Thursday, 22 June 2017

Study Notes On English Grammar: PRONOUNS


PRONOUNS

Personal Pronoun
            “A pronoun is a word used instead of a Noun”.
            (I, we, you, he, she, it, they) are called personal pronouns because they stand for the three persons.

(i)       The person speaking
(ii)      The person spoken to, and
(iii)     The person spoken of.

‘You’ is both singular and Plural.


Nominative case (Subjective)
Objective case
(Accusative)
Possessive case
(Genitive)

First Person
I
we
me
us
my, mine,
our, ours
Second Person
you

you
your, yours
Third person
he
she
it
they
him
her
it
them
his
her, hers
its
their, theirs
           
Pronouns are used so that our language is not cumbersome with the same nouns being repeated over and over in a paragraph.

Subject Pronoun: (Subjective case)
(I, we, you, he, she, it, they)

Example:     She is at work.
She’ is main subject of the sentence, hence in the sentence, ‘She’ is the subjective personal pronoun.

 Objective pronoun (objective case)
Example:  He will meet us later.
Us’ is the objective personal pronoun, as it is the object of the verb ‘meet.’

Possessive pronoun (possessive case)
Example: That is our clubhouse.

‘Our’ shows the possession of the object ‘clubhouse’.

Gender

Example:  He went to the market.
He is used for male gender.
Other examples – (his, him, he etc.)

Example:  She is doing the laundry.
she’ is used for female gender.
(Her, hers, etc.)

Example:  It is important to them.

It’ is gender neutral as it shows an object,

 ‘Them’ is also gender neutral as ‘Them’ can consists of both genders.

Others gender neutral pronouns are - (Their, they, its.)

Number
Singular Pronoun – where the pronoun is only referring to one specific Noun.
Example: That book belongs to me.

Plural Pronoun – where the pronoun is used to refer to a number of nouns.
Example: That is Their book, not yours.


REFLEXIVE PRONOUN

“They are object pronouns that we use when the subject and the object are the same Noun.”

Example: I told myself not to bet all my money on one horse.

Example: The robber hurt himself chasing me through the alley.

“Reflexive pronouns are those which are used to indicate a noun which has been used in an earlier part of the same sentence.
(myself, themselves, yourself, ourselves, herself, himself, itself.)

Example: She blamed herself for the accident.
He is himself today.

EMPHATIC/INTENSIVE PRONOUN

“These pronouns are used to emphasize a Noun or pronoun. 
(myself, himself, herself, themselves, itself, yourself, yourselves and ourselves.)

Example: He himself is his worst critic.

“These pronouns act as appositives of nouns or pronouns for the sake of emphasis,”

Example: You yourself wrote those words.

This request came from the employee themselves.

They themselves know that the Prank was in bad taste.

Avoid reporting things that you yourself haven’t witnessed.

DEMONSTRATIVE PRONOUN

“Demonstrative pronouns are used to show or identify one or a number of nouns that may be far or near in distance or time.

They are only four in number (This, that, these, those)
This, that → Singular demonstrative pronoun
These, those → Plural demonstrative pronouns.

Example: That is a beautiful house.

They can also be used to show an unspecified quantity in a sentence.

Example: These were made by me.
(These is showing an unspecified quantity of something that was made by a person.)

Example: Everyone remembers those days.
(Those is showing a particular time or period of days in the past, it is being used in place of a noun that could be – school, summer, college etc.)

Example: This is what he is charging.
This is used as pronoun in place of a number.

These pronouns point out someone or something.
They are identical in form to demonstrative adjective/determiners.

The difference is that…
→ A demonstrative pronoun stands alone (because it is a substitute for a noun or noun phrase)

→ But a demonstrative adjective is accompanied by the noun it modifies.

Example: She gave me this gift.
(This – demonstrative adjective)

I like this.
(This – demonstrative pronoun)

(More example of demonstrative pronoun)
These are my children.
That is a good idea.
The streets of Delhi are more crowded than those of Mumbai. 


INDEFINITE PRONOUN

“These pronouns do stand for some person or thing, but we don’t know for exactly whom.”

When we say, “somebody stole my watch.”
(We don’t know to whom the word ‘somebody’ refers to.  The word ‘somebody’ is an indefinite pronoun.

Example: One should speak the truth.
                Somebody immediately called the doctor.
                Anybody can solve this problem.
                Nobody was present.
                Many are called, but few are chosen.
               Do good to others.

(Few, all, some, none, everything- indefinite pronouns)

DISTRIBUTIVE PRONOUN

“These Pronouns refer to individual elements in a group or a pair, one individual at a time.”

Example:     Each of the boys gets a prize.
                        Either of these roads leads to the railway station.
                        Either of you can go.
                        Neither of the accusations is true.
                        You may bring any of your friends
                        None of our students failed last year.

Each, either, neither are called distributive pronouns because they refer to persons or things, one at a time.

Each →used to denote every one of a number of persons or things taken singly.

Either means the one or the other of two.
Neither means not the one nor the other of two.
It is negative of either.

Either and Neither should be used only in speaking of two persons or things.

When more than two are spoken of (Any, No one, and none) should be used.

RECIPROCAL PRONOUN

Each and one really belong to the subject, Other and another are objects, butEach other and one another have become compound pronouns, (and are called reciprocal pronouns) and are rarely separated even by a preposition)

Example:     The brothers quarreled with each other.
                        They all gave evidence against one another.
                        Jamie and Jack always sit beside each other in break.

                      They haven’t seen one another since last year.

RELATIVE PRONOUN

These pronouns are used to connect a clause or phrase to a noun or pronoun.
These are: who, whom, which, whoever, whomever, whose, whichever and that.

Example: The driver who Ran the stop sign was careless.

Which and that are generally used for objects.

Who and whom are used for people and whose is used to show possession.

Example: she will choose the color which looks good on everyone

She is complaining to whoever she comes across nowadays.

There is a car in the parking lot that someone has painted a bright pink.

Is there anyone here whose mobile phone has a signal?
I met Hari who had just returned.
I have found the pen which I lost.
There is the book That you lent me.

INTERROGATIVE

Who, whom, which and what are interrogative pronouns as they are used to ask questions about a person or object that we do not know about.

Compounds of these words are made by attaching (–ever) to the words to strengthen the emphasis on the word.

Example:     which one would you like?
                        What is your Name?
                        Who will be managing the bullet?
                        Whom did you tell about this?
                        Whoever could have done this?
                        Whichever one will you choose?
                       
‘Who’ is always the subject of the verb.
‘Whom’ is never the subject of the verb.
It is object of the verb.
It is used to show the person to or for whom the action is being done.
                       
Example: whom were you meeting with?

English (Noun)

 English (Noun)
Noun
Words are divided into different kinds or classes according to the work they do in a sentence. 
These kinds or classes are known as Parts of Speech. They are eight in number:
1. Noun
2. Pronoun
3. Verb
4. Adjective
5. Adverb
6. Preposition
7. Conjunction
8. Interjection.
What is noun?
Noun is a word used to name a person, place or thing.
For example:
Rama was an epic king.

Kinds of Noun
1. Common Noun
A common noun is a name given in common to every person or thing of the same class or kind. For example;
I write with a pen.
The student asked me a few questions.

2. Proper Noun
A proper noun is the name of a particular person or place.
For example:
Ramu is a wise fellow.
Patna lacks basic civic amenities.

Rule: Proper nouns are always written with a capital letter at the beginning.
Incorrect: Earlier the capital of india was in calcutta.
Correct: Earlier the capital of India was in Calcutta.

Rule: Proper nouns are sometimes used as common nouns.
Incorrect: LK Advani is today regarded as Sardar
Patel of India.
Correct: LK Advani is today regarded as the Sardar Patel of India.

Rule: In this case proper nouns are always preceded by articles.
She is a Lata Mangeshkar.
Kalidas is the Shakespeare of India.

3. Collective Noun
A Collective noun is the name of a group of persons or things. For example army, committee,
 crowd, fleet, flock, herd, jury, mob, parliament, team.

Rule: A collective noun usually takes a singular verb and is substituted by a singular pronoun.
Incorrect: The jury were unanimous in their opinion.
Correct: The jury was unanimous in its opinion.

Rule: A collective noun takes a plural verb and is substituted by a plural pronoun
 when the individuals of which it is composed are thought of net behaving as a single unit
Incorrect: The jury was divided in its opinions.
Correct: The jury were divided in their opinions.

4. Abstract Noun
An abstract noun is usually the name of a quality, action or state considered apart from the object
 ( which is usually a common noun and often qualified by an adjective) 
to which it belongs. For example:
Innocence is integral to a child.
Love knows no bound.

5. Material Noun
A material noun is the name of a material ( matter from which a thing is made). For example:
Cotton is the source of natural fibre.
Milk constitutes a nutritious food.

Rule: A material noun does not take an article (a, an, the) before it.
Incorrect: The tobacco is a cash crop.
Correct: Tobacco is a cash crop.

Rule: It takes articles when treated as common nouns.
Incorrect: They offered me glass of water.
Correct: They offered me a glass of water.
Numbers
Numbers are of two kinds-
(1) Singular Number
(2) Plural Number
Generally while changing singular noun to plural we add s, es in the end.
For example
cow-cows
chair-chairs
school-schools
Mango-Mangoes
On the surface some nouns appear to be singular but in meaning they are treated as plural.
For example,
cattle, clergy, people, children, police, poultry
Incorrect: The peasantry has always stood as rockstars for the development of a country.
Correct: The peasantry have always stood as rockstars for the development of a country.
Some nouns look like plural but are always used as singular. For example,
Subjects - Mathematics, economics, physics, ethics, politics, classics.

Rule: When these subjects denote qualities or property, they are used in plural sense. For example,
Incorrect: His mathematics is weak.
Correct: His mathematics are weak.
Diseases - Rickets, AIDS, diabetes, mumps, measles. Some other nouns - News, gallows, summons, innings.
Some nouns are plural in form and in meaning, normally they are instruments or dress articles which have two parts and make a kind of pair. 
Do not use a/an before these nouns.
For example,
Spectacles, tongs, scissors, pincers, bellows, trousers, drawers, breaches, pants, knickers, pantaloons.
Certain other nouns - caves, riches (valuables), alms, funds, proceeds (profit), annals (record).
Incorrect : I bought a trousers yesterday.
Correct :I bought a pair of trousers yesterday.
Some nouns are always singular and used as singular only. For example Poetry, information, machinery, dust, furniture, dirt, traffic,
 money, music. Some nouns have one meaning in singular form and another in plural.

Quiz based on above concepts :

1. When he returned (a)/ from America, he informed me (b)/ that he had come here (c)/ to do urgent work. (d)/ No error (e)2. 
I do my best (a)/ but I don’t understand (b)/ why I do not get expected (c)/ marks in the examination. (d)/ No error (e)3.
 The pretty woman (a)/ sitting in the car (b)/ is the daughter of one of (c)/ the headman of the village. (d)/ No error (e)4. 
You will not be (a)/ allowed to go (b)/ anywhere else to (c)/ play outdoor games. (d)/ No error (e)5. 
The beautiful surrounding (a)/ of the palace (b)/ attracted a large number of (c)/ tourists coming from abroad. (d)/ No error (e)6. 
He did not know (a)/ that the headquarter (b)/ of the army (c)/ was in Delhi. (d)/ No error (e)7.
 Liberalisation of economy (a)/ has given birth to (b)/ many uncommon (c)/ phenomenon in the society.(d)/ No error (e)8.
Thousand of young (a)/ protesters were standing (b)/ at Jantar Mantar and (c)/ supporting Anna Hazare. (d)/ No error (e)9.
 It is very difficult (a)/ to chase (b)/ a huge score in the (c)/ fourth inning. (d)/ No error (e)10. 
He gave me (a)/ a five-rupees note (b)/ and asked me to get (c)/ him a few cigarettes. (d)/ No error (e)

1. e; No error
2. e; No error
3. d; Replace “headman” with “headmen”
4. e; No error
5. a; Replace “surrounding” with “surroundings”
6. b; Replace “headquarter” with “headquarters”
7. d; Replace “phenomenon” with “phenomena”
8. a; Replace “thousand” with “thousands”
9. d; Replace “inning” with “innings”
10. b; Replace “rupees” with “rupee”

Banking Awareness,


Q1. The Reserve Bank of India (RBI) has granted “in-principle” approval to the ________  applicants to set up small finance banks under the “Guidelines for Licensing of Small Finance Banks?
(a) 11
(b) 12
(c) 13
(d) 10
(e) 15
S1. Ans.(d)
Sol. The Reserve Bank of India (RBI) has decided to grant “in-principle” approval to the following 10 applicants to set up small finance banks under the “Guidelines for Licensing of Small Finance Banks in the private sector” (Guidelines) issued on November 27, 2014.
Names of selected applicants
1. Au Financiers (India) Ltd., Jaipur
2. Capital Local Area Bank Ltd., Jalandhar
3. Disha Microfin Private Ltd., Ahmedabad
4. Equitas Holdings P Limited, Chennai
5. ESAF Microfinance and Investments Private Ltd., Chennai
6. Janalakshmi Financial Services Private Limited, Bengaluru
7. RGVN (North East) Microfinance Limited, Guwahati
8. Suryoday Micro Finance Private Ltd., Navi Mumbai
9. Ujjivan Financial Services Private Ltd., Bengaluru
10. Utkarsh Micro Finance Private Ltd., Varanasi
Q2. The minimum paid-up equity capital for small finance banks shall be----------
(a) Rs. 100 crore
(b) Rs. 200 crore
(c) Rs. 300 crore
(d) Rs. 400 crore
(e) Rs. 500 crore
S2. Ans.(a)
Sol. The minimum paid-up equity capital for small finance banks shall be Rs. 100 crore.
Q3. Reserve Bank of India has granted the in-principle licence for small finance banks. The in-principle approval granted by RBI will be valid for a period of ________ months.
(a) 24 months
(b) 10 months
(c) 18 months
(d) 50 months
(e) 12 months
S3. Ans.(c)
Sol. Reserve Bank of India has granted in-principle licence for small finance banks to ten entities. The in-principle approval granted by RBI will be valid for a period of 18 months.
Q4. Where is the headquarter of AU Small Finance Bank?
(a) Jalandhar, Punjab
(b) Ahmedabad, Gujarat
(c) Guwahati, Assam
(d) Bengaluru, Karnataka
(e) Jaipur, Rajasthan
S4. Ans.(e)
Sol. Jaipur, Rajasthan is headquarter of AU Small Finance Bank.
Q5. RBI was granted a licence to small Finance Banks for the commencement of banking business under Section ______ of the Banking Regulation Act, 1949.
(a) Section 38(3)
(b) Section 22(1)
(c) Section 47(4)
(d) Section 12(2)
(e) Section 27(5)
S5. Ans.(b)

Sol. RBI was granted a licence to small Finance Banks for the commencement of banking business under Section 22(1) of the Banking Regulation Act, 1949.
Q6. The foreign shareholding in the small finance bank would be as per the FDI policy for _______________ as amended from time to time.
(a) Private Sector Banks
(b) Public Sector Banks 
(c) Foreign Sector Banks 
(d) Regional Rural Banks
(e) All of the above
S6. Ans.(a)
Sol. The foreign shareholding in the small finance bank would be as per the Foreign Direct Investment (FDI) policy for private sector banks as amended from time to time.
Q7. The promoter's minimum initial contribution to the paid-up equity capital of such small finance bank shall at least be ---------?
(a) 50 per cent
(b) 40 per cent
(c) 60 per cent
(d) 30 per cent
(e) 20 per cent
S7. Ans.(b)
Sol. The promoter's minimum initial contribution to the paid-up equity capital of such small finance bank shall at least be 40 per cent and gradually brought down to 26 percent within 12 years from the date of commencement of business of the bank.
Q8. Small Finance Banks will be required to extend ________ of its ANBC to the sectors eligible for classification as priority sector lending (PSL) by the Reserve Bank.
(a) 55%
(b) 35%
(c) 75%
(d) 50%
(e) 10%
S8. Ans.(c)
Sol. The small finance banks will be required to extend 75 per cent of its Adjusted Net Bank Credit (ANBC) to the sectors eligible for classification as priority sector lending (PSL) by the Reserve Bank.
Q9. The small finance bank will be subject to all prudential norms and regulations of RBI as applicable to existing commercial banks including the requirement of maintenance of CRR and SLR. What is the present rate of SLR?
(a) 20.75 per cent
(b) 19.75 per cent
(c) 20.25 per cent
(d) 20.50 per cent
(e) 21.25 per cent
S9. Ans.(d)
Sol. The small finance bank will be subject to all prudential norms and regulations of RBI as applicable to existing commercial banks including the requirement of maintenance of Cash Reserve Ratio (CRR) and Statutory Liquidity Ratio (SLR). No forbearance would be provided for complying with the statutory provisions. The present rate of SLR is 20.50 per cent.
Q10. FDI is an investment made by a company or individual in one country in business interests in another country. FDI stands for-
(a) Foreign Direct Industries
(b) Fully Direct Investment
(c) Foreign Department Investment
(d) Foreign Direct Installment
(e) Foreign Direct Investment
S10. Ans.(e)
Sol. Foreign direct investment (FDI) is an investment made by a company or individual in one country in business interests in another country, in the form of either establishing business operations or acquiring business assets in the other country, such as ownership or controlling interest in a foreign company.

Q11. What is the full form of ANBC in Banking?
(a) Adjusted Net Bank Cash
(b) Adjusted Net Bank Control
(c) Adjusted Net Bank Core
(d) Adjusted Net Bank Conclusion
(e) Adjusted Net Bank Credit
S11. Ans.(e)
Sol. ANBC stands for Adjusted Net Bank Credit in Banking.
Q12. Who is the chairman of the board of AU Small Finance Bank?
(a) Ganeshan Neelakanta Iyer
(b) Sher Bahadur Deuba
(c) K G Karmakar
(d) Mannil Venugopalan
(e) Shashi Shekar Vempati
S12. Ans.(d)
Sol. Mannil Venugopalan is the chairman of the board of AU Small Finance Bank.
Q13. Who was the chairperson of the External Advisory Committee (EAC) for Small Finance Banks?
(a) Deepak Phatak
(b) MS Sahoo
(c) Usha Thorat
(d) Nachiket M Mor
(e) M Balachandran
S13. Ans.(c)
Sol. Usha Thorat former Deputy Governor, Reserve Bank of India was the chairperson of the External Advisory Committee (EAC) for Small Finance Banks.
Q14. Utkarsh Micro Finance Limited is registered with Reserve Bank of India as Non-Banking Finance Company-MFI (NBFC-MFI). Where is the registered office and corporate office of Utkarsh Micro Finance Limited?
(a) Dehradun, Uttarakhand
(b) Varanasi, Uttar Pradesh
(c) Bhagalpur, Bihar
(d) Siliguri, West Bengal
(e) Puri, Odisha
S14. Ans.(b)
Sol. Utkarsh Micro Finance Limited is registered with Reserve Bank of India as Non Banking Finance Company-MFI (NBFC-MFI). Its registered office and corporate office is in Varanasi (Uttar Pradesh).
Q15. Reserve Bank of India (RBI) has granted the in-principle licence for small finance banks. Which among the following is true about small finance banks?
(a) Undertake basic banking activities of acceptance of deposits and lending 
(b) Allowed to set up subsidiaries to undertake non-banking financial activities
(c) Allowed to distribute mutual fund products, insurance products and pension products
(d) All of the above
(e) Both (b) and (a)

S15. Ans.(d)
Sol. Small finance banks can do:- 
1. Undertake basic banking activities of acceptance of deposits and lending. 
2. Can lend only for financial inclusion including small business units, small and marginal farmers, micro and small industries and unorganised sector entities.
3. Allowed to distribute mutual fund products, insurance products and pension products.