उपर्युक्त परिच्छेद में निम्नलिखित में से कौनसा सन्देश अनिवार्यतः अंतर्निहित है ?
Read this question in English
Which one of the following is the message that is essentially implied in the above passage?
(a) Need for more automation and more products of banks · (b) Need for a radical restructuring of our entire public finance system · (c) Need to integrate banking and non-banking institutions · (d) Need to promote financial inclusion
उत्तर और व्याख्या · explanation in English
Answer: (d) वित्तीय समावेशन को संवर्धित करने की आवश्यकता
Banking has been restructured to serve mainly the middle and upper-middle classes, and the passage calls for an agenda that 'does not exclude the common man'. Bringing excluded people into banking and finance is financial inclusion.
- ✗ (a) More automation and products is what has already happened — for the better-off.
- ✗ (b) The passage is about banking and non-banking financial services, not the whole public finance system.
- ✗ (c) Merging the two kinds of institutions is not suggested.
- ✓ (d) A new agenda 'that does not exclude the common man' is financial inclusion.
Remember · Name the idea the author describes without naming it — 'does not exclude the common man' means financial inclusion.
Question and answer: UPSC's official GS Paper II (2016, Series A) — paper ↗ · answer key ↗. Explanation: Minimalist IAS, checked 30 Sept 2026 (how we verify). ·