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Q1
Passage summary:
Decades of ecological study show that slicing forests into fragments — through mining, highways, and similar intrusions — badly damages them. When a large forest is broken into smaller bits, the edges of every bit come into contact with human activity, and this degrades the entire forest rather than just its margins. Fragmentation also severs the continuity of forested landscapes and wildlife corridors, putting species already prone to extinction at greater risk. The author describes habitat fragmentation as the gravest danger facing biodiversity conservation. The threat is made worse by casual, one-off grants of forest land to mining companies and by unchecked illegal mining. Keeping forested landscapes and corridors continuous matters chiefly because it preserves biodiversity — not because it helps manage mineral resources or grant forest land for human use.
Decades of ecological study show that slicing forests into fragments — through mining, highways, and similar intrusions — badly damages them. When a large forest is broken into smaller bits, the edges of every bit come into contact with human activity, and this degrades the entire forest rather than just its margins. Fragmentation also severs the continuity of forested landscapes and wildlife corridors, putting species already prone to extinction at greater risk. The author describes habitat fragmentation as the gravest danger facing biodiversity conservation. The threat is made worse by casual, one-off grants of forest land to mining companies and by unchecked illegal mining. Keeping forested landscapes and corridors continuous matters chiefly because it preserves biodiversity — not because it helps manage mineral resources or grant forest land for human use.
What is the purpose of maintaining the continuity of forested landscapes and corridors?
1Preservation of biodiversity.
2Management of mineral resources.
3Grant of forest lands for human activities.
Select the correct answer using the codes given below:
In a rare coin collection, there is one gold coin for every three non-gold coins. 10 more gold coins are added to the collection and the ratio of gold coins to non-gold coins would be 1: 2. Based on the information; the total number of corns in the collection now becomes
A gardener has 1000 plants: He wants to plant them in such a way that the number of rows and the number of columns remains the same. What is the minimum number of plants that he needs more for this purpose?
A sum of RS. 700 has to be used to give seven cash prizes to the students of a school for their overall academic performance. If each prize is Rs. 20 less than its preceding prize, then what is the least value of the prize?
Out of 120 applications for a post, 70 are male and 80 have a driver's license. What is the ratio between the minimum to maximum number of males having driver's license?
In a garrison, there was food for 1000 soldiers for one month. After 10 days, 1000 more soldiers joined the garrison. How long would the soldiers be able to carry on with the remaining food?
A person can walk a certain distance and drive back in six hours. He can also walk both ways in 10 hours. How much time will he take to drive both ways? UPSC CSAT 2013 www.iasbaba.com
Laws in many parts of the world now restrict dumping agricultural slurry into watercourses. The simplest and often cheapest remedy is to return the material to the land as semi-solid manure or sprayed slurry, thinning its concentration back toward the levels of older, more sustainable farming — this turns a pollutant into fertilizer, since soil microbes break down the organic matter and release its mineral nutrients for plants to absorb again. But when excess nitrogen and phosphorus wash off farmland, along with human sewage, even healthy clear-water lakes low in nutrients tip into eutrophication: the nutrients drive heavy phytoplankton growth, sometimes dominated by toxic bloom-forming species, which clouds the water, eliminates larger plants, and in the worst cases causes oxygen depletion and fish kills — a process known as cultural eutrophication. This destroys valuable ecosystem services such as wild fish catches and recreation. Recently scientists have also discovered huge 'dead zones' in the ocean near the mouths of large rivers — the Mississippi and the Yangtze are named examples — where nutrient-rich water flowing downstream kills virtually all invertebrates and fish across areas of up to 70,000 square kilometres.
According to the passage, why should the discharge of agricultural slurry into watercourses be restricted?
1Losing nutrients in this way is not a good practice economically.
2Watercourses do not contain the microorganisms that can decompose organic components of agricultural slurry.
3The discharge may lead to the eutrophication of water bodies.
Select the correct answer using the codes given below
Laws in many parts of the world now restrict dumping agricultural slurry into watercourses. The simplest and often cheapest remedy is to return the material to the land as semi-solid manure or sprayed slurry, thinning its concentration back toward the levels of older, more sustainable farming — this turns a pollutant into fertilizer, since soil microbes break down the organic matter and release its mineral nutrients for plants to absorb again. But when excess nitrogen and phosphorus wash off farmland, along with human sewage, even healthy clear-water lakes low in nutrients tip into eutrophication: the nutrients drive heavy phytoplankton growth, sometimes dominated by toxic bloom-forming species, which clouds the water, eliminates larger plants, and in the worst cases causes oxygen depletion and fish kills — a process known as cultural eutrophication. This destroys valuable ecosystem services such as wild fish catches and recreation. Recently scientists have also discovered huge 'dead zones' in the ocean near the mouths of large rivers — the Mississippi and the Yangtze are named examples — where nutrient-rich water flowing downstream kills virtually all invertebrates and fish across areas of up to 70,000 square kilometres.
The passage refers to the conversion of "pollutant to fertilizer". What is pollutant and what is fertilizer in this context?
Laws in many parts of the world now restrict dumping agricultural slurry into watercourses. The simplest and often cheapest remedy is to return the material to the land as semi-solid manure or sprayed slurry, thinning its concentration back toward the levels of older, more sustainable farming — this turns a pollutant into fertilizer, since soil microbes break down the organic matter and release its mineral nutrients for plants to absorb again. But when excess nitrogen and phosphorus wash off farmland, along with human sewage, even healthy clear-water lakes low in nutrients tip into eutrophication: the nutrients drive heavy phytoplankton growth, sometimes dominated by toxic bloom-forming species, which clouds the water, eliminates larger plants, and in the worst cases causes oxygen depletion and fish kills — a process known as cultural eutrophication. This destroys valuable ecosystem services such as wild fish catches and recreation. Recently scientists have also discovered huge 'dead zones' in the ocean near the mouths of large rivers — the Mississippi and the Yangtze are named examples — where nutrient-rich water flowing downstream kills virtually all invertebrates and fish across areas of up to 70,000 square kilometres.
According to the passage, what are the effects of indiscriminate use of fertilizers?
1Addition of pollutants to the soil and water.
2Destruction decomposer of microorganisms in soil.
3Nutrient enrichment of water bodies.
4Creation of algal blooms.
Select the correct answer from the codes given below: UPSC CSAT 2013 www.iasbaba.com
Laws in many parts of the world now restrict dumping agricultural slurry into watercourses. The simplest and often cheapest remedy is to return the material to the land as semi-solid manure or sprayed slurry, thinning its concentration back toward the levels of older, more sustainable farming — this turns a pollutant into fertilizer, since soil microbes break down the organic matter and release its mineral nutrients for plants to absorb again. But when excess nitrogen and phosphorus wash off farmland, along with human sewage, even healthy clear-water lakes low in nutrients tip into eutrophication: the nutrients drive heavy phytoplankton growth, sometimes dominated by toxic bloom-forming species, which clouds the water, eliminates larger plants, and in the worst cases causes oxygen depletion and fish kills — a process known as cultural eutrophication. This destroys valuable ecosystem services such as wild fish catches and recreation. Recently scientists have also discovered huge 'dead zones' in the ocean near the mouths of large rivers — the Mississippi and the Yangtze are named examples — where nutrient-rich water flowing downstream kills virtually all invertebrates and fish across areas of up to 70,000 square kilometres.
What is/are the characteristics of a water body with cultural eutrophication?
1Loss of ecosystem services
2Loss of flora and fauna
3Loss of mineral nutrients
Select the correct answer using the code given below
Laws in many parts of the world now restrict dumping agricultural slurry into watercourses. The simplest and often cheapest remedy is to return the material to the land as semi-solid manure or sprayed slurry, thinning its concentration back toward the levels of older, more sustainable farming — this turns a pollutant into fertilizer, since soil microbes break down the organic matter and release its mineral nutrients for plants to absorb again. But when excess nitrogen and phosphorus wash off farmland, along with human sewage, even healthy clear-water lakes low in nutrients tip into eutrophication: the nutrients drive heavy phytoplankton growth, sometimes dominated by toxic bloom-forming species, which clouds the water, eliminates larger plants, and in the worst cases causes oxygen depletion and fish kills — a process known as cultural eutrophication. This destroys valuable ecosystem services such as wild fish catches and recreation. Recently scientists have also discovered huge 'dead zones' in the ocean near the mouths of large rivers — the Mississippi and the Yangtze are named examples — where nutrient-rich water flowing downstream kills virtually all invertebrates and fish across areas of up to 70,000 square kilometres.
The author argues that material aid alone can never cure the world's miseries. So long as human nature remains unchanged, physical wants will keep arising and suffering will keep being felt, so no amount of physical help can remove misery completely — even turning every house into a charitable asylum or filling the land with hospitals would not end it. He identifies ignorance as the mother of all evil and of all the misery we see. The only genuine solution, he says, is to make mankind pure: people must gain light, become pure, spiritually strong, and educated. Only when human character itself changes will misery cease in the world.
According to the passage, which of the following statements is most likely to be true as the reason for man's miseries?
The author argues that material aid alone can never cure the world's miseries. So long as human nature remains unchanged, physical wants will keep arising and suffering will keep being felt, so no amount of physical help can remove misery completely — even turning every house into a charitable asylum or filling the land with hospitals would not end it. He identifies ignorance as the mother of all evil and of all the misery we see. The only genuine solution, he says, is to make mankind pure: people must gain light, become pure, spiritually strong, and educated. Only when human character itself changes will misery cease in the world.
With reference to the passage, the following assumptions have been made:
1The author gives primary importance to physical and material help in eradicating human misery.
2Charitable homes, hospitals, etc. can remove human misery to a great extent.
Consider the following figures 1, 2, 3 and 4: In the figure from 1 to 4 above, two symbols are shown to change their position in a regular direction. Following the same sequence, which one of the following will appear at the fifth stage? UPSC CSAT 2013 www.iasbaba.com
Consider the following diagrams: x men, working at constant speed, do a certain job in y days. Which one of these diagrams shows the relation between x and y?
1The Chairman and the Deputy Chairman of the Rajya Sabha are not the members of that House.
2While the nominated members of the two Houses of the Parliament have no voting right in the presidential election, they have the right to vote in the election of the Vice President.
Which of the statements given above is/are correct? (a) 1 only (b) 2 only (c) Both 1 and 2 (d) Neither 1 nor 2
Four cars are hired at the rate of Rs. 6 per km plus the cost of diesel at Rs. 40 a litre. In this context, consider the details given in the following table: Car Mileage (km/l) Hours Total Payment (Rs.) A 8 20 2120 B 10 25 1950 C 9 24 2064 D 11 22 1812 Which car maintained the maximum average speed?
If the number of female Physics professors in the age group 25 - 34 equals 25% of all the Physics professors in that age group, then what is the number of male Physics professors in the age group 25 - 34?
If the Psychology professors in the University constitute 2% of all the professors in the University, then what is the number of professors in the University?
In the context of cultural history of India, a pose in dance and dramatics called 'Tribhanga' has been a favourite of Indian artists from ancient times till today. Which one of the following statements best describes this pose?
aOne leg is bent and the body is slightly but oppositely curved at waist and neck
bFacial expressions, hand gestures and make-up are combined to symbolize certain epic or historic characters
cMovements of body, face and hands are used to express oneself or to tell a story
dA little smile, slightly curved waist and certain hand gestures are emphasized to express the feelings of love or eroticism
Consider the following figures: UPSC CSAT 2013 www.iasbaba.com Which one of the following figures would logically come in the 7th position indicated above by a question mark?
3Once the President of the Indian National Congress Select the correct statement/statements using the codes given below. (a) 1 only (b) 2 and 3 only (c) 1 and 3 only (d) 1, 2 and 3
The author says discussion of democracy has become badly muddled by recent rhetoric. One camp wants to 'impose' democracy on non-Western countries for their own good, while another opposes any such imposition out of respect for local ways — but both sides misuse the word 'impose', since it quietly assumes democracy is an exclusively Western invention that originated and flourished only in the West. He rejects that thesis and the pessimism it breeds about democratic practice elsewhere, pointing to ancient India's experiments with local democracy and urging study of traditions of popular participation and public reasoning across the world, not just in Europe and America. Treating democracy as a peculiarly Western cultural product, he argues, would blind us to the widespread human demand for participatory living that even Aristotle described with insight. At the same time, he freely concedes that the institutional machinery of modern democracy is largely a European-American creation of the last few centuries — an innovative and effective achievement he calls genuinely important and a major Western contribution.
Which of the following is closest to the view of democracy as mentioned in the above passage?
The author says discussion of democracy has become badly muddled by recent rhetoric. One camp wants to 'impose' democracy on non-Western countries for their own good, while another opposes any such imposition out of respect for local ways — but both sides misuse the word 'impose', since it quietly assumes democracy is an exclusively Western invention that originated and flourished only in the West. He rejects that thesis and the pessimism it breeds about democratic practice elsewhere, pointing to ancient India's experiments with local democracy and urging study of traditions of popular participation and public reasoning across the world, not just in Europe and America. Treating democracy as a peculiarly Western cultural product, he argues, would blind us to the widespread human demand for participatory living that even Aristotle described with insight. At the same time, he freely concedes that the institutional machinery of modern democracy is largely a European-American creation of the last few centuries — an innovative and effective achievement he calls genuinely important and a major Western contribution.
With reference to the passage, the following assumptions have been made:
1Many of the non-Western countries are unable to have democracy because they take democracy to be a specialized cultural product of the West.
2Western countries are always trying to impose democracy on non-Western countries.
Which of the above is/are valid assumption/assumptions?
Good corporate governance means conducting business with integrity and fairness, staying transparent in all transactions, making all necessary disclosures and decisions, complying with every law of the land, remaining accountable and responsible to stakeholders, and committing to ethical conduct. It also requires those in control to keep a clear line between personal and company funds. A company known for sound governance inspires confidence, and an active group of independent directors on its board goes a long way toward reassuring the market. Foreign institutional investors increasingly weigh governance when choosing where to invest, and strong governance tends to push up a company's share price. A clean governance record can also help firms raise capital at more reasonable costs. The author closes on a regretful note: corporate governance usually becomes a subject of discussion only after a large scam comes to light.
According to the passage, which of the following should be the practice/practices in good corporate governance?
1Companies should always comply with labour and tax laws of the land.
2Every company in the country should have a government 'representative as one of the independent directors on the board to ensure transparency.
3The manager of a company should never invest his personal, funds in the company.
Select the correct answer using the codes given below:
Good corporate governance means conducting business with integrity and fairness, staying transparent in all transactions, making all necessary disclosures and decisions, complying with every law of the land, remaining accountable and responsible to stakeholders, and committing to ethical conduct. It also requires those in control to keep a clear line between personal and company funds. A company known for sound governance inspires confidence, and an active group of independent directors on its board goes a long way toward reassuring the market. Foreign institutional investors increasingly weigh governance when choosing where to invest, and strong governance tends to push up a company's share price. A clean governance record can also help firms raise capital at more reasonable costs. The author closes on a regretful note: corporate governance usually becomes a subject of discussion only after a large scam comes to light.
According to the passage, which of the following is/are the major benefit/benefits of good corporate governance?
1Good corporate governance leads to increase in share price of the company.
2A company with good corporate governance always increases its business turnover rapidly.
3Good corporate governance is the main criterion for foreign institutional investors when they decide to buy a company. UPSC CSAT 2013 www.iasbaba.com
Select the correct answer using the codes given below:
Child malnutrition occurs most commonly between the ages of six months and two years, even though a young child's food requirements are smaller than an older child's. It is usually blamed on poverty, yet the author shows poverty is not the decisive factor: in households where adults eat adequate quantities of food, more than half of the children under five still do not get enough to eat. The real driver, he argues, is that small children depend entirely on someone else to feed them — very often the mother is working, so feeding the young child is left to an older sibling, and the child is fed inadequately. The remedy he points to is awareness: it is crucial to increase understanding of what young children need to eat and how to satisfy those needs. Once the food needs of younger children are known, malnutrition can be reduced regardless of who does the feeding.
According to the passage, malnutrition in children can be reduced
Child malnutrition occurs most commonly between the ages of six months and two years, even though a young child's food requirements are smaller than an older child's. It is usually blamed on poverty, yet the author shows poverty is not the decisive factor: in households where adults eat adequate quantities of food, more than half of the children under five still do not get enough to eat. The real driver, he argues, is that small children depend entirely on someone else to feed them — very often the mother is working, so feeding the young child is left to an older sibling, and the child is fed inadequately. The remedy he points to is awareness: it is crucial to increase understanding of what young children need to eat and how to satisfy those needs. Once the food needs of younger children are known, malnutrition can be reduced regardless of who does the feeding.
According to the author, poverty is not the main cause of malnutrition, but the fact that
1taking care of younger ones is not a priority for working mothers.
2awareness of nutritional needs is not propagated by the Public Health authorities.
Select the correct answer using the code given below:
Empirical research finds that farmers are risk-averse, though only moderately so in many cases, and this shapes their decisions: they choose cropping patterns and inputs to reduce risk rather than to maximize income. To manage and cope with agricultural risks, they diversify crops and fields, take up non-farm employment, store stocks, migrate strategically as families, and lean on institutions such as share tenancy, kinship, extended families, and informal credit agencies. The difficulty is that the same shocks can strike a large number of farmers across a region, so informal risk-sharing has limits — studies find these traditional methods inadequate. That is why policy intervention is needed, especially measures that cut across geographical regions, with policies tackling risk either directly or indirectly. Direct risk-specific policies include crop insurance, price stabilization, and varieties resistant to pests and diseases, while indirect ones include irrigation, subsidized credit, and access to information. No single risk-specific policy, however, can reduce risk fully without side effects, whereas indirect policies only influence the general situation. The author singles out crop insurance as deserving careful consideration in India and other developing countries, where most farmers depend on rain-fed agriculture and yield variability is the main cause of income instability.
The need for policy intervention to mitigate risks in agriculture is because
Empirical research finds that farmers are risk-averse, though only moderately so in many cases, and this shapes their decisions: they choose cropping patterns and inputs to reduce risk rather than to maximize income. To manage and cope with agricultural risks, they diversify crops and fields, take up non-farm employment, store stocks, migrate strategically as families, and lean on institutions such as share tenancy, kinship, extended families, and informal credit agencies. The difficulty is that the same shocks can strike a large number of farmers across a region, so informal risk-sharing has limits — studies find these traditional methods inadequate. That is why policy intervention is needed, especially measures that cut across geographical regions, with policies tackling risk either directly or indirectly. Direct risk-specific policies include crop insurance, price stabilization, and varieties resistant to pests and diseases, while indirect ones include irrigation, subsidized credit, and access to information. No single risk-specific policy, however, can reduce risk fully without side effects, whereas indirect policies only influence the general situation. The author singles out crop insurance as deserving careful consideration in India and other developing countries, where most farmers depend on rain-fed agriculture and yield variability is the main cause of income instability.
Which of the following observations emerges from the above passage?
Four friends, A, B, C and D distribute some money among themselves in such a manner that A gets one less than B, C gets 5 more than D, D gets 3 more than B. Who gets the smallest amount?
The known forces of nature can be divided into four classes, viz., gravity, electromagnetism, weak nuclear force and strong nuclear force. With reference to them, which one of the following statements is not correct?
aGravity is the strongest of the four
bElectromagnetism acts only on particles with an electric charge
cWeak nuclear force causes radioactivity
dStrong nuclear force holds protons and neutrons inside the nucleus of an atom
The efforts to detect the existence of Higgs boson particle have become frequent news in the recent past. What is/are the importance/importances of discovering this particle?
1It will enable us to understand as to why elementary particles have mass.
2It will enable us in the near future to develop the technology of transferring matter from one point to another without traversing the physical space between them.
3It will enable us to create better fuels for nuclear mission.
Select the correct answer using the codes given below: (a) 1 only (b) 2 and 3 only (c) 1 and 3 only (d) 1, 2 and 3
The music director of a film wants to select four persons to work on "different aspects of the composition of a piece of music. Seven persons are available for this work; they are Rohit, Tanya, Shobha, Kaushal, Kunal, Mukesh and J aswant. Rohit and Tanya will not work together. Kunal and Shobha will not work together. Mukesh and Kunal want to work together. Which of the following is the most acceptable group .of people that can be selected by the music director?
aIn India, the same person cannot be appointed as Governor for two or more States at the same time.
bThe Judges of the High Court of the States in India are appointed by the Governor of the State just as the Judges of the Supreme Court are appointed by the President
cNo procedure has been laid down in the Constitution of India for the removal of a Governor from his/her post
dIn the case of a Union Territory having a legislative setup, the Chief Minister is appointed by the Lt. Governor on the basis of majority support
Geeta is older than her cousin Meena, Meena's brother Bipin is older than Geeta. When Meena and Bipin visit Geeta, they like to play chess. Meena wins the game more often than Geeta. Based on the above information, four conclusions, as given below, have been made. Which one of these logically follows from the information given above?
India's financial markets have acquired greater depth and liquidity over the years, and steady reforms since 1991 have linked the Indian economy and its financial system ever more tightly with the global economy. That integration transmits global shocks: weak worldwide growth prospects and continuing uncertainty in international financial markets have weighed on emerging market economies. Sovereign-risk concerns, particularly in the Euro area, unsettled markets for much of the year, with the contagion of Greece's sovereign debt problem reaching India and other economies through higher-than-normal volatility. Tight funding conditions abroad could also affect both the availability and the cost of foreign finance for banks and corporates. Since India's financial system is dominated by banks, their ability to withstand stress is critical to overall financial stability — and Indian banks stayed robust despite a decline in capital-to-risk-weighted-assets ratios and a rise in bad loans, with capital adequacy still above regulatory requirements and market infrastructure functioning without major disruption. With further globalization, consolidation, deregulation, and diversification ahead, banking may grow more complex and riskier, so risk and liquidity management — along with stronger skills — will assume even greater importance.
According to the passage, the financial markets in the emerging market economies including India had the adverse impact in recent years due to
1weak global economic prospects.
2uncertainties in the international financial markets.
3sovereign risk concerns in the Euro area.
4bad monsoons and the resultant crop loss.
Select the correct answer using the code given below:
India's financial markets have acquired greater depth and liquidity over the years, and steady reforms since 1991 have linked the Indian economy and its financial system ever more tightly with the global economy. That integration transmits global shocks: weak worldwide growth prospects and continuing uncertainty in international financial markets have weighed on emerging market economies. Sovereign-risk concerns, particularly in the Euro area, unsettled markets for much of the year, with the contagion of Greece's sovereign debt problem reaching India and other economies through higher-than-normal volatility. Tight funding conditions abroad could also affect both the availability and the cost of foreign finance for banks and corporates. Since India's financial system is dominated by banks, their ability to withstand stress is critical to overall financial stability — and Indian banks stayed robust despite a decline in capital-to-risk-weighted-assets ratios and a rise in bad loans, with capital adequacy still above regulatory requirements and market infrastructure functioning without major disruption. With further globalization, consolidation, deregulation, and diversification ahead, banking may grow more complex and riskier, so risk and liquidity management — along with stronger skills — will assume even greater importance.
The Indian financial markets are affected by global changes mainly due to the
India's financial markets have acquired greater depth and liquidity over the years, and steady reforms since 1991 have linked the Indian economy and its financial system ever more tightly with the global economy. That integration transmits global shocks: weak worldwide growth prospects and continuing uncertainty in international financial markets have weighed on emerging market economies. Sovereign-risk concerns, particularly in the Euro area, unsettled markets for much of the year, with the contagion of Greece's sovereign debt problem reaching India and other economies through higher-than-normal volatility. Tight funding conditions abroad could also affect both the availability and the cost of foreign finance for banks and corporates. Since India's financial system is dominated by banks, their ability to withstand stress is critical to overall financial stability — and Indian banks stayed robust despite a decline in capital-to-risk-weighted-assets ratios and a rise in bad loans, with capital adequacy still above regulatory requirements and market infrastructure functioning without major disruption. With further globalization, consolidation, deregulation, and diversification ahead, banking may grow more complex and riskier, so risk and liquidity management — along with stronger skills — will assume even greater importance.
According to the passage, in the Indian financial system, banks' ability to with stand stress is critical to ensure overall financial stability because Indian financial system is
The Chinese traveler Yuan Chwang (Hiuen Tsang) who visited India recorded the general conditions and culture of India at that time. In this context, which of the following statements is/are correct?
1The roads and river-routes were completely immune from robbery.
2As regards punishment for offences, ordeals by fire, water and poison were the instruments for determining the innocence or guilt of a person.
3The tradesmen had to pay duties at ferries and barrier stations.
Select the correct answer using the codes given below. (a) 1 only (b) 2 and 3 only (c) 1 and 3 only (d) 1, 2 and 3
India's financial markets have acquired greater depth and liquidity over the years, and steady reforms since 1991 have linked the Indian economy and its financial system ever more tightly with the global economy. That integration transmits global shocks: weak worldwide growth prospects and continuing uncertainty in international financial markets have weighed on emerging market economies. Sovereign-risk concerns, particularly in the Euro area, unsettled markets for much of the year, with the contagion of Greece's sovereign debt problem reaching India and other economies through higher-than-normal volatility. Tight funding conditions abroad could also affect both the availability and the cost of foreign finance for banks and corporates. Since India's financial system is dominated by banks, their ability to withstand stress is critical to overall financial stability — and Indian banks stayed robust despite a decline in capital-to-risk-weighted-assets ratios and a rise in bad loans, with capital adequacy still above regulatory requirements and market infrastructure functioning without major disruption. With further globalization, consolidation, deregulation, and diversification ahead, banking may grow more complex and riskier, so risk and liquidity management — along with stronger skills — will assume even greater importance.
Risk and liquidity management assumes more importance in the Indian banking system in future due to
1further globalization.
2more consolidation and deregulation of the financial system.
3further diversification of the financial system.
4more financial inclusion in the economy.
Select the correct answer using the code given below:
There are five hobby clubs in a college viz, photography, yachting, chess, electronics and gardening. The gardening group meets every second day, the electronics group meets every third day, the chess group meets every fourth day, the yachting group meets every fifth day and the photography group meets every sixth day. How many times do all the five groups meet on the same day within 180 days?
A, B, C, D and E belong to five different cities P, Q, R, Sand T (not necessarily in that order). Each one of them comes from a different city. Further it is given that:
1B and C do not belong to Q.
2B and E do not belong to P and R.
3A and C do not belong to R, Sand T.
4D and E do not belong to Q and T.
Which one of the following statements is not correct?
Seven men, A, B, C, D, E, F and G are standing in a queue in that order. Each one is wearing a cap of a different colour like violet, indigo, blue, green, yellow, orange and red. D is able to see in front of him green and blue, but not violet. E can see violet and yellow, but not red. G can see caps UPSC CSAT 2013 www.iasbaba.com of all colours other than orange. If E is wearing an indigo coloured cap, then the colour of the cap worn by F is
There are some balls of red, green and yellow colour lying on a table. There are as many red balls as there are yellow balls. There are twice as many yellow balls as there are green ones. The number of red balls
1An amendment to the Constitution of India can be initiated by an introduction of a bill in the Lok Sabha only.
2If such an amendment seeks to make changes in the federal character of the Constitution, the amendment also requires to be ratified by the legislature of all the States of India.
Which of the statements given above is/are correct? (a) 1 only (b) 2 only (c) Both 1 and 2 (d) Neither 1 nor 2
A thief running at 8 km/hr is chased by a policeman whose speed is 10 km/hr. If the thief is 100 m ahead of the policeman, then the time required for the policeman to catch the thief will be
A train travels at a certain average speed for a distance of 63 km and then travels a distance of 72 km at an average speed of 6 km/hr more than its original speed. If it takes 3 hours to complete the total journey, what is the original speed of the train in km/hr?
Which of the above are responsible for bringing dynamic changes on the surface of the earth? (a) 1, 2, 3 and 4 only (b) 1, 3, 5 and 6 only (c) 2, 4, 5 and 6 only (d) 1, 2, 3, 4, 5 and 6
You are the head of your office. There are certain houses reserved for the allotment to the office staff and you have been given the discretion to do so. A set of rules for the allotment of the houses has been laid down by you and has been made public. Your personal secretary, who is very close to you, comes to you and pleads that as his father is seriously ill, he should be given priority in allotment of a house. The office secretariat that examined the request as per the rules turns down the request and recommends the procedure to be followed according to the rules. You do UPSC CSAT 2013 www.iasbaba.com not want to annoy your personal secretary. In such circumstances, what would you do ?
While travelling in a Delhi-registered commercial taxi from Delhi to an adjacent city (another State), your taxi driver informs you that as he has no permit for running the taxi in that city, he will stop at its Transport Office and pay the prescribed fee of Rs. forty for a day. While paying the fee at the counter you find that the transport clerk is taking an extra fifty rupees for which no receipt is being given. You are in a hurry for your meeting. In such circumstances, what would you do?
Under the Scheduled Tribes and Other Traditional Forest Dwellers (Recognition of Forest Rights) Act, 2006, who shall be the authority to initiate the process for determining the nature and extent of individual or community forest rights or both?
aState Forest Department
bDistrict Collector/Deputy Commissioner
cTahsildar/Block Development Officer/Mandal Revenue Officer
A person lives in a far off village which is almost two hours by bus. The villager's neighbour is a very powerful landlord who is trying to occupy the poor villager's land by force. You are the District Magistrate and busy in a meeting called by a local Minister. The villager has come all the way, by bus and on foot, to see you and give an application seeking protection from the powerful landlord. The villager keeps on waiting outside the meeting hall for an hour. You come out of the meeting and are rushing to another meeting. The villager follows you to submit his application. What would you do?
Improper handling and storage of cereal grains and oilseeds result in the production of toxins known as aflatoxins which are not generally destroyed by normal cooking process. Aflatoxins are produced by
There is a shortage of sugar in your District where you are the District Magistrate. The Government has ordered that only a maximum amount of 30 kg sugar is to be released for wedding celebrations. A son of your close friend is getting married and your friend requests you to release at least 50 kg sugar for his son's wedding. He expresses annoyance when you tell him about the Government's restrictions on this matter. He feels that since you are the District Magistrate you can release any amount. You do not want to spoil your friendship with him. In such UPSC CSAT 2013 www.iasbaba.com circumstances, how would you deal with the situation?
You are in-charge of implementing the Family Planning programme in an area where there is a strong opposition to the present policy. You want to convince the residents of the need for keeping small families. What would be the best way of communicating this message?
Due to improper/indiscriminate disposal of old and used computers or their parts, which of the following are released into the environment as e-waste?
1Beryllium
2Cadmium
3Chromium
4Heptachlor
5Mercury
6Lead
7Plutonium
Select the correct answer using the codes given below: (a) 1, 3, 4, 6 and 7 only (b) 1, 2, 3, 5 and 6 only (c) 2, 4, 5 and 7 only (d) 1, 2, 3, 4, 5, 6 and 7
You are a teacher in a University and are setting a question paper on a particular subject. One of your colleagues, whose son is preparing for the examination on that subject, comes to you and informs you that it is his son's last chance to pass that examination and whether you could help him by indicating what questions are going to be in the examination. In the past, your colleague had helped you in another matter. Your colleague informs you that his son will suffer from depression if he fails in this examination. In such circumstances, what would you do?
Which of the following characterizes/characterize the people of Indus Civilization?
1They possessed great palaces and temples.
2They worshipped both male and female deities.
3They employed horse-drawn chariots in warfare.
Select the correct statement/statements using the codes given below: (a) 1 and 2 only (b) 2 only (c) 1, 2 and 3 (d) None of the statements given above is correct
Which one of the following terms describes not only the physical space occupied by an organism, but also its functional role in the community of organisms?
3Sodium Which of the minerals given above is/are required by human body for the contraction of muscles? (a) 1 only (b) 2 and 3 only (c) 1 and 3 only (d) 1, 2 and 3
