Reading Comprehension

J&K Bank Banking Associate · English Language · 40 practice questions with answers and explanations: 16 Easy, 24 Medium, 0 Hard.

Sample questions

Sample Easy question 1

Read the passage and answer the question that follows. For many years, a branch of a bank was something people in remote villages heard about but rarely saw. Farmers kept their savings at home, in grain stores or in small amounts of jewellery, and borrowed from local moneylenders at high rates. The arrival of simple bank accounts changed this pattern gradually. Business correspondents, who are trained local residents acting on behalf of banks, now help villagers deposit small sums, withdraw cash and receive government payments without travelling to a distant town. Officials say the real benefit is not the account itself but the habit it builds: families that save a little each month can survive a poor harvest without selling their land. Critics, however, point out that many accounts remain unused because people do not trust the system or cannot reach a reliable agent. They argue that access must be matched with education and good service. Question: The word 'gradually' in the passage is closest in meaning to:

  1. Reluctantly
  2. Completely
  3. Suddenly
  4. Slowly and step by step
Show answer

Answer: D. 'Gradually' means happening slowly over time.

Sample Easy question 2

Read the passage and answer the question that follows. Digital payments have made everyday transactions faster, but they have also given fraudsters new ways to operate. A common trick begins with a message or call claiming to come from a bank, warning that an account will be blocked unless the customer shares a one-time password. The target, alarmed by the deadline, often responds before thinking. Banks repeatedly advise that no genuine employee will ever ask for a password, a PIN or an OTP. Another risk comes from fake links that imitate real websites; a single careless click can hand over login details. Experts suggest a few simple habits: check the sender carefully, never share confidential codes, use only official apps, and report suspicious messages immediately. They add that speed is the fraudster's greatest ally, so pausing for even a minute to verify a request can prevent a large loss. Question: What does the passage say a genuine bank employee will never ask for?

  1. A password, PIN or OTP
  2. The customer's account number
  3. The customer's address
  4. A copy of an old cheque
Show answer

Answer: A. The passage says no genuine employee will ever ask for a password, a PIN or an OTP.

Sample Easy question 3

Read the passage and answer the question that follows. Digital payments have made everyday transactions faster, but they have also given fraudsters new ways to operate. A common trick begins with a message or call claiming to come from a bank, warning that an account will be blocked unless the customer shares a one-time password. The target, alarmed by the deadline, often responds before thinking. Banks repeatedly advise that no genuine employee will ever ask for a password, a PIN or an OTP. Another risk comes from fake links that imitate real websites; a single careless click can hand over login details. Experts suggest a few simple habits: check the sender carefully, never share confidential codes, use only official apps, and report suspicious messages immediately. They add that speed is the fraudster's greatest ally, so pausing for even a minute to verify a request can prevent a large loss. Question: The word 'confidential' in the passage is closest in meaning to:

  1. Temporary
  2. Expensive
  3. Secret and private
  4. Official
Show answer

Answer: C. Confidential details are meant to be kept private.

Sample Medium question 4

Read the passage and answer the question that follows. For many years, a branch of a bank was something people in remote villages heard about but rarely saw. Farmers kept their savings at home, in grain stores or in small amounts of jewellery, and borrowed from local moneylenders at high rates. The arrival of simple bank accounts changed this pattern gradually. Business correspondents, who are trained local residents acting on behalf of banks, now help villagers deposit small sums, withdraw cash and receive government payments without travelling to a distant town. Officials say the real benefit is not the account itself but the habit it builds: families that save a little each month can survive a poor harvest without selling their land. Critics, however, point out that many accounts remain unused because people do not trust the system or cannot reach a reliable agent. They argue that access must be matched with education and good service. Question: Which of the following can be inferred from the passage?

  1. Opening an account does not by itself guarantee that people will use banking services
  2. Village families no longer borrow money
  3. Government payments are now made in cash
  4. Business correspondents have replaced all bank branches
Show answer

Answer: A. Critics note that many accounts remain unused, so access alone is not enough.

Sample Medium question 5

Read the passage and answer the question that follows. For many years, a branch of a bank was something people in remote villages heard about but rarely saw. Farmers kept their savings at home, in grain stores or in small amounts of jewellery, and borrowed from local moneylenders at high rates. The arrival of simple bank accounts changed this pattern gradually. Business correspondents, who are trained local residents acting on behalf of banks, now help villagers deposit small sums, withdraw cash and receive government payments without travelling to a distant town. Officials say the real benefit is not the account itself but the habit it builds: families that save a little each month can survive a poor harvest without selling their land. Critics, however, point out that many accounts remain unused because people do not trust the system or cannot reach a reliable agent. They argue that access must be matched with education and good service. Question: Which of the following statements is supported by the passage?

  1. Saving regularly can help a family cope with a poor harvest
  2. Critics believe bank accounts should be abolished
  3. All villages now have a bank branch
  4. Moneylenders charge lower rates than banks
Show answer

Answer: A. Officials say families who save a little can survive a poor harvest without selling land.

Sample Medium question 6

Read the passage and answer the question that follows. Digital payments have made everyday transactions faster, but they have also given fraudsters new ways to operate. A common trick begins with a message or call claiming to come from a bank, warning that an account will be blocked unless the customer shares a one-time password. The target, alarmed by the deadline, often responds before thinking. Banks repeatedly advise that no genuine employee will ever ask for a password, a PIN or an OTP. Another risk comes from fake links that imitate real websites; a single careless click can hand over login details. Experts suggest a few simple habits: check the sender carefully, never share confidential codes, use only official apps, and report suspicious messages immediately. They add that speed is the fraudster's greatest ally, so pausing for even a minute to verify a request can prevent a large loss. Question: What is the main idea of the passage?

  1. Digital payments carry fraud risks that careful habits can reduce
  2. Banks should stop offering digital payments
  3. Fraudsters are always caught within a minute
  4. Official apps are slower than fake links
Show answer

Answer: A. The passage explains the risks and then lists simple protective habits.

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