PFRDA Grade A 2025 (Gold)
PFRDA Grade A 2025 – Descriptive English (Course Description)
The Descriptive English Paper in PFRDA Grade A 2025 (Phase II) is a decisive component of the selection process. It evaluates a candidate’s ability to think critically, structure arguments, and communicate clearly in writing. This paper is common across all streams and carries 100 marks, covering Essay Writing, Precis Writing, and Comprehension.
This course is designed to provide complete mastery of the Descriptive English section with a structured approach, updated as per the 2025 official notification that newly emphasizes Comprehension along with Essay and Precis.
Through topic-wise lessons, solved examples, model essays, practice passages, and mock tests, aspirants will gain:
A clear understanding of the exam pattern, marking scheme, and evaluation parameters.
Deep insights into probable essay themes such as pensions, financial inclusion, social security, digital finance, capital markets, and investor protection.
Step-by-step training in Precis techniques, avoiding redundancy, and presenting the core message effectively.
Targeted practice in Comprehension to master information capture, inference, and critical analysis under time pressure.
Real-time strategies for typing, time management, and structured writing in the online exam interface.
By the end of this course, students will be equipped not only to score 80 safely in Paper-I but also to develop writing skills that will help in interviews and career growth within the financial regulatory sector.
Lessons
- 185 lessons
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Orientation Module - PFRDA Grade A
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Role of Descriptive English in selection
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Weightage in overall exam (Essay – 30, Precis – 30, Comprehension – 40 = 100 marks)
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Marking criteria (clarity, grammar, coherence, originality)
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Exam Pattern & Instructions
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Word limits, time management
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Online typing interface & best practices
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Common mistakes made by aspirants
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Strategy for 2025 Updates
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Focus on comprehension (newly emphasized)
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Trend analysis from recent exams (RBI/NABARD/SIDBI comparison)
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Introduction to Essay Writing
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Understanding essay prompts and requirements
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Pre-Writing Strategies for Essay Writing
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Structure and Organization of an Essay
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Developing a Thesis Statement
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Writing an Effective Introduction and Conclusion of an Essay
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Coherence and Logical Flow in Essay Writing
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Enhancing Vocabulary and Sentence Variety
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Common Mistakes to Avoid in Essay Writing
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Introduction to Pension Reforms & PFRDA
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Current scenario: NPS, Atal Pension Yojana
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Challenges: coverage, trust deficit, awareness
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Benefits: long-term savings, stability
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Global best practices: US 401(k), Chile, UK
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Way forward: literacy, digital onboarding, regulatory reforms
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Model Essay Outline - Pension Reforms in India
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Model Essay 200 words - Pension Reforms in India
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Model Essay 500 words: - Pension Reforms in India
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Intro: size of informal workforce
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Present schemes: APY, NPS-Lite
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Issues: low enrolment, income instability
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Benefits: social security net, dignity in retirement
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Global case: micro-pensions in Africa
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Solutions: incentives, awareness, tech-driven enrollment
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Model essay outline - Need for Expanding Pension Coverage in the Unorganized Sector
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Model Essay (200 words) - Need for Expanding Pension Coverage in the Unorganized Sector
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Model Essay (500 words) - Need for Expanding Pension Coverage in the Unorganized Sector
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Intro: Launch & evolution of NPS
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Current status: subscribers, corpus size
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Challenges: low trust, investment choices
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Benefits: portability, transparency, cost-efficiency
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International models - NPS
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Solutions: incentives, awareness, tech upgrade
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Essay outline - National Pension System (NPS)
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Model Essay (200 words) - NPS
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Model Essay (500 words) NPS
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Concept of retirement planning
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Current status in India (urban vs rural)
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Problems: low financial literacy, short-term mindset
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Prospects: growing middle class, digital finance
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Global models (Japan, US)
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Solutions: policy + awareness campaigns
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Essay Outline - Retirement Planning in India – Issues and Prospects
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Model Essay (200 words)- Retirement Planning in India – Issues and Prospects
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Model Essay (500 words) Retirement Planning in India – Issues and Prospects
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Intro: aging population in India
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Current Indian scenario (demographics, schemes)
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Challenges: healthcare, pensions, dependency ratio
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Benefits: if planned well → stability & dignity
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Global models: Nordic countries, Japan
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Way forward: integrated pension + health + insurance
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Essay outline - Social Security for an Aging Population.
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Model Essay (200 words) - Social Security for an Aging Population – Challenges: health care, pensions, dependency ratio
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Model Essay (500 words) - Social Security for an Aging Population
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Definition & importance - Financial Inclusion
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Present Indian scenario (PMJDY, DBT, APY)
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Issues: access, awareness, digital divide
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Benefits: pension, insurance, credit accessibility
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Global comparison (Bangladesh microfinance)
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Solutions: digital inclusion, literacy
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Essay outline - Financial Inclusion
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Model Essay (200 words) - Financial Inclusion and Its Role in Social Security
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Model Essay (500 words) - Financial Inclusion
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Intro: fintech & digital economy
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Current status: UPI, e-KYC, NPS online
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Challenges: cyber risk, exclusion
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Benefits: wider reach, efficiency, transparency
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Global cases: China, EU digital finance
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Solutions: cybersecurity, regulation, AI integration
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Essay Outline - Digital Transformation in Financial Services
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Model Essay (200 words) - Digital Transformation
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Model Essay (500 words) Digital Transformation in Financial services
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Intro: long-term funds and infra financing
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Present Indian scenario: NPS, EPFO investments
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Challenges: risk appetite, regulation, returns
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Benefits: stable capital for long-term infra
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Global best practices (Canada, Singapore)
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Way forward: diversified investments, PPP model
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Essay outline - Role of Pension Funds in Infrastructure Development
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Model Essay (200 words) - Role of Pension Funds in Infrastructure Development
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Model Essay (500 words)- Role of Pension Funds in Infrastructure Development
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Intro: 3 pillars of financial savings
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Current penetration & status in India
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Challenges: low awareness, mis-selling
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Benefits: stability, protection, wealth creation
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Global comparison: US, UK
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Solutions: integrated financial planning
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Essay outline - Insurance, Pension, and Mutual Funds – Pillars of Financial Stability
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Model Essay (200 words) - Insurance, Pension, and Mutual Funds – Pillars of Financial Stability
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Model essay (500 words) Insurance, Pension, and Mutual Funds – Pillars of Financial Stability (India, 2024–25)
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Intro: role of capital markets
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Current reforms: SEBI measures, demat boom
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Challenges: volatility, scams, retail awareness
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Benefits: growth of economy, retirement planning
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Global practices: US SEC model
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Way forward: strong regulation + investor education
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Essay outline - Capital Market Reforms and Investor Confidence in India
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Model essay (200 words) - Capital Market Reforms and Investor Confidence in India
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Model Essay (500 words) - Capital Market Reforms and Investor Confidence in India
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Intro: regulators (RBI, SEBI, IRDAI, PFRDA)
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Current framework & coordination
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Challenges: overlap, compliance burden
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Benefits: stability, investor trust
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Global models (FCA UK)
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Way Forward – Coordination, Fintech Regulation
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Essay Outline - Role of Regulatory Bodies in Strengthening India’s Financial Ecosystem
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Model Essay (200 Words) - Role of Regulatory Bodies
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Model Essay (500 words) - Role of Regulatory Bodies in Strengthening India’s Financial Ecosystem
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Introduction: Social Security and the Sustainable Development Goals (SDGs)
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India’s current status
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Challenges: gaps in coverage, funding
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Benefits: inclusive growth, social welfare
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Global perspective: UN reports
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Solutions – Integrated Policies : - Social Security and SDGs
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Essay outline - Social Security and Sustainable Development Goals (SDGs)
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Model Essay (200 words) - Social Security and Sustainable Development Goals (SDGs)
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Model essay (500 words) on “Social Security and Sustainable Development Goals (SDGs)”.
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Introduction: Need for Public–Private Partnership (PPP) in Pensions
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Current status: APY, NPS with private players
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Issues: trust, mis-selling, regulation
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Benefits: innovation + wider reach - PPP in Pension and Insurance Sector
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Global models: US, Chile
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Solutions: strict regulation + incentives
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Model Essay (in 200 words) - Public–Private Partnership in Strengthening Pension & Insurance Sector
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Model Essay (500 words) - Public–Private Partnership in Strengthening the Pension & Insurance Sector.
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Introduction: Why financial literacy matters for retirement
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Key concepts: interest, compounding, inflation, risk, asset allocation
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Gaps & challenges in financial literacy (global / India)
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Role of educational institutions, employers, regulators
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Tools & interventions (workshops, digital apps, nudges)
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Impact: link to better retirement outcomes
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Policy Suggestions & Way Forward
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Essay Outline - Importance of Financial Literacy in Retirement Planning
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Model Essay (200 words) - Importance of Financial Literacy in Retirement Planning
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Model Essay (500 words) Importance of Financial Literacy in Retirement Planning
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Introduction: Role of Government in Social Security
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Classification of schemes (pension, health, disability, unemployment, subsidy)
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Success stories & case studies (domestic / international)
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Key limitations & implementation challenges (coverage gaps, fiscal sustainability, leakage)
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Innovations & reforms to improve schemes
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Comparative perspectives
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Conclusions & recommendations - government schemes for social security
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Essay outline - Government Schemes for Social Security
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Model Essay (200 words) - Government Schemes for social security
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Model Essay (500 Words)- Government Schemes for Social Security – Success and Limitations
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Introduction: the concept of the demographic dividend
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Demographic transition & implications for dependency ratios
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Why pension systems are pivotal in such a context
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Challenges Posed by Youth Bulge, Ageing, and Migration
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Models of Pension Systems Suited for Demographic Dynamics
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Policy choices & reforms
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Summary - Demographic dividend and Pension System
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Essay outline - Demographic Dividend and Pension System
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Model Essay (200 words) - Demographic dividend and Pension System
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Model Essay (500 words) - Demographic Dividend and Pension System
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Introduction: what is green finance and ESG investing
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Growing global trend & regulatory push
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Why pension funds matter for ESG / green finance (long horizon, large assets)
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Strategies: ESG integration, impact investing, green bonds, sustainable portfolios
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Risks, measurement & challenges (greenwashing, returns, standards)
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Case studies (global, India)
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Policy & regulatory enablers
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Conclusion - Green Finance and ESG Investing
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Essay outline - Green Finance and ESG Investing – Scope for Pension Funds
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Model Essay (200 words) - Green Finance and ESG Investing
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Model Essay (500 words) - Green Finance and ESG Investing
Course Overview
The Descriptive English Paper (Phase II) of PFRDA Grade A 2025 is one of the most crucial filters in the selection process. Carrying 100 marks, this paper tests a candidate’s ability to read, analyze, and express ideas clearly in writing. It covers Essay Writing, Precis Writing, and Comprehension – skills that reflect a candidate’s intellectual depth, clarity of thought, and professional communication abilities.
In 2025, Comprehension has been given greater emphasis along with Essay and Precis, highlighting the regulator’s focus on analytical reading and reasoning.
Our Bank Whizz Descriptive English Course is designed to provide 360° preparation – from conceptual clarity to exam practice – ensuring that aspirants can secure high marks (80 ) safely and stand out in the merit list.
What You’ll Learn
Essay Writing
Fundamentals: structure, coherence, clarity.
Practice on 20 most probable topics (Pension reforms, Social Security, Financial Inclusion, Capital Markets, ESG, etc.).
Model essays with outlines and scoring parameters.
Precis Writing
Golden rules of condensation.
Removing redundancy and presenting the central idea.
20 practice passages with solutions and commentary.
Comprehension (newly emphasized)
Reading strategies (skimming, inference, reasoning).
Practice sets with financial, regulatory, and social policy passages.
Model answers with examiner’s perspective.
Language & Vocabulary Support
Finance, economics, and regulatory terminology.
Vocabulary-in-context practice.
Grammar essentials for professional writing.
Mock Tests & Evaluation
Full-length descriptive tests (Essay Precis Comprehension).
Detailed evaluation with scorecards, feedback, and improvement tips.
Why Choose This Course?
Exam-Specific: Tailored to the official 2025 PFRDA Notification.
Expert Content: Designed by professionals with regulatory exam expertise.
Practical Approach: Balance of theory practice evaluation.
High ROI: Aimed at securing safe marks (80 ) in a paper where many struggle.
Beyond Exam: Builds strong communication skills useful for interviews & career growth.
Who Should Enroll?
Aspirants targeting PFRDA Grade A 2025 (all streams).
Candidates who find Essay/Precis/Comprehension challenging.
Those who want evaluated practice rather than just study material.
Serious aspirants aiming for top scores in Phase II and a smooth transition to the interview.
Outcome
By completing this course, you will:
Master all three areas of Descriptive English (Essay, Precis, Comprehension).
Be exam-ready with evaluated mocks, model answers, and structured notes.
Gain the confidence to secure 80 marks in Paper-1, making your final selection highly probable.
Build a writing style that helps in interviews, reports, and professional communication in the regulatory sector.