FRONT PAGE
Low-value loans driving NPAs in the education sector
Syllable:
Preliminary examination: Economic and Social Development-Sustainable Development, Poverty, Inclusion, Demography, Social Sector Initiatives, etc.
Network examination: General Studies III: Indian economy and issues related to planning, resource mobilization, growth, development and employment.
Key points to ponder:
• What is the ongoing story? Low-value education loans (up to Rs 7.5 lakh) make up the bulk of defaults in banks’ education loan portfolio, according to data accessed by The Indian Express. Data on non-performing assets (NPAs) on education loans from public sector banks (PSBs), obtained through the Right to Information Act, show that the rate of Default is much lower for loans disbursed to students at top-tier institutes compared to high school ones. institutes
• India’s public sector banks have struggled with high levels of non-performing assets (NPA) – What are non-performing assets (NPA)?
• What are the reasons why assets become non-performing assets?
• What are the impacts of the high level of non-performing assets (NPAs) on the Indian economy?
Other important articles covering the same topic:
????RBI: NPA ratio of the bank in a minimum of 6 years, but fintechs expose the system to new risks
????New RBI report says asset quality, capital position of banking system continues to improve. That’s something to build on
Center sounds Covid alert, asks states to track positive samples
Syllable:
Preliminary examination: General Sciences and Current Affairs of national and international significance.
Network examination:
• General Studies II: Effect of policies and politics of developed and developing countries on the interests of India, the Indian diaspora.
• General Studies III: Sensitization in the fields of IT, Space, Computer Science, robotics, nanotechnology, biotechnology.
Key points to ponder:
• What is the ongoing story?With Covid-19 cases on the rise in several countries, including China, the Union Health Ministry issued an alert on Tuesday, directing all states and UTs to sequence all samples of positive cases on a daily basis. Union Health Minister Mansukh Mandaviya will meet senior officials and experts on Wednesday to review the Covid-19 situation in the country: India has reported around 1,200 cases a week.
• Who co-initiates the Indian Consortium for SARS-CoV-2 Genomics (INSACOG)?
• What do you understand by the term ‘Genome’?
• How are the Genome and the Gene different?
• The Indian Consortium for SARS-CoV-2 Genomics (INSACOG) -Role, under which ministry?
• What lessons did India learn from the second wave of Covid-19?
• Wave of Covid-19 in China: What is happening?
• Why is BF.7 in the news?
• What is BF.7?
• “The very success of China’s zero covid policy is now turning into a weakness, with reports of an increase in cases. The vast majority of its population has not been infected by the virus and therefore has no immunity”-Comment
• What is the official image?
• So what is the problem then?
• What exactly is Covid-0?
• With this “zero COVID” policy, have COVID cases in China slowed down?
• How does China defend its zero covid policy?
• Why is the current large-scale public protest in China unusual?
• What about vaccinations?
• For your information-Globally, the number of Covid-19 cases has remained almost stable at around 3.3 million in a week. However, the number of deaths increased by 10% from the previous week, according to the latest situation report from the World Health Organization published on December 14. “The number of recently reported weekly deaths increased in three WHO Regions: the African Region (+975%; partly due to batch reports from South Africa), the Region of the Americas (+37%), and the Region of the Eastern Mediterranean (+81%)”, says the report.
Other important articles covering the same topic:
????Fear grows due to the new wave of Covid, countries reflect on how to help Xi
????Wave of viruses and fear in China: what is happening and why
IN PARLIAMENT
In RS, Opp criticizes the government during the debate on appropriation bills
Syllable:
Preliminary Quiz: Indian Politics
Main Exam: General Studies III: Public Budgets.
Key points to ponder:
• What is the ongoing story?Union Finance Minister Nirmala Sitharaman on Monday (Dec 19) moved the Appropriation Bill (#5)-2022 and the Appropriation Bill (#4)-2022 for her consideration and return, with the aim of authorizing the payment and allocation of additional expenses of Rs 3.25 lakh crore from the Consolidated Fund of India for the current fiscal year (2022-23).
• Appropriation Bill-What do you know about this bill?
• What does ownership mean in government?
• Bill of Appropriations Law and article 114 of the constitution
• What is the Procedure Followed for the Appropriation Bill in Parliament?
• Rajya Sabha’s power over the Appropriation Bill?
• Appropriation Bill and Appropriation Law-Know the Difference
• Appropriation Bill vs. Finance Bill: Know the Difference
• What do you understand by ‘Vote on Account’?
• The budget consists of two types of expenditures: the ‘charged’ expenditures to the Consolidated Fund of India and the ‘incurred’ expenditures from the Consolidated Fund of India, what are the ‘charged’ and ‘incurred’ expenditures?
• Annual Financial Statement (AFS) or Union Budget, Article 112 of the Indian Constitution and Budget Stages in parliament
Other important articles covering the same topic:
????5 Questions | ‘Seriously unrealized budget’: BRS MP K Keshava Rao
EXPLAINED
Biodiversity Commitment
Syllable:
Preliminary examination: General topics of Environmental Ecology, Biodiversity and Climate Change – that do not require thematic specialization.
Main exam: General Studies II: Important international institutions, agencies and forums, their structure, mandate.
Key points to ponder:
• What is the ongoing story?A major international environmental conference has just concluded in Montreal, Canada, pledging to take urgent action to protect and restore the world’s biodiversity, all the different forms of life, plants and animals, that inhabit this planet.
• The Montreal Conference: why is it important?
• What are the key areas agreed?
• What is ’30 by 30′?
• For your information- The Montreal Conference was the biodiversity equivalent of the highest-profile climate meetings that take place every year. Signatories to the Convention on Biological Diversity (CBD), a 1993 agreement, meet every two years, not annually like climate meetings, to work on a global plan to halt biodiversity loss and restore natural ecosystems. The Montreal meeting was the 15th edition of this conference, hence the name COP15, or the 15th Conference of the Parties to the CBD.
• What will be the financial mechanism for this agreement?
• What will be the role of Big Business?
• What is the most significant part of the agreement?
• You know-The Montreal Conference delivered a new agreement called the Global Biodiversity Framework (GBF), which contains four targets and 23 targets to be achieved by 2030. The GBF is being compared to the 2015 Paris Agreement on climate change that is guiding the global climate change. action.
• Convention on Biological Diversity (CBD), the United Nations Framework Convention on Climate Change (UNFCCC) and the Convention to Combat Desertification (CCD): compare and contrast
• The Cartagena Protocol of 2003 and the Nagoya Protocol of 2014-Learn in detail
Other important articles covering the same topic:
????Why have countries failed to meet their biodiversity targets?
THE FIRST WINTER FOG ARRIVES IN DELHI: WHAT IS THE FOG AND WHAT CAUSES IT?
Syllable:
Preliminary examination: Indian and World Geography: Physical, Social and Economic Geography of India and the World.
Network examination: General Studies I: major geophysical phenomena such as earthquakes, tsunamis, volcanic activity, cyclones, etc., geographic features and their location: changes in critical geographic features (including water bodies and polar caps) and in flora and fauna and the effects of such changes.
Key points to ponder:
• What is the ongoing story? For two consecutive mornings, heavy fog engulfed northwestern India, including Delhi, Punjab, Haryana, parts of Uttar Pradesh and parts of Rajasthan. Episodes of fog, following a relatively warm start to winter, are likely to recur over the Indus Gangetic Plain over the next three days, resulting in poor visibility in the pre-dawn and post-dawn hours.
• How does fog form?
• What has been happening in North West India?
• What are the characteristics of the fog over Delhi?
• What is the link between pollution levels and fog?
• Why have the days been unusually warm for the winter this December with the maximum temperature above normal?
• What are western disturbances?
• What is the cause of the Western riots?
• What is the effect of western disturbances?
• What is the impact of the western riots on the climate in India in general and in Delhi in particular?
• You know-Western disturbances are storms that originate in the Mediterranean region. They bring easterly winds to Delhi, along with an increase in humidity and an increase in cloudiness or rain. They are common features in winter. In monsoons and summer, they have more tropical characteristics and bring showers and thunderstorms. In winter, they bring rain and snow to the hills and more moisture to the plains. Cloud cover results in higher nighttime minimum temperatures and lower daytime or maximum temperatures.
Other important articles covering the same topic:
????How western disturbances keep Delhi’s weather ever-changing
????Why these winters in Delhi are not wintery enough
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