Got Questions? We’ve Got Answers!📚 Whether it’s about exams, career advice, or daily doubts, don’t hesitate—ask away!💡 Daily Current Affairs for UPSC Quiz | Daily Quiz for UPSC💡 Your Learning Partner Is Just a Click Away!👉 Click here to Ask Your Question Now and get clear, reliable answers from experts. Daily Current Affairs18 July, 2025 1. Which city secured the 1st rank in the category of cities with population over 10 lakh in the Swachh Survekshan 2024–25? A) BhopalB) LucknowC) AhmedabadD) IndoreE) Surat 2. What is the primary objective of SEBI’s recent restrictions on F&O trading? A) Increase retail participationB) Encourage intraday tradingC) Curb speculation and protect retail investorsD) Promote short-sellingE) Reduce lot sizes 3. Akash Prime is a missile system designed for which purpose? A) Anti-submarine warfareB) Ballistic missile defenseC) Surface-to-surface attackD) Neutralizing aerial threatsE) Cyber defense 4. What is the reason for the decline in ELSS (Equity Linked Savings Scheme) investments recently? A) Low returnsB) 5-year lock-inC) New tax regime without 80C deductionsD) RBI ban on ELSSE) High expense ratios 5. What new compliance is mandated for NGOs to receive CSR funding post July 2025? A) Register under Startup IndiaB) Registration under Companies ActC) Mandatory FCRA approvalD) Filing Form CSR-1 and IT registrations (12A, 80G)E) SEBI registration 6. What is the main advantage of grain-based ethanol over sugarcane-based ethanol for cooperative mills? A) Lower emissionB) Better tasteC) Year-round productionD) Higher water usageE) Export incentives 7. What factor has made active factor-based mutual funds popular in recent years? A) Government subsidyB) High dividend payoutsC) Custom models and dynamic allocationD) No SEBI regulationsE) Free trading fees 8. Which cantonment board won “Best Cantonment Board” in Swachh Survekshan 2024–25? A) Delhi CantonmentB) Ambala CantonmentC) Secunderabad CantonmentD) Pune CantonmentE) Lucknow Cantonment 9. RBI’s new climate risk disclosure norms will be mandatory from which financial year? A) 2025–26B) 2026–27C) 2027–28D) 2028–29E) 2029–30 10. Which town received the “Best Ganga Town” award in the Swachh Survekshan 2024–25 rankings? A) PatnaB) KanpurC) HaridwarD) PrayagrajE) Varanasi
Daily Quiz: 17 July 2025
Got Questions? We’ve Got Answers!📚 Whether it’s about exams, career advice, or daily doubts, don’t hesitate—ask away!💡 Daily Current Affairs for UPSC Quiz | Daily Quiz for UPSC💡 Your Learning Partner Is Just a Click Away!👉 Click here to Ask Your Question Now and get clear, reliable answers from experts. Daily Current Affairs17 July June, 2025 1. Where is India’s first Net-Zero E-Waste Eco Park being developed? A) BengaluruB) MumbaiC) DelhiD) HyderabadE) Bhopal 2. As per the UN SDG Report 2025, what percentage of Sustainable Development Goal targets are stagnating or regressing? A) 20%B) 25%C) 30%D) 35%E) 40% 3. What is the purpose of Gujarat’s Tribal Genome Sequencing Project? A) To identify tribal art formsB) To boost tribal tourismC) To create a genetic database for precision healthcareD) To assess tribal land recordsE) To promote tribal agriculture 4. What change has SEBI proposed for valuing Gold and Silver ETFs in India? A) Using global LBMA pricesB) Using Indian futures pricesC) Using Indian spot market pricesD) Using average of global and local pricesE) Using previous day’s close price 5. What does the RBI’s Unified Lending Interface (ULI) aim to address? A) Regulating foreign remittancesB) Streamlining cross-border tradeC) Simplifying digital lending infrastructureD) Promoting UPI-based transactionsE) Managing government borrowing 6. According to the Global Findex Report 2025, what is India’s rate of inactive bank accounts? A) 15%B) 25%C) 30%D) 35%E) 40% 7. What major initiative was launched under PM Dhan-Dhaanya Krishi Yojana (PMDDKY)? A) Free soil health cardsB) ₹24,000 crore annual outlay for farmersC) One-time farm loan waiverD) Crop insurance for allE) Minimum support price hike 8. Which organisation celebrated its 97th Foundation Day with announcements like portable soil kits and natural farming? A) NABARDB) FSSAIC) ICARD) Krishi Vigyan KendraE) IARI 9. What licence has EximPe received from the RBI? A) NBFC Lending LicenceB) Payment Bank LicenceC) Cross-Border Payment Aggregator LicenceD) Small Finance Bank LicenceE) Forex Dealer Licence 10. What is the key focus of the India–Argentina Agriculture Joint Working Group (JWG) meeting? A) Agricultural subsidiesB) Export-import tariffsC) Sustainable farming and climate resilienceD) Trade dispute resolutionE) Water-sharing agreements
Daily Quiz: 16 July 2025
Got Questions? We’ve Got Answers!📚 Whether it’s about exams, career advice, or daily doubts, don’t hesitate—ask away!💡 Daily Current Affairs for UPSC Quiz | Daily Quiz for UPSC💡 Your Learning Partner Is Just a Click Away!👉 Click here to Ask Your Question Now and get clear, reliable answers from experts. Daily Current Affairs16 July, 2025 1. Which village has been declared India’s first “Digital Nomad Village” under the ‘Nomad Sikkim’ initiative? A. LachungB. YaktenC. DzonguD. NamchiE. Mangan 2. The GE-F404 engine, recently delivered to India, is used in which indigenous fighter aircraft? A. Sukhoi Su-30MKIB. RafaleC. Tejas Mk-1AD. Mirage 2000E. AMCA 3. What is the full form of the ADEETIE scheme launched by the Ministry of Power? A. Advanced Deployment of Energy and Technology in Indian EnterprisesB. Assistance in Deploying Energy Efficient Technologies in Industries & EstablishmentsC. Advanced Digital Energy Efficiency for Technology and Industry EstablishmentsD. Atmanirbhar Deployment of Energy Efficiency and Technology for Indian EnterprisesE. Assistance for Deployment of Electric Equipment in Traditional Industry Ecosystem 4. Which initiative commemorates 75 years of the National Sample Survey and promotes AI-driven data innovation? A. Skill India Innovation LabB. BharatStat 2047C. Statathon – A Data Journey Towards Viksit BharatD. NSS NextGenE. Viksit Bharat Hackathon 5. The Sai Subhiksha Kisan Health Card provides what unique benefit to farmers? A. Crop insuranceB. Free internet connectivityC. Free healthcare servicesD. Subsidized seedsE. Interest-free loans 6. Which Indian state has approved genetically modified (GM) maize field trials for the 2025 kharif season? A. PunjabB. HaryanaC. Uttar PradeshD. MaharashtraE. Karnataka 7. Which new ULIP fund was launched by Ageas Federal Life Insurance in July 2025? A. Digital Bharat Equity FundB. India Innovation Index FundC. India Sector Leaders FundD. Future India Infra FundE. India Balanced Opportunity Fund 8. What is the objective of the TAFE–ICRISAT Adaptive Agriculture Research Centre? A. Promote cotton mechanization onlyB. Train farmers for export tradeC. Promote sustainable farming and mechanization for smallholdersD. Offer subsidies for crop loansE. Promote GM crop production 9. What percentage of interest subsidy is offered to micro & small enterprises under the ADEETIE scheme? A. 10%B. 7%C. 5%D. 3%E. 2% 10. Which regulatory body launched a settlement scheme for expired Venture Capital Funds (VCFs)? A. RBIB. SEBIC. IRDAID. NABARDE. NITI Aayog
Daily Quiz: 15 July 2025
Got Questions? We’ve Got Answers!📚 Whether it’s about exams, career advice, or daily doubts, don’t hesitate—ask away!💡 Daily Current Affairs for UPSC Quiz | Daily Quiz for UPSC💡 Your Learning Partner Is Just a Click Away!👉 Click here to Ask Your Question Now and get clear, reliable answers from experts. Daily Current Affairs15 July, 2025 1. Which critically endangered grassland bird was recorded in the Kaziranga National Park survey 2025? A. Swamp Grass BabblerB. Finn’s WeaverC. Bengal FloricanD. Jerdon’s BabblerE. Slender-billed Babbler 2. What is the primary purpose of the National Mobile Monitoring System (NMMS) under MGNREGS? A. To track water usage in rural areasB. To ensure food distributionC. To geo-tag attendance of MGNREGS workersD. To track wages paid under MGNREGSE. To register rural households for schemes 3. Which institution led India’s “Crop Seeds on ISS” space biology project? A. ISROB. IARIC. IISTD. DRDOE. CSIR 4. Which of the following cities hosts the 75th Pradhan Mantri Divyasha Kendra? A. VaranasiB. BadaunC. KanpurD. GorakhpurE. Patna 5. According to Ookla (2025), what is India’s global rank in internet speed? A. 10thB. 20thC. 26thD. 35thE. 50th 6. What is the strategic objective of the AU Small Finance Bank and LIC’s bancassurance tie-up? A. Promote savings accountsB. Increase foreign investmentsC. Distribute insurance to rural areasD. Provide home loansE. Encourage fixed deposits 7. Which of the following was a key reason MFIs raised lending rates in 2025 despite RBI’s rate cuts? A. Government mandateB. Fall in gold pricesC. Sticky borrowing costsD. Decrease in digital loansE. Surplus liquidity 8. What is the major proposed reform to improve India’s Insolvency and Bankruptcy Code (IBC) framework? A. Repealing IBC ActB. Privatizing NCLTC. Establishing dedicated IBC tribunalsD. Removing time limits for resolutionE. Reducing minimum default amount 9. Google Pay launched a co-branded credit card in collaboration with which bank? A. ICICI BankB. HDFC BankC. Axis BankD. SBIE. Yes Bank 10. What is NABARD’s RuralTech CoLab aimed at? A. Monitoring crop pricesB. Promoting organic farmingC. Supporting rural tech startupsD. Providing employment to farmersE. Managing rural health services
Daily Quiz: 13 & 14 July 2025
Got Questions? We’ve Got Answers!📚 Whether it’s about exams, career advice, or daily doubts, don’t hesitate—ask away!💡 Daily Current Affairs for UPSC Quiz | Daily Quiz for UPSC💡 Your Learning Partner Is Just a Click Away!👉 Click here to Ask Your Question Now and get clear, reliable answers from experts. Daily Current Affairs13 & 14 July, 2025 1. What percentage of Class 9 students were found struggling with basic mathematics in the PARAKH Rashtriya Sarvekshan 2024? A) 33%B) 43%C) 50%D) 63%E) 73% 2. Under India’s Carbon Credit Trading Scheme (CCTS), each Carbon Credit Certificate (CCC) equals how many tonnes of CO₂ equivalent reduced? A) 1 kgB) 100 kgC) 1 tonneD) 10 tonnesE) 100 tonnes 3. Which of the following is NOT a sector included under India’s CCTS compliance mechanism? A) CementB) AluminiumC) PetrochemicalsD) AutomobilesE) Paper and Pulp 4. What is the primary goal of the SEZ Amendment Bill regarding duty on DTA sales? A) Remove duties entirelyB) Impose higher duties on finished goodsC) Charge duties on finished goods instead of raw materialsD) Charge duty only on raw materialsE) Ban domestic sales from SEZs 5. Which fintech company launched India’s first UPI-enabled physical bank branch? A) PhonePeB) PaytmC) SliceD) RazorpayE) BharatPe 6. What is the estimated volume of India’s informal credit market, according to CRISIL (2022)? A) ₹50,000 croreB) ₹90,000 croreC) ₹1.2 lakh croreD) ₹1.4 lakh croreE) ₹2 lakh crore 7. In the context of Basel III updates, which Indian rating agency was approved by RBI for assessing IFSC credit exposures? A) CRISILB) ICRAC) CareEdge Global IFSC LtdD) Brickwork RatingsE) India Ratings 8. Under RBI’s clarified PSL norms, voluntary gold-backed loans up to what amount are allowed for MSMEs? A) ₹5 lakhB) ₹7.5 lakhC) ₹10 lakhD) ₹12 lakhE) ₹15 lakh 9. What is the annual DAP fertilizer import volume agreed upon in the India–Saudi Ma’aden deal? A) 2.1 MMTB) 2.5 MMTC) 3.1 MMTD) 3.5 MMTE) 4.0 MMT 10. What is the main cause for banks preferring VRRR over SDF in recent RBI operations? A) VRRR has lower ratesB) VRRR doesn’t require biddingC) VRRR offers market-determined returnsD) SDF has high default riskE) SDF requires collateral
SIDBI Grade A, B 2025 Notification Out: 76 Vacancies, Direct Apply Link Inside
The Small Industries Development Bank of India (SIDBI) has officially released the Grade A and Grade B Recruitment 2025 Notification. A total of 76 officer posts are up for grabs across General and Specialist streams. If you’re looking for a prestigious job in the banking sector, this is a golden opportunity. Read on for all important details including eligibility, vacancies, application process, and selection steps. What’s This Recruitment About? SIDBI is inviting online applications for the recruitment of: SIDBI Grade A and B 2025 Apply Online Link Important Dates to Remember Event Date Notification Release 13 July 2025 Application Start Date 14 July 2025 Last Date to Apply 11 August 2025 Phase I Exam 6 September 2025 (Tentative) Phase II Exam 4 October 2025 (Tentative) Interview Schedule November 2025 (Tentative) Application Fees Category Fee SC/ST/PwBD ₹175 General/OBC/EWS ₹1100 How to Apply Online 👉 Apply by 11 August 2025 – don’t wait for the last date! Eligibility Criteria (As per Notification) Job Location & Salary Selection Process The recruitment process will happen in three stages: 1️⃣ Phase I – Online Exam (Objective) 2️⃣ Phase II – Online Exam (Professional Knowledge) 3️⃣ Interview (Final Round) Quick Highlights Field Details Total Posts 76 Posts Grade A & B Officers Streams General, Legal, IT Official Website www.sidbi.in Application Mode Online Only Last Date 11 August 2025 Why You Should Apply 📢 Don’t miss out! If you’re a graduate/postgraduate with ambition to grow in banking, apply for SIDBI Grade A or B 2025 before August 11. Need help with form filling or exam prep regarding and SIDBI Online Courses? Drop your query — I’ll help!
Daily Quiz: 12 July 2025
Got Questions? We’ve Got Answers!📚 Whether it’s about exams, career advice, or daily doubts, don’t hesitate—ask away!💡 Daily Current Affairs for UPSC Quiz | Daily Quiz for UPSC💡 Your Learning Partner Is Just a Click Away!👉 Click here to Ask Your Question Now and get clear, reliable answers from experts. Daily Current Affairs12 July, 2025 1. What is India’s rank in the Global Gender Gap Report 2025 published by the World Economic Forum (WEF)? A. 110B. 131C. 121D. 98E. 148 2. The whitepaper “Transitioning to Quantum Cyber Readiness” was released by which of the following ministries? A. Ministry of DefenceB. Ministry of Electronics and ITC. Ministry of Science & TechnologyD. Ministry of Home AffairsE. Ministry of Communications 3. Which of the following became India’s 44th UNESCO World Heritage Site in 2025? A. Hampi TemplesB. SundarbansC. Maratha Military LandscapesD. Qutub MinarE. Valley of Flowers 4. What is the primary objective of the Sanchar Mitra Scheme? A. Promote digital exportsB. Facilitate telecom investmentsC. Enhance telecom infrastructureD. Spread digital literacy and cyber awarenessE. Monitor mobile data usage 5. RhoDIS, recently initiated by the Assam government, is associated with which animal? A. Bengal TigerB. Asiatic LionC. LeopardD. One-Horned RhinocerosE. Snow Leopard 6. Under RBI norms, collateral-free loans for agricultural borrowers can be up to what amount? A. ₹1 lakhB. ₹5 lakhC. ₹2 lakhD. ₹3 lakhE. ₹10 lakh 7. The newly launched BSE Insurance Index is designed to track which of the following? A. Mutual fundsB. General commoditiesC. Private equity performanceD. Insurance sector companiesE. Real estate sector 8. Which major bank was penalized by the RBI for violating foreign investment norms in July 2025? A. Axis BankB. ICICI BankC. HDFC BankD. State Bank of IndiaE. Kotak Mahindra Bank 9. What is the major policy focus of India’s Farmer Producer Organizations (FPOs)? A. Tax reduction for agri exportsB. Promoting GM cropsC. Transition from subsistence to market-linked farmingD. Expanding contract farmingE. Promoting sugarcane over food crops 10. Which of the following philosophies best describes India’s approach to Smart Agriculture as mentioned in the July 2025 update? A. Industrial farming firstB. Bottom-up and pluralisticC. Technology-only focusD. State-controlled central modelE. GM-based intensive agriculture
Daily Quiz: 11 July 2025
Got Questions? We’ve Got Answers!📚 Whether it’s about exams, career advice, or daily doubts, don’t hesitate—ask away!💡 Daily Current Affairs for UPSC Quiz | Daily Quiz for UPSC💡 Your Learning Partner Is Just a Click Away!👉 Click here to Ask Your Question Now and get clear, reliable answers from experts. Daily Current Affairs11 July, 2025 1. What is the main objective of the TALASH initiative launched by the Ministry of Tribal Affairs? A. Promote sports among tribal studentsB. Provide free food and accommodationC. Offer psychometric testing and life skills trainingD. Establish tribal language training centersE. Conduct cultural awareness camps 2. Which institution collaborated with the Ministry of Tribal Affairs to launch the TALASH platform? A. World BankB. UNICEF IndiaC. WHOD. IIT-DelhiE. NITI Aayog 3. What is the aim of the Aadi KARMAYOGI Mission launched in Bengaluru? A. Provide internet access to tribal areasB. Train 20 lakh tribal governance functionariesC. Build tribal heritage museumsD. Launch tribal e-commerce platformsE. Offer free transport to tribal students 4. Which platform is cited by the IMF as the world’s most rapidly adopted real-time payment system? A. BHIMB. IMPSC. UPID. NEFTE. RTGS 5. What is the Finance Ministry’s primary reason for seeking control over the NHCX platform? A. Expand rural insurance coverageB. Launch a new government health schemeC. Ensure transparency and fair billingD. Reduce health premiumsE. Ban private insurance players 6. What type of investment vehicle is the SBI Mutual Fund’s newly launched SIF? A. Low-risk savings bondsB. Gold Exchange Traded FundsC. Specialised Investment FundsD. Traditional SIPsE. Government securities 7. What financial concern was raised about the RBI’s current liquidity situation in mid-2025? A. Excessive foreign borrowingB. High repo rate volatilityC. Surplus liquidity creating inflation riskD. Lack of forex reservesE. Banking strike 8. What does e-NAM aim to achieve by adding new region-specific commodities? A. Increase food exportsB. Reduce agricultural subsidiesC. Improve market access and price realisation for farmersD. Promote GMO cropsE. Launch farm mechanization 9. What is the AMED API launched by Google designed to monitor? A. Bank fraudsB. Weather forecastsC. Agricultural activity and crop statusD. Urban air qualityE. Forest fire alerts 10. What is front-running, as mentioned in SEBI’s case against Sanjiv Bhasin? A. Insider trading with foreign currencyB. Unauthorized short sellingC. Trading before making stock recommendationsD. Using fake identities in the marketE. Issuing false financial reports
Daily Quiz: 10 July 2025
Got Questions? We’ve Got Answers!📚 Whether it’s about exams, career advice, or daily doubts, don’t hesitate—ask away!💡 Daily Current Affairs for UPSC Quiz | Daily Quiz for UPSC💡 Your Learning Partner Is Just a Click Away!👉 Click here to Ask Your Question Now and get clear, reliable answers from experts. Daily Current Affairs10 July, 2025 1. What recent approval did IN-SPACe grant to Starlink in July 2025? A. Launch of its first satellite from IndiaB. Use of ISRO ground stations for telemetryC. Operation of satellite broadband services in IndiaD. Acquisition of Antrix CorporationE. Supply of ground internet equipment to BSNL 2. Under which Act is the National Population Register (NPR) governed? A. Census Act, 1948B. Population Regulation Act, 2003C. Citizenship Act, 1955D. National Identity Act, 2010E. Immigration and Refugee Act, 2002 3. Which clause in the Petroleum & Natural Gas Rules, 2025 protects licensees from future policy changes? A. Compensation ClauseB. Dispute Resolution ClauseC. Tax Benefit ClauseD. Stabilisation ClauseE. Recovery Clause 4. What is the key role of Credit Rating Agencies (CRAs) as per SEBI? A. Conduct IPOsB. Audit company balance sheetsC. Assess and rate creditworthiness of borrowersD. Collect taxes from debt issuersE. Mediate stock disputes 5. What are Catastrophe Bonds (Cat Bonds) used for? A. Funding long-term infrastructure projectsB. Securitizing telecom sector investmentsC. Transferring disaster-related risks to capital market investorsD. Managing retail loan NPAsE. Promoting agricultural exports 6. What is novation in the context of OTC derivative contracts? A. Issuing a new contract between the same partiesB. Transferring a contract to a new party with unchanged termsC. Adding extra clauses to a loanD. Defaulting on a derivative contractE. Revoking regulatory oversight 7. What does the RBI’s ‘Whitelist’ of digital lending apps aim to do? A. Ban foreign appsB. Promote private lendingC. Ensure consumer protection by listing authorised appsD. Remove KYC from lendingE. Provide loans to only MSMEs 8. What major experiment did Indian astronaut Shubhanshu Shukla conduct aboard the ISS? A. Space-based asteroid miningB. Germination of Indian crop seeds in spaceC. Testing anti-gravity suitsD. Carbon dioxide detox systemE. Robotic farming 9. What was the main objective of National Fish Farmers Day 2025? A. Promote export of inland fishB. Celebrate marine biodiversityC. Recognize fish farmers and promote sustainable aquacultureD. Launch fish-based processed food schemesE. Educate citizens about sea pollution 10. What does India’s Gini Index of 25.5 (2022–23) represent? A. India’s literacy rateB. Overall economic growthC. Consumption inequalityD. Industrial output indexE. Wealth inequality
Daily Quiz: 9 July 2025
Got Questions? We’ve Got Answers!📚 Whether it’s about exams, career advice, or daily doubts, don’t hesitate—ask away!💡 Daily Current Affairs for UPSC Quiz | Daily Quiz for UPSC💡 Your Learning Partner Is Just a Click Away!👉 Click here to Ask Your Question Now and get clear, reliable answers from experts. Daily Current Affairs9 July, 2025 1. Which endangered bird, Kerala’s state bird, was recently sighted in an unusual coastal area of Kannur district?A. Indian PeafowlB. Great HornbillC. Malabar TrogonD. Grey JunglefowlE. Nilgiri Flycatcher 2. What is the total corpus allocated for the newly approved Research Development and Innovation (RDI) Scheme by the Union Cabinet?A. ₹50,000 croreB. ₹75,000 croreC. ₹1 lakh croreD. ₹1.5 lakh croreE. ₹2 lakh crore 3. According to the NSO’s nutritional intake report, which food group remains the largest source of protein in rural and urban diets in 2023–24?A. Meat and fishB. PulsesC. Dairy productsD. CerealsE. Eggs 4. Which type of digital tools were used by attackers in the Pulwama and Gorakhnath incidents to finance terrorism, according to FATF’s 2025 report?A. Aadhaar-linked bank accountsB. Blockchain and VPNsC. Mutual FundsD. Credit CardsE. ChatGPT 5. As per RBI’s 2025 directions, from when will prepayment charges on certain loans be waived for MSEs and individuals?A. July 1, 2025B. October 1, 2025C. January 1, 2026D. April 1, 2026E. January 1, 2025 6. What is a major reason behind SEBI’s plan to possibly shift weekly index options expiry to fortnightly?A. Lack of trading activityB. High profits by retail investorsC. Market manipulation and speculative risksD. Global market influenceE. Changes in currency valuation 7. Which of the following statements about PMJDY accounts is true as per the DFS clarification in 2025?A. All dormant accounts will be closedB. DFS has ordered re-opening of closed accountsC. No directive has been issued to close inactive PMJDY accountsD. Only accounts with zero balance are being closedE. Accounts with no RuPay card will be deactivated 8. What is the purpose of CRISPR editing in the NIPGR rice experiment?A. Increase seed sizeB. Improve drought resistanceC. Enhance phosphorus uptake and yieldD. Increase starch contentE. Increase water retention in roots 9. What key innovation was introduced in the NaMo Drone Didi Yojana?A. Self-flying drones for irrigationB. Drones used by SHG women for agri-input sprayingC. Drone-based seed processingD. Drones for live weather reportingE. Drone surveillance for forest areas 10. What is one major benefit of DBT Platform Version 2.0 for agriculture subsidies?A. Manual verification systemB. Use of blockchainC. Real-time dashboard and faster subsidy disbursalD. Biometric-only accessE. Paper-based application workflow