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  • Foreign Policy Watch: India-Pakistan

    India-Pakistan Trade

    20 January 2020 | | International Relations
    Mains Paper 2: India & Its Neighborhood – Relations

    Tensions between India and Pakistan in 2019 have reduced the already low volumes of trade between the two countries to near zero.

    India-Pakistan trade, in the beginning

    • In 1948-49, about 56% of Pakistan’s exports were to India, and 32% of its imports came from India.
    • From 1948-65, India and Pakistan used a number of land routes for bilateral trade; there were eight customs stations in Pakistan’s Punjab province and three customs checkpoints in Sindh.
    • India remained Pakistan’s largest trading partner until 1955-56. Between 1947 and 1965, the countries signed 14 bilateral agreements on trade, covering avoidance of double taxation, air services, and banking, etc.
    • In 1965, nine branches of six Indian banks were operating in Pakistan.

    Close to vanishing

    • Following the terrorist attack on the CRPF convoy in Pulwama in February, India withdrew Most Favoured Nation (MFN) status for Pakistan and raised customs duty on Pakistani imports to 200% .
    • In April, India suspended cross-LoC trade to stop the misuse of this route by Pakistan-based elements.
    • Pakistan on its part closed its airspace to India for a prolonged period.
    • The decisions by both countries, while targeted at hurting the neighbour, have severely impacted the livelihoods of individuals and families involved in cross-border trading activities.

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  • Mother and Child Health – Immunization Program, BPBB, PMJSY, PMMSY, etc.

    Pulse Polio Programme

    20 January 2020 | | Governance
    Mains Paper 2: Health & Education

    The beginning of this year’s Pulse Polio Programme was inaugurated from the Rashtrapati Bhavan itself.  To prevent the virus from coming to India, the government has since March 2014 made the Oral Polio Vaccination (OPV) mandatory for those travelling between India and polio-affected countries.

    The Pulse Polio Programme

    • India launched the Pulse Polio immunisation programme in 1995, after a resolution for a global initiative of polio eradication was adopted by the World Health Assembly (WHA) in 1988.
    • Children in the age group of 0-5 years are administered polio drops during national and sub-national immunisation rounds (in high-risk areas) every year.

    India is polio-free

    • According to the Ministry of Health, the last polio case in the country was reported from Howrah district of West Bengal in January 2011.
    • The WHO on February 24, 2012, removed India from the list of countries with active endemic wild polio virus transmission.
    • Two years later, the South-East Asia Region of the WHO, of which India is a part, was certified as polio-free.

    Back2Basics

    What is Polio?

    • The WHO defines polio or poliomyelitis as a highly infectious viral disease, which mainly affects young children.
    • The virus is transmitted by person-to-person, spread mainly through the faecal-oral route or, less frequently, by a common vehicle (e.g. contaminated water or food) and multiplies in the intestine, from where it can invade the nervous system and can cause paralysis.
    • Initial symptoms of polio include fever, fatigue, headache, vomiting, stiffness in the neck, and pain in the limbs. In a small proportion of cases, the disease causes paralysis, which is often permanent.
    • There is no cure for polio, it can only be prevented by immunization.

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  • Oil and Gas Sector – HELP, Open Acreage Policy, etc.

    Natural Gas Grid (NGG)

    20 January 2020 | | Economics
    Mains Paper 3: Infrastructure: Energy, Ports, Roads, Airports, Railways Etc.

    A study to facilitate the development of a National Gas Grid is to be undertaken soon by a U.S. entity. The Government has last year envisaged developing the NGG.

    National Gas Grid

    • At present about 16,788 Km natural gas pipeline is operational and about 14,239 Km gas pipelines are being developed to increase the availability of natural gas across the country.
    • These pipelines have been authorized by Petroleum and Natural Gas Regulatory Board (PNGRB) and are at various stages of execution viz. Pre-Project activities/laying/testing/commissioning etc.

    Aims and Objective

    • To remove regional imbalance within the country with regard to access of natural gas and provide clean and green fuel throughout the country.
    • To connect gas sources to major demand centres and ensure availability of gas to consumers in various sectors.
    • Development of City Gas Distribution Networks in various cities for supply of CNG and PNG.

    NGG Technical Assistance Program

    • The India NGG Technical Assistance programme stems from an agreement in September between PNGRB and the US Trade Development Agency (USTDA).
    • The study will aim at developing an economic basis for building India’s Natural Gas Grid (NGG).

    Utility of the study

    • It would provide an update on the gas demand analysis, including anchor consumers, industries, city gas distribution (CGD) and emerging demand centres such as CNG and LNG for road transport.
    • The study will take a fresh look at the gas supply analysis too. This includes review of LNG imports, domestic supply, potential transnational gas pipeline imports and virtual pipelines.
    • Share of natural gas in India’s energy basket is 6.2% as against 23.4% globally and is expected to increase.

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  • Innovations in Biotechnology and Medical Sciences

    IVF of White Rhinos

    20 January 2020 | Species | Science and Technology
    Mains Paper 3: S&T – Applications In Everyday Life

    Researchers had created another embryo — the third — of the nearly extinct northern white rhino. This is seen as a remarkable success in an ongoing global mission to keep the species from going extinct.

    What is IVF?

    • IVF is a type of assisted reproductive technology used for infertility treatment and gestational surrogacy.
    • A fertilised egg may be implanted into a surrogate’s uterus, and the resulting child is genetically unrelated to the surrogate.
    • Some countries have banned or otherwise regulate the availability of IVF treatment, giving rise to fertility tourism.
    • Restrictions on the availability of IVF include costs and age, in order for a woman to carry a healthy pregnancy to term.
    • IVF is generally not used until less invasive or expensive options have failed or been determined unlikely to work.

    IVF process

    • In vitro fertilisation (IVF) is a process of fertilization where an egg is combined with sperm outside the body, in vitro (“in glass”).
    • The process involves monitoring and stimulating a female ovulatory process, removing an ovum or ova (egg or eggs) from the female ovaries and letting sperm fertilise them in a liquid in a laboratory.
    • After the fertilised egg (zygote) undergoes embryo culture for 2–6 days, it is implanted in the same or another female uterus, with the intention of establishing a successful pregnancy.

    Types of Rhinos

    • The northern white is one of the two subspecies of the white (or square-lipped) rhinoceros, which once roamed several African countries south of the Sahara.
    • The other subspecies, the southern white is, by contrast, the most numerous subspecies of rhino, and is found primarily in South Africa.
    • There is also the black (or hook-lipped) rhinoceros in Africa, which too, is fighting for survival, and at least three of whose subspecies are already extinct.
    • The Indian rhinoceros is different from its African cousins, most prominently in that it has only one horn.
    • There is also a Javan rhino, which too, has one horn, and a Sumatran rhino which, like the African rhinos, has two horns.

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  • Civil Aviation Sector – CA Policy 2016, UDAN, Open Skies, etc.

    Drone Census

    20 January 2020 | | Science and Technology
    Mains Paper 3: Awareness in various sc and tech fields

    India’s first drone census has seen only 2,500 Ownership Acknowledgment Numbers (OANs) being issued by the Ministry of Civil Aviation (MoCA) since five days of beginning.

    Drone Census

    • The MoCA had issued a notice providing a one-time opportunity for voluntary disclosure of all drones and operators starting from January 14.
    • The DGCA issued the Civil Aviation Requirements (CAR), Section 3 – Air Transport Series X, Part I, Issue I, dated August 27, 2018 regulates use of drones.
    • It provides the process for obtaining Unique Identification Number, Unmanned Aircraft Operator Permit (UAOP) and other operational requirements; there are drones that do not comply with the CAR.
    • If a drone is not enlisted by 5 p.m. on January 31, then it will most definitely be confiscated.
    • After January 31, only authorised retailers will be allowed to sell them after uploading buyers’ Know your Customer (KYC) and sale invoice, similar to the sale of mobile phones and cars.

    Why such move?

    • The exercise will give the government a picture of who owns what kind of drone in which part of the country.
    • It will help in making policy decisions that should ideally become the base for understanding the scale of operations.

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  • Wildlife Conservation Efforts

    Irrawaddy Dolphins

    20 January 2020 | Prelims Only | Environment
    Mains Paper 3: Conservation, Environmental Pollution & Degradation, Eia

    146 Irrawaddy dolphins were recently sighted in Chilika Lake of Odisha. The lake has highest single lagoon population of the aquatic mammal in the world.

    Irrawaddy Dolphins

    • IUCN Status: Endangered
    • Scientific Name: Orcaella brevirostris
    • Habitats: Lakes, Rivers, Estuaries, and Coasts

    • The Irrawaddy dolphin is a euryhaline species of oceanic dolphin found in discontinuous subpopulations near sea coasts and in estuaries and rivers in parts of the Bay of Bengal and Southeast Asia.
    • They are also found in coastal areas in South and Southeast Asia, and in three rivers: the Ayeyarwady (Myanmar), the Mahakam (Indonesian Borneo) and the Mekong.
    • The total population of these aquatic mammals in the world is estimated to be less than 7,500.
    • Of these, more than 6,000 Irrawaddy dolphins have been reported from Bangladesh, while the dolphin distribution in Chilika is considered to be the highest single lagoon population.

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  • Indian Missile Program Updates

    K-4 Missile

    20 January 2020 | | Internal Security
    Mains Paper 3: Various Security Forces, Agencies & Their Mandates

    India successfully test-fired the 3,500-km range submarine-launched ballistic missile, K-4. The test was carried out by the DRDO from a submerged pontoon off the Visakhapatnam coast around noon.

    K-4

    • K-4 is a nuclear-capable Intermediate-range submarine-launched ballistic missile developed and tested successfully in the month of January 2020 by DRDO.
    • The missile has a maximum range of about 3500 km.
    • Once inducted, these missiles will be the mainstay of the Arihant class of indigenous ballistic missile nuclear submarines (SSBN).
    • It will give India the standoff capability to launch nuclear weapons submerged in Indian waters.

    What’s so special about K-4?

    : Circular Error Probability

    • India’s Circular Error Probability (CEP) is much more sophisticated than Chinese missiles.
    • The CEP determines the accuracy of a missile.
    • The lower the CEP, the more accurate the missile is.
    • There are very few countries which have managed to achieve this technological breakthrough.

    About INS Arihant

    • The Advanced Technology Project (ATV) began in the 1980s and the first of them, Arihant, was launched in 2009.
    • INS Arihant, the first and only operational SSBN is armed with K-15 Sagarika missiles with a range of 750 km.
    • Given India’s position of ‘No-First-Use’ (NFU) in launching nuclear weapons, the SSBN is the most dependable platform for a second-strike.
    • Because they are powered by nuclear reactors, these submarines can stay underwater indefinitely without the adversary detecting it.
    • The other two platforms — land based and air launched are far easier to detect.

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  • Parliament – Sessions, Procedures, Motions, Committees etc

    Cabinet Committee on Investment and Growth (CCIG)

    18 January 2020 | |
    Mains Paper 2: Ministries & Departments Of The Government

    • In an austerity move, the Union government has decided to reduce wasteful expenditure on items such as travel and food by 20 percent, it is learnt.
    • A decision of this effect was taken at a recent meeting of the Cabinet Committee on Investment and Growth (CCIG) chaired by Prime Minister Narendra Modi.
    • All ministries have been directed to reduce wasteful expenditure on travel, food and conferences by 20 percent.
    • Note: The CCIG was recently created in June 2019.

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  • Digital India Initiatives

    [op-ed of the day] Business possibilities in a world of digital payments

    18 January 2020 | op-ed snap | Economics
    Mains Paper 3: Indigenization Of Technology

    Context

    UPI has brought digital payments to the common man and it has immense scope for growth.

    Zero MDR rate

    • Recently the finance minister made the announcement of the zero merchant discount rate (MDR) policy for payments through RuPay debit cards and Unified Payments Interface (UPI) instruments.
    • What does it mean? This policy dictates that when a consumer pays a merchant using RuPay or UPI, the bank may not charge the merchant a commission on the sale value that it usually charges a merchant.
    • Criticism of the move: Critics of this policy lament that it would begin to reverse the progress India has made in recent years to expand the digital payments network.

    Some facts and figures

    • Setting up of NPCI: In 2008 the National Payments Corporation of India (NPCI) was set up as an umbrella organization for operating retail payments and settlements in India. 
    • UPI:  In 2016, NPCI introduced UPI.
      • UPI has since registered 100 million users.
      • UPI now clocks more than 1 billion transactions every month.
    • Growth prospects for mobile payments: According to the NITI Aayog, mobile payments in India are expected to grow nearly 20-fold to $190 billion in the next three years.
    • Digital payment for the common man: There are 1 billion mobile phone users in India.
    • 420 million users have a feature phone, these users can use the *99# USSD service to dial into 13 different languages.
    • Which would connect them to UPI and brings digital payments to the common man.

    Need for innovation

    • We are far behind: India is far behind china, where 55% of spending is done digitally, compared to only 11% in India.
      • The outlook for future growth is mind-boggling.
      • There is a need for innovation at three levels.
    • First level-Adoption
      • A better understanding of human behaviour, technology, use cases and dis-use cases will facilitate the 10x growth necessary in adoption rates to cover the entire population.
    • Second level-Policy
      • The government has the rare opportunity to develop a data-centric understanding of how the economy conducts itself and uses money, and can set taxes accordingly.
    • Third level-Technology
      • Voice for authentication: At the technology level, there is an opportunity to use voice as a means for authentication and conduct transactions across multiple local languages.
      • Data analysis: Copious amounts of data from payment transactions can be analysed to understand user needs and develop personalized loans and financial solutions at scale.

    Taking UPI to Global Level

    • UPI in Singapore and UAE: The NCPI is gearing up to take UPI to other countries, beginning with Singapore and the United Arab Emirates.
      • NCPI is working with its counterpart in Singapore, the Network for Electronic Transfers for Singapore, to bring UPI live in Singapore.
    • The low hanging fruit is to provide payment solutions to Indians travelling abroad.
    • Competition with global peers: The bigger and tougher game is to increase its usage among local people in countries outside India.
      • This would put UPI in competition with the likes of PayPal and Skrill.

    Conclusion

    We have seen just the tip, albeit a very substantial tip, of the digital payments iceberg. In the coming years, young business leaders of today must learn to uncover the iceberg itself.

     

     

     

     

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  • Banking Sector Reforms

    [op-ed snap] When the FRDI Bill Returns

    18 January 2020 | op-ed snap | Economics
    Mains Paper 3: Indian Economy

    Context

    The amendments to the FRDI Bill, 2017—now renamed the Financial Sector Development and Regulation (Resolution) Bill, 2019—are being worked out.

    Three crucial issues

    • Specifics are being worked out in the bill on three crucial issues.
      • First issue: The first issue is regarding the increase in the deposit insurance cover of customers.
      • Second issue: To iron out the contentious issues related to the bail-in clause
      • Third issue: To decide whether this resolution framework should apply to the public sector banks.
    • Advantages of the move: At a time when the public sector banks have come under the stress of bad loans, increasing the deposit insurance coverage limit would be a welcome approach.
      • Increasing the depositor’s confidence: The move will reinforce depositors’ confidence in the banking system in general, and the public sector banks in particular.

    The issue of the government “ownership” of the banks and financial stability

    • Ownership of government: The role of the “ownership” of banks towards financial stability is a much-debated issue in the country.
      • RBI is positive about govt. ownership: The Reserve Bank of India (RBI) has attributed a positive role to the government ownership of banks in attaining financial stability.
      • The issue of competitive neutrality: Committee to Draft Code on the Resolution of Financial Firms has blamed govt. ownership for causing a “lack of competitive neutrality” in the financial sector.
      • Need of level playing field: Committee argued for the need of a “level playing field” for both the public and private sector financial firms for the sake of competitive neutrality.
      • The concept of an overarching resolution framework for all financial firms gained traction.

    Would the all-encompassing Resolution Corporation be efficacious?

    • The FRDI Bill, 2017 sought to amend as many as 20 legislations for the diverse financial sector in this country, which is regulated by various institutions, like-
      • RBI for the banks and the non-banking financial corporations.
      • Insurance Regulatory and Development Authority (IRDA) for the insurance markets,
      • Securities and Exchange Board of India (SEBI) for securities markets and mutual funds.
      • The Pension Fund Regulatory and Development Authority for pension funds.
    • The pertinent question
      • The pertinent question is whether an all-encompassing resolution corporation can be really efficacious for the much-discussed financial stability of this country.

     

    Fundamental issues

    • Neutrality of ownership
      • Different motives behind operations: While private financial institutions are predominantly governed by profit motives, for the public sector agencies, various social obligations, such as “financial inclusion,” assume primacy.
      • Reason for commoner’s confidence: It is the sense of the government’s involvement (or ownership) that has forged commoners’ confidence to park their financial savings with them.
      • The move may end up destabilising the financial sector: If the sovereign guarantee and resolving power are taken away from the government domain to some resolution corporation, it may destabilise the financial system.
    • The Bail-in clause
      • Deposit over 1 lakh included in bail-in mechanism: The FRDI Bill 2017 suggests that deposit amounts over and above the cover limit (which currently is at one lakh) will be included in the bail-in mechanism.
      • Further, despite the RBI’s caution against financial instability, short-term debts and uncategorised client assets are also currently under this mechanism.
      • The falling growth rate of deposits: These provisions and the bill per se came against the backdrop of the Financial Stability Report, 2017 that revealed a 3.3% drop in the year-on-year growth rate of deposits for all scheduled banks in the country.

    Conclusion

    In the context of decelerating financial stability, the government needs to undertake these resolution reforms with caution that the reforms do not end-up eroding depositors’ faith in the domestic financial institutions.

     

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