RBI PIB POWER PLAY JULY WEEK IV 2025 C4S

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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S

Contents
1. RBI Working Papers on Farmers’ Share in Consumer Rupee ............................................................. 6
2. Crop Insurance – Pradhan Mantri Fasal Bima Yojana (PMFBY) .......................................................... 6
3. Small Farmer Welfare ..................................................................................................................... 6
4. GST / Taxation on Agricultural Implements ....................................................................................... 7
5. IP Filing .......................................................................................................................................... 7
6. ONDC ............................................................................................................................................ 8
7. Buffer Norms .................................................................................................................................. 9
8. Vaikunth Mehta National Institute of Cooperative Management (VAMNICOM) .................................. 9
9. World’s Largest Grain Storage Plan in Cooperative Sector (2023 onwards): ....................................... 9
10. Ashok Pillar ................................................................................................................................ 10
11. Gross NPA Reduced .................................................................................................................... 11
12. Average Inflation rate .................................................................................................................. 11
13. National Sickle Cell Mission ........................................................................................................ 12
14. PM EDRIVE SCHEME ................................................................................................................... 12
15. Women & Wages in MGNREGA .................................................................................................... 13
16. DAY NRLM .................................................................................................................................. 14
17. 10 Years of Skill India .................................................................................................................. 14
18. Welfare support for weavers ........................................................................................................ 15
19. Pratibha Setu .............................................................................................................................. 15
20. Bharatiya Antariksha Station (BAS): ............................................................................................. 16
21. GLEX-2025 (Global Space Exploration Conference): .................................................................... 16
22. NAVIC ........................................................................................................................................ 16
23. DHRUVA Policy ........................................................................................................................... 16
24. United Nations – International Year of Cooperatives (IYC) 2025 (India’s initiatives): ....................... 16
24. Tribhuvan” Sahkari University (TSU) ............................................................................................. 17
25. World Food India 2025 – Key Points ............................................................................................. 17
26. VIGYAN DHARA SCHEME ............................................................................................................ 17
27. Government Schemes to Boost Women’s Participation in R&D ..................................................... 17
28. India Skills Accelerator (MSDE–WEF Initiative) ............................................................................. 17
29. Skill ............................................................................................................................................ 18
30. Pradhan Mantri Kaushal Vikas Yojana (PMKVY) ............................................................................ 18
31. SEED .......................................................................................................................................... 18
32. Amazon Future Engineer (AFE) programme .................................................................................. 19
33. DhartiAabaTribePreneurs 2025 Highlights .................................................................................... 19
34. Palna Scheme ............................................................................................................................ 19
35. Art .............................................................................................................................................. 19
36. CETA .......................................................................................................................................... 20
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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S
37. Key Features National Cooperation Policy ................................................................................... 20
38. Forestation ................................................................................................................................. 20
39. National Action Plan on Climate Change (NAPCC) ....................................................................... 21
40. India’s first, endorsed by WOAH .................................................................................................. 21
41. Coverage of Har Ghar Jal ............................................................................................................. 21
42. PM KSY ....................................................................................................................................... 21
43. Employment database ................................................................................................................ 22
44. Eshram Portal ............................................................................................................................. 22
45. Export promotion of MSME .......................................................................................................... 23
46. Bima Sakhi Yojna ........................................................................................................................ 23
47. INSPIRE – MANAK Programme ..................................................................................................... 23
48. Commemorative stamps ............................................................................................................ 24
49. Drone Subsidy ............................................................................................................................ 24
50. Workforce in Agriculture.............................................................................................................. 24
51. Key Government Schemes for Agriculture (as of June 2025) ......................................................... 24
52. CROPIC (Collection of Real-Time Observations and Photographs of Crops) .................................. 25
53. PMFBY........................................................................................................................................ 25
54. Startup Funds ............................................................................................................................. 26
55. Project Swavalambini (Women Entrepreneurship Focus) ............................................................. 26
56. Atal Pension Yojana (APY) – 10th Anniversary Update (2025) ........................................................ 27
57. PMAY-G ...................................................................................................................................... 27
58. Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS) ............................ 27
59. Pradhan Mantri Awaas Yojana – Gramin (PMAY-G): Landless Beneficiaries .................................... 28
60. Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM)............................ 29
61. Sohrai Art ................................................................................................................................... 29
62. Exercise Bold Kuruschetra........................................................................................................... 30
[Link] Digital Credit Assessment Model for MSMEs ......................................................................... 30
64. Digital Payments Ecosystem – Update 2025 ................................................................................ 30
65. Jal Jeevan Mission (JJM) – Update 2025 ........................................................................................ 31
66. MSME Export Promotion.............................................................................................................. 31
67. Skill India Mission (SIM) – 2025 Update ....................................................................................... 32
68. SKILL INDIA Mission SIM ............................................................................................................. 33
69. Namo Drone Didi Scheme – 2023-26 ........................................................................................... 34
70. Jan Aushadi Scheme ................................................................................................................... 34
71. PM-DAKSH Scheme (Pradhan Mantri Dakshta Aur Kushalta Sampann Hitgrahi Yojana) ................. 35
72. Samarth Scheme (Scheme for Capacity Building in Textiles Sector) .............................................. 35
73. Green Steel Taxanomy ................................................................................................................ 35
74. NCDC Schemes for Women Cooperatives ................................................................................... 36
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75. India’s Resolution at Ramsar COP-15 .......................................................................................... 36
76. Banking Laws (Amendment) Act, 2025 ........................................................................................ 36
77. Grant-in-Aid to NCDC (2025–29) ................................................................................................. 37
[Link] Afforestation Fund Management and Planning Authority (CAMPA) .......................... 37
79. India–Morocco MLAT (Mutual Legal Assistance Treaty) ................................................................. 38
80.11th National Handloom Day – 7 August 2025 .............................................................................. 38
81. What is NSTFDC?........................................................................................................................ 38

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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S
1. RBI Working Papers on Farmers’ Share in Consumer Rupee
(a) Vegetables: Tomato, Onion, Potato (TOP)
• Tomato: 33%
• Onion: 36%
• Potato: 37%
(b) Fruits: Banana, Grapes, Mango
• Banana: 31%
• Grapes: 35%
• Mango: 43%
Farmers’ share influenced by:
• Number of intermediaries in marketing channels.
• High perishability.
• Marketing costs & margins.

2. Crop Insurance – Pradhan Mantri Fasal Bima Yojana (PMFBY)

• Coverage: Comprehensive from pre-sowing to post-harvest.
• Risks covered: Floods, drought, cyclones, hailstorms, pests, cloudbursts, inundation,
unseasonal rains, prevented sowing.
• Recent Tech & Reforms:
o YES-Tech → yield estimation.
o WINDS → hyper-local weather database.
o Digi-Claim Payment Module → real-time claim tracking.
o AIDE App → door-step farmer enrolment.
o Krishi Rakshak portal & helpline 14447 for grievances.
o Revised guidelines: 2018, 2022, 2023.
o Awareness campaigns: Meri Policy Mere Hath, Fasal Bima Pathshala.

3. Small Farmer Welfare

1. Disaster Management & Relief Funds
National Disaster Management Plan (NDMP)
• Primary responsibility: Disaster management, damage assessment & ground-level relief lies
with State Governments.
• Central Govt role: Provides logistics + financial support.
• Funds:
o State Disaster Response Fund (SDRF) → For 12 notified natural disasters, relief is given
as per GoI norms.
o National Disaster Response Fund (NDRF) → For disasters of severe nature.
▪ Financial assistance given after assessment by Inter-Ministerial Central Team
(IMCT).
• Note: Assistance from SDRF/NDRF = relief, not compensation.

2. Modified Interest Subvention Scheme (MISS)

• Nature: 100% Centrally funded Central Sector Scheme.
• Coverage: Pan-India via Kisan Credit Cards (KCC).
Benefits:
• Short-term agri loans:
o Interest rate = 7% (subsidized).

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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S
o Banks get 1.5% upfront Interest Subvention (IS).
• Prompt Repayment Incentive (PRI):
o 3% incentive for timely repayment.
o Effective interest rate = 4% p.a. for prompt payers.
In case of natural calamities:
• Restructured loans: IS given for first year (normal bank interest rate applies from 2nd year).
• Severe calamities: IS + PRI extended for up to 5 years, based on IMCT assessment & SC-NEC
approval.

3. Collateral-free Loan Limit

• Enhanced w.e.f. 1 January 2025.
• From ₹1.6 lakh → ₹2 lakh per borrower.
• Covers: Agriculture + Allied activities.
• Aim: Adjust to inflation & rising input costs.

4. Mass Media Support to Agriculture Extension

• Scheme type: Central Sector.
• Channels used:
o TV/Radio: DD Regional Kendras (18), DD Kisan, AIR FM stations (97).
o Print media: Advertisements in leading newspapers.
o Outdoor publicity: Hoardings, posters, etc.
o Social Media: Facebook, X, Instagram, Threads, YouTube, LinkedIn, WhatsApp, Public
App.
• Tools:
o Audio-Visual spots (broadcast & telecast of advisories/schemes).
o Focused Publicity & Awareness Campaign.
• Objective: Wider outreach, farmer awareness about govt. schemes, policies, and advisories.

4. GST / Taxation on Agricultural Implements

• Hand tools & animal-driven tools: Exempt from GST
• Machinery for soil preparation & harvesting: taxed at 12%
• Machines for cleaning & sorting produce: taxed at 18%

5. IP Filing
IP Filings Growth (2020–21 → 2024–25): ↑44% (4,77,533 → 6,89,991)
• GI: ↑380% (highest)
• Designs: ↑266%
• Patents: ↑180%
• Copyright: ↑83%
• Trademarks: ↑28%
• SICLD: ↑20%
Patents Reforms:
• Exam request timeline reduced: 48 → 31 months
• Online filing mandatory (10% fee rebate)
• Grace period & Certificate of Inventorship introduced
• Renewal fee rebate (10% for 4+ years advance online)
• Simplified working statement (once every 3 years)

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6. ONDC
• Launched: April 2022 by DPIIT, Ministry of Commerce & Industry.
• Nature: Not a marketplace → open protocol-based network (like UPI for e-commerce).
• Objective: Democratize digital commerce, reduce dominance of big platforms, empower
MSMEs, kirana shops, FPOs.
• Technology: Built on Beckn protocol (open-source, interoperable).

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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S
• Functions Covered: Product discovery, ordering, payments, logistics, grievance redressal.
• Domains: Retail, food & grocery, mobility (ride-hailing), travel, logistics, financial products.
• Cross-Border Pilot: First transaction with Singapore’s Proxtera in Jan 2024.
• Adoption Push: Incentives/subsidies for food delivery & logistics; onboarding FPOs and SMEs.
• Benefits: Lower commissions, wider reach for sellers, consumer choice, transparency.
• Challenges: Logistics integration, seller onboarding, consistent user experience, building trust.
• Recent Update (2025): Expansion into mutual funds, metro ticketing (Mumbai OneTicket), and
support schemes for F&B, grocery, D2C sectors.

7. Buffer Norms
• Buffer Norms are the minimum foodgrain stock levels (rice & wheat) that the Central
Government (FCI – Food Corporation of India) must maintain in the Central Pool at the beginning
of each quarter.
• These norms ensure:
o Food Security – for PDS (Public Distribution System) & welfare schemes
o Price Stability – through market interventions (Open Market Sales Scheme – Domestic)
o Emergency Reserves – to handle droughts, natural disasters, or unexpected demand
Review & Revision
• Fixed by the Government of India based on consumption needs, procurement trends, and
buffer requirements.
• Norms are reviewed periodically (usually every 5 years) to align with demand & supply
conditions.
Buffer Norms & Stock Position (as on 1 July 2025)
• Buffer norms (central pool stocks) are:
• Rice: 135.40 lakh tonnes
• Wheat: 275.80 lakh tonnes
• Total buffer stocks (Rice + Wheat): 411.20 lakh tonnes
• Actual stocks in the Central Pool (as on 1 July 2025):
• Rice: 377.83 lakh tonnes
• Wheat: 358.78 lakh tonnes
• Total: 736.61 lakh tonnes
Conclusion: Stock levels are well above buffer norms (i.e. surplus) for both rice and wheat.

8. Vaikunth Mehta National Institute of Cooperative Management (VAMNICOM)

Pune

9. World’s Largest Grain Storage Plan in Cooperative Sector (2023 onwards):

Background & Launch

• Approved on 31 May 2023 by the Government of India.
• Aim: Create world’s largest decentralized grain storage system at PACS level (Primary
Agricultural Credit Societies).
• Implemented as a Pilot Project initially.
Infrastructure under the Plan
• At PACS level:
o Godowns (storage)
o Custom Hiring Centers
o Processing Units

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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S
o Fair Price Shops
• Convergence of multiple GoI schemes:
o Agriculture Infrastructure Fund (AIF)
o Agricultural Marketing Infrastructure Scheme (AMI)
o Sub-Mission on Agricultural Mechanization (SMAM)
o PM Formalization of Micro Food Processing Enterprises (PMFME)
Target
• Target: Complete construction by December 2026.
Multipurpose PACS / Dairy / Fisheries Cooperatives
• Plan: Establish new multi-purpose cooperatives in all panchayats/villages over 5 years.
• Supported by: NABARD, NDDB, NFDB, State/UT Govts.
• ‘Margadarshika’ guidelines launched on 19 Sept 2024 with targets & timelines.
Computerization of PACS
• Financial outlay: ₹2,925.39 crore.
• Goal: Bring all PACS on a common ERP-based national software.
• Linked with NABARD through StCBs (State Co-operative Banks) & DCCBs (District Central Co-
op Banks).

PACS as Multi-Service Hubs

• PACS as Common Service Centres (CSCs):
o Deliver 300+ e-services – banking, insurance, bill payments, health, legal, etc.
o 47,918 PACS already functioning as CSCs.
• PACS as PM Kisan Samriddhi Kendras (PMKSK):
o Supply fertilizers, pesticides, agri-inputs under one roof.
o 36,592 PACS upgraded into PMKSKs.
• PACS as Pradhan Mantri Bhartiya Janaushadhi Kendras (PMBJK):
o Ensure affordable generic medicines in rural areas.
o 762 PACS got store codes from PMBI to operate PMBJK.

Energy & Fuel Related Roles

• Retail Petrol/Diesel Outlets:
o PACS included in Combined Category-2 (CC2) for allotment.
• Conversion of Bulk Consumer Pumps into Retail Outlets:
o One-time option by OMCs.
o 117 PACS gave consent; 59 PACS commissioned as retail outlets.
• LPG Distributorship:
o PACS eligible to apply for LPG distributorship → diversifying income streams.
Water & Renewable Energy Roles
• Operations & Maintenance (O&M) of Piped Water Supply Schemes:
o 539 PACS identified by 8 States/UTs for rural O&M services.
• PM-KUSUM Convergence:
o PACS to promote solar pumps & photovoltaic module installations.
• PM Surya Ghar – Muft Bijli Yojana:
o Extended to cooperative societies for rooftop solar adoption.

10. Ashok Pillar

A Replica of the Ashoka pillar, built in the sacred premises of Waskaduwa Sri Subhuthi Viharaya was unveiled on
21st July 2025. It is a Buddhist temple situated in the city of Waskaduwa, in Kalutara district, a Southern Province
of Sri Lanka, about 42km south of Colombo, Sri Lanka

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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S
11. Gross NPA Reduced

• IBC: Changed creditor–borrower relationship; control shifts from promoters to creditors.

• Wilful defaulters: Barred from resolution process.
• Personal guarantors: Now under IBC ambit.
• SARFAESI & RDDB Acts: Amended to strengthen recovery.
• DRT pecuniary limit: Raised from ₹10 lakh → ₹20 lakh (focus on high-value cases).
• PSBs: Specialized stressed asset management verticals/branches set up.
• Recovery models: Business correspondents + Feet-on-street adopted.
• RBI Prudential Framework: Early recognition, reporting & time-bound resolution with incentives
for early adoption
Others,
• Board-approved policy: Every bank must have a valuation policy by qualified independent
valuers.
• Empanelment: Banks empanel valuers with prescribed minimum qualifications & maintain a
register.
• When valuation is done:
➢ Before loan sanction (appraisal process).
➢ Before sale under SARFAESI Act, 2002.
• High-value properties (≥ ₹50 crore): Minimum two independent valuation reports required.
• NPA accounts: Valuation by approved valuer before property disposal.
• E-auction: RBI recommends as desirable mode for sale of stressed assets → better price
discovery.
• IRAC norms (1 July 2015): Collateral (immovable property) must be revalued once every 3
years.
• Joint Lenders Forum (2014): Valuers overstating security value → explanation sought & names
reported to IBA.

12. Average Inflation rate

The average inflation rate based on Consumer Price Index (CPI) and Wholesale Price Index (WPI) for
the last three quarters is given in the table below

Government of India has undertaken a series of administrative measures, including fiscal and trade policy, to
control inflation and mitigate its impact on the common citizen.

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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S
Government Measures
• Buffer stocks of essential food items augmented.
• Strategic sales of procured grains in open market.
• Imports facilitated / export curbs during shortages.
• Stock limits imposed to push supplies into market.
• Retail sales under Bharat brand at subsidised rates.
• Free food grains to ~81 crore NFSA beneficiaries.
• Income tax relief: Annual incomes up to ₹12 lakh exempt (₹2.75 lakh for salaried after std.
deduction).

RBI Measures
• Repo rate hikes (May 2022–Feb 2023): +250 bps (4% → 6.5%).
• Repo steady at 6.5% till Jan 2025.
• Inflation trend:
o 2023–24: 5.4%
o 2024–25: 4.6% (lowest in 6 years)
o June 2025: 2.1%
• Repo cut (Feb–June 2025): –100 bps to support growth.

13. National Sickle Cell Mission

The National Sickle Cell Anemia Elimination Mission, launched by Prime Minister Narendra Modi on July 1,
2023, aims to make India sickle cell disease-free by 2047. The mission involves universal screening of 7 crore
individuals, primarily in tribal areas, by FY 2025-26, alongside awareness generation, pre-marital genetic
counseling, and holistic management of patients through collaborative efforts by central ministries and state
governments
Key Objectives & Strategy
• Eliminate Sickle Cell Disease: To eradicate sickle cell disease as a public health concern in India by 2047.
• Universal Screening: Screening of 7 crore individuals aged 0-40 in affected tribal areas by FY 2025-26.
• Awareness & Counseling: Generating awareness about the disease and providing pre-marital genetic
counseling to prevent new cases.
• Holistic Patient Care: Ensuring comprehensive management and continuum of care for patients, from
diagnosis to treatment.
Screening & Diagnosis
• Target: 7 crore individuals.
• Screened so far: 6 crore individuals.
State-wise Progress
• High screening achievement: Madhya Pradesh, Gujarat, Rajasthan, Telangana, Karnataka,
Uttarakhand.
• Highest incidence of SCD: Odisha, Chhattisgarh, Madhya Pradesh, Maharashtra, Gujarat.

14. PM EDRIVE SCHEME

PM E-DRIVE Scheme: A ₹6,391 crore initiative to boost EV adoption by deploying 14,028 e-buses, setting up
nationwide charging infra, and promoting domestic EV manufacturing & localisation to cut emissions and fossil
fuel use.
Objectives / Goals
• Encourage adoption of electric & hybrid vehicles through demand aggregation & market
creation.
• Promote domestic EV technology & ecosystem (support startups, MSMEs).

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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S
• Boost manufacturing of BEVs & hybrids in India (via PMP localisation mandate).
• Build a globally competitive, self-sustaining EV industry.
• Support India’s COP26 Panchamrit & NDC goals by reducing emission intensity of GDP.
• Reduce vehicular emissions, especially in urban areas.

Scheme Period Budget Focus / Objectives Key Achievements /

Allocation Next Steps
FAME I (Faster Adoption 2015 – 2019 ₹895 crore • Pilot EV adoption • Supported ~2.8 lakh
& Manufacturing of • Demand incentives for EVs
Hybrid and Electric 2W, 3W, 4W, buses • Created initial EV
Vehicles) • R&D support ecosystem awareness
• Charging infra pilots
FAME II 2019 – 2024 ₹10,000 • Large-scale demand • Target: 7,090 e-
(extended till crore incentives buses, 5 lakh e-3W,
Mar 2025) • Focus on 55,000 e-4W, 10 lakh
public/shared transport e-2W
(e-buses, 3W, 4W fleets, • Expanded charging
2W) infra
• Charging infra support • Shifted EV adoption
to scale
PM E-DRIVE Scheme 2024 – 2030 ₹6,391 crore • Mass deployment of e- • Transition from
(launch phase • ₹4,391 cr – buses (initially in 9 subsidies → ecosystem
2024–25) 14,028 e- mega cities) creation
buses • Nationwide public • Aim: globally
• ₹2,000 cr – charging infra (urban → competitive, self-
charging infra rural) reliant EV industry
• Promote domestic EV • Supports COP26
& battery “Panchamrit” emission
manufacturing via PMP reduction goals
localisation

15. Women & Wages in MGNREGA

Legal Provisions
• Schedule II, Para 15: Minimum 1/3rd of beneficiaries must be women (who register & demand
work).
• Special Schedule of Rates: For women, elderly, PwDs, and those with ailments → to improve
participation.
• Creche facilities: Mandatory at worksites if ≥5 children (under 5 yrs) accompany working
women.
Women’s Participation
• Consistently above 50% for last 5 years.
• 2013–14: 48% women participation.
• 2024–25: 58.1% women participation.
Policy Clarification
➢ No proposal to provide non-transient / permanent jobs under MGNREGS.
➢ Focus remains on temporary rural wage employment + welfare provisions.

WAGES

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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S
• Section 6(1), MGNREGA Act 2005: Central Govt notifies wage rate annually.
• Wage rate linked to CPI–Agricultural Labour (CPI-AL).
• Effective from 1st April each year.
• Increase trends: ~5% (avg) in last year; ~29% (avg) in last 5 years.
• States may pay higher wages from their own resources.
• Budget 2025–26 BE: ₹86,000 crore retained

16. DAY NRLM

• Launched: June 2011 by MoRD.
• Coverage: Implemented across India (except Delhi & Chandigarh).
• Objective: Mobilize rural poor into Self Help Groups (SHGs); nurture till income & quality of life
improves.
• Scale (as of June 2025):
o 10.05 crore rural women households mobilized.
o 90.90 lakh SHGs formed.

Key Entrepreneurship Support Schemes

1. Start-up Village Entrepreneurship Programme (SVEP):
o Support for non-farm micro-enterprises.
2. Micro-Enterprise Development (MED):
o Support for nano enterprises – finance, skills, markets.
3. One Stop Facility (OSF):
o Advanced support for growth-stage nano enterprises.
4. Incubator:
o Scale-up 100–150 women-led enterprises per state.
5. Cluster Development Programme:
o Collective growth & sector-specific clusters.
6. Aajeevika Grameen Express Yojana (AGEY):
o Rural transport services via SHGs/CBOs.
7. Capitalization Support:
o Revolving Fund (RF): ₹20k–30k per SHG.
o Community Investment Fund (CIF): up to ₹2.5 lakh per SHG.

17. 10 Years of Skill India

1. SOAR India - SOAR = Skilling for AI Readiness

About the Initiative

• Launched by: Ministry of Skill Development & Entrepreneurship (MSDE), 2025 (at Bharat
SkillNxt – 10 years of Skill India Mission).
• Aim: To embed AI awareness, literacy, and readiness in India’s school education and skilling
ecosystem.
• Target Group:
o Students (Classes 6–12) → foundational to advanced AI exposure.
o Teachers/Educators → AI training for effective classroom integration.
• Modules:
o Students:
1. AI to be Aware (15 hrs – basics, awareness).
2. AI to Acquire (15 hrs – applications, programming fundamentals).
3. AI to Aspire (15 hrs – advanced exposure, careers, ethics).

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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S
o Teachers: AI for Educators (45 hrs – pedagogy, ethics, integration).
• Content Coverage: AI basics, generative AI, AI in daily life, programming, ethics, cybersecurity,
career opportunities.
• Implementation: National roll-out with focus on inclusive access (urban + rural, all
geographies).
2. What is KaushalVerse
• KaushalVerse is the Digital Enterprise Portal (DEP) launched by NCVET (National Council for
Vocational Education & Training).
• It is a unified platform to streamline, standardize & democratize NCVET’s core regulatory
functions.
Key Objectives / Functions
• Recognition & regulation of Awarding Bodies and Assessment Agencies under one portal.
• To automate and digitize workflows, reducing manual paperwork, increasing transparency and
efficiency.
• A migration path is enabled — existing recognized entities can submit their migration
applications via the portal.
3. Reports Released
Reports/Books Released:
• India Semiconductor Workforce Strategy.
• Skill Impact Bond Report.
• Transforming Skill Development through Decentralized Planning (SANKALP).
• JSS Employability Skills Handbook (60-hr, for non-literates & dropouts).
4. Skill India Bond
• India’s first & the world’s largest outcomes-based skilling bond.
• Launched under Skill India Mission through MSDE & NSDC.
Financing
• $14.4 million mobilised through public–private–philanthropy partnership.
• Based on Development Impact Bond (DIB) model → payment linked to measurable outcomes
(jobs & livelihoods).

5. MoU
India–France MoU on vocational education & skilling.

18. Welfare support for weavers

Welfare Support
• Monthly Pension/Assistance: ₹8,000 per month for awardee handloom weavers/workers
(60+ years, indigent, annual income < ₹1 lakh).
• Scholarships: Up to ₹2 lakh per annum for children (max 2) of handloom weavers/workers →
for Diploma/UG/PG in Central/State Govt. recognized textile institutions.
Social Security
• Coverage under PM Jeevan Jyoti Bima Yojana (PMJJBY) → life insurance.
• Coverage under PM Suraksha Bima Yojana (PMSBY) → accident insurance (death/disability).

19. Pratibha Setu

What is PRATIBHA Setu?
PRATIBHA Setu = Professional Resource And Talent Integration – Bridge for Hiring Aspirants
It is UPSC’s revamped talent-connect platform for candidates who cleared all stages of certain UPSC

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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S
exams (prelims, mains, interview) but were not included in the final merit list, and who consent to share
their biodata with potential employers.

20. Bharatiya Antariksha Station (BAS):

➢ 5 modules planned by 2035.
➢ Approval for 1st module development obtained.
• Indian Moon Landing: Targeted by 2040.
• Training Modules: Incremental training for astronauts aligned with Gaganyaan & lunar mission
needs.

21. GLEX-2025 (Global Space Exploration Conference):

Event Overview
• 4th edition of GLEX held on 7–9 May 2025 at Yashobhoomi, New Delhi.
• Co-hosted by ISRO & Astronautical Society of India (ASI) under IAF (International
Astronautical Federation).
• Theme: “Reaching New Worlds: A Space Exploration Renaissance”.

22. NAVIC
• NaVIC = Navigation with Indian Constellation
• India’s independent regional navigation satellite system, developed & operated by ISRO.
• Provides accurate PNT services (Positioning, Navigation & Timing) over India & ~1,500 km
beyond borders.
• Indian counterpart of GPS (USA), GLONASS (Russia), Galileo (EU), BeiDou (China).

23. DHRUVA Policy

What is DHRUVA?
• A national Digital Address Digital Public Infrastructure (DPI) framework, led by the Department
of Posts, Ministry of Communications.
• Builds on DIGIPIN (Digital Postal Index Number) — a geo-coded addressing grid (4m × 4m cells)
for India.
• Goal: Every location becomes digitally addressable, with interoperable, consent-based address
sharing.

24. United Nations – International Year of Cooperatives (IYC) 2025 (India’s initiatives):
Theme & Launch
• Theme: “Cooperatives Build a Better World”.
• Officially launched by PM Narendra Modi at ICA Global Cooperative Conference (2024).
• Ministry of Cooperation → prepared Annual Action Plan for IYC-2025 (released 24 Jan 2025,
Mumbai).
Awareness & Outreach - IYC Logo: Displayed on:

• Indian Railways e-tickets

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• Govt. websites, official correspondence, PSU letters
• Amul milk packets & other cooperative products
• Women’s Premier League (WPL) 2025 matches on Star Sports & Jio Hotstar.
Others
• Foundation stone of 25 PACS godowns (62,500 MT capacity) in Bihar.
• Madhya Pradesh: State-level Cooperative Conference (April 2025).
• Gujarat: Golden Jubilee of IFFCO Kalol; foundation of Beej Anusandhan Kendra.
• National Conference of State Cooperation Ministers: 30 June 2025, Bharat Mandapam, Delhi.
• First Cooperative University: Tribhuvan Sahkari University, Anand (foundation stone laid 05 July
2025).
• 4th Foundation Day of Ministry of Cooperation: 06 July 2025 (national event).

24. Tribhuvan” Sahkari University (TSU)

The “Tribhuvan” Sahkari University (TSU) has recently been established through an act of Parliament,
which was passed in the last budget session 2025. At this stage, the University has four courses, which
include one ongoing course of the erstwhile Institute of Rural Management Anand (IRMA).

25. World Food India 2025 – Key Points

• Event: 4th edition of World Food India
• Organizer: Ministry of Food Processing Industries (MoFPI), Govt. of India

26. VIGYAN DHARA SCHEME

• Type: Central Sector Scheme (i.e. fully funded by Union Government)
• Implementing Ministry / Department: Department of Science & Technology (DST)
• Effective Date / Launch: Came into force from 16 January 2025

27. Government Schemes to Boost Women’s Participation in R&D

Department of Science & Technology (DST)
• WISE–KIRAN Initiative – umbrella program for women in STEM.
o WISE–Ph.D. → Doctoral research in basic/applied sciences.
o WISE–PDF → Post-Doctoral research support.
o WISE–SCOPE → Translational research from lab to land.
o WISE–IPR → 1-year internship in Intellectual Property Rights.
o WIDUSHI → Enables retiring/retired senior women scientists to continue research.
• Institutional/Policy Support:
o CURIE – Strengthens research infra in women’s universities.
o GATI – Promotes gender-equity policies in STEM institutions.
o STW / Women Technology Parks (WTPs) – Tech for livelihood & social entrepreneurship.

28. India Skills Accelerator (MSDE–WEF Initiative)

Launch & Context
• Deliberated on 08 April 2025 at Kaushal Bhawan, New Delhi.
• Joint initiative of Ministry of Skill Development & Entrepreneurship (MSDE) and World
Economic Forum (WEF).

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29. Skill
Skill & Employment Data
• India Skill Report 2024 (Wheebox): Young employability at 51.25% (2024) vs. 40.44% (2017).
• PLFS Estimates (2017–24):
o Unemployment rate (age 15–59, rural areas) dropped from 5.7% (2017-18) to 2.8% (2023-
24).
Key Schemes under Skill India Mission (SIM)
• PMKVY (Pradhan Mantri Kaushal Vikas Yojana): Training aligned with Industry 4.0 (AI, ML,
Robotics, Drones).
• JSS (Jan Shikshan Sansthan): Community-based skill development for rural & disadvantaged
groups.
• NAPS (National Apprenticeship Promotion Scheme): On-the-job training support.
• CTS (Craftsman Training Scheme) via ITIs: Technical skill training.
• Under NAPS, stipend support up to Rs 1500/- per month is released to apprentices through DBT
and not to establishments covered.
Digital & Placement Support
• Skill India Digital Hub (SIDH): Unified platform for skilling, education, employment,
entrepreneurship.
• Provides life-long services (training → jobs → apprenticeships).
• Candidates’ profiles visible for employers; access to Rozgar Melas & Pradhan Mantri National
Apprenticeship Melas (PMNAMs).

30. Pradhan Mantri Kaushal Vikas Yojana (PMKVY)

• Launched in 2015 by MSDE.
• Provides Short-Term Training (STT) and Recognition of Prior Learning (RPL) for skill, up-skilling
& re-skilling.

31. SEED
SEED Scheme – Ministry of Social Justice & Empowerment
• Launched for De-notified, Nomadic and Semi-Nomadic Tribes (DNTs, NTs, SNTs).
• Aim: Holistic empowerment through education, health, livelihood, land & housing support.
Key Components
1. Educational Empowerment
o Financial assistance for free coaching.
o Helps secure admission in reputed institutes and employment in public/private sectors.
2. Health
o Ayushman Bharat health cards distributed to DNT communities.
3. Livelihoods
o Formation of Self Help Groups (SHGs) in DNT clusters.
o SHGs support income generation and financial inclusion.
4. Land & Housing
o Facilitation of housing under PMAY (Grameen & Urban) and other government
schemes.
Institutional Mechanisms
• Development and Welfare Board for DNTs (DWBDNC): Dedicated board for policy & programme
implementation.
• Partner Agencies:

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o National Backward Classes Finance & Development Corporation (NBCFDC).
o National Scheduled Castes Finance & Development Corporation (NSFDC).
o NGOs for direct community engagement.

32. Amazon Future Engineer (AFE) programme

• In 430 EMRSs (via Learning Links Foundation):
• Hands-on computer science education.
• Activities: Hour of Code, Code-a-thon.
• Dedicated DTH channel – EKLAVYA (by CIET-NCERT):
• Curriculum-based learning + competitive exam content.
• For Classes 9–12.
• Ensures access to education in remote locations.

33. DhartiAabaTribePreneurs 2025 Highlights

• Served as a launchpad for tribal-led enterprises.
• Provided mentorship, strategic networking, and investment opportunities.
• Focused on:
o Innovation
o Inclusivity
o Visibility at larger scale
o Market expansion to national & global platforms.
Key Partnerships
• Ministry of Tribal Affairs partnered with:
o IIM Calcutta
o IIT Delhi
o IIM Kashipur
o IIT Bhilai
o IIT Guwahati
o IFCI Venture Capital Funds Ltd.
o META

34. Palna Scheme

PALNA Scheme (Protecting Children and Providing Nurturing Atmosphere)
Implemented by: Central Adoption Resource Authority (CARA), Ministry of Women and Child
Development (MWCD), Government of India.
Objectives
• Provide care and protection to abandoned and surrendered children.
• Ensure safety, nutrition, and health for infants/children in Child Care Institutions (CCIs).
• Create a child-friendly, nurturing environment until adoption or family reintegration.
Key Features
• Financial support to Specialized Adoption Agencies (SAAs) for running crèches/palnas.
• Focus on 0–6 year old children awaiting adoption.
• Covers nutrition, clothing, medicines, staff salaries, and care infrastructure.
• Helps integrate children into the adoption system through CARINGS portal.
• Linked with the Mission Vatsalya framework for child welfare.

35. Art
Sohrai Art – Tribal wall painting of Jharkhand, linked to harvest festival and nature motifs.
Pattachitra – Intricate scroll/cloth painting of Odisha & Bengal, depicting Jagannath cult and epics.

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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S
Patua Art – Narrative scroll painting of Bengal, sung with Pater Gaan (storytelling songs).

36. CETA
India and UK Sign Comprehensive Economic and Trade Agreement (CETA)

37. Key Features National Cooperation Policy

Pillar / Focus Area Key Features
Vision Based on “Sahakar se Samriddhi” – Prosperity through Cooperation.
Committee National-level committee (2022) under Shri Suresh Prabhu; 17 meetings & 4
Formation regional workshops with stakeholders.
Coverage Framework for National, State, District, and Primary level cooperatives
(agriculture, dairy, fisheries, credit, housing, new-age co-ops).
Grassroots Establishment of 2 lakh new M-PACS, Dairy & Fishery Cooperatives across all
Strengthening Panchayats/villages within 5 years.
Convergence Linked with schemes like DIDF, NPDD, PMMSY; supported by NABARD, NDDB,
Approach NFDB & State Governments.
Guidelines Margdarshika (2024) launched to define roles & responsibilities of stakeholders.
Database & National Cooperative Database for real-time tracking of cooperatives.
Digitization
Inclusion Focus Greater participation of youth & women in cooperatives.
Governance & Adoption of Model Bye-laws, emphasis on accountability, efficiency, and digital
Transparency reforms.
Status Draft policy finalized; official unveiling awaited.

38. Forestation
India State of Forest Report (ISFR) 2023
• Total Forest & Tree Cover: 8,27,356.95 sq. km (25.17% of geographical area).
o Forest Cover: 7,15,342.61 sq. km
o Tree Cover: 1,12,014.34 sq. km
• Increase (2021 → 2023): +1,445.81 sq. km
o Forest Cover: +156.41 sq. km
o Tree Cover: +1,289.4 sq. km
• Decadal Growth (2013 → 2023): Net +16,630.25 sq. km forest cover.
• Trend: Continuous increase in forest cover over last decade.
Legal & Institutional Framework
• Indian Forest Act, 1927
• Forest (Conservation) Act, 1980 (Van Sanrakshan Evam Samvardhan Adhiniyam)
• Wildlife Protection Act, 1972
• State Forest Acts & Rules
• Primary Responsibility: States/UTs (Centre issues advisories + support).
Central Govt. Support (Schemes & Funds)
• National Mission for a Green India (GIM)
• Forest Fire Prevention & Management Scheme (FPM)
• Nagar Van Yojana (NVY)
• Integrated Development of Wildlife Habitats
• MISHTI (Mangrove Initiative for Shoreline Habitats & Tangible Incomes)

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• Compensatory Afforestation Fund (CAMPA)

39. National Action Plan on Climate Change (NAPCC)

• Comprises 9 National Missions: Agriculture, Energy Efficiency, Green India, Himalayan
Ecosystem, Human Health, Solar Energy, Strategic Knowledge, Sustainable Habitat, and Water.
• 6 out of 9 missions focus on adaptation, enhancing climate resilience of vulnerable
communities.
• Implemented by respective nodal Ministries/Departments through schemes/programmes
across water, health, agriculture, forest, biodiversity, energy, housing, etc.
• 63. s Equine Disease-Free Compartment (EDFC):

40. India’s first, endorsed by WOAH

• Equine Disease-Free Compartment (EDFC):
o India’s first, endorsed by WOAH (July 2025).
o Located at RVC Centre & College, Meerut → enables global movement of Indian sport
horses.
• Poultry sector: 44 HPAI compartments approved for export-ready, biosecure production.
• High-security facilities:
o ICAR-NIHSAD, Bhopal recognized as Category A Rinderpest Holding Facility (by WOAH
& FAO).
o Puts India among only 6 such global institutions.
Internationally Recognized Reference Labs
• ICAR-NRC Equines, Hisar → Equine Piroplasmosis.
• ICAR-NBFGR, Lucknow → Epizootic Ulcerative Syndrome (EUS).

41. Coverage of Har Ghar Jal

Thus, as on 21.07.2025, out of 19.36 Crore rural households in the country, more than 15.67 Crore
(80.94%) households are reported to have tap water supply in their homes.

42. PM KSY
Pradhan Mantri Krishi Sinchayee Yojana (PMKSY)
About
• Launched: 2015-16.
• Aim: Enhance access to water on farms, expand cultivable area under assured irrigation,
improve water-use efficiency, and promote sustainable water conservation.
• Current Phase: Implementation approved for 2021-22 to 2025-26.

Components
1. Accelerated Irrigation Benefits Programme (AIBP):
o Focus: Fast-tracking completion of major/medium irrigation projects.
2. Har Khet Ko Pani (HKKP):
o Sub-components:
▪ CAD&WM (Command Area Development & Water Management): Implemented
alongside AIBP.
▪ Surface Minor Irrigation (SMI).
▪ Repair, Renovation & Restoration (RRR) of Water Bodies.

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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S
▪ Ground Water (GW) Development (approved till 2021-22, extended for ongoing
works).
3. Watershed Development Component (WDC): Implemented by Dept. of Land Resources,
Ministry of Rural Development.
4. Per Drop More Crop (PDMC):
o Promoted micro-irrigation.
o Initially part of PMKSY; since Dec 2021, under Rashtriya Krishi Vikas Yojana (RKVY).
Key Achievements
• Land acquisition savings: Avoided acquisition of 76,594 hectares via construction of 55,290
km of underground pipelines.
• Efficiency: Adoption of SCADA-based water distribution and micro irrigation in projects
improved water-use efficiency.
• Monitoring: Dedicated dashboard + MIS for near real-time monitoring of physical & financial
progress

43. Employment database

Employment & Unemployment Trends (PLFS, MoSPI)
Year Worker Population Ratio (WPR) Unemployment Rate (UR) Female WPR % (15+
% % years)
2019-20 – – 28.7
2020-21 52.6 4.2 31.4
2021-22 52.9 4.1 31.7
2022-23 56.0 3.2 35.9
2023-24 58.2 3.2 40.3
Source: PLFS, MoSPI
Key Highlights
• Worker Population Ratio (WPR) a Trend (15+ years): Rising consistently from 52.6% in 2020-
21 to 58.2% in 2023-24, showing improved employment participation.
• Unemployment Rate (UR) Trend (15+ years): Declining from 4.2% in 2020-21 to 3.2% in 2022-
23 & 2023-24, reflecting better labour market conditions.
• Female WPR: Sharp improvement from 28.7% in 2019-20 to 40.3% in 2023-24 → significant
increase in women’s workforce participation.
Employment Estimates (RBI KLEMS Database) (K: Capital, L: Labour, E: Energy, M: Materials and S:
Services)
• Total employment in India:
o 2017-18 → 47.5 crore
o 2023-24 → 64.33 crore
• Indicates strong growth in overall employment, including manufacturing and services sector
expansion.

44. Eshram Portal

About eShram Portal
• Launch: 26th August 2021, by Ministry of Labour & Employment.
• Purpose: Create National Database of Unorganised Workers (NDUW) seeded with Aadhaar.
• Registration Basis: Self-declaration; each worker gets a Universal Account Number (UAN).
Progress (as of 17 July 2025)

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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S
•Total Registrations: 30.94 crore unorganised workers.
One-Stop-Solution (Launched 21 Oct 2024)
• Integrated portal to provide social security access in one place.
• Workers can:
o Access multiple welfare schemes.
o Track benefits already availed.
o Ensure portability across States/UTs.
14 Integrated Schemes

45. Export promotion of MSME

Export Promotion Mission (Budget 2025–26)
• Lead Department: Department of Commerce.
• Jointly Driven By:
o Ministry of Commerce & Industry
o Ministry of MSME
o Ministry of Finance

Key Objectives
1. Improving access to export credit for MSMEs.
2. Enabling cross-border factoring to ease trade finance.
3. Assisting MSMEs in addressing non-tariff barriers (NTBs) in global markets.
Other Complementary Initiatives
• International Cooperation (IC) Scheme – MSME Ministry

46. Bima Sakhi Yojna

Aspect Details
Launched By Ministry of Rural Development (MoRD) & Life Insurance Corporation of India
(LIC)
Vision Aligns with Insurance for All by 2047 & Atmanirbhar Bharat
Implementing Women from Self-Help Groups (SHGs), trained & appointed as Bima Sakhis at
Agents Gram Panchayat level
Role of Bima Act as local insurance agents, raise awareness, deliver LIC products, and
Sakhis promote financial security
Target Areas Rural & semi-urban India
Key Benefits 1. Women Empowerment – Entrepreneurship & financial independence
2. Job Creation – Enhances rural female workforce participation
3. Inclusive Insurance – Affordable, community-based, trustworthy insurance
network
Significance Links social security with women empowerment, boosting financial inclusion
in rural India
Future Expansion Supported by state govts, skill development programs, & community
participation to make it a national movement

47. INSPIRE – MANAK Programme

Aspect Details

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RBI PIB POWER PLAY JULY WEEK IV 2025 C4S
Full Form Innovation in Science Pursuit for Inspired Research – Million Minds Augmenting National
Aspirations and Knowledge (MANAK)
Implemented Department of Science & Technology (DST), Govt. of India in collaboration with National
By Innovation Foundation (NIF)
Target Group Students of Class 6 to 10 (age group 10–15 years) across all schools
Objective To foster creativity, innovation, and scientific temperament among school children and
to encourage problem-solving for real-life challenges
Coverage Aims to target 1 million ideas from students nationwide every year

48. Commemorative stamps

Prime Minister Shri Narendra Modi and H. E. Dr. Mohamed Muizzu, President of the Republic of Maldives, released
commemorative stamps on the occasion of the 60th anniversary of the establishment of India-Maldives
diplomatic relations. India was one of the first countries to establish diplomatic relations with Maldives following
its independence in 1965.

49. Drone Subsidy

• 40% (max ₹4 lakh) for CHCs under cooperatives/FPOs/rural entrepreneurs.
• 50% (max ₹5 lakh) for agri-graduates establishing CHCs.
• Individual Basis:
o SC/ST, Women, Small/Marginal, NE Farmers → 50% subsidy (up to ₹5 lakh).
o Other farmers → 40% subsidy (up to ₹4 lakh).

50. Workforce in Agriculture

As per the Periodic Labour Force Survey (PLFS) conducted by the National Statistical Office (NSO), Ministry of
Statistics and Programme Implementation (MoSPI) from July, 2023 to June, 2024 about 46.1 percent of the total
workforce of the Country is engaged in agriculture and allied sector during 2023-24.

51. Key Government Schemes for Agriculture (as of June 2025)

• Agriculture Infrastructure Fund (AIF): ₹1 lakh cr debt facility with 3% interest subvention +
CGTMSE guarantee (up to ₹2 cr loans); by June 2025 → ₹66,310 cr sanctioned for 1.13 lakh
projects (warehouses, CHCs, cold stores, processing units, etc.).
• Agricultural Marketing Infrastructure (AMI): Since 2001, provides 25%–33.33% subsidy for rural
godowns/warehouses; by June 2025 → 49,796 projects sanctioned, 982.94 lakh MT capacity
created, ₹4,829 cr subsidy released.
• e-NAM: Virtual market platform linking mandis; by June 2025 → 1.79 cr farmers + 2.67 lakh traders
registered; ₹4.39 lakh cr trade (12.03 cr MT & 49.15 cr items).
• MIDH: Provides 35% (general areas) & 50% (hilly/tribal areas) subsidy for horticulture post-
harvest infra (cold storage, cold rooms).
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• RKVY: Project-based scheme giving States flexibility to plan & approve agri/allied projects; since
2022–23 also includes PDMC & Soil Health sub-schemes.
• PM-KISAN: ₹6,000 annual income support to land-holding farmers; by June 2025 → ₹3.69 lakh cr
transferred.
• PMFBY: Launched 2016, affordable crop insurance; by June 2025 → 78.41 cr enrolments, 22.67
cr claims settled worth ₹1.83 lakh cr.

52. CROPIC (Collection of Real-Time Observations and Photographs of Crops)

• CROPIC (Collection of Real Time Observations and Photographs of Crops) is one of the
technology initiatives under Pradhan Mantri Fasal Bima Yojana (PMFBY). It is a digital
application for collection of crop field photographs, to ascertain the health of crops and
identify damage due to perils. CROPIC app aims at collection of geotagged crowdsourced
photographs from farmers and field coordinators through smartphones. The purpose of time-
series geotagged photographs is crop validation against insured crops, and crop damage
assessment in case of localized calamities.
• Purpose:
o Collect geotagged, time-series photographs of crops via smartphones (farmers + field
coordinators).
o Validate insured crops, assess crop health, and capture crop damage from localized
calamities.
• Technology Features:
o Crowdsourced data → transparent, real-time evidence.
o Crop surveillance → near real-time reporting of risks.
o Supports yield estimation models (YESTECH) for validation & risk accounting.
• Benefits:
o Strengthens crop insurance by reducing disputes & delays.
o Enhances disaster response & compensation with accurate, location-tagged proof.
o Enables data-driven policy decisions in agriculture risk management.
• Impact: Empowers stakeholders (farmers, insurers, govt.) with a transparent, reliable, and
tech-enabled monitoring system.

53. PMFBY
PMFBY launched from Kharif 2016. It is demand-driven and voluntary for States/UTs and farmers.
Enrolment has increased from 3.17 crore (2022-23) to 4.19 crore (2024-25) — ~32% growth. Highest
enrolment since inception.
Of the 2024-25 enrolments:
• 6.5% are tenant farmers
• 17.6% marginal farmers
• 48% loanee farmers
Steps taken for strengthening PMFBY implementation:
• National Crop Insurance Portal (NCIP) created as unified data / service platform (for subsidy
payment, enrolments, monitoring).
• Digiclaim module launched from Kharif 2022: integrates NCIP + PFMS + insurer accounting.
• 12% penalty auto-levied via NCIP if insurers delay claim payments (from Kharif 2024).
• Delinking state & central premium subsidy shares so farmers get claim proportionate to Central
govt share, even if state share lags.
• Escrow accounts by States (depositing their premium share in advance) made mandatory from
Kharif 2025.
• Use of CCE-Agri App for uploading Crop Cutting Experiment data into NCIP; Insurance companies

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can witness CCEs.
• Integration of State land records with NCIP to enhance data accuracy.
New technologies / systems adopted under PMFBY (from 2023-24 onward):
1. YES-TECH (Yield Estimation System Based on Technology)
• Remote sensing based yield estimation for paddy & wheat.
• 30% weightage of YES-TECH derived yield mandated.
• Soybean included from Kharif 2024.
2. WINDS (Weather Information Network and Data System)
• Expanding Automatic Weather Stations (AWS) & Rain Gauges (ARG) to 5× existing network at GP &
Block level.
• Data to be interoperable with IMD; aids YES-TECH, parametric insurance, disaster mgmt.
Pending claims data (2020-21 to 2024-25) is provided State/UT-wise in annexure. (E.g. total pending
claims over the years in “Total” row)

54. Startup Funds

1. Flagship Schemes under Startup India
(a) Fund of Funds for Startups (FFS)
• Launched: 2016, operationalized by SIDBI.
• Mode: Provides capital to SEBI-registered AIFs, which then invest in startups.
• Condition: AIFs must invest at least 2× the FFS commitment into startups.
(b) Startup India Seed Fund Scheme (SISFS)
• Launched: 1 April 2021.
• Mode: Provides financial assistance to seed-stage startups through incubators.
(c) Credit Guarantee Scheme for Startups (CGSS)
• Launched: 1 April 2023.
• Mode: Provides collateral-free loans to startups.
• Implemented by: National Credit Guarantee Trustee Company (NCGTC) Ltd.

55. Project Swavalambini (Women Entrepreneurship Focus)

• Implementing Bodies:
o NIESBUD (Noida)
o IIE (Guwahati)
o In collaboration with NITI Aayog & Women Entrepreneurship Platform (WEP).
• Aim:
o Foster entrepreneurial mindset among women students.
o Awareness of schemes, resources, networks.
o Training & faculty capacity building.
• Coverage (Pilot States):
o Uttar Pradesh, Telangana, Meghalaya, Mizoram, Assam.
• Components:
o Entrepreneurship Awareness Training
o Entrepreneurship Development Training
o Faculty Development Programme (FDP)
• Progress (as on 30 June 2025):
o Awareness Programmes: 591 students trained.
o FDPs: 43 faculty members trained.

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56. Atal Pension Yojana (APY) – 10th Anniversary Update (2025)
1. Background & Launch
• Launched: 9 May 2015 (replacing Swavalamban Yojana).
• Administered by: Pension Fund Regulatory and Development Authority (PFRDA).
• Objective: Universal social security system for poor, underprivileged, and unorganized
workers.
2. Salient Features
• Type: Voluntary, contributory pension scheme.
• Eligibility: Indian citizens 18–40 years (except income-tax payers).
• Contribution Period: Minimum 20 years.
• Benefit:
o Guaranteed pension of ₹1,000 – ₹5,000/month (post 60 years).
o After subscriber’s death → same pension to spouse.
o After both die → accumulated corpus returned to nominee.
• Vision: ‘Sampurna Suraksha Kavach’ (Complete Security Shield).
3. Implementation & Enrolment
• Implementing Channels:
o All Banks
o Department of Posts (DoP)
o SLBCs/UTLBCs
• Awareness Measures by PFRDA: Outreach programs, trainings, multilingual handouts, media
campaigns, review meetings.
4. Milestones (as on FY 2025-26)
• Total Gross Enrolments: 8 crore+.
• New Subscribers in FY 2025-26: 39 lakh.
• Occasion: Marks 10th Anniversary (2015–2025).

57. PMAY-G
In order to achieve the target of “Housing for All” in rural areas, the Ministry of Rural Development is
implementing Pradhan Mantri Awaas Yojana- Gramin (PMAY-G) with effect from 1st April 2016 to provide
assistance to eligible rural households with an overall target to construct 4.95 crore pucca houses with basic
amenities by 2029. The Union Cabinet approved the implementation of the Pradhan Mantri Awaas Yojana –
Gramin (PMAY-G) for construction of 2 crore additional rural houses during FY 2024-25 to 2028-29.

58. Mahatma Gandhi National Rural Employment Guarantee Scheme (MGNREGS)

1. Nature of the Scheme
• Type: Demand-driven wage employment scheme.
• Objective: Provide at least 100 days of guaranteed wage employment in a financial year to
willing rural households.
• Fallback option: Used when no better employment opportunity is available.

2. Performance (FY 2025-26, as on 21.07.2025)

• Households availed employment: 3.83 crore
• Persondays generated: 106.77 crore
3. Wage Payment Norms
• Beneficiaries entitled to wage payment within 15 days of work completion.
• GoI issued SOPs for fixed timelines at each stage (muster roll upload → FTO approval).
• States/UTs advised to generate pay orders in time.

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4. Steps Taken for Timely Wage Payments
• Systemic Improvements:
o Strengthening Ne-FMS (National Electronic Fund Management System).
o SOP for monitoring delay compensation.
• Consultations & Reviews:
o With States/UTs, PRC meetings, mid-term reviews.
o Verification of pending/delay claims.
5. Technological Interventions
• Direct Benefit Transfer (DBT):
o Wages transferred directly to workers’ accounts.
o Ensures transparency, prevents leakages, ~100% electronic transfer.
• Aadhaar Payment Bridge System (APBS):
o Aadhaar-based direct credit into bank accounts.
o Improves targeting, efficiency, accountability.
• National Mobile Monitoring System (NMMS):
o Real-time attendance via geo-tagged photos.
o Ensures accuracy, reduces payment delays.
6. Awareness & Demand Generation Measures
• IEC campaigns (incl. wall paintings).
• Expand demand registration system → no demand goes unregistered.
• Participatory planning through Gram Sabha approval.
• ‘Rozgar Diwas’ organization for awareness.
7. Unemployment Allowance (Section 7(1) of MGNREGA, 2005)
• If employment not provided within 15 days of application (or requested date, whichever later) →
• Applicant entitled to daily unemployment allowance as per provisions of the Act.

59. Pradhan Mantri Awaas Yojana – Gramin (PMAY-G): Landless Beneficiaries

1. Priority to Landless Households
• Landless beneficiaries = Top priority in PMAY-G Permanent Wait List.
• States/UTs responsibility: Provide land from:
o Govt. land
o Panchayat/common land
o Community land
o Land of local authorities.
• Basic Infrastructure: Electricity, road connectivity, drinking water, solid & liquid waste
management → to be ensured by States/UTs.

2. Policy & Institutional Framework

• Land = State subject → no central policy possible.
• MoRD Action (2021-22): Requested States/UTs to constitute Task Force under Chief Secretary
(with Revenue Secy + PMAY-G Dept. Secy).
• Monitoring: In current phase (2024–29), Ministry is continuously tracking provision of land to
landless beneficiaries.

3. State-Specific Initiatives for Landless Beneficiaries

• Bihar: Mukhymantri Awaas Sthal Kray Sahayata Yojana
o ₹60,000 financial assistance to purchase land for house construction.
• Odisha: Vasundhara Scheme

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o Provides land rights & housing benefits to landless poor, slum dwellers, vulnerable
groups.
• Maharashtra: Pandit Deen Dayal Upadhyay Gharkool Jaga Kharedi Arthsahay Yojana
o ₹1,00,000 assistance to landless for procurement of 500 sq. ft. land under PMAY-G.
• Tamil Nadu: Free land provision to landless for PMAY-G houses.

60. Deendayal Antyodaya Yojana – National Rural Livelihoods Mission (DAY-NRLM)

Skill Development Components:
1. Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY)
2. Rural Self Employment Training Institutes (RSETIs)
1. Deen Dayal Upadhyaya Grameen Kaushalya Yojana (DDU-GKY)
• Objective: Placement-linked skilling for rural poor youth → jobs with monthly wages ≥ minimum
wages.
• Target Group: Rural poor youth 15–35 years.
• Focus on Social Inclusion:
o SC/ST: 50%
o Women: 33%
o PwDs: 5%
• Implementation Mode: Project-based by Project Implementing Agencies (PIAs).
Eligible PIAs:
i. Govt. or semi-govt. entities (National/State level).
ii. NGOs (registered with NITI Aayog).
iii. Trusts, Societies, Cooperatives, Companies, LLPs, SHGs & federations.
iv. Entities >3 years old (except Start-ups).
Performance (till June 2025):
• Candidates Trained: 17,50,784
• Candidates Placed: 11,48,247
2. Rural Self Employment Training Institutes (RSETIs)
• Nature: Training institutions funded by MoRD, established by sponsoring Banks in districts.
• Support by MoRD: Construction cost + training costs for rural poor candidates.
• Coverage: Training open to any unemployed youth (18–50 years) with aptitude for self/wage
employment.
Performance (till June 2025):
• Candidates Trained: 56,69,265
• Candidates Settled: 40,99,578
3. Recent Development
• MoU (June 2025): Signed between MoRD and MSDE for better coordination in skill
development.

61. Sohrai Art

Context: The indigenous mural tradition of Sohrai Art from Jharkhand took centre stage at the second
edition of Kala Utsav 2025 – Artists in Residence Programme, held at Rashtrapati Bhavan.
Origin & Community
• Region: Jharkhand (Hazaribagh district).
• Practitioners: Mainly by women of the Santhal, Munda, Oraon, and other tribal communities.
• Occasion: Associated with the harvest festival of Sohrai (celebrated after Diwali, linked to
cattle worship and fertility).

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62. Exercise Bold Kuruschetra
Nature of Exercise
• Type: Bilateral army-to-army military exercise.
• Between: India and Singapore.
The 14th edition of the India–Singapore Joint Military Exercise, Exercise Bold Kurukshetra 2025, is set to
commence today at Jodhpur and will continue till 04 August 2025. The exercise will witness the participation of
the 42 Singapore Armoured Regiment of the 4 Singapore Armoured Brigade and the Indian Army’s Mechanised
Infantry Regiment.

[Link] Digital Credit Assessment Model for MSMEs

1. Announcement & Launch
• Announced in: Union Budget 2024–25.
• Launched by: Union Finance Minister on 6 March 2025.
• Implemented by: Public Sector Banks (PSBs).

2. Objective
• To replace manual/external assessments with in-house, digitally driven appraisal.
• Ensure faster, transparent, and objective credit decisions.
• Cover both:
o Existing to Bank (ETB) MSMEs.
o New to Bank (NTB) MSMEs.

3. Digital Footprints Used

• Identity Verification: PAN authentication (via NSDL), mobile/email OTP.
• Financial Data:
o GST data fetch (API).
o Bank statement analysis (via Account Aggregator framework).
o ITR upload & verification.
• Credit Profile:
o Commercial & consumer bureau fetch (via Credit Information Companies, CICs).
o Fraud checks via APIs.
• Automated Engines: Business Rule Engines (BREs) of banks → capture risks as per credit policy.

4. Traditional vs. Digital Model

• Traditional: Manual underwriting, physical document submission, higher TAT (days/weeks).
• New Model: Fully digital application, verification, and decisioning → turnaround time (TAT) ≤ 1
day.

64. Digital Payments Ecosystem – Update 2025

1. Stakeholder Collaboration
• Govt. working with RBI, NPCI, fintechs, banks, State Govts.
• Goal: Increase adoption of digital payments especially in tier-2 & tier-3 cities.
2. Payments Infrastructure Development Fund (PIDF)
• Launched: 2021 by RBI.
• Aim: Encourage deployment of digital payments acceptance infrastructure in:
o Tier-3 to Tier-6 cities.
o North-Eastern States.
o Jammu & Kashmir.

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• Progress (as on 31 May 2025):
o 4.77 crore digital touch points deployed.
3. Growth in Digital Transactions
• Period: FY 2019-20 to FY 2024-25.
• Total digital transactions: 65,000+ crore.
• Value: Over ₹12,000 lakh crore.
• Reflects phenomenal expansion of digital payments.
4. RBI Digital Payments Index (RBI-DPI)
• Purpose: Measures extent of digitisation of payments.
• Base period: March 2018 = 100.
• Latest (Sept 2024): 465.33 → shows ~4.6x growth in 6.5 years.
• Frequency: Published semi-annually.

65. Jal Jeevan Mission (JJM) – Update 2025

1. Launch & Objective
• Launched: August 2019.
• Type: Centrally Sponsored Scheme.
• Aim: Provide Functional Household Tap Connection (FHTC) to every rural household by 2024.
• Tagline: Har Ghar Jal.
2. Progress
• At launch (2019): Only 3.23 crore (16.7%) rural households had tap water.
• As on 23 July 2025:
o Additional households covered: 12.44 crore.
o Total covered: 15.67 crore (80.95%) out of 19.36 crore rural households.
3. Recent Budget Update
• Union Budget 2025–26:
o Finance Minister announced extension of JJM till 2028.

66. MSME Export Promotion

MSME Export Promotion Schemes & Initiatives – 2025 Update
1. Tax/Duty Remission Schemes
• RoSCTL (Rebate of State & Central Levies & Taxes):
o Launched: 7 March 2019.
o Scope: Certain labour-intensive textile exports.
• RoDTEP (Remission of Duties & Taxes on Exported Products):
o Launched: 1 April 2021.
o Scope: Refunds embedded duties/taxes not refunded elsewhere.

2. Export Hub Development

• Districts as Export Hubs (DEH):
o Identify district export products.
o Prepare District Export Action Plan.
o Address bottlenecks, support local exporters, generate local jobs.

3. Trade Facilitation Platforms

• Common Digital Platform for Certificate of Origin (CoO):
o Supports FTA utilization by exporters.
• Trade Connect e-Platform:
o Information & intermediation platform.

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o Connects Indian Missions Abroad + Dept. of Commerce officials + exporters.

4. International Exposure & Capacity Building

• International Cooperation (IC) Scheme:
o MSME participation in international fairs/exhibitions.
o Capacity Building for First Time Exporters (CBFTE):
▪ Support for EPC membership, Export Insurance, Testing & Certification fees.

5. MSME Champions Scheme – Sub-components

• MSME-Sustainable (ZED) Certification Scheme: Zero Defect Zero Effect manufacturing.
• MSME-Competitive (LEAN) Scheme: Lean manufacturing for efficiency.
• MSME-Innovative Scheme: Support for Incubation, Design & IPR.

6. Export Facilitation Infrastructure

• 65 Export Facilitation Centres (EFCs):
o Disseminate scheme information.
o Assist MSMEs with export promotion.

7. Digital Commerce Enablement

• TEAM (Trade Enablement and Marketing) Scheme:
o Onboards MSEs onto ONDC (Open Network for Digital Commerce).
o Target: Empower 5 lakh MSEs, with 50% women-owned.
o Support: Digital catalogue, account mgmt, linkages with Seller Network Participants.

8. NSIC Initiatives
• NSIC’s e-Country Pavilion (MSME Global Mart):
o Virtual gateway for international trade partnerships.
o Showcases product categories, bilateral trade data, market opportunities.

9. Overall Impact
• Policy mix: Refund schemes + Hub model + Trade platforms + Capacity building + Digital
integration.
• Goal: Boost MSME competitiveness, integrate them with global value chains, expand India’s
export base.

67. Skill India Mission (SIM) – 2025 Update

1. Overview
• Launched by: Ministry of Skill Development & Entrepreneurship (MSDE).
• Aim: Skill, re-skill & up-skill youth → make them future-ready with Industry 4.0 relevant skills.
• Training Network:
o PMKVY (Pradhan Mantri Kaushal Vikas Yojana).
o Jan Shikshan Sansthan (JSS).
o NAPS (National Apprenticeship Promotion Scheme).
o CTS (Craftsman Training Scheme) through ITIs.
2. Women-Focused Measures
• Financial Support: Special provisions for conveyance, boarding & lodging, post-placement
support.
• PMKVY 4.0:
o Priority to projects with women as primary beneficiaries.

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o Training aligned with local demand in Electronics, Retail, Healthcare, Beauty &
Wellness, Handicrafts, Apparel.
• JSS Scheme: Women = 80%+ of beneficiaries (focus on women & vulnerable groups).
• ITIs/NSTIs:
o 19 National Skill Training Institutes (NSTIs) for women.
o 300+ ITIs exclusively for women.
o 30% reservation in all ITIs (Govt. & Pvt) across courses.

3. Special Initiatives
• NAVYA (Launched by MSDE + MoWCD):
o Nurturing Aspirations through Vocational Training for Young Adolescent Girls.
o Pilot initiative for girls (age 16–18, min. Class 10).
o Focus: non-traditional job roles.
• Swavalambini (Feb 2025, MSDE + NITI Aayog Women Entrepreneurship Platform):
o Coverage: Assam, Meghalaya, Mizoram, Uttar Pradesh, Telangana.
o Aim: Cultivate entrepreneurial mindset among female students.
o Mode: Entrepreneurship Awareness Programmes (EAP) + Entrepreneurship
Development Programmes (EDP).
o Implemented by:
▪ NIESBUD (Noida).
▪ IIE (Guwahati).

68. SKILL INDIA Mission SIM

1. Skill India Mission (Umbrella Initiative)
• Launched: 15 July 2015 (World Youth Skills Day).
• Nodal Ministry: Ministry of Skill Development & Entrepreneurship (MSDE).
• Aim: Skill, re-skill & up-skill India’s youth to make them future-ready with industry-relevant
skills.

2. Key Schemes / Components under SIM

Scheme / Component Launch Year Nodal Focus Area
Body /
Ministry
Pradhan Mantri Kaushal Vikas 2015 MSDE / Short-term training, Recognition
Yojana (PMKVY) NSDC of Prior Learning (RPL), industry-
linked skilling. (Now in PMKVY 4.0
with Industry 4.0 skills).
Jan Shikshan Sansthan (JSS) Original: 1967 (as MSDE Skill training for non-literate, neo-
(brought under MSDE in 2018, Shramik Vidyapeeth) → literates & school dropouts,
earlier under MHRD) revamped 2018 focus on women & rural poor.
National Apprenticeship 2016 MSDE / Promotes apprenticeship training,
Promotion Scheme (NAPS) DGT provides stipend & cost-sharing
with industries.
Craftsman Training Scheme 1950s (First ITI MSDE / Long-term vocational training
(CTS) established 1950) DGT through Industrial Training
Institutes (ITIs).
National Skill Development 2008 (pre-SIM, PPP under Implements large-scale skill
Corporation (NSDC) integrated later) MSDE programs, Sector Skill Councils,
market-led skilling.

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National Council for Vocational 2018 (notified) MSDE Regulator for TVET (Technical &
Education and Training (NCVET) Vocational Education & Training).
Rozgar Melas & PM National Post-2022 MSDE Job placement & apprenticeship
Apprenticeship Melas opportunities for trained youth.
(PMNAMs)
Skill India Digital Hub (SIDH) 2023 (revamp under MSDE Unified platform integrating
Digital India push) skilling, education,
employment, entrepreneurship;
connects candidates with
employers.
Indian Institute of Skills (IIS) Announced 2015, MSDE High-end Industry 4.0 training,
operationalised international collaborations.
Ahmedabad & Mumbai
in PPP mode
Skill India International Announced 2023 (30 MSDE Train & place Indian youth in
Centres centres) overseas job markets.

3. Special Women & Entrepreneurship Focus

• Swavalambini Programme (Feb 2025): Women entrepreneurship awareness in NE states + UP,
Telangana (MSDE + NITI Aayog WEP).
• NAVYA (2025): Vocational training pilot for adolescent girls (MSDE + MoWCD).

69. Namo Drone Didi Scheme – 2023-26

1. Overview
• Type: Central Sector Scheme.
• Approved Outlay: ₹1,261 crore.
• Period: 2023–24 to 2025–26.
• Target: Provide 15,000 drones to Women Self Help Groups (SHGs).
• Objectives:
o Promote advanced technology in agriculture → higher efficiency, yield, lower cost.
o Empower SHGs as drone service providers → livelihood & income generation.
2. Financial Assistance
• Central Financial Assistance (CFA):
o 80% of drone package cost, up to ₹8 lakh.
• Training Support:
o Drone Pilot Training: 15 days for 1 SHG member.
o Drone Assistant Training: 5 days for another SHG member/family member.
• Training Agencies: DGCA-authorized Remote Pilot Training Organizations (RPTOs).

70. Jan Aushadi Scheme

Pradhan Mantri Bhartiya Janaushadhi Pariyojana (PMBJP) – 2025 Update
1. Overview
• Objective: Provide quality generic medicines at affordable prices to reduce healthcare cost &
out-of-pocket expenditure.
• Nodal Agency: Pharmaceuticals & Medical Devices Bureau of India (PMBI), under Dept. of
Pharmaceuticals, Ministry of Chemicals & Fertilizers.
2. Current Status (as of 30 June 2025)

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• Jan Aushadhi Kendras (JAKs): 16,912 operational across States/UTs.
• Target: 25,000 JAKs by March 2027.

71. PM-DAKSH Scheme (Pradhan Mantri Dakshta Aur Kushalta Sampann Hitgrahi Yojana)
1. Overview
• Type: Central Sector Scheme
• Launched: 2020–21
• Implementing Ministry: Ministry of Social Justice & Empowerment
• Objective: Enhance competency of marginalized groups → make them employable in
wage/self-employment for socio-economic development.
2. Target Groups
• Scheduled Castes (SCs)
• Other Backward Classes (OBCs)
• De-notified Tribes (DNTs)
• Economically Weaker Sections (EWS)
• Safai Karamcharis including Waste Pickers
3. Eligibility Criteria
• OBCs/EWS: Annual family income < ₹3 lakh
• SCs / DNTs / Safai Karamcharis (incl. waste pickers): No income limit

72. Samarth Scheme (Scheme for Capacity Building in Textiles Sector)

1. Overview
• Ministry: Ministry of Textiles
• Coverage: PAN-India
• Objective: Provide demand-driven, placement-oriented skilling programmes to supplement
industry efforts in job creation.
• Value Chain Coverage: Entire textile chain except Spinning & Weaving in organized sector.
2. Key Features
1. Demand-driven approach
o Textile industries directly empanelled to provide training based on their requirements.
2. NSQF-Aligned Courses
o Training in 120 job roles to enhance employability.
3. Placement-linked Training
o Entry Level Training: 70% placement mandate
o Upskilling Training: 90% placement mandate
o Retention: 6 months post-placement support
4. Self-employment Provision
o Special focus on traditional sectors: Handloom, Handicraft, Jute & Wool.

73. Green Steel Taxanomy

Ministry of Steel, NITI Aayog, Bureau of Energy Efficiency (BEE) are drafting an Indian Green Steel
Taxonomy (2024–25).
• Likely thresholds being debated:
0.5 tCO₂/tonne crude steel (near-term “green” cutoff, harmonized with EU).
Progressive tightening to 0.2–0.3 tCO₂/tonne by 2040–2050.

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74. NCDC Schemes for Women Cooperatives
1. Swayamshakti Sahakar Yojna
• Objective:
o Provide affordable, cost-effective and reliable financial services to poor women.
o Facilitate women SHGs to access adequate bank credit.
o Promote collective socio-economic activities and sustainable livelihood.
• Eligibility:
o PACS (Primary Agricultural Credit Societies)
o DCCBs (District Central Cooperative Banks)
o StCBs (State Cooperative Banks)
o SHG Federated Cooperatives / Cooperative Federations
• Support:
o Loan assistance from NCDC for group-based livelihood activities.
2. Nandini Sahakar
• Focus: A women-focused framework of financial assistance, enterprise support and capacity
building.
• Coverage: All business model-based activities across sectors, except urban housing.
• Objectives:
o Support women cooperatives in line with Atmanirbhar Bharat.
o Foster entrepreneurial dynamism via:
▪ Enterprise development
▪ Business planning
▪ Capacity building
▪ Financial credit support with interest subvention.
• Impact: Helps women cooperatives diversify into modern, scalable, and sustainable ventures.

75. India’s Resolution at Ramsar COP-15

Theme Introduced: “Promoting Sustainable Lifestyles for the Wise Use of Wetlands”
Context
• Ramsar Convention = Global treaty (1971, Ramsar, Iran) for the conservation & wise use of
wetlands.
• 15th Conference of Parties (COP-15) → held at Victoria Falls, Zimbabwe (2025).
• India has been an active Party, with 80+ Ramsar sites (largest in Asia).

76. Banking Laws (Amendment) Act, 2025

• Notified: 15 April 2025
• Effective from: 1 August 2025 (selected provisions)
• Coverage: Amends five legislations
1. Reserve Bank of India Act, 1934
2. Banking Regulation Act, 1949
3. State Bank of India Act, 1955
4. Banking Companies (Acquisition & Transfer of Undertakings) Act, 1970
5. Banking Companies (Acquisition & Transfer of Undertakings) Act, 1980
• Number of amendments: 19

Key Provisions Effective from 1 August 2025

(as per Gazette Notification S.O. 3494(E), dated 29 July 2025)

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1. Substantial Interest Threshold
• Old: ₹5 lakh (unchanged since 1968).
• New: ₹2 crore.
• Aim → reflects modern banking scale, strengthens governance, curbs conflict of interest.
2. Tenure of Directors in Cooperative Banks
• Old: Maximum 8 years.
• New: Maximum 10 years (excluding chairperson & whole-time director).
• Aligned with 97th Constitutional Amendment (cooperative sector reforms).
3. Unclaimed Shares & Bond Redemption
• PSBs can now transfer unclaimed shares, dividends, and redemption proceeds to the
Investor Education and Protection Fund (IEPF).
• Brings PSBs at par with provisions under the Companies Act.
4. Remuneration of Statutory Auditors
• PSBs empowered to offer remuneration to statutory auditors.
• Aim → attract high-quality auditors & improve audit standards.

77. Grant-in-Aid to NCDC (2025–29)

Approved by: Union Cabinet chaired by PM Shri Narendra Modi
Scheme Type: Central Sector Scheme
Outlay: ₹2,000 crore (₹500 crore/year from FY 2025-26 to FY 2028-29)
Implementing Agency: National Cooperative Development Corporation (NCDC)
Financial Structure
• Govt. grant of ₹2,000 crore over 4 years.
• On this basis, NCDC can leverage & raise ₹20,000 crore from the open market.
• Funds to be used for:
o New projects
o Expansion / modernization / technology upgradation
o Working capital requirements of cooperatives.

[Link] Afforestation Fund Management and Planning Authority (CAMPA)

1. Legal Basis
• Created under the Compensatory Afforestation Fund Act, 2016 (CAF Act).
• Supported by CAF Rules, 2018.

2. Purpose
• To manage funds collected as compensatory levies from user agencies (e.g., mining, power,
infra projects) when forest land is diverted for non-forestry purposes under Van (Sanrakshan
Evam Samvardhan) Adhiniyam, 1980 (Forest Conservation Act, 1980).
• Goal: Compensate loss of forests & ecosystem services.

3. Fund Structure
• Two levels of funds:
1. National Compensatory Afforestation Fund (Public Account of India).
2. State Compensatory Afforestation Funds (Public Account of each State).

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79. India–Morocco MLAT (Mutual Legal Assistance Treaty)
Objective
• To promote fruitful cooperation in the judicial and legal spheres between India and Morocco.
• To facilitate the widest possible mutual legal assistance in civil and commercial matters, in
line with the national laws of both countries.

80.11th National Handloom Day – 7 August 2025

Sant Kabir Awards → for outstanding weavers in preserving & promoting traditional crafts.
The theme for 11th National Handloom Day (2025) is “Weaving Innovation into Tradition.”

81. What is NSTFDC?

National Scheduled Tribes Finance & Development Corporation (NSTFDC) is a GoI CPSE under the
Ministry of Tribal Affairs that provides concessional finance to Scheduled Tribe (ST) individuals, SHGs,
and agencies for income-generating/self-employment activities.
Purpose
• Low-cost term loans / micro-loans / working capital to ST beneficiaries
• For small business, agriculture & allied, services, trading, skill-linked enterprises, etc.
• Disbursed via State Channelizing Agencies (SCAs), banks/implementing partners.

Holistic Coverage Phase I + II + Interview Holistic Coverage Phase I

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