Read the following passage about public sector banks and answer the question. According to the passage, what would happen to banks if they failed to adopt novel and pragmatic techniques?

Introduction / Context:
The passage about public sector banks in India emphasises that these institutions must modernise. They must not cling only to conservative methods but should adopt new and practical techniques if they want to survive. This question asks what the passage says will happen if such novel and pragmatic techniques are not adopted.

Given Data / Assumptions:

• Public sector banks are in a transitional period and stand at a crossroads.
• They must balance social responsibility, profitability, and healthy risk taking.
• The passage clearly states that novel and pragmatic techniques should be adopted.
• It warns that without these techniques, banks would be in danger.
• No mention is made of social commitment weakening or talent being revealed as a result of ignoring such techniques.

Concept / Approach:
This is a factual question that depends entirely on a specific line in the passage. The correct approach is to recall or reread the sentence that mentions novel and pragmatic techniques, and then identify the consequence the author attaches to not adopting them. The answer must be in the same spirit and meaning as the original text.

Step-by-Step Solution:

Verification / Alternative check:
An alternative check is to look at the other options and see whether any of them is mentioned or implied in the passage. The text does not connect the neglect of new techniques with weakening social commitment, revelation of talent, or any narrow issue such as inefficient portfolio management alone. The danger referred to is broader, covering the very survival and health of the banks. Therefore, option a is the only consistent and complete answer.

Why Other Options Are Wrong:

• Option b: The passage never states that social commitment will be undermined by not using novel techniques.
• Option c: There is no suggestion that hidden talent will be revealed when techniques are ignored.
• Option d: While poor management may be a problem, the passage speaks of a more serious and general danger, not just one technical issue.

Common Pitfalls:
Candidates may be tempted to over interpret terms like “novel” and “pragmatic,” assuming they relate directly to efficiency or new talent. Others may try to inject ideas about social responsibility even where the text does not link them. The safe and accurate method in reading comprehension is to stay close to the wording of the passage and avoid inserting meanings that are not clearly stated.

Final Answer:
It will put the banks in danger. is the correct answer, as the passage clearly warns that without novel and pragmatic techniques, banks will be in danger.