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In India, the minimum age to open a trading account and invest in the stock market is 18 years. Minors under 18 can invest in the stock market through a guardian-operated account until they reach the age of majority.
In India, the minimum age to open a trading account and invest in the stock market is 18 years. Minors under 18 can invest in the stock market through a guardian-operated account until they reach the age of majority.
See lessWays which would promote the youngsters to drink more liquid to keep them hydrated the whole day..
To encourage youngsters to drink more liquids and stay hydrated throughout the day, here are some fun and effective ways: 1. **Infused Water**: Encourage them to infuse water with fruits like berries, citrus, or herbs like mint for a flavorful twist that makes drinking water more enjoyable.Read more
To encourage youngsters to drink more liquids and stay hydrated throughout the day, here are some fun and effective ways:
1. **Infused Water**: Encourage them to infuse water with fruits like berries, citrus, or herbs like mint for a flavorful twist that makes drinking water more enjoyable.
2. **Reusable Water Bottles**: Provide them with colorful and trendy reusable water bottles that they can carry around, making it convenient for them to sip water throughout the day.
3. **Water Drinking Apps**: Suggest using apps that remind them to drink water at regular intervals or track their daily water intake, turning hydration into a fun challenge.
4. **Hydration Challenges**: Organize hydration challenges among friends or family, setting goals for the number of glasses of water to drink each day and rewarding achievements.
5. **Creative Ice Cubes**: Freeze fruits or herbs in ice cube trays to add a pop of flavor to their drinks, making hydration more exciting and visually appealing.
6. **Smoothies and Juices**: Encourage the consumption of hydrating beverages like smoothies, coconut water, or freshly squeezed juices as tasty alternatives to plain water.
By incorporating these creative and engaging strategies, youngsters can develop healthy hydration habits that keep them energized, focused, and well-hydrated throughout the day.
See lessAnalyze the effects of the government’s initiatives to support the development of the nation’s digital infrastructure, such as the rollout of the Digital India program, the expansion of broadband connectivity, and the efforts to harness emerging technologies like 5G. You ...
The Indian government has undertaken several key strategies to promote the development of digital infrastructure, aiming to foster a robust digital economy, enhance public service delivery, and ensure greater inclusion of underserved communities. Here’s an evaluation of these strategies: 1. ExpansioRead more
The Indian government has undertaken several key strategies to promote the development of digital infrastructure, aiming to foster a robust digital economy, enhance public service delivery, and ensure greater inclusion of underserved communities. Here’s an evaluation of these strategies:
In summary, the government’s strategies to develop digital infrastructure have had a substantial impact on the growth of the digital economy, the efficiency of public services, and the inclusion of underserved communities. While progress is notable, ongoing efforts are needed to address existing challenges and ensure that the benefits of digital advancements are universally accessible.
See lessWhat are assets that do not perform (NPAs)? Describe the steps the government has recently made to combat the threat posed by non-performing assets (NPAs) in India. (Answer in 200 words)
NPA stands for Non-performing assets (NPAs). As per the Reserve Bank of India NPAs are loans or advances, due for more than 90 days. In other words, an asset becomes non-performing when it stops generating income for the bank. In case of agricultural advances cropping seasons are taken into cRead more
NPA stands for Non-performing assets (NPAs). As per the Reserve Bank of India NPAs are loans or advances, due for more than 90 days. In other words, an asset becomes non-performing when it stops generating income for the bank. In case of agricultural advances cropping seasons are taken into consideration instead of 90 days. Increasing NPAs is not a good sign for the banking sector and economy as it shows the inability of people to repay the loan.
Types of NPAs
Non-performing assets are categorized into various types based on specific criteria.
1. Substandard Assets: The assets have remained NPA for a period less than or equal to 12 months.
2. Doubtful Assets: Assets that have remained in the substandard category for 12 months.
3. Loss Assets: Assets where loss has been identified by the bank or external auditors or the RBI, but the amount has not been written off.
Measures Taken to Control NPAs by the Government
1. Insolvency and Bankruptcy Code (IBC), 2016:
It aims to improve the ease of doing business and a single-step solution to resolve insolvency issues.
To oversee the implementation of the law and insolvency professionals.
The incorporation of the IBC has significantly improved the recovery rates of bad loans by providing quicker resolution and restructuring of assets.
2. Asset Quality Review (AQR):
The RBI introduces an AQR to identify stressed assets in the banking system. This exercise focused on bringing transparency and improving the recognition of NPAs on the bank’s books.
3. Strategic Debt Restructuring (SDR), 2015:
If corporations are unable to repay their bank loans, the banks have the option to convert part or all of the loans into equity shares.
4. Mission Indradhanush:
This initiative was launched to revise the functioning of PSBs and identify issues like accountability, governance, and the overall condition of the banking sector.
It includes appointing professionals to major positions, empowering risk control measures, and improving the efficiency of bank operations.
5. Debt Recovery Tribunal (DRT), 2013:
It is governed by the Recovery of Debt Due to Banks and Financial Institutions Act, of 1993.
The aim was to shorten the time needed for case settlements.
6. Joint Lenders Forum (2014):
This measure is implemented to prevent the situation where a loan is taken from one bank to repay loans from other banks.
7. 5:25 Rule (2014):
It is also known as the Flexible Restructuring of Long Term Project Loans to Infrastructure and Core Industries and involves the refinancing of long-term projects.
8. Corporate Debt Restructuring (2005):
It minimizes the company’s debt burden by extending the repayment period and lowering the interest rates.
9. Asset Reconstruction Companies (ARC)
This measure helps in recovering value from distressed loans without going through the time-consuming process of court.
10. The SARFAESI Act (Securitization and Reconstruction of Financial Assets and Enforcement of Security Interest Act), 2002:
This act allows banks and financial institutions to auction residential or commercial properties to recover loans of defaulters.
The amendment in 2016 aimed to encourage banks to take possession of collateral security and sell them without the interference of courts.
11. Bad Bank – National Asset Reconstruction Company Limited (NARCL):
The government suggested setting up a ‘bad bank’ to manage and dispose of stressed assets of banks.
It will facilitate the aggregation and resolution of large-value NPAs along with the India Debt Resolution Company Limited (IDRCL).
12. Empowering Governance in Banks:
It includes the establishment of the Banks Board Bureau (BBB) to recommend appointments of directors and ensure the professionalization in bank management.
Improved investigation and accountability norms to avoid the reoccurrence of large frauds.
13. One-Time Settlement Schemes:
Banks have been encouraged to offer one-time settlement schemes to borrowers, especially in the MSME sector, to expedite the recovery process.
14. MSME Debt Restructuring:
The government and RBI have provided relief to the MSME sector by allowing the restructuring of their stressed assets without devaluing them.
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Answer the question in maximum 200 words. This question carries 11 marks. [MPPSC 2022] Energy: what is it? Describe the various forms it takes. Talk in-depth about renewable energy.
Introduction: Energy is the capacity to perform work or produce change. It exists in various forms and is essential for powering all activities and processes in both natural and human-engineered systems. Different Forms of Energy: Kinetic Energy: The energy of motion. For example, a moving car or flRead more
Introduction: Energy is the capacity to perform work or produce change. It exists in various forms and is essential for powering all activities and processes in both natural and human-engineered systems.
Different Forms of Energy:
Renewable Energy: Renewable energy comes from sources that are naturally replenished on a human timescale. Unlike fossil fuels, renewable energy sources have minimal environmental impact and are sustainable.
1. Solar Energy:
2. Wind Energy:
3. Hydropower:
4. Biomass Energy:
5. Geothermal Energy:
Benefits of Renewable Energy:
Challenges:
Conclusion: Energy exists in various forms, each essential for different applications. Renewable energy, with its diverse sources like solar, wind, hydropower, biomass, and geothermal, offers a sustainable and environmentally friendly alternative to fossil fuels. Recent advancements in renewable energy technologies and projects illustrate their growing importance in the global energy landscape.
See lessExamine India’s improvements in terms of literacy rates and educational attainment, especially in light of the Right to Education Act and the National Education Policy 2020. You should also talk about the ongoing issues with equity, quality, and the education ...
Progress in Improving Literacy Rates and Educational Outcomes in India 1. Overview of Literacy and Educational Reforms Right to Education Act (RTE) 2009 Objective and Scope: The Right to Education Act, enacted in 2009, guarantees free and compulsory education for children aged 6 to 14 years. It mandRead more
Progress in Improving Literacy Rates and Educational Outcomes in India
1. Overview of Literacy and Educational Reforms
Right to Education Act (RTE) 2009
National Education Policy (NEP) 2020
2. Achievements and Progress
Improvement in Literacy Rates
Enhancing Educational Outcomes
Curricular and Pedagogical Reforms
3. Persistent Challenges
Quality of Education
Equity and Inclusion
Alignment with Development Needs
4. Strategies to Address Challenges
Improving Quality of Education
Promoting Equity and Inclusion
Aligning Education with Development Needs
5. Conclusion
India has made commendable progress in improving literacy rates and educational outcomes through initiatives like the Right to Education Act and the National Education Policy 2020. While there have been significant achievements, challenges such as variability in education quality, equity issues, and alignment with development needs persist. Addressing these challenges through targeted interventions, curriculum reforms, and improved teacher training will be crucial in achieving the goal of equitable, quality education for all and aligning the education system with the country’s development objectives.
See lessAnswer the question in maximum 15 to 20 words. This question carries 03 marks.[MPPSC 2022] Which portal offers residents and other stakeholders a single point of access to the data and services offered by the Indian government?
Single Window Portal for Indian Government Services Introduction The Indian government has established various digital platforms to streamline access to information and services for citizens and other stakeholders. Among these, the Government of India’s Digital Portal, the commonly known as India.goRead more
Single Window Portal for Indian Government Services
Introduction The Indian government has established various digital platforms to streamline access to information and services for citizens and other stakeholders. Among these, the Government of India’s Digital Portal, the commonly known as India.gov.in, serves as the primary single-window portal.
Features of India.gov.in
Recent Examples and Developments
Conclusion India.gov.in stands out as a crucial single-window portal, offering comprehensive access to a myriad of government services and information. Its role in facilitating seamless interaction between the government and citizens is pivotal in promoting transparency, efficiency, and public engagement. The portal continues to evolve, incorporating new technologies and responding to contemporary challenges, thus reaffirming its significance in the digital governance landscape of India.
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Role of Genetically Modified Organisms (GMOs) in Modern Agriculture Increased Crop Yields GMOs are engineered for higher productivity.Enhanced resistance to pests, diseases, and adverse weather conditions. Pest and Disease Resistance Crops can be modified to resist specifRead more
Role of Genetically Modified Organisms (GMOs) in Modern Agriculture
Increased Crop Yields
GMOs are engineered for higher productivity.Enhanced resistance to pests, diseases, and adverse weather conditions.
Pest and Disease Resistance
Crops can be modified to resist specific pests and diseases.Reduces the need for chemical pesticides, lowering environmental impact.
Herbicide Tolerance
GM crops can be designed to withstand specific herbicides.Facilitates weed control and reduces crop damage from herbicide application.
Improved Nutritional Content
Biofortification enhances the nutritional value of crops (e.g., Golden Rice with added Vitamin A).Addresses nutritional deficiencies in developing countries.
Environmental Benefits
Reduced pesticide and herbicide use lowers chemical runoff into ecosystems.Decreased need for tilling reduces soil erosion and greenhouse gas emissions.
Economic Benefits for Farmers
Higher yields and reduced input costs can increase farmers’ profits.GMOs can contribute to food security by stabilizing crop production.Conclusion
GMOs play a crucial role in modern agriculture by increasing crop yields, reducing chemical inputs, improving nutritional content, and providing economic benefits. They contribute to sustainable farming practices and help address global food security challenges.
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What are the benefits of exercising?
Exercising has many benefits both internally and externally. In the recent years where we have started living a sedentary lifestyle, it is very important to exercise to keep us fit and healthy. The one thing that social media has done that has a positive impact is its stress on exercise and living aRead more
Exercising has many benefits both internally and externally. In the recent years where we have started living a sedentary lifestyle, it is very important to exercise to keep us fit and healthy. The one thing that social media has done that has a positive impact is its stress on exercise and living an active life.
While most of us live without much physical activity in our lives, it is very important to exercise to keep us physically active. Exercise not only helps to build endurance and keep our body in check but it does keep us mentally fit as well. Studies have shown that exercise not only helps to improve muscles, but it also does help in reducing the risk of heart diseases, other health concerns. It is proven that exercise reduces anxiety and depression. Exercise helps in weight management and improves one’s sleep quality. It is said that regular physical activity can improve one’s quality of life by keeping them away from many diseases and health concerns. So it is very important and essential to exercise on a daily or a weekly basis for a better life.
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The intense competition for limited seats in competitive exams in India, leading to significant stress and depression among students, is a complex issue that requires a multi-faceted solution. Here are several strategies that could help alleviate this problem: 1. Educational Reforms a. DiversificatiRead more
The intense competition for limited seats in competitive exams in India, leading to significant stress and depression among students, is a complex issue that requires a multi-faceted solution. Here are several strategies that could help alleviate this problem:
1. Educational Reforms
a. Diversification of Opportunities:
b. Curriculum Overhaul:
2. Examination Reforms
a. Multiple Assessment Opportunities:
b. Increase Seats and Institutions:
3. Mental Health Support
a. Counseling Services:
b. Stress Management Programs:
4. Parental and Societal Support
a. Parental Awareness Programs:
b. Societal Attitude Change:
5. Technological Solutions
a. Online Learning Platforms:
b. Early Career Guidance:
6. Government and Policy Initiatives
a. Policy Reforms:
b. Collaboration with Private Sector:
Implementation Strategy
By addressing the issue through educational reforms, examination changes, mental health support, societal and parental involvement, technological advancements, and policy initiatives, it is possible to reduce the pressure on students and create a more supportive and inclusive educational environment.
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