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IASbaba’s TLP (Phase 2): UPSC Mains Answer Writing – General Studies Paper 2 Questions [20th December, 2021] – Day 54

Archives Hello Students   TLP has been an integral ingredient of success for many toppers is no secret. In the ‘must do’ list for the civil services exam, TLP is by far the most popular initiative. The popularity stems from the unparalleled quality of questions and synopsis posted in TLP. We strive hard to ensure that you get the real feel of UPSC standard before you write the Mains.   You already know the features of TLP. Just to reiterate briefly, in the TLP initiative, we post 5 questions daily for a certain number of weeks (11 for this one). We follow a micro plan that is designed to give you daily targets. The questions are from the day’s syllabus and also from current affairs and you are expected to write the answers and post them on the portal.   This year onwards TLP will have a Dedicated Portal for Focused Preparation (tlpmains.iasbaba.com). There will be a separate dedicated portal similar to (RaRe Series) which students loved and appreciated. The Portal will help you stay focused and keep your preparation streamlined. The Registration link for the dedicated portal is given at the end of the post. We are charging a token amount of 10/- for registration to the dedicated portal. We are doing it because we want to create a community of sincere aspirants who are focused and motivated till the Mains Examination. Please don’t take it otherwise. It is our honest effort to give you the best and at the same time expect students to come with the same energy and dedication to the dedicated platform specially designed for YOU! Join our bandwagon, you won’t regret it. UPSC 2022 Aspirants are encouraged to participate as well. Register Here - CLICK HERE  To Know More About TLP 2022 (Phase 2) - CLICK HERE To Access Day 54 Questions - CLICK HERE P.S: The review from IASbaba will happen from the time the question is posted till 10 pm every day. We would also encourage peer reviews. So friends get actively involved and start reviewing each other’s answers. This will keep the entire community motivated. All the Best 

Daily Prelims CA Quiz

UPSC Quiz – 2021 : IASbaba’s Daily Current Affairs Quiz 19th December 2021

For Previous Daily Quiz (ARCHIVES) - CLICK HERE The Current Affairs questions are based on sources like ‘The Hindu’, ‘Indian Express’ and ‘PIB’, which are very important sources for UPSC Prelims Exam. The questions are focused on both the concepts and facts. The topics covered here are generally different from what is being covered under ‘Daily Current Affairs/Daily News Analysis (DNA) and Daily Static Quiz’ to avoid duplication. The questions would be published from Monday to Saturday before 2 PM. One should not spend more than 10 minutes on this initiative. Gear up and Make the Best Use of this initiative. Do remember that, “the difference between Ordinary and EXTRA-Ordinary is PRACTICE!!” Important Note: Don't forget to post your marks in the comment section. Also, let us know if you enjoyed today's test :) After completing the 5 questions, click on 'View Questions' to check your score, time taken, and solutions. To take the Test - Click Here

Motivational Articles

Creative Guidance – Happiness and Expectations – Inspirational Educative Articles

Happiness & Expectations: Let’s just say hypothetically, you wake up in the morning, and there’s a cup of coffee on the table waiting for you, prepared by someone else for you. You drink the coffee and realize that it’s cooler than normal. You like your coffee hot, but this time it’s just warm. There is a response to this experience: You are a little agitated, a little angry, and you express it. You say, “This coffee isn’t hot. I like my coffee to be hot!” The next day you are waiting for your coffee, subconsciously expecting that it might taste just like the previous cup. This time when you taste the coffee, it’s exactly how you like it – it’s at a perfect temperature. Now, there is your moment of happiness. In this whole episode, where is the experience of happiness? Is it in the coffee, your mouth, or the cup? Where exactly is this experience of happiness? Happiness is a very simple phenomenon. In this example, happiness is neither in the coffee, nor is it in the taste; happiness is simply hidden in your own expectations. In fact, happiness is nothing but another face of expectation. The first time you drank the cup of coffee there was an expectation that it would be hot. When it turned out to be cold, the response was unhappiness. What caused unhappiness? It was not the coffee, but your expectation of how the coffee should be. Throughout the day, this plays along in your experiences. Subconsciously, you have picked up expectations of how things should be, based on your previous experiences. You have expectations about people, their behavior, your own emotions, and the overall society. These expectations have become a part of your daily living. When things happen that support your expectations, you are happy. If not, you are unhappy. In this sense, there is no such thing as happiness in existence; it is 100% a mental phenomenon. Happiness is a very simple, moment-to-moment response to expectations, and it cannot be the highest goal of a human being. “This article is a part of the creative endeavor of Nirvana Foundation and IASBABA.”

UPSC हिन्दी Quiz– 2021: IASbaba Daily Current Affairs Quiz 18th December 2021

For Previous Daily Quiz (ARCHIVES) - CLICK HERE करेंट अफेयर्स के प्रश्न 'द हिंदू', 'इंडियन एक्सप्रेस' और 'पीआईबी' जैसे स्रोतों पर आधारित होते हैं, जो यूपीएससी प्रारंभिक परीक्षा के लिए बहुत महत्वपूर्ण स्रोत हैं। प्रश्न अवधारणाओं और तथ्यों दोनों पर केंद्रित हैं। दोहराव से बचने के लिए यहां कवर किए गए विषय आम तौर पर 'दैनिक करंट अफेयर्स / डेली न्यूज एनालिसिस (डीएनए) और डेली स्टेटिक क्विज' के तहत कवर किए जा रहे विषयों से भिन्न होते हैं। प्रश्न सोमवार से शनिवार तक दोपहर 2 बजे से पहले प्रकाशित किए जाएंगे। इस कार्य में आपको 10 मिनट से ज्यादा नहीं देना है। इस कार्य के लिए तैयार हो जाएं और इस पहल का इष्टतम तरीके से उपयोग करें। याद रखें कि, "साधारण अभ्यर्थी और चयनित होने वाले अभ्यर्थी के बीच का अंतर केवल दैनक अभ्यास है !!" Important Note: Comment अनुभाग में अपने अंक पोस्ट करना न भूलें। साथ ही, हमें बताएं कि क्या आपको आज का टेस्ट अच्छा लगा । 5 प्रश्नों को पूरा करने के बाद, अपना स्कोर, समय और उत्तर देखने के लिए ‘View Questions’ पर क्लिक करें। उत्तर देखने के लिए, इन निर्देशों का पालन करें: 1 - 'स्टार्ट टेस्ट/ Start Test' बटन पर क्लिक करें प्रश्न हल करें 'टेस्ट सारांश/Test Summary'बटन पर क्लिक करें 'फिनिश टेस्ट/Finish Test'बटन पर क्लिक करें अब ‘View Questions’बटन पर क्लिक करें - यहां आपको उत्तर और लिंक दिखाई देंगे। To take the Test - Click Here

DAILY CURRENT AFFAIRS IAS | UPSC Prelims and Mains Exam – 18th December 2021

Archives (PRELIMS + MAINS FOCUS) Biological Diversity Act , 2002 Part of: Prelims and GS-III -Environment Context The Biological Diversity Amendment Bill 2021, introduced in the Lok Sabha, exempts Ayush practitioners from the ambit of the Biological Diversity Act, 2002.  It also facilitates access to biological resources and traditional knowledge by the Indian traditional medicine sector.  Legal experts have expressed concerns that easing the norms for the sector could be detrimental to ecology and go against the principle of sharing commercial benefits with indigenous communities. What is the Biological Diversity Amendment Bill 2021? The Biological Diversity Act, 2002 was enacted for the conservation of biological diversity and fair, equitable sharing of the monetary benefits from the commercial use of biological resources and traditional knowledge.  Now, according to the Bill, it seeks to reduce the pressure on wild medicinal plants by encouraging their cultivation  It exempts Ayush practitioners from intimating biodiversity boards for accessing biological resources or knowledge It facilitates fast-tracking of research, simplify the patent application process, decriminalises certain offences; It brings more foreign investments in biological resources, research, patent and commercial utilisation, without compromising the national interest. CCI fines Amazon for Rs. 200 crore Part of: Prelims and GS-II - Polity  Context The Competition Commission of India (CCI) froze its approval given in November 2019 to Amazon’s investment in a Future Group unit on the grounds that the Amazon had suppressed the scope and full details of its investment while seeking regulatory approval. About Competition Commission of India (CCI)  It is a statutory body established in 2003 and became fully functional in 2009.  It is responsible for enforcing The Competition Act, 2002 throughout India. The Act prohibits anti-competitive agreements, abuse of dominant position by enterprises.  The Act regulates combinations (acquisition, acquiring of control and Merger and acquisition), which causes or likely to cause an appreciable adverse effect on competition within India.  Composition: A Chairperson and 6 Members appointed by the Central Government.  Eligibility: Person should be qualified to be a judge of a High Court, or, has special knowledge of, and professional experience of not less than fifteen years in international trade, economics, commerce, law, finance.  Duties: eliminate practises having adverse effect on competition promote and sustain competition. protect the interests of consumers. ensure freedom of trade in the markets of India. Covovax Part of: Prelims and GS-II - Health Context The WHO said it had granted emergency approval to the India-manufactured coronavirus vaccine Covovax. Key takeaways  The vaccine is produced by the Serum Institute of India under licence from the U.S.-based Novavax.  It will now be distributed as part of global vaccine-sharing system COVAX .  Covovax requires two doses and is stable at 2 to 8 degrees Celsius refrigerated temperatures. What is COVAX?  The COVAX program is led by the vaccine alliance GAVI, WHO and the Coalition for Epidemic Preparedness Innovations (CEPI) in partnership with UNICEF, vaccine manufacturers and the World Bank, among others. Aim: To ensure equitable distribution of COVID-19 vaccines globally  It is supposed to be the largest vaccine procurement and supply operation in history. The program wants to vaccinate roughly 20% of the population in the 92 Advance Market Commitment (AMC) countries, which include middle and lower-income nations that cannot afford to pay for COVID-19 vaccines.  JCP on the Personal Data Protection Bill Part of: Prelims and GS II - Polity and governance  Context The Joint Committee of Parliament (JCP) on the Personal Data Protection Bill tabled its report in both Houses. Major recommendations Non-Personal Too:  The nature of the Bill itself is for inclusion of non-personal data within the larger umbrella. All issues under the new legislation will be dealt with by a single Data Protection Authority (DPA) instead of separate ones for personal and non-personal. Transition Period: To ensure that all such data aggregators get ample time to comply with the rules under the new Bill, the JCP suggested that up to 24 months be given from the date of notification of the Act. Social Media Liability: Social media platforms that do not act as intermediaries should be treated as publishers, and therefore be held liable for the content they host. Penalty: A fine of up to Rs 15 crore or 4% of the total global turnover of the firm for data breaches, and a jail term of up to 3 years if de-identified data is re-identified. Timely Alert: In case of any data breach, the data aggregator must notify the DPA within 72 hours of becoming aware of it. Miscellaneous Order of the Druk Gyalpo The King of Bhutan conferred its highest civilian award, the Order of the Druk Gyalpo, on India's Prime Minister on the occasion of Bhutan's National Day. Tamil Thai Vaazhthu  The Tamil Nadu government has declared Tamil Thai Vaazhthu, a prayer song sung in praise of Mother Tamil, as the State Song. A Government Order (GO) had been issued directing that everyone who is present during the rendition of the song, barring differently abled persons, should remain standing. Government order has come less than two weeks after the Madurai Bench of Madras High Court said that “There is no statutory or executive order requiring the attendees to stand up when Tamil Thai Vaazhthu is sung.” (News from PIB) Granting Industry Status to Agriculture Part of: Prelims and Mains GS-III: Agriculture In News: Agriculture plays a vital role in the country’s economy and giving the importance to agriculture sector, the Government has substantially enhanced the budget allocation for the agriculture sector.  Significance: The Government seeks to bestow on the agriculture sector as many benefits as available to those in the manufacturing sector, such as, easy availability of credit and other inputs and infrastructure facilities for development of agriculture sector including marketing and post-harvest management. Pradhan Mantri Kisan Samman Nidhi (PM-KISAN): To provide income support to all farmers’ families across the country, to enable them to take care of expenses related to agriculture and allied activities as well as domestic needs Pradhan Mantri Kisan Maan Dhan Yojana (PM-KMY): To provide social security net for Small and Marginal Farmers (SMF) as they have minimal or no savings to provide for old age and to support them in the event of consequent loss of livelihood  Pradhan Mantri Fasal Bima Yojana (PMFBY): To provide better insurance coverage to crops for risk mitigation, a crop insurance scheme namely Pradhan Mantri Fasal Bima Yojana (PMFBY) was launched  Minimum Support Price (MSPs): Increased in the Minimum Support Price (MSPs) for all Kharif & Rabi crops.  Soil Health Cards: Distribution of Soil Health Cards to farmers so that the use of fertilizers can be rationalized. Soil health cards have been issued free of cost to nearly 11 crore farmers under a nationwide program. “Per drop more crop” initiative under which drip/sprinkler irrigation is being encouraged for optimal utilization of water, reducing cost of inputs and increasing productivity. Per Drop More Crop component of Pradhanmantri Krishi Sinchai Yojana (PMKSY_PDMC) aims to increase water use efficiency at the farm level through Micro Irrigation technologies, i.e., drip and sprinkler irrigation systems. Paramparagat Krishi Vikas Yojana (PKVY) for promoting organic farming.  National Agriculture Market (e-NAM) scheme: Launch of e-NAM initiative to provide farmers with transparent and competitive online trading platform. Har Med ParPed: Under the scheme, agro forestry is being promoted for additional income. With the amendment of Indian Forest Act, 1927, Bamboo has been removed from the definition of trees. A restructured National Bamboo Mission has been launched in the year 2018 to promote bamboo plantation on non-forest government as well as private land and emphasis on value addition, product development and markets. Pradhan Mantri Annadata Aay Sanrakshan Abhiyan (PMAASHA): Aimed at ensuring remunerative prices to the farmers for the produce as announced in the Union Budget for 2018.  This is an unprecedented step taken by Govt. of India to protect the farmers’ income which is expected to go a long way towards the welfare of farmers. Price Support Scheme (PSS): Increase in procurement under PSS  Mission for Integrated Development of Horticulture (MIDH): Bee keeping has been promoted under Mission for Integrated Development of Horticulture (MIDH) to increase the productivity of crops through pollination and increase the honey production as an additional source of income of farmers. Institutional Credit for Agriculture: To ensure flow of adequate credit, Government sets annual target for the flow of credit to the agriculture sector, Banks have been consistently surpassing the annual target.  Interest Subvention Scheme: Extending the reach of institutional credit to more and more farmers is priority area of the Government and to achieve this goal, the Government provides interest subvention of 2% on short-term crop loans up to Rs. 3.00 lakh. Further, under Interest Subvention Scheme 2018-19, in order to provide relief to the farmers on occurrence of natural calamities, the interest subvention of 2% shall continue to be available to banks for the first year on the restructured amount. In order to discourage distress sale by farmers and to encourage them to store their produce in warehouses against negotiable receipts, the benefit of interest subvention will be available to small and marginal farmers having Kisan Credit Card for a further period of upto six months post harvest on the same rate as available to crop loan. Kisan Credit Card (KCC): The Government has extended the facility of Kisan Credit Card (KCC) to the farmers practicing animal husbandry and fisheries related activities.  Creating of Corpus Fund Micro Irrigation Fund – Rs. 10,000 crore. Agriculture Infrastructure Fund of Rs. One Lakh Crore. Farmers’ Producer Companies (FPOs): Formation and Promotion of Farmers’ Producer Companies (FPOs) to form and promote 10,000 FPOs. Agri Infrastructure Fund (AIF) :Government has approved a new central sector scheme viz., Agriculture Infrastructure Fund (AIF) of Rs. 1,00,000 Crore to provide a medium-long term loan facility for investment in viable projects for post-harvest market infrastructure including warehousing facility and community farming assets through interest subvention and financial support.  Agricultural Marketing Infrastructure (AMI): A sub-scheme of Integrated Scheme for Agricultural Marketing (ISAM) under which assistance is provided for construction/ renovation of godowns/ warehouses in the rural areas in the States to enhance the storage capacity for agriculture produce News Source: PIB Kalanamak rice Part of: Prelims  Context: Production of Kalanamak rice has increased significantly during last three years Presently, Kalanamak rice is being exported to countries like Singapore and Nepal. In addition to export, it is available on e-market place like Amazon, Flipkart and ODOP e-market.   One of the finest quality scented rices of Nepal and India.  Kalanamak rice has been granted the Geographical Indication (GI) Tag It derives its name from black husk (kala = black; the suffix ‘namak’ means salt).  This variety has been in cultivation since the Buddhist period (600 BC).  It is quite popular in Himalayan Tarai of Nepal i.e., Kapilvastu, and eastern Uttar Pradesh of India, and is also known as the scented black pearl of Uttar Pradesh.  It was also featured in the book 'Speciality rices of the world' by Food and Agriculture Organization of the United Nations. Rich in micro-nutrients such as Iron and Zinc. Therefore, having this rice is said to prevent diseases borne out of Iron and Zinc deficiencies.  is said that regular intake of Kalanamak rice can prevent Alzheimer’s disease.  It has 11% protein which is almost double of common rice varieties. Besides it has low Glycemic Index (49% to 52%) making it "Sugar Free" and suitable for even diabetic people. Have critical micro nutrients to fight malnutrition and improve nutrition status of the vulnerable section of society News Source: PIB  (Mains Focus) ECONOMY/ GOVERNANCE GS-3: Indian Economy and challenges GS-2: Government policies and interventions for development in various sectors and issues arising out of their design and implementation. India’s data protection Bill comparison with EU regulation Context: The Joint Committee of Parliament on the Personal Data Protection Bill recommendations on the Personal Data Protection Bill are in some aspects very similar to global standards such as European Union’s General Data Protection Regulation, but differs in aspects such as jail terms.  Similarities Parameter EU India Consent Users must have informed consent about the way their data is processed so that they can opt in or out. Processing of data should be done in a fair and transparent manner, while also ensuring privacy Breach Supervisory authority must be notified of a breach within 72 hours of the leak so that users can take steps to protect information Data Protection Authority must be informed within 72 hours; DPA will decide whether users need to be informed and steps to be taken Transition period Two-year transition period for provisions of GDPR to be put in place 24 months overall; 9 months for registration of data fiduciaries, 6 months for DPA to start Data fiduciary Data fiduciary is any natural or legal person, public authority, agency or body that determines purpose and means of data processing Similar suggestions; additionally, NGOs which also process data to be included as fiduciaries Difference between EU’s regulation and JCP recommendations: Parameter EU India Anonymous information Principles of data protection do not apply to anonymous information since it is impossible to tell one from another Non-personal data must come under the ambit of data protection law such as non-personal data Punishment No jail terms. Fines up to 20 million euros, or in the case of an undertaking, up to 4 % of their total global turnover of the preceding fiscal year Jail term of up to 3 years, fine of Rs 2 lakh or both if de-identified data is re-identified by any person. Connecting the dots: Justice Sri Krishna Committee Report on Data legislation K.S. Puttaswamy Judgement ECONOMY/ GOVERNANCE GS-3: Indian Economy and challenges GS-2: Government policies and interventions for development in various sectors and issues arising out of their design and implementation Challenge of achieving 9.5% growth rate Context: The National Statistical Office (NSO) released the Q2 GVA and GDP numbers for FY 2021-22, indicating the pace of economic recovery in India after the two COVID-19 waves Key findings of NSO  The contraction was highest in the first quarter of 2020-21, gradually easing off in the subsequent quarters. Base Effect was strongest in the first quarter of 2021-22 with real GDP and GVA growth rates of 20.1% and 18.8%, respectively. The base effect weakened in the second quarter with GDP and GVA growth rates at 8.4% and 8.5%, respectively. The base effect is expected to weaken further in the third and fourth quarters of 2021-22. Real GVA for the first half of 2021-22 has remained below the level in the first half of 2019-20 by (-)3.7%. Real GDP for the first half of 2021-22- This difference is even larger for GDP which is (-) 4.4% below the corresponding level in 2019-20. So a strong growth momentum would be needed to ensure that at the end of this fiscal year GVA and GDP in real terms exceed their corresponding pre-COVID-19 levels of 2019-20. Gross Fixed Capital Formation (GFCF) - GFCF shows a positive growth of 1.5% in the second quarter of 2021-22 over its corresponding level in 2019-20. Even then GFCF in H1 of 2021-22 has remained below its corresponding level in 2019-20  Private Final Consumption Expenditure (PFCE) – H1 2021-22 remains below its corresponding level in 2019-20. This indicates that investment as well as consumption demand have to pick up strongly in the Q3 and Q4 to ensure that the economy emerges on the positive side by the end of 2021-22 as compared to its pre-COVID-19 level. Which sectors have boosted growth? In H1 of 2021-22, on the output side, only four of the eight GVA sectors have exceeded their corresponding levels in 2019-20. These are  Agriculture Electricity, Gas and others. Mining and Quarrying Public administration, Defence and other services. (Q1 5.8%  & Q2 17.4% ) The upsurge in the growth of public administration, defence sector in the second quarter of 2021-22 is due to the Central government’s emphasis on capital expenditure which started gathering momentum in recent months. What measures are required?  A strong fiscal support in the form of government capital expenditure is required. This is currently being facilitated by the buoyant Centre’s gross tax revenues having a growth rate of 64.2% in H1 of 2021-22. The nominal GDP growth at 23.9% and the implicit price deflator-based inflation at 9.0% in H1FY22 is the key reason for the buoyant tax revenues. The Centre’s incentivisation of state capital expenditure through additional borrowing limits would also help in this regard. According to available information, 11 States in the first quarter and seven States in the second quarter qualified for the release of the additional tranche under this window. Challenges Ahead Increase in expenditure is due to food and fertilizer subsidies, MGNREGA and extension of the Pradhan Mantri Garib Kalyan Anna Yojana With increase in government capital expenditure with some shortfall in non-tax and non-debt capital receipts - fiscal deficit target may come under pressure. In spite of these pressures, it would be advisable for the Centre to continue infrastructure spending. Connecting the dots: National Monetisation Pipeline National Infrastructure Pipeline (ORF: Expert Speak) Dec 10: The Perquisite of Having a Robust Biofuel Industry in India - https://www.orfonline.org/expert-speak/the-perquisite-of-having-a-robust-biofuel-industry-in-india/  TOPIC: GS-2 – Government policies and interventions for development in various sectors and issues arising out of their design and implementation. GS-3 - Indian Economy and issues relating to planning, mobilization, of resources, growth, development Biofuel Industry in India Context: PM Modi, in his address at the COP26, released India’s updated NDCs in the form of five key announcements. The most prominent of these included India’s goal to produce 500 GW of renewable energy by 2030 and its ambitious target to achieve net-zero by 2070. The Global Situation The global energy demand is ever rising, projected to reach a whopping 17 billion tonnes of oil equivalent in the next decade. According to the BP Energy Outlook 2019, India’s share in the global energy demand is expected to reach 11 percent by 2040.  As emission-heavy fuels like coal, oil and gasoline contribute to 69 percent of the national energy supply, this whopping demand will naturally bring adverse climate ramifications as well as skewed import dependence.  Amidst the anthropogenic climate threat posed by greenhouse gas emissions from fossil-based fuels and the looming fear of depleting fossil reserves, biofuels promise to be an alternative with many advantages. Biofuels as a Sustainable Energy System  Biofuels provide a sustainable energy system that is renewable, environmentally friendly and capable of utilising indigenous raw materials. The most commonly employed method for biofuel production involves fermentation, a process in which microbes convert simple sugars such as glucose to value-added chemicals by various biochemical pathways.  Biofuel production can be carried out at mild temperatures between 25-45℃ in contrast to chemical methods (requiring >500℃), which makes the entire process energy efficient.  In comparison to fossil fuel-derived energy, biofuels project scope not only in reduction of carbon emissions but also ensure self-sufficiency of the raw materials. Challenge 1: High Process Cost – Despite the above-mentioned advantages, microbial fermentation for biofuel production faces a lot of challenges - the process cost is very high in comparison to commercial fuels. A major fraction of this cost is owed to expensive substrates such as glucose.  Based on the feedstocks used, biofuels are categorised into four generations, each emerging to overcome the limitations of the previous one.  The first generation uses food crops such as corn, sugarcane etc., while the second generation is based on utilisation of lignocellulosic agro-residues such as rice bran, wheat bran etc.  While the first one leads to the ethical debate of food vs fuel, second-generation feedstocks are in plenty and generally considered a waste.  Additionally, food waste from restaurants, kitchens, or supply chain slacks is a good source of sugar. Referred to as Municipal Solid Waste (MSW), food waste is a nuisance to the environment and public health.  India has a huge capacity to produce these feedstocks, generating >300 million tonnes of agricultural waste every year and nearly 0.3 billion tonnes of food waste every year. They are potential substrates for biofuel production due to their indigenous abundance, cost-effectiveness and high sugar content.  Additionally, utilisation of such raw materials also enables a circular economy. Challenge 2: Low efficiency of this fermentative production:  To compete with market demands, high yields from a low substrate is desirable.  However, utilising agricultural and food wastes means additional steps of pre-treatment for breaking layers of cellulose, hemicellulose and chitin respectively before carbohydrates can be recovered.  This often results in multi-step processing, making the process tedious, expensive and inefficient.  To improve the yield and process efficiency biotechnological tools such as genetic engineering and process engineering are being applied. India & the Biofuels: Recent Policy Initiatives  The Indian government has recognised this capacity of indigenous feedstocks for biofuel production.  The policies are centred around increasing the production of bioethanol using sugar-containing (sugar beet, sweet sorghum etc.) and starch-containing materials (corn, damaged food grain, etc.) that are unfit for human consumption.  Recognising the lack of capital in this sector, the government has mobilised a viability funding gap scheme worth INR 5000 crore for second-generation ethanol biorefineries. India also targets a 20 percent ethanol-blending in petrol by 2023-24. Through various domestic and international initiatives in the biofuels industry in the last few years, India has reiterated its inclination to explore bio-solutions as yet another form of renewable energy and alternative to fossil-based fuels. Launched the mission “Integrated Biorefineries”, a collaborative initiative between India and the Netherlands to develop clean energy solutions under Mission Innovation Initiative. An integrated biorefinery is a facility that transforms biomass into value-added products while recovering as much energy as possible.  It has the potential to produce bulk and fine chemicals in a robust, self-sufficient, sustainable, and ecologically friendly manner.  Even before the recent COP26 announcements, India has sought to establish itself in the biofuels sector through international mechanisms in recent years. In the backdrop of PM Modi’s visit to the United States in September 2021, India and the US formed a bilateral India-US New Task Force on Biofuels, which will promote technology transfers and develop business models to develop the biofuels sector.  In December 2020, the Asian Development Bank approved a US $2.4 million grant under Asian Clean Energy Fund for supporting biofuels development in India. India also has an MoU with Brazil on Bioenergy Cooperation, which holds an excellent track record of harnessing sugarcane feedstock for biofuels. Biofuels for ‘Atma Nirbharta’  Will reduce dependence on fuel imports that save foreign reserves and will plug the capital outflow. According to NITI Aayog’s Expert Committee, fulfilling the 2025 targets for 20 percent ethanol blending (E20) will save US $4 billion in forex reserves annually.  Address the supply chain vulnerabilities of a fossil-fuel-based energy system. As India’s mammoth agricultural waste is generated in the countryside, setting up biofuel manufacturing plants will create localised supply chains. These local supply chains need to be efficient to account for the perishability of feedstock due to pest contamination and weather. It will cut down the logistics and transportation costs of non-renewable energy and insulate the supply chains from geopolitical instability and global economic shocks.  Generate semi-skilled employment in rural areas and create additional incomes for Indian farmers. For example, sugar mills may earn an additional profit of US $2 billion in 2020-21 owing to the ethanol industry. Increasing the purchasing power of rural India would drive consumer demand, which would have a multiplier effect on India’s informal economy. Conclusion Biofuel production for self-reliance can become a reality by incentivising and educating the local suppliers and waste segregation about the wealth-creating potential of their waste. India needs to promote greater engagements between science, industry and society to meet this goal. Can you answer the following question? Examine the potential and associated challenges of biofuels as a sustainable energy resource. (TEST YOUR KNOWLEDGE) Model questions: (You can now post your answers in comment section) Q.1 Consider the following statements regarding Competition Commission of India (CCI): It is a Constitutional body  It is responsible for enforcing The Competition Act, 2002 throughout India. It is composed of A Chairperson and 6 Members appointed by the President of India .  Which of the above is or are correct?  1 and 2 only  2 only  1 and 3 only  1, 2 and 3 Q.2 Covovax vaccine was recently granted emergency approval by WHO. It is manufactured by which of the following country?  USA UK India China Q.3) Consider the following statements on Kalanamak rice This variety has been in cultivation since the Buddhist period (600 BC).  It is quite popular in Himalayan Tarai of Nepal and eastern Uttar Pradesh of India, and is also known as the scented black pearl of Uttar Pradesh.  Which of the above statement(s) is/are correct? 1 only 2 only Both 1 and 2 Neither 1 nor 2 ANSWERS FOR 18th Dec 2021 TEST YOUR KNOWLEDGE (TYK) 1 B 2 C 3 C Must Read On Russia and India-China ties:   The Hindu On India’s semiconductor mission: The Hindu

Motivational Articles

[MI-STORIES]MOTIVATIONAL AND INSPIRATIONAL STORIES - The story of a butterfly!

For Previous Story -> CLICK HERE Inspirational Stories: Here is the story for this week from the new series of Inspirational and Motivational stories. One of the oldest known forms of communication is story telling. There is something primordial within us that loves stories and their tremendous impact. In this series, we aim to bring you the best of real-life stories that can inspire and motivate you. Stories always try to teach us something useful. It is one of the best ways of learning from other's mistakes and avoiding our own. Although each story has its own moral, in the comments section you can share your opinion on the moral of the story. If you are able to see something that others might have missed, you can share it for the benefit of all. Apart from just reading these awesome stories, you can also share some of the stories that have inspired you. If we find the story appropriate and useful, we will share it with all. More importantly, read these stories every week without a miss, and stay inspired.   So Here is the story for this week - The story of a butterfly!   A man found a cocoon of a butterfly. One day a small opening appeared. He sat and watched the butterfly for several hours as it struggled to squeeze its body through the tiny hole. Then it stopped, as if it couldn’t go further. So the man decided to help the butterfly. He took a pair of scissors and snipped off the remaining bits of cocoon. The butterfly emerged easily but it had a swollen body and shriveled wings. The man continued to watch it, expecting that any minute the wings would enlarge and expand enough to support the body, Neither happened! In fact the butterfly spent the rest of its life crawling around. It was never able to fly. What the man in his kindness and haste did not understand: The restricting cocoon and the struggle required by the butterfly to get through the opening was a way of forcing the fluid from the body into the wings so that it would be ready for flight once that was achieved. Sometimes struggles are exactly what we need in our lives. Going through life with no obstacles would cripple us. We will not be as strong as we could have been and we would never fly.

Daily Prelims CA Quiz

UPSC Quiz – 2021 : IASbaba’s Daily Current Affairs Quiz 18th December 2021

For Previous Daily Quiz (ARCHIVES) - CLICK HERE The Current Affairs questions are based on sources like ‘The Hindu’, ‘Indian Express’ and ‘PIB’, which are very important sources for UPSC Prelims Exam. The questions are focused on both the concepts and facts. The topics covered here are generally different from what is being covered under ‘Daily Current Affairs/Daily News Analysis (DNA) and Daily Static Quiz’ to avoid duplication. The questions would be published from Monday to Saturday before 2 PM. One should not spend more than 10 minutes on this initiative. Gear up and Make the Best Use of this initiative. Do remember that, “the difference between Ordinary and EXTRA-Ordinary is PRACTICE!!” Important Note: Don't forget to post your marks in the comment section. Also, let us know if you enjoyed today's test :) After completing the 5 questions, click on 'View Questions' to check your score, time taken, and solutions. To take the Test - Click Here

IASbaba’s TLP (Phase 2): UPSC Mains Answer Writing – General Studies Paper 4 Questions [17th December, 2021] – Day 53

Archives Hello Students   TLP has been an integral ingredient of success for many toppers is no secret. In the ‘must do’ list for the civil services exam, TLP is by far the most popular initiative. The popularity stems from the unparalleled quality of questions and synopsis posted in TLP. We strive hard to ensure that you get the real feel of UPSC standard before you write the Mains.   You already know the features of TLP. Just to reiterate briefly, in the TLP initiative, we post 5 questions daily for a certain number of weeks (11 for this one). We follow a micro plan that is designed to give you daily targets. The questions are from the day’s syllabus and also from current affairs and you are expected to write the answers and post them on the portal.   This year onwards TLP will have a Dedicated Portal for Focused Preparation (tlpmains.iasbaba.com). There will be a separate dedicated portal similar to (RaRe Series) which students loved and appreciated. The Portal will help you stay focused and keep your preparation streamlined. The Registration link for the dedicated portal is given at the end of the post. We are charging a token amount of 10/- for registration to the dedicated portal. We are doing it because we want to create a community of sincere aspirants who are focused and motivated till the Mains Examination. Please don’t take it otherwise. It is our honest effort to give you the best and at the same time expect students to come with the same energy and dedication to the dedicated platform specially designed for YOU! Join our bandwagon, you won’t regret it. UPSC 2022 Aspirants are encouraged to participate as well. Register Here - CLICK HERE  To Know More About TLP 2022 (Phase 2) - CLICK HERE To Access Day 53 Questions - CLICK HERE P.S: The review from IASbaba will happen from the time the question is posted till 10 pm every day. We would also encourage peer reviews. So friends get actively involved and start reviewing each other’s answers. This will keep the entire community motivated. All the Best 

UPSC हिन्दी Quiz– 2021: IASbaba Daily Current Affairs Quiz 17th December 2021

For Previous Daily Quiz (ARCHIVES) - CLICK HERE करेंट अफेयर्स के प्रश्न 'द हिंदू', 'इंडियन एक्सप्रेस' और 'पीआईबी' जैसे स्रोतों पर आधारित होते हैं, जो यूपीएससी प्रारंभिक परीक्षा के लिए बहुत महत्वपूर्ण स्रोत हैं। प्रश्न अवधारणाओं और तथ्यों दोनों पर केंद्रित हैं। दोहराव से बचने के लिए यहां कवर किए गए विषय आम तौर पर 'दैनिक करंट अफेयर्स / डेली न्यूज एनालिसिस (डीएनए) और डेली स्टेटिक क्विज' के तहत कवर किए जा रहे विषयों से भिन्न होते हैं। प्रश्न सोमवार से शनिवार तक दोपहर 2 बजे से पहले प्रकाशित किए जाएंगे। इस कार्य में आपको 10 मिनट से ज्यादा नहीं देना है। इस कार्य के लिए तैयार हो जाएं और इस पहल का इष्टतम तरीके से उपयोग करें। याद रखें कि, "साधारण अभ्यर्थी और चयनित होने वाले अभ्यर्थी के बीच का अंतर केवल दैनक अभ्यास है !!" Important Note: Comment अनुभाग में अपने अंक पोस्ट करना न भूलें। साथ ही, हमें बताएं कि क्या आपको आज का टेस्ट अच्छा लगा । 5 प्रश्नों को पूरा करने के बाद, अपना स्कोर, समय और उत्तर देखने के लिए ‘View Questions’ पर क्लिक करें। उत्तर देखने के लिए, इन निर्देशों का पालन करें: 1 - 'स्टार्ट टेस्ट/ Start Test' बटन पर क्लिक करें प्रश्न हल करें 'टेस्ट सारांश/Test Summary'बटन पर क्लिक करें 'फिनिश टेस्ट/Finish Test'बटन पर क्लिक करें अब ‘View Questions’बटन पर क्लिक करें - यहां आपको उत्तर और लिंक दिखाई देंगे। To take the Test - Click Here

DAILY CURRENT AFFAIRS IAS | UPSC Prelims and Mains Exam – 17th December 2021

Archives (PRELIMS + MAINS FOCUS) Vanniyar quota law Part of: Prelims and GS-II -Policies and interventions  Context The Supreme Court has held that admissions to higher education institutions and appointments to Tamil Nadu's government jobs made this year under the Vanniyar quota would not be disturbed.  However, SC has barred fresh appointments and admissions until February 15 next year. What is Vanniyar Movement?  Vanniyars are one of the largest and most consolidated backward communities in Tamil Nadu. They had raised massive protests in the mid-1980s demanding 20% reservation in the state, and 2% in central services. During agitation from September 17 to 23, 1987, many protesters were killed.  Split of OBC quota: In 1989, the OBC quota was split into two: Backward Castes and Most Backward Castes.  Vanniyars were categorised among the MBCs with 107 other communities, with 20% reservation. Three decades later, the state government passed a Bill, and the current government has implemented it with a Government Order ensuring 10.5% reservation for Vanniyars within the 20% MBC quota. Omicron slow to infect the lungs: Hong Kong study Part of: Prelims and GS-II - Health Context According to the study by researchers from the LKS Faculty of Medicine at the University of Hong Kong, the Omicron variant of SARS-CoV-2 infects and multiplies faster than the Delta variant and original SARS-CoV-2 in the human bronchus.  The study may explain why it may transmit faster between people than previous variants. Key findings of the study Omicron does not easily infect the lower lungs and this potentially explains why instances of severe disease are lower in cases involving Omicron.  Omicron replicated around 70 times higher than the Delta variant and the original SARS-CoV-2 virus over 24 hours. In contrast, the Omicron variant replicated less efficiently (more than 10 times lower) in the lung tissue than the original SARS-CoV-2 virus. The severity of disease is not determined only by virus replication but also by the host immune response, which may lead to dysregulation of the innate immune system.  By infecting many more people, a very infectious virus may cause more severe disease and death even though the virus itself may be less pathogenic.   Sanctions against China over abuse of Uighurs Part of: Prelims and GS-II - International Relations  Context USA is imposing new sanctions on several Chinese biotech and surveillance companies and government entities over human rights abuses of Uighur Muslims The move will bar American companies from selling components to the entities without a licence. About Uighurs Uigurs, are a minority Turkic ethnic group originating from and culturally affiliated with the general region of Central and East Asia. The Uighurs are recognized as native to the Xinjiang Uyghur Autonomous Region of the People’s Republic of China. China rejects the idea of them being an indigenous group Since 2016, it is estimated that over a million Uyghurs have been detained in Xinjiang re-education camps.(UN) International Consortium of Investigative Journalists (ICIJ), the main feature of the camps is to ensure adherence to Chinese Communist Party ideology. Super Typhoon Rai Part of: Prelims and GS I - Geography  Context Super Typhoon Rai has hit the Philippines. About Typhoon  Typhoon and hurricane are two of the regionally specific names for strong tropical cyclones Tropical cyclones are rotating, organized systems of clouds and thunderstorms that originate over tropical or subtropical waters and have closed, low-level circulation.  What a tropical cyclone gets called is determined by the ocean it forms over and how severe it becomes.  In the North Atlantic, central North Pacific, and eastern North Pacific, tropical cyclones are called hurricanes.  In the Northwest Pacific, they are known as typhoons. Super Typhoon Since 2009 the Hong Kong Observatory has divided typhoons into three different classifications: typhoon, severe typhoon and super typhoon. A typhoon has wind speed of 118–149 km/h, a severe typhoon has winds of at least 150 km/h, and a super typhoon has winds of at least 190 km/h. (News from PIB) The Chalcolithic cultures of Central India Part of: Prelims - Culture A. Excavation at Eran: Eran (ancient Airikina) is situated on the left bank of the Bina (ancient Venva) river and surrounded by it on three sides.  The recent excavation at this site, during 2020-21, has unearthed a variety of antiquities including a copper coin, an iron arrowhead, terracotta bead, stone beads along with a copper coins, stone celt, beads of steatite and jasper, glass, carnelian, terracotta wheel, animal figurines, miniature pots, iron objects, stone querns, pestles and a red slipped terracotta with inscription in Devnagari.  The occurrence of few specimens of plain, thin grey ware is noteworthy.   The use of iron was evidenced by few metallic objects at the site.  B. Excavation at Tewar: Tewar (Tripuri) village is located 12 km west of Jabalpur district on Jabalpur – Bhopal highway.  During 2020-21 ASI conducted excavation of Tewar at two locations, this excavation did not reach the natural soil and revealed four folds of cultural sequences i.e. Kushana, Shunga, Satvahana, and Kalachuri.  Antiquarian remains in this excavation include viz remains of sculptures, hopscotch, terracotta balls, Iron nails, copper coins, terracotta beads, implements of Iron and terracotta figurine, in ceramics red ware, black ware, red slipped ware with shapes of handi, bowl, spouted pot, small pot, big jar, etc., structural remains consist of brick wall and structure of sandstone columns. News Source: PIB Samudrayaan Project Part of: Prelims  Context: Under the Deep Ocean Mission launched by the Government of India, a manned scientific submersible has been proposed to be developed for deep ocean exploration and mining of rare minerals. The project is named as Samudrayaan.  National Institute of Ocean Technology (NIOT), an autonomous Institute under the Ministry of Earth Sciences, had developed and tested a 'personnel sphere’ for a manned submersible system for 500 metre water depth rating. Personnel Sphere of 2.1m diameter to be used as a crew module up to 500 m water depth has been developed using mild steel and tested up to 600 m water depth in the Bay of Bengal using the research Vessel Sagar Nidhi during October, 2021. One Titanium alloy personnel sphere for manned submersible system for 6000 metre water depth rating, is under development  News Source: PIB  State of Foundational Literacy and Numeracy in India Part of: Mains GS-II: Education In News: The Economic Advisory Council to the Prime Minister (EAC-PM) released the report on the State of Foundational Literacy and Numeracy in India. The report prepared by the Institute for Competitiveness highlights the importance of early education years in the overall development of a child. It further highlights the role of well-planned early interventions like the National Education Policy (2020) and the NIPUN Bharat guidelines, leading to long-term improved learning outcomes. Access to quality early childhood education is a fundamental right for all children. The earliest years of a child's life needs to be understood in the backdrop of the socio-economic, psychological, and technological hindrances they face, which further affects the potential of a child in numerous ways.  Building the Foundation: A child needs to develop solid Foundational Literacy and Numeracy (FLN) skills. FLN refers to basic reading, writing, and mathematics skills. Falling behind in the Foundational Learning years which encompass of preschool and elementary education makes children more vulnerable as it negatively impacts their learning outcomes. In addition to the existing issues pertaining to foundational learning years, the ongoing pandemic has highlighted the importance of technology in overall child’s education. Therefore, focus on the foundational learning is the need of the hour to ensure universal access to quality levels of education for all children in pre-primary and primary classes in India. The Index on Foundational Literacy and Numeracy is the first step in this direction, establishing an understanding of the overall state of Foundational Learning across children aged below ten years in Indian States and Union territories. The Index includes five pillars comprising of 41 indicators.  Educational Infrastructure Access to Education Basic Health Leaning Outcomes Governance India is committed to achieve the Sustainable Development Goals 2030. Zero Hunger, Good health and Well-being and Access to Education are the significant goals that have been mapped with the Index on Foundational Literacy and Numeracy. Key Highlights: Some states may serve as role models for others in certain aspects, but they too need to learn from other states while addressing their challenges. This holds true not only for high performers but also for low performing states.  States have performed particularly worse in the Governance pillar because over half of the states have a score that is below the national average, i.e., 28.05, the lowest across all pillars. These pillar-wise analyses help states assess the state of the budgetary measures and steps needed to improve the state of education and identify existing gaps that obstruct their growth. The issue of Access to Education is one that demands prompt action on the part of the States. The performance of Large States such as Rajasthan (25.67), Gujarat (22.28), and Bihar (18.23) is noticeably below average. Whereas the North-eastern states have the highest scores as a result of their superior performance. News Source: PIB  Miscellaneous Possible largest nuclear power generating site: To be established at Jaitapur in Maharashtra with a total capacity of 9900 MW  (Mains Focus) WOMEN/ SOCIETY/ GOVERNANCE GS-1: Society (Women’s Issues) GS-2: Government policies and interventions for development in various sectors and issues arising out of their design and implementation.  Legal Age of Marriage Context: The Union Cabinet has raised the legal age of marriage for girls to 21 on the recommendations of the four-member task force led by former Samata Party chief Jaya Jaitly.  What is the minimum age of marriage? Personal laws that govern marriage and other personal practices for communities prescribe certain criteria for marriage, including age of the bride and groom.  For example, Section 5(iii) of The Hindu Marriage Act, 1955, sets a minimum age of 18 for the bride and 21 for the groom. This is the same for Christians under the Indian Christian Marriage Act, 1872 and the Special Marriage Act. For Muslims, the criteria is attaining puberty, which is assumed when the bride or groom turns 15. Why is there a minimum age? Essentially to outlaw child marriage.  This is done through special legislation such as the Prohibition of Child Marriage Act, 2006 and the Protection of Children from Sexual Offences Act, 2012.  Under the Child Marriage Prevention Act, any marriage below the prescribed age is illegal and the perpetrators of a forced child marriage can be punished. What happens to such marriages once detected? Child marriages are illegal but not void.  It is voidable at the option of the minor party. This means the marriage can be declared void by a court only if the minor party petitions the court. This flexibility is kept to ensure that the rights of the minor, especially the girl, is not taken away in marital homes later on. However, if a court finds a minor was coerced into marriage by parents or guardians, the provisions of the Juvenile Justice (Care and Protection of Children) Act come into effect to keep the custody of the minor until he or she attains majority and can make a decision on the marriage. What was the rationale behind increasing legal age? The task force was set up by the WCD Ministry to re-examine age of marriage and its correlation to health and social indices such as infant mortality, maternal mortality, and nutrition levels among mothers and children.  Committee has said the recommendation is not based on the rationale of population control (India’s total fertility rate is already declining) but more with women’s empowerment and gender parity.  The committee has said access to education and livelihood must be enhanced simultaneously for the law to be effective. What laws will have to be changed to raise the minimum age of marriage? First, the age limit in the Prohibition of Child Marriage Act will have to be changed.  The government had indicated this will be followed by necessary changes in personal law. The Hindu Marriage Act, the Indian Christian Marriage Act and the Special Marriage Act will also have to be change consequently. However, changes in the Muslim law could raise significant legal issues. The opposition Experts have been opposing a raised age of marriage on two broad counts.  First, the law to prevent child marriages does not work. While child marriage has declined, it has been marginal: from 27% in 2015-16 to 23% in 2019-20, according to National Family Health Survey (NFHS) 5. The decrease was, however, dramatic in NFHS 4, from 47% in NFHS 3. The marriage age at 18 was set in 1978, but child marriage started to decline only in the 1990s, when the government stressed primary education of the girl child and took measures to reduce poverty.  Often the girl child drops out after primary school simply because she has no access to higher education, and is then married off. According to the State of the World Report 2020 by UNFPA, in India, 51% of young women with no education and 47% of those with only a primary education had married by age 18, compared to 29% of young women with a secondary education and 4% with post-secondary education. The second objection being raised is the criminalisation of a large number of marriages that will take place once the law comes into effect. While 23% of marriages involve brides under age 18, far more marriages take place under age 21.  The median age at first marriage for women aged 20-49 increased to 19 years in 2015-16 from 17.2 years in 2005-06, but remained under 21 years. What are these legal issues? The Prohibition of Child Marriage Act does not contain any provision that explicitly says the law would override any other laws on the issue. And there is an obvious discrepancy in the letter of the law between the Prohibition of Child Marriage Act and Muslim law on the minimum age of marriage. For example, although the marriage of a 16-year-old girl deemed to have attained puberty is not considered invalid in Muslim law, it would be a child marriage under the Prohibition of Child Marriage Act. Additionally, the Supreme Court, in a landmark 2017 verdict, has held that in case of a minor wife, the law recognises marital rape. Husbands of minor women, as opposed to husbands of adult women, cannot enjoy the blanket immunity that the Indian Penal Code provides in Exception 2 to Section 375 against charges of marital rape. Can Muslim law be amended too? Muslim law is a mere codification of Shariah law. In Shayara Bano v Union of India, the case in which the Supreme Court declared the practice of instant triple talaq as unconstitutional, one of the key questions was whether the Supreme Court could quash a religious or divine law. The court said all personal laws will have to fall under the constitutional framework and will be subject to public order, morality and health. Experts suggest the minimum age of marriage can be justified under public health. However, there are several differing verdicts from high courts on this issue. In February this year, the Punjab and Haryana High Court granted protection to a Muslim couple (a 17-year-old girl married to a 36-year-old man), holding that theirs was a legal marriage under personal law. The HC examined provisions of the Prohibition of Child Marriage Act but held that since the special law does not override personal laws, Muslim law will prevail. In other cases, the Karnataka and Gujarat High Courts have held that the 2006 special law would override personal laws and have sent the minor girl to a care facility. Which sections of society will be most affected due to rise of legal marriage age? Experts noted that 70% of early marriages take place in deprived communities such as SCs and STs, and said the law will simply push these marriages underground instead of preventing them.  According to NFHS 4 (2015-16), the median age at first marriage for women aged 25-49 is higher among the social categories of Others (19.5 years), OBC (18.5), ST (18.4) and SC (18.1). The experts said rural women will be affected more than urban women. According to NFHS 4, the median age at first marriage (age 25-49) for urban women (19.8) is 1.7 years more than that for rural women (18.1). Connecting the dots: Marital Rape  Women Issues Women Employment Women Friendly Cities Women with disabilities ECONOMY/ GOVERNANCE GS-3: Indian Economy and challenges GS-2: Government policies and interventions for development in various sectors and issues arising out of their design and implementation.  Reimagining Self-Help Groups (SHGs) Context: SHGs were created for providing financial access and gradually metamorphosed into the world’s largest microfinance program, where multiple agencies, NGOs, governments, banks work in unison.  The first SHG was linked by Bangarpet Branch of Vysya Bank in Kolar district, Karnataka.  RBI made this unconventional idea of linking informal women groups to formal banks, possible. The salient features of a good SHG are  Homogeneity Regular meetings Savings Book-keeping Accessing bank credit (usually 4-times their savings) Inter-lending and on-time repayment.  Progress of SHGs SHGs moved a long way, from the policy intention in 1992, to link 500 SHGs to banks. Now, there are about 1.2 crore SHGs.  Their savings deposit is about, ₹37,500 crore and outstanding credit ₹1,03,000 crore.  But, average loan outstanding per SHG at about ₹1.80 lakh (₹15,000-per member-considering 12 women per SHG) and percentage of non-credit linked SHGs at about 50 per cent has almost remained same. Considerable investments in community mobilisation through SHGs and capacity building resulted in social capital, manifested as women empowerment and credit-discipline. Linkage between Microfinance Institutions (MFIs) and SHGs MFIs began operations in early 2000s, initially in southern India. MFIs include, NBFC-MFIs, NBFCs, SFBs, banks and others which provide micro loans. About 200 such entities exist.  They currently have about 10 crore loan accounts with loan outstanding of about ₹2,47,000 crore. Per member loan is about ₹40,000 SHGs cater to the poorest and mostly rural clients and MFIs usually peri-urban.  SHGs lend to members taking loans from banks. MFIs provide loans to clients through Joint Liability Groups (JLG), comprising of about five members. They are jointly and severally responsible for loan repayment.  Clients of SHGs and MFIs are predominantly women. The process of Joint Liability Group formation and loaning is not as intensive, when compared to SHGs. MFIs operate in the social sector but are profit oriented whereas SHGs share profits from group lending amongst members. The NPA level, in both these programmes, is almost the same at 4-5 per cent.  Interestingly about 70 per cent of the current loan portfolios of MFIs is in south and eastern region where SHG movement is strong because of State patronage. The outstanding loans to SHGs is about 50 per cent in this region. MFIs are cost effective vehicle for providing loans as compared to commercial banks which have an advantage in providing bulk loans Way Forward Many rural bank branches can also provide micro loans when/if they strategise to increase business by providing loans to their existing eligible clients. Further, if banks use the credit-card model of fixing loan limits, contours of micro credit will be changed for good.  If, NGOs and Corporate Banking Correspondents, transform themselves into an intermediary; hand holding SHGs, providing financial literacy, guiding them with micro-enterprises, ensuring end use of credit, marketing assistance and repayment, livelihoods will improve.  If first loss default guarantees to banks can also be provided it would be wonderful. (ORF: Expert Speak) Dec 16: India’s digital health mission – https://www.orfonline.org/expert-speak/indias-digital-health-mission/  TOPIC: GS-2 – Government policies and interventions for development in various sectors and issues arising out of their design and implementation. India’s digital health mission Context: The 2017 National Health Policy’s mandate was to bring India closer to achieving universal health coverage.  This policy envisioned healthcare access of the highest level to all age groups, and the use of a preventive approach for treating diseases. In its implementation, the Ministry of Health and Family Welfare (MoHFW) acknowledged that to achieve these aims, India needs to digitise healthcare.  Commonly referred to as the Ayushman Bharat Digital Health Mission (ABDM), its establishment was recommended by India’s National Digital Health Blueprint under a committee set up by the MoHFW. The growing need to introduce electronic health records  In the current form, ABDM lays little emphasis on the use of this health data by the public health research community.  Electronic health records are most useful to public health research. In the absence of electronic health records, data for public health research studies is usually collected by public health agencies or research institutes as part of an ongoing or new study.  This requires time to plan the study, recruit participants, and train field staff before the actual data collection.  To facilitate longitudinal analysis, such data collection also needs to be carried out at pre-decided future intervals that could be months or years apart.  The limitations to this include high cost and lengthy durations of time. Having access to pre-collected data will address both these limitations. Most importantly, data from the health ID is likely to be more complete as compared to most hospital records in India, which comprise of paper prescriptions or manual register entries. The COVID-19 pandemic has made it clear that to obtain evidence-based findings real-world data needs to be available. While there is no doubt that with prior health records, a doctor or physician can flag the severity of COVID-19 for someone who has a history of diabetes or blood pressure, the reverse of this is also true.  Using medical history and disease end-point data, unknown risk factors of the disease can also be identified. This would require that electronic health records be made available and supplemented with additional information of the patient such as lifestyle.  For western countries, electronic health records are maintained at the hospital level, and they commonly store responses to basic lifestyle questions as part of the patient’s health record. Unique Health ID One of ABDM’s objectives is to develop a repository of verified hospitals, clinics, doctors, physicians, nurses, and pharmacies. As claimed by the ABDM, this will help filter out all the unscrupulous medical entities to avoid fraud. The ABDM relies on the premise of creating a unique health ID (identifier) for Indians.  The idea is to allow an individual to integrate all their health records onto one platform. Subject to the consent of the participating individual/patient, their health data will be made available for use by the treating doctor or physician, and more parties such as health insurance companies.  This health ID is different from the Aadhaar ID; multiple health IDs can be generated for the same individual.  ABDM claims that this will allow individuals to keep certain medical records private such as those relating to sexual history.  Armed with a retrospective medical history of the patient, a physician can make better diagnoses. This will improve quality of treatment and overall healthcare, and bring down financial costs for the patient. Subject to the consent of the participating individual/patient, their health data will be made available for use by the treating doctor or physician, and more parties such as health insurance companies. Technological Infrastructure The involved digital infrastructure for storage and accessing this data will be built on the National Health Stack.  The stack is a collection of pre-written code (or commonly referred to as APIs) specific to interface with the ABDM system.  This will be one platform where those interested (and approved) file for insurance claims, can perform analytics in addition to storing individual health data and hosting the repository of various medical agencies.  This health stack will also integrate with payment gateways.  Currently, around 14 crore users have enrolled for a health ID with the ABDM and the programme has been piloted for a year in six union territories in India. What are the challenges? Although ABDM is visionary and can be the much-needed digital intervention to improve healthcare access in India, its implementation and overall objectives need more thought. There are some issues that can be foreseen. These include patient-physician trust, technological challenges, and data protection.  Public Trust: In instances where remote or specialised consultation is being sought, a new physician or a doctor will need to gain the patient’s trust for obtaining consent of the patient to share their electronic health records. Internet Connectivity Problems: The public sector IT systems lack faster internet speed, robust websites, and lags in providing a seamless user experience. For a country where rates of computer illiteracy are high, interfaces need to be kept simple and should be more user friendly.  Training Personnel in Rural Areas: There is the issue of citizens living in rural areas accessing such a facility digitally. These citizens would need to rely on their treating doctor or physician, who is local to them, to register them for the health ID.  This treating doctor or physician would also need to be trained in dealing with patients’ personal details and, most importantly, the fact that enrollment into the ABDM Health ID is voluntary, and not mandatory.  Explanation on how the system works and the involved intricacies would also need to be communicated to allow citizens, especially in rural areas, to make an informed decision. Data protection: In the absence of data protection laws, both storage of one’s health data and its use will need to be governed by well laid down rules, even if there is consent by the individual/patient.  Currently, there is a Data Empowerment and Protection Architecture (DEPA) drafted by the NITI Aayog in 2020 to govern access of such data by public and private agencies.  For ABDM, the DEPA entails that if the individual/patient provides consent then their data can be shared to the agency requesting access.  Granting of ‘consent’ to a doctor or any other involved agency such as insurance companies should not mean that the data can be used for any other purpose than what the consent was granted for or be stored by them locally.  Informed Consent: ABDM claims that the individual is at liberty to deny consent in sharing their data; however, this may lead to some penalisation of the individuals who do not provide consent. For example, an insurance company may incentivise those who consent to share their electronic health data and make processes more rigid for those who do not.  Additionally, in some cases, consent may be sought from the organisation and not the individual. This would bypass individual consent for each request and needs another set of data governing rules, which are well-advertised and explained to the individual providing consent. Can you answer the following question? Digitalisation of healthcare in India is a game changer but it must be done with caution and awareness of the challenges associated with it. Discuss.  (TEST YOUR KNOWLEDGE) Model questions: (You can now post your answers in comment section) Q.1 Vanniyars are one of the largest and most consolidated backward communities of which of the following states of India? Tamil Nadu  Andhra Pradesh  Kerala Karnataka  Q.2 Consider the following statements: Typhoon and hurricane are two of the regionally specific names for strong tropical cyclones In the North Atlantic, central North Pacific, and eastern North Pacific, tropical cyclones are called typhoons.  Which of the following is or are correct? 1 only  2 only  Both 1 and 2  Neither 1 nor 2  Q.3 Consider the following statements. When a virus does not change it is called a mutation. A virus with one or more new mutations is known as a “variant” of the original virus. Which of the following is or are correct? 1 only  2 only  Both 1 and 2  Neither 1 nor 2  ANSWERS FOR 17th Dec 2021 TEST YOUR KNOWLEDGE (TYK) 1 A 2 A 3 B Must Read On Climate Change & UNSC:   The Hindu On WTO Challenge to MSP: The Hindu On lessons from farm movement: Indian Express