1

Monthly Current Magazine is out! 2

Events in March 2023 3
FAQ: Frequently Asked Questions 13th March 9AM to 22 March Midnight 4
Download Topic Wise Mains Papers for Free 23
Strategy, Booklist Notes Making, Current Affairs, CSAT for UPSC 24
Current Affairs how to manage 25
Time management 25
Test Series for Prelims- when to join/start 26
Optional Subject Selection 27
Notes making ke FAQ 27
How to improve accuracy in Prelims/ 50:50 elimination not working 28
Test Series: Mains Answer writing when to start 29
How to get my Mains-answers evaluated without paying extra 30
Essay writing when to start 31
Career backup / Plan-B 32
Economy Course Kaun sa dekhu? 32
“RAFTAAR” TAG MEANS 33
Old Batch Student: shd I sit here in PCB9-RAFTAAR? 33
Target 2024 / 2025: Shd I sit here? 33
Which books do I have to read for economy? 35
Economy Handout specific doubts 35

🚨
Difference between handout and PowerPoint 35

🚨
Download Handout from Mobile App 37
Download handout from laptop/desktop 38
Hindi medium में परू ा हैंडआउट चाहिए मज
ू े 39
Old Batch Student shd I take printout again for PCB9-RAFTAAR? 39
Correction: Economy Handout 39
Correction: Economy Weekly Quiz on Wednesday 39
Economy quiz- poor score 41
 2

Monthly Current Magazine is out!

Download URL:

🔖
https://unacademy.com/content/upsc/downloads/
( unlock Code: 'Mrunal.org')
 3

Events in March 2023

👩🏻‍🏫 (1/3) Online Paid Economy Course for UPSC

754/6ZPQTB6O (🔖discount Code: 'Mrunal.org')
https://unacademy.com/course/mrunals-economy-course-for-upsc-prelims-2023-

👩🏻‍🏫 (2/3) Online FREE Economy Update Win23 Series of Lecture:

(🔖unlock Code: 'Mrunal.org')
https://unacademy.com/@mrunal.org/courses?goal=all&type=special

🏆🔠(3/3) Quiz- FREE Mrunal’s Monday Current Affairs Quiz 8PM

📲URL:
https://unacademy.com/test-series/mrunals-monday-weekly-current-affairs-round-

🔖
up/AV9Y4LET
( Free Unlock Code: Mrunal.org)
 4

FAQ: Frequently Asked Questions 13th March 9AM

to 22 March Midnight

Download the PDF then click on link

then it’ll open those Loom /Youtube
videos links

Time Sr Name Question Answer

FAQ 2025/2026: Shd I sit in your Course
13/03/2 or not?
023 Q Answered in this video-
12:30:3 00 IshiTa Sir mujhe 2025 me exam dena h to https://www.loom.com/share/2a05bc17e4
8 1 Singh abhi se ye class start kr skti hu b74c72b3f3d855d7ab7f54
Sir in lecture 6 when you were
teaching M3(Aggregate money supply
) and its relation with loans taken or not
, I am confused that how you
generalised in MCQ ,coresponding to it
that all three relations will be correct
,Since , it was a specific imagined one
food chain type of simple case, in
13/03/2 which it was clearly visible .Cannot
023 Q money be distributed in other complex
22:59:3 00 Amey manners and will the relation be same
6 2 Goyal there ? which MCQ exactly are u referring to?
Hallo Sir, when RBI is asked to print
currency, jo aapne example me bataya
tha 1A2 me, whose liability it is to https://www.youtube.com/watch?v=OHwh
arrange for the assets to match the U73P5Sw
13/03/2 liability getting printed by RBI? Will the - here is the timestamp to find your
023 Q Mekaye Govt. arrange the Gold answer
23:38:4 00 el coins/bars/American bonds or it will be - 00:00 to 16:00 Learner Q03 to Q45
8 3 Hasan done by RBI itself? - 16:00 onwardsLearner Q46 to till end
 5

e.g. if the Chinese authority allow Indian

banks to open branches in China, then
RBI will allow Chinese bank open
branches in India.
Good afternoon sir !
14/03/2 sir , In definition of Foreign banks in if Pakistani authorities do not allow Indian
023 Q india : banks can open branch by "On Bank to open branches in Pakistan. Then
04:42:0 00 tap licence" on reciprocal basis . sir RBI will not allow Pakistani Banks to open
5 4 dolly ,what is reciprocal basis here ? branches in India.
If inflation is rising, then people will move
from fixed investment instruments such as
bonds towards shares or gold so yield
may rise.

to combat inflation, central bank is

reducing the money supply thru
OMO-bond buying then yield may fall.

Pranam Sir, You understand about the statements first,

you have to understand the operation
Please explain the conceptual twist explained in the 1A2, esp. the part
relationship between related to relation between bond purchase
14/03/2 [Hawkish/Expansionary Policy, price, demand and yield.
023 Q Inflation] and [Bond Yield, Bond Price]
13:23:4 00 and also 1C: inflation index bond, to
0 5 Sanket Thanks in advance understand negative real interest rate.
Sir when a zomato became public ltd
14/03/2 ,and fresh shares are released for
023 Q Gaurav extra funds, does it affect percentage
15:10:1 00 Chandr of shares of existing investors like
2 6 a naukri.com tiger global etc yes it'll.
G Sec is a Type Of Bond - 8 % Interest

T - Bill - Bond or something else?

14/03/2
023 Q Bcos T Bill give the money on face ultimately it is Short-term debt instrument.
15:44:0 00 Sonam value it's not give us interest. So T Bill Beyond that fuzzing over such pedantry is
4 7 Bharti is bond or something else? not imp.
 6

Sir, I am attending your PCB7 batch

classes as of now in which Quiz 7 had
this question.
Which of the following amount(s) does
not fall under the Public Account of
India? (निम्नलिखित में से कौन सी राशि
भारत के सार्वजनिक खाते के अंतर्गत नहीं
आती है ?)

Health and education cess (स्वास्थ्य

और शिक्षा उपकर)
Social welfare surcharge (सामाजिक
कल्याण अधिभार)
Donations received under the PM
cares fund. (पीएम केयेर्स कोष के तहत
प्राप्त दान।)

Correct answer to this was B and C. I

have gone through the handout which
mentions that when a fund is created
for the first time, permission from
Parliament is needed (Pg 296 - under
Public Account of India heading).
However, The Central Road Fund Act,
2000 itself mentions that the cess shall
be credited to the Consolidated Fund
of India (CFI). On several other places
it is mentioned that the funds collected
14/03/2 as cess are parked in the CFI. Kindly
023 Q let me know if all cess funds fall under https://twitter.com/mrunal_patel/status/163
16:01:0 00 Ishita the Public Account of India under any 8750637885394945?s=61&t=Ne6pBB6_u
1 8 Mishra specific provision. 31GjoBc8PSoPw
Good evening sir, I am practicing pyq https://www.youtube.com/watch?v=OHwh
of 1995 till current, but in economy as U73P5Sw
14/03/2 patterns are changed so should I still - here is the timestamp to find your
023 Q go through from 1995 or last 10 years answer
18:43:5 00 questions is sufficient(for only - 00:00 to 16:00 Learner Q03 to Q45
9 9 Simran economy)? - 16:00 onwardsLearner Q46 to till end
https://www.youtube.com/watch?v=OHwh
U73P5Sw
14/03/2 - here is the timestamp to find your
023 Q Kriti Sir, bond yield is assured irrespectiveof answer
23:26:5 01 Naulak company's profit, so what is the need - 00:00 to 16:00 Learner Q03 to Q45
3 0 ha for credit default swap? - 16:00 onwardsLearner Q46 to till end
15/03/2 Q _sansk
023 01 argoyal debt instrument for insurance company
09:19:4 1 _ Insurance is a debt instrument for?? who has taken funds from you.

1
15/03/2 Sir I am not able to understand that
023 Q when loan takers decreases how it
10:40:3 01 Diksha lead to fall down of M3 and Money
9 2 Shukla multipler.
Sir scoring low in mocks and after
reaching to 50:50 options In any
question I am getting wrong n after
15/03/2 getting confident in question that
023 Q marking right I am getting wrong after
10:48:5 01 Diksha giving lot of tests feeling demotivated
9 3 Shukla sir what should I do??
7
This topic/MCQ sufficiently explained in
the video lecture. You have to complete
whatever 4-5 lectures are there in a
particular pillar.
here is url to latest course
https://unacademy.com/course/mrunals-ec
onomy-course-for-upsc-prelims-2023-754/
6ZPQTB6O
If still not understood then
1 ) Watch video for five minutes and
pause it then read the handout then
resume. and so on..
2) else contact my Teaching assistant
Mustafa Ali in his live class to ask all
doubts related to economy
https://unacademy.com/@mustafa.ali
Economy quiz- poor score
Watch this Video for reasons behind poor
score in quiz:
https://www.loom.com/share/c86d3597b8
e144d5a5163910dbdcf2a4
● It takes 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
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 photo frame.
○ c) Not reading the words carefully
○ d) Silly mistakes like Incorrect
statement is asked but they are taking the

Which among the following is not an
effect of rising inflation?
A. Redistribution of wealth from
creditors to debtors
B. Lending institutions feel the
15/03/2 pressure of higher lending
023 Q C. Currency of the economy
14:18:1 01 SUHAN appreciates
0 4 I D. All of the above
Hi sir, good evening, I went to the
course update section but whenever I
15/03/2 try to download the attached pdf it’s the
023 Q Khushb ppt which u show us during lectures,
15:25:2 01 oo it’s not the handout as u mentioned in
3 5 Rangari the 1st lecture can u please help me
8
correct statement
○ e) Mind is stuck elsewhere in
WhatsApp Telegram Netflix , fight with
siblings/parents, love affairs & breakups.
so person is reading the handout / MCQ
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.
Wait till we reach pillar number 4E:
inflation then we'll study it in more detail.
Presently we are at pillar 2.
if unable to wait, then go through the
previous recordings
only prelims = PCB8 (Nov22-Jan'23)
https://unacademy.com/course/mrunals-ec
onomy-course-for-upsc-prelims-2023/7PY
9OQMF
prelim + mains = PCB7 (Jun22-Oct'22)
https://unacademy.com/course/mrunals-ec
onomy-course-for-upsc-prelims-mains-20
23/M9WQ6SDA
else contact my Teaching assistant
Mustafa Ali in his live class to ask all
doubts related to economy
https://unacademy.com/@mustafa.ali
How to download handout?
Watch this demo video &
see links given in its description
https://youtu.be/lw8fhJ8ppEM
if still not work then to raise a ticket thru
unacademy app -> me section -> support
button.

Sir , I started my preparation in october
and I completed only modern history ,
economy , polity and geography ..I
studies only 10% for options so should
I give this attempt or should I skip it
15/03/2 ...because maybe I am prepare for
023 Q prelims but I am very sure that i'll not
16:57:1 01 Anjali be able to cover maine syllabus
7 6 more properly in three months only
Sir revision kr rahi hu first attempt h to
me ab MCQ practice k liye mock test
15/03/2 start nhi ki hu koi student bol rahe h
023 Q Bhawn only mock hi Karo to me MCQ practice
22:35:2 01 a k liye PYQ karu ya MOCK test samjh
5 7 mourya nhi aa raha
16/03/2 Hlw sir, should I prepare current affairs
023 Q to the economy for myself? will you
10:59:1 01 Ashish conduct a separate lecture for CA in
7 8 Baghel PCB9
sir in your "Mrunals monday " I am
unable to solve those questions...
problem is that l've not done the
16/03/2 current affairs l have just started with
023 Q it(2024 attempt) ... also you give
18:37:0 01 Shailja questions based on old topic how can l
3 9 Verma cover those as well sir?
1. Sir when will yearly current affairs
compilation will be published?
2. Sir if possible humble request
please use transliteration form while
16/03/2 using Hindi lines on English articulate.
023 Q 74FQV it'll be easy for us to go through.
18:52:3 02 CIYNT2
2 0 Q anticipated thanks,
9
https://www.youtube.com/watch?v=OHwh
U73P5Sw
- here is the timestamp to find your
answer
- 00:00 to 16:00 Learner Q03 to Q45
- 16:00 onwardsLearner Q46 to till end
Why PYQ more important than mocks
explained in this video
timestamp 18:47 minutes onwards
REF:
https://youtu.be/-YES83U8eLs?t=1127
next year win24 series will be done.
https://www.youtube.com/watch?v=OHwh
U73P5Sw
- here is the timestamp to find your
answer
- 00:00 to 16:00 Learner Q03 to Q45
- 16:00 onwardsLearner Q46 to till end
1. Unfortunately, certain members of the
content team left to join another company
and now the process of recruiting and
training the new members is taking lot of
time. So even the December month
current affairs magazine is delayed till
amost 20th jan and then jan magazine
delayed till 15th feb.....so presently things
are not moving in the way I had expected.
and existing commitments in updating the
handout for ongoing course with budget
and 500 page ka eocnomic survey and
then Win23 series for past students and
mock interviews for UPSC mains-2022
passed canddiates etc. have/will eat away
lot of time. So, I am not a liberty to say /
promise much about this 2 years current
project. inconvenience regretted.
2. plz elaborate.
 10

Good evening sir ji , sir mera ek dought
h UPSC EPFO ka examdena h to
economic ye upsc k pdh rhi hu to kya
esi se cover ho jyga? or pta chla h ki
apne UPSC/ EPFO K EK VIDEO
16/03/2 yes BNAYE TO PLZ AP MUJHE VIDEO
023 Q premlat provide kr denge plz . thank u so much
22:25:3 02 a k sir apke pdhane ka andaj bahut hi
7 1 name achha h
in Epfo exam, They ask a specific legal
provision under various labour laws.
But such facts not important for IAS exam
trend.
So it is not covered in this economy
course meant for IAS exam.
plz see PYQs here:
https://unacademy.com/content/upsc/epfo/
Economic survey recommended doing it,
but government has not yet implemented
it and government / NITI has not bothered
to 'explain the why it is not yet done' part
of it.

If I had to hazard a guess, then the reason

16/03/2 could be food stamps will decrease the
023 Q surend Why doesnot India issue food stamps opportunity for corruptions through PDS
23:58:2 02 er1152- for social security like usa,instead of shops so corrupt politicians may resist the
2 2 7583 DBT and PDS? reform.
Sir i have filled the epfo form how
17/03/2 should I start preparation of all the
023 Q subject including accounting principles go through this video of EPFO topper
07:12:1 02 Janvi for epfo it is somehow different than https://www.youtube.com/watch?v=GdXrA
1 3 gupta upsc cse please guide me UgVqdI
17/03/2 Question no.4 regarding Consol bonds.
023 Q A and R : Investor is "not given no seems typing mistake.
11:34:2 02 Anusha interest" implies investor is given it should be "Investor is not given interest
3 4 Anver interest. on the Consol Bond." = wrong statement.
Sir! I'm facing problem in addiction of
video lectures! Like I'm not able to give
more time to books I'm giving more
time to unacademy classes ! I watch 3
classes a day (6-7hours) and barely 1 https://www.youtube.com/watch?v=OHwh
hour for notes and books! Sir I just U73P5Sw
17/03/2 want to know that is it safe for me ? Or - here is the timestamp to find your
023 Q is a bad addiction of video lectures! My answer

😞
13:56:4 02 Abdulla attempt is in 2025 ! Sir I really need - 00:00 to 16:00 Learner Q03 to Q45
5 5 Shaikh your help - 16:00 onwardsLearner Q46 to till end
 11

1) Download the monthly magazine from

https://unacademy.com/content/upsc/dow
nloads/

2) How to divide time/attention between

theory and current of a given subject?

Ans.
https://www.youtube.com/watch?v=_kyUH
tjAt0A

3) Bonus:
Download the topic wise Mains question
papers from
17/03/2
023 Q Palak https://unacademy.com/content/upsc/dow
16:15:3 02 Chauha Sir apki articulate current affairs nload/upsc-mains-previous-years-topicwis
5 6 n magazine kha se download kare e-papers/?665855855
Sir your handout says -
Privatization/Divestment/StrategicDisin
vestment(�नजीकरण/रणनी�तक�व�न
वेश):Reducingthe government
shareholding below 50%

And gov website and unacademy

magazine - Strategic disinvestment
would imply the sale of substantial
portion of the Government
shareholding of a central public sector
enterprise (CPSE) of upto 50%, or
such higher percentage as the
competent authority may determine,
along with transfer of management
control.

Website link -
https://dipam.gov.in/strategic-disinvest
17/03/2 ment#:~:text=Strategic%20disinvestme
023 Q nt%20would%20imply%20the,with%20
16:37:3 02 Navish transfer%20of%20management%20co
6 7 Arora ntrol. will look and fix in pillar2D: disinvestment

17/03/2 Q Can Central gov giv direction to RBI, https://www.youtube.com/watch?v=OHwh

023 02 as PYQ of 2021 said NO, but sec 7(2) U73P5Sw
16:44:2 8 Yash of RBI act says if RBI doesn't response - here is the timestamp to find your
 12

8 positively then RBI abide to implement answer

directions. - 00:00 to 16:00 Learner Q03 to Q45
- 16:00 onwardsLearner Q46 to till end
Sir I selected Sociology as optional,
17/03/2 but there is no test series on
023 Q unacademy what to do, as I have
19:29:2 02 optional subscription, and few
9 9 Ammit sociology educator. will ask the management to look into this.
last Thursday mere papa ka accident
ho gya h, right shoulder tut gaya h or
rib cage crack ho gaya h...exam aane https://www.youtube.com/watch?v=OHwh
wali h aur meri padhai bhi puri ni hui h U73P5Sw
18/03/2 is situation me mujhe kuch samajh ni - here is the timestamp to find your
023 Q Priyank aa r h ki mai kya karu..pls help me sir answer
06:48:5 03 aSa mai is time kaise sab manage karu - 00:00 to 16:00 Learner Q03 to Q45
8 0 S.N ,mai mere papa ke saath hi rehti hu.. - 16:00 onwardsLearner Q46 to till end
Sir I’m Attending your pcb9 RAFTAAR
lectures ……do I have to attend any
18/03/2 win series before 2023 this years
023 Q prelim …..also what else should I do
11:01:1 03 Aditya for economy I’m watching your lectures no need to sit in win23. it's for old batch
7 1 Negi and reading handout students
18/03/2
023 Q sir, 1.IBC me jo nilami hoti hai after
14:30:5 03 making proposal kya wo SARFAESI se
2 2 neha hoti hai? no. woh ibc ke andar hi ho jaati hai.

Hlo Sir, sir muj apse y puchna h mne
last month s preparation krna shuru kia
h economics s hi shuru kia h sbse phle
tb apka pcb 8 chal rha tha or m abi vhi
kr rhi hu half complete ho gya hai sir
jitna pda h usm se objective qus solv
ho jate h 50%. But muj bar bar pdte
vaqt ek hi bat mind m ati h answer
writing s related vo muj bilkul nhi ati abi
but vo sb sbi subject k basic s phle nhi
skta but muj tension hoti h jada ans
writing k bare m kuch idea nhi h or
unacademy vale 1% b guide nhi krte jb
b call krte h bs yhi bolte reference bta
do ya y bolte iconic loge tohi extra
kuch btaynge this is not fair . Muj 2024
18/03/2 ka attempt ache s dena h sir ans
023 Q Bhawn writing essay writing in sb k bare m
21:29:2 03 a bilkul idea nhi h . Mera background
9 3 Sukhija civil engineering hai.
13
What to do about Mains answer writing
A good answer writing requires command
over the content and vocabulary, which in
turn requires following prerequisites:
1. Complete the syllabus of prelims and
mains
2. Minimum 2 to 3 times revision with
adequate spacing between
3. 4 to 6 months newspaper reading
4. NCERT 11-12 Socio, Pol.Sci,
5. NCERT 11 Eco Development
6. Brainstorming last 3 to 5 years papers’/
seeing model answers.
If you read about nanotechnology
applications today and then write an
answer on “what are the applications of
nanotechnology” = that I do not count as
“bahaaduri/real answer writing.” Because
that is merely listing out 5-7 easy facts.
You may not get such opportunity or such
easy questions in the real examination.
more
Explained at Timestamp 27:42 minute
onwards in this lecture
https://unacademy.com/course/planner-for
-2023-prelims-and-mains-136/DRN0ZLHX
Thus, First priority should be to complete
the syllabus, read auxillary books such as
NCERT 11-12 socio/polsci etc.
Otherwise, just for peer pressure/fomo
(fear of missing out) feeling if candidate is
directly giving the mains test, then
following types of blunders happen:
https://www.youtube.com/playlist?list=PLS
VABdpsEegmr5DcwHDvQANhnlA4o-diU
more resources (but to understand the
depth of discussion in the following
resources, first you've complete the whole
 14

syllabus)

1) UPSC Mains-2022 Model Answer:

https://www.youtube.com/playlist?list=PLw
YR7WJw1-QWw2l-GA5DVW0EThFRkOR
f8

2) Mains QEP:
https://unacademy.com/course/mains-eco
nomy-revision-quality-improvement-progra
m-qep/H6N2TJ6H

respected sir
my personal request with you
my one doubt please clear
I have resigned from my job after 10
year and I have to give attempted in
https://u 2025 and now my age is 32. will I have https://www.youtube.com/watch?v=OHwh
nacade any gap and age related problem face U73P5Sw
18/03/2 my.com in the interview. because I have - here is the timestamp to find your
023 Q /@Vino pursuing my graduation from IGNOU answer
22:18:0 03 dkumar after 10 years, now in 2nd year then I - 00:00 to 16:00 Learner Q03 to Q45
6 4 -4094 belong in SC - 16:00 onwardsLearner Q46 to till end
18/03/2 18/03/2023 10:25 PM
023 Q
22:25:1 03 NOUFA SIR IS DIVIDENT DISTRIBUTION TAX
8 5 N IS ALSO CAPITAL GAINS TAX ??? no. both things are separate.
18/03/2 सर आपके पास कौनसी स्टोपबॉच है ?? यह
023 Q Bhupen कोई महत्वपर्ण
ू प्रश्न नहीं है लेकिन आपकी
स्टॉपवॉच का सिस्टम अच्छा लगता है मझ ु .े .
🙏
22:48:5 03 dra amazon pe lot of cheap varieties
3 6 Sharma कृपया बता दीजिएगा available. koi bhi lelo.
18/03/2
023 Q Sir do I have solve pyq beyond the
23:09:5 03 Sakshig ones provided in the handout ?...or for economy pyqs : handout will suffice.
6 7 aikwad they would suffice contains all of them.

The basics of income tax NTR/OTR is

sufficiently explained in the video lecture
for UPSC exam Point of view.

Beyond that, whether it is useful in X

Hallo Sir, for the rich, NTR is good,
18/03/2 however, for the middle class whose
023 Q Mekaye income is more than 7 lakhs but less
23:24:0 03 el than 15-20 lakhs, is it beneficial for
8 8 Hasan them too, without deductions?
situation or y situation = real life question.
Not important for exam, but you can
satisfy your curiosity by putting a
hypothetical numbers in the income tax
 15

calculator that is given In the

https://cleartax.in/paytax/TaxCalculator
The SVB bank collapsed when the
mortgage backed securities it had
invested in were rendered worthless as
18/03/2 the Fed increased the interest rate very
023 Q rapidly. Is this an example of ES23's
23:24:1 03 rishabh. argument that hard landing is bad for
9 9 dev economy? birbal khichdi.
Sir, I am preparing for UPSC by myself
from the age of 17, then I took
subscription on Unacademy, my
question was that 1. I am not able to
revise the subject which I have
completed and start the subject which I
want to start, I face difficulty in doing
both together, I want to study only one
subject, so keep revising. Cannot start
subject. 2.According to my date of
birth, my 2025 attempt is made, my
question was sir, I am a little worried
about the optional subject, I am not
able to choose yet, and my first
thought was to take PSIR, due to https://www.youtube.com/watch?v=OHwh
which my M.A. I am in first year U73P5Sw
19/03/2 political science subject. And sir I still - here is the timestamp to find your
023 Q don't feel confident that I have to answer
07:01:2 04 consider PSIR subject as my optional - 00:00 to 16:00 Learner Q03 to Q45
5 0 Kabir subject. thank you sir g - 16:00 onwardsLearner Q46 to till end
When revenue forgone/ tax
expenditure done is done by
government does that not result in
increase in inflation?
And all the burden of keeping inflation
between 2-6% is on RBI's monetary
19/03/2 policy but such stunts of New tax
023 Q kamalbi regime by the government results in If you apply this logic in the prelims or
11:04:4 04 shnoi-9 increase in inflation, is this analogy Mains question it'll amount to birbal
8 1 018 correct? khichdi, and u'll arrive at wrong answer.
19/03/2
023 Q
13:45:5 04 Prachi
3 2 Bharti Doubt plz ask

19/03/2 Q unacad Difference between financial and https://twitter.com/mrunal_patel/status/163

023 04 emy-us non-financial debt 8766885490642944?s=61&t=Ne6pBB6_u
 16

15:48:3 3 er-M92 31GjoBc8PSoPw

2 VOYY6
RVSB
Hlw sir , sir hum exam 2024 me dene
wale hai to iss class ko dekh rahe hai
to sir fir se kabhi kuch dekhna nhi na
parega pre ke liye . 2. Sir aap bole ki
notes nhi banane ke liye bs aapka
19/03/2 handout PRintout kar ke padhe . 3. sir
023 Q hum class 18 march se dekhna start
15:56:3 04 Ravi kiye hai or suru se bhi dekh rahe hai
7 4 Singh thik hoga na aise .
SIR ek doubt tha ki ap har
goverenment scheme ya reform ho
19/03/2 bare me mostly positive bta te ho, does
023 Q it mean hame mains me govt. related
18:16:5 04 govind works/reform/scheme ke bare me
8 5 bhora positive likha hoga
unacad
19/03/2 emy-us
023 Q er-M92
19:02:5 04 VOYY6
6 6 RVSB Who regulate retail direct gilt account
Good evening sir.I Know the question i
am going to ask is trivial one . Actually
sir i am appearing for upsc in 2024 and
i have finished geography ,will finish
polity and eco in may ,but most of the
time i feel anxious that i have very less
19/03/2 time . It is kind of distrubing and
023 Q because of this i m not able to study
19:52:1 04 Shabna well . could you please throw some
6 7 m light on this.
1) no need to make notes. handout itself
is note. remaing things answered in this
video
https://www.youtube.com/watch?v=OHwh
U73P5Sw
- here is the timestamp to find your
answer
- 00:00 to 16:00 Learner Q03 to Q45
- 16:00 onwards Learner Q46 to till end"
https://www.youtube.com/watch?v=OHwh
U73P5Sw
- here is the timestamp to find your
answer
- 00:00 to 16:00 Learner Q03 to Q45
- 16:00 onwardsLearner Q46 to till end
RBI itself.
https://www.youtube.com/watch?v=OHwh
U73P5Sw
- here is the timestamp to find your
answer
- 00:00 to 16:00 Learner Q03 to Q45
- 16:00 onwardsLearner Q46 to till end
 17

Economy quiz- poor score

Watch this Video for reasons behind poor
score in quiz:
https://www.loom.com/share/c86d3597b8
e144d5a5163910dbdcf2a4

● It takes 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
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 photo frame.
○ 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, love affairs & breakups.
so person is reading the handout / MCQ
but he/she's not absorbing it properly.
● I am sure you will do well. Just
focus on the lecture, revise the handouts
Mere ko mock test mei problem a rhi h and give the weekly Tests in regular
concept smj bhi a jata h but then fashion and rectify mistakes.
answer k time pe relate nhi kr pati hu ● When the first four pillars are over
19/03/2 things ko shi answer pta hone ke badh you will automatically see the big picture
023 Q bhi nhi results positive a rha nd bilkul how everything fits together in the whole
21:47:1 04 Aman bhi confidence nhi bn pa rha economy syllabus.
9 8 Sharma mein and i m from science background
19/03/2
023 Q
21:48:3 04 Aman In weekly test laptop pe kuch questions
0 9 Sharma ki last options nhi appear hoti will ask tech-team to look into this.
 18

Unfortunately, certain members of the

content team left to join another company
and now the process of recruiting and
training the new members is taking lot of
time. So even the December month
current affairs magazine is delayed till
amost 20th jan and then jan magazine
delayed till 15th feb.....so presently things
are not moving in the way I had expected.
and existing commitments in updating the
This is to ask whether there will be a 2 handout for ongoing course with budget
year Current Affairs compilation of and 500 page ka eocnomic survey and
Unacademy by you as you mentioned then Win23 series for past students and
in Dec. 2022? If yes, when will it mock interviews for UPSC mains-2022
19/03/2 be?Sir, I have attended your PCB7 passed canddiates etc. have/will eat away
023 Q course. And I'm really grateful for the lot of time. So, I am not a liberty to say /
23:09:1 05 Mani quality and clarity with which you promise much about this 2 years current
9 0 Karan teach! project. inconvenience regretted.
Sir I am working professional getting
confuse between who regulates whom
as there are n number of regulatories,
also being a working professional not
having sufficient time to revise, and
19/03/2 even if revise it is very confusing,]. Can
023 Q u pls do help can we get a short can
23:10:0 05 crisp summary in a single page for who given in pillar:1B1 handout and video
8 1 SP regulates whom lecture
https://u
nacade sir, if someone's taxable income is 9
my.com lakh so does he have to pay both
/@unac slab's income tax of NTR ? means for
20/03/2 ademy- first 6 lakh rupees he have to pay 5%
023 Q user-L9 IT and for rest 3 lakh he have to pay
02:30:1 05 P8BAN 10%?? OR he will pay 10% for the it'll be the same "fill up" the bucket
0 2 VRYPX whole 9 lakh rupees?? concept like OTR. refer to video lecture
Respected sir,
I just only your video lectures Raftaar
and only understand your handouts,
and after that I try to memorize or do
rote learning/ mugging up of handouts, Economy booklist/ which books do in
don't follow any other source no need to read?
current affairs no other books no
newspaper or any kind of notes for Explained at TIMESTAMP 01:02:00
20/03/2 economy just rely on your notes. minute onwards:
023 Q Also I don't watch your current affairs https://unacademy.com/class/economy-int
09:32:0 05 Junaid YouTube video. roduction-faq-about-course-and-1a1-mon
4 3 Q Sir am I on right track or should I ey-vs-barter/WCK0CK0T
 19

update myself in any aspect.

Thank you.
I do not have expertise on the subject. I
would advise you to go through the
Medical notification given in the following
PDF file and then accordingly show it to
the local doctor/civil surgeon for the
certificate or advisory.

page number 130 onwards in this.

Sir, Type 1 diabetic candidate eligible https://www.upsconline.nic.in/daf/daf_csm
20/03/2 or not for UPSC CSE? Plz elaborate _2020/eGazette_CSM_Engl.pdf
023 Q regarding the posts one is eligible for. (
11:15:2 05 Muskan I m insulin dependent nd nt ve any if disease mentioned for rejection = then
6 4 Mishra other complications as such ) need to worry, else no need to worry.
not imp for exam point of view after seeing
20/03/2 PYQ. you may contact my Teaching
023 Q Sir old student, can you please explain assistant Mustafa Ali in his live class to
11:30:0 05 @erafr difference between gross fiscal deficit ask all doubts related to economy
5 5 een18 and fiscal deficit ? https://unacademy.com/@mustafa.ali
https://www.youtube.com/watch?v=OHwh
Hello sir, U73P5Sw
20/03/2 - here is the timestamp to find your
023 Q I have my birthday on the 24th march. I answer
11:35:5 05 just need your blessings sir since you - 00:00 to 16:00 Learner Q03 to Q45
5 6 Namani are my favorite faculty. Thanks sir - 16:00 onwardsLearner Q46 to till end
https://www.youtube.com/watch?v=OHwh
U73P5Sw
20/03/2 - here is the timestamp to find your
023 Q sir, the economy which you are answer
11:54:0 05 Manshi teaching is also enough for UPSC - 00:00 to 16:00 Learner Q03 to Q45
1 7 Joshi CAPF exam 2023 ? - 16:00 onwardsLearner Q46 to till end
20/03/2 SUNAN
023 Q DA
16:30:4 05 MOND Sir, for prelims 2023, up to which
2 8 AL month I should study current affairs? ideally 1/1/2021 onwards
Sir aapki teaching bhut hi achi hai
mujhe ache se economy smjh bhi aa
gyi hai sirf ek request hai plize sir
public administration ka batch le lijeye
plus par koi teacher nhi hai aapke jaisa
plize aap mna mt karna it's humble
20/03/2 request main janta hun aap bhut jyada
023 Q bussy ho par phir bhi sirf ek batch to le Thank you for your wishes but presently
18:43:2 05 hi sakte ho plize sir ye meri aapse Dil the schedule is very tight to develop
1 9 Nitish se prathna hai content for this.
 20

in that case
three things

1) live economy for prelims

https://unacademy.com/course/mrunals-ec
onomy-course-for-upsc-prelims-2023-754/
6ZPQTB6O

then
2) live microeconomics
Hello sir , I am going to start watching https://unacademy.com/course/mrunals-mi
your PCB 9 lectures which has croeconomics-for-upsc-prelims-2023-rafta
commenced from feb 16, my doubt is - ar-fasttrack-edition/XR7DPX8N
my subscription will end on 8th june
2023 and my attempt will be in 2024, then
as this batch covers only the prelims 3) recorded Mains QEP-2022 from last
portion and not mains, should i watch year (2022)
20/03/2 Abhilas this course or not, please help me with https://unacademy.com/course/mains-eco
023 Q ha this because i can't afford to renew my nomy-revision-quality-improvement-progra
19:13:4 06 Deshm subscription again after june 2023 for m-qep/H6N2TJ6H
9 0 ukh mains course
students sitting sitting in my PCB9 (Feb to
May-2024) then don't need to sit in Win23.
Win23 meant for previous batches
students to give them free updates
more explained in this loom video:
https://www.loom.com/share/2c919cb3200
a45f1b690237ca062ed02

here is the link to PCB9-RAFTAAR Batch

20/03/2
023 Q Do we have to watch the win series for
21:28:2 06 Ananya economy current affairs or will it be
5 1 Sharma covered in Raftaar course?
Sir I have complained about non
availability of geography optional
educator and you replied to me that
you will tell it to the management but
nobody since has taken any concern to
20/03/2 it. I haven't received any mail,
023 Q message or any call from team. You
21:39:1 06 Aancha are my last hope sir. It will be very
3 2 l helpful if you will take report on this.
20/03/2 Hlw, sir, my question is about the
023 Q remember of the year. sir, it is
22:12:5 06 Ashish necessary to remember the year,
5 3 BAghel especially the Budget year. For
targeting Prelims-2023:
https://unacademy.com/course/mrunals-ec
onomy-course-for-upsc-prelims-2023-754/
6ZPQTB6O
i had forwarded the matter to
management. i was told that
Some teachers from ShriramIas Institute
of Delhi have joined unacademy recently.
the launch event was conducted
yesterday. So there will be fresh live
courses on optional subject launched by
them. when exactly? course launch dates
will be finalized in a few days.
https://www.youtube.com/watch?v=OHwh
U73P5Sw
- here is the timestamp to find your
answer
 21

Example, which step was taken of - 00:00 to 16:00 Learner Q03 to Q45
which budget and which body replace - 16:00 onwardsLearner Q46 to till end
another in which year like custom duty
replaced by the CBIC? SIR plz clear
me this
Good afternoon sir , I am a student of
your pcb 9 raftaar and glad to be the
one but i am unable to read your pcb 9
handouts on phone countinuesly
because it's increasing my screen time
.
So I queried about your notes in
market and got to know that only pcb 7
or pcb 8 handouts are available in
printed form ........so sir I want to know
that( as per prelims 2023 is concerned
21/03/2 )should I take pcb 7 printed handout or
023 Q pcb 8 printed handout As I am not
14:26:5 06 Sangee having the option to get printed the pcb
1 4 ta 9 handout . pcb8 more suitable in that case
https://www.youtube.com/watch?v=OHwh
U73P5Sw

🙏🙏 🙏
21/03/2 - here is the timestamp to find your
023 Q Pranam sir charansparsh answer
15:04:3 06 Q- In advance tax , what if the - 00:00 to 16:00 Learner Q03 to Q45
4 5 JEET company makes profit? - 16:00 onwardsLearner Q46 to till end
just breakdown the words
convertible = they'll convert from bond to
share.
contingent = during some special type of
emergency.

The instrument is similar to AT1 Bonds.

gets in news due to bank crisis in america.

Beyond that, I will not lose sleep or raise
my blood pressure over it for the
21/03/2 SUNAN timebeing, until it repeatedly grabs
023 Q DA newspaper headlines.
21:29:4 06 MOND sir, what is contingent convertible
7 6 AL bond?
Sir, I am preparing for a 2024 attempt https://www.youtube.com/watch?v=OHwh
22/03/2 and have been attending this lecture U73P5Sw
023 Q series since mid-March. Should I cover - here is the timestamp to find your
00:14:5 06 Urmila the first lecture series or can I attend answer
9 7 Palwal live classes as well? - 00:00 to 16:00 Learner Q03 to Q45
 22

- 16:00 onwardsLearner Q46 to till end

Upsc is Worlds toughest exam 99.9 %
Students can't crack upsc it's like
fighting a losing battle even I am
preparing I completed All GS but
economy ke mcq main problem hoti hai
Mains ke question me ans nhi achhe
likh pata ek cheez cover kro to doosra
choot jata hai plan-B explained in last lecture of this
22/03/2 course in the last 10-15 minutes
023 Q Well prepare ke like future planning for https://unacademy.com/course/mrunals-ec
11:30:1 06 Masoo option B kya rakhen aur kya kren plz onomy-course-for-upsc-prelims-mains-20
7 8 m Raza ans sit 23/M9WQ6SDA
22/03/2 In dividend distribution tax - before
023 Q 2020 do company had to pay corporate That much Chartered Accountant level
14:11:3 06 Arnav tax an DDT separately or only DDT information = poor cost:benefit for the
6 9 verma was only paid by company ? scope of our exam after observing PYQ
Sir i hv chosen economics as my
optional and completed paper 1 but
could not understand paper 2 from
optional batch so I started indian
22/03/2 economy from ur recorded classes. Pls unable to comment on economics optional
023 Q Simranj Sir guide me which additional topics subject. better ask this question to
20:34:0 07 eet should I cover for paper 2 after economics optional teacher / or go thru
8 0 Kaur completing indian economy . toppers strategies on internet
 23

Download Topic Wise Mains Papers for Free

URL:
https://unacademy.com/content/upsc/download/upsc-mains-previous-years-topicwise-pa
pers/?665855855
 24

Strategy, Booklist Notes Making, Current Affairs, CSAT for UPSC

Watch this class fully:

https://unacademy.com/course/planner-for-2023-prelims-and-mains-136/DRN0ZLHX
 25

Current Affairs how to manage

In above screenshot observe timestamp at bottom playbar. See the video here
https://unacademy.com/course/planner-for-2023-prelims-and-mains-136/DRN0ZLHX

Time management
 26

In above screenshot observe timestamp at bottom playbar. See the video here
https://unacademy.com/course/planner-for-2023-prelims-and-mains-136/DRN0ZLHX

Test Series for Prelims- when to join/start

In above screenshot observe timestamp at bottom playbar. See the video here
https://unacademy.com/course/planner-for-2023-prelims-and-mains-136/DRN0ZLHX
 27

Optional Subject Selection

How to shortlist optional subject given at timestamp 02 hours 07 minute onwards In this
lecture
https://unacademy.com/course/planner-for-2023-prelims-and-mains-136/DRN0ZLHX

Notes making ke FAQ

 28

In above screenshot observe timestamp at bottom playbar. See the video here
https://unacademy.com/course/planner-for-2023-prelims-and-mains-136/DRN0ZLHX

How to improve accuracy in Prelims/ 50:50 elimination not

working

In above screenshot observe timestamp at bottom playbar. See the video here
https://unacademy.com/course/planner-for-2023-prelims-and-mains-136/DRN0ZLHX
 29

Test Series: Mains Answer writing when to start

Timestamp 27:42 minute onwards in this lecture

https://unacademy.com/course/planner-for-2023-prelims-and-mains-136/DRN0ZLHX
 30

How to get my Mains-answers evaluated without paying extra

In above screenshot observe timestamp at bottom playbar. See the video here
https://unacademy.com/course/planner-for-2023-prelims-and-mains-136/DRN0ZLHX
 31

Essay writing when to start

Watch this video

https://youtu.be/nMBn0lAenKA

And then this video

https://youtu.be/7Af8fQuawEc
 32

Career backup / Plan-B

In above screenshot observe timestamp at bottom playbar. See the video here
https://unacademy.com/course/planner-for-2023-prelims-and-mains-136/DRN0ZLHX

Economy Course Kaun sa dekhu?

Month Year Course Name Prelim Economy Mains Prelims
Microeconomics
Economy

2022-Jul-Sept Mains QEP1 ✋ ✅ ✋

2022: Jun-Oct PCB7 ✅ ✅ ✅
2022: Nov-Feb PCB8-RAFTAAR ✅ ✋ ✋
2023: Feb-May PCB9-RAFTAAR ✅ ✋ ✋
2023: May Microeconomics ✋ ✋ ✅
2023: June-Aug Mains-QEP2 ✋ ✅ ✋
 33

“RAFTAAR” TAG MEANS

Þ Only HARDCORE UPSC-Prelims oriented preparation.

Þ PhD intellectualism will neither be taught, nor I’ll entertain such questions from students.

Þ If I do not teach a topic, it means it is either

Þ Topic Not important for exam – because 1) technical/BizGK 2) ball by ball commentary 3) PHD 4)
Outdated for 2023 5) out of fashion in latest exam trend

Þ Topic Maybe little bit important, but poor cost benefit in terms of amount of time invested to learn it versus
the probability of getting asked in real Prelims.

Þ Topic Maybe important for Mains but not for prelims

Þ Topic is still in the nascent / developing stage, and I’m waiting for the next budget and economic survey or
govt / parliament / courts to give the final verdict about it.

Old Batch Student: shd I sit here in PCB9-RAFTAAR?

No need to sit again. simply come in free series Win23 in feb-2023 to get updates on
budget/economic survey and other Current affairs in economy etc.

Target 2024 / 2025: Shd I sit here?

- Target 2024: yes sit

- Target 2025: ideally come from or after Feb-2024 ke courses which more updated. But if
subscription expiring sooner then sit here.
 34

In above screenshot observe timestamp at bottom playbar. See the video here
https://unacademy.com/class/economy-intro-faq-about-course-1a1-money-vs-barter/NG6XEAKZ
 35

Which books do I have to read for economy?

In above screenshot observe timestamp at bottom playbar. See the video here
https://unacademy.com/class/economy-intro-faq-about-course-1a1-money-vs-barter/NG6XEAKZ

Economy Handout specific doubts

Difference between handout and PowerPoint

36
 37

🚨Download Handout from Mobile App

If you are using Unacademy learner app then book mark my profile page
https://unacademy.com/@mrunal.org
Then on community tab → my profile → scrollup → you will be able to see the notes I have
uploaded by scrolling up

If problem persists contact help@unacademy.com

 38

🚨Download handout from laptop/desktop

Here is the link to Mrunal's

PCB9-RAFTAAR Batch targeting Prelims-2023:

🔖
https://unacademy.com/course/mrunals-economy-course-for-upsc-prelims-2023-754/6ZPQTB6
O ( discount Code: 'Mrunal.org')

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.

💡If using mobile app then maybe the interface different. within the mobile phone download
Chrome browser → open the website in it → in the settings button click on "Show desktop
version".
 39

Hindi medium में परू ा हैंडआउट चाहिए मज

ू े
● It’s not possible for me to translate entire handout in hindi due to time and manpower
constrains.
● So only important term’s hindi translation given for Mains.
● 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)
● You may also read Unacademy learner dashboard→Notes 2.0→ Economy -> hindi notes for
more.

Old Batch Student shd I take printout again for PCB9-RAFTAAR?

No need. simply come in the free series Win23 in feb-2023 to get updates on budget/economic
survey and other Current affairs in economy etc.

Correction: Economy Handout

You can use free software Foxit PDF to add textnote to do correction

pillar Page number Correction

Correction: Economy Weekly Quiz on Wednesday

Test Q No final correct Answer

pillar/date
8 March Q37 ● Primary dealers, MF walla do it. So
Pillar1B1,1b2 #1 is wrong
● NBFC can accept Time deposit =
yes. But they cannot accept demand
deposit. So #2 is right.
● So answer should be “B” only 2
Correct.
 40

8 March Q47 Who can issue credit card= ONLY 3 of

Pillar1B1,1b2 them. Ans C:
1. Small Finance Banks/लघु वित्त बैंक =
YES
2. Payments Banks/भग ु तान बैंक = NO
3. Regional Rural Banks/क्षेत्रीय ग्रामीण
बैंक = YES
4. Foreign Banks with branches in
India/भारत में शाखाओं वाले विदे शी बैंक =
YES
thus, Who can issue credit card= ONLY 3
of them. Ans C:
8 March Q60 Statement#1: FSIB setup in 2022 =
Pillar1B1,1b2 correct.
Statement#2 as : FSIB will recommend
candidates for top posts in public sector
banks, public sector insurance companies
and other public sector financial
institutions = correct.

Then Answer should be C: Both 1 and 2

right.

(Content writer did not set 2nd statement

properly. I've changed it.)
 41

Economy quiz- poor score

Watch this Video for reasons behind poor score in quiz:
https://www.loom.com/share/c86d3597b8e144d5a5163910dbdcf2a4

● It takes 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 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 photo frame.
○ c) Not reading the words carefully
 42

○ 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,
love affairs & breakups. so person is reading the handout / MCQ 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.