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OICL AO Descriptive Test

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OICL AO Descriptive Test

OICL AO - Descriptive Test

Main Examination will consist of Objective Tests for 200 marks and Descriptive Test for 30 marks. Both the Objective and Descriptive Tests will be online. Candidates will have to answer Descriptive Test by typing on the computer. Immediately after completion of Objective Test, Descriptive Test will be administered. The detailed information about OICL AO Descriptive Test for Main examination is discussed below.

shape Pattern

The Descriptive Test of 30 minutes duration with 30 marks will be a Test of English Language (Letter Writing-10 marks & Essay-20 marks). The descriptive test will be in English and will be conducted through on-line mode.
Each candidate will be required to obtain a minimum score for each section of objective test separately for short listing for the Descriptive test evaluation/Interview. Descriptive answer script would be evaluated only in respect of those candidates who qualify the objective test and also score high. Depending on the number of vacancies available, cut offs will be decided for Descriptive paper evaluation.
Each candidate will be required to obtain a minimum total score (to be decided by the Company according to number of vacancies) in the objective test (main examination) and qualify in the descriptive test for short listing for the Interview.

shape Questions

Some of the Previous Year Questions:
Letter Writing (10 Marks):
  • Write a letter to the manager of a firm to increase credit amount of loan taken.
  • Write a letter to the bank manager apologizing for the delay in EMI payment.
  • Write a letter to the bank manager for extension of joining date.
  • As a manager, write a letter to your colleagues to conduct a meeting on PR strategy.
  • Write a letter to your brother indicating him on why you want to choose a career in banking.
  • Write a letter to the parents, telling them about the challenges you are facing after shifting to a new city for job
  • Write a letter to your younger sibling explaining the importance of saving money

Essay Writing (20 Marks):
  • Effect of Salary Increase of Government Employees on Economy.
  • Importance of knowing history of nation for a citizen.
  • Effect of the New Game Pokemon GO.
  • Does providing an educational loan help in empowering employment to youth?
  • Impact of unearthing of black money on Indian Economy.
  • What is the relevance of Aadhar card?
  • Importance of education in regional/vernacular languages
  • Rise and Fall of Currency
  • Importance of a mentor in achieving career goals.
  • Pros & Cons of winning a lottery
  • Pros & Cons of Inflation
  • Do brokers deserve the cut that they make on deals?
  • Security of the women in workspace, an increasing cause of concern
  • Has Information Technology Changed the Workplace Culture?
  • Inflation and Stabilization in Economy.
  • Role of Uneducated Population in Indian Economy.
  • Using Animals for Scientific Research.
  • Rural Life vs. Urbanization.
  • Corporate Social Responsibility.
  • Role of NABARD in Indian Agro-Economy.
  • Banning of Voting Symbols by the Election Commission.

shape Samples

Write a letter to the Editor of a newspaper describing the state of pollution in your city. Sign yourself as XYZ.
Room no. 31, Someshwar Nagar, M. G. Road, Goregaon West, Mumbai – 400 401 12 December 2017.
To, The Editor, Times of India.

Subject: To highlight the status of pollution in Mumbai.
Respected Sir/Madam,

I, Ms. XYZ, am a resident from Goregaon West and a responsible citizen living in Mumbai. With the above-mentioned subject, I would like to draw your attention towards the state of pollution in Mumbai. It is been observed in different forms and is everywhere. The worst thing about it is, that it is spreading uncontrollably.

There are a handful citizens that take proper precautions like segregate the wet waste and the dry waste, make use of public transportation services whenever possible and avoid using plastic bags. However, their efforts drench in vain because a maximum population belonging to this metropolitan city fails to understand the severity of the situation. It might be due to the busy and rash lives citizens live or maybe due to inadequate awareness and knowledge.
Trash bins are present where four streets meet but not in some interior areas. Due to this, people living in the interior areas deposit waste from their respective homes openly on the streets. Places, where trash bins are available, are not cleared or picked up on a regular basis. The waste piles up and this influences the breeding of mosquitoes and eventually, to diseases.
Instances like the burning of plastic, dry leaves or rubber tires has also been observed. It is a humble request to prepare an awareness chart about the same so that masses can estimate the severity of the problem we’re facing or are about to face.
Thanking You Sincerely, Ms. XYZ
Demonetization: The Dawn of a Cashless India
The eve of 8th November 2016, the nation was glued to the television sets, as the Prime Minister Narendra Modi declared the demonetization of Rs 1000 & Rs 500 currency notes circulating in the economy. The objective was to make a substantial dent in the parallel economy by getting track of the black money. Fake currency, money laundering, and terrorism were the other targets.
A year has passed since then, arguments and counter-arguments have been doing the rounds regarding the success or failure of this bold step of demonetization. No doubt the GDP took a dip in the second quarter of 2017. The GDP growth was at a three year low in the April-June period. Secondly, about 99%, of the demonetized currency came back into the system.
However, in spite of all the flaws in the implementation, it was a much needed bitter dose for the Indian economy. The money that came back into the system does not mean all of it was legitimate.
Even after 13 months since the demonetization was done, it is still early to analyze and pass the verdict. Our economy has moved towards a cashless environment, and this step deserves appreciation. Black money and tax evaders pose the biggest challenge for the Indian economy. Corruption is the menace that is decaying the Indian socio-economic fabric from top to bottom. Going cashless is the only way out.
Preferring digital form of payments has benefits not only for the economy but the citizens as well. You need not carry cash everywhere thereby eliminating chances of theft and inconvenience involved in carrying cash. Risk of receiving damaged or fake currency is also not there when we go cashless. The freedom to carry out transactions anytime and anywhere is also a benefit. You need not visit the bank and stand in long queues, even no need to visit the ATM or worry about the limitation of the working hours of the bank.
Tracking black money and putting a full stop to illegal transactions is beneficial for the citizens as well. In the form of taxes, the government will also have more funds to divert into the welfare schemes for the citizens. In the case of cashless economy/digital transactions, every transaction is tracked, transparency is maintained eventually leading to falling corruption. When all transactions are cashless and executed through the banks and financial institutions, it will lead to increased tax revenue for the government. It will bring an end to all illegal transactions that are purposefully cash based.
The cashless economy will ensure that all the benefits in the form of subsidies and scholarships are received by the actual beneficiaries only. Out of every rupee that the government allocates for the welfare schemes, a significant portion falls into the hands of the corrupt at all levels.
Cross-border terrorism is a menace that has been plaguing our country for long. Demonetization ended the cross-border fake currency and terrorism nexus.
A real cashless Indian economy is still far away but demonetization is the step in the right direction, and in the years to come, the citizens of this country will experience its benefits.
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OICL AO 2017 - Descriptive Test (Additional Topics)