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Type: Prelims Only

  • Defence Sector – DPP, Missions, Schemes, Security Forces, etc.

    What is Project Akashteer?

    Prelims Only | Science Tech | Mains Paper 3: Indigenization Of Technology

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: Project Akashteer

    Mains level: NA

    Why in the news?

    • The Indian Army’s Corps of Army Air Defense has initiated the induction of control and reporting systems under ‘Project Akashteer’ to bolster its air defense capabilities.

    About Project Akashteer

    • The Akashteer Project is an initiative designed to automate air defence control and reporting processes by digitising the entire process.
    • It is developed by Bharat Electronics Limited (BEL) as part of the ‘Atmanirbhar Bharat’ initiative.
    • It seeks to induct Akashteer Command and Control Systems
    • By integrating radar and communication systems at all levels into a unified network, ‘Akashteer’ aims to deliver an unprecedented level of situational awareness and control.
    • This will enable swift engagement of hostile targets, significantly reduce the risk of fratricide, and ensure the safety of friendly aircraft in contested airspace.

    How it will help India’s air defence system?

    The ‘Akashteer Command and Control Systems’ will significantly enhance India’s air defense capabilities in several ways:

    1. Efficiency and Integration: Digitizing Air Defence Control and Reporting processes with ‘Akashteer’ will improve efficiency and integration. This enables the Indian Army to respond swiftly to hostile threats while reducing the risk of friendly fire incidents.
    2. Situational Awareness: ‘Akashteer’ integrates radar and communication systems into a unified network, providing the Indian Army with better situational awareness. This enables them to detect and engage hostile targets more effectively, ensuring the safety of friendly aircraft in contested airspace.
    3. Mobility and Resilience: The system’s vehicle-based and mobile Control Centers are designed for operational capabilities even in challenging communication environments. This ensures that the Indian Army can operate effectively in diverse terrain and adverse conditions.
    4. Automation: Deployment of ‘Akashteer’ represents a move towards complete automation of air defense operations. This enhances the Indian Army’s ability to defend its airspace, ensuring a safer and more secure future for the country.

    PYQ:

    [2018] What is “Terminal High Altitude Area Defense (THAAD)”, sometimes seen in the news?

    (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

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  • RBI Notifications

    RBI to launch Mobile App for Retail Direct scheme

    Prelims OnlySchemes | Economics | Mains Paper 3: Indian Economy

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: Retail Direct Scheme

    Mains level: NA

    Why in the news?

    The RBI has decided to introduce a Mobile App of its RBI Retail Direct scheme aimed at facilitating seamless investment in government securities by retail investors.

    What is Retail Direct Scheme?

    • Retail Direct Scheme was rolled out in November 2021, giving access to individual investors to maintain gilt accounts with RBI and invest in government securities.
    • Using this app, investors can buy central and state government bonds as well as Treasury bills.
    • It enables investors to buy securities in primary auctions as well as buy/sell securities through the Negotiated Dealing System-Order Matching system (NDS-OM) platform.
    • A Gilt Account can be compared with a bank account, except that the account is debited or credited with treasury bills or government securities instead of money.

    Treasury Bills:

    • They are promissory notes issued by the RBI on behalf of the government as a short term liability and sold to banks and to the public.
    • The maturity period ranges from 14 to 364 days.
    • They are the negotiable instruments, i.e. they are freely transferable.
    • No interest is paid on such bills but they are issued at a discount on their face value.

     How does it work?

    • Under the scheme, small investors can buy or sell government securities (G-Secs), or bonds, directly without an intermediary like a mutual fund.
    • However, the same tax rules apply to income from G-Secs.
    • The minimum amount for a bid is ₹10,000 and in multiples of ₹10,000 thereafter.
    • Payments may be made through Net banking or the UPI

    Benefits of RDS

    • With the government being the borrower, there is a sovereign guarantee for the funds and hence zero risk of default.
    • Also, government securities may offer better interest rates than bank fixed deposits, depending on prevailing interest rate trends.

    How can individuals access G-Sec offerings?

    • Investors wishing to open a Retail Direct Gilt account directly with the RBI can do so through an online portal set up for the purpose of the scheme.
    • Once the account is activated with the aid of a password sent to the user’s mobile phone, investors will be permitted to buy securities either in the primary market or in the secondary market.

    PYQ:

    [2018] Consider the following statements:

    1. The Reserve Bank of India manages and services Government of India Securities but not any State Government Securities.

    2. Treasury bills are issued by the Government of India and there are no treasury bills issued by the State Governments.

    3. Treasury bills offer are issued at a discount from the par value.

    Which of the statements given above is/are correct?

    (a) 1 and 2 only

    (b) 3 only

    (c) 2 and 3 only

    (d) 1, 2 and 3

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  • Historical and Archaeological Findings in News

    Rakhigarhi findings to be mentioned in NCERT books

    Prelims Only | History | Mains Paper 1: Arts & Culture

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: DNA Findings of Rakhigarhi, IVC

    Mains level: NA

    Why in the news?

    The National Council of Educational Research and Training (NCERT) has proposed to add information about the DNA analysis of skeletal remains found at Rakhigarhi.

    DNA Findings of Rakhigarhi

    Their key findings include-

    • Debunking of the Aryan Invasion Theory.
    • The genetic roots of the Harappans date back to 10,000 BCE.
    • DNA of the Harappans has continued to exist among the majority of the South Asian population.
    • The study indicates genetic continuity without large-scale immigration.
    • Ancestry was closely linked to Iranian ancestry and not at all to Steppe ancestry.
    • Farming skills have been developed indigenously contrary to prevalent theories that these came with migrants from the Steppes and Anatolian farmers.

    About Rakhigarhi

    • The ancient site of Rakhi-Khas and Rakhi-Shahpur are collectively known as Rakhigarhi, located on the right bank of the now dried up Palaeo-channel of Drishadvati.
    • It is located in the Ghaggar-Hakra River plain in the Hissar district of Haryana.
    • Total seven mounds are located here.
    • The site has yielded various stages of Harappan culture and is by far one of the largest Harappan sites in India.
    • The site shows the sequential development of the Indus culture in the now dried-up Saraswati basin.

    Major findings at Rakhigarhi

    • Findings confirm both early and mature Harappan phases and include 4,600-year-old human skeletons, fortification and bricks.
    • Digging so far reveals a well-planned city with 92 m wide roads, a bit wider than in Kalibangan.
    • The pottery is similar to Kalibangan and Banawali.
    • Pits surrounded by walls have been found, which are thought to be for sacrificial or some religious ceremonies.
    • There are brick-lined drains to handle sewage from the houses.
    • Terracotta statues, weights, bronze artefacts, comb, copper fish hooks, needles and terracotta seals have also been found.
    • A bronze vessel has been found which is decorated with gold and silver.
    • A granary belonging to the mature Harappan phase has been found here.
    • Fire altars structures were revealed in Rakhigarhi.

    PYQ:

    [2021] Which one of the following ancient towns is well-known for its elaborate system of water harvesting and management by building a series of dams and channelizing water into connected reservoirs?​

    (a) Dholavira

    (b) Kalibangan

    (c) Rakhigarhi

    (d) Ropar

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  • Global Geological And Climatic Events

    In news: Ramapo Fault

    Prelims Only | Enviro & Biodiversity | Mains Paper 1: Geographical Features & Their Location

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: Ramapo Fault, Appalachian Mountains

    Mains level: NA

    Why in the news?

    • An earthquake of magnitude 4.8 hit the New York City in a rare event.
    • The Ramapo Fault in Appalachian Mountains near New Jersey is a being considered as a reason behind this earthquake.

    Appalachian Mountains

    • The Appalachian Mountains extend from the Canadian province of Newfoundland and Labrador in the north to central Alabama in the southern US.
    • The total length of the Appalachian Mountain range is approximately 2,200 miles (3,500 kilometers), making it one of the longest mountain chains in the world.
    • Geologically, it is one of the oldest mountain ranges on Earth, formed over 480 million years ago during the Ordovician Period. They are considered a Paleozoic mountain range.
    • They were formed through a series of tectonic collisions and uplift events, including the assembly of the supercontinent Pangaea.
    • The highest peak in the range is Mount Mitchell in North Carolina, standing at an elevation of 6,684 feet (2,037 meters) above sea level.
    • The Appalachian Mountains hold cultural significance for various indigenous tribes, including the Cherokee, as well as early European settlers who established communities in the region.

    About Ramapo Fault

    • Fault lines are fractures in the Earth’s crust that facilitate movement of tectonic plates, triggering earthquakes.
    • The Ramapo Fault is resulted from tectonic activity associated with the breakup of the supercontinent Pangaea during the Mesozoic Era.
    • It is primarily a right-lateral strike-slip fault, formed by horizontal movement along the fault line due to the ongoing motion between the North American and Eurasian plates.
    • While the Ramapo Fault is not as seismically active as faults in other regions, it has experienced earthquakes in the past and remains a potential source of seismic hazards.

    Geographical Distribution:

    • The fault extends across three states in the northeastern United States: Pennsylvania, New Jersey, and New York.
    • The fault crosses various topographic features, including rift valleys, hills, and ridges, reflecting the diverse geological history of the region.
    • It intersects with the Appalachian Mountains, influencing the overall topography of the surrounding areas.

    PYQ:

    [2012] When you travel in Himalayas, you will see the following:

    1.    Deep gorges

    2.    U-turn river courses

    3.    Parallel mountain ranges

    4.    Steep gradients causing land-sliding

    Which of the above can be said to be the evidences for Himalayas being young fold mountains?

    (a) 1 and 2 only

    (b) 1, 2 and 4 only

    (c) 3 and 4 only

    (d) 1, 2, 3 and 4

     

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  • Nobel and other Prizes

    [pib] 15th CIDC Vishwakarma Awards 2024

    Prelims Only | Economics | Mains Paper 3: Indian Economy

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: CIDC Vishwakarma Awards , CSR

    Mains level: NA

    Why in the news?

    SJVN Limited has won two prestigious awards at the 15th Construction Industry Development Council (CIDC) Vishwakarma Awards 2024, for their Corporate Social Responsibility (CSR) initiatives.

    About CIDC Vishwakarma Awards

    • The CIDC Vishwakarma Awards is one of the most esteemed recognitions within the construction sector.
    • It was launched in the year 2005.
    • The awards are named after Vishwakarma, the divine architect and engineer in Hindu mythology, symbolizing craftsmanship, creativity, and skill in construction.

    Key details about the Award

    • Organizer: The awards are organized by the Construction Industry Development Council (CIDC), which is a body established by the GoI to promote the construction industry’s development and growth.
    • Categories: The awards cover a wide spectrum of categories, including:
      1. Construction Projects: Recognizing outstanding projects across different sectors such as residential, commercial, infrastructure, and industrial construction.
      2. Construction Technologies: Honoring innovative technologies and techniques that enhance construction processes, efficiency, and sustainability.
      3. Construction Equipment: Acknowledging advancements in construction machinery, tools, and equipment.
      4. Health, Safety, and Environment: Recognizing initiatives and practices that prioritize worker safety, environmental protection, and sustainability in construction.
      5. Individual Achievements: Celebrating the contributions of professionals and leaders who have made significant impacts in the construction industry.
      6. Others: Additional categories may include awards for sustainability, CSR initiatives, and emerging trends in construction.

    PYQ:

    [2020] In rural road construction the use of which of the following is preferred for ensuring environmental sustainability or to reduce carbon footprint?

    1.    Copper slag

    2.    Cold mix asphalt technology

    3.    Geotextiles

    4.    Hot mix asphalt technology

    5.    Portland cement

    Select the correct answer using the code given below:

    (a) 1, 2 and 3 only

    (b) 2, 3 and 4 only

    (c) 4 and 5 only

    (d) 1 and 5 only

    Back2Basics: Corporate Social Responsibility (CSR)

    Description
    What is it? Self-regulating business model for social and environmental impact.
    Regulation in India Mandated under Companies Act, 2013 (amendment in 2014).
    Investment Areas Promote rural development, healthcare, education, environment, etc.
    CSR Committee Mandatory for companies meeting Rs 500 Cr net worth or Rs 1000 Cr turnover criteria.
    Spending Requirement At least 2% of average net profits of the last three financial years.
    Applicability Criteria Net worth >= Rs 500 Cr, Turnover >= Rs 1000 Cr, or Net profit >= Rs 5 Cr.
    Adjustment for New Cos. Use average net profits of preceding years to calculate spending.
    Applicability Period Applies before the completion of three financial years for companies.

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  • Banking Sector Reforms

    What is Basel III Endgame?

    Prelims Only | Economics | Mains Paper 3: Mobilization Of Resources

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: Basel Norms, Endgame

    Mains level: NA

    Why in the news?

    The US Federal Reserve recently announced stricter bank capital requirements known as the “Basel III endgame” proposal.

    What is Bank Capital?

    • Bank capital is a measure of bank shareholders’ investment in the business.
    • In contrast to deposits or money a bank has borrowed, capital does not have to be paid back.
    • In other words, it is a cushion or buffer that protects a bank from insolvency—and, thus, reduces the risk that a bank failure triggers system-wide financial instability.
    • A bank that has sufficient capital can cover customers’ deposits even if the loans it has made aren’t repaid or if its investments drop in value.

    What are Basel Norms?

    • Basel, Switzerland, hosts the Bureau of International Settlement (BIS), fostering collaboration among central banks to establish global banking standards.
    • The Basel Committee on Banking Supervision (BCBS), established in 1974 formulates broad supervisory guidelines known as the Basel framework.
    • Its purpose is to ensure banks maintain adequate capital to meet obligations and absorb losses.
    • India has adopted Basel standards to align its banking practices with global norms.
    Description
    Basel I
    • Introduced in 1988.
    • Known as the Basel Capital Accord.
    • Focused on credit risk.
    • Set a minimum capital requirement of 8% of risk-weighted assets (RWA).
    • Assets were assigned risk weights based on their risk profile.
    • Adopted by India in 1999.
    Basel II
    • Published in June 2004.
    • Aimed to refine and reform Basel I.
    • Introduced three pillars:
    1. Capital Adequacy Requirements
    2. Supervisory Review
    3. Market Discipline
    • Increased focus on risk management and disclosure.
    • Yet to be fully implemented in India and abroad.
    Basel III
    • Released in 2010 after the 2008 financial crisis.
    • Aimed to strengthen the banking system.
    • Made banking activities more capital-intensive.
    • Focus on four key parameters:
    1. Capital
    2. Leverage
    3. Funding
    4. Liquidity
    • Designed to promote a more resilient banking system.
    *Basel IV

     
    • In 2017, the Basel Committee agreed on changes to the global capital requirements as part of finalising Basel III.
    • The changes are so comprehensive that they are increasingly seen as an entirely new framework, commonly referred to as “Basel IV”.
    • Set to take effect under transition rules from 2025.*

     

    Proposed Changes under Basel III Endgame

    • Expansion of Scope: The proposal aims to extend the strictest risk-based capital approach to more banks, lowering the asset threshold from $700 billion to $100 billion. This would encompass around 37 large banks in the U.S.
    • Standardized Measure for Capital Requirements: Regulators propose curtailing banks’ use of internal models to calculate capital requirements for loans, advocating for a standardized measure for all banks to ensure uniform risk assessment.
    • Increased Capital for Trading and Operational Risks: The proposal mandates higher capital reserves for risks linked to trading activities and operational challenges, requiring banks to utilize standard models for risk assessment instead of internal ones.
    • Changes to Capital Calculations for Portfolios: Banks with assets exceeding $100 billion must reflect gains and losses in portfolios categorized as “available for sale” in their capital calculations, aiming for a more precise depiction of a bank’s risk exposure.

    Challenges created by the new Norms

    • Operational Risks: A substantial portion of the proposed capital increment targets banks’ operational risks, encompassing potential losses arising from internal processes, people, systems, or external events.
    • Non-Traditional Banking Activities: Entities engaged in trading, market-making, wealth management, and investment banking, will face more pronounced capital requirements due to altered risk assessment and operational risk calculations.
    • Industry-specific Concerns: Additionally, specific industries, like renewable energy, anticipate repercussions, fearing that increased capital requirements could undermine the effectiveness of tax incentives for projects targeting climate change.

    Arguments in Favor of Increasing Capital

    • Financial Stability: Proponents argue that heightened capital requirements are imperative for safeguarding financial stability, averting bank failures, and minimizing the need for government bailouts.
    • Prudent Banking Practices: They contend that current standards inadequately address bank risks and that increased capital incentivizes prudent banking practices.
    • Resilient Banking System: Economists suggests that the social costs of higher capital requirements are minimal compared to the benefits of a more resilient financial system.

    PYQ:

    2015:

    ‘Basel III Accord’ or simply ‘Basel III’, often seen in the news, seeks to:

    (a) Develop national strategies for the conservation and sustainable use of biological diversity

    (b) Improve banking sector’s ability to deal with financial and economic stress and improve risk management

    (c) Reduce the greenhouse gas emissions but places a heavier burden on developed countries

    (d) Transfer technology from developed countries to poor countries to enable them to replace the use of chlorofluorocarbons in refrigeration with harmless chemicals

     

    Practice MCQ:

    What is the primary objective of “Basel III Endgame” in the banking sector?

    (a) To encourage speculative investments by banks to boost short-term profits.

    (b) To ensure the stability of the global financial system by strengthening the regulation, supervision, and risk management practices of banks.

    (c) To encourage banks to invest more in less-risky assets to stimulate economic growth.

    (d) To limit the role of central banks in regulating commercial banks and promote market-driven banking practices.

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  • Innovations in Biotechnology and Medical Sciences

    NexCAR19: India’s First Indigenous CAR T- Cell Therapy for Cancer

    Prelims Only | Science Tech | Mains Paper 3: Indigenization Of Technology

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: CAR-T Cell Therapy, NexCAR19

    Mains level: NA

    Why in the news?

    • President Droupadi Murmu has unveiled ‘NexCAR19’ India’s first indigenously-developed CAR T-cell therapy for cancer treatment.

    What is CAR-T Cell Therapy?

    What is it?
    • CAR-T cell therapy stands for Chimeric Antigen Receptor T cell therapy.
    • It is a type of cancer immunotherapy that uses the patient’s own T cells, genetically modified in a laboratory to enhance their ability to locate and destroy cancer cells.
    How does it work?
    • T cells are white blood cells responsible for identifying and fighting illness and infection.
    • Each T cell has a receptor that can recognize antigens (proteins or molecules recognized by the immune system).
    • Cancer cells may have antigens that the immune system does not recognize as abnormal, allowing cancer to evade the immune response.
    • CAR-T cells are genetically engineered in the lab to express a new receptor that can bind to cancer cells and effectively kill them.
    Therapy Process The process involves several steps, including:

    1. Collecting T Cells: Blood is drawn from the patient’s arm, and T cells are separated from the blood using an apheresis machine.

    2. Engineering T Cells: In a laboratory, the T cells are modified by adding a manufactured CAR, and they are allowed to multiply and grow.

    3. Infusing CAR-T Cells: Once enough CAR-T cells are prepared, they are injected back into the patient’s arm.

    • Chemotherapy may be recommended before CAR-T cell infusion to enhance treatment effectiveness.
    • The process can take place in an outpatient infusion center or a hospital setting.
    Cancers Treated
    • CAR-T cell therapy is effective against certain types of cancer, especially when other treatments are ineffective.
    • It is currently FDA-approved for treating haematological malignancies, including leukemia, lymphoma, and multiple myeloma.

     

    NexCAR19: India’s Indigenously Developed CAR-T Therapy

    • NexCAR19 is designed to target cancer cells carrying the CD19 protein, a marker on cancer cells, enhancing precision in treatment.
    • It has been developed jointly by IIT Bombay and the Tata Memorial Centre.
    • Initially approved for patients aged 15 and above with B-cell lymphomas who did not respond to standard treatments, leading to relapse or recurrence.

    Effectiveness and Unique Features

    • Approximately 70% of patients respond to NexCAR19 treatment, with some achieving complete remission.
    • Lab and animal studies indicate lower drug-related toxicities, including reduced neurotoxicity and Cytokine Release Syndrome (CRS).
    • Trials for paediatric patients are underway at Tata Memorial Hospital, ensuring broader applicability.

    Availability and Affordability

    • ImmunoACT is in the process of securing licenses and partnering with hospitals, including Tata Memorial, Nanavati, Fortis, and Jaslok, across multiple cities.
    • Initially priced at Rs 30-40 lakh, ImmunoACT aims to eventually reduce the cost to Rs 10-20 lakh, making the therapy more accessible.

    PYQ:

    2017:

    Stem cell therapy is gaining popularity in India to treat a wide variety of medical conditions including leukaemia, Thalassemia, damaged cornea and several burns. Describe briefly what stem cell therapy is and what advantages it has over other treatments?

     

    Practice MCQ:

    With reference to the CAR-T Cell Therapy, consider the following statements:

    1.    T cells are Red Blood Cells responsible for identifying and fighting illness and infection.

    2.    Each T cell has a receptor that can recognize antigens (proteins or molecules recognized by the immune system).

    Which of the given statements is/are correct?

    (a) Only 1

    (b) Only 2

    (c) Both 1 and 2

    (d) Neither 1 nor 2

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  • Forest Conservation Efforts – NFP, Western Ghats, etc.

    Indian Laurel Tree (Terminalia tomentosa)

    Prelims Only | Enviro & Biodiversity | Mains Paper 3: Conservation, Environmental Pollution & Degradation, Eia

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: Konda Reddi Tribe, Indian Laurel Tree , PVTGs, Papikonda NP

    Mains level: NA

    Why in the news?

    • Forest Department officials’ examination of an Indian laurel tree (Terminalia tomentosa) in Papikonda National Park has showcased its remarkable water storage capability.
    • This discovery sheds light on the indigenous knowledge shared by the Konda Reddi tribe regarding the tree’s unique attributes.

    Konda Reddi Tribe

     

    • The Konda Reddis are a Particularly Vulnerable Tribal Group (PVTG) residing in the Godavari riverbanks and the hilly forest areas of Godavari and Khammam districts in Andhra Pradesh.
    • The family structure is patriarchal and patrilocal, with monogamy as the norm with some exceptions.
    • The Konda Reddis are primarily Hindus with folk customs, which involves local traditions and worship of community-level deities.
    • They have their own social control institution called ‘Kula Panchayat’.
    • Each village has a traditional headman known as ‘Pedda Kapu’, whose role is hereditary.
    • Their primary occupation is shifting cultivation, relying on forest flora and fauna for sustenance.
    • Jowar cultivation is prevalent, serving as their staple food.
    • They collect and sell non-timber forest products like tamarind, adda leaves, myrobolan, and broomsticks to supplement their income.

     

    About Papikonda NP

     

    • Papikonda NP is located in the East Godavari and West Godavari districts of Andhra Pradesh.
    • It was established as a national park in the year 2008.
    • It is characterized by hilly landscapes, dense moist deciduous forest.
    • The presence of the Godavari River cuts through the Papikonda hill range of Eastern Ghats.

     

    About Indian Laurel Tree

    Description
    Scientific Name Terminalia tomentosa
    Common Names Indian Laurel Tree, Crocodile Bark Tree, Anjan Tree
    Habitat Found in Deciduous forests
    Bark Scissored and cracked bark, resembling crocodile skin (From November to February)
    Water Storage Ability Only 5-10% of trees observed to store water in the stem
    Water Storage Mechanism Development of lateral ridge, known as a wing, on trunk, indicating water presence
    Water Collection 4-6 litres of potable water can be collected from a fully grown tree by making a small hole in the wing
    Traditional Use Used by tribal communities, such as the Konda Reddi Tribe, as a water source during dry seasons
    Adaptability Thrives in various conditions, including harsh weather and drought

     

    PYQ:

    2015:

    In India, in which one of the following types of forests is teak a dominant tree species?

    (a) Tropical moist deciduous forest

    (b) Tropical rain forest

    (c) Tropical thorn scrub forest

    (d) Temperate forest with grasslands

     

    Practice MCQ:

    The Indian Laurel Tree (Terminalia tomentosa) recently seen in news is famous for its:

    (a) Ability to store water in its trunk

    (b) Therapeutic use in the treatment of Cancer

    (c) Aromatic Timber

    (d) Pulp for paper industry

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  • Health Sector – UHC, National Health Policy, Family Planning, Health Insurance, etc.

    [pib] Ayushman Bharat Health Accounts (ABHA)

    Prelims Only | Indian Society | Mains Paper 2: Government Scheme/Policies

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: Ayushman Bharat Health Accounts (ABHA), AB-PMJAY

    Mains level: NA

    Why in the news?

    This newscard is an excerpt from an explainer published in the PIB.

    Ayushman Bharat Health Accounts (ABHA)

    • ABHA, an integral part of the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY), serves as a link for all health records of an individual.
    • It is a sub-component of the Ayushman Bharat Digital Mission launched in September 2021.
    • It is a 14-digit id employed to uniquely identify individuals, verify their identity, and connect their health records (with their consent) across various systems and stakeholders.

    Features of ABHA

    • Cashless Transactions: ABHA enables cashless transactions for eligible beneficiaries, reducing the financial burden during medical emergencies.
    • Electronic Health Records (EHR): It integrates electronic health records, facilitating storage, and retrieval of patient information for streamlined healthcare delivery.
    • Portability: ABHA accounts are portable across various healthcare providers under the Ayushman Bharat scheme, ensuring seamless access to services.
    • Real-time Monitoring: Incorporating real-time monitoring mechanisms to track fund utilization, ABHA ensures efficient allocation and prevents misuse.

    Various Components

    • Beneficiary Identification: ABHA involves the identification and registration of eligible beneficiaries under the Ayushman Bharat scheme, assigning a unique health identification number (UHID).
    • Funds Management: It manages the allocation and disbursement of funds for healthcare services, ensuring prompt and secure transfers.
    • Claim Settlement: ABHA processes and settles claims submitted by healthcare providers, verifying authenticity, and disbursing payments.
    • Audit and Oversight: Incorporating audit mechanisms to monitor fund utilization, ABHA ensures compliance with regulations and maintains system integrity.

    Back2Basics: Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY)

    Details
    Umbrella Scheme
    1. Ayushman Bharat
    2. Incepted in National Health Policy 2017, to achieve the vision of Universal Health Coverage (UHC)
    Launch Year 2018
    Components
    1. Health and Wellness Centres (HWCs)
    2. Pradhan Mantri Jan Arogya Yojana (PM-JAY)
    Pradhan Mantri Jan Arogya Yojana (PM-JAY)
    • Offers a sum insured of Rs. 5 lakh per family for secondary and tertiary care
    • Provides cashless and paperless access to services at any empanelled hospital across India
    • Portable scheme, allowing beneficiaries to avail treatment at any PM-JAY empanelled hospital
    Coverage
    • 3 days pre-hospitalisation and 15 days post-hospitalisation
    • Includes diagnostic care and expenses on medicines
    • No restriction on family size, age, or gender
    • Covers all pre-existing conditions from day one
    Beneficiaries Identified through Socio-Economic Caste Census (SECC) data
    Funding
    • Shared funding: 60:40 for states and UTs with legislature, 90:10 in Northeast states and J&K,
    • Himachal Pradesh, and Uttarakhand, 100% central funding for UTs without legislature
    Nodal Agency National Health Authority (NHA)

    • Autonomous entity under the Society Registration Act, 1860
    • Responsible for effective implementation of PM-JAY in alliance with state governments

    State Health Agency (SHA)

    • Apex body of the State Government responsible for the implementation of AB PM-JAY in the State

     

    PYQ:

    2021:

    “Besides being a moral imperative of a Welfare State, primary health structure is a necessary precondition for sustainable development.” Analyse.

     

    Practice MCQ:

    Consider the following statements about the Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY):

    1.    3 days pre-hospitalisation and 15 days post-hospitalisation.

    2.    Includes diagnostic care and expenses on medicines.

    3.    No restriction on family size, age, or gender.

    4.    Beneficiaries are identified from national family health survey.

    How many of the above discussed features is/are correct?

    (a) One

    (b) Two

    (c) Three

    (d) Four

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  • RBI Notifications

    Digital India Trust Agency (DIGITA) to check Illegal Lending Apps

    Prelims Only | Economics | Mains Paper 3: Indian Economy

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: Digital India Trust Agency (DIGITA)

    Mains level: NA

    Why in the news?

    To address the rising threat of cyber fraud, the Reserve Bank of India (RBI) is planning to establish a Digital India Trust Agency (DIGITA).

    About Digital India Trust Agency (DIGITA)

    DIGITA aims to tackle the proliferation of illegal lending apps by verifying and maintaining a register of authenticated digital lending platforms.

    Role of DIGITA:

    1. Public Register: It will maintain a public register of verified apps, providing transparency and aiding law enforcement agencies in identifying unauthorised platforms.
    2. Verification Hub: It will serve as a central agency for vetting digital lending apps, ensuring their authenticity and compliance with regulations.

    Regulatory Implications

    • Apps lacking the ‘verified’ signature from DIGITA will be deemed unauthorized, enhancing law enforcement efforts against financial crimes in the digital domain.
    • Verification processes will promote transparency and accountability within the digital lending sector, curbing fraudulent activities.

    Progress made so far

    • The RBI has shared a list of 442 digital lending apps with the IT Ministry for whitelisting with Google.
    • Google has removed over 2,200 digital lending apps from its PlayStore, aligning with RBI and DFS directives to only allow apps from regulated entities or their partners.

    PYQ:

    2016:

    Regarding ‘DigiLocker’, sometimes seen in the news, which of the following statements is/are correct?

    1. It is a digital locker system offered by the Government under Digital India Programme.

    2. It allows you to access your e-documents irrespective of your physical location.

    Select the correct answer using the code given below.

    (a) 1 only

    (b) 2 only

    (c) Both 1 and 2

    (d) Neither 1 nor 2

     

    Practice MCQ:

    Consider the following statements about RBI led Digital India Trust Agency (DIGITA):

    1.    It aims to tackle the proliferation of illegal lending apps.

    2.    Apps lacking the ‘verified’ signature from DIGITA will be deemed unauthorized.

    Which of the given statements is/are correct?

    (a) Only 1

    (b) Only 2

    (c) Both 1 and 2

    (d) Neither 1 nor 2

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