Daily Current Affairs Quiz
Current Affairs Quiz — May 4, 2026
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15 questions based on today’s current affairs & editorials
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Question 1 of 15
Mission Drishti, launched on May 3, 2026, is described as the world’s first satellite of which type?
Mission Drishti, launched by Bengaluru startup GalaxEye via SpaceX Falcon 9 on May 3, 2026, is the world’s first OptoSAR satellite — a platform that fuses Synthetic Aperture Radar (SAR) and Multispectral Imaging (MSI) on a single spacecraft. SAR enables all-weather, day-night imaging using microwave pulses; MSI provides colour spectral detail.
Combined, the satellite achieves 1.2–1.8 m resolution imaging through clouds and in darkness — capabilities impossible for either sensor alone. The satellite weighs ~190 kg and orbits at ~500 km Sun-Synchronous Orbit.
GalaxEye plans a constellation of ~10 satellites by 2030.
Combined, the satellite achieves 1.2–1.8 m resolution imaging through clouds and in darkness — capabilities impossible for either sensor alone. The satellite weighs ~190 kg and orbits at ~500 km Sun-Synchronous Orbit.
GalaxEye plans a constellation of ~10 satellites by 2030.
📝 Concept Note
SAR (Synthetic Aperture Radar) uses microwave pulses to image the Earth’s surface regardless of cloud cover or lighting conditions. “OptoSAR” is the fusion of optical (Multispectral) and SAR sensors on one satellite — previously this required separate platforms. GalaxEye was founded by IIT Madras alumni.
🎯 Concept Kit — tap to expand
Mission Drishti; GalaxEye; OptoSAR technology; SAR vs optical sensors; India private space sector; IN-SPACe
Question 2 of 15
INS Mahendragiri, delivered to the Indian Navy on April 30, 2026, belongs to which ship class and project?
INS Mahendragiri (hull Y-12654) is a Nilgiri-class stealth frigate built under Project 17A — the Indian Navy’s follow-on frigate programme after Project 17 (Shivalik-class). Project 17A comprises 7 ships total: 4 built by Mazagon Dock Shipbuilders Limited (MDL), Mumbai, and 3 by Garden Reach Shipbuilders and Engineers (GRSE), Kolkata.
INS Mahendragiri is MDL’s 4th (and final) P17A ship, making it the 6th P17A ship delivered overall. All P17A frigates are designed by the Warship Design Bureau (WDB) of the Indian Navy.
Key systems include BrahMos missiles, Barak-8 SAM, and advanced sonar suites.
INS Mahendragiri is MDL’s 4th (and final) P17A ship, making it the 6th P17A ship delivered overall. All P17A frigates are designed by the Warship Design Bureau (WDB) of the Indian Navy.
Key systems include BrahMos missiles, Barak-8 SAM, and advanced sonar suites.
📝 Concept Note
Project 17A vs other projects: Project 15B = Visakhapatnam-class destroyers (larger, 7,400 tonnes); Project 17A = Nilgiri-class stealth frigates (medium); Project 28 = Kamorta-class anti-submarine corvettes (smaller). INS Mahendragiri marks the 100th vessel milestone for the Warship Design Bureau.
Named after Mahendragiri mountain, Eastern Ghats, Odisha.
Named after Mahendragiri mountain, Eastern Ghats, Odisha.
🎯 Concept Kit — tap to expand
INS Mahendragiri; Project 17A; Nilgiri-class; MDL; GRSE; Warship Design Bureau; naval indigenisation; Aatmanirbhar Bharat defence
Question 3 of 15
In the USTR Special 301 Report 2026, which country was designated as a "Priority Foreign Country" — the most serious category — for the first time since 2013?
Vietnam was designated a “Priority Foreign Country (PFC)” in the 2026 USTR Special 301 Report — the first time since 2013. PFC is the most serious designation under the Special 301 framework and can trigger a formal Section 301 investigation, potentially leading to US trade sanctions or tariff increases.
Vietnam was flagged for inadequate copyright protection, weak pharmaceutical IP enforcement, and large-scale piracy of US software, films, and music. India was retained on the less severe “Priority Watch List” — as it has been for 34 consecutive years.
China remained on the Priority Watch List alongside India, Chile, Indonesia, Russia, and Venezuela. The EU was newly added to the less severe Watch List.
Vietnam was flagged for inadequate copyright protection, weak pharmaceutical IP enforcement, and large-scale piracy of US software, films, and music. India was retained on the less severe “Priority Watch List” — as it has been for 34 consecutive years.
China remained on the Priority Watch List alongside India, Chile, Indonesia, Russia, and Venezuela. The EU was newly added to the less severe Watch List.
📝 Concept Note
Special 301 tiers: (1) Priority Foreign Country — most severe, can trigger Section 301; (2) Priority Watch List — significant IP concerns; (3) Watch List — moderate concerns. The Special 301 Report is published annually under Section 182 of the Trade Act of 1974. 2026 = 38th edition.
India has been on Priority Watch List since 1993.
India has been on Priority Watch List since 1993.
🎯 Concept Kit — tap to expand
USTR Special 301 Report; Priority Foreign Country; Priority Watch List; Section 301; IP enforcement; Vietnam; India–US trade
Question 4 of 15
India’s Section 3(d) of the Patents Act 1970 — frequently cited by USTR — prevents which practice in the pharmaceutical sector?
Section 3(d) of India’s Patents Act 1970 (amended 2005) prohibits the grant of patents for new forms of known substances (salts, esters, polymorphs, etc.) unless they demonstrate significantly enhanced efficacy compared to the known substance. This prevents “evergreening” — the pharmaceutical industry practice of making minor modifications to an existing drug molecule just before patent expiry, obtaining a new patent, and extending market exclusivity.
The landmark Novartis v. Union of India case (Supreme Court, 2013) upheld Section 3(d), ruling that Gleevec (imatinib) did not meet the enhanced efficacy threshold. USTR considers Section 3(d) to improperly restrict patent protection; India defends it as essential for affordable generic medicines and public health.
The landmark Novartis v. Union of India case (Supreme Court, 2013) upheld Section 3(d), ruling that Gleevec (imatinib) did not meet the enhanced efficacy threshold. USTR considers Section 3(d) to improperly restrict patent protection; India defends it as essential for affordable generic medicines and public health.
📝 Concept Note
Novartis v. Union of India (2013): SC upheld rejection of Gleevec patent under Section 3(d). This was a landmark ruling on patent law and access to medicines.
Compulsory Licensing (Section 84, Patents Act): different provision — allows a third party to produce a patented drug without patent holder’s consent under public health emergencies. India granted its first CL in 2012 (Nexavar/sorafenib by Natco Pharma).
Compulsory Licensing (Section 84, Patents Act): different provision — allows a third party to produce a patented drug without patent holder’s consent under public health emergencies. India granted its first CL in 2012 (Nexavar/sorafenib by Natco Pharma).
🎯 Concept Kit — tap to expand
Section 3(d) Patents Act; evergreening; pharmaceutical patents; Novartis v Union of India; TRIPS; compulsory licensing; India–US IP dispute
Question 5 of 15
The Santa Marta Climate Conference (April 2026) was notable for being held outside which framework?
The Santa Marta Climate Conference was held outside the UNFCCC framework — the primary multilateral climate treaty under which annual COP meetings occur. This was deliberate: the UNFCCC operates by consensus, meaning any single country (including major fossil fuel producers or exporters) can block or water down decisions.
COP28 (Dubai, 2023) was the first COP to include language on “transitioning away from fossil fuels” — but “phase-out” language was blocked by oil-producing states. By meeting outside UNFCCC, the Santa Marta coalition of 57 countries (April 24–29, 2026) can develop binding national roadmaps without requiring global consensus.
India, the US, and China — three of the world’s largest emitters and fossil fuel users — were absent from Santa Marta.
COP28 (Dubai, 2023) was the first COP to include language on “transitioning away from fossil fuels” — but “phase-out” language was blocked by oil-producing states. By meeting outside UNFCCC, the Santa Marta coalition of 57 countries (April 24–29, 2026) can develop binding national roadmaps without requiring global consensus.
India, the US, and China — three of the world’s largest emitters and fossil fuel users — were absent from Santa Marta.
📝 Concept Note
UNFCCC was adopted in 1992 (Rio Earth Summit); entered into force 1994; 197 parties. Annual COPs: COP28 = Dubai 2023; COP29 = Baku, Azerbaijan 2024; COP30 = Belém, Brazil 2025; COP31 = 2026 (venue being finalised).
The “coalition of the willing” approach — acting outside consensus frameworks — mirrors the approach used for nuclear non-proliferation and arms control when full global agreement was impossible.
The “coalition of the willing” approach — acting outside consensus frameworks — mirrors the approach used for nuclear non-proliferation and arms control when full global agreement was impossible.
🎯 Concept Kit — tap to expand
Santa Marta conference; fossil fuel phase-out; UNFCCC limitations; consensus rule; COP history; Fossil Fuel Non-Proliferation Treaty; India climate diplomacy
Question 6 of 15
The EU Carbon Border Adjustment Mechanism (CBAM) entered full compliance from January 1, 2026. Which of the following is NOT one of the six sectors initially covered by CBAM?
The six sectors covered by CBAM are: (1) Cement, (2) Iron and Steel, (3) Aluminium, (4) Fertilizers, (5) Electricity, and (6) Hydrogen. Pharmaceuticals are NOT included.
CBAM works by requiring EU importers to purchase “CBAM certificates” for the embedded carbon in their imports — at a price equivalent to what they would have paid under the EU Emissions Trading System (EU ETS). During the transitional phase (October 2023 – December 2025), only reporting of embedded carbon was required.
From January 1, 2026, actual certificate purchases are mandatory. India exports significant steel and aluminium to the EU, making CBAM a significant trade concern.
India is exploring an India Border Adjustment Mechanism (IBAM) to retain carbon revenues domestically.
CBAM works by requiring EU importers to purchase “CBAM certificates” for the embedded carbon in their imports — at a price equivalent to what they would have paid under the EU Emissions Trading System (EU ETS). During the transitional phase (October 2023 – December 2025), only reporting of embedded carbon was required.
From January 1, 2026, actual certificate purchases are mandatory. India exports significant steel and aluminium to the EU, making CBAM a significant trade concern.
India is exploring an India Border Adjustment Mechanism (IBAM) to retain carbon revenues domestically.
📝 Concept Note
CBAM transitional phase: Oct 2023 – Dec 2025 (reporting only). Full compliance: from Jan 1, 2026.
EU ETS carbon price: ~€55–65/tonne CO₂. IBAM (India Border Adjustment Mechanism): proposed Indian domestic carbon charge on the same sectors — if implemented, would give Indian exporters a credit against their CBAM liability, keeping revenue in India rather than flowing to EU.
EU ETS carbon price: ~€55–65/tonne CO₂. IBAM (India Border Adjustment Mechanism): proposed Indian domestic carbon charge on the same sectors — if implemented, would give Indian exporters a credit against their CBAM liability, keeping revenue in India rather than flowing to EU.
🎯 Concept Kit — tap to expand
CBAM; EU ETS; carbon leakage; IBAM; India carbon market; Carbon Credit Trading Scheme (CCTS); embedded carbon; six CBAM sectors
Question 7 of 15
India’s Carbon Credit Trading Scheme (CCTS) was expanded in January 2026 to cover 490 entities. Under which legislation is the CCTS established?
The Carbon Credit Trading Scheme (CCTS) was established under the Energy Conservation (Amendment) Act, 2022 — which amended the Energy Conservation Act, 2001 to empower the Bureau of Energy Efficiency (BEE) to set up India’s domestic carbon market. Under CCTS, 1 Indian Carbon Credit (ICC) = 1 tonne CO₂ equivalent.
In January 2026, India added 208 new entities (petroleum refineries, petrochemicals, secondary aluminium, textiles), expanding total coverage to 490 entities. The scheme uses a “Perform, Achieve, Trade (PAT)” model initially, with carbon credits tradable on exchanges designated by the Ministry of Power (BSE/NSE).
The scheme is regulated by BEE under the Ministry of Power, not the Ministry of Environment.
In January 2026, India added 208 new entities (petroleum refineries, petrochemicals, secondary aluminium, textiles), expanding total coverage to 490 entities. The scheme uses a “Perform, Achieve, Trade (PAT)” model initially, with carbon credits tradable on exchanges designated by the Ministry of Power (BSE/NSE).
The scheme is regulated by BEE under the Ministry of Power, not the Ministry of Environment.
📝 Concept Note
BEE (Bureau of Energy Efficiency): Under Ministry of Power; implements PAT scheme, CCTS, energy labelling. PAT (Perform, Achieve, Trade): Energy efficiency trading scheme — entities that overperform their efficiency targets earn Escerts (Energy Saving Certificates) which they can sell to under-performers.
CCTS is separate but uses similar infrastructure. ICC = Indian Carbon Credit.
CCTS is separate but uses similar infrastructure. ICC = Indian Carbon Credit.
🎯 Concept Kit — tap to expand
CCTS; Carbon Credit Trading Scheme; Energy Conservation Amendment Act 2022; BEE; ICC; PAT scheme; Indian Carbon Market; CBAM response
Question 8 of 15
The MoSPI "Women and Men in India 2025" report (27th edition) revealed that female Gross Enrolment Ratio (GER) in higher education is:
The 27th edition of “Women and Men in India 2025” (MoSPI) reveals that the female Gross Enrolment Ratio (GER) in higher education is 30.2 — surpassing male GER of 28.9. This means proportionally more women are enrolled in higher education than men — a Gender Parity Index (GPI) above 1.0.
GER is calculated as total enrolment (regardless of age) divided by the total population in the relevant official age group, multiplied by 100. This reversal is a remarkable change from historical patterns where male enrolment consistently exceeded female.
Drivers include Beti Bachao Beti Padhao, scholarship schemes, hostels for girls, and changing social attitudes. The report also found: sex ratio improved to 917 (from 904), rural female LFPR at 45.9%, rural TFR at replacement level 2.1.
GER is calculated as total enrolment (regardless of age) divided by the total population in the relevant official age group, multiplied by 100. This reversal is a remarkable change from historical patterns where male enrolment consistently exceeded female.
Drivers include Beti Bachao Beti Padhao, scholarship schemes, hostels for girls, and changing social attitudes. The report also found: sex ratio improved to 917 (from 904), rural female LFPR at 45.9%, rural TFR at replacement level 2.1.
📝 Concept Note
GPI (Gender Parity Index) = female GER / male GER. GPI = 1.0 means parity; >1.0 means female advantage; <1.0 means male advantage. For UPSC: India has achieved GPI > 1.0 in higher education as of 2025 — an important data point for Essay and GS1/GS2 questions on women’s empowerment.
Sex ratio 917 is still below global average of ~980 — India has structural challenges despite improvement.
Sex ratio 917 is still below global average of ~980 — India has structural challenges despite improvement.
🎯 Concept Kit — tap to expand
GER; GPI; women in higher education; sex ratio; LFPR; TFR; MoSPI; Women and Men in India 2025; gender indicators UPSC
Question 9 of 15
The Supreme Court ruling that allowed a 15-year-old rape survivor to terminate a 30-week pregnancy directed Parliament to amend which legislation?
The Supreme Court bench of Justices B V Nagarathna and Ujjal Bhuyan allowed a 15-year-old rape survivor to terminate a 30-week pregnancy and directed Parliament to amend the Medical Termination of Pregnancy (MTP) Act to extend the gestational limit for rape survivors. The current MTP Act (as amended in 2021) allows termination up to 20 weeks on the opinion of one registered medical practitioner, and up to 24 weeks for “vulnerable women” (rape survivors, minors, differently-abled) on the opinion of two practitioners.
Beyond 24 weeks, termination requires approval of a State Medical Board. The Court held that reproductive autonomy is a fundamental right under Article 21 (right to life and personal liberty) and that the woman’s health and welfare must be the primary consideration.
Beyond 24 weeks, termination requires approval of a State Medical Board. The Court held that reproductive autonomy is a fundamental right under Article 21 (right to life and personal liberty) and that the woman’s health and welfare must be the primary consideration.
📝 Concept Note
MTP Act timeline: MTP Act 1971 → MTP (Amendment) Act 2021 (raised upper limit from 20 to 24 weeks for vulnerable women). Current limits: General: up to 20 weeks; Vulnerable women (rape, minors, differently-abled, fetal abnormality): up to 24 weeks; Beyond 24 weeks: State Medical Board approval.
The SC’s May 2026 direction would extend this further for rape survivors. Article 21 jurisprudence: Right to life includes reproductive autonomy — K.S. Puttaswamy v. Union of India (2017) upheld right to privacy, including bodily autonomy.
The SC’s May 2026 direction would extend this further for rape survivors. Article 21 jurisprudence: Right to life includes reproductive autonomy — K.S. Puttaswamy v. Union of India (2017) upheld right to privacy, including bodily autonomy.
🎯 Concept Kit — tap to expand
MTP Act; reproductive autonomy; Article 21; Supreme Court; abortion rights; POCSO; rape survivor rights; K.S. Puttaswamy; sexual violence law
Question 10 of 15
The Directorate of Enforcement (ED), established on May 1, 1956, enforces which combination of legislations?
The Directorate of Enforcement (ED) was established on May 1, 1956 — completing 70 years in 2026. It functions under the Department of Revenue, Ministry of Finance.
ED enforces three primary legislations: (1) PMLA 2002 (Prevention of Money Laundering Act) — for attachment, adjudication, and prosecution in money laundering cases; (2) FEMA 1999 (Foreign Exchange Management Act) — for foreign exchange violations, replacing the older FERA 1973; and (3) Fugitive Economic Offenders Act (FEOA) 2018 — to confiscate assets of economic offenders who flee Indian jurisdiction (e.g., Vijay Mallya, Nirav Modi). ED operates 10 Zonal Offices and 11 Sub-Zonal Offices across India, headquartered in New Delhi.
ED enforces three primary legislations: (1) PMLA 2002 (Prevention of Money Laundering Act) — for attachment, adjudication, and prosecution in money laundering cases; (2) FEMA 1999 (Foreign Exchange Management Act) — for foreign exchange violations, replacing the older FERA 1973; and (3) Fugitive Economic Offenders Act (FEOA) 2018 — to confiscate assets of economic offenders who flee Indian jurisdiction (e.g., Vijay Mallya, Nirav Modi). ED operates 10 Zonal Offices and 11 Sub-Zonal Offices across India, headquartered in New Delhi.
📝 Concept Note
PMLA vs FEMA: PMLA is criminal (money laundering, imprisonment possible); FEMA is civil (foreign exchange violations, penalties). FEOA 2018: Passed to deal with economic fugitives; threshold: Rs 100 crore+ default; allows confiscation of domestic + overseas assets.
ED was earlier called “Enforcement Unit” under FERA — renamed when FEMA replaced FERA in 1999–2000. Income Tax = CBDT jurisdiction; GST = GSTN/GST Council/CBIC jurisdiction.
ED was earlier called “Enforcement Unit” under FERA — renamed when FEMA replaced FERA in 1999–2000. Income Tax = CBDT jurisdiction; GST = GSTN/GST Council/CBIC jurisdiction.
🎯 Concept Kit — tap to expand
Directorate of Enforcement; PMLA 2002; FEMA 1999; FEOA 2018; economic offences; money laundering; Fugitive Economic Offenders Act; ED
Question 11 of 15
The Fossil Fuel Non-Proliferation Treaty (FFNPT) concept is modelled after which existing international treaty?
The Fossil Fuel Non-Proliferation Treaty (FFNPT) concept is explicitly modelled after the Nuclear Non-Proliferation Treaty (NPT) — using the same framework structure of: (1) non-proliferation (no new fossil fuel extraction), (2) phase-out (reduce existing production), and (3) transition support (just transition, like NPT’s disarmament + peaceful use pillars). The NPT (1968, entered into force 1970) distinguishes nuclear weapon states and non-nuclear weapon states.
Similarly, FFNPT advocates distinguish high-historical-emitters (like G7 nations) who should phase out faster, from developing nations who need transition support. The FFNPT was initially championed by Timor-Leste, Vanuatu, and Tuvalu, and has been supported by many SIDS and academics.
It has not been adopted as a formal UN treaty.
Similarly, FFNPT advocates distinguish high-historical-emitters (like G7 nations) who should phase out faster, from developing nations who need transition support. The FFNPT was initially championed by Timor-Leste, Vanuatu, and Tuvalu, and has been supported by many SIDS and academics.
It has not been adopted as a formal UN treaty.
📝 Concept Note
NPT (Nuclear Non-Proliferation Treaty): Three pillars — non-proliferation, disarmament, and peaceful use of nuclear energy. India is NOT a signatory to NPT (India conducted nuclear tests in 1974 and 1998).
CTBT (Comprehensive Nuclear Test Ban Treaty): Bans all nuclear explosions; India signed but has not ratified. CWC (Chemical Weapons Convention): India signed and ratified; OPCW is the implementing body (Nobel Peace Prize 2013).
CTBT (Comprehensive Nuclear Test Ban Treaty): Bans all nuclear explosions; India signed but has not ratified. CWC (Chemical Weapons Convention): India signed and ratified; OPCW is the implementing body (Nobel Peace Prize 2013).
🎯 Concept Kit — tap to expand
FFNPT; NPT analogy; fossil fuel treaty; SIDS; Tuvalu; Santa Marta; climate diplomacy; NPT pillars; CTBT; CWC
Question 12 of 15
Section 3(d) of the Indian Patents Act 1970 was upheld by the Supreme Court in which landmark pharmaceutical patent case?
The landmark case upholding Section 3(d) of the Indian Patents Act was Novartis AG v. Union of India (2013) — decided by a 2-judge bench of the Supreme Court (Justices Aftab Alam and Ranjana Prakash Desai). Novartis sought a patent for imatinib mesylate (brand name Gleevec/Glivec) — a beta crystalline form of imatinib, a cancer drug.
The Supreme Court rejected the patent, holding that the beta crystalline form did not demonstrate “enhanced efficacy” over the known imatinib free base — as required by Section 3(d). The ruling was globally significant: it validated India’s anti-evergreening provision and affirmed that minor chemical modifications cannot secure new patents.
Bayer v. Natco (2014) is a separate case on compulsory licensing — the Controller of Patents granted India’s first compulsory licence to Natco Pharma for Bayer’s Nexavar (sorafenib tosylate).
The Supreme Court rejected the patent, holding that the beta crystalline form did not demonstrate “enhanced efficacy” over the known imatinib free base — as required by Section 3(d). The ruling was globally significant: it validated India’s anti-evergreening provision and affirmed that minor chemical modifications cannot secure new patents.
Bayer v. Natco (2014) is a separate case on compulsory licensing — the Controller of Patents granted India’s first compulsory licence to Natco Pharma for Bayer’s Nexavar (sorafenib tosylate).
📝 Concept Note
Compulsory Licensing (CL): Under Section 84 of Patents Act — allows third party to produce a patented drug without patent holder’s permission, subject to royalty payment, on grounds of public health emergency or non-availability at reasonable price. India’s first CL: Sorafenib tosylate (Nexavar) for liver/kidney cancer — Bayer v. Natco Pharma (2012 decision).
CL ≠ Section 3(d): CL is about access after patent granted; 3(d) is about preventing certain patents from being granted.
CL ≠ Section 3(d): CL is about access after patent granted; 3(d) is about preventing certain patents from being granted.
🎯 Concept Kit — tap to expand
Novartis v Union of India; Section 3(d); evergreening; pharmaceutical patents; Gleevec; Bayer v Natco; compulsory licensing; IP law India
Question 13 of 15
India Post Payments Bank (IPPB) operates under which business model that prevents it from issuing loans?
India Post Payments Bank (IPPB) operates as a payments bank — a special category of bank introduced by the RBI in 2015 based on the Nachiket Mor Committee recommendations. Payments banks can: accept deposits (up to Rs 2 lakh per customer), offer payment and remittance services, issue debit cards, and provide internet banking.
Payments banks cannot: issue credit (no loans, no credit cards), accept NRI deposits, or issue credit cards. This distinguishes IPPB from commercial banks (like SBI) and Small Finance Banks (which can lend).
IPPB leverages India Post’s extensive network of 1.65 lakh post offices and ~3 lakh postmen as banking correspondents — reaching rural areas where traditional bank branches are absent. The recently launched SHG account has a maximum balance of Rs 2 lakh — consistent with the payments bank deposit cap.
Payments banks cannot: issue credit (no loans, no credit cards), accept NRI deposits, or issue credit cards. This distinguishes IPPB from commercial banks (like SBI) and Small Finance Banks (which can lend).
IPPB leverages India Post’s extensive network of 1.65 lakh post offices and ~3 lakh postmen as banking correspondents — reaching rural areas where traditional bank branches are absent. The recently launched SHG account has a maximum balance of Rs 2 lakh — consistent with the payments bank deposit cap.
📝 Concept Note
Payments bank licence holders (as of 2026): Airtel Payments Bank, Jio Payments Bank, Fino Payments Bank (converted to SFB), Paytm Payments Bank (surrendered licence 2024), India Post Payments Bank, NSDL Payments Bank. Small Finance Banks (SFBs) CAN lend — their licence is more restrictive than commercial banks but they have lending powers.
Nachiket Mor Committee (2014): Recommended differentiated banking licences including payments banks and SFBs.
Nachiket Mor Committee (2014): Recommended differentiated banking licences including payments banks and SFBs.
🎯 Concept Kit — tap to expand
Payments bank; IPPB; India Post; RBI; Nachiket Mor Committee; payments bank restrictions; SFB vs payments bank; financial inclusion
Question 14 of 15
The rural Total Fertility Rate (TFR) in India as reported in Women and Men in India 2025 is 2.1 — which is described as:
A TFR (Total Fertility Rate) of 2.1 is the “replacement level fertility” — the rate at which a population exactly replaces itself from one generation to the next (accounting for child mortality and sex ratio at birth). India’s rural TFR reaching 2.1 (as reported in Women and Men in India 2025) means rural India is at the threshold of population stabilisation.
The urban TFR of 1.5 is well below replacement — meaning urban India’s population would decline without migration from rural areas or abroad. India achieved the national replacement-level TFR in 2021 (TFR = 2.0 per NFHS-5).
For UPSC context: India’s population crossed 1.4 billion in 2023; India surpassed China as most populous nation (UN estimate, 2023). The demographic dividend window (larger working-age population) is expected until around 2040–2045 for India.
The urban TFR of 1.5 is well below replacement — meaning urban India’s population would decline without migration from rural areas or abroad. India achieved the national replacement-level TFR in 2021 (TFR = 2.0 per NFHS-5).
For UPSC context: India’s population crossed 1.4 billion in 2023; India surpassed China as most populous nation (UN estimate, 2023). The demographic dividend window (larger working-age population) is expected until around 2040–2045 for India.
📝 Concept Note
TFR at different levels: TFR > 2.1 = growing population; TFR = 2.1 = replacement; TFR < 2.1 = eventual population decline. India’s TFR trajectory: 5.9 (1970) → 3.4 (1993) → 2.1 (2021 per NFHS-5) → ~2.0 (2025 estimate).
All states below 2.1 TFR by 2025 except a few — Meghalaya, Manipur have slightly higher TFR. Demographic dividend requires investment in education, health, and employment for the large working-age cohort.
All states below 2.1 TFR by 2025 except a few — Meghalaya, Manipur have slightly higher TFR. Demographic dividend requires investment in education, health, and employment for the large working-age cohort.
🎯 Concept Kit — tap to expand
TFR; replacement level; demographic transition; urban TFR 1.5; rural TFR 2.1; NFHS; India population; demographic dividend; Women and Men in India 2025
Question 15 of 15
Which of the following statements about India’s e-Courts Mission Mode Project is correct?
Phase II of the e-Courts Mission Mode Project (2015–2023) introduced the National Judicial Data Grid (NJDG) — providing real-time case pendency data across 18,500+ courts — and deployed video conferencing infrastructure in district courts and prisons. Phase I (2007–2015) focused on computer hardware installation and basic LAN connectivity in courts.
Phase III (2023–2027, ongoing) aims for AI-assisted legal research, nationwide e-filing, paperless courts (as achieved in Sikkim), and extension to tribunals. The project is implemented jointly by the Ministry of Law and Justice (Department of Justice) and the Supreme Court of India, with technical support from the National Informatics Centre (NIC).
The e-Committee of the Supreme Court — chaired by a sitting SC judge — is the key steering body.
Phase III (2023–2027, ongoing) aims for AI-assisted legal research, nationwide e-filing, paperless courts (as achieved in Sikkim), and extension to tribunals. The project is implemented jointly by the Ministry of Law and Justice (Department of Justice) and the Supreme Court of India, with technical support from the National Informatics Centre (NIC).
The e-Committee of the Supreme Court — chaired by a sitting SC judge — is the key steering body.
📝 Concept Note
e-Committee of Supreme Court: Set up in 2004; headed by a sitting SC judge; drives e-Courts implementation. Key achievements under e-Courts: NJDG, eFiling, eSeva Kendras, JustIS mobile app, FASTER (Fast and Secured Transmission of Electronic Records) for SC orders to courts.
FASTER: Allows SC orders to reach all courts and jails in real-time electronically — prevents wrongful detention after bail.
FASTER: Allows SC orders to reach all courts and jails in real-time electronically — prevents wrongful detention after bail.
🎯 Concept Kit — tap to expand
e-Courts Mission; Phase I Phase II Phase III; NJDG; FASTER; NIC; e-Committee Supreme Court; video conferencing courts; AI in judiciary
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