​CLOZE TEST

Directions : In the following passages there are blanks, each of which has been numbered. These
numbers are printed below the passage and against each, five words/phrases are suggested, one of
which fits the blank appropriately. Find out the appropriate word/ phrase in each case.

SET-1
Mobile banking (M banking) involves the use of a mobile phone or any other mobile device to …… (1)……
financial transactions linked to a client’s account. M banking is new in most countries and most mobile payment
models even in developed countries to date operate on a …… (2)……scale. A mobile network offers a …… (3)……
available technology platform onto which other services can be provided at low cost with effective results. For
example, M banking services which use …… (4)…… such as SMS can be carried at a cost of less than one US cent
per message. The low cost of using existing infrastructure makes such services more …… (5)…… to use by
customers with lower purchasing power and opens up access to services which did not reach them earlier due to
…… (6)…… cost of service delivery. Although M banking is one aspect in the wider…… (7)……of e-banking
there are reasons to single it out for focus – especially because there are a lot more people with mobile phones than
bank accounts in India.M banking could provide a …… (8)…… solution to bring more “unbanked” people to the
financial mainstream. Without traditional credit, individuals are …… (9)……to exploitation by abusive lenders
offering very high interest rates on short term loans. Also of considerable importance are public safety implications
for the unbanked — they are often victims of crime because many operate on a cash-only and end up carrying
significant amounts of cash on their …… (10)…… or store cash in their homes.

1.
(a) disburse (b) undertake (c) subscribe (d) lure (e) amass

2.
(a) full (b) voluminous (c) substantial (d) limited (e) rapid

3.
(a) readily (b) tangible (c) routinely (d) securely (e) unique

4.
(a) process (b) waves (c) deliveries (d) connection (e) channels

5.
(a) valuable (b) answerable (c) amenable (d) exposed (e) responsible

6.
(a) waning (b) stable (c) proportionate (d) marginal (e) high

7.
(a) archive (b) domain (c) purpose (d) component (e) aspect

8.
(a) law-abiding (b) tried (c) reassuring (d) cost-effective (e) stop-gap

9.
(a) inclined (b) immune (c) vulnerable (d) surrendered (e) pressured

10.
(a) person (b) own (c) relatives (d) purses (e) self

SET-2
Studies ..(1).. the impact of computer models to support policy-making processes in organizations have ..(2).. that
client involvement in the model-building process is often a ..(3).. for effective model building. One important reason
is that the process of model building is frequently more important than the resulting model. Model building itself is
largely a ..(4).. process about the problem. Most ..(5).. about the characteristics of an ill-structured problem are
gained during the ..(6).. process of designing a computer model, rather than after is model is finished. Another
important reason is the most information in an organization ..(7).. in the mental models of organizations members.
To support policy making in organizations it is this knowledge which needs to be ..(8).. and represented in the
model. An important topic in client-oriented or ..(9).. model building thus becomes the ..(10).. of relevant knowledge
contained in the mental models of participants.

1.
(a) evaluating (b) focusing (c) projecting (d) advocating (e) directing

2.
(a) devised (b) exhibited (c) convinced (d) attributed (e) indicated

3.
(a) support (b) valuation (c) prerequisite (d) material (e) blueprint

4.
(a) valuable (b) durable (c) tedious (d) learning (e) critical

5.
(a) thinking (b) insights (c) planning (d) appreciation (e) opinions

6.
(a) elongated (b) concentrated (c) iterative (d) evolving (e) consummate

7.
(a) resides (b) follows (c) settles (d) lays (e) committed

8.
(a) extended (b) bisected (c) subjected (d) captured (e) attributed

9.
(a) revolving (b) interactive (c) dogmatic (d) accentuated (e) formative

10.
(a)Demarcation (b)formation (c)proliferation (d)association (e)elicitation

SET-3
The removal of the top soil by human and natural ​--------1------- ​is termed as soil erosion. Destruction of trees speed
soil erosion. The poor ​------2------​ of agricultural land and overgrazing of pastures enhance the rate of soil erosion. If
a sloping land is ​-------3------- ​the water runs down furrows. The natural drainage system is damaged and soil
erosion is increased. The natural agents of erosion are ---​--4------​- rain-water, sun-rays and wind. The top soils on
river beds are ​------5------​ away by rivers and streams. Overflowing rain-water washes away mud and dust. Weak
soil is also blown away by wind and damaged by sun-rays. As a result of soil erosion millions of hectares of land
have -​-------6--------​ unproductive and barren. The earth’s crust is ​-----7------​ and fertility is lost. To prevent soil
erosion steps must be taken to plant trees and ​-------8-------​ forests. The agricultural land must be
maintained ​--------9------- ​and the drainage system must be improved. Moreover the pastures should be used in a
restricted way. If we take these ​-------10--------- ​we can surely have a remedy for the damages already done by soil
erosion.

Q1. ​ (a) goods (b) methodical (c) agents (d) lampoon (e) nuance

Q2.
(a) maintenance (b) lodge (c) surviving (d) obstruct (e) forbid

Q3.
(a) calmed (b) graze (c) ploughed (d) gauge (e) relaxing

Q4.
(a) overflowing (b) residue (c) residing (d) mitigate (e) mud

Q5.
(a) took (b) grow (c) take (d) carry (e) carried

Q6.
(a) becoming (b) became (c) become (d) boiling (e) be

Q7.
(a) filtered (b) emulsification (c) destroy (d) destruct (e) decayed

Q8.
(a) malicious (b) protect (c) nullify (d) reduction (e) stride

Q9.
(a) collapse (b) due (c) full (d) properly (e) frankly

Q10.
(a) rule (b)method (c) measures (d) hazard (e) mold

SET-4
Cleanliness is not a work which we should do forcefully. It is a good habit and healthy way of our ------1------- life.
All type of cleanliness is very necessary for our good health -------2------ it is personal cleanliness, surrounding
cleanliness, environment cleanliness, pet animal cleanliness or work place cleanliness (like school, college, office,
etc..). We all should be highly -----3------ about how to maintain cleanliness in our daily lives. It is very simple to
include cleanliness in our habit. We should never --------4--------- with cleanliness, it is as necessary as food and
water for us. It should be practiced from the childhood which can only be -------5------- by each parent as a first and
foremost responsibility.

Q1.
(a) healthy
(b) due
(c) man
(d) torture
(e) symbolic

Q2.
(a) thought
(b) though
(c) whether
(d) beside
(e) bewildered

Q3.
(a) symbol
(b) obscene
(c) malicious
(d) frustrate
(e) aware

Q4.
(a) compromise
(b) loose
(c) gone
(d) residue
(e) guilt

Q5.
(a) start
(b) initiated
(c) guide
(d) malnutrition
(e) sign

SET-5

In the …(1)… of India’s economic boom, India Professional Service Firms (PSFs) from
management consultancies and investment banks to advertising agencies and law firms as
…(2)… to attract the best and the brightest talent. But to be truly successful they have to do
more than that. Like PSFs around the world they need to …(3)… their professionals rather
than see them walk out of the door in …(4)… of opportunities. To achieve that, companies
often rely on the …(5)… of sprawling campuses and luxurious facilities. But none of this gets
to the …(6)… of the problem, which is when young professionals join PSFs they have
expectations which go far …(7)… the nature of facilities …(8)… on to do creative, thought
provoking work, they often find themselves engaged in doing …(9)… activities. They feel
under utilized, which is a formula for …(10)… in the long term.

Q1. (a) depth (b) stage (c) midst (d) present (e) knowledge
Q2. (a) opposing (b) rivaling (c) partial (d) competing (e) obsessed
Q3. (a) transition (b) retain (c) advance (d) substitute (e) restrain
Q4. (a) obtaining (b) pursuing (c) demand (d) direction (e) search
Q5. (a) allure (b) control (c) reward (d) perk (e) allusion
Q6. (a) solution (b) key (c) heart (d) precedence (e) occurrence
Q7. (a) ahead (b) beyond (c) away (d) to (e) sighted
Q8. (a) Deciding (b) Catching (c) Keen (d) Focusing (e) Signing
Q9. (a) pivotal (b) productive (c) optional (d) mundane (e) allied
Q10. (a) failure (b) motivation (c) success (d) innovation (e) potential

SET-6

Several years ago, citing brain-drain and patriotism as reasons, the president of one of the
IITs ------(1)----undergraduates from accepting academic or business internships overseas.
There are other _____(2)_____ to global mobility, too, not always explicitly _____(3)_____,
but all having the effect of limiting _____(4)_____ to universities around the world. In the
years following the terrorist attacks of September 11, 2001, for example, legitimate
_____(5)_____ concerns led to enormous student-visa delays and bureaucratic hassles for
_____(6)_____ aspiring to study in the United States. Student numbers have since
_____(7)_____, despite intermittent problems, but there remain severe limits on work and
residency visas, which should serve as a/n _____(8)_____ for the best and brightest to study
in the United States.

Q1. (a) decided (b) banned (c) provisions (d) allowed (e) provided
Q2. (a) subterfuges (b) boosts (c) provisions (d) impediments (e) circumventions
Q3. (a) diplomatic (b) adverse (c) protectionist (d) dispassionate (e) illegal
Q4. (a) sanctions (b) supply (c) applications (d) access (e) admissions
Q5. (a) security (b) religious (c) dogmatic (d) jingoistic (e) anabatic
Q6. (a) natives (b) foreigners (c) aliens (d) alumni (e) strangers
Q7. (a) rebounded (b) declined (c) multiplied (d) ascended (e) stagnated
Q8. (a) embellishment (b) condition (c) assessment (d) application (e) enticement

SET-7

The Right of Children to Free and Compulsory Education(RTE) Act, 2009, which came (11) effect in April
this year, is meant to transform the education sector and take India closer to the goal of universal
schooling. But with admissions to the new academic session just (12) the corner, it is fast becoming clear
that (13) well intentioned ideas into (14)will take some doing. For a start, the guidelines for admissions
under the RTE prohibit schools from conducting any sort of student profiling. The stress on a random yet
justifiable admission process means that schools will have to resort to something as quirky as a lottery
system. However, leaving admission to a good school to pure (15) will only incentivize manipulations,
defeating the very essence of RTE. The main problem facing the education sector is that of a resource
crunch. The provisions for ensuring universal access to education are all very well, (16) we have the
infrastructure in place first. Brick and mortar schools need to precede open admission and not the (17)
way around. In that sense, legislators’ assessment of ground realities is (18) target when they endorse
the closure of tens of thousands of low-cost private schools for not meeting the minimum standards of
land plot, building specifications and playground area as laid out in the RTE Act. Instead of bearing down
(19) on private schools for failing to conform to abstract bureaucratic criteria, efforts to bring about
universal education should focus on upgrading and expanding the existing government school
infrastructure to accommodate all. Only then can we ensure the muchneeded supply-demand (20) in
the education sector.

11. (a) with (b) for (c) on (d) into