اکنون در دسترس! پژوهش تلگرام ۲۰۲۵ — مهمترین بینشهای سال 
Ateeq Mentorship for UPSC
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Mentor at Arkreflections ,ForumIAS, Faced 2 interviews, 6mains. Teaching since 2018. Contact @ateeqsk991
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پستهای کانال
#Sciencetech #CurrentAffair
IndiGen Program:
1)The IndiGen program is an initiative by the Council of Scientific and Industrial Research (CSIR) in India.
2)Its aim is to conduct whole-genome sequencing for a large number of Indians to develop a comprehensive understanding of the genetic diversity specific to the Indian population.
3)The data generated from the IndiGen program is intended to facilitate genetic research and inform healthcare decisions, with an emphasis on personalized medicine and understanding the genetic basis of various diseases.
Genome India Project:
1)The Genome India Project is a collaborative research project involving several institutions across India.
2)It is led by the Centre for Brain Research at the Indian Institute of Science, Bengaluru, and involves collaboration with 20 institutions
3)It aims to collect 10,000 genetic samples from individuals across the country to construct a reference genome for the diverse Indian populace.
4)The project seeks to enable genetic studies on a population scale to better understand the genetic makeup of Indians and its implications for health and disease.
| 2 | Those of you who cleared and who did not clear if you want to talk to me can ping me @ateeqsk991 | 322 |
| 3 | #CurrentAffair #Polity
Panel on Demographic Changes in India
The Centre has constituted a committee chaired by retired Supreme Court judge Justice P.P. Naolekar to study demographic changes in the country.
Objective:
The panel will assess patterns of abnormal population shifts among religious and social communities and recommend time-bound solutions.
Government Concern:
Home Minister Amit Shah described “unnatural demographic change” as a major challenge to national security, law and order, and social structure.
PM’s Statement:
In his 2025 Independence Day address, PM Narendra Modi called illegal infiltration a “premeditated conspiracy” to alter India’s demography. | 326 |
| 4 | Government might ban telegram.
As a precaution u can join here. Contacts are not visible to anyone including admin | 393 |
| 5 | Follow the UPSC With Ateeq channel on WhatsApp: https://whatsapp.com/channel/0029VamTEauD38CWvZbnHn0Z | 529 |
| 6 | WR-CSP-2026-RollList-Engl-150626.pdf | 701 |
| 7 | #CurrentAffair #Polity
Care Economy
The Supreme Court of India officially recognizes homemakers as "nation builders" and values their unpaid domestic labor and caregiving as a core pillar of the care economy.
The Court has firmly established ₹30,000 per month as the baseline for calculating compensation in accident and family law cases, acknowledging that their unpaid work contributes significantly to India's GDP | 923 |
| 8 | #Society #Ethics
Social-Emotional Learning
Economic Survey highlights that lifestyle choices, workplace culture and family situations are critical for productivity and if India’s economic ambitions are to be met, then immediate attention must be given to lifestyle choices that are often made during childhood/youth.
The Economic Survey highlights that the increase in mental health issues in children and adolescents is often linked to the overuse of the internet and, specifically, social media. Giving reference to Jonathan Haidt’s book ‘The Anxious Generation: How the great rewiring of children is causing an epidemic of mental illness’ Survey emphasizes that the arrival of the “phone-based childhood” is rewiring the very experience of growing up. | 920 |
| 9 | #CurrentAffair #Sciencetech
Government Constitutes AI Governance and Economic Group (AIGEG)
The Ministry of Electronics and Information Technology (MeitY), Government of India, has constituted the AI Governance and Economic Group (AIGEG), a high-level inter-ministerial body that will serve as India’s central institutional mechanism for AI governance policy development and coordination.
The constitution of the AIGEG gives formal effect to institutional recommendations made in India’s AI Governance Guidelines and the Economic Survey. | 682 |
| 10 | #CurrentAffair #Sciencetech
Role of AI according to Economic Survey
1)Non-invasive AI-enabled thermal imaging tools in southern India are enabling early breast cancer screening in low-resource settings.
2)Portable and low-cost AI-assisted oral cancer screening devices are bringing early detection to primary healthcare centers in eastern India.
3)AI-enabled agricultural networks are improving market access, price discovery, and logistical efficiency for 1.8 million farmers across 12 States.
4)India’s approach to AI adoption also includes initiatives such as Bhashini under MEiTY, and AI4Bharat developed by IIT Madras. Language and voice-first AI systems are extending the reach of digital services. | 637 |
| 11 | #CurrentAffair #Economy
RBI interest rates
In theory, if the repo rate goes up, all lending rates go up, cost of credit goes up, and that should ideally affect demand and curb inflation.
Despite liquidity conditions having remained tight in late 2023, banks do not seem to have passed on the higher cost of funds to borrowers whose loans are linked to MCLR.
“One reason could be a concern regarding losing these loan accounts to competitors and, hence, loss of market share.
EBLR refers to external benchmark-based lending rate, which, as the name suggests, is linked to benchmarks like the RBI repo rate and is used to price loans.
Loans tied to the External Benchmark-based Lending Rate (EBLR) quickly adjust with the repo rate, while those tied to the Marginal Cost of Funds-based Lending Rate (MCLR) lag behind. For instance, between May 2022 and March 2024, the median one-year MCLR only rose by 155 basis points, compared to a 250 basis point increase in the repo rate. | 425 |
| 12 | #CurrentAffair #Economy
Marginal Cost of Funds-based Lending Rate (MCLR) It is a minimum interest rate that a bank must charge on their loans, mandated by the Reserve Bank of India (RBI), which took effect on April 1, 2016.
MCLR replaced the base rate system to determine the rates for lending more effectively. The main intent behind introducing MCLR was to bring more transparency in the way banks calculate the interest rates on advances and to ensure that the interest rates on loans are more responsive to policy rate changes.
Factors Influencing MCLR:
1)Marginal Cost of Funds: This is the primary component and refers to the cost incurred on new deposits, which is used to determine the lending rate. It reflects the repo rate and the changing deposit rates which are the costs of funds for the bank.
2)Negative Carry on Account of CRR: This represents the cost that the bank has to bear for maintaining the Cash Reserve Ratio (CRR) with the RBI, which does not earn any interest.
3)Operating Costs: These are the expenses incurred by the bank to provide lending services, including the cost of raising funds.
4)Tenor Premium: This is an additional amount over the base rate that banks can charge from borrowers to compensate for the risk associated with longer-term loans. | 377 |
| 13 | #CurrentAffair #Economy
Ramsar 100th site
On World Environment Day (5 June), PM Narendra Modi announced Jai Prakash Narayan Bird Sanctuary (Surha Tal) in Ballia, Uttar Pradesh as India’s 100th Ramsar Site.
What is Surha Tal?
1)A natural perennial oxbow lake spread over 3,432 hectares.
2)Critical wintering ground for migratory birds along the Central Asian Flyway.
3)Serves as a major source of irrigation and groundwater recharge.
Ramsar Convention
1)Adopted in 1971 in Ramsar, Iran; came into force in 1975.
2)India joined in 1982 (first sites: Chilika Lake & Keoladeo National Park).
3)Aims at conservation of wetlands of international importance and wise use of all wetlands. | 326 |
| 14 | #CurrentAffair #Economy
Rupee Depreciation another leading cause
The spread between the US 10-year Treasury and India’s 10-year government bond has compressed to around 244 basis points, which is far below the historical average of 450 basis points. A narrower yield differential will reduce the attractiveness of Indian debt for global investors, while also impacting foreign inflows and adding pressure on the rupee. | 392 |
| 15 | #CurrentAffair #Economy
Railway Stations Redevelopment in Jalpaiguri District
Amrit Bharat Station Scheme (ABSS) launched in 2022 for modernising railway stations across India.
Stations Covered:
Five stations in Jalpaiguri district — Jalpaiguri, New Jalpaiguri (NJP), Dhupguri, New Mal Junction, and Jalpaiguri Road (under Northeast Frontier Railway zone).
Progress:
Jalpaiguri Road station redevelopment is completed.
Works at Jalpaiguri, Dhupguri, New Jalpaiguri, and New Mal Junction are progressing rapidly.
Expected Timeline:
Jalpaiguri and Dhupguri stations — by December 2026.
New Jalpaiguri and New Mal Junction — by early 2027. | 418 |
| 16 | #CurrentAffair #Economy
16th Finance Commission Recommendations
1)Per Capita GSDP Distance (Income Distance)42.5:
States with lower per capita GSDP (compared to the average of top 3 richest states) get higher share for equity.
2)Population(17.5):
Share is based on 2011 Census population.
3)Demographic Performance(10):
Rewards states with lower population growth between 1971 and 2011.
4)Forest(10):
Considers both current forest cover share and increase in forest area (2015–2023), including open forests.
5)Contribution to GDP(10):
New parameter based on state’s share in national GDP (using square root of GSDP) to reward economic contribution.
Grants-in-A
1)Total Grants recommended: ₹9.47 lakh crore over 5 years for urban/rural local bodies and disaster management.
2)Discontinued Grants (from 15th FC): Revenue deficit grants, sector-specific grants, and state-specific grants. | 430 |
| 17 | #CurrentAffair #Economy
The SNA SPARSH (State Nodal Agency - System for Payment, Accounting, and Receipt of Stamp/Honourarium) portal
It is a state-level financial management system adopted across various Indian states. It is designed to facilitate "just-in-time" fund flow, integrate state treasuries with the RBI's e-Kuber, and manage expenditure efficiently | 469 |
| 18 | #CurrentAffair #Economy
Railways
Indian Railways Financial Health (as per Railway minister during question hour)
Financial Improvement
1)Railways has achieved a small revenue surplus after meeting all costs for the first time in many years.
2)Operating Ratio improved to 98.22% in 2024-25.
3)Gross Traffic Receipts: ₹2,65,114 crore.
4)Surplus: ₹2,660 crore.
5)5.04 lakh jobs created during 2014-24. | 493 |
| 19 | #CurrentAffair #Economy
Railways
Indian Railways generates over ₹2.64 lakh crore (approx. $31.5 billion) in annual revenue, predominantly driven by freight transport rather than passenger services.
1)Freight brings in the bulk of the earnings (over ₹1.68 lakh crore)
2)Passenger services generate over ₹70,000 crore | 412 |
| 20 | #CurrentAffair #Economy
Jan Shikshan Sansthan (JSS)
Launch Date: Transferred from Ministry of Education (erstwhile Ministry of Human Resource Development) to Ministry of Skill Development & Entrepreneurship in July, 2018.
Objective:
Aims to provide vocational training to non-literates, neo-literates as well as school drop-outs in rural regions by identifying skills that have a relevant market in that region. | 435 |
