GS Paper 1: History, Geography & Society
Q1. The Rasuwa flood of August 2026 in Nepal was not a classic glacial lake outburst flood. Distinguish between a GLOF and a landslide-dam outburst flood, and suggest how early warning for cascading Himalayan hazards can be improved.
[GS-1 | 15 Marks | 250 Words]
Introduction: On August 26, 2026 a slab of rock and ice fell from high on Langtang Lirung in Nepal’s Rasuwa district, and a debris-laden surge ran down the Bhote Koshi and Trishuli within hours. Regional scientists did not classify it as a glacial lake outburst flood (GLOF); it belongs to a family of cascading hazards that give almost no warning.
GLOF versus LDOF
- GLOF: a pre-existing lake held by moraine or ice bursts. The lake can be mapped, measured and monitored for years (South Lhonak, Sikkim, 2023).
- Landslide-dam outburst flood (LDOF): a rockfall, landslide or ice avalanche blocks a channel, a lake forms behind the debris and fails, sometimes within hours or days.
- Ice-rock avalanche floods can occur with no lake at all, as at Chamoli in February 2021.
- The distinction matters because lake inventories, the backbone of GLOF monitoring, cannot see an LDOF coming.
Why the Himalaya Is Primed
- Warming thaws permafrost that binds steep rock walls, and glaciers thin and destabilise slopes.
- Young, fractured mountains with steep valleys concentrate runoff.
- Hydropower, roads and settlements sit in the very valleys floods travel down.
Improving Early Warning
- Watch the slopes, not only the lakes: satellite interferometry and seismic networks to detect slope movement; the Rasuwa collapse registered as a seismic signal.
- Sensors and sirens along valleys that trigger on sudden rises in water level, linked to hydropower operators and villages downstream.
- Transboundary data sharing: the source areas often lie in Tibet or Nepal; India-China and India-Nepal hydrological data arrangements need to cover these events.
- Risk-based siting: hazard zoning before approving tunnels and dams, as the Kedarnath (2013) and Chamoli (2021) experiences taught.
- Community preparedness: drills and evacuation routes in the first thirty minutes that matter.
Conclusion: Himalayan hazards are becoming cascades rather than single events. India’s warning systems must move from watching known lakes to watching unstable mountains, across borders.
Key concepts: GLOF; LDOF; permafrost; cascading hazards; NDMA; ICIMOD; transboundary data.
Q2. Census 2027 will enumerate caste for the first time since 1931. Discuss the case for caste enumeration and the safeguards needed so that the data informs policy without hardening identities.
[GS-1 | 15 Marks | 250 Words]
Introduction: Census 2027, India’s first digital census, began its houselisting phase in August 2026, with self-enumeration opening first in Assam. It will count caste for the first time since the 1931 census, reopening an old debate about whether counting caste helps end its disadvantages or entrenches them.
The Case for Enumeration
- Evidence for policy: reservation, welfare targeting and sub-classification decisions rest on data last collected in 1931.
- Judicial demand for data: courts have repeatedly asked for quantifiable data to justify reservation and its extent.
- Visibility of the most marginal: sub-castes within broad categories remain invisible in aggregate figures.
- The SECC 2011 caste data was never fully published, leaving a gap that State surveys (such as Bihar’s) only partly filled.
The Risks
- Politicisation: numbers can drive competitive mobilisation and demands to breach the 50 per cent ceiling of Indra Sawhney (1992).
- Classification problems: thousands of names, spellings and synonyms make coding difficult.
- Incentive to misreport if categories are tied to benefits.
Safeguards
- A pre-published, standardised list of castes and synonyms, with a clear coding protocol.
- Self-declaration with privacy protections; census records are confidential under the Census Act, 1948 and cannot be used as evidence.
- Independent expert oversight of classification and release.
- Publication with context: socio-economic indicators alongside caste, so that policy follows deprivation, not headcount alone.
- Sunset reviews of benefits tied to the data.
Conclusion: Counting caste is a means, not an end. Done carefully, it can turn assertions into evidence; done carelessly, it can turn evidence into ammunition.
Key concepts: Census Act, 1948; SECC 2011; Indra Sawhney; sub-classification; evidence-based policy.
Q3. “The most consequential phase of the Quit India Movement was the one its leaders did not direct.” Discuss.
[GS-1 | 15 Marks | 250 Words]
Introduction: The AICC adopted the Quit India resolution at Gowalia Tank Maidan, Bombay, on August 8, 1942, with Gandhi’s call to “Do or Die”. Before dawn on August 9 the entire leadership was arrested. What followed, the 84th anniversary of which fell in August 2026, was a movement run largely by students, peasants, workers and underground networks.
The Leaderless Phase
- Mass upsurge: attacks on symbols of authority such as railways, telegraph lines and police stations, especially in Bihar, eastern UP, Bengal and Maharashtra.
- Underground networks: Aruna Asaf Ali hoisted the flag at Gowalia Tank; Jayaprakash Narayan and Ram Manohar Lohia organised resistance; Usha Mehta ran the clandestine Congress Radio.
- Parallel governments: Ballia (Chittu Pandey), Tamluk in Midnapore, and the Satara Prati Sarkar under Nana Patil, which lasted from 1943 to 1946.
- Sacrifice: the Patna Secretariat firing of August 11, 1942 killed seven students.
Why It Was Consequential
- It showed the Raj that nationalism had spread beyond the Congress organisation to villages and youth.
- Repression required the army on a large scale during a world war, raising the cost of rule.
- It prepared the ground for the rapid transfer of power after 1945.
The Other View
- The leadership’s resolution and Gandhi’s call gave the movement its legitimacy and language.
- The Congress organisation rebuilt quickly after the leaders’ release.
- Historians such as Francis Hutchins stressed spontaneity; others stress continued Congress direction.
Conclusion: The resolution lit the fuse, but the people carried the fire. Quit India’s lasting lesson is that a mass movement becomes irreversible when it no longer needs its leaders to survive.
Key concepts: Quit India; parallel governments; Congress Radio; spontaneity; mass nationalism.
GS Paper 2: Polity, Governance & International Relations
Q4. Several important Bills in the Monsoon Session of 2026, including one raising the strength of the Supreme Court, were passed with little or no debate. Examine the implications of declining legislative scrutiny and suggest reforms.
[GS-2 | 15 Marks | 250 Words]
Introduction: In August 2026 the Lok Sabha passed the Supreme Court (Number of Judges) Amendment Bill in under ten minutes, and the taxation and tribunals Bills also went through the House without debate amid disruption. Laws that change institutions were made without the deliberation that gives law its legitimacy.
Why Scrutiny Matters
- Quality of law: debate and committee examination catch drafting errors and unintended effects; the tribunal laws struck down repeatedly in the Madras Bar Association cases show the cost of weak drafting.
- Legitimacy: a law that the Opposition never debated is easier to challenge and harder to implement.
- Accountability: questions in the House are how the executive answers for its choices.
The Trend
- Referral of Bills to Departmentally Related Standing Committees (created in 1993) is discretionary, and PRS data show the share of Bills referred has fallen sharply across recent Lok Sabhas.
- Sittings per year have declined, while disruptions have grown.
- Ordinances are used to take effect first and seek approval later, as with the Supreme Court strength ordinance of May 2026.
Consequences
- More litigation and more judicial correction of statutes.
- Weakening of Parliament’s role as a deliberative body, shifting debate to courts and media.
Reforms
- Mandatory committee referral for Bills above a threshold of significance, with time limits.
- A minimum number of sitting days and a fixed parliamentary calendar.
- Pre-legislative consultation under the 2014 policy, followed in practice.
- Opposition days and protected time for debate on important Bills.
- Rules to discourage passage amid disorder, such as deferring voting on major Bills.
Conclusion: Speed is not efficiency if the law has to be fixed later. A Parliament that deliberates less governs less well.
Key concepts: legislative scrutiny; DRSCs; ordinances; pre-legislative consultation; parliamentary accountability.
Q5. The MMDR Amendment Act, 2026 limits the power of States to levy taxes on mineral rights, following the Supreme Court’s 2024 verdict in Mineral Area Development Authority v. SAIL. Critically examine the implications for fiscal federalism.
[GS-2 | 15 Marks | 250 Words]
Introduction: In July 2024 a nine-judge Bench held, 8:1, that royalty is not a tax and that States can tax mineral rights and mineral-bearing land under Entries 50 and 49 of the State List. In August 2026 Parliament inserted Section 9D in the MMDR Act, barring fresh State levies on mineral rights except within conditions the Centre prescribes.
The Constitutional Scheme
- Entry 50, List II: taxes on mineral rights, subject to limits imposed by Parliament by law relating to mineral development.
- Entry 54, List I: Union regulation of mines and mineral development, to the extent Parliament declares expedient.
- Section 9D uses exactly this constitutional route; its validity is therefore strong, but its wisdom is debated.
The Centre’s Case
- Uniformity: a patchwork of State levies raises costs and deters investment, especially in critical minerals.
- Price competitiveness of minerals that feed steel, power and manufacturing.
- Avoiding double taxation alongside royalty and District Mineral Foundation contributions.
The States’ Case
- Fiscal autonomy: mineral-rich States such as Odisha, Jharkhand and Chhattisgarh have limited revenue bases and bear the environmental and social costs of mining.
- The resource curse: rich ground, poor people; mining districts remain among the poorest.
- Narrowing of the tax base after GST already pooled indirect taxes.
A Balanced Path
- Consultation with States through an inter-State mechanism before prescribing conditions.
- Compensation or revenue sharing for foregone taxes, possibly through Finance Commission devolution.
- Strengthening District Mineral Foundations so that mining regions benefit directly.
- Transparent, rule-based conditions rather than case-by-case approvals.
Conclusion: Section 9D is constitutional; whether it is cooperative federalism depends on how the Centre uses the power it has reclaimed.
Key concepts: MADA v. SAIL; Entries 49, 50 (List II) and 54 (List I); fiscal federalism; resource curse; DMF.
Q6. The 25th round of India-China Special Representatives talks in August 2026 produced an eight-point consensus but no boundary settlement. Examine the approach of managing the border without settling it.
[GS-2 | 15 Marks | 250 Words]
Introduction: On August 25, 2026, NSA Ajit Doval and Foreign Minister Wang Yi held the 25th round of Special Representatives talks in Beijing. The outcome added meeting points for border commanders, new hotlines in the Eastern and Middle Sectors and the reopening of three trading points, and set the next round in India in 2027. It did not touch the boundary itself.
The Management Approach
- Layered mechanisms: the SR talks (2003) at the political level, the WMCC (2012) at the official level, and military commanders’ talks on the ground.
- Confidence-building agreements: 1993, 1996, the 2005 protocol and the 2013 Border Defence Cooperation Agreement.
- Functional cooperation: border trade through Nathu La and Shipki La reopened in August 2026; pilgrimages and trans-border river data sharing are being restored.
Why Management Has Value
- It reduces the risk of accidental clashes of the kind seen at Galwan in June 2020, where 20 Indian soldiers were killed.
- It allows economic and diplomatic engagement, including at the SCO and BRICS, to continue.
- It buys time for India to build border infrastructure and capabilities.
Its Limits
- Without delineation, each side patrols to its own perception of the LAC, and friction recurs.
- Confidence-building measures failed in 2020 when one side chose to disregard them.
- Asymmetry in infrastructure and power tilts “management” in China’s favour.
- Water security, including the large dam on the Yarlung Tsangpo, lies outside these arrangements.
The Way Ahead
- Insist on restoring pre-2020 patrolling and de-escalation, not just disengagement.
- Pursue clarification of the LAC in sectors where differences are narrow.
- Continue infrastructure through the Vibrant Villages Programme and border roads.
- Seek a binding framework on trans-border rivers.
Conclusion: Managing the border is necessary but not sufficient. India’s position is that Aksai Chin and Arunachal Pradesh are integral parts of India; stability without settlement must not become acceptance of a changed status quo.
Key concepts: SR mechanism; WMCC; CBMs; LAC; Galwan; trans-border rivers.
Q7. The Makkah Joint Defence Agreement between Saudi Arabia, Turkiye and Pakistan signed in August 2026 commits each to treat an attack on one as an attack on all. Examine its implications for India and suggest how India should respond.
[GS-2 | 15 Marks | 250 Words]
Introduction: On August 7, 2026 Saudi Arabia, Turkiye and Pakistan signed the Makkah Joint Defence Agreement, building on the Saudi-Pakistan mutual defence agreement of 2025. A week earlier Saudi Arabia had launched a 14-member Red Sea maritime coalition that included Pakistan and Bangladesh but not India.
Why It Matters to India
- Pakistan’s strategic depth: a formal defence link with the Gulf’s richest state and a NATO member could embolden Pakistan in a crisis.
- Turkiye’s alignment: Turkiye criticised India after the 2019 changes in Jammu and Kashmir and during Operation Sindoor in 2025.
- Gulf equities: Saudi Arabia is a major energy supplier and home to a large Indian diaspora; India’s ties there are among its most successful.
- Maritime space: a Saudi-led coalition in the Red Sea and Gulf of Aden overlaps with India’s own sea lanes.
Reasons Not to Overreact
- The full text is unpublished and the scope of obligations is unclear.
- Saudi Arabia’s motives are about Iran and regional hedging after the 2026 war, not India.
- Turkiye says the pact does not conflict with its NATO commitments; NATO is not a party.
- Saudi Arabia has kept deep economic and energy ties with India.
India’s Response
- Deepen bilateral ties with Saudi Arabia and the UAE: investment, energy, defence cooperation and the IMEC corridor.
- Seek clarity through diplomatic channels on how the pact treats India-Pakistan contingencies.
- Strengthen partnerships with Greece, Cyprus, Armenia and others that balance Turkiye.
- Maritime presence: continue independent deployments and information sharing through the IFC-IOR.
- Avoid binary choices: India’s strength in West Asia is its ability to work with all sides.
Conclusion: The pact is a hedge by its members, not an alliance against India. India’s best answer is to remain indispensable to the Gulf rather than to treat it as a rival camp.
Key concepts: collective defence; hedging; Gulf diplomacy; IMEC; strategic autonomy.
GS Paper 3: Economy, Environment, Science & Security
Q8. As UPI completed ten years in August 2026, the question of who pays for it came to the fore. Examine the arguments for and against a merchant discount rate on UPI.
[GS-3 | 15 Marks | 250 Words]
Introduction: UPI grew from about 1.78 crore transactions in FY 2016-17 to over 24,162 crore in FY 2025-26. Since January 2020, Section 10A of the Payment and Settlement Systems Act, 2007 has barred charges on UPI and RuPay debit payments. In August 2026 Parliament passed a Bill giving the Centre an enabling power over this zero-MDR rule.
The Case for an MDR
- Sustainability: banks and payment apps bear the cost of infrastructure, fraud control and uptime; subsidies from the budget are uncertain.
- Investment incentive: without revenue, providers underinvest in security and innovation.
- Market concentration: zero pricing favours the largest apps, which can cross-subsidise, and deters new entrants.
- Large merchants can pay: a small charge on big merchants would not hurt small traders or consumers.
The Case Against
- Digital inclusion: small merchants and first-time users came to UPI because it was free; a charge may push them back to cash.
- Public good logic: UPI is digital public infrastructure whose gains accrue to the whole economy, in formalisation, tax compliance and lower cash-handling costs.
- Pass-through: merchants may pass charges to consumers.
- Cash is costly too: the RBI and the government already save on printing and handling currency.
A Middle Path
- Exempt small merchants and low-value payments; consider a capped, transparent charge only for large merchants.
- A stable, rule-based incentive scheme rather than year-to-year subsidies.
- Fund security and fraud prevention as a shared utility through NPCI.
- Keep Jan Dhan-linked and government payments free.
Conclusion: UPI’s success came from being free and universal. Any pricing must protect that universality while ensuring the rails remain safe and funded.
Key concepts: MDR; Section 10A PSS Act; NPCI; digital public infrastructure; financial inclusion.
Q9. A NITI Aayog report estimates that 8.7 crore Indians aged 15 to 29 are not in education, employment or training. Why is the NEET measure important, and what should be done to close the gap between skilling and employment?
[GS-3 | 15 Marks | 250 Words]
Introduction: NITI Aayog’s “Reimagining Skilling for Viksit Bharat@2047” (August 2026), drawing on NSS 78th Round data, puts 8.7 crore young people outside education, employment and training, and finds only about 8.25 per cent of graduates in jobs aligned with their qualification.
Why NEET Matters
- The unemployment rate counts only those seeking work; NEET also captures the discouraged and those outside the labour force, especially young women.
- It measures the wasted part of the demographic dividend directly.
- High NEET with low unemployment signals a mismatch, not full employment.
Causes of the Gap
- Supply-driven skilling: courses chosen for ease of certification rather than employer demand.
- Weak vocational exposure in schools, far below NEP 2020’s goal.
- Credential inflation: degrees without skills; graduates in unrelated jobs.
- Women’s barriers: care work, safety and mobility constraints.
- Slow growth of labour-intensive manufacturing.
What Should Be Done
- Outcome-linked funding: pay training providers for placement and wage retention, not certification.
- Apprenticeships at scale with industry, including MSME clusters.
- Vocational education in schools with credit transfer under the National Credit Framework.
- Care infrastructure (creches, eldercare) to free women’s time, as NITI’s caregiving report also urges.
- Labour-intensive sectors: textiles, food processing, tourism and construction.
- Better data: regular, current estimates of NEET from PLFS.
Conclusion: India does not lack trained people so much as it lacks a system that connects training to work. Closing that link is the difference between a dividend and a burden.
Key concepts: NEET; demographic dividend; skills mismatch; apprenticeships; NEP 2020; female labour participation.
Q10. The rise in sugar prices in August 2026 revived the debate on diverting sugarcane to ethanol. Examine the food-versus-fuel trade-off in India’s ethanol programme.
[GS-3 | 15 Marks | 250 Words]
Introduction: In August 2026 retail sugar prices rose after a shortfall in cane output; the Centre allowed duty-free import of up to 1 million tonnes of raw sugar and tightened stock limits, while rejecting the claim that ethanol diversion caused the rise. India had reached 20 per cent ethanol blending in petrol in 2025, ahead of schedule.
Gains from Ethanol
- Lower oil imports and foreign exchange savings; India imports most of its crude.
- Farm incomes: a steady outlet for surplus cane and grain, and faster payment of cane dues.
- Emissions: lower tailpipe carbon than petrol.
The Food-Fuel Tension
- Diversion in a bad year: when output falls, fixed diversion targets squeeze the food market and prices.
- Water: sugarcane is highly water-intensive; ethanol from cane effectively exports scarce groundwater.
- Grain-based ethanol competes with food and feed.
- Policy rigidity: blending targets set years ahead do not adjust to harvest shocks.
Other Causes of the Price Rise
- Crop damage from excess rain and pests, festive demand and hoarding matter too; ethanol is one factor among several.
A Balanced Framework
- Flexible diversion linked to the sugar balance sheet each season, with food security taking priority.
- Diversify feedstocks: second-generation ethanol from agricultural residue, reducing both stubble burning and food competition.
- Water-smart cane: drip irrigation and shifting cane away from water-stressed areas.
- Transparent pricing: a predictable framework for the fair and remunerative price, ethanol procurement prices and the sugar minimum selling price.
- Buffer stocks and timely imports for price shocks.
Conclusion: Ethanol can serve energy security without undermining food security, but only if the fuel tank yields to the kitchen in a bad year.
Key concepts: E20; food versus fuel; FRP; 2G ethanol; water footprint; buffer stocks.
Q11. Supreme Court orders in August 2026 on mining buffers, elephant corridors and the polluter pays principle show the judiciary’s continuing role in environmental governance. Discuss the strengths and limits of this role.
[GS-3 | 15 Marks | 250 Words]
Introduction: In August 2026 the Supreme Court applied a 10-km mining restriction around the Asan wetland across contiguous Himalayan terrain, ordered a fresh national survey of elephant corridors, held that fear of crop damage cannot justify blocking wildlife movement, and set aside an NGT penalty because damage had not been shown to be caused by the party held liable.
Strengths of the Judicial Role
- Filling executive gaps: where eco-sensitive zones under the Environment (Protection) Act, 1986 remain un-notified, a uniform buffer is better than none.
- Continuing mandamus: the Godavarman case (1995) lets the Court monitor compliance over decades.
- Constitutional anchoring: Article 21 (right to a healthy environment), Article 48A and Article 51A(g).
- Principled limits: the Yamuna ruling shows that the polluter pays principle needs proof of causation, which protects fairness.
Limits
- Blunt instruments: a uniform radius ignores hydrology, terrain and the type of mining; it can push extraction into illegal channels.
- Institutional capacity: courts cannot survey, monitor or enforce on the ground.
- Democratic legitimacy: policy choices with livelihood and revenue consequences are better made by accountable executives.
- Uneven follow-through: orders are often implemented slowly or partially.
Making It Work
- Executive precision: time-bound, science-based notification of eco-sensitive zones and corridors, so judicial buffers become unnecessary.
- Strengthen statutory bodies: the NBWL Standing Committee, State wildlife boards and the NGT.
- Community participation: conservation and community reserves, forest rights and local monitoring.
- Data and transparency: public dashboards on clearances and compliance.
Conclusion: The remedy for blunt judicial buffers is sharper executive action, not judicial retreat. Courts can set floors; governments must build the house.
Key concepts: continuing mandamus; eco-sensitive zones; polluter pays; Article 21; judicial activism; NBWL.
Q12. The defence export reforms and indigenisation measures of August 2026 aim to make India a supplier rather than a buyer of arms. Critically examine India’s progress and constraints.
[GS-3 | 15 Marks | 250 Words]
Introduction: In August 2026 the Department of Defence Production extended the Open General Export Licence from 41 countries to all countries except sanctioned or sensitive destinations, and raised its validity from two to three years. Defence exports reached a record Rs 38,424 crore in FY 2025-26. The same month saw DRDO’s conventional missile technologies cleared for transfer to industry and a sixth Positive Indigenisation List of 405 items.
Progress
- Exports: a steady rise, with Indian firms selling to more than 80 countries.
- Indigenisation: Positive Indigenisation Lists bar imports of listed items after set dates; the SRIJAN portal opens components to domestic firms.
- Private sector entry: contracts for loitering munitions with Tata Advanced Systems and NIBE; the fully indigenised AK-203 “Sher”.
- Technology transfer: DRDO technologies for all conventional missiles now available to industry.
Constraints
- Engines and key subsystems: India still imports combat jet engines; the Reliance and Rolls-Royce plan for an AMCA engine is only a statement of intent.
- Dependence on imports for sensors, electronics and materials inside “indigenous” platforms.
- R&D spending remains low, and industry-academia links are weak.
- Export credibility: after-sales support, financing and timely delivery lag established suppliers.
- Export controls: India must remain within its commitments to the MTCR, Wassenaar and Australia Group.
Way Forward
- Invest in engines, semiconductors and materials as national missions.
- Export financing through lines of credit and a dedicated agency.
- Stable, predictable procurement to give firms scale.
- Joint development with trusted partners, with technology transfer.
Conclusion: India has moved from buying platforms to making many of them. The next step, mastering the technologies inside them, will decide whether it becomes a true defence industrial power.
Key concepts: OGEL; Positive Indigenisation Lists; DAP 2020; technology transfer; export controls; Atmanirbharta.
GS Paper 4: Ethics, Integrity & Aptitude (Case Studies)
Q13. You are the Superintendent of Police of a large city district. You have been directed to conduct a drive to identify foreign nationals living without authorisation. In the first round, a large number of migrant workers are held for verification, but only a few are found to be foreign nationals. Civil liberties groups allege wrongful detention and harassment.
(a) Identify the ethical issues involved. (b) How would you conduct the drive going forward?
[GS-4 | 20 Marks | 250 Words]
Context: In August 2026 an identity-verification drive in Bengaluru held a large number of migrant workers for checks and confirmed only a small number as foreign nationals. The law on foreigners now rests on the Immigration and Foreigners Act, 2025, while Aadhaar, under Section 9 of the Aadhaar Act, is not proof of citizenship.
(a) Ethical Issues
- Legality and duty: enforcing immigration law is a legitimate public duty.
- Dignity and liberty: holding many genuine citizens to find a few offenders imposes real costs on the innocent (Article 21).
- Non-discrimination: language, accent or regional origin must not become grounds for suspicion.
- Proportionality: the intrusion must be justified by the result and conducted by the least harmful means.
- Public trust: communities that fear the police will not cooperate with them.
(b) Conduct of the Drive
- Intelligence-led targeting rather than blanket sweeps of labour settlements.
- Time-bound verification: check documents on the spot where possible; release anyone whose identity is established without delay.
- Trained teams who recognise valid Indian documents from other States and languages.
- Documentation: record every detention with reasons and duration; allow contact with family or employers.
- Oversight: a senior officer to review detentions daily; a grievance helpline; cooperation with legal aid.
- Dignity: separate arrangements for women and children, no public shaming.
- Due process for those confirmed: routing to the FRRO under the law, with consular access.
- Transparency: publish figures on detentions, confirmations and releases.
Ethical Anchor: The legitimacy of enforcement lies as much in how it is done as in what it achieves; a state that respects the innocent enforces the law more credibly on the guilty.
Key concepts: proportionality; due process; dignity; non-discrimination; public trust; rule of law.
Q14. You head the recovery department of a bank. Your team has aggressive monthly recovery targets, and you learn that some recovery agents have been calling borrowers late at night and contacting their relatives and employers. New RBI rules on recovery conduct are due to take effect. Your superiors want targets met this quarter.
(a) Identify the stakeholders and the values in conflict. (b) What would you do?
[GS-4 | 20 Marks | 250 Words]
Context: In August 2026 the RBI issued a single framework for loan recovery across regulated entities, effective January 1, 2027: visits only between 8 a.m. and 7 p.m., notice before the first visit, a ban on threats, public humiliation and contacting relatives or colleagues to shame borrowers, and board-approved recovery policies with compensation for borrowers harmed by non-compliant recovery.
(a) Stakeholders and Values
- Stakeholders: borrowers and their families, the bank and its depositors, recovery agents, senior management, the regulator.
- Values in conflict: financial prudence and the duty to recover public money versus the dignity and privacy of borrowers; loyalty to superiors versus integrity; short-term targets versus long-term reputation and compliance.
(b) Course of Action
- Stop the abuse immediately: instruct agencies that late-night calls and contacting relatives or employers must end now, not only when the rules take effect.
- Inquire and act: identify the agents involved, issue warnings or terminate agency contracts where needed.
- Redesign incentives: targets should not reward harsh tactics; include quality and complaint metrics.
- Early engagement: restructuring options for borrowers in genuine distress; financial counselling.
- Train agents in the new conduct rules and certify them.
- Inform superiors honestly: explain the legal, reputational and ethical risks; propose a realistic recovery plan.
- Grievance redress: a helpline and quick compensation for borrowers wronged.
Ethical Anchor: A debt is owed, but dignity is not forfeited. Recovery that respects the borrower is also more sustainable for the bank.
Key concepts: dignity; privacy; conflict of interest; organisational ethics; responsible lending; integrity.
Essay
Q15. “The quality of a democracy lies in how it makes its laws, not in how many it makes.”
[Essay | 125 Marks | 1000-1200 Words]
Suggested outline for an essay grounded in August 2026 developments:
Hook and Thesis: Open with August 2026: a Bill raising the Supreme Court’s strength passed the Lok Sabha in under ten minutes, while a law creating the Mediation Council of India waited three years for the Council itself to be notified. Parliament passed many laws that month; few were debated. Thesis: democracy is measured by the process of law-making, deliberation, consultation and implementation, not by legislative output.
Conceptual Frame:
- Law as the voice of the people, which requires that the people’s representatives actually speak.
- Deliberative democracy: legitimacy through reasoned debate.
- Law-making as a cycle: consultation, drafting, debate, scrutiny, implementation, review.
Illustrations:
(a) Parliament: the decline in committee referrals and sitting days; Bills passed amid disruption.
(b) Federalism: the Keralam change followed the Article 3 procedure of consulting the State, while the mining-tax change reopened States’ concerns about fiscal autonomy.
(c) Tribunals: repeated laws struck down in the Madras Bar Association cases show the cost of haste.
(d) Implementation: laws without rules, bodies without members; the three-year wait for the Mediation Council.
(e) Citizens: laws on data, labour and welfare affect millions who were never consulted.
Historical Anchoring:
- The Constituent Assembly’s nearly three years of debate as a model of deliberation.
- The committee system introduced in 1993 to deepen scrutiny.
Counter-arguments:
- Governments must act quickly in crises; ordinances exist for that reason.
- Obstruction by the Opposition can make debate impossible.
- Some laws are technical and need little debate.
Synthesis: Speed and deliberation are not opposites; a Parliament that meets more, plans its calendar and uses committees can be both efficient and deliberative. Urgency justifies speed only when followed by review.
Conclusion: Return to the ten-minute Bill. The judges it added will hear cases for years; the law that added them was heard for minutes. A democracy earns trust not by the length of its statute book but by the care with which each law is written, debated and carried out.