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  • [pib] Urban Infrastructure Development Fund (UIDF)

    Why in the News?

    The Urban Infrastructure Development Fund (UIDF) has been established to support the development of urban infrastructure in Tier-2 and Tier-3 cities.

    About Urban Infrastructure Development Fund (UIDF):

    Details
    What is it? • Established (budget speech for Financial Year 2023-24) to utilize priority sector lending shortfall for financing urban infrastructure projects.
    • Managed by the National Housing Bank (NHB).
    • Initial Corpus: ₹10,000 crore.
    • Modeled after the Rural Infrastructure Development Fund (RIDF), which supports rural infrastructure projects.
    • Focus on developing Tier-2 and Tier-3 cities in India.

    • Tier-2 Cities: Cities with populations between 50,000 and 1 lakh.
    • Tier-3 Cities: Cities with populations below 50,000.
    Aims and Objectives • Support Urban Infrastructure: Provides funding for essential urban services such as water supply, sanitation, sewerage, and waste management.
    • Sewerage, water supply, sanitation, drains, and solid waste management.
    • Prioritizes projects with significant improvements in urban services.
    • Funds are allocated to Municipal Corporations and Urban Local Bodies (ULBs) for infrastructure development.
    Structural Mandate and Implementation • Coverage: Supports 459 Tier-2 cities and 580 Tier-3 cities in India.
    • Loan Terms: Loans offered at Bank Rate minus 1.5% interest rate.
    • Repayment Terms: Loan repayable in five equal annual instalments over seven years.
    • Moratorium Period: Two years before repayment starts.
    • Quarterly Interest Payments: Regular payments required during the loan period.

     

    PYQ:

    [2017] With reference to ‘National Investment and Infrastructure Fund’, which of the following statements is/are correct?

    1. It is an organ of NITI Aayog.
    2. It has a corpus of Rs 4,00,000 crore at present.

    Select the correct answer using the code given below:

    (a) 1 only
    (b) 2 only
    (c) Both 1 and 2
    (d) Neither 1 nor 2

  • [pib] Salient Features of AMRUT 2.0

    Why in the News?

    The Atal Mission for Rejuvenation and Urban Transformation (AMRUT) 2.0 is a scheme launched on October 1, 2021 continues to make strides towards transforming Indian cities into self-reliant and water-secure urban areas.

    Back2Basics: Atal Mission for Rejuvenation and Urban Transformation (AMRUT)

    • It is a flagship urban development scheme launched in June 2015.
    • The mission is being operated as a Central Sponsored Scheme.
    • Aim: To provide basic urban infrastructure to improve the quality of life in cities and towns.
    • Objectives:  
      • Ensure that every household has access to a tap with an assured water supply and a sewerage connection.
      • Increase the green areas in the cities.
      • Reduce pollution by promoting public transport and constructing facilities for non-motorized transport.
    • Funding: It is divided among States/UTs in an equitable formula in which 50:50 weightage.
    • It covers 500 cities including all cities and towns with a population of over 1 lakh with notified Municipalities.

    About AMRUT 2.0:

    Details • Launched on 1st October 2021 as the continuation of AMRUT 1.0.
    • Aims to enhance urban infrastructure in 500 cities by focusing on water supply, wastewater management, and rejuvenation of water bodies.
    • The mission runs for five years (FY 2021-22 to FY 2025-26).
    Salient Features and Mission • Universal Coverage: Ensures coverage of water supply and sewerage in 500 cities and 4,900 statutory towns.
    • Circular Economy: Focuses on water recycling, reuse of treated sewage, and water conservation.
    • Technology Integration: Adopts global technologies for better water management.
    • Pey Jal Survekshan: Survey to assess water distribution, wastewater reuse, and promote healthy competition among cities.
    Its Implementation and Further Roadmap • Project Approval: 8,998 projects approved with an estimated cost of ₹1,89,458.55 crore.
    • Funds Distribution: Funds released by MoHUA to States/UTs and then to Urban Local Bodies (ULBs).
    • State Water Action Plan (SWAP): States/UTs must complete their SWAP and get approval within two years of the mission’s launch.
    • Future Plans: Focus on sustainable water management and extension of AMRUT 1.0 benefits to more towns.

     

    PYQ:

    [2011] In India, a Metropolitan Planning Committee

    1. is constituted under the provisions of the Constitution of India.

    2. prepares the draft development plans for metropolitan area.

    3. has the sole responsibility for implementing Government sponsored schemes in the metropolitan area.

    Which of the statements given above is/are correct?

    (a) 1 and 2 only

    (b) 2 only

    (c) 1 and 3 only

    (d) 1, 2 and 3

  • The Copyright Act, 1957

    Why in the News?

    The ongoing copyright dispute between actors Dhanush and Nayanthara highlights the complexities of copyright law and its potential misuse in the film industry.

    What is the dispute?

    • The case revolves around South Indian actor Dhanush suing actress Nayanthara for using excerpts from their 2015 film in a biopic without his consent.
    • Nayanthara claims she had sought permission earlier, but Dhanush’s company, which produced the film, did not respond, leading to the lawsuit over copyright infringement.

    About The Copyright Act, 1957:

    Details
    What is it? • Enacted in 1957 to protect creators’ rights over original works.
    • Objective: To encourage creativity while balancing public access.
    • Grants exclusive rights to authors and creators for reproduction, distribution, and public performance of their works.
    • The Act has been amended to address digital content and technological advancements.
    Features and Provisions of the Act • Scope: Covers literary, musical, artistic works, cinematograph films, sound recordings, and more.
    • Duration: Copyright lasts life of author + 60 years for literary, musical, and dramatic works, and 60 years for films/sound recordings.
    • Exclusive Rights: Right to reproduce, distribute, perform, and adapt works.
    • Moral Rights: Includes right to attribution and integrity of the work.
    What does Section 52 say? • Section 52 lists exceptions allowing use of copyrighted works without permission in specific situations.
    • Fair Use: For criticism, review, news reporting, teaching, research, and private use.
    • Includes exceptions for libraries, archives, and government use.
    • Important for education and public access—enables non-commercial use of works.

     

    PYQ:

    [2014] In a globalized world, Intellectual Property Rights assume significance and are a source of litigation. Broadly distinguish between the terms—Copyrights, Patents and Trade Secrets.

    [2017] With reference to the ‘National Intellectual Property Rights Policy’, consider the following statements:

    1. It reiterates India’s commitment to the Doha Development Agenda and the TRIPS Agreement.
    2. Department of Industrial Policy and Promotion is the nodal agency for regulating intellectual property rights in India.

    Which of the above statements is/are correct?

    (a) 1 only
    (b) 2 only
    (c) Both 1 and 2
    (d) Neither 1 nor 2
  • [UPSC Webinar] By Nishith Sir, Faculty, Samachar Manthan | Most Effective Plan for UPSC Current Affairs (2026) | Learn How Rankers Follow Only One Source for CA (Prelims + Mains) | Join on 30th November 2024 at 7:00 PM

    [UPSC Webinar] By Nishith Sir, Faculty, Samachar Manthan | Most Effective Plan for UPSC Current Affairs (2026) | Learn How Rankers Follow Only One Source for CA (Prelims + Mains) | Join on 30th November 2024 at 7:00 PM

    Register Now!

    Register for the session to get complete UPSC Current Affairs preparation plan and strategy

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    UPSC

    Read about Nishith Sir’s UPSC Current Affairs Webinar

    A single source for current affairs should cover both Prelims and Mains while addressing key parts of the static syllabus. Aspirants often struggle with incomplete static portions in areas like Governance and International Relations, yet need to study related current affairs. However, it’s possible to manage both effectively.

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    Rankers over the years have emphasized the importance of single sources for preparing current affairs. That’s the one thing you will hear every ranker say: stick to one source. Current affairs for both Prelims and Mains must be done from one source, which becomes your one stop solution for everything.

    Aspirants appearing for UPSC 2026 should have one framework and one strategy for current affairs in place now, which eventually becomes their one stop solution. Nishith Sir, on November 30th, Saturday, is conducting a free masterclass where he will outline a plan for UPSC 2026 current affairs preparation using a single source recommended by rankers!

    Do join him on 30th November, Saturday, at 7 PM

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    It will be a 45 minute webinar, post which we will open up the floor for all kinds of queries which a beginner must have. No questions are taboo and Nishith Sir is known to be patiently solving all your doubts.

    Join us for a Zoom session on 30th Nov 2024 at 7:00 p.m. This session is a must-attend for you If you are attempting UPSC for the first time or have attempted earlier and now preparing for next year, then it is going to be a valuable session for you too.

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  • [28th November 2024] The Hindu Op-ed: Schooling in India in times of poor air quality

    PYQ Relevance:

    Q) Mumbai, Delhi, and Kolkata are the three Megacities of the country but air pollution is a much more serious problem in Delhi as compared to the other two. Why is this so? (UPSC CSE 2015)

    Mentor’s Comment: UPSC Mains have previously ‘constitutionalization of environmental problems’ (in 2022), and ‘pollution control and management’ (in 2013).

    Delhi’s air quality has reached alarming levels, with PM 2.5 concentrations soaring far above safe limits.  The Supreme Court of India has mandated that schools in Delhi-NCR shift to online classes due to hazardous air quality levels.

    Today’s editorial underscores the urgent need for effective policies to address both air pollution and its impact on education. This content can be used for recommending ‘Sustainable solutions’ while ensuring ‘Quality education’.

    _

    Let’s learn!

    Why in the News?

    The ongoing crisis of severe air pollution is affecting schools in Delhi and the National Capital Region (NCR). Recent developments highlight the challenges faced by students and the educational system amid deteriorating air quality.

    What are the health impacts of poor air quality on students and educators?

    • Respiratory Health Issues: Children exposed to pollutants such as particulate matter (PM), nitrogen dioxide (NO2), and volatile organic compounds (VOCs) can exacerbate asthma symptoms and trigger allergic reactions.
      • Studies show that children exposed to high pollution levels are at a greater risk of developing these conditions than adults.
    • Cognitive Impairment: Research indicates that students in poorly ventilated classrooms perform worse on standardized tests compared to those in environments with better air quality. The cognitive deficits associated with air pollution can hinder problem-solving abilities and overall learning outcomes.
    • Increased Absenteeism: Students suffering from health issues related to air pollution are more likely to miss school, which disrupts their learning process. Increased absenteeism not only affects individual academic progress but can also impact overall classroom dynamics.
    • Psychological Effects: Concerns about health risks associated with poor air quality can lead to heightened stress and anxiety among students and educators. This psychological burden can further detract from the learning environment, making it less engaging and supportive

    How has the Indian education system adapted to ongoing air quality challenges?

    • Shift to Hybrid Learning Models: In response to deteriorating air quality, schools in Delhi and surrounding NCR cities have transitioned to hybrid learning models.
      • This approach combines online and physical classes, allowing students to attend lessons remotely when air quality is deemed hazardous.
    • Implementation Challenges: Despite the shift, schools face significant challenges in implementing hybrid models effectively. For instance, some principals have expressed concerns about the effectiveness of hybrid learning, citing past experiences where it did not meet educational standards. Logistical issues such as access to technology and internet connectivity remain barriers for many students, particularly those from lower socio-economic backgrounds.
    • Government Initiatives and Policies: Initiatives such as the National Clean Air Programme aim to reduce particulate matter levels across major cities, although implementation has been inconsistent.
      • Educational frameworks are being updated to incorporate environmental education more robustly, addressing issues like climate change and pollution as part of the curriculum.
    • Long-term Educational Strategies: The National Curriculum Framework encourages teaching about environmental issues, including pollution and climate change, which can help raise awareness among students about air quality challenges and their implications for health and society. 

    What long-term implications does poor air quality have on cognitive performance?

    • General Impact on Cognitive Function: Research indicates that long-term exposure to air pollutants, particularly fine particulate matter (PM2.5) and nitrogen dioxide (NO2), is associated with a decline in cognitive function.
      • A study involving over 25,000 participants found that higher levels of air pollution correlated with decreased performance in verbal and mathematical tests, particularly as individuals age. 
      • The negative effects were notably pronounced in older men with lower education levels, suggesting that chronic exposure can exacerbate existing vulnerabilities related to cognitive decline
    • Specific Cognitive Domains Affected: Different studies have shown that exposure to PM2.5 can lead to slower response times and lower throughput in cognitive tasks, with effects worsening with increased pollution levels.
      • Semantic fluency tests have demonstrated significant declines in performance linked to air quality, reflecting broader implications for language processing and executive functions.
    • Neurodevelopmental Effects: Research has shown that even “safe” levels of air pollution can alter developmental patterns in young brains, potentially leading to long-term cognitive deficits. This is concerning as it suggests that early exposure may set the stage for lifelong cognitive challenges.
    • Increased Risk of Dementia and Cognitive Impairment: One study reported a hazard ratio indicating a 19% increased risk for mild cognitive impairment (MCI) among those exposed to the highest levels of pollutants compared to those with lower exposure.
      • This suggests that the cumulative effects of poor air quality not only impair immediate cognitive performance but also contribute to serious long-term health issues.

    Way Forward: As India grapples with severe air quality issues, it is crucial for policymakers to ensure that all students have equitable access to education while safeguarding their health. The situation calls for a collaborative approach involving government agencies, educational institutions, and communities to develop sustainable solutions that can withstand future environmental crises.

    https://www.thehindu.com/opinion/lead/schooling-in-india-in-times-of-poor-air-quality/article68918906.ece

  • The right to work deleted

    Why in the News?

    The implementation guidelines for MGNREGA are outlined in Master Circulars issued by the Ministry of Rural Development (MoRD) annually or biennially.

    Mahatma Gandhi NREGA provides a number of legal entitlements to the job seekers through a series of provisions in the Act. While the Act makes provision for at least 100 days work per rural household in a year, it is the strong legal framework of rights and entitlements that come together to make the hundred days of work per year possible.

    • Every household residing in any rural area is entitled to a Job Card which contains the names and photographs of all adult members of the household so that they can demand and receive work.
      • According to the Master Circular for 2021-22, job cards can only be deleted under specific circumstances: 
        • when a household has permanently migrated
        • if the job card is identified as a duplicate,
        • if it was issued using forged documents.
    • According to Chapter 4 (​​Schedule II) of the annual circular, “Every adult member of a registered household whose name appears in the job card shall be entitled to apply for unskilled manual work.
    • The Ministry mandates the provision of an additional 50 days of wage employment (beyond the stipulated 100 days) to every Scheduled Tribe Household in a forest area,  under the FRA Act, 2006.
    • State Governments are mandated to put in place multiple mechanisms by which rural households can submit applications for demand for work at the Gram Panchayat (GP), Block and District levels.

    What were the reasons behind the decision to delete references to the ‘Right to work’ in recent legislation or policy?

    • Administrative Efficiency: Governments may argue that streamlining policies and removing cumbersome regulations can enhance efficiency in employment programs.
    • Aadhaar-Based Payment Systems (ABPS): The push for ABPS has led to increased deletions of job cards, as officials focus on compliance metrics rather than ensuring workers’ rights are upheld.
    • Political and Economic Pressures: There may be external pressures to reduce welfare spending or adjust labour policies in response to economic conditions, leading to a perception that the ‘right to work’ is less critical.

    What does the term ‘right to work’ entail, and why is it significant in the context of labor laws?

    • The ‘right to work’ is a fundamental principle in labour laws that guarantees individuals the opportunity to engage in employment and earn a livelihood.
    • In the context of the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA), specifically provides rural households with a legal entitlement to at least 100 days of wage employment per year.
    • This right is significant because it aims to alleviate poverty, promote social justice, and ensure economic security for rural populations. The act also mandates due process in the deletion of workers from job cards, emphasising the importance of transparency and accountability in employment practices.

    How might the deletion of the ‘right to work’ impact workers, unions, and the broader labour market?

    • Workers’ Rights: It undermines the legal protections afforded to workers, making it easier for authorities to arbitrarily delete job cards without proper verification or due process.
    • Unions and Collective Bargaining: Unions may find it challenging to advocate for workers’ rights when legal entitlements are diminished, weakening their bargaining power.
    • Labour Market Dynamics: A reduction in guaranteed employment can lead to increased unemployment and underemployment, exacerbating poverty and economic inequality among rural populations.

    Way forward: 

    • Strengthen Oversight and Accountability: Implement independent audits, regular reviews, and grievance redress mechanisms to ensure adherence to due process in job card deletions, with active involvement of Gram Sabhas and worker representatives.
    • Enhance Worker Protections: Reinforce legal safeguards for the ‘right to work’ by improving transparency in employment programs, ensuring compliance with MGNREGA mandates, and addressing systemic issues like ABPS-linked exclusions through inclusive digital solutions.

    Mains PYQ:

    Q An essential condition to eradicate poverty is to liberate the poor from the process of deprivation.” Substantiate this statement with suitable examples. (UPSC IAS/2016)

  • Trump to impose ‘additional’ tariff on China

    Why in the News?

    President-elect Donald Trump announced his intention to impose tariffs on the United States’ three largest trading partners—Canada, Mexico, and China—once he assumes office.

    What specific tariffs is Trump proposing on imports from China, Canada, and Mexico?

    • 25% Tariff on Imports: President-elect Donald Trump announced plans to impose a 25% tariff on imported goods from the United States’ three largest trading partners: Canada, Mexico, and China.
    • Additional 10% Tariff on China: He also proposed an additional 10% tariff specifically targeting imports from China, citing the country’s failure to address the flow of fentanyl into the United States.

    What are the underlying reasons for these tariff increases?

    • Trade Imbalance: The tariffs aim to address perceived trade imbalances and protect American manufacturing jobs.
    • Fentanyl Crisis: The additional tariff on China is a direct response to the ongoing opioid crisis in the U.S., particularly related to fentanyl trafficking. Trump emphasized China’s lack of action in curbing the drug’s flow into the U.S. as a justification for the tariffs.
    • Political Strategy: The tariffs may also serve as a political manoeuvre to reinforce Trump’s stance on trade issues and drug-related policies as he prepares to take office.

    What potential economic impacts could arise in the Asian region (esp India) from these tariffs?

    • Increased Costs for Importers: Indian companies that rely on imports from these countries may face higher costs due to increased tariffs, potentially leading to higher prices for consumers.
    • Supply Chain Disruptions: The tariffs could disrupt existing supply chains, particularly in industries that rely on components from Canada, Mexico, and China, affecting production schedules and costs.
    • Investment Shifts: Businesses might reconsider their investment strategies in light of new tariffs, potentially leading to a shift in manufacturing bases or sourcing strategies away from affected countries.
    • Opportunities for Indian Manufacturers: Conversely, Indian manufacturers might find opportunities to fill gaps left by increased tariffs on imports, potentially boosting local production and employment.

    Way forward: 

    • Strengthen Trade and Strategic Engagement with the U.S.: India should proactively address trade imbalances by diversifying imports from the U.S., aligning with American regulatory standards, and offering enhanced market access in key sectors like technology and defence.
    • Position as a Reliable Alternative to China: Leverage initiatives like Make in India to attract U.S. investments, promote joint ventures, and emphasize India’s strategic importance as a trusted partner in global supply chains.

    Mains PYQ:

    Q What are the key areas of reform if the WTO has to survive in the present context of ‘Trade War’, especially keeping in mind the interest of India? (UPSC IAS/2018)

  • How ‘socialist’ and ‘secular’ were inserted in the Preamble, why SC ruled they will stay?

    Why in the News?

    Nearly 75 years after the adoption of the Constitution of India, the Supreme Court reaffirmed (on 25th Nov’ 24) the inclusion of the terms ‘socialist’ and ‘secular’ in the Preamble of the Constitution.

    What historical context led to the insertion of the terms ‘socialist’ and ‘secular’ in the Preamble?

    • The Objectives Resolution, introduced by Jawaharlal Nehru in 1946, laid foundational principles for the Constitution, emphasizing independence, equality, and minority rights, which set the stage for later amendments.
    • Initial discussions around socialism and secularism occurred during the drafting of the Constitution, with early proposals to include these concepts being rejected. The debates highlighted differing views on the role of socialism and secularism in India’s governance.
    • The terms ‘socialist’ and ‘secular’ were inserted into the Preamble during the Emergency (1975-1977) under the 42nd Amendment, a time characterized by significant political unrest and government overreach.

    What was the SC’s reasoning for upholding these terms in the Preamble?

    • Evolution of Meaning: The Supreme Court noted in 1973 () that the meanings of ‘socialism’ and ‘secularism’ have evolved over time within the Indian context.
      • The court recognized that these terms now reflect principles of economic justice and religious neutrality rather than strict ideological definitions.
    • Interpretation of Secularism: The court emphasized that India’s interpretation of secularism is unique, where the state neither endorses nor discriminates against any religion. This interpretation aligns with the Preamble’s ideals of fraternity and equality.
    • Socialism as Economic Justice: The court defined socialism as ensuring economic and social justice, asserting that it does not impede private enterprise but rather supports state intervention to uplift marginalized communities.

    How do ‘socialist’ and ‘secular’ reflect India’s Constitutional values and principles?

    • Commitment to Justice: The inclusion of ‘socialist’ reflects a commitment to social and economic justice, aiming to reduce inequalities in society.
    • Religious Neutrality: By incorporating ‘secular’, the Constitution underscores India’s commitment to religious pluralism and the protection of individual rights regardless of faith.
    • Basic Structure Doctrine: The Supreme Court’s decision reinforces the idea that these terms are integral to the basic structure of the Constitution, which cannot be altered or removed without undermining India’s democratic framework.

    What are the steps taken by the Government to implement the Socialist and Secular principles of the Preamble?

    • Promoting Social Justice (Socialist): Welfare schemes like MNREGA, Ayushman Bharat, and PDS reduce poverty and ensure equitable access, while progressive taxation and affirmative action address economic disparities.
    • Ensuring Religious Neutrality (Secular): Laws protecting religious freedom, minority rights (Articles 25–30), and institutions like the National Commission for Minorities promote interfaith harmony and safeguard pluralism.
    • Strengthening Democracy and Equality: Free and fair elections by the Election Commission and rights-based laws like the RTE Act and the SC/ST (Prevention of Atrocities) Act ensure equality, fraternity, and justice for all.

    Way forward: 

    • Strengthening Constitutional Values: Enhance awareness of constitutional principles through education and public campaigns, ensuring adherence to secularism, socialism, and democratic ideals in policymaking.
    • Inclusive Governance: Implement targeted programs to address socio-economic inequalities, promote interfaith dialogue, and uphold democratic rights, fostering harmony and justice in a diverse society.

    Mains PYQ:

    Q Discuss each adjective attached to the word ‘Republic’ in the preamble. Are they defendable in the present circumstances stances?. (UPSC IAS/2016)

  • What is the UNSC Resolution 1701?

    Why in the News?

    Israel and Lebanon agreed to a ceasefire after 13 months of rising conflict, though it is linked to the UN Resolution 1701, which has not been fully implemented.

    About UNSC Resolution 1701:

    Details
    What is it?
    • Passed on August 11, 2006, following the 34-day war between Israel and Hezbollah.
    • Aimed to end hostilities, ensure the security of Israel and Lebanon, and establish long-term peace along the Israel-Lebanon border.
    • Also designed to prevent Hezbollah from using southern Lebanon as a base for military operations against Israel.
    Key Provisions and Objectives
    • Cessation of Hostilities: Aimed at halting the conflict between Hezbollah and Israel.
    • Disarmament of Armed Groups: Called for the disarmament of Hezbollah and all other armed groups in Lebanon, leaving only the Lebanese state with weapons authority.
    • Israeli Withdrawal: Mandated Israel’s full withdrawal from southern Lebanon, which had been occupied since the 1982 Lebanon War.
    • Lebanese Forces Deployment: Directed the Lebanese government to deploy its army in southern Lebanon to ensure peace and prevent Hezbollah’s rearmament.
    • UNIFIL Deployment: Increased deployment of the United Nations Interim Force in Lebanon (UNIFIL) to monitor the border and ensure compliance.
    • Arms Embargo: Imposed restrictions to prevent the transfer of weapons to Hezbollah.
    • Implementation of Taif Accords (1989): The resolution emphasizes the full implementation of this accord, which is critical for the disarmament of non-state actors in Lebanon and the consolidation of Lebanese state authority across the country.
    Implementation and Violations
    • Partial Implementation: While Israel withdrew from southern Lebanon, Hezbollah retained its weapons and continued its terror operations.
    • Lebanese Army Deployment: The Lebanese army was deployed in southern Lebanon but struggled to assert full control, as Hezbollah’s influence remained strong in the region.
    • UNIFIL’s Role: UNIFIL, while active, faced challenges in fully enforcing the provisions of the resolution due to Hezbollah’s continued presence and the complexities of local politics.
    • Violations: Despite the resolution’s provisions, violations have included Hezbollah’s stockpiling of weapons and cross-border skirmishes, as well as the failure to fully disarm all armed groups, undermining the resolution’s goals.
    • Taif Accords Violation: This has hindered the establishment of complete state sovereignty in Lebanon.

     

    PYQ:

    [2018] “India’s relations with Israel have, of late, acquired a depth and diversity, which cannot be rolled back.” Discuss.

  • [pib] India Post Payments Bank (IPPB)

    Why in the News?

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

    About India Post Payments Bank (IPPB):

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

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

     

    Back2Basics: Payments Bank

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

     

    PYQ:

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

    (a) Indian banks’ Association

    (b) National Securities Depository Limited

    (c) National Payments Corporation of India

    (d) Reserve Bank of India

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