💥UPSC 2026, 2027, 2028 UAP Mentorship (March Batch) + Access XFactor Notes & Microthemes PDF

Search results for: “”

  • The challenges in being a chip hub

    Context

    India is aiming to manufacture silicon semiconductor chips.

    Efforts to set up chip fabrication plant

    • India has intensified efforts to set up a semiconductor fabrication plant with the help of Taiwan, the market leader.
    • For this the government is investing over $7.5 billion.
    • The Tata Group is in talks with three States — Tamil Nadu, Telangana and Karnataka — to invest over $300 million to set up a semiconductor manufacturing facility.
    • In 2014, NASSCOM wanted to promote a National Technology Corridor along coastal A.P. stretching through the Visakhapatnam, Rajahmundry and Vijayawada region.
    • Given the abundance of water, sand (raw material for making silicon ingots), road, rail, ports and airport connectivity, the industry body wanted to push and promote the design and manufacturing of electronic chips.

    Challenges

    • IP and design: While welcoming such moves by the government and technology experts, local players in the segment say that chip making itself will not be enough.
    • Other aspects such as designing and Intellectual Property are required to make a mark.
    • Designing is what brings value to the chips.
    • If the Intellectual Property lies with the foreign entity, we end up manufacturing the basic material which does not serve the purpose.
    • Need to promote SoCs: Rather, we need an ecosystem to promote SoCs (System on a Chip) which makes more sense.”
    • There are several firms in India which are now making SoCs, which is a good sign.
    • Connect related industries: The bigger challenge and immediate need for the Indian government is to connect related industries in India to create the ecosystem, industry players say.

    Consider the question “What are the challenges India may face as it aims to manufacture silicon semiconductor chips?”

    Conclusion

    The initiative is an uphill task as many factors need to come together for India to make a mark in the niche chip making and designing industry. Also, upcoming firms should be able to sustain themselves in the market when subsidies from the government are withdrawn.

    UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)

  • 14th December 2021| Daily Answer Writing Enhancement(AWE)

    Topics for Today’s questions:

    GS-1    Modern Indian history from about the middle of the eighteenth century until the present- significant events, personalities, issues

    GS-2    Executive and Judiciary

    GS-3   Indian Economy, Applications of Science and Technology in everyday life

    GS-4   Attitude: content, structure, function; its influence
    and relation with thought and behaviour; moral and political attitudes; social influence and persuasion.

    Questions:

    Question 1)

     

    Q.1 Explain how the nature of Indian economy was shaped by colonial interests of the British.(10 Marks)

     

    Question 2)

    Q.2 As the judiciary is one of the pillars of democracy, and the Constitution entrusts judges with the task of protecting the constitutional rights of the people, the consumer of justice has every right, and would be fully justified in critically examining, and commenting upon each and every word of the judges spoken or written, howsoever unpalatable it may be. Comment. (10 Marks)

    Question 3)

    Q.3 The bill for the regulation of cryptocurrencies must meet many important objectives. The universe of cryptocurrency overlaps with many domains. In light of this, examine the impact cryptocurrencies will have on various domains and suggest the way forward. (10 Marks)

    Question 4)  

    Q.4 “Persuasion makes society work smoothly while physical coercion grinds it to a halt”. Giving examples, compare the effectiveness of persuasion as an influence tactic vis-a-vis coercion in bringing change in society. In what ways pers uasion can be used by civil servants to remove social evils existing in society? (10 Marks)

     

    HOW TO ATTEMPT ANSWERS IN DAILY ANSWER WRITING ENHANCEMENT(AWE)?

    1. Daily 4 questions from General studies 1, 2, 3, and 4 will be provided to you.

    2. A Mentor’s Comment will be available for all answers. This can be used as a guidance tool but we encourage you to write original answers.

    3. You can write your answer on an A4 sheet and scan/click pictures of the same.

    4.  Upload the scanned answer in the comment section of the same question.

    5. Along with the scanned answer, please share your Razor payment ID, so that paid members are given priority.

    6. If you upload the answer on the same day like the answer of 11th  October is uploaded on 11th October then your answer will be checked within 72 hours. Also, reviews will be in the order of submission- First come first serve basis

    7. If you are writing answers late, for example, 11th October is uploaded on 13th October, then these answers will be evaluated as per the mentor’s schedule.

    8. We encourage you to write answers on the same day. However, if you are uploading an answer late then tag the mentor like @Staff so that the mentor is notified about your answer.

    *In case your answer is not reviewed, reply to your answer saying *NOT CHECKED*. 

    For the philosophy of AWE and payment: 

  • Q.4 “Persuasion makes society work smoothly while physical coercion grinds it to a halt”. Giving examples, compare the effectiveness of persuasion as an influence tactic vis-a-vis coercion in bringing change in society. In what ways pers uasion can be used by civil servants to remove social evils existing in society? (10 Marks)

    Mentor’s Comments-

    • In brief define persuasion and coercion.
    • Citing examples examine the conditions under which persuasion proves to be better tactic vs coercion.
    • Thirdly, suggest some ways/measures through which civil servants can use persuasion to remove certain social evils.

     

  • Q.3 The bill for the regulation of cryptocurrencies must meet many important objectives. The universe of cryptocurrency overlaps with many domains. In light of this, examine the impact cryptocurrencies will have on various domains and suggest the way forward. (10 Marks)

    Mentor’s comment-
    • https://indianexpress.com/article/opinion/columns/why-crypto-currency-legislations-needs-consideration-7669471/
    • In the intro, mention the introduction of the bill for the regulation of cryptocurrencies.
    • In the body, mention various levels which will be impacted by cryptos such as sovereignty, interactions with financial markets, value cryptocurrencies will bring to the entire economy. In the suggestions mention addressing issues such as challenges to sovereignty, and disruption in financial markets.
    • Conclude by mentioning the need to meet the objectives at various levels in the bill.
  • Q.2 As the judiciary is one of the pillars of democracy, and the Constitution entrusts judges with the task of protecting the constitutional rights of the people, the consumer of justice has every right, and would be fully justified in critically examining, and commenting upon each and every word of the judges spoken or written, howsoever unpalatable it may be. Comment. (10 Marks)

    Mentor’s comment-
    • https://indianexpress.com/article/opinion/columns/judges-cannot-be-shielded-from-citizens-questions-7669480/
    • In the intro, mention the comment by the CJI about the attack on judges.
    • In the body, mention the role of the judiciary in the protection of citizens’ rights and issues it is currently facing such as perception created due to pendency of important cases, working of collegium system and concerns raised over its functioning and citizens right to question and critically examine the functioning of the judiciary without personally attacking the judges.
    • Conclude by mentioning for the judiciary to address the issues it faces while being receptive to the public scrutiny..
  • Q.1 Explain how the nature of Indian economy was shaped by colonial interests of the British.(10 Marks)

    Mentor’s Comments-

    • Briefly, write about the colonial interest of the British rule in India.
    • Provide arguments to highlight the way the interest of the British shaped the nature of Indian economy.
    • Conclude the answer by mentioning the impact of economic policies on Indian national movement.
  • India stands committed to UNCLOS

    India remains committed to promoting a free, open and rules-based order rooted in international law and undaunted by coercion, the Centre informed Parliament while reiterating support for the United Nations Convention on the Law of the Sea (UNCLOS).

    Background of UNCLOS

    • UNCLOS replaces the older ‘freedom of the seas’ concept, dating from the 17th century.
    • According to this concept, national rights were limited to a specified belt of water extending from a nation’s coastlines, usually 3 nautical miles (5.6 km; 3.5 mi).
    • This was considered according to the ‘cannon shot’ rule developed by the Dutch rulers.

    About UNCLOS

    • UNCLOS is sometimes referred to as the Law of the Sea Convention or the Law of the Sea treaty.
    • It came into operation and became effective from 16th November 1982.
    • It defines the rights and responsibilities of nations with respect to their use of the world’s oceans, establishing guidelines for businesses, the environment, and the management of marine natural resources.
    • It has created three new institutions on the international scene :
    1. International Tribunal for the Law of the Sea,
    2. International Seabed Authority
    3. Commission on the Limits of the Continental Shelf

    Note: UNCLOS does not deal with matters of territorial disputes or to resolve issues of sovereignty, as that field is governed by rules of customary international law on the acquisition and loss of territory.

    Major conventions:

    There had been three major conferences of UNCLOS:

    1. UNCLOS I: It resulted in the successful implementation of various conventions regarding Territorial Sea and Contiguous Zones, Continental Shelf, High Seas, Fishing Rights.
    2. UNCLOS II: No agreement was reached over breadth of territorial waters.
    3. UNCLOS III: It introduced a number of provisions. The most significant issues covered were setting limits, navigation, archipelagic status and transit regimes, exclusive economic zones (EEZs), continental shelf jurisdiction, deep seabed mining, the exploitation regime, protection of the marine environment, scientific research, and settlement of disputes.

    The convention set the limit of various areas, measured from a carefully defined baseline.

    These terminologies are as follows:

    (1) Baseline

    • The convention set the limit of various areas, measured from a carefully defined baseline.
    • Normally, a sea baseline follows the low-water line, but when the coastline is deeply indented, has fringing islands or is highly unstable, straight baselines may be used.

    (2) Internal waters

    • It covers all water and waterways on the landward side of the baseline.
    • The coastal state is free to set laws, regulate use, and use any resource. Foreign vessels have no right of passage within internal waters.
    • A vessel in the high seas assumes jurisdiction under the internal laws of its flag State.

    (3) Territorial waters

    • Out to 12 nautical miles (22 km, 14 miles) from the baseline, the coastal state is free to set laws, regulate use, and use any resource.
    • Vessels were given the Right of Innocent Passage through any territorial waters.
    • “Innocent passage” is defined by the convention as passing through waters in an expeditious and continuous manner, which is not “prejudicial to the peace, good order or the security” of the coastal state.
    • Fishing, polluting, weapons practice, and spying are not “innocent”, and submarines and other underwater vehicles are required to navigate on the surface and to show their flag.
    • Nations can also temporarily suspend innocent passage in specific areas of their territorial seas, if doing so is essential for the protection of their security.

    (4) Archipelagic waters

    • The convention set the definition of “Archipelagic States”, which also defines how the state can draw its territorial borders.
    • All waters inside this baseline are designated “Archipelagic Waters”.
    • The state has sovereignty over these waters mostly to the extent it has over internal waters, but subject to existing rights including traditional fishing rights of immediately adjacent states.
    • Foreign vessels have right of innocent passage through archipelagic waters, but archipelagic states may limit innocent passage to designated sea lanes.

    (5) Contiguous zone

    • Beyond the 12-nautical-mile (22 km) limit, there is a further 12 nautical miles (22 km) from the territorial sea baseline limit, the contiguous zone.
    • Here a state can continue to enforce laws in four specific areas (customs, taxation, immigration, and pollution) if the infringement started or is about to occur within the state’s territory or territorial waters.
    • This makes the contiguous zone a hot pursuit area.

    (6) Exclusive economic zones (EEZs)

    • These extend 200 nm from the baseline.
    • Within this area, the coastal nation has sole exploitation rights over all natural resources.
    • In casual use, the term may include the territorial sea and even the continental shelf.

    (7) Continental shelf

    • The continental shelf is defined as the natural prolongation of the land territory to the continental margin’s outer edge, or 200 nautical miles (370 km) from the coastal state’s baseline, whichever is greater.

    India and UNCLOS

    • As a State party to the UNCLOS, India promoted utmost respect for the UNCLOS, which established the international legal order of the seas and oceans.
    • India also supported freedom of navigation and overflight, and unimpeded commerce based on the principles of international law, reflected notably in the UNCLOS 1982.
    • India is committed to safeguarding maritime interests and strengthening security in the Indian Ocean Region (IOR) to ensure a favorable and positive maritime environment.

     

    UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)

  • What is Q-Commerce Model?

    Online grocer Grofers has rebranded itself “Blinkit”, in line with its new focus on “quick commerce”, which essentially involves delivering customer orders much faster than it does currently.

    Q-Commerce Model

    • Q-commerce (‘quick commerce’) – sometimes used interchangeably with ‘on-demand delivery’ and ‘e-grocery’ – is e-commerce in a new, faster form.
    • It combines the merits of traditional e-commerce with innovations in last-mile delivery.
    • The premise is largely the same, with speed of delivery being the main differentiator. Delivery is not in days but minutes – 30 or less, to be competitive.
    • This has in turn expanded the breadth of what individuals can order, with perishable goods – like groceries – being a large niche q-commerce companies speak to.
    • It tends to focus on the micro – smaller quantities of fewer goods.

    Features of this model

    • Countering pandemic: The supply chain disruptions triggered by the Covid-19 pandemic led to the emergence of a new sub-vertical in the online grocery segment.
    • Quickest delivery: It is the unique selling proposition (USP) of which was the promise of delivery within 10-30 minutes of ordering.
    • Micro-warehousing : The focus of most of these ventures is on setting up micro-warehouses located closer to the point of delivery, and of restricting stocks of high-demand items.

    Back2Basics:  Marketplace and Inventory-Based Model

    (1) Marketplace Model

    • It provides an IT platform by an e-commerce entity on a digital & electronic network to act as a facilitator between the buyer and seller. Ex. India Mart, Amazon, Flipkart.
    • The e-commerce firm does not directly or indirectly influence the sale price of goods or services and is required to offer a level playing field to all vendors.

    (2) Inventory-Based Model

    • Inventory based model of e-commerce means an e-commerce activity where the inventory of goods and services is owned by an e-commerce entity and is sold to the consumers directly.
    • Ex. Alibaba

     

    UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)

  • Co-Lending Model for Banks-NBFCs

    A November 2020 decision by the RBI to permit banks to “co-lend with all registered NBFCs based on a prior agreement” has led to unusual tie-ups between the banks and companies.

     The ‘Co-Lending Model’

    • In September 2018, the RBI had announced “co-origination of loans” by banks and Non-Banking Financial Companies (NBFCs) for lending to the priority sector.
    • The arrangement entailed joint contribution of credit at the facility level by both the lenders as also sharing of risks and rewards.
    • Subsequently, based on feedback from stakeholders, the RBI allowed the lenders greater operational flexibility, while requiring them to conform to regulatory guidelines.
    • The primary focus of the revised scheme, rechristened as ‘Co-Lending Model’ (CLM), was to “improve the flow of credit to the unserved and underserved sector of the economy.

    Repercussions of Co-Lending

    (1) Bank-NBFC tie-ups at indiscriminate scale

    • Several banks have entered into co-lending ‘master agreements’ with NBFCs, and more are in the pipeline.
    • SBI, the country’s largest lender, signed a deal with Adani Capital, a small NBFC of a big corporate house, for co-lending to farmers to help them buy tractors and farm implements.

    (2) Greater risk in co-lending

    • NBFCs are required to retain at least a 20 per cent share of individual loans on their books.
    • This means 80 per cent of the risk will be with the banks — who will take the big hit in case of a default.

    (3) Corporates in banking

    • While the RBI hasn’t officially allowed the entry of big corporate houses into the banking space, NBFCs — mostly floated by corporate houses — were already accepting public deposits.
    • They now have more opportunities on the lending side through direct co-lending arrangements.

    Back2Basics: Non-Banking Financial Company (NBFC)

    • An NBFC is a company incorporated under the Companies Act 2013 or 1956.
    • According to section 45-I (c) of the RBI Act, a Non–Banking Company carrying on the business of a financial institution will be an NBFC.
    • It further states that the NBFC must be engaged in the business of Loans and Advances, Acquisition of stocks, equities, debt etc issued by the government or any local authority or other marketable securities.

    NBFC business:

    The NBFC business does not include business whose principal business is the following:

    1. Agricultural Activity
    2. Industrial Activity
    3. Purchase or sale of any goods excluding securities
    4. Sale/purchase/construction of any immovable property – Providing of any services

    Difference between Banks and NBFCs:

    • NBFCs lend and make investments and hence their activities are akin to that of banks; however there are a few differences as given below:
    1. NBFC cannot accept demand deposits;
    2. NBFCs do not form part of the payment and settlement system and cannot issue cheques drawn on itself;
    3. Deposit insurance facility of Deposit Insurance and Credit Guarantee Corporation is not available to depositors of NBFCs, unlike in the case of banks.

     

    UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)

  • [pib] Lokpal-Online: Platform for management of complaints

    The (first) Chairperson, Lokpal of India, Justice Pinaki Chandra Ghose has inaugurated’ a digital Platform for Management of Complaints called ‘Lokpal-Online’.

    Lokpal-Online

    • Lokpal-Online is an end-to-end digital solution for the management of complaints against public servants filed under the Lokpal and Lokayuktas Act, 2013.
    • It is a web-based facility, which will quicken the disposal of complaints in an accountable, transparent and efficient manner with benefits to all stakeholders.
    • It facilitates handling of complaints during the complete lifecycle of the Complaint, right from its filing to the final disposal.
    • It aims to bring more transparency and efficiency to the complaint handling mechanism.

    Notable features of Online-Lokpal

    • Convenience to complainants for filing complaints online from anywhere anytime
    • Information to the complainant about action on the complaint at every stage through e-mails and SMS
    • Facility to the complainant to ascertain the status of complaint at anytime
    • Identity of the complaint is kept confidential
    • The CVC, CBI and other inquiry agencies can upload their reports directly on the ‘Lokpal-Online’ platform.
    • Reminders to inquiry agencies through e-mails and SMS
    • Generation of analytical reports as per requirement

    Back2Basics: Lokpal

    • The Lokpal, the apex body to inquire and investigate graft complaints against public functionaries, came into being with the appointment of its chairperson and members in March 2019.
    • In March 2019, former SC judge Justice Pinaki Chandra Ghose was selected as the first head of the Lokpal.

    Lokpal and Lokayuktas Act, 2013

    • The Lokpal Act 2013 is anti-corruption legislation that seeks to provide for the establishment of the institution of Lokpal.
    • It seeks to inquire into allegations of corruption against certain important public functionaries including the PM, cabinet ministers, MPs, Group A officials of the Central Government, etc.
    • The Bill was introduced in the parliament following massive public protests led by anti-corruption crusader Anna Hazare and his associates.
    • The Bill is one of the most widely discussed and debated Bills in India in recent times.

    Its history

    • The term Lokpal was coined in 1963 by Laxmi Mall Singhvi, a member of parliament during a parliamentary debate about grievance mechanisms.
    • The Administrative Reforms Commission (ARC) headed by Morarji Desai submitted an interim report on “Problems of Redressal of Citizen’s Grievances” in 1966.
    • In this report, ARC recommended the creation of two special authorities designated as ‘Lokpal’ and ‘Lokayukta’ for a redress of citizens’ grievances.
    • Maharashtra was the first state to introduce Lokayukta through The Maharashtra Lokayukta and Upa-Lokayuktas Act in 1971.

     

    UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)

  • UPSC ALERT|| Just 6 Months Left for UPSC 2022 Prelims!!|| Preparing with a Serious Time Crunch? || Register for Samanvaya Free 1-on-1 Counselling Now

    UPSC ALERT|| Just 6 Months Left for UPSC 2022 Prelims!!|| Preparing with a Serious Time Crunch? || Register for Samanvaya Free 1-on-1 Counselling Now

    They say, when the going gets tough, the tough gets going. For UPSC aspirants, there is a small tweak. When your preparation gets tough we’ll be there for you.

    How Successful has Civilsdaily been in Mentoring Aspirants?

    In UPSC 2020, Civilsdaily helped 80+ students secure ranks in their exams. In the top 100, every 3rd ranker was a Civilsdaily student. To know how all of them cleared the exam with our mentorship, visit the Unherd Podcast.

    Now that results are announced for UPSC 2021 Prelims, out of 15 out of 25 students of Santhosh Gupta sir have been recommended to Mains. One such student, Rahul expresses his gratitude and extends his appreciation —

    Most of our Mentors like Sudhanshu sir, Sajal sir, Santhosh sir, Pravin sir, Parth Verma sir and Sukanya Ma’am were UPSC aspirants themselves and have attended UPSC Mains more than five times and UPSC Interview more than twice. Hence their mentorship is always a blend of the best test series, comprehensive notes and current affairs knowledge.

    All of them dedicate their time weekly to give 1-on-1 mentorship to every student where they discuss last week’s performance and next week’s approach.

    Remember there is always light at the end of the tunnel and if you want to get out of the tunnel you have to follow the direction of the light! Our mentors’ give you direction which is divided into daily modules. All you have to do is study and complete them on time.

    See the source image

    As every year passes by, we don’t get confident by the previous years’ performance and become laidback. Instead, we become more hungry to convert all our students into toppers.

    How are Current Civilsdaily Students Gearing up for UPSC-CSE 2022?

    Initially, our Civilsdaily student Smriti wasn’t confident about Prelims when she began her preparation. Though she had joined Civilsdaily in 2020, she started studying for UPSC-CSE back in 2019. At that time, Smriti had enrolled in multiple institutes. Though, most of these institutes had promised a personal mentor, she was unable to get in touch with them on a daily basis. Also those mentors never scheduled test-series on a weekly basis. Hence, despite preparing for a year, Smriti had scored only 35 marks out of 200 in her first test series by Civilsdaily.

    She then started writing 20-25 test series over the course of UAP 2021 and in her last test, her scores have drastically improved. She now scores in the range of 130-135 marks in prelims’ and 110+ in mains’ papers.

    In Smriti’s own words she describes her Samanvaya Mentorship Experience to be —

    Our parents provide us financial and emotional support, friends provide us moral support and the right mentor gives you logistic and logical support for UPSC. There are days when I felt I won’t be able to compete against lakhs of aspirants. That’s when my mentor, Ravi sir reminded me of my improvement and encouraged me that I can crack it with the same consistency. We need someone, who tells us we are performing well especially when we cannot see that ourselves. The mentorship at Civilsdaily helped me become mentally stronger as a person. In other institutes, mentors are allotted only for doubt resolution. But at Civilsdaily, I am getting end-to-end support, be it value added notes, classes, test series and detailed evaluation.

    Why Do You Require Mentorship?

    Preparing for the UPSC exam is a race against time. You have to complete an answer within 8 minutes, complete Prelims mock test within 2 hours and most importantly complete the syllabus in a span of 8 months. The syllabus is so vast that most students feel overwhelmed within just a few weeks of starting their preparation. 

    We confirmed this last month, in our Samanvaya Mentorship program by counselling over 3500 students. The 2 biggest problems students said they face while preparing for this exam are:

    1. Syllabus Management
    2. Time Management

     As an aspirant, you can either spend a lot of time and effort trying to figure out how to cope with your syllabus and manage time or you can simply speak with our mentors and get the right study plan and timetable custom-made for you!

    Every aspirant needs a different strategy than the other. One might be struggling in prelims, other in mains. One might find history a piece of cake and geography a tough nut to crack and for the other it will be vice-versa. For an aspirant preparing full-time, they might get demotivated on a regular basis as they have no Plan B to fall back on. A working professional might be too exhausted to study by the end of the day. There is no one-size fits all solution.

    That’s why you need to register for Samanvaya free 1-on-1 counselling session to understand what study plan and study materials work best for you! Samanvaya 1-on-1 Free mentorship will help you stick to one approach of studying rather than switching plans through trial and error.

    Still you want a general idea how to manage time and your syllabus? Here’s what you can do!

    1. Syllabus Management—
      • Go through the entire syllabus thoroughly.
      • Mark the topics you feel comfortable with and those you aren’t familiar with.
      • Break down the syllabus into small parts and prioritize them in order.
      • Gather the relevant study material for the syllabus and start studying them in order.
      • Figure out where you need guidance – Is it with the subject matter? Do you need help with organizing your syllabus? Or you just aren’t sure how to begin?
    2. . Time Management—
      • Prioritize your study material
      • Complete the easier topics first.
      • Allocate at least one hour to answer-writing
      • Allocate at least one hour to MCQ practice
      • Make notes on Current Affairs while reading the newspaper
      • Allocate at least 2 hours for your optional.

    A Popular Time Management Technique—

    The Pomodoro Technique is followed by toppers like Srusti Jayant Deshmukh (UPSC 2019 AIR 5), Manoj Madhav S (UPSC 2019 AIR 105) and Namita Sharma (UPSC 2018, AIR 108)

    Developed by consultant Francesco Cirillo, the Pomodoro Technique is a time management tool that breaks work into 25-minute sessions to help you stay focused and get more done.

    Step
    1
    Choose a task
    Step
    2
    Set a timer for 25 minutes
    Step 3Work on the task until the timer goes off
    Step 4Once the timer goes off. Check off the item on a piece of paper
    Step
    5
    Take a short break
    Step
    6
    Every four Pomodoros, take a longer break

    How is Samanvaya 1-on-1 Guidance Program Structured?

    Our guidance program is designed as solutions to your challenges. We speak with students personally and understand their concerns on a one-on-one basis. Our mentors spend time understanding the individual requirements of our students and teach students how to break down the syllabus and create a plan they can stick to. Our mentors don’t advise you with run of the mill stories, they help in scripting your story!

    We will discuss the important ways in which you can crack this exam through the following methods:

    Personalized study plan – Make a list of the tasks that you need to accomplish that day, and note in upcoming meetings or deadlines as you become aware of them. As you complete your list, make sure to tick off the tasks you have completed.

    3. Tracking your progress – The key to time management success is to know your deadlines and set reminders. We suggest setting a reminder 15 minutes before a meeting or event so you can prepare and gather your things.

    4. Investing in topics with good ROI – First and foremost, turn off your email notification. Set 30-minute blocks to check your email every couple hours instead of checking it every 15 minutes. Make sure you minimize non-work distractions such as your cell phone, social media, or your favorite online store.

    5. Focusing on smart study – On your daily list of things to do, pen in how much time you think each task will take you. If you don’t finish, stop when the time you allotted ends, and come back to it later. Sometimes moving on to different responsibilities and then coming back gives your mind a fresh start and a new perspective.

    So, get all your UPSC demands addressed by a seasoned mentor, get one point source study materials, have regular engagement via calls and WhatsApp, adapt to course-correction strategies and follow a syllabus completion-cum-revision plan every month.

  • How to Narrow the Revision Gap in Mid of UPSC-CSE Syllabus Completion?|| Free Open to All Q&A Webinar by IAS Officer Harvinder Singh|| Learn about the Standard, Normal and Frequent Revision Techniques|| Limited Slots, Register Now

    How to Narrow the Revision Gap in Mid of UPSC-CSE Syllabus Completion?|| Free Open to All Q&A Webinar by IAS Officer Harvinder Singh|| Learn about the Standard, Normal and Frequent Revision Techniques|| Limited Slots, Register Now

    When I decided to prepare for UPSC-CSE, I knew I was not in a position to quit my private job. The work load was high at my present company, I was left with doubt if I could clear UPSC-CSE or not. That’s when I decided I needed a highly experienced personal mentor who will not only provide me study materials or evaluate test-series and mock interviews, but also won’t hesitate to motivate me whenever I felt uneasy or anxious. I found that in Civilsdaily mentor, Pravin sir. He was my go to mentor for Mains and Interview. I always made it a point to visit him weekly once and vent my feelings to him. After speaking to him, the clouds of negativity drifted away. I became confident to complete my studies for the day. It took me 3 attempts to fulfill not only my dream but my family’s dream.”

    Harvinder Singh’s life was filled with many hardships. Not because of UPSC-CSE preparation, but due to the unpredictable turn of events. When he was a three year old kid, his hand accidently fell into a pan of boiling hot oil in the kitchen. Due to this, three of his fingers have been severely impaired. As a 12th standard student, Harvinder studiously prepared for both AIEEE and NDA exams. Though he successfully, cleared the former exam, he failed the medical round of NDA (due to his fingers). Dejected that he missed an opportunity to serve the nation, Harvinder thought he cannot overlook supporting his family. His dad worked both as a farmer and truck driver to make ends meet. However, as a graduate in J&K, he found it extremely difficult to find a job.

    In 2013, he started his work as an engineer for a private company in Allahabad. Well settled, Harvinder thought of fulfilling his dream of serving the nation. If he couldn’t do it through Army, he could through civil services. After failing the prelims in first attempt, mains in second attempt, he finally cleared the exams in his third attempt to be an IAS officer. “I feared that in my third attempt, I will fail the personality round”, Harvinder jokes. Despite back to back failures, Harvinder always looked forward to his next attempt like it was his final attempt.

    Free to Attend (with mandatory registration) Ask me Anything Session with Harvinder Singh IAS

    As a result of which, the same lad who once suffered unemployment and other issues in J&K, is working to bring changes to J&K for the poor, needy, vulnerable and youth.

    This Thursday, Harvinder IAS is going to take some time off his busy schedule to address Civilsdaily aspirants. He will not only be talking about the specifics of UPSC-CSE journey, but also answering all your questions. If you are getting stuck due to any comprehension or consistency issue, it’s time to take Harvinder IAS sir’s help to solve them. And the good news is webinar is absolutely free for all to attend!

    Key Takeways of Ask me Anything Session with Harvinder Singh IAS

    1. Complete study booklist of Harvinder Singh IAS. For Prelims & Mains. Do you want to check if the current booklist you have are the right sources to prepare for UPSC-CSE?

    2. Complete timeline of UPSC-CSE Preparation as a working professional. When did Harvinder IAS prepare for Prelims, Mains and Interview?

    3. The art of making notes. What topics require notes and what topics don’t.

    4. Harvinder Singh IAS during Mains examination. What kind of questions came and how did he answer it?

    5. Hardwork in right direction vs Hardwork in wrong direction. Can only studying hard make you successful?

    6. Normal, standard and frequent revision techniques. What are they?

    Webinar Details

    If you are studying hard but are unsure that you are studying right, then its time to get some assurance from the topper himself! Register for this free webinar by IAS officer Harvinder Singh.

    Date: 16 December 2021 (Thursday)

    Time: 7 P.M

  • [Burning Issue] India-Nepal Relations

    UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)

    Introduction

    Nepal has once again raked up the border issue in Pithoragarh district by claiming three villages in the Kalapani area, raking up an issue that reared its head last year when Kathmandu published a new map showing India’s Lipulekh, Kalapani, and Limipiyadhura as part of its territory. The move comes in the context of the country’s ongoing census.

    Let us learn about the India-Nepal relations in detail.

    Nepal: India‘s immediate Himalayan neighbor

    • Nepal and India share an open border of about 1,880 km (1,168 miles).
    • The two countries have finalised maps covering 98% of the boundary, but the Lipulekh pass, Kalapani and Limpiyadhura in western Nepal are among the areas that remain contested.

    Various outstanding issues

    [I] Issue of Simultaneous floods in Bihar and Nepal

    • Some of Nepal’s biggest river systems originate in the Himalayan glaciers which then flow into India through Bihar.
    • During the monsoons, these river systems flood causing many problems for Bihar.
    • It is a necessity that there is process-driven coordination between the Centre and the Government of Bihar to handle the flooding in Nepal’s Terai and North Bihar (largely the Mithilanchal region).

    Which are those flooding rivers?

    • Nepal’s three biggest river systems—Kosi, Gandaki and Karnali—originate in the high mountain glaciers, flow through the country and then enter India through the state of Bihar.
    • During the monsoon season, these river systems often get flooded due to heavy rains/landslides in Nepal which create floods in India’s most flood prone state—Bihar.

    Measures: Joint flood management program

    • As part of the long-term measures to address the problem of massive and recurrent floods in Bihar, the Joint Project Office (JPO), Biratnagar, was established in Nepal in August 2004.
    • It aimed to prepare a detailed project report to construct a high dam on the Nepal side (on the Kosi, Kamla and Bagmati rivers).
    • Despite the best efforts made by the Government of Bihar, the task remains unaccomplished even after 17 years.
    • The Central Water Commission (CWC) has convened several meetings with Nepali Authorities.
    • However, what is evident is Nepal’s lack of prompt reciprocation. India has long-standing water sharing issues with Nepal.

    [II] India-Nepal Border Issue

    Construction of an 80-km-long road through the Lipulekh Pass got the 2 Himalayan neighbors into the fighting arena. The road was constructed with the purpose to reduce the travel time for Indian pilgrims visiting the religious shrine at Kailash-Mansarovar in Tibet. Nepal claims it to be a violation of its borders.

    So, what is the issue?

    • The inauguration of the “new road to Mansarovar” by India has strained the relations between Nepal and India.
    • While India argues that Kalapani is a part of Uttarakhand’s Pithoragarh district, Nepal claims it falls in its Darchula district.
    • The 1816 Sugauli Treaty between Nepal and British India placed all the territories east of the Kali (Mahakali) river, including Limpiyadhura, Kalapani and Lipu Lekh at the northwestern front of Nepal, on its side.
    • Lipu Lekh pass is 4 km northwest and Limpiyadhura 53 km west of Tinker pass. The borders of Nepal, India and China intersect in this area.
    • Given the situation in 1961, Nepal and China fixed pillar number one at Tinker pass with the understanding that pillar number zero (the tri-junction of Nepal, India, and China) would be fixed later.

    Why is Lipulekh important for India?

    • For India, the Lipulekh pass has security implications.
    • After its disastrous 1962 border war with China, it was concerned about a possible Chinese intrusion through the pass and has been keen to hold on to the strategic Himalayan route to guard against any future incursions.
    • The link road via Lipulekh Himalayan Pass is also considered one of the shortest and most feasible trade routes between India and China.
    • The Nepalese reaction would probably have triggered in response to Chinese assertion.

    Various facets of India-Nepal ties

    1. Cultural ties

    • While enjoying their own peculiarities, both India and Nepal share a common culture and ways of life.
    • Religion is perhaps the most important factor and plays a predominant role in shaping the cultural relations between these two countries, marked by a cross country pilgrimage on Char Dham Yatra, Pashupatinath Temple and some Buddhist sites.
    • A considerable section of Nepalese comprises of Madhesi population which has familial & ethnic ties with states of Bihar, UP.

    2. Strategic ties

    • Nepal is a buffer state between India and China.
    • Several Nepali Citizens are also deployed in Indian defence forces as well.

    3. Political ties

    • Constitutional turmoil is not new in Nepal. India has played a vital role in the democratic transition in Nepal against the monarch King Gyanendra.
    • Nepali Congress (NC) is one of the country’s oldest parties which supports relations with India, but the communist parties show a tilt towards China.

    4. Economic ties

    • Nepal is an important export market for India.
    • Himalayan rivers flowing through Nepal can be used for Hydroelectric power projects which will benefit border states of UP, Bihar and other adjacent areas.
    • There are three major water deals between Nepal and India, namely the Kosi Agreement, the Gandak Treaty and the Mahakali Treaty. India also exports Power to Nepal.
    • Also, Nepal is the largest borrower of Indian Currency in South Asia.

    India’s importance to Nepal

    • India is the nearest foreign employer to Nepali Citizens, which provides various avenues of work and ease in assimilation into a foreign culture.
    • Nepal’s reluctance to Mandarin has overturned several Nepali students into Indian universities.
    • India is the only potential neighbour who could harness Nepal’s hydropower.
    • Moreover, Indian tourists are the major movers of Nepal’s tourism sector.

    Major Irritants in bilateral ties

    1) Nepali nationalism and Anti-India sentiments

    • Anti-India Sentiment in Nepal is largely politically motivated as it is wrongly perceived as India’s backing to Monarchy.
    • The widening gap in understanding each other’s concerns has helped feed Nepali nationalism and create a dense cloud of distrust and suspicion between the two countries.
    • The gap widened after India chose to impose an economic blockade in response to Nepal’s sovereign decision to promulgate a democratic constitution.

    2) China factor

    • Increasing Chinese presence in Nepal is one of the major concern for India. China’s move to extend the rail link to its border with Nepal can reduce its dependence on India.
    • Fundamentally these Chinese agencies are building up anti-India sentiments in Nepal.
    • Nepal’s assent for “One Belt One Region” (OBOR) initiative of China is viewed by India with suspicion.
    • Nepal has been slowly fallen prey to China’s inroad debt trap policy.

    3) India has ignored the changing political narrative for long

    • The reality is that India has ignored the changing political narrative in Nepal for far too long.
    • For too long India has invoked a “special relationship”, based on shared culture, language and religion, to anchor its ties with Nepal.
    • The 1950 Treaty of Peace and Friendship which was sought by the Nepali authorities in 1949 is viewed as a sign of an unequal relationship, and an Indian imposition.

    4) Open borders

    • The issue of open borders has also been a point of debate in Nepal in recent years- Nepalese people argue that India is benefiting more from it than Nepal.
    • It has an open border with India which leads to problems such as illegal migrants, counterfeit currency entry, drug and human trafficking.

    5) Madhesis Issue

    • Madhesis share extensive cross-border ethnic and linguistic links with India. India’s involvement in Nepali politics and the upsurge in Madhesi have deep roots in history and unless resolved.
    • Madhesis protest and India’s blockade soured the relations for the worst.

    Way Forward

    • In the best spirit of friendship, Nepal and India should restart the water dialogue and come up with policies to safeguard the interests of all those who have been affected on both sides of the border.
    • It is time the two friendly countries come together and assess the factors that are causing unimaginable losses through flooding every year.
    • The onus is on India to rethink on a long-term basis how to recalibrate its relationship with Nepal provided Nepal should not ignore its relations with India.
    • Broader engagement from both sides is essential towards finding a solution that satisfies both sides.
    • There are many possible modalities. Maybe it could include joint military deployment, special access rights for Nepali citizens or even a free-trade zone with China.
    • The India-Nepal border issues appear more easily solvable, so long as there is political goodwill and statecraft exercised on both sides.
    • The way to move forward is to formally approve the strip maps, resolve the two remaining disputes, demarcate the entire India-Nepal boundary, and speedily execute the work of boundary maintenance.

    Conclusion

    • Water cooperation should drive the next big India-Nepal dialogue, and despite the challenges, wisdom should prevail to turn the crisis into an opportunity, for the sake of development and environmental protection.
    • The Indian road was not built overnight and the Nepal government was surely aware and monitoring the situation in Kalapani over the preceding months and years.
    • As both countries are laying claim to the same piece of land, the time has come for both countries to sit for talks to solve this issue.
    • India may continue to defuse the crisis through back channels but this is no longer sustainable as the dispute had become a “permanent irritant” after Nepal’s new map.

    UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)

  • Judges cannot be shielded from citizens’ questions

    Context

    Recently, the Chief Justice of India, in his own mild way, protested against the attack on judges. One can understand his pain and agony, but he too knows that judges do not, and should not live in ivory towers.

    Questioning and analysing actions of the judiciary

    • As the judiciary is one of the pillars of democracy, and the Constitution entrusts judges with the task of protecting the constitutional rights of the people, especially the right to life and liberty, the consumer of justice has every right, and would be fully justified in critically examining, and commenting upon each and every word of the judges spoken or written, howsoever unpalatable it may be.
    • It appears that it is in the above spirit that MP Shashi Tharoor, speaking in Parliament on the High Court and Supreme Court Judges (Salaries and Conditions of Service) Amendment Bill said that the judiciary had failed to stem the tide of militant majoritarianism.
    • He alleged that the “judiciary’s inaction almost always favours those in power”. 
    • He has raised pertinent questions, and has brought out the glaring failings of the judiciary in matters concerning the protection of the constitutional rights of citizens. 
    • Pendency of important cases such as the abrogation of Article 370 of the Constitution, the Citizenship Amendment Act, electoral bonds, and many petitions under the preventive detention laws highlights this issue.

    Issues in functioning of collegium system

    • As regards the functioning of the collegium system, judges are transferred without any seeming justification, and in some cases re-transferred, justifying neither their initial transfer nor the re-transfer.
    • Some elevations of judges raise eyebrows, while some are ignored.
    • Should the collegium not be more transparent than it has been in the past in the matter of the elevation and transfers of judges?

    Conclusion

    Judges cannot be shielded from citizens’ questions. After all, as a consumer of justice, the citizen has a right to know.

    UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)

  • UPSC ALERT|| Just 6 Months Left for UPSC 2022 Prelims!!|| Preparing with a Serious Time Crunch? || Register for Samanvaya Free 1-on-1 Counselling Now

    UPSC ALERT|| Just 6 Months Left for UPSC 2022 Prelims!!|| Preparing with a Serious Time Crunch? || Register for Samanvaya Free 1-on-1 Counselling Now

    They say, when the going gets tough, the tough gets going. For UPSC aspirants, there is a small tweak. When your preparation gets tough we’ll be there for you.

    How Successful has Civilsdaily been in Mentoring Aspirants?

    In UPSC 2020, Civilsdaily helped 80+ students secure ranks in their exams. In the top 100, every 3rd ranker was a Civilsdaily student. To know how all of them cleared the exam with our mentorship, visit the Unherd Podcast.

    Now that results are announced for UPSC 2021 Prelims, out of 15 out of 25 students of Santhosh Gupta sir have been recommended to Mains. One such student, Rahul expresses his gratitude and extends his appreciation —

    Most of our Mentors like Sudhanshu sir, Sajal sir, Santhosh sir, Pravin sir, Parth Verma sir and Sukanya Ma’am were UPSC aspirants themselves and have attended UPSC Mains more than five times and UPSC Interview more than twice. Hence their mentorship is always a blend of the best test series, comprehensive notes and current affairs knowledge.

    All of them dedicate their time weekly to give 1-on-1 mentorship to every student where they discuss last week’s performance and next week’s approach.

    Remember there is always light at the end of the tunnel and if you want to get out of the tunnel you have to follow the direction of the light! Our mentors’ give you direction which is divided into daily modules. All you have to do is study and complete them on time.

    See the source image

    As every year passes by, we don’t get confident by the previous years’ performance and become laidback. Instead, we become more hungry to convert all our students into toppers.

    How are Current Civilsdaily Students Gearing up for UPSC-CSE 2022?

    Initially, our Civilsdaily student Smriti wasn’t confident about Prelims when she began her preparation. Though she had joined Civilsdaily in 2020, she started studying for UPSC-CSE back in 2019. At that time, Smriti had enrolled in multiple institutes. Though, most of these institutes had promised a personal mentor, she was unable to get in touch with them on a daily basis. Also those mentors never scheduled test-series on a weekly basis. Hence, despite preparing for a year, Smriti had scored only 35 marks out of 200 in her first test series by Civilsdaily.

    She then started writing 20-25 test series over the course of UAP 2021 and in her last test, her scores have drastically improved. She now scores in the range of 130-135 marks in prelims’ and 110+ in mains’ papers.

    In Smriti’s own words she describes her Samanvaya Mentorship Experience to be —

    Our parents provide us financial and emotional support, friends provide us moral support and the right mentor gives you logistic and logical support for UPSC. There are days when I felt I won’t be able to compete against lakhs of aspirants. That’s when my mentor, Ravi sir reminded me of my improvement and encouraged me that I can crack it with the same consistency. We need someone, who tells us we are performing well especially when we cannot see that ourselves. The mentorship at Civilsdaily helped me become mentally stronger as a person. In other institutes, mentors are allotted only for doubt resolution. But at Civilsdaily, I am getting end-to-end support, be it value added notes, classes, test series and detailed evaluation.

    Why Do You Require Mentorship?

    Preparing for the UPSC exam is a race against time. You have to complete an answer within 8 minutes, complete Prelims mock test within 2 hours and most importantly complete the syllabus in a span of 8 months. The syllabus is so vast that most students feel overwhelmed within just a few weeks of starting their preparation. 

    We confirmed this last month, in our Samanvaya Mentorship program by counselling over 3500 students. The 2 biggest problems students said they face while preparing for this exam are:

    1. Syllabus Management
    2. Time Management

     As an aspirant, you can either spend a lot of time and effort trying to figure out how to cope with your syllabus and manage time or you can simply speak with our mentors and get the right study plan and timetable custom-made for you!

    Every aspirant needs a different strategy than the other. One might be struggling in prelims, other in mains. One might find history a piece of cake and geography a tough nut to crack and for the other it will be vice-versa. For an aspirant preparing full-time, they might get demotivated on a regular basis as they have no Plan B to fall back on. A working professional might be too exhausted to study by the end of the day. There is no one-size fits all solution.

    That’s why you need to register for Samanvaya free 1-on-1 counselling session to understand what study plan and study materials work best for you! Samanvaya 1-on-1 Free mentorship will help you stick to one approach of studying rather than switching plans through trial and error.

    Still you want a general idea how to manage time and your syllabus? Here’s what you can do!

    1. Syllabus Management—
      • Go through the entire syllabus thoroughly.
      • Mark the topics you feel comfortable with and those you aren’t familiar with.
      • Break down the syllabus into small parts and prioritize them in order.
      • Gather the relevant study material for the syllabus and start studying them in order.
      • Figure out where you need guidance – Is it with the subject matter? Do you need help with organizing your syllabus? Or you just aren’t sure how to begin?
    2. . Time Management—
      • Prioritize your study material
      • Complete the easier topics first.
      • Allocate at least one hour to answer-writing
      • Allocate at least one hour to MCQ practice
      • Make notes on Current Affairs while reading the newspaper
      • Allocate at least 2 hours for your optional.

    A Popular Time Management Technique—

    The Pomodoro Technique is followed by toppers like Srusti Jayant Deshmukh (UPSC 2019 AIR 5), Manoj Madhav S (UPSC 2019 AIR 105) and Namita Sharma (UPSC 2018, AIR 108)

    Developed by consultant Francesco Cirillo, the Pomodoro Technique is a time management tool that breaks work into 25-minute sessions to help you stay focused and get more done.

    Step
    1
    Choose a task
    Step
    2
    Set a timer for 25 minutes
    Step 3Work on the task until the timer goes off
    Step 4Once the timer goes off. Check off the item on a piece of paper
    Step
    5
    Take a short break
    Step
    6
    Every four Pomodoros, take a longer break

    How is Samanvaya 1-on-1 Guidance Program Structured?

    Our guidance program is designed as solutions to your challenges. We speak with students personally and understand their concerns on a one-on-one basis. Our mentors spend time understanding the individual requirements of our students and teach students how to break down the syllabus and create a plan they can stick to. Our mentors don’t advise you with run of the mill stories, they help in scripting your story!

    We will discuss the important ways in which you can crack this exam through the following methods:

    Personalized study plan – Make a list of the tasks that you need to accomplish that day, and note in upcoming meetings or deadlines as you become aware of them. As you complete your list, make sure to tick off the tasks you have completed.

    3. Tracking your progress – The key to time management success is to know your deadlines and set reminders. We suggest setting a reminder 15 minutes before a meeting or event so you can prepare and gather your things.

    4. Investing in topics with good ROI – First and foremost, turn off your email notification. Set 30-minute blocks to check your email every couple hours instead of checking it every 15 minutes. Make sure you minimize non-work distractions such as your cell phone, social media, or your favorite online store.

    5. Focusing on smart study – On your daily list of things to do, pen in how much time you think each task will take you. If you don’t finish, stop when the time you allotted ends, and come back to it later. Sometimes moving on to different responsibilities and then coming back gives your mind a fresh start and a new perspective.

    So, get all your UPSC demands addressed by a seasoned mentor, get one point source study materials, have regular engagement via calls and WhatsApp, adapt to course-correction strategies and follow a syllabus completion-cum-revision plan every month.

  • Why crypto currency legislations needs careful consideration

    Context

    The government has decided to introduce a bill that seeks to prohibit all private cryptocurrencies in India.

    Background of the bill

    • In 2018, the three-judge bench of the Supreme Court set aside the RBI circular that prevented crypto exchanges from dealing with the formal financial system on grounds of proportionality.
    • Purpose of the bill: The current bill now attempts to define the rules of the game so that the RBI, tax authorities, SEBI and other agencies have much better legal guidance in deciding the course of action with respect to VCs in their respective domains.
    • The rules can, therefore, range from a ban to controlled interaction with the formal financial system.

    Issues involving cryptos

    • Issues involving cryptos can be seen at three levels, each of which is equally important.
    • The first is its impact on sovereignty.
    • The second is its interaction with financial markets.
    • Third is the value proposition that the entire concept of crypto brings to the economic debate.
    • Incorporation of price stability mechanism: Some of the variants of cryptos such as the stable coin clearly indicate that these are attempts to create systems of money that incorporate features of price stability that imply a parallel monetary system.
    • Diluting the sovereign function of money creation: Unrestricted co-opting of VC clearly dilutes the sovereign function of money creation, clearly impacting the revenues of RBI.
    • Concerns pertaining to money laundering, terrorist threats and narco-trading also come under this category given the high value and anonymity offered by cryptocurrencies.

    Challenges in cryptocurrencies interaction with the formal system

    • As of now cryptos have been recognised as assets or commodities and as a medium of exchange. Their role as units of account or legal tender is rather limited.
    • They may offer a store of value given their short supply. From a banking point of view, certain issues do arise.
    • Since VCs are not legal tenders, they cannot be used in the discharge of debt.
    • Thus, banks cannot accept VCs to close a loan account.
    • Second, can banks lend in fiat by accepting VCs as collateral assuming the VC is an asset?
    • Incompatible with the fractional system of banking: At a deeper level, the very idea of VCs and the way they are designed are incompatible with the fractional system of banking.
    • The fluctuations in interbank liquidity require that money supply adjusts to system requirements.
    • If money supply undergoes compositional change in favour of VCs, this ability will be curtailed thus accentuating the crisis.
    • In financial markets, crypto such as ICOs bring another set of issues.
    • The ICO is a creature that disrupts the very concept of limited liability in corporate finance.
    • ICOs are, at times, designed in such a way that the beneficial owner identity is concealed.
    • SEBI is yet to convey a position on various issues surrounding this idea.
    • Issues with making VCs medium of exchange: VCs have emerged as a medium of exchange and many countries have permitted VC ATMs.
    • But how does this proposition fare given that considerable advances have been made in the payment systems domain in India.
    • Is it worthwhile that additional competition is introduced in a market that is hyper-competitive?
    • It will have impact on existing investments in mobile payment and UPI technology.
    • Impact on poor states: It is well known that the Indian population exhibits significant behavioural divergences in their savings and credit behaviour across regions.
    • Such wide behavioural changes have profound implications on bank strategies and product designs.
    • In the past, there have been several instances of states having low per capita income being more prone to chit fund investments that have negatively impacted the savings of many poor households.
    • The issue of consumer protection needs to be addressed and the current laws may have to be reviewed considering this innovation.

    Conclusion

    The bill must meet many important objectives. While there are obvious concerns of money laundering and benami transactions, there are equal concerns with respect to company laws, payment systems and banking, securities and other commercial laws.

    UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)


    Back2Basics: About Stablecoin

    • Stablecoins bridge the worlds of cryptocurrency and everyday fiat currency because their prices are pegged to a reserve asset like the U.S. dollar or gold.
    • This dramatically reduces volatility compared to something like Bitcoin and results in a form of digital money that is better suited to everything from day-to-day commerce to making transfers between exchanges.

    What is ICO?

    • ICO stands for “initial coin offering,” and refers to a formerly popular method of fundraising capital for early-stage cryptocurrency projects.
    • In an ICO, a blockchain-based startup mints a certain quantity of its own native digital token and offers them to early investors, normally in exchange for other cryptocurrencies such as bitcoin or ether.
  • UPSC ALERT|| Just 6 Months Left for UPSC 2022 Prelims!!|| Preparing with a Serious Time Crunch? || Register for Samanvaya Free 1-on-1 Counselling Now

    UPSC ALERT|| Just 6 Months Left for UPSC 2022 Prelims!!|| Preparing with a Serious Time Crunch? || Register for Samanvaya Free 1-on-1 Counselling Now

    They say, when the going gets tough, the tough gets going. For UPSC aspirants, there is a small tweak. When your preparation gets tough we’ll be there for you.

    How Successful has Civilsdaily been in Mentoring Aspirants?

    In UPSC 2020, Civilsdaily helped 80+ students secure ranks in their exams. In the top 100, every 3rd ranker was a Civilsdaily student. To know how all of them cleared the exam with our mentorship, visit the Unherd Podcast.

    Now that results are announced for UPSC 2021 Prelims, out of 15 out of 25 students of Santhosh Gupta sir have been recommended to Mains. One such student, Rahul expresses his gratitude and extends his appreciation —

    Most of our Mentors like Sudhanshu sir, Sajal sir, Santhosh sir, Pravin sir, Parth Verma sir and Sukanya Ma’am were UPSC aspirants themselves and have attended UPSC Mains more than five times and UPSC Interview more than twice. Hence their mentorship is always a blend of the best test series, comprehensive notes and current affairs knowledge.

    All of them dedicate their time weekly to give 1-on-1 mentorship to every student where they discuss last week’s performance and next week’s approach.

    Remember there is always light at the end of the tunnel and if you want to get out of the tunnel you have to follow the direction of the light! Our mentors’ give you direction which is divided into daily modules. All you have to do is study and complete them on time.

    See the source image

    As every year passes by, we don’t get confident by the previous years’ performance and become laidback. Instead, we become more hungry to convert all our students into toppers.

    How are Current Civilsdaily Students Gearing up for UPSC-CSE 2022?

    Initially, our Civilsdaily student Smriti wasn’t confident about Prelims when she began her preparation. Though she had joined Civilsdaily in 2020, she started studying for UPSC-CSE back in 2019. At that time, Smriti had enrolled in multiple institutes. Though, most of these institutes had promised a personal mentor, she was unable to get in touch with them on a daily basis. Also those mentors never scheduled test-series on a weekly basis. Hence, despite preparing for a year, Smriti had scored only 35 marks out of 200 in her first test series by Civilsdaily.

    She then started writing 20-25 test series over the course of UAP 2021 and in her last test, her scores have drastically improved. She now scores in the range of 130-135 marks in prelims’ and 110+ in mains’ papers.

    In Smriti’s own words she describes her Samanvaya Mentorship Experience to be —

    Our parents provide us financial and emotional support, friends provide us moral support and the right mentor gives you logistic and logical support for UPSC. There are days when I felt I won’t be able to compete against lakhs of aspirants. That’s when my mentor, Ravi sir reminded me of my improvement and encouraged me that I can crack it with the same consistency. We need someone, who tells us we are performing well especially when we cannot see that ourselves. The mentorship at Civilsdaily helped me become mentally stronger as a person. In other institutes, mentors are allotted only for doubt resolution. But at Civilsdaily, I am getting end-to-end support, be it value added notes, classes, test series and detailed evaluation.

    Why Do You Require Mentorship?

    Preparing for the UPSC exam is a race against time. You have to complete an answer within 8 minutes, complete Prelims mock test within 2 hours and most importantly complete the syllabus in a span of 8 months. The syllabus is so vast that most students feel overwhelmed within just a few weeks of starting their preparation. 

    We confirmed this last month, in our Samanvaya Mentorship program by counselling over 3500 students. The 2 biggest problems students said they face while preparing for this exam are:

    1. Syllabus Management
    2. Time Management

     As an aspirant, you can either spend a lot of time and effort trying to figure out how to cope with your syllabus and manage time or you can simply speak with our mentors and get the right study plan and timetable custom-made for you!

    Every aspirant needs a different strategy than the other. One might be struggling in prelims, other in mains. One might find history a piece of cake and geography a tough nut to crack and for the other it will be vice-versa. For an aspirant preparing full-time, they might get demotivated on a regular basis as they have no Plan B to fall back on. A working professional might be too exhausted to study by the end of the day. There is no one-size fits all solution.

    That’s why you need to register for Samanvaya free 1-on-1 counselling session to understand what study plan and study materials work best for you! Samanvaya 1-on-1 Free mentorship will help you stick to one approach of studying rather than switching plans through trial and error.

    Still you want a general idea how to manage time and your syllabus? Here’s what you can do!

    1. Syllabus Management—
      • Go through the entire syllabus thoroughly.
      • Mark the topics you feel comfortable with and those you aren’t familiar with.
      • Break down the syllabus into small parts and prioritize them in order.
      • Gather the relevant study material for the syllabus and start studying them in order.
      • Figure out where you need guidance – Is it with the subject matter? Do you need help with organizing your syllabus? Or you just aren’t sure how to begin?
    2. . Time Management—
      • Prioritize your study material
      • Complete the easier topics first.
      • Allocate at least one hour to answer-writing
      • Allocate at least one hour to MCQ practice
      • Make notes on Current Affairs while reading the newspaper
      • Allocate at least 2 hours for your optional.

    A Popular Time Management Technique—

    The Pomodoro Technique is followed by toppers like Srusti Jayant Deshmukh (UPSC 2019 AIR 5), Manoj Madhav S (UPSC 2019 AIR 105) and Namita Sharma (UPSC 2018, AIR 108)

    Developed by consultant Francesco Cirillo, the Pomodoro Technique is a time management tool that breaks work into 25-minute sessions to help you stay focused and get more done.

    Step
    1
    Choose a task
    Step
    2
    Set a timer for 25 minutes
    Step 3Work on the task until the timer goes off
    Step 4Once the timer goes off. Check off the item on a piece of paper
    Step
    5
    Take a short break
    Step
    6
    Every four Pomodoros, take a longer break

    How is Samanvaya 1-on-1 Guidance Program Structured?

    Our guidance program is designed as solutions to your challenges. We speak with students personally and understand their concerns on a one-on-one basis. Our mentors spend time understanding the individual requirements of our students and teach students how to break down the syllabus and create a plan they can stick to. Our mentors don’t advise you with run of the mill stories, they help in scripting your story!

    We will discuss the important ways in which you can crack this exam through the following methods:

    Personalized study plan – Make a list of the tasks that you need to accomplish that day, and note in upcoming meetings or deadlines as you become aware of them. As you complete your list, make sure to tick off the tasks you have completed.

    3. Tracking your progress – The key to time management success is to know your deadlines and set reminders. We suggest setting a reminder 15 minutes before a meeting or event so you can prepare and gather your things.

    4. Investing in topics with good ROI – First and foremost, turn off your email notification. Set 30-minute blocks to check your email every couple hours instead of checking it every 15 minutes. Make sure you minimize non-work distractions such as your cell phone, social media, or your favorite online store.

    5. Focusing on smart study – On your daily list of things to do, pen in how much time you think each task will take you. If you don’t finish, stop when the time you allotted ends, and come back to it later. Sometimes moving on to different responsibilities and then coming back gives your mind a fresh start and a new perspective.

    So, get all your UPSC demands addressed by a seasoned mentor, get one point source study materials, have regular engagement via calls and WhatsApp, adapt to course-correction strategies and follow a syllabus completion-cum-revision plan every month.

  • 13th December 2021| Daily Answer Writing Enhancement(AWE)

    Topics for Today’s questions:

    GS-1     Indian culture will cover the salient aspects of art forms, literature and architecture from ancient to modern times

    GS-2    Parliament and State legislatures—structure, functioning, conduct of business, powers & privileges and issues arising out of these.

    GS-3    Issues related to direct and indirect farm subsidies and minimum support prices; Public Distribution System- objectives, functioning, limitations, revamping; issues of buffer stocks and food security; Technology missions; economics of animal-rearing.

    GS-4   Human Values – lessons from the lives and teachings of great leaders, reformers and administrators; role of family, society and educational institutions in inculcating values.

    Questions:

    Question 1)

     

    Q.1 Comment on the significance of the Sangam literature as a source for understanding the history of that period. (10 Marks)

     

    Question 2)

    Q.2 What are the provisions for the suspension of the Rajya Sabha member for creating disorder in the House? What are the concerns with suspending the member for the entire session? (10 Marks)

    Question 3)

    Q.3 Examine the purpose of the Minimum Support Price declared by the government for crops and the implications of providing legal backing to it? Suggest the way forward. (10 Marks)

    Question 4)  

    Q.4 “Strive not to be a success, but rather to be of value.” – Albert Einstein. What does this quote mean to you? (10 Marks)

     

    HOW TO ATTEMPT ANSWERS IN DAILY ANSWER WRITING ENHANCEMENT(AWE)?

    1. Daily 4 questions from General studies 1, 2, 3, and 4 will be provided to you.

    2. A Mentor’s Comment will be available for all answers. This can be used as a guidance tool but we encourage you to write original answers.

    3. You can write your answer on an A4 sheet and scan/click pictures of the same.

    4.  Upload the scanned answer in the comment section of the same question.

    5. Along with the scanned answer, please share your Razor payment ID, so that paid members are given priority.

    6. If you upload the answer on the same day like the answer of 11th  October is uploaded on 11th October then your answer will be checked within 72 hours. Also, reviews will be in the order of submission- First come first serve basis

    7. If you are writing answers late, for example, 11th October is uploaded on 13th October, then these answers will be evaluated as per the mentor’s schedule.

    8. We encourage you to write answers on the same day. However, if you are uploading an answer late then tag the mentor like @Staff so that the mentor is notified about your answer.

    *In case your answer is not reviewed, reply to your answer saying *NOT CHECKED*. 

    For the philosophy of AWE and payment: 

More posts