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Type: Prelims Only

  • Reserve Bank Integrated Ombudsman Scheme (RBIOS)

    Issues related to ATM/debit cards and mobile/electronic banking were the top grounds of complaints received at the Office of Banking Ombudsman (OBO).

    Why in news?

    • Of these, 3,04,496 complaints were handled by the 22 Offices of RBI Ombudsman (ORBIOs), including the complaints received under the three erstwhile Ombudsman Schemes till November 11, 2021.
    • Complaints related to ATM/ debit cards were the highest at 14.6% of the total, followed by mobile/ electronic banking at 13.6%.
    • About 90% of the total complaints were received through digital modes, including on the online Complaint Management System (CMS) portal.
    • Majority 66.1% of the maintainable complaints were resolved through mutual settlement/ conciliation/ mediation.

    Banking Ombudsman Scheme

    • The Banking Ombudsman Scheme is an expeditious and inexpensive forum for bank customers for resolution of complaints relating to certain services rendered by banks.
    • It is introduced under Section 35 A of the Banking Regulation Act, 1949 by RBI with effect from 1995.
    • Presently the Banking Ombudsman Scheme 2006 (As amended upto July 1, 2017) is in operation.
    • All Scheduled Commercial Banks, Regional Rural Banks and Scheduled Primary Co-operative Banks are covered under the Scheme.
    • As per the present regulations, the ombudsman redressal is allowed for complaints where the compensation amount for any loss suffered by the complainant is limited to Rs 20 lakh.
    • Under the RBI-OS, 2021, following the ‘One Nation, One Ombudsman’ principle, the territorial jurisdictions have been abrogated, and complaints are assigned to all the ombudsmen by the CMS.

    What about other sectors?

    • The Reserve Bank Integrated Ombudsman Scheme (RBIOS) amalgamates three ombudsman scheme of RBI – banking ombudsman scheme of 2006, ombudsman scheme for NBFCs of 2018 and ombudsman scheme of digital transactions of 2019.
    • The unified ombudsman scheme will provide redress of customer complaints involving deficiency in services if the grievance is not resolved to the satisfaction of the customers or not replied within a period of 30 days.
    • The new scheme also includes non-scheduled primary co-operative banks with a deposit size of Rs 50 crore and above.
    • The integrated scheme makes it a “One Nation One Ombudsman’ approach and jurisdiction neutral.

     

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  • What are Black Carbon Aerosols?

    black carbon

    Black carbon aerosols have indirectly affected the mass gain of the Tibetan Plateau glaciers by changing long-range water vapour transport from the South Asian monsoon region, a study has found.

    What are Black Carbon Aerosols?

    • Black Carbon (BC) aerosol, often called soot, is the dominant form of light absorbing particulate matter in the atmosphere.
    • They are emitted by incomplete combustion processes, both human (e.g., diesel engines) and natural (e.g., wildfire).
    • Its ability to absorb visible and infrared radiation means BC can heat the atmosphere and darken surfaces, specifically snow and ice.
    • These effects have important consequences on earth’s climate and climate change.
    • BC may also have adverse impacts on human health. Unlike long-lived greenhouse gases such as carbon dioxide, BC is removed from the atmosphere in 1-2 weeks, so its impacts tend to be more regional rather than global.

    Deposition over Himalayas

    • The South Asia region adjacent to the Tibetan Plateau has among the highest levels of black carbon emission in the world.
    • Many studies have emphasised black carbon aerosols from South Asia can be transported across the Himalayas to the inland region of the Tibetan Plateau.

    Impact on glaciers melting

    • Black carbon deposition in snow reduces the albedo of surfaces — a measure of how much of Sun’s radiations are reflected.
    • This accelerates the melting of glaciers and snow cover, thus changing the hydrological process and water resources in the region.
    • They heat up the middle and upper atmosphere, thus increasing the North-South temperature gradient.
    • As a result, precipitation in the central and the southern Tibetan Plateau decreases during the monsoon, especially in the southern Tibetan Plateau.
    • The decrease in precipitation further leads to a decrease of mass gain of glaciers.
    • From 2007 to 2016, the reduced mass gain by precipitation decrease accounted for 11% of the average glacier mass loss on the Tibetan Plateau and 22.1% in the Himalayas.

     

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  • Who was Savitribai Phule?

    phule

    Recently, 192nd birth anniversary of Savitribai Phule, w/o Jyotiba Phule (the pioneer of Satyashodhak Samaj) was celebrated.

    Who was Savitribai Phule?

    • A Dalit woman from the Mali community, Savitribai was born on January 3, 1831, in Maharashtra’s Naigaon village.
    • Married off at the age of 10, her husband Jyotirao Phule is said to have educated her at home.
    • Later, Jyotirao admitted Savitribai to a teachers’ training institution in Pune.
    • Throughout their life, the couple supported each other and in doing so, broke many social barriers.

    Pioneering first school for girls in India

    • At a time when it was considered unacceptable for women to even attain education, the couple went on to open a school for girls in Bhidewada, Pune, in 1848.
    • This became the country’s first girls’ school.

    Opposition to Phules’ schools

    • The Phules opened more such schools for girls, Shudras and Ati-Shudras (the backward castes and Dalits, respectively) in Pune.
    • This led to discontent among Indian nationalists like Bal Gangadhar Tilak.
    • They opposed the setting up of schools for girls and non-Brahmins, citing a “loss of nationality”, and believing not following the caste rules would mean a loss of nationality itself.
    • Savitribai herself faced great animosity from the upper castes, including instances of physical violence.
    • When serving as the headmistress of the first school in Bhide Wada, upper-caste men often pelted stones and threw mud and cow dung on her.

    Phule’s role as a social reformer, beyond education

    • Infanticide prevention: Along with Jyotirao, Savitribai started the Balhatya Pratibandhak Griha (‘Home for the Prevention of Infanticide’) for pregnant widows facing discrimination.
    • Child adoption: The Phules also adopted Yashwantrao, the child of a widow, whom they educated to become a doctor.
    • Reforms in marriages: Savitribai Phule also advocated inter-caste marriages, widow remarriage, and eradication of child marriage, sati and dowry systems, among other social issues.
    • Denouncing Brahmanical ritualism: As an extension, they started ‘Satyashodhak Marriage’ – a rejection of Brahmanical rituals where the marrying couple takes a pledge to promote education and equality.
    • Bubonic plague mitigation: Savitribai became involved in relief work during the 1896 famine in Maharashtra and the 1897 Bubonic plague. She herself contracted the disease while taking a sick child to the hospital, and breathed her last on March 10, 1897.

    Savitribai’s literary works

    • Savitribai Phule published her first collection of poems, called Kavya Phule (‘Poetry’s Blossoms’), at the age of 23 in 1854.
    • She published Bavan Kashi Subodh Ratnakar (‘The Ocean of Pure Gems’), in 1892.
    • Besides these works, Matushri Savitribai Phulenchi Bhashane va Gaani (Savitribai Phule’s speeches and songs’), and her letters to her husband have also been published.

     

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  • Nilgiri Tahr Conservation Project

    nilgiri tahr

    The Tamil Nadu government launched an initiative for the conservation of the Nilgiri Tahr, the State animal.

    Nilgiri Tahr

    IUCN Conservation Status: Endangered

    Wildlife (Protection) Act of India, 1972: Schedule I

    • It is endemic to the Nilgiri Hills and the southern portion of the Western Ghats in the states of Tamil Nadu and Kerala in Southern India.
    • It is the state animal of Tamil Nadu.
    • The Nilgiri tahr inhabits the open montane grassland habitat of the South Western Ghats montane rain forests eco-region.
    • At elevations from 1,200 to 2,600 metres (3,900 to 8,500 ft), the forests open into grasslands interspersed with pockets of stunted forests, locally known as sholas.
    • Eravikulam National Park is home to the largest population of this Tahr.
    • It is estimated that there are 3,122 Nilgiri Tahrs in the wild. It has become locally extinct in around 14% of its traditional shola forest-grassland habitat.

     

    Nilgiri Tahr Conservation Project

    • Under The Nilgiri Tahr project, TN government plans to develop a better understanding of the Nilgiri Tahr population through-
    1. Surveys and radio telemetry studies;
    2. Reintroduce the Tahrs to their historical habitat;
    3. Address proximate threats; and
    4. Increase public awareness of the species.
    • The project is to be implemented from 2022 to 2027.
    • Furthermore, October 7 will be celebrated as ‘Niligiri Tahr Day’ in honour of E.R.C. Davidar, who was responsible for pioneering one of the first studies of the species in 1975.

    Historic significance of Nilgiri Tahr

    • There are multiple references to the Nilgiri Tahr in Tamil Sangam literature dating back to 2,000 years.
    • The late Mesolithic (10,000-4,000 BC) paintings highlight the significance of the Tahr in folklore, culture and life.
    • It was designated as the State animal in recognition of its ecological and cultural significance.

     

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  • No Rhinos poached in Assam in 2022

    rhino

    Assam CM announced that no rhinos were poached in the state in 2022.

    Indian Rhinoceros

    • The Indian rhinoceros (Rhinoceros unicornis) is found only in the Brahmaputra valley, parts of North Bengal, and parts of southern Nepal.
    • It has a single black horn that can grow up to 60 cm, and a tough, grey-brown hide with skin folds, which gives the animal its characteristic armour-plated look.
    • It is listed as Vulnerable (better than endangered, worse than near threatened) in the IUCN Red List; it was earlier placed in the endangered category.
    • It is listed as a Schedule I animal in the Wildlife Protection Act, 1972.

    Why are Rhinos poached for horns?

    • Ground rhino horn is used in traditional Chinese medicine to cure a range of ailments, from cancer to hangovers, and also as an aphrodisiac.
    • In Vietnam, possessing a rhino horn is considered a status symbol.
    • Due to demand in these countries, poaching pressure on rhinos is ever persistent against which one cannot let the guard down.

    Flourishing population

    • According to the WWF, there are around 3,700 Indian rhinos in the wild today.
    • Assam’s Kaziranga National Park (KNP) alone has 2,613 animals, according to a census carried out in March 2022.
    • There are more than 250 other rhinos in the Orang, Pobitora, and Manas parks.
    • The WWF says the “recovery of the greater one-horned rhino is among the greatest conservation success stories in Asia”.

    Try this PYQ:

    Q. Consider the following statements:

    1. Asiatic lion is naturally found in India only.
    2. Double-humped camel is naturally found in India only.
    3. One-horned rhinoceros is naturally found in India only.

    Which of the statements given above is/are correct?

    (a) 1 only

    (b) 2 only

    (c) 1 and 3 only

    (d) 1, 2 and 3

     

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    Post your answers here.

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  • In news: Bhima-Koregaon Battle

    koregao

    The 205th anniversary of the Bhima-Koregaon battle was recently celebrated in all harmony at the Ranstambh (victory pillar) in Perne village in Pune.

    Battle of Bhima-Koregaon

    • The 1818 battle of Bhima-Koregaon, one of the last battles of the Third Anglo-Maratha War culminated in the Peshwa’s defeat.
    • It was fought on 1 January 1818 between the British East India Company (BEIC) and the Peshwa faction of the Maratha Confederacy, at Koregaon at the banks of River Bhima.
    • A 28,000-strong force led by Peshwa Baji Rao II while on their way to attack the company-held Pune were unexpectedly met by an 800-strong Company force of which 500 belonged to the Dalit community.
    • The battle was part of the Third Anglo Maratha war, a series of battles that culminated in the defeat of the Peshwa rule and subsequent rule of the BEIC in nearly all of Western, Central, and Southern India.

    Role of Mahar Community

    • Back in the seventeenth century, the community was particularly valued by the ruler Shivaji, under whom Maratha caste identities were far more fluid.
    • The value of the Mahars for military recruitment under Shivaji was noted by the social reformer Jyotirao Phule.
    • The Mahars were not only beneficiaries of the attempt at caste unity under Shivaji but were in fact valued for their martial skills, bravery, and loyalty.

    Mahars during Maratha Empire

    • The position occupied by the Mahars under Shivaji, however, was short-lived and under later Peshwa rulers, their status deteriorated.
    • The Peshwas were infamous for their Brahmin orthodoxy and their persecution of the untouchables.
    • The Mahars were forbidden to move about in public spaces and punished atrociously for disrespecting caste regulations.
    • Stories of Peshwa atrocities against the Mahars suggest that they were made to tie brooms behind their backs to wipe out their footprints and pots on their necks to collect their spit.

    Why is the battle significant?

    • The battle resulted in losses to the Maratha Empire, then under Peshwa rule, and control over most of western, central, and southern India by the British East India Company.
    • The battle has been seen as a symbol of Dalit pride because a large number of soldiers in the Company forces were the Mahar Dalits, the same oppressed community to which Babasaheb Ambedkar belonged.
    • After centuries of inhumane treatment, this battle was the first time that Mahars had been included in a battle in which they won.

    Dr. Ambedkar’s association

    • It was Babasaheb Ambedkar’s visit to the site on January 1, 1927, that revitalized the memory of the battle for the Dalit community.
    • He led to its commemoration in the form of a victory pillar, besides creating the discourse of Dalit valor against Peshwa ‘oppression’ of Dalits.

     

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  • Madan Mohan Malaviya and BHU

    Madan Mohan Malaviya

    An archive on the principal founder of the Banaras Hindu University (BHU), ‘Mahamana’ Madan Mohan Malaviya was recently unveiled.

    Who was Madan Mohan Malaviya?

    • Malaviya was born on 25th December, 1861 in Allahabad.
    • He was a great Indian educationist and freedom fighter, distinguished from others for his significant role in Indian independence and his support of Hindu nationalism.
    • At the Banaras Hindu University (BHU), which he founded in 1916, he served as Vice-Chancellor from 1919 to 1938.
    • The University has around 12,000 students all across the field such as the arts, sciences, engineering and technology.

    Political affiliations

    • Malaviya rose up the ranks, and became president four times — in 1909 (Lahore), in 1918 (Delhi), in 1930 (Delhi), and in 1932 (Calcutta).
    • He was part of the Congress for almost 50 years.
    • He was one of the early leaders of the Hindu Mahasabha, and helped found it in 1906.
    • He was a social reformer and a successful legislator, serving as a member of the Imperial Legislative Council for 11 years (1909–20).
    • In the freedom struggle, he was midway between the Liberals and the Nationalists, the Moderates and the Extremists, as the followers of Gokhale and Tilak were respectively called.
    • In 1930, when Mahatma Gandhi launched the Salt Satyagraha and the Civil Disobedience Movement, he participated in it and courted arrest.

    Literary associations

    • He remained the Hindustan Times’ Chairman from 1924 to 1946.
    • He was involved with magazines including the-
    1. Hindi language weekly, the Abhyudaya (1907)
    2. English-language daily the Leader of Allahabad (1909) and
    3. Hindi dailies Aaj

     

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  • 129th birth anniversary of Satyendra Nath Bose

    satyendra nath bose

    Born on January 1, 1894, Bose collaborated with Einstein to develop what we now know as the Bose-Einstein statistics. We take a look at the Indian physicist’s illustrious legacy and stellar achievements.

    Satyendra Nath Bose

    • Born on January 1, 1894, Bose grew up and studied in Kolkata, where he solidified his position as an exemplary academician.
    • His father, an accountant in the Executive Engineering Department of the East Indian Railways, gave him an arithmetic problem to solve every day before going to work, encouraging Bose’s interest in mathematics.
    • By the age of 15, he began pursuing a Bachelor of Science degree at the Presidency College, and later finished his MSc in Mixed Mathematics in 1915.

    Career as researchers

    • These were tough times for Indian researchers as World War I had broken out and, European scientific journals came to India quite infrequently.
    • Not only this, most of the research papers weren’t available in English and both Bose and Saha had to learn scientific terms in German and French languages to read published works.
    • However, the new skill came in handy for them in 1919, when they published English translations of Albert Einstein’s special and general relativity papers.
    • Two years later, Bose was appointed to the position of Reader in Physics at the University of Dhaka. It was here that he made his most significant contributions to physics.

    Association with Einstein

    • Bose wrote a letter to Albert Einstein in 1924 about his breakthrough in quantum mechanics.
    • He claimed that he had derived Planck’s law for black body radiation (which refers to the spectrum of light emitted by any hot object) without any reference to classical electrodynamics.
    • Impressed by Bose’s findings, Einstein not only arranged for the publication of the paper but also translated it into German.
    • This recognition catapulted Bose to fame and glory.

    Breakthrough in the invention of Boson

    • He went on to work with Einstein and together they developed what is now known as the Bose-Einstein statistics.
    • Today, in honour of his legacy, any particle that obeys the Bose-Einstein statistics is called a boson.
    • On his 129th birth anniversary, we take a look at the Indian physicist’s illustrious legacy and stellar achievements.

     

     

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  • In news: Small Savings Schemes

    The Central government raised interest rates on eight of the 12 small savings schemes by 20 to 110 basis points for the January to March 2023 quarter.

    Small Savings Schemes

    • Small Savings Schemes are a set of savings instruments managed by the central government with an aim to encourage citizens to save regularly irrespective of their age.
    • They are popular as they provide returns higher than bank fixed deposits, sovereign guarantee and tax benefits.

    How are they managed?

    • Since 2016, the Finance Ministry has been reviewing the interest rates on small savings schemes on a quarterly basis.
    • All deposits received under various schemes are pooled in the National Small Savings Fund.
    • The money in the fund is used by the Centre to finance its fiscal deficit.

    What are the different saving schemes?

    The schemes can be grouped under three heads –

    1. Post office deposits
    2. Savings certificates and
    3. Social security schemes

    (1) Post Office Deposits

    • Under this we have the savings deposit, recurring deposit and time deposits with 1, 2, 3 and 5 year maturities and the monthly income account.
    • The savings account currently pays an interest of 4% per annum and can be opened individually or jointly with an initial investment of Rs 500.
    • The recurring deposit that pays 5.8% a year compounded quarterly matures after 60 months from the date of opening.
    • It allows investors to save on a monthly basis with a minimum deposit of Rs 100 per month.
    • Investments under the 5-year time deposit up to Rs 1.5 lakh further qualifies for benefit under section 80C of Income Tax Act.

    (2) Savings Certificates

    • Under this, we have the National Savings Certificate and the Kisan Vikas Patra.
    • The National Savings Certificate pays interest at a rate of 6.8% per annum upon maturity after 5 years. The interest that is earned is reinvested into the scheme every year automatically.
    • The NSC also qualifies for tax saving under Section 80C of the income tax act.
    • The Kisan Vikas Patra, which is open to everyone, doubles your one-time investment at the end of 124 months signifying a return of 6.9% compounded annually.
    • The minimum investment amount is Rs 1000 while there is no upper limit.

    (3) Social security schemes

    • In the third head of social security schemes, there is Public Provident Fund, Sukanya Samriddhi Account and Senior Citizens Savings Scheme.
    1. Public Provident Fund
    • The Public Provident Fund is a popular saving option for long term goals like retirement.
    • It pays 7.1% a year and qualifies for tax benefit under Section 80C of the Income Tax Act.
    • Upon maturity of the account after 15 years, it can be extended indefinitely in blocks of 5 years.
    • The accumulated amount and interest earned are exempt from tax at the time of withdrawal.
    1. Sukanya Samriddhi Account
    • The Sukanya Samriddhi Account was launched in 2015 under the Beti Bachao Beti Padhao campaign exclusively for a girl child.
    • The account can be opened in the name of a girl child below the age of 10 years.
    • The scheme guarantees a return of 7.6% per annum and is eligible for tax benefit under Section 80C of the Income Tax Act.
    • The tenure of the deposit is 21 years from the date of opening of the account and a maximum of Rs 1.5 lakh can be invested in a year.
    1. Senior Citizen Savings Account
    • And finally, the 5-year ​​Senior Citizen Savings Account can be opened by anyone who is over 60 years to age.
    • It carries an interest of 7.4% per annum payable quarterly and qualifies for Section 80C tax benefit.
    • These time-tested and safe modes of investments don’t offer quick returns, but are safer when compared to market-linked schemes.

     

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  • In news: Foundation Day of the INC

    inc

    A political party recently marked the  138th foundation day of Indian National Congress (INC) on December 28.

    How the INC was founded?

    • The INC came into being on December 28, 1885.
    • The English bureaucrat Allan Octavian Hume is credited as the founder of the organisation.
    • On that day, 72 social reformers, journalists and lawyers congregated for the first session of the INC at Gokuldas Tejpal Sanskrit College, Bombay.
    • Stated objectives of INC included-
    1. First, the fusion into one national whole of all the different elements that constitute the population of India.
    2. Second, the gradual regeneration along all lines, spiritual, moral, social, and political, of the nation thus evolved; and
    3. Third, the consolidation, of, the union between England and India.

    Real motive behind: ‘Safety Valve’ Theory

    • At that point, the aim of this group was not to demand independence from the ongoing colonial rule but to influence the policies of the British government in favour of Indians.
    • Its objective is often described as providing a “safety valve” as the time, through which Indians could air out their grievances and frustration.
    • As Mr. Hume explained, the: Congress organization was ‘only one outcome of the labours of a body of cultured men, mostly Indians, who hound themselves together to labour silently for the good of India.’

    Transformation towards freedom movement

    Ans. Famous for 3P’s: Prayers, Protest and Petitions

    • The party’s work continued, to shift the colonial administrators’ attitudes and policies on the rights and powers allowed to Indians.
    • The members frequently protested issues of British colonialism, such as the Bengal famine and the drain of wealth from India.
    • However, these protests were at this point usually limited to prayers, petitions and protests, including writing letters to the authorities.
    • As the British rule continued, there grew differences in what the party’s functioning should be like.

    Strength of INC

    • Diverse participation: One of the biggest strengths of the party, which helped it appeal to a broad section of Indian society, was having members who held different ideological positions.
    • Pan-India organization: Its popularity grew across every corner of India.

    Early criticism of INC

    • Non-effective: Hume and the party were criticised, by the British for attempting to change the existing systems that favoured them and by some Indians for not achieving significant results.
    • Elite-organization: The party largely consisted of educated, upper-class people who were likely to have studied abroad.

    Splits and reconvening

    • In Surat in 1906, the divisions between the ‘moderates’ led by Gopal Krishna Gokhale and Surendranath Banerjea, and the ‘extremists’ led by Bal Gangadhar Tilak came to the fore and there was a split.
    • While Tilak and Lala Lajpat Rai wanted the Congress to boycott the visit of the Prince of Wales in protest against the Bengal Partition a year prior, the moderates opposed any such move.
    • But by 1915, the Bombay session saw these two groups coming together again as one.
    • The pattern of splits and eventual cohesion continued well after Indian independence, even after the party came to completely dominate successive general elections under PM Jawaharlal Nehru.

    Important sessions of INC

        Year     Session President Importance  
        1885 Bombay W C Banerjee First session
        1888 Allahabad George Yule First English President of INC
        1896 Calcutta Rahimtullah M. Sayani National song ‘Vande Mataram’ sung for the first time
        1906 Calcutta Dadabhai Naoroji Dadabhai Naoroji coined the term Swaraj.
        1907 Surat Rash Behari Ghosh Party splits into extremists and moderates
        1911 Calcutta Bishan Narayan Dar National Anthem ‘Jana Gana Mana’ sung for the first time
        1916 Lucknow Ambica Charan Mazumdar Reunion of Congress and Lucknow Pact, Joint session with the Muslim league
        1917 Calcutta Annie Besant First Woman President of the INC
        1919 Amritsar Motilal Nehru Jallianwalla Bagh Massacre took place
        1924 Belgaum M K Gandhi Only session where MK Gandhi was the President
        1925 Kanpur Sarojini Naidu First Indian Woman President of INC
        1927 Madras M A Ansari Independence Resolution was put forward
        1928 Calcutta Session, Motilal Nehru All India Youth Congress formed
        1929 Lahore Jawaharlal Nehru Poorna Swaraj Resolution @ 26th January, Civil Disobedience Movement launched
        1931

     

    Karachi Sardar Vallabhbhai Patel A resolution on Fundamental Rights and National Economic Progress was passed. Gandhi-Irwin pact was endorsed and  Gandhiji was nominated to represent INC in the second round table conference
        1936 Lucknow Jawaharlal Nehru Idea of Socialism was imbibed
        1938 Haripura Subhas Chandra Bose National Planning Committee set up under Nehru, Haripura Resolution passed, which demanded Poorna Swaraj, including the princely states as well.
        1940 Ramgarh Abul Kalam Azad He was the longest-serving President of INC during British rule.

    Quit India Movement started in 1942

        1946 Meerut J.B. Kripalani Last session before Indian independence

     

     

    Try this PYQ:

    Q.Consider the following statements

    1. The first woman President of the Indian National Congress was Sarojini Naidu.
    2. The first Muslim President of the Indian National Congress was Badruddin Tyabji.

    Which of the statements given above is/are correct?

    (a) 1 only

    (b) 2 only

    (c) Both 1 and 2

    (d) Neither 1 nor 2

     

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