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Niti Ayog Report PDF Download 2019-2020

Niti Ayog Report PDF Download 2019-2020

NITI AAYOG: AN OVERVIEW

1. Constitution and Composition of NITI Aayog
2. Objectives and Functions of NITI Aayog
3. Administration and Support Units
4. Offices Attached to NITI Aayog

  • Development Monitoring and Evaluation Office (DMEO)
  • National Institute of Labour Economics Research and Development (NILERD)
  • Economic Advisory Council to the Prime Minister

POLICY AND PROGRAMME FRAMEWORK

1. Transformation of Aspirational Districts Programme
2. Nutrition Sector Reforms
3. Health Sector Reforms
4. Agriculture Sector Reforms
5. Higher Education Reforms
6. Energy Sector Reforms
7. Transforming India’s Gold Market

MONITORING AND EVALUATION

1. Development Monitoring and Evaluation Office
2. Performance Dashboards

  • Champions of Change: Aspirational Districts
  • Nutrition
  • Atal Tinkering Labs
  • SDG India Index 2019–20

3. Key Performance Indices

  • SDG India Index
  • India Innovation Index
  • School Education Quality Index
  • Composite Water Management Index
  • State Health Index
  • District Hospital Index
  • State Energy Index

COOPERATIVE FEDERALISM

1. Fifth Governing Council Meeting
2. Sustainable Action for Transforming Human Capital (SATH) in Education
3. Development Support Services to States (DSSS)
4. NITI Forum for North East
5. Holistic Development of Islands
6. Sustainable Development in the Indian Himalayan Region

THINK-TANK ACTIVITIES

1. Increasing Knowledge

  • Adoption of Frontier Technologies: AI Strategy Paper
  • National Health Stack: Strategy and Approach Consultation Paper
  • Strategy for Methanol Economy
  • Strategic Dialogues
  • Sixth India–China Strategic Economic Dialogue
  • Fifth NITI–DRC Dialogue
  • UN ESCAP Asia–Pacific Forum on Sustainable Development
  • High-Level Political Forum on Sustainable Development
  • NITI Lecture Series
  • Economists’ Meet
  • NILERD

2. Promoting Innovation

  • Atal Innovation Mission
  • Women Entrepreneurship Platform

3. Engaging Widely
4. Networking with Think Tanks

SECTORAL OBJECTIVES AND ACHIEVEMENTS

1. Agriculture
2. Career Management Activities
3. Charts, Maps and Equipment Division
4. Culture
5. Data Management and Analysis
6. Decentralized Planning
7. Energy
8. Financial Resources
9. Governance and Research
10. Governing Council Secretariat
11. Health and Nutrition
12. Human Resources Development
13. Industry
14. Information and Broadcasting
15. Infrastructure Connectivity
16. Land and Water Resources
17. Library and Documentation Centre
18. Managing Urbanization
19. Minerals
20. Natural Resources and Environment
21. Official Language Division (Hindi Section)
22. Organization Methods and Coordination
23. Project Appraisal and Management Division
24. Parliament Section
25. Public-Private Partnerships
26. RTI Cell
27. Rural Development
28. Science and Technology
29. Skill Development and Employment
30. Social Justice and Empowerment
31. State Coordination
32. Sustainable Development Goals
33. Tourism
34. Vigilance Section
35. Voluntary Action Cell
36. Women and Child Development

(E-book) Weekly Current Affairs Update for IAS Exam VOL-326


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Public Administration Mains 2019 : Solved Paper-1 (Question: 3)

Public Administration Mains 2019 : Solved Paper Question Paper-1 (Question-3)

SECTION-A

Q3(a) “Globalization has constructed the administrative state to save and serve corporate power structure.” Discuss how transnational corporation impact government and public administration in the contemporary era. 20 Marks

ANSWER: The end of the century and beginning of the new millennium has been characterized by a tight competition between the forces and the conventional methods of social organization (state, nation) and the new appearances (integration, internationalization, globalization), so that, in the international system that configures, some concepts seem to impose, by their frequency: integration, globalization, major concepts, considered by some as a way of reshaping the world, while others are unpredictable sources of trouble.

The state as the traditional major factor in international relations, is in competition with a variety of economical, political, cultural forces in a new formula called governance. A global civilization seems to be the solution towards is heading the society in which we live. Globalization is forcing the states to restructure their national economies, to interconnect with the global economic flows, making them also more vulnerable to the developments in the global economy and to the oscillations of the flows in the world economy. The new ways of economic management of the states, the various competitions between the states competences, plus a number of specific local factors (such as secessionist trends) facilitate a fragmentation of the society. The nation-state ceases to be an effective economic manager.

Although the states continue to be the main actors in international business they already suffer losses of sovereignty, functions, power. Many international institutions take over from the states prerogatives, in almost all cases with their consent and they have the right to judge and to coerce what the states make on their own territory even to exercise jurisdiction and control over national issues. This way, nation-states receive a double blow, on the one hand from the international institutions becoming stronger and more influential, which make a dent in the control over their economies, judicial system, etc. and make them more and more unable to maintain their national character and their cultural homogeneity, and on the other hand, the global market and the globalization mechanisms

(b) “Red light and Green light theories provide contrasting approaches to the role of administrative law.” Which of the two theories will be effective in achieving the objectives of administration law? Justify your choice. 15 Marks

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(c) “The advent of the regulatory regimes indicates the demise of the arbitrator state.” Comment. 15 Marks

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Current Public Administration Magazine (MAY 2020)


Sample Material of Current Public Administration Magazine


1. Accountability and Responsibility

Covid-19 pandemic has re-established primacy of government

In the years after the Second World War, financial crises were frequent. But the current contagion has thrown many countries off guard. There is little or no experience to guide countries on how to tackle such an epidemic. The only alternative, widely adopted now, has been to suspend business as usual and coerce citizenry to recede into the safety of their homes. Unfortunately and expectedly, the suspension of economic activity has scathed sections of the economy and the call to resuscitate the economy must be cognisant of these costs.

It needs no expert to spell out that the shutdown of operations will have serious economic ramifications. However, what remains unknown is the length and the extent of the slowdown. Considering that companies make their production and sales decisions in anticipation, order books of companies may in fact be more severely hit in second quarter of the financial year 2020-21. This has a serious implication for businesses. Large corporations with financial flexibility stemming from internal resources, reserves and access to capital markets may tide over the present liquidity strain as well as shift lines of production with relative ease. Some companies may in fact turn to corporate debt market. However, for companies that cannot access such markets, and the lack of investors can create financial stress. On the other hand, small firms that have wailed for assistance since the implementation of GST will have to go through another round of re-organisation.

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2. Indian Government and Politics

The panchayati front: Tap potential of local self-government to fight COVID-19

An unintended but welcome consequence of the struggle against COVID-19 is that the “confrontational federalism” that has characterised the Centre’s relations with the states, especially those run by non-BJP parties, is now yielding under the pressure of the nation-wide crisis to an element of “cooperative federalism” that was promised in 2014, and then reduced to a “jumla” over the next six years. Repeated teleconferences between the prime minister and the chief ministers has made a centralising establishment accept, however reluctantly, that there is no way the COVID-19 situation can be tackled except through a measure of cooperation between the Centre and the states, with the Centre acknowledging the need to evolve solutions through a consultative process involving the states and offering flexibility to states to adapt guidelines to their respective circumstances, and the states accepting the need for guidelines from the Centre along with adequate availability of funds to meet this wholly unexpected and very expensive contingency.

What is still to be brought upfront and in focus is further devolution to the panchayats and municipalities in keeping with the constitutional obligations under the 73rd and 74th amendments, enshrined for the past quarter century in Parts IX and IX A of the Constitution.

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3. Significant Issues in Indian Administration

Post-COVID economic models, rules of governance, must be bottom-up, not top-down

The World is Flat, Thomas Friedman’s paean to globalisation, begins with a golf game in Bengaluru with the CEO of a global Indian IT firm. When he saw billboards of European and Japanese MNCs around the golf-course, Friedman had a “eureka” moment. He called his wife in the US on his cellphone, and said, “The world is flat”. When Friedman launched his book in New Delhi in 2005, India’s Minister for Panchayati Raj, Mani Shankar Aiyar, disagreed with his view. Jetsetters may be connected with the rest of the world, he said. However, they don’t know what is happening in villages just 50km from where they live.

The sub-title of Friedman’s book was, A Brief History of the 21st Century. The history of the globalisation he was celebrating has turned out to be very brief. In 2020, the global COVID-19 pandemic has forced millions of Indians to return to their villages. Jetsetters have been locked in their gated communities. Global supply chains have been broken apart. People are scrambling for essentials from local suppliers. The ideology of globalisation has hit realities on the ground.

Recovery from COVID-19 is an opportunity to create economies that are more resilient and fair. Three architectural principles must apply.

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4. Current Topic

Online classrooms: Covid lessons for public education

In a global market economy, the Covid 19, more than anything else has taught people all over the world the perils of switching over to insurance driven health care systems, where corporate giants and pharmaceutical companies might call the shots on a nation’s priorities regarding public health. If pecuniary interests and profit rule the pandemic, social justice and inclusivity might not exactly get the prioritisation they demand, especially in many vulnerable situations such as that of India where a vast majority of the nation is too poor to afford private healthcare systems. This holds much relevance for public education too.

Under the looming shadow of a raging pandemic, all schools and universities in America, as in many other parts of the world, have switched on to the online mode. What does this portend for a country like India where a large number of students in our public educational institutions would neither have the technology for this transition, nor the economic or social capital to bridge its inequity? Would technologically driven classrooms end up furthering both social and economic distancing, in the process unwittingly conjuring the remnants of our half-buried feudal pasts to come back and haunt the portals of our learning? For example, how would the daughter of a Dalit agricultural labourer from a remote village in Attappadi overcome this hurdle? How would the digital divide, exacerbated by class, caste, religion, gender, region, and rural/urban locations, complicate the availability, accessibility and affordability of our public education?

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5. Financial Administration

The making of a polite, people-friendly police

Every crisis throws up a challenge and is an opportunity to prove one’s mettle. COVID-19 has posed a set of unique challenges for the Indian Police. There had never been any such crisis before and the police manuals have no standard operating procedures to deal with the situation. Hence, it is heartening to see how the police rose to the occasion and not only met the expectations of the people, but, perhaps, went beyond that.

The police were called upon to enforce the lockdown, which they did. In the process, some excesses were committed. There were reports from different parts of the country about people being beaten up with lathis, migrant labour being ask to squat (murga position) in punishment etc.

However, the police leadership addressed these aberrations promptly. The Indian Police Foundation, a think tank that studies issues concerning police, prepared guidelines that the state police could follow. The advisories produced visible results in no time. Policemen were seen not only enforcing the regulatory orders, but also extending humanitarian assistance to those in distress. At the local level, they coordinated with several NGOs like the Vivekananda Kendra to distribute relief material among those hit by the closure of economic activities. Patrol cars, whenever not otherwise engaged, were utilised to transport the sick to hospitals or bring succour to senior citizens. There were even cases of policemen giving their blood to patients in critical condition. The tragedy is that even though they were performing duties under such hazardous conditions, there were incidents of people attacking and throwing stones at them. In Punjab, a crazy Nihang chopped off the hand of an ASI. The stories are far too many to be reiterated here.

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(E-book) Weekly Current Affairs Update for IAS Exam VOL-325


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Public Administration Mains 2019 : Solved Paper-1 (Question: 2)

Public Administration Mains 2019 : Solved Paper Question Paper-1 (Question-2)

SECTION-A

Q2 (a) “Governance is neither a paradigm nor a panacea for all the ills of government. It may be a more useful approach when other methods fail in providing public service.” Critically evaluate. 20 Marks

ANSWER: Governance has been defined to refer to structures and processes that are designed to ensure accountability, transparency, responsiveness, rule of law, stability, equity and inclusiveness, empowerment, and broad-based participation.

Governance also represents the norms, values and rules of the game through which public affairs are managed in a manner that is transparent, participatory, inclusive and responsive. Governance therefore can be subtle and may not be easily observable. In a broad sense, governance is about the culture and institutional environment in which citizens and stakeholders interact among themselves and participate in public affairs. It is more than the organs of the government.

Governance systems set the parameters under which management and administrative systems will operate. Governance is about how power is distributed and shared, how policies are formulated, priorities set and stakeholders made accountable.

Governance is commonly defined as the exercise of power or authority by political leaders for the well-being of their country’s citizens or subjects. It is the complex process whereby some sectors of the society wield power, and enact and promulgate public policies which directly affect human and institutional interactions, and economic and social development.

The power exercised by the participating sectors of the society is always for the common good, as it is essential for demanding respect and cooperation from the citizens and the state. As such, a great deal about governance is the proper and effective utilization of resources.

(b) With the entry of the concept of ‘good governance’ the discipline of Public Administration has shed its statist character. Explain. 15 Marks

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(c) Has New Public Management failed in promoting a democratic polity? Analyze in the contexts of individuals as a citizen and individuals as a costumer. 15 Marks

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THE GIST of Editorial for UPSC Exams : 06 June 2020 (Delhi must build power-balancing alliance, or come to honourable accommodation with China(Indian Express))



Delhi must build power-balancing alliance, or come to honourable accommodation with China(Indian Express)



Mains Paper 2:International
Prelims level: Line of actual control
Mains level: India and China boundary settlement

Context:

  • Prime Minister Jawaharlal Nehru has been rightly excoriatedfor his government’s nonchalancein the face of stealthy Chinese incursions into eastern Ladakh in the 1950s and 60s, and the lame justification offered by him for the inaction.
  • “Not a blade of grass grows in Aksai Chin,” he told Parliament, suggesting that the loss of this barren plateau was no big deal.

Unmarked LAC:

  • The debate has persisted whether it was ...........................................................................

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Failure to negotiate a boundary settlement:

  • Post-conflict, it is customary for belligerentsto undertake early negotiations, in order to establish stable peace and eliminate the casus belli.
  • Strangely, in the Sino-Indian context, it took 25 years and a serious military confrontation in 1987 to trigger a dialogue — leading the two countries to sign the first-ever Sino-Indian Border Peace and Tranquility Agreement (BPTA) in 1993.
  • Indian diplomats claim that this has helped maintain “mutual and equal security”, while the bilateral relationship has progressed in other spheres.
  • And yet, the failure to negotiate a boundary settlement after 22 meetings of special representatives of the two countries cannot be seen as anything but a failure of statesmanship and diplomacy.

Chinese tactics:

  • In stark contrast to India’s vacuous strategic thinking, China’s post-civil war leadership had conceived an early vision of the country’s future.
  • Ambitious and realist in scope, this strategy visualised China attaining, in the fullness of time, great-power status and acquiring a nuclear-arsenal.
  • Since the vision saw no..........................................................................................

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Land grabs:

  • In China’s grand-strategy, an undefined LAC has become a vital instrumentality to embarrass and keep India off-balance through periodic transgressions.
  • These pre-meditated “land-grabs”, blunt messages of intimidation and dominance, also constitute a political “pressure-point” for New Delhi.
  • While Indian troops have, so far, shown courage and restraint in these ridiculous brawls with the PLA, there is no guarantee that in a future melee, a punch on the nose will not invite a bullet in response.
  • In such circumstances, rapid escalation into a “shooting-war” cannot be ruled out.
  • Thereafter, should either side face a major military set-back, resort to nuclear “first-use” would pose a serious temptation.

Balancing the power:

  • For reasons of national security as well as self-respect, India cannot continue to remain in a “reactive mode” to Chinese provocations and it is time to respond in kind.
  • Since India’s choices vis-à-vis China are circumscribed by the asymmetry in comprehensive national power, resort must be sought in realpolitik.
  • According to theorist Kenneth Waltz, just as nature abhors a vacuum, international politics abhors an imbalance of power.
  • Any country when faced with hegemonic threats, then those states must seek security in one of three options:
  • Increase their own strength, ally with others to restore power-balance, or, as a last resort, jump on the hegemon’s bandwagon.

Self-interest:

  • India’s decision-makers can start by posing this question to the military: “For how long do you have the wherewithal to sustain a combat against two adversaries simultaneously?”
  • Depending on the response, they can consider the options.
  • Today, India has greater freedom of action and many options to restore the balance of power vis-à-vis China.
  • Even as Xi Jinping opens multiple.....................................................................................................

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Conclusion:

  • However, if ideological or other reasons precludethe building of a power-balancing alliance, coming to an honourable accommodation with China remains a pragmatic option.
  • The price of finding a modus vivendi for the Sino-Indian border dispute may be worth paying if it neutralises two adversaries at one stroke and buys lasting peace.
  • Neither option will be easy to “sell”.
  • But given his nationalist credentials, a huge parliamentary majority that has enabled many difficult decisions, Prime Minister Modi is possibly the only leader who can do it.

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THE GIST of Editorial for UPSC Exams : 06 June 2020 (Canberra connect (Indian Express))



Canberra connect (Indian Express)



Mains Paper 2:International Relations
Prelims level: RCEP
Mains level: Areas of cooperation between India and Australia

Context:

  • Australia has loomedlarge in modern India’s consciousness — as the land of cricket champions.
  • There was little else binding the two nations during the 20th century despite the shared English language and common political values.

Steady improvement:

  • Over the last decade, though, there has been a steady improvement in the quality and intensity of the political, commercial, cultural, educational and technological engagement.
  • This was reinforced ............................................................................................

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Defence and security cooperation:

  • It was no surprise that defence and security cooperation have been at the core of the outcomes from the deliberations between the two leaders.
  • The muscular assertiveness of a rising China and the uncertain trajectory of America are compelling most Asian middle powers to insureagainst the new dangers by enhancing mutual cooperation.
  • Both India and Australia have been stepping up their strategic collaboration with other key nations in the region, including Japan, South Korea, Vietnam and Indonesia.

Bilateral security cooperation:

  • It was a matter of time before Delhi and Canberra elevated their own bilateral security cooperation in response to a rapidly changing regional environment.
  • A major highlight of the summit meeting was the declaration on the shared vision for securing the troubled waters of the Indo-Pacific.
  • This vision was reinforced by a mutual logistics support agreement.
  • The agreement offers the armed forces of the two nations reciprocal access to each other’s military facilities and facilitates seamless cooperation across the high seas.
  • Equally significant was a third agreement for cooperation in cyber and cyber-enabled critical technology domains.

Strategic convergence:

  • If Delhi and Canberra were ranged on opposite sides of the Asian strategic divide during the 20th century, this week’s summit highlights the strategic convergence between them in the 21st century.
  • While the focus on security ..................................................................................................

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Conclusion:

  • The failure to rejuvenatethe domestic economy, confusing political rhetoric on self-reliance, and ambivalenttrade posture now threaten to undermine the possibilities for expanding the arc of India’s strategic partnerships across the Indo-Pacific and beyond.

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THE GIST of Editorial for UPSC Exams : 06 June 2020 (A right time to shift pharma gears (The Hindu))



A right time to shift pharma gears (The Hindu)



Mains Paper 3:Economy
Prelims level: Not much
Mains level: Research and development needed in the pharma companies

Context:

  • We are living in the shadow of the COVID-19 pandemic.
  • We are anxious about our families, our friends and ourselves, depressed by worldwide suffering and anxiety, upset by knowing that once more the poor and marginalised are worse affected.
  • Could the rules and practices organising health care around the world have been better suited to this outbreak?
  • Consider the Health Impact Fund as a plausibleinstitutional reform of the current regime for developing and marketing new pharmaceuticals.

Medicines:

  • Medicines are among .......................................................................................

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Rewards through earnings:

  • Commercial pharmaceutical research and development efforts are encouraged and rewarded through the earnings that innovators derive from sales of their branded products.
  • These earnings largely depend on the 20-year product patents they are entitled to obtain in WTO member states.
  • Such patents give them a temporary monopoly, enabling them to sell their new products without competition at a price far above manufacture and distribution costs, while still maintaining a substantial sales volume.
  • In India, the profit-maximising monopoly price of a new medicine is much lower, but similarly unaffordable for most citizens.
  • To be sure, before such huge markups can yield any profits, commercial pharmaceutical innovators must first cover their large research and development costs, currently ₹14 lakh crore/year.
  • Costs include are that of clinical trials needed to demonstrate safety and efficacy, the cost of capital tied up during the long development process, and the cost of any research efforts that fail somewhere along the way.

Concerns for Research and development:

  • While we should evidently continue funding pharmaceutical research and development, it is worth asking whether our current way of doing so is optimal.

There are three main concerns:

  • First, innovators motivated by the prospect of large markups tend to neglect diseases suffered mainly by poor people, who cannot afford expensive medicines.
  • The 20 WHO-listed neglected tropical diseases together afflict over one billion people but attract only 0.35% of the pharmaceutical industry’s research and development.
  • Merely 0.12% of this research and development spending is devoted to tuberculosis and malaria, which kill 1.7 million people each year.
  • Second, thanks to a large number of affluent or well-insured patients, the profit-maximising price of a new medicine tends to be quite high.
  • Consequently, most people around the world cannot afford advanced medicines that are still under patent.
  • This is especially vexing ........................................................................................

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On funding:

  • Long-term funding for the Health Impact Fund might come from willing governments — contributing in proportion to their gross national incomes.
  • Non-contributing affluent countries would forgo the benefits - the pricing constraint on registered products would not apply to them.
  • This gives innovators more reason to register and affluent countries reason to join.
  • The Health Impact Fund would get pharmaceutical firms interested in certain research and developmentprojects that are unprofitable under the current regime – especially ones expected to produce large health gains among mostly poor people.
  • Such projects would predominantly address communicable diseases, which continue to impose devastating disease burdens mainly upon the poor.
  • With the Health Impact Fund in place, there would be much deeper and broader knowledge about such diseases.
  • Pharmaceutical innovators would thus have been much better prepared to supply or develop suitable medicines for containing the COVID-19 outbreak.
  • The Health Impact Fund would make an important difference also by rewarding for health outcomes rather than sales.
  • For selling a medicine, it helps, of course, if this medicine is known to be effective.
  • But it is quite possible to sell a relatively ineffective drug or to sell a drug to patients who will not benefit from it or would benefit more from another.
  • With exorbitant markups, this sort of thing happens often. Firms seek to influence hospitals, insurers, doctors and patients to use their patented drug.

Different strategies:

  • For achieving health gains with their product, innovators need different strategies.
  • They need to think holistically about how their drug can work in the context of, or in synergy with, other factors relevant to treatment outcomes.
  • They need to think about therapies and diagnostics together, in order to identify and reach the patients who can benefit most.
  • They need to monitor results in real time to recognize and address possible impediments to uptake or therapeutic success.
  • They need to ensure that high-value patients have affordable access to the drug and are properly instructed and motivated to make optimal use of it with the drug still in prime condition.
  • In sum, a reward mechanism oriented towards health gains rather than high-markup sales would lead to a sustainable research-and-marketing system.
  • And that which is better prepared for fast and effective responses to outbreaks of unknown diseases, such as COVID-19.

Issue of state risk:

  • Participation of commercial pharmaceutical firms is crucial for tackling global pandemics.
  • They are best suited to develop and scale up provision of new vaccines and medications fast.
  • At present such firms do, however, face discouraging business risks from governments who may — as some have done — use compulsory licences to divest them of their monopoly rewards.
  • Health Impact ..........................................................................................................

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Conclusion:

  • Still, despite the roughness of such a modelled baseline, the Health Impact Fund would give innovators the right incentives.
  • It would guide them to ask not: how can we develop an effective product and then achieve high sales at high markups?
  • But rather: how can we develop an effective product and then deploy it so as to help reduce the overall disease burden as effectively as possible?
  • The COVID-19 pandemic should make us stop and think: which of these two questions should be guiding our pharmaceutical innovators?

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THE GIST of Editorial for UPSC Exams : 06 June 2020 (AI, machine learning to support digital lending landscape in post-covid era (Mint))



AI, machine learning to support digital lending landscape in post-covid era (Mint)



Mains Paper 3:Science and Tech
Prelims level: V-CIP
Mains level: Role of technology in post-covid era

Context:

  • Covid-19 has become a major part of our lives. It has not only disrupted our lifestyle and how we do businesses but brought unprecedented challenges to the economy.
  • Digital transformation has accelerated, businesses have amplified their technology investments on cloud-based products and services, and digital sales have gained momentum with traditional retail stores going online for the first time.
  • The lockdown expedited the digital-first approach helping the country’s Digital India vision move a step closer to reality.

Boost in digital payments:

  • Areas such as online grocery ........................................................................................

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Growth of digital payment platforms:

  • Many industry reports cite that the pandemic has acted as a catalyst in the growth of digital payment platforms.
  • In countries like the US, digital payments are expected to reach $4,769,370 million in 2020, which is a year-on-year increase of over 15%.
  • In India, the finance ministry, the National Payments Corporation of India (NPCI) as well as the Reserve Bank of India (RBI) have pushed for digital payments to make payments contactless, urging banks and financial institutions to promote digital transactions.
  • However, the adverse effects of the pandemic are trickling down to major sectors of the Indian economy, with auto, retail, manufacturing, hospitality and aviation bearing the brunt of the lockdown and affecting payments linked to these sectors.
  • Microfinance lenders must be equipped to address the credit requirement, while offering affordable and convenient repayment solutions to ease the impact of the crisis.
  • Digital disbursement of buy-now-pay-later solutions will gain traction as micro credit helps in easing cash crunch.
  • With a minimal burden on interest, if repaid within a specific time frame, digitization of short-term credit processes such as eKYC and V-CIP (video-based customer identification process) will only aid the upsurge in the trend.
  • Being seamless and digital in nature, it will offer people the convenience to cope with salary delays. Using micro credit, customers can clear their utility bills and even use the solution during medical emergencies.
  • Leveraging technologies such as artificial intelligence, machine learning and big data analytics, automated loan offerings and contactless lending services will act as enablers of timely digital disbursements.

Apart from maintaining the current lifestyle:

  • Micro credit will be crucial for ................................................................................................

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Conclusion:

  • Technology will act as an enabler for innovation and risk mitigation as it will be a key priority for digital lending companies. Focus on data science and analytics will remove the risk of fraud and delinquencies.
  • It will also be a driver to navigate consumers through credit complexities created by covid-19. Once the pandemic is over, it will become extremely important to ensure that fintechs can provide the services the consumers need.
  • Hence, implementation of automated processes to gain insights into eligibility and enabling of rapid processing will become key to their success.

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(The Gist of PIB) Exercise NCC Yogdan [APRIL-2020]

(The Gist of PIB) Exercise NCC Yogdan

[APRIL-2020]

Exercise NCC Yogdan

  • The National Cadet Corps (NCC) has offered a helping hand to civilian authorities in the country’s fight against COVID-19 by extending the services of cadets under ‘Exercise NCC Yogdan’.

About:

  • It has issued guidelines for temporary employment of its cadets to augment relief efforts and the functioning of various agencies involved in battling the pandemic.
  • The tasks envisaged for NCC cadets include manning of helpline/call centers; distribution of relief materials/medicines/ food/essential commodities; community assistance; data management and queue and traffic management.
  • According to the guidelines, cadets should not be employed in the handling of law and order situation or for active military duties or at hot spots. Only Senior Division volunteer cadets above 18 years of age will be employed.

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(The Gist of PIB) Centre for Augmenting WAR with COVID-19 Health Crisis [APRIL-2020]

(The Gist of PIB) Centre for Augmenting WAR with COVID-19 Health Crisis

[APRIL-2020]

Centre for Augmenting WAR with COVID-19 Health Crisis

  • Department of Science and Technology, Government of India in a rapid response to combat COVID-19 global pandemic approved setting up of a Centre for Augmenting WAR with COVID-19 Health Crisis (CAWACH).

About:

  • It aims to scout, evaluate and support the innovations and start-ups that address COVID-19 challenges.
  • The Society for Innovation and Entrepreneurship (SINE), a technology business incubator at IIT Bombay supported by DST has been identified as the Implementing Agency of the CAWACH.

Crucial findings:

  • The CAWACH’s mandate will be to extend timely support to potential startups by way of the requisite financial assistance and fund deployment targeting innovations that are deployable in the market within the next 6 months.
  • CAWACH will identify up to 50 innovations and startups that are in the area of a novel, low cost, safe and effective ventilators, respiratory aids, protective gear, novel solutions for sanitizers, disinfectants, diagnostics, therapeutics, informatics, and any effective interventions to control COVID-19.
  • It will provide access to pan India networks for testing, trial and market deployment of these products and solutions in the identified areas of priority COVID-19 solutions. This will help to address various challenges faced by the country due to the severe impact of COVID-19.
  • CAWACH program of DST is focused on leveraging the youthful energy, intelligence and extraordinary innovative potential of our technology incubators and startups and empowering them for scale-up to speedily address the multi-dimensional challenges of COVID-19 across respiratory aids, disinfection systems, protective gear and coatings, information and monitoring assists, diagnostics, and the plethora of other relevant materials, devices, and solutions.

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(The Gist of PIB) MPLADS [APRIL-2020]

(The Gist of PIB) MPLADS

[APRIL-2020]

MPLADS

  • As a part of Government’s continued efforts to contain the spread of COVID-19, the Union Cabinet has decided to suspend Members of Parliament Local Area Development Scheme (MPLADS) fund for two years (2020-21 and 2021-22).

About:

  • These funds will be used to strengthen the Government's efforts in managing the challenges and adverse impact of COVID19 in the country.
  • An amount to the tune of 7900 crore rupees will be accumulated and deposited in the consolidated Fund of India to fight COVID-19.
  • MPLADS was launched in It was implemented by the Ministry of Statistics and Programme Implementation.

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(The Gist of PIB) MHRD AICTE COVID-19 Student Helpline Portal [APRIL-2020]

(The Gist of PIB) MHRD AICTE COVID-19 Student Helpline Portal

[APRIL-2020]

MHRD AICTE COVID-19 Student Helpline Portal

  • In view of the outbreak of COVID19 and National lockdown since March 25th, some students have been facing difficulties due to closure of colleges and hostels.

About:

  • In order to provide help and support to such students, AICTE (All India Council for Technical Education) has come out with a unique MHRD AICTE COVID-19 Student Helpline Portal to address the issues.
  • The website with an URL https://helpline.aicte-india.org was launched by the Honorable Minister for Human Resource development.
  • The Minister informed that more than 6500 colleges have already come forward to provide support at such a crucial juncture. Students in difficulty are encouraged to directly get connected with them through this portal.

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(The Gist of PIB) India’s Science and Tech Institutions Raise their Game Against COVID-19 [APRIL-2020]

(The Gist of PIB) India’s Science and Tech Institutions Raise their Game Against COVID-19

[APRIL-2020]

India’s Science and Tech Institutions Raise their Game Against COVID-19

  • Under its Intensification of Research in High Priority Area (IRPHA) scheme, SERB had invited competitive proposals to ramp up national R and D efforts for epidemiological studies on new antivirals, vaccines, and affordable diagnostic against COVID-19 and related respiratory viral infections.

About:

  • The Intensification of Research in High Priority Areas (IRHPA) program of Science and Engineering Research Board (SERB) supports proposals in high priority areas from the viewpoint of advances in fundamental science.
  • The project will be set up around established research groups led by a Principal Investigator (PI).
  • The duration of the project is normally for a period of 5 years (3 years for COVID-19).

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(The Gist of PIB) Madhuban Gajar [APRIL-2020]

(The Gist of PIB) Madhuban Gajar

[APRIL-2020]

Madhuban Gajar

  • Madhuban Gajar, a biofortified carrot variety with high β-carotene and iron content developed by Shri Vallabhhai Vasrambhai Marvaniya, a farmer scientist from Junagadh district, Gujarat is benefitting more than 150 local farmers in the area.

About:

  • The variety is being cultivated in more than 1000 hectares of land in Gujarat, Maharashtra, Rajasthan, West Bengal, Uttar Pradesh during the last three years.
  • The Madhuvan Gajar is a highly nutritious carrot variety developed through the selection method with higher β-carotene content (277.75 mg/kg) and iron content (276.7 mg/kg) dry basis and is used for various value-added products like carrot chips, juices, and pickles.
  • Among all the varieties tested, beta-carotene and iron content were found to be superior.
  • Shri Vallabhai Vashrambhai Marvaniyawas conferred with a National Award by the President of India at Rashtrapati Bhavan, New Delhi during Festival of Innovation (FOIN) – 2017. He was conferred with Padma Shri in the year 2019 for his extraordinary work.

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Study Material for UPSC General Studies Pre Cum Mains

THE GIST of Editorial for UPSC Exams : 05 June 2020 (There’s an element of subjectivity in banking audits (The Hindu))



There’s an element of subjectivity in banking audits (The Hindu)



Mains Paper 3:Economy
Prelims level: Banking audits
Mains level: Subjectivity in banking audits

Context:

  • Audit of financial statements of the institution by external auditors is considered to be a highly effective component of a control system.
  • Banks in India, being ‘systemically important’ institutions and of ‘public interest’, are subjected to robust control systems by the RBI and the government.
  • The number of branches that need to be audited depends upon guidelines issued by the RBI.
  • The appointment process starts as early in the month of November every year, by submission of database of eligible auditors to the RBI and banks by the ICAI. Compilation and submission takes place on a systematic and transparent basis.

Element of subjectivity:

  • Banks’ management assign branches .....................................................................................

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Auditing vs constraints

  • Audit of financial institutions is an area where sampling theory of statistics cannot be relied upon/applied. In order to satisfy ‘herself/himself’, in the least scenario:
  • (a) the auditor must cover 100 per cent of the fresh loans sanctioned during the year;
  • (b) compliance with respect to disbursements in respect of loans sanctioned in the earlier years must be verified in full;
  • (c) deficiencies pointed out by other control mechanisms such as concurrent audit, own inspection, RBI inspection, etc., in respect of other loan accounts and deposits need to be tracked and compliance ensured;
  • (d) an auditor must diligently ensure compliance with AML requirements; and
  • (e) a handful of other ‘procedural related’ audit checks and compliance checks must be carried out to be true to oneself.
  • Statutory audit of a medium sized private limited company would consume at least 15-21 days, with a fairly sized effective audit team.

Key performance indicator:

  • However, due to the schedule that is being chalked out by the bank’s head office, regional office and in turn by the central statutory auditors, the branch managers, as a part of their key performance indicator, are mandated to get the audits completed in 4-5 days.
  • Some managers still .............................................................................................

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Conclusion:

  • In the interests of the national economy, subjectivity surrounding allocation of branches and expected ‘turnaround time’ are factors to be focussed upon.
  • One could appreciate the need by reckoning with the ‘mounting’ NPAs of the banking industry.

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THE GIST of Editorial for UPSC Exams : 05 June 2020 (World Environment Day: India Inc must get water positive (Financial Express))



World Environment Day: India Inc must get water positive (Financial Express)



Mains Paper 3:Environment
Prelims level: World Water Day 2020
Mains level: Facing problems related to water resources

Context:

  • Rising population and climate change have led to water becoming a scarce resource across the globe.
  • The theme of World Water Day 2020 was centred on climate change to create a much-needed awareness about water and how the two are inextricably linked.
  • World Environment Day 2020 aptly focuses on biodiversity, where water conservation plays an integral part.
  • Vulnerable biodiversity needs to be adequately protected because co-existence of all species goes a long way in striking a balance in the ecosystem.

Facing problems related to water resources:

  • NITI Aayog admits the country....................................................................................

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Improving water management capacity:

  • India Inc should also shoulder a part of the water management responsibility.
  • Optimisation of water usage for industrial purposes, deletion of obsolete process technology and deployment of the right recycling practices must all be part of their plan.
  • Water resource administration is imperative for sustainable development. The two major resources required for any manufacturing activity are energy and water.
  • However, the undesirable output of these inputs is pollution by way of contaminants.
  • So, an industry`s sustainable growth plan must include cutting down on resource consumption and the prevention of negative environmental impact.
  • One can also look at corporate water stewardship as an opportunity to identify water-linked business risks and understand its impact on the ecosystem.
  • Indian firms will persist in using water as an important input in their manufacturing cycle.
  • The challenge is how to achieve an equilibrium in the equation of need and yield, between input and output?
  • How does a corporate attain a ‘Water Positive’ status that ties in with two seemingly disparate activities—consistent profit and sustainable development?

Walk the talk:

  • India Inc. has no choice but ......................................................................................

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Use of technology to achieve sustainability:

  • Here, the emphasis should be on the use of technology as a water conservation tool to achieve sustainability.
  • One such method is the installation of rooftop rainwater harvesting systems.
  • Ambuja Cement has introduced this as an extension of its technical services to customers and business associates in small towns through its off-line network and digital platforms.
  • A meagre 100 cm rainfall annually on a 1000 square feet roof can provide a full year’s supply of water for drinking and cooking purposes for a family of five.

Modular Curing Solution:

  • Another technological intervention that ....................................................................

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Way ahead:

  • Like the mission to reduce carbon footprint, every corporate must also give equal importance to water management and resource growth as part of its sustainability plan.
  • It involves evaluating the total volume of freshwater required for operations and then proactively cutting down that number, either by reducing wastage or by replenishment.
  • Reducing water footprint and usage of freshwater in the production or supply of goods and services must be given top priority.

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THE GIST of Editorial for UPSC Exams : 05 June 2020 (MGNREGA in need (Indian Express))



MGNREGA in need (Indian Express)



Mains Paper 3:Economy
Prelims level: MGNREGA
Mains level: Role of MGNREGA in an Economy

Context:

  • A record 4.89 crore persons belonging to 3.44 crore households sought work under the Mahatma Gandhi National Rural Employment Guarantee Act (MGNREGA) in May.
  • This is against 3.18 crore persons from 2.26 crore households for the same month last year, when large parts of India were experiencing drought-like conditions.
  • The current surge in MGNREGA work demand reflects a drought, not of water, but of jobs and incomes.
  • And it seems to be coming mainly from migrant workers returning to their villages from cities and industrial centres post the COVID lockdown.

Labour exporting states:

  • Proof of it is the states where ................................................................................

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Widening the scope of scheme:

  • The MGNREGA has been generally viewed as a scheme that provides employment during the lean period for agriculture, thereby reducing seasonal labour migration from rural to urban areas.
  • The demand for work, too, typically peaks in May-June before falling in the subsequent months coinciding with the main kharif cropping season.
  • But this conventional pattern may not hold in the present scenario, where the primary demand driver will not be the landless agricultural labourer who would have little work after the kharif or rabi crop has been harvested.
  • If the laid-off auto worker from Gurgaon-Manesar or erstwhile hotel employee in Mumbai is the one seeking employment under MGNREGA — and there is no way to gainfully engage them in agriculture — the scheme’s scope will have to be widened.
  • To start with, the number of days of guaranteed employment to adult members of any rural household needs to be expanded beyond the existing 100 days.
  • The returning migrant workers may, at some point, want to go back to jobs that paid better. But those jobs aren’t going to come back soon either.

Rethink on the MGNREGA’s basic design:

  • This is where a rethink on the MGNREGA’s basic design might be called for without compromising its objective.
  • If the idea is to provide work...............................................................................

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Conclusion:

  • In times of wide and deep economic distress, a rethink on its design might be called for, without compromising its purpose.

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THE GIST of Editorial for UPSC Exams : 05 June 2020 (A backward turn (Indian Express))



A backward turn (Indian Express)



Mains Paper 2:National
Prelims level: Protectionism
Mains level: Highlights the disadvantages of protectionism

Context:

  • Ever since the prime minister’s speech exhorting the country to march towards an Atmanirbhar Bharat, there has been an unease.
  • Lurking behind the rhetoric of “self-reliance” was an attempt to reorient the economic structure towards ensuring “self-sufficiency” by falling back on the decades-old failed policy of import substitution.
  • Subsequent calls by the government to citizens to buy Indian, and the setting up of “targets” towards building self-reliance.
  • This was done in certain sectors so that “unnecessary” imports can be reduced.
  • It indicates that the shift towards protectionism, that began over the past few years with the NDA government raising tariffs.
  • It’s threatening to undo decades of trade liberalisation may be underway.

Disadvantages of protectionism:

  • Protectionism ends up.....................................................................................

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Appropriate policy response:

  • A more appropriate policy response is to focus on boosting competitiveness.
  • To building infrastructure,
  • To ensuring cheap power,
  • To reforming land and labour markets, and
  • To creating conditions for companies to compete in global markets.
  • India should be striving to embed itself in global value chains, not becoming more inward-looking.
  • Companies, especially in the post COVID world, looking to shift away from China, will look for policy stability.
  • They are unlikely to relocate to countries that are susceptible to sudden tariff impositions.
  • Further, as research has shown, India’s trade balance has widened in part due to imports of raw materials, intermediate products, and capital goods, implying that the imposition of tariffs will also hurt export competitiveness.

Way forward:

  • India needs to raise its share in world trade beyond 2 per cent.
  • Doing so requires.............................................................................

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