Descriptive Paper Online Mock Test Series

Write a letter to the transport department suggesting improvements in the local public transportation system. 

XXX

YYY

ZZZ

Chennai - 600028

6th November, 2024.

The Director of the Public Transport Office

ZZZ

Chennai - 600028

Subject: Regarding suggestions on improvements in the local public transportation system.

Respected Sir,

I hope this letter finds you well. I greatly appreciate the services provided by our transport system. Also, I have a few suggestions to improve the efficiency of the system. Apart from the peak hours, there are no frequent transport options, which leads to long waiting hours. Solving this issue and extending the operating hours for all days, including weekends, would help passengers who rely on public transport.

Another key concern is the unclean nature of the buses and bus-stands. Regular cleaning schedules and maintenance of vehicles would contribute to a more pleasant experience for riders. I kindly suggest that these actions could improve our public transportation system. I look forward to your response. 

Thanking You.

Yours Truly,

XXX.

How would you write a letter to a family member, sharing the exciting news of your recent job promotion, and describe how you are managing the challenges and responsibilities that come with your new role? 

[Your Address]
[City, State, ZIP Code]
[Date]

Dear [Family Member's Name],
I hope this letter finds you well. I have some exciting news to share - I've just been promoted as manager in my branch! Even I was also shockingly surprised and I wanted to share this with you. As I am promoted, now I have a lot of responsibilities in my office. But I love to face the challenges. I’ve started managing various teams and setting targets to develop my branch business. At some point, I am feeling hectic. But I’m learning to manage the work effectively. Since I am with more responsibilities, I have started to do the work in an organized manner.
Also, the work-life balance has now become more challenging. As a team, we go for joint lunches and parties in our free time. I am loving this good bond with my team members.
It’s been a steep learning curve. But I’m happy for my growth. Still I am having opportunities to reach new heights. I hope all goes well! Will see you soon in a family function.

Sending you lots of love,

[Your Name]

Topic: Wealth Inequality & the Case for Redistribution

India’s economic boom has been accompanied by a concerning surge in wealth concentration.

According to data from the World Inequality Lab cited by Mint, the richest 1% of Indians now control about 40–65% of the country's wealth—a significant rise from two decades ago when the top 10% held around 40%, and the bottom 50% controlled less than 15%. Meanwhile, the Economic Times highlights that despite an impressive 8% GDP growth in FY24, domestic consumption remains weak at ~4%, signaling that wealth gains have been heavily slanted toward the top 20%, who are now saving 92% of the country’s wealth.

Mechanisms for countering this include wealth taxes targeted at the ultra-rich. A World Inequality Lab report proposes a “crorepati tax”—a baseline 2% levy on individuals with net worths exceeding ₹10 crore, and a 33% inheritance tax on estates above the same threshold, potentially generating 2.7% of GDP in new revenues. A moderate variant with higher tiers promises up to 4.6% of GDP, while a more ambitious version could yield 6.1%. This revenue could be channeled into health, education, and welfare, effectively doubling current public education spending or significantly augmenting combined health and education budgets.

Critics of wealth redistribution argue that such policies may stifle innovation, dampen productivity, and echo failed attempts in countries like Venezuela and Zimbabwe. They also warn of deterring investment. Proponents, however, assert that targeted redistribution funded by wealth levies can improve social mobility, narrow the urban–rural divide, and boost consumer demand, which stagnates under extreme inequality . Indeed, Mint summarises that the wealthy must pay their fair share through the super-rich
taxes to reverse inequality trends that won't self-correct.

Thus, the debate coalesces around creating fiscal space to invest in structural development versus preserving market incentives. With inequality reaching historical highs, momentum is building behind redistributive ideas, especially given the coalition government's interest in pro-poor policies . Still, long-term impact will hinge on implementation: tax coding, administrative capacity, and ensuring that revenues reach education, health, agriculture, and social safety nets.

Answer the following questions based on your reading of the above passage

Questions:
1. What percentage of India’s wealth is held by the top 1%, according to Mint?
2. How does income inequality affect domestic consumption, according to the Economic Times?
3. What is the proposed “crorepati tax” and how could it help?
4. Why do critics oppose wealth redistribution policies like super-rich taxes?
5. What are proponents’ arguments for redistributive policies in India?

Answers:
1. The top 1% of Indians hold around 40–65% of the country’s wealth. This marks a steep rise from earlier decades, showing growing wealth concentration.
2. Income inequality lowers domestic consumption as wealth is concentrated in the top 20%, who tend to save more, reducing demand from the rest of the population.
3. The crorepati tax is a proposed wealth tax on individuals with over ₹10 crore in net worth. It could generate up to 6.1% of GDP for welfare spending.
4. Critics argue that such taxes can discourage investment, hurt innovation, and lead to inefficiency, referencing failures in countries like Venezuela and Zimbabwe.
5. Supporters believe redistribution boosts equality, increases consumer demand, and funds public services like education and health, improving long-term outcomes.

Write an essay about the Role of MSMEs in the Indian Economy

Micro, Small, and Medium Enterprises (MSMEs) are vital to India’s economic fabric. They contribute nearly 30% to the GDP and provide employment to over 11 crore people, second only to agriculture. MSMEs promote entrepreneurship, regional development, and innovation across sectors, includingmanufacturing, services, and trade.

Despite their importance, MSMEs face challenges such as lack of access to credit, outdated technology, and limited market reach. Regulatory complexities and delayed payments further hinder their growth. The COVID-19 pandemic exposed their vulnerabilities, necessitating strong policy support.

The Indian government has launched several initiatives, including the Emergency Credit Line Guarantee Scheme (ECLGS), Udyam Registration, and MUDRA loans. These aim to formalize operations, improve credit flow, and boost productivity. Digital platforms and e-commerce also offer new opportunities for market expansion.

For MSMEs to thrive, reforms in ease of doing business, infrastructure upgrades, skill development, and faster dispute resolution are essential. Public-private partnerships and cluster-based development can improve competitiveness and innovation. MSMEs also play a crucial role in promoting inclusive and sustainable growth by supporting rural and semi-urban employment. Encouraging women-led and green enterprises can further widen their impact.

In conclusion, MSMEs are the engines of economic resilience and self-reliance. With the right support and reforms, they can significantly contribute to India’s goal of becoming a $5 trillion economy while ensuring equitable development across regions.

Write an email to the bank manager requesting a new chequebook.

Subject: Request for Issuance of a New Chequebook

Dear [Bank Manager’s Name],

I trust this email finds you well. I am reaching out to kindly request the issuance of a new chequebook for my bank account, as I have either exhausted my current cheques or require additional cheques for future transactions. Below, I have provided the relevant details of my account to facilitate this request:

• Account Name: [Your Name]
• Account Number: [Your Account Number] 

Kindly process this request at your earliest convenience. I would appreciate it if the chequebook could be issued and sent to my registered address or made available for collection at your branch. Please let me know if you need any further information such as identity verification, address proof, or any other forms, to ensure a smooth and timely completion of the process. 

Thank you for your assistance, and I look forward to your prompt response. 

Best regards,

[Your Full Name]

[Your Contact Information]

You are a Bank Manager, you conducted a financial literacy camp in a rural area to educate villagers about digital banking, loan schemes, and safe banking practices. Write a Report to Head Office to cover participation details, key takeaways, and the impact of the camp. 

Report on Financial Literacy Camp Conducted in Nearby Village

Date: February 18, 2025
To: Head Office
From: [Your name], Bank Manager
Subject: Report on Financial Literacy Camp at [Village Name]

Dear Sir/Madam,

I am pleased to submit the report on the Financial Literacy Camp organized by our branch in [Village Name] on [Date]. This initiative aimed to educate rural residents about digital banking, loan schemes, and safe banking practices to enhance their financial awareness.

Participation Details:

The camp witnessed an enthusiastic response, with over 500 villagers participating, including farmers, small business owners, and women entrepreneurs. Our bank staff, along with financial experts, conducted interactive sessions and demonstrations on various banking services.

Key Takeaways:

1. Digital Banking Awareness: Attendees were introduced to UPI transactions, mobile banking, and net banking. Live demonstrations were provided to ensure better understanding.
2. Loan Schemes & Government Subsidies: Information on agricultural loans, MSME financing, and government-sponsored credit schemes were shared. Many farmers expressed interest in availing of Kisan Credit Cards.
3. Safe Banking Practices: Awareness about online frauds, phishing attacks, and the importance of strong passwords was emphasized.

Impact of the Camp:

• Several participants registered for mobile banking and opened new accounts.

• Interest in availing loans under government schemes increased.

• Enhanced awareness among villagers regarding fraud prevention.

This initiative has significantly contributed to financial inclusion in the rural sector. We look forward to conducting more such camps in the future.

Best Regards,

[Your Name]

Bank Manager

A customer reports their debit/credit card as lost or stolen and demands an immediate replacement. How will you ensure security and process the replacement card request according to bank protocols? 

Situational Analysis - Handling a customer’s demand for the replacement of the last debit/credit card. When a customer reports his debit/credit card as lost or stolen, I would first acknowledge his concern and empathize with the situation. To ensure security, I would verify the customer's identity using personal information, security questions, or account details.
Next, I would immediately block the reported card to prevent any unauthorized transactions and confirm this action with the customer. I would then initiate the request for a replacement card, following bank protocols and confirming the delivery address for the new card. I’d explain to the customer the expected delivery time for the replacement card. Also, I would inform about any temporary card options available and guide him on how to activate the new card once received. Finally, I would document the incident in the system for audit purposes and ensure the customer’s account is secure. I’d also set up a follow-up to ensure the customer receives the card and is satisfied with the resolution. 

Precis Writing Topic: Women Empowerment and Gender Equality 

Original Passage

Women empowerment and gender equality are critical components of a just and progressive society. Empowering women means giving them the right to make choices, access education, participate in the workforce, and contribute to decision-making processes. Gender equality ensures that women and men have equal rights, responsibilities, and opportunities in all spheres of life.

Historically, women have faced social, economic, and political barriers that have limited their potential. Practices such as child marriage, lack of education, wage gaps, and underrepresentation in leadership roles continue to hinder their progress. However, global awareness and policy reforms have led to significant improvements. Many countries now have laws promoting women’s rights, including equal pay, maternity benefits, and protection against harassment.

Education is central to women empowerment. Educated women are more likely to participate in the workforce, make informed health decisions, and support the education of their children, creating a positive ripple effect on society. Financial independence further strengthens their status and reduces dependence.

Women’s participation in leadership, politics, and entrepreneurship is also vital. It leads to more inclusive and effective governance and stimulates innovation and economic growth. Despite progress, stereotypes, cultural norms, and structural inequalities remain major challenges. Addressing these requires coordinated efforts, including gender-sensitive education, media representation, and supportive legal frameworks.

True empowerment lies not just in individual achievement but in changing societal attitudes. A gender-equal society is not only fairer but also more prosperous, stable, and harmonious. The path to equality demands continuous advocacy, awareness, and action at every level of society. 

Precis

Women empowerment and gender equality are vital for creating a just and progressive society. Empowering women involves ensuring their access to education, decision-making, and financial independence, while gender equality guarantees equal rights and opportunities for all genders. Historically, women have faced numerous barriers like lack of education, wage gaps, and underrepresentation in leadership roles.

Although legal reforms and growing awareness have improved women’s rights in many countries, challenges such as cultural norms, stereotypes, and structural inequalities persist. Education plays a key role, as it leads to informed decisions, economic participation, and generational upliftment. Financial independence further enhances women’s social standing and autonomy.

Increasing women’s representation in politics, business, and leadership fosters inclusive governance and economic growth. Lasting empowerment requires shifting societal attitudes and promoting gendersensitive policies and education. A gender-equal society benefits everyone by being more stable, prosperous, and fair. Achieving this goal requires continuous commitment from individuals, institutions, and governments alike.