UPSC Prelims Practice
Current Affairs Quiz 5 September 2026
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Test Your Knowledge
15 questions based on today’s current affairs & editorials
15 MCQs
Explanations
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Question 1 of 15
The Rangpur-Sivasagar Historic Ensemble, added to the UNESCO World Heritage Tentative List (2026), is associated with which of the following?
FACT: The Rangpur-Sivasagar Ensemble is the seat of the Ahom kingdom that ruled the Brahmaputra valley from 1228 to 1826 and includes the Rang Ghar, the Talatal Ghar and the Kareng Ghar. ANALYSIS: The nomination continues the Ahom cultural inscription that began with the Charaideo Moidams, inscribed at the 46th World Heritage Committee session in 2024.
📝 Concept Note
The World Heritage Convention, 1972, requires that a site sit on a country’s Tentative List for at least one year before it can be nominated for inscription on the World Heritage List. India ratified the Convention in 1977 and has 45 inscribed sites as of 2026, the most recent being the Ancient Buddhist Site of Sarnath, inscribed in July 2026.
The nominating criteria most relevant to the Ahom ensemble are Criteria (iii), unique testimony to a cultural tradition, and (iv), outstanding example of an architectural ensemble. The Ahom kingdom was founded by Sukaphaa in 1228 and ended with the Treaty of Yandabo in 1826.
The nominating criteria most relevant to the Ahom ensemble are Criteria (iii), unique testimony to a cultural tradition, and (iv), outstanding example of an architectural ensemble. The Ahom kingdom was founded by Sukaphaa in 1228 and ended with the Treaty of Yandabo in 1826.
🎯 Concept Kit — tap to expand
| 🔗 Cross-Paper Links | ** GS1 (History, Art and Culture); GS2 (International conventions). ** |
| ✍️ Mains Keywords | ** Tentative List, Outstanding Universal Value, Ahom-era architecture, Charaideo Moidams. ** |
| ⚠️ Common Mistake | ** Treating Tentative List entry as inscription; it is only the first step. ** |
| 📌 Exam Tip | ** UPSC has asked repeatedly on the World Heritage Convention and India’s inscribed sites. ** |
| 🎤 Interview | ** Should the Tentative List be seen as a diplomatic instrument as much as a heritage instrument? |
Question 2 of 15
Which of the following is correct about the BRICS grouping as of 2026?
FACT: Indonesia joined BRICS as a full member with effect from January 2025. BRICS in 2026 has ten full members, namely Brazil, Russia, India, China, South Africa, Egypt, Ethiopia, Iran, the United Arab Emirates and Indonesia.
Saudi Arabia was invited at the 2023 Johannesburg summit with effect from 2024 but has not confirmed member status. ANALYSIS: The Partner Country category was created at the 16th BRICS Summit at Kazan in 2024 and includes Belarus, Bolivia, Kazakhstan, Malaysia, Thailand, Uganda and Uzbekistan.
Saudi Arabia was invited at the 2023 Johannesburg summit with effect from 2024 but has not confirmed member status. ANALYSIS: The Partner Country category was created at the 16th BRICS Summit at Kazan in 2024 and includes Belarus, Bolivia, Kazakhstan, Malaysia, Thailand, Uganda and Uzbekistan.
📝 Concept Note
The New Development Bank is headquartered at Shanghai and was established in 2015 with an initial subscribed capital of USD 50 billion and an authorised capital of USD 100 billion. Its Board of Governors was chaired at inception by the Finance Minister of the founding country by rotation.
Its current President since 2023 is Dilma Rousseff of Brazil. India holds the rotating BRICS chairship in 2026 and hosts the 18th Leaders’ Summit at Bharat Mandapam on 12 and 13 September 2026, with a BRICS Chief Justices’ Forum held immediately before it.
Its current President since 2023 is Dilma Rousseff of Brazil. India holds the rotating BRICS chairship in 2026 and hosts the 18th Leaders’ Summit at Bharat Mandapam on 12 and 13 September 2026, with a BRICS Chief Justices’ Forum held immediately before it.
🎯 Concept Kit — tap to expand
| 🔗 Cross-Paper Links | ** GS2 (Bilateral, regional and global groupings). ** |
| ✍️ Mains Keywords | ** BRICS expansion, Partner Country, New Development Bank, plurilateral convening. ** |
| ⚠️ Common Mistake | ** Confusing Partner Country with Full Member; treating Saudi Arabia as a Full Member (its status is still pending). ** |
| 📌 Exam Tip | ** UPSC Mains 2023 asked on BRICS expansion; the 2024 Kazan Summit institutional changes recur. ** |
| 🎤 Interview | ** Does BRICS expansion strengthen the grouping or dilute its coherence? |
Question 3 of 15
Teachers Day in India is observed on 5 September to mark the birth anniversary of Dr Sarvepalli Radhakrishnan. Which of the following is correct?
FACT: Radhakrishnan was the second President of India (13 May 1962 to 13 May 1967) and had served as Vice President from 1952 to 1962. ANALYSIS: He received the Bharat Ratna in 1954 (jointly with C. Rajagopalachari and C.V. Raman) and Teachers Day has been observed in India since 1962.
📝 Concept Note
Radhakrishnan was born at Tiruttani on 5 September 1888 and died on 17 April 1975. He was a philosopher of Advaita Vedanta, wrote the two-volume Indian Philosophy and was the first Indian Vice Chancellor of Andhra University.
The National Teachers Awards are conferred annually by the President at Vigyan Bhawan, administered by the Department of School Education and Literacy under the Ministry of Education, through a three-tier (district, state, national) selection process. The National Education Policy, 2020 devotes Chapter 5 to teachers, and NISHTHA, launched in 2019, is the National Initiative for School Heads and Teachers Holistic Advancement.
The National Teachers Awards are conferred annually by the President at Vigyan Bhawan, administered by the Department of School Education and Literacy under the Ministry of Education, through a three-tier (district, state, national) selection process. The National Education Policy, 2020 devotes Chapter 5 to teachers, and NISHTHA, launched in 2019, is the National Initiative for School Heads and Teachers Holistic Advancement.
🎯 Concept Kit — tap to expand
| 🔗 Cross-Paper Links | ** GS2 (Governance, education); GS1 (Modern Indian history, personalities). ** |
| ✍️ Mains Keywords | ** NEP 2020 Chapter 5, NISHTHA, NPST, three-tier selection, teacher agency. ** |
| ⚠️ Common Mistake | ** Confusing the year of Bharat Ratna (1954) with the year of the Presidency (1962). ** |
| 📌 Exam Tip | ** Two-year windows are commonly tested for Vice-President-then-President sequences. ** |
| 🎤 Interview | ** Should Teachers Day recognition be tied to service years or to observable classroom outcomes? |
Question 4 of 15
The Anusandhan National Research Foundation (ANRF) was created by which of the following statutes?
FACT: The Anusandhan National Research Foundation was created by the ANRF Act, 2023, with an outlay of Rs 50,000 crore for 2023 to 2028. ANALYSIS: The ANRF Act repealed the Science and Engineering Research Board Act, 2008 and subsumed SERB into the ANRF, placing research funding under a single national foundation.
📝 Concept Note
ANRF was recommended by the National Education Policy, 2020 as a national umbrella body for funding, mentoring and building research capacity across universities, colleges, research institutions and R&D laboratories. It works across the natural sciences, engineering, humanities and social sciences.
The Prime Minister is the President of the Foundation ex officio, and the Union Ministers of Science and Technology and of Education are Vice Presidents. India’s Gross Expenditure on Research and Development (GERD) is approximately 0.65 per cent of GDP, against a target of 2 per cent.
The Prime Minister Research Chair Scheme is one operational instrument to attract Indian-origin researchers based abroad.
The Prime Minister is the President of the Foundation ex officio, and the Union Ministers of Science and Technology and of Education are Vice Presidents. India’s Gross Expenditure on Research and Development (GERD) is approximately 0.65 per cent of GDP, against a target of 2 per cent.
The Prime Minister Research Chair Scheme is one operational instrument to attract Indian-origin researchers based abroad.
🎯 Concept Kit — tap to expand
| 🔗 Cross-Paper Links | ** GS3 (Science and Technology); GS2 (Governance, statutory bodies). ** |
| ✍️ Mains Keywords | ** GERD, research foundation, industry linkage, brain drain to brain gain. ** |
| ⚠️ Common Mistake | ** Treating ANRF as a scheme rather than a statutory foundation. ** |
| 📌 Exam Tip | ** Research funding architecture questions have recurred in UPSC Prelims since 2019. ** |
| 🎤 Interview | ** Does concentrating research funding in one foundation strengthen coordination or reduce plurality? |
Question 5 of 15
The Indian National Centre for Ocean Information Services (INCOIS), which mentors India’s participation in the International Earth Science Olympiad, functions under which of the following?
FACT: INCOIS is an autonomous institution under the Ministry of Earth Sciences, headquartered at Hyderabad. ANALYSIS: The Ministry of Earth Sciences also houses the Deep Ocean Mission, approved in 2021 with an outlay of Rs 4,077 crore, of which the Samudrayaan project is developing the manned submersible MATSYA-6000 to a depth of 6,000 metres.
📝 Concept Note
The International Earth Science Olympiad is held annually since 2007 under the International Geoscience Education Organization, one of twelve International Science Olympiads. India’s participation is coordinated by the Geological Society of India, Bengaluru, with mentoring from INCOIS. The PRITHVI (Earth System Sciences) umbrella scheme was approved by the Union Cabinet on 5 January 2024 with an outlay of Rs 4,797 crore for the period 2021 to 2026 to integrate ocean, atmospheric, hydrospheric, cryospheric and solid earth research under a single programmatic frame.
🎯 Concept Kit — tap to expand
| 🔗 Cross-Paper Links | ** GS3 (Science and Technology); GS1 (Geography, oceanography). ** |
| ✍️ Mains Keywords | ** Deep Ocean Mission, MATSYA-6000, Earth System Sciences, blue economy. ** |
| ⚠️ Common Mistake | ** Confusing INCOIS with INCOIS-adjacent bodies like NCPOR or IITM under the same ministry. ** |
| 📌 Exam Tip | ** UPSC Prelims routinely asks about parent ministries for autonomous scientific bodies. ** |
| 🎤 Interview | ** Are Olympiad wins a leading indicator of national research strength, or a lagging one? |
Question 6 of 15
Camizestrant, granted accelerated approval by the US FDA in September 2026 for advanced breast cancer, belongs to which drug class?
FACT: Camizestrant is a next-generation oral Selective Estrogen Receptor Degrader used for HR+/HER2- advanced or metastatic breast cancer with an emerging ESR1 mutation detected during first-line aromatase inhibitor and CDK4/6 inhibitor therapy. ANALYSIS: The SERENA-6 Phase III trial demonstrated a significant progression-free survival benefit over standard therapy, which formed the basis for the US FDA’s accelerated approval.
📝 Concept Note
The US FDA accelerated approval pathway allows drugs for serious conditions that fill an unmet medical need to be approved based on a surrogate endpoint, in this case progression-free survival, that is reasonably likely to predict clinical benefit. In India, the analogous conditional approval route is available under the New Drugs and Clinical Trials Rules, 2019, administered by the Central Drugs Standard Control Organisation under the Ministry of Health and Family Welfare.
Breast cancer is the most common cancer in Indian women per the National Cancer Registry Programme of the Indian Council of Medical Research, National Centre for Disease Informatics and Research. The Union Budget 2025-26 exempted 36 life-saving cancer drugs from Basic Customs Duty.
Breast cancer is the most common cancer in Indian women per the National Cancer Registry Programme of the Indian Council of Medical Research, National Centre for Disease Informatics and Research. The Union Budget 2025-26 exempted 36 life-saving cancer drugs from Basic Customs Duty.
🎯 Concept Kit — tap to expand
| 🔗 Cross-Paper Links | ** GS3 (Science and Technology, health). ** |
| ✍️ Mains Keywords | ** Precision oncology, accelerated approval, ESR1 mutation, liquid biopsy, biosimilar policy. ** |
| ⚠️ Common Mistake | ** Treating CDSCO as an autonomous regulator like the US FDA; it is a directorate under the Union Health Ministry. ** |
| 📌 Exam Tip | ** Drug approval routes and cancer-drug BCD exemptions have appeared in recent Prelims papers. ** |
| 🎤 Interview | ** Should India align its accelerated approval pathway with the US FDA or set a slower, evidence-heavier bar? |
Question 7 of 15
The mandatory Corporate Social Responsibility spending under Section 135 of the Companies Act, 2013 is calculated at:
FACT: Section 135 mandates a spend equal to at least 2 per cent of the average net profits of the three immediately preceding financial years, on CSR activities listed in Schedule VII. ANALYSIS: The eligibility triggers for a company are a net worth of Rs 500 crore or a turnover of Rs 1,000 crore or a net profit of Rs 5 crore in the immediately preceding financial year.
📝 Concept Note
India was the first country to make CSR spending statutory. Amendments in 2019 and 2021 made unspent CSR liable to be transferred to a Schedule VII fund (like the PM CARES Fund or the Swachh Bharat Kosh) if not spent on an ongoing project.
Charitable activity in India is regulated by the Foreign Contribution (Regulation) Act, 2010 as amended in 2020, administered by the Ministry of Home Affairs, and Sections 12A, 12AB and 80G of the Income Tax Act, 1961. The International Day of Charity is observed globally on 5 September under UN General Assembly Resolution A/RES/67/105 of 2012, marking the death anniversary of Mother Teresa.
Charitable activity in India is regulated by the Foreign Contribution (Regulation) Act, 2010 as amended in 2020, administered by the Ministry of Home Affairs, and Sections 12A, 12AB and 80G of the Income Tax Act, 1961. The International Day of Charity is observed globally on 5 September under UN General Assembly Resolution A/RES/67/105 of 2012, marking the death anniversary of Mother Teresa.
🎯 Concept Kit — tap to expand
| 🔗 Cross-Paper Links | ** GS2 (Governance, corporate social responsibility); GS3 (Corporate governance). ** |
| ✍️ Mains Keywords | ** Schedule VII, Section 135, average net profit, unspent CSR. ** |
| ⚠️ Common Mistake | ** Applying the 2 per cent to the immediately preceding year rather than to the three-year average. ** |
| 📌 Exam Tip | ** UPSC Prelims 2019 asked directly on CSR provisions. ** |
| 🎤 Interview | ** Should CSR remain a mandate or return to being a voluntary norm? |
Question 8 of 15
Munitions India Limited, which signed an MoU with Drogo Aerospace at Pune in September 2026, is one of seven Defence PSUs formed from:
FACT: The Ordnance Factory Board was corporatised on 1 October 2021 into seven new Defence Public Sector Undertakings, namely MIL, AVNL, AWEIL, Troop Comforts Ltd, Yantra India Ltd, India Optel Ltd and Gliders India Ltd. ANALYSIS: 41 ordnance factories were transferred to the seven DPSUs, each with a product mandate, to introduce product-line accountability while retaining strategic state control.
📝 Concept Note
The corporatisation followed the recommendations of the Empowered Group of Ministers on OFB restructuring. It is distinct from privatisation because the Government of India remains the sole shareholder in the seven DPSUs.
Innovations for Defence Excellence (iDEX) was launched in April 2018 under the Department of Defence Production to fund defence startups, MSMEs and academia. Positive Indigenisation Lists are issued by the Department of Defence Production and bar foreign procurement of listed items after a phased timeline.
The current defence procurement framework is Defence Acquisition Procedure 2020.
Innovations for Defence Excellence (iDEX) was launched in April 2018 under the Department of Defence Production to fund defence startups, MSMEs and academia. Positive Indigenisation Lists are issued by the Department of Defence Production and bar foreign procurement of listed items after a phased timeline.
The current defence procurement framework is Defence Acquisition Procedure 2020.
🎯 Concept Kit — tap to expand
| 🔗 Cross-Paper Links | ** GS3 (Defence, indigenisation); GS2 (Government policies). ** |
| ✍️ Mains Keywords | ** OFB corporatisation, product-line accountability, positive indigenisation, DAP 2020, iDEX. ** |
| ⚠️ Common Mistake | ** Treating OFB corporatisation as privatisation. ** |
| 📌 Exam Tip | ** UPSC Prelims 2023 asked on defence indigenisation instruments. ** |
| 🎤 Interview | ** Was product-line splitting the right choice, or would a single defence-manufacturing PSU have been more efficient? |
Question 9 of 15
The Global Methane Pledge, referenced in the UNEP’s Limiting Overshoot report, was launched in which year, and which is the correct statement about it?
FACT: The Global Methane Pledge was launched at COP26 in Glasgow in November 2021 by the United States and the European Union. Signatories commit to a collective goal of reducing global anthropogenic methane emissions by at least 30 per cent below 2020 levels by 2030.
India is not a signatory. ANALYSIS: Methane is responsible for about 0.5 degrees Celsius of current warming, and action on methane is considered the most effective way to slow warming in the near term.
India is not a signatory. ANALYSIS: Methane is responsible for about 0.5 degrees Celsius of current warming, and action on methane is considered the most effective way to slow warming in the near term.
📝 Concept Note
The Global Methane Pledge is not a treaty but a political pledge; it has more than 155 signatories in 2026. India’s hesitation is partly linked to enteric methane from the livestock sector, which would be politically sensitive to target, and partly linked to the wider principle that emissions cuts should reflect Common But Differentiated Responsibilities and Respective Capabilities.
India’s own Nationally Determined Contributions, updated in 2022, target a 45 per cent reduction in emissions intensity of GDP by 2030 below 2005 levels, 50 per cent cumulative electric power installed capacity from non-fossil-fuel sources by 2030, and net-zero emissions by 2070.
India’s own Nationally Determined Contributions, updated in 2022, target a 45 per cent reduction in emissions intensity of GDP by 2030 below 2005 levels, 50 per cent cumulative electric power installed capacity from non-fossil-fuel sources by 2030, and net-zero emissions by 2070.
🎯 Concept Kit — tap to expand
| 🔗 Cross-Paper Links | ** GS3 (Environment, climate change). ** |
| ✍️ Mains Keywords | ** CBDR-RC, methane, near-term warming, non-CO2 gases, NDCs, net-zero. ** |
| ⚠️ Common Mistake | ** Confusing the Global Methane Pledge with the Paris Agreement''s NDCs; the Pledge is a separate initiative. ** |
| 📌 Exam Tip | ** COP-year facts have appeared in every recent Prelims paper. ** |
| 🎤 Interview | ** Should India join the Global Methane Pledge, and on what conditions? |
Question 10 of 15
The Loss and Damage Fund of the UNFCCC, referenced in editorials on the UNEP overshoot report and the Nepal flood, was:
FACT: The Loss and Damage Fund was agreed in principle at COP27 in Sharm el-Sheikh in November 2022 and was operationalised at COP28 in Dubai in November and December 2023, with the World Bank designated as interim trustee for a four-year period. ANALYSIS: Initial pledges to the Fund at COP28 totalled approximately USD 700 million, which is a fraction of what climate-vulnerable countries have said is needed for even a single major disaster.
📝 Concept Note
The Loss and Damage Fund is one of three components of climate finance, alongside adaptation and mitigation finance. It is designed to compensate developing countries for economic and non-economic losses caused by climate change impacts that cannot be prevented by mitigation or addressed through adaptation.
The Fund has its own independent Board and Secretariat but uses the World Bank as a Financial Intermediary Fund host. India welcomed the operationalisation of the Fund.
COP31 is scheduled to be hosted by Türkiye at Antalya in November 2026. The principle of climate justice, invoked by the Indian Express editorial, is rooted in Common But Differentiated Responsibilities and Respective Capabilities from Rio 1992.
The Fund has its own independent Board and Secretariat but uses the World Bank as a Financial Intermediary Fund host. India welcomed the operationalisation of the Fund.
COP31 is scheduled to be hosted by Türkiye at Antalya in November 2026. The principle of climate justice, invoked by the Indian Express editorial, is rooted in Common But Differentiated Responsibilities and Respective Capabilities from Rio 1992.
🎯 Concept Kit — tap to expand
| 🔗 Cross-Paper Links | ** GS3 (Environment, climate finance); GS2 (International institutions). ** |
| ✍️ Mains Keywords | ** Loss and damage, climate justice, CBDR-RC, adaptation finance, mitigation finance. ** |
| ⚠️ Common Mistake | ** Treating the Loss and Damage Fund as part of the Green Climate Fund or the Adaptation Fund; it is distinct. ** |
| 📌 Exam Tip | ** COP outcomes have appeared in UPSC Prelims for the last four years. ** |
| 🎤 Interview | ** Is a USD 700 million initial pledge a meaningful climate justice instrument or a symbolic one? |
Question 11 of 15
Cross-border trade of electricity between India and its neighbours is governed by:
FACT: Cross-border trade of electricity is governed by the Guidelines for Cross Border Trade of Electricity, 2018, issued by the Ministry of Power, and the CERC (Cross Border Trade of Electricity) Regulations, 2019. ANALYSIS: The framework enables Nepal, Bhutan and Bangladesh to participate in India’s electricity markets and permits trilateral flows such as the Nepal-India-Bangladesh arrangement that allowed Nepal to export up to 40 MW to Bangladesh via the Dhalkebar-Muzaffarpur transmission line from November 2024.
📝 Concept Note
The Dhalkebar-Muzaffarpur 400 kV transmission line, commissioned in 2016, is the principal India-Nepal power link. Nepal exported about 3,880 GWh of electricity in FY 2025-26, a rise of about 63 per cent over the previous year, earning NPR 29.32 billion from exports to India and Bangladesh together.
India has committed to facilitating 10,000 MW of imports from Nepal over the next decade. The Bangladesh, Bhutan, India, Nepal (BBIN) grouping was formalised in 2015 to promote sub-regional cooperation.
An integrated electricity market among the four BBIN countries could save around USD 17 billion in capital costs, according to available studies.
India has committed to facilitating 10,000 MW of imports from Nepal over the next decade. The Bangladesh, Bhutan, India, Nepal (BBIN) grouping was formalised in 2015 to promote sub-regional cooperation.
An integrated electricity market among the four BBIN countries could save around USD 17 billion in capital costs, according to available studies.
🎯 Concept Kit — tap to expand
| 🔗 Cross-Paper Links | ** GS2 (International relations, neighbourhood); GS3 (Energy). ** |
| ✍️ Mains Keywords | ** BBIN, cross-border transmission, seasonal complementarity, land-linked economy. ** |
| ⚠️ Common Mistake | ** Confusing the BBIN Motor Vehicles Agreement with the BBIN electricity framework. ** |
| 📌 Exam Tip | ** UPSC has asked on India-Nepal hydropower cooperation and BBIN in recent papers. ** |
| 🎤 Interview | ** Should India be Nepal''s only electricity market, or its most reliable gateway to a wider regional market? |
Question 12 of 15
Under the Copyright Act, 1957, the general term of copyright in a literary, dramatic, musical or artistic work is:
FACT: Section 22 of the Copyright Act, 1957 provides that copyright in a literary, dramatic, musical or artistic work subsists during the lifetime of the author and until 60 years from the beginning of the calendar year next following the year in which the author dies. ANALYSIS: For anonymous, pseudonymous, cinematograph, sound recording and government works, the term is 60 years from publication.
📝 Concept Note
India joined the Berne Convention for the Protection of Literary and Artistic Works in 1928 and is also a party to the TRIPS Agreement, 1994, and the WIPO Copyright Treaty. Section 52 of the Copyright Act contains the fair-dealing exceptions, including for research, private study, criticism, review, reporting current events and educational use.
Recent Indian litigation on AI training on copyrighted texts includes ANI vs OpenAI and Federation of Indian Publishers vs OpenAI, both filed in the Delhi High Court. In the US, Bartz v. Anthropic (2025, N.D. Cal., Judge William Alsup) ruled that training generative AI on lawfully acquired books is fair use.
Recent Indian litigation on AI training on copyrighted texts includes ANI vs OpenAI and Federation of Indian Publishers vs OpenAI, both filed in the Delhi High Court. In the US, Bartz v. Anthropic (2025, N.D. Cal., Judge William Alsup) ruled that training generative AI on lawfully acquired books is fair use.
🎯 Concept Kit — tap to expand
| 🔗 Cross-Paper Links | ** GS3 (Science and Technology, intellectual property). ** |
| ✍️ Mains Keywords | ** Fair dealing, Section 52, Berne Convention, transformative use, AI training. ** |
| ⚠️ Common Mistake | ** Applying the US "life plus 70" rule to India; India uses "life plus 60". ** |
| 📌 Exam Tip | ** Copyright and IPR facts recur in Prelims; the Berne Convention year is a standard question. ** |
| 🎤 Interview | ** Should Indian copyright law adopt a US-style transformative-use test for AI training? |
Question 13 of 15
The Insurance Regulatory and Development Authority of India (IRDAI) was established under:
FACT: IRDAI is a statutory body established under the Insurance Regulatory and Development Authority Act, 1999. It regulates and promotes the insurance and reinsurance industry in India and is headquartered at Hyderabad.
ANALYSIS: The IRDA Act was enacted following the Malhotra Committee (1994) recommendation to open the sector to private and foreign participation, ending the state monopoly held under the LIC Act, 1956 and the GIBNA, 1972.
ANALYSIS: The IRDA Act was enacted following the Malhotra Committee (1994) recommendation to open the sector to private and foreign participation, ending the state monopoly held under the LIC Act, 1956 and the GIBNA, 1972.
📝 Concept Note
IRDAI has issued the Expenses of Management (EoM) Regulations, 2023, which cap the total expenses insurers can charge to policyholders at the company level, in place of the earlier product-wise cap on commissions. Individual agents account for approximately 51 per cent of individual new-business life-insurance premium in India; bancassurance accounts for about 33 per cent.
Life-insurance penetration in India is under 3 per cent of GDP. Life Insurance Corporation of India was listed on stock exchanges in May 2022. The Sabka Bima Sabki Raksha (Amendment of Insurance Laws) Act, 2025 was passed by Parliament on 17 December 2025 and commenced on 5 February 2026, raising the FDI cap in Indian insurance companies from 74 per cent to 100 per cent under the automatic route.
The composite licence sought by the industry was dropped from the final Bill and does not form part of the Act.
Life-insurance penetration in India is under 3 per cent of GDP. Life Insurance Corporation of India was listed on stock exchanges in May 2022. The Sabka Bima Sabki Raksha (Amendment of Insurance Laws) Act, 2025 was passed by Parliament on 17 December 2025 and commenced on 5 February 2026, raising the FDI cap in Indian insurance companies from 74 per cent to 100 per cent under the automatic route.
The composite licence sought by the industry was dropped from the final Bill and does not form part of the Act.
🎯 Concept Kit — tap to expand
| 🔗 Cross-Paper Links | ** GS2 (Statutory bodies); GS3 (Economy, financial sector). ** |
| ✍️ Mains Keywords | ** IRDA Act 1999, EoM Regulations, bancassurance, insurance penetration, Sabka Bima Sabki Raksha Act 2025. ** |
| ⚠️ Common Mistake | ** Treating IRDAI as an offshoot of the RBI; the two are independent statutory regulators. ** |
| 📌 Exam Tip | ** Malhotra Committee is a recurring Prelims fact. ** |
| 🎤 Interview | ** Is the individual insurance agent obsolete, or is bancassurance the bigger source of mis-selling? |
Question 14 of 15
The Institute of Rural Management, Anand (IRMA), founded in 1979, is most closely associated with which of the following?
FACT: IRMA was co-founded in 1979 by Ravi Matthai, Verghese Kurien and IIM Ahmedabad colleagues Kamla Chowdhry and Michael Halse, at Anand in Gujarat, the same town where Kurien had built Amul and the National Dairy Development Board. ANALYSIS: The institute was born of the recognition that rural India needed managers trained specifically for cooperatives, dairy federations and development organisations rather than for corporate boardrooms.
📝 Concept Note
Ravi Matthai (1927 to 1984) was the first full-time director of the Indian Institute of Management, Ahmedabad, from 1965 to 1972. He was recruited by Vikram Sarabhai.
In 1975, Matthai launched the Rural University in Jawaja, Rajasthan, an experiment in rebuilding rural craft economies. IIM Ahmedabad was founded in 1961 in collaboration with the Ford Foundation, Harvard Business School, the Government of India, the Government of Gujarat and Indian industry.
Verghese Kurien, the architect of Operation Flood, received the Ramon Magsaysay Award (1963), the Padma Vibhushan (1999) and the World Food Prize (1989). Amul is owned by the Gujarat Cooperative Milk Marketing Federation.
The NDDB was established at Anand in 1965.
In 1975, Matthai launched the Rural University in Jawaja, Rajasthan, an experiment in rebuilding rural craft economies. IIM Ahmedabad was founded in 1961 in collaboration with the Ford Foundation, Harvard Business School, the Government of India, the Government of Gujarat and Indian industry.
Verghese Kurien, the architect of Operation Flood, received the Ramon Magsaysay Award (1963), the Padma Vibhushan (1999) and the World Food Prize (1989). Amul is owned by the Gujarat Cooperative Milk Marketing Federation.
The NDDB was established at Anand in 1965.
🎯 Concept Kit — tap to expand
| 🔗 Cross-Paper Links | ** GS4 (Ethics, institution builders); GS2 (Governance, cooperative institutions); GS3 (Agriculture, White Revolution). ** |
| ✍️ Mains Keywords | ** Institution building, Operation Flood, cooperative model, rural management. ** |
| ⚠️ Common Mistake | ** Confusing IRMA (rural management) with IIM Ahmedabad (business management); the two are separate institutions. ** |
| 📌 Exam Tip | ** Post-Independence institution builders are a stable UPSC theme. ** |
| 🎤 Interview | ** What does the Jawaja experiment tell us about the relationship between management education and rural development? |
Question 15 of 15
Perimenopause and menopause policies were announced by which two states in August 2026?
FACT: Tamil Nadu announced a perimenopausal care policy in the State Assembly on 17 August 2026, and Karnataka announced Ruthu Thare, described as what would be India’s first dedicated women’s health policy with a strong focus on perimenopause and menopause, in Bengaluru on 4 August 2026. ANALYSIS: Both states channel screening, counselling and treatment through Primary Health Centres and higher centres, integrating menopausal health into routine government care rather than treating it as a private-provider service.
📝 Concept Note
Menopause is defined by the World Health Organization as 12 consecutive months of amenorrhoea, when the ovaries produce lower levels of oestrogen and progesterone. The perimenopausal transition can extend over several years and produce hot flashes, sleep disruption, mood changes, joint pain and fatigue.
The National Health Mission was launched in 2013, combining the National Rural Health Mission (2005) and the National Urban Health Mission (2013). India’s Reproductive, Maternal, Newborn, Child and Adolescent Health plus Nutrition strategy (RMNCAH plus N) has historically focused on the reproductive age group, and menopausal health has had limited coverage in the National Family Health Survey rounds.
The National Health Mission was launched in 2013, combining the National Rural Health Mission (2005) and the National Urban Health Mission (2013). India’s Reproductive, Maternal, Newborn, Child and Adolescent Health plus Nutrition strategy (RMNCAH plus N) has historically focused on the reproductive age group, and menopausal health has had limited coverage in the National Family Health Survey rounds.
🎯 Concept Kit — tap to expand
| 🔗 Cross-Paper Links | ** GS2 (Health, social sector policy); GS1 (Society). ** |
| ✍️ Mains Keywords | ** Women''s mid-life health, PHC-based screening, care gap, cooperative federalism in health. ** |
| ⚠️ Common Mistake | ** Attributing the policies to Kerala or Telangana, which are common assumptions but incorrect. ** |
| 📌 Exam Tip | ** State-level policy innovations in health have appeared in Mains regularly. ** |
| 🎤 Interview | ** Should menopause care be a Central scheme or a State subject? |
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