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Archives: News

  • ISRO Missions and Discoveries

    Aditya-L1 Reveals Why the 2024 Solar Storm Behaved Unusually

    Why in the news?

    • In May 2024, Earth experienced the strongest solar storm in over two decades, popularly known as Gannon’s Storm.
    • A collaborative study using Aditya-L1 and six NASA satellites has explained the unusual behaviour and enhanced intensity of this storm.

    What Are CMEs?

    • Coronal Mass Ejections (CMEs): Massive bubbles of charged gas and magnetic energy expelled from the Sun.
    • When directed towards Earth, CMEs can:
      • Disturb the magnetosphere
      • Disrupt satellites, communication networks, GPS
      • Trigger geomagnetic storms affecting power grids

    Key Findings of the Study

    1. Collision of Two CMEs

    • Instead of a single CME rope, two CMEs collided in space.
    • This collision compressed and distorted their magnetic structures.

    2. Magnetic Reconnection Inside the CME

    • Magnetic fields inside one CME snapped and rejoined, creating new magnetic pathways. This internal breakup is called magnetic reconnection.
    • Consequences:
      • Sudden reversal and strengthening of magnetic fields
      • Enhanced geomagnetic impact on Earth
      • Acceleration of charged particles detected by satellites

    3. First Multi-Vantage Observation

    • Observations came from Aditya-L1 and six US satellites:
      • NASA Wind
      • ACE
      • THEMIS-C
      • STEREO-A
      • MMS
      • DSCOVR (NASA-NOAA)
    • Enabled simultaneous study of the storm from Earth, Moon, and L1 point.

    4. Discovery of a Giant Reconnection Region

    • Aditya-L1’s precise magnetic field measurements showed:
      • Reconnection region ≈ 1.3 million km across
      • Nearly 100 times Earth’s diameter
    • First recorded instance of such a giant internal magnetic breakup within a CME.
    If a major solar storm (solar flare) reaches the Earth, which of the following are the possible effects on the Earth ? (2022)

    1. GPS and navigation systems could fail. 

    2. Tsunamis could occur at equatorial regions. 

    3. Power grids could be damaged. 

    4. Intense auroras could occur over much of the Earth. 

    5. Forest fires could take place over much of the planet. 

    6. Orbits of the satellites could be disturbed. 

    7. Shortwave radio communication of the aircraft flying over polar regions could be interrupted. 

    Select the correct answer using the code given below: 

    (a) 1, 2, 4 and 5 only (b) 2, 3, 5, 6 and 7 only (c) 1, 3, 4, 6 and 7 only (d) 1, 2, 3, 4, 5, 6 & 7

  • Foreign Policy Watch: United Nations

    UNEA-7: Rift Over UNEP’s Medium-Term Strategy and Funding Crunch

    Why in the news?

    The seventh UN Environment Assembly (UNEA-7) begins in Nairobi amid deep divisions over the UN Environment Programme’s (UNEP) Medium-Term Strategy (MTS) 2026–2030 and a significant decline in core funding. The MTS acts as UNEP’s operational mandate guiding global work on climate, biodiversity, pollution and land restoration.

    UPSC Prelims Pointers

    About UNEP

    • Headquarters: Nairobi, Kenya
    • Established: 1972 (Stockholm Conference outcome)
    • Governing body: UN Environment Assembly (UNEA)
    • Works on: climate, biodiversity, pollution, land, chemicals, resource efficiency, environmental governance.

    About UNEA

    • Meets biennially.
    • World’s highest-level decision-making body on environment.
    • Each member state of the UN has one vote.

    UNEP’s Environment Fund (EF)

    • Voluntary, but based on an indicative scale of contributions.
    • Provides core, unearmarked funding.
    • Decline in EF impacts UNEP’s operational independence.

    Medium-Term Strategy (MTS)

    • 5-year framework guiding programmatic priorities.
    • Needed for budget approval.
    • Current debate concerns the 2026–2030 MTS text.

    Triple Planetary Crisis

    • Climate change
    • Biodiversity loss
    • Pollution and waste

    Plastics Treaty Process

    • Negotiated under the Intergovernmental Negotiating Committee (INC).
    • UNEP serves as secretariat, but mandate expansion is contested.
    Which one of the following is associated with the issue of control and phasing out of the use of ozone-depleting substances? (2015)

    (a) Bretton Woods Conference 

    (b) Montreal Protocol 

    (c) Kyoto Protocol 

    (d) Nagoya Protocol

  • Modern Indian History-Events and Personalities

    Bankim Chandra Chattopadhyay 

     Why in the news?

    • The family of Bankim Chandra Chattopadhyay, author of Vande Mataram, recently praised the Prime Minister for commemorating the 150 years of the national song.

    About Bankim Chandra Chattopadhyay

    • Born: 27 June 1838, Kantalpara, 24 Parganas (Bengal Presidency)
    • Died: 8 April 1894
    • Also known as Bankim Chandra Chatterjee.
    • Regarded as “Sahitya Samrat” (Emperor of Literature) of Bengali literature.
    • One of the first two graduates of the University of Calcutta; later obtained a law degree.
    • Served in the British Indian government.

    Literary Contributions

    Early Works

    • Began as a poet, later shifted to fiction.
    • First Novel: Durgeshnandini (1865) – first Bengali romance.

    Major Works

    • Kapalkundala (1866), Mrinalini (1869), Vishbriksha (1873), Chandrasekhar (1877), Rajani (1877), Rajsimha (1881) and Devi Chaudhurani (1884)

    Most Famous Work

    • Anand Math (1882)
      • Based on the Sannyasi Rebellion (late 18th century).
      • Contains “Vande Mataram”, later adopted as the national song.

    Vande Mataram

    • Written in Sanskrit.
    • First sung by Rabindranath Tagore at the 1896 Kolkata Session of the Indian National Congress.
    • Adopted as the National Song on 24 January 1950 by the Constituent Assembly.
    • Symbol of Indian nationalism and anti-colonial struggle.
    With reference to the book “Desher Katha” written by Sakharam Ganesh Deuskar during the freedom struggle, consider the follow-ing statements: (2020)

    (1) It warned against the Colonial State’s hypnotic conquest of the mind. 

    (2) It inspired the performance of swadeshi street plays and folk songs. 

    (3) The use of ‘desh’ by Deuskar was in the specific context of the region of Bengal. 

    Which of the statements given above are correct? 

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

  • Citizenship and Related Issues

    [9th December 2025] The Hindu OpED: Democracy’s paradox, the chosen people of the state

    UPSC Relevance

    [UPSC 2022] ‘‘While the national political parties in India favour centralisation, the regional parties are in favour of State autonomy.’’ Comment

    Linkage: This question directly relates to GS-2 Federalism. It links to issues of Centre-State powers, identity-based politics, and recent debates like citizenship verification/NRC/SIR, where states contest central authority.

    Mentor’s Comment

    This article examines the constitutional, legal and administrative paradox emerging from India’s ongoing attempts to verify citizenship through the Special Intensive Revision (SIR) of electoral rolls. The debate highlights the tension between documentation vs. status, state power vs. individual rights, and democracy vs. exclusion. For UPSC aspirants, this issue is significant because it intersects with federalism, citizenship law, administrative reforms, constitutional morality, and voter rights.

    Introduction

    India’s constitutional framework treats citizenship as a matter determined solely by law and Parliament, not routine administration. However, the recent use of SIR to verify electoral rolls has created friction between constitutional citizenship (status) and documentation-based citizenship (evidence). The article argues that the burden of proof is being pushed onto individuals despite ambiguities in law, unclear Census-NPR linkages, and historical inconsistencies in Assam’s NRC. This creates a paradox in which the state constructs legitimacy but simultaneously demands individuals prove they belong to that very state.

    Why in the News?

    The Election Commission’s Special Intensive Revision (SIR) of electoral rolls has reignited India’s long-running citizenship debate by shifting the burden of proving citizenship onto individuals, something the Constitution never intended. For the first time since independence, a nationwide administrative exercise mirrors the logic of NPR-NRC processes without legislative mandate, raising fears of wrongful exclusions, ethnic profiling, and contradictions between constitutional citizenship and administrative citizenship. This marks a sharp and controversial departure from earlier electoral roll revisions that assumed all residents are citizens unless proven otherwise.

    How does citizenship verification create a conflict between status and evidence?

    1. Constitutional Citizenship:
      1. Citizenship status is determined only by Parliament under Articles 5–11, not by administrative bodies like the Election Commission.
      2. Substantiation: The Home Ministry alone has the authority to decide citizenship; EC cannot adjudicate it.
    2. Evidence vs. Status Conflict:
      1. Documents like passports, Aadhaar, NPR data are not conclusive proof of citizenship.
      2. Substantiation: Passports can be forged; Aadhaar is given to all residents; NPR data’s legal basis remains unclear.
    3. Presumption Principle: EC’s SIR breaks with the established assumption that all residents on electoral rolls are citizens unless proven otherwise.

    What legal inconsistencies arise while proving Indian citizenship?

    1. No Clear Proof Mechanism: India lacks a single definitive document that proves citizenship. Example: A person may hold a passport but still be unable to prove citizenship in court.
    2. Ambiguity in NPR and NRC linkage: NPR 2010 & 2015 updates used Census infrastructure but lacked stable legal clarity on how citizenship data would be used.
    3. Birth-Based Citizenship Limits: Citizenship by birth is restricted after 1987 and 2004, parental citizenship must also be established. Example: Post-2003 rules exclude “illegal migrants” even if born in India.

    How do historical precedents shape current anxieties?

    1. Assam NRC Experience: 19 lakh+ residents excluded, many of whom were ethnic Assamese or Bengali Hindus.
    2. Pilot Projects of 2008 & 2010: Early verification exercises in border states showed high error rates and mass exclusions.
    3. Legacy Documents Problem: Citizenship linked to pre-1971 documents (Assam Accord) created practical hardships for ordinary people.

    How does state authority expand through documentation?

    1. Shift of Burden to Individual: SIR and NPR-type exercises place responsibility on residents to prove citizenship instead of the state to verify it.
    2. Expansion of Administrative Power: Local officials gain disproportionate authority to decide who is “doubtful.” Electoral officials examine documents and decide eligibility on daily basis.
    3. Security-State Logic: Administrative citizenship becomes aligned with policing, not inclusion.

    Why is this a “Democratic Paradox”?

    1. State Creates People, Not Vice Versa: The state assumes the power to determine who counts as “people,” instead of people creating the state.
    2. Contradiction with Republic’s Founders: Founders envisioned territorial citizenship, not ethnicity-based citizenship.
    3. Democratic Exclusion: Verification processes may disenfranchise genuine citizens, violating equal political rights.

    Conclusion

    India’s citizenship verification debate reflects a deeper constitutional tension between democracy’s inclusive promise and bureaucratic exclusion driven by identity, documentation, and administrative power. A citizenship regime based on presumption of inclusion is now shifting toward suspicion and proof-based inclusion. The article highlights the urgent need for legal clarity, transparent processes, and alignment between constitutional citizenship and administrative citizenship, ensuring that democracy’s foundation, universal franchise, is not undermined.

     

  • Promoting Science and Technology – Missions,Policies & Schemes

    To fulfil STEM potential, India must cast a net wider, go to the roots

    Introduction

    India’s STEM ecosystem faces deep-rooted structural constraints even as the government seeks to reform doctoral guidelines and redirect research toward emerging national needs. The debate highlights persistent gaps in funding, fellowships, university governance, research priorities, and industry linkages. 

    Why in the news?

    The issue is significant because the government has asked ministries and departments to re-examine PhD guidelines and shift focus to topics of national relevance. This action comes at a time when existing systemic problems, like delayed fellowship payments, inadequate stipends, poor institutional support, and the absence of industry linkages, have reached a critical point. Several premier institutions have not paid PhD stipends for months, and research fellowships remain stagnant at ₹8,000 per month since 2012 for many categories, sharply contrasting with inflation and rising living costs. 

    Understanding the Roots of India’s STEM Challenges

    What structural issues limit India’s STEM potential?

    1. Weak Research Relevance: Research funded by government departments often lacks direct relevance to national technological needs, reducing innovation output and long-term applicability.
    2. Low Public Visibility: Communication gaps hinder public understanding of how government-funded research benefits society or advances national capability.
    3. Fragmented Institutional Support: Government departments and agencies lack coordinated mechanisms for selecting and nurturing PhD candidates working in critical areas like energy storage, sustainable agriculture, health tech, and battery technologies.

    Why is applied research struggling in India?

    1. Limited Industry Linkages: Applied science breakthroughs, though central to modern technological advances, receive inadequate industry support, reducing opportunities for scale-up.
    2. Insufficient Local Innovation Ecosystems: Historical examples like the laser or optical fibre show how long-lag research becomes transformative. India still lacks comparable mechanisms to nurture such deep-tech research.
    3. Weak Commercialisation Pathways: The absence of industry-academia collaboration limits the transition from early-stage research to viable technologies.

    How do fellowship and salary problems deepen the crisis?

    1. Delayed Payments: University-funded PhDs and major fellowships like non-NET scholarships frequently experience months-long delays, affecting basic sustenance and productivity.
    2. Inadequate Fellowship Amounts: The ₹8,000 monthly scholarship, unchanged since 2012, remains insufficient even for minimal living costs.
    3. Forced Supplementary Work: Students must take up temporary teaching assignments, reducing time available for research.
    4. Failed Direct Transfer Models: Attempts to transfer fellowship payments directly from banks collapsed due to payment delays and administrative complexities.

    Why is India’s research ecosystem unable to retain talent?

    1. Limited Faculty Positions: Funded PhDs are scarce; many bright students cannot find positions due to narrow intake. 
    2. Opaque Recruitment Processes: Ad-hoc contractual appointments reduce academic stability and deter long-term research commitment.
    3. Weak University Ecosystem: Few Indian universities maintain predictability and transparency in administrative and financial processes.

    What non-STEM burdens weaken STEM research?

    1. Non-scientific Teaching Loads: PhD programmes require students to teach subjects like psychology, sociology, history, diverting time and focus from scientific inquiry.
    2. Administrative Distractions: Non-STEM tasks increase the administrative burden on researchers, affecting scientific productivity.
    3. Cultural undervaluation of STEM: Specific social sciences are privileged in university structures, leading to skewed resource allocation.

    Conclusion

    India’s STEM potential depends on addressing foundational issues, predictable funding, research relevance, ecosystem stability, transparent administration, and meaningful industry linkages. Without systemic reform, higher fellowships alone cannot solve deeper governance failures. Strengthening these roots will determine whether India can build a globally competitive research ecosystem capable of supporting national development.

    UPSC Relevance

    [UPSC 2024] What is the present world scenario of intellectual property rights with respect to life materials? Although India is second in the world to file patents, still only a few have been commercialised. Explain the reasons behind this less commercialization.

    Linkage: This theme links directly to GS-3: Science & Technology, IPR, innovation ecosystem, highlighting gaps between patent filings and commercialization. It is relevant for analysing India’s weak research-to-market pipeline, low industry linkages, funding delays, and systemic failure.

  • Innovations in Biotechnology and Medical Sciences

    How can India benefit from neurotechnology

    Introduction

    Neurotechnology integrates neuroscience, AI, engineering, and computing to decode and influence neural activity. At the core of this revolution lies the Brain-Computer Interface (BCI), a system that converts thoughts into actions using implanted or non-invasive devices. As global investment accelerates, India stands at a crucial juncture: it must leverage its scientific strengths while addressing regulatory and ethical gaps to become a competitive player in this emerging domain.

    Why in the news

    Neurotechnology has moved into a phase of rapid global advancement, with major breakthroughs such as in-human trials of Neuralink’s BCI receiving regulatory approval in 2024. Nations like the U.S., China, and Chile are accelerating R&D through large-scale missions. 

    Understanding Neurotechnology and BCIs

    1. Mechanical-neural integration: Neurotechnology uses devices that read, monitor, or influence brain activity, enabling control of cursors, robotic arms, wheelchairs, or prosthetics in real time.
    2. BCI systems: BCIs convert neural signals into digital commands, using implanted electrodes for precision or non-invasive systems such as EEG headsets.
    3. Therapeutic potential: Devices help diagnose brain disorders, stimulate brain regions for depression or Parkinson’s, or allow communication for patients with paralysis.
    4. Human-human interfaces: Research has even enabled brain-to-brain communication, transmitting simple information between individuals.

    India’s Need for Neurotechnology

    1. High neurological disease burden: India faces major disorders such as stroke, Parkinson’s disease, spinal cord injuries, and depression.
    2. Growing share of NCDs: Between 1990-2019, the share of non-communicable and injury-related neurological disorders rose steadily.
    3. Stroke as largest contributor: Stroke has become the top neurological contributor to India’s disease load.
    4. Rehabilitation benefits: BCIs offer possibilities for motor restoration, communication, and reducing long-term medication dependency.
    5. Mental health potential: With rising mental health challenges, neuromodulation and cognitive stimulation could offer new tools for treatment.

    India’s Current Standing

    1. Academic leadership: Institutes such as IIT Delhi, IISc, and AIIMS are active in BCI research, advancing sensor tech, signal processing, and neural implants.
    2. Neurorights and ethics research: Centres like IIT’s neurotechnology groups study data privacy, cognitive security, and the ethics of manipulating neural signals.
    3. Interdisciplinary progress: Neuroscience, AI, biomedical engineering, and biotech sectors are expanding, positioning India to scale domestic innovation.

    Global Progress and Lessons for India

    1. U.S. BRAIN Initiative: A major collaboration between federal agencies and private partners to accelerate innovative neurotechnologies.
    2. Neuralink trials: In 2024, Neuralink demonstrated that implanted BCIs restored motor functions in paralytic patients.
    3. China Brain Project (2016-2030): Focuses on cognition, brain-inspired AI, and neurological disorders.
    4. Chile & EU leadership: Pioneering frameworks for neuro-rights, ensuring cognitive liberty and mental privacy.
    5. Wide applications: Uses range from healthcare, gaming, rehabilitation, and security, making this not just a medical frontier but an economic one.

    Challenges for India

    1. Regulatory vacuum: Lack of clear national guidelines for invasive vs non-invasive BCIs, safety standards, and neural data protection.
    2. Ethical and privacy concerns: BCIs generate the most sensitive form of data-thought-level signals.
    3. Adoption and funding gaps: Without adequate funding and industry incentives, large-scale deployment will remain slow.
    4. Need for a national mission: A coordinated strategy is required to tap into India’s biotech capacity.

    Conclusion

    Neurotechnology represents a strategic frontier combining biotech, AI, and healthcare. For India, the potential spans medical rehabilitation, national innovation capacity, and future economic growth. However, its successful adoption requires a strong regulatory framework, ethical safeguards, and a dedicated national strategy that aligns technological advancement with patient safety and cognitive rights.

    PYQ Relevance

    [UPSC 2020] What do you understand by nanotechnology and how is it helping in health sector? 

    Linkage: This PYQ falls under GS-3 Science & Technology, where UPSC tests new and frontier technologies shaping future healthcare. Nanotechnology is directly linked to neurotechnology and BCIs, forming the base for next-generation medical diagnostics, making it highly relevant for UPSC.

  • Terrorism and Challenges Related To It

    NATGRID  

    Why in the News?

    • NATGRID is now receiving around 45,000 data-access requests per month, according to government officials.
    • At the 2024 DGP Conference (Nov 28–30, Raipur), chaired by the Prime Minister, all law-enforcement agencies were directed to scale up use of NATGRID in investigations.
    • States have been asked by the Ministry of Home Affairs (MHA) to use the platform extensively to access multiple government and private datasets.

    What is NATGRID?

    • National Intelligence Grid (NATGRID) is an integrated intelligence platform that provides secure, real-time access to various databases for police and investigative agencies.
    • Conceptualised in 2009 after the 26/11 Mumbai terror attacks.
    • Became operational in 2023 (last year).
    • It is accessible only to authorised security agencies.

    Institutional Developments

    • NATGRID gained momentum in 2019 under Home Minister Amit Shah, who resolved inter-agency differences and expanded access to States.
    • In 2020, NATGRID signed an MoU with the National Crime Records Bureau (NCRB) to access the Crime and Criminal Tracking Network and Systems (CCTNS), which links ~14,000 police stations nationwide.

    Recent Challenges Reported

    • Slow or time-consuming login procedures
    • Delays in receiving information that is expected to be real-time

    UPSC Prelims Pointers

    • NATGRID conceptualised → 2009, after 26/11.
    • Operational → 2023.
    • Provides access to government + private datasets.
    • No FIR required to use the platform.
    • Integrated with CCTNS through an MoU with NCRB (2020).
    • Access allowed to SP-rank officers and central agencies.
    • Aim → real-time, secure, multi-source data access for intelligence and investigation.
  • Mother and Child Health – Immunization Program, BPBB, PMJSY, PMMSY, etc.

    Measles  

    Why in the News?

    • According to recent global health reports, measles caused approximately 95,000 deaths in 2024, despite the presence of a highly effective vaccine.
    • Most deaths occurred among unvaccinated children under five, highlighting concerns about declining immunization coverage, vaccine hesitancy, and disruptions in routine immunization services in several regions.
    • The spike has raised alarms globally, making measles a significant public health priority in 2025.

    About Measles

    • Type: Highly contagious airborne viral disease.
    • Causative Agent: Measles virus (family Paramyxoviridae, genus Morbillivirus).
    • Severity: Can lead to pneumonia, encephalitis, blindness, and death.

    Who Is at Risk?

    • Any non-immune person.
    • Higher risk:
      • Unvaccinated young children
      • Pregnant persons
    • Common in parts of Africa, the Middle East, and Asia.

    Treatment

    • No specific antiviral treatment.
    • Management is supportive (hydration, fever control, nutrition, monitoring complications).

    Prevention

    • Measles-Rubella (MR) vaccine offers long-term protection.
    • India:
      • Measles vaccine included in Universal Immunization Programme (UIP) in 1985.
      • Ongoing campaigns aim to eliminate measles and rubella.

    UPSC Prelims Pointers

    • Measles virus → Paramyxoviridae.
    • Virus survives 2 hours in air/surfaces → high transmission.
    • No antiviral; vaccine is key preventive tool.
    • Koplik spots → diagnostic hallmark.
    • India introduced measles vaccine in Universal Immunization Programme (UIP) → 1985.
    • Recent spike in global deaths makes measles a current affairs hotspot.
    HINI virus is sometimes mentioned in the news with reference to which one of the following diseases? (2015)

    (a) AIDS 

    (b) Bird flu 

    (c) Dengue 

    (d) Swine flu

  • Foreign Policy Watch: India-Africa

    Benin

    Why in the news?

    Benin President Patrice Talon said the security forces stopped a coup attempt by some soldiers in Cotonou on December 7.

    Key Facts

    • Country in West Africa
      Total area about 112622 sq km
      Borders: Niger to the northeast and east, Togo to the west, Burkina Faso to the northwest and the Southern coastline on the Bight of Benin (Gulf of Guinea, Atlantic Ocean)
    • Major rivers:
      • Niger and its tributaries Mékrou, Alibori, Sota (northeast)
      • Mono, Couffo, Ouémé
    • Official capital: Porto Novo
      • Largest city and de facto capital: Cotonou
    • Approx population: 10.87 million (2016)
    • Official language: French
      Widely spoken local languages: Fon, Yoruba
    • Currency: West African CFA franc (XOF)
    • Former French colony; independence in 1960
    • Type of government: Presidential Republic
      • Multi-party democratic system
    In the recent years Chad, Guinea, Mali and Sudan caught the international attention for which one of the following reasons common to all of them? (2023)

    (a) Discovery of rich deposits of rare earth elements 

    (b) Establishement of Chinese military bases 

    (c) Southward expansion of Sahara Desert 

    (d) Successful coups

  • Digital India Initiatives

    Unified Payments Interface (UPI)

    Why in the news?

    An IMF report has recognized UPI as the worlds largest real time retail fast payment system by transaction volume. As per ACI Worldwide (Prime Time for Real Time 2024), UPI accounts for about 49 percent of global real time payment transactions.

    Note: UPI accounts for 85% of all digital payments within India.

    Key Facts

    • Global leadership
    • India: 129.3 billion transactions
    • 49 percent share of global real time payment volume
    • Followed by: Brazil 14 percent, Thailand 8 percent, China 6 percent and South Korea 3 percent
    • Developed by National Payments Corporation of India (NPCI)
    • Regulatory oversight Reserve Bank of India and Ministry of Finance support policy push
    • Government support initiatives
      • Incentive scheme for low value BHIM UPI transactions
      • PIDF (Payments Infrastructure Development Fund) for merchant infrastructure in Tier 3 to 6 areas
      • Expansion of RuPay UPI acceptance across transport, ecommerce, and public services

    Infrastructure Growth: 5.45 crore digital touch points deployed through PIDF in Tier 3 to 6 centers (as of Oct 2025)

    • 56.86 crore QR codes deployed to approx 6.5 crore merchants (FY 2024-25)
    Which one of the following links all the ATMs in India? (2018)

    (a) Indian Banks’ Association 

    (b) National Securities Depository Limited 

    (c) National Payments Corporation of India 

    (d) Reserve Bank of India

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