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English Questions – Cloze Test

Armed with the powers, a little over a month ago, to get lenders and defaulting borrowers to sit down and address the…(1)…symmetry task of cleaning up toxic bad debts, the Reserve Bank of India (RBI) has decided to crack the whip. The central bank’s decision to act on the advice of its Internal Advisory Committee and direct lenders to initiate…(2)…insolvency proceedings against 12 corporate borrowers — each owing in excess of ₹5,000 crore — has come not a day too soon. With gross non-performing assets (NPAs) at about ₹7 lakh crore, a regulatory…(3)…sustenance was…(4)…voluntary not only to safeguard the health of the banking system but also to ward off any wider impact on the economy. RBI Governor Urjit Patel…(5)…minimize the importance of tackling the bad loans problem as recently as during the June 6-7 meeting of the Monetary Policy Committee when he said: “The…(6)…quiescent investment cycle remains a key macroeconomic concern. It is, therefore, imperative to ensure resolution of stressed assets of banks and timely recapitalisation [of public sector lenders].” While the RBI has not…(7)…obscure the names of the defaulting dozen, reports suggest they are largely made up of steelmakers and infrastructure companies. That steel companies were among the worst-hit in the wake of the global…(8)…improvement in commodity prices and depressed demand in recent years is widely known; to that extent the sector’s presence in the list comes as no surprise.
The onus now shifts to the lender consortiums to…(9)…expedite the insolvency process under the new Insolvency and Bankruptcy Code (IBC). The enabling architecture is now in place to speedily bring a defaulting borrower’s operations under the purview of an insolvency professional, once the National Company Law Tribunal has accepted the creditors’ application for initiating insolvency proceedings against the debtor. But the actual time frame in which the resolution is going to occur remains to be seen, given that the IBC is still in its…(10)….dotage.

  1. 1) composition
    2) tidiness
    3) messy
    4) aligning
    5) No correction required.

    Answer & Explanation
    Answer – 3)
    Explanation: messy – untidy or dirty.
  2. 1) shield
    2) pride
    3) hoard
    4) paragon
    5) No correction required.

    Answer & Explanation
    Answer – 5) 
    Explanation: No correction required.
  3. 1) retreat
    2) intervention
    3) cloak
    4) shelter
    5) No correction required.

    Answer & Explanation
    Answer – 2)
    Explanation: intervention – the action or process of intervening.
  4. 1) skulk
    2) sneak
    3) imperative
    4)  lurk
    5) No correction required.

    Answer & Explanation
    Answer – 3)
    Explanation: imperative – of vital importance; crucial.
  5. 1) underscored
    2) harbor
    3) conquer
    4) disacknowledge
    5) No correction required.

    Answer & Explanation
    Answer – 1) 
    Explanation: underscored – underline (something).
  6. 1) caducity
    2) dissemble
    3) masquerade
    4) camouflage
    5) No correction required.

    Answer & Explanation
    Answer – 5) 
    Explanation: No correction required.
  7. 1) enshroud
    2) decrepitude
    3) divulged
    4) ensconce
    5) No correction required.

    Answer & Explanation
    Answer – 3)
    Explanation: divulged – make known (private or sensitive information).
  8. 1) betterment
    2) halt
    3) downturn
    4) feebleness
    5) No correction required.

    Answer & Explanation
    Answer – 3)
    Explanation: downturn – a decline in economic, business, or other activity.
  9. 1) block
    2) hinder
    3) senescence
    4) debility
    5) No correction required.

    Answer & Explanation
    Answer – 5)
    Explanation: No correction required.
  10. 1) geriatrics
    2) senility
    3) cease
    4) infancy
    5) No correction required.

    Answer & Explanation
    Answer – 4) 
    Explanation: infancy –

    the state or period of babyhood or early childhood.

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