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  • Video based Customer Identification Process (V-CIP)

    The RBI has amended the KYC norms allowing banks and other lending institutions regulated by it to use Video-based Customer Identification Process (V-CIP), a move which will help them, onboard customers, remotely.

    V-CIP

    • The V-CIP will be consent-based, will make it easier for banks and other regulated entities to adhere to the RBI’s KYC norms by leveraging the digital technology.
    • The regulated entities will have to ensure that the video recording is stored in a safe and secure manner and bears the date and time stamp.
    • As per the circular, the reporting entity should capture a clear image of PAN card to be displayed by the customer during the process, except in cases where e-PAN is provided by the customer.
    • The PAN details should be verified from the database of the issuing authority.
    • Live location of the customer (Geotagging) shall be captured to ensure that customer is physically present in India.

  • Why Australia is killing thousands of camels

    Australia began a five-day cull of up to 10,000 camels, using sniper fire from helicopters. The exercise is taking place in Anangu Pitjantjatjara Yankunytjatjara (called APY Lands) in South Australia state where the animals will be killed according to the “highest standards of animal welfare”.

    Australia’s camel woes

    • Australia is believed to have the largest population of wild camels in the world — over 10 lakh, which is rapidly growing.
    • The herds roam in the country’s inland deserts and are considered a pest, as they foul water sources and trample native flora while foraging for food over vast distances each day.
    • Unless their breeding is controlled, the camel population doubles every nine years.
    • The animals also have a massive carbon footprint, each camel emitting methane equivalent to one tonne of carbon ¬dioxide a year.
    • Some in the APY Lands are now demanding legislation that would allow them to legally cull the animals, which could help offset greenhouse emissions.

    Camels from India

    • Camels in Australia, which number over 10 lakh today, were first brought to the continent in the late 19th century from India when Australia’s massive interior region was first being discovered.
    • Over 20,000 were imported from India between the 1840s and the 1900s.

    Why is Australia killing the camels?

    • The year 2019 was the driest and hottest on record in Australia.
    • A catastrophic bushfire season, that began months before usual, has left over 25 people dead and has burned over 1.5 crore acres of land, killing an estimated 100 crore animals.
    • The acute drought has pushed massive herds of feral or wild camels towards remote towns looking for water, endangering indigenous communities.
    • According to South Australia’s environment department, some camels have died of thirst or trampled each other as they rushed to find water.
    • The camels have been threatening scarce reserves of food and water, besides damaging infrastructure and creating a hazard for drivers, authorities have said.
    • The herds have also contaminated important water sources and cultural sites.

  • Person in news: Manilal Doctor

    An associate of Mahatma Gandhi, Manilal Doctor is known for his efforts towards helping abolish the indentured labour system that Indian immigrants in many parts of the British Empire were subjected to. He fought for the rights of Indian-origin people in Mauritius and Fiji.

    The indentured labour system

    • In 1833, the British Parliament banned slavery, and the practice became illegal throughout the Empire. However, to maintain the supply of labour in their territories, colonial authorities effectively replaced slavery with the indentured labour system.
    • The ‘indenture’ (meaning contract) system required Indians to sign a legal agreement stating their consent to move abroad for a minimum of five years to work mainly on sugar estates.
    • Many were lured to distant lands, such as the Caribbean, South Africa, Réunion, Mauritius, Malaysia, and Fiji, where they ended up living in miserable conditions.
    • In the mid 19th century, over 35 lakh Indians were transported to British, French, and Dutch colonies around the world. The system was officially banned in 1917.

    Manilal Doctor

    • Born in 1881 in Vadodara, Doctor studied law in Bombay before travelling to Britain in 1905 for further studies.
    • He became a member of the Indian Home Rule Society in London, and wrote in the monthly ‘Indian Sociologist’.
    • In 1906, Doctor met Gandhi, who at the time was in London to meet imperial authorities on behalf of South Africa’s Indian origin people.
    • During the meeting, Gandhi asked Doctor to move to Mauritius to assist the Indian community there in their struggle for equal rights. Doctor arrived in Mauritius the following year.

    In Mauritius (1907-1911)

    • Doctor organised the Indian community in the island colony, which consisted of indentured and non-indentured workers, and advocated for the abolition of discriminatory laws.
    • He practised law at the Supreme Court in St Louis, and provided free legal service to bonded workers in need.
    • Doctor visited plantations across the island and met indentured labourers, making them aware of their rights and encouraged them to agitate.
    • He founded ‘The Hindustani’ newspaper in Mauritius, which had the motto “Liberty of Individuals! Fraternity of Men!!! Equality of Race!!!”
    • Doctor also helped establish the Arya Samaj in Mauritius. He returned to India in 1911.

    Next, Fiji (1912-1920)

    • In 1912, Gandhi deputed Doctor to the Fiji Colony with the same objective. Like in Mauritius, Doctor emerged as the leader of the Indian community in Fiji in the coming years.
    • In Fiji, Doctor started ‘The Indian Settler’ newspaper, and helped set up the Indian Imperial Association. Here too, he helped establish the Arya Samaj.
    • In 1920, Doctor organised a major strike, which rattled colonial authorities.
    • The imperial administration had Doctor deported to New Zealand, where he remained under surveillance and was barred from practising.
    • In 1922, Doctor was able to move to Gaya in Bihar, where he could practise law. He later practised for many years in Aden, also then a British colony, and died in Bombay in 1956.

  • [pib] Exercise MILAN 2020

    Visakhapatnam is set to host an International Naval event ‘MILAN’ in March 2020.

    MILAN 2020

    • It is a multilateral naval exercise aimed to enhance professional interaction between friendly foreign navies and learn from each other’s strengths and best practices in the maritime domain.
    • The Exercise with the theme ‘Synergy Across the Seas’ would provide an excellent opportunity for Operational Commanders of friendly foreign navies to interact with each other in areas of mutual interest.
    • Of the 41 navies invited, confirmations from over 30 navies have been received towards their participation in MILAN 2020.

    In continuity with:

    https://www.civilsdaily.com/news/pib-exercise-milan-2020/

  • [op-ed snap] Limited scope for sharp recovery

    Context

    In order to revive the economy, the Government must choose between tax reductions and increasing rural spending.

    The Current Status of the Indian Economy

    • 5 % in 2019-20: The first advance estimate pegs India’s economic growth at 5 per cent in 2019-20.
    • Cause of the slowdown: The slowdown can be attributed largely to a structural demand problem in the economy along with some cyclical
    • Stagnant income and stagnant incomes: Despite largely stagnant incomes, private consumption has been financed over the past few years through lower savings, easy credit, and certain one-offs such as the Seventh Pay Commission led pay-outs.
    • Private consumption is the largest driver of growth.
    • Depleting savings: The household savings rate has dipped to 17.2 per cent of GDP in FY18, from 22.5 per cent in FY13.
    • Depleting credit in the system: Overall credit in the system has dried up.

     Rural economy

    • Low wages and stagnant incomes: Rural wage growth has averaged around 4.5 per cent over the past five years, but adjusting for inflation it has been only 0.6 per cent.
    • Weak real estate sector: The rural population, which was dependent on urban real estate/construction has faced headwinds in the recent past.
    • The sector is experiencing lower private sector investments recently.

    Limited scope for a sharp recovery

    • The following factors render the scope for sharp recovery limited.
    • Consumption issue is structural:  The slowdown in private consumption is a structural issue linked to low household income growth.
    • Low job creation: Low consumption is in turn, linked to the basic problems of low job creation.
    • Low Income: Low consumption is also linked with stagnant farm incomes.
    • None of the above factors is likely to change suddenly, limiting the scope of recovery.
    • Low Investments: Investment is unlikely to rebound sharply given the challenges on both income and balance sheet of the government, private sector, and households.
    • Stressed Government consumption: Which has been supporting growth over the past few years, remains under stress.
    • The combined Centre and states’ fiscal deficit is close to 6.5 per cent of GDP.
    • The public sector is already weighing on the limited domestic financial resources, ruling out space for an aggressive fiscal stimulus.
    • NBFC’s role: Recovery will also depend on the health of the financial sector, especially that of NBFCs.

     Use of the fiscal space

    • Supply-side: The government has shown a clear preference to rely on supply-side measures (like corporate tax cut) to support growth.
    • Need to address demand-side: Expectations will be high that the upcoming Union budget addresses the demand side concerns as well.
    • Spending on rural infrastructure and employment (MGNREGA, PM-KISAN, PMGSY) can decrease pain in rural areas.
    • Given the narrow income tax base, any sacrifice of the fiscal room would be beneficial only for a limited number of people.

    Way forward

    • Widening of the tax base- Given the narrow income tax base, any sacrifice of the fiscal room would be beneficial only for a limited number of people.
    • Broad-basing of the income and consumption profile: Economic reforms in the past have worked to enhance the capacity of the top few hundred million consumers.
    • The next set of reforms should enhance the capacity of those in the middle and the bottom of the income pyramid.
    • Role of the private sector: Given the huge infrastructure gap in the country, it is essential that the private sector’s role in infrastructure creation is much more inclusive.

    Conclusion

    Reforms that increase the productivity of the factors of production, provide an enabling environment for competitive production of goods and services and ensure steady and substantial growth in purchasing power for a larger section of the population should be the focus.

     

  • 10th January 2020| Daily Answer Writing Enhancement

    The topics covered in the upcoming AWE on 13th January are:

    Q.1) Distribution of key natural resources across the world.

    Q.4) Accountability and ethical governance; strengthening of ethical and moral values in governance.

     

    Question 1)

    Discuss the landforms of wind erosion in general while explaining the salient features of Ayers Rock of Australia. (15 Marks)

    Question 2)

    “By enacting CAA, India may miss the forest for the tree.” In light of the above statement describe the implications of CAA for the relation between India and Bangladesh. (15 Marks)

    Question 3)

    What are extreme weather events? Explain the interplay between climate change and extreme weather events. What are the implications for India? (15 Marks)

    Question 4)

    You, an anthropologist, have developed cordial relations with a tribal community which was hitherto isolated from the rest of humanity. Notwithstanding increased interest of researchers and media for the newly discovered tribe, you are the only person from outside whom they trust. They are ardent believers in their goddess and, trusting you, take you to her abode on a holy mountain. To your surprise, you find that the mountain is a reservoir of Uranium that can be used in your power-starved country’s nuclear power plants. Besides, you are aware that Uranium being radioactive, it is highly risky to go near the mountain. You try to convince the people about the harmful effects it can have and the utilitarian value that it possesses for the country. However, they are in no mood to argue and politely ask you to leave. You fear that very soon the outside the world will find out about this and the vulnerable tribe would be displaced from their land. (a) Evaluate the following courses of action which you can take for their ethical merits and demerits: (i.) You would continue to convince the people yourself about the possible consequences and urge them to relocate. (ii.) You would call in local and national NGOs for protecting the rights of the people against the State and file a PIL in Supreme Court if the State proceeds with dispossession. (iii.) You would yourself tell the government and the scientific community about the reserves and let them proceed in their own way.  (b) Without restricting yourself to the above options, state the course of action that you would take and why? (15 Marks)

    Reviews will be provided in a week. (In the order of submission- First come first serve basis). In case the answer is submitted late the review period may get extended to two weeks.

    *In case your answer is not reviewed in a week, reply to your answer saying *NOT CHECKED*. If Parth Sir’s tag is available then tag him.

    For the philosophy of AWE and payment, check  here: Click2Join

  • [op-ed of the day] Weathering the storm

    Context

    State of Climate of India report by IMD should occasion interventions to make people resilient to extreme weather events.

    What does the report confirm?

    • Frequent extreme weather events: The report states that extreme weather events have become par for the course in the country.
    • The report notes that excessive heat, cold and rainfall killed 1,562 people during the year.
    • Intense dry spells, even droughts, were interspersed with floods in several parts of the country
    • Above normal temperature:  The mean temperature last year was 0.36 above normal.
    • The excess rainfall: The country also recorded excess rainfall during both the southwest and northeast monsoons.

    Long-term meteorological trends:

    • The IMD report should be seen in conjunction with long-term meteorological trends.
    • The warmest decade: The World Meteorological Organisation reckons that the decade starting 2011 remains on track to be the warmest on record.
    • Increase in the relative humidity: At the same time, data from the European Centre for Medium-Range Forecast shows that the relative humidity in the mid-troposphere in the Subcontinent has increased by about 2 percent in the past four decades.
    • Such warming has increased the capacity of oceans to form intense cyclonic disturbances.

    Implications for disaster-preparedness:

    • Cyclones: Last year, as the IMD report notes, the Indian Ocean witnessed eight cyclones.
    • Cyclones don’t kill but buildings can turn hazardous during such extreme weather events.
    • The vulnerability of the poor: In Odisha winds blowing at more than 140 kilometers per hour ripped off roofs and window frames in modern houses and also exposed the vulnerability of the mud and bamboo houses of the poor.
    • Guidelines: The Ministry of Housing and Urban Affairs does have guidelines for climate-friendly construction.
    • But planners in coastal cities and towns rarely pay heed to its provisions.
    • Cooperation between the states: The changing dynamics of weather also demands cooperation between states that share a river basin.
    • Maharashtra and Karnataka bickered over opening the gates of the Almatti dam on the Krishna.

    Implications for the farmers:

    • For farmers, vagaries in nature mean disruptions in the entire cropping cycle.
    • This year, Kerala, southern Karnataka, and Gujarat were heavily deficient till July.
    • But within a few days in the last week of July, these states recorded surplus rainfall.
    • Rainwater storage and use: Increasing their resilience calls for efficient rainwater storage and use.

    Conclusion:

    It’s clear that dealing with exceptional weather will require interventions at the national, state and local levels. The Statement on Climate of India 2019 drives home the urgency of such interventions.

  • 9th January 2020 | Prelims Daily with Previous Year Questions

    [WpProQuiz 333]

  • [op-ed snap] A multilateral alternative, by Asia

    Context

    After the gap of 200 years, Asian economies are once again larger than the rest of the world combined.

    The Asian Century

    • Providing an alternative order: With the rise of India and China, Asia is providing a multilateral alternative to the world base on values.
    • Asian Century corresponds to the re-emergence of the two countries, leveraging the size and technological competence
    • Civilizational values: Both countries have civilisational values that are different from the west.
    • Peaceful existence: In the case of India and China balance of power is a western construct and both lived in peace across the ages.
    • The rise of China on the global landscape: In 2013, after attaining 15% of global wealth, announced the multilateral Belt and Road Initiative (BRI). In 2014, launched the Asian Infrastructure Investment Bank, challenging the global governance paradigm.
    • India in 2015, established the International Solar Alliance, laying out a distinct global sustainable development framework.
    • Current multilateralism and its problems: The U.S. has recognised the ‘Asian Century’ bypassing multilateralism and recognised Indo-Pacific construct.
    • The U.S. withdrawal from the Paris Agreement and the inclusion of intellectual property rights into the trade regime point to the colonial origin of the present order.

     

    New Framework- Country-specific to global value chain

    • Changing competition: Competition is moving from country-specific to fragmented competition based on global value chains.
    • Imposing the U.S. determined national security standards has led to only a handful of countries agreeing to ban Huawei for 5G technology.
    • The U.S. imposed sanctions on Iran that have affected India’s interests.
    • A different approach of China: It is based on “common interests” as different from the agreed goals of a negotiated treaty. BRI is an example of this.
    • It optimise not maximise the financial returns with countries remaining out of it.
    • The BRI offers the benefit of integration and connectivity with European markets to the member countries.

    Potential of BRI

    • It acts as a strategic framework: It provides a strategic framework for new global institution building.
    • Its scope is as wide as multilateral treaties.
    • Internationalizing the Renminbi: With state-owned enterprises in the infrastructure sector in the sector in BRI and backing from national banks is internationalising the Renminbi.
    • Developing blockchain bases infrastructure: As a leader in digital transactions, China is developing blockchain-based infrastructure in BRI countries. Thus reducing the dependence on the dollar.

    The shared interest of India and China

    • RCEP: China and the rest of the countries are eager that India joins the Regional Comprehensive Economic Partnership (RCEP), which is poised to become the largest trading block.
    • Security and border dispute: With the U.S. pivot to Asia, China is eager to resolve the dispute with India to avoid constraints.
    • Huawei: India has rejected American opposition to Huawei taking part in 5G trials, India allowed all applicants to participate.

        The emergence of new values

    • The emergence of the new order should not be seen through a western prism.
    • The triumvirate: India, the U.S., and China are intertwined with each other. China was the largest supplier of the goods to the U.S. in 2018 and it has been India’s major trading partner.
    • They take part in limited sectoral cooperation on a regional basis.
    • Both the U.S. and China have a regular high-level discussions on strategic issues with India.

        Area of future differences

    • In Asia, differences will center on overlapping priorities.
    • Security-The U.S.’s effort to maintain hegemony.
    • Economy-China’s emphasis on connectivity, markets, and growth.
    • An equitable and sustainable development-India-led framework of digital infrastructure designed as a public good.

       Conclusion

    With the rise of India and China in Asia and the presence of the U.S. with them is going to make the new order centered around Asia a new reality in the near future.

  • [op-ed snap] The Indian Constitution’s unitary tilt

    Context

    The Centre-State conflict over CAA, and the Constitutional obligation on the state to implement the laws made by the Parliament, has once again brought to the fore the fault lines in the Indian federalism.

    The opposition of the States to the Central law

    • Several state governments have declared that they would not implement the CAA.
    • Legislative Assembly of Kerala passed the resolution stating that the law contradicts the basic values.
    • The resolution is only symbolic.
    • Passage of such a resolution is not constitutionally barred.
    • But it may not be in tune with the federal scheme under the Constitution.

    What are the obligations on the States?

    • Article 256 obligates the State governments to ensure the implementation of the laws made by Parliament.
    • The Centre may give such direction as may appear to be necessary to ensure compliance with the laws made by Parliament.
    • The refusal to enforce the law even after the Centre issues direction would empower the President to impose the President’s Rule in the State.
    • Neither the refusal to implement not the official protests registered by the States carry much legal force.
    • The Calcutta High Court directed the state government to remove anti-CAA advertisements from the website.
    • The High Court barred the state from campaigning against a parliamentary law.

    The diminishing role of the Opposition

    • The parliament has been reduced to a site for procedural formalities.
    • There is a poor understanding of the role of the parliamentary Opposition in Indian politics.
    • Once the elections are over the Opposition is expected not to meddle in the governance.
    • The absence of Leader of Opposition in the Parliament for the last 6 years manifests this attitude.
    • Further, in the absence of the Opposition showing any resilience, national politics seems to be operating without a credible political check.

    The unitary tilt of the Constitution

    • Single-party dominance at the Centre has always revealed the tendency of our Constitution to concentrate the power.
    • The concentration of power is embedded in the very structure of the Constitution.
    • A ‘centrist bias’ of the Constitution further augments the power of single-party dominance.
    • Against the backdrop of the fissiparous tendencies in the backdrop of partition, it was justified for the founders to be hesitant in favour of stronger federalism.

    The rise of Electoral federalism

    • Change in voting patterns.
    • Over the last couple of years, there is huge vote swings between national and State elections in the same constituencies and separated by only a few months.
    • In other words, federalism is not a mere legal division of power, the democracy and voters too are becoming federal.
    • This embrace of electoral federalism may be one of the most significant achievements of Indian democracy.
    • Hence, parties that lose in national elections can still win State elections and form governments.
    • The State governments are thus filling the opposition deficit at the Centre.
    • This shift of opposition from Delhi to State capitals is likely to become the politics over federalism.

    Conclusion

    • The conflict that CAA triggered might become a template for future contestations over the federal question, while the politics seem to be ripe for the advancement of federalism.

     

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