💥UPSC 2026, 2027 UAP Mentorship November Batch
November 2025
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Launch of Bima Sugam Portal

Why in the News?

Bima Sugam, envisioned as the world’s largest online marketplace for insurance, was officially launched by the Bima Sugam India Federation (BSIF) at the IRDAI headquarters in Hyderabad.

What is Bima Sugam?

  • Overview: World’s largest unified digital marketplace for insurance products and services, initiated by the Insurance Regulatory and Development Authority of India (IRDAI).
  • Coverage: Includes life, health, motor, travel, property, agricultural, and commercial insurance.
  • Function: Works like Unified Payments Interface (UPI) for insurance, providing common infrastructure for purchase, renewal, management, and claims.
  • Stakeholders: Brings together insurers, intermediaries, agents, brokers, banks, and customers on a single platform.
  • Governance: Operated by the Bima Sugam India Federation (BSIF) with equity participation from insurance companies.
  • Policy Goal: Forms part of India’s Digital Public Infrastructure (DPI), aligned with the vision of Insurance for All by 2047.
  • Working:  The simplified way for a user on the platform would be as follows:
    • Registration: A person can register using Aadhaar-based KYC or other valid ID.
    • e-Bima Account Creation: A secure, integrated insurance repository has been created.
    • Policy search and comparison: Products from all registered insurance companies are listed with standardized information for easy comparison.
    • Purchase: Policies can be purchased digitally with instant e-documentation and secure payments.
    • Service: Policyholders can renew, update, port, or cancel policies and receive real-time assistance.
    • Claims: Users can submit claims and track the process; insurance companies and TPAs will use backend access for faster verification and settlement.

Key Features:

  • Phased Rollout: Begins as an information and guidance hub; full transactions enabled gradually.
  • Low-Cost Model: Minimal user charges, unlike private aggregators that rely on high commissions.
  • Centralised Database: Enables policy comparison, customer query resolution, and faster product adoption.
  • Secure Digital Storage: Provides safe policy storage with robust security and compliance standards.
  • Inclusive Ecosystem: All insurers mandated as members, ensuring transparency and fair access.
[UPSC 2014] With reference to “Aam Admi Bima Yojana”. Consider the following statements:

1. The member insured under the scheme must be the head of the family or earning member of the family in a rural landless household.

2. The member insured must be in the age group of 30 to 65 years.

3. There is a provision for free scholarship for up to two children of the insured who are studying between classes 9 and 12.

Which of the statements given above is/are correct?

Options: (a) 1 only (b) 2 and 3 only (c) 1 and 3 only* (d) 1, 2 and 3

 

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WTO and India

WTO Agreement on Fisheries Subsidies

Why in the News?

The World Trade Organization (WTO) Agreement on Fisheries Subsidies has entered into force on 15 September 2025, three years after adoption in June 2022.

What is the WTO Agreement on Fisheries Subsidies?

  • Nature: First WTO treaty centred on environmental sustainability, designed to reduce harmful subsidies that drive illegal, unreported, and unregulated (IUU) fishing and overfishing.
  • Core Prohibitions:
    • Subsidies for IUU fishing vessels or operators.
    • Subsidies for fishing in overfished stocks, unless linked to recovery plans.
    • Subsidies for high-seas fishing in areas outside coastal state jurisdiction or Regional Fisheries Management Organizations.
  • Transparency: Members must provide detailed reports on fish stocks, fleets, catch volumes, and subsidies.
  • Transition Period: Two years allowed for developing countries and least developed countries before full implementation.
  • Phased Approach: Called “Fish One”, to be followed by “Fish Two” covering overcapacity and fleet subsidies.
  • Global Significance: Contributes to Sustainable Development Goal 14.6, which seeks elimination of harmful subsidies to protect global fish stocks.

India and this Agreement: 

  • Position: India welcomed the treaty, noting it is one of the lowest fisheries subsidizers despite its large fishing community.
  • Equity Argument: Urged that historic subsidizers and industrial fishing nations take greater obligations, based on polluter pays principle and common but differentiated responsibilities (CBDR).
  • Sector Context: India’s fisheries are dominated by millions of small-scale, traditional fishers dependent on coastal resources, requiring fair treatment.
  • Benefits for India:
    • Curbing IUU fishing by foreign industrial fleets, protecting coastal livelihoods.
    • Allowing space for stock-rebuilding subsidies tied to sustainability.
    • Ensuring fair competition for Indian traditional fishers in global trade.
[UPSC 2015] The terms ‘Agreement on Agriculture’, ‘Agreement on the application of Sanitary and Phytosanitary Measures’ and ‘Peace Clause’ appear in the news frequently in the context of the affairs of the

Options: (a) Food and Agricultural Organization (b) United Nations Framework Conference on Climate Change (c) World Trade Organization* (d) United Nations Environment Programme

 

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Water Management – Institutional Reforms, Conservation Efforts, etc.

In news: Almatti Dam

Why in the News?

Karnataka govt. has approved Upper Krishna Project Phase-III to raise Almatti dam height, while Maharashtra warned of moving the Supreme Court against it.

Why is Maharashtra opposing it?

  • Fears submergence of villages and agricultural land in its territory if water levels rise further.
  • Worries about reduced water availability downstream, affecting its irrigation and drinking water projects.

About Almatti Dam:

  • Overview: It is a hydroelectric and irrigation project built on the Krishna River in North Karnataka.
  • Completion: July 2005, as part of the Upper Krishna Irrigation Project (UKP).
  • Dimensions: Height 52.5 m, length 3.5 km.
  • Power Generation: A 290 MW station using vertical Kaplan turbines (five of 55 MW and one of 15 MW).
  • Two separate powerhouses: Almatti I and II generate power before releasing water into the Narayanpur Reservoir.
  • Functions: Provides irrigation, potable water, hydroelectric power, and helps in flood management.

Back2Basics: Krishna River

In news: Almatti Dam

  • Origin: Near Mahabaleshwar (Satara, Maharashtra), in the Western Ghats.
  • Length: ~1,300 km, second-longest river in peninsular India after Godavari.
  • Course: Flows through Maharashtra (303 km), Karnataka (480 km), Telangana, and Andhra Pradesh, before emptying into the Bay of Bengal.
  • Major Tributaries:
    • Right-bank: Ghatprabha, Malprabha, Tungabhadra.
    • Left-bank: Bhima, Musi, Munneru.
  • Hydropower & Irrigation Projects: Includes Koyna, Tungabhadra, Srisailam, Nagarjuna Sagar, Almatti, Narayanpur, Bhadra.

 

[UPSC 2005] The Almatti Dam is on the river:

Options: (a) Godavari (b) Cauvery (c) Krishna* (d) Mahanadi

 

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Modern Indian History-Events and Personalities

In news: Malabar Revolt (1921)

Why in the News?

This newscard is an excerpt from the original articles published in The Hindu.

About the Malabar Revolt:

  • Nature: Also known as the Moplah or Mappila Rebellion, it was a major uprising in the Malabar region of Kerala.
  • Causes:
    • Exploitative land tenure policies and high rents on tenant farmers.
    • Lack of tenure security and arbitrary evictions by Hindu Jenmi landlords.
    • A tradition of smaller Moplah uprisings since the 19th century.
  • Immediate trigger: British attempts to arrest Khilafat leaders in Eranad and Valluvanad during the Khilafat and Non-Cooperation Movements.
  • Character: Combined anti-colonial resistance, agrarian unrest, and communal violence, making it one of the most complex uprisings of the freedom struggle.
  • Beginning: Revolt broke out on 20 August 1921, with attacks on police stations, British offices, and landlord property.
  • British Response: Martial law, mass troop deployment, brutal suppression by early 1922.
  • Leaders:
    • Variyamkunnath Kunjahammed Haji: Set up a parallel Khilafat government in Nilambur.
    • Ali Musaliar: Spiritual guide, revered locally, executed by British.
    • Sayyid Alavi Tangal: religious inspiration for resistance.

Consequences and Atrocities:

  • Parallel Government: Rebels briefly established parallel administration in parts of Malabar.
  • Casualties: 2,337 rebels killed, over 45,000 imprisoned, nearly 10,000 missing.
  • Violence: Widespread communal killings, forced conversions, destruction of temples and homes.
  • Wagon Tragedy (Nov 1921): 67 Moplah prisoners suffocated to death in a railway wagon.
  • Impact: Large-scale displacement, ruined villages, families uprooted.
  • Political Shift: Indian National Congress initially supported the anti-British nature, but withdrew after communal excesses.

Historical Assessment:

  • Bipan Chandra: Saw it primarily as a peasant/agrarian revolt.
  • Sumit Sarkar: Interpreted it as an anti-landlord revolt.
  • Colonial View: Framed as a communal rebellion to weaken anti-British legitimacy.
  • Recent Scholarship: Abbas Panakkal highlights it as part of Khilafat and Non-Cooperation, initially uniting Hindus and Muslims.
  • E.M.S. Namboodiripad, Saumyendranath Tagore: Called it a spontaneous peasant uprising against colonial oppression.
  • Recognition: Many rebels are honoured as freedom fighters by Kerala government, though debates continue whether to classify it as anti-colonial, agrarian, or communal.
[UPSC 2020] With reference to the history of India, “Ulgulan” or the Great Tumult is the description of which of the following events?

Options:

(a) The Revolt of 1857 (b) The Mappila Rebellion of 1921 (c) The Indigo Revolt of 1859 – 60 (d) Birsa Munda’s Revolt of 1899-1900*

 

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New Species of Plants and Animals Discovered

Ant Queens giving birth to different species

Why in the News?

A groundbreaking study published in Nature (2025) has revealed that Messor ibericus, a Mediterranean harvester ant species, can produce male offspring of a completely different species, Messor structor.

Ant Queens giving birth to different species

About the Specie Messor ibericus:

  • Overview: A Mediterranean harvester ant, widely distributed across Southern Europe, known for its grain-harvesting behaviour and large colonies.
  • Hybrid Workers: All workers are hybrids, carrying DNA from both Messor ibericus and Messor structor.
  • Cross-Species Male Production: About 10% of queen’s eggs develop into pure Messor structor males, even without nearby structor colonies.
  • Genetic Signature: These males retain Messor ibericus mitochondrial DNA, proving maternal origin.
  • Reproductive Strategy: As per the Nature study:
    • Ibericus sperm produces new queens.
    • Structor sperm produces hybrid workers and additional structor males.
  • Evolutionary Significance: First documented case of a species naturally producing offspring of another species, challenging classical species concepts.
  • Colony Advantage: By producing both hybrid workers and pure structor males, queens secure compatible mates for future generations, sustaining both lineages.
[UPSC 2024] Which one of the following shows a unique relationship with an insect that has coevolved with it and that is the only insect that can pollinate this tree?

Options:

(a) Fig* (b) Mahua (c) Sandalwood (d) Silk cotton

 

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Indian Army Updates

Upgradation of Army Radars

Why in the News?

After Operation Sindoor and Pakistani drone incursions, the Army is upgrading air defence with advanced radars to counter low-RCS (radar cross-section) drones and other aerial threats along northern and western borders.

What are Radars?

  • About: Radar stands for Radio Detection and Ranging; it uses radio waves to locate, track, and measure speed of objects.
  • Components: Transmitter emits radio signals, receiver captures reflections.
  • Functions: Measures direction, distance (via time delay), and velocity (via Doppler shift).
  • Types in air defence:
    • Surveillance radars: Monitor airspace and detect aerial objects, not directly linked to weapons.
    • Fire control radars: Provide targeting data to guide anti-aircraft guns or missiles.

Current Indian Capabilities:

  • Indian Air Force: Operates High-Power Radars and Medium-Power Radars for long-range, high-altitude threats such as jets, AWACS, and large transport aircraft.
    • For fire control, the Air Force employs systems like the 3D Central Acquisition Radar and Rajendra radar.
  • Indian Army: Uses Low-Level Light-Weight Radars, designed to pick up low-flying, small radar cross-section objects like drones.
    • Upgraded Flycatcher and Air Defence Tactical Control Radar systems to aim weapons and manage local defence.

India’s Air Defence Infrastructure:

  • Missile systems: Includes Russian S-400 and the indigenous Akash missile system.
  • Army’s Akashteer system: Integrates radars, sensors, air defence guns, and communications into a real-time operational air picture.
  • IAF’s IACCS (Integrated Air Command and Control System): Unifies data from multiple assets for coordinated detection and interception.
  • Mission Sudarshan Chakra: Ongoing modernisation programme; DRDO recently tested the Integrated Air Defence Weapon System.
[UPSC 2024] Consider the following activities:

1. Identification of narcotics on passengers at airports or in aircraft

2. Monitoring of precipitation

3. Tracking the migration of animals

In how many of the above activities can the radars be used?

(a) Only one (b) Only two* (c) All three (d) None

 

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Judicial Reforms

[17th September 2025] The Hindu Op-ed: Judicial Experimentalism versus the Right to Justice

PYQ Relevance

[UPSC 2024] Starting from inventing the ‘basic structure’ doctrine, the judiciary has played a highly proactive role in ensuring that India develops into a thriving democracy. In light of the statement, evaluate the role played by judicial activism in achieving the ideals of democracy.

Linkage: The recent “cooling period” ruling in Shivangi Bansal (2025) shows the judiciary’s proactive, sometimes overreaching, role in experimenting with safeguards beyond legislative intent. While judicial activism has often upheld democracy by protecting rights (e.g., Kesavananda Bharati, Arnesh Kumar), such interventions can also compromise access to justice. Thus, the case illustrates both the potential and pitfalls of judicial activism in strengthening democratic ideals.

Mentor’s Comment

The Supreme Court’s recent endorsement of the Allahabad High Court’s guidelines introducing a “cooling period” before action in matrimonial cruelty cases (formerly Section 498A IPC, now Section 85 BNS) has sparked a heated debate. While the move aims to check misuse of law, critics argue it undermines a victim’s right to prompt justice. This article analyses the issue through the lens of judicial experimentalism, statutory intent, and the balance between liberty and justice, an important discussion for UPSC aspirants studying the interface of law, rights, and institutional reforms.

Introduction

Section 498A IPC was enacted to protect women from cruelty in matrimonial settings. However, fears of its misuse led courts and lawmakers to build safeguards against arbitrary arrests and frivolous cases. The recent Supreme Court ruling in Shivangi Bansal vs Sahib Bansal (2025) has endorsed a two-month “cooling period” and referral to Family Welfare Committees (FWCs) before action is taken on complaints. While it echoes earlier judicial experiments, critics highlight that such directions compromise victims’ right to timely justice and extend judicial power beyond legislative intent.

Judicial Experimentalism Versus Right to Justice

Why is this ruling in the news?

The ruling is significant because, for the first time since the rollback of Rajesh Sharma guidelines in 2018, the Supreme Court has revived the idea of FWCs and delayed coercive action through a “cooling period.” This marks a sharp contrast with previous judicial positions that upheld victims’ right to prompt redressal. The problem is big: over 1.4 lakh cases registered under Section 498A in 2022 (NCRB) yet with declining arrests, showing safeguards were already in place. Introducing new hurdles raises questions on judicial overreach and justice delivery.

Why was Section 498A enacted?

  1. Objective: Punish cruelty against women in matrimonial homes.
  2. Protection intent: Safeguard women from physical, mental, and emotional abuse by husband and family.
  3. Concerns of misuse: Courts acknowledged misuse through false FIRs and arrests, which led to checks and procedural safeguards.

What safeguards already existed against misuse?

  1. Lalita Kumari (2013): Classified matrimonial disputes under ‘preliminary inquiry’ before FIR registration.
  2. CrPC amendment (2008): Introduced the ‘principle of necessity’ in arrests.
  3. Arnesh Kumar (2014): Checklist for police; mandatory notice for appearance before arrest.
  4. Satender Kumar Antil (2022): Strengthened protection by ensuring bail if arrest directions were violated.
  5. Impact: NCRB shows while cases increased (1,13,403 in 2015 → 1,40,019 in 2022), arrests fell (1,87,067 → 1,45,095).

How does the “cooling period” affect justice delivery?

  1. Delay in action: Victims must wait two months before any coercive step is taken.
  2. Denial of prompt redressal: Even after FIR, police cannot act, worsening victim’s plight.
  3. Institutional overreach: FWCs lack statutory backing, leading to ambiguity about their jurisdiction and powers.
  4. Historical lesson: Similar FWC directions in Rajesh Sharma (2017) were termed “regressive” and rolled back by Social Action Forum for Manav Adhikar (2018).

What does this mean for judicial experimentalism?

  1. Judicial innovation vs legislative intent: Experimentation may be progressive but must not override statutory design.
  2. Checks already in place: With safeguards from CrPC amendments, Arnesh Kumar and Satender Kumar Antil, additional hurdles appear unnecessary.
  3. Risk of regressive rollback: Echoes earlier failed experiments that compromised women’s access to justice.

Conclusion

The Supreme Court’s endorsement of the Allahabad High Court’s “cooling period” in Section 498A cases reflects judicial anxiety over misuse of law but risks undermining victim protection, the very intent of the provision. With sufficient safeguards already in place, the ruling revives debates on judicial overreach and calls for revisiting its implications. Justice must balance the liberty of the accused with the victim’s right to immediate redressal, without diluting either.

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Artificial Intelligence (AI) Breakthrough

Unseen labour, exploitation: the hidden human cost of Artificial Intelligence

Introduction

The promise of AI as an automated, error-free technology often masks the unseen human labour that makes it possible. From labelling raw data to moderating harmful content, “ghost workers” form the backbone of AI ecosystems. Yet, their contributions remain invisible, underpaid, and unprotected. The debate on AI is incomplete without recognising the human cost of automation, a matter of global ethics, labour rights, and governance.

The Hidden Human Cost of AI

Why is AI’s invisible labour in the news?

AI companies, especially in Silicon Valley, outsource essential annotation and moderation work to low-paid workers in developing countries. Recent revelations of exploitative conditions, such as Kenyan workers earning less than $2 an hour for traumatic tasks like filtering violent content, have exposed the dark underbelly of AI. This has amplified global concerns about modern-day slavery, violation of labour rights, and the absence of legal safeguards in AI supply chains.

Areas of Human Involvement in AI

  1. Data Annotation: Machines cannot interpret meaning; humans label text, audio, video, and images to train AI models.
  2. Training LLMs: Models like ChatGPT and Gemini depend on supervised learning and reinforcement learning, requiring annotators to correct errors, jailbreaks, and refine responses.
  3. Subject Expertise Gap: Workers without domain knowledge label complex data, e.g., Kenyan annotators labelling medical scans, leading to inaccurate AI outputs.

Are Automated Features Truly Automated?

  1. Content Moderation: Social media “filters” rely on humans reviewing sensitive content (pornography, beheadings, bestiality). This causes severe mental health risks like PTSD, anxiety, and depression.
  2. AI-Generated Media: Voice actors, children, and performers record human sounds and actions for training datasets.
  3. Case Study (2024): Kenyan workers wrote to U.S. President Biden describing their labour as “modern-day slavery.”

What Challenges Do Workers Face?

  1. Poor Wages: Less than $2/hour compared to global standards.
  2. Harsh Conditions: Tight deadlines of a few seconds/minutes per task; strict surveillance; risk of instant termination.
  3. Union Busting: Workers raising concerns are dismissed, with collective bargaining actively suppressed.
  4. Fragmented Supply Chains: Work outsourced via intermediary digital platforms; lack of transparency about the actual employer.

Why Is This a Global Governance Issue:

  1. Exploitation in Developing Countries: Kenya, India, Pakistan, Philippines, and China host the bulk of annotators, highlighting global North-South labour inequities.
  2. Digital Labour Standards: Current international labour frameworks inadequately cover digital gig work.
  3. Ethical Responsibility: Big Tech profits from AI breakthroughs while invisibilising the labour behind them.
  4. Need for Regulation: Stricter global and national laws must ensure fair pay, transparency, and dignity at work.

Way Forward

  1. Transparency Mandates: Disclosure of supply chains by tech companies.
  2. Fair Labour Standards: Minimum wages, occupational safety norms, and psychological health safeguards.
  3. Recognition of Workers: From “ghost workers” to “digital labour force.”
  4. Global Collaboration: Similar to climate treaties, AI labour governance requires multilateral regulation.

Conclusion

Artificial Intelligence is not fully autonomous—it rests on millions of invisible workers whose exploitation challenges the ethics of the digital age. For India and the world, the future of AI must balance innovation with human dignity, equity, and justice. Without recognising and regulating this labour, the AI revolution risks deepening global inequalities.

Value Addition

Global Frameworks and Conventions

  1. ILO Convention 190 (2019): Addresses workplace violence and harassment — highly relevant to content moderators exposed to graphic/traumatic data.
  2. ILO Recommendation 204: Transition from informal to formal economy — ghost workers are currently informal, with no rights.
  3. UN Guiding Principles on Business and Human Rights (2011): Corporate duty to respect human rights across supply chains, including digital gig platforms.
  4. EU Artificial Intelligence Act (2025): First comprehensive law regulating AI systems; includes risk categories and human oversight.
  5. Santa Clara Principles (2018): Framework for transparency, accountability, and due process in online content moderation.

Conceptual Tools and Keywords

  1. Digital Colonialism: Global North exploits cheap digital labour in Global South for AI systems.
  2. Surveillance Capitalism (Shoshana Zuboff): Big Tech monetises personal data and labour while eroding privacy and dignity.
  3. Platform Precarity: Gig workers face algorithmic control, constant surveillance, and lack of social protection.
  4. Ghost Work (Mary Gray & Siddharth Suri, 2019): Term for invisible human labour powering AI systems.
  5. Cognitive Labour: Work that relies on human judgment, emotional resilience, and meaning-making (beyond physical labour).
  6. Algorithmic Management: Use of algorithms to allocate, monitor, and discipline workers—stripping them of agency.
  7. Ethics of Invisibility: Recognition gap when workers’ contributions are hidden, making justice claims difficult.

Reports and Studies

  1. Oxford Internet Institute (2019, “Ghost Work”): Estimated millions of hidden workers behind AI, mainly in developing countries.
  2. WEF Future of Jobs Report (2023): Warned of AI-induced job displacements alongside new digital gig work.
  3. ILO Report on Digital Labour Platforms (2021): Documented widespread exploitation, lack of contracts, and cross-border regulatory challenges.

Indian Context

  1. Code on Social Security, 2020: Recognises gig and platform workers, but still weak on implementation.
  2. NITI Aayog Report on “India’s Booming Gig and Platform Economy” (2022): Predicts 23.5 million gig workers by 2030.
  3. Personal Data Protection Act, 2023: Regulates data, but silent on labour rights of those who process AI data.
  4. India’s AI Mission (National Strategy for AI, NITI Aayog): Envisions “AI for All” but doesn’t sufficiently cover labour dimensions.

PYQ Relevance

[UPSC 2023] Introduce the concept of Artificial Intelligence (AI). How does Al help clinical diagnosis? Do you perceive any threat to privacy of the individual in the use of Al in healthcare?

Linkage: AI aids clinical diagnosis by analysing medical scans and predicting outcomes with high accuracy, but it relies on human annotators to label sensitive data. The article shows how even untrained workers in Kenya were tasked with labelling medical scans, raising concerns of reliability. Such outsourcing also heightens the risk of privacy violations in handling patient data across insecure global supply chains.

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Climate Change Impact on India and World – International Reports, Key Observations, etc.

Topography, climate change: Behind heavy rains in Himalayas

Introduction

Extreme rainfall in Uttarakhand over the past week has triggered multiple landslides, swelling rivers and leading to the loss of at least 15 lives. While such events have always occurred in the Himalayan belt during the monsoon, the frequency, intensity, and unpredictability of these disasters have sharply increased in recent years. This phenomenon is closely linked to climate change, altered monsoon dynamics, and the fragile geology of the region.

Why in the News?

Uttarakhand and parts of Himachal Pradesh have witnessed back-to-back extreme rainfall events over the last month, leading to landslides, mudslides, flash floods, and large-scale disruption. The striking fact is not just the death toll, but the scale of surplus rainfall, 34% above normal in August and 67% above normal in early September. Such heavy rainfall, while common in coastal states like Kerala or Meghalaya, is catastrophic in the Himalayas where steep slopes, loose soil, and fragile ecosystems amplify the risks.

Why is rainfall unusually high in Uttarakhand this season?

  1. Active monsoon systems: Consecutive low-pressure systems from the Bay of Bengal have travelled farther north than usual, dumping large amounts of rain in the Himalayan belt.
  2. Surplus rainfall data: Northwestern India received 34% surplus rainfall in August and over 67% surplus rainfall in early September.
  3. Record-breaking events: Udhampur (J&K) recorded 630 mm in 24 hours, equivalent to a year’s rainfall in Rajkot, Gujarat; Leh recorded 59 mm in 48 hours, highest since 1973.

Why are hilly regions more vulnerable to disasters?

  1. Fragile geology: Extreme rainfall triggers landslides, mudslides, and flash floods as rainwater drags soil, rocks, and debris downhill.
  2. River choke-points: When streams are blocked, water gushes into settlements, destroying roads and bridges.
  3. Comparative impact: While 300 mm of rain in Goa or Kerala drains into the sea, the same amount in Uttarakhand leads to catastrophic slope failure.
  4. Recent examples: Landslides across Mandi, Kullu, Dharali, Tharali, and Jammu in the past two weeks illustrate cascading effects.

How is climate change altering monsoon dynamics?

  1. Southward shift of western disturbances: Once dominant in winters, these systems are increasingly interacting with the summer monsoon, intensifying rainfall events in the Himalayas.
  2. Global warming: Rising temperatures are linked to changing wind patterns and higher atmospheric moisture.
  3. Arctic connection: Melting Arctic sea ice may be influencing jet streams, further complicating rainfall behaviour.
  4. Future risks: Longer dry spells interspersed with intense rainfall events are likely to define Himalayan monsoons.

What does this mean for Uttarakhand and Himachal Pradesh?

  1. Human cost: Frequent deaths, loss of livelihoods, and displacement.
  2. Economic disruption: Road blockages, tourism losses, and damage to hydro projects.
  3. Policy challenge: Need for climate-resilient infrastructure, stricter land-use regulations, and predictive weather modelling.

Conclusion

The Uttarakhand landslides are a grim reminder that the Himalayas, often called the “third pole”, are at the frontline of climate change. Extreme rainfall patterns, when coupled with unregulated urbanization and fragile geology, amplify disaster risks. Building climate-resilient infrastructure, enhancing early warning systems, and ensuring ecological sensitivity in planning are essential for safeguarding lives and livelihoods in these vulnerable mountain states.

PYQ Relevance:

[UPSC 2017] ‘Climate Change’ is a global problem. How India will be affected by climate change? How Himalayan and coastal states of India will be affected by climate change?

Linkage: The Uttarakhand landslides highlight how Himalayan states are increasingly vulnerable to climate change–induced extreme rainfall, cloudbursts, and landslides due to fragile geology. Similarly, coastal states face rising sea levels, cyclones, and saline intrusion, threatening lives and livelihoods. Thus, climate change amplifies both mountain hazards and coastal vulnerabilities, making India’s geography uniquely exposed.

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Blockchain Technology: Prospects and Challenges

What are Stablecoins?

Why in the News?

Globally, stablecoins face regulatory scrutiny; the Bank of England has proposed ownership limits (£10k–£20k for individuals, £10m for businesses) to reduce banking system risks.

About Stablecoins:

  • Definition: Cryptocurrencies designed to maintain stable value, usually pegged to fiat currency, commodities, or other crypto.
  • Role: Provide price stability, often used to park profits or enable fast, low-cost cross-border transactions without intermediaries.
  • Use: Rarely for retail payments; mainly act as a bridge asset within crypto markets.
  • Types:
    • Fiat-backed (e.g., Tether/USDT).
    • Commodity-backed (gold, silver, oil).
    • Crypto-backed (collateralised by other cryptos).
    • Algorithmic (peg maintained via programmed supply-demand adjustments).
  • Example: Tether (USDT) backed in theory by cash and US Treasuries.
  • Market Growth: Could rise tenfold to $2 trillion by 2028 (Standard Chartered, Apr 2025).

Risks Associated with Stablecoins:

  • Financial Stability Risk: Vulnerable to bank-run scenarios. Example: TerraUSD collapse (2022) lost 60% peg value.
  • Banking System Impact: Can drain deposits from banks, reducing lending capacity.
  • BIS Concerns:
    • Singleness: Deviations from fiat peg in secondary markets.
    • Elasticity: Limited expansion due to reserve requirements.
    • Integrity: Weak KYC, enabling money laundering, terror financing.
  • Cybersecurity: DeFi-linked stablecoins prone to hacking and theft.
  • Regulatory Gaps: Lack of uniform global standards leads to fraud and accountability issues.

Global Regulatory Approaches:

  • United States, GENIUS Act (2025): Only insured financial institutions may issue; must hold 1:1 low-risk reserves; AML/CFT compliance required.
  • European Union, MiCA (2024): Regulates E-money Tokens (EMTs) and Asset-Referenced Tokens (ARTs); issuers restricted to authorised EU firms; strict reserve and consumer protection.
  • Hong Kong, Stablecoin Ordinance (2025): Licensing by HK Monetary Authority; full high-quality liquid reserves; strict audits and AML/CFT rules.
  • United Kingdom, Bank of England: Proposed ownership limits to prevent rapid deposit outflows and maintain financial stability.
[UPSC 2016] With reference to ‘Bitcoins’, sometimes seen in the news, which of the following statements is/are correct?

1. Bitcoins are tracked by the Central Banks of the countries.

2. Anyone with a Bitcoin address can send and receive Bitcoins from anyone else with a Bitcoin address.

3. Online payments can be sent without either side knowing the identity of the other.

Select the correct answer using the code given below.

Options: (a) 1 and 2 only (b) 2 and 3 only* (c) 3 only (d) 1, 2 and 3

 

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Innovations in Sciences, IT, Computers, Robotics and Nanotechnology

What is Portable Ion Chromatography?

Why in the News?

Australian scientists have developed a simpler, portable version of ion chromatography called Aquamonitrix, enabling field-based analysis of nitrate and nitrite ions.

About Ion Chromatography:

  • Overview: A laboratory technique used to separate and measure ions (charged particles) in a sample.
  • Process: A liquid sample is passed through a long column that separates ions based on their properties.
  • Equipment: Requires large, complex, and costly lab machines.
  • Use in Environment: Detects harmful ions like nitrate and nitrite that pollute soil and water.

What is Aquamonitrix?

  • Overview: A portable ion chromatograph designed by the University of Tasmania (Australia).
  • Features: Small, battery-operated, and nearly 10 times cheaper than lab equipment.
  • Testing: Students tested it on soil pore water, measuring nitrate and nitrite levels accurately when compared with lab results.
  • How it Works?
    • Soil water collected with a vacuum pump and filtered.
    • Water injected into the Aquamonitrix unit.
    • Uses a sodium chloride solution to carry the sample.
    • Equipped with a UV light detector, showing nitrate and nitrite as clear peaks.
    • Simpler design avoids messy interference from multiple ions.

Applications:

  • Environment: Monitoring nitrate and nitrite pollution in soil and water.
  • Agriculture: Helps optimise fertiliser use and reduce overuse.
  • Water Safety: Tests drinking water quality on site.
  • Education: Serves as a teaching tool linking classroom to real-world chemistry.
[UPSC 2024] “Membrane Bioreactors” are often discussed in the context of:

Options: (a) Assisted reproductive technologies

(b) Drug delivery nanotechnologies

(c) Vaccine production technologies

(d) Wastewater treatment technologies*

 

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Festivals, Dances, Theatre, Literature, Art in News

Nankana Sahib Pilgrimage

Why in the News?

The Union Ministry of Home Affairs (MHA) has directed State governments not to process applications for Sikh pilgrims’ visit to Nankana Sahib, Pakistan, for the November 2025 birth anniversary (Parkash Gurpurab) of Guru Nanak Dev Ji.

About Nankana Sahib:

  • Location: Punjab province, Pakistan, near Lahore.
  • Historical Significance: Birthplace of Guru Nanak Dev Ji (1469). Earlier called Rai-Bhoi-Di Talwandi; renamed Nankana Sahib in his honour.
  • Major Shrines:
    • Gurdwara Janam Asthan: Built over Guru Nanak’s birthplace by Maharaja Ranjit Singh (1818–19).
    • Other sites: Gurdwara Patti Sahib, Bal Leela, Mal Ji Sahib, Kiara Sahib, Tambu Sahib, and shrines linked to Guru Arjan (5th Guru) and Guru Hargobind (6th Guru).
  • Cultural Relevance: Pilgrimage site for millions of Sikhs globally; integral to the annual Parkash Gurpurab commemorations.

About Guru Nanak Dev Ji (1469–1539):

  • Birth & Early Life: Born in 1469 at Talwandi (now Nankana Sahib). Enlightened at Sultanpur Lodhi in 1496.
  • Teachings: Rejected rituals, caste hierarchy, and idol worship; emphasised devotion to one formless God (Nirankar).
  • Core Philosophy:
    • Three Pillars: Naam Japna (remembrance of God), Kirat Karna (honest work), Vand Chhakna (sharing with others).
    • Equality & Justice: Advocated gender equality, social service (Seva), and community dining (Langar).
    • Message: “Ek Onkar Satnam”, Oneness of God and humanity.
  • Death: Passed away in 1539 at Kartarpur Sahib (now in Pakistan). Appointed Guru Angad Dev Ji as successor.
[UPSC 2013] Consider the following Bhakti Saints:

1. Dadu Dayal

2. Guru Nanak

3. Tyagaraja

Which among the above was/were preaching when the Lodi Dynasty fell and Babur took over?

Options: (a) 1 and 3 (b) 2 only* (c) 2 and 3 (d) 1 and 2

 

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Historical and Archaeological Findings in News

Sarnath and UNESCO Nomination

Why in the News?

ASI will install a revised plaque at Sarnath, crediting Babu Jagat Singh (1787–88) for uncovering its archaeological importance, rather than British archaeologists.

About Sarnath:

  • Location: Near Varanasi, Uttar Pradesh, at the confluence of the Ganga and Varuna rivers.
  • Religious Importance: After enlightenment at Bodh Gaya, Gautama Buddha delivered the Dhammachakkappavattana Sutta (First Sermon) here in 528 BCE to five disciples, laying the foundation of the Sangha.
  • Key Monuments:
    1. Dhamek Stupa (built c. 500 CE, 39 m high, 28 m diameter).
    2. Ashoka Pillar with Lion Capital (India’s national emblem) and Ashoka Chakra.
    3. Chaukhandi Stupa (Gupta era; octagonal tower added in Mughal period).
    4. Mulagandha Kuti Vihar with frescoes of Buddha’s life.
    5. Sarnath Archaeological Museum with the original Lion Capital and Buddhist sculptures.
  • Archaeology: Excavations over 200 years, including B. R. Mani (2013–14), show Buddhist activity even before Ashoka.
  • Holy Site: One of Buddhism’s Four Holy Places (others: Lumbini, Bodh Gaya, Kushinagar).
  • Historic Role: By the 7th century CE, Sarnath hosted 30 monasteries and over 3,000 monks, flourishing under Mauryan, Kushan, and Gupta patronage.

Plaque Controversy and ASI Action:

  • Current Plaque: Credits Mr Duncan and Col. E. Mackenzie (1798) for exposing Sarnath, followed by excavations by Cunningham, Kittoe, Oertel, Marshall, Hargreaves, and Sahni.
  • Jagat Singh Claim: Descendant of Babu Jagat Singh (of Benares ruler Chait Singh’s family) petitioned ASI, arguing he first exposed Sarnath’s remains in 1787–88 during a digging exercise.
  • ASI’s Response: ASI confirmed revision; a corrected plaque will be installed soon. Officials noted many pre-1861 plaques reflected British biases.
  • Artifacts: Jagat Singh’s digging uncovered a casket with Buddha relics, now partly housed in the Asiatic Society, Kolkata.

Cultural Significance:

  • UNESCO Nomination: Officially proposed for the World Heritage List (2025–26 cycle) after 27 years on the tentative list.
  • Policy Context: India projects itself as the land of Buddha; recently issued notices to stop auctions of Buddhist relics abroad.
[UPSC 2019] In which of the following relief sculpture inscriptions is ‘Ranyo Ashoka’ (King Ashoka) mentioned along with the stone portrait of Ashoka?

Options: (a) Kanganahalli* (b) Sanchi I (c) Shahbazgarhi (d) Sohgaura

 

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Pension Reforms

Unified Pension Scheme (UPS)

Why in the News?

The Centre has approved the Unified Pension Scheme, starting Apr 2025, with NPS employees allowed to switch till Sept 30, 2025.

About Unified Pension Scheme (UPS):

  • Launch & Applicability: Announced in August 2024; implemented from 1 April 2025. Applicable to central govt employees who joined service after 1 January 2004 (those under NPS).
  • Nature: Hybrid pension system combining features of the assured benefit of OPS and the contributory model of NPS.
  • Assured Pension: 50% of the average basic pay drawn in the last 12 months before retirement, with minimum 25 years of service.
  • Minimum Pension: ₹10,000/month assured after 10 years of service.
  • Family Pension: 60% of pension last drawn, payable to spouse on retiree’s death.
  • Contributions: Employee contributes 10% of basic pay + Dearness Allowances (DA); govt contributes 10% + an additional 8.5% towards a pooled corpus.
  • Lump Sum at Retirement: 1/10th of last pay + DA for every completed six months of service, in addition to gratuity.
  • Inflation Indexation: DA-linked relief on pensions, tied to CPI-IW.
  • Flexibility: Employees may choose between NPS and UPS, but once shifted, re-entry into UPS is not allowed.

Difference between OPS, NPS and UPS:

Old Pension Scheme (OPS) National Pension System (NPS) Unified Pension Scheme (UPS)
Type Defined Benefit Defined Contribution (market-linked) Hybrid (Defined + Contribution)
Employee Contribution None 10% of Basic + DA 10% of Basic + DA
Govt Contribution Entire burden on govt 14% of Basic + DA 10% + 8.5% pooled corpus
Assured Pension 50% of last drawn pay + DA None; depends on market returns 50% of avg. basic pay (last 12 months)
Minimum Pension Not fixed, but effectively higher None ₹10,000 after 10 years’ service
Family Pension 50% of pension last drawn Depends on accumulated corpus 60% of pension last drawn
Lump Sum Commutation of up to 40% pension (reduces monthly pension) 60% withdrawal of accumulated corpus at retirement Lump sum = 1/10th of last pay + DA for every 6 months of service; pension unaffected
Indexation (DA link) Full DA linked Market-driven returns; no DA link DA-linked inflation relief
Fiscal Burden High, unfunded Lower, market-based Moderate (partially funded + assured)

 

[UPSC 2021] With reference to casual workers employed in India, consider the following statements:

1. All casual workers are entitled to Employees Provident Fund coverage.

2. All casual workers are entitled to regular working hours and overtime payment.

3. The government can, by notification, specify that an establishment or industry shall pay wages only through its bank account.

Which of the above statements are correct?

Options: (a) 1 and 2 only (b) 2 and 3 only* (c) 1 and 3 only (d) 1, 2, and 3

 

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

[16th September 2025] The Hindu Op-ed: Court’s nod to Mental Health as Right

PYQ Relevance

[UPSC 2020] In order to enhance the prospects of social development, sound and adequate health care policies are needed in the fields of geriatric and maternal health care. Discuss.

Linkage: The 2025 Sukdeb Saha judgment extends the scope of Article 21 by making mental health a constitutional right, just as geriatric and maternal health are essential to social development. Both contexts highlight the need for sound, inclusive health policies that address neglected yet critical areas. The ruling reinforces the argument that without adequate mental healthcare, broader social development goals remain incomplete.

Mentor’s Comment

The recent Supreme Court judgment in Sukdeb Saha vs State of Andhra Pradesh (2025) has elevated mental health to the level of a constitutional right under Article 21. More than a verdict on an individual tragedy, it has emerged as a landmark with systemic implications, redefining how student suicides, institutional neglect, and structural victimisation are understood in India. This article dissects the judgment, its social, legal, and criminological dimensions, and its significance for UPSC aspirants.

Introduction

In July 2025, the Supreme Court of India declared mental health to be an integral part of the right to life under Article 21. Triggered by the tragic suicide of a 17-year-old NEET aspirant in Visakhapatnam, the case (Sukdeb Saha vs State of Andhra Pradesh) transcended individual loss to expose the systemic failures of India’s education ecosystem. For the first time, the Court explicitly linked student suicides with institutional neglect and structural violence, framing mental health as a public injustice rather than a private bereavement. This landmark ruling has far-reaching implications for governance, education, victimology, and social justice.

Why is the Judgment in the News?

The verdict is a constitutional milestone because it:

  1. Recognises mental health as a fundamental right under Article 21, not just a statutory right under the Mental Healthcare Act 2017.
  2. Issues binding Saha Guidelines mandating schools, colleges, hostels, and coaching institutes to proactively create mental health support systems.
  3. Shifts accountability from individual students to institutions, framing neglect as a form of structural violence.
  4. Addresses India’s alarming student suicide epidemic, exposing deep systemic and cultural failures.
  5. This is the first time the Court has extended the doctrine of state responsibility to mental well-being, making it a case of historic significance.

How does the case highlight structural victimisation?

  1. Structural neglect: Education systems, coaching centres, and hostels create conditions of high pressure with little support, making students vulnerable.
  2. State complicity: By failing to provide safeguards, institutions and the state become indirect perpetrators of harm.
  3. Victimology lens: Students are not merely individuals battling internal struggles; they are victims of systemic injustice and exploitative cultures.

Why does the verdict matter legally?

  1. Constitutional elevation: Mental health is no longer a mere statutory right but a fundamental right under Article 21.
  2. Gap filling: The Mental Healthcare Act 2017 remains poorly enforced; the judgment provides a stronger normative benchmark.
  3. Legislative force: The Saha Guidelines have the same weight as law until Parliament enacts a mental health code.

What are the “Saha Guidelines”?

  1. Institutional responsibility: Schools, colleges, hostels, and coaching institutes must establish mental health support systems.
  2. Time-bound compliance: States and UTs must frame rules within two months.
  3. Monitoring mechanisms: Creation of district-level monitoring committees for accountability.
  4. Binding nature: These interim orders have legislative effect until codified.

Can student suicides be seen as structural violence?

  1. Galtung’s theory: Structural violence occurs when societal structures systematically deprive individuals of basic needs.
  2. Application: Educational institutions that ignore psychological well-being indirectly inflict harm.
  3. Reframing suicides: Shifts the discourse from “personal failures” to systemic injustice requiring state intervention.

What are the challenges in implementation?

  1. Institutional inertia: Schools and coaching centres often resist reform.
  2. Resource constraints: Lack of trained mental health professionals in India.
  3. Cultural barriers: Persistent stigma around psychological counselling.
  4. State responsibility: The verdict’s success depends on political will, monitoring, and investment in mental health infrastructure.

Conclusion

The Sukdeb Saha judgment is a watershed moment in constitutional jurisprudence. By recognising mental health as a core aspect of the right to life, it challenges society to confront uncomfortable truths about neglect, exploitation, and indifference in the education system. Yet, the ruling’s legacy will depend on whether the Saha Guidelines are translated into action or remain judicial rhetoric. For students, too often silenced by despair, this judgment is a promise of dignity, recognition, and justice.

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

SC on amended Waqf Act: What has been stayed, what remains

Introduction

The Waqf (Amendment) Act, 2025, passed by Parliament earlier this year, faced widespread opposition from political leaders, religious organisations, and civil society. Over 65 petitions were filed, challenging its constitutional validity. On September 15, the Supreme Court issued an interim order staying several key provisions, particularly those expanding the powers of district collectors, imposing a five-year Islam practice condition for creating a waqf, and capping non-Muslim representation in Waqf boards. At the same time, the Court upheld other significant changes such as the removal of “waqf-by-user” and the applicability of the Limitation Act. This selective intervention reflects the judiciary’s cautious approach in balancing equity, religious freedom, and governance.

Waqf

Why is the Supreme Court’s interim stay significant?

  1. First major judicial intervention: The SC’s order is the first substantive check on the Waqf (Amendment) Act, 2025 since its passage.
  2. Large-scale impact: With nearly 65 petitions filed, the matter affects thousands of properties and the rights of the Muslim community across India.
  3. Balance of powers: The Court flagged violation of the separation of powers doctrine by preventing revenue officers from adjudicating property titles.
  4. Guardrails against misuse: While not striking down the Act, the Court has added interim safeguards to prevent dispossession and misuse of powers.

What powers of District Collectors were stayed?

  1. Section 3C inquiry power: District Collectors could declare that land claimed as waqf is government property. The SC stayed the clause that made waqf status cease immediately upon inquiry.
  2. Arbitrariness highlighted: Entrusting title determination to a revenue officer was held to be prima facie arbitrary.
  3. Safeguard applied: Waqf properties will retain their status until adjudicated by a Waqf Tribunal. However, no third-party rights can be created until final resolution.

How did the Court deal with non-Muslim representation in Waqf Boards?

  1. Capping membership: Central Waqf Council (22 members) shall not have more than 4 non-Muslims; State Waqf Boards (11 members) shall not have more than 3 non-Muslims.
  2. Community rights upheld: This ensures that the Muslim community’s right under Article 26 to manage religious affairs is not diluted.
  3. Avoiding ambiguity: The SC clarified numbers to prevent misinterpretation of the law.

What about the ‘five years of practising Islam’ rule?

  1. New definition of waqf: The 2025 Act required proof of practising Islam for five years to create a waqf.
  2. Provision stayed: SC stayed this rule until the government frames rules and mechanisms for proof.
  3. Judicial caution: The Court noted concerns of arbitrariness and discrimination, but also recognised historical misuse of waqf as a tool to evade creditors.

Which provisions were not stayed?

  1. Abolition of ‘waqf by user’: The Court upheld its removal, citing misuse to encroach upon government lands.
  2. Applicability of the Limitation Act: Waqfs must now act within statutory limitation periods. This was upheld as removing previous discrimination.
  3. Registration compliance: SC emphasised that waqfs had 102 years (since 1923) to register, hence claims of arbitrariness were weak.

What is the larger constitutional and governance context?

  1. Presumption of constitutionality: Laws passed by Parliament carry weight until struck down.
  2. Balancing equities: The SC avoided blanket suspension, staying only contentious clauses.
  3. Protection of minority rights: Ensures Article 26 freedoms are not eroded.
  4. Preventing property misuse: Legislative intent to protect government property and curb misuse was acknowledged.

Conclusion

The Supreme Court’s interim order on the Waqf (Amendment) Act, 2025 reflects a nuanced judicial approach—protecting religious freedoms while respecting legislative authority. By drawing constitutional boundaries for state power and emphasising procedural fairness, the Court has reinforced its role as a guardian of equity and minority rights. The final verdict will have long-lasting implications for governance of religious endowments and minority trust in legal institutions.

PYQ Relevance:

[UPSC 2019] What are the challenges to our cultural practices in the name of secularism.

Linkage: The Waqf (Amendment) Act, 2025 has been challenged for allegedly curbing the Muslim community’s right under Article 26 to manage its religious endowments, showing how state intervention can threaten cultural practices. The Supreme Court’s interim stay on provisions like non-Muslim majority in Waqf Boards and “five years of practising Islam” directly reflects the tension between secular governance and religious autonomy. Thus, the case exemplifies the broader challenge of balancing secularism with protection of cultural practices, as asked in the 2019 question.

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Social Media: Prospect and Challenges

The conduct of social media companies amid political unrest

Introduction

The insurrection in Nepal, which led to the fall of the K.P. Sharma Oli government after just two days, brought with it an immediate digital clampdown: a ban on 26 social media platforms. While such state actions are not unprecedented, what deserves scrutiny is the consistent passivity of social media companies in moments of political crisis. Despite marketing themselves as champions of free expression, Big Social firms often prioritise profit motives and regulatory compliance over defending user rights. The Nepal episode is not an isolated case but part of a global pattern spanning Russia, Myanmar, Nigeria, and Iran.

Why is this issue in the news?

The Nepal unrest marks the latest instance of governments weaponising internet shutdowns, but the bigger story is the role of social media platforms. Instead of resisting, they largely issued boilerplate statements, leaving millions of users disconnected. This sharp contrast between their claims of empowering citizens and their reluctance to act exposes the gap between rhetoric and responsibility. The scale of the problem is massive, bans disrupt civic life, cost economies billions, and exacerbate inequality in times of crisis.

The Conduct of Social Media Companies Amid Political Unrest

Why do social media companies stay passive?

  1. Profit Motives: Companies fear losing access to lucrative markets more than reputational harm.
  2. Government Pressure: Host states can fine, jail, or exclude companies, discouraging open resistance.
  3. Commercial Interests vs. Civic Responsibility: Platforms project neutrality but continue profiting while users bear risks.

How has this pattern unfolded globally?

  1. Russia (2018): Telegram fought bans technically but gave little political solidarity to users facing arrests.
  2. Myanmar (2021): Facebook ban cut off protestors from news and organising tools.
  3. Nigeria (2021): Twitter suspension cost the economy $26 million/day while the company stayed largely silent.
  4. Iran (2022): Instagram and WhatsApp issued generic appeals while small businesses collapsed.

What technological solutions exist but remain unused?

  1. Decentralised Networks: Tor, I2P, Mastodon, and Signal proxies allow traffic rerouting.
  2. Corporate Tools: Google’s Outline VPN, YouTube’s delivery networks, and WhatsApp piggybacking on HTTPS could bypass bans.
  3. Underdeployment: Companies avoid such measures due to fears of retaliation and loss of ad-driven surveillance models.

How does Big Social compare with other industries?

  1. Financial Sector: PayPal and Visa cut services in Russia citing ethics.
  2. Wikipedia: Won a legal battle against Turkey’s ban.
  3. Telecom Firms: Unlike them, SM companies market themselves as defenders of expression, making passivity starker.

What are the wider consequences of passivity?

  1. Digital Divide: Richer users bypass bans with VPNs, poorer citizens are excluded.
  2. Insecurity: Users shift to unsafe alternatives, scams rise, and access to trusted news collapses.
  3. Corporate Power Paradox: Meta’s revenue ($134 bn) and Alphabet’s ($300 bn) exceed GDPs of Nepal and Nigeria, yet they plead helplessness.

What could be the way forward?

  1. Transparency Mandates: Publish shutdown orders, legal justifications, and company responses.
  2. Technical Contingencies: Industry-wide standards for proxy modes, redundancy, and fallback networks.
  3. Regional Cooperation: Blocs like AU and SAARC can negotiate common demands.
  4. Moral Responsibility: Companies must balance profit motives with defending civic infrastructure.

Conclusion

The Nepal episode illustrates a broader global pattern where social media companies retreat into silence during political unrest. While they claim neutrality, their choices are deeply political, amplifying inequalities and weakening democratic resilience. Given their vast resources and influence, neutrality is no longer an option. Transparency, decentralisation, and moral responsibility must become cornerstones of their global operations, especially in the Global South where civic stakes are highest.

Value Addition

  • Santa Clara Principles (2018): 
    • Framework urging tech companies to publish government takedown requests, explain moderation decisions, and ensure due process in digital rights protection.
    • Highlights the need for transparency and accountability in content moderation.
  • UNHRC Resolution (2016):
    • Declared internet shutdowns as a violation of international law and an infringement on freedom of expression.
    • Recognises access to the internet as a fundamental enabler of human rights.
  • Economic Impact of Shutdowns:
    • Nigeria’s Twitter ban (2021) cost the economy nearly $26 million/day, showing how bans hurt not just civic spaces but also small businesses and livelihoods.
    • Similarly, India has often topped the list of internet shutdowns globally, costing billions annually.
  • Concept of Digital Authoritarianism:
    • Use of internet control, shutdowns, and surveillance by states to curb dissent. Seen in Myanmar (2021 coup), Iran (2022 protests), and Nepal (2025 unrest).
  • Surveillance Capitalism (Shoshana Zuboff):
    • Business model of Big Tech that monetises user data through targeted ads. Centralised control discourages adoption of decentralised, privacy-respecting technologies.
  • Civic Infrastructure at Risk:
    • Platforms are not neutral spaces but essential public utilities during crises. Their passivity undermines democratic resilience and widens the digital divide.
  • Technological Solutions & Precedents:
    • Signal Proxies (Iran, 2022) – volunteers hosted relays to bypass censorship.
    • Wikipedia vs. Turkey – fought a multi-year legal battle and restored access, unlike Big Social’s passivity.
    • Google’s Outline VPN – toolkit for journalists and activists, an example of proactive circumvention tools.
  • International Comparisons:
    • Financial Sector – PayPal & Visa cut ties with Russia citing ethics after Ukraine invasion.
    • Telecoms – forced into compliance immediately with shutdown orders, unlike Big Social which claims neutrality yet markets itself as pro-free expression.

PYQ Relevance:

[UPSC 2016] Use of internet and social media by non-state actors for subversive activities is a major security concern. How have these been misused in the recent past? Suggest Effective guidelines to curb the above threat.

Linkage: The Nepal case and similar crises show how governments misuse shutdowns while non-state actors exploit social media for mobilisation, misinformation, and violence. The passivity of Big Social aggravates risks by denying safe, transparent channels, widening the digital divide. Thus, effective guidelines must balance security imperatives with digital rights, corporate accountability, and technological safeguards.

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Climate Change Negotiations – UNFCCC, COP, Other Conventions and Protocols

Tropical Forest Forever Facility (TFFF)

Why in the News?

Brazil, the host of COP30, has proposed the Tropical Forest Forever Facility (TFFF) to finance the conservation of standing forests.

What is Tropical Forest Forever Facility (TFFF)?

  • Nature: A global blended finance fund that pays Tropical Forest Countries (TFCs) per hectare of forest conserved.
  • Adjustments: Deductions made for deforestation or degradation.
  • Equity Provision: At least 20% of payments reserved for Indigenous Peoples & Local Communities (IPLCs).
  • Monitoring: Payments tracked via satellite systems and managed by a TFFF Secretariat.
  • Relation to REDD+: Complements but does not replace REDD+; no carbon credits or project-based offsets.

Financial Mechanism:

  • Core Instrument: Tropical Forest Investment Fund (TFIF) under a Multilateral Development Bank (likely World Bank).
  • Funding Sources:
    • Sponsors (20%): High-income countries and philanthropies, via concessional loans/grants.
    • Market Investors (80%): Institutional investors, sovereign wealth funds, university endowments.
  • Investment Strategy: Invests in liquid public bonds (US Treasuries), corporate bonds (Apple), green/blue bonds; excludes fossil fuels.
  • Returns & Payments: Earnings from investment funds result-based payments to TFCs, with 2% annual increase for inflation.

Key Hurdles:

  • Financing Burden: Global South may indirectly finance its own conservation as TFIF invests in their markets with higher borrowing costs.
  • Credit Rating Dependence: Returns hinge on ratings by Fitch, S&P, Moody’s.
  • Geopolitical Risk: Reliance on World Bank (US dominance) may skew control.
  • IPLC Gap: Despite pledges, historically Indigenous Peoples & Local Communities (IPLCs) receive <1% of climate aid.
  • Forest Definitions: Disputes over canopy thresholds (20–30%) may disadvantage sparser forest nations.

Back2Basics: REDD+ (Reducing Emissions from Deforestation and Forest Degradation plus)

  • Launch: 2008 as a UN collaborative initiative (FAO, UNDP, UNEP); now >65 partner countries.
  • Framework: Under UNFCCC; incentivizes developing nations to cut emissions and improve forest carbon stocks.
  • ‘+’ Component: Adds conservation, sustainable management, and carbon stock enhancement.
  • Objectives: Financial incentives for verified actions in (1) reducing deforestation, (2) reducing degradation, (3) conservation, (4) sustainable management, (5) carbon enhancement.
  • Mechanism: Countries prepare national strategies, monitor/report, and get results-based payments for verified emission reductions.

 

[UPSC 2025] Which one of the following launched the ‘Nature Solutions Finance Hub for Asia and the Pacific’?

(a) The Asian Development Bank (ADB)*

(b) The Asian Infrastructure Investment Bank (AIIB)

(c) The New Development Bank (NDB)

(d) The International Bank for Reconstruction and Development (IBRD)

 

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Foreign Policy Watch: United Nations

India secures International Seabed Authority (ISA) exploration contract

Why in the News?

India has secured the world’s first International Seabed Authority (ISA) licence to explore polymetallic sulphur nodules in the Carlsberg Ridge, northwest Indian Ocean.

India’s Engagement with ISA:

  • Exploration Contracts:
    1. 2002 – Polymetallic nodules, Central Indian Ocean Basin (valid till 2027).
    2. 2016 – Polymetallic sulphides, Indian Ocean Ridge (valid till 2031).
    3. 2025 – First global licence for polymetallic sulphides in Carlsberg Ridge.
  • Pending Application: Afanasy-Nikitin Seamount (ANS), Central Indian Ocean.
  • Strategic Goals:
    • Secure access to critical minerals (nickel, cobalt, manganese, copper).
    • Balance energy transition needs with environmental safeguards.
    • Counter competing claims (e.g., China in the Indian Ocean).
  • Role in ISA: Active participant in Mining Code negotiations; pushes for sustainable, equitable exploration.

About International Seabed Authority (ISA):

  • Establishment: Created under UNCLOS (1982) and the 1994 Agreement on Part XI; Based in Kingston, Jamaica.
  • Membership: 168 States (including India) + EU; the US is NOT a member or party to UNCLOS.
  • Mandate:
    • Regulate exploration/exploitation of minerals in the Area (beyond national jurisdictions, ~54% of oceans).
    • Ensure benefits for all humankind.
    • Protect marine environment from mining impacts.
    • Promote marine scientific research.
  • Regulatory Framework: Guided by the Mining Code (licensing, EIA, sustainability standards).
  • Functions:
    • Grants 15-year exploration contracts (extendable).
    • Monitors compliance of contractors.
    • Balances resource use with environmental safeguards.

About Carlsberg Ridge:

  • Location: A mid-ocean ridge in the northwest Indian Ocean (Arabian Sea region).
  • Extent: Covers ~3,00,000 sq. km, stretching from Rodrigues Island (SW Indian Ocean) to the Owen fracture zone.
  • Tectonic Setting: Boundary between the Indian Plate and the Arabian Plate.
  • Critical Minerals: Deposits contain manganese, cobalt, nickel, copper, vital for clean energy, electronics, and defence.

 

[UPSC 2021] Consider the following statements:

1. The Global Ocean Commission grants licenses for seabed exploration and mining in international waters.

2. India has received licenses for seabed mineral exploration in international waters.

3. ‘Rare earth minerals’ are present on the seafloor in international waters.

Which of the statements given above are correct?

Options: (a) 1 and 2 only (b) 2 and 3 only* (c) 1 and 3 only (d) 1, 2, and 3

 

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Insolvency and Bankruptcy Code

In news: Bank for International Settlements (BIS)

Why in the News?

The Bank for International Settlements (BIS) has cautioned that record-high global share prices appear detached from concerns over rising government debt.

About the Bank for International Settlements (BIS):

  • Establishment: Formed in 1930, making it the world’s oldest international financial institution.
  • Role: Known as the “central bank for central banks”, serving only central banks & international organisations, not private entities or governments.
  • Headquarters: Basel, Switzerland; offices in Hong Kong & Mexico City.
  • Membership: Owned by 63 central banks, covering ~95% of global GDP.
  • Purpose: Promotes international monetary and financial cooperation and ensures global monetary stability.
  • Functions:
    • Platform for policy coordination & information sharing among central banks.
    • Provides banking services: reserve management, gold/forex transactions, liquidity support.
    • Acts as trustee/agent in global financial operations.
    • Conducts research, training, and seminars on financial stability.
    • Hosts Basel Committee on Banking Supervision (BCBS), which frames Basel norms.

India and the BIS:

  • Membership: Represented by the Reserve Bank of India (RBI) as a full member.
  • Representation: RBI Governor participates in BIS Board of Governors meetings.
  • Participation:
    • Engages in BIS research & policy discussions.
    • RBI officials join working groups on supervision, stability, and fintech.
  • Basel Norms: India, via RBI, has adopted Basel standards on capital adequacy, liquidity & risk management.
  • Innovation Hub: Collaborates with BIS on digital payments, central bank digital currencies (CBDCs), and cross-border fintech solutions.
[UPSC 2015] ‘Basel III Accord’ or simply ‘Basel III’ often seen in the news, seeks to

Options: (a) develop national strategies for the conservation and sustainable use of biological diversity

(b) improve banking sector’s ability to deal with financial and economic stress and improve risk management*

(c) reduce the greenhouse gas emissions but places a heavier burden on developed countries

(d) transfer technology from developed countries to poor countries to enable them to replace the use of chlorofluorocarbons in refrigeration with harmless chemicals

 

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