Economics an addiction( Dr. Vibhas jha)

🟥 We’re LIVE NOW! https://youtube.com/live/NINLpleseHI Beyond Classroom EP-134 - UPI Transaction New Rules Explained 📱 Understanding the latest changes in UPI transactions, the new rules, and their impact on India’s digital payment ecosystem is crucial for your UPSC preparation. From digital payments to fintech developments, this session will help you decode what truly matters for Prelims & Mains. 💬 Join the discussion, share your questions, and be part of this important session. 🚀

Meeting you tonight for a discussion on new upi rules and their analysis

🚨 Beyond Classroom | EP-134 - UPI Transaction - New Rules Explained 💳 Have a question or suggestion for the session? Submit it here: https://forms.gle/2vh34Ab7GvLSpbtR7 Understand the new rules governing UPI transactions, what has changed, and how these updates could impact digital payments in India. 📅 Date: 18th September ⏰ Time: 9:00 PM 📍 YouTube Live Session Join us for an insightful discussion on UPI, digital payments, and the key developments relevant for UPSC preparation. 🚀

The first is pib giving govt explanation. The you tube video is Professor Gulati's explanation, highlighting the policy mistake.

Factsheet Details:Factsheet Details | PIB https://share.google/oq5bXJ2qbLJ6N6BY8

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The paper was on predictable lines but lengthy

Ans28.) Net fdi in India has fallen from $23 billion in 2023 to 0.8 billion in 2024, recovering to above 5 billion in last two financial years. Net fdi is gross fdi - repatriation of profit by foreign firms and outflow of investment by Indian firms. It has fallen due to - Tight global liquidity conditions have forced foreign firms to repatriate more profit as they needed liquidity - Uncertainty of global markets played a role in seeking safer markets. - Higher return on dollar denominated assets. - Indian market was giving higher return value on investment in start ups so with IPO of those start ups the foreign investors booked their profit. - Poor profit earning by firms also played a role in retraction. However the confidence in Indian economy is high as seen by record inflow of gross fdi which has increased from $71 billion in 2024 to 94 billion by 2026. Ti assure better inflow of Fdi, policy should focus on - Better ease of doing business at state government level. - Improved infrastructure support to create cluster based manufacturing - Development of new urban infrastructure and industrial township - Promoting procedural ease in getting permission - Input market reforms at a faster pace. Thus it will help in keeping productivity high and macro economy stable along with stable currency value.

Ans27.) Rupee has depreciated by more than 12% against dollar in last 18 months and govt and RBI have taken multiple steps to control it. The reasons for depreciation are - Correction of REER which had been overvalued for very long. - Pressure on current account due to US IRAN war which has kept crude oil at higher price - Outflow of fpi consistently for two years, going beyond 30 billion. - Net fdi has dropped significantly in last three years to below $10 billion, compared to being above $20 billion before that. - Rise in fertilizer import bill and poor monsoon expectations play a role in creating further expectations of depreciation. Govt and RBI has taken following steps to control it - Swap of dollar and rupee in December 2025 to create more supply of dollars by RBI - Purchase of rupee denominated bonds to make them more attractive - RBI has also increased the limit of investment for fpi in Indian firms to 15% for individual fpi and 24% for cumulative investments in June 2026 - Allowing banks to raise money through FCNR(B) account at concessional rate by bearing their hedging cost by RBI. RBI has also allowed inflow of deposits in banks through OCI and ECB routes. -Govt removed the withholding tax of 20% on interest and capital gains tax on fpi for investment in govt bonds. - FPI is allowed to invest in Indian govt bonds of 15,30 & 40 years duration through FAR, which was earlier not allowed. - Increasing import duty on gold and silver to curb their imports. Thus the steps have resulted in stabilizing rupee value and it has remained stable for last 3 months. The inflow of dollar of more than $50 billion has also helped in strengthening investor's confidence and in July and August FPI has remained a positive net investor in India in equity market too. Thus Indian economy should continue with internal reforms to improve its position on current account and also to maintain macro economic stability which will keep it attractive on capital account.

Dear all I am providing interview guidance like every year for IES. Those of you who want to join please leave your contact number on following telegram id @Economics_08 @dnain01 @arbnj. Blessings