|S.No.||Name of Test
(NOT BY SEQUENCE)
|Time Allotted for Each
Test (Separately Timed)
|1||Reasoning & Computer Aptitude||45||60||English & Hindi||60 minutes|
|2||General/Economy/Banking Awareness||40||40||English & Hindi||35 minutes|
|3||English Language||35||40||English||40 minutes|
|4||Data Analysis and Interpretation||35||60||English & Hindi||45 minutes|
(Letter Writing & Essay)
The English Language(Descriptive Test- Letter Writing & Essay) section, constituting of 2 questions and a maximum marks of 25. The Descriptive Test is primarily devised to evaluate the writing skills of the candidates and their knowledge on the essay topic. A candidate is required to write an essay and a letter in a time duration of 30 minutes. The Descriptive test will be administered directly after the Main Objective Exam. The candidates will have about 15 minutes for the essay and 15 minutes for the letter. The candidates will have to type the Essay and Letter directly on to the computer. Thus, proficiency with computers and typing would be an added advantage.
3/8 Loha Ghat
3rd lane Uttarakhand, Nainital
24 July, 2017
How are you? I hope you are fine. In the last letter I have received from you, had asked me about what career will I choose? I am writing this letter to tell you about the career I want to choose.
I want to choose my career in the banking sector because nowadays the demand for this type of job is increasing. It is a job authorized by the government and it is a secure job. I want to choose banking as my career because of the good salary and other facilities like a low rate of interest on the loans, medical benefits, pension benefits.
Banking job is stable and if I join the banking sector then I can work for 60 years with out any insecurity. I will be promoted to higher ranks by internal exams. As you know that I like the challenging role so I want to join the bank as the job here is very challenging due to the improvement in techniques. Banking sector accepts all the types of employees coming from any background like law, postgraduate, engineering, finance, and others. The banking sector has a fixed timing for working which will help me to spend my time with my family and friends. As I am a commerce student it will become easy for me to handle the banking sector jobs. Due to the relevant growth in this sector, I want to choose to bank as my profession in future.
This is my personal decision and this has been my dream. I hope that you will be elated with my decision for choosing banking as my career. I am eagerly waiting for your reply and hope that you will also accept my decision with great honor. Stay safe and happy.
With affection and love.
Your loving brother,
Mr K. K. Dahiya
Director (Personnel) – South Delhi Municipal Corporation (SDMC)
Palika Bazar, Connaught Place
New Delhi, Delhi -110056
SUBJECT: POOR CONDITION OF ROADS AND LACK OF STREET LIGHTS IN ASHOK VIHAR
I, am a resident of Ashok Vihar. This letter is to draw the attention of the SDMC to the pathetic condition of roads in Ashok Vihar. The stretch between sector 64 and sector 125 has been in a very poor state since the last 6 months. This stretch, which is one of the busiest roads in New Delhi, also lacks street lighting.
The onset of the monsoon has only worsened the situation. There are huge potholes on this road which along with zero maintenance of this stretch leads to huge traffic jams during the peak hours. Needless to say, the damage it causes to the vehicles plying on this road is costing the citizens heavily. Almost every other day, a vehicle is punctured or dented or it gets stuck. Lack of proper lighting only adds to the misery of the people. The number of accidents occurring here has also gone up significantly.
Further, it has become very difficult for the pedestrians to walk along this road due to the fact that the vehicles including company buses, cabs and cars tend to avoid the potholes and drive along the sides of the roads, where pedestrians tend to walk because of the lack of proper footpaths.
These conditions have caused a lot of inconvenience to the residents of this area as well as commuters.
Keeping the above in view, I hope that the SDMC will initiate expeditious steps to ensure the repairing of this road with proper lighting.
2. Expected Formal Letter Writing Questions in IBPS PO 2017 – Descriptive Test.
3. Expected Informal Letter Writing Questions in IBPS PO 2017 – Descriptive Test.
Sample – Descriptive Test – Essay Writing – IBPS PO – Main Examination:
In layman’s terms, entrepreneurship is basically running your own business. The person who has an idea, and who executes this idea and makes sure that it functions smoothly is called an entrepreneur. Entrepreneurs can also helm a business and make sure it runs smoothly. Some of the most famous women entrepreneurs in India are Chanda Kocchar, (MD and CEO, ICICI Bank), Simone Tata (Chairperson, Trent Limited), Neelam Dhawan (MD, HP-India), Naina Lal Kidwai (Country Head- HSBC Bank), and Kiran Mazumdar Shaw (Chairman and MD, Biocon).
The rapid strides that these women have taken over the past few decades have shown us the caliber that all women inherently possess. Indian women are coming out from the daily routine of their lives inside the doors of their houses. Multitasking women all over the country balance their work, home, and family perfectly. Family members too are helping out and supporting women to achieve successful careers.
If all women decide to explore themselves and not limit their lives to certain jobs, then each one of them can become a successful entrepreneur, working by their own rules and contently living their own life. Indian women can achieve this dream and in the coming decades, women will do brilliantly in so-called ‘male-domains’ as well.
The doughnut is never split into half. Men get a larger share of the pie even today. Why this discrimination? Why this bias? Will my neighbor’s son subdue my daughter forever? Will she not get an equal opportunity to access basic amenities like access to healthcare or education? Will she not get an equal pay for her work? Will her voice never be heard?
Curses of bearing the female (XX) chromosome.
The crux of various inhuman acts like female foeticide, harassment for dowry, molestation, rape, and abuse is the act of gender discrimination. Women are still considered the weaker sex. Some men still consider women to be a mere toy to play with. Why is the voice of the XX chromosome bearer never heard?
Gender equality persists worldwide. Power imbalances in gender relations in several nooks and corners of the world suggest that gender equality and sustainable development have to go hand in hand. Great social reformers and visionary have iterated that women be given equal opportunities and have shunned the gender stereotypes.
Is your daughter safe? Does she have the right to education? Does she have the right to equal pay? Is she saved from the clutches of discrimination? Is she saved from the violence of the stronger sex?
Has Gender Inequality penetrated into our socio-fabric culture?
Gender is a part of the broader socio-cultural context. The social fabric of the system has been corrupted with invisible boundaries created by man. The ethnicity of an individual is decided on the basis of a line drawn to separate geographies, creating different opportunities for different individuals striking an imbalance. Boundaries are made to ensure effective governance, not discrimination. Similarly, gender is nature’s way of ensuring the continuation of a species. It cannot be the basis of differentiation in opportunities. And it is this basic principle that needs to be ingrained into the social fabric to eradicate discrimination and ensure sustainable development.
Women have been trying to climb this invisible fence of barriers and discrimination and gain justice for centuries. These movements have happened in various pockets of the world at different times. These fights for equality have often been subdued with violence. But each act of discrimination acts as a catalyst and triggers the fight for justice. But the fight for gender equality is not a battle for the women alone, it is a battle where the men have to participate and contribute equally.
Let’s take India as an example. It is a land which practiced site where the woman jumped into the burning pyre of her dead husband (mostly out of force). Child marriage was common and widow remarriage a taboo. Giving birth to a girl child meant additional expenses for her wedding. Giving birth to a girl child meant there were no additional hands to help in increasing the household income. The respect and social status were linked to the protection and chastity of the women. However, I am proud to say that education is cleansing the mindset of the people. Sati has been abolished and the rate of female foeticide has reduced. There is a lot more to do, but yes, a lot has been done.
What can I do to propagate Gender Equality?
Gender inequality can be addressed by adopting strict laws which have to be implemented and practiced. It can also be practiced by educating the people. To make it sustainable, this practice has to begin at home. Research confirms that educating a girl child is more beneficial since she will spread the flames of knowledge to her surroundings. Gender equality can be practiced at your workplace to strike an equilibrium of balance. Gender equality can also be practiced by encouraging the women around you to take a stance for themselves. These baby steps can ensure we eradicate issues arising out of gender discrimination to create a better future for our children.
It has been a trend that China usually initiates any advancement in the Indian territory. Consider the first Indo-Sino war where the Chinese troops defeated Indian troops and advanced almost 48 kilometers into the Assam plains. The case with the next war is similar wherein the Chinese troops on the Sikkim border opened fire on a detachment of Indian soldiers. This war was initiated over the conflict of the territory of Sikkim region.
The recent Indo-Sino stand-off was an outcome of a long-running dispute regarding the borders of each nation. The Chinese held ground on the claim that India was violating their old treaty which was signed off by Jawaharla Nehru in 1959. The treaty defined the borders between India, Sikkim and China. These borders were defined based on the estimated coordinates. However, China noticed that India was holding control over an additional area than what was allowed in the Indian territory by the treaty. This additional area was connected to the Bhutan borders in the form of a tri-junction which led to China’s military actions on those borders out of fear.
The stand-off witnessed the military forces of both the nations to get the reins of the region in their hand. The Chinese troops demanded the withdrawal of Indian troops from the soil they were occupying in Bhutan. They claimed that the land belonged to them as per the treaty while Bhutan and India held their stand and claimed that the area in question was in the Bhutanese territory and belonged to them. In the initial weeks, Chinese troops advanced to a great extent. This led to Bhutan, a nation with close military and economic ties with India, to request Indian troops to support.
The struggle saw Indian troops supporting Bhutan in order to stop the Chinese troops from advancing into Bhutan’s territory. The major takeaway for Indian troops here was the prevention of infiltration of Chinese troops in the Indian territory. The troops stationed at Doka La province in Bhutan popularly claimed by India to be Doklam, a part of Indian territory. There were occasional clashes. The face-off continued for around 22 days post which they managed to agree diplomatically over the territory. The troops were ultimately withdrawn without conceding any ground on either side. However, the analysts foresee another stand-off to happen in the future and call this to be a temporary stand-off. It is a fact that the troops were withdrawn only on mutual terms between the two governments to put an end to the dispute. The world has been a witness, China repeatedly indulges into breaking the agreed terms and tries to infiltrate its troops into Indian territory. Thus, although the Indo-Sino face-off was called off based on a mutual disengagement, there are definite chances of it happening once again.
Advantages Of Using Mobile Wallets
1. Easy to send and receive
The top motivator of using mobile wallets is the ease of conducting the financial transactions as you don’t need cash, cards, or even queue up for ATM withdrawals, but just your phone. Moreover, it is a safe and easy option at tours and emergencies.
Some mobile wallets provide cashback offers and discounts when paying for fuel tickets, highway toll, etc. as an effective way to promote digital transactions. Additionally, such wallets may also offer the reward points and loyalty benefits on existing credit and store cards.
3. Tracking spends
All the transactions made by the mobile wallet are on record, so you can track your spending. Additionally, it is easy to explain your spends when filing income tax returns.
4. Budget discipline
Usually, people spend their money according to a certain pattern as they most often have the mobile wallets will record your spendings which will help you to analyse your spending patterns and throw up good insights over a couple of years.
5. Lower risk
If your cash are stolen, you can’t get them back; however, if your mobile wallet is stolen, you can easily block it remotely. Hence, the digital option offers limited security, especially if you are travelling.
6. No worries
You can pay any amount of money without being worry whether or not you have change.
With all the above advantages, let’s look for some disadvantages…
Drawbacks of Mobile Wallets
There are few disadvantages of using mobile wallets like:
1. Higher risk of identity theft
Let’s be serious, even the well- educated people are not attuned to digital transactions, so there is a big chance of falling into phishing traps of online frauds. Additionally, there is no stringent legal process to deal with this kind or scale of fraud.
2. Losing your phone
Making transactions using your mobile wallet depend completely on the phone, so losing it will be such a disaster. As a result, it can make you susceptible to identity theft as well as helpless in the absence of physical cash and other payment options. The loss of your phone will be worst if you are travelling abroad.
2. Dying Battery
Additionally, you have to keep your battery constantly charged, especially if you are doing an important purchase or dealing with an emergency.
3. Difficult for tech-unsavvy
Some of the older people are not familiar with technologies and applications, so they will have a problem if they can’t download an app or don’t have cash.
Mobile wallets are now used by more than 70% of Indians, and statistics show that transactions such as Mobile Wallets will have positive effects on the Indian society and financials.
Opening bank accounts and other innovative banking inclusion measures have already been rolled out. It is well understood that technology will play a pivotal role in this endeavor of the government. Launched in January 2016 by National Payments Corporation of India – Unified Payments Interface (UPI) has made internet-based transactions as easy as texting a message. No less than a revolution in many aspects, UPI is considered as one of the most updated public payment gateways in the world. This initiative has the backing and support of Reserve Bank of India (RBI) & Indian Banks Association (IBA).
In simple terms, UPI will provide a unique id for the user with the help of which the customer can transfer money using a smartphone. It will allow the customer to make payments, transfer and receive the amount from his bank account to any merchant or individual. It will be a hassle free transaction possible in both online and offline modes. Passwords, IFSC Code or card details are not required. One can look at this payment gateway as an advanced version of IMPS (Immediate Payments Service).
As of now, approximately 29 banks have started to offer UPI service. UPI aims to do away with the cumbersome process of doing transactions online alongside making it as user-friendly as possible even for the layman. One can download the UPI App from the App Store or the bank’s website. Register yourself, generate the M-PIN and you are ready.
No doubt, UPI will play a vital role in making India surge towards a cashless economy. However, many hurdles are to be crossed, and unanswered questions need viable solutions. Apart from bringing a vast majority of the population in the banking net, the point of sales, which will accept payment through this mode, also need to be increased drastically. Another primary concern is that approximately eight to ninety percent of the total workforce works in the unorganized sector. To take this sector towards the cashless mode will be a mammoth task.
The government and its agencies need a sustained commitment towards this cause as it is bound to take a lot of time. The transition towards the cashless economy will be slow and incentivize cashless transactions will provide the much-needed impetus. The objective should be to reduce the dependence on cash gradually, in various transactions and bring in transparency in the financial system.