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SBI Clerk Mains GA Capsule 2025: Latest Updates & Important Topics PDF

The SBI Clerk Mains Exam 2025 is expected to be conducted in April 2025, and the General Awareness (GA) section plays a crucial role in determining candidates’ overall performance. This section covers current affairs, banking awareness, and static GK, making it an essential part of the exam preparation.

To help candidates maximize their scores, we have compiled a comprehensive GA Capsule PDF covering all major topics required for the SBI Clerk Mains 2025.

Why is the GA Capsule Important for SBI Clerk Mains 2025?

The General Awareness section is one of the most scoring parts of the SBI Clerk Mains Exam. Unlike quantitative aptitude or reasoning, this section does not require calculations, allowing aspirants to answer questions quickly and accurately. A well-prepared candidate can boost their overall score significantly with proper GA preparation.

SBI Clerk Mains GA Capsule 2025 – Download PDF

To assist candidates in their SBI Clerk Mains 2025 preparation, we are providing a free downloadable PDF covering all the important General Awareness topics.

Download SBI Clerk General Awareness PDF (Part-1 and 2): Click Here

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Topics Covered in the SBI Clerk Mains GA Capsule 2025

  • UNION BUDGET 2025-26
  • Economic Survey 2024-25
  • Padma Awards
  • Republic Day Parade 2025
  • RBI Monetary Policy- February 2025
  • Golden Globe Awards
  • 8th Pay Commission

How to Use the GA Capsule Effectively?

  • Revise Regularly: Read the PDF daily to stay updated with important events.
  • Make Notes: Write down key points for quick revision before the exam.
  • Attempt Quizzes: Solve daily quizzes on current affairs to strengthen your knowledge.
  • Focus on Banking & Economy: Since SBI Clerk is a banking exam, prioritize banking and financial awareness.
Featured

States and Capitals – How Many States in India?

India, a vast South Asian nation and the world’s seventh-largest by land area, is divided into 28 states and 8 union territories, each with its own capital. These states and territories are further segmented into districts. New Delhi, situated in the National Capital Territory of Delhi, serves as India’s administrative, political, and cultural hub.

The states and capitals of India weave a rich and diverse tapestry, reflecting the country’s deep cultural heritage, traditions, and innovations. Exploring these regions offers a fascinating journey through time, blending ancient legacies with modern advancements, tradition with contemporary influence, and showcasing India’s remarkable unity in diversity.

States and Capitals

In 1956, India reorganized its states according to linguistic demographics. Today, the country consists of 28 states and 8 Union Territories, home to nearly 400 cities. Among these, eight major metropolitan cities—Kolkata, Mumbai, New Delhi, Chennai, Hyderabad, Bangalore, Ahmedabad, and Pune—are prominent. The Prime Minister has introduced a plan to develop 100 smart cities across the nation, with Indore being recognized as the Smart City for four consecutive years. Discover India’s dynamic urban landscape and its focus on modernization.

How many states in India?

India is the 7th largest country in the world by land area and the 2nd most populated. The country is divided into states and union territories so that the government can function properly. Below is a list of all 28 states, their capitals and the year they were formed.

S.NO State Capital CM Governor
1 Andhra Pradesh Amaravati Sri Nara Chandrababu Naidu S. Abdul Nazer
2 Arunachal Pradesh Itanagar Pema Khandu Kaiwalya Trivikram Parnaik
3 Assam Dispur Himanta Biswa Sarma Lakshman Prasad Acharya
4 Bihar Patna Nitish Kumar Arif Mohammed Khan
5 Chhattisgarh Raipur Vishnu Deo Sai Ramen Deka
6 Goa Panaji Pramod Sawant P.S. Sreedharan Pillai
7 Gujarat Gandhinagar Bhupendra Patel Acharya Dev Vrat
8 Haryana Chandigarh Nayab Singh Saini Bandaru Dattatraya
9 Himachal Pradesh Shimla Sukhvinder Singh Sukhu Shiv Pratap Shukla
10 Jharkhand Ranchi Hemant Soren Santosh Kumar Gangwar
11 Karnataka Bengaluru Siddaramaiah Thaawarchand Gehlot
12 Kerala Thiruvananthapuram Pinarayi Vijayan Rajendra Vishwanath Arlekar
13 Madhya Pradesh Bhopal Mohan Yadav Mangubhai Chhaganbhai Patel
14 Maharashtra Mumbai Devendra Fadnavis C.P. Radhakrishnan
15 Manipur Imphal N. Biren Singh
Ajay Kumar Bhalla
16 Meghalaya Shillong Conrad Kongkal Sangma
C H Vijayashankar
17 Mizoram Aizawl Lalduhoma General (Dr.) Vijay Kumar Singh, PVSM, AVSM, YSM (Retd.)
18 Nagaland Kohima Neiphiu Rio
La. Ganesan
19 Odisha Bhubaneswar Mohan Charan Majhi
Dr. Hari Babu Kambhampati
20 Punjab Chandigarh Bhagwant Singh Mann Gulab Chand Kataria
21 Rajasthan Jaipur Bhajan Lal Sharma Haribhau Kisanrao Bagde
22 Sikkim Gangtok PS Golay Om Prakash Mathur
23 Tamil Nadu Chennai M. K. Stalin R. N. Ravi
24 Telangana Hyderabad Anumula Revanth Reddy Jishnu Dev Varma
25 Tripura Agartala Dr. Manik Saha Indra Sena Reddy Nallu
26 Uttar Pradesh Lucknow Yogi Aditya Nath Anandiben Patel
27 Uttarakhand Dehradun Pushkar Singh Dhami Lt. Gen. Gurmit Singh
28 West Bengal Kolkata Mamata Banerjee Dr. C.V. Ananda Bose

Union Territories of India and Their Capitals

India has 8 union territories that are managed by the central government. Some of them have their own legislative assemblies. Below is the of these union territories and their capitals:

S.NO Union Territories Capital CM Lt. Governor
1 Andaman and Nicobar Island Port Blair NA D K Joshi
2 Chandigarh Chandigarh NA Banwarilal Purohit
3 Dadra and Nagar Haveli and Daman and Diu Daman NA Praful Patel
4 Delhi Delhi Rekha Gupta Vinai Kumar Saxena
5 Ladakh NA NA B. D. Mishra
6 Lakshadweep Kavaratti NA Praful Patel
7 Jammu and Kashmir NA Omar Abdullah Manoj Sinha
8 Puducherry Pondicherry N. Rangaswamy C. P. Radhakrishnan

Difference Between States and Union Territories

India is divided into states and Union Territories for administrative purposes. They are in different in how they are governed.

Basis of Difference States Union Territories
Head of Administration Governor Administrator or Lieutenant Governor
Government Type Elected by the People Managed by the central government
Powers Shares power with the central government. Controlled directly by the central government.

Indian States and their Languages

India is a country with a rich and diverse linguistic heritage. There are over 121 languages spoken in India, and each state has its unique linguistic landscape. The Indian Constitution recognizes 22 languages as “scheduled languages,” which are given special status in government and education.

S. No. States Language
1 Andhra Pradesh Telugu and Urdu
2 Arunachal Pradesh Miji, Apotanji, Merdukpen, Tagin, Adi, Honpa, Banging-Nishi
3 Assam Assamese
4 Bihar Hindi
5 Chhattisgarh Hindi
6 Goa Marathi Konkani
7 Gujarat Gujarati
8 Haryana Hindi
9 Himachal Pradesh Hindi and Pahari
10 Jharkhand Hindi
11 Karnataka Kannada
12 Kerala Malayalam
13 Madhya Pradesh Hindi
14 Maharashtra Marathi
15 Manipur Manipuri
16 Meghalaya Khashi, Jaintia, And Garo
17 Mizoram Mizo and English
18 Nagaland Ao, Konyak, Angami, Sema, and Lotha
19 Odisha Oriya
20 Punjab Punjabi
21 Rajasthan Rajasthani and Hindi
22 Sikkim Bhutia, Hindi, Nepali, Lepcha, Limbu
23 Tamil Nadu Tamil
24 Telangana Telugu
25 Tripura Bengali, Tripuri, Manipuri, Kakborak
26 Uttar Pradesh Hindi
27 Uttarakhand Hindi
28 West Bengal Bengali

Some Key Facts About Indian States

Each state in India is unique and has something special. Here are some interesting facts about a few states:

  • Andhra Pradesh: Famous for spicy food and historical sites like Charminar.
  • Assam: Know for tea gardens and Kaziranga National Park, home to the one-horned rhinoceros.
  • Bihar: A place with a rich history, home to Bodh Gaya and the ancient city of Pataliputra.
  • Goa: Popular for beautiful beaches and a lively nightlife.
  • Kerala: Famous for its backwaters, Ayurveda treatments and lush green nature.
  • Maharashtra: Mumbai, the financial capital, is also home to Bollywood.
  • Himachal Pradesh: Known for stunning hill stations and adventure sports.
  • Tamil Nadu: Famous for classical dance forms and grand temples.

Agreement Signed As India to Host International Big Cat Alliance (IBCA) Headquarters

In a landmark move reinforcing India’s global leadership in wildlife conservation, the Government of India signed a formal agreement with the International Big Cat Alliance (IBCA) to host its headquarters and secretariat. This agreement signifies India’s commitment to protecting the world’s seven major big cat species: tiger, lion, leopard, snow leopard, cheetah, jaguar, and puma. The IBCA, launched by Prime Minister Narendra Modi in April 2023 during the golden jubilee celebrations of Project Tiger, aims to foster global cooperation for conservation, research, and habitat preservation of these endangered species.

Key Highlights

Launch of IBCA

  • Launched by PM Modi in April 2023 during the 50th anniversary of Project Tiger.
  • Focus: Global conservation of seven big cats — tiger, lion, leopard, snow leopard, puma, jaguar, and cheetah.

Headquarters Agreement

  • India signed an agreement with IBCA to host its HQ and secretariat.
  • Marks India’s role as permanent host of the alliance.

Funding Support by Government of India:

  • Rs 150 crore corpus for infrastructure, functioning, and recurring expenditure.
  • Timeframe: 2023-24 to 2028-29.

Legal Status

  • Became a treaty-based intergovernmental organisation in 2024.
  • Came into force after ratification by 5 countries:
  • India, Liberia, Eswatini, Somalia, and Nicaragua.

Provisions in the Agreement:

  • Covers visa facilitation, privileges, and immunities for IBCA staff and premises.
  • Establishes guidelines for operation, governance, and supplementary agreements.

Key Officials

  • P Kumaran, Secretary (East), MEA – signed on behalf of India.
  • S P Yadav, Director General, IBCA – signed on behalf of IBCA.
Summary/Static Details
Why in the news? Agreement Signed As India to Host International Big Cat Alliance (IBCA) Headquarters
Organisation International Big Cat Alliance (IBCA)
Launched By PM Narendra Modi (April 2023)
Objective Global big cat conservation (7 species)
HQ Location India
HQ Agreement Signed  April 2025
Treaty-Based Members (First 5) India, Liberia, Eswatini, Somalia, Nicaragua
Funding by India ₹150 crore (2023–2029)

Which City of Malaysia is Known as the Garden City of Lights?

Malaysia is a country known for its modern cities, natural beauty and rich culture. Some cities are famous for their history, while others are known for their beauty and design. One special city in Malaysia is known by a unique name that shows its connection to nature and lights. This city stands out because of its greenery during the day and glowing charm at night.

An Overview of Malaysia

Malaysia is a country in Southeast Asia. It has two main parts – one part is on the Malay Peninsula, called Peninsula Malaysia and other part is on the island of Borneo, known as East Malaysia. It is ruled by a king and has a system of government. Kuala Lumpur is the capital city and Putrajaya is where the government offices are. Malaysia is known for its rich culture, growing economy and important location in Asia.

Garden City of Lights in Malaysia

Kuala Lumpur, the capital city of Malaysia, is known as the “Garden City of Lights.” This name comes from its beautiful green parks and gardens mixed with tall, brightly lit buildings. At night, the city shines with lights and has a lively nightlife, making it a perfect mix of nature and modern life.

Why is Kunala Lumpur Known as the Garden City of Ligths?

Kuala Lumpur is called the “Garden City of Lights” because it beautifully blends green parks with bright city lights and vibrant nightlife. Here are some reasons why kuala Lumpur earned the title of “Garden City of Lights”:

  • Green Spaces: Kuala Lumpur has many green areas like parks, gardens and even small forests. These give the city a fresh and beautiful look. Places like the Perdana Botonical Garden and KL Forest Eco Park are perfect examples.
  • Modern Lights and Buildings: The city has a bright and shining styles. At night, buildings like the Petronas  Twin Towers and other skyscrapers light up beautifully. This makes the city look glowing and modern.
  • Vibrant Nightlife: Kuala Lumpur is also known for its exciting nightlife. There are many cafes, restaurants, shopping malls and night markets that stay open late. All these lights and fun activities make the city lively and full of energy.

An Overview of Kuala Lumpur

Kuala Lumpur, often called KL, is the capital city and a federal territory of Malaysia. It is also the largest city in the country. The city covers 243 square kilometers and has a population of around 2 million people.

KL is part of a bigger area called Greater Kuala Lumpur or the Klang Valley, which has about 8.8 million people. This region is growing fast in both population and economic progress.

Kuala Lumpur is famous for its mix of modern buildings and natural beauty, which is why it is called the Garden City of Lights.

Union Minister inaugurated Athlete Passport Management Unit (APMU)

Union Minister Dr. Mansukh Mandaviya inaugurated the Athlete Passport Management Unit (APMU) at the National Dope Testing Laboratory (NDTL) in New Delhi. This initiative marks a significant advancement in India’s anti-doping efforts, aligning the country with international standards and reinforcing its commitment to fair, clean, and ethical sports practices.

The APMU will enable longitudinal tracking of athletes’ biological markers under the Athlete Biological Passport (ABP) system, making it possible to detect doping patterns without directly identifying banned substances. This also positions India as a supportive leader for the Global South, offering expertise and resources to neighboring countries.

Key Points

Inauguration Details

  • Inaugurated by: Dr. Mansukh Mandaviya, Union Minister of Youth Affairs & Sports, Labour & Employment
  • Date: 17 April 2025
  • Location: National Dope Testing Laboratory (NDTL), New Delhi
  • Attendees: Smt. Sujata Chaturvedi (Secretary, Sports), Shri Kunal (Joint Secretary), Prof. P. L. Sahu (CEO, NDTL), eminent scientists

What is the APMU (Athlete Passport Management Unit)?

  • Specialized unit to monitor and manage Athlete Biological Passports (ABP)
  • 17th APMU in the world; India’s first
  • Tracks an athlete’s biological markers over time (blood parameters, hormonal levels, etc.)
  • Aims to detect doping indirectly by identifying physiological anomalies

Significance for India & the Global South

  • Enhances India’s anti-doping capabilities as per WADA (World Anti-Doping Agency) standards
  • Promotes regional collaboration—India to support neighboring countries with tools, training, and knowledge
  • APMU acts as a “beacon of support for the Global South”
  • Fosters solidarity and fairness in sports globally

Athlete Biological Passport (ABP) – Explained

  • Electronic profile of an athlete’s biological markers collected over time
  • Helps in detecting doping patterns without testing for specific banned substances
  • Parameters include blood values, steroidal levels, etc.
  • First conceptualized with scientific and medical input, refined by WADA

Objectives of APMU

  • Ensure fair play and sports integrity
  • Detect unethical practices without invasive testing
  • Raise awareness about anti-doping in schools, colleges, and rural areas
  • Encourage involvement of sports federations, educational institutions, and scientists in anti-doping education
Summary/Static Details
Why in the news? Union Minister inaugurated Athlete Passport Management Unit (APMU)
Location National Dope Testing Laboratory (NDTL), New Delhi
Unit Name Athlete Passport Management Unit (APMU)`
Purpose Manage & track Athlete Biological Passports
Global Significance 17th APMU globally, 1st in India
Monitoring System Tracks biological markers (blood, hormones, etc.)
In line with WADA Guidelines
Role for Global South Knowledge-sharing, capacity building
Long-Term Vision Promote clean, ethical sports and regional collaboration

Cap-and-Trade Scheme in Gujarat’s Surat Achieves 30% Pollution Cut

A groundbreaking study, published in issue of The Quarterly Journal of Economics, has revealed that Surat’s cap-and-trade programme for particulate matter emissions has delivered significant environmental and economic benefits. This programme, launched in Gujarat’s industrial city of Surat, is the world’s first emissions trading scheme (ETS) for particulate matter and India’s first pollution trading system. The findings, based on a randomized controlled trial, show a substantial reduction in pollution levels, improved regulatory compliance, and decreased abatement costs, highlighting the viability of market-based approaches in low-state-capacity regions like India.

Key Highlights

About the Programme

  • Location: Surat, Gujarat – major industrial hub.
  • Initiated by: Gujarat Pollution Control Board (GPCB) with Energy Policy Institute, University of Chicago.
  • Started in: September 2019.
  • First of its kind: Globally for particulate matter (PM); India’s first pollution market.

Mechanism: How the Cap-and-Trade Works

  • Plants install Continuous Emissions Monitoring Systems (CEMS) for real-time emissions data.
  • Total emissions cap set for all 318 participating plants.
  • Plants receive or buy emission permits, allowing them to emit a specific quantity of PM.
  • 80% of permits were distributed free; 20% auctioned weekly.
  • Non-compliance leads to financial penalties.
  • Initial cap: 280 tonnes/month; later reduced to 170 tonnes/month.

Study Overview

  • Duration: Sept 2019 – Apr 2021 (includes COVID lockdown period).

Researchers

  • Michael Greenstone (University of Chicago)
  • Rohini Pande & Nicholas Ryan (Yale University)
  • Anant Sudarshan (University of Warwick)
  • Method: Randomised Controlled Trial (RCT) with 317 plants
  • 162 plants – ETS group
  • 155 plants – Control group (command-and-control regulation)

Key Findings

  • Emission reduction: 20–30% decrease in PM emissions by ETS plants.

Compliance

  • 99% for ETS group
  • 66% for control group.
  • Cost-effectiveness: ETS plants spent 11% less on abatement.
  • Environmental law compliance: Significantly improved.
  • Cost-benefit ratio: Market-based approach’s benefits outweighed its costs by at least 25x.

Significance

  • Proof of concept: Shows pollution markets can work even in low-state-capacity countries like India.
  • Demonstrates the superiority of market mechanisms over traditional regulations.
  • Offers a scalable model for other cities and countries facing similar pollution challenges.
Summary/Static Details
Why in the news? Cap-and-Trade Scheme in Gujarat’s Surat Achieves 30% Pollution Cut
Programme Name Surat Emissions Trading Scheme (ETS)
Pollutant Type Particulate Matter (PM)
Launch Year 2019 (Pilot)
Implemented by GPCB + University of Chicago (EPIC)
Monitoring System Continuous Emissions Monitoring System (CEMS)
Emission Cap Initially 280 tonnes/month → Revised to 170 tonnes/month
Permit System 80% free allocation, 20% auctioned
Trial Type Randomised Controlled Trial
No. of Plants Participated 162 (ETS), 155 (Control Group)

China’s Restriction on Rare Earth Exports

China imposed fresh restrictions on the export of seven rare earth elements (REEs), escalating tensions amid a turbulent global trade environment. This move came shortly after the United States imposed new tariffs on key trade partners. Given China’s long-standing dominance in rare earth mining and refining — vital for manufacturing electronics, clean energy systems, and military technologies — these restrictions are expected to ripple across several global industries, highlighting the urgent need for countries to diversify their supply chains and reduce dependence on Chinese exports.

Key Points

REE List China Restricted

Export restrictions on seven key REEs,

  • Samarium (Sm)
  • Gadolinium (Gd)
  • Terbium (Tb)
  • Dysprosium (Dy)
  • Lutetium (Lu)
  • Scandium (Sc)
  • Yttrium (Y)
  • Justification: National security, international obligations, non-proliferation

What are Rare Earth Elements (REEs)?

  • Definition: A group of 17 metallic elements known for their similar chemical properties and silver appearance.
  • Names: Includes lanthanides + scandium and yttrium.
  • Examples: Neodymium (Nd), Dysprosium (Dy), Samarium (Sm), Gadolinium (Gd), Yttrium (Y), Terbium (Tb), Lutetium (Lu), etc.
  • Properties: High magnetic and optical properties, making them vital for:
  • Magnets in electric vehicles & wind turbines
  • Digital displays, defense systems, smartphones, lasers

Why Are They Important?

Critical for,

  • Defense tech: jets, missiles, radar
  • Green energy: EVs, solar panels, wind turbines
  • Consumer electronics: smartphones, laptops
  • Used in phosphors, luminescent materials, magnets, and battery alloys

China’s Role in Global REE Market

  • Supplies 85-95% of global demand
  • Expertise in refining & processing, not just mining
  • Major deposits in Jiangxi, Guangdong, Hubei, Sichuan, Inner Mongolia
  • Declared as “strategic minerals” since 1990s

Past actions

  • 2010: Export ban during conflict with Japan
  • 2022: Threatened export halt to USA during trade war

Global Impact & Repercussions

  • Price Surge: Dysprosium price may rise from $230 to $300/kg
  • Supply chain disruption
  • Offshore wind turbines
  • Electric vehicle production
  • Aerospace and tech industry
  • Countries with stocks may experience short-term relief
  • Long-term dependency remains high
Summary/Static Details
Why in the news? China’s Restriction on Rare Earth Exports
Countries Affected Mainly USA, EU, Japan, others dependent on Chinese REEs
Restricted Elements Sm, Gd, Tb, Dy, Lu, Sc, Y
Global REE Dependence on China 85–95%
Key Uses Defense, clean energy, electronics
Expected Impact Price rise, supply chain disruption, accelerated diversification

Which City of Sweden is Known as Little London?

Sweden is a beautiful country in northern Europe, known for its clean cities, modern life and rich history. Some of its cities have special nicknames because of their unique culture or background. One Swedish city is called “Little London” due to its deep connection with British people, culture and business in the past. But which city is known by this interesting name? Let’s find out.

An Overview of Sweden

Sweden is a large country in Northern Europe, located on the Scandinavian Peninsula. It shares borders with Norway and Finland. Its capital is Stockholm. Sweden is the largest Nordic country and has around 10.6 million people. Most people live in cities, mainly in the central and southern parts. The country has a mix of climates because it stretches from the south to far north.

Little London in Sweden

Gothenburg is called “Little London” because many British people, especially from England and Scotland, moved there in the 1800s. They helped grow the city’s industries and brought their culture, like pubs and architecture. Due to this strong British influence, the city earned the nickname “Little London,” which is still used today.

Why is Gothenburg Known as Little London?

Gothenburg is known as the “Little London” because of the strong British influence during the 1800s, especially in trade, industry and culture. Here are some reason why Gothenburg earned the title of “Little London”:

British Influence in the 19th Century

In the 1800s, Gothenburg grew quickly as industries developed. Many people from Britain, especially Scottish and English businessman, moved to the city. They helped Gothenburg grow by starting factories and business.

Trade and Business with Great Britain

Gothenburg had strong trade connections with Great Britain. Its location on the west coast and near the North Sea made it easy to trade by ship. British goods and ideas flowed into the city.

Cultural Similarities

The British people brought some of their culture with them. For example, pub culture, some British-style buildings, and the general feel of the city reminded people of London. Because of this, locals started calling Gothenburg “Little London.”

An Overview of Gothenburg

Gothenburg is a city on the west coast of Sweden, located between Copenhagen (Denmark) and Oslo (Norway). It sits at the mouth of the Gota alv River, which flows into the North Sea. This location helped it become a major trading city. The area has rocky islands, mild weather due to the Gulf Stream and regular rainfall. Gothenburg is Sweden’s second-largest city after Stockholm.

World Heritage Day 2025, Date, Theme, Significance, Sites

World Heritage Day, also known as the International Day for Monuments and Sites, is observed on April 18 every year. It aims to raise awareness about the importance of conserving and protecting cultural and natural heritage around the world. This observance is vital for promoting sustainable tourism, community participation, and safeguarding history for future generations. In 2025, the day emphasizes disaster preparedness and conflict resilience, aligning with the global need to protect heritage sites under threat.

Key Points

World Heritage Day

  • Name of the Day: World Heritage Day / International Day for Monuments and Sites
  • Date Observed: April 18 (every year)
  • Organized By: International Council on Monuments and Sites (ICOMOS)
  • First Proposed: 1982 (by ICOMOS)
  • Recognized By: UNESCO in 1983
  • 2025 Theme: “Heritage under Threat from Disasters and Conflicts: Preparedness and Learning from 60 Years of ICOMOS Actions”

Purpose

  • To promote awareness of the importance of preserving monuments and heritage sites
  • To encourage sustainable tourism
  • To involve local communities in conservation

Significance in India

India has 43 UNESCO World Heritage Sites,

  • Cultural: 35
  • Natural: 7
  • India ranks 6th globally in number of World Heritage Sites
  • First Indian sites inscribed (1983): Ajanta Caves, Ellora Caves, Agra Fort, Taj Mahal

Recent Additions (2023–2024)

  • 2023: Santiniketan (West Bengal), Sacred Ensembles of the Hoysalas (Karnataka)
  • 2024: Moidams of the Ahom Dynasty (Assam)

Top Indian UNESCO World Heritage Sites

  • Taj Mahal/Uttar Pradesh
  • Ajanta & Ellora Caves/Maharashtra
  • Kaziranga National Park/Assam
  • Khajuraho Group of Monuments/Madhya Pradesh
  • Sun Temple, Konârak/Odisha
  • Dholavira/Gujarat
  • Heritage City of Ahmedabad
  • Mahabalipuram Group of Monuments/Tamil Nadu
  • Hampi/Karnataka
  • Western Ghats Western India 2012 Natural

Why It Matters (From a Travel & Civilizational Lens)

  • Encourages meaningful travel rooted in culture and conservation
  • Helps preserve collective global memory
  • Addresses modern threats like climate change, urbanization, and war
  • Educates on the historic, architectural, and ecological significance of sites
  • Fosters community participation and youth involvement in heritage protection

Global Perspective

  • UNESCO’s Mission: To promote peace through cultural heritage
  • World Heritage List: Over 1,100 sites across 167 countries

Challenges Globally

  • War and conflict (e.g., Syria, Yemen)
  • Natural disasters (earthquakes, floods)
  • Urbanization and climate degradation

Santosh Kumar Appointed Deputy CFO of IndusInd Bank

In a significant leadership change amidst ongoing financial scrutiny, IndusInd Bank has appointed Santosh Kumar as its Deputy Chief Financial Officer (CFO). This move comes following the end of Deputy CEO Arun Khurana’s tenure as acting CFO. The bank has been facing mounting challenges due to elevated bad loans in the microfinance sector and accounting discrepancies in its derivative transactions, leading to considerable financial impact and regulatory scrutiny.

Key Points

Leadership Change

  • New Appointment: Santosh Kumar named Deputy CFO of IndusInd Bank.
  • Effective Date: April 18, 2025.
  • Reason: To head finance and accounts functions after Arun Khurana’s term ended.
  • Pending: Appointment of a full-time CFO still awaited.

Bank Profile

  • IndusInd Bank: India’s 5th-largest private lender by assets.
  • Sectoral Focus: Strong presence in microfinance, corporate banking, and retail loans.

Financial Irregularities

  • Accounting Gaps: Discrepancy in booking of currency derivatives going back at least six years.

Estimated Financial Impact

  • Initial Estimate: ₹1,600 crore.
  • PwC Estimate: ₹1,979 crore (Approx. $175 million).
Summary/Static Details
Why in the news? Santosh Kumar Appointed Deputy CFO of IndusInd Bank
New Deputy CFO Santosh Kumar
Outgoing CFO Arun Khurana (Deputy CEO)
Bank Rank 5th-largest private sector bank in India
Share Price Fall 15% since March 10, 2025
Microfinance Impact Elevated bad loans led to declining profits

India’s First Quantum Key Distribution (QKD) Over Multi-Core Fibre

In a groundbreaking development, the Centre for Development of Telematics (C-DOT), in collaboration with Sterlite Technologies Ltd. (STL), has successfully tested India’s first Quantum Key Distribution (QKD) transmission over a 4-core Multi-Core Fibre (MCF). This achievement marks a significant leap forward in India’s efforts to establish a secure and cost-effective national quantum communication network.

Key Highlights

  • First in India: Successful demonstration of QKD over a 4-core Multi-Core Fibre — a national first.
  • Partners: Joint initiative between C-DOT (India’s telecom R&D center under the DoT) and Sterlite Technologies Ltd. (a global optical networking leader).
  • Distance Achieved: QKD transmission tested and sustained over a distance exceeding 100 km.

Core Utilization

  • One core: Dedicated to QKD (quantum signal).
  • Remaining three cores: Used to carry high-speed classical data traffic simultaneously.

Significance of MCF

  • Allows physical separation of quantum and classical signals.
  • Enables simultaneous transmission without interference.
  • Reduces infrastructure and fibre deployment costs.

Other Info

  • Technology Approval: C-DOT’s QKD systems have received approval from the Telecommunication Engineering Centre (TEC).
  • Security and Efficiency: Demonstrates that quantum-secured communication can co-exist with conventional data traffic on a single optical fibre.
  • Public-Private Collaboration: This success reflects the strength of collaboration between public R&D and private enterprise in India’s digital growth.

Organizations Involved

C-DOT (Centre for Development of Telematics)

  • Premier R&D center under the Department of Telecommunications (DoT).
  • Focuses on indigenous telecom technology.
  • Developed QKD systems approved by TEC.

Sterlite Technologies Ltd. (STL)

  • Global leader in optical fibre, connectivity, and digital networks.
  • Developed indigenously manufactured Multi-Core Fibre.
  • Uses Space Division Multiplexing for ultra-high data capacity.
Summary/Static Details
Why in the news? India’s First Quantum Key Distribution (QKD) Over Multi-Core Fibre
Achievement India’s 1st QKD transmission over Multi-Core Fibre (MCF)
Organizations Involved C-DOT & Sterlite Technologies Ltd. (STL)
Fibre Type 4-core Multi-Core Fibre
Transmission Distance Over 100 km
Classical High-Speed Data Channels 3 cores
Benefits Cost-saving, simultaneous QKD and data transmission, secure communication
Technology Approval QKD systems approved by TEC (DoT)

BIFR Full Form, Know Its Meaning, History, Goals, Structure and Achievements

The Board for Industrial and Financial Reconstruction (BIFR) was an organization of the Indian Government. It was created to help industries that were in financial trouble. BIFR tried to save and bring back sick companies or help close them down in a proper way. Let’s understand its history, goals and achievements.

Full Form of BIFR

The full form of BIFR is Board for Industrial and Financial Reconstruction. It was an organization set up by the Indian government in 1987 to help sick companies recover from financial problems. BIFR aimed to either revive struggling industries or help close them down in a proper way. It was closed in December 2016, and its functions were transferred to NCLT and NCLAT.

Historical Background of BIFR

BIFR officially started working on 15 May 1987. In 1991, a new industrial policy was introduced to support business growth and new technologies. That year, the SICA law was changed to include public sector companies as well.

In 2002, a new law called the SARFAESI Act took away some powers from BIFR. This act allowed banks to recover loans without going through BIFR. It helped banks deal with bad loans more effectively.

Main Goals of BIFR

The main aim of BIFR was to:

  • Help sick companies recover and become profitable again.
  • Close down companies that could not be saved.
  • Stop new sick companies from coming up in the future.

BIFR looked after only large or medium-sized companies where a lot of money was lost.

Functions of the BIFR

The Board for Industrial and Financial Reconstruction (BIFR) is an important organization that helps struggling companies in India. It works towards saving companies that are not able to pay off their debts and need financial help. Below are its main functions:

  • Declaring a company as sick
  • Giving directions to manage a sick company
  • Helping with financial and operational changes
  • Passing orders on company matters
  • Monitoring the orders
  • Providing guidance
  • Coordinating with other organizations
  • Giving information to the government

Members of the Board of  Industrial and Financial Reconstruction

BIFR is made up of a group of experts from different areas. These experts are appointed by the Government of India. The main members include:

  • A chairman, appointed by the Government of India.
  • Representatives from the Ministry of Finance, Ministry of Law and Justice and Ministry of Industry.
  • A member from the Reserve Bank of India and the Securities and Exchange Board of India.
  • Representatives from public sector banks and financial institutions.
  • Members from public and private sector organizations.

The members are appointed for three years and can be reappointed after their term.

Achievements of the BIFR

BIFR has played a significant role in helping sick companies get back on their feet. Here are some of its achievements:

  • BIFR has successfully helped many companies through financial restructuring, allowing them to recover and continue their business.
  • It has worked to protect workers’ interests by resolving disputes between company management and employees.
  • BIFR has coordinated with banks and other institutions to provide financial support for company rehabilitation.
  • By helping companies recover, BIFR has contributed to the country’s economy by keeping industries alive and contributing to growth.

Benefits of the BIFR

The work of BIFR provides several benefits to companies and the economy as a whole:

  • BIFR helps sick companies restructure their finances and operations, making it possible for them to recover and continue business.
  • BIFR helps resolve disputes and ensures that the rights of workers and other stakeholders are protected during the rehabilitation process.
  • By helping sick companies recover, BIFR ensures the growth and stability of industries in the country.
  • When BIFR helps companies recover, it directly benefits the national economy by keeping industries functioning and providing jobs.
  • BIFR ensures that the assets of sick companies are used in the best way possible to maximize value and help the company recover.
  • BIFR gives companies the guidance they need to create and implement a rehabilitation plan, helping them to overcome financial challenges.
  • BIFR works with various agencies, like banks, to make sure companies get the resources they need for their recovery.

Limitations of the BIFR

While BIFR has been helpful in many cases, it also has some limitations:

  • BIFR only deals with companies that are “sick,” meaning they cannot pay their debts and have negative net worth. It cannot help healthy companies or those that are struggling but not officially sick.
  • BIEF relies on banks, financial institutions and other agencies for the success of its orders. If these organizations don’t cooperate, BIFR’s efforts may not be fully effective.
  • BIFR has limited power to force companies to follow its orders. It can take action against companies that don’t comply, but it cannot impose penalties or fines.
  • BIFR has limited staff and resources, which can affect its ability to handle a large number of sick companies effectively.
  • Despite its efforts, many companies that BIFR declares sick eventually close down or are liquidated, showing that the success rate of its recovery plans is not always high.
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