Read the following passages and fill in the blanks with the
Governments at the Central and State levels have been
most appropriate word or phrase from the given options.
forced to _________(4) to the democratic principle of
PASSAGE 1 sharing power. An estimated five to eight million
applications _______(5) filed every year, making it clear
State-run lender IDBI Bank has ________(1) plans to how popular the law is. More than 45 RTI users who have
transform the institution by increasing its retail presence been _______(6) bear testimony to just how many the act
while cutting ______(2) on corporate lending by 2019 threatens vested interests. In posterity, those studying
_________(3) Finance Minister Arun Jaitly stating the governance in independent India will be _________(7) to
government will consider bringing down its stake to mark the patterns of a pre- and post-RTI era. It is,
_______(4) 50 per cent. therefore, important to understand the immense
“We are transforming the business, moving the balance ___________(8) of the ordinary Indians who battled for
towards retail from corporate,” ______(5) Mr. Kishor years to ______(9) the entitlement and since 2005, to
Kharat, Managing Director and Chief Executive Officer, ________(10) the law.
IDBI Bank, while unveiling the plan. 1) A) rejoice B) celebrated C) remember
According to the plan, which will _____________(6) D) retain
from April, 2016, the share of retail business will be 2) A) in B) for C) into
increased to 21 per cent _______(7) 2019 from 14 per D) to
cent now. Consequently the share of corporate lending in 3) A) in spite B) before C) however
the overall loan portfolio will __________(8) to 37 per D) but
cent from 43 per cent. 4) A) accept B) concede C) include
D) contain
On the liabilities side, the bank will ________(9) the 5) A) is B) has been C) are
share of current and savings deposits, which are low cost, D) have
to 35 per cent from the present 25 per cent while the 6) A) killed B) vanished C) wiped out
proportion of ______(10) deposits would be cut to 32 per D) burdened
cent from 44 per cent now. 7) A) consulted B) asked C) able
D) call
1. A) show B) produced C) unveiled
8) A) life B) contribution C) fortune
D) came up E) form
D) wealth
2. A) up B) from C) into
9) A) received B) make C) join
D) down E) on
D) get
3. A) in B) amid C) on
10) A) implement B) ensured C) validate
D) between E) among
D) publish
4. A) above B) below C) under
D) over E) all PASSAGE 3
5. A) inform B) opinion C) made
D) said E) slate The United States seems to be back at its old game in
6. A) implement B) be implementing C) be Latin America. The region has ceased to be Washington’s
implemented D) is implementing E) backyard since the _______(1) of the century, but that
implementing fact has not _______(2) Americans policymakers from
7. A) at B) on C) by making efforts to reverse the progressive “pink tide” that
D) into E) upto has swept across most of Latin America and the
8. A) come up B) come down C) is coming Caribbean. President Barack Obama’s efforts at
down D) came down E) come from normalising ______(3) with Cuba after more than six
9. A) consider B) order C) took decades of hostility were ________(4) in the region. But
D) take E) give soon after historic decision, the Obama administration
10. A) swelling B) all C) hole took the unprecedented step of ________(5) sanctions on
D) bulk E) total the government of Venezuela. Through an “executive
order” on March 9, Obama _______(6) the country as a
“national security threat” to the U.S. and imposed
PASSAGE 2 sanctions on senior Venezuelan government officials.

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Washington’s move has come in _______(7) 2) A) at B) on C) in
condemnation from all the governments in the region. D) into
Only Canada, under the neoconservative Prime Minister 3) A) schemes B) rules C) files
Steven Harper, is openly supporting the action D) rituals
________(8) Venezuala. 4) A) necessary B) mandatory C)
optional D) involuntary
Obama’s executive order declared Venezuela as “an
5) A) said B) defined C)
extraordinary threat” to US national security. Venezuela
explain D) empathy
and also regional groupings such as the Union of South
American States (UNASUR) have demanded that Obama PASSAGE 5
________(9) the order. The US action will be high on the
Selfless action is the outward ________(1) of selfless
agenda of the forthcoming Summit of the Americas.
love. When the heart is filled with love, it expresses itself
Following the US action, Venezuela’s parliament gave
in the ________(2) of unselfish action. One is a deep
President Nicolas Maduro the _______(10) to rule by
inner _________(3) and the other its outward
decree for the rest of this year.
_________(4). Without deep, unconditional love, selfless
1) A) end B) turn C) middle actions cannot be performed. However, in the beginning
D) moment of our journey, our self-love becomes the _________(5)
2) A) belittled B) deterred C) stopped force for each of our actions, even if we choose to call
D) enriched them selfless. Love for ego, or oneself, is the predominant
3) A) ties B) connection C) relations feeling in every human being. Unless this feeling withers
D) pact away, real selflessness will not emerge.
4) A) acknowledged B) welcomed C) accepted
1. a) delivery b) exposition c) term d)
D) called
expression e) assertion
5) A) imposing B) helping C) ruling
2. a) fashion b) form c) mode d)
D) giving
style e) absence
6) A) ordered B) classified C) consider D)
3. a) insensibility b) perception c) feeling d)
opted
reflection e) awareness
7) A) to B) for C) at
4. a) proof b) cover c) obscurity
D) by
d) instance e) manifestation
8) A) for B) on C) against
5. a) driving b) energetic c) wimpy
D) in
d) sweeping e) magnetic
9) A) ceased B) stopped C) withdraw D)
censure PASSAGE 6
10) A) power B) right C) legal
D) decision Uncertainty __________(16) on the impact that the end of
the policy of quantitative easing in the United States
PASSAGE 4 would _________(17) on emerging markets such as India.
An issue of concern for the government and the Reserve
________(1) that the authorities cannot insist on a citizen
Bank of India is the evidence that inflows ________(18)
to produce his Aadhaar card, the Supreme Court _____(2)
deposit schemes for non-resident Indians (NRIs) are
15 October, 2015 extended the voluntary use of the card
shrinking. Inflows into NRI deposits _________(19) at $
to the MGNREGA, all types of pension ________(3),
38,406 million in the financial year 2013-14, which
employees provident fund and the Prime Minister Jan
amounts to a monthly average _______(20) $3,200
Dhan Yojana.
million.
A Constitution Bench led by Chief Justice of India H.L.
1. (a) surrounds (b) covers (c) bends (d)
Dattu said use of the Aadhar card was purely voluntary
abounds (e) lies
and not ________(4). With this, the order issued by its
2. (a) had (b) have (c) be (d)
three-judge Bench restricting Aadhar use to onle PDS and
has (e) been
LPG (cooking gas) distribution. The Bench ________(5)
3. (a) into (b) in (c) on (d)
the purely voluntary nature of the use of Aadhar card to
off (e) over
access public service will continue till the court takes a
4. (a) risen (b) raised (c) peaked (d)
final decision.
top (e) extreme
1) A) recognising B) acknowledge C) citing 5. (a) of (b) with (c) in (d)
D) noting into (e) on

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PASSAGE 7
If the IRDA is serious about policyholder protection, there
are other areas to be ________(41) on a _______(42) too.
Traditional insurance plans have one of the highest cost
structures among financial products, with 15 to 40 per
cent of the first-year premium ________(43) as agent
fees. This needs to be _______(44) and the front-ending
fees, which incentives agents to ________(45) customers,
stopped. For products _______(46) as investment plans,
simple and standardised disclosures on investment
patterns and charges must be made _________(47),
without needlessly ________(48) clauses on fund value,
sum assured, bonuses and death benefits. The IRDA must
also continue to pressure the industry to improve its
claimed settlement record. In 2013-14, private life
insurers ______(49) 14.5 % of claims, with the ratio for
some as high as 25-30 %. Reducing this is the first step to
_________(50) policyholders’ confidence in insurance
products.
1. A. attacked B. tackled C. avoided
D. preoccupied
2. A. precedence B. seniority C. priority
D. importance
3. A. appropriated B. devoted C. kept
D. refused
4. A. unleashed B. egged on C. liberated
D. moderated
5. A. rebuke B. apologise C. fight
D. churn
6. A. rejected B. used C. pitched
D. conformed
7. A. mandatory B. indispensed C. needful
D. complete
8. A. facile B. arduous C. mixed
D. complicated
9. A. claimed B. repudiated C.
underwritten D. offered
10. A. recognise B. survive C. wane
D. reviving

The EduCrafter, Singjamei Chinga Mathak, Contact: 8974301876/ 9863544454