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

Type: Prelims Only

  • Innovations in Biotechnology and Medical Sciences

    CAR T-Cell Therapy for treatment of Cancer

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: CAR T-Cell Cancer Therapy

    Mains level: Not Much

    cancer

    The new CAR T-Cell Immunotherapy holds promise for Ovarian Cancer patients over other forms of treatment.

    What are CAR T-cells?

    • Chimeric antigen receptor (CAR) T-cell therapies represent a quantum leap in the sophistication of cancer treatment.
    • Unlike chemotherapy or immunotherapy, which require mass-produced injectable or oral medication, CAR T-cell therapies use a patient’s own cells.
    • They are modified in the laboratory to activate T-cells, a component of immune cells, to attack tumours.
    • These modified cells are then infused back into the patient’s bloodstream after conditioning them to multiply more effectively.
    • The cells are even more specific than targeted agents and directly activate the patient’s immune system against cancer, making the treatment more clinically effective.
    • This is why they’re called ‘living drugs’.

    How does the therapy work?

    • In CAR T-cell therapy, the patient’s blood is drawn to harvest T-cells which are immune cells that play a major role in destroying tumour cells.
    • Researchers modify these cells in the laboratory so that they express specific proteins on their surface, known as chimeric antigen receptors (CAR).
    • They have an affinity for proteins on the surface of tumour cells.
    • This modification in the cellular structure allows CAR T-cells to effectively bind to the tumour and destroy it.
    • The final step in the tumour’s destruction involves its clearance by the patient’s immune system.

    Where is it used?

    • As of today, CAR T-cell therapy has been approved for leukaemias (cancers arising from the cells that produce white blood cells) and lymphomas (arising from the lymphatic system).
    • These cancers occur through the unregulated reproduction of a single clone of cells, that is, following the cancerous transformation of a single type of cell, it produces millions of identical copies.
    • As a result, the target for CAR T-cells is consistent and reliable.
    • CAR T-cell therapy is also used among patients with cancers that have returned after an initial successful treatment or which haven’t responded to previous combinations of chemotherapy or immunotherapy.
    • Its response rate is variable. In certain kinds of leukaemias and lymphomas, the efficacy is as high as 90%, whereas in other types of cancers it is significantly lower.

    How widespread is its use?

    • The complexity of preparing CAR T-cells has been a major barrier to their use.
    • The first clinical trial showing they were effective was published almost a decade ago; the first indigenously developed therapy in India was successfully performed only in 2022.
    • The technical and human resources required to administer this therapy are also considerable.
    • Treatments in the US cost more than a million dollars.
    • Trials are underway in India, with companies looking to indigenously manufacture CAR T-cells at a fraction of the cost.
    • The preliminary results have been encouraging.

    What are conventional cancer therapies?

    • The three major forms of treatment for any cancer are surgery (removing the cancer), radiotherapy (delivering ionising radiation to the tumour), and systemic therapy (chemotherapy- administering medicines that act on the tumour only).
    • Surgery and radiotherapy have been refined significantly over time whereas advances in systemic therapy have been unparalleled.
    • A new development on this front, currently holding the attention of many researchers worldwide, is the CAR T-cell therapy.

    Will this therapy be expensive in India as well?

    • In India, introducing any new therapy faces the twin challenges of cost and value.
    • Critics argue that developing facilities in India may be redundant and/or inappropriate as even when it becomes cheaper, CAR T-cell therapy will be unaffordable to most Indians.
    • Those who are affluent and require the therapy currently receive it abroad anyway.
    • While this is true, it may be the right answer to the wrong question.
    • Having access to a global standard of care is every patient’s right; how it can be made more affordable can be the next step.

     

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  • Banking Sector Reforms

    What are Primary Agricultural Credit Societies (PACS)?

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: PACS

    Mains level: Rural banking mechanisms

    pacs

    The Union Budget has announced Rs 2,516 crore for computerization of 63,000 Primary Agricultural Credit Societies (PACS) over the next five years.

    Primary Agricultural Credit Societies (PACS)

    • PACS are village level cooperative credit societies that serve as the last link in a three-tier cooperative credit structure headed by the State Cooperative Banks (SCB) at the state level.
    • Credit from the SCBs is transferred to the district central cooperative banks, or DCCBs, that operate at the district level.
    • The DCCBs work with PACS, which deal directly with farmers.
    • Since these are cooperative bodies, individual farmers are members of the PACS, and office-bearers are elected from within them.
    • A village can have multiple PACS.

    What is its lending mechanism?

    • PACS are involved in short term lending — or what is known as crop loan.
    • At the start of the cropping cycle, farmers avail credit to finance their requirement of seeds, fertilisers etc.
    • Banks extend this credit at 7 per cent interest, of which 3 per cent is subsidised by the Centre, and 2 per cent by the state government.
    • Effectively, farmers avail the crop loans at 2 per cent interest only.

    NPAs with PACS

    • NABARD’s annual report of 2021-22 shows that 59.6 per cent of the loans were extended to the small and marginal farmers.
    • A report published by the Reserve Bank of India on December 27, 2022 put the number of PACS at 1.02 lakh.
    • At the end of March 2021, only 47,297 of them were in profit.
    • The same report said PACS had reported lending worth Rs 1,43,044 crore and NPAs of Rs 72,550 crore. Maharashtra has 20,897 PACS of which 11,326 are in losses.

    Why are PACS attractive?

    • The attraction of the PACS lies in the last mile connectivity they offer.
    • For farmers, timely access to capital is necessary at the start of their agricultural activities.
    • PACS have the capacity to extend credit with minimal paperwork within a short time.

     

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  • Financial Inclusion in India and Its Challenges

    What are White Label ATMs?

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: White Label ATM

    Mains level: Financial inclusion

    atm

    The Reserve Bank of India (RBI) has extended the validity of authorization issued to Vakrangee to setup, own and operate White Label ATMs in India.

    What is White Label ATM?

    • Usually ATMs are managed by banks. But White Label ATMs are owned and operated by non-banking entities.
    • ATMs operated under this business model allow customers to use them for banking transactions regardless of the bank they have an account with.
    • RBI approved the operation and inclusion of WLA ATM by non-banking organisations under the Payment and Settlement Systems Act of 2007.
    • It was introduced to expand India’s ATM network, especially in semi-urban and rural areas.

    How does it work?

    • White Label ATM companies work with banking networks to enable bank customers to use banking services like withdrawing funds, paying bills and depositing cash.
    • White Label ATM (WLA) operators’ charge card-issuing bank fees to provide this facility to the bank’s clients.
    • The transaction process in White Label ATM operators consists of a lending bank, a sponsor bank that handles settlements and an ATM network provider.
    • The Sponsor bank provides the cash facility for the White ATM.

    Significance of WLA: Financial Inclusion

    • Financial inclusion is concerned with the availability of financial services and adequate financing to low-income individuals and other vulnerable segments of society.
    • ATMs promote financial inclusion and provide customers with various banking services at any location and time.

    White Label ATM Operators in India

    • Non-banks set up and operate White ATMs as per the rules laid down by RBI for using ‘other bank’ ATMs.
    • These ATMs accept all domestic debit cards and offer the first five or three transactions per month free of cost, depending on the location.
    • Below mentioned are some examples of companies that operate white label ATMs:
    1. Indicash – India’s largest White Label ATM network responsible for ‘uberisation of ATMs.’
    2. India1 Payments (BTI Payments Pvt. Ltd.)
    3. Hitachi Payment Services Pvt. Ltd.
    4. Tata Communications Payment Solutions Ltd.
    5. Vakrangee Limited

    Benefits of White Label ATMs

    There are many benefits of White Label ATMs:

    • Customers benefit from White Label ATMs since they eliminate the need to visit a bank branch on a regular basis
    • ATMs are available 24 hours a day, seven days a week, including holidays
    • Banks benefit from this because they do not have to maintain a huge staff/office (compared to a system without ATMs). It lowers their branch-operational costs
    • Financial inclusion of rural, semi-urban, and low-income people
    • It allowed ATM cards to be issued by any bank that can be used at White Label ATMs
    • WLA atm also provides mobile recharge, energy bill payments, and other value-added services

    Limitations of White Label ATMs

    There are also a few limitations of White Label ATMs:

    • The issue of unsuccessful transactions is a key source of concern. In the event of a dispute, the dispute resolution method will include three entities, namely the WLA operator, the WLA operator’s sponsor bank, and the customer’s bank.
    • Customers will be discouraged by the cost issue, as they will be obliged to pay a price to use the White Label ATMs, as only a limited number of free transactions are permitted on the WLAs
    • White label ATMs’ financial viability is questioned because of their low interchange charge and hefty operational expenses
    • If there is a bank-managed ATM in the same area as a WLA ATM, the White Label ATMs may not be able to generate a profit

    Differences Between Brown Label and White Label ATMs

    The differences between Brown Label ATM and White Label ATMs are:

    Brown Label ATM White Label ATM
    Brown Label ATMs have their hardware and ATM machine leased by a service provider Non-banking entities own and operate ATMs
    The sponsor bank’s brand name appears on the Brown label ATM There is no bank logo on a white label ATM machine
    The RBI is not directly involved. These outsourcing firms are bound by contracts with their respective banks The RBI is directly involved as white label companies must obtain a license or permission from the RBI in order to conduct business

     

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  • Artificial Intelligence (AI) Breakthrough

    Bard: Google’s answer to ‘ChatGPT’

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: Bard, ChatGPT, AI

    Mains level: AI, Machine Learning

    bard

    Google has finally decided to answer the challenge and threat posed by Microsoft-backed OpenAI and its AI chatbot- ChatGPT.

    What is Bard, when can I access it?

    • Google’s Bard is functioned on LaMDA, the firm’s Language Model for Dialogue Applications system, and has been in development for several years.
    • It is what Sunder Pichai termed an “experimental conversational AI service”.
    • Google will be opening it up to trusted testers ahead of making it more widely available to the public in the coming weeks.
    • It is not yet publicly available.

    What is Bard based on?

    • Bard is built on Transformer technology—which is also the backbone of ChatGPT and other AI bots.
    • Transformer technology was pioneered by Google and made open-source in 2017.
    • Transformer technology is a neural network architecture, which is capable of making predictions based on inputs and is primarily used in natural language processing and computer vision technology.
    • Previously, a Google engineer claimed LaMDA was a ‘sentient’ being with consciousness.

    How does it work?

    • Bard draws on information from the web to provide fresh, high-quality responses.
    • In short, it will give in-depth, conversational and essay-style answers just like ChatGPT does right now.
    • It requires significantly less computing power, enabling us to scale to more users, allowing for more feedback.

    A user will be able to ask Bard to explain new discoveries from NASA’s James Webb Space Telescope to a 9-year-old, or learn more about the best strikers in football right now, and then get drills to build your skills.

     

    What about its computing power?

    • Remember running these models also requires significant computing power.
    • For instance, ChatGPT is powered by Microsoft’s Azure Cloud services.
    • This also explains why the service often runs into errors at times, because too many people are accessing it.

    Key difference between ChatGPT and Google’s Bard

    • It appears that to take on ChatGPT, Google has an ace up its sleeve: the ability to draw information from the Internet.
    • Bard draws on information from the web to provide fresh, high-quality responses.
    • ChatGPT has impressed with its ability to respond to complex queries — though with varying degrees of accuracy — but its biggest shortcoming perhaps is that it cannot access real-time information from the Internet.
    • ChatGPT’s language model was trained on a vast dataset to generate text based on the input, and the dataset, at the moment, only includes information until 2021.

    Is Bard better than ChatGPT?

    • Bard looks like a limited rollout right now.
    • Google is looking for a lot of feedback at the moment around Bard, so it is hard to say whether it can answer more questions than ChatGPT.
    • Google has also not made clear the amount of knowledge that Bard possesses.
    • For instance, with ChatGPT, we know its knowledge is limited to events till 2021.
    • Of course, it is based on LaMDA, which has been in the news for a while now.

    Why has Google announced Bard right now?

    • Bard comes as Microsoft is preparing to announce an integration of ChatGPT into its Bing Search engine.
    • Google might have invented the ‘Transformer’ technology, but it is now being seen as a latecomer to the AI revolution.
    • ChatGPT in many ways is being called the end of Google Search, given that conversational AI can give long, essay style and sometimes elegant answers to a user’s queries.
    • Of course, not all of these are correct, but then AI is capable of correcting itself as well and learning from mistakes.

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  • ISRO Missions and Discoveries

    NASA-ISRO partnership’s NISAR and its Mission

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: NISAR

    Mains level: Not Much

    nisar

    An earth-observation satellite NASA-ISRO Synthetic Aperture Radar (NISAR) jointly developed by NASA and ISRO is all set to be shipped to India later this month for a possible launch in September.

    What is NISAR?

    • NISAR has been built by space agencies of the US and India under a partnership agreement signed in 2014.
    • The 2,800 kilograms satellite consists of both L-band and S-band synthetic aperture radar (SAR) instruments, which makes it a dual-frequency imaging radar satellite.
    • While NASA has provided the L-band radar, GPS, a high-capacity solid-state recorder to store data, and a payload data subsystem, ISRO has provided the S-band radar, the GSLV launch system and spacecraft.
    • Another important component of the satellite is its large 39-foot stationary antenna reflector.
    • Made of a gold-plated wire mesh, the reflector will be used to focus the radar signals emitted and received by the upward-facing feed on the instrument structure.

    What is the mission?

    • Once launched into space, NISAR will observe subtle changes in Earth’s surfaces, helping researchers better understand the causes and consequences of such phenomena.
    • It will spot warning signs of natural disasters, such as volcanic eruptions, earthquakes and landslides.
    • The satellite will also measure groundwater levels, track flow rates of glaciers and ice sheets, and monitor the planet’s forest and agricultural regions, which can improve our understanding of carbon exchange.
    • By using synthetic aperture radar (SAR), NISAR will produce high-resolution images.
    • SAR is capable of penetrating clouds and can collect data day and night regardless of the weather conditions.

     

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  • Historical and Archaeological Findings in News

    In news: Archaeological Survey of India (ASI)

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: ASI

    Mains level: Not Much

    The Archaeological Survey of India (ASI) has decided to form a special committee to trace and certify 24 protected monuments that have gone “missing”.

    Why in news?

    • PMO has in a report last month said there was an urgent need to “rationalise” the list of monuments of national importance.

    Sites in news

    • Barakhamba Cemetery temple ruins, Mirzapur (UP) dating to 1000 AD
    • Kos Minars – one at Faridabad’s Mujesar and
    • Inchla Wali Gumti at Mubarakpur Kotla in the capital

    Archaeological Survey of India (ASI) 

    • Founded by Alexander Cunningham, who is also revered as the “Father of Indian Archaeology”
    • He was the protege of James Prinsep.
    • It was Lord Canning who helped pass a statute for ASI’s establishment in 1861.
    • Post-Independence, it is a Statutory body that now works under Ancient monuments and archaeological sites and remains act (AMASR Act), 1958.
    • It works as an attached Office of the Ministry of Culture.
    • ASI has 3678 protected monuments and Archaeology sites of National Importance + 29 cultural under the World Heritage List by UNESCO.

    Initiatives by ASI

    1. Museums
    • ASI’s museums are customarily located right next to the sites that their inventories are associated with “so that they may be studied amid their natural surroundings and not lose focus by being transported”.
    • A dedicated Museums Branch maintains a total of 44 museums spread across the country.
    1. Publications by ASI
    • Epigraphia Indica
    • Ancient India
    • Indian Archaeology: A Review (Annually)
    1. Library
    • Central Archaeological Library in the National Archives building in Janpath, New Delhi

     

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  • North-East India – Security and Developmental Issues

    [pib] Yuva Sangam Portal

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: Yuva Sangam

    Mains level: Not Much

    The Union Ministry of Education has launched the “Yuva Sangam” registration portal.

    Yuva Sangam

    • The Yuva Sangam is an initiative of Hon’ble Prime Minister to build close ties between the youth of North East Region and rest of India under the spirit of Ek Bharat Shreshtha Bharat.
    • Yuva Sangam embodies the philosophy of our rich culture, our glorious history and ancient heritage.
    • Youth between the ages of 18 and 30 will take part in this program.
    • Over 20000 youth will travel across India and gain a unique opportunity of cross cultural learning.
    • Through the course of the program, students will interact with each other in the areas of language, literature, cuisine, festivals, cultural events and tourism.
    • They will get a first-hand experience of living in a completely different geographical and cultural scenario.

    Significance of the program

    • The program will give an opportunity to see, know, and understand India and do something for the country.
    • This is yet another initiative of PM Modi for cementing the bond between the northeast and the rest of India.
    • Yuva Sangam will celebrate India`s diversity, rejuvenate the spirit of oneness and highlight the strength of India`s democracy as envisioned by the PM.

     

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  • Judicial Reforms

    73rd establishment day of Supreme Court

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: Supreme Court of India

    Mains level: Not Much

    supreme court

    The Supreme Court of India is hosting its celebration of the 73rd anniversary of its establishment today.

    Why in news?

    • This year’s event is being aired on social media platforms and will witness Singapore’s Chief Justice Sundaresh Menon, who is of Indian origin, as the chief guest.

    When was the Supreme Court founded?

    • On January 28, 1950, two days after India became a sovereign democratic republic, the Supreme Court of India came into being.
    • The first CJI of India was H. J. Kania.
    • The inauguration took place in the Chamber of Princes in the Parliament building which was the home to the Federal Court of India for 12 years preceding the Supreme Court’s establishment.
    • The Parliament House was to be the home of the Supreme Court for years that were to follow until the court acquired its own present building with lofty domes and its signature spacious colonnaded verandas in 1958.

    History of established

    • In 1861, the Indian High Courts Act 1861 was enacted to create high courts for various provinces and abolished Supreme Courts at Calcutta, Madras and Bombay and also the sadar adalats in presidency towns in their respective regions.
    • These new high courts had the distinction of being the highest courts for all cases till the creation of the Federal Court of India under the Government of India Act 1935.
    • The Federal Court had jurisdiction to solve disputes between provinces and federal states and hear appeals against judgment of the high courts.

    Premise of the Supreme Court

    • In 1958, when the court shifted its premises, the building was shaped to project the image of scales of justice, in the central wing.
    • In 1979, two new wings – the East wing and the West wing – were added to the complex. In all, there are 19 Courtrooms in the various wings of the building.
    • The Chief Justice’s Court is the largest of the Courts located at the Centre of the Central Wing.

     

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  • International Space Agencies – Missions and Discoveries

    What is the North Star?

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: North Star

    Mains level: Features of parliamentary democracy

    north star

    Vice President said Parliament is the “North Star” of democracy, “a place of discussion and deliberation to realize the aspirations and dreams of the people”.

    What is North Star?

    • North Star is a metaphor to refer to something constant/permanent that leads and provides direction.
    • Polaris, also known as the North Star or the Pole Star, is a very bright star (around 2500 times more luminous than our sun) placed less than 1° away from the north celestial pole.
    • Its position and brightness have made humans use it for navigation since late antiquity.
    • It is a part of the constellation Ursa Minor and is around 323 light-years away from Earth.

    How it helps navigation?

    • It stands almost motionless in the night sky, with all the stars of the northern sky appearing to rotate around it.
    • This makes it an excellent fixed point from which to draw measurements for celestial navigation.
    • Simply the elevation of the star above the horizon gives the approximate latitude of the observer and in the northern hemisphere, if you can see Polaris you can always tell which way is north.
    • Upon crossing the equator to the South, the North Star is lost over the horizon and hence stops being a useful navigational aid.

    When the North Star was first used to navigate?

    • Polaris seems to have been first charted by the Roman mathematician and astronomer Ptolemy, who lived from about 85 to 165 B.C.
    • While there does exist some evidence pointing at how the star was used for navigation in late antiquity, it is during the ‘Age of Exploration’ that it becomes such a central part of human history.
    • Christopher Columbus, on his first trans-Atlantic voyage of 1492, “had to correct (his ship’s bearings) for the circle described by the pole star about the pole”, wrote his son in his biography.
    • As European colonizers set sail for exotic locations across the world, the North Star became an ever-so-important feature.

     

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

    Muons and their use to analyse large structures

    Note4Students

    From UPSC perspective, the following things are important:

    Prelims level: Muons

    Mains level: Not Much

    muon

    As per a new study, researchers are examining the fortress wall of Xi’an, an ancient city in China, by using tiny outer space particles ‘Muon’ that can penetrate hundreds of metres of stone surfaces.

    What are Muons?

    • Muons are subatomic particles raining from space.
    • They are created when the particles in Earth’s atmosphere collide with cosmic rays — clusters of high-energy particles that move through space at just below the speed of light.
    • About 10,000 muons reach every square metre of the Earth’s surface a minute.
    • These particles resemble electrons but are 207 times as massive.
    • Therefore, they are sometimes called “fat electrons”. Because muons are so heavy, they can travel through hundreds of metres of rock or other matter before getting absorbed or decaying into electrons and neutrinos.
    • In comparison, electrons can penetrate through only a few centimetres. Muons are highly unstable and exist for just 2.2 microseconds.

    What is muon tomography or muography?

    • Muography is conceptually similar to X-ray but capable of scanning much larger and wider structures, owing to the penetration power of muons.
    • As these high-energy particles are naturally produced and ubiquitous, all one needs to do is place a muon detector underneath, within or near the object of interest.
    • The detector then tracks the number of muons going through the object from different directions, to form a three-dimensional image.

    Muons and archaeology

    • The technique was first used in the late 1960s, when Nobel Laureate and US experimental physicist Luis Alvarez joined hands with Egyptologists to search for hidden chambers in the Pyramid of Khafre, Giza.
    • Nothing was found at the time.

    Recent feats achieved

    • In 2017, modern archaeologists repeated the experiment with more sophisticated and advanced muon detectors and stumbled upon a major finding.
    • By placing several detectors, the archaeologists were able to discover a previously unknown chamber at least 30 metres long.
    • It was the first major inner structure to be found in the pyramid since the 19th century.

    Uses of muography beyond archaeology

    • Apart from archaeology, muography has found use in customs security, internal imaging of volcanoes and others.
    • Around 2015, scientists used the technique to look inside the Fukushima nuclear reactors after the 2011 earthquake and tsunami in Japan.
    • As the site was highly radioactive, they put the two muon detectors in 10 centimetres thick boxes to protect them from radiation and then carried out the scanning.
    • Muography is also being used by researchers to analyse Mount Vesuvius, a volcano in Italy.

     

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