Introduction
The SIDBI Grade A 2025 Descriptive English Paper is more than a language test—it’s a judgment of your clarity of thought, precision in communication, and ability to express complex ideas in simple yet impactful words. Examiners evaluate essays, précis, and letters/comprehension not only for grammar and structure but also for vocabulary and expressions that enhance readability.
While fancy jargon is unnecessary, the right set of words and key expressions can instantly make your writing stand out. This article provides a ready-to-use vocabulary bank with connectors, impactful phrases, banking-specific terminology, and business communication expressions to help you maximize your score.
Why Vocabulary & Expressions Matter in Descriptive English
- Demonstrates clarity – Strong words convey meaning without confusion.
- Shows awareness – Banking and policy terms reflect your subject knowledge.
- Adds professionalism – Expressions in letters and reports enhance formal tone.
- Saves time – Having phrases ready avoids hesitation during typing.
Section 1: Power Verbs for Essays
Using dynamic verbs adds strength to arguments. Replace weak words like do, make, give with powerful alternatives.
| Weak Verb | Better Alternative | Example |
|---|---|---|
| Make | Formulate, Establish | “The government formulated policies for MSMEs.” |
| Give | Provide, Extend, Facilitate | “SIDBI facilitates credit access.” |
| Do | Implement, Execute, Carry out | “RBI executed monetary policy measures.” |
| Show | Demonstrate, Illustrate, Reveal | “The data illustrates progress in digital banking.” |
| Help | Support, Assist, Enable | “Digital tools enable financial inclusion.” |
Section 2: Connectors for Logical Flow
Examiners appreciate essays that flow logically. Use connectors to link ideas smoothly.
For Adding Points
- Moreover, In addition, Furthermore, Along with this
For Contrasting Ideas
- However, On the other hand, Nevertheless, Yet, Despite this
For Explaining Cause–Effect
- Therefore, As a result, Consequently, Owing to, Hence
For Giving Examples
- For instance, Such as, To illustrate, Namely
For Concluding
- In conclusion, To sum up, Ultimately, Thus, Overall
Example in essay:
“Digital finance has boosted inclusion. Moreover, it has reduced dependency on cash. However, cybersecurity remains a concern. Therefore, regulators must strengthen safeguards.”
Section 3: Banking & Economy Vocabulary
Since SIDBI essays often revolve around MSMEs, finance, economy, and technology, here’s a list of useful terms:
- Financial Inclusion – bringing underserved sections into formal banking.
- Credit Flow – movement of loans/financing to sectors.
- Liquidity Crunch – shortage of funds in system.
- Development Finance Institution (DFI) – specialized institutions like SIDBI, NABARD.
- Priority Sector Lending (PSL) – RBI-mandated lending to key sectors.
- Non-Performing Assets (NPAs) – default loans.
- Digital Ecosystem – integrated digital platforms enabling finance.
- Green Finance – financing projects with environmental benefits.
- Infrastructure Gap – lack of adequate physical and digital infrastructure.
- Economic Resilience – ability of economy to withstand shocks.
Sentence Example:
“MSMEs face a persistent liquidity crunch, making priority sector lending and SIDBI’s refinancing role more critical.”
Section 4: Key Expressions for Essay Intros & Conclusions
Impactful Introductions
- “The backbone of India’s economy, MSMEs, require robust policy support to realize their full potential.”
- “In an era dominated by digital transformation, banking is no longer confined to branches but exists in every smartphone.”
- “Climate change is not just an environmental issue but a financing challenge requiring innovative green bonds.”
Strong Conclusions
- “A balanced approach, combining innovation with regulation, will determine India’s journey to a $5 trillion economy.”
- “SIDBI’s role in MSME development highlights how targeted finance can achieve both growth and inclusion.”
- “Ultimately, descriptive writing in competitive exams is about presenting ideas clearly, concisely, and convincingly.”
Section 5: Vocabulary for Precis Writing
Precis requires compression without losing meaning. Strong words save space.
| Long Phrase | Concise Word |
|---|---|
| Very important | Crucial / Vital |
| Bring into effect | Implement |
| Make better | Improve / Enhance |
| Keep safe | Safeguard |
| Come together | Converge / Unite |
| Growth in business | Expansion |
| Rise in prices | Inflation |
| Reduce gradually | Curtail / Diminish |
Example:
Original: “The government is taking steps to make conditions better for start-ups.”
Precis version: “The government implements policies to enhance start-up ecosystem.”
Section 6: Key Expressions for Business/Office Correspondence
In SIDBI descriptive papers, letters/emails must reflect formal, professional tone.
Opening Lines
- “This is with reference to your request regarding…”
- “We would like to inform you that…”
- “I am writing to bring to your notice…”
Requesting Action
- “We kindly request you to…”
- “You are advised to…”
- “We seek your cooperation in…”
Polite Closings
- “Thank you for your continued association.”
- “We look forward to your support.”
- “Kindly treat this as urgent and oblige.”
Model Expression:
“This is with reference to your loan restructuring request. We seek your cooperation in providing the necessary documents at the earliest. Kindly treat this as urgent.”
Section 7: Expressions for Reading Comprehension
When answering RC questions, using precise academic words creates a good impression.
- Tone Words: Analytical, Optimistic, Critical, Supportive, Balanced
- Inference Words: Suggests that, Implies, Indicates, Highlights
- Agreement Words: In line with, Consistent with, Reinforces
Example Answer:
“The author’s tone is optimistic, as the passage highlights digital banking achievements while suggesting improvements.”
Section 8: Commonly Misused Words (and Better Alternatives)
- A lot of → Numerous / Several
- Thing → Aspect / Factor / Element
- Good → Effective / Productive / Beneficial
- Bad → Adverse / Detrimental / Harmful
- Big → Significant / Substantial
Sentence Example:
Instead of “MSMEs face a lot of problems,” write:
“MSMEs face numerous challenges, including credit access and compliance burden.”
Section 9: Abstract & General Essay Vocabulary
Some essay topics may be abstract—ethics, leadership, youth. Expressions to use:
- Leadership: Visionary, Accountable, Integrity-driven
- Youth: Demographic dividend, Innovation hub, Change agents
- Society: Inclusive growth, Social equity, Collective responsibility
- Work Culture: Productivity, Work-life balance, Employee well-being
Section 10: Exam-Day Hacks for Using Vocabulary Effectively
- Don’t Overload: Use 3–4 advanced words per answer, not every sentence.
- Clarity First: If unsure of meaning, avoid the word. Wrong use backfires.
- Blend with Simplicity: Mix strong words with clear language.
- Practice Contextual Use: Write short essays daily with 5 new words.
- Revise Phrases Before Exam: Keep a one-page vocabulary sheet handy.
Sample Mini Essay Using Expressions
Topic: Role of Fintech in Financial Inclusion
Intro:
“In an era dominated by digital ecosystems, fintech innovations have become crucial in advancing financial inclusion, particularly among underserved communities.”
Body:
“These platforms facilitate credit flow through alternative scoring models, thereby enabling economic resilience. Moreover, they converge with government initiatives like Jan Dhan and UPI to create a robust digital financial ecosystem.”
Conclusion:
“Ultimately, fintech acts as a catalyst for inclusive growth, bridging the gap between innovation and accessibility.”
Conclusion
The SIDBI Grade A 2025 Descriptive English Paper is not about flowery language but about clarity, professionalism, and precision. Using the right vocabulary and key expressions helps you present structured, impactful answers in essay, precis, and correspondence.
By practicing these words and phrases in advance, you will not only save time but also impress examiners with polished, exam-ready writing. Remember—simplicity with power is the golden rule of descriptive writing.