GA BOOSTER CAPSULE – 2019

GA BOOSTER CAPSULE – 2019

Table of Contents
1. Banks in NEWS............................................................................................................................................. 4
2. Digital Initiatives by Banks .......................................................................................................................... 11
3. Mergers in Indian Banking Industry ............................................................................................................. 12
4. Indian Currency Notes ................................................................................................................................ 14
5. Currency Printing & Coin Minting in India.................................................................................................... 14
6. Types of Banking......................................................................................................................................... 15
7. Digital Banking............................................................................................................................................ 17
9. Monetary Policies ....................................................................................................................................... 19
10. Important Acts......................................................................................................................................... 20
11. Important Financial Institutions ............................................................................................................... 21
12. NBFCs ..................................................................................................................................................... 24
13. Electoral Bonds ......................................................................................................................................... 26
14. Electronic Fund Transfer at Point of Sale ................................................................................................... 27
15. Priority Sector Lending .............................................................................................................................. 27
16. KYC ........................................................................................................................................................... 27
17. NPA and Recovery .................................................................................................................................... 28
18. Financial Inclusion .................................................................................................................................... 29
19. Banking Ombudsman Scheme ................................................................................................................... 30
20. Abbreviations ........................................................................................................................................... 31
21. Capital Market .......................................................................................................................................... 31
22. Money Market .......................................................................................................................................... 33
23. Basel Norms ............................................................................................................................................. 34
24. Maharatna, Navratna & Miniratna Category of PSEs ................................................................................. 34
25. List of International Airports in India ......................................................................................................... 36
26. List of Revolutions in India ........................................................................................................................ 37
27. Indian & International Bank Taglines ......................................................................................................... 38
28. Union Cabinet Ministers & their Constituency ........................................................................................... 39
29. Census 2011 ............................................................................................................................................. 41
30. Rivers, Dams & States ............................................................................................................................... 42
31. List of Major Ports in India ........................................................................................................................ 43
32. Major Atomic/Thermal/Hydro Power Plants.............................................................................................. 43
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33. List of Upcoming Sports Venues ................................................................................................................ 45

34. List of New Appointments......................................................................................................................... 47
35. National Parks & Wildlife Sanctuaries........................................................................................................ 49
36. Important Days ......................................................................................................................................... 51
37. Joint Military Exercises.............................................................................................................................. 52
38. Reports & Indices...................................................................................................................................... 53
39. Classical Folk Dances................................................................................................................................. 54
40. Stock Exchanges Around the World........................................................................................................... 55
41. Nick Names of Cities ................................................................................................................................ 55
42. International Organisations & Headquarters ............................................................................................. 55
43. Famous Temples ...................................................................................................................................... 56
44. Stadiums in India ...................................................................................................................................... 57
45. Boundary Lines ........................................................................................................................................ 57
46. Books & Authors ...................................................................................................................................... 58
47. Nobel Prize Winners 2018 ....................................................................................................................... 59
48. UNESCO World Heritage Site .................................................................................................................... 60

1. Banks in NEWS
ICICI Bank
Updated Schemes/New Launches
ICICI Prudential AMC launched Bharat
Consumption Scheme which aims at taking
advantage from the India’s fastest growing
consumption market.
The Open Ended Equity Scheme was open for
the period from March 26 to April 9, 2019.
ICICI Securities and Bombay Stock Exchange
(BSE) has launched 'eATM' facility to enable
users to receive the pay-out within 30
minutes of selling the shares. The new
service has a cap of ₹50,000 per client a day
and is applicable on about 600 stocks listed
on the BSE.
Partnerships/Tie-Ups
ICICI Lombard General Insurance has entered
into a partnership with MobiKwik to provide
cyber insurance cover for its mobile wallet
users. The insurance can be bought through
the app at only ₹99 per month for a sum of
₹50,000.
Xiaomi and ICICI Bank have entered into an
agreement for providing the role of the
payment service provider to Xiaomi
customers.
ICICI Lombard has entered into a tie-up with
AnyTimeLoan.in (ATL), a peer-to-peer
lending platform. Main aim is to de-risk
exposure of lenders and borrowers arising
from uncertainties such as accidents, critical
illness, death, disability, etc. The ATL will be
facilitating loans as small as ₹ 1000 to ₹10
lakh for a minimum period of 1 day to a
maximum of 3 years.
Bank In News
ICICI Bank terminated the contract of former
managing director and CEO Chanda Kochhar
for violating the bank’s code of conduct. Ms.
Kochhar, assumed charge as MD and CEO of
ICICI Bank on May 1, 2009 and resigned in
October 2018.
GA BOOSTER CAPSULE – 2019
RBI slaps a fine of Rs.1 Crore on ICICI Bank
for delay in compliance with directions
related to global messaging software Swift.
ESAF Small Finance Bank Ltd
About ESAF Small Finance Bank Ltd
Chairman - R Prabha, Headquarters -
Thrissur, Kerala
Bank In News
ESAF is now ‘scheduled bank’ ESAF Small
Finance Bank Ltd has received the RBI’s
approval for inclusion in the second schedule
of the RBI Act, 1934.
Punjab National Bank (PNB)
Updated Schemes/New Launches
Punjab National Bank has sanctioned loans
worth ₹689 crore to over 1,600 Micro, Small
and Medium Enterprises (MSMEs) through
the psbloansin59minutes.com portal.
In November 2018, PM Modi announced the
launch of the 59 minute loan portal to
enable easy access to credit for MSMEs.
Under the Mudra Yojana, the bank has
offered loan to over 2.69 lakh small
entrepreneurs.
Partnerships/Tie-Ups
PNB has partnered with the Uttar Pradesh
government to create a model for digitization
at Kumbh Mela 2019. For convenient and
hassle-free transactions at these shops, the
bank has created the 'PNB Rupay' card which
works even without the internet.
PNB has signed an MoU with Indian Army on
the Defence Salary Package to provide free
‘RAKSHAK PLUS’ Scheme. PNB will provide
overdraft facility range from Rs 0.75 to 3.0
lakhs, multicity ‘At Par’ cheques, instant
credit of outstation cheques, preferential
allotment of lockers at concessional AMC and
free SMS alerts.

IDFC First Bank
About ESAF Small Finance Bank Ltd
MD & CEO - V. Vaidyanathan, Vice Chairman
- Rajiv Lal
Bank In News
IDFC Bank has been merged with NBFC
'Capital First' on 18 December 2018. Now it
will be known as IDFC First Bank.
India Post Bank
Bank In News
India Post Payments Bank has launched
internet banking services for all the Post
Office Savings Bank (POSB) account holders
on 14 December 2018.
Indian Bank
Awards & Achievements
Indian Bank has received The Best Bank
Award from the Tamil Nadu government on 3
March 2019.
The award was handed over to the executive
director of Indian bank M K Bhattacharya, by
CM of TN, K Palaniswami for meeting the
needs of women's self-help groups (SHGs).
Bank In News
Indian Bank was imposed a fine of Rs 1 crore
on for violating cybersecurity norms on 11
December 2018 by RBI.
IndusInd Bank
Awards & Achievements
IndusInd Bank’s Romesh Sobti, MD & CEO
has been selected as the ‘Business Standard
Banker’ of the Year for 2017-18. He received
this award earlier in 2013-14.
Bank In News
Merger of IndusInd Bank & Bharat Financial
Inclusion Limited (BFIL) has been approved
by National Company Law Tribunal (NCLT).
Post-merger, BFIL will become a subsidiary of
the Indian Bank.
BFIL is a non-banking finance company,
licensed by the Reserve Bank of India.
YES Bank
GA BOOSTER CAPSULE –2019
Awards & Achievements
Yes Bank has won Data Science Innovation
Award of the 9th edition of Aegis Graham
Bell Award 2018 for its ‘Yes Engage Enrich
Excel (EEE)’ project in data science. YES
Bank’s EEE program is an industry-first
analytics tool that aids the Bank’s relationship
managers with top 3 talking points to engage
with their customers.
Aegis Graham Bell Award promotes
innovations and entrepreneurship in the ICT
domain.
Partnerships/Tie-Ups
Yes Bank has partnered with Government of
Maharashtra to empower more than 20,000
ration shops i.e. e-PDS which can offer last
mile basic banking services to more than
seven lakh beneficiaries.
Bank In News
YES Bank has charged with a fine of Rs. 1
crore for non-compliance of directions on
Swift messaging software by RBI.
IDBI
Updated Schemes/New Launches
IDBI Bank has launched 'NRI-Insta-Online'
account opening process for NRIs residing in
the Financial Action Task Force (FATF)
member countries. Henceforth, the person
will not be required to furnish physical
documents as well as KYC proofs for opening
an account with the bank.
Bank In News
YES Bank has charged with a fine of Rs. 1
crore for non-compliance of directions on
Swift messaging software by RBI.
IDBI Bank has been categorised as a private
sector bank by the Reserve Bank of India,
with effect from January 21, 2019 post its
acquisition by Life Insurance Corporation of
India (LIC).
Bank of Maharashtra
Partnerships/Tie-Ups
BoM has joins the M1Xchange Trade
Receivables Discounting System (TReDS)
platform.

This will help bill discounting for micro, small
and medium enterprises to get their bills
financed at a competitive rate through an
auction where multiple registered financiers
can participate.
Bank In News
Bank of Maharashtra (BoM) was imposed a
fine of Rs 1-crore by RBI for non-compliance
of 'Know Your Customer' guidelines and
fraud-classification norms.
Earlier in 2018, also the RBI had imposed a
fine of Rs 1 crore on for delay to detect and
report fraud in an account.
State Bank of India
About State Bank of India
SBI Life Insurance CEO & MD - Sanjeev Nautiyal,
SBI General Insurance CEO - Pushan Mahapatra
Partnerships/Tie-Ups
SBI Life has signed a bancassurance pact with
Allahabad Bank to sell SBI Life Insurance
products through various branches of
Allahabad Bank.
Bancassurance is an arrangement through
which an insurance company can sell its
products through a bank.
Bank In News
SBI will cease to be EPFO fund manager for
retirement fund by the end of March 2019. As
to RBI rules, a bank cannot function as an
asset management company.
Currently, SBI, ICICI Securities Primary
Dealership, Reliance Capital, HSBC AMC and
UTI AMC are fund managers of the EPFO.
The State Bank of India’s UK chief Mr. Sanjiv
Chadha has been honoured with the
‘Freedom of the City Of London’ by the city of
London Corporation in recognition of his
contribution to promoting the bilateral
relations.
Pt. Jawaharlal Nehru was the previous
Indian recipient of this award and other
recipient includes author JK Rowling and
actor Dame Judi Dench.
“Committee of Creditors: An Institution of
Public Faith” was organised in Mumbai, by
the Insolvency and Bankruptcy Board of India
(IBBI), jointly with SBI & Indian Institute of
Corporate Affairs (IICA).
GA BOOSTER CAPSULE –2019
Dr. MS Sahoo (Chairperson-IBBI) & Mr.
Rajnish Kumar (Chairman-SBI) also
attended the workshop.
A consortium of banks led by State Bank of
India has agreed to provide finance for
Nagpur-Mumbai 'Samruddhi Corridor'
expressway project.
The consortium includes Punjab National
Bank, Bank of Baroda, Bank of Maharashtra
and the Life Insurance Corporation (LIC) of
India. SBI has agreed to lend the highest
amount, 8,500 crore rupees among other
lenders.
State Bank of India (SBI) raised Rs. 1,251.30
crore by issuing Basel III-compliant bonds.
SBI has launched a new system for cardless
ATM withdrawal known as YONO Cash which
will enable SBI customers to withdraw cash
without a physical debit card using a secured
two-factor authentication process.
ATMs enabled for this service will be termed
YONO Cash Point.
SBI has launched a novel product called ‘Green
Car Loan’ to encourage its customers to buy
electric vehicles (EVs) in the country.
The interest rates on these loan will be 20 basis
points lower than SBI’s existing auto loans.
The scheme comes with the longest repayment
period of up to 8 years.
In a move to benefit its customers, SBI has re-
priced its home loans up to Rs 30 lakh by 10
basis points. Accordingly, the interest rate on
housing loans of such size will now be in the
range of 8.6 to 8.9%.
The interest rate on housing loans of such size
will now be in the range of 8.6 to 8.9%.
SBI was slapped a fine of Rs 1 crore by RBI as
penalty for violating norms by not monitoring
the end use of funds in respect of one of its
borrowers.
RBI levied the penalty in the exercise of powers
conferred under Section 47 A of the Banking
Regulation Act, 1949.
Partnerships/Tie-Ups
SBI has partnered in an initiative by Ministry of
Housing and Urban Affairs, SWAGAT – the
Automatic Fare Collection Gating System.
Bharat Electronics has launched SWAGAT as a
part of the inaugural of Phase-I of the
Ahmedabad Metro.

SBI has launched a doorstep banking service for
senior citizens over 70 years of age and
differently-abled customers.
Eligible customers can avail this service at a
nominal fee of 100 rupees per transaction for
financial transactions and 60 rupees for non-
financial transactions.
Cash pickup and delivery, cheque pickup, and
cheque book slip, are some of the services that
will be provided.
SBI General Insurance launched a cyber defence
insurance product to protect businesses from
financial and reputational losses due to cyber
attacks.
This offers protection against the growing
threat of cyber breaches like hacking attacks,
identity theft, and business interruption.
Reserve Bank of India
Updated Schemes/New Launches
The Reserve Bank of India launched a 'Survey
on Retail Payment Habits of Individuals
(SRPHi)' on 26 December 2018. The survey
will be conducted in Delhi, Mumbai, Kolkata,
Chennai, Bengaluru, and Guwahati.
RBI has shortlisted TCS, Wipro, IBM India,
Capgemini Technology Services India, Dun &
Bradstreet Information Services India, and
Mindtree Ltd. to set up a digital Public Credit
Registry (PCR).
RBI has set up a six-member 'Economic
Capital framework' Committee headed by
former RBI Governor Bimal Jalan along with
members Subash Chandra Garg, Economic
Affairs Secretary, N.S. Vishwanathan, RBI
Deputy Governor and two board members of
the RBI.
RBI has tweaked the Gold Monetisation
Scheme and now it has been extended to
charitable institutions, Central Government,
State Government or any other entity owned
by the Government.
The government of India had launched the
GMS in 2015 to mobilise the gold held by
households and institutions in the country.
RBI to cut SLR gradually to 18% by mid-2019.
The current SLR is 19.5%
SLR is the portion of funds which banks are
required to maintain in the form of gold
GA BOOSTER CAPSULE –2019
reserves and the government approved
securities.
Partnerships/Tie-Ups
ICICI Lombard General Insurance has entered
into a partnership with MobiKwik to provide
cyber insurance cover for its mobile wallet
users. The insurance can be bought through
the app at only ₹99 per month for a sum of
₹50,000.
Xiaomi and ICICI Bank have entered into an
agreement for providing the role of the
payment service provider to Xiaomi
customers.
ICICI Lombard has entered into a tie-up with
AnyTimeLoan.in (ATL), a peer-to-peer
lending platform. Main aim is to de-risk
exposure of lenders and borrowers arising
from uncertainties such as accidents, critical
illness, death, disability, etc. The ATL will be
facilitating loans as small as ₹ 1000 to ₹10
lakh for a minimum period of 1 day to a
maximum of 3 years.
Bank In News
Reserve Bank of India has decided to
liberalise external commercial borrowing
(ECB) norms, to improve ease of doing
business. Hence RBI has allowed all
companies that are eligible for receiving FDIs,
to raise funds through the ECB route.
The RBI has set the minimum average
maturity period at 3 years for all ECBs,
irrespective of the amount of borrowing.
The RBI has decided to limit the liability of
customers in case of unauthorised electronic
payment transactions in Prepaid Payment
Instruments (PPIs) issued by non-banks.
If the fraud is reported between 3 to7days,
then the customer’s liability will amount to
the transaction value or Rs. 10,000.
RBI has injected 10,000 crore rupees into the
banking system through the purchase of
government securities on 17 January 2019 to
increase liquidity. The purchase will be made
through Open Market Operations (OMOs).
Rs 37,500 crore was injected into the system
through OMOs in February.
OMO refer to the buying and selling of
government securities in the open market in
order to increase or decrease the amount of
money in the banking system.

RBI has constituted a high-level committee
that will work towards deepening digital
payments in India. The committee will be
headed by Nandan Nilekani. The committee
would submit a report to the RBI every three
months to strengthen the safety and security
of digital payments.
The RBI has created a single category of NBFC
by merging their present three-tier structure.
Hence now, Asset finance, loan, and
investment companies have been merged into
a new category called NBFC- Investment and
Credit Companies. This will provide greater
operational flexibility to NBFCs.
RBI has declared an interim dividend of Rs
28,000 crore to the government.
This is the second successive year when the
RBI will be transferring an interim surplus.
The central bank transfers its surplus amount
to the government, under Section 47 of the
RBI Act, 1934.
The Reserve Bank of India raised the limit for
collateral free agriculture loans to ₹1.6 lakh
from ₹1 lakh.
The increased limit will enhance coverage of
small and marginal farmers in the formal
credit system.
The RBI has allowed the card payment providers
to offer 'Tokenisation' services. to ensure the
safety of digital transactions and reduce the
chances of fraud. It involves a process in which
a unique token hides the sensitive card details.
The token is used to perform card transactions
in contactless mode at Point Of Sale (POS)
terminals, Quick Response (QR) code payments,
etc.
The Reserve Bank of India withdrew the 20%
limit on investments by FPIs in corporate
bonds of an entity. This has been done with a
view to encourage more foreign investments.
RBI has relaxed norms for trade for imports
of capital and non-capital goods by raising the
trade credit limit to USD 150 million under
the automatic route.
Oil and gas refining & marketing, airline and
shipping companies can avail trade credits
under the automatic route. For others, the
limit is up to USD 50 million or equivalent
per import transaction.
GA BOOSTER CAPSULE –2019
RBI has relaxed the norms for white-label
ATM (WLA) operators and allowed them to
buy wholesale cash directly from the Reserve
Bank of India.
The RBI has also permitted WLA operators to
source cash from any bank, including
cooperatives and regional rural banks. WLAs
are owned and operated by non-bank entities
on behalf of the banks.
RBI has again postponed the rollout of the
new accounting standards (IndAS). The loan-
loss provision under the IndAS is recognised
based on the expected credit loss (ECL)
model.
As per RBI's recent report, India’s current
account deficit (CAD) for the third quarter
narrowed to 2.5% of the GDP compared with
2.9% in the Q2. However, on a year-on-year
basis, CAD in the October-December period
widened from 2.1% or $13.7 billion.
RBI has decided to alter the definition of bulk
deposits as single deposits of Rs 2 crore and
above, in the recent monetary policy review.
RBI set to bring back ‘exotic currency bets’
after a decade, by lifting the ban on ‘exotic
currency derivatives’. They are the double-
edged, fancy products that were banned in
2007-08 amid allegations of mis-selling.
RBI becomes the 1st central bank in the
Asia-Pacific Region to begin an explicit
interest rate easing cycle buoyed by benign
food inflation and easier global financial
condition.
According to the Reserve Bank data released
on 11 April 2019, bank credit rose 13.24% to
Rs 97.67 lakh crore for the fortnight to 29
March 2019. The deposits grew by 10.03% to
Rs 125.72 lakh crore during the same period.
The RBI has put into circulation 50 rupees
denomination banknotes signed by its
Governor Shaktikanta Das. The design of
these notes is similar in all respects to 50
banknotes in Mahatma Gandhi new series. All
banknotes in the denomination of 50 issued
by the Reserve Bank in the past will continue
to be legal tender.
The Reserve Bank of India (RBI) has reported
that Exim Bank has provided soft loans of
USD 266.60 million to Rawanda for various
projects.
The funding is done in 3 separate tranches to
support\ agricultural projects, development

of special economic zones (SEZs) and for
financing road projects.
USD 66.60 million is being funded for the
Base-ButaroKidaho Road Project. The RBI
has put into circulation 50 rupees
denomination banknotes signed by its
Governor Shaktikanta Das. The design of
these notes is similar in all respects to 50
banknotes in Mahatma Gandhi new series. All
banknotes in the denomination of 50 issued
by the Reserve Bank in the past will continue
to be legal tender.
The RBI has set the average base rate to be
charged from borrowers by NBFCs and Micro-
Finance Institutions (MFIs) at 9.21% for the
first quarter of the next fiscal.
With this divestment, the government now
holds 100% stake in both these financial
institutions.
RBI has sold its entire stake in National
Housing Bank (NHB) and the National Bank
for Agriculture & Rural Development
(NABARD) to government for Rs 1,450 crore
and Rs 20 crore respectively.
The RBI comes out with the average of the
base rates of the five largest commercial
banks for the purpose of arriving at the
interest rates to be charged by NBFC-MFIs to
its borrowers.
The RBI removed Bank of India, Bank of
Maharashtra (BoM) and Oriental Bank of
Commerce (OBC) from Prompt Corrective
Action (PCA) Framework.
NABARD
Kotak Mahindra Bank
About ESAF Small Finance Bank Ltd
Chairman - Harsh Kumar Bhanwala,
Headquarters - Mumbai
Bank In News
NABARD has announced that it will provide
early-stage capital to agriculture and rural
enterprises through its venture capital entity,
'NABVENTURES Ltd' on 7 January 2019,
NABVENTURES Ltd has been incorporated by
NABARD under the Companies Act.
HDFC Bank
Bank In News
GA BOOSTER CAPSULE –2019
HDFC Bank has been identified as No.1 Bank
by customers in India, as per Forbes World's
Best Bank survey. In the first edition of its
survey, Forbes partnered with market
research firm Statista to measure the best
banks in 23 countries.
HDFC Bank emerged as India’s No 1 bank.
ICICI Bank was at number 2 and SBI was
surprisingly ranked 11th in the list. HDFC’s
MD & CEO : Aditya Puri.
HDFC Bank Ltd crossed the ₹6 trillion market
capitalisation for the first time on 13 March
2019, making it only the country's third firm
to achieve the milestone.
HDFC Bank's stock gained for the fifth
session in a row, rising as much as 6% during
the period.
Tata Consultancy Services Ltd (TCS) and
Reliance Industries Ltd (RIL) are the other 2
companies to cross it.
HDFC MF becomes the largest AMC in India
surpassing the ICICI Prudential MF to become
the country's largest asset management
company. HDFC manages assets of Rs 3.35
lakh crore, while those of ICICI Prudential MF
stood at Rs 3.08 lakh crore. SBI MF is at the
third place with Rs 2.64 lakh crore, followed
by Aditya Birla Sun Life MF (Rs 2.42 lakh
crore) and Reliance MF (Rs 2.36 lakh crore).
HDFC Asset Management Co. Ltd has claimed
the top spot with an average AUM of Rs.3.42
trillion. It overtook ICICI Prudential Asset
Management Co. Ltd with an average AUM of
at Rs.3.20 trillion
Bank In News
Kotak stated that it will charge customers for
UPI transactions starting form 1st of May
2019. For each Kotak Bank account, the first
30 UPI fund transfers will be free, after which
a charge will be levied on all fund transfers
from the bank account.
This will be applicable across all platforms,
including Paytm, PhonePe, Google Pay or
Truecaller Pay among others.
The bank will charge Rs 2.50 per transaction
for an amount value below or equal to Rs
1,000, and Rs 5 per transaction will be levied
for a payment value above Rs 1,000.

South Indian Bank
Bank In News
South Indian Bank raised up to ₹250 crore by
issuing Basel III-compliant bonds.
The bonds will be rated, unsecured,
redeemable, and nonconvertible bearing face
value of ₹1 lakh each.
Basel III is compliant and lower tier 2 bonds
up to ₹150 crore.
Public sector banks' Provision Coverage Ratio
(PCR) has increased to 66.85% as of
September 2018. In 2015, the PCR was less
than 50%
The provision coverage ratio (PCR) gives an
indication of the provision made against bad
loans from the profit generated. Higher the
PCR, lower is the unexposed part of the bad
debts.
Zimbabwe has formally started trading new
currency as it tries to ease a shortage of
dollars that crushed its economy.
The initial rate for the southern African
nation’s currency, known as RTGS dollars,
will be 2.5 per US dollar.
The official inflation rate has soared to 57%
from less than 4% a year ago.
Bank of Baroda
Bank In News
Bank of Baroda's proposed merger with Dena
and Vijaya Bank will be affected from 1 April
2019. The scheme has been named as
'Amalgamation of VijayaBank and Dena Bank
with Bank of Baroda'. As per the Scheme,
shareholders of Vijaya Bank will get402
equity shares of BoB for every 1,000 shares
held. Dena Bank will receive 110 equity
shares of BoB for every 1,000 equity shares
held.
The Finance Ministry has decided to infuse Rs
5,042 crore into state-owned Bank of Baroda.
It is done ahead of the merger of two other
public sector lenders Dena Bank and Vijaya
Bank with Bank of Baroda.
Bank of Baroda will develop an agri-digital
platform called 'Baroda Kisan' in order to
provide solutions for all major agricultural
requirements. Six companies -- Skymet
Weather Services, Weather Risk Management
Services, BigHaat, Agrostar India, EM3 Agri
GA BOOSTER CAPSULE –2019
Services and Poorti Agri Services -- have
signed a memorandum of understanding
(MoU) with the bank for this project.
Other Banks In News
Bank In News
The Finance Ministry has decided to keep the
interest rate unchanged on small savings
schemes for the 3 month period beginning 1
April 2019.
The announcement covers small-saving
schemes such as the Post Office Saving
Accounts, Post Office Time Deposits, National
Saving Certificates (NSC) etc. The unchanged
interest rate means the NSC (5 years) and the
PPF (15 years) will fetch 8% interest.
Canara Bank Signs Rs 2,000 crore Term Loan
Pact with NTPC to be used to part finance its
capital expenditure. The loan has a door to
door tenure of 15 years and will be utilised to
part finance the capital expenditure of the
NTPC.
Canara Bank Becomes The First Public Sector
Bank In India to Meet RBI’s EMV Mandate.
Deposits In Jan Dhan Accounts are set to cross
Rs 1 Lakh Crore mark. On 3rd April, the total
balance in the Jan Dhan accounts was at Rs
97,665.66 and the total number of Jan Dhan
accounts crossed 35.39 crores.
More than 27.89 crores account holders have
been issued the Rupay debit cards. The
government increased the accident insurance
cover to Rs 2 lakh from Rs 1 lakh for new
accounts opened after 28th August 2018 and
the overdraft limit was also doubled to Rs
10,000.
BuyUcoin, second oldest Cryptocurrency
Exchange in India, has introduced a new and
unique platform for wholesale
cryptocurrency trading. • It is also known as
OTC (Over-the-counter) Desk that allows
users to trade on a large scale with low price
fluctuations.
IMF & World Bank have together launched a
private blockchain with a pseudo-token,
called “Learning Coin”. It will be only
accessible within the IMF and World Bank, to
teach relevant individuals within the
organizations about blockchain.
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Though the coin has no real value – hence the
description pseudo-token – staff members
who pass educational milestones will receive
the tokens which can then be redeemed for
certain rewards.
Fincare Small Finance Bank (SFB) has been
awarded the prestigious Celent Model Bank
2019 Award in the category of Financial
Inclusion, for 'Redesigning Lending to Reach
Small Businesses'.
JP Morgan becomes the first to create
cryptocurrency, called 'JPM Coin'.It will
always have a value equivalent to one US
dollar. It will be initially used internally
between JPMorgan Chase's wholesale
business clients. The bank had also built an
Ethereum-based blockchain platform for
business customers in 2018.

2. Digital Initiatives by Banks

Bank Scheme and Apps

AIRTEL + Airtel Money

Axis Bank

Axis Bank Power Salute: Banking Offers exclusive to Defence Personnel

LIME App: Country’s 1st App which is a Digital Wallet with payments, banking and
shopping facilities.

Axis bank launched Kisan credit card through which farmers can avail credit upto 250
lakh for a maximum term of 5 years. Card is also giving benefit of insurance coverage
of upto Rs 50000/-

Initiator of ‘Indian Green Card’ for farmers. Started in 1980s.

Citi Bank Launched instant chat services for its customers named Citibank Online. It is first
such customer support service in India by a Bank.

IRA (Intelligent Robotic Assistant), a ‘humanoid’ at its Mumbai branch

ICICI EazyPay App for merchants. It allows all in one acceptance payments platform

ICICI M-Pesa along with Vodafone

Kotak KayPay: Facebook-based funds transfer platform

Mahindra
Bank
Kotak Bharat - mobile banking app
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Kotak has become the 1st bank to launch debit card-based authentication
solution on NPCI’s e-Mandate (electronic mandate) API (Application Program
Interface) platform.

RBL Bank India’s first credit card exclusively for GOLF LOVERS

‘Aadhaar Payment Bridge System’ (APBS) for small ticket microfinance loan
disbursement

SBI YONO (You Only Need One App)- One app for all the banking, shopping and investment
needs.

YONO Cash Point – Customers can withdraw cash without a physical debit card from
ATMs using secured two-factor authentication process.

SBI-Intouch-Digital branches across the country with an aim to offer advanced banking
services like instant loan approvals, assistance in choosing investment portfolios and
access to latest mutual funds among others.

3. Mergers in Indian Banking Industry

Name of the Name of the Year of Punjab Gramin

Banks Banks that got Merging Bank, Malwa
New Regional
Acquired Merged Gramin Bank, and 2019
Rural Bank
Sutlej Gramin
Bank
Lakshmi Vilas
Indiabulls 2019
Bank (proposed) Dena Bank, Vijaya
Bank of
Bank, Bank of 2019
Bharat Baroda
IndusInd Bank Baroda
Financial 2019
(in Process)
Inclusion Bharatiya Mahila
2017
SBI Bank (BMB)
Bandhan Bank (in
Gruh Finance 2019
Process) State Bank of
2017
Travancore (SBT)
IDFC & Capital
IDFC First 2019
First
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State Bank of Punjab

Nedungadi Bank 2003
Bikaner and 2017 National Bank
Jaipur (SBBJ)
Bank of Benares State
2002
State Bank of Baroda Bank
2017
Hyderabad (SBH)
ICICI Bank
ICICI Limited 2002
State Bank of Limited
2017
Mysore (SBM)
ICICI Bank Bank of Madura 2001
State Bank of
2017
Patiala (SBP) HDFC Bank Times Bank 2000

Kotak Union Bank of

Sikkim Bank 1999
Mahindra ING Vysya Bank 2016 India
Bank
State Bank of Kashinath State
1995
Bank of India Bank
ICICI Bank 2010
Rajasthan
Bank of India Bank of Karad 1994
State Bank of State Bank of
2009 Punjab New Bank of
India Indore 1993
National Bank India
State Bank of State Bank of
2008 State Bank of
India Saurashtra Bank of Cochin 1985
India
Centurion Bank
HDFC Bank 2008 Lakshmi
of Punjab Canara Bank 1985
Commercial Bank
Centurion
Lord Krishna Bank of South Gujarat
Bank of 2007 2004
Bank Baroda Local Area Bank
Punjab

Indian Bareilly
Bharat Overseas Bank of
Overseas 2007 Corporation Bank 1998
Bank Baroda
Bank Ltd.

United Western Oriental Bank Bari Doab Bank

IDBI Bank 2006 1997
Bank Ltd. of Commerce Ltd

Ganesh Bank of Oriental Bank Punjab Co-

Federal Bank 2006 1997
Kurundwad of Commerce operative Bank

Centurion Bank of Punjab Allahabad United Industrial

2005 1989
Bank (BoP) Bank Bank Limited

IDBI Bank Central Bank Purvanchal Bank

IDBI Limited 2005 1990
Limited of India Ltd.

Oriental Bank Global Trust Bank Parur Central

2004 Bank of India 1990
of Commerce (GTB) Bank Ltd.
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State Bank of National Bank of Bank of

1970 Indian Bank 1990
India Lahore Ltd. Thanjavur Ltd

State Bank of Bank of

Bank of Bihar Ltd 1969 Traders Bank Ltd 1988
India Baroda

Hindustan Indian
Punjab Bank of Tamil
Commercial Bank 1986 Overseas 1990
National Bank Nadu
Ltd. Bank

4. Indian Currency Notes

Currency Dimen Motifs/ Colour 100 66×14 Rani Ki Lavender

Notes -sions Design 2 Vav
(mm)
200 66x14 Sanchi Bright
10 63x12 Sun Chocolate 6 Stupa Yellow
3 temple brown
500 44x15 Red Fort Stone
20 63x12 Ellora Greenish 0 Grey
(propose 9 caves Yellow
d)
2000 66x16 Mangalyaa Magenta
6 n
50 66x13 Hampi Fluoresce
5 with nt Blue
Chariot

5. Currency Printing & Coin Minting in India

Currency Printing and Coin Minting in India is Limited Company on 3rd February 1995. It has
mainly catered by two organisations, namely two currency presses under it:
Bharatiya Reserve Bank Note Mudran Private
Limited (BRBNMPL) and Security Printing
and Minting Corporation of India Limited
(SPMCIL).

Bharatiya Reserve Bank Note Mudran Pvt Ltd

is a wholly owned subsidiary of RBI supplying a
major portion of bank note requirement in India.
The BRBNMPL was incorporated as a Private
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Coin Minting in India

Mysore - The demand for banknotes has been
steadily increasing. To bridge the demand and
supply gap, the Government of India decided to
establish the new bank note printing press at
Mysore(Karnataka).

Salboni – Salboni or Salbani, situtated in West

Bengal is the second unit under BRBNMPL. The
present capacity of both the presses is around
16 million note pieces per year.

The Bharatiya Reserve Bank Note Mudran Pvt

Ltd made a world record in the financial year
2016-17 by printing more than 20,000
million pieces of bank notes.

Security Printing and Minting Corporation of

India Ltd is wholly owned Mini-Ratna Central
Public Sector Enterprise (CPSE) under
Government of India. It was established on 13th
January 2006 in New Delhi. SPMCIL prints bank
notes not only for India but also for foreign
countries like Iraq, Nepal, Sri Lanka, Myanmar
and Bhutan. It has following Currency Presses
and Coin Mints under it:
Mumbai - It was established in 1829.
Bombay(Mumbai) Mint has a diamond under
the date of the coin(year of issue).
Alipore (Kolkata) - It was established in 1757.
Kolkata mint has no mark under the date of the
coin(year of issue).

Saifabad (Hyderabad) - It was established in the

17th century. Hyderabad Mint has a star under
the date of the coin(year of issue). The other
mint marks from Hyderabad include a split
diamond and a dot in the diamond.

Cherlapally (Hyderabad) - It was established in

Nashik - The bank note printing in India started
in 1928 with the establishment of India Security
Press at Nashik by Government of India.
Dewas (MP) - The second bank note printing
press was established in Dewas (Madhya
Pradesh) in 1975 by Government of India.
the 17th century. Hyderabad Mint has a star
under the date of the coin(year of issue). The
other mint marks from Hyderabad include a
split diamond and a dot in the diamond.
Noida (UP) - It was established in 1988. Noida
mint has a dot under the year of issue(coin
date).

6. Types of Banking

Check below the different types of banking:


Types of Banks
Merchant Banking
Overseas Banking
Offshore Banking
Islamic Banking
Para banking
Merchant Banking
(1) Deals in commercial loans and investments.
(2) Purpose: Facilitate and/or finance
production and trade of commodities.
(3) Offerings: Issue management, portfolio
management, credit syndication, acceptance
credit, counsel on mergers and acquisitions,
insurance, etc.
Overseas Banking
(1) The kind of banking in which bank operates
its branches outside India. It Provides and
ensures stateside like banking services and
specialized services required to conduct
financial transactions.
(2) Offerings: Online loan application system
that reduces the need for paperwork and
provides customers with instant loan decision.
Offshore Banking
(1) Bank accepts currencies of countries abroad.
(2) Provides financial and legal benefits like
privacy and minimal taxation.
Islamic Banking
(1) Islamic banking is a kind of banking activity
which strictly follows the principles of the
Islamic law (Sharia).
(2) A better and more apt term for Islamic
banking is Sharia Compliant Finance.
In late 2008, a committee on Financial Sector
Reforms, headed by former RBI governor
Raghuram Rajan, had stressed on the need for
a closer look at the issue of interest-free banking
in the country. However, the Reserve Bank of
India (RBI) has decided not to pursue a proposal
for introduction of Islamic banking in the
country.
Para banking
(1) Activities which are excluded from routine
bank-work (deposits, withdrawals, giving credit,
etc.) are para banking activities.
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Narrow Banking (Safe Banks)
Green Banking
Retail Banking
Wholesale Banking
Universal Banking
(2) Banks can undertake certain eligible
financial services or activities.
(3) Para Banking activities which for banks are
limited to those permitted by RBI.
(4) Example: Insurance, portfolio management
services, to become pension fund managers,
mutual funds business, money market mutual
funds, underwriting of bonds of PSUs,
investment in venture capital funds, etc.
Narrow Banking (Safe Banks)
(1) Narrow banks do not lend money and are
therefore called ‘safe banks’. Hence, they carry
‘zero credit risk’.
(2) They use the deposits done by customers to
buy government bonds only.
(3) Advantages: (i) No danger of NPAs (ii) RBI
can easily supervise them (iii) ‘Deposit
Insurance’ is not required
(4) 11 banks that RBI, under PCA, is turning into
Narrow Banks:- Allahabad Bank, United Bank of
India, Corporation Bank, IDBI Bank, UCO Bank,
Bank of India, and Central Bank of India, Indian
Overseas Bank, Oriental Bank of Commerce,
Dena Bank, Bank of Maharashtra.
What is Deposit Insurance?
Money of customers who deposit money in
the banks is insured by DICGC. And the
customers who take loans from banks are
guaranteed of money by DICGC.
DICGC is a wholly owned subsidiary of RBI,
established on 15 July 1978 under Deposit
Insurance and Credit Guarantee Corporation
Act, 1961 for providing insurance of deposits
and guaranteeing of credit facilities to the
customers of banks.
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banks. Eg. savings accounts, mortgages and

Green Banking
(1) Promoting environmental-friendly
Practices
(2) Encourages reducing carbon footprint from
banking activities.
(1) Institute for Development and Research
defines Green Banking as an umbrella term that
refers to
(1) Practices & guidelines that make banks
sustainable in economic, environment and social
dimensions.
(2) It aims to use IT and physical infrastructure
in a efficient and effective way, with zero or
minimal impact on the environment.
(3) IDRBT offers guidelines for greening banking
at 2 levels:
(i) Making day-to-day business operations,
banking products and services greener by
following simple practices and making
them environmentally friendly. (ii) Making
IT infrastructure (including data center)
and physical infrastructure (including
buildings) greener.
For example taking initiatives so that a
bank could itself generate electricity for its
own consumption
Retail Banking
(1) Retail banking refers to consumer-
oriented services offered by commercial
various types of loans and investment
services relating to retirement and
educational planning.
(2) Retail assets of a bank: All borrower
relationships and relationships with small
businesses. Thus, including credit cards,
auto loans, mortgages, personal loans, and
small business loans.
(3) How do retail banks earn money: By
lending money to customers at a higher
rate than they pay to depositors. The
difference, known as the margin or turn, is
kept by the bank. For example, if a bank
pays 1% interest on deposits, they may
charge 6% interest on loans.
Wholesale Banking
(1) Services provided to organisations such
as mortgage Brokers, large corporate
clients, mid-sized companies, real estate
developers & investors, international trade
finance businesses, etc.
Universal Banking
(1) Recommended by R H Khan
committee. (2) It means allowing
Financial Institutions & banks to carry out
all types of banking or development
financing activity (as allowed and
permitted by RBI, Govt. & related legal
Acts).

Type Movable Movable Immovable Gold Machines

loan Stocks,
Posse- With With With advance etc.
ssion Lender Borrower Borrower against
NSC, etc.
Example Goods Assets like Housing
like Vehicle, Loan

7. Digital Banking

Digital Banking
National Payments Corporation of India (NPCI) Real-Time Gross Settlement systems (RTGS)
National Electronic Funds Transfer (NEFT)
Unstructured Supplementary Service Data (USSD) Cheque Truncation System (CTS)

Bharat Interface for Money (BHIM)
Unified Payments Interface (UPI)
Immediate Payment Service (IMPS)
NPCI
(1) National Payments Corporation of India
(NPCI) is an umbrella organization for all retail
payments system in India.
(2) It aims to allow all Indian citizens to have
unrestricted access to e - payment services.
(3) Headquarter: Mumbai
Non-Executive Chairman: Biswamohan
Mahapatra and MD and CEO: Dilip Asbe
(4) RBI Nominee Director: Mr. Sudarshan Sen.
(5) It was incorporated in December 2008 & the
Certificate of Commencement of Business was
issued in April 2009. The authorized capital was
pegged at Rs 300 crore & paid up capital was Rs
100 crore.
The National Payments Corporation of India
(NPCI) has allowed Facebook-owned
WhatsApp to beta test its BHIM UPI beta
payments service with limited user base of 1
million and low transaction limit. Four banks
will join social messaging app’s BHIM UPI
model in phases and full feature product will
be released after beta test is successful.
USSD
(1) Unstructured Supplementary Service Data
(USSD) allows users to check their balance and
get mini statements, along with making
payments, even if they don’t own a smartphone
or have access to the internet - just by dialling
*99#
(2) Was launched by NPCI in 2014
(3) On their mobile phones, banking customers
can avail the service by dialing *99#, a “Common
number across all Telecom Service Providers
(TSPs)”. After that an interactive menu gets
displayed on the mobile screen to facilitate
transactions.
(4) One can check status of his/her Aadhaar
number seeding/linking in the bank account.
(5) The service works across all GSM service
providers & brings together diverse ecosystem
partners such as Banks & TSPs (Telecom Service
Providers).
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Indian Financial System Code (IFS Code or IFSC)
Society for Worldwide Interbank Financial
Telecommunication (SWIFT)
ACU
BHIM
(1) Bharat Interface for Money is a mobile app
developed by NPCI, based on the Unified
Payment Interface (UPI) - with zero
transaction charges.
(2) The aim is to make it easy for everyone to
allow digital payments directly from the bank
account. BHIM allow users to send or receive
money to or from UPI payment addresses, or to
non-UPI based accounts. (using mobile number
or Virtual Payment Address or VPA.)
(3) It was launched by PM Modi on 30th Dec
2016. It is dedicated to Dr. Bhimrao
Ambedkar.
(4) Works on Android, iOS & Windows.
(5) It is available in 12 languages.
Famous Actor Shushant Singh Rajput will also
promote Bharat Interface for Money (BHIM)
digital payments app for cashless economy by
appearing in various video, print and social
media cashless economy by appearing in
various video, print and social media
campaigns of NITI Aayog.
UPI
(1) Unified Payments Interface (Regulated by
RBI) is an instant real-time payment system
developed by National Payments Corporation of
India facilitating inter-bank transactions.
(2) UPI withdraws and deposits funds directly
from the bank account whenever a transaction is
requested.
(3) It uses Virtual Payment Address, Account
Number with IFSC Code, Mobile Number with
MMID, Aadhaar Number.
MobiKwik one of the largest digital service
provider platform, announced the launch of
Unified Payments Interface (UPI) on its
platform via its own Virtual payment address
(VPA) handle @ikwik.
IMPS
(1) Launched in 2010, immediate payment
service (IMPS) is an instant real-time inter-bank

electronic (mobile, online banking, ATM) funds
transfer system in India.
(2) It uses mobile number or Aadhaar number to
connect with a bank account,Mobile Money
Identifier (MMID) is a 7 digit number, issued by
banks. It is clubbed with mobile number to
facilitate fund transfer.
As per a recent NPCI data, the number of
transactions through IMPS crossed 100
million marks in March 2018 and touched a
high of 120.4 million in June.
RTGS & NEFT
(1) Real-Time Gross Settlement systems (RTGS)
are funds transfer systems where transfer of
money or securities takes place from one bank
to another on a "real-time" and on "gross" basis.
(2) National Electronic Funds Transfer (NEFT)
is a nation-wide payment system facilitating
one-to-one funds transfer.
(3)There is no minimum and maximum limit for
cash remittance for NEFT. However, the
maximum amount per transaction is limited to ₹
50,000.
(4) In contrast with NEFT system, there is a
minimum limit of Rs.2,00,000 to be transferred
through RTGS. Though there is no maximum
limit.
CTS
(1) Launched: 1 February 2008
(2) Cheque Truncation System (CTS) or Image-
based Clearing System (ICS) is based on a
cheque truncation or online image-based cheque
clearing system where cheque images and
Magnetic Ink Character Recognition (MICR) data
are captured at the collecting bank branch and
transmitted electronically.(4) Cheque
Truncation System (CTS) is a cheque clearing
system undertaken by the Reserve Bank of India
(RBI) for faster clearing of cheques.
9. Monetary Policies
INDICATORS CURRENT RATE
CRR 4.00%
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IFSC
(1) The Indian Financial System Code (IFS Code
or IFSC) is an alphanumeric code that facilitates
electronic funds transfer in India.
(2) A code uniquely identifies each bank branch
participating in the two main Payment and
settlement systems in India: the Real Time Gross
Settlement (RTGS) and the National Electronic
Fund Transfer (NEFT) systems.
(3) The IFSC is an 11-character code with the
first four alphabetic characters representing the
bank name, and the last six characters (usually
umeric, but can be alphabetic) representing the
branch. The fifth character is ‘zero’ and reserved
for future use. Bank IFS Code is used by the
NEFT & RTGS systems to route the messages to
the destination banks/branches.
SWIFT
(1) The Society for Worldwide Interbank
Financial Telecommunication (SWIFT) provides
a network that enables financial institutions
worldwide to send and receive information
about financial transactions in a secure,
standardized and reliable environment.
(2) Headquarter: La Hulpe, Belgium;
(3) Chairman: Yawar Shah; CEO: Gottfried
Leibbrandt.
ACU
(1) Established: December 9, 1974
(2) Headquarters: Tehran, Iran
(3) The aim of ACU was to secure regional co-
operation about the settlement of eligible
monetary transactions to provide a system for
clearing payments among the member countries
on a multilateral basis.
SLR 19.00%
Repo Rate 6.00%
Reverse Repo Rate 5.75%

MSF 6.25%
Bank Rate 6.25%
▪ RBI, in its recent Monetary Policy
review has decided to change the
threshold limit for bulk deposit.
▪ Bulk deposits has been now been
revised as single deposits of Rs 2
crore and above.
1. CASH RESERVE RATIO
Cash Reserve Ratio (CRR) is a specified
minimum fraction of the total deposits of
customers, which Commercial Banks must hold
as reserves either in cash or as deposits with the
Central Bank.
2. STATUTORY LIQUIDITY RATIO
Statutory Liquidity Ratio (SLR) is the Indian
Government term for the reserve requirement
that the Commercial Banks in India are required
to maintain in the form of cash, gold reserves,
government approved securities before
providing credit to the customers.
3. REPO RATE
Repo Rate is the rate at which the Central Bank
of a Country (Reserve Bank of India in case of
India) lends money to Commercial Banks in the
event of any shortfall of funds.
10. Important Acts
1. RBI Act
The Reserve Bank of India Act 1934 is an Act to
constitute a Reserve Bank of India (RBI) and
provide the Central Bank with various powers to
act as the Central Bank of India.
2.NABARD Act
NABARD was established by Act 61, 1982 of the
Parliament to implement the National Bank for
Agriculture and Rural Development Act 1981.
3.RRB Act
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4. REVERSE REPO RATE
Reverse Repo Rate is the rate at which the
Central Bank of a country borrows money from
Commercial Banks within the country. It is a
monetary policy instrument which can be used
to control the money supply in the country.
5. BANK RATE
Bank rate is the rate charged by the Central
Bank for lending funds to Commercial Banks.
6. MARGINAL STANDING FACILITY
Marginal Standing Facility (MSF) is the rate at
which scheduled banks could borrow funds
overnight from the Reserve Bank of India (RBI)
against approved government securities.
7. OPEN MARKET OPERATIONS
Open Market Operations (OMO) refer to buying
and selling of government securities in the open
market to expand or contract the amount of
money in the Banking System.
The RRB Act 1976 was adopted to provide
sufficient banking and credit facility for
agriculture.
4.BANKING REGULATION Act
The Banking Regulation Act, 1949 is a legislation
in India that regulates all Banking firms in India.
5.SEBI Act
The Securities and Exchange Board of India
(SEBI) is the regulator for the securities market
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in India. It was established in the year 1988 and

given statutory powers on 30 January 1992 According to Section 13 of the Negotiable
through the SEBI Act, 1992. Instruments Act, "A negotiable instrument
means a promissory note, bill of exchange or
6. Negotiable Instruments Act 1881 cheque payable either to order or to bearer.

11. Important Financial Institutions

1. RBI 2. NABARD

The Reserve Bank of India (RBI) is India's

Central Banking Institution which controls the
monetary policy of Indian rupee. It commenced
its operations on 1 April 1935 in accordance
with the Reserve Bank of India Act 1934.
Urjit Patel is the governor of RBI.

RBI has revised its priority sector lending

guidelines for housing loan under Pradhan
Mantri Awas Yojna. Housing Loan of up to Rs
35 Lakh for dwelling costing less than 45
Lakh will be treated as PSL to uplift low cost
segment to the society.

RBI has now extended Liquidity Adjustment

Facility (LAF) to Scheduled State Co-operative
Banks (StCBs) which are CBS enabled and
have CRAR of at least 9%.

Sudha Balakrishnan is the first ever Chief

Financial Officer (CFO) of the Reserve Bank
of India (RBI).

RBI has signed a MoU with Insolvency and

Bankruptcy Board of India for cooperation in
effective implementation of insolvency laws.
National Bank for Agriculture and Rural
Development (NABARD) is India's specialised
Bank for Agriculture and Rural Development in
India. NABARD was established by Act 61, 1981
of Parliament on 12 July 1982 to implement the
National Bank for Agriculture and Rural
Development Act 1981.
HQ: Mumbai
Chairman: Dr. Harsh Kumar Bhanwala
Subsidiaries of NABARD: NABCONS, NABFINS,
ABFL.

Repco Micro Finance Ltd, a non-banking
finance company received NABARD 2018
award.
3. SEBI
The Securities and Exchange Board of India
(SEBI) is the regulator for the securities market
in India. It was established in the year 1988 and
given statutory powers on 30 January 1992
through the SEBI Act, 1992.
▪ SEBI tweaks norms for commodity
exchanges to disclose the quantum
of trading done by farmers and other
commodity market participants.
▪ Market participants include millers
and wholesalers.
▪ Currently, commodity derivatives
exchanges disseminate turnover data
for only two broad categories of
participants — clients and
proprietary.
▪ As per a recent report by SEBI, Indian
companies raised over Rs 29,300
crore by issuing Non-Convertible
Debentures (NCDs) to retail investors
in 2018.
▪ NCDs are loan-linked bonds that
cannot be converted into stocks and
usually offer higher interest rates
than the convertible.
▪ Form from 1 April 2019, transfer of
shares of listed companies can be
done only in the demat, as per SEBI.
Shares in the demat form would help
in maintaining a transparent record
of shareholding at companies amid
rising concerns over beneficial
ownership of entities. The move does
not prohibit an investor from holding
the shares in physical form even after
April 1.
Initiatives by SEBI :
(a) Capital Protection Oriented Schemes:
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The SEBI (Mutual Funds) Regulations, 1996
were amended so as to permit the launch of
Capital Protection Oriented schemes.
(b)Dispatch of Statement of Accounts:
SEBI directed mutual funds to dispatch the
statement of accounts to the unit holders
under Systematic Investment Plan (SIP) /
Systematic Transfer Plan (STP) / Systematic
Withdrawal Plan (SWP) once every quarter
ending March, June, September and December
within ten working days of the end of the
respective quarter.
(c)Gold Exchange Traded Funds:
SEBI amended the SEBI (Mutual Funds)
Regulations, 1996 to specify the methodology
for the valuation of gold for the purpose of
Gold Exchange Traded Funds (GETFs).
(d) Real Estate Mutual Fund (REMF):
REMF Scheme means a scheme of a mutual
fund which has investment objective to invest
directly or indirectly in real estate property
and shall be governed by the provisions and
guidelines under SEBI (Mutual Funds)
Regulations.
(e) Standard Warning in Advertisements
by Mutual Funds.
In order to improve the manner in which the
said message was conveyed to the investors,
it was decided in consultation with AMFI that
with effect from April 1, 2008, the time for
display and voice over and audio
advertisements of the standard warning be
enhanced to five seconds.
4. NATIONAL HOUSING BANK
Housing Bank (NHB), a wholly owned subsidiary
of Reserve Bank of India (RBI), was set up on 9
July 1988 under the National Housing Bank Act,
1987.
The National Housing Bank (NHB) has
sanctioned around Rs 3,018 crore under the
credit-linked subsidy scheme (CLSS) of the
Pradhan Mantri Awas Yojana (PMAY).

MD and CEO of NHB - Sriram Kalyanaraman.
5. EXIM BANK
Export–Import Bank of India is the premier
export finance institution in India, established in
1982 under Export-Import Bank of India Act
1981.
▪ Capital infusion in Exim Bank has
been approved by Union Cabinet.
▪ Rs 6000 crore will be infused in
Export-Import Bank of India (Exim
Bank) to aid it in expanding its
business.
▪ The government had infused Rs 500
crore in Exim Bank in the last
financial year.
▪ David Rasquinha is the Managing
Director of EXIM Bank.
▪ Exim Bank gave a loan of $ 83.11
million to Congo to finance three
solar power projects in the central
African country. The loan will be
utilised for financing 3 solar
photovoltaic power projects with a
total capacity of 35 MW in 3
provinces -- Karawa, Mbandaka, and
Lusambo. Projects covered under the
LOCs extended to Congo include
hydroelectric power projects, power
transmission, and more.
The Cabinet approved a joint research on the
distributed ledger and blockchain technology
by Export-Import Bank of India (Exim Bank)
with member-banks of Brazil, Russia, India,
China and South Africa (BRICS).
6. DICGC
Deposit Insurance and Credit Guarantee
Corporation (DICGC) is a subsidiary of Reserve
Bank of India. It was established on 15 July 1978
under Deposit Insurance and Credit Guarantee
Corporation Act, 1961.
HQ: Mumbai;
Chairman: N S Vishwanathan
8. SIDBI
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Small Industries Development Bank of India
(SIDBI) is a development financial institution in
India. It was established on 2nd April 1990.
Small Industries Development Bank of
India (SIDBI) and Common Service Centres
(CSC) Special Purpose Vehicle (SPV) signed
MoU for providing financial Support village
level entrepreneurs in CSCs.
The Small Industries Development Bank of
India (SIDBI) celebrates its foundation day on
2nd April every year.
9. IFC
The International Finance Corporation (IFC) is
an International Financial Institution that offers
investment, advisory, and asset-management
services to encourage private-sector
development in developing countries. It was
established in 20 July 1956.
10. IRDAI
The Insurance Regulatory and Development
Authority of India (IRDAI) is an autonomous,
statutory body tasked with regulating and
promoting the insurance and reinsurance
industries in India.
▪ IRDAI has imposed a fine of Rs 9 lakh
on state-owned United India
Insurance Co (UIIC) Ltd for violating
certain procedures.
▪ UIIC is headquartered in Chennai,
while IRDAI is in Hyderabad.
▪ IRDAI and National Health Authority
form a joint working group to
recommend measures to improve the
implementation of the Centre’s
Ayushman Bharat Pradhan Mantri
Jan Arogya Yojana (AB-PMJAY). The
joint working group will be chaired
by Dinesh Arora, Deputy CEO of NHA.
▪ IRDAI has set up a panel to identify
Systemically Important Insurers (SII)
headed by Pravin Kutumbe. The
panel will develop a paper on
assessment methodology for SIIs in

India and recommend enhanced
supervision for them.
▪ IRDAI has set up a 13 member
committee to review the regulatory
framework on microinsurance &
recommend measures to increase the
demand for such products. The
Committee will be haeded by IRDAI
Executive Director Suresh Mathur.
▪ Government of India. NITI Aayog acts as the
▪ According to a recent report by
IRDAI, Non-life insurance firms have
registered a rise of 13% in their
collective premium income to Rs 1.70
lakh crore in March 2019. Earlier the
34 non-life insurers had a gross
premium of Rs 1.51 lakh crore in
2017-18.
Initiatives by IRDAI :
(a) Insurers to cover mental illness under
medical insurance policy:
According to provisions of the Act, mental
health care includes analysis and diagnosis of
person’s mental condition and treatment as
well as care and rehabilitation of such person
for his mental illness or suspected mental
illness.
(b)IRDAI’s admission as a Signatory to
IAIS, MMoU:
The Union Cabinet has approved IRDAI’s
admission as a signatory to International
Association of Insurance Supervisors (IAIS),
Multilateral Memorandum of Understanding
(MMoU).
(c) No Vehicle Insurance without Pollution
Certificate:
IRDAI has made it mandatory for every
vehicle owner to have a valid PUC certificate
12.
A non-banking institution is a company having
principal business of receiving deposits under
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to comply with the prescribed emission
norms. A vehicle without such certificate is
liable to be prosecuted under the Motor
Vehicles Act.
11. NITI AAYOG
The National Institution for Transformation of
India also known as the NITI Aayog has been
created to serve as a think tank for the
major platform of the Government of India to
bring States to act together in national interest,
and thereby fosters Cooperative Federalism.
Initiatives by NITI :
(a) Agreement with Microsoft for AI:
NITI Aayog has inked an agreement with
Microsoft India to deploy artificial
intelligence (AI) technologies to address
challenges in agriculture and healthcare and
promote adoption of local language
computing among others.
(b)South Asian Regional Conference on
Urban Infrastructure:
It was organised by NITI Aayog in New Delhi
in partnership with United Nations Economic
and Social Commission for Asia and Pacific
(UNESCAP) and Asian Development Bank.
(c)Himalayan State Regional Council:
NITI Aayog has constituted Himalayan State
Regional Council to ensure sustainable
development of the Himalayan Region.
(d) Transforming India Lecture Series:
As the government’s premier think-tank, NITI
Aayog views knowledge building & transfer
as the enabler of real transformation in
States.
NBFCs
any scheme or arrangement in one lump sum or
in instalments by way of contributions or in any
 GA BOOSTER CAPSULE –2019

other manner, is known as non-banking NBFC-ND),

financial company.
According to RBI, A Non-Banking Financial
Company (NBFC) is a company registered under
the Companies Act, 1956 engaged in the
business of loans and advances, acquisition of
securities, etc. issued by Government or local
authority or other marketable securities of a like
nature, leasing, hire-purchase, insurance
business, chit business.
(c) By the kind of activity they conduct.
▪ Reserve Bank of India has created single
category NBFC by merging their present
three-tier structure.
▪ Asset finance, loan, and investment
companies have been merged into a new
category called NBFC- Investment and
Credit Companies. This will provide
greater operational flexibility to NBFCs.

▪ As per a recent RBI repost, the Types of NBFCs:

balance sheet size ofNBFCs grew by
17.2% to Rs 26 trillion in September 1. Asset Finance Company (AFC)
2018 from Rs 22.2 trillion in
September 2017. ➢ An AFC’s principal business is financing of
▪ The NBFCs Capital to Risk-weighted physical assets supporting
Assets Ratio (CRAR) decreased to productive/economic activity, such as
21% in September 2018 from 22.8% automobiles, tractors, lathe machines,
in March 2018. generator sets, earth moving and material
▪ While, Loans and advances in the handling equipment, moving on own power
NBFC sector increased by 16.3% and and general purpose industrial machines.
investments increased by 14.1%.
2. Investment Company (IC)
▪ NBFCs and MFIs raised about Rs.
26,200 crore through securitisation
in FY19, a growth of 170% over
➢ IC means any company which is a financial
FY18.
institution carrying on as its principal
business the acquisition of securities.
▪ Eligible NBFCs offering foreign
exchange transactions to individual
accounts can obtain Authorised
Dealer (AD) Category-II licence.
▪ AD-Cat II licence holders will be
authorised by the RBI to deal in
foreign exchange for specified
purposes. These include upgraded
full-fledged money changers (FFMCs)

NBFCs are categorized :

(a) In terms of the type of liabilities into

Deposit and Non-Deposit accepting NBFCs,

(b) Non deposit taking NBFCs by their size

into systemically important and other non-
deposit holding companies (NBFC-NDSI and

3. Loan Company (LC)
➢ LC means any company which is a financial
institution carrying on as its principal
business the providing of finance whether
by making loans or advances or otherwise
for any activity other than its own but does
not include an Asset Finance Company.
4. Infrastructure Finance Company (IFC)
13. Electoral Bonds
Announced: Scheme Union Budget 2017
Aim: (1) Alternative to cash donations. So that
transparency in political funding can increase.
(2) Elimination of unaccounted and anonymous
donations to political parties.
(3) In a way fights black money.
Points to Remember:
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➢ IFC is a non-banking finance company a)
which deploys at least 75% of its total assets
in infrastructure loans, b) has a minimum
Net Owned Funds of ₹ 300 crore, c) has a
minimum credit rating of ‘A ‘or equivalent
d) and a CRAR of 15%.
5. Infrastructure Debt Fund
➢ IDF-NBFC is a company registered as NBFC
to facilitate the flow of long term debt into
infrastructure projects. IDF-NBFC raise
resources through issue of Rupee or Dollar
denominated bonds of minimum 5 year
maturity. Only Infrastructure Finance
Companies (IFC) can sponsor IDF-NBFCs.
6. Mortgage Guarantee Companies (MGC)
➢ MGC are financial institutions for which at
least 90% of the business turnover is
mortgage guarantee business or at least
90% of the gross income is from mortgage
guarantee business and net owned fund is ₹
100 crore.
7. Non-Operative Financial Holding Company
(NOFHC)
➢ NBFC - NOFHC is financial institution
through which promoter / promoter groups
will be permitted to set up a new bank. A
wholly-owned NOFHC will hold the bank as
well as all other financial services
companies regulated by RBI or other
financial sector regulators, to the extent
permissible under the applicable regulatory
prescriptions.
India is the 1st country in the world to have a
unique bond for electoral funding.
Electoral bonds are made available for 10 days
in January, April, July and October.
Any Indian citizen or a body incorporated in
India can buy these bonds.
Electoral bonds will be valid for only 15 days
and will not carry the name of the payee.

Bonds can be bought from SBI branches at
Mumbai, Chennai, Kolkata and New Delhi.
Electoral bonds can be bought for any amount in
multiples of Rs. 1000, Rs.10,000, Rs.1 Lakh,
Rs.10 lakh and Rs. 1 crore.
14. Electronic Fund Transfer at Point of Sale
Electronic Funds Transfer At Point Of Sale
(EFTPOS) is a payment system that allows faster
and safer digital fund transfers at payment
terminals using debit or credit cards.
EFTPOS was first introduced in the US in
1981 and rolled out in 1982, after that several
other countries followed the suit.
15. Priority Sector Lending
Priority sector was first properly defined in
1972 by Dr. K S Krishnaswamy committee.
Priority Sector Lending is an important role
given by the Reserve Bank of India (RBI) to the
banks for providing a specified portion of the
bank lending to few specific sectors.
As per the RBI circular of July 7, 2016, there are
8 broad categories of the PSL viz.
(1) Agriculture
(2) Micro, Small and Medium Enterprises
(3) Export Credit
(4) Education
(5) Housing
(6) Social Infrastructure
16. KYC
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Purchaser must pay from KYC - compliant bank
account.
Bonds can be donated to a registered political
party only.
Electronic Funds Transfer (EFT) - It is also
known as e-transfer and indicates the transfer of
money between accounts by consumer
electronic systems such as automated teller
machines (ATMs), and electronic payment of
bills.
Point of Sale (POS) - is the location where a sales
transaction occurs
(7) Renewable Energy
(8) weaker sections.
Private sector lending is essentially meant for an
all-round development of the economy and not
just focus on the financial sector.
Private sector lending is also linked to the
Double Financial Repression. In India, private
sector lending has been made a salient feature of
banking mainly due to the social and economic
objectives that underlie PSL. However, banks are
also required to keep certain amount to
maintain Statutory Liquidity Ratio (SLR) and
from the remaining disposable amount, 40 per
cent is dedicated for the priority sector. Thus,
large fraction of banks’ resources causes the so
called “Double Repression” on the banking
system. The economic survey has brought this
issue to the forefront and has recommended
thegovernment to restructureSLR and
PrioritySector Lending.

KYC or ‘Know Your Customer’ is nothing but the
process of banks asking for your identity proof.
This prevents fraud and misuse of banking
facility.It is similar to a security check.
The Reserve Bank of India (RBI) has made
linking of national biometric ID Aadhaar to
bank accounts mandatory as part of its
17. NPA and Recovery
What is an NPA?
Non-performing assets are bad loans. Once a
borrower fails in payment of interest or
instalment of the principal or both for 90
days at least, the loan is considered an NPA.
Rise in NPAs has taken a toll on stock prices of
most of these banks. So, RBI rules require that
banks should set aside certain amount of money
(provisioning) for the NPAs. NPAs are classified
as sub – standard, doubtful and loss-making
assets for provisioning requirements
NPA for a period less
Substandard asset than or equal to 12
months.
NPA for a period of
Doubtful asset more than 12
months.
NPA for a period of
Loss asset
more than 36 months
Classification of NPAs for Agriculture loans:
A loan will be treated as an NPA if instalment
of the principal or interest remains unpaid
beyond the due date for
(i) two crop seasons in case of short duration
crops (maturing within one year);
(ii) one crop season for long duration crops
(maturing after one year).
To recover the NPAs, many measures have been
taken, like: Provisioning, CAR norms,
Securitization law, Foreclosure, Norms, One-
time settlement, Interest Waiver, Write-offs,
Debt recovery tribunals, Asset reconstruction
companies
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updated 'Know Your Customer (KYC)'
guidelines. RBI has also imposed a penalty of
Rs 5 cr on south Indian bank for non-
compliance with its directions on Income
Recognition and Asset Classification (IRAC)
norms, Know Your Customer (KYC) norms
and treasury function.
With a view to bringing convergence of the
Priority Sector Lending guidelines for housing
loans with the Affordable Housing Scheme,
and to give a relaxation to low-cost housing
for the Economically Weaker Sections the
housing loan limits for eligibility under
priority sector lending will be revised to Rs
35 lakh in metropolitan centres from Rs 28
and to Rs 25 lakh from Rs 20 lakh earlier in
other centres, provided the dwelling cost
does not exist Rs 45 lakh.
SARFAESI ACT 2002
(1) The Securitisation and Reconstruction of
Financial Assets and Enforcement of Securities
Interest Act, 2002 (also known as the SARFAESI
Act) is an Indian law. It allows banks and other
financial institution to auction residential or
commercial properties to recover loans.
(2) It is used to expedite recovery of loans and
bring down the non – performing asset level of
the Indian banking and financial sector.
(3) It will thus become easier to recover bad
loans from wilful defaulters.
According to 'Financial Stability Report' released
RBI on 31 December 2018, banks Gross Non-
Performing Assets' (GNPAs) ratio have improved
to 10.8% in September 2018 from 11.5% in
March 2018.Also the Net Non-Performing
Assets (NNPAs) ratio witnessed a fall at 5.3% in
September 2018 as against 6.2% in March 2018.
Prompt Corrective Action (PCA)
(1) To ensure that banks don't go bust, RBI has
put in place some trigger points to assess,

monitor, control and take corrective actions on
banks which are weak and troubled. The process
or mechanism under which such actions are
taken is known as Prompt Corrective Action, or
PCA.
(2) Regulators use 4 different capital measures
i.e. a total risk and a Tier - 1 based capital ratio,
leverage and Equity to assets ratio.
Asset Reconstruction Company
(1) In order to recover the bad debts (sticky
loans), the Asset Reconstruction Company, who
have built – in professional expertise, handles
recovery as their core business.
(2) ARCs buy bad loans from banks and try to
restructure them and collect them. ARC is
formed under SARFAESI Act, 2002.
(3) Under this Bank / FIs have the power to sell
their bad loans. The loans which are of 1 lakh or
more fall in this category
Debt Recovery Tribunal
(1) The Government of India has constituted 38
Credit Recovery Tribunals (DRT) and
constituted the 5 Debt Restore Appeal Tribunal
(DRAT) across the country.
(2) The Debt Recovery Tribunal is located
throughout the country under ‘Recovery of
18. Financial Inclusion
Financial inclusion basically means making
credit, banking and financial services & products
accessible to:
(1) Weaker section and low-income group
(2) People residing in remote or rural areas and
villages.
Types of Financial Inclusion:
Financial inclusion aims to take care people who
fall in 2 types of groups:
1. Low Income section in Urban Areas
2. Low Income section in Rural Areas
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Debts due to Banks and Financial Institutions
(RDDBF) Act, 1993’.
(3) As per the act, the issue is to be settled in 6
months and in this case the success rate is
around 20 – 30%.
Strategic Debt Restructuring
(1) Strategic Debt Restructuring (SDR) Scheme
allows banks and non-banking lending
institutions to convert their loans into equity
stake.
(2) Under the SDR scheme, banks are exempted
from making an open offer while acquiring
majority stake in a stressed company.
Lok Adalats
(1) Lok Adalat ("Public Court" or "People's
Court") is one of the Alternative dispute
resolution mechanisms in India, it is a forum
where cases pending or at pre-litigation stage in
a court of law are settled.
(2) Created under Legal Services Authority Act
1987.
(3) According to RBI guidelines issued in 2001,
they cover NPA up to Rs. 20 lakhs, both suits
filed, and non-suit filed are covered.
Fig: Financial Inclusion Initiatives

LBS (Lead Banking Scheme)
Started: 1969 by RBI
Recommended by: Gadgil Study Group &
Nariman Committee.
Aim: Bridging the gap left by absence of
commercial banks in rural areas.
Implementation: A public or private bank was
allotted an area (district) in which that bank had
to play a lead role in providing financial services
to the people, making them aware about the
banks and various benefits of banks and
generating trust among people so they deposit
their money without any fear of loss or fraud.
No Frills Account
Started: 2005 by RBI
Recommendation by: Rangarajan Committee
Aim: Simplified KYC norms and either nil or very
low minimum balance to help low income
groups maintain bank accounts.
Implementation: However, all the existing ‘No-
frills’ accounts opened were converted into
BSBDA (Basic Savings Bank Deposit Accounts).
BSBDA Account
Started: 2012 by RBI
Aim: To extend benefits of no-frills account to
common man.
Implementation: Applicable to all scheduled
commercial banks in India including Foreign
Banks having branches in India.
Pradhan Mantri Jan Dhan Yojana
19. Banking Ombudsman Scheme
The Banking Ombudsman Scheme is an
expeditious and inexpensive forum for bank
customers for resolution of complaints relating
to certain services rendered by Banks. The
Banking Ombudsman Scheme is introduced
under Section 35 A of the Banking Regulation
Act, 1949 by RBI with effect from 1995.
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Prime Minister's People's' Wealth Scheme is a
government scheme that aims to expand and
make affordable access to financial services such
as bank accounts, remittances, credit, insurance
and pensions.
Business Correspondenceis exchange of
information in a written format for the process
of business activities that can take place
between organizations, within organizations or
between the customers and the organization.
Business Correspondence includes individuals,
NGOs,SHGs, NBFCs, Payment Banks and so on.
White Label ATMs
Automated Teller Machines (ATMs) setup,
owned and operated by non-bank entities are
called ‘White Label ATMs’ (WLAs).
Tata Communications Payment Solutions
(TCPS), started 1st white label ATM (WLA) at
Chandrapada, a tier-V town near Mumbai under
the brand name “Indicash” in 2013.
Government has allowed 100% FDI in White
Labelled ATM operations since 2015.
Self-Help Group
SHGs have their origin from the Gramin Bank of
Bangladesh which was founded in 1975 by the
economist Prof. Mohammad Yunus of Chittagong
University.
It is a village-based financial intermediary
committee comprising of 10–20 local women or
men.
Presently the Banking Ombudsman Scheme
2006 (as amended up to July 1, 2017) is in
operation.
Banking Ombudsman is a senior official
appointed by RBI. He handles and redresses
customer complaints against deficiency in
certain banking services.

20. Abbreviations
• AAY: Antyodaya Anna Yojana
• CAA&A: Controller of Aid Accounts & Audit
• BBB: Banks Board Bureau
• CFPI: Consumer Food Price Index
• CIRP:Corporate Insolvency Resolution
Process
• CLSS: Credit Linked Subsidy Scheme
• DARE: Department of Agricultural Research
& Education
• DDA: Doha Development Agenda
• DGCI&S: Directorate General of Commercial
Intelligence & Statistics
• DGFT: Directorate General of Foreign Trade
• DIPAM: Department of Investment & Public
Asset Management
• DIPP: Department of Industrial Policy &
Promotion
• DISCOMS: Distribution Companies
• EBRD: European Bank for Reconstruction &
Development
• EFTA: European Free Trade Association
• EIB: European Investment Bank
• e-NAM: Electronic National Agriculture
Market
• EPCG: Export Promotion on Capital Goods
• FSLRC: Financial Sector Legislative Reforms
Commission
• FSRASC: Financial Sector Regulatory
Appointment Search Committee
• GCC: Gulf Cooperation Council
• ICRA: Indian Credit Rating Agency.
• IBC: Insolvency & Bankruptcy Code
21. Capital Market
Capital market is a platform where investors
and buyers get into trade of financial
securities such as bonds, stocks, etc.
1. IPO - Stands for Initial Public Offering. It is a
term used when a private company or
corporation raises investment capital by
offering its stock to the public for the first time.
2. FPO - Stands for Follow on Public Offer. It is a
process by which an already listed company on
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• IFSC:Indian Financial System Code
• IMPS: Immediate Payment Service
• LFPR: Labour Force Participation Rate
• M0: Reserve Money
• M3: Broad money
• MDGs: Millennium Development Goals
• NAREDCO: National Real Estate
Development Council
• NCDs: Non-Convertible Debentures
• NCLT: National Company Law Tribunal
• NEFT: National Electronic Fund Transfer
• NICRA: National Innovations on Climate
Resilient Agriculture
• NPCI:National Payments Corporation of
India
• MAY: Pradhan Mantri Awas Yojana
• ‘PMFBY: Pradhan Mantri Fasal Bima Yojana
• PMKSY: Pradhan Mantri Krishi Sinchayee
Yojana
• POL: Petroleum Oil & Lubricants
• RMSA: Rashtriya Madhyamik Shiksha
Abhiyan
• RTGS: Real Time Gross Settlement
• SSA: Sarva Shiksha Abhiyaan
• SUUTI: Specified Undertaking for Unit Trust
of India
• SWIFT: Society for Worldwide Interbank
Financial Telecommunication.
• SWP: Systematic Withdrawal Plan
• UDAY: Ujwal Discom Assurance Yojana
• UDISE: Unified District Information System
for Education.
an exchange issues new shares to the investors
or the existing shareholders, usually the
promoters.
3. Right Issue - It is an invitation to existing
shareholders to purchase additional new shares
in the company.
4. ADR - Stands for American Depository
Receipt. It is a negotiable certificate issued by a
U.S. bank that represents a specified number of

shares (or one share) in a foreign stock traded
on a U.S. exchange.
5. GDR - Stands for Global Depository Receipt
(GDR). It is a bank certificate issued in more
than one country for shares in a foreign
company. The shares are held by a foreign
branch of an international bank.
6. IDR - International Depository Receipt is a
negotiable certificate that a bank issue. It is also
known as ADR in U.S.A. In Europe, IDRs are
known as Global Depository Receipts, and trade
on the London, Luxembourg and Frankfurt
exchanges.
7. NSDL - Stands for National Securities
Depository Ltd. It is India’s oldest and largest
depository and refers to the organization meant
for holding and safeguarding the securities that
are traded in the securities market.
8. CDSL - Central Depository Services Limited is
a depository service that works for the Bombay
Stock Exchange (BSE). CDSL is promoted by the
State Bank of India (SBI), Bank of India, Bank of
Baroda, HDFC Bank, Standard Chartered Bank,
Axis Bank and the Union Bank of India.
9. Debenture - It is a type of debt instrument
that is not secured by physical assets or
collateral. Corporations and governments
frequently issue this type of bond to secure
capital.These are usually documented in an
indenture.
10. BSE - The Bombay Stock Exchange was
established by Premchand Roychand in 1875. It
is Asia’s first stock exchange and claims to be
the world's fastest stock exchange, with a
median trade speed of 6 microseconds.
11. Sensex - It is the benchmark index of the
Bombay Stock Exchange (BSE) and is also
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known as S&P. It is composed of 30 of the
largest and most actively-traded stocks on the
BSE, providing an accurate gauge of India's
economy.
12. NSE - The National Stock Exchange of India
was established in 1992. It is India’s first
demutualized electronic exchange.
13. Nifty - Like Sensex, Nifty is a major stock
index introduced by the NSE in India. The term
was coined from two words ‘National’ and
‘FIFTY’.
14. OTCEI - The Over-The-Counter Exchange Of
India (OTCEI), founded in 1990 is an electronic
stock exchange that consists of small- and
medium-sized firms aiming to gain access to the
capital markets like electronic exchanges in the
U.S. such as the Nasdaq. The OTCEI is no longer
a functional exchange as the same has been
derecognised by SEBI vide its order dated 31
Mar 2015.
15. Commodity Market - It is a physical or
virtual marketplace for buying, selling and
trading raw or primary products. There are
about 50 major commodity markets worldwide
that facilitate investment trade in approximately
100 primary commodities.
16. MCX - The Multi Commodity Exchange of
India Ltd. was established in 2003 and is an
independent commodity exchange. It is India's
largest commodity derivatives exchange where
the clearance and settlements of the exchange
happen.
17. NCDEX - National Commodity & Derivatives
Exchange Limited is an online commodity
exchange based in India.
18. Derivatives - It is a contract between two or
more parties based upon the asset or assets. Its
price is determined by fluctuations in the
underlying asset.
Forward It is a private agreement between
Contract two parties giving the buyer an
obligation to purchase an asset
(and the seller an obligation to sell

an asset) at a set price at a future
point in time.
Future It is a contract for assets
Contract (especially commodities or
shares) bought at agreed prices
but delivered and paid for later.
Option It is a contract, or a provision of a
contract, that gives one party (the
option holder) the right, but not
the obligation to perform a
specified transaction with another
party (the option issuer or option
writer) according to specified
terms.
- Call Option: This option
provides the holder the right (but
not the obligation) to purchase an
underlying asset at a specified
price (the strike price), for a
certain period.
- Put Option: This option gives
the holder the right to sell an
underlying asset at a specified
price (the strike price).
SWAP It is a derivative contract where
two parties exchange financial
instruments.
22. Money Market
It is the trade in short-term loans between
banks and other financial institutions.
Usually, financial instruments with high
liquidity and short-term maturities are
traded.
Few instruments of Money Market are:
1. Call Money - Is the money loaned by a bank or
other institution which is repayable on demand
for 1 day. Call money does not have a fixed
schedule, nor does the lender need to provide
any notice of repayment.
Period - 1 day
2. Notice Money - The money that is lent for one
day in money market is known as call money
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17. Mutual Fund- It is an investment vehicle
made up of a pool of money collected from many
investors for investing in securities such as
stocks, bonds, money market instruments and
other assets. Mutual Funds are regulated in
India by SEBI.
The most popular types of mutual funds in India
are -
• Equity funds
• Debt funds
• Money market funds
• Index funds
Net asset value (NAV) represents a funds per
share market value. NAV is the sum of the
market value of all the shares held in the
portfolio divided by the total number of units
outstanding.
Close Ended Open Ended
Scheme Scheme
A scheme where It is available for
funds are raised subscription and
for a fixed period and repurchase on a
is wound up after a continuous basis and
certain period. do not have a fixed
maturity period.
and if it exceeds one day, it is known as notice
money. Period - 2-14 days
3. Term Money - While Call money and notice
money refers to short-term funds (less than 14
days). Period - 15 days - 1 year
4. Certificate of Deposits - It is equivalent to
promissory note and is negotiable. Certificate of
Deposits (CD) is issued in lieu of the funds
deposited at a bank for a specified time. It was
introduced in July 1989, to enable the
Banking system to mobilize bulk deposits from
the market.
Minimum amount: 1 lakh; Period: 7 days - 1 year

5. Commercial Papers - Commercial
Paper, introduced in 1990, is issued (sold) by
large corporations to obtain funds to meet
short-term debt obligations and is backed only
by an issuing bank or company promise to pay
the face amount on the maturity date specified
on the note.
Minimum amount: 5 lakhs or its multiples;
Period: 7 days - 1 year
6. Treasury Bills - These are short term
borrowing instruments of the Government
of India. Treasury Bills enable investors to park
their short term surplus funds while reducing
their market risk. They are auctioned by Reserve
23. Basel Norms
- The Basel accord are a set of agreements set
by Basel Committee on Banking Supervision
(BCBS) which provides recommendation on
banking regulation with respect to capital
risk, market risk and operational risk.
- The BCBS's secretariat is located at Bank of
International Settlements in Basel,
Switzerland.
- The purpose of this accord is to ensure that
financial institutions have enough capital to
meet obligations and absorb unexpected
stress.
Capital Adequacy Ratio:
Basel Norms I
It divides the asset account to risk in 5
categories:-
1. 0% Risk
2. 10% Risk
3. 20% Risk
4. 50% Risk
24. Maharatna, Navratna & Miniratna Category of PSEs
GA BOOSTER CAPSULE –2019
Bank of India at regular intervals and issued at a
discount to face value.
Minimum amount: Rs. 25000 or its multiples;
Period: 91 days, 182 days & 364 days.
7. Ways and Means of Advances - is a method
used by Reserve Bank of India (RBI) under its
credit policy by which it helps States banking
with it to tide over temporary mismatches in the
cash flow of their receipts and payments.
8. Cash Management Bills - are short term bills
issued by central government to meet its
immediate cash needs. The bills are issued by
the RBI on behalf of the government.
5. 100% Risk
Basel Norms II
The 3 main pillars of the Basel Norms II are:
- Minimum Capital requirement
- Supervisory Review
- Market discipline
India adopted Basel-II in 2009.
Basel Norms III
- RBI extended the timeline for fully
implementation of Basel-III capital regulation by
a year to March 31st, 2019.
- Indian government estimated the total Risk
Weighted Assets till 2019 will be 120 lakh crore
Rupees and where CAR is minimum 9%.
 GA BOOSTER CAPSULE –2019

1. Maharatna CPSEs Dredging Corporation Kamarajar Port

of India Limited Limited
Bharat Heavy Coal India Limited Garden Reach Goa Shipyard
Electricals Limited Shipbuilders & Limited
GAIL (India) Limited Indian Oil Engineers Limited
Corporation Limited Hindustan Copper HLL Lifecare
NTPC Limited Oil & Natural Gas Limited Limited
Corporation Limited Hindustan Newsprint Hindustan Paper
Steel Authority of Bharat Petroleum Limited Corporation Limited
India Limited Corporation Limited Housing & Urban India Tourism
Development Development
Corporation Limited Corporation Limited
2. Navratna CPSEs Indian Rare Earths Indian Railway
Limited Catering & Tourism
Bharat Electronics Container Corporation Limited
Limited Corporation of India Indian Renewable India Trade
Limited Energy Development Promotion
Engineers India Hindustan Agency Limited Organisation
Limited Aeronautics Limited IRCON International KIOCL Limited
Hindustan Petroleum Mahanagar Limited
Corporation Limited Telephone Nigam Mazagaon Dock Mahanadi Coalfields
Limited Limited Limited
National Aluminium National Buildings Manganese Ore (India) Mangalore Refinery
Company Limited Construction Limited & Petrochemical
Corporation Limited Limited
NMDC Limited Neyveli Lignite Mishra Dhatu Nigam MMTC Limited
Corporation Limited Limited
Oil India Limited Power Finance MSTC Limited National Fertilizers
Corporation Limited Limited
Power Grid Rashtriya Ispat National Seeds NHPC Limited
Corporation of India Nigam Limited Corporation Limited
Limited Northern Coalfields North Eastern
Rural Electrification Shipping Corporation Limited Electric Power
Corporation Limited of India Limited Corporation Limited
Numaligarh Refinery ONGC Videsh
Limited Limited
3. Miniratna Category - I CPSEs
Pawan Hans Projects &
Helicopters Limited Development India
Airports Authority of Antrix Corporation
Limited
India Limited
Railtel Corporation of Rail Vikas Nigam
Balmer Lawrie & Co. Bharat Coking Coal
India Limited Limited
Limited Limited
Rashtriya Chemicals & RITES Limited
Bharat Dynamics BEML Limited
Fertilizers Limited
Limited
SJVN Limited Security Printing
Bharat Sanchar Nigam Bridge & Roof
and Minting
Limited Company (India)
Corporation of India
Limited
Limited
Central Warehousing Central Coalfields
South Eastern State Trading
Corporation Limited
Coalfields Limited Corporation of India
Chennai Petroleum Cochin Shipyard
Limited
Corporation Limited Limited
 GA BOOSTER CAPSULE –2019

Telecommunications THDC India Limited Central Mine Central Railside

Consultants India Planning & Design Warehouse Company
Limited Institute Limited Limited
Western Coalfields WAPCOS Limited Engineering Projects FCI Aravali Gypsum
Limited (India) Limited & Minerals India
Ed.CIL (India) Limited HSCC (India) Limited
Limited Ferro Scrap Nigam HMT (International)
National Small Indian Railway Limited Limited
Industries Corporation Finance Corporation Indian Medicines & Artificial Limbs
Limited Limited Pharmaceuticals Manufacturing
Corporation Limited Corporation of India
4. Miniratna Category-II CPSEs Mineral Exploration National Film
Corporation Limited Development
Bharat Pumps & Broadcast Corporation Limited
Compressors Limited Engineering P E C Limited Rajasthan Electronics
Consultants (I) & Instruments
Limited Limited
M E C O N Limited

25. List of International Airports in India

Airports State/ Union Goa

City Whole
Name Territory International Goa
state
Airport
Veer Savarkar Andaman and
International Port Blair Nicobar Sardar
Airport Islands Vallabhbhai
Ahmed-
Patel Gujarat
abad
International
Visakhapat- Visakha- Andhra
Airport
nam Airport patnam Pradesh

Kempegowda
Lokpriya
International Bengaluru Karnataka
Gopinath
Airport
Bordoloi Guwahati Assam
International
Airport Mangalore
Manga-
International Karnataka
lore
Airport
Gaya Airport Gaya Bihar

Cochin
Indira Gandhi
International Kochi Kerala
International New Delhi Delhi
Airport
Airport
 GA BOOSTER CAPSULE –2019

Calicut Rajiv Gandhi

Hydera-
International Calicut Kerala International Telangana
bad
Airport Airport

Trivandrum Thiruvan- Tiruchirappalli

Tiruchira-
International anthap- Kerala International Tamil Nadu
palli
Airport uram Airport

Chhatrapati Chennai
Shivaji International Chennai Tamil Nadu
Mumbai Maharashtra
International Airport
Airport
Coimbatore
Dr. Babasaheb International Coimbator
Tamil Nadu
Ambedkar Airport/Civil e
Nagpur Maharashtra
International Aerodrome
Airport
Guru Ram Dass
Pune Interna- ji International Amritsar Punjab
Pune Maharashtra
tional Airport Airport

Tulihal Airport Imphal Manipur Chandigarh

Chandi-
International Punjab
garh
Airport
Biju Patnaik
Bhuban-
International Odisha
eswar
Airport Chaudhary
Charan Singh Lucknow Uttar Pradesh
Airport
Sri Guru Ram
Dass Jee
Amritsar Punjab
International Lal Bahadur
Varanasi Uttar Pradesh
Airport Shastri Airport

Jaipur Netaji Subhash

International Jaipur Rajasthan Chandra Bose
Kolkata West Bengal
Airport International
Airport

26. List of Revolutions in India

 GA BOOSTER CAPSULE –2019

Revolution Product Pink Revolution Onions, Prawn

Black Revolution Petroleum Product Red Revolution Meat, Tomato

Production

Blue Revolution Fish Production

Evergreen overall agriculture
Revolution production growth
Brown Revolution Leather, Cocoa

Round Revolution Potato Production

Golden Fibre Jute Production
Revolution
Silver Fibre Cotton Production
Revolution
Golden Revolution Overall Horticulture,
Honey, Fruit
Production Silver Revolution Egg Production

Green Revolution Agriculture White Revolution Dairy, Milk Production

Production
Yellow Revolution Oil Seed Production

Grey Revolution Fertilizers Round Revolution Potato

27. Indian & International Bank Taglines

Indian Banks and their Taglines IDFC First Mumbai Always You First
Bank
Banks HQ Tagline IndusInd Mumbai We Make you
Bank Feel Richer/We
State Bank Mumbai The Banker to Care; Dil Se
India Every Indian Kotak Mumbai Let's Make
Axis Bank Mumbai Badhti ka Naam Mahindra Money Simple
Zindagi Bank
Bank of India Mumbai Relationship Yes Bank Mumbai Experience Our
Beyond Banking Expertise
Central Bank Mumbai Central to You Bank of Pune Ek Parivar ek
of India Since 1911 Maharashtra Bank/One Family
Dena Bank Mumbai Trusted Family One Bank
Bank Allahabad Kolkata A Tradition of
HDFC Bank Mumbai We Understand Bank Trust
your World Bandhan Kolkata Aapka Bhala
IDBI Bank Mumbai Banking for all/ Bank Sabki Bhalai
Aao Sochein Bada United Bank Kolkata The Bank that
ICICI Bank Mumbai Hum hai na, of India Begins with “U”
Khayal Apka UCO Bank Kolkata Honors your
Trust
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Union Bank Mumbai Good People to

of India Bank with
Punjab New The Name You
National Delhi Can Bank Upon
bank
Punjab and New Where Service is
Sind Bank Delhi a Way of Life
Canara Bank Bengalur Together We Can
u
Vijaya Bank Bengalur A Friend You Can
u Bank Upon
Syndicate Manipal Faithful and
Bank Friendly
Corporation Mangalor Prosperity for all
Bank e
Karnataka Mangalor Your Family
Bank e Bank, Across
India
Indian Bank Chennai Your Own Bank
Indian Chennai Good People to
Overseas Grow With
Bank
Lakshmi Chennai The Changing
Vilas Bank Face of
Prosperity International Banks and their Taglines
South Indian Kerala Experience Next
Bank Generation Bank Tagline
Banking
Andhra Bank Hyder- Where India American Do More
abad Banks Express Bank
Bank of Vado- India’s BNP Paribas The Bank for a Changing
Baroda dara International World
Bank Barclays Bank Fluent in Finance
Citi Union Tamil Trust and Citi Bank Let’s Get it Done / The
bank Nadu Excellence since Citi Never Sleeps
1904 DBS Bank Living, Breathing Asia
Karur Vysya Tamil Smart Way to Deutsche Bank A Passion to Perform
Bank Nadu Bank HSBC Bank World’s Local Bank
Oriental Guru- Where Every JPMorgan Chase The Right Relationship is
Bank of gram, Individual is Bank Everything
Commerce Haryana Committed Royal Bank of Make It Happen
Federal bank Kochi Your Perfect Scotland
Banking Partner Scotia Bank You’re Richer Than You
Think
Standard Your Right Partner
Chartered Bank

28. Union Cabinet Ministers & their Constituency

 GA BOOSTER CAPSULE –2019

Department Ministers Ram Vilas

Paswan

Ministry of Personnel, Public Ministry of Railways Minister Piyush

Grievances and Pensions, of Coal Goyal
Ministry of Atomic Energy, Narendra
Ministry of Space All Important Modi Ministry of Women & Child Maneka
Policy Issues, All Other Development Sanjay
Portfolios not allocated to any Gandhi
Minister
Ministry of Steel Vishnu Deo
Ministry of Home Affairs Rajnath Sai
Singh
Ministry of Health & Family Jagat
Ministry of External Affairs Sushma Welfare Prakash
Swaraj Nadda

Ministry of Road Transport & Nitin Jairam Ministry of Heavy Industries Anant Geete
Highways, Ministry of Gadkari and Public Enterprises
Shipping, Ministry of Water
Resources, River Development Ministry of Food Processing Harsimrat
and Ganga Rejuvenation Industries Kaur Badal

Union Minister of Finance and Arun Jaitley Ministry of Rural Development, Narendra
Corporate Affairs Ministry of Panchayati Raj, - Singh
Ministry of Mines, Tomar
Ministry of Minority Affairs Mukhtar Ministry of Parliamentary
Abbas Affairs.
Naqvi
Ministry of Social Justice & Thawar
Minister of Commerce and Suresh Empowerment Chand
Industry Prabhu Gehlot
Ministry of Civil
Aviation(Additional charge) Ministry of Tribal Affairs Jual Oram

Ministry of Human Resource Prakash Ministry of Agriculture and Radha

Development Javadekar Farmers Welfare Mohan
Singh
Minister of Law and Justice Ravi
Minister of Electronics Shankar Minister of Textiles Smriti
and Information Technology Prasad Zubin Irani

Minister of Statistics and D.V. Ministry of Petroleum and Dharmen-

Programme Implementation. Sadananda Natural Gas, Minister of Skill dra
Ministry of Chemicals and Gowda Development and Entrepren- Pradhan
Fertilizers. eurship.

Minister of Drinking Water and Uma Bharti Ministry of Science and

Sanitation Technology, Harsh
Ministry of Earth Science, Vardhan
Ministry of Consumer Affairs & Ministry of Environment,
Food & Public Distribution Forest and Climate Change
 GA BOOSTER CAPSULE –2019

Ministry of Defence Nirmala

Sitharaman

29. Census 2011

The Indian Census 2011 was referred to as
the seventh census operation after Indian
Independence. The national census 2011 has
been run on all the 28 states of the country
and the seven Union Territories. The data of
Indian census 2011 covers all the major
aspects of society like population, sex ratio
and literacy percentage as well.
• Highest Urban population In India-
Maharashtra – 4,11,00,980
• Lowest urban Population in India -
Lakshadweep – 26,967
• Highest Rural Population in India - Uttar
Pradesh – 13,16,58,339
• Lowest Rural Population in India (state &
UT)- Lakshadweep – 33,683
• The next Census will be out by 2021.

Sex Ratio (Females per 1000 Males)- 943:

1000
Sex Ratio State

Sex Ratio (Females per Kerala (1084)

1000 Males)
Lowest sex ratio Haryana (879)
Highest sex ratio in UT Pondicherry
• First census was conducted in 1872. (1037)
• Census 2011 were released in New Delhi on Lowest sex ratio in UT Daman and Diu
31st March 2011 by Union Home Secretary (618)
GK Pillai and RGI C Chandramouli. Child (0-6 years) sex 914
• Census 2011 was the 15th census of India& ratio
7th census after Independence. Highest child (0-6) sex Mizoram (971)
• Total estimated cost of the Census was INR ratio in state
2200 crore (US$350 million). Lowest child (0-6) sex Haryana (830)
• Total Population estimated - 1,210,569,573 ratio in state
(1.21 Billion).
• India in 2nd rank in population with 17.64% Literacy Rate in India
decadal growth & China is 1st rank with
decadal growth 19% (over 1.35 billion). Males 82.14%
• Total male Population - [Males - 623.7 Females 65.46%
million (51.54%)]. Highest Literacy Kerala (94%)
• Total Females Population - 586.46 million Rate in State
(48.46%). Lowest Literacy Bihar (61.8%)
• Highest Populated State - Uttar Pradesh Rate in State
followed by Maharashtra and Bihar. Highest Literacy Lakshadweep (91%)
• Least Populated State - Sikkim Rate in UT
• Highest Populated Union territory - New Lowest Literacy Dadra and Nagar Haveli
Delhi Rate in UT (76.24%
• Least populated Union Territory -
Lakshadweep followed by Daman and Diu
 GA BOOSTER CAPSULE –2019

30. Rivers, Dams & States

State Name River Name Kerala Malampuzha Malampuzha

Dam River
Andhra Somasila Dam Pennar River Peechi Dam Manali River
Pradesh Srisailam Dam Krishna River Idukki Dam Periyar River
Gujarat Ukai Dam Tapti River Kundala Dam Kundala Lake
Dharoi Dam Sabarmati Parambikulam Parambikula
River Dam m River
Kadana dam Mahi River Walayar Dam Walayar
Dantiwada Dam Banas River River
Sardar Sarovar Narmada Mullaperiyar Periyar River
Dam (Narmada River Dam
Dam) Neyyar Dam Neyyar River
Himacha Bhakra Nangal Sutlej River Madhya Barna Dam Barna River
l Dam Pradesh Bargi Dam Narmada
Pradesh River
and Bansagar Dam Sone River
Punjab Gandhi Sagar Chambal
Border Dam River
Himacha Pandoh Dam Beas River Maharas Yeldari Dam Purna river
l Nathpa Jhakri Satluj River htra Ujani Dam Bhima River
Pradesh Dam Pawna Dam Maval River
Chamera Dam Ravi River Mulshi Dam Mula River
Jammu Baglihar Dam Chenab River Koyna Dam Koyna River
and Dumkhar Indus River Jayakwadi Dam Godavari
Kashmir Hydroelectric River
Dam Bhatsa Dam Bhatsa river
Uri Hydroelectric Jhelum River Wilson Dam Pravara River
Dam Tansa Dam Tansa river
Jharkha Maithon Dam Barakar River Panshet Dam Ambi River
nd Chandil Dam Swarnarekha Mula Dam Mula river
River Kolkewadi Dam Vashishti
Panchet Dam Damodar River
River Girna Dam Girana river
Karnata Tunga Bhadra Tungabhadra Vaitarna Dam Vaitarna river
ka Dam River Khadakwasla Mutha River
Linganamakki dam Sharavathi Dam
River Gangapur Dam Godavari
Kadra Dam Kalinadi river
River Telanga Radhanagari Bhogawati
Alamatti Dam Krishna River na Dam River
Supa Dam Kalinadi or Lower Manair Manair River
Kali river Dam
Krishna Raja Kaveri River Mid Manair Dam Manair River
Sagara Dam and SRSP
Harangi Dam Harangi River Flood Flow
Narayanpur Dam Krishna River Canal
Kodasalli Dam Kali River
 GA BOOSTER CAPSULE –2019

Upper Manair Manair River Tamil Vaigai Dam Vaigai River

Dam and Kudlair Nadu Perunchani Dam Paralayar
River River
Singur dam Manjira River Mettur Dam Kaveri River
Nizam Sagar Dam Manjira River Uttarakh Tehri Dam Bhagirathi
Odisha Indravati Dam Indravati and River
River Dhauli Ganga
Hirakud Dam Mahanadi Dam
River

31. List of Major Ports in India

Name of the Sea Coast State Cochin Western Kerala

Ports Coast
Haldia Eastern West Bengal
Kandla Western Gujarat Coast
Coast Paradip Eastern Odisha
Mumbai Western Maharashtra Coast
Coast Vishakhapatnam Eastern Andhra
Jawaharlal Nehru Western Maharashtra Coast Pradesh
Coast Chennai Eastern Tamil Nadu
Marmugoa Western Goa Coast
Coast Ennore Eastern Tamil Nadu
Mangalore Western Karnataka Coast
Coast Tuticorin Eastern Tamil Nadu
Coast

32. Major Atomic/Thermal/Hydro Power Plants

There are 3 major resources through which Atomic Power Station State
Power Station runs in India.
Narora Nuclear Power plant Uttar
1. Nuclear Power Plants Pradesh
2. Thermal Power Plants Rawatbhatta Nuclear Power Rajasthan
3. Hydropower Plants plant
Kakarpar Nuclear Power Gujarat
Nuclear Power Plant in India plant
Nuclear power stations are the fourth-largest Kaiga Nuclear Power plant Karnataka
source of electricity in India after Thermal, Kundankullam Nuclear Tamil Nadu
Hydroelectric and Renewable sources of Power plant
electricity. As of 2016, India has 21 nuclear Kalpakkam Nuclear Power Tamil Nadu
reactors in 7 Nuclear Power plants. Some plant
Nuclear Power plants are under construction Tarapur Nuclear Power plant Maharashtra
and some are planned projects which will be Rajasthan Atomic Power Rajasthan
implemented in future. Station

Thermal Power Plant in India

 GA BOOSTER CAPSULE –2019

Thermal power is the largest source of power 7th largest producer of hydroelectric power
in India. There are different types of Thermal in the world and ranks 3rd worldwide by its
power plants based on the fuel used to total number of dams.
generate the steam such as coal, gas, and
Diesel. About 65% of electricity consumed in
Hydropower City State
India are generated by thermal power plants.
Station
Thermal Power Station State
Koyna Hydro Koyna Maharashtr
Singrauli Thermal Power Madhya
Electric Power a
Plant Pradesh
plant
Ramagundam Thermal Andhra
Power Plant Pradesh Hirakund Mahanadi Odisha
Dadri Thermal Power plant Uttar Pradesh Hydro Electric
Talcher Thermal Power Odisha Power plant
plant
Korba Thermal Power plant Chhattisgarh Idukki Hydro Periyar Kerala
Vindhyachal Thermal Madhya Electric Power
Power plant Pradesh plant
Farakka Thermal Power West Bengal
plant Nagarjuna Krishna Andhra
Mudra Thermal Power Gujarat Hydro Electric Pradesh
plant Power plant
Sipat Thermal Power plant Chhattisgarh
Rihand Thermal Power Uttar Pradesh Tehri Hydro Bhagirathi Uttarakhan
plant Electric Power d
Jharsuguda Thermal Power Odisha plant
plant
Tiroda Thermal Power Maharashtra Bhakra Nangal Sutlej Himachal
plant Hydro Electric Pradesh
Anpara Thermal Power Uttar Pradesh Power plant
plant
Barauni Thermal Power Bihar Sardar Sarovar Narmada Gujarat
plant Hydro Electric
Power plant
Bellary Thermal Power Karnataka
plant
Nathpa Jhakri Sutlej Himachal
Durgapur Thermal Power West Bengal
Hydro Electric Pradesh
plant
Power plant
Sikka Thermal Power plant Gujarat
Satpura Thermal Power Madhya Srisailam Krishna Andhra
plant Pradesh Hydro Electric Pradesh
Wanakbori Thermal Power Gujarat Power plant
plant
Obra Thermal Power plant Uttar Pradesh Indirasagar Narmada Madhya
Udupi Thermal Power plant Karnataka Hydro Electric Pradesh
Simhadri Thermal Power Andhra Power plant
plant Pradesh
Sharavathi Sharavathi Karnataka
Hydropower Plant in India Hydro Electric
Hydropower is one of the oldest and widely Power plant
used renewable sources of energy. India is the
 GA BOOSTER CAPSULE –2019

Dehar Hydro Beas Himachal Subarnarekha Subarnarekh Jharkhand

Electric Power Pradesh Hydro Electric a
plant Power plant

Kalinadi Hydro Kalinadi Karnataka Shivanasamudr Kaveri Karnataka

Electric Power a Hydro
plant Electric Power
plant
Teesta Hydro Teesta Sikkim
Electric Power Loktak Hydro Leimtak Manipur
plant Electric Power
plant
Baira-Siul Baira Himachal
Hydro Electric Pradesh Rihand Hydro Rihand Madhya
Power plant Electric Power Pradesh,
plant Uttar
Salal Hydro Chenab Jammu and Pradesh
Electric Power Kashmir
plant Rangit Hydro Rangit Sikkim
Electric Power
Machkund Machkund Andhra plant
Hydro Electric Pradesh,
Power plant Orissa Bansagar Sone Madhya
Hydro Electric Pradesh
Balimela Hydro Sileru Odisha Power plant
Electric Power
plant Uri Hydro Jhelum Jammu and
Electric Power Kashmir
plant

33. List of Upcoming Sports Venues

Asian Games
Commonwealth Games
Asian Games 2018 is a Pan India Multi
Continental Event. This 18th Asian Games The Commonwealth Games are an international
washeld from 18th August – 2nd September 2018. multi-sport event involving athletes from the
The Game is also known as Jakarta Palembang Commonwealth of Nations. The event was first
2018. held in 1930 and has taken place every four
Sports Venue 2014- Incheon, South Korea years since then.
Sports Venue 2018- Jakarta, Palembang, Venue of CWG 2014 - Glasgow, Scotland
Indonesia Venue of CWG 2018 – Gold Coast, Australia
Sports Venue 2022- Hangzhou, China Venue of CWG 2022- Birmingham, England
Sports - 69 Gold – 15 Silver - 24 Bronze - 30 Shardul
Deepak Abhishek Vihan
Saurabh
Kumar, Verma,
Shooting – Chaudhar
Sanjeev Apurvi
9 y, Rahi Wrestling Bajrang
Rajput, Chandela, - Divya Kakran
Sarnobat –3 Punia,
Lakshay, Ravi Kumar
 GA BOOSTER CAPSULE –2019

Vinesh Mixed
Phogat 400m
Relay,
Sepaktakra Men’s Team Men's
- -
w-1 Regu 400m
Mixed Relay
Double
Ankita
Team - Fouaad
Raina, Prajnes
Tennis – 3 Rohan - Mirza,
h Equestrian
Bopanna - Men's -
Prabhakaran - 2
& Sharan Eventing
Divij Team
Santosh Saurav
Kumar, Surya Ghosal,
Bhanu Pratap, Joshana
Wushu -4 - - Narender Women's
Squash - 5 - Chinappa,
Grewal, Team
Dipika
Roshibina Pallikal, Men's
Devi Team
Kabaddi – Women's Men's Men's Team,
- Men's Team Bridge - 3 -
2 Team Pair Mixed Team
Dushyant, Me
Men's Badminton PV
n's - Saina Nehwal
Quadrupl -2 Sindhu
Rowing – 3 - Lightweight
e Sculls
Double Sculls Men's
Team
Team Archery – Team and
-
Muhamm 2 Women's
Tajinderp Team
ed Anas,
al Singh,
Dharun Men's Team,
Neeraj Table
Ayyasamy - - Mixed
Chopra, Tennis- 2
, Dutee Doubles
Manjit
Chand in Pincky Malaprabha
Singh, Kurash – 2 -
both Balhara Yallappa
Arpinder Seema Punia,
Athletics - 100m &
Singh, Chitra Harshita
19 200m, 49er FX
Jinson Unnikrishnan Tomar, 49er
Hima Das, Sailing - 3 - Women's
Jhonson, FX Men's
Sudha Team
Swapna Team
Singh,
Barman, Women's
Neena Hockey - 2 - Men's Team
Women's Team
Varakil,
400m
Jinson Boxing - 2 Amit Vikas Krishan
Relay.
Jhonson,

Olympics Games

Sports Gold – 3 Silver – Bronze – Shootin Manu Tushar

– 13 9 1 g–4 Bhaker(10 Mane (B
m Air oy’s
Pistol) 10m Air
Saurabh Rifle)
 GA BOOSTER CAPSULE –2019

Chaudhary Mehuli Hockey India’s

(10m Air Ghosh ( –2 Men
Pistol) Girl’s Team
10m Air
Rifle)

Judo – Tababi India’s

1 Devi (44
kg) Women

Team
Weightl Jeremy
ifting – Lalrinnung
1 a(Boy’s 62 Archer Akash
kg) y–1 Malik
(Boy’s
recurve)
Badmin Lakshay
ton – 1 a
Sen (Bo
Indian Premier League
ys’
singles) Season 1: Rajasthan Royals
Season 2: Deccan Chargers
Season 3: Chennai Super Kings
Season 4: Chennai Super Kings
Wrestli Simran( Season 5: Kolkata Knight Riders
ng – 1 Girls’ Season6: Mumbai Indians
10m Season7: Kolkata Knight Riders
43kg Season8: Mumbai Indians.
freestyle Season9: Sun risers Hyderabad
) Season10: Mumbai Indians
Season11: Chennai Super Kings

Pro Kabaddi League

Athletic Suraj Praveen Season 1: Jaipur Pink Panthers
s–2 Panwar Chitravel Season 2: U Mumba
(Boy’s (Boy’s Season 3: Patna Pirates
5000m Triple Season 4: Patna Pirates.
Walk) Jump) Season 5: Patna Pirates
Season 6: Bengaluru Bulls

Indian Super League(ISL)

Season1 (2014): ATLETICO KOLKATA.
Season 2 (2015): CHENNAIYIN.
Season 3 (2016): ATLETICO KOLKATA.
Season 4 (2017): CHENNAIYIN.
KERALA BLASTERS have been the Runners –Up
twice for the ISL games.
34. List of New Appointments
 GA BOOSTER CAPSULE –2019

Person Post PV Bharathi MD-CEO of Corporation

Bank
MD Karnam MD & CEO of Indian
Sekar Overseas Bank

Raninder Singh Vice-Presidents of the

International Shooting
Vijay Chandok MD And CEO Of ICICI Sports Federation (ISSF)
Securities.

A.S. Rajeev MD & CEO of Bank of

Vipin Anand Managing Director of LIC Maharashtra
Ajay Narayan Jha Finance Secretary of GoI

Jon Ridgeon CEO of International

Association of Athletics
David Malpass President of the World Federations (IAAF)
Bank. Bhupesh Baghel CM of Chattisgarh

Ashok Gehlot CM of Rajasthan

Kaushik Shaparia CEO For Deutsche Bank Kamal Nath CM of Madhya Pradesh
(India)
Zoramthanga CM of Mizoram

Hemant Non-Executive
Bhargava Chairman of IDBI bank
Ramphal Pawar Director of National Crime
Records Bureau (NCRB)
Brijendra Pal President of Film and
Hasmukh Adhia Non-executive Chairman of Singh Television Institute of India
BOB (FTII) Society
Rajiv Mehrishi Vice-Chair of the United
Nation's Panel of Auditors
Shaktikanta Das RBI Governor
P V Bharathi CEO Of Corporation Bank.
Arundhati Chairman of SWIFT
Bhattacharya (Society for Worldwide
Interbank Financial
Telecommunication)
Ashu Khullar CEO of CITI Bank India.
Krishnamurthy Chief Economic Advisor
Subramanian (CEA)
Madhavi Divan Additional Solicitor General
(ASG)
Rakesh Makhija Non-Executive Uday Shankar Vice-President of FICCI
Chairman of Axis Bank
Srinivas Kandula Chairman of Capgemini

Pranab Kumar Chairman of CBIC

V Vaidyanathan MD and CEO of IDFC First Das
Bank Nilanjan Roy CFO of Infosys

Rajeev Mehta President of the South Asian

Fencing Federation (SAFF)
Ravneet Gill MD & CEO of YES Bank Sangeeta Verma Member of Competition
Commission of India (CCI)
Non-Executive Part-Time
Brahm Dutt Ambika Prasad CMD of South Eastern
Chairman. Panda Coalfields Limited (SECL).
 GA BOOSTER CAPSULE –2019

Pranav R Mehta President of Global Solar TCA Anant & Member of UPSC
Council (GSC) Rajiv Nayan
Gita Gopinath Chief Economist at IMF Choubey
Manu Sawhney CEO of ICC
Kumar Rajesh Director General of the
Chandra Sashastra Seema Bal V Vaidyanathan MD and CEO of IDFC First
(SSB). Bank
Vinod Kumar Chairman of Railway Board Juan Guaido President of Venezuela
Yadav
B Radhakrishnan CJ of Telangana HC Rishi Kumar CBI Director

Sudhir Bhargava Chief Information Parthasarathi MD of Lakshmi Vilas Bank

Commissioner in the CIC. Mukherjee
Jaideep Govind Secretary General of NHRC Ravneet Gill CEO of Yes bank

35. National Parks & Wildlife Sanctuaries

State National Wildlife Orang

Park Sanctuary National Park
Bihar Valmiki Gautam
Andaman & Campbell Barren National Park Buddha
Nicobar National Park Island Wildlife
Wildlife Sanctuary
Sanctuary
Rajgir
Sir Hugh Wildlife
Rose Island Sanctuary
Wildlife Chhattis- Indravati Bhairam-
Sanctuary garh National Park garh Wildlife
Andhra Sri Venkates- Krishna Sanctuary
Pradesh wara National Wildlife Guru Ghasidas
Park Sanctuary National Park
Goa Bhagwan Bondla
Papikonda Kolleru Lake Mahavir Wildlife
National Park National Park Sanctuary
Arunachal Namdapha Dibang
Pradesh National Park Wildlife Salim Ali
Sanctuary Bird
Mouling Sanctuary
National Park Talley Valley Gujarat Gir forest Indian Wild
Wildlife national park Ass
Sanctuary Sanctuary
Assam Dibru Sonai Rupai Blackbuck
Saikhowa Wildlife National Park Kutch Desert
National Park Sanctuary Wildlife
Marine Sanctuary
Kaziranga Pabha National park
National Park Wildlife Jammu & Dachigam Karakoram
Sanctuary Kashmir National Park Wildlife
Manas Dipor Bil Sanctuary
National Park Wildlife Hemis
Sanctuary National Park
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Hirpora
Wildlife Pench Koyna
Sanctuary National Park Wildlife
Sanctuary
Manipur Keibul Lamjao -
Jharkhand Betla National Palamau National Park
Park Wildlife
Sanctuary Balphakram
National Park
Dalma Meghalaya Nokrek -
Wildlife National Park
Sanctuary Mizoram Phawngpui Dampa Tiger
Karnataka Anshi National Ghatapra- Blue Mountain Reserve
Park bha Wildlife National Park
Sanctuary Nagaland Intanki -
Bandipur National Park
National Park Bhimgad Odisha Bhitarkanika Chilika Bird
Wildlife National Park Sanctuary
Bannerghatta Sanctuary
National Park Simlipal
Sharavathi National Park
Valley Punjab - Abohar
Wildlife Wildlife
Sanctuary Sanctuary
Kerala Periyar Parambi-
National Park kulam Harike Lake
Wildlife Wildlife
Anamudi Sanctuary Sanctuary
National Park Rajasthan Desert Mount Abu
Malabar National Park Wildlife
Wildlife Sanctuary
Sanctuary Keoladeo
Madhya Van Vihar Bori Wildlife National Park Sariska
Pradesh National Park Sanctuary Tiger
Rantham-bore Reserve
Kanha Kisli Ken Gharial National Park
National Park Sanctuary
Darrah
Gandhi National Park
Fossil Sagar Sikkim Kanchend- Kyongnosla
National Park Sanctuary zonga Alpine
National Park Wildlife
Bandhavgarh Sanctuary
National Park Tamil Nadu Gulf of Point
Maharashtra Chandoli Great Indian Mannar Calimere
National Park Bustard National Park Wildlife
Wildlife Sanctuary
Sanjay Gandhi Sanctuary Palani Hills
National Park National Park
Phansad
Tadoba Wildlife Mudumalai
National Park Sanctuary National Park
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Telangana Mahavir Eturnag- Rajaji National

Harina aram Park
Vanasthali Wildlife
National Park Sanctuary Nanda Devi
National Park
Pranahita
Wildlife Jim Corbett
Sanctuary National Park
Tripura Bison National - Uttar Dudhwa Kaimur
Park Pradesh National Park Sanctuary

Clouded Okhla Bird

Leopard Sanctuary
National Park West Bengal Neora Buxa Tiger
Uttarakhand Valley of - National Park Reserve
Flowers
National Park Murti
Wildlife
Sanctuary

36. Important Days

SEPTEMBER OCTOBER
Date Day Theme Date Day Theme
Celebrating
International
National Older Human
1st 1st October Day for the
Nutrition - Rights
September Elderly
Week champions
5th Teachers’ Gandhi
-
September Day Jayanthi/
2ndOctobe
Literacy and International -
8th International r
skills Day of Non-
September Literacy Day
development. Violence
Keep Cool and The right to
16th World Ozone Carry on: education
World
September Day Montreal 5th means the
Teachers'
Protocol October right to a
Day
Science and qualified
21st Alzheimer’s technology for teacher
September Day a sustainable 9th World Post
-
future October Office Day
Tourism and Young people
27th World the Digital World
10th and mental
September Tourism Day Transformatio Mental
October health in a
n Health Day
changing world
29th World Heart
-
September Day
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International With Her: A World

11th 24th Development Eliminate
Day of the Skilled Girl
October October Information Hepatitis
Girl Child Force
Day/UN Day
It's in your
12th World
hands, take NOVEMBER
October Arthritis Day
action
International Date Day Theme
13th Day for 5th World
- -
October Disaster November Tsunami Day
Reduction World
Sustainable 10th Science Day Science, a
infrastructure, November for Peace and Human Right
services and Development
social Children’s
14th The Family and
International protection for Day/Diabete
15th November Diabetes
Day of Rural gender s Day
October International
Women equality and 16th
the Day for
November
empowerment Tolerance
of rural women When nature
19th World Toilet
and girls calls, we need a
November Day
16th World Food Our Actions toilet
October Day Are Our Future 26th Constitution
November day

37. Joint Military Exercises

Name of Countries Place SHINYUU India and Agra, India

Exercise Maitri-18 Japan
Konkan- Indian Navy Goa, India
Cobra Gold United Thailand 2018 and the
Military States, Royal Navy
Exercise Thailand, of United
Singapore, Kingdom
South Coordinated India and Chittagong,
Korea, Patrol Bangladesh Bangladesh
Indonesia, (CORPAT)
Japan and Malabar India, US Guam, Western
Malaysia and Japan Pacific Pacific
AMAN-19 45 nations Pakistan Ocean.
Aviaindra India and Jodhpur, India Harimau India and Hulu Langat
2018 Russia Shakti Malaysia forest, Malaysia
SHINYUU Varuna India and Phase- I:
Maitri-18 France Mormugao Port
IMBEX India and Haryana, India Trust
2018-19 Myanmar (MPT),Vasco da
INDRA Indo-Russia Visakhapatnam Gama, Goa
NAVY 2018 Armed coast, Andhra Phase –II:
Forces Pradesh Chennai coast
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Phase-III: La PRABAL India And Himachal

Reunion Island DOSTYK Kazakhstan Pradesh, India
Surya Kiran India and Pithoragarh, Army
XIII Nepal India MITRA India - Sri Pune, India
Lamitye VIII India and Mahe, SHAKTI Lanka Army
Seychelles Seychelles YUDH United Washington, US
Shakti IV India and Mailly – le – ABHYAS States And
France Camp. France Indian
Vajra Kayaa India and Joint Base Army
US Lewis- Maitree Indian Himanchal
McChord, Army and Pradesh, India
United States Royal
Vinbax 1 India and Jabalpur in Thailand
Vietnam Madhya Army
Pradesh Thar Shakti X Corps Rajasthan,
Hamesha Southern Rajasthan India
Vijayee Command NOMADIC India- Mizoram, India
Ekuverin India and Belgaum, India ELEPHANT Mongolian
VIII Maldives Military
Ajeya India and Mahajan Firing Exercise
Warrior UK Range, India Bold India and Madhya
Danx 50 Andaman & Kurukshetra Singapore Pradesh, India
Parachute Nicobar AL-NAGAH- Oman And Himachal
Brigade Islands, India II Indian Pradesh, India
Sampriti VII India and Shillong, India Army
Bangladesh Khanjar IV India and Kok Jhangak,
Kyrgyzstan Kyrgyzstan

38. Reports & Indices

Report/ Publis- HQ Rank Global Gender World Switzer 108

Index hed by Gap Index economi land
c forum

Ease of Doing World Washin 77 Gender Parity UNESCO Paris, 108

Business Bank gton DC Index France
Report
World United 133
International US US 44 Happiness nations
Intellectual chamber Report sustaina
Property Index of ble
Commer develop
ce ment
Global solution
innovati network
on
Policy
Centre
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World Internat Geneva, 1 World Press Reporte France 138

Migration ional Switzer Freedom Index rs
Report Migratio land without
n Border
Organis
ation Foreign Direct AT 11
Investment Co Kearney
Global World 58 nfidence Index
Competitivene Economi 2018
ss Index c Forum
World Internat Lausan 45
Environmental World Switzer 177 Competitivene ional ne,
Performance Economi land ss Ranking Institute Switzer
Index c Forum 2018 for land
Manage
Global Hunger Internat Washin 103(2 ment
Index ional gton 017) Develop
Food ment
Policy
Researc Global Peace Institute 136
h Index 2018 for
Economi
Inclusive Econo- - 47 cs &
Internet Index mist Peace
Intellig-
ence Energy World Cologn 78
Unit Transition Economi y,
Index c Forum Switzer
land

39. Classical Folk Dances

Classical Dance
Sattriya Assam

Dance State Mohiniyattam Kerala

Folk Dance
Bharatanatyam Tamil Nadu

Manipuri Manipur Dance State

Odissi Odisha
Rasleela Uttar Pradesh
Kuchipudi Andhra Pradesh
Bihu Assam
Kathakali Kerala
Fugdi Goa
Kathak Uttar Pradesh
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Garba, Dandiya Raas Gujarat Ghumura Odisha

Raut Nacha Chhattisgarh Lavni Maharashtra

Maach Madhya Pradesh Ghoomar, Kalbelia Rajasthan

Thang Ta Manipur Puli Kali Kerala

Dumhal, Rauf Jammu and kashmir Chhau West Bengal

Nati Himachal pradesh

Giddha, Bhangra Punjab

40. Stock Exchanges Around the World

Stock Exchange Country Hong Kong Stock Exchange Hong Kong

Located
NASDAQ USA
Bombay Stock Exchange India
Tokyo Stock Exchange Japan
National Stock Exchange of India
London Stock Exchange UK
India

Euronext European
Union Bombay Stock Exchange has become the
India’s first exchange to be designated as a
B3 Brazil
Designated Offshore Security Market by US
Shanghai Stock Exchange China security and exchange Commission.

41. Nick Names of Cities

Nicknames Cities Blue City Jodhpur

Orange city Nagpur
City of Pearls Hyderabad Cotton City Akola
Silicon Valley of India Bengaluru Land of Litchi Muzaffarpur
Venice of East Alappuzha Queen of Arabian Sea Kochi
Mini Bombay Indore City of Black Diamonds Dhanbad
Manchester of East Kanpur Sandalwood City Mysore
Athens of East Madurai

42. International Organisations & Headquarters

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International Headed by HQs UN General Miroslav Lajcak, New York,

Organization Assembly President U.S
Asian Takehiko Nakao, Mandaluy
United Nations Antonio Guterres, New York, Development President ong,
Organisation Sec-General U.S Bank Philippine
International Christine Washingt s
Monetary Lagarde, MD on D. C, World Health Tedros Adhanom Geneva,
Fund Columbia Organistaion Ghebreyesus, Switzerla
World Bank Jim Yong Kim, Washingt Director-General nd
President on D. C, International Thomas Bach, Lausanne,
Columbia Olympic President Switzerla
World Trade Roberto Azevedo, Geneva, Committee nd
Organisation Director-General Switzerla International Yukiya Amano, Vienna,
nd Atomic Energy Director-General Austria
UNESCO Audrey Azoulay, Paris, Agency
Director-General France North Atlantic Jens Stoltenberg, Brussels,
New K. V. Kamath, Shanghai, Treaty Sec-General Belgium
Development President China Organization,
Bank, BRICS NATO
Asian Jin Liqun, Beijing, ASEAN Lim Jock Hoi, Sec- Jakarta,
Infrastructure President China General Indonesia
Investment SAARC Amjad Hussain B Kathmand
Bank Sial, Sec-General u
International Abdulqawi Peace
Court of Ahmed Yusuf, Palace,Net
Justice President herlands

43. Famous Temples

Temple Year Place Built By centu II

ry
Virupaksh 7th Hampi, Queen Brihadesh 11th Thanjavur, Raja Raja
a Centu Karnataka Lokhama- wara centu Tamilnand Chola
Temple ry hadevi Temple ry u I
Meenakshi 1623 Madurai Vishwana Airavates 12th Darasura Rajaraja
Temple - Tamil ntha wara centu m Chola
1655 Nadu Nayakar Temple ry II
CE Venkatesw 300 Tirumala, King
Ramanath 7th– Rameshwa Pandya & ara AD Andhra Thondaim
a 8th ram Jaffna Temple Pradesh an
swamy centu Island, Kings Kashi 1780 Varanasi, Ahilya Bai
Temple ry Tamil Vishwanat Uttar
Nadu h Pradesh
Suchindra 17th Kanyakum Nambudir Lord 1611 Puri, Indrady-
m centu ari, i Jagannath Odisha umna
Temple ry Tamil Brahmins Temple
Nadu Vaishno – Jammu –
Vitthala 15th Hampi, King Devi
Temple Karnataka Devaraya Temple
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Somnath – Gujarat Moon The 1577 Amritsar, Guru

God Golden Punjab Ram Das
Shirdi Sai 1922 Shirdi, – Temple
Baba Maharasht Mahabodh 3rd Bihar Ashoka
Temple ra i centu
Badrinath 9th Uttarakha Adi Temple ry
centu nd Shankara B.C
ry Kamakhya 8th- Nilachal –
C.E Temple 17th Hill,
Kedarnath 8th Garhwal Pandavas centu Guwahati
centu area ry
ry Uttarakha Amarnath – Jammu Natural
nd Cave and formation
Konark 13th Odisha Narasimh Temple Kashmir
Sun centu a Yamunotri 19th Uttarkashi Maharani
Temple ry deva Temple centu , Gularia
Sanchi 3rd Raisen, Asoka ry Uttarakha
Stupa centu Madhya nd
ry Pradesh Gangotri 18th Uttarkashi Amar
BC Temple centu , Singh
Siddhivina 18th Prabha – ry Uttarakha Thapa
yak centu Devi, nd
Temple ry Mumbai

44. Stadiums in India

Name City/Location Guru Nanak Stadium Ludhiana

JSCA International Cricket Ranchi
Baichung Stadium Namchi Stadium
Bakshi Stadium Srinagar Kanchenjunga Stadium Siliguri
Barabati Cuttack Lal Bahadur Shastri Hyderabad
Barkatullah Khan Jodhpur M. Chinnaswamy Bangaluru
Barkatullah University Bhopal Ma Chidambaram Chennai
Stadium New Bangalore Football Bangalore
Biju Patnaik Hockey Rourkela Stadium
Stadium Punjab Cricket Association Mohali
Birsa Munda Athletics Ranchi IS Bindra Stadium
Brabourne Mumbai Salt Lake Stadium Kolkata
Buddh International Circuit Greater Noida Sardar Vallabhbhai Patel Ahmedabad
Cooperage Football Stadium Mumbai Stadium
Dhyan Chand National Delhi Sawai Mansingh Jaipur
Dy Patil Navi Mumbai Sector 42 Stadium Chandigarh
Eden Gardens Kolkata Sher-i-Kashmir Stadium Srinagar
East Coast Railway Stadium Bhubaneswar Vidarbha Cricket Nagpur
Feroz Shah Kotla Delhi Association Stadium
Green Park Stadium Kanpur Wankhede Mumbai
Guru Gobind Singh Stadium Nanded

45. Boundary Lines

 GA BOOSTER CAPSULE –2019

• Radcliffe Line - This is the boundary line
between India and Pakistan. It was
drawn by Sir Cyril Radcliffe on 17th
August 1947 because of the separation
between the two countries.
• 8th Parallel - It is the boundary between
North and South Korea.
• 49th Parallel - This represents the
boundary between Canada and USA.

• Durand Line - This demarcates the • Mannerheim Line - This line demarcates
boundary of Pakistan and Afghanistan. Russia and Finland.

• Hindenburg Line - This is the boundary • Mason-Dixon Line - It is a line of

dividing Poland and Germany.
• McMahon Line - It is the boundary line
between India and China and it was
drawn by Sir Henry McMahon.
demarcation between four states in the
United State.
• Siegfried Line - It is the boundary
between Germany and France.

• Marginal Line - This line was drawn up • 24th Parallel - Pakistan feels that this
by General Mannerheim between should be the actual line between India
Russia-Finland border. It is a 320-km and Pakistan. However, India does not
line of fortification. approve of this.

• Maginot Boundary Line - This boundary • 17th Parallel - It defined the boundaries
line demarcates France and Germany between North and South Vietnam
before they unit
• Oder-Neisse Line - This line was drawn
between Poland and Germany after the
Second World War

46. Books & Authors

Authors Books Dr Rajesh Bhat Radio Kashmir

– In Times of
Mool Chand Sharma Law, Justice & Peace & War
Judicial Power Krishna Trilok 'Notes of a
Malala Yousafzai We are Dream: The
Displaced Authorized
Brigadier (Retd) Prince, Patron, Biography of
Sukhjit Singh and and Patriarch - AR Rahman',
Cynthia Meera Maharaja Karunya Keshav and 'The Fire
Frederick. Jagatjit Singh Sidhanta Pathak Burns Blue: A
of Kapurthala History of
Arvind Subramanian Of Counsel: Women's
The Challenges Cricket in
of the Modi- India'
Jaitley Stephen Hawking "Brief Answers
Economy to the Big
Vice Admiral Anup Blue Waters Questions"
Singh Ahoy! Vijayan Bala Indian Sports:
Conversations
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and Indira Gandhi - A life

Reflections In Nature Jairam Ramesh
Rima Hooja "Maharana Beren and Luthein J.R.R Tolkein
Pratap: The "Yug Purus, Bharat Ramesh
Invincible Ratna, Atal Ji" Pokhriyal
Warrior" One Life is not enough Natwar Singh
Paramveer Parwane Prabhakiran Transcendence: My APJ Abdul
Jain Spiritual Experiences Kalam & Arun
Across the bench - with Pramukh Swamij Tiwari
Insight into Indian Red Tape to Red
Military Judicial Carpet…and then
System Gyan Bhushan some Gina Rinehart
Imperfect Sanjay Beyond Doubt: A
Manjrekar Dossier on Gandhi's Teesta
Bollywood: "The Assassination Setalvad
Films", "The Songs", Amitabh Sleeping on Jupiter Anuradha Roy
"The Stars" Bacchhan Flood Of Fire Amitav Ghosh
The Diary of a How to be Both Ali Smith
Domestic Diva Shilpa Shetty Sourav Ganguly:
I Do What I Do Raghuram Cricket, Captaincy and Saptarshi
Rajan Controversy Sarkar
Immortal India Amish Tripathi The Red Sari Javier Moro
How India Sees the Farishta Kapil Isapuri
World Shyam Saran Modi - Incredible
The Shershah of emergence of a star Tarun Vijay
Kargil Deepak Surana Radio Kashmir – In Dr Rajesh Bhat
Kadwe Vachan Tarun Sagar Times of Peace & War
Maharaj 'Notes of a Dream: Krishna Trilok
I am HIV Positive. So The Authorized
What? Jayanta Lalita Biography of AR
Cyptocurrency for Amit Rahman',
Beginners Bharadwaj 'The Fire Burns Blue: Karunya
Making of a Legend Bindeshwr A History of Women's Keshav and
Pathak Cricket in India' Sidhanta
Unstoppable: My Life Maria Pathak
So Far Sharapova "Brief Answers to the Stephen
Dalhousie Through Big Questions" Hawking
my Eyes Kiran Chadha Indian Sports: Vijayan Bala
Playing With Fire Katie Price Conversations and
The Ministry Of Reflections
Utmost Happiness Arundhati Roy "Maharana Pratap: Rima Hooja
Crisis Within Ganesh Devy The Invincible
Warrior"

47. Nobel Prize Winners 2018

Field Winners Description Medicine James P. For the

or Allison discovery of
Physiology & cancer therapy
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Tasuku Honjo by inhibition of Gregory P. peptides and

negative Winter antibodies
immune Peace Denis For their efforts
regulation Mukwege to end the use
Physics Arthur For the optical & of sexual
Ashkin tweezers and Nadia Murad violence as a
their weapon of war
application to and armed
biological conflict
systems Economic Paul M. For integrating
Gerard For their Sciences Romer technological
Mourou method of innovations
& generating into the long-
Donna high-intensity, run
Strickland ultra-short macroeconomic
optical pulses analysis
Chemistry Frances For the William D. For integrating
H. Arnold directed Nordhaus climate change
evolution of into the long-
enzymes run
George P. For the phage macroeconomic
Smith display of analysis
&

48. UNESCO World Heritage Site

Name of sites Year Location Kaziranga 1985 Assam

National Park
Ajanta Caves 1983 Maharashtra

Keoladeo 1985 Rajasthan

Ellora Caves 1983 Maharashtra National Park

Agra Fort 1983 Uttar Pradesh Manas 1985 Assam

Wildlife Sanctuary

Taj Mahal 1983 Uttar Pradesh

Churches and 1986 Goa
Convents of Goa
Sun Temple 1984 Orissa

Monuments 1986 Madhya

Mahabalipuram 1984 Tamil Nadu of Khajuraho Pradesh
Monuments
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Monuments 1986 Karnataka Bhimbetka 2003 Madhya

of Hampi Rock Shelters Pradesh

Fatehpur Sikri 1986 Uttar Pradesh Chhatrapati 2004 Maharashtra

Shivaji Terminus

Elephanta Caves 1987 Maharashtra

Champaner- 2004 Gujarat
Pavagadh
Great Living 1987 Tamil Nadu Archaeological Park
Chola Temples

Pattadakal 1987 Karnataka Red Fort 2007 Delhi

Monuments
Jantar Mantar 2010 Rajasthan
Sundarbans 1987 West Bengal
National Park

Nanda Devi & 1988 Uttarakhand Western Ghats 2012 Karnataka,

Valley of Flowers Kerala,
National Park Tamil Nadu,
Maharashtra

Monuments of 1989 Sanchi,

Buddha Madhya Hill Forts 2013 Rajasthan
Pradesh

Rani Ki Vav 2014 Gujarat

Humayun’s Tomb 1993 Delhi (The Queen’s
Stepwell)

Qutub Minar 1993 Delhi

Great Himalayan 2014 Himachal
National Park Pradesh
Mountain Railways 1999 Darjeeling
of Darjeeling, Kalka (West
Shimla & Nilgiri Bengal), Nalanda 2016 Bihar
Kalka Shimla
(Himachal
Pradesh), Khangchendzonga 2016 Sikkim
Nilgiri (Tamil National Park
Nadu)

Architectural Work 2016 Chandigarh

Mahabodhi Temple 2002 Bihar of Le Corbusier
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Historic City 2017 Ahmedabad Victorian Gothic and 2018 Mumbai

Art Deco Ensembles