This is the Vocab24 daily quiz of 15 October 2025, the same 30 questions the app served that day, on the day's vocabulary and editorial. One mark for a right answer, minus 0.25 for a wrong one; the explanation opens as soon as you tap.
Out of the given alternatives select the alternative which best expresses the meaning of given word.
Allude
Out of the given alternatives select the alternative which best expresses the meaning of given word.
Candor
Out of the given alternatives select the alternative which best expresses the meaning of given word.
Fleeting
Out of the given alternatives select the alternative which best expresses the meaning of given word.
Loathe
Out of the given alternatives select the word opposite in meaning to the given word.
Peruse
Out of the given alternatives select the word opposite in meaning to the given word.
Anfractuous
Out of the given alternatives select the word opposite in meaning to the given word.
Comity
Out of the given alternatives select the word opposite in meaning to the given word.
Exiguous
Out of given alternatives, choose the word which can be substituted for the given words/ sentence.
The quality of being open, honest, and sincere in expression.
Out of given alternatives, choose the word which can be substituted for the given words/ sentence.
To read or examine something carefully and thoroughly.
Out of given alternatives, choose the word which can be substituted for the given words/ sentence.
Full of twists and turns; winding or complicated.
Out of given alternatives, choose the word which can be substituted for the given words/ sentence.
Expressing or conveying a threat; menacing.
A statement with one blank is given below. Choose the set of words from the given options which can be used to fill the given blank.
That woman, ____ you saw, was my auntie.
Explanation: 'Who' functions as a subject, while 'whom' functions as an object. Use 'who' when the word is performing the action. Use 'whom' when it is receiving the action.
A statement with one blank is given below. Choose the set of words from the given options which can be used to fill the given blank.
He always talks ____ secularism.
Explanation: 'talks about' means to say words in order to express one's thoughts, feelings, opinions, etc. about (something). <br> For example - She still talks about your wedding and how perfect it was.
A statement with one blank is given below. Choose the set of words from the given options which can be used to fill the given blank.
At the moment she ____ a letter to a client.
Explanation: 'At the moment' clearly indicates the sentence is in present continuous and therefore 'is writing' will be the correct answer.
Out of given alternatives select the option which best expresses the meaning of given idiom/ phrase.
His friends advised him to be fair and square in his dealings.
Explanation: Fair and square: honestly and straightforwardly.
Out of given alternatives select the option which best expresses the meaning of given idiom/ phrase.
It is high time that India did something about the population problem.
Explanation: High time: past the time when something should have happened.
Out of given alternatives select the option which best expresses the meaning of given idiom/ phrase.
He is always standing up for the weak and oppressed.
Explanation: Standing up: (of an argument, claim, evidence, etc.) remain valid after close scrutiny (critical observation or examination) or analysis.
Out of given alternatives select the word which is correctly spelt.
Choose the correct spelling.
Out of given alternatives select the word which is correctly spelt.
Choose the correct spelling.
Out of given alternatives select the word which is correctly spelt.
Choose the correct spelling.
Out of given alternatives select the word which is correctly spelt.
Choose the correct spelling.
Which of phrases given below each sentence should replace the phrase printed in bold type to make the grammatically correct? If the sentence is correct as it is, mark 'd' as the answer.
A man who is elected twice unconsted (a)/ is a man whose character (b)/ is firmly establish (c)/ No error (d)
Explanation: is firmly established
Which of phrases given below each sentence should replace the phrase printed in bold type to make the grammatically correct? If the sentence is correct as it is, mark 'd' as the answer.
If any one happens (a)/ to call while I am out of (b)/ the work spot, please , have them leave a message for me (c)/ No error (d)
Explanation: have him
Which of phrases given below each sentence should replace the phrase printed in bold type to make the grammatically correct? If the sentence is correct as it is, mark 'd' as the answer.
I wish he wasn't so lazy he (a)/ he would find learning music (b)/ easier and more interestion (c)/ No error (d)
Explanation: he were not so lazy
Directions: Read the following passage and answer the questions given below it in the context of the passage. Some words in the passage are printed in bold to help you locate them while answering some of the questions. <br><br> If bank nationalisation of Prime Minister Indira Gandhi symbolised the political thought of that time, a clean-up and a gradual withdrawal of state from managing banks may well be the mark that Narendra Modi could leave behind. <br><br> Four decades of state-directed lending has come full circle - from the idea of making credit available to the poor which was not possible when rich businessmen controlled banks, to crooked entrepreneurs gaming the system, breaking banks and leaving the bill for the taxpayers to pay. <br><br> Matters have come to such a head that the Reserve Bank of India Governor Raghuram Rajan's zeal to clear the mess that's hobbling the economy by March 2017 has divided the house in the middle. His surgery may either bring Indian banking back to life, or push it into coma. In fact, some feel that he is behind the curve in administering the medicine. <br><br> 'There are a lot more companies that should be declared NPAs but have not yet been declared NPAs,' says Neelkanth Mishra, strategist at Credit Suisse. 'Companies have operating profits which are much lower than what are needed to cover their interest, which means that they are still getting loans from banks to service their interest and keep their loans alive. So, we think that the RBI has not been stringent enough.' <br><br> It is grim - the stressed assets of banks are at 11.3%, which means that the capital they have is not enough to cover the loss of value of their assets. Investors don't believe the value that banks are assigning to assets so their shares are trading at lower than their book value. <br><br> What's the way out? Banks can keep funding the poorly structured assets and wait for the economy to gather momentum to get their money back, or recognise the loss of value and find another manager to run the company better and recover their dues. 'Our option, when we look at stressed loans, is either carry them as a zombie, pretend and lend, or accept surgery. If we have a structural solution of capacity creation then the second is better. Otherwise, we are down the path of first,' said Uday Kotak, vice-chairman of Kotak Mahindra Bank. <br><br> International experience shows that when the bad-loan recognitions are postponed banks lose their ability to fund an economic revival - as it happened in Japan with 'zombies' after the 1989 crash. And the other is like Sweden, or the US, where asset values are written down, new buyers found, and additional capital is invested. Furthermore, if banks are laden with bad assets, their ability to lend is crippled as they focus on recovery of loans and some even gamble away to compensate for the losses. <br><br> 'There are two approaches that zombie bank managers take as they struggle to bring their institutions back to life,' writes Yalman Onaran in 'Zombie Banks'. 'They'll hoard cash and give a few new risky loans, and wait for the slow profit-building to pay for the losses overtime. Or they will take much bigger risks with the hope that they can make windfall profits to plug the holes.' <br><br> State-run banks' reluctance to lend is reflected in the credit numbers. Government banks' credit growth slowed to 6.7% December last, from 19.1% in the same month in 2013 while private sector banks' credit growth accelerated to 20.5% in the same period from 16%.<br><br> Governor's advocacy of surgery may appear to be an option, but it comes with some immediate costs. Banks are reporting record losses and are on course to record more in the coming quarters as they race to complete the exercise by March 2017. The Indian industry, which is not used to this kind of shock treatment, is resisting it. Bankers say public perception is turning adverse. <br><br> The RBI says the 'recognition of NPAs was the anaesthetic needed for the surgery,' says Deepak Parekh, chairman of HDFC. 'I only wish to caution that too much of anaesthesia can also result in a patient becoming comatose!
What happens when the bed-loan recognitions are postponed?
Directions: Read the following passage and answer the questions given below it in the context of the passage. Some words in the passage are printed in bold to help you locate them while answering some of the questions. <br><br> If bank nationalisation of Prime Minister Indira Gandhi symbolised the political thought of that time, a clean-up and a gradual withdrawal of state from managing banks may well be the mark that Narendra Modi could leave behind. <br><br> Four decades of state-directed lending has come full circle - from the idea of making credit available to the poor which was not possible when rich businessmen controlled banks, to crooked entrepreneurs gaming the system, breaking banks and leaving the bill for the taxpayers to pay. <br><br> Matters have come to such a head that the Reserve Bank of India Governor Raghuram Rajan's zeal to clear the mess that's hobbling the economy by March 2017 has divided the house in the middle. His surgery may either bring Indian banking back to life, or push it into coma. In fact, some feel that he is behind the curve in administering the medicine. <br><br> 'There are a lot more companies that should be declared NPAs but have not yet been declared NPAs,' says Neelkanth Mishra, strategist at Credit Suisse. 'Companies have operating profits which are much lower than what are needed to cover their interest, which means that they are still getting loans from banks to service their interest and keep their loans alive. So, we think that the RBI has not been stringent enough.' <br><br> It is grim - the stressed assets of banks are at 11.3%, which means that the capital they have is not enough to cover the loss of value of their assets. Investors don't believe the value that banks are assigning to assets so their shares are trading at lower than their book value. <br><br> What's the way out? Banks can keep funding the poorly structured assets and wait for the economy to gather momentum to get their money back, or recognise the loss of value and find another manager to run the company better and recover their dues. 'Our option, when we look at stressed loans, is either carry them as a zombie, pretend and lend, or accept surgery. If we have a structural solution of capacity creation then the second is better. Otherwise, we are down the path of first,' said Uday Kotak, vice-chairman of Kotak Mahindra Bank. <br><br> International experience shows that when the bad-loan recognitions are postponed banks lose their ability to fund an economic revival - as it happened in Japan with 'zombies' after the 1989 crash. And the other is like Sweden, or the US, where asset values are written down, new buyers found, and additional capital is invested. Furthermore, if banks are laden with bad assets, their ability to lend is crippled as they focus on recovery of loans and some even gamble away to compensate for the losses. <br><br> 'There are two approaches that zombie bank managers take as they struggle to bring their institutions back to life,' writes Yalman Onaran in 'Zombie Banks'. 'They'll hoard cash and give a few new risky loans, and wait for the slow profit-building to pay for the losses overtime. Or they will take much bigger risks with the hope that they can make windfall profits to plug the holes.' <br><br> State-run banks' reluctance to lend is reflected in the credit numbers. Government banks' credit growth slowed to 6.7% December last, from 19.1% in the same month in 2013 while private sector banks' credit growth accelerated to 20.5% in the same period from 16%.<br><br> Governor's advocacy of surgery may appear to be an option, but it comes with some immediate costs. Banks are reporting record losses and are on course to record more in the coming quarters as they race to complete the exercise by March 2017. The Indian industry, which is not used to this kind of shock treatment, is resisting it. Bankers say public perception is turning adverse. <br><br> The RBI says the 'recognition of NPAs was the anaesthetic needed for the surgery,' says Deepak Parekh, chairman of HDFC. 'I only wish to caution that too much of anaesthesia can also result in a patient becoming comatose!
What is/are the probable outcome(s) of the RBI Governor Raghuram Rajan's zeal to clear the mess that is retarding the movement of economy by March 2017? <br> 1. His move will push the banking business in a quandary. <br> 2. His action will bring Indian banking back to life. <br> 3. His action will raise confidence in FIIs.
Directions: Read the following passage and answer the questions given below it in the context of the passage. Some words in the passage are printed in bold to help you locate them while answering some of the questions. <br><br> If bank nationalisation of Prime Minister Indira Gandhi symbolised the political thought of that time, a clean-up and a gradual withdrawal of state from managing banks may well be the mark that Narendra Modi could leave behind. <br><br> Four decades of state-directed lending has come full circle - from the idea of making credit available to the poor which was not possible when rich businessmen controlled banks, to crooked entrepreneurs gaming the system, breaking banks and leaving the bill for the taxpayers to pay. <br><br> Matters have come to such a head that the Reserve Bank of India Governor Raghuram Rajan's zeal to clear the mess that's hobbling the economy by March 2017 has divided the house in the middle. His surgery may either bring Indian banking back to life, or push it into coma. In fact, some feel that he is behind the curve in administering the medicine. <br><br> 'There are a lot more companies that should be declared NPAs but have not yet been declared NPAs,' says Neelkanth Mishra, strategist at Credit Suisse. 'Companies have operating profits which are much lower than what are needed to cover their interest, which means that they are still getting loans from banks to service their interest and keep their loans alive. So, we think that the RBI has not been stringent enough.' <br><br> It is grim - the stressed assets of banks are at 11.3%, which means that the capital they have is not enough to cover the loss of value of their assets. Investors don't believe the value that banks are assigning to assets so their shares are trading at lower than their book value. <br><br> What's the way out? Banks can keep funding the poorly structured assets and wait for the economy to gather momentum to get their money back, or recognise the loss of value and find another manager to run the company better and recover their dues. 'Our option, when we look at stressed loans, is either carry them as a zombie, pretend and lend, or accept surgery. If we have a structural solution of capacity creation then the second is better. Otherwise, we are down the path of first,' said Uday Kotak, vice-chairman of Kotak Mahindra Bank. <br><br> International experience shows that when the bad-loan recognitions are postponed banks lose their ability to fund an economic revival - as it happened in Japan with 'zombies' after the 1989 crash. And the other is like Sweden, or the US, where asset values are written down, new buyers found, and additional capital is invested. Furthermore, if banks are laden with bad assets, their ability to lend is crippled as they focus on recovery of loans and some even gamble away to compensate for the losses. <br><br> 'There are two approaches that zombie bank managers take as they struggle to bring their institutions back to life,' writes Yalman Onaran in 'Zombie Banks'. 'They'll hoard cash and give a few new risky loans, and wait for the slow profit-building to pay for the losses overtime. Or they will take much bigger risks with the hope that they can make windfall profits to plug the holes.' <br><br> State-run banks' reluctance to lend is reflected in the credit numbers. Government banks' credit growth slowed to 6.7% December last, from 19.1% in the same month in 2013 while private sector banks' credit growth accelerated to 20.5% in the same period from 16%.<br><br> Governor's advocacy of surgery may appear to be an option, but it comes with some immediate costs. Banks are reporting record losses and are on course to record more in the coming quarters as they race to complete the exercise by March 2017. The Indian industry, which is not used to this kind of shock treatment, is resisting it. Bankers say public perception is turning adverse. <br><br> The RBI says the 'recognition of NPAs was the anaesthetic needed for the surgery,' says Deepak Parekh, chairman of HDFC. 'I only wish to caution that too much of anaesthesia can also result in a patient becoming comatose!
What approach will the zombie bank manager take to bring their institutions back to life? <br> 1. They will ask the World Bank and IMF to sanction the required amount of loan to plug the holes. <br> 2. They will take much bigger risks with the hope that they can make money to plug the holes. <br> 3. They will hoard cash and give a few new risky loans and wait for the slow profit building to pay for the losses overtime.
Directions: Read the following passage and answer the questions given below it in the context of the passage. Some words in the passage are printed in bold to help you locate them while answering some of the questions. <br><br> If bank nationalisation of Prime Minister Indira Gandhi symbolised the political thought of that time, a clean-up and a gradual withdrawal of state from managing banks may well be the mark that Narendra Modi could leave behind. <br><br> Four decades of state-directed lending has come full circle - from the idea of making credit available to the poor which was not possible when rich businessmen controlled banks, to crooked entrepreneurs gaming the system, breaking banks and leaving the bill for the taxpayers to pay. <br><br> Matters have come to such a head that the Reserve Bank of India Governor Raghuram Rajan's zeal to clear the mess that's hobbling the economy by March 2017 has divided the house in the middle. His surgery may either bring Indian banking back to life, or push it into coma. In fact, some feel that he is behind the curve in administering the medicine. <br><br> 'There are a lot more companies that should be declared NPAs but have not yet been declared NPAs,' says Neelkanth Mishra, strategist at Credit Suisse. 'Companies have operating profits which are much lower than what are needed to cover their interest, which means that they are still getting loans from banks to service their interest and keep their loans alive. So, we think that the RBI has not been stringent enough.' <br><br> It is grim - the stressed assets of banks are at 11.3%, which means that the capital they have is not enough to cover the loss of value of their assets. Investors don't believe the value that banks are assigning to assets so their shares are trading at lower than their book value. <br><br> What's the way out? Banks can keep funding the poorly structured assets and wait for the economy to gather momentum to get their money back, or recognise the loss of value and find another manager to run the company better and recover their dues. 'Our option, when we look at stressed loans, is either carry them as a zombie, pretend and lend, or accept surgery. If we have a structural solution of capacity creation then the second is better. Otherwise, we are down the path of first,' said Uday Kotak, vice-chairman of Kotak Mahindra Bank. <br><br> International experience shows that when the bad-loan recognitions are postponed banks lose their ability to fund an economic revival - as it happened in Japan with 'zombies' after the 1989 crash. And the other is like Sweden, or the US, where asset values are written down, new buyers found, and additional capital is invested. Furthermore, if banks are laden with bad assets, their ability to lend is crippled as they focus on recovery of loans and some even gamble away to compensate for the losses. <br><br> 'There are two approaches that zombie bank managers take as they struggle to bring their institutions back to life,' writes Yalman Onaran in 'Zombie Banks'. 'They'll hoard cash and give a few new risky loans, and wait for the slow profit-building to pay for the losses overtime. Or they will take much bigger risks with the hope that they can make windfall profits to plug the holes.' <br><br> State-run banks' reluctance to lend is reflected in the credit numbers. Government banks' credit growth slowed to 6.7% December last, from 19.1% in the same month in 2013 while private sector banks' credit growth accelerated to 20.5% in the same period from 16%.<br><br> Governor's advocacy of surgery may appear to be an option, but it comes with some immediate costs. Banks are reporting record losses and are on course to record more in the coming quarters as they race to complete the exercise by March 2017. The Indian industry, which is not used to this kind of shock treatment, is resisting it. Bankers say public perception is turning adverse. <br><br> The RBI says the 'recognition of NPAs was the anaesthetic needed for the surgery,' says Deepak Parekh, chairman of HDFC. 'I only wish to caution that too much of anaesthesia can also result in a patient becoming comatose!
Find the incorrect statement on the basis of the given passage.
Directions: Read the following passage and answer the questions given below it in the context of the passage. Some words in the passage are printed in bold to help you locate them while answering some of the questions. <br><br> If bank nationalisation of Prime Minister Indira Gandhi symbolised the political thought of that time, a clean-up and a gradual withdrawal of state from managing banks may well be the mark that Narendra Modi could leave behind. <br><br> Four decades of state-directed lending has come full circle - from the idea of making credit available to the poor which was not possible when rich businessmen controlled banks, to crooked entrepreneurs gaming the system, breaking banks and leaving the bill for the taxpayers to pay. <br><br> Matters have come to such a head that the Reserve Bank of India Governor Raghuram Rajan's zeal to clear the mess that's hobbling the economy by March 2017 has divided the house in the middle. His surgery may either bring Indian banking back to life, or push it into coma. In fact, some feel that he is behind the curve in administering the medicine. <br><br> 'There are a lot more companies that should be declared NPAs but have not yet been declared NPAs,' says Neelkanth Mishra, strategist at Credit Suisse. 'Companies have operating profits which are much lower than what are needed to cover their interest, which means that they are still getting loans from banks to service their interest and keep their loans alive. So, we think that the RBI has not been stringent enough.' <br><br> It is grim - the stressed assets of banks are at 11.3%, which means that the capital they have is not enough to cover the loss of value of their assets. Investors don't believe the value that banks are assigning to assets so their shares are trading at lower than their book value. <br><br> What's the way out? Banks can keep funding the poorly structured assets and wait for the economy to gather momentum to get their money back, or recognise the loss of value and find another manager to run the company better and recover their dues. 'Our option, when we look at stressed loans, is either carry them as a zombie, pretend and lend, or accept surgery. If we have a structural solution of capacity creation then the second is better. Otherwise, we are down the path of first,' said Uday Kotak, vice-chairman of Kotak Mahindra Bank. <br><br> International experience shows that when the bad-loan recognitions are postponed banks lose their ability to fund an economic revival - as it happened in Japan with 'zombies' after the 1989 crash. And the other is like Sweden, or the US, where asset values are written down, new buyers found, and additional capital is invested. Furthermore, if banks are laden with bad assets, their ability to lend is crippled as they focus on recovery of loans and some even gamble away to compensate for the losses. <br><br> 'There are two approaches that zombie bank managers take as they struggle to bring their institutions back to life,' writes Yalman Onaran in 'Zombie Banks'. 'They'll hoard cash and give a few new risky loans, and wait for the slow profit-building to pay for the losses overtime. Or they will take much bigger risks with the hope that they can make windfall profits to plug the holes.' <br><br> State-run banks' reluctance to lend is reflected in the credit numbers. Government banks' credit growth slowed to 6.7% December last, from 19.1% in the same month in 2013 while private sector banks' credit growth accelerated to 20.5% in the same period from 16%.<br><br> Governor's advocacy of surgery may appear to be an option, but it comes with some immediate costs. Banks are reporting record losses and are on course to record more in the coming quarters as they race to complete the exercise by March 2017. The Indian industry, which is not used to this kind of shock treatment, is resisting it. Bankers say public perception is turning adverse. <br><br> The RBI says the 'recognition of NPAs was the anaesthetic needed for the surgery,' says Deepak Parekh, chairman of HDFC. 'I only wish to caution that too much of anaesthesia can also result in a patient becoming comatose!
What do the stressed assets of banks at 11.3% suggest? <br> 1. That the capital they have is enough to cover the loss of value of their assets. <br> 2. That the quantum of stressed assets is not so large that there is need to worry about. <br> 3. That banks require some more capital to cover the loss of value of their assets.
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