APTI PLUS Academy For Civil Services

🎉 An Incredible Start to Our New WBCS Weekend Batch! 📍 Apti Plus, Salt Lake ━━━━━━━━━━━━━━━━━━━━━ The energy was unmatched today! A heartfelt thank you to every student who showed up — both Offline & Online — in such amazing numbers. You truly made today special! ━━━━━━━━━━━━━━━━━━━━━ ★ Today's Sessions → 🏛️ Polity — Partha Sir → 📜 History — Arghyadeep Sir Interactive, engaging & absolutely on point! ━━━━━━━━━━━━━━━━━━━━━ ★ WBCS 2025 isn't just a target — it's a MISSION. → With the right guidance and your dedication, let's conquer it together! ━━━━━━━━━━━━━━━━━━━━━ ★ Missed the Weekend Batch? Don't Worry! → 🗓️ New WBCS Weekdays Batch → 📅 Starting: 6th July → 🪑 Few Seats Left — Act Fast! ━━━━━━━━━━━━━━━━━━━━━ ★ Enroll Now → ☎️ 8820341777 → ☎️ 8100765577 ━━━━━━━━━━━━━━━━━━━━━ #WBCS2025 #WBCSPreparation #AptiPlus #AptiPlusSaltLake #WBCSCoaching #CivilServices #WestBengalCivilService #WBCSOfficer #KolkataEducation

𝐃𝐀𝐈𝐋𝐘 𝐏𝐑𝐄𝐋𝐈𝐌𝐒 𝐏𝐘𝐐 | 𝟎𝟒𝐓𝐇 𝐉𝐔𝐋𝐘 𝟐𝟎𝟐𝟔

📌 Today's Editorial Analysis | Relevant for UPSC, WBCS & OPSC 💧 Building Water Security in a Rapidly Drying India India is facing a growing water crisis due to erratic monsoons, over-extraction of groundwater, and increasing pressure on rivers and urban water systems. Key Issues: 🔹 Infrastructure gaps in water supply and treatment 🔹 Poor data and monitoring systems 🔹 Unsustainable groundwater extraction Way Forward: ✅ Climate-resilient water infrastructure ✅ Wastewater recycling and reuse ✅ Precision micro-irrigation ✅ AI-based monitoring and smart water management 🎯 Exam Relevance: This topic is important for UPSC, WBCS, and OPSC under Environment, Geography, Economy, Disaster Management, and Governance. It is highly relevant for both Prelims and Mains preparation.

📢 Important Update for UPSC Aspirants! Candidates who have qualified UPSC CSE/IFoS Prelims 2026 may be eligible for a ₹1,00,000 one-time financial assistance under Coal India's NIRMAN 2026 CSR Scheme (subject to eligibility). ✅ If you know someone who has cleared the Prelims, please forward this message—they shouldn't miss this opportunity.

Answer: D Explanation: Pair 1 is correctly matched: Zaporizhzhia is home to Europe's largest nuclear power plant and remains a critical focus point in the ongoing Russia-Ukraine conflict. Pair 2 is correctly matched: The Tigray Region in northern Ethiopia has been recovering from a severe, multi-year humanitarian and military crisis. Pair 3 is correctly matched: Rakhine State in western Myanmar is the focal point of the Rohingya crisis and intense domestic conflicts between the military junta and ethnic armed groups. Pair 4 is correctly matched: Sana'a is the capital city of Yemen, heavily involved in Middle Eastern geopolitical developments and conflict dynamics. Q5. Consider the following statements: Statement-I: The Reserve Bank of India (RBI) has tightened norms and increased risk weights on unsecured consumer loans and credit card receivables for commercial banks and Non-Banking Financial Companies (NBFCs). Statement-II: High growth in unsecured retail credit can lead to systemic financial vulnerabilities and a rise in Non-Performing Assets (NPAs) during economic downturns. Which one of the following is correct in respect of the above statements? A. Both Statement-I and Statement-II are correct and Statement-II is the correct explanation for Statement-I. B. Both Statement-I and Statement-II are correct but Statement-II is not the correct explanation for Statement-I. C. Statement-I is correct but Statement-II is incorrect. D. Statement-I is incorrect but Statement-II is correct. Answer: A Explanation: Statement-I is correct: The RBI issued directives increasing the risk weights on unsecured personal loans, consumer durable loans, and credit card exposures by 25 percentage points for both banks and NBFCs to curb irrational exuberance in retail lending. Statement-II is correct: Unsecured loans lack collateral. Unchecked growth in this segment exposes the banking sector to rapid defaults if macro-economic conditions worsen. Therefore, Statement-II is the exact regulatory rationale behind the macroprudential measures taken in Statement-I.

Q1. The 'ColOMBO Security Conclave (CSC)', frequently mentioned in the news, is primarily focused on cooperation in which of the following areas? A. Maritime safety, security, and countering transnational organized crime in the Indian Ocean. B. Financial regulation and preventing money laundering across the South Asian Association for Regional Cooperation (SAARC) nations. C. Joint development of space technologies and satellite launch facilities among East Asian nations. D. Cybersecurity frameworks and data protection laws under the Bay of Bengal Initiative for Multi-Sectoral Technical and Economic Cooperation (BIMSTEC). Answer: A Explanation: The Colombo Security Conclave (CSC) was established to forge closer cooperation on maritime safety and security, countering terrorism, radicalization, trafficking, transnational organized crime, cyber security, and protection of critical infrastructure in the Indian Ocean region. India, Sri Lanka, the Maldives, and Mauritius are full members. Q2. Consider the following statements regarding the 'Digital Public Infrastructure (DPI)' and the 'Global Digital Public Infrastructure Repository (GDPIR)': 1. The GDPIR is an initiative launched by the International Telecommunication Union (ITU) to standardize global internet protocols. 2. India’s India Stack, which includes Aadhaar, UPI, and DigiLocker, is a core example of operational DPI shared on global platforms. 3. The GDPIR aims to bridge the digital divide by hosting open-source, safely designed digital identity and payment blueprints for developing nations. Which of the statements given above are correct? A. 1 and 2 only B. 2 and 3 only C. 1 and 3 only D. 1, 2, and 3 Answer: B Explanation: Statement 1 is incorrect: The GDPIR was developed and launched by India during its G20 Presidency, not by the ITU. It is managed by the Ministry of Electronics and Information Technology (MeitY) to share DPI practices globally. Statement 2 is correct: India Stack (Aadhaar, UPI, DigiLocker, etc.) is the foundational framework of India's DPI and serves as a primary showcase on the GDPIR platform. Statement 3 is correct: The primary objective of the GDPIR is to act as a voluntary, open-source repository for countries to share and adopt safely designed DPI blueprints to close the global digital divide. Q3. Consider the following statements regarding the 'Pari-Passu Charge', a financial term recently highlighted in banking and insolvency sector regulations: 1. It gives multiple creditors equal rights over a borrower's secured assets in proportion to their respective debts. 2. In the event of liquidation under the Insolvency and Bankruptcy Code (IBC), a creditor with a pari-passu charge holds priority over a creditor holding a exclusive first charge. 3. This mechanism is primarily utilized in consortium lending to distribute risk among multiple commercial banks. Which of the statements given above is/are correct? A. 1 only B. 1 and 3 only C. 2 and 3 only D. 1, 2, and 3 Answer: B Explanation: Statement 1 is correct: A pari-passu charge ensures that all participating lenders have an equal, proportional right over the secured assets of a borrower without any single lender claiming absolute priority over the others. Statement 2 is incorrect: A creditor with a valid, exclusive first charge over a specific asset retains priority over that specific asset compared to lenders holding a shared pari-passu charge on a broader pool of assets. Statement 3 is correct: It is the standard operating mechanism in consortium lending and multiple banking arrangements, allowing multiple banks to secure their credit risk proportionally against the same corporate collateral. Q4. Consider the following pairs of geographic locations/regions in international news and the countries they belong to: 1. Zaporizhzhia: Ukraine 2. Tigray Region: Ethiopia 3. Rakhine State: Myanmar 4. Sana'a: Yemen How many of the above pairs are correctly matched? A. Only one pair B. Only two pairs C. Only three pairs D. All four pairs

Q5. Consider the following statements: Statement-I: The Reserve Bank of India (RBI) has tightened norms and increased risk weights on unsecured consumer loans and credit card receivables for commercial banks and Non-Banking Financial Companies (NBFCs). Statement-II: High growth in unsecured retail credit can lead to systemic financial vulnerabilities and a rise in Non-Performing Assets (NPAs) during economic downturns

Q4. Consider the following pairs of geographic locations/regions in international news and the countries they belong to: 1. Zaporizhzhia: Ukraine 2. Tigray Region: Ethiopia 3. Rakhine State: Myanmar 4. Sana'a: Yemen

Q3. Consider the following statements regarding the 'Pari-Passu Charge', a financial term recently highlighted in banking and insolvency sector regulations: 1. It gives multiple creditors equal rights over a borrower's secured assets in proportion to their respective debts. 2. In the event of liquidation under the Insolvency and Bankruptcy Code (IBC), a creditor with a pari-passu charge holds priority over a creditor holding a exclusive first charge. 3. This mechanism is primarily utilized in consortium lending to distribute risk among multiple commercial banks.

Q2. Consider the following statements regarding the 'Digital Public Infrastructure (DPI)' and the 'Global Digital Public Infrastructure Repository (GDPIR)': 1. The GDPIR is an initiative launched by the International Telecommunication Union (ITU) to standardize global internet protocols. 2. India’s India Stack, which includes Aadhaar, UPI, and DigiLocker, is a core example of operational DPI shared on global platforms. 3. The GDPIR aims to bridge the digital divide by hosting open-source, safely designed digital identity and payment blueprints for developing nations

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