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GK BOOSTER CAPSULE – NOVEMBER

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Table of Contents

1. Banks in NEWS ............................................................................................................................................. 4

2. Digital Initiatives by Banks ............................................................................................................................ 5

3. Mergers in Indian Banking Industry ............................................................................................................... 8

4. Indian Currency Notes .................................................................................................................................. 9

5. Currency Printing & Coin Minting in India.................................................................................................... 10

6. Types of Banking......................................................................................................................................... 10

7. Digital Banking ............................................................................................................................................ 12

9. Monetary Policies ....................................................................................................................................... 14

10. Important Acts ......................................................................................................................................... 14

11. Important Financial Institutions ............................................................................................................... 15

12. NBFCs ..................................................................................................................................................... 18

13. Electoral Bonds ......................................................................................................................................... 19

14. Electronic Fund Transfer at Point of Sale ................................................................................................... 19

15. Priority Sector Lending .............................................................................................................................. 19

16. KYC ........................................................................................................................................................... 20

17. NPA and Recovery .................................................................................................................................... 20

18. Financial Inclusion .................................................................................................................................... 21

19. Banking Ombudsman Scheme ................................................................................................................... 22

20. Abbreviations ........................................................................................................................................... 23

21. Capital Market .......................................................................................................................................... 23

22. Money Market .......................................................................................................................................... 25

23. Basel Norms ............................................................................................................................................. 26

24. Maharatna, Navratna & Miniratna Category of PSEs ................................................................................. 26

25. List of International Airports in India ......................................................................................................... 27

26. List of Revolutions in India ........................................................................................................................ 29

27. Indian & International Bank Taglines ......................................................................................................... 29

28. Union Cabinet Ministers & their Constituency ........................................................................................... 30

29. Census 2011 ............................................................................................................................................. 31

30. Rivers, Dams & States ............................................................................................................................... 32

31. List of Major Ports in India ........................................................................................................................ 33

32. Major Atomic/Thermal/Hydro Power Plants.............................................................................................. 34

33. List of Upcoming Sports Venues ................................................................................................................ 35

34. List of New Appointments ......................................................................................................................... 37

35. National Parks & Wildlife Sanctuaries ........................................................................................................ 38

36. Important Days ......................................................................................................................................... 40


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37. Joint Military Exercises .............................................................................................................................. 41

38. Reports & Indices...................................................................................................................................... 42

39. Classical Folk Dances ................................................................................................................................. 42

40. Stock Exchanges Around the World ........................................................................................................... 43

41. Nick Names of Cities ................................................................................................................................ 43

42. International Organisations & Headquarters ............................................................................................. 44

43. Famous Temples ...................................................................................................................................... 44

44. Stadiums in India ...................................................................................................................................... 45

45. Boundary Lines ........................................................................................................................................ 45

46. Books & Authors ...................................................................................................................................... 46

47. Nobel Prize Winners 2018 ....................................................................................................................... 47

48. UNESCO World Heritage Site .................................................................................................................... 47


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1. Banks in NEWS

ICICI Bank • ICICI Bank terminated the contract of

former managing director and CEO Chanda Kochhar for violating the bank’s code of conduct. Ms. Kochhar, assumed charge as MD and CEO of ICICI Bank on May 1, 2009 and resigned in October 2018.

• ICICI Securities and Bombay Stock Exchange (BSE) has launched 'eATM' facility to enable users to receive the pay-out within 30 minutes of selling the shares. The new service would have a cap of ₹50,000 per client a day and would be applicable on about 600 stocks listed on the BSE

ESAF Small Finance Bank Ltd • ESAF is now ‘scheduled bank’ ESAF Small

Finance Bank Ltd has received the RBI’s approval for inclusion in the second schedule of the RBI Act, 1934.

Chairman - R Prabha Headquarters - Thrissur, Kerala. Reserve Bank of India • The Reserve Bank of India (RBI) relaxed the

restrictions placed on the City Co-operative Bank Ltd. by allowing the depositors to withdraw ₹5,000.

City Co-operative Bank Ltd. Chairman - Anandrao Adsul Headquarters – Mumbai • The Reserve Bank of India launched a

'Survey on Retail Payment Habits of Individuals (SRPHi)' on 26 December 2018. The survey will be conducted in Delhi, Mumbai, Kolkata, Chennai, Bengaluru, and Guwahati.

• RBI has shortlisted TCS, Wipro, IBM India, Capgemini Technology Services India, Dun & Bradstreet Information Services India, and Mindtree Ltd. to set up a digital Public Credit Registry (PCR).

• RBI has set up a six-member 'Economic Capital framework' Committee headed by former RBI Governor Bimal Jalan along with members Subash Chandra Garg, Economic Affairs Secretary, N.S. Vishwanathan, RBI Deputy Governor and two board members of the RBI.

• RBI has tweaked the Gold Monetisation Scheme and now it has been extended to charitable institutions, Central Government, State Government or any other entity owned by the Government.

• RBI to cut SLR gradually to 18% by mid-2019. The current SLR is 19.5%.

SLR is the portion of funds which banks are required to maintain in the form of gold reserves and the government approved securities.

Punjab National Bank (PNB) • PNB has partnered with the Uttar Pradesh

government to create a model for digitization at Kumbh Mela 2019. For convenient and hassle-free transactions at these shops, the bank has created the 'PNB Rupay' card which works even without the internet.

• PNB has signed an MoU with Indian Army on the Defence Salary Package to provide free ‘RAKSHAK PLUS’ Scheme. PNB will provide overdraft facility range from Rs 0.75 to 3.0 lakhs, multicity ‘At Par’ cheques, instant credit of outstation cheques, preferential allotment of lockers at concessional AMC and free SMS alerts.

IDFC First Bank • IDFC Bank has been merged with NBFC

'Capital First' on 18 December 2018. Now it will be known as 'Capital First'.

MD & CEO - V. Vaidyanathan Part-time Chairman - Rajiv Lall India Post Bank • India Post Payments Bank has launched

internet banking services for all the Post Office Savings Bank (POSB) account holders on 14 December 2018.

Indian Bank • Indian Bank was imposed a fine of Rs 1

crore on for violating cybersecurity norms on 11 December 2018 by RBI.

IndusInd Bank


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• IndusInd Bank’s Romesh Sobti, MD & CEO has been selected as the Business Standard Banker of the Year for 2017-18. He received this award earlier in 2013-14.

• IndusInd Bank’s Romesh Sobti, MD & CEO has been selected as the ‘Business Standard Banker’ of the Year for 2017-18. He received this award earlier in 2013-14.

YES Bank • Yes Bank has partnered with Government of

Maharashtra to empower more than 20,000 ration shops i.e. e-PDS which can offer last mile basic banking services to more than seven lakh beneficiaries.

Bank of Maharashtra • BoM has been imposed an Rs 1-crore fine by

RBI for non-compliance of 'Know Your Customer' guidelines and fraud-classification norms.

State Bank of India • SBI will cease to be EPFO fund manager for

retirement fund by the end of March 2019. As to RBI rules, a bank cannot function as an asset management company.

Currently, SBI, ICICI Securities Primary Dealership, Reliance Capital, HSBC AMC and UTI AMC are fund managers of the EPFO.

• SBI Life has signed a bancassurance pact

with Allahabad Bank on 31 December 2018

to sell SBI Life Insurance products through various branches of Allahabad Bank.

• Bancassurance is an arrangement through which an insurance company can sell its products through a bank.

SBI Life Insurance CEO & MD - Sanjeev Nautiyal

• The State Bank of India’s UK chief Mr. Sanjiv

Chadha has been honoured with the

‘Freedom of the City Of London’ by the city of London Corporation in recognition of his

contribution to promoting the bilateral

relations.

• Pt. Jawaharlal Nehru was the previous

Indian recipient of this award and other recipient includes author JK Rowling and

actor Dame Judi Dench.

Samruddhi Corridor Nagpur-Mumbai 'Samruddhi Corridor' expressway project to be financed by PNB, LIC, BoB, Bank of Maharashtra led by SBI. SBI has agreed to lend the highest amount, 8,500 crore rupees. NABARD NABARD under the Companies Act has set up a venture capital entity, 'NABVENTURES Ltd'. to provide early-stage capital to agriculture and rural enterprises. Chairman - Harsh Kumar Bhanwala Headquarters - Mumbai.

2. Digital Initiatives by Banks

Bank Scheme and Apps

AIRTEL + Axis Bank

Airtel Money

Axis Bank Power Salute: Banking Offers exclusive to Defence Personnel

‘Axis Aha!’: Artificial Intel & machine learning led chatbot to carry out transactions based on conversations.

Asha Home Loans: Tailor-made for people buying their 1st homes.

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

Based on mobile banking transactions, Axis Bank topped the chart by the value of transaction accounting 17.2% of the total mobile banking transaction, according to SBI


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annual report.

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

upto Rs 50000/-

Bank of India Instant Money Transfer(IMT): Send payments /cash withdrawal approvals through banks/ATMs using mobile number & secret code. Receiver need not be BOI account holder.

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

Bank of Maharashtra

‘Maha Millionaire, Maha Lakhpati’: RD scheme as there is no TDS on interest earned by the depositor in Recurring Deposits.

Canara Bank MWallet-enables you to view wallet balances, ATM Locator, Branch Locator, transfer

funds between accounts to wallet and wallet to wallet within the bank

Citi Bank Introduced voice biometrics authentication system for its phone banking clients,

replacing current practice of interactive voice response.

Launched instant chat services for its customers named Citibank Online. It is first such

customer support service in India by a Bank.

HDFC Chatbot service OnChat. It allows users to make payments through Facebook

Messenger

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

Pragati for low income group families

Payzapp is an all-in-one mobile payment and money transfer app.

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

‘Saral Rural Housing Loan’ Scheme

India’s first ‘Transparent Credit Card’ in association with American Express


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Student Travel Card

ICICI M-Pesa along with Vodafone

Karnataka Bank

KBL Suraksha: Personal accident insurance scheme for savings bank account holders

Karnataka Bank has launched KBL- Deposit Only Card for their Current account or

overdraft customer which will help them in hassle free cash deposit transaction at the

bank.

Kerala Gramin Bank

FI@School Program: Propagates financial literacy among school children

Kotak Mahindra Bank

KayPay: Facebook-based funds transfer platform

Kotak Bharat - mobile banking app

Launched Airtel payment banks in association with Airtel.

Punjab National Bank

Contactless Credit Card Wave N Pay (on Visa Platinum platform), for transactions up to

INR 2000

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

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

disbursement

SBI MobiCash Mobile Wallet, in association with Bharat Sanchar Nigam Limited (BSNL).

Boutique Financing SCHEME

E-wallet-Buddy: First Indian Mobile Wallet Application available in 13 Languages.

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

needs.

SBI-Intouch-Digital branches across the country with an aim to offer advanced banking

services like instant loan approvals, assistance in choosing investment portfolios and

access to latest mutual funds among others.

Vijaya Bank 3 innovative apps VPAYQWIK, Vijaya *99# and VeConnect+

Yes Bank ‘Yes Mobile 2.0’ a new mobile banking app with multiple more features and support for banking transactions on Apple and Android based Smart Watches


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‘SIMsePAY’ service: It allows any account holder to do money transfers, pay utility bills and other mobile banking services, without any smart phones or internet, based on sim

sleeve technology

Unique Customizable Savings Account to enable customers to design an account as per

their convenience

Corporation Bank

Corporation Bank. has obtained the ‘‘Investor Relations Awards 2018’ under the category Best Expectation Management (Mid Cap) for the financial-year 2017-18.

Bank of Baroda Bank of Baroda has given the direction to IT majors IBM & Accenture to create an IT

Centre of Excellence (ITCoE) and Analytics Centre of Excellence (ACoE) as part of the

bank’s strategy to use technology to drive growth.

PayTM Paytm introduced automatic recurring payments, a new feature that lets users

configure the payments app to pay for periodic recurring expenses automatically

3. Mergers in Indian Banking Industry

Name of the Banks Acquired

Name of the Banks that got Merged

Year of Merging

IDFC First IDFC & Capital

First 2019

New Regional Rural Bank

Punjab Gramin Bank, Malwa

Gramin Bank, and Sutlej Gramin Bank

2019

Bank of Baroda Dena Bank, Vijaya

Bank, Bank of Baroda

2018

SBI

Bharatiya Mahila Bank (BMB)

2017

State Bank of Travancore (SBT)

2017

State Bank of Bikaner and Jaipur

(SBBJ) 2017

State Bank of 2017

Hyderabad (SBH)

State Bank of Mysore (SBM)

2017

State Bank of Patiala (SBP)

2017

Kotak Mahindra Bank

ING Vysya Bank 2016

ICICI Bank Bank of Rajasthan 2010

State Bank of India

State Bank of Indore

2009

State Bank of India

State Bank of Saurashtra

2008

HDFC Bank Centurion Bank of

Punjab 2008

Centurion Bank of Punjab

Lord Krishna Bank 2007

Indian Overseas Bank

Bharat Overseas Bank

2007

IDBI Bank United Western 2006


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Bank Ltd.

Federal Bank Ganesh Bank of

Kurundwad 2006

Centurion Bank Bank of Punjab

(BoP) 2005

IDBI Bank Limited

IDBI Limited 2005

Oriental Bank of Commerce

Global Trust Bank (GTB)

2004


Nedungadi Bank 2003

Bank of Baroda Benares State Bank 2002

ICICI Bank Limited

ICICI Limited 2002

ICICI Bank Bank of Madura 2001

HDFC Bank Times Bank 2000

Union Bank of India

Sikkim Bank 1999

State Bank of India

Kashinath State Bank

1995

Bank of India Bank of Karad 1994


New Bank of India 1993

State Bank of India

Bank of Cochin 1985

Canara Bank Lakshmi 1985

Commercial Bank

Bank of Baroda South Gujarat

Local Area Bank 2004

Bank of Baroda Bareilly

Corporation Bank Ltd.

1998


Bari Doab Bank Ltd

1997


Punjab Co-operative Bank

1997

Allahabad Bank United Industrial

Bank Limited 1989

Central Bank of India

Purvanchal Bank Ltd.

1990

Bank of India Parur Central Bank

Ltd. 1990

State Bank of India

National Bank of Lahore Ltd.

1970

State Bank of India

Bank of Bihar Ltd 1969


Hindustan Commercial Bank

Ltd. 1986

Indian Bank Bank of Thanjavur

Ltd 1990

Bank of Baroda Traders Bank Ltd 1988

Indian Overseas Bank

Bank of Tamil Nadu

1990

4. Indian Currency Notes

Currency

Notes

Dimen-

sions (mm)

Motifs/

Design

Colour

10 63x123 Sun temple Chocolate

brown

50 66x135 Hampi with

Chariot

Fluorescent

Blue

100 66×142 Rani Ki Vav Lavender

200 66x146 Sanchi

Stupa

Bright

Yellow


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500 44x150 Red Fort Stone Grey

2000 66x166 Mangalyaan Magenta

5. Currency Printing & Coin Minting in India

Currency Printing and Coin Minting in India is mainly catered by two organisations, namely Bharatiya Reserve Bank Note Mudran Private Limited (BRBNMPL) and Security Printing and Minting Corporation of India Limited (SPMCIL). Bharatiya Reserve Bank Note Mudran Pvt Ltd is a wholly owned subsidiary of RBI supplying a major portion of bank note requirement in India. The BRBNMPL was incorporated as a Private Limited Company on 3rd February 1995. It has two currency presses under it, Mysore - The demand for banknotes has been steadily increasing. To bridge the demand and supply gap, the Government of India decided to establish the new bank note printing press at Mysore(Karnataka). Salboni – Salboni or Salbani, situtated in West Bengal is the second unit under BRBNMPL. The present capacity of both the presses is around 16 million note pieces per year. The Bharatiya Reserve Bank Note Mudran Pvt Ltd made a world record in the financial year 2016-17 by printing more than 20,000 million pieces of bank notes. Security Printing and Minting Corporation of India Ltd is wholly owned Mini-Ratna Central Public Sector Enterprise (CPSE) under Government of India. It was established on 13th January 2006 in New Delhi. SPMCIL prints bank notes not only for India but also for foreign countries like Iraq, Nepal, Sri Lanka, Myanmar

and Bhutan. It has following Currency Presses and Coin Mints under it, Nashik - The bank note printing in India started in 1928 with the establishment of India Security Press at Nashik by Government of India. Dewas (MP) - The second bank note printing press was established in Dewas (Madhya

Pradesh) in 1975 by Government of India.

Coin Minting in India

Mumbai - It was established in 1829.

Bombay(Mumbai) Mint has a diamond under the date of the coin(year of issue).

Alipore (Kolkata) - It was established in 1757.

Kolkata mint has no mark under the date of the

coin(year of issue).

Saifabad (Hyderabad) - It was established in the

17th century. Hyderabad Mint has a star under the date of the coin(year of issue). The other

mint marks from Hyderabad include a split

diamond and a dot in the diamond.

Cherlapally (Hyderabad) - It was established in the 17th century. Hyderabad Mint has a star

under the date of the coin(year of issue). The

other mint marks from Hyderabad include a

split diamond and a dot in the diamond.

Noida (UP) - It was established in 1988. Noida mint has a dot under the year of issue(coin

date).

6. Types of Banking

Merchant Banking (1) Deals in commercial loans and investments. (2) Purpose: Facilitate and/or finance production and trade of commodities. (3) Offerings: Issue management, portfolio management, credit syndication, acceptance credit, counsel on mergers and acquisitions, insurance, etc.

Overseas Banking (1) The kind of banking in which bank operates its branches outside India. It Provides and ensures stateside like banking services and specialized services required to conduct financial transactions.


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(2) Offerings: Online loan application system that reduces the need for paperwork and provides customers with instant loan decision.

Offshore Banking (1) Bank accepts currencies of countries abroad. (2) Provides financial and legal benefits like privacy and minimal taxation.

Islamic Banking (1) Islamic banking is a kind of banking activity which strictly follows the principles of the Islamic law (Sharia). (2) A better and more apt term for Islamic banking is Sharia Compliant Finance. In late 2008, a committee on Financial Sector Reforms, headed by former RBI governor Raghuram Rajan, had stressed on the need for a closer look at the issue of interest-free banking in the country. However, the Reserve Bank of India (RBI) has decided not to pursue a proposal for introduction of Islamic banking in the country.

Para banking (1) Activities which are excluded from routine bank-work (deposits, withdrawals, giving credit, etc.) are para banking activities. (2) Banks can undertake certain eligible financial services or activities. (3) Para Banking activities which for banks are limited to those permitted by RBI. (4) Example: Insurance, portfolio management services, to become pension fund managers, mutual funds business, money market mutual funds, underwriting of bonds of PSUs, investment in venture capital funds, etc.

Narrow Banking (Safe Banks) (1) Narrow banks do not lend money and are therefore called ‘safe banks’. Hence, they carry ‘zero credit risk’. (2) They use the deposits done by customers to buy government bonds only. (3) Advantages: (i) No danger of NPAs (ii) RBI can easily supervise them (iii) ‘Deposit Insurance’ is not required

(4) 11 banks that RBI, under PCA, is turning into Narrow Banks:- Allahabad Bank, United Bank of India, Corporation Bank, IDBI Bank, UCO Bank, Bank of India, and Central Bank of India, Indian Overseas Bank, Oriental Bank of Commerce, Dena Bank, Bank of Maharashtra. What is Deposit Insurance? Money of customers who deposit money in the banks is insured by DICGC. And the customers who take loans from banks are guaranteed of money by DICGC. DICGC is a wholly owned subsidiary of RBI, established on 15 July 1978 under Deposit Insurance and Credit Guarantee Corporation Act, 1961 for providing insurance of deposits and guaranteeing of credit facilities to the customers of banks. Green Banking (1) Promoting environmental-friendly Practices (2) Encourages reducing carbon footprint from banking activities. (1) Institute for Development and Research defines Green Banking as an umbrella term that refers to

(1) Practices & guidelines that make banks sustainable in economic, environment and social dimensions. (2) It aims to use IT and physical infrastructure in a efficient and effective way, with zero or minimal impact on the environment. (3) IDRBT offers guidelines for greening banking at 2 levels: (i) Making day-to-day business operations, banking products and services greener by following simple practices and making them environmentally friendly. (ii) Making IT infrastructure (including data center) and physical infrastructure (including buildings) greener.

For example taking initiatives so that a bank could itself generate electricity for its own consumption

Retail Banking (1) Retail banking refers to consumer-oriented services offered by commercial banks. Eg. savings accounts, mortgages and various types of loans and investment services relating to retirement and educational planning. (2) Retail assets of a bank: All borrower relationships and relationships with small businesses. Thus, including credit cards,


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auto loans, mortgages, personal loans, and small business loans. (3) How do retail banks earn money: By lending money to customers at a higher rate than they pay to depositors. The difference, known as the margin or turn, is kept by the bank. For example, if a bank pays 1% interest on deposits, they may charge 6% interest on loans.

Wholesale Banking (1) Services provided to organisations such as mortgage Brokers, large corporate clients, mid-sized companies, real estate

developers & investors, international trade finance businesses, etc.

Universal Banking (1) Recommended by R H Khan committee. (2) It means allowing Financial Institutions & banks to carry out all types of banking or development financing activity (as allowed and permitted by RBI, Govt. & related legal Acts).

Type Movable Movable Immovable

Posse-ssion

With Lender

With Borrower

With Borrower

Example Goods like Gold loan

Assets like Vehicle, Machines

Housing Loan

advance against NSC, etc.

Stocks, etc.

7. Digital Banking

NPCI (1) National Payments Corporation of India (NPCI) is an umbrella organization for all retail payments system in India. (2) It aims to allow all Indian citizens to have unrestricted access to e - payment services. (3) Headquarter: Mumbai Non-Executive Chairman: Biswamohan Mahapatra and MD and CEO: Dilip Asbe (4) RBI Nominee Director: Mr. Sudarshan Sen. (5) It was incorporated in December 2008 & the Certificate of Commencement of Business was issued in April 2009. The authorized capital was pegged at Rs 300 crore & paid up capital was Rs 100 crore. The National Payments Corporation of India (NPCI) has allowed Facebook-owned WhatsApp to beta test its BHIM UPI beta payments service with limited user base of 1 million and low transaction limit. Four banks will join social messaging app’s BHIM UPI model in phases and full feature product will be released after beta test is successful.

USSD (1) Unstructured Supplementary Service Data (USSD) allows users to check their balance and get mini statements, along with making

payments, even if they don’t own a smartphone or have access to the internet - just by dialling *99# (2) Was launched by NPCI in 2014 (3) On their mobile phones, banking customers can avail the service by dialing *99#, a “Common number across all Telecom Service Providers (TSPs)”. After that an interactive menu gets displayed on the mobile screen to facilitate transactions. (4) One can check status of his/her Aadhaar number seeding/linking in the bank account. (5) The service works across all GSM service providers & brings together diverse ecosystem partners such as Banks & TSPs (Telecom Service Providers).

BHIM (1) Bharat Interface for Money is a mobile app developed by NPCI, based on the Unified Payment Interface (UPI) - with zero transaction charges. (2) The aim is to make it easy for everyone to allow digital payments directly from the bank account. BHIM allow users to send or receive money to or from UPI payment addresses, or to non-UPI based accounts. (using mobile number or Virtual Payment Address or VPA.)


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(3) It was launched by PM Modi on 30th Dec 2016. It is dedicated to Dr. Bhimrao Ambedkar. (4) Works on Android, iOS & Windows. (5) It is available in 12 languages. Famous Actor Shushant Singh Rajput will also promote Bharat Interface for Money (BHIM) digital payments app for cashless economy by appearing in various video, print and social media cashless economy by appearing in various video, print and social media campaigns of NITI Aayog.

UPI (1) Unified Payments Interface (Regulated by RBI) is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. (2) UPI withdraws and deposits funds directly from the bank account whenever a transaction is requested. (3) It uses Virtual Payment Address, Account Number with IFSC Code, Mobile Number with MMID, Aadhaar Number. MobiKwik one of the largest digital service provider platform, announced the launch of Unified Payments Interface (UPI) on its platform via its own Virtual payment address (VPA) handle @ikwik.

IMPS (1) Launched in 2010, immediate payment service (IMPS) is an instant real-time inter-bank electronic (mobile, online banking, ATM) funds transfer system in India. (2) It uses mobile number or Aadhaar number to connect with a bank account,Mobile Money Identifier (MMID) is a 7 digit number, issued by banks. It is clubbed with mobile number to facilitate fund transfer. As per a recent NPCI data, the number of transactions through IMPS crossed 100 million marks in March 2018 and touched a high of 120.4 million in June.

RTGS & NEFT (1) Real-Time Gross Settlement systems (RTGS) are funds transfer systems where transfer of money or securities takes place from one bank to another on a "real-time" and on "gross" basis. (2) National Electronic Funds Transfer (NEFT) is a nation-wide payment system facilitating one-to-one funds transfer.

(3)There is no minimum and maximum limit for cash remittance for NEFT. However, the maximum amount per transaction is limited to ₹ 50,000. (4) In contrast with NEFT system, there is a minimum limit of Rs.2,00,000 to be transferred through RTGS. Though there is no maximum limit. CTS (1) Launched: 1 February 2008 (2) Cheque Truncation System (CTS) or Image-based Clearing System (ICS) is based on a cheque truncation or online image-based cheque clearing system where cheque images and Magnetic Ink Character Recognition (MICR) data are captured at the collecting bank branch and transmitted electronically.(4) Cheque Truncation System (CTS) is a cheque clearing system undertaken by the Reserve Bank of India (RBI) for faster clearing of cheques.

IFSC (1) The Indian Financial System Code (IFS Code or IFSC) is an alphanumeric code that facilitates electronic funds transfer in India. (2) A code uniquely identifies each bank branch participating in the two main Payment and settlement systems in India: the Real Time Gross Settlement (RTGS) and the National Electronic Fund Transfer (NEFT) systems. (3) The IFSC is an 11-character code with the first four alphabetic characters representing the bank name, and the last six characters (usually umeric, but can be alphabetic) representing the branch. The fifth character is ‘zero’ and reserved for future use. Bank IFS Code is used by the NEFT & RTGS systems to route the messages to the destination banks/branches.

SWIFT (1) The Society for Worldwide Interbank Financial Telecommunication (SWIFT) provides a network that enables financial institutions worldwide to send and receive information about financial transactions in a secure, standardized and reliable environment. (2) Headquarter: La Hulpe, Belgium; (3) Chairman: Yawar Shah; CEO: Gottfried Leibbrandt. ACU (1) Established: December 9, 1974


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(2) Headquarters: Tehran, Iran (3) The aim of ACU was to secure regional co-operation about the settlement of eligible monetary transactions to provide a system for

clearing payments among the member countries on a multilateral basis.

9. Monetary Policies

INDICATORS CURRENT RATE

CRR 4%

SLR 19.25%

Repo Rate 6.25%

Reverse Repo Rate 6.00%

MSF 6.50%

Bank Rate 6.50%

1. CASH RESERVE RATIO Cash Reserve Ratio (CRR) is a specified minimum fraction of the total deposits of customers, which Commercial Banks must hold as reserves either in cash or as deposits with the Central Bank. 2. STATUTORY LIQUIDITY RATIO Statutory Liquidity Ratio (SLR) is the Indian Government term for the reserve requirement that the Commercial Banks in India are required to maintain in the form of cash, gold reserves, government approved securities before providing credit to the customers. 3. REPO RATE Repo Rate is the rate at which the Central Bank of a Country (Reserve Bank of India in case of India) lends money to Commercial Banks in the event of any shortfall of funds.

4. REVERSE REPO RATE Reverse Repo Rate is the rate at which the Central Bank of a country borrows money from Commercial Banks within the country. It is a monetary policy instrument which can be used to control the money supply in the country.

5. BANK RATE Bank rate is the rate charged by the Central Bank for lending funds to Commercial Banks. 6. MARGINAL STANDING FACILITY Marginal Standing Facility (MSF) is the rate at which scheduled banks could borrow funds overnight from the Reserve Bank of India (RBI) against approved government securities. 7. OPEN MARKET OPERATIONS Open Market Operations (OMO) refer to buying and selling of government securities in the open market to expand or contract the amount of money in the Banking System.

10. Important Acts

1. RBI Act The Reserve Bank of India Act 1934 is an Act to constitute a Reserve Bank of India (RBI) and provide the Central Bank with various powers to act as the Central Bank of India. 2.NABARD Act

NABARD was established by Act 61, 1982 of the Parliament to implement the National Bank for Agriculture and Rural Development Act 1981. 3.RRB Act The RRB Act 1976 was adopted to provide sufficient banking and credit facility for agriculture. 4.BANKING REGULATION Act


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The Banking Regulation Act, 1949 is a legislation in India that regulates all Banking firms in India. 5.SEBI Act The Securities and Exchange Board of India (SEBI) is the regulator for the securities market in India. It was established in the year 1988 and

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

11. Important Financial Institutions

1. RBI The Reserve Bank of India (RBI) is India's Central Banking Institution which controls the monetary policy of Indian rupee. It commenced its operations on 1 April 1935 in accordance with the Reserve Bank of India Act 1934. Urjit Patel is the governor of RBI. RBI has revised its priority sector lending guidelines for housing loan under Pradhan Mantri Awas Yojna. Housing Loan of up to Rs 35 Lakh for dwelling costing less than 45 Lakh will be treated as PSL to uplift low cost segment to the society. RBI has now extended Liquidity Adjustment Facility (LAF) to Scheduled State Co-operative Banks (StCBs) which are CBS enabled and have CRAR of at least 9%. According to the new norms of IFSC Banking Units (IBU), the parent bank is required to provide a minimum capital of USD 20mn to start their IBU operations and should maintain the minimum prescribed regulatory capital on an on-going basis. Sudha Balakrishnan is the first ever Chief Financial Officer (CFO) of the Reserve Bank of India (RBI). RBI has signed a MoU with Insolvency and Bankruptcy Board of India for cooperation in effective implementation of insolvency laws. RBI has rationalised and liberalised the External Commercial Borrowings (ECB) Policy to include more sectors in the window to facilitate cheaper access of overseas funds with a uniform all-in-cost ceiling of 450bps over the benchmark rate. It has also increased the ECB Liability to Equity Ratio for ECB raised from direct foreign equity holder

under the automatic route to 7:1. 2. NABARD

National Bank for Agriculture and Rural Development (NABARD) is India's specialised Bank for Agriculture and Rural Development in India. NABARD was established by Act 61, 1981 of Parliament on 12 July 1982 to implement the National Bank for Agriculture and Rural Development Act 1981. HQ: Mumbai Chairman: Dr. Harsh Kumar Bhanwala Subsidiaries of NABARD: NABCONS, NABFINS, ABFL. Repco Micro Finance Ltd, a non-banking

https://bit.ly/2nCdiUx


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finance company received NABARD 2018 award. The NABARD is funding the central and state share of 99 prioritized irrigation projects under the PMKSY through long-term irrigation fund (LTIF). 3. SEBI The Securities and Exchange Board of India (SEBI) is the regulator for the securities market in India. It was established in the year 1988 and given statutory powers on 30 January 1992 through the SEBI Act, 1992. Initiatives by SEBI : (a) Capital Protection Oriented Schemes: The SEBI (Mutual Funds) Regulations, 1996 were amended so as to permit the launch of Capital Protection Oriented schemes. (b)Dispatch of Statement of Accounts: SEBI directed mutual funds to dispatch the statement of accounts to the unit holders under Systematic Investment Plan (SIP) / Systematic Transfer Plan (STP) / Systematic Withdrawal Plan (SWP) once every quarter ending March, June, September and December within ten working days of the end of the respective quarter. (c)Gold Exchange Traded Funds: SEBI amended the SEBI (Mutual Funds) Regulations, 1996 to specify the methodology for the valuation of gold for the purpose of Gold Exchange Traded Funds (GETFs). (d) Real Estate Mutual Fund (REMF): REMF Scheme means a scheme of a mutual fund which has investment objective to invest directly or indirectly in real estate property and shall be governed by the provisions and guidelines under SEBI (Mutual Funds) Regulations.

(e) Standard Warning in Advertisements by Mutual Funds. In order to improve the manner in which the said message was conveyed to the investors, it was decided in consultation with AMFI that with effect from April 1, 2008, the time for display and voice over and audio advertisements of the standard warning be enhanced to five seconds.

4. NATIONAL HOUSING BANK Housing Bank (NHB), a wholly owned subsidiary of Reserve Bank of India (RBI), was set up on 9 July 1988 under the National Housing Bank Act, 1987.

The National Housing Bank (NHB) has sanctioned around Rs 3,018 crore under the credit-linked subsidy scheme (CLSS) of the Pradhan Mantri Awas Yojana (PMAY). MD and CEO of NHB - Sriram Kalyanaraman. 5. EXIM BANK Export–Import Bank of India is the premier export finance institution in India, established in 1982 under Export-Import Bank of India Act 1981. The Cabinet approved a joint research on the distributed ledger and blockchain technology by Export-Import Bank of India (Exim Bank) with member-banks of Brazil, Russia, India, China and South Africa (BRICS). 6. DICGC Deposit Insurance and Credit Guarantee Corporation (DICGC) is a subsidiary of Reserve Bank of India. It was established on 15 July 1978 under Deposit Insurance and Credit Guarantee Corporation Act, 1961. HQ: Mumbai; Chairman: N S Vishwanathan 8. SIDBI Small Industries Development Bank of India (SIDBI) is a development financial institution in India. It was established on 2nd April 1990. Small Industries Development Bank of India (SIDBI) and Common Service Centres (CSC) Special Purpose Vehicle (SPV) signed MoU for providing financial Support village level entrepreneurs in CSCs.


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The Small Industries Development Bank of India (SIDBI) celebrates its foundation day on 2nd April every year. 9. IFC The International Finance Corporation (IFC) is an International Financial Institution that offers investment, advisory, and asset-management services to encourage private-sector development in developing countries. It was established in 20 July 1956. 10. IRDAI The Insurance Regulatory and Development Authority of India (IRDAI) is an autonomous, statutory body tasked with regulating and promoting the insurance and reinsurance industries in India. Initiatives by IRDAI : (a) Insurers to cover mental illness under medical insurance policy: According to provisions of the Act, mental health care includes analysis and diagnosis of person’s mental condition and treatment as well as care and rehabilitation of such person for his mental illness or suspected mental illness. (b)Suresh Mathur Committee: IRDAI has set up 10-member committeeheaded by Suresh Mathur, to review norms related to Insurance Marketing Firms with an aim to increase insurance penetration in the country. (c)IRDAI’s admission as a Signatory to IAIS, MMoU: The Union Cabinet has approved IRDAI’s admission as a signatory to International Association of Insurance Supervisors (IAIS), Multilateral Memorandum of Understanding (MMoU). (d) No Vehicle Insurance without Pollution Certificate: IRDAI has made it mandatory for every vehicle owner to have a valid PUC certificate to comply with the prescribed emission norms. A vehicle without such certificate is liable to be prosecuted under the Motor

Vehicles Act. (e) IRDAI sets up a panel to identify Systemically Important Insurers (SII): This panel will be headed by Pravin Kutumbe, Member ofFinance & Investment, IRDAI. The panel will also develop a paper on assessment methodology for SIIs in India and recommend enhanced supervision for them. 11. NITI AAYOG The National Institution for Transformation of India also known as the NITI Aayog has been created to serve as a think tank for the Government of India. NITI Aayog acts as the major platform of the Government of India to bring States to act together in national interest, and thereby fosters Cooperative Federalism. Initiatives by NITI : (a) Agreement with Microsoft for AI: NITI Aayog has inked an agreement with Microsoft India to deploy artificial intelligence (AI) technologies to address challenges in agriculture and healthcare and promote adoption of local language computing among others. (b)South Asian Regional Conference on Urban Infrastructure: It was organised by NITI Aayog in New Delhi in partnership with United Nations Economic and Social Commission for Asia and Pacific (UNESCAP) and Asian Development Bank. (c)Himalayan State Regional Council: NITI Aayog has constituted Himalayan State Regional Council to ensure sustainable development of the Himalayan Region. (d) Transforming India Lecture Series: As the government’s premier think-tank, NITI Aayog views knowledge building & transfer as the enabler of real transformation in States.


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12. NBFCs

A non-banking institution is a company having principal business of receiving deposits under any scheme or arrangement in one lump sum or in instalments by way of contributions or in any other manner, is known as non-banking financial company. According to RBI, A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 1956 engaged in the business of loans and advances, acquisition of securities, etc. issued by Government or local authority or other marketable securities of a like nature, leasing, hire-purchase, insurance business, chit business. NBFCs are categorized : (a) In terms of the type of liabilities into Deposit and Non-Deposit accepting NBFCs, (b) Non deposit taking NBFCs by their size into systemically important and other non-deposit holding companies (NBFC-NDSI and NBFC-ND), (c) By the kind of activity they conduct. Types of NBFCs: 1. Asset Finance Company (AFC)

➢ An AFC’s principal business is financing of physical assets supporting productive/economic activity, such as automobiles, tractors, lathe machines, generator sets, earth moving and material handling equipment, moving on own power and general purpose industrial machines.

2. Investment Company (IC)

➢ IC means any company which is a financial institution carrying on as its principal business the acquisition of securities.

3. Loan Company (LC) ➢ LC means any company which is a financial

institution carrying on as its principal business the providing of finance whether by making loans or advances or otherwise for any activity other than its own but does not include an Asset Finance Company.

4. Infrastructure Finance Company (IFC) ➢ IFC is a non-banking finance company a)

which deploys at least 75% of its total assets in infrastructure loans, b) has a minimum Net Owned Funds of ₹ 300 crore, c) has a minimum credit rating of ‘A ‘or equivalent d) and a CRAR of 15%.

5. Infrastructure Debt Fund ➢ IDF-NBFC is a company registered as NBFC

to facilitate the flow of long term debt into infrastructure projects. IDF-NBFC raise resources through issue of Rupee or Dollar denominated bonds of minimum 5 year maturity. Only Infrastructure Finance Companies (IFC) can sponsor IDF-NBFCs.

6. Mortgage Guarantee Companies (MGC)

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➢ MGC are financial institutions for which at least 90% of the business turnover is mortgage guarantee business or at least 90% of the gross income is from mortgage guarantee business and net owned fund is ₹ 100 crore.

7. Non-Operative Financial Holding Company (NOFHC)

➢ NBFC - NOFHC is financial institution through which promoter / promoter groups will be permitted to set up a new bank. A wholly-owned NOFHC will hold the bank as well as all other financial services companies regulated by RBI or other financial sector regulators, to the extent permissible under the applicable regulatory prescriptions.

13. Electoral Bonds

Announced: Scheme Union Budget 2017 Aim: (1) Alternative to cash donations. So that transparency in political funding can increase. (2) Elimination of unaccounted and anonymous donations to political parties. (3) In a way fights black money. Points to Remember: India is the 1st country in the world to have a

unique bond for electoral funding.

Electoral bonds are made available for 10 days

in January, April, July and October.

Any Indian citizen or a body incorporated in India can buy these bonds.

Electoral bonds will be valid for only 15 days and will not carry the name of the payee.

Bonds can be bought from SBI branches at Mumbai, Chennai, Kolkata and New Delhi.

Electoral bonds can be bought for any amount in

multiples of Rs. 1000, Rs.10,000, Rs.1 Lakh,

Rs.10 lakh and Rs. 1 crore.

Purchaser must pay from KYC - compliant bank account.

Bonds can be donated to a registered political party only.

14. Electronic Fund Transfer at Point of Sale

Electronic Funds Transfer At Point Of Sale (EFTPOS) is a payment system that allows faster and safer digital fund transfers at payment terminals using debit or credit cards. EFTPOS was first introduced in the US in 1981 and rolled out in 1982, after that several other countries followed the suit.

Electronic Funds Transfer (EFT) - It is also known as e-transfer and indicates the transfer of money between accounts by consumer electronic systems such as automated teller machines (ATMs), and electronic payment of bills. Point of Sale (POS) - is the location where a sales transaction occurs

15. Priority Sector Lending

Priority sector was first properly defined in 1972 by Dr. K S Krishnaswamy committee. Priority Sector Lending is an important role given by the Reserve Bank of India (RBI) to the banks for providing a specified portion of the bank lending to few specific sectors.


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As per the RBI circular of July 7, 2016, there are 8 broad categories of the PSL viz. (1) Agriculture (2) Micro, Small and Medium Enterprises (3) Export Credit (4) Education (5) Housing (6) Social Infrastructure (7) Renewable Energy (8) weaker sections. Private sector lending is essentially meant for an all-round development of the economy and not just focus on the financial sector. Private sector lending is also linked to the Double Financial Repression. In India, private

sector lending has been made a salient feature of banking mainly due to the social and economic objectives that underlie PSL. However, banks are also required to keep certain amount to maintain Statutory Liquidity Ratio (SLR) and from the remaining disposable amount, 40 per cent is dedicated for the priority sector. Thus, large fraction of banks’ resources causes the so called “Double Repression” on the banking system. The economic survey has brought this issue to the forefront and has recommended thegovernment to restructureSLR and PrioritySector Lending.

16. KYC

KYC or ‘Know Your Customer’ is nothing but the process of banks asking for your identity proof. This prevents fraud and misuse of banking facility.It is similar to a security check. The Reserve Bank of India (RBI) has made linking of national biometric ID Aadhaar to bank accounts mandatory as part of its updated 'Know Your Customer (KYC)'

guidelines. RBI has also imposed a penalty of Rs 5 cr on south Indian bank for non-compliance with its directions on Income Recognition and Asset Classification (IRAC) norms, Know Your Customer (KYC) norms and treasury function.

17. NPA and Recovery

What is an NPA? Non-performing assets are bad loans. Once a borrower fails in payment of interest or instalment of the principal or both for 90 days at least, the loan is considered an NPA. Rise in NPAs has taken a toll on stock prices of most of these banks. So, RBI rules require that banks should set aside certain amount of money (provisioning) for the NPAs. NPAs are classified as sub – standard, doubtful and loss-making assets for provisioning requirements

Substandard asset NPA for a period less than or equal to 12

months.

Doubtful asset NPA for a period of

more than 12 months.

Loss asset NPA for a period of

more than 36 months

Classification of NPAs for Agriculture loans: A loan will be treated as an NPA if instalment of the principal or interest remains unpaid beyond the due date for (i) two crop seasons in case of short duration crops (maturing within one year); (ii) one crop season for long duration crops (maturing after one year).

To recover the NPAs, many measures have been taken, like: Provisioning, CAR norms, Securitization law, Foreclosure, Norms, One-time settlement, Interest Waiver, Write-offs, Debt recovery tribunals, Asset reconstruction companies With a view to bringing convergence of the Priority Sector Lending guidelines for housing loans with the Affordable Housing Scheme, and to give a relaxation to low-cost housing for the Economically Weaker Sections the


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housing loan limits for eligibility under priority sector lending will be revised to Rs 35 lakh in metropolitan centres from Rs 28 and to Rs 25 lakh from Rs 20 lakh earlier in other centres, provided the dwelling cost does not exist Rs 45 lakh. SARFAESI ACT 2002 (1) The Securitisation and Reconstruction of Financial Assets and Enforcement of Securities Interest Act, 2002 (also known as the SARFAESI Act) is an Indian law. It allows banks and other financial institution to auction residential or commercial properties to recover loans. (2) It is used to expedite recovery of loans and bring down the non – performing asset level of the Indian banking and financial sector. (3) It will thus become easier to recover bad loans from wilful defaulters. According to 'Financial Stability Report' released RBI on 31 December 2018, banks Gross Non-Performing Assets' (GNPAs) ratio have improved to 10.8% in September 2018 from 11.5% in March 2018.Also the Net Non-Performing Assets (NNPAs) ratio witnessed a fall at 5.3% in September 2018 as against 6.2% in March 2018.

Prompt Corrective Action (PCA) (1) To ensure that banks don't go bust, RBI has put in place some trigger points to assess, monitor, control and take corrective actions on banks which are weak and troubled. The process or mechanism under which such actions are taken is known as Prompt Corrective Action, or PCA. (2) Regulators use 4 different capital measures i.e. a total risk and a Tier - 1 based capital ratio, leverage and Equity to assets ratio.

Asset Reconstruction Company (1) In order to recover the bad debts (sticky loans), the Asset Reconstruction Company, who

have built – in professional expertise, handles recovery as their core business. (2) ARCs buy bad loans from banks and try to restructure them and collect them. ARC is formed under SARFAESI Act, 2002. (3) Under this Bank / FIs have the power to sell their bad loans. The loans which are of 1 lakh or more fall in this category

Debt Recovery Tribunal (1) The Government of India has constituted 38 Credit Recovery Tribunals (DRT) and constituted the 5 Debt Restore Appeal Tribunal (DRAT) across the country. (2) The Debt Recovery Tribunal is located throughout the country under ‘Recovery of Debts due to Banks and Financial Institutions (RDDBF) Act, 1993’. (3) As per the act, the issue is to be settled in 6 months and in this case the success rate is around 20 – 30%. Strategic Debt Restructuring (1) Strategic Debt Restructuring (SDR) Scheme allows banks and non-banking lending institutions to convert their loans into equity stake. (2) Under the SDR scheme, banks are exempted from making an open offer while acquiring majority stake in a stressed company.

Lok Adalats (1) Lok Adalat ("Public Court" or "People's Court") is one of the Alternative dispute resolution mechanisms in India, it is a forum where cases pending or at pre-litigation stage in a court of law are settled. (2) Created under Legal Services Authority Act 1987. (3) According to RBI guidelines issued in 2001, they cover NPA up to Rs. 20 lakhs, both suits filed, and non-suit filed are covered.

18. Financial Inclusion

Financial inclusion basically means making credit, banking and financial services & products accessible to: (1) Weaker section and low-income group (2) People residing in remote or rural areas and villages.

Types of Financial Inclusion:

Financial inclusion aims to take care people who fall in 2 types of groups: 1. Low Income section in Urban Areas 2. Low Income section in Rural Areas


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Fig: Financial Inclusion Initiatives

LBS (Lead Banking Scheme) Started: 1969 by RBI Recommended by: Gadgil Study Group & Nariman Committee. Aim: Bridging the gap left by absence of commercial banks in rural areas. Implementation: A public or private bank was allotted an area (district) in which that bank had to play a lead role in providing financial services to the people, making them aware about the banks and various benefits of banks and generating trust among people so they deposit their money without any fear of loss or fraud. No Frills Account Started: 2005 by RBI Recommendation by: Rangarajan Committee Aim: Simplified KYC norms and either nil or very low minimum balance to help low income groups maintain bank accounts. Implementation: However, all the existing ‘No-frills’ accounts opened were converted into BSBDA (Basic Savings Bank Deposit Accounts). BSBDA Account

Started: 2012 by RBI Aim: To extend benefits of no-frills account to common man. Implementation: Applicable to all scheduled commercial banks in India including Foreign Banks having branches in India. Pradhan Mantri Jan Dhan Yojana Prime Minister's People's' Wealth Scheme is a government scheme that aims to expand and make affordable access to financial services such as bank accounts, remittances, credit, insurance and pensions. Business Correspondenceis exchange of information in a written format for the process of business activities that can take place between organizations, within organizations or between the customers and the organization. Business Correspondence includes individuals, NGOs,SHGs, NBFCs, Payment Banks and so on. White Label ATMs Automated Teller Machines (ATMs) setup, owned and operated by non-bank entities are called ‘White Label ATMs’ (WLAs). Tata Communications Payment Solutions (TCPS), started 1st white label ATM (WLA) at Chandrapada, a tier-V town near Mumbai under the brand name “Indicash” in 2013. Government has allowed 100% FDI in White Labelled ATM operations since 2015. Self-Help Group SHGs have their origin from the Gramin Bank of Bangladesh which was founded in 1975 by the economist Prof. Mohammad Yunus of Chittagong University. It is a village-based financial intermediary committee comprising of 10–20 local women or men.

19. Banking Ombudsman Scheme

The Banking Ombudsman Scheme is an expeditious and inexpensive forum for bank customers for resolution of complaints relating to certain services rendered by Banks. The Banking Ombudsman Scheme is introduced

under Section 35 A of the Banking Regulation Act, 1949 by RBI with effect from 1995. Presently the Banking Ombudsman Scheme 2006 (as amended up to July 1, 2017) is in operation.


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20. Abbreviations

• AAY: Antyodaya Anna Yojana • CAA&A: Controller of Aid Accounts & Audit • BBB: Banks Board Bureau • CFPI: Consumer Food Price Index • CIRP:Corporate Insolvency Resolution

Process • CLSS: Credit Linked Subsidy Scheme • DARE: Department of Agricultural Research

& Education • DDA: Doha Development Agenda • DGCI&S: Directorate General of Commercial

Intelligence & Statistics • DGFT: Directorate General of Foreign Trade • DIPAM: Department of Investment & Public

Asset Management • DIPP: Department of Industrial Policy &

Promotion • DISCOMS: Distribution Companies • EBRD: European Bank for Reconstruction &

Development • EFTA: European Free Trade Association • EIB: European Investment Bank • e-NAM: Electronic National Agriculture

Market • EPCG: Export Promotion on Capital Goods • FSLRC: Financial Sector Legislative Reforms

Commission • FSRASC: Financial Sector Regulatory

Appointment Search Committee • GCC: Gulf Cooperation Council • ICRA: Indian Credit Rating Agency. • IBC: Insolvency & Bankruptcy Code • IFSC:Indian Financial System Code

• IMPS: Immediate Payment Service • LFPR: Labour Force Participation Rate • M0: Reserve Money • M3: Broad money • MDGs: Millennium Development Goals • NAREDCO: National Real Estate

Development Council • NCDs: Non-Convertible Debentures • NCLT: National Company Law Tribunal • NEFT: National Electronic Fund Transfer • NICRA: National Innovations on Climate

Resilient Agriculture • NPCI:National Payments Corporation of

India • MAY: Pradhan Mantri Awas Yojana • ‘PMFBY: Pradhan Mantri Fasal Bima Yojana • PMKSY: Pradhan Mantri Krishi Sinchayee

Yojana • POL: Petroleum Oil & Lubricants • RMSA: Rashtriya Madhyamik Shiksha

Abhiyan • RTGS: Real Time Gross Settlement • SSA: Sarva Shiksha Abhiyaan • SUUTI: Specified Undertaking for Unit Trust

of India • SWIFT: Society for Worldwide Interbank

Financial Telecommunication. • SWP: Systematic Withdrawal Plan • UDAY: Ujwal Discom Assurance Yojana • UDISE: Unified District Information System

for Education.

21. Capital Market

Capital market is a platform where investors and buyers get into trade of financial securities such as bonds, stocks, etc. 1. IPO - Stands for Initial Public Offering. It is a term used when a private company or corporation raises investment capital by offering its stock to the public for the first time. 2. FPO - Stands for Follow on Public Offer. It is a process by which an already listed company on an exchange issues new shares to the investors or the existing shareholders, usually the promoters.

3. Right Issue - It is an invitation to existing shareholders to purchase additional new shares in the company. 4. ADR - Stands for American Depository Receipt. It is a negotiable certificate issued by a U.S. bank that represents a specified number of shares (or one share) in a foreign stock traded on a U.S. exchange. 5. GDR - Stands for Global Depository Receipt (GDR). It is a bank certificate issued in more than one country for shares in a foreign company. The shares are held by a foreign branch of an international bank.


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6. IDR - International Depository Receipt is a negotiable certificate that a bank issue. It is also known as ADR in U.S.A. In Europe, IDRs are known as Global Depository Receipts, and trade on the London, Luxembourg and Frankfurt exchanges. 7. NSDL - Stands for National Securities Depository Ltd. It is India’s oldest and largest depository and refers to the organization meant for holding and safeguarding the securities that are traded in the securities market.

8. CDSL - Central Depository Services Limited is a depository service that works for the Bombay Stock Exchange (BSE). CDSL is promoted by the State Bank of India (SBI), Bank of India, Bank of Baroda, HDFC Bank, Standard Chartered Bank, Axis Bank and the Union Bank of India. 9. Debenture - It is a type of debt instrument that is not secured by physical assets or collateral. Corporations and governments frequently issue this type of bond to secure capital.These are usually documented in an indenture. 10. BSE - The Bombay Stock Exchange was established by Premchand Roychand in 1875. It is Asia’s first stock exchange and claims to be the world's fastest stock exchange, with a median trade speed of 6 microseconds. 11. Sensex - It is the benchmark index of the Bombay Stock Exchange (BSE) and is also known as S&P. It is composed of 30 of the largest and most actively-traded stocks on the BSE, providing an accurate gauge of India's economy. 12. NSE - The National Stock Exchange of India was established in 1992. It is India’s first demutualized electronic exchange. 13. Nifty - Like Sensex, Nifty is a major stock index introduced by the NSE in India. The term was coined from two words ‘National’ and ‘FIFTY’.

14. OTCEI - The Over-The-Counter Exchange Of India (OTCEI), founded in 1990 is an electronic stock exchange that consists of small- and medium-sized firms aiming to gain access to the capital markets like electronic exchanges in the U.S. such as the Nasdaq. The OTCEI is no longer a functional exchange as the same has been derecognised by SEBI vide its order dated 31 Mar 2015. 15. Commodity Market - It is a physical or virtual marketplace for buying, selling and trading raw or primary products. There are about 50 major commodity markets worldwide that facilitate investment trade in approximately 100 primary commodities. 16. MCX - The Multi Commodity Exchange of India Ltd. was established in 2003 and is an independent commodity exchange. It is India's largest commodity derivatives exchange where the clearance and settlements of the exchange happen. 17. NCDEX - National Commodity & Derivatives Exchange Limited is an online commodity exchange based in India. 18. Derivatives - It is a contract between two or more parties based upon the asset or assets. Its price is determined by fluctuations in the underlying asset. Forward Contract

It is a private agreement between two parties giving the buyer an obligation to purchase an asset (and the seller an obligation to sell an asset) at a set price at a future point in time.

Future Contract

It is a contract for assets (especially commodities or shares) bought at agreed prices but delivered and paid for later.

Option It is a contract, or a provision of a contract, that gives one party (the option holder) the right, but not the obligation to perform a specified transaction with another party (the option issuer or option writer) according to specified terms. - Call Option: This option provides the holder the right (but not the obligation) to purchase an underlying asset at a specified price (the strike price), for a certain period. - Put Option: This option gives the


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holder the right to sell an underlying asset at a specified price (the strike price).

SWAP It is a derivative contract where two parties exchange financial instruments.

17. Mutual Fund- It is an investment vehicle made up of a pool of money collected from many investors for investing in securities such as stocks, bonds, money market instruments and other assets. Mutual Funds are regulated in India by SEBI. The most popular types of mutual funds in India are -

• Equity funds • Debt funds • Money market funds • Index funds

Net asset value (NAV) represents a funds per share market value. NAV is the sum of the market value of all the shares held in the portfolio divided by the total number of units outstanding.

Close Ended

Scheme Open Ended

Scheme

A scheme where funds are raised for a fixed period and is wound up after a certain period.

It is available for subscription and repurchase on a continuous basis and do not have a fixed maturity period.

HDFC MF becomes the largest AMC in India surpassing the ICICI Prudential MF to become the country's largest asset management company. HDFC manages assets of Rs 3.35 lakh crore, while those of ICICI Prudential MF stood at Rs 3.08 lakh crore. SBI MF is at the third place with Rs 2.64 lakh crore, followed by Aditya Birla Sun Life MF (Rs 2.42 lakh crore) and Reliance MF (Rs 2.36 lakh crore).

22. Money Market

It is the trade in short-term loans between banks and other financial institutions. Usually, financial instruments with high liquidity and short-term maturities are traded. Few instruments of Money Market are: 1. Call Money - Is the money loaned by a bank or other institution which is repayable on demand for 1 day. Call money does not have a fixed schedule, nor does the lender need to provide any notice of repayment. Period - 1 day 2. Notice Money - The money that is lent for one day in money market is known as call money and if it exceeds one day, it is known as notice money. Period - 2-14 days 3. Term Money - While Call money and notice money refers to short-term funds (less than 14 days). Period - 15 days - 1 year 4. Certificate of Deposits - It is equivalent to promissory note and is negotiable. Certificate of Deposits (CD) is issued in lieu of the funds deposited at a bank for a specified time. It was introduced in July 1989, to enable the

Banking system to mobilize bulk deposits from the market. Minimum amount: 1 lakh; Period: 7 days - 1 year 5. Commercial Papers - Commercial Paper, introduced in 1990, is issued (sold) by large corporations to obtain funds to meet short-term debt obligations and is backed only by an issuing bank or company promise to pay the face amount on the maturity date specified on the note. Minimum amount: 5 lakhs or its multiples; Period: 7 days - 1 year 6. Treasury Bills - These are short term borrowing instruments of the Government of India. Treasury Bills enable investors to park their short term surplus funds while reducing their market risk. They are auctioned by Reserve Bank of India at regular intervals and issued at a discount to face value. Minimum amount: Rs. 25000 or its multiples; Period: 91 days, 182 days & 364 days. 7. Ways and Means of Advances - is a method used by Reserve Bank of India (RBI) under its credit policy by which it helps States banking with it to tide over temporary mismatches in the cash flow of their receipts and payments.


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8. Cash Management Bills - are short term bills issued by central government to meet its

immediate cash needs. The bills are issued by the RBI on behalf of the government.

23. Basel Norms

- The Basel accord are a set of agreements set by Basel Committee on Banking Supervision (BCBS) which provides recommendation on banking regulation with respect to capital risk, market risk and operational risk. - The BCBS's secretariat is located at Bank of International Settlements in Basel, Switzerland.

- The purpose of this accord is to ensure that financial institutions have enough capital to meet obligations and absorb unexpected stress.

Capital Adequacy Ratio:

Basel Norms I

It divides the asset account to risk in 5 categories:-

1. 0% Risk 2. 10% Risk 3. 20% Risk 4. 50% Risk

5. 100% Risk

Basel Norms II The 3 main pillars of the Basel Norms II are: - Minimum Capital requirement - Supervisory Review - Market discipline

India adopted Basel-II in 2009. Basel Norms III

- RBI extended the timeline for fully implementation of Basel-III capital regulation by a year to March 31st, 2019.

- Indian government estimated the total Risk Weighted Assets till 2019 will be 120 lakh crore Rupees and where CAR is minimum 9%.

24. Maharatna, Navratna & Miniratna Category of PSEs

1. Maharatna CPSEs Bharat Heavy Electricals Limited

Coal India Limited

GAIL (India) Limited Indian Oil Corporation Limited

NTPC Limited Oil & Natural Gas Corporation Limited

Steel Authority of India Limited

Bharat Petroleum Corporation Limited

2. Navratna CPSEs

Bharat Electronics Limited

Container Corporation of India Limited

Engineers India Limited

Hindustan Aeronautics Limited

Hindustan Petroleum Corporation Limited

Mahanagar Telephone Nigam Limited

National Aluminium Company Limited

National Buildings Construction Corporation Limited

NMDC Limited Neyveli Lignite Corporation Limited

Oil India Limited Power Finance Corporation Limited

Power Grid Corporation of India Limited

Rashtriya Ispat Nigam Limited

Rural Electrification Corporation Limited

Shipping Corporation of India Limited

3. Miniratna Category - I CPSEs Airports Authority of Antrix Corporation


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27

India Limited Balmer Lawrie & Co. Limited

Bharat Coking Coal Limited

Bharat Dynamics Limited

BEML Limited

Bharat Sanchar Nigam Limited

Bridge & Roof Company (India) Limited

Central Warehousing Corporation

Central Coalfields Limited

Chennai Petroleum Corporation Limited

Cochin Shipyard Limited

Dredging Corporation of India Limited

Kamarajar Port Limited

Garden Reach Shipbuilders & Engineers Limited

Goa Shipyard Limited

Hindustan Copper Limited

HLL Lifecare Limited

Hindustan Newsprint Limited

Hindustan Paper Corporation Limited

Housing & Urban Development Corporation Limited

India Tourism Development Corporation Limited

Indian Rare Earths Limited

Indian Railway Catering & Tourism Corporation Limited

Indian Renewable Energy Development Agency Limited

India Trade Promotion Organisation

IRCON International Limited

KIOCL Limited

Mazagaon Dock Limited

Mahanadi Coalfields Limited

Manganese Ore (India) Limited

Mangalore Refinery & Petrochemical Limited

Mishra Dhatu Nigam Limited

MMTC Limited

MSTC Limited National Fertilizers Limited

National Seeds Corporation Limited

NHPC Limited

Northern Coalfields Limited

North Eastern Electric Power Corporation Limited

Numaligarh Refinery Limited

ONGC Videsh Limited

Pawan Hans Projects &

Helicopters Limited Development India Limited

Railtel Corporation of India Limited

Rail Vikas Nigam Limited

Rashtriya Chemicals & Fertilizers Limited

RITES Limited

SJVN Limited Security Printing and Minting Corporation of India Limited

South Eastern Coalfields Limited

State Trading Corporation of India Limited

Telecommunications Consultants India Limited

THDC India Limited

Western Coalfields Limited

WAPCOS Limited

Ed.CIL (India) Limited HSCC (India) Limited National Small Industries Corporation Limited

Indian Railway Finance Corporation Limited

4. Miniratna Category-II CPSEs Bharat Pumps & Compressors Limited

Broadcast Engineering Consultants (I) Limited

Central Mine Planning & Design Institute Limited

Central Railside Warehouse Company Limited

Engineering Projects (India) Limited

FCI Aravali Gypsum & Minerals India Limited

Ferro Scrap Nigam Limited

HMT (International) Limited

Indian Medicines & Pharmaceuticals Corporation Limited

Artificial Limbs Manufacturing Corporation of India

Mineral Exploration Corporation Limited

National Film Development Corporation Limited

P E C Limited Rajasthan Electronics & Instruments Limited

M E C O N Limited

25. List of International Airports in India

Airports Name

City State/ Union

Territory Veer Savarkar

International

Airport

Port Blair

Andaman and

Nicobar

Islands


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28

Visakhapat-nam Airport

Visakha-patnam

Andhra Pradesh

Lokpriya

Gopinath

Bordoloi International

Airport

Guwahati Assam

Gaya Airport Gaya Bihar

Indira Gandhi

International Airport

New Delhi Delhi

Goa

International

Airport

Whole state

Goa

Sardar

Vallabhbhai

Patel


Ahmed-abad

Gujarat

Kempegowda

International

Airport

Bengaluru Karnataka

Mangalore International

Airport

Manga-

lore Karnataka

Cochin


Kochi Kerala

Calicut

International

Airport

Calicut Kerala

Trivandrum

International

Airport

Thiruvan-

anthap-

uram

Kerala

Chhatrapati

Shivaji International

Mumbai Maharashtra

Airport

Dr. Babasaheb Ambedkar

International

Airport

Nagpur Maharashtra

Pune Interna-tional Airport

Pune Maharashtra

Tulihal Airport Imphal Manipur

Biju Patnaik


Bhuban-

eswar Odisha

Sri Guru Ram

Dass Jee


Amritsar Punjab

Jaipur

International

Airport

Jaipur Rajasthan

Rajiv Gandhi International

Airport

Hydera-

bad Telangana

Tiruchirappalli


Tiruchira-

palli Tamil Nadu

Chennai

International

Airport

Chennai Tamil Nadu

Coimbatore International

Airport/Civil

Aerodrome

Coimbator

e Tamil Nadu

Guru Ram Dass ji International

Airport

Amritsar Punjab

Chandigarh Chandi- Punjab


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29


garh

Chaudhary

Charan Singh

Airport

Lucknow Uttar Pradesh

Lal Bahadur Shastri Airport

Varanasi Uttar Pradesh

Netaji Subhash Chandra Bose

International

Airport

Kolkata West Bengal

26. List of Revolutions in India

Revolution Product

Black Revolution Petroleum Product

Blue Revolution Fish Production

Brown Revolution Leather, Cocoa

Golden Fibre

Revolution

Jute Production

Golden Revolution Overall Horticulture, Honey, Fruit

Production

Green Revolution Agriculture

Production

Grey Revolution Fertilizers

Pink Revolution Onions, Prawn

Red Revolution Meat, Tomato Production

Evergreen

Revolution

overall agriculture

production growth

Round Revolution Potato Production

Silver Fibre Revolution

Cotton Production

Silver Revolution Egg Production

White Revolution Dairy, Milk Production

Yellow Revolution Oil Seed Production

Round Revolution Potato

27. Indian & International Bank Taglines

Indian Banks and their Taglines

Banks HQ Tagline

State Bank India

Mumbai The Banker to Every Indian

Axis Bank Mumbai Badhti ka Naam Zindagi

Bank of India Mumbai Relationship Beyond Banking

Central Bank of India

Mumbai Central to You Since 1911

Dena Bank Mumbai Trusted Family Bank

HDFC Bank Mumbai We Understand your World

IDBI Bank Mumbai Banking for all/ Aao Sochein Bada

ICICI Bank Mumbai Hum hai na, Khayal Apka

IDFC Bank Mumbai Banking Hatke


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30

IndusInd Bank

Mumbai We Make you Feel Richer/We Care; Dil Se

Kotak Mahindra Bank

Mumbai Let's Make Money Simple

Yes Bank Mumbai Experience Our Expertise

Bank of Maharashtra

Pune Ek Parivar ek Bank/One Family One Bank

Allahabad Bank

Kolkata A Tradition of Trust

Bandhan Bank

Kolkata Aapka Bhala Sabki Bhalai

United Bank of India

Kolkata The Bank that Begins with “U”

UCO Bank Kolkata Honors your Trust

Union Bank of India

Mumbai Good People to Bank with

Punjab National bank

New Delhi

The Name You Can Bank Upon

Punjab and Sind Bank

New Delhi

Where Service is a Way of Life

Canara Bank Bengaluru

Together We Can

Vijaya Bank Bengaluru

A Friend You Can Bank Upon

Syndicate Bank

Manipal Faithful and Friendly

Corporation Bank

Mangalore

Prosperity for all

Karnataka Bank

Mangalore

Your Family Bank, Across India

Indian Bank Chennai Your Own Bank Indian Overseas Bank

Chennai Good People to Grow With

Lakshmi Vilas Bank

Chennai The Changing Face of Prosperity

South Indian Bank

Kerala Experience Next Generation Banking

Andhra Bank Hyder-abad

Where India Banks

Bank of Baroda

Vado-dara

India’s International Bank

Citi Union bank

Tamil Nadu

Trust and Excellence since

1904 Karur Vysya Bank

Tamil Nadu

Smart Way to Bank


Guru-gram, Haryana

Where Every Individual is Committed

Federal bank Kochi Your Perfect Banking Partner

International Banks and their Taglines

Bank Tagline

American Express Bank

Do More

BNP Paribas The Bank for a Changing World

Barclays Bank Fluent in Finance Citi Bank Let’s Get it Done / The

Citi Never Sleeps DBS Bank Living, Breathing Asia Deutsche Bank A Passion to Perform HSBC Bank World’s Local Bank JPMorgan Chase Bank

The Right Relationship is Everything

Royal Bank of Scotland

Make It Happen

Scotia Bank You’re Richer Than You Think

Standard Chartered Bank

Your Right Partner

28. Union Cabinet Ministers & their Constituency

https://bit.ly/2mdJPmF


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31

Department Ministers

Ministry of Personnel, Public Grievances and Pensions, Ministry of Atomic Energy, Ministry of Space All Important Policy Issues, All Other Portfolios not allocated to any Minister

Narendra Modi

Ministry of Home Affairs Rajnath Singh

Ministry of External Affairs Sushma Swaraj

Ministry of Road Transport & Highways, Ministry of Shipping, Ministry of Water Resources, River Development and Ganga Rejuvenation

Nitin Jairam Gadkari

Union Minister of Finance and Corporate Affairs

Arun Jaitley

Ministry of Minority Affairs Mukhtar Abbas Naqvi

Minister of Commerce and Industry Ministry of Civil Aviation(Additional charge)

Suresh Prabhu

Ministry of Human Resource Development

Prakash Javadekar

Minister of Law and Justice Minister of Electronics and Information Technology

Ravi Shankar Prasad

Minister of Statistics and Programme Implementation. Ministry of Chemicals and Fertilizers.

D.V. Sadananda Gowda

Minister of Drinking Water and Sanitation

Uma Bharti

Ministry of Consumer Affairs & Food & Public Distribution

Ram Vilas Paswan

Ministry of Railways Minister of Piyush

Coal Goyal

Ministry of Women & Child Development

Maneka Sanjay Gandhi

Ministry of Steel Vishnu Deo Sai

Ministry of Health & Family Welfare

Jagat Prakash Nadda

Ministry of Heavy Industries and Public Enterprises

Anant Geete

Ministry of Food Processing Industries

Harsimrat Kaur Badal

Ministry of Rural Development, Ministry of Panchayati Raj, -Ministry of Mines, Ministry of Parliamentary Affairs.

Narendra Singh Tomar

Ministry of Social Justice & Empowerment

Thawar Chand Gehlot

Ministry of Tribal Affairs Jual Oram

Ministry of Agriculture and Farmers Welfare

Radha Mohan Singh

Minister of Textiles Smriti Zubin Irani

Ministry of Petroleum and Natural Gas, Minister of Skill Development and Entrepren-eurship.

Dharmen-dra Pradhan

Ministry of Science and Technology, Ministry of Earth Science, Ministry of Environment, Forest and Climate Change

Harsh Vardhan

Ministry of Defence Nirmala Sitharaman

29. Census 2011

The Indian Census 2011 was referred to as the seventh census operation after Indian

Independence. The national census 2011 has been run on all the 28 states of the country


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and the seven Union Territories. The data of Indian census 2011 covers all the major aspects of society like population, sex ratio and literacy percentage as well.

• First census was conducted in 1872. • Census 2011 were released in New Delhi on

31st March 2011 by Union Home Secretary GK Pillai and RGI C Chandramouli.

• Census 2011 was the 15th census of India& 7th census after Independence.

• Total estimated cost of the Census was INR 2200 crore (US$350 million).

• Total Population estimated - 1,210,569,573 (1.21 Billion).

• India in 2nd rank in population with 17.64% decadal growth & China is 1st rank with decadal growth 19% (over 1.35 billion).

• Total male Population - [Males - 623.7 million (51.54%)].

• Total Females Population - 586.46 million (48.46%).

• Highest Populated State - Uttar Pradesh followed by Maharashtra and Bihar.

• Least Populated State - Sikkim • Highest Populated Union territory - New

Delhi • Least populated Union Territory -

Lakshadweep followed by Daman and Diu • Highest Urban population In India-

Maharashtra – 4,11,00,980

• Lowest urban Population in India - Lakshadweep – 26,967

• Highest Rural Population in India - Uttar Pradesh – 13,16,58,339

• Lowest Rural Population in India (state & UT)- Lakshadweep – 33,683

• The next Census will be out by 2021. Sex Ratio (Females per 1000 Males)- 943: 1000

Sex Ratio State

Sex Ratio (Females per 1000 Males)

Kerala (1084)

Lowest sex ratio Haryana (879) Highest sex ratio in UT Pondicherry

(1037) Lowest sex ratio in UT Daman and Diu

(618) Child (0-6 years) sex ratio 914 Highest child (0-6) sex ratio in state

Mizoram (971)

Lowest child (0-6) sex ratio in state

Haryana (830)

Literacy Rate in India

Males 82.14% Females 65.46% Highest Literacy Rate in State

Kerala (94%)

Lowest Literacy Rate in State

Bihar (61.8%)

Highest Literacy Rate in UT

Lakshadweep (91%)

Lowest Literacy Rate in UT

Dadra and Nagar Haveli (76.24%

30. Rivers, Dams & States

State Name River Name

Andhra Pradesh

Somasila Dam Pennar River Srisailam Dam Krishna River

Gujarat Ukai Dam Tapti River Dharoi Dam Sabarmati

River Kadana dam Mahi River Dantiwada Dam Banas River Sardar Sarovar Dam (Narmada

Narmada River

Dam) Himachal Pradesh and Punjab Border

Bhakra Nangal Dam

Sutlej River

Himachal Pradesh

Pandoh Dam Beas River Nathpa Jhakri Dam

Satluj River

Chamera Dam Ravi River Jammu Baglihar Dam Chenab River


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and Kashmir

Dumkhar Hydroelectric Dam

Indus River

Uri Hydroelectric Dam

Jhelum River

Jharkhand

Maithon Dam Barakar River Chandil Dam Swarnarekha

River Panchet Dam Damodar

River Karnataka

Tunga Bhadra Dam

Tungabhadra River

Linganamakki dam Sharavathi River

Kadra Dam Kalinadi River

Alamatti Dam Krishna River Supa Dam Kalinadi or

Kali river Krishna Raja Sagara Dam

Kaveri River

Harangi Dam Harangi River Narayanpur Dam Krishna River Kodasalli Dam Kali River

Kerala Malampuzha Dam

Malampuzha River

Peechi Dam Manali River Idukki Dam Periyar River Kundala Dam Kundala Lake Parambikulam Dam

Parambikulam River

Walayar Dam Walayar River

Mullaperiyar Dam

Periyar River

Neyyar Dam Neyyar River Madhya Pradesh

Barna Dam Barna River Bargi Dam Narmada

River Bansagar Dam Sone River Gandhi Sagar Dam

Chambal River

Maharashtra

Yeldari Dam Purna river Ujani Dam Bhima River

Pawna Dam Maval River Mulshi Dam Mula River Koyna Dam Koyna River Jayakwadi Dam Godavari

River Bhatsa Dam Bhatsa river Wilson Dam Pravara River Tansa Dam Tansa river Panshet Dam Ambi River Mula Dam Mula river Kolkewadi Dam Vashishti

River Girna Dam Girana river Vaitarna Dam Vaitarna river Khadakwasla Dam

Mutha River

Gangapur Dam Godavari river

Telangana

Radhanagari Dam

Bhogawati River

Lower Manair Dam

Manair River

Mid Manair Dam Manair River and SRSP Flood Flow Canal

Upper Manair Dam

Manair River and Kudlair River

Singur dam Manjira River Nizam Sagar Dam Manjira River

Odisha Indravati Dam Indravati River

Hirakud Dam Mahanadi River

Tamil Nadu

Vaigai Dam Vaigai River Perunchani Dam Paralayar

River Mettur Dam Kaveri River

Uttarakhand

Tehri Dam Bhagirathi River

Dhauli Ganga Dam

31. List of Major Ports in India

Name of the Sea Ports

Coast State

Kandla Western Coast

Gujarat

Mumbai Western Coast

Maharashtra

Jawaharlal Nehru Western Coast

Maharashtra

Marmugoa Western Coast

Goa

Mangalore Western Coast

Karnataka

Cochin Western Coast

Kerala

Haldia Eastern Coast

West Bengal

Paradip Eastern Odisha


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34

Coast Vishakhapatnam Eastern

Coast Andhra Pradesh

Chennai Eastern Coast

Tamil Nadu

Ennore Eastern Coast

Tamil Nadu

Tuticorin Eastern Coast

Tamil Nadu

32. Major Atomic/Thermal/Hydro Power Plants

There are 3 major resources through which Power Station runs in India. 1. Nuclear Power Plants 2. Thermal Power Plants 3. Hydropower Plants

Nuclear Power Plant in India Nuclear power stations are the fourth-largest source of electricity in India after Thermal, Hydroelectric and Renewable sources of electricity. As of 2016, India has 21 nuclear reactors in 7 Nuclear Power plants. Some Nuclear Power plants are under construction and some are planned projects which will be implemented in future.

Atomic Power Station State

Narora Nuclear Power plant Uttar Pradesh

Rawatbhatta Nuclear Power plant

Rajasthan

Kakarpar Nuclear Power plant Gujarat Kaiga Nuclear Power plant Karnataka Kundankullam Nuclear Power plant

Tamil Nadu

Kalpakkam Nuclear Power plant Tamil Nadu Tarapur Nuclear Power plant Maharashtra Rajasthan Atomic Power Station Rajasthan Thermal Power Plant in India Thermal power is the largest source of power in India. There are different types of Thermal power plants based on the fuel used to generate the steam such as coal, gas, and Diesel. About 65% of electricity consumed in India are generated by thermal power plants.

Thermal Power Station State

Singrauli Thermal Power Plant

Madhya Pradesh

Ramagundam Thermal Power Plant

Andhra Pradesh

Dadri Thermal Power plant Uttar Pradesh Talcher Thermal Power plant Odisha Korba Thermal Power plant Chhattisgarh

Vindhyachal Thermal Power plant

Madhya Pradesh

Farakka Thermal Power plant West Bengal Mudra Thermal Power plant Gujarat Sipat Thermal Power plant Chhattisgarh Rihand Thermal Power plant Uttar Pradesh Jharsuguda Thermal Power plant

Odisha

Tiroda Thermal Power plant Maharashtra Anpara Thermal Power plant Uttar Pradesh Barauni Thermal Power plant Bihar Bellary Thermal Power plant Karnataka Durgapur Thermal Power plant

West Bengal

Sikka Thermal Power plant Gujarat Satpura Thermal Power plant Madhya

Pradesh Wanakbori Thermal Power plant

Gujarat

Obra Thermal Power plant Uttar Pradesh Udupi Thermal Power plant Karnataka Simhadri Thermal Power plant

Andhra Pradesh

Hydropower Plant in India Hydropower is one of the oldest and widely used renewable sources of energy. India is the 7th largest producer of hydroelectric power in the world and ranks 3rd worldwide by its total number of dams.

Hydropower Station

City State

Koyna Hydro Electric Power plant

Koyna Maharashtra

Hirakund Hydro Electric Power plant

Mahanadi Odisha

Idukki Hydro Electric Power plant

Periyar Kerala


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Nagarjuna Hydro Electric Power plant

Krishna Andhra Pradesh

Tehri Hydro Electric Power plant

Bhagirathi Uttarakhand

Bhakra Nangal Hydro Electric Power plant

Sutlej Himachal Pradesh

Sardar Sarovar Hydro Electric Power plant

Narmada Gujarat

Nathpa Jhakri Hydro Electric Power plant

Sutlej Himachal Pradesh

Srisailam Hydro Electric Power plant

Krishna Andhra Pradesh

Indirasagar Hydro Electric Power plant

Narmada Madhya Pradesh

Sharavathi Hydro Electric Power plant

Sharavathi Karnataka

Dehar Hydro Electric Power plant

Beas Himachal Pradesh

Kalinadi Hydro Electric Power plant

Kalinadi Karnataka

Teesta Hydro Electric Power plant

Teesta Sikkim

Baira-Siul Hydro Baira Himachal

Electric Power plant

Pradesh

Salal Hydro Electric Power plant

Chenab Jammu and Kashmir

Machkund Hydro Electric Power plant

Machkund Andhra Pradesh, Orissa

Balimela Hydro Electric Power plant

Sileru Odisha

Subarnarekha Hydro Electric Power plant

Subarnarekha Jharkhand

Shivanasamudra Hydro Electric Power plant

Kaveri Karnataka

Loktak Hydro Electric Power plant

Leimtak Manipur

Rihand Hydro Electric Power plant

Rihand Madhya Pradesh, Uttar Pradesh

Rangit Hydro Electric Power plant

Rangit Sikkim

Bansagar Hydro Electric Power plant

Sone Madhya Pradesh

Uri Hydro Electric Power plant

Jhelum Jammu and Kashmir

33. List of Upcoming Sports Venues

Asian Games Asian Games 2018 is a Pan India Multi Continental Event. This 18th Asian Games washeld from 18th August – 2nd September 2018. The Game is also known as Jakarta Palembang 2018.

Sports Venue 2014- Incheon, South Korea

Sports Venue 2018- Jakarta, Palembang, Indonesia

Sports Venue 2022- Hangzhou, China

Commonwealth Games The Commonwealth Games are an international multi-sport event involving athletes from the Commonwealth of Nations. The event was first held in 1930 and has taken place every four years since then.

Venue of CWG 2014 - Glasgow, Scotland


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Venue of CWG 2018 – Gold Coast, Australia Venue of CWG 2022- Birmingham, England

Sports - 69 Gold – 15 Silver - 24 Bronze - 30

Shooting – 9

Saurabh Chaudhary, Rahi Sarnobat

Deepak Kumar, Sanjeev Rajput, Lakshay, Shardul Vihan

Abhishek Verma, Apurvi Chandela, Ravi Kumar

Wrestling – 3

Bajrang Punia, Vinesh Phogat

- Divya Kakran

Sepaktakraw - 1

- - Men’s Team Regu

Tennis – 3

Mixed Double Team - Rohan Bopanna & Sharan Divij

-

Ankita Raina, Prajnesh Prabhakaran

Wushu -4 - -

Santosh Kumar, Surya Bhanu Pratap, Narender Grewal, Roshibina Devi

Kabaddi – 2

- Women's Team

Men's Team

Rowing – 3

Men's Quadruple Sculls Team

-

Dushyant, Men's Lightweight Double Sculls Team

Athletics - 19

Tajinderpal Singh, Neeraj Chopra, Manjit Singh, Arpinder Singh, Jinson Jhonson, Swapna Barman,

Muhammed Anas, Dharun Ayyasamy, Dutee Chand in both 100m & 200m, Hima Das, Sudha Singh,

Seema Punia, Chitra Unnikrishnan

Women's 400m Relay.

Neena Varakil, Jinson Jhonson, Mixed 400m Relay, Men's 400m Relay

Equestrian - 2

-

Fouaad Mirza, Men's Eventing Team

-

Squash - 5 - Women's Team

Saurav Ghosal, Joshana Chinappa, Dipika Pallikal, Men's Team

Bridge - 3 Men's Pair

- Men's Team, Mixed Team

Badminton - 2

- P V Sindhu

Saina Nehwal

Archery – 2 -

Men's Team and Women's Team

Table Tennis- 2

- - Men's Team, Mixed Doubles

Kurash – 2 - Pincky Balhara

Malaprabha Yallappa

Sailing - 3 - 49er FX Women's Team

Harshita Tomar, 49er FX Men's Team

Hockey - 2 - Women's Team

Men's Team

Boxing - 2 Amit Vikas Krishan

Olympics Games

Sports – 13

Gold – 3 Silver – 9 Bronze – 1

Shooting – 4

Manu Bhaker(10m Air Pistol)

Tushar Mane (Boy’s 10m Air Rifle)


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Saurabh Chaudhary(10m Air Pistol)

Mehuli Ghosh (Girl’s 10m Air Rifle)

Judo – 1

Tababi Devi (44 kg)

Weightlifting – 1

Jeremy Lalrinnunga(Boy’s 62 kg)

Badminton – 1

Lakshaya Sen (Boys’ singles)

Wrestling – 1

Simran(Girls’ 10m 43kg freestyle)

Athletics – 2

Suraj Panwar (Boy’s 5000m Walk)

Praveen Chitravel(Boy’s Triple Jump)

Hockey – 2

India’s Men Team

India’s

Women

Team

Archery – 1

Akash Malik (Boy’s recurve)

Indian Premier League

Season 1: Rajasthan Royals Season 2: Deccan Chargers Season 3: Chennai Super Kings Season 4: Chennai Super Kings Season 5: Kolkata Knight Riders Season6: Mumbai Indians Season7: Kolkata Knight Riders Season8: Mumbai Indians. Season9: Sun risers Hyderabad Season10: Mumbai Indians Season11: Chennai Super Kings Pro Kabaddi League

Season 1: Jaipur Pink Panthers Season 2: U Mumba Season 3: Patna Pirates Season 4: Patna Pirates. Season 5: Patna Pirates Season 6: Bengaluru Bulls Indian Super League(ISL)

Season1 (2014): ATLETICO KOLKATA. Season 2 (2015): CHENNAIYIN. Season 3 (2016): ATLETICO KOLKATA. Season 4 (2017): CHENNAIYIN. KERALA BLASTERS have been the Runners –Up twice for the ISL games.

34. List of New Appointments

Person Post PV Bharathi MD-CEO of Corporation Bank


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Raninder Singh Vice-Presidents of the International Shooting Sports Federation (ISSF)

A.S. Rajeev MD & CEO of Bank of Maharashtra

Ajay Narayan Jha Finance Secretary of GoI

Jon Ridgeon CEO of International

Association of Athletics Federations (IAAF)

Bhupesh Baghel CM of Chattisgarh

Ashok Gehlot CM of Rajasthan

Kamal Nath CM of Madhya Pradesh

Zoramthanga CM of Mizoram

Ramphal Pawar Director of National Crime Records Bureau (NCRB)

Brijendra Pal Singh

President of Film and Television Institute of India (FTII) Society

Rajiv Mehrishi Vice-Chair of the United Nation's Panel of Auditors

Shaktikanta Das RBI Governor

Arundhati Bhattacharya

Chairman of SWIFT (Society for Worldwide Interbank Financial Telecommunication)

Krishnamurthy Subramanian

Chief Economic Advisor (CEA)

Madhavi Divan Additional Solicitor General (ASG)

Uday Shankar Vice-President of FICCI

Srinivas Kandula Chairman of Capgemini

Pranab Kumar Chairman of CBIC

Das

Nilanjan Roy CFO of Infosys

Rajeev Mehta President of the South Asian Fencing Federation (SAFF)

Sangeeta Verma Member of Competition Commission of India (CCI)

Ambika Prasad Panda

CMD of South Eastern Coalfields Limited (SECL).

Pranav R Mehta President of Global Solar Council (GSC)

Gita Gopinath Chief Economist at IMF

Kumar Rajesh Chandra

Director General of the Sashastra Seema Bal (SSB).

Vinod Kumar Yadav

Chairman of Railway Board

B Radhakrishnan CJ of Telangana HC

Sudhir Bhargava Chief Information Commissioner in the CIC.

Jaideep Govind Secretary General of NHRC

TCA Anant & Rajiv Nayan Choubey

Member of UPSC

Manu Sawhney CEO of ICC

V Vaidyanathan MD and CEO of IDFC First Bank

Juan Guaido President of Venezuela

Rishi Kumar CBI Director

Parthasarathi Mukherjee

MD of Lakshmi Vilas Bank

Ravneet Gill CEO of Yes bank

35. National Parks & Wildlife Sanctuaries

State National Park Wildlife

Sanctuary

Andaman & Nicobar

Campbell National Park

Barren Island Wildlife Sanctuary Sir Hugh Rose Island Wildlife Sanctuary

Andhra Pradesh

Sri Venkates-wara National Park Papikonda

Krishna Wildlife Sanctuary Kolleru Lake

National Park Arunachal Pradesh

Namdapha National Park Mouling National Park

Dibang Wildlife Sanctuary Talley Valley Wildlife Sanctuary

Assam Dibru Saikhowa National Park Kaziranga National Park Manas National Park

Sonai Rupai Wildlife Sanctuary Pabha Wildlife Sanctuary Dipor Bil


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Orang National Park

Wildlife Sanctuary

Bihar Valmiki National Park

Gautam Buddha Wildlife Sanctuary Rajgir Wildlife Sanctuary

Chhattis-garh

Indravati National Park Guru Ghasidas National Park

Bhairam-garh Wildlife Sanctuary

Goa Bhagwan Mahavir National Park

Bondla Wildlife Sanctuary Salim Ali Bird Sanctuary

Gujarat Gir forest national park Blackbuck National Park Marine National park

Indian Wild Ass Sanctuary Kutch Desert Wildlife Sanctuary

Jammu & Kashmir

Dachigam National Park Hemis National Park

Karakoram Wildlife Sanctuary Hirpora Wildlife Sanctuary

Jharkhand Betla National Park

Palamau Wildlife Sanctuary Dalma Wildlife Sanctuary

Karnataka Anshi National Park Bandipur National Park Bannerghatta National Park

Ghatapra-bha Wildlife Sanctuary Bhimgad Wildlife Sanctuary Sharavathi Valley Wildlife Sanctuary

Kerala Periyar National Park Anamudi National Park

Parambi-kulam Wildlife Sanctuary Malabar Wildlife Sanctuary

Madhya Pradesh

Van Vihar National Park Kanha Kisli National Park Fossil National Park Bandhavgarh National Park

Bori Wildlife Sanctuary Ken Gharial Sanctuary Gandhi Sagar Sanctuary

Maharashtra Chandoli National Park Sanjay Gandhi National Park Tadoba National Park Pench National Park

Great Indian Bustard Wildlife Sanctuary Phansad Wildlife Sanctuary Koyna Wildlife Sanctuary

Manipur Keibul Lamjao National Park Balphakram National Park

-

Meghalaya Nokrek National Park

-

Mizoram Phawngpui Blue Mountain National Park

Dampa Tiger Reserve

Nagaland Intanki National Park

-

Odisha Bhitarkanika National Park Simlipal National Park

Chilika Bird Sanctuary

Punjab - Abohar Wildlife Sanctuary Harike Lake Wildlife Sanctuary

Rajasthan Desert National Park

Mount Abu Wildlife


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Keoladeo National Park Rantham-bore National Park Darrah National Park

Sanctuary Sariska Tiger Reserve

Sikkim Kanchend-zonga National Park

Kyongnosla Alpine Wildlife Sanctuary

Tamil Nadu Gulf of Mannar National Park Palani Hills National Park Mudumalai National Park

Point Calimere Wildlife Sanctuary

Telangana Mahavir Harina Vanasthali National Park

Eturnag-aram Wildlife Sanctuary Pranahita Wildlife Sanctuary

Tripura Bison National Park Clouded Leopard National Park

-

Uttarakhand Valley of Flowers National Park Rajaji National Park Nanda Devi National Park Jim Corbett National Park

-

Uttar Pradesh

Dudhwa National Park

Kaimur Sanctuary Okhla Bird Sanctuary

West Bengal Neora National Park

Buxa Tiger Reserve Murti Wildlife Sanctuary

36. Important Days

SEPTEMBER

Date Day Theme

1st September

National Nutrition Week

-

5th September

Teachers’ Day -

8th September

International Literacy Day

Literacy and skills

development.

16th September

World Ozone Day

Keep Cool and Carry on: Montreal Protocol

21st September

Alzheimer’s Day

Science and technology for a sustainable

future

27th September

World Tourism Day

Tourism and the Digital

Transformation 29th

September World Heart

Day -

OCTOBER

Date Day Theme

1st October International

Day for the Elderly

Celebrating Older Human

Rights champions

2ndOctober

Gandhi Jayanthi/

International Day of Non-

Violence

-

5th October World

Teachers' Day

The right to education

means the right to a qualified

teacher

9th October World Post Office Day

-

10th October

World Mental Health Day

Young people and mental health in a

changing world

11th October

International Day of the Girl

Child

With Her: A Skilled Girl

Force

12th World Arthritis It's in your


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41

October Day hands, take action

13th October

International Day for Disaster

Reduction

-

15th October

International Day of Rural

Women

Sustainable infrastructure,

services and social

protection for gender equality

and the empowerment of rural women

and girls 16th

October World Food

Day Our Actions

Are Our Future

24th October

World Development Information

Eliminate Hepatitis

Day/UN Day

NOVEMBER

Date Day Theme 5th

November World Tsunami

Day -

10th November

World Science Day for Peace

and Development

Science, a Human Right

14th November

Children’s Day/Diabetes

Day

The Family and Diabetes

16th November

International Day for

Tolerance

19th November

World Toilet Day

When nature calls, we need a

toilet 26th

November Constitution

day

37. Joint Military Exercises

Name of

Exercise

Countries Place

Coordinated Patrol (CORPAT)

India and Bangladesh

Chittagong, Bangladesh

Malabar India, US and Japan

Guam, Western Pacific Pacific Ocean.

Harimau Shakti

India and Malaysia

Hulu Langat forest, Malaysia

Varuna India and France

Phase- I: Mormugao Port Trust (MPT),Vasco da Gama, Goa Phase –II: Chennai coast Phase-III: La Reunion Island

Surya Kiran XIII

India and Nepal

Pithoragarh, India

Lamitye VIII India and Seychelles

Mahe, Seychelles

Shakti IV India and France

Mailly – le – Camp. France

Vajra Prahar India and US Joint Base Lewis-McChord, United States

Vinbax 1 India and Vietnam

Jabalpur in Madhya Pradesh

Hamesha Vijayee

Southern Command

Rajasthan

Ekuverin VIII India and Maldives

Belgaum, India

Ajeya Warrior

India and UK Mahajan Firing Range, India

IMBAX I India and Myanmar

Shillong, India

Danx 50 Parachute Brigade

Andaman & Nicobar Islands, India

Sampriti VII India and Bangladesh

Shillong, India

PRABAL DOSTYK

India And Kazakhstan Army

Himachal Pradesh, India

INDRA Indo-Russia Armed Forces

Sea Of Japan Near Vladivostok, Russia

MITRA SHAKTI

India - Sri Lanka Army

Pune, India

YUDH ABHYAS

United States And Indian Army

Washington, US

Maitree Indian Army and Royal Thailand Army

Himanchal Pradesh, India

Thar Shakti X Corps Rajasthan, India NOMADIC ELEPHANT

India-Mongolian Military

Mizoram, India


2018

42

Exercise Bold Kurukshetra

India and Singapore

Madhya Pradesh, India

AL-NAGAH-II Oman And Indian Army

Himachal Pradesh, India

Khanjar IV India and Kyrgyzstan

Kok Jhangak, Kyrgyzstan

38. Reports & Indices

Report/

Index

Publis-

hed by

HQ Rank

Ease of Doing Business Report

World Bank

Washington DC

77

International Intellectual Property Index

US chamber of Commerce Global innovation Policy Centre

US 44

Global Gender Gap Index

World economic forum

Switzerland

108

Gender Parity Index

UNESCO Paris, France

108

World Happiness Report

United nations sustainable development solution network

133

World Migration Report

International Migration Organisation

Geneva, Switzerland

1

Global Competitiveness Index

World Economic Forum

58

Environmental Performance Index


Switzerland

177

Global Hunger Index

International Food Policy Research

Washington

103(2017)

Inclusive Internet Index

Econo-mist Intellig-ence Unit

- 47

World Press Freedom Index

Reporters without Border

France 138

Foreign Direct Investment Confidence Index 2018

AT Kearney

11

World Competitiveness Ranking 2018

International Institute for Management Development

Lausanne, Switzerland

45

Global Peace Index 2018

Institute for Economics & Peace

136

Energy Transition Index


Cologny, Switzerland

78

39. Classical Folk Dances

Classical Dance


2018

43

Dance State

Bharatanatyam Tamil Nadu

Manipuri Manipur

Odissi Odisha

Kuchipudi Andhra Pradesh

Kathakali Kerala

Kathak Uttar Pradesh

Sattriya Assam

Mohiniyattam Kerala

Folk Dance

Dance State

Rasleela Uttar Pradesh

Bihu Assam

Fugdi Goa

Garba, Dandiya Raas Gujarat

Raut Nacha Chhattisgarh

Maach Madhya Pradesh

Thang Ta Manipur

Dumhal, Rauf Jammu and kashmir

Nati Himachal pradesh

Giddha, Bhangra Punjab

Ghumura Odisha

Lavni Maharashtra

Ghoomar, Kalbelia Rajasthan

Puli Kali Kerala

Chhau West Bengal

40. Stock Exchanges Around the World

Stock Exchange Country

Located

Bombay Stock Exchange India

National Stock Exchange of India

India

Euronext European Union

B3 Brazil

Shanghai Stock Exchange China

Hong Kong Stock Exchange Hong Kong

NASDAQ USA

Tokyo Stock Exchange Japan

London Stock Exchange UK

Bombay Stock Exchange has become the India’s

first exchange to be designated as a Designated Offshore Security Market by US security and

exchange Commission.

41. Nick Names of Cities

Nicknames Cities

City of Pearls Hyderabad Silicon Valley of India Bengaluru

Venice of East Alappuzha Mini Bombay Indore

Manchester of East Kanpur

Athens of East Madurai Blue City Jodhpur

Orange city Nagpur Cotton City Akola

Land of Litchi Muzaffarpur Queen of Arabian Sea Kochi

City of Black Diamonds Dhanbad


2018

44

Sandalwood City Mysore

42. International Organisations & Headquarters

International

Organization

Headed by HQs

United Nations Organisation

Antonio Guterres, Sec-General

New York, U.S

International Monetary Fund

Christine Lagarde, MD

Washington D. C, Columbia

World Bank Jim Yong Kim, President

Washington D. C, Columbia

World Trade Organisation

Roberto Azevedo, Director-General

Geneva, Switzerland

UNESCO Audrey Azoulay, Director-General

Paris, France

New Development Bank, BRICS

K. V. Kamath, President

Shanghai, China

Asian Infrastructure Investment Bank

Jin Liqun, President

Beijing, China

International Court of Justice

Abdulqawi Ahmed Yusuf, President

Peace Palace,Netherlands

UN General Miroslav Lajcak, New York,

Assembly President U.S Asian Development Bank

Takehiko Nakao, President

Mandaluyong, Philippines

World Health Organistaion

Tedros Adhanom Ghebreyesus, Director-General

Geneva, Switzerland

International Olympic Committee

Thomas Bach, President

Lausanne, Switzerland

International Atomic Energy Agency

Yukiya Amano, Director-General

Vienna, Austria

North Atlantic Treaty Organization,NATO

Jens Stoltenberg, Sec-General

Brussels, Belgium

ASEAN Lim Jock Hoi, Sec-General

Jakarta, Indonesia

SAARC Amjad Hussain B Sial, Sec-General

Kathmandu

43. Famous Temples

Temple Year Place Built By

Virupaksha Temple

7th Century

Hampi, Karnataka

Queen Lokhama- hadevi

Meenakshi Temple

1623- 1655 CE

Madurai Tamil Nadu

Vishwanantha Nayakar

Ramanatha swamy Temple

7th– 8th century

Rameshwaram Island, Tamil Nadu

Pandya & Jaffna Kings

Suchindram Temple

17th century

Kanyakumari, Tamil Nadu

Nambudiri Brahmins

Vitthala Temple

15th century

Hampi, Karnataka

King Devaraya II

Brihadesh 11th Thanjavur, Raja Raja

wara Temple

century

Tamilnandu

Chola I

Airavateswara Temple

12th century

Darasuram Rajaraja Chola II

Venkateswara Temple

300 AD

Tirumala, Andhra Pradesh

King Thondaiman

Kashi Vishwanath

1780 Varanasi, Uttar Pradesh

Ahilya Bai

Lord Jagannath Temple

1611 Puri, Odisha

Indrady- umna

Vaishno Devi Temple

– Jammu –

Somnath – Gujarat Moon God


2018

45

Shirdi Sai Baba Temple

1922 Shirdi, Maharashtra

–

Badrinath 9th century C.E

Uttarakhand

Adi Shankara

Kedarnath 8th century

Garhwal area Uttarakhand

Pandavas

Konark Sun Temple

13th century

Odisha Narasimha deva

Sanchi Stupa

3rd century BC

Raisen, Madhya Pradesh

Asoka

Siddhivinayak

18th centu

Prabha Devi,

–

Temple ry Mumbai The Golden Temple

1577 Amritsar, Punjab

Guru Ram Das

Mahabodhi Temple

3rd century B.C

Bihar Ashoka

Kamakhya Temple

8th-17th century

Nilachal Hill, Guwahati

–

Amarnath Cave Temple

– Jammu and Kashmir

Natural formation

Yamunotri Temple

19th century

Uttarkashi, Uttarakhand

Maharani Gularia

Gangotri Temple

18th century

Uttarkashi, Uttarakhand

Amar Singh Thapa

44. Stadiums in India

Name City/Location

Baichung Stadium Namchi Bakshi Stadium Srinagar Barabati Cuttack Barkatullah Khan Jodhpur Barkatullah University Stadium Bhopal Biju Patnaik Hockey Stadium Rourkela Birsa Munda Athletics Ranchi Brabourne Mumbai Buddh International Circuit Greater Noida Cooperage Football Stadium Mumbai Dhyan Chand National Delhi Dy Patil Navi Mumbai Eden Gardens Kolkata East Coast Railway Stadium Bhubaneswar Feroz Shah Kotla Delhi Green Park Stadium Kanpur Guru Gobind Singh Stadium Nanded Guru Nanak Stadium Ludhiana

JSCA International Cricket Stadium

Ranchi

Kanchenjunga Stadium Siliguri Lal Bahadur Shastri Hyderabad M. Chinnaswamy Bangaluru Ma Chidambaram Chennai New Bangalore Football Stadium

Bangalore

Punjab Cricket Association IS Bindra Stadium

Mohali

Salt Lake Stadium Kolkata Sardar Vallabhbhai Patel Stadium

Ahmedabad

Sawai Mansingh Jaipur Sector 42 Stadium Chandigarh Sher-i-Kashmir Stadium Srinagar Vidarbha Cricket Association Stadium

Nagpur

Wankhede Mumbai

45. Boundary Lines

• Radcliffe Line - This is the boundary line

between India and Pakistan. It was

drawn by Sir Cyril Radcliffe on 17th

August 1947 because of the separation between the two countries.

• Durand Line - This demarcates the

boundary of Pakistan and Afghanistan.

• Hindenburg Line - This is the boundary

dividing Poland and Germany.

• McMahon Line - It is the boundary line

between India and China and it was

drawn by Sir Henry McMahon.

• Marginal Line - This line was drawn up

by General Mannerheim between


2018

46

Russia-Finland border. It is a 320-km line of fortification.

• Maginot Boundary Line - This boundary

line demarcates France and Germany

• Oder-Neisse Line - This line was drawn

between Poland and Germany after the

Second World War

• 8th Parallel - It is the boundary between

North and South Korea.

• 49th Parallel - This represents the

boundary between Canada and USA.

• Mannerheim Line - This line demarcates

Russia and Finland.

• Mason-Dixon Line - It is a line of

demarcation between four states in the United State.

• Siegfried Line - It is the boundary

between Germany and France.

• 24th Parallel - Pakistan feels that this

should be the actual line between India

and Pakistan. However, India does not

approve of this.

• 17th Parallel - It defined the boundaries

between North and South Vietnam

before they unit

46. Books & Authors

Authors Books

Dr Rajesh Bhat Radio Kashmir – In Times of Peace & War

Krishna Trilok 'Notes of a Dream: The Authorized Biography of AR Rahman',

Karunya Keshav and Sidhanta Pathak

'The Fire Burns Blue: A History of Women's Cricket in India'

Stephen Hawking "Brief Answers to the Big Questions"

Vijayan Bala Indian Sports: Conversations and Reflections

Rima Hooja "Maharana Pratap: The Invincible Warrior"

Paramveer Parwane Prabhakiran Jain

Across the bench - Insight into Indian Military Judicial System Gyan Bhushan Imperfect Sanjay

Manjrekar Bollywood: "The Amitabh

Films", "The Songs", "The Stars"

Bacchhan

The Diary of a Domestic Diva Shilpa Shetty I Do What I Do Raghuram

Rajan Immortal India Amish Tripathi How India Sees the World Shyam Saran The Shershah of Kargil Deepak Surana Kadwe Vachan Tarun Sagar

Maharaj I am HIV Positive. So What? Jayanta Lalita Cyptocurrency for Beginners

Amit Bharadwaj

Making of a Legend Bindeshwr Pathak

Unstoppable: My Life So Far

Maria Sharapova

Dalhousie Through my Eyes Kiran Chadha Playing With Fire Katie Price The Ministry Of Utmost Happiness Arundhati Roy Crisis Within Ganesh Devy Indira Gandhi - A life In Nature Jairam Ramesh Beren and Luthein J.R.R Tolkein "Yug Purus, Bharat Ratna, Atal Ji"

Ramesh Pokhriyal

One Life is not enough Natwar Singh Transcendence: My Spiritual Experiences

APJ Abdul Kalam & Arun


2018

47

with Pramukh Swamij Tiwari Red Tape to Red Carpet…and then some Gina Rinehart Beyond Doubt: A Dossier on Gandhi's Assassination

Teesta Setalvad

Sleeping on Jupiter Anuradha Roy Flood Of Fire Amitav Ghosh How to be Both Ali Smith Sourav Ganguly: Cricket, Captaincy and Controversy

Saptarshi Sarkar

The Red Sari Javier Moro Farishta Kapil Isapuri Modi - Incredible emergence of a star Tarun Vijay Radio Kashmir – In Times of Peace & War

Dr Rajesh Bhat

'Notes of a Dream: The Authorized Biography of AR Rahman',

Krishna Trilok

'The Fire Burns Blue: A History of Women's Cricket in India'

Karunya Keshav and Sidhanta Pathak

"Brief Answers to the Big Questions"

Stephen Hawking

Indian Sports: Conversations and Reflections

Vijayan Bala

"Maharana Pratap: The Invincible Warrior"

Rima Hooja

47. Nobel Prize Winners 2018

Field Winners Description

Medicine or Physiology

James P. Allison & Tasuku Honjo

For the discovery of cancer therapy by inhibition of negative immune regulation

Physics Arthur Ashkin For the optical tweezers and their application to biological systems

Gerard Mourou & Donna Strickland

For their method of generating high-intensity, ultra-short optical pulses

Chemistry Frances H. Arnold

For the directed evolution of enzymes

George P. Smith & Gregory P. Winter

For the phage display of peptides and antibodies

Peace Denis Mukwege & Nadia Murad

For their efforts to end the use of sexual violence as a weapon of war and armed conflict

Economic Sciences

Paul M. Romer For integrating technological innovations into the long-run macroeconomic analysis

William D. Nordhaus

For integrating climate change into the long-run macroeconomic analysis

48. UNESCO World Heritage Site


2018

48

Name of sites Year Location

Ajanta Caves 1983 Maharashtra

Ellora Caves 1983 Maharashtra

Agra Fort 1983 Uttar Pradesh

Taj Mahal 1983 Uttar Pradesh

Sun Temple 1984 Orissa

Mahabalipuram Monuments

1984 Tamil Nadu

Kaziranga National Park

1985 Assam

Keoladeo National Park

1985 Rajasthan

Manas Wildlife Sanctuary

1985 Assam

Churches and Convents of Goa

1986 Goa

Monuments of Khajuraho

1986 Madhya Pradesh

Monuments of Hampi

1986 Karnataka

Fatehpur Sikri 1986 Uttar Pradesh

Elephanta Caves 1987 Maharashtra

Great Living Chola Temples

1987 Tamil Nadu

Pattadakal Monuments

1987 Karnataka

Sundarbans National Park

1987 West Bengal

Nanda Devi & Valley of Flowers National Park

1988 Uttarakhand

Monuments of Buddha

1989 Sanchi, Madhya Pradesh

Humayun’s Tomb 1993 Delhi

Qutub Minar 1993 Delhi

Mountain Railways of Darjeeling, Kalka Shimla & Nilgiri

1999 Darjeeling (West Bengal), Kalka Shimla (Himachal Pradesh), Nilgiri (Tamil Nadu)

Mahabodhi Temple 2002 Bihar

Bhimbetka Rock Shelters

2003 Madhya Pradesh

Chhatrapati Shivaji Terminus

2004 Maharashtra

Champaner- Pavagadh Archaeological Park

2004 Gujarat

Red Fort 2007 Delhi

Jantar Mantar 2010 Rajasthan

Western Ghats 2012 Karnataka, Kerala, Tamil Nadu,


2018

49

Maharashtra

Hill Forts 2013 Rajasthan

Rani Ki Vav (The Queen’s Stepwell)

2014 Gujarat

Great Himalayan National Park

2014 Himachal Pradesh

Nalanda 2016 Bihar

Khangchendzonga National Park

2016 Sikkim

Architectural Work of Le Corbusier

2016 Chandigarh

Historic City 2017 Ahmedabad

Victorian Gothic and Art Deco Ensembles

2018 Mumbai

Documents

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