Copy of 2. FAQ DOUBTS Week01 Feb18toFeb22 6PM PCB3

Educational Queries in Mrunal’s Economy Course at Unacademy Plus (Batch PCB#2) Discount Code: ‘Mrunal.
org”
Doubts abt Win20 And Win21

Type of Not joined Attended Mrunal’s Full Attended Mrunal’s Full Attended Mrunal’s Full Attending Mrunal’s ongoing
Student Unacademy Course that ended in May- Course that ended in Course that ended in Full length paid Course from
2020 OR BEFORE Sept-2020 Jan-2021 Feb-2021
Discount Code “Mrunal.org”
Shd see ✅ Yes ✅ Yes ✋ No need ✋ No need ✋ No need
Win20CSP?
Shd see ✅ Yes ✅ Yes ✅ ✅ ✋ No need
Win21CSP?
Above win20 and win21 series links you can find at mrunal.org/download
Instructions
1. Yes Mitron, Here are my replies to the educational queries received last week through google form.
2. You can search the question term in the attached pdf file, and know my reply to your question.
3. Some of the frequently asked questions (FAQ) are also added at the bottom part of this PDF. In FoxitPDF reader software, click on the bookmark
button on right hand column, to open the nagivation menu
4. For technical queries (regarding downloading PDF, live-chatbox, college wifi access, video / audio issues etc.) plz contact the technical team by
emailing to help@unacademy.com
5. My replies are dictated using Google docs voice typing, So forgive any grammar, spelling, and phrase mistakes in advance. E.g. it sometimes
detects ‘Batches’ as ‘Matches’ and ‘mocktest’ as ‘locktest’ etc. sometimes it even mistakenly types vulgur words which are not even spoken E.g.
“lower bureaucracy” as “lover bureaucracy” So, plz ignore it.
6. In FoxitPDF reader software, click on the bookmark button on right hand column, to open the nagivation menu
(Plz turnover the page, as FAQ has more than one sub-questions Page 1 of 249
Educational Queries in Mrunal’s Economy Course at Unacademy Plus (Batch PCB#2) Discount Code: ‘Mrunal.org”
Section Types of Querries
A00] General - A01] Strategy/Planner/Time Management

- A02] Current Affairs
- A03] Notes Making
- A04] Revision
- A05] Medium/Language
- A06] Optional Subject
- A07] Interview
- A08] Age/Attempt/Cutoff/Medical Std.
- A09] Others - demotivation, career backup etc.
B00] Admission / - B01] Type of student: Old student/Previous Batch student

based on type of - B02] Type of student: Future student (2022,23)
student - B03] Type of student: Late Admission
- B04] Type of student: Working Professional / Housewives
- B05] Type of student: Non-IAS exams student-

StatePSC/CDS/CAPF/EPFO/RBI etc
C00] Economy - C01] Economy Handout related queries, corrections in

Course General handout
Doubts - C02] Economy reading list etc, Economic survey, Yojana-
Kurukshetra
- C03] Economy - general doubt → others
D00] Economy - D01A1] money's evolution: barter to bitcoin, Digital economy

Specific Doubts - D01A2] RBI monetary policy: CRR, SLR, Repo, PSL etc
- and so on for other pillars
E00] Mocks - E01] Weekly Quiz of Mrunal's Economy Class

- E01C] Weekly Quiz of Mrunal's Economy Class → Correction
- E02] Unacademy's other tests (where Mrunal not associated)
- E03] Private Institutes' Paid Prelims Mock Test
- E04] Mains Mock Test/Answer Writing
-
F00] Misc - F01] Additional Requests / Farmaayish from teacher

- F02] Live Class Tech/ chatbox nuisance/ Piracy
-
Contents
Doubts abt Win20 And Win21 .............................................................................................................................................................................. 1
Instructions .......................................................................................................................................................................................................... 1
18_ Feb_2021_Students'_Doubts ...................................................................................................................................................................... 26
19_ Feb_2021_Students'_Doubts ...................................................................................................................................................................... 38
20_Feb _2021_Students'_Doubts ...................................................................................................................................................................... 52
21_Feb _2021_Students'_Doubts ...................................................................................................................................................................... 65
22_Feb _2021_Students'_Doubts_upto_6_pm .................................................................................................................................................. 76

FAQ-CHART - scroll in the PDF accordingly ...................................................................................................................................................... 85
A00] General Qs on UPSC Prep/Strategy.................................................................................................................................................. 87
A01] Strategy / book list/ How to begin preparation for UPSC? ................................................................................................................... 87
A01] Daily Planner for a UPSC Aspirants .............................................................................................................................................. 87
A01] Monthly Monthly planner ................................................................................................................................................................ 89
I have not finished even a single subject then is 6 months time period sufficient for preparation of prelims and mains of UPSC?............... 92
my Optional subject schedule is not finishing by February .......................................................................................................................... 93
A01] What are your thoughts on xyz subject after the toughness of prelims 2020 paper? ........................................................................... 93
A01] What should I do after the Prelims-2020's tough paper? ................................................................................................................ 94
A01] Mains: Strategy / book list/ How to begin preparation? .................................................................................................................. 94
A01] How to prepare IR/diplomacy? ............................................................................................................................................................ 94
A01] What to do for Essay Preparation? ............................................................................................................................................... 95
How to approach the essay topics that were asked in the Mains 2020? ...................................................................................................... 95
A01] How to prepare ethics .................................................................................................................................................................... 95
A01] Too many lectures/unable to find time/Time management/how to start /General strategy? ............................................................ 96
Suggest me educators for each subject/ Whose lecture should I attend/skip? ........................................................................................ 97
A01] How do I evaluate myself after finishing the topic?.............................................................................................................................. 98
A01] Do I have to study NCERT? Which standard's books? ....................................................................................................................... 98
A01]Where can I download TamilNadu Text Books? .................................................................................................................................. 98
A01] Do I have to read NIOS if I am reading Shankar IAS for environment? ............................................................................................... 98
A01] Where to download the Tamil Nadu history textbook (new edition)? ................................................................................................... 98
A01] Do I have to study the second Administrative Reforms Commission (ARC) report for mains? ............................................................ 98
How useful are the scanned copies of the topper notes? ............................................................................................................................ 99
Should I watch Rajya Sabha TV debates? .................................................................................................................................................. 99
A01] PIB is a separate subject? .................................................................................................................................................................. 99
A01] Do I have to study Niti Aayog reports as recommended by some toppers?....................................................................................... 100
A01] How to prepare for the governance topic in mains paper 2? ............................................................................................................ 100
A01] How to prepare for the ethics topic in mains paper 2? ..................................................................................................................... 100
A01] How to read "X" book? give me strategy? ......................................................................................................................................... 100
A01] Do I have to join a coaching institute in Delhi? .................................................................................................................................. 100
A01] I've just passed class 12 / still in college? ......................................................................................................................................... 100
A02] Current Affairs / Newspaper related doubts .................................................................................................................................... 100
Current affairs(CA) preparation/ Current PDF/Newspaper skip/Notes? ................................................................................................ 101
Span of CA for Mains Exam? ............................................................................................................................................................... 101
I have just started the preparation how to catch up with the current affairs that went in the past? ............................................................. 101
How to utilise your daily current affair series? ........................................................................................................................................... 103
Is it compulsory to read the current affairs pdf file even if I am reading the Hindu newspaper daily? ......................................................... 103
How do I finish the newspaper fast?.......................................................................................................................................................... 103
Do I need to make notes from Mrunal daily current affairs on YouTube? .................................................................................................. 103
Which newspaper better Hindu or Indian Express ? .................................................................................................................................. 103
I am based in South India should I use the Hindu or Indian Express? ....................................................................................................... 104
A02]Mrunal's Daily Indian Express Commentary on YouTube .................................................................................................................. 104
I am watching your videos on Youtube then do I also need to read the newspaper? ................................................................................. 104
Where can I download the notes of your daily Indian Express commentary? ............................................................................................ 105
If I am watching Mrunal's current affairs on YouTube should I still refer to some other monthly current affairs pdf searches Vision IAS/ IAS
parliament? ............................................................................................................................................................................................... 105
Current Affairs (CA) PDF Vision/IASParliament/3rd party: which one to use? ...................................................................................... 105
Shd I use Vision PT365/similar YEARLY compilations or Monthly CA PDF? ........................................................................................ 105
Monthly current affairs pdf file have 100 pages how do I finish them fast? ........................................................................................... 106
"X" course / "Y" educator covering current affairs. Should I watch it or read it manually from some CA-PDF? ..................................... 106
CA-PDF strikerate very poor. then Shouldn't I make all the notes by myself? ............................................................................................... 106
Should I read the Hindu or Indian Express? ......................................................................................................................................... 106
my default newspaper is indianexpress. But some toppers are suggesting that an environment portion is better in the Hindu newspaper.
Then what to do? ...................................................................................................................................................................................... 107
How important it is to read The Hindu or Indianexpress newspaper column? ....................................................................................... 107
Non-English candidate facing problem comprehending english columns/editorials? ............................................................................ 107
I want to appear in the mains exam in Hindi medium then why should I read English medium paper ? ..................................................... 108
If a newspaper column is criticizing the government policy should we read it or not? ........................................................................... 108
Difference between current affairs and contemporary affairs..................................................................................................................... 108
A03] Notes Making related doubts .......................................................................................................................................................... 108
What type of state specific news should be followed from the newspaper for the purpose of IAS interviews? ........................................... 109
A04] Doubts about Revision?....................................................................................................................................................................... 110
When should I do revision? ..................................................................................................................................................................... 110
How should I do revision of GS ................................................................................................................................................................. 110
Should I read the original book of Laxmikant of spectrum or can I rely on the summary video? ................................................................ 111
Doubt about revision of economy............................................................................................................................................................. 111
How many days should it take to finish the revision of the entire handout ............................................................................................ 111
Doubts: Revision priority for 2021 prelims ................................................................................................................................................. 111
Tell me the most important topics of economy for prelims? ....................................................................................................................... 112
A05] Medium selection doubts in Mains/Interview .................................................................................................................................... 112
Doubt abt medium selection for mains exam? ...................................................................................................................................... 113
Doubt abt medium selection for interviews? ......................................................................................................................................... 113
How to improve vocabulary for Hindi medium? .................................................................................................................................... 113
How to prepare for the compulsory Hindi language paper for the the Hindi belt candidates? .................................................................... 113
How to improve vocabulary for English medium for Mains/Interview? .................................................................................................. 114
A06] Optional subject related doubts ....................................................................................................................................................... 114
A06] How to prepare optional? ............................................................................................................................................................. 114
A06] Tell me best educator for X optional subject ................................................................................................................................. 114
A06] My option subject not available in unacademy Plus?.................................................................................................................... 114
A06] Should I drop my graduation subject to select Humanities subject? ............................................................................................. 115
Engineering subject versus Humanities .................................................................................................................................................... 116
A06] subject "X" appears easy to me after looking at its previous papers. Should I take it? ...................................................................... 116
A06] subject "X" is very small and easy scoring? ...................................................................................................................................... 116
A06] Which one to pick from PubAd/PolSci/Socio ................................................................................................................................ 116
A06] Which one to pick between (Short syllabus) vs long Syllabus walla Optional? ............................................................................. 117
A06] Should I take economics as an optional subject? ......................................................................................................................... 118
A06] Is Law not a good optional subject? ............................................................................................................................................. 118
A06] Sanskrit/Sindhi/Assamese literature or some other very lesser known subject - shd I take it or not? ............................................ 119
A06] Tell me the book list and strategy for Gujarati literature optional .................................................................................................. 119
A06] Optional Subject "A" vs "B" ............................................................................................................................................................... 119
A06] Notes making for optional subject ................................................................................................................................................ 119
Your website study material for public administration, political science is not downloadable? ................................................................... 120
A07] Doubts on Interview Preparation ................................................................................................................................................. 120
How do I improve my personality for the interview? .................................................................................................................................. 120
How do I improve my Confidence, command and communication skill for the interview? .......................................................................... 120
insecurity over Blank years in biodata? ..................................................................................................................................................... 121
A07] Insecurity about the DAF form? ............................................................................................................................................... 121
Correspondence address & state-based interview Qs ............................................................................................................................... 121
A07] When and how to start interview prep? .................................................................................................................................... 121
A07] Interview: Possible questions from my graduation hobbies and work experience? .................................................................. 122
What type of state specific news should be followed from the newspaper for the purpose of IAS interviews? ........................................... 122
A07] If everyone knows the booklist and strategy then why only few people get selected? .............................................................. 122
A08] Age/ Attempt/ Cut-off / medical condition / eye sight / chest etc. ...................................................................................................... 123
Minimum age required / age limit ............................................................................................................................................................. 123
Where to download the full syllabus, age, attempt, eligibility? ................................................................................................................... 124
i'll be in last semester in 2021. then will I be eligible to appear the UPSC-2021? ...................................................................................... 124
A08] Medical standards / eyesight / chest/ height etc for UPSC? ......................................................................................................... 124
A08] How many marks do I have to get to get selected in the UPSC? .................................................................................................. 125
A08] Cutoff-Prelims: general Studies Paper 1 out of 200 marks ........................................................................................................... 125
A08] Cutoff-Mains................................................................................................................................................................................. 126
Graduation marksheet certificate related eligibility doubt........................................................................................................................... 126
A09] General Doubts about Preparation → Others / Misc .............................................................................................................................. 127
Overwhelmed by the information overload ................................................................................................................................................ 127

A09] unable to focus in studies/ unable to remember ........................................................................................................................... 127
Should I simultaneously prepare for two exams at once?.......................................................................................................................... 127
Should I join post graduation or not ? ........................................................................................................................................................ 128
If I do not do post graduation will it reduce my chances of selection in the UPSC interview ? ................................................................... 128
A09] Plan-B/ Career backup if I fail in the UPSC? ................................................................................................................................ 128
IGNOU post graduation- Through distance learning mode ........................................................................................................................ 129
B00] Admission → queries based on student type ........................................................................................................................................... 129
B01] Admission → Previous Batch Student / old batch student .............................................................................................................. 130
B01] Previous batch student failed in the prelims 2020 what should he do?.............................................................................................. 130
When will your Win 21 CSP series come? ................................................................................................................................................ 130
B01] previous batch student fully completed the course. should I sit for economy course again? ......................................................... 130
B01] previous batch student who didn't fully complete previous course ................................................................................................ 131
B01] Give me the video links to Win20CSP series? .............................................................................................................................. 131
B01] Give me the video links to Win21CSP series? .............................................................................................................................. 131
B01-21] Economic updates during and after my course is over:= Win21CSP Series Updates ................................................................. 132
How and when will I know where your Win 21 CSP series lectures have started? .................................................................................... 132
B01] what is the difference between full course and Win21CSP Series .................................................................................................... 133
I am old batch students but I did not take printout of the previous batches, then should I take printout of PCB3-batch? ........................... 133
B02] Future student (2022,2023,2024,2025) ................................................................................................................................................ 133
B02] Student Targeting 2022 ................................................................................................................................................................... 133
B02] but if I do not finish the economy subject sooner, I will not be able to understand all the newspapers coming from present till 2022.
so, shouldn't I finish the economy in 2020, itself, even for 2022's attempt? ............................................................................................... 134
B02] i want to give attempt in 2022/2023 or afterwards, But my subscription expiring sooner so should I sit in present batch?................ 134
B02] Should I take a printout of the hand out if I am targeting 2022? ....................................................................................................... 134
B02] if I am not eligible for 2021's exam, Should I sit in it just for gaining experience? .............................................................................. 135
B03] Admission → late admission ............................................................................................................................................................. 135
Should I join the Feb Batch or continue with the present one? .................................................................................................................. 135
B03] I've taken late admission should I wait for the next batch? ........................................................................................................... 135
B03] late admission, how to cover up the gap / missed lectures in the present course? ........................................................................ 136
B03]Can I directly read the handout and PowerPoint instead of watching the video .................................................................................. 136
B04] Working professionals / homemakers............................................................................................................................................... 136
B04] I am a working professional / housewife/homemakers. How to manage time and studies? ........................................................... 136
B04] shd i leave quit job to prepare fully for exam? .............................................................................................................................. 137
B05] Type of student: Non-IAS exams student- StatePSC/CDS/CAPF/EPFO/RBI etc.................................................................................. 138
I'm preparing for StatePSC exam, how to use your economy course? ...................................................................................................... 138
CAPF exam strategy ................................................................................................................................................................................. 138
EPFO exam, what to do? .......................................................................................................................................................................... 138
I'm preparing for CAPF (Assistant commandant), how to use your economy course? ............................................................................... 138
RBI grade B officer as 'career backup'? .................................................................................................................................................... 139
RBI grade B officer strategy ...................................................................................................................................................................... 139
I have just started preparation for competitive exam in the last four to five months should I appear simultaneously in RBI officer exam as
well as IAS exam? .................................................................................................................................................................................... 139
I am working professional now only 5 months left before UPSC prelim should I prepare for both RBI exam as well as UPSC exam I have
never cleared UPSC Prelims in the past ................................................................................................................................................... 140
Tell me something about the SEBI officer mains exam? ........................................................................................................................... 141
I'm preparing for IES (Engineering) Service, how to use your economy course? ....................................................................................... 141
I am preparing for Indian economic service (IES) service exam, how to use your economy course? ........................................................ 141
working professional struggling to find time for preparing two exams (UPSC with SSC/StatePSC) simultenously ..................................... 142
C01] Economy Course: General doubts → Handout of my Economy Lectures and corrections ............................................................... 142
C01] Where is the handout? How to download handout? ..................................................................................................................... 143
C01] How to download the powerpoint Which you are teaching in the class? ....................................................................................... 144
What is the difference between PowerPoint and handout? ....................................................................................................................... 144
C01] Should I take printout? my eyes are stressed because of PDF reading? ..................................................................................... 144
C01] Handout Font display problem .......................................................................................................................................................... 145
Blank pages in the handout ....................................................................................................................................................................... 146
C01] Handout Font change suggestion: plz use "X" font instead of "Y" font .............................................................................................. 146
heading numbring- why topic1 starts at "10" and not "1" ........................................................................................................................... 147
C01] Give me all the handouts at once, ABHI KE ABHI ............................................................................................................................ 147
At the end of the course give all the 6 Pillars handouts combined into a single PDF file............................................................................ 147
C01] Why sequence of topic is different in Powerpoint to Handout?.......................................................................................................... 147
C01] What is the meaning of all the emojis used in your hand out? ...................................................................................................... 148
C01] What is meant by "List not Exhaustive" which you have written in handout? ..................................................................................... 148
C01] Do I need to make notes from your handout? ................................................................................................................................... 148
C01] Handout: → Fisherman's net ............................................................................................................................................................ 148
C01] Hindi Medium mein handout chhahiye mujhe. .................................................................................................................................. 149
C01] How to improve Hindi for economy answer writing? .......................................................................................................................... 150
C01] Why handout has no blanks? previously you used to keep blank? ................................................................................................... 150
C01] Give model answers for the mains exam in a separate handout ....................................................................................................... 150
C01] Handout /PowerPoint filename sequence formats ............................................................................................................................ 150
C02] Economy Course: General Doubts → Reading list/booklist for economy? .................................................................................. 150
C02] Do I've to make notes from your class .............................................................................................................................................. 152
C02] Is economic survey and India year book same thing? .................................................................................................................. 152
C02] Do I've to read NITI Aayog report(s)? ........................................................................................................................................... 152
C02] Should I buy / read Ramesh Singh / Sanjiv Verma / Nitin Singhania or other newly launched book for Economy or not? ............ 152
C02] Do I have to read India yearbook published by govt? ................................................................................................................... 153
C02] Do I've to read the Economic Survey? ......................................................................................................................................... 153
C02] Some economic survey chapters do not have proper introduction and conclusion format? .......................................................... 153
C02] Why volume2 of past economic surveys need not be read? ......................................................................................................... 153
C02] When should I start reading Yojana Kurukshetra magazine ? ...................................................................................................... 153
C02] Do I have to read Yojana and Kurukshetra magazine page by page? .......................................................................................... 154
C02] Which NCERTs do I have to read for economy? .......................................................................................................................... 154
C02] Should I make notes for economic current affairs? ....................................................................................................................... 154
Will you be teaching government schemes and departments .................................................................................................................... 154
C03] Economy Course: General Doubts → Others .................................................................................................................................. 154
What is the guarantee that in next exam all questions can be solved from your course? .......................................................................... 154
How can I develop 360 degree Holistic perspective for mains answer writing in economY? ...................................................................... 155
How many questions should be solved from your hand out in the last exam ............................................................................................. 155
Please teach in English medium I do not know Hindi? .............................................................................................................................. 155
if I attended this June2Sept batch (nicknamed Post-Corona-Batch-1), do I have to again sit in October walli batch (PCB2)? ................... 155
If I'm attending PCB2 (Oct-2020 walli batch), do i've to watch Win20CSP Series?.................................................................................... 155
Is this course covering both prelims and mains economy for GS? ............................................................................................................ 156
I am weak in economy what should I do? .................................................................................................................................................. 156
How to cover the current affairs on Economy after your course is over? ................................................................................................... 156
What subjects of the GSM3 paper are covered in this course ? ................................................................................................................ 156
Will u teach GSM3: Food processing industry? ......................................................................................................................................... 159
Will u teach GSM3: Land reforms?............................................................................................................................................................ 159
Agriculture covered within this course or not? ........................................................................................................................................... 159
Do I need to make notes from your handout? ........................................................................................................................................... 160
How should I revise economics from your course? ................................................................................................................................... 160
Do I've to memorize facts, can i pass prelims just with 'basic understanding of economy concepts'? ........................................................ 160
Which data or numbers are important for economy? ................................................................................................................................. 160
Do i've to remember the full form of all organizations and schemes? ........................................................................................................ 161
Are the schemes older than 2019 important for the future exams?............................................................................................................ 161
Do I have to remember all the Yearbook info [Ministry/Dept/PSU]?........................................................................................................... 161
Will you be teaching the government schemes in this lecture?.................................................................................................................. 161
your previous batch had more number of lectures. This batch has less number of lectures, why is it so? ................................................. 162
Which chapters or pillars of the economy are more important for prelims and mains? .............................................................................. 162
My subscription expiring sooner / I want to finish the economy faster ....................................................................................................... 162
D00] Economy Doubts → Specific ........................................................................................................................................................... 162
students' stress level is raised because of some random technical questions seen in a private mock test about RBI. .............................. 162
D01A1] Economy Specific Doubts → Pillar#1A1: barter to bitcoin ............................................................................................................ 163
Barter in services ...................................................................................................................................................................................... 163
If there is a war then there could be inflation in the barter system so how is it free from the currency exchange fluctuation ...................... 163
I have doubts fungibility of shares / bonds / debentures ............................................................................................................................ 163
is gold bangle fungible with gold necklace if one of them has all gold hallmark and other does not? ......................................................... 163
is 24 carat gold bar fungible with a 22 carat gold bar?............................................................................................................................... 163
Contingent function of money.................................................................................................................................................................... 164
How can metallic money be fiat money ..................................................................................................................................................... 164
Difference between debased coin and token coin? ................................................................................................................................... 164
Why is G-Sec and T-bill not fiat money, despite the fact that they are issued by govt? ............................................................................. 164
As per the finance act possible to pay through cheque and online banking so why are they not legal tenders will it not create confusion
among the people ? .................................................................................................................................................................................. 165
Grisham's law And Tughlakh coin ............................................................................................................................................................. 165
Why doesn't the government or RBI print more notes to remove poverty? ................................................................................................ 165
How many notes can RBI print? is there any limit on that? ........................................................................................................................ 165
What is Hot Money? .................................................................................................................................................................................. 165
What is cheap money /dear money? ......................................................................................................................................................... 165
bank is closed on Sunday, then how can you say NEFT/RTGS available 24 x 7? .................................................................................... 165
If there is NEFT 24/7 then why there is need for IMPS? ............................................................................................................................ 166
If there is IMPS for instant settlement then why there is need for NEFT which does it at 30-30 minutes interval? ..................................... 166
handout says IMPS = Fees + GST. but my bank receipt is not showing GST amount. so how can you say that? ..................................... 166
why don't people accept 50 paisa coin ...................................................................................................................................................... 166
my shopkeeper refuses to accept Rs. 50 paisa coin. Then how can u say it is legal tender? .................................................................... 167
my shopkeeper refuses to accept Rs. 1 note. Then how can u say it is legal tender? ............................................................................... 167
if one rupee note is be demonetised, then RBI will not replace it, because it doesnt contain "i promise to pay bearer.." ........................... 167
coins do not contain promise of "I promise to pay bearer..." so how can we say they are legal tenders? .................................................. 168
currency notes are not unlimited legal tender because government has banned cash payments of 2 lakh and higher. So, what to tick in the
real MCQ? ................................................................................................................................................................................................ 168
rupee stored in paytm digital wallet is fiat money or not? .......................................................................................................................... 168
2018's Prelims MCQ given in handout-legal tender answre should be "D" because creditor can refuse to accept more than 2 lakh rupees in
cash .......................................................................................................................................................................................................... 168
if i exchange a torn 2000's note to RBI, and RBI offier gives me 2000 nos of Rs.1 Note, then Will any legal action be taken against him for
violating the Coinage Act 2011's limited legal tender? ............................................................................................................................... 169
Fiat money / legal tender: i've variety of confusions: why xyz thing is not fiat money/legal tender e.g. cheque book/ATM cards? ............. 169
Why cheque/DD/card not legal tender even though finance act allows payment through it? ..................................................................... 169
How is SOV a fiat money? Why is bitcoin not fiat money/legal tender? ..................................................................................................... 170
Why is bitcoin not fiat money/legal tender? ............................................................................................................................................... 170
Demonetisation: What if RBI Central Board does not agree with it? .......................................................................................................... 170
CTS vs Positive Pay not understood? ....................................................................................................................................................... 170
In cheque we also have to write amount in text as well as figures e.g. fifty lakh only. so how is the manipulation possible and how can
positive pay mechanism prevent? ............................................................................................................................................................. 170
What is the difference between demand draft and cheque? ...................................................................................................................... 171
I have not understood what is demand draft or overdraft?......................................................................................................................... 171
You said that X thing is not possible in non-BHIM App but it is possible I checked.................................................................................... 171
Upi vs Bhim and other apps ke 500 doubts ............................................................................................................................................... 171
OCR vs CTS difference?........................................................................................................................................................................... 172
Redenomination pe PHD Kraao: how it'll affect inflation, purchasing power, deficit, taxation etc? ............................................................. 172
How is Credit card and Overdraft different? .............................................................................................................................................. 172
NFS vs IMPS- 500 jaat ke doubts ............................................................................................................................................................. 172
does NFS Also run UPI, BHIM? ................................................................................................................................................................ 172
how is semi closed PPI similar or different than XYZ other thing? ............................................................................................................. 172
Brown label ATM white label ATM etc ....................................................................................................................................................... 172
Micro ATM trust issues.............................................................................................................................................................................. 173
WHY govt has ordered RBI and Banks to pay MDR of large businessmen? Why doesn't government pay it? .......................................... 173
MDR turnover limit 50 cr related doubts .................................................................................................................................................... 173
How do PhonePe/Mobikwik etc make money when they give freebies/cashback? .................................................................................... 173
What is notion of security with physical cash? ........................................................................................................................................... 173
BBPS vs PRB ........................................................................................................................................................................................... 174
Why do people buy/invest in bitcoin is even if they know that it is bad? .................................................................................................... 174
what is the difference between E-money vs Digital Money? ...................................................................................................................... 174
if blockchain ensures transparency then how can we not detect bitcoin transactions not be detected/anonymous?.................................. 174
If the government regulate the stablecoins then they cannot be misused for money laundering so why is government not allowing it? .... 175
why World bank's bond-i is asking Australian Dollar why not issuing bonds in American Dollar? .............................................................. 175
My question is not listed in the above questions........................................................................................................................................ 175
Economy updates during Oct20 to Feb21? ............................................................................................................................................... 175
After your course is over, how to receive updates on new CA/budget/economic survey 2021? ................................................................. 176
What topics are you going to teach in economy? ...................................................................................................................................... 176

D01A2] Economy Specific Doubts → Pillar#1A2: Monetary policy ........................................................................................................... 176
Difference between monetary policy and fiscal policy ............................................................................................................................... 176
What is financial inclusion ......................................................................................................................................................................... 176
if [capital+liability(deposits)+net profit=assets] then how can bank's deposits are its liabilities when it equals assets? .............................. 176
What is Foreign securities? ....................................................................................................................................................................... 177
Current account require minimum balance ................................................................................................................................................ 177
Banks assets and liabilities ....................................................................................................................................................................... 177
Narrow money broad money ..................................................................................................................................................................... 177
Hot money ................................................................................................................................................................................................ 177
Why does RBI take M3 as the aggregate money supply and not M4?....................................................................................................... 177
If M2 Includes post office money then why doesn't M3 include post office money? ................................................................................... 177
What is vault cash? ................................................................................................................................................................................... 178
If I withdraw money from the bank account how will RBI know how much money I have?......................................................................... 178
Does m0 count public money deposited in banks?.................................................................................................................................... 178
What is banking penetration? .................................................................................................................................................................... 178
How does money multiplier help the economy? ........................................................................................................................................ 178
Financial inclusion and banking penetration improve the money multiplier → M3 increased → Will it not bring inflation? .......................... 179
Post office savings are borrowed by the government then how will it increase the inflation? ..................................................................... 179
will "X" thing not lead to double counting of money in the formula of M0-M1-M2-M3-M4 ........................................................................... 179
What happens to the money supply if parents send money to foreign country to their children studying abroad ? .................................... 179
All types of Doubts over M0-M1-M2-M3-M4 .............................................................................................................................................. 180
All types of Doubts over over M0 and money multiplier effect ................................................................................................................... 180
Relationship between SLR and money multiplier? .................................................................................................................................... 180
How can one rupee coin be both asset and liability in RBI? ...................................................................................................................... 180
If RBI is purchasing foreign Government Security how does that increase the money supply in India? ..................................................... 180
RBI asset liability related 500 type ke questions........................................................................................................................................ 180
Velocity of money...................................................................................................................................................................................... 181
What if someone does not repay the loan where no Collateral is given? ................................................................................................... 181
If money supply is increased how will interest rate decrease?................................................................................................................... 181
How can CRR be an asset for the bank when RBI is not paying interest on it? ......................................................................................... 181
CRR on G-Sec? ........................................................................................................................................................................................ 182
Why not decrease the CRR further, to revive the economy after Corona? ................................................................................................ 182
Can banks pledge the SLR-gold to borrow money from RBI? ................................................................................................................... 182
When MCQ says interest rate does it mean deposit wala aur loan wala? ................................................................................................. 182
What is MSF and LAF? ............................................................................................................................................................................. 182
Bank rate? ................................................................................................................................................................................................ 182
How is bond yield inversely related to price?............................................................................................................................................. 182
LTRO / TLTRO: i've xyz doubt because my blood pressure is raised after spotting some random column in the newspaper or some random
MCQ in private mock test! ......................................................................................................................................................................... 183
Difference between bank rate and LTRO .................................................................................................................................................. 183
Tell me about the different types of government securities ........................................................................................................................ 183
Apart from Reserve Bank what other sources can government borrow money from? ............................................................................... 183
Can ordinary people buy government securities from RBI under the open market operations and how is this different from the the
secondary market? ................................................................................................................................................................................... 183
In the operation twist if RBI is forcibly buying the Government Security it will reduce the trust of investors in G Sec . will it not? .............. 183
Operation Twist: i've xyz doubt because my habit to think outside of photo-frame, my blood pressure is raised after spotting some random
column in newspaper or some random MCQ in private mock test! ............................................................................................................ 184
If RBI keeps the government security with itself it will earn profit/ interest from the government then why will RBI sell it in the open market
operations? ............................................................................................................................................................................................... 184
Why is repo the main tool of monetary policy, When it is very ineffective giving any result? ...................................................................... 184
How is sdf different than reverse repo rate ? ............................................................................................................................................. 184
How is CRR different and reverse repo rate .............................................................................................................................................. 185
How is Consumer credit control and rationing of credit different? .............................................................................................................. 185
Why or how is loan-to-value not a quantitative tool? ................................................................................................................................. 185
What is a regulatory sandbox? .................................................................................................................................................................. 186
FSRASC and selection of RBI side members in MPC ............................................................................................................................... 186
if priority-target#1 is inflation controlled then why is RBI focusing on GDP at present in corona, Why doesn't RBI increased the repo rate to
combat inflation at present? ...................................................................................................................................................................... 186
External benchmark .................................................................................................................................................................................. 186
My question is not listed in the above questions or I didnot understand topic ............................................................................................ 186
D01B1] Economy Specific Doubts → Pillar#1B1: Classification of bank nbfc ........................................................................................... 187
How can Paytm Bank give loans and credit cards and fixed deposits despite being a payment Bank? ..................................................... 187
One of RBI committee recommended giving Bank licence to large corporates in nbfcs. What is the way forward? ................................... 187
RBI role in branch expansion .................................................................................................................................................................... 187
Doubts over scheduled non-scheduled bank eligibility conditions ............................................................................................................. 188
How to open a bank/scheduled vs non-schedule? .................................................................................................................................... 188
CRR and SLR on non-scheduled banks .................................................................................................................................................... 188
If starting a bank request 500 cr then why is scheduled bank status required 5 lakh rs? ........................................................................... 188
if SFBs already have Rs.100 cr capital Why doesn't RBI give them automatic schedule bank status? ...................................................... 188
Doubt of paid up capital vs authorized capital ........................................................................................................................................... 188
Do non scheduled banks have to comply with Priority sector lending norms? ........................................................................................... 189
Narsimham / narasimham committee ........................................................................................................................................................ 189
Cooperative society what is it? .................................................................................................................................................................. 189
Doubt over Banking equation .................................................................................................................................................................... 189
can PAID UP CAPITAL be more than AUTHORISED CAPITAL in any case ?? ........................................................................................ 189
In the scheduled commercial bank requirement what is meant by "RESERVES"? .................................................................................... 189
Merger vs amalgamation vs share swap ................................................................................................................................................... 190
Was UTI-Axis Bank / IDBI Bank a public Sector bank in the 90s when they got licence? .......................................................................... 190
SFB Eligibility entry capital norms- Why they were different before, and why changed in on-tap?............................................................. 190
Can bank employees go on hartal or strikes ? .......................................................................................................................................... 190
If National housing bank is now owned by the government then how come RBI regulate it? ..................................................................... 191
Why did the government take over the ownership of NHB/NABARD etc from RBI? .................................................................................. 191
NHB/NABARD/SIDBI/EXIM i didnt understand ......................................................................................................................................... 191
you have defined BANK - take deposit and give credit but PAYMENT BANKS like Paytm can't give credit how they are banks? ............. 191
Bajaj Finserv how can it give a credit card if it is a non banking financial company then as per the handout it cannot give credit card...... 191
If Bank have licences primary dealer then how can primary dealers are treated in the non-bank part? ..................................................... 192
D01B2] Economy Specific Doubts → Pillar#1B2: Burning issues in the banking sector............................................................................ 192
If npa percentage are decreasing then, why is profitability not increasing? ............................................................................................... 192
What is credit growth?............................................................................................................................................................................... 192
What is the difference between subprime crisis and global financial crisis? .............................................................................................. 192
How or why do Bank give 0% EMI on ECommerce website shopping? ..................................................................................................... 192
Why is haircut not included in the equation of the stressed assets? .......................................................................................................... 193
What is IBBI directive on Avoidance Transaction? .................................................................................................................................... 193
NCLT grants moratorium........................................................................................................................................................................... 193
What is meant by the withdrawal of the resolution plan? ........................................................................................................................... 193
IBC OC/FC Air India Pilot Salary Case...................................................................................................................................................... 193
Payment Bank cannot give loan then how is BASEL norm applicable? ..................................................................................................... 193
What is bail in and bail out? ...................................................................................................................................................................... 194
How does ILFS help in the infrastructure Finance? ................................................................................................................................... 194
Blunt action versus calibrated actions ....................................................................................................................................................... 194
Prompt corrective action Framework versus direct action ......................................................................................................................... 194
Credit information company versus credit rating company ........................................................................................................................ 194
D01C] Economy Specific Doubts → Pillar#1C: SEBI sharemarket ........................................................................................................... 194
Negative yield/Inverted Bond yield ............................................................................................................................................................ 195
If excessive Gold import is bad for the economy then why not ban it completely? ..................................................................................... 195
in IDR What happens if the company fails? ............................................................................................................................................... 195
You said the state treasury bills have been discontinued but xyz website says otherwise ......................................................................... 195
How can Abu Dhabi sovereign investment invest in private sector company like jio? ................................................................................ 196
ADR/GDR Atmanirbhar reforms not understood........................................................................................................................................ 196
What is Public Account, Consolidated Fund & fiscal deficit? ..................................................................................................................... 196
Why is excessive gold consumption bad for economy?............................................................................................................................. 196
How can pvt limited company have shareholding? .................................................................................................................................... 196
Why is real estate speculative investment bad for the economy? .............................................................................................................. 196
What is Blue chip, demat, day trading etc terms........................................................................................................................................ 197
P/BV ratio?................................................................................................................................................................................................ 197
Negative bond yield .................................................................................................................................................................................. 197
IPO/FPO ................................................................................................................................................................................................... 197
(ADR/ GDR/IDR) vs P- notes .................................................................................................................................................................... 197
Mutual fund vs ETF ................................................................................................................................................................................... 198
who is liable to pay STT , seller or buyer ? ................................................................................................................................................ 198
Companies Act authorised capital vs paid up capital? ............................................................................................................................... 198

D01D] Economy Specific Doubts → Pillar#1D: Insurance pension, financial inclusion ............................................................................. 198
Difference between pension and provident fund and insurance ................................................................................................................ 198
Third party motor vehicle insurance why it is not called second party?...................................................................................................... 199
What is financial repression of households? ............................................................................................................................................. 199
Who regulate the IPO underwriter? ........................................................................................................................................................... 199
NPS Basic Pay?........................................................................................................................................................................................ 199
"pradhan manthri shran yogi yojana"(pension) wife died only 1500 gets and If husband died he gets 3000, is it gender discrimination????
................................................................................................................................................................................................................. 199
Difference between MSME and a small firm ? ........................................................................................................................................... 200
What is public procurement quota? ........................................................................................................................................................... 200
Finance commission vs Planning Commission grants ............................................................................................................................... 200
Is China a closed economy? ..................................................................................................................................................................... 200
D02] Economy Specific Doubts → Pillar#2: Budget taxation subsidies disinvestment .............................................................................. 200
How is it possible that parliament "CANNOT increase" taxes? .................................................................................................................. 200
google tax: adsense vs adwords ............................................................................................................................................................... 201
MAT in GIFT city? ..................................................................................................................................................................................... 201
What is Book profit? .................................................................................................................................................................................. 201
How or why is Article 265 relevent to Finance bill? .................................................................................................................................... 201
Public account vs consolidated fund of India? ........................................................................................................................................... 201
Money bill finance bill 500 types of doubts about the constitution? ............................................................................................................ 201
What if Rajya Sabha amend the money bill? ............................................................................................................................................. 202
How can u say all tax amount goes to CFI? cess is also a type of tax but it goes to public account. ......................................................... 202
IS "X" fund under Public Account or not? .................................................................................................................................................. 202
Government scheme salient features and eligibility................................................................................................................................... 202
Do I have to prepare state government schemes for UPSC mains? .......................................................................................................... 202
Various populist measures in the interim budget ....................................................................................................................................... 203
Why is there a separate state government budget ? ................................................................................................................................. 203
Why not much direct tax and indirect tax ? ................................................................................................................................................ 203
Income tax is Degressive or progressive? ................................................................................................................................................. 203
What is tax rebate? ................................................................................................................................................................................... 204

Difference between TDS and TCS ............................................................................................................................................................ 204
Can we call TDS and TCS indirect taxes?................................................................................................................................................. 204
Difference between Tobin tax and TCS on the forex dealers?................................................................................................................... 204
Cess vs cascading effect ......................................................................................................................................................................... 204
GST bill dekhe ke XYZ doubt "WHY is it like this in real life"? ................................................................................................................... 204
What if a buyer lies about his billing address? who will get SGST? ........................................................................................................... 205
purchase tax on animal replaced by SGST or not? ................................................................................................................................... 205
Why is road tax not removed in GST ?...................................................................................................................................................... 206
Bread pe GST applicable or not? .............................................................................................................................................................. 206
School bus services pe GST applicable or not? ........................................................................................................................................ 206
If GST was started in 2017 then why was the GST Company formed in 2013? ......................................................................................... 206
Petrol prices across Different cities of India? ............................................................................................................................................. 206
If GST composition wala trader (1-6%) is buying raw material from a wholesaler who is registered under regular scheme of GST (5-28%
walli), then how much GST will he pay? .................................................................................................................................................... 207
newpaper advertisement pe GST ............................................................................................................................................................. 207
GST compensation is given to States in how many installment per year? ................................................................................................. 207
IGST distribution ....................................................................................................................................................................................... 207
GST compensation loan............................................................................................................................................................................ 208
PM-CARES What is trust / trustee?........................................................................................................................................................... 208
Difference between department autonomous body statutory body ? ......................................................................................................... 208
How can Income Tax Department know if something was sold at profit and capital gains tax is due? ....................................................... 208
Revenue account vs capital account in budget ......................................................................................................................................... 209
Dept undertaking, PSU, PSE .................................................................................................................................................................... 209
PSE vs PSB? ............................................................................................................................................................................................ 209
Disinvestment through share buyback ...................................................................................................................................................... 209
IPO vs. Offer for Sale (OfS)....................................................................................................................................................................... 209
Vehicle depreciation .................................................................................................................................................................................. 210
Why shouldn't RBI print notes in air without any assets, to repay the foreign borrowers?.......................................................................... 210
What is indirect monetization? .................................................................................................................................................................. 211
D02]Fiscal deficit vs Debt to GDP ............................................................................................................................................................. 211
D02]How can budget deficit be '0'? ........................................................................................................................................................... 211

D03A] Economy Specific Doubts → Pillar#3A: Balance of payment & international trade ........................................................................ 211
750 million ECB vs. Walmart's 16 billion FDI. ............................................................................................................................................ 211
FDI limits in real estate versus construction of townships. ......................................................................................................................... 212
What is the difference between IFSC AND SEZ? ...................................................................................................................................... 212
diff. between creditor,debtor,credit and debit? ........................................................................................................................................... 212
Why is Dollar seen as Global currency? ................................................................................................................................................... 212
I have some great personal suggestions and opinions about the foreign direct investment gold monetisation scheme curbing the gold
important and other things ........................................................................................................................................................................ 212
Black money invested in gold and gold monetization scheme ................................................................................................................... 212
Migrant vs Diaspora .................................................................................................................................................................................. 213
Remittance and protectionism ................................................................................................................................................................... 213
What is DE-dollarization and what are its benefits?................................................................................................................................... 213
Why don't we simply accept the dollar as our universal world currency? ................................................................................................... 213
Why don't all the countries stop trading with China to teach China a lesson?............................................................................................ 214
if Bhutan accepts Rupee currency just like Equador accepting Dollars. How will it benefit or harm the Indian economy ? ........................ 214
"GST tax depends on the quantum of currency exchanged." what does it mean? ..................................................................................... 214
if ECB limit is 750 million$ then how can Facebook invest 50+ billion$ in Reliance? ................................................................................. 214
How does weakening of rupee help the exporter?..................................................................................................................................... 214
will raising ECB limits not weaken rupee in future when we've to repay in dollars? ................................................................................... 215
Reverse of sterilization if $$ supply increased due to RBI action? ............................................................................................................. 215
FDI in E-Commerce (Inventory Based) ..................................................................................................................................................... 215
RBI BoP Crisis. ......................................................................................................................................................................................... 215
UPSC MCQs on balance of payment crisis and RBI actions? ................................................................................................................... 216
NEER vs REER value interpretation what if Above 100 and below 100? .................................................................................................. 216
SACU / Mercosur PTA .............................................................................................................................................................................. 216
PHD doubts in Theory of relative cost advantage...................................................................................................................................... 216
Xyz thing done by India/foreign nation is not violation of WTO norms? ..................................................................................................... 217
D03B] Economy Specific Doubts → Pillar#3B: International organisations, WTO .................................................................................... 217
Difference between most favoured Nation versus preferential trade agreement ........................................................................................ 217
Both are separate things preferential trade agreement only covers a small list of goods whereas most favoured Nation concept applies to
all type of goods and services which are being traded .............................................................................................................................. 217
In the hand out why have you written that ASEAN was formed in 1967? .................................................................................................. 217
Do I need to prepare the International Organisation more than what is given in the handout? .................................................................. 217
D04A] Economy → Doubts → Specific → Pillar#4A → Agro .................................................................................................................... 217
In E-NAM, who will pay for the Transportation cost? ................................................................................................................................. 217
How much land Reform do I have to prepare? .......................................................................................................................................... 218
GSM3 - Agriculture: How much is covered in your lecture and how much we have to prepare on our own? ............................................. 218
D04B] Economy → Doubts → Specific → Pillar#4B → Mfg, MSME, Startup, IPR .................................................................................... 218
If the patents are given only for 20 years then how come MCdonald/KFC continue to produce it for decades? ....................................... 218
What is the difference between a scheme and a policy? ........................................................................................................................... 218
What is the difference between a special economic zone (SEZ), NIMZ? ................................................................................................... 218
D04C] Economy Specific Doubts → Pillar#4C: GDP ................................................................................................................................ 219
GDP calculation: Why is import added and subtracted ? ........................................................................................................................... 219
Difference between GDP and GVA? ......................................................................................................................................................... 219
Why are we focusing on GDP at nominal exchange rate but not at purchasing power parity?................................................................... 219
Why is a fall in GDP considered to be a bad thing? ................................................................................................................................... 219
Double counting in the GDP expenditure method...................................................................................................................................... 220
If government focuses on circular economy will it not result in fall in the GDP because we will stop creating new electric good all the time
and use refurbished second hand phones?.............................................................................................................................................. 220
Post coronavirus GDP recovery related 500 types ke doubts .................................................................................................................... 220
Impact of inflation on Bond holders? ......................................................................................................................................................... 220
Why add Imported goods in the "C" and then subtract it in "M" ................................................................................................................. 221
Inflation rising in 2020, then why is RBI not increasing repo? .................................................................................................................... 221
Why is government not taking more action to fight inflation? ..................................................................................................................... 221
how does inflation benefit borrowers/debtors? .......................................................................................................................................... 221
How does inflation weaken the currency? ................................................................................................................................................. 222
D05] Economy Specific Doubts → Pillar#5: Infrastructure ........................................................................................................................ 222
Do I need to prepare all the attached offices and autonomous bodies ...................................................................................................... 222
Why big hydro projects are not included in the 175GW target? ................................................................................................................. 222
What is special purpose Vehicle company ? ............................................................................................................................................. 222

Applicability of MMDR Act on various minerals ......................................................................................................................................... 222
What is the difference between the "ministry of housing and urban poverty alleviation" and "ministry of housing and urban affairs" ? Are
they same ? .............................................................................................................................................................................................. 223
What is viability gap funding? .................................................................................................................................................................... 223
D06] Economy Specific Doubts → Pillar#6: HRD ..................................................................................................................................... 223
What to study for general studies paper 1 in addition of your handout? .................................................................................................... 223
HEFA is CPSE or NBFC? ......................................................................................................................................................................... 223
Can JNU get funding from HEFA or not? .................................................................................................................................................. 223
What is meant by Percentage versus absolute population of SC in the handout? ......................................................................................... 224
Discrepancy in some data sets in handout versus on newspaper columns versus some government reports ........................................... 224
D7777] New development in a topic that is finished in lecture ...................................................................................................................... 224
D8888] Patience Please. We are not in that pillar 'yet' .................................................................................................................................. 225
D9999] Economy Doubts → Not Understood / Overthinking /PHD........................................................................................................... 225
D9999] outside photo frame/Operational aspects of economy/org/law ...................................................................................................... 226
D9999] Moral Outrage, "AISA KYO HAI" "isn't x policy contradictory to y policy"?..................................................................................... 226
D9999] The Hindu column sentence not understood #Geeta and Bible .................................................................................................... 227
D9999] PhD/ research paper/overthinking................................................................................................................................................. 227
D9999] Personal tuition/pedanticism/hairsplittery/insecurity ...................................................................................................................... 227
D9999] Unable to follow teachers' instructions from lecture/handout ......................................................................................................... 227
D9999] Unable to understand the topic which is already simplified in sufficient manner ............................................................................ 228
Random MCQ from previous IES EXam ................................................................................................................................................... 229
E01] Mock → Weekly Economy Test ...................................................................................................................................................... 229
E01C] weekly test MCQ related doubts / corrections ................................................................................................................................ 229
E01] You said numbers/factual things are not very important then why did you ask number/factual related MCQs in your weekly test?
................................................................................................................................................................................................................. 229
E01] Some of the questions asked in the weekly test are not given in the handout so how am I supposed to solve it? ....................... 230
E01] Please provide the quiz in Hindi language .................................................................................................................................. 230
E01] Suggest me books for additional preparation of economy MCQs ...................................................................................................... 230
E01] poor score in economy weekly economy quiz, what to do, feeling demotivated? .............................................................................. 230
E01] Please give separate pdf file containing your weekly Quiz, its answers & explanations .................................................................... 231
E01] Senior students finishing weekly quiz fast / why no negative marking/ why rank on speed? ............................................................. 231
E01] Please Change every MCQ in every new batch so senior students can’t finish it in 5 minutes .......................................................... 231
E01] Please increase the number of questions asked in the weekly quiz /live class/in handout ................................................................ 231
E01] Please add previous pillars questions in the next week's quiz e.g. Pillar1's MCQs in pillar2's quiz .................................................... 231
E01] What is 50:50 strategy? in ticking the MCQs? ................................................................................................................................... 232
E01] I am unable to get correct answer even after doing 50:50 elimination strategy ................................................................................. 232
I have joined the batch late and I am unable to score well ........................................................................................................................ 232
E02] Unacademy's other tests ...................................................................................................................................................................... 232
E02] Mock → Unacademy's own weekly Tests .................................................................................................................................... 232
E02] Unacademy Aspire test series - win amazon gift cash ................................................................................................................ 233
E02] Unacademy Championship test series ........................................................................................................................................ 233
E03] Mock → Paid Test Series by private institutes ................................................................................................................................ 233
E03] Should I join any paid test series for Prelims? ................................................................................................................................... 234
E03] some toppers claiming they solved 25000+ mock questions before prelims so should I solve that many questions? ........................ 234
How many number of prelim and mains mock test series should I appear before the exam? .................................................................... 234
E03] I am feeling demotivated after poor score in a Paid testseries .......................................................................................................... 235
E03] Now that only one month left before prelims how many e private mock test should I give? ............................................................... 235
E03] You are suggesting that go through previous years papers. How many previous years paper should I see? .................................... 235
E03] I am not interested in CDS/CAPF type jobs . But just to get the experience or warmup exercise should I Appear in their examinations?
................................................................................................................................................................................................................. 235
E04] Mock → Mains Answer Writing related FAQs ....................................................................................................................... 235
Should I join any private mains answer writing test series? ............................................................................................................. 235
Examine,Critically Examine,Discuss,Critically Discuss,Evaluate,Elucidate? .................................................................................... 236
What is constructive criticism? .................................................................................................................................................................. 236
Should I specifically write titles in the answer like "introduction", "body" "conclusion"? .................................................................... 237
Upto how many previous years question paper should I analyse?................................................................................................... 237
Should I buy any model answer book for mains? ............................................................................................................................ 237
Q. some toppers advising students to start mains answer writing from day1? what to do? .............................................................. 237
Q. When should I start doing Mains Answer practice?..................................................................................................................... 237

When should I start practicing essay writing ? ........................................................................................................................................... 238
How do I know what is a good answer / model answer? .................................................................................................................. 238
How can I write good introductions and conclusions?...................................................................................................................... 238
Q. Do I have to do answer writing on daily basis or from day1?....................................................................................................... 239
Q. Where can I find Qs for mains answer writing practice?.............................................................................................................. 239
How to develop critical thinking ability and logical connectives ability for the mains answer writing? ............................................... 239
Can I quote best selling authors like Robert Kiyosaki (Rich dad poor dad) or Chetan Bhagat etc? .................................................. 239
Q. I am unable to write good mains answers ................................................................................................................................... 239
How many points are required for a 150 word and 250 word answer?............................................................................................. 240
How to evaluate the mains Questions given in handout? / how do i send my answers to you for evaluation? ................................ 240
How many maximum marks may be awarded for a good answer in real exam? .............................................................................. 241
Doubt over word limit....................................................................................................................................................................... 241
Doubt over speed/time limit in answer writing? ................................................................................................................................ 241
How can I write the answer faster, I take lot of time in thinking :(? ................................................................................................... 241
My answers are not matching your model answer? ......................................................................................................................... 241
My answers are not matching anywhere up to toppers answer copies uploaded on website? ......................................................... 241
Should I write in paragraph or bullet? .............................................................................................................................................. 242
Should I memorize full forms for all organisations including small time organisations and schemes? .............................................. 242
English words in Hindi answer writing ....................................................................................................................................................... 242
How to improve spelling and grammar for the answers? ................................................................................................................. 242
Do I have to mention exact years of economic survey in my mains answers? ................................................................................. 243
Do I have to mention exact goal number of SDG? ........................................................................................................................... 243
How many questions do I have to attempt Satisfactorily in the UPSC mains exam to get selected? ................................................ 243
What to do for Essay Preparation? .................................................................................................................................................. 244
Where can I find list of essay topics for practice ? ..................................................................................................................................... 244
When will you cover the model answers for Mains GSM1-2-3 exam of 2020? .......................................................................................... 244
F01] Additional requests to teacher ......................................................................................................................................................... 244

How to contact you for educational doubts after this course is over .......................................................................................................... 244
How to study the latest budget economic survey and current affairs after your course is over ? ............................................................... 245
What to do for economy after the course is over? ..................................................................................................................................... 245
F01] please evaluate my Mains answer written by me! ............................................................................................................................. 245
What is unacademy iconic subscription and should I take it ? ................................................................................................................... 245
F01] I am unable to remember so many schemes please give me MindMap of schemes!.................................................................... 245
F01] subscription expiring sooner, please email me material ........................................................................................................... 246
F01] Please allow image upload facility in the Google form ............................................................................................................. 246
F01] Please Teach other subjects .................................................................................................................................................... 246
F01] Please teach Economics as an optional subject....................................................................................................................... 246
F01] Buyer's remorse: i think i should have joined "Y" institute instead of Unacademy!? ................................................................. 247
F01] Xyz Institute is claiming that 95% of the questions in prelims 2020 could be solved from their material only............................ 247
F01] How do I download an article of your website (Mrunal.org) in PDF format? ............................................................................. 247
F02] Live Class → Other Misc. queries .................................................................................................................................................... 247
F02] liveclass voting option not visible ................................................................................................................................................. 247
F02] Your teaching speed is much fast. I'm unable to keep up. ............................................................................................................ 247
F02] Chat box / comment box nuisance ................................................................................................................................................ 248
F02] Please change lecture timing to “X” day or “Y” hrs ........................................................................................................................ 248
F02] Please reduce the duration of your class. I cannot sit for 2 hours ................................................................................................. 249
F02] Please do not give any breaks. teach continuously for 2 hours just like some other educators ..................................................... 249
How can I ask you question after the course is over?................................................................................................................................ 249
F02] Piracy of your courses on telegram & elsewhere .......................................................................................................................... 249
18_ Feb_2021_Students'_Doubts
Scroll Down in the PDF File → FAQ Section
18/02/202 A01] Strategy/Planner/Time Management, Prelims-Mains-Essay
1 Pawan Sir I watched your lecture several time I start but complete Strategy, ARC report,toughness of Pre-2020 paper
14:06:27 pnp 2 3 nahi kar pta hu.....2022 dena hai exam.... A09] Others - demotivation, career backup etc
18/02/202 Scroll down in this PDF: FAQ Section: C00] Economy Course General
1 Hindi site ke student h apka notes hindi m provide ho jata
14:23:31 Seema 1 2 to humare liye bahut acha hota Doubts → C01] Economy Handout related queries, corrections in handout
18/02/202
1 Dikhu
14:36:37 mli 2 7 How to approach. this subject Explained in the lecture 1 itself
18/02/202
1 Prelims aur mains me Economics me kitne question aate
15:22:12 Hulas 2 2 hai ? Explained in the lecture 1 itself
QUERY 1 : sir plz tell how to prepare economics from ur
course ,which will start today....i mean what to do and
how to do from ur pdfs and lectures and how to memorize
them.
QUERY 2 : Sir im facing difficulty in understanding the

material(2 pdfs)u have shared with us recently i.e plz
interpret what is that.
QUERY 3 : Do i need to do anything else after completing

ur lectures??
18/02/202 Devan
1 sh QUERY 4 : Do i need to make short notes while attending
16:41:59 Singh 1 8 ur lectures?? Explained in the lecture 1 itself
18/02/202 Elizabe Sir mera question related hai time table se. Actually I was If you have completed this many subject then your preparation is on the
1 th.mari 1 4 completed geography, polity, history. Environment abhi kr right track. continue your momentum
16:46:04 am rhe hu sir mai. Mujse question to bn jattein hai. Lekin

50:50ratio hai sir. Scroll Down in the PDF File → FAQ Section
A01] Strategy/Planner/Time Management, Prelims-Mains-Essay
Strategy, ARC report,toughness of Pre-2020 paper
A02] Current Affairs
A03] Notes Making
A04] Revision
A05] Medium/Language
A06] Optional Subject
A07] Interview
A08] Age/Attempt/Cutoff/Medical Std.
A09] Others - demotivation, career backup etc

Namaste sir, I have start my upsc preparation from A01] Strategy/Planner/Time Management, Prelims-Mains-Essay
August 2020 and this is my 1st attempt. Most subjects are Strategy, ARC report,toughness of Pre-2020 paper
done but I haven't read newspaper and magazine or in A02] Current Affairs
other word not done current affairs part separately. Sir A03] Notes Making
please guide me from now how to handle C.AFF. part , sir A04] Revision
if I buy montly magazine then sir pratically along with A05] Medium/Language
main subjects it will become very difficult to complete all A06] Optional Subject
18/02/202 magazine......sir please give direction for C.AFF. A07] Interview
1 Gauri A08] Age/Attempt/Cutoff/Medical Std.
17:08:49 Raj 1 8 Thanks. A09] Others - demotivation, career backup etc
Sir I'm in last year of my Bachelor of Arts; preparing for So, your question is whether you should go for the post graduation in law
UPSC CSE2022 . I have covered Some portion of polity; subject or not? Well, this depends on your personal interest and desire
geography ; economy (but not yet done properly as for a career backup in legal field
demand of mains exam so, i cancelled to give exam of
this year2021). but some confusion arise--.i decided my If you do the post graduation in law than it also opens up opportunities to
18/02/202 shanta optional long ago but not started its preparation due to apply for the law officer exam in the banks it also opens up opportunities
1 nu there are no course on unacademy(only crash or to apply for the judicial services in various States If you are interested in
21:04:05 magar 1 8 Uncomplete). Till one month before i didn't decide those type of activities
weather i join Masters of Arts (PG) or not because in that

feild there are no scope. But now I wanted to create So please decide accordingly I wish you all the best!
background other than UPSC(due to sccuess rate).
please guide me.... my plan is to join LLB(3yr) through
MH-CET Law entrance and take LAW as a optional for
UPSC. (but, afraid of is this my decision is in right way or
wrong) # should I continue with Only focusing on UPSC
not on other .or # should i join history as my MA subject
and history in UPSC optional. or # should i try to join LAW
course and law as optional in UPSC (but it will lead to
delay my attempt). sir please reply me separately . ***
{one reQuest other than this query- please suggest pratik
nayak sir to take proper history optional courses . there is
no 1 proper course for history optional . all syllabus
scatterd in many GS+optional courses. full time waste}

A03] Notes Making
Sir, I am 27 years old and appearing for 2nd prelims in A04] Revision
2021, has completed paper 1 of my optional A05] Medium/Language
anthropology, and right now i am studying history, my A06] Optional Subject
concern is continuity and confidence sometime i feel like A07] Interview
18/02/202 quiting and going for a private job, and keep A08] Age/Attempt/Cutoff/Medical Std.
1 Adarsh procastinating about the job and what if i am not able to A09] Others - unable to focus in studies/ unable to
21:04:34 .b 2 8 qualify, please help sir how to be more focussed. remember,demotivation, career backup etc
Good evening sir,
Sir, I will appear in UPSC in 2022 but I want to do my best Scroll Down in the PDF File → FAQ Section
18/02/202 Akroor in 2021 as well for this what should my approach to A01] Strategy/Planner/Time Management, Prelims-Mains-Essay
1 singh complete the syllabus by Unacademy. Strategy, ARC report,toughness of Pre-2020 paper
21:05:05 kovid 1 8 Thank you sir A02] Current Affairs
A03] Notes Making

A04] Revision
A07] Interview
Scroll Down in the PDF File → FAQ Section → B02] Type of student:
Future student (2022,23)
Pranid
18/02/202 hi Am an non economic background. Am little confused
1 Maring about how to prepare for economy and how to remember Complete this entire course on economy and you will be come equipped
21:16:53 anti 2 3 the things and how to link the topics for it
sir i completed economy long ago but i need to revise and If you can finish something by reading it for 20 minutes then there is no
18/02/202 i didnt attend your previous batch ..should i join the point in watching its video for 40 minutes so if you have already attended
1 sayand present batch or should i complete revision by my own? my course in the past then simply you revise the handouts that were
21:17:13 ip 1 8 im appearing for 2021 given to you
CDS,CAPF,SSC,State PCS
18/02/202
1 Sir, which all exams have similar syllabus like upsc to do When does their notification come please do the Google search and you
21:18:21 Akshat 1 8 before pre and their timeline... will find it easily
How to download handout?
https://unacademy.com/course/mrunals-economy-course-for-upsc-
prelims-mains-2021-63/BYTRF4K9
Goto above link, Click on updates tab → Side bar will open from the right
side → you can download the PDF files . Within that right hand sidebar →
18/02/202 scroll down to download older handouts.If using mobile app then maybe
1 Heera Guruji pranaam, aapke economy ke saare handout kaise
21:18:45 Thakur 1 8 aur kahaa se download kare?? the interface different. within the mobile phone download Chrome
browser → open the website in it → in the settings button click on "Show
desktop version".
For more,
Scroll Down in the PDF File → FAQ Section → C00] Economy Course
General Doubts → C01] Economy Handout related queries, corrections in
handout
Economic aspects of agriculture such as minimum support price,

subsidies, agriculture export, agriculture development related schemes,
Sanskr food processing industry for mains paper 3 will be covered
18/02/202 iti
1 Agarw Sir...is this course includes full agriculture Traditional agriculture related matters like various types of irrigation
21:19:01 al 1 8 syllabus....please answer...Thank you! various types of crops etc will not be covered
2024 attempt = i'll suggest u to focus on your college studies and strive to
Sir actually Maine subscription liya hai 2yrs ka and in 27 get at least first class in all the semester exams. Because In some of the
18/02/202 Ankit may it will be end and I have to give my 1st attempt in non IAS exams such as RBI, CAT, AFCAT (Airforce) etc They require
1 Pande 2024 so how I will update value added material such as certain minimum passing marks in the graduation. So do not neglect your
21:21:40 y 1 8 budget, current topic etc in ur course for 2024 college studies.
18/02/202
1 suraj
21:25:25 kumar 1 8 what to do in handout sir? Just read and revise after my class is over.
18/02/202 Scroll Down in the PDF File → FAQ Section → C00] Economy Course
1 Arpit Will you cover Budget and Economic Servey in this
21:34:05 Jain 1 2 course ? General Doubts → C03] Economy - general doubt → others
Sir, I had attended the June-Sept batch of 2020(all the In that case revise your old batch handouts and watch the updates in
18/02/202 classes live). I won't say that I got a decent rank in your Win21.No need to sit through the entire course again
1 tests. I would get an average of 60 rank in your tests. I
21:34:30 Neel 1 8 was a beginner then so I had to struggle a lot to
understand the concepts and learning economy

concepts(I gave 5 hours everyday to economics including
attending your classes). I could hardly get the time do the
mains questions that you would give us. After September
I could not revise economics as I had to finish other
subjects along with college studies so I hardly remember
anything now. Considering these situations should I
attend your classes in this batch or watch the win series?
I am planning to give 2021 prelims just to see how much I
can score ( I have finished the concepts of
economics,polity, geography and environment, doing
history now) as I am still a college student and I don't get
enough time to study for this exam.
Sir , good evening .
Sir , i had attend your previous batch of october and

january month.
Sir , when you will start win21 series or i have to joined

this batch again. Pls suggest.
Sir , your previous batch notes is sufficient or i have to

need to read any book.
18/02/202 Sir i will give exam next year.sir suggest me. Scroll Down in the PDF File → FAQ Section → B01] Type of student: Old
1 Krishn
21:42:22 a 1 3 Thank you sir. student/Previous Batch student
Minimum age required / age limit

general rule is You need to be 21 years old on the 1st August of the
18/02/202 given year for the UPSC CSE exam.
1 Krisha go to this site
21:46:01 n saini 1 8 Sir my dob is 2august2001, mai 2021 prilims de sakti hu https://www.calculator.net/age-calculator.html
enter dates
calculate age,
if it is showing something like "20 years "X" months and "Y" days" = then
not eligible.

A03] Notes Making
A04] Revision
A07] Interview
18/02/202 Sir A08] Age/Attempt/Cutoff/Medical Std.
1 Raj Take which subject in the optional in which scoring A09] Others - unable to focus in studies/ unable to
21:48:31 kumar 1 8 became good compares to other subjects. remember,demotivation, career backup etc
Previous batch handout does not contain all the updates then you will
have to update it with Win 21 series if you are willing to go through that
cumbersome process then you may do so
For more,
Scroll Down in the PDF File → FAQ Section → C00] Economy Course
18/02/202 General Doubts → C01] Economy Handout related queries, corrections in
1 Neha Sir, i can't take handout every Thursday...should i take
21:48:49 Mishra 1 8 printout of previous batch pdf? handout
My lecture, its powerpoint, and handout covers economy both for prelims
18/02/202 Jayade Economic ka Kan sa book follow karonga. Economic app and mains in a comprehensive and revision friendly manner. Economy's
1v Jo padhatia he Uska PDF to book ka format me nehi he. exam-worthy points from all the notable sources such as NCERT,
21:54:03 sahoo 4 9 Without book me kese padhenge. competitive exam books like Ramesh Singh, Sanjiv Verma, budget,
economic survey, newspapers = embedded within your handout. so no

need to separately refer to those things- Just read and revise the handout
multiple Times.
However, You will have to do some supplementary reading of Yojana and

Kurukshetra magazine by yourself for getting better vocabulary for the
mains answer writing.
For more, Scroll down in this PDF: FAQ Section: C00] Economy Course
General Doubts → C02] Economy booklist/reading list
With regards sir, i am here to ask a suggestion from you
about Geography Optional course. I am unable to wind up
18/02/202 things as far as geo. Optional coaching is concerned.Can
1 Ayush u please suggest me the teacher i can opt for Geo.
21:54:12 maan 1 8 Optional. @unacademy. Scroll Down in the PDF File → FAQ SectionA06] → Optional Subject
My lecture, its powerpoint, and handout covers economy both for prelims
and mains in a comprehensive and revision friendly manner. Economy's
exam-worthy points from all the notable sources such as NCERT,
competitive exam books like Ramesh Singh, Sanjiv Verma, budget,
economic survey, newspapers = embedded within your handout. so no
need to separately refer to those things- Just read and revise the handout
multiple Times.
However, You will have to do some supplementary reading of Yojana and

Hlw sir I m from jammu Bless to getting a best educator Kurukshetra magazine by yourself for getting better vocabulary for the
like you sir i m from average background B. a... And sir mains answer writing.
18/02/202 economy seems to tough for me.. So plz sir suggested
1 me which basic books should I need to Read..???? Plz sir For more, Scroll down in this PDF: FAQ Section: C00] Economy Course
21:57:31 Danish 1 7 ur reply will be benficial for me so plz sir suggest thnku General Doubts → C02] Economy booklist/reading list
18/02/202 Sajith Sir, when i saw the class structure of your june 2020
1 ali economy batch which ended on sept 2020 on Prelim exam coming near so I will have to finish the batch faster that's
22:03:57 shaik 1 7 unacademy, it had 58 classes and 15 quizzes which totals why
73 lessons. In this feb 2021 batch, there are 51 classes

and 13 quizzes which totals 64 lessons. Is there any
particular reason for the reduction of number of classes
sir? Pardon my ignorance for asking this question. Thanks
in advance for the answer!
Respected sir, mai abhi college mai hu but economics
pehle nhi padha h abhi (Ba) kr rhi hu but college m
18/02/202 79DOV Corona k chlte padhai nhi ho paa rhi h , mai 2023 mai Scroll Down in the PDF File → FAQ Section → B02] Type of student:
1 1VTM upsc exam dene vali hu, kya mujhe feb18 2021 vala
22:04:03 BIO 1 8 course krna chahiye?? Future student (2022,23)
Sir I am a working professional (Oracle Database

Administrator in Indian Air Force) working in defence for
the last 12 years. Sir kindly bless me that i shall clear
18/02/202 UPSC 2021. I don't get enough time to study. I am Scroll Down in the PDF File → FAQ Section
1 preparing for the last 1 year. I need your guidance. Please A01] Strategy/Planner/Time Management, Prelims-Mains-Essay
22:05:06 Rajesh 2 8 help me Sir how can i manage the time. Strategy, ARC report,toughness of Pre-2020 paper
In a given day you should not be watching more than five hours of video
and if you want to finish the courses sooner then you should read the text
more and watch videos less.
For more,
Good evening sir .... January me academy join Kiya hu

18/02/202 Mera coarse compiled Nahi huwa hh (but job parson hu) Scroll Down in the PDF File → FAQ Section
1 Deep muje 24 hours me kitne online class attend krna chaye A01] Strategy/Planner/Time Management, Prelims-Mains-Essay
22:05:20 Chand 2 8 Jise prelim exam 2021 de pahu Strategy, ARC report,toughness of Pre-2020 paper
Yes! in that case you have a fighting chance provided that you manage
your time wisely
Sir upsc 2020 was my trial attempt
This year is my serious attempt
For more,
18/02/202 Sir I have completed geography 70%; history ;
1 Himadr environment ; polity will complete till March and optional
22:07:28 i sahoo 2 8 till April. Do I have chance to clear upsc 2021 ? Scroll Down in the PDF File → FAQ Section

one line answer is: use handout of your batch + extra economy current
affairs updates will be given Win21CSP seriesn
https://unacademy.com/a/mrunals-economy-win21csp-upsc . No need to
sit thru whole course again.
For more,
18/02/202 Scroll down in this PDF: FAQ Section → B00] Admission →B01] Type of
1 Pratha Sir, I have PCB-2 Batch Handouts. Do I need to download
22:09:06 mesh 1 8 handouts of this batch as well? student: Previous Batch student
Hello sir, I am currently enrolled in IGNOU BA programme

and it is my last year of graduation and I have opted for
economy in the final year and the course code for it is
EEC 11 (Fundamentals of Economics), my ulterior motive
to opt for this course in IGNOU was because I thought the
syllabus would be somewhat similar to the course of
UPSC-CSE economy, but when I checked the study This course is targeting the competitive exam so I cannot teach all those
material of IGNOU, it actually had many complex academic concepts that are coming in the IGNOU study material
concepts of micro and macro economics with graphs and because they are not important for the scope of UPSC exam nonetheless
all which weren't in accordance with the UPSC CSE you need not stress out I will advise you following
syllabus. This realization of my blunder mistake has
stressed me out and I am not able to understand what to
do and how to cover the syllabus for IGNOU EEC. Kindly Download last 5 years IGNOU question papers and memorize only those
guide me regarding this issue and also specify would you many questions from your particular study material of IGNOU EEC11
be covering core concepts of economics in your course
(with the explanation of graphs and all) So easily will be able to get first class so do not stress too much about it
Thanks and regards.
Because usually they just keep repeating the same question papers of
18/02/202 PS last 5 years
1 this is the link for the IGNOU EEC11 study material ->
22:12:48 Tapan 1 8 http://egyankosh.ac.in/handle/123456789/3387
MONA
18/02/202 LISHA
1 Choud
22:26:47 hary 1 8 Sir is this course for aspirant of 2022 Yes! if you are attempting 2022 complete this course
18/02/202
1 My doubt regarding acts like labour's act, companies act
22:30:41 Rajesh 2 4 &industrial laws ,please explain these also sir They will be covered in Pillar #4B
1/1/2020 onwards
For more,

1 sukany i am appearing for 2022 prelims ,from where i should start Strategy, ARC report,toughness of Pre-2020 paper
23:20:07 a d 1 8 covering current affairs ...from 2019 or 2020? A02] Current Affairs
abhish
ekchau
hanlast
18/02/202 ofus@
1 gmail.c sir mukesh ambani's "1" share and anil ambani's "2"
23:20:25 om 1 7 shares are fungible in value? No! they are not fungible
It depends on whether your particular course subject teachers have

started their course at present or are they going to start it in future
18/02/202 ssham; Regarding Optional Preparation (Attempting for 2022): So decide your timetable accordingly so you can enjoy your maximum
1 Shreya Would you recommend starting right way or completing Synergy between your self preparation as well as the unacademy
23:21:14 S 1 8 the core GS subjects first? courses
For more,

A03] Notes Making
A04] Revision
A07] Interview
18/02/202 prajjwa
1 lmadhu
23:21:24 sudan 1 1 what is dividend and what is debantures ? We will see that in pillar 1C
SWAS
TIKA SIR I FOUND FOR YOJANA MAGAZINE ON ITS
18/02/202 CHAK OFFICIAL SITE OF GOVT BUT THE SITE SHOWED ME
1 RABO THAT SEVICES ARE NOT FOUND MEANS ERROR
23:23:05 RTY 18 NOW WHAT SHOULD I DO Try again at a different time if the server is showing error
Respected Sir, When should I start my optional
preparation for Anthropology if am going to appear for Scroll Down in the PDF File → FAQ Section
2022 exam, and sir can you please suggest me any good A01] Strategy/Planner/Time Management, Prelims-Mains-Essay
18/02/202 Ashuto coaching for Anthropology optional in Delhi as I resides Strategy, ARC report,toughness of Pre-2020 paper
1 sh here, if any. A06] Optional Subject
23:24:08 Dubey 1 8 Thank you Sir
18/02/202 Sir is course m pura pre nd mains cmplte ho jaega. Other
1 sources use krne ki jrurt ni h. Nd current affair ka smjh ni Yes! this course is completely covering the economy for prelims and
23:24:36 Rohit 1 1 aa rh kse cmplte krna h. mains

hlo sir my name is Siya Pandey n m student of ur Strategy, ARC report,toughness of Pre-2020 paper
economy classes on unacademy. I started to preparing A02] Current Affairs
UPSC CSE since last September 2020 m confused about A03] Notes Making
18/02/202 Siya my optional sir I can't desided that which subjects i take A04] Revision
1 Pande as optional who helps me to crack upsc 2021.plz help me A05] Medium/Language
23:27:57 y 1 8 sir A06] Optional Subject
8357p
oonam Scroll Down in the PDF File → FAQ Section → C00] Economy Course
18/02/202 verma General Doubts → C01] Economy Handout related queries, corrections in
1 @gmai Sir plzzz Hindi medium ke liye alg se pdf provide krayen
23:31:22 l.com 2 8 plzzz handout

A03] Notes Making
A04] Revision
should we make notes from newspaper ?? because some A05] Medium/Language
topper had said that this is important during the mains exam
18/02/202 A07] Interview
1 Nishan cycle, आशय है कि topic wise notes is important or not from A08] Age/Attempt/Cutoff/Medical Std.
23:39:34 t 1 8 newspaper?? Plz clear A09] Others - demotivation, career backup etc
19_ Feb_2021_Students'_Doubts
Dear Sir,
Feel blessed to be a part of your course and have come here after
being an avid listener of your YouTube CA Series. I only wish to
have signed up on Unacademy Plus earlier. Thanks to your FAQ
Sheet - my concerns about job continuation, daily planner for
working professionals and effective utilisation of CA Magazines,
have been answered. Thank you for being so thoughtful and
helpful.
Although, I would be extremely grateful if you could please advise

me on the below:
Roughly 130 days left for Prelims (I am done with 3 Core subjects
80-100%, namely - Polity, Geog+EVS and Geog Optional (70-80%
done) along with Ethics) but have not touched upon Economy,
History, SnT and CA. This is my first stint at video lectures and
considering the paucity of time due to job along with the advise
from my seniors to practise Geog Optional MAINS answers daily Thank you for your compliments and kind words!
from Guidance IAS 500+ Course until March end (as I haven't
practised sufficient no. of answers), I am confused how to prioritise To gain a command over the geography optional subject you will
and I thus seek your guidance to plan the way forward, in my have to revise it multiple times and therefore it is advisable that
preparation. you finish it sooner so you can revise it more number of time
GIST: I seek your advice on: Shall I stop Optional Prep / Answer As far as the pending subjects are concerned
Writing by Feb end instead of March end and focus fully on Prelim
(History, SnT, CA part) starting March 1st? Such as history, science, technology you will have to make a
19/02/202 @hem strategy where you watch less number of videos and read more
1 antwa Looking forward to your response and hope to make the most of number of text to cover the more ground faster it is challenging but
00:20:52 dekar 2 8 this wonderful course, Sir! not impossible. I wish you all the best !
Sir i goin unacademy on start of november 2020 and i shaw your

last batch offline lecture which was end on 9 fab 2021 and i reach
up to SHEBI SHARE MARKET, sir i have to appear for 2022
prelims.
Sir did i continue with those of offline lecture or i just again start
attending this new fresh batch.
Parden me if my question is irrelevent.

19/02/202
1 Sobhn Thankyou sir In that case start attending this course after I am finished with the
00:44:19 a 1 8 You just make economics so easy for us. Pillar 1C
Please refer to the strategy given in this article:
https://mrunal.org/2020/11/upsc-prelims-answerkey-2020-
environment-biodiversity.html

19/02/202 Adarsh Sir enviroment or science ke current affairs kaise prepared A01] Strategy/Planner/Time Management, Prelims-Mains-Essay
1 kurariy kare...ye monthly magzine waale bhut saara faltu ka daalte hai or Strategy, ARC report,toughness of Pre-2020 paper
00:48:54 a 1 8 mujhe 2021 mai prelimes dena hai plss suggest me A02] Current Affairs
It is sad that teacher is asked to give proof like this nowadays
Teaching profession has become like selling motorcycle in a

showroom. Customer asks: how much average is given tell me?
chetan Anyways here is the answer:

kshirsa
19/02/202 gar000 https://mrunal.org/2020/10/upsc-prelims-answerkey-2020-
1 2@gm Sir, how many questions of prelims and mains can be solved from economy-all-sets-topicwise-explanation.html
01:55:35 ail.com 1 8 your handouts and classes? (Approx average till this year)
When the customer is asked by NSO? how much private

Sir, In HDT P.NO. 569, PCB2 BATCH, For calculation of GDP by consumption have you done he may not be fully aware whether
expenditure method- in the consumption section we have included the item that he purchased was a India made item or foreign made
imported items also. But sir in the export - import section we have item therefore later on we subtract the import data based on some
19/02/202 Aditya subtracted items we have imported. Sir both the things cancel out other government data available from director general of foreign
1 chauh Each Other as per my dumb judgement. Please tell me where I am trade that's why in the beginning we add it in the private
02:18:05 an 1 4 making mistakes. consumption and later on we subtract it those imports
Sir my question relates to page number 572 of the handout PCB
19/02/202 Aditya batch 2. Hear in GDP calculation in real life via income method the
1 Chauh conclusion you arrived at was GVA at factor cost. it should be
03:57:45 an 1 4 GDP at factor cost. Am I right sir or I am making some mistake Please go through the video lecture
anupa
mojha Scroll Down in the PDF File → FAQ Section → C00] Economy
Sir i have ramesh singh(English) book for economy, which i bought
19/02/202 1056 Course General Doubts → C02] Economy reading list etc,
1 @gmai last month but i never read it , so what i have to do read it or leave
07:46:49 l.com 1 1 it & My basics in economy is zero. plz guide me sir Economic survey, Yojana-Kurukshetra
BHAN
U
PRAT
19/02/202 AP
1 PATK sir ji namaste, aapne wo jo excel file dikhae thi jisme prelims ko It is advisable that you prepare excel file by yourself only then you
08:31:50 AR 1 8 topic wise analysis kra h , kya wo mil skti h , overview lene ke liye will get the command over that particular strategy
No need to make notes from my hand out because the hand out
itself is in the form of a note
Just revise it often
For more,
19/02/202 sir m harpreet singh plus student . now m working in Punjab Police
1 er_cha as a Constable . sir my question is Sir Notes sath sath bannne a ja
09:14:00 hal 2 8 handout se pdh le ... Scroll Down in the PDF File → FAQ SectionA03] →Notes Making
19/02/202 nirmay 1 3 sir is there any sector where only FPI is allowed not FDI? In the debt instruments
1 98
09:15:55
19/02/202
1 Prince
09:54:43 yadav 4 1 Mbfi Money Banking Finance insurance
on 31st dec apse motivate hokar unacademy KA 1 YR
subscription liye
Sir hm 2022 k liye prepare kr rhe h hmko time management or

course se related kch doubt hai jo general condition se alg h agr Your first question is about how to finish the course
ap thoda help kr dnge to bahut aasan ho jayega mere liye efficiently within limited time
1.Sir hm 28 dec wala batch join kiye h us hisab se pura pura batch Standard rule of thumb is
k upar rely rhe to pura syllabus ka sbkch cover ho jayega kya ya fir
seperate seperate v join kr lena cahiye hmko~? If you can understand something by reading the text material in 20
minutes then do not waste time sitting through 40 minutes of video
2.generally roj 3 class kr rhe h ajkl 2 g.s or 1 optional to usme 6-7

hr time ja rha h sirf lectures me uske bad sbke liye 1-1.5 hr v self Scroll down in this PDF: FAQ Section → A00] General→ You will
study kr rhe hai to 9-10hr total ho ja rha h utne tym me ek subject
ka revision hota h to book reading reh ja rha h or book reading krte find the answer among the questions mentioned there.
h to revision to hmko smjh nhi aa rha hai ki time kaise adjust A01] Strategy/Planner/Time Management, Prelims-Mains-Essay
kre..... Strategy, ARC report,toughness of Pre-2020 paper
Optional ka v class krna avise majburi sa h qki PSIR optional me v Your second question is about masters in Political Science
rkhe h or parent force kr rhe the to M.A me enroll krna pra to M.A
19/02/202 me v psir rkhe h or uska exam hoga JUNE 2021 me to isliye wo Assuming that you are doing it from IGNOU simply download last
1 kautily pdhna v compulsory jaisa ho ja rha h sir kaise adjust kre thoda 5 years paper and memorize only that many questions easily you
10:54:45 a 1 8 help kijiye will get first class so there is no need to fear about it
19/02/202 Purnim Hello Sir. I'm preparing for RBI Grade B exam. Sir recently new
1 a exam pattern has been introduced in RBI exam for Phase-2 and it
11:12:12 Prasad 1 8 has descriptive writing. How to approach descriptive answer Past topper Strategies for RBI exam
writing for this exam? https://mrunal.org/2017/04/strategy-rbi-officer-booklist-cutoff-

shivang-bhanvadia.html
https://mrunal.org/2016/07/strategy-cutoff-rbi-grade-b-officer-
exam.html
Tell me something about the SEBI officer mains exam?
I have not seen its past papers so it is difficult for me to comment

on it strategy but if you have completed the entire course then go
through the previous papers automatically you will get of idea how
much more preparation is required in addition of our handouts. I
19/02/202 Aniket Sir I have attended your previous batch of economics , I have think they may be asking little bit more from the financial market
1 Shaury successfully cleared prelims of SEBI grade A plz guide for mains and you may have to prepare it from book on financial markets by
11:28:50 a 1 8 ,the exam is on 27th Feb. professor Bharti V Pathak or for some internet material
19/02/202 Akank Sir I'm an Odia and I want to take Odia as an optional . You said Then in that case maybe they are not uploading the pdf please see
1 shya try to get yojna magazine of your language but I couldn't find that if they are offering the subscription of the paper-based magazine
12:29:25 Mund 1 8 in Odia sir . What should I do ? in the Odia language then you may subscribe to it
Yes you may explore that option there is no harm in that
For more,
Sir, I'll be appearing in 2022. I am thinking of taking Economics
19/02/202 AnkitS optional. I decided that first I'll complete this course to develop a
1 harma- base and then I will go for the economics optional. Is this a right Scroll Down in the PDF File → FAQ Section → A06] Optional
12:58:47 7383 1 8 approach or will you suggest me otherwise..??? Subject
Once upon a time I did not have enough money to renew the
server subscription so they deleted my files and so I have lost
them and later on my hard disc also got corrupted so I am unable
to recover those things at present however if you are just looking
19/02/202 for the IGNOU BA and material of political science you can
1 Akshat Sir, the PSIR optional material on your site (mrunal.org), the link is download it from the the IGNOU official website known as
14:13:32 Moga 1 8 not working, unable to download.... egyankosh.ac.in
Many interview candidates have the similar level of profiles that

they do not have any job experience and completely doing the
UPSC studies for 2 to 3 years because the nature of competitive
exam is such that it requires full time preparation so it is inevitable
that some students will have empty years in their biodata and yet
they have cleared the UPSC exam because even UPSC
interviewers know that thing. so there is no need to live under
some type of inferiority Complex that what will I say and what will I
do? if they ask me such question when the simple answer is so =
I was preparing for this exam and that's why I have the blank years
in my biodata because if I opted for a job I may not have been able
to prepare fully for this exam
Anime Sir I am in 8th semester , and left my all my job opportunities and
19/02/202 sh have started preparation for upsc , so if I reach to interview round ,
For more,
1 bhard then are they going to ask me question related to my option of
14:38:53 waj 1 8 preparation of upsc and not going of an experience of job. Scroll Down in the PDF File → FAQ Section A07] Interview
19/02/202 i have done all subject with one revision except economy but did Scroll Down in the PDF File → FAQ Section → E00] → E04] Mains
1 syed not start mains answer writing. if any advice u could give me for
15:18:55 faraz 1 8 prelims and mains it would be helpful. Mock Test/Answer Writing
19/02/202
1
15:29:05 Jrm 1 1 Answer not present here in handout So what is your question?
Sr i am preparing for 2022, bt i printed all notes of prvious course
of economy, sr to es course ke pdf sme honge ya kch difference
Sawari honge, to phir 2022 ke budget & economic survey & IYB ke notes
19/02/202 ya088 apke notes me kaise incoprate krenge, plzz suggest sir, ya koi The short answer is Win21, Win22 series
1 @gmai upcoming economic course for 2022 ke liye wait kre sir,, plzz For more, refer to lecture 1 on frequently asked questions about
15:54:51 l.com 1 1 suggest, this course
19/02/202 Ramg
1 opalbu
16:01:00 ndela 3 3 Pre+mains Yes! this course is covering the economy for prelims and mains
Complete this course and you will get the grip over economy
My lecture, its powerpoint, and handout covers economy both for

prelims and mains in a comprehensive and revision friendly
manner. Economy's exam-worthy points from all the notable
sources such as NCERT, competitive exam books like Ramesh
Singh, Sanjiv Verma, budget, economic survey, newspapers =
embedded within your handout. so no need to separately refer to
those things- Just read and revise the handout multiple Times.
However, You will have to do some supplementary reading of

Yojana and Kurukshetra magazine by yourself for getting better
vocabulary for the mains answer writing.
Good evening sir!!!!
Blessed with such a great economy teacher... Sir as a science For more, Scroll down in this PDF: FAQ Section: C00] Economy
19/02/202 background student ... I have problems in basic of economy..... My Course General Doubts → C02] Economy booklist/reading
1 Ajaz question is how i clear economy basic ? Is it necesary to read list
16:38:12 Ahmed 1 8 ncert or i should fallow your course only for 2022 attemp.....
19/02/202
1 sir, will you provide solution of mains 2020 (GS-1,2,3,4) in text
16:57:51 raj 1 8 (word or pdf) form @ mrunal.org Yes! I will do that when my schedule gets clear
Hello Sir. I have 4 questions.
Q.1.) Is Budget and Economic Survey important only for prelims or
for Pre+Mains both?
Q.2.) Do we have to read introduction and conclusion of every
chapter of both the volumes(1&2) of economic survey, or just
Volume 1?
Q.3.) Do we see Barter System anywhere around the world in
today's time? 1. Both Prelims and mains
19/02/202 Q.4.) Why is exactly metals like gold, silver fungible and diamond 2. Only volume 1
1 Nama not fungible? Still didn't get the main point. 3. Possible in some tribal societies of the Amazon jungles
17:12:33 n 1 1 That's all. 4. Please go through the video again
Scroll down in this PDF: FAQ Section → A00] General→ You will
19/02/202 Ishita find the answer among the questions mentioned there.
1 sangw Sir my only ques is How to be CONSISTENT?? i hve joined ur A09] Others - unable to remember,demotivation, career backup
18:22:36 an 1 9 earlier course also but didnot completed. Pls tell any formula. etc.
Yes you can write such words in the Hindi devnagri script
sir ! I am a hindi medium student but whenever I practice of mains
For more,
answer writing , I do not remember some words related to economy in
bhedik
Hindi ., so can I write them in Devanagari Script in the answer of mains?
19/02/202 a Scroll Down in the PDF File → FAQ Section → E00] → E04] Mains
1 kashmi शेयर होल्डिंग, gilt edged securities -गग्ट एज्ड सिक्यूररटीज ; ...जैिे tough
18:34:04 re 2 1 words Mock Test/Answer Writing
Sr u r biggest symbol of honesty big fan sr a doubt i want to ask

19/02/202 RELATED PREPERATION i have completed my optional Scroll Down in the PDF File → FAQ Section
1 (geography) and attempting in 2022 what should be my NEXT A01] Strategy/Planner/Time Management, Prelims-Mains-Essay
18:51:01 Dev 1 8 APPROACH Strategy, ARC report,toughness of Pre-2020 paper

A03] Notes Making
A04] Revision
A07] Interview
A09] Others - unable to focus in studies/ unable to
19/02/202 remember,demotivation, career backup etc
1 Hari Sir, I am your previous batch student and could you please tell
19:28:18 om 1 8 what 2 current affair maxine we have to study
Scroll Down in the PDF File → FAQ Section → B01] Type of
student: Old student/Previous Batch student
Sir I am in the last year of the degree.Usually final year exams will
be conducted in may that is before prelims but this time around
exams would be held in july(due to corona) that is after prelims.
Will Upsc give any concession for such students if results were not
19/02/202 released before last date of application.
1 It is difficult for me to speculate what UPSC will do at this stage so
20:05:48 Sai s 1 8 Will upsc keep in mind of such students? we only have to wait for the notification
If Gujarati language is your mother tongue then you may explore
Gujarati literature otherwise Hindi literature if you have studied the
schooling in Hindi medium
For more,
19/02/202 Raj
1 Sutariy i am from gujarat. please guide me for optional which optional is Scroll Down in the PDF File → FAQ Section
21:00:12 a 1 8 best hindi literature or gujrarti literature . A06] Optional Subject
My lecture, its powerpoint, and handout covers economy both for
prelims and mains in a comprehensive and revision friendly
sources such as NCERT, competitive exam books like Ramesh
Singh, Sanjiv Verma, budget, economic survey, newspapers =
embedded within your handout. so no need to separately refer to
those things- Just read and revise the handout multiple Times.

sir greetings of the day Yojana and Kurukshetra magazine by yourself for getting better
19/02/202 sir i wanted to know that for economy prelims and mains handouts vocabulary for the mains answer writing.
1 farhan are sufficient ,iam planning to appear this 2021 prelims i just
21:03:07 a shaik 1 7 started my preparation For more, Scroll down in this PDF: FAQ Section: C00] Economy
Course General Doubts → C02] Economy booklist/reading

list
Do I need to make notes from your handout?
Some teachers require you to make notes from their classes but my
method is different. I am directly giving you revision handout note in
PDF format so you are spared from that time and effort. आपने खुद िे
नोट नहीिं बनाने हैं मेरे लेक्चर handout ही खुद नोट है .
Handout itself is a revision note. There is no need to do double
19/02/202 labour by making a note out of the note. Simply revise it often.
1 Parbati Similarly Laxmikant is a revision note. spectrum history book is a
21:06:03 singh 1 1 Running notes necessary or not revision note. just read them, without making notes.
It depends on how much of the subjects you have completed so
far
Please go through lecture number one of this course For more,
https://unacademy.com/class/economy-introduction-faq-about-
course-upsc-prep/K3OUQDGN
Samrid
19/02/202 dhi
1 Chaur sir i could not complete my syllabus by now. should i give 2021
21:21:42 asia 1 8 prelims???
Vaisha
19/02/202 li
1 sharm
21:21:51 a 1 6 Sir can u explain dis pls sir What is your question?
19/02/202 Akhil. Sir please give some tips related to current affairs monthly
1 Boddu 2 7 magazine, like in which areas we should focus more in monthly
21:24:21 magazine because magazine consists more pages and please Scroll Down in the PDF File → FAQ Section → C00] Economy
take one economy batch in English because some students like
me are from telugu states and we are following your classes and Course General Doubts → C03] Economy - general doubt →
PDFs and facing some difficult to understand in Hindi language others
and it is humble request from our side . Thank you sir
Sir, you have taught about debasement of Coin in Akbar and
19/02/202 Aurangzeb, since Auranzeb was declining so he debased the coin.
1 Karan Av k time mein 5 rupee k coin mein debasement hui hai uski kya Because the Bangladesi smugglers were taking our 5 rupee coin
21:55:34 Kumar 1 1 wajah hai? to make the blades so it was a loss for the Government of India
19/02/202
1 chand sir can you please provide mains questions once you finish
22:10:01 ana 1 7 explaining a topic for answer writing practice. Please see the Sunday lecture conducted last week
Dear Sir,
I have attended your Feb-May 2020 Batch. For Prelims 2021,

Would you suggest following both WINCSP20&21 or just
19/02/202 WINCSP21 would suffice?
1
22:10:28 visalm 2 7 Thank you. both WINCSP20&21. you should see
19/02/202 Shaik Sir, "all coins and one rupee note are legal tenders" is it claimed in
1 Mazah "coinage act"? As RBI act of 1934 states "2-2000 notes except 500
22:25:04 ar 1 1 and 1000 are legal tenders". Yes that is correct
19/02/202 ansh
1 sharm sir although cheque is issued by central bank and it is also in It is not Fiat money because it is not in the shape of coin or
22:31:58 a 1 1 physival form then why it is not the fiat money currency
Sir I joined June 2020 wala batch of your economy,but I didn't You have two options
complete it..so I'm joining this new Feb wala batch again from Old batch handout + WINCSP20&21
starting..
19/02/202 I have taken printout of handouts of June wala batch till 4th piller.. Alternatively
1 Umesh 1-Will those printouts be beneficial for this course also? the latest batch which comprehensively has all of above things.
22:40:18 jaiswal 1 1 2- or should I watch that old June wala course because that
handout will be beneficial only for that batch only..?
19/02/202 Yash
1 Khand
23:32:16 elwal 1 1 I have attended win csp 20 series . should i watch Page 1 of this FAQ file refer to the poster
19/02/202
1 Karan
23:32:52 Kumar 1 1 Can we say conversion of Paisa in Rupee, as redemonination? No! that is is not re-denomination
SWAS
TIKA
19/02/202 CHAK
1 RABO SIR CAN WE SAY THAT COMMEMORATIVE COINS ARE
23:38:21 RTY 1 1 SOMEHOW SIMILAR TO THE FULL-BODIED COINS? Yes you may say that
You have two options
Sir, I am watching ur course (Ended SEPT 24 and which consist of Old batch handout + WINCSP20&21
19/02/202 58lessons) ..
1 And i completed till Pillar#1A2..Should i continue the old course or Alternatively
23:40:57 D 1 1 Do I need to enroll for this New one the latest batch which comprehensively has all of above things.
RBI Central Board will recommended to government of India and
then Government of India will notified but because in RBI Central
Board ultimately the favourite people of the government are sitting
HIMA so they will say what the government wants them to say so
NSHU ultimately the government is getting the things done as per its wish
19/02/202 KUMA Hello sir, My doubt is # Demonetisation was done on the advice or but for the sake of formality they have to do it like this first RBI
1 R recommendation of RBI or was it the complete discretion of Union Central Board will recommend in writing and then government will
23:42:04 SINGH 1 1 council of ministers(UCOM)..DOUBT from lecture no.2 notified about demonetisation
19/02/202 Sheez Sir Ji aap bhut bhut Achcha pdhate h
1 a Me aap Ki fen hu
23:42:28 siddiqu 1 9 Thankyou very much sir ji You are most welcome, Sheeza!
Sheez
19/02/202 a Sir Ji aap bhut bhut Achcha pdhate h
1 siddiqu Me aap Ki fen hu
23:42:51 i 1 9 Thankyou very much sir ji Replied in previous cell
Assuming that you have completed my entire course in the
previous batch then simply revise it and update it with Win21
series
There is no need to sit through the entire course again
For more,
Sir, I have started prepration last year, but it got discontinued as I

19/02/202 am a working professional . I have done your economy and half of Scroll Down in the PDF File → FAQ Section
1 Pooja polity course. Do you feel , I start full fledged now, i will be able to A01] Strategy/Planner/Time Management, Prelims-Mains-Essay
23:46:16 Kumari 1 8 do it . What should be my approach and strategy ? Strategy, ARC report,toughness of Pre-2020 paper
According to coinage act 2011, need to mention that the Metallic
19/02/202 value of coin should not be more than the face value of coins. Sir, If the metal is precious then the smugglers may engage in bad
1 then why black marketers and goldsmiths not mint the coin as face activities And therefore the government itself is reducing the
23:49:30 chirag 1 1 value is more then metallic value. quantity of metal in the coins so as to discourage this activity
Hello sir. I have 3 questions.
Q.1.) Does intrinsic value of commodities mean that they give 1. If you sell the gold in market how much money will you
cost-benefit to consumers? make for if you make Jewellery out of that particular gold
Q.2.) Is commodity money related to barter system? how much valuable it is to you that is the intrinsic value
19/02/202 Q.3.) Can we take fiat money under legal tender? Or is there any 2. Yes
1 Nama thin line of difference between the two? 3. American dollar is a fiat money in India but it is not a legal
23:51:57 n 1 1 That's all. tender in India
sir, demonetisation ke time kahi padha tha ki nepal me new indian

currency nhi liya ja rha hai kyunki indian govt. ne uske central
bank ka money exchange ni kra tha islye unhone ban kr rkha tha.
mera optional psir hai to kya is scenario ko use kr skta hu ksi

paper 1 ya 3 ke ans mein aor google karne pe iska reason
diaspora politics hai syd .
to mujhe ye janna tha ki iska use kar skta hu kahi pe?
ya fir mai baal ka khaal nikal raha hu!
if its useless ques. then SIR forgive me & kindly ignore it.
19/02/202 pratyu YOURS TRULY

1 sh Very poor cost benefit chasing that entire topic Because it has
23:53:49 anand 1 7 AAPKA STUDENT. became very faded now
20_Feb _2021_Students'_Doubts
As every country has different currency notes with different
20/02/202 valuation is it possible to have same currency everywhere if all
1 Neha countries agree to it. What can be the issues of having standard
00:04:21 Sharma 2 7 international currency? Will see that in pillar 3
20/02/202 Hello sir. I am Sristita Ghosh. I am a BA General Graduate
1 Sristita 1 8 (2020) from Kolkata. I am aiming to give the 2022 attempt.
00:24:46 People near me often tell me that IIT Graduates or Honors There is no need to live under such here plenty of students who
Graduate from prestigious colleges get into Civil Services, do not have superstar personality have also cleared the exam
wheres I'm a very average, GENERAL graduate student and I so simply focus on your studies confidence will come
will face negetive marks/ disadvantages at the Personality Test. automatically when you have command over the subject to
Is that true? develop the command over the subject
If this feels like an inappropriate question, then sorry. Although
while studying this one question really distracts and worries me. Scroll Down in the PDF File → FAQ Section
A07] Interview
Myself Kavita
Your first doubt
Sir, am from punjab and completed my post graduation in
Chemistry just two months ago and follow the Indian
Whatever important current affairs development occur they are
express..and I agree that it cover my home state news better
usually covered within the monthly current affair PDF files by
than hindu newspaper (because i used to read hindu newspaper
various e-learning website so there is no need to leave under
a year ago )
some type of fear that I will miss something in science
..i have a major problem that Chandigarh edition IE don't have
technology
full fledged page devoted to science. So,is there need to follow
something else for science ,because hardly 2-3news in a week
Your second doubt you do not require extremely accurate
whereas in hindu it's completely there.
command over English language like Shashi Tharoor as long as
Sir,Also a number of punjab government vacanies are coming
no basic mistakes are made in basic Grammar. you are good to
ahead of Punjab election.so I don't want to replace IE with
succeed
hindu.
Regarding your third doubt over chemistry as an optional
subject when it is advisable that you show the previous years
Second doubt is:
topic wise papers to a Government College Professor and
It was my English medium from nursery to MSc.. i can talk
whatever books he prescribed you proceed accordingly
fluently with American/British foreigners too...but while reading
newspaper editorials there are so many words that i haven't
For more,
read or know nothing about them..
..so question is ,do i have to search for every phase/word ...to
20/02/202 what extent vocubalary is needed for interviews?? Scroll Down in the PDF File → FAQ Section
1 A02] Current Affairs
00:59:25 Kavita 1 8 ..third doubt is.. A06] Optional Subject
I want to have Chemistry optional for UPSC CSE

...sir there are no video lectures in plus subscription...though i
have watched previous exams and found about 60% are from
notes of my MSc..10-15% exam questions can be covered by
browsing...
Also watching toppers from Chemistry, were saying that
Chemistry hand written notes of IAS aggrawal of 2007 batch
notes are good .......but i found them tooooo bulky and also find
myself comfortable in reading my own notes because 4-5times i
have revised them while preparing for CSIR NET.....
Sir what would you suggest on above circumstance..Should i
buy that bulky IAS aggrawalof 2007 batch hand written notes
with thousands of pages???
2should i join Chemistry course offline ??
3.unacademy don't provide Chemistry core syllabus for
optional?
What's your say on above three...??
I will appear for 2022
....pardon me for taking your precious time.
THANKYOU
Hi Sir, 1. At present your first priority should be to cover the
I'm a working professional and working as team leader in one of general studies syllabus for prelims and Mains
the Pvt company. I have few questions related to the exam examination as far as the the graduation of Pharmacy is
1. I've completed my graduation in bachelor of pharmacy in concerned since you have lost touch with the subject
2014 so I have lost touch with the subject. As I'm working some 6 to 7 years ago and have a working professional
professional and due to time constraints I'm unable to go biodata so it is unlikely that UPSC interview panel will
through all the topics of my graduation. As you are also from greatly grill you over your graduation subject so there is
20/02/202 pharmacy background, please suggest how can I brush up my no need to live under such type of fear nonetheless you
1 Suruchi Pharmacy knowledge. should be aware of the basics of the pharmacy which
01:17:26 Vyas 1 8 2. I'm 28yrs old and not married and i'm planning to appear for you can cover from professor R.K. Goyal Book on
2022 prelims. Will age and marital status hamper my chances of Pharmacology
getting short listed for the services. 2. Many candidates in the 28 to 33 age group also have
cleared the UPSC examination besides there is nothing
As I don't have anyone in my family who has appeared for this you can do to reduce your age so there is no need to
exam I'm starting from scratch. I have watched your videos and live under this type of fear and insecurity the only way
they are inspiring. :) forward is to move forward with your study
one line answer is: use handout of your batch + free extra
economy current affairs updates video Win21CSP series
https://unacademy.com/a/mrunals-economy-win21csp-upsc
Hello Sir How Are You.I Hope You Are Good.Sir I Have & its updates handouts https://mrunal.org/download
Completed Your Batch 2 Times And I Am Good In Economy.
Sir I Have Two Question- No need to sit thru whole course again.
1)How To Update Current Affairs Of Economy.Recently I
Completed Your Batch Sir For more,
Scroll down in this PDF: FAQ Section → B00] Admission →B01]
20/02/202 2)If I Am Unable To Clear This Exam How To Update These
1 Prince Handouts Because My Subscription Is About To End.I Know Type of student: Previous Batch student
03:04:43 Sharma 1 8 This Question Is Sensitive But Please Help Sir.
1. Yes you can do that if you need to refer to the the
particular photographs and images to understand the
1) sir can we read ppt of lectures simultaneously along with topic although most of the time you will find that simply
handouts by reading the hand out you will be able to cover the
20/02/202 ___vishal things much faster
1 dhakad20 2) sir, I have attempt in 2022, can I take print out of handouts as 2. In that case take the printout and then update with
06:45:34 21 1 1 I am more comfortable in reading them physically Win22
Dear Sir
I am preparing for IFoS exam which has a higher prelims cutoff
than usual. Till now, I have gone through most of the
20/02/202 conventional sources that you have suggesed on your website. Ans. Scrolldown in PDF → FAQ: E00] Mocks → E03] Private
1 paras694 In order to cross the higher cutoff, should I read more books or
07:24:24 2 1 8 practice test series of vision etc. Institutes' Paid Prelims Mock Test
20/02/202 M Arun 2 1 Sir, I didn't understand what is contingent function ? I saw the The share market and the loan market works because money is
1 Kumar lecture again but didn't get it , can u please tell me with any the foundation
08:54:46 example
Because of the monetary system government is able to tax the
people and use that money for Welfare of the poor people
These are the contingent functions of the money
These functions are possible because of the primary and

secondary functions of the money
Sir in lecture one of mcq the question is about legal tender that
metalic money can be legal tender but for legal tender two
20/02/202 criteria is there one should be fiat Money and issued by If the metallic money is in the form of coin then it could be a fiat
1 government authority then how mettalic money would be legal money if it is issued by a king, queen government or Central
09:06:31 Pk 2 1 tender Bank
20/02/202
1 Ankit Is it necessary to watch win20 series for previous year data or
09:46:24 Thakur 1 8 this course will covered all the required data of perivous year. Please refer to the chart given at the top of this PDF file
If you can finish a topic by reading the text material then there is
no need to watch video for it now suppose that some great
Sir aap jo indian express padhate hain telegram pe kya woh Complex Topic like citizenship Amendment Act and suppose if
20/02/202 sufficient hai.ya mujhe koi aur online class dekhni chahiye.main you feel that you need to watch the video to understand it only
1 Tejas abhi beginner hun sir 2022 mein first attempt dena hai.please then you should what the video otherwise you simply go through
10:30:02 singh 1 8 reply sir the text material of current affairs
I checked the handout does not have any blank pages please
update your PDF software and install the fonts if having
problems
So if there is some problem in display of the fonts please

20/02/202 download the fonts from here
1 Good morning Sir Sir the Page No. 6, 7 and 8 are blank in http://www.mediafire.com/folder/64qnsbu9n3a04
10:37:32 Rubina 2 1 the given handout. After 10.3 it moves to section 10.4.7 Recommend PDF reader is 1) Foxit PDF reader OR 2) Adobe
PDF reader.
As such fonts are embedded within the PDF file so separate font
download may not be necessary. There may be a need to
update the PDF reader software.
If you are using a PDF software in some mobile and tablet it
may not function properly if you are not using above
recommended PDF softwares
20/02/202 Rahul Sir there is lot of problem with chat. If you use green curtail like
1 chaturved other educator it will be helpful for us to shut the chat . Kindly
10:50:44 i 2 1 address the issue Let me look into this
20/02/202 Good morning sir, Sorry for the inconvenience.. I was unable to
1 access the pdf file because of a technical glitch. Now the issue
10:52:55 Rubina 2 1 is resolved. OK! best wishes
ykrishnak Sir Please tell us How to cover last one year current affairs of
20/02/202 umar840 other subjects
1 @gmail.c And also sir tell us that is there any need to take WIN CSP 2021 Scroll Down in the PDF File → FAQ Section
11:34:23 om 18 series if I'm taking classes from current batch A02] Current Affairs
Good afternoon sir,
My doubt about the mains answer writing that whenever we
study any concept what are the different department or sectors
we have to keep in our mind for example in history we have to
think in economical imp. political side, geographical way in that
sense what direction we have to take during answer writing or
20/02/202 do get complete overview about particular concept in economy Scroll Down in the PDF File → FAQ Section → E00] → E04]
1 Ashima please direct
12:12:21 Kaplesh 1 8 Thankyou Mains Mock Test/Answer Writing
20/02/202 SIR My question is I am 1989 born and my age is 32 im giving

1 GAUTHA my prelims in 2021 but if i could;nt clear this then can i attend
12:16:50 MI.M.L 1 9 2022 prelims i have obc 2A category background can i give the OBC given 35 years and 9 attempts. Yes. so, you will be eligible
prelims in next coming years if possible how many attempts can

i give
Sir,
When a coin/note denomination is demonetized, does it require

the Coinage Act/RBI Act to be amended to reflect the change or
it is simply done through an Govt. order and no amendment is
20/02/202 required?
1
12:50:24 Brijesh 1 1 Thank you so much for your answer sir. Yes they can simply do it by issuing a gazette notification
For example, in ancient times in a village Barber will provide the
service of cutting the hairs and the villagers will pay him in the
form of physical goods such as wheat and grain
Respected sir, you explained about barter system i.e exchange And if the barber became ill then the village Ayurvedic healer
of goods and commodity but was that applicable to service main provide him medical service so as barter in services is also
20/02/202 sector as well? if yes then how people used to do that? do they possible
1 Sai used to exchange service for each other ,or they used to pay
13:26:50 Santoshi 1 1 some goods as substitute of service? kindly explain.
Respected mrunal sir,

I am very fortunate to study by you.
Sir , when I show UPSC mock interview ,

In English medium .. I feel fear about language. How can talk
with like that??
Because my schooling medium Gujarati .

And graduate (b.sc- physics)in English language.
Even my Hindi is not professional level.

So I prefer English medium. Because I have basic knowledge
and understanding about English.
But I see mock interview then i am worried.

And in my circle no one s preparing upsc and English language
learners..
So,
What is your suggestions for Which medium will I chose for

mains and interview.. Scroll down in this PDF: FAQ Section → A00] General→ You will
20/02/202 Thank you, find the answer among the questions mentioned there.
1 Himanshu Your First time learner student A05] Medium/Language selection doubts
13:53:58 Gajjar 1 8 Himanshu sunilbhai Gajjar. A07] Interview related doubts
Good day sir!!. Hope you are doing well. Sir i am appearing for
20/02/202 2021, yet not prepared with my optional subject (infact not In that case difficult to finish the syllabus for prelims and mains
1 started preparing) i am getting tensed now,, please can you help given the time constraints of hardly 4 months left so perhpas the
14:11:02 Arun 1 8 me with few tips, which subjects shall i concentrate more now. candidate should explore focusing on the 2022 attempt
20/02/202 Paresh 1. In India the minimum denomination coin acceptable for 50 Paisa coin is not yet declared invalid so even today the
1 Revatkar 1 1 transaction is 50 paise. answer is same
14:39:53 2. Coins below 50 praise is not a legal tender for payment.

ANS B BATYA SIR APNE YESTERDAY .. BT 2021 ME YEH
AYE TO DONO OPTION WRONG HONGE NA SIR
But it is not in the form of coin or currency note
sir In your 2nd lecture of economy (19 feb) So it is not Fiat money
apne bola ...ki G-sec and T-bills fiat money nhi hai becuase they
20/02/202 Praghyan are not in physical formate...but apke handout main likha hai ki Unnecessarily you are over complicating this topic for yourself
1 and Fiat money virtual coin/digital coins/crypto currency bhi ho sakti By over thinking about it it is very simple if only you visualise
15:20:04 pandey 1 1 hai ? what money should look like physically or digitally
How to open a bank/scheduled vs non-schedule?
1. If you open a commercial bank at present, the steps are
as following
2. First you have to register the company with Ministry of
Corporate Affairs
3. then you've to mobilize minimum 500 cr capital. for this,
If you want to issue shares in the share market then you
have to get permission from SEBI
4. finally, If you want to open the bank you have to get
I am Oct batch student license from RBI. If RBI is satisfied, it will give you
Doubt : Are Scheduled commercial banks are required to licence as an non-scheduled (commercial) bank.
register under Companies Act? 5. After that you run the bank, and once you satisfy the two
20/02/202 In Page79( Oct Batch Handout), you said "Yes" under the Moral conditions which we learnt in the class then RBI will give
1 ZemaNS Outrage heading, but in Page88 and lecture u said Commercial you the status of "scheduled (Commercial) bank."
15:40:31 KY 1 1 bank are required to register at Banking Regulation Act

Sir mai 2022 me attempt dene wala hu lekin mai padhta hu to A01] Strategy/Planner/Time Management, Prelims-Mains-
aisa lagta h kuch yadd nhi rehta or mere pass lagbhag pura din Essay Strategy, ARC report,toughness of Pre-2020 paper
20/02/202 hota hai padhne ke liye to kitna time self study or kitna time A09] Others - unable to focus in studies/ unable to
1 Prince videoes dekhu .... Or sir mai confuse ho jata hu khud p doubt remember,demotivation, career backup etc
16:01:06 tiwari 1 8 hone lagta hai kabhi kabhi...,. Kuch solutions btaye ....
student: Future student (2022,2023,2024,2025)
Sir mai 2022 me attempt dene wala hu lekin mai padhta hu to

aisa lagta h kuch yadd nhi rehta or mere pass lagbhag pura din
20/02/202 hota hai padhne ke liye to kitna time self study or kitna time
1 Prince videoes dekhu .... Or sir mai confuse ho jata hu khud p doubt
16:01:15 tiwari 1 8 hone lagta hai kabhi kabhi...,. Kuch solutions btaye .... Replied in previous cell
one line answer is: use handout of your batch + extra economy
current affairs updates video Win21CSP series
& its updates handouts https://mrunal.org/download
No need to sit thru whole course again. For more,

20/02/202 Scroll down in this PDF: FAQ Section → B00] Admission →B01]
1 Hlw sir I completed your course in June to September should I
17:16:08 Sohit 1 8 join your curry course thank you Type of student: Previous Batch student
20/02/202
1 These coins have special type of shapes so Blind persons can
17:56:02 Puru 1 1 visually handicapped friendly coins identify them more easily for example the new 20 rupee coin


20/02/202
1 abhishek guru jii how to preapare state specific current affair for state psc student: Non-IAS exams student-
18:30:44 sharma 1 8 uttar pradesh StatePSC/CDS/CAPF/EPFO/RBI etc
Monalish
20/02/202 a
1 Choudhar Sir I want to take economics as optional but there is no teacher Scroll Down in the PDF File → FAQ Section
18:48:01 y 1 8 of my level available on unacademy A06] Optional Subject
Hlo sir
I am 2022 aspirant.
Q1:Will win22csp be enough for both prelims and mains or it is
beneficial only for prelims?
20/02/202
1 Harrysing Q2:can we rely entirely on win22csp for economy current affairs
20:07:58 h2818 1 7 as far as upsc cse 2022 is concerned? Please refer to the chart given on the top of this PDF file
20/02/202
1 Piyasha It will become clear to you in the next week when we enter into
20:21:54 De 1 1 G-sec, T- Bill not clear monetary policy lecture
Sir with due respect
I have attempt in 2022, and I am attending your current course.
Whether I have to read economic survey, iyb, yojana and Scroll Down in the PDF File → FAQ Section → C00] Economy
20/02/202 ___vishal kurukshetra magazine after your course or it was only for Course General Doubts → C02] Economy reading list etc,
1 dhakad20 students who are gonna appearing in 2021.
20:33:56 21 18 Economic survey, Yojana-Kurukshetra
This academic discussion is not important for the scope of

Sir, you have mentioned that BARTER system is free from the MCQs, Because you are bringing the inflation angle into the the
influence of Exchange rate, however, the quantity of exchange exchange of goods and services and on the other hand you
of commodity may change with external factors such as war, want to discuss about the currency exchange rate those two
20/02/202 natural calamities, yield, demand etc.,. Hence the quantity of things are different. Anyways this entire matter of academic
1 Abdul exchange rate is still an influencing factor in BARTERING of debate is not relevant for the scope of MCQs so please move to
20:47:43 rasheed 2 1 goods. Kindly clarify. the next topic
20/02/202 Hello Sir, I'm from Lucknow and I want to take PSIR as my
1 Pranjal optional subject so in the same regard please suggest me any Scroll Down in the PDF File → FAQ Section
20:59:50 Mishra 1 8 good veteran teacher...? A06] Optional Subject
sir Re 1 notes is legal tender from rbi act 1934 ? also I want to Yes it is a limited legal tender
ask the best educators for all subjects,and also a doubt I have is
20/02/202 that I am going to be 27 now ,I was preparing for 2021 but due Scroll down in this PDF: FAQ Section → A00] General→ You will
1 to illness ,could not continue to prepare,i am a working
21:00:24 anup raj 1 1 professional,should I attempt this year exam or 2022 exam? find the answer among the questions mentioned there.

A03] Notes Making
A04] Revision
A05] Medium/Language selection doubts
A06] Optional Subject doubts
A07] Interview related doubts
A08] Age/Attempt/Cutoff/Medical Std./Eyesight/Height/Chest
A09] Others - unable to remember,demotivation, career backup
etc.
Sir please explain Crypto Currency?
20/02/202 I didn't get it.
1 Definition of cryptocurrencies given in the hand of please refer
21:00:37 Priyanka 1 1 Thanks sir to it it will become automatically clear to you
Sir how to make a masterplan of a year to study. Plz tell me
20/02/202 which topic we should study at which month or firstly. What to Scroll Down in the PDF File → FAQ Section
1 choose between PSIR,SOCIO,PUB when u have studied all A01] Strategy/Planner/Time Management, Prelims-Mains-
21:15:02 Bhawna 1 8 these together in college Essay Strategy, ARC report,toughness of Pre-2020 paper
20/02/202
1
21:48:25 PURU 1 1 NEFT concept Sufficiently explained in the class please watch the video again
20/02/202
1 Scroll Down in the PDF File → FAQ Section
21:49:36 Richa 1 8 how we make our hand written notes??? A03] Notes Making
Finance act 2017 says, one should use "cheque DD NEFT" for
payment above 2lac , so can we say that they are similar to a
legal tender (means lender has to accept cheques in this case) You are confusing the theoretical Concept for the MCQ with the
20/02/202 day-to-day applications of monetary transactions as far as the
1 Wissdom If not MCQ is concerned simply go as per the direction that I have
21:58:04 dubey 11 given in the hand out and in the lecture
Wouldn't it created dilemma if the lender refuse to accept thus

we have to use cash and according to rule face penalty
Respected sir ,
Main 24 yrs ka hoon , as a working professional preparation
krna chahataa hoon , time manage krte hue study krta hoon...
Sir mujhe samajh nhi aa rahaa kahan se shuruat karoon ,
syllabus dekhtaa toh sochtaa ki kaise itna time mein cover up ho
20/02/202 Sharad sakta....aur time v bahut kam hain Scroll Down in the PDF File → FAQ Section
1 Chaudhar How should I have to maintain this flow of study for UPSC A01] Strategy/Planner/Time Management, Prelims-Mains-
22:28:17 y 2 8 preparation ? Essay Strategy, ARC report,toughness of Pre-2020 paper
UPI is a technology BHIM as an app Created using the
technology Beyond that please refer to the video things are self-
explanatory do not live under some type of imaginary fear that
UPSC is going to ask you write a 250 words short note on how
20/02/202 Hlw Sir, BHIM is different than other apps simply you have to remember
1 Raushan How is BHIM different from other UPI based apps? other upi two or three basic one liners for the purpose of MCQ so why is
22:49:35 2 1 1 based apps also support any bank account like BHIM. there a need for so much thinking ?
20/02/202
1 Aditi
23:37:31 Sharma 1 1 what is dividends ? We will see that in pillar 1C
How does QR code work in real life is not important for the
scope of economy course.
20/02/202 Aryan
1 chaudhar you can satisfy curiosity by searching for its YouTube on
23:38:34 y 1 1 QR code kaise kaam karta hai... Sirji science technology.
20/02/202 Ques1 - Is commodity money like barter system?
1 Varsha Ques2- All legal tender is a fiat money but vice versa is not 1. Yes
23:39:10 Gupta 1 1 true? 2. Yes
sir when mdr is deducted for credit/debit transaction and after

20/02/202 that govt. has to pay that money. then why customer dont Usually credit card companies provide some type of discount
1 ansh transfer money to merchant by bhim or upi payment so that and cashback offers to the customers so they feel attracted to
23:40:13 sharma 1 1 govt. money can be saved... use the credit card instead of using UPI based Technology
Google pay is not registered with NPCI because it is just
providing a platform for customers for shopping, actually it is not
handling money, not making profit. The same thing is done by
other upi based apps like phonepe, the money here is also in
the bank account.
20/02/202 Why other apps needs to be registered with NPCI and google
1 Raushan pay doesnot? This entire legal controversy not important for the scope of
23:43:47 2 1 1 difference btw google pay and apps like phonepe. examination
21_Feb _2021_Students'_Doubts
current affairs updates will be given Win21CSP series
https://unacademy.com/a/mrunals-economy-win21csp-upsc No
need to sit thru whole course again.
For more,
Scroll down in this PDF: FAQ Section → B00] Admission →B01]
21/02/202 sir i have attended your 2020 march batch and i have printout of
1 anant all of handouts so do i need to again print new handout or i can Type of student: Previous Batch student
00:22:50 aherrao 2 8 use previous batch handout also
1. No they are payment banks which is a separate thing it

will become clear to you when we learn about bank
classification in future lectures
Hello Sir. I have 3 questions. 2. Because they want to verify the existence of person
Q.1.) Can we give Airtel/Paytm Payments Bank as examples of through Aadhar card
Micro ATMs? 3. Scamsters commit all type of scams by posing as fake
police man, fake insurance agent, fake Telecaller from
Q.2.) Why does the government not use any other method (like Bank so they may do such thing but does their
NEFT) to transfer LPG subsidy scholarship, MGNREGA methodology for committing a particular scam become
payments into beneficiary's bank account? Why only AEPS? important for the scope of exam? answer is no, when
we look at previous years papers. so I will clearly and
Q.3.) In Micro-ATM, how is it possible for a person to believe that categorically advise you. At the start of this course I
the bankmitra(or a bank agent) is a real one? What if he turns out would advise you not to let your mind wander like this
to be a fake bankmitra and runs away with the depositors money? into needless non-exam oriented things Otherwise it
21/02/202 Won't there be any trust issues? will be very difficult for you to finish your syllabus for
1 any subject if your mind is wandering all the time into
00:47:49 Naman 1 1 That's all. such questions.
It depends on what job you are thinking for the scope of
career backup if you fail in the UPSC exam suppose if you are
thinking of becoming assistant professor in the subject then it
is advisable to complete the post graduation alternatively
Sir ,I am in B.Sc. final year (zoology, botany). Kya mujhe M.Sc. ke recently IGNOU has also launched the course on MSc in
21/02/202 liye apply krna chahiye ya phir mai sirf UPSC CSE pr focus kru. environmental science in the external mode so you may do a
1 Garima Mera optional geography hai.mai 2022 me prelims dungi due to bit more research on that also whether it is requiring you to put
07:54:46 singh 1 8 age limit. less time and effort compared to full fledged course
21/02/202 Scroll Down in the PDF File → FAQ Section

1 Nayan Sir I'm a college student,so how to manage the college studies A01] Strategy/Planner/Time Management, Prelims-Mains-
08:40:43 Tiwari 1 8 and UPSC preparation Essay Strategy, ARC report,toughness of Pre-2020 paper
After completing a particular subject you go through previous
21/02/202 years UPSC paper set in topic wise manner it will give you
1 BHARGA Sir, I am unable to estimate how is my preparation. Is there any sufficient Idea on your level of command over the particular
08:52:45 V 1 8 method/suggestion to evaluate my self in regular intervals? subject
21/02/202
1 Dr Ajit this google form will be open after the completion of this For a few weeks after completion of the course the Google
08:55:09 Shekhar 1 8 batch???????????????? form will be open
Hlo sir
I am 2022 aspirant.
21/02/202 1. Yes it covers the content both for the prelims as well
1 Harrysing Q2:can we rely entirely on win22csp for economy current affairs as the mains
09:29:50 h2818 1 7 as far as upsc cse 2022 is concerned? 2. Yes if you cover this full course at least once
Hlo sir
I am 2022 aspirant.
21/02/202
09:47:21 h2818 1 7 as far as upsc cse 2022 is concerned? replied in previous cell
Hlo sir
I am 2022 aspirant.
21/02/202
09:54:15 h2818 1 7 as far as upsc cse 2022 is concerned? replied in previous cell
Scroll down in this PDF: FAQ Section → A00] General→ You
will find the answer among the questions mentioned there.

21/02/202 L3V3E3B I just completed my college and have average hold on 3 Gs topics A01] Strategy/Planner/Time Management, Prelims-Mains-
1 E9RRG- but not even average hold on current affairs, so is ROUNDUP Essay Strategy, ARC report,toughness of Pre-2020 paper
10:37:29 6287 1 8 2020 and 2019 ( disha publication) sufficient for me ? A02] Current Affairs
1. Operation twist aims to cheapen long-term borrowing and spur

bank lending. This is said to be right in a practice question but it is
meant to cheapen corporate bonds by reducing bond yield hence
it demotes bank borrowing. Please explain.
2. Does TLTRO & LTRO require pledging of government
securities?
3. Even after recent Banking Regulation (Amendment)
Ordinance/Act, 2020, single state rural cooperative banks(RCB)
are still under dual regulations and it is stated that NABARD also
21/02/202 regulates cooperative banks. Does this means single state RCBs
1 Madhur are regulated by 3 parties(RBI, state government and NABARD) This will become clear to you when we study those topics in
11:02:23 Pandey 1 1 and multistate RCBs are regulated by RBI and NABARD? the course
In Colonial era the money was backed by gold like if 14 gm of
gold is there then they would print 1$ but in today era how
21/02/202 VarunMal government limit the supply of money??
1 hotra- In this era also , is money is backed by gold ?? If not how This will become clear to you when we study the monetary
11:37:44 1998 1 1 government decides to print how much money?? policy next week
Hi sir, I was in your previous batch- I wanted to ask you that I
have attended all the previous course lectures and will now
21/02/202 update it with WIN21 so do I have to watch WIN20CSP too ?You
1 Shagun already have that covered in the PDFs so no need right? Thank
11:42:08 Singh 2 8 you in advance sir. Please refer to the chart given on the top of this PDF file
Page14 NFS cell
While merging/shifting some cells, it seems lines
wrongly got combined
Delete the words IMPS, UPI and BHIM.
So, correct version shd read

“NFS runs ATM network”
21/02/202 Aditya
1 Kumar NPCI's NFS runs ATM network, IMPS, UPI & BHIM (handout). Instead of
12:01:31 Jha 1 1 But Wikipedia says NFS runs only ATM networks. Please guide. “NFS runs ATM network, IMPS, UPI and BHIM”
query About real life banking operationsAnd their terms and

conditions not impoant for the scope of UPSC general studies, you
In handout, in credit card section "if credit card used for can satisfy curiosity by doing google search, but i'd not consider it
21/02/202 withdrawing money from ATM then its type of borrowing so bank best use of time as far as GS preparation is concerned. #थोड़ा-पढ़ो-
1 Ashima levies interest rate" my question is bank levies interest rate after
12:07:57 Kaplesh 1 1 30 days(Credit cards) or it starts from day one of the withdrawing? आगे-बढ़ो
will find the answer among the questions mentioned there.

A01] Strategy/Planner/Time Management, Prelims-Mains-
Essay Strategy, ARC report,toughness of Pre-2020 paper
21/02/202 Sir abh mera starting h to phle mjh core subject pdke bad m A02] Current Affairs
1 current affairs start kre ky jb economics ka y course khtm hoga A03] Notes Making
13:17:22 Rohit 1 5 bcoz abh newspaper km smjh ata h
Where is the handout? How to download handout?
https://unacademy.com/course/mrunals-economy-course-for-
upsc-prelims-mains-2021-63/BYTRF4K9
Goto above link, Click on updates tab → Side bar will open
from the right side → you can download the PDF files . Within
that right hand sidebar → scroll down to download older
handouts. In future simply you bookmark this page.
If you are using mobile app then maybe the interface will be a
little different. What you can do is within the mobile phone

21/02/202 Sir, apke class ki pdf file kitne time me upload ho jate h.... maine download Chrome browser → open the website in it → in the
1 apke phle class lesson 3 se start ki the us din enroll kiya tha abhi
15:00:08 Charu 2 9 tk mujhe pdf nh mila . 1 and 2 class ki mil gye settings button click on "Show desktop version".
21/02/202 Scroll down in this PDF: FAQ Section → D00] Economy

1 Lovepree
15:09:17 t 1 1 Difference between cheque and demand draft Specific Doubts. → {then scroll thru the list of Qs as per
appropriate pillars. e.g. D01A1= barter to bitcoin, D01A2 =
Money Supply, RBI's Monetary policy .... D02= Budget
Taxation and so on...}

21/02/202 A01] Strategy/Planner/Time Management, Prelims-Mains-
1 Sir in present I don't complt current affairs last 1and half years Essay Strategy, ARC report,toughness of Pre-2020 paper
17:16:22 Sohit 1 8 should I cmplt my main subject or smiltaenously read vision 365 A02] Current Affairs
21/02/202
1 Ojasvi Do I need to refer your win20csp series for 2022, or will it be
18:35:12 Palia 1 7 covered in the course covered inside this ongoing full length course
In the digital wallet apps → companies introduce new features
& RBI introduces new technical norms on daily basis. We are
not here to write a MBA research paper on their business-
model & RBI regulations & individual App's Feature so, . Q.“िर
आपने बोल phonePe App में ‘x’ चीज नहीिं हो ििती, लेकिन मेने try
किया तो अब हो ििती है , तो आपने ऐिा क्यों बोला िी वो नहीिं हो
ििती?” जवाब: भाई वो सिर्फ आपिो concept िो उदाहरण िे िमजाने
िे सलए है । UPSC asking only general broad MCQs from this. If
21/02/202 sir, u said in BHIM app only we can connect any bank account they ask technical, then goto handout page1, Fig#2. # थोड़ा-
1 abhishek no.....but we can do same in phonepe, paytm, googlepay just like
19:32:15 parashar 1 1 bhim पढ़ो-आगे-बढ़ो
Namaste sir ji.

Sir ji maine POLITY, IR, GOVERNANCE or ECONOMY kar raha Scroll Down in the PDF File → FAQ Section
hu.. lekin polity or IR bhulta ja raha hu.. to mujhe samajh nahi aa A01] Strategy/Planner/Time Management, Prelims-Mains-
21/02/202 raha hai ki main POLITY, IR, GOVERNANCE OR ECONOMY ko Essay Strategy, ARC report,toughness of Pre-2020 paper
1 Roshan kaise karu.. kuch samajh nahi aa raha hai please kuch aap A09] Others - unable to focus in studies/ unable to
19:54:48 Singh 1 8 bataiye ye sare subjects ko kaise handle karu. Please remember,demotivation, career backup etc
Because RBI is the regulator of such facilities to RBI can force

21/02/202 Sir in handout it is given that only banks can provide this facility of such norms
1 RTGS and NEFT but RBI said no fee on online transaction in this
20:00:15 Subh 1 1 2 .. how is it possible then?? Like how much fees can Bank charge for a particular service?
My lecture, its powerpoint, and handout covers economy both
for prelims and mains in a comprehensive and revision friendly
sources such as NCERT, competitive exam books like
Ramesh Singh, Sanjiv Verma, budget, economic survey,
newspapers = embedded within your handout. so no need to
separately refer to those things- Just read and revise the
handout multiple Times.

Yojana and Kurukshetra magazine by yourself for getting
Good evening sir firstly I appreciate ur teaching style non better vocabulary for the mains answer writing.
economics background vale learners K liye aap bhut easy kr dete
hai but sir mujhe Thora dar lgta h economic me toughest subject For more, Scroll down in this PDF: FAQ Section: C00]
21/02/202 lgta hai so sir I want to know ki kya apke handouts or lectures Economy Course General Doubts → C02] Economy
1 Divya sufficient rhengye for preliminary .............huge respect nd booklist/reading list
20:32:24 Yadav 1 8 thnkuuuuuu soo much sir
21/02/202 Scroll Down in the PDF File → FAQ Section

1 abhiraj18 Sir mere padhai pe concentrate nahi ho paa rha hai mujhe A09] Others - unable to focus in studies/ unable to
20:59:21 23 1 1 padhna hai mujhe upsc crack krna hai remember,demotivation, career backup etc
Hello sir, I have been following your last economics course on one line answer is: use handout of your batch + extra economy
plus. current affairs updates will be given Win21CSP series
Actually, i had taken printout of all HDT. Whether should i follow https://unacademy.com/a/mrunals-economy-win21csp-upsc No
the old HDT or new one from your latest course? need to sit thru whole course again.
Thank you sir, for making economics so easy , pehle samjh nhi For more,
aata tha agr ham kare to kare kya or bole to bole kya? Scroll down in this PDF: FAQ Section → B00] Admission →B01]
21/02/202
1 Shivams
Big fan sir Type of student: Previous Batch student
21:01:10 oni-1090 1 7 # थोड़ा_पढ़ो_आगे_बढ़ो
Sir i want to ask question for Gujarati literature subject, sir i have
science background, complete BE in 2020, i have no guidance on
Gujarati literature, i want to write mains in Gujarati, so my
question is
21/02/202 1) which optional has highest result in Gujarati medium ?
1 Dharmik 2) if Gujarati literature is good optional plz give some guidance on Scroll Down in the PDF File → FAQ Section
21:11:38 Patel 1 8 that A06] Optional Subject
21/02/202 Jai Hind Sir. Sir BBPS is still going on or removed because you Government wants to remove it but RBI is opposed to the Idea
1 told about that PRB is removing it but it is not done by the RBI. It store at present nothing is done on that front so BBPS is
21:18:36 Krishna 1 1 is not clear to me. Thank You Very much Sir. present and PRB is not yet made
21/02/202
1 By default the answer is yes but it depends on the context of
21:23:25 sayandip 1 1 is digital currency (payment through payment etc.) legal tender? the question
21/02/202
1 Akash Good Evening Sir,
21:33:36 Kumar 1 7 2022 k liye economic kese cover karu. Complete this full course on Economy
Scroll Down in the PDF File → FAQ Section → C00] Economy

Sir pdf thoda aur hindi me bna diya karo sir please sir bhot time
21/02/202 Course General Doubts → C01] Hindi Medium mein handout
1 Muskan lag jata h padhne me vedio wapas bhi dekhni pad jati h sir please
21:49:36 garg 1 9 it's a request sir please chhahiye mujhe.
21/02/202
1 sagar sir i want to take history as my optional subject...can you pls Scroll Down in the PDF File → FAQ Section
21:50:19 thakur 1 8 suggest books for history optional A06] Optional Subject
21/02/202
1 Moni
21:50:44 sharma 4 8 No ?
21/02/202 Mai jald course samapt karana chahata hun .to mai pichhale All this is explained in the introductory lecture itself which
1 Ruchi vaale course ka kaun sa piller padhun. Jisame current kam ho . pillars are more important for the exam kindly go through the
21:53:07 pandey 1 7 jaise jaldi complect kar sakun. introductory lecture number 1
Many non postgraduate candidates have also cleared the
UPSC exam so it is not essential however for your career
backup doing post graduation may be helpful so you have to
decide as per your unique situation and interest
21/02/202 will find the answer among the questions mentioned there.
1 muskan A09] Others - unable to remember,demotivation, career
22:00:47 kshatriya 1 8 sir is we need to do post graduation backup etc.
For more,
Sir I had already attended your previous batch.So do I need to Scroll down in this PDF: FAQ Section → B00] Admission →B01]
21/02/202 attain this batch also for current updated after budget
1 Amit announced.Please guide and what is win20 batch? and when it Type of student: Previous Batch student
22:09:29 Sharma 1 7 will launch??
Hello Sir,
i have your handouts of last year that comprises of 612 pages.
This year i joined unacademy just because of you only
unfortunately sir my father was expired this december 2020 so
very upset since three months now i again wish to continue my
preparation need your help sir this year in your course handout
was of 700 pages so can you please suggest where i can get
those additional 100 pages only and recent budget and economy Sorry to hear about your situation
survey also covered please suggest sir what to do.
sir can i have your phone number i won't call again i just need 5 Please use handout of your batch + extra economy current
mins inspiring words to again start this journey as mentor. affairs updates video Win21CSP series
21/02/202 Ambuj & its updates handouts https://mrunal.org/download
1 Srivastav Thanks and Regards
23:03:55 a 2 8 Ambuj Srivastava I wish you all the best for your exams !
Refer to the past CAPF toppers strategies available at :
https://mrunal.org/toppers

Hey Sir ,
I hope you're doing well . will find the answer among the questions mentioned there.
I am facing problem in the paper 2 of capf.way forward ..how I A01] Strategy/Planner/Time Management, Prelims-Mains-
would improve my writing skills .nd sir I want to know the revision Essay Strategy, ARC report,toughness of Pre-2020 paper
21/02/202 technique A02] Current Affairs
1 Amit With Regards A03] Notes Making
23:09:27 Pandey 1 8 Amit A04] Revision.
https://un 1. Kafi Kuch padh liya he, like Ecology, history, geography etc ka Scroll Down in the PDF File → FAQ Section
academy. syllabus complete kr diya he. But revision nhi ho pa rhi he , so, A01] Strategy/Planner/Time Management, Prelims-Mains-
com/@un please suggest me a way so that I can revise and memorise the Essay Strategy, ARC report,toughness of Pre-2020 paper
21/02/202 academy things easily . A04] Revision
1 -user- A09] Others - unable to focus in studies/ unable to
23:19:10 XCLLW 1 8 2. Please suggest me how shall I prepare accurately in remember,demotivation, career backup etc
WGSCU accordance to the exam standard, so that I can get questions

0R related to that I prepare and avoid extra preparation. Please
suggest. I will be very much grateful to you.
21/02/202 Sourabh Scroll Down in the PDF File → FAQ Section

1 Chowdhu I have a problem related to time management. I can't manage A01] Strategy/Planner/Time Management, Prelims-Mains-
23:37:33 ry 1 8 time to revise older topic that I have completed. Essay Strategy, ARC report,toughness of Pre-2020 paper
21/02/202
1 is other country currency will be said fiat money if signed by their
23:48:01 shipra 1 1 king / queen/gov/rbi Yes it will be
Yes you can attend this course it will benefit you
For more,

21/02/202 student: Non-IAS exams student-
1 Abhay Sir as Iam preparing for RBI grade B also can I watch your video
23:49:36 Tripathi 1 8 ?as recommended by many toppers. StatePSC/CDS/CAPF/EPFO/RBI etc
21/02/202 Sir should I make daily current affairs note or monthly compilation Scroll Down in the PDF File → FAQ Section
1 subrat of any coaching institute is sufficient ?? My honor and respect to A02] Current Affairs
23:50:20 sahoo 1 8 you A03] Notes Making
21/02/202 Sir, Your class is very much interesting but still sir your pace of
1 H5BW1H teaching is very fast so sometimes some topics are missed to Scroll Down in the PDF File → FAQ SectionF02] → Your
23:51:04 PVR40H 1 8 understand so sir. Kindly consider my opinion. Thanking you teaching speed is much fast. I'm unable to keep up.
As long as the particular money is issued by government, king
21/02/202 Good evening sir, ,queen or the Central Bank it is fiat money. Now, whether you
1 Vivek Sir can we say the money which is stored in the ppi wallet is in the are storing it in your under your pillow or inside a bank or
23:59:31 yadav 1 1 digital form and whether it can be considered as a fiat money. inside a digital wallet it continues to remain a fiat money
22_Feb _2021_Students'_Doubts_upto_6_pm
िर मै हहिंदी माध्यम िे हू आप िे hand out मै ज्यदातर english use िी गई है ,
7UGBL मेरी english vocabulary ज्यादा अच्छी नही है और हर शब्द िो google िरती हू Scroll Down in the PDF File → FAQ Section → C00] Economy
22/02/20 AZT3R तो बहुत िमय लग जाता है लजििेेे मुझे बहुत problem हो रही है िर क्या Course General Doubts → C01] Economy Handout related
21 M1-
00:02:09 5027 1 8 िरना चाइए मुझे,,,,,,, queries, corrections in handout
First of all thank you sir... इि बार िी िोिे(handout) में हहिंदी िी शब्द िार्ी
ज्यादा डाले हैं।
Second.. I think you should take a reform(M patel poll Reform

2021)(request/completely dismissible)
आप जो MCQ/PYQ पूछते हैं बीच क्लाि में पोल karne se pahle,
1) aap unko ek bar pdte Hain usse kuchh ko unwanted profit hota
h becz wo big city m High net k sath hote h, jinke pas hight speed
ni hota wo kiti bi jldi option click kre top m ni aa skte.
2) In real exam 1 mint hi almost milta h to wo reading last m hona
chaiy
3) real exam ko MCQ feel hoga jldi questions jldi answer dene se
4) competition is not same
I know jldi nd top me aane ka koi sida fayda ni h..but confidence.. .. एिंड
सलस्ट में आने िा मजा ही िुछ और है ।
Thank you for your compliments and kind words!
22/02/20 I will look into this suggestion made by you

21 Nishant
00:41:55 kumar 1 7
Sir i have completed the 1st pillar MBFI from your last course
22/02/20 started in October (2020)end and I will be appearing for CSE
21 Ransh 2022 . Can i resume from 2nd pillar BUDGET in this course or I
02:11:00 u 1 1 need to cover 1st pillar again . Pls guide sir. Yes in that case resume from second pillar of this latest course
You have two options
1. Old batch handout + WINCSP20&21
2. Use latest batch handout which comprehensively has all of

above things
Which option is better for you decide that as per your logistics and
Sir, can I take printout of the handouts of the previous Finance
22/02/20 batch(PCB2)? Will it have a lot of variation from PCB3 batch?
21 Since I am leaving for Delhi and I have access to printer at my Either method is fine as far as the content is concerned, in either
03:37:55 Jaya 1 8 home, so thought to take printouts here itself. Thank you. method you will get the entire content
22/02/20 PARES SIR CLASS ME IF SOCP BANE GS4 + ECO QUE-ANS KA TO
21 H 1 8 THODA GUIED KIJIYE..GS4 ME THODA TAKLIF HO RAHA HE We will see a case study in the next lecture
07:04:26 REVAT IF POSIBLE SIR ..

KAR
1.Scroll Down in the PDF File → FAQ Section → E00] → E04]
Mains Mock Test/Answer Writing
1.main jab bhi answr writing likhne ki koshish krna chahta hu to 2.Scroll down in this PDF: FAQ Section → A00] General→ You will
lgta hai mere paas cntent hi nai hai Main kaise is skill ko dvlp kru
22/02/20 sir plzzzzz plzzzzzzz plzzz btaiye find the answer among the questions mentioned there.
21 An A01] Strategy/Planner/Time Management, Prelims-Mains-Essay
07:41:44 gupta 2 8 2.how many sub ek din main class leni chaiye Strategy, ARC report,toughness of Pre-2020 paper
Sir, I joined late and until then your last course was started. So I
started watching your course in recorded format and have
watched 34 classes till now. I have followed every step be it
answer writing or Quiz solving without any fail. I have been
revising the hdts also as per your suggestions. So, should
Yes, you should stick to that course and complete it along with
22/02/20 Adhees I stick to that course and complete it along with WIN21CSP series WIN21CSP series
21 h_Tripa or I should wait for this course to get in line with me and then
07:44:37 thi 1 8 continue with this??? Thank you for assistance, Sir.
Sir, In university semester course I have option to choose some
22/02/20 Harish between optional subjects. That subject may somewhat help in the general studies mains
21 Choud Sir, If I choose "Psychology for effective living" as a elective paper 4 related to empathy and compassion work life balance and
08:00:03 hary 1 8 subject. Is psychology is beneficial for competitive exams? other topics
In the application form itself they will ask you whether you want to
give the interview in English or in Hindi
22/02/20 Sudha Sir the people who goes for interview and had written the exam in
21 nshu english, they have to conversate in english only with the So you have to speak in the medium which you have selected for
09:00:41 dubey 1 8 interviewers or they can speak in hinglish interview in the application form
namaste sir .....
1. my first doubt is ....should we mention (intro , body,conclusion,)

by name in our ANswer or should write with the flow in answer ??
1. Should I make label like introduction body conclusion?
2. second doubt is should i join MSC this year bcoz recently i Ans. Some toppers do it some toppers do don't do it
passed bsc nd my optional is also same as msc subject (math) . either way is fine
nd if i should then should i join through some open university or 2. In that case you can opt for the Open University so that
private degree or regular does it make any difference .?? you do not have to physically appear in the classes and
you can spend more time in preparation of competitive
22/02/20 or should i focus on my preparation nd avoid msc for now bcoz it exam. However if you are getting admission in some very
21 vipul will take lot of time ?? nd my attempt in 2022 >>>> SIR PLEASE premium level of mathematics college then you can go for
09:08:02 sharma 1 8 SUGGEST THANK U the full time admission.

21 VP pranam sir ,1. sir my doubt is >>> how can i complete my current Strategy, ARC report,toughness of Pre-2020 paper
09:11:40 siwal 1 8 affairs which i have missed in all subjects my attempt in 2022 A02] Current Affairs
22/02/20 Because they are asking the Australian people to invest in that
21 Sir Why World Bank are are using Australian currency instead of particular Bond Australian people will have Australian currency
09:28:18 Sagar 1 1 American ? and not American currency

SIR GSM3 ME TOTAL 20 UNIT HAI. SIR AAPKE COURSE SE
22/02/20 PURI UNIT COVER HOGI YA FIR KON KON SI UNIT HO C03] Economy Course: General Doubts → Others
21 JAYEGI PLEASE SIR BATA DIJIYE BECAUSE USI HISAB SE
10:15:12 yes 1 8 AGLE UNIT KI TAYYARI KARUNGA.
Depends on the nature of the question for example if some simple
Good Morning Sir, I want to know what are the aspects we have and straightforward question is asked like which indirect taxes
to keep in our mind to get complete view of the topic For example have been subsumed by GST then it leaves no scope for doing
In History we analysis question acc. to historical importance 360 degree analysis simple you have to narrate the things so in
22/02/20 Ashima geographical, administrative, political like wise in Economy what that manner most of the questions asked in economy Are linear in
21 Kaples as the different direction we have to analysis the question during nature focusing around the themes that were highlighted in the
10:27:43 h 1 1 learning stage economic survey and other government reports anyways this will
become more clear to you when we are done upto the six pillars
There is no need to do the same subject course Again by multiple

teachers in either online or on offline mode
Simply you revise the subjects after you have completed them for
Sir mera ek bar pura corse ho gya sab upsc ka pura ab kya krna the first time
chiye Or optional bki hai toh iski class lu ya ab pre. Pe dhan dena
shi rhega For more,
Ek or sir ki coching ho gai hai abhi ek bar sab bol te hai bhar se find the answer among the questions mentioned there.
bhi kr nhi chiyr acha rheta hai online thk hai but bhar se frk pdta A01] Strategy/Planner/Time Management, Prelims-Mains-Essay
hai toh kya krna chiye muje lgta hai jarurat nhi hai Iski kyu vha jo Strategy, ARC report,toughness of Pre-2020 paper
22/02/20 pda hai vhi bhar bhi offline vhi hoga toh sir kya krna chiye A02] Current Affairs
21 Rahul A03] Notes Making
11:22:05 kalal 4 9 Nd sir apse pd ke bhut acha lga thnq sir everyting A04] Revision
Scroll Down in the PDF File → FAQ Section→ A04] Revision

22/02/20 pravee
21 n singh Sir class me subject easily understand ho jata hai but revisions → A09] Others - unable to focus in studies/ unable to
11:39:55 rajput 1 8 time understand nhi aata hai how understand sub during revisions remember,demotivation, career backup etc
22/02/20 Sir still prelims notification for 2021 not out. Will the exam be
21 conducted in June 27?? Or will it be postponed sir? they said feb They have released the official calendar with says that the exam
12:21:42 Naresh 2 8 10th is notification but the notification didn’t release yet. will be conducted in July so we have to wait and watch
22/02/20
21 Rahul
13:32:00 Sinha 1 1 What is difference between gateway and scheme???? That Pedanticism is not important for the scope of exam
sir maine aapka last course join kiya tha usme 15 class tak manie
22/02/20 aapka PPT ka notes v bnaya tha jisme mera bhut time chla gya, Do I need to make notes from your handout?
21 manish sir please sujjest me kya mujhe PPT ka notes bnana chiye ya
14:47:10 kumar 1 1 nahi, for mains and essay Some teachers require you to make notes from their classes but my
method is different. I am directly giving you revision handout note in

PDF format so you are spared from that time and effort. आपने खुद िे
नोट नहीिं बनाने हैं मेरे लेक्चर handout ही खुद नोट है .
Handout itself is a revision note. There is no need to do double
labour by making a note out of the note. Simply revise it often.
Similarly Laxmikant is a revision note. spectrum history book is a
revision note. just read them, without making notes.
For more,
find the answer among the questions mentioned there.

A03] Notes Making
sir maine aapka last course join kiya tha usme 15 class tak manie
22/02/20 aapka PPT ka notes v bnaya tha jisme mera bhut time chla gya,
21 manish sir please sujjest me kya mujhe PPT ka notes bnana chiye ya
14:58:02 kumar 1 1 nahi, for mains and essay Replied in previous cell
22/02/20 find the answer among the questions mentioned there.

21 Sir, could you tell me what possible questions can be asked in A07] Interview related doubts
15:14:51 Jenny 3 8 interview on kitchen gardening if i write it as a hobby in daf
22/02/20 Payment gateway deals with card payments.
21 Abhijit Sir, What is the difference between Payment gateway and
15:21:01 Prasad 1 1 National finance switch? National financial switch is dealing with the ATM machines
22/02/20 Ms Yeh mera 3rd attempt hai UPSC CSE ka aur muje iss bar allover
21 Priyans 1 8 exam crack Karna hai iske liye muje suggestion chahiye aur muje Scroll down in this PDF: FAQ Section → A00] General→ You will
16:04:00 hu mains Gujarati me likhna hai to aapko likhe hue ans send kar find the answer among the questions mentioned there.
Boricha sakte hai?? Aur prelims crack krne k liye koi tips kyu ki muje abhi
ngar unacademy par subscription liye hue 2 months hua hai to classes
dekhne me mera sara time jata hai muje revision karne k liye time
nahi milta hai...
A03] Notes Making
A04] Revision
A05] Medium/Language selection doubts
A06] Optional Subject doubts
A07] Interview related doubts
A08] Age/Attempt/Cutoff/Medical Std./Eyesight/Height/Chest
A09] Others - unable to remember,demotivation, career backup
etc.
For more,
22/02/20 Aditya Hello sir I had attended your PCB 1 lectures. SiR I want to ask is Scroll down in this PDF: FAQ Section → B00] Admission →B01]
21 Chauh that would I be missing something if I Resort to PCB 3 handouts
16:04:01 an 1 7 for 2021 and not read PCB 1 even for once. thank you Type of student: Previous Batch student
GAUR
22/02/20 AV
21 KUMA SIR, WHEN WILL YOU UPLOAD LECTURES OF WIN21CSP ?
16:06:10 R 1 7 OR SHOULD I AGAIN WATCH THIS NEW LECTURE SERIES? https://unacademy.com/a/mrunals-economy-win21csp-upsc
22/02/20 Manish Sir you have written in handout that In 2018 RBI issued guidelines
21 choudh for interoperability but now also in 2021 we can not send money
16:15:27 ary 1 1 from paytm wallet to PHONE pe wallet Because it is being implemented in the phase wise manner
22/02/20 Manish Sir you have written in handout that In 2018 RBI issued guidelines
21 choudh for interoperability but now also in 2021 we can not send money
16:16:20 ary 1 1 from paytm wallet to PHONE pe wallet replied in previous cell
There are many such success stories so there is no need to live

under any fear you focus on the exam oriented preparation then
you can clear any exam whether it is IAS exam or CAPF exam
The most important thing is regularity and discipline in studies
For more,
find the answer among the questions mentioned there.

Sir i m 2nd year student in du regular college but bcoz of my Strategy, ARC report,toughness of Pre-2020 paper
father health issues i have to join part time job in hotel and i also A02] Current Affairs
teach home tution to 6 to 10 sir mujhe regular college se non A03] Notes Making
regular me shift karna pada but my dream is to become a ips A04] Revision
officer sir kya non regular ke bacho ko select karte hai agar meins A05] Medium/Language selection doubts
pre+ mains pass kiya ya nahi ya sir mujhe capf ki tyari karni A06] Optional Subject doubts
chahiye please help me sir sir in 12 i also cleared nda written but A07] Interview related doubts
22/02/20 Priyans not able to clear interview there and now my age is 19 over sir kya A08] Age/Attempt/Cutoff/Medical Std./Eyesight/Height/Chest
21 hu mein abhi bhi hard work kariu to non regular college se ips ban A09] Others - unable to remember,demotivation, career backup
16:18:24 yadav 1 8 sakta hu ya nhi ???? etc.
Scroll down in this PDF: FAQ Section → D00] Economy Specific
Doubts. → {then scroll thru the list of Qs as per appropriate pillars.

22/02/20 Manish e.g. D01A1= barter to bitcoin, D01A2 = Money Supply, RBI's
21 choudh
16:19:04 ary 1 1 Difference between overdraft and credit card Monetary policy .... D02= Budget Taxation and so on...}
22/02/20 sir i am working aspirant. i joined unacademy plus membership It depends on the nature of the subject and nature of the study
21 @Idris just now. I am preparing for UPSC EPFO AO/EO Exam held on material
16:20:11 hKhan 2 8 09.05.2021 and also want to sit in UPSC Prelims 2021. I am
confused if i should join live classes which takes 2.5hrs of time or i If the material is good enough then even no need to watch the
should cover my syllabus by watching recorded classes at 2x videos if the person is capable to comprehend just by reading the
speed in 1hr. time spending because i am working and have less text
time. i have two children so i hardly spare 4-5 hours daily. please
sir suggest me what to do for the better results? So accordingly you pickup the preparation sources based on your
strength and weakness for a particular subject and particular
teacher
Respected sir, economics is a new subject to me but u make it
very interesting to study it , though I make mistakes in some
questions I will improvement myself.
Sir at present I'm handling 4 subject simultaneously and not able
to find time for current affairs , I listen to ur commentary and
prepare notes which are important but that too seems difficult right Scroll Down in the PDF File → FAQ Section
22/02/20 now ,so can I postpone the current affairs part for sometime as A01] Strategy/Planner/Time Management, Prelims-Mains-Essay
21 Neha I'm preparing for 2022 . Strategy, ARC report,toughness of Pre-2020 paper
16:22:24 kumari 1 8 Plz guide me sir . A02] Current Affairs
1. Sir how should I approach or prepare economy from the mains
perspective? and for gaining mains content do I only need to refer
to your handouts+ economic surveys+ Editorials?
2. What are some good sources to practice MCQS(offline+online)

after finishing a GS topic, there are lot of contents out there and I
am confused which one to choose. 1. This has been covered in the first lecture introduction
itself
3. also sir could you please consider a humble suggestion, that is, 2. Ans. Scrolldown in PDF → FAQ: E00] Mocks → E03]
22/02/20 Anubh would you sir start taking a MCQ test from your daily current
21 av affairs XCEL sheet at the end of each month at unacademy, as Private Institutes' Paid Prelims Mock Test
16:41:25 Biswas 1 8 per you'r convenience? 3. I will look into this Suggestion
22/02/20 @anur Sir legal tender is used to settle all debts in a country. Sir do these
21 agkam debts also include all the daily routine transactions in economy
16:52:51 boj20 1 1 like purchasing wheat or only loans taken from banks? Purchase as well as loans
22/02/20 @anur 1 1 Sir legal tender is used to settle all debts in a country. Sir do these replied in previous cell
21 agkam debts also include all the daily routine transactions in economy
16:53:13 boj20 like purchasing wheat or only loans taken from banks?
Government would not like to do it because they would lose the
control to control the quantity of money that is being generated
22/02/20 @anur circulated so they would prefer to have a currency which is
21 agkam Sir can the government declare non fiat money as legal tender created and circulated either by the government or by the central
16:57:03 boj20 1 1 like bitcoin? If yes will it automatically become fiat money also? bank
Page14 NFS cell
While merging/shifting some cells, it seems lines wrongly
got combined

22/02/20 61DFS
21 VBBR Sir NFS of NPCI works in the backend of both ATM and all imps Instead of
17:34:36 NO6 1 1 based service so sir is there any other service based on NFS “NFS runs ATM network, IMPS, UPI and BHIM”
SHUB Scroll Down in the PDF File → FAQ Section → C00] Economy
22/02/20 HAM िर मै आपिा िोिफ र्ॉलो िर रहा हु इििे आलावा NCERT बुि िो भी पढ़ना Course General Doubts → C02] Economy reading list etc,
21 JAYAN
17:34:50 T 2 7 पड़ेगा या आप इम्पोटे न्ट र्ैक्ट क्लाि में िरा दोगे Economic survey, Yojana-Kurukshetra
22/02/20 @anur
21 agkam Sir can you please explain if land is a fungible or non-fungible
17:50:56 boj20 1 1 item? Not fungible.
FAQ-CHART - scroll in the PDF accordingly

Section Types of Querries
A00] General - A01] Strategy/Planner/Time Management

- A02] Current Affairs
- A03] Notes Making

- A04] Revision
- A05] Medium/Language
- A06] Optional Subject
- A07] Interview
- A08] Age/Attempt/Cutoff/Medical Std.
- A09] Others - demotivation, career backup etc.
B00] Admission / - B01] Type of student: Old student/Previous Batch student

based on type of - B02] Type of student: Future student (2022,23)
student - B03] Type of student: Late Admission
- B04] Type of student: Working Professional / Housewives
- B05] Type of student: Non-IAS exams student-
StatePSC/CDS/CAPF/EPFO/RBI etc
C00] Economy - C01] Economy Handout related queries, corrections in

Course General handout
Doubts - C02] Economy reading list etc, Economic survey, Yojana-
Kurukshetra
- C03] Economy - general doubt → others
D00] Economy - D01A1] money's evolution: barter to bitcoin, Digital economy

Specific Doubts - D01A2] RBI monetary policy: CRR, SLR, Repo, PSL etc
- and so on for other pillars
E00] Mocks - E01] Weekly Quiz of Mrunal's Economy Class

- E01C] Weekly Quiz of Mrunal's Economy Class → Correction
- E02] Unacademy's other tests (where Mrunal not associated)
- E03] Private Institutes' Paid Prelims Mock Test
- E04] Mains Mock Test/Answer Writing
-
F00] Misc - F01] Additional Requests / Farmaayish from teacher

- F02] Live Class Tech/ chatbox nuisance/ Piracy
A00] General Qs on UPSC Prep/Strategy

A01] Strategy / book list/ How to begin preparation for UPSC?
- Covered in my “Comprehensive Strategy 2021” video during the Unacademy Summit.
- Watch it for FREE at following URL:
- https://unacademy.com/class/comprehensive-strategy-to-crack-upsc-cse/PL7KLWIX
- What do to for CSAT Paper-2 (Aptitude)? Slide 98 onwards of the same video: https://unacademy.com/class/comprehensive-
strategy-to-crack-upsc-cse/PL7KLWIX
A01] ⏰ Daily Planner for a UPSC Aspirants
Watch my free lecture:
Daily study planner, monthly study planner, FAQs on Test Series & Time Management: https://unacademy.com/class/ias-daily-study-
planner-upsc-faqs-by-1st-attempt-candidate/U15BAGRI
Daily planner is explained from slide #44 of above video
Following time table is only an indicative plan for illustration. Not necessary that you have to follow it word by word. यह सिर्फ उदाहरण िे सलए है आपने अपनी
िहूसलयत और मजबूररयों िो दे खते हुए इिमें र्ेरबदल िरिे पढ़ाई िरनी है
Study Night-owl Morning-Bird Working

(Full Time Student) (Full Time Student) Professionals
Big/Core GS Upto Lunch time Upto Lunch time �� Morning till

Subject#1 AND/OR leaving for office
(Pre+Mains) Post-Midnight
Big/Core GS Post-Dinner to Evening to Dinner Post-Dinner to

Subject#2 1:30 AM or longer midnight
(Pre+Mains)
Small/Chindi GS Evening to Post-Dinner �� During office

Subjects / Topics Dinner breaks &
(Pre+Mains) Weekend
Optional Subject Post-Lunch Till Post-Lunch Till Weekend

for Mains Evening AND/OR Evening
Post-Midnight
Newspaper/Mag Post-Lunch Post-Lunch Post-Lunch

azine
● Daily Auxiliary Auxiliary Auxiliary

mains
answer Activities. First you Activities. First you Activities. First you
writing ki finish above primary finish above primary finish above primary
pipudi,
/ priority things. / priority things. / priority things.
● Daily
Mock Tests,
● RajyaSAB
HATV, All
India Radio,
PIB, IDSA
(and its
summaries)
● And all
other
'Pageviews'
/ "Youtube-
scriber-
gainining"
oriented
products
In above table:
● Core / Big GS Subjects = Geography, Environment, Economy, Polity, History-Culture. िी जो अपने प्रमुख / मुख्य ववषय है
● Small GS Subjects / Topics = Science Technology, International Relations, Post Independent India, E-governance, Internal
Security, Disaster Management, Ethics (GSM4) etc.
● Newspaper in NOT MORE THAN 40 Minutes = How exactly? Explained in this article.
● Coaching class lecture are assumed to be 'embedded' within the above plan. Eg. Mrunal's Economy lecture 9PM to 11:30PM =
embedded within Big/Core GS Subject.
Certain "चिकनी िुपड़ी बाते करने वाली" e-learning websites provide very micro-managed plan. for example "Morning 7 a.m. to 8
a.m. read "X" chapter of "Y" book." But, I have avoided making that type of planners because
● → If you try to micromanage too much, you will get frustrated. Often we’ve some personal work, family responsibilities, health issue,
mood-swings etc.
● → Every student has a different level of grasping power. Some students can finish any book within 15 days while some will require 1.5
months.
● → Some students join online or offline coaching classes, so their class-schedule may be conflicting with whatever timetable is
prescribed.
● → So above Planner is only indicative in nature. Preparation of UPSC is like Kungfu, everyone can fight in his/her own unique style.
A01] 📆Monthly Monthly planner

● Following is only an indicative plan for illustration. Not necessary that you have to follow it word by word. यह सिर्फ उदाहरण िे सलए है आपने
अपनी िहूसलयत और मजबरू रयों िो दे खते हुए इिमें र्ेरबदल िरिे पढ़ाई िरनी है
● You may be able to finish its sooner, if you have a lot more hours per day and/or if your grasping power is more.
Months Subjects/Topics to finish
Phase-I ● Economy (P+M)

Month 1, 2, 3, 4 ● Polity & Governance (P+M)
● Optional Subject
● Ethics (Mains GS4)
Phase-II ● International Relation (P+M)

Month 5, 6, 7 ● Geography & Agriculture (P+M)
● Environment & Disaster Management (Pre + Mains)
● Opt.Sub (Revision, Supplementary Reading, Ans Writing)
● Mains (GSM1: communal, regionalism. GSM2: E-
Governance, GSM3: cyber-security, internal security etc)
Phase-III ● Current Affairs updates in above subjects which occured in

Month 8, 9, 10 earlier months. e.g. If the Polity Finished in Month4, then
afterwards whatever new bills / amendments came in
subsequent months.
● History, Art, Culture (P+M)
● Science Tech
● GSM1-2-3: Remaining Small/Chindi Topics such as World
History, Post Independent India, Land Reforms, Food
Processing etc.
full length after the course Syllabus of prelim examination is over as per the
prelim paper above planner
mock test
full length after the course Syllabus of given mains is over as per the above
mains mock planner
papers
● I have not earmarked separate time for mock test and mains answer writing because those things are assumed to be 'embedded' in respective
subjects. "Full length entire syllabus All India type mock tests = You may do them after your entire syllabus is over. Above table is only for finishing
the entire syllabus first. अगर आपिो शादी िरनी है तो पहले द्
ु हन/द्
ू हा ढूूँढना जरूरी है (=core syllabus). pre-wedding-photographer िबिे पहले ढूूँढना
नहीिं है (=mock tests).
● First you should finish the economy and polity. Because, once you are finished with these two subjects, you will be able to understand
the newspaper and current affairs in a much better manner. In Mains GS Paper-1-2-3, many topics on poverty, welfare, weaker sections
are such that repeatedly, you’ll require the understanding of economy and polity to write better quality of Mains answers.
● In the above IAS planner, I’ve estimated that finishing Economy and Polity (for Prelims + Mains) will take 4 months. Because
○ → In the initial stage of candidates' reading comprehension speed and grasping power will be low.
○ → So it will take more time. But afterwards he will get acquainted and the remaining GS-subjects he will be able to finish at a
much faster pace. History he may be able to finish in 3 months. शुरू शुरू में चीजे समझने में ज्यादा वकत लगता है,फिर ररधम आ गयी तो जल्दी
जल्दी खत्म कर सकते है.
● While many coaching class will tell you "Chikni Chupdi Baatein" that Optional subject can be finished within 3-4 months, but I have
allotted 4 months for primary reading + 3 months for revision, supplementary reading & Answer writing = 7 months for optional subject
because:
○ → The vastness of the syllabus of optional subject is somewhere between the B.A. and M.A. of that subject (e.g. Political
science, sociology, public administration, economics, Literature of Hindi etc.)
○ → So, given level of competition against senior candidates, increasing difficulty of the questions, level of depth and excellence
expected from your answers = You will have to read and revise books multiple times. Nobody 'directly-fails' in optional subject
per se, but poor score = no interview call = no success.
○ → Assuming that you are doing it daily 3-4 hours to optional, then it may take 7 months. Whereas, if you devote more hours per
day, then maybe you will be able to finish it sooner.
○ → In the general studies mains papers (GSM1-4), all the serious candidates get marks in similar range. Therefore ultimately
your scores in the Optional and Essay papers become the deciding factor, whether you will clear the mains cutoff for not?
● For Ethics, I’ve devoted 4 months. But, that’s under assumption that daily in the evening or night, you’re allotting 45 minutes to 1-1.5
hours to it.
○ → On Unacademy / YouTube there are full length playlist for ethics -usually around 40-60 hours. Even if you skip some videos
and watch the other videos in fast forward, still, it will take at least 20 hours.
○ → Plus you also need to read books & revise it & solve previous years' questions.
○ → If you are daily allocating some 45 minutes to 1-1.5 hours to it daily, in the evening or night then collectively, above two
exercises will go on for 4 months = 120-180 hours at minimum. वरना तो आपिो ऐिे भी लोग समल जाएिंगे जो 25 हदन में पैिा डबल और 25
हदन में Ethics Syllabus खत्म िरवा दें गे लेकिन ढिं ग िे पढ़ाई & Revision िरिे high score िे पाि होना है तो 25 हदन में नहीिं हो ििता. ज्यादा time
investment मािंगता है .
● Above timetable assumes that both the theory and current affairs component is embedded within your study.
○ For example reading International relations or environment or science means you are also covering the theory, contemporary
issues (of last 2 years and older) and current affairs (of last 1 year). करं ट अफेयर्स को अलग ववषय के रूप में आपने कभी भी नहीं दे खना है .
● So, in the month 7, 8, 9 and 10: The current affairs =you are only updating your knowledge and notes for subject-wise the new
developments that occurred from Month1 to 6.
○ Example: RBI updates its monetary policy every two months.
○ So even if you are finished with economy syllabus on month number 4, yet at month 6 and month 8- New monetary policies
would have come. So then you will collectively read them up by month 10.
I have not finished even a single subject then is 6 months time period sufficient for preparation of prelims and
mains of UPSC?
In that case very difficult to give justice to the preparation I would advise that for the year 2021 you focus on your college studies for lower level
non IAS exams such as bank, staff selection commission, state service and parallelly you focus on a dedicated preparation for the year 2022.
For more,
Refer to the following lecture from slide #36 to slide #42:
https://unacademy.com/class/ias-daily-study-planner-upsc-faqs-by-1st-attempt-candidate/U15BAGRI
Alternatively, watch this clip:
https://www.youtube.com/watch?v=TEF47BZEayk
my Optional subject schedule is not finishing by February

it is possible that because the optional subject teacher has designed the schedule in such manner that you have no other choice- woh april tak
Optional subject Syllabus teaching is continuing.
toh aap ye kare ki abhi se CSATpaper 2 and many parts of the prelim subjects like science technology and environment etc ko thoroughly
finish kijiye.
So that during the last three months of prelims, you do not have excessive load/firefighting of finishing those prelims things.
A01] What are your thoughts on xyz subject after the toughness of prelims 2020 paper?
● [AnswerKey] UPSC Prelims-2020: Environment, Biodiversity, National Parks MCQs Solved with Explanation for All Sets & Strategy for
2021
● [AnswerKey] UPSC Prelims-2020: Geography MCQs Solved with Explanation for All Sets & Strategy for 2021
● [Result] UPSC Prelims-2020 Result out in just 19 days: 10,564 candidates cleared for Mains against 796 vacancies!
● [AnswerKey] UPSC Prelims-2020: Polity & International Relations (IR) MCQs Solved with Explanation along with Faaltu-ki
Controversies over debatable MCQs
● [AnswerKey] UPSC Prelims-2020: History, Art-Culture, Freedom Struggle MCQs Solved with Explanation: Medieval Dictionary Terms
िा आतिंि
● [AnswerKey] UPSC Prelims-2020: Science-Tech MCQs Solved with Explanation: Guessmaster-giri of “D/All Correct”- How useful? +
Difficulty & Multi-statement MCQ िा आतिंि
● [AnswerKey] UPSC Prelims-2020: Agriculture MCQs Solved with Explanation: Agro MCQs increased Number & difficulty, Multi-
statement MCQ िा आतिंि
● [AnswerKey] UPSC Prelims-2020: Economy with Explanation: Medium difficulty but Multi-statement MCQ िा आतिंि, yet not too much
deviation than to last year
A01] 🧨What should I do after the Prelims-2020's tough paper?
● Upon preparing the answer key, we can see that:
○ Either MCQ could be given from routine prep. sources which are being used since last five years. (.e.g Laxmikanth, Spectrum etc)
○ or MCQ is so tough, that either you do 50:50 elimination or you skip it.
○ There is no "new secret book" from which all the answers could have been solved.
○ even those who're claiming that some random tough MCQ could be solved from Hindu = it is from some 2016 or 2017 article so humanly not
possible to go through all that
● and so within the known preparation sources you have to to read and revise more, Observe the data sets logical connectives principles and concepts
more carefully.
● and expect that using the elimination 50-50 technique you can manage to get past the cut-offs.
● and lastly, It is not necessary to memorize each and every factual thing. But you need to have some idea to eliminate the wrong options / engage in
50:50 technique. If you peacefully observe the semantics of the sentences asked in the Prelims-2020 exam - particularly in Economy and polity- very
few of them required actual factual GK knowledge.... in Majority of them eliminate the wrong options through some application of concepts.
● कोई नई और गप्ु त ककताब है उर्में र्े र्ारा माल पछ
ू ा गया था इर्ललए आपने 2021 में जो र्ब लोग नॉमसल पढ़ते हैं (e.g. laxmikanth, spectrum etc) वह र्ब छोड़कर कुछ गप्ु त
तरीके र्े अलग तैयारी करनी है ऐर्ा बबल्कुल नहीं है
A01] 🖊 Mains: Strategy / book list/ How to begin preparation?

Given in these articles
1. https://mrunal.org/2020/05/download-upsc-mains-general-studies-paper-1-topicwise.html
4. https://mrunal.org/2018/10/dl-upsc-csm18-gsm4.html
A01] How to prepare IR/diplomacy?
IR: strategy and the topic wise mains papers (GSM2) given in the following article
https://mrunal.org/2020/06/download-upsc-mains-general-studies-paper-2-topicwise.html#1776
A01] 🖊 What to do for Essay Preparation?

- In the market there are lot of readymade books available for the essay. However, as far as the Civil Service exam is concerned they're
not very useful.
- you have to manually gather the content and cultivate the skill for essay writing. Common resources include:
- 1. Last 3 years Yojana and Kurukshetra magazines: They are available in English, Hindi and other Vernacular languages. They can be
downloaded for free from their official website: http://yojana.gov.in/Recent_archive_2018.asp (Tip: Replace the year in URL, when you
want to access previous years). There is no need to read each and every article, at least go through the preface / Editor’s Note in the
beginning of each PDF.
- 2. Last 3 years economic surveys available for free at indiabudget.gov.in/bspeecha.asp. No need to read entire PDFs, just the
introductions and conclusions of each chapter.
- 3. IGNOU MPS-003 module. Available for free at egyankosh.ac.in
- 4. NCERT textbooks, especially those related to Sociology, Political Science and World History.
- 5. Newspaper Columns: English (TheHindu or IndianExpress), Hindi (JanSatta). In the vernacular language newspapers (e.g. Divya-
Bhaskar Gujarati etc)= the quality of the column is not worthy of civil service exam essays.
How to approach the essay topics that were asked in the Mains 2020?
Refer to this video solution prepared by Rakesh Verma sir https://www.youtube.com/watch?v=po4q9S8A4CQ
A01] ⏰How to prepare ethics

- For ethics there are many books available in market and pretty much all of them are basically copy paste Maal from Wikipedia/internet
pages. you can use any one which you can find for cheap price
- Plenty of courses are going on in unacademy and also available on YouTube playlists you can watch a a few of them to understand the
theories and thinkers related to ethics.
A01] ⏰Too many lectures/unable to find time/Time management/how to start /General strategy?
next year (2021), the gap between prelims (27/6/2021) and mains (17/09/2021) is very less... Hardly 82 days = less than 3 months between
Prelims and Mains. That's barely sufficient time even to revise the Mains, Ethics and Optional syllabus!
So it is desirable that you are finished with Optional subjects (And some parts of Mains like world history,Internal security, ethics, Mains specific
International Relation etc.) at least once by the end of December 2020 (if not then by mid-February 2021). So that next year between the
Prelims and Mains, you only have to revise it with the current affairs, and instead start from scratch.
Is it possible? the answer is yes, but it requires that you should be very meticulous in how many hours you are spending in watching lecture
videos. If something can be understood by reading it for 20 minutes then no point in watching its video for 40 minutes. जो िीज पढ़ कर र्मझ
र्कते हो उर्का वीडियो दे खने मत बैठो
If you are targeting 2021 finish the live courses in Unacademy in following sequence
1. Optional subject (Because its faculty may not be available live for the whole year so you would benefit by asking the doubts while it is
being done live) >Economy and polity (So you can understand their current affairs in a better manner from newspaper)> (Mains specific
chillar subjects like world history,Internal security, ethics, Mains specific International Relation etc.) > (Environment geography disaster
management) > history-art culture > and at last stage Science Tech and current affairs. [Feel free to make internal modifications
depending on your comfort level, And availability of the live teachers]
2. Until you are done with the above core things, you should not waste time in fancy things like daily quiz, daily answer writing etc [
Because such daily things are created for the pageviews and marketing purpose rather than for the utility in real exam].
3. If you can learn something by reading it for 20 minutes then there is no need for watching its video for one hour. e.g. If you
apply this rule for preparation of polity then Many of the topics such as fundamental duties, human right Commission, National
Commission for Women...will be finished in no time from Laxmikanth's book. IF only a given teacher is teaching 'deeper' insightful things
beyond what is given in Laxmikanth then you should attend their 2 hours lecture on the matter. (AND/OR If you're facing difficulty in
comprehending a topic). Apply this rule in all the subjects. अगर कोई लिक्षक लर्फस लक्ष्मीकांत की र्मरी ही पड़ा रहा है तो भाई वह आप खद
ु भी पढ़ र्कते
हैं बबना वीडियो दे खें तो और जल्दी खत्म हो जाएगा क्योंकक वीडियो दे खने के बाद भी ककताब तो पढ़नी है ! वीडियो लर्फस उर् िीज का दे खना िाहहए जजर् टॉवपक को
र्मझने में आपको हदक्कत आ रही है .
4. Current affairs is not a separate subject पूरा हदन उर्की हाय हाय मत करो
a. it overlaps with the traditional six subjects that are Geography, environment, economy, polity&IR, history, science technology.
All the reputed teachers will teach both the theory as well as current affair embedded within their course itself.
b. So this anxiety and Mania among the students ke “Separately daily mereko 2 hrs current affairs krnaa hai”.... That should come
at a later stage. First priority for a first attempt student should be to finish the core subjects.
c. Once you have finished the core subject including the analysis of its previous years papers then automatically you will see how
much current affairs is relevant in what parts of the subjects.
d. Unnecessarily some of the freshers are spending too much of their time on preparation of current affairs daily. see slide
29 onwards in this lecture: https://unacademy.com/class/comprehensive-strategy-to-crack-upsc-cse/PL7KLWIX
5. one should not spend more than 30 to 40 hours a week watching lectures.
a. the remaining time should be spent in actually reading the books and study material (minimum reading list list is mentioned on
the page 1 of your handout).
b. No need to watch videos of things which can be easily understood by simply reading the book
6. Other reasons why people unable to find time is because they spend two hours reading the newspaper/PIB/IDSA, they make a
necessarily notes from books which are already present in the format of revision notes (e.g. Laxmikanth), They watch videos of things
which can be easily understood by simply reading the book.
7. More details covered in my “Comprehensive Strategy 2021” video during Unacademy Summit. Please watch it at following URL:
https://unacademy.com/class/comprehensive-strategy-to-crack-upsc-cse/PL7KLWIX
👨‍🏫Suggest me educators for each subject/ Whose lecture should I attend/skip?
For a given subject, Which of the educator is best and which of them is less good or “Watch this teacher’s lecture but do not watch that
teacher’s lecture.” = I am unable to comment or give opinion in that format, because I am a company employee.
1. Step1: Read some basic book by yourself such as NCERT or Laxmikant or Spectrum. Then Go through the previous years topic wise
question papers for prelims and mains. It will give you an ample idea of what type of questions are asked and how much depth is
required for a given topic. You will find them at https://Mrunal.org/prelims and https://Mrunal.org/mains
2. Step2: You can find the list of all good educator with ranking at https://learn.unacademy.com/plus/goal/KSCGY/educators or you can
find them subjectwise at https://learn.unacademy.com/plus/goal/KSCGY/topics
3. you can look at educators’ ranking and their total watch time, sit in a few lectures, it’ll give a good idea. And because you have
already observed the previous years question papers to have fairly good idea on whether they are teaching in an exam oriented manner
or not.
4. Step3: one should not spend more than 30 to 40 hours a week watching lectures remaining time should be spent in actually reading the
books and study material (minimum reading list list is mentioned on the page 1 of your handout) Please see slide number 20 and 21 of
following lecture And design your weekly allocation of lectures versus reading accordingly https://unacademy.com/class/economy-
introduction-faq-about-course-upsc-prep/JDQMR3FR
A01] How do I evaluate myself after finishing the topic?

- In case of the economy, it's simple. I have given all the previous years upsc questions from a given topic in the handout itself. and
afterwards we are having a weekly test from handout. so if you solve it with a sufficiently good score then move to next topic.
- You should work out a similar mechanism for all the other subjects under general studies.
A01] Do I have to study NCERT? Which standard's books?
- For economy no need to read any NCERT or Tamilnadu books, except class 11 NCERT Indian development.
- for other subjects like polity, history etc, which NCERT is need to be read? = is given on first page of your hand out.
- Further watch this video abt How to approach NCERT? https://www.youtube.com/watch?v=gVtExeJtuz0
- Basically (For History and geography)= go through class 11-12 NCERT first and then move downwards to 10->9->7.. like that. Besides
most of the class 6 level matter is also covered in the higher-level NCERT so therefore it is not necessary to read each and every
page of class 6 NCERT textbooks. िुछ लोग 5 महीने ति छठी िक्षा िी एनिीईआरटी लेिर बैठे रहते हैं तो भाई आप यूपीएििी िा अिल सिलेबि और
तैयारी िब िरने वाले है ?
A01]Where can I download TamilNadu Text Books?
http://tnschools.gov.in/textbooks
A01] Do I have to read NIOS if I am reading Shankar IAS for environment?
- NIOS Cover certain areas of environment theory which are not given in Shankar.
- So even if you are not reading NIOS from first page to last page at least glance over the topics and see which ones are not covered in
Shankar IAS book
A01] Where to download the Tamil Nadu history textbook (new edition)?
Tamil Nadu Stateboard history textbooks are quite good. esp. the latest editions with colorful photographs.
They are available for free download on their official website
http://tnschools.gov.in/textbooks
A01] Do I have to study the second Administrative Reforms Commission (ARC) report for mains?
- If you have just started the preparation of UPSC exam then first focus on the core subjects of prelims.
- There is no need to read the full length administrative Reform Commission report. It has very limited use in the mains GS paper2 and
paper4.
- And even for mains, you can refer to summary article/summary video of 2nd arc = more than sufficient.
- if you have just started the preparation then 2nd ARC must not become your first and primary priority. pahele toh aap prelims syllabus
finish kro.
- Unacademy model is multiple teachers will teach multiple subjects for prelims and mains. but student should prepare as per his own
priorities.
- If someone has opted public administration as an optional subject then he should go to the more detailed study of the original report.
How useful are the scanned copies of the topper notes?

Preparation of any subject your primary resource should be the standard reference books and/or coaching notes Provided by the teacher for
example in my case my economy handouts
When toppers prepare a note they are not preparing it for other students they are preparing it for themselves so for example if a topper
understood well how the repo rate works he may not even write it in his notes. Therefore, you can use the topper notes as a supplement for
reference to find out some great content particularly about the optional subject or ethics but as far as the routine subjects of general studies are
concerned the cost benefit may not be so great Just like that marginal utility concept which we learned/or will learn in the microeconomics in the
last two classes of this course
Should I watch Rajya Sabha TV debates?

First priority should be to finish the core syllabus before engaging in all these side activities
The amount of additional knowledge gained by watching the the Rajya Sabha TV debate is minuscule I don't really see it as the best utility of
time however if someone has already cleared the preliminary exam 2-3 times they are left with more spare time so they can engage in such
luxuries
For example whether the Neet examination should be postponed during the Corona even for such thing they have 45 minutes to 1 hour debate
show where you could simply read it from some article within 10 minutes and move to the next topic
A01] PIB is a separate subject?
● if there is some important exam-worthy news in PIB then it will be again highlighted in the newspapers and it will be covered under the
current affairs PDF files and the coaching lectures for the respective subject, for example, economy, polity, environment, science
technology, international relations
● so PIB is not a separate subject. you need not prepared separately
A01] Do I have to study Niti Aayog reports as recommended by some toppers?

- No need to read that Niti Aayog report because its good points (Related to circular economy 5 trillion dollar economy, agriculture
sustainable development, 75 year vision, etc) are already covered in my handout under pillar 4 and pillar6.
A01] How to prepare for the governance topic in mains paper 2?
- Covered in my “Comprehensive Strategy 2021” video during the Unacademy Summit. watch it at following URL:
A01] How to prepare for the ethics topic in mains paper 2?
- Covered in my “Comprehensive Strategy 2021” video during the Unacademy Summit. watch it at following URL:
A01] How to read "X" book? give me strategy?
most of the competitive exam books contain 600 to 900 pages.
You have to start reading them eventually will get the hang of it.
also go through previous papers. So, you will also get idea which topics are frequently asked and then revise those chapters are frequently.
A01] Do I have to join a coaching institute in Delhi?

● It is not necessary to go for coaching at Delhi. many people have stayed in their own state and prepared and clear the exam. You can
find Many such toppers interviews at https://mrunal.org/toppers
● Further your unacademy plus subscription gives you access to all the subjects for prelims mains optional which further removes the
need for joining a Delhi Coaching Institute.
A01] I've just passed class 12 / still in college?
● Since you have just passed the class 12 I would also advise you to focus on your college studies and strive to get at least first class in
all the semester exams.
● Because In some of the non IAS exams such as RBI, CAT, AFCAT (Airforce) etc They require certain minimum passing marks in the
graduation. So do not neglect your college studies.
A02] Current Affairs / Newspaper related doubts
📰Current affairs(CA) preparation/ Current PDF/Newspaper skip/Notes?

1. upto how many month's CA do i've to prepare?
2. How to finish the newspaper fast?
3. How to make current affairs notes from a newspaper ?
4. How much to rely on the current affair PDF ?
5. How much time to devote daily for current affairs ?
6. All these and much more:
Answers:
- Covered in my slide 28 to slide 40in the following lecture https://unacademy.com/class/comprehensive-strategy-to-crack-upsc-
cse/PL7KLWIX
● Current affairs PDFs are supplements but not substitute for the Newspaper reading. Which is required for building the
○ clean vocabulary, grammar and language proficiency for the essay paper.
○ Some case studies and quotable quotes for the ethics paper
○ You may also need to follow the newspaper to gather information about your state, graduation, hobbies related questions for the
UPSC interviews
● Also observe the topic wise previous year question papers automatically you will get the idea what type of information is more important
and what is useless. Then accordingly read or glance over the matter given in CA-PDF.
● further, How not to waste 2 hours in reading newspapers? ans. https://mrunal.org/2020/07/daily-thehindu-current-affairs-upsc.html
📰Span of CA for Mains Exam?
Q. For prelims you said read at least D-2 years. Then for Mains how old current affairs to prepare?
Ans. For the 2021 examination ideally you should have prepared current affairs upto last two calendar years that is from 1st January 2019
onwards. Even older things may be asked in the mains exam, which had happened 5-10-15 years back, But have certain significance for the
given topic e.g. India–United States Civil Nuclear Agreement of 2005. You will begin to see it once you have finished the core syllabus and start
solving previous years papers topicwise.
D-2 is the minimum system requirement when a candidate has started the preparation. First you finish that much then automatically within
those news (of last two years) you will find mention of the events that had occurred 5-10-15 years back.
I have just started the preparation how to catch up with the current affairs that went in the past?
do not treat/read current affairs as a separate subject
Most of the current affairs is centred in following subjects
1. ✅Economy & Government schemes but for that you don't have to read anything separately all the previous current affairs are
collectively covered in my existing course and in future win21CSP Series for next year's updates.
2. Polity: basically laws, acts/amendment, Judgement, organizations.
3. Science technology and agriculture: Space launch, medicine, new inventions
4. Environment related summits treaties organizations and judgements
5. Geography - Natural disasters and some other places in news.
6. International relations Summit, agreements, Military exercises
So first priority should be to finish the theoretical portion of these subjects, Observe the previous Questions topic wise → afterwards you can
pick up the the current affairs while you are revising those subject
Download any monthly current affairs pdf file of your liking for the last two calendar years i.e. 1/1/2019 onwards, from sources such as:
https://www.iasparliament.com/downloads
http://www.visionias.in/resources/current_affairs.php?c=ca
You don't have to read them word by word - Just go through the important news items that are related to the above areas. Do not waste time
reading about government schemes from it or economy from it because those things are being covered in my present course.
Rule of thumb is if you can understand by reading something for 20 minutes don't go for videos for 40 minutes. But suppose some topic is such
that you are unable to understand it by reading then only go for its video e.g. article 370
Do not engage in some type of unrealistic strategies like "I will download all the newspaper columns of previous months" then you will be
overwhelmed by the amount of work that you have to do.
Nowadays I am running daily commentary on what news I found important in the Indian Express for the UPSC exam? Ref:
https://www.youtube.com/playlist?list=PLAMBum9_RkuO2A9NqoQ_yzdrygqK0JG6n
if you go through that it will give you a reasonable good idea about what type of news are more important and what type of nonsense is less
important so accordingly when you are doing when you are reading the newspaper as well as the current affairs pdf files you can Cherry pick
the news items
How to utilise your daily current affair series?
Keep habit of reading the important newspaper columns to augment your English vocabulary and articulation skill
Keep reflecting on those ethical case studies that I occasionally cover in such commentaries
Also keep an eye on various PDF compilations so that in case some important thing had come in the Hindu newspaper which was not covered
in Indian Express that also is thus covered by you
Is it compulsory to read the current affairs pdf file even if I am reading the Hindu newspaper daily?
Yes because some low-profile International report or government scheme may have been launched, yet the Hindu may not have highlighted it
prominently or you may have missed notification it in the newspaper. so if you go through the current affairs pdf it will just help you crosscheck
that yes you have not missed anything important.
How do I finish the newspaper fast?
Nowadays I am running daily commentary on what news I found important in the Indian Express for the UPSC exam? Ref:
https://www.youtube.com/playlist?list=PLAMBum9_RkuO2A9NqoQ_yzdrygqK0JG6n
if you go through that it will give you a reasonable good idea about what type of news are more important and what type of nonsense is less
important so accordingly when you are doing when you are reading the newspaper as well as the current affairs pdf files you can Cherry pick
the news items
Do I need to make notes from Mrunal daily current affairs on YouTube?
● From my daily current affairs there is no need to make notes
● because if you click on the video description itself you will find the text of the slide. So if you find anything noteworthy you can just copy
the text from there
● https://www.youtube.com/playlist?list=PLAMBum9_RkuO2A9NqoQ_yzdrygqK0JG6n
● Having said that basically the daily videos only to provide an insight on what type of news are important or not?
● When I have covered enough number of days, I will put a topic wise text-file myself on the website. as seen here:
Which newspaper better Hindu or Indian Express ?
Q) Which newspaper is better for competitive exams? Indian express (IE) or Hindu?
Short ans: if south India AND unable to understanding hindi-medium utube videos/lecture then= theHindu, if ELSE Indian Express.
1) If you are located in Non-South, Non-Delhi states such as Punjab, Rajasthan, Gujarat, Madhya Pradesh, etc then Indian Express state specific coverage
(page 3-4) is better and useful for UPSC interview related to your home-state. Whereas the Hindu not covering them exhaustively. हहिंद ू में हद्ली िे अलावा
वाले उत्तर भारतीय राज्यों िी खबरें िम होती है लेकिन यप
ू ीएििी इिंटरव्यू में आपिे राज्य और प्रादे सशि खबरों िे बारे में पछ
ू ा जा ििता है - ऐिी पररलस्थतत में इिंडडयन
एक्िप्रेि बेहतर है
2) All the current affairs pdf file-walla are covering The Hindu newspaper exhaustively in their monthly PDF. So if you are reading Indian
Express you are learning something new Which may not have come in the Hindu newspaper.
3) Economy coverage in Indian Express is relatively better than theHindu newspaper.
4) Since the last one and half year Indian Express is also providing exam oriented coverage sometimes even better than theHindu newspaper.
5) and most importantly, In collaboration of ICICI sponsorship, Indian Express is providing free e-paper through this link
https://pdf.indianexpress.com/icici/ whereas theHindu demands ₹₹ even for accessing its web-articles after five articles limit.
I am based in South India should I use the Hindu or Indian Express?

- By default Indian Express is preferred- In the south, you can go for Chennai Hyderabad or Kochi edition of Indianexpress.
- however if in the South India,
- if IndianExpress hardcopy price is high / availability is bad / and you don't want e-paper /
- Mrunal is running daily commentary in ine Hindi medium so South candidates may not find it useful due to Language barrier,
they would want to follow some other persons commentary in English medium- who may be doing it in the Hindu, Then you can
go for theHindu.
A02]Mrunal's Daily Indian Express Commentary on YouTube

I am watching your videos on Youtube then do I also need to read the newspaper?
Yes. You should read the newspaper to cultivate the vocabulary and sentence formation for the mains answer writing
For more, watch slide#78 onwards of the following video,
Where can I download the notes of your daily Indian Express commentary?
https://www.youtube.com/watch?v=UzDg74S0Lpw
https://mrunal.org/current
If I am watching Mrunal's current affairs on YouTube should I still refer to some other monthly current affairs pdf
searches Vision IAS/ IAS parliament?
Yes you may refer to them to learn additional points because I am covering Indian Express there may be some other noteworthy development
Through The Hindu newspaper and pib and other resources which are covered in such monthly PDF files so there is no harm in glancing over
them
📰Current Affairs (CA) PDF Vision/IASParliament/3rd party: which one to use?
- Since most candidates follow Vision IAS free monthly current affairs PDF so even if you're using some other institute's CA-PDFs, you
should still keep an eye on it just to ensure that you have not missed any important topic Which may have been prepared by other
candidates. But the problem is Vision IAS current affair files =They bloat it too much with unnecessary data and international reports
analysis and findings and ‘historic perspective’...Which we cannot really write in the mains exam because of the word limit and time
limit. So ‘glance over it’ accordingly.
- Similarly IASParliament PDF files problem = while they give the polity material in a relatively crisp manner but in the environment portion
unnecessarily bloating it with too much coverage.
- I do not have the time to compare and contrast dozen institutes CA-PDF files. Just download A few of them whichever you feel
comfortable with you go for it.
- further thoughts on slide 70 and 71 of my introductory lecture: https://unacademy.com/class/economy-introduction-faq-about-course-
upsc-prep/JDQMR3FR
📰Shd I use Vision PT365/similar YEARLY compilations or Monthly CA PDF?
- VisionIAS pt365 and similar yearly current affairs compilations = They omit/skip many topics from the monthly PDF to combine it into a
single file.
- So better to go for the monthly PDF Because prelim 2021 is very far away and you have sufficient time to cover it.
- further thoughts on slide 70 and 71 of my introductory lecture: https://unacademy.com/class/economy-introduction-faq-about-course-

upsc-prep/JDQMR3FR
📰Monthly current affairs pdf file have 100 pages how do I finish them fast?
- Usually monthly current affairs pdf file have about 90-100 pages but all of them are not equally important for the scope of exam
- it is advisable that first you finish the core syllabus of general studies for prelims for a particular subject (e.g. economy / polity /
environment)
- and also go to previous papers topicwise
- it will give you of Idea on what type of information is more important
- then easily you will be able to wade through the non useful data more conveniently.
- further, So you can create a Excel reference point
- e.g. Polity- read Laxmikanth as base book.
- finish theory
- Then for the current affairs updates e.g. NPR/CAA etc. whatever CA/PDF/PPT material you're using keep it in a separate folder.
- And keep an excel file containing the name of topic and file number /PDF page number to quickly refer to it.
- Then with an Excel you can give the sort command to do the topic wise segregation.
📰"X" course / "Y" educator covering current affairs. Should I watch it or read it manually from some CA-PDF?
Ans) decision benchmarks
- whether educators are providing some text based material for revision after the course is over.
- whether educator is taking 40 minutes to teach something which can be finished in 20 minutes of self reading
- how similar or different It is from the free text based CA-PDF material which is already available on the internet.
CA-PDF strikerate very poor. then Shouldn't I make all the notes by myself?
It is true that strike rate is poor but the alternate to that is making notes by yourself which is not at all possible considering the large volume of
syllabus.And even then the strike rate may be poor considering the randomness of the UPSC questions as seen in the agricultural segment of
Prelims-2020. besides, A) Cutoff is never 200 out of 200 marks B) You don't have to write better mains answers than others you just have to
write Less bad answer than others for getting selected.
📰Should I read the Hindu or Indian Express?
- both are good papers. pick any one of them which you like, and stick with it.
📰my default newspaper is indianexpress. But some toppers are suggesting that an environment portion is
better in the Hindu newspaper. Then what to do?
● if you have decided to go for Indian express, then stick to only that newspaper.
● Whatever science technology Or environment or agriculture -related updates are coming in the Hindu newspaper.= They are being
covered in the free monthly current affairs PDF files, like visionias/iasparliament etc.
● so, you don't have to manually read the Hindu newspaper exclusively for that environment coverage on daily basis. this level of double
effort (reading both indianexpress and thehindu)= will give you poor cost:benefit.
📰How important it is to read The Hindu or Indianexpress newspaper column?
● Do not leave under a false misconception that "The Hindu column is a separate subject of the syllabus."
● No, UPSC has clearly prescribed the syllabus e.g. secularism. So First we should prepared from the class 11 12 NCERT political science textbook.
AFTERWARDS, thehindu/indianexpress columns related to Ram Mandir, CAA etc. are only serving as supplementary material to build your points for
writing better quality of answers.
● You may read either The Hindu or Indian Express column. it is not necessary to read both.
● it is not necessary that each and every column given in the Hindu/indianexpress newspaper is important for UPSC. You just have to build the
content for 250 words answer.
● afterwords, hindu may keep writing 5000 editorials worth 500 words on it, = it doesn't mean we've to keep reading it. Because incrementally hardly a
few new points are gained.
● e.g. Consider their columns on MGNREGA- every month at least 4 times they'll write something- basically just the same points over and over again
that 1) Scheme is only running on paper and people are not getting the actual work 2) the Government should allot more funds for it etc.
● Therefore finish the core-syllabus, go through previous years topic wise papers, write a few answers, automatically you will get idea how much
content is required.
● Also read my article on how to finish newspaper fast: https://mrunal.org/2020/07/daily-thehindu-current-affairs-upsc.html
📰Non-English candidate facing problem comprehending english columns/editorials?
● Why do we have to read English newspaper columns?
● Because they help us getting certain points for the mains and essay e.g. New education policy, work-from-home / e-judiciary ke merits/demerits etc.
● often, this type of Questions asked in UPSC but coverage is not done by the local Hindi/Gujarati/Punjabi newspapers and therefore it is
advisable to read Hindu or Indian Express.
● Because other Hindi/Gujarati/Punjabi medium candidates who are giving second or third attempt they may be doing this exercise so if the first attempt
candidate is not reading english sh newspaper= only then he will suffer in the cut-off race.
● However, If you are facing trouble comprehending the English editorials given in the Hindu newspaper then there are plenty of courses on
unacademy's youtube and plus - which teach them in hindi.

● And secondly it is not necessary that each and every column given in the Hindu newspaper is important for UPSC. You just have to build the
content for 250 words answer. afterwords, hindu may keep writing 5000 editorials on it, = it doesn't mean we've to keep reading it. Therefore finish
the core-syllabus, go through previous years topic wise papers, write a few answers, automatically you will get idea how much content is required
I want to appear in the mains exam in Hindi medium then why should I read English medium paper ?
Even in the mains exam there is a compulsory English language paper that even Hindi medium candidates have to give secondly if a candidate
fails in the IAS exam then in most of the Other non- IAS exam the marks of the English paper are also counted in the merit list so ultimately a
candidate who is Aspiring for success in some government job cannot avoid English medium
📰If a newspaper column is criticizing the government policy should we read it or not?
What is the utility of any topic in the Mains examination not more than 250 words to collect the points for that you should read accordingly once
you have sufficient points there is no need to keep hanging same topics 5000 columns. For example consider the government scheme
MGNrega- every month you will find 3 columns Written In The Hindu and Indian Express criticising the same thing over and over again but
once you have content worth 250 words there is no need to keep reading it again and again.
Difference between current affairs and contemporary affairs

current = last one calendar year
contemporary = older than one year but not theory. e.g. Insolvency bankruptcy code which was passed in the year 2016
A03] Notes Making related doubts

- How to make notes from newspaper is explain also in that introductory lecture: https://unacademy.com/class/economy-introduction-faq-about-
course-upsc-prep/JDQMR3FR
- No need to make notes from NCERT. No need to make notes out of the books which are already in the format of notes e.g. laxmikanth, spectrum, my
own handout on economy, shankar etc. Just revise them multiple Times
- Whether to make notes in form of pen and paper or Digital that is up to your comfort level you will find toppers from both types.
- You should make notes only for the following things
- ✅Optional subject
- ✅quotable quotes for essay / ethics
- ✅interview specific information related to your hobbies, home state, graduation related current affairs development,
- General rule of thumb is Do not waste time making out for general studies
- For economy there is no need to make notes because the notes are provided by me in the form of handout PDF.
- For other subjects,
- other teachers may be providing their PowerPoint handout depending on their method of teaching.
- If you are comfortable with that well and good.
- suppose if you are not satisfied then there is no need to make your own notes for the given subject of general studies because it will take a
lot of time. just use a 'base book' like Laxmikanth / Spectrum etc. and then keep folder of digital notes/PDF/PPTs.
- e.g. Polity- read Laxmikanth as base book.
- Then for the current affairs updates e.g. NPR/CAA etc. whatever CA/PDF/PPT material you're using keep it in a separate folder.
- And keep an excel file containing the name of topic and file number /PDF page number to quickly refer to it.
- Some people dabble in mind mapping and evernote and onenote etc. While I am not saying no to such things but as long as you can keep
the things simple there is no need to over complicate by managing it by pasting it again in a third party "software"]
- Adopt a similar strategy in other subjects.
- Earlier the UPSC exam had only two papers of general studies in the mains exam. Now they have four papers. so the amount/volume of content is
so much if you start making your own knots you will get exhausted and you will not be able to finish the studies.
What type of state specific news should be followed from the newspaper for the purpose of IAS interviews?
State Budget, FC tax devolution and grants, Notable persons, Development schemes, economic reforms, issues related to population, health and
environment, education, corruption, infrastructure, government schemes, accomplishment of the sustainable development goals, wildlife parks and
sanctuaries demographic indicators, geography, climate, disasters excetra
Further in the previous years I have conducted many mock interviews you can watch their videos in the following playlist it will give you more insights on what
type of questions could be asked from the state specific news
https://www.youtube.com/playlist?list=PLAMBum9_RkuNr_NsxnLo6KgreA_yauiOU
A04] Doubts about Revision?

↩️When should I do revision?
What is the benchmark ke You have completely understood a particular topic and you no longer require its revision? Ans = your performance
its mock test and previous years papers.
The format of my course was weekly we studied some 20 to 40 pages of handout and then you appeared on a weekly test
if you did not score up to a particular marks then you had to revise it more. else move to next pillar.
You can work out a similar strategy for other subjects
For example polity = once fully / partially finished (e.g. union, or State or judiciary)→ Go through its topic wise previous tests and a few mock
tests on unacademy.
If you are doing reasonably well then move to the next subject. (e.g. Freedom struggle physical geography)
"REVISION" In the traditional sense comes after the particular subject is over and a few months have passed.
From October to February your priority should be first to finish the syllabus of all subjects.
↩️How should I do revision of GS
● Suppose you are done with the core books of all the basic subjects. (e.g. History environment polity geography excetra) And now you are planning for
their second time of division. then
● Instead of studying 5 subjects parallely per day, you pick up 1-2 subjects books and finish them thoroughly in a block of 10-15 days.
○ Simultaneously solve previous years topic wise question papers so that you get the idea how much is given in the book and how much more
you have to prepare additional from other sources.
○ Simultaneously also read the additional sources for the mains exam preparation. for example,
○ If you have finished the spectrum → while reading spectrum next time, Parallelly you should also read Plassey to the partition book which is
useful for the Mains examination. And similarly you may do the activities for remaining subjects.
● Similarly when my economic course is over and when you are revising it for the second time → you should read the introduction conclusion of the
economic survey volume 2 of the previous years.
Should I read the original book of Laxmikant of spectrum or can I rely on the summary video?
If 10,000 students preparing from Delhi coaching classes have memorized the book of spectrum or Laxmikant from first page to last page but
you are only relying on some summary video or summary not prepared by third party and suppose there is a question which is given in that
particular book but not in your summary note then you will be at disadvantage
↩️Doubt about revision of economy
- As far as my economy lecture is concerned you don't have to make notes, Because the handout itself is revision note. Watch the video only once.
Keep only having some doubt then rewatch the video or see its powerpoint.
- Revision of the handout three times, at minimum
- 1st time = chapter revision Before the weekly quiz
- 2nd time= whole handout Before the brand quiz at the final end of my course.
- 3rd time = whole handout, 3-4 weeks before the prelims. (incl. the FREE updates of Win21CSP series next year, Which will cover next year's budget
and economic survey)
- For other subjects, you may workout similar strategy yourself using the the books and material prescribed on page1 of the handout.
↩️How many days should it take to finish the revision of the entire handout
Ans. It depends on the reading and comprehension power of a person
↩️Doubts: Revision priority for 2021 prelims

icon : = 5 days. = 2 days
Prelims Theory Upto last 2 Yrs Total Study DAYS

Subject Current Affairs
Environment & = 20
Agri
Geo = 15
(India>Phy>Worl
d)
Polity = 20
Economy = 20
History-Freedom N/A = 15
Struggle
History: Art N/A = 7
Culture &
Ancient
History-Medieval N/A = 2
Science Tech (ISRO,IT,He = 10
alth)
IR and defence (Summits,Treat = 4
y related to
economy,
Environment,Geo
graphy)
Total 113 days
Tell me the most important topics of economy for prelims?

● Which pillars of the economy are more important for the exam is given on the page3 table of your handout. beyond that, "Here is a
list of top-100 most imp topics for the UPSC Prelims"= I don't engage in this type of Speculative clickbait articles or clickbait strategies
for getting pageviews, Because they are not helpful in clearing the Prelims exam. UPSC examiners not that much predictable all the time one needs
to exhaustively prepare for the things गचिनी चुपड़ी बातें मैं नहीिं िरता
A05] Medium selection doubts in Mains/Interview

So basically your question is whether I should keep with the Vernacular medium (Hindi/Marathi/Tamil/Gujarat etc) or should I go for English
medium?
1. If you are able to speak and write English without making mistakes in the very basic level of grammar then you can opt for english
medium. It will save a lot of your time in preparation of current affairs, books and material which are easily available in English.
2. There is no need for very high-fi posh level of English for clearing the Civil Service exam. Many candidates have cleared with just
tootaa-footaa english As long as mistakes are not made in basic grammar. e.g. he go to school nhi he goes to school.
🈵Doubt abt medium selection for mains exam?
- slide 25: https://unacademy.com/class/comprehensive-strategy-to-crack-upsc-cse/PL7KLWIX
🈵Doubt abt medium selection for interviews?
- slide 27:
🈵How to improve vocabulary for Hindi medium?

- slide 25: https://unacademy.com/class/comprehensive-strategy-to-crack-upsc-cse/PL7KLWIX
Open above video
Click on the gears/ settings button at the bottom right corner
A new menu will open up there you click on the slides button
So in the right hand side it will show you a column to navigate through the slides
There you click on the slide number 25 and play the video
There you will find the answer in my lecture
How to prepare for the compulsory Hindi language paper for the the Hindi belt candidates?
I think there is a book on grammar and press is writing by unique Publication for this particular paper, you may be able to find it on Amazon.
Alternatively you can also search if any unacademy plus courses available on this matter.
🈵How to improve vocabulary for English medium for Mains/Interview?
- If you want to appear in the Mains/interviews in the English medium then → You don't need Oxford / Shashi Tharoor English fluency.
- As long as you can write/speak English at a normal or medium speed, without mistakes in basic level of grammar, it is fine.
- Any student who is preparing for UPSC exam will definitely accomplish that much. Over a period of time, After reading the newspapers,
PDF material, GS-books in English, Other supplementary resources such as the economic surveys and Yojana Kurukshetra magazines.
- You may watch DD News/RSTV in English, Speak with others in English at your home/friend-circle and eventually you'll reach there.
- "Separately I have to join some English speaking coaching course"=Not required
A06] Optional subject related doubts
A06] 📐How to prepare optional?
Q) Optional subject courses available at
https://unacademy.com/goal/upsc-optional/NYHNH/topics
Further, Previous toppers’ Strategies may be available at

A06] 📐Tell me best educator for X optional subject

I am not in position to do that, Because I do not know what is asked in each and every optional subject so I cannot rationally judge who is good
and who is bad!.plz go thru here https://unacademy.com/goal/upsc-optional/NYHNH/topics Attend a few classes go through previous papers &
books, and judge accordingly
A06] 📐My option subject not available in unacademy Plus?
However there could be a possibility that your optional subjects course may not available in above list at present, And or perhaps only a small
set of strategy videos are made instead of full length course. But make good use of it to at least identify the booklist and trend of question
papers. Further, Previous toppers’ Strategies may be available at https://mrunal.org/toppers
Unacademy is continuously onboarding new educator's for the the optional subjects as well in future there could be teachers in this subject as
well. You may also send request at help@unacademy.com
A06] 📐Should I drop my graduation subject to select Humanities subject?
- The level of optional subject papers’ difficulty in UPSC exam is little higher than the bachelors’ degree (i.e. 3 years courses) and little lower than the
masters’ degree (i.e. 2 years courses).
- So, If you take up a subject which you have not studied in the graduation then it is going to take at anything between 4-8 months’ preparation to gain
mastery for it (Depending on how many hours you are investing on it.)
- The notion that Humanities subjects like sociology public administration political science have overlapping with the general studies = so we should
take them= It should not be your primary consideration. Because hardly in one or two question of GS Mains papers, you will get to you have the
chance to show your your optional mastery. Otherwise traditionally a lot of these optional subject matter deals with thinkers, theory, philosophical
concepts not related to general studies. If you dislike reading such things then it will be difficult for you to sit with the books for a long time.Then
people simply rely on the readymade coaching notes for optional subject, while they help finishing syllabus fast’ but not always guarantee best marks
in the answer When the evaluators are looking for more death then superficial bullet points .
- A known devil is better than an unknown Angel. So you have to weigh how Comfortable you are with your maths/medical
science/engineering/commerce/B.Sc graduation subject. You may be able to finish it much faster compared to selecting an unknown optional subject
Which you have not studied in graduation.
- On YouTube people will make all type of clickbait strategies like “Take off Anthropology subject it has very short syllabus and you can finish it within
the three months By reading just 3 books”. But Every subject has senior players who have studied more number of academic books beyond
‘prescribed minimum list’, and prepared more better quality of points and notes, to get more marks in mains. So, this whole craze of ‘short syllabus’
also Need to be taken with A Pinch of salt.
- Only if you are very weak in your college graduation subject, and want to explore some other optional subject then you may do so.
- At the end of the day there are toppers from every optional subject. Once I met a topper with SINDHI Optional subject (Whom every coaching wala
advised that he should take traditional subject like Political science sociology or public administration).
- If 200 candidates are appearing with law optional subject and only 20 are getting interview call then the remaining 180 are always going to bad mouth
that law is a bad subject. But, IS UPSC a rice distribution scheme of Government ke Everyone standing in the queue must get the 5 kilogram rice?
- To conclude
- 1) First priority select your graduation subject if you are comfortable with it. See this advice by Rank#20 NEHA in one my recent interviews
https://www.youtube.com/watch?v=zxG9_sOvcOM&t=1072s
- 2) If you are not comfortable with your graduation subject for the graduation subject is not offered as a optional subject (e.g. Computer engineering,
pharmacy etc.) Then explore other subjects
- 3) Among those other subjects select the one in which you have some interest So that you can sit with it for a longer period of time, and some level of
guidence/strategy/booklist is available.
Engineering subject versus Humanities

If you are comfortable with your graduation subject that is electric engineering then you can opt it because you can also use the same knowledge for
appearing in the Indian Engineering Service exam as well as the GATE exam which can help you land in a good job in the the government and public sector
undertaking jobs for example GATE score can be utilised for the ONGC Coal India and other exams recruitment
However, if you are not comfortable with that you may explore other optional subject from Humanities such as Geography Anthropology Sociology and
political science public administration and so forth an optional subjects like law, psychology, philosophy, economics etc.may be explored and there may be
candidates who have cleared those with the despite not having background in the law economics but then prerequisite is that you need really really good
quality of optional subject coaching faculty and also your own acumen and interest in the subject should decide accordingly.
A06] subject "X" appears easy to me after looking at its previous papers. Should I take it?
- if you casually observe the optional subject question papers of agriculture, medical science, law → even they will appear very easy to a layman. but
the scoring will be very different. When their own subject-graduate is writing it versus the non-MBBS or non-LLB or non B.Sc (Agri) graduate is writing
it. because there will be many advanced concepts which you may not be familiar with
- so by default technical nature subject should be avoided unless
- A) you have done graduation in it OR
- B) you have not done graduation in that subject, but your coaching faculties is extremely, extremely good.
A06] subject "X" is very small and easy scoring?
● short Syllabus and easy scoring subjects = these are myths.
● because in every subject, you've to compete against senior players who have read more books and who have revised more often. So
no subject can be said easy scoring subject.
● these are all marketing myths peddled by the coaching subject faculties to encourage student to select a particular subject
● if philosophy or psychology subject is shortest and most score Then why are not all the toppers from rank1 to rank 100 from that subject only?
A06] 📐Which one to pick from PubAd/PolSci/Socio

● In terms of structure, length and relevance in GS Mains papers = they are nearer to each other. And good number of courses are
running in unacademy plus for each of these three subjects
● So pick either one based on your personal taste / interest. Some failed candidates may say do not select public administration because
papers are very tough. Some failed candidates will say do not take sociology because a less number of candidates are given interview
calls than polSci. Basically those who do not get the interview call will bad mouth their optional subjects.
● But at the end of the day there are a good number of toppers from all three subjects. so it all depends on your personal interest because
if you do not have personal interest then you will feel very very bored to sit through the long hours of reading thick academic books of
such subjects.
A06] 📐Which one to pick between (Short syllabus) vs long Syllabus walla Optional?
This is also one of the frequently asked question where candidate may be feeling dialogue between short syllabus on side (Political science,
sociology, Anthropology, public administration) vs long syllabus on the other side (Geography optional, history optional)
My general answer is as following

Side-A: history/ geography
+ve is overlaps more with GS than sociology.
-ve is Some candidates may find it syllabus lengthier to complete and it also involves some mapping type of factual questions = some
candidates find it very burdensome
Side-B: (Political science, sociology, Anthropology, public administration)

- While some candidates may say that it has relatively shorter syllabus than history / geography
- but in real UPSC exam short syllabus has become a myth
- because you are competing against candidates who are giving mains exam from 2-3 attempts usually in the all this sociology political
science public administration type optional subjects such senior candidates they would have revised the books more often and they
would have memorized quotation of many thinkers, they may also have read some journals / research papers to get some extra points.
- So taking humanities optional subjects does not automatically give "some type of licence" to clear the Mains examination it also requires
effort.
- So, ultimately boils down to how much you feel comfortable with the given subject. Because if you find it a boring chore then it'll be
difficult to finish it.
- Some people may even prescribe take psychology or philosophy as an optional subject, but i for one, will not take them Because woh
subjects mere dimaag mein utarte hi nhi...I don't see myself sitting with those philosophy books 3 hours everyday. But there are
candidates who feel comfortable with it then they may even explore such optionals!
A06] 📐Should I take economics as an optional subject?

● Economics as an optional subject also involves graphs, thinkers, theories, even a little bit of mathematics.
● So non-economic background candidate may face certain difficulties and boredom. One should not randomly pick economics, up just because he
enjoyed my general studies course on economy.
● Because in the optional subject the depth and trend of questions is slightly different than what you see in the GS-economy. You should go through
the full syllabus as well as the previous years papers.
● If you are interested in picking up economics as an optional subject -
● You can access the economy optional subject Courses by other teachers- everything is unlocked for free with your plus subscriptions at
https://learn.unacademy.com/plus/goal/KSCGY/topics
● Presently I have no plans for doing optional economics subject course.
A06] 📐Is Law not a good optional subject?

Some senior candidates who have repeatedly failed with the law optional subject they keep complaining that it is a bad optional so I asked the
same question to law optional topper Ms. Akarshi Jain (Rank 140/ CSE-2019)
her answer was:

If a new player wants to pick your subject, would you advice for it or against it?
I would advice for it, especially if the person is a law graduate. Even though the course is a little bulky, it will be rewarding. One, the subject is
extremely interesting. Two, the legal knowledge is helpful even in GS papers (like, GS 2).
For students who aren’t law graduates, I would suggest to go through the syllabus and basic concept ones. Depending upon their comfort, they
can opt for it as the question papers are more concerned with the impact of the law rather than its technical details.
for more about her strategy, read https://mrunal.org/2020/08/upsc-topper-rank-140-akarshi-jain-law.html#_Toc49619757
for more such interviews

Tell me the book list and strategy for medical science

read the strategy given by IPS Dr. Jitendra Agrawal (Rank-128/UPSC-2019) Last Attempt, Medical Science Optional, no Coaching
https://mrunal.org/2020/08/upsc-topper-rank-128-dr-jitendra-agrawal-medical-science.html#_Toc48640889
A06] 📐Sanskrit/Sindhi/Assamese literature or some other very lesser known subject - shd I take it or not?
Once I met a student who had cleared the UPSC exam with Sindhi literature - for which he had received No formal coaching, no support from any senior
student /topper from that subject (because he couldn't find anyone), Yet he cleared the exam. So, It is possible To clear the exam with even low profile
optional subject. key to success is - previous paper analysis, proper completion of syllabus from standard books and if possible show the past papers to
some Government College Professor of that subject, So he can guide you from which book those questions were asked.
A06] 📐Tell me the book list and strategy for Gujarati literature optional
strategy given here
https://www.youtube.com/watch?v=GLjyIuYnLy0&list=PL0A116218CF7AB117
also some topper notes here

https://mrunal.org/category/opt-guj-litt
A06] Optional Subject "A" vs "B"

For a given optional subject- You should go through previous years papers as well as cursory glance over some academic books (available on
"google books" free search engine) and some of its youtube lectures, to see which of subject interests you. Because if there is no interest then
very difficult to sit with an optional subject for so many months.
A06] 📐Notes making for optional subject
First you should read whatever 4-5 core books are there for given optional subject. Afterwards it will give you an idea of what topic is given
under which books which chapter? Whether you should make notes out of all of those topics the answer is no?
Suppose the syllabus topic is very straightforward: Indian vs American constitution ( such syllabus topics will be there under the political
science and public administration optional subject) However this type of topics are comprehensively covered in many books/websites in a
revision friendly manner. So there is no need to make self-note out of it. you simply memorize it after revising it multiple Times.
However humanities optional subjects also contain lot of thinkers for example Max Weber / Plato /Chanakya (e.g. for Political science public
administration sociology) then Whatever the nuggets of wisdom are given by them= may be spread across multiple books. In that case you
may have to prepare some notes for rapid revision.
"From day 1 and book 1 itself I will start making notes"... please don't do like. It is as irrational as saying "I will start mains answer writing from
day 1" you first go through the books → become familiar with the subject first. → Notes making comes afterwards, mains answer writing comes
afterwards.
Your website study material for public administration, political science is not downloadable?
Once upon a time I did not have enough money to renew the server subscription so they deleted my files and so I have lost them and later on my hard disc
also got corrupted so I am unable to recover those things at present however if you are just looking for the IGNOU BA and material of political science you
can download it from the the IGNOU official website known as egyankosh.ac.in
A07] Doubts on Interview Preparation

How do I improve my personality for the interview?
There is no need to live under such here plenty of students who do not have superstar personality have also cleared the exam so simply focus
on your studies confidence will come automatically when you have command over the subject to develop the command over the subject.
therefore, Your first objective should be to complete the syllabus of general studies
How do I improve my Confidence, command and communication skill for the interview?
Confidence and communication skill comes with Command were the knowledge and vocabulary. so inevitable it requires you to finish the
general studies syllabus first
you can you should participate in some discussions with your family, friends, classmates, people in the library etc.
But at this stage your first priority should be to finish the syllabus of the exam because the prelim is coming very near rather than worrying
about what I will do to improve my communication skill for the interviews.
insecurity over Blank years in biodata?

Many interview candidates have the similar level of profiles that they do not have any job experience and completely doing the UPSC studies for 2 to 3 years
because the nature of competitive exam is such that it requires full time preparation so it is inevitable that some students will have empty years in their
biodata and yet they have cleared the UPSC exam because even UPSC interviewers know that thing. so there is no need to live under some type of inferiority
Complex that what will I say and what will I do? if they ask me such question when the simple answer is so = I was preparing for this exam and that's why I
have the blank years in my biodata because if I opted for a job I may not have been able to prepare fully for this exam
A07] 💬🤵Insecurity about the DAF form?

Q. I do not have any hobby, extra curricular activity, certificate / college medal/NCC, Leadership positions. Then what to write in the
DAF form of UPSC, which is to be filled after clearing prelims exam?
Ans. There is no need to live under any inferiority Complex like this. Plenty of toppers have kept those columns blank because they did not
have the medal / accomplishments. and yet they have cleared the UPSC exams, and so you can also take the UPSC exam. Unlike the
superheroes in the "Avengers:end game" movie, We cannot go back in time machine to fix the things which we could not do in class10-12-
college. So there is no point in worrying about it.
Correspondence address & state-based interview Qs

In your mains application form you will have to write the address for correspondence, college, job and preference for home cadre (i.e. If you get
selected in IAS or IPS which states you want to get posted as your home cadre state). So questions will be formed on those locations. So it
depends on which states you are mentioning. if you write correspondence address Jammu- They will ask questions from Jammu and so
basically, whatever is visible in the form then there is a danger of interview panel asking something. it is for this reason many smart and senior
candidates Try to mention Limited number of places only! for similar reason, they mention only 1 hobby instead of 3-4. kyoki form mein jitnaa
jyada likhoge, utne jyada interview Qs study krne honge!
A07] 💬🤵When and how to start interview prep?
● Final UPSC result has come in August-2019, and many YouTube channels are uploading the mock interview videos but that does not
mean that a Candidate should drop his prelims/mains preparation and directly jump to Interview preparation.
● To equip yourself for the interview first of all you have to finish the prelims and mains syllabus of general studies.
● Also while preparing the current affairs from newspaper you may keep your habit of noting down current affairs related to your home-
state, hobbies, graduation etc
● After the mains exam is over additionally you'll have to prepare them more thoroughly, Using Google search and library books.
A07] 💬🤵Interview: Possible questions from my graduation hobbies and work experience?
- In August 2020 UPSC declared the final result of CSE-2019. Afterwards, we started uploading mock interviews of the successful
candidates on youtube. ref: https://www.youtube.com/playlist?list=PLAMBum9_RkuNr_NsxnLo6KgreA_yauiOU
- Consequently there is a new found Enthusiasm among the students "My hobby / graduation is xyz what type of questions can be asked
from it?"
- Ans. You will find some of the routine question in the article series at https://mrunal.org/category/interview-prep
- Beyond that, it is difficult to give a specific reply to each of such query. otherwise a lot of time will be spent in finishing the FAQ file,
Which is primarily meant for asking questions related to ongoing economic course.
- Nonetheless someday I will create some article or special class on the subject of hobbies graduations and possible questions from it
- but at present - it should not become my or your priority. Our first priority should be prelims cum mains preparation for 2021. प्रीसलम और
Mains िी पढ़ाई गई भाड़ में! पहले िबिे पहले इिंटरव्यू में िौन िे प्रश्न पूछे जा ििते हैं उििे बारे में मझ
ु े बताइए= not possible.
What type of state specific news should be followed from the newspaper for the purpose of IAS interviews?
State Budget, FC tax devolution and grants, Notable persons, Development schemes, economic reforms, issues related to population, health and
environment, education, corruption, infrastructure, government schemes, accomplishment of the sustainable development goals, wildlife parks and
sanctuaries demographic indicators, geography, climate, disasters excetra
Further in the previous years I have conducted many mock interviews you can watch their videos in the following playlist it will give you more insights on what
type of questions could be asked from the state specific news
https://www.youtube.com/playlist?list=PLAMBum9_RkuNr_NsxnLo6KgreA_yauiOU
A07] 💬🤵If everyone knows the booklist and strategy then why only few people get selected?
1. Time management and sincerity in the preparation. Not wasting time in WhatsApp Facebook and other time pass activities
2. Learning from the mistakes of previous attempts.
3. Observing the past years papers and accordingly keeping the preparation within the border of UPSC syllabus. And judiciously devoting the the time to
each area of the syllabus, Instead of excessive focus on current affairs and daily news analysis, daily MCQ quiz and daily mains answer
writing . गचिनी चुपड़ी बातें िरनेवालों िे चक्िर में आ जाते हैं.
4. If they can understand something by reading the text for 20 minutes they will not waste 1 hour watching the video. पूरा हदन बि वीडडयो दे खते रहते हैं
5. Frequent revision.
6. And so forth
7. And lastly yes some amount of luck.
A08] Age/ Attempt/ Cut-off / medical condition / eye sight / chest etc.
Minimum age required / age limit

general rule is You need to be 21 years old on the 1st August of the given year for the UPSC CSE exam.
go to this site
https://www.calculator.net/age-calculator.html
enter dates
calculate age,
if it is showing something like "20 years "X" months and "Y" days" = then not eligible.
Category UPSC Age Limit- Upper Number of

Relaxation Attempts
General 32 6
OBC 35 9
SC/ST 37 Unlimited (Up to

age limit)
Disabled Defence Services Personnel 35 9
Ex-Servicemen 37 9
Persons with 42 9
Benchmark Disability – EWS
(Economically weaker section)
Where to download the full syllabus, age, attempt, eligibility?

Download the notification from this page https://www.upsc.gov.in/sites/default/files/Notification-CSPE_2020_N_Engl.pdf
It contains the official syllabus and all the rules of the examination
i'll be in last semester in 2021. then will I be eligible to appear the UPSC-2021?
In the UPSC Prelims 2020 result was declared within 19 days of of conduct in the Prelims exam then candidates were required to to fill up
another form before the main examination this form is known as detailed application form (DAF) where you have to upload the scanned copies
of your college marksheet caste certificate among other things
If we extrapolate these timelines and assume that UPSC will do the same next year then following scene will happen
UPSC will conduct the Prelims exam on 27th June 2021

Prelim result will be declared on 16th July 2021
DAF form will have to be uploaded by 4th August 2021
So by that date if you are getting at least with the provisional mark sheet of your final year for final semester exam then yes you are eligible.
A08] 🩺Medical standards / eyesight / chest/ height etc for UPSC?

"My eyeglasses number is this much, my chest or height is this much, I am suffering from this disease"...So am I eligible for the UPSC exam or not ?
plz see the rules Around page 307-311 of this PDF:
- https://www.upsconline.nic.in/daf/daf_csm_2018/eGazette_CSM_Engl.pdf
- if above link doesn't work, then here is a copy on server#2:

http://www.mediafire.com/file/7zirboh1d8gom5x/UPSC_Gazette_Notification_2019_Eyesight_std_page307.pdf/file
A08] 📊How many marks do I have to get to get selected in the UPSC?
also known as 'cut-off'. वैिे इि टाइप िे र्ालतू िवालों िे जवाब गूगल िचफ िे खुद भी ढूिंढ ििते हैं
A08] 📊Cutoff-Prelims: general Studies Paper 1 out of 200 marks

Prelims General EWS OBC SC ST PH (various Total
categories) Marks
2019 98 90 95.34 82 77.34 40.66-53.34 200
2018 98 N/A 96.66 84 83.34 40 to 73.34 200
2017 105.34 N/A 102.66 88.66 88.66 40 to 85.34 200
2016 116 N/A 110.66 99.34 96 40 to 75.34 200
2015 107.34 N/A 106 94 91.34 40 to 90.66 200
2014 205 N/A 204 182 174 113 to 167 400*
2013 241 N/A 222 207 201 163 to 199 400*
A08] 📊Cutoff-Mains
Final Selection General EWS OBC SC ST PH (Various Total
categories) Marks
2019 961 909 925 898 893 653-890 2025
2018 982 N/A 938 912 912 718-908 2025
2017 1006 N/A 968 944 939 830-948 2025
2016 988 N/A 951 937 920 817-951 2025
2015 877 N/A 834 810 801 697-830 2025
2014 889 N/A 844 830 811 713-816 2025
2013 775 N/A 742 719 707 613-725 2025
For more, read the cutoffs here:

https://www.upsc.gov.in/sites/default/files/Cut_Off_Marks_CS2019_Eng.pdf
Graduation marksheet certificate related eligibility doubt

- After the prelim result is announced UPSC will require you to fill up another form called detail application form (DAF). With this DAF
form you will have to upload the scanned copy of proof that you are a graduate
- While filling up the DAF form for the mains exam, If you have the provisional mark sheet of the final year or final semester= it will be
sufficient. Even if you do not have the final Graduation certificate.
- In 2021 we can expect that prelim result will come in July/August so accordingly you make the projection of when you will need this
certificate.
A09] General Doubts about Preparation → Others / Misc
Overwhelmed by the information overload

Basically one needs to finish the syllabus at least once and go through previous years topic wise paper then you will automatically get idea
what type of information is important or not important for the scope of exam. this is a skill that will not come on day one itself you have to keep
some patience & continue preparing. automatically you will begin to realise how and why is something is less important for the scope of exam.
A09] 😖unable to focus in studies/ unable to remember
If a person has joined the unacademy plus that means he has paid fees =which means he (or his parents) are serious about the exam so then,
If unable to focus on studies it means:
- Reason#1: is a brain chemical named dopamine which encourages student to check
Facebook WhatsApp Instagram Telegram Netflix Hotstar etc every two minutes. So, for de-addiction, first installing a free app named
"forest" https://play.google.com/store/apps/details?id=cc.forestapp&hl=en_IN
- Reason#2: Priority of the exam is not clear. When a person is studying history, his brain starts to wander that I should do current
affairs. When he is studying current affairs from "X" source, brain starts to wander whether "Y" source will be better. Well self
determination is required that I have taken of this particular material so first I will finish this before anything else.
- Reason#3A: Person is overly sensitive and even on the slightest negative remark given by parents /cousins /relatives / friends he gets
so disturbed that he is unable to focus for the whole day - Because he just keep thinking about it instead of studying.
- Reason#3B: Aashiqui. person is engaged in boyfriend/girlfriend/breakup tmaashaa. Some people clear the exam in first attempt, but
for many it is a struggle that takes multiple attempts. Those who are with you at present= will not necessarily remain with you by the
time your struggle/attempts are over. So you have to decide whether your career is important or your soulmate is more important.
- Reason#4: Person has no internal motivation to become Civil Servant. he is only doing it on advice of parents and friends. And
therefore he always in lazy and bored attitude towards the books.
Should I simultaneously prepare for two exams at once?
Given the high level of competition in UPSC exam how can candidates also prepare for some other exam as career backup however it all
depends on how much time is available to a person otherwise if you try to prepare for two exam but unable to give proper justice in syllabus
completion to either of the exam then it is not fruitful
आधी आधी तैयारी िरिे तो एि भी परीक्षा में परू ी िर्लता समल नहीिं ििते
so depending on the exam dates you can first try to finish the entire syllabus of one particular exam (e.g SSC or UPSC) in your first attempt
and afterwards in your subsequent attempts you can also continue. Giving more exams because then it will not take more time for you to
prepare for it Since most of the general studies portion will continue to overlap with each other.
Should I join post graduation or not ?
If you have taken a Humanities optional subjects such as history of political science, sociology, public administration, etc. then you may join the
respective post graduation course from IGNOU or BABA Saheb Ambedkar university distance learning this will help you in two ways
You will get optional subject study material from the university and you will also get a degree which may help you pursue some career backup
plans in futures such as becoming a professor Aur going for some private sector job which requires minimum post graduate candidate
If I do not do post graduation will it reduce my chances of selection in the UPSC interview ?
Not necessarily there are plenty of candidates who have been selected without doing post graduation
A09] 🗃Plan-B/ Career backup if I fail in the UPSC?

1. if engineer then IES exam. Some students live under imaginary fear that only IIT students are able to clear it. it is not such a case. even
those who are from non-IITs, have failed in some semester exams and passed after ATKT, have cleared it. All you need to do is go
through previous years papers → analyse them and accordingly prepared from the respective books /sources.
2. if engineer then GATE score → ONGC etc jobs.

3. Appearing in the SSC/IBPS/LIC/StatePSC exam.
4. Doing IGNOU distance learning / postal MA (External: Depending on your optional subject) → UGCNET → college professor.
5. Doing MBA → pvt sector.

6. directly taking up a job or starting practice with a graduation degree.e.g. doctor, lawyer, Architect, pharmacist etc.
7. helping in parents' business.
8. And last but not the least coaching class.
Furthermore, many state governments have changed the syllabus of the State Service exam to align with the UPSC mains exam. So it has
become relatively easier for the candidates of UPSC to clear it, compared to the old days.
So one should not live in excessive fear, "what will I do, if i fail in UPSC!?". I am yet to meet a serious aspirant of UPSC who can say, "I am
completely destroyed /left without any jobs/ i'm unable to even earn 2-time-ki-roti." Everyone eventually finds a decent job or business.
IGNOU post graduation- Through distance learning mode

Depends on your optional subject. if you are taking some Humanities optional like history, polsci, sociology, then you can join the IGNOU postal
MA course from home while doing the UPSC preparation.
IGNOU MA courses =you just study last 5 years papers for the 15 days before year-end exam and easily you will get first class. so, it comes
handy for many career backups such as passing UGC NET exam for assistant professor ship etc. And for the remaining time of the year you
can concentrate on your UPSC exam
similarly MSW type courses may help in applying for statePSC exam for women /child officer.
B00] Admission → queries based on student type
Type of Student Not Attended Attended Attended Attending

joined Mrunal’s Full Mrunal’s Full Mrunal’s Full Mrunal’s
unacade Course that Course that Course that ongoing Full
my ended in May- ended in ended in Course from
2020 OR Sept-2020 Jan-2021 Feb-2021
BEFORE
Shd see ✅ ✅ no need

Win20CSP?
to see
Shd see ✅ ✅ ✅ ✅ no need

Win21CSP?
to see
B01] Admission → Previous Batch Student / old batch student

B01] Previous batch student failed in the prelims 2020 what should he do?
● Upto 31/1/2021 finish mains and optional subject related things and then resume prelim specific preparation
● Economy updates for the previous batch students will be given under Win21CSP series.
When will your Win 21 CSP series come?

see schedule here
https://www.unacademy.com/a/mrunals-economy-win21csp-upsc
B01] 👲previous batch student fully completed the course. should I sit for economy course again?
For the older students who have attended my course in the previous batch before October-2020:
- yes, in the economy, many new updates keep coming in every month. But
- No need to take separate printouts of the new handouts going in the present batch.
- because I will be providing the consolidated pillar-wise updates for the previous best students under Win21CSP Series. [it will tentatively start
from March 2021. After I am done thoroughly studying the next budget and economic survey and finished making summary notes of them.]
- So, Ideal approach for old batch students = (original handout from your batch+ wincsp21 series ke updates Handout & powerpoints, which will
be available at https://mrunal.org/download#Win20CSP ). And its lectures at
https://unacademy.com/@mrunal.org/courses/?goal=all&type=special
- Thus, your time is sparred and you can use it for preparation of other objects.
- next prelim exam is not tomorrow morning. Next prelim exam is in June 2021. So do not live under some hyper- anxiety and hyper-stress that
every new update that comes in the economy= must be prepared on the next morning itself.
B01] 👲previous batch student who didn't fully complete previous course
- OptionA-continue the previous batch recorded sessions → update via Win21CSP Series.
- OptionB-attend the live batch from pillar four onwards here: URL: https://unacademy.com/course/mrunals-economy-course-for-upsc-prelims-mains-
2021-63/BYTRF4K9
Either way is fine. more important thing is that you should finish the handout from start to the end
B01] 👲Give me the video links to Win20CSP series?

1. Lecture#1: Pillar1A upto RBI’s monetary policy
2. Lecture#2: Pillar1B-Burning Issues in Banking to 1C: SEBI/Sharemarket
3. Lecture#3: Pillar1D Insurance to 2A: Intro to Budget & Economic Survey 2020
4. Lecture#4: Pillar2: indirect taxes to 15th Finance Commission Report
5. Lecture#5: Pillar2: Black Money, Subsidies, Disinvestment
6. Lecture#6: Pillar2: Atma Nirbhar Bharat, Fiscal Stimulus Package, PM Care Funds, Fiscal Deficit, FRBM & More
7. Lecture#7: Pillar3A: Updates in Balance of Payment, Currency Exchange
8. Lecture#8: Pillar3B: Updates in IMF, WTO, RCEP, International Orgs & Agreements,
9. Lecture#9: Pillar4A: Sectors of Economy → Agriculture: schemes, APMC Ordinance & More
10. Lecture#10: Pillar#4B: Assemble in India,MSME Dwarfism
11. Lecture#11: Pillar#5: Infrastructure: Private Railways, NIP Pipeline, GOCO-PPP, Public Data Infra, Tulip Internship, Nagarvan & More
12. Lecture#12: Pillar#6: HRD-Education Policy 2020, Health, Human Development
B01] 👲Give me the video links to Win21CSP series?
https://www.unacademy.com/a/mrunals-economy-win21csp-upsc
B01-21] Economic updates during and after my course is over:= Win21CSP Series Updates
- after my present course on economic is over → Whatever exam worthy new developments occured in the economy = will be covered free of
cost in my Win21CSP series of Handouts and lectures.
- You'll be able to see Wincsp21 series ke updates Handout & powerpoints, which will be available at https://mrunal.org/download#Win20CSP).
And its lectures at https://unacademy.com/@mrunal.org/courses/?goal=all&type=special
- It will start somewhere in Mid-Feb 2021. Because ultimately Substantial developments in economy handout will come only after the new
budget and economic survey comes next year 2021.
- Before that whatever development occur (Oct-Nov-Dec) = they are usually like some small scheme, some monetary policy update, some
international summit. but I prefer not to engage in such TRP driven/Pageview driven monthly/daily/weekly compilations = It is not an efficient
way to memorize and revise the subject.
- Efficient method is= my six pillar approach- Covering both prelims and mains within a single flow. If you cannot fit a particular topic of
economy among those six pillars then probably it is not important for the scope of exam.
- In the meantime, October 2020 to Feb 2021= You should spend it in preparation of other subjects for prelims and mains.
How and when will I know where your Win 21 CSP series lectures have started?
● This will start from mid-Feb 2021 onwards
● Free PDF Handout: https://Mrunal.org/download
● Free Video lecture + Powerpoint= https://unacademy.com/@mrunal.org
● You can get notified about it through my Facebook page events on:
https://www.facebook.com/pg/Mrunal.org/events/?ref=page_internal
● You can get notified about it through my Telegram notification: https://telegram.me/mrunalorg
B01] what is the difference between full course and Win21CSP Series
● My full course which is going on at present = it covers prelims, Mains, theory, contemporary issues and current affairs of economy
● win21csp series is just 'update' pack for current affairs that will occur after the full courses over.
● win21CSP series will not be covering the theory issue or the past issues.
I am old batch students but I did not take printout of the previous batches, then should I take printout of PCB3-
batch?
If you did not take the print out of previous batch, then you may consider taking the printout of the present that which contains more updated
content. But in that case do not take printout of Win20CSP series Because those updates are already embedded in this PCB2-batch handout.
B02] Future student (2022,2023,2024,2025)

B02] Student Targeting 2022
Ans) At present what are the burning issues of our economy? Bad loans, GST, corona, Protectionism etc. But after 2-3 years this will be
replaced with many new different set of topics and burning issues Which will get asked in those years' prelims and mains exams. So there may
be drastic changes in the handout. So,
When are u giving then attend my economy course in or after

UPSC attempt?
2022 Attend the upcoming economy course from 18th Feb-

2021onwards
https://unacademy.com/course/mrunals-economy-course-for-
upsc-prelims-mains-2021-63/BYTRF4K9
2023 Feb-2022 or afterwards. so, for 2023's attempt better to start

preparing the economy after budget 2022 comes (yaani ki Feb-
2022 onwards). Because in that course I will be covering the
more current issues Relevant for future exam.
2023 attempt = i'll suggest u to focus on your college studies
and strive to get at least first class in all the semester exams.
Because In some of the non IAS exams such as RBI, CAT,
AFCAT (Airforce) etc They require certain minimum passing
marks in the graduation. So do not neglect your college
studies.
2024,25... extrapolate according to above cells
For example, for 2022's attempt: Better to attend economy course after Feb-2021. Because it will contain more latest updates from the Future
budget and economic survey.
And before that there is no need to read the NCERT textbooks or some other foundation economic course because everything from theory to
current affairs and contemporary issues will be built-in within my single course.
B02] but if I do not finish the economy subject sooner, I will not be able to understand all the newspapers
coming from present till 2022. so, shouldn't I finish the economy in 2020, itself, even for 2022's attempt?
1. Ans) Economy current affairs updates happening in 2020, 2021, 2022 are / will be covered in my lectures and handouts in exam
oriented fashion.
2. So, you don't have to prepare it separately. ultimately economy is not such a big or grand subject that you have study it for 3 years.
B02] i want to give attempt in 2022/2023 or afterwards, But my subscription expiring sooner so should I sit in
present batch?
then yes, you may attend present batch.
B02] Should I take a printout of the hand out if I am targeting 2022?
- By that time, many new developments would have occurred in the budget and economic surveys, and in current and contemporary
issues.
- Option-A:You could take the printout of present handout and then add more updates in it via WinCSP series.
- Option-B: wait till a more latest version of handout in 2021 or 2022.
B02] if I am not eligible for 2021's exam, Should I sit in it just for gaining experience?
If you are not eligible for the 2021 exam (e.g. age / graduation not reached), then you should target 2022 exam. There is no point in wasting
"attempt", Just for gaining experience of sitting in the exam
B03] ⏳Admission → late admission

Should I join the Feb Batch or continue with the present one?
● Economy sooner finished is better so you can understand the newspaper current affairs in a better manner and then you'll have more
time available for revision of this subject before prelims and mains.
● so, considering that it will be better to continue with the present batch (October)- if you're targetting 2021 exam cycle. Then whatever
new updates come after budget and economic survey I will be covering them under win21CSP Series.
● If you are targeting 2022- then You may skip the present one and join the February 2021 walli batch.
URL- Present ongoing course

https://unacademy.com/course/mrunals-economy-course-for-upsc-prelims-mains-2021/R6U8HKQ9
URL- Future batch in course

https://unacademy.com/course/mrunals-economy-course-for-upsc-prelims-mains-2021-63/BYTRF4K9
However if your subscription is expiring sooner then you can continue with the present batch
Presently we are at economy pillar 4 so you continue watching their live lectures from Thursday to Sunday and during your free time you also
clear the backlog of the previous lecture 1 onwards in a sequential manner
B03] ⏳ I've taken late admission should I wait for the next batch?
- One should not wait for the next batch because it may be launched after some 3-4 months. Sooner you finish the economy is better. So
that you can understand the newspaper current affairs in a better manner, and interlink these economy concept even with international
relations etc.
- Therefore better to continue with the present course which is going at https://unacademy.com/course/mrunals-economy-course-for-
upsc-prelims-mains-2021/R6U8HKQ9
- Also read the answer to the next question given below
B03] ⏳late admission, how to cover up the gap / missed lectures in the present course?
- I am teaching economy divided into six pillars presently we are in the first pillar. So it is not very late admission yet. ideal approach is
- Watch the lecture#1 for introduction
- then directly watch recorded lectures of Pillar 1A2 series (monetary policy) minimum, Before attempting the live classes.
- Because those concepts of Pillar 1A2 monetary policy serve as building blocks for many of the future lectures in pillar2, 3 and 4.
- then attend live lectures which I am doing at present i.e. from pillar2 onwards.
- then finish other backlog of recorded videos (e.g. 1A1- bitcoins, 1C sharemarket or 1D insurance etc) afterwards Whenever you find
free time.
B03]Can I directly read the handout and PowerPoint instead of watching the video
In the lecture I simplify the topics with examples and narration, if you directly look at ppt or handout, many of the the matters may become
more complex to you, so better to attend the lecture to get the best benefit of the course.
Sometimes candidate to this activity of directly going to hand out , PowerPoint and then every time they get stuck they come back and keep
asking me questions to Google form and then I have to tell them please watch the video! so better to the video in advance so you do not have
that type of questions
B04] Working professionals / homemakers
B04] 👨‍💼I am a working professional / housewife/homemakers. How to manage time and studies?
- In this FAQ: → Daily Planner for a UPSC Aspirants. Observe the working professional column.
- In the market there are many products like summary notes for working professionals mind maps for working professionals Flashcards
for working professionals tablet courses for working professionals. But they are not very useful in clearing the exam because if you
observe the prelims 2020 paper it required you To have exhaustive amount of knowledge just to eliminate the wrong options.
- So if you are reading 25 flash cards made by someone else, from 900 pages Laxmikant book → you will not be able to eliminate the
wrong options.
- Therefore you have to read the same set of books which are being read by full time students.
- In other words there are no separate set of books or short-cuts or secret strategies for the working professionals. you have to do the
same things which is being done by the full time students.
- The only thing necessary is you have to manage your time properly. And most importantly Do not waste time watching videos if you can
read the same thing in less amount of time.
- further, Replied in lecture number#1 slide number #13 https://unacademy.com/class/economy-introduction-faq-about-course-upsc-
prep/5867B8QS
- IAS Neha Rank#20 explained it in her post success interview with me at 06:23 minutes onwards
https://www.youtube.com/watch?v=zxG9_sOvcOM
-
B04] 👨‍💼 shd i leave quit job to prepare fully for exam?
- If i was an unmarried person and my salary was in the range of 20-30k and it drained 10-12 hours of my daily life, then i'd leave job focus fully on the
exam. (assuming my family will support me for a year or two during unemployment). Because then I would put my efforts to get at least an officer rank
job in UPSC/SSC/Bank/StatePSC/SSC or private sector so that atleast 45-65k salary can be earned. Even if I fail in the exams after repeated trials,
I'll go back to pvt sector/enter coaching biz- and again my starting salary could be in range of 30-35k per month. so, nothing much is 'lost' in terms of
opportunity cost of leaving a low-paying job.
- But in pvt sector, If my salary was in the range of 45-65k or higher, And I lived in a city where house rents were not more than 12-15 thousand
rupees- Then I will NOT leave the job. because 'A Bird in the Hand is Worth Two in the Bush'. And after 3-4 failed attempts if I go back to the private
sector I may not immediately find a job of equal salary. So, in this case, i'd prepare for UPSC while doing the job.
my rationale:
- The level of competition and uncertainty in UPSC exam is such that, "I will leave the job, and I will get clear in the first attempt itself"= of course we
wish for that but it is not necessary that it happens with everyone. Recently this UPSC 2019 result was announced and all of them are cheering up
for the candidates who got selected. I have also uploaded some mock interviews on YouTube e.g Rank20 Neha and Rank60 Mittal.
- But there were some thirty good candidates from whom I was expecting good results (Based on their performance in the mock interviews), But sadly
they are not in the list.
- So leaving a decent paying job to prepare fully for upsc= doesn't seem a good idea to me. Because if success is not achieved and after 2 years you
again try to look for the pvt sector job they may not hire you at the same level because of the biodata gap and because of the added new level of
competition in the private sector.
- And to assume that, "if i don't get selected, i'll open a coaching class and e-learning website."= bhai, that is easier said than done, here also in the
coaching industry there is too much competition. You may feel Mrunal or Vinay (Insightsonindia) is a great success in money and fame- but that stage
has been reached only in the last 2-3 years. But to reach that stage, they had to struggle for atleast 8 years with very little income & lot of rivals.
Nowadays there are so many mushrooming websites and YouTube channels that if I started YouTube channel right now it will not even reach 10000
subscriber in one year, let alone 1 million that i've right now. I am not discouraging anyone To pursue any career option, but, my point is I would
prefer safety over risk - Looking at the present scene in private sector job as well as in the coaching industry. If I had a nice paying job I would not
leave it so quickly.
B05] Type of student: Non-IAS exams student- StatePSC/CDS/CAPF/EPFO/RBI etc

I'm preparing for StatePSC exam, how to use your economy course?
- The fundamentals of economy such as monetary policy repo rate, direct indirect taxes, WTO human development etc remain valid and
useful for all types of competitive exams where economy is part of the syllabus.
- Go through syllabus and previous papers of your StatePCS exam.
- Accordingly you will have to make some modification in the economy preparation.
- For example they could ask about the state budget, state Government schemes etc., Then prepare them accordingly from the the
Finance Department website of your state.
- Similarly they will ask you about the freedom fighters and places of your state → prepare from school board textbooks, andGK books for
State history,culture,geography. etc
- Similarly in some of the state Service exam aptitude paper mark also get counted in the Prelims to result so you have to give extra effort
in IT accordingly
CAPF exam strategy
Refer to the past CAPF toppers strategies available at : https://mrunal.org/toppers

EPFO exam, what to do?
of lecture number two → slide number 80
https://learn.unacademy.com/plus/course/mrunals-economy-course-for-upsc-prelims-mains-2021/R6U8HKQ9?lesson=XNZDOZLO
- For Industrial relation, labour laws accounting etc. dig google- Plenty of e-Learning websites have released free content PDF files for it.
koi bhi use kro- Basically it is just compilation of the stuff that is available on respective government websites about us pages and
Wikipedia pages.... but refering to pdf compilations saves time in not having to google search Everything by yourself
I'm preparing for CAPF (Assistant commandant), how to use your economy course?
● Whatever you have prepared for the general studies of UPSC IAS exam, same is also useful in the CAPF exam but there are few
differences
● They tend to ask some questions from the person in news, awards, Sports, defence etc
● Science and physical Geography is slightly more asked in CAPF than IAS exam's MCQs
● Aptitude question marks are counted
● So update your strategy accordingly.
● Also go through previous papers it will give you more better idea On what else you need to prepare in addition of your IAS exam.
RBI grade B officer as 'career backup'?

RBI Officers exam is not conducted as frequently/regularly every year, and second the number of seats are very limited, thereby increasing the
level of competition.
yes whenever notification comes, you can apply for it, but to think "If I fail in IAS, this is the only job i'll do & ultimately I will definitely get-
And this is my final career backup!" * That is little difficult because of the aforementioned issues. Similar problem with EPFO. So rather than
getting fixated over one job what you have to do is prepared the maths/aptitude portion in such manner that it helps you in all similar exams
such as IBPS, RRB, RBI, SEBI, NABARD etc.
The RBI Grade-B officer job comes which city posting good salary Government house. person can reach upto Deputy Governor job and one
such Deputy Governor M. Narasimham also went on to become governor of RBI
RBI grade B officer strategy
Past topper Strategies for RBI exam

https://mrunal.org/2017/04/strategy-rbi-officer-booklist-cutoff-shivang-bhanvadia.html
https://mrunal.org/2016/07/strategy-cutoff-rbi-grade-b-officer-exam.html
I have just started preparation for competitive exam in the last four to five months should I appear
simultaneously in RBI officer exam as well as IAS exam?
RBI grade B officer exam schedule on March 2021
UPSC prelim exam is scheduled on June 2021
Now, suppose there is a senior student from UPSC civil service exam who has already cleared the preliminary exam once or twice in the past
then he will be in the good command over general studies and he does not need to read all the general studies everyday then he can devote
more time for the maths, English, reasoning portion for RBI and such candidates can hope to to simultaneously crack both the prelims in the
nearby time but someone who has just started the preparation he may just end up wasting the the application fees in the examinations given
the tough level of competition. so either go fully prepared and with full heart rather than keep applying for multiple exam just as a Aashiq
Long story cut short if you are unable to to complete the syllabus of optional subject ethics and general studies within the time frame then it is
better to drop the UPSC prelim attempt easier and solely focused on the RBI, Bank, staff selection and other non IAS exams
For more watch this video, https://www.youtube.com/watch?v=TEF47BZEayk
I am working professional now only 5 months left before UPSC prelim should I prepare for both RBI exam as
well as UPSC exam I have never cleared UPSC Prelims in the past
Every competitive exam has its set of senior players so even in the RBI officer exam you will have to compete against those who are very good
at the maths, reasoning, english, etc.
Since, you're working professional so you will be left with very little time for studies on daily basis so if you try to appear for two exam which are
having different set of competency required that is RBI officer exam preliminary state required command over the aptitude portion whereas civil
service exam preliminary state requires command over the general studies portion so so give your time constraint you will have to pick one and
devote yourself entirely to it
Now suppose there is a senior student from UPSC civil service exam who has already cleared the preliminary exam once or twice in the past
then he will be in the good command over general studies and he does not need to read all the general studies everyday then he can devote
more time for the maths, English, reasoning portion for RBI and such candidates can hope to to simultaneously crack both the prelims in the
nearby time but someone who has just started the preparation he may just end up wasting the the application fees in the examinations given
the tough level of competition. so either go fully prepared and with full heart rather than keep applying for multiple exam just as a Aashiq
Because now less than 5 months are left even before the prelims so one has to be very careful in the way you are spending your study time
I wish you all the best!

Tell me something about the SEBI officer mains exam?
I have not seen its past papers so it is difficult for me to comment on it strategy but if you have completed the entire course then go through the
previous papers automatically you will get of idea how much more preparation is required in addition of our handouts I think they may be asking
little bit more from the financial market and you may have to prepare it from book on financial markets by professor Bharti V Pathak for some
internet material
I'm preparing for IES (Engineering) Service, how to use your economy course?
For the Indian Engineering Service exam the Nature of economic questions is slightly different
1. Sometimes they ask some very deep questions from microeconomics which are not seen in the IAS exam, or available in NCERTs - But
a little bit higher level.
2. They ask some questions from the MBA-type economics Which are covering some of their semester papers but which are not seen in
the IAS exam
3. So as such the Handout is useful as far as the basics of economy and government scheme is concerned
but you have to additionally go through the previous years Indian engineering papers, and prepare those additional things from your college
books.
I am preparing for Indian economic service (IES) service exam, how to use your economy course?
- Go through its previous years papers and modification and accordingly make some modifications in the studies.
- basically it'd require you to prepare from extra theory of economics from your college books, and post-independent-indian-economy stuff
from academic books such as Dutt Sundaram/Mishra Puri etc.
- how and what exactly to study in addition of my economy course? I am unable to comment because the mass of candidates in this
particular exam in such small that it is not financially lucrative for me to invest my time and mental energy on analysing those papers
and drafting a strategy. As a graduate of economics, you must be familiar with the quote of Adam Smith, "It is not from the benevolence
of the butcher, the brewer, or the baker that we expect our dinner, but from their regard to their own self-interest! "
- but at the same time it is not a rocket science. If you peacefully go to the previous papers. Then, as a graduate of economics, easily,
You will see which books are required.
working professional struggling to find time for preparing two exams (UPSC with SSC/StatePSC) simultenously
While it is true that whatever is prepared for UPSC general studies may also help in the Staff Selection Commission exam, StatePSC exams,
but
In the Staff Selection Commission (SSC) you require good command over the maths and English. And competition/cutoff is very high among lot
of those banking/engineers/CAT-failed type people.
If a stay-at-home candidate has already appeared 1-2 times in the UPSC exam and then he can continue parallel preparation of 2-3 exams
parallely, Because a lot of his basic syllabus would be over.
But, If you are a working professional, Totally fresh started preparation and struggling to find time then you have to Finish one particular
exam's whole syllabus properly e.g. SSC or UPSC
You have to also take into consideration how many age and attempts are left for each of the exams.
If I was in a situation where I cannot leave my present job because of family responsibility
then first I would opt for Low hanging fruit like clearing Staff Selection or banking service exam. After getting the job I will continue preparation
for the higher level jobs like UPSC.
C01] Economy Course: General doubts → Handout of my Economy Lectures and corrections
pillar page Correction
1A1 1 Page14 NFS cell

While merging/shifting some cells, it seems
lines wrongly got combined
Instead of
“NFS runs ATM network, IMPS, UPI and
BHIM”
C01] 📑Where is the handout? How to download handout?

● https://unacademy.com/course/mrunals-economy-course-for-upsc-prelims-mains-2021-63/BYTRF4K9
● Goto above link, Click on updates tab → Side bar will open from the right side → you can download the PDF files . Within that right
hand sidebar → scroll down to download older handouts. In future simply you bookmark this page.
● If you are using mobile app then maybe the interface will be a little different. What you can do is within the mobile phone download
Chrome browser → open the website in it → in the settings button click on "Show desktop version".
C01] 📑How to download the powerpoint Which you are teaching in the class?
- explained in lecture1 slide 43 and 44.
- https://unacademy.com/class/economy-introduction-faq-about-course-upsc-prep/JDQMR3FR
What is the difference between PowerPoint and handout?
1. handout ki PDF= it has whitecolor background and black color text. You will find it by clicking on the update section
2. powerpoint's PDF = black color Background and white colour text with lots of photos. I use during the class
C01] 📑 Should I take printout? my eyes are stressed because of PDF reading?
- In my opinion, there is no need to take printouts until the coronavirus is over. Because every week if you have to go out for printing, then
you are only endangering yourself and your family in coronavirus.
- Read it from the PDF file itself, However it is possible that you feel eye-stress/fatigue on computer screen. solution is download (free)
foxit pdf reader → file menu → Preferences → Accessibility → Document colour options → Use high contrast colours. And it could
convert the colours to black page and green text Like the following screenshot. Then it will become easier to read Without stress on the
eyes.
C01] Handout Font display problem

● Handout contains Hindi terminology for important words. I tried with a variety of Hindi fonts over the years but they are either too thin or
break line spacing. Then I had to manually keep adjusting the English and Hindi font sizes and line spacing = which was consuming a
lot of my time and energy.
● So finally, after trial-errors, I have settled with Adobe Devanagari font. As it makes the handout including the Hindi sentences much
more clean and elegant to read.
● So if there is some problem in display of the fonts please download the fonts from here http://www.mediafire.com/folder/64qnsbu9n3a04
● Recommend PDF reader is 1) Foxit PDF reader OR 2) Adobe PDF reader.
● As such fonts are embedded within the PDF file so separate font download may not be necessary. There may be a need to update the
PDF reader software.
● If you are using a PDF software in some mobile and tablet it may not function properly if you are not using above recommended PDF
softwares
Blank pages in the handout
There are no blank pages in the handout
So if there is some problem in display of the fonts please download the fonts from here http://www.mediafire.com/folder/64qnsbu9n3a04
Recommend PDF reader is 1) Foxit PDF reader OR 2) Adobe PDF reader.
As such fonts are embedded within the PDF file so separate font download may not be necessary. There may be a need to update the PDF
reader software.
If you are using a PDF software in some mobile and tablet it may not function properly if you are not using above recommended PDF softwares
C01] Handout Font change suggestion: plz use "X" font instead of "Y" font
- Handout contains Hindi terminology for important words. I tried with a variety of Hindi fonts over the years but they are either too thin or
break line spacing. Then I had to manually keep adjusting the English and Hindi font sizes and line spacing = which was consuming a
lot of my time and energy.
- So finally, after trial-errors, I have settled with Adobe Devanagari font. As it makes the handout including the Hindi sentences much
more clean and elegant to read.
- So if there is some problem in display of the fonts please download the fonts from here http://www.mediafire.com/folder/64qnsbu9n3a04
- Recommend PDF reader is 1) Foxit PDF reader OR 2) Adobe PDF reader.
heading numbring- why topic1 starts at "10" and not "1"

i wanted that the first number of the heading1 and heading2 should reflect the pillar e.g. pillar1.
But if i give "1" then the heading1's numbering will start 1-2-3-4
But if I keep it at 10 then numbering keeps at 10-11-12-... So even when we reach towards the pillar 1d: we are still having "one" in the prefix
for heading1 at "heading number "1"6"
for similar reasons pillar#2 will start numbering at "20"
C01] Give me all the handouts at once, ABHI KE ABHI

● My handouts are continuously updated on weekly basis as we the progress in the lecture. So I cannot update and upload all handouts
to you right now in advance, with the hectic schedule wherein i’ve to conduct classes 4 days a week, and then devote an entire day or
two answering to google form queries.
● Therefore I have advised, no need to take print out until covid is over.
● If you’re very eager to have everything @once, You can download the older batches entire sets of handout from
https://unacademy.com/course/mrunals-economy-full-course-for-upsc-prelims-mains-2021-507/QTOO36CS
● And then follow Win21CSP series handouts to be published next year after budget 2021.
At the end of the course give all the 6 Pillars handouts combined into a single PDF file
You can do it yourself by using the free softwares that allow you to combine the PDF files
Alternatively you can keep them in a single folder and use the Windows Explorer search box function to search the text that you are looking for
Combining 700 pages into a single PDF file is actually not advisable it makes the entire thing very difficult to scroll and you lose the
geographical track of 1st pillar 2nd pillar so it is better to go by the individual PDF files
C01] Why sequence of topic is different in Powerpoint to Handout?
● PowerPoint is designed for explanation
● Handout is designed for revision
● Therefore the sequence of the topic may be little ahead or behind in the particular handout.
● More explanation: slide 48 and 49 in following lecture https://unacademy.com/class/economy-pillar1a2-monetary-policy3-quantitative-

tools-repo-tltro-msf-omo/PMAH2JMQ
C01] 🔪What is the meaning of all the emojis used in your hand out?
- emjois= They are meant to to make your revision faster. For example tiger emoji usually comes in RBI related topics because tiger is in
the logo of RBI.
- knife emoji usually denote "loans" (Because of knife in informal moneylenders hand)
- Atma-Nirbhar initiatives usually have " " (=which basically an emoji for Bhatakati-Aatma भटिती आत्मा)
- = PM Modi. =CM Yogi, basically to denote State governments.
- such emoji/ pictorial representation helps in faster revision of the handout
- But, I cannot explain to you the meaning of all the emojis. Consider it a time-pass puzzle that is not important for the scope of
exam. If you can See the pattern and decode it = well and good if you can't decode it, then don’t lose sleep over it, just read the
handout as a normal book page.
C01] What is meant by "List not Exhaustive" which you have written in handout?
● suppose a ministry /dept consists of 15 sub-organizations,
● i may have given only 4-5 Important ones which are considered important for the scope of UPSC exam. So the word, " list is not exhaustive" means
there could be other ten organisation but I have not bothered to cover them all- To save your time and printing cost. because i don't want a handout of
1500 pages. please refer to the story of fisherman's net which i told in the first lecture.
C01] Do I need to make notes from your handout?
- Some teachers require you to make notes from their classes but my method is different. I am directly giving you revision handout
note in PDF format so you are spared from that time and effort. आपने खद
ु िे नोट नहीिं बनाने हैं मेरे लेक्चर handout ही खद
ु नोट है .
- Handout itself is a revision note. There is no need to do double labour by making a note out of the note. Simply revise it often.
- Similarly Laxmikant is a revision note. spectrum history book is a revision note. just read them, without making notes.
C01] Handout: → Fisherman's net

Q1) Are all the facts given in the handout important for memorizing in the exam,
Replied below
Q2) If no then why don't you give a separate 25 pages and out containing only the important facts?
- Answer to Q1) if something is really really important then I would have told it in the respective lecture that you have to memorize it.If it is
not so greatly important then within the lecture I would have told that no need to lose sleep over it.
- Answer to Q2) Fisherman's net story at slide 64-66 https://learn.unacademy.com/plus/course/mrunals-economy-course-for-upsc-

prelims-mains-2021/R6U8HKQ9?lesson=5867B8QS
Q3) This handout will be more than 600 pages How can we possibly remember it?
● Laxmikanth's Polity book: 940 pages
● Spectrum's History Book: 848 pages
● Yet people are memorising them also for passing the exam. Ultimately, this is a competitive exam. you have two what others are doing,
otherwise you will be left behind in the race. It requires frequent revision that's all.
● further, The latest edition of Laxmikant theory book itself is 940 pages and you further add another book for governance for mains paper
2 it will be+ 500 pages and further you add current affairs pdf content related to polity= another 200 pages. so polity is turning out to
be 1600 page minimum for comprehensive coverage upto mains. It is inevitable that the core subjects like economy, too, will
occupy so large size.
C01] Hindi Medium mein handout chhahiye mujhe.

While I am sympatize with your request but Hindi medium handout related Queries are sufficiently addressed in the lecture 1’s introductory part
→ slide 48 onwards.
https://unacademy.com/class/economy-introduction-faq-about-course-upsc-prep/JDQMR3FR
बेशि शुरू शरू

ु में थोड़ी हदक्ित है आ ििती हैं कि पढ़ाई ज्दी िे नहीिं हो पाती क्योंकि अिंग्रेजी िमझने में िमय लगता है
but, अगर पूरा handout / powerpoint हहिंदी में बनाया तो वह इतना लक्लष्ट कििम िा हो जाएगा कि िमझने में और ररवीजन में आिानी ही चली जाएगी. खाि िरिे
बैंकििं ग, बजट, GDP िे िुछ मद्
ु दे ऐिे हैं जो अिंग्रज
े ी में िमझे तो एिदम मक्खन िी तरह हदमाग में उतर जायेंग.े लेकिन अगर उििा शद्
ु ध िालत्वि हहिंदी िरने बैठे तो
आदमी िमझे िम और ििंफ्यज
ू ज्यादा हो जाए.
further, If you go for the Hindi translation of the economic questions asked in UPSC they are so cumbersomely translated it will even slow
down your speed further. So it is always advisable to tick the economy and science MCQs by reading the English version of it
C01] How to improve Hindi for economy answer writing?

● If you wish to cultivate more vocabulary for Hindi economic terms then go for class10, class11 NCERT economy books in hindi medium.
● Similarly you may read Economic survey, Yojana, Kurukshetra magazines (You don't have to read them page by page. How to read
them is explained in the first lecture)
C01] Why handout has no blanks? previously you used to keep blank?
Because of the Corona outbreak → some might hesitate going out every week to get printouts. I do not want to catalyse the speed of corona among students,
by forcing them to go for printouts.
C01] Give model answers for the mains exam in a separate handout
- Hints for the mains / essay points are given in the PowerPoint itself.
- Making more handout pages only increases the cost of printing unnecessary burden of keeping multiple files.
C01] Handout /PowerPoint filename sequence formats

Q. Handout naming naming sequences should be like this
1) HDT_1_***, HDT_2_***
2) PPT_1_***,PPT_2_***
Ans.
You can do such things using a software called "total commander" which allows multiple/batch-renames with search and replace facility. select
all the files u want to rename, then press Ctrl+M
C02] Economy Course: General Doubts → Reading list/booklist for economy?
1. ✅- Mrunal's economy handout = Yes, if you want to finish the syllabus, without wasting excessive amount of time.
2. - Past/ Future Current affairs of economy from Current Affairs PDF files like visionIAS= NOT REQUIRED. because Mrunal's handout
contains all importants points for the scope of UPSC exam, which will duplicate/overlap with these PDF files.
3. - Future Current affairs of economy from Current Affairs PDF files / newspapers: While you may read them but there is no need to
make notes out of it because they (Economy current affairs) will be covered in the present course, as well as in the future [Win21CSP]
update series of lectures/handouts.

4. - Ramesh Singh, Sanjeev Verma, Lal Singh, SriramIAS, Nitin Singhania, Dutt Sundaram, Uma Kapila, Mishra Puri, Pratiyogita
Darpan, or any other book= NOT REQUIRED. because Mrunal's handout contains all importants points for the scope of UPSC exam,
which will duplicate/overlap with these books. so there is no need for you to do the double majoori.
5. - NITI Aayog Reports.because Mrunal's handout contains all importants points for the scope of UPSC exam, which will
duplicate/overlap with these reports
6. - Tamilnadu textbooks economics 11,12: NOT REQUIRED. because Mrunal's handout contains all importants points, which will
duplicate/overlap with these books.
7. - NCERT textbooks economics class9,10,12: NOT REQUIRED. because Mrunal's handout contains all importants points, which will
duplicate/overlap with these books.

8. ✅- NCERT textbook Class11: India's economic development. YES , you have to read it but like a storybook so that you gain the
vocabulary for Mains answer writing. no need to make notes.
9. - previous year's budget = NOT REQUIRED. because Mrunal's handout contains all importants points from it..
10. ✅- previous year's economic surveys= NOT REQUIRED to read ALL PAGES. because Mrunal's handout contains all importants points
from it. However, for the purpose of Mains answer writing, you need to only the introduction and conclusion of the chapters of volume 1
of past surveys. **
11. ✅- Yojana and Kurukshetra magazines: only preface by chief editor. **

**For more Please re-watch the recorded session of lecture#1, slide#93 to 106 onwards
https://unacademy.com/class/economy-introduction-faq-about-course-upsc-prep/5867B8QS
C02] Do I've to make notes from your class
Ans) No need. My Handout itself is the revision note.
C02] 📚Is economic survey and India year book same thing?
● no, They are two different things.
● You can download the economic service free of cost from the government website of Finance ministry
● India yearbook officially called India 2021 will be Published by Ministry of Information and Broadcasting no need to buy at present India
2020. Wait for the next year. And you may not even have to buy it it because plenty of free PDF summaries are available by e learning
websites and unacademy lectures.
C02] 📚Do I've to read NITI Aayog report(s)?
No need for Student to read it separately because its important points are covered in my handouts in respective areas for example $5 trillon
GDP, circular economy, E-cars, railways reforms, Sustainable development etc= Pillar4,5 and Pillar6.
C02] 📚Should I buy / read Ramesh Singh / Sanjiv Verma / Nitin Singhania or other newly launched book for
Economy or not?
No need for such books, if you are using my hand out. Because
● 1) Important matters for prelims and mains factoids are covered here in handout. If you start Consulting Third book then the incremental
probability of gaining additional knowledge is very marginal and diminishing. I am not preventing you from reading any book but Better
use your saved time in preparation of another subject of general studies.
● 2) Ramesh Singh has unnecessarily bloated his book with too much non exam oriented type share market and government report cut
paste job.
● 3) Sanjiv Verma too superficial coverage of economy for the purpose of UPSC questions.
● 4) everyday new books keep getting launched, because authors have to get royalty money. Then lot of youtubers will also create its
summary videos because they have to get page views, A lot of fake positive reviews may also be written on the Amazon to boost the
sales. But that does not mean you should also fall under the Hype and spend 90% of your time preparing just economy from 10 different
books. After all what is the purpose of buying a coaching class subscription? ans. that is to get compact material which is being served
to you in the form of lecture and handout.
● update-2020-October: I have just published the economy answer key for this year's prelims https://mrunal.org/2020/10/upsc-prelims-
answerkey-2020-economy-all-sets-topicwise-explanation.html you can see that 18 out of the 23 economy MCQs could be Solved
directly from the present course handout itself so what is the separate need spend money and time in studying some separate book
like Nitin / Ramesh / Sanjeev for economy?
● Further details in my lecture 1’s slide 97 to 106 itself. Please re-watch the recorded session. https://unacademy.com/class/economy-
introduction-faq-about-course-upsc-prep/JDQMR3FR
C02] 📚Do I have to read India yearbook published by govt?
- Yearbook chapter related to economy are covered in our lecture
- Which of its other chapters are important for the scope of exam? ans page1 of the my economy handout. so, Accordingly
- either you read those chapters or,
- go thru their lecture / summary powerpoints by other unacademy teachers / e-learning websites.
C02] 📚Do I've to read the Economic Survey?
Ans. Slide 93 of my first lecture
https://unacademy.com/class/economy-introduction-faq-about-course-upsc-prep/5867B8QS
C02] 📚Some economic survey chapters do not have proper introduction and conclusion format?
Yes Government's economic survey in some years= some chapters are poorly written like that, Without proper headings / bifurcation for
introduction and conclusion. In that case simply read the initial two paragraphs that are given immediately after the title of the chapter in the
Italic font.
C02] 📚Why volume2 of past economic surveys need not be read?
Because volume 2 contains previous year's economic data. The economic survey, which will be published in 2021 =its volume 2 will contain the
latest date. Therefore, you need not read the previous years' volume 2.
C02] 📚When should I start reading Yojana Kurukshetra magazine ?
- it is advisable to start reading Yojana Kurukshetra after my courses over because I am going to cover all the important government
schemes (Including all those rural development schemes agriculture schemes women development schemes etc)
- So once you have finished schemes → you will be able to finish Yojana / kurukshetra much faster Because they basically just keep
talking about the same schemes over and over again.
C02] 📚Do I have to read Yojana and Kurukshetra magazine page by page?
- No you should only read the the chief editors preface which is given on page 1 or 2.
- For the remaining articles in a given magazine,
- either you could read the introduction and conclusions from original magazine,
- or you could simply rely on the various (free) PDF summaries made by e-learning sites.
C02] 📚Which NCERTs do I have to read for economy?
I have addressed this query sufficiently at the lecture 1’s slide 97 to 106 itself. Please re-watch the recorded session.
What/Why/How do I read Economic Survey / Yojana / Kurukshetra for economy?

I have addressed this query sufficiently at the lecture 1’s slide 97 to 106 itself. Please re-watch the recorded session.
C02] 📚Should I make notes for economic current affairs?
● No need they are being covered in the handout. Even after your course is over they will be continued to be covered in the win20CSP /
win21CSP series even after your course is over. e.g. see And then follow Win20CSP series handouts available at
https://mrunal.org/download#Win20CSP And (free) Win20CSP series lectures available at
● Similar thing will be done next year under Win21CSP Series.
● I do not make any false marketing claim that UPSC will not ask anything outside of it UPSC examiners are known for their
Unpredictable temperament! But then again cut off is never 200/200, So we never put excessive amount of efforts in a single area
Will you be teaching government schemes and departments

list of Important departments and govt schemes will be covered in the handouts respective pillars. so wait and watch.
C03] Economy Course: General Doubts → Others
What is the guarantee that in next exam all questions can be solved from your course?
I am not an Astrologer so I cannot predict whether all questions in the next exam also will be asked from my course or not there is always an
element of uncertainty and randomness involved in the UPSC examination even Vajiram or Shubhra Ranjan cannot give such guarantee that
all question can be called from there handout in the next exam ultimately you have to prepare as per the syllabus and hope for the best
How can I develop 360 degree Holistic perspective for mains answer writing in economY?
It will become clear to you when you have completed the entire course on Economy.
and Depends on the nature of the question for example if some simple and straightforward question is asked like which indirect taxes have been subsumed
by GST then it leaves no scope for doing 360 degree analysis simple you have to narrate the things so in that manner most of the questions asked in
economy Are linear in nature focusing around the themes that were highlighted in the economic survey and other government reports anyways this will
become more clear to you when we are done upto the six pillars.
How many questions should be solved from your hand out in the last exam
It is sad that teacher is asked to give proof like this nowadays
Teaching profession has become like selling motorcycle in a showroom. Customer asks: how much average is given tell me?
Anyways here is the answer:
https://mrunal.org/2020/10/upsc-prelims-answerkey-2020-economy-all-sets-topicwise-explanation.html
Please teach in English medium I do not know Hindi?
While I sympathize with you but the company contract requires me to teach in Hindi language
if I attended this June2Sept batch (nicknamed Post-Corona-Batch-1), do I have to again sit in October walli
batch (PCB2)?
- There is no need to to sit again for the next batch which is starting from October.
- whatever new updates are coming for example budget 2021, economic survey 2021, new monetary policies, govt schemes etc=They
will be covered under the free special class series title win20CSP and next year in win21CSP.
If I'm attending PCB2 (Oct-2020 walli batch), do i've to watch Win20CSP Series?
- No. because Win20CSP Series= free updates upto Aug/Sept 2020 batch for previous batches' students.
- if you're sitting in Oct-walli batch then all previous updates are embedded WITHIN your PCB2 handouts. so no need to watch
Win20CSP Series.
Is this course covering both prelims and mains economy for GS?
Yes it is. My economic course covers the prelims and mains specific areas in a comprehensive manner. Ideal approach= watch lecture →
memorize handout → Read the additional supplementary material that is prescribed in the page 1 of the handout.
I am weak in economy what should I do?

Finish the whole course, Read and revise the things as we progress in the class, Eventually you will become good at this. day1 se mujhe hrithik
roshan jaise body chaahihye... bhai it takes time Patient and practice
How to cover the current affairs on Economy after your course is over?
● Past and ongoing current affairs of economy are covered in my present course
● future economy current affairs will be covered in my win21CSP course next year
● So as such there is no need to make any personal effort in doing the economy current affairs on your own separately
● I provide free updates on Economy to the previous by students under the lecture PowerPoint and handouts known as "Win20CSP" (and
then Win21CSP). You can learn more about it through this article https://mrunal.org/2020/09/win20csp-mrunals-free-economy-update-
pack-pillar4a-apmc-ordinance.html
● similar thing will be done for next year under Win21CSP series so stay tuned. https://unacademy.com/a/mrunals-economy-win21csp-
upsc
What subjects of the GSM3 paper are covered in this course ?
Topic Covered in this course?
Economy & Indian Economy (issues re: Yes

Agriculture planning, mobilisation of resources,
growth, development, employment)
Inclusive growth and issues therein Yes
Government Budgeting Yes
Major Crops in various parts of No

country (cropping patterns, types of
irrigation, irrigation systems
Farm subsidies and MSP and issues Yes

therein (direct and indirect)
storage, transport & marketing of Yes

agro-produce and related issues &
constraints,
PDS (objectives, functioning, Yes

limitations, revamping, issues of
buffer stocks & food security)
e-technology to aid farmers, E- No

Technology missions
Economics of animal-rearing Never asked in real exam so no

point chasing
Food processing and related Yes

industries in India (scope &
significance, location, upstream-
downstream requirements, supply
chain management)
Land Reforms in India No. This is a topic of polity and post

independent Indian history
Effects of Liberalisation on the Yes

economy
Changes in Industrial policy & their Yes

effects on industrial growth
Infrastructure (energy, ports, roads, Yes

airports, railways)
Investment models Yes
Science (i) S&T developments and everyday No

Tech applications & effects (ii) Awareness
in fields of IT, Space, Computers,
Robotics, Nanotech, Biotech, IPR
issues
(i) Achievements of Indians in S&T, No

(ii) Indigenisation of technology &
development of new technology
Environment Environmental conservation, No

& Disasters pollution and degradation
Environmental Impact Assessment No
Disasters & Disaster Management No
Internal Linkages between Development & No

Security spread of Extremism
Role of External State & Non-State No

actors in creating internal security
challenges
Internal security challenges through No

communication networks
Role of media and social-networking No

sites in internal security challenges
Basics of Cyber Security No
Moneylaundering & Prevention No
Border Areas (securite challenges No

and management thereof)
Linkages of Organised crime and No

Terrorism
Security forces & agencies No

(mandate)
Will u teach GSM3: Food processing industry?

Yes under pillar 4A
Will u teach GSM3: Land reforms?
● No. GSM3 syllabus Land-reform = It's a mixture of polity and post-independent history.
● It is not even asked every year.
● it can be done by selective study of the NCERT class XII, sociology book chapter 4.
● for more: https://mrunal.org/tag/land-reforms
Agriculture covered within this course or not?

Economic aspects of agriculture such as minimum support price, subsidies, agriculture export, agriculture development related schemes, food processing
industry for mains paper 3 will be covered
Traditional agriculture related matters like various types of irrigation various types of crops etc will not be covered
Do I need to make notes from your handout?

Handout itself is a revision note. There is no need to do double labour by making a note out of the note. Simply revise it often.
How should I revise economics from your course?
- Watch the video only once. Keep only having some doubt then rewatch the video or see its powerpoint.
- Revision of the handout three times, at minimum
- 1st time = chapter revision Before the weekly quiz
- 2nd time= whole handout Before the brand quiz at the end of my course
- 3rd time = whole handout, 2 weeks before the prelims.
- For other subjects, you may workout similar status yourself using the the books and material.
Do I've to memorize facts, can i pass prelims just with 'basic understanding of economy concepts'?
- in the Handout I have given previous years UPSC questions under the respective topics. Upon solving those questions you will realise that many of
those questions require you to memorize the factual details- like how was the owner of NHB? In what your SBI was nationalized, What is the full form
of Niti Aayog? How many number of members are there in the monetary policy committee? and so on.
- So it is very naive to think that basic understanding is sufficient to pass the exam when other candidates are going to mugup facts, and get a better
score than you in the race.
- But do not be intimidated by the number of schemes and facts. If you attend the class regularly and revise the handout the very next morning then
appear in weekly tests and again read the topics where u made mistakes → you will be able to remember it for a longer period.
- those who skip classes as per their mood swings, and then directly try to finish 50-70 pages ke individual pillars' handouts at once = then it's
Guaranteed that they are going to face problems in memorizing it.
Which data or numbers are important for economy?
- Figures which are important for the scope of economy are given in your hand out.
- Basically one should only look at the
- Monetary policy indicators purchase CRR SLR Repo
- some data related to Tax to GDP, GST slabs, income tax slabs
- Some data related to Currency exchange rate international trade import export etc.
- Macro indicators such as GDP inflation and unemployment etc.
- Human Development indicators such as poverty literacy maternal mortality, population, Sustainable development goals, UNDP HDI
index etc
- Beyond that there could be 50 other things going on but poor cost benefit in memorizing all of them
What about other numbers/data in subjects like Geography science technology polity environment. ans- Finish their syllabus go to the topic
wise papers and you will know it
Do i've to remember the full form of all organizations and schemes?
- If you spot the name of the same organisation or scheme multiple times in handout or tv news or newspaper then you should remember
its full form. e.g. NITI, SEBI, NEFT, NPCi, IBBI, IRDAI, PFRDA, FATF, TLTRO, etc.
- It is not necessary to memorize the full form of low profile/obscure type of type of schemes or organisations e.g. ISIN, NACH.
- , UPSC has asked about the full form of Niti Aayog in MCQ in prelims.
- And secondly there is also a hidden objective behind setting such mock questions in weekly test, so that students remember the full
form because in the mains answer writing it is desirable that You write the full forms when you are mentioning something in the answer.
e.g. GST, CRR, SLR etc.
Are the schemes older than 2019 important for the future exams?
If it is a big scheme like MGNREGA, Pradhan Mantri gram Sadak Yojana, food security act, PM Jan Dhan, PM Fasal Bima mid day meal etc.
then yes you have to remember.
Secondly many of the mains questions related to weaker section also require you to memorize and mention some schemes. for example if you
are writing about women development you may have to write about Beti-Bachao Beti Padhaao and Nirbhaya Fund Even though they are very
old schemes created some 4-5 years ago.
Do I have to remember all the Yearbook info [Ministry/Dept/PSU]?
You need to have some basic idea to eliminate 50-50
e.g. NHAI is definitely under highway ministry whereas Inland waterways authority is definitely under shipping ministry and not under Jal Shakti
ministry and UIDAI is under MEITY Ministry.
You don't have to remember each of them word by word. But you need to be familiar with some of the major organisations to eliminate the
wrong options.
Will you be teaching the government schemes in this lecture?
- All important government schemes will be covered except those related to the environment.
- These schemes will be given in the pillar wise manner in my handout e.g. Agriculture in 4A, education schemes in pillar 6 and so on.
- Which schemes are important for the exam? Ans. It will become clear to you as we progress through the various pillars.
your previous batch had more number of lectures. This batch has less number of lectures, why is it so?
Ans. Depends on the nature of the batch. Sometimes the batch is full of so many weak students that I have dilute each and every topic to
primary school level just to prevent their silly questions in the google form FAQ, consequently, it takes more number of lectures than
anticipated. so the timetable mentioned on the course pages is tentative in nature, and not final.
Which chapters or pillars of the economy are more important for prelims and mains?
answer is given in first handout of this course → page number 2 : refer to the table given in
My subscription expiring sooner / I want to finish the economy faster

The fully completed previous course (ended in 3rd-Feb-2021) available here
it has all handouts and powerpoints.
Afterwards you may see the win21CSP series to get the new updates.
D00] Economy Doubts → Specific
following section has multiple questions peacefully read them until you find your question.
students' stress level is raised because of some random technical questions seen in a private mock test about
RBI.
Ans. We have studied abt RBI from textbooks and general current affairs from big newspapres, because that much is sufficient for the scope of
exam.
in real life, when RBI is conducting operations, i it could be subjected "N" number of technical things, fees, taxes... How it works? Ans. I have
never bothered to waste a a single second of my time on google searching it, because there is no precedence of UPSC asking any such
question in the last 25 years' prelims.
so, inexperienced pvt mock quizmasters Randomly lifting statements from RBI websites and asking MCQs it doesn't meet we should raise your
blood pressure!
D01A1] Economy Specific Doubts → Pillar#1A1: barter to bitcoin

Barter in services
For example, in ancient times in a village Barber will provide the service of cutting the hairs and the villagers will pay him in the form of physical
goods such as wheat and grain
And if the barber became ill then the village Ayurvedic healer main provide him medical service so as barter in services is also possible
If there is a war then there could be inflation in the barter system so how is it free from the currency exchange
fluctuation
This academic discussion is not important for the scope of MCQs, Because you are bringing the inflation angle into the the exchange of goods
and services and on the other hand you want to discuss about the currency exchange rate those two things are different. Anyways,This entire
debate is neither important for prelims nor for mains so please move to next topic.
I have doubts fungibility of shares / bonds / debentures

well, then wait till we reach pillar1C: sharemarket. Then it will become more clear to you.
is gold bangle fungible with gold necklace if one of them has all gold hallmark and other does not?
Ans) they are not fungible if we value jewellary's price in terms of as 'weight+'labour of jeweller'
but, As far as the theory questions from economics are concerned= UPSC examiner is not in the habit of asking such childish hairsplittery
which is not given in basic textbooks. So, simply remember gold bars= fungible as per textbooks.
is 24 carat gold bar fungible with a 22 carat gold bar?

● answer is not fungible.
● however, if the real MCQ has not clarified such thing about quality/ carats.
● Then, in simplest terms "gold bars are fungible" = correct statement. without overthinking about it, IF carats/quality is not mentioned.
● such mental attitude over 'overthinking lawyer-ly fashion' is not suitable for getting good scores in the competitive exam, because you
will be stuck in many economy and polity questions, just like this. because you are thinking about the extremely exceptional cases
where the statement will be wrong, whereas the UPSC examiner is asking about normal cases in which the statement will be correct.
● I am not saying this to discourage you, but to ensure that this bad habit over 'overthinking / over-interpreting the statements' is nipped in
the bud, for your own success in the IAS exam.
● in order to become more popular among students nowadays, teachers engage in saying sugar-coated chikni-chupdi baatein, but there
are certain bitter realities that one must accept for success in UPSC.
Contingent function of money
1. The share market and the loan market works because money is the foundation
2. Because of the monetary system government is able to tax the people and use that money for Welfare of the poor people
These are the contingent functions of the money
These functions are possible because of the primary and secondary functions of the money
How can metallic money be fiat money

If the metallic money is in the form of coin then it could be a fiat money if it is issued by a king, queen government or Central Bank
It seems that you are unnecessarily over complicating this topic by over thinking about it it like a lawyer trying to win an argument in supreme court.
Difference between debased coin and token coin?

then there is no need to lose sleep over it, UPSC is not going to ask the internal difference just basic understanding is required.
Why is G-Sec and T-bill not fiat money, despite the fact that they are issued by govt?
But it is not in the form of coin or currency note. So it is not Fiat money.
Unnecessarily you are over complicating this topic for yourself By over thinking about it like a lawyer trying to win an argument in supreme
court.
it is very simple basic MCQ thing...if only you visualise what money should look like physically or digitally.
As per the finance act possible to pay through cheque and online banking so why are they not legal tenders will
it not create confusion among the people ?
You are confusing the theoretical Concept for the MCQ with the day-to-day applications of monetary transactions as far as the MCQ is
concerned simply go as per the direction that I have given in the hand out And in the lecture
Grisham's law And Tughlakh coin

while Tughlag presumed that silver coin (good money) will continue in circulation even after issuing bronze coin (bad money) but public started hoarding the
previous silver coins (Good money) and started using bronze coins (bad money) and even counterfeiting it.
Why doesn't the government or RBI print more notes to remove poverty?
- If there are not sufficient supply of onions in the market, and govt/RBI just keeps printing money & keeps giving it to poor people → then
it will create a problem of inflation i.e. 1 kg onion selling for Rs.10,000 rupees, because govt gave 1-1- lakh ki suitcases full of notes for
every poor people. So poor may have the money in their pocket, but in reality their purchasing power will not increase in terms how
many kilos of onions they can buy/eat every month.
How many notes can RBI print? is there any limit on that?
- We will see that under pillar 1A2: Monetary policy and then under Pillar2D: FRBM Act, Monetization of deficit
What is Hot Money?
Hotmoney → we'll see it in Pillar3A
What is cheap money /dear money?
It is related to the level of interest rate charged on the loan of money. Ref Pillar1A2
bank is closed on Sunday, then how can you say NEFT/RTGS available 24 x 7?
NEFT / RTGS can be done through two methods
1. If you have a computer or mobile → you can login to the bank websites portal /app
2. else You can visit the do branch and do it manually by filling up the paper form and submitting it to clerk.
If there is NEFT 24/7 then why there is need for IMPS?

if u don't know the bank account number and branch code of the receiver, but only know his phone number then how to send money online?
● NEFT/RTGS= can't be done
● IMPS = can be done.
If there is IMPS for instant settlement then why there is need for NEFT which does it at 30-30 minutes interval?
● NEFT is run by RBI.
● IMPS is run by NPCi.
● Reserve Bank of India has not given explicit reasons why it is not shutting down NEFT, eventhough it has less features than IMPS.
Maybe there are some strategic interest and operational complications involved.
● Therefore we need not make personal effort of doing Google Search on why it is like that.
handout says IMPS = Fees + GST. but my bank receipt is not showing GST amount. so how can you say that?
IMPS is subjected to GST.
Ref: https://www.financialexpress.com/money/imps-charges-by-sbi-hdfc-axis-icici-and-other-banks-all-you-need-to-know/1492424/
in real life if banks are not clearly indicating it in the bill / receipt = I do not see a trend of UPSC asking such a question ki kaun si cheez mein
bank/govt-office/pvt-office kaise badmashi krtaa hai?
We are not here to study or solve the problems of maladministration, corruption, tax evasion etc.
We are here to simply study only as little as what is required for the exam.
This is a hardcore professional course for passing competitive exams. I'm not Satmev-Jayte ka Amir Khan or Youtube ka Dhruv Rathi.#थोड़ा-पढ़ो-आगे-बढ़ो
why don't people accept 50 paisa coin

Because of the fake news and because they fear that if they accept it, then afterwards another party will not accept it. (just like how People
refuse to accept torn-notes because they fear that other party will not accept it later on)
my shopkeeper refuses to accept Rs. 50 paisa coin. Then how can u say it is legal tender?
- as far as the prelim exam is concerned → 50 paisa coins = limited legal tender. remember it. because it is given like that in the books so
remember it for the exam.
- In UPSC OMR answer sheet there are only circles to tike option A, B,C or D. There is no space given in OMR Sheet where you can
write that "50 paisa is not legal tender because my shopkeeper is not accepting it."
- if you feel very outraged with this then file a complaint to police that shopkeeper refusing to accept the legal tender. or you can go one
step ahead and even file a PIL in the Supreme Court about this matter of non-refusal of 50 paisa coins, but until the judgement comes,
Please remember the things as given in the handout.
my shopkeeper refuses to accept Rs. 1 note. Then how can u say it is legal tender?
- as far as the prelim exam is concerned → 50 paisa coins = limited legal tender. remember it. because it is given like that in the books so
remember it for the exam.
- In UPSC OMR answer sheet there are only circles to tike option A, B,C or D. There is no space given in OMR Sheet where you can
write that "50 paisa is not legal tender because my shopkeeper is not accepting it."
- if you feel very outraged with this then file a complaint to police that shopkeeper refusing to accept the legal tender. or you can go one
step ahead and even file a PIL in the Supreme Court about this matter of non-refusal of 50 paisa coins, but until the judgement comes,
Please remember the things as given in the handout.
if one rupee note is be demonetised, then RBI will not replace it, because it doesnt contain "i promise to pay
bearer.."
- for the circulation of coins and one rupee note, RBI acts as the agent of government.
- then for protecting the vote bank, government will issue the notification to help poor people exchange those rs1. notes.
- and there is no trend of UPSC asking such hypothetical exceptional cases. so it will be better if you drop this type of over inquisitive
mind, otherwise you will not be able to finish the simplest of the topics. Your mind will be stuck in such imaginary non-exam oriented
things only over each and every statement.
- I am not saying this to discourage you, but to ensure that this bad habit over 'overthinking / over-interpreting the statements' is nipped in
the bud for your own success in the IAS exam.
coins do not contain promise of "I promise to pay bearer..." so how can we say they are legal tenders?
- as stated in the handout coins are limited legal tenders. for the reasons which are sufficiently explain in the classroom as per the
textbooks
- Are we preparing legal brief for fighting a Supreme Court case? why is there a need for over complicating the simple thing? accept it
and move to the next topic.
currency notes are not unlimited legal tender because government has banned cash payments of 2 lakh and
higher. So, what to tick in the real MCQ?
● in such basic theory questions, usually the answer is taken from the NCERT textbooks so I have advised accordingly to tick "unlimited
legal tender".
● if at all UPSC asked the question and you feel that the answer should be something else. Then there is a seven days window after the
exam, within which you can complain to UPSC to cancel the MCQ.
● but until that "IF and WHEN" happens, there is no need to live under some imaginary fear that this is the only thing for the exam. #थोड़ा-पढ़ो-आगे-
बढ़ो
rupee stored in paytm digital wallet is fiat money or not?

As long as the particular money is issued by government, king ,queen or the Central Bank it is fiat money. Now, whether you are storing it in your under your
pillow or inside a bank or inside a digital wallet it continues to remain a fiat money
2018's Prelims MCQ given in handout-legal tender answre should be "D" because creditor can refuse to accept
more than 2 lakh rupees in cash
● we have to take the "less bad option" as correct one.
● even UPSC's official answer key has said "debtor" option is right.
● because the upsc examiner had framed MCQ for simply testing theoretical definition of legal tender from NCERT textbook.
● now, you are over-complicating the topic for yourself by overthinking in context of modern development that 2lakh/> cash may be
refused by creditor.
● such mental attitude over 'overthinking lawyer-ly fashion' is not suitable for getting good scores in the competitive exam, because you
will be stuck in many economy and polity questions, just like this. because you are thinking about the extremely exceptional cases
where the statement will be wrong, whereas the UPSC examiner is asking about normal cases in which the statement will be correct.
● I am not saying this to discourage you, but to ensure that this bad habit over 'overthinking / over-interpreting the statements' is nipped in
the bud for your own success in the IAS exam.
if i exchange a torn 2000's note to RBI, and RBI offier gives me 2000 nos of Rs.1 Note, then Will any legal action
be taken against him for violating the Coinage Act 2011's limited legal tender?
First the RBI Officers are well aware of the laws so they will not break it
And more importantly there is no "past trend" of UPSC asking this type of "real life operation LLB" questions so we should not be wasting our brain and
time in thinking about such real life operational complications. #थोड़ा-पढ़ो-आगे-बढ़ो
Fiat money / legal tender: i've variety of confusions: why xyz thing is not fiat money/legal tender e.g. cheque
book/ATM cards?
● Handout Page#8 table#3 It is self explanatory that two conditions must be fulfilled.
● If only single condition, but second condition is not fulfilled then it will not become fiat money/ legal tender.
● we have to simply accept the definitions as given in textbooks and then move to the next topic.
● if you do not want to accept the textbook definition, then I am not here to give you some BA or MA economics lecture on that, "Why
definition is like this?". you simply write a suggestion to the NCERT to change the definition.
● very basic level MCQs are asked from it in real exam. This topic is very simple, Unless a person has decided to overcomplicate it for
himself, by overthinking about it. हैंडआउट िे टे बल िो आराम िे पढ़े तो मुद्दा बहुत ही आिान है . ववद्याथी खुद इििो अनावश्यि रुप िे जहटल बना रहा है . #थोड़ा-पढ़ो-
आगे-बढ़ो
Why cheque/DD/card not legal tender even though finance act allows payment through it?
- for the purpose of theory MCQs, we have to go by the interpretation given in NCERT textbook
- To become legal tender two conditions must be fulfilled simultaneously.
- they are clearly and categorically given in the lecture, as well as handout
- For more, refer to slide number 60 of lecture number 2
- https://unacademy.com/class/economy-pillar1a1-money-1-fiat-money-legal-tender-cheque-neft-rtgs/XNZDOZLO
- further, If customer drink a 10 rupees ki tea, and pay the amount in cheque/DD= there is no law that compels the tea seller to accept it.
He is within his rights to refuse the customers payment, and complaint abt the customer to the authorities (and thrash the customer
also, depending on some lawless states of India).
How is SOV a fiat money? Why is bitcoin not fiat money/legal tender?
Handout Page#8 table#3 It is self explanatory that two conditions must be fulfilled. If only single condition is fulfilled then it will not become fiat
money/ legal tender.
Why is bitcoin not fiat money/legal tender?
Handout #1 It is self explanatory that two conditions must be fulfilled. If only single condition, but other condition is is fulfilled then it will not
become fiat money/ legal tender.
This topic is very simple. Unless a person has decided to overcomplicate it for himself, by overthinking about it. While the rest of the students
have already moved on to the next topic.
Demonetisation: What if RBI Central Board does not agree with it?
RBI Central Board will recommended to government of India and then Government of India will notify
in RBI Central Board ultimately the favourite people of the government are sitting Because government is the 100% owner of RBI. so they will
say what the government wants them to say so ultimately the government is getting the things done as per its wish but for the sake of legal-
formality they have to do it like this first RBI Central Board will recommend in writing and then government will notify about demonetisation .
CTS vs Positive Pay not understood?

● positive pay mechanism = requires one more additional step i.e. Roman should click photo of his cheque before giving me.
● CTS didnot require this step originally.
● watch the recorded lecture peacefully and read the handout peacefully, it will become clear to you. Some candidates just glance over the sentences
as if they are glancing over the WhatsApp messages and then they complain it is not understood.
In cheque we also have to write amount in text as well as figures e.g. fifty lakh only. so how is the manipulation
possible and how can positive pay mechanism prevent?
Fraud person may even use some type of chemical to remove the ink and then write the new letters.
How they will manipulate the cheques to do fraud/ scam exactly?

Ans) I do not foresee how UPSC will ask that "modus operandi" question. I have explained it through a very simple example for illustration on
how positive pay mechanism can help the bank crosschecking it through previous image.
we have to simply remember in one line and move to the next topic.
It is my suggestion to all the students not to engage in this "forensic analyst mentality", otherwise you will not be able to finish the syllabus and
you will be stuck in such a small small topics' doubt only.
What is the difference between demand draft and cheque?

● This is sufficiently explained in the lecture and handout. but it is possible that some people who have never gone to bank, they may not
get this idea in their head. so then I would advise them to watch some YouTube video for it.
https://www.youtube.com/results?search_query=chequr+vs+demand+draft
● if I engage in that activity of delivering banking awareness among students, then I will not be able to finish IAS exam Syllabus in time.
I have not understood what is demand draft or overdraft?
● We are not preparing for a banking exam so I cannot explain how demand draft / oevrdraft works, in real life.
● General idea is given in the lecture and handout
● beyond that you may visit the bank / watch youtube videos for satisfy your curiosity.
● if I engage in that activity of delivering banking awareness among students, then I will not be able to finish IAS exam Syllabus in time.
You said that X thing is not possible in non-BHIM App but it is possible I checked
In the digital wallet apps → companies introduce new features & RBI introduces new technical norms on daily basis. We are not here to write a
MBA research paper on their business-model & RBI regulations & individual App's Feature so, . Q.“िर आपने बोल phonePe App में ‘x’ चीज नहीिं हो
ििती, लेकिन मेने try किया तो अब हो ििती है , तो आपने ऐिा क्यों बोला िी वो नहीिं हो ििती?” जवाब: भाई वो सिर्फ आपिो concept िो उदाहरण िे िमजाने िे
सलए है । UPSC asking only general broad MCQs from this. If they ask technical, then goto handout page1, Fig#2. # थोड़ा-पढ़ो-आगे-बढ़ो
Upi vs Bhim and other apps ke 500 doubts

UPI is a technology BHIM as an app Created using the technology Beyond that please refer to the video things are self-explanatory.
do not live under some type of imaginary fear that UPSC is going to ask you write a 250 words short note on how BHIM is different than other
apps simply you have to remember two or three basic one liners for the purpose of MCQ so why is there a need for so much thinking ?
OCR vs CTS difference?

not important for the scope of UPSC exam. #थोड़ा-पढ़ो-आगे-बढ़ो
Redenomination pe PHD Kraao: how it'll affect inflation, purchasing power, deficit, taxation etc?
As I said in the class itself the topic is over further PhD on how redemonimation will affect x/y/z thing in the economy is not important for our
exam. This query is outside the photo frame of what is important for the scope of general studies economy for UPSC, when we look at the trend
of previous years papers.
so while you can satisfy your intellectual curiosity by doing a Google search on this topic, but I don't see it as the best use of time.
How is Credit card and Overdraft different?
- Credit cards for shopping you carry in your pocket. card company will also offer you cashback points/discount @amazon / shopping mall
etc.
- Whereas to avail the overdraft you have to visit the bank branch or log into its portal. they doesn't give u cashback points for it.
NFS vs IMPS- 500 jaat ke doubts
IMPS = money transfer using webportal/mobile app etc.
NFS = ATM connection.
beyond that Questions about operational aspects not important for the scope of exam.
does NFS Also run UPI, BHIM?

refer to correction section C01]
how is semi closed PPI similar or different than XYZ other thing?
low profile technical topic. Its compare and contrast features with 500 other things = not imp for exam.
Brown label ATM white label ATM etc
- Depending on which website or banking related committee report is referred There is some vagueness in the operational aspects of Brown label
ATM.
- The important type is white label ATM = non-bank entity owns and operators. The Other types of ATM labels are of technical nature and therefore
not so greatly important for UPSC that we must remember it.
Micro ATM trust issues
Q) In Micro-ATM, how is it possible for a person to believe that the bankmitra(or a bank agent) is a real one? What if he turns out to be a fake
bankmitra and runs away with the depositors money? Won't there be any trust issues?
Scamsters commit all type of scams by posing as fake police man, fake insurance agent, fake Telecaller from Bank so they may do such thing but does their
methodology for committing a particular scam become important for the scope of exam? answer is no, when we look at previous years papers. so I will
clearly and categorically advise you. At the start of this course I would advise you not to let your mind wander like this into needless non-exam oriented things
Otherwise it will be very difficult for you to finish your syllabus for any subject if your mind is wandering all the time into such questions.
WHY govt has ordered RBI and Banks to pay MDR of large businessmen? Why doesn't government pay it?
in the pillar number#2: budget and taxation, we will be learn that the government does not have enough money to pay for all the schemes. so
they try to shift the burden of subsidies to other parties.
MDR turnover limit 50 cr related doubts
● We have to just remember one line that for big firms with large turnover= their MDR cost will be Borne by RBI + banks.
● The turnover amount and exactly legal wording need not be memorized
How do PhonePe/Mobikwik etc make money when they give freebies/cashback?
- Usually during initial stage, they are giving the things for free to increase the number of subscribers.
- Once they have enough number of subscribers they stop giving freebies. for example Paytm - they are not giving so many cashback as
they used to give in the past.
- In most cases such Tech startups want to increase the number of subscribers → show those subscriber growth figures to attract foreign
investments → → finally listing their companies' shares in IPO so the founders can on truck load of money from aam-aadmi. these
things will become clear to you when we finish pillar 1C and 4B (Startup valuation game)
What is notion of security with physical cash?

some poor people/ elderly people do not understand / trust the banks chequebooks or credit cards. They only prefer to have cash in physical
form. only then they feel their savings are safe. That is the the notion of security associated with physical cash
BBPS vs PRB
Government wants to remove it but RBI is opposed to the Idea store at present nothing is done on that front so BBPS is present and PRB is not
yet made
Why do people buy/invest in bitcoin is even if they know that it is bad?
explained in lecture #4, slide number 54
https://unacademy.com/class/doubt-clearing-session-economy-pillar1a1-money-3-cryptocurrency-bitcoin-intro-ans-writing/TOE5T7N8
further, Why do people watch Bigboss serial? Ans. because they like it, even though it may not be good for their mental health.
In the above text, replace the word "big boss" with "bitcoin" and "mental" with "financial".
what is the difference between E-money vs Digital Money?
- e-money= bank money used in Digital money. digital money= definition differs. some websites may take it towards the blockchain walla crypto-
currency,.
- But we need not live in some imaginary fear that upsc will ask difference between e-money vs digital money.
- because as far as the UPSC prelims and mains questions are concerned, they are confined around to sources :
- A) theory = what is given in textbooks.
- B) current issues= what is given in government press-statements/reports/magazines/ and economic survey and budget speech and some very big
topics from indianexpress/theHindu.
- so until some really big, big article comes in above resources dealing with the difference between those two terms= what we need not lose our sleep.
if blockchain ensures transparency then how can we not detect bitcoin transactions not be
detected/anonymous?
in following lecture refer to slide 51 and slide 78
They use some encryption technology. we are not here for B.Tech Computer science semester exam. C++ language can be used for making
virus, as well as for making a painting software. that doesnt mean painting software can't do 'anti-virus' work.
If the government regulate the stablecoins then they cannot be misused for money laundering so why is
government not allowing it?
Facebook was allegedly misused by the Russian authorities for influencing the American election 2) facebook accused of avoiding taxes in
EU/France. so governments across the world do not trust Facebook very much. Therefore they are not per meeting it beyond stablecoin is not
a really high profile topic that we've Spend so much time analysing it.
why World bank's bond-i is asking Australian Dollar why not issuing bonds in American Dollar?
Because they are asking the Australian people to invest in that particular Bond Australian people will have Australian currency and not American currency
My question is not listed in the above questions

That means
A. it is not important for the scope of our UPSC exam. You can satisfy your query by doing Google search but I don't think that will be the
best use of your time. OR
B. I have explained the topic sufficiently in the lecture/ PowerPoint/ handout but you have not attentively listened to it / read it carefully
...and due to paucity of time, I can't provide personal tuition class to individual weak students, please opt for iconic package where
unacademy assigns you a personal mentor.
Economy updates during Oct20 to Feb21?
- Whatever economic updates are happening during october to Feb, if they are not covered in the present handout → they will be covered
in the last lecture on revision & updates of this course or afterwards in the win21CSP series.
- For example Pillar1A2: RBI monetary policy → We will be finished with this topic in November 2020.
- But, MPC committee will update the monetary policies every two-two months (or even earlier / or at random interval, in Corona). So if a
new update is coming in the month of December 2020= we will see those collectively in the Win21CSP series updates.
- Suppose I'm teaching pillar4 (GDP) in December 2020, and, If I randomly stop teaching it, and just to go back to that particular thing of
pillar1A2 ke dekho this new update came= it is not a systematic way to complete the syllabus. Because we are targeting prelims
2021. UPSC is not conducting the Prelim exam tomorrow, that we've to update our notes tonight itself! So please have patience. Topics
will be covered at the appropriate time.
After your course is over, how to receive updates on new CA/budget/economic survey 2021?
- I will covering them through Win21CSP series next year
- To understand the principle, watch this video- https://www.youtube.com/watch?v=HreP1dspaQQ
What topics are you going to teach in economy?
I have addressed this query sufficiently at the lecture 1’s introductory part itself. Please re-watch the recorded session at
Q3. After your economy course is over what should we do for economy afterwards?
Explain in the last lecture slide 115 onwards
https://unacademy.com/class/economy-microeconomics-part-ii/LBH1IAV6
D01A2] Economy Specific Doubts → Pillar#1A2: Monetary policy

Difference between monetary policy and fiscal policy
monetary policy fiscal policy
Made by Reserve Bank of India which tools Made by the government/ it finally ministry
using CRR SLR repo rate excetra through taxation subsidies budget
disinvestment extracta
to be covered in mrunal's lecture pillar1A2 to be covered in mrunal's lecture pillar2

What is financial inclusion
It involves providing more access to banking, insurance, pension and loan facility to the poor people and villagers. We will learn more about
that in Pillar1D
if [capital+liability(deposits)+net profit=assets] then how can bank's deposits are its liabilities when it equals
assets?
two sides of the equations are two separate things.
Mathematically they will become equal does not mean characteristic wise they will become equal.
If Amitabh Bachchan height is 6 feet and Sanjay Dutt height also 6 feet that does not mean Amitabh Bachchan's acting skill= Sanjay Dutt's
acting skill.
it's merely height of Amitabh Bachchan= height of Sanjay Dutt
What is Foreign securities?

Issued by foreign governments to borrow money
Current account require minimum balance
If current account get zero balance, banks may not levy penalty on it. Yes in real life some banks may have different features / rules wherein
they require you to keep some minimum balance, but we are not here to prepare for IBPS exam- We have to prepare it in just very basic
understanding level.
Banks assets and liabilities

● From banks point of view
● current account , savings account = liability
● overdraft taken from current account / saving account= asset
Narrow money broad money
M1 and M2= are called narrow money
M3 and m4= are called broad money (Because they are bigger in size or quantity than M1, M2)
NCERT has not bothered to explain it in much greater detail and therefore we need not do some special separate study on it
Hot money
We will learn that in pillar 3A → FPI
Why does RBI take M3 as the aggregate money supply and not M4?
Post office deposits are not very liquid. and they goto govt's borrowing. So RBI will not get a very clear projection on the general public demand
from that. so, it prefers to use M3 (Where post office is ignored) rather than M2 and M4.
If M2 Includes post office money then why doesn't M3 include post office money?
● Because the RBI has devised the formula in such manner and it is given in the NCERT in such manner. NCERT has not bothered to
explain the "why" part of it and therefore we need not waste time doing the Google search ourselves on the "why" part.
● Because in UPSC, the economic theory questions don't go deeper than NCERT level understanding.
● Still if you feel very outraged by this, you can always send a letter to Reserve Bank of India To change the definition, but until it is
implemented, please memorize the formulas as given in the handout.
What is vault cash?
Vault cash is some amount of money that banks keep with themselves for day-to-day operation.
For example if 100 rupee deposit came → 3 gone in CRR, 18 gone in SLR but it doesn't mean all of the remaining 79 rupees will be loaned out.
Bank will keep some money with themselves because some other depositor may come and want to withdraw it next day.
If I withdraw money from the bank account how will RBI know how much money I have?
RBI has issued M0. So if the money is not found in the Time or demand deposits of banks or post office then they can extrapolate the data
across equations of M0 to M4 to find the money in coin and currency category. RBI manager does not have to come and check your wallet for
that.
Does m0 count public money deposited in banks?

No it does not. Refer to the formula given in handout
because Objective of m0 is to found out how much physical coins and currency notes are there in the system.
If we start counting the public's money deposited in ordinary banks, then due to bank money (same 100 rupees reflecting in Multiple accounts
through cheque and NEFT etc) will lead to multiple counting of same physical notes.
What is banking penetration?

Increasing the number of Bank branches in the rural areas, So that more and more people can deposit money need and that will help in
improving the M3 and money multiplier
How does money multiplier help the economy?
better Money multiplier = larger M3 (money supply)
If banks are having large amount of money supply → they will pass the loans quickly so it can help boosting the demand, production and GDP.
Financial inclusion and banking penetration improve the money multiplier → M3 increased → Will it not bring
inflation?
If financial inclusion results into to large increase in deposits, then RBI Can always use the CRR and SLR to 'lock' a part of the deposits, If RBI
feel that it is increasing the inflation due to the increase in money multiplier effect.
And financial inclusion is required for the Welfare of the poor people so it need not be seen in the narrow sense of some type of obstacle to
inflation control.
Post office savings are borrowed by the government then how will it increase the inflation?
Government is borrowing money from public but ultimately government will pay that money to some employee / Scheme beneficiary /Highway
contractor Who will go in the market and buy the onions there will be a shortage of onions so there will be an inflation
will "X" thing not lead to double counting of money in the formula of M0-M1-M2-M3-M4
I can explain it with further illustration taking another half hour of lecture.
But I do not foresee UPSC asking you to "illustrate how this formula is not double counting?"
Simple formulas are given in the hand out. why is there a need to waste so much of our time and mental energy into learning "Insightful
explanation of everything" when we can move ahead and finish so many other pending topics!
What happens to the money supply if parents send money to foreign country to their children studying abroad ?
The money supply formula is given in the pillar 1 A1Handout if the parent is sending the money abroad Ultimately they are not sending the
Indian currency abroad they are converting the Indian currency into foreign currency and therefore the Indian currency is going to stay within
India in the the cash or bank account of some Forex Dealer so depending on whether it is staying in the cash or in the the bank account you put
the figure in the money supply formulas M1 to M4
Regarding balance of payment which is a separate concept learnt in pillar 3
It will be subtracted As Import of the foreign education service
or subtracted as remittance depending on how the money is being used by their children in the foreign country
All types of Doubts over M0-M1-M2-M3-M4
- The topic is sufficiently explained in the class From exam point of view. your doubt are coming because you are thinking outside the
photo frame which is not required for the scope of exam
- The answer to all of your "why it is like this, and why not like that"?... my answer is: We have learnt the basic things as given in the
NCERT. NCERT has not bothered to explain the "why" part of it, and therefore we need not waste time doing the Google search
ourselves on the "why" part.
- Because in UPSC, the economic theory questions don't go deeper than NCERT level understanding. You can satisfy your curiosity by
doing Google search by yourself but I don't see it is the best use of time. This course is meant for hardcore competitive exam oriented
preparation only. This course is not running Lady Shri Ram College MA economics class here.
- https://unacademy.com/class/economy-pillar1a2-monetary-policy1-money-supply-m1-m4/8FJCUJBT
All types of Doubts over over M0 and money multiplier effect
- slide 29 and slide 30. and also slide number 76 and 77.
- https://unacademy.com/class/economy-pillar1a2-monetary-policy2-quantitative-tools-m0-multiplier-crr-slr/R4V7J2PG
Relationship between SLR and money multiplier?
- The relationship between SLR and money multiplier cannot be defined through a simple single formula. reasons I have explained in
slide 11 of this lecture
- https://unacademy.com/class/economy-pillar1a2-monetary-policy3-quantitative-tools-repo-tltro-msf-omo/428YZSR6
How can one rupee coin be both asset and liability in RBI?
- The topic is sufficiently explained in the class, If you bother to listen to the video carefully and observe the slides carefully.
https://unacademy.com/class/economy-pillar1a2-monetary-policy2-quantitative-tools-m0-multiplier-crr-slr/R4V7J2PG
If RBI is purchasing foreign Government Security how does that increase the money supply in India?
Ultimately that rupee currency will come back to Indian market. after all it cannot be used in the foreign country as 'legal tender' so they (foreign
nation government) will use the Indian currency to buy something from Indian exporter. So Indian currency is coming back to Indian market
eventually.
RBI asset liability related 500 type ke questions
- The topic is sufficiently explained in the class, If you bother to listen to the video carefully and observe the slides carefully.
https://unacademy.com/class/economy-pillar1a2-monetary-policy2-quantitative-tools-m0-multiplier-crr-slr/R4V7J2PG
- your doubt are coming because you are thinking outside the photo frame which is not required for the scope of exam
- The answer to all of your "why it is like this, and why not like that"?... my answer is: We have learnt the basic things as given in the
NCERT. NCERT has not bothered to explain the "why" part of it, and therefore we need not waste time in it.
- Because in UPSC, the economic theory questions don't go deeper than NCERT level understanding. You can satisfy your curiosity by
doing Google search/Additional reading from higher level economics books by yourself but I don't see it is the best use of time. This
course is meant for hardcore competitive exam oriented preparation only. This course is not running Lady Shri Ram College MA
economics class here.
Velocity of money
● We have to prepare the logical connectives from A → B.
● Because the level of economic theory MCQ is confined to whether A leads to B or not.
● So, accordingly dost Bullet points related to velocity of the money need to be prepared
● You start putting 25 factors into one connective you will not be able to tick the MCQs, As it will bring Birbal Khichdi effect into the picture
What if someone does not repay the loan where no Collateral is given?
- e.g. student education loan.
- In every bank loan they require borrower to get signature of some guarentators (e.g. parents, colleagues, relatives, boss, etc.) So, even
if the bank loan is given without 'collateral', the bank will initiate legal action against those guarentators to recover the money.
- If loan was given under some government scheme, then NCGTC etc may cover bank's loses.
- How that entire legal And administrative process works ? Ans = We are not here for the LLB exam. #थोड़ा-पढ़ो-आगे-बढ़ो
If money supply is increased how will interest rate decrease?
If 10 merchants get more quantity of onions to sell (compared to last month), then atleast one of them will reduce the prices to attract the
customers.
Similarly if RBI increases money supply by reducing CRR/SLR etc, At least one bank may reduce its loan interest rates which will force the
others to do the same.
How can CRR be an asset for the bank when RBI is not paying interest on it?
● Because CRR is a 0% interest-walli deposit made by bank into RBI. So, RBI is required to give it back to the bank eventually someday.
● So we cannot put it on the liability side of bank. So it is on the Asset side
CRR on G-Sec?
● CRR is counted on the deposits made in the banks. Example current account and savings account and fixed deposit.
● Do not mix it up with the G-sec Which is issued by the Union and State governments to borrow money from the market
Why not decrease the CRR further, to revive the economy after Corona?
If the CRR is reduced too much then it will make the bank vulnerable during the the" bank run" situation
Can banks pledge the SLR-gold to borrow money from RBI?
in RBI's MSF window, bank can pledge its SLR quota G-Sec for borrowing funds. Do not mix this concept with the gold investment. If bank has
invested SLR money in Gold then Bank can sell it in the market to get the money
When MCQ says interest rate does it mean deposit wala aur loan wala?
whenever the word interest is mentioned in MCQ,
by default, we have to assume that it is about loan Interest.
If UPSC examiner wants to ask about the deposit interest rate then he will specifically mention it ke "Deposit interest rate".
What is MSF and LAF?
Explained in the class
https://unacademy.com/class/economy-pillar1a2-monetary-policy3-quantitative-tools-repo-tltro-msf-omo/428YZSR6
Bank rate?
● clients borrow money from Reserve Bank of India and Reserve Bank of India may charge this much interest rate on it.
● However this mechanism is not frequently used because at present Reserve Bank of India uses repo rate mechanism
● How bank rate and repo rate is different is given sufficient in the handout.
How is bond yield inversely related to price?
● pillar1A2: Monetary policy → Operation twist: Relationship between the bond yield and Bond prices = Sufficiently explained with a very
very simple example.
● if still unable to understand, then rewatch video, read the powerpoint carefully, read the handout carefully or simply memorize the
statement.
LTRO / TLTRO: i've xyz doubt because my blood pressure is raised after spotting some random column in the
newspaper or some random MCQ in private mock test!
- slide 21 onwards https://unacademy.com/class/economy-pillar1a2-monetary-policy3-quantitative-tools-repo-tltro-msf-omo/428YZSR6
- I have sufficiently explained the things in simplest manner, upto the extend that is important for the scope of UPSC exam (which i call as
'the photoframe')
- if not understood then please revise the video read the handout very carefully
- beyond that you are x y z questions about Op.Twist/ TLTRO are not important for the scope of exam
- you can satisfy your intellectual curiosity by doing Google Search on it but I don't think that is the best use of your time
Difference between bank rate and LTRO

Bank rate is an older-obscure thing over which We don't have to waste any more time by living in fear what if "Bank rate vs LTRO" is asked.
Tell me about the different types of government securities

The types of short term and long term government securities are explained in the lecture. more to be seen in Pillar1C
Apart from Reserve Bank what other sources can government borrow money from?
Reserve Bank acts as the debt manager of government. govt can also borrow from Post-office savings scheme going into NSSF (more in
pillar2), International Institutions such as World Bank IMF Asian Development Bank BRICS bank excetra which we will stay under the pillar 3
Can ordinary people buy government securities from RBI under the open market operations and how is this
different from the the secondary market?
Will become clear to you when we enter pillar 1C: sebi-sharemarket
In the operation twist if RBI is forcibly buying the Government Security it will reduce the trust of investors in G
Sec . will it not?
● it's not bought forcefully. If the investor does not want to sell his G-sec before maturity, then Nobody's pointing gun on his head.
● RBI simply offering money if g-sec holder finds attractive or if he is in Desperate need of money, they'll play the game. Otherwise investor will just sit
and receive interest from the government
● and, Why is there a need to put so much imagination outside the "photoframe", into simple things when I have already said the topic is over from
Exam point of view. #थोड़ा-पढ़ो-आगे-बढ़ो
Operation Twist: i've xyz doubt because my habit to think outside of photo-frame, my blood pressure is raised
after spotting some random column in newspaper or some random MCQ in private mock test!
- slide 86 onwards https://unacademy.com/class/economy-pillar1a2-monetary-policy3-quantitative-tools-repo-tltro-msf-omo/428YZSR6
- I have sufficiently explained the things in simplest manner, upto the extend that is important for the scope of UPSC exam (which i call as
'the photoframe')
- if not understood then please revise the video and read the handout very carefully.
- beyond that you are x y z questions about Op.Twist/ TLTRO are not important for the scope of exam
- you can satisfy your intellectual curiosity by doing Google Search on it but I don't think that is the best use of your time
If RBI keeps the government security with itself it will earn profit/ interest from the government then why will RBI
sell it in the open market operations?
RBI's legal responsibility to control the inflation within 2-6%, so all of the of decisions of RBI are not necessarily driven by profit motive only
What if Government Security gets stolen?

At present they are issued in a digital format and linked to the Demat account of investors. So if G-sec gets stolen/transferred to another
account because of cybercrime / fraud then investor will have to complain to the police who will be able to help him get justice.
Why is repo the main tool of monetary policy, When it is very ineffective giving any result?
- Because the other tools (e.g. MSF) are even less impactful on the economy.
- And you cannot use CRR SLR too much or otherwise it will affect the bank run buffer protection. so repo is used.
- It is for some great economics like Dr Raghuram Rajan to invent some new tool of monetary policy that can be effective for India. But
until that happens just remember repo rate for sake of MCQs and move to the next topic.
How is sdf different than reverse repo rate ?
Reverse repo rate requires Government Security as collateral. SDF will not require G-Sec as collateral. Besides sdf is not implemented in
reality so until it is implemented in reality... it is difficult to say how exactly SDF will be different than reverse repo rate
How is CRR different and reverse repo rate

This is very sad that students preparing for IAS exam, require this much spoon feeding. They are supposed have the mental capacity to draw
this much parallel / comprehension on their own
CRR reverse repo rate
Legally it is compulsory for a bank to keep Legally it is not compulsory for bank to
part of its deposit with RBI as CRR for invest in this.
protection against Bank-run If the bank has extra funds and it is
interested to park it in RBI then it can do so.
CRR applicable only on banks All clients of RBI including banks and nbfc is
Union and State Government can park their
extra funds in RBI using this
By default RBI does not pay any interest on pays interest

CRR deposits
How is Consumer credit control and rationing of credit different?
rationing of credit Consumer credit control
USSR= - RBI prescribing minimum Installment

- One person not eligible for more amount. Ref NANO example.
than this quantity of loan. - RBI is not prescribing person is not
- he'll get X loan at y% interest eligible for getting loans beyond this
limit
Why or how is loan-to-value not a quantitative tool?
there are two types of tools
- A) Quantitative /indirect /general. It is not necessary that single tool needs to have all three property.
- B) Qualitative /direct/selective. It is not necessary that single tool needs to have all three property.
In case of loan to value ratio =It is direct because it will directly affect the loan size as per the % value of collateral. it is selective because it
does not affect all type of loans. so, the books have put it under set -b
What is a regulatory sandbox?

Technical mechanism Used by financial regulators before allowing new products/companies but not important for our scope of exam.
FSRASC and selection of RBI side members in MPC

● Who will become the governor of Reserve Bank?
● Who will become the Dy governor of of Reserve Bank?
● This will be done by FSRASC comtteee Headed by the Cabinet Secretary (IAS).
● FSRASC are not separately selecting RBI side persons to become members of monetary policy. Whoever is the Governor will
automatically become the chairman of the monetary policy committee
● And whoever deputy governor is allotted the monetary policy department will automatically become the member of the monetary policy
committee
if priority-target#1 is inflation controlled then why is RBI focusing on GDP at present in corona, Why doesn't RBI
increased the repo rate to combat inflation at present?
● RBI inflation target will fail if they fail to control inflation in 2-6% range Continuously for 9 months so in between if there is target limit
crossed they may still focus on the GDP and secondly corona crisis had put so much unprecedented problems in our economy that RBI
is trying to firefight GDP problem first- By keeping the Repo and CRR at low range to boost the demand in the economy.
● if RBI fails to control the inflation in that 2-6% range it is not mean that government is going to remove governor and MPC members
from jobs, because law doesnt require that. RBI law simply says if MPC Failed to achieve the target they'll simply have to to send one
report to govt Explaining why they failed to control the inflation.
External benchmark
- bank have to publish it on their website that we have selected "X benchmark" for a particular category of loans (e.g. home loan,
autoloan).
- If they want to change benchmark, they may do so, But the old customers will continue to function under the previous benchmark under
which they had taken loans..
My question is not listed in the above questions or I didnot understand topic
That means
A. it is not important for the scope of our UPSC exam. You can satisfy your query by doing Google search but I don't think that will be the
best use of your time. OR
B. I have explained the topic sufficiently in the lecture/ PowerPoint/ handout but you have not attentively listened to it / read it carefully
...and due to paucity of time, I can't provide personal tuition class to single student.
D01B1] Economy Specific Doubts → Pillar#1B1: Classification of bank nbfc
How can Paytm Bank give loans and credit cards and fixed deposits despite being a payment Bank?
Payment banks are not allowed to accept fixed deposit and they are not allowed to give credit cards or loans however Paytm bank has tied up
with some other scheduled commercial banks to provide such facilities as an agent of those bigger banks, but this type of the general
knowledge not important for the scope of our exam
One of RBI committee recommended giving Bank licence to large corporates in nbfcs. What is the way forward?
● On-tap licensing system, there are certain technical rules which prevent Very large sized corporate companies from applying for bank
license. e.g. If annual turnover is bigger than "X" crore then license will not be given, if you've sufficient capital.
● Raghuram Rajan haad made such rules so as to prevent ILFS/Adani/Birla/Ambani etc other characters from entering in the banking
sector because, he may have feared that they will create some scam.
● I had not covered all that in the original lecture on bank license, because at that time this topic (new committee suggesting giving
license to large corporates and NBFCs) was not in the news.
● Some of the experts feel that it will help increasing the cheaper loans, Innovation and customer satisfaction due to increased
competition among the banks.
● Others such as former RBI Governor Dr. Raghuram Rajan fear that it will create more scams like Yes Bank, ICICI-Vodafone loan scam,
ILFS crisis etc.
● What should be the way forward? Well in the next year's economic survey, definitely the chief economic advisor will mention somethings
and ultimately his stand is what we should be writing in the main exam. so, wait and watch! for my Win21CSP series next year
RBI role in branch expansion

Under the the Banking Regulation Act RBI gives permission to the banks to open new branches
So RBI is well within its rights to give blanket approval that open as many branches as you want just keep in mind to set up 25% of branches in
the rural area.
Doubts over scheduled non-scheduled bank eligibility conditions
Explain sufficiently in the lecture and handout of Pillar1B1 series.
How to open a bank/scheduled vs non-schedule?
If you open a commercial bank at present, the steps are as following
1. First you have to register the company with Ministry of Corporate Affairs
2. then you've to mobilize minimum 500 cr capital. for this, If you want to issue shares in the share market then you have to get permission from SEBI
3. finally, If you want to open the bank you have to get license from RBI. If RBI is satisfied, it will give you licence as an non-scheduled (commercial)
bank.
4. After that you run the bank, and once you satisfy the two conditions which we learnt in the class then RBI will give you the status of "scheduled
(Commercial) bank."
CRR and SLR on non-scheduled banks
- CRR they've to keep in their own bank vault.
- SLR have to invest as for the guidelines of RBI. how exactly it works in real life is not important for the scope of exam.
If starting a bank request 500 cr then why is scheduled bank status required 5 lakh rs?
Explain sufficiently in the lecture and handout of Pillar1B1 series.
if SFBs already have Rs.100 cr capital Why doesn't RBI give them automatic schedule bank status?
Because they have to meet two conditions Simultaneously
1. capital (Which they already have)
2. RBI must be satisfied that Bank is protecting the deposit holders through good/honest business practices
so, RBI will observe it for a few months or years to satisfy for condition #2 before granting the schedule status
Doubt of paid up capital vs authorized capital
explained in this following lecture @slide number 36 to 39
https://unacademy.com/class/economy-pillar1b1-fi-classification1-rbi-scb-psb-merger/76EJ6WRL
Do non scheduled banks have to comply with Priority sector lending norms?
It may be applicable if RBI specifically issues a notification for example local area banks are not scheduled banks yet RBI has issued
notification that they have to comply with the priority sector lending norms
Narsimham / narasimham committee
● 1970s = Narsimham committee formed for Financial inclusion and at that time he suggested RRB
● 1991 =same gentleman Narsimham’s committed formed for Banking sector reforms . So, when we say banking sector reforms, the first
time Narsimham’s committee made in 1991, then second time same gentleman’s committee made in the late 90s.
● 1997-98: Second time it was constituted for banking sector reforms so we say Narsimham-II
Cooperative society what is it?
Cooperative societies are formed by villagers pool their savings / milk / grains etc. And use it for some commercial or financial purpose.
However they do not function properly on the basis of profit motive Unlike the registered companies. And their voting process is more
democratic in nature than registred companies- where Majority shareholders will dictate the outcomes.
Doubt over Banking equation
- The basic equation is "capital + liability + profit = assets".
- it's expanded into "share capital + bond capital + deposits liabilities + net profit = assets." for the simplifying the concept of BASEL
norms / AT1 bonds. Unnecessarily there is no need for so much hairsplittery / B.Com-giri over it ke where will you count X thing or Y
thing. I could make a one hour YouTube video on that but I don't really see the exam worthiness of that per suit.
can PAID UP CAPITAL be more than AUTHORISED CAPITAL in any case ??
We are learning economy as much as it is important for general studies. We are not here for the BCom exam or Commerce and accountancy
optional subject
In the scheduled commercial bank requirement what is meant by "RESERVES"?

BCom / accounancy thing not important for the scope of exam. it could mean capital reserves (to offset capital losses), securities premium
reserve (can be used to buyback shares), general reserves (can be used for any useful purposes including dividend or working capital) and
surplus cash (can be used for dividend).
Merger vs amalgamation vs share swap

Merger/ amalgamation all those things basically point to small banks getting absorbed inside a big bank. How their mechanism is internal
different is not important for the scope of our exam
Was UTI-Axis Bank / IDBI Bank a public Sector bank in the 90s when they got licence?
Sufficient to know that they're private sector banks at present. The whole history perspective is not important for the scope of exam the table
shows you Rapid revision for their present status as private sector banks.
At present IDBI is owned by LIC which is owned by government of India but RBI still considered IDBI as a private sector bank because
government is directly not the majority shareholder
Similarly
UTI-MF got license for UTI-Bank- It would have been treated as private sector bank
Further, UTI bank → later on majority shareholding sold to private investors and it became 'Axis bank'- So at present Axis is a private sector
bank.
SFB Eligibility entry capital norms- Why they were different before, and why changed in on-tap?
● Small finance Bank licensing
● 1st round: Last date to apply was February 2, 2015. At that time minimum entry capital requirement 100 crore If you missed that date
you could not apply for it
● then in recent years,Reserve Bank allowed the on tap system wherein you can apply any time you want but entry capital is 200 cr.
● If you have any objections/suggestions in that regard you may send it to Reserve Bank of India. #थोड़ा-पढ़ो-आगे-बढ़ो
Can bank employees go on hartal or strikes ?

It is banned during corona. we will study in pillar 4: Under labour laws
If National housing bank is now owned by the government then how come RBI regulate it?
State Bank of India is also owned by the government of India and yet RBI regulates it.
Do not mix up ownership and regulation. those are two separate things.
RBI gets to regulate AIFIs because It has the residuary powers to Regulate all non banking Financial Institutions which are not regulated by any
other Regulator.
Why did the government take over the ownership of NHB/NABARD etc from RBI?
- RBI can regulate the more "Impartially"
- Government can install its own favourite people into the board of director of those AIFIs
NHB/NABARD/SIDBI/EXIM i didnt understand

(i) Nabard provides loans to various banks and nbfc so that they can give loans to farmers and villagers. (ii) further NABARD also regulates the
regional rural banks and cooperative banks on behalf of Reserve Bank of India. And a few other factors which are given in handouts.
Like that these are simple topics simply explained in the lecture also. if unable to understand then go thru section D9999] of this FAQ
document.
you have defined BANK - take deposit and give credit but PAYMENT BANKS like Paytm can't give credit how
they are banks?
That is correct but RBI has given it banking licence under the Banking Regulation Act, so we have to accept For the purpose of MCQs Even if
they are not fitting the traditional definition of bank
Bajaj Finserv how can it give a credit card if it is a non banking financial company then as per the handout it
cannot give credit card
Bajaj Finserv is giving you the credit card of RBL "Bank" if you read the fineprints carefully.
https://www.bajajfinserv.in/apply-for-credit-card
Just like Paytm payment bank is not allowed to accept fixed deposit yet it is doing it as agent of IndusInd Bank Ltd, if you read the fineprints
carefully.
https://www.paytmbank.com/products/fixed-deposit
If Bank have licences primary dealer then how can primary dealers are treated in the non-bank part?
banks have taken separate licence as primary dealer
It is just like SBI also runs mutual fund but "SBI Mutual Fund" as an entity not a bank it is an nbfc.
D01B2] Economy Specific Doubts → Pillar#1B2: Burning issues in the banking sector
If npa percentage are decreasing then, why is profitability not increasing?
Profitability also depends on at what percentage interest rate the loans are being given. Similarly, because of Punjab National Bank Nirav Modi
fraud lot of money has been siphoned off and Punjab National Bank required to honour those letter of undertaking
Thirdly, for Basel norms recapitalization they may have to issue bonds in the market and pay interest rate on that so there are many factors
which affect the profitability and not just the NPA
What is credit growth?
If last year Bank give 100 Rupees as loans and this year it has given 110 rupees as loans then we can say the credit growth is 10% (Increase
in the quantity of loans compared to previous year)
What is the difference between subprime crisis and global financial crisis?
American banks and nbfc had givenhome loans to many borrowers who did not had the capacity to repay the loans. so their system collapsed
in 2007- Known as the subprime crisis
and because of that downturn in the American economy → many other countries economy is also suffered because they had either invested
money in American share market or they were exporting lot of their goods and services to America but now the exports fell. So, collectively that
is known as a global financial crisis (GFC)
Of course there are many more finer points and reasons to it but because now it is a very old, topic so this general 1-2 points idea is sufficient
How or why do Bank give 0% EMI on ECommerce website shopping?
in most cases, it is not zero interest if you read the terms and conditions carefully, usually there is 14 % interest. only the processing fees is
"zero".
Why is haircut not included in the equation of the stressed assets?

The definition and formula is taken from the economic survey they have not bothered to explain the reasons- "why it is like that" and therefore
we need not waste our time finding the explanation.
since there is no trend of UPSC asking from Question up to that depth ("why it it is like that?), if economic survey did not explain the "why it it is
like that?".
What is IBBI directive on Avoidance Transaction?

- It's Technical concept not important for the scope of the exam.
- If any teacher teaching it / private quizmaster is asking MCQ on it then please ask them to first go through previous years official papers
and ask him to prove where's the pattern of such questions being asked in real exam?
NCLT grants moratorium

Suppose Gautam Adani has taken loan from State Bank of India and Axis, and he is unable to repay them. SBI want for IBC, but if at the same
time Axis starts attaching Liquidating some of the assets under Sarfaesi Act then It will become difficult for the insolvency professional to work
out a resolution plan under the IBC code → therefore nclt will prevent axis from such unilateral action.
What is meant by the withdrawal of the resolution plan?
when the lenders want to take the case back and stop the proceedings.
IBC OC/FC Air India Pilot Salary Case
- IBC code has been amended multiple times and then even after some Supreme Court PIL some more technical reforms were made.
- So such operational creditor and financial creditor who can complaint under what circumstances = that thing is not so greatly important
for the scope of MCQs..noone should lose sleep over it just because looking at the Hindus technical columns like "SC allows AirIndia
pilot pending salary to file under IBC etc".
Payment Bank cannot give loan then how is BASEL norm applicable?
- Technically the Basel norms are calculating the risk weighted assets (loan is just a component of bank's multiple types of assets).
- So, even if bank not giving loans, its investment in assets like G-sec or FD with other banks = risk involved. So accordingly the payment
bank will have to comply with RWA/CRAR BASEL norms.
What is bail in and bail out?

bail-out = Government using the the taxpayers money to save a failing bank/NBFC
bail-in= When the depositors for investors money is used to save a failing bank/NBFC
How does ILFS help in the infrastructure Finance?

IL&FS will mobilize the funds by issuing its own debt securities in the market and then provide the loans to the highway developer
it is not that all the Highways are 100% financed by the government of India
this will become more clear to you when we learn about infrastructure finance and public private partnership in the pillar5
Blunt action versus calibrated actions
blunt action = banning Letter of credits
calibrated action=example banning letter of credits above $1,00,000 rather than banning all of them.
Prompt corrective action Framework versus direct action

Direct action is general term used for any type of penalty given by RBI.
Prompt corrective action is a set of guidelines/framework that RBI will do these types of penalties on violations by the banks. so, PCA can be
said, a subset of direct action.
There is no need to over complicate this simple topic, by thinking too much about how that affects the economy in the Grand scale / Money
supply etc. that much thinking "outside the photo frame" is not required for the scope of MCQs.
Credit information company versus credit rating company

Credit information companies primarily aim to provide borrowers information to the bankers. credit rating companies primarily aim to provide
rating (AAA, B, D etc) of a particular g-sec/Bond to the investors.
D01C] Economy Specific Doubts → Pillar#1C: SEBI sharemarket
Negative yield/Inverted Bond yield

It is a technical concept from financial market that I do not consider very important so I have not bothered to teach it in this batch if you want to
satisfy the intellectual curiosity I have explained it in this win 20 CSP series slide number 68 onwards
https://unacademy.com/class/mrunals-win20csp-economy-update-pillar1-for-old-batches-students/C509DQYU
If excessive Gold import is bad for the economy then why not ban it completely?
Excessive Import of gold results into weakening of rupee however if we completely banned the the sale of gold then it will result in more
smuggling by Dawood Ibrahim type of mafias.Then it will create new set of problems
Difference between the Ministry of Corporate Affairs and ministry of finance?

Administrative Responsibilities of the Corporate Affairs ministry = Last few pages of pillar1C handout.
Administrative Responsibilities of the Finance ministry = first few pages of pillar2 handout.
Sweet equity vs sweat equity

Refer to the two cells given in page 142
in IDR What happens if the company fails?

Every share investment comes with some element of risk.
if the foreign company gets liquidated then ICICI being in possession of its shares, so icici will get some money after liquidation and then it will
distribute it among the IDR holders.
You said the state treasury bills have been discontinued but xyz website says otherwise
Govt's India yearbook said that treasury bills have been discontinued
UPSC official answer key has also gone by that interpretation for that particular MCQ.
So I don't see the benefit of doing self research like a forensic investigator. #थोड़ा-पढ़ो-आगे-बढ़ो
How can Abu Dhabi sovereign investment invest in private sector company like jio?
Abu Dhabi investment authority itself may be owned/controlled by the government of Abu Dhabi.
but, there is no prohibition that they cannot invest in India's private sector company. They will invest the money wherever they please.
refer to pillar1C lectures for more.
ADR/GDR Atmanirbhar reforms not understood

If not understood then simply remember one sentence that "government has taken reforms ADR/GDR to help the Indian companies raise
capital from abroad."
What is Public Account, Consolidated Fund & fiscal deficit?

- During the lecture 1C on "ways and means advances" and its handout , I have clearly said that "we will learn abt Public account and
consolidated fund and fiscal deficit in pillar 2 budget."
- so plz have patience. Lecture is not a Wikipedia page where you can click the links to directly jump to the thing you want to learn. Every
topic comes in a particular sequence.
- If you are more eager to learn everything in advance as per your mood, then please see the recorded videos of the previous batch.
https://unacademy.com/@mrunal.org
Why is excessive gold consumption bad for economy?
- Explained in the Pillar1C: Inflation index bond lecture video itself, how gold consumption increases our import bill → weakens rupee →
crude oil expensive → petrol expensive → transport expensive → inflation. ref slide#73: https://unacademy.com/class/economy-pillar1b2-
rbi-dividend-wma-pill1c1-sebi1-debt-instruments-in-money-market/X2ICFIHI
- more we'll see in pillar3 lectures.
How can pvt limited company have shareholding?
- they can ask friends and family, venture capital funds, angel investors and other type of investors to invest in the company.
- They cannot put an advertisement in the newspaper that we are inviting the public at large to buy our shares.
Why is real estate speculative investment bad for the economy?
- One person needs only one house to live. But if he person starts buying 4-5 houses just for the sake of "Investment" → demand of
houses increase → House prices increase → Inflation increase
- further, real estate investment also provides opportunities for tax evasion and generation of black money= which is also bad for the
economy.
What is Blue chip, demat, day trading etc terms
Sufficiently Explained in the respective parts of lecture of pillar1C under sharemarket and its handouts.
P/BV ratio?
Price-To-Book Value (P/BV) Ratio, Price to earning ratio (P/E) ratio etc sharemarket things Not important for the scope of exam
Negative bond yield

Negative bond yield is actually not important for the scope of exam. Unnecessarily Hindu and private quiz masters are engaging into i.t
nonetheless, If you are interested to learn it go through the course that I had conducted before Prelims 2020 at slide30 onwards
https://unacademy.com/class/economy-pillar1a2-monetary-policy4-optwist-psl-qualitative-tools/FANJ182 J in the latest batch (after Prelims-
2020), I have not bothered to teach negative bond yield because after looking at the trend of prelims 2020 economics question I find it not
fruitful, to engage into that topic from Exam point of view.
IPO/FPO
- Companies usually start as originally as private limited companies. e.g. Infosys 1981
- when their business grows and they want more capital they will convert into public limited companies. then they will issue shares for the
first time for the public at large → so we call it IPO. same infosys in early 90s.
- In future same public limited company may also require more capital so again they will issue more shares for the the second time, third
time etc. → then we call it FPO.
(ADR/ GDR/IDR) vs P- notes

- Explained in the P-notes topic itself. slide 64 to 71
- https://unacademy.com/class/economy-pillar1c1-sebi3-etf-reits-invits-p-notes-company-types/7PR0SB4F
- College level students aspiring to be IAS should be able to understand this much. if not understood then memorize it by rot-learning. यातन िमज मे
आया तो बहढ़या, नहह तों रटटा मारो लजन्दाबाद- just like RBI's operation twist.
Mutual fund vs ETF

- Their primary objectives are different
- Govt's ETF = disinvestment or borrowing for a Government company. Once the fund manager has filled up the box initially he is not
going to to change the composition of the securities put into it
- Mutual Fund Depending on the scheme, fund managers may buy/sell Variety of short term and long term shares and bonds of
Government companies and private sector companies. a fund manager may also change the composition of the portfolio for example if
Infosys shares are not performing well → he may sell them and fill up the box with Wipro shares for better dividend.
who is liable to pay STT , seller or buyer ?
= Chartered accountant like information for a very minor tax. so not important for scope of exam.
Companies Act authorised capital vs paid up capital?

Authorised capital paid up capital was explained in the initial part of Bank classification lecture.
ref slide 119 of this lecture onwards
https://unacademy.com/class/economy-pillar1a2-monetary-policy5-bi-monthly-policy-updates-1b1-rbi-functions/HRX2AUK1
The companies Act, had certain rules about how much capital is required for registration of public and Private Limited companies? although at
later stage around 2015 the law was amended to make it more easier/simplified to Register new companies.
What are the exact paid up capital requirements at present? Ans= not necessary to Remember for IAS exam.
D01D] Economy Specific Doubts → Pillar#1D: Insurance pension, financial inclusion
Difference between pension and provident fund and insurance

explained between slide 8 to 10 of this lecture
https://unacademy.com/class/economy-pillar1d2-pension-schemes-pmsymnosappfrda-etc-1d3-financial-inclsn-pmjdy-chit-fund/AA56IEEB
Third party motor vehicle insurance why it is not called second party?
This type of pedantism is not required for the exam. how Third party Insurance works = I have explained in the slide itself. upsc is not asking
MTV roadies joke questions like "Why is it not called second party Insurance?"
What is financial repression of households?
Government forces SBI /LIC etc to invest in loss making businesses and eventually
- SBI Will not pay good deposit interest rates will make its loan expensive
- LIC will make the insurance policy expensive etc.
- Is known as financial repression of the household
for more, see slide 89 of this lecture
https://unacademy.com/class/economy-pillar1c2corporate-gov-economy-pillar1d1-life-insurance-health-insurance-pmjay/TJQPD1JU
Who regulate the IPO underwriter?
What IPO-underwriter is doing is one type of insurance service "If Kingfisher IPO is not fully subscribed then I will buy the remaining shares to
help Kingfisher" but it is not the traditional insurance policy but a Complex financial market exercise. Therefore underwriters are regulated by
SEBI and not by IRDAI.
NPS Basic Pay?

govt officer's Salary consists of many components like basic pay uspe dearness allowance against inflation, house rent allowance, hardship
allowance etc. But those practical things are not important for the scope of exam
when you get get selected in government job they will explain it during training
"pradhan manthri shran yogi yojana"(pension) wife died only 1500 gets and If husband died he gets 3000, is it
gender discrimination????
It seems that you are directly reading the handout without watching the video. or not seen the PowerPoint carefully. because had you watched
the lecture video then this question will not come, Because I have given the clear answer to it.
slide number 72 caption text bubble number 3 https://unacademy.com/class/economy-pillar1d2-pension-schemes-pmsymnosappfrda-etc-1d3-
financial-inclsn-pmjdy-chit-fund/AA56IEEB
Also refer to my text caption on slide number 65 of the same lecture.
Difference between MSME and a small firm ?
The definition of micro small medium enterprise is given in the hand out the term small firm is a generic term used to denote the company that
is not a large firm on unlike Mukesh Ambani Reliance
What is public procurement quota?
When government department is purchasing something from the companies government will by certain percentage of the things from micro
small medium enterprises that is called the procurement quota. For more, refer to the pillar 4b lecture on MSME
Finance commission vs Planning Commission grants
Finance commission provided the grants as per the requirement of the develop in Panchayati Raj Institutions disaster management capacity
etc. Planning Commission provided the grants to support the five year plans of the state government, etc. You can read about the associated
constitutional articles in their Lakshmikant book however now that the planning commission is a defunct body so we need not spend so much
mental energy about their grant giving powers at present
Is China a closed economy?

A completely closed economy does not have any import export for foreign investment relationships with any other country in the world China
cannot be called a closed economy because it has this type of relationship with the rest of the world
D02] Economy Specific Doubts → Pillar#2: Budget taxation subsidies disinvestment

How is it possible that parliament "CANNOT increase" taxes?
- In polity
- Union Government means Union executive
- Parliament means Union legislature
- If Union executive proposes that we want to take 5% tax this year.
- Then Parliament cannot say " nahi nahi take 10% tax so it'll help in corona schemes".
- Parliament cannot increase the tax beyond what government has proposed. because the constitution is written like that.
- For more go thru handout page 193
google tax: adsense vs adwords

I use the word adsense, so more people can understand it more easily. Adword vs Adsense MBA-gyan not Important for the scope of exam
therefore I have not bothered to clarify it
MAT in GIFT city?
- inside GIFT city
- till 10 years = 0% corporation tax
- on 11th year = suppose company says 0 profit, so we'll not pay any corporation tax. then MAT will be applicable @9% on its book profit.
What is Book profit?
- Book profit = It is a special type of formula to compute MAT on companies which are making fake claims of zero profit to avoid
corporation tax on their profits.
- What exactly is the formula not important for the scope of exam. since we are not here for chartered accountant exam. just basic word
association: MAT on book profit.
- And, I personally believe even this much word association (MAT on book profit) is not important for the scope of real UPSC. But, I am
forced to teach it because unnecessarily private mock test wala are creating questions like this, and then student come complaining to
me you had not taught this in your 'class'. If all this nonsense (of pvt mocktest walla making bogus /irrelevant MCQs ) was not present in
the coaching business, and if students kept faith in what was being taught without 'overthinking/PHD outside the photoframe', then my
handout would finish in 400 pages instead of 600 pages.
How or why is Article 265 relevent to Finance bill?
- "265. Taxes not to be imposed save by authority of law No tax shall be levied or collected except by authority of law". This forms the
basis of why finance bill is necessary. There are other constitutional articles dealing with the finance bill and that's why I have advised
the students to read the laxmikanth for more polity angles. Since the core focus of our course is economy.
Public account vs consolidated fund of India?
- Public account and consolidated fund of India is sufficiently explained in the handout as well as lecture under Pillar#2.
- if more doubts, then it's ultimately a polity/constitution topic, So go through Laxmikant chapter 22.
Money bill finance bill 500 types of doubts about the constitution?
We have only understood the basic concepts Finance bill and money bill for the scope of budget/Economy for the enquiries about the money
bill and Finance bill please direct to the polity teacher.
What if Rajya Sabha amend the money bill?

This MCQ was asked in prelim 2013 and same is also given in my pillar#2: hand out as well as my weekly quiz. As per the official UPSC
answer key, the answer is "A", Because ultimately that is the less bad or less wrong option compared to other options. You are advised to read
the laxmikanth chapter 22 on Parliament for more about the process of passing the bills
How can u say all tax amount goes to CFI? cess is also a type of tax but it goes to public account.
- This is an example of candidate engaging in pedantry / hairsplittery.
- UPSC examiner does not set up questions with that mindset. all taxes go to CFI = correct in general terms. LLB/lawyers mindset is not
asked from you.
IS "X" fund under Public Account or not?

List of notable public account funds are given in the handout pillar#2. We need not proactively search for whether XYZ scheme's fund is a
public account or not unless, PIB/press statement proactively mentioned it.
Government scheme salient features and eligibility
● My approach to govt scheme notes making is very simple: if the government has beaten A dhindhoraa (big drum) About certain fact in
its press statement then I included it in the handout.
● If they have not clearly mentioned in the original press statement (like whether NRI is eligible for X scheme or not?) then I do not
actively go out to search for the information myself.
● Because that type of researcher/Forensic investigator type preparation approach gives very poor cost-benefit in the UPSC exam.
● UPSC examiner will usually lift the question statement abt govt scheme, from the press statement and modify its factoids to frame the
MCQ. Beyond that additional preparation abt Eligibility conditions is not warranted.
Do I have to prepare state government schemes for UPSC mains?

Q. GSM2 syllabus says "welfare schemes for vulnerable section of the population by centre and state" so do we've to prepare State
government schemes for UPSC Mains?
Ans.
- In 2013 UPSC changed the mains syllabus in Haste without proper thought. So if you observe the previous topicwise papers and its
analysis at my site https://Mrunal.org/mains = you will find that in many subtopics they have exhausted the content and stoped even
asking the questions (e.g. Post independent India) or They are asking the same question again and again from a given topic (Himalayan
ecosystem in danger).
- Anyways following that particular analysis → you'll see There is no precedence of UPSC asking state government schemes, either in
the prelims or in the mains of previous years.

- So as such there is no need to prepare for it specifically. other than a generic perspective how ill-planned Populist scheme by State
Government= may causes fiscal deficit problems for them.
Various populist measures in the interim budget
Morally govt should not be doing populist announcements in interim budget.
But there is a not any law to prevent them from doing such things. for example In the interim budget 2019 another populist scheme "PM KISAN"
was announced which provides 6000 rupees to the farmers.
Why is there a separate state government budget ?

Under the seventh schedule taxation powers of Union and states are different.
that's why two different budget.
Why not much direct tax and indirect tax ?

Direct and indirect taxes have their own utilities and mechanism. What are the benefits if they are merged together? ans.
1) It will be difficult to to impose higher taxes on sin goods like alcohol in that case.
2) Adam Smith Canon of economy will be violated if we try to direct tax poor people.
3) besides, it is an BA/MA Economics academic topic not important for the scope of exam
Income tax is Degressive or progressive?
While it may appear that indian income tax is degressive (5-20-30-30-30) but as far as the MCQs are concerned -
for income tax: As long as progressive is written you should tick progressive.
Because most of the books have presented it in that manner
are All direct tax subject to surcharge?
It depends on a particular tax. Income tax on middle = only tax+cess. income tax on rich people = tax + cess + surcharge. Corporation tax = tax
+ cess + surcharge
What is tax rebate?
Explained in the income tax lecture sufficiently
https://unacademy.com/class/economy-pillar2a2-direct-taxes-corporation-tax-income-tax-etc/P91RTGRU
Difference between TDS and TCS

TDS is submitted by buyer, the TCS is submitted by seller. In the direct tax lecture
Read the PowerPoint slide text/caption carefully, And you will see the pattern
Can we call TDS and TCS indirect taxes?

No they are administrative mechanisms to discourage black money, they are not separate taxes. For example TDS that is cut from salary ultimately goes into
the income tax computation so it is not an indirect tax
Difference between Tobin tax and TCS on the forex dealers?
Their primary objectives are different
- Tobin tax is meant for discouraging the volatility in the currency exchange rate by speculative investors who keep moving money from
One country to another.
- Whereas TCS is merely for checking the tax evasion by Indian public Who are moving money out of India
Cess vs cascading effect
cess is taken explicitly And consciously demanded by the government for a purpose and explicitly goes under public account. Assuming that it
is going to be used for some health or education benefit so we can say it is beneficial whereas
Cascading effect it happens because of the problem in the tax structure itself. So it is undesirable Because it encourages people to do sales
without bills and black money
GST bill dekhe ke XYZ doubt "WHY is it like this in real life"?
Ans. Up to how much depth should I teach GST? I have created my photo frame border around following areas from upsc exam point of view:
1. CBIC's official brochure for general public
2. India Yearbook 2020

3. Newspaper's very hot type of headlines around GST since GST came into effect
4. Economic Survey since GST came into effect
5. Previous years prelims and mains questions from the topic.
Now beyond that, students questions like "I noticed xyz thing in a bill, But it is different than what you had taught in the lectureo, so why it is like
that in real life?"
Ans.
- While you can satisfy your further intellectual curiosity by doing the Google Search on the matter, but I would not consider it to be the best use of your
time as far as UPSC prep is concerned.
- because it's Outside my photo frame for what is important for the scope of UPSC exam for GST topic. We're not here for the chartered accountant
exam or MA Economics Exams.
- If a professor is teaching 2 years M.A. economics course, he can engage in all that time pass. I am walking with the target of finishing the economy
syllabus for UPSC Prelims and mains within 4 to 5 months so I consider every minute precious.
What if a buyer lies about his billing address? who will get SGST?
The seller will ask the billing address while preparing the bill. if you Do not tell it then probably he will write his own cities name in it. so
Accordingly the SGST amount will get distributed.
"what if a person lies about his address"? = aNS. Then whatever fake address he has given (e.g. Kerala) that destination state will get their
SGST amount.
beyond this, This line of thought and questioning falls under the category of 'moral outrage / How can we do x type of scam/legal loophole? type of
questions. my Ans= I don't see a pattern of UPSC asking that question. #थोड़ा-पढ़ो-आगे-बढ़ो
purchase tax on animal replaced by SGST or not?

Q. Page-225: Purchase tax on animal, replaced by SGST? Handout says- yes, replaced PPT says- No
Ans. Read the words carefully in the PowerPoint slide. green = replaced/removed by SGST.
Why is road tax not removed in GST ?
It is not yet removed. it is levied separately from GST.Because state government want to earn more money from the sales
Why it is not removed yet? this question falls under the category of moral outrage so in all such questions my standard reply is you can send
your suggestion to the Finance ministry and until it is implemented please prepare the things as they are given in the handout and move to the
next topic
Bread pe GST applicable or not?

Q. Page 227: Bread- Nil GST then on Page 228: Bread is listed in GST. So, what is the right answer?
Ans. Again read the words carefully. it is clearly written on page 277 that no GST on Bread (**except when served in Restaurant/ pizza) So that
means if bread served in the restaurant or Pizza it will attract some amount of GST
School bus services pe GST applicable or not?
Maybe/ may not be. It is not given in the routine preparation sources and we are not here for the chartered accountant exam
So It gives poor cost-benefit for doing Google search for all such type of curiosities Move to the next topic
If GST was started in 2017 then why was the GST Company formed in 2013?
They had to create some beta stage portals and software so the company would have been formed earlier
Petrol prices across Different cities of India?
Q. Why is Pune petrol expensive than Mumbai Even though both are located in the same state?
Ans. My guess will be because of the added cost of transportation of fuel tanker, or different levels of dealer commissions or local body may
have imposed some tax. I have not bothered to check it on the Internet because poor cost benefit in chasing the operational or real life aspects
of Petroleum pricing for the UPSC point of view. For our exam purpose four basic points were necessary which we have learnt more than
sufficiently
1. Government is not giving subsidy on petrol and diesel
2. Their prices are decided by the Oil marketing companies using dynamic pricing method which looks at the international prices
3. Union government takes excise duty and state government takes state value added tax.
4. Petrol diesel are outside GST system, at present.
If GST composition wala trader (1-6%) is buying raw material from a wholesaler who is registered under regular
scheme of GST (5-28% walli), then how much GST will he pay?
That much Chartered accountant level knowledge beyond the scope of our exam
newpaper advertisement pe GST

thehindu sells ad slots to roman saini → roman pays price Rs1 lakh + 18% GST to thehindu And the Hindu will deposite GST to government.
Because the advertisements in newspaper are subjected to GST
wehn The Hindu sells its newspaper to reader → Reader required to pay only price e.g. 5Rs. + 0 GST. Because selling of the newspaper is not
subjected to GST
GST compensation is given to States in how many installment per year?

loss Amount is computed on annual basis
whether it is released on monthly installments or quarterly installments = an operational aspect not important for exam .
IGST distribution
IGST is not a separate "third tax". IGST is made up of CGST + SGST → it will be divided by GST between the Union and States → from there
cgst will go to union government then finance commission will divide the cgst between Union and State.
so for the purpose of MCQs Union governments direct and indirect taxes will be divided by the finance commission is a correct statement
GST compensation loan

Suppose Uttar Pradesh Government requires 100 Rs. as GST loss Compensation for 2020 and taken the loan (of Rs.100) until Union
Government pays loss.
then Union government will continue to levy GST Compensation cess from public beyond on 2022 and pay UP Government 100+100 = 200.
(Because UP have to repay the 100 Rupees as loans and then UP also need the compensation of 100 rupees for the loss of 2020).
How does the interest amount factor into this? That much operational aspects we need not load our brain with, because some of the Details of
the dealer still vague and not fully disclosed to the general public.
PM-CARES What is trust / trustee?

These are not for profit organisation that looked after some type of social service. Their registration and functioning is defined under Indian trust
act. but it is not important for the scope of exam so we will not waste time learning about how exactly they work
Difference between department autonomous body statutory body ?
https://unacademy.com/lesson/mrunals-yearbook-ministries-and-departments-forms-of-government-organisations-in-hindi/7KCEZHT4
How can Income Tax Department know if something was sold at profit and capital gains tax is due?
Bank account linked with PAN card Number So Income Tax Department will eventually know by tracking the transactions
Income Tax Department also offers rewards to the informants so many of the jealous relatives and neighbours and business Rivals will also
give tips to the Income Tax Department that so and so property was sold at it profit and the Income Tax Department should investigate.
Round tripping vs circular tripping
Circular trading is used for creating bogus bills to claim the GST input tax credit
Round tripping means sending your own money to Mauritius and then Re investing back in India to avoid the capital gains tax
Revenue account vs capital account in budget

Difference between those two accounts is explain in the Monday lecture the reason for classifying them into two parts is because the revenue
expenditure is are considered to be not very productive in the long run where is capital expenditure as such as creation of new buildings
factories roads infrastructure is considered to be more beneficial for the economy so if these accounts are presented separately it helps the
analysts, it helps in better policy making, and further the constitution also requires that the revenue expenditure is need to be shown separately
from the capital expenditures.
Dept undertaking, PSU, PSE
- PSE = govt company.
- PSU = collective term for all government companies at union, state, local bodies level.
- If this is not going in your head, then there is no need to worry. because UPSC is not going to ask this much dictionary interpretation.
PSE vs PSB?
- Public sector Enterprise (PSE) =government company.
- Public sector bank (PSB)= Government owned company which has got licence from RBI to work as a bank.
- So, Technically PSB is a subset of PSE.
- But, When the newspaper columnist / NITI reports use the word "PSE" = they are talking about the government companies (like
ONGC), EXCEPT public sector banks (PSB).
Disinvestment through share buyback
Suppose in ONGC, Mukesh Ambani is 10% and Govt (=petroleum ministry) has 90%
during sharebuyback, ONGC will only buy (some of) govt's 90% → And that much shares will be destroyed from the company's share liability.
so, automatically Mukesh Ambani's proportionate shareholding will increase and govt's shareholding will decrease = disinvestment.
IPO vs. Offer for Sale (OfS)
Whereas, is initial public offer means for the first time the shares are being sold to the public. Suppose, at that time government owned 90% of
the shares and sold 10% of the shares to the public. At, a subsequent stage suppose government is selling shares from its owner 90% to the
public it could be termed at as offer for sale. If, government issued extra quantity of shares then we could have called it follow on public offer.
Anyways, we need not spend too much mental energy in learning the differences among this comes as we are not here for the preparation of
BCom for chartered accountant exam only one liner information need to be memorized
Vehicle depreciation
Following is not fully technically accurate explanation, i'll just give a rough simple idea.
before after
gross revenue of a company 1 cr 1 cr

which is mfg'ing LCD TV
and sends them to retail
stores using a truck
vehicle depreciation on 30%= 3 lakhs 40%= 4 lakhs

company's truck worth 10
lakh rupees.
net profit = gross revenue 97 lakhs 96 lakhs

minus vehicle depreciation
- thus, when government increases the vehicle depreciation percentage → company will be able to save more corporation tax, Because
above formula.
- Therefore increased depreciation percentage is encourage the company to buy more trucks → more demand of trucks → automobile
industry revived.
Why shouldn't RBI print notes in air without any assets, to repay the foreign borrowers?
- suppose Tom Cruise (american hero) loaned $1 crore to Indian govt. → RBI prints money in air and repays him Rs.70 crore rupees (At
the exchange rate of $1=70). then what will happen?
- Tom Cruise cannot use the Indian Rupee currency in the United States of America because it is not a legal tender in America. So he will
basically buy some sugar, onions, textile etc from Indian market . So Shortage in the supply of those commodities for Indian public→
more inflation.
What is indirect monetization?
● this much pendatism not important for the scope of exam.
● some Newspaper columnists write random columns to show their their intellectualism of MA(Economics)
● And then all the e-learning websites and online teachers also start explaining it without even bothering to check if there is a precedence
of UPSC asking such technical questions in the past exams?
● For the UPSC exam: monetizing the deficit= the photoframe starts at NCERT textbook and end at economic survey for general studies.
● Anything deeper than that may be useful for the public administration optional subject → subtopic financial administration but it is not
important for the scope of general studies.
● If the next economic survey bothers talking about this concept we will see it.
D02]Fiscal deficit vs Debt to GDP
Fiscal deficit is counted for a given financial year borrowing amount example, 8 lac crore to that of GDP, whereas debt to GDP means all the unpaid debts
accumulated over the years as a portion of this year's GDP example, 40 lac crore rupees.to that of GDP
D02]How can budget deficit be '0'?

Budget deficit is always zero because government is borrowing that much money from the market to get the answer zero therefore we have a separate
concept known as fiscal deficit. Please watch the video lecture again for more.
D03A] Economy Specific Doubts → Pillar#3A: Balance of payment & international trade
750 million ECB vs. Walmart's 16 billion FDI.
750 million particular limit is related to external commercial borrowing which is a part of debt. FDI is related to Equity/Shareholding is a separate
thing. Please understand the difference between debt and equity in pillar 1C lecture/handout.
FDI limits in real estate versus construction of townships.
Real estate means selling and re-selling of the Constructed building. Construction means construction of the building. Two activities are
different.
What is the difference between IFSC AND SEZ?
Special Economic Zone could deal with production of goods and services where as International Financial Service Centre is A special type of
special economic zone which is focused mainly on the production of Banking and Finance related services
diff. between creditor,debtor,credit and debit?

● creditor= jo paisa de raha hai
● debtor=jo paisa karz le raha hai
● debited=money cut from your account
● credited=money added to your account
Why is Dollar seen as Global currency?

Because the earlier it was used as the Reserve currency during the bretton woods Gold Standard System and later on IMF system requires
that balance of payment account should Express all the figures in dollar terms
I have some great personal suggestions and opinions about the foreign direct investment gold monetisation
scheme curbing the gold important and other things
Are This type of personal observations/suggestion important for the scope of exam? I don't think so- After, looking at the previous year
question papers, so, prepare the simple things as they are given in the hand out and move to the next topic. I could engage in the intellectual
debate here but I don't see the utility of that because it is not important for the scope of exam
Black money invested in gold and gold monetization scheme
I could answer this question- How person deposits gold in the gold monetisation scheme then bank account is linked to his is Aadhar Card and
PAN card number and eventually the income tax department will find the things out. but all this thought process is not important for the scope of
exam. simply remember one liner information about this government schemes and move to the next topic then you will save a lot of your time
which is presently seems to be wasted in unnecessary non exam oriented things
Migrant vs Diaspora
Diaspora means person or his forefathers has permanently migrated to a foreign country.
Whereas, a migrant has only temporary gone to a particular place for work and he is likely to come back to home eventually migrate maybe
Uttar Pradesh to Mumbai also. a person migrated from Uttar Pradesh to Mumbai we will not call him diaspora.
Remittance and protectionism
Remittance means workers who have migrated to foreign countries and sending money back to their parent country India is the largest
recipient of such amount
Protectionism means Nations imposing extra taxes on imported products to protect their local industry
These terms are sufficiently explained in the lecture so if someone is asking this question it means he is not watching the lecture and then
directly reading the hand out and then ask me question but I cannot give such personal tutions please go through the video properly.
What is DE-dollarization and what are its benefits?
● It involves non-US nations reducing the Usage of dollars in international trade / international borrowing.
● Benefits 1) reduces USA's symbolic economic domination in world trade 2) for individual nations the benefits are similar to the benefits
that China will enjoy since its yuan is accepted in the SDR basket of currencies formula. (Ref pillar3A)
Why don't we simply accept the dollar as our universal world currency?
- Depending on the local condition of supply and demand countries will suffer different level of inflation or deflation so accordingly they
would want to change the supply of money to control the interest rates as we learnt under the monetary policy
- But we accept dollar or any other currency as world currency then then we will lose the sovereign independence of printing more
currency as per our requirements. Small countries like Ecuador agree for it but large country like India cannot lose its independence like
that in the economic and financial front
- We may have to agree with the currency limits imposed by US government. No powerful country would agree for that.
- There are 15 other points mentioned on why "Having dollar as the Global currency is not suitable for India". but such 'Hypothetical
philosophical question is not important for the scope of exam unless and until
- A) some very big world bank /IMF report or Economic survey or Niti Aayog suggests it AND/OR
- B) very big economist like Dr Raghuram Rajan start mentioning it and/OR
- C) it continuously comes in the newspaper for columns 5-6 months.
- जब ति ऐिा होता नहीिं, ऐिे हर एि िा्पतनि प्रश्न पर अपना हदमाग और िमय खचफ िरने िा िोई र्ायदा नहीिं
Why don't all the countries stop trading with China to teach China a lesson?
- 1) Because poor persons cannot afford expensive items. So they prefer cheap Chinese items and there are merchants who want to make profit Profit
by selling such items, So even if every chinese item is banned, some people will smuggle it illegally from the border and sell it.
- 2) China provides cheap labour and manufacturing facilities. So, even American companies prefer to get it manufactured there. iPhones, Nike Shoes
etc are manufactured in China and not in USA.
if Bhutan accepts Rupee currency just like Equador accepting Dollars. How will it benefit or harm the Indian
economy ?
- but such 'Hypothetical question is not important for the scope of exam unless and until
- A) some very big world bank /IMF report or Economic survey or Niti Aayog suggests it AND/OR
- B) very big economist like Dr Raghuram Rajan start mentioning it and/OR
- C) it continuously comes in the newspaper for columns 5-6 months.
- जब ति ऐिा होता नहीिं, ऐिे हर एि िा्पतनि प्रश्न पर अपना हदमाग और िमय खचफ िरने िा िोई र्ायदा नहीिं
"GST tax depends on the quantum of currency exchanged." what does it mean?
ref: slide 51 of https://unacademy.com/class/economy-pillar3a4-bop3-conti-currency-exchange-cac-sdr-imf/FX661YA0
if ECB limit is 750 million$ then how can Facebook invest 50+ billion$ in Reliance?
- ECB means loan / debt. Loan = 750 mill limit is there.
- FDI means equity / shares. = there is % limits in shareholding. but not '$$ convertibility limits on it.
- for more on debt versus equity refer to Pillar1C.
How does weakening of rupee help the exporter?
Apart from what I explained in the letter itself :
- foreign importer Mr.A may start feeling that Indian tea is presently very cheap so let me place order worth $2 before rupee (instead of usual $1),
before rupee becomes strong.
- Foreign importor Mr B, who may be previously importing the Tea from Kenya, may also get attracted to buy it from India after weakening of rupee, If
he feels that quantitatively he is able to buy more tea from India than Kenya.
- then the Indian exporter may benefit from a larger order from two foreigners A and B.
- and thus, weakening of the Rupee help the exporter
will raising ECB limits not weaken rupee in future when we've to repay in dollars?
Yes that could happen. But ultimately RBI has to choose between the devil and the deep sea.
while raising ECB limits, RBI hopes because of the external commercial borrowing → Indian companies will be able to get fresh capital and
they will be able to revive their business → and produce more goods → some of those goods could be exported → then it could help bringing
more foreign currency in India, and help in CAD/BoP problems.
Reverse of sterilization if $$ supply increased due to RBI action?

● Suppose there is a situation where RBI has to sell dollars to make the NET BoP =0.
● then theoratically dollar supply ⏫, rs. supply ⏬.
● but, RBI does not have to "suck" extra dollars in that case, because whoever is in possession of those dollars will go to America to buy
the things, since Dollar is not legal tender in India.
● And if the person is then taking the supply of goods back to India it is unlikely to cause inflation due to 'excess supply', because we have
high level of customs duty on imported products.
● Therefore the concept / need of some reverse type of sterilization does not arise.
FDI in E-Commerce (Inventory Based)
Government may be worried that it could result into some type of money laundering scam or it may result into some type of monopoly creation
which will harm the small shopkeepers. why exactly they have not allow it they have not explicitly mentioned it by beating the trumpet like the
do for the formulas and therefore we need not proactively Google search for this type of queries and answers.UPSC does not ask questions
from things that are not explicitly mentioned in well known some book newspaper for government report
RBI BoP Crisis.
Depending on the situation in balance of payment either RBI will use the rupees to purchase dollars, or it will use dollars to purchase rupees,
however if there is no one willing to sell dollars to Reserve Bank of India then Reserve Bank of India will have to go to IMF , to borrow the extra
SDR up to some quantitative limits but then even if that is also insufficient eventually it will have to pledge the gold to borrow dollars from IMF.
How all of that works in real life is not important for the scope of exam simply you have to remember chain links upto A to B
UPSC MCQs on balance of payment crisis and RBI actions?

In the interpretation based question sometimes there will be difference of opinion but ultimately we have to go by his interpretation the examiner
is not applying so much mind as much as you have applied here
NEER vs REER value interpretation what if Above 100 and below 100?
Ans. Once upon a time I used to even teach
1. What is the difference between call option and put option in Pillar1C
2. What are the interpretation of increase and decrease in REER and NEER? in Pillar3.
But I have stopped teaching it because there is no such trend of UPSC asking that much depth of question in any of the UPSC exam- be it
CSE/IES/CDS. In such case I got it just to be safe but then it unnecessarily adds another 20 minutes of learning with a very poor cost-benefit.
Yes there are some private quizmasters who keep framing such MCQs because it is given class12 NCERT and mentioned in economic survey.
But class12 NCERT has also given lot of mathematical and graphical things YET UPSC as never asked it. Everything that is given in class 12
NCERT economics and economic survey is not automatically important for the scope of UPSC exam. one should go through the previous years
papers and design the photo frame of syllabus accordingly.
SACU / Mercosur PTA

both in lecture as well as handout page 367 it was mentioned:
Homework: Refer Economic Survey 2019-20 Vol2 ch.3: Annexure-II= refer to that table.
PHD doubts in Theory of relative cost advantage

● Low profile microeconomics concepts. One word Association you have to remember. "That nation should export the commodity where
they have relative cost advantage." further analysis is not required.
● if not understood and then you may even skip it. It's not some great topic like repo rate or CRR or SLR that has very high probability of
getting asked.
Xyz thing done by India/foreign nation is not violation of WTO norms?

Because of the judges vacancies in WTO Appellate body, so member nations are not afraid of anyone complaining to WTO, Because the cases
will drag for years.
D03B] Economy Specific Doubts → Pillar#3B: International organisations, WTO

Difference between most favoured Nation versus preferential trade agreement
Both are separate things preferential trade agreement only covers a small list of goods whereas most favoured Nation concept applies to all type of goods
and services which are being traded
In the hand out why have you written that ASEAN was formed in 1967?
ASEAN was preceded by an organisation formed on 31 July 1961 called the Association of Southeast Asia (ASA), a group consisting of
Thailand, the Philippines, and the Federation of Malaya. ASEAN itself was created on 8 August 1967
Do I need to prepare the International Organisation more than what is given in the handout?
Regarding your second question about various groupings the objective of this handout is only to make it prelim revision friendly however for the
scope of mains exam you also need to study those organizations in Greater detail from the International Relation perspective
D04A] Economy → Doubts → Specific → Pillar#4A → Agro

In E-NAM, who will pay for the Transportation cost?
As per the operational guidelines of the government, buyer will have to pay it.
How much land Reform do I have to prepare?

I have solved the model answers on agriculture → land reform Qs in https://unacademy.com/class/economy-pillar4b2-startup-india-ipr-ease-of-
doing-biz-labour-reforms/2UOQDQG that should give you an idea on how much depth is required.
GSM3 - Agriculture: How much is covered in your lecture and how much we have to prepare on our own?
● Irrigation types, and cropping patterns= you've to do from geography.
● For the remaining GSM3 AGRO topics (Food processing issues in subsidies/MSP, Agriculture extension etc) = they're covered in the
handout itself and/for their self-study preparation sources are also mentioned in the handout.
● UPSC syllabus also contains one topic named "Economics of animal rearing"....But hardly anything is asked from except few basic
themes from kurukshetra. But some coaching wala are giving very technical MSc agriculture / MBA-Agriculture type of college notes
which is not required for the scope of exam.
D04B] Economy → Doubts → Specific → Pillar#4B → Mfg, MSME, Startup, IPR
If the patents are given only for 20 years then how come MCdonald/KFC continue to produce it for decades?
- mcdonald burger's special taste or formula for its spices= It is not patent. it is "trade secret". The legal rights related to trade secrets are
different than patent. how? ans. LLB not important.
What is the difference between a scheme and a policy?
Policy provides the guiding principle of a government for the development of a particular sector and then based on that Policy Government will come with a
variety of schemes.
for example, National manufacturing policy says that we will encourage the the innovation in manufacturing so accordingly the government could make some
schemes to provide tax and subsidy relief to to research and development related to manufacturing. Beyond that the difference between scheme and policy
you could prepare from the governance and polity related courses and books
What is the difference between a special economic zone (SEZ), NIMZ?
Special economic zones are targeting for the export market whereas NIMZ, encourages the production both for the domestic consumers as
well as for the Exports
D04C] Economy Specific Doubts → Pillar#4C: GDP
GDP calculation: Why is import added and subtracted ?

When the customer is asked by NSO. how much private consumption have you done he may not be fully aware whether the item that he purchased was a
India made item or foreign made item therefore later on we subtract the import data based on some other government data available from director general of
foreign trade that's why in the beginning we add it in the private consumption and later on we subtract it those imports
Difference between GDP and GVA?
Difference between GDP and GVA is explained in the GDP calculation method lecture please what the video again
Basically, GVA + indirect taxes- subsidies = GDP
Why are we focusing on GDP at nominal exchange rate but not at purchasing power parity?
When World Bank and IMF and other international organisation and media houses compare the countries growth the primary focus on the
nominal exchange rate and not on the purchasing power parity so even if Modi government strives for improving the matters to purchasing
power parity they will not be able to Grab the headlines for election campaigning therefore the focus is on the nominal exchange rate and not
on purchasing power parity because it is difficult to convince people easily about that thing
Why is a fall in GDP considered to be a bad thing?
When GDP Falls it shows that the production of goods and services has declined so it automatically means that company will be shedding the
workforce and the problem of unemployment will increase similarly when the GDP Falls it shows that production of goods and services has
declined which also means that governments tax collection will also decline so government expenditure on health education infrastructure will
decline that will also create new set of problems for the citizens.If you have studied the pillar 1 to 4 then you should be able to infer this much
on your own why is there a need for spoon feeding so much .
Double counting in the GDP expenditure method
If the raw material remains unutilised then it will remain on the investment side. if the final product is created then. We will only add the final
price of the final good in the C part But not the raw materials price in it. So there is no double counting
If government focuses on circular economy will it not result in fall in the GDP because we will stop creating new
electric good all the time and use refurbished second hand phones?
Yes that is correct however it will also benefit the environment and it will also help in job creation in the recycling industry so overall it is not
harmful to the economy at large even though there may be some fall in the the GDP growth if we are using second hand mobiles instead of
manufacturing new mobile phones all the time
Post coronavirus GDP recovery related 500 types ke doubts
Next year, Government's economic survey will come in January 31st, 2021.
there the chief economic advisor will write what was the scene in corona (With regard to inflation, unemployment Commerce share market, import export
rupee dollar currency exchange rate, GDP etc) what can be done for the recovery afterwards.
whatever questions that come in UPSC mains exam are based on the themes that are highlighted by Economic Survey and therefore separately we need not
spend so much time and energy in this thing, Irrespective of how many columns are reported in the newspaper.
I will be covering that economic survey in a separate series known as Win21CSP series.
Impact of inflation on Bond holders?
Situation of Bondholder is similar to a person who has saved a money in a bank account so after certain years if he is getting money back with some principal
and interest but if the inflation has increased too much then his purchasing power will decline even though he has Got more quantity of money because of the
investment
Why add Imported goods in the "C" and then subtract it in "M"
● Because in the Indian GDP we only want to count the goods that are produced in India. But when NSO may do the survey of the
consumers = consumer may not aware which of their goods are India made and which are china made goods.
● Sometimes imported goods are used in mfg of goods/services but their nature may be such that it may not fall under "I".
● So simply you ask them how much money you spend and add it entirely.
● Then from the commerce ministry get the data about import and export and subtract the imports. so, then you get only the Indian GDP
data
Inflation rising in 2020, then why is RBI not increasing repo?
● Post-Corona: RBI wants to revive the economy growth by providing cheap loans → boosting sales, demand, production..
● RBI failure is counted if Inflation remains uncontrolled for continuously 9 months. (ref 1A2: Monetary policy)
● so, RBI will don't get into immediate panic mode if inflation rises for a few weeks/months temporarily.
Why is government not taking more action to fight inflation?
After the 1991 LPG reforms government does not excessively focus on controlling the prices. only for the essential commodities government
may intervene as and when required. Similarly Reserve Bank of India is also not trying to control inflation at 0% they are trying to control it
between 2-6% Because some level of inflation is also necessary for job creation as we learnt in the Philip Curve.:40
how does inflation benefit borrowers/debtors?
● In the pillar#1A1 we learned that money is basically serving two functions Measure of value and medium of exchange
● so, money is only measuring the value e.g. 1 kg onion = 50 rs or 10 rs.
● borrower got the money on January when he was able to buy 5kg.
● when he repays in december the Inflation has increased and lender is getting 'value' worth 4 kg only.
● Thus, the borrower benefited and the lender has made a loss.
● ..."This is a hypothetical but not a real loss and XYZ other logical arguments how borrower has lost" ... That much depth is not as asked
in the UPSC Prelims. Inflation theory is simply confined to the class12 level matters given in textbook and some definitions from in
economic survey (e.g. Cobweb). both we've learned. Beyond that putting too much mind in this is not going to give better cost benefit
From exam point of view.
How does inflation weaken the currency?

If the price of the local product is increased then quantitatively foreigner may be able to purchase less quantity using foreign currency. Then
they may start buying tea for Sri Lanka instead of India and ultimately less number of dollars will be coming to Indian economy so dollar will get
stronger and rupee will get weaker please listen to the lecture again ,it will become clear to you
D05] Economy Specific Doubts → Pillar#5: Infrastructure

Do I need to prepare all the attached offices and autonomous bodies
Word Association should be known that so and so organisation is associated with so and so ministry all of them are not entirely important for
the scope exam but some understanding required for the the purpose of eliminating the wrong options in the 50-50 strategy. e/g observe FSSAI
MCQ in Pill4B or PNGRB / coal india MCQ in pillar5
Why big hydro projects are not included in the 175GW target?
The reason for excluding big hydro project is because it will require constructing dams which requires displacing lot of people residing near the
dam area, then the other state governments will also create new disputes regarding the sharing of the water and sharing of the electricity. From
that particular river, which will be a political headache and therefore government is not very keen on constructing large dams
What is special purpose Vehicle company ?
Special purpose Vehicle company is created for a special objective such as providing Municipal service in a International Financial Services
Centre- Gift City or such as running an eCommerce website for the Government of India and so forth. What are its further implications in terms
of Business Management Tax applicability, merger acquisition are not important for the scope of our exam.
Applicability of MMDR Act on various minerals
The basic provisions of the mmdr act are applicable on all type of minerals such as coal, steel, iron ore, Although they may have their sector-
specific additional laws such as coal mines Nationalisation act, Coal Mines Provident Fund act and so forth we need not spend so much time
preparing all the microscopic details about them as it gives poor cost benefit for the exam
What is the difference between the "ministry of housing and urban poverty alleviation" and "ministry of housing
and urban affairs" ? Are they same ?
Its earlier name was ministry of housing and urban poverty alleviation and its latest name is ministry of housing and urban affairs.
What is viability gap funding?
Explained in the 17th January Sunday lecture
D06] Economy Specific Doubts → Pillar#6: HRD

What to study for general studies paper 1 in addition of your handout?
Preparation resource list is given on:
This lecture slide 77
https://unacademy.com/class/economy-pillar6-human-dev4-weaker-section-hdi-sdg/BRQNQAA0
HEFA is CPSE or NBFC?
It is a non banking financial company registered with RBI
if the government is majority shareholder in a non banking financial company then it is also labelled as CPSE-Central Public Sector Enterprise
Therefore it is both a CPSE and NBFC
Can JNU get funding from HEFA or not?
Whether JNU also eligible to receive some funding from it well if they have any technical courses they may receive the funds.
government has not explicitly stated these things in the press statement and it is a very poor strategy if a person is looking for search technical
guidelines in each and every scheme because he is suffering from some type of insecurity what if UPSC exam examiner asks about it? such
insecurity is going to give a poor cost-benefit in preparation of the examination
What is meant by Percentage versus absolute population of SC in the handout?

Percentage means percentage of SC out of the total population of given state.
Absolute means how many lakhs or crores people belong to SC community in given state.
e.g. Andhra Pradesh SC population in absolute figure 13878078 (as per census-2011)
Andhra Pradesh SC population in % figure = 13878078 divided by total population of all castes in Andhra 84580777= 16.41%
Discrepancy in some data sets in handout versus on newspaper columns versus some government reports
Niti Aayog prepared the data set in different year

education policy prepare the data set in different year some newspaper column may be using data sets of the different year, so there may be
some discrepancy here and there
there is no need to live under some type of great mental pressure that what I will do in the real exam? simply use the approximate answer
depending on the context
Because in real exam they set the wrong options in such manner then at least you can do 50-50
D7777] New development in a topic that is finished in lecture

- After I am done teaching a particular block of topic and a new development comes in it later on (e.g. I uploaded handout of Pillar1A1:
Money digital payment etc in 29th October and then in November Whatsapp Pay related news started coming)....
- then in such situation, we will study such new developments in the Win21CSP series next year.
- This is to ensure that the syllabus is finished in a prompt and systematic manner. Otherwise ball by ball commentary ke chakkar mein
core thing will not be finished.
- Next prelims 2020 exam is to be held on June 2021 it is not going to be held tomorrow morning. so there is no need to live under
constant imaginary fear or impatience that everything must be finished tonight itself.
D8888] Patience Please. We are not in that pillar 'yet'

Q. plz explain me XYZ thing of Economy which occured in my mind or which I saw in some newspaper?
I teach economy spread across 6 pillars:

- 1A1: money's evolution: barter to bitcoin, Digital economy
- 1A2: RBI monetary policy: CRR, SLR, Repo, PSL etc
- 1B1: classification of the Banks and NBFCs
- 1B2: burning issues in the banking sector- Bad loans, NPA, SARFAESI Act, insolvency bankruptcy IBC Code, BASEL-III norms and
recapitalisation of the banks, ILFS crisis, Yes Bank crisis, bank board bureau, RBI dividend and other issues
- 1C: financial markets, share market, ETF, SEBI, P-Notes, companies act- corporate governance etc.
- 1D: pension, insurance, financial inclusion
- 2_Budget, Taxation, GST, Black money, Finance commission, disinvestment of public sector undertakings, FRBM act, fiscal deficit
- 3A: balance of payment import export current account deficit international trade, currency exchange, capital account convertibility,
currency war, protectionism etc
- 3B: International Trade related agreements and organisations- IMF, World Trade Organisation WTO etc.
- 4A_Sectors of Economy: agriculture, food processing industry (GSM3)
- 4B_ manufacturing, services, MSME sector
- 4C_ macro economic indicators- GDP, Inflation, CPI-WPI,IIP,unemployment etc.
- 4z: Microeconomics
- 5_Infrastucture: energy, transport, rural urban infrastructure etc. (GSM3): public-private partnership and investment models
- 6_HRD: human resource development, poverty, education, welfare schemes, UNDP human development index, SDG goals etc.
Your question/doubt will be covered when we reach the appropriate pillar. presently we are in pillar#1A1. if you are in excessive hurry, then
you may watch respective pillar's recorded lecture in previous batch at:
D9999] Economy Doubts → Not Understood / Overthinking /PHD
Topic that are important for exam are explain in sufficient lucidity and simplified manner. if you are unable to understand it then and go through
the following sub-section to find out why you are unable to understand it.
1. Not listening to the lecture attentively
2. Not reading the handout carefully
3. Not making any mental effort like graduate student, and expecting that everything must be spoonfed like a kindergarten student
4. Other reasons as mentioned below
D9999] outside photo frame/Operational aspects of economy/org/law

- your question deals with Operational aspects of RBI / FinMin/xyz/legal procedures org. Which is not important for the scope of upsc
exam's general studies. e.g.
- "How comes IPPB a public limited companies when govt is single owner wheras public ltd company requires minimum 7
members?"
- "if X is given is Y also given"?
- Such questions falls outside the photoframe of how much is important for GS-Economy and/or Therefore I have not bothered touching
it.
- When I have to teach economy for general studies, I've a photoframe in my mind about 'upto how big picture should i create'? I confine
that photoframe's coverage up to what is easily available in NCERT, std text books, Economic Survey, theHindu/Indianexpress. So if I
have not given the answer in handout, it usually means it was not a easily available in the said material or that it was available in a
much more comprehensive way than what was required for UPSC
- Beyond that if we are going to search five different website for each and every topic = We can make a more comprehensive
handout and a much bigger photoframe= but then handout will become 1500 pages and It will yield very poor cost benefit for the scope of
UPSC exam. इर्ललए जो पढ़ाया है , उर्र्े ज्यादा पंिात में उतरने र्े ज्यादा फायदा नहीं है .
- If you have so much thirst for knowledge you can do the Google search yourself but I don't think it will be the best use of your time given
that there are so many other things to study for the actual exam.
D9999] Moral Outrage, "AISA KYO HAI" "isn't x policy contradictory to y policy"?
- You can satisfy your desire for further information or Anna Hazare like Social Activism by sending suggestion/RTI to Govt/RBI/File a public interest
litigation in Supreme Court etc.
- But, until your suggestions/demands are implemented, prepare the things as they are given handout, If you want to pass the exam.
- example questions: 'Why is RBI not allowed to print Rupees 1 notes?',
- "Why is "X" matter looked after "Y" ministry but not "Z" ministry?",
- "how come banks are allowed to write-off loans for tax benefit isn't it unethical?"
- You can satisfy your intellectual curiosity by Google in the answer yourself but I do not think it is the best use of your time if your target is to clear
UPSC exam. I limit how much content I have to teach depending on the official syllabus versus the trend of the previous years question papers.
हरे ि चीज िी पिंचायत िरने िो बैठे तो सिलेबि खत्म ही नहीिं हो ििता while Yoyo Honey Singh and Dhinchak Pooja type candidates who didnot waste
time in such hyperthinking clear the UPSC and upload photos on instagram with tag #enjoying-life-at-LBSNAA. #थोड़ा-पढ़ो-आगे-बढ़ो
D9999] The Hindu column sentence not understood #Geeta and Bible
Q. I read "XYZ BLAH BLAH BLAH DEEP Economic Analysis in theHindu/Business Line Financial Express/ etc newspaper's column"
so plz explain it to me.
Ans. Those columnists have to fill up 300-500 words to get salary. it doesn't mean that everything they write is Commandments from Bible and
Shlokaa from Gita that we have to memorize and analyse it word by word. UPSC is not conducting semester exam for MA (Economics).
D9999] PhD/ research paper/overthinking
- The question which you have asked falls outside the general understanding that is required for UPSC preparation. You can satisfy your
intellectual curiosity by Google in the answer yourself but I do not think it is the best use of your time if your target is to clear UPSC
exam.
- Until some person writes research paper on it AND 1) that research paper is is mentioned in the next economic survey or B) It is given a
Nobel Prize... Until then we don't have to spend our mental energy on it as far as As far as the UPSC exam is concerned.
- Further, If you are going to be stuck at everything with this much hyperthinking when are you going to finish the syllabus my dear
student?
D9999] Personal tuition/pedanticism/hairsplittery/insecurity
I am unable to answer your question for one or more of following reasons"
1. The thing you are asking= is sufficiently explained in the respective lectures if you listen to the audio carefully and or if you read the
handout word by word carefully.
2. You are engaging in the type of pedanticism/hairsplittery which is not even required for the scope of UPSC. Maybe if you are suffering
from some type of insecurity that what if this type of PhD level question is asked? do not worry it is not going to be asked, And even if it
gets asked the cut of is never 200 out of 200 marks. And there is no separate medal given for solving the toughest UPSC MCQ.
3. Your school and college teachers were so pathetic that you are unable to even grasp/comprehend even the simplest of the things. Then
as a coaching faculty, I'm sorry, I can't give you personal tuition and spoon feeding Beyond what is already given in the classroom.
D9999] Unable to follow teachers' instructions from lecture/handout
- sometimes students don't read / listen carefully and ask questions like "What is the meaning of Market-to- book ratio, or what is ESOP?"
when I've already clarified in the respective lecture or the handout that
- A) "it is not important to fully know what the given term/formula means or how it works. you only need to have a basic word
association for MCQ that there exists such a thing." AND OR
- B) "We will learn the given term in the separate pillar in the upcoming lectures"
- Still student asking me this it means following things:
- 1) Student is not listening properly to what teacher has said in the lecture/handout. Student may be treating this whole course as
casual glancing over some WhatsApp message.
- 2) Student may have mistaken this course has some type of College course. This is a competitive exam course. We are not here
for intellectual upliftment. We are here only to pass the cut off race. Student may satisfy his/her curiosity by doing the Google
search but I do not think it is the best use of time Given the poor cost-benefit of the matter For exam. Because by the time
student is done with that intellectual pursuit, Yoyo Honey Singh and Dhinchak Pooja would already have cleared the exam, and
uploading their life@LBSNAA photos on instagram, without even investing that much time / energy in it.
D9999] Unable to understand the topic which is already simplified in sufficient manner
- The PowerPoint and hand out which I am teaching you at present= it has evolved over last 10 years just like Win10 Operating system. I
taught them in multiple batches offline and online batches. IF students raised doubts, then it I simplified it further to prevent similar
doubts in future batches.
- Consequently, at present the content is enough simplified and exam oriented enough that any Graduate Level Candidate aspiring to be
IAS/IPS, should be able to understand it even IF he has average level of intelligence. And I make that claim without arrogance or
condescending attitude.
- So if student is unable to understand it, then one or more of following reasons to explain it:
a. Student is not attending the video of lecture. He is simply reading powerpoint/handout by himself. And therefore having all type
of doubts which are already explained in the lecture audio video itself.
b. Student is not listening to what I am teaching or not reading the handout properly. Student is just superficially glancing over
the content like it is a WhatsApp message or tv-serial. But the good thing is Student can re-watch the recorded video multiple
times. OR
c. Student does not have the patience for the full picture to evolve. e.g. I am teaching about the money supply and monetary policy
for India and his brain is wandering into how it will affect the currency exchange rate. we'll learn that pillar 3. presently we are in
pillar 1 so have the patience till we reach pillar3. OR
d. Student is not interested in listening to what I am teaching. He is interested in overthinking/PHD-ing/hairsplittery outside the
"photo frame". Prime example is given in Virat Kohli wedding photo in Pillar1A2 lecture slide #64-65.
https://unacademy.com/class/economy-pillar1a2-monetary-policy2-quantitative-tools-crr-slr-repo/SE011IEP Such approach is
definitely not helpful for passing the competitive exam. I cannot help such students in that case. They have to help themselves.
OR
e. Some students come from such school and colleges where their teachers failed to teach them even the most basic level of
things. So they lack the power to comprehend the most basic level of things like how event "A" will lead to "B". And then those
15 years of weakness in school-collage= a coaching faculty can't rectify in 4 months of coaching. The sad reality of life = this is a
competitive exam coaching class. IF 5000 other students have understood it without complaint, then the coaching faculty will
move to the next topic. He cannot sit and give personal tuition to every weak student who is unable to understand the most basic
thing. There is a limitation on how much spoon feeding can be done. I don't blame the student. I blame his school-college
teachers for that.
Random MCQ from previous IES EXam
Some of the IES question to take us towards MBA Finance, traditional economics and microeconomics like components which are not
important for the scope of IAS exam.
E01] Mock → Weekly Economy Test

- if you've doubt about an MCQ, please write at least one topic of the MCQ here so i can answer.
- if you say, "please explain 22nd July's Qnumber 22" Ans. → I lack the time to do clerical work like opening the quiz portal date wise and
then going through the list of quiz number wise.
- if you say "I've doubt in IRDAI nationalization walle MCQ"- Ans then i can reply.
E01C] weekly test MCQ related doubts / corrections
E01] 🔠 You said numbers/factual things are not very important then why did you ask number/factual related
MCQs in your weekly test?
- In real UPSC exam also there will be questions requiring factual knowledge of numbers/names/places/dates..
- When I advise that "numbers are not greatly important in UPSC" = that is in the general sense that "you should not be living in high
blood pressure to memorize number for 24 by 7." It does not mean you can completely skip it. iska matlab ye nhi koi number / data yaad
hi nhi krnaa hai.
E01] 🔠 Some of the questions asked in the weekly test are not given in the handout so how am I supposed to
solve it?
It is just to give a taste of real UPSC exam that some random questions will come. you should try to do 50 50 elimination technique. there is no
need to feel demotivated if you cannot tick it.
E01] 🔠 Please provide the quiz in Hindi language
● In the live class I provide some Hindi hints in simple terms for the MCQs, just so that new students can also get correct answers and
feel motivated to study more.
● If you go for the official Hindi translation of the economy questions asked in UPSC they are so cumbersomely translated it will even slow down your
speed further. वह इतना िसलस्ट प्रिार िा और िई बार गलत कििम िा भाषािंतर दे ते हैं कि वह पढ़ते-पढ़ते आदमी िा जवाब गलत हो जाए
● इिसलए जहािं ति अथफशास्र िे प्रश्नों िा िवाल है उििो हमेशा ररयल एग्जाम में भी अिंग्रज
े ी में ही पढ़ना चाहहए तो बहुत ही आिानी िे आप उििा िही उत्तर दे
पाएिंगे हहिंदी में upscवाले इतना उलजल
ु ल
ू भाषािंतर सलख दे ते हैं कि आदमी िमझे िम और ििंफ्यज
ू ज्यादा हो जाए
● So it is always advisable to tick the economy and science MCQs by reading the English version of it
●
E01] Suggest me books for additional preparation of economy MCQs
- Hand out contains all the notable questions of economy that were asked in the previous UPSC prelim exam
- Weekly quiz also contains additional questions
- So, already you're getting sufficient practice for economy MCQs. Better use your time for preparing other subjects, instead of looking for
more practice MCQs on Economy.
E01] poor score in economy weekly economy quiz, what to do, feeling demotivated?
● It also take some time to get used to the way MCQs are formed in UPSC. It basically involves changing of certain keywords and going to elimination
method. Once you get a hang of it it becomes very fast to tick or skip the answers.
● Those getting poorer scores are because
○ a) Not revising properly → Then solution is obvious =you have to revise more
○ b) Overthinking / Birbal ki Khichdi/engaging in hairsplittery/lawyer-LLB type mentality/ thinking outside the photoframe.
○ c) Not reading the words carefully
○ d) Silly mistakes like Incorrect statement is asked but they are taking the correct statement
○ e) Mind is stuck elsewhere in WhatsApp Telegram Netflix , fight with siblings/parents, loveaffairs & breakups. so person is reading the
handout but he/she's not absorbing it properly.
● I am sure you will do well. Just focus on the lecture, revise the handouts and give the weekly Tests in regular fashion and rectify mistakes.
● When the first four pillars are over you will automatically see the big picture how everything fits together in the whole syllabus.
E01] Please give separate pdf file containing your weekly Quiz, its answers & explanations
- While I appreciate your enthusiasm but I do not have the ‘quiz’ outside the “embedded quiz system of unacademy portal”
- I have suggested the team unacademy they should create some button to download it in the form of PDF file
- Secondly explanation cannot be given for each and every MCQ. that much spoon feeding is good for class 10 board exam, here student
is supposed to know and eliminate things by his own initiative as well.
- By default out of the 30 40 questions in the weekly quiz ice all the important ones in the next Thursday class. If you have doubt about
any question first go through the appropriate handout and read the topic again. If still confusion in an MCQ, then always welcome to ask
question through this Google form!
E01] Senior students finishing weekly quiz fast / why no negative marking/ why rank on speed?
These answers are addressed in the June 25th class’s introductory part
https://unacademy.com/class/economy-pillar1a2-monetary-policy-i-money-supply-m0-m4-money-multiplier-crr-slr/89TUAVFB
E01] Please Change every MCQ in every new batch so senior students can’t finish it in 5 minutes
● This is not a mathematics quiz where I can change the sum’s figures is every time. Iran’s currency is toman. how many ways can we spin this fact for
generating new MCQs for every quiz in every batch? If I apply my brain in this activity, when will I finish updating the lecture handouts and
Powerpoint for the next week while simultaneously also addressing some 300-500+ ‘doubts questions received in google form on weekly basis?
● I wish I was a machine,so I could work 24 by 7 without eating, sleeping, rest or any personal life. But until that happens we have to continue with the
present system.
E01] Please increase the number of questions asked in the weekly quiz /live class/in handout
If I increase the quantity of MCQ then their quality cannot be maintained. If a handout has 25 pages, and i try to create 100 MCQs from it, Then
will end up being a pedestrian quality clerk-exam level MCQs.
E01] Please add previous pillars questions in the next week's quiz e.g. Pillar1's MCQs in pillar2's quiz
If I try to add more number of questions then what is already provided under the weekly quiz then it will dilute the quality of the questions and
ultimately it will become like clerical GK type MCQs. And those who joined the batch late, will not be able to cope up in wekly quiz, if their
previous pillars are not yet finished. and so I have kept this segmented approach in weekly quiz.
E01] What is 50:50 strategy? in ticking the MCQs?

Ref: slide 75 onwards
https://unacademy.com/class/economy-pillar1a1-money-2-digital-upi-bhim-rupay-npci-etc/U9895R12
E01] I am unable to get correct answer even after doing 50:50 elimination strategy
50-50 strategy requires that you should be familiar with many of the background factoids so that you can eliminate the wrong answers properly
and even within the remaining 2 options, you can pick up a more suitable optional because of your contextual knowledge of Many related
subjects/theories. Therefore 50:50 it will help second third attempt-walla candidates Who has studied more number of things / Newspapers /Books
/Subjects more compared to a fresher/first attempt who has just started the preparation.
I have joined the batch late and I am unable to score well
Regarding your second question that your score is coming less the reason is you have joined in the last week of December so immediately if
you start reading my handout and power point it will take you some time to get familiar with their particular pattern and vocabulary and
methodology of teaching so there is no need to get demotivated.
If you start from the beginning in the next course you will be doing much better
In that case please, Attend the upcoming economy course from 18th Feb-2021onwards
https://unacademy.com/course/mrunals-economy-course-for-upsc-prelims-mains-2021-63/BYTRF4K9
E02] Unacademy's other tests

E02] 🔠Mock → Unacademy's own weekly Tests
● One should do the weekly test as per the class schedule and comfort level.
● Unacademy is like a big TV channel. They've to do 50 different shows parallely to cater to all type of audience.
● for example, They are having their own NCERT test series in class wise manner e.g. class11-12 ki macroeconomy NCERT test etc.
● But, if you're doing my economy course, Then pretty much all the economy from the NCERT is embedded within the course and we are
having our own set of Mrunal's weekly test
● so then there is no need to do class 11- 12 NCERT economy textbooks test on weekly basis, until my course is over (After finishing the
course you can do that). because you may not even be familiar with all those concepts of economy Until I finish the course. And you
separately start reading the class 12 economy NCERT for that purpose then it is double majoori, not required.
● Use similar approch in other subjects. give priority to subject wise / topic wise tests. rather than class wise NCERT test. For example
after you finish the geography subject go for the geography NCERT test in unacademy.
E02] 🔠 Unacademy Aspire test series - win amazon gift cash
https://unacademy.com/event/testseries/aspire
E02] 🔠 Unacademy Championship test series
In two rounds unacademy total provided 10 full length test with 100-100 questions , followed by classes for explanation and analysis.
see
round1 (FIVE TESTS)
https://unacademy.com/test-series/all-india-free-mock-test-for-upsc-cse-prelims-2020-gs-paper/7NHZRNNA
Round2 (FIVE TESTS)
https://unacademy.com/test-series/unacademy-upsc-championship-20all-india-free-mock-for-prelims-2020/POGWQTRG
E03] Mock → Paid Test Series by private institutes

Should you join a paid test series or not? please watch the the slide number 67 of the following lecture
As you know that all the coaching institutes provide free more questions for the purpose of publicity and marketing. So intelligent candidates
need not spend extra money for tests. go thru following steps:
1. Finish the syllabus
2. Go to previous topic wise paper
3. Then download such free test available on internet (And because you would have gone through previous years papers so you will now
what type of questions are relevant and what type of questions are not relevant )
yaani ki, 1 paisaa alag se Spending not required. Further on unacademy, plenty of parallel programs are going on for providing tests for prelims
and mains. so you can benefit from it.
E03] Should I join any paid test series for Prelims?
● If you’ve just started preparation then It is too premature to join any test series for prelims or mains. test series are not a prerequisite to clear the
exam, many toppers have managed to do without any test series. Although test series do help augmenting preparation so what you can do is- Your
unacademy plus subscription comes with the free full package of mock tests for example weekly tests from see this https://unacademy.com/plus/test-
series/weekly-mock-tests-on-upsc-cse-prelims-paper-i-gs-2020/Q7GBCQCQ
● So, at present you only focus on Solving topicwise previous years papers and these (free) things which are coming with your plus subscription, no
need to separately spend money in joining other things. Once you gained sufficient practice / revision then you may explore joining prelim test series
2021.
● Also watch this video for more advice https://www.youtube.com/watch?v=gVtExeJtuz0&t=717s
● Many websites are also providing free of cost test series for advertisement so, you can benefit from that.
E03] some toppers claiming they solved 25000+ mock questions before prelims so should I solve that many
questions?
what this video (27:10 minutes onwards) for why toppers tell partial truths or half lies or exaggerated claims or get misquoted by coaching
institutes
https://www.youtube.com/watch?v=htcu1I2PAtk
How many number of prelim and mains mock test series should I appear before the exam?
This is a subjective question and it depends on how quickly you finish the syllabus accordingly you may give 3 or you may give 13. Although
every full length mock test is an investment of at least 4 hours if you combine the the examination process and the the subsequent process of
checking the answer keys so accordingly you should invest your time wisely whether I should give more number of mock test or I should do
more number of revision
E03] I am feeling demotivated after poor score in a Paid testseries

- Private classes test series are often designed by inexperienced content writers so it is not necessarily that whatever quiz they have frame = it is
actual reflection of the real UPSC exam. And therefore poor scores in the private mock test does not necessarily mean that you will not clear UPSC
exam. Therefore it is always advisable to observe the previous papers, So you can know whether the given mock test is within the scope of UPSC
exam or just pedaling garbage.
- so first you should finish a block of syllabus e.g. “Polity → fundamental rights”, then go through its topic wise papers of the previous years → if you
are unable to solve at least 50% of those questions even after finishing the syllabus → well then in that case It shows that you have not
finished/revised the syllabus properly. So rectify accordingly.
E03] Now that only one month left before prelims how many e private mock test should I give?
● If you give a paid/free full length mock test (100 MCQ)= 2 hours time. + 1.5 hour Spent in solving the answer key and explanations.
● And the physical, mental and eye fatigue may also prevent you from doing any other work for another 20-30 minutes.
● meaning Every mock test is an investment of 4 hours.
Who should not do it?

● Those who are not finally finished with their prelim syllabus= they should not do it. Their first priority should be to finish the syllabus.
● Afterwards if time is left you may engage in it, but not more than 3-5 such papers.
E03] You are suggesting that go through previous years papers. How many previous years paper should I see?
- for prelims from 2011 to 2019. (Because new prelims syllabus came into effect from this year)
- for mains from 2013 to 2019. (Because new mains syllabus came into effect from this year)
E03] I am not interested in CDS/CAPF type jobs . But just to get the experience or warmup exercise should I
Appear in their examinations?
Going to the exam centre = your entire day will be spent in the travel and fatigue.
so if you do not want the job, then there is no need to go there for 'warm up', you can simply download the question paper from online websites
after the exam is over. It will consume less time and energy that way.
E04] �� Mock → Mains Answer Writing related FAQs
✍️🎺Should I join any private mains answer writing test series?
- If you have money to spend then yes, otherwise it is not something essential for passing the exam. ki agar nhi purchase kiya toh fail ho
jaayenge. Three years ago there was no mania about mains answer writing and yet people were clearing the exam. This is just a fancy
product invented and promoted just like the "pre wedding photography" to make more money by the private coaching institutes.
- reason1: Usually the same question bank keeps getting recycled. If you search around you will find the enough questions for practice
from free mock tests and previous years upsc papers. After all how many questions can anyone invent from the static topic such as
history culture women development.
- reason2: usually big teachers don't have time to evaluate all papers by themselves. so Evaluation work is delegated to junior teachers
or some candidates who have previously appeared in the UPSC Prelims and mains. So whatever advisor is are usually very general in
nature, And nothing some super duper hyper intellectual thing. If you want to know how you can improve your answer then you have to
show it to some professor of a government college because ultimately those type of people are invited in UPSC to check the papers....
toh unko kya mazaa aataa hai.. only they (professors) can tell better.
- You can also download toppers free mock-test answer copies from http://www.visionias.in/resources/toppers_answers.php And
observe how they have answered the things
✍️🎺Examine,Critically Examine,Discuss,Critically Discuss,Evaluate,Elucidate?
How to answer the question based on above directive words?
Ans. Lecture Number#4: slide 117 onwards of this lecture

What is constructive criticism?

Constructive criticism basically means that you highlight it a particular problem and then suggest the reforms in it, Instead of criticizing just for
the sake of criticizing
For example how economic survey has highlighted/criticised the problem

That even after 50 years of nationalisation, public sector banks are lagging behind the private sector banks. but at the same time economic
survey also suggested plenty of reforms to fix that problem we learned in pillar 1B..... That is constructive criticism
✍️🎺Should I specifically write titles in the answer like "introduction", "body" "conclusion"?
- Some toppers do it
- some toppers don't do it
- Both types of candidates are been selected
- so, either way is fine, depending on your own comfort level.
✍️🎺Upto how many previous years question paper should I analyse?
- New Mains syllabus came into effect from 2013 so you should go through the paper since then you will find this papers free of cost at
https://Mrunal.org/mains
✍️🎺Should I buy any model answer book for mains?
- Plenty of such books available in the market but the quality is lacking mostly it is just Wikipedia cut-paste type of thing without depth or
substance Which is required for the UPSC mains exam.
- So better to finish the syllabus by yourself then try the answers by yourself alternatively you can also search internet for some reputed
websites have provided the model answers for free for example https://Mrunal.org/mains
✍️🎺Q. some toppers advising students to start mains answer writing from day1? what to do?
- There is a systematic misguiding propaganda by Coaching Mafia, Fake E-learning sites and sell-out (बबिाऊ) Toppers who're advising students to
start UPSC Mains answer writing from day#1, because they want 1) page views & subscribers 2) earn quick buck by selling them useless test series
That's why
- I created following video with more than 6 lakh views https://youtu.be/htcu1I2PAtk to prevent students from falling into their
propaganda.
- also listen What rank 20 NEHA said about this matter https://www.youtube.com/watch?v=AubBG0Zq2wk
✍️🎺Q. When should I start doing Mains Answer practice?

- New entrant to gym teacher on day 1: "Tell me how to do 100 sets of 50kg dumbells just like Hrithik Roshan from day 1?"
- gym teacher: ''Have patience, first build the strength and stamina to lift those heavy dumbells."
- Similarly, It requires certain amount of supplementary reading/knowledge before a person has enough content to do the mains answer
writing in proper manner. It will come to you but you will have to read various topics for a period of time and finished a significant portion
of syllabus.
- Prerequisite for a good answer writing is that person should have finished the core syllabus, has read newspaper columns for atleast 4
months, read supplementary material like yojana-kurukshetra, NCERT Class11-12 Sociology and political science books etc.
- you should go for answer writing with subject wise completion of Main syllabus and then do the answer writing once you are done with a
particular block of syllabus. For example freedom struggle = higher level books like Plassey to partition etc. → then going to Previous
years mains question papers and practicing some answers.

- For a first attempt student the first & primary priority should be to finish the syllabus of the examination. "Daily answer writing ki pipudi"
should not be your primary objective. My Further thoughts on “WHEN to start answer writing” are given here:
https://youtu.be/htcu1I2PAtk
- In our present economy course, we have started Answer writing from 21st June Sunday lecture please see it. Because everyone in this
batch is not at the same level of preparation. some of you may be fresher, some of you may be appearing for the second attempt in
prelims, so i can't 'wait' for my side for everyone to have 'finished' the syllabus before I teach answer writing here. But that does not
mean it is compulsory that you have to immediately start it.
- If you are appearing for the prelims 2020 then at present it should not be your priority Because hardly one month is left before the exam
When should I start practicing essay writing ?
It is too early to start the essay writing preparation before that you need to cultivate lot of points for the general studies internationalisation
ethics so it is advisable to practice essay writing after your preliminary exam because at that time you will be in position of more number of
points then you are at the present stage
✍️🎺How do I know what is a good answer / model answer?
- Watch my special classes on modal answers. avaialble at https://unacademy.com/@mrunal.org/courses?goal=all&type=special
- also my articles at https://mrunal.org/mains
✍️🎺How can I write good introductions and conclusions?
- Writing good intros and conclusions = It requires finishing the syllabus and little bit of peripheral reading from economic survey Yojana
Kurukshetra etc. then this skill will come naturally to you ... just like breathing oxygen from the air. So there is no need to lose patience
in the initial answer writing. You will improve over a period of time.
✍️🎺Q. Do I have to do answer writing on daily basis or from day1?

- If a topic is such that its direct answer is available in the handout or a book and the given topic is clearly understood and imprinted in
your mind then no need to do its answer writing.
- for getting pageviews/subscribers/buyers for test series = the e-learning website owners do daily tamashaa of Daily mains answer writing challenges
but If you are appearing in the examination for the first time then your priority should be to finish the subject's reading/syllabus first.
- My Further thoughts on “WHEN to start answer writing” are given here: https://youtu.be/htcu1I2PAtk
✍️🎺Q. Where can I find Qs for mains answer writing practice?
- previous years' topic wise Mains Qs are being solved in my (Free) special classes
- further, you can find many articles at https://mrunal.org/mains
- Unacademy also running some courses that provide you mock questions. go through their landing page:
https://learn.unacademy.com/plus/goal/KSCGY/topics
✍️🎺How to develop critical thinking ability and logical connectives ability for the mains answer writing?
It will happen automatically if you first finish the core syllabus and the reading sources which i've prescribed in the earlier answers.
✍️🎺Can I quote best selling authors like Robert Kiyosaki (Rich dad poor dad) or Chetan Bhagat etc?
● The professors evaluating mains answers prefer to read about the opinion of renowned persons who have certain "academic or official
standing".
● so, You can quote theories/ opinion of Abhijit Banerjee who won the Nobel Prize, Raghuram Rajan a former chief economist @IMF and
former governor of RBI, Chief economic advisor, NITI Vice Chairman etc.
● whereas Robert Kiyosaki / Robin Sharma / Chetan Bhagat / sandeep maheshwari / may be a best-seller famous people but not
"persons with academic or official standing"
● So if you quote them, the professor evaluating the paper may not give you any extra marks for it.
✍️🎺Q. I am unable to write good mains answers
- it requires continuous reading over a period of time through multiple sources like newspaper columns magazines etc.
- So no need to feel discouraged if initially you are unable to do good answer writing. Improvement will come automatically over period of
time
- So read more things let your brain connect the dots among various subjects, automatically you will get the idea of the logical order of
which type of point should be mentioned first before others.
- On the first day of gym “how to make a body like Hrithik Roshan?” Ans. you have to exercise for at least 4 to 6 months.
- You need not try for writing the answer word by word as it is given in the handout, or in the PowerPoint slide.
- You just have to capture the essence of the question in 3-5 important key points, in your own words.
- For the writing the introduction and conclusion - you may require some command over language. Definitely you will become master of it.
but first it requires certain month of study, finishing core syllabus, reading of books, newspapers columns and so forth. Then over a
period of time you will have sufficient content to answer most of the Questions related to general studies.
- So there is no need to feel demotivated at present. The mastery will come to you.
✍️🎺How many points are required for a 150 word and 250 word answer?
Depending on the depth of the argument a 150 words will need usually 2-3 unique points and 250 words will need 4-5 or more points will do.
Here "points" means a core idea of a body-part.

e.g "women safety in GSM1 or GSM2" → then
1. body part1) Women safety at home= one point. Inside it you may have to write some two three lines about Domestic Violence Act,
POSCO Act etc. then
2. body part2) Women safety at work = I consider it 1 point. But inside that you will have to write about laws and guidelines related to
preventing sexual harassment at work. ME-too campaign etc.
3. body part3) role of parents and teacher= I consider it 1 point. But inside that you will have to write about how they need to to teach the
children about respecting the women, Value and morality based education. and so forth.
✍️🎺How to evaluate the mains Questions given in handout? / how do i send my answers to you for
evaluation?
- I am unable to evaluate the answers written by you personally one by one, because of the paucity of time versus large size of batch, and the
workload of replying to hundreds of queries asked in the Google form, as well as updating my power points and handouts for the next week's classes
→ so, my schedule is very busy. I'm sorry I cannot evaluate any individual students answers.
- but in my classes, I provide the model answers and list of common mistakes. So, accordingly, you can self evaluate your answer.
- further, if you have purchased the iconic subscription, you may send your answer for evaluation to your assigned a mentor.
✍️🎺How many maximum marks may be awarded for a good answer in real exam?
this video at 9:21 minutes https://youtu.be/htcu1I2PAtk?t=561
✍️🎺Doubt over word limit
● You don't have to count each word like 12345, Article preposition verb ko counted or not?
● Just take rough estimates of How many words on an average are you writing per line and how many lines are you writing per page.
● In most cases, it’ll be in range of 80-120 words per page, depending on your font size. Do the answer writing accordingly.
✍️🎺Doubt over speed/time limit in answer writing?
Q. I am unable to finish the answer writing in given time limit what to do?
Ans. Following reasons to explain your problem
1. Excessive time spent of Thinking before writing the answer.
2. Low speed in handwriting. "I have joined the gym today and like Hrithik Roshan I want to do 100 bench press from today itself." Ans =
not possible from day1. Have Patience and practice, automatically your writing speed will improve.
✍️🎺How can I write the answer faster, I take lot of time in thinking :(?
● One has to to prepare the introductions and conclusions for all the syllabus points in advance.
● Within the body part You can easily assemble the points for most of the questions after you've finished syllabus and done supplimentary
reading (Columns economic service Yojana Kurukshetra etc)
● It is just like how sambit Patra can speak on any topic on any news channel. Because he has certain key parts / arguments ready.
● This may appear intimidating to you in the beginning but you will get at this with reading reflection and practice
✍️🎺My answers are not matching your model answer?
- You don't have to write the answer word by word as I have written.
- My model answers tend to be longer than the UPSC word limit because...I'd provide 7 points (hoping that student remembers atleast 3-
4). If I provide only three to four points that student may remember only 1 point. Therefore I give more answer-points than required!
✍️🎺My answers are not matching anywhere up to toppers answer copies uploaded on website?
If you start doing push ups on day 1 you may not be able to do even 10 push ups but if you continuously do it then over the period of time you
will be able to do 25 to 50 pushups same logic applies here for those who are appearing for 2-3 years they have more factual information at
their command for writing better quality of answers
✍️🎺Should I write in paragraph or bullet?
● essay paper, ideally you should write in paragraphs.
● In other remaining papers= yes u can write in bullet points.
✍️🎺Should I memorize full forms for all organisations including small time organisations and schemes?
If you can remember the full form then you can write it but for the small time organisation it is not possible to memorize the full form then
directly write the short form For example, NWDRP , APEDA, etc.
English words in Hindi answer writing
With regards to the technical words you can write technical words such as repo rate GDP GST etc in the devnagri Lipi itself there is no need for
doing excessive shuddh Hindi for everything
However if you use excessive amount of searching even for normal Hindi words such as writing poor instead of gareeb Then it will start to open
the examiner and they may deduct the marks
✍️🎺How to improve spelling and grammar for the answers?

- There is no need to feel demotivated about it. Because
- In most cases candidate has studied in a non English medium during the school
- then he has joined some engineering /pharmacy or commerce college where the medium was English only for the descriptive paper but
in those technical papers you only had to write the theory-facts in Bullet format. So grammar was not so greatly important.
- But now as you are preparing for the UPSC exam in the mains essay paper and even in the mains compulsory English paper you
require little bit of command over the English grammar and spelling. Many candidates and pass toppers have gone through this process
and they have also obtain success.
So you can also improve the English grammar and spelling by
- Regular reading of the English newspaper / Yojana Kurukshetra magazines will automatically build your grammar / spelling skills.
- You may consult through English grammar book by SP Bakshi or or AP Bhardwaj. No need to purchase brand new copy. you may even
go to used book second hand because the content remains the same.
- Unacademy also has lot of free courses on English grammar.
- watching of DD news English/ RSTV Will also build your pronunciation skill
✍️🎺Do I have to mention exact years of economic survey in my mains answers?
● It is not necessary to mention the exact years of economic surveys. I have given years in handout, to give a chronological sense of How
our Indian economy / the policy-markers' priorities have evolved over a period of time.
● For example, the earlier economic surveys in 2014 to 2015 talked about the Twin balance sheet / bad loans problem - And most of the
recommendations revolved around changing the laws to fix problems.
● whereas, the latest economic survey 2020 talks about how we can use Artificial Intelligence and machine learning to detect bad loans.
(Because now the laws have already been changed with the implementation of insolvency bankruptcy code... So we have to move to
the next level).
● When a student has revised the handout multiple times and he has Also finished the other subjects of general studies eventually his
subconscious mind will pick up all these things and interconnect them and he will be able to write a very beautiful essay/mains answer
on policy making in India.
✍️🎺Do I have to mention exact goal number of SDG?
Only for the important goals related to poverty /health /hunger/ women development, infrastructure,/ energy= you should remember the exact
SDG goal numbers. it is not necessary to memorize the exact goal numbers for the all 17 Sustainable development goals (SDG)
✍️🎺How many questions do I have to attempt Satisfactorily in the UPSC mains exam to get selected?
How many questions did the previous years toppers attempt in the real UPSC exam you will find the answer in the topper success interviews
available at https://Mrunal.org/toppers
✍️🎺What to do for Essay Preparation?

- In the market there are lot of readymade books available for the essay. However, as far as the Civil Service exam is concerned they're
not very useful.
- you have to manually gather the content and cultivate the skill for essay writing. Common resources include:
- 1. Last 3 years Yojana and Kurukshetra magazines: They are available in English, Hindi and other Vernacular languages. They can be
downloaded for free from their official website: http://yojana.gov.in/Recent_archive_2018.asp (Tip: Replace the year in URL, when you
want to access previous years). There is no need to read each and every article, at least go through the preface / Editor’s Note in the
beginning of each PDF.
- 2. Last 3 years economic surveys available for free at indiabudget.gov.in/bspeecha.asp. No need to read entire PDFs, just the
introductions and conclusions of each chapter.
- 3. IGNOU MPS-003 module. Available for free at egyankosh.ac.in
- 4. NCERT textbooks, especially those related to Sociology, Political Science and World History.
- 5. Newspaper Columns: English (TheHindu or IndianExpress), Hindi (JanSatta). In the vernacular language newspapers (e.g. Divya-
Bhaskar Gujarati etc)= the quality of the column is not worthy of civil service exam essays.
Where can I find list of essay topics for practice ?
I have uploaded previous years topic wise essay papers they provide more than enough number of practice essay titles for all variety of
subjects and themes
https://mrunal.org/2021/01/download-upsc-mains-essay-topicwise-analysis-strategy-booklist.html
When will you cover the model answers for Mains GSM1-2-3 exam of 2020?
model answers for mains-2020 questions will be covered in my free special classes. although at present my priority is to focus on the budget
and economic survey related special classes under the win21csp series.
F01] Additional requests to teacher
How to contact you for educational doubts after this course is over
Replied in the slide number 34 of this lecture
https://unacademy.com/class/economy-pillar5-infrastructure1-mining-energy-transport/LTO5IFXE
How to study the latest budget economic survey and current affairs after your course is over ?
I will be covering them in a free series known as win21CSP. refer slide 35 of this lecture for more:
https://unacademy.com/class/economy-pillar5-infrastructure1-mining-energy-transport/LTO5IFXE
What to do for economy after the course is over?

Explained in the last lecture of this course in the slide 87 onwards
https://unacademy.com/class/economy-pillar4z-microeconomics-part-2/ZW8J64AM
F01] please evaluate my Mains answer written by me!

● I am unable to evaluate the answers written by you personally one by one, because of the paucity of time versus large size of batch,
and the workload of replying to hundreds of queries asked in the Google form, as well as updating my power points and handouts for
the next week's classes → so, my schedule is very busy. I'm sorry I cannot evaluate any individual students answers.
● but in my classes, I provide the model answers and list of common mistakes. So, accordingly, you can self evaluate your answer.
● further, if you have purchased the iconic subscription, you may send your answer for evaluation to your assigned a mentor.
What is unacademy iconic subscription and should I take it ?
In the unacademy iconic subscription basically they assign you a senior student who has cleared the previous prelims / Mains examination. So
basically he or she will act as a mentor for elder brother or elder sister and provide you guidance for the preparation whenever you need it
through they may also evaluate your mains answers among other things so if you require that type of additional services you can purchase their
higher product. To know more about the features you may get in touch with: help@unacademy.com
F01] 👨‍🏫I am unable to remember so many schemes please give me MindMap of schemes!
The schemes are covered by powerpoint and handout in a sufficiently logical and easy manner. If required you can create mind maps on your
own using FREE software such as freemind. http://freemind.sourceforge.net/wiki/index.php/Main_Page
F01] 👨‍🏫⏱subscription expiring sooner, please email me material

Q1. My subscription is expiring sooner, please email me your PPT/Handout to xyz email address?
Ans. While I sympathized with you but rules do not allow me this. And it will also be an injustice to those who have purchased the longer
duration subscription.
But, what you may do is- before your Subscription expires= watch the recorded lecture and download its material from the previous batch
(Ended in Sept'2020) https://unacademy.com/course/mrunals-economy-full-course-for-upsc-prelims-mains-2021-507/QTOO36CS where the
course was concluded then follow Win21CSP SEries.
Q2. How can I Ask doubt in future, after my subscription has expired?
There is a contact me form on my website. But because of the workload of answering these existing FAQ forms, I may not be able to Reply to it
promptly.
F01] 👨‍🏫⏱Please allow image upload facility in the Google form

People upload screenshot from pirated private test series / books asking me question, then it creates new legal complications for me so I had to
disable image uploads in google-form.
F01] 👨‍🏫⏱Please Teach other subjects
Thank you for your faith in my teaching quality! Presently my focus is on finishing the economy for this batch. If I start taking 5 others objects →
quality cannot be maintained in any of them.
F01] 👨‍🏫⏱Please teach Economics as an optional subject

● I teach economy for UPSC general studies.
● Economics as an optional subject also involves a lot of thinkers and theories graphs and mathematics, Which are not important for the
scope of general studies ki economy. So, I do not keep track of economics as an optional subject so which books are more suitable
according to the latest trend of mains exam?- I am not in position to comment precisely. Because of my tight schedule.
● But, your unacademy plus subscription is like TV channel subscription: So take benefit from optional economics course by other
teachers available at this URL:
● https://unacademy.com/goal/upsc-civil-services-examination-ias-preparation/KSCGY/topic/CUSCZ/courses
F01] 👨‍🏫⏱Buyer's remorse: i think i should have joined "Y" institute instead of Unacademy!?
● There is no need to have any buyers remorse that instead of "X" institute, i should have joined "Y" institute.
● Because there is no Institute where all the faculties will be teaching with the same level of excellence. Some subjects may have
faculties worth 19/20 level excellence whereas in some subjects may have faculties with 15/20 level of excellence or lower.
● You have to make the best use of the resources available with you.
F01] 👨‍🏫⏱Xyz Institute is claiming that 95% of the questions in prelims 2020 could be solved from their material
only
My general thoughts about such issues are shared in this video at 32:30 minutes onwards
https://www.youtube.com/watch?v=ugqbdxpeCiM
F01] 👨‍🏫⏱How do I download an article of your website (Mrunal.org) in PDF format?
Firefox → press F9 → reader view → Ctrl+P → Microsoft print to PDF!
F02] Live Class → Other Misc. queries

F02] 📡 liveclass voting option not visible
There is a button to Maximize the interface in full screen. Then it should display
F02] 📡Your teaching speed is much fast. I'm unable to keep up.
Regarding the issue that my speed of teaching is little faster than some other teachers. You're right. But,
- If I teach very everything very slowly and repeat it two times in the live classroom and then also ask students to 'vote' in live class- Whether they have
understood it or not and then again repeated for the third time ....This type of slow paced the teaching can be done for someone who is going to finish
the course in 9-12 months.
- I am running with the target to finish the economy in 4 to 5 months so that there is no excessive burden of fees or excessive burden of time on all
students. (compared to a scenario of running a course for 12 months) So that they can also spend the remaining duration of the subscription on other
subjects as well.
- Even the biggest coaching classes of Delhi charging lakhs of rupees in fees- and their biggest teachers also run in the similar speed. But the
advantage of unacademy is that you can re-watch the video again multiple Times. and If a student is having difficulty he can revise the lecture and
ask me the doubts through this Google form.
- Definitely someone who just started the lecture will have some problems getting acclimatized to my format of teaching PowerPoint and handouts,
compared to a traditional college class.

- But everyone gets to the speed eventually so just continue the momentum and economy will become easy for you just like breathing oxygen.
- If you are facing difficulties at the initial level like "I am unable to finish the entire hand out by Wednesday" then you can give the test on some other
day. it is not necessary that you should always run in the race with other candidates from day#1. Begin at your own comfort level but at the same time
do not become complacent/lazy about the studies because ultimately this is a competitive exam and we are racing against other students.
F02] 📡Chat box / comment box nuisance
Regarding the comment box chat. I understand your agony. About the comment box matter I have stated my standpoint in lecture 1's slide number 36:
1. There is a button in the student side of the web portal where you can close the chat box. Then only the slide and My Webcam stream will be
available to you and you can use the mouse cursor to move the webcam window around the slide
2. ignore chatbox chatting. whatever doubt you have, please ask me here in this Google form.
3. If someone is harassing /trolling you in the chat box, then complaint to help@unacademy.com
4. If there is a specific incident let me know the lecture date and time when the derogatory comment was made, So I can ask the team to take action. In
past, certain user accounts were banned and they have lost the fees because of creating nuisance. So one should not mistake the the
freedom to chat, as freedom to create nuisance.
5. I keep the chat box open because often
a. Student can find out whether he is the only person having the audio video problem or is it stuck for everyone?
b. a fresh new student has joined and he has some very basic doubt, he's asking it in the chatbox e.g. which educator to follow for 'x' subject? or
where is the handout? or which book better for 'y' optional subject? or are you (senior students) have any telegram group for "z" optional?
c. Simultaneously some previous batch students are also watching the videos just for revision so they don't have to listen to me word by word.
So they would occasionally help him by answering the query during the break time.
d. So, "It should be total pin drop silence in my classroom= That is alright for school class." But, some fresh students come from places where
they don't have anyone around them doing UPSC exam. So if I am closing all the channel of communication among students- They will go to
some other digital forums where vested & wrong advise is given e.g. day#1-se-mains-answer-writing-kro, ya sirf X optional subject ki Y book
choose kro.
e. So, I keep a big heart. For a similar reason I usually keep the comment section on in my YouTube channel and website- And keep a minimum
level of moderation in it.
6. A few bad apples doesn’t mean Entire batch is full of such people. Yes for the first few lectures you may feel that too much nonsense is going on in
the chat box but eventually such non serious people will stop coming once their initial enthusiasm about IAS preparation is over.
F02] 📡Please change lecture timing to “X” day or “Y” hrs
- There is no single time which is convenient to all 800-1200 students who attend my class.
- So, if class timining not suitable to you, then advisable that you may watch the recorded sessions.
F02] 📡Please reduce the duration of your class. I cannot sit for 2 hours
- standard model of Delhi coaching institutes' is 2:30 hour lecture. because only then we can finish large chunk of syllabus in a given
lecture. otherwise if 1-1 hr or 30-30 minutes ke lecture then too much time wasted in introduction, recap and farewell = much longer time
wasted in finishing syllabus.
- so, i prefer 2:30hrs format.
- if u can't sit that long, then attend one hour live in night. then finish remaining 1:30 hour next morning in a recorded session.
F02] 📡Please do not give any breaks. teach continuously for 2 hours just like some other educators
● My throat also requires some rest, And my eyes also require some rest from looking at the computer screen continuously.
● So, the break is not only meant for students but also made for me as a teacher.
● even the government's own Pragyata guidelines for e-Learning say that break should be given every 30 minutes. because continuously
sitting and starring in front of computer screen is bad.
● some of the younger teachers may be able to speak continuously for 2 1/2 hours. I am 35 years old. It is not easy for me.
● in the GS four exam. There is a topic called "empathy". Sadly the same is missing among some consumers. They think the other person
is just a machine who can continuously talk for 2 1/2 hour
How can I ask you question after the course is over?
The doubt session Google form will be open for two weeks after the course over So you can continue asking me questions
afterwards my next course will be launching it will have a separate Google form so you can ask me question through there
F02] 📡Piracy of your courses on telegram & elsewhere

- i've only one official telegram channel- https://telegram.me/Mrunalorg all other channels named after me are fake.
- Unacademy's legal team is continuously taking action against those elements who're engaged in piracy and/or creating fake accounts in
my name to pirate material on various electronic platforms.
- If you notice such activity please bring it to notice at help@unacademy.com CC Mrunal.faq@gmail.com

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Educational Queries in Mrunal’s Economy Course at Unacademy Plus (Batch PCB#2) Discount Code: ‘Mrunal.

Doubts abt Win20 And Win21

Section Types of Querries

A00] General - A01] Strategy/Planner/Time Management

B00] Admission / - B01] Type of student: Old student/Previous Batch student

- B05] Type of student: Non-IAS exams student-

C00] Economy - C01] Economy Handout related queries, corrections in

D00] Economy - D01A1] money's evolution: barter to bitcoin, Digital economy

E00] Mocks - E01] Weekly Quiz of Mrunal's Economy Class

F00] Misc - F01] Additional Requests / Farmaayish from teacher

22_Feb _2021_Students'_Doubts_upto_6_pm .................................................................................................................................................. 76

Overwhelmed by the information overload ................................................................................................................................................ 127

What topics are you going to teach in economy? ...................................................................................................................................... 176

Companies Act authorised capital vs paid up capital? ............................................................................................................................... 198

What is tax rebate? ................................................................................................................................................................................... 204

D02]How can budget deficit be '0'? ........................................................................................................................................................... 211

What is special purpose Vehicle company ? ............................................................................................................................................. 222

Q. When should I start doing Mains Answer practice?..................................................................................................................... 237

F01] Additional requests to teacher ......................................................................................................................................................... 244

QUERY 2 : Sir im facing difficulty in understanding the

QUERY 3 : Do i need to do anything else after completing

16:46:04 am rhe hu sir mai. Mujse question to bn jattein hai. Lekin

Scroll Down in the PDF File → FAQ Section

weather i join Masters of Arts (PG) or not because in that

Scroll Down in the PDF File → FAQ Section

A03] Notes Making

Future student (2022,23)

browser → open the website in it → in the settings button click on "Show

General Doubts → C01] Economy Handout related queries, corrections in

Economic aspects of agriculture such as minimum support price,

understand the concepts and learning economy

Sir , i had attend your previous batch of october and

Sir , when you will start win21 series or i have to joined

Sir , your previous batch notes is sufficient or i have to

Minimum age required / age limit

Scroll Down in the PDF File → FAQ Section

economic survey, newspapers = embedded within your handout. so no

However, You will have to do some supplementary reading of Yojana and

However, You will have to do some supplementary reading of Yojana and

73 lessons. In this feb 2021 batch, there are 51 classes

Sir I am a working professional (Oracle Database

Good evening sir .... January me academy join Kiya hu

A01] Strategy/Planner/Time Management, Prelims-Mains-Essay

Hello sir, I am currently enrolled in IGNOU BA programme

Scroll Down in the PDF File → FAQ Section

It depends on whether your particular course subject teachers have

Scroll Down in the PDF File → FAQ Section

Scroll Down in the PDF File → FAQ Section

Scroll Down in the PDF File → FAQ Section

Although, I would be extremely grateful if you could please advise

Sir i goin unacademy on start of november 2020 and i shaw your

Parden me if my question is irrelevent.

Scroll Down in the PDF File → FAQ Section

Teaching profession has become like selling motorcycle in a

chetan Anyways here is the answer:

When the customer is asked by NSO? how much private

Just revise it often

Sir hm 2022 k liye prepare kr rhe h hmko time management or

2.generally roj 3 class kr rhe h ajkl 2 g.s or 1 optional to usme 6-7

writing for this exam? https://mrunal.org/2017/04/strategy-rbi-officer-booklist-cutoff-

I have not seen its past papers so it is difficult for me to comment

Many interview candidates have the similar level of profiles that