Friday, 14 October 2016


Hai Bankfreepdfs readers.........

ibps po prelims start on 16th onwards so all are tension about how to approch the exam..
so iam giving a planned approch for ibps prelims,,,

time allocation for reasoning 23 mins, quantitative aptitude 23 mins english 14 mins
selection of question&accuracy and speed decide ur future........

Reasoning:(except puzzles u are getting 15-18 mks)
In the reasoning first dont attempt the puzzles
first attempt the syllogisms(if given) 5 mks
coding decoding 5 mks
number-letter-word type questions 5mks
coded inequalities 5 mks
blood relation & direction test 5 mks
at the last attempt the puzzles...

Quantitative Aptitude:
Simplications&approximatioms 10 mks
number series 5 mks
Data interpratation 10 mks
theory related problems 10 mks

Meanings 2-3 mks
Sentense fillers 5mks
error correction 5 mks
cloze test 5 mks
sentese rearrangememts 5 mks
passage 7-8 mks

Expected safe score for ibps po prelims by Bankfreepdfs Team is
Reasoning 20-25 (expected cut off for GEN 8 OBC/SC/ST 6)
Quant 15-20        (expected cut off for GEN 7 OBC/SC/ST 5)
English 10-15      (expected cut off for GEN 7 OBC/SC/ST 5)
Total 45-60           (expected cut off for GEN 40 OBC 38 SC 32 ST 25)

                      ALL THE BEST........

Saturday, 8 October 2016


I. Study the following information carefully to answer the given questions
There are Seven Lecturers – A, B, C, D, E, F and G taught seven subjects,viz., Maths, Zoology, Botany, Chemistry, Physics, English and Statistics on one day in a week starting from Monday and ending on Sunday (of the same week). There will be separate timings for each lecture.
Note: Total hours taken by all the lecturers = 18 hours. The minimum and maximum timing of any lecture will be one hour and five hour respectively. There are two pairs of timings that can be followed by four lecturers.
  • Chemistry is taught on Thursday. English is neither taught on Tuesday nor on Saturday.
    The Botany professor gave lecture immediately after the lecturer A. B is not a Chemistry Professor.
  • Maths is taught for one hour. The Professor B gave his lecture on one of the days before Friday. Either the professor E or the professor F not gave his lecture on Sunday. Professor F gave his lecture immediately after E. Lecturer A spent more time than Lecturer C.
  • Time taken by lecturer C is the sum of time taken by the lecturers B and F. Subjects Maths & Zoology are taught for same duration. The lecturer who took maximum time is immediately preceded by the person who took less than one hour of maximum time.
  • The difference between the subjects taught on Friday and Sunday is equalled to the time taken by the lecturer A. Professor who gave maths lecture immediately preceded and followed by C and G respectively.
  • Professor who gave lecture on Sunday spent less than three hours. Only one lecture is held between Chemistry and Botany. Zoology is taught after two days of maths lecture. Statistics is neither taught on Monday nor Sunday.
  • Botany is not taught on the immediate next day on which Zoology is taught.
    Physics is taught on Monday.
  • 1)Which of the following Subject is taught by A ?
    A. Statistics
    B. Chemistry
    C. Zoology
    D. Physics
    E. English
  • 2)Which of the following combinations is True with respect to the given arrangement?
    A. Maths – Wednesday
    B. Chemistry – Friday
    C. Zoology – Wednesday
    D. Physics – Friday
    E. English – Sunday
  • 3)If all the persons are made to arrange in alphabetical order from Monday to Sunday, positions of how many persons will remain unchanged?
    A. Four
    B. None
    C. Two
    D. One
    E. Three
  • 4)Professor D gave lecture for how many hours?
    A. One hour
    B. Two hours
    C. None of the given options is true.
    D. Three hours
    E. Four hours
  • 5)Who among the following gave lecture immediately after F?
  • A. B
    B. E
    C. A
    D. D
    E. F
  • Answers uploaded shortly........

Saturday, 16 July 2016

IBPS PO VI notification out....

Good news to all banking aspirants..
Ibps po VI notification out....
But less number of vacancies compare to previous year
Less vacancies tough competition and pattern changed so practise is important thing..
All the best....
Click here to download notification

Monday, 11 April 2016

Whatsup group for bank exams

Bankfreepdfs creating a whatsup group for
Upcoming bank exams
If ur interested ping ur numbers to comment box or send request to 9550949717

Sunday, 13 March 2016

Lakshmivilas bank po and clerk admit card out..

Hai readers,
Lakshmivilas bank released admit cards for po and clerk
The exam will on clerk 19th march,po 20th march
All the best
click here to download

Friday, 11 March 2016


IBPS Clerk Mains Expected Cut off CWE-
State General/OBC

Andhra Pradesh
West Bengal
Tamil Nadu
Andaman & Nicobar
Arunachal Pradesh
Daman & Diu
Jammu & Kashmir
Madhya Pardesh
New Delhi

Wednesday, 9 March 2016

Vocabulary Of The Day(MARCH 9th Hindu Editorial)

TOPIC-1:Government cuts its losses on EPF.
            Facing mounting criticism, the Narendra Modi government at the Centre has decided to drop its Budget proposal to tax a portion of the EPF (Employees’ Provident Fund) corpus upon withdrawal. An ill-conceived move both context- and content-wise, it has deservedly been given a burial. “In view of the representations received, the government would like to do a comprehensive review of this proposal, and, therefore, withdraw the proposal in paragraph 138 and 139 of my Budget speech,’’ Finance Minister Arun Jaitley said in a statement in the Lok Sabha. The government has also withdrawn the proposal to limit tax-free contributions by the employer to the provident fund account of an employee to Rs.1.5 lakh a year. This did not gel with the Budget speech rationale for taxing EPF savings — to bring parity in tax treatment between the EPF and the National Pension System (or NPS, where employers can pay up to 10 per cent of salary as contribution without any such cap). By putting the EPF back into an EEE tax regime (where contributions, income as well as the accumulated corpus are all exempt from tax), the government’s volte-face would help retain the EPF’s popularity among the salaried class, most of whom are part of it not out of choice but by statutory default. The Finance Minister had himself called them hostages to the EPF in his last Budget, but instead of setting them free, he thought it better to tax them citing fair taxation principles. It is still not clear whether the government had initially thought it could pull the taxation proposal past its middle-class constituency. In the event, the tax on EPF withdrawal gave additional ammunition to an aggressive Opposition, including the Congress party. Differences within the National Democratic Alliance and the Cabinet finally ensured the climbdown by the Finance Ministry.
            While announcing a return to status quo on the EPF, the Finance Minister has rightly retained the Budget provision allowing NPS subscribers to withdraw 40 per cent of the corpus without any tax liability. The remainder 60 per cent will attract a combination of withdrawal tax and deferred tax on the annuity products one buys. In a way, partial tax relief for the NPS will narrow the existing tax-induced gap between the EPF and the NPS. The strident opposition to EPF tax must be read in the context of the virtual absence of a social security net of any worth in India. There are no two views on the need to move towards a ‘pensioned society’. However, this cannot happen abruptly or in a coercive manner — people need to be nudged over time to gear up for such transitions. Whatever the intention, it was the ‘out-of-the-blue’ approach of the government that triggered an uproar. A sheepish rollback is a smart move, ahead of a round of Assembly elections. It is to be hoped that this U-turn will trigger a larger debate on ushering in a holistic social security ecosystem in the country.

1.deservedly : in the way that is deserved; rightfully.                            
2.gel : a jelly-like substance, especially one used in cosmetic or medicinal products.
3.rationale : a set of reasons or a logical basis for a course of action or belief.
4.regime : a government, especially an authoritarian one.
5.corpus :a collection of written texts, especially the entire works of a particular author or a body of writing on a particular subject.
6.volte-face :an act of turning round so as to face in the opposite direction.
7.citing :refer to (a passage, book, or author) as evidence for or justification of an argument or statement, especially in a scholarly work.
8.ammunition :a supply or quantity of bullets and shells.
9.Alliance :a union or association formed for mutual benefit, especially between countries or organizations.
10.quo :the existing state of affairs, particularly with regards to social or political issues.
11.liability :the state of being legally responsible for something.
12.deferred :put off (an action or event) to a later time; postpone.
13.annuity : a fixed sum of money paid to someone each year, typically for the rest of their life.
14.strident : (of a sound) loud and harsh; grating.
15.coercive : relating to or using force or threats.
16.nudged : prod (someone) gently with one's elbow in order to attract attention.
17.sheepish :showing or feeling embarrassment from shame or a lack of self-confidence.
18.ushering : show or guide (someone) somewhere.
19.holistic : characterized by the belief that the parts of something are intimately interconnected and explicable only by reference to the whole.
TOPIC-2: Don’t compromise on privacy.
            The Aadhaar Bill, which the government introduced in the Lok Sabha last week, has not come a day too soon. More than six years have passed since the first attempt was made to give legal validity to Aadhaar, an ambitious project that seeks to provide unique identification numbers to each individual in a country of over a billion people, collecting demographic and biometric information in the process. And through these years, amid many legal and political challenges and a change in government, over 98 crore numbers have been issued. The stated idea of the Aadhaar (Targeted Delivery of Financial and Other Subsidies, Benefits and Services) Bill, 2016, is to provide for “efficient, transparent, and targeted delivery of subsidies, benefits and services”. This, along with a clause that says the unique numbers will not be considered as proof of citizenship, is welcome. And yet, the process of legislating for Aadhaar has not been wholly reassuring. The Bill has attracted immediate criticism for being introduced as a money bill, by virtue of which it does not require approval of the Rajya Sabha, where the BJP-led government does not have the numbers to ensure its passage. Bypassing the Upper House’s vote does give the Bill an easy route to becoming law. The question is, given that Aadhaar was a signature project of the Congress-led UPA, could not the government have made the effort to reach out to lawmakers across the board on such a crucial, bipartisan issue?
            Wider political consensus and scrutiny are vital. Section 7 of the Bill, for instance, makes proof of Aadhaar necessary for “receipt of certain subsidies, benefits and services”. This must be read in the backdrop of a Supreme Court ruling that said Aadhaar cannot be made mandatory. A key concern over the collection of personal information on this scale is data protection. There are provisions in this Bill that seem to address the concern, including one that prohibits any official from revealing information in the data repository to anyone. But the exceptions cause unease. Two provisions are particularly troubling. The first is Section 29(4), by which no Aadhaar number or biometric information will be made public “except for the purposes as may be specified by regulations”. The second, which experts have already flagged, is Section(33), under which the inbuilt confidentiality clauses will not stand when it concerns national security. The only reassurance could be that in such cases the direction has to come from an official who is not below the rank of a Joint Secretary to the government. Nonetheless, without robust laws to protect their data, citizens would be rendered vulnerable. It is not about just snooping. It is also being said that in order to be useful and effective, Aadhaar data might have to be used alongside other databases. That could trigger further privacy questions. There is little doubt that India needs to streamline the way it delivers benefits, and to empower citizens with a basic identification document. But this cannot be done without ensuring the strictest protection of privacy.

1.ambitious :having or showing a strong desire and determination to succeed.
2.amid : surrounded by; in the middle of.
3.clause : a particular and separate article, stipulation, or proviso in a treaty, bill, or contract.
4.bipartisan :of or involving the agreement or cooperation of two political parties that usually oppose each other's policies.
5.scrutiny : critical observation or examination.
6.repository : a place where or receptacle in which things are or may be stored.
7.rendered : provide or give (a service, help, etc.).
8.vulnerable : exposed to the possibility of being attacked or harmed, either physically or emotionally.
9.snooping : nvestigate or look around furtively in an attempt to find out something, especially information about someone's private affairs.

10.strictest : demanding that rules concerning behaviour are obeyed and observed.

Digital Current Affairs:March 9th


                                             IMPORTANT NOTICE 


Please  refer  to  our  Advertisement  displayed  in  our  Website  on  26.07.2015and
published  in  Employment  News  during  the  period  15.08.2015  to  21.08.2015    in
respect  of Common  Recruitment  Process  for  recruitment  of  Clerks  in  participating
Organizations  (CWE  –  Clerks-V)  wherein  para  E,  it  was  mentioned  that  the
candidates who would be short listed in the Main examination for CWE Clerks–V
would  subsequently  be  called  for  interview  to  be  conducted  by  the  participating
organizations and coordinated by Nodal Banks in each State/Union Territory with
the help of IBPS.


Hai readers
ESIC released admit cards. exms dates are 21st and 22nd march
All the best
Click here to download admit card

Tuesday, 8 March 2016


1. The Sex ratio has come down in Gujarat placing it at 22nd rank in the Nation

The Sex ratio in Gujarat has fallen significantly from 920 in 2001 to 919 in 2011.It is a
fall against the overall 10 points increase in the average of sex ratio of the Nation.
  The socio-economic review presented  in the state assembly revealed that the
sex ratio of Gujarat was 919 against the National sex ratio which is 943
  With 919 females for every 1000 males, Gujarat ranked 22nd among 28 states
as per the 2011 Census
  Capital: Gandhi nagar
  CM: Anandi Ben Patel
  Governor: Om Prakash Kohli
  State Bird: Greater  Flamingo
2. Mumbai to host BRICS Friendship Cities Conclave in April
The  financial  capital  of  India  to  host  BRICS  Friendship  Cities  Conclave  in  April
involving top Urban Policy makers and Planners from BRICS Nations.
  The BRICS Friendship Conclave is a joint initiative of Ministry of External
Affairs and Maharashtra Government to be held between April 14 and 16 this
  Brazil, Russia, India, China, South Africa
  7
 BRICS summit held at UFA in Russia 
  India will host the 8
 summit this year.

3. Third phase of Gyan Sangam to focus on consolidation of banks 

The government told that it has started the second edition of Gyan Sangam and in the
third phase of Gyan sangam it has planned to focus on Consolidation of banks.
  Gyan Sangam is a retreat for banks and financial Institutions. It was held for
the first time last year.
4. Oil Ministry laid out the foundation stone of Octomax unit at Mathura
Union Minister Dharmendra Pradhan laid out the foundation stone for Octomax unit
in the oil refinery at Mathura.
  Octomax unit is the country’s first high octane gasoline production unit
  It is a part of the oil refinery at Mathura
5. Axis bank better placed than ICICI and other PSU Banks
Nomura  reports  reveal  that  Axis  bank  is  better  placed  than  ICICI  and  other
public sector bank in terms of corporate book profitability.
  Global financial services firm Nomura said that the third largest private
sector  bank  in  India-Axis  bank  is  better  placed  than  ICICI  and  other
PSU’s in terms of corporate book profitability
Axis Bank
  ESTD: 1990 (Initially as UTI Bank)
  Headquarter: Mumbai
  MD & CEO: Shikha Sharma
  ESTD: 1925
  Headquarter: Tokyo
  CEO: Koji Nagai
6. Freecharge Partners With Mexico-Based Movie Theatre Chain Cinepolis
To  provide  secure  and  easy  digital  payments,  Freecharge  has  partnered  with
Mexico based movie theatre chain Cinepolis.
  Cinepolis claims to be world’s fourth largest chain of movie theatre.
  Free Charge is the first digital wallet partner for Cinepolis
  ESTD: 2010 

  Headquarter: Mumbai
  Owner: Snapdeal
7. Thomas Cook India inks pact with Western Union, DCB Bank
Travel  Solutions  giant  Thomas  cook  India  has  signed  pact  with  Western  Union
Business Solutions and DCB bank to enable international trade payments by small
and medium sized enterprises.
  This  Pact  by  the  Thomas  cook  to  penetrate  the  high  growth  Indian  SME
sector for its international trade payment needs.
Thomas Cook:
  ESTD: 2007
  Headquarter: Peterborough 
  CEO: Peter Fankhauser
Western Union
  ESTD: 1851
  Headquarter: Meridian, US
  CEO: Hikmet Ersek
DCB Bank
  ESTD: 1930
  Headquarter: Mumbai
  MD & CEO: Murali Natarajan
8. 27 Government Banks May Be Merged Into Just 6
Finance Minister of India  Mr. Arun Jaitley has indicated that the Government may
merge 27 public sector banks into just six. 
  Because  PSB  is  working  under  pressure  to  tackle  their  dismal  bad  loan
scenario and consolidation is the way forward to handle this situation. This
has been said in the recently held Gyan Sangam in Gurgaon. 
9. Tata Housing ties up with SBI for Women's Day offer
Real estate developer Tata Housing has partnered with the country's largest lender,
State Bank of India, on the occasion of the International Women's Day. 

  Tata Housing will allow its women customers to pay only 20 per cent of the agreement value while the
balance can be paid on taking possession of the property, a company statement said here today.
  On its part, SBI will be offering home loans to its women customers at a special interest rate of 9.5 per
cent per annum under the SBI Her Ghar scheme as part of the International Women's Day, which will
be celebrated between March 8 and March 13, it said.
  Moreover, the SBI has waived processing fees on the home loan under the scheme, it added.
10. Investors' summit Begins in Gurgaon 
The first two-day 'Happening Haryana Global Investors Summit 2016' has kicked
off in Gurgaon, which has see participation from 12 countries.
  Besides several Union Ministers, a number of leading entrepreneurs and
MNCs have taken part.
  The  summit  comes  close  on  the  heels  of  the  Jat  quota  agitation  in
Haryana,  in  which  30  people  were  killed  and  property  worth  crores  of
rupees was destroyed.
  The  participating  countries  are  Czech-Republic,  Japan,  Mauritius,  New  Zealand,  China,  Korea,
Malawi, Peru, Poland, Spain, the United Kingdom and Tunisia.
  Finance Minister ArunJaitley is the chief guest at the inaugural session while Khattar has delivered the
keynote address.

11. American Actress Nancy Reagan died at 94
Nancy Davis Reagan, the veteran American actress and the former First lady of US
died at the age of 94 following a cardiac arrest.
  She was an American actress and the wife of the 40th President of the United

States, Ronald Reagan.

Vocabulary Of The Day(MARCH 8th Hindu Editorial)

TOPIC-1:Time to deliver on Women’s Bill.
            By clockwork precision, talk about the Women’s Reservation Bill has duly floated in ahead of March 8, International Women’s Day. President Pranab Mukherjee and Vice-President Hamid Ansari have called for reviving the Constitution (108th) Amendment Bill to reserve for women one-third of seats in Parliament and the State legislatures. Prime Minister Narendra Modi has been less forthcoming in revealing whether his government has any plans to pilot the Bill through the Lok Sabha. This is particularly disappointing. The Bill was passed in the Rajya Sabha in March 2010 amid obstructive theatrics from parties such as the Rashtriya Janata Dal and the Samajwadi Party, but also with an unusual level of cooperation among the national parties, especially the Congress, which was leading the United Progressive Alliance government, and the Bharatiya Janata Party. Thereafter they could not — or would not — overcome similar odds in the Lok Sabha to deliver on their stated support for the Bill. Six years on, Mr. Modi’s BJP commands a clear majority in the Lok Sabha. It is therefore in a position not only to get the Bill passed by mopping up the support of just a few more MPs, but also to force the Congress and the Left into reaching out across the aisle in a polarised Parliament to affirm fidelity to a long-voiced promise. Every session of Parliament must serve as a reminder that the real stumbling block to the Bill has not been political from parties opposed to it, but essentially patriarchal within the very same parties that have affirmed support to it.
Also read: Women's Reservation Bill: The story so far
            In the two decades since it was first presented in Parliament, different governments have tried clearing it but faced tremendous opposition, often accompanied by manhandling and name-calling. It is obvious that despite the pretty speeches and public posturing, the political space in the country, regardless of the ideological divide, is uniformly and strongly chauvinistic. Opposition to the Bill has often taken the form of a demand for the proposed quota to be diced along other parameters of disadvantage, such as caste and class. Additionally, resistance has been rationalised as a caution that women’s quota would be appropriated by relatives and proxies of powerful politicians, neatly ignoring the fact that such a reality could well obtain with regard to male legislators too. Women need to overcome gender prejudice firstly in their respective parties before entering the wider electoral fray. It is also a sign of lack of seriousness on the Bill that parties have not taken up a considered discussion of the impact of the rotation of reserved constituencies envisioned, and purposefully debate its merits against suggestions for double-member constituencies, proportional representation and mandatory women’s quotas for parties while announcing candidate lists for elections. To have more women in legislatures and the government is a big step towards empowering women in society. The experience of several village panchayats that have women as effective leaders bears testimony to this fact. Affirmative action of this kind is the best way to usher in social and gender justice.

1.precision : the quality, condition, or fact of being exact and accurate.
2.revealing : making interesting or significant information known, especially of a personal nature.
3.amid : surrounded by; in the middle of.
4.obstructive : causing or tending to cause deliberate difficulties and delays.
5.theatrics : dramatic performances; theatricals.
6.mopping : clean or soak up liquid from (something) by wiping.
7.aisle : a passage between rows of seats in a building such as a church or theatre, an aircraft, or train.
8.affirm : offer (someone) emotional support or encouragement. : faithfulness to a person, cause, or belief, demonstrated by continuing loyalty and support.
10.stumbling : trip or momentarily lose one's balance; almost fall.
11.patriarchal : relating to or denoting a system of society or government controlled by men.
12.tremendous : very great in amount, scale, or intensity.
13.chauvinistic : feeling or displaying aggressive or exaggerated patriotism.
14.diced : play or gamble with dice.
15.fray :(of a fabric, rope, or cord) unravel or become worn at the edge, typically through constant rubbing.
16.envisioned :imagine as a future possibility; visualize.
17.usher :a person who shows people to their seats, especially in a cinema or theatre or at a wedding.
TOPIC-2:Staking claim to Twenty20 supremacy.
            India’s triumph in the Asia Cup will have surprised no one. It would appear that not only are M.S. Dhoni’s men the best Twenty20 outfit in world cricket, as evidenced by their No.1 ranking, they are also close to impossible to master in the subcontinent. The win — India’s sixth Asia Cup title and its first in this shortened format — was not merely a statement of regional dominance. The India team would now assume that it has served notice to anyone who might have designs on the World Twenty20, which will be hosted in the country over the next four weeks. Bangladesh might have briefly threatened a coup in the rain-shortened final — it deserves great credit for its brave, attacking cricket all tournament — but few teams are as adept at the chase under pressure as India. The batting unit contains a mix of disruptive firepower and nerveless skill, contest-ending weapons both. When deployed calmly — with the certainty that comes from doing it repeatedly, as India’s batsmen have in the Indian Premier League — no target is safe. As team director Ravi Shastri said after the final, this is a unit that knows how to get the job done — a truism on the face of it, but, as Germany has shown in international football tournaments, one that has been coined to explain the unexplainable. In sport, there is such a thing as the ‘tournament team’. Australia is the most obvious example this era in cricket. Dhoni-led teams haven’t been far off, however; indeed the current one enters the World T20 as the overwhelming favourite.
            This is not to say India is without vulnerability. As Mohammad Amir proved again in helpful conditions, no batsman enjoys the combination of pace, bounce and movement. The Pakistani left-armer’s spell was one of the moments of the Asia Cup — heart warming and eye-catching in equal measure, given his road back from perdition and the sheer spectacle great fast-bowling sets up. But it was just that: a moment. For a side to subject India’s batting, it will need more. And considering it is unlikely that India will play on wickets that assist the pacemen to the same degree in the World T20, the chances of an encore are remote. Mystery spin is the other thing that has challenged India in the past; there doesn’t seem to be enough of it around this time, however. Perhaps the greatest dangers to India’s batting comes from within: complacency and ego. The bowling still needs work; it can unravel when attacked. But Jasprit Bumrah and his unique action offer India a difference-maker, in support of R. Ashwin. The others will need careful handling, but Dhoni, perhaps the finest reactive captain in the game, is adept at it. The fielding moreover is world-class, so chances will be taken and occasionally created. The Asia Cup was a title to be won, but also preparation; having achieved both objectives in some style, India will be confident about what lies ahead.

1.triumph :a great victory or achievement.
2.evidenced : be or show evidence of.
3.coup : a sudden, violent, and illegal seizure of power from a government.
4.disruptive : causing or tending to cause disruption.
5.deployed : move (troops) into position for military action.
6.truism : a statement that is obviously true and says nothing new or interesting.
7.obvious : easily perceived or understood; clear, self-evident, or apparent.
8.era : a long and distinct period of history.
9.vulnerability : capable of or susceptible to being wounded or hurt, as by a weapon.
10.perdition : (in Christian theology) a state of eternal punishment and damnation into which a sinful and unrepentant person passes after death.
11.sheer : nothing other than; unmitigated (used for emphasis).

12.complacency : a feeling of smug or uncritical satisfaction with oneself or one's achievements.

Tuesday, 1 March 2016

Vocabulary Of The Day(MARCH 1st Hindu Editorial)

TOPIC : A message aimed at the heart of India.
            Stung by the criticism of being a suit boot ki sarkar and by the National Democratic Alliance’s electoral reverses in Bihar, Finance Minister Arun Jaitley has made bold to address the perception deficit in announcing a raft of proposals aimed at the rural sector and farmers. From a cess of 0.5 per cent on all taxable services that would expressly be used to finance improvements in agriculture and schemes to benefit farmers, to a dedicated long-term irrigation fund with a corpus of Rs.20,000 crore, the Union Budget seeks to pave the path for making good Prime Minister Narendra Modi’s promise to double farm incomes by 2022. Other measures to further this course include an outlay of Rs.19,000 crore that the Central government will spend this year on rural roads as part of its goal to ensure that all habitations are connected by 2019, and a push to achieve universal village electrification in the next two years. Between improved road connectivity and the availability of electricity, the potential is significant for a multiplier effect on the rural economy and improvements to the quality of life for residents of the hinterland. Two more steps are noteworthy. The Budget proposes the introduction of a health insurance scheme that would provide up to Rs.1 lakh as coverage against hospitalisation costs for economically weak households, with senior citizens above the age of 60 eligible for another Rs.30,000 in top-up cover. While the sum offered as protection is low by most standards for contemporary critical in-hospital care, especially in the private sector, for the indigent this could well mean the difference between not even attempting to seek medical care and a chance at surviving a debilitating illness. The other, equally laudable, initiative is to provide all families below the poverty line with cooking gas. This can afford those in underprivileged homes the dignity of a quicker and less harmful way to keep their kitchen fires running.
            From a larger macroeconomic perspective, Mr. Jaitley has for now said he will stick to his prior fiscal deficit commitments, but he has simultaneously flagged the need for more flexibility in dealing with situations when overall economic conditions are unfavourable. For this he has proposed the setting up of a committee to review the entire road map mandated by the Fiscal Responsibility and Budget Management Act of 2003 to study the possibility of having a target range instead of fixed numbers that would give the government the needed policy space to align a fiscal expansion or contraction with credit availability. For the individual tax payer, the Budget offers little to cheer, save some tax sops that lower and middle income families can leverage to invest in affordable housing, or squirrel away some more cash from an increase in the deduction towards house rent. The salaried class is likely to feel hard done by a move to tax 60 per cent of the corpus created from contributions to the Employees’ Provident Fund starting April 1 as part of a move to create a ‘pensioned society’. With elections to five provincial Assemblies due this year, Mr. Jaitley’s focus on the rural and agrarian communities is clear proof that the Budget still retains its relevance as a powerful messaging tool of a government’s political stances. Whether Budget 2016 will engender a harvest of votes, only time will tell.

1.Stung : aroused to impatience or anger.                             
2.perception : a way of conceiving something.
3.deficit : the property of being an amount by which something is less than expected or required.
4.raft : (often followed by `of') a large number or amount or extent.
5.pave : a setting with precious stones so closely set that no metal shows.
6.hinterland : a remote and undeveloped area.
7.indigent : poor enough to need help from others.
8.debilitating : impairing the strength and vitality.
9.laudable : worthy of high praise.
10.underprivileged : lacking the rights and advantages of other members of society.
11.align : place in a line or arrange so as to be parallel or straight.
12.sops : piece of solid food for dipping in a liquid.
13.leverage : the mechanical advantage gained by being in a position to use a lever.
14.provincial : (Roman Catholic Church) an official in charge of an ecclesiastical province acting under the superior general of a religious order.
15.agrarian  : relating to rural matters.

16.stances :the way in which someone stands, especially when deliberately adopted (as in cricket, golf, and other sports); a person's posture.