💥UPSC 2026, 2027, 2028 UAP Mentorship (March Batch) + Access XFactor Notes & Microthemes PDF
Talk to mentor

Civilsdaily

Login

Archives: News

  • RBI Notifications

    Priority Sector Lending (PSL)

    | Economics | Mains Paper 3: Indian Economy

    The RBI has released a revised priority sector lending guidelines to augment funding to segments including start-ups and agriculture.

    New Priority Sector Lending (PSL) guidelines

    • Bank finance of up to ₹50 crores to start-ups, loans to farmers both for installation of solar power plants for Solarization of grid-connected agriculture pumps and for setting up compressed biogas (CBG) plants have been included as fresh categories eligible for finance under the priority sector.
    • This has come to align it with emerging national priorities and bring a sharper focus on inclusive development, after having wide-ranging discussions with all stakeholders.
    • It will enable better credit penetration to credit deficient areas, increase the lending to small and marginal farmers and weaker sections, boost credit to renewable energy, and health infrastructure
    • The targets prescribed for ‘small and marginal farmers’ and ‘weaker sections’ are being increased in a phased manner.
    • Higher credit limit has been specified for farmer producer organisations (FPOs)/farmers producers companies (FPCs) undertaking farming with assured marketing of their produce at a pre-determined price.

    Back2Basics: Priority Sector Lending

    • PSL is an important role given by the (RBI) to the banks for providing a specified portion of the bank lending to few specific sectors like agriculture and allied activities, micro and small enterprises, poor people for housing, students for education and other low-income groups and weaker sections.
    • This is essentially meant for an all-round development of the economy as opposed to focusing only on the financial sector.
    • The broad categories of priority sector for all scheduled commercial banks are as under:
    1. Agriculture and Allied Activities (Direct and Indirect finance)
    2. Small Scale Industries (Direct and Indirect Finance)
    3. Small Business / Service Enterprises
    4. Micro Credit
    5. Education loans
    6. Housing loans

    Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024

    Attend Now

  • Health Sector – UHC, National Health Policy, Family Planning, Health Insurance, etc.

    What counts as ‘Act of God’?

    | Economics | Mains Paper 3: Indian Economy

    Amid disruptions caused by Covid-19, the Finance Minister has referred to an Act of God while businesses are looking at a legal provision, force majeure, to cut losses.

    Note the key differences between the Act of God and Force Majeure.

    Evoking “Act of God”

    • The force majeure or “Act of God” clause has its origins in the Napoleonic Code.
    • The finance ministry had issued an office memorandum inviting attention to the force majeure clause (FMC) in the 2017 Manual for Procurement of Goods issued by the Department of Expenditure.
    • It clarified that the pandemic should be considered a case of natural calamity and FMC may be invoked, wherever considered appropriate.

    What is a force majeure clause?

    • The law of contracts is built around a fundamental norm that the parties must perform the contract.
    • When a party fails to perform its part of the contract, the loss to the other party is made good.
    • However, the law carves out exceptions when the performance of the contract becomes impossible for the parties.
    • A force majeure clause is one such exception that releases the party of its obligations to an extent when events beyond their control take place and leave them unable to perform their part of the contract.
    • FMC is a clause that is present in most commercial contracts and is a carefully drafted legal arrangement in the event of a crisis.
    • When the clause is triggered, parties can decide to break from their obligations temporarily or permanently without necessarily breaching the contract.
    • Companies in such situations use the clause as a safe exit route, sometimes in opportunistic ways, without having to incur the penalty of breaching the contract.

    Difference between the two

    • Both concepts elicit the same consequences in law.
    • Generally, an “Act of God” is understood to include only natural unforeseen circumstances, whereas force majeure is wider in its ambit and includes both naturally occurring events and events that occur due to human intervention.

    What situations legally qualify for use of force majeure?

    • While some contracts have clauses with standard circumstances, some contracts would have specific circumstances that are more focused.
    • For example, a shipping contract would have a force majeure clause that could cover a natural disaster like a tsunami.
    • If an event is not described, then it is interpreted in a way that it falls in the same category of events that are described.
    • An FMC is negotiated by parties, and events that could potentially hamper the performance of the contract are catalogued.
    • It is not invoked just by expressing that an unforeseen event has occurred.
    • In case a contract does not have a force majeure clause, there are some protections in common law that can be invoked by parties.
    • For example, the Indian Contract Act, 1872 provides that a contract becomes void if it becomes impossible due to an event after the contract was signed that the party could not prevent.

    Global precedents dealing with COVID-19 pandemic

    • In China, where the Covid-19 outbreak originated, the Council for Promotion of International Trade is issuing force majeure certificates to businesses.
    • China’s Supreme People’s Court had recognised the 2002 SARS outbreak as a force majeure event.
    • Singapore enacted the Covid-19 (Temporary Measures) Act in April to provide relief to businesses that could not perform their contractual obligations due to the pandemic.
    • The Paris Commercial Court in July ruled that the pandemic could be equated to a force majeure event.
    • In the UK, the Financial Conduct Authority has brought in a test case before the High Court to look into business insurance contracts and interpret the standard wordings in such contracts.
    • The International Chamber of Commerce has developed a Model Code on the force majeure clause reflecting current international practice.

    Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024

    Attend Now

  • Wildlife Conservation Efforts

    What is Project Dolphin?

    Species | Enviro & Biodiversity | Mains Paper 3: Conservation, Environmental Pollution & Degradation, Eia

    In his Independence Day Speech this year, PM has announced the government’s plan to launch a Project Dolphin. The proposed project is aimed at saving both river and marine dolphins.

    Project Dolphin

    • The Project will be on the lines of Project Tiger, which has helped increase the tiger population.
    • So far, the National Mission for Clean Ganga (NMCG), which implements the government’s flagship scheme Namami Gange, has been taking some initiatives for saving dolphins.
    • Now, Project Dolphin is expected to be implemented by the Ministry of Environment, Forest and Climate Change.

    About Gangetic Dolphin

    • The Gangetic river system is home to a vast variety of aquatic life, including the Gangetic dolphin (Platanista gangetica).
    • It is one of five species of river dolphin found around the world.
    • It is found mainly in the Indian subcontinent, particularly in Ganga-Brahmaputra-Meghna and Karnaphuli-Sangu river systems.
    • An adult dolphin could weigh between 70 kg and 90 kg. The breeding season of the Gangetic dolphin extends from January to June.
    • They feed on several species of fishes, invertebrates etc.

    Why is it important to save dolphins?

    • The construction of dams and barrages and increasing pollution has led to a decline in the population of aquatic animals in the rivers in general and of dolphins in particular.
    • Aquatic life is an indicator of the health of river ecosystems.
    • As the Gangetic dolphin is at the top of the food chain, protecting the species and its habitat will ensure

    Aquatic life as an indicator of the health of a river system

    • Globally, there have been such examples. For instance, the Rhine Action Plan (1987) of the International Commission for the Protection of the Rhine (ICPR) brought back the salmon.
    • The return of the migratory fish is taken as an indicator of the river’s improved health.
    • Salmon used to migrate from the North Sea to the Rhine every year and reproduce, but this stopped when pollution increased in the river.
    • After a chemical accident in 1986 that caused the death of fish and microorganisms, the Action Plan was launched.
    • This led to an improvement in the quality of the river water, and the salmons began to return.

    What has been done to save Gangetic dolphins so far?

    • Although efforts to save them were started in the mid-1980s, the estimates suggest the numbers have not risen as a result.
    • The Gangetic dolphin remains listed as Endangered by the IUCN.
    • After the launch of Ganga Action Plan in 1985, the government on November 24, 1986, included Gangetic dolphins in the First Schedule of the Indian Wildlife (Protection), Act 1972.
    • This was aimed at checking hunting and providing conservation facilities such as wildlife sanctuaries. For instance, Vikramshila Ganges Dolphin Sanctuary was established in Bihar under this Act.

    Conservation so far

    • The government has prepared The Conservation Action Plan for the Ganges River Dolphin 2010-2020.
    • It identified threats to Gangetic Dolphins and impact of river traffic, irrigation canals and depletion of prey-base on Dolphins populations.
    • On October 5, 2009, the then PM declared the Gangetic river dolphin as the national aquatic animal.
    • A notification was issued by the MoEFCC the following year. Now, the National Mission for Clean Ganga celebrates October 5 as National Ganga River Dolphin Day.

    Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024

    Attend Now

  • Health Sector – UHC, National Health Policy, Family Planning, Health Insurance, etc.

    Vitamin-D Deficiency

    Prelims Only | Science Tech | Mains Paper 3: Awareness in various sc and tech fields

    The pandemic-induced lockdown has confined people to their houses for five months now. The resultant lack of sunlight, followed by rains, has brought down the vitamin D levels to the lowest.

    Try this PYQ from CSP 2014:

    Q.Consider the following pairs:

    Vitamin Deficiency:: Disease

    1. Vitamin C::Scurvy
    2. Vitamin D:: Rickets
    3. Vitamin E:: Night blindness

    Which of the pairs given above is/are correctly matched?

    (a) 1 and 2 only

    (b) 3 only

    (c) 1, 2 and 3

    (d) None

    What is Vitamin-D?

    • Vitamin D is an essential vitamin that has myriad positive effects on several systems in the body.
    • Unlike other vitamins, it functions like a hormone and every cell in your body has a receptor for it.
    • It is sparsely found in certain fatty fish and fortified dairy products, and it is extremely difficult to get the Recommended Daily Intake (RDI) of 600-800 IU from diet alone.

    There are two main forms of vitamin D in the diet:

    – Vitamin D2 (Ergocalciferol) — found in plant foods like mushrooms.
    – Vitamin D3 (Cholecalciferol) — found in animal foods like salmon, cod and egg yolks.

    Common signs and symptoms of the deficiency

    Vitamin D deficiency is incredibly common and most people are unaware of it, as the symptoms are subtle and nonspecific.

    – Getting sick or infected often with common cold and flu, because of a weak immune system.
    – Fatigue and tiredness
    – Bone and muscle pains
    – Depression
    – Impaired wound healing
    – Bone loss and osteoporosis

    Sources of Vit. D

    • Sunlight is the best natural source of vitamin D. Sunlight synthesizes cholesterol into Vitamin D3.
    • Usually, 20 to 30 minutes of sun exposure between 10 am and 3 pm is adequate to meet daily requirements, in places with minimum pollution levels.

    Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024

    Attend Now

  • Foreign Policy Watch: India-China

    Non-War Military Tactics used by China

    | International Relations | Mains Paper 2: Bilateral, Regional and Global Groupings and agreements involving India

    An annual report from the U.S. Department of Defense describes Chinese leaders’ use of tactics short of armed conflict to further the country’s objectives, citing border conflicts with India and Bhutan among the examples.

    Try this question:

    Q. What are Non-War Military Activities (NWMA)? Discuss how China is using NWMA as a tool for its overtly ambitious expansionist policy.

    Various non-war military tactics

    The report describes Non-War Military Activities (NWMA) as one of two kinds of military operations (the other is war) used by the PLA. NWMA can be conducted internationally or domestically and encompass activities in multiple domains.

    (1) Provoking armed conflict

    • China calibrates its coercive activities to fall below the threshold of provoking conflict with the United States, its allies and partners, or others in the Indo-Pacific region.
    • It can notably include operations in which the PLA uses coercive threats and/or violence below the level of armed conflict against states and other actors to safeguard its expansionism.
    • These tactics are particularly evident in China’s pursuit of its territorial and maritime claims in the South and East China Seas as well as along its border with India and Bhutan.

    (2) Neo-imperialist tools

    • China also employs non-military tools coercively, including economic tools during periods of political tensions with countries that China accuses of harming its national interests.
    • The Belt and Road Initiative is leading to a greater overseas military presence for China in the guise to protect its economic interests.

    (3) Multilateralism as a strategic messaging tool

    • The report says that China uses multilateral forums and international organisations to generate new opportunities to expand its influence, strengthen its political influence.
    • It promotes strategic messaging that portrays China as a responsible global actor, advances its development interests, and limit outside interference in and criticism of its initiatives.
    • The Brazil Russia India China South Africa (BRICS) grouping and Shanghai Cooperation Organization are among those cited as examples of this alleged phenomenon.

    Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024

    Attend Now

  • J&K – The issues around the state

    New Official Languages in J&K

    States | Polity | Mains Paper 2: Indian Constitution – historical underpinnings, evolution, features, amendments, significant provisions and basic structure

    The Union Cabinet has approved a Bill to introduce Hindi, Kashmiri and Dogri as official languages in Jammu and Kashmir, in addition to Urdu and English. As of now, the official language is Urdu and Kashmiri is recognised as a regional language.

    Try this PYQ:

    Q.Consider the following languages:

    1. Gujarati
    2. Kannada
    3. Telugu

    Which of the above has/have been declared as ‘Classical Language/ Languages’ by the Government?

    (a) 1 and 2 only

    (b) 3 only

    (c) 2 and 3 only

    (d) 1, 2 and 3

    Languages in J&K

    • In the undivided Jammu and Kashmir state, various ethnicities spoke Kashmiri, Pahari, Gojri, Ladakhi, Dogri, Balti and Punjabi as their mother tongues.
    • Urdu and Hindi had become a means for inter-community communication.
    • In 1889, Maharaja Pratap Singh, the third ruler of the Hindu Dogra dynasty, replaced Persian with Urdu as the court language.
    • It was an anomaly that the three languages — Dogri, Hindi and Kashmiri — which are spoken by nearly 70 per cent of the population of Jammu and Kashmir were not approved for use in official business.

    Official languages in India

    • Article 343 of the Indian constitution stated that the official language of the Union is Hindi in Devanagari script instead of the extant English.
    • Later, a constitutional amendment, The Official Languages Act, 1963, allowed for the continuation of English alongside Hindi in the Indian government indefinitely until legislation decides to change it.
    • The form of numerals to be used for the official purposes of the Union is “the international form of Indian numerals”, which are referred to as Arabic numerals in most English-speaking countries.
    • Despite the misconceptions, Hindi is not the national language of India; the Constitution of India does not give any language the status of the national language.
    • The Eighth Schedule of the Indian Constitution lists 22 languages, which have been referred to as scheduled languages and given recognition, status and official encouragement.

    Other classical languages

    • In addition, the Government of India has awarded the distinction of classical language to Kannada, Malayalam, Odia, Sanskrit, Tamil and Telugu.
    • Classical language status is given to languages which have a rich heritage and independent nature.

    Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024

    Attend Now

  • Gravitational Wave Observations

    Black Holes Merger

    Explained | Science Tech | Mains Paper 3: Awareness in various sc and tech fields

    Billions of years ago, a collision between two black holes sent gravitational waves rippling through the universe. In 2019, signals from these waves were detected at the gravitational wave observatory LIGO (United States) and the detector Virgo (Italy).

    Try this PYQ:

    Q.Recently, scientists observed the merger of giant ‘blackholes’ billions of light-years away from the Earth. What is the significance of this observation?

    (a) ‘Higgs boson particles’ were detected.

    (b) ‘Gravitational waves’ were detected.

    (c) Possibility of inter-galactic space travel through ‘wormhole’ was confirmed.

    (d) It enabled the scientists to understand ‘singularity’.

    Why in news?

    • The cause of curiosity is the mass of one of the parent black holes, which defies traditional knowledge of how black holes are formed.

    What exactly was detected?

    • It was a signal from a gravitational wave, a relatively new field of discovery.
    • Gravitational waves are invisible ripples that form when a star explodes in a supernova; when two big stars orbit each other; and when two black holes merge.
    • Travelling at the speed of light, gravitational waves squeeze and stretch anything in their path.

    Detecting gravitational waves

    • Gravitational waves were proposed by Albert Einstein in his General Theory of Relativity over a century ago.
    • It was only in 2015, however, that the first gravitational wave was actually detected — by LIGO. Since then, there have been a number of subsequent detections of gravitational waves.
    • The signal detected at LIGO and Virgo, as described by the LIGO Collaboration, resembled “about four short wiggles” and lasted less than one-tenth of a second.

    Where did it come from?

    • Subsequent analysis suggested that GW190521 had most likely been generated by a merger of two black holes. The signal likely represented the instance that the two merged.
    • It was calculated to have come from roughly 17 billion light-years away, and from a time when the universe was about half its age.

    Some questions to verify

    • The findings led to further questions.
    • One of the two merging black holes falls in an “intermediate-mass” range — a misfit that cannot be explained by traditional knowledge of how black holes form.

    Why is it unusual?

    • All the black holes observed so far belong to either of two categories.
    • One category ranges between a few solar masses (one solar mass is the mass of our Sun) and tens of solar masses. These are thought to form when massive stars die.
    • The other category is of supermassive black holes. This range from hundreds of thousands, to billions of times that of our sun.
    • According to traditional knowledge, stars that could give birth to black holes between 65 and 120 solar masses do not do so — stars in this range blow themselves apart when they die, without collapsing into a black hole.

    Observing for the first time

    • In the merger leading to the GW190521 signal, the larger black hole was of 85 solar masses —well within this unexpected range, known as the pair-instability mass gap.
    • It is the first “intermediate-mass” black hole ever observed. (In fact, the smaller black hole to is borderline, at 66 solar masses.)
    • The two merged to create a new black hole of about 142 solar masses. Energy equivalent to eight solar masses was released in the form of gravitational waves, leading to the strongest ever wave detected by scientists so far.

    Possible reasons for its formation

    • The researchers suggest that the 85-solar-mass black hole was not the product of a collapsing star, but was itself the result of a previous merger.
    • Formed by a collision between two black holes, it is likely that the new black hole then merged with the 66-solar-mass black hole — leading to gravitational waves and the signal received by LIGO and Virgo.

    Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024

    Attend Now

  • Interstate River Water Dispute

    Kalasa-Banduri Dam Project

    Prelims Only | Polity | Mains Paper 2: Federalism

    India is on the brink of an acute water crisis, which has, to an extent, fabricated a looming threat of trans-boundary water conflicts. The conflict on the Mandovi / Mahadayi River— flowing through Goa, Karnataka and Maharashtra— is one such example.

    Try this PYQ:

    What is common to the places known as Aliyar, Isapur and Kangsabati?

    (a) Recently discovered uranium deposits

    (b) Tropical rain forests

    (c) Underground cave systems

    (d) Water reservoirs

    Kalasa-Banduri Project

    • The project undertaken by the Karnataka government proposes to divert Mandovi river water from Kalasa and Banduri canals into the Malaprabha river in the state.
    • The project received clearance from the Centre in 2002. It aims to construct a total of 11 dams on the river Mandovi.
    • The diversion of water from Kalasa and Banduri nullahs, however, has been the point of contention between Karnataka and Goa, with the latter claiming it would strip the state of its flora and fauna.

    The conflict

    • The Mandovi originates from Karnataka’s Belgaum district.
    • The Mandovi river basin falls into the states of Goa, Karnataka and Maharashtra.
    • The river is 81 kilometres (km) in length; 35 km of which flows in Karnataka, 1 km in Maharashtra and 45 km in Goa.
    • The seeds of the conflict were sowed over 40 years ago: In 1985, Karnataka initially explored a 350 megawatt-hydro-electric project to divert 50 per cent of the Mandovi river water in Karnataka for irrigation.
    • The plan was also to allow a steady flow of water from the power project’s storage dam after using the water for irrigation purposes in Karnataka.
    • This would have served to drinking water and irrigation purposes in Goa as well.

    Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024

    Attend Now

  • Start-up Ecosystem In India

    [pib] NIDHI-EIR Programme

    PIB | Economics | Mains Paper 3: Issues relating growth and development, employment

    A brochure featuring Entrepreneurs in Residence (EIR) under the National Initiative for Developing and Harnessing Innovations (NIDHI) programme was launched by Dept. of Science and Technology (DST).

    Try this MCQ:

    Q.The NIDHI-EIR Programme sometimes seen in news functions under the:

    a)Ministry of Science & Technology

    b)Ministry of Commerce and Industry

    c)Ministry of Finance

    d)Ministry of Micro, Small and Medium Enterprises

    About NIDHI-EIR

    • DST has announced a National Initiative for Developing and Harnessing Innovations (NIDHI) is an umbrella programme for nurturing ideas and innovations into successful startups.
    • EIR programme is one of the programs introduced under NIDHI to inspire the best talents to be entrepreneurs, to minimise the risk involved in pursuing start-ups, and to partially set off their opportunity costs of high paying jobs.
    • It provides tremendous opportunities for innovative entrepreneurs to expand their networks and get critical feedback on their ventures in order to promote their entrepreneurial career goals and aspirations.

    The opportunities under NIDHI-EIR program include:

    • Guidance from experienced, innovative and highly successful entrepreneurs on the business concept, strategy or venture and insight into specific industries or markets.
    • Best practices for starting a business and broaden the professional network.
    • Co-working spaces for developing the idea into a marketable product.

    Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024

    Attend Now

  • Innovation Ecosystem in India

    [pib] Global Innovation Index 2020

    IOCR | Science Tech | Mains Paper 3: Awareness in various sc and tech fields

    India has climbed 4 spots and has been ranked 48thby the World Intellectual Property Organization (WIPO) in the Global Innovation Index 2020 rankings.

    Try this PYQ from CSP 2016:

    Q.India’s ranking in the ‘Ease of Doing Business Index’ is sometimes seen in the news. Which of the following has declared that ranking?

    a) Organization for Economic Cooperation and Development (OECD)

    b) World Economic Forum

    c) World Bank

    d) World Trade Organization (WTO)

    About the Global Innovation Index

    • The GII is an annual ranking of countries by their capacity for, and success in, innovation. It was started in 2007 by INSEAD and World Business a British magazine.
    • It is published by Cornell University, INSEAD, and the WIPO, in partnership with other organisations and institutions.
    • It is based on both subjective and objective data derived from several sources, including the International Telecommunication Union, the World Bank and the World Economic Forum.
    • The GII is commonly used by corporate and government officials to compare countries by their level of innovation.
    • The theme of the 2019 GII is Creating Healthy Lives – The Future of Medical Innovation, which aims to explore the role of medical innovation as it shapes the future of healthcare.

    Components of GII

    Five input pillars capture elements of the national economy that enable innovative activities under GII are:

    1. Institutions,
    2. Human capital and research,
    3. Infrastructure,
    4. Market sophistication, and
    5. Business sophistication.

    Two output pillars capture actual evidence of innovation outputs:

    1. Knowledge and technology outputs and
    2. Creative outputs

    India’s performance this year

    • In midst of the COVID -19 pandemic, it comes as uplifting news for India and is a testament of its robust R&D Ecosystem.
    • India was at the 52nd position in 2019 and was ranked 81st in the year 2015.
    • The WIPO had also accepted India as one of the leading innovation achievers of 2019 in the central and southern Asian region, as it has shown a consistent improvement in its innovation ranking for the last 5 years.

    Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024

    Attend Now

Join the Community

Join us across Social Media platforms.