Descriptive Prep: Brajesh Mohan

Religious conversion without actual belief to gain employment is against reservation policy and a fraud on Constitution: SC verdict https://www.thehindu.com/news/national/religious-conversion-without-actual-belief-to-gain-employment-is-against-reservation-policy-and-a-fraud-on-constitution-sc-verdict/article68917590.ece

Supreme Court flags 'worrying trend': When love turns sour, FIRs follow. The Supreme Court highlighted a 'worrying trend' of criminalising long-term consensual relationships when they turn sour, calling for careful scrutiny to prevent misuse of criminal laws https://www.business-standard.com/india-news/supreme-court-flags-worrying-trend-when-love-turns-sour-firs-follow-124112700403_1.html

Mental Health at the workplace or Growing Mental health issue among youth as a Topic in general AI in Banking Sector - Pros and Cons (Very Important) Climate Change and It's impact. Also CoP 29 is going and there is major discussion on Climate Finance. Rural Women Empowerment - As govt of India is doing Lakhpati Didi and recent elections proved the success of various states giving cash benefits to women as Ladli Bahin etc. Digital Fraud, it's impact and Solutions to curb - Digital Arrest has been mentioned by PM Modi 2-3 times recently and this issue is gaining prominence. Or Emerging Cyber security threats in financial sector and solutions. Role of Social Media in Financial Decision making or Role of Influencers in marketing. Financial Inclusion, Financial Literacy, Digital Financial literacy. One Nation, One Election - Discuss the arguments around holding simultaneous elections in India? Also analyse the challenges in its implementation. Inequality - Gender related or Inequality - Economic related. Letters:- Mostly they as ask Letter to Editor, Bank Manager, Municipal Corporation, Secretary of housing society, Police Commissioner. Formal Letter to Editor regarding Global Warming Formal Letter to Bank Manager ATM Machine Change Informal Letter to your sister regarding Govt. Job Preparation and Leave your Private Job Formal Letter to Editor regarding Global Warming Formal Letter to Bank Manager ATM Machine Change Informal Letter to your sister regarding Govt. Job Preparation and Leave your Private Job Letter to Editor: Raise concerns about the tampering of currency notes by people punching pins into them. Letter to Editor: Raise concerns about the tampering of currency notes by people punching pins into them.

Why developing nations like India are unhappy about the $300 billion COP29 deal https://www.indiatoday.in/environment/story/why-developing-nations-like-india-are-unhappy-about-the-300-billion-cop29-deal-2639727-2024-11-25

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Understanding India’s transitioning food patterns, processed foods, and how they impact health https://www.thehindu.com/sci-tech/health/understanding-indias-transitioning-food-patterns-processed-foods-and-how-they-impact-health/article68871830.ece

Empowering rural women https://www.thehindu.com/opinion/open-page/empowering-rural-women/article68860562.ece

RBI study explores how Indian banks leverage AI https://www.medianama.com/2024/10/223-private-banks-lead-in-ai-adoption-but-public-sector-catching-up-says-rbi-study/

At the COP29 climate conference held in Baku, countries approved a long-awaited agreement to finalize a global carbon market. This system, rooted in the Paris Agreement's Article 6, will enable nations to trade carbon credits—certified reductions in emissions. The prices of these credits are influenced by emission caps set by individual countries. What Is a Carbon Market? — Article 6.2: Facilitates bilateral carbon trade between countries. — Article 6.4: Focuses on establishing a global carbon market regulated by a UN body. — The operational framework for the market has been under discussion since 2022, with delays caused by the need for transparency and credibility in carbon credit generation. COP29 President Mukhtar Babayev hailed the breakthrough as a "game-changing tool" to funnel resources to developing nations.

Article 243-I of the Constitution: — Requires states to constitute an SFC within one year of the commencement of the 73rd Amendment (1992) and thereafter every five years. — SFCs are tasked with reviewing the financial position of panchayats and recommending principles for the distribution of state revenues between the state and panchayats.

Retail inflation rate surged to a 14-month high of 6.21 per cent in October with a sharp rise in prices of food items, especially fruits, vegetables, meat and fish, and oils and fats, data released by the National Statistical Office. Core Contributors to Inflation Food and Beverages: — Accounts for 45.86% of the Consumer Price Index (CPI) weight. — Inflation rose to 9.69% in October from 8.36% in September. Vegetables: — Inflation jumped to 42.18% in October, up from 35.99% in September. — Unseasonal rains and extended monsoons were key contributors. The October CPI print breaches the RBI’s medium-term inflation target band of 4% ± 2% for the second consecutive month. RBI Governor Shaktikanta Das has emphasized a cautious approach, reiterating that the neutral stance adopted in October does not imply an imminent rate cut.

The Reserve Bank of India (RBI) has issued new directives for foreign portfolio investors (FPIs) to ensure compliance when their equity holdings exceed prescribed limits and are reclassified as foreign direct investment (FDI). FEM (NDI) Rules, 2019: - FPIs’ investments should remain below 10% of the total paid-up equity capital (on a fully diluted basis). - Exceeding this limit requires FPIs to either: — Divest the excess holdings within five trading days, or — Reclassify the holdings as FDI.

State Bank of India, HDFC Bank and ICICI Bank continue to be identified as Domestic Systemically Important Banks (D-SIBs) in the 2024 list of this category. What are the capital requirements for D-SIBs? — Based on the bucket in which a D-SIB is placed, an additional common equity requirement has to be applied to it. The additional capital requirement ranges from 0.20 per cent to 0.80 per cent of risk weighted assets, depending upon the bucket D-SIBs are plotted into. — On Wednesday, the RBI said, the additional common equity tier 1 (CET1) requirement as a percentage of Risk Weighted Assets (RWAs) for SBI is 0.80 per cent. The additional fund requirement for HDFC Bank is 0.40 per cent, and that for ICICI Bank is 0.20 per cent.

4.5 lakh ‘mule’ accounts frozen, many in public sector banks https://indianexpress.com/article/india/cyber-crimes-4-5-lakh-mule-accounts-frozen-many-in-public-sector-banks-9665085/ Banking Sector Shortcomings: - Fraudsters are leveraging KYC documents of unsuspecting individuals to create mule accounts. - Gaps in monitoring and verification have been identified, with potential involvement of bank officials. These fraudsters are using Payment Banks Account, CSP centers of PSBs specially SBI to create such mule account and many a times these accounts are based out of Far reaching areas of North East, LWE districts etc. Note: In short, if you have lost your money to Fraud, then don't expect it to be returned (Chances of return is 0.001% so make sure you don't get defrauded.)