AI led efficiency can contribute to 8% of GDP growth target.
Important for GS3
GDP, economy and technological advancements.
#upsc
Important for GS3
GDP, economy and technological advancements.
#upsc
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Despite tarrifs and global uncertainty India's export surge in August month.
Interesting thing is our export for USA has also remained intact.
Export: important for GS 3.
#upsc
Interesting thing is our export for USA has also remained intact.
Export: important for GS 3.
#upsc
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Pakistan Afghanistan and Iran areconsidered as a "Golden Crescent" also known as "Death Crescent"as the region is infamous for drugs.
Recent activities noticed at Punjab border of drone driven drug dropping.
Apart from Death Crescent,there is Death triangle for illegal supply of drugs through Myanmar, Thailand and Combodia.
NDPS Act,1985 was enacted for prevention of transport, manufacturing nd supply of Drugs.
Narcotics control bureau us central law enforcement and intelligence agency to combat drug trafficking.
Important for GS3
Internal Security.
#Upsc
Recent activities noticed at Punjab border of drone driven drug dropping.
Apart from Death Crescent,there is Death triangle for illegal supply of drugs through Myanmar, Thailand and Combodia.
NDPS Act,1985 was enacted for prevention of transport, manufacturing nd supply of Drugs.
Narcotics control bureau us central law enforcement and intelligence agency to combat drug trafficking.
Important for GS3
Internal Security.
#Upsc
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Government is identifying 100 items that India imports in large amount and reducing it with capacity building of domestic manufacturers.
This is important for :
1. Growth of MSME
2. Forex reserves
3. Controlling Current Account Deficit
4. Tackle the issue of Supply chain management
5. Employment generation
#UPSC
This is important for :
1. Growth of MSME
2. Forex reserves
3. Controlling Current Account Deficit
4. Tackle the issue of Supply chain management
5. Employment generation
#UPSC
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Rolls-Royce has opened its largest Global Capability Centre in Bengaluru.
A Global Capability Centre (GCC) is essentially an office or branch of a multinational company set up in another country, like India, to manage important functions such as software development, accounting, data analysis, and other critical operations for their global business.
India is rapidly emerging as a preferred destination for GCCs because of its skilled workforce, strong infrastructure, and relatively lower operating costs compared to other countries.
Do you think GCCs can become a game changer for India—especially in terms of employment generation, attracting investments, and building the capacities of our youth?
A Global Capability Centre (GCC) is essentially an office or branch of a multinational company set up in another country, like India, to manage important functions such as software development, accounting, data analysis, and other critical operations for their global business.
India is rapidly emerging as a preferred destination for GCCs because of its skilled workforce, strong infrastructure, and relatively lower operating costs compared to other countries.
Do you think GCCs can become a game changer for India—especially in terms of employment generation, attracting investments, and building the capacities of our youth?
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Japnese tissue mending technology used to preserve archival documents.
What is japnese tissue mending technology:
Japanese Tissue Mending is a traditional conservation technique where thin handmade Japanese paper (washi) is used to repair torn or fragile documents, books, and artworks. It’s strong, lightweight, and reversible—helping preserve history without harming the original.
Important for UPSC/PCS prelims
#upsc
What is japnese tissue mending technology:
Japanese Tissue Mending is a traditional conservation technique where thin handmade Japanese paper (washi) is used to repair torn or fragile documents, books, and artworks. It’s strong, lightweight, and reversible—helping preserve history without harming the original.
Important for UPSC/PCS prelims
#upsc
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The 11-Year Journey of Pradhan Mantri Jan Dhan Yojana (PMJDY)
The Pradhan Mantri Jan Dhan Yojana (PMJDY), a national mission for financial inclusion, has completed 11 years since its launch on August 28, 2014. The scheme, which was announced by Prime Minister Narendra Modi on India's Independence Day, has had a transformative impact on the country's financial landscape by bringing millions of previously unbanked citizens into the formal banking system.
Key Achievements and Impact:
Expanded Banking Access: The scheme has been instrumental in reducing the percentage of the unbanked adult population in India. A significant number of new bank accounts have been opened under PMJDY, with a reported 56 crore accounts opened by late 2025. This is a massive leap from 2011, when nearly 40% of the adult population was unbanked.
Empowering Women: A notable success of the scheme is the high participation of women. Over 56% of the total PMJDY accounts are held by women, indicating the scheme's role in empowering them with financial access and a sense of dignity.
Direct Benefit Transfer (DBT) and JAM Trinity: The PMJDY, in conjunction with Aadhaar and mobile connectivity, forms the "JAM Trinity." This has enabled the government to directly transfer subsidies and welfare benefits to the bank accounts of beneficiaries, significantly reducing leakages and corruption. In the financial year 2024-25, over ₹6.9 lakh crore was credited to bank accounts through various DBT schemes.
Digital Transactions and Financial Habits: PMJDY accounts come with a RuPay debit card, which has helped drive cashless transactions and contributed to India's digital payments revolution. The average deposit per account has also increased, indicating a growing habit of savings among account holders.
Growth of UPI: The success of financial inclusion initiatives like PMJDY has laid the foundation for the massive adoption of digital payment systems like UPI. In July 2025, UPI transactions reached a staggering 100 billion.
Challenges and the Path Forward:
Despite its successes, PMJDY faces a significant challenge with account inactivity. As of July 2025, approximately 23% of the total PMJDY accounts were inoperative, with no transactions for over two years. States like Uttar Pradesh and Bihar lead the list of dormant accounts.
Inadequate Rural Banking Infrastructure: The lack of a robust banking infrastructure, particularly in rural areas and less developed states, is a major reason for account inactivity. People may not have easy access to bank branches or ATMs to conduct regular transactions.
Financial Literacy: A lack of financial literacy is another key factor. Many account holders are not aware of how to use their bank accounts for various financial services beyond receiving government benefits. The government is undertaking financial literacy programs to address this issue.
Government Initiatives to Revive Dormant Accounts: To combat the issue of inactivity, the government has launched campaigns at the Gram Panchayat level. These campaigns, running from July to September 2025, focus on re-KYC (Know Your Customer) of inactive accounts, promoting social security schemes, and increasing financial literacy.
Conclusion:
The Pradhan Mantri Jan Dhan Yojana is more than just a scheme for opening bank accounts; it has the potential to be a catalyst for positive change in people's lives. By providing a financial identity, access to credit, insurance, and pensions, it is laying the groundwork for a more financially inclusive society. The government's ongoing efforts to address challenges like dormant accounts and promote financial literacy are crucial for ensuring the long-term success and transformative impact of PMJD
The Pradhan Mantri Jan Dhan Yojana (PMJDY), a national mission for financial inclusion, has completed 11 years since its launch on August 28, 2014. The scheme, which was announced by Prime Minister Narendra Modi on India's Independence Day, has had a transformative impact on the country's financial landscape by bringing millions of previously unbanked citizens into the formal banking system.
Key Achievements and Impact:
Expanded Banking Access: The scheme has been instrumental in reducing the percentage of the unbanked adult population in India. A significant number of new bank accounts have been opened under PMJDY, with a reported 56 crore accounts opened by late 2025. This is a massive leap from 2011, when nearly 40% of the adult population was unbanked.
Empowering Women: A notable success of the scheme is the high participation of women. Over 56% of the total PMJDY accounts are held by women, indicating the scheme's role in empowering them with financial access and a sense of dignity.
Direct Benefit Transfer (DBT) and JAM Trinity: The PMJDY, in conjunction with Aadhaar and mobile connectivity, forms the "JAM Trinity." This has enabled the government to directly transfer subsidies and welfare benefits to the bank accounts of beneficiaries, significantly reducing leakages and corruption. In the financial year 2024-25, over ₹6.9 lakh crore was credited to bank accounts through various DBT schemes.
Digital Transactions and Financial Habits: PMJDY accounts come with a RuPay debit card, which has helped drive cashless transactions and contributed to India's digital payments revolution. The average deposit per account has also increased, indicating a growing habit of savings among account holders.
Growth of UPI: The success of financial inclusion initiatives like PMJDY has laid the foundation for the massive adoption of digital payment systems like UPI. In July 2025, UPI transactions reached a staggering 100 billion.
Challenges and the Path Forward:
Despite its successes, PMJDY faces a significant challenge with account inactivity. As of July 2025, approximately 23% of the total PMJDY accounts were inoperative, with no transactions for over two years. States like Uttar Pradesh and Bihar lead the list of dormant accounts.
Inadequate Rural Banking Infrastructure: The lack of a robust banking infrastructure, particularly in rural areas and less developed states, is a major reason for account inactivity. People may not have easy access to bank branches or ATMs to conduct regular transactions.
Financial Literacy: A lack of financial literacy is another key factor. Many account holders are not aware of how to use their bank accounts for various financial services beyond receiving government benefits. The government is undertaking financial literacy programs to address this issue.
Government Initiatives to Revive Dormant Accounts: To combat the issue of inactivity, the government has launched campaigns at the Gram Panchayat level. These campaigns, running from July to September 2025, focus on re-KYC (Know Your Customer) of inactive accounts, promoting social security schemes, and increasing financial literacy.
Conclusion:
The Pradhan Mantri Jan Dhan Yojana is more than just a scheme for opening bank accounts; it has the potential to be a catalyst for positive change in people's lives. By providing a financial identity, access to credit, insurance, and pensions, it is laying the groundwork for a more financially inclusive society. The government's ongoing efforts to address challenges like dormant accounts and promote financial literacy are crucial for ensuring the long-term success and transformative impact of PMJD
🔥5❤2👍2
Pragati Mentorship Program-1 (1).pdf
1 MB
Edit, Sign and Share PDF files on the go. Download the Acrobat Reader app: https://adobeacrobat.app.link/Mhhs4GmNsxb
❤3
UPSC preparation with Kunal
Pragati Mentorship Program-1 (1).pdf
This is affordable mentorship program..
999 per month.
Open the pdf and you can check it in detail.
999 per month.
Open the pdf and you can check it in detail.
❤7
Article on Saudi Pak recent defence pact wherein both pledged that attack on one nation is considered as attack on other.
This article is important as it discussed how it may be concerning for India though India has relationship with Saudi Arabia.
Important for Internal security GS3
India West Asia relationship GS2
#upsc
This article is important as it discussed how it may be concerning for India though India has relationship with Saudi Arabia.
Important for Internal security GS3
India West Asia relationship GS2
#upsc
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