PYQ Relevance:
[UPSC 2022] What are the forces that influence ocean currents? Describe their role in fishing industry of the world.
Linkage: While it focuses on the influence of ocean currents rather than the threat of overfishing, it establishes the fishing industry as a subject of examination in the context of geography and marine environments. |
Mentor’s Comment: India’s marine fisheries sector produces around three to four million tonnes of catch annually, showing that the country has reached its maximum sustainable yield. However, large mechanised fishing operations dominate the catch, while small-scale fishers—who make up 90% of the fishing population—harvest only about 10% of the total volume. Despite the high output, nearly three-quarters of marine fisher families live below the poverty line. When fishers invest in newer nets and bigger engines to catch ‘just one more kilo,’ they often fail to increase their catch significantly and instead incur higher debts, fuel expenses, and other costs, worsening the economic condition of these vulnerable communities.
Today’s editorial discusses issues in the Indian marine fisheries sector. This content will help you with GS Paper 2 (Policy Making) and GS Paper 3 (Indian Economy and Environment).
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Let’s learn!
Why in the News?
India’s marine fisheries sector faces an ecological and economic crisis. Although it produces 3–4 million tonnes of fish each year, it hides serious problems of unfairness and unsustainability.
What causes inequity in India’s marine fisheries despite high yields?
- Dominance of Mechanised Fishing: Large mechanised vessels capture the majority of fish, leaving small-scale fishers with a minimal share. For example, though small-scale fishers make up 90% of the population, they catch only 10% of the total marine output.
- Low Incomes Despite High Effort: Marginal increase in catch requires high investment in fuel, engines, and nets, increasing debts for traditional fishers. Eg: Even with larger engines, returns don’t rise proportionally, worsening poverty in fishing communities.
- Bycatch and Wasteful Practices: High-volume trawling discards significant juvenile and non-target species, reducing long-term resource availability. Eg: Shrimp trawlers discard over 10 kg of bycatch for every 1 kg of shrimp caught.
- Regulatory Fragmentation: Varying state laws allow exploitation of legal loopholes, enabling illegal or unsustainable practices. Eg: A fish species banned in one state can be caught and sold by landing in a neighbouring state.
- Lack of Inclusive Governance: Small-scale fishers have limited role in fisheries decision-making and benefit-sharing mechanisms. Eg: Fisheries subsidies and infrastructure mainly support large operators, sidelining traditional communities.
Why is shrimp trawling harmful to marine ecosystems?
- High Bycatch: Shrimp trawling results in excessive capture of non-target species, including juveniles. Eg: For every 1 kg of shrimp, over 10 kg of juvenile fish and other marine life are discarded.
- Juvenile Fishing: Small mesh sizes allow immature fish to be caught, reducing breeding populations. Eg: Sub-legal mesh sizes (<25 mm) trap juvenile sardines and mackerel, threatening their recovery.
- Habitat Destruction: Bottom trawling disturbs seabeds and coral reefs, degrading marine habitats. Eg: Trawl nets drag along the ocean floor, damaging reef ecosystems and invertebrate habitats.
- Ecosystem Imbalance: Removing large quantities of multiple species disrupts food webs and marine biodiversity. Eg: Multi-species shrimp trawling affects dozens of species, weakening ecosystem stability.
- Encourages Unsustainable Practices: The bycatch feeds fish-meal and fish-oil industries, incentivising further exploitation. Eg: Over half of trawl fishery hauls in some states are low-value bycatch ground into meal for export.
How do state-level laws hinder effective fisheries regulation?
- Fragmented Legal Framework: Each coastal State/UT has its own Marine Fisheries Regulation Act (MFRA), leading to inconsistency in rules. Eg: A fish species protected as juvenile in one State may be legally caught in a neighbouring State.
- Easy Circumvention: Fishers exploit legal loopholes by landing catch across State borders to avoid stricter regulations. Eg: Unscrupulous trawlers bypass juvenile fish bans by selling catch in States with weaker enforcement.
- Undermines Conservation: Lack of harmonised standards weakens conservation efforts and encourages overfishing of vulnerable stocks. Eg: Inconsistent mesh size limits and closed season rules reduce the overall effectiveness of protection policies.
Which models show success in sustainable fisheries management?
- Quota Management System (QMS): Aligns science and policy by setting total allowable catches based on stock assessments and allocating tradable quotas. Eg: New Zealand’s QMS, introduced in 1986, helped stabilise and rebuild key fisheries through individual transferable quotas.
- Minimum Legal Size (MLS) Regulation: Enforcing size limits allows fish to mature and reproduce, leading to long-term stock recovery and improved fisher incomes. Eg: After Kerala implemented MLS for threadfin bream, catches rose by 41% in a single season.
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Who should act to ensure marine fisheries sustainability in India?
- Central Government: Should promote an ecosystem-based regulatory approach by reforming vessel licenses, infrastructure grants, and subsidies. Eg: Aligning subsidies with sustainability goals can discourage overfishing by mechanised fleets.
- State Governments: Must strengthen enforcement of fisheries laws with better patrols and real-time reporting tools. Eg: Uniform implementation of gear restrictions and closed seasons across coastal states.
- Fisher Cooperatives and Village Councils: Can act as co-managers of marine protected areas and breeding sanctuaries, ensuring community participation. Eg: Local councils enforcing seasonal bans and gear regulations in Kerala’s coastal villages.
- Consumers (Urban & Rural): Should exercise responsible seafood consumption by choosing legally sized, sustainably sourced fish. Eg: Rejecting undersized fish in markets can reduce demand for juvenile catch and promote biodiversity.
What are the steps taken by the Indian government?
- Infrastructure Development: The government is modernising fisheries-related infrastructure to improve efficiency and reduce post-harvest losses. Eg: Under the Pradhan Mantri Matsya Sampada Yojana (PMMSY), over ₹20,000 crore has been allocated to develop fishing harbours like the Mangalore fishing harbour and Paradeep harbour in Odisha with modern landing and storage facilities.
- Fisheries Subsidies and Financial Support: Financial aid is provided to fishers for deep-sea fishing, insurance, and the adoption of sustainable practices. Eg: The Blue Revolution scheme supported the acquisition of deep-sea tuna longliners by Tamil Nadu fishers, promoting offshore fishing and reducing coastal pressure.
- Policy Reforms and Conservation Measures: The government is implementing biological conservation through legal reforms like fishing bans, gear restrictions, and MLS regulations. Eg: The Kerala government’s implementation of Minimum Legal Size (MLS) for threadfin bream in 2017 resulted in a 41% increase in catch in just one season, showing improved fish stock regeneration.
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Way forward:
- Implement a unified national fisheries law to harmonise regulations across states, closing legal loopholes and strengthening enforcement for sustainable resource management.
- Empower local fishing communities through co-management models, enhancing their participation in decision-making and conservation to ensure equitable benefits and long-term ecosystem health.
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Why in the News?
Most western border districts, except in Gujarat, had little or no growth in exports and saw slow poverty reduction. Now, recent tensions and shelling between India and Pakistan are hurting the economy in these 22 districts.
What causes slower poverty reduction in border districts?
- Geopolitical Tensions and Hostile Neighbours: Constant threats such as cross-border shelling along the LoC disrupt livelihoods, infrastructure, and public services. Eg: In Jammu & Kashmir, border districts face frequent disruptions due to tensions with Pakistan, limiting economic stability and job opportunities.
- Limited Economic and Industrial Activity: Border districts often lack a strong industrial base or service sector, leading to low income-generation and underemployment. Eg: In Rajasthan and Punjab, several border districts showed slower poverty reduction than State averages due to stagnant economic growth.
- Inadequate Infrastructure: Poor roads, communication networks, and market access hinder economic integration and development. Eg: Eastern States like Arunachal Pradesh and Nagaland face challenges due to remote terrain and limited connectivity, contributing to persistent poverty.
- Declining Development Fund: Post-pandemic, central funding under schemes like the Border Area Development Programme (BADP) has declined sharply. Eg: After FY20, both western and eastern border areas experienced reduced support, slowing poverty reduction efforts.
- Landlocked and Isolated Geography: Many border districts, especially in the Northeast, are landlocked and rely on external transport hubs, limiting local trade and economic activity. Eg: In Assam, 75% of border districts had a slower decline in poverty than the State average between 2015–16 and 2019–21.
Why are exports stagnant in most border districts except Gujarat?
- Lack of Industrial and Export Ecosystem: Most border districts lack industrial clusters, export-processing zones, and supply chain infrastructure, which hampers export activity. Eg: Border districts in Punjab, Rajasthan, and Jammu & Kashmir contribute only 0.3% to India’s total exports, showing minimal export potential.
- Geopolitical and Security Constraints: Tensions with neighboring countries and border insecurities restrict cross-border trade and deter investment in export-oriented industries. Eg: Frequent cross-border shelling along the LoC in J&K and Rajasthan affects trade operations and discourages private sector involvement.
- Gujarat’s Strategic Advantage and Policy Support: Gujarat benefits from a coastal location, developed infrastructure, and proactive industrial policies, enabling strong export growth. Eg: Border districts in Gujarat increased their export share from 1.9% in FY22 to 3% in FY24, in contrast to stagnation elsewhere.
Which border districts performed better economically?
- Gujarat is the only western border State where all border districts saw a faster decline in poverty than the State average.
- Eg: export share from border districts rose from 1.9% (FY22) to 3% (FY24) — indicating successful economic activity.
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Why did the government’s support to border areas decline?
- Reallocation of Resources Post-Pandemic: The COVID-19 pandemic shifted national priorities toward healthcare, urban welfare, and fiscal recovery, resulting in reduced focus on border-specific programmes. Eg: Post FY20, schemes like the Border Area Development Programme (BADP) faced budget cuts as funds were redirected to pandemic-related needs.
- Security-Centric Approach Over Development: In sensitive regions, the government adopted a more security-focused strategy, often at the cost of developmental spending in border districts. Eg: In J&K and Punjab, heightened defence and surveillance measures took precedence, sidelining economic initiatives and local development schemes.
- Administrative and Logistical Challenges: Border areas, especially in the Northeast, face issues like difficult terrain, poor connectivity, and limited administrative reach, deterring consistent support. Eg: In Nagaland and Arunachal Pradesh, implementation hurdles led to underutilization of allocated funds, reducing the impact of central schemes.
Way forward:
- Targeted Development & Infrastructure Boost: Prioritise region-specific infrastructure (roads, logistics hubs, digital connectivity) and promote border-based industrial clusters to generate employment and improve trade potential.
- Revive and Expand BADP with Integrated Planning: Strengthen the Border Area Development Programme (BADP) with post-pandemic funding revival, and ensure convergence with state schemes for holistic socio-economic upliftment of border districts.
Mains PYQ:
[UPSC 2024] Examine the conflicting issues and security challenges along the border. Also give out the development being undertaken in these areas under the Border Area Development Programme (BADP) and Border Infrastructure and Management (BIM) Scheme.
Linkage: The security problems along the border, such as India-Pakistan tensions and cross-border shelling, as seen in the “India’s Border Districts”. It also explores how development programmes address these issues, directly linking security challenges with economic and development concerns in border regions. It clearly connects border tensions with the economic struggles in these areas.
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Why in the News?
A recent study titled ‘Poverty Decline in India after 2011–12: Bigger Picture Evidence’ shows that poverty in India fell from 37% in 2004-05 to 22% in 2011-12. However, poverty declined by only an additional 18% until 2022-23, and officials have not released any poverty estimates after 2011-12.
What are the three methods used to estimate post-2011 poverty in India?
- Alternative NSSO Surveys: Using different socio-economic surveys like the Usual Monthly Per Capita Consumption Expenditure (UMPCE) from NSSO rounds after 2011-12, despite comparability issues with earlier surveys. Eg: Estimates based on UMPCE suggest poverty between 26-30% in 2019-20.
- Private Final Consumption Expenditure (PFCE) Scaling: Scaling consumption data from the 2011-12 Household Consumption Expenditure Survey using the growth rate of PFCE from National Accounts Statistics (NAS) to estimate consumption trends. Eg: Used by economist Surjit Bhalla and colleagues in 2022.
- Survey-to-Survey Imputation: Filling data gaps by linking related surveys (e.g., consumption surveys with employment surveys) through imputation models, often at the State level for better accuracy. Eg: The recent study titled ‘Poverty Decline in India after 2011–12: Bigger Picture Evidence’ study using NSSO Employment-Unemployment Surveys with Consumer Expenditure Surveys to estimate poverty decline to about 18% in 2022-23.
Note: Surjit Bhalla is an Indian economist, author, and columnist who served as Executive Director for India at the International Monetary Fund. |
How much has poverty declined post-2011–12, and how does it compare with the earlier period?
- Sharp slowdown: Poverty fell from 37% (2004–05) to 22% (2011–12), a 15-point drop, but only to 18% by 2022–23, a mere 4-point reduction in over a decade.
- Absolute poverty numbers: Number of poor declined from 250 million to 225 million in 10 years — a decline of only 10%, compared to a much faster fall earlier.
- GDP correlation: GDP growth slowed from 6.9% (2004–12) to 5.7% (2012–23), consistent with slower poverty reduction.
Why has the poverty reduction slowed since 2011-2012?
- Slower GDP Growth: Average GDP growth declined from 6.9% (2004-05 to 2011-12) to 5.7% (2011-12 to 2022-23), correlating with slower poverty reduction.
- Declining Real Wage Growth: Growth in rural wages slowed down significantly — from 4.13% annually before 2011-12 to 2.3% after 2011-12.
- Rising Agricultural Workforce with Lower Productivity: After a decline in agricultural workers till 2017-18, 68 million workers joined agriculture post-2017-18, leading to lower agricultural productivity and wages, which hampers poverty reduction.
How do the Poverty trends vary across Indian States?
- Significant Poverty Reduction: Some states have shown marked improvement in reducing poverty levels after 2011-12. Eg: Uttar Pradesh has notably decreased its poverty rate during this period.
- Slow Progress: Historically poor states continue to struggle with slow poverty reduction due to persistent socio-economic challenges. Eg: Jharkhand and Bihar have experienced much slower declines in poverty rates.
- Stagnation: Several large and economically important states have seen poverty reduction stagnate, with little change over the years. Eg: Maharashtra and Andhra Pradesh show almost no improvement in poverty reduction post-2011-12.
What are the steps taken by the Indian Government?
- Implementation of Social Welfare Schemes: The government has launched various targeted welfare programs to support the poor and vulnerable groups. Eg: Pradhan Mantri Awas Yojana for affordable housing.
- Focus on Employment Generation: Programs aimed at creating jobs, especially in rural areas, to increase income and reduce poverty. Eg: Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA).
- Financial Inclusion Initiatives: Efforts to increase access to banking and financial services for the poor. Eg: Jan Dhan Yojana, which promotes opening of bank accounts for the unbanked.
- Agricultural Support and Reforms: Policies to improve farmers’ incomes and agricultural productivity to support rural livelihoods. Eg: PM-Kisan Samman Nidhi, providing direct income support to farmers.
- Health and Education Programs: Investments in healthcare and education to improve human capital and break the cycle of poverty. Eg: Ayushman Bharat health insurance scheme for poor families.
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Way forward:
- Rural Wage & Productivity Growth: Boost rural wages and agricultural productivity by implementing reforms, improving access to technology, and providing skill development to increase income and reduce poverty sustainably.
- Data Accuracy & Monitoring: Improve data collection and real-time monitoring of poverty indicators to ensure precise measurement, enabling better-targeted policies and effective poverty alleviation programs.
Mains PYQ:
[UPSC 2015] Though there have been several different estimates of poverty in India, all indicate reduction in poverty levels over time. Do you agree? Critically examine with reference to urban and rural poverty indicators.
Linkage: Estimates consistently show a reduction in poverty over time rather than the underlying surveys or methodologies used to produce them, answering this question effectively would require knowledge that various estimates exist, often derived from different data sources or approaches.
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Why in the News?
A new ETH Zurich study warns that under the Shared Socioeconomic Pathway (SSP) 5-8.5 scenario, warming could make cyclones more intense and hit unusual regions with greater damage.
What are Shared Socioeconomic Pathways (SSPs)?
- Definition: SSPs are 5 global scenarios that show how changes in society, economy, and technology might influence climate adaptation and mitigation.
- Purpose: They complement Representative Concentration Pathways (RCPs) by adding socioeconomic context to climate models.
- Development: Created in the late 2000s, published in 2016, and used in the IPCC 6th Assessment Report and CMIP6 models.
- Function: SSPs assume no new climate policies, helping scientists explore how global trends affect emissions and climate action.
- The Five Pathways:
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- SSP1: Sustainable and equitable world
- SSP2: Continuation of current trends
- SSP3: Regional rivalry with high population growth
- SSP4: Unequal world with high disparities
- SSP5: Fossil-fuel-based rapid economic growth
- Usage: SSPs are used with RCPs to explore how different futures could affect the 1.5°C or 2°C warming targets.
- Significance: They help policymakers assess how societal choices impact climate risks, emissions, and the feasibility of global goals.
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About SSP5-8.5 and Cyclone Risks:
- Scenario Summary: SSP5 shows rapid economic growth fuelled by fossil fuels.
- Radiative Forcing: SSP5-8.5 implies 8.5 W/m² of energy, compared to about 2.7 W/m² today.
- Climate Target Gap: To limit warming below 2°C, forcing must stay around 2.6 W/m².
- Cyclone Projections: Using the CLIMADA (climate adaptation) AI model, scientists studied past cyclone patterns and projected risks from 2015–2050.
- Ecoregion Types:
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- Resilient: Often affected, but recover quickly
- Dependent: Moderately impacted and adaptive
- Vulnerable: Rarely hit but slow to recover
- Findings:
- Time between severe cyclones in resilient areas may drop from 19 to 12 years.
- East Asia, Central America, and the Caribbean will face stronger, more frequent cyclones.
- Madagascar, Oceania, and the Philippines will face unprecedented cyclone activity.
Impact on Mangroves and Coastal Ecosystems:
- Mangrove Risk: By 2100, up to 56% of global mangroves could be at high to severe risk.
- Most Affected Region: Southeast Asia, with 52–78% of mangroves at risk.
- Other Scenario Impact (SSP3-7.0): Even under less severe warming, 97–98% of protective mangroves in Southeast Asia could still face critical threats.
- Environmental Concern: These losses would severely weaken coastal protection, biodiversity, and carbon storage.
| [UPSC 2020] Consider the following statements:
1. Jet streams occur in the Northern Hemisphere only. 2. Only some cyclones develop an eye. 3. The temperature inside the eye of a cyclone is nearly 10°C lesser than that of the surroundings.
Which of the statements given above is/are correct?
Options: (a) 1 only (b) 2 and 3 only (c) 2 only* (d) 1 and 3 only |
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Why in the News?
At the 78th World Health Assembly held in Geneva, the World Health Organisation (WHO) adopted a new Pandemic Agreement that aims to make the global response to future pandemics more equitable and effective.
About the WHO Pandemic Agreement:
- Adoption: It was unanimously adopted at the 78th World Health Assembly in Geneva after 3 years of negotiation since the COVID-19 pandemic.
- Legal Basis: It was adopted under Article 19 of the WHO Constitution, making it only the second such legally binding agreement after the WHO Framework Convention on Tobacco Control (2003).
- Primary Goal: To ensure fair and timely access to vaccines, medicines, and diagnostic tools during future pandemics.
- Stakeholders: It promotes collaboration among countries, WHO, pharmaceutical firms, civil society, and other stakeholders.
- Next Steps: It will come into force once ratified by at least 60 countries; the final annex is expected by May 2026.
- Irritant: The US has not joined, raising concerns about the agreement’s global effectiveness.
Key Highlights of the Agreement:
- Pathogen Access and Benefit Sharing (PABS): A new system will ensure quick virus sample sharing with companies, who must give 20% of vaccines and medicines to WHO—10% as donations and 10% at affordable prices.
- Global Supply Chain and Logistics Network (GSCL): A WHO-managed network will ensure emergency access to critical supplies during pandemics.
- Coordinating Financial Mechanism: A funding system will support countries in pandemic preparedness and response.
- Sustainable Local Production: Countries are encouraged to build vaccine and medicine production capacity to ensure rapid and equal access.
- Technology and Knowledge Transfer: Supports technology sharing with developing nations using licensing, financing, and regulatory tools, coordinated via WHO-managed hubs.
- Pandemic Prevention and Surveillance: Countries must improve early detection, routine vaccinations, and address lab safety, antimicrobial resistance, and zoonotic threats.
- Respect for Sovereignty: The WHO will not enforce national policies like lockdowns, vaccine mandates, or travel bans; countries retain full control over responses.
| [UPSC 2022] In the context of vaccines manufactured to prevent COVID-19 pandemic, consider the following statements:
1. The Serum Institute of India produced COVID-19 vaccine named Covishield using mRNA platform.
2. Sputnik V vaccine is manufactured using vector-based platform.
3. COVAXIN is an inactivated pathogen-based vaccine.
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 |
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Why in the News?
Scientists have discovered that a massive solar storm hit Earth around 12,350 BC, making it the most powerful solar event ever detected.
What are Solar Particle Storms?
- About: A solar storm is a disturbance caused by solar flares or coronal mass ejections that release charged particles into space.
- Solar Particle Storm: It is a type of solar storm where high-energy particles travel toward Earth, producing cosmogenic isotopes like radiocarbon.
- Detection: These isotope spikes are recorded in tree rings and are known as Miyake events, which act as cosmic timestamps.
- Impact: Though rare, solar particle storms can severely affect satellites, communication systems, and power grids.
- Historical Events: Major solar particle storms were identified in AD 994, 663 BC, 5259 BC, and 7176 BC.
- Carrington Event (1859): This was a major solar storm, but not a particle storm—it resulted from a different solar mechanism.
How was the ancient storm detected?
- Methodology: A solar storm from 12,350 BC was discovered using tree-ring data from the French Alps.
- Event Strength: This storm was over 500 times stronger than the 2005 solar storm, the largest in the satellite era.
- What are its implications?
- Significance: This is the first known extreme solar event before the Holocene, predating the last 12,000 years of stable climate.
- Modern Relevance: The discovery highlights the risks of future extreme solar activity on Satellite infrastructure and Space Application.
- Significance: Miyake events improve the precision of archaeological dating, helping better understand ancient human history.
| [UPSC 2022] If a major solar storm (solar flare) reaches the Earth, which of the following are the possible effects on the Earth?
1. GPS and navigation systems could fail.
2. Tsunamis could occur at equatorial regions.
3. Power grids could be damaged.
4. Intense auroras could occur over much of the Earth.
5. Forest fires could take place over much of the planet.
6. Orbits of the satellites could be disturbed.
7. Shortwave radio communication of the aircraft flying over polar regions could be interrupted.
Select the correct answer using the code given below:
Options: (a) 1 only (b) 2 and 3 only (c) 1 and 3 only (d) 1, 2, 3, 4, 6 and 7*
Tap to know more about the answer. |
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Why in the News?
In a major move to fight cyber fraud and financial crime, the Department of Telecommunications (DoT) has launched the Financial Fraud Risk Indicator (FRI) as a part of the Digital Intelligence Platform (DIP).
Back2Basics: Digital Intelligence Platform (DIP)
- DIP is developed by the Department of Telecommunications (DoT) as a secure, integrated platform for real-time intelligence sharing.
- Stakeholders Involved: It connects Telecom Service Providers (TSPs), law enforcement agencies (LEAs), banks, financial institutions, social media platforms, and identity document issuers.
- Functionality: The platform contains information on telecom resource misuse and supports case tracking and coordinated action.
- Sanchar Saathi Integration: DIP acts as a backend system for citizen requests submitted through the Sanchar Saathi portal.
- Access Control: DIP is available only to authorized stakeholders via secure connections and is NOT accessible to public.
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What is the Financial Fraud Risk Indicator (FRI)?
- Purpose: FRI is a risk-based tool that flags mobile numbers as Medium, High, or Very High risk for financial fraud.
- Data Sources: It pulls inputs from the National Cybercrime Reporting Portal (NCRP), DoT’s Chakshu Platform, and banking institutions.
- Beneficiaries: Helps banks, NBFCs, and UPI service providers implement added security for high-risk numbers.
- How It Works:
- The Digital Intelligence Unit (DIU) shares a Mobile Number Revocation List (MNRL) with reasons like cybercrime, failed verification, or excess usage.
- The tool performs multi-dimensional analysis and assigns a fraud risk level.
- Risk status is shared in real-time via DIP, enabling early action before fraud occurs.
Case Study: PhonePe’s use of FRI System
- PhonePe was one of the first adopters of the FRI system.
- It uses FRI to:
- Block transactions linked to Very High-risk numbers.
- Display alerts using the PhonePe Protect feature.
- For Medium-risk numbers, PhonePe is working on showing proactive user warnings before transactions.
- The tool has proven highly accurate in identifying numbers involved in cyber fraud.
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| [UPSC 2021] Which one of the following effects of the creation of black money in India has been the main cause of worry to the Government of India?
Options: (a) Diversion of resources to the purchase of real estate and investment in luxury housing (b) Investment in unproductive activities and purchase of precious stones, jewelry, gold, etc. (c) Large donations to political parties and the growth of regionalism (d) Loss of revenue to the State Exchequer due to tax evasion* |
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