📝 Introduction
The Descriptive English Paper of PFRDA Grade A 2025 Phase II is a scoring but challenging part of the exam. With just 60 minutes to complete an Essay (30 marks), Precis (30 marks), and Reading Comprehension (40 marks)—quality, structure, and time management become crucial.
In this post, we present sample responses for all three sections—Essay, Precis, and RC—along with evaluation tips that can help you identify what examiners expect and how to avoid common mistakes.
🧾 Overview of PFRDA Descriptive English Paper
| Section | Marks | Time Suggestion | Word Limit |
|---|---|---|---|
| Essay Writing | 30 | 25–27 minutes | 250–300 words |
| Precis Writing | 30 | 15–17 minutes | ~170 words (1/3rd rule) |
| Reading Comprehension | 40 | 12–15 minutes | 5 subjective Qs |
✍️ Sample Essay – Topic: Role of NPS in Retirement Planning
Word Count: 280
Marks Targeted: 27–30
Introduction:
Retirement planning is no longer a luxury but a necessity in modern India. With changing family structures and rising life expectancy, long-term financial security for the elderly has become a national concern. The National Pension System (NPS), introduced by the Government of India, has emerged as a critical tool for this purpose.
Body:
The NPS offers a structured and low-cost platform for individuals to contribute towards a pension fund during their working years, ensuring financial support after retirement. Its tax benefits, portability, and flexibility make it an ideal instrument for both salaried and self-employed professionals.
However, its penetration is still limited among the unorganised workforce. Lack of awareness, digital illiteracy, and inconsistent income patterns are key challenges. The Pension Fund Regulatory and Development Authority (PFRDA) has been actively promoting NPS through digital campaigns and financial literacy initiatives.
Conclusion:
To make NPS truly universal, more inclusive outreach programs and employer-linked incentives are required. If implemented well, NPS has the potential to transform India’s pension landscape and ensure a financially secure future for all citizens.
✅ Essay Evaluation Tips
- Structure matters: Clear introduction, logical body, crisp conclusion
- Stay relevant: Don’t drift from the topic
- Use transition words: Therefore, Moreover, In addition
- Don’t exceed the word limit
- Avoid repetition and filler content
- Check grammar, punctuation, and sentence structure
✂️ Sample Precis – Based on a Passage on Financial Literacy
Original Passage Summary:
A 500-word passage discusses the role of financial literacy in helping individuals make informed decisions, especially related to savings, investments, pensions, and insurance. It highlights low financial awareness in rural India and explains how schemes like NPS, APY, and PMJDY can only be effective if financial education reaches the grassroots. It concludes by recommending that financial literacy should be a part of school curriculum and community outreach.
Precis (Word Count: 172):
Title: Importance of Financial Literacy in India
Financial literacy is vital for enabling individuals to make informed financial decisions about saving, investing, insurance, and retirement planning. In India, especially rural regions, the lack of such awareness limits the effectiveness of government schemes like NPS, Atal Pension Yojana, and Jan Dhan Yojana. Despite several initiatives by regulatory bodies and banks to spread awareness, challenges persist due to digital illiteracy and limited access to financial education. To bridge this gap, it is essential to integrate financial literacy into school curricula and conduct extensive community-based programs. Enhancing financial literacy is crucial to achieving inclusive growth and economic empowerment.
✅ Precis Evaluation Tips
- Stick to the 1/3rd rule
- Begin with the core idea of the passage
- Avoid examples and specific statistics unless essential
- Use your own words – no copying from the original
- Write in a single paragraph (unless asked otherwise)
- Ensure logical flow and neutral tone
- Use formal, concise language
📖 Sample Reading Comprehension
Passage (Excerpt):
The rise of digital banking in India has created new opportunities and risks. While UPI and mobile banking apps have made transactions seamless, cybersecurity threats have also risen sharply. According to a report, financial frauds involving phishing and identity theft have increased 3x in the past 2 years. The RBI and banks have introduced customer awareness programs, yet digital illiteracy remains a hurdle. For digital banking to succeed fully, a balance between technology and consumer education must be achieved.
📄 Sample Questions and Answers
1. What is the main theme of the passage?
The passage highlights the dual impact of digital banking in India—its convenience and the associated cybersecurity risks.
2. What are the benefits of digital banking mentioned in the passage?
Digital banking offers seamless transactions through UPI and mobile apps, improving financial access and user experience.
3. What has been the major concern arising from digital banking?
A sharp increase in financial frauds, particularly phishing and identity theft, is a key concern.
4. What has RBI done to address digital fraud?
RBI has launched awareness programs to educate customers about safe digital practices.
5. What does the author suggest is necessary for digital banking success?
The author emphasizes the need to balance technological advancements with strong consumer education efforts.
✅ RC Evaluation Tips
- Don’t copy-paste lines from the passage
- Answer in complete sentences
- Stick to the question—be direct and accurate
- Avoid personal opinions or vague generalizations
- Use the author’s viewpoint, not your interpretation
- Mind your grammar and sentence construction
🎯 Final Words
The Descriptive English Paper in PFRDA Grade A 2025 is not just about English—it tests your clarity of thought, writing skill, and ability to present ideas under time pressure.
Use these sample answers and evaluation tips as templates to structure your preparation. Consistent practice, regular feedback, and time-bound writing are key to cracking this section.
At Bank Whizz, we offer:
- Full-length descriptive mocks
- Model answers and evaluation
- Personalized feedback with scoring rubric
- Live doubt-clearing sessions