Headlines

‘Need system to identify illegal loan apps’ - Page No.5 , GS 3

The new ‘normal’ of political splits and shifts - Page No.6 , GS 2
The scam faultline is damaging Indian banking - Page No.6 , GS 3
Far apart - Page No.6 , GS 2
Why the world needs peace in Ukraine - Page No.7 , GS 2
PM unveils National Emblem atop new Parliament - Page No.11 , GS 3
‘Amarnath-like events unpredictable’ - Page No.12 , GS 1,3
Text and Context - The search for dark matter
Text and Context - The new guidelines to prevent unfair trade practices
Questions (Map, Prelims, Mains)

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Pg no. 5 GS 3
The Telangana Government has asked the Reserve Bank of India to
establish a market surveillance mechanism to identify illegal loan
apps which are functioning in violation of the RBI guidelines so that
action can be initiated against them.

“Many loan apps exist on Google Play Store against RBI guidelines.
They are not disclosing the names of associated non-banking
finance companies (NBFCs),” the State said in a representation
submitted to the RBI.
Pg no. 6 GS 2
Political parties sometimes break up like marriages, and like
remarriages, individual legislators switch parties. In both cases, the
consequences can be severe.

When individual legislators or a group decide to leave a party, form

another party, or join another party, it could have repercussions in
terms of government formation, maintenance, and termination.

The first wave occurred towards the latter half of the 1960s when
challengers to the Congress attempted to displace it in the States.
Much of our discussion is dominated by the morality of splits and
switches, and this revolves around the damage it causes to the
foundations of representative democracy.

First, switchers violate the trust relationship with their constituents as

voters get something other than what they bargained for.

Second, assuming voters vote for parties and not candidates, the
argument is that uncohesive parties make it difficult for voters to draw
definitive lines of responsibility.
Pg no. 6 GS 3
The banking system of any country is the backbone of its economy.
Excessive losses to banks affect every person in the country because
the amounts deposited in banks belong to the citizens of the country.
The NPAs that banks incur are mainly due to bad loans and scams.

Data by the Reserve Bank of India (RBI) show that around 34% of scams
in the banking industry are on account of inside work and due to poor
lending practices by and the involvement of the junior and mid-level
management.

According to the RBI data, corporate loans account for nearly 70% of
these bad loans, while retail loans, which include car loans, home loans
and personal loans, account for only 4%.
Over time, bad loans lead to higher NPAs. So, banks have to exercise due
diligence and caution while offering funds. The regulation and the control
of chartered accountants is a very important step to reduce non-
performing assets of banks.

The fast rotation of employees of a bank’s loan department is very

important.
Pg no. 6 GS 2
China seems to want to test India’s resolve to sustain its forward
deployments

The July 7 meeting between External Affairs Minister S. Jaishankar and

his Chinese counterpart Wang Yi, on the sidelines of the G20 Foreign
Ministers’ meet in Bali, served as a reminder of the curious state of
affairs in India’s relations with China.
Pg no. 7 GS 2
The world cannot afford the continuation of this war, and India is in a
unique position to help

The Israelis and Turks seem to have given up their efforts, and the visit
of the UN Secretary-General, António Guterres, helped improve
humanitarian relief but did not deal with a military truce.

Meanwhile, the collateral damage of the war is being borne by the rest
of the world. We are all reeling under the “double whammy” of the
economic consequences of COVID-19, especially the associated
lockdowns and disruptions of supply chains.
Pg no. 11 GS 3
The sculpture made of bronze weighs 9,500 kg and is 4.34 metres wide

Prime Minister Narendra Modi on Monday unveiled a 6.5-metre-tall

National Emblem on the roof of the under-construction Parliament
building here.
Pg no. 12 GS 3
The flash floods in the vicinity of the Amarnath caves that cost 16
lives already were not due to a cloudburst but an ‘extreme event’
that could not be forecast in advance.

The consequences of global warming are that events such as these

are likely to be frequent, said M. Ravichandran, Secretary, Ministry of
Earth Sciences (MoES).
Dark matter is made up of particles that do not have a charge. So,
these particles are “dark”, namely because they do not emit light,
which is an electromagnetic phenomenon, and “matter” because they
possess mass like normal matter and interact through gravity.
Pg no. 7 GS 3
On July 4, the Central Consumer Protection Authority (CCPA) announced
five key guidelines to prevent unfair trade practices regarding the levy of
service charges in hotels and restaurants.

Service charge is a fee collected to pay for services associated with the
purchase of a primary product or service.

It is collected by hospitality sectors and food and beverage industries as a

fee for serving customers.

If any consumer finds that a hotel or restaurant is levying a service charge

in violation of these guidelines, they may lodge a complaint on the NCH by
calling 1915 or through the NCH mobile app.
What are the powers of the CCPA?
The CCPA has been established to regulate matters related to the
violation of the rights of consumers.

Under the Consumer Protection Act (CPA), 2019, the authority was
established to regulate violations of consumer rights, unfair trade
practices, and false or misleading advertisements that are prejudicial
to the interest of the public.
MAP Based Question:- Name the countries which shares border with
Syria?
Prelims Practice

Consider the following statement regarding मौलिक अधिकारों के संबंि में निम्िलिखित कथिों
Fundamental Rights: पर विचार करें :
1.The Fundamental Rights are meant for 1. मौलिक अधिकार राजिीनतक िोकतंत्र के आदर्श
promoting the ideal of political democracy. को बढािा दे िे के लिए हैं।
2. The Fundamental Rights aim at 2. मौलिक अधिकारों का उद्दे श्य 'कािि ू ों की सरकार
establishing ‘a government of laws and not of स्थावपत करिा है ि कक परु ु षों की'।
men’.
Which of the statements given above is/are ऊपर ददए गए कथिों में से कौि-सा/से सही है /हैं?
correct? (A) केिि 1
(a)1 only (B) केिि 2
(b)2 only (C) 1 और 2 दोिों
(c)Both 1 and 2 (D) ि तो 1 और ि ही 2
(d)Neither 1 nor 2
Mains Practice Question:

“Equal pay in sports will bring in more women as players and fans”. Comment.
(150 words)

"िेि में समाि िेति अधिक मदहिाओं को खििाड़ियों और प्रर्ंसकों के रूप में िाएगा"।
दिप्पणी। (150 र्ब्द)

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Answer: (c)Both 1 and 2

Explanation:
Both statements are correct

The Fundamental Rights are meant for promoting the ideal of political
democracy.
They prevent the establishment of an authoritarian and despotic rule in the
country, and protect the liberties and freedoms of the people against the
invasion by the State.
They operate as limitations on the tyranny of the executive and arbitrary
laws of the legislature.
In short, they aim at establishing ‘a government of laws and not of men’.
Introduction:
• The Gender Pay Parity, also known as Gender Pay Gap or gender wage gap is the
average difference between the remuneration for working men and working
women. Research and studies show that women are paid less than men.

Body:

• Women on an average are paid 34% less than similarly qualified male workers for
performing the same tasks.
• New Zealand has announced equal pay for both male and female cricketers is a
major landmark in the fight to close the gender pay gap in sports.
• The agreements are expected to be game-changers, encouraging more girls to
take up the sports.
• Historically, because of social conditioning men were encouraged to take part in
sports.
• Women, on the other hand, have been forced to internalize that sporting
participation and fandom are not for them.
• The need of the hour is to eliminate such barriers and improve access.
• The prime example in India is the success of Saina Nehwal and P.V. Sindhu, who
benefited from a reasonably well-structured system, found success and rose to
become highly paid stars in their own right.
• Reducing the pay gap is also about being fair and respectful, and recognizing the
effort and excellence women bring to the sport.

Conclusion:
• It is time the vicious cycle of fewer women accessing sports, fewer women
becoming professionals and hence fewer women having commercial opportunities
is broken and the glacial pace of the journey towards pay parity hastened.
MAP Based Question:- Name the countries which shares border with
Germany.
Prelims Practice

Consider the following statements regarding मौलिक अधिकारों के संबंि में निम्िलिखित कथिों
fundamental rights: पर विचार करें :
1. Equality of opportunity in matters of public
employment right is available only to citizens 1. सािशजनिक रोजगार के मामिे में अिसर की
and not to foreigners . समािता का अधिकार केिि िागररकों को लमिता है
2. Equality before law and equal protection of विदे लर्यों को िहीं
laws available to both citizens and foreigners 2. कािि ू के समक्ष समािता और िागररकों और
(except enemy aliens) . विदे लर्यों (दश्ु मि एलियंस को छो़िकर) दोिों के लिए
उपिब्ि कािि ू ों का समाि संरक्षण।
Which of the statements given above is/are
correct? ऊपर ददए गए कथिों में से कौि-सा/से सही है /हैं?
(a)1 only (A) केिि 1
(b)2 only (B) केिि 2
(c)Both 1 and 2 (C) 1 और 2 दोिों
(d)Neither 1 nor 2 (D) ि तो 1 और ि ही 2
Mains Practice Question:

Investing in roads reduces travel time, increases economic

output and helps upgrade human development. Explain (150 words)

स़िकों में नििेर् करिे से यात्रा का समय कम होता है , आधथशक िद्

ृ धि होती है
उत्पादि और मािि विकास को उन्ित करिे में मदद करता है । समझाएं (150 र्ब्द)

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