Kerala SSLC English study materials
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Kerala SSLC English practice questions

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Question 1Reading Comprehension

Read this passage: "Anita had planned to walk to school, but the rain began just as she stepped outside. She returned for her umbrella, then found the front door had locked behind her." Which statement best captures the turning point of the passage?

  1. The rain begins as Anita steps outside
  2. The front door locks behind Anita Correct answer.
  3. Anita decides to walk to school
  4. Anita goes back inside to fetch her umbrella

Explanation

A turning point is the moment that changes the situation and sets up the complication. Fetching the umbrella is a routine response to rain, but the door locking behind her creates the real problem the passage leaves unresolved.

Question 2Reading Comprehension

In the sentence "The old bridge, which had stood for a century, collapsed during the flood," what is the grammatical function of the clause "which had stood for a century"?

  1. It is a non-defining relative clause giving extra information Correct answer.
  2. It is a noun clause acting as the object of "collapsed"
  3. It is a defining relative clause identifying the bridge
  4. It is an adverbial clause of time

Explanation

The clause is enclosed in commas and adds descriptive detail about a bridge already identified by "the old bridge". Removing it would not change which bridge is meant, so it is non-defining.

Question 3Reading Comprehension

Which option states the main idea of a paragraph that describes how a village built bamboo bridges, trained volunteers, and organised flood drills before the monsoon?

  1. The village prepared carefully for the monsoon season Correct answer.
  2. Bamboo is a cheap building material
  3. Monsoons cause damage in many districts
  4. Volunteers enjoy working during floods

Explanation

A main idea must cover all the supporting details rather than one of them. Bridges, trained volunteers and drills are all examples of advance preparation, so the summary must name that preparation.

Question 4Reading Comprehension

A notice reads: "Students wishing to join the quiz club should submit their names to the class teacher by Friday; late entries will not be considered." What does the notice imply about a student who submits a name on Monday of the following week?

  1. The student must pay a small fine
  2. The student's entry will not be accepted Correct answer.
  3. The student will be added to a waiting list
  4. The student may join after a short interview

Explanation

The notice states that late entries will not be considered, and the following Monday falls after the Friday deadline. Therefore the implied outcome is rejection of the entry, not a conditional or alternative route.

Question 5Reading Comprehension

In the sentence "She spoke so softly that nobody could hear her," the underlined structure "so softly that nobody could hear her" expresses which relationship?

  1. A condition that may or may not be fulfilled
  2. A sequence of two actions happening one after another
  3. Contrast between two equally important actions
  4. Cause and effect between the degree of softness and the result Correct answer.

Explanation

The pattern "so + adverb + that" links an extreme degree to its consequence. The softness of her speech directly produces the result that nobody could hear, which is a cause-and-effect link.

Question 6Reading Comprehension

Read this extract: "The market was a river of colour: pyramids of mangoes, coils of jaggery, and mounds of red chillies." Which figure of speech is used in "The market was a river of colour"?

  1. Personification
  2. Simile
  3. Onomatopoeia
  4. Metaphor Correct answer.

Explanation

A metaphor states that one thing is another without using "like" or "as". The market is directly called a river of colour, transferring the idea of flow and abundance onto the scene.

Question 7Reading Comprehension

A passage describes a farmer who refuses to sell his ancestral land, then sells it to pay for his daughter's medical treatment. Which theme is best supported by this development?

  1. Land ownership is legally complicated
  2. Medical treatment is easily available
  3. Practical need can override deep attachment Correct answer.
  4. Tradition always defeats love

Explanation

The farmer's initial refusal shows attachment, and the sale shows that a stronger need takes priority. The theme must account for both halves of the change, which is the tension between attachment and necessity.

Question 8Reading Comprehension

Which word from the sentence "The anxious travellers waited wearily for the delayed announcement" carries a negative shade of meaning?

  1. waited
  2. announcement
  3. delayed
  4. wearily Correct answer.

Explanation

Connotation is the feeling a word carries beyond its literal sense. "Wearily" suggests tiredness and discouragement, giving the strongest negative shading among the options, while the others are relatively neutral.

Question 9Reading Comprehension

"If I had known about the early train, I would have reached the exam hall on time." What does this sentence tell us about the speaker's actual situation?

  1. The speaker did not know about the early train and arrived late Correct answer.
  2. The speaker will take the early train next time
  3. The speaker knew about the train but chose not to take it
  4. The speaker reached on time because of the early train

Explanation

The third conditional describes an imagined past that did not happen. Since the result clause says he would have been on time, the real past must be that he lacked the information and was late.

Question 10Reading Comprehension

In a dialogue, a character says, "Fine, do whatever you like." The stage direction reads: "(turning away, voice flat)". What does the stage direction suggest about the character's real feeling?

  1. Excitement about a new idea
  2. Genuine approval of the other person's plan
  3. Confusion about what was said
  4. Reluctant surrender rather than real agreement Correct answer.

Explanation

Stage directions reveal tone that the words alone may hide. A flat voice and turning away contradict the words "fine" and "whatever you like", showing grudging acceptance rather than true consent.

Question 11Reading Comprehension

Which sentence uses the article correctly in a formal report about a school event?

  1. The principal inaugurated an annual sports meet yesterday.
  2. An principal inaugurated a annual sports meet yesterday.
  3. Principal inaugurated the annual sports meet yesterday.
  4. A principal inaugurated the annual sports meet yesterday. Correct answer.

Explanation

The definite article is used for something already specified, such as a particular school's annual meet, while "a" introduces the principal as one of many. The second option follows both rules and reads naturally in a report.

Question 12Reading Comprehension

A travel brochure says: "Our resort offers a serene escape, far from the clamour of city life." What is the meaning of "serene" as used here?

  1. Crowded and lively
  2. Remote and difficult to reach
  3. Calm and peaceful Correct answer.
  4. Expensive and luxurious

Explanation

Context clues come from the contrast with "clamour of city life". Since the resort is far from noise, "serene" must mean calm and peaceful, which fits the contrast perfectly.

Question 13Reading Comprehension

Which option best explains why a writer begins a paragraph with "Above all, the scheme was cheap"?

  1. To indicate that the previous point was false
  2. To introduce a completely new topic
  3. To suggest that cost is unimportant
  4. To show that this point is the most important of those listed Correct answer.

Explanation

The linking phrase "above all" ranks one point as the strongest among several already given. It signals emphasis and priority rather than a change of subject or a correction.

Question 14Reading Comprehension

Read this passage: "The librarian looked at the returned book, then at the boy. 'The pages are torn,' she said quietly. The boy stared at his shoes." What can be inferred about the boy's reaction?

  1. He feels ashamed or uncomfortable Correct answer.
  2. He is angry with the librarian
  3. He does not understand English
  4. He is proud of what he did

Explanation

Inference draws on behaviour rather than stated emotion. Staring at his shoes after being told about the torn pages is a classic sign of embarrassment, and the librarian's quiet tone suggests a serious but not angry exchange.

Question 15Reading Comprehension

In the sentence "Having finished the experiment, the students recorded their observations," what does the opening phrase indicate?

  1. An action completed before the main action Correct answer.
  2. A reason that is uncertain
  3. A condition for the main action
  4. An action happening at the same time as the main action

Explanation

A perfect participle phrase with "having + past participle" marks an action finished before the action of the main clause. The experiment was completed first, and the recording followed.

Question 16Reading Comprehension

Which option correctly reports the direct speech: Ravi said, "I will submit my project tomorrow"?

  1. Ravi says that he would submit his project tomorrow.
  2. Ravi said that he would submit his project the next day. Correct answer.
  3. Ravi said that he will submit his project tomorrow.
  4. Ravi said that I would submit my project the next day.

Explanation

In reported speech after a past reporting verb, "will" becomes "would" and "tomorrow" becomes "the next day". The pronoun also shifts from "I" to "he" to match the speaker.

Question 17Reading Comprehension

A notice board reads: "Water tanks cleaned on Saturday. Kindly store water for the day." Which conclusion follows most directly?

  1. The cleaning will take several weeks
  2. The tanks were found to be damaged
  3. Residents must pay for the cleaning
  4. Water supply will be interrupted on Saturday Correct answer.

Explanation

The instruction to store water for the day is the clue. If residents must keep their own supply ready, the piped supply is likely to be unavailable during the cleaning.

Question 18Reading Comprehension

In the phrase "a deafening silence", what is the effect of the adjective "deafening"?

  1. It shows that the people were unable to hear
  2. It indicates that the room was empty
  3. It creates an oxymoron that stresses how heavy the silence felt Correct answer.
  4. It literally describes a loud noise

Explanation

Silence cannot literally deafen, so the adjective clashes with the noun to form an oxymoron. The clash conveys intensity of feeling, suggesting the silence was so complete it seemed overwhelming.

Question 19Reading Comprehension

Which option best describes the function of the final sentence in a well-structured argumentative paragraph?

  1. It introduces the first supporting example
  2. It introduces an unrelated new topic
  3. It restates the main claim and closes the argument Correct answer.
  4. It lists all the sources used by the writer

Explanation

In argumentative structure, the final sentence usually returns to the claim and reinforces it after the evidence. This gives the paragraph a sense of closure and reminds the reader of the position defended.

Question 20Reading Comprehension

Read this extract: "Every morning the fisherman mended his nets, checked his boat, and walked to the shore before dawn. He had done this for forty years." What does the repetition of routine suggest about the character?

  1. He is careless about his work
  2. He dislikes the sea
  3. He is planning to give up fishing
  4. He is disciplined and devoted to his trade Correct answer.

Explanation

The list of careful daily actions, repeated over forty years, builds a picture of steady discipline. The writer uses habitual detail rather than direct statement to reveal the character's dedication.

Question 21Reading Comprehension

Which sentence uses the passive voice appropriately for an official announcement?

  1. They are publishing results, aren't they?
  2. The results will be published on the school website. Correct answer.
  3. Someone will publish results somewhere.
  4. The school will publish the results on the website.

Explanation

The passive is useful in official notices when the doer is obvious or unimportant and the focus should fall on the information itself. Here the results are the important element, so the passive reads formally and impersonally.

Question 22Reading Comprehension

A short story ends: "She closed the letter and placed it back in the drawer, where it would stay." What effect does this ending create?

  1. A clear promise of future action
  2. A sudden burst of comic relief
  3. A detailed explanation of the letter's contents
  4. A sense of unresolved quiet and acceptance Correct answer.

Explanation

The calm, final actions and the phrase "where it would stay" suggest a decision to leave things as they are. The ending is quiet and open, inviting the reader to sense resignation rather than action.

Question 23Reading Comprehension

Which option correctly combines the two sentences using a concessive linker: "The team practised daily. They lost the final match."

  1. The team practised daily because they lost the final match.
  2. Although the team practised daily, they lost the final match. Correct answer.
  3. The team practised daily, so they lost the final match.
  4. The team practised daily and they lost the final match.

Explanation

A concessive linker signals that the second idea is surprising given the first. "Although" correctly sets up the contrast between hard practice and an unexpected defeat.

Question 24Reading Comprehension

In the sentence "Had the warning been given earlier, the villagers could have moved to safety," what is the effect of beginning with "Had the warning been given"?

  1. It states a fact that actually happened
  2. It creates a formal conditional by omitting "if" Correct answer.
  3. It makes the sentence a question about the past
  4. It turns the sentence into a command

Explanation

Inversion of the auxiliary and subject can replace "if" in formal conditional sentences. The meaning remains hypothetical, but the inverted form sounds more formal and literary than "If the warning had been given".

Question 25Reading Comprehension

A poster reads: "Save water today so that tomorrow does not run dry." Which persuasive technique is mainly used?

  1. Appealing to the reader's concern for the future Correct answer.
  2. Quoting an expert's opinion
  3. Presenting statistical evidence
  4. Using a humorous comparison

Explanation

The poster links a present action to a future consequence, which appeals to the reader's sense of responsibility. This is a persuasive appeal to future wellbeing rather than a factual or expert-based argument.

Question 26Reading Comprehension

A Kerala SSLC passage begins: "The monsoon arrived without warning that June, and the paddy fields of Kuttanad turned into a single silver mirror overnight." Which reading of the underlined image is most accurate?

  1. The paddy crop had ripened to a silvery white colour
  2. The fields had dried and hardened under strong sunlight
  3. The fields reflected light because they were flooded with rainwater Correct answer.
  4. The farmers had polished the fields for a harvest festival

Explanation

The image compares the flooded fields to a mirror, and a mirror works by reflecting. Since the change happened overnight in the monsoon, the cause is standing rainwater, not ripening or drying. The comparison therefore conveys the extent of the flooding visually.

Question 27Reading Comprehension

Read this line from a story set in a hill village: "The bus was late again, so the passengers sat on the parapet wall, sharing bananas and complaints in equal measure." What does the phrase "sharing bananas and complaints in equal measure" mainly suggest?

  1. The passengers had brought no food and were begging for bananas
  2. The passengers ate far more bananas than they spoke
  3. The bus company had supplied bananas as compensation for the delay
  4. Complaining had become as routine and sociable as eating together Correct answer.

Explanation

The phrase balances two activities, eating and grumbling, and presents both as equally habitual. The relaxed setting on the wall shows the waiting is a familiar routine rather than a crisis. The humour lies in treating complaint as ordinary companionship.

Question 28Reading Comprehension

A notice in a school corridor reads: "Students are requested to deposit library books before the half-yearly examination, as the library will remain closed for stock verification." According to the notice, what is the reason for returning books early?

  1. The examination hall will be set up inside the library
  2. Students will be fined for every day the book is kept
  3. The library will be shut while its collection is checked Correct answer.
  4. The librarian will issue new books only after the examination

Explanation

The notice states the library will remain closed for stock verification, which means the collection is being counted and checked. Returning books before that closure is therefore necessary. The other options add penalties or arrangements the notice never mentions.

Question 29Reading Comprehension

Read this extract: "Ammini's shop opened at six, but the first customer rarely came before eight. She used the two quiet hours to arrange the shelves, dust the jars, and write the day's prices on a slate." What do these two hours mainly reveal about Ammini?

  1. She was losing money because the shop opened too early
  2. She was unable to sleep and opened the shop for company
  3. She used the empty hours for careful preparation Correct answer.
  4. She preferred to serve customers only in the afternoon

Explanation

The extract lists arranging, dusting and writing prices, all tasks of preparation. Opening early is presented as a routine she fills productively. No detail suggests loss, refusal to serve, or sleeplessness.

Question 30Reading Comprehension

In the sentence "The volunteers, who had walked eight kilometres, refused to leave until the last family was rescued," what does the relative clause "who had walked eight kilometres" do?

  1. It identifies which volunteers among several groups are meant
  2. It adds information about the volunteers' condition before the main action Correct answer.
  3. It explains why the families needed to be rescued
  4. It states the result of the volunteers' refusal

Explanation

The clause is set off by commas, so it gives extra, non-defining information about the volunteers. It describes their tiredness before the refusal, which makes their determination more striking. It does not identify one group or explain the disaster.

Question 31Reading Comprehension

A report says: "The panchayat has sanctioned a new drainage channel; however, work will begin only after the monsoon." Which option best expresses the relationship between the two parts of this sentence?

  1. The second part gives the reason why the channel was sanctioned
  2. The second part contradicts the approval mentioned in the first
  3. The second part repeats the first part in different words
  4. The second part gives a condition that limits the approval mentioned in the first Correct answer.

Explanation

"However" signals a contrast or limitation, and "only after the monsoon" restricts the good news of the sanction. The approval stands, but action is delayed. The relation is therefore one of limitation, not repetition or cause.

Question 32Reading Comprehension

Read this dialogue from a play: "VIKRAM: (looking at the flooded road) We could wait for the water to go down. LATHA: (picking up her bag) Or we could walk." What does Latha's reply mainly reveal?

  1. She has not heard Vikram's suggestion
  2. She is afraid of the flooded road
  3. She disagrees with waiting and prefers to act at once Correct answer.
  4. She wants Vikram to carry her bag

Explanation

Latha offers an alternative with "Or we could walk" and immediately picks up her bag, a stage action showing readiness. The contrast with Vikram's waiting shows she favours action. Her confidence, not fear, is conveyed.

Question 33Reading Comprehension

Which sentence uses the past perfect tense correctly to show that one past action happened before another?

  1. When the results were announced, the students have waited for three weeks
  2. When the results were announced, the students waited for three weeks
  3. When the results were announced, the students had waited for three weeks Correct answer.
  4. When the results were announced, the students wait for three weeks

Explanation

The past perfect (had waited) marks the waiting as completed before the announcement, which is itself in the past. This ordering of two past events is exactly the tense's function. The simple past, present perfect and present do not establish that sequence.

Question 34Reading Comprehension

A weather bulletin reads: "Heavy rain is likely in the northern districts till Thursday; fishermen have been advised not to venture into the sea." Which option best explains why the second clause is placed after the first?

  1. It presents an opposing view to the forecast
  2. It describes conditions that occurred last week
  3. It offers the safety instruction that follows from the forecast Correct answer.
  4. It gives an example of the heavy rain expected

Explanation

The bulletin first states the forecast and then issues the advisory that logically follows from it. The order mirrors cause and consequence: rough weather, therefore stay ashore. The clause is an instruction, not an example, an objection or a past record.

Question 35Reading Comprehension

Read this extract: "The old bridge had carried bullock carts, schoolchildren and wedding processions for ninety years. Now a new concrete span stood beside it, and the village walked across the new one without a backward glance." Which statement best captures the tone of the second sentence?

  1. Nostalgic regret for the bridge's long service
  2. Bitter anger at the engineers who built the new span
  3. Quiet acceptance of change, tinged with melancholy Correct answer.
  4. Excited pride in the village's rapid growth

Explanation

The phrase "without a backward glance" records the villagers' easy move to the new bridge, and the contrast with ninety years of service gives the sentence a subdued sadness. The tone is neither protest nor celebration. It observes change with understated feeling.

Question 36Reading Comprehension

A student writes: "The chief guest distributed the prizes. The chief guest also gave a short speech." Which revision combines the two sentences most smoothly?

  1. The chief guest distributed the prizes and also gave a short speech Correct answer.
  2. The chief guest distributed the prizes, and also a short speech
  3. The chief guest, distributing the prizes, also a short speech
  4. The chief guest distributed the prizes, also gave a short speech

Explanation

Two actions by the same subject are best joined with "and" followed by a matching verb, giving a balanced compound predicate. The result is grammatical and avoids repeating the subject. The other versions break the parallel structure or omit a verb.

Question 37Reading Comprehension

Read this passage: "The teacher handed back the test papers face down. Meera turned hers over, looked at the mark, and then read the whole paper again from the first question to the last." What does Meera's behaviour most strongly suggest?

  1. She was disappointed and wanted to check for marking errors
  2. She had not studied and was seeing the questions for the first time
  3. She was preparing to argue with the teacher about the mark
  4. She wanted to understand her mistakes rather than only her score Correct answer.

Explanation

Reading the entire paper after seeing the mark shows attention to how each answer was judged, not merely to the total. The detail is presented approvingly as a learning habit. Nothing indicates a dispute or unfamiliarity with the questions.

Question 38Reading Comprehension

Which option correctly rewrites the sentence "The storm destroyed the crops" in the passive voice, keeping the same meaning?

  1. The crops were destroyed by the storm Correct answer.
  2. The crops have destroyed the storm
  3. The crops destroyed the storm
  4. The storm was destroyed by the crops

Explanation

In the passive, the object of the active sentence (the crops) becomes the subject and takes the past participle with the correct form of "be". "Were destroyed" matches the past tense of the original. The agent, if kept, is introduced by "by".

Question 39Reading Comprehension

A passage states: "The library extended its hours during the examination weeks. Borrowing rose by forty per cent in the same period." Which conclusion is best supported by these two facts alone?

  1. The library should keep the extended hours all year
  2. Longer hours caused the rise in borrowing
  3. Students stopped buying books during the examination weeks
  4. Borrowing and longer hours coincided during the examination weeks Correct answer.

Explanation

The passage reports two facts occurring in the same period but does not establish that one caused the other. A careful reader states only the coincidence shown. Causal and policy claims go beyond the given evidence.

Question 40Reading Comprehension

In the sentence "Had the bridge been repaired in time, the procession would have crossed before dusk," what does the opening clause express?

  1. A condition in the past that was not fulfilled Correct answer.
  2. A fact that actually happened before dusk
  3. A question about the state of the bridge
  4. A command given to the repair workers

Explanation

"Had the bridge been repaired" is an inverted third-conditional clause meaning "if the bridge had been repaired". It describes an unreal past condition, and the main clause gives the result that did not occur. The inversion replaces "if" and adds no command or question.

Question 41Literature

In the Kerala SSLC English course, the poem 'The Ploughman' presents the ploughman as a figure who is most closely associated with which quality?

  1. Joyful harmony with the soil and seasons Correct answer.
  2. Resentment toward the landowners
  3. Fear of the coming monsoon
  4. Ambition to leave farming for city work

Explanation

The poem celebrates the ploughman's bond with the earth, showing him working in rhythm with nature rather than resisting it. His labour is dignified and song-like, so the dominant quality is harmony with soil and seasons.

Question 42Literature

In the Kerala SSLC English story 'The Tattered Blanket', the tattered blanket mainly functions as a symbol of what?

  1. The son's military service
  2. Neglect of the ageing mother by her son Correct answer.
  3. The harshness of the weather
  4. The mother's wealth

Explanation

The worn blanket stands for the mother's long neglect and the family's failure to care for her while the son was away. Its condition mirrors her emotional abandonment rather than any literal weather problem.

Question 43Literature

In 'The Last Leaf' as studied in the Kerala SSLC English textbook, Johnsy counts the falling ivy leaves because she believes what?

  1. The leaves predict the weather
  2. Sue will stop her painting career
  3. She will die when the last leaf falls Correct answer.
  4. Behrman will paint a new leaf

Explanation

Johnsy links her own survival to the ivy vine, deciding she will die when the final leaf drops. This belief is the psychological core that Behrman's painted leaf later defeats.

Question 44Literature

In the Kerala SSLC English poem 'The Village Schoolmaster', the villagers' admiration for the schoolmaster rests chiefly on which trait?

  1. His skill in debate and learning Correct answer.
  2. His wealth and land
  3. His travels abroad
  4. His skill at farming

Explanation

The villagers marvel at the schoolmaster's ability to argue and to read signs of learning, even if they cannot follow all of it. His authority comes from scholarship and verbal skill, not material possessions.

Question 45Literature

In the Kerala SSLC English unit on 'The Rightful Inheritors of the Earth', the title most directly argues that the earth belongs to whom?

  1. All living creatures, including animals and plants Correct answer.
  2. The wealthiest nations
  3. Those who legally own land
  4. Only future human generations

Explanation

The title is an ecological claim: the planet's resources are shared by every living species, not reserved for human owners. The essay challenges the idea that ownership deeds define rightful belonging.

Question 46Literature

In the Kerala SSLC English poem 'The Cry of the Children', the speaker's central complaint is directed against what?

  1. The noise of city markets
  2. The exploitation of child labour in mines and factories Correct answer.
  3. The children's laziness
  4. The cruelty of schoolteachers

Explanation

The poem voices the suffering of children forced into industrial work and pleads for their release. Its target is the economic system that consumes childhood, not the children themselves.

Question 47Literature

In the Kerala SSLC English story 'The Snake and the Mirror', the narrator's reaction when the snake falls on him is best described as what?

  1. Calm and philosophical
  2. Amused and playful
  3. Angry and aggressive
  4. Terrified and frozen Correct answer.

Explanation

The narrator is paralysed with fear, unable to move while the snake settles on him. The humour of the story grows from this exaggerated terror and his later reflections on his own vanity.

Question 48Literature

In the Kerala SSLC English play 'The Dear Departed', the title's irony depends on which fact about the family?

  1. They are planning a birthday party
  2. They have invited the grandfather to live with them
  3. They love the grandfather deeply
  4. They are eager to divide his belongings before he is truly dead Correct answer.

Explanation

The relatives gather to claim the old man's possessions while believing him dead, so 'dear departed' becomes a sarcastic comment on their greed. The irony sharpens when he turns out to be alive.

Question 49Literature

In the Kerala SSLC English poem 'The Ballad of the Tempest', the sailors' fear during the storm is finally resolved by what?

  1. The captain's daughter's calm faith Correct answer.
  2. The ship reaching harbour
  3. The crew mutinying
  4. A rescue ship arriving

Explanation

The child's simple trust steadies the frightened sailors, turning the storm scene toward hope. Her faith, not a physical rescue, provides the poem's emotional resolution.

Question 50Literature

In the Kerala SSLC English story 'The Best Investment I Ever Made', the narrator's investment proves valuable because it does what?

  1. Buys land for the family
  2. Funds the narrator's own education
  3. Transforms a struggling young man's life Correct answer.
  4. Earns high interest in a bank

Explanation

The 'investment' is an act of kindness that changes a life, and its return is measured in human terms rather than money. The story argues that generosity can yield rewards no financial scheme matches.