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(VIDEO) The Aadhaar Verdict : Rajya Sabha TV Big Picture Debate

(VIDEO) The Aadhaar Verdict : Rajya Sabha TV Big Picture Debate

Topic of Discussion: The Aadhaar Verdict : Rajya Sabha TV Big Picture Debate

THE GIST of Editorial for UPSC Exams : 26 September 2018 (Cleaning the House)


Cleaning the House


Mains Paper: 2 | Polity 
Prelims level: Representation of the People Act
Mains level: SC puts onus on executive to end criminalisation of politics, insists on disclosures to make voters aware of their candidates

Introduction 

  • The Representation of the People Act (RPA) does not bar individuals who have criminal cases pending against them from contesting elections. 
  • A five-judge bench of Supreme Court refused to disqualify candidates with criminal cases pending against them from contesting elections.
  • However, the country’s political class would do well take to serious note of the bench’s lament that the “increasing trend of criminalisation of politics… strikes at the very root of democracy”. 
  • While showing a welcome inclination to not step out of its domain, the SC has asked Parliament to come up with a law to check the criminalisation of politics. 
  • It has also issued a slew of directives to ensure that the voters are aware of the antecedents of candidates. Political parties will have to upload details of criminal cases pending against their candidates on their websites.
  • The candidates will have to furnish such information in their election affidavit and also publish it in a “widely-circulated newspaper”.

Provisions in RPA Act

  • The Representation of the People Act (RPA) does not bar individuals who have criminal cases pending against them from contesting elections. 
  • It does state that an individual punished with a jail term of more than two years cannot stand in an election for six years after the jail term has ended. 
  • But in cases on drag the courts for years makes this provision virtually ineffective.
  • Notwithstanding the compelling urgency to decriminalise politics, the SC has always been steadfast that its interventions in the matter should not transgress the principles of separation of powers enshrined in the Constitution. 
  • At the same time, it has been unequivocal that “voters have a right to know about the candidates contesting elections”. 
  • In 2002, in Union of India Vs. Association for Democratic Reforms and Another, the court noted that such information should comprise.
  • The antecedents of the candidate’s life including whether he was involved in a criminal case and if the case is decided.
  • The court’s ruling on Tuesday not only affirms such observations, it also underscores its dissatisfaction with the RP Act. 
  • The time has come for a law against criminalisation of politics. The nation eagerly waits for such legislation,” the bench observed. The ball is now in the executive’s court.

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UPSC Prelims Questions: 

Q.1)  Which of the following are classified as Electoral Offences under Representation of People Act 1951?
1. Promoting enmity between communities on the basis of religion, class, caste etc.
2. Publishing Exit polls during conduct of elections.
3. Filing false affidavits.
Select the correct answer using the code given below.
(a) 1 and 3 only
(b) 1 and 2 only
(c) 2 and 3 only
(d) 1, 2 and 3
Answer:  D

UPSC Mains Questions:
Q.1)  Why India needs decriminalization in Indian political system? 
 

THE GIST of Editorial for UPSC Exams : 26 September 2018 (Editing our genes)


Editing our genes


Mains Paper: 3 | Science and Technology 
Prelims level: RNA sequences
Mains level: Bioethicists fear abuse of gene editing by governments and the private sector 

Introduction 

  • American biochemist Jennifer Doudna, one of the pioneers of the gene editing tool Crispr-Cas9, woke up in a cold sweat after she dreamt of Adolf Hitler.
  • He was wearing a pig mask, and wanted to understand the tool’s uses and implications. 
  • Crispr, an acronym for Clustered Regularly Interspaced Short Palindromic Repeats, harnesses the natural defence mechanisms of bacteria to alter an organism’s genetic code.
  • It’s likened to a pair of molecular scissors, a cut-and-paste technology, that can snip the two DNA strands at a specific location and modify gene function. 
  • The cutting is done by enzymes like Cas9, guided by pre-designed RNA sequences, which ensure that the targeted section of the genome is edited out.
  • The elegance of this editing tool has transformed medical research.

Can a faulty gene be deleted or corrected at the embryonic stage?

  • Researchers in China used a variation of Crispr. Instead of snipping strands, they swapped DNA letters to correct Marfan Syndrome.
  • In an inherited disorder that affects connective tissue. Huang Xingxu, the lead author of the paper, which was published in Molecular Therapy, said it was done on 18 viable human embryos through in-vitro.
  • Two of the embryos, however, exhibited unintended changes. All were destroyed after the experiment.
  • American biologist Shoukhrat Mitalipov used Crispr to repair a genetic mutation that could cause a deadly heart condition.
  • It was done on embryos in such a way that the faulty gene would not be passed down the family tree. 
  • The findings are the focus of an ongoing debate, with several scientists sceptical of whether the gene was corrected. Can accuracy be guaranteed in early stage embryos?
  • Bioethicists expressed concern over the clinical application of such research. Can we  and should we control or dictate evolution? 
  • These are still early days in a new frontier of genome engineering. Researchers are only beginning to understand the power and fallout of gene editing.

Analysing the recent studies 

  • Studies have shown that edited cells can lack a cancer suppressing protein. 
  • As our understanding grows, we will have the potential to edit out genes that cause fatal diseases. 
  • They have the potential to use the very same mechanisms to edit out undesirable traits in human beings.
  • This raises the spectre of eugenics.
  • Bioethicists fear abuse of gene editing, not just by misguided governments hoping to create a ‘superior’ race, but also by the private sector preying on a parent’s desire to create a perfect child.
  • For now, it remains a distant prospect, but silencing science or hijacking the debate is not the answer. 
  • The burden of this knowledge cannot be borne by science alone.

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UPSC Prelims Questions: 

Q.1)  The term REPAIR, recently seen in news,
(a) it’s a technique to detoxify water by using sunlight
(b) is a DNA editing tool
(c) is the World’s biggest and most powerful icebreaker ship
(d) is a RNA editing tool
Answer:  D

UPSC Mains Questions:
Q.1)  Can a faulty gene be deleted or corrected at the embryonic stage?  

THE GIST of Editorial for UPSC Exams : 26 September 2018 (The Male message)


The Male message


Mains Paper: 2 | India and its neighbourhood relation 
Prelims level: Maldives Election 
Mains level: How Maldives election is important for India?  

Context 

  • The victory of the joint Opposition candidate, Ibrahim Mohamed Solih the democratic instinct of this small Indian Ocean island is alive and well.
  • The election was held in contentious circumstances.
  • Yameen had imposed an Emergency earlier in the year and jailed opposition leaders and judges.

Important highlights of this election event 

  • The MDP offices in Male were raided the night before voting day on September 23.
  • The run up was full of allegations that Yameen, would rig the election.
  • In the end, nearly 90 per cent of the over 2.6 lakh registered voters turned out, and Solih won decisively with 58.34 per cent of the vote, to Yameen’s 41.66 per cent.
  • Assuming Male is all set for a smooth transition, for India, whose relations with Yameen had been strained for years over an opportunity for a fresh start on bilateral ties.
  • The mistake that India has made with each of its neighbours, and should desist from repeating.
  • If India desires influence in its neighbourhood, it must earn it through the hard slog of smart diplomacy, not demand it as a right of geography.
  • New Delhi should plan a visit by Prime Minister Narendra Modi to the Maldives, the only country in the neighbourhood that he has not visited.

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UPSC Prelims Questions: 

Q.1)  Indian armed forces conducted Operation Cactus in order to
(a) Save the Maldives government from a coup in 1988.
(b) Evacuate stranded Indians from Kuwait during the Iraq invasion in 1990.
(c) Liberate Goa from the Portuguese in 1961.
(d) To end civil war between LTTE and the government in Sri Lanka in 1987
Answer:  A

UPSC Mains Questions:
Q.1)  How Maldives election is important for India?  

(VIDEO) Union on National Issues (राष्ट्रीय मुद्दों पर संघ)- Lok Sabha TV Insight Discussion

(VIDEO) Union on National Issues (राष्ट्रीय मुद्दों पर संघ)- Lok Sabha TV Insight Discussion

Topic of Discussion: Union on National Issues (राष्ट्रीय मुद्दों पर संघ )- Lok Sabha TV Insight Discussion

(VIDEO) Decriminalising Politics : Rajya Sabha TV Big Picture Debate

(VIDEO) Decriminalising Politics : Rajya Sabha TV Big Picture Debate

Topic of Discussion: Decriminalising Politics : Rajya Sabha TV Big Picture Debate

THE GIST of Editorial for UPSC Exams : 25 September 2018 (Long road ahead: on Ayushman Bharat scheme)


Long road ahead: on Ayushman Bharat scheme 


Long road ahead: on Ayushman Bharat scheme 
Mains Paper: 2 | Health 
Prelims level: Ayushman Bharat scheme 
Mains level: Budgetary support must be strengthened to make Ayushman Bharat a success 

Introduction 

  • Ayushman Bharat has been rolled out as a health protection scheme that will provide guaranteed access to treatment that is free at the point of delivery to about 40% of the population selected on the basis of censused socio-economic indicators. 
  • It is the essential first step on the road to universal health coverage, although it has been launched by the NDA government quite late in its term, possibly with an eye on the 2019 general election.
  • Since the Centre has announced that 10.74 crore families identified through Socio-Economic Caste Census data will be given an annual ₹5 lakh cover under the Pradhan Mantri Jan Arogya Yojana (the insurance component of the scheme).

To what extent it is  possible to implement

  • The allocation of just ₹2,000 crore during the current year to the PMJAY cannot provide the promised cover to the large population sought to be included. 
  • Not all States and Union Territories are in a position to raise their own share, and a few have not even joined the scheme. 
  • The challenge of funding, therefore, remains and without adequate budgetary commitments, the implications of pooling the financial risk for such a large segment of the population through insurers or state-run trusts or societies make the outcomes uncertain.

The Prime objectives of PMJAY

  • Guaranteeing health-care access using private or public facilities presumes tight cost control. In the case of the PMJAY, this is to be achieved using defined treatment packages for which rates are prescribed.
  • Costs are a contested area between the care-providers and the Centre, and many for-profit hospitals see the government’s proposals as unviable. 
  • The Ayushman Bharat administration is talking of a rate review.
  • More importantly, a lot of time has been lost in the NDA government’s tenure, when State governments should have been persuaded to regulate the hospital sector under the Clinical Establishments (Registration and Regulation) Act, which dates back to 2010. 
  • The law broadly provides for standardisation of facilities and reasonable rates for procedures. 
  • The apprehensions of fraud have prompted Ayushman Bharat administrators to announce that some key treatments should be availed through public sector institutions.
  • It is essential to reduce the pressure on secondary and tertiary hospitals for expensive treatments by investing in preventive and primary care facilities. 
  • The 150,000 health and wellness centres of the National Health Protection Mission can play a valuable role. 
  • The first-order priority should be to draw up a road map for universal health coverage, through continuous upgradation of the public sector infrastructure.

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UPSC Prelims Questions: 

Q.1)  Ayushman Bharat Programme is related to which of the following?
(a) Child Nutrition
(b) Healthcare and Insurance
(c) Women empowerment
(d) Environment safety
Answer:  B

UPSC Mains Questions:
Q.1)  There is a need budgetary support must be strengthened to make Ayushman Bharat a success. Critically examine the statement. 

THE GIST of Editorial for UPSC Exams : 25 September 2018 (Raja Mandala: The world beyond Pakistan)


Raja Mandala: The world beyond Pakistan


Mains Paper: 2 | Bilateral, regional and global groupings and agreements
involving India and/or affecting India's interests
Prelims level: Brexit
Mains level: At UN, India must look to engage with structural changes unfolding in the international system.

Context 

  • Will Sushma Swaraj attend the customary meeting of the South Asian foreign ministers, and if she does, will she shake hands with Qureshi?
  • Might they chat for a couple of moments?

Important highlights of the conflict

  • One unfortunate casualty of this war of words has been the deepening inability of the two countries to engage with the larger global issues.
  • There was a time when the voices of both Pakistan and India mattered on the world stage.
  • Islamabad rightly saw itself as a pragmatic Islamic nation capable of exercising influence in the Middle East and acting as a bridge between America and China, which did not have diplomatic relations
  • with each other.
  • Today, despite its growing economic salience and expanding global footprint, India seems obsessed with a few issues rather than engage with the unfolding structural changes in the international system.

From India’s angle 

  • Delhi persists with the futile quest for a permanent seat at the UN Security Council, when all indications are that it is unlikely to happen.
  • Delhi has also devoted far too much energy in the pursuit of the international convention against terrorism.
  • The essence of Trump’s “America First” has been the promise to liberate US from the “globalist trap” that it had been boxed in for decades.

Decision are taken by President Trump

  • Since he took charge, Trump has walked out of the Paris agreement on climate change, withdrew from the United Nations Scientific and Cultural Organisation, the UN Human Rights Council, and
  • threatened the International Criminal Court with punitive actions.
  • A second important theme is global trade.
  • Trump is threatening to pull out of the World Trading Organisation and choking its dispute-settlement mechanism, again in the name of sovereignty.
  • He has junked the 2015 nuclear agreement with Iran negotiated by the Obama administration.
  • Trying to construct a new Middle East Security Alliance of Arab nation.

Conclusion 

  • What should matter for India is the fact that the geopolitics of the Gulf region — where India has massive economic and political stakes — is undergoing unprecedented change.
  • So is the world trading system and the nature of multilateralism. 
  • India’s diplomatic engagements at the UN this year should be about crafting a new strategy to address these challenges.

UPSC Prelims Questions: 

Q.1)  Consider the following international conventions related to Wild Life conservations:
1. Convention on International Trade in Endangered Species of wild fauna and flora (CITES)
2. International Whaling Commission (IWC)
3. Convention on Migratory Species (CMS)
India is party to which of the above conventions?
(a) 1 only
(b) 1 and 2 only
(c) 2 and 3 only
(d) 1, 2 and 3
Answer:  D

UPSC Mains Questions:
Q.1)  Will Sushma Swaraj attend the customary meeting of the South Asian foreign ministers, and if she does, will she shake hands with Qureshi?

Online Coaching for UPSC PRE Exam

General Studies Pre. Cum Mains Study Materials

THE GIST of Editorial for UPSC Exams : 25 September 2018 (After Salzburg: on rejection of post-Brexit blueprint )


After Salzburg: on rejection of post-Brexit blueprint 


Mains Paper: 3 | Economy 
Prelims level: Brexit
Mains level: The significance of Brexit to the European union.

Context 

  • The rejection of Prime Minister Theresa May’s post-Brexit blueprint at the Salzburg summit rules out nothing as yet in Britain’s rocky negotiations on withdrawing from the European Union. 
  • Her proposal, adopted by the Cabinet in July, has deepened divisions among the Tories.
  • A controversial idea in the July white paper is for a hybrid arrangement, with Britain staying in the common market only for trade in goods and agriculture, and without the obligations of free movement of people. 

Post Brexit situation 

  • This is at odds with the EU stance of not allowing cherry-picking when it comes to its four basic freedoms — of movement of capital, goods, services, and labour.
  • The other dispute is over the post-Brexit status of the soft border between Northern Ireland and the Republic of Ireland. 
  • Maintaining the status quo is critical to keeping the peace under the terms of the 1998 Good Friday agreement.
  • Brussels seems flexible on its original proposal for full regulatory convergence and jurisdiction of EU courts over Belfast. 
  • This is meant to assuage London’s concerns about two separate jurisdictions operating within the U.K. Britain’s alternative proposal to avoid the return of checkpoints on the Irish border and to get around the difficulties of erecting invisible borders is to bring all of the U.K. under a common customs arrangement. 
  • Eurosceptics see this as aligning the country too close to the EU and curbing its freedom to negotiate trade deals outside the bloc. 
  • For Brussels, it would still amount to an unacceptable division of the EU’s four freedoms.
  • European Council President Donald Tusk’s remarks in Salzburg that the July proposals were not workable amplified these concerns. 
  • They drew angry reactions from Ms. May, who harked back to the mantra that a no-deal was better than a bad deal. 

Way forward

  • The discrepancies in the opposing positions go back to the 2016 referendum outcome. Brussels had said then that while it regretted the verdict, it respected London’s decision to leave.
  • It stuck firm on established procedure and stressed that withdrawal negotiations could not commence until Article 50 of the EU treaty was triggered.
  • It emphasised that exit from the bloc would involve costs for Britain, just as the benefits of membership entailed obligations. 
  • This accent on process could harden in the wake of the populist threat across the region to the European project. 
  • With elections to the European Parliament due next May, the leaders are keen that the anti-EU parties see the economic and political perils of quitting the bloc.
  • Brexit uncertainty will linger, meanwhile.

UPSC Prelims Questions: 

Q.1)  Which of the following are the member countries of Group of 20 (G-20)?
1. India
2. China
3. Brazil
4. South Africa
Select the correct answer using the code given below.
(a) 1, 2 and 3 only
(b) 1 and 4 only
(c) 2, 3 and 4 only
(d) 1, 2, 3 and 4

Answer:  D

UPSC Mains Questions:
Q.1)  What are the imnpacts of Brexit to the European union?

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(VIDEO) Naxalites Economy (नक्सलियों का अर्थतंत्र )- Lok Sabha TV Insight Discussion

(VIDEO) Naxalites Economy (नक्सलियों का अर्थतंत्र )- Lok Sabha TV Insight Discussion

Topic of Discussion: Naxalites Economy (नक्सलियों का अर्थतंत्र )- Lok Sabha TV Insight Discussion

(VIDEO) National Database of Sexual Offenders : Rajya Sabha TV Big Picture Debate

(VIDEO) National Database of Sexual Offenders : Rajya Sabha TV Big Picture Debate

Topic of Discussion: National Database of Sexual Offenders : Rajya Sabha TV Big Picture Debate

THE GIST of Editorial for UPSC Exams : 24 September 2018 (The plane truth: on Rafale deal row)


The plane truth: on Rafale deal row 


Mains Paper: 2 | International Relation 
Prelims level: Rafale deal
Mains level: Not so important   

Introduction 

  • The Rafale deal has been the subject of heated claims and counter-claims on two broad issues  that the contract to purchase 36 French multi-role fighter aircraft was grossly overvalued and that it was tainted by crony capitalism. 
  • Ammunition for the second charge came from an unexpected quarter with former French President François Hollande stating in an interview that it was India that suggested the Anil Ambani-owned Reliance Defence Ltd. as the offset partner for the deal.

The political power tussle on this issue  

  • The Centre has insisted that the choice of offset partners is entirely that of the manufacturer, or of Dassault Aviation.
  • Mr. Hollande’s remarks were widely perceived as bolstering the Congress allegation that the Rafale deal was structured to favour one industrialist.
  • In the storm that ensued, the clarificatory statements issued — by the Centre, the French Foreign Ministry and Dassault — did little to clearly address what Mr. Hollande had said. 
  • The Defence Ministry’s statement merely reiterated that governments have no role in offset contracts, which are purely commercial. 
  • The French government said pretty much the same thing, and Dassault’s statement reaffirmed that it had chosen to tie up with Reliance Defence. 
  • But all this merely begs the question: did the Centre suggest a partnership with Reliance Defence as Mr. Hollande said? 
  • It remains to be seen whether Mr. Hollande will now choose to complete his half-finished remarks to the French investigative website.
  • No questions have been raised about the capabilities of the Rafale  jet, and the corruption allegations have persisted in the absence.
  • But a fair part of the reason for the concerns about the deal relate to process. 

Way forward

  • It is true that the deal was signed only in September 2016, after clearance from the Cabinet Committee on Security, but Mr. Modi’s 2015 declaration of a new deal clearly caught even many of his senior officials unawares.
  • The purchase of 126 Rafale aircraft, initiated by the UPA government, andwere still on. 
  • The greater transparency is the only way to clear the air. Private briefings to Opposition leaders and the disclosure of all information that doesn’t jeopardise national security or impact the aircrafts’ operational capability are good starting points. 
  • The decision to reject the formation of a Joint Parliamentary Committee to examine the deal should be reconsidered. 
  • If the political war over Rafale continues, it is defence modernisation that will become the real victim.

UPSC Prelims Questions: 

Q.1)  Consider the following statements regarding the Rafale fighter jets:
1.    The Rafale is a twin-engine fighter, multi-role fighter aircraft manufactured by French aviation company Dassault. 
2.    These aircrafts is capable of carrying out all combat missions such as interception, air defence, in-depth strikes, ground support, reconnaissance, anti-ship strikes and nuclear deterrence.
3.    India, France ink deal for 36 Rafale fighter jets.

Which of the statements given above is/are correct?
(a) 1 only
(b) 2 only
(c) Both 1 and 2
(d) All the above
Answer: D

UPSC Mains Questions:
Q.1)  What are the key facts behind Rafale deal between India and France?

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THE GIST of Editorial for UPSC Exams : 24 September 2018 (Bungling diplomacy)


Bungling diplomacy


Mains Paper: 2 | International Relation 
Prelims level: Not so important 
Mains level: India and its neighborhood relations

Context :

  • In 48 hours, what was a promising start ended in abject failure.
  • In his letter to Prime Minister Modi, Khan had suggested the bilateral meeting on the sidelines of the upcoming UN General Assembly session in New York as a first step to build on the “mutual desire for peace between our two countries”.
  • Pakistan had issued postage stamps honouring Hizbul Mujahideen’s Burhan Wani and Kashmir pellet victims in July this year; the mutilated body of the Border Security Force jawan was found on September 19.
  • The abduction and killing of three policemen in Jammu & Kashmir on September 21 was of a pattern with similar incidents earlier.
  • Presenting this as a new disclosure, and a reason for not engaging with him, is pointless and self-defeating.
  • When Nawaz Sharif was the prime minister, it was fashionable to ask what the point was of talking.
  • Still, adults on both sides know that talk the two sides must, and they will need to, if not now, at some point, irrespective of who is in office on this side or that.
  • Given this, it is best that both India and Pakistan now take a step back, and desist from statement-mongering that makes it more and more difficult.

UPSC Prelims Questions: 

Q.1)  Consider the following statements regarding the Financial Intelligence Unit of India:
1. It is an attached office set up under the Ministry of Home Affairs.
2. It was set to provide quality financial intelligence to protect against abuses of money laundering, terrorism financing and other economic offences.
Which of the statements given above is/are correct?
(a) 1 only
(b) 2 only
(c) Both 1 and 2
(d) Neither 1 nor 2
Answer: B

UPSC Mains Questions:
Q.1)  India’s about turn on meeting with Pakistan’s foreign minister and PM Imran Khan’s response are both self-defeating. How the recent consequences can be improved?

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THE GIST of Editorial for UPSC Exams : 24 September 2018 (On edge: on the volatility in Indian markets)


On edge: on the volatility in Indian markets


Mains Paper: 3 | Economy 
Prelims level: Non-banking financial companies
Mains level: The panic sell-off raises the alarm about risks that face the Indian markets

Context

Volatility is back in the Indian markets. 

  • Stock indices witnessed an extraordinary swing on Friday, with the Sensex moving 1,500 points between its high and low during the day and the Nifty almost by 370 points. 
  • The Sensex and the Nifty were down 279 and 91 points, respectively, at the end of trading on Friday after a significant recovery, but the day-end figures failed to capture the panic that struck investors during the day. 

Crisis faced by NBFCs in India

  • Non-banking financial companies (NBFCs) were the major force behind Friday’s extreme volatility. Shares of Dewan Housing Finance Corporation Ltd (DHFL) had lost 42% of their value by the end of trading, after having fallen 60% during the day. 
  • Other financials such as Indiabulls Housing Finance, LIC Housing Finance, and Repco Home Finance also witnessed similar steep falls.
  • The market panic was attributed to DSP Mutual Fund’s sale of bonds worth ₹300 crore issued by DHFL at yields higher than normal.
  • Its leading to fears that it could be a precursor to higher borrowing costs that adversely affect the profitability of NBFCs.
  • The Infrastructure Leasing & Financial Services Ltd.’s continuing default on its various liabilities also shook investors. 
  • The 29% fall in shares of Yes Bank, after the RBI refused to extend the term of its chief executive officer beyond January, further added to the panic. 
  • But Friday’s fall was not simply limited to financials, as scrips across the board witnessed panic-selling.

Why it’s called alarming?

  • The market’s impressive recovery from the day’s lows, which was fuelled by strong institutional buying.
  • It has offered some reason for optimism to investors, who believe the fall was simply a temporary correction in a bull market. 
  • Such optimism may be warranted, at least partially, after looking at how both the Sensex and the Nifty have recovered since their previous deep sell-off in February.

Way foward

  • The market breadth continues to remain a major concern since the last sell-off. 
  • Midcap and smallcap indices have failed to replicate the recovery that has been witnessed in the Sensex and the Nifty since February.
  • The panic sell-off also raises the alarm about stretched valuations and other risks faced by the Indian markets.
  • The depreciating rupee and the likely increase in the fiscal deficit in the run-up to the general election are the most immediate concerns.
  • The need for corporate earnings to catch up with current valuations is another. The systemic risks posed by rising interest rates to corporate debt and various lenders also cannot be ignored.
  • Investors, as well as financial market regulators, will do well to understand and act against these risks.

UPSC Prelims Questions: 

Q.1)  With respect to the Reserve Bank of India (RBI), consider the following statements:
1. RBI regulates all the Non Banking Financial Companies (NBFC) in India.
2. National Bank for Agricultural and Rural Development is jointly held by RBI and the Government of India.
Which of the statements given above is/are not correct?
(a) 1 only
(b) 2 only
(c) Both 1 and 2
(d) Neither 1 nor 2
Answer:  C

UPSC Mains Questions:
Q.1)  The recently panic sell-off raises the alarm about risks that face the Indian markets. Why is it so? Critically examine. 

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THE GIST of Editorial for UPSC Exams : 22 September 2018 (New health paradigm)


New health paradigm


Mains Paper: 2 | Governance 
Prelims level: Pradhan Mantri Jan Arogya Yojana 
Mains level:  Welfare schemes for vulnerable sections of the population by the Centre and States and the performance of these schemes; mechanisms, laws, institutions and bodies constituted for the protection and betterment of these vulnerable sections

Introduction

  • Ayushman Bharat is a far-reaching initiative aimed at ensuring holistic healthcare services.
  • Health and wellness centres was launched on April 14 from Chhattisgarh’s Bijapur district.
  • Since then, 2,287 health and wellness centres have come up around the country.

Pradhan Mantri Jan Arogya Yojana

  • The Pradhan Mantri Jan Arogya Yojana (PMJAY) will be unveiled on September 23.
  • It will provide a cover of Rs 5 lakh per family per year for inpatient care to 10.74 crore families at the bottom of the pyramid.
  • This translates into more than 50 crore people, around 40 per cent of India’s population.
  • The health conditions and surgical procedures, covered free, are encompassed in over 1,350 packages that include practically all secondary and tertiary conditions requiring hospitalisation, barring a

few such as organ transplantation.

  • The services will be provided by empanelled public and private hospitals.
  • Unlike private insurance schemes, PMJAY does not exclude a person on account of pre-existing illnesses.

Important highlights of this scheme

  • There is also no need for formal enrolment; families that are listed with defined deprivation criteria on the Socio Economic and Caste
  • Census database are automatically enrolled.
  • All that is required is a proof of identity, which could be Aadhaar or any other government-issued identity card.
  • All but a few states have agreed to be a part of the PMJAY.
  • A strong fraud control mechanism has been conceived also an audit system has been put in place.
  • Thousands of Ayushman Mitras are being trained. At each facility, one of them will receive the beneficiary, check her eligibility and facilitate in-patient care.
  • A system for patient feedback and grievance redressal is also in place.
  • The system will be cashless and largely paperless. A robust IT system has been put in place.
  • An efficient claims management system is functional with payments to be made within two weeks.
  • The Yojana will be implemented in concord with state-level schemes, if they exist.
  • One unique feature of the PMJAY is its national portability once fully operational.

How PMJAY is important for India?

  • PMJAY will herald a new era in healthcare for four reasons.
  • It will dramatically improve provision of healthcare for the poor.
  • It is now possible for a construction worker with an injured knee to have an implant for free, a rickshaw-puller with a heart attack to undergo a stent procedure and a farmer’s wife to receive full treatment for breast cancer.
  • The PMAJAY will be a catalyst for transformation.
  • The earnings of public hospitals under PMJAY will be available for their upgradation and also for incentivising the provider teams as these funds will be deposited with the Rogi Kalyan Samitis.
  • The PMJAY is a poverty-reducing measure. Each year, six to seven crore people, above the poverty line, fall below it because of health-related expenses.
  • Fourth, the scheme will create lakhs of jobs for professionals and non-professionals — especially women.

Way forward 

  • It will give a boost to the health technology industry.
  • The implementation of a mission of this size, ambition and complexity is hugely challenging.
  • High uptake, quality care, beneficiary satisfaction, efficient operations and fraud-controlled systems are the key metrices of its success.
  • There is also willingness to learn, improve and reform.

UPSC Prelims Questions: 

Q.1)  Consider the following statements about Pradhan Mantri Jan Arogya Yojana.
1.    The Pradhan Mantri Jan Arogya Yojana (PMJAY) will be unveiled on September 23.
2.    It will provide a cover of Rs 2 lakh per family per year for inpatient care to 10.74 crore families at the bottom of the pyramid.
3.    This translates into more than 50 crore people, around 40 per cent of India’s population.
Which of the statements given above is/are correct?
(a) 1 only
(b) 1 and 3 only
(c) 1, 2 and 3
(d) 2 and 3 only
Answer: B

UPSC Mains Questions:
Q.1)  How PMJAY scheme is significant for India’s healthcare system?

Online Coaching for UPSC PRE Exam

General Studies Pre. Cum Mains Study Materials

THE GIST of Editorial for UPSC Exams : 22 September 2018 (Pro-women, pro-poor)


Pro-women, pro-poor


Mains Paper: 1 | Society 
Prelims level: Socio-economic data
Mains level:  Role of women and women's organization, population and associated issues, poverty and developmental issues, urbanization, their problems and their remedies.

Introduction

  • India’s performance in poverty reduction since the early 1990s has been remarkable.
  • A constant criticism poverty -- social indicators like education and mortality has not been as commendable.
  • Absolute poverty declined from 46 per cent in 1993/94 to only 13 per cent in 2011/12 (World Bank international poverty line of $1.90 PPP dollars per person per day).
  • Socio-economic data has shown that improvement in indicators for women was not as good as that for men.
  • The major component of SBA was to make India OD (open defecation) free by October 2019, the 150th birth anniversary of Mahatma Gandhi.
  • It depends not only on income but also on access to services.”
  • Unfortunately, our reformers forgot his message as they proceeded to make India modern and prosperous but attempted to do so without improvements in sanitation.
  • Simultaneously, PM Modi announced the Beti Bachao, Beti Padhao (save the daughter, educate the daughter) initiative (aka reform).

Important highlights of the Open Defecation initiatives

  • Let us first recognise the boldness of the OD initiative.
  • A taboo conversation word — defecation — was openly discussed.
  • That close to 50 per cent of rural India was indulging in this practice came as a shock to most.
  • Newspaper stories have emerged about the “fact” that : the building of toilets has been exaggerated,

do not have enough water, unused bathrooms being used for storage of grain.

  • Academic analysts warned of a quick-fix; attitudinal change was required, and this was painfully slow.
  • A few days ago, the UN released data for under-five mortality rates for 180 countries for the period 1990 to 2017.
  • Apart from safety and dignity for women, open defecation has major implications for mortality, and especially mortality rates for children.

Why did the programme succeed beyond all calculations?

  • Because it was a pro-poor, pro-female, campaign.
  • Because it improved the safety and dignity of women.
  • Because it was (shockingly!) very well administered.
  • And because it was a high-profile PM campaign.

Way forward 

  • It is not a stringent test because mortality decline is affected by at least four other important factors — income growth, technological advances (medicine and vaccination), improvement in water supply and education of women.
  • The largest annual pace of decline for female under-five mortality (as well as for males) was observed during the 10-year period 1990 to 2000.
  • The under-five female mortality rate has shown virtually no improvement for Sweden between 2010 and 2017 — a decline from the rate of 2.8 (per 100,000) in 2010 to 2.6 in 2017.
  • This is only a decline of (log) 7.4 per cent, compared to over a 40 per cent decline for India.
  • India achieves the rank of seven for female under-five mortality, a large improvement over the 15 rank just two years earlier!
  • Yet another performance indicator is the pace of improvement in female mortality relative to that of males.

UPSC Prelims Questions: 

Q.1)  Consider the following statements regarding Darwaza Band campaign:
1. Ministry of Drinking Water & Sanitation is the nodal ministry of the campaign.
2. Its main focus is to provide clean water to rural households.
Which of the statements given above is/are correct?
(a) 1 only
(b) 2 only
(c) Both 1 and 2
(d) Neither 1 nor 2
Answer: A

UPSC Mains Questions:
Q.1)  Why did the Open Defecation program succeed beyond all calculations?

Online Coaching for UPSC PRE Exam

General Studies Pre. Cum Mains Study Materials

(VIDEO) No talks with Pakistan : Rajya Sabha TV Big Picture Debate

(VIDEO) No talks with Pakistan : Rajya Sabha TV Big Picture Debate

Topic of Discussion: No talks with Pakistan : Rajya Sabha TV Big Picture Debate

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