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

Type: Prelims Only

  • 6 new sites added to Globally Important Agricultural Heritage Systems (GIAHS)

    Why in the News?

    The Food and Agriculture Organization (FAO) has recognized six traditional farming systems from Brazil, China, Mexico, and Spain as Globally Important Agricultural Heritage Systems (GIAHS).

    About the Newly Recognised GIAHS Systems:

    1. Deqing Pearl Mussel Fishery (China): 800-year-old integrated system of pearl farming, rice, and silk boosts ecotourism and water purification.
    2. Fuding White Tea Culture (China): Biodiverse tea gardens linked to rituals and livelihoods, supporting 18 tea and 41 vegetable varieties.
    3. Gaolan Pear Orchards (China): 600-year-old dryland system along the Yellow River yields 2 million kg of pears with native crop-livestock integration.
    4. Erva Mate Agroforestry (Brazil): Indigenous agroforestry under Araucaria forests preserves ecology and culture through erva-mate farming.
    5. Metepantle Terraces (Mexico): 3,000-year-old Nahua terrace farming ensures food sovereignty and conserves over 140 native species.
    6. Lanzarote Sand Farming (Spain): Volcanic and sea sand techniques grow crops without irrigation in one of Europe’s driest zones.

    About GIAHS: 

    • Definition: GIAHS are living and evolving agricultural systems where communities maintain strong ties to their land through agrobiodiversity, traditional knowledge, resilient ecosystems, and cultural heritage.
    • Purpose: The program works to identify, support, and safeguard agricultural systems that preserve genetic diversity, support rural livelihoods, and maintain cultural landscapes.
    • Origins: The concept was launched in 2002 at the World Summit on Sustainable Development in Johannesburg.
    • Nodal Agency: The Food and Agriculture Organization (FAO) of the United Nations leads the GIAHS initiative.
    • Program Implementation:
      1. Global level: Identification, selection, and formal recognition of GIAHS.
      2. National level: Policy support and capacity building.
      3. Local level: Community empowerment and technical assistance for sustainable resource use.

    India’s GIAHS-Recognized Farming Systems:

    India, known for its diverse agro-ecological zones and rich farming heritage, has 3 GIAHS sites:

    1. Koraput Traditional Agriculture (Odisha): Practised by tribal communities in the Eastern Ghats, this system conserves over 1,200 indigenous rice varieties; integrates millets and pulses in shifting and terraced cultivation; and supports community seed banks and organic methods vital for agro-biodiversity and food security.
    2. Kuttanad Below Sea Level Farming System (Kerala): Located in the Vembanad wetland area, it is the only below-sea-level farming system in India; farmers use polders and bunds to grow paddy, practice rice–fish rotation, and manage seasonal flooding through indigenous water control systems.
    3. Saffron Heritage of Kashmir (UT of Jammu & Kashmir): Found in the Pampore plateau, saffron is cultivated at 1,600–1,800 metres using traditional methods on Karewa soils; the crops are known for its high crocin content, aroma, and colour strength, making it a key product for local economy, export, and cultural heritage.
    [UPSC 2016] The FAO accords the status of ‘Globally Important Agricultural Heritage System (GIAHS)’ to traditional agricultural systems. What is the overall goal of this initiative?

    1. To provide modern technology, training in modern farming methods and financial support to local communities of identified GIAHS to greatly enhance their agricultural productivity.

    2. To identify and safeguard eco-friendly traditional farm practices and their associated landscapes, agricultural biodiversity and knowledge systems of the local communities

    3. The provide Geographical Indication status to all the varieties of agricultural produce in such identifies GIAHS Select the correct answer using the code given below.

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

     

  • Innovations in Sciences, IT, Computers, Robotics and Nanotechnology

    ‘Golden Dome’ Missile Defence System

    Why in the News?

    US President Donald Trump announced that he has shortlisted a design for a powerful new missile defence shield called the ‘Golden Dome’.

    About the Golden Dome Project:

    • Project Launch: It is a proposed missile defence shield announced by Donald Trump.
    • Development: It is being led by Michael Guetlein of the US Space Force, with support from SpaceX, Palantir, and Anduril.
    • Timeline: The system is projected to cost $175 billion and is expected to be operational by January 2029.
    • Purpose: It aims to protect the US from long-range missile threats, particularly ICBMs from China and Russia.
    • Defence Layers: The system will combine technologies deployed on land, at sea, and in space for comprehensive coverage.

    Key Features:

    • Space-Based Interceptors: Thousands of orbiting satellites will carry and launch interceptors from space, offering global missile defence.
    • Missile Tracking: Real-time detection using space-based sensors will allow the system to track enemy launches within seconds.
    • Altitude and Reach: Drones and satellites operating at 15,000 meters or more will stay above many conventional air defences.
    • Payload Flexibility: Capable of deploying surveillance drones, kamikaze UAVs, cruise missiles, and air-to-air missiles depending on mission needs.
    • Modular Adaptability: The system is designed for multiple applications, including military operations, public security, and maritime surveillance.

    Parallel Examples:

    • Iron Dome (Israel): A short-range missile defence system using ground-based radar and Tamir interceptors for protection against rockets and UAVs.
    • “Star Wars” Initiative (1980s): President Ronald Reagan’s Strategic Defense Initiative (SDI) aimed to destroy nuclear missiles from space using lasers and interceptors.
    • DARPA’s Gremlins Project: Explored mother ship-launched drones; Golden Dome builds on this idea at a larger and space-based scale.
    [UPSC 2018] What is “Terminal High Altitude Area Defense (THAAD)”, sometimes seen in the news?

    Options: (a) An Israeli radar system (b) India’s indigenous anti-missile programme (c) An American anti-missile system * (d) A defence collaboration between Japan and South Korea

     

  • Innovations in Sciences, IT, Computers, Robotics and Nanotechnology

    China’s ‘Mother Ship’ Drone

    Why in the News?

    China has unleashed its unmanned aerial “mother ship” drone named ‘Jiu Tian,’ capable of launching and coordinating over 100 drones in a single mission.

    About the Jiu Tian Mother Ship Drone:

    • Type and Capability: It is a jet-powered, super-high-altitude, long-range drone designed for advanced aerial missions.
    • First Appearance: It was first showcased at the Zhuhai Air Show in November 2024.
    • Size and Range: The drone is 82 feet wide, has a wingspan of 25 metres, and can fly up to 15,000 metres (50,000 feet) with a maximum range of 7,000 km.
    • Weight and Payload: It has a maximum take-off weight of 16 tonnes and can carry up to 6 tonnes of weapons and drones.
    • Altitude Advantage: It is designed to fly above medium-range air defence systems, improving survivability in contested zones.

    Key Capabilities and Features:

    • Drone Deployment: It can release up to 100 small drones or loitering munitions, including kamikaze drones, from both sides of its belly.
    • Weapon Compatibility: It features eight external hardpoints that can carry surveillance drones, cruise missiles, and air-to-air missiles like the PL-12E.
    • Mission Flexibility: Its modular interior allows for quick reconfiguration to suit different missions such as military strikes, border defence, maritime surveillance, emergency rescue, public security, and high-risk logistics.
    [UPSC 2020] Consider the following activities: (1) Spraying pesticides on a crop field (2) Inspecting the craters of active volcanoes (3) Collecting breath samples from spouting whales for DNA analysis

    At the present level of technology, which of the above activities can be successfully carried out by using drones?

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

     

  • Cyber Security – CERTs, Policy, etc

    E-Zero FIR to speed up action on Cyber Frauds

    Why in the News?

    The Ministry of Home Affairs (MHA) has launched a pilot project for the e-Zero FIR (First Information Report) system in Delhi to help police take faster action in high-value cyber financial frauds.

    What is Zero FIR?

    • Purpose: Zero FIR allows any police station to register an FIR for a cognisable offence without assigning a regular FIR number initially.
    • No diary: Whereas FIRs have serial numbers assigned to them, zero FIRs are assigned the number ‘0’. Hence the name.

    About the e-Zero FIR System:

    • Launch and Objective: The MHA has launched a pilot e-Zero FIR project in Delhi to speed up action in cyber financial frauds over ₹10 lakh.
    • System Developer: It has been developed by the Indian Cybercrime Coordination Centre (I4C) under the MHA.
    • How It Works: Victims can file complaints via the National Cybercrime Reporting Portal (NCRP) or by calling the 1930 helpline.
    • FIR Process: The e-Crime Police Station in Delhi registers the FIR digitally, which is then transferred electronically to the correct local police station.
    • Legal Basis: The project is implemented under Section 173(1) and 173(1)(ii) of the Bharatiya Nagrik Suraksha Sanhita (BNSS), 2023.
    • Jurisdiction-Free Filing: Victims can report crimes without worrying about police station limits.
    • Digital Integration: The system connects the I4C’s NCRP, Delhi Police’s e-FIR portal, and NCRB’s CCTNS platform.

    Key Features and Victim Support:

    • Automatic Registration: FIRs are automatically registered for cyber frauds involving over ₹10 lakh.
    • Anywhere Access: Victims can file from any location, ensuring jurisdiction-free access.
    • Fast FIR Transfer: FIRs are sent electronically to the appropriate police station for follow-up.
    • Mandatory Visit: Victims must visit a cybercrime police station within 3 days to convert the Zero FIR into a regular FIR.
    • Improved Recovery: Early registration improves the chances of recovering lost funds in time-sensitive fraud cases.
    • Simplified Process: The system makes legal action easier and more accessible for cybercrime victims.
    [UPSC 2021] With reference to India, consider the following statements:

    1. Judicial custody means an accused is in the custody of the concerned magistrate and such an accused is locked up in a police station, not in jail.
    2. During judicial custody, the police officer in charge of the case is not allowed to interrogate the suspect without the approval of the court.

    Which of the statements given above is/are correct?

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

     

  • Historical and Archaeological Findings in News

    Rewriting the Keezhadi (Keeladi) Excavations Report

    Why in the News?

    The Archaeological Survey of India (ASI) has asked to resubmit his excavation report on the Keeladi site near Madurai after making necessary corrections.

    ASI’s Concerns with the Report:

    • The ASI asked for better scientific justification for the period of 8th century BCE to 5th century BCE.
    • It said the earliest period could be more accurately dated to pre-300 BCE.
    • The ASI said that depth data alone was not enough — each scientific date should also mention the layer number to allow for stratigraphic consistency.

    About Keezhadi Excavations:

    • Location: Keezhadi is a village in Sivaganga district, located about 12 km southeast of Madurai, along the Vaigai River in Tamil Nadu.
    • Excavations: Excavations began in 2014, led by archaeologist Amarnath Ramakrishna, to uncover urban signs from the Sangam Age.
    • Period Link: The site is associated with the Sangam period (3rd century BCE to 3rd century CE), and findings may push it back to 800 BCE.
    • Civilisation Context: Keezhadi is now seen as part of the Vaigai Valley Civilisation, with evidence of urbanisation, trade, and early literacy.

    Key Findings from Keezhadi:

    • Period: Charcoal samples dated to around 200 BCE; some artefacts range between the 6th century BCE and 1st century BCE using the Accelerator Mass Spectrometry (AMS) dating.
    • Tamil Brahmi Inscriptions: Over 120 potsherds with early Tamil Brahmi script indicate literacy during the Sangam period.
    • Pottery and Craftsmanship: Discovery of pottery, gold ornaments, copper tools, shell bangles, and ivory combs show local industry and artistic skill.
    • Trade and Imports: Agate and carnelian beads suggest access to imported materials and long-distance trade.
    • Recreational Items: Dice and game pieces were found, indicating leisure activities in the society.
    • Industrial Activity: Evidence of dyeing units and bead-making points to a flourishing economy.
    • Cultural Continuity: Artefacts show a transition from the Iron Age to the Early Historic Period.
    • Possible Indus Link: Some symbols on potsherds resemble Indus Valley signs, hinting at cultural connections, despite a 1,000-year gap.
    [UPSC 2013] Though not very useful from the point of view of a connected political history of South India, the Sangam literature portrays the social and economic conditions of its time with remarkable vividness. Comment.

    [UPSC 2023] Which one of the following explains the practice of Vattakirutal’ as mentioned in Sangam poems?

    Options: (a) Kings employing women bodyguards (b) Learned persons assembling in royal courts to discuss religious and philosophical matters (c) Young girls keeping watch over agricultural fields and driving away birds and animals (d) A king defeated in a battle committing ritual suicide by starving himself to death*

     

  • Festivals, Dances, Theatre, Literature, Art in News

    INSV Kaundinya

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: INSV Kaundinya

    Why in the News?

    The Indian Navy has formally inducted a traditional stitched sail ship, named INSV Kaundinya, at a ceremony held at the Naval Base in Karwar.

    INSV Kaundinya

    About INSV Kaundinya:

    • Induction: It is a newly inducted, stitched sail ship of the Indian Navy, formally inducted at Karwar Naval Base.
    • Design: The ship is based on a 5th-century design shown in a painting from the Ajanta Caves.
    • Construction Method: Built using ancient Indian shipbuilding techniques, including coconut fibre stitching, wooden joinery, coir ropes, natural resins, and cotton sails.
    • No Modern Additions: It has no metal parts, no modern rudder, and is powered by square sails and steering oars.
    • Cultural Symbols: Features include the Gandabherunda (two-headed eagle of the Kadamba dynasty), a Simha Yali on the bow, and a Harappan-style stone anchor.
    • Sail Plan: The vessel has 3 masts — the main mast, mizzen mast, and bowsprit mast.
    • Planned Voyage: A 15-member Indian Navy crew will sail it to Oman by late 2025, retracing ancient maritime trade routes.
    • Project Partners: This heritage revival project is supported by the Ministry of Culture, Indian Navy, and Hodi Innovations Pvt. Ltd.

    Legend of Kaundinya and Queen Soma:

    • Kaundinya is regarded as the first known Indian sailor to cross the seas over 2,000 years ago.
    • He is credited with founding the kingdom of Funan (in present-day Cambodia and South Vietnam) through a historic alliance with Queen Soma.
    • Their story is recorded in Cambodian, Vietnamese, and Chinese sources, though not in Indian texts.
    • Future dynasties like the Khmer and Cham traced their origins to this union.
    [UPSC 2003] Consider the following statements:

    1. The Cholas defeated Pandya and Chera rulers and established their domination over peninsular India in the early medieval times.

    2. The Cholas sent an expedition against Sailendra empire of South East Asia and conquered some of the areas.

    Which of these statements is/are correct?

    Options: (a) Only 1 (b) Only 2 (c) Both 1 and 2* (d) Neither 1 nor 2

    https://www.thehindu.com/news/national/navy-inducts-stitched-sail-ship-as-insv-kaundinya/article69601911.ece

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

    [pib] International Day for Biological Diversity, 2025

    Why in the News?

    India has celebrated the International Day for Biological Diversity 2025 in Udaipur.

    About International Day for Biological Diversity (IDB):

    • Annual Observance: The IDB is celebrated every year on May 22 to raise awareness about the importance of biodiversity conservation.
    • Significance: The date marks the adoption of the Convention on Biological Diversity (CBD) in 1992.
    • 2025 Theme: ‘Harmony with Nature and Sustainable Development’.
    • Key Highlights: India showcased its global leadership through:

    Back2Basics: Convention on Biological Diversity (CBD)

    • Adoption: The CBD was adopted at the Rio Earth Summit in 1992 and came into force on December 29, 1993.
    • Membership: Its secretariat is located in Montreal, Canada, and the convention has been ratified by 196 countries. The USA has signed but NOT ratified it.
    • India and CBD:
      • India became a party to the CBD on February 18, 1994, and is recognised as a leader among developing countries in biodiversity conservation and policy implementation
      • India hosted the 11th Conference of the Parties (COP-11) to the CBD in Hyderabad in 2012, showcasing its commitment and capacity in biodiversity governance
    • Core Objectives:
      • Conservation of biodiversity
      • Sustainable use of its components
      • Fair and equitable sharing of benefits from genetic resources
    • Functioning: The CBD is governed by the Conference of the Parties (COP), which meets every 2 years.
    • Latest Development (COP16, 2024): Held in Cali, Colombia, COP16 introduced a benefit-sharing mechanism for Digital Sequence Information (DSI) to ensure rewards for local communities.
    • Related Protocols:
      • Cartagena Protocol (2000): Regulates cross-border movement of living modified organisms (LMOs); effective from 2003.
      • Nagoya Protocol (2010): Ensures fair access and benefit-sharing for genetic resources.

    India’s Biodiversity Profile:

    • India is one of 17 mega-diverse countries in the world.
    • It covers an area of 329 million hectares and is the 9th largest country globally.
    • India is home to:
      • Over 1,00,000 animal species.
      • Around 55,000 plant species.
      • Ten bio-geographic regions.

     

    [UPSC 2023] Consider the following statements:

    1. In India, the Biodiversity Management Committees are key to the realization of the objectives of the Nagoya Protocol.

    2. The Biodiversity Management Committees have important functions in determining access and benefit sharing, including the power to levy collection fees on the access of biological resources within its jurisdiction.

    Which of the statements given above is/are correct?

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

     

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

    What are Shared Socioeconomic Pathways (SSPs)?

    Why in the News?

    A new ETH Zurich study warns that under the Shared Socioeconomic Pathway (SSP) 5-8.5 scenario, warming could make cyclones more intense and hit unusual regions with greater damage.

    What are Shared Socioeconomic Pathways (SSPs)?

    • Definition: SSPs are 5 global scenarios that show how changes in society, economy, and technology might influence climate adaptation and mitigation.
    • Purpose: They complement Representative Concentration Pathways (RCPs) by adding socioeconomic context to climate models.
    • Development: Created in the late 2000s, published in 2016, and used in the IPCC 6th Assessment Report and CMIP6 models.
    • Function: SSPs assume no new climate policies, helping scientists explore how global trends affect emissions and climate action.
    • The Five Pathways:
      1. SSP1: Sustainable and equitable world
      2. SSP2: Continuation of current trends
      3. SSP3: Regional rivalry with high population growth
      4. SSP4: Unequal world with high disparities
      5. SSP5: Fossil-fuel-based rapid economic growth
    • Usage: SSPs are used with RCPs to explore how different futures could affect the 1.5°C or 2°C warming targets.
    • Significance: They help policymakers assess how societal choices impact climate risks, emissions, and the feasibility of global goals.

    About SSP5-8.5 and Cyclone Risks:

    • Scenario Summary: SSP5 shows rapid economic growth fuelled by fossil fuels.
    • Radiative Forcing: SSP5-8.5 implies 8.5 W/m² of energy, compared to about 2.7 W/m² today.
    • Climate Target Gap: To limit warming below 2°C, forcing must stay around 2.6 W/m².
    • Cyclone Projections: Using the CLIMADA (climate adaptation) AI model, scientists studied past cyclone patterns and projected risks from 2015–2050.
    • Ecoregion Types:
      1. Resilient: Often affected, but recover quickly
      2. Dependent: Moderately impacted and adaptive
      3. Vulnerable: Rarely hit but slow to recover
    • Findings:
      • Time between severe cyclones in resilient areas may drop from 19 to 12 years.
      • East Asia, Central America, and the Caribbean will face stronger, more frequent cyclones.
      • Madagascar, Oceania, and the Philippines will face unprecedented cyclone activity.

    Impact on Mangroves and Coastal Ecosystems:

    • Mangrove Risk: By 2100, up to 56% of global mangroves could be at high to severe risk.
    • Most Affected Region: Southeast Asia, with 52–78% of mangroves at risk.
    • Other Scenario Impact (SSP3-7.0): Even under less severe warming, 97–98% of protective mangroves in Southeast Asia could still face critical threats.
    • Environmental Concern: These losses would severely weaken coastal protection, biodiversity, and carbon storage.
    [UPSC 2020] Consider the following statements:

    1. Jet streams occur in the Northern Hemisphere only. 2. Only some cyclones develop an eye. 3. The temperature inside the eye of a cyclone is nearly 10°C lesser than that of the surroundings.

    Which of the statements given above is/are correct?

    Options: (a) 1 only (b) 2 and 3 only (c) 2 only* (d) 1 and 3 only

     

  • Global Geological And Climatic Events

    World’s most powerful Solar Particle Storm struck Earth 14,300 years ago

    Why in the News?

    Scientists have discovered that a massive solar storm hit Earth around 12,350 BC, making it the most powerful solar event ever detected.

    What are Solar Particle Storms?

    • About: A solar storm is a disturbance caused by solar flares or coronal mass ejections that release charged particles into space.
    • Solar Particle Storm: It is a type of solar storm where high-energy particles travel toward Earth, producing cosmogenic isotopes like radiocarbon.
    • Detection: These isotope spikes are recorded in tree rings and are known as Miyake events, which act as cosmic timestamps.
    • Impact: Though rare, solar particle storms can severely affect satellites, communication systems, and power grids.
    • Historical Events: Major solar particle storms were identified in AD 994, 663 BC, 5259 BC, and 7176 BC.
    • Carrington Event (1859): This was a major solar storm, but not a particle storm—it resulted from a different solar mechanism.

    How was the ancient storm detected?

    • Methodology: A solar storm from 12,350 BC was discovered using tree-ring data from the French Alps.
    • Event Strength: This storm was over 500 times stronger than the 2005 solar storm, the largest in the satellite era.
    • What are its implications?
      • Significance: This is the first known extreme solar event before the Holocene, predating the last 12,000 years of stable climate.
      • Modern Relevance: The discovery highlights the risks of future extreme solar activity on Satellite infrastructure and Space Application.
      • Significance: Miyake events improve the precision of archaeological dating, helping better understand ancient human history.
    [UPSC 2022] If a major solar storm (solar flare) reaches the Earth, which of the following are the possible effects on the Earth?

    1. GPS and navigation systems could fail.

    2. Tsunamis could occur at equatorial regions.

    3. Power grids could be damaged.

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

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

    6. Orbits of the satellites could be disturbed.

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

    Select the correct answer using the code given below:

    Options: (a) 1 only (b) 2 and 3 only (c) 1 and 3 only (d) 1, 2, 3, 4, 6 and 7*

    Tap to know more about the answer.

     

  • Cyber Security – CERTs, Policy, etc

    [pib] DoT introduces Financial Fraud Risk Indicator (FRI)

    Why in the News?

    In a major move to fight cyber fraud and financial crime, the Department of Telecommunications (DoT) has launched the Financial Fraud Risk Indicator (FRI) as a part of the Digital Intelligence Platform (DIP).

    Back2Basics: Digital Intelligence Platform (DIP)

    • DIP is developed by the Department of Telecommunications (DoT) as a secure, integrated platform for real-time intelligence sharing.
    • Stakeholders Involved: It connects Telecom Service Providers (TSPs), law enforcement agencies (LEAs), banks, financial institutions, social media platforms, and identity document issuers.
    • Functionality: The platform contains information on telecom resource misuse and supports case tracking and coordinated action.
    • Sanchar Saathi Integration: DIP acts as a backend system for citizen requests submitted through the Sanchar Saathi portal.
    • Access Control: DIP is available only to authorized stakeholders via secure connections and is NOT accessible to public.

    What is the Financial Fraud Risk Indicator (FRI)?

    • Purpose: FRI is a risk-based tool that flags mobile numbers as Medium, High, or Very High risk for financial fraud.
    • Data Sources: It pulls inputs from the National Cybercrime Reporting Portal (NCRP), DoT’s Chakshu Platform, and banking institutions.
    • Beneficiaries: Helps banks, NBFCs, and UPI service providers implement added security for high-risk numbers.
    • How It Works:
      • The Digital Intelligence Unit (DIU) shares a Mobile Number Revocation List (MNRL) with reasons like cybercrime, failed verification, or excess usage.
      • The tool performs multi-dimensional analysis and assigns a fraud risk level.
      • Risk status is shared in real-time via DIP, enabling early action before fraud occurs.

    Case Study: PhonePe’s use of FRI System

    • PhonePe was one of the first adopters of the FRI system.
    • It uses FRI to:
      • Block transactions linked to Very High-risk numbers.
      • Display alerts using the PhonePe Protect feature.
    • For Medium-risk numbers, PhonePe is working on showing proactive user warnings before transactions.
    • The tool has proven highly accurate in identifying numbers involved in cyber fraud.

     

    [UPSC 2021] Which one of the following effects of the creation of black money in India has been the main cause of worry to the Government of India?

    Options: (a) Diversion of resources to the purchase of real estate and investment in luxury housing (b) Investment in unproductive activities and purchase of precious stones, jewelry, gold, etc. (c) Large donations to political parties and the growth of regionalism (d) Loss of revenue to the State Exchequer due to tax evasion*