Banking services chronicle magazine

civil services chronicle Published this article page no 24 Investing in mental health According to estimates Rs 93000 crore will be needed to implement MHCA 2017. This could come from the PM Cares Fund corporate social responsibility initiatives private equity and perhaps a new national lottery. Digitallymediated therapy and telepsychiatry should be scaled up. For eg NIMHANS runs a successful telepsychiatry intervention in Karnataka. Mental health startups and innovations that tap technologies like artificial intelligence machine learning and chatbots must be promoted for increasing awareness and access of services. Building resilience amongst adolescents and young children A systemic approach is needed to build the demand for mental wellbeing just as we broadly introduced sports into schools in the late 1990s. For this Rashtriya Kishor Swasthya Karyakram (National Adolescent Health) programme has been reconfigured to include outreach by counsellors facilitybased counselling social and behavioural change. ELEARNING Why in news The lockdown due to COVID outbreak has altered the traditional teachinglearning mechanisms with the distinctive rise of elearning whereby teaching is undertaken remotely and on digital platforms. More on news By the end of March 2020 over 180 countries had closed down schools affecting over 1.26 billion learners (as per UNESCO). India comprises over 320 million of these learners. Educational institutions in India are using digital technologies to record video lectures of teachers provide notes and content related to the courses to students through email WhatsApp etc. facilitate teacherstudent interaction through platforms such as Zoom WebEx etc. Challenges with elearning Digital Divide According to the Indicators of Household Social Consumption on Education in India report less than 15% of rural Indian households have Internet connection (as opposed to 42% urban Indian households). Those with no access to the internet are still excluded from quality learning. Further classes at times get disturbed due to connectivity issues. As per NSSO data only 4.4% of rural households and 23.4% of urban households have computerlaptop. Thus 75% of students are using smartphones to watch online classes. Teachers are apprehensive about students using smartphones because of distracting apps. Difficult for parents to adjust to the online system. Parents complain of increased screen time for children arent comfortable with technology themselves and increased pressure from the added household work due to the absence of domestic help adds to their problem civil services chronicle buy.

civil services chronicle

civil services chronicle Published this article page no 23 WHO Department of Mental Health and Substance Use has issued guidelines as a series of messages that can be used in communications to support mental and psychosocial wellbeing in different target groups during the outbreak. MoHFW also issued Guidelines Minding our minds during the COVID19 to deal with mental health issues. o Do not follow sensational news or social media posts which may impact your mental state. Do not spread or share any unverified news or information further. o Feeling lonely or sad is also quite common. Stay connected with others. Communication can help you to connect with family and friends. o Distract yourself from negative emotions by listening to music reading watching an entertaining programme on television o Avoid tobacco alcohol and other drugs. Use of tobacco or alcohol or other drugs to cope with emotions or boredom can worsen physical mental health and reduce immunity. Manodarpan an initiative by Ministry of Human Resource Development as part of Atma Nirbhar Bharat Abhiyan to provide psychological support and counselling to students teachers and families for mental health and emotional wellbeing. 56 o India can appoint a minister with a Cabinet rank as head of mental health and wellbeing and create an emergency task force of public health experts in creating and executing evidencebased interventions civil services chronicle buy.

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Monday, June 27, 2022

meri saheli magazine

meri saheli magazine

meri saheli magazine Published this article page no 21 Allegations of white phosphorus munitions being used by Russia and Ukraine are emerging. What is white phosphorus? It is a colourless white or yellow waxy solid. Occurrence It does not occur naturally. It is manufactured using phosphate rocks. It is a highly combustible substance that reacts with oxygen in the air. It can catch fire at temperatures as low as 10 to 15 degrees above room temperature. Due to its combustible nature every country has strict regulations regarding its manufacturing and handling. Applications It is used mainly in the military and other applications may include as a component in fertilisers food additives and cleaning compounds. Initially it was also used in pesticides and fireworks but many countries have banned its use in several sectors. Is White Phosphorus an incendiary or chemical weapon? WP has not been categorised as an incendiary or chemical weapon by international agencies. The Organisation for the Prohibition of Chemical Weapons which is an intergovernmental organisation and the implementing body for the Chemical Weapons Convention has not listed WP in any of the three Schedules of Chemical Weapons. However the United Nations considers it as an incendiary chemical. The general regulations of Protocol III on Prohibitions or Restrictions on the Use of Incendiary Weapons may apply when it is used in military actions. Protocol III specifically mentions it is not applicable on munitions that are illuminants tracers smoke or signalling systems thus making it confusing for many if the use of WP can be considered a war crime or not. Protocol III specifically does not ban the use of White Phosphorous in military action. It only restricts its use near the civilian population. Concerns The main reason behind WP being considered incendiary is its effect on humans. When WP comes in contact with the human skin it can cause both thermal and chemical burns. It can produce several chemicals when it comes in contact with the skin such as phosphorus pentoxide that reacts with water in the skin and produces phosphoric acid that is highly corrosive meri saheli magazine buy.

meri saheli magazine

shine india monthly magazine

shine india monthly magazine

shine india monthly magazine Published this article page no 16 However there is a risk of military or political abuse. For example the corridors can be used to smuggle weapons and fuel into besieged cities. Who gets access? Access to humanitarian corridors is determined by the parties to the conflict. Its usually limited to neutral actors the UN or aid organizations such as the Red Cross. They also determine the length of time the area and which means of transport — trucks buses or planes — are allowed to use the corridor. In rare cases humanitarian corridors are only organized by one of the parties to the conflict. This happened with the American airlift after the Berlin blockade by the Soviet Union in 19481949. The latest edition of Democracy Report was released recently by the VDem Institute at Swedens University of Gothenburg. The study was titled Democracy Report 2022 Autocratisation Changing Nature? About the report The report classifies countries into four regime types based on their score in the Liberal Democratic Index (LDI) Liberal Democracy Electoral Democracy Electoral Autocracy and Closed Autocracy. General Observations More than twice as many countries are undergoing Autocratisation as are witnessing democratization. The level of democracy enjoyed by the average global citizen in 2021 is down to 1989 levels with the democratic gains of the postCold War period eroding rapidly in the last few years. Autocratisation is spreading rapidly with a record of 33 countries autocratising. The level of democracy enjoyed by the average global citizen in 2021 is down to 1989 levels shine india monthly magazine buy.

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Friday, June 24, 2022

meri saheli magazine online

meri saheli magazine online

meri saheli magazine online Published this article page no 31 Surat was plundered by him for the second time in 1670.He also captured all his lost territories by his conquests.In 1674 Shivaji crowned himself at Raigarh and assumed the title Chatrapathi. Administrative Policies He laid the foundations of a sound system of administration. The king was the pivot of the government. He was assisted by a council of ministers called Ashtapradhan.Peshwa – Finance and general administration. Later he became the prime minister.SariNaubat or Senapati – Military commander an honorary post.Amatya – Accountant General.Waqenavis – Intelligence posts and household affairs.Sachiv – Correspondence.Sumanta – Master of ceremonies.Nyayadish – Justice.Panditarao – Charities and religious administration. Revenue PoliciesLands were measured by using the measuring rod called kathi. Lands were also classified into three categories – paddy fields garden lands and hilly tracks.Taxes Chauth and sardeshmukhi were the taxes collected not in the Maratha kingdom but in the neighbouring territories of the Mughal empire or Deccan sultanates. 11 ○ Chauth was one fourth of the land revenue paid to the Marathas in order to avoid the Maratha raids. ○ Sardeshmukhi was an additional levy of ten percent on those lands which the Marathas claimed hereditary rights. Shivaji was a man of military genius and his army was well organized There were two divisions in the Maratha cavalryBargirs equipped and paid by the stateSilahdars maintained by the nobles. In the infantry the Mavli foot soldiers played an important role. Insta Curious Do you know about Taanaji Malusare and the Battle of Singhagad? Reference read this meri saheli magazine online buy.

meri saheli magazine online

shine india subscription

shine india subscription Published this article page no 30 4. Row over the Shivaji statue in Telanganas Bodhan town Context Section 144 has been imposed in Bodhan town in Telangana after protests turned violent over the installation of a statue of Chhatrapati. 10 About Shivaji Born at Shivner in 1627. Father Shahji Bhonsle. Mother Jija Bai. Inherited the jagir of Poona from his father in 1637. Achievements of Chhatrapati Shivaji Initial phaseHe first conquered Raigarh Kondana and Torna from the ruler of Bijapur.After the death of his guardian Dadaji Kondadev in 1647 Shivaji assumed full charge of his jagir.He captured Javli from a Maratha chief Chanda Rao More. This made him the master of Mavala region.In 1657 he attacked the Bijapur kingdom and captured a number of hill forts in the Konkan region.The Sultan of Bijapur sent Afzal Khan against Shivaji. But Afzal Khan was murdered by Shivaji in 1659 in a daring manner. Military Conquests of ShivajiShivajis military conquests made him a legendary figure in the Maratha region. The Mughal emperor Aurangazeb was anxiously watching the rise of Maratha power under Shivaji.Aurangzeb sent the Mughal governor of the Deccan Shaista Khan against Shivaji. Shivaji suffered a defeat at the hands of the Mughal forces and lost Poona.But Shivaji once again made a bold attack on Shaista Khans military camp at Poona in 1663 killed his son and wounded Khan.In 1664 Shivaji attacked Surat the chief port of the Mughals and plundered it.A second attempt was made by Aurangzeb to defeat Shivaji by sending Raja Jai Singh of Amber. He succeeded in besieging the fort of Purander. Treaty of Purander 1665According to the treaty Shivaji had to surrender 23 forts to the Mughals out of 35 forts held by him.The remaining 12 forts were to be left to Shivaji on condition of service and loyalty to Mughal empire.On the other hand the Mughals recognized the right of Shivaji to hold certain parts of the Bijapur kingdom. Renewed war against Mughals shine india subscription buy.

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banking service chronicle magazine

banking service chronicle magazine

banking servicechronicle magazine Published this article page no 14 Tarapur Massacre Bihar will commemorate February 15 as Shahid Diwas in memory of the 34 freedom fighters who were killed by the British in Tarapur (1932).It was the biggest massacre carried out by the British after the Jallianwala Bagh Massacre (Amritsar 1919).It happened when a group of young freedom fighters planned to hoist an Indian national flag at Thana Bhavan during a protest. Causes of protestArrest of Mahatma Gandhi following collapse of the GandhiIrwin Pact (1932).Hanging of Bhagat Singh Sukhdev and Rajguru in Lahore (1931).Arrest of Nehru Patel and Rajendra Prasad. Falkland islands China has backed Argentinas claim over Britishrun Falkland Islands. LocationFalkland islands are an overseas territory of the United Kingdom located to the southwest Atlantic Ocean at the southernmost point of South America.Positioned both in the southern and western hemispheres of the Earth. 159They are also called Malvinas Islands. Argentinas claimsThe British in 1765 were the first to settle West Falkland but they were driven off in 1770 by the Spanish.The British outpost on West Falkland was restored in 1771 after threat of war but then the British withdrew from the island in 1774 for economic reasons without renouncing their claim to the Falklands.Spain maintained a settlement on East Falkland (which it called Soledad Island) until 1811.In 1820 the Argentina Government which had declared its independence from Spain in 1816 proclaimed its sovereignty over the Falklands. Despite wars and discussions at the United Nations the issue of sovereignty remains a point of contention. Crytodactylus exercitus A team of herpetologists have recorded a new species of benttoed gecko from a wooded part of the Umroi Military Station in Meghalaya.Its scientific name is Crytodactylus exercitus and English name is Indian Armys benttoed gecko.India is now home to 40 species of the benttoed gecko with the northeast accounting for 16 of them. Great Backyard Bird Count (GBBC) The GBBC is a global event entailing backyard bird count and is being held for four days across the world from February 18 to 21 and the data uploaded will be harnessed for conservation.It is an online citizen science or community science project that was first launched in 1998 by Cornell Lab of Ornithology and National Audubon Society.It is being coordinated in India by ebird India and BirdcountIndia.The exercise helps to provide a snapshot of the bird population and throws light on the ecosystem supporting itbanking service chronicle magazine buy.

banking service chronicle magazine

Wednesday, June 22, 2022

junior science refresher magazine

junior science refresher magazine Published this article page no 45 WholeofGovernment Focus The objectives outlined in Indias Arctic Policy are to be implemented through an Action Plan and a governance and review mechanism consisting of an interministerial Empowered Arctic Policy Group (EAPG) This mechanism is likely to enable better analysis prediction and coordinated approach in the Government of India lend policy coherence to the region and will result in better realisation of Indias strategic military and economic interests. On the whole Indias Arctic Policy is timely and is likely to provide a direction to Indias policymakers on contours of Indias engagement with the region. It is the first step towards developing a wholeofgovernment approach on Indias engagement with the region. The Policy is likely to have a multiplier effect towards a more synergised and focused scientific research including an enhanced understanding of linkages between monsoons and climate change in the Arctic and between polar studies and the Himalayas. Thus Indias Arctic Policy is deftly dovetailed enmeshed and in synergy with the broader policy framework of the Government of India World over activists of Extinction Rebellion are staging protests in various formats. What is the Extinction Rebellion also referred to as XR? Initially launched in the United Kingdom on October 31 2018 as a response to a report by the United Nations Intergovernmental Panel on Climate Change (IPCC). Now it is a global movement which seeks to rebel and asks groups to selforganise without the need for 160 anyones permission to come up with collective action plans as long as they adhere to the groups core principles and values. It is a decentralised international and politically nonpartisan movement using nonviolent direct action and civil disobedience to persuade governments to act justly on the Climate and Ecological Emergency. The group has three core demands of governments around the world junior science refresher magazine buy.

junior science refresher magazine

junior science refresher magazine Published this article page no 44 Enhancing understanding of the impact of climate change in the Arctic on Indias climate economic and energy security. 159 Contributing better analysis prediction and coordinated policymaking on the implications of ice melting in the Arctic on Indias economic military and strategic interests related to global shipping routes energy security and exploitation of mineral wealth. Studying linkages between polar regions and the Himalayas. Deepen cooperation between India and countries of the Arctic region under various Arctic forums drawing expertise from scientific and traditional knowledge. Increase Indias participation in the Arctic Council and improve understanding of the complex governance structures in the Arctic relevant international laws and geopolitics of the region Does this Indias Arctic Policy Address the Gaps? Scientific Orientation Indias Arctic Policy has gone beyond the hithertofore purely scientific approach. While the primary focus is still scientific the six pillars address all the aspects of Arctic relevant to India including climate change and environment economic and human resources and geopolitical and strategic aspects. This would likely make Indias engagement with the Arctic more broadbased and enable a holistic approac Funding The Policy declares that its implementation will be based on allocation of requisite resources. With the enhancement of a multidisciplinary approach to the Arctic it is hoped that budgetary support to Indias scientific Arctic endeavours will be substantially augmented. Polar Research Vessel The intent articulated in the Arctic Policy of acquiring a dedicated iceclass Polar Research Vessel will hasten the process and provide impetus to Indias Arctic Programme junior science refresher magazine buy.

Thursday, June 16, 2022

pratiyogita darpan hindi

pratiyogita darpan hindi

pratiyogita darpan hindi Published this article page no 110 Features Lending of small amounts of loans without any collateral and flexible repayment schedule. Origin Microfinance largely originated from works of NGOs with Bangladesh Grameen Bank as first microfinance institution in 1983. Indian Microfinance Unlike a parallel evolution in other parts Indian microfinance evolved in relationship with public banks though linkage between SelfHelp Groups (SHGs) NGOs and banks. Starting from SHGBank linkage programme of 1992 Indian microfinance movement is now worlds largest with nearly 102 million accounts and outstanding credit of over 1 lakh crore. Apart from SCBs small finance banks RRBs Cooperative banks NBFCs and NBFCMFIs also provide microfinance. o NBFCMFI is a nondeposit taking NBFC with minimum net owned fund of 5 crore (2 crore for NBFCMFIs registered in the North Eastern Region) and having minimum 85 per cent of its net assets (assets other than cash bank balances and money market instruments) in the nature of qualifying assets Proposed framework for Regulation of MFIs Single uniform set of regulations for all Regulated entities (REs) of RBI with changes as Parameters Existing Regulatory framework for NBFCMFIs Proposed changes in regulatory framework Definition of Microfinance borrower Borrower with annual household income not exceeding 125000 for rural and 200000 for urban and semiurban areas. Same criteria shall be extended to all REs for the purpose of the common definition with addition of Board approved policy from all REs enumerating factors considered for assessment of household income. Limits on household indebtedness Total indebtedness of the borrower does not exceed 125000 (excluding loan for education and medical expenses). Link the loan amount to household income in terms of debtincome ratio with all REs to ensure that the EMI a household has to pay does not exceed 50% of its income. Nature of loans Collateral free loans without any prepayment penalty pratiyogita darpan hindi buy.

pratiyogita darpan hindi

engineering success review

engineering success review Published this article page no 117 FINANCIAL MARKETS 3.2.1. SOCIAL STOCK EXCHANGE Why in News? After recommendations of the technical Group Securities and Exchange Board of India (SEBI) has laid the framework for Social Stock Exchanges (SSE). About Social Stock Exchanges (SSE) SSE functions as a regulated funding platform to allow ForProfit Social Enterprises (FPEs) and notforprofit organizations (NPO) with a social purpose to raise funds. o At present avenues through which the social sector (FPEs and NPO) receive funding include Corporate Social Responsibility (CSR) impact investing philanthropicGovernment grants etc. At SSE impact investors can buy stake in the form of bonds from listed organizations. It provides a mechanism to preserve the social and environmental mission of the organizations giving the investors opportunities to mitigate socioeconomic problems through investments that also have the potential to produce financial returns. Examples of prominent SSEs UK (Social Stock Exchange) Canada (Social Venture Connexion) South Africa (South African Social Investment Exchange) Singapore (Impact Investment Exchange). Framework for SSE includes SSE will work under the regulatory ambit of SEBI as a separate segment of the existing stock exchanges. Based on 15 broad eligible social activities approved by SEBI NPOs engaged in those activities may raise funds through equity Zero Coupon Zero Principal Bonds Mutual Funds etc. after registering with SSE. SEBI will engage with NABARD SIDBI and stock exchanges towards instituting a capacitybuilding fund with a corpus of 100 crore. Social audit shall be mandated for social enterprises raising fundsregistered on SSE. Why do we need an SSE? Improved market access to capital for enterprises that seek to deliver a positive change in society. Improved Transparency and accountability with Better Project Implementation due to monitoring. Help government in achieving the developmental goals by leveraging private sector participation engineering success review buy.

engineering success review

engineering success review Published this article page no 119 Sweat equity refers to shares issued by a company to its employees for noncash consideration. Startups and promoters typically use it to fund their companies T+1 Settlement Cycle SEBI (Securities and Exchange Board of India) has introduced an optional T+1 settlement cycle for the markets. To come into force on January 01 2022 T+1 means that settlements will have to be cleared within one day of the actual transactions taking place. Potential benefits Increased market liquidity and trading turnover with reduced settlement risk and broker defaults 3.2.3. BONDS IN NEWS Indias first Eurodenominated Green Bond Recently Power Finance Corporation Ltd (PFC) leading NBFC in power sector issued Indias first €300 million 7year Euro Green Bond. In green bonds the money raised by the issuer are earmarked towards financing `green projects like renewable energy clean transportation etc. Started by development banks like European Investment Bank and World Bank in 2007 the first ever green bond of India was launched by Yes Bank in 2015. Floating Rate Funds Floating rate funds are those funds who buy bonds with changing interest rates according to the changing rates in the economy. Seen huge inflows in recent months due to expectations of rise in interest rates floating rates insulate investors from losses due to rate hikes. According to SEBI rules 65% of the corpus of floating rate funds must be invested in floating rate instruments. Social Impact Bonds SIB is a contract with public sector or governing authority whereby it pays for better social outcomes in certain areas and passes on part of savings achieved to investors. SIB is not a bond per se since repayment and return on investment depend upon achievement of desired social outcomes if objectives are not achieved investors receive neither a return nor repayment of principal. It is also known as PayforSuccess contracts. The Pimpri Chinchwad Municipal Corporation (PCMC) in Maharashtras Pune district signed a Memorandum of Understanding (MoU) with the United Nations Development Programme (UNDP) India to cocreate Indias first Social Impact Bond (SIB). Inflation Index Bonds (IIB) Amid hardening inflation RBI asked financial institutions to sense the possible demand for IIB. o Globally IIBs were first issued in 1981 in UK. In India RBI issued IIBs (linked to WPI) in 2013. IIB provides the investor a constant return irrespective of the level of inflation in the economy engineering success review buy.

Saturday, June 4, 2022

junior science refresher

junior science refresher

junior science refresher Published this article page no 140 ENVIRONMENT EXTENDED PRODUCERS RESPONSIBILITY ON PLASTIC PACKAGING Why in news? Recently Ministry of Environment Forest and Climate Change has notified the Guidelines on Extended Producers Responsibility (EPR) on plastic packaging under Plastic Waste Management Rules 2016. More about news The guidelines on EPR coupled with prohibition of identified single use plastic items are important steps for reducing pollution caused due to littered plastic waste in the country. As per the new notification the Government has announced setting up of a committee which shall be constituted by the Central Pollution Control Board (CPCB) under chairpersonship of CPCB chairman to recommend measures to the Environment ministry for effective implementation of EPR including amendments to EPR guidelines. o It will strengthen circular economy of plastic packaging waste promote development of new alternatives to plastics and provide steps for moving towards sustainable plastic packaging by businesses. What is EPR? Extended producer responsibility (EPR) is a critical policy mechanism that helps advance the circular economy decreases the environmental impact from a product and its packaging and promotes the principle of “polluter pays” by holding the producer accountable for the entire lifecycle of the product. o EPR programs ensure that the producers manufacturers brand owners and first importers of products and packaging are given the legal responsibility for collection recycling and endoflife management of materials. EPR policies and programs are well established in Europe Canada Japan and South Korea for a wide range of products. The Plastic Waste Management Rules 2016 introduced the concept of EPR to manage plastics in India. o The Plastic Waste Management Rules 2016 mandate the generators of plastic waste to take steps to minimize generation of plastic waste not to litter the plastic waste ensure segregated storage of waste at source and hand over segregated waste in accordance with rules. New Guidelines of EPR With respect to plastic packaging the EPR covers reuse recycling use of recycled plastic content and end of life disposal by producers importers and brandowners junior science refresher magazine buy.

junior science refresher

Wednesday, June 1, 2022

competition in focus

competition in focus published this article page no 14 despite the reduced size the lic ipo is still expected to be the largest so far in the country. the government plans to raise at least rs 0. crore by selling of . percent of its equity stake or . crore shares of lic. this is though lower than the earlier projection of rs 0000 crore. out of the total . crore shares offered for sale around . crore shares have been reserved for the anchor investor portion while the employee reservation portion has been marked at . million and policyholder reservation is at . million. lic has reserved half of the shares for qualified institutional buyers qib about percent of the shares have been reserved for noninstitutional investors and the rest for retail investors. the lic policyholders will get a discount of rs 0 per equity share while the retail investors and employees will get a discount of rs 0 per equity share. the securities and exchange board of india sebi had approved lics initial public offering proposal earlier in february. the centre had initially wanted to list lic ipo in the last financial year which ended on march but had to delay the sale of the shares amid the market dip triggered by the russiaukraine war competition in focus buy.

competition in focus

competition in focus published this article page no 13 it will redirect you to another tab where you have to enter your details including full name email mobile number gender country state and city to register yourself. . those who wish to book their stall can do so by clicking on the option on the main page and entering the required details. lic is set to hold a press conference today ahead of its mega ipo launch on may 0. the muchawaited lic ipo will open on may and remain open for interested investors till may 0. the centre which wholly owns the life insurance corporation of india plans to sell . percent of the shares during the mega ipo launch. the lic ipo size has been reduced from the earlier percent mentioned in the previous draft red herring prospectus drhp competition in focus buy.