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[ILP 2022] How to use ILP for Late Joiners? - UPSC 2022

Dear Friends, Starting anything afresh is difficult; maintaining the momentum is even more arduous. Enthusiasm and initial vigor wane down with time. It is natural and happens with almost everyone. However, it is important that the cycle continues. For every new moon, there is a full moon. The same goes with your preparation also. The phases of low energy and inertia must be replaced by a phase of renewed vigor and determination. Ultimately, it’s not the effort that you put in your studies that matters; rather it’s your willingness to wake out of slumber and prolonged despondency that makes you successful. Our energy levels fluctuate and a dip is observed when we get bored or we have doubts in our minds. However, the worst of this lot is complacency. Even if a great player like Virat Kohli gets complacent and stops his training, he will be out of form soon. Similarly, even the legends like Sachin Tendulkar had seen the blues in his career because of doubts. We urge you to identify the cause that is creating the inertia of idleness and despondency for you. Let us remind you that the race you have decided to participate in, is a tough one and there are many contenders who are better placed and are putting their 100% right now. You have got a lot of catch-ups to do and at the same time maintain the lead that you have over others. That requires sustained efforts and the willingness to put that extra bit that will push you to reach your potential. See, preparing for the civil services examination is just like a test match. You have to be patient, alert, and consistent to build your innings. You can’t afford to be adventurous and start slogging in the middle. Of course, it takes time but the end result is sweet. At the outset, we at IASbaba would like to congratulate all our followers for making the Integrated Learning Program (ILP) a big success over the last couple of years and even bigger this year! Nothing can replace quality, passion, and pedigree for which IASBaba has become the name for! Since launching ILP-2022, we have received a couple to hundreds of emails asking for: Is it the right time to join ILP-2022? It is already September and I haven’t even started with the preparation. Should I join ILP? How will ILP be beneficial at this stage? How do I go about my preparation if I join ILP now? ILP is an intensive program having daily coverage and regular tests. I am already lagging behind. How should I go about this? We have tried to address those queries personally. However, here, we are trying to dispel the most prevalent doubts that we have received from our followers. We hope that these clarifications would make you take the right decision and you would start with a new zeal and energy. How will I cover left/missed portions of the plan if I join now? Backlog: You have to anyway cover them in the future. Isn’t it? UPSC syllabus remains the same and the examination will be common to all! Even if you intend to start now, you have to prepare for it completely. It is a psychological blockade that you are behind the plan. Though we started on 2nd August, you can designate the day you join as Day 1 of your schedule and proceed. Else you can also start with the current schedule and in parallel prepare from the previous schedule so that you pace yourself according to the plan. Two months before prelims, you will have enough time to revise everything. There are aspirants who joined our ILP with just a couple of months left for prelims last year and yet cleared prelims. Hence it is more about commitment and consistency. Our content and planning will organize you more and also let you focus on quality learning. So, we see no reason why cannot you use it to the fullest even now! Even as we speak close to half a hundred aspirants subscribe every day and start their journey. If you are starting now, then -  Study the Plan carefully - Static portions are clearly given, value add notes (VAN) are also updated according to the couse plan. You can pick the value add for a particular module; cover it as early as possible. It covers almost all the important and necessary stuff; it will become an easy task for you to understand the relevant concepts. For current affairs – follow Babapedia (Prelimspedia and Mainspedia) (Folder name- JULY 2021, SEPTEMBER 2021, OCTOBER 2021). Look inside. Date-wise updates are there. You can follow the same and prepare for the test. Watch this video on How to Use Bababapedia - CLICK HERE Similarly, if you start with the ongoing plan, then also you can prepare previous tests in parallel. Go slow but learn in the process. Also, if you go through the Schedule, you’d notice that the course ends before Prelims 2022 itself. Even if you join late (September, October) half of the Mains Exclusive Modules can be covered comprehensively after the Prelims Exam. For those who are not able to catch up with the Plan What if you were not a part of ILP? Then also you had to finish everything according to the syllabus. So, with the same time at your disposal, here you are getting a well-chalked-out micro plan, quality content, and guidance. And according to the plan a well-specified source to follow, which can guide you and prevent distractions. You need to remember that proper planning is very important otherwise you will keep on wandering till the end, and then panic before the exam. Please do not give yourself the false satisfaction that you are preparing.  Our suggestions At least you have quality content at your disposal. Prepare from that and revise properly. Take up the tests even if it is delayed due to personal issues. Do retrospective learning and learn all the concepts from the tests. Some Valuable Suggestions for Smart Preparation How are you revising from Tests and Babapedia? What will you do 1 month before the PRELIMS 2022 Exam? Will you sit again and download the test pdfs and start solving them again? If you do that, you will only end up doing mechanical work! We suggest the following: Make different sets of Note Books for Economy, S&T, Environment, History, Geography, and Polity - Only for Tests Suppose you are done with the first Module of the Polity Test comprising of 100 Questions from CA and Polity. 100 Questions will expose you to more than 200 related concepts. One Test - 200 Solid Concepts Write it down in Polity Note Book Do the same for all polity tests. The revision will become a cakewalk for you Since carrying this notebook will not be a problem, you can revise it anywhere and anytime. By the end of all Modules, you’ll have revised a particular subject at least thrice – 1st Reading through the Standard Book, 2nd through Value-Add Notes, 3rd through tests. And before the Prelims exam, you’ll have enough time to revise it again at least twice. (Imagine all those concepts in your respective notebook in revision friendly mode) The same way make different notebooks for current affairs from Babapedia. “Try to understand the importance of smart work” To Know More about ILP 2022 in ENGLISH (Features, Schedule, Sample Content, and FAQs) - CLICK HERE To Know More about ILP 2022 in हिन्दी (Features, Schedule, Sample Content, and FAQs) - CLICK HERE For More Queries -  Write to us at support@iasbaba.com OR call us at +91 91691 91888  

DAILY CURRENT AFFAIRS IAS | UPSC Prelims and Mains Exam – 13th September 2021

Archives (PRELIMS + MAINS FOCUS) NATGRID to go live soon Part of: Prelims and GS III - Defence and security  Context The Indian Prime Minister is soon expected to launch the National Intelligence Grid or NATGRID that aims to provide a “cutting-edge technology to enhance India’s counter-terror capabilities”. The final “synchronisation and testing” of the ambitious electronic database is being carried out so that it can go live. What is NATGRID? NATGRID is an online database for collating scattered pieces of information from more than 20 organisations in the field of telecom, tax records, bank, immigration, etc. to enable the generation of intelligence inputs.  NATGRID is a post Mumbai 26/11 attack measure.   It aims to mitigate a vital deficiency — lack of real time information, which was considered to be one of the major hurdles in detecting US terror suspect David Headley’s movement across the country during his multiple visits between 2006 and 2009.  NATGRID will utilise technologies like Big Data and analytics to study and analyse the data from various intelligence and enforcement agencies  At least 10 central agencies like IB, R&AW and others will have access to the data for counter-terror investigations.  It will also have access to the Crime and Criminal Tracking Network and Systems, including FIRs, across 14,000 police stations in India. Unlike the NCTC or the NIA which are central agencies, the NATGRID is essentially a tool that enables security agencies to locate and obtain relevant information on terror suspects from pooled data sets of various organizations and services in the country.  It will help identify, capture and prosecute terrorists and help preempt terror plots. The National Investigation Agency (NIA) and the National Counter Terrorism Centre (NCTC) are two organisations established in the aftermath of the Mumbai attacks of 2008. The data recovery centre for NATGRID is at Bengaluru Do you know?  NATGRID is exempted from the Right to Information Act, 2005 under sub-section (2) of Section 24.  The project was supposed to go live by December 31 2020 but was postponed due to COVID-19  News Source: TH  Findings of Chandrayaan-2 Part of: Prelims and GS III - Awareness in space. Context The Orbiter and other instruments of Chandrayaan-2 mission have, in two years, gathered a wealth of new information that has added to our knowledge about the Moon and its environment. What happened to Chandrayaan-2? Chandrayaan-2, India’s second mission to the Moon, had failed to make a soft-landing on the lunar surface. The lander and rover malfunctioned in the final moments and crash-landed, getting destroyed in the process. Why is this mission still relevant? Despite the failure, the mission’s orbiter and other parts have been functioning normally, gathering information. Recently, the ISRO released the information gathered by the scientific payloads till now, some of which were still to be analysed and assessed. Key information gathered from Chandrayaan-2 Presence of water molecules on moon which is the most precise information about water till date. Presence of Minor elements: Chromium, manganese and Sodium have been detected for the first time through remote sensing.  Information about solar flares: A large number of microflares outside the active region have been observed for the first time. It shall help in understanding the mechanism behind heating of the solar corona. More about the Chandrayaan-2 Mission Scientists used the Solar X-ray Monitor (XSM) onboard Chandrayaan-2 in September 2019 to study the Sun. Primary objective of Chandrayaan 2: To demonstrate the ability to soft-land on the lunar surface and operate a robotic rover on the surface. The mission consisted of an Orbiter of the Moon, Vikram (after Vikram Sarabhai) – the lander and Pragyan (wisdom) – the rover, all equipped with scientific instruments to study the moon. Atmanirbhar Bharat corner for tribal products Part of: Prelims and GS -II - Policies and interventions; Law and Policy Context As part of India@75, the Tribal Cooperative Marketing Development Federation (TRIFED) is setting up an Atmanirbhar Bharat corner. About Atmanirbhar Bharat corner This corner will be an exclusive space to promote GI tagged tribal art and craft products besides natural and organic products. With the focus on “Vocal for Local” and building an “Atmanirbhar Bharat”, TRIFED is undertaking several activities, while re-dedicating its efforts towards tribal empowerment. The TRIFED has been actively collaborating with several ministries & agencies such as:  Ministry of Culture. Department of Promotion of Industry and Internal Trade (DPIIT), Ministry of Commerce. India Posts. Ministry of Tourism.  Office of the Prime Minister.  TRIFED is also setting up an Atmanirbhar Bharat corner in 75 Indian Missions/ Embassies across the world in the next 90 days by collaborating with Ministry of External Affairs. The first Atma Nirbhar Bharat corner has been successfully inaugurated at the Indian Embassy in Bangkok, Thailand on the occasion of  Independence Day. What is TRIFED? It was established in August 1987 under the Multi-State Cooperative Societies Act, 1984 by the Government of India.  Main objective: Institutionalising the trade of Minor forest products(MFP) and to provide the tribals of India a fair price for the surplus agricultural products produced by them. It is a national level cooperative body. Ministry: Ministry Of Tribal Affairs. TRIFED is mandated to bring about socio-economic development of tribals of the country by institutionalising the trade of Minor Forest Produce & Surplus Agricultural Produce (SAP) collected/ cultivated by them. Footprints of 3 Dinosaur Species: Rajasthan Part of: GS Prelims and GS- I -  Important Geophysical phenomena Context Recently, in a major discovery, footprints of three species of dinosaurs have been found in the Thar desert in Rajasthan’s Jaisalmer district. It proves the presence of the giant reptiles in the western part of the State. About the Discovery: The footprints belong to three species of dinosaurs - Eubrontes cf. giganteus, Eubrontes glenrosensis and Grallator tenuis. The footprints were 200 million years old. The dinosaur species are considered to be of the theropod type, with the distinguishing features of hollow bones and feet with three digits (like fingers).  Theropod includes all the flesh-eating dinosaurs. The 'Age of Dinosaurs' (the Mesozoic Era - 252-66 Million Years Ago) included three consecutive geologic time periods (the Triassic, Jurassic, and Cretaceous Periods). Different dinosaur species lived during each of these three periods. About Thar Desert The name ‘Thar’ is derived from thul, the general term for the region’s sand ridges. It is also called the ‘Great Indian Desert’. Location: Partly in Rajasthan state, northwestern India, and partly in Punjab and Sindh provinces, eastern Pakistan. It is bordered by the irrigated Indus River plain to the west, the Punjab Plain to the north and northeast, the Aravalli Range to the southeast, and the Rann of Kachchh to the south. It Presents an undulating surface, with high and low sand dunes separated by sandy plains and low barren hills, or bhakars. Barchan, also spelled Barkhan, crescent-shaped sand dunes produced by the action of wind predominately from one direction are also present. Several playas (saline lake beds), locally known as dhands, are scattered throughout the region. The desert supports a relatively rich biodiversity with several large mammals, notably the blue bull, blackbuck, and Indian gazelle or chinkara. (News from PIB) Nukhai Part of: GS-Prelims and GS-I – Art & Culture Celebrated in: Western Odisha and adjoining areas of Simdega in Jharkhand. It is an agricultural festival, observed to welcome the new rice of the season.  It is observed on the fifth day of the lunar fortnight of the month of Bhadrapada or Bhaadra (August–September), the day after the Ganesh Chaturthi festival. People offer the newly harvested crop called Nabanha to their respective presiding deities, as a part of the rituals News Source: PIB ‘2+2’ Ministerial Dialogue between India & Australia Part of: Prelims and GS – II – International Relations  The 2+2 dialogue signifies the importance of the India – Australia Comprehensive Strategic Partnership. India and Australia share an important partnership which is based on a shared vision of free, open, inclusive and prosperous Indo-Pacific region. As two democracies we have a common interest in peace and prosperity of the entire region. Key Highlights In-depth discussion on bilateral & regional issues Afghanistan, maritime security in Indo-Pacific, cooperation in multilateral formats & other related topics discussed Emphasis on ensuring free flow of trade, adherence to international rules & sustainable economic growth in entire region Invitation to Australia to engage in India’s growing defence industry - expand military engagements across services, facilitate greater defence information sharing and to work closely for mutual logistic support; invited Australia to engage India’s growing defence industry and to collaborate in co-production and co-development of defence equipment. News Source: PIB Saline Gargle RT-PCR technique Part of:  GS Prelims  In News: In a notable step forward in India’s fight against COVID-19, Nagpur-based National Environmental Engineering Research Institute (NEERI) has transferred the know-how of indigenously developed Saline Gargle RT-PCR technique, used for testing COVID-19 samples. The Saline Gargle RT-PCR technology is simple, fast, cost-effective, patient-friendly and comfortable It also provides instant test results and is well-suited for rural and tribal areas, given minimal infrastructure requirements.  The transfer of knowhow would enable the innovation to be commercialized and licensed to all capable parties, including private, government and various rural development schemes and departments. This will lead to commercial production in the form of easily usable compact kits in the light of the prevailing pandemic situation and probable third wave of COVID-19. News Source: PIB Subramania Bharati Part of: GS-I: Personalities in Indian national movements Context: PM pays tribute to Subramania Bharati on his 100th Punya Tithi About Subramania Bharati A Tamil writer, poet, journalist, Indian independence activist, social reformer and polyglot Popularly known as "Mahakavi Bharathi" ("Great Poet Bharathi"), he was a pioneer of modern Tamil poetry and is considered one of the greatest Tamil literary figures of all time. His numerous works included fiery songs kindling patriotism during the Indian Independence movement. He fought for the emancipation of women, against child marriage, stood for reforming Brahminism and religion. He was also in solidarity with Dalits and Muslims. News Source: PIB Acharya Vinoba Bhave Part of: GS-I: Personalities in Indian national movements Context: PM pays tributes to Acharya Vinoba Bhave on his Jayanti An Indian advocate of nonviolence and human rights Often called Acharya (Sanskrit for teacher), he is best known for the Bhoodan and Gramdaan Movement. He is considered as a National Teacher of India and the spiritual successor of Mahatma Gandhi.  He was an eminent philosopher. The Gita has also been translated into Marathi language by him with the name as Geetai means mother Geeta News Source: PIB e-Shram portal – National Database on Unorganized Workers (NDUW) Part of: GS Prelims and Mains GS-II- Governance In News:  Chief Labour Commissioner (Central) Holds Interactions with Trade Unions and Media at Mathura refinery. What is the e-Shram portal? e-Shram portal is a portal through which the government aims to register 38 crore unorganised workers, such as construction labourers, migrant workforce, street vendors and domestic workers, among others.  The workers will be issued an e-Shram card containing a 12-digit unique number, which, going ahead, will help in including them in social security schemes. Significance of e-Shram portal – National Database on Unorganized Workers (NDUW) Targeted identification of the unorganized workers was a much-needed step and the portal which will be the national database of our nation builders will help take welfare schemes to their doorstep, who are the builders of our Nation. Targeted delivery and last mile delivery, has been a major focus of the schemes of government of India and the National Database of Unorganised workers (E-Shram portal) is another key step towards that. News Source: PIB (Mains Focus) INTERNATIONAL/ SECURITY GS-2: Policies and politics of developed and developing countries U.K.’s Children’s Code Context: Recently, U.K. government brought into effect the Age Appropriate Design Code or the Children’s Code that provides a set of regulations that will make using the digital space safer for children. What is the Children’s Code? The Children’s Code is a data protection code of practice for online services likely to be used by children.  It sets out 15 standards for online services, including in apps, games, toy and devices and even news services.  It is rooted in the United Nations Convention on the Rights of the Child that recognises the special safeguards children need in all aspects of their life.  What are the threats to children online? Research shows that within 24 hours of a social media profile being created, children were being targeted with graphic content. It shows that services such as Facebook, Instagram and TikTok are allowing children, some as young as 13 years old, to be directly targeted within 24 hours of creating an account with a stream of harmful content.  Despite knowing the children’s age, the companies are enabling unasked contact from adult strangers  These platforms are recommending damaging content, including material related to eating disorders, extreme diets, self-harm and suicide as well as sexualised imagery and distorted body images.  Further, these recommendations are by no means ‘bugs’ or mistakes in the code. They are designed to maximise engagement, activity and followers — the three drivers of revenue.  Though not intentionally designed to harm children, they are not currently creating a safe space for them to learn, explore and play Who does the Code apply to? The Code applies to “information society services likely to be accessed by children”.  This includes apps; programs; search engines; social media platforms; online messaging or internet-based voice telephony services; online marketplaces; content streaming services (like video, music or gaming services); online games; news or educational websites; and any websites offering other goods or services to users on the internet.  Electronic services for controlling connected toys and other connected devices are also included.  The code applies to the U.K. based companies and non-U.K. companies that use data of children in the country.  Will children in India benefit from the Code? It has the potential to completely transform the way that companies collect, share and use children’s data, requiring them to offer children a high level of privacy protection by default UK Code will force tech giants to make the entire architecture child-friendly, and not region-specific alone. If tech giants universalise their safety architecture, children across the world, including in India, will benefit from the Code.  Conclusion It is high time that the Indian government incorporated child safety into its social media agenda. Connecting the dots: Personal Data Protection Bill New Social Media Code by India ECONOMY/ GOVERNANCE GS-3: Indian Economy and issues relating to planning, mobilization, of resources, growth, development and employment. GS-2: Government policies and interventions for development in various sectors and issues arising out of their design and implementation Account Aggregator: New Framework to Share Financial Data Context: On September 2, the RBI launched the account aggregator framework aimed at making financial data more easily accessible.  Under it, a number of fin-tech entities have been granted the licence by RBI to operate as account aggregators.  Eight large banks have also agreed to share various financial data about their customers with account aggregators. How will an account aggregator work? The framework will allow financial data to be exchanged between the holders of data and its users.  The RBI has allowed a number of companies like PhonePe to act as account aggregators to facilitate this process.  Account aggregators will act as intermediaries who will collect data from one financial entity and exchange it with another.  For example, a bank which is processing a loan application from a potential borrower may want to access a variety of financial data about the borrower. The lending bank can access details of the borrower’s savings, past loan repayment record, mutual fund holdings and insurance holdings through an account aggregator.  The borrower, however, will have to grant consent for the sharing of his data with the lending bank. What are its benefits? At the moment, the various financial data of an individual is scattered across the databases of several financial institutions. So a person’s savings and loans data may be with a bank, his investments data may be with a mutual fund, while his insurance data may be with another financial entity.  Under the account aggregator framework, all this data can be easily collated and shared through account aggregators with the consent of the individual.  Proponents of the framework believe that the easier availability of data will have significant benefits for the economy.  The framework will help financial institutions make better assessment of the creditworthiness of individuals, and thus make better loan decisions.  Even though mechanisms such as CIBIL already exist to assess the creditworthiness of individual borrowers, their scope is limited.  An individual’s PAN number, for instance, captures only a limited number of transactions which are of value higher than a certain minimum threshold amount.  It is said the framework will offer a wider array of data to financial firms, making them more willing to serve creditworthy populations that they earlier ignored.  Account aggregators can also make life easier for creditworthy customers by allowing them to share their financial data digitally with ease. The availability of wider financial data may also help financial institutions offer better products tailored to the needs of individual customers. What are the safeguards provided? The issue of the security of the financial data of individuals will be a looming concern going forward, given the risk of data theft.  To protect the privacy of individuals, account aggregators are supposed to receive and share financial data in an encrypted form.  The RBI has also said the data ownership will reside with individuals.  What happens next? More financial firms are expected to get on board the framework given the benefits of accessing data. Over time, financial institutions may also mandate data from account aggregators as a condition for individuals to receive loans and other services.  Some believe an individual’s PAN number may be a better way to access his financial data as it serves as a common link between multiple accounts maintained by an individual.  The eventual success of the framework, however, will depend on multiple factors. The extent to which financial firms desire extensive, micro-level financial data from their customers and the enthusiasm among customers to share their data will also play a crucial role. Connecting the dots: UPI – India’s Digital payment Revolution eRUPI & Governance (AIR Spotlight) Spotlight Sep 11: Discussion on New strides in Food processing sector https://youtu.be/Cvabhu4XUsk  ECONOMY GS-3: Food Processing Food processing sector Context: India has made vast progress overtime in providing food security for its people and has become largely self-reliant in agriculture. Accordingly, the policy focus has shifted from attaining self-sufficiency to generating higher and stable income for the farming population. Food processing industry (FPI) is one area which has the potential to add value to farm output, create alternate employment opportunities, improve exports and strengthen the domestic supply chain.  India, with about 11.2 per cent of total arable land in the world, is ranked first in the production of milk, pulses and jute, second in fruits and vegetables and third in cereals (Government of India, 2019).  It is also the sixth largest food and grocery market in the world. Food & Grocery retail market in India further constitutes almost 65% of the total retail market in India. By 2025, India’s food processing industry is expected to be worth over half a trillion dollars. Through the Ministry of Food Processing Industries (MoFPI), the Government of India is taking all necessary steps to boost investments in the food processing industry in India. The government has sanctioned 41 food parks funded under the Mega Food Parks Scheme of which 38 have final approval; 22 are operational as of 1 August 2021.  Potential of Food processing industry in India  The importance of post-harvest management is that it has the capability to meet food requirements of a growing population by eliminating losses, making more nutritious food items from raw commodities, i.e., fruits and vegetables, and by proper processing and fortification. Employment Generation: It provides direct and indirect employment opportunities, because it acts as a bridge between Agriculture and Manufacturing. Doubling of farmers’ income: With the rise in demand for agri-products there will be commensurate rise in the price paid to the farmer, thereby increasing the income. Reduce malnutrition: Processed foods when fortified with vitamins and minerals can reduce the nutritional gap in the population. Reduce food wastage: UN estimates that 40% of production is wasted. Similarly, NITI Aayog estimated annual post-harvest losses of close to Rs 90,000 crore. With greater thrust on proper sorting and grading close to the farm gate, and diverting extra produce to FPI, this wastage could also be reduced, leading to better price realisation for farmers. Boosts Trade and Earns Foreign exchange: It is an important source of foreign exchange. For e.g. Indian Basmati rice is in great demand in Middle Eastern countries. Curbing Migration: Food Processing being a labour intensive industry will provide localized employment opportunities and thus will reduce the push factor in source regions of migration. Curbing Food Inflation: Processing increases the shelf life of the food thus keeping supplies in tune with the demand thereby controlling food-inflation. For e.g. Frozen Safal peas are available throughout the year. Crop-diversification: Food processing will require different types of inputs thus creating an incentive for the farmer to grow and diversify crops. Preserve the nutritive quality of food and prolongs the shelf life by preventing them from spoilage due to microbes and other spoilage agents, Enhances the quality and taste of food thereby bringing more choices in food basket Enhances consumer choices: Today, food processing allows food from other parts of the world to be transported to our local market and vice versa. Challenges Faced by Food Processing Industry in India Supply and Demand Side Bottlenecks Small and dispersed marketable surplus due to fragmented holdings, low farm productivity due to lack of mechanization, high seasonality, perishability and lack of proper intermediation (supply chain) result in lack of availability of raw material. This in turn, impedes food processing and its exports. Demand of processed food is mainly restricted to urban areas of India. Infrastructure Bottlenecks More than 30% of the produce from farm gate is lost due to inadequate cold chain infrastructure. The NITI Aayog cited a study that estimated annual post-harvest losses close to Rs 90,000 crore. Lack of all weather roads and connectivity make supply erratic. Informalization in Food Processing Industry The food processing industry has a high concentration of unorganised segments, representing almost 75% across all product categories. Thus, causes the inefficiencies in the existing production system. Deficiencies in the Regulatory Environment: There are numerous laws, under the jurisdiction of different ministries and departments, which govern food safety and packaging. The multiplicity of legislation and administrative delays leads to contradictions in food safety specifications and guidelines. Low-Value Exports:  Further, most processing in India can be classified as primary processing, which has lower value-addition compared to secondary processing. Due to this, despite India being one of the largest producers of agricultural commodities in the world, agricultural exports as a share of GDP are fairly low in India relative to the rest of the world. The same proportion is around 4% for Brazil, 7% for Argentina, 9% for Thailand, while for India it is just 2%. Besides these, issues like mounting cost of finance, lack of skilled and trained manpower, inadequate quality control and packaging units and high taxes and duties, thwart development of FPI. The new strides to further boost the sector: India cannot afford any wastage of food, according to FAO; every third malnourished child is an Indian. Several measures have been taken by the Indian government like National Food Security Act, 2013 and India Food Banking network. However, with the rapid increase in the population, it is of essence for the Indian government to improve the measures for preventing wastage of food.The cooperatives sector can help to decrease this wastage. There is a need for an integrated approach with a focus on forging backward and forward linkages, which are crucial for scaling up the economic viability of the sector. The regulatory framework for contract and corporate farming needs to be developed in this regard. Model land leasing law developed by NITI Aayog is a step in the right direction that needs to be implemented by states with suitable local adaptations and modifications. Promote the holistic development of the sector by increasing private sector participation with a well-developed framework for risk-sharing and fiscal incentives for creating infrastructure for logistics, storage, and processing. There is a need for modification in the Mega food park scheme for first-time entrepreneurs as the current cap of ten crores credit is not sufficient and has to be enhanced for the high-cost adoption of technology and enhancement of scale. The implementation architecture needs to be simplified for a complete overhaul of certifying and approval procedures. There is a crying need to get a single window scheme for the same. Ensure uniform implementation of the APMC act to increase private sector participation and also harmonisation of tax structure under GST to reduce vast fluctuations in price. There is also an urgent need to improve research and development (R&D) standards. This will meet stringent global standards and increase the scope for exports. The globalisation has increased trade across the borders and about 460 million tons of food valued at US$ 3 billion is traded annually. Hence, India has immense potential for global trade in agricultural and processed food products. The share of food processing exports in total exports was about 12% during the last few years. Between 2011 and 2015, India s exports of processed food products have been growing at a compounded annual growth rate (CAGR) of 23.3%. These figures reinforce the fact that India can capitalise on the export potential of the food processing sector in the forthcoming years. There is also a need to encourage academia and industry to commence courses in food packing, processing, biotechnology, information technology so that there would be a constant supply of skilled manpower and also help India achieve global excellence in the food processing sector. Can you answer? Integration of food processing into the agricultural production cycle will help achieve the target of doubling farmers’ income. Do you agree? Substantiate. (TEST YOUR KNOWLEDGE) Model questions: (You can now post your answers in comment section) Note: Correct answers of today’s questions will be provided in next day’s DNA section. Kindly refer to it and update your answers. Q.1 According to ISRO, Chandrayaan-2 moon mission explored which area of the moon? Moon’s North Pole Moon's South Pole Moon's North-West part. Unexplored part of the Moon Q.2 The Tribal Cooperative Marketing Development Federation (TRIFED) comes under which of the following Ministry? Ministry Of Tribal Affairs Ministry Of Commerce Ministry of Environment  None of the above Q.3 Barchans are characteristic features of which of the following regions? Amazon forest The Great Indian Desert Mediterranean region The Great Barrier Reef ANSWERS FOR 11th Sept 2021 TEST YOUR KNOWLEDGE (TYK) 1 C 2 B 3 B Must Read On Food Emergency in Sri Lanka: The Hindu On Gender Equity in Higher Education: Deccan Herald On Water Scarcity in NER: Down to Earth

[Day 106]: UPSC PRELIMS 2021- Rapid Revision (RaRe) Series

Highlights/Features of Rapid Revision (RaRe) Series:  It is a FREE initiative! Program Duration - 120 Days (31st May, 2021 to 27th September, 2021). 1. Dedicated Portal for Focused Preparation There will be a separate dedicated portal to help you stay focused and keep your preparation streamlined for the next 120 Days. The Registration link for the dedicated portal is given at the end of the post. 2. 120 Days Integrated (Prelims + Mains) Time Table This year’s RaRe Series will include Integrated Revision Plan (IRP) where we will be syncing your mains and prelims syllabus together over next 120 Days. The Revision Plan is designed by integrating IASbaba's famous flagship initiatives - 60 Day Plan and TLP Mains Answer Writing. 3. Daily RaRe Series (RRS) Videos on High Probable Topics (Monday - Friday) In video discussions, special focus is given to topics which have high probability to appear in UPSC Prelims Question Paper. Each session will be of 20 mins to 30 mins, which would cover rapid revision of 10 high probable topics (both static and current affairs) important for Prelims Exam this year according to the schedule. 4. Daily Prelims MCQs from Static (Monday - Friday) Daily Static Quiz will cover all the topics of static subjects – Polity, History, Geography, Economics, Environment and Science and technology. 10 questions will be posted daily and these questions are framed from the topics mentioned in the schedule and in the RaRe videos. It will ensure timely and streamlined revision of your static subjects. Note: Should be integrated with the 60 Days Plan 2021. This will expose you to diverse questions from the same topics. 5. Daily Current Affairs MCQs (Monday - Saturday) Daily 5 Current Affairs questions, based on sources like ‘The Hindu’, ‘Indian Express’ and ‘PIB’, would be published from Monday to Saturday. Note: Current Affairs questions covered in the 60 Days Plan and Daily Quiz Monthly Compilations should be covered retrospectively. 6. Daily CSAT Quiz (Monday - Friday) CSAT has been an achilles heel for many aspirants. Daily 5 CSAT Questions will be published. 7. Daily Mains Answer Writing (Monday - Friday) GS Mains will be covered along with Prelims in an integrated manner. Daily three Mains questions will be covered syllabus-wise according to the topics mentioned in the schedule. In total, it covers 250+ Mains Questions along with synopsis. 8. Brainstorming on Ethics & Essay (BEE) (Saturday & Sunday) Each week, Sunil Oberoi Sir (Retd. IAS) will take 3 sessions, two for Essay and one for Ethics. The two sessions earmarked for Essay will have a topic-based discussion where he will discuss the approach to write issue-based and philosophical essays. The topics will be picked from previous year question papers of UPSC and TLP initiative of IASbaba. 9. Full Mocks 3 GS Paper 1 Full Mocks will be provided along the lines of UPSC Prelims. 3 CSAT Paper 2 Full Mocks will be provided so that you are not overwhelmed during the D-Day. 10. Rapid Revision (RaRe) Notes Right material plays important role in clearing the exam and Rapid Revision (RaRe) Notes will have Prelims specific subject-wise refined notes. The main objective is to help students revise most important topics and that too within a very short limited time frame. Day-106 of RaRe Series - Click here To Register - Click here For complete details of the RaRe Series -  Click here

Daily Prelims CA Quiz

UPSC Quiz – 2021 : IASbaba’s Daily Current Affairs Quiz 13th September 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 – The treasure is within – Inspirational Educative Articles

The treasure is within: Unless you meditate you will not know the uses of meditation. Unless you explore your inner life and see the kind of treasures that are hidden within you, will not know the use of them. When you dig deeper and you find a diamond, that is when you will think, “Oh, what can I do with this?” As of now, you’re not missing the diamond. You don’t need it because you’ve created a way of life in which everything is just going about. To know, to even know how deep you we are in ignorance, we need meditation. We can try and explain inner silence as much as we want, but really, it’s impossible to explain the benefits of meditation unless you have tasted it. Unless you have gone through it, it is impossible to know. At the most basic level, meditation helps you to understand your thought process. It helps you to gain control over your thoughts. As of now, your thoughts control you. Meditation reverses that process: That’s the first benefit. Then as you go deeper into it, meditation will help you to understand your emotions, which are the foundation of all your thoughts. By being aware of your emotional states you can have 100% control over how you act: Somebody else cannot make you angry, and somebody else cannot make you frustrated, once you know that it is your own emotions that are responsible for all the chaos and confusion. Once you can get to that level of understanding, then you have much better control over your life, and much better control over your present and future. “This article is a part of the creative endeavor of Nirvana Foundation and IASBABA.”

DAILY CURRENT AFFAIRS IAS | UPSC Prelims and Mains Exam – 11th September 2021

Archives (PRELIMS + MAINS FOCUS) Rainfall recorded in August lowest in 12 years: IMD Part of: Prelims and GS - I - Geography and GS III - Climate change  Context According to the India Meteorological Department (IMD), Rainfall in August, which recorded 24% deficiency, was lowest in 12 years. The Southwest Monsoon season officially commences from June 1 and lasts till September 30. What are the possible reasons for large deficient rainfall? The formation of less number of low pressure systems (LPS) and their lesser number of days compared to climatology. Absence of longer westward movements of LPS during the month of August 2021.  Negative Indian Ocean Dipole (IOD) over tropical Indian Ocean, unfavourable for Indian monsoon prevailed throughout the month of August.  What is the Indian Ocean Dipole?  The Indian Ocean Dipole (IOD), also known as the Indian Niño, is an irregular oscillation of sea surface temperatures in which the western Indian Ocean becomes alternately warmer (positive phase) and then colder (negative phase) than the eastern part of the ocean. A negative IOD is associated with the heating of waters of the Indian Ocean. A positive IOD is associated with droughts in Southeast Asia and Australia. It is expected that the Western Indian ocean will warm at accelerated rates due to climate change leading to an increasing occurrence of positive IODs. This is likely to result in the increasing intensity of rainfall during the short rain period over East Africa. Revamped U.S.-India Strategic Clean Energy Partnership (SCEP) launched Part of: Prelims and GS - II - International Relations  and GS III - Environment  Context Indian Minister of Petroleum and Natural Gas co-chaired a virtual Ministerial meeting with the U.S. Secretary of Energy to launch the revamped U.S.-India Strategic Clean Energy Partnership (SCEP).  The SCEP was launched in accordance with the U.S.-India Climate and Clean Energy Agenda 2030 Partnership announced by the Indian Prime Minister and USA’s President at the Leaders’ Summit on Climate held in April 2021. Key takeaways from the meeting  The revitalized SCEP emphasises on electrification and decarbonization of processes and end uses, scaling up and accelerating deployment of emerging clean energy technologies, and finding solutions for hard-to-decarbonize sectors. Under the SCEP, both countries agreed to collaborate across five pillars — Power and Energy Efficiency; Renewable Energy; Responsible Oil and Gas; Sustainable Growth; and Emerging Fuels. Emerging fuels were newly added to the list of areas of cooperation Climate Action and Finance Mobilization Dialogue under the Agenda 2030 Partnership will also be launched on September 13 that builds upon the U.S. and India's bilateral energy dialogue that accelerated energy security and innovation. The two countries agreed to continue cutting edge research and development through the longstanding U.S.-India Partnership to Advance Clean Energy-Research (PACE-R), prioritizing research on emerging clean energy technologies. They will also continue to advance innovation in civil nuclear power as a net-zero solution through different collaborative programmes, including the Civil Nuclear Energy Working Group. The private sector and other stakeholders across the technical areas shall be engaged to help deploy clean technologies.  India-U.S. Task Force on Biofuels was also announced to build cooperation in the biofuels sector. The electric grid in India shall be strengthened to support large-scale integration of renewables. Gas Task Force shall be rechristened to India-U.S. Low Emissions Gas Task Force, which would continue to forge collaboration between the U.S. and Indian companies on innovative projects to support India’s vision of a gas-based economy. What are Emerging Fuels? Emerging fuels are alternative fuels that are under development or already in use.   Benefits: These fuels can increase energy security, reduce emissions, improve vehicle performance, and stimulate the economy.   Examples include Biobutanol (Butyl Alcohol), Biofuels, Methanol, etc. UN World Tourism Organization (UNWTO) award Part of: Prelims and GS - II - International Relations and GS III - Tourism; Economy  Context Ladhpura Khas, a village in Madhya Pradesh's Niwari district, has been nominated by The Union Ministry of Tourism in the 'Best Tourism Village' category for the United Nations World Tourism Organization (UNWTO) Award. Ladhpura Khas village is located near tourist town Orchha. About the 'Rural Tourism Project'  The 'Rural Tourism Project' has been started in villages across Madhya Pradesh, including in Ladhpura Khas. Objective: Giving shape to the concept of village tourism by adding new dimensions. In the next five years, 100 villages will be developed from the point of view of rural tourism.  Among these, suitable sites will be selected and developed around tourist places, including Orchha, Khajuraho, Mandu, Sanchi, Pachmarhi, Tamia, Panna National Park, Bandhavgarh National Park, Sanjay Dubri National Park, Pench and Kanha National Park. MP Tourism Board is also providing training to develop tourism-related products with community participation Significance: Rural tourism shall provide an opportunity to local people to learn about the interests and needs of tourists while maintaining the importance of local culture and tradition. The local community will directly benefit from the development of tourism in their area through job creation. What is the United Nations World Tourism Organization (UNWTO)?  United Nations World Tourism Organization (UNWTO) is the United Nations specialized agency entrusted with the promotion of responsible, sustainable and universally accessible tourism, having  Its  headquarters is in Madrid, Spain. It encourages the implementation of the Global Code of Ethics for Tourism to maximize the contribution of tourism to socio-economic development, while minimizing its possible negative impacts. Swachh Survekshan Grameen 2021 Part of: Prelims and GS - I - Population and its dimensions and GS -II - Policies and interventions  Context Swachh Survekshan Grameen, 2021 was launched recently under the Swachh Bharat Mission Phase- 2. It aims to support acceleration of ODF plus interventions and results in the country. About Swachh Survekshan Grameen (SSG), 2021  An expert agency has been hired to conduct the Survekshan 2021. As part of the Survekshan, Villages, Districts and States would be ranked using key parameters. 17,475 villages in 698 Districts across the country will be covered where schools, anganwadis, public health centres, haat/bazaars/religious places will be visited for survey. Also, citizens will be mobilised to provide feedback on sanitation related issues online using an application developed for the purpose. What is the Background of SSG? It was Commissioned by the Department of Drinking Water and Sanitation (DDWS) under the Ministry of Jal Shakti. It has been a vehicle for creating a Janandolan (people’s movement). Districts are ranked based on their performance on key quality and quantitative parameters. The weights to different elements of the SSG 2021 are as below: Direct Observation of sanitation at public places - 30% Citizen’s Feedback - 35% Service Level Progress on sanitation related parameters - 35% What is Swachh Bharat Mission (Grameen) Phase-II? SBM (G) Phase-II was approved in February 2020 by the Ministry of Jal Shakti and will be implemented from 2020-21 to 2024-25 with total outlay of Rs. 1,40,881 crores. It emphasizes the sustainability of achievements under phase I and to provide adequate facilities for Solid/Liquid & plastic Waste Management (SLWM) in rural India. The fund sharing pattern between Centre and States will be 90:10 for North-Eastern States and Himalayan States and UT of J&K; 60:40 for other States; and 100% for other Union Territories. About Open Defecation Free (ODF), ODF+, ODF++ Status (for Town and Cities) ODF: At any point of the day, not even a single person is found defecating in the open. ODF+: At any point of the day, not a single person is found defecating and/or urinating in the open, and all community and public toilets are functional and well maintained. ODF++: If the area is already ODF+ and the faecal sludge/septage and sewage are safely managed and treated Pollen calendar Part of: GS Prelims and GS- III -  Environment Context Recently, Chandigarh got its first Pollen calendar, arguably the first for any city in India. What is a Pollen Calendar? Pollen calendars represent the time dynamics of airborne pollen present in a particular geographical area.  They yield readily accessible visual details about various airborne pollen present throughout the year in a single picture. Pollen calendars are location-specific, with concentrations closely related to locally distributed flora. Europe, UK and the US are using regional pollen calendars in a big way to prevent and diagnose allergic rhinitis/hay fever and predict the timing and severity of the pollen season. Significance of a pollen calendar? A pollen calendar provides a clear understanding for clinicians, as well as people with allergies to identify the potential allergy triggers and help to limit their exposure during high pollen load season. The early advisories can be prepared and disseminated through media channels to the citizens  About Chandigarh’s Pollen calendar The pollen calendar for Chandigarh was prepared by studying airborne pollen and its seasonal variations for about two years. The study highlights the variability of crucial pollen types in different seasons. Spring and autumn are two seasons when airborne pollen dominate.  Pollen & its impact on Human health- Pollen grains are male biological structures with the primary role of fertilisation, but when inhaled by humans, they may strain the respiratory system and cause allergies.  Pollen found suspended in air can cause widespread upper respiratory tract and nasobronchial allergy with manifestations like asthma, seasonal rhinitis, and bronchial irritation. About 20-30% of the population suffers from allergic rhinitis/hay fever in India, and approximately 15% develop asthma.  Pollen is considered a major outdoor airborne allergen responsible for allergic rhinitis, asthma, and atopic dermatitis in humans. Trees such as palms, nettle, safeda, white mulberry (shahtoot), congress grass, pine, have a high incidence of pollen. Miscellaneous Place in news: Qeqertaq Avannarleq It is a tiny, uninhabited and previously unknown island discovered recently off the coast of Greenland. Measuring 60×30 metres and with a peak of three metres above sea level, it has now become the new northernmost piece of land on Earth. Before this, Oodaaq was marked as the Earth’s northernmost terrain. The discovery comes as a battle is looming among Arctic nations, the US, Russia, Canada, Denmark and Norway for the control of the North Pole and of the surrounding seabed, fishing rights and shipping routes exposed by melting ice due to climate change. (News from PIB) Transport and Marketing Assistance (TMA) scheme Part of:  GS Prelims and GS-II: Government policies and interventions for development in various sectors and issues arising out of their design and implementation In News: Centre Revises "Transport and Marketing Assistance" (TMA) scheme for Specified Agriculture Products’ Background: In February 2019, the Department of Commerce had introduced ‘Transport and Marketing Assistance (TMA) for Specified Agriculture Products Scheme’ to provide assistance for the international component of freight, to mitigate disadvantage of higher freight costs faced by the Indian exporters of agriculture products.  Following major changes have been made in the revised scheme: Dairy products, which were not covered under the earlier scheme, will be eligible for assistance under the revised scheme. Rates of assistance have been increased, by 50% for exports by sea and by 100% for exports by air. Advantage: Enhanced assistance under the revised scheme is expected to help Indian exporters of agricultural products to meet rising freight and logistics costs. News Source: PIB Rice Fortification: A complementary approach to address Nutritional Anaemia Part of: GS Prelims and GS-II: Health & Governance In News: To mark the ongoing 4th Rashtriya Poshan Maah, a webinar on rice fortication was organised. Background: Prime Minister in his address on the 75th Independence Day (15th August, 2021) had made an announcement that fortified rice will be provided through all Government of India schemes by 2024.  India and Malnutrition India has been taking promising steps to ensure food security and improving the nutrition outcomes of its population, it is, therefore, about time that fortification is integrated into the larger response to address malnutrition in the country with the understanding that it will reinforce, complement and support ongoing nutrition improvement programmes such as supplementation & dietary diversification. Malnutrition especially child malnutrition is a major threat to the growth and development of children. According to a National Family Health Survey report, India has the largest burden of iron-deficiency and anaemia worldwide. About 59% of children and 50% of pregnant women are anaemic in India. Child and maternal malnutrition accounts for 15% of India’s total disease burden. The country reportedly loses around 1 per cent of GDP (Rs 1.35 lakh crore) every year due to iron-deficiency anaemia. Micronutrient deficiencies or ‘hidden hunger’ also continue to pose significant public health problems in Indian populations. Therefore, the decision to fortify rice was taken to address the malnutrition and lack of essential nutrients especially among poor women and poor children. This announcement is significant because, government distributes more than 300 lakh tonnes of rice to 81 crore people under schemes covered under National Food Security Act (NFSA), 2013. About Fortified Rice According to the WHO, fortification is the process of increasing the content of an essential micronutrient, such as vitamins or minerals, in a food item to improve its nutritional value and provide public health benefits at minimal cost. It has minimal effects on taste and cooking properties while at the same time adding multiple nutrients to cure multiple deficiencies. It also has minimal behaviour change, unlike supplements. For example, milk is often fortified with vitamin D, and calcium may be added to fruit juices. Rice is the fifth item to get the government’s fortification push after salt, edible oil, milk and wheat. Fortified rice is the most sustainable solution to the health issues. There is absolutely no difference between rice and fortified rice. Process of Fortification of rice According to the norms of the Food and Safety Standards Authority of India, 1 kg of fortified rice must contain iron (28mg-42.5mg), folic acid (75-125 mg) and vitamin B-12 (0.75-1.25mg). Usual milled rice is low in micronutrient content because its nutrient-rich superficial layer is removed during rice milling and polishing operations. This makes the grain taste better and visually appealing but less nutritious. Rice can be fortified by adding a micronutrient powder containing iron, folic acid and other B-complex vitamins, vitamin A and zinc, which then sticks to the grains. Way Forward: There is a need to amplify efforts to spread awareness about fortified rice and its benefits so that demand is created and acceptability for nutrient-enriched rice is better. All stakeholders must come together to create awareness campaigns using local languages. News Source: PIB All India Debt & Investment Survey NSS 77th round Part of:  GS Prelims  In News: The National Statistical Office (NSO), Ministry of Statistics and Programme Implementation has conducted the latest survey on All India Debt & Investment Survey during the period January – December, 2019 as a part of 77th round of National Sample Survey (NSS). Objective: To collect basic quantitative information on the assets and liabilities of the households, as well as on the amount of capital expenditure incurred by the households under different heads, like residential buildings, farm business and non-farm business. Indicators generated from the survey of All India Debt & Investment: Average value of Assets (AVA): The average value of all the physical and financial assets owned per household. Incidence of Indebtedness (IOI): The percentage of the indebted households  Average amount of Debt (AOD): The average amount of cash dues per household. Average Fixed Capital Expenditure by the households Key Findings: A. Percentage of household owning assets as on 30.06.2018 About 99.4% of the households in Rural India (100% cultivator households and 98.6% non-cultivator households) reported owning any asset (physical or financial)  About 98% of the households in Urban India (99.7% self-employed households and 97.3% other households) reported owning any asset (physical or financial)  Average value of asset per household was Rs. 15,92,379 in Rural India (Rs. 22,07,257 for cultivator households, Rs. 7,85,063 for non-cultivator households) Average value of asset per household was Rs. 27,17,081  in Urban India (Rs. 41,51,226 for self-employed households, Rs. 22,10,707 for other households) B. Household Indebtedness Incidence of Indebtedness was about 35% in Rural India (40.3% cultivator households, 28.2% non-cultivator households) compared to 22.4% in Urban India (27.5% self-employed households, 20.6% other households). In Rural India,17.8% households were indebted to institutional credit agencies only (21.2% cultivator households, 13.5% non-cultivator households) against 14.5% households in Urban India (18% self-employed households, 13.3% other households) About 10.2% of the households were indebted to non-institutional credit agencies only in Rural India (10.3% cultivator households, 10% non-cultivator households) compared to 4.9% households in Urban India (5.2% self-employed households, 4.8% other households) About 7% of the households were indebted to both institutional credit agencies & non-institutional credit agencies in Rural India (8.8% cultivator households, 4.7% non-cultivator households) against 3% households in Urban India (4.3% self-employed households, 2.5% other households) In Rural India, the share of outstanding cash debt from institutional credit agencies was 66% against 34% from non-institutional credit agencies. In Urban India, the share of outstanding cash debt from institutional credit agencies was 87% compared to 13% from non-institutional credit agencies. C. Capital Expenditure About 35% of the rural households reported incurring expenditure towards formation of fixed capital (45.1% cultivator households, 21.5% non-cultivator households) About 15% of the urban households reported incurring expenditure towards formation of fixed capital (25.3% self-employed households, 11% other households) The average fixed capital expenditure incurred per household was Rs. 8,966 in Rural India (Rs. 10,689 for cultivator households, Rs. 6,712 for non-cultivator households) The average fixed capital expenditure incurred per household was Rs. 10,863 in Urban India (Rs. 15,899 for self-employed households, Rs. 9,070 for other households) D. Deposit accounts in Bank About 84.4 % of the population of age 18 years and above had deposit account in Banks in Rural India (88.1% male and 80.7% female) . About 85.2 % of the population of age 18 years and above had deposit account in Banks in Urban India (89.0% male and 81.3% female). Read the Full Report here: All India Debt & Investment Survey – 2019 News Source: PIB (Mains Focus) INTERNATIONAL/ SECURITY GS-2: Policies and politics of developed and developing countries Two decades of 9/11 The events of 9/11 marked both an end of old as well as an inception of new geo-strategic currents. Implications On Terrorism: India was facing Pakistan-sponsored terrorist insurgency in Kashmir since 1989. The Islamic terror wave wasn’t treated with seriousness at international level as the West underplayed the issue. But 9/11 forced the end to this weak response and exposed the ideological extremism that was the driving these terror forces. Misuse to curb Civil Liberties:  9/11 became the pretext to start two wars (Afghanistan & Iraq), put in motion the perpetual war machine by USA in West Asia region, legitimise unaccountable exercise of executive power, institute the surveillance state that adversely impacted Civil Liberties of citizens. This weakened the US’s geopolitical credibility and authority. On US-Pak relations: Pakistan remained an important (& untrustworthy) US ally for the war on terror that commenced in the aftermath of the 9/11 attacks.  In 2011, Osama bin Laden was eliminated by US forces on Pakistani soil, not far from the Pakistan Army’s officer training academy.  On US-India relations: 9/11 was an important catalyst in bringing India and the US closer, as there was common problem of terrorism emanating from India’s western neighbourhood. Later, on the rise of China has brought India & USA much closer Unipolar to Bipolar: The two decades since 9/11 have seen the world shift from unipolarity, with China emerging as the new pole challenging the US-led world order. The pandemic-induced economic and health crisis only accelerated those trends. How has India’s tackling of terrorism changed over the years? Even in the aftermath of the heinous 26/11 Mumbai terror attacks in 2008, India chose to exercise “strategic restraint”. This was because the government was concerned that escalating it to a war level can derail the economic growth without yielding much tangible benefits.  Instead, it adopted a strategy to put international pressure on Pakistan to take action against terror groups However, in the recent years there has been a change in approach with single party coming to power that has ensured Political stability & given the democratic heft needed to take strong actions. Also, India’s economy has achieved high growth and acquired heft. This has made India to expand its military and diplomatic options in the fight against cross-border terrorism, which the rest of the world has also recognised as a grave issue.  For example, after the 2016 Uri attack and 2019 Pulwama attack, India proceeded with conviction and confidence to assert itself and stand up for its interests, taking military actions that have reset the strategic calculus. Today, economic growth is attracting countries who want to invest in and trade with India, adding arrows to democratic India’s diplomatic basket. Liberalisation and Economic reforms that boost growth isn’t necessary only for poverty alleviation and achieving prosperity, but arguably it is now the principal strategy for national security. Conclusion The victory of the Taliban on the 20th anniversary of 9/11 will likely create new unknown problems. However, the world should be cautious enough to make sure that terrorism doesn’t rise its ugly head again. Connecting the dots: Yemen War The Surge of Taliban India and Taliban ECONOMY/ GOVERNANCE GS-2: Issues relating to development and management of Social Sector/Services relating to Education, Human Resources  GS-2: Government policies and interventions for development in various sectors and issues arising out of their design and implementation NIPUN Bharath NIPUN stands for National Initiative for Proficiency in reading with Understanding and Numeracy. NIPUN Bharat Policy is aimed at ensuring that children in the age group of 3-9 years are provided adequate support to acquire age appropriate reading and numerical skills. Key Features of the Policy The policy has been organised into three broad goals.  The first one is ‘Maintenance of Good Health and Wellbeing of Children’;  The second one is ‘Children Becoming Effective Communicators’; and  The third one is ‘Children Becoming Involved Learners’.  The achievement of all these goals has been further divided into six stages, one each for the six years between the ages of three and nine. For all these six stages, the policy document provides for a set of learning outcomes to be achieved  Two stages of assessment have been provided for in the policy The first stage is ‘School Based Assessment’ - subjective assessment where the child is evaluated on the basis of observations being made by teachers, parents, and peers.  It is meant to understand the specific inclinations of the child, and to make tweaks to learning processes accordingly. The second stage is ‘Large Scale Standardised Assessment’. This will be an MCQ based assessment which will be conducted by the NCERT to gauge the achievements of the education system by evaluating students using nationally developed standards. What are the issues with NIPUN Bharat? Concerns over Inclusiveness While the policy does recognise the need for creating an inclusive learning environment, the learning outcomes highlighted in the policy are uniform, with no specific provisioning for children with disabilities. Another point on inclusion emerges where children are supposed to learn to describe themselves and others. There is no mention as to whether the children will be introduced to the idea of gender fluidity at this stage or not. Concerns over Assessments The effectiveness of school based assessment will depend a lot on the kind of investment being made in teacher training, development, and sensitisation, which requires funding. However, the policy doesn’t talk about any extra resource allocations being made for this purpose. The policy itself does not elaborate on the operating procedure for the NCERT while creating the standardized assessment. In ‘Standardised Assessment’, it may be challenging for NCERT to test proficiency in regional languages by taking inputs from regional actors. Concerns over Accountability Overall, the policy goals are to be achieved by the year 2026-27 with intermittent checks and sub-goals set as milestones.  It has to be noted here that since this is just a policy, there isn’t an elaborate mechanism to seek accountability, the only recourse being writ petitions, primarily mandamus, under article 226 and article 32 of the Constitution Conclusion The policy has taken on a task crucial for the upliftment of millions of children across the country. The only issue in the formulation of the policy is its dependence on political will and sincerity for its implementation. Connecting the dots: New Education policy 2020 Right to Education Act (TEST YOUR KNOWLEDGE) Model questions: (You can now post your answers in comment section) Note: Correct answers of today’s questions will be provided in next day’s DNA section. Kindly refer to it and update your answers. Q.1 Where is Bandhavgarh National Park located?  Gujarat  Tamil Nadu  Madhya Pradesh  West Bengal Q.2 Consider the following Statements regarding Pollen grains:  Pollen grains are female biological structures with the primary role of fertilisation. Pollen found suspended in air can cause widespread upper respiratory tract and nasobronchial allergy with manifestations like asthma, seasonal rhinitis, and bronchial irritation. Select the correct statements: 1 only  2 only Both 1 and 2 Neither 1 nor 2 Q.3 Qeqertaq Avannarleq Recently seen in news is associated with which of the following Southernmost crater on the moon  Northernmost island in the world  Deepest volcanic zone under the Pacific ocean  An unknown tribal group living in the Amazon forest ANSWERS FOR 10th Sept 2021 TEST YOUR KNOWLEDGE (TYK) 1 B 2 D 3 C Must Read On Platform workers: Hindustan Times On Job Reservation for Locals: Hindustan Times

Motivational Articles

[MI-STORIES]MOTIVATIONAL AND INSPIRATIONAL STORIES - Keep Your Dreams!

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 - Keep Your Dreams!   I have a friend named Monty Roberts who owns a horse ranch in San Ysidro. He has let me use his house to put on fund-raising events to raise money for youth at risk programs. The last time I was there he introduced me by saying: “I want to tell you why I let Jack use my horse. It all goes back to a story about a young man who was the son of an itinerant horse trainer who would go from stable to stable, race track to race track, farm to farm and ranch to ranch, training horses. As a result, the boy’s high school career was continually interrupted. When he was a senior, he was asked to write a paper about what he wanted to be and do when he grew up.” “That night he wrote a seven-page paper describing his goal of someday owning a horse ranch. He wrote about his dream in great detail and he even drew a diagram of a 200-acre ranch, showing the location of all the buildings, the stables and the track. Then he drew a detailed floor plan for a 4,000-square-foot house that would sit on a 200-acre dream ranch.” “He put a great deal of his heart into the project and the next day he handed it in to his teacher. Two days later he received his paper back. On the front page was a large red F with a note that read, `See me after class.'” “The boy with the dream went to see the teacher after class and asked, `Why did I receive an F?'” “The teacher said, `This is an unrealistic dream for a young boy like you. You have no money. You come from an itinerant family. You have no resources. Owning a horse ranch requires a lot of money. You have to buy the land. You have to pay for the original breeding stock and later you’ll have to pay large stud fees. There’s no way you could ever do it.’ Then the teacher added, `If you will rewrite this paper with a more realistic goal, I will reconsider your grade.'” “The boy went home and thought about it long and hard. He asked his father what he should do. His father said, `Look, son, you have to make up your own mind on this. However, I think it is a very important decision for you.’ Finally, after sitting with it for a week, the boy turned in the same paper, making no changes at all. He stated, ‘You can keep the F and I’ll keep my dream.'” Monty then turned to the assembled group and said, “I tell you this story because you are sitting in my 4,000-square-foot house in the middle of my 200-acre horse ranch. I still have that school paper framed over the fireplace.” He added, “The best part of the story is that two summers ago that same school teacher brought 30 kids to camp out on my ranch for a week. When the teacher was leaving, the teacher said, ‘Look, Monty, I can tell you this now. When I was your teacher, I was something of a dream stealer. During those years I stole a lot of kids’ dreams. Fortunately you had enough gumption not to give up on yours.'” “Don’t let anyone steal your dreams. Follow your heart, no matter what.”

Daily Prelims CA Quiz

UPSC Quiz – 2021 : IASbaba’s Daily Current Affairs Quiz 11th September 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

DAILY CURRENT AFFAIRS IAS | UPSC Prelims and Mains Exam – 10th September 2021

Archives (PRELIMS + MAINS FOCUS) NIRF Rankings 2021 Part of: Prelims and GS - II - Education  Context Union Education Ministry released its India Rankings 2021 under the National Institutional Ranking Framework. The Indian Institute of Technology (IIT), Madras was ranked the best higher education institution in the country for the third year in a row Key highlights of the India Rankings 2021  The IITs dominated the overall rankings, grabbing seven of the top 10 positions.  Overall toppers: The Indian Institute of Science (IISc), Bengaluru was ranked second, followed by the IITs in Bombay, Delhi, Kanpur, Kharagpur, Roorkee and Guwahati.  Top Non-IITs University: Jawaharlal Nehru University (JNU) and Banaras Hindu University (BHU) were at rank nine and 10. Top universities: (1) IISc; (2) JNU; (3) the BHU; (4) the University of Calcutta; (5) the Amrita Vishwa Vidyapeetham, Coimbatore; (6) Jamia Millia Islamia, New Delhi Top engineering institutions: The IIT, Madras followed by the IITs in Delhi, Bombay, Kanpur, Kharagpur Top management institutions: IIM-Ahmedabad followed by IIM-Bangalore, IIM-Calcutta, IIT-Kozhikode, IIT-Delhi Top Pharmacy institute: Jamia Hamdard Top dental institute: Manipal College of Dental Sciences What is NIRF? NIRF is an annual report card on the performance of the Higher Education Institutions (HEIs).  It was launched in 2015, outlines a methodology to rank institutions across the country.  The NIRF ranks institutions based on five parameters:  Teaching Learning and Resources (TLR), Research and  Professional Practice (RP),  Graduation Outcome (GO),  Outreach and Inclusivity (OI) and  Perception.   News source: TH  13th BRICS summit Part of: Prelims and GS - II - International Relations  Context The 13th BRICS summit was held virtually. The virtual summit was chaired by a Indian Prime Minister and was dominated by the developments in Afghanistan Key highlights of the summit The summit adopted the BRICS Counter Terrorism Action Plan. The document, titled the New Delhi Declaration was unveiled which called for addressing the humanitarian situation in Afghanistan, and urged the need to uphold rights of women, children and minorities. It called for an “inclusive intra-Afghan dialogue” to ensure stability, civil peace, law and order in the country. The agreement on Remote Sensing Satellite Constellation was signed between BRICS countries’ space agencies. What is BRICS? BRICS is an acronym for the grouping of the world’s leading emerging economies, namely Brazil, Russia, India, China and South Africa. Headquarters: Shanghai, China The BRICS Leaders’ Summit is convened annually. The Chairmanship of the forum is rotated annually among the members, in accordance with the acronym B-R-I-C-S. Together, BRICS accounts for about 40% of the world’s population and about 30% of the GDP (Gross Domestic Product), making it a critical economic engine. Objectives: To deepen, broaden and intensify cooperation for more sustainable, equitable and mutually beneficial development. To ensure relations are built on the respective country’s economic strengths and to avoid competition where possible. Components of financial architecture of the BRICS: New Development Bank: NDB’s key areas of operation are clean energy, transport infrastructure, irrigation, sustainable urban development and economic cooperation among the member countries. Contingent Reserve Arrangement: It aims to provide short-term liquidity support to the members through currency swaps to help mitigate the BOP crisis situation and further strengthen financial stability. News source: TH  C-295 aircraft deal Part of: Prelims and GS - III - Defence and Security Context The Cabinet Committee on Security approved the procurement of 56 C-295 MW transport aircraft from M/s Airbus Defence and Space S.A., Spain, giving a big boost to the Indian Air Force. This is the first project of its kind in which a military aircraft will be manufactured in India under technology transfer by a private company and is expected to cost close to $3billion. Key takeaways  The C-295MW transport aircraft is a transport carrier that has a 5-10 tonne capacity with a rear ramp door for quick reaction and para-dropping of troops and cargo. The transport aircraft will gradually replace the ageing Avro fleet of the IAF. The IAF has 56 Avros procured in the 1960s and they are in urgent need of replacement. All 56 aircraft will be installed with indigenous Electronic Warfare Suite. The project will give a boost to the aerospace ecosystem in India wherein several MSMEs spread over the country will be involved in manufacturing of parts of the aircraft. The programme is in line with the “Atmanirbhar Bharat” and will augment domestic aviation manufacturing resulting in reduced import dependence and expected increase in exports. The programme will also lead to employment generation in the aerospace ecosystem  News source: TH  India’s first dugong conservation reserve Part of: GS Prelims and GS- III -  Environment Context The Government of Tamil Nadu will set up India’s first Dugong Conservation Reserve in the Palk Bay Dugong. About the Conservation Reserve The Conservation Reserve will cover an area of 500kms. The proposed conservation area has the highest concentration of dugongs in the country. The reserve will span the northern part of the Palk Bay from Adirampattinam to Amapattinam. AS part of the CAMPA-Dugong Recovery Project, various surveys were conducted in the Palk Bay and Gulf of Mannar, from November 2016 to March 2019. Gulf of Mannar is a shallow bay area between the south eastern end of Tamil Nadu and western Sri Lanka. About Dugongs The dugong , also called the sea cow, is a herbivorous mammal.  It is the only living representative of the once-diverse family Dugongidae. The dugong is strictly a marine mammal. They graze on seagrass and come to the surface to breathe. They are found in over 30 countries and in India are seen in the Gulf of Mannar, Gulf of Kutch, Palk Bay, and the Andaman and Nicobar Islands. According to Wildlife Institute of India (WII) estimates, only 200-250 Dugongs are left in the wild, of which 150 are found in the Palk Bay and Gulf of Mannar in Tamil Nadu. Threats:  The loss of seagrass habitats water pollution degradation of the coastal ecosystem due to developmental activities accidental entanglement in fishing nets  collision with boats, trawlers. Conservation status IUCN- Vulnerable CITES: Appendix I Wild (Life) Protection Act, 1972: Schedule I The Government of India is also a signatory to the Conservation of Migratory Species (CMS) since 1983 where it has signed non-legally binding Memorandums of Understanding on the conservation and management of Siberian Cranes (1998), Marine Turtles (2007), Dugongs (2008) and Raptors (2016).  Proper conservation is the only way to save dugongs from extinction. Delegation of Financial Powers to Defence Services, 2021 Rules Part of: GS Prelims and GS- II -  Policies and interventions  Context Recently, the Ministry of Defence has released the Delegation of Financial Powers to Defence Services (DFPDS), 2021 rules. The primary focus is to overcome procedural delays, bring about greater decentralisation and operational efficiency. Key Highlights of DFPDS 2021 Financial Powers Devolved to Field Formations: Enhanced the delegation of revenue procurement powers for the Army, Navy and Air Force. 10% increase in Delegated Financial Powers of Vice Chiefs of Services. Focus on Operational Preparedness: Critical equipment can be hired for short periods  Field Commanders and below can procure equipment in a speedy manner for urgent operational necessities and meeting essential sustenance requirements. Promoting Ease of Doing Business: Up to three times increase in funding related to Indigenisation/R&D to achieve ‘Atmanirbhar Bharat’. (News from PIB) EXERCISE ZAPAD 2021 Part of:  GS Prelims  In News: The Exercise ZAPAD 2021 has commenced at Nizhniy in Russia. Aim: To train troops to undertake joint operations in conventional battlefield scenario.   The exercise aims at strengthening long standing strategic partnership between India and Russia and also enhance better understanding, cooperation with all other participating Nations. News Source: PIB Periodic Labour Force Survey (PLFS) Part of:  GS Prelims  In News: On the basis of the data collected in PLFS, the quarterly bulletin for the quarter October- December 2020 has been released. Considering the importance of availability of labour force data at more frequent time intervals, National Statistical Office (NSO) launched Periodic Labour Force Survey (PLFS) in April 2017. To estimate the key employment and unemployment indicators (viz. Worker Population Ratio, Labour Force Participation Rate, Unemployment Rate) in the short time interval of three months for the urban areas only in the ‘Current Weekly Status’ (CWS). To estimate employment and unemployment indicators in both ‘Usual Status’ (ps+ss) and CWS in both rural and urban areas annually. Conceptual Framework of Key Employment and Unemployment Indicators for the Quarterly Bulletin:  The Periodic Labour Force Survey (PLFS) gives estimates of Key employment and unemployment Indicators like the Labour Force Participation Rates (LFPR), Worker Population Ratio (WPR), Unemployment Rate (UR), etc. These indicators, and the and ‘Current Weekly Status’ are defined as follows: Labour Force Participation Rate (LFPR): LFPR is defined as the percentage of persons in labour force (i.e. working or seeking or available for work) in the population. (Male: 73.6, Female: 20.6; Total: 47.3) Worker Population Ratio (WPR): WPR is defined as the percentage of employed persons in the population. (Male: 66.7, Female: 17.9; Total: 42.4) Unemployment Rate (UR): UR is defined as the percentage of persons unemployed among the persons in the labour force. (Male: 9.5, Female: 13.1; Total: 10.3) News Source: PIB Coal Gasification Based Methanol Production Plant  Part of: GS-III: Energy In News: BHEL R&D centre at Hydrabad began working on Indian high ash coal gasification in 2016 with support from the NITI Aayog to produce 0.25 ton per day methanol. The project was supported by the Department of Science and Technology with a Rs 10 crore grant. With four years of hard work BHEL successfully demonstrated a facility to create 0.25 TPD Methanol from high ash Indian coal using a 1.2 TPD Fluidized bed gasifier.  India's first demonstration plant of its kind, designed entirely in-house to work on high-ash Indian coal - BHEL R&D centre at Hydrabad The methanol purity of the crude methanol produced is between 98 and 99.5 percent.  This endeavor led to the formation of in-house design expertise in BHEL for designing greater capacity coal gasification facilities, which will provide necessary impetus to the vision of ‘Atam Nirbhar Bharat.' This in-house capability will assist India's Coal Gasification Mission and Coal to Hydrogen Production for Hydrogen Mission After achieving this feat BHEL is further developing in house some critical processes such as catalytic conversion of syngas to methanol.   About Methanol Methanol is utilized as a motor fuel, to power ship engines, and to generate clean power all over the world.  Methanol is also used to generate di-methyl ether (DME), a liquid fuel that is very similar to diesel — existing diesel engines simply need to be minimally changed to use DME instead of diesel.  Methanol could be the most promising option for large-scale market penetration of a natural gas-based fuel for light-duty vehicles because of its low fuel cost and low additional cost relative to powering a vehicle with gasoline. Methanol, like ethanol but unlike hydrocarbon fuels, is water soluble. As a consequence, it is transported through diffusion and convection through the environment at much faster rate than hydrocarbons. In addition to fast migration, methanol bio-degrades much faster than hydrocarbons. Fast transport and degradation result in short lifetimes. Hydrocarbons, on the other hand, comprise many stable compounds, which include some, such as aromatics, that are highly toxic to bio-organisms and degrade slowly Promoted under the Sustainable Alternative Towards Affordable Transportation (SATAT) initiative The majority of worldwide methanol production is derived from natural gas, which is a relatively easy process. Since India doesn’t have much of the natural gas reserves, producing methanol from imported natural gas lead to outflow of foreign exchange and sometimes uneconomical due to excessive prices of natural gas.  The next best option is to utilise India's abundant coal. However, due to the high ash percentage of Indian coal, most internationally accessible technology will not be adequate for our demands. News Source: PIB (Mains Focus) EDUCATION/ GOVERNANCE GS-2: Issues relating to development and management of Social Sector/Services relating to Education, Human Resources  GS-3: Government policies and interventions for development in various sectors and issues arising out of their design and implementation What India must do to expand higher education enrolment Context: According to the All India Survey of Higher Education (AISHE) 2019-20, the gross enrolment ratio (GER) in higher or tertiary education increased to 27.1% (38.5 million), from 26.3% (37.4 million) in the preceding year. This indicates that the remaining 72.9% of the population in the 18-23 age group is not enrolled in higher education institutions (HEIs).  NEP and HEI Enrolment Target The National Education Policy (NEP) 2020 sets the target of 50% GER by 2035. To achieve this target, GER is required to grow at 3.53% per annum.  The target is attainable given that the compounded growth rate of GER between 2011-12 and 2019-20 was 3.58%.  Increasing Higher education enrolment requires a multipronged, multi-tiered strategy.  Improving the transition ratio from secondary to higher secondary, and then, to HEI is required. For Ex: In 2018-19, the net enrolment ratio at higher secondary level was only 30.8%, which limits the possibility of an increase in HEI. Geography is also critical to HEI. For instance, college density remains highly concentrated in urban areas. Policy intervention to expand HEIs to the hinterland along with increasing the enrolment capacity is urgent. Policy that Favour Larger HEIs: Earlier, the Radhakrishnan University Education Commission (1949) and Kothari Commission (1964-66) favoured small, high-quality HEIs. This is in sharp contrast with the policy of China, USA & Europe. In 2016, India’s 51,649 HEIs had 35.7 million students, when China’s 2,596 institutions had 41.8 million students.  Larger HEIs with high enrolment are easier to manage and more resource-friendly. Expanding Open Learning: The share of distance and open learning in India has remained stagnant at around 11% for many years. Massive online open courses (MOOCs) through SWAYAM provide an avenue but only 10.7% of Indian households have access to a computer, with only 23.8% to the internet Improving Teacher Shortage & Quality: India needs 3.3 million more teachers in HEIs to improve the teacher-student ratio, from 1:28 to an ideal 1:15. This requires efforts to help get the best minds to choose teaching as a profession by ensuring a steady and significant career trajectory.  India can learn from the education systems in countries such as Finland and South Korea, where teaching is a coveted profession. Improving Employability: Various surveys have found that graduates lack both the technical and communication skills required for skilled work. Vocational courses by HEIs in collaboration with local employers, can help improve these levels More Scholarships: The financial support given through scholarships is currently inadequate. The transition from “mass education” to “universal education” is through financial support to the most vulnerable. Conclusion India’s GER has steadily increased over the last few years. This growth has also seen a substantial increase in the GER of Women, SCs & STs. This growth must continue. The future, therefore, lies in empowering subgroups, which will thereby accelerate GER.  This must go hand in glove with India’s efforts to strengthen the policy of greater social inclusion proposed by NEP 2020. Connecting the dots: New Education policy 2020 Higher Education in Regional Languages  Criticism of Board Exams Formative Assessment ECONOMY/ GOVERNANCE GS-3: Indian Economy and issues relating to planning, mobilization, of resources, growth, development and employment  GS-2: Government policies and interventions for development in various sectors and issues arising out of their design and implementation. Big Tech & Financial Services Context: The involvement of large tech players in the financial services segment is something that has been specifically flagged by the Reserve Bank of India (RBI). Recent Developments  Amazon’s financial services unit Amazon Pay has partnered with investment platform Kuvera to offer wealth management services to the former’s customers.  This follows Google Pay’s deal with Equitas Small Finance Bank for fixed deposits. What is Amazon Pay’s partnership with Kuvera? Under the partnership, Kuvera will provide services, products and technology know-how to Amazon Pay that will facilitate investments in mutual funds, fixed deposits, etc for its customers.  Through this partnership, there will be democratisation of investing and wealth management in India. Have there been other partnerships like this? The most recent partnership involving a big tech company and a financial services firm for wealth management was Google Pay’s deal with Equitas Small Finance Bank for fixed deposits. Several tech companies, though, have tied up with banking partners for short-term financing instruments.  These include Amazon Pay that has tied up with Capital Float and IDFC FIRST Bank for the Amazon Pay Later instrument, and Paytm, which has tied up with Clix Finance India Pvt. Ltd for its postpaid service.  Credit card payment platform -CRED also has an online lending platform in partnership with IDFC FIRST Bank. What has the RBI said about involvement of tech companies in the financial services space? While the RBI hasn’t commented on specific deals, in the Financial Stability Report released in July 2021, the central bank flagged concerns with big tech firms offering digital financial services. Big techs offer a wide range of digital financial services and have a substantial footprint in the payment systems, crowdfunding, asset management, banking and insurance of several advanced and emerging market economies. While this holds the promise of supporting financial inclusion and generating lasting efficiency gains, including by encouraging the competitiveness of banks, important policy issues arise. Big techs foraying into financial services present at least two unique challenges.  First, they operate at many different (non-financial) lines of business with sometimes opaque overall governance structures. Second, they have the potential to become dominant players in financial services within short span of time by exploiting network effects. Therefore, their regulations cannot be post their establishment in the sector. More specifically, the concerns have intensified around  A level-playing field with banks Operational risk given the huge customer base they enjoy Too-big-to-fail issues Challenges for antitrust rules Cyber security and data privacy Connecting the dots: MFIs: Digital and Physical Micro-lending New Social Media Code  Dominance of Big tech Australia’s News Media Bargaining Code (TEST YOUR KNOWLEDGE) Model questions: (You can now post your answers in comment section) Note: Correct answers of today’s questions will be provided in next day’s DNA section. Kindly refer to it and update your answers. Q.1 Which of the following States will set up India’s first Dugong conservation reserve  Gujarat  Tamil Nadu  Odisha  West Bengal Q.2 Consider the following Statements regarding BRICS:  Its headquarters is in Beijing, China New Development Bank and Asian Infrastructure Investment Bank are the components of financial architecture of the organisation. Select the correct statements: 1 only  2 only Both 1 and 2 Neither 1 nor 2 Q.3 India Rankings 2021 under the National Institutional Ranking Framework is released by which of the following?  NITI Aayog  Azim premji Foundation  Ministry of Education  Both (a) and (C) ANSWERS FOR 9th Sept 2021 TEST YOUR KNOWLEDGE (TYK) 1 A 2 C 3 B Must Read On Marital Rape: The Hindu On Taliban, Central Asia and India: ORF