Last year, aspirants used to type/post their answers in the comment box on a daily basis. There were huge participation and discussion below the test post. Putting answers in the comment box has been very effective to self-track yourself after updating the score. In the end, you can cross check your performance through Disqus profile.
It was highly effective in the last edition of 60 Days that propelled aspirants to monitor their performance and learn through discussion. Let you solve these questions with full honesty and write your result in the comment box. Interact with peers to know your mistakes.
The importance of this initiative stands time-bound and aggressive reverse engineering to learn the concepts. Many of you must be busy with your own strategy but let us tell you honestly that in the last few months, it is very important to revise and consolidate your learning. Just reading won’t suffice.
So, take out a few hours from your schedule and make it a revision exercise.
How can you make the best use of it?
Be honest to your effort and do not start competing with XYZ aspirants just for the sake of marks. It is more important for you to introspect and check your learning than focusing on others. Try to answer the questions in 25 minutes only.
Do not get into negative feeling that I don’t have enough knowledge to answer these questions. Feel like you are taking the real exam. What would be your response then?
The same will be replicated in the UPSC exam. Here, you get marks only and nothing else matters. So, make effort to know the answers to all questions. Do not cheat 😛
DETAILED MICRO ANALYSIS MATRIX SAMPLE– is given here. You can download this and do an assessment for yourself (the excel sheet must be modified as per this years planning. The provided excel sheet is only for reference). DOWNLOAD
Would like to end on this quote:
Either you run the day or the day runs you.
Are you ready? Let’s start!
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Aflatoxins are poisonous carcinogens. Which of the following statements are correct regarding Aflatoxins?
Select the code from following:
Aflatoxins are a family of toxins produced by certain fungi that are found on agricultural crops such as maize (corn), peanuts, cottonseed, and tree nuts. The main fungi that produce aflatoxins are Aspergillus flavus and Aspergillus parasiticus, which are abundant in warm and humid regions of the world. Aflatoxin-producing fungi can contaminate crops in the field, at harvest, and during storage.
People can be exposed to aflatoxins by eating contaminated plant products (such as peanuts) or by consuming meat or dairy products from animals that ate contaminated feed. Farmers and other agricultural workers may be exposed by inhaling dust generated during the handling and processing of contaminated crops and feeds.
Exposure to aflatoxins is associated with an increased risk of liver cancer.
Aflatoxins are a family of toxins produced by certain fungi that are found on agricultural crops such as maize (corn), peanuts, cottonseed, and tree nuts. The main fungi that produce aflatoxins are Aspergillus flavus and Aspergillus parasiticus, which are abundant in warm and humid regions of the world. Aflatoxin-producing fungi can contaminate crops in the field, at harvest, and during storage.
People can be exposed to aflatoxins by eating contaminated plant products (such as peanuts) or by consuming meat or dairy products from animals that ate contaminated feed. Farmers and other agricultural workers may be exposed by inhaling dust generated during the handling and processing of contaminated crops and feeds.
Exposure to aflatoxins is associated with an increased risk of liver cancer.
Researchers have created MELISA, which is a Mobile version of “Enzyme Linked Immunosorbent Assay (ELISA)”. Which of the following statements is correct regarding it?
Mobile Enzyme Linked Immunosorbent Assay (MELISA)
Mobile Enzyme Linked Immunosorbent Assay (MELISA)
Hunter Syndrome is a genetic disorder caused by a deficient or absent enzyme iduronate-2-sulfatase (I2S). Which of the following statements are correct regarding Hunter syndrome?
Select the code from following:
Hunter Syndrome is a genetic disorder caused by a deficient or absent enzyme iduronate-2-sulfatase (I2S). It primarily affects males.
Hunter Syndrome is a genetic disorder caused by a deficient or absent enzyme iduronate-2-sulfatase (I2S). It primarily affects males.
Blood doping is the practice of boosting the number of red blood cells (RBC) in the bloodstream in order to enhance athletic performance. Which of the following statements are correct regarding Blood Doping?
Select the code from following:
Doping
Types of Blood Doping
Blood doping is the practice of boosting the number of red blood cells (RBC) in the bloodstream in order to enhance athletic performance.
Erythropoietin (EPO)
EPO is a hormone produced by the kidney. It regulates the body’s production of red blood cells. EPO can be used to treat patients with anemia related to chronic or end-stage kidney disease.
Synthetic oxygen carriers: These are chemicals that have the ability to carry oxygen. Two examples are:
Gene Doping
Gene doping is defined by the World Anti-Doping Agency as “the non-therapeutic use of cells, genes, genetic elements, or of the modulation of gene expression, having the capacity to improve athletic performance.
Doping
Types of Blood Doping
Blood doping is the practice of boosting the number of red blood cells (RBC) in the bloodstream in order to enhance athletic performance.
Erythropoietin (EPO)
EPO is a hormone produced by the kidney. It regulates the body’s production of red blood cells. EPO can be used to treat patients with anemia related to chronic or end-stage kidney disease.
Synthetic oxygen carriers: These are chemicals that have the ability to carry oxygen. Two examples are:
Gene Doping
Gene doping is defined by the World Anti-Doping Agency as “the non-therapeutic use of cells, genes, genetic elements, or of the modulation of gene expression, having the capacity to improve athletic performance.
Iodine-125 is a radioisotope of iodine which has uses in biological assays, nuclear medicine imaging and in radiation therapy as brachytherapy to treat a number of conditions, including prostate cancer, uveal melanomas, and brain tumors. ‘I-125 Ocu-Prosta seed’ is an ideal choice to treat retinoblastoma and uveal tract melanoma, two forms of rare eye cancers. Which of the following organizations has developed that?
Iodine-125
Iodine-125
Consider the following:
Which of the above statements is/are correct?
Antacids and Histamines
Antacids and Histamines
Consumption of green tea, colourful berries and fruits is emphasized a lot these days as they contain anti – oxidants. What is the role of antioxidants?
Anti-oxidants and Preservatives
Anti-oxidants and Preservatives
Which of the following Vitamins are fat soluble?
Select the code from following:
Vitamin Deficiency Disease

Note- Fat-soluble vitamins are vitamins A, D, E and K. Water-soluble vitamins include vitamins C and B.
Vitamin Deficiency Disease

Note- Fat-soluble vitamins are vitamins A, D, E and K. Water-soluble vitamins include vitamins C and B.
Which of the following statements are correct regarding Amyotrophic lateral sclerosis (ALS)?
Select the code from following:
ALS, or amyotrophic lateral sclerosis, is a progressive neurodegenerative disease that affects nerve cells in the brain and the spinal cord. A-myo-trophic comes from the Greek language. “A” means no. “Myo” refers to muscle, and “Trophic” means nourishment – “No muscle nourishment.” When a muscle has no nourishment, it “atrophies” or wastes away. “Lateral” identifies the areas in a person’s spinal cord where portions of the nerve cells that signal and control the muscles are located. As this area degenerates, it leads to scarring or hardening (“sclerosis”) in the region.
Motor neurons reach from the brain to the spinal cord and from the spinal cord to the muscles throughout the body. The progressive degeneration of the motor neurons in ALS eventually leads to their demise. When the motor neurons die, the ability of the brain to initiate and control muscle movement is lost. With voluntary muscle action progressively affected, people may lose the ability to speak, eat, move and breathe. The motor nerves that are affected when you have ALS are the motor neurons that provide voluntary movements and muscle control. Examples of voluntary movements are making the effort to reach for a smart phone or step off a curb. These actions are controlled by the muscles in the arms and legs.
ALS, or amyotrophic lateral sclerosis, is a progressive neurodegenerative disease that affects nerve cells in the brain and the spinal cord. A-myo-trophic comes from the Greek language. “A” means no. “Myo” refers to muscle, and “Trophic” means nourishment – “No muscle nourishment.” When a muscle has no nourishment, it “atrophies” or wastes away. “Lateral” identifies the areas in a person’s spinal cord where portions of the nerve cells that signal and control the muscles are located. As this area degenerates, it leads to scarring or hardening (“sclerosis”) in the region.
Motor neurons reach from the brain to the spinal cord and from the spinal cord to the muscles throughout the body. The progressive degeneration of the motor neurons in ALS eventually leads to their demise. When the motor neurons die, the ability of the brain to initiate and control muscle movement is lost. With voluntary muscle action progressively affected, people may lose the ability to speak, eat, move and breathe. The motor nerves that are affected when you have ALS are the motor neurons that provide voluntary movements and muscle control. Examples of voluntary movements are making the effort to reach for a smart phone or step off a curb. These actions are controlled by the muscles in the arms and legs.
Which of the following virus are correctly matched with the diseases caused by them?
Select the code from following:
Which of the following statements is NOT correct regarding West Nile Fever?
WEST NILE VIRUS
WEST NILE VIRUS
LEISHMANIASIS was recently in the news as it became a severe problem amongst the Syrian refuges. Which of the following statements are correct regarding LEISHMANIASIS?
Select the code from following:
LEISHMANIASIS
LEISHMANIASIS
Moscow Declaration of WHO aims at ending
Moscow declaration emphasis need for fixing multisectoral responsibility towards ending TB by 2035, the global target. It recognises need for multisectoral accountability framework to end TB, which is both political and technical.
This framework is critical to creating enabling operational environment for multisectoral action, fast-tracking priority interventions, monitoring overall progress, and accelerating advocacy at all levels within different sectors, all of which is necessary to achieve committed milestones and targets to end TB epidemic.
Moscow declaration emphasis need for fixing multisectoral responsibility towards ending TB by 2035, the global target. It recognises need for multisectoral accountability framework to end TB, which is both political and technical.
This framework is critical to creating enabling operational environment for multisectoral action, fast-tracking priority interventions, monitoring overall progress, and accelerating advocacy at all levels within different sectors, all of which is necessary to achieve committed milestones and targets to end TB epidemic.
To make healthcare more affordable, government is promoting the use of generic drugs. Which of the following statements are correct regarding generic drugs?
Select the code from following:
GENERIC DRUG
Health professionals and consumers can be assured that FDA approved generic drugs have met the same rigid standards as the innovator drug. To gain FDA approval, a generic drug must:
Although generic drug active ingredients are chemically identical to their branded
counterparts, they are typically sold at a cheaper price than the brand-name drug. Generics
are less expensive because the drug manufacturer does not have to duplicate the original
clinical trials for effectiveness and safety, which lowers the cost to bring the drug to market.
Generics are not less expensive because they are lower in quality.
GENERIC DRUG
Health professionals and consumers can be assured that FDA approved generic drugs have met the same rigid standards as the innovator drug. To gain FDA approval, a generic drug must:
Although generic drug active ingredients are chemically identical to their branded
counterparts, they are typically sold at a cheaper price than the brand-name drug. Generics
are less expensive because the drug manufacturer does not have to duplicate the original
clinical trials for effectiveness and safety, which lowers the cost to bring the drug to market.
Generics are not less expensive because they are lower in quality.
In the context of Pharmaceuticals, what is a Pyrogen Test?
Pyrogen test is carried out to check impurity or substance that can cause adverse side-effects. For the test, drug is injected into rabbit and animal is closely observed for feverish symptoms. The abnormal toxicity test is carried out to check potential hazardous biological contamination in vaccine formulations. This batch test is done before product is approved for marketing. In this, mice or guinea pigs are injected with vaccine. The scientists observe if there is death of any animal.
Indian Pharmacopoeia Commission (IPC) has in its 2018 edition of Indian Pharmacopoeia approved modern, animal-free tests for drug manufacturers. It will spare animals from suffering due to drug experiments.
Pyrogen test is carried out to check impurity or substance that can cause adverse side-effects. For the test, drug is injected into rabbit and animal is closely observed for feverish symptoms. The abnormal toxicity test is carried out to check potential hazardous biological contamination in vaccine formulations. This batch test is done before product is approved for marketing. In this, mice or guinea pigs are injected with vaccine. The scientists observe if there is death of any animal.
Indian Pharmacopoeia Commission (IPC) has in its 2018 edition of Indian Pharmacopoeia approved modern, animal-free tests for drug manufacturers. It will spare animals from suffering due to drug experiments.
Which of the following medical devices has been recently notified as drugs by the Ministry of Health and Family Welfare?
Select the code from following:
Union Ministry of Health & Family Welfare has notified four medical devices including blood pressure monitors, nebulisers, digital thermometers and glucometers as drugs under Drugs and Cosmetics Act, 1940. The decision will enable the government to ensure their quality and performance. Drug Controller General of India (DCGI) will regulate import, manufacture and sale of these devices from January 2020.
Union Ministry of Health & Family Welfare has notified four medical devices including blood pressure monitors, nebulisers, digital thermometers and glucometers as drugs under Drugs and Cosmetics Act, 1940. The decision will enable the government to ensure their quality and performance. Drug Controller General of India (DCGI) will regulate import, manufacture and sale of these devices from January 2020.
Last year 22 cases of Zika was confirmed in Rajasthan. Which of the following statements are correct regarding Zika virus?
Select the code from following:
Zika virus Disease is mosquito-borne virus transmitted by Aedes aegypti mosquitoes which also transmit three other vector-borne diseases Chikungunya, dengue and yellow fever. The virus belongs to family Flaviviridae and Genus Flavivirus. It was first identified in 1947 in Zika Forest, Uganda from where it derives its name. Now it is emerging disease currently being reported by 86 count countries worldwide.
Symptoms: They are similar to other viral infections such as dengue, and include fever, skin rashes, conjunctivitis, muscle and joint pain, malaise, and headache.
Threats: Pregnant women infected with Zika virus may give birth to babies with severe brain damage or serious birth defects i.e. neurological disorders and foetal deformation known as Microcephaly in which infants are born with abnormally smaller heads.
There is no specific treatment or vaccine currently available to treat Zika. The best form of prevention is protection against mosquito bites and clearing stagnant water where mosquitoes breed.
Zika virus Disease is mosquito-borne virus transmitted by Aedes aegypti mosquitoes which also transmit three other vector-borne diseases Chikungunya, dengue and yellow fever. The virus belongs to family Flaviviridae and Genus Flavivirus. It was first identified in 1947 in Zika Forest, Uganda from where it derives its name. Now it is emerging disease currently being reported by 86 count countries worldwide.
Symptoms: They are similar to other viral infections such as dengue, and include fever, skin rashes, conjunctivitis, muscle and joint pain, malaise, and headache.
Threats: Pregnant women infected with Zika virus may give birth to babies with severe brain damage or serious birth defects i.e. neurological disorders and foetal deformation known as Microcephaly in which infants are born with abnormally smaller heads.
There is no specific treatment or vaccine currently available to treat Zika. The best form of prevention is protection against mosquito bites and clearing stagnant water where mosquitoes breed.
Recently IIT Delhi team used Drug-loaded microparticles to manage Parkinson’s. Which of the following statements regarding Parkinson’s are correct?
Select the code from following:
Parkinson’s disease is a progressive nervous system disorder that affects movement. Symptoms start gradually, sometimes starting with a barely noticeable tremor in just one hand. Tremors are common, but the disorder also commonly causes stiffness or slowing of movement.
In the early stages of Parkinson’s disease, your face may show little or no expression. Your arms may not swing when you walk. Your speech may become soft or slurred. Parkinson’s disease symptoms worsen as your condition progresses over time.
Although Parkinson’s disease can’t be cured, medications might significantly improve your symptoms. Occasionally, your doctor may suggest surgery to regulate certain regions of your brain and improve your symptoms.
Statement 2 is incorrect for Parkinson’s but correct for Alzheimer’s disease.
Parkinson’s disease is a progressive nervous system disorder that affects movement. Symptoms start gradually, sometimes starting with a barely noticeable tremor in just one hand. Tremors are common, but the disorder also commonly causes stiffness or slowing of movement.
In the early stages of Parkinson’s disease, your face may show little or no expression. Your arms may not swing when you walk. Your speech may become soft or slurred. Parkinson’s disease symptoms worsen as your condition progresses over time.
Although Parkinson’s disease can’t be cured, medications might significantly improve your symptoms. Occasionally, your doctor may suggest surgery to regulate certain regions of your brain and improve your symptoms.
Statement 2 is incorrect for Parkinson’s but correct for Alzheimer’s disease.
The term SPINK1 Positive is related to
Molecular mechanism of prostate cancer subtype unraveled by a multi-institutional team at IIT Kanpur.
Cancer is caused by accumulated damage to genes. Such changes may be due to chance or to exposure to a cancer causing substance. The substances that cause cancer are called carcinogens. A carcinogen may be a chemical substance, such as certain molecules in tobacco smoke. The cause of cancer may be environmental agents, viral or genetic factors.
The SPINK1-positive prostate cancer subtype derives its name from the excess amount of SPINK1 oncogene (cancer causing)found in the cancer cells. Excess production of SPINK1 gene responsible for tumour and metastasis is not restricted to prostate cancer alone but also seen in colorectal, lung, pancreatic, breast and ovarian cancers.
Molecular mechanism of prostate cancer subtype unraveled by a multi-institutional team at IIT Kanpur.
Cancer is caused by accumulated damage to genes. Such changes may be due to chance or to exposure to a cancer causing substance. The substances that cause cancer are called carcinogens. A carcinogen may be a chemical substance, such as certain molecules in tobacco smoke. The cause of cancer may be environmental agents, viral or genetic factors.
The SPINK1-positive prostate cancer subtype derives its name from the excess amount of SPINK1 oncogene (cancer causing)found in the cancer cells. Excess production of SPINK1 gene responsible for tumour and metastasis is not restricted to prostate cancer alone but also seen in colorectal, lung, pancreatic, breast and ovarian cancers.
As the temperature across the globe are rising, the infections of Hantavirus are expected to increase. Which of the following statements are correct regarding Hantavirus?
Select the code from following:
Hantavirus is a virus that is found in the urine, saliva, or droppings of infected deer mice and some other wild rodents (cotton rats, rice rats in the southeastern Unites States and the white-footed mouse and the red-backed vole). It causes a rare but serious lung disease called Hantavirus pulmonary syndrome (HPS). The virus does not remain active for long once outside of its host — less than 1 week outdoors and a few hours when exposed to direct sunlight.
People can contract the Hantavirus infection through inhalation of respirable droplets of saliva or urine, or through the dust of feces from infected wild rodents, especially the deer mouse. Transmission can also occur when contaminated material gets into broken skin, or possibly, ingested in contaminated food or water.
The disease caused by Hantavirus is called Hantavirus pulmonary syndrome. Symptoms appear within 1 to 5 weeks after exposure. The average is 2 to 4 weeks. This disease is extremely serious since about 40% of the people who get the disease die. The disease begins as a flu-like illness. In the early stage, a worker may experience fever, chills, muscle aches, headaches, nausea, vomiting, and shortness of breath, rapid heartbeat and gastrointestinal problems. However, the disease progresses rapidly and infected people experience an abnormal fall in blood pressure and their lungs will fill with fluid. Severe respiratory failure, resulting in death, can occur within a few days of the early stage symptoms.
Hantavirus is a virus that is found in the urine, saliva, or droppings of infected deer mice and some other wild rodents (cotton rats, rice rats in the southeastern Unites States and the white-footed mouse and the red-backed vole). It causes a rare but serious lung disease called Hantavirus pulmonary syndrome (HPS). The virus does not remain active for long once outside of its host — less than 1 week outdoors and a few hours when exposed to direct sunlight.
People can contract the Hantavirus infection through inhalation of respirable droplets of saliva or urine, or through the dust of feces from infected wild rodents, especially the deer mouse. Transmission can also occur when contaminated material gets into broken skin, or possibly, ingested in contaminated food or water.
The disease caused by Hantavirus is called Hantavirus pulmonary syndrome. Symptoms appear within 1 to 5 weeks after exposure. The average is 2 to 4 weeks. This disease is extremely serious since about 40% of the people who get the disease die. The disease begins as a flu-like illness. In the early stage, a worker may experience fever, chills, muscle aches, headaches, nausea, vomiting, and shortness of breath, rapid heartbeat and gastrointestinal problems. However, the disease progresses rapidly and infected people experience an abnormal fall in blood pressure and their lungs will fill with fluid. Severe respiratory failure, resulting in death, can occur within a few days of the early stage symptoms.
Which of the following statement is/are correct?
Select the correct statements
Ground water extraction in India is primarily for irrigation in agricultural activities, accounting for nearly 228 BCM (Billion Cubic Meter), which amounts to 90% of the annual ground water extraction. The remaining 10% of extraction (25 BCM) is for drinking & domestic as well as industrial uses. Industrial use is estimated to account for only about 5% of the annual ground water extraction in the country.
As per these revised guidelines, Water Conservation Fee (WCF) would be levied for use of ground water depending on the category of area, type of industry and quantum of ground water withdrawal. There was no provision for exemption from WCF to Government infrastructure, water supply agencies and mining projects.
Ground water extraction in India is primarily for irrigation in agricultural activities, accounting for nearly 228 BCM (Billion Cubic Meter), which amounts to 90% of the annual ground water extraction. The remaining 10% of extraction (25 BCM) is for drinking & domestic as well as industrial uses. Industrial use is estimated to account for only about 5% of the annual ground water extraction in the country.
As per these revised guidelines, Water Conservation Fee (WCF) would be levied for use of ground water depending on the category of area, type of industry and quantum of ground water withdrawal. There was no provision for exemption from WCF to Government infrastructure, water supply agencies and mining projects.
Consider the following statements with respect to ‘Innovators Growth Platform’
Select the correct statements
The ‘Institutional Trading Platform’ created by SEBI to list start-ups was renamed as ‘Innovators Growth Platform’.
The regulator has said the IGP can be designated as the main board platform. Further, start-ups listing on IGP should get an option to trade under regular category on the main board after completion of one year of listing. At present, ITP companies are allowed to migrate to the main board only after three years of listing. Also, the ITP is part of the SME platform and not the main board.
Source: https://economictimes.indiatimes.com/markets/stocks/news/sebi-to-relax-listing-norms-for-start-ups-rename-it-innovators-growth-platform/articleshow/67009665.cms
The ‘Institutional Trading Platform’ created by SEBI to list start-ups was renamed as ‘Innovators Growth Platform’.
The regulator has said the IGP can be designated as the main board platform. Further, start-ups listing on IGP should get an option to trade under regular category on the main board after completion of one year of listing. At present, ITP companies are allowed to migrate to the main board only after three years of listing. Also, the ITP is part of the SME platform and not the main board.
Source: https://economictimes.indiatimes.com/markets/stocks/news/sebi-to-relax-listing-norms-for-start-ups-rename-it-innovators-growth-platform/articleshow/67009665.cms
Consider the following statements with respect to ‘Mandana Paintings’
Select the correct statements
Mandana paintings are wall and floor paintings of Rajasthan and Madhya Pradesh, India. Mandana are drawn to protect home and hearth, welcome gods into the house and as a mark of celebrations on festive occasions. Village women in the Sawai Madhopur area of Rajasthan possess skill for developing designs of perfect symmetry and accuracy. The ground is prepared with cow dung mixed with rati, a local clay, and red ochre. Lime or chalk powder is used for making the motif. Tools employed are a piece of cotton, a tuft of hair, or a rudimentary brush made out of a date stick. The design may show Ganesha, peacocks, women at work, tigers, floral motifs, etc. Such paintings are also called Mandala in most of the parts of Nepal.
Mandana paintings are wall and floor paintings of Rajasthan and Madhya Pradesh, India. Mandana are drawn to protect home and hearth, welcome gods into the house and as a mark of celebrations on festive occasions. Village women in the Sawai Madhopur area of Rajasthan possess skill for developing designs of perfect symmetry and accuracy. The ground is prepared with cow dung mixed with rati, a local clay, and red ochre. Lime or chalk powder is used for making the motif. Tools employed are a piece of cotton, a tuft of hair, or a rudimentary brush made out of a date stick. The design may show Ganesha, peacocks, women at work, tigers, floral motifs, etc. Such paintings are also called Mandala in most of the parts of Nepal.
‘Munroe Thuruthu’ is an inland located in
Munroe Thuruthu
Munroe Thuruthu
‘Central Ground Water Authority (CGWA)’ is constituted under
Central Ground Water Authority (CGWA), constituted under the Environment (Protection) Act of 1986 has the mandate of regulating ground water development and management in the country.
CGWA has been regulating ground water development for its sustainable management in the country through measures such as issue of advisories, public notices, and grant of No- Objection Certificates (NOC) for ground water withdrawal.
Central Ground Water Authority (CGWA), constituted under the Environment (Protection) Act of 1986 has the mandate of regulating ground water development and management in the country.
CGWA has been regulating ground water development for its sustainable management in the country through measures such as issue of advisories, public notices, and grant of No- Objection Certificates (NOC) for ground water withdrawal.
Which of the following are correctly matched?
Select the correct code:
RBI has recently announced ‘External benchmarks for loans’ by banks. It has been planned to be implemented in which of the following sectors:
Select the correct code:
To improve transparency, RBI has said in the recent policy announcement that all the retail loans including home, auto, personal loans and small and medium term enterprises be linked to external benchmarks effective 1st April 2019.
The proposed external benchmarks are repo rate, 91 days treasury bill yield produced by the Financial Benchmarks India Private Ltd (FBIL), 182 days treasury bill yield produced by FBIL or any other benchmark market interest rate produced by the FBIL.
In order to ensure transparency, standardisation, and ease of understanding of loan products by borrowers, a bank must adopt a uniform external benchmark within a loan category; in other words, the adoption of multiple benchmarks by the same bank is not allowed within a loan category. Also banks are supposed to decide a spread on the benchmark and keep it constant for the life of the loan.
This move will indeed improve transparency for the consumers, however it may add a volatility component as the yields of market indices vary on a daily basis. These yields are impacted by many domestic and global factors – foreign investors’ investments in Indian market, liquidity in the economy and global interest rate changes and so on.
Source: https://www.thehindubusinessline.com/money-and-banking/external-benchmarks-for-retail-loans-will-lead-to-higher-earnings-volatility/article25673557.ece
To improve transparency, RBI has said in the recent policy announcement that all the retail loans including home, auto, personal loans and small and medium term enterprises be linked to external benchmarks effective 1st April 2019.
The proposed external benchmarks are repo rate, 91 days treasury bill yield produced by the Financial Benchmarks India Private Ltd (FBIL), 182 days treasury bill yield produced by FBIL or any other benchmark market interest rate produced by the FBIL.
In order to ensure transparency, standardisation, and ease of understanding of loan products by borrowers, a bank must adopt a uniform external benchmark within a loan category; in other words, the adoption of multiple benchmarks by the same bank is not allowed within a loan category. Also banks are supposed to decide a spread on the benchmark and keep it constant for the life of the loan.
This move will indeed improve transparency for the consumers, however it may add a volatility component as the yields of market indices vary on a daily basis. These yields are impacted by many domestic and global factors – foreign investors’ investments in Indian market, liquidity in the economy and global interest rate changes and so on.
Source: https://www.thehindubusinessline.com/money-and-banking/external-benchmarks-for-retail-loans-will-lead-to-higher-earnings-volatility/article25673557.ece
Rudra Sagar Wetland in India under Ramsar Site is located in:
Rudra Sagar Wetland is in Tripura.
There are 27 Indian Wetlands as Wetland of International Importance under Ramsar Sites.
India has designated Sundarban Wetland as a Wetland of International Importance, its 27th.
Rudra Sagar Wetland is in Tripura.
There are 27 Indian Wetlands as Wetland of International Importance under Ramsar Sites.
India has designated Sundarban Wetland as a Wetland of International Importance, its 27th.
Kerch Strait recently in news separates:
The Kerch Strait is a strait connecting the Black Sea and the Sea of Azov, separating the Kerch Peninsula of Crimea in the west from the Taman Peninsula of Russia’s Krasnodar Krai in the east.

Source: https://www.thehindu.com/news/international/ukraine-resumes-grain-shipments-from-azov-sea/article25665700.ece
The Kerch Strait is a strait connecting the Black Sea and the Sea of Azov, separating the Kerch Peninsula of Crimea in the west from the Taman Peninsula of Russia’s Krasnodar Krai in the east.

Source: https://www.thehindu.com/news/international/ukraine-resumes-grain-shipments-from-azov-sea/article25665700.ece
As per recent UNICEF Report consider the following statements:
Which of the given statements is/are correct?
Children, HIV and AIDS: The world today and in 2030
The situation is particularly dire for adolescent girls and adolescents who are members of key populations. Worldwide, an adolescent girl (15-19) was infected every three minutes in 2017.
Adolescent girls account for two out of every three new HIV infections in the 15-19 age group.
Adolescents generally, and adolescent girls and adolescent members of key populations in particular, tend to be the groups at most risk of contracting HIV. They are also least likely to have access to treatment. “Key populations” refers to men who have sex with men, injecting drug users, sexually exploited youth workers, and adolescents who identify as lesbian, gay, bisexual, transgender or intersex.
In 2017, the estimated number of children under 5 years old newly diagnosed with HIV was 43% lower than the comparable estimate in 2010, a decline greater than the 35% recorded globally.
India has highest number of children and adolescents living with HIV in South Asia: UNICEF report.
Source: https://www.thehindu.com/sci-tech/health/india-has-highest-number-of-children-and-adolescents-living-with-hiv-in-south-asia-unicef-report/article25631057.ece
Children, HIV and AIDS: The world today and in 2030
The situation is particularly dire for adolescent girls and adolescents who are members of key populations. Worldwide, an adolescent girl (15-19) was infected every three minutes in 2017.
Adolescent girls account for two out of every three new HIV infections in the 15-19 age group.
Adolescents generally, and adolescent girls and adolescent members of key populations in particular, tend to be the groups at most risk of contracting HIV. They are also least likely to have access to treatment. “Key populations” refers to men who have sex with men, injecting drug users, sexually exploited youth workers, and adolescents who identify as lesbian, gay, bisexual, transgender or intersex.
In 2017, the estimated number of children under 5 years old newly diagnosed with HIV was 43% lower than the comparable estimate in 2010, a decline greater than the 35% recorded globally.
India has highest number of children and adolescents living with HIV in South Asia: UNICEF report.
Source: https://www.thehindu.com/sci-tech/health/india-has-highest-number-of-children-and-adolescents-living-with-hiv-in-south-asia-unicef-report/article25631057.ece
