National Policy for Women, Objectives, Priority Area, Implementation

National Policy for Women

The National Policy for Women was introduced by the Ministry of Women and Child Development under the Government of India in May 2016, but has not yet been adopted officially. The NPW Policy aims to address issues in gender equality and promote women empowerment by removing long-standing social, economic, and legal barriers faced by women, while ensuring equality and empowerment across all age groups. The policy addresses the issues from health and education to employment, digital inclusion, and protection from violence.

National Policy for Women

The National Policy for Women is an updated policy framework of the earlier National Policy for Empowerment of Women (2001) by including emerging issues such as cyber safety, skill development, financial inclusion, climate vulnerability, and targeted support for widows, single women, migrant women, and women in conflict-affected regions. It is crucially aligned with the Constitution, Sustainable Development Goals (SDGs), and national priorities to promote social justice, dignity, and equal opportunities.

National Policy for Women Objectives

The National Policy for Women aims to strengthen social, economic, and political empowerment. It aims to focus on:

  • Providing stronger legal protection, equal access to resources, and gender-responsive governance.
  • Expanding economic opportunities through skills, technology, and entrepreneurship development.
  • Improving the access to quality healthcare, nutrition, and reproductive rights.
  • Ensure equal access to property, financial services, and digital resources.
  • Promote leadership roles for women in governance, institutions, and workforce.

National Policy for Women Priority Area

The major area of priority for the National Policy for Women include mostly related to the challenges faced by the women in India.including improvement of health, access to education, strengthening safety measures and legal supports, promoting skill development, and supporting employment generation, etc. Major Priority Areas are::

  1. Health, Food Security, Nutrition, and reproductive rights
  2. Education, skill development, and digital literacy
  3. Economic empowerment and access to financial resources
  4. Participation in governance and political decision-making
  5. Safety, security, and gender-based violence prevention
  6. Strengthening legal and institutional frameworks
  7. Housing, sanitation, drinking water, and basic services
  8. Enabling a clean environment and tackling issues related to climate change.

National Policy for Women Implementation

The implementation of National Policy for Women is managed through a combined approach of Central Ministries, State Governments, District Authorities, and Institutions. The policy coordinates with the schemes and policies such as Beti Bachao Beti Padhao, Poshan Abhiyaan, Mahila Police Volunteers, Ujjawala Scheme (for violence survivors), and Digital India initiatives. Institutions like NCRB and NFHS provide indicators for measuring and tracking the progress. Partnerships with NGOs, private sector, panchayats, and academic institutions are also key to successful implementation.

National Policy for Women Challenges

A number of structural and emerging challenges affect the success of National Policy for Women:

  1. Low Workforce Participation: Female Labour Force Participation Rate (LFPR) remains low at 41.7% in 2023-24 (PLFS) despite improvement from previous years. Social norms, unpaid care work, and lack of childcare facilities restrict women’s workforce entry and progression.
  2. High Gender-Based Violence: According to NCRB Crime in India 2023, more than 4.48 lakh cases of crimes against women were recorded, with domestic violence, harassment, and sexual assault forming major categories. While under-reporting of the cases remains a severe challenge.
  3. Health and Nutrition Gaps: The NFHS-5 (2019-21) shows high levels of anemia among women (57% in Age 15-49) indicating persistent health inequalities. Access to reproductive healthcare is uneven across states.
  4. Digital and Financial Divide: The National Family Health Survey and India Internet Report 2023 indicate that only one-third of women in rural India use mobile internet. This digital divide restricts access to online services, banking, and learning platforms.
  5. Education and Skill Barriers: Higher education enrolment for women has improved to 49% (AISHE 2023), but women still dominate low-paying fields and face barriers in STEM, technical training, and leadership roles. Skill gaps limit upward economic mobility.

National Policy for Women UPSC

However the Policy was framed in 2016 but has not been officially adopted. The National Policy for Women plays a crucial role in shaping India’s long-term gender development strategy by addressing health, education, safety, economic empowerment, and digital inclusion. Despite improvements, recent national data shows significant gaps: a 41.7% LFPR, 57% anemia rate, 4.48 lakh crime cases, and a persistent digital divide. By strengthening gender budgeting, monitoring, skilling, and institutional support mechanisms, the policy can accelerate progress toward equality. With targeted investments and coordinated implementation, the National Policy for Women is expected to improve women’s participation, safety, and social well-being significantly.

National Policy for Women FAQs

Q1: What is the National Policy for Women?

Ans: The National Policy for Women is a government framework that focuses on improving women’s health, education, safety, and economic empowerment across India.

Q2: What are the key objectives of the National Policy for Women?

Ans: The key objectives of the National Policy for Women include gender equality, better access to resources, stronger legal protection, and increased participation in the workforce.

Q3: Which areas does the National Policy for Women prioritize?

Ans: The National Policy for Women prioritizes health, nutrition, education, digital inclusion, safety, financial access, and support for vulnerable groups.

Q4: How is the National Policy for Women implemented?

Ans: The National Policy for Women is implemented through coordinated efforts of central ministries, state governments, gender budgeting, and data-based monitoring systems.

Q5: Why is the National Policy for Women important today?

Ans: The National Policy for Women is important because data shows persistent issues such as low labour force participation, high violence rates, and health gaps among women.

DPDP Act 2023, DPDP Rules 2025, Objectives, Provisions

DPDP Act 2023

The Government of India notified the Digital Personal Data Protection (DPDP) Rules, 2025 on 14 November 2025, completing the full operationalisation of the DPDP Act 2023. Together, the Act and the Rules establish a clear, citizen-centric framework for the responsible handling of digital personal data. They balance the protection of individual rights with the need for lawful and accountable data processing. The detailed article has been shared below.

Digital Personal Data Protection (DPDP) Act 2023

The Digital Personal Data Protection (DPDP) Act 2023, enacted in August 2023, establishes India’s legal framework for safeguarding digital personal data. It outlines the responsibilities of organisations that process such data and adopts the SARAL approach: Simple, Accessible, Rational, and Actionable, to ensure the law remains easy to understand and implement. The framework also seeks to balance the individual Right to Privacy under Article 21 of the Indian Constitution with transparency by aligning its provisions with the Right to Information (RTI) Act, 2005.

DPDP Act 2023 Objectives

The objective of the DPDP Act 2023 is to make sure that people’s personal information is kept private and protected while, at the same time, allowing certain types of data to be processed (for example, legally, securely, and appropriately) by both government and business entities. The purpose of the DPDP Act 2023 has been shared below.

  • Safeguarding Individual Privacy: Provides a legal framework to protect personal data, prevent misuse, and limit unauthorised access or surveillance.
  • Ensuring Responsible Data Processing: Allows data processing only for lawful purposes with user consent, ensuring accuracy, security, and timely deletion.
  • Consent-Centric Data Governance: Requires clear, informed consent with the option to withdraw anytime; mandates parental consent for minors and persons with disabilities.
  • Balancing Privacy with Digital Innovation: Reduces compliance burden for startups and small entities while imposing stricter obligations on major data processors.
  • Secure Cross-Border Data Flow: Permits international data transfers to government-approved countries, supporting global digital operations with safeguards.

Also Read: Consumer Protection Act 1986

DPDP Act 2023 Features

  • Establishes a consent-based system where personal data can be processed only with clear, informed, and revocable consent of the individual.
  • Introduces rights for individuals, including the right to access, correct, erase personal data, and the right to grievance redressal.
  • Provides special protections for children’s data by requiring parental consent and prohibiting harmful data-processing practices.
  • Allows classification of certain entities as Significant Data Fiduciaries, imposing stricter obligations like data audits and impact assessments.
  • Includes provisions for government-notified exemptions in the interest of national security, public order, and research.
  • Permits cross-border data transfers to approved countries while ensuring adequate protection safeguards.
  • Follows the SARAL principle to keep rules simple, clear, and easy to implement for individuals and organisations.

Justice BN Srikrishna Committee

 The Justice BN Srikrishna Committee was set up to study global data protection practices and recommend a comprehensive framework for India, which laid the groundwork for the initial draft of the DPDP Act. 

The DPDP Act 2023 and subsequent DPDP Rules 2025 were finalised through public consultations and parliamentary enactment. The Ministry of Electronics and Information Technology carried forward the Committee’s recommendations to create India’s citizen-centric data protection framework.

DPDP Act 2023 Provisions

The DPDP Act 2023 lays down a comprehensive legal framework for processing digital personal data in a lawful, transparent, and accountable manner. It outlines the rights of individuals, obligations of organisations, rules for consent, and a graded system of penalties for violations.

  • The Act permits cross-border transfer of personal data to countries approved by the government, ensuring controlled and secure data flow.
  • Personal data may be retained for up to three years from the last interaction, with mandatory 48-hour prior notice to the Data Principal before erasure.
  • A digital-first Data Protection Board of India (DPBI) is established to handle consent, grievances, and enforcement through an online system for faster resolution.
  • Major digital platforms with large user bases, such as social media and e-commerce giants, are designated as Significant Data Fiduciaries with enhanced obligations.
  • The DPDP Act 2023 prescribes stringent monetary penalties for breaches by Data Fiduciaries. The maximum fine of up to ₹250 crore is imposed for failing to implement adequate security safeguards. 
  • Penalties of up to ₹200 crore may apply for not reporting a data breach or violating obligations related to children’s data. For all other forms of non-compliance with the Act or its Rules, fines can go up to ₹50 crore.

Data Protection Board of India

A central pillar of the DPDP Act 2023 is the creation of the Data Protection Board of India, a dedicated authority to regulate compliance and address grievances.

Structure and Appointment

  • Members are appointed by the Central Government.
  • Tenure is two years, with eligibility for reappointment.

Data Protection Board of India (DPBI) Functions

  • Enforcing compliance with the DPDP Act 2023.
  • Monitoring and responding to data breaches.
  • Investigating complaints and imposing penalties.
  • Coordinating with organisations during breach incidents.
  • Providing an online, digital-first grievance mechanism.
  • Facilitating appeals to the Telecom Disputes Settlement and Appellate Tribunal (TDSAT).

DPDP Rules 2025

The DPDP Rules 2025 provide detailed procedures, compliance timelines, and mechanisms to implement the DPDP Act 2023 effectively. They ensure citizen rights, secure data handling, and transparent grievance redressal while guiding organisations on responsible digital data management.

  • DPDP Rules 2025 strengthen citizen rights, ensure responsible data use by organisations and curb unauthorised use of personal data.  
  • The Digital Personal Data Protection Rule reduces digital harms, supports innovation and helps build a secure, trusted digital economy for India. 
  • The DPDP framework puts citizens at the centre of data protection, giving them clear control over how their personal data is used.

Also Read: Protection of Human Rights Act 1993

How the DPDP Rules 2025 Empower Individuals

The DPDP framework strengthens citizen-centric privacy by giving individuals full control over how their personal data is collected, used, and protected. It ensures clear rights, transparent processes, and strict accountability for all Data Fiduciaries.

  • Right to Give or Refuse Consent: Individuals can allow, deny, or withdraw consent anytime, and it must always be clear and informed.
  • Right to Know How Data Is Used: Citizens may seek simple, clear information on what data is collected and why.
  • Right to Access Personal Data: Individuals can request a copy of their personal data held by any Data Fiduciary.
  • Right to Correct or Update Data: People may ask for corrections or updates when data is inaccurate or outdated.
  • Right to Erasure: Personal data can be requested for deletion, and the Data Fiduciary must act within the allowed timeframe.
  • Right to Nominate Another Person: Individuals can appoint someone to exercise their data rights on their behalf.
  • Mandatory 90-Day Response: All requests for access, correction, updating, or deletion must be resolved within 90 days.
  • Breach Notification: Individuals must be informed promptly with clear details if their data is compromised.
  • Contact Point for Queries: Every Data Fiduciary must provide an accessible officer or DPO for grievance and query handling.
  • Protection for Children: Processing children’s data requires verifiable parental/guardian consent except for essential services.
  • Protection for Persons with Disabilities: Consent must come from a verified lawful guardian when the individual cannot decide independently.

Challenges and Criticisms of the DPDP Act 2023

The DPDP Act 2023 faces several concerns regarding its implementation, enforcement, and impact on individual privacy. Many experts argue that certain provisions may dilute accountability and grant excessive powers to the government.

  • The Act grants wide exemptions to government bodies, which can weaken transparency and reduce accountability in how citizens’ data is handled.
  • It gives the government broad authority to access, process, or block data, creating concerns about potential overreach and surveillance.
  • The absence of a fully independent regulatory authority limits neutral oversight and may affect fair enforcement of data protection rules.
  • Some key terms remain loosely defined, leading to confusion among organizations about proper compliance and interpretation of obligations.
  • The Act places minimal restrictions on cross-border data transfers, raising questions about data security and exposure to foreign laws.

Way Forward

  • Strengthen Independent Oversight: Establish a more autonomous regulatory body to enhance public trust. For example, creating an independent Privacy Commission similar to the UK’s ICO can ensure impartial supervision.
  • Improve Citizen Awareness: Launch large-scale digital literacy campaigns on consent, data rights, and grievance mechanisms. Like the RBI's “RBI Kehta Hai” campaign, a nationwide “Data Suraksha” campaign could educate citizens.
  • Streamline Compliance for Startups: Provide toolkits, model privacy policies, and simplified reporting formats for smaller firms. For instance, a government-issued “Startup Compliance Sandbox” could reduce operational burden.
  • Enhance Data Security Standards: Mandate periodic security audits and certifications for high-risk platforms. A system akin to ISO 27001 certification could be adapted as an Indian standard for digital platforms.
  • Promote Privacy-by-Design Innovation: Encourage companies to embed privacy features in new technologies. For example, apps could use automatic data minimisation or end-to-end encryption by default.

DPDP Act 2023 FAQs

Q1: What is the DPDP Act 2023?

Ans: It is India’s first comprehensive law on digital personal data, establishing rules for collection, storage, processing, and sharing, while safeguarding individual privacy.

Q2: Who does the Act apply to?

Ans: The Act applies to all digital personal data processed in India, and to data processed outside India if it relates to offering goods or services to Indian residents.

Q3: What are the rights of individuals under the Act?

Ans: Individuals have rights to: consent or refuse, access, correct, update, erase their data, nominate a representative, and receive grievance redressal.

Q4: How is consent managed under the Act?

Ans: Consent must be clear, informed, and revocable. Pre-ticked boxes, bundled permissions, or implied consent are prohibited. For minors and persons with disabilities, verifiable parental or guardian consent is mandatory.

Q5: What are the obligations of Data Fiduciaries?

Ans: Data Fiduciaries must ensure data accuracy, implement security safeguards, notify breaches, delete data when no longer needed, and comply with DPBI regulations.

White Revolution, Objectives, Significance, Challenges, Phase 2.0

White Revolution

White Revolution was initiated in India during 1970 when the National Dairy Development Board (NDDB) introduced several developments through the “Operation Flood” so as to increase the production of Milk and Dairy. The revolution was carried under the leadership of Professor Verghese Kurien, who is referred to as the Father of White Revolution in India.

White Revolution

During 1951-52, India produced only 17 tonnes of Milk, which marked the dairy production as the highly concerned area. To address this issue, the National Dairy Development Board was set up in 1965 with Prof. V. Kurien as the chairman of the organization appointed by the Prime Minister Shastri. The Revolution along with several operations led to transforming India as one of the largest producers of Milk globally.

Also Read: Blue Revolution

Operation Flood

Operation Flood was the programme that led to the major contribution for White Revolution in India. It was launched in 1970 by NDDB led by Kurien to increase the production of milk by focusing on the high yield, reasonable price for the consumers, while ensuring the producers to get fair profit without including middlemen in the process of distribution. It created a massive link between the Rural Producers and Urban Consumers. The Operation was carried under three phases:

  • Phase I: 1970-80: Improved organized dairy sector established in metropolitan cities like Mumbai, Chennai, Delhi, etc and focussed on developments of dairy in the rural areas.
  • Phase II: 1981-85: Increase in the number of- Milk Sheds (136), Urban Outlets (290) and covering more than 42 lakhs of producers.
  • Phase III: 1985-96: Strengthened the infrastructure leading to the production of large scale milk and emphasized research & development and healthcare through veterinary services.

White Revolution Objectives

The White Revolution has the major aim as given below:

  • Increasing the production of Milk and transforming India from Milk Deficit Country to a Top Producer Globally.
  • Setting Up Milk Sheds, Urban Outlets by connecting the rural and urban population directly by eliminating the middlemen.
  • Emphasize on Veterinary Health, First Aid, Artificial Insemination, and other facilities so as to improve the cattle breed.
  • Development of Chilling Centres to store milk after collecting from the producers before distribution to the urban areas along with the facility of transportation.
  • Focus on the supply of Milk as well as Dairy Products to the consumers.
  • Providing Cattle Feed to the Rural Producers.

Also Read: Golden Revolution

White Revolution Significance

The White Revolution has contributed to the robust change of the image of India in the field of production of Milk and Dairy in the World. The significance of the revolution can be highlighted below:

  • Milk Production: India has ranked top in the Production of Milk by producing 231 million tonnes during 2022-23. As per the report published by Basic Animal Husbandry Statistic 2023, the States- Uttar Pradesh, Rajasthan, Madhya Pradesh, Gujarat and Andhra Pradesh have together contributed to 53.08% of the total Milk Production.
  • Employment Generation: The operation has set up various Milk Sheds, Chilling Centres, and focussed on other activities (transportation, veterinary healthcare, etc.); this leads to the generation of various jobs at multiple levels. As per data, the dairy industries provide employment to over 8.5 crore people.
  • Woman Empowerment: The operation incorporated women in the activities highlighting growth of females in the economic, social and communal terms. This assisted many women through means of livelihood and status in the society. The 
  • Rural Development: The revolution has helped many rural producers by providing support in the distribution of milk, reducing the cost of transportation. It supported the rural households by providing job opportunities in the dairy sector.
  • Other: Few other importance of the White Revolution can be seen through-
    • Role in the Alleviation of Poverty (specifically rural)
    • Helped in Combating Malnutrition through increased milk production
    • Development of the Agriculture sector for Cattle Feed

White Revolution Challenges

Despite several advancements and achievements in the terms of production and distribution of Milk and Dairy Products, India is facing several issues at the present time such as:

  • The Rate of Production of Milk has eventually decreased from 6.47% in 2018-19 to 3.83% in 2022-23. 
  • Two-third of the marketed milk is under the unorganized sector, which is about 63% of the total production, as remaining stock is kept by the producer for their personal consumption.
  • In spite of high yield, the price of Milk has been increased per litre from 42 to 60, making it unaffordable to most consumers.
  • 32% of the Human Caused Methane Emission is due to the livestock feed (manure) and gastroenteric release, major issue for Global Warming.
  • Uneven yield of Milk particularly due to Cross Breed (8.55 kg/animal/day) and Indigenous Breed (3.44 kg/animal/day).
  • Disparity of the production of Milk in the North and Eastern states, eg: Punjab yields 13.49 kg/ animal/ day whereas West Bengal yields 6.30 kg/ animal/ day.
  • The focus on the Cross Breed or Exotic Breeds have increased the production of milk but it is leading to the decline in the number of indigenous breed which are more suitable for the local environment.

Also Read: Pink Revolution

White Revolution 2.0

To address the above listed challenges, the Ministry of Cooperation has brought the Standard Operating Procedures (SOPs) for the White Revolution 2.0. The Revolution Phase 2.0 majorly focuses on the production of Milk along with the contribution of Women Farmers, and by strengthening the infrastructure & increased export. It has targeted the procurement of Milk to 100 million kilograms within 5 years of initiating. It aims to improve the breed by Genetic Modification, Embryo Transfer and Artificial Insemination, etc. which will eventually reduce the input cost and maximize the production.

White Revolution UPSC

The White Revolution has shown a great result in the earlier phases making India the top producer of Milk among others. However the present situation faces multiple issues that can be tackled by the proper implementation of the regulations as created through the White Revolution 2.0 Margdarshika SOPs. The Programme also helps in addressing issues such as Malnutrition, Unemployment, Rural Development, Inflation, etc by sustainable development and process. It aims to increase the rate of National Per Capita Availability (current 459 grams per day).

White Revolution FAQs

Q1: What was the need for White Revolution?

Ans: White Revolution was introduced in 1970 through Operation Flood to address the issue of the deficit production of Milk Nationwide.

Q2: What are the major organizations under White Revolution 2.0?

Ans: The White Revolution 2.0 was set up by the Ministry of Cooperation along with the collaboration of NABARD and NDDB.

Q3: Which Country is the Largest Producer of Milk?

Ans: India has Ranked top in the production of Milk by producing 231 million tonnes during 2022-23, surpassing United States in 1988.

Q4: Who is the Father of White Revolution?

Ans: Professor Verghese Kurien, chairman of the National Dairy Development Board, is known as the Father of White Revolution in India.

Q5: What is the objective of White Revolution 2.0?

Ans: The major focus of the White Revolution 2.0 is on high production of milk, empowerment of female farmers and strengthening infrastructure.

UPSC Daily Quiz 26 November 2025

UPSC Daily Quiz

The Daily UPSC Quiz by Vajiram & Ravi is a thoughtfully curated initiative designed to support UPSC aspirants in strengthening their current affairs knowledge and core conceptual understanding. Aligned with the UPSC Syllabus 2025, this daily quiz serves as a revision resource, helping candidates assess their preparation, revise key topics, and stay updated with relevant issues. Whether you are preparing for Prelims or sharpening your revision for Mains, consistent practice with these Daily UPSC Quiz can significantly enhance accuracy, speed, and confidence in solving exam-level questions.

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UPSC Daily Quiz FAQs

Q1: What is the Daily UPSC Quiz?

Ans: The Daily UPSC Quiz is a set of practice questions based on current affairs, static subjects, and PYQs that help aspirants enhance retention and test conceptual clarity regularly.

Q2: How is the Daily Quiz useful for UPSC preparation?

Ans: Daily quizzes support learning, help in revision, improve time management, and boost accuracy for both UPSC Prelims and Mains through consistent practice.

Q3: Are the quiz questions based on the UPSC syllabus?

Ans: Yes, all questions are aligned with the UPSC Syllabus 2025, covering key areas like Polity, Economy, Environment, History, Geography, and Current Affairs.

Q4: Are solutions and explanations provided with the quiz?

Ans: Yes, each quiz includes detailed explanations and source references to enhance conceptual understanding and enable self-assessment.

Q5: Is the Daily UPSC Quiz suitable for both Prelims and Mains?

Ans: Primarily focused on Prelims (MCQ format), but it also indirectly helps in Mains by strengthening subject knowledge and factual clarity.

Malegam Committee, History, NBFC-MFI & UCBs Recommendations

Malegam Committee

The Malegam Committee name refers to a set of high-impact expert panels (chaired by Shri Y. H. Malegam) that the Reserve Bank of India (RBI) and other regulators set up to investigate and recommend reforms for troubled but important parts of India’s financial system, notably the microfinance sector (MFIs) and urban co-operative banks (UCBs).
The reports and recommendations of the Malegam Committee shaped formal regulation for NBFC-MFIs, influenced RBI policy on cooperative banks, and provided a template for governance, consumer protection and resolution measures.

Malegam Committee

The Malegam Committee, formally called the "Committee on Microfinance Institutions," was established by the Reserve Bank of India (RBI) in 2010. Its primary objective was to examine and address various issues and challenges faced by microfinance institutions (MFIs) across India. The committee was headed by Mr. Y. H. Malegam, a renowned chartered accountant.

Malegam Committee Historical Background

The Malegam has evolved with time through the origin in 2010 till present day along with several achievements:

  • The RBI constituted the Malegam Committee on microfinance on 15 October 2010, under Shri Y. H. Malegam.
  • In October 2010, RBI also tasked the committee to review licensing norms for urban co-operative banks (UCBs).
  • The Malegam microfinance report was publicly released by RBI on 19 January 2011, recommending NBFC-MFI classification and interest-rate limits.
  • By May 2011, RBI accepted many recommendations in spirit, but relaxed some, such as income and interest-rate ceilings.
  • The UCB expert group report under Malegam was submitted on 18 August 2011, and published on RBI’s website on 7 September 2011 for public comment.
  • In January 2013, RBI re-constituted a committee under Malegam to review entry-norms for new UCB licenses.

Malegam Committee Recommendations on Microfinance

The Malegam Committee, referred as "Committee on Microfinance Institutions" offered a package of recommendations intended to stabilise the MFI sector while protecting poor borrowers:

  • A separate NBFC-MFI category: Define and regulate a distinct class of NBFCs that primarily lend to low-income borrowers with small, short-term unsecured loans; these would be supervised by RBI.
  • Borrower and loan limits: A household-income threshold (e.g., annual family income limits) and loan size caps were recommended to keep MFIs focused on micro credit.
  • Interest-rate and margin guidance: The report recommended an interest cap of 24% on individual MFI loans and an average margin cap (10% for larger MFIs and 12% for smaller ones), aiming to curb excessive rates while recognising operating costs.
  • Transparency & limited charges: Restrict charges to a small set (processing fee, interest, insurance) and mandate clearer borrower disclosures.
  • Multiple-lending & over-indebtedness controls: Rules on membership of only one SHG/JLG and limits on the number of MFIs that can lend to a borrower to prevent over-borrowing and coercive recoveries.

Malegam Committee Recommendations on Urban Co-operative Banks (UCBs)

When turned to UCBs, the Malegam Committee highlighted governance, capital, resolution and regulatory lacunae and suggested reforms to reduce systemic risk:

  • Stronger governance: Introduce a professional Board of Management (BoM) in addition to the existing Board of Directors to separate ownership (members/society) from management and bring professional oversight to day-to-day banking operations.
  • Deposit voting and control changes: Proposals to link voting rights more closely to depositors (for example, suggestions that a significant share of deposits be from voting members) to reduce “one-member, one-vote” distortions.
  • Regulatory parity and resolution: Empower RBI with clearer supervisory and resolution powers (instead of fragmented control across Registrar of Cooperative Societies and state authorities) to enable prompt corrective action and better handling of weak UCBs.
  • Size-and-complexity caution: Recommend limits on the growth of UCBs unless they adopt stronger governance and capital frameworks, to avoid systemic spillovers.

Malegam Committee Impact

The Malegam Committee had measurable and enduring effects:

  • Consumer protection in MFIs: The NBFC-MFI framework reduced abusive practices in several states by imposing disclosure norms, limiting charges and clarifying priority-sector treatment for MFI lending. That helped restore trust in formal microcredit after the Andhra Pradesh crisis.
  • Governance focus for UCBs: The idea of a professional BoM and governance separation influenced subsequent RBI policy thinking and the 2015 High-Powered Committee on Urban Cooperative Banks (chaired by R. Gandhi) which reiterated many Malegam Committee themes.
  • Policy template: Malegam’s pragmatic mix of borrower safeguards, operational definitions and caps became a model for regulators balancing inclusion and stability.
  • At the same time, the effects varied across states and institutions because legal and political contexts for cooperatives differ; harmonising these remains an unfinished task.

Malegam Committee UPSC

The Malegam Committee remains a milestone in India’s regulatory evolution. By offering context-sensitive, operational recommendations for MFIs and UCBs, it helped transform regulatory treatment, promoted better governance and advanced borrower protection. Its work shows how careful, evidence-based committee reports can reshape supervision while revealing the political, legal and technical hurdles of implementing reform in a diverse federal system. As India continues to deepen financial inclusion, the Malegam Committee’s prescriptions, and the lessons from their rollout, are still directly relevant to current reforms in NBFCs, cooperative banking and microcredit policy.

Malegam Committee FAQs

Q1: What is the Malegam Committee?

Ans: The Malegam Committee is an RBI-appointed expert group chaired by Y. H. Malegam to review issues in microfinance and cooperative banking.

Q2: Why was the Malegam Committee formed?

Ans: The Malegam Committee was formed to address microfinance crises, borrower protection issues, and regulatory gaps in NBFC-MFIs and urban cooperative banks.

Q3: What were the major recommendations of the Malegam Committee?

Ans: The Malegam Committee recommended NBFC-MFI classification, interest rate caps, income ceilings, governance improvements, stricter lending norms; and recommendations on UCBs.

Q4: When did the Malegam Committee submit its Microfinance report?

Ans: The Malegam Committee submitted its microfinance sector report to RBI in January 2011.

Q5: How did the Malegam Committee impact financial regulation?

Ans: The Malegam Committee laid the foundation for stronger microfinance regulation, leading to more borrower-centric policies and structured sector oversight.

Manchurian Walnut Tree

Manchurian Walnut Tree

Manchurian Walnut Tree Latest News

Recently, researchers found that plant leaves from the Manchurian walnut tree showed extraordinary weed-killing potential.

About Manchurian Walnut Tree

  • It is a hardy deciduous tree known for its robust growth and adaptability to a range of soil types.
  • Distribution: It is found in Manchuria (China) and also grows on the Korean Peninsula and in the Far East of Russia.

Features of Manchurian Walnut Tree

  • Soil: The Manchurian nut tree likes well-drained fertile soils with a neutral PH reaction.
  • Cold Resistance: It is very cold-resistant and can withstand frost down to -45 ° C.
  • Growth: Under natural conditions it can reach upto 30 m, and the life expectancy is high – up to 300 years.
  • Fruiting: The plant begins to bear fruit at the age of 7-10 years.
  • Growth Rate: It grows at a tremendous pace for the first 20 years up to 2 m per year. In its lifetime, it grows up to 30 m and even higher. 

Applications of Manchurian Walnut Tree

  • Medicinal Use: The plant is widely used in pharmaceuticals and folk medicine. Preparations made from Manchurian walnuts have a strong analgesic, antifungal, and antiparasitic effect.
  • Other uses: Green fruits are used to make jams, and wood is used in furniture production.

Source: TOI

Manchurian Walnut Tree FAQs

Q1: What is the medicinal use of Manchurian Walnut Tree preparations?

Ans: Analgesic, antifungal, and antiparasitic

Q2: What is the wood of the Manchurian Walnut Tree used for?

Ans: Furniture production.

Cuban gar

Cuban gar

Cuban gar Latest News

Cuban scientists have taken restoration efforts in Cuba's Zapata Swamp to save the Cuban gar from extinction. 

About Cuban gar

  • The Cuban gar (Atractosteus tristoechus), also known as the manjuarí, is a fish in the family Lepisosteidae.
  • This fish is part of a family called "gars," which have been around for about 100 million years.
  • It is a tropical, freshwater species, although it also inhabits brackish water.
  • Characteristics of Cuban gar
    • It is also notable for its high tolerance of high ammonia and nitrate levels in water.
    • It has the ability to breathe some atmospheric air in absence of sufficiently oxygenated water.
  • Habitat: It is found in various habitats from large lakes and rivers to sluggish tributaries, backwaters and pools, and can surive in both fresh and brackish waters.
  • Distribution: It is found in rivers and lakes of western Cuba and the Isla de la Juventud
  • Diet: Gars are ambush predators feeding on smaller fishes and aquatic crustaceans in nature.
  • Threats: Habitat loss, and introduction of invasive species African walking catfish.
  • Conservation Status: IUCN: Critically Endangered

Source: India Today

Cuban gar FAQs

Q1: What is the habitat of the Cuban Gar?

Ans: Waters of Cuba and surrounding areas

Q2: What is the conservation status of the Cuban Gar?

Ans: Critically Endangered

Abujhmadiya Tribe

Abujhmadiya Tribe

Abujhmadiya Tribe Latest News

Recently, the Bastar Olympics’ tournament has seen increasing participation of the Abujhmadiya tribe.

About Abujhmadiya Tribe

  • They are an ancestral and patriarchal tribe primarily residing in the Abujmarh region in Chhattisgarh, India.
  • Abujhmadiya tribal community is a sub-group of Gond tribe of Central India region. 
  • It is a Particularly Vulnerable Tribal Group (PVTG).

Culture and Traditions of Abujhmadiya Tribe

  • Language: They speak Abuj Maria, Hindi or Chhattisgarhi.
  • Belief: They follow a form of animism, worshipping nature spirits and deities associated with natural elements.
  • Abujhmaria women consider (Godana) tattoo a permanent jewel. 
  • Festivals: Celebrate various festivals which includes:
    Saja Festival: A traditional festival celebrating agricultural success and honoring nature spirits.
    Bastar Dussehra: Which features traditional dances, rituals, and community gatherings.
  • Economy: The Abuj Maria primarily engage in subsistence agriculture, cultivating crops like rice, maize, and pulses. They also practice hunting, fishing, and gathering forest products.
  • Social Structure: Their society is organized into clans, each with its own customs and traditions.

Source: IE

Abujhmadiya Tribe FAQs

Q1: Where is the Abujhmadiya Tribe primarily located?

Ans: Chhattisgarh

Q2: What is the name of the traditional youth dormitory of the Abujhmadiya Tribe?

Ans: Ghotul

Hoya dawodiensis

Hoya dawodiensis

Hoya dawodiensis Latest News

Arunachal Pradesh recently reported a major scientific milestone with the discovery of a new plant species, Hoya dawodiensis.

About Hoya dawodiensis

  • It is a new plant species.
  • It was discovered in the Vijaynagar region in Changlang district, Arunachal Pradesh.
    • Vijoynagar landscape, accessible only by air or multi-day treks, remains one of the least explored but biologically richest regions of the state.

Key Facts About Hoya Plants

  • Hoyas constitute a diverse group of tropical flowering species, many of which are valued for their ecological roles and unique morphology. 
  • Hoyas are also known as wax plants or porcelain flowers because of their unique and beautiful flowers that look like they are made of wax. 
  • Hoyas are native to tropical and subtropical regions of Asia, Australia, and the Pacific Islands, but they can be grown indoors as houseplants in most climates. 
  • Hoya plants thrive in bright, indirect light.
  • Hoyas prefer well-draining, airy soil.
  • Hoyas are accustomed to high-humidity environments, though their waxy, thick leaves do help them tolerate periods of dry air.

Source: PTI

Hoya dawodiensis FAQs

Q1: What is Hoya dawodiensis?

Ans: Arunachal Pradesh

Q2: In which region of Arunachal Pradesh was Hoya dawodiensis discovered?

Ans: It was discovered in the Vijaynagar region in Changlang district.

Q3: Hoya dawodiensis belongs to which group of plants?

Ans: Tropical flowering species

Q4: Hoyas are primarily native to which regions?

Ans: Tropical and subtropical Asia, Australia, and Pacific Islands.

Ningaloo Reef

Ningaloo Reef

Ningaloo Reef Latest News

A new survey finds nearly 70% of corals at UNESCO-listed Ningaloo Reef have died.

About Ningaloo Reef

  • It is located on Western Australia's remote coast along the East Indian Ocean.
  • It is Australia’s largest fringing coral reef, extending across 300 kilometres of coastline. 
  • It is one of the world’s most pristine, longest, and largest coral reefs. 
  • However, it is unusually narrow and covers an area of about 50 sq.km.
  • The reef sustains both temperate and tropical marine life, including mammals and reptiles. 
  • It has about 250 corals, of which 200 are hard coral species.
  • Besides corals, the reef hosts over 500 fish species. Some of the mega marine species found here are manta rays, whale sharks, humpback whales, potato cod, dugongs, and sea turtles. 
  • The Ningaloo Reef is also a popular spot for snorkeling and scuba diving.
  • It is a UNESCO World Heritage Site.

Source: DTE

Ningaloo Reef FAQs

Q1: Ningaloo Reef is located along the coast of which region?

Ans: Western Australia.

Q2: Approximately how long is the Ningaloo Reef?

Ans: 300 km

Q3: Ningaloo Reef covers roughly how much area?

Ans: It covers an area of about 50 sq.km.

Q4: How many coral species are found in Ningaloo Reef?

Ans: About 250, including 200 hard corals.

Operation Pawan

Operation Pawan

Operation Pawan Latest News

For the first time, Chief of the Army Staff (COAS) General Upendra Dwivedi recently paid homage to soldiers who laid down their lives during Operation Pawan, the 1987 Indian Peace Keeping Force (IPKF) mission in Sri Lanka.

About Operation Pawan

  • It was launched by the Rajiv Gandhi government in 1987, sending the Indian Peace Keeping Force (IPKF) to Sri Lanka to help quell the civil war between the Tamil and Sinhala communities. 
  • It was India's first major overseas military campaign post-Independence
  • It was launched under the Indo-Sri Lanka Accord of July 29, 1987.
  • It involved sending nearly 100,000 Indian troops into Sri Lanka to disarm the Tamil militant groups, including the Liberation Tigers of Tamil Eelam (LTTE), and restore peace. 
  • The mission soon escalated into intense counter-insurgency combat as the LTTE turned hostile.
  • It took until October 26, 1987, for IPKF troops to capture the city of Jaffna. 
  • However, the LTTE melted away into the jungle, and their leader V.Prabhakaran eluded capture. 
  • 1,171 Indian soldiers were martyred, and over 3,500 were injured. 
  • So intense was the conflict that many bodies of personnel could not be recovered.
  • One of the most notable martyrs of Operation Pawan was Major Ramaswamy Parameswaran, a Param Vir Chakra recipient, who was killed on 25 November, 1987.
  • ‘Operation Pawan’ formally ended on 24 March 1990 with the withdrawal of the IPKF. 
  • Although Sri Lanka has constructed a memorial acknowledging the IPKF’s role, the operation did not receive formal commemoration at the National War Memorial (Rashtriya Samar Smarak) in New Delhi.
  • For decades, veterans and families sought formal recognition. In 2025, the Army finally acknowledged their long-overlooked sacrifice.

Source: TH

Operation Pawan FAQs

Q1: What was the primary objective of Operation Pawan?

Ans: To disarm Tamil militant groups and restore peace.

Q2: Operation Pawan was launched during the tenure of which Indian Prime Minister?

Ans: Rajiv Gandhi

Q3: Which militant organization turned hostile and fought against the Indian forces during Operation Pawan?

Ans: Liberation Tigers of Tamil Eelam (LTTE)

Q4: Who was the Param Vir Chakra awardee martyred during Operation Pawan?

Ans: Major Ramaswamy Parameswaran

Obstructive Sleep Apnea (OSA)

Obstructive Sleep Apnea

Obstructive Sleep Apnea Latest News

New findings reveal that untreated obstructive sleep apnea can significantly raise the likelihood of developing Parkinson’s disease.

About Obstructive Sleep Apnea

  • It is the most common sleep-related breathing disorder. 
  • People with OSA repeatedly stop and start breathing while they sleep. 
  • These breath pauses are known as apneas.
  • There are several types of sleep apnea. OSA occurs when the throat muscles relax and block the airway. 
  • This happens off and on many times during sleep. 
  • You may wake up frequently, which can lead to daytime exhaustion and other frustrating symptoms.
  • Loud snoring is a telltale symptom of OSA. Snoring is caused by air squeezing through the narrowed or blocked airway. Not everyone who snores has OSA.
  • Anyone at any age can have OSA. But it's most common in middle-aged and older adults. 
  • This condition has significant implications for cardiovascular health, mental well-being, quality of life, and driving safety. 
  • Treatment for OSA may include:
    • Making lifestyle changes like sleeping position adjustments (not sleeping on your back) or maintaining a weight that’s healthy for you.
    • Using a continuous positive airway pressure (CPAP) machine.
    • Wearing oral appliances (mouthpieces).
    • Undergoing surgery.

Key Facts about Obstructive Sleep Apnea 

  • It is a progressive neurodegenerative disorder that primarily affects movement.
  • It causes nerve cells (neurons) in parts of the brain to weaken, become damaged, and die, leading to symptoms that include problems with movement, tremor, stiffness, and impaired balance. 
  • As symptoms progress, people with PD may have difficulty walking, talking, or completing other simple tasks. 
  • Although many brain areas are affected in Parkinson’s disease, the most common symptoms result from the loss of neurons in an area near the base of the brain called the substantia nigra.
  • Who Does It Affect?
    • The disease usually occurs in older people, but younger people can also be affected. 
    • Men are affected more often than women.
    • The cause of PD is unknown but people with a family history of the disease have a higher risk. 
    • Exposure to air pollution, pesticides, and solvents may increase risk.
    • People with PD often develop a “parkinsonian gait.” 
      • This includes a tendency to lean forward, taking small, quick steps as if hurrying (called festination), and reduced swinging in one or both arms
      • They may have trouble initiating movement (called “start hesitation”) and stop suddenly as they walk, freezing in place.
  • Diagnosis: Currently, no blood laboratory or radiological tests are available to diagnose Parkinson’s disease. 
  • Treatment: There’s no cure for this disease, but treatments can help significantly improve your symptoms.

Source: SCTD

Obstructive Sleep Apnea FAQs

Q1: What is Obstructive Sleep Apnea (OSA)?

Ans: It is the most common sleep-related breathing disorder.

Q2: What causes Obstructive Sleep Apnea (OSA)?

Ans: OSA occurs when the throat muscles relax and block the airway.

Q3: What is the common symptom of Obstructive Sleep Apnea (OSA)?

Ans: Loud snoring.

Exercise SURYAKIRAN

Exercise SURYAKIRAN

Exercise SURYAKIRAN Latest News

Recently, the 19th edition of the “Exercise SURYAKIRAN XIX - 2025” commenced at Pithoragarh, Uttarakhand.

About Exercise SURYAKIRAN

  • It is the joint military exercise conducted between India and Nepal.
  • The Indian contingent is being represented mainly by troops from the ASSAM Regiment.
  • The aim of the exercise is to jointly rehearse conduct of Sub Conventional operations under Chapter VII of the United Nations Mandate.’

Key Facts about Exercise SURYAKIRAN–XIX

  • Scope: To strengthen battalion-level synergy in Jungle Warfare, Counter-Terrorism Operations in Mountainous Terrain, Humanitarian Assistance & Disaster Relief (HADR), Environmental Conservation, and Integrated Ground–Aviation Operations.
  • It will focus on incorporating niche and emerging technologies, including Unmanned Aerial Systems (UAS), drone-based ISR,   AI-enabled decision support tools, unmanned logistic vehicles and armoured protection platforms.
  • Significance: It will further enhance the level of defence cooperation between Indian Army and Nepal Army.

Source: PIB

Exercise SURYAKIRAN FAQs

Q1: What is the primary objective of Exercise Suryakiran?

Ans: To enhance interoperability in jungle warfare and counter-terrorism operations.

Q2: Which countries participate in Exercise Suryakiran?

Ans: India and Nepal

Fujiwhara Effect

Fujiwhara Effect

Fujiwhara Effect Latest News

Two cyclonic storms are predicted to form in the Bay of Bengal, with a potential Fujiwhara interaction.

About Fujiwhara Effect

  • The Fujiwhara Effect (also named as the Fujiwhara interaction or the binary interaction) is a natural phenomenon that takes place when two nearby cyclones or hurricanes interact with each other. 
  • It was first described by a Japanese meteorologist, Dr. Sakuhei Fujiwhara, in 1921. The phenomenon was thus named after him.
  • Many years later, the occurrence was observed in the western Pacific Ocean when typhoons Marie and Kathy merged in 1964.

What Happens During The Fujiwhara Effect?

  • The Fujiwhara Effect can occur when two cyclones form near each other or approach each other close enough to allow the Fujiwhara interaction to take place. 
  • Extratropical cyclones can exhibit binary interaction when within a distance of 2,000 km of each other. 
  • Tropical cyclones exhibit this type of effect when separated by a distance of less than 1,400 km. 
  • During the Fujiwhara interaction, the centers of the two cyclones involved in the phenomenon begin to mutually orbit in a counterclockwise direction about a point between the two cyclones.
  • The position of the point is dependent on the intensity and relative mass of the cyclonic vortices. 
  • The smaller cyclone involved in the Fujiwhara Effect moves at a faster rate than the bigger one about the central point.
  • The Fujiwhara Effect might lead the two cyclones to spiral into the central point and merge with each other, or it might trigger the development of a larger cyclone. 
  • The effect might also divert the original path of one or both the cyclones.

Source: DTE

Fujiwhara Effect FAQs

Q1: What is the Fujiwhara Effect?

Ans: It is a natural phenomenon that takes place when two nearby cyclones or hurricanes interact with each other.

Q2: Who first described the Fujiwhara Effect?

Ans: It was first described by a Japanese meteorologist, Dr. Sakuhei Fujiwhara, in 1921.

Q3: How close must two tropical cyclones be (in km) for the Fujiwhara Effect to occur?

Ans: Less than 1,400 km.

Q4: Can the Fujiwhara Effect change the original path of one or both cyclones?

Ans: Yes, the Fujiwhara Effect can alter or divert the original path of one or both cyclones.

Draft Seeds Bill 2025 – Key Provisions Explained

Seeds Bill 2025

Seeds Bill Latest News

  • The Union Agriculture Ministry has released the Draft Seeds Bill 2025, inviting public comments until December 11. 
  • The Bill aims to modernise seed regulation by amending the Seeds Act, 1966 and the Seeds (Control) Order 1983, ensuring quality seeds for farmers while reducing compliance burdens for the seed industry. 

Context and Rationale Behind the Seeds Bill 2025

  • India’s seed sector has undergone a massive transformation since the 1960s, through advances in biotechnology, hybridisation, commercial seed processing, and international trade.
  • According to the Agriculture Ministry, in 2023-24, the national requirement for seeds was 462.31 lakh quintals, while availability reached 508.60 lakh quintals, creating a surplus of 46.29 lakh quintals.
  • Industry associations have argued that the 1966 Act is outdated and ill-equipped to deal with new scientific and commercial realities. 

Regulatory Architecture Proposed Under the Bill

  • Clear Definition of Stakeholders
    • The Bill defines key actors, farmer, dealer, distributor, and producer, as separate entities engaged in seed use and trade. This creates regulatory clarity across the supply chain. 
  • Central and State Seed Committees
    • Two statutory bodies are proposed:
      • Central Seed Committee (27 members)
      • State Seed Committees (15 members)
  • The Central Committee will recommend standards such as:
    • Minimum germination levels,
    • Genetic and physical purity,
    • Traits and seed health norms,
    • Additional quality parameters.
  • The State Committees will advise on the registration of seed producers, dealers, nurseries, and processing units. 

Quality Control and Registration Systems

  • Mandatory Registration of Seed Processing Units
    • All processing units must register with the State government. This ensures quality control but may increase operational costs for small seed entrepreneurs.
    • To ease compliance for companies operating across multiple States, a Central Accreditation System may be introduced, merit-based, transparent, and uniform. 
  • National Seed Variety Register
    • The Bill creates the office of a Registrar responsible for maintaining a National Register of Seed Varieties under the Central Seed Committee. 
    • Field trials to determine the Value for Cultivation and Use (VCU) are also standardised in the Bill.
  • Seed Testing Laboratories
    • Central and State seed testing laboratories will be strengthened to:
      • Analyse genetic purity,
      • Assess germination and health parameters,
      • Assist in compliance monitoring. 
  • Role of Seed Inspectors

Offences and Penalties

  • The new draft significantly revises the penalty framework compared to the 2019 draft. 
  • The Bill classifies offences as: Trivial, Minor, Major, with corresponding penalties.
  • This stronger penal architecture reflects the government’s intent to curb seed fraud and maintain quality standards. 

Farmers’ Rights and New Safeguards

  • The Bill reiterates that farmers retain the right to save, use, exchange, and sell farm-saved seeds, except under a brand name. This aligns with long-standing protections under Indian law.
  • The draft also links seed regulation to the Protection of Plant Varieties and Farmers’ Rights (PPV&FR) Act 2001, attempting to ensure that quality norms and intellectual property rights are harmonised. 

Concerns Raised by Farmers’ Organisations

  • Farmers’ unions, including the All India Kisan Sabha, have criticised the Bill for:
    • Potential increase in seed costs, enabling large companies to engage in “predatory pricing.”
    • Risk to seed sovereignty, as centralisation may favour multinational and domestic seed corporations.
    • Dilution of biodiversity protections, arguing that the Bill conflicts with global treaties such as the CBD and the International Treaty on Plant Genetic Resources for Food & Agriculture.
    • Creating a “corporatised regulatory structure” that may overshadow the PPV&FR Act’s progressive farmer-centric provisions.
  • These groups demand that the Bill must complement, not undermine, India’s biodiversity and farmers’ rights legal architecture. 

Source: TH

Seeds Bill FAQs

Q1: What is the purpose of the Draft Seeds Bill 2025?

Ans: To modernise seed regulation, ensure quality standards, and streamline compliance.

Q2: Does the Bill restrict farmers’ rights to use or share seeds?

Ans: No farmers may save, exchange, or sell seeds, except under a brand name.

Q3: What penalties does the Bill impose for violations?

Ans: Fines range from Rs. 50,000 to Rs. 30 lakh, with imprisonment up to three years.

Q4: What new committees will be formed under the Bill?

Ans: Central and State Seed Committees for standard-setting and regulatory oversight.

Q5: Why are farmers’ groups opposing the Bill?

Ans: They fear corporatisation, loss of seed sovereignty, and higher cultivation costs.

India’s Q2 FY26 GDP Surpasses RBI Forecast, Driven by Consumption & Capex

India’s Q2 GDP

India’s Q2 GDP Latest News

  • Economists expect India’s Q2 FY26 GDP to surpass the RBI’s 7% forecast, potentially reaching 7.3%, slightly below the previous quarter’s 7.8% high. 
  • Growth remains robust despite 50% US tariffs introduced in late August. 
  • Broad-based rural recovery, supported by strong labour markets and good crop output, along with increased urban consumer durable spending following GST cuts, is driving the expansion. Q3 FY26 is also expected to benefit from the GST cuts.

Nominal GDP Growth Slows, Poses Risks to Budget Targets

  • April-June GDP data showed nominal growth at a three-quarter low of 8.8%, below the Finance Ministry’s 10.1% Budget assumption. 
    • Nominal growth refers to the growth of an economic variable without adjusting for inflation. 
    • In other words, it measures the increase in value at current prices, so it includes the effects of rising prices (inflation) along with the actual increase in output or income.
  • Economists expect July-September and FY26 nominal growth could fall below 8%, potentially impacting tax collections and raising fiscal deficit and debt-to-GDP ratios, despite strong real growth of 7.8%. 
    • Fiscal deficit is the gap between the government’s total expenditure and its total revenue (excluding borrowings) in a financial year.
    • Debt-to-GDP ratio measures a country’s total government debt relative to its GDP. It shows the government’s ability to repay debt. A higher ratio means debt is growing faster than the economy, which can strain public finances.
  • Monitoring nominal GDP is crucial for fiscal planning.

GDP Growth Likely Lags GVA Due to Slower Tax Collections

  • In Q2, GDP growth may trail GVA growth, projected at 7.5–8% versus 8% GVA growth. 
    • GDP (Gross Domestic Product): It measures total value of goods and services produced within a country in a given period. It is calculated as GVA + net indirect taxes (indirect taxes minus subsidies).
    • GVA (Gross Value Added) – It measures total value of goods and services produced by all sectors, excluding net indirect taxes. It indicates actual production and sectoral performance. 
      • GDP growth can differ from GVA growth if net indirect taxes rise or fall.
  • GDP includes net indirect taxes (GST minus subsidies), which fell year-on-year after a 10% rise in Q1. 
  • Slower growth in these taxes explains why GDP growth may be lower than GVA.

Q2 FY26 Sees Surge in Private Consumption 

  • Private consumption likely rose by 8% in Q2 FY26, the highest since Q3FY25.
  • It was boosted by the late-September GST rate cuts, low retail inflation (1.7%), rural wage growth (~6%), personal income tax cuts, and a 7.8% rise in employee costs of listed companies. 
  • Growth could have been higher if households had not delayed purchases ahead of the GST rollout. Q1FY26 consumption had risen to 7% from 6% in Q4FY25.

Q2 FY26 Sees Strong Corporate Profits Amid Low Inflation

  • Q2 FY26 was the best quarter for companies in two years, with sales up 6% YoY and profits rising 13%, aided by low retail inflation (1.7%) and zero wholesale inflation. 
  • Limited impact from US tariffs and subdued input costs boosted profitability, supporting value-added growth and likely contributing to GDP growth around 7% for FY26, above the RBI’s 6.8% forecast.

Government Capex Surges, Private Investment Shows Early Signs of Revival

  • In Q2 FY26, Central government capital expenditure rose 31% YoY to ₹3.06 lakh crore, supporting overall investment. 
  • Private sector interest also increased, accounting for 71% of fresh investments in H1 FY26 versus 61% last year. 
  • Q1FY26 gross fixed capital formation grew 7.8%, down from 9.4% in the previous quarter but above 6.7% in Q1FY25.

Source: IE | LM

India’s Q2 GDP FAQs

Q1: What is India’s expected Q2 FY26 GDP growth rate compared to the RBI's forecast?

Ans: India's Q2 FY26 GDP is expected to reach 7.3%, surpassing the Reserve Bank of India's (RBI) 7% forecast for the quarter.

Q2: What factors primarily drove the surge in private consumption in Q2 FY26?

Ans: Private consumption was boosted by low retail inflation, rural wage growth, personal income tax cuts, and late-September GST rate cuts.

Q3: Why might GDP growth lag GVA growth in Q2 FY26?

Ans: GDP growth may lag GVA growth because net indirect taxes, which are included in GDP but not GVA, fell year-on-year in Q2.

Q4: What is nominal GDP growth, and why is its current slowdown a concern?

Ans: Nominal GDP growth is the growth at current prices, including inflation; its slowdown poses a risk to tax collections and Budget deficit targets.

Q5: How did corporate performance in Q2 FY26 contribute to economic growth?

Ans: Corporate profits rose 13% YoY, aided by low retail and zero wholesale inflation and limited tariff impact, supporting value-added growth.

Supreme Court Slams Centre on Custodial Torture & Failure to Install CCTVs

Custodial Torture

Custodial Torture Latest News

  • The Supreme Court criticised the Union government for not responding to its five-year-old directive to install CCTV cameras in all police stations and central agency offices such as the CBI, ED and NIA. Only 11 States/UTs submitted compliance reports; the Centre did not.
  • The Bench expressed shock that custodial torture continues unabated, citing 11 custodial deaths in Rajasthan within eight months. 
  • The judges observed that custodial brutality persists despite earlier judicial orders.

Custodial Torture in India: A Persisting Human Rights Crisis

  • Custodial torture in India is a widespread and systemic human rights violation involving physical and psychological abuse of individuals in police or judicial custody. 
  • Despite the high number of custodial deaths each year, conviction rates remain extremely low, reflecting deep-rooted impunity and weak accountability mechanisms within the system.
  • Prisoners’ dignity and fundamental rights are protected under international law. 
  • The UN Charter (1945) emphasizes humane treatment, and the Universal Declaration of Human Rights (1948) safeguards individuals from torture, cruel treatment, and enforced disappearances, ensuring security and dignity.

Scale of the Problem

  • Custodial torture—both physical and psychological—remains widespread and systemic.
  • NHRC reported 2,739 custodial deaths in 2024, up from 2,400 in 2023.
  • Marginalised groups—Dalits, Adivasis, Muslims, daily-wage earners—are disproportionately targeted.
  • Accountability is abysmal: Zero convictions in 345 judicial inquiries (2017–2022) despite arrests and charge sheets.

Why Custodial Torture Persists

  • Absence of Specific Anti-Torture Law - India lacks a dedicated legislation criminalising torture as per global standards. Although India signed UN Convention Against Torture (UNCAT, 1997), it has not ratified it.
  • Culture of Impunity - Police personnel often shield each other, discouraging accountability. Systemic misuse of coercive interrogation methods remains widespread.
  • Systemic and Institutional Failures - Overworked police forces, inadequate training in non-coercive techniques. Weak prison infrastructure and insufficient oversight mechanisms.
  • Weak Legal Protection for Victims - Fear of retaliation and lack of legal aid prevent victims from reporting abuse.

Legal & Judicial Safeguards

  • Article 14: Ensures that all individuals are treated equally, reinforcing that law enforcement agencies are not above the law.
  • Article 21: Right to life includes protection from torture.
  • Article 20(1): Prohibits conviction for acts that were not offences when committed and guards against excessive or arbitrary punitive actions.
  • Article 20(3): Protection against self-incrimination.
  • D.K. Basu Guidelines (1997): Mandate arrest memo, medical exam, identification of police officers, etc.

New Criminal Laws

  • Section 120, Bharatiya Nyaya Sanhita (BNS) - Criminalises causing hurt or grievous hurt to extract confessions or information through violence or coercion.
  • Section 35, Bharatiya Nagarik Suraksha Sanhita (BNSS) - Requires that all arrests and detentions follow legally valid, clearly documented procedures.
  • Section 22, Bharatiya Sakshya Adhiniyam (BSA) - Declares confessions obtained under inducement, threat, coercion, or promise as legally inadmissible.

Supreme Court Pulls Up Centre for Ignoring CCTV Directions

  • The Supreme Court expressed displeasure that only 11 States/UTs had filed compliance affidavits regarding the installation of functional CCTVs in police stations. 
  • The Union government had not filed its response either.

Background: The 2020 Nariman Judgment

  • In Paramvir Singh Saini vs Baljit Singh (2020), the Supreme Court mandated CCTV installation in police stations and offices of all agencies with arrest and interrogation powers — including the NIA, CBI, ED, NCB, DRI, and SFIO.
  • This was ordered to safeguard fundamental rights and deter custodial torture.

Debate on CCTVs and Security Concerns

  • The Centre argued that CCTV installation outside police stations could be counter-productive, citing security concerns. 
  • The court disagreed, referring to live-streamed police stations in the U.S. and the need for more open correctional facilities to reduce overcrowding.

Source: TH | IE | SCCO

Custodial Torture FAQs

Q1: Why did the Supreme Court criticize the Union government recently?

Ans: The Supreme Court criticized the government for failing to respond to its five-year-old directive to install CCTV cameras in all police stations and central agency offices.

Q2: What specific judicial order did the Centre fail to comply with regarding CCTVs?

Ans: The Centre failed to comply with the 2020 Paramvir Singh Saini vs Baljit Singh (Nariman Judgment) that mandated CCTV installation in all police and agency offices.

Q3: Which central agencies were included in the Supreme Court's 2020 CCTV directive?

Ans: The directive covered offices of all agencies with arrest/interrogation powers, including the CBI, ED, NIA, NCB, DRI, and SFIO.

Q4: What is the scale of the custodial torture problem in India, according to recent reports?

Ans: Custodial torture remains widespread; the NHRC reported 2,739 custodial deaths in 2024, an increase from 2,400 in 2023.

Q5: Which new criminal law section criminalizes causing hurt to extract confessions?

Ans: Section 120 of the Bharatiya Nyaya Sanhita (BNS) criminalizes causing hurt or grievous hurt to extract confessions or information through coercion or violence.

Satpura Tiger Reserve

Satpura Tiger Reserve (STR)

Satpura Tiger Reserve Latest News

A forest team on routine patrol in the buffer zone of Satpura Tiger Reserve (STR) saw a tigress effortlessly swimming through the Denwa River.

About Satpura Tiger Reserve

  • Location: It is located in the state of Madhya Pradesh.
  • It is situated in the Satpura ranges of the Central Indian Landscape.
  • It lies south of the river Narmada.
  • The tiger reserve comprises three protected areas, Satpura National Park, Bori Wildlife Sanctuary, and Pachmarhi Sanctuary.
  • Terrain: The terrain here is extremely rugged and consists of sandstone peaks, narrow gorges, ravines, and dense forests.
    • It houses more than 50 rock shelters, which are almost 1,500 to 10,000 years old.
    • Geological formations include the Deccan trap series, Gondwanas, and metamorphic rocks.
  • Vegetation: It mainly consists of mixed deciduous forest with a variety of flora typical of the Central Indian Highlands.
  • Flora: It includes teak, bamboo, Indian ebony, various acacias, wild mango, Indian gooseberry, satinwood, etc.
  • Twenty-six species of the Himalayan region and 42 species of the Nilgiri areas are found. Hence, STR is also known as the northern extremity of the Western Ghats.
  • Fauna:  It is home to a wide range of wildlife, including tigers, leopards, sloth bears, Indian gaurs (bison), and sambar deer.

Key Facts about Denwa River

  • It is a lifeline river of Satpura National Park.
  • This river originates from the south-eastern part of the Hoshangabad district in Madhya Pradesh State.
  • It flows from east to west before joining the Tawa River.

Source: TOI

Satpura Tiger Reserve FAQs

Q1: Where is the Satpura Tiger Reserve located?

Ans: Madhya Pradesh

Q2: What is the main vegetation type in the Satpura Tiger Reserve?

Ans: Tropical moist deciduous forest

Daily Editorial Analysis 26 November 2025

Daily Editorial Analysis

A Landmark Law in 2013, It Needs a Spine in 2025

Context

  • A rare instance of accountability in Chandigarh, where a college professor was dismissed after an Internal Complaints Committee (ICC) probe under the POSH Act, 2013,
  • This incident has highlighted both the potential and the limitations of India’s institutional mechanisms against sexual harassment.
  • While the verdict has been celebrated as justice served, it simultaneously exposes systemic challenges that prevent consistent and empathetic implementation of the law, particularly within educational spaces marked by sharp power imbalances.

The Limits of Consent and the Missing Idea of Informed Consent

  • One of the fundamental gaps in the POSH framework lies in its narrow understanding of consent.
  • The Act acknowledges consent but ignores informed consent, a concept especially crucial in academic and workplace hierarchies.
  • A relationship that appears consensual on the surface may be shaped by emotional manipulation, authority, or information asymmetry.
  • When these imbalances become visible later, earlier consent becomes void and results not only in harassment but in deep emotional betrayal.
  • The current legal framework remains oriented toward visible, explicit acts, failing to recognise psychological or manipulative behaviour.
  • Many well-educated perpetrators deliberately operate in grey zones, avoiding behaviours that leave clear evidence while exploiting trust and emotional vulnerability.
  • The absence of recognition for emotional harassment and coercive, deceptive conduct leaves survivors without adequate legal protection.

Procedural and Linguistic Limitations: Barriers to Justice

  • The Three-Month Limitation Period

    • Several procedural elements of the Act inadvertently hinder survivors. The three-month limitation period for filing complaints is particularly restrictive.
    • Survivors who experience coercion or prolonged manipulation often take far longer to recognise the violence or gather the courage to report it.
    • In universities, where students may remain under the same institutional umbrella for years, crucial evidence or realisation may emerge well beyond this timeline.
    • Justice should not come with an expiry date, yet the existing rule reinforces perpetrators’ belief that time is on their side.
  • Linguistic Limitations

    • Language also shapes how seriously misconduct is perceived.
    • The Act refers to the accused as a respondent, softening the gravity of actions that would constitute criminal offences outside institutional settings.
    • Such diluted terminology normalises the violation and diminishes the psychological trauma experienced by survivors.
  • The Burden of Proof

    • The burden of proof further tilts the scales against complainants. Sexual harassment usually unfolds as a pattern of behaviour rather than as a single, documentable event.
    • Yet ICCs often dismiss complaints due to lack of direct evidence, without considering corroborative testimony, anonymous feedback, or circumstantial indicators.
    • While committees are carefully structured to protect the respondent’s rights, similar institutional trust is rarely extended toward recognising a survivor’s lived experience.

Inter-Institutional Misconduct: A Silent Blind Spot

  • Modern academia thrives on collaboration, conferences, visiting faculty programmes, and inter-campus research. Misconduct, therefore, often spans institutional boundaries.
  • The POSH Act, however, provides no mechanism for inter-institutional complaints, leaving repeat offenders free to move across campuses without accountability.
  • For survivors, filing a complaint is already an emotionally exhausting battle. What follows is frequently marked by delays, bureaucratic hesitation, and the threat of counteraction.
  • The clause allowing punishment for malicious complaints, intended as a safeguard, often intimidates genuine victims, deterring them from seeking justice.

Digital Harassment and the Challenge of Evidence

  • With communication increasingly shifting to digital platforms, harassment now occurs through vanishing messages, encrypted chats, or temporary images.
  • Expecting ICC members, often without specialised technical training, to interpret such evidence is unrealistic.
  • The Act has not adapted to the complexities of digital communication, offering no clear protocols for handling such material.
  • To remain relevant, the law must integrate updated definitions of digital harassment, mandate training for ICC members, and establish procedures for managing electronic evidence so that technology does not become a shield for offenders.

The Way Forward: Toward a Stronger and More Responsive POSH Framework

  • The Chandigarh case demonstrates what a committed ICC and a determined group of complainants can achieve, but such outcomes are far from the norm.
  • The promise of the POSH Act can be fulfilled only through structural reforms that include recognising emotional coercion, expanding the definition of consent, extending timelines for reporting, strengthening digital evidence protocols, and improving investigative methods.

Conclusion

  • Informal whisper networks among women reflect not empowerment but institutional failure.
  • A decade after its enactment, the POSH Act must evolve to match the realities of modern workplaces and academic environments.
  • Justice should not depend on the survivor’s endurance or the discretion of committees; it must be built into the framework of the law
  • Until then, the protection offered by the POSH Act risks remaining symbolic rather than substantive.

A Landmark Law in 2013, It Needs a Spine in 2025 FAQs

 Q1. What major conceptual gap exists in the POSH Act’s understanding of consent?

Ans. The POSH Act lacks the concept of informed consent, ignoring situations where consent is influenced by manipulation, power imbalance, or emotional coercion.

Q2. Why is the three-month limitation period considered problematic for survivors?

Ans. The three-month limitation period is problematic because many survivors need more time to recognise the abuse, process their experience, and gather the courage to file a complaint.

Q3. How does the terminology of respondent weaken the seriousness of offences?

Ans. Calling the accused a respondent softens the perceived gravity of the misconduct and makes sexual harassment appear less serious than it is.

Q4. What key challenge arises when dealing with digital forms of harassment?

Ans. Digital harassment is difficult to address because ICC members often lack technical training to interpret disappearing messages, encrypted chats, or temporary images.

Q5. Why are inter-institutional complaints difficult to pursue under the current POSH Act?

Ans. Inter-institutional complaints are difficult to pursue because the POSH Act provides no mechanism for connecting or investigating misconduct that spans across multiple institutions.

Source: The Hindu


Decoding Personality Rights in the Age of AI

Context

  • Actors Abhishek Bachchan and Aishwarya Rai Bachchan have sued Google and YouTube in the Delhi High Court, accusing them of hosting AI-generated videos that depict them in fabricated — sometimes explicit — scenarios.
  • They argue that such deepfakes violate their personality rights, damage their reputation, and threaten financial interests.
  • The case also seeks safeguards to prevent these fake videos from being used to train future AI models.
  • The issue underscores how generative AI blurs the line between real and fake, challenging existing legal protections over one’s identity — name, image, likeness, and voice.
  • Personality rights, rooted in privacy, dignity, and commercial autonomy, were not designed for the scale and speed of AI manipulation.
  • Deepfakes now fuel misinformation, extortion, and loss of public trust, revealing a growing need for stronger legal and ethical safeguards to prevent the misuse and commodification of human identity.
  • This article highlights how the rise of generative AI and deepfakes is challenging traditional personality rights in India and across the world.

The Evolving Legal Landscape of Personality Rights in the Age of AI

  • India’s Hybrid and Reactive Approach

    • India follows a hybrid model rooted in dignity (Article 21) and property-like control.
    • Personality rights are not codified but recognised through landmark judgments:
      • Amitabh Bachchan v. Rajat Nagi (2022): Affirmed personality rights.
      • Anil Kapoor v. Simply Life (2023): Banned AI misuse of Mr. Kapoor’s likeness and “Jhakaas”.
      • Arijit Singh v. Codible Ventures (2024): Protected his voice from AI replication.
    • While the IT Act and 2024 Intermediary Guidelines tackle impersonation and deepfakes, challenges remain due to anonymity, global data sharing, and limited enforcement capacity.
  • United States: Property-Based ‘Right of Publicity’

    • The U.S. treats personality rights as commercial property that can be licensed or transferred.
    • Key developments:
      • Haelan Labs v. Topps (1953): Separated publicity rights from privacy rights.
      • ELVIS Act, Tennessee (2024): Prohibits unauthorised AI cloning of voices and likenesses.
    • Litigation against Character.AI highlights risks of AI chatbots inducing self-harm or impersonating therapists; courts have rejected First Amendment immunity claims.
  • European Union: Dignity and Consent Framework

    • The EU’s GDPR mandates explicit consent for processing personal and biometric data.
    • The EU AI Act (2024) classifies deepfakes as high-risk, requiring transparency, labelling, and disclosure to prevent manipulation and deception.
  • China: Stricter Consumer-Focused Enforcement

    • Chinese courts emphasise preventing deception:
      • A 2024 Beijing ruling held synthetic voices must not mislead consumers.
      • Another case awarded damages to a voice actor whose AI-replicated voice was sold without consent — affirming voice as personality property.
    • A Fragmented Global Framework
      • AI’s borderless nature outpaces national laws, creating a fragmented regulatory mosaic.
      • Scholars argue for expanded “extended personality rights” covering style, persona, and creative patterns to protect individuals from exploitative AI training and misuse.

The Human–AI Nexus: Ethical and Legal Concerns

  • UNESCO’s Recommendation on the Ethics of AI (2021) provides a rights-based framework emphasising dignity, autonomy, and protection from exploitation.
  • Scholars argue that personality rights must evolve to address AI-generated impersonation and manipulation.
  • Gaps in India’s Legal Architecture
    • Experts highlight India’s fragmented AI laws and call for:
      • statutory definitions of AI,
      • explicit classification of deepfakes as high-risk,
      • clearer regulation of behavioural data processing.
    • They also raise concerns about AI recreations of deceased artists, noting that Indian courts do not recognise personality rights as inheritable.
  • Debates on AI Personhood
    • Critics, however, warn that granting AI legal personhood could dilute human rights protections and complicate liability frameworks.
    • The tension lies between leveraging AI for innovation and preventing erosion of human autonomy and dignity.
  • Need for Robust Indian Legislation
    • The rise of deepfakes exposes structural gaps. India must:
      • codify personality rights,
      • mandate AI watermarking and model transparency,
      • strengthen platform liability,
      • enable cross-border regulatory cooperation.
    • The government’s 2024 deepfake advisory is a first step, but inadequate on its own.
  • Call for Global Harmonisation
    • Adopting and aligning with UNESCO principles can help India prevent ethical deterioration, ensure accountability, and safeguard human identity in the age of generative AI.

Decoding Personality Rights in the Age of AI FAQs

Q1. Why are personality rights becoming more important in the age of AI?

Ans. AI-generated deepfakes can replicate faces, voices, and mannerisms, causing reputational harm, misinformation, and economic loss. This makes protecting one’s identity more urgent than ever.

Q2. How does India currently protect personality rights?

Ans. India follows a hybrid dignity–property model through constitutional privacy rights and court judgments, but lacks a codified law, making enforcement reactive and limited.

Q3. What global approaches exist to regulate AI misuse of identity?

Ans. The U.S. uses property-based publicity rights, the EU relies on consent and data protection, and China enforces strict consumer protection against deceptive synthetic media.

Q4. Why is India’s current framework insufficient to regulate deepfakes?

Ans. Weak enforcement, anonymity online, cross-border data flows, and lack of statutory definitions of AI limit India’s ability to act against impersonation and identity misuse.

Q5. What reforms are needed to protect personality rights against AI misuse?

Ans. India must codify personality rights, mandate AI watermarking, increase platform liability, classify deepfakes as high-risk, and collaborate internationally for effective regulation.

Source: TH

Daily Editorial Analysis 26 November 2025 FAQs

Q1: What is editorial analysis?

Ans: Editorial analysis is the critical examination and interpretation of newspaper editorials to extract key insights, arguments, and perspectives relevant to UPSC preparation.

Q2: What is an editorial analyst?

Ans: An editorial analyst is someone who studies and breaks down editorials to highlight their relevance, structure, and usefulness for competitive exams like the UPSC.

Q3: What is an editorial for UPSC?

Ans: For UPSC, an editorial refers to opinion-based articles in reputed newspapers that provide analysis on current affairs, governance, policy, and socio-economic issues.

Q4: What are the sources of UPSC Editorial Analysis?

Ans: Key sources include editorials from The Hindu and Indian Express.

Q5: Can Editorial Analysis help in Mains Answer Writing?

Ans: Yes, editorial analysis enhances content quality, analytical depth, and structure in Mains answer writing.

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