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Get the May 2026 revision sheet on WhatsAppPulled straight out of this month's own facts. If a figure here is new to you, go back and read that item in full.
| Region | 2017-18 (75th Round) | 2025 (80th Round) |
| Rural Institutional Delivery | 90.5% | 95.6% |
| Urban Institutional Delivery | 96.1% | 97.8% |
| Exam Focus Area | Relevance Level |
| UPSC CSE | GS-3 (Environment: Biofuels, Economy: Infrastructure & Energy) |
| JPSC / State AE | Mechanical/Automobile Engineering & State Biofuel policies |
| RBI Grade B | Finance: Forex savings and Import-Export dynamics |
| Phase | Timeline | Theme | Primary Objective |
| DPI 2.0 | 2025–2035 | Realising Aspirations | Scaling livelihood-led growth; empowering MSMEs and farmers; building a capable citizen base. |
| DPI 3.0 | 2035–2047 | Achieving Prosperity | Grassroots innovation; non-linear growth; transitioning to a high-income, developed nation (Viksit Bharat). |
| Tribe | Role/Connection to Site | Key Characteristics |
| Irula | Consider the site sacred; use it for spiritual refuge. | Known for herbal medicine and traditional snake-catching expertise. |
| Kurumba | Use the site as a resting place during honey-gathering. | Renowned for scaling cliffs to collect honey; traditionally linked to the ancient Pallavas. |
| Exam Focus Area | Relevance Level |
| UPSC CSE | GS-2 (International Relations), GS-3 (Internal Security) |
| CDS / NDA / AFCAT | Military Exercises and Defense Technology |
| Banking / SSC | General Awareness: Current Defense News |
| Exam Focus Area | Relevance Level |
| UPSC CSE | GS-1 (Society: Role of Women), GS-2 (Social Justice), GS-3 (Economy) |
| State PSCs | Socio-economic indicators and rural development data |
| RBI/NABARD | Rural female LFPR and financial inclusion metrics |
| Feature | Conventional Methanol | Green Methanol |
| Source | Natural gas or Coal gasification. | Biomass (agricultural residue/weeds). |
| CO2 Emissions | High (fossil-based). | Reduced by up to 95%. |
| Other Pollutants | High NOx and SOx. | NOx down by 80%; eliminates SOx. |
| IMO Rules | May face penalties in future. | Complies with IMO's "Green Port" rules. |
| Exam Focus Area | Relevance Level |
| UPSC CSE | GS-3 (Energy, Infrastructure, Resources, Environment) |
| RBI Grade B | ESI: Sustainable Development and Industrial Policy |
| State PSCs | Regional industrial units and mining policies |
| Buddha | Wisdom | Color | Direction | Mudra (Hand Gesture) |
| Vairocana | Ultimate Reality (Dharmadhatu) | White | Center | Dharmachakra (Turning the Wheel) |
| Akshobhya | Mirror-like Wisdom | Blue | East | Bhumisparsha (Earth-Touching) |
| Ratnasambhava | Wisdom of Equality | Yellow | South | Varada (Charity/Giving) |
| Amitabha | Discriminating Wisdom | Red | West | Dhyana (Meditation) |
| Amoghasiddhi | All-Accomplishing Wisdom | Green | North | Abhaya (Fearlessness) |
| Grade | Category | Score Range | Status in 2024 |
| A+ | Achiever | $\ge 90$ | Zero Panchayats reached this level. |
| A | Front Runner | $75 - 90$ | 3,635 Panchayats (High performers like Tripura). |
| B | Performer | $60 - 75$ | 1,18,824 Panchayats (The largest group). |
| C | Aspirant | $40 - 60$ | Underperforming areas (e.g., parts of Bihar). |
| D | Beginner | $< 40$ | Critically lagging areas (e.g., remote NE regions). |
| Exam Focus Area | Relevance Level |
| UPSC CSE | GS-3 (Science & Tech: Indigenization of Technology, Defense) |
| CDS / AFCAT | Defense Current Affairs, Weapon Systems |
| State PSCs | General Awareness: Achievements in Defense |
| Feature | Details |
| Executing Agency | Narcotics Control Bureau (NCB) |
| Primary Target | International Cocaine Trafficking Syndicate |
| Seizure Volume | 349 kg (Exceeds India's typical annual average) |
| Estimated Value | ₹1,745 Crore |
| Primary Locations | Kalamboli and Bhiwandi (Mumbai/Thane logistics hubs) |
| Exam | Focus Area | Relevance Level |
| UPSC CSE | GS-2 (Citizenship, Indian Diaspora, Governance) | Extreme |
| JPSC / BPSC | Polity: Citizenship and Rights of NRIs/OCIs | High |
| SSC / RRB | Current Affairs: New Government Portals and Forms | Medium |
| Exam | Focus Area | Relevance Level |
| UPSC CSE | GS-3 (Energy, S&T, Environmental Safety) | High |
| JPSC / State PCS | Statutory Bodies and Nuclear Power Projects in India | Very High |
| Engineering Services | Nuclear Safety Standards and Equipment Lifecycle | High |
| Exam | Focus Area | Relevance Level |
| UPSC CSE | GS-3 (Science & Tech: Space, Indigenous Tech) | Extreme |
| SSC / State PCS | General Science: Satellite types and sensor technologies | High |
| Exam | Focus Area |
| UPSC CSE | GS-2 (Governance & Judiciary: Role of ICT); GS-3 (Science & Tech) |
| SPSC (Sikkim) | Current Affairs: State-specific milestones |
| Law Entrance | Legal Tech reforms and the e-Courts Project |
| Exam | Focus Area |
| UPSC CSE | GS-2 (Bilateral Relations: India-ASEAN); GS-3 (Security: Military Exercises) |
| Defence (NDA/CDS) | Facts: Unit involved (Maratha Light Infantry), Location (Kampong Speu), UN Mandate Chapter VII |
| SSC/Banking | Current Affairs: Participating countries and the name of the exercise |
| Feature | Technical Impact |
| No Queuing | Messages bypass the standard mobile traffic queue, arriving in near real-time (within seconds). |
| Geo-Fencing | Alerts can be restricted to a single neighborhood (e.g., for a local gas leak) or expanded to an entire state (e.g., for a cyclone). |
| Silent Mode Override | The alert is accompanied by a unique, high-decibel siren and vibration that can override "Silent" or "Do Not Disturb" modes on many devices. |
| Network Resilience | Because it doesn't require a data connection or a "handshake" with a specific number, it works better in areas with weak or overloaded signals. |
| Feature | Route 1: Lipulekh Pass | Route 2: Nathu La Pass |
| State | Uttarakhand (Pithoragarh) | Sikkim |
| Nature | Traditionally involved arduous trekking; now features an 80-km motorable road. | Primarily motorable; considered more comfortable for elderly pilgrims. |
| Historical Status | The oldest and shortest route; culturally significant. | Opened in 2015 to provide an alternative to the trek-heavy Lipulekh route. |
| Current Conflict | Central to the India-Nepal boundary dispute. | Generally stable, but subject to India-China border tensions. |
| Exam | Focus Area |
| UPSC CSE | GS-1 (Geography: Important Passes); GS-2 (International Relations: India-Nepal & India-China) |
| State PCS | Uttarakhand & Sikkim current events; historical treaties (Treaty of Sugauli) |
| General Awareness | Religious sites, high-altitude geography, and MEA-led initiatives |
| Feature | Detail |
| Setup Time | Fully deployable in under 12 minutes. |
| Patient Capacity | Can treat up to 200 casualties simultaneously. |
| Surgical Capability | Equipped to perform 10–15 basic surgeries per day. |
| Sustainability | Operates for 48 hours using internal power (solar/battery) and oxygen generation. |
| Diagnostics | Includes portable ultrasound, digital X-rays, and AI-enabled blood testing. |
| Tracking | Uses RFID (Radio Frequency Identification) for real-time inventory management. |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Economy (Government schemes, banking sector) |
| UPSC Mains | GS Paper III — Indian Economy, MSME sector, mobilization of resources |
| BPSC / State PCS | Indian Economy, Current Affairs |
| Banking (RBI Gr B, SBI PO, IBPS) | Financial Awareness, Banking & Economy section |
| SEBI / NABARD | Credit guarantee mechanism, MSME finance |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Defence, Indigenous Schemes, Constitutional Bodies (CAG) |
| UPSC Mains | GS Paper II — Indian Ocean Diplomacy, India–China Relations |
| BPSC / State PCS | Defence Affairs, Current Affairs, Indian Polity (CAG) |
| CDS / NDA / AFCAT | Defence GK — Indian Navy ship classes, projects, naval doctrine |
| Banking & SSC | Static GK on defence projects, ship names, recent inductions |
| Project | Region of Operation | Key Focus |
| Project Deepak | Himachal Pradesh | Manali-Leh Axis, Hindustan-Tibet Road. |
| Project Himank | Ladakh | Highest motorable roads (Umling La, Khardung La). |
| Project Dantak | Bhutan | Infrastructure development in Bhutan (Friendship project). |
| Project Beacon | Jammu & Kashmir | Zojila Pass and Kashmir Valley connectivity. |
| Subject Area | Relevance and Application |
| Indian Economy (UPSC GS-3) | Critical for questions on "Inclusive Growth," "Poverty," and "Resource Mobilization." |
| Social Justice (UPSC GS-2) | Impact of welfare policy changes (MGNREGA replacement) on vulnerable populations. |
| Essay / Ethics | Useful for discussing the trade-offs between "Growth vs. Equity" in a developing nation. |
| Statistics & Surveys | Understanding the role of MoSPI, NSSO, and the methodology of Gini/MPCE. |
| State PSC (JPSC/BPSC) | High relevance for questions regarding rural distress and state-level social security. |
| Subject Area | Relevance and Application |
| Science & Tech (UPSC GS-3) | Significant for topics on Space Exploration and Solar System formation. |
| Geography (Physical) | Understanding the structure of the outer solar system (Kuiper Belt vs. Oort Cloud). |
| Current Affairs | First-of-its-kind discovery in observational astronomy. |
| State PSC / SSC | High probability for questions on IAU classifications, AUs, and planetary definitions. |
| Scientific Exams | Focus on the mechanics of cryovolcanism and stellar occultation methods. |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper III — Economy, Mineral resources, Government Schemes |
| UPSC Mains | GS Paper III — Mobilisation of resources, Mineral security, Energy security, Conservation |
| UPSC Mains | GS Paper II — International Relations (Critical mineral diplomacy, MSP) |
| BPSC / State PCS | Indian Economy, Environment, Current Affairs |
| Banking (RBI Gr B, NABARD) | ESI / Economic and Social Issues — Mineral economy, EV transition |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper III — Economy, Mineral resources, Government Schemes |
| UPSC Mains | GS Paper III — Mobilisation of resources, Mineral security, Energy security, Conservation |
| UPSC Mains | GS Paper II — International Relations (Critical mineral diplomacy, MSP) |
| BPSC / State PCS | Indian Economy, Environment, Current Affairs |
| Banking (RBI Gr B, NABARD) | ESI / Economic and Social Issues — Mineral economy, EV transition |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper II — Indian Polity (Supreme Court, Articles 124–147, Collegium, NJAC) |
| UPSC Mains | GS Paper II — Judiciary, Separation of Powers, Judicial Reforms, Pendency |
| UPSC Mains | Essay — Judicial Reforms, Access to Justice |
| BPSC / State PCS | Indian Polity, Constitution, Current Affairs |
| Judicial Services | Core area — SC structure, jurisdiction, appointments |
| Banking (RBI Gr B, NABARD) | Static GK on Constitutional bodies |
| SSC / Insurance / Railway | Static GK on Supreme Court, Articles, Collegium |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper III — Agriculture, Government Schemes, Cropping Patterns |
| UPSC Mains | GS Paper III — Agricultural Productivity, Marketing of Produce, Food Processing & Allied Industries |
| UPSC Mains | GS Paper II — Government policies and interventions |
| BPSC / State PCS | Agriculture, Indian Economy, Current Affairs |
| Banking (RBI Gr B, NABARD) | Agriculture & Rural Economy — high importance |
| SSC / Insurance / Railway | Static + Current GK on schemes, ministries, cotton |
| Geography Optional | Agricultural geography, cropping patterns |
| Agriculture / Forest Services exams | Core area — cotton cultivation, productivity, schemes |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Indian Economy (Government schemes, banking sector) |
| UPSC Mains | GS Paper III — Indian Economy, MSME sector, Mobilisation of resources |
| UPSC Mains | GS Paper II — Government policies and interventions |
| BPSC / State PCS | Indian Economy, Current Affairs |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Financial Awareness, Banking & Economy — high importance |
| SEBI / IES | Credit guarantee mechanisms, MSME finance |
| SSC / Insurance / Railway | Static + Current GK on schemes, ministries, MSME |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Internal Security, Government bodies (NCRB), Laws (UAPA, BNS) |
| UPSC Mains | GS Paper II — Welfare of vulnerable sections (SC/ST), Governance |
| UPSC Mains | GS Paper III — Internal Security, Cybercrime, Drug trafficking, Agrarian distress |
| BPSC / State PCS | Internal Security, Current Affairs, Indian Polity |
| Banking (RBI Gr B, NABARD) | ESI / Economic and Social Issues — agrarian distress, unemployment data |
| SSC / Insurance / Railway | Static GK on NCRB, IPC/BNS, UAPA, MHA |
| Exam Body | Relevance & Application |
| UPSC (CSE) | GS Paper II: Issues relating to the development and management of Social Sector/Services relating to Education. GS Paper III: Planning and Resource Mobilization. |
| RBI Grade B | ESI (Economic & Social Issues): Social Structure in India; Education; Demographic Trends and Human Development. |
| NABARD Grade A | ESI (Rural Development): Education in rural India; ASER reports; Status of rural infrastructure and digital divide. |
| SSC (CGL/CHSL) | General Awareness: Current Affairs related to NITI Aayog reports, government schemes (Samagra Shiksha), and education statistics. |
| State PSCs | Mains/Interview: State-specific performance in education, school merging policies, and implementation of NEP 2020. |
| Exam Body | Relevance & Application |
| UPSC (CSE) | GS Paper II & III: Law and order, Internal Security (Cybersecurity), and Social Justice (Suicides/Drug Abuse). |
| SSC (CGL/CHSL) | General Awareness: Current statistics on crime, headquarters of NCRB, and nodal ministries for national reports. |
| State PSCs | General Studies: State-specific crime trends and the implementation of digital safety measures by state police. |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — International Organisations (ISO, BIS), Science & Technology (Space) |
| UPSC Mains | GS Paper II — Important International Institutions, India and global standards |
| UPSC Mains | GS Paper III — Science & Technology (Space, Satellites, Debris), Indigenous Standards |
| BPSC / State PCS | International Affairs, Science & Technology, Current Affairs |
| Banking (RBI Gr B, NABARD) | Current Affairs — Standards and Trade |
| SSC / Insurance / Railway | Static GK on ISO, BIS, ISRO, Outer Space Treaty |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Art & Culture, Ancient/Medieval History, ASI |
| UPSC Mains | GS Paper I — Indian Heritage and Culture, Temple architecture, Medieval India |
| UPSC Mains | GS Paper III — Science & Technology (Indigenous knowledge, Geotechnical engineering) |
| State PCS | Indian History, Art & Culture, Current Affairs |
| SSC / Insurance / Railway | Static GK on temples, dynasties, ASI |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Indian Economy (Government schemes, Financial inclusion, Social security) |
| UPSC Mains | GS Paper II — Welfare schemes, Issues relating to development and management of Social Sector |
| BPSC / State PCS | Indian Economy, Social Sector schemes, Current Affairs |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Financial Awareness, Banking Schemes — high importance |
| Insurance / LIC AAO / IRDAI | Core area — Jan Suraksha, PMJJBY, PMSBY, APY |
| SEBI / PFRDA Officers | Pension & financial inclusion architecture |
| SSC / Railway / CAPF | Static GK on schemes, launch dates, eligibility |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper II on Government Schemes (JANANI, PMSMA, JSSK, JSY, ABDM); GS Paper III on Health |
| UPSC Mains | GS Paper II on Welfare, Health, Women and Child; GS Paper III on Health and Digital Public Infrastructure |
| BPSC and State PCS | Schemes, Health, Current Affairs |
| Banking and NABARD | General Awareness on schemes and DPI |
| NABARD Grade A | Rural health and welfare |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Indian Economy (Aviation, GIFT City, IFSCA, Government schemes) |
| UPSC Mains | GS Paper III — Infrastructure (Airports, Aviation), Mobilisation of resources, Financial markets |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Financial Awareness — Aviation Finance, IFSC |
| SEBI / IFSCA Grade A | Core area — IFSC, aircraft leasing, financial regulation |
| CA / CFA / CS | Aircraft leasing structures, IFSC tax regime |
| SSC / Insurance / Railway | Static GK on GIFT City, IFSCA, aviation regulators, airlines |
| Exam Body | Relevance & Application |
| UPSC (CSE) | GS Paper III: Science & Technology—Developments and their applications and effects in everyday life; Indigenization of technology; Internal Security. |
| RBI Grade B | General Awareness: Static and current facts about India's defense breakthroughs and strategic assets. |
| NABARD Grade A | General Awareness: National news, specifically focusing on self-reliance in critical technology sectors. |
| SSC (CGL/CHSL) | General Awareness: Facts about Agni missiles, MIRV full form, testing locations (Odisha), and DRDO leadership. |
| Defence Exams (CDS/AFCAT) | Specialized Knowledge: Technical specifications of Agni missiles and strategic implications of MIRV for the Indian Armed Forces. |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper III — Environment, Biodiversity, Conservation, IUCN, Western Ghats |
| UPSC Mains | GS Paper III — Biodiversity, Conservation, Environmental Degradation, Climate Change |
| UPSC Mains | GS Paper I — Indian Geography (Western Ghats) |
| BPSC / State PCS | Environment, Geography, Current Affairs |
| Banking (RBI Gr B, NABARD) | ESI / Environment & Sustainability |
| Forest Services (IFoS) | Core area — species, conservation status, ecological indicators |
| Geography / Zoology / Environment Optional | Biogeography, conservation biology, taxonomy |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper II — Indian Polity, Government Schemes, Welfare programmes |
| UPSC Mains | GS Paper II — Welfare schemes, Issues relating to development & management of Social Sector, Rights-based legislation |
| State PCS | Indian Polity, Welfare schemes, Current Affairs |
| Banking (RBI Gr B, NABARD) | ESI / Economic and Social Issues — high importance |
| SSC / Insurance / Railway | Static GK on MGNREGA, NRLM, government schemes |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper III — Environment, Biodiversity, Conservation, Mapping (Arunachal Pradesh, Sanctuaries) |
| UPSC Mains | GS Paper III — Biodiversity, Conservation, Climate-Biodiversity linkages |
| State PCS | Geography, Environment, Current Affairs |
| Arunachal PSC / NE State exams | Core area — local sanctuaries, ecology, Daying Ering |
| Forest Services (IFoS) | Wildlife sanctuaries, species ecology, Wildlife Protection Act |
| Banking (RBI Gr B, NABARD) | ESI / Environment & Sustainability |
| SSC / Insurance / Railway | Static GK on sanctuaries, national animals, Project Tiger |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper II — Indian Polity (Supreme Court, CJI, Articles 39A, 124), Government initiatives |
| UPSC Mains | GS Paper II — Judiciary, Judicial Reforms, e-Governance, Access to Justice |
| BPSC / State PCS | Indian Polity, Current Affairs, Digital Governance |
| Judicial Services / Law / CLAT | Core area — judicial digitisation, NJDG, SUPACE, SUVAS |
| Banking (RBI Gr B, NABARD) | Current Affairs — Digital governance |
| SSC / Insurance / Railway | Static GK on Supreme Court, CJI, e-Courts |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper II — Polity, GS Paper III — Internal Security (Currency, NCRB, UAPA, NIA) |
| UPSC Mains | GS Paper III — Internal Security (Money laundering, terror financing, FICN), Indian Economy |
| State PCS | Indian Economy, Internal Security, Current Affairs |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Banking & Economy — high importance |
| Law / Judicial Services | Currency laws, UAPA, RBI Act |
| SSC / Insurance / Railway | Static + Current GK on RBI, demonetisation, NCRB, currency notes |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Indian Economy (Employment, PLFS, LFPR, UR, WPR), Government Data Sources |
| UPSC Mains | GS Paper III — Indian Economy, Employment, Inclusive Growth, Demographic Dividend |
| BPSC / State PCS | Indian Economy, Current Affairs |
| Banking (RBI Gr B, NABARD) | ESI / Economic and Social Issues — high importance |
| SSC / Insurance / Railway | Static + Current GK on MoSPI, NSO, PLFS, employment indicators |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper II — Government Schemes (PMGSY, PMAY-G, PM-JANMAN), Welfare programmes |
| UPSC Mains | GS Paper II — Welfare schemes, Centre-State relations, Rural development |
| State PCS | Indian Economy, Rural Development, Polity, Current Affairs |
| Banking (RBI Gr B, NABARD) | Rural Economy and Development — high importance |
| Agriculture / Forest / Tribal Welfare exams | Core area — rural infrastructure, tribal schemes |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper II — Government Schemes (PMAY, AGY, Panchayati Raj), Welfare Programmes; GS Paper I — Indian Heritage and Culture (Bhima Bhoi) |
| UPSC Mains | GS Paper II — Welfare schemes, Governance, Rural Development; GS Paper III — Tourism, Inclusive Growth |
| BPSC / State PCS | Polity, Welfare Schemes, Indian Culture, Current Affairs |
| Banking (RBI Gr B, NABARD) | Rural Economy, ESI — high importance |
| SSC / Insurance / Railway | Static + Current GK on schemes, Indian poets/reformers, ministries |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Indian Economy (Agriculture, Schemes), Geography (Crops, Major Producing States), S&T (ISRO) |
| UPSC Mains | GS Paper III — Agriculture, Food Processing & Allied Industries, S&T applications in agriculture |
| State PCS | Agriculture, Indian Economy, Geography, Current Affairs |
| Banking (RBI Gr B, NABARD) | Rural & Agricultural Economy — high importance |
| SSC / Insurance / Railway | Static + Current GK on NJB, JCI, ISRO, jute industry |
| Agriculture / Forest Services / IFoS | Core area — jute cultivation, MSP, sector schemes |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper II — Indian Polity (Article 21A), Government Schemes (NEP 2020, NIPUN Bharat) |
| UPSC Mains | GS Paper II — Welfare schemes, Issues relating to development of Social Sector (Education) |
| UPSC Mains | GS Paper III — Human Capital, Inclusive Growth, Education quality |
| State PCS | Education, Polity, Social sector, Current Affairs |
| Component | Previous | New |
|---|---|---|
| Basic Customs Duty | 5% | 10% |
| AIDC (Agriculture Infrastructure and Development Cess) | 1% | 5% |
| IGST (on assessable value incl. customs duty) | 3% | 3% (unchanged) |
| Effective total tax | ~9.2% | ~18.4% |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper II — International Organisations, India's role; GS Paper III — Economy (Diamond industry) |
| UPSC Mains | GS Paper II — India's role in international organisations, bilateral and multilateral cooperation |
| State PCS | International Organisations, Current Affairs |
| Banking (RBI Gr B, NABARD) | Banking & Economy — moderate importance |
| SSC / Insurance / Railway | Static + Current GK on Kimberley Process, India's diamond industry, UN resolutions |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Geography (Monsoon); GS Paper III — Science & Technology, AI in Governance |
| UPSC Mains | GS Paper III — Indian Economy (Agriculture), Disaster Management, S&T |
| BPSC / State PCS | Agriculture, Geography, Science & Technology, Current Affairs |
| Banking (RBI Gr B, NABARD) | Rural Economy, Agriculture — high importance |
| Forest / Agriculture / Environment exams | Core area — IMD, monsoon, climate-resilient agriculture |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper II — International Organisations (IORA), India's bilateral relations |
| UPSC Mains | GS Paper II — India's foreign policy, Bilateral & multilateral relations, IOR |
| State PCS | International Affairs, Current Affairs |
| Banking (RBI Gr B, NABARD) | Indian Economy, External Sector — moderate importance |
| SSC / Insurance / Railway | Static + Current GK on IORA, MEA, ICWA, SAGAR, Indian Ocean |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper III — Environment, S&T, Climate Change, CCUS; GS Paper I — Geography (Deccan Traps) |
| UPSC Mains | GS Paper III — Environment, Climate Change, S&T, Industrial Decarbonisation |
| State PCS | Environment, S&T, Current Affairs |
| Banking (RBI Gr B, NABARD) | ESI / Environment & Sustainability — moderate importance |
| SSC / Insurance / Railway | Static + Current GK on CCUS, Deccan Traps, IIT Bombay, climate commitments |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper II — Constitutional provisions for STs, Forest Rights Act; GS Paper III — Environment, Biodiversity, Conservation |
| UPSC Mains | GS Paper II — Welfare of vulnerable sections (STs, PVTGs), Federalism, Indigenous rights |
| BPSC / State PCS | Geography, Polity, Tribal welfare, Current Affairs |
| Banking (RBI Gr B, NABARD) | ESI / Economic and Social Issues — important for environment & social section |
| Forest Services (IFoS) | Core area — wildlife sanctuaries, FRA, indigenous-conservation conflicts |
| Use case | AI tool/platform |
|---|---|
| Alternative credit scoring | Unified Lending Interface (ULI) — uses satellite data + land records |
| Language access | Banking BHASHINI — 22 scheduled Indian languages |
| Fraud detection | MuleHunter.AI — detects mule accounts in real time |
| Informal worker integration | Mission Digital ShramSetu — 490 million workers |
| Operational efficiency | Account Aggregator (AA) framework — consent-based, paperless |
| Priority | Focus |
|---|---|
| Resilience Building | Strengthening social, economic, and climate resilience of vulnerable rural communities |
| Knowledge Scaling | Strengthening knowledge systems to replicate successful Indian development models globally |
| Function | What it covers |
|---|---|
| Technical Management | Manages the international work programme for ISO/IEC 15408 (CC) and CEM |
| Standardisation | Defines technical evaluation criteria for global IT products — firewalls, OS, smart cards, etc. |
| Portal Management | Maintains the Common Criteria Portal — the authoritative global repository of certified IT products |
| Mutual Recognition | Ensures a certificate from one country (e.g., India) is valid across all 38 member nations |
| Technical Working Groups | Coordinates working groups on emerging technologies (cloud, IoT, AI, biometrics, mobile) |
| Framework | Status |
|---|---|
| Wildlife (Protection) Act, 1972 | Schedule-I (Highest protection) |
| CITES | Appendix-I |
| IUCN Red List | Vulnerable |
| National Programme | Project Lion (launched 2020) |
| Step | What happens |
|---|---|
| 1. Initial contact | A fraudulent "CBI/police/ED/IT/customs" notice or call alleging a serious offence |
| 2. Coercion | Victim deceived into compliance through threats of arrest, court action, public shame |
| 3. "Digital arrest" | Victim kept on a continuous video call under surveillance for hours/days |
| 4. Sham legal process | Fake "investigation", fake judges, fake bail/penalty demands |
| 5. Extortion | Money is extracted under the guise of "settlement", "clearance", or "fine" |
| Feature | What it offers |
|---|---|
| Digital Platform (cipie.in) | Single window for technology commercialisation services and IP support |
| Financial Assistance | (a) IP filing support for MeitY-funded and grantee institutions; (b) International patent filing support for startups and MSMEs |
| IP Advisory Services | Professional prior-art search and specialised IP advisory for high-quality patent applications |
| Commercialisation Support | IP valuation and technology readiness/maturity assessment to gauge market viability |
| Technology Transfer | Facilitates licensing between research institutions and industry players |
| Collaboration Ecosystem | Bridges industry–academia–startup partnerships for co-development |
| Prototyping & Deployment | Helps convert lab-scale prototypes into market-ready products at scale |
| Cap type | Amount |
|---|---|
| % of Plant & Machinery cost | Up to 20% |
| Per project cap | ₹5,000 crore |
| Per product cap | ₹9,000 crore (excluding SNG and Urea) |
| Per group/entity cap | ₹12,000 crore across all projects |
| Parameter | Detail |
|---|---|
| Species | Ganges soft-shell turtle (Nilssonia gangetica) |
| Identification | Arrowhead-shaped markings on top of the head |
| Habitat | Large rivers, lakes, and reservoirs |
| Ecological role | Major river predator; feeds on dead and decaying animal matter — a natural cleaner of riverine ecosystems |
| Wildlife (Protection) Act, 1972 | Schedule-I (highest protection) |
| IUCN Red List | Endangered |
| Assam's significance | 5 of 8 soft-shell turtle species in India occur in Kaziranga landscape |
| Earlier Scheme | What it covered |
|---|---|
| Assistance to State Agencies for Intra-State Movement of Foodgrains and FPS Dealers' Margin under NFSA | Financial support for moving foodgrains within states and paying FPS dealer margins |
| Scheme for Modernization and Reforms through Technology in PDS (SMART PDS) | Technology modernisation of PDS: ration card digitisation, Aadhaar seeding, e-PoS, online allocation, supply-chain computerisation |
| Aim | Detail |
|---|---|
| Stable, resilient supply chains | Reduce single-point dependencies for critical minerals and rare earth elements |
| Reduce China dependence | Counter China's dominance in processing, refining, and export of rare earths |
| Insulate technology and defence sectors | Protect against geopolitical coercion through export restrictions |
| Component | What it does |
|---|---|
| Public Data Office (PDO) | Last-mile node; buys bandwidth from TSPs/ISPs and runs the Wi-Fi hotspot |
| Public Data Office Aggregator (PDOA) | Backend layer; handles authorisation, security, accounting, and management of multiple PDOs |
| App Provider | Builds user-facing apps for registration, authentication, and hotspot discovery |
| Central Registry | Master directory of all certified App Providers, PDOAs, and PDOs; ensures interoperability |
| Indicator | Detail |
|---|---|
| Type | Highest institutional defence consultation mechanism between India and Singapore |
| Purpose | Review bilateral defence cooperation and chart future engagements |
| Frequency | Regular, policy-level dialogue |
| Indicator | Value |
|---|---|
| TFR (national) | 1.9 (below 2.1 replacement level) |
| CBR | 18.3 (from 21.0 in 2014) |
| CDR | 6.4 |
| IMR (national) | 24 per 1,000 live births |
| U5MR | 28 per 1,000 live births |
| Institutional deliveries | 95.4 per cent |
| Sex Ratio at Birth (2022-24 avg) | 918 |
| Mean age at marriage (women) | 23.1 years (rural 22.6, urban 24.4) |
| Median age | 29.2 years |
| Population 0-14 | 24.0 per cent |
| Population 15-59 | 66.4 per cent |
| Population 60+ | 9.7 per cent |
| Deaths without formal medical attention | 45.5 per cent |
| Feature | Detail |
|---|---|
| Indigenous refuelling hub | At Jind station, with local hydrogen compression and refuelling infrastructure |
| Redundant compression systems | Standby compressor unit for continuous fuelling availability |
| Advanced multi-tier safety | Hydrogen leak detectors, flame detectors, automated safety sensors across the production and dispensing line |
| Shakurbasti maintenance hub | Dedicated workshop with RDSO-approved SOPs and routine safety audits |
| 24/7 monitored transit | Round-the-clock monitoring of fuelling grids by certified teams, with technical staff onboard during early phases |
| Sector |
|---|
| Clean energy |
| Critical minerals |
| Agri-food |
| Advanced manufacturing |
| Digital technologies |
| Skills development |
| Pillar | Target Group | Focus |
|---|---|---|
| Nirbhay Netri | About 14.5 lakh Elected Women Representatives (EWRs) | Legal literacy, leadership, capacity to handle local safety issues |
| Nirbhay Chetna | About 17.5 lakh Male Elected Representatives | Sensitisation, breaking patriarchal biases, joining gender-equality and safety campaigns |
| Nirbhay Drishti | Village infrastructure | CCTV and surveillance infrastructure in strategic rural locations |
| Market | Capitalisation |
|---|---|
| Taiwan Stock Exchange | USD 4.95 trillion |
| Indian Stock Market | USD 4.92 trillion |
Every one of them was enrolled in the NABARD Mentorship Complete Course at Clarity 4 Sure. The same descriptive training and the same current affairs notes you are reading now.
| Exam Focus Area | Relevance Level |
| RBI Grade B | Finance: NBFC Regulation, SBR, and PRAVAAH portal |
| UPSC CSE | GS-3 (Economy: Banking and Financial Institutions) |
| Phase | Target Users | Mechanism |
| Initial Phase | Members with a known Member ID. | Users enter their old ID; Aadhaar validates identity for instant linking. |
| Expansion Phase | Members who cannot recall their old IDs. | Search based on name, DOB, and Aadhaar-linked history to "suggest" dormant accounts. |
| Feature | IPPB SHG Savings Account | Typical Commercial Savings Account |
| Minimum Balance | ₹0 | Often ₹500–₹5,000 |
| Initial Deposit | ₹0 | Usually required |
| Cash Transactions | Free | Often capped after 3–5 uses |
| Access Point | Doorstep (Postman) | Physical Branch / ATM |
| Focus Group | Rural Women Collectives | Individual Consumers |
| UCB Tier | Individual Unsecured Loan Limit |
| Tier-I | Up to ₹5 Lakh |
| Tier-II | Up to ₹7.5 Lakh |
| Tier-III & Tier-IV | Up to ₹10 Lakh |
| Exam Focus Area | Relevance Level |
| Banking (IBPS/SBI PO) | Current Banking Awareness: Acquisitions and Portfolio growth |
| RBI Grade B | Finance: Consolidation in the Banking Sector |
| UPSC CSE | GS-3 (Economy: Banking sector reforms and trends) |
| Country/Region | Measurement Approach |
| United Kingdom | Publishes a monthly services index that feeds directly into monthly GDP estimates. |
| South Korea | Uses value-based indicators adjusted by sector-specific producer prices. |
| European Union | Compiles monthly indices across member states to track regional economic health. |
| India (Proposed) | Value-based (GST data) adjusted by a mix of CPI proxies (due to lack of a PPI). |
| Layer | Type of NBFC | Regulatory Intensity |
| Base Layer (BL) | Non-deposit taking NBFCs below ₹1000 Cr. | Lowest |
| Middle Layer (ML) | All deposit-taking NBFCs; CICs; NBFCs > ₹1000 Cr. | Moderate |
| Upper Layer (UL) | Top 15 NBFCs identified by RBI based on risk/size. | High (Mandatory Listing) |
| Top Layer (TL) | Entities posing extreme systemic risk (Currently empty). | Highest |
| Exam | Focus Area | Relevance Level |
| RBI Grade B | Phase II: Finance (Payment Systems, Fintech Evolution) | Extreme |
| UPSC CSE | GS-3 (Indian Economy: Digital Infrastructure, Banking Reforms) | High |
| Banking (SBI/IBPS) | General Awareness: NPCI subsidiaries and digital payment updates | Very High |
| Exam | Focus Area |
| UPSC CSE | GS-3 (Economy: Investment Models, Banking & Insurance) |
| RBI Grade B | Finance (FEMA Rules, FDI Policy) |
| Banking / Insurance Exams | General Awareness: Current IRDAI and MoF notifications |
| Exam | Focus Area |
| RBI Grade B | Finance (Consumer Protection, Credit Culture) |
| UPSC CSE | GS-3 (Economy: Banking/Energy Infrastructure) |
| Banking (SBI/IBPS) | General Awareness: Current RBI circulars and Industry News |
| Exam | Focus Area |
| UPSC CSE (GS-3) | Economy: Banking regulations, Financial inclusion, and the role of the RBI. |
| RBI Grade B | Banking awareness, DEAF guidelines, and the UDGAM interface. |
| SSC / Banking | Current Affairs: The name of the portal (UDGAM), the DEAF corpus year (2014), and recent court rulings. |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Indian Economy (Banking, NPAs, RBI regulation) |
| UPSC Mains | GS Paper III — Banking Sector Reforms, NPA Resolution, Financial Stability |
| BPSC / State PCS | Indian Economy, Current Affairs |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Banking Awareness, Recent RBI Norms — high importance |
| SEBI Grade A | Financial Regulation, Stressed Assets |
| SSC / Insurance | Static GK on banking laws and recovery mechanisms |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Indian Economy (SEBI, Capital Markets, GIFT City, IFSCA) |
| UPSC Mains | GS Paper III — Financial Markets, Mobilisation of Resources, Financial Inclusion |
| BPSC / State PCS | Indian Economy, Current Affairs |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Financial Awareness, Capital Markets — high importance |
| SEBI Grade A | Core area — SEBI regulations, OBPPs, IFSCA, bond market |
| SSC / Insurance | Static GK on regulators, GIFT City, financial schemes |
| Exam | Relevance |
|---|---|
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Financial Awareness, Forex Regulations — high importance |
| SEBI Grade A | Adjacent area — capital flows, regulatory architecture |
| SSC / Insurance / Railway | Static GK on RBI, FEMA, LRS, FFMC |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Indian Economy (Banking sector, RBI regulations, capital markets) |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Financial Awareness — very high importance; banking ownership norms, SFBs |
| SEBI Grade A | LODR Regulations, ownership norms, capital market disclosures |
| SSC / Insurance / Railway | Static + Current GK on banks, RBI, SEBI |
| Stakeholder Group | Role in the Ecosystem |
| MIIs (Market Infrastructure Institutions) | The backbone of the market, including Stock Exchanges (NSE, BSE), Clearing Corporations, and Depositories (NSDL, CDSL). |
| QRTAs (Qualified Registrar and Transfer Agents) | Agencies that maintain records of share transfers and investor information; their data is a high-value target for hackers. |
| REs (Regulated Entities) | Intermediaries such as stockbrokers, mutual fund houses, and investment advisors who interact directly with investors. |
| Feature | Old Rule (Prescriptive) | New Rule (Simplified) |
| Current Year Profit | Could be added to capital only if NPA provisions stayed within a 25% deviation of the 4-quarter average. | Can be added to capital on a quarterly basis without any additional conditions. |
| Frequency | Often delayed due to the "deviation check." | Seamless quarterly inclusion. |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Indian Economy (RBI, Banking Regulation, KYC, AML) |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Banking Awareness, AML/KYC compliance — high importance |
| SEBI Grade A | Adjacent area — financial regulation |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Indian Economy (FPI/FDI, SEBI, Capital Markets) |
| UPSC Mains | GS Paper III — External Sector, Financial Markets, Mobilisation of Resources |
| BPSC / State PCS | Indian Economy, Current Affairs |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Financial Awareness, External Sector — high importance |
| SEBI Grade A | Core area — FPI regulations, capital flows |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Indian Economy (SEBI, Commodity Markets, Derivatives) |
| UPSC Mains | GS Paper III — Financial Markets, Mobilisation of Resources, Agricultural Marketing |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Financial Awareness, Capital Markets — high importance |
| SEBI Grade A | Core area — SEBI regulations, commodity derivatives, NCDEX, MCX |
| SSC / Insurance / Railway | Static GK on regulators, exchanges, FMC-SEBI merger |
| Agricultural / Forest Services exams | Agri marketing, price discovery, hedging mechanisms |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — International Organisations (BIS, ECB), Indian Economy (RBI) |
| UPSC Mains | GS Paper II — India and bilateral/multilateral institutions, India-EU relations |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Banking & Economy — high importance |
| SEBI Grade A | Global Financial Regulation, Cross-border supervision |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Indian Economy (GDP, RBI, MPC, Inflation), Geography (El Niño) |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Banking & Economy — high importance |
| SEBI Grade A | Macroeconomic policy, financial markets |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Indian Economy (Fintech, SEBI, Gold investment options) |
| UPSC Mains | GS Paper III — Financial Markets, Investor protection, Fintech regulation |
| State PCS | Indian Economy, Current Affairs |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Financial Awareness, Fintech & Gold investment products |
| SEBI Grade A | Core area — capital markets, investor protection, regulatory gaps |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Indian Economy (SEBI, Capital Markets, AIFs, Investor Protection) |
| UPSC Mains | GS Paper III — Financial Markets, Mobilisation of Resources, Capital Market Reforms |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Financial Awareness, Capital Markets — high importance |
| SEBI Grade A | Core area — AIFs, accredited investors, PPM, IPF, depositories |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — International Organisations (EU, ECB, Eurozone), Indian Economy (RBI cooperation) |
| UPSC Mains | GS Paper II — India and bilateral/multilateral institutions, India-EU relations |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Banking & Economy — high importance |
| SEBI / IFSCA Grade A | Global financial governance, cross-border cooperation |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Indian Economy (Inflation, CPI/WPI, RBI, MPC) |
| UPSC Mains | GS Paper III — Indian Economy, Monetary Policy, External Sector, Food Security |
| State PCS | Indian Economy, Current Affairs |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Banking & Economy — high importance |
| SEBI Grade A | Macroeconomic policy, financial markets |
| Exam | Relevance |
|---|---|
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Financial Awareness — Insurance — high importance |
| Insurance / IRDAI / LIC AAO | Core area — Marine Insurance, P&I, Public Sector insurers |
| SSC / Insurance | Static + Current GK on DFS, New India Assurance, Strait of Hormuz |
| Exam | Relevance |
|---|---|
| State PCS | Indian Economy, Current Affairs |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Financial Awareness, Capital Markets — high importance |
| SEBI Grade A | Core area — AIFs, accredited investors, PPM, regulatory innovation |
| Exam | Relevance |
|---|---|
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Banking & Economy — High importance: FEMA, AD banks, LRS, KYC |
| RBI Grade B | Forex regulation, payments and settlements, fintech regulation — very high importance |
| SEBI / IRDAI Grade A | Financial regulation, fintech, cross-jurisdictional supervision |
| Component | YoY Change |
|---|---|
| Fuel and power | +24.71% |
| Petroleum and natural gas | +67.2% |
| Measure | What it does |
|---|---|
| Additional authentication by trusted individuals | For vulnerable users (senior citizens, first-time digital users) |
| Tighter scrutiny of accounts | For accounts receiving large credits — potential mule-account check |
| Expanded customer-controlled safeguards | Per-account / per-customer customisable risk controls |
| ₹25 lakh ceiling on annual aggregate credits | Proposed cap on total credits into a bank account in a year (banks flagged as not feasible) |
| Exam | Relevance |
|---|---|
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Banking & Economy — high importance |
| SEBI / IRDAI / NABARD Grade A | Financial regulation, fraud prevention |
| Age | Equity (E) | Corporate Bonds (C) | Government Securities (G) |
|---|---|---|---|
| Up to 60 | 35 | 10 | 55 |
| 65 | 25 | 15 | 60 |
| 70 | 15 | 20 | 65 |
| 75 | 10 | 20 | 70 |
| 80+ | 10 | 15 | 75 |
| Feature | InvIT | REIT |
|---|---|---|
| Underlying asset | Infrastructure (roads, power, telecom) | Commercial real estate (office, retail) |
| Income source | Toll, tariff, lease, contracted revenue | Rental income from properties |
| Asset life cycle | Often concession-based, finite tenure | Generally long-life real estate |
| Risk profile | Concession risk, traffic risk, regulatory risk | Tenant risk, vacancy risk, real estate cycle |
| Investor base | Largely institutional initially | Institutional + retail (post 2019 reform) |
| Pillar | Focus |
|---|---|
| Pillar 1 | Minimum capital requirements (CRAR, leverage, LCR, NSFR). |
| Pillar 2 | Supervisory review (ICAAP, RBI inspection, capital adequacy assessment). |
| Pillar 3 | Market discipline via public disclosures. |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper III — Indian Economy (Banking, DICGC, Cooperative banks); GS Paper II — Governance |
| UPSC Mains | GS Paper III — Indian Economy, Banking sector, Financial stability, Cooperative banking reform |
| BPSC / State PCS / Maharashtra PSC | Indian Economy, Banking, Cooperative sector, Current Affairs |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Banking & Economy — high importance |
| NABARD Grade A | Core area — Cooperative banks, regulation, financial inclusion |
| Feature | VRR | Fixed Rate Repo |
|---|---|---|
| Rate | Market-determined via auction | Fixed at policy repo rate |
| Quantity | Notified by RBI; bids submitted | Available at fixed rate |
| Use | Active liquidity management | Standing facility |
| Frequency | Periodic, as needed | Always available |
| Decision | Applicability |
|---|---|
| IFR requirement withdrawn | Banks maintaining capital charge for market risk under revised investment portfolio framework |
| IFR balance → CET1 capital | Via transfer to statutory reserve, general reserve, or P&L balance |
| IFR retained but eased | UCBs, SFBs, Payments Banks, RRBs — assessment only on balance-sheet dates (not continuous) |
| Aspect | All Inclusive Direction (AID) | Licence Cancellation |
|---|---|---|
| Bank's legal existence | Continues | Ceases as a bank |
| Operational scope | Restricted, but ongoing | Wound up |
| Reversibility | Reversible (can be lifted) | Irreversible |
| Outcome | Recovery / merger / liquidation | Liquidation |
| Section of BR Act | Section 35A | Sections 22 and 36AA |
| Depositor recourse | Withdrawals capped + DICGC | Full DICGC payout + liquidation distribution |
| Aspect | UPI | IMPS |
|---|---|---|
| Launch year | 2016 | 2010-14 |
| Channel | Mobile (UPI app) | Mobile, internet, ATM, branch |
| Address | VPA (UPI ID) | Account number + IFSC, or mobile + MMID |
| Authentication | UPI PIN | Bank's authentication |
| Transaction limit (typical) | ₹1 lakh (₹5 lakh for specific use cases) | ₹5 lakh |
| Volume share | Dominant | Smaller, declining |
| Provision | Existing | Proposed |
|---|---|---|
| P2P monthly transfer cap | (Higher) | ₹25,000 |
| Cash loading limit (monthly) | ₹50,000 | ₹10,000 |
| Overall monthly balance cap | (Higher) | ₹2 lakh |
| Small PPI use | Wider use | Only for goods & services purchase |
| Factor | Impact |
|---|---|
| 2026 West Asia conflict | Oil >$100/barrel; supply-chain risk |
| Strait of Hormuz disruption | Tanker insurance costs; shipping delays |
| FPI outflows | ~₹14,231 crore in May 2026 |
| Strong US dollar globally | DXY pressure on all EM currencies |
| CAD widening pressures | Trade deficit deterioration |
| Bearish sentiment | Self-reinforcing depreciation expectations |
| Area | Current Framework | Proposed Reform |
|---|---|---|
| Mainboard IPO band | -50% to +100% from base price | Auto-widening by 10% when equilibrium price approaches threshold |
| SME IPO band | ±90%, no flexing | Flexing mechanism extended |
| Band expansion trigger | — | 5 PAN-based unique investors needed at extremes |
| Relisting base price | — | Latest traded price ≤ 6 months old |
| No recent price | — | Independent valuation agency certificates |
| Relisting after >6 months suspension | — | Lower of two independent valuers' book values |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper III on Indian Economy (RBI, fiscal-monetary interaction, central banking) |
| Banking (RBI Gr B, SBI PO, IBPS, NABARD) | Banking and Economy, high importance |
| SEBI, IRDAI, NABARD Grade A | Financial regulation, central banking |
| Stage | Minimum Positive Net-Worth |
|---|---|
| At the time of application | ₹5 crore |
| By the end of the 3rd financial year from grant of authorisation | ₹15 crore |
| At all times thereafter | ₹15 crore continuously |
| Licence | Function |
|---|---|
| Corporate Agency | Sell insurance products of multiple insurers (typically up to 9 per line of business) |
| Insurance Self Network Platform (ISNP) | Operate a fully digital, end-to-end insurance distribution platform online |
| Entity | Penalty | Nature of Lapse |
|---|---|---|
| City Union Bank Limited | ₹10.10 lakh | Priority Sector Loan charges + SHG data reporting failure |
| Newa Investments Private Limited | ₹2.70 lakh | Governance: appointing directors without prior RBI written permission |
| Mintifi Finserve Private Limited (NBFC) | ₹3.10 lakh | KYC: failure to upload customer KYC to Central KYC Records Registry on time |
| Provision | Requirement |
|---|---|
| Maximum continuous tenure | 10 years |
| Cooling-off period | 3 years (compulsory) |
| Reappointment | Only after the cooling-off period ends |
| Permitted association during cooling-off | Only as a member or customer of the UCB |
| Prohibited association during cooling-off | Any other capacity, including consultant, advisor, committee member |
| Initiative | Aim | Key Features |
|---|---|---|
| SIDBI MachFin Mart | A B2B digital marketplace for MSMEs to buy modern machinery with built-in financing | Transparent price discovery; quality-benchmark filters; integrated low-interest asset financing via SIDBI; faster shift from manual to automated production |
| RRB Co-Lending Portal | A data-sharing bridge between SIDBI and Regional Rural Banks to push credit to rural micro-enterprises | Risk-sharing architecture; digital scoring instead of physical underwriting; last-mile penetration to borrowers without formal credit history; unified dashboard down to the district level |
| Modernisation of Rural Enterprises (MoRE) Programme | A three-year framework to modernise 10,000 rural micro and artisanal units between 2026 and 2029 | Cluster-based interventions (handloom, pottery, etc.); structured training, digital literacy, and financial coaching; supply-chain integration with e-commerce; green energy and energy-efficient tools |
| Challenge | Detail |
|---|---|
| Delays | Average resolution still around 2 years, far above the 330-day target |
| Liquidation-heavy outcomes | 3,003 of 7,102 closed cases ended in liquidation, not revival |
| Sector recovery variation | Scheduled commercial banks recovery rate dropped to 36.6 per cent in 2024-25 |
| Legacy case burden | 42 per cent of resolved cases came from BIFR-era or defunct firms |
| Feature | New Jeevan Sathi Single Premium | New Jeevan Sathi Limited Premium |
|---|---|---|
| Type | One-time premium payment | Limited premium payment |
| Premium Payment Term (PPT) | One-time | 5, 10, or 15 years |
| Policy Term | 10 to 25 years | 10 to 25 years |
| Guaranteed Additions | ₹70 per ₹1,000 of Basic Sum Assured (BSA) | 7 per cent on Tabular Annual Premium (TAP) |
| Joint Life Cover | Yes (for couples) | Yes (for couples) |
| Premium Waiver on First Death | Yes (as applicable) | Yes (Premium waiver on first death) |
| Loan Facility | Available | Available |
| Payout Options | Flexible | Flexible |
| Service | Use Case |
|---|---|
| Point-of-Sale (PoS) acceptance | In-store card and digital payments using PoS terminals |
| QR-based payments | Static and dynamic QR codes at retail counters |
| Merchant settlement solutions | Settling proceeds to merchant bank accounts |
| Soundbox deployment | Audio confirmation devices for small shops that hear transaction success in their local language |
| EDC (Electronic Data Capture) machines | Card swipe and digital payment acceptance hardware |
| Exam Focus Area | Relevance Level |
| UPSC CSE | GS-3 (Agriculture: MSP, Procurement, Food Security) |
| State PSCs | Regional agricultural policies and disaster management |
| Banking / IBPS AFO | Agricultural finance and crop quality standards |
| Category | Mechanization Level (Approx) | Objective |
| Current (2024-25) | ~47% | Transitioning from animal power to mechanical power. |
| Target 2030 | ~60% | Scaling up precision tools and drone technology. |
| High Mechanization States | Punjab, Haryana | Extensive use of tractors and combine harvesters. |
| Low Mechanization States | North-East, Hill states | Focus on specialized, small-scale mountain machinery. |
| Rank | State | Catch (Million Tonnes) | Trend / Remarks |
| 1 | Tamil Nadu | — | Overtook Gujarat to take the top spot. |
| 2 | Gujarat | — | 15% Decline due to weather and fishing bans. |
| 3 | Kerala | 0.62 | Marginal 2% increase; highest marketing efficiency. |
| 4 | Karnataka | — | 43% Surge (recovering from a steep 2024 decline). |
| 5 | Maharashtra | — | 16% Increase in landings. |
| Exam | Relevance |
|---|---|
| State PCS | Indian Economy, Schemes, Geography |
| RBI Gr B, NABARD | Rural and Agricultural Economy — high importance |
| Exam | Relevance |
|---|---|
| Banking (RBI Gr B, NABARD) | Rural & Agricultural Banking — high importance |
| SSC / Insurance / Railway | Static + Current GK on agriculture schemes, AgriStack, PM-KISAN |
| Agriculture / Forest Services exams | Core area — DAM, AgriStack, farmer identity systems |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper II — Welfare schemes; GS Paper III — Agriculture, Science & Technology |
| BPSC / State PCS | Agriculture, Health, Government Schemes, Current Affairs |
| Banking (RBI Gr B, NABARD) | Rural Economy, Agriculture & Health — high importance |
| Agriculture / Forest Services / Health Services | Core area — biofortification, millets, One Health, IFS |
| Exam | Relevance |
|---|---|
| NABARD Grade A | Very high importance on agriculture, rural credit, sustainability |
| Agriculture, Geography, Environment Optional | Sustainable agriculture, soil management, agricultural policy |
| Indicator | Detail |
|---|---|
| Number of products | Eight currently offered in India |
| Flagship product | AgroBeize: developed exclusively for India, combines silver and copper nanoparticles, also registered as a disinfectant |
| Recently FCO-registered | AgroCopper (nano copper) |
| FCO registration pending | Nano iron |
| Feature | Detail |
|---|---|
| Full Name | Nagoya Protocol on Access to Genetic Resources and the Fair and Equitable Sharing of Benefits Arising from their Utilization |
| Parent Treaty | Convention on Biological Diversity (CBD), 1992 |
| Adopted | Nagoya, Japan, 2010 |
| Entered into Force | 2014 |
| Scope | Biological materials and Digital Sequence Information (DSI) |
| Category | Definition | Countries (2026) |
| Priority Foreign Country | Most systemic/severe IP violations; leads to investigations. | Vietnam |
| Priority Watch List | Significant IP concerns requiring high-level engagement. | India, China, Russia, etc. |
| Watch List | Merits bilateral monitoring but less severe than priority. | European Union, etc. |
| Rank | University | Country/Region | Score |
| 1 | Tsinghua University | China | 93.6 |
| 2 | Peking University | China | 93.1 |
| 3 | National University of Singapore | Singapore | 91.1 |
| 4= | Nanyang Technological University | Singapore | 85.1 |
| 4= | University of Tokyo | Japan | 85.1 |
| 6 | University of Hong Kong | Hong Kong | 84.3 |
| 7 | Fudan University | China | 82.9 |
| 8 | Zhejiang University | China | 82.6 |
| 9 | Shanghai Jiao Tong University | China | 82.1 |
| 10 | Chinese University of Hong Kong | Hong Kong | 81.1 |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper III — Environment, Biodiversity, Climate Change, International Reports |
| UPSC Mains | GS Paper III — Environment & Climate Change, Biodiversity, Sustainable Development |
| BPSC / State PCS | Geography, Environment, Current Affairs |
| Banking (RBI Gr B, NABARD) | ESI / Environment & Sustainability — high importance |
| SSC / Insurance / Railway | Static + Current GK on UN bodies, forest reports, climate initiatives |
| Forest Services (IFoS) | Core area — UNFF, REDD+, Bonn Challenge, primary forests, restoration |
| Feature | FAME-II (Ended 2024) | PM E-DRIVE (2024–2026/28) |
| Primary Goal | Market creation & awareness | Mass adoption & infrastructure scaling |
| Electric Cars | Included in early phases | Excluded (Supported via 5% GST only) |
| Subsidy Model | Direct dealer-led discount | Aadhaar-authenticated E-Voucher |
| Emerging Segments | Limited focus | Inclusion of Ambulances and E-Trucks |
| Charging Target | ~7,000 stations | ~72,300 fast charging points |
| Body | Level | Primary Responsibility |
| National Biodiversity Authority (NBA) | National | Regulatory oversight and international legal protection. |
| State Biodiversity Board (SBB) | State | Technical guidance and funding (e.g., Kerala SBB's Kavu project). |
| Biodiversity Management Committee (BMC) | Local | Preparation and custody of the PBR at the Panchayat/Municipal level. |
| Exam | Focus Area | Relevance Level |
| UPSC CSE | GS-3 (Internal Security, Border Area Management) | Very High |
| JPSC / BPSC | Civil-Military relations and humanitarian outreach | High |
| CAPF (AC) | Role of forces in nation building and social welfare | Extreme |
| Organization | Country | Primary Focus |
| U Yich Lu’um | Mexico | Interdisciplinary research and alternative development (likely Indigenous-led). |
| GECI | Mexico | Island Ecology: Specializing in restoring fragile island ecosystems. |
| Belize Fund | Belize | Sustainable finance for marine and coastal conservation (crucial for the Mesoamerican Reef). |
| ACOFOP | Guatemala | Community Forestry: Protecting the Maya Biosphere Reserve through local management. |
| Fundación Segundo Montes | El Salvador | Community-based environmental social development. |
| Driver | Example |
|---|---|
| Rapid urbanisation (45%+ live in cities) | Land reclamation in Manila Bay, Maldives |
| Infrastructure development | India's PMAY, highway expansion |
| Population growth (8.2 billion in 2025) | Mass housing in developing nations |
| Climate adaptation | Gulhifalhu (Maldives) — 24.5 million cubic metres dredged |
| Technology demand | Silicon for semiconductors, solar panels, data centres |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper I — Art and Culture (Chola dynasty, copper plates, architecture, religion); GS Paper II — India's bilateral relations |
| UPSC Mains | GS Paper I — Ancient and Medieval Indian History, Art and Culture |
| BPSC / State PCS | Indian History, Art and Culture, Current Affairs |
| Banking (RBI Gr B) | General Awareness / Indian heritage — moderate importance |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper III — S&T, Indian Economy (Semiconductors, ISM, SPECS); GS Paper I — Geography (Rajasthan) |
| UPSC Mains | GS Paper III — S&T, Indigenisation, Industrial Growth, Make in India |
| State PCS | Indian Economy, Science & Technology, Current Affairs |
| Banking (RBI Gr B, NABARD) | Indian Economy, Industrial Growth — moderate importance |
| SSC / Insurance / Railway | Static + Current GK on ISM, SPECS, EMC, semiconductor projects |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper II — Polity (Parliamentary Committees, NCW, Women's empowerment); Constitutional provisions |
| UPSC Mains | GS Paper II — Polity, Governance, Welfare schemes; Issues related to women |
| BPSC / State PCS | Polity, Welfare, Current Affairs |
| Banking (RBI Gr B, NABARD) | ESI / Economic and Social Issues — moderate importance |
| SSC / Insurance / Railway | Static + Current GK on Parliament, Committees, NCW |
| Scheme | Focus |
|---|---|
| DAY-NRLM | Foundational SHG mobilisation, credit, training |
| Lakhpati Didi | Income target — ₹1 lakh+/year |
| PM PRANAM | Sustainable agricultural inputs |
| Mahila Kisan Sashaktikaran Pariyojana (MKSP) | Women farmers' productivity |
| Start-up Village Entrepreneurship Programme (SVEP) | Rural enterprise creation |
| SHE-MART | Market access and forward linkages |
| Mission Shakti | Women's safety, empowerment umbrella |
| Exam | Relevance |
|---|---|
| UPSC Prelims | GS Paper III — Environment, Water resources, Biodiversity; GS Paper I — Geography (J&K, Himalayan systems), Culture |
| UPSC Mains | GS Paper III — Environment, Water conservation, Climate change |
| Banking (RBI Gr B, NABARD) | ESI / Environment, Rural development — moderate importance |
| SSC / Insurance / Railway | Static + Current GK on traditional water systems, J&K geography |
| Aspect | Article 123 (President) | Article 213 (Governor) |
|---|---|---|
| Level | Union | State |
| When | Either House not in session OR prorogued | Legislature not in session |
| Advice | Union Council of Ministers | State Council of Ministers |
| Subject matter | Union and Concurrent Lists | State and Concurrent Lists |
| Special provision | None | Some matters require President's prior instructions |
| Feature | Function |
|---|---|
| NGO Darpan Integration | Cross-links with NITI Aayog's NGO Darpan for automated authentication of applicant NGOs/institutions |
| Scheme-Wise Application Pathways | Customised evaluation paths for each Central Sector Scheme |
| Real-Time Tracking | Interactive dashboard for applicants and reviewers |
| Single-Window Integration | Accessible via the My Ayush Integrated Services Portal (MAISP) |
| Parameter | Value |
|---|---|
| Weight | 12.5 kg |
| Max range | 10 km |
| Active engagement range | 4 km (day) / 2.5 km (night) |
| Guidance | Dual-channel Imaging Infrared (IIR) seeker + Laser guidance |
| Accuracy (CEP) | 10 cm |
| Datalink | Two-way S-Band |
| Propulsion | Dual-thrust solid propellant, smokeless |
| South Asia | Southeast Asia | Indian Ocean |
|---|---|---|
| Bhutan | Cambodia | Maldives |
| Nepal | Indonesia | Seychelles |
| Sri Lanka | Laos | |
| Malaysia | ||
| Myanmar | ||
| Philippines | ||
| Vietnam |
| Uprising | Year | Leader | Region |
|---|---|---|---|
| Chuar Rebellion | 1799 | — | Bengal-Bihar |
| Bhil Rebellion | 1818-31 | — | Western India |
| Kol Rebellion | 1831-32 | Buddhu Bhagat | Chhota Nagpur |
| Khasi Rebellion | 1829-33 | Tirot Singh | Meghalaya |
| Santhal Rebellion (Hul) | 1855-56 | Sidhu, Kanhu, Chand, Bhairav Murmu | Jharkhand, Bengal |
| Tilka Manjhi's Revolt | 1784 | Tilka Manjhi | Bengal/Bihar |
| Munda Ulgulan | 1899-1900 | Birsa Munda | Chhota Nagpur |
| Bhumkal | 1910 | Veer Gundadhur | Bastar |
| Tana Bhagat Movement | 1914 | Jatra Oraon | Chhota Nagpur |
| Rampa Rebellion | 1922-24 | Alluri Sitarama Raju | Andhra |
| Warli Revolt | 1945-47 | Godavari Parulekar | Maharashtra |
| Area | India's Initiative | Scale |
|---|---|---|
| Food Safety Net | PMGKAY — free foodgrains | 800 million citizens |
| Farmer Income Support | PM-KISAN — direct cash transfers via DPI | 110+ million smallholders |
| Climate Resilience | Indigenous bio-fortified, climate-resilient varieties | ~3,000 varieties |
| Agritech Integration | Drones, AI weather advisories, satellite remote-sensing | Across multiple states |
| Water Conservation | 'Per Drop More Crop' (PMKSY) — micro-irrigation, sensor-based management | Water-stressed agrarian belts |
| Objective | Investigation |
|---|---|
| Surface mapping | Volcanic features, terrain |
| Hotspot detection | Active volcanism |
| Subsurface sounding | Internal structure |
| Cloud dynamics | Atmospheric monitoring |
| Liquid water history | Did Venus once have water? |
| Function | Role |
|---|---|
| Think Tank | Research on productivity, climate, economic trends |
| Catalyst | Promote bilateral/multilateral engagements; institutional reforms |
| Regional Adviser | Policy advisory to governments |
| Institution Builder | Train HR; strengthen NPOs, SMEs, public sector |
| Clearinghouse | Gather and disseminate productivity best practices and tools |
| Component | Function |
|---|---|
| NIDAN Kendras | Advanced genetic diagnostics and counselling |
| Clinician training | Capacity-building of doctors and geneticists |
| Community outreach | Underserved region screening and awareness |
| UMMID Dashboard | Nationwide digital monitoring |
| Feature | Function |
|---|---|
| AI Smart Assistant | 24×7 conversational support for schedules, venue, directions, queries |
| Networking & Meeting Modules | Partner discovery, meeting scheduling, availability management, interaction tracking |
| QR-Based Lead Capture | Scan digital badges; save contact details for follow-ups |
| Feature | Description |
|---|---|
| Cryptic species | Morphologically near-identical to the Kumbara night frog (Nyctibatrachus kumbara) |
| Genetic identification | Confirmed as separate lineage via DNA isolation and sequencing |
| Bioacoustic profile | Distinct frequency and pulse patterns in the male's mating call |
| Behaviour | Nocturnal, active at night near fast-flowing streams |
| Distribution | Micro-endemic, restricted to a small pocket of the central Western Ghats |
| Priority | Stated Goal |
|---|---|
| National Security | Securing India's digital and data infrastructure |
| Economic Growth | Building toward a USD 1 trillion digital economy by 2030 |
| Technological Self-Reliance | Reducing dependence on foreign digital infrastructure and platforms |
| Body | Role |
|---|---|
| Ministry of Finance, Department of Financial Services (DFS) | Policy framework and budgetary backing |
| National Credit Guarantee Trustee Company (NCGTC) | Implementing agency; administers guarantees, claims, recoveries |
| Member Lending Institutions (MLIs) | Banks, NBFCs, FIs that disburse the loans |
| Ministry of MSME | Coordinates with eligible MSME borrowers |
| Priority | Focus |
|---|---|
| AI Integration | AI-driven visitor advisory, predictive tourism flow algorithms, smart hospitality |
| Sustainability & Responsible Tourism | Low-carbon travel footprints, waste reduction in heritage zones, revenue flowing to indigenous communities |
| Skilling & Capacity Building | Collaborative certification networks, digital literacy, hospitality training |
| Seamless Travel Facilitation | Easier border checks, e-visas, visa-free models, intra-BRICS exchanges |
| The Jaipur Roadmap | Path to the 2nd TWG Meeting and the BRICS Tourism Ministers' Meeting in Jaipur, where a joint ministerial declaration will be finalised |
| Aspect | Detail |
|---|---|
| Members | India, United States, Australia, Japan |
| Nature | Non-military, plurilateral strategic coalition |
| Founding character | Informal, consultative, no permanent secretariat or treaty |
| Identity | Coalition of maritime democracies |
| Objective | What it means |
|---|---|
| Bridge research and industry | Move technologies from ICMR institutes and labs into commercial production |
| Affordable healthcare | Bring down costs by enabling indigenous manufacturing |
| Strengthen the IP ecosystem | Support patent filing, protection, and licensing |
| Public-private partnerships | Bring researchers, startups, and industry on one platform |
| Support Viksit Bharat 2047 | Build an innovation-led, self-reliant health economy |
| Role | What it does |
|---|---|
| Migratory bird flyway node | Stopover and wintering site for thousands of long-distance migratory birds on Central Indian flyways |
| Rich aquatic food web | Healthy supply of fish, macro-invertebrates, and foraging material for birds |
| Multiple micro-habitats | Deep open water, shallow marshes, and aquatic vegetation beds, supporting nesting and roosting |
| Community-led bio-fencing | Living green barriers protect breeding grounds from human and cattle pressure |
| Hydrological stabiliser | Big groundwater recharge basin, maintains the water table, supports nearby farms |
| Instrument | Built by | Function |
|---|---|---|
| Soft X-ray Imager (SXI) | ESA | Captures X-ray emissions from solar wind ions colliding with Earth's neutral atmosphere; maps magnetosphere boundaries. |
| Ultraviolet Aurora Imager (UVI) | China (CAS) | High-resolution UV imaging of the northern auroral oval. |
| Light Ion Analyser (LIA) | China (CAS) | Measures velocity, density, temperature of solar wind ions directly. |
| Magnetometer (MAG) | China (CAS) | Measures local magnetic field strength and direction. |
471 lessons · ARD master notes · descriptive answers evaluated by hand · daily 11 AM live class.