Directions: Read the passage given below and answer the questions that follow by choosing the correct/most appropriate options.

AU Small Finance Bank Limited is an Indian Small Finance Bank, based in Jaipur, India. It was founded as vehicle finance company AU Financiers (India) Ltd. in 1996 and converted to a small finance bank on April 19, 2017.

AU Small Finance Bank serves low and middle-income individuals and micro and small businesses that have limited or no access to formal banking and finance channels. The Bank offers loans, deposits, and payment products and services. AU Small Finance Bank ranked 355 in the list of Fortune India 500 (2019) companies, with annual revenue of 3410.87 crore (US$427 million) and Total B/S Assets of 31198.68 crore (US$ 3.9 billion).

AU Bank enjoys a long-term credit rating of "AA-/Stable" from CRISIL Ratings, ICRA Ratings, India Ratings and CARE Ratings.

The company was founded by Sanjay Agarwal (Managing Director and CEO of AU Small Finance Bank) as a private limited company, and publicly listed in an IPO on June 29, 2017. A merit holder Chartered Accountant and a first-generation entrepreneur, he holds ~ 28.5% stake in the bank. He is supported by a team of 23486 employees.

AU Small Finance Bank is listed on NSE and BSE with a market capitalisation of ~ 37942 crore. On its first day of trading, the stock rose 51% to be the most expensive bank in India based on price-to-book. In November 2017, the Reserve Bank of India added the bank to its schedule of commercial banks, further improving the bank's growth prospects by reducing the cost of short-term funds and improving the bank's ability to provide services.

Over the years, the Bank has attracted marquee investors like IFC, Warburg Pincus, Temasek Holdings, Nomura, Kotak Mahindra MF, etc. Private equity companies that provided venture capital, including Warburg Pincus and International Finance Corporation, made partial exits for as much as nine times their original investment.

Due to its history as a vehicle finance company, as of March 2018 almost all the loans made by AU Small Finance Bank were secured, unlike most small finance banks that have unsecured loans due to their background in microfinance. This provides lower yields (lower interest rates) than unsecured loans, so the bank has been particularly active in growing its deposits, as bank deposits have a lower cost than other sources of funds. It has also sought to diversify into savings products like deposits, payment/transaction banking, distribution of third-party products, and additional loan products thereby positioning itself as a holistic financial products and services provider.

As on June 30, 2021, AU Small Finance Bank's distribution network............... 758 Banking Touchpoints and 23486 employees spread contiguously across 15 states and two Union Territories with over 2 million customers.

The bank has operations in 15 States and two Union Territories, with Rajasthan, Gujarat, Maharashtra, and Madhya Pradesh being key states. It is one of the largest banks by a number of locations in its home state of Rajasthan.

Choose the synonym of the word 'Improving'.

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The giraffe is the tallest land mammal alive, its long legs and neck contributing to its impressive stature. Males can be up to 18ft (5.5m tall), females a little less.

In the wild, these beautiful creatures stretch their necks beyond those of antelope, kudu and even elephants to strip leaves from the untouched upper reaches of trees. The French zoologist Jean-Baptiste Lamarck is usually credited as the first person to suggest that long necks have evolved in giraffes because they allow them to get to the parts other herbivores cannot reach.

As the giraffe lives "in places where the soil is nearly always arid and barren, it is obliged to browse on the leaves of trees and to make constant efforts to reach them," he wrote in his 1809 book ‘Philosophie Zoologique’. "From this habit long maintained in all its race, it has resulted that the animal's fore-legs have become longer than its hind legs, and that its neck is lengthened."

The English naturalist Charles Darwin also thought the giraffe's extraordinary legs and neck must have something to do with foraging. "The giraffe, by its lofty stature, much elongated neck, fore-legs, head and tongue, has its whole frame beautifully adapted for browsing on the higher branches of trees," he wrote in ‘On the Origin of Species’ in 1859. In short, giraffes' long necks are the result of generation upon generation of repeated stretching and inheritance.

During the dry season when feeding competition should be most intense giraffe generally feed from low shrubs, not tall trees. What's more, giraffes feed most often and faster with their necks bent

Male giraffes often fight for access to females, a ritual referred to as "necking". The rivals stand flank to flank, then start to whack each other with their heads. The top or back of the well-armoured skull is used as a club to strike the neck, chest, ribs, or legs of the opponent with a force capable of knocking a competitor off balance or unconscious. The largest males usually win these battles and do most of the breeding, says zoologist Anne Innis Dagg of the University of Waterloo in Ontario, Canada, who has been studying giraffes since the 1950s. "The other giraffes don't get much breeding opportunity." There is also evidence that females are more receptive to advances from larger males.

Giraffe’s feeding is faster when it feeds with its neck:

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The Celts who lived in Britain before the Roman invasion of 43 AD could be said to have created the first towns. Celts in southern England lived in hill forts, which were quite large settlements. (Some probably had thousands of inhabitants). They were places of trade, where people bought and sold goods and also places where craftsmen worked. The Romans called them oppida.

However, the Romans created the first settlements that were undoubtedly towns. Roman towns were usually laid out in a grid pattern. In the centre was the forum or market place. It was lined with public buildings. Life in Roman towns was highly civilized with public baths and temples.

From the 5th century Angles, Saxons and Jutes invaded England. At first, the invaders avoided living in towns. However, as trade grew some towns grew up. London revived by the 7th century (although the Saxon town was, at first, outside the walls of the old Roman town). Southampton was founded at the end of the 7th century. Hereford was founded in the 8th century. Furthermore, Ipswich grew up in the 8th century and York revived. However, towns were rare in Saxon England until the late 9th century. At that time, Alfred the Great created a network of fortified settlements across his kingdom called ‘burhs’. In the event of a Danish attack, men could gather in the local burh. However, burhs were more than forts. They were also market towns. Some burhs were started from scratch but many were created out of the ruins of old Roman towns. Places like Winchester rose, phoenix-like, from the ashes of history.

The thing that would strike us most about medieval towns would be their small size. Winchester, the capital of England, probably had about 8,000 people. At that time a 'large' town, like Lincoln or Dublin had about 4,000 or 5,000 inhabitants and a 'medium sized' town, like Colchester had about 2,500 people. Many towns were much smaller. However, during the 12th and 13th centuries most towns grew much larger. Furthermore, many new towns were created across Britain. Trade and commerce were increasing and there was a need for new towns. Some were created from existing villages but some were created from scratch. In those days you could create a town simply by starting a market. There were few shops so if you wished to buy or sell anything you had to go to a market. Once one was up and running, craftsmen and merchants would come to live in the area and a town would grow.

Alfred the Great created fortified settlements across his kingdom mainly because:

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The Indian Space Research Organisation (ISRO) announced another successful mission. ISRO chairman S. Somanath said that three small satellites successfully separated and were injected into orbit.

ISRO had launched three small satellites powered by its SSLV-D2 launch vehicle from Satish Dhawan Space Centre at Sriharikota on February 10, 2023 at 09:18 AM IST. The launch vehicle was carrying EOS-07, Janus-1 & AzaadiSAT-2 satellites and aimed to inject them into a 450 km circular orbit. The launch took place at the first launch pad at SDSC SHAR, Sriharikota.

The SSLV-D2 had to take a 15 minutes flight to inject EOS-07, Janus-1 and AzaadiSAT-2 satellites into 450 km circular lower orbit. “It is configured with three solid propulsion stages and a velocity terminal module. It is a 34 m tall, 2 m diameter vehicle having a lift-off mass of 120 t,” said ISRO. The EOS-07 satellite weighs 156.3 kg and is made by ISRO. About 13 minutes into its flight, the SSLV rocket ejected EOS-07 and soon after that the other two satellites Janus-1 and AzaadiSAT-2 were ejected — all at an altitude of 450 km, said ISRO.

With the new rocket in its portfolio, ISRO will have three rockets — Polar Satellite Launch Vehicle (PSLV) and its variants (cost about Rs 200 crore), Geosynchronous Satellite Launch Vehicle (GSLV-MkII cost about Rs 272 crore and LVM3 Rs 434 crore) and SSLV (Development cost of three rockets about Rs 56 crore each) and production cost may go down later.

“New experiments include mm-Wave Humidity Sounder and Spectrum Monitoring Payload. Janus-1, a 10.2 kg satellite belongs to ANTARIS, USA. A 8.7 kg satellite AzaadiSAT-2 is a combined effort of about 750 girl students across India guided by Space Kidz India, Chennai,” it added.

SSLV caters to the launch of up to 500 kg satellites to Low Earth Orbits on ‘launch-ondemand’ basis. “It provides low-cost access to Space, offers low turn-around time and flexibility in accommodating multiple satellites, and demands minimal launch infrastructure,” as per a statement by ISRO

Which satellite was injected into the orbit first?

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Total area sown under Rabi crops has increased by 3.25% from 697.98 lakh hectares in 2021-22 to 720.68 lakh hectares in 2022-23. This is 22.71 lakh hectares more this year compared to corresponding period of 2021-22. Comparing with normal sown area(average of the last five years), the increase is to the tune of 13.71% from 633.80 to 720.68 lakh hectares. The increase in area is across all crops, - highest being in rice. Out of 22.71 lakh hectares increase in all Rabi crops, increase in rice area is 11.20 lakh hectares from 35.05 lakh hectares in 2021-22 to 46.25 lakh hectares in 2022-23. However, this is lower than normal sown area of 47.71 lakh hectares. Maximum increase in area under rice is in states of Telangana and West Bengal.

Area under oilseeds increased by 7.31% from 102.36 lakh hectares during 2021-22 to 109.84 lakh hectares this year. The increase in area under oilseeds at the rate of 7.31% is more than double the rate of increase of 3.25% in all crops together. Rajasthan, Madhya Pradesh and Chhattisgarh accounted for major expansion in area of oilseeds. Rapeseed & Mustard contributed maximum in increasing oilseeds area during this Rabi season. Mustard area increased by 6.77 lakh hectares from 91.25 lakh hectares in 2021-22 to 98.02 lakh hectares in 2022-23. Thus, out of 7.49 lakh hectares increase in area under oilseeds, rapeseed & mustard alone accounted for 6.44 lakh hectares. Pulse production is being focused to make country self-sufficient in these commodities. Area under pulses increased by 0.56 lakh hectares from 167.31 to 167.86 lakh hectares. Mung bean and lentil accounted for increase in area under pulses.

The United Nations General Assembly has declared the year 2023 as the International Year of Millets and India is at the forefront in celebrating the event in a big way. In order to create awareness about the benefits of millets as superfood and to meet its growing demand around the world, the Government is promoting millet production through the NFSM-Nutri Cereals component of National Food Security Mission programme in 212 districts of 14 states. Coarse cum Nutri-cereals saw an increase of 2.08 lakh hectares in area under cultivation from 51.42 lakh hectares in 2021-22 to 53.49 lakh hectares in 2022-23.

On which of the following crops, is the Indian Government specially focussing this year?

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Santiniketan embodies Rabindranath Tagore’s vision of a place of learning that is unfettered by religious and regional barriers. Established in 1863 with the aim of helping education go beyond the confines of the classroom, Santiniketan grew into the Visva Bharati University in 1921, attracting some of the most creative minds in the country.

He developed a curriculum that was a unique blend of art, human values and cultural interchange. Even today, in every step, in every brick and in every tree at Santiniketan, one can still feel his presence, his passion, his dedication and his pride in the institution. In 1862, Maharishi Debendranath Tagore, father of Rabindranath, was taking a boat ride through Birbhum, the westernmost corner of Bengal, when he came across a landscape that struck him as the perfect place for meditation. He bought the large tract of land and built a small house and planted some saplings around it. Debendranath Tagore decided to call the place Santiniketan, or the ‘abode of peace’, because of the serenity it brought to his soul. In 1863, he turned it into a spiritual centre where people from all religions, castes and creeds came and participated in meditation.

In the years that followed, Debendranath’s son Rabindranath went on to become one of the most formidable literary forces India has ever produced. He wrote in all literary genres but he was first and foremost a poet. As one of the earliest educators to think in terms of the global village, he envisioned an education that was deeply rooted in one’s immediate surroundings but connected to the cultures of the wider world.

Located in the heart of nature, the school aimed to combine education with a sense of obligation towards the larger civic community. Blending the best of western and traditional eastern systems of education, the curriculum revolved organically around nature with classes being held in the open air. Tagore wanted his students to feel free despite being in the formal learning environment of a school, because he himself had dropped out of school when he found himself unable to think and felt claustrophobic within the four walls of a classroom. Nature walks and excursions were a part of the curriculum, special attention was paid to natural phenomena and students were encouraged to follow the life cycles of insects, birds and plants.

The rural paradise of Santiniketan, Tagore’s erstwhile home, has become a thriving centre of art, education and internationalism over the years.

Which of these statements about Santiniketan is NOT true?

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The stark observation made in the Economic Survey of 2015-16 that “Indian agriculture, is in a way, a victim of its own past success – especially the green revolution”, shows the dark reality of the agriculture sector at present and the havoc that has been wreaked by the green revolution.

The green revolution, which is often characterised by the introduction of high-yielding variety of seeds and fertilisers, undoubtedly increased the productivity of land considerably. But the growth in the productivity has been stagnant in recent years, resulting in a significant decline in the income of farmers. There have also been negative environmental effects in the form of depleting water table, emission of greenhouse gases, and the contamination of surface and ground water. Needless to say, the agriculture sector is in a state of distress, which is severely affecting peasants and marginal farmers, and urgent policy interventions are required to protect their interests.

The government has responded to the problem by constituting a panel, which will recommend ways to double the income of farmers by 2022. While this may be an overtly ambitious target, if we want to boost stagnated agricultural growth a shift has to be made from food security of the nation to income security of the farmers. However, there are many hurdles that have to be crossed if we want to achieve this objective.

The first major barrier to overcome is declining productivity. Data from 2013 reveals that India’s average yield of cereal per hectare is far less than that of many countries (including several low income countries), but the difference is huge when compared to China. For instance, our average yield per hectare is 39% below than that of China and for rice this figure is 46%. Even Bangladesh, Vietnam and Indonesia fare better than India in case of rice yield. Further, there is a huge inter-regional variation; the wheat and rice yield from Haryana and Punjab is much higher than from the other states.

In order to cross the declining productivity barrier there is a need to herald a rainbow revolution by making a shift from wheat-rice cycle to other cereals and pulses. Since wheat and rice coupled with other crops are backed by minimum support prices (MSP) and input subsidy (whether water, fertiliser or power) regime, there is a huge incentive for the farmers in the irrigated region of Northwest India to grow these crops.

Which statement is NOT true according to the passage?High yielding seeds 

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Chanhudaro was a tiny settlement (less than 7 hectares) as compared to Mohenjodaro (125 hectares), almost exclusively devoted to craft production, including bead-making, shellcutting, metal-working, seal-making and weight-making. The variety of materials used to make beads is remarkable: stones like carnelian (of a beautiful red colour), jasper, crystal, quartz and steatite; metals like copper, bronze and gold; and shell, faience and terracotta or burnt clay. Some beads were made of two or more stones, cemented together, some of stone with gold caps. The shapes were numerous – disc shaped, cylindrical, spherical, barrel-shaped, segmented. Some were decorated by incising or painting, and some had designs etched onto them.

Techniques for making beads differed according to the material. Steatite, a very soft stone, was easily worked. Some beads were moulded out of a paste made with steatite powder. This permitted making a variety of shapes, unlike the geometrical forms made out of harder stones. How the steatite micro bead was made remains a puzzle for archaeologists studying ancient technology. Archaeologists’ experiments have revealed that the red colour of carnelian was obtained by firing the yellowish raw material and beads at various stages of production. Nodules were chipped into rough shapes, and then finely flaked into the final form. Grinding, polishing and finally drilling completed the process. Specialised drills have been found at Chanhudaro, Lothal and more recently at Dholavira. Nageshwar and Balakot, both settlements are near the coast. These were specialised centres for making shell objects – including bangles, ladles and inlay – which were taken to other settlements. Similarly, it is likely that finished products (such as beads) from Chanhudaro and Lothal were taken to the large urban centres such as Mohenjodaro and Harappa.

According to the text, which of these crafts was Not practisedin Chanhudaro?