January PIB Magazine

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PIB
MAGAZINE Bonus:
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January 2024
News in Focus
Government Schemes
Reports & Indices
Current Snapshots
All Regulatory Exams:

RBI Grade B
NABARD Grade A
SEBI Grade A
News In Focus .................................................................................................................. 3
India Maldives Issue .............................................................................................................. 3
Government Schemes....................................................................................................... 8
1. Pradhan Mantri Ujwala Yojana...................................................................................... 8
2. MGNREGA Scheme ......................................................................................................... 9
3. Vivad Se Vishwas – I Scheme ......................................................................................... 11
4.PM-UDAY Scheme ........................................................................................................... 12
5.PM Kisan Samman Nidhi ................................................................................................. 13
6.Payments Infrastructure Development Fund (PIDF) Scheme ........................................ 14
7.Electoral Bond Scheme .................................................................................................... 16
8.PM’s Employment Generation Programme ................................................................... 17
9.AMRUT (Atal Mission for Rejuvenation and Urban Transformation) ........................... 18
10.Mission Shakti................................................................................................................ 22
11.PRERANA Program......................................................................................................... 23
12.Amrit Dharohar Initiative .............................................................................................. 24
13.‘SMART 2.0’ Program..................................................................................................... 25
14.“PRITHvi VIgyan (PRITHVI)” Scheme ............................................................................. 26
15.SVAMITVA scheme ........................................................................................................ 27
16.PLI Scheme for Automobiles and Auto Components ................................................... 29
17.RBI Integrated Ombudsman Scheme ............................................................................ 31
18.PM Formalisation of Micro Food Processing Enterprises Scheme .............................. 32
19.Pradhan Mantri Garib Kalyan Ann Yojana .................................................................... 34
20.PM Matru Vandana Yojana ........................................................................................... 35
21.Deendayal Antyodaya Yojana-National Rural Livelihoods Mission (DAY-NRLM)....... 37
22.NAMASTE Scheme ......................................................................................................... 39
23.PM Gati Shakti ............................................................................................................... 41
24.PM Awas Yojana – Grameen ......................................................................................... 42
25.Startup India scheme ..................................................................................................... 44
26.National Quantum Mission (NQM) ............................................................................... 45
27.DISHA Scheme ............................................................................................................... 47
28.Parvatmala Scheme ....................................................................................................... 48
29.National Green Hydrogen Mission................................................................................ 48
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30.PM-DevINE ..................................................................................................................... 51
31.Beti Bachao Beti Padhao ............................................................................................... 52
32.PM E-BUS SEVA SCHEME ................................................................................................ 54
33.PM Young Achievers Scholarship Award Scheme for Vibrant India (PM YASASVI) .... 55
33.1 Comparison between PM YASASVI, SHREYAS, EMRS ................................................ 56
Reports and Indices ........................................................................................................ 57
1.All India Survey on Higher Education (AISHE) 2021-2022 .............................................. 57
2. Annual Status of Education Report (ASER) 2023 ........................................................ 59
3.54th World Economic Forum Meeting ............................................................................. 62
Current Snapshots .......................................................................................................... 68
1.Swachh Survekshan Awards 2023 ................................................................................... 68
2.Project BHISHM ................................................................................................................ 69
4.Ways and Means Advances.............................................................................................. 70
5.Self-Regulatory Organizations (SROs) ............................................................................. 71
6.Urban Cooperative Banks ................................................................................................ 73
7.RBI’s Guidelines on State ‘Guarantees’ on Borrowings ................................................. 74
8.SEBI's Simplified Process for OFS to Employees ............................................................. 76
Miscellaneous Question ............................................................................................................. 77
2
News In Focus
India Maldives Issue
(How will Maldives' tourism, economy be affected if India
decides to pull the plug?)
What is the news?
• While promoting tourism in Lakshadweep, highlighting the beauty of beach by Prime

Minister on Social Media platform, some Maldivian social media users, including government
officials, responded with offensive and derogatory comments targeting Indians and the
Prime Minister.
• The controversial remarks set off a major row on social media platforms, as thousands of
Indians cancelled their bookings and flight tickets to Maldives.
•
In 2018, India was the fifth-largest source of tourist arrivals in the Maldives with 90,474 visitors. In
2019, India reached the second spot with 1.66 lakh Indians visiting that country
India – Maldives Relation
1965 Independence from the British ---first diplomatic relation with India --Indian
Mission was set up in Male in 1972
1978 President Maumoon Abdul Gayyoom took charge in Maldives. Gayyoom made
many visits to India which strengthened India-Maldives ties.
1988 In 1988, India sent its troops and ships to help Gayyoom overthrow a coup
attempt by a Maldives businessman and Sri Lankan Tamil fighters.
2008 Mohamed Nasheed was elected President, India began closer security
cooperation with Maldives. India loaned 2 helicopters, Dornier aircraft and patrol
boats to Maldives.
2013 Abdulla Yameen of the opposition PPM was elected to power, The Presidential
Period of Yameen saw major strains in the India-Maldives ties because his Pro -
China policy signed FTA with China & invited Chinese companies in for a number
of major investments
India First Maldives preference for India as the first choice in security partnership, socio-
Policy development assistance and COVID response (Vaccines) during the Ibrahim
(2018) Mohammed Solih government after 2018
India Out Started in 2020 and was promoted by former president Abdulla Yameen Abdul
Campaign Gayyoom, now current the president designate Dr. Mohamed Muizzu rallied
support around the ‘India Out’ campaign.
3
India's contribution to Maldives tourism Others area of Cooperation
• • Touris
Tourism is the mainstay of Maldivian
economy.
• India became Maldives' third largest
trading partner in 2021 and has recorded
a speedy uptick since then.
• The country is now a major tourist o Exports from India to the Maldives
destination for some Indians and a job reached Rs 41.02 crore in 2023.
destination for others. • Maldives is also one of the largest
importers of rice, fruits, vegetables,
• Out of the 17, 57,939 tourists in 2023, poultry products, spices, pharmaceuticals
India led the number of tourists with as well as engineering and industrial
2,09,198 arrivals commodities in India
• Operation sanjeevani during covid 19 -
• India accounted for 20 per cent of total
India supplied 6.2 tonnes of essential
arrivals
medicines to Maldives
• India is developing the Greater Male
Connectivity Project- one the largest
project infrastructure project in Maldives
Now whats the concerns for Maldives
Boycott Led the sudden Supply Chain Inflation

Maldives shock to the disruption
campaign Increase
economy
Less production Less investment Import Value of money

in market
in market Costly decrease
Less Less Less Less

Employment Money in hand Demand Supply
c
GDP will be
slow down
4
Significance of Maldives for India
• Geo-Economic Significance - Half of India's external trade and 80% of India's energy
imports pass through the Sea Lanes of Communication (SLOCs) close to the Maldives
• Geo-Political Significance - part of several groups like the Colombo Security
Conclave (CSC), Indian Ocean Rim Association (IORA), SAARC, SASEC, and India's
SAGAR initiative etc
• Security Significance- Maldives plays a crucial role as the primary defense against
terrorism, piracy in open waters, drug trafficking, narcotics trade, and other maritime
crimes, geographical location makes it a ‘toll gate’ between the choke points of the
western Indian Ocean (Gulf of Aden and the Strait of Hormuz) and the eastern Indian
Ocean (Strait of Malacca).
There are 26,000 Indians living in the Maldives, which means that they contribute
significantly to the economy.
5
Additional information
What is Tariff
• A tariff is like a tax set by a country on goods that are brought in from other countries,
• In India, a tariff is a sovereign-state import or export tax.
o It is a form of foreign trade regulation and a policy that promotes or protects the domestic
industry by taxing foreign products
• Importance of tariff –
• Higher tariff
• Costly imported products
• Less attractive to consumer (because of expensive)
• Domestic demand of that product increase
• GDP expands
Tariffs are intended to reduce global market pressures and the trade deficit.
Historically, they have been justified as a way of preserving the infant industries and enabling
industrialization through import substitution.
Tariffs may also be used to control the artificially low- priced imported goods, due to dumping, export
subsidies, or currency manipulation.
Types of Tariff
Anti-dumping Counter Vailing Duty (CVD)
• This is done to increase sales in another • Countervailing duties (CVDs) are import
country's market or reduce competition. taxes imposed to offset the negative impact
of subsidies.
• Governments impose Anti-dumping duty
to eliminate unfair pricing practices. • They're enforced according to World Trade
Organisation rules and are also known as
anti-subsidy duties.
What is Non-Tariff
• Non-Tariff Barriers: are limitations placed on the import or export of goods and services
without using taxes.
• These restrictions might be rules, guidelines, testing procedures, certifications, or
inspections done before shipping.
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Types Of Non-Tariff
Direct Price Influences Quantity Controls
• Subsidies - are the direct payments • Quotas - It refers to the direct

made by the government to domestic restriction on the quantity of goods that
producers, lower interest loan, tax can be imported into a country during
incentive which can enhance the any period of time.
domestic production. • Voluntary Export Restraints (VERs) - are
• The importing countries counter such deals between countries to limit how
subsidies by levying countervailing much one country exports to another.
duties on imported goods so as to For example, Country X might ask
offset the impact of these subsidies. Country Y to reduce how much it
exports to Country X. This helps Country
X protect its own businesses and
industries.
Some Other Example Of Quantity Controls
Local Content Requirement - it must ensure that at least a certain portion of the product must
be produced or procured locally eg – KG basin oil production.
Labelling and Testing Standards -Some countries require that goods entering into their
boundaries must meet certain requirements in terms of packaging, labeling and testing
standards. Eg – European Union Does that
Administrative Barriers to Trade - to trade are a special category of non-tariff barriers and their
main sources are administrative regulations and procedures that have a restrictive effect on
international trade
Legislation - Under this form of trade policy the government makes its purchases from
domestic producers only.
Specific Permission Requirements -This measure requires that potential importers or exporters
secure permission from governmental authorities.
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Government Schemes
1. Pradhan Mantri Ujwala Yojana
• Launch year :2016 Aim

• PMUY: 1st May 2016 in Ballia, Uttar Pradesh To provide LPG connections
• PMUY 2.0: 2021 Mahoba District, Uttar Pradesh to poor households.
• Ministry of Petroleum and Natural Gas
Target
8 Crore LPG Additional 1.6 crore

Connections by March connections with special Additional 75 lakh
2020. focus on migrant connections
household.
Target beneficiaries
• Adult woman belonging to Mera Manjhi at
th
• Backward classes, SC or ST Households Ayodhya: She is 10
crore beneficiary of
• Pradhan Mantri Awas Yojana (Gramin) the scheme
• Antyodaya Anna Yojana (AAY)
• Tea and Ex- Tea Garden tribes
• Forest Dwellers
• People residing in Islands and River Islands Exclusion
• SECC Households There should not be any other LPG

connections in the same
• Poor Household as per 14-point declaration household.
• Applicant must have attained 18 years of age.
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Benefits
• In addition to support of Rs. 2200 /connection, First refill and stove will be
provided free of cost to new PMUY beneficiaries.
• The government has increased the LPG subsidy for beneficiaries from Rs 200 to Rs
300 per cylinder.
Q.1 With respect to PM Ujjawala Yojana which of the following statement is incorrect?
A) It was launched in the year 2021 from Madhya Pradesh
B) The nodal ministry is Ministry of New and Renewable Energy.
C) It is a centrally Sponsored Scheme
D) A and B
E) All are incorrect
2. MGNREGA Scheme
(Mahatma Gandhi National Rural Employment Guarantee Scheme)
Active workers: 14.32 Crore (2023-24)

• Mahatma Gandhi National Rural
Employment Guarantee Act 2005.
• Guarantees "right to work" to Citizen of India
rural citizens.
18 years of age at the time of application
• Minimum of 100 days of unskilled manual
work to an adult member of an eligible
rural household. Rural Household
• Unemployment Allowance: If work is not .

assigned within 15 days. Willing to do unskilled work
• 1/4 of the minimum wage for the

first 30 days and a half for the
following period.
• Participation of women: at least one-third of the beneficiaries shall be women”.

• Additional 50 days of wage employment (beyond the stipulated 100 days) to every Scheduled
Tribe Household in a forest area
• Provided that these households have no other private property except for the land rights
provided under the FRA Act, 2006.
• Additional 50 days of unskilled manual work in drought or natural calamity notified rural areas
• Announced by MoRD as recommended by Ministry of Agriculture & Farmers Welfare.
9
Social Audit
Why Social audit?
• Section 17 of the MGNREGA has mandated a social
audit of all the works executed under the MGNREGA. A powerful tool for social
• Audit of Scheme Rules, 2011 were developed by the transformation, community
Ministry of Rural Development in collaboration with participation, and government
the Comptroller and Auditor General (CAG) of India. accountability.
• Work provided is usually within a 5 km radius of the applicant's village, with a travel allowance
provided for work beyond this radius.
o Allowance of 10% of the wage needs to be paid.
• Decentralized planning: Gram Sabhas are given the authority to suggest work and are required to
carry out at least half of the work.
• Payments are made on a weekly basis and cannot be delayed more than 15 days.
• Compensation for delayed wage-payment = Daily Wage + 0.05% of the unpaid wage per day
• Complaints can be made and must be addressed within 7 days.
Compensation for delayed wage-
payment = Daily Wage + 0.05% of
the unpaid wage per day
Q.1 Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA), also known as Mahatma
Gandhi National Rural Employment Guarantee Scheme (MNREGS) is Indian legislation enacted on
August 25, (a) _____ .
MGNREGA provides a legal guarantee for (b) _____ days of employment in every financial year to adult
members of any rural household willing to do public work-related unskilled manual work at the
statutory minimum wage. (c) _________ is monitoring the entire implementation of this scheme in
association with state governments
(a). (c).
(b).
A) 1996 A) Ministry of Commerce and
B) 2001 A) 50 Industry
C) 2005 B) 75 B) Ministry of Panchayati Raj
D) 2010 C) 100 C) Ministry of Home Affairs
E) 2013 D) 150 D) Ministry of Finance
E) 200 E) Ministry of Rural Development
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3. Vivad Se Vishwas – I Scheme
• Launch Year: 2023

• Ministry of Finance
• Launched through GeM Portal
• Last date of submission of Claims – 30th June 2023
• The new window for firms to file claims will now be kept open till March 31,
2024.
Eligibility of MSME
• Registered as an MSME as per relevant
Objective
scheme of Ministry of MSME on the date
of claim. To provide relief to all MSMEs in all contracts
for procurement of goods and services
• MSME could be registered for any
entered into by any ministry/department/
category of Goods and Services.
attached office/CPSE etc.
• The original delivery period or completion
Providing relief from unresolved legal issues
period stipulated in contract was between
regarding taxes, interest, and penalties.
19.02.2020 and 31.03.2022 (both dates
are inclusive)
Benefits to eligible MSMEs

• 95% of the performance security forfeited No interest shall be paid on such refunded
shall be refunded amount.
• 95% of the Bid security shall be refunded
In case any firm has been debarred only due to
• 95% of the Liquidated Damages (LD)
default in execution of such contracts, such
deducted shall be refunded
• 95% of the Risk Purchase amount realized debarment shall also be revoked.
shall be refunded
Vivad se Vishwas Scheme- II Vivad se Vishwas Scheme

Aim: To settle contractual disputes of Aim: provides a mode to resolve disagreed and
government and government undertakings. pending direct tax cases speedily and efficiently.
• Boost Ease of Doing Business.
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Q.1 With respect to Vivad Se Vishwas Scheme , Which of the following statement given is
correct?
A. It was launched in the year 2020.
B. Ministry of Micro Small and Medium Enterprise is the nodal ministry.
C. Ministries have been asked to refund performance security deducted with due interest
during the COVID-19 pandemic.
D. A and B
E. None
4. PM-UDAY Scheme
(Prime Minister – Unauthorized Colonies in Delhi Awas Adhikar Yojana)
• Devised by GOI in 2019 for residents of Unauthorized Colonies in Delhi.

• Vision - Ensure that residents of the Unauthorized Colonies live a life of dignity.
• Applications are being invited from the residents on online portal of DDA (Delhi
Development Authority) and further scrutiny is being carried out in online mode only.
DDA has successfully provided

houses under the In-Situ Slum
Rehabilitation Project and is
also in the process of
conferring ownership rights to
the residents of 1,731
unauthorised colonies of Delhi
under PM UDAY.
a. Residents can sale/purchase their properties

Benefits without any hindrance.
The conferment of property rights will b. Residents can avail loans from banks / financial
allow the residents of Unauthorized
Colonies the following: institutions against their properties .
c. Residents can get building plans approved.
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Q. 1 Which state is the PM-UDAY scheme designed to ensure that residents of Unauthorized
Colonies live a life of dignity?
A) Maharashtra
B) Uttar Pradesh
C) Haryana
D) Punjab
E) Delhi
5. PM Kisan Samman Nidhi

th
• Launched in 2019 In the 15 instalment, over 8.0 Cr.
farmers will receive an amount of more
• Launched from Gorakhpur, UP
than Rs. 18,000 Cr
• Central Sector Scheme
• Ministry of Agriculture and Farmers Welfare
• Benefits: Government transfers Rs 6,000 annually in 3 equal installments directly to
the bank accounts of all landholding farmers, regardless of the size of their land
holdings.
Beneficiaries Instalment Period

• All farmers’ families irrespective of the size of Rs.2,000 April-July
their land holding.
• A farmer’s family is defined as “a family
comprising of husband, wife and minor children Rs.2,000 August-November
who owns cultivable land as per land records of
the concerned State/UT” Rs.2,000 December-March
Exclusions
Cut-off Date for determination • Income tax payers
of eligibility • Professionals like Doctor, Engineer,
• 01.02.2019. Lawyer, CA etc.
• No changes shall be • Serving & retired officers of
considered for eligibility Government (Excluding MTS, class
of benefit under the IV and group D employees)
scheme for next 5 years. • All superannuated / retired
pensioners whose monthly
pension is Rs.10,000/- or more.
• Former and Present holder of
constitutional posts.
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Review and Monitoring
• At national level, the review committee is headed by Cabinet Secretary.
• 24x7 Interactive Voice Response System (IVRS) based help line for status verification.
• Farmers can dial 1800-11-5526 or 155261 to know the status of their application.
• PM KISAN Mobile App for direct services to beneficiaries.
“National Farmers Welfare A mandatory physical verification

Program Implementation Society” of 5% beneficiary every year is
society has been formed to further being done as per the provisions
the implementation of the laid down in the scheme.
scheme.
Q. 1 The scheme was launched in 2019 from Gorakhpur, Uttar Pradesh. It is a Central Sector
Scheme of Ministry of Agriculture and Farmers Welfare. Under the scheme, income support of Rs
6000 per annum is provided to all eligible farmer families across the country in three equal
instalments of Rs.2000. Which of the following categories of farmer are eligible.
A. Farmers’ families with land holding above 10 hectares
B. Serving & retired Group D Government employees
C. All retired pensioners whose monthly pension is less than Rs.25,000/-
D. A and B
E. B and C
6. Payments Infrastructure Development Fund (PIDF)

Scheme
What is the news?
• RBI recently extended the Payments Infrastructure Development Fund (PIDF) scheme by
another two years and will include beneficiaries of the PM Vishwakarma scheme.
• First launched by the RBI in January 2021 for a period of three years.

• Aim: To encourage deployment of Point of Sale (PoS) infrastructure, both physical
and digital, in tier-3 to tier-6 centres and north eastern states.
• Governed through an advisory council but will be managed and administered by the
RBI.
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❖ Scheme shall include eligible under PM SVANidhi Scheme, PM Vihwakarma in Tier-1 and Tier-
2 centres.
• Implementation Targets monitored by RBI with assistance from card networks, the
Indian Banks’ Association (IBA) and the Payments Council of India (PCI).
Types of Acceptance Devices Covered

• Multiple payment acceptance devices such as physical PoS, mPoS (mobile PoS), GPRS
(General Packet Radio Service), PSTN (Public Switched Telephone Network), QR code-based
payments, etc.
• Corpus: Rs. 500 crore RBI will also contribute to

yearly shortfalls.
• RBI made an initial contribution of Rs. 250 crore.
• Remaining will come from the card-issuing banks and card networks operating in the
country.
• PIDF will also receive recurring contributions.
• Card networks – 1 basis point (bps) i.e., 0.01 paisa per Rupee of transaction
• Card issuing banks – 1 bps and 2 bps i.e., 0.01 paisa and 0.02 paisa per Rupee of
transaction for debit and credit cards respectively.
Q.1 RBI Extends Payments Infrastructure Development Fund Scheme till ________?
A. 2024
B. 2027
C. 2025
D. 2026
E. 2030
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7. Electoral Bond Scheme

• Electoral Bond: It is bearer instrument in the nature of a Promissory Note and an
interest free banking instrument.
• Eligibility: It can be purchased only by citizen of India or body incorporated or
established in India.
o Individual Person can buy Electoral Bonds, either singly or jointly with other
individuals.
Beneficiary: Only the Political Parties can receive Issue Price
electoral bonds that have been
Can be issued/purchased for any value, in
o Registered under Section 29A of the multiples of
Representation of the Peoples Act, 1951
• Rs. 1,000
o Secured not less than 1% of the votes
• Rs.10,000
polled in the last General Election Lok
Sabha/State Legislative Assembly • Rs.1,00,000
• Rs. 10,00,000
• Rs. 1,00,00,000.
• Issuing Bank: State Bank of India (SBI) has been authorised to issue and encash Electoral Bonds
through its 29 Authorized Branches.
o Electoral Bonds can be encashed by an eligible Political Party only through a Bank account
with the Authorised Bank.
o Validity: Electoral Bonds is valid only for 15 calendar days from the date of issue
16
8. PM’s Employment Generation Programme
• Launch Year – 2008-09 (Extended up to 2026)

• Ministry of MSME
• Nodal agency: Khadi and Village Industries Commission
• Implementing Agency: KVIC, Khadi & Village Industry Boards (KVIB) and District
Industry Centres (DIC)
o All the States/UTs will be covered under the Scheme
Objective
Generating self-employment opportunities through establishment of micro-enterprises in the non-farm

sector by helping traditional artisans and unemployed youth in rural as well as urban areas.
• Maximum cost of the project admissible The balance amount of the total project
o Manufacturing sector - ₹ 50 lakhs cost will be provided by the banks in the
form of term loan and working capital.
o Service sector - ₹ 20 lakhs
Eligibility
• Any individual, above 18 years of age.
• At least VIII standard pass for projects costing above Rs.10 lakh in the manufacturing
sector and above Rs. 5 lakh in the business / service sector.
• SHG, Institutions registered under Societies Registration Act,1860; Production Co-
operative Societies, and Charitable Trusts are also eligible.
Only new projects are considered for sanction.

Existing Units and units that have already availed Government Subsidy under any other
scheme are NOT eligible.
17
Q.1 Which of the following statement is correct regarding PM’s Employment Generation
Programme?
A. The scheme aims to generate self-employment opportunities in farm and non-farm sector in
rural areas only.
B. The nodal and implementing agency for the scheme is SIDBI.
C. The maximum cost of the project in manufacturing sector is ₹ 20 lakhs.
D. All projects either new or old are considered under the project for subsidy.
E. At least VIII standard pass is must for projects costing above Rs.10 lakh in the manufacturing
sector.
9. AMRUT
(Atal Mission for Rejuvenation and Urban Transformation)
• Launched – 2015
• Nodal Ministry - Ministry of Housing and Urban Affairs
• Centrally sponsored scheme
• Aim – To facilitate ease of living to citizens in 500 cities by providing tap connections and
sewer connections.
• Capital cities/towns of states/UTs

• Cities/towns recognized as Heritage Cities by
under the HRIDAY Scheme.
• 13 cities and towns situated along the main rivers,
with a population ranging from over 75,000 to less
than one lakh.
• Ten cities from hill states, islands, and tourist
destinations, with not more than one selection
from each state.
18
AMRUT 2.0
• Launched year – 2021 (till FY 2025-26)

• Total outlay - Rs 2,77,000 crore
o Central share of Rs 76,760 crore.
o Funds will be shared by Centre, State and ULBs.
o Central funds will be released to the States in three tranches of
20:40:40, based on allocation to the State as per State Water Action
Plan.
• Aim - Making the cities ‘water secure’ and ‘self-sustainable’ through circular
economy of water.
19
Target
• To provide reliable 2.68 crore new water tap connections to all in about 4,800 statutory
towns.
• To get universal household coverage of sewerage/ septage services in 500 AMRUT cities
through 2.64 crore new sewer connections.
• To rejuvenate water bodies, green spaces and parks etc
Projects
• ULBs will submit detailed City Water Balance Plans and City Water Action
Plan through online portal
Reforms
• Focused towards financial sustainability and water

security of ULBs.
• Meeting 20% of water demand through recycled water.
• Reducing non revenue water to less than 20%.
• Rejuvenation of water bodies.
• Reforms on property tax, user charges, and enhancing credit worthiness of
ULBs.
Technology Sub-Mission
• It will encourage start-up ideas and commission them into pilot projects
after screening of expert committee .
Information, Education and Communication
• Spreading awareness on conservation of water and enhancing water use

efficiency among the masses.
Pey Jal Survekshan
• Instill healthy competition among cities
20
Evidence based evaluation of outcomes
• It will be done using online monitoring platform combined with citizen

feedback.
Public Private Partnerships
• Projects amounting to at least 10% of total project allocation for all cities
with population above 10 lakh in a State will be mandatorily taken up in PPP
mode
• Million plus cities will take up PPP projects worth minimum of 10% of their
total project fund.
Community Participation
• Women SHGs will be involved in water demand management, water quality

testing and
water infrastructure operations
Outcome based funding
• Defining feature of AMRUT 2.0 .

Q.1 The mission is a step towards AatmaNirbhar Bharat with aim of making the cities 'water secure' and
providing functional water tap connections to all households. This will be achieved through circular economy
of water by effecting water source conservation, rejuvenation of water bodies and wells, recycle/ reuse of
treated used water, and rainwater harvesting by involving community at large. This Mission will be run as
people’s program i.e. Jan Aandolan. Mission also targets to provide 100% sewage/ septage management in
500 cities.
As per the mission, Projects amounting to at least __% of total project allocation for all cities with population
above 10 lakh in a State will be mandatorily taken up in PPP mode.
A. 5
B. 10
C. 15
D. 20
E. 25
21
10. Mission Shakti
• Launch year: 2021-2022 (2025-26)
• Nodal Ministry: Ministry of Women and Child Development
• Aim: To ensure Safety, security and empowerment of women
• Total Outlay: Rs 20,989 crores
• Central Share: Rs 15,761 crores
• State Share: Rs 5228 crores
Mission Shakti
Sambal (safety and security) Samarthya (Empowerment)

• Central Sector • Centrally Sponsored
• One Stop Centre (OSC) • Shakti Sadan, Shakti Niwas,
SwadharGreh
• Gender-based violence in private
and public spaces, within family, • Integrated Relief and
community, and workplace. Rehabilitation Home.
• Women Helpline (WHL) • PALNA scheme (National Creche

Scheme for children of working
• Beti Bachao Beti Padhao (BBBP)
mothers)
• Nari Adalat
• Pradhan Mantri Matru Vandana Yojana
• women-only courts at the village
level as an alternative dispute
resolution forum for issues such as
domestic violence and property
rights
Q.1 Which of the following is not a part of Sambal under Mission Shakti?
A. One Stop Centres
B. Women Helplines
C. Beti Bachao Beti Padhao
D. Shakti Sadan
E. Nari adalat
22
Q.2 Which of the following statement is incorrect about the Mission Shakti of Ministry of Women
and Child Development?
A. "Sambal" component is for empowerment of women and “Samarthya” component is for
safety and security of women.
B. Under Sambal 100% funding will be provided by the Central Government while Samarthya will
be a Centrally Sponsored Component.
C. Palna Scheme is the component of samarthya sub scheme.
D. A and B
E. A and C
11. PRERANA Program

A week-long residential program for selected students of class 9 to 12.
o Heritage meets innovation Aim - to offer a meaningful and
inspiring experience to all
• Nodal Ministry: Ministry Of Education
participants, thereby
o Curriculum prepared by IIT Gandhinagar empowering them with
leadership qualities.
• A batch of 20 selected students (10 boys and 10 girls) will attend the program, every
week from various parts of the country.
• Prerana program will run from a Vernacular School, established in 1888, in one of
the oldest living cities of India, Vadnagar, district Mehsana, Gujarat.
• Students of Class IX to XII may visit prerana.education.gov.in
Programme in nine value based themes
• Swabhiman and Vinay

• Shaurya and Sahas
• Parishram and Samarpan
• Karuna and Sewa
• Vividhta and Ekta
• Satyanishtha and Shuchita
• Navachar and Jigyasa
• Shraddha and Vishwas Swatantrata and
Kartavya
23
Q.1 Which ministry has launched Prerana Program?
A. Ministry Of Social Justice
B. Ministry Of Tribal
C. Ministry Of Education
D. Ministry Of Home Affairs
E. Ministry Of Rural Development
12. Amrit Dharohar Initiative
• Announced as part of the 2023-24 budget under Green Growth

• By: Ministry Of Environment Forest & climate change (MoEF&CC)
• Implementation: Central Government ministries and agencies, State Wetland
Authorities, and a network of formal and informal institutions and individuals.
Vision
To promote unique conservation values of the Ramsar Sites in the country while
generating employment opportunities and supporting local livelihoods.
Nature-tourism and Wetcomponent Five Priority Sites: for taking up training under
the Alternative Livelihood Programme (ALP)
• Implemented jointly by MoT and MoEFCC.
are:
• Indian Institute of Tourism & Travel
• Sultanpur (Haryana)
Management,
• Bhitarkanika and Chilika (Odisha)
o will build the capacity of local • Yashwant Sagar and Sirpur (Madhya
community members around Pradesh)
different Ramsar sites.
24
Q.1 Amrit Dharohar initiative is taken by which ministry?
A. Ministry of Culture
B. Ministry Of Finance
C. Ministry of Home Affairs
D. Ministry of Environment Forest & climate change
E. Ministry of External Affairs
13. ‘SMART 2.0’ Program
• Launched by Central Council for Research in Ayurvedic Sciences (CCRAS) along with
National Commission for Indian System of Medicine (NCISM).
• Promote robust clinical studies in priority areas of Ayurveda with institutions/ hospitals
across the country through mutual collaboration.
• Central Council for Research in Ayurvedic Sciences under the Ministry of Ayush.
Scope for Mainstreaming Ayurveda ‘SMART 1.0’, around 10 diseases were covered
Research among Teaching professionals with the active participation of teaching
professionals from 38 colleges.
Q.1 What is the main goal of the 'SMART 2.0' Programme?

A) To facilitate advancements and collaborations in the space sector.
B) To enhance clinical research in priority areas of Ayurveda in collaboration with
institutions/hospitals.
C) To advocate for environmental sustainability and cleanliness in urban areas.
D) To support sustainable development goals while fostering innovative solutions.
E) To modernize the integration of technology with traditional teaching methods in education.
25
14. “PRITHvi VIgyan (PRITHVI)” Scheme
• Launch: 2021 – 26
• Nodal Ministry - Ministry of Earth Sciences
• Overall cost of Rs. 4,797 crore.
Atmosphere & Climate Ocean Services, Modelling

Polar Science and
Research-Modelling Application, Resources
Cryosphere Research
Observing Systems & and Technology (O-
(PACER)
Services (ACROSS) SMART)
Research, Education,
Seismology and
Training and Outreach
Geosciences (SAGE)
(REACHOUT)
Q.1 "PRITHvi VIgyan (PRITHVI) Scheme" is associated with which ministry?

A. Ministry of Health and Family Welfare
B. Ministry of Agriculture and Farmers Welfare
C. Ministry of Earth Sciences
D. Ministry of Science and Technology
E. Ministry of Environment, Forest and Climate Change
26
15. SVAMITVA scheme
(Survey of Villages and Mapping with Improvised Technology in Village Areas scheme)
• Launch Year: April 24, 2021 (National Panchayati Raj Day)
o Earlier, pilot phase ( 2020-2021) in 9 states.
o Till 2025
• Nodal Ministry - Ministry of Panchayati Raj
• Aim: To cover about 6.62 lakh villages across the country by 2024
The scheme is a ground-breaking initiative that harnesses innovation and new

technologies to transform the landscape of land ownership in rural India.
IMPACT
27
Component • It is a scheme for mapping the land parcels
in rural inhabited areas using drone
• Drone survey and mapping of rural
technology and Continuously Operating
inhabited lands
Reference Station (CORS).
• Updating of land records and property
• CORS network provides regional positioning
registration
service. In CORS Infrastructure, the
• Issuance of property cards to the owners
corrections to the map are instantly sent to
• Development of spatial planning framework
the rover receiver from control centre
for village
which helps to find very accurate
positioning of rover in real me.
Objective Implementation
Empower the rural population by giving them

legal recognition of their land rights
Promotes social harmony and reduces land

disputes.
Enhances the economic opportunities by

allowing rural people to use their land as
collateral for loans and other financial
products
Improves the governance and

administration of rural areas by facilitating
better planning, taxation, and delivery of
public services.
Additional Information
st
• Ministry of Panchayati Raj conferred with 1 Prize in the Innovation Sandbox presentation for
“Digital Transformation Initiatives in Land Governance through SVAMITVA Scheme” at “Public
Policy Dialogues” Conclave of Bharti Institute of Public Policy (BIPP), Indian School of Business
(ISB), Hyderabad.
• SVAMITVA Scheme had won the prestigious Gold Prize in National Awards for e-Governance 2023
in the category “Use of Emerging Technology for Providing Citizen-Centric Services”
28
Gram Manchitra mActionSoft
• Spatial planning initiatives by Gram • A mobile-based solution to capture geo-
Panchayats, leveraging the capabilities tagged photos with GPS coordinates.
of geo-spatial technology. • Establishes a comprehensive repository
• The app supports the Gram Panchayat of work related to natural resource
Development Plan (GPDP) by aiding management, water harvesting,
decision-making. sanitation, agriculture, and more.
Q.1 The initiative, introduced in 2020 with a pilot phase in 9 states, is a Central Sector Scheme for
empowering rural communities in India. With a target completion year of 2024–25, the scheme
has recently received the Best Innovation Award for its Innovation Sandbox presentation during
Public Policy Dialogues–2024 at the Indian School of Business, Hyderabad. This acclaimed
initiative is ______.
A. Payment Infrastructure Development Fund (PIDF)
B. Street Vendor's AtmaNirbhar Nidhi (SVANidhi)
C. Survey of Villages and Mapping with Improvised Technology in Village Areas (SVAMITVA)
D. Vishwakarma
E. MGNREGA Scheme
16. PLI Scheme for Automobiles and Auto Components
• Approved on 15.09.2021 with budgetary outlay of Rs 25,938 crore for a period of 5

years (FY2022-23 to FY2026-27).
• Nodal Ministry - Ministry of Heavy Industries
• Incentive under the scheme is applicable from FY 2022-23 to FY 2026-27 (5 years’
period).
• Extended the tenure of the Scheme by 1 year.
Objective
• To boost domestic manufacturing of advanced automotive technology products and -
attract investments.
• To overcome cost disabilities, create economies of scale, and build robust supply chain
29
Component of Scheme Beneficiaries
• Champion OEM: For electric or • Both existing automotive
hydrogen-powered vehicles. companies as well as new
• Component Champions: For high- investors.
value and high-tech components.
Incentives
• AAT products for which a minimum of 50% Domestic Value
Addition (DVA) is achieved and has been certified by Testing
Agencies (TAs).
Recent Amendments
• Incentive will be applicable for 5 consecutive financial years, starting from the FY 2023-24.
• Approved applicant will be eligible for benefits for 5 consecutive financial years, but not beyond
March 31, 2028.
• If an approved company fails to meet the threshold for an increase in sales in first year, it will not
receive any incentive for that year.
Q.1 Which company has become the 1st Indian electric two-wheeler (e2W) company to
get eligible for the Production-Linked Incentive (PLI) scheme ?
A. Rapido
B. Bajaj Auto Limited
C. Ola Electric Mobility Private Limited(Ola)
D. Hero Electric Vehicles Pvt. Ltd
E. None
• Production-Linked Incentive (PLI) scheme by the Ministry of Heavy Industries (MHI).

• This certification entitles Ola to receive a financial benefit of Rs 15,000 to Rs 18,000 per unit.
• These incentives aim to boost the adoption of Electric Vehicles (EVs) throughout India. Ola
Electric has met all the requirements specified in the PLI Scheme, including ensuring at least 50%
domestic value addition to its vehicles
30
17. RBI Integrated Ombudsman Scheme
Why such scheme?
• First ombudsman scheme was introduced in the 1990s. (customer centric approach)
o Limited valid reasons for consumers to challenge actions of a regulated entity.
o Often, complaints were rejected on technical grounds.
o Theme: “One Nation One Ombudsman”
What is OMBUDSMAN?
• A government official responsible for addressing complaints from the public against the
various public organizations.
• Swedish Concept
• Launch year – 2021

• Objective - Cost-free redress of customer complaints involving deficiency in services
rendered by entities regulated by RBI.
• If the complain not resolved to the satisfaction of the customer or not replied
within a period of 30 days by the Regulated Entities i.e Bank, NBFC
• Section 35A of the Banking Regulation Act, 1949

• Section 45L of the Reserve Bank of India Act, 1934
• Section 18 of the Payment and Settlement Systems Act, 2007
Banking In addition Scheme also includes

Ombudsman additional REs, namely, Non-
Scheme, 2006 Scheduled UCB with a deposit
size of ₹50 crore and above and
Credit Information Companies.
Ombudsman
Scheme for Non-
RB-IOS 2021
Banking Financial
Companies, 2018 Alternate Grienvance Redressal
Consumer Education and
Ombudsman Scheme Protection Department (CEPD)
for Digital against REs not falling under the
Transactions, 2019 ambit of RB-IOS, 2021.
31
Centralized Receipt And Processing Centre Benefits
(CRPC)
• Established in Chandigarh to Brought more REs under its ambit
handle complaints in any language,
for receiving complaints through
Enabling faster resolution of complaints
physical mode (letter/post).
• Customers will be able to file Simplified the process
complaints, submit documents,
track status, and give feedback
Provision for the utilization of AI tools
through a single email address.
18. PM Formalisation of Micro Food Processing Enterprises

Scheme
• Launch year: FY 2020 – 21 to 2024 – 25 (5 years)

• Total outlay: Rs. 10,000 Cr
• Coverage: 2,00,000 micro food processing units will be directly assisted with credit-
linked subsidies. Adequate supportive common infrastructure and institutional
architecture will be supported to accelerate the growth of the sector.
• Objective: To upgrade the micro food processing industry by providing financial, technical
and business support.
Eligible Borrowers
• Farmer Producer Organization (FPO)
• Self-Help Groups
• Co-operatives
• Existing Micro Food Processing Entrepreneurs
• New Units, whether for individuals or groups would only be supported for ODOP.
• Scheme is expected to generate investment of Rs. 35,000 crore and 9 lakh skilled and
semi-skilled employment.
• Benefit 8 lakh units
32
Features
Credit Linked Subsidy Common Infrastructure

Beneficiaries would be Established or propose to
provided subsidy @35% of establish food processing line
the eligible project cost - would be provided credit
maximum of Rs. 10.0 lakhs linked capital subsidy @35%
per unit for upgradation or of the eligible project cost
setting up of new units. (Rs. 10 Cr) with a maximum
of Rs. 3.00 Crore.
Seed Capital for SHGs

ODOP Marketing & Branding
@ Rs. 40,000/- per
member of SHG for Approved for 713 districts 50% financial grant to
working capital in 35 States/UTs with 137 promote existing or
unique products proposed brands
Purchase of small tools
maximum upto 4 Lakhs
per SHG.
Capacity Building
At the National level, National
Institute for Food Technology
Entrepreneurship and
Management (NIFTEM) and
Indian Institute of Food
Processing Technology (IIFPT)
These brands have been launched under

an agreement signed between MoFPI
One District One Product (ODOP) and NAFED.
• Launched in January 2018, by Uttar Pradesh

Government, and due to its success, was later
adopted by the Central Government.
• ODOP was later launched by the Ministry of

Commerce and Industry & Ministry of Food
Processing Industries in 2018.
• The initiative is carried out with the ‘Districts as

Exports Hub’ initiative by the Directorate General of
Foreign Trade (DGFT), Department of Commerce.
33
Q.1 Pradhan Mantri Formalisation of Micro Food Processing Enterprises (PMFME) Scheme
launched on June 29, 2020. The scheme has an outlay of Rs. 10,000 crore and supports 2 lakh
micro food processing enterprises. The scheme also provides financial support of ______ for
working capital and the purchase of small tools for each member of a Self Help Group (SHG).
A. Rs. 10,000
B. Rs. 20,000
C. Rs. 30,000
D. Rs. 40,000
E. Rs. 50,000
19. Pradhan Mantri Garib Kalyan Ann Yojana

• Initially set to expire in Dec 2022
• Scheme was extended till December 2023
• Nodal Ministry - Ministry of Finance
• Scheme run by Ministry of Consumer Affairs, Food and Public Distribution.
• In Jan 2023, PMGKAY was integrated with NFSA.
• Provide 5kg free foodgrains to eligible ration card holders under the NFSA,
2013.
• PM Modi declared the extension of PMGKAY free ration scheme for an additional five
years i.e. Dec 2028
Q.1 Who is the nodal ministry of Pradhan Mantri Garib Kalyan Ann Yojana?
A. Ministry of Rural Development
B. Ministry of Social Justice & Empowernment
C. Ministry of Finance
D. Ministry Of Panchayati Raj
E. A & D
34
20. PM Matru Vandana Yojana
• Launch Year – 2017

• Implemented as per provisions under Section 4 of the National Food Security Act
(NFSA), 2013
• which provides for financial support for pregnant and lactating mothers to
improve the health and nutrition for mother and child as well as
compensation for wage loss, if any.
• Centrally Sponsored Scheme
• Nodal Ministry: Ministry of Women and Child Development.
Target beneficiaries
• Women belonging to socially and economically disadvantaged sections of society.
• Woman for the first two living children provided the second child is a girl.
Criteria of Inclusion
• Women belonging to SC and ST.
• Women who are partially (40%) or fully disabled
• Women holder of BPL Ration Card
• Women Beneficiaries under Pradhan Mantri Jan Aarogya Yojana (PMJAY)
• Women holding e-Shram card
• Women farmers who are beneficiaries under Kisan Samman Nidhi
• Women holding MGNREGA Job Card
• Women with net family income less than Rs. 8 Lakh pa.
• Women holding Ration Card under NFSA Act 2013.
• Any other category as may be prescribed by Central Government
Exclusion
• Central government, state government and PSUs employees
• Who are receiving similar benefits under any other scheme.
35
Rs. 1,000 at the time of
Monetary Benefits registration of the pregnancy
• Rs. 5,000 is given to the expecting mothers from the

time of the initial stage of pregnancy to till the time Rs. 2,000 at the time of
the child is born. completing 6 months of
pregnancy and receiving at
o Additionally, Rs. 1,000 is provided under the
least one antenatal checkup
Janani Suraksha Yojana post-institutional
delivery.
Rs. 2,000 after the birth and
• Cases of miscarriage/stillbirths are to be treated as
registration the child and after
fresh cases for providing maternity benefits under
child receives the first cycle of
the scheme.
immunization for BCG, OPV,
DPT and Hepatitis-B
PMMVY 2.0
• In the 15th financial cycle, PMMVY has been made a component of the Samarthya sub-scheme
of Mission Shakti.
• It seeks to promote positive behavioural change towards girl child.
• Thus, for the second child, the benefit of ₹6000 is to be provided in one instalment post birth.
PMMVY 2.0 Features
• Free of charge meal during pregnancy and six months after childbirth, through the local
Anganwadi is envisaged.
• PMMVY scheme is not implemented by the State of Odisha and Telangana.
PMMVYsoft MIS portal
• NIC is the technology partner for implementing PMMVY scheme digitally through IT
intervention.
Q.1 Which of the following statement is correct regarding Prime Minister Matru Vandana Yojana?
A. It is a centrally sponsored scheme of Ministry of Health and Family Welfare.
B. It is not implemented by the State of Madhya Pradesh and Telangana.
C. PMMVY 2.0 has been made a component of the Sambal sub-scheme of Mission Shakti.
D. All are correct
E. None
36
21. Deendayal Antyodaya Yojana-National Rural Livelihoods
Mission (DAY-NRLM)
• Launch year - June 2011

• Swarnajayanti Grameen Swarojgar Yojana
• NRLM was renamed as DAY-NRLM w.e.f. March 29, 2016.
• Ministry of Rural Development (MoRD)
• Goal: "To reduce poverty by enabling the poor households to access gainful self-
employment and skilled wage employment opportunities”
NRLM Target Households (NTH) are identified through the Participatory Identification of
Poor (PIP) instead of the BPL.
Aims to achieve its objective through investing in four core components viz -
Social mobilization and promotion and strengthening of self-managed community

institutions of the rural poor women
Financial Inclusion
Sustainable livelihoods
Social inclusion, social development and access to entitlements through convergence.
37
Sub Schemes
Aajeevika Grameen Express Yojana
Mahila Kisan Sashaktikaran

Pariyojana (MKSP)
DAY - NRLM
Start-up Village Entrepreneurship

Progam
National Rural Livelihoods Project

(NRLP)
Key benefits of the Scheme

• One member (preferably a woman) from each rural poor household would be brought
under the Self Help Group (SHG) network.
• Women SHG groups would have bank-linkage arrangements
• Participatory social assessment would be organized to identify and rank all households
according to vulnerability
• Support the development of skills for rural youth through rural self-employment institutes
(RSETIs)
• Provision of Interest Subvention on loans availed by SHGs to cover the difference between
the lending rate of the banks and 7%.
Q.1 The scheme has set out with an agenda to cover 7 crore rural poor households
across 100 districts 6000 blocks 2.5 lakh gram panchayats and 600000 villages in the
country through self managed self help groups and federated Institutions and
supported them for livelihood collectives in a period of 8 to 10 years. It's started in
20/11 and aim that increasing rural household income. Which of the following is not
subscene under the scheme
A. Aajivika Gramin Express Yojana
B. Sansad Aadarsh gram Yojana
C. Mahila Kisan Sashaktikaran Pariyojna
D. Startup Village entrepreneurship program
E. National Rural Livelihood Mission
38
22. NAMASTE Scheme
(National Action Plan for Mechanized Sanitation Ecosystem)
• Launch Year: 2022 (upto 2025-26)

• Ministry of Social Justice and Empowerment and the Ministry of Housing and
Urban Affairs
o Implementing Agency: National Safai Karamcharis Finance and
Development Corporation (NSKFDC)
o Outlay of around Rs 360.00 crore
• Coverage: all 4800+ ULBs of the country.
• Aim: To eradicate unsafe sewer and septic tank cleaning practices.
Expected outcomes:
• Zero fatalities in sanitation work in India.
• No sanitation workers come in direct contact with human faecal matter.
• Sanitation workers are collectivized into SHGs and are empowered to run sanitation
enterprises.
• All sanitation workers have access to alternative livelihoods.
• Strengthened supervisory and monitoring systems at all levels.
• Increased awareness among sanitation services seekers to seek services from registered and
skilled sanitation workers.
Initiatives taken • Government has formulated various

structure like -
• MoHUA has shortlisted type of machineries
and core equipments required for o Responsible Sanitation Authority
maintenance works, safety gear for Safai (RSA)
Mitras.
o Emergency Response Sanitation
o The same is also available on the Unit (ERSU)
GeM portal.
• To ensure that only trained professionals
• Identified manual scavengers and their are exposed to any potential hazard with
dependents will be provided skill appropriate safety gear.
development training for a period upto
two years with monthly stipend of Rs.3000.
39
Financial Assistance
• ULBs and Safai Mitras can avail loans provided by MoSJE under its Swachhta Udyami Yojana
to make them “Saniprenure”.
• Concessional loan upto ₹15.00 lakh would be provided to individual sewer and septic
tankers.
o For group loan upto ₹50.00 lakh
• Maximum interest rate of 6% p.a.
• The loan would be repaid in 7 years.
In 2014, SC order made it mandatory for the government to identify all those who died in sewage
work since 1993 and provide Rs. 10 lakh each as compensation to their families.
What is the primary objective of NEW SWARNIMA LOAN SCHEME?

A. Provide a loan to Tribal Groups
B. Promote entrepreneurship among youth
C. Inculcating the spirit of self-dependence among the women of Backward Classes under Term
Loan.
D. Provide the loan to the MSMEs sector
E. Promote education among women under the NEP 2020 policy
40
23. PM Gati Shakti
• Launch year -13th October 2021

o (Implementation - 21st October 2021).
• It will also leverage technology extensively including spatial planning tools with ISRO
imagery developed by BiSAG-N (Bhaskaracharya National Institute for Space
Applications and Geoinformatics).
• Aim - break the inter-ministerial tangles and silos and foster cooperation and
integration in the fast track implementation of projects
A digital platform to bring 16 Ministries together for integrated planning and coordinated
implementation of infrastructure connectivity projects.
7 engines of PM Gati Railways

Shakti
Roads
Ports
PM Gati
Shakti Waterways
Airports
Mass Transport
Logistics Infrastructure
6 Pillars of PM Gati Shakti
Comprehensiveness Prioritization Optimization

Include all the existing and Different Departments will be National Master Plan will assist in
planned initiatives of various able to prioritize their projects planning after identification of
Ministries and Departments through cross-sectoral critical gaps.
with one centralized portal. interactions.
41
Synchronization Analytical Dynamic
Synchronizing the activities of Entire data at one place with GIS All Ministries and Departments
each department, as well as of based spatial planning and will now be able to visualize,
different layers of governance, analytical tools having 200+ review and monitor the
in a holistic manner layers, enabling better visibility progress, through the GIS
to the executing agency. platform,
24. PM Awas Yojana – Grameen

Indira Awas Yojana 1985
• Launch year – 2016
• Ministry of Rural Development
• Aim: To provide pucca house with all basic amenities to all households in rural areas
by 2022.
o But the date has been extended to 31 December 2024.
• Target: Constructing 2.95 crore PMAY-G houses with all basic amenities by the year
2024.
Centrally Sponsored Scheme The unit size is 25
sq.m including a
dedicated area for
hygienic cooking.
Unit assistance given Additional assistance Beneficiary is entitled Beneficiary would be

to beneficiaries is of Rs.12,000/- is to 90/95 days of facilitated to avail loan
Rs.1,20,000 in plain extended for unskilled labour from of up to Rs.70,000/-
areas Rs.1,30,000 in construction of MGNREGA. for construction of the
hilly states/difficult toilets house (optional)
areas.
Allocation of scheme fund

• 95% inclusive of 4% for administration expenses will be given to states / UTs for construction of
houses
• 5% - reserve fund for special projects.
42
Beneficiaries
• Identification as per SECC,2011
• Awaas+ survey was also conducted to identify those otherwise eligible households who got left out in
the SECC 2011 based permanent wait List of PMAY-G.
Automatic inclusion
• Household without shelter
• Destitute / living on alms
• Manual scavengers
• Primitive tribal groups
• Legally released bonded labourer
Q.1 Prime Minister Shri Narendra Modi will release the first instalment to ________
beneficiaries of Pradhan Mantri Awas Yojana - Gramin (PMAY - G) under Pradhan
Mantri Janjati Adivasi Nyaya Maha Abhiyan (PM-JANMAN) on 15th January, 2024
A. 2 lakh
B. 3 lakh
C. 4 lakh
D. 1 lakh
E. 5 lakh
Q.2 Which of the following statement is incorrect regarding Pradhan Mantri Awas
Yojana Grameen?
A. It was launched in the year 2016 to provide pucca house with all basic amenities
to all households in rural areas by 31st December 2024.
B. It is launched by Ministry of Panchayati Raj.
C. Identification for beneficiary is as per SECC,2011 and Awaas+ survey.
D. Unit assistance given to beneficiaries under the programme is Rs 1,20,000 in plain
areas.
E. None as All are correct
43
25. Startup India scheme

• Department for Promotion of Industry and Internal Features: Micro-finance, low-
interest rate loans to
• Features: Micro-finance, low-interest rate loans to entrepreneurs from low

socioeconomic backgrounds
• Initial capital of 20,000 crores (US$3.1 billion in 2020)
• 16th January - National Start-up Day
A company is defined to be a startup if it is:

• Headquartered in India,
• Opened less than 10 years ago
• Annual turnover of fewer than ₹100 crores
Start Up India Action Plan 3 Core Areas
Simplification and Handholding
• Compliance Regime based on Self-Certification

• Startup India Hub
• Rolling-out of Mobile App and Portal
• Legal Support and Fast-tracking Patent Examination at Lower Costs
• Relaxed Norms of Public Procurement for Startups
• Faster Exit for Startups
Funding Support and Incentives
• Providing Funding Support through a Fund of Funds with a Corpus of INR 10,000 crore
• Credit Guarantee Fund for Startups
• Tax Exemption on Capital Gains
• Tax Exemption to Startups for 3 years
• Tax Exemption on Investments above Fair Market Value
44
Industry-Academia Partnership and Incubation
• Organizing Startup Fests for Showcasing Innovation and Providing a Collaboration Platform
• Launch of Atal Innovation Mission (AIM) with Self- Employment and Talent Utilization (SETU)
Program
• Building Innovation Centres at National Institutes
• Setting up of 7 New Research Parks Modeled on the Research Park Setup at IIT Madras
• Promoting Startups in the Biotechnology Sector
• Launching of Innovation Focused Programs for Students
• Annual Incubator Grand Challenge
Q.1 On the occasion of gth National Startup Day 2024 i.e. on January 16, 2024, the results of the 4th
edition of 'States' Startup Ranking 2022 declared – who are the top 3 best performing states ?
A. Gujarat, Karnataka, Kerala

B. Karnataka, Telangana, Tamil Nadu
C. Kerala, Tamil Nadu, Andhra Pradesh
D. Kerala, Uttar Pradesh, Karnataka
E. Tamil Nadu, Kerala, Uttar Pradesh
26. National Quantum Mission (NQM)
• Launch year - 19th April 2023

• Duration - 2023-24 to 2030-31
• Implemented by - Department of Science and Technology, Ministry of Science and
Technology
• Total Outlay: Rs.6003.65 Crore
• Aim - To seed, nurture and scale up scientific and industrial R&D and create a vibrant
& innovative ecosystem in Quantum Technology (QT)
Quantum technology is a branch of science and engineering focused on the principles of quantum
mechanics. Quantum mechanics explores how matter and energy behave on the smallest scale.
India is the seventh country to have a dedicated quantum mission after the US, Austria, Finland,
France, Canada and China.
45
Developing intermediate-scale quantum computers with 50-1000 physical qubits in
8 years in platforms like superconducting and photonic technology
Satellite-based secure quantum communications between ground stations over

Objectives
a range of 2000 kilometers within India
long-distance secure quantum communications with other countries
Inter-city quantum key distribution over 2000 km as well as multi-node Quantum

networks with quantum memories.
Setting up of four Thematic Hubs (T-Hubs) in top academic and National R&D institutes in the
domains –
• Quantum Computing,
• Quantum Communication,
• Quantum Sensing &Metrology
• Quantum Materials & Devices.
Benefits
• Elevate the country's Technology Development ecosystem to a level of global
competitiveness.
• Benefit various sectors including communication, health, financial, energy with
applications in drug design, space, banking, security etc.
• Boost to National priorities like Digital India, Make in India, Skill India and Stand-up
India, Start-up India, Self-reliant India and SDG.
Q.1 Which of the following statement is correct regarding National Quantum Mission?
A. It was launched in the year 2023.
B. The nodal ministry is Ministry of Electronics and Information Technology.
C. The total outlay is Rs.6003 Crore.
D. A and C
E. A and B
46
27. DISHA Scheme
(Designing Innovative Solutions for Holistic Access to Justice (DISHA) Scheme)
• Duration: 2021-2026
• Aim: Promoting legal literacy and awareness among the public.
• Financial Outlay: Rs. 250 Crore
• Ministry of Law and Justice.
Legal Literacy and Legal Awareness Program (LLLAP) has had a significant impact by reaching over
6.5 lakhs individuals through 14 implementing agencies under the DISHA scheme.
1.Tele-Law: Reaching the Unreached 3 components
• To strengthen pre litigation legal advice & consultation

• Facilities available at the Common Service Centres via Tele-Law Mobile App
2. Nyaya Bandhu Programme

•Pro Bono Legal Services to provide free legal assistance to the marginalized sections.
•Nyaya Bandhu Mobile Application.
3. Legal Awareness Programmes
•At National, State and District and Taluk level, constituted under the Legal Services
Authorities, Act, 1987.
47
28. Parvatmala Scheme
• Launch Year: 2022-23

• National Ropeways Development Programme – “Parvatmala” – which will
be taken up on PPP mode.
Uttarakhand, Himachal - Pradesh,
• Ministry of Road Transport and Highways Manipur, J&K and North Eastern
• Implementation: states
• Focus will be on PPP through the Hybrid Annuity Model, (government

providing 60% of the funding support).
Aim: To undertake more than 250 projects under the “Parvatmala Pariyojana” initiative in the
next 5 years, involving the construction of over 1,200 km of ropeway.
29. National Green Hydrogen Mission

• Ministry of New and Renewable Energy
• Aim: To facilitate demand creation, production, utilization and export of Green
Hydrogen.
Sub Schemes
• Financial Outlay: Rs. 19,744 Crores
• SIGHT Programme: Rs. 17,490 Crore
• Pilot Projects: Rs. 1,466 Crore
• Research & Development: Rs. 400 Crore
• Mission Component: Rs. 388 Crore
48
Phase I (2022-23 to 2025-26)
Phase II (2026-27 to 2029-30)
Focus: Creating demand while enabling
Undertake pilot projects in other potential
adequate supply.
sectors.
Aim: To lay the foundation for future energy
R&D activities will be scaled up for
transitions by creating the required R&D
continuous development of products
impetus.
Strategic Interventions for Green Hydrogen Transition

Programme (SIGHT)
• It will fund the domestic manufacturing of
electrolysers and produce green hydrogen.
49
Pilot Projects
• Outlay of ₹ 455 crore up to 2029-30 for low
carbon
steel projects.
• Outlay of ₹ 496 crore up to 2025-26 for
mobility pilot projects.
• Outlay of ₹ 115 crore up to 2025-26 for
shipping pilot projects.
• Other target areas include: decentralized
energy applications, hydrogen production
from biomass, hydrogen storage
technologies, etc.
V
Green Hydrogen Hubs

• States and regions capable of supporting large
scale production and/or utilization of hydrogen
will be identified and developed as Green
Hydrogen Hubs.
• Outlay of ₹ 400 crore up to 2025-26 for Hubs and
other projects.
Creation of export opportunities
Decarbonisation of various sectors
Development of Indigenous Manufacturing Capabilities.

Benefits
Reduction in dependence on imported fossil fuels.
Employment opportunities.
Development of cutting-edge technologies
50
Q.1 SIGHT program is similar to a Production Linked Incentive (PLI) scheme for the green
hydrogen sector. What does T in the acronym SIGHT stands for?
A. Technology
B. Transformation
C. Transition
D. Transparency
E. Targeted
30. PM-DevINE
• Launch Year – 2022 (From 2022-23 to 2025-26)

• Ministry of Development of North Eastern Region
• Central sector scheme
• Total Outlay – Rs.6600 crore
o Initial allocation – Rs.1500 Crore
o Fund allocation will be communicated every year by the Ministry of Finance to
Ministry of DoNER.
Objective
• Fund infrastructure convergently, in the spirit of PM Gati Shakti;

• Support social development projects based on felt needs of the NER;
• Enable livelihood activities for youth and women;
• Project Proposal: By Central or State Governments.

• Implementation: Projects will be implemented by Central Ministries/Departments or North
Eastern Council/State Governments, through implementing agencies identified project-wise.
• Empowered Committee: Chaired by Secretary,
Ministry of DoNER
• It will screen, appraise and recommend project proposals for implementation by
appropriate agency.
• It will also monitor the progress of projects
51
Identification and Formulation Projects
• Maximum and minimum amount sanctioned in any one scheme, intervention or project will
be Rs. 500 crore and Rs.20 crore respectively.
• NER District SDG Index (Baseline Report 2021-22) will be also used for project identification
and formulation under PM-DevINE.
• State Level Empowered Committee (SLEC) will be constituted by State Governments.
31. Beti Bachao Beti Padhao
• Launch Year – 2015

• It is a tri-ministerial effort
o Ministries of Women and Child Development, Health & Family Welfare and
Ministry Of Education.
• Aim - to educate citizens against gender bias and improve the efficacy of welfare
services for girls.
• Initial funding of Rs. 100 crore
with increased funding and an actionable roadmap, the Prime Minister’s flagship Beti Bachao, Beti
Padhao could be the ideal launch pad to kick start the campaign for universal early childhood
education across the country.
Objectives: Components:
1. Improve the child sex ratio 1. Campaigns to address the issue of
2. Ensure gender equality and women declining CSR;
empowerment
3. Prevent gender-biased, sex-selective 2. Multi-sectoral Interventions were planned
elimination and are being implemented in Gender-
critical Districts across the country ;
4. Ensure survival and protection of the girl child 3. A Financial Incentive-linked Scheme
5. Encourage education and participation of the — Sukanya Samriddhi Scheme—was
girl child launched to encourage parents to build A
fund for female children
52
Key beneficiaries under the BBBP initiative
Primary Segment Secondary Segment: Tertiary Segment:
Young and newly married Youth, adolescents (girls and Officials, PRIs, frontline workers,
couples; pregnant and boys), in-laws, medical women SHGs/collectives,
lactating mothers; and doctors/ practitioners, religious leaders, voluntary
parents private hospitals, nursing organisations, media, medical
homes and diagnostic associations, industry
centres. associations and the people at
large.
Benefits:
Under this scheme, several initiatives have been undertaken by districts to build consciousness among
target groups and other stakeholders:
• Digital Guddi-Gudda Board: A digital platform for exhibiting gender disparity in birth rates and
providing information on schemes and programmes created for safeguarding the girl child
• Udaan - Sapne Di Duniya De Rubaru: Initiative offering girls an opportunity to shadow
professionals in fields of their choice
• My Aim My Target Campaign: Recognition programme to felicitate top academic
performances by girls in higher secondary
• schoolsLakshya Se Rubaru: Internship programme for female students in colleges – for
encouraging them to make informed decisions about their careers
• Noor Jeevan Ka Betiyan: A week-long campaign celebrated with gender empowerment theme-
based interactive activities organised in Panchayats, schools, and colleges
• Bitiya and Birba: Awareness campaign on the BBBP initiative, along with environmental
protection. Under this, each mother of a newly born girl child is celebrated and honoured with
a plant
• Aao School Chalein: Enrolment campaign involving door- to-door visits and registrations to
ensure 100% enrolment of girls in schools
• Collector Ki Class: Initiative offering free coaching classes and career counselling for
underprivileged girls in public schools and colleges
• Bal Cabinet: Youth leadership programme where girl students simulate government cabinets
and ministerial roles to discuss and resolve issues
53
32.PM E-BUS SEVA SCHEME
• Launch: 16th August 2023

• Ministry of Housing and Urban Affairs (MoHUA)
• Aim - to augment bus operations by deployment of 10,000 electric buses on PPP
model
• Centraloutlay of Rs. 20,000 crores
•
Reach the
Unreachable
Cover cities of 3
'Ease of Living' as
lakh and above
well as'Ease of
population as per
Doing' cities
Census 2011
45,000 to 55,000
direct jobs
The scheme has two segments
Segment-A Segment-B
Augmentation of City Bus Services and
Green Urban Mobility Initiatives (GUMI)
Associated Infrastructure
• Scheme will support implementation of GUMI
• Scheme will augment city electric bus
projects for complementing bus services and
operations by extending Central Assistance
demonstrating reduction in GHG emissions in
(CA) for 10,000 electric bus operation on
urban areas.
PPP model, bus depot and behind-the-
• Support implementing National Common
meter power infrastructure.
Mobility Card (NCMC) based Automatic Fare
Collection System (AFCS), bus priority
infrastructure, etc.
54
33.PM Young Achievers Scholarship Award Scheme for
Vibrant India (PM YASASVI)
• It is a comprehensive initiative aimed at providing top- tier school education to

vulnerable groups comprising Other Backward Class (OBCs), Economically
Backward Class (EBC), and Denotified, Nomadic, and Semi- Nomadic Tribes
(DNT/S-NT).
• Duration of the scheme: 2021-2022 to 2025-26
• Ministry Of Social Justice & Empowerment
A total of ₹32.44 Crore has been released for Pre-matric Scholarships and ₹387.27 Crore for Post-
Matric Scholarships to States/ UTs in 2023
Scheme Components: Eligibility:

(i) Pre-Matric Scholarship for OBC, EBC and • Other Backward Class (OBC), Economically
DNT Students Backward Classes (EBC) and De Notified,
Nomadic & Semi-Nomadic Tribes (DNT)
(ii) Post-Matric Scholarship for OBC, EBC and
DNT Students • Parents’/ guardians’/ annual Income not
more than Rs. 2.50 Lakhs.
(iii) Top Class School Education for OBC, EBC
and DNT Students • Studying in a Top Class School in Class 9 or
11. (https://yet.nta.ac.in )
(iv) Top Class College Education for OBC, EBC
and DNT Students Benefits - Scholarship amounts:
(v) Construction of Hostel for OBC Boys and o Students in Class 9: ₹75,000
Girls
o Students in Class 11: ₹1,25,000
YASASVI Entrance Test (YET)
• By merit in the YASASVI Entrance Test (YET)-2023 conducted by National Testing Agency.
• Mode of exam: paper pen (OMR)
• Qualifying Marks: To be declared as qualified, a candidate must secure a minimum of 35% marks in the
written test.
• Language: The question paper will be bilingual, available in both Hindi and English.
• Syllabus: The syllabus for the examination is as follows:
o For admission to Class 9: NCERT Syllabus of Class 8th
o For admission to Class 11: NCERT Syllabus of Class 10th
55
33.1 Comparison between PM YASASVI, SHREYAS, EMRS
Criteria PM YASASVI SHREYAS EMRS
,
Target Groups OBCs, EBC, DNT/S-NT SC, OBC Tribal Students
Duration 2021-22 to 2025-26 2021-22 to 2025-26 Started in 1997-98
Funding (2023) ₹32.44 Crore (Pre- matric),

₹387.27
Crore (Post-matric)
Ministry Ministry Of Social Justice & Ministry of Social Ministry of Tribal Affairs
Empowerment Justice and
Empowerment
Income Ceiling Rs. 2.5 Lakh Rs. 8 Lakh
Components Top Class School Education, Free Coaching, Top- Academic education, all-
Top Class College Education, Class Education, round development,
Construction of Hostels National Overseas sports, and skill
Scheme, National development
Fellowship
Scholarship Students in Class 9: Not specified Not specified

Amount
₹75,000
Students in
Class 11: ₹1,25,000
56
Reports and Indices
1. All India Survey on Higher Education (AISHE) 2021-2022
• Ministry of Education since 2011.
• Aim: To portray the status of higher education in the country.
• Indicators: Institution Density, Gross Enrolment Ratio, Pupil-teacher ratio, Gender Parity
Index, Per Student Expenditure
Higher Education is defined as education, that is obtained after completing 12 years of

schooling or equivalent
57
• Enrollment Trends
o Total enrollment in higher education: 4.33 crore in 2021-22.
o Female enrollment: 2.07 crore in 2021-22.
o Increase of 91 lakh students (26.5%) since 2014-15.
o Gender Parity and Diversity
o Gender Parity Index (GPI): 1.01 in 2021-22.
o Significant increases in enrollment for female SC, ST, OBC, and Minority students.
o Female enrollment surpasses male enrollment in North East States.
• Educational Streams:
o 78.9% of students in undergraduate courses; 12.1% in postgraduate courses.
o Top undergraduate disciplines: Arts (34.2%), Science (14.8%), Commerce (13.3%),
Engineering & Technology (11.8%).
o Top postgraduate stream: Social Science (21.1%).
• Ph.D. Enrollment:
o Total Ph.D. enrollment increased by 81.2% in 2021-22.
o Female Ph.D. enrollment doubled.
• Faculty:
o Total faculty: 15.98 lakh in 2021-22.
o Female faculty increased to 6.94 lakh, a 22% increasesince 2014-15.
o Female per 100 male faculty: Improved from 75 in 2020- 21 to 77 in 2021-22.
• Other Highlights:
o Gross Enrollment Ratio (GER): 28.4 in 2021-22 (from 23.7 in 2014-15).
o Female GER: 28.5 in 2021-22 (from 22.9 in 2014-15).
o 341 Universities/University level institutions established since 2014-15.
o Total pass-outs: 1.07 crore in 2021-22 (from 95.4 lakh in 2020-21).
58
3. Annual Status of Education Report (ASER) 2023
Background:
• By 2004, India was well on its way towards achieving universal primary school
enrolment.
• But no information was available on scale about the outcomes of primary
education.
Launched in 2005
Citizen led Survey

in Rural India
• Enrolment Status: 3 to 16 years

• Basic Reading and Arithmetic skill: 5 to 16 Years
• Foundational literacy and Numeracy: 14-18 years
About ASER 2023: Beyond Basic
• Conducted in 28 districts across 26 states, reaching a total of 34,745 youth in the age
group 14-18 years.
From Uttar Pradesh and Madhya Pradesh, two rural districts have been surveyed.
• One rural district has been surveyed in each major state.

• Data was collected regarding youths’ current activity and their ability to do basic and
applied tasks.
• Overall, 86.8% of 14 to 18 year olds are enrolled in an educational institution.
More students transiting to secondary education
• Most in this age group were enrolled in the Arts/Humanities stream in Std XI or higher
• Arts/Humanities stream (55.7%)
Females are less likely to be enrolled in the
• STEM (31.7%)
STEM stream (28.1%) than males (36.3%)
• Commerce (9.4%)
• Vocational training or other related courses: Only 5.6% of surveyed youth report taking.
59
What is in the Survey?
Youths were surveyed on mainly 4 abilities –
• Foundational skills in literacy and numeracy

• Application of basic skills to everyday calculations
• Reading and understanding written instructions
• Financial calculations done in real life
Foundational skills in literacy and numeracy

• About 25% of this age group still cannot
read a Std II level text fluently in their
regional language.
• Only 43.3% of 14-18-year-olds are able to
do such problems of Std III/IV correctly.
• 57.3% can read sentences in English.
o Almost three quarters can tell their
meanings (73.5%).
• Females (76%) do better than males
(70.9%) in reading a Std II level text in their
regional language.
o In contrast, males do better in
arithmetic and English reading.
Application of basic skills to everyday calculations

• Nearly 85% of surveyed youth can measure
length using a scale when the starting point
is 0 cm.
• This proportion drops sharply to 39% when
the starting point is moved.
Reading and understanding written instructions
• Among youth who can read a Std I level text
or more
• About two thirds can answer at least
3 out of 4 questions based on the
packet.
• More males (69.2%) can answer at
least 3 out of 4 questions than
females (61.7%).
60
Financial calculations
• Over 60% are able to do the budget task, about 37% can apply a discount, but only
about 10% can calculate repayment
Special focus was paid to youth access to digital

devices and skills to do digital tasks
• Males (43.7%) are more than twice as

likely to have their own smartphone
than females (19.8%)
• Availability of a computer/laptop in the
households is much lower, with only 9%
having one at home.
• However, the survey noted that "only
about half of all youths who used social
media are familiar with online safety
settings.
Significance
• India's anticipated "demographic dividend" and "digital dividend" can achieve their full
potential if certain measures are taken, specifically in bridging the gap of deficiencies.
• ASER 2023 could provide cues to policymakers in implementing NEP’s visions.
• At the same time, they should also remain alert against lapsing into technological
fundamentalism.
Way Ahead/ Conclusion

• National Achievement Survey (NAS) and ASER use different metrics and methods for
assessing learning, both point to the fact that basic learning levels of elementary school
children need significant improvement.
61
3. 54th World Economic Forum Meeting
What is the news?
• “India is transforming rapidly as one of the fastest growing large economies in the world.
When it comes to technology, talent, healthcare, and other areas, its future in 2024—
and beyond—is worth paying attention to.” McKinsey & Company report.
• Theme - Rebuilding Trust
• DAVOS, SWITZERLAND
th
• 54 Annual Meeting of the World Economic Forum held during the 15–19 January 2024
WEF Annual Meeting: DAVOS 2024
Achieving Security AI as a Driving Force A Long-Term Strategy

& Cooperation in a Creating Growth and for the Economy and for Climate, Nature
Fractured World Jobs for a New Era Society and Energy
Awards Given During the Davos Summit

Renée Fleming was Maya Lin was honoured
Idris Elba and Sabrina
given the 2023 Crystal with the 2023 Crystal Award
Dhowre Elba were honoured
Award for for her extraordinary
with the 2023 Crystal Award
championing the creative talent in combining
for their leadership in
power of music and science, art, and architecture
addressing food security,
its relation to health, and her exemplary
climate change, and
community, and leadership in the promotion
environmental conservation.
culture. of nature and environment.
Major Reports Released
• Global Risk Report 2024
• The Future of Growth Report 2024
• Global Cybersecurity Outlook 2024
• Global Cooperation Barometer
62
Global Risks Report 2024
WEF Global Risks Perception Survey 2023-2024
Deteriorating Global Outlook

• Various global events in 2023 – lethal conflicts, Extreme Weather Conditions, and societal
discontent, contributed to a negative outlook.
AI Powered Misinformation and Disinformation
• Misinformation and disinformation are listed as the most severe risks over the next two years.
• Boom in Generative AI chatbots means that creating sophisticated synthetic content that can
be used to manipulate groups of people won't be limited any longer to those with specialized
skills.
Global risk is defined as the possibility of the occurrence of an event or condition which, if it
occurs, would negatively impact a significant proportion of global gross domestic product,
population or natural resources.
4 Structural Forces Shaping Global Landscapes

• Climate change, Demographic Bifurcation, Technological Acceleration, and Geostrategic shifts.
Environmental Risks at the Forefront
• Concerns about climate change, biodiversity loss, and critical changes to Earth systems are
evident, with potential irreversible consequences.
63
Economic Strains and Inequality
• Cost-of-living crisis and economic risks such as Inflation and economic downturn are
significant concerns for 2024.
• Economic uncertainty will disproportionately affect low- and middle-income
countries.
Security Risks and Technological Advances
• Interstate armed conflict is identified as a new entrant into the top risk rankings over
the next two years.
Recommendations
• Localized strategies: leveraging investment and regulation can reduce the impact of those
inevitable risks.
• Breakthrough endeavors: efforts to prioritize future and focus on R&D.
• Collective actions: Individual citizens, companies and countries at critical mass they can
move the needle on global risk reduction.
• Cross-border collaboration at scale remains critical for risks that are decisive for human
security and prosperity.
The Future of Growth Report 2024
• Most economies are growing in ways that are

neither sustainable nor inclusive.
• High-income economies score high on
innovation and inclusion, while lower-income
economies on sustainability
• Among the lower middle income economies,
India and Kenya scored high on sustainability,
Jordan on innovativeness; Vietnam on
inclusiveness; and the Philippines on resilience.
64
Global Cybersecurity Outlook 2024
Global Cooperation Barometer

• Released by the World Economic Forum
• McKinsey & Company has collaborated
• Methodology: It used 42 indicators from 2012 to 2020 to measure five pillars of
global cooperation.
• Trade and capital: Cooperation grew through the pandemic disruption, but slowed in 2023
and new restrictions make the future path unclear.
• Innovation and technology: flows of data, IP and international students powered an increase
in cooperation until 2020, but new questions have arisen about how to work together.
• Climate and natural capital: the level of cooperation has been rising steadily, but emissions
also continue to rise.
• Health and wellness: cooperation irose swiftly in response to the pandemic, but appears to be
settling back to historical patterns.
• Peace and security: cooperation has declined since 2016 and plummeted recently.
65
Other Highlights
• First Movers Coalition for Industry has grown to almost 100 companies, providing the world’s largest
demand signal for breakthrough climate technologies in high emission industry sectors, such as steel
and cement.
A global initiative to decarbonise the heavy industry and long-distance transport
sectors, responsible for 30% of global emissions
• WEF’s trillion trees platform, announced over 100 companies pledging to conserve, restore and grow
12 billion trees.
• Giving to Amplify Earth Action (GAEA) initiative announced new commitments to unlock billions of
dollars to finance climate and nature solutions
By WEF to raise $3 trillion annually to achieve net-zero emissions, stop environmental destruction, and
restore biodiversity by 2050.
• Network to Mobilize Clean Energy Investment for the Global South was launched to provide a
platform for developing economies.
• AI Governance Alliance: It brings together governments, businesses and experts to shape
responsible AI development applications and governance, and to ensure equitable
distributionand enhanced access to this path-departing technology worldwide.
• Alliance for Urban Innovation announced the opening of applications for its first cohort of
pioneer cities.
Four new centres joined the network for the

Centre of the Fourth Industrial Revolution,
• Germany to focus on public sector
digital transformation,
• Vietnam to focus on green growth,
• Qatar to focus on sustainable
development and economic
competitiveness.
• Ukraine to launch a centre with a
focus on digital transformation of
government and digital literacy.
• Reskilling Revolution initiative announced that it reached more than 680 million people with
opportunities for improving skills, jobs and education.
• Refugee Employment Alliance has hired over 54,000 refugees globally in the last 2 years and
aligned on pathways to deliver on the commitment to hire 125,000 additional refugees by the
end of 2027.
• Global Alliance for Women’s Health the Closing the Women’s Health Gap report: addressing
the women’s health gap could potentially boost the global economy by at least $1 trillion
annually by 2040.
• 66
• Digital FDI initiative is a project launched in 2022 by the Digital Cooperation Organization
(DCO) and WEF.
• Digital FDI Initiative announced new country projects in Oman and Cyprus.
India’s potential
• Launch of a Global Good Alliance for Gender Equity and Equality
• It has garnered support from industry leaders like MasterCard, Uber, Tata, TVS, Bayer, Godrej, the
Serum Institute of India, IMD Laussane, and over 10,000 partners.
• Supported: Bill and Melinda Gates Foundation
• Housed and anchored: CII Centre for Women Leadership.
• Network Partner: WEF
• Institutional Partner: Invest India
o States such as Maharashtra, Tamil Nadu, Telangana, and Karnataka have their
own presence at Davos, positioning themselves as tech hubs for manufacturing
and AI.
o Foreign direct investment has surged in the last few years, increasing from $36
billion in 2014,to $70.9 billion in 2023
67
Current Snapshots
1.Swachh Survekshan Awards 2023
• Annual survey of cleanliness, hygiene and sanitation in cities and towns across India,
launched as part of the Swachh Bharat Abhiyan.
• Launched by Ministry of Housing and Urban Affairs (MoHUA) with Quality Council of India
(QCI).
• Launched on 2nd October 2014 to make India clean and free of open defecation by 2nd
October 2019.
• 1st survey was undertaken in 2016 (covering 73 cities), which had grown to cover 4242 (by
2020).
Key Parameters in Evaluation

• Clean water bodies
• Door-to-door waste collection
• Citizens’ feedback on city cleanliness
• Source segregation
• Cleanliness of public areas
• Theme for the year 2023 was -“Waste to

Wealth”.
• For 2024, the theme is “Reduce, Reuse and
Recycle”.
Performance of cities in Swachh Surveskshan 2023
• Mhow Cantonment Board in Madhya
Pradesh was
adjudged the cleanest cantonment board.
• Varanasi and Prayagraj, Uttar Pradesh, won
the top two awards amongst the cleanest
Ganga towns.
• Chandigarh won the award for the Best
Safaimitra Surakshit Sheher (safest city for
sanitation workers).
68
2.Project BHISHM
(Bharat Health Initiative for Sahyog, Hita and Maitri)
What is the news?
• Two Arogya Maitri Disaster Management Cube- BHISHM, revolutionary mobile
hospitals equipped with cutting-edge technology, have been deployed in Ayodhya to
bolster medical readiness and response capabilities during the upcoming 'Pran
Pratishtha' ceremony.
• Aid Cube is equipped with several innovative tools designed to enhance disaster response
and medical support during emergencies.
• It integrates AI and data analytics.
• This innovative facility comprises 72 cubes and is designed to be airlifted when needed
• It is a significant part of Prime Minister Narendra Modi’s ambitious "Project BHISHM" (Bharat
Health Initiative for Sahyog Hita and Maitri), which was revealed in February 2022.
Q.1 The World's first portable hospital, Aarogya Maitri Aid Cube was unveiled in______________
A. Gurugram
B. Delhi
C. Mumbai
D. Indore
E. Noida
69
4. Ways and Means Advances
• It is a temporary short term loan facility offered by RBI to the government where the
term of loan is just 90 days.
• It was introduced in 1997 and comes under Section 17(5) of the RBI Act of 1934.
• WMA scheme was designed to meet temporary mismatches in the receipts
and payments of the government.
• WMA is not exclusive to the Union government but is also available to state
governments.
• Interest rate for WMA is currently charged at the repo rate.
o If the WMA is extended for more than 90 days, it will be treated as an
overdraft which is charged above repo rate.
Q.1 Consider the following statements regarding Ways and Means Advances:
1. It is a long-term loan facility for the government with RBI.
2. The facility is exclusive to the Union Government.
3. RBI charges interest equal to repo rate on loans given under WMA.
Which of the above statements is/are incorrect?
A. 1 only
B. 2 and 3 only
C. 3 only
D. 1 and 3 only
E. 1 and 2 only
70
5. Self-Regulatory Organizations (SROs)
What are SROs?

• They are non-governmental organisations that are established by the industries they
regulate.
• Role and Responsibility
• Setting and enforcing standards of conduct for their members, and for
promoting the overall health and stability of the industry.
• Association of Merchant Bankers of India (AMBI), Registrars Association

of India (RAIN) etc. are some SROs recognised by SEBI
India's fintech ecosystem: SROs Role Significance
• A common forum for industry players Growth
o Help to develop and promote best practices, which can

Stability
help to reduce risks and improve efficiency.Standardized
Best Practices
Indian Payments Council (IPC) Integrity
Developed a set of guidelines for the adoption of open APIs to

promote innovation and competition in the payments ecosystem.
o For startups and established players adhere to a

common set of rules, thereby reducing compliance
burdens and fostering an environment conducive to
innovation
National Payments Corporation of India (NPCI): SRO for retail payments industry, has a code of conduct
that prohibits members from engaging in unfair or deceptive practices, and it also requires them to take
steps to protect the privacy of their customer's data.
India's fintech ecosystem: SROs Role
• Industry Representation
Increased investments:
• SROs typically comprise members from the catalyze expansion,
industry they regulate.
leading to greater
• This ensures that regulatory decisions
innovation and market
consider the practical challenges and
unique dynamics penetration
Fostering Investor Confidence : Clear and well-enforced
regulatory standards, as overseen by an SRO, boost
investor confidence
71
India's fintech ecosystem: SROs Role
• Risk Mitigation
• SRO can develop risk management frameworks, monitor emerging risks, and
propose necessary safeguards.
• Resolution Mechanisms
• In case of fintech failures or crises, an SRO can establish mechanisms for orderly
resolution, minimizing systemic risks and preventing a domino effect.
72
6.Urban Cooperative Banks
• Four-tiered regulatory framework is based on the size of deposits of the UCBs.
o Tier 1-UCBs deposits up to Rs 100 crore.
o Tier 2–UCBs with deposits more than Rs 100 crore and up to Rs 1,000 crore.
o Tier 3 -UCBs with deposits more than Rs 1,000 crore and up to Rs 10,000 crore.
o Tier 4-UCBs with deposits more than Rs 10,000 crore.
RBI constituted the Expert Committee on UCB in 2021 under the Chairmanship of Shri N. S.
Vishwanathan
Net Worth
• Tier 1 UCBs operating in a single district-minimum net worth of Rs 2 crore.
• For all other UCBs– the minimum net worth should be Rs 5 crore.
Minimum Capital to Risk Weighted Assets Ratio
• Tier 1 UCBs – 9% of Risk Weighted Assets (RWAs).
• Tier 2 to 4 UCBs – 12% of RWAs on an ongoing basis
For categorising UCBs as FSWM category banks

• CAR at least 1% above the minimum CRAR applicable to an UCB.
• NPAs – not be more than 3%.
• Net profit for at least 3 out of the preceding 4 years.
• Not have incurred a net loss in the preceding year.
• Not have defaulted on maintaining CRR and SLR during the preceding year.
• It should have a sound internal control system with at least 2 professional directors on the
board and fully implemented core Banking Solution (CBS).
• No monetary penalty should have been imposed during the last two financial years
73
7. RBI’s Guidelines on State ‘Guarantees’ on Borrowings
• A working group was constituted in July 2022, comprised of members from Ministry
of Finance, Comptroller and Auditor General of India, and some State governments.
• Aim: “expected to facilitate better fiscal management by State governments.”
What Constitutes a ‘Guarantee’?

• A ‘guarantee’ is a legal obligation for a State to
make payments and protect an investor/lender
from the risk of default by a borrower. Indian
Contracts Act, 1872, it is a contract to “perform
the promise, or discharge the liability, of a third
person in case of his default”.
• The entity to whom the guarantee is given is the
‘creditor’, Defaulting entity on whose behalf the
guarantee is given is called the ‘principal debtor’
and
• The entity giving the guarantee (State
governments in this context) is called the ‘surety’.
What is the Purpose of a ‘Guarantee’?

Primarily, guarantees are resorted to in three scenarios
at the State level:
RBI working group’s report notes that
1. Sovereign guarantee is a precondition for
concessional loans from bilateral or multilateral one of the reasons why the instrument
agencies (to public sector enterprises); has been widely used maybe that an
2. To improve viability of projects or activities with upfront cash payment is usually not
the potential to provide significant social and required in case of guarantees.
economic benefits;
3. To enable public sector enterprises to raise
resources at lower interest charges or on more
favourable terms.
In return, the entities are required to pay a guarantee
commission or fee to the governments
74
Key Recommendations Details
Expanded Definition of - Proposes a broader definition of 'guarantee' covering all

Guarantee instruments creating an obligation on the guarantor.
- No distinction between conditional/ unconditional,

financial/performance guarantees in assessing fiscal risk.
Government Guarantee - Restricts the use of guarantees for finance through state-
Restrictions owned entities.
- Guarantees should not create direct or de-facto

liability on the State.
- Should cover only the principal amount and

normal interest component of the underlying loan.
- Restrictions on guarantees for external commercial

borrowings and private sector companies.
Risk Determination - States to assign appropriate risk weights before extending

guarantees.
- Management of potential stress in case of guarantee

invocation.
- Caps the maximum incremental guarantees issued during a

year.
- Capped at either 5% of Revenue Receipts or 0.5% of GSDP,

whichever is lesser.
Disclosure of - Advises banks/NBFCs to disclose credit extended to State-

Guarantees owned entities backed by State-government guarantees.
- Calls for a comprehensive database capturing all extended

guarantees.
75
8. SEBI's Simplified Process for OFS to Employees
OFS: Existing shareholders use OFS to sell their existing shares in the open market, and the
company does not directly receive any funds from the sale.
Before the new SEBI framework, the sale of shares to employees happened outside the stock
exchange, leading to a cumbersome process.
• Allow promoters to offer shares to employees

through the stock exchange mechanism.
Trade Date (T): Date on which the buyer
• OFS to employees will occur on T+1 day, and seller agree on the terms, and the
aligning with the retail category under a new trade is recorded.
"Employee" category.
Settlement Date (T+1): Day on which the
• Reserved Shares: A specific number of shares actual transfer of securities and funds
will be reserved for employees, and this takes place.
information must be included in the OFS
notice to stock exchanges by promoters.
• Margin Payment: Employees are required to
pay the margin upfront, equivalent to 100% Undersubscription Handling:
of the order value, in cash or cash Unsubscribed portion may be allotted to
equivalents. employees with bids exceeding Rs 2 lakh
on a proportionate basis, with the total
• Maximum Bid Amount: Employees can bid allotment not exceeding Rs 5 lakh.
up to a maximum amount of Rs 5 lakh.
• Allotment Limit: Each employee is eligible for
an allotment of equity shares up to Rs 2 lakh.
Q. What does the acronym "OFS" stand for in the context of financial markets?
A) Offer for Subscription
B) Open Fund Subscription
C) Over Financial Sale
D) Offer for Financial System
E) Offer for Sale
76
Miscellaneous Question
Economic News
Q.1. Which bank launched "Money2India Q.4 DLabs at the Indian School of Business (ISB)
(Canada)", a Mobile Banking App ? in Hyderabad, Telangana launched "Build for
A. HDFC Bank Canada Billions", a startup accelerator program, in
collaboration with the Reserve Bank Innovation
B. ICICI Bank Canada Hub (RBIH) and ___________.
C. Axis Bank Canada A. State Bank Of India
D. Punjab National Bank B. Indian Bank
E. Bank Of India C. Union Bank Of India
D. Bank Of Baroda
Q. 2 RBI has imposed monetary penalties on five E. Axis Bank
cooperative banks for deficiencies in regulatory
compliance. All these penalties was imposed in Q.6 Which insurance company acquire up to
exercise of powers conferred on RBI under the 10% equity stake in a company promoted by
provisions of Section 47(1)(c) read with Sections
the National Housing Bank (NHB)?
46(4)(1) and 56 of the__________?
A. Life Insurance Corporation
A. Reserve Bank of India Act, 1934
B. Tata AIA Life Insurance
B. The Payment And Settlement Systems
Act, 2007 C. Max Life Insurance Company Limited
C. The Recovery Of Debts And Bankruptcy D. HDFC Life Insurance Company Limited
Act, 1993
E. Kotak Mahindra Life Insurance Company
D. Banking Regulation Act, 1949 Limited
E. A & D
Q. 7 What is the name of the financial product

Q.3 RBI proposes tighter norms for deposit- launched as part of the collaboration between the
taking housing finance companies, they will Ministry of Rural Development and the State Bank
have to maintain ____ liquid assets against of India for SHG women entrepreneurs?
public deposits held by them, up from a
A. Sankalp Sampatti
stipulated 13%.
B. Gramin Arthik Unnati
A. 12 % C. Sashakt SHG Loan
D. Svyam Siddha
B. 15 % E. Samruddhi Sahay
C. 18 %
D. 20 %
E. 22% 77
Q. 8 Deposit Insurance and Credit Q.11With respect to Urban Cooperative
Guarantee Corporation (DICGC) insures Banks consider the following statements
which of the following deposits?
A. They are governed and supervised
1. Saving Account under Cooperative Societies Act of
the State concerned or the Multi-
2. Current Account
State Cooperative Societies Act, of
3. Recurring Account 2002.
4. Deposits of Foreign Governments B. Urjit Patel Committee suggested a 4-

tier structure for the Urban
5. Deposits of Central/State
Cooperative Banks.
Governments
C. Overall Priority Sector Lending Target
6. Inter-bank deposits
for UCB is 75%of Adjusted Net Bank
Choose the correct code Credit that needs to be maintain by
March 31, 2026.
A. 1, 2, 4, 5, 6
D. A and B
B. 1, 2, 3, 5, 6
E. B and C
C. 1, 2, 3, 6
D. 1, 2, 3
Q.12 Who has received RBI approval to
E. All establish a finance company at GIFT City in
Gujarat, resulting in a nearly 1% rise in
Q. 9 Indian Renewable Energy
their shares?
Development Agency Ltd. (IREDA) &
______________ join hands in co-lending A. Gujarat Finance Corporation (GFC)
for Renewable Energy Projects. B. TATA Finance Corporation (TFC)
C. Power Finance Corporation (PFC)
A. Bank of India D. GIFT City Development Authority
B. Central Bank of India (GCDA)
E. Gujarat Industrial Development
C. Punjab & Sind Bank Corporation (GIDC)
D. Indian Overseas Bank
E. Union Bank of India Q.13 ____________ has entered into MoU
with Hindustan Zinc to offer financial
Q.10 What is the minimum Capital to Risk inclusion services to its CSR beneficiaries.
Weighted Asset Ratio (CRAR) required for A. Regional Rural Banks
the inclusion of Urban Cooperative Banks
B. Payment Banks
(UCBs) in the Second Schedule of RBI Act,
_____? C. Scheduled Commercial BanKs
A. 3% above the minimum CRAR D. Cooperative Banks

B. 4% above the minimum CRAR E. India Post Payments Bank
C. 5% above the minimum CRAR
D. 6% above the minimum CRAR
E. 7% above the minimum CRAR
78
Q.14 Who is eligible for the SBI Green Q.17 Which bank Introduces ‘Samman RuPay
Rupee Term Deposit (SGRTD)? Credit Card’ For Government Employees ?
A. Only resident individuals A. Kotak Mahindra Bank
B. Only non-individuals
C. Only NRI customers B. Bank Of India
D. A and B
C. IndusInd Bank
E. All of the above
D. Axis Bank
Q.15 _________ launches 'SWAG Pension E. India Bank

Plan' with Customisable Annuity Options.
A. ICICI Prudential Life Insurance Q.18 On January 8, 2024, the Reserve Bank of
B. HDFC Life Insurance India (RBI) increased the minimum capital
requirement for Small Finance Banks (SFBs)
C. ICICI Prudential Life Insurance from Rs 100 crore to Rs_______.
D. Max Life Insurance A. 150 crore
E. None B. 120 crore
C. 200 crore
Q.16 According to the recommendations of
RBI's Working Group on State guarantees, D. 250 crore
what is advised regarding the extension of
E. 300 crore
guarantees to private sector companies and
institutions?
Q.19 Which Bank Introduces 'Inspire'
A. Guarantees can be extended Programme Exclusively for Senior
without any restrictions. Citizens?
B. Guarantees can be extended, but A. SBI
only for external commercial
borrowings. B. Indian Bank
C. Guarantees can be extended for C. Bandhan Bank

more than 80% of the project D. IndusInd Bank
loan.
E. HDFC
D. Guarantees should only be given
for the interest component of the Q.20 Which bank has launched a Super
underlying loan. Special Fixed Deposit (FD) scheme with a
E. Guarantees should not be provided specified maturity period of 175 days at
to private sector companies and 7.5 %?
institutions.
A. Bank of Baroda
B. Bank of Maharashtra
C. Bank of India
79 D. Central Bank of India
E. Punjab National Bank
Q.21Reserve Bank of India (RBI) has decided Q.24 Business Responsibility and Sustainability
to enhance the bulk deposit limit for Tier 3 Reporting (BRSR) is a mandatory reporting
and Tier 4 urban co-operative banks (UCBs) requirement for all listed entities in India. The
to Rs _____ and above from the current ₹15 initiative was introduced by?
lakh and above.
A) Ministry of Corporate Affairs
A. 1 crore
B) Ministry of Finance
B. 50 lakh
C) SEBI
C. 20 lakh
D) RBI
D. 80 lakh
E) Ministry of Commerce and Industry
E. 30 lakh
Q.24 REC Limited (Rural Electrification

Q.22 Reserve Bank of India (RBI) has
Corporation Limited) signed a MoU with
proposed to give permission for banks
______________ to jointly offer loans for
having net non-performing assets (NPAs)
power , infrastructure and logistics projects
ratio less than______ to declare
for a duration of three years (till 2026).
dividends.
A. Bank of Baroda
A. 5 %
B. India Bank
B. 6%
C. Union Bank Of India
C. 4 %
D. Central Bank of India
D. 6.5%
E. None
E. 5.5%
Q.23 Which bank raises USD 250 million Q.25 What does the term "reverse flipping"
through Green Bonds to Finance Green refer to in the context of an Indian
Projects? company?
A. HDFC A) Shifting the domicile of an Indian
company to another country.
B. PNB
B) Establishing a subsidiary of an Indian
C. Axis Bank
company in another country.
D. SBI
C) Shifting the domicile of an Indian
E. Kotak Mahindra company back to India after moving its
headquarters overseas.
D) Merging an Indian company with a
foreign company.
E) Listing an Indian company on a foreign
80 stock exchange.
National News
Q.1 Ministry of Electronics and Q.4 Pradhan Mantri Rashtriya Bal Puraskar
Information Technology (MeitY) (PMRBP) - is given to children with
launched India’s first Graphene exceptional abilities and outstanding
Centre “India Innovation Centre for achievements. The awards are given to
Graphene (IICG)” at _________. children in the age group years for
A. Lucknow, Uttar Pradesh their excellence in seven categories for
Bravery, Art & Culture, Environment,
B. Coimbatore, Tamil Nadu Innovation, Science & Technology, Social
C. Mysuru, Karnataka Service and Sports that deserve national
recognition.
D. Hyderabad, Telangana
A. 5 to 10
E. Kochi, Kerala
B. 6 to 12
C. 6 to 14
Q.2 What is the name of the Artificial
Intelligence-driven platform recently D. 5 to 18
launched by the Central Government E. 6 to 18
to provide digital study materials in
Indian languages?
Q.5 What is the name of the initiative that is
A. Vidyabhasha being launched to provide a unified legal
B. Anuvadini interface for legal information, legal advice,
C. BharatiAI and legal assistance?
D. ShikshaSangam
E. IntellectEdu A. Nyaya Sampark
B. Nyay Setu
Q.3What is the name of the scheme
initiated by the Ministry of Education for C. Nyaya Sambhav
the protection and preservation of D. LegalEase Connect
endangered languages, wherein the
Central Institute of Indian Languages E. LawLink Unity
(CIIL), Mysore, focuses on languages
Q.6 Fit India Mission launched by which
spoken by less than 10,000 people?
ministry ?
A) Project VaniRaksha
A. Ministry of Health and Family
B) LanguageSafeguard Welfare
C) Scheme for Protection and B. Ministry of Ayush
Preservation of Endangered Languages of
C. Ministry of Youth Affairs and Sports
India
D. Ministry of Jal Shakti
D) Linguistic Heritage Protection Program
E. Ministry of Women and Child
E) BharatiBhasha Rakshan Yojana
Development
81
Q10 PM Modi hailed first oil production
Q.7 India’s First Inland Waterways project of ONGC commencing from the
Development Council commits Rs complex and difficult deepwater of
________crore for development of River ___________ .
Cruise Tourism.
A. Krishna – Godavari Basin
A. 25,000
B. Ganga – Brahmaputra Basin
B. 35,000
C. Ganga – Yamuna Basin
C. 45,000
D. Krishna – Kaveri Basin
D. 55,000
E. Krishna – Mahanadi basin
E. 65,000
Q.8 Who organized a National Workshop Q.11 Union Minister of Health & Family
on "Strengthening Mental Health Welfare inaugurates country’s 1st
Services and Care in India" at the Healthy & Hygienic Food Street,
National Institute of Mental Health and 'PRASADAM’ in ____________?
Neurosciences (NIMHANS), Bangalore in A. Tirupati, Andhra Pradesh
collaboration with the Ministry of
Health & Family Welfare (MoHFW) ? B. Rameshwaram, Tamil Nadu
A. NITI Aayog C. Rishikesh, Uttarakhand
B. World Health Organisation D. Ujjain, Madhya Pradesh
C. Ministry Of Education E. Ayodhya, Uttar Pradesh
D. National Institute of Mental

Health (NIMH)
Q.12 Ministry of Electronics & IT has
E. None recently unveiled _________, India's new
integrated web portal for educational
institutes, offering domain registration,
Q.9 Which ministry notified the revised DNS (Domain Name System), and value-
Pharma manufacturing rules under added services.
Schedule M guidelines of the Drugs and
A. FARNET
Cosmetics Rules,1945, in the Gazette of
India to ensure robust quality control for B. CROWNET
pharma and biopharmaceutical products ?
C. INTRANET
A. Ministry of Chemicals and
D. ERNET
Fertilizers
E. TAPNET
B. Ministry of Commerce and
Industry
C. Ministry of Health and Family
Welfare
D. Ministry of Home Affairs
E. None 82
Q. 13 The Union Minister of Ayush and Q.15 What is the name of the fund that has
Ports, Shipping & Waterways laid the provided the funding for the Kochi-
foundation stone for ‘Ayush Diksha’ centre Lakshadweep Islands Submarine Optical Fibre
at which place? Connection project?
A. Bhubaneswar, Odisha A. Telecommunications Development

Fund (TDF)
B. Indore , Madhya Pradesh
B. Universal Services Obligation Fund
C. Lucknow , Uttar Pradesh (USOF)
D. Hyderabad, Telangana C. Digital Infrastructure Support Fund
E. Bengaluru , Karnataka (DISF)
D. Internet Connectivity
Enhancement Fund (ICEF)
Q.14 Government of India's National E. Lakshadweep Communication
Policy on Biofuels (NPB) 2018 set a target Fund (LCF)
of 20% ethanol blending in petrol by
A. 2025 Q.16 Which portal of the Ministry of
Cooperation aims to help Tur producing
B. 2027 farmers of India for registration,
C. 2030 purchase and payment for the
procurement of Tur dal by National
D. 2035 Agricultural Cooperative Marketing
E. 2047 Federation of India Ltd. (NAFED)?
A. e-NAM
Q.15 Which countries have committed to B. e- Samridhi

providing 100 Million Euros for India's C. e – Gem
AMRUT Mission?
D. e – Mandi
E. None
A. UK & Germany
B. France & Germany Q17 Which state/UT being nationally
hailed as the birth place of "Purple
C. France & UK Revolution“ ?
D. Italy & France
A. Uttarakhand
E. Spain & Italy B. Arunachal Pradesh
C. Jammu & Kashmir
D. Sikkim
E. Mizoram
83
Q.18 The government had set an ambitious
Q.21 Which ministry organized the cultural
mission to gasify 100 million tones of coal
event "Divya Kala Shakti"?
by________.
A. Ministry of Culture
A. 2027
B. Ministry of Social Justice and
B. 2025 Empowerment
C. Ministry of Human Resource
C. 2028 Development
D. Ministry of Health and Family
D. 2030
Welfare
E. 2035 E. Ministry of Tourism
Q.19 Which Indian institution has developed

Q.22 With whom has the National
3D-printed face implants for individuals
Highways Authority of India (NHAI) signed
affected by Black Fungus?
a Memorandum of Understanding to
A. Indian Institute of Science (IISc), develop and report a "Green Cover Index"
Bangalore for the extensive network of National
B. Indian Institute of Technology-Delhi Highways in India?
(IIT-D)
C. Indian Institute of Technology- A. Ministry of Environment, Forest
Mumbai (IIT-B) and Climate Change
D. Indian Institute of Technology- B. Indian Institute of Technology (IIT)
Kanpur (IIT-K) Delhi
E. Indian Institute of Technology- C. National Remote Sensing Centre
Madras (IIT-M) (NRSC)
D. Central Pollution Control Board
(CPCB)
E. Ministry of Road Transport and
Q20 Which ministry has organized an
Highways
exclusive event titled "Rewind, Rejoice,
Reboot, and Reimagine" on 17th January
2024 at India International Centre (IIC) ?
Q.23 With whom has REC Limited signed a
A. Ministry of Tourism MOU to finance up to Rs. 35,000 Crores for
Infrastructure Projects over the next 5
B. Ministry Of Home Affairs
years?
C. Ministry Of Science & Technology
A. Power Grid Corporation of India
D. Ministry of Culture B. Delhi Metro Rail Corporation
C. Rail Vikas Nigam Limited (RVNL)
E. Ministry of Environment, Forest and D. Bharat Heavy Electricals Limited
Climate Change (BHEL)
E. National Thermal Power
Corporation (NTPC)
84
Q.26 In a strategic move for data security,
Q.24With respect to Prime Minister’s
paramilitary forces are transitioning to
National Relief Fund (PMNRF), how many of
which app for all official communication
the following statement is/are correct?
and document sharing?
I. PMNRF was instituted in 1948 by then
A. Aarogya Setu
PM Jawaharlal Nehru, to assist
B. Bharat Messenger
displaced persons from Pakistan.
C. Sandes App
II. Fund consists entirely of public D. SecureChat
contributions and does not get any E. SecureConnect
budgetary support.
III. The corpus of the fund is invested
with banks in fixed deposits.
Q.27 As per Ministry for Road Transport
IV. Disbursements are made with the
and Highways Kerala has the highest
approval of the Prime Minister.
amount of financial Burden followed by
V. All donations towards are notified for Haryana and Uttar Pradesh in land
100% deduction from taxable income acquisition cost for national highway
under Income Tax Act, 1961 development works. As per the norm the
State has to bear ______% of the land
A. One only
acquisition cost for national highway
B. Two only development works?
C. Three Only A. 10
D. Four Only B. 25
E. All correct C. 40
D. 60
Q.25 Union Minister Nitin Gadkari has E. 80

announced Rs 1,170.16 Crore for Roads and Rs
181.71 Crore for Bridges in Ladakh. Q.28 A Joint initiative ‘Investment Forum
for Advancing Climate Resilient Agrifood
The funds will be taken from Central Road Systems in India’ is launched in New
and Infrastructure Fund (CRIF). Who Delhi by Ministry of Agriculture and
manages this Fund? Farmers’ Welfare (MoA&FW),Food and
A. Ministry of Road and Transport Agriculture Organization (FAO) &
___________.
B. Ministry of Home Affairs
A. Ministry of Environment, Forest
C. Ministry of Defense and Climate Change
D. Ministry of Railways B. Ministry of Consumer Affairs,
E. Ministry of Finance Food and Public Distribution
C. NITI Aayog
D. Ministry of Commerce and
Industry
85
E. None
Q. 29 World Economic Forum (WEF) has Q.32 Financial Intelligence Unit India (FIU-
chosen ________ for establishing its Center for IND) has issued show cause notices to 9
the Fourth Industrial Revolution focused on offshore cryptocurrency and virtual digital
healthcare and life sciences.
assets service providers (VDA SPs) for not
A. Hyderabad, Telangana being compliant with the requisite provisions
of the Prevention of Money Laundering Act
B. Indore , Madhya Pradesh
(PMLA). FIU-IND works under which
C. Kurnool , Andhra Pradesh Ministry?
D. Chennai , Tamil Nadu A. Ministry of Finance

B. Ministry of Home Affairs
E. Bengaluru , Karnataka C. Ministry of Commerce and Industry
D. Ministry of External Affairs
E. Ministry of Corporate Affairs
Q.30 What is the name of the
groundbreaking initiative launched by the Q.33 Which ministry conducting a fortnightly
Indian Science, Technology, and Engineering “Series of Lectures” (VICHAAR) with aim to
facilities Map (I-STEM), spearheaded by the bring high-quality interactions and insights
Office of Principal Scientific Advisor to about selected areas of developmental
transform research collaboration by issues, challenges and possibilities ?
facilitating easier access to scientific
A. Ministry Of Rural Development
facilities and laboratories?
B. Ministry Of Panchayati Raj
A) Project Genesis
C. Ministry of Development of North-
B) Operation Innovate
East Region
C) Mission Collaboration
D. Ministry of Housing and Urban Affairs
D) Project Samavesha
E. Ministry Of Finance
E) Research Access Network (RAN)
Q.31 Computerization project of Q.34 Which ministry serves as the nodal

Agriculture and Rural Development Banks ministry for the National Transit Pass System
(ARDBs) of all States and Union Territories aimed at establishing a "One Nation-One
in New Delhi on January 30, 2024. This Pass" regime?
program is being organized by
_____________. A. Ministry of Home Affairs
B. Ministry of Road Transport and
A. Ministry of Agriculture & Farmers' Highways
Welfare C. Ministry of Commerce and Industry
D. Ministry of Agriculture and Farmers
B. Ministry of Cooperation
Welfare
C. NITI Aayog E. Ministry of Environment, Forest and
Climate Change
D. Ministry of Rural Development
E. Ministry of Panchayati Raj
86
Q.35 With respect to Project Veer Gatha 3.0 Q.37 ____________presented with “Indian
which of the following statement is/are of the Year Award" for the year 2023 in the
correct? category ‘Outstanding Achievement’
1. It was launched by Ministry of A. DRDO
Defence, Minstry of Home Affairs and
Ministry of Education. B. NITI Aayog
2. It aims to share the stories and acts of C. ISRO

bravery of Gallantry Award winners D. ICMR
with students.
E. IndusInd Bank
3. A cash prize of Rs 10,000, a medal and
a certificate is given to the Super 100
winners selected. Q.38 Which state ranks First in the Inter-
4. The project was established in 2021 Operable Criminal Justice System for 3rd
under the Gallantry Awards Portal Consecutive Year?
(GAP). A. Mumbai
Choose the correct Code B. Kolkata
A. 1, 3, 4 C. Uttar Pradesh
B. 1, 2, 3 D. Madhya Pradesh
C. 2, 3, 4 E. Bihar
D. 1, 2, 4
E. All
Q.39 India is emerging as a global MICE

destination to showcase India’s MSME
Q.36 Ministry of Fisheries, Animal
sector, traditional handicrafts, artisanal
Husbandry and Dairying organized Sagar
offerings, weavers and manufacturing
Parikrama (Phase X) from 1st January 2024 to
prowess. What does the acronym 'MICE'
6th January 2024 at various locations of
stand for?"
Andhra Pradesh and Puducherry. The first
phase of ‘Sagar Parikrama’ started in which A. Meetings, Incentives, Conferences,
state? and Exhibitions
B. Meetings, International,
A. Kerala Conferences, and Events
C. Meetings, Incentives, Conferences,
B. Tamil Nadu
and Events
C. Andhra Pradesh D. Management, Incentives,
Conferences, and Exhibitions
D. Gujarat E. Meetings, International,
E. Maharashtra Conferences, and Exhibitions
87
Q.40 Shoonya Zero Pollution Mobility Campaign launched by ________?
A. Ministry Of Environment Forest & Climate Change
B. Ministry of Railway
C. Ministry of Road Transport & Highway
D. NITI Aayog
E. RBI
State News
Q.1 A recent MoU on Modified Parbati- Q. 3 Which Indian state has introduced the
Kalisindh-Chambal-ERCP (PKC-ERCP) Link Mahtari Vandana Yojana 2024, offering
Project has been signed between Ministry of monthly economic assistance of ₹1000 to
Jal shakti and which of the following states? women, totaling an annual aid of ₹12,000,
1. Maharashtra aiming to empower them through
financial support?
2. Madhya Pradesh
A. Maharashtra
3. Rajasthan B. Chhattisgarh
4. Uttar Pradesh C. Karnataka
D. Uttar Pradesh
5. Gujarat E. Rajasthan
Choose the correct code Q.4 Which state become the first state to
map all accident prone sites in India ?
A. 1, 2
A. Kolkata
B. 2, 3
B. Bengaluru
C. 3, 4, 5
C. Telangana
D. 4, 5
D. Punjab
E. All
E. Kerala
Q.2 Which Indian state has launched the
LABHA (Laghu Bana Jatya Drabya Kraya) Q.5 What certification has Ayodhya
program, a 100% state- funded Minimum Dham Junction Railway Station received
Support Price (MSP) initiative for Minor for environmental sustainability?
Forest Produce (MFP)?
A. Eco-Friendly Station Certification
A. Kerala B. Green Station Building
B. Madhya Pradesh Certification
C. Sustainable Railway Station
C. Odisha Award
D. Environmental Excellence
D. Karnataka
Certification
E. Rajasthan E. Eco-Station Accreditation
88
Q.6 Which state is known as the 'Petro Q.10 Which Union Teritory (UT) become
Capital' of India? the first to implement PM Vishwakarma
Yojana?
A. Maharashtra
B. Tamil Nadu A. Chandigarh
C. Gujarat
B. Delhi
D. Rajasthan
E. Uttar Pradesh C. Jammu and Kashmir
D. Ladakh
E. Puducherry
Q.7 Which state, in collaboration with
Mazgaon Dock Limited (MDL), is set to
introduce India's first submarine tourism
venture? Q.11 Which state CM Launches 200 Eco-
Buses to Combat Pollution ?
A. Maharashtra
B. Tamil Nadu A. Uttar Pradesh
C. Kerala
B. Madhya Pradesh
D. Gujarat
E. Andhra Pradesh C. Assam
D. Telangana
E. Kerala
Q.8 Where was India's first all-girl
Sainik School inaugurated, marking a
Q.12 Which state in India is associated
significant milestone in women
with the following schemes: 'Shakti,'
empowerment?
'Anna Bhagya,' 'Gruha Jyoti,' 'Gruha
A. Vrindavan, Uttar Pradesh Lakshmi,' and 'Yuva Nidhi'?
B. Jaipur, Rajasthan
A. Maharashtra
C. Bhopal, Madhya Pradesh
B. Karnataka
D. Patna, Bihar
C. Kerala
E. Shimla, Himachal Pradesh
D. Tamil Nadu
E. Gujarat
Q.9 Which state government launched

the K-SMART app to integrate services Q.13 Where has Adidas established its
of the three-tier local self-government first Global Capacity Centre (GCC) facility
institutions on a digital platform? outside of China in Asia?
A. Tamil Nadu Government A. Bengaluru
B. Karnataka Government B. Hyderabad
C. Maharashtra Government C. Chennai
D. Kerala Government D. Pune
E. Gujarat Government E. Delhi
89
Q.14 Rs 400 crore Demonstration Fast Q.18 West Bengal chief launched
Reactor Fuel Reprocessing Plant is ‘Yogyasree’ for ______?
inaugurated in which state?
A. Other backward class student
A. Andhra Padesh
B. Girl student
B. Odisha
C. SC /ST student
C. Gujarat
D. A & C
D. Haryana
E. A & B
E. Tamil Nadu
Q.19 Baayu, launched by Assam government

Q.15 Which state in India is gearing up in collaboration with Bikozee Ecotech, is
for the fifth edition of 'Gunotsav 2024' most closely associated with:
aimed at evaluating the performance of
approximately 40 lakh students across A. A groundbreaking healthcare app
government schools? focusing on telemedicine services for
rural areas.
A. Bihar B. An innovative solution addressing air
B. Assam pollution through advanced filtration
C. Kerala systems.
D. Rajasthan C. India's first 100% electric and
E. Uttar Pradesh decentralized bike taxi service,
aiming to reduce vehicular emissions.
D. A mobile application designed to
Q.16 According to the Avtar Group's Top monitor and reduce water pollution
Cities for Women in India (TCWI) 2023 in rivers.
report, which city was ranked as the top E. A startup dedicated to promoting
Indian city for women in terms of renewable energy solutions for
inclusivity and conduciveness to working households.
women?
A. Mumbai
B. Delhi
C. Bangalore
D. Kolkata
E. Chennai
Q.17 What is the primary objective of

the International Purple Fest – Goa
2024?
A. To promote tourism in Goa
B. To showcase the cultural heritage
of Goa
C. To celebrate unity and diversity
among persons with disabilities
D. To highlight the economic
potential of Goa
E. To organize a music and arts
90
festival in Goa
International News
Q.1 India enacted the Geographical Q.4 ACME Group, a leading renewable
Indications of Goods (Registration and energy company in India ,sign one of the
Protection) Act, 1999 in order to comply largest pact to supply Green Ammonia from
with the obligations to (2018) India to_______.
A. ILO A. South Korea

B. IMF
B. Taiwan
C. UNCTAD
D. WTO C. Vietnam
E. WEF
D. Japan
E. Singapore
Q.2 India will also be part of the world's

Q.5 In the collaboration to shield tobacco
largest radio telescope project called the
farmers from climate challenges, ITC
Square Kilometre Array Observatory
partnered with which organizations?
(SKAO). Where is it headquartered at?
A. Google and IBM
A. France
B. Apple and Oracle
B. Russia C. Microsoft and Skymet
D. Amazon and Adobe
C. Germany E. Facebook and Tesla
D. UK
E. USA
Q.6 The Petroleum and Natural Gas

Regulatory Board (PNGRB) collaborated
with which institution to conduct a study
Q.3 Which organization has inked an
aimed at exploring methods for
agreement during the Vibrant Gujarat
transporting hydrogen through natural
Summit, pledging a substantial $500
gas pipelines?
million loan to the Gujarat government
under Mukhayamantri Gram Sadak A. IMF
Yojana?
B. OECD
A. World Bank
C. World Bank
B. Asian Development Bank
C. International Monetary Fund D. ADB
D. New Development Bank (NDB)
E. International Finance Corporation E. UNDP
(IFC)
91
Q.7 Which country is going to invest $2- Q.10 With which country did the Ministry
billion investments into food parks in of Petroleum & Natural Gas, Government
India, starting with Gujarat? of India, sign an MoU aiming to foster
collaboration in the hydrocarbon sector?
A. Israel
A. Nigeria
B. UAE B. Russia
C. Guyana
C. USA
D. Saudi Arabia
D. UK E. Canada
E. Saudi Arabia
Q.11 Which country scientists unveil an
electrically conductive "soil" (e- soil)
engineered to foster exceptional growth in
Q.8 With which country has ISRO signed crops, particularly barley seedlings?
a Memorandum of Understanding
A. Denmark
(MoU) concerning cooperation on the
B. Norway
development of a Joint Small Satellite?
C. Finland
A. Sri Lanka D. Germany
B. Maldives E. Sweden
C. Mauritius
D. Bangladesh Q.12 Which country launched the Green
E. Nepal Fuels Alliance India (GFAI) to drive
sustainable energy collaboration at the
Global Investors Meet (GIM) 2024?
Q.9 The Indian government plans to A. Sweden

established 'Bharat Park,' a specialized B. Denmark
trade zone in which country ?
C. Norway
A. Australia
D. United Kingdom
B. Japan
E. Spain
C. South Korea
D. UAE Q.13 Which African country declared a
E. Thailand Malaria-Free Country by World Health
Organization (WHO)
A. Cabo Verde
B. Mauritius
C. Algeria
D. Nigeria
E. Ghana
92
Q.15 In a significant announcement at the
Q.14 19th
Non-Aligned Movement (NAM) World Economic Forum 2024, the Adani
Summit took place in _______ Group revealed its intention to invest Rs
50,000 crore over the next decade in
A. Ethiopia
setting up a 1 GW hyperscale data center in
B. Egypt _____________.
C. Kenya A. Telangana
D. Uganda B. Tamil Nadu
E. Tanzania C. Gujarat
D. Maharashtra
E. Karnataka
Military Exercises
Military Exercise Countries Involved
SADA TANSEEQ Saudi Arabia
Desert Cyclone UAE
Exercise Desert Knight France
Exercise Khanjar Kyrgystan
Q.1 In response to the increasing terrorism in Q.2 The naval exercise, Ex-Ayutthaya, which is
Jammu and Kashmir, the Indian Army the first joint exercise between India and
initiated a counter-terrorism operation with _______.
coordinated actions on both sides of the Pir
A. Sri Lanka
Panjal ranges. What is the name of this
operation? B. Malaysia
A. Operation Vijay C. Singapore
B. Operation Shakti D. Thailand
C. Operation Rakshak E. Indonesia
D. Operation Sarvashakti
E. Operation Sankalp
93
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oliveboard

All Regulatory Exams:

• While promoting tourism in Lakshadweep, highlighting the beauty of beach by Prime

India – Maldives Relation

Now whats the concerns for Maldives

Boycott Led the sudden Supply Chain Inflation

Less production Less investment Import Value of money

Less Less Less Less

Anti-dumping Counter Vailing Duty (CVD)

Direct Price Influences Quantity Controls

• Subsidies - are the direct payments • Quotas - It refers to the direct

Some Other Example Of Quantity Controls

• Launch year :2016 Aim

• Ministry of Petroleum and Natural Gas

8 Crore LPG Additional 1.6 crore

• SECC Households There should not be any other LPG

Active workers: 14.32 Crore (2023-24)

• Unemployment Allowance: If work is not .

• 1/4 of the minimum wage for the

• Participation of women: at least one-third of the beneficiaries shall be women”.

• Launch Year: 2023

Benefits to eligible MSMEs

Vivad se Vishwas Scheme- II Vivad se Vishwas Scheme

• Devised by GOI in 2019 for residents of Unauthorized Colonies in Delhi.

DDA has successfully provided

a. Residents can sale/purchase their properties

5. PM Kisan Samman Nidhi

Beneficiaries Instalment Period

“National Farmers Welfare A mandatory physical verification

6. Payments Infrastructure Development Fund (PIDF)

• Launch Year: 2021

Types of Acceptance Devices Covered

• Corpus: Rs. 500 crore RBI will also contribute to

• Launch Year: 2018

• Launch Year – 2008-09 (Extended up to 2026)

o All the States/UTs will be covered under the Scheme

Generating self-employment opportunities through establishment of micro-enterprises in the non-farm

Only new projects are considered for sanction.

• Capital cities/towns of states/UTs

• Launched year – 2021 (till FY 2025-26)

• Focused towards financial sustainability and water

Information, Education and Communication

• Spreading awareness on conservation of water and enhancing water use

Pey Jal Survekshan

• Instill healthy competition among cities

• It will be done using online monitoring platform combined with citizen

Public Private Partnerships

• Women SHGs will be involved in water demand management, water quality

Outcome based funding

• Defining feature of AMRUT 2.0 .

Sambal (safety and security) Samarthya (Empowerment)

• Women Helpline (WHL) • PALNA scheme (National Creche

11. PRERANA Program

Programme in nine value based themes

• Swabhiman and Vinay

12. Amrit Dharohar Initiative

• Announced as part of the 2023-24 budget under Green Growth

13. ‘SMART 2.0’ Program

Q.1 What is the main goal of the 'SMART 2.0' Programme?