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

Archives: News

  • Banking Sector Reforms

    [pib] India Post Payments Bank (IPPB)

    Why in the News?

    The Minister of State for Communications has provided crucial information about the India Post Payments Bank (IPPB).

    About India Post Payments Bank (IPPB):

    Details
    What is it? Division of India Post under the Ministry of Communications, launched in 2018.

    Operates as payments bank.

    Vision and Principles Objective: Promote financial inclusion by providing accessible and affordable financial services.
    Customer-Centric: Focuses on delivering secure and affordable banking to rural and underserved areas.
    Empowerment Initiatives by IPPB Financial Inclusion: Offers savings accounts, current accounts, money transfers, bill payments, and insurance.
    Aadhaar-Linked Services: Implements Aadhaar-enabled Payment System (AePS) for easy and secure transactions.
    Doorstep Banking: Provides banking services through 3 lakh postmen and Grameen Dak Sewaks.
    Rapid Expansion: Reached 4 crore customers by December 2020 and crossed 8 crore customers by January 2022, with over 9 crore customers as of March 2024.

     

    Back2Basics: Payments Bank

    • A payments bank operates like a regular bank but without credit risk.
    • It was set up based on the recommendations of the Nachiket Mor Committee.
    • Objective: To promote financial inclusion, especially in unbanked areas, serving migrant workers, low-income households, and small entrepreneurs.
    • Payments banks are registered as public limited companies under the Companies Act, 2013, and licensed under the Banking Regulation Act, 1949.
    • Governed by the Banking Regulation Act, RBI Act, 1934, and the Foreign Exchange Management Act, 1999.
    • Services Offered:
        • Minimum paid-up equity capital is Rs. 100 crores.
        • Can accept deposits up to Rs. 2,00,000 in savings and current accounts.
        • 75% of deposits must be invested in government securities (SLR), with the remaining 25% placed as time deposits with other scheduled commercial banks.
        • Offers remittance services, mobile payments, ATM/debit cards, net banking, and third-party fund transfers.
        • Act as a banking correspondent (BC) for credit and other services.
    • Limitations:
      • Cannot issue loans or credit cards.
      • Cannot accept time deposits or NRI deposits.
      • Cannot set up subsidiaries for non-banking financial activities.

     

    PYQ:

    [2018] Which one of the following links all the ATMs in India?

    (a) Indian banks’ Association

    (b) National Securities Depository Limited

    (c) National Payments Corporation of India

    (d) Reserve Bank of India

  • Industrial Sector Updates – Industrial Policy, Ease of Doing Business, etc.

    [pib] Indian Chemical Council wins 2024 OPCW-The Hague Award

    Why in the News?

    The Indian Chemical Council (ICC) was honored with the prestigious Organisation for the Prohibition of Chemical Weapons (OPCW), The Hague Award during the 29th Session of the Conference of the States Parties.

    Significance of the OPCW-The Hague Award

    • Purpose: The award recognizes contributions to advancing the goals of the Chemical Weapons Convention (CWC), focusing on chemical safety, disarmament, and global security.
      • This year, the award was given to the Indian Chemical Council (ICC), the first chemical industry body to receive it, for its role in promoting chemical safety and CWC compliance.
    • Global Impact: The award emphasizes ICC’s work in collaboration with international bodies and advocacy for sustainable practices in chemical security.
    • Legacy: The OPCW, which won the Nobel Peace Prize in 2013, continues to honor impactful organizations and individuals contributing to the global disarmament agenda.

     

    What is the Chemical Weapons Convention (CWC)?

    Details
    What is it? CWC bans the development, use, and stockpiling of chemical weapons and mandates their destruction.
    Genesis: Negotiations began in 1980.
    Established: Opened for signature on January 13, 1993, and entered into force on April 29, 1997.
    • More comprehensive than the 1925 Geneva Protocol, which only banned the use of chemical weapons.
    Structure and Functions Conference of States Parties (CSP): The main decision-making body, meeting annually.
    Executive Council: 41-member body overseeing CWC implementation.
    Technical Secretariat: Provides support for verification and compliance.
    Verification: Inspects facilities and ensures compliance with the treaty.
    Membership criteria and members Open to all nations: Any state can join if it meets requirements.
    193 States-Parties: Includes most nations.
    Non-Signatories: Egypt, North Korea, and South Sudan have neither signed nor ratified the CWC.
    Functioning Arm Organization for the Prohibition of Chemical Weapons (OPCW) implements the CWC, headquartered in The Hague.
    Role: Oversees the destruction of chemical weapons and ensures treaty compliance.
    Inspection: Conducts inspections of chemical facilities worldwide.
    Awards: The OPCW won the Nobel Peace Prize in 2013 for its efforts in chemical weapons elimination.

     

    PYQ:

    [2016] With reference to ‘Organization for the Prohibition of Chemical Weapons (OPCW)’, consider the following statements:

    1. It is an organization of the European Union in working relation with NATO and WHO.
    2. It monitors the chemical industry to prevent new weapons from emerging.
    3. It provides assistance and protection to States (Parties) against chemical weapons threats. Which of the statements given above is/are correct?

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

  • Promoting Science and Technology – Missions,Policies & Schemes

    [pib] Schemes Implemented in Science and Technology

    Why in the News?

    The Ministry of Science and Technology, through its three key departments — Department of Science and Technology (DST), Department of Biotechnology (DBT), and Department of Scientific and Industrial Research (DSIR) — is implementing various schemes to bolster the Science, Technology, and Innovation (STI) ecosystem across India.

    Schemes Implemented Under the Department of Science and Technology (DST)

    Scheme   Objective Key Components
    Science and Technology (S&T) Institutional and Human Capacity Building (2015) Enhance human resource development and institutional capacity in science and technology. – Fellowships at various levels (undergraduate, postgraduate, doctoral, post-doctoral).
    – Establishment of sophisticated R&D facilities.
    – Capacity building for faculty.
    Research and Development (R&D) (2009) Support research in fundamental, applied, and translational sciences. – Collaborative research with universities, government, and private sectors.
    – International research cooperation.
    – Focus on diverse sectors like health, energy, and IT.
    Innovation, Technology Development, and Deployment (2016) Foster innovation and facilitate the development of new technologies for national development. – Technology incubation centers.
    – Technology transfer and commercialization.
    – Support for startups and entrepreneurs.
    National Mission on Interdisciplinary Cyber Physical Systems (NM-ICPS) (2017) Promote interdisciplinary research in Cyber Physical Systems (CPS) that integrate computational algorithms with physical processes. – Development of CPS technologies (e.g., IoT, smart cities, advanced manufacturing).
    – Setting up innovation centers and testbeds for CPS.
    National Quantum Mission (NQM) (2023) Advance quantum technologies for solving national challenges in energy, communications, and security. – Research in quantum computing, quantum communications, and quantum sensing.
    – Establishment of quantum technology hubs and research centers.

     

    Schemes Implemented Under the Department of Biotechnology (DBT)

    Scheme Objective Key Components
    Biotechnology Research Innovation and Entrepreneurship Development (Bio-RIDE) (2017) Foster innovation in biotechnology through research, industrial development, and entrepreneurship. Biotechnology R&D: Funding for research projects.
    Industrial & Entrepreneurship Development (I&ED): Support for biotech startups and industrial innovations.
    Biomanufacturing and Biofoundry: Development of manufacturing and biotechnological production systems.
  • Agricultural Sector and Marketing Reforms – eNAM, Model APMC Act, Eco Survey Reco, etc.

    Central government scheme to promote natural farming launched

    Why in the News?

    Recently, the Union Cabinet approved the “National Mission on Natural Farming (NMNF)”, a Centrally Sponsored Scheme by the Agriculture Ministry to promote natural farming nationwide in mission mode.

    What is Natural Farming?

    • Natural farming is defined by the Agriculture Ministry as a chemical-free agricultural system that relies solely on inputs derived from livestock and plant resources. This approach emphasizes the use of local agroecological principles and traditional knowledge, integrating crops, trees, and livestock to enhance biodiversity and soil health.
    • Aim: The goal is to rejuvenate soil quality while minimizing external inputs, thus reducing costs for farmers and promoting healthier food production.

    How is the NMNF Different from Earlier Interventions?

    The NMNF represents an evolution of previous initiatives, particularly the Bhartiya Prakritik Krishi Paddhti (BPKP), which was launched in 2019. 

    • Higher Budgetary Outlay: The NMNF has a total financial outlay of ₹2,481 crore, with ₹1,584 crore from the central government and ₹897 crore from states until 2025-26.
    • Targeting More Farmers: The mission aims to engage over one crore farmers, significantly expanding its reach compared to earlier efforts.
    • Establishment of Standards: It seeks to create scientifically supported standards and streamlined certification processes for naturally grown produce, along with a national brand for such products.

    Why is it Necessary to Diversify the Farming Basket?

    • Environmental Sustainability: Reducing chemical inputs helps restore soil health and biodiversity, making agriculture more resilient to climate change.
    • Economic Viability: By promoting local inputs and reducing dependency on purchased fertilizers, farmers can lower their costs and increase their profitability.
    • Food Security: A diverse agricultural system can lead to improved food quality and nutritional security for communities.

    Why a Mission on Natural Farming is Needed?

    • Excessive Fertilizer Use: The initiative targets districts with high fertiliser consumption, aiming to shift practices towards more sustainable methods that rejuvenate soil health and reduce environmental degradation.
    • Health Risks: By eliminating synthetic chemicals from farming, the mission aims to lower health risks associated with pesticide exposure for both farmers and consumers.
    • Climate Resilience: Natural farming practices enhance resilience against climate-related challenges such as droughts and floods by improving soil structure and water retention capabilities.

    Way forward: 

    • Policy and Infrastructure Support: Strengthen institutional frameworks by expanding Bio-input Resource Centres (BRCs), offering financial incentives, and ensuring easy access to natural farming resources and certification systems.
    • Awareness and Capacity Building: Conduct large-scale training programs for farmers on natural farming practices, promote successful models through Krishi Vigyan Kendras (KVKs), and foster collaborations with agricultural universities for research and innovation.

    Mains PYQ:

    Q What is an Integrated Farming System? How is it helpful to small and marginal farmers in India? (UPSC IAS/2022)

  • Poverty Eradication – Definition, Debates, etc.

    From a republic to a republic of unequals

    Why in the News?

    On November 26, 2024, India celebrated 75 years of its Constitution, honouring how leaders from different viewpoints worked together in the Constituent Assembly to build a nation that respects the rights and interests of all cultural groups.

    Why Did Constitution Makers Agree to Create a Liberal Political State in India?

    • Emphasis on Liberty: The Constitution-makers embraced liberalism, which prioritizes individual freedom and the belief that citizens should operate without state interference. This was seen as essential for realizing human potential in intellectual, moral, and physical dimensions.
    • Positive State Role: Recognizing the severe social and economic inequalities at Independence, the framers concluded that a purely liberal approach without state intervention would exacerbate these disparities. Thus, they envisioned a state that actively works to reduce inequality through affirmative action and policies designed to uplift marginalized groups.
    • Egalitarian Vision: The Constitution reflects principles of egalitarian liberalism, aiming to create an inclusive society where equal opportunities are available to all. This is evident in the Fundamental Rights and Directive Principles of State Policy (DPSP), which advocate for reducing inequalities and ensuring fair access to resources.

    How Does the Neoliberal Ideological Order Shadow the Constitutional Vision of Creating an Egalitarian Social Order in India?

    • Concentration of Wealth: The neoliberal agenda has facilitated wealth concentration among a small elite, undermining constitutional provisions intended to prevent such disparities.
      • The report that indicates that by 2022-23, 90% of billionaire wealth was held by upper castes in India is titled “Towards Tax Justice and Wealth Redistribution in India” (2024), prepared by the World Inequality Lab at the Paris School of Economics.
    • Shift in Economic Focus: Since the adoption of neoliberal reforms in the 1990s, there has been a marked shift towards prioritizing private capital investment over welfare state interventions.
    • Rising Inequality: Research indicates that income inequality has surged post-reforms, with the top 1% of earners capturing an increasing share of total income rising from 6% in the 1980s to approximately 22% by 2022-23.

    What Policy Measures Can Be Implemented to Address Inequality Effectively? (Way forward)

    • Strengthening Welfare Policies: Reinvigorating welfare state mechanisms to ensure basic needs are met for all citizens can help bridge the gap between different socio-economic groups. This includes enhancing social security systems and public health initiatives.
    • Affirmative Action: Expanding affirmative action policies can help uplift marginalized communities by ensuring their representation in education, employment, and political spheres.
    • Progressive Taxation: Implementing a more progressive tax system can redistribute wealth more equitably. Higher taxes on the wealthy can be used to fund social programs aimed at reducing poverty and improving access to education and healthcare.
    • Community Resource Management: Encouraging community-based management of resources can empower local populations and ensure equitable distribution of wealth generated from local economies.
    • Regulatory Frameworks: Establishing robust regulatory frameworks that prevent monopolistic practices and ensure fair competition can help mitigate wealth concentration and promote economic equity.

    Mains PYQ:

    Q COVID-19 pandemic accelerated class inequalities and poverty in India. Comment. (UPSC IAS/2020)

  • Cyclone Fengal

    Why in the News?

    • A depression over the Southwest Bay of Bengal has intensified into a deep depression and is likely to further intensify into Cyclone Fengal.
      • The system is currently close to an area with higher sea surface temperatures (SST), contributing to its potential intensification into a cyclonic storm.

    Origin of the Name ‘Fengal’

    • The name ‘Fengal’ was proposed by Saudi Arabia and is rooted in Arabic.
    • It reflects a combination of linguistic tradition and cultural identity.

    Cyclone Naming Process:

    • Cyclones in the North Indian Ocean are named by the World Meteorological Organization (WMO) and the United Nations Economic and Social Commission for Asia and the Pacific (UNESCAP) panel.
    • This panel includes 13 member countries, such as India, Bangladesh, Sri Lanka, and Pakistan, among others.
      • Each member country submits a list of potential cyclone names, and these names are used sequentially as cyclones form in the region.
      • This system, in place since 2004, ensures easy identification and effective communication of storms to the public.

     

    PYQ:

    [2015] In the South Atlantic and South Eastern Pacific regions in tropical latitudes, cyclone does not originate. What is the main reason behind this?

    (a) Sea Surface temperature are low

    (b) Inter Tropical Convergence Zone seldom occurs

    (c) Coriolis force is too weak

    (d) Absence of land in those regions

  • 5 women who helped draft the Constitution

    5 women who helped draft the Constitution

    Why in the News?

    On Constitution Day (November 26), President Murmu acknowledged the significant role of women members in the Constituent Assembly of India.

    5 Notable Women in the Constituent Assembly

    Name Their Contributions
    Ammu Swaminathan (1894-1978) • Co-founded the Women’s India Association in 1917 with leaders like Annie Besant.
    • Advocated for women’s education and rights.
    • Spoke on the Hindu Code Bill and gender equality in the Constituent Assembly.
    • Became the first woman elected to the Madras legislature.
    • After independence, served as India’s goodwill ambassador to countries like Russia, China, and the US.
    Annie Mascarene (1902-1963) • Born in Travancore to a Latin Christian family considered at the bottom of the caste system.
    • Advocated for universal adult franchise and against caste-based voting rights.
    • Joined the Travancore State Congress and fought for political representation of marginalized communities.
    • As a member of the Constituent Assembly, called for a strong Centre and autonomy for local governments.
    Elected as an independent candidate in 1952 from Thiruvananthapuram.
    Begum Qudsia Aizaz Rasul (1909-2001) • Hailing from a prominent family in Punjab, she faced resistance for her education, with a fatwa issued against her convent schooling.
    Fought for women’s rights and opposed separate electorates based on religion.
    Stayed in India post-partition and joined the Indian National Congress.
    Elected to the Rajya Sabha in 1952.
    • Helped promote women’s hockey in India.
    Dakshayani Velayudhan (1912-1978) First Dalit woman to graduate in science and the first Dalit woman in the Cochin Legislative Council.
    • Advocated for nationalism and opposed separate electorates for Dalits.
    • Strongly committed to social justice despite facing discrimination.
    • After independence, remained involved in the Dalit movement and continued advocating for social justice.
    Renuka Ray (1904-1997) • Came from an affluent family with a civil servant father and a progressive mother.
    • Joined the freedom struggle after meeting Mahatma Gandhi in 1920.
    • Advocated for women’s rights, particularly on divorce and inheritance.
    Represented women’s organizations in the Central Legislative Assembly in 1943.
    Opposed women’s reservation in legislatures, seeing it as a hindrance to women’s growth.
    • After losing the 1952 elections, returned to politics and worked on women’s empowerment.

     

    PYQ:

    [2011] With reference to Indian freedom struggle, Usha Mehta is well-known for:

    (a) Running the secret Congress Radio in the wake of Quit India Movement
    (b) Participating in the Second Round Table Conference
    (c) Leading a contingent of Indian National Army
    (d) Assisting in the formation of Interim Government under Pandit Jawaharlal Nehru

  • Animal Husbandry, Dairy & Fisheries Sector – Pashudhan Sanjivani, E- Pashudhan Haat, etc

    National Milk Day

    Why in the News?

    National Milk Day on November 26 commemorates the birth anniversary of ‘The Milkman of India’, Dr Verghese Kurien, who was credited with making India self-reliant in milk production.

    About National Milk Day:

    Details • Observed on November 26 to honor Dr. Verghese Kurien’s contributions to India’s dairy industry and the White Revolution.
    • Celebrates India’s transformation into the world’s largest milk producer.
    Contributions made by Varghese Kurien • Born on November 26, 1921, in Kozhikode, Kerala.
    • Played a key role in establishing Amul (1949) and transforming it into a global dairy brand.
    Inaugural chairman of the National Dairy Development Board (NDDB).
    • Led Operation Flood, which revolutionized India’s dairy industry and made it self-sufficient in milk production.
    • Received numerous awards, including the Ramon Magsaysay Award for Community Leadership (1963).
    About the White Revolution and Milk Production in India Initiated in 1970 through Operation Flood to increase milk production and reduce dependence on milk powder imports.
    Empowered dairy farmers by promoting a cooperative-based model for milk production.
    • By the late 1990s, India became the world’s largest milk producer, surpassing the US.
    Milk production grew threefold, from 21.2 million tonnes in 1968-69 to over 55 million tonnes by 1991-92.
    • Helped build the infrastructure for milk supply chains, processing plants, and storage facilities, making milk more accessible.
    • Significantly improved the income and livelihood of rural farmers, boosting employment and economic development.

    India is ranked 1st in milk production, contributing 24% of global milk production, reaching 230.58 million tonnes in 2022-23. 
  • Interstate River Water Dispute

    In news: Pennaiyar River

    In news: Pennaiyar River

    Why in the News?

    The Supreme Court has directed the Union government to submit the report on the Tamil Nadu-Karnataka Pennaiyar River Water Dispute.

    About Pennaiyar River

    Origin and Geological Composition • Also known as Thenpennai, originates on the eastern slope of Nandi Hills in Karnataka and flows through Tamil Nadu into the Bay of Bengal.
    Length: 497 km (2nd longest in TN); Catchment area: 3,690 km².
    77% of the drainage basin lies in Tamil Nadu.
    Bounded by the Velikonda, Nagari, Javadu, Shevaroy, Chitteri, and Kalrayan hills of the Eastern Ghats.
    • Lies in the tropical monsoon zone with monsoon (June–December) and non-monsoon (January–May) periods.
    Tributaries Tributaries include Markandanadhi, Kambainallur, Pambar, Vaniyar, Kallar, Valayar Odai, Pambanar, Aliyar, Musukundanadhi, and Thurinjalar.
    • Supported by monsoonal rains and reservoirs like Kelavarapalli, Krishnagiri, and Sathanur Dams.
    Important Sites along its Basin • Mentioned in Sangam literature for its lush vegetation.
    • Important temples include Penneswaraar Temple, Dakshina Tirupati, Veerateshwarar Temple, and Kabilar Kundru.
    Srivilliputhur Grizzled Squirrel Wildlife Sanctuary is a key protected area near the river.
    Used for irrigation in districts such as Chikkaballapur, Bengaluru Rural, Kolar, Krishnagiri, Dharmapuri, Tiruvannamalai, Viluppuram, and Cuddalore.

     

    PYQ:

    [2004] Assertion (A): West- flowing rivers of Peninsular India have no deltas:

    Reason (R): These Rivers do not carry any alluvial sediments.

    1. Both A and R are individually true and R is the correct explanation of A
    2. Both A and R are individually true but R is not the correct explanation of A
    3. A is true but R is false
    4. A is false but R is true
  • National Green Tribunal’s Role and Contributions

    NGT issues notice to Centre on expansion of Glacial Lakes

    Why in the News?

    The National Green Tribunal (NGT) has taken suo motu cognizance of the alarming rise in the number of Himalayan glacial lakes due to rising temperatures, highlighting the growing risk of natural disasters like floods and landslides.

    Central Water Commission’s (CWC) report on Glacial Lakes

    • Glacial lakes in the Himalayas have expanded by 10.81% in 13 years due to glacier melting caused by rising temperatures.
    • Between 2011 and 2024, India’s glacial lakes grew by 33.7%, highlighting the escalating threat.
    • The NGT noted that 67 lakes in India saw a surface area increase of over 40%, marking them as high-risk for GLOFs.
    • Key areas of expansion include Ladakh, Himachal Pradesh, Uttarakhand, Sikkim, and Arunachal Pradesh.

    About National Green Tribunal (NGT):

    About Establishment:

    • Formed in 2010 under the National Green Tribunal Act as a statutory body.
    • Aimed at addressing environmental issues and ensuring speedy implementation of decisions.
    • Known for making significant decisions, including addressing air pollution in Delhi and cancelling coal block clearances.

    Composition:

    • Headquartered in Delhi.
    • Chaired by a retired Supreme Court judge.
    • Includes Judicial Members and Expert Panel.

    Benches:

    • Principal bench in Delhi.
    • Additional benches in Bhopal, Pune, Kolkata, and Chennai.

    Powers and Functions of NGT • Empowered to decide on cases related to various environmental laws and hear civil cases concerning environmental issues.
    • Responsible for enforcement of:
    – The Water (Prevention and Control of Pollution) Act, 1974
    – The Air (Prevention and Control of Pollution) Act, 1981
    – The Environment (Protection) Act, 1986, and more.Exceptions:

    • Not authorized to hear cases under:
    – The Indian Forest Act, 1927
    – The Wildlife (Protection) Act, 1972
    – State laws related to the protection of trees, forests, etc.

    Governing Principles:

    • Governed by principles of natural justice, not bound by the Indian Evidence Act.
    • Applies the principles of sustainable development, precautionary approach, and the polluter pays principle.

    Review and Challenge:

    • NGT orders can be reviewed under Rule 22 of NGT Rules.
    • Orders can be challenged before the Supreme Court within ninety days.

     

    PYQ:

    [2018] How is the National Green Tribunal (NGT) different from the Central Pollution Control Board (CPCB)?

    1. The NGT has been established by an Act whereas the CPCB has been created by an executive order of the Government.

    2. The NGT provides environmental justice and helps reduce the burden of litigation in the higher courts whereas the CPCB promotes cleanliness of streams and wells and aims to improve the quality of air in the country.

    Which of the statements given above is/are correct?

    (a) 1 only

    (b) 2 only

    (c) Both 1 and 2

    (d) Neither 1 nor 2

Join the Community

Join us across Social Media platforms.