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Innovations in Biotechnology and Medical Sciences

CCR5-delta 32 Gene Transplant: Permanent cure of HIV

Prelims Only | Science Tech | Mains Paper 3: Awareness in various sc and tech fields
Central idea: This article discusses recent developments in the field of HIV research that have led to the possibility of a cure for the disease.

What is HIV/AIDS?
- HIV (human immunodeficiency virus) is a virus that attacks cells that help the body fight infection, making a person more vulnerable to other infections and diseases.
- First identified in 1981, HIV is the cause of one of humanity’s deadliest and most persistent epidemics.
- It is spread by contact with certain bodily fluids of a person with HIV, most commonly during unprotected sex, or through sharing injection drug equipment.
- If left untreated, HIV can lead to the disease AIDS (acquired immunodeficiency syndrome).
- The human body can’t get rid of HIV and no effective HIV cure exists.
Present treatment of HIV
- However, by taking HIV medicine (called antiretroviral therapy or ART), people with HIV can live long and healthy lives and prevent transmitting HIV to their sexual partners.
- In addition, there are effective methods to prevent getting HIV through sex or drug use, including pre-exposure prophylaxis (PrEP) and post-exposure prophylaxis (PEP).
What is the new breakthrough?
- Doctors selected a donor carrying two copies of a CCR5-delta 32 genetic mutation – a mutation that is known to make the carriers almost immune to HIV.
- The CCR5-delta 32 genetic mutation is a rare genetic mutation that affects the CCR5 gene, which is involved in the immune system’s response to infection.
- The mutation causes a deletion of 32 nucleotides in the gene, resulting in a truncated or shortened version of the CCR5 protein.
- This truncated protein is not able to function normally, and people with this mutation are largely resistant to HIV infection.
How has the CCR5-delta 32 mutation been used in HIV research?
- Researchers have been studying the CCR5-delta 32 mutation as a potential avenue for developing an HIV cure.
- One approach involves using gene editing technologies like CRISPR to induce the mutation in HIV-positive individuals, effectively making their immune cells resistant to HIV infection.
- Another approach involves bone marrow transplantation from donors with the CCR5-delta 32 mutation.
What are the risks associated?
- Gene editing technologies like CRISPR are still in their early stages, and there are concerns about the safety and effectiveness of these methods.
- Additionally, bone marrow transplantation is a complex and risky procedure that is not feasible for all HIV-positive individuals.
- Finally, it is important to note that not all HIV infections are caused by the CCR5 strain of the virus, and therefore the use of the CCR5-delta 32 mutation as an HIV cure would not be effective for all cases of HIV.
Prevalence of HIV/AIDS in India
- As per the India HIV Estimation 2019 report, the estimated adult (15 to 49 years) HIV prevalence trend has been declining in India since the epidemic’s peak in the year 2000 and has been stabilizing in recent years.
- In 2019, HIV prevalence among adult males (15–49 years) was estimated at 0.24% and among adult females at 0.20% of the population.
- There were 23.48 lakh Indians living with HIV in 2019.
- Maharashtra had the maximum at 3.96 lakh followed by Andhra Pradesh (3.14 lakh) and Karnataka.
- ART is freely available to all those who require and there are deputed centres across the country where they can be availed from.
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R&D Expenditure And The Perils of Inadequate Data

op-ed snap | Economics | Mains Paper 3: Government Budgeting,Issues relating growth and development, employment
Central Idea
- India’s research and development (R&D) expenditure-GDP ratio of 0.7% is very low when compared to major economies and is much below the world average of 1.8%. The main reason is the low investment in R&D by the corporate sector.
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Overview: Spending’s on R&D in India
- While the corporate sector accounts for about two-thirds of gross domestic expenditure on R&D (GERD) in leading economies, its share in India is just 37%. There is evidence, however, suggesting that India’s GERD data are an underestimate.
- A 2022 infobrief of the National Science Foundation (NSF) of the United States on Foreign R&D by U.S.-based multinational corporations (MNCs) shows a spend of $9.5 billion (₹649.7 billion) on R&D in India in 2018, which increased to $9.8 billion (₹690.2 billion) in the following year.
- There are MNCs from other leading countries also spending on R&D in India.
- But the latest Research and Development Statistics, published by the Department of Science and Technology (DST) in 2020, has provided an estimate of ₹60.9 billion R&D spending in 2017-18 by foreign MNCs, which is only about 10% of what U.S. firms have reported to have spent in India on R&D.
What is Gross Domestic Expenditure On R&D (GERD)?
- Gross domestic spending on R&D is defined as the total expenditure (current and capital) on R&D carried out by all resident companies, research institutes, university and government laboratories, etc., in a country.
- It includes R&D funded from abroad, but excludes domestic funds for R&D performed outside the domestic economy.
- This indicator is measured in USD constant prices using 2015 base year and Purchasing Power Parities (PPPs) and as percentage of GDP.
- It is often used as an indicator of a country’s level of innovation and technological progress.
Issues with the current system
- NSTMIS compiles GERD data: The National Science and Technology Management Information System (NSTMIS) of the DST is the agency that compiles GERD statistics in India.
- Challenge is to collect data from private sector: It is easier to gather the information on R&D by the government sector, the higher education sector and public sector enterprises. The challenge lies in collecting data from the private corporate sector.
There are two key factors that make the official R&D estimates grossly inadequate
1. The method used for identification of R&D performing firms does not capture all the R&D performing firms.
- NSTIMS uses DSIR and Prowess to identify R&D units: A study found only 11% of 298 firms receiving foreign investment (2004-16) for R&D were registered with DSIR. Prowess covers only 3.5% of currently active registered enterprises in India. Leading enterprises in new technology areas may not be listed in both databases, such as SigTuple Technologies.
- The DSIR list may not have many of the actual R&D performers for two reasons: Firms which consider government incentives as not attractive enough or that are sensitive about sharing critical information with the DSIR may not be inclined to register themselves with the DSIR. 2. It may be difficult for R&D firms in services such as software and R&D services to meet the requirement of having separate infrastructure for R&D to distinguish it from their usual business. In fact, many of the R&D performing enterprises in new technology areas may come under the services category.
1. The survey conducted by the NSTMIS is the key source of R&D statistics of India
- Data from Secondary sources works only if firms disclose their R&D spending: If firms don’t respond to the survey, data is collected from secondary sources like annual reports and Prowess. Some firms don’t report R&D spending despite their technology activities, patents and innovators. They may not feel obliged to report accurately to Indian regulatory authorities.
- For instance: A review of the documents submitted to the Ministry of Corporate Affairs (MCA) by some R&D-oriented firms shows that there are firms which do not report any spending on R&D in spite of their declarations that suggest that they are engaged in activities of technology development, adoption and adaptation.
What is to be done?
- Short term measure: the NSTMIS should use the patents granted data, both in India and the U.S., in addition to its current method to identify R&D performing enterprises.
- Mandatory disclosure: Annual R&D estimates can be prepared from mandatory disclosures that the enterprises are required to make to the MCA.
- Technologies can be employed to ensure compliance and proper reporting: In order to ensure compliance and proper reporting, technologies can be used like in the case of revamped income-tax return forms where various sections are interlinked.
- Spending data should be made an essential component of ESG: Additionally, proper disclosure of information to regulatory agencies, including R&D spending data, should be made an essential component of the environmental, social and governance (ESG) ranking of enterprises.
Conclusion
- Concrete data on R&D spending is crucial as it helps to identify areas needing investment, promotes economic growth, informs policymaking decisions, tracks progress, and evaluates policy effectiveness in promoting innovation and technological development. Transforming India’s R&D statistics to truly reflect the R&D ecosystem calls for short-term and medium-term measures.
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Monetary Policy Committee Notifications

Repo Rate Hike: Impact Should be Considered Before Making Decisions

op-ed snap | Economics | Mains Paper 3: Indian Economy
Central Idea
- In its last meeting, held just a few days after the Union budget, the monetary policy committee (MPC) of the RBI had voted to raise the benchmark repo rate by 25 basis points. The MPC noted that calibrated action was warranted to break the persistence in core inflation. This surprise uptick in inflation is likely to complicate the policy choices before the MPC members when it meets next in the first week of April.
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What is Basis points we often hear about?
- A basis point is a unit of measurement used to express changes in interest rates, bond yields, and other financial indicators.
- One basis point is equal to one-hundredth of a percentage point, or 0.01%.
- For example, If the Reserve Bank of India (RBI) raises the repo rate by 25 basis points, it means that the interest rate has increased by 0.25%.
What it indicates?
- If the Reserve Bank of India (RBI) keeps raising the repo rate by basis points, it is an indication that the central bank is tightening its monetary policy stance to manage inflationary pressures in the economy.
Back to basics: Monetary Policy Committee (MPC)
- Committee of RBI to fix the benchmark policy: The Monetary Policy Committee (MPC) is a committee of the RBI, which is entrusted with the task of fixing the benchmark policy interest rate (repo rate) to contain inflation within the specified target level.
- To bring transparency and accountability: The RBI Act, 1934 was amended by Finance Act (India), 2016 to constitute MPC to bring more transparency and accountability in fixing India’s Monetary Policy.
- Policy is published after discussion: The policy is published after every meeting with each member explaining his opinions.
- Answerable to GOI: The committee is answerable to the Government of India if the inflation exceeds the range prescribed for three consecutive months.
What is Inflation?
- Inflation is an increase in the level of prices of the goods and services that households buy. It is measured as the rate of change of those prices.
- Typically, prices rise over time, but prices can also fall (a situation called deflation).
The current trends of Inflation
- Rise in retail inflation: Retail inflation, as measured by the consumer price index, rose to 6.52 per cent in January, up from 5.72 per cent in December, reversing the declining trend seen in the preceding months.
- Much of the surge was driven by food inflation: The consumer food price index rose to 5.94 per cent, up from 4.19 the month before, driven largely by cereals.
- Price pressure remain across the economy: Inflation remained elevated in clothing and footwear, household goods and services, personal care effects and education, signalling that price pressures remain fairly broad-based across the economy.
RBI’s Upper tolerance limit for inflation
- Highest level of inflation that can be tolerated: The upper tolerance limit for inflation set by the Reserve Bank of India (RBI) is the highest level of inflation that the RBI will tolerate before taking action to bring inflation back within its target range.
- RBI’s limit: The target range is defined in terms of the Consumer Price Index (CPI) inflation and the RBI has set an upper tolerance limit of 6% and a lower tolerance limit of 2% with a central target of 4%. This means that the RBI aims to keep CPI inflation within the range of 2-6%, with a target of 4%.
- Tools to contain inflation: If inflation exceeds the upper tolerance limit of 6%, the RBI is required to take steps to bring inflation back within the target range. The RBI uses a variety of monetary policy tools to control inflation, including adjusting the policy interest rate, changing reserve requirements for banks, and using open market operations to manage liquidity in the financial system.
Conclusion
- Monetary policy experts Varma and Goyal suggest pausing to observe the impact of previous tightening before taking further action. Despite a cumulative 250 basis point increase, inflation is still expected to remain above the 6% target. The full impact of previous tightening should be considered before making any decisions.
Mains Question

Q. What is upper threshold of the RBI’s inflation targeting framework? Discuss the impact of policy interest rate hikes on the economy.

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Anti Defection Law

Anti-defection Law and The Loopholes

op-ed snap | Polity | Mains Paper 2: Parliament & State Legislatures
Central Idea
- On February 17, the Election Commission of India (ECI) allotted the name ‘Shiv Sena’ and the party’s Bow and Arrow symbol to Maharashtra Chief Minister Eknath Shinde’s faction, in effect recognizing it as the original party founded by Babasaheb Thackeray. Strengthening Anti-defection law becomes relevant again.
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Background: The most dramatic and unique political crisis
- Division in the party: The political crisis in Maharashtra began last year after a group of 40 of the 55 Sena MLAs walked out of the Maha Vikas Aghadi (MVA) alliance under the leadership of Mr. Shinde, which caused a division in the party.
- Fight of Name and Symbol: Both the Uddhav Thackeray and Shinde sides staked claim to the party name and symbol, each claiming to represent the real Shiv Sena.
- The ECI said that it had based its decision on a test of majority: It said the group of MLAs supporting the Shinde faction got nearly 76% of the votes polled for the 55 winning Shiv Sena candidates in the 2019 Maharashtra Assembly elections, while the Uddhav Thackeray faction got 23.5% of votes.
Exam Spotlight
- The crisis has thrown the spotlight once again on the anti-defection law, whose purpose is to prevent political defections.
What is Anti-defection Law?
- Tenth Schedule: The Anti-Defection Law under the Tenth Schedule of the Constitution punishes MPs/ MLAs for defecting from their party by taking away their membership of the legislature.
- Power to the speaker: It gives the Speaker of the legislature the power to decide the outcome of defection proceedings.
- 52^ndAmendment Act, 1985: It was added to the Constitution through the Fifty-Second (Amendment) Act, 1985 when Rajiv Gandhi was PM. The law applies to both Parliament and state assemblies.
What was the need to have this law then?
1. Vies in favour
- Defection was recognized as an evil that needed to be curbed: Defections cause destabilization and lead to governments falling, which can have negative impacts on the country’s political and economic stability.
- Law helps to stabilise party system: The law helps to stabilize party systems by consolidating control of the party leadership instead of relying on ideological cohesion or ownership by constituent legislators.
1. Views against it
- Law would curb freedom of opinion of the representatives: Some people thought that the law would curb freedom of speech and affect the free exercise of opinion by the members of the legislature who are elected by the people.
- Undermines the representative system of democracy: The law effectively does away with the representative system of democracy in India by framing democracy as a contest between factions rather than a system of representation and accountability.
- Limiting the ability of legislators: The law consolidates power in the hands of the party leadership, potentially limiting the ability of individual legislators to represent their constituents’ interests.
How the law is faring today?
- Recent events shows that the law needs to be tightened: The kinds of defections which used to take place before the passing of this law are not taking place now. But recent events show that this law needs to be tightened.
- Third paragraph of tenth schedule was deleted: A little tightening was done earlier by doing away with a split, that is, paragraph three of the Tenth Schedule of the Constitution. It had said, if there is a split in a particular party, and one-third of the legislators move along with the breakaway group, they will not be disqualified. So, split was a defence against disqualification.
- No authoritative interpretation of the law: there is a very disturbing trend, which is to interpret paragraph four (decision on questions as to disqualification on ground of defection) in a particular way, because there is no authoritative declaration of law from the Supreme Court on the exact application of it.
- No timeline fixed for the Speaker: In the 10th Schedule currently, there is no timeline fixed for the Speaker to determine the issue and the purpose of this anti-defection law is defeated.
Conclusion
- People are principal stakeholders in a democracy; parties are merely the institutional intermediaries. Democracy needs stable parties, but controlling legislators removes their representative role. Need of the hour is to fix the loopholes in the system because the continuous cycle of instability adversely affects the people, who are the primary stakeholders in a democracy and suffer the most.
Mains Question

Q. The events of spilt within the political are rising posing a challenge to the Anti defection law In this backdrop discuss the need of Anti defection law?

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Aadhaar Card Issues

60% of India’s voters linked Aadhaar to voter ID: RTI

| Governance | Mains Paper 2: Representation Of People’s Act
Central idea: An RTI query has revealed that around 60% of Indian voters have linked their Aadhaar cards with their voter ID cards.

Benefits of Aadhaar linking
- Voter uniqueness: The move to link Aadhaar and voter ID cards was introduced to prevent electoral fraud and ensure unique identity of each voter.
- Curb bogus votes: It is expected to help prevent multiple voting, impersonation, and bogus voting, which have been a concern in the past.
- Facilitate migrant voting: There have been migrant workers who may have been registered more than once on the electoral rolls in different constituencies or for persons registered multiple times within the same constituency.
Is the linking of Aadhaar with one’s Voter ID mandatory?
- In December 2021, Parliament passed the Election Laws (Amendment) Act, 2021 .
- It states that the electoral registration officer may require voters to furnish their Aadhaar numbers to verify Authencity of voters list.
- This was to amend the Representation of the People Act, 1950 and Section 23(4) was inserted in the RP Act.
Why was such linking proposed?

The preference to use Aadhaar for verification and authentication, both by the state and private sector, stems from few reasons:
- Increase in UID-holders: First, at the end of 2021, 99.7% of the adult Indian population had an Aadhaar card.
- Most versatile document: This coverage exceeds that of any other officially valid document such as driver’s licence, ration cards, PAN cards etc. that are mostly applied for specific purposes.
- Reliable source of authentication: Since Aadhaar allows for biometric authentication, Aadhaar based authentication and verification is considered more reliable, quicker and cost efficient when compared to other IDs.
Issues with mandatory linking: Puttaswamy judgment highlights
- Puttaswamy judgment: The above reasons do not suffice the mandating of Aadhaar except in limited circumstances as per the Puttaswamy judgment.
- The indispensability of the purpose: It needs to be considered whether such mandatory linkage of Aadhaar with Voter ID would pass the test of being “necessary and proportionate” to the purpose of de-duplication which is sought to be achieved.
- Constitutional ambiguity: In Puttaswamy, one of the questions that the Supreme Court explored was whether the mandatory linking of Aadhaar with bank accounts was constitutional or not.
- Against informational autonomy: It is the right to privacy which would allow a person to decide which official document they want to use for verification and authentication.
Other judicial observations: Lal Babu Hussein (1995) Case
- The Supreme Court had held that the Right to vote cannot be disallowed by insisting only on four proofs of identity.
- The voters are entitled to rely on any other proof of identity and obtain the right to vote.
What are the operational difficulties?
- Aadhaar is not a citizenship proof: The preference to Aadhaar for the purposes of determining voters is puzzling as Aadhaar is only a proof of residence and not a proof of citizenship.
- Excluding non-citizens is not easy: Verifying voter identity against this will only help in tackling duplication but will not remove voters who are not citizens of India from the electoral rolls.
- Estimate of error rates in biometric based authentication: This certainly differs. As per the UIDAI in 2018, Aadhaar based biometric authentication had a 12% error rate.
- Disenfranchisement of existing voters: Errors have led to the disenfranchisement of around 30 lakh voters in AP and Telangana before the Supreme Court stalled the process of linkage.
Key concern: Right to Privacy
- Some civil societies has highlighted that linking of the two databases of electoral rolls and Aadhaar could lead to the linkage of Aadhaar’s “demographic” information with voter ID information.
- This could lead to violation of the right to privacy and surveillance measures by the state.
- This would leave the EC with the option of verifying its information only through door-to-door checks.
- There is a lack of enforceable data protection principles that regulate how authentication data will be used.
Way Forward
- Address privacy and security concerns: There should be strict measures in place to ensure the safety of personal information and prevent data breaches.
- Provide alternative authentication: The government should provide alternative methods of identity verification. This will help ensure that no citizen is disenfranchised due to the lack of an Aadhaar card.
- Regular monitoring and evaluation: The government should regularly monitor and evaluate the effectiveness of the linking of Aadhaar and voter ID cards in preventing electoral fraud.
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Goods and Services Tax (GST)

GST revenues hit a record ₹1.59 lakh CR in January

| Economics | Mains Paper 3: Indian Economy
India’s Goods and Services Tax (GST) revenues grew 12.7% in January to hit almost ₹1.59 lakh crore ($17.9 billion), the second-highest monthly collections on record, as per revised figures from the Finance Ministry.

What led to hike in GST revenue collection?
- Economic recovery: Discusses how the steady economic recovery in India has led to higher consumption and spending, resulting in increased GST collections
- Crackdown on Tax evasion: Several measures were taken by the government to streamline the GST system and reduce tax evasion, including the implementation of e-invoicing and the use of technology to track compliance.
- Crackdown on fraudulent claims: The government’s efforts to crack down on fraudulent input tax credit claims, have also contributed to the increase in GST collections
- Increase in imports: The higher value of imported goods due to rising commodity prices is another reason behind the increase in GST collections from imports.
What is GST?
- GST is an indirect tax that has replaced many indirect taxes in India such as excise duty, VAT, services tax, etc.
- The Goods and Service Tax Act was passed in Parliament on 29th March 2017 and came into effect on 1st July 2017.
- It is a single domestic indirect tax law for the entire country.
- It is a comprehensive, multi-stage, destination-based tax that is levied on every value addition.
- Under the GST regime, the tax is levied at every point of sale. In the case of intra-state sales, Central GST and State GST are charged. All the inter-state sales are chargeable to the Integrated GST.
Answer this PYQ in the comment box:

Q. All revenues received by the Union. Government by way of taxes and other receipts for the conduct of Government business are credited to the (CSP 2015):

(a) Contingency Fund of India

(b) Public Account

(c) Consolidated Fund of India

(d) Deposits and Advances Fund

Post your answers here

What are the components of GST?

There are three taxes applicable under this system:
1. CGST: It is the tax collected by the Central Government on an intra-state sale (e.g., a transaction happening within Maharashtra)
2. SGST: It is the tax collected by the state government on an intra-state sale (e.g., a transaction happening within Maharashtra)
3. IGST: It is a tax collected by the Central Government for an inter-state sale (e.g., Maharashtra to Tamil Nadu)
Advantages of GST
- GST has mainly removed the cascading effect on the sale of goods and services.
- Removal of the cascading effect has impacted the cost of goods.
- Since the GST regime eliminates the tax on tax, the cost of goods decreases.
- Also, GST is mainly technologically driven.
- All the activities like registration, return filing, application for refund and response to notice needs to be done online on the GST portal, which accelerates the processes.
Issues with GST
- High operational cost
- GST has given rise to complexity for many business owners across the nation.
- GST has received criticism for being called a ‘Disability Tax’ as it now taxes articles such as braille paper, wheelchairs, hearing aid etc.
- Petrol is not under GST, which goes against the ideals of the unification of commodities.
Take a look at the share of GST in government earnings for the previous fiscal:

UPSC can ask about the majority component of the Revenue Receipts of the govt. See how Corporate tax is nearing the GST revenues.

Do you think it will surpass GST revenue when the economy is fully recovered?

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Judicial Reforms

CJI announces launch of ‘Neutral Citations’ for SC judgements

Prelims Only | Polity | Mains Paper 2: Executive & Judiciary
The CJI expressed hope that High Courts too would follow neutral citation for their judgments. The Delhi, Kerala, and Madras HCs have already introduced neutral citation.

What is a “Citation”?
- A case citation is essentially an identification tag for a judgment.
- Typically, it would contain a reference number, the year of the judgment, the name of the court that delivered that judgment, and a shorthand for the journal publishing the judgment.
And what is a neutral citation?
- A neutral citation would mean that the court would assign its own citation — distinct from those given by traditional Law Reporters.
- Law Reporters are periodicals or annual digests that publish judgments, often with an editorial note to make it accessible for lawyers to refer to precedents.
- For example, for the landmark Kesavananda Bharati case, the citation in ‘Supreme Court Cases’, a journal published by the Eastern Book Company, is (1973) 4 SCC 225.
- In the All India Reporter (AIR), the citation is AIR 1973 SC 1461.
Why is a neutral system good or necessary?
- Judgments mention citations while referring to precedents and often use citations from different Law Reporters.
- With artificial intelligence (AI) enabled translation of judgments and transcribing of court proceedings, a uniform citation is necessary.
- Several High Courts including Delhi High Court have started a neutral citation format.
- The Delhi HC neutral citation is, for example, in this format: No-YEAR/DHC/XXXXXX
How will the SC implement the neutral citation system?
- Our recent initiative is neutral citations for all judgments of the Supreme Court.
- So all 30,000 judgments are going to have neutral citations.
- First tranche will be till January 1, 2023, then the other tranche will be till judgments from 2014 and then finally we will go back to 1950.
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Labour, Jobs and Employment – Harmonization of labour laws, gender gap, unemployment, etc.

Four-day workweek: Analysis

op-ed snap | Economics | Mains Paper 3: Issues relating growth and development, employment
Central Idea
- Much is being made about the major breakthrough in one of the largest-ever experiments with a four-day workweek in Britain. Sixty-one companies were part of the six-month trial and 56 of them have opted to continue with the program, while 18 have made it permanent. 4 Day Week Global trial, overseen by Autonomy, aimed to improve work-life balance by allowing workers to work four days instead of five with the same salary and workload.
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Advantages of implementing a four-day workweek
- Improved Work-life balance: Having a positive work-life balance can also allow professionals to adopt a better attitude about their work, as they can return to their jobs well-rested. This can help employees remain productive and enthusiastic while working.
- Increased job satisfaction: With more free time, employees may feel more satisfied with their jobs and be more engaged at work.
- Reduced absenteeism and turnover: Offering a four-day workweek could make companies more attractive to potential employees, and employees may be less likely to miss work or leave their jobs if they have a better work-life balance.
- Increased productivity: Some studies have shown that shorter workweeks can actually boost productivity, as employees may be more focused and efficient during their work hours.
- Positive environmental impact: Working four days per week decreases the number of times a professional commute to work. This is helpful to the environment, as most vehicles produce emissions that can harm the environment.
Potential disadvantages
- Limited impact: The benefits of a four-day workweek may be limited in certain industries or job types, such as those that require shift work or have strict deadlines.
- Increased workload: Employees may feel pressure to complete the same amount of work in fewer hours, resulting in an increased workload and potential burnout.
- Reduced productivity: Some employees may find it difficult to maintain focus and productivity over longer workdays. This could lead to a decrease in overall output and quality of work.
- Impact on customer service: If businesses are closed for an extra day each week, it may be more difficult to provide customer service or maintain consistent operating hours.
- Reduced income: With a shorter workweek, employees may see a reduction in their pay, which could be a disadvantage for those who rely on their income to cover living expenses.
Examples of companies/organizations considering a four-day workweek
- Microsoft Japan: In 2019, the tech giant conducted a trial where employees worked a four-day week and saw a 40% increase in productivity.
- Iceland: A number of companies and organizations in Iceland have experimented with shorter workweeks, including the country’s government, which is exploring a four-day workweek for public servants.
- New Zealand: Unilever New Zealand recently announced it would be trialing a four-day workweek for all of its employees, while the country’s prime minister, Jacinda Ardern, has previously spoken in favor of the idea.
- Spain: The government of Spain has proposed a three-year trial of a four-day workweek, with the goal of improving work-life balance and boosting productivity.
Feasibility of Four-day workweek in India’s context
- Will require a careful analysis: The feasibility and impact of a four-day workweek in India would depend on various factors such as industry type, workforce demographics, and cultural norms. Implementing a four-day workweek in India would require careful analysis of various factors.
- For instance: With the rise of remote work and the increased focus on work-life balance four day week option could be helpful to enhance productivity with improved work life balance in corporate sector.
- Complex regulations: India’s labour laws and regulations are complex and provide significant protections for workers. Any changes to work arrangements, including a four-day workweek, would need to comply with these laws and ensure that employees’ rights and benefits are protected.
- For example: Any reduction in working hours would need to be accompanied by appropriate compensation and benefits to ensure that employees do not suffer financial losses.
- Specific needs of industries: The feasibility of a four-day workweek would depend on the specific needs of different industries.
- For instance: While some knowledge-based sectors may be well-suited to a four-day workweek, industries that require continuous operations or shift work, such as manufacturing or healthcare, may face significant challenges in implementing a shorter workweek.
Conclusion
- It’s important to carefully consider the potential advantages and disadvantages of a four-day workweek before implementing it in any workplace. The impact may vary depending on the specific work arrangements and the needs of the employees and customers.
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Digital India Initiatives

UPI: Internationalization of Digital Payments

op-ed snap | Economics | Mains Paper 3: S&T – Applications In Everyday Life
Central Idea
- On Tuesday, the Union government unveiled India’s first cross-border real-time payments systems linkage, with the Unified Payments Interface (UPI) connecting with Singapore’s PayNow payment system.
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What is Unified Payments Interface (UPI)
- UPI is India’s mobile-based fast payment system, which facilitates customers to make round-the-clock payments instantly, using a Virtual Payment Address (VPA) created by the customer.
- It eliminates the risk of sharing bank account details by the remitter.
- UPI supports both Person-to-Person (P2P) and Person-to-Merchant (P2M) payments and it also enables a user to send or receive money.
What is PayNow?
- It is a fast payment system in Singapore.
- It enables peer-to-peer funds transfer service, available to retail customers through participating banks and Non-Bank Financial Institutions (NFIs) in Singapore.
- It allows users to send and receive instant funds from one bank or e-wallet account to another in Singapore by using just their mobile number, Singapore National Registration Identity Card (NRIC)/Foreign Identification Number (FIN), or VPA.
Overview: Remarkable success of UPI
- Changed the landscape of electronic payments: The introduction of UPI in 2016-17 led to a dramatic change in the electronic payments landscape of the country.
- Instrumental in dramatic growth of digital payments: Along with the JAM trinity of Jan Dhan, Aadhaar and mobile phones, this payment architecture has been instrumental in facilitating the dramatic growth of digital payments in the country, aided by a conducive regulatory framework.
- Value and volume increasing day by day: Over the years, various reports by the RBI have documented the significant increase in digital payments transactions in the country, with per person digital transactions growing both in terms of value and volume.
- Dramatic surge during the pandemic: Contactless payments also witnessed a surge during the pandemic. In fact, as per another study, roughly one-third of households surveyed had transacted digitally for the first time during the lockdown.
- Statistics for instance:
1. In January 2023, roughly 8 billion transactions were carried out on the UPI platform, whose value touched almost Rs 13 lakh crore.
2. In comparison, in January 2020, just prior to the pandemic, 1.3 billion transactions were routed through the UPI platform, which touched Rs 2.1 lakh crore in value.
- Aided in accelerating financial inclusion: The convenience of real-time transfer of payments, the zero-cost framework for users, the rapid expansion in the acceptance touch-points, have encouraged its widespread adoption. This has also aided in accelerating financial inclusion by providing access to financial services at low cost.
Did you know? “UPI Lite”
- UPI Lite is a on device wallet feature similar to the ones seen on popular digital payment apps such as Paytm, Freecharge, MobiKwik and others.
- The feature will allow you to make faster near real-time small value payments without internet connection via the money added in the wallet.
- In phase one, UPI Lite will process transactions in near offline mode i.e. debit offline and credit online, and at a later point, UPI Lite will process transactions in complete offline mode i.e. debit and credit both offline.
All you need to know about UPI-PayNow interlinkage facility
- How is the interlinkage benefit users?
1. With this facility, funds held in bank accounts or e-wallets can be transferred to /from India using just the UPI ID, mobile number, or Virtual Payment Address (VPA), which is essentially the address to or through which you can make UPI money transfers.
2. With this payment facility, both inward and outward remittances will happen instantly.
- Who can undertake remittance transactions through this facility: Account holders of participating banks and financial institutions in India and Singapore.
- Participating banks in India and Singapore:
1. Banks from India are Axis Bank, DBS Bank India, ICICI Bank, Indian Bank, Indian Overseas Bank and State Bank of India (SBI). Going forward, the UPI-PayNow interlinkage will cover more banks and financial institutions.
2. From Singapore, DBS Bank Singapore and Liquid Group (Non-Bank Financial Institution) are selected.
3. Popular payment platforms such as PhonePe and Google Pay have been excluded from the ambit of this framework. Perhaps, over time, these platforms will also be brought under this framework, aiding in its widespread adoption.
- The daily transaction limit:
1. Banks in India have not communicated about any restrictions on transfers yet.
2. It is Rs 60,000 (around SGD 1,000). Initially, DBS customers can use PayNow-UPI only to transfer funds up to SGD 200 per transaction, capped at SGD 500 per day.
3. There is no such communication about capping for transferring funds through Liquid Group (Non-Bank Financial Institution) to India.
Conclusion
- The UPI-PayNow interlinkage is a milestone moment for cross-border transfers. Not only India but the world has witnessed how UPI revolutionized the landscape of domestic digital payment infrastructure. With this encouraging development we are now going to see a similar revolution in the cross-border payments space as well. This internationalization of the digital payments architecture, will help bring down both the cost and the time associated with such transfers, bringing benefits to migrant workers, students, and professionals, among others.
Mains Question

Q. Recently India launched its first cross-border real-time payments systems linkage with Singapore. In this light highlight Discuss remarkable success of UPI and prospect of internationalization of UPI.

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

India’s Rich Biodiversity Needs Science Based Implementation

op-ed snap | Enviro & Biodiversity | Mains Paper 3: Conservation, Environmental Pollution & Degradation, Eia
Central Idea
- The sum and variation of our biological wealth, known as biodiversity, is essential to the future of this planet. India currently hosts 17% of the planet’s human population and 17% of the global area in biodiversity hotspots, placing it at the helm to guide the planet in becoming biodiversity champions.
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What is 30×30 pledge?
- The importance of our planet’s biodiversity was strongly articulated at the United Nations Biodiversity Conference in Montreal, Canada.
- On December 19, 2022, 188 country representatives adopted an agreement to halt and reverse biodiversity loss by conserving 30% of the world’s land and 30% of the world’s oceans by 2030, known as the 30×30 pledge.
Government’s efforts, Programs with potential
- Green Growth push in Budget: The Union Budget 2023 mentioned Green Growth as one of the seven priorities or Saptarishis. The emphasis on green growth is welcome news for India’s biological wealth as the country is facing serious losses of natural assets such as soils, land, water, and biodiversity.
- Green India Mission: The National Mission for a Green India aims to increase forest cover on degraded lands and protect existing forested lands.
- Green Credit Programme: The Green Credit Programme has the objective to incentivize environmentally sustainable and responsive actions by companies, individuals and local bodies.
- The MISHTI Program: The Mangrove Initiative for Shoreline Habitats & Tangible Incomes (MISHTI) is particularly significant because of the extraordinary importance of mangroves and coastal ecosystems in mitigating climate change.
- PM-PRANAM: The Prime Minister Programme for Restoration, Awareness, Nourishment, and Amelioration of Mother Earth (PM-PRANAM) for reducing inputs of synthetic fertilizers and pesticides is critical for sustaining our agriculture.
- Amrit Dharohar scheme: The Amrit Dharohar scheme is expected to encourage optimal use of wetlands, and enhance biodiversity, carbon stock, eco-tourism opportunities and income generation for local communities. If implemented in letter and spirit, Amrit Dharohar, with its emphasis on sustainability by balancing competing demands, will benefit aquatic biodiversity and ecosystem services.
- For instance: The recent intervention by the Ministry of Environment, Forest and Climate Change to stop the draining of Haiderpur, a Ramsar wetland in Uttar Pradesh, to safeguard migratory waterfowl is encouraging.
Programs must be science-based
- Evidence-based implementation: It is critical that these programs respond to the current state of the country’s biodiversity with evidence-based implementation.
- A science-based and inclusive monitoring programme: A science-based and inclusive monitoring programme is critical not only for the success of these efforts but also for documentation and distillation of lessons learnt for replication, nationally as well as globally.
- Employing modern concepts of sustainability: New missions and programmes should effectively use modern concepts of sustainability and valuation of ecosystems that consider ecological, cultural, and sociological aspects of our biological wealth.
- Setting clear boundaries and priorities: With clear system boundaries, prioritisation of the benefits to resource people, and fund-services (rather than stock-flows) as the economic foundation for generating value has enormous potential for multiple sustainable bio-economies.
- Efficient water use patterns: The future of our wetland ecosystems will depend on how we are able to sustain ecological flows through reduction in water use in key sectors such as agriculture by encouraging changes to less-water intensive crops such as millets as well as investments in water recycling in urban areas using a combination of grey and blue-green infrastructure.
- Focus must be on ecological restoration: As far as the Green India Mission is concerned, implementation should focus on ecological restoration rather than tree plantation and choose sites where it can contribute to ecological connectivity in landscapes fragmented by linear infrastructure.
- Choices should be made on evidences of resilience: Choice of species and density should be informed by available knowledge and evidence on resilience under emerging climate change and synergies and trade-offs with respect to hydrologic services.
- Careful site selection for mangrove initiative: Site selection should also be carefully considered for the mangrove initiative with a greater emphasis on diversity of mangrove species with retention of the integrity of coastal mud-flats and salt pans themselves, as they too are important for biodiversity.
- Effort in response: In response to these needs, we hope that the National Mission on Biodiversity and Human Wellbeing (Mission to green India’s economy, restore natural capital, and make India a global leader in applied biodiversity science) already approved by PM-STIAC, will be immediately launched by the government.
Did you know?

Grey and Blue-Green Infrastructure
- Grey infrastructure: It refers to traditional man-made infrastructure, such as buildings, roads, and bridges, that are designed to provide human-made services like transportation, water supply, and waste management.
- Blue-green infrastructure: It is designed to mimic the functions of natural ecosystems, such as wetlands, rivers, and forests, to provide services like stormwater management, water purification, and carbon sequestration.
- Example: It includes, Rainwater harvesting systems that capture rainwater and recharge groundwater, green roofs that provide insulation and absorb rainwater, Urban parks and green spaces that improve air quality and provide habitat for wildlife, Wetlands and retention ponds that filter pollutants and store excess water during floods
- Sustainable and resilient: Blue-green infrastructure is often seen as a more sustainable and resilient alternative to traditional grey infrastructure, as it can help to mitigate the impacts of climate change, reduce urban heat island effects, and enhance the quality of life for urban residents
Prime Minister’s Science, Technology, and Innovation Advisory Council (PM-STIAC):
- PM-STIAC is a high-level advisory body that provides strategic guidance on science, technology, and innovation to the Prime Minister of India.
- Advises the Indian Prime Minister on science and technology policy, identifying emerging areas, recommending missions and projects, and enhancing the effectiveness of science and technology to tackle national challenges.
- The council comprises eminent scientists, technologists, entrepreneurs, and policymakers who are appointed by the Prime Minister.
- PM-STIAC also serves as a forum for stakeholders from academia, industry, and government to interact and collaborate on science and technology initiatives.
Local community involvement
- Efforts must be inclusive: Each of these efforts must be inclusive of local and nomadic communities where these initiatives will be implemented.
- Traditional practices should be integrated: Traditional knowledge and practices of these communities should be integrated into the implementation plans.
Conclusion
- Each of the above-mentioned programs has the potential to greatly improve the state of our nation’s biodiversity if their implementation is based on the latest scientific and ecological knowledge.
Mains Question

Q. What is 30×30 pledge? Discuss some of the key programs taken by the government to promote green growth and biodiversity conservation.

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