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  • eSARAS: Digital Marketplace for Women Self-Help Groups

    Why in News?

    The Government highlighted the growing impact of eSARAS, the official digital marketplace for products made by Women Self Help Groups (SHGs) under DAY-NRLM, as a key initiative promoting rural livelihoods, women entrepreneurship and Digital India.

    What is eSARAS?

    • eSARAS (SARAS Aajeevika) is the official e-commerce platform of the Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM).
    • Developed by the Ministry of Rural Development.
    • Provides women SHGs direct access to national online markets by eliminating intermediaries.
    • Supports marketing, branding, packaging and logistics.

    Key Features

    • Exclusive marketplace for SHG products.
    • Promotes One District One Product (ODOP) and traditional handicrafts.
    • Product categories include: Home & Living, Apparel & Accessories, Food Products, Personal Care, and Toys & Gifts
    • Integrated with ONDC (11+ buyer apps; 20+ crore potential buyers) and UMANG
    • Supported by eSARAS Mobile App, Fulfilment Centre, SARAS Aajeevika Gallery (New Delhi), and SARAS Shakti premium gift collection

    Key Statistics

    • 8.62 crore women SHG members have access to a digital storefront.
    • 85% linked directly to the Ministry of Rural Development network.
    • DAY-NRLM covers 7,627 blocks across India.
    • Supported by 1.51 crore community cadre members.
    • Over 800 handcrafted products listed on ONDC.

    Significance

    • Promotes women-led entrepreneurship.
    • Provides market access without intermediaries.
    • Preserves traditional crafts and cultural heritage.
    • Enhances rural incomes through digital commerce.
    • Supports Digital India, Atmanirbhar Bharat and inclusive rural development.
    • Encourages formalization of rural enterprises.

    About DAY-NRLM

    • Centrally Sponsored Scheme under the Ministry of Rural Development.
    • Aims to reduce rural poverty through: Women’s Self Help Groups, Financial inclusion, Skill development, and Sustainable livelihoods, and Enterprise promotion

    [2023] Consider the following statements:
    1. The Self-Help Group (SHG) programme was originally initiated by the State Bank of India by providing microcredit to the financially deprived.
    2. In an SHG, all members of a group take responsibility for a loan that an individual member takes.
    3. The Regional Rural Banks and Scheduled Commercial Banks support SHGs.
    How many of the above statements are correct?

    [A] Only one

    [B] Only two

    [C] All three

    [D] None

  • VB-G RAM G Act, 2025 Comes into Force

    Why in News?

    The Viksit Bharat – Guarantee for Rozgar and Aajeevika Mission (Gramin) [VB-G RAM G] Act, 2025 came into force across India on 1 July 2026, replacing and expanding the rural employment guarantee framework.

    What is VB-G RAM G?

    • A statutory rural employment guarantee programme aimed at strengthening livelihoods and creating durable rural assets.
    • Guarantees 125 days of wage employment annually to eligible rural households, replacing the earlier 100-day guarantee.
    • Focuses on Rural livelihood security, Natural resource conservation, Agricultural productivity, Women-led development, and Creation of durable community assets

    Key Features

    • Statutory guarantee: 125 days of wage employment.
    • Minimum daily wage: No notified wage below ₹300.
    • National average wage: Increased from ₹298.8 to ₹327.4 per day (over 10% increase).
    • Wage hikes of 15 to 25% in States such as Uttar Pradesh, Bihar, Jharkhand, West Bengal, Assam, Arunachal Pradesh and Himachal Pradesh.
    • Interim allocation: ₹95,692.31 crore released to States/UTs for implementation.

    Objectives

    • Enhance rural employment security.
    • Promote sustainable livelihood opportunities.
    • Strengthen climate-resilient and productive rural assets.
    • Improve agricultural productivity through resource conservation.
    • Increase women’s participation and economic empowerment.
    • Ensure transparent, technology-driven implementation.

    Implementation Measures

    • Launch of the VB-G RAM G software platform.
    • Distribution of Rural Employment Guarantee Cards.
    • Digital monitoring and timely wage payments.
    • Focus on outcome-based asset creation.

    [2021] With reference to casual workers employed in India, consider the following statements:
    1. All casual workers are entitled for Employees Provident Fund Coverage.
    2. All casual workers are entitled for regular working hours and overtime payment.
    3. The government can by a notification specify that an establishment or industry shall pay wages only through its bank account.
    Which of the above statement are correct?

    [A] 1 and 2 only

    [B] 2 and 3 only

    [C] 1 and 3 only

    [D] 1, 2 and 3

  • India’s First PinS Instrument Approach Procedure for Helicopter Operations

    Why in News?

    India has approved its first Private Point in Space (PinS) Instrument Approach Procedure for helicopter operations at Undavalli Heliport (Andhra Pradesh). The procedure was developed by the Airports Authority of India (AAI) and approved by the Directorate General of Civil Aviation (DGCA).

    What is PinS (Point in Space)?

    • A satellite based instrument approach procedure designed specifically for helicopters.
    • Enables helicopters to fly safely under Instrument Flight Rules (IFR) even when heliports lack conventional landing systems.
    • Uses GNSS/GAGAN enabled Performance Based Navigation (PBN) instead of ground based navigation aids.
    • Developed according to ICAO Standards and Recommended Practices (SARPs).

    How does PinS work?

    • Guides helicopters to a predefined Point in Space (PinS) using satellite navigation.
    • From the PinS point, the helicopter either lands visually if weather permits, or continues under instrument guidance where applicable.
    • Improves operations during poor visibility, rain, fog and difficult terrain.

    Significance

    • Enhances aviation safety and operational reliability.
    • Enables all weather helicopter connectivity.
    • Improves access to remote, hilly and strategically important locations.
    • Reduces dependence on expensive ground based navigation infrastructure.
    • Supports: Emergency Medical Services (EMS), Disaster relief operations, Char Dham and other pilgrimage services, Tourism, Offshore oil and gas operations, Corporate aviation, and Regional connectivity under UDAN.

    Instrument Flight Rules (IFR)

    • Flight operations conducted primarily using cockpit instruments rather than visual references.
    • Essential during poor weather and low visibility.

    Performance Based Navigation (PBN)

    • Navigation based on aircraft performance standards using satellite navigation.
    • Improves route efficiency, safety and fuel savings.

    GAGAN (GPS Aided GEO Augmented Navigation)

    • India’s Satellite Based Augmentation System (SBAS).
    • Developed jointly by ISRO and AAI.
    • Enhances the accuracy and integrity of GPS signals for civil aviation.

    [2025] GPS-Aided Geo Augmented Navigation (GAGAN) uses a system of ground stations to provide necessary augmentation. Which of the following statements is/are correct in respect of GAGAN?
    I. It is designed to provide additional accuracy and integrity.
    II. It will allow more uniform and high quality air traffic management.
    III. It will provide benefits only in aviation but not in other modes of transportation.
    Select the correct answer using the code given below.

    [A] I, II and III

    [B] II and III only

    [C] I only

    [D] I and II only

  • [1st July 2026] The Hindu OpED: Reimagining sovereign AI for India’s strategic future 

    Mentor’s Comment

    The United States government directed Anthropic to suspend foreign national access to its Fable 5 and Mythos 5 AI models on national security grounds, and is separately considering equity stakes in leading AI companies. At the same time, India lacks frontier AI capability of its own and must rely on foreign models to remain competitive. This dependence carries geopolitical risk that neither market competition nor inter-ministerial coordination alone can resolve.

    What explains the global turn toward sovereign AI policymaking, and why does India need a coordinated response?

    1. US export controls: The US suspended foreign national access to Anthropic’s Fable 5 and Mythos 5 models on national security grounds and created a voluntary mechanism for federal government access up to 30 days before trusted partners.
    2. Equity stake consideration: The US administration is considering taking equity stakes in leading AI firms to capture a share of the supernormal profits expected from the technology.
    3. Global pattern: Governments are increasingly shaping AI policy around national advantage rather than leaving diffusion purely to markets.
    4. India’s structural gap: India is a large IT services economy without its own frontier AI systems (Frontier AI: AI systems requiring upwards of ten septillion floating-point operations to train).
    5. Reason for urgency: Policy decisions made elsewhere increasingly determine the terms on which India can access frontier technology, making a coherent domestic response necessary now.

    Why is India’s AI policy discourse trapped in a false binary, and why must this framing be rejected?

    1. The dependence dilemma: India’s IT and app companies must use the best available foreign AI to remain competitive, yet this use deepens dependence on models built abroad.
    2. Sequencing logic: Using foreign AI today builds the economic surplus needed to depend on it less in future. Diffusion and dependence-reduction are sequential goals, not opposed ones.
    3. Limits of firm-level action: Firms can outcompete rivals using foreign AI. Firms cannot manage the geopolitical risks that accompany dependence on it. That risk-management role falls to public policy.
    4. False binary named: India’s discourse frames globalisation and industrial policy as mutually exclusive. Indian industry must benefit from both at the same time.
    5. Pharma precedent: Indian pharmaceutical manufacturing shows the limits of industrial policy alone. A Production-Linked Incentive (PLI: a government scheme offering incentives tied to incremental domestic manufacturing output) promoted domestic bulk drug production. India still sources 65% of critical ingredients from China, per NITI Aayog’s latest assessment.
    6. Implication: Industrial policy creates footholds. It does not create instant resilience. This sets the correct expectation for AI policy as well.

    What institutional architecture should India build to benefit from frontier AI without deepening strategic dependence?

    1. Scale of the gap: India spends 0.6% of GDP on research and development, of which the private sector accounts for a third. OpenAI alone projects $50 billion in compute spending this year, over six times India’s annual private R&D spend.
    2. Strategic implication: India cannot outspend frontier AI investment. India must instead deepen backward linkages to frontier AI while strengthening forward linkages for its own products and services.
    3. Whole-of-government approach: Ministries of external affairs, commerce, and information technology must coordinate closely. Coordination should extend to defence, energy, and telecom where relevant.
    4. Objective of coordination: The architecture secures continued access to frontier AI inputs. It simultaneously builds global market access for Indian AI-enabled products and services.

    Since coordination alone cannot manage geopolitical risk, what role must the state play in underwriting it?

    1. Limits of firm-level risk management: Firms can manage commercial risk through contracts and diversified supply chains. Firms cannot insure themselves against geopolitical risk or concentrated technological dependence.
    2. Sovereign risk-bearing role: Underwriting such risk is a function only the state can perform. Private capital cannot efficiently bear this risk alone.
    3. Export credit analogy: Export credit mechanisms insure firms against risks they cannot shoulder independently in international trade, offering a template for AI-related risk underwriting.
    4. Hybrid-annuity analogy: The Hybrid-Annuity Model (HAM: an infrastructure financing structure where the state funds part of a project and makes fixed payments over time) reduces the share of risk borne by private capital in long-gestation infrastructure. A comparable approach could apply to frontier AI dependence.

    What do the available global examples suggest about alternative sovereign AI strategies? 

    1. Europe: Shifted from a “regulate first, ask questions later” approach to investing directly in AI compute capacity and promoting “Buy European” public procurement to support its domestic AI industry.
    2. Argentina: Is positioning itself to attract AI investment by offering a regulatory safe harbour under an accommodative regulatory posture.

    Why must India’s technology industry itself close the competitiveness gap, and what does this reveal about the limits of policy alone?

    1. Government’s limits: Government action can create conditions for success. Competitiveness must ultimately come from firms themselves.
    2. Export benchmark: The Philippines generates $40 billion in IT exports, nearly a sixth of India’s IT exports, and is growing faster than the global industry.
    3. App market underperformance: No Indian app features among the top 10 globally by downloads, in-app purchase revenue, or monthly active users.
    4. Fragmented industry voice: Incumbent IT firms remain focused on visas and market access. Startups remain consumed by regulatory friction and fundraising. Both share a common interest in India’s continued connection to global AI ecosystems alongside growing domestic capability.
    5. Core stakes: The central contest in AI is not only over who builds the best models. It is over who captures the economic and strategic advantages the models create.

    Conclusion

    India’s AI strategy must reject the false choice between global integration and domestic capability building. The objective is to remain deeply integrated with global AI ecosystems while steadily reducing the strategic vulnerabilities such integration creates. This requires backward linkages secured through whole-of-government coordination, forward linkages built through competitive Indian products and services, and state-backed risk underwriting on the export-credit and hybrid-annuity model. Without matching ambition from industry itself, government action alone cannot close the gap.

  • The fiscal tightrope for State Governments

    Why in the News?

    Kerala and Tamil Nadu recently released White Papers describing their outstanding government debt as alarming. This has revived the debate on whether State debt reflects fiscal mismanagement or a structural mismatch between States’ welfare responsibilities and their limited fiscal capacity.

    Why do State governments face a persistent fiscal squeeze despite bearing the bulk of welfare spending?

    1. Vertical fiscal imbalance: The Union government holds the larger share of taxation powers. State governments bear a larger share of overall government spending. Vertical fiscal imbalance: mismatch between a government tier’s revenue powers and its expenditure responsibilities.
    2. Welfare-heavy State budgets: State spending is concentrated in health, education, agriculture, and irrigation. These sectors directly affect livelihoods.
    3. Kerala and Tamil Nadu’s social spending record: Per capita State social expenditure was 30% higher in Kerala and 20% higher in Tamil Nadu than the all-India average (2020-23). It was 35% lower in Bihar and 40% lower in Uttar Pradesh.
    4. Kerala’s own tax effort: Kerala’s per capita own-tax revenue was 1.5 times the national average, driven mainly by SGST and sales tax.
    5. Skewed devolution: Kerala received 1.92% of Union tax devolution in 2023-24. Its population share was 2.6%.
    6. Composition of Kerala’s expenditure: Salaries took up about a fifth of the budget, pensions 15.3%, and interest payments 16.5%. Only 10% of expenditure went to capital expenditure. Capital expenditure: spending that creates productive assets, as against revenue expenditure on salaries, pensions and subsidies.

    Does Kerala’s fiscal stress reflect mismanagement, or an unresolved conflict between protecting welfare gains and financing future growth?

    1. The retrenchment trap: Cutting pensions or retrenching employees would create fiscal space. It would also erode Kerala’s social sector strengths.
    2. The investment deficit: Kerala needs large-scale, State-directed investment in infrastructure, higher education, research, and public transport. This investment is necessary to compete in knowledge-intensive sectors.
    3. Outmigration of talent: Educated youth are leaving Kerala in large numbers. The State cannot create matching educational and employment opportunities.
    4. The affluence paradox: Kerala’s weak public fiscal capacity coexists with visible private affluence, large houses, expensive cars, and a high density of gold shops. This gap threatens to widen inequality.

    Is Kerala’s fiscal constraint a resource problem or an allocation problem?

    1. Low credit-deposit ratio: Kerala’s credit-deposit ratio was around 66% in 2023. The national average was 76%, and Maharashtra and Tamil Nadu exceeded 100%. Credit-deposit ratio: share of a bank’s deposits that it lends out as credit in the same region.
    2. Unutilised savings: Deposits in excess of credit disbursed in Kerala rose from ₹1,388 billion in 2016 to ₹1,906 billion in 2020 and ₹2,792 billion in 2026.
    3. Foregone investment: Kerala’s actual public investment stood at ₹1,134 billion. Potential additional investment financeable from this surplus stood at ₹1,404 billion.
    4. Doubling potential: Kerala’s capital expenditure could have at least doubled between 2016 and 2026 had surplus savings been channelled into investment.

    What does China’s local government financing model reveal about the limits of India’s system?

    1. China-local government bonds (LGBs): Chinese provinces and lower-level governments finance the bulk of investment-led growth through local government bonds. These draw on large domestic bank savings.
    2. China-local government financing vehicles (LGFVs): Off-budget borrowing through LGFVs supplements fiscal transfers. LGFV: an entity set up by a local government to raise off-budget debt for infrastructure projects.
    3. China-centrally coordinated planning: Local borrowing and investment are coordinated through central government planning, keeping decentralised borrowing aligned with national goals.
    4. China-low cost of local borrowing: Chinese local governments borrow from their banking system at around 2%.
    5. India-costlier State Development Loans (SDLs): Indian States pay 6.5% to 7.5% interest on SDLs. SDL: a market security issued by State governments to raise loans. This rate is 0.25 to 0.75 percentage points higher than the Union government’s borrowing rate.

    Should State debt be treated as a liability or as an investment in citizens?

    1. Domestic ownership of debt: State and Union bonds are largely held by domestic commercial banks and insurance companies.
    2. Debt as debt to own people: These institutions channel citizens’ savings into government bonds. The government’s debt is effectively owed to its own people, not external creditors.
    3. Welfare-expanding borrowing: A government that borrows to expand welfare and opportunity serves a larger public purpose than a tight-fisted government.
    4. The reform gap: No fiscal structure currently allows State governments to access domestic savings easily and cheaply for planned development projects.

    Conclusion

    State government debt is not primarily a symptom of profligacy. It reflects a structural mismatch between the Union’s concentration of taxation powers and States’ disproportionate share of welfare and development spending. India worsens this mismatch, unlike China, by failing to channel abundant domestic savings into cheaper, State-directed investment. Fiscal reform must lower the cost and ease the terms of State borrowing, not merely discipline State expenditure.

    PYQ Relevance

    [UPSC 2015] Though the federal principle is dominant in our Constitution and that principle is one of its basic features, it is equally true that federalism under the Indian Constitution leans in favour of a strong Centre. Discuss.

    Linkage: It examines the constitutional design of Indian federalism, including financial powers and Centre-State fiscal relations. The article argues that States bear major expenditure responsibilities but have limited revenue and borrowing autonomy, highlighting the fiscal imbalance within India’s federal structure.

  • India seeks clarity as ‘tipping points’ rock Bonn climate talks

    Why in the News?

    At the Bonn climate talks held in Germany from June 8-18, India urged caution and clarity in defining and using the term “tipping points.” The European Union termed this call “coordinated misinformation” and “obstruction,” exposing a clash between scientific caution and political urgency in climate negotiations. This dispute surfaced unresolved definitional uncertainty at the core of a term now central to global climate diplomacy.

    Why is it difficult to define and project climate tipping points despite their significance?

    1. Threshold definition: A tipping point is a threshold beyond which part of the earth’s climate system shifts into a new state.
    2. Self-reinforcing feedback: Crossed thresholds trigger changes that resist reversal on human timescales even after the original cause is removed. Arctic sea ice melt exposes dark ocean that absorbs more heat, driving further melting.
    3. Non-linear behaviour: Tipping points do not track the pace of greenhouse gas accumulation. Small temperature increases can trigger large, self-amplifying feedback loops.
    4. Range of known thresholds: Identified tipping points include Amazon rainforest dieback into savannah, Atlantic Meridional Overturning Circulation (AMOC: ocean current system redistributing heat between the Atlantic’s north and south) collapse, coral reef mass-bleaching, monsoon shifts over India and West Africa, and Greenland ice sheet disintegration.
    5. Projection constraint: Reliable projection is limited by both the complexity of the climate system and uncertainty in input data.
    6. Retrospective identification: Tipping points can be confirmed with confidence mainly through post-facto historical analysis, not predicted reliably in advance.

    Does the tipping points framework help or hinder climate policymaking?

    1. Communicator divide: Climate communicators disagree on the framework’s value. Some treat tipping points as a catalyst for urgent action. Others argue their inherent uncertainty undermines their use in policymaking.
    2. Lived disasters are more persuasive: Directly experienced disasters, such as extreme rainfall or heatwaves, are often more effective than tipping points at raising public awareness and driving climate action.
    3. Disproportionate risk: The risks tipping points carry exceed those of routine climate disasters. This raises unresolved questions about how societies adapt once a threshold is breached.
    4. Positive tipping points exist: Social tipping points can also work in favour of climate goals. Renewable energy adoption is expected to become self-sustaining once it crosses a critical adoption level.

    Why do scientists struggle to project when specific tipping points, such as Atlantic Meridional Overturning Circulation (AMOC) collapse or Amazon dieback, will occur?

    1. AMOC uncertainty: Scientists cannot reliably project when the AMOC will collapse. A Science Advances study found it could slow by 51% rather than collapse outright by 2100 under a medium-emissions scenario.
    2. Model-dependent findings: This projection ranks the credibility of competing model outputs rather than forecasting a single outcome. Uncertainty is embedded in the underlying data and cannot be removed by collecting more data.
    3. Amazon complexity understated: Projections of Amazon dieback based on climate data alone miss the effects of cattle-ranching and deforestation, understating the risk of a shift to savannah.
    4. Human stakes ignored: The Amazon rainforest’s fate is tied to millions of tribal and urban residents and numerous artisanal enterprises, making projection errors socially consequential.
    5. Abruptness contested: Some scientists dispute that tipping points are abrupt. Ice sheets can deplete over thousands of years, a timescale far from abrupt for human observers.

    Why is the popular belief that 1.5°C marks a tipping point scientifically incorrect, and why does this matter for climate negotiations?

    1. Popular misconception: A common but incorrect belief holds that 1.5°C of surface warming is itself a tipping point. Research published in 2019 found this confusion persists even among climate negotiators.
    2. Political origin of the number: Negotiators adopted 1.5°C and 2°C as political targets at the 2015 COP21 talks, based on evidence that warming beyond these levels increasingly disrupts the climate.
    3. Targets are not thresholds: These temperature goals are political targets, not tipping points in themselves.
    4. Stakes of the confusion: Conflating a political target with a scientific threshold weakens the precision needed to communicate real tipping point risks during negotiations.

    Why did India’s call for definitional caution at the Bonn talks get labelled misinformation by the European Union?

    1. India’s position: India argued at Bonn that the term “tipping point” carries “definitional challenges” and urged care in its use.
    2. EU’s response: The European Union characterised this caution as “coordinated misinformation” and “obstruction.”
    3. Independent scientific validation: India’s position mirrors concerns already acknowledged in independent research and state-led efforts, including a U.K. Meteorological Office project on building consensus on tipping point terminology.
    4. Documented barrier: A project document from this effort states that unclear and inconsistent terminology for concepts such as tipping points, irreversibility, collapse, and shutdown presents a substantial barrier to understanding earth system risks.

    What are the risks of miscommunicating tipping points, and what should climate discourse guard against?

    1. Trust through honesty: Scientists and communicators broadly agree that clearly communicating scientific uncertainty builds trust rather than eroding it.
    2. Symmetrical credibility risk: Both false alarm and false hope damage credibility when a projection or forecast fails to materialise.
    3. Risk over certainty: The risk implicit in tipping points, rather than certainty about their timing, is significant enough to warrant action.
    4. Framework criticised: A 2025 Nature Climate Change article by researchers from Canada, the U.K., and the U.S. criticised the tipping points framework for oversimplifying complex natural and human system dynamics and for conveying urgency without a meaningful basis for climate action.
    5. No threshold for doomism: The same researchers noted climate change is already causing demonstrable harm, and that no specific temperature increment marks a boundary between the current dangerous climate and a future catastrophic one, leaving no justification for either doomism or paralysis.

    Conclusion

    Definitional ambiguity around “tipping points” is a genuine and internationally acknowledged scientific challenge, not evidence of misinformation. The greater risk lies not in questioning terminology but in conflating scientific uncertainty with either false alarm or paralysis. Climate negotiations need clearer, consensus-based terminology to preserve scientific credibility without diluting the urgency of climate action.

    PYQ Relevance

    [UPSC 2021] Describe the major outcomes of the 26th session of the Conference of the Parties (COP) to the United Nations Framework Convention on Climate Change (UNFCCC). What are the commitments made by India in this conference?

    Linkage: The question examines the functioning of the UNFCCC climate negotiation process and India’s negotiating position in global climate governance. The article discusses India’s intervention at the Bonn Climate Conference under the UNFCCC, where it sought greater clarity on the scientific and policy use of “climate tipping points”.

  • Low Gram Sabha Turnout: NIRDPR Study

    Why in News?

    A National Institute of Rural Development & Panchayati Raj (NIRDPR) study, commissioned by the Ministry of Panchayati Raj, identified the major reasons behind low participation in Gram Sabha meetings.

    Key Findings

    • Survey covered 7,790 respondents across 400 Gram Panchayats, 213 districts, and 26 States/UTs.
    • 47% attended only 1 or 2 Gram Sabha meetings in the previous year.
    • 94% were aware of Gram Sabha meetings.
    • 83% knew they had participation rights.
    • Only 59% understood quorum and procedural rules.

    Major Reasons for Low Turnout

    • Livelihood/work constraints (55%) especially among daily wage labourers and migrants.
    • Participation fatigue due to repeated meetings without visible outcomes.
    • Lack of transparency (45%).
    • No visible outcomes (42%).
    • Repetitive/formal meetings (33%).
    • Trust deficit (33%).
    • Political interference (28%).
    • Weak grievance redressal (16%).

    About Gram Sabha

    • Defined under Article 243A and the 73rd Constitutional Amendment Act, 1992.
    • It comprises all registered voters in a village or group of villages within a Gram Panchayat.
    • It is the foundation of Panchayati Raj and promotes direct democracy.
    • Functions include:
      • Approving local development plans.
      • Identifying beneficiaries of government schemes.
      • Exercising social audit and ensuring accountability of the Gram Panchayat.

    Significance

    • Strengthens grassroots democracy.
    • Enhances citizen participation in local governance.
    • Promotes transparency, accountability and social justice.
    • Supports decentralized planning and implementation.

    [2017] Local self-government can be best explained as an exercise in

    a) Federalism

    b) Democratic decentralization

    c) Administrative delegation

    d) Direct democracy

  • India Adds 709 New Species to Its Biodiversity Database

    Why in News?

    India added 709 new species to its faunal database and 353 plant taxa in 2025, reaffirming its status as one of the world’s mega-diverse countries.

    Faunal Discoveries

    • 709 additions: 483 species new to science. 226 species recorded for the first time in India.
    • Total recorded fauna: 1,05,953 species.
    • Top States: Kerala (98), West Bengal (76), Karnataka (67), and Arunachal Pradesh (65)
    • Major Groups: Hymenoptera (106), Lepidoptera (65), Diptera (64), Arachnida (64), Coleoptera (55), and Pisces (50)
    • Notable Discoveries
      • Myotis himalaicus (Himalayan bat)
      • Ptyctolaemus mamdaphaensis & P. siangensis (green fan-throated lizards)
      • Lycodon irwini (Irwin’s wolf snake)

    Floral Discoveries

    • 353 plant taxa added: 221 new to science. 132 new distributional records.
    • Top States: Arunachal Pradesh (49), Uttarakhand (39), and Kerala (37)
    • Composition: Angiosperms: 154, Pteridophytes: 3, Bryophytes: 13, Lichens: 62, Fungi: 93, Algae: 22, Microbes: 6
    • Notable Discoveries
      • Polystichum siangense (fern)
      • Miliusa beddomei (custard apple relative)
      • Hericium indicum (edible tooth fungus)

    [2022] With reference to “Gucchi” sometimes mentioned in the news, consider the following statements:
    1. It is a fungus.
    2. It grows in some Himalayan Forest areas.
    3. It is commercially cultivated in the Himalayan foothills of north-eastern India.
    Which of the statements given above is/are correct?

    [A] 1 only

    [B] 3 only

    [C] 1 and 2

    [D] 2 and 3

  • Academic Bank of Credits (ABC) & APAAR

    Why in News?

    The UGC mandated all Higher Education Institutions (HEIs) to upload students’ academic credits to the Academic Bank of Credits (ABC) portal by 30 June 2026, highlighting the progress of ABC and APAAR under NEP 2020.

    Academic Bank of Credits (ABC)

    • A digital repository of academic credits established by the Ministry of Education and regulated by the UGC.
    • Enables students to store, transfer and redeem academic credits earned from recognised institutions.
    • Supports multiple entry and exit, credit mobility and lifelong learning under NEP 2020.

    APAAR (Automated Permanent Academic Account Registry)

    • A unique 12 digit student ID under the One Nation, One Student ID initiative.
    • Linked with Aadhaar, DigiLocker and the ABC system.
    • Stores academic records from school, higher education and skill education.
    • 26.3 crore verified APAAR IDs generated (June 2026).

    How ABC Works

    • Students receive an ABC/APAAR ID.
    • HEIs upload credits directly to the ABC portal.
    • Credits can be transferred across institutions.
    • Credits remain valid for 7 years (or as prescribed).
    • Certificates are issued through the National Academic Depository (NAD).

    Key Features

    • Credit transfer across institutions.
    • Multiple Entry and Exit (MEE): Certificate: 1 year, Diploma: 2 years, Degree: 3 or 4 years
    • Up to 40% credits can be earned through SWAYAM.
    • Aligned with the National Credit Framework (NCrF).
    • Secure digital records through NAD-DigiLocker integration.

    Digital Public Infrastructure (DPI)

    • Part of Digital India.
    • Supported by: DigiLocker, NAD, CSCs, SAMARTH ERP
    • Future integration with Bharat Praman Chain (India’s sovereign blockchain platform) for tamper-proof academic credentials.

    [2022] Consider the following:
    1. Aarogya Setu
    2. COWIN
    3. DigiLocker
    4. DIKSHA
    Which of the above are built on to open-source digital platforms?

    [A] 1 and 2 only

    [B] 2, 3 and 4 only

    [C] 1, 3 and 4 only

    [D] 1, 2, 3 and 4

  • Nine Years of GST (2017 to 2026)

    Why in News?

    India completed 9 years of GST on 1 July 2026. The government highlighted the impact of GST 2.0 (2025 reforms) in simplifying taxation and improving compliance.

    GST at a Glance

    • Introduced on 1 July 2017 under the 101st Constitutional Amendment Act, 2016.
    • Destination based tax on the supply of goods and services.
    • Replaced 17 taxes and 13 cesses under the One Nation, One Tax framework.

    Constitutional Provisions

    • Article 246A: Power to levy GST.
    • Article 269A: IGST on inter-State supplies.
    • Article 279A: GST Council.

    GST Council

    • Constitutional body promoting cooperative federalism.
    • Chaired by the Union Finance Minister.
    • Recommends tax rates, exemptions and GST policies.

    GST 2.0 (2025)

    • Simplified rate structure with 5% and 18% as primary slabs.
    • 40% GST on luxury and sin goods.
    • Faster registration, refunds and simplified return filing.

    MSME Support

    • Registration threshold increased to ₹40 lakh.
    • Composition Scheme limit raised to ₹1.5 crore.
    • QRMP Scheme for taxpayers with turnover up to ₹5 crore.

    Digital Reforms

    • GSTN, e-Invoicing and AI-driven analytics.
    • Automated ITC matching and pre-filled returns.
    • Better compliance and fraud detection.

    Performance

    • GST taxpayers: 66.5 lakh (2017) → 1.65 crore (May 2026).
    • GST collections: ₹7.4 lakh crore (2017-18) → ₹22.27 lakh crore (2025-26).

    [2017] What is/are the most likely advantages of implementing ‘Goods and Services Tax (GST)’?
    1. It will replace multiple taxes collected by multiple authorities and will thus create a single market in India.
    2. It will drastically reduce the ‘Current Account Deficit’ of India and will enable it to increase its foreign exchange reserves.
    3. It will enormously increase the growth and size of economy of India and will enable it to overtake China in the near future.
    Select the correct answer using the code given below:

    [A] 1 only

    [B] 2 and 3 only

    [C] 1 and 3 only

    [D] 1, 2 and 3