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  • 23% of PM Jan Dhan accounts inoperative

    Why in the news?

    The Government informed Parliament that 23% of the 56.04 crore PM Jan Dhan Yojana accounts are inoperative.

    About Pradhan Mantri Jan Dhan Yojana (PMJDY):

    • Launch: Introduced in 2014 as the world’s largest financial inclusion mission.
    • Objective: To provide banking to the unbanked, insurance to the unsecured, and credit to the unfunded.
    • Accounts: Basic Savings Bank Deposit (BSBD) accounts with zero balance, minimal paperwork, and e-KYC facility.
    • Benefits: RuPay debit card with accident insurance, overdraft, micro-insurance, and pension coverage.

    Key Features:

    • Access: Universal banking through branches and Business Correspondents.
    • Overdraft: Up to ₹10,000 for eligible account holders.
    • Insurance: Accident cover of ₹1 lakh (₹2 lakh for new accounts post-2018); life cover of ₹30,000 for accounts opened between August 2014–January 2015.
    • Interoperability: Enabled via RuPay cards and Aadhaar-linked platforms.
    • Post-2018 Expansion: Coverage extended to all unbanked adults, overdraft limit enhanced, and eligibility age increased from 60 to 65 years.
    • Direct Benefit Transfers: Strengthened subsidy delivery through the JAM Trinity (Jan Dhan–Aadhaar–Mobile).

    Do you know?

    As per the Reserve Bank of India (RBI) guidelines (2009), an account is considered dormant if no transaction occurs for over two years.

     

    [UPSC 2015] Pradhan Mantri Jan-Dhan Yojana’ has been launched for

    Options:

    (a) providing housing loan to poor people at cheaper interest rates

    (b) promoting women’s Self-Help Groups in backward areas

    (c) promoting financial inclusion in the country*

    (d) providing financial help to the marginalized communities

     

  • How are Soaps and Detergents manufactured?

    Why in the News?

    This newscard is an excerpt from the original article published in ‘The Hindu’.

    About Soap:

    • Composition: Soap is sodium (Na) or potassium (K) salt of fatty acids derived from vegetable oils or animal fats.
    • Formula: Solid soaps are RCOONa, liquid soaps are RCOOK.
    • Function: Cleansing agent due to dual hydrophilic (water-attracting) and hydrophobic (oil-attracting) nature.
    • History: Used since 2800 BC in Mesopotamia and ancient India (soap nuts, bark, flowers). Became mass-produced during the Industrial Revolution, initially a luxury.

    Soap-Making Process

    • Raw Materials: Oils such as coconut, olive, palm, sunflower provide triglycerides.
    • Hydrolysis: Oils hydrolysed with hot water under pressure → fatty acids + glycerin.
    • Saponification: Fatty acids react with sodium hydroxide (NaOH) → soap (RCOONa) + water.
    • Processing: Soap dried into noodles, blended with perfumes, colours, fillers, additives.
    • Shaping: Extruded, cut, and stamped into bars.
    • Quality: Total Fatty Matter (TFM) indicates quality; higher TFM = better cleansing.
    • Production Scale: Modern automated lines make 600–700 soaps per minute.

    Ecological Impact of Soap

    • Biodegradability: Traditional soaps are biodegradable and safer for the environment.
    • Detergents: Synthetic alternatives developed during World War I oil shortages; more efficient but harmful.
    • Pollution: Surfactants and phosphates in detergents cause nutrient pollution and persist in ecosystems.
    [UPSC 2002] Consider the following statements:

    Assertion (A) Synthetic detergents can lather well in hard water.

    Reason (R): Synthetic detergents form soluble calcium and magnesium salts with hard water.

    Which one of the following is correct in respect of the above statements?

    Options:

    (a) Both A and R are individually true and R is the correct explanation of A *

    (b) Both A and R are individually true but R is not a correct explanation of A

    (c) A is true but R is false

    (d) A is false but R is true

     

  • Primary Amoebic Meningoencephalitis (PAM)

    Why in the News?

    Kerala’s health department has issued an alert in Kozhikode district after three consecutive cases of the rare and highly fatal disease Primary Amoebic Meningoencephalitis (PAM) were reported.

    About Primary Amoebic Meningoencephalitis (PAM):

    • Cause: Rare and usually fatal infection caused by Naegleria fowleri, known as the “brain-eating amoeba.”
    • Habitat: Thrives in warm freshwater up to 46°C (115°F).
    • Entry: Enters through the nose during swimming or water activities, travels via olfactory nerve to the brain.
    • Impact: Destroys brain tissue and causes severe swelling.
    • Transmission: Not communicable from person to person.
    • Symptoms: Headache, fever, nausea, vomiting, stiff neck, confusion, seizures, hallucinations, coma, and death.
    • Progression: According to the Centers for Disease Control and Prevention (CDC), most cases result in death within 1–18 days of symptom onset.

    Diagnosis and Treatment:

    • Diagnosis:
    • Treatment:
      • No single therapy effectively established.
      • Managed per CDC guidelines using drug combinations such as: Medical interventions typically involve a combination of drugs, including amphotericin B, azithromycin, fluconazole, rifampin, miltefosine, and dexamethasone.
    [UPSC 2008] Consider the following statements:

    1. Femur is the longest bone in the human body.

    2. Cholera is a disease caused by bacteria.

    3. ‘Athlete’s foot’ is a disease caused by virus. Which of the statements given above are correct?

    Options: (a) 1 and 2 * (b) 2 and 3 (c) 1 and 3 (d) 1, 2 and 3

     

  • How does plastic pollution affect health?

    Introduction

    Plastic pollution represents one of the gravest environmental crises of our times. Despite decades of regulation and bans, plastics remain ubiquitous, cheap, and nearly indestructible. Talks in Geneva involving 180 countries failed to secure an internationally binding legal agreement to limit plastic pollution, reflecting deep divisions over whether the treaty should target waste alone or include production.

    Global Plastic Treaty Deadlock: Why It Matters

    • Global deadlock: 180 countries failed to agree on a binding treaty on plastic pollution in Geneva, despite a UNEP-backed resolution already in place.
    • First-time sharp focus on health: Unlike earlier discussions centred only on waste management, the health impact of plastics is now central.
    • Scale of problem: Plastics contain more than 16,000 chemicals, with little knowledge on 10,000+ of them. A Nature study showed 4,000 chemicals of concern are present across major plastic types.
    • Striking evidence: Microplastics detected in blood, breast milk, placenta, bone marrow, bringing urgency to the debate.

    The Persistence and Ubiquity of Plastics

    1. Symbol of consumption economy: Cheap and versatile, plastics reflect today’s global consumption.
    2. Persistence and flexibility: Synthetic, fossil-fuel-derived polymers are non-biodegradable and endure for decades.
    3. Waste mismanagement: Cheap production, ubiquity, and limited recycling capacity turn plastics into the prime source of litter.

    Plastics and Human Health: Emerging Evidence

    1. Chemicals of concern: Plastics use ethylene, propylene, styrene derivatives, along with bisphenols, phthalates, PCBs, PBDEs, and PFAS.
    2. Products of exposure: Found in food containers, bottles, teething toys, polyester, IV bags, cosmetics, paints, electronics, adhesives.
    3. Health links: Studies link plastic chemicals to thyroid dysfunction, hypertension, kidney/testicular cancer, gestational diabetes.
    4. Evidence base: Around 1,100 studies, involving 1.1 million individuals, compiled by Boston College & Minderoo Foundation dashboard.
    5. Nature of studies: Mostly associative; longitudinal studies (gold standard) are still underway.

    The Microplastic Menace

    1. Definition: Plastics smaller than 5 mm, found in additives or broken-down products.
    2. Recent discoveries: Detected in human blood, breast milk, placenta, bone marrow.
    3. Health uncertainty: Exact impacts still under study, but linked to multiple disorders.

    Policy Responses: Global and Indian Perspectives

    • Global scene: Negotiations divided on waste vs production; developing countries demand funding support.
    • India’s stance: 
      • Ban on single-use plastics in ~20 States
      • Administrative push for Extended Producer Responsibility (EPR)
      • Views plastics as a waste management issue, not a health issue.
      • Prefers health dimension to be dealt with at WHO, not in the plastics treaty.

    Conclusion

    The Geneva deadlock reflects not just a failure of diplomacy but the widening gap between scientific evidence and policy action. Plastics are no longer an invisible convenience; they are a pervasive health hazard. While India treats plastics as a waste issue, ignoring health risks leaves a blind spot in policy. A robust, binding treaty addressing both production and health impact is indispensable if the world is to prevent plastics from becoming the new tobacco of the 21st century.

    PYQ Relavance

    [UPSC 2023] What is oil pollution? What are its impacts on the marine ecosystem? In what way is oil pollution particularly harmful for a country like India?

    Linkage: Since UPSC has already asked about oil pollution (2023), it shows the exam’s focus on pollution and ecosystem impacts. Plastic pollution, like oil, originates from fossil fuels and has severe effects on marine life and human health. Hence, a direct question on plastic pollution and its health–environment nexus is highly probable.

    Practice Mains Question

    Plastics are no longer merely a waste management problem but a serious health hazard. Critically examine the health risks associated with plastic use and evaluate India’s stance in global plastic treaty negotiations.

    Mapping Microthemes

    • GS-1: Impact of industrialisation and consumerism on environment.
    • GS-2: International negotiations, India’s foreign policy stance in environmental treaties.
    • GS-3: Pollution, waste management, health-environment nexus.
    • GS-4: Ethics of sustainability, intergenerational justice, corporate responsibility.
  • New Palm Species ‘Phoenix roxburghii’ discovered

    Why in the News?

    A palm specie ‘Phoenix roxburghii’ first described in the 17th-century botanical treatise Hortus Malabaricus has been recently confirmed.

    About Phoenix roxburghii:

    • Origin: Named after William Roxburgh, regarded as the father of Indian Botany.
    • Distribution: Found along India’s eastern coast, Bangladesh, Gujarat, Rajasthan, and Pakistan.
    • Height: Grows up to 12–16 metres, taller than Phoenix sylvestris.
    • Distinct Features:
      • Solitary trunk
      • Larger leaves and leaflets
      • Musty-scented staminate flowers
      • Large, obovoid orange-yellow fruits

    Back2Basics: India’s Oil Palm Scenario

    • National Mission on Edible Oils – Oil Palm (NMEO-OP) (2021): Centrally sponsored, aims to boost domestic crude palm oil (CPO) production and reduce import dependence.
    • Targets:
      • Expand area to 10 lakh ha by 2025–26.
      • Raise production from 0.27 lakh tonnes (2019–20) to 11.2 lakh tonnes (2025–26), further to 28 lakh tonnes (2029–30).
    • Support Mechanisms: Viability Price (VP), Direct Benefit Transfer (DBT), planting subsidy (₹29,000/ha), and special aid for NE & Andaman regions.
    • Cultivation States: Andhra Pradesh, Telangana, and Kerala (98% of output); others include Karnataka, Tamil Nadu, Odisha, Gujarat, and NE states.
    • Potential vs Current: 28 lakh ha potential; only 3.7 lakh ha cultivated.
    • Imports: India is the world’s largest palm oil importer (9.2 million tonnes in 2023–24). Palm oil forms 60% of edible oil imports, sourced mainly from Indonesia, Malaysia, and Thailand.
    • Unique Advantage: Palm oil yields are 5× higher than traditional oilseeds.
    [UPSC 2021] With reference to ‘palm oil,’ consider the following statements:

    1. The palm oil tree is native to Southeast Asia.

    2. Palm oil is a raw material for some industries producing lipstick and perfumes.

    3. Palm oil can be used to produce biodiesel.

    Which of the statements given above are correct?

    Options: (a) 1 and 2 only (b) 2 and 3 only* (c) 1 and 3 only (d) 1, 2, and 3

     

  • Scientists turn E. Coli Bacteria into a Bio-Sensor

    Why in the News?

    Researchers from UK and China have developed a bioelectronic device where genetically engineered E. Coli bacteria act as self-powered chemical bio-sensor.

    About Escherichia coli (E. coli) Bacteria:

    • Overview: Gram-negative, rod-shaped bacterium that inhabits the lower intestine of warm-blooded animals.
    • Family: Belongs to the Enterobacteriaceae family.
    • Harmless vs Pathogenic: Most strains are harmless, but some (e.g., E. coli O157:H7) cause severe foodborne illness, diarrhoea, and kidney complications.
    • Gut Role: Contributes to vitamin K synthesis and maintains gut microbiota balance.
    • Transmission: Pathogenic strains spread via contaminated food, water, or direct contact, leading to outbreaks.
    • Diagnostic Importance: Presence in water is a key indicator of faecal contamination.

    Bio-Sensors Generated Using E. coli

    • Innovation: Genetically engineered E. coli used as self-powered chemical biosensors.
    • Mechanism: Detect compounds, process signals, and produce electrical outputs compatible with low-cost electronics.
    • Modules:
      • Sensing Module: Detects target molecules.
      • Processing Module: Amplifies or modifies signals.
      • Output Module: Produces phenazines measurable via electrochemistry.
    • Applications:
      • Detected arabinose (plant sugar) within 2 hours.
      • Detected mercury ions in water at trace levels (below WHO safety limits) within 3 hours.
      • Demonstrated an “AND” logic gate, producing signals only when two molecules were present together.
    • Significance:
      • Cheaper, programmable, and robust alternative to enzyme-based biosensors.
      • Potential in environmental monitoring, water safety, medical diagnostics, and bioelectronics.
    [UPSC 2010] Which bacterial strain, developed from natural isolated by genetic manipulations, can be used for treating oil spills?

    (a) Agrodbacterium

    (b) Clostridium

    (c) Nitrosomonas

    (d) Pseudomonas*

     

  • In news: Gugga Naumi Festival

    Why in the News?

    The Gugga Naumi festival was widely celebrated across northern states of India on 17th August.

    About Gugga Naumi Festival:

    • Festival: Folk religious celebration in Rajasthan, Haryana, Punjab, Jammu & Kashmir, Uttar Pradesh, and northern states.
    • Timing: Observed on the ninth day of Krishna Paksha in Bhadrapad month, usually after Janmashtami.
    • Deity: Dedicated to Gugga (Gugga Pir / Gugga Zahir Pir / Guaaji), a Chauhan Rajput prince believed to control snakes.
    • Tradition: Reflects syncretic worship by Hindus and Muslims, showcasing folk religiosity beyond formal religion.

    Key Features:

    • Duration: Begins on Rakhi and lasts nine days, with pilgrimages to Gugga Medi village in Hanumangarh, Rajasthan.
    • Rituals: Garudas (snake charmers and healers) carry Gugga Pir’s Chahad (standard).
    • Devotion: Pir ke Sole (songs) sung, fairs organised at shrines (Marhis).
    • Depiction: Gugga shown riding a blue horse, with blue and yellow flags.
    • Belief: Worshipped by mothers for children’s health, and by barren women for fertility blessings.
    [UPSC 2018] Consider the following pairs: Tradition State

    1. Chapchar Kut festival — Mizoram

    2. Khongjom Parba ballad — Manipur

    3. Thong-To dance — Sikkim

    Which of the pairs given above is/are correct?

    (a) 1 only (b) 1 and 2* (c) 3 only (d) 2 and 3

     

  • Chalkiness in Rice and the Genetic Breakthrough

    Why in the News?

    Recently, Chinese scientists identified a key gene, Chalk9, that controls chalkiness in rice, offering a breakthrough for crop improvement.

    About Chalk9 Gene in Rice:

    • Overview: Chalk9 is a gene found on chromosome 9 of rice.
    • Function: Encodes the enzyme E3 ubiquitin ligase, which regulates protein degradation.
    • Target Protein: Acts on OsEBP89, a regulator of starch-synthesis genes Wx and SSP.
    • Chalk9-L Variant: Promotes OsEBP89 degradation → prevents excess starch accumulation → results in low chalkiness and translucent grains.
    • Chalk9-H Variant: Fails to degrade OsEBP89 efficiently → leads to starch buildup → high chalkiness and brittle grains.

    Significance:

    • Grain Quality: Chalkiness lowers milling recovery and reduces rice’s commercial value.
    • Genetic Solution: Discovery of Chalk9 offers a direct genetic tool to reduce chalkiness.
    • Breeding Advantage: Rice breeding programs can introduce Chalk9-L to produce premium low-chalk rice.
    • Economic Impact: Improves farmer income and enhances food security.
    • Consumer Preference: Meets demand for better quality, translucent rice varieties.
    [UPSC 2022] Consider the following statements: DNA Barcoding can be a tool to :

    1. assess the age of a plant or animal. 2. distinguish among species that look alike. 3. identify undesirable animal or plant materials in processed foods.

    Which of the statements given above is/are correct?

    Options: (a) 1 only (b) 3 only (c) 1 and 2 (d) 2 and 3*

     

  • MIT Research of Ionic Liquids (ILs)

    Why in the News?

    MIT-led research suggests life may not need liquid water; ionic liquids (salts that stay liquid below 100°C) could support life on rocky super-Earths with volcanic activity and little water.

    About Ionic Liquids (ILs):

    • Overview: Salts in liquid form below 100°C, composed entirely of ions.
    • Properties: Non-volatile, non-flammable, thermally stable, and tunable as hydrophobic or hydrophilic.
    • Structure: Unlike water (neutral molecules), ILs consist of ions and ion pairs.
    • Electrochemical Use: Excellent electrolytes with broad electrochemical windows.
    • Applications: Used in synthesis, catalysis, electrochemistry, extraction, biotechnology, and as green alternatives to volatile solvents.

    Breakthrough Findings of MIT Study:

    • Life Without Water: Experiments showed life could potentially survive using ILs as solvents instead of water.
    • Natural Formation: Sulfuric acid mixed with nitrogen compounds can naturally form ILs.
    • Exoplanet Link: Such ILs may exist on rocky super-Earths with volcanic activity and thin atmospheres.
    • Venus Research Origin: Discovery emerged from studying Venus, where sulfuric acid clouds interact with organic molecules to form ILs.
    • Biological Relevance: ILs can provide stable environments for biomolecules, supporting metabolism.

    Significance of the Study:

    • Habitability Expansion: Broadens habitability definition beyond water-based models.
    • Biosignatures: Suggests new chemical markers for exoplanet life detection.
    • Venus Missions: Strengthens rationale for Venus’s exploration targeting IL-based chemistry.
    • Wider Habitable Zones: Implies more planets could host life than previously thought.
    [UPSC 2015] The term ‘Goldilocks Zone’ is often seen in the news in the context of:

    (a) the limits of habitable zone above the surface of the Earth

    (b) regions inside the Earth where shale gas is available

    (c) search for the Earth-like planets in outer space*

    (d) search for meteorites containing precious metals

     

  • Supreme Court interventions in Civil–Criminal overlap Cases

    Why in the News?

    In August 2025, the Supreme Court intervened twice to prevent the misuse of criminal proceedings in essentially civil disputes.

    About Civil and Criminal Cases:

    • Civil cases involve disputes between individuals or organisations and are mostly governed by Code of Civil Procedure, 1908 (CPC). The aim is to resolve rights and duties, usually through compensation (damages) or injunctions. Examples: property disputes, contract breaches, divorce, custody, money recovery.
    • Criminal cases involve offences against the state or society. The objective is punishment and deterrence. Initiated by the state prosecutor. Examples: theft, cheating, assault, murder.
    • Burden of proof:
      • Civil cases: Decided on a preponderance of probabilities (more likely than not).
      • Criminal cases: Guilt must be proven beyond reasonable doubt.
    • Dual Cases: Some acts can give rise to both civil and criminal liability. For dual proceedings, there must be proof of criminal intent before entering the commercial or personal relationship.
    • Timelines: Data from the National Judicial Data Grid (2025) shows civil cases are slower (avg. 4.91 years) compared to many criminal cases (70% disposed within a year).

    Recent Supreme Court Actions:

    • Rajasthan plywood dispute case (Aug 13, 2025): SC held there was no criminal breach of trust in a simple sale transaction. Denial of pre-arrest bail by the High Court was overturned.
    • Allahabad HC case (Aug 4, 2025): SC criticised a judge for allowing criminal proceedings in a business transaction dispute, calling it a “mockery of justice”. The judge was temporarily barred from handling criminal cases, later reinstated after CJI intervention.
      • The SC clarified that civil disputes cannot be turned into criminal prosecutions unless fraud or criminal intent is clearly shown.
    [UPSC 2016] With reference to the ‘Gram Nyayalaya Act’, which of the following statements is/are correct?

    1. As per the Act, Gram Nyayalayas can hear only civil cases and not criminal cases.

    2. The Act allows local social activists as mediators/reconciliators.

    Options: (a) 1 only (b) 2 only* (c) Both 1 and 2 (d) Neither 1 nor 2