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Renewable Energy – Wind, Tidal, Geothermal, etc.

Cabinet approves BioE3 Policy for Fostering High-Performance Biomanufacturing  

Note4Students

From UPSC perspective, the following things are important :

Prelims level: BioE3 Policy;

Mains level: Significance of BioE3 Policy;

Why in the News?

The Union Cabinet has approved the ‘BioE3 (Biotechnology for Economy, Environment, and Employment) Policy’ proposed by the Department of Biotechnology to promote advanced biomanufacturing.

What is the BioE3 Policy?

The BioE3 (Biotechnology for Economy, Environment and Employment) Policy is a strategic initiative approved by the Indian Cabinet to foster high-performance biomanufacturing. 

Aims and Objectives of the Policy:

  • Innovation Support: The policy promotes research and development (R&D) and entrepreneurship in various thematic sectors, facilitating technological advancement and commercialization.
  • Biomanufacturing Hubs: It proposes the establishment of Biomanufacturing & Bio-AI hubs and Biofoundries to enhance India’s bioeconomy.
  • Focus Areas: The policy targets several strategic sectors, including high-value bio-based chemicals, biopolymers, smart proteins, precision biotherapeutics, climate-resilient agriculture, carbon capture, and marine and space research.

Significance of the Policy

  • Economic Growth: It is expected to catalyze a “bio revolution” similar to the IT revolution, generating substantial job opportunities in biotechnology and biosciences.
  • Sustainability Goals: The policy aligns with government initiatives for achieving a ‘Net Zero’ carbon economy and promotes sustainable lifestyles, thereby steering India towards accelerated green growth and a circular bio-economy.
  • Job Creation: By expanding the skilled workforce in biotechnology, the policy aims to create various kinds of employment opportunities, addressing critical societal issues such as climate change, food security, and human health.

Present Status of Indian Bio-economy

  • Growing Potential: The biotechnology sector is seen as a key player in addressing challenges in health, agriculture, environment, and energy. India has a large pool of young, skilled workers, with 47% of its population under the age of 25.
  • Investment in R&D: Despite its potential, India spends less than 1% of its GDP on research, compared to countries like Israel and South Korea, which invest over 4%.
  • Existing Infrastructure: The government has established 9 biotech parks and 60 bio-incubators, which support the growth of the biotechnology sector.

Challenges Ahead

  • Educational Gaps: The current educational curriculum does not adequately prepare students for industry demands, creating a skills mismatch.
  • Funding Issues: There is a lack of venture capital funding due to information asymmetry regarding the biotech industry, which hampers innovation and growth.
  • Clinical Trials: India conducts a low percentage of clinical trials compared to global standards, which is a concern for the development of biopharmaceuticals.
  • Research Investment: The government currently covers over 60% of total R&D spending, which is very different from countries where the private sector contributes a large portion.

Way forward: 

  • Enhance Industry-Academia Collaboration: Encourage partnerships between educational institutions and biotech companies to align curricula with industry needs, thereby reducing the skills mismatch and preparing students for emerging job markets.
  • Increase Private Sector Investment: Implement policies and incentives to attract more private sector investment in R&D, such as tax benefits, public-private partnerships, and improved access to venture capital, to stimulate innovation and reduce reliance on government funding.

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Panchayati Raj Institutions: Issues and Challenges

Moving the spotlight to grassroots democracy  

Note4Students

From UPSC perspective, the following things are important :

Prelims level: 73rd and 74th amendments;

Mains level: Issue of Disempowerment of State Election Commissions (SECs);

Why in the News?

The Election Commission of India (ECI) has established itself as one of India’s most credible institutions, known for consistently conducting free, fair, and timely elections to Parliament and State legislatures. However, the 34 State Election Commissions (SECs) still require significant attention and strengthening.

Issue of Disempowerment of State Election Commissions (SECs)

The Constitution (73rd and 74th amendments) vested SECs with the responsibility of conducting elections to panchayats and urban local governments, but in reality, SECs are increasingly disempowered by state governments.

  • Legal and Administrative Challenges: SECs sometimes find themselves in litigation with state governments. For instance, the Karnataka SEC has had to file contempt petitions against the state government for failing to fulfill commitments related to the conduct of elections, highlighting a lack of cooperation from state authorities.
  • Inadequate Empowerment: Many SECs do not have the power to conduct delimitation of wards or manage the electoral rolls independently. This results in reliance on the Election Commission of India (ECI) and state governments, which can lead to arbitrary decisions that delay elections.
    • Only 11 out of 34 states and UTs have empowered SECs to conduct ward delimitation, accounting for just 35% of India’s population.
  • Lack of Resources: SECs are legally entitled to request funds and assistance from state governments, but they often do not receive adequate resources, which hampers their ability to conduct elections effectively.
  • Public Trust Erosion: The delays and challenges faced by SECs undermine public confidence in local governance and electoral processes, leading to a perception that local elections are not as credible as those conducted by the ECI for national and state elections
  • Election not on time: Performance audits by the CAG found that 70% of urban local governments in 18 states did not have elected councils at the time of the audit due to delays caused by disempowered SECs.

Electoral Reforms Needed to Strengthen the Third Tier

  • Parity with the Election Commission of India: SECs should be made as transparent and independent as the Election Commission of India.
    • This could be achieved by appointing a three-member SEC through a committee comprising the Chief Minister, Leader of Opposition, and Chief Justice of the High Court, rather than by the State government alone.
  • Fixed Intervals for Delimitation: The delimitation of ward boundaries and reservations should be conducted at fixed intervals, such as every 10 years, to prevent arbitrary actions by State governments that delay elections.
  • Transfer of Powers to SECs: The powers of delimitation and reservation of seats for local governments should be vested in the SECs. SECs should also handle reservations for positions like mayors and presidents to avoid delays caused by State governments.

Conclusion: Strengthening SECs through these reforms is essential to ensure timely, transparent, and credible local elections, thereby reinforcing grassroots democracy and public trust in local governance.

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Foreign Policy Watch: India-Australia

What does Australia’s new cap on a number of international students mean?  

Note4Students

From UPSC perspective, the following things are important :

Mains level: Indian students in developed countries;

Why in the News?

Australia’s Education Minister announced a plan to establish a National Planning Level (NPL) that will cap the number of new international students at 2.7 lakh for the 2025 calendar year, subject to parliamentary approval.

What does the 2025 Cap entail?

  • Australia plans to introduce a cap on new international students at 2.7 lakh for the calendar year 2025.
  • Distribution of Seats:
    • Publicly funded universities: 1.45 lakh students (maintaining 2023 levels).
    • Vocational education and training (VET) sector: 95,000 new students.
    • Other universities and non-university providers: 30,000 students.
  • Certain categories, such as school students, research degree pursuers, students in standalone English language courses, government-sponsored scholars, and students from specific regions (e.g., Asia Pacific), are exempt from the cap.

Trends in Indian Student Enrollment in Australia:

  • In 2023, Australia admitted 5.61 lakh international students, in 2022, it saw 3.88 lakhs, in 2021, it had 2.82 lakhs, in 2020, it had 3.96 lakhs, and in 2019, it saw 5.19 lakh students.
  • 2024 Projections: Between January and May 2024, the total student commencements reached 2.89 lakh, with additional intakes expected later in the year, possibly surpassing 2023 levels.
  • Five-Year Trend: The 2025 cap will result in the lowest intake in the past five years, considering the effects of the COVID-19 pandemic on previous years’ admissions.

Possible Impacts on Indians Since Last Year:

  • Enrollment Numbers: The number of Indian students in Australia saw a decline from 126,487 in 2023 to 118,109 in 2024.
  • This comes on the back of moves by the Australian government to curb migration over the past six months, including higher IELTS band score requirements and the Genuine Student Test for applicants.
    • Universities, especially the Group of Eight (Go8) research-intensive universities, have criticized the capping as a “bad policy” that will adversely impact them.
  • Rising Costs: The Australian government increased the visa processing fee from AUD 710 to AUD 1,600 (approximately Rs 40,524 to Rs 91,321) as of July 1, 2024. This could deter prospective applicants due to financial constraints.

Way Forward: 

  • Increase Scholarships and Financial Aid: The Australian government and universities should offer more scholarships and financial aid packages to offset the higher costs and attract international students, particularly from India.
  • Strengthen Bilateral Education Ties: Enhance collaboration between Australian and Indian educational institutions to create joint programs and exchange opportunities, ensuring a steady flow of students despite the cap.

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Women empowerment issues – Jobs,Reservation and education

Analyzing the Gender Budget of 2024-25   

Note4Students

From UPSC perspective, the following things are important :

Prelims level: Gender Budget;

Mains level: Issues related to Gender Budget;

Why in the News?

Women-led development is central in this year’s Budget, with Gender Budget allocations reaching 1% of GDP and over ₹3 lakh crore for pro-women programs.

About Gender Budgeting in India: 

  • The Gender Budget Statement (GBS) was introduced in the 2005-06 budget.
  • GBS has consistently represented an average of 5% of total budgetary allocations since its introduction, with minor fluctuations.
  • In the 2024-25 budget, the share of allocations to pro-women schemes has increased to approximately 6.8% of the total budget expenditure.

Different Components of the Gender Budget Statement

The Gender Budget Statement (GBS) is structured into three main parts:

  • Part A: This section includes schemes and programs that have 100% allocation specifically for women.
  • Part B: This part covers schemes with more than 30% but less than 100% of their allocations directed towards women.
  • Part C: Introduced recently, this section reports pro-women schemes that have less than 30% provisioning for women.

Instances of Missing Allocations Reported by Experts:

  • Pradhan Mantri Awas Yojana (PMAY): Initially, only a portion of PMAY’s budget was reported under Part B, which led to an underrepresentation of its impact on women. The entire allocation of ₹80,670 crore for 2024-25 was later moved to Part A, raising concerns about the accuracy of reporting since not all beneficiaries are women.
  • PM Employment Generation Programme (PMEGP): The GBS reported an allocation of ₹920 crore, which was claimed to be 40% of the total allocation to PMEGP, without a clear rationale for this percentage.
  • Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS): Although women constituted 59.3% of all person-days under MGNREGS, only 33.6% of its total outlay was reflected in the GBS, indicating a significant underreporting of women’s engagement and benefits from the scheme.

How should these anomalies be rectified by the Government (Way forward):

  • Incorporate Explanations: Providing clear explanations for the allocations reported in the GBS would enhance transparency and accountability.
  • Audit of Budgetary Allocation: The government should involve regular audits and assessments of how budgetary allocations impact gender equality.
  • Engage Stakeholders: Involving experts and stakeholders in the process of developing the GBS can provide insights into the specific needs of women and help ensure that the budget effectively addresses those needs.

Mains PYQ: 

Q Women empowerment in India needs gender budgeting. What are requirements and status of gender budgeting in the Indian context? (2016)

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ISRO Missions and Discoveries

Study reveals intriguing Magnetic behavior on Mars

Note4Students

From UPSC perspective, the following things are important :

Prelims level: Magnetic Anomalies of Mars

Why in the News?

A study conducted by the Indian Institute of Geomagnetism (IIG) revealed significant variations in the strength of Mars’ crustal magnetic field between day and night.

Notable facts about Mars:

  • Mars is the fourth planet from the Sun and the second-smallest in the Solar System, larger only than Mercury.
  • Named after the Roman god of war, Mars is often called the “Red Planet” due to its reddish appearance from iron oxide on its surface.
  • It is a terrestrial planet with a thin atmosphere, featuring surface characteristics like impact craters, valleys, deserts, and polar ice caps.
  • Mars shares similar days and seasons to Earth because of its comparable rotational period and axial tilt.
  • It hosts Olympus Mons, the largest volcano and highest mountain on any planet, and Valles Marineris, one of the largest canyons in the Solar System.

Key Findings on Mars’s Magnetic 

  • Mars’ crustal magnetic field is significantly stronger during the daytime and nearly non-existent at night-time.
    • This suggests a diurnal variation in the magnetic field strength on the Martian surface.
  • The crustal magnetic field of Mars is primarily located in the southern hemisphere, specifically poleward of 30°S latitude.
  • The magnetic fields are scattered within a region between 120° E and 240° E, indicating uneven distribution across the Martian surface.
  • The daytime crustal magnetic field plays a crucial role in controlling the ionosphere in Mars’ southern hemisphere.
  • This influence impacts communication and navigation systems of future missions.

Data Utilization from MAVEN Satellite:

  • The study utilized data from the MAVEN (Mars Atmosphere and Volatile EvolutioN) Satellite, which has been orbiting Mars since 2014.
  • MAVEN’s data on electron density and magnetic field were critical in investigating how Mars’ crustal magnetic field affects its plasma environment and ionosphere.

Significance of the Study

  • Understanding Mars’ crustal magnetic field is essential for future robotic and manned missions, as it provides natural magnetic shielding against space radiation.
  • The insights from the study can help in developing strategies to mitigate the effects of space weather on spacecraft and astronauts.

PYQ:

[2016] The Mangalyaan launched by ISRO

  1. is also called the Mars Orbiter Mission.
  2. made India the second country to have a spacecraft orbit the Mars after USA
  3. made India the only country to be successful in making its spacecraft orbit Mars in its very first attempt.

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

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Higher Education – RUSA, NIRF, HEFA, etc.

[pib] Retired Sportsperson Empowerment Training (RESET) Program

Note4Students

From UPSC perspective, the following things are important :

Prelims level: RESET Programme

Why in the News?

The Ministry of Youth Affairs & Sports launched the “RESET Programme” to empower retired sportspersons with career skills on National Sports Day.

What is RESET Programme?

Details
Launch Date August 29, 2024 (National Sports Day)
Nodal Ministry Ministry of Youth Affairs & Sports
Objective To empower retired sportspersons with skills and knowledge for career development and employability
Eligibility – Retired athletes aged 20-50 years
– Winners/participants in international events, national/state medallists
– Recognized by National Sports Federations/IOA/Ministry of Youth Affairs and Sports
Programme Levels Two levels based on educational qualifications:
– Class 12th and above
– Class 11th and below
Implementation Lead institute: Lakshmibai National Institute of Physical Education (LNIPE)
Learning Mode Hybrid mode: Self-paced online learning and on-ground training
Additional Support Placement assistance, guidance for entrepreneurial ventures

 

PYQ:

[2017] Consider the following in respect of ‘National Career Service’:

1. National Career Service is an initiative of the Department of Personnel and Training, Government of India.

2. National Career Service has been launched in a Mission Mode to improve the employment opportunities to uneducated youth of the country.

Which of the above statements is/are correct?

(a) 1 only

(b) 2 only

(c) Both 1 and 2

(d) Neither 1 nor 2

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Disasters and Disaster Management – Sendai Framework, Floods, Cyclones, etc.

Land-Based Deep Depression causing extreme floods in Gujarat

Note4Students

From UPSC perspective, the following things are important :

Prelims level: Land-Based Deep Depression

Why in the News?

  • Gujarat and parts of Rajasthan are facing severe flooding caused by a land-based deep depression.
    • The unusual formation of this deep depression over land was intensified by moisture influx from soils or the Bay of Bengal and the Arabian Sea.

What is Land-Based Deep Depression?

  • A land-based deep depression is a type of cyclonic system characterized by a significant drop in atmospheric pressure leading to sustained wind and significant weather impact.
  • They form and intensify over land, which is relatively rare due to the limited availability of moisture.
  • Characteristics:
    • It forms over land or water.
    • Wind Speed ranges from 51 to 62 km/h, just below the threshold for a tropical cyclone (62-88 km/h).
    • Relies on moisture from soil and surrounding environments rather than oceanic sources.
    • It often has an unpredictable path and can cause significant rainfall and localized flooding.

Implications of Land-Based Deep Depressions

  • These systems can bring prolonged and intense rainfall, leading to widespread flooding, especially in regions unaccustomed to high levels of precipitation.
  • Heavy rainfall can lead to significant soil erosion, affecting agricultural productivity and altering landscapes.
  • Prolonged flooding can cause waterlogging in agricultural fields, leading to soil salinization and reduced fertility.

PYQ:

[2012] Consider the following statements:

1. The duration of the monsoon decreases from southern India to northern India.

2. The amount of annual rainfall in the northern plains of India decreases from east to west.

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

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Wildlife Conservation Efforts

Species in News: Atlantic Bluefin Tuna

Note4Students

From UPSC perspective, the following things are important :

Prelims level: Atlantic Bluefin Tuna

Why in the News?

The Atlantic bluefin tuna, already heavily overfished, now faces a new threat from warming seas, causing it to migrate further north.

Atlantic Bluefin Tuna (Thunnus thynnus)

Details
Scientific Classification Family: Scombridae; Species: Thunnus thynnus.
Common Names Northern bluefin tuna, Giant bluefin tuna (for individuals over 150 kg), formerly known as “tunny”.
Habitat and Range Western and Eastern Atlantic Ocean, Mediterranean Sea; extinct in the Black Sea.
Size Can weigh up to 680 kg; one of the largest Perciformes.
Commercial Importance Highly valued in the Japanese market for sushi and sashimi; foundation of a major global fishery.
Conservation Status Overfished; dramatic stock declines (72% in Eastern Atlantic, 82% in Western Atlantic);

Moved to “Least Concern” by IUCN in 2021 due to some population recovery;

Proposed for CITES Appendix I.

 

PYQ:

[2015] With reference to the International Union for Conservation of Nature and Natural Resources (IUCN) and the Convention on International Trade in Endangered Species of Wild Fauna and Flora (CITES), which of the following statements is/are correct?

1. IUCN is an organ of the United Nations and CITES is an international agreement between governments

2. IUCN runs thousands of field projects around the world to better manage natural environments.

3. CITES is legally binding on the States that have joined it, but this Convention does not take the place of national laws.

Select the correct answer using the codes given below:

(a) 1 only

(b) 2 and 3 only

(c) 1 and 3 only

(d) 1, 2 and 3

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Women empowerment issues – Jobs,Reservation and education

Himachal Bill raises women’s marriage age  

Note4Students

From UPSC perspective, the following things are important :

Prelims level: Prohibition of Child Marriage Act, 2006 (PCM Act);

Mains level: Significance of raising the marriage age for women from 18 to 21 years ;

Why in the News?

The Himachal Pradesh Assembly passed a Bill on tuesday to increase the minimum marriage age for women from 18 to 21 years.

Why did the Himachal Pradesh Assembly pass the Bill?

  • For Empowerment: The bill aims to provide them with more opportunities for education, career development, and overall personal growth.
  • For Health and Well-being: The Bill addresses the adverse health impacts associated with early marriage and motherhood, emphasizing the importance of allowing women to mature physically before starting a family.
  • For Social Justice: The bill aims for equal opportunities and ensures that women are not deprived of opportunities due to early marriage. 

What is the Prohibition of Child Marriage Act (PCM) Act?

  • The PCM Act, 2006 is a significant piece of legislation in India aimed at preventing child marriages and protecting the rights of children.
  • Under the Act, a “child” is defined as a male who has not completed 21 years of age and a female who has not completed 18 years of age.

What are the new proposed Amendments to the PCM Act?

  • Uniform Marriage Age: The Bill amends Section 2(a) of the PCM Act, redefining a “child” as any male or female who has not completed 21 years of age, eliminating the previous gender-based distinction.
  • Overriding Clause: The Bill amends Section 2(b) to include a clause that gives the new marriage age an overriding effect over any other law, custom, or usage, making it universally applicable in Himachal Pradesh.
  • Extension of Annulment Period: The Bill increases the period for filing a petition to annul a child marriage from two years after attaining majority to five years, allowing both men and women to annul their marriage until they turn 23.

How will the Bill’s amendments to the PCM Act come into force?

  • Concurrent List Consideration: Marriage is a subject under the Concurrent List, allowing both the central and state governments to legislate on it. However, the Bill introduces amendments to a central law, making it potentially “repugnant” to the PCM Act.

Note:

  • In the legal context, “repugnant” refers to a situation where a law enacted by a state legislature conflicts with or is contradictory to an existing central law on the same subject.
  • Article 254(1): If there is a conflict between a central law and a state law on a subject listed in the Concurrent List, the central law will prevail, and the repugnant portion of the state law will be considered void.
  • Governor’s Assent: As the Bill amends a central law, it must be reserved for the President’s consideration under Article 254(2) of the Constitution after being passed by the state Assembly and receiving the Governor’s assent.
  • President’s Approval: The Bill will become law only if the President of India gives her assent. This process ensures that the state’s amendments are consistent with the Constitution and central laws.

Way Forward: 

  • Align with National Law: Coordinate with the central government to harmonize the amended marriage age with national legislation, ensuring legal consistency.
  • Community Awareness: Implement targeted awareness campaigns to educate the public on the benefits of delaying marriage, emphasizing women’s education and health.

Mains PYQ:

Q Empowering women is the key to control the population growth.” Discuss. (UPSC IAS/2019)

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Tuberculosis Elimination Strategy

Sharpening India’s anti-tuberculosis fight     

Note4Students

From UPSC perspective, the following things are important :

Prelims level: About BPaL/M;

Why in the News?

In the present context, in India, there are groundbreaking new treatments available, but we need to rethink and update the program to eliminate TB.

Current status of TB in India: 

  • Incidence Rate: As of 2022, the incidence rate of TB in India was reported at 199 cases per 100,000 population, a decline from 237 per lakh population in 2015. This reflects a 16% decrease in new TB cases since 2015.
  • Prevalence: The estimated prevalence of tuberculosis infection (TBI) among individuals over 15 years of age was around 31% according to a national survey conducted from 2019 to 2021. 
  • Global Contribution: India accounted for approximately 26% of the global incidence of TB cases in 2020. In that year, India also represented 38% of global TB deaths among HIV-negative individuals.
  • Mortality Rate: The mortality rate due to TB decreased from 28 per lakh population in 2015 to 23 per lakh population in 2022, indicating progress in managing the disease.
  • Total Cases: Estimates suggest that the total number of TB cases in India has increased from 2.2 million to 2.6 million in recent years, reflecting ongoing challenges in detection and treatment.

What were the problems with previous Extended Treatment Regimen?

  • Lengthy and Complex: Traditional TB treatment regimens are long and require patients to take 13 to 14 tablets daily for 9 to 11 months, or 4 to 5 tablets daily for 18 to 24 months.
  • Severe Side Effects: These regimens are physically and psychologically draining, causing side effects like loss of hearing and psychosis.
  • Economic Impact: Prolonged treatment leads to loss of employment and drives many families into poverty due to the need for frequent clinic visits.

WHO-Recommended Effective Regimen:

  • BPaL/M Regimen: WHO has recommended a shorter, safer, and more effective regimen called BPaL/M for drug-resistant TB patients.
  • Advantages: This regimen requires only 3 to 4 tablets daily for six months, with fewer side effects and higher success rates (89% compared to 68% for traditional treatments).
    • Close to 80 countries have procured the BPaL/M regimen, and 20 high-burden countries are already rolling it out.

 

Present TB Elimination Policy in India:

  • The deficiency in the NTP was identified in 1963 and the Revised National TB Control Programme was developed.
  • Presently, India’s National TB Elimination Programme 2023 is leading the effort to meet the goal of eliminating TB by 2025, five years ahead of the SDGs.
  • Ending the TB epidemic by 2030 is among the health targets of the UN’s Sustainable Development Goals.

How India can make the best use of new treatments?

  • Proactive Screening and Diagnosis: Focus on modernizing health datasets, GIS mapping, and conducting targeted multi-disease screening drives, especially in vulnerable populations (e.g., those with comorbidities, slum dwellers, and prisoners).
  • Advanced Diagnostic Tools: Expand the use of portable X-ray machines with AI-driven tools and rapid molecular tests for faster and more accurate detection and drug resistance profiling.
  • Early Detection and Treatment: Leveraging new technologies and proactive measures will help improve TB detection rates, reduce delays, and enhance treatment outcomes, ultimately aiding in the elimination of TB in India.

Conclusion: India need to invest in advanced diagnostic tools like AI-driven portable X-ray machines and rapid molecular tests to ensure early and accurate detection of TB, particularly in high-risk and underserved populations, to support timely treatment and reduce TB incidence.

Mains PYQ:

Q Can overuse and free availability of antibiotics without Doctor’s prescription, be contributors to the emergence of drug-resistant diseases in India? What are the available mechanisms for monitoring and control? Critically discuss the various issues involved. (UPSC IAS/2014)

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Foreign Policy Watch: India-Canada

How Canada’s policy of ‘reducing low-wage, temporary workers’ may impact Indians?       

Note4Students

From UPSC perspective, the following things are important :

Prelims level: “Temporary Workers” in Canada;

Mains level: Canada’s Policy of “Reducing” Such Workers' Impact on Indians;

Why in the News?

On Monday, August 26, Canadian PM Justin Trudeau announced that Canada would be “reducing the number of temporary foreign workers in low-wage jobs.”

Who are these “Temporary Workers” in Canada?

Temporary workers in Canada encompass various categories of individuals, including:

  • Temporary Work Visa Holders: These individuals come to Canada for a fixed duration, typically two years, to work in low-wage jobs that pay between CAD 13-19 per hour (approximately Rs 800-1,200 per hour).
  • International Students: After completing their studies, many international students remain in Canada on work visas for one to three years while applying for Permanent Residency (PR).
  • Spouse Open Work Permit Holders: Many international students bring their spouses to Canada, who can work in low-wage jobs under this permit.
  • Labour Market Impact Assessment (LMIA) Workers: These workers are hired under LMIA contracts, which allow employers to recruit foreign workers when they cannot find Canadians to fill job openings.
  • Humanitarian Arrivals and Youth Program Participants: This category includes individuals arriving through special humanitarian pathways, such as the Canada-Ukraine Authorization for Emergency Travel (CUAET), asylum seekers, and participants in reciprocal youth programs that allow Canadians to work abroad.

How will Canada’s Policy of “Reducing” Such Workers Impact Indians?

  • Reduced Opportunities: The restrictions on temporary workers will limit job opportunities for many Indians, particularly students and their spouses, who make up a significant portion of the temporary workforce.
  • Impact on International Students: Indians constitute around 40% of Canada’s international student population, with a majority coming from Punjab. The new policy may restrict their ability to transition from temporary work to permanent residency.
  • Shift in Immigration Dynamics:  The introduction of restrictions emphasizes a policy shift that could deter potential migrants from considering Canada as a destination.

Indians in Canada: 

  • The Indian community in Canada has grown significantly in recent years. Between 2000 and 2020, the registered Indian population increased from 670,000 to over 1 million.
  • As of 2021, there were approximately 1.8 million people of Indian origin in Canada, representing over 5% of the total population.
  • Indian students are the largest international student group in Canada, accounting for 20% of all international students in 2021. There were over 319,000 Indian students enrolled in Canadian institutions, contributing approximately US$ 4.9 billion to the Canadian economy in 2021
  • Many highly skilled Indian professionals contribute to various sectors, including technology, healthcare, and engineering. In 2022, over 15,000 Indian tech workers moved to Canada, enhancing the labor market with their expertise.

Way forward: 

  • Strengthen Domestic Opportunities: India should focus on creating more job opportunities and enhancing skill development programs within the country to reduce dependency on foreign employment, ensuring that young professionals and students have viable career options at home.
  • Bilateral Engagement and Negotiation: Engage in diplomatic discussions with Canada to advocate for the interests of Indian workers and students, seeking to ensure continued access to work and study opportunities under fair and equitable conditions.

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Foreign Policy Watch: India-Pacific Island Nations

What is the Pacific Islands Forum (PIF)?

Note4Students

From UPSC perspective, the following things are important :

Prelims level: Pacific Islands Forum (PIF)

Why in the News?

The annual meeting of the Pacific Islands Forum (PIF) has begun in Nuku’alofa, the capital of Tonga.

About Pacific Islands Forum (PIF):

Details
Establishment 1971
Members 18 members: Australia, Cook Islands, Federated States of Micronesia, Fiji, French Polynesia, Kiribati, Nauru, New Caledonia, New Zealand, Niue, Palau, Papua New Guinea, Republic of Marshall Islands, Samoa, Solomon Islands, Tonga, Tuvalu, and Vanuatu.
Vision Promote peace, harmony, security, social inclusion, and prosperity in the Pacific region.
Framework Operates under the Framework for Pacific Regionalism which outlines strategic visions and objectives.
Dialogue Partners 18, including major nations like the USA, China, India, and members of the EU.
Key Focus Areas Environmental sustainability, economic growth, cultural development, and regional security.
Leadership Directed by a Secretary-General, with annual meetings among leaders of member countries.

Significance of PIF

  • The PIF advocates for global climate action and funds resilience efforts through the Pacific Resilience Facility (PRF) to support vulnerable Pacific nations.
  • It enhances cooperation among its 18 small island states, fostering joint decision-making on key regional issues.
  • The forum strengthens the Pacific’s ability to navigate geopolitical tensions between major powers like the US and China.
  • PIF promotes sustainable economic development through regional trade and investment initiatives.
  • It focuses on protecting the Pacific’s ecosystems by addressing challenges like ocean pollution and overfishing.

PYQ:

[2016] With reference to the ‘Trans-Pacific Partnership’, consider the following statements:

1. It is an agreement among all the Pacific Rim countries except China and Russia.

2. It is a strategic alliance for the purpose of maritime security only.

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

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Parliament – Sessions, Procedures, Motions, Committees etc

Rajya Sabha Elections

Note4Students

From UPSC perspective, the following things are important :

Prelims level: Rajya Sabha Elections

Why in the News?

Results of the latest round of Rajya Sabha elections are out.

Elections to the Rajya Sabha: 

Details
Election Method
  • Members are elected indirectly by the elected members of the State Legislative Assemblies and the electoral college for UTs (Delhi and Pondicherry).
  • Using the proportional representation system via the Single Transferable Vote (STV) method and Open Ballot.
Composition Total Members: Up to 250 members, with 238 elected and 12 nominated by the President for their contributions to art, literature, science, and social services.
Current Strength: 245 members (233 elected, 12 nominated).
Voting Requirements for Candidates Candidates must be proposed by at least 10 members of the State Assembly or 10% of the party’s strength in the Assembly.
Voting Process Single Transferable Vote: Voters rank candidates based on preference. Votes are transferable if a preferred candidate is eliminated or achieves the quota.
Open Ballot System: Employed to facilitate transparency in the voting process.
Election Procedure Quota System: To win, a candidate must obtain a quota of votes calculated as [Total Votes / (Number of Vacancies + 1)] + 1.
Powers and Functions Legislative Powers: Can introduce and pass bills except Money Bills.
Special Powers: Can pass resolutions to create all-India services, make laws on state list subjects under certain conditions, and approve proclamations of emergency.
Sessions
  • 3 regular sessions each year: the Budget session, Monsoon session, and Winter session.
  • Special sessions can be convened as required.
Tenure
  • A permanent body that is not subject to dissolution;
  • One-third of its members retire every two years.
Chairmanship
  • Vice President of India serves as the ex-officio Chairman of the Rajya Sabha.
  • House also elects a Deputy Chairman from among its members.
Eligibility for Membership Candidates must be Indian citizens, at least 30 years old, and comply with other conditions set by the Constitution.
Disqualification Criteria Members can be disqualified for defection, certain criminal convictions, or if declared bankrupt, among other reasons.
Special Features Nominated Members: Up to 12 members can be nominated by the President.
No dissolution: Unlike the Lok Sabha, the Rajya Sabha cannot be dissolved but operates as a continuous body.
Key Sessions and Administrative Details First Sitting: Conducted on May 13, 1952.
Secretary General: Acts as the chief executive officer and the administrative head of the Rajya Sabha Secretariat.

 

PYQ:

[2013] Consider the following statements:

  1. The Chairman and the Deputy Chairman of the Rajya Sabha are not the members of that House.
  2. While the nominated members of the two Houses of the Parliament have no voting right in the presidential election, they have the right to vote in the election of the Vice President.

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

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Disasters and Disaster Management – Sendai Framework, Floods, Cyclones, etc.

India, Russia sign working plan to handle emergencies

Note4Students

From UPSC perspective, the following things are important :

Prelims level: India Russia IGA

Why in the News?

India and Russia signed the working plan of the Joint Russian-Indian Commission on Cooperation in the Field of Emergency Management for 2025-2026.

Background of the Cooperation:

  • The meeting held in Moscow aimed to strategize the execution of previous agreements between India and Russia, including:
    • The Inter-Governmental Agreement (IGA) for cooperation in the field of Emergency Management was signed in December 2010.
    • The regulation was established in 2013 to create the Indo-Russian Joint Commission for Cooperation in the prevention and elimination of emergency situations.
  • The first meeting of this commission was held in New Delhi in 2016.

About the Joint Commission on the Cooperation in the Field of Emergency Management for 2025-2026

  • It is an initiative aimed at enhancing collaboration between India and Russia in the area of disaster management and emergency response.
  • The plan covers a two-year period from 2025 to 2026 and focuses on several key areas:
    • Use of Space Monitoring Technologies: To improve risk forecasting and emergency response capabilities.
    • Exchange of Experiences: On responding to large-scale disasters to enhance preparedness and response strategies.
    • Training of Specialists: In fire and rescue operations to build a robust capacity for emergency management.
  • The next meeting is scheduled to be held in India in 2026 to facilitate cooperation and strategic planning in emergency management.

About the Indo-Russian Joint Commission for Cooperation 

  • Established in 2013, it seeks to formalize and enhance cooperation between India and Russia in the prevention and elimination of emergency situations.
  • It was formed under the framework of the Inter-Governmental Agreement (IGA) for Cooperation in the Field of Emergency Management, signed in December 2010.
  • The commission serves as a platform for India and Russia to collaborate on various aspects of disaster management, including:
    • Prevention and Preparedness: Developing strategies and sharing expertise to prevent and prepare for potential disasters.
    • Response and Recovery: Coordinating efforts to respond to emergencies and support recovery efforts following disasters.
    • Capacity Building: Enhancing the skills and knowledge of personnel involved in emergency management through joint training programs and knowledge exchange.
  • It facilitates a structured approach to managing disasters by leveraging the strengths and resources of both countries.

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Agricultural Sector and Marketing Reforms – eNAM, Model APMC Act, Eco Survey Reco, etc.

Expansion of Agricultural Infrastructure Fund (AIF) Scheme

Note4Students

From UPSC perspective, the following things are important :

Prelims level: Agricultural Infrastructure Fund (AIF) Scheme

Why in the News?

  • The Union Cabinet has approved the expansion of the Agricultural Infrastructure Fund (AIF) scheme.
    • It will now include financial support for Farmers’ Producers Organizations (FPOs) to enhance their financial security and creditworthiness.

About Agriculture Infrastructure Fund (AIF) Scheme:

Details
Launch  July 2020, Central Sector Scheme
Nodal Ministry Ministry of Agriculture and Farmers Welfare, Government of India
Fund Allocation Rs. 1 lakh crore, with disbursements planned until 2025-26; interest subvention and credit guarantee assistance extended till 2032-33.
Aim To mobilize medium to long-term debt financing for investment in viable projects relating to post-harvest management infrastructure and community farming assets, to enhance agricultural infrastructure in India.
Key Features Interest Subvention: 3% on loans up to Rs. 2 crore, with additional rate reductions for NABARD loans for PACS.
Credit Guarantees: Under the CGTMSE scheme for loans up to Rs. 2 crore.
Fund Usage: Supports up to 25 projects per beneficiary across different locations.
Target Beneficiaries Farmers, Farmer Producer Organizations (FPOs), Primary Agricultural Credit Societies (PACS), entrepreneurs, startups, Self Help Groups, Agricultural Produce Market Committees, and federations.
Management Managed through an online MIS platform with national, state, and district level monitoring committees for real-time monitoring and feedback.
Lending Institutions Includes 24 commercial banks, 40 cooperative banks, and NABARD among others.
Hassle-Free Process Supported by a user-friendly online portal to facilitate speedy loan sanctions.

 

Key changes introduced: 

Description
Support for FPOs Includes financial support for Farmers’ Producers Organizations (FPOs) to improve financial security and creditworthiness.
Broader Eligible Projects Expand the scope to cover more types of agricultural infrastructure projects.
Community Farming Assets Allows the creation of community farming assets to enhance productivity and sustainability.
Integrated Processing Projects Adds integrated primary and secondary processing projects as eligible activities; standalone secondary projects remain under MoFPI schemes.
Alignment with PM-KUSUM Converges AIF with PM-KUSUM Component-A for joint development of agricultural infrastructure and clean energy solutions.
Extended Credit Guarantee Extends credit guarantee coverage to FPOs through NABSanrakshan, in addition to CGTMSE, to boost investment confidence.

 

PYQ:

[2015] With reference to ‘National Investment and Infrastructure Fund’, which of the following statements is/are correct?

1. It is an organ of NITI Aayog.

2. It has a corpus of 4,00,000 crore at present.

Select the correct answer using the codes given below:

(a) 1 only

(b) 2 only

(c) Both 1 and 2

(d) Neither 1 nor 2

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

 An either-or approach won’t help quell food inflation 

Note4Students

From UPSC perspective, the following things are important :

Prelims level: Food inflation trend;

Mains level: Impact of food inflation;

Why in the News?

The recently released Consumer Price Index-Combined (CPI-C) data reveals that food inflation, particularly from pulses, vegetables, and cereals, is rising faster than the overall CPI inflation.

  • The Consumer Price Index-Combined (CPI-C) is the index used to calculate headline inflation in India. It is calculated and published monthly by the Bureau of Labor Statistics.

Key Highlights of the CPI-C Data:

  • On Current Inflation Rates: The general CPI inflation stands at 3.54%, while food inflation is notably higher at 5.06%, driven by increases in prices of pulses, vegetables, and cereals.
  • On Inflation Dynamics in the Past: Over the past decade, food inflation has contributed to the overall volatility of prices. In 52 of the 124 months analyzed, food inflation exceeded the general CPI rate, indicating a significant and fluctuating impact on overall inflation.
  • Expectations by the report: The RBI has highlighted that food inflation significantly influences inflationary expectations, which remain unanchored, often exceeding actual inflation rates.

(*Note: These data don’t include income taxes or investment items like stocks, bonds, and life insurance.)

Recently impact of good Monsoon on Food Production and Inflation: 

  • Increased Sowing Due to Robust Monsoon: India has reported a significant increase in the sowing of paddy and pulses, with paddy sowing up by 16% to 39 million hectares and pulses by 7% to 12 million hectares as of August 23, 2024, driven by a strong monsoon.
  • Potential Impact on Food Inflation: Despite concerns over rising food inflation, the expanded cultivation area for staple crops like rice and pulses could positively impact the agriculture sector and support government efforts to enhance farm productivity.

Present Situation of Inflation in the Agri-Food Sector

  • Volatility in Food Prices: Food inflation has been volatile, with instances of both high and low inflation. For example, food inflation was above 6% in 52 out of 124 months, while it was below 2% in 20 months, including periods of negative inflation.
  • Supply-Side Factors: The disparities between food and retail inflation can be attributed to supply-side issues such as monsoon variability, crop failures, and government policies like minimum support prices (MSPs). Excess demand for specific food categories, such as oils and fats, has also contributed to higher inflation.
  • Regional Disparities: Rural CPI inflation is higher (5.43%) compared to urban CPI (4.11%), reflecting the impact of agricultural conditions and market dynamics on rural households.

How Can the Gap Between Farmer and Consumer Be Reduced?

  • Market-Driven Pricing: The government should reconsider its intervention in agricultural markets through MSPs, allowing market forces to determine food prices. This could help reduce production distortions and improve price signals for farmers.
  • Enhancing Agricultural Productivity: Government expenditure should focus on increasing agricultural productivity through better technology and irrigation practices, which can lead to more stable food supplies and prices.
  • Reducing Middlemen: Implementing measures to eliminate middlemen in the supply chain can help narrow the gap between what farmers receive and what consumers pay.
  • Infrastructure Development: Improving infrastructure for storage and transportation can help reduce food wastage and ensure that food products reach consumers efficiently, further stabilizing prices.

Conclusion: Need to encourage the adoption of advanced agricultural technologies and sustainable farming practices to boost productivity and reduce the impact of supply-side disruptions, ensuring more consistent food supplies and stable prices.

Mains PYQ:

Q Do you agree with the view that steady GDP growth and low inflation have left the Indian economy in good shape? Give reasons in support of your arguments.  (UPSC IAS/2017)

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Zoonotic Diseases: Medical Sciences Involved & Preventive Measures

 Advancing equity, from COVID-19 to Mpox  

Note4Students

From UPSC perspective, the following things are important :

Prelims level: About Monkeypox;

Mains level: Major Learnings from the COVID-19 Pandemic;

Why in the News?

The recent declaration of Mpox (formerly monkeypox) as a Public Health Emergency of International Concern (PHEIC) by the WHO highlights several critical lessons learned from the COVID-19 pandemic.

Major Learnings from the COVID-19 Pandemic

  • Vaccine Manufacturing Capabilities: The COVID-19 pandemic exposed significant gaps in vaccine manufacturing capabilities, particularly in the Global South. This inadequacy was exacerbated by limited technology transfers and a lack of know-how to produce vaccines developed in high-income countries.
    • The current response to the Mpox outbreak reflects similar challenges, emphasizing the need for robust local manufacturing capabilities to ensure equitable access to vaccines.
  • Global Cooperation: The pandemic underscored the necessity of international collaboration in health emergencies. The WHO’s declaration of Mpox as a PHEIC aims to foster this cooperation, encouraging countries and organizations to share information and resources to combat the outbreak.
  • Equity in Health Responses: The recent amendments to the International Health Regulations (IHR) include equity as a core principle, which is crucial for ensuring that all countries, particularly those in lower-middle-income regions, have access to essential medical products during emergencies.

Recent Initiatives by India’s Drug Regulatory Agency:

  • On August 7, 2024, India’s Central Drugs Standard Control Organization (CDSCO) decided that drugs already approved in developed countries like the U.S. and those in the EU can be used during pandemics in India without needing to go through clinical trials here.
  • This regulatory change is expected to expedite the availability of critical vaccines like MVA-BN (Jynneos) in India, facilitating faster access to vaccines necessary to combat the Mpox outbreak.

What could be the more improved solution for it?

  • Scaling Up Production: The demand for pox vaccines is anticipated to surge, with estimates by AfricaCDC, suggesting that 10 million doses are needed to control the outbreak. However, only 0.21 million doses are currently available.
    • Indian manufacturers, such as the Serum Institute of India and Bharat Biotech, have the potential to rapidly scale up production of the MVA-BN vaccine using established processes and supply chains.
  • Comprehensive Technology Transfer: Effective technology transfer involves sharing not only the vaccine but also the necessary biological resources, manufacturing know-how, and patents. This is essential to enable lower-middle-income countries to produce vaccines independently, reducing reliance on high-income countries.
  • Collaborative Negotiations: The Indian government, in collaboration with international organizations like WHO and Gavi, should negotiate with Bavarian Nordic for technology transfer to technology transfer for developing the vaccine.

Way forward: 

  • Strengthen Local Manufacturing: Encourage Indian manufacturers like the Serum Institute of India and Bharat Biotech to rapidly scale up production of the MVA-BN vaccine, ensuring timely and sufficient supply to meet both domestic and global demand during the mpox outbreak.
  • Facilitate Technology Transfer: The Indian government should lead collaborative efforts with international organizations to secure comprehensive technology transfers, enabling domestic production of vaccines and reducing dependency on high-income countries.

Mains PYQ:

Q COVID-19 pandemic has caused unprecedented devastation worldwide. However, technological advancements are being availed readily to win over the crisis. Give an account of how technology was sought to aid the management of the pandemic.  (UPSC IAS/2016)

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Global Geological And Climatic Events

Chile’s Atacama Salt Flat sinking due to Lithium Mining

Note4Students

From UPSC perspective, the following things are important :

Prelims level: Salar de Atacama

Why in the News?

  • A recent study published in journal IEEE Transactions on Geoscience and Remote Sensing has found that Chile’s Atacama salt flat (Salar de Atacama) is sinking at a rate of 1 to 2 centimetres per year due to lithium brine extraction.
    • Lithium brine extraction involves pumping salt-rich water to the surface and letting it evaporate in ponds to collect lithium.

About Salar de Atacama  

  • The Salar de Atacama in Chile boasts the highest lithium concentration (0.15% by weight) among all brine sources worldwide.
  • Argentina boasts more than half of the world’s total lithium resources.
  • It holds the distinction of having the 2nd-largest lithium resources, the 3rd-largest lithium reserves, and the 4th-largest lithium production in the world.
  • It is a part of the Lithium Triangle comprising of Uyuni (Bolivia) and Hombre Muerto (Argentina).

Key Findings of the Study:

  • Researchers analyzed satellite data from 2020 to 2023 to observe deformations in the Earth’s crust in the salt flat.
  • The area experiencing subsidence measures approximately 8 km north to south and 5 km east to west.
  • The study indicates that subsidence occurs because the rate of lithium brine pumping is faster than the recharge rate of aquifers, leading to the ground sinking.

What is Lithium?

  • Lithium is an alkali metal, often referred to as ‘white gold’ due to its value and color.
  • It is a soft, silvery-white metal, and notably, it is the lightest metal on the periodic table.
  • It is typically found in various minerals like spodumene, petalite, and lepidolite, from which it is extracted and refined.
  • The leading producers of lithium are Australia, Chile, China, and Argentina.

Effects of Lithium Mining on Environment:

  • Water Use: Lithium mining, especially from salt flats and brine pools, requires substantial water usage, which can deplete local water resources in arid areas.
  • Ecological Disruption: The extraction process can alter the chemical balance of the natural environment, affecting local flora and fauna.
  • Pollution: Mining and processing lithium can release harmful chemicals into the environment, impacting air and water quality.

PYQ:

[2008] Which one of the following pairs of metals constitutes the lightest metal and the heaviest metal, respectively?

(a) Lithium and mercury

(b) Lithium and osmium

(c) Aluminium and osmium

(d) Aluminium and mercury

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Civil Services Reforms

[pib] ANUBHAV AWARDS, 2024

Note4Students

From UPSC perspective, the following things are important :

Prelims level: ANUBHAV AWARDS, 2024

Why in the News?

The Minister of State for Personnel, Public Grievances, and Pensions has conferred the Anubhav Awards 2024.

ANUBHAV Awards

Details
Purpose To recognize the contributions of retired officials to nation-building and document the administrative history of India through their written narratives.
Portal Launch Launched in March 2015.
Organizing Body Ministry of Personnel, Public Grievances & Pensions, Department of Pension & Pensioners’ Welfare.
Objectives – Create a database of significant suggestions and work experiences.
– Utilize the experience of retiring employees for nation-building.
– Enable Ministries/Departments to consider useful and replicable suggestions.
Criteria Retiring Central Government employees and pensioners, who can submit their Anubhav write-ups 8 months prior to retirement and up to 1 year post-retirement.
Award Process Write-ups are assessed by the concerned Ministries/Departments, published, and then shortlisted for the Anubhav Awards and Jury Certificates.
Awards and Recognition ANUBHAV Awardees: Receive a medal, certificate, and a prize of ₹10,000.
Jury Certificate Winners: Receive a medal and a certificate.

 

PYQ:

[2021] Consider the following statements in respect of Bharat Ratna and Padma Awards :​

1. Bharat Ratna and Padma Awards are titles under the Article 18(1) of the Constitution of India.​

2. Padma Awards, which were instituted in the year 1954, were suspended only once.​

3. The number of Bharat Ratna Awards is restricted to a maximum of five in a particular year.​

Which of the above statements are not correct?​

(a) 1 and 2 only ​

(b) 2 and 3 only​

(c) 1 and 3 only ​

(d) 1, 2 and 3​

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Financial Inclusion in India and Its Challenges

[pib] 10 Years of Jan Dhan Scheme

Note4Students

From UPSC perspective, the following things are important :

Prelims level: Pradhan Mantri Jan Dhan Yojana (PMJDY)

Why in the News?

PM Modi launched the Pradhan Mantri Jan Dhan Yojana (PMJDY) on 28th August 2014.  It has now completed a decade of successful implementation.

About PMJDY

Details
Objective Banking the Unbanked: Open basic savings bank deposit (BSBD) accounts with minimal paperwork, relaxed KYC, e-KYC, account opening in camp mode, zero balance & zero charges.
Securing the Unsecured: Issue Indigenous Debit cards with free accident insurance coverage of ₹2 lakh.
Funding the Unfunded: Provide micro-insurance, overdraft, micro-pension, and micro-credit facilities.
Initial Features Universal Access to Banking Services: Access through branches and BCs.
Basic Savings Bank Accounts: With an overdraft facility of up to ₹10,000 for every eligible adult.
Financial Literacy Program: Promote savings and credit usage.
Insurance: Accident cover up to ₹1 lakh and life cover of ₹30,000 for accounts opened between Aug 2014 to Jan 2015.
Pension Scheme: For the unorganized sector.
Creation of Credit Guarantee Fund.
Key Provisions Inter-operability: Through RuPay debit card or Aadhaar-enabled Payment System (AePS).
• Fixed-point Business Correspondents.
• Simplified KYC / e-KYC.
Extension and New Features (Post-2018) Focus Shift: From ‘Every Household’ to ‘Every Unbanked Adult’.
RuPay Card Insurance: Increased accidental insurance cover to ₹2 lakh for new accounts.
Overdraft Facilities Enhanced: Limit doubled from ₹5,000 to ₹10,000; up to ₹2,000 without conditions.
Increase in upper age limit for OD: From 60 to 65 years.
Eligibility for Other Programs  PMJDY accounts are eligible for Direct Benefit Transfer (DBT), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), and Atal Pension Yojana (APY).

Successes of PMJDY

  • Financial Inclusion: PMJDY is recognized as the largest financial inclusion initiative globally, with over 53 crore bank accounts opened as of August 2024. 
    • It has facilitated access to credit for individuals without a formal financial history, as evidenced by the rise in Mudra loan sanctions at a compounded annual rate of 9.8% from FY 2019 to FY 2024.
  • Social Empowerment: 55.6% of Jan Dhan account holders are women, and 66.6% of accounts are in rural and semi-urban areas, demonstrating the program’s reach among marginalized communities.
  • Deposit Growth: The total deposits in PMJDY accounts have reached Rs. 2.31 lakh crore, showing a 15-fold increase since August 2015.
  • Digital Transaction Growth: Digital transactions under PMJDY have surged, with UPI financial transactions growing from 535 crore in FY 2018-19 to 13,113 crore in FY 2023-24.
  • Effective DBT Mechanism: The Jan-Dhan Aadhaar Mobile (JAM) trinity has enabled a diversion-proof subsidy delivery mechanism, with subsidies and social benefits directly transferred into the bank accounts of the underprivileged.
  • Savings and Financial Discipline: The average deposit in the PMJDY account has increased 4 times since August 2015, indicating improved saving habits among account holders.

PYQ:

[2015] ‘Pradhan Mantri Jan-Dhan Yojana’ has been launched for

(a) Providing housing loan to poor people at cheaper interest rates.

(b) Promoting women’s Self-Help Groups in backward areas.

(c) Promoting financial inclusion in the country.

(d) Providing financial help to the marginalized communities.

[2016] Pradhan Mantri Jan Dhan Yojana (PMJDY) is necessary for bringing unbanked to the institutional finance fold. Do you agree with this for financial inclusion of the poorer section of the Indian society? Give arguments to justify your opinion.

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