PYQ Relevance:
[UPSC 2016] Increasing cross-border terrorist attacks in India and growing interference in the internal affairs of several member-states by Pakistan are not conducive for the future of SAARC (South Asian Association for Regional Cooperation). Explain with suitable examples.
Linkage: Pakistan is “continually finding ways and means every few years to provoke a conflict” and seeks to “bleed India by a thousand cuts”. These actions are often manifested as cross-border attacks and interference, making this question highly relevant to the conflict dynamic described in the article. This question directly addresses “cross-border terrorist attacks in India” and “interference in the internal affairs… by Pakistan”. |
Mentor’s Comment: India’s recent clash with Pakistan highlights a troubling and ongoing pattern — Pakistan’s military-led and radicalised government keeps trying to destabilise India. Even though India has a clear advantage in technology and strategy, the risk of future conflict remains high. This is due to Pakistan’s lowering nuclear threshold, rising religious nationalism, and growing ties with powerful allies. The clash also showed how modern warfare now relies heavily on technology like drones, radar, and advanced missiles. It exposed India’s weak spots, especially in space-based defence — a major concern if India faces a two-front war with both China and Pakistan.
Today’s editorial will talk about the ongoing pattern — Pakistan’s military-led and radicalised government keeps trying to destabilise India. This content would help in GS Paper II ( IR) and GS Paper III (Defence).
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Let’s learn!
Why in the News?
The recent conflict shows that Pakistan’s military-led leadership keeps trying to find ways to disrupt or hold back India’s progress.
What drives Pakistan to provoke India repeatedly?
- Military Mindset Seeking to Undermine India’s Progress: Pakistan’s military-dominated leadership aims to weaken India continuously despite past defeats, pursuing a strategy to “bleed India by a thousand cuts.” Eg: Recurrent cross-border skirmishes and proxy insurgencies in Kashmir.
- Ideological and Religious Nationalism: Pakistan’s identity is deeply rooted in religious nationalism, seeing India’s secular democracy as its ideological enemy. Kashmir is viewed as a “jugular vein” essential to Pakistan’s national ambition. Eg: Statements by Pakistan’s army chief emphasizing Pakistan as a religious state based on the ‘Kalima’.
- Political Instability and Military Control: The military controls Pakistan’s politics, using conflict with India to legitimize its authority and distract from internal issues. Eg: Military interference in elections and sidelining of civilian leaders like Imran Khan.
Why is Pakistan’s military leadership crucial to regional peace?
- Military Dominance Over Political Power: Pakistan’s military controls key decisions, often overriding civilian government, making it the primary actor in India-Pakistan relations. Eg: The military’s role in disqualifying Imran Khan from elections and influencing the civilian leadership.
- Driver of Conflict and Peace Prospects: The military’s stance determines whether Pakistan pursues conflict or peace with India, as it often promotes hostility to maintain its influence. Eg: Recent provocations and cross-border attacks orchestrated under military leadership despite diplomatic efforts.
- Influence on Regional Stability: As a nuclear-armed force, the military’s policies significantly impact regional security and peace, especially given Pakistan’s alliance with China and involvement in proxy wars. Eg: Pakistan’s military endorsement of religious nationalism and hardline Kashmir policies increases tensions in South Asia.
How did the conflict show the role of drones and tech in warfare?
- Rise of Drone Warfare: The conflict highlighted the increased use of drones for reconnaissance and strikes, making warfare more precise and cost-effective. Eg: Pakistan deployed Turkish Songer drones, while India used Kamikaze drones for targeted responses.
- Airborne Systems & Escalation Dominance: Advanced airborne early warning systems and electronic warfare tools played a key role in gaining escalation dominance quickly. Eg: India’s use of Rafale jets supported by multi-layered air defence systems like Aakash, S-400, and Barak ensured superior aerial control.
- Integration of Tech in Modern Combat: The conflict revealed the importance of system integration, electronic countermeasures, and kill chain efficiency in tech-driven warfare. Eg: Speculation on whether a Chinese J-10C could use Pakistani radar guidance underscored interest in interoperability and tech collaboration in proxy conflicts.
Who controls Pakistan’s key decisions today?
- Pakistan’s military, specifically the Chief of Army Staff (now Field Marshal) Asim Munir, controls the country. The civilian government, led by Shehbaz Sharif, is a puppet government subordinate to the military.
- The military interferes with elections, denies political rights (e.g., to Imran Khan), and shapes Pakistan’s strategic outlook.
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Where are the gaps in India’s defence readiness?
- Lack of Space-Based Surveillance: India lacks a dedicated satellite system for real-time surveillance, early warning, and secure communication, which is critical for modern warfare. Eg: India must improve its satellite-based reconnaissance to prepare for a two-front warscenario involving Pakistan and China.
- Limited Preparedness for Two-Front War: While India’s strength is sufficient against Pakistan alone, a simultaneous conflict with China would strain resources and expose strategic vulnerabilities. Eg: The need to balance the combined capabilities of both adversaries highlights the absence of a cohesive dual-front strategy.
Way forward:
- Boost Indigenous Space and Surveillance Capabilities: India must rapidly invest in and deploy a dedicated constellation of military satellites for real-time reconnaissance, early warning, and secure communication to ensure situational awareness across borders. Eg: Collaboration between ISRO, DRDO, and private players can fast-track satellite-based surveillance systemsto monitor threats from both Pakistan and China.
- Formulate a Coherent Two-Front War Doctrine: India should develop a comprehensive dual-front military strategy, including integrated theatre commands, logistics readiness, and joint force training, to ensure faster, coordinated responses. Eg: Establishing Integrated Battle Groups (IBGs) and enhancing border infrastructure can increase India’s mobility and readiness for high-intensity, multi-front warfare.
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Why in the News?
India’s industrial output grew by only 2.7% in April 2025, the slowest pace in 8 months, showing a clear slowdown at the start of the new financial year (FY26).
What are the key reasons behind the slowdown in India’s factory output and IIP growth in April 2026?
- Weak Performance of Core Sectors: The eight core industries, which have a 40% weight in the IIP, grew by just 0.5% in April 2026, the lowest in eight months. Eg: Refinery products, steel, and cement showed subdued output, dragging overall industrial growth.
- Contraction in Mining Activity: Mining output shrank by 0.2%, marking its first contraction since August 2024, adversely affecting raw material availability for other industries. Eg: Reduced coal and mineral extraction hit electricity generation and steel production.
- Slowdown in Manufacturing and Electricity Generation: Manufacturing grew only by 3.4% (down from 4.2%) and power generation by 1.1% (down from 10.2%). Eg: Weak electricity demand and reduced industrial usage reflected sluggish overall economic activity.
- Trade and Tariff-Related Uncertainties: Global trade volatility, tariffs, and supply chain disruptions have reduced demand for export-oriented goods. Eg: Decline in orders from U.S. and EU markets affected electronics and textile manufacturing.
- Persistently Low Rural Demand: Consumer non-durables contracted for the third consecutive month, indicating weak rural consumption despite low inflation. Eg: Low sales of food and hygiene products in rural markets signal demand compression in the FMCG sector.
Why is the contraction in consumer non-durables output a concern for rural consumption trends?
- Indicates Weak Rural Demand: Consumer non-durables, such as food and hygiene products, form a major part of rural consumption. A contraction suggests low purchasing power and reduced rural spending. Eg: Declining sales of items like cooking oil, soap, and packaged food in rural areas reflect demand stagnation.
- Signals Broader Economic Distress in Agriculture-Dependent Households: Despite low inflation, rural incomes haven’t risen due to falling crop prices and below-MSP realizations. This affects demand for basic goods. Eg: Farmers selling wheat and pulses below MSP in mandis earn less, reducing their ability to buy essential goods.
- Affects Industrial and FMCG Sector Recovery: Sustained low rural consumption weakens demand for consumer non-durables, impacting production and profits in the FMCG and small-scale industries. Eg: Companies like Hindustan Unilever or Dabur see lower rural sales, leading to reduced factory output and job cuts.
How can implementing MSPs more systematically help boost rural incomes and demand?
- Ensures Price Stability and Income Security for Farmers: A guaranteed MSP reduces the risk of distress sales and provides a stable income floor for farmers, encouraging spending. Eg: If paddy is procured at the MSP instead of below-market rates, farmers are assured of fair returns, enabling them to spend on consumption and inputs.
- Enhances Rural Purchasing Power and Consumption Demand: Higher farm incomes lead to greater spending on goods and services, especially consumer non-durables, which form a bulk of rural consumption. Eg: A farmer earning better returns on wheat is more likely to purchase goods like clothing, packaged food, and household items.
- Stimulates Local Economies and Industrial Output: With higher rural demand, local businesses and FMCG industries see increased sales, encouraging higher production and employment. Eg: Higher MSP-based procurement leads to better incomes in Punjab, increasing demand for tractors, fertilizers, and daily-use goods, boosting factory output.
Who should drive capital expenditure to revive demand?
- Private Sector as the Primary Driver: The private sector must lead CapEx to create productive assets, jobs, and income, especially in manufacturing and infrastructure. Eg: Large firms investing in semiconductor plants or logistics hubs generate employment and boost demand for allied sectors.
- Government as a Catalyst through Public Investment: The government should maintain strong capital spending on infrastructure, rural development, and connectivity to crowd in private investment. Eg: Projects like Bharatmala or PM Gati Shakti improve transport networks, encouraging private factories and warehousing units to set up nearby.
- Public-Private Partnerships (PPPs) to Leverage Resources and Efficiency: PPPs can combine government support with private expertise and funding, especially in sectors like renewable energy, urban transport, and health. Eg: Hybrid Annuity Model (HAM) in road construction allows private players to build highways with shared investment risk, boosting economic activity.
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Way forward:
- Boost Rural Demand through Targeted MSP Implementation and Welfare Schemes: Ensure systematic MSP procurement and expand rural employment and income support to revive consumption of consumer non-durables and support FMCG growth.
- Accelerate CapEx through Private Investment and Strategic Public Spending: Encourage private sector-led capital expenditure in manufacturing and infrastructure, complemented by government investments in connectivity and logistics to stimulate industrial output and job creation.
Mains PYQ:
[UPSC 2016] The nature of economic growth in India in recent times is often described as a jobless growth. Do you agree with this view? Give arguments in favour of your answer.
Linkage: The concept of “jobless growth” is highly relevant in a scenario where economic expansion, or lack thereof, is debated in relation to employment generation. A slowdown in industrial output could exacerbate concerns about job creation.
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Why in the News?
A huge 600-million-year-old group of stromatolites was found in Chambaghat, Himachal Pradesh, sparking new interest in India’s ancient rocks and the early history of life on Earth.
What are stromatolites?
Stromatolites are layered, reef-like structures formed by ancient blue-green algae called cyanobacteria. These tiny microbes trapped and bound sediments in shallow seas, creating mineral mounds over millions of years. They are some of the oldest evidence of life on Earth. |
How do they contribute to understanding Earth’s early history?
- Earliest Evidence of Life: Stromatolites, built by cyanobacteria over 3.5 billion years ago, are among the oldest records of life on Earth. Eg: Stromatolites in Australia date back to 3.6 billion years, showing microbial activity long before complex life existed.
- Oxygen Production and Atmospheric Change: Cyanobacteria in stromatolites performed photosynthesis, releasing oxygen and leading to the Great Oxidation Event(~2.4 billion years ago). Eg: This oxygenation made the atmosphere suitable for the evolution of multicellular organisms.
- Tectonic and Environmental Insights: Their presence in now-mountainous regions like Chambaghat in Himachal Pradesh, originally shallow seas, reveals tectonic shifts and lost oceans. Eg: The Chambaghat stromatolites formed in the Tethys Sea, later uplifted to the Himalayas by the collision of the Indian and Eurasian plates.
Where was the recent significant stromatolite outcrop discovered?
A large outcrop was discovered in Chambaghat, Solan district, Himachal Pradesh. It is located in the pine-clad ridges at around 5,000–6,000 feet above sea level. It belongs to the Krol Group, sedimentary rocks formed in the ancient Tethys Sea.
Why is it unique?
- Large and Well-Preserved Outcrop: The Chambaghat site features an extensive hill covered with stromatolites, not just a few isolated samples. Eg: Unlike other Indian sites where stromatolites are scattered or small, Chambaghat has a whole hill full of these structures, making it exceptional in scale and preservation.
- Relatively Young Stromatolites in a High-Altitude Location: These stromatolites date back about 600 million years and are found at an altitude of 5,000–6,000 feet above sea level. Eg: Their presence so high in the Himalayas tells a story of tectonic uplift, where ancient shallow marine depositswere pushed up from the Tethys Sea due to India’s collision with Eurasia.
- Accessible and Visible Geological Heritage: The site is easily accessible and visible to researchers, locals, and tourists, making it a prime candidate for preservationand education. Eg: Many stromatolite sites in India are obscure or hard to reach, but Chambaghat offers a natural exhibit that could help raise public awareness about Earth’s early history.
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Why is there scientific disagreement about the importance of the Chambaghat stromatolites?
- Not True Fossils but Biosedimentary Structures: Some scientists argue that stromatolites are organo-sedimentary structures, formed by trapped sediments and calcium carbonate, rather than preserved fossils of organisms. Eg: fossils are inaccurate because the original organisms are not preserved, only the structures formed by cyanobacteria.
- Common and Widespread Geological Features: Stromatolites are found all over India and globally, so some experts feel the Chambaghat stromatolites are not a rare or unique discovery. Eg: The oldest stromatolites in India, like those in Dharwad, Karnataka (2,500 million years old), and worldwide (3.6 billion years old in Australia) are much older and more significant.
- Not the Oldest or Most Unique Evidence of Life: While Chambaghat stromatolites are impressive, they are relatively young compared to other sites and not the earliest proof of life. Eg: Dr Arun Deep Ahluwalia notes that stromatolites in the Krol Belt are the youngest stromatolites, making them less important for studying the very earliest life forms.
What is the significance of preserving stromatolite sites like Chambaghat?
- Educational and Scientific Value: Preserving stromatolite sites helps in studying Earth’s early life and geological history, providing valuable insights into how oxygenation of the atmosphere led to complex life. Eg: Chambaghat’s stromatolites can be used as an exhibit for students and researchers to understand the origin of life and ancient marine environments.
- Cultural and Geoheritage Importance: Protecting these sites promotes public awareness and tourism, fostering a sense of pride and responsibility towards India’s unique geological heritage. Eg: Creating a Geoheritage Park at Chambaghat can engage locals, tourists, and schools, preserving the site while boosting local economy and education.
Way forward:
- Formal Protection and Geoheritage Park Development: Declare Chambaghat stromatolite site a protected geological monument and develop it into a Geoheritage Park to ensure conservation, promote scientific research, and boost geo-tourism.
- Public Awareness and Educational Outreach: Launch educational programs and community engagement initiatives involving schools, researchers, and local stakeholders to increase awareness about the site’s scientific and cultural significance.
Mains PYQ:
[UPSC 2021] What is Cryptocurrency? How does it affect global society? Has it been affecting Indian society also?
Linkage: The growing importance of cryptocurrency, its disruptive potential in global finance, and its implications for India, specifically mentioning India’s significant number of crypto users. This PYQ demonstrates the UPSC’s interest in the fundamental understanding and societal effects of this technology.
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Why in the News?
Prime Minister paid tributes to Lokmata Ahilyabai Holkar on her 300th birth anniversary.
About Ahilyabai Holkar:
- Early Life: Born on May 31, 1725, in Chondi village, (in erstwhile Ahilyanagar District) Maharashtra, Ahilyabai belonged to the Shephard community. Her father, a village head, taught her to read and write—rare for girls then.
- Marriage and Loss: Married to Khande Rao Holkar in 1733, she was widowed in 1754. Her father-in-law, Malhar Rao Holkar, saw her potential and stopped her from committing sati.
- Rise to power: After the deaths of her husband, father-in-law, and son, she became ruler of Malwa in 1765 with support from the Peshwa and her army.
- Capital and Leadership: She moved the capital to Maheshwar, making it a centre of culture, governance, and trade.
- Military and Administration: Ahilyabai personally led armies and appointed Tukoji Rao Holkar as military commander. She promoted justice, welfare, and agricultural growth.
Legacy and Contributions:
- Temple Restoration: Rebuilt presend-day Kashi Vishwanath Temple in 1780 and renovated shrines across India, including in Somnath, Haridwar, Pushkar, and Rameswaram.
- Pilgrim Support: Built rest houses, pilgrim shelters, and ghats to support religious travellers.
- Maheshwari Sari and Weavers: Promoted the handloom industry, empowering local weavers and women economically.
- Social Reforms: Protected widows’ rights, supported tribal communities, and ran a secular and inclusive administration.
- Cultural Patronage: Her court welcomed poets and scholars, including Moropant and Khushali Ram, making Maheshwar an intellectual hub.
- Peaceful Rule: Her 30-year reign was free from war, making Malwa a rare place of peace and prosperity in a chaotic era.
- Recognition: Jawaharlal Nehru called her an able ruler; British historian John Keay called her “The Philosopher Queen”.
- Ongoing Honour: A proposal exists to rename Ahmednagar in Maharashtra as Punyashlok Ahilyadevi Nagar in her memory.
| [UPSC 2009] With reference to Stree Shakti Puraskar, for which of the following is ‘Devi Ahilya Bai Holkar Award’ given?
Options: (a) Administrative skills (b) Achievements in Scientific Research (c) Achievements in Sports and Games (d) Courage and valour* |
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Why in the News?
Scientists at Jawaharlal Nehru Centre for Advanced Scientific Research (JNCASR), Bengaluru have developed a super-fast charging Sodium-ion battery.
About Sodium-Ion Battery and Its Working:
- What it is: Sodium-ion batteries are rechargeable batteries that use sodium (Na⁺) ions to carry electric charge, instead of lithium.
- How it works: During charging and discharging, sodium ions move between the anode (negative) and cathode (positive) — similar to how lithium-ion batteries function.
- Innovation: A sodium-ion battery developed by JNCASR uses NASICON-type chemistry, a special material structure that ensures fast ion movement and stability.
- Performance Boost: The team used nano-particles, added a carbon coating, and used aluminium doping to improve charging speed and battery life.
- Fast Charging & Long Life: The battery can charge up to 80% in 6 minutes and last over 3,000 charge-discharge cycles.
- Tested for Safety: The battery passed tests using electrochemical cycling and quantum simulations, proving it is safe and durable.
Advantages over Lithium-Ion Batteries:
- Sodium is abundant and cheaper than lithium, and it can be extracted from seawater.
- Sodium-ion batteries are safer, as they can be transported at zero voltage and used in high temperatures without risk of fire.
- They are more eco-friendly, with less environmental damage during extraction compared to lithium.
- Material costs are lower because they use aluminium instead of copper.
- India can reduce its dependence on China, which controls much of the lithium battery supply chain.
- These batteries are ideal for renewable energy applications, such as solar grids, electric vehicles, drones, and rural electrification in extreme climates.
| [UPSC 2025] In the context of electric vehicles, consider the following elements:
I. Cobalt II. Graphite III. Lithium IV. Nickel
How many of the above usually make up battery cathodes?
(a) Only one (b) Only two (c) Only three * (d) All the four |
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Why in the News?
The Minister of State for Commerce and Industry inaugurated the new unified headquarters of the Quality Council of India (QCI) at the World Trade Centre in New Delhi.
About Quality Council of India (QCI):
- Establishment: QCI was set up in 1997 as an autonomous, non-profit body through a public-private partnership between the GoI and industry associations ASSOCHAM, CII, and FICCI.
- Legal Status: It is registered under the Societies Registration Act, 1860.
- Leadership: Ratan Tata was QCI’s first Chairman; the current chairman is appointed by Prime Minister.
- Parent Department: QCI works under the Department for Promotion of Industry and Internal Trade (DPIIT), Ministry of Commerce and Industry.
- Role: Acts as India’s national accreditation body, offering independent assessments of products, services, and processes.
- Mission: To improve quality standards in key areas like education, healthcare, environment, governance, and infrastructure.
- Financial Model: It is a self-sustaining organisation, generating its own revenue without regular government funding.
Structure, Divisions, and Key Functions:
- Governing Council: A 38-member council with equal representation from government, industry, and stakeholders oversees QCI.
- Key Divisions: QCI operates through 5 major boards, each focusing on a different sector:
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- National Accreditation Board for Testing and Calibration Laboratories
- National Accreditation Board for Hospitals and Healthcare Providers
- National Accreditation Board for Education and Training
- National Accreditation Board for Certification Bodies
- National Board for Quality Promotion
- Core Activities:
- Develops accreditation systems and quality frameworks.
- Conducts third-party audits for schemes like Swachh Bharat Abhiyan and Pradhan Mantri Kaushal Vikas Yojana.
- Runs the National Quality Campaign to build a culture of quality across sectors.
- Helps boost India’s global competitiveness through quality certification and awareness initiatives.
| [UPSC 2017] With reference to Quality Council of India (QCI), consider the following statements:
1. QCI was set up jointly by the Government of India and the Indian Industry.
2. Chairman of QCI is appointed by the Prime Minister on the recommendations of the industry to the Government.
Which of the above statements is/are correct?
Options: (a) 1 only (b) 2 only (c) Both 1 and 2* (d) Neither 1 nor 2 |
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Why in the News?
The 17th edition of the India–Mongolia Joint Military Exercise NOMADIC ELEPHANT is being held in Ulaanbaatar, Mongolia from May 31 to June 13, 2025.
About Exercise NOMADIC ELEPHANT:
- About: It is a bilateral military exercise between the Indian Army and the Mongolian Armed Forces.
- Launch Year: It was first conducted in 2004 in Mongolia, followed by the second edition in 2005 in Vairengte, Mizoram.
- Frequency and Hosting: The exercise is held annually, with India and Mongolia alternating as hosts.
- Recent Editions: The 15th edition was conducted in Ulaanbaatar in July 2023, and the 16th edition was held at Umroi, Meghalaya in July 2024.
Objectives and Focus:
- Interoperability: The main goal is to improve joint operational coordination between the two-armed forces.
- Terrain Focus: It trains troops for task force operations in semi-urban and mountainous regions under a UN peacekeeping mandate.
- Counter-Terrorism Training: The exercise enhances capabilities in counter-terrorism and counter-insurgency operations.
- Regional Cooperation: It helps build mutual trust, encourages regional peace, and supports strategic cooperation.
| [UPSC 2008] ‘Hand-in-Hand 2007’, a joint anti-terrorism military training was held by the officers of the Indian Army and officers of the Army of which one of the following countries?
Options: (a) China (b) Japan (c) Russia (d) USA* |
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Why in the News?
The Ministry of Statistics and Programme Implementation (MoSPI) released two important data sets on May 30, 2025 — one for India’s GDP growth in Q4 (January–March) FY25, and another for the provisional estimates for the entire FY25 (2024–25).
How is Economic Growth measured?
- Gross Domestic Product (GDP) measures economic growth by adding all expenditures in the economy — including private, government, and business spending. It shows demand-side performance.
- Gross Value Added (GVA) measures the supply-side. It calculates how much value is added by each sector of the economy.
- GDP and GVA are related:
GDP = GVA + (Taxes) – (Subsidies)
- MoSPI reports both in:
- Nominal terms: Includes current prices.
- Real terms: Adjusted for inflation to reflect true growth.
Why are these Estimates called “Provisional”?
- GDP estimates are revised in stages:
- January: First Advance Estimates (FAE)
- February: Second Advance Estimates (SAE)
- May: Provisional Estimates (PE)
- Final figures come later:
- First Revised Estimate: After 1 year
- Final Estimate: After 2 years
- FY25’s final numbers will come in 2026 and 2027.
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Key Takeaways from FY25 Data
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- India’s economy is now worth ₹330.7 lakh crore or $3.87 trillion.
- GDP grew by 9.8%, which is slower than in previous years.
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- After removing inflation, real GDP grew by 6.5%.
- This is slower than the 9.2% growth seen last year (as mentioned in the Provisional Estimates). (Disputed: India’s real GDP growth rate was 8.2% in FY 2023-24 as per Economic Survey.)
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- Agriculture grew well at 4.6%.
- Manufacturing grew only 4.5%, which is a concern.
- Construction was strong with 9.4% growth.
- Services grew by 7.2%.
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- Manufacturing is growing slower than agriculture.
- This is affecting urban jobs, especially for youth.
- Best Growth in Jan–Mar 2025 (Q4):
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- GDP growth was 7.4% in Q4 — the highest for the year.
- Construction grew fastest at 10.8%.
- Agriculture and Services also did well.
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- People spent more — household spending rose 7.2%.
- Investment in assets grew 7.1%, slower than last year.
| [UPSC 2015] With reference to Indian economy, consider the following statements:
(1) The rate of growth of Real Gross Domestic product has steadily increased in the last decade. (2) The Gross Domestic product at market prices (in rupees) has steadily increased in the last decade.
Which of the statements given above is/are correct?
Options: (a) 1 only (b) 2 only* (c) Both 1 and 2 (d) Neither 1 nor 2 |
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PYQ Relevance:
[UPSC 2020] National Education Policy 2020 is in conformity with the Sustainable Development Goal-4 (2030). It intends to restructure and reorient education system in India. Critically examine the statement.
Linkage: A key focus of the NEP 2020 is the strengthening and formalization of Early Childhood Care and Education (ECCE), recognizing its foundational importance. Therefore, critically examining the NEP 2020 directly relates to the concept of “rewriting the script” for education, including ECE. |
Mentor’s Comment: Lack of proper early childhood care and education (ECE) increases inequality, affecting children’s brain development, learning ability, and future income. Nobel Prize winner James Heckman’s research shows that investing in young children gives the best returns. This highlights the need for urgent systemic changes. Some states like Uttar Pradesh, Odisha, and Madhya Pradesh are already making progress with innovative ECE programmes. These small but focused steps in early childhood can help break the cycle of poverty and help India fully benefit from its young population by 2047.
Today’s editorial will talk about the early childhood care and education (ECE) . This content would help in GS Paper II ( Policy Making & Education).
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Let’s learn!
Why in the News?
India’s silent but urgent employment crisis is rooted not just in the lack of jobs, but in the lottery of birth that disadvantages millions of children from the outset. So, smart spending on early childhood education and involving parents will support young children in learning better.
What is the lottery of birth?
- The “lottery of birth” refers to the idea that a child’s future is largely shaped by the circumstances into which they are born, such as: Family income, Geographic location, Caste, gender, or religion, Access to health, nutrition, and education.
- These are factors beyond the child’s control but can determine their opportunities, development, and life outcomes.
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What is the significance of the “lottery of birth” in shaping a child’s future in India?
- Determines Access to Basic Needs Early On: A child born into poverty often lacks access to adequate nutrition, healthcare, and early learning, which are essential for cognitive and physical development. Eg: A child born in a rural poor household may suffer from malnutrition and poor school readiness, limiting long-term potential.
- Creates Early Learning and Earning Gaps: By age 5, differences in language, numeracy, and motivation are already visible, making it harder for disadvantaged children to catch up in school and later in life. Eg: Only 15% of pre-primary children could match basic objects, and 30% could identify larger and smaller numbers, indicating early learning gaps.
- Perpetuates Intergenerational Poverty: Children born into poverty often remain trapped in low-opportunity environments, repeating the cycle into adulthood due to limited human capital development. Eg: Without quality early education, a poor child is far less likely to complete schooling or access skilled employment, thus continuing the poverty cycle.
Why is early childhood care and education (ECE) considered a high-return investment?
- Highest Returns on Human Capital Investments: The Heckman Curve shows that investments in ECE yield the greatest returns compared to later stages of education or training. Eg: For every $1 spent on ECE, the return ranges between $7 to $12, through better education, health, and reduced crime.
- Long-Term Economic and Social Benefits: Quality ECE leads to higher lifetime earnings, better employment, and improved life outcomes, helping individuals and economies thrive. Eg: Children with access to quality ECE are 4 times more likely to earn higher incomes and 3 times more likely to own a home as adults.
- Bridges Early Learning Gaps and Boosts School Readiness: ECE helps close learning gaps caused by poverty, ensuring children enter school prepared, reducing dropouts and remedial education costs. Eg: States like Odisha are launching Shishu Vatikas to prepare 5–6-year-olds for formal schooling, improving readiness and future learning outcomes.
Who are the key stakeholders responsible for improving ECE outcomes in India?
- Anganwadi workers and government pre-primary school teachers are frontline educators.
- State governments are responsible for hiring dedicated ECE teachers and creating infrastructure.
- Parents and caregivers play a crucial role in reinforcing learning at home.
- Supervisors and training institutions ensure quality and pedagogy through monitoring and capacity building.
- The Government of India provides funding and policy direction, though current spending is limited (₹1,263 per child annually).
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Where are Indian states like Uttar Pradesh and Odisha making notable ECE interventions?
- Uttar Pradesh: Hiring of ECE Educators and Teacher Training: Uttar Pradesh is recruiting nearly 11,000 Early Childhood Care and Education (ECE) educators for Balavatikas across districts. The state also held a six-day residential training for 50 master trainers from 13 districts to improve ECE pedagogy. Eg: These trained master trainers will cascade the training to other educators, ensuring quality instruction in early years.
- Odisha: Launch of Shishu Vatikas and Jaduipedi Kits: Odisha is setting up Shishu Vatikas in all government schools to prepare children aged 5–6 for formal schooling. The state also introduced Jaduipedi Kits — play-based learning materials to enhance school readiness. Eg: These initiatives are aligned with NEP 2020 and help improve early learning outcomes through structured activities.
How can parental involvement improve the effectiveness of early learning initiatives?
- Strengthens Learning Continuity at Home: When parents engage in their child’s early education, it reinforces what is taught at ECE centres, ensuring consistent learning both at home and school. Eg: Providing simple worksheets or storybooks for home use helps children practice and retain concepts better.
- Improves Child Motivation and Confidence: Active parental involvement boosts a child’s sense of security, motivation, and self-esteem, making them more eager to learn. Eg: In Madhya Pradesh, programmes like Bal Choupal involve parents in play-based activities, which positively impact children’s classroom participation.
- Bridges Knowledge Gaps through Technology: Digital tools like WhatsApp groups or EdTech apps help parents access learning tips, track progress, and support their child’s development, especially where formal education resources are limited. Eg: Parents receiving weekly learning activities via smartphones are better equipped to support foundational skills like language and numeracy.
What are the steps taken by the Indian government?
- Integration of ECE in National Education Policy (NEP) 2020: The NEP 2020 recognizes early childhood education as a critical foundation and proposes a new 5+3+3+4 curriculum structure, where the first five years focus on foundational learning (ages 3–8). Eg: Introduction of the “Foundational Literacy and Numeracy” mission (NIPUN Bharat) to ensure basic learning outcomes by Grade 3.
- Expansion and Strengthening of Anganwadi Centres: The government has focused on upgrading 14 lakh Anganwadi centres across India to serve as key delivery points for ECE, nutrition, and health services. Eg: POSHAN Abhiyaan supports capacity-building of Anganwadi workers and provides teaching-learning material to improve preschool education quality.
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Way forward:
- Increase Investment and Improve Infrastructure in ECE: The government should significantly raise funding per child for early childhood education to ensure adequate instructional time, trained teachers, and quality learning materials. Strengthening infrastructure, including more Anganwadi centres and pre-primary schools with dedicated educators, will help bridge existing gaps and improve learning outcomes.
- Enhance Parental Engagement and Community Participation: Empower parents with awareness, guidance, and digital tools to participate in their children’s early learning. Community-based programs like Bal Choupal should be expanded nationwide, and EdTech solutions leveraged to provide continuous support, creating a strong home-school learning ecosystem.
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Why in the News?
The container ship MSC Elsa 3 sank off the coast of Kochi on May 24, triggering a major environmental and maritime safety crisis that could turn into one of India’s worst maritime pollution disasters.
What led to the sinking of MSC Elsa 3?
- Operational Failure at Sea: On May 24, MSC Elsa 3 began tilting off the coast of Kochi due to an unspecified operational problem. Despite attempts by the crew, the ship could not be stabilised.
- Aging Vessel and Abandonment by Crew: Although structurally considered safe, the ship was nearly 30 years old. The crew abandoned it after unsuccessful efforts to right it, leading to its eventual sinking.
- Unfavourable Sea Conditions: Monsoon-related rough weather worsened the situation, with containers dislodging and floating, further destabilising the vessel before it sank to a depth of 50 metres.
Why are the sunken containers considered hazardous?
- Reactive Chemicals: Some containers hold substances that react dangerously with water, posing immediate chemical and fire hazards. Eg: 12 containers had calcium carbide, which reacts with seawater to produce acetylene gas, a highly flammable and explosive compound.
- Toxic Leakage: Leaked substances from damaged containers can pollute seawater and pose health hazards to marine life and humans. Eg: A container with rubber solution leaked and reacted with seawater, leading to the appearance of plastic pellets along the Kerala coast.
- Long-Term Environmental Impact: Chemicals from sunken containers can gradually seep out, causing persistent marine pollution and ecological damage. Eg: If not retrieved, chemicals from these containers may enter the food chain, harming marine biodiversity and impacting fisheries.
Who handles oil spill response in India?
The Indian Coast Guard is the nodal agency under the National Oil Spill Disaster Contingency Plan (NOS-DCP). |
How does this incident test India’s maritime disaster readiness?
- Inter-agency Coordination: Effective disaster response requires smooth coordination between multiple agencies such as the Coast Guard, pollution control boards, and port authorities. Eg: In the 2017 Chennai oil spill, response was delayed due to confusion and poor coordination, leading to severe coastal damage.
- Emergency Response Infrastructure: The ability to quickly deploy salvage teams, pollution control equipment, and monitoring systems is essential. Eg: After MSC Elsa 3 sank, authorities had time to prepare, making it a critical test of India’s readiness to act swiftlybefore oil or chemicals leak.
- Policy Implementation and Preparedness: Real-time implementation of national plans and compliance with international protocols demonstrate operational strength. Eg: The National Oil Spill Disaster Contingency Plan (NOS-DCP) designates the Coast Guard as the nodal agency, and this incident checks how well the plan is executed.
What are the steps taken by the Indian Government?
- Activation of Nodal Agencies: The Indian Coast Guard has been designated as the nodal agency under the National Oil Spill Disaster Contingency Plan (NOS-DCP) to coordinate the response. Eg: In the MSC Elsa 3 case, the Coast Guard is actively engaged in monitoring oil leakage and coordinating salvage efforts.
- Deployment of Salvage Operations: Salvage teams are being engaged following international insurance protocols to prevent further environmental damage. Eg: Authorities have mobilised professional salvers to safely retrieve containers and prevent hazardous leaks from the sunken ship.
- Monitoring and Cleanup Measures: Environmental agencies have been tasked with identifying and addressing the pollution caused, including plastic pellets and chemical residues. Eg: The Kerala government is coordinating with central pollution control authorities to manage the shoreline impactand protect marine life.
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Way forward:
- Strengthen Maritime Hazard Protocols and Container Screening: India must enforce stricter pre-shipment screening of cargo for hazardous materials and mandate real-time tracking of containers carrying reactive or toxic substances.
- Enhance Rapid Response Infrastructure and Inter-agency Coordination: Develop a unified maritime disaster response framework with clearly defined roles for all agencies — Coast Guard, pollution boards, port authorities, and state governments.
Mains PYQ:
[UPSC 2022] Discuss in detail the photochemical smog emphasizing its formation, effects and mitigation. Explain the 1999 Gothenburg Protocol.
Linkage: The MSC Elsa 3 incident directly involves environmental pollution, specifically marine pollution from hazardous cargo and fuel oil, necessitating mitigation efforts. This question reflects the UPSC’s interest in environmental pollution issues.
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Why in the News?
The MoU signed between Pakistan’s newly created Crypto Council and World Liberty Financial Inc. (WLFI)—a company linked to the Trump family—signals a dramatic pivot by Pakistan toward digital assets, despite its economic fragility.
What are the key objectives of the Pakistan-WLFI crypto collaboration?
- Promote Financial Inclusion: Use blockchain technology to increase access to financial services across Pakistan. Eg: The Pakistan Crypto Council aims to leverage blockchain for wider economic participation despite the country’s economic challenges.
- Monetise National Assets: Utilize crypto to unlock value from untapped resources like rare earth minerals. Eg: Plans include using blockchain to help Pakistan capitalise on rare earth deposits for economic growth.
- Establish Pakistan as a Crypto Hub: Position Pakistan as a regional leader in cryptocurrency trade and stablecoin usage for remittances. Eg: The MoU with WLFI includes introducing stablecoins to facilitate trade and remittances, boosting Pakistan’s role in the regional crypto market.
Why is the Trump administration supporting cryptocurrencies in its second term?
- Reposition US as a Global Leader in Digital Assets: Trump aims to make the US a frontrunner in blockchain innovation and cryptocurrency adoption. Eg: Issued executive orders promoting a national blockchain strategy and reducing regulatory hurdles.
- Maintain US Dollar Dominance: By supporting dollar-backed stablecoins and banning central bank digital currencies (CBDCs), Trump seeks to preserve the US dollar’s global supremacy. Eg: The creation of the Strategic Bitcoin Reserve to hold government-seized crypto assets as national reserves, similar to gold.
- Encourage Crypto Industry Growth and Innovation: Trump reversed previous skepticism to foster a pro-crypto environment, appointing industry-friendly figures to key roles. Eg: Inclusion of pro-crypto leaders like Elon Musk and David Sacks and pausing enforcement actions against major exchanges like Coinbase.
How might Pakistan’s crypto ambitions affect India’s economic and security interests?
- Risk of Cross-Border Money Laundering and Terror Funding: Pakistan’s use of decentralized cryptocurrencies may facilitate untraceable financial flows that could fund terrorism and illicit activities affecting India’s security. Eg: Concerns over digital currencies being misused to fund terror networks across borders.
- Strategic Economic Competition in the Crypto Space: Pakistan’s push to become a regional crypto hub could challenge India’s position in the growing digital asset market and impact economic influence in South Asia. Eg: Pakistan’s plans to monetise national assets and promote crypto adoption with support from WLFI.
- Leverage of Diaspora and Technology for Geopolitical Influence: Pakistan is engaging its diaspora and tech entrepreneurs to strengthen ties with the US and advance its crypto ambitions, potentially shifting regional power dynamics. Eg: Appointment of a British Pakistani entrepreneur to lead crypto regulation and influence policy, signaling increased geo-economic influence via digital currencies.
When did the Indian Supreme Court raise concerns about the lack of a crypto regulatory framework?
During the hearing of Shailesh Bhatt’s bail petition in early 2025: The Supreme Court highlighted the absence of a clear regulatory framework governing cryptocurrencies in India. The Court remarked on the paradox of taxing crypto assets without proper regulation. |
Way forward:
- Develop a Comprehensive Crypto Regulatory Framework: India should establish clear, balanced regulations to promote innovation, protect investors, and curb illicit activities in the crypto space.
- Enhance Cross-Border Collaboration and Monitoring: Strengthen international cooperation to monitor and prevent misuse of cryptocurrencies for money laundering and terrorism financing, while fostering responsible crypto adoption.
Mains PYQ:
[UPSC 2021] What is Cryptocurrency? How does it affect global society? Has it been affecting Indian society also?
Linkage: The growing importance of cryptocurrency, its disruptive potential in global finance, and its implications for India, specifically mentioning India’s significant number of crypto users. This PYQ demonstrates the UPSC’s interest in the fundamental understanding and societal effects of this technology.
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Why in the News?
A new plant species named Pedicularis rajeshiana has been discovered in the western Himalayas of India.
About Pedicularis rajeshiana:
- Discovery: It is a newly discovered plant species found at Rohtang Pass, Himachal Pradesh, at an altitude of 4,390 metres.
- Research Publication: The discovery was made by a scientist from the Botanical Survey of India (BSI), Dehradun, and published in the journal Phytotaxa.
- Plant Family: It belongs to the Orobanchaceae family and is part of the Lousewort group of plants.
- Plant Type: It is a hemiparasitic plant, meaning it draws some nutrients from nearby plants but also performs photosynthesis.
- Habitat: Grows on shaded, rocky mountain slopes, making it rare and possibly endangered due to its specific environment.
- Diversity: With this addition, India now has 83 Pedicularis species, including 36 in the western Himalayas.
Key Features of the Plant:
- Unique Floral Structure:
- Flowers have a deeply cut lower lip and stamens at three different levels — a very rare combination.
- Some flowers show a twin galea (double hood), never observed before in this genus, possibly an evolutionary trait to enhance pollination.
- Microscopic Details: Pollen grains have a croton-like texture and a distinct shape, confirmed through microscope studies.
- Distinctiveness: Compared to related species like P. porrecta and P. heydei, this plant is smaller, with fewer flowers and leaflets.
| [UPSC 2018] Why is a plant called Prosopis juliflora often mentioned in news?
Options: (a) Its extract is widely used in cosmetics. (b) It tends to reduce the biodiversity in the area in which it grows. * (c) Its extract is used in the synthesis of pesticides. (d) (None of the above. |
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Why in the News?
OpenAI has announced its readiness for a future Initial Public Offering (IPO).
Laws Governing IPOs in India:
- SEBI Act, 1992: Empowers SEBI to regulate capital markets and IPO processes.
- Companies Act, 2013: Governs company formation, prospectus rules, and disclosure norms.
- SEBI (ICDR) Regulations, 2018: Specifies detailed rules on IPO eligibility, pricing, disclosure, and allotment.
- Securities Contracts (Regulation) Act, 1956: Regulates the listing and trading of securities on stock exchanges.
- SEBI (LODR) Regulations, 2015: Mandates continuous disclosure requirements and corporate governance standards for listed companies.
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What is an IPO?
- Definition: An IPO is when a private company offers its shares to the public for the first time.
- Objective: It marks the company’s move to become a publicly listed company on a stock exchange.
- End Goal: Through an IPO, companies raise money from investors, and the public gets a chance to become shareholders.
How is an IPO Listed in India?
- Regulatory Filing: A company must file an offer document with SEBI (Securities and Exchange Board of India).
- Offer Document Includes:
- Details of the company and promoters.
- Financial history and business goals.
- The reason for raising capital and IPO structure.
- SEBI Approval: After review, SEBI gives permission for the listing process to begin.
IPO Eligibility & Pricing:
- Eligibility Criteria (SEBI Rules):
- Minimum Rs 3 crore in tangible assets in the last 3 years.
- Minimum Rs 1 crore in net worth each year for 3 years.
- Rs 15 crore average pre-tax profit in at least 3 out of the last 5 years.
- Who sets the Price:
- The company and its merchant banker decide the price based on valuation.
- Factors include assets, profits, and future growth.
- SEBI does NOT fix IPO prices.
Who can invest in an IPO?
- Eligibility: Anyone 18 years or older with a brokerage account can apply.
- Investor Categories:
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- Qualified Institutional Buyers (QIBs): Mutual funds, banks, insurance firms, FPIs, etc.
- Retail Investors: Individuals investing up to Rs 2 lakh.
- High Net Worth Individuals (HNIs): Investing more than Rs 2 lakh.
| [UPSC 2025] Consider the following statements:
I. India accounts for a very large portion of all equity option contracts traded globally, thus exhibiting a great boom.
II. India’s stock market has grown rapidly in the recent past, even overtaking Hong Kong’s at some point in time.
III. There is no regulatory body either to warn small investors about the risks of options trading or to act on unregistered financial advisors in this regard.
Which of the statements given above are correct?
Options: (a) I and II only* (b) II and III only (c) I and III only (d) I, II and III |
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Why in the News?
The Union Cabinet has approved the continuation of the Interest Subvention (IS) component under the Modified Interest Subvention Scheme (MISS) for the financial year 2025–26.
About Modified Interest Subvention Scheme (MISS):
- Central Sector Scheme: It helps farmers get low-interest short-term loans through the Kisan Credit Card (KCC).
- Nodal Agencies: The scheme is monitored by RBI and NABARD and implemented through Public Sector Banks, RRBs, Cooperative Banks, and Private Banks.
- Loan Details:
- Borrowing Limit: Farmers can borrow up to ₹3 lakh at 7% interest.
- Interest Support: Banks get 1.5% interest support from the government, helping them offer cheaper loans.
- Extra Discount: Farmers who repay on time get a 3% Prompt Repayment Incentive, reducing their effective interest rate to 4%.
- For Livestock & Fisheries: Loans up to ₹2 lakh also qualify for this benefit.
- Digital Support: The Kisan Rin Portal (KRP), launched in August 2023, improves transparency and tracking of loan disbursal.
Back2Basics: Kisan Credit Card (KCC) Scheme
- Launch: Started in 1998 based on the R.V. Gupta Committee’s recommendation.
- Who implements it: Managed by Commercial Banks, RRBs, Cooperative Banks, and Small Finance Banks.
- Purpose and Uses:
- Gives quick and easy loans for crop expenses, post-harvest needs, and household costs.
- Supports dairy, poultry, fisheries, and other allied activities.
- Offers credit for farming-related business investments.
- Key Features:
- Collateral-free loans up to ₹2 lakh.
- Interest rates as low as 4% with timely repayment (under MISS).
- Loan limit raised to ₹5 lakh in Budget 2025–26.
- Uses a revolving credit system — farmers can borrow and repay as needed.
- Flexible repayment is aligned with crop cycles to reduce stress.
- Additional Benefits:
- Includes crop insurance under PM Fasal Bima Yojana (PMFBY).
- Since 2018–19, also covers farmers in animal husbandry and fisheries.
- Helps farmers avoid moneylenders, promoting financial inclusion.
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| [UPSC 2020] Under the Kisan Credit Card scheme, short-term credit support is given to farmers for which of the following purposes?
1. Working capital for maintenance of farm assets
2. Purchase of combine harvesters, tractors and mini truck
3. Consumption requirements of farm households
4. Post-harvest expenses
5. Construction of family house and setting up of village cold storage facility
Select the correct answer using the code given below:
Options: (a) 1, 2 and 5 only (b) 1, 3 and 4 only* (c) 2, 3, 4 and 5 only (d) 1, 2, 3, 4 and 5 |
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Why in the News?
The Prime Minister paid tributes to Veer Savarkar on his birth anniversary on May 28th.
About Veer Savarkar: Life, Contributions, and Legacy
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Details |
| Who was Veer Savarkar? |
• Born on May 28, 1883, in Bhagur, Maharashtra,
• Founded the Abhinav Bharat Society (1904) with his brother Ganesh Damodar Savarkar for armed resistance.
• Led India House in London (1906) and the Free India Society.
• Arrested in 1910, sentenced to life imprisonment in Cellular Jail (Kala Pani, Andaman & Nicobar Islands).
• Became President of the Hindu Mahasabha (1937-1943).
• Died on February 26, 1966, after fasting till death. |
| His Contributions |
• Advocated armed revolution against British rule.
• Coined Hindutva (1923), defining Indian identity beyond religion.
• Opposed Partition, emphasizing Hindu political unity.
• Championed military nationalism over passive resistance.
• Writings and ideology influenced Indian nationalist movements. |
| Literary Works |
• The First War of Indian Independence (1909): Reinterpreted the 1857 Revolt as a nationalist struggle.
• Hindutva: Who is a Hindu? (1923): Laid the ideological foundation of Hindutva.
• My Transportation for Life (1950): Memoirs of his imprisonment in Cellular Jail.
• Six Glorious Epochs of Indian History: Advocated Hindu resistance against foreign invaders. |
| Controversies |
• Gandhi Assassination Case (1948): Arrested but acquitted due to lack of evidence.
• Mercy Petitions (1911-1924): Wrote clemency petitions for early release from prison, debated as tactical or compromising.
• Opposition to Quit India Movement (1942): Rejected Gandhi’s call, favoured military strength over civil disobedience.
• Hindutva Ideology: Critics claim it fostered religious divisions, while supporters see it as reviving Hindu identity. |
| [UPSC 2008] During the Indian Freedom Struggle, who of the following raised an army called ‘Free Indian Legion’?
Options: (a) Lala Hardayal (b) Rashbehari Bose (c) Subhas Chandra Bose * (d) V.D. Savarkar |
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Why in the News?
The Kerala Cabinet is exploring the legal possibility of introducing a bill to permit scientific and regulated culling of wild animals, particularly feral boars.
What are Vermins?
- Definition: Vermins are animals considered harmful or nuisance-causing because they damage crops, threaten livestock, or pose risks to human life and property.
- Examples: Common vermins include rats, mice, common crows, and fruit bats.
- Legal Effect: When an animal is classified as vermin, it loses legal protection and becomes exempt from conservation safeguards.
Provisions Related to Vermin in Wildlife Protection Act (WPA), 1972:
- Schedule V: Lists animals classified as vermin, which can be hunted freely.
- Section 62: Allows the central government to declare any wild animal (except those in Schedule I and Part II of Schedule II) as vermin for a specified area and time period.
- Protection Status: Once declared vermin, the animal is treated as a Schedule V species, losing protection.
- Exclusions: Animals in Schedules I and II (e.g., tigers, elephants) enjoy the highest protection and cannot be declared vermin.
- Section 11: Chief Wildlife Wardens can allow trapping, capture, or killing of animals like wild boars in cases of public safety or property damage.
- Wildlife Protection (Amendment) Act, 2022:
- Reduction of Schedules: From six to four, with Schedule V has been removed.
- Direct Declaration Power: It allows the Centre to directly declare any species (except those in Schedule I) as vermin, enabling broader culling without the older categorisation system.
How are Vermins Declared?
- State Initiation: The state sends a formal request to the Ministry of Environment, Forest and Climate Change (MoEFCC).
- Declaration: If justified, the Centre issues a notification, declaring the species vermin for a specific region and time frame.
- Temporary Status: This declaration is not permanent and applies only to the area and time mentioned.
- Examples:
- Wild boar in Uttarakhand
- Nilgai (blue bull) in Bihar
- Rhesus monkeys in Himachal Pradesh
| [UPSC 2024] Consider the following statements:
Statement-I: The Indian Flying Fox is placed under the “vermin” category in the Wild Life (Protection) Act, 1972.
Statement-II: The Indian Flying Fox feeds on the blood of other animals. Which one of the following is correct in respect of the above statements?
Options: (a) Both statement I and Statement II are correct and statement II explains statement I (b) Both Statement-I and Statement-II are correct, but Statement-II does not explain Statement-I (c) Statement- I is correct , but Statement II is incorrect* (d) Statement-I is incorrect, but Statement-II is correct |
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PYQ Relevance:
[UPSC 2013] The product diversification of financial institutions and insurance companies, resulting in overlapping of products and services strengthens the case for the merger of the two regulatory agencies, namely SEBI and IRDA. Justify.
Linkage: The structure and efficiency of financial sector regulation by discussing the potential merger of two key regulatory bodies (SEBI for capital markets and IRDA for insurance). In this article, talks about the reforming India’s Financial Sector” calls for a “coherent, forward-looking strategy that harmonises rules across verticals” and mentions the need for regulatory scrutiny and transparency. |
Mentor’s Comment: India’s financial sector is at a critical turning point. Even after years of policy changes, major problems remain — especially in areas like corporate bond markets, retirement savings, nomination rules across banks and financial services, and the growing risks from unregulated shadow banking. These aren’t just small technical issues; they are deep flaws that hurt investor confidence, customer safety, and the country’s economic strength.
Today’s editorial will talk about the issues related to the Financial sector in India. This content would help in GS Paper III ( Indian Economy).
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Let’s learn!
Why in the News?
There must be consistent rules across all financial sectors, support for a strong corporate bond market, active development of retirement savings options, and better regulation to control shadow banking.
What are the major structural issues plaguing India’s financial sector?
- Fragmented Nomination Rules Across BFSI Sectors: Inconsistent nomination rules in banks, mutual funds, and insurance create confusion and legal disputes. Eg: A person can nominate multiple people for a mutual fund but only one for a bank account, with different legal interpretations of nominee rights—leading to litigation among family members.
- Underdeveloped Corporate Bond Market: The bond market remains shallow, illiquid, and lacks transparency, increasing the cost of capital for businesses. Eg: The RBI once directed the NSE to build a secondary bond market, but the exchange prioritized more profitable equity trading instead.
- Opaque Capital Flows and Weak UBO Disclosures: Lack of transparency in identifying Ultimate Beneficial Owners (UBOs) hinders regulatory oversight. Eg: SEBI struggled to get ownership details from Mauritius-based Elara and Vespera Funds, delaying investigations into their Indian stock market investments.
- Unregulated Shadow Banking Activities: NBFCs and brokers offer bank-like services without full regulatory supervision, exposing the system to financial risks. Eg: Brokers provide margin funding to retail investors at interest rates over 20%, without clear disclosure—mirroring unregulated lending seen before the 2008 global financial crisis.
Why is a harmonised nomination framework across BFSI (Banking, Financial Services, and Insurance) verticals necessary?
- Reduces Legal Ambiguity: Different sectors (banks, mutual funds, insurance) treat nominees differently—causing confusion between nominee rights and legal heirs’ claims. Eg: A nominee in a mutual fund may only act as a trustee, while in a life insurance policy, the nominee may receive full benefits—leading to conflicting court battles.
- Prevents Exploitation of Loopholes: Inconsistent rules create loopholes that can be exploited by unscrupulous actors to divert funds or delay inheritance. Eg: A person can deliberately name different nominees across instruments to cause confusion or suppress rightful heir claims.
- Simplifies Compliance for Citizens: A uniform nomination system makes it easier for ordinary people to understand, update, and track their financial nominations. Eg: A senior citizen managing multiple accounts would benefit from a single, standard process rather than navigating different forms and rules for each institution.
- Reduces Litigation and Administrative Burden: Courts and financial institutions face prolonged legal disputes due to conflicting nominee laws, which could be avoided with uniformity. Eg: Banks and mutual funds spend years contesting claims when legal heirs and nominees disagree—slowing down asset transfer.
- Increases Trust and Transparency: Harmonisation builds trust in the financial system by making processes predictable and fair, thus encouraging formal savings. Eg: When savers know that nomination rules are clear and uniformly applied, they are more likely to invest in insurance or mutual funds without hesitation.
How can a well-developed corporate bond market benefit India’s economy?
- Lowers Cost of Capital for Businesses: A deep bond market enables companies to raise funds at competitive interest rates, reducing their dependence on bank loans. Eg: An efficient bond market could lower borrowing costs by 2–3%, improving viability for sectors like infrastructure and manufacturing.
- Diversifies Sources of Funding: It provides an alternative to bank financing, thereby reducing systemic risks and enhancing financial stability. Eg: Large firms like NTPC or Reliance can raise capital directly from investors through bonds, easing pressure on public sector banks.
- Encourages Long-Term Investment: Corporate bonds are ideal for funding long-gestation projects like highways, power plants, and green energy, attracting pension funds and insurance firms. Eg: The National Investment and Infrastructure Fund (NIIF) can tap bond markets to finance long-term infrastructure.
- Boosts Financial Market Development: A vibrant bond market leads to greater depth, liquidity, and transparency in the financial system. Eg: Countries like South Korea and Malaysia have developed strong bond markets that support efficient capital allocation.
- Enhances Retail Participation and Savings Mobilization: If made accessible and credible, bond markets can attract retail investors, expanding financial inclusion and mobilizing household savings. Eg: Government-backed platforms could offer secure corporate bonds to middle-class savers as an alternative to fixed deposits.
Who is responsible for regulating and curbing the risks of shadow banking in India?
- Reserve Bank of India (RBI): RBI regulates Non-Banking Financial Companies (NBFCs), ensuring they comply with capital adequacy, liquidity norms, and risk management frameworks. Eg: After the IL&FS crisis, RBI tightened norms on NBFCs’ asset-liability management and enhanced their supervision.
- Securities and Exchange Board of India (SEBI): SEBI oversees brokers, margin lenders, and mutual funds that may engage in shadow banking-like activities, ensuring transparency in trading and lending practices. Eg: SEBI took steps to curb margin funding risks offered by brokers to retail investors under complex lending structures.
- Ministry of Finance: The Ministry designs regulatory frameworks and inter-agency coordination, enabling RBI and SEBI to monitor and respond to emerging risks in shadow banking. Eg: The government supported RBI’s proposal to bring large NBFCs under bank-like regulations and backed a risk-based supervision model.
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Way forward:
- Unified and Risk-Based Regulatory Framework: Adopt a harmonised, activity-based regulation where entities performing similar financial functions are subjected to similar oversight, regardless of their institutional form. Eg: Apply the same capital, disclosure, and consumer protection standards to both NBFCs and banks offering credit, ensuring no regulatory arbitrage.
- Enhanced Supervisory Capacity and Real-Time Monitoring: Strengthen inter-agency coordination (RBI, SEBI, Ministry of Finance) and invest in AI-powered data analyticsto track complex transactions and hidden risks. Eg: Use advanced analytics to monitor NBFC balance sheets and digital lending platforms in real time, enabling early warning systems and prompt corrective action.
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Why in the News?
For the first time in India’s parliamentary history, the Deputy Speaker’s position stayed empty for the whole Lok Sabha term from 2019 to 2024, and now there is a chance it won’t be filled in the 18th Lok Sabha either.
Why is the Deputy Speaker’s vacancy a constitutional concern?
- Violation of Constitutional Provisions: Articles 93 and 94 require the Deputy Speaker to be elected “as soon as may be” and to hold office until resignation, removal, or disqualification. The prolonged vacancy violates this mandate, creating a constitutional vacuum. Eg: In the 17th Lok Sabha (2019-24), no Deputy Speaker was appointed despite the constitutional requirement.
- Undermines Parliamentary Democracy and Power Sharing: The Deputy Speaker’s post is traditionally given to an Opposition member to maintain checks and balances. Leaving it vacant concentrates power in the ruling party, weakening democratic resilience and the principle of shared authority. Eg: The refusal of the ruling party to offer the Deputy Speaker position to the Opposition breaks this longstanding convention.
- Risk of Constitutional Crisis and Legislative Disruption: The Deputy Speaker ensures the continuity of parliamentary proceedings if the Speaker resigns or is incapacitated. Without a Deputy Speaker, a constitutional crisis could arise, disrupting governance and legislative business. Eg: If the Speaker’s chair becomes vacant, the Deputy Speaker normally assumes duties; without one, the functioning of Parliament could be paralyzed.
What is the significance of Deputy speaker in Parliament?
- Ensures Continuity of Parliamentary Proceedings: The Deputy Speaker presides over the Lok Sabha when the Speaker is absent, ensuring that legislative businesscontinues smoothly without interruption. Eg: When the Speaker is unavailable due to illness or travel, the Deputy Speaker takes charge of the session.
- Acts as a Neutral and Impartial Arbiter: The Deputy Speaker plays a crucial role in maintaining fairness during debates and sensitive discussions, acting independently of the ruling party’s influence. Eg: The Deputy Speaker oversees debates on private member bills and ensures that all voices, including the Opposition, are heard.
- Maintains Democratic Balance and Power Sharing: By convention, the Deputy Speaker is usually from the Opposition, which helps uphold the spirit of power-sharing and checks and balances essential to parliamentary democracy. Eg: Offering the Deputy Speaker post to an Opposition member fosters cooperation and harmony between the ruling party and Opposition.
What are the key duties of the Deputy Speaker?
- Presides over Lok Sabha sessions in the Speaker’s absence: The Deputy Speaker conducts and manages the proceedings of the House with the same powers as the Speaker during such times. Eg: When the Speaker is unavailable, the Deputy Speaker presides over debates and voting sessions.
- Oversees important parliamentary committees: The Deputy Speaker chairs key committees like the Private Member’s Bill Committee and the House Budget Committee, facilitating legislative scrutiny. Eg: The Deputy Speaker leads discussions on private members’ bills ensuring smooth consideration and debate.
- Maintains impartiality and ensures fair conduct: The Deputy Speaker acts as a neutral arbitrator, ensuring orderly debates and protecting the rights of all members, including the Opposition. Eg: During sensitive or contentious discussions, the Deputy Speaker ensures that rules are followed and all sides get a fair hearing.
When should the Deputy Speaker be elected as per Article 93?
- Article 93 states that the Deputy Speaker must be elected “as soon as may be” after the House of Lok Sabha is constituted.
- The phrase implies a sense of urgency and necessity, not discretionary or indefinite delay. This means the election should happen immediately or without unreasonable delay following the formation of the new Lok Sabha.
- The Deputy Speaker continues in office until resignation, removal, or disqualification as per Article 94, ensuring continuity.
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Way forward:
- Timely Election of Deputy Speaker to Uphold Constitutional Mandate: The government and all parliamentary parties should prioritize the election of the Deputy Speaker “as soon as may be” as mandated by Articles 93 and 94 to avoid constitutional vacuum, ensure smooth functioning of the Lok Sabha, and maintain democratic resilience.
- Respecting the Convention of Power Sharing with the Opposition: To strengthen parliamentary democracy, the ruling party should adhere to the established convention of offering the Deputy Speaker post to an Opposition member. This would foster bipartisan cooperation, reinforce checks and balances, and promote harmonious functioning of the House.
Mains PYQ:
[UPSC 2024] Discuss the role of Presiding Officers of state legislatures in maintaining order and impartiality in conducting legislative work and in facilitating best democratic practices.
Linkage: The role of presiding officers in legislative bodies (at the state level, analogous to the Deputy Speaker in Lok Sabha). This article emphasizes that the Deputy Speaker oversees debates and serves as a neutral arbiter.
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Why in the News?
Recently, the CEO of NITI Aayog announced that India has moved ahead of Japan to become the world’s fourth-largest economy.
What is the key difference between nominal GDP and PPP-based GDP?
- Nominal GDP: Measured using current market exchange rates in US dollars. Eg: If India’s GDP is ₹270 lakh crore and $1 = ₹75, then nominal GDP = ₹270 lakh crore ÷ 75 = $3.6 trillion.
- PPP-Based GDP: Adjusted for differences in the cost of living and price levels between countries. Eg: If goods and services are cheaper in India, PPP adjusts the GDP upward to reflect greater actual consumption — India’s GDP could be $12 trillion in PPP terms, even though nominal GDP is lower.
When did India become the third-largest economy by PPP estimates?
In 2009, India overtook Japan in PPP-based GDP. This milestone occurred during the tenure of the Manmohan Singh-led UPA government. India has retained the 3rd position ever since, behind only China and the United States. The PPP-based ranking reflects India’s large population and lower cost of living, which boosts its effective domestic consumption. |
How do exchange rates affect nominal GDP rankings?
- Conversion Dependency: Nominal GDP is calculated in US dollars, so a country’s GDP in local currency must be converted using the exchange rate. Eg: If India’s GDP is ₹300 lakh crore and $1 = ₹75, its dollar GDP would be $4 trillion; but if $1 = ₹85, the same GDP becomes $3.5 trillion.
- Exchange Rate Fluctuations Can Distort Rankings: A country’s global GDP rank can change without any real economic growth or decline, simply due to currency appreciation or depreciation. Eg: If the Japanese yen strengthens against the dollar, Japan’s nominal GDP in dollars rises—even if its actual output hasn’t changed.
- Unfair Comparison Across Countries: Countries with volatile or weakening currencies may appear smaller in nominal terms than they are in real domestic terms. Eg: India’s GDP may seem lower than the UK’s in nominal terms due to a weaker rupee, even if India produces more goods and services overall.
Why is per capita GDP more reflective of individual prosperity?
- Accounts for Population Size: Per capita GDP divides total GDP by the population, showing the average income per person, unlike aggregate GDP which may hide disparities. Eg: India’s GDP is higher than the UK’s in total, but because India has over 20 times the population, its per capita GDP is much lower.
- Better Indicator of Living Standards: It reflects the average economic well-being and purchasing power of citizens, making it more relevant for assessing prosperity. Eg: A country with $50,000 per capita GDP (like the UK) offers far better public services, infrastructure, and living conditions than one with $2,800 (like India), even if total GDPs are comparable.
- Highlights Income Distribution and Development Needs: Low per capita GDP suggests widespread poverty or unequal wealth distribution, even if overall GDP is growing. Eg: Despite being the world’s 5th largest economy, India’s low per capita GDP shows most individuals have limited incomes and access to economic benefits.
What does India’s per capita GDP reveal compared to the UK’s?
| Aspect |
India |
UK |
Example |
| Per Capita GDP (2025) |
10,020 PPP dollars |
58,140 PPP dollars |
UK’s per capita income is ~6 times higher than India’s. |
| Living Standards & Services |
Lower access to quality services |
Higher standard of living, social welfare |
Indians have limited access to healthcare, education, and housing |
| Economic Inequality & Prosperity |
Aggregate GDP is growing, but benefits are not evenly distributed |
Prosperity is more widely shared |
Despite India’s growth, individual prosperity remains low on average. |
Way forward:
- Invest in Human Capital and Social Infrastructure: India must enhance spending on education, healthcare, and skill development to improve productivity and raise per capita incomes. Improved human capital directly boosts innovation, employability, and long-term economic growth.
- Focus on Inclusive and Equitable Growth: Policies should ensure that economic gains are widely distributed, especially through rural development, MSME support, and targeted welfare schemes. This will reduce income disparities and lift more people into the formal, productive economy, improving per capita prosperity.
Mains PYQ:
[UPSC 2022] Is inclusive growth possible under market economy? State the significance of financial inclusion in achieving economic growth in India.
Linkage: India’s high aggregate economic rank alongside low per capita income, raises questions about how India’s economic growth model is translating into shared prosperity, a central theme of inclusive growth. This question explicitly asks about the possibility and mechanisms (like financial inclusion) of achieving “inclusive growth” within a market economy.
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Why in the News?
The defence minister has cleared the execution model for the Advanced Medium Combat Aircraft (AMCA) project, where Hindustan Aeronautics Limited (HAL) must now compete with private companies for the production contract under a new industry partnership model.
About the AMCA Project:
- Overview: The Advanced Medium Combat Aircraft (AMCA) is India’s fifth-generation stealth fighter being developed by ADA under DRDO.
- Approval: The project received Cabinet Committee on Security (CCS) approval in March 2024, with a budget of ₹15,000 crore.
- Timeline: The first prototype is expected by 2028–29, production by 2032–33, and induction by 2034.
- Key Features:
- Stealth design, internal weapons bay, and diverterless supersonic intake.
- Payload: 1,500 kg internal and 5,500 kg external.
- Fuel: Internal capacity of 6,500 kg.
- Development Phases:
-
- AMCA Mk1 will use the GE F-414 engine.
- AMCA Mk2 will have a co-developed engine with France’s Safran.
- Strategic Importance: AMCA will help India counter threats from regional powers like China, which already deploy J-20 and J-35 fighters.
What are 5th Generation Fighter Aircrafts?
- Definition: Fifth-generation fighters are the most advanced combat aircraft in service today.
- Examples: Include the F-22 and F-35 (USA), Su-57 (Russia), and J-20 (China).
- Core Features:
- Stealth technology to avoid radar detection.
- Beyond-visual-range (BVR) combat capabilities.
- AI-based systems and automated battle management.
- Roles: These jets can perform air combat, surveillance, and ground attacks with precision and multi-role capability.
What does “Generation” mean in Fighter Aircrafts?
- Classification: Fighter jets are grouped by technological advances that can’t be added through upgrades.
- Evolution:
- 1st–3rd Gen: Basic jets with limited speed and weaponry.
- 4th Gen: Improved radar, manoeuvrability, and precision weapons (e.g., Rafale, Su-30MKI).
- 5th Gen: Introduces stealth, super-cruise, sensor fusion, and electronic warfare.
- Comparative Use: While not a perfect measure, “generation” helps compare air force capabilities across countries.
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| [UPSC 2025] With reference to India’s defence, consider the following pairs:
Aircraft type: Description
I. Dornier-228: Maritime patrol aircraft
II. IL-76: Supersonic combat aircraft
III. C-17 Globemaster III: Military transport aircraft
How many of the pairs given above are correctly matched?
Options: (a) Only one (b) Only two* (c) All three (d) None |
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