Note4Students
From UPSC perspective, the following things are important :
Prelims level: NBFCs
Mains level: Co-Lending and associated issues
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:
- Agricultural Activity
- Industrial Activity
- Purchase or sale of any goods excluding securities
- 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:
- NBFC cannot accept demand deposits;
- NBFCs do not form part of the payment and settlement system and cannot issue cheques drawn on itself;
- 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)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: 5G technology
Mains level: Issues with 5g rollout
The US Federal Aviation Administration (FAA) has issued directives to create a framework as well as gather more information about the potential effects of 5G on crucial aviation safety equipment.
What is 5G technology?
- 5G or fifth generation is the latest upgrade in the long-term evolution (LTE) mobile broadband networks.
- It mainly works in 3 bands, namely low, mid and high-frequency spectrum — all of which have their own uses as well as limitations.
Three bands of 5G
- The low band spectrum has shown great promise in terms of coverage and speed of internet and data exchange, the maximum speed is limited to 100 Mbps (Megabits per second).
- This means that while telcos can use and install it for commercial cellphones users who may not have specific demands for very high-speed internet, the low band spectrum may not be optimal for specialised needs of the industry.
- The mid-band spectrum, on the other hand, offers higher speeds compared to the low band but has limitations in terms of coverage area and penetration of signals.
- Telcos and companies, which have taken the lead on 5G, have indicated that this band may be used by industries and specialised factory units for building captive networks that can be moulded into the needs of that particular industry.
- The high-band spectrum offers the highest speed of all the three bands, but has extremely limited coverage and signal penetration strength.
- Internet speeds in the high-band spectrum of 5G have been tested to be as high as 20 Gbps (gigabits per second), while, in most cases, the maximum internet data speed in 4G has been recorded at 1 Gbps.
What is the issue?
- There is a threat of potential radar altimeter interference from 5G cellular in the 3700 MHz-3800 MHz frequency or the C-band.
- The 3700-4200 MHz band is close to the 4200 MHz-4400 MHz range used by aircraft radio altimeters.
Potential impacts
- Operations by aircraft including large jets could be limited or prohibited from using certain landing and navigation systems in places where there is scope for potential interference from new 5G cellular networks.
- The restrictions could be severe for smaller aircraft and helicopters.
- Overall, these could result in flight cancellations, delays or diversions in 46 places where these towers are, according to an aviation report.
What is the aircraft equipment that can be affected?
- The radio altimeter measures height (not altitude) of the aircraft above the surface immediately below the plane. It transmits a radio signal directly below.
- There are various other systems that depend on inputs from the radio altimeter — for example, predictive wind shear, ground proximity warning system, traffic collision avoidance system, and auto land.
- These effects are only when the aircraft is close to the ground, i.e. up to 2,500 ft above ground level (depending on the aircraft make).
- Any disturbance to internal radio altimeter readings caused by 5G or other equipment transmitting in frequency bands close to it can result in disastrous effects on crucial systems during approach/landing.
Impact of mobile phones
- 5G devices can interfere with aircraft altitude instruments and recommended that they should be turned off (or put to flight mode) during flight.
- Experts believe that electrical interference from a mobile phone could have been a factor in the crash of a small aircraft.
- The navigation system of the small aircraft could be disrupted by mobile phone signals.
- But up until now, there has been no evidence of a mobile phone having caused a crash.
What about the implications for India?
- Pilots in India are aware of the implications of 5G in the country.
- However, in India, 5G could be rolled out in the 3.2 GHz-3.6 GHz band, which may not have the potential to interfere with aircraft operations.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: Chaperone Protein
Mains level: NA
Chaperones are a functionally related group of proteins assisting protein folding in the cell under physiological and stress conditions.
What are Chaperones?

- DNA is a linear chain of nucleotides, portions of which are faithfully transcribed into linear messenger RNA.
- The message in this RNA is translated into strings of amino acids – proteins.
- Proteins need to take a precise three-dimensional shape to become functional entities.
- This protein folding does not happen all by itself, at least most of the time.
- A special bunch of proteins called molecular chaperones assist in correctly folding the protein.
Functions of chaperone proteins
- In biological systems, Chaperones play crucial roles.
- Many molecular chaperones belong to the class of “heat shock” proteins (or stress-response proteins).
- This is because whenever an organism is subjected to elevated temperatures – a heat shock – proteins in the system begin to lose their native shapes, and chaperones are produced in large quantities to restore order.
General need of chaperones
Chaperones are needed under physiological conditions too, for normal cellular function since misfolding of proteins can cause a number of diseases.
- Alpha-synuclein protein, present in neurons, is wrongly folded in Parkinson’s disease.
- Brains of Alzheimer’s patients have plaques formed from aggregates of amyloid beta-peptide.
- This accumulation of amyloid fibrils is toxic, leading to widespread destruction of neurons – a ‘neurodegenerative’ disorder.
- Aberrant folding of crystallins of the eye lens leads to cataracts.
Types of Chaperones
- Major chaperones in humans include HSP70, HSC70 and HSP90: the numbers express the size of the proteins in kilodaltons.
- In normal cells 1%–2% of all proteins present are heat shock proteins.
- This number rises threefold during stressful conditions.
HSC70: The molecular thermometer
- HSC70 appears to be more like a molecular thermometer, with an ability to sense cold temperatures.
- It is induced by heat, whereas HSC70 is always present at high levels in normal cells.
- This knowledge comes from the study of an intriguing set of disorders, exemplified by Familial Cold Autoinflammatory Syndrome (FCAS).
HSC70 and HSP90: Role in Cancer
- Cancer cells divide at a break-neck pace, and heat shock proteins are very important in maintaining the stressful cancerous state.
- An overabundance of heat shock proteins in cancer cells is an indicator of a poor prognosis. Cancerous cells accumulate mutations in proteins that would normally suppress tumours.
- HSP70 and HSP90 play the roles of villains, as they continue to fold the mutated proteins, thus allowing tumor progression.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: Raidioactivity
Mains level: Water Pollution

Radioactive pollution of water is newly emerging but is of grave concern for water pollution and human health.
Quick recap: Radioactivity
- Radioactivity is the phenomenon of spontaneous emission of particles or waves from the unstable nuclei of some elements.
- There are three types of radioactive emissions: Alpha, Beta and Gamma.
- Alpha particles are positively charged He atoms, beta particles are negatively charged electrons and gamma rays are neutral electromagnetic radiations.
- Radioactive elements are naturally found in the earth’s crust.
Radioactive contamination of Water
- Natural: Percolation of naturally occurring radioactive materials (NORM) from the soil sediments to the aquifer causes groundwater contamination.
- Man-made: Anthropogenic sources of such pollution include- nuclear weapon investigation, nuclear calamities, nuclear powerhouses and dumping of radioactive waste.
Various contaminant elements
- Uranium, thorium and actinium are three NORM series that contaminate water resources.
- A number of radionuclides are found in surface and subsurface waters, among which 3H, 14C, 40K, 210Pb, 210Po, 222Rn, 226Ra, 228Ra, 232Th and 234,235,238U are common.
- Strontium-90, Caesium-137, etc are also formed by nuclear reactors, along with numerous unnecessary radioisotopes wastes.
- 40K and 7Be are the most commonly found radioactive elements in the sludge generated in sewage treatment plants.
- Nuclear reactors produce radioisotopes (Cobalt-60, Iridium-192, etc) that hand out as sources of gamma radiation in radiotherapy and numerous industrial appliances.
Oceanic sources
- Oceans and seas are the natural repositories of naturally occurring uranium. It is found in the form of uranyl carbonate ion.
- A significant concentration of uranium is supposed to be found in the greater salinity of the marine water.
- 40K (Radioactive Potassium) is also found in considerable concentration in the marine environment.
Measuring radioactive pollution
- Radioactivity is measured in Becquerel (SI unit) or in Curie.
- Energy absorbed per unit mass is measured by Gray, while the unit Sievert measures the quantity of radiation absorbed by human tissues.
- A small amount of radiation is found in all types of water but the extended amount of radiation is harmful to human health.
- Radioactivity in drinking water can be determined by a gross alpha test.
Hazards of such pollution
- Radioactive elements have an effect on the environment and can cause a risk to human healthiness if inhaled, injected or exposed.
- Human tissues absorb radiation through polluted water and foodstuff, which can cause serious health risks.
- High doses of radiation can cause acute radiation syndrome or cutaneous radiation injury.
- Exposure to radiation causes various disorders in human physiology, including cancer, leukaemia, genetic mutations, osteonecrosis, cataracts and chromosomal disruption.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: IXPE
Mains level: Not Much

NASA has launched a new mission named Imaging X-ray Polarimetry Explorer or IXPE.
About IXPE
- IXPE observatory is a joint effort of NASA and the Italian Space Agency.
- The mission will study “the most extreme and mysterious objects in the universe – supernova remnants, supermassive black holes, and dozens of other high-energy objects.”
- The mission’s primary length is two years and the observatory will be at 600 kilometers altitude, orbiting around Earth’s equator.
- IXPE is expected to study about 40 celestial objects in its first year in space.
What are the instruments onboard?
- IXPE carries three state-of-the-art space telescopes.
- Each of the three identical telescopes hosts one light-weight X-ray mirror and one detector unit.
- These will help observe polarized X-rays from neutron stars and supermassive black holes.
- By measuring the polarization of these X-rays, we can study where the light came from and understand the geometry and inner workings of the light source.
- This new mission will complement other X-ray telescopes such as the Chandra X-ray Observatory and the European Space Agency’s X-ray observatory, XMM-Newton.
Why is it important?
The mission will help scientists answer questions such as:
- How do black holes spin?
- Was the black hole at the center of the Milky Way actively feeding on surrounding material in the past?
- How do pulsars shine so brightly in X-rays?
- What powers the jets of energetic particles that are ejected from the region around the supermassive black holes at the centers of galaxies?
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: Sarayu River
Mains level: River interlinking and associated issues

PM will inaugurate the Saryu Nahar National Project.
Saryu Nahar National Project
- The Project involves the interlinking of five rivers – Ghaghara, Saryu, Rapti, Banganga and Rohini to ensure optimum usage of water resources of the region.
- It will benefit nine districts of Eastern Uttar Pradesh namely – Bahraich, Shravasti, Balrampur, Gonda, Siddharthnagar, Basti, Sant Kabir Nagar, Gorakhpur and Maharajganj.
- The sub canals with a length of 6,600km have been linked to the 318km main canal.
- The work on the project started in 1978 but due to lack of continuity, it got delayed and was not completed even after nearly four decades.
Benefits offered
- The project will provide assured water for irrigation of over 14 lakh hectares of land and benefit about 29 lakh farmers of over 6200 villages.
- The farmers of the region, who were the worst sufferers of the inordinate delay in the project, will now immensely benefit from the upgraded irrigation potential.
- They will now be able to grow crops on a larger scale and maximize the agri-potential of the region.
Back2Basics: Sarayu River

- The Sarayu is a river that originates at a ridge south of Nanda Kot mountain in Bageshwar district in Uttarakhand.
- It flows through Kapkot, Bageshwar, and Seraghat towns before discharging into the Sharda River at Pancheshwar at the India—Nepal border.
- Lower Ghaghara is also popularly known as Sarayu in India.
- Especially while it flows through the city of Ayodhya, the birthplace of legendary Rama.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: Non-convertible Debentures
Mains level: Not Much
Several companies have announced public issues to raise funds through non-convertible debentures.
What are Debentures?
- Debentures are long-term financial instruments issued by a company for specified tenure with a promise to pay fixed interest to the investor.
- They can be held by individuals, banking companies, primary dealers other corporate bodies registered or incorporated in India and unincorporated bodies.
- Their types include:
- Convertible debentures (CDs): They are a type of debentures that can be converted into equity shares of the company.
- Non-convertible debentures (NCDs): They are defined as the type of debentures that cannot be converted into equity shares of the company.
What are NCDs?
- Some debentures have a feature of convertibility into shares after a certain point of time at the discretion of the owner.
- The debentures which can’t be converted into shares or equities are called non-convertible debentures (or NCDs).
- They are debt financial instruments that companies use to raise medium- to long-term capital.
Benefits offered by NCDs
- At a time when fixed deposit rates are in low single digits, these NCD offerings look lucrative.
- NCDs offer interest rates between 8.25–9.7%.
Risks posed
- Although NCDs are generally considered safe fixed-income instruments, some recent defaults have made investors cautious.
- NCDs can be either secured by the issuer company’s assets, or unsecured.
- Certain issuers, with credit rating below investment grade, had in the past issued both a secured NCD and another unsecured one through the same offer document, with different credit ratings.
- The risk is high in the case of unsecured NCDs, even though they offer high-interest rates.
- Credit rating of the issuer is a key factor to consider before investing in any NCD.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: Ambergris
Mains level: Not Much

The Crime Branch in Pune and seized 550 grams of ambergris, also known as ‘floating gold’.
What is Ambergris?
- Ambergris, which means gray amber in French, is a waxy substance that originates from the digestive system of the protected sperm whales.
- It is incorrectly referred to as ‘whale vomit’.
- It is produced in the gastrointestinal tract of some of the sperm whales for the passage of hard, sharp objects that are ingested when the whale eats large quantities of marine animals.
Why is it so expensive?
- Investigating agencies from across India who have seized ambergris in the recent past estimate its value to be somewhere between Rs 1 to 2 crores per kilogram, depending on the purity and quality.
- Being extremely rare contributes to its high demand and high price in the international market.
Its uses
- Traditionally, ambergris is used to produce perfumes that have notes of musk.
- While there are records of it being used to flavor food, alcoholic beverages and tobacco in some cultures in the past, it is rarely used for these purposes presently.
Legalities and recent cases of seizure in India
- While there is a ban on possession and trade of ambergris in countries like the USA, Australia and India, in several other countries it is a tradable commodity.
- In the Indian context, the sperm whales are a protected species under Schedule 2 of the Wildlife Protection Act, 1972 and possession or trade of any of its by-products, including Ambergris is illegal.
- It has been observed that the gangs smuggling the ambergris procure it from coastal areas and ship it to destination countries via some other countries with whom India has comparatively less stringent sea trade.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: Raigad Fort
Mains level: Not Much

President Ram Nath Kovind is commencing his visit to Maharashtra by visiting the Raigad Fort where he will pay tribute to Chhatrapati Shivaji Maharaj.
Where is Raigad fort located?
- Raigad is a hill fort situated about 25 km from Mahad in the Raigad district and stands 2,851 feet above sea level.
- The British Gazette states the fort was known to early Europeans as the Gibraltar of the East.
- Its decisive feature is a mile and a half flat top which has adequate room for buildings.
- In its prime, the fort had 300 stone houses and a garrison of 2,000 men.
When was it built?
- The fort, which was earlier called Rairi, was the seat of the Maratha clan Shirke in the 12th century.
- The fort changed hands a number of times from the dynasty of Bahaminis to the Nizamshahis and then the Adilshahis.
- In 1656, Chhatrapati Shivaji captured it from the More’s of Javli who were under the suzerainty of the Adilshahi Sultanate.
- The fort not only helped Shivaji challenge the supremacy of the Adilshahi dynasty but also opened up the routes towards Konkan for the extension of his power.
Significance of the fort in Shivaji’s life
- In 1662, Shivaji formally changed the fort’s name to Raigad and added a number of structures to it.
- By 1664, the fort had emerged as the seat of Shivaji’s government.
- As the Marathas under the leadership of Shivaji gained strength in their struggle against the Mughals, the announcement of a sovereign, independent state was made.
- On June 6, 1674, Shivaji was coronated at Raigad by Gagabhatt where he took on the title of Chhatrapati.
- Six years later, Shivaji passed away in Raigad in 1680 and has been cremated at the fort.
Importance of Raigad Fort in Maharashtra’s polity
- Chhatrapati Shivaji is the tallest and the most revered icon in Maharashtra and there is a constant attempt by political parties of all hues to appropriate his legacy.
- Due to the significance of Raigad in his life, many political leaders make it a point to visit the fort.
- Maharashtra has already announced a mid-sea memorial in the Arabian Sea for the Maratha warrior king.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: LCRD
Mains level: NA

NASA has launched its new Laser Communications Relay Demonstration (LCRD) — the agency’s first-ever laser communications system.
What is LCRD?
- LCRD involves laser communications – also called optical communications which uses infrared light to send information.
- LCRD is launched in a geosynchronous orbit, over 35,000km above Earth.
- LCRD has two optical terminals – one to receive data from a user spacecraft, and the other to transmit data to ground stations.
- The modems will translate the digital data into laser signals. This will then be transmitted via encoded beams of light.
Benefits offered by LCRD
- Currently, most NASA spacecraft use radio frequency communications to send data.
- Optical communications will help increase the bandwidth 10 to 100 times more than radio frequency systems.
- The LCRD will help the agency test optical communication in space.
Laser vs Radio
- Laser communications and radio waves use different wavelengths of light. It uses infrared light and has a shorter wavelength than radio waves.
- This will help the transmission of more data in a short time.
- Using infrared lasers, LCRD will send data to Earth at 1.2 gigabits-per-second (Gbps).
- It would take roughly nine weeks to transmit a completed map of Mars back to Earth with current radio frequency systems. With lasers, we can accelerate that to about nine days, says NASA.
Other advantages
Optical communications systems are smaller in size, weight, and require less power compared with radio instruments.
- A smaller size means more room for science instruments.
- Less weight means a less expensive launch.
- Less power means less drain on the spacecraft’s batteries.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: Snail Physella Acuta
Mains level: Not Much

A tiny snail with a striking, pellucid golden-yellow shell found in the Edappally canal in Kochi has been flagged as an invasive species that could play havoc with native ecosystems.
Snail Physella Acuta
- First described by J.P.R. Draparnaud in 1805, Physella acuta is considered native to North America but is now found in all continents except Antarctica.
- The snail was first reported in India in the early 1990s.
- It is believed to have reached Kerala through the aquarium trade, a major vector for invasive species.
- In Kerala, the snail had made its home in a highly polluted reach plagued by high sedimentation, untreated sewage, commercial effluents, construction wastes and a thick growth of invasive aquatic weeds.
Threats posed
- This snail plays host to worms that can cause food-borne diseases and skin itches in humans.
- Moreover, its rapid growth rate, air-breathing capability, and tolerance to pollution make it a potential competitor to native fauna.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: Hallmark Gold
Mains level: Not Much

The Government has made it mandatory for the introduction of a Hallmark Unique Identification (HUID) number in every piece of jewellery.
What is HUID?
- HUID is a six-digit alphanumeric code, or one that consists of numbers and letters. It is given to every piece of jewellery at the time of hallmarking and is unique for each piece.
- It is being implemented by the Bureau of Indian Standards (BIS) in a phased manner.
- Hallmarking & HUID are mandatory for 14-, 18- and 22-carat gold jewellery and artefacts.
- Before buying any piece of gold jewellery, the buyer should check all these three symbols.
Implementation of HUID
- Symbols: The hallmark consists of three symbols which give some information about the jewellery piece. The first symbol is the BIS logo; the second indicates purity and fineness; and the third symbol is the HUID.
- A&H centre: Jewellery is stamped with the unique number manually at the Assaying & Hallmarking centre.
Why is it being introduced?
- Authentication: HUID gives a distinct identity to each piece of jewellery enabling traceability.
- Credibility: It is critical to the credibility of hallmarking and to help address complaints against adulteration.
- Registration: In HUID-based hallmarking, registration of jewellers is an automatic process with no human interference.
- Prevents malpractice: It also helps check malpractice by members of the trade.
- Data privacy: It is a secure system and poses no risk to data privacy and security.
- Financial tracking: HUID provides traceability and financial tracking of purchases.
Issues with HUID
- Time-consuming: It is cumbersome to number each piece of jewellery
- Intricate jewellery: HUID cannot be engraved in tiny pieces.
- Unnecessary expense: Also it will increase cost for consumers.
- Infrastructural issues: there needs to be ample AH Centres.
What does this mean for the consumer?
- Consumer protection: Given that gold plays a big role in the lives of Indians, mandating gold hallmarking is aimed at protecting consumer interests.
- Assurance of quality: It provides ‘third-party assurance’ to consumers on the purity of gold jewellery.
Conclusion
- HUID concept is innovative, out-of-the-box thinking and more than makes up for stepping in late with mandatory hallmarking.
- It is the sort of global leadership India has and needs to show in gold-related reforms.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: Dhawan-1
Mains level: Space startups in India

Skyroot Aerospace successfully tested Dhawan-1 last month. It became the country’s first privately developed fully cryogenic rocket engine.
Dhawan-1
- The indigenous engine was developed using 3D printing with a superalloy.
- It runs on two high-performance rocket propellants — liquid natural gas (LNG) and liquid oxygen (LoX).
- This was after successfully designing and developing the solid propulsion rocket engine, the first private firm in the country to do so.
Other projects by Skyroot
- Skyroot is working simultaneously on different stages of both solid propulsion and liquid propulsion engines.
- It is named after eminent scientists, like Kalam (Abdul Kalam) series for the former and Dhawan (Satish Dhawan).
- The launch vehicles are named after Vikram Sarabhai.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: Konyak Tribe
Mains level: Not Much

An angry mob allegedly vandalized an Assam Rifles camp and the office of the Konyak Union in Nagaland’s Mon district.
Konyak Tribe
- With a population of roughly 3 lakh, the area inhabited by the Konyaks extends into Arunachal Pradesh, with a sizeable population in Myanmar as well.
- They are known to be one of the fiercest warrior tribes in Nagaland.
- The Konyaks were the last to give up the practice of head-hunting – severing heads of enemies after attacking rival tribes – as late as the 1980s.
Significance in Naga Peace Process
- Mon is the only district in Nagaland where the separatist group has not been able to set up base camps, largely due to resistance from the Konyaks.
- The Konyaks therefore, are imperative for a smooth resolution of the peace talks, as well as the post-talk peace process in the state.
Also read:
Naga Peace Accord
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: St. Francis Xaviers and his missions
Mains level: Not Much

The Prime Minister has greeted the people of Goa on the day of the Feast of St. Francis Xavier.
St. Francis Xavier (1506-1552)
- Francis Xavier venerated as Saint Francis Xavier, was a Catholic missionary and saint who was a co-founder of the Society of Jesus.
- He was born in Javier, Kingdom of Navarre (in present-day Spain), he was a companion of Ignatius of Loyola and one of the first seven Jesuits.
- He led an extensive mission into Asia, mainly in the Portuguese Empire of the time and was influential in evangelization work, most notably in India.
His works
- He has asked for a special minister to the king of Portugal whose sole office would be to further Christianity in Goa.
- He also was the first Christian missionary to venture into Japan, Borneo, the Maluku Islands, and other areas.
- In those areas, struggling to learn the local languages and in the face of opposition, he had less success than he had enjoyed in India.
- Xavier was about to extend his missionary preaching to China when he died on Shangchuan Island.
- Known as the “Apostle of the Indies” and “Apostle of Japan”, he is considered to be one of the greatest missionaries since Paul the Apostle.
Try this question from CSP 2021
Q. Consider the following statements:
- Francis Xavier was one of the founding members of the Jesuit Order.
- Francis Xavier died in Goa and a church is dedicated to him there.
- The Feast of St. Francis Xavier is celebrated in Goa each year.
Which of the statements given above are correct?
(a) 1 and 2 only
(b) 2 and 3 only
(c) 1 and 3 only
(d) 1, 2 and 3
Post your answers here.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: Paika Rebellion
Mains level: Peasants uprising in India
The 1817 Paika Rebellion of Odisha would be included as a case study in the Class 8 NCERT history textbook, informed the Union Culture Minister.
Who were the Paiks?
- The Paiks of Odisha were the traditional landed militia and enjoyed rent free land tenures for their military service and policing functions on a hereditary basis.
Paika Rebellion
- When the British started tinkering with the revenue system in 1803, the farming community of Odisha rose in rebellion.
- At that critical juncture, Bakshi Jagabandhu Bidyadhar — the military chief of the King of Khurda — led his army of Paikas forcing the British East India Company forces to retreat.
- The rebellion came to be known as Paika Bidroh (Paika rebellion).
When did it take place?
- The rebellion, by the landed militia of Khurda called Paiks, predates the first war of independence in 1857 but did not get similar recognition.
- It took place when the British East India Company wrested the rent-free land that had been given to the Paiks for their military service to the Kingdom of Khurda.
Try this PYQ from CSP 2020:
Q. With reference to the history of India, ‘ulgulan’ or the great tumult is the description of the which of the following?
(a) The revolt of 1857
(b) The Mappila rebellion of 1921
(c) The Indigo revolt of 1859-1860
(d) Birsa Munda’s revolt of 1899-1900
Post your answers here.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now

The James Webb Space Telescope, NASA’s largest space science telescope ever constructed, is scheduled to be sent into orbit in December.
James Webb Space Telescope (JWST)
- It is a space telescope being jointly developed by NASA, the European Space Agency (ESA), and the Canadian Space Agency (CSA).
- It has taken 30 years and $10bn to develop, and is being described as one of the grand scientific endeavors of the 21st Century.
What is the goal of this telescope?
- The telescope will be able to see just about anything in the sky.
- However, it has one overriding objective – to see the light coming from the very first stars to shine in the Universe.
- These pioneer stars are thought to have switched on about 100-200 million years after the Big Bang, or a little over 13.5 billion years ago.
- Webb will be picking out groupings of these stars.
- They are so far away their light – even though it moves at 300,000km per second – will have taken billions of years to travel the cosmos.
JWST mirror

- One of the most important objects it will carry is a large mirror which will help collect light from the objects being observed.
- The primary mirror is made of 18 hexagonal-shaped mirror segments — each 1.32 metre in diameter — stitched together in a honeycomb pattern.
- The primary mirror is a technological marvel.
- The lightweight mirrors, coatings, actuators and mechanisms, electronics, and thermal blankets when fully deployed form a single precise mirror that is truly remarkable.
- Each mirror segment weighs approximately 20 kilograms and is made from beryllium.
Why beryllium?
- NASA explains that beryllium was used as it is both strong and light.
- Beryllium is very strong for its weight and is good at holding its shape across a range of temperatures. Beryllium is a good conductor of electricity and heat and is not magnetic.
- Because it is light and strong, beryllium is often used to build parts for supersonic airplanes and the Space Shuttle.
- It added that special care was taken when working with beryllium because it is unhealthy to breathe in or swallow beryllium dust.
So, it does not have gold?
- After the beryllium mirror segments were polished a thin coating of gold was applied to it. Gold helps improve the mirror’s reflection of infrared light.
- The gold was coated using a technique called vacuum vapour deposition.
- The mirrors are kept inside a vacuum chamber and a small quantity of gold is vapourised and deposited on the mirror.
- The thickness of the gold is just 100 nanometers. So less than 50 grams of gold was used for the entire mirror.
- A thin layer of glass was also deposited on top of the gold layer to protect it from scratches.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: PAT Scheme
Mains level: Schemes for emission control
A recent report by the Centre for Science and Environment (CSE) has attributed the inefficiency of the PAT scheme to non-transparency, loose targets and overlooked deadlines.
PAT Scheme
- Perform Achieve and Trade (PAT) scheme is a flagship program of Bureau of Energy Efficiency under the National Mission for Enhanced Energy Efficiency (NMEEE).
- NMEEE is one of the eight national missions under the National Action Plan on Climate Change (NAPCC) launched by the Government of India in the year 2008
Working of the scheme
- PAT is a market-based compliance mechanism to accelerate improvements in energy efficiency in energy-intensive industries.
- The energy savings achieved by notified industries is converted into tradable instruments called Energy Saving Certificates (ESCerts).
- The ESCerts after issuance by the Bureau of Energy Efficiency are traded at Power Exchanges.
What is PAT cycle?
- The government shortlists industries and restricts the amount of energy they can consume and defines a time limit of three years by when this restriction should be met as part of PAT.
- These three years of time are called one PAT cycle.
- The industries are chosen after in-depth, sector-wise analysis by the government.
- Industries that participate in this scheme are called designated consumers (DC).
- Those that overachieve their targets are issued energy savings certificates (ESCerts) that can be traded with industries that have not achieved their targets.
- Non-achievers have to buy the ESCerts after the three years for compliance.
Various PAT cycles
- PAT covered about 13 energy-intensive sectors
- Sectors included are thermal power plants (TPP), cement, aluminium, iron and steel, pulp and paper, fertilizer, chlor-alkali, petroleum refineries, petrochemicals, distribution companies, railways, textile and commercial buildings (hotels and airports)
- Announcements for six cycles since 2012 have been made so far
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: [pib] Scheme for Protection and Preservation of Endangered Languages of India (SPPEL)
Mains level: Not Much
The Government of India has initiated a Scheme known as “Scheme for Protection and Preservation of Endangered Languages of India” (SPPEL) informed the Minister of Culture and Tourism.
About SPPEL
- The Scheme was instituted by Ministry of Human Resource Development in 2013.
- The sole objective of the Scheme is to document and archive the country’s languages that have become endangered or likely to be endangered in the near future.
- The scheme is monitored by the Central Institute of Indian Languages (CIIL) located in Mysuru, Karnataka.
- The CIIL has collaborated with various universities and institutes across India for this mission.
- University Grants Commission (UGC) is also providing financial assistance for the creation of centres for endangered languages at Central and State Universities.
What are Endangered Languages?
- At the moment, the languages which are spoken by less than 10,000 speakers or languages that are not been linguistically studied earlier are considered endangered language.
Present status of the scheme
- Presently, 117 languages have been listed for the documentation.
- Documentation in the form of grammar, dictionary and ethno-linguistic profiles of about 500 lesser known languages are estimated to be accomplished in the coming years.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now
Note4Students
From UPSC perspective, the following things are important :
Prelims level: 5G technology
Mains level: Useful data about 5G in India
India 5G subscriptions are set to reach 500 mn by 2027, said Ericsson in its report.
Ericsson Mobility Report
- The report has added that the total number of smartphone subscriptions is expected to be 810 million at the end of 2021.
- It is projected to grow at a compounded annual growth rate of 7%, exceeding 1.2 billion by 2027.
5G penetration in India
- 5G telecom services are likely to account for 39% of mobile subscriptions or about 500 million subscriptions in India at the end of 2027.
- 4G is expected to remain the dominant technology in India in 2027.
- 4G subscriptions are expected to reduce from 68% of mobile subscriptions in 2021 to 55% in 2027 as subscribers migrate to 5G.
- However, 4G subscriptions are forecast to drop from 790 million in 2021 to 710 million in 2027, showing an annual average decline of 2%.
Back2Basics: 5G Technology
- 5G or fifth generation is the latest upgrade in the long-term evolution (LTE) mobile broadband networks.
- It mainly works in 3 bands, namely low, mid and high-frequency spectrum — all of which have their own uses as well as limitations.
Three bands of 5G
- The low band spectrum has shown great promise in terms of coverage and speed of internet and data exchange, the maximum speed is limited to 100 Mbps (Megabits per second).
- This means that while telcos can use and install it for commercial cellphones users who may not have specific demands for very high-speed internet, the low band spectrum may not be optimal for specialised needs of the industry.
- The mid-band spectrum, on the other hand, offers higher speeds compared to the low band but has limitations in terms of coverage area and penetration of signals.
- Telcos and companies, which have taken the lead on 5G, have indicated that this band may be used by industries and specialized factory units for building captive networks that can be molded into the needs of that particular industry.
- The high-band spectrum offers the highest speed of all the three bands, but has extremely limited coverage and signal penetration strength.
- Internet speeds in the high-band spectrum of 5G have been tested to be as high as 20 Gbps (gigabits per second), while, in most cases, the maximum internet data speed in 4G has been recorded at 1 Gbps.
UPSC 2022 countdown has begun! Get your personal guidance plan now! (Click here)
Get an IAS/IPS ranker as your 1: 1 personal mentor for UPSC 2024
Attend Now