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

Archives: News

  • Minority Issues – SC, ST, Dalits, OBC, Reservations, etc.

    Back in news: EWS quota law

    The Supreme Court has referred to a five-judge Constitution Bench a batch of petitions challenging the 103rd Constitution Amendment of 2019 that provides 10% reservation for Economically Backward Section (EWS).

    Try this question for mains:

    Q.What are the various constitutional challenges posed by the 103rd Constitutional Amendment Act?

    What does the reference mean?

    • A reference to a larger Bench means that the legal challenge is an important one.
    • As per Article 145(3) of the Constitution, “the minimum number of Judges who are to sit for the purpose of deciding any case involving a substantial question of law as to the interpretation of this Constitution” shall be five.
    • The Supreme Court rules of 2013 also say that writ petitions that allege a violation of fundamental rights will generally be heard by a bench of two judges unless it raises substantial questions of law.
    • In that case, a five-judge bench would hear the case.
    • Laws made by Parliament are presumed to be constitutional until proven otherwise in court.
    • The SC had refused to stay the 103rd Amendment. A reference will make no difference to the operation of the EWS quota.

    What is the 103rd amendment about?

    • It provides for 10% reservation in government jobs and educational institutions for EWS, by amending Articles 15 and 16 that deal with the fundamental right to equality.
    • While Article 15 prohibits discrimination on grounds of religion, race, caste, sex or place of birth, Article 16 guarantees equal opportunity in matters of public employment.
    • An additional clause was added to both provisions, giving Parliament the power to make special laws for EWS as it does for SCs, STs and OBCs.
    • The states are to notify who constitute EWS to be eligible for reservation.

    Issues with the law

    The SC agreed that the case involved at least three substantial questions of law, whether:

    • First, it violates the Basic Structure of the Constitution. This argument stems from the view that the special protections guaranteed to socially disadvantaged groups is part of the Basic Structure and that the 103rd Amendment departs from this by promising special protections on the sole basis of economic status.
    • Second, it violates the SC’s 1992 ruling in Indra Sawhney Case, which upheld the Mandal Report and capped reservations at 50%. In the ruling, the court held that economic backwardness cannot be the sole criterion for identifying backward class.
    • The third challenge has been of private, unaided educational institutions. They have argued that their fundamental right to practise a trade/profession is violated when the state compels them to implement its reservation policy and admit students on any criteria other than merit.

    What are the government’s arguments?

    • The Ministry of Social Justice and Empowerment filed counter-affidavits to defend the amendment.
    • When a law is challenged, the burden of proving it unconstitutional lies on the petitioners.
    • The government argued that under Article 46 of the Constitution, part of DPSP, it has a duty to protect the interests of economically weaker sections.

    1) The very identity of the Constitution has not been altered.

    2) Countering the claims about Indra Sawhney principle, the government relied on a 2008 ruling— Ashok Kumar Thakur v Union of India, in which the SC upheld the 27% quota for OBCs. Here, the court accepted that the definition of OBCs was not made on the sole criterion of caste but a mix of caste and economic factors, to prove that there need not a sole criterion for according reservation.

    3) For the unaided institutions, the government argued that the Constitution allows the Parliament to place “reasonable restrictions” on the right to carry on trade.

    B2BASICS

    What are the significances of the EWS quota?

    • Address economic inequality: Currently, the economically weaker sections of citizens have remained excluded from attending higher educational institutions and public employment due to their financial incapacity. Therefore, the 10% quota is progressive and could address the issues of educational and income inequality in India.
    • Constitutional recognition:The proposed reservation through a constitutional amendment would give constitutional recognition to the poor from the upper castes.
    • Remove stigma associated with Reservation: It will gradually remove the stigma associated with reservation because reservation has historically been related with caste and most often the upper caste look down upon those who come through the reservation.

    What are the challenges before the EWS quota?

    1.Eligibility criteria:

    • Critics claim that the 8 lakh income threshold is very high and will practically cover nearly all population not already covered by reservations.
    • Notably, NSSO and IT department data shows that at least 95% of Indian families will fall within this limit.
    • Other eligibility criteria have also claimed to be flawed.

    2.Sole economic criteria:

    • The Supreme Court in Indra Sawhney judgement has maintained that a backward class cannot be determined mainly with respect to the economic criterion.
    • Hence introducing reservation based on economic criteria would invite judicial scrutiny.

    3.50 percent limit:

    The SC has put a cap for reservations at 50% – the current proposal will exceed the limit and hence could be legally challenged.

    4.Determining economic backwardness:

    This is a  major challenge as there are concerns regarding the inclusion and exclusion of persons under the criteria.

    5.Enforcement:

    The implementation of the legislation would also be a great challenge since the states do not have the finances to enforce even the present and constitutionally mandated reservations.

    Shrinking jobs:

    When the government is trying to restrict its public services through the advancement of technology in the government system, providing quota in jobs will be a useless move.

    6.Encouraging reservations: 

    The intent of constitutional makers as originally manifested via Article 15 and 16 was to be reviewed after 10 years. However, instead of restricting the policy of positive discrimination, the government is pushing it in some or other forms.

    7.Populist initiative:

    When elections are near, many populists’ measures are put forward by political parties such as loan waiver, reservations, etc. Considering the low levels of political literacy and awareness among masses, political parties take leverage of the same thus impacting the socio-economic and political structure at large.

    8.Lack of proofs to back the outcomes:

    Even after years of reservation policy, there are no considerable pieces of evidence to support the achievements of the original intent of affirmative action. For instance, only about 4 percent each of rural Scheduled Tribe and Scheduled Caste households have a member in a government job.

    9.Lack of Level Playing Field:

    It has to be noted that the Upper ladder in the reserved category are mainly benefitted from the policy whereas the benefits do not reach the marginalized. It may also happen with respect to reservation based on economic criteria as well.

    What is the way forward?

    • One-time usage: Make sure that beneficiaries use their reserved category status only once in their lifetime. For example, a person shall not be allowed to use the reservation for jobs if he/she has already used it for college admissions. Aadhaar can be utilized for this purpose in order to prohibit the second usage.
    • Quality of education: The government should focus on quality in addition to access. For instance, it is no use to give reservation to the poor people in college admission if the quality of the education is low = they get no job. Hence, the quality of education should be given due attention from the primary school stage itself.
    • Vocational education: should be promoted with the necessary skills and knowledge to make them industry ready.
    • Entrepreneurship: Create a spirit of entrepreneurship and make them job giver instead of a job seeker.
    • Social upliftment measures: Alternative as well as effective social upliftment measures should be adopted instead of just focussing on reservation aspect.

     

  • RBI Notifications

    How are inflation rate and interest rate linked?

    The Monetary Policy Committee of the RBI has decided to keep the benchmark interest rates of the economy unchanged.

    Try this PYQ:

    Q.Which one of the following is not the most likely measures the Government/RBI takes to stop the slide of Indian rupee? (CSP 2019)

    (a) Curbing imports of non-essential goods and promoting exports

    (b) Encouraging Indian borrowers to issue rupee-denominated Masala Bonds

    (c) Easing conditions relating to external commercial borrowing

    (d) Following an expansionary monetary policy

    What is the link between growth, inflation and interest rates?

    • In a fast-growing economy, incomes go up quickly and more and more people have the money to buy the existing bunch of goods.
    • As more and more money chases the existing set of goods, prices of such goods rise.
    • In other words, inflation (which is nothing but the rate of increase in prices) spikes.

    How interest rates dominate?

    • To contain inflation, a country’s central bank typically increases the interest rates in the economy.
    • By doing so, it incentivizes people to spend less and save more because saving becomes more profitable as interest rates go up.
    • As more and more people choose to save, money is sucked out of the market and inflation rate moderates.

    What happens when growth rate decelerates or contracts?

    • When growth contracts or when its growth rate decelerates, people’s incomes also get hit.
    • As a result, less and less money is chasing the same quantity of goods.
    • These results in either the inflation rate decline.
    • In such situations, a central bank cuts down the interest rates so as to incentivise spending and by that route boost economic activity in the economy.
    • Lower interest rates imply that it is less profitable to keep one’s money in the bank or any similar saving instrument.
    • As a result, more and more money comes into the market, thus boosting growth and inflation.

    Why has RBI not raised interest rates this quarter?

    • RBI is facing an odd situation at present: GDP is contracting even as inflation is rising.
    • This is happening because the pandemic has reduced demand, on the one hand, and disrupted supply on the other.
    • As a result, both things are happening — falling growth and rising inflation.
    • It is true that for containing inflation, RBI should raise interest rates.
    • And under normal circumstances, it would have done just that. But raising interest rates at this stage would be catastrophic for India’s GDP growth.

    Risks of altering interest rates

    • If the RBI cuts the interest rate, it may be fuelling retail inflation further. It must be remembered that inflation hits the poor the hardest.
    • So, the RBI has chosen to do what many expected it to do: stay put and waits for another couple of months to figure out how growth and inflation are shaping up.

    Back2Basics: Monetary Policy Committee (MPC)

    • The RBI Act, 1934 (RBI Act) was amended by the Finance Act, 2016,  to provide for a statutory and institutionalized framework for an MPC, for maintaining price stability, while keeping in mind the objective of growth.
    • The MPC is entrusted with the task of fixing the benchmark policy rate (repo rate) required to contain inflation within the specified target level.
    • The meetings of the MPC are held at least 4 times a year and it publishes its decisions after each such meeting.
    • As per the provisions of the RBI Act, out of the six members of the committee, three members are from the RBI and the other three Members of MPC are appointed by the Central Government.
    • Governor of the RBI is ex officio Chairman of the committee.

    Economics | Monetary Policy Explained with Examples

  • International Space Agencies – Missions and Discoveries

    SN5 Starship by SpaceX

    SpaceX has successfully test-launched its “Mars ship”, a stainless steel test vehicle called SN5, and which is a part of the Starship spacecraft.

    Elon Musk’s aerospace company has been putting continuous wins on the board ever since it became the first privately funded group to put a payload in Earth orbit.

    What is Starship?

    • Designed by SpaceX, Starship is a spacecraft and super-heavy booster rocket meant to act as a reusable transportation system for crew and cargo to the Earth’s orbit, Moon and Mars.
    • SpaceX has described Starship as “the world’s most powerful launch vehicle” with an ability to carry over 100 metric tonnes to the Earth’s orbit.
    • Starship has been under development since 2012 and is a part of Space X’s central mission to make interplanetary travel accessible and affordable and to become the first private company to do so.

    So what all can Starship do?

    • SpaceX is planning its first cargo mission to the red planet by 2022 and by 2024, the company wants to fly four ships including two cargo and two crewed ones to Mars.
    • Once functional, the Starship spacecraft will enter Mars’ atmosphere at a speed of 7.5 km per second and will be designed to withstand multiple entries.
    • Starship is also expected to help carry large amounts of cargo to the Moon, for human spaceflight development and research.
    • Beyond the Moon, the spacecraft is being designed for carrying crew and cargo for interplanetary missions as well.

    A quest for reusability

    • Therefore, the company is working on building a fleet of reusable launch vehicles, capable of carrying humans to Mars and other destinations in the solar system.
    • Reusability is at the heart of making interplanetary travel accessible.
  • J&K – The issues around the state

    Appointment of new Lt. Governor of the UT of J&K

    A veteran politician has been appointed as Lieutenant Governor of the Union Territory of Jammu and Kashmir.

    Try this PYQ:

    Q.Which one of the following suggested that the Governor should be an eminent person from outside the State and should be a detached figure without intense political links or should not have taken part in politics in the recent past? (CSP 2019)

    (a) First Administrative Reforms Commission (1966)

    (b) Rajamannar Committee (1969)

    (c) Sarkaria Commission (1983)

    (d) National Commission to Review the Working of the Constitution (2000)

    Office of the Lt. Governor

    • A Lt. Governor is the constitutional head of the union territories in India.
    • She/he is appointed by the President of India for a term of five years and holds office at the President’s pleasure.
    • Since the union territories of Delhi, J&K and Puducherry have a measure of self-government with an elected legislature and council of ministers, the role of the lieutenant governor there is mostly a ceremonial one, akin to that of a state’s governor.
    • In Andaman and Nicobar Islands and Ladakh however, the lieutenant governor holds more power, being both the head of state and head of government.
    • The other three UTs—Chandigarh; Dadra and Nagar Haveli and Daman and Diu; and Lakshadweep—are governed by an administrator.

    Some related facts

    • Unlike the lieutenant governors of other territories, they are usually drawn from the IAS or IPS.
    • Lieutenant governors do not hold the same rank as a governor of a state in the list of precedence.
    • Since 1985 the Governor of Punjab has also been the ex-officio Administrator of Chandigarh.
  • [pib] Sahakar Cooptube NCDC Channel

    Union Minister of Agriculture & Farmers’ Welfare has launched the Sahakar Cooptube NCDC Channel, a new initiative by National Cooperative Development Corporation (NCDC).

    Note: Article 19 states that the Right to form co-operative societies is a Fundamental Right and DPSP Article 43-B provides for the promotion of co-operative societies.

    Sahakar Cooptube

    • The Sahakar Cooptube Channel aims to facilitate the involvement of the youth in the cooperative movement.
    • Cooperatives lend strength to farmers to minimize risks in agriculture and allied sectors and act as a shield against exploitation.
    • The channel will give a boost to Atmanirbhar Bharat Abhiyan under which the government has announced a series of transformative measures and sector-specific financial packages to help agriculture.
    • The initiatives are steps towards One Nation One Market with the objective for India to become a food factory of the world.

    Back2Basics: NCDC

    • The NCDC is a statutory Corporation set up under an Act of Parliament on 13 March 1963.
    • The objectives of NCDC are:

    planning and promoting programmes for production, processing, marketing, storage, export and import of agricultural produce, foodstuffs, industrial goods, livestock and certain other notified commodities and services on cooperative principles and for matters concerned therewith or incidental thereto

    • NCDC Act has been further amended which will broad-base the area of operation of the Corporation to assist different types of cooperatives and to expand its financial base.
    • NCDC will now be able to finance projects in the rural industrial cooperative sectors and for certain notified services in rural areas like water conservation, irrigation and micro-irrigation, agri-insurance, agro-credit, rural sanitation, animal health, etc.
  • Pharma Sector – Drug Pricing, NPPA, FDC, Generics, etc.

    Drug pricing and dependence on China

    Whether or not the drug pricing system in India resulted in the growing dependence on China for APIs is analysed in this article. 

    Incentives for domestic production of APIs

    • The department of pharmaceuticals (DoP) has recently notified the Production-Linked Incentive (PLI) scheme.
    • The scheme aims to encourage domestic production of 41 active pharmaceutical ingredients (APIs), key starting materials (KSMs) and drug intermediaries (DIs).
    • A Drug Security Committee constituted by the DoP had identified 53 APIs with high dependence on China.

    Did drug price control policy increase dependence on China?

    • India was self-reliant on APIs until the mid-1990s.
    • Liberalisation in import restrictions led to a gradual influx of APIs from China.
    • India had a more stringent price control policy before the 1990s.
    • If price control system were the culprit, India would not have been self-sufficient in APIs until the mid-1990s.
    • A cost-based price control system that existed until 2013 regulated the prices of both APIs and formulations.
    • The approach to price control shifted from a cost-based to a market-based one since 2013.
    • The new price control policy does not regulate the price of APIs.
    • New price control policy regulates the prices of formulations of those APIs, which figure in the National List of Essential Medicines (NLEM).
    • There are many APIs which do not fall under DPCO but are still imported in a significant way from China.

    Understanding the growing dependence on China from the past perspective

    • Even though India now has a less stringent drug price control policy, the dependence on Chinese imports has been growing.
    • The share of China in India’s total import of APIs has increased from 61% in 2011 to 69% in 2019.
    • The experience in India was that firms would tend to rely on imported APIs if they have an option.
    • The Hathi Committee (1975), which had looked into why Indian firms were not engaging in the production of APIs, found that the capital invested to turnover ratio of APIs was much lower as compared to formulations.
    • This ratio was 1:1 for APIs at best and 1:2.6 for formulations on average, and in some cases, as high as 1:7.2.
    • Subsequently, various measures were adopted.
    • The ‘ratio parameter’ mandatorily required the producers of formulations to produce a certain quantity of APIs.
    • It was the government interventions to overcome the market failure that resulted in India attaining self-sufficiency in APIs.

    Consider the question “What are the APIs? Examine the implications of India’s dependence on imports for API and suggest the measures to reduce such dependence.”

    Conclusion

    An enquiry into the causes of dependence on China needs to go much beyond price control policy and look into whether the state continued to play a proactive role during the post-1991 period to maintain an ecosystem to enhance the competence of Indian API industry.


    Source-

    https://www.financialexpress.com/opinion/drug-pricing-is-certainly-not-the-issue-in-growing-dependence-on-china/2046086/

  • Nuclear Diplomacy and Disarmament

    Issues with the nuclear deterrence

    On 6 August 1945 world witnessed the destructive potential of the nuclear weapons. Today’s nuclear weapons are several times more destructive than the one used there. This calls for the close scrutiny of the idea of the nuclear deterrence. This article dwells over the same issue.

    Context

    • While Hiroshima and Nagasaki have been the last two cities to be destroyed by nuclear weapons, we cannot be sure that they will be the last.
    • Since 1945, several countries have armed themselves with nuclear weapons that have much more destructive power in comparison to those that destroyed Hiroshima and Nagasaki.

    Vulnerability

    • Over 1,26,000 nuclear weapons have been built since the beginning of the atomic age.
    • There is no realistic way to protect ourselves against nuclear weapons.
    • The invention of ballistic missiles has made it impossible to intercept nuclear weapons once they are launched.
    • Neither fallout shelters nor ballistic missile defence systems have succeeded in negating this vulnerability.
    • Nuclear weapon states are targets of other nuclear-weapon states, but non-nuclear-weapon states are vulnerable as well.

    Idea of nuclear deterrence

    The idea of nuclear deterrence consists of following two proposition.

    • 1) That nuclear weapons are so destructive that no country would use them.
    • 2) Such use would invite retaliation in kind, and no political leader would be willing to risk the possible death of millions of their citizens.

    Issues with the idea of deterrence

    • 1) It is claimed that nuclear weapons do not just protect countries against use of nuclear weapons by others, but even prevent war and promote stability.
    • These claims do not hold up to evidence.
    • 2) The apparent efficacy of deterrence in some cases may have been due to the more credible prospect of retaliation with conventional weapons.
    • 3) Implicitly, however, all nuclear-weapon states have admitted to the possibility that deterrence could fail.
    • they have made plans for using nuclear weapons, in effect, preparing to fight nuclear war.
    • 4) The desire to believe in the perfect controllability and safety of nuclear weapons creates overconfidence, which is dangerous.
    • Overconfidence is more likely to lead to accidents and possibly to the use of nuclear weapons.

    So, what prevented the nuclear war if not deterrence?

    • While a comprehensive answer to this question will necessarily involve diverse and contingent factors, one essential element in key episodes is just plain luck.

    Consider the question “What are the problems involved in the idea of nuclear deterrence. Also, examine the factors responsible for the failure of nuclear disarmament.”

    Conclusion

    Humanity has luckily survived 75 years without experiencing nuclear war, can one expect luck to last indefinitely?

    Original articles:

    https://www.thehindu.com/opinion/op-ed/taking-nuclear-vulnerabilities-seriously/article32279584.ece

  • Economic Indicators and Various Reports On It- GDP, FD, EODB, WIR etc

    How to pay for the stimulus package

    The article addresses the issue of apprehensions over money financing. It also compares the option of borrowing from international institutions.

    Issues with public spending

    • Greater public spending will increase the fiscal deficit and this expansion has to be financed.
    • Theoretically, it can be financed by higher taxes.
    • But when the economy is in a recession, this option cannot be explored even though the balanced-budget multiplier is one.
    • When the multiplier is one, output expands by exactly the same amount as the increase in government spending.

    So, what are the options?

    There are two options

    1) Issuing debt to the public (Debt financing)

    2) Borrowing from the RBI (Money financing)

    Borrowing from World Bank and IMF?

    This borrowing has 4 issues with it-

    • 1) This borrowing will have to be paid back in hard currency.
    • This would involve India having to earn hard currency by stepping up exports.
    • If a stimulus of approximately 10% of the GDP is envisaged, with exports at 25% of the GDP, it would imply stepping up exports by close to 50%.
    • This would be a herculean task under present circumstances.
    • 2) There is the issue of conditionalities.
    •  It is not obvious what conditionalities will come along with the loan.
    • 3) The loan is bound to take some time to be negotiated, taxing the energies of a government that ought to be engaged in the day to day battle with COVID-19.
    • 4) The external debt is truly national which, arguably, government bonds held by the country’s private sector are not.

    Issues with money financing

    • The standard economic argument against money financing is that it is inflationary.
    • However, whether a fiscal expansion is inflationary or not is related more to the state of the economy than the medium of its financing.
    • When resources are unemployed, output may be expected to expand without inflation.

    Consider the question “Examine the issues with the money financing of the fiscal deficit.”

    Conclusion

    There is no reasoned case for denying ourselves the option of money financing to take us back to pre-COVID-19 levels of output and employment.

  • Modern Indian History-Events and Personalities

    Nagara Architecture of Ayodhya’s Ram Temple

    The grand temple at Rama Janmabhoomi in Ayodhya will follow the Nagara style of temple architecture.

    Note the various features of the Nagara and Vesara style of temple architecture from your basic references.

    What is Nagara style of temple architecture?

    The basic form of a Hindu temple contains the following architectural elements:

    1. Garbhagriha – the small room where the principal deity/deities of the temple reside
    2. Mandapa – the portico or hall at the entrance of the temple generally designed to house a large number of people
    3. Shikhara – the mountain like spire which can have different shapes from pyramidal to curvilinear
    4. Vahana – the mount of the main deity placed generally in line of sight from Garbhagriha
    • In this style, the temple is generally constructed on an upraised platform called Jagati.
    • Mandapas are present in front of the These are adorned with the Shikhara, the tallest one being above the Garbhagriha.
    • The shikhara over the mandapas in the pictures of the Ayodhya Ram temple can be seen having a square base, and a rectilinear outline.
    • This is called the phamsana-style shikhara. Note that the mandapa shikhara right at the entrance has an octagonal base.

    Similar to Khajuraho Temple

    • There are different types of Shikhara found in Indian temples.
    • A comparison with Khajuraho Vishwanath temple, also built in Nagara style, shows the similarity between the two.
    • Note that the main shikhara of the two are remarkably similar.
    • They rise upward in a curved pyramidal fashion, ending in a horizontal fluted disc called an Amalaka topped with a Kalasha. This is called the Latina-style shikhara.

    Note: This newscard is an excerpt from an original article published in Swarajya Magazine.


    Back2Basics: The Ramjanmabhoomi Case

  • Aadhaar Card Issues

    What is Parivar Pehchan Patra (PPP)?

    Haryana CM Manohar Khattar has distributed ‘Parivar Pehchan Patra’ to the eligible families and announced that welfare schemes of all departments would be linked with the PPP within the next three months.

    Practice question for mains:

    Q.What is Parivar Pehchan Patra (PPP) recently rolled out by Haryana Govt.? How it is beneficial compared to the Aadhaar?

    What is Parivar Pehchan Patra (PPP)?

    • It is an 8-digit Unique Identity Card number meant for each family to enable smooth and automatic delivery of several citizen-centric services.
    • The government will establish the scheme-wise eligibility of a particular family using this 8-digit code according to the information available in the PPP of the family.
    • The benefits, according to the schemes, shall automatically be transferred to the family using the same code.
    • PPP will ensure that not a single beneficiary is left out from the government benefits that they are entitled to.

    How is PPP different from the Aadhaar card?

    • The PPP, mathematically, is an integral number of Aadhaar.
    • While Aadhaar represents an individual as a unit, a PPP represents a family as a unit. Most of our government schemes are structured around the family.
    • It is not structured around an individual.
    • For example, ration eligibility is there for the family but the family can split it into various members as long as they are above 18 years and say they are separating entitlements for all individuals.

    Will it be mandatory for every family of Haryana to get PPP?

    • No, it will not be mandatory for every family of the state to obtain a PPP.
    • But, PPP is mandatory for families availing benefits under government schemes.
    • Also, whenever a family wants to avail any government scheme, it will have to first get a PPP to be eligible.

    The logic behind

    • Haryana officials said although there is a union government’s Aadhaar card, it contains individual’s details and does not cater to the entire family as a unit.
    • In certain circumstances, it may not be possible for a state government to keep track of all the families residing in the state.
    • Although the ration card system is there, it is not updated and does not contain adequate family records.
    • With the PPP, it will be easier for the state government to maintain a complete database of all the state dwellers.

    How would it work?

    • To begin with, the government has already linked PPP with three social security schemes – old age Samman allowance, divyang pension, and the widow and destitute women pension scheme.
    • For instance, when a family member turns 60, they will automatically get a message through the software and will automatically start getting benefits of the old-age pension if they meet the required criteria.
    • Similarly, the teenagers will get messages on turning 18 years old and shall become eligible for various government schemes that will be notified to them through the software.

Join the Community

Join us across Social Media platforms.