Can anyone suggest a good decision making course for XAT?
Does XLRI provides marks on the basis of academic or gender diversity ?
Chatterjee, the MLA of Trikathapur, owes his election success to his close friend and businessman Ghosh. The victory had appeared unlikely for Chatterjee after the arrival of Bhowmick, a budding politician with hordes of money. However, his clean image along with Ghosh's money ensured Chatterjee's resounding victory.
Inspired by Bhowmick's manifesto, Chatterjee is contemplating a green policy which can adversely affect Ghosh's business interests. Which of the following actions from Ghosh is likely to convince Chatterjee NOT to pursue this policy?
- C. Warn Chatterjee that all industrialists will turn against him and despite his clean image he may be hated by the industry.
- D. Appeal to Chatterjee’s sympathy citing the potential loss his business will suffer if the policy were to be implemented.
- E. Threaten Chatterjee that he should not take his loyalty for granted as Bhowmick has invited him to join his party.
- A. Request Chatterjee to defer implementation of the green policy by 3 years, the time needed to make his factory green.
- B. Remind Chatterjee that it is for his clean image that people voted him and not for Bhowmick’s green policy.
0 voters
The City of Yashmund is served by licensed taxis operating on officially sanctioned metered rates and driven by licensed drivers who do not own the taxis hut pay a monthly rent to the taxi-owners. Shaliesh Nair, the mayor of Yashmund, perceived that most of these taxis do not offer sufficient comfort and safety to passengers.
The mayor wants to involve the car owners in finding a solution to the problem of comfort and safety. He is concerned that the customers may not be willing to pay more for safety. Which of the options below is MOST LIKELY to convince the owners?
- E. Taxis that pass comfort-inspection test can charge 25% more. Should they violate any traffic rule this privilege would be withdrawn.
- B. The taxis that clear comfort-inspection can charge 25% above the metered rates; studies have shown that customers are willing to pay around 18% extra for comfort.
- C. If a taxi owner has a consistent record of comfort and safety the government will subsidize a second loan.
- A. The taxi owners who clear comfort-inspection can charge higher rentals from the drivers and drivers with impeccable safety record can charge the same from customers.
- D. Taxis can charge 25% more if they clear comfortinspection. However, owners of the taxis found compromising on safety will be jailed.
0 voters
Purushottam Bhatnagar owns and operates a sweetshop Puru and Sons. He is about 60 years old and is eager to hand over the business to his sons Ratan and Pramod. He however, fears that his sons, fresh from college may not understand the tricks of the trade.
Purushottam's eldest son discovered that the shop repackaged sweets that were close to expiry and sold them at a discount under different names. These sweets usually get sold very fast. But his son was concerned about the possible consequences of this practice. Purushottam was thinking of the following arguments to convince his son.
1. These sweets are consumed the same day and therefore there is no cause for worry.
2. Reduced prices give enough indication about the sweets to the customers.
3. These products are preferred by those who cannot afford full price and in a way, this is a service done to them.
4. In the past 30 years not a single person has reported ill because of consumption of these sweets.
5. Repackaging and selling sweets is a common practice.
Which combination of arguments below is MOST LIKELY to convince Ratan?
- A. 1 and 3
- E. 4 and 5
- D. 2 and 5
- C. 2 and 3
- B. 1 and 4
0 voters
need help..i know its difficult to read ..but it is worth it
I see her smile I walk a mile she flew away I`m bereft of a way. I shed a tear does it get me near? I drink a lot does it heal a bit? I think she may I walk a day Then cometh the night I may not be right may or may not It matters not happy I cracked the code to joy`s abode Ending the strife I walk a life with every stride I`m in for a ride. 1.What does the poet mean by the last line of first paragraph? A. He is searching for the lost way. B. He is looking to gain wings. C. He can no longer see her smile. D. He is looking for a way to fly. E. None of these 2. What is the code he is talking about? A. The key to contentment. B. The key to happiness. C. The key to happiness gained by reaching the object of his attention. D. The key to peaceful mind. E. The key to relaxation. 3.What qualifies as dusk as per the poet? A. Seeing him coming towards her, she is going back at a slower rate. B. Seeing him coming towards her, she is going back at a faster rate. C. Seeing him moving apart, she is coming towards him at a faster rate. D. Seeing him moving apart, she is staying her ground. im getting closer to her despite her moving away from him. D. Him getting farther from her despite her moving towards him. E. None of these
XAT DM
--Disclaimer : very long read.
@Razorfist @Arsene96 @Kumaraswam
Thoughts on Q1 n Q4 ?
Teknik Group of industries had businesses in different sectors ranging from manufacturing, construction, fish farming and hotels. These different businesses operated as semi-independent units managed by the unit level managers. Teknik's management had an internal consultancy group culled as Business Advisory Group (known internally as BAG). the 15 experts in BAG were hired personally by Mr. Teknikwala, the owner of Teknik. who wanted this core group of experts to help his organization grow thst without facing the typical growth hurdles. Most of them were specialists in fields like law, information technology, human resource management, and operations management. Almost all of them had experience spanning decades in the industry. Whenever any of the units faced any significant problems, the unit level managers would put up a request for help to BAG. The problems ranged from installation of internal MIS -tystems, to 4 financial advice related to leasing of equipment, to handling of employee grievances. Over a period of 20 years, Teknik's revenues grew from Z 100 crore Z 10,000 crore with guidance of BAG and duc to Mr. Teknikwala's vision. Given its reputation in the industry, many people wanted to start their careers in BAG. Often young MBAs, fresh out of business schools would apply. However their applications used to be rejected by Mr. Teknikwala, who had a preference for people with extensive industry experience. Things changed after the unfortunate demise of Mr. Teknikwala. His daughter Miss. Teknikwali took up the family business. She was an MBA from one of the premier business schools, and was working in a different company when Mr. Teknikwala passed away. She preferred that BAG develop new ideas and therefore inducted freshly graduated MBAs from premier business schools. She personally supervised the recruitment and selection process. Now the entire group constituted of 50 specialists, out of which 35 were the old time members. She also changed the reporting relationships in the BAG group. with some of the older members being made to report to the new members. In IT team, Mr. Shiv, a newly recruited MBA, was made in-charge. For the older members it was a shock. However, as most of them were on the verge of retirement, and it would he challenging to search for new jobs while competing with younger professionals, they decided to play along. After one month, all business units were caught up in the ERP fever. This was an idea pushed by Ms. Teknikwali who the need the need to replace the old legacy systems with latest ERP system integrating all the units of Teknik. This was heavily influenced by her experience in the previous where an FRP system was already up and running. Therefore she was not aware of the difference between installing an ERP system and working on an already installed one. The ERP implementation in Teknik Group required extensive coordination with senior level managers of all units and it represented an extra work for those who were involved. This coordination was required to understand the different work processes and the users' requirements. This coordination activity was being extensively managed by the old timers as they were familiar with internal processes and people in the different units. An external consultant was also hired for customisation and implementation. After two months. BAG teams had to fortnightly present their progress to Ms. TeknikwalEs team. In the last meeting Ms. Teknikwali was dissatisfied. She explained her thinking that since ERP impacted every aspect of the business, the roll out had to be done faster. She wanted Mr. Shiv to get the implementation completed ahead of schedule. In the meeting she asked Mr. Shiv to get the people in 11 team to he more productive. Not willing to disagree, Mr. Shiv committed to a roll-out schedule ot complete ERP system in 6 months instead of earlier decided 14 months. Next day, Mr. Shiv presented the revised project milestone to BAG members. He told them that in order to meet the deadline, the members were expected to work on week-ends till the completion of the project. Along with that, they were also expected to maintain their earlier standards of delivery time and quality for the normal trouble-shooting and internal advisory work. Mr. Shiv also pointed out that anyone whose performance did not meet the expectations would be subjected to formal disciplinary action. The meeting ended without any member commenting on Shiv's ideas, although Mr. Shiv heard a lot of mumbling in the corridor. Over the week, Shiv noticed that the members seemed to avoid him and he had to make extra effort to get ideas from them. After a fortnight Shiv reviewed the attendance register and found that Mr. Lai, an old time member, had not come during the weekends and certain decisions were held up due to lack of inputs from Mr. Lad Mr. Shiv issued a written reprimand to Mr. Lal. He was speechless on receiving the reprimand but kept silent. It has been three days since that incident. Some of the senior members had put in request for transfer to other business units. It was rumoured that four senior legal experts had agreed to an offer from a law firm. Other senior members would sporadically come in late to work, citing health reasons. Almost all senior members now wanted a weekly work-routine to be prepared and given to them in advance so that they could deliver as per the schedule. This insistence on written communication was a problem as urgent problems or ad-hoc requests could not be foreseen and included. Also, normal services to other business units were being unattended to, and there were complaints coming from the unit heads.
Q1. Which of the following could have been a better response of Mr. Shiv to Ms. Teknikwali's request to re-schedule the ERP implementation?
A. Look at industry best practices regarding fast-tracking of ERP projects and then commit to a new deadline.
B. Consult the external consultant who was involved with ERP customisation and implementation.
C. Create a smaller team of all the new recruits of BAG and present the idea to them alone.
D. Eliminate the reliance on external consultants as they would be slow.
E. Present the idea to BAG members and ask them to look at the feasibility of the entire plan.
Q2. Which of the following can be identified as the immediate cause for the problems in BAG?
A. Ms. Teknikwali's decision to appoint Mr. Shiv as project lead for ERP implementation.
B. The incompetence of the consultant who was implementing the FRP project. C. Lack of information about what was happening in the ERP project.
D. Infighting between new recruits and the older members of BAG group.
F. Unilateral decision making by Shiv.
Q3. How should Mr. Shiv cope with the situation now? Choose the best option, considering Mr. Shiv's career would be at stake if the ERP project fails, and assuming that for carrying out the options, he has the necessary authority to do so.
A. Resign From BAG. I he project cannot be done as per the re-scheduled time-table. Get a job in another company based on BAG's brand-name.
B. Inform Ms. Teknikwali about the situation and get help from her to deal with the old time members. Some old members need to be fired so that others are also disciplined.
C. Align the new members of the BAG group to his side by promising them rewards at end of the project. Obtain approval from Ms. Teknikwali for the same. D. Develop work-routines aligned to the ERP project requirements. Hire extra resources for dealing with other ad-hoc requirements and for the ERP project requirements.
E. Create a joint team of old members and new members within BAG to take care of ad-hoc requirements. They would be socialized in out-bound programmes like mountaineering etc., which will be conducted during week-ends.
Q4. Of all the problems being faced in BAG, which of the following is neither discussed nor hinted at?
A. Ms. Teknikwali's lack of faith on older members to implement new ideas.
B. The inability of the younger members to work along with the older members of BAG.
C. Mr. Shies intention to impress Ms. Teknikwali by agreeing to a tougher deadline.
D. Ms. Teknikwali's lack of understanding of the complexity of an FRP implementation.
E. Mr. Shits lack of understanding of the sensitivities of the older members of BAG.
Q5. After her father's demise, the best way Ms. Teknikwali could have gone about dealing with HAG 1.5 6 group would have been to:
A. Discuss with the members as to what their views were about the company and solicit ideas on how to make it grow further.
B Retire the entire team and hire a fresh team according to her criteria and her requirements.
C. [lire an external consultant who would have interacted with the BAG members on her behalf.
D. Ask the unit managers about the performance of the BAG group's performance and productivity, After that have discussion with BAG members about unit managers' performance.
E. Break down BAG into different sub-groups. It would be easy to tackle one sub-group at a time and do what she wanted to achieve.
Q6. It can he inferred from the above case that implementation of an ERP package in an organization requires creation or a team that has:
A. a mixture of experienced employees and newly graduated employees
B. only young people with education in top schools and colleges
C. sufficient number of people who are networked with powerful stakeholders in the organization
D. right amount of problem solvers along with those who are abreast of the latest ERP technology
E. people who have been involved with operations for a long duration of time along with people who are aw are of the latest in ERP technology
The Disciplinary Committee of National Political Party (NPP) is meeting today to decide on the future of two of their party members, Mr. Loyal and his son Mr. Prodigal. Mr. Prodigal is the prime accused in the brutal murder of Mr. Victim, an opposition party leader. Mr. Prodigal is in police custody and his appeal for bail has got rejected. Mr. Loyal claims that his son is innocent and Mr. Victim's death was the result of internal rivalry in the opposition party. Though Mr. Loyal is not accused in this case, his weakness for his son is well known. The media is blaming him for influencing key witnessesto protect hisson. Severe criticism of this father-son duo, both by the media and some social activists, is damaging the image of the party. However, Mr. Loyal has significant followers within the party and is considered an asset to the party. Any harsh decision against Mr. Loyal would adversely affect the future of NPP and could even lead to a split in the party. This would benefit the opposition.
Q. At the Disciplinary Committee meeting, members came up with the following suggestions. Which of the following suggestions would haram the party, the least?
A. Maintain status-quo.
B. Expel Mr. Prodigal from the party with immediate effect to maintain party's clean image.
C. Initiate an internal inquiry to find the truth.
D. Suspend Mr. Prodigal from the party with immediate effect but announce that he will be taken back if the court declares him innocent.
E. Suspend both Mr. Loyal and Mr. Prodigal from the party with immediate effect.
Hey,
Can you guys suggest any good platform for taking up xat mocks? And what are your review for cracku xat mocks?
Thanks in advance!
Want to Ace XAT?? Decision Making can be your making or your nemesis. InsideIIM brings to you specially curated tests for XAT DM and GK for FREE!! Read the article to give your first free test now and get further tests every Tuesday and Friday to rock these sections. Practice!! Practice!! Practice!! https://insideiim.com/xat-2020-decision-making-general-knowledge-practice-test-1?src=NikitaTayal
XAT DM
@Kumaraswam @Arsene96 @Razorfist Thoughts peeps?
Ethical- a person is called unethical. when he deviates from principles. The principles and their use is often guided by two definitions:
Morals: societv's code for individual survival
Ethics: An individual's code for society survival
Naresh was a small time civil contractor in a small city. His major clients were the residents who wanted ad-hoc work like painting, building repairs, building extensions to be done. His just prices had made him a preferred contractor for most of the clients who preferred him over other civil contractors. Always he followed the principle that client had to be kept happy — only by doing so it would be a win-win situation for both. However due to the unpredictability of such orders from residents, Naresh used to be idle for substantial part of the yea s a consequence, he could not expand his business. His two children were growing up and his existing business could not support their expenses. The medical expense of his elderly parents was another drain on his resources. The constant rise of prices in medical care and medicines was another issue. For Naresh, family's concern was predominant. Naresh was, therefore, under pressure to expand his business. He was the sole earning member of his family, and he had to ensure their well being. He thought that by expanding his business, not only he would be able care for his family in a better way, as well as offer employment to more number of masons and labourers. That would benefit their families as well. Naresh drew the boundary of his society to include himself, his family members, his employees and their family members. For expansion, the only option in the city was to enlist as a contractor Ijor government work. Before deciding, he sought advice from another contractor, Srikumar, who had been working on government projects for a long period of time. Srikumar followed the principle of always helping others, because he believed that he would be helped back in return some day. Srikumar had just one advice "The work is given to those who will win the bidding process and at the same time will give the maximum bribe. Prices quoted for work have to include bribes, else the bills will not get cleared and the supervisors will find multiple faults with the execution of work. This ensures survival and prosperity for contractors". When asked about other contractors, Srikumar said "The government contractors are like a microsociety in themselves, almost like a brotherhood. Within that, they are highly competitive; however towards any external threat they are united to ensure no harm happens to any of their members".
21. Naresh decided to work as a government contractor. Following Srikumar's advice, he Itlated the prices so that he could pay the bribes out the bills received. A. Naresh is now totally unethical.
B. Naresh can not be called totally ethical.
C. Naresh can be called ethical when it suits him.
D. Naresh is ethical to some extent.
E. Naresh is being totally ethical.
22.A new supervisor had joined a government department where hoth Naresh and Srikumar were 1.5 bidding for work. During the bidding process for a particular project, in an open meeting with all contractors and officers from the department, he produced a document which had the rates at which Naresh had worked for private clients for similar building related work. He accused Naresh and Srikumar of over-pricing for government work and threatened to disqualify them from the bidding process, if the rates are not brought down. Faced with that situation, Naresh gave a written reply that "I use materials of inferior quality for private work. and that is the reason for price difference". Srikumar supported Naresh in the meeting by saying that he had seen Naresh's work and he agreed. In this situation, it can be concluded that:
A. both Naresh and Srikumar are unethical.
B. Naresh is unethical while Srikumar is not.
C. both Naresh and Srikumar are ethical.
D.Naresh is ethical to a large extent, but no conclusion can be made about Srikumar.
E. Srikumar is unethical, but no conclusion can be made about Naresh.
23. Lankawala. another contractor. when laced with the new supervisor's demand to reduce prices for government work, asked him to guarantee that no bribes would he taken, and only then prices would he reduced. This was said in front of everyone. At this the supervisor forced Lankawala out of the Fleeting and threatened to black-list him. Lankawala did not say anything and walked away. Blacklisting of a contractor by one got eminent department implied that Lankawala would not he able to participate in any government departments' works. In late evening, the city was abuzz with the news that the supervisor's dead body was seen on the railway tracks. In the investigations that followed, no one who attended the meeting recounted the happenings in the meeting to the police. Getting involved in murder cases could lead to unpredictable outcomes such as becoming the potential suspect. or an accessory to the crime. Furthermore, cases could drag on Mr years, and one would have to appear in court as witnesses in response to court's summons. This. for a contractor, was a serious threat to his business due to the disruptions created. However, Naresh Wanted to speak out but was pressurised by Srikumar and other contractors not to, and as a result he did not. Due to this, the case was closed unresolved with no one Mond guilty. In this situation, it can be concluded that:
A. Srikumar is immoral. but ethical. while Naresh is not unethical.
B. Naresh is ethical and moral, while other contractors are immoral and unethical.
C. Naresh. Srikumar and other contractors are both immoral and unethical.
D. Other contractors are moral, and they prevented Naresh from being immoral.
E. Other contractors are unethical. but no conclusion can be made about Naresh.
Mr A. bought total 6 fruits (apples & oranges) from the market.He found that he required one orange less to extract the same quantity of juice as extracted from apples. If Mr. A had used the same number of apples and oranges to make the blend, then which of the following correctly represents the percentage of apple juice in the blend.
Please explain the approach
- 25%
- 33.33%
- 60%
- 66.66%
- none of the above
0 voters
What is the right opt for this question . Handa ka funda says opt D whereas time says opt B .My doubt is between C and D .What do you think is the right answer and explain it please .
Mr.Rastogi, HR head of LSP, is contemplating transferring Mr.Jose, from India to their Luxembourg office. Mr.Jose’s wife is also with the HR department of LSP. The couple is expecting their first child within the next four months and hence they want to be together. Mr.Rastogi is wondering whether Mr.Jose would accept the transfer. If he doesn’t, Mr.Rastogi would have to send a less competent person for this job as early as possible. The office in Luxembourg is very important for the company’s future. It is at its nascent stage and does not yet have an HR department. Hence, it is not possible to transfer Mrs.Jose to Luxembourg.
Which of the following options would be most appropriate, from the organization’s perspective, to resolve the issue?
- Giving a salary hike to Mr.Jose with a promise to transfer Mrs.Jose to Luxembourg in the near future.
- Giving Mrs.Jose option to work from home while in Luxembourg so that she can be with Mr.Jose.
- Giving Mr.Jose option to work from India for the time being so that he can be with Mrs.Jose in India.
- Giving a salary hike to Mr.Jose to compensate for Mrs.Jose’s salary so that she can join Mr.Jose at Luxembourg, even with a loss of pay.
- Asking Mr.Jose to accept the offer right now but give him up to six months to join Luxembourg office.
XAT is known for toughest QA in all the MBA exams. Here, we bring to you an in-depth analysis of Quant in XAT 2020-the expected topics and what you should focus on. Give it a read to form your strategy for QA. P.S. 99.139 percentile in XAT and XLRI-HR convert. https://insideiim.com/xat-2020-quant-review?src=NikitaTayal
Mr. Khan used to work as the Vice President of LSP India. However, he had resigned from LSP India for a better job in New York. In the meantime, his wife was promoted to head the HR of LSP India. Mrs.Khan had struggled hard to reach this position and was quite popular and respected within the organization. Mrs.Khan was contemplating whether she should give up her career and join him in New York. Mrs.Khan is considering the following actions:
I. Take a break for the time being and focus on personal life. Given her reputation, she can always get back to the same job, if required.
II. Go to New York, on leave without pay for two months to help Mr.Khan settle down. After that, she can come back and resume her responsibility in LSP India.
III. Request Mr.Khan to look for an equivalent job in India.
IV. Resign from LSP India, join Mr.Khan in New York, and look for a similar job there.
V. Request LSP India for a similar position in LSP USA and follow Mr.Khan to New York.
Which of the following sequence of actions can be immediately taken by Mrs.Khan to maintain her work-life balance?
- I & II
- I & III
- I & IV
- II & V
- III & V
try to mention your thought process too :)
Mohan’s was a popular fast-food joint at Connaught Place, Delhi. Initially Mohan handled his business alone. His sons, Ram and Kishan, joined the business after graduation from college. Ram was entrepreneurial in nature. Subsequently, another branch of Mohan’s was opened in Panipat. Mohan had chosen Ram to head the Panipat branch. Though Ram increased sales in short time, he had stopped using premium quality organic vegetables, the speciality of Mohan’s. Mohan and Kishan were not happy with his way of doing business.
Now, the foremost challenge for Mohan was to sort out this issue with Ram. Mohan knew that replacing Ram with Kishan was difficult as Kishan did not want to leave Delhi. However, giving a freehand to Ram might have long term negative consequences. Mohan was confused about the future of course of actions.
Mohan sought feedback from a few of his businessmen friends, who were familiar with both the branches. Here is what they said:
Businessman 1: Customers of Connaught place and Panipat are very different.
Businessman 2: Customers in Panipat are extremely happy with Ram’s behaviour.
Businessman 3: Panipat branch does not use the same quality of ingredients but maintains good hygiene and taste.
Businessman 4: Who knows, tomorrow the customers of Panipat might also appreciate what Connaught place customers appreciate today!
If Mohan thinks all these are valid concerns, which of the following actions would be best for the business?
- Training Kishan to replace Ram in a few months.
- Not worrying about ingredients as long as the business grows.
- Bringing Ram to Connaught place branch.
- Naming the Panipat branch as ‘Ram’s’, and changing it back to Mohan’, when needed.
- Asking Kishan to run the Panipat branch
this one too :)
Please HELP!!
It has been recently found by scientists at the National Institute of Nutrition that samples of packaged spinach of ABC company contained traces of E.coli which leads to stomach ailments. A.B.C company’s is a reputed brand among packaged food items. The company realizes that the presence of E.coli can pose a hazard to its customers. However if it informs the customers about the presence E.coli it would lose its credibility.
In this scenario what would be the most sensible option for the company?
a) Apologize and withhold sales of the product even if it means incurring losses.
b) Refrain from informing the customers about the mistake and take action only when customers face problems.
c) Admit the aberration by withdrawing the contaminated batches and get celebrities to reassure the public about the safety of consuming the product.
d) Silently withdraw the product from the market and at the same time take great care to ensure that the quality of the products which will be sent to the market henceforth, is exceptionally good.
e)Offer justification by stating that frequent power cuts led to the bacterial infestation.
PLEASE HELP
The ICB Bank Ltd. is a major bank, which is in the field of personal finance, like home loans, vehicle loans, personal loans etc. for the past 25 years. The bank has been offering personal loans in major cities only. Its rural branches have been extending finance to agriculture and small industries only. The bank wanted to extend the personal loans segment to its rural branches as well. The bank has appointed “GRAM Associates”, an agency, to which the bank has handed over the responsibility of identifying eligible borrowers in the rural areas. Identification of borrowers had always been the responsibility of the credit wing of the respective branches. The personnel of the credit wing were trained in identifying borrowers under every segment, i.e., personal, agricultural and industrial.After six months, it was observed that the credit wings of the rural branches were not ready to go with the candidates selected by the agency. The rural branches were not sure about the extent of knowledge of local conditions that the agency actually had. Therefore, they decided to continue identifying the borrowers by themselves. Realizing that its efforts were going waste, the agency asked the bank to ensure that the rural branches extend support and co-operate to the efforts made by it. Otherwise, it said that it had no option but to withdraw
What was the responsibility that the bank had given to the agency?
A: The agency was asked to impart its expertise, in identifying personal loan borrowers, to the bank’s rural branches.
R: The bank wanted to shift its credit portfolio more towards personal segment.
a) if both A and R are based on the information given in the passage and R is the correct explanation of A.
b) if both A and R are based on the information given in the passage but R is not the correct explanation of A.
c) if A is based on the information given in the passage but R is not based on the information given.
d) if A is not based on information given in the passage but R is based on the information given.
e)if neither A nor R is based on the information given in the passage.
I feel A is based on the passage as mentioned in 2nd and 3rd line but R is not based on the passage as theybjust wanted to extend personal loan segment to rural areas but nowhere is it mentioned that they wanted to shift their portfolio. Acc to time people ans is E . please help..thanks in advance