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AC Power Booster 2015

AC Power Booster For IBPS PO-5 Main

� Current Affairs Match points -100

1. Sania- Hingis pair 1 no spot in women doubles after achieving 8 titles this year

1st indigenously built aircraft carrier – INS VIKRANT was decommissioned

Centre aims 1 lakh crores disbursed under MUDRA bank scheme

2.Supreme court banned – CSK / RR – 2 IPL teams for 2 years

3.3rd Hindi conference going to held at New jersy

Airtel is 3rd biggest telcom gaint in the world ( 1ST – china mobile , vodafone -2nd spot )

4.4th – GAGAN – Navigation system occiped 4th spot self navigation system in the world after ( USA , RUSSIA , UK , JAPAN ) 5.India occupies 5th spot in 2015 – youth games BMB offers new loan 5 crores for --Doctor loan

6. 6th joint Military exercise – INDIA –MALDIVES (EKUVRIN -2015)

7. 7th BRICS summit – UFFA, Russia –2015

8. 8 Lakh crores – india railway going to investin infra coming 5 years

9. 9th Regional Pravasi Bharatiya Diwas going to held –USA los angles

“4G” operations by Airtel in – 9 Circles

10. 10 – small bank license granted by RBI

11. 11th Session of INDIA –UAE Economic cooperation held at – Newdelhi

12. POSCO india puts hold 12 $ bn project at odhisha

13. “SAHAJ “ online registration LPG scheme gears up in –13 cities

14. 14th Finance commision takes place from 2015-2020

15. 15 min Loan offered by HDFC – 2 wheeler loan

16. Trade bilateral target 16 $Bn between india & southkorea

17. 17 medals India topped on table in Asian youth cxhess championship

18. Japan country lower rising the “right to vote “ to 18 years

19. NAYAK COMMITTEE – proposed 19 k crores into PSBs as per financial inclusion part

20. G-20 – Turkey, antaliya summit launches – G-20 engaging group

21. CHINA – INDIA __ MoUs delas 21 as per pm modi visits

22. India won test series in island country srilanka after –22 years

23. 23 “Meji period “Sites in japan has been granted heritage sites by UNESCO

24. 24th VYAS SAMMAN for the year 2014 – kamal kishore goenka

25. NASSCOM celebrated 25th anniversary

26. 26 % FDI in fm radio auction for financial year 2015-16

27.27% increase in Asiatic lion as per census 2014 (total lions –523 increased)

28. Feb 28th, Arun jaitely made his first full term budget 2015-16

29. Telengana – 29th state as per state reorganisation bill

30. “30 min AUTO LOAN – 4 Wheeler loan by –HDFC

31. 31ST Decmeber – deadline for pre-500 ruppee note exchange

32. After 32 years, India finally gets LCA Tejas aircraft

33. 33 Lakh km road network – 2nd highest in the world after USA

34. Forbes listed out 34 – Higest paid actors list this year -2015

35. 35th National Games – Hosted by Kerala ( Services topeed with 159 medals )

36. India – ready to buy – 36 DASULT RAFALE jets from France

37. As per MDG (millennium development goals 2015 ) global malaria incidence rate has fallen by an

estimated 37 per cent

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38. 38th priminister of Nepal -- K.P.Sharma oli

39. Govt of India banned 39 drugs under price contol regime

40. Skill India targets –40 crores skilled labour – by 2022

41. 41st G-7 Summit held at Germany

42. 42 – Food parks approved by Minister of consumer & food affairs with cost 17000 crores

43. At Age of 43 – “Sundar Pichai” new CEO of google

44. 44 votes of 54 turns to make malcom turnbull sworn as new PM of Australia

45. 45 mm caliber artillary gun – DHANUSH Tested sucuessfuly by India army

46. 46 years old Vince chhabra – india origin sworn as American federal judge for California

47. At age of 47 – steffi grafh appointed as ayruved brand ambassdor of kerala

48. 48th national tiger reserve – Rajaji national park in Uttarakhand by NCTA

49. World’s largest life insurers company which has increased its stake in Reliance Capital Asset Management

(RCAM) to 49% from 35%

50. Sunil chettri made 50 – international goals from Indian side (football)

51. 51 % banks having access freedom to take in companies default loans

52. INDO –AFRICAN summit -2015 Total number countries partipication -52

53. 53% outlay on railway budget 2015-16 compare to previous fiscal increased

54. at Age of 54 SEKHAR SEN – appointed as chairman of sangeet natak academy

55. FIPB raises cap 55% on kotak Mahindra bank (merger of ING vysya)

56. 56 India companies occupies its position this year in FORTUNE -2000 companies list

57. 57th edition of Ramon magsasysay award confered Indian – sanjeevu chaturvedi, anshu gupta

58. 58% hike at cost of 49500 crores issue of commerical papers this FY –2015

59.AS per economic survey 2014-15 , 58% housholds issued by PDS kersosne

60. 60 years now the age limit for vesting benefits made by EPFO

61. 61 years old XIJINPING – hounred with “NISHAN –e – PAKISTAN”

62. 62nd NATIONAL AWARDS – court (marathi film) was conferred with best feature film

63. Popular telugu comedian M. S. Narayana, 63, Telugu actor expired

64. 64 Netaji secret file released out by Westbengal government

65. 65th Berlin international film festival – DHANAK won award from india

66. section 66A-- Supreme Court is examining the constitutional validity of Section 66A of the amended Indian

Information Technology Act, 2000

67. 67% RBI foreign currency assets grew this financial year –2014-15

68. V. Ramakrishna, 68, Telugu playback singer expired

69. Govt to auction 69 state –owned oil, & gas fields

70. Mogens Lyketoft was taken in 70th session of UNGA ( united nations general assembly)

71. As per NSSO – India pegged 71% literacy rate in rural areas

72. 72 small applicants received by RBI for small banks

73. ADITI Ashok Indian golfer finished 73rd position among 286 in Thailand amateur champion

74. 74% India top HDFC Bank highest in market capitalisation

75. BCCI president – JAGMOHAN DALMIYYA – was died at the age of 75 due to health issue

76. 76 times delisting the company as per MAT – No relief for FIIs

77. Anilkumble – 77th member in – ICC hall of fame

78. 78 Millions beneficiaries under – NRHM – JANANI SURAKHA YOJANA

79.obutioury of Kailash Vajpeyi, 79, Hindi poet, Sahitya Akademi Award recipient (born 1923)

80. 80’S Cricketer –sir wisely Winfield hall – induced to ICC hall of fame

81. India ranks 81 in global innovative index

82. Ramanathan Gnanadesikan, 82, statistician expired

83. First African women “Loretta lynch “ sworn as 83rd attorney general of USA

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84. First aftrican country DURBAN to host 22nd common wealth games after 84 years

85. 85% – smart phones as a proportion of all mobile devices is also the highest in China.

86. 86% records improve in literacy rate as per NSSO in urban areas

87. 87th Academy award announced – “BIRDMAN” as best movie

88. Wilfred desouza – former goa chief minister – pass away at the age of 88

89. V. S. Raghavan, 89, Tamil actor was expired

90. 90% penalty and face criminal prosecution on black money bill

91.World War II Veteran Harry Smith , 91-year-old veteran last living person 92. At the age of 92 architect of modern singpore – Lee Kuan Yew was passed away

93. 93$ Bn governement announces for highway projects

94. 94-year-old Oskar Groening former guard at the Nazi death camp at Auschwitz of being an accessory to the

murder of at least 300,000 Jews.

95. World handloom day – world 95% handlooms fabric comes from india

96. SEBI order 96 illegal pooling cases

97. 97% primary school enrolment rate in developing countries was only 86 percent of boys

98. 98 no of smart cities – govt of india intiatives for “SMART CITY PROJECTS”

99. Worlds oldest graduate @ 99 doreetha daniels graduated from califorinia university

100. 100% FDI was allowed in private banks & white label ATMs

Stamps issued by Govt of india in 2015

5 Ruppe stamps issued

� 100 Years of Mahatma Gandhi's Return

� Beti Bachao Beti Padhao

� SWACHH BHARAT

� Project Rukmani

� Indian Ocean and Rajendra Chola 1

� Engineers India Limited

� India France Joint Issue was issued

� Patna High Court

� Old Seminary kottayam

� International Yoga Day

� Nabakalebara -2015

� Samrat Ashoka

COINS issued by govt of india

� 175th birth anniversary of Jamsetji Nusserwanji Tata--100rs & 5rs

� 150th birth anniversary of Lala Lajpat Rai soon -- 150Rs

� 125th President Dr. Sarvepalli Radhakrishnan.—10 & 125

� 100th birth centenary of Rani Gaidinliu, very soon. The Denomination of coins 100 and Rupees 5.

� 50th BHEL’s Golden Jubilee of Rs.50 and Rs.5 denomination have

� “Swami Chinmayananda. 100 and Rs. 10 to mark the birth centenary of Swami Chinmayananda

� Begum Akhtar, India Governnent released a set of commemorative coins of Rs.100 and Rs.5.

Coins Issued by RBI in 2015 ₹5 Coins to commemorate

� “Golden Jubilee of Indo-Pak War 1965"

� RBI’s Monetary Museum unveils Special Display of Mysore Coins

� 125th Birth Anniversary of Jawaharlal Nehru

� "Centenary of Komagata Maru Incident""International Day of Yoga"

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DIGITAL PROJECTS recently launched by government & sectors 1. DRISTHI -- civil aviation 2. SAMANVAY -- Rural panchyats 3. DISHA -- Digital literacy ( bihar) 4. eMUDRA - Digital signatures 5. eMIGRATE- Foreign employee 6. NOWCAST - insurance Web portal 7. SPEEDPAY- BSNL Mobile Wallet 8. Vidhyalakshmi - govt for education loans 9. SEHAT- Telemedicine initiative 10. e Pragathi - integrated governance ( AP) 11. PAHAL-- LPG give it up 12. SAHAJ -- LPG online 13. mAsset - assets map of gram panchyats 14. Smart MIDC-- digital village by Microsoft - Maharashtra 15. Meebhoomi - digital deposit of land records ( AP) 16. Khoya- paya-- missing children's 17. eBiz -- single window for bussiness clernace 18. Rishta -- LED based street lighting -- Himachal Pradesh 19. Eshakti -- NABARD digitalisation for SHGS 20. Internet Saathi-- Google& TATA supplies bicycles to rural women

Recent aggrements by india with other countries 1. India - Georgia -- election 2. India - Canada - Renewable energy 3. India- Mozambique - renewable energy 4. India - France -- Railways 5. India - USA -- FATCA & 10 Years defence security deal 6. India - Seychelles -- FATCA 7. India - Hong Kong - prisoners exchange 8. India - Indonesia -- criminal matters / satellite communication 9. India - pakistan - peace talk 10. India- Thailand - Bilateral defence 11. India - Singapore - maritime cooperation /shipping information 12. India - Russia -- Prasarabharathi 13. India - Jordan - Terrorism 14. India - Bangladesh -- Fake currency 15. India solvakrepublic - Railways 16. India - Oman -- MLAT ( multi legal assistance treaty) 17. India - Australia -- field of security 18. India - Egypt -- Tourism 19. India - Nepal -- Petroleum pipeline 20. India - Luthinia -- Agricultural aggrements 21. India - Equdor -- JETCO ( Joint economic trade ) 22. India - Mauritius -- Defence security 23. India - palestine - Isreal -- Trade & Tradition 24. India - Sweden -- urban sector cooperation

PMO office

→ National security Advisor -- Ajith doval

→ Principal secretary -- Nripendra mishra

→ Add. Principal secretary -- P.K.Mishra

→ Private secretary -- Rajiv Topro

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→ Chief Economic Advisor -- Arvind Subraminam

→ Revenue secretary-- Hasmuk adia

→ Financial secretary -- Ratan p.Watal

→ Cabinet secretary -- Pradeep kumar sinha

→ Commerce secretary -- Rita A. Teotia

→ Corporate Affairs Secretary - Tapan Ray

→ Home secretary -- Rajeev Meharshi

→ Pseb chairman -- Ajit Kumar seth

→ Defense secretary -- Mohan Kumar

→ ITPO -- L.C.Goyal

→ Scientific advisor -- G.S.Reddy

→ DRDO -- S.Christopher

→ Principle scientific advisor -- R.Chidambaram

→ Foreign secretary -- jaisankar

→ Defence secretary – Mohanreddy

BIG PROJECTS NUMBERS

� Pradahan mantri krishi Sinchai yojana – 50000 crores for 5 years; fiscal 2015-16–> 5300 crores

� AMRUT scheme – 50,000 crores

� SMART CITIES project –48000 crores

� Rural infrastrcuture fund (RIDF) – 25000 crores

� Long term rural credit fund – 15000 crores

� Short-term cooperative refinance fund – 45000 crores

� RRB finance fund – 15000 crores

� MUDRA Bank – 20000 crores ; intial corpus –3000 crores

� Unclaimed deposits for PPF – 3000 crores / EPF – 6000 crores

� National investment infrastructure fund –(NIF) – 20000 crores

� ATAL innovation scheme – 150 crores

� SAFE INDIA – nirbhaya fund –1000 crores

� SETU ( self employment and talent utilization ) –1000 crores

� Pradhan mantri kaushal vikas yojana ( PMKVY) – 1500 crores

� INDHRADHUNASH banking scheme fiscal 2015-16 – 20000 crores

� Rajiv gandhi panchyati sahastikaran abhiyan – 2 lakh crores ( 2.4 lakh panchyats)

� LPG subsidy pay out – 40591 crores

� IAF – india aspiration fund – 2000 crores

� SMILE FUND – SIDBI make india loan for enterprises – 10000 crores

� PMKVY – pradhan mantri kaushal vikas yojana for 10/12 drop outs – 1500 crores

� Jal marg vikas project ( National water way -1 ) – 4200 crores

� NABARD – Credit to farmers for irrigation – 30000 crores

� ATIF – Agri tech infrastrcture fund – 200 crores ( 250 mandis)

� Varistha pension bhima yojana ( name of atal ) – 6095 crores

� CAMPA-compensatory afforestation fund mangement planning authority– 3800 crores

� IRFC – indian railway finance cooperation to facility india railways through LIC – 1.5 lak cr

� IPDS --Intergrated power development scheme – 45000 crores

� EPFO – employemnt provident fund organisation – 2000 crores fro FY2015

� FAME – faster adoption and manufacturing of hybrid electric vehicle – 795 crores

� PMJDY depositers reached – 25147 crores

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30 points to Remember

� 5 ulta mega power projects each – 4000 mw – plug & play mode

� AIRTEL “ 4G” – 296 towns

� Smart cities –98

� AMRUT cities – 500

� Housing for all – 305

� Redeveoplment of railway stations –400

� Tourist e-visa – 77 / target –150 by 2016

� AIIB member countires –57

� Magancarta completed –800 years

� Urbanmission – 300 village clusters

� Mission indradhanush – 352 districts

� Whats app crores – 900 m uses

� CCI hyundai penality—420 crores

� Maggi noodles fiend by –640 crores

� Seychells –161 member of WTO

� New toilets covering this budget 2015-16 – 650 stations

� Adharsh stations selected –200

� NBFC suspended by RBI --7 + SAHARA--8

� Small banks --10 license out 41

� Payment banks --11 out of 72

� Food parks –17( BY 2020)

� e-rickshaws--101

� Tourist Visa-- 150 countries

� PAHAL --291 districts

� Pedal rickshaws--501

� Bandhan bank--501 branches

� Digital india --2500 Cities 4G

� Housing For ALL -- 2 crores rural / 4 crores Urban( Built up )

� MUDRA BANK -- 5.77 crores small business

� BSE stock exchange in the world listed with high number of companies – 5600

� Spike anti-missile tanks — ISRAEL--300

� SUKHOI -latest– RUSSIA– 5th generation--200

� Light ultra helicopters –CHIRIOOK /APACHE –USA --200

� DHANUSH GUNS–indigenous --114

� PILATUS aircraft –Switzerland -106

� Multi role Helicopter –BOEING –USA –16 First in First out state

� Amrut scheme started at – Rajasthan First smart city nomination- Puducherry

� First swachh bharat – Mysore Top state in visiting Tourist - Tamilnadu

� First Green Field private airport - Andal ( westbengal) First Airport with solar port – Cochin

� First indian city HQ for world Tourism - Kochi

� First state to implement " SHE TAXI -- kerala

� First SHE BUS -- KERALA

� 1st happiest city --( LG ) chandigarh

� First green police station -- Maurice nagar _ Newdelhi

� First VMP ( village monitoring project ) -- Harayana

� First full fledged solar state -- Rajasthan

� World largest & Tallest flag – Faridabad

� Best e Panchyat -- Assam

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� First kisan call centre -- Agartala , Tripura

� First issue of soil health card -- punjab

� First soil health card project -- Rajasthan

� 100% financial inclusion PMJDY -- Meghalaya

� DD KISAN channel launches -- Newdelhi

� Digital india week -- Newdelhi

� National earth hour capital – Thane

Top 10 bank first in first outs � First bank to roll out sukanya samriddhi yojana – punjab national bank

� First bank to issue MUDRA CARD – Corporation bank

� First issue of soil health card – Maharastra bank

� Digital village started by – ICICI

� First payment solutions – co-branaded card issue by –LIC with UAE gulf bank

� Tap n pay – ICICI with tech mahindra

� RBL ( Ratnakar bank limited ) launches first golf centric card

� First postal ATM in augurated – BIHAR

� First bank in india established in eastern india post independence – BANDHAN BANK

� Accredited to UN GREEN climate fund – NABARD

'Indradhanush' to revamp PSU banks

• The seven elements include appointments

• Board of bureau-- capitalisation-- de-stressing--empowerment-- framework of accountability

governance reforms.

• Under recapitalisation plans for Public Sector Banks, 13 banks would get Rs 20,058 crore this

financial year. The rest Rs 5,000 crore would be allocated based on efficiency criteria.

• 70,000 crores in upcoming 5 years to reach need of 1.60 lakh crores needed for banks , 80,000

crores will get the banks from market

• Banks board of bureau will replace existing appointments board. Its members would be appointed

in the next six months to be headed by the RBI governnor.

• Banks board bureau would also hold bad assets of public sector banks.

• SBI will get the highest Rs 5,511 cr, followed by Bank of India at Rs 2,455 cr, IDBI at Rs 2,229 cr, PNB

at Rs 1732 cr and IOB at Rs 2009 cr.

• Microsoft India Chairman Ravi Venkatesan as Chairman of Bank of Baroda.

• T N Manoharan as Non-Executive Chairman of Canara Bank

• G Padmanabhan as Non-Executive Chairman of Bank of India.

• Rakesh Sharma Of Lakshmi Vilas Bank will be new MD & CEO Of Canara Bank

• Six more Non-Executive Chairman posts to be filled in 6 months

Commodities Production in tons 2015-16

Soyabean 10.70 Groundnut 6.64 million

Rapessed & 6.75 cotton 35.32 sugarcane 356.56

Rice 102.54 million Wheat 90.78 million Coarse Cerels 40.42 miilion

Maize 22.74 PULSES 17.38 TUR 2.71 Gram 7.59

Disinvestment In PSUs Fiscal 2015-16

ONGC 5% 13100 crores

INDIAN OIL 10% 9000 crores

NTPC 5% 6000 crores

NMDC 10% 4800 crores

BHEL 5% 3000 crores

NHPC 11.36% 2400 crores

NALCO 10% 1200 crores

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INDIA Country AGRREMENTS

1. India

Georgia Election

2. India Canada Renewable energy 3. India

Mozambique Renewable energy

4. India France Railways 5. India USA FATCA & 10 Years defence security deal

6. India Seychelles FATCA 7. India Hong Kong Prisoners exchange sector cooperation 8. India Indonesia Criminal matters / satellite communication 9. India pakistan Peace talk 10. India Thailand

Bilateral defence

11. India Singapore Maritime cooperation /shipping information 12. India Russia

Prasarabharathi

13. India

Jordan Terrorism

14. India Bangladesh

Fake currency

15. India

solvak republic Railways

16. India

Oman MLAT ( multi legal assistance treaty

17. India Australia Field of security 18. India

Egypt Tourism

19. India Nepal

Petroleum pipeline

20. India Luthinia Agricultural aggrements 21. India

Equdor JETCO ( Joint economic

trade Company 22. India Mauritius Defence security 23. India

palestine Isreal Trade & Tradition

24. India Sweden Urban

COUNTIRES AMBASSDORS

India to Bhutan Gautam Bambawale India to Russia P.S. Raghavan

Russia to India Alexander Kadakin India to Tajikistan Shri Asith Bhattacharjee India to Turkmenistan TV Nagendra Prasad

India to Kazakhstan Harsh Kumar Jain Kazakhstan to India BULAT Indian to Uzbekistan Mr Vinod Kumar

Bangladesh to India Syed Muazzem Ali India to Bangladesh H.E. Pankaj Saran Indian to south korea Mr. Vikram Doraiswami

India to Mongolia Somnath ghosh China to India Le Yucheng India to china Ashok kantha

India to Canada Shri. Vishnu Prakash Grmany to India Dr. Martin Ney India to germany Mr. Vijay Gokhale

India to france Arun Kumar Singh France to India Mr François Richier Singapore to India Mr Lim Thuan Kuan

India to Singapore Ms.Vijay Thakur Singh India to srilanka Mr. Y.K. Sinha Srilanka to India Sudharshan Seneviratne

India to Mauritius Shri Anup Kumar India to Seychelles Mr.Sanjay Panda India to FIJI Gitesh Sharma

India to Australia Mr. Sunjay Sudhir Australia to India Patrick Suckling India to Myanmar Gautam Mukhopadhay

India to US Dr. S. Jaishankar US to India Richard Rahul Verma Japan to India Mr. Takeshi Yagi

India to japan Deepa Gopalan Wadhwa India to Nepal Ranjit Rae Nepal to India Deep Kumar Upadhyay

India to brazil Sunil Kumar lal Indian High to Comm. Ravi Thapare Uzbekistan to India Dr. SALIKH R.

India - Country Aggrement

India-Egypt 2 India-Cambodia 2 India-Tajikistan 2

India-Uzbekistan 3 India-Kyrgyzstan 4 India-Srilanka 4

India-Kazakhstan 5 India-Sweden 6 India-Tanzania 6

India-Belarus 6 India-Southkorea 7 India-Turkmenistan 8

India-Mongolia 14 India-Bangladesh 22 India-China 24

RBI RATES

Policy Repo Rate

6.75% Reverse Repo Rate 5.75% Marginal Standing Facility

Rate 7.75%

CRR 4% Bank Rate 7.75% SLR 21.5%

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Revolution For

Protein revoultion Higher productivity Green Revolution Food grains White Revolution or

Operation Flood Milk

Yellow Revolution Oil Seeds production

Black Revolution Petroleum Production Blue Revolution Fish Production

Brown Revolution Leather/non-conventional (India)/Cocoa production

Golden Fiber Revolution Jute Production Golden Revolution Fruits/Overall Horticulture development/Honey

Grey Revolution Fertilizer Pink Revolution Onion

Red Revolution Meat & Tomato

Round Revolution- Potato Silver Fiber Revolution Cotton Silver Revolution Egg/Poultry

Evergreen Revolution Overall

Father of telecom revolution

Sampitroda

BANKS CAPITALS

New bank license 500 crores Private banks

500 crores Foreign bank 500 crores Urban cooperative banks

100 crores

State cooperative banks

100 crores

Small bank & payment banks -

100 crores

EXIM bank 8500 crores SIDBI

1000 Crores

Authorised Regional Rural Bank

2000 crores MUDRA BANK 20000 crore

NABARD 500 crores

FDI PERCENTAGE

Agriculture 100% AssetReconstruction

Companies-- 100% Civil Aviation 100% Commodity Exchanges

49%

Courier Services 100% Credit Information Companies 74% Defence 49%

e-commerce B-B 100% Insurance 49% Multi Brand Retail

51%

Pension-- (Pension – Raised) 26%

Petroleum and Natural Gas

49%

Power Exchanges 49% Print Media-- 49% Private Sector Banks

100%

Public Sector Banks

20%

Single Brand Retail

49%

Special Economic Zones 100% Stock Exchanges/Clearing

Corporations-- 49% Tea Plantation 100% Telecom 100% Tourism 100%

DEFENCE CHIEFS

NSA Ajit Dovel NAVAL R.K.Dhowan AIRFORCE Arup Raha ARMY Dalbir Singh Suhag ITBP

krishna chowdary

BSF Devendra Kumar Pathak

CRPF Prakash Mishra NSG

J N Choudhury

DRDO S Christopher HAL TS Raju BEL S.K. Sharma BDL

V.Udaya Bhaskar

ISRO Kiran kumar VSSC K.Sivan SHAR P.kunhi krishnan

LPSC S.bandopadyyya RAW Rajinder Khanna CBI Anil Kumar Sinha

IB Dineshwar Sharma

SCIENCE DEFENCE CHIEFS

National security Advisor

Ajith doval

Principal secretary Nripendra mishra

Add. Principal secretary P.K.Mishra

Private secretary Rajiv Topro

Chief Economic Advisor

Arvind Subraminam

Revenue secretary Hasmuk adia

Financial secretary Ratan p.Watal

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Bandhan Bank → First micro finance company to get converted into bank

→ HQ- Kolkata

→ Started its operation on 23rd Aug & Inaugurated by Arun jaitley

→ Logo - image of diya

→ Tagline -Apka bhala ,Sabki bhalai

→ Starting Capital - Rs. 2570 cr

→ CEA - Ashok kumar Lahiri

→ MD & CEO -Founder of Bandhan Bank ,Chandra Shekhar Ghosh

Cabinet secretary Pradeep kumar sinha Commerce secretary Rita A. Teotia

Corporate Affairs Secretary

Tapan Ray

Home secretary Rajeev Meharshi

Pseb chairman Ajit Kumar seth

Defense secretar Mohan Kumar

ITPO L.C.Goyal

Scientific advisor G.S.Reddy

DRDO S.Christopher

Principle scientific advisor

R.Chidambaram

Foreign secretary jaisankar

Defence secretary Mohanreddy

EXTERNAL TRADE In Billions

Total external debt 475.8 long term debt 391.1 Short tem debt

48.7

Multeral debt

52.6

Bilateral debt 21.7 IMF

21.7

Export credit 12.8 ECB exteranl commercial

borrowing 181.9 NRI deposits 115.2 Ruppee debt 1.5 Sovereigh debt

89.6

FIRST IN FIRST OUT STATES

Amrut scheme started at Rajasthan First smart city nomination Puducherry

First swachh bharat Mysore

Top state in visiting Tourist Tamilnadu

First Green Field private airport Andal (WB) First Airport with solar port Cochin

First indian city HQ for world Tourism Kochi

First state to implement " SHE Kerala

First SHE BUS Kerala 1st happiest city LG chandigarh

First green police station Maurice nagar Newdelhi

First VMP ( village monitoring project Harayana

First full fledged solar state Rajasthan World largest & Tallest flag Faridabad

Best e Panchyat Assam

First kisan call centre Agartala , Tripura

First issue of soil health card Punjab First soil health card project Rajasthan

100% financial inclusion PMJDY Meghalaya

DD KISAN channel launches Newdelhi Digital india week Newdelhi

National earth hour capital Thane

BALANCE OF TRADE IN bn

Reserve money --Net non- 8,468.47 FER -- Foreign exchange reserves $353.069 FII inflows $ 4092

CPI 4.4% WPI (-4.54)% IIP 6.4%

Fiscal defecit 4% Revenue defecit 2.8% TRADE defecit $ 10.8

exports 15.8

Imports 13.40%

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→ Interest rate offered on saving account on deposits below 1 lakh rs - 4.25%

On term deposits - Max 8.5%

GOLD SCHEMES BUDGET 2015-16

1.Gold Deposit Scheme

Govt proposes to introduce ‘Gold Monetisation Scheme’ (Gold Deposit Scheme). This scheme will replace the

existing Gold Deposit and Gold Metal Loan Schemes.

**Importance of Scheme –>You can go to a Bank ( PSB & private bank) and deposit your physical gold in Metal

Account (this account may be linked to your Savings a/c). Banks will assess the purity and value of your gold. Banks

will then credit your metal account with points (similar to stock units in Demat account). These points represent the

value of your physical Gold.

*Banks benefits – The Banks will lend gold to Jewelers on little higher interest rates. So, banks may earn profits.

2.Sovereign Gold Bond

The Finance Minister also announced the development of an alternate financial asset, a Sovereign Gold Bond, as an

alternative to purchasing metal gold.

#Note --You can invest in Gold Deposit Scheme if you already possess physical gold. But, If you are planning to buy or

invest in Gold, Govt wants to provide an alternate to buying physical gold i.e., Gold Bonds.

**importance of Scheme – You (investor) can visit a Bank and buy these Gold bonds at the prevailing price of gold.

These bonds will carry fixed rate of interest (like Bank FD). The rate of interest can be in the range of 1% to 2%.

Benefits to banks__

*Banks can have another stream of income through Gold Monetisation deposit scheme.

*Banks have the freedom to set their own interest rates on the gold deposits.

*Banks can also use the deposited gold to make coins and sell them to the public.

*Banks can lend the gold deposits to Jewelers at higher rates and earn margin (income).

*There is also a proposal to allow the banks to use the deposits to meet statutory requirements like CRR & SLR.

3.Gold coins with Ashok Chakra

Government will also introduce Indian Gold Coin, which will carry the Ashok Chakra on its face. This may help in

reducing the demand for coins minted outside India and also help to recycle the gold available in the country.

RBI licence nod 2015

PAYMENT BANK license under nacheket mor 11 applicants out of 41

1.Aditya Birla Nuvo Limited

2.Airtel M Commerce Services Limited

3.Cholamandalam Distribution Services Limited

4.Department of Posts

5.Fino PayTech Limited

6.National Securities Depository Limited

7.Reliance Industries Limited

8.Shri Dilip Shantilal Shanghvi

9.Shri Vijay Shekhar Sharma

10.Tech Mahindra Limited

11.Vodafone m-pesa Limited

Small banks -UNDER usha thorat -- 10 out of 72 applicants

1. Au Financiers (India) Ltd., Jaipur

2. Capital Local Area Bank Ltd., Jalandhar

3. Disha Microfin Private Ltd., Ahmedabad

4. Equitas Holdings P Limited, Chennai

5. ESAF Microfinance and Investments Private Ltd., Chennai

6. Janalakshmi Financial Services Private Limited, Bengaluru

7. RGVN (North East) Microfinance Limited, Guwahati

8. Suryoday Micro Finance Private Ltd., Navi Mumbai

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9. Ujjivan Financial Services Private Ltd., Bengaluru

10.Utkarsh Micro Finance Private Ltd., Varanasi

RBI hanged two new bank licences to applicants BANDHAN , IDFC from a field of 25 competitors

SUSPENSION __

RBI whose licences 7 NBFCs were suspended are

1.Religare Finance

2.Artisans Micro Finance

3.Eden Trade & Commerce

4.RCS Parivar Finance

5.Nott Investments

6.Dewra Stocks & Securities

7.Swetasree Finance.

+ SAHARA ( August 2015)

WINNERS OF BANKING AWARDS 2015 1. Best public sector bank overall-----SBI Bank 2. Best pvt sector bank overall---------HDFC Bank Ltd 3. Best Foreign bank overall------------Citibank N.A. 4. Best foreign bank-Asset quality------Deutsche bank ag 5. Best PVT SB –Asset quality------------HDFC bank ltd 6. Best PUB SB –Asset quality------------Vijaya Bank 7. Best PUB SB-Retail growth performance-----Canara Bank 8. Best PVT SB- Retail growth performance-----Kotak Mahindra bank ltd 9. Best PUB SB-Priority sector lending------Canara bank 10. Best PVT SB-Priority sector lending------RBL Bank Ltd 11. Best PUB SB-Retail--------------------------SBI bank 12. Best PVT SB-Retail----------------------------HDFC bank ltd. 13. Best Foreign Bank-Retail-------------------CITIBANK N.A. 14. Best PUB SB-Rural Reach-------------------SBI Bank 15. Best PVT SB-Rural Reach------------------AXIS BANK 16. Best PUB SB-Technology Adoption------SBI bank 17. Best PVT SB-Technology Adoption-------HDFC Bank 18. Best PUB SB-Global Business-------------BOB 19. Best Pvt SB-Global Business---------------ICICI Bank

List of winner of Arjuna Award 2015:

� Rohit Sharma (Cricket)

� Jitu Rai (Shooting)

� P R Sreejesh (Hockey)

� Babita (Wrestling)

� Dipa Karmakar (Gymnastics)

� Sandeep Kumar (Archery)

� M R Poovamma (Athletics)

� Sharath Gaekwad (Para-Sailing)

� Yumnad Santhoi Devi (Wushu)

� Anup Kumar Yama (Rollerskating)

� Abhilasha Mhatre (Kabaddi)

� Manjeet Chhillar (Kabaddi)

� Sathish Sivalingam (Weightlifting)

� Swarn Singh Virk (Rowling)

� K Srikanth (Badminton)

� Bajrang (Wrestling) � Mandeep Jangra (Boxing)

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Five coaches from different sports recommended for the Dronacharya Award 2015.

� Naval Singh (Para- Athletics)

� Anoop singh Dahiya (Wrestling)

� Swatantra Raj Singh (Boxing)

� Nihar Ameen (Swimming) � Harbans Singh (Athletics)

Dhyanchand award -2015

� S.p.Mishra -- Tennis

� Nayar -- Volley ball � Romio James -- Hockey

NOBLE PRIZE WINNERS -2015

Nobel Prize Categories Nobel Prize 2015 Winners First in World (Year) INDIANS / NRI

Nobel Prize in Physics Takaaki Kajita and Arthur McDonald

Wilhelm Rontgen (1901) C.V. Raman (1930),

Chandrasekhar (NRI) (1983)

Nobel Prize in Chemistry Tomas Lindahl, Paul Modrich and Aziz Sancar.

Jacobus Henricus Van’t

Hoff (1901)

Venkatraman Ramakrishnan (2009)

Nobel Prize in Physiology

or Medicine

William C. Campbell, Satoshi Omura and Youyou Tu

Emil Adolf von Behring (1901)

Har Gobind Khorana (1968)

Nobel Prize in Literature Svetlana Alexievich Sully Prudhomme (1901) Rabindranath Tagore (1913), V S Naipaul (NRI) (2001)

Nobel Prize in Peace National Dialogue Quartet Henry Dunant, Frederic

Passy (1901)

Mother Teresa (1979), Rajendra K. Pachauri (2007)

SWEDISH Riksbank Prize

in Economics

Angus Deaton Ragnar Frisch, Jan Tinbergen (1969)

Amartya Sen (1998)

BANK APPs

STATE BANK OF INDIA

∅ SBI- BUDDY ( Mobile wallet )

∅ E forex – SBI Bank &E-KYC – SBI Bank

∅ Youth for India Fellow ship program

∅ Twitter handle account

∅ Tab banking facility

∅ State Bank Freedom App - State Bank of India

∅ Boutique financing scheme

∅ SBI -any where -- retail banking solutions

∅ SBI m-CASH -- quick way money transfer solutions

∅ SBI--contactless debit and credit cards

∅ SBI-FEDERAL BANK _ Co-branded credit cards

∅ SBI m Cash-Enables you to transfer money to anyone by just knowing their mobile number or e-mail I

∅ SBI e-corners24 X 7--facilities to deposit, withdraw, transfer money, update passbook

∅ Haj pilgrims from India will be provided State Bank of India's (SBI) foreign travel cards that can be operated in any ATMs or cash points in Saudi Arabia

∅ SBI-Quick -- Missed call banking

∅ SBI Quick Transfer: Enables you to send upto Rs. 5000

∅ PAY-PAL - CREDIT CARD /*PAY-NET - DEBIT CARD

∅ SBI--contactless debit and credit cards__State Bank of India has launched contactless debit and credit cards that enable users to make payments by waiving or tapping the card near the card reader instead of swiping or dipping it, reports Our Bureau.

∅ SBI-FEDERAL BANK _ Co-branded credit cards __

∅ Federal Bank & SBI forayed into the credit card segment through the launch of co-branded credit cards in partnership with SBI Cards, a leading credit card issuer.

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∅ SBI launches RuPay platinum debit card with NPCI_ State Bank of India launched a RuPay platinum debit card in association with National Payment Corporation of India (NPCI). The RuPay card comes with a special feature for the convenience of customers that is accepted at all payment channels-ATMs, PoS and e-commerce.

∅ SBI- CITI BANK__ Air India may tie up with SBI, Citibank to raise funds through ECB

∅ SBI-home loan rates for women_ which offer loans to women at 9.85 percent

∅ SBI-INTOUCH_DIGITAL SERVICE launched in delhi , chennai, bangulure,mumbai.

∅ SBI- COUNTRY first bank to set-up payment gateways to entire govt entities & small trades in online market.

∅ SBI -launched digital banking facilities . e-KYC , tab banking for customers.

∅ SBI started accounts on_twitter , youtube , facebook

Other PUBLIC SECTOR BANKS

→ AB Aashiana Scheme Allahabad housing scheme --Maximum Amount: Up to Rs 500 Lac.

→ Canara Mobile Wallet (m-Wallet)--existing limit of Rs. 5,000/- per day per customer to Rs. 1,00,000/- per day per customer with a monthly cap of Rs. 1,00,000/-

→ CanMobile – A mobile banking product to our customers. It is simple, safe, secure, swift and instant.

→ BOB Suvidha Fixed Deposit Scheme--A product offering a combination of competitive interests as well as easy liquidity.

→ Cent-lakhpathi scheme by central bank of india

→ Corp Kiran -- NGOs, SHGs, State Governments, District Administration, local bodies

→ CORPORATION BANK -- APKE DUKAN --LOAN TO OWN A SHOP

→ DENA e TRADE (On Line Trading in shares)

→ MAHA mobile banking

→ Bank of Maharashtra Introduces “Purple Privileges” Account for HNIs

→ ECGC signs MOU with ECAs of BRICS countries

→ Bharatiya Mahila Bank wins The Asian Banker Achievement Award 2015

→ Bharatiya Mahila Bank Launches ‘Doctor’s Loan’ and ‘Her Auto Loan’

→ Exim Bank of India has signed an MOU with the Brazilian Development Bank

→ IDBI "GO mobile " BANKING

→ SYND SMART GEN -- small account for childrens education

→ SYND SMART she -- saving products for women

→ e-Purse DEBIT CARDS

→ INDPAY -- MOBILE BANKING

→ IOB Launch IOB m Passbook, IOB Mobile and IOB Self Passbook Kiosk-- ON august 15th 2015

→ UMOBILE- a milestone in banking field- provides the customers a secure and convenient means of banking and commerce from anywhere anytime

→ Kisan ATMs in rural areas to serve the customers of our remote rural branches.

→ Mobile Banking- "OBC mPAY"

→ OBC --PMEGP e-Tracking System

→ Tied up with canara bank , hsbc for insurance products

→ OBC e-Shoppe--online shopping and other utility payments through various consolidators.

→ UNITED MBANKING -- Mobile banking facility

→ United quick pay -- e banking facility

→ Bank has launched ‘PNB Ladli’ scheme for popularization of education among girls of Rural / Semi urban areas.

→ PNB Ujala Scheme for providing 4 solar street lights in the

→ adopted villages and a solar lantern to each girl student adopted under PNB Ladli Scheme

→ V Genuth Savings Bank Account(Vijaya bank)--Saving Bank account designed for Children - Age day 1 and above. Students undergoing various courses are also eligible

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→ V-ABACUS’ Tab Banking offers the convenience of opening a bank account for customer, from home or office. With ABACUS Tab Banking, customer can now enjoy a faster and smoother account opening experience with VIJAYA Bank

PRIVATE BANK APPs

→ ICICI--Smart vault --safety digital locker system

→ Digital banking "POCKETs"

→ Student travel card

→ M -pesa - icici+vodafone

→ I-Mobile app for windows phone

→ Digital village akodara--gujarat

→ Branch on wheel --Odisha

→ Speech recognization password

→ ICICI --TAP & PAY --it transfer with moment or payments out of cash

→ Digital Village Project in Akodara Village of Gujarat – ICICI Bank

→ India’s first” transparent credit card “in association with American Express – ICICI

→ HDFC --- launched a 10 second paperless instant loan plan

→ HDFC Bank launches Pay Zapp--- first 1-click mobile-pay solution

→ HDFC -- secure + -- high security & safe cards

→ HDFC-- i watch banking -apple

→ DDA Housing Scheme 2014 - HDFC Bank

→ HDFC --Hajj Umrah Card-- HAJJ piligrims

→ HDFC Bank Limited has launched an exclusive 'ForexPlus' card for people making the Haj and

Umrah pilgrimages

→ HDFC Bank launches Chillr -- phone book can send immediate money

→ ASHA home loan -- online loan access upto 25lakhs

→ Ping n pay- axis bank

→ AXIS kisan card -- CREDIT to farmers

→ Airtel money – AXIS BANK+AIRTEL

→ Video conferencing – Indusind & federal bank

→ Facebook-based funds transfer platform “KayPay” – Kotak Mahindra Bank

→ Fedbook Selfie App(India’s first mobile app for bank account opening) – Federal Bank

BANKS CMD & HEAD QUARETER & TAGLINES

BANK NAME CMD HEADQUARTER TAGLINE

StateBank of India Arundhati Bhattacharya

(Chairman)

Mumbai The banker to every Indian.

State Bank of

Bikaner & Jaipur

Jyoti Ghosh ,MD Jaipur The Nation banks on us.

State Bank of

Hyderabad

Santanu Mukherjee,MD Hyderabad Modern.Innovative.Dependabl

e

State Bank of Patiala S. A. Ramesh

Rangan,MD

Patiala Blending Modernity with

Tradition

State Bank of

Mysore

Sharad Sharma,MD Bengaluru Working for a better

tommorow.

State Bank of

Travancore

Jeevandas Narayan,MD Thiruvananthapuram A long tradition of trust.

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Nationalised Banks


Allahabad Bank Rakesh Sethi Kolkata A tradition of trust.

Andhra Bank Satish Kumar Karla

(Additional charge)

Hyderabad Where India Banks

Bank of Baroda P.S .Jaykumar Vadodara,Gujarat India's International Bank.

Bank of India Melwyn O Rego Mumbai Relationship beyond

banking.

Bank of Maharastra Sushil Muhnot Pune One family One Bank.

Canara Bank Rakesh Sharama Bangalore Together we can.

Central Bank of India Rajeev Rishi Mumbai Central to you since 1911.

Corporation Bank Sadhu ram Bansal Mangalore,Karnataka Prosperity for all

Dena Bank Ashwini Kumar Mumbai Trusted Family Bank

Indian Bank Mahesh

KumarJain(Additional

charge)

Chennai Your Tech Friendly Bank

Indian Overseas Bank R.Koteeswaran Chennai Good people to grow with

Oriental Bank of

Commerce

Animesh Chauhan Gurgaon,Haryana Where every individual is

commited


Punjab & Sind Bank S.Jatinder bir singh New Delhi Where service is a way of

life

Punjab National bank Usha

Ananthasubramaniyam

New Delhi The name you can bank

upon

Syndicate Bank Arun Shrivastava Manipal,Karnataka Faithful and Friendly

UCO Bank Arun Kaul Kolkata Honours Your trust

Union Bank of India Arun Tiwari Mumbai Good people to bank with

United bank of India P.Srinivas Kolkata The bank that begins with u

Vijaya Bank Kishore kumar sansai Bangalore A friend u can bank upon

Bharatiya Mahila Bank Usha

Ananthasubramanian

New Delhi Empowering Women,

Empowering India.

IDBI Bank Kishore piraji kharat Mumbai Banking for all”AAo Sochein Bada”

NABARD Harsh Kumar Bhanwala Mumbai Revitalizing rural India

through urban support

Exim Bank Yaduvendra Mathur Mumbai Together towards

Tomorrow.

ECGC Geetha Muralidhar Mumbai You Focus on Exports.We

cover the risks.

Private Sector Banks

BANK NAME Chairman MD&CEO HEADQUARTER TAGLINE

Axis Bank Sanjiv Misra Shikha Sharma Mumbai Badhti ka naam Zindagi

ICICI Bank Chanda Kochhar Mumbai Hum Hai Na,Khyal Apka

YES Bank Rana Kapoor Mumbai Experience our expertise

HDFC Bank Aditya Puri Mumbai We understand your world

IndusInd Bank R.Seshasayee Romesh Sobti Mumbai We make u feel richer

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Kotak Mahindra

Bank

Uday Kotak Mumbai Lets make money simple

Catholic Syrian

Bank

S.SanthanKrishnan Anand

Krishnamurthy

Thrissur,Kerala Support all the way.

City Union Bank N.Kamakodi Kumbakonam Trust and Excellence since

1904

Dhanlaxmi Bank T.Y.Prabhu G.Sreeram Thrissur,Kerala Tann.Mann.Dhan

Federal Bank Abraham Koshy Shyam

Srinivasan

Kerala Your perfect Banking

Partner

Jammu&Kashmir

Bank

Mushtaq Ahmad Mushtaq Ahmad Srinagar,J&K Serving to Empower

Karnataka Bank P Jayarama Bhat Mangaluru,

karnataka

Your Family Bank across

India

Karur Vysya Bank Katta Pradyumna

kumar

K.Venkataraman Karur Smart way to Bank

Lakshmi Vilas

Bank

Rakesh Sharma Karur The changing face of

prosperity

Nainital Bank Suresh Kumar

Gupta

Suresh Kumar

Gupta

Nainital,Uttarakh

and

Banking with personal

touch

Ratnakar Bank Vishwavir Ahuja Kolhapur,Mahar

ashtra

South Indian

Bank

V.G.Mathew Thrissur,Kerala Experience next generation

Banking

Tamilnad

Mercantile Bank

HS Upendra

Kamath

HS Upendra

Kamath

Tuticorin Be a step ahead of life

INSURANCE COMPANY TAGLINES & THEIR HEAD'S

� LIC-- yogakshem-- S.K.Roy

� Max life insurance company ltd-- Apka sachhe advisor--Rajesh sud

� New india assurance company ltd-- India's premier general insurance company-G.srinivasan

� SBI life insurance-- with us your are sure--Arjit basu

� United india insurance company ltd--Rest assured with us--Milind a kharat

� Oriental insurance company ltd-- Prithive,Agni,JAL,Akash,sabki surakaha hai humarae pass--A.k.saxena � kotak mahindra old mutual life insurance-- Faidey ka insurance--Gaurang shah

� Max new York life insurance company ltd-- Karo zydha ka irada

� Apollo Munich health insurance--we know health kare--Anthony Jacob

� Pnb met life -- Have you met life today--Tarun chugh

� Future general life insurance--Ek shagun zindagi me naam--Munish sharda

� Aviva india life insurance— Kall per controrl-Ramachandran

� Tata AIA life insurance---Ishant Hussain

� ICICI prudential- zimmedari ka humsafar- Sandeep bakshi

� Hdfc standard life insurance company ltd-- Sar utha ke jiyo- Amitabh chavdhary,vibha prabakar

� Bajaj alliance-jiyo befiquar--Anuj agarwal � Birla sun life- muskurate raho-- Pankaj razdan

� Max bupa health insurance--your health first-- Anup Singh

� Exide life insurance--Adding life to insurance--kshitis jain

TARGETS of NDA Government

� PMJDY 2016 Jan --10 crore accounts

� Sansad adarsh gram yojana –2016 ( 100% Literacy by march 2016 in villages)

� Digital broad band –2017

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� Beti bachvo Beti padavo --2017(gender equality)

� Swach bharat abhiyan _2019

� Rurbanmission --2020

� Solar power – 1 GW power –2020

� FAME – ( Faster adoption and manufactuirng of hybrid & electric vehicles ) –2020

� Government vision of energy security scenerion _ 2047, 2.0 – 175GW by --2022

� Housing for all --2022

� Electricity for all –2022

� UN Report Most populous country --2022

� National skill development --20 lakh __2020

� UN-SDGsSustainable development goals – 2030

MODI VISITS

USA visit 24-30 September In a four day visit to US, Modi not only met US President Barack Obama, but also sought to invite investment from prominent CEOs and urged the Indian-American community to take up a greater role in the development of India. Modi-Obama joint statement: � Modi and Obama sought to reset ties between India and the United States as both leaders had an extended

discussion in the White House, resolving to broaden their cooperation in various fields including defence,

intelligence, counter-terrorism, Afghanistan, space exploration and science.

� He said the US was an integral part of India's Look East, Link West policy.

� India supports trade facilitation at the WTO.

� India wants to resolve hurdles in the way of the civil nuclear agreement as this was important for the country's

energy security, Modi said.

� discussed international situation, security issues and Middle East violence and extremism.

Joint editorial: � Forward together we go - chalein saath saath, that's the message sent out by Modi and Obama in their joint

editorial for Washington Post.

� The promise of a better tomorrow is not solely for Indians and Americans: It also beckons us to move forward

together for a better world. This is the central premise of our defining partnership for the 21st century. Forward

together we go - chalein saath saath," the editorial read.

� The article evoked names like Swami Vivekananda, Martin Luther King, Mahatma Gandhi and Henry David

Thoreau, and called for exploring ways in which businesses, scientists and governments can partner between

the two countries.

Madison Square Garden pitch: � 3D Mantra, skill development, talent pool and India's bright economic prospects - these formed Modi's pitch to

the Indian American community at the Madison Square Garden.

� "Just like Mahatma Gandhi made freedom struggle a national movement, we have to make development and

progress a people's movement. 1.25 billion people should work for the betterment of India," Modi urged. "I am

sure that now an atmosphere has been created where every Indian wants go work for the nation," Modi said.

� Modi also spoke extensively of his government's initiatives for the economy and people, including Jan Dhan

Yojana and 'Make in India'. "I invite all of you to come, make in India," Modi said. He also invited suggestions for

development on mygov.in website.

� Modi said that people keep asking him for a 'grand vision. "I am an ordinary, small person. But I want to do big

things for small people. People have exaggerated ideas about what a PM should do. I want to break that

misconception," Modi said.

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Work for G-All :Modi at UNGA: � Touching upon a wide range of subjects - centred around collective world development - Modi in his speech at

the UN General Assembly called for work in the direction of a sustainable world.

� Modi also spoke elaborately on terrorism and raked up the issue of ties with Pakistan. Modi asserted that any

talks with Pakistan could only talk place in a peaceful atmosphere without the 'shadow of terrorism'. "I am

prepared to engage in a serious bilateral dialogue with Pakistan in a peaceful atmosphere, without the shadow

of terrorism, to promote our friendship and cooperation," Modi said. However, Modi added that Pakistan must

also take its responsibility seriously to create an appropriate environment.

Lifetime visas for PIOs: � Modi promised that that Persons of Indian Origin (PIO) cardholders will get lifetime Indian visa and that

American tourists will be given visa on arrival.

� Modi announced the merger of PIO and Overseas Citizens of India schemes to facilitate hassle-free travel to the

Indian diaspora. He announced that PIO card holders staying in India on long-term basis will no longer have to

report to the local police station.

� Within hours of an announcement to that effect by Modi, the Home Ministry has notified new rules stipulating

that all NRIs holding PIO cards will now get lifelong entry to India.

Breakfast with CEOs: � Modi pitched India to some of the largest global investors and financiers, asking them to look afresh at the

country and urging them to shed any fears that they might have developed about investing in the country in

recent years.

� Over a series of one-on-one meetings and a power breakfast, Modi met the top bosses of financial biggies such

as BlackRock's Laurence D Fink, Lloyd Blankfein of Goldman Sachs and KKR's Henry Kravis, and CEOs of

manufacturing firms, such as Boeing's James McNerney, Jeffrey Immelt of General Electric and IBM's Virginia

Rometty.

� Other top executives he met included Eric Schmidt (Google), Kenneth Frazier (Merck), David W Maclennan

(Cargill), Andres Gluski (AES), David M Rubenstein (Carlyle Group), Douglas Oberhelman (Caterpillar), Charles R

Kaye (Warburg Pincus), Michael L Corbat (Citigroup), as well as India-born Indra Nooyi of PepsiCo and

Mastercard's Ajay Banga -with assets under management and revenues.

� PepsiCo CEO and chairperson Nooyi said US industry was "very happy" to be working with a PM who answers

questions brilliantly and is focused on improving the country.

� In response to Modi's call for investment in India, Blackstone is set to organise a global investors' summit in

India early next year.

� The PM highlighted his government's focus on creating a predictable and stable investment climate and making

it easier to do business in India, a fact he repeated several times during his breakfast meeting with the CEOs in a

bid to allay one of the biggest concerns of investors.

Reaching out to Obama and Americans: � Keeping in mind the two people Obama admired most, Modi personally chose gifts for him which included a

'Gita by Gandhi' in Khadi cover and audio-video clips from the 1959 India visit of Martin Luther King.

� In a rare gesture, Modi and Obama visited the Martin Luther King Jr. Memorial and paid a joint homage to the

leader of African-American Civil Rights Movement. In a last minute change of plan, Obama joined Modi to pay

homage to the American stalwart.

� Modi also addressed a star-studded rock concert. Modi praised youths for their "can do" attitude which has the

power to transform India and the world.

� Addressing nearly 60,000 people gathered at Central Park for the Global Citizen Festival, Modi said he was

delighted to be among the youth at an open park and not inside a closed conference room.

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� Amid performances by Jay Z, Beyonce and other singers, Modi was introduced to the crowd by actor Hugh

Jackman as someone who started as a "tea salesman" and went on to become Chief Minister of Gujarat and

then Prime Minister of India with a huge mandate.

United Arab Emirates 16-17 August � India and UAE will promote collaboration & inter-operabilty for humanitarian assistance & evacuation in natural

disasters & conflict situations.

� India and UAE will strengthen cooperation in law enforcement, anti-money laundering, drug trafficking,

extradition arrangements.

� India and UAE to establish UAE-India Infra Investment Fund of $75 billion

� Prime Minister Modi visited the Sheikh Zayed Grand Mosque in Abu Dhabi and signed in the visitor's book,

saying, It (the mosque) will serve to remind generations about the extraordinary vision and leadership of the

president of UAE, his highness Sheikh Zayed bin Sultan AL Nahyan.

� Narendra Modi on Monday addressed the Indian diaspora at the Dubai International Cricket Stadium. About

50,000 Indian expatriates had registered for ‘Marhaba Namo’

� UAE trip by visiting Masdar City, a hub of clean tech and S&T innovation.

Tajikistan 12-13 July 2015 � KEY AREAS--Trade , economic intergration � Modi's visit to Tajikistan would give an impetus to bilateral ties between New Delhi and Dushanbe.

� key points --Capital --Dushanbe, Currency--Tajikistani somoni, president--Emomali Rahmon,

primeminster --Kokhir Rasulzoda.

Kyrgyzstan 12 July 2015

� Modi signed four agreements including one on bolstering defence cooperation and holding annual

joint military exercises.

� Defence Cooperation, Election , Bureau of Indian Standards , Cooperation in Culture

� KEYPOINTS--Capital --Bishkek, Currency-- Kyrgyzstani som, President --Almazbek Atambayev

Turkmenistan 10-11 July 2015 � Narendra Modi on Saturday pitched for early implementation of the $ 10 billion TAPI gas pipeline

project � 7-pacts signed --Including defence & tourism, Cross-border threats of terrorism, Organised crime ,

Illegal drug-trafficking , Reaffirmed their commitment for a stable Afghanistan, Land-sea route through

Iran for the pipeline should be explored, Enhancing connectivity-- TAPI

� TAPI (Turkmenistan-Afghanistan-Pakistan-India) --operational by 2018 and will carry gas from

Turkmenistan’s Galkynysh field that holds gas reserves of 16 trillion cubic feet.

� KEY POINTS--Capital--Ashgabat, Currency-- Turkmenistan manat, President -Gurbanguly

Modi and Sharif’s Meet in Ufa � Tackling Terrorism, Military Meeting, Freeing Fishermen, Religious Tourism, Mumbai Terror

Attack � KEY persons _ India – modi , Foreign secretary -- S.jai shankar, NSA -- Ajit Doval � PAKISTAN --PM -- SHARIF, Foreign secretary-- Aizaz Chowdary, NSA-- Sartaj aziz

Russia--7th BRICS summit & SCO summit 8–10 July 2015

� Modi to attend BRICS and SCO summit in Ufa_

� Attend 7th BRICS summit and (SCO) in Ufa, Russia.

� Theme BRICS -- "powerful factor for Global Development" � India & pakistan got the member ship in SCO ; SCO --Headquarters_ Beijing, China

� Members_ China, Kazakhstan, Kyrgyzstan, Russia, Tajikistan, Uzbekistan, Pakistan, India --Observers_ Afghanistan, Belarus, Iran, Mongolia

22 | P a g e


Kazakhstan 7 July 2015 � Will supply 5,000 tonnes of uranium to India during 2015-19, PM’s visit to Kazakhstan is expected

to give a fillip to the civil nuclear deal signed in 2009. � Caspian Sea oil block drilling agreement, that India has 25 per cent stake in. India and Kazakhstan

could also be finalising agreements on mining, mineral and oil and gas projects, which include iron ore, coal and potash exploration.

� KEY POINTS _Capital --Astana, Currency--Kazakhstani tenge, President --Nursultan Nazarbayev, Prime minster -Karim Massimov

Uzbekistan 6 July 2015 � Modi said the contract to do so, which was signed in 2013 to supply 2,000 metric tons of uranium

ore concentrate over five years � 3-PACTS on Strengthening cooperation, cooperation on cyber-security, special economic zones � MOUs signed on Political ties,Security, Counter-terrorism, Trade and investment, Science and

technology , Cultural linkages.

� Key points -Capital --Tashkent, Currency--Uzbekistani som, President --Islam Karimov, Prime

minister--Shavkat Mirziyoyev.

BANGLADESH_June 6 – 7 2015 � Modi discussed the ratification of te India-Bangladesh Land Boundary Agreement - 1974 &

Protocol- 2011. & Testa water issue � Total -22 aggrements including on curbing human trafficking, smuggling of fake currency and

setting up an Indian Economic Zone, to boost bilateral ties � Agreements on two key bus services were also reached; including the Kolkata-Dhaka-Agartala

another Dhaka-Shillong-Guwahati route was also flagged off by the three leaders. � Memorandum of Understanding for Extending a New Line of Credit (LoC) of USD 2 billion by India

to Bangladesh was signed. � Capital: Dhaka , Currency: Bangladeshi taka , PM: Sheikh Hasina,President: Abdul Hamid

MODI SCHEMES

Pradhammantri jandhan yojana --financial inclusion � Accidental insurance cover of Rs.1.00 lac & No minimum balance required,life insurance cover of

Rs.30,000/- & operation of the account for 6 months, an overdraft facility will be permitted & Accidental Insurance Cover, RuPay Debit Card must be used at least once in 45 days, Overdraft facility upto Rs.5000/- is available in only one account per household.

� By 28 January 2015, 12.58 crore accounts were opened, with around �10590 crore � launched on --15 August 2014, location --viganan bhavan , new delhi � Total PMJDY accounts so far as on oct 10th – 25000 crores accounts ; total credit –25147 cr Sukanya samridi account -- For girl child � Interest rate of 9.2% --2015-16 � The maturity of account is 21 years from the date of opening of the account or Marriage of the Girl Child � Initial deposit of Rs 1000 and thereafter any amount in multiple of Rs 100 can be deposited subject to

max limit of 1.5 lakh & Age of 10 years, a girl child can operate her account � launched - 22 January 2015, location --Haryana, panipat ,Brand ambasdor -- Madhuri dixit MUDRA Bank Yojana --Financial inclusion � Micro Units Development and Refinance Agency Ltd (MUDRA) Bank on 8 April, 2015 with a corpus

of Rs 20,000 crore and a credit guarantee corpus of Rs 3,000 crore. � Mudra bank Extend finance and credit support to Microfinance Institutions (MFI) and agencies that

lend money to small businesses, retailers, self-help groups and individuals& SC& STs & BCs � MUDRA --SHISHU – 50000; KISHOR – 50000 to 5 lakh ; Tarun – 5 lakh to 10 lakhs

SIDBI-- SMEs credit & limitations MANUFACRING SECTOR (investments limit for support of machinery & tools)

• Micro--25lakhs • Small--25lakhs--5crores

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• Medium--5crores--10crores SERVICE SECTOR

• Micro--10 LAKHS • Small--10lakhs--2crores • Medium--2crores--5crores

Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)- Social security scheme � Bank account holders aged between 18 and 50 years are eligible to apply for this scheme � Premium is fixed at Rs. 330 for a life cover of Rs. 2 lacs. � June 1st, 2015 to May 31st, 2016 is the period for which this scheme will cover all kind of risks to your

life in the first year of operation. Next year onwards as well, the risk cover period will remain June 1 to May 31.

� launched--9 May 2015 , , location --Kolkata

Pradhan Mantri Suraksha Bima Yojana (PMSBY)-- Social security scheme � Bank account holders aged between 18 years and 70 years are eligible to apply for this scheme. � just Rs. 12 in annual premium for having an accidental death or disability cover of Rs. 2 lacs under

this scheme � Insured for a period of one year from June 1, 2015 to May 31, 2016. Next year onwards as well, the

risk cover period will remain to be June 1 to May 31. � launched--9 May 2015 , , location –Kolkata

Atal Pension Scheme -- Social security scheme � Minimum age of joining APY is 18 years and maximum age is 40 years � Would receive the fixed monthly pension of Rs. 1000 to Rs 5000 at the age of 60 years � Pension of Rs 1000 he would contribute Rs 181 a month. On his death his wife would get Rs 1000

per month and after her death the nominees will get 1.7 lakh. Kisan Vikas Patra (KVP) Re-Introduced -saving certificate scheme

� Denomination of Rs. 1000, 5000, 10,000 and 50,000, with no upper � lock-in period of 2 years and 6 months � Double in 100 months � Maturity period of 8 years 4 months � Interest rate--8.7%

Pradhan Mantri Gram Sinchai Yojana - Micro irrigation � Micro irrigation & ensure water supply to farmers round the year. � basic contours of the agri-irrigation programme would be on lines of the PMGSY � Budget allocation --5300 crores

Pradhan Mantri Sansad Adarsh Gram Yojana- Rural development � Under the Yojana, Members of Parliament (MPs) will be responsible for developing the socio-economic

and physical infrastructure of three villages each by 2019, and a total of eight villages each by 2024. � Target --6,433 Adarsh Grams, of the 2,65,000 gram panchayats, will be created by 2024 � Funding -- through MP lads

Soil Health Card Scheme � Soil Health Card is used to assess the current status of soil health and, when used over time, to

determine changes in soil health that are affected by land management. � The scheme will provide all 145 million farm owners in the country with a soil health card in the next

three years. � The budget allotted Rs.100 crore for issuing cards and an additional Rs.56 crore to set up 100 mobile

soil testing laboratories across the country. � Programme started in rajasthan & first SHC issued in punjab

MAKE IN INDIA � India must become a manufacturing powerhouse in order to gainfully employ its demographic dividend

& Big labour pool and a large domestic market. In addition, with China’s competitive advantage in manufacturing eroding

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� India has the opportunity to take some share of global manufacturing away from China. � stop tax terrorism & improve infrastructure � reform labour laws & invest in skills development � make it easier to acquire land & implement Goods and Services Tax (GST)

Some of the make in India initatives � Spice Group said it would start a mobile phone manufacturing unit in Uttar Pradesh with an investment

of Rs.500 crore � SAMSUNG --MSME-Samsung Technical Schools" will be established in India � Hitachi said it was committed to the initiative, It said that an auto-component plant will be set up in

Chennai in 2016 � Huawei opened a new research and development (R&D) campus in Bengaluru � AIRBUS with MAHENDRA said that it will manufacture its products in India and invest $ 2 Billion

US dollars. � Marine Products Export Development Authority said that it was interested in supplying shrimp eggs to

shrimp farmers in India under the initiative � Tata JLR (Jaguar Land-Rover) announced that it will move its production of the Land Rover Defender

to its Pune facility in India in 2016

DIGITAL INDIA KEY components of digital india

� Digital infrastructure-to support national optic fiber � INTERNET OF THINGS (IOT)-essential building of smart cities � Foreign ICT investments -- make in india policy

9 pillars of digital india � Broadband Highways

� Universal Access to Mobile Connectivity

� Public Internet Access Programme

� 4.E-Governance –Reforming government through Technology

� eKranti – Electronic delivery of services

� Information for All

� Electronics Manufacturing –Target NET ZERO Imports

� IT for Jobs

� Early Harvest Programmes

DIGITAL INDIA intiatives � India's top billionaires pledged around Rs 4.5 lakh crore to projects related to Digital Indiagenerate

employments for some 18 lakh people. � government's Rs 1.13-lakh-crore Digital India programme � Tata Consultancy Services -will hire 60,000 IT professionals this year. � Reliance Industries Chairman Mukesh Ambani said his company would invest Rs 2.5 lakh crore

across different Digital India heads � Digital India where 1.2 billion connected Indians drive the nation," said the Prime Minister at the

launch of the Digital India Week � Kumar Mangalam Birla--350,000 towns and villages in India to provide mobile-based healthcare

and education services � Bharathi Mittal said spends over Rs 1 lakh crore in the next five years. � Rival telco Reliance Communications, pledged to invest Rs 10,000 crore to fund transformational

initiatives across the cloud, digital and telecom space. � Vedanta Resources Chairman Anil Agarwal, to provide education through digital medium, or e-

Shikhsha.

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SKILL INDIA � Focus on creating jobs for youth, the government has decided to revamp the antiquated industrial

training centres that will skill over 20 lakh youth annually and devise special courses based on industry needs.

� will set up 1,500 new ITIs across the country and another 100-odd such centres in North East and Left Wing Extremism affected states.

� Creating 500 Million jobs by 2020 � World Youth Skills Day on 15th July*

Smart cities A smart city should be able to respond faster to city and global challenges than one with a simple 'transactional' relationship with its citizens Key 'smart' sectors which includes--Transport, Energy , Health care& Water and waste 100 PROPOSED SMART CITIES SMART CITIES - Assistance from other countries

SINGAPORE --100 smart cities across the country, USA--Ajmer , Ahmadabad, Vishakapatnam , JAPAN--Varanasi,

FRANCE --Pondicherry and Nagpur & gujarat ,SPAIN ---DELHI, ISREAL -- Maharastra , CHINA -PUNE , CHINA - Andhrapradesh

JAPAN --MUMBAI, AUSTRALIA-- ATAL scheme, AUSTRIA -- JNNURM GERMANY --3 more smart cities * no mentiones cities CANADA -- Wooden multi-storey housing technology in urban cities NOTE -- first smart city -- puducherry Budget intiative -- 100 crores Corpus --48000 crores & each smart city will get 100 crores for next 5 years

INDRADANUSH � To achieve full immunization coverage for all children in the country by 2020 � The Union Health & Family Welfare Ministry will be supported by UNICEF, WHO, Rotary

International and other donor partners 82 districts are in the States of Bihar, Uttar Pradesh, Rajasthan and Madhya Pradesh.

� The plan aims at providing immunization for seven diseases which can be prevented by vaccination:Whooping cough ,Hepatitis B, Diphtheria, Tetanus, Polio, Tuberculosis

Parma Jan Samadhan Scheme • Monitoring the availability of drugs, identify shortages, if any, and to take remedial steps and

Maintaining data on production, exports and imports, market share of individual companies, profitability of companies etc, for bulk drugs and formulations

• Rendering advice to the Central Government on changes/ revisions in the drug policy

Sansad adharsh gram yojana • Leveraging the leadership, capacity, commitment and energy of the Members of Parliament (MP) to

develop model Gram Panchayats. • Building partnerships with voluntary organisations, co-operatives and academic and research

institutions. • MPs or Sansads to identify and develop one village from their respective constituency as a model

village by 2016 and two more by 2019. • MPs are required to pick one village with a population of 3000-4000 in plains and 1000-3000 in hills

within a month of the launch. • “smart schools” with IT-enabled classrooms and e-libraries, Panchayat infrastructure improvement

under schemes such as MGNREGA and Backward Regions Grants Fund etc. Deendayal Upadhyaya Gram Jyoti Yojana � strengthening of sub-transmission and distribution network, feeder separation, Metering at all levels

including at input points, feeders and distribution transformers. � It also seeks to strengthen Micro grid and off grid distribution network of rural electrification. Funds: � The scheme has budgetary outlay of 76,000 crore rupees for implementation of the projects of which

Union Government will provide grant of 63,000 crore rupees.

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� It should be noted that, this scheme replaces Rajiv Gandhi Grameen Vidyutikaran Yojana (RGGVY), which was launched by previous UPA government led by then PM Manmohan Singh.

Jyotigram Yojana scheme � Jyotigram Yojana is an initiative of the Government of Gujarat to ensure availability of 24-hour three

phase quality power supply to rural areas of the state and to supply power to farmers residing in scattered farm houses through feeders having specially designed transformers.

� The scheme was dedicated to the nation by President A. P. J. Abdul Kalam in 2006. � Stockholm International Water Institute (SIWI) has commended the scheme saying Jyotigram scheme

has radically improved the quality of village life, spurred non-farm economic enterprises, and halved the power subsidy in agriculture.

� Government of India is set to accept Gujarat's Jyotigram project as a flagship scheme for the 12th five year plan.

AMRUT--Atal Mission for Rejuvenation and Urban Transformation AMRUT mission aimed at transforming 500 cities and towns into efficient urban living spaces, with special focus on a healthy and green environment for children.

• The National Priority is to create infrastructure to provide basic services to households, amenities • This will improve the quality of life of all • Especially the poor and the disadvantaged. • The infrastructure should lead to provision of better services to people. • The Cabinet approved Rs 50,000 crore for this mission which is to be spent over the next five years • AMRUT -- upgraded vesrsion of JNNURM -- also called as -JNNURM-2

Shyama Prasad Mukherji Rurban Mission Budgetary provision for the Pooled Municipal Debt Obligation Facility has been enhanced from Rs 5000 crore to Rs 50,000 crore with extension of the facility by five years to March 31, 2019 Scheme covers _ Urban renewal of cities and towns, four fundamental activities

• safe drinking water and sewerage management • use of recycled water for growing organic fruits and vegetables • solid waste management • digital connectivity

Housing for All by 2022 scheme � Slum rehabilitation of Slum Dwellers with participation of private developers using land as a

resource; � Promotion of affordable housing for weaker section through credit linked subsidy; � Affordable housing in partnership with Public & Private sectors and � Subsidy for beneficiary-led individual house construction or enhancement. � TARGET -- 2 crore houses in urban & 4 crore houses in rural

PAHAL scheme Pratyaksh Hanstantrit Labh _ LPG debt scheme � The Direct Benefit transfer of LPG (DBTL) scheme PAHAL (Pratyaksh Hanstantrit Labh) has been

re-launched in 54 districts on 15 November 2014 � in the 1st Phase and will be launched in the rest of the 622 districts of the country on 1 January

2015. � The scheme will cover over 15.3 crore consumers across 676 districts of the country. Currently over 6.5 crore

consumers i.e. 43% have already joined the scheme and will receive subsidy in their bank account.

KCC kisan credit card Kisan Credit Card is a credit card to provide affordable credit for farmers in India. It was started by the

Government of India, Reserve Bank of India (RBI), and National Bank for Agriculture and Rural Development (NABARD) in 1998-99 to help farmers access timely and adequate credit.

The Kisan Credit Card allows farmers to have cash credit facilities without going through time-consuming bank credit screening processes repeatedly.

Repayment can be rescheduled if there is a bad crop season, and extensions are offered for up to four years. The card is valid for five years and subject to annual renewals. Withdrawals are made using slips, cards, and a passbook.

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Crop loan with Kisan Credit Card Credit to farmers or groups of farmers for crop loans, working capital or investment credit for viable

agriculture purpose. All farmers, owner cultivators, tenant cultivators, share croppers and individual farmers Eligibility: Individual Repayment period: With in A MAXIMUM OF 12 MONTHS. Collateral Security: Registered mortgage of land in case loan is above Rs. 100000/- and hypothication of

crops to be raised. Nai Manzil

• To mainstream Madarsa students through bridge course with the help of reputed Academic Institutions. • To be implemented by Maulana Azad Education Foundation (MAEF). • Launched in 2014 by Ministry of Minority Affairs

USTTAD (Upgrading the Skills and Training in Traditional Arts/Crafts for Development) � The Scheme aims at upgrading Skills and Training in preservation of traditional Ancestral Arts/Crafts of

minorities. � 4 Components of the scheme: � Up-gradation of Skills and Training in Traditional Arts/Crafts through Institutions. � USTTAD Fellowship for Research and Development. � Support to Craft museum for curating traditional arts/ crafts. � Support to minority craftsmen/artisans for marketing Nationally/ Internationally through Export

Promotion Councils � Launched in May 2015, in Varanasi by Ministry of Minority Affairs

Paramparagat Krishi Vikas Yojana � Announced in Budget 2015-16 � Nodal Agency: Ministry of Agriculture � The scheme is aimed at irrigating the field of every farmer and improving water use efficiency to

provide `Per Drop More Crop’. � Traditional methods of farming such as Organic farming will be encouraged so as to improve soil

health. � Soil Health Card Scheme has also been launched to improve soil fertility on a sustainable basis.

Nai Roshini Leadership development scheme for minority women by Ministry of Minority Affairs.

National social security indicators & interest rates

� EPFO-8.75%

� PPF-8.7%

� KVP(Kisan vikas patra)-8.7%-min --1000, max --50,000 Denomination,double in 100 months lock in

period 2.5 years (2 years 6 months

� KCC-Kisan credit card Smart Card cum Debit Card.-- 7% interest rate ;KCC for 5 years

� Sukanya samridhi yojana-9.2% (2015)

� PMJJBY--18 and 50 years --of Rs. 330 is what you need to pay to get a life cover of Rs. 2 lacs.

� PMSBY--18 years and 70 years , Rs. 12 for a cover of Rs. 2 lacs

� ATAL PENSION SCHEME--under the age of 40, would receive the fixed monthly pension of Rs. 1000

to Rs 5000 at the age of 60 years

� surkasha bandhan scheme --recipient can use these cheques by depositing in his or her bank

account for a realisable value of Rs 342 (Rs 12 + Rs 330) to cover one-year subscription to PMJJBY

and PMSBY.

� PMJDY -12%--Accidental --1.00 lac, Life cover of Rs.30,000, overdraft --5000

� Antyodaya Anna Yojana (AAY) -- Rs.2/ a Kg- wheat & Rs.3/ a Kg.--rice, Rs 1/ - Pulses.

GOVT . RECENT COMMITTES

Union Government formed a Committee to oversee 125th Bhim Jayanti celebrations--MODI

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Union Ministry of Finance constituted Committee on Revisiting & Revitalizing PPP Model--Vijay

Kelkar

Union Government constituted Task Force on Interlinking of Rivers--BN Navalawala

Union Ministry of Commerce and Industry committee to simplify clearances --Ajay Shankar

Union Government constituted SIT to reinvestigate 1984 anti-Sikh riot cases--Pramod Asthana

Union Government constituted to suggest a framework to assess CSR activities--Anil Baijal

Union Cabinet reconstituted Empowered Committee on setting up of Semiconductor Wafer FAB

projects--V K Saraswat

Committee recommended single window system for environment projects--Subramanium

Union Government set up to examine constitution of SIT on 1984 anti-Sikh riots-Mathur committee

Union Finance Ministry constituted High Level Committee to hear industry's tax issues--Ashok Lahiri

Union Government constituted committee to provide Bankruptcy code for SMEs--Vishwanathan

Panel submitted its report with guidelines on government ads--Madhava Menon

Committee reported most deemed universities not fit for being a university--H Devaraj

Union Finance Ministry constituted panel to evaluate unclaimed PPF--H R Khan

Bombay High Court set up Committee to conduct forensic audit of NSEL--V V Daga

Railway committes

Mobilization of Resources for Major Railway Projects &Restructuring-Bibek Debroy

ways and means to raise the revenue of Indian Railways__D.K.mittal

High Level Safety Review Committee under the chairmanship __ Dr. Anil Kakodkar

Indian Railways Vision 2020__Rakesh Mohan

Expert Group on Modernization of Railways _Sam Pitroda

Committee on Creative Financing for Indian Railways_ Montek Singh Ahluwalia

RECENT BILLS & ACTS passed

INDO -BANGLADESH land boundary bill __ 119th amendement_ Both houses

Repeating and amending bill -2015 __ both houses

The right of TRANSGENDER persons bill -2014 -- rajyasabha

Black money and imposition of tax bill -2015 -- rajyasabha

Compesatory Afforestaion fund bill cleared-- rajyasabha

Juvenile Justice bill -2015 __ both houses _ age reduced from 18 -to -16

Whistle blower protection act --passed by cabinet

The coal mines bill-2015__ parliament

Mines & minerals amendement bill -2015 __ parliament

MOTOR-VEHICLES Amendement bill -2014 __ Loksabha_ FOR e-rickshaws

Public premises Amendement bill _2014 _ passed by loksabha

Electricity amendemnt bill 2014 _ passed by loksabha

Apprentice bill -- passed by loksabha

SC-related bills passed by -- parilament_ haryana,karnataka,odsiha,dadra& nagar haveli

Anti -corrupt act -- cleared by cabinet

Homi-pathy act --clears by cabinet

NID -BILL national institute design bill2013 __ rajyasabha

Real- Estate Regulation development bill __ cabinet clears the bill

National judicial appointments commission bill __ 124th amen__now ACT

Land aqusition bill 2014__ govt approved ordiance for ease to land aqusition law

The Securities Laws (Amendment) Bill, 2014--passed by both houses

The Telecom Regulatory Authority of India Bill, 2014-- passed by both houses

STATE BILLS

Anti -terror bill – gujarat Gujarat Control of Terrorism and Organised Crime (GCTOC)

Tamil nadu govt passed dhoti bill

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Maharastra bans dance bars -- assembly passed bill

Rajasthan --first state to ratifies NJAC bill

Banning beef bill passed by --maharastra & haryana & rajasthan

Gujrat local authorities law amendement bill __ compulsory voting

Minimum educational eligibility bill for panchayat election -- rajasthan

HIGHLIGHTS OF UNION BUDGET 2015-16

TAXATION • Abolition of Wealth Tax.

• Additional 2% surcharge for the super rich with income of over Rs. 1 crore.

• Rate of corporate tax to be reduced to 25% over next four years.

• No change in tax slabs.

• Total exemption of up to Rs. 4,44,200 can be achieved.

• 100% exemption for contribution to Swachch Bharat, apart from CSR.

• Service tax increased to14 per cent.

AGRICULTURE • Rs. 25,000 crore for Rural Infrastructure Development Bank. • Rs. 5,300 crore to support Micro Irrigation Programme. • Farmers credit - target of 8.5 lakh crore.

INFRASTRUCTURE • Rs. 70,000 crores to Infrastructure sector. • Tax-free bonds for projects in rail road and irrigation. • PPP model for infrastructure development to be revitalised and govt. to bear majority of the risk. • Atal Innovation Mission to be established to draw on expertise of entrepreneurs, and researchers to

foster scientific innovations; allocation of Rs. 150 crore. • Govt. proposes to set up 5 ultra mega power projects, each of 4000MW.

EDUCATION • AIIMS in Jammu and Kashmir, Punjab, Tamil Nadu, Himachal Pradesh, Bihar and Assam. • IIT in Karnataka; Indian School of Mines in Dhanbad to be upgraded to IIT. • PG institute of Horticulture in Amritsar. • Kerala to have University of Disability Studies. • Centre of film production, animation and gaming to come up in Arunachal Pradesh. • IIM for Jammu and Kashmir and Andhra Pradesh.

DEFENCE • Allocation of Rs. 2,46,726 crore an increase of 9.87 per cent over last year. • Focus on Make in India for quick manufacturing of Defence equipment. • WELFARE SCHEMES • GST and JAM trinity (Jan DhanYojana, Aadhaar and Mobile) to improve quality of life and to pass

benefits to common man. • Six crore toilets across the country under the Swachh Bharat Abhiyan. • MUDRA bank will refinance micro finance orgs. to encourage first generation SC/ST entrepreneurs. • Housing for all by 2020. • Upgradation 80,000 secondary schools. • DBT will be further be expanded from 1 crore to 10.3 crore. • For the Atal Pension Yojana, govt. will contribute 50% of the premium limited to Rs. 1,000 a year. • New scheme for physical aids and assisted living devices for people aged over 80. • Govt. to use Rs. 9,000 crore unclaimed funds in PPF/EPF for Senior Citizens Fund. • Rs. 5,000 crore additional allocation for MGNREGA. • Govt. to create universal social security system for all Indians.

RENEWABLE ENERGY • Rs. 75 crore for electric cars production.

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• Renewable energy target for 2022: 100K MW in solar; 60K MW in wind; 10K MW in biomass and 5K MW in small hydro

• TOURISM • Develpoment schemes for churches and convents in old Goa; Hampi, Elephanta caves, Forests of

Rajasthan, Leh palace, Varanasi, JallianwalaBagh, QutbShahi tombs at Hyderabad to be under the new toursim scheme.

• Visa on Arrival for 150 countries. FINANCIAL SECTOR

• Forward Markets Commission to be merged with the Securities and Exchange Board of India. • NBFCs registered with the RBI and having asset size of Rs 500 crore and above to be considered as

financial institution‘under Sarfaesi Act, 2002, enabling them to fund SME and mid-corporate businesses.

• Permanent Establishment norms to be modified to that mere presence of offshore fund • managers in the country does not lead to ―adverse tax consequences.

Rail budget 2015-16

• No increase in fairs for daily passengers but railway freight hiked 10% for urea, 2.7% for cement and 6.3% for coal, 0.8% for iron and steel.

• No new trains will announced for this current year. • Increasein the number of bio toilets and vacuum toilets like airplane in trains. • Water wending machines will installed on stations to arrange drinking water for passengers. • 'Operation 5 minutes', where in passengers traveling unreserved can purchase a ticket in 5 minutes.

He also announced to launch mobile app for purchase of unreserved tickets. • For security and convenience of passengers he announced two 24*7 helplines 138 for general

complaint and 183 for security complaints. • On priority basis Prabhu announces to install Surveillance cameras in ladies compartments and

selected coaches for women's safety because ―Nari-Surakasha is major issue for everyone in previous years.

• Over 400 railway stations will lashed with Wi-fi in coming year, he also announced to give mobile charging facility to all coaches including general coaches.

• Speed on nine railway corridors to go up to 200 km per hour.It will helptrains to increase their average speed.

• Booking facility of Wheel chairs for senior citizen will be available through online. • Prabhu introduces satellite railway terminals in major cities and centrally managed Rail Display

Network is expected to be introduced in over 2K stations over the next 2 years. • Railways will also going to establish Four Railway Research Centres in four universities. • Cleanliness also got priority in Prabhu‘s budget he announce ―Swach-Railscheme. • To make train and stations clean ,this scheme is launched under ―Swach Bharat Abhiyan Under

Swach-Rail scheme railways are going to setupnew department of cleanliness and going to engage professional agencies for training of cleaning staffs on 650 major stations.

• Railway is going to setup Alarm announcing system at no man crossing with help of IIT Kanpur.

BANKING Reserve bank of India Establishment

• The Reserve Bank of India was established on April 1, 1935 in accordance with the provisions of the

Reserve Bank of India Act, 1934.

• The Central Office of the Reserve Bank was initially established in Calcutta but was permanently

moved to Mumbai in 1937.

• Though originally privately owned, since nationalisation in 1949, the Reserve Bank is fully owned

by the Government of India.

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• The Reserve Bank's affairs are governed by a central board of directors. The board is appointed by

the Government of India in keeping with the Reserve Bank of India Act.

Appointed/nominated for a period of four years Constitution: Official Directors_Full-time : Governor and not more than four Deputy Governors Governor--Dr. Raghuram Rajan*

Deputy Governor_ Shri H.R. Khan; Dr. Urjit R. Patel ;Shri R. Gandhi ;Shri S. S. Mundra Non-Official Directors -- 11 total recently added = rajiv mehrishi + D.C.Duggal Nominated by Government: ten Directors from various fields and one government Official Others: four Directors - one each from four local board Financial Supervision The Reserve Bank of India performs this function under the guidance of the Board for Financial Supervision (BFS). The Board was constituted in November 1994 as a committee of the Central Board of Directors of the Reserve Bank of India. Objective Primary objective of BFS is to undertake consolidated supervision of the financial sector comprising commercial banks, financial institutions and non-banking finance companies. I. Acts administered by Reserve Bank of India

1. Reserve Bank of India Act, 1934

2. Public Debt Act, 1944/Government Securities Act, 2006

3. Government Securities Regulations, 2007

4. Banking Regulation Act, 1949

5. Foreign Exchange Management Act, 1999

6. Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act,

2002 (Chapter II)

7. Credit Information Companies(Regulation) Act, 2005

8. Payment and Settlement Systems Act, 2007

9. Payment and Settlement Systems Regulations, 2008 and Amended up to 2011 and BPSS

Regulations, 2008

10. The Payment and Settlement Systems (Amendment) Act, 2015 - No. 18 of 2015

11. Factoring Regulation Act, 2011

II. Other relevant Acts

1. Negotiable Instruments Act, 1881

2. Bankers' Books Evidence Act, 1891

3. State Bank of India Act, 1955

4. Companies Act, 1956/ Companies Act, 2013

5. Securities Contract (Regulation) Act, 1956

6. State Bank of India Subsidiary Banks) Act, 1959

7. Deposit Insurance and Credit Guarantee Corporation Act, 1961

8. Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970

9. Regional Rural Banks Act, 1976

10. Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980

11. National Bank for Agriculture and Rural Development Act, 1981

12. National Housing Bank Act, 1987

13. Recovery of Debts Due to Banks and Financial Institutions Act, 1993

14. Competition Act, 2002

15. Indian Coinage Act, 2011 : Governs currency and coins

16. Banking Secrecy Act

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17. The Industrial Development Bank (Transfer of Undertaking and Repeal) Act, 2003

18. The Industrial Finance Corporation (Transfer of Undertaking and Repeal) Act, 1993

Offices Have 19 regional offices, most of them in state capitals and 9 Sub-offices. Training Establishments Have five training establishments Two, namely 1. College of Agricultural Banking and Reserve Bank of India

2. Staff College

Others are autonomous_ 3. National Institute for Bank Management

4. Indira Gandhi Institute for Development Research (IGIDR)

5. Institute for Development and Research in Banking Technology (IDRBT)

Quantative & Qualitative credit control I. Quantative credit control is to establish control over the total quantitiy of credit in the country.

II. qualitative credit control the central bank takes the help of bank rate , open market operations ,

SLR , CRR , rationing of credit , regualtion of consumer credit , moral suasion , variation in margin

requirement

RATES INTRODUCED in the years, repo rate -- 1992, revers repo rate -- 1996, bank rate --1934, LAF - 1999 Bank Rate: Bank rate is the rate at which the RBI is prepared to buy or rediscount eligible bills of exchange or other commercial papers. In simple words, bank rate is the rate at which RBI extends advices (Credit) to commercial banks. A change in the bank rate will result in a change in the prime lending rate of banks and thus act as an independent instrument of monetary control. Cash Reserve Ratio (CRR): Cash reserve ratio is the cash parked by the banks in their specified current account maintained with RBI. In other words, it is the percentage of deposit (both demand and time deposit) which a bank has to keep with the RBI. RBI is empowered to vary the CRR between 3% to 15%. The purpose of reducing CRR is to leave large cash reserve with banks so as to enable them to expand bank credit. Similarly increasing of CRR means squeezing the cash reserve of the banks and limits their credit providing capacity Statutory liquidity Ratio (SLR): Statutory liquidity ratio is the liquid assets commercial banks maintain with the RBI in the form of cash (book value), gold (current market value) and balances in unencumbered approved securities. At present SLR is 21.50% of the total demand and time deposit liabilities of the bank. However, RBI can change SLR from time to time. Both CRR and SLR reduce or increase the capacity to expand credit to business and industry. Thus both of these are anti-inflationary. # MONEY MARKET Open Market Operations (OMO): The buying and selling of eligible securities in the money market by RBI for the purpose of curtailing or expanding the volume of credit. By selling securities the RBI can absorb funds, and buying the securities can release funds also into the market. The purpose of OMO is to influence the volume of cash reserves with the commercial banks and thus influence the volume of loans and advances they can make to the industrial and commercial sector.

1. Selective Credit Controls: Under the Banking Regulation Act 1949, section 21 empowers RBI to issue directives to the banking companies regarding their advance in order to check speculation and rising prices. The controls are selective as they are used to control and check the rising tendency of price and hording of certain individual commodities of common use. However, while imposing selective control, RBI takes care that bank credit for production and transportation of commodities and exports is not affected. These are mainly focused on credit to traders who use such credit for financing hoarding and speculation. Since 1956-57 RBI is employing this method.

2. Prime Lending Rate (PLR): It is rate of interest of which commercial banks lend to their prime high profile blue chip corporate borrowers. (From 1990’s banks are free to determine PLR).

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3. Repo Rate: Repurchasing option is traded in this market for a short time periods. Repo is Repurchasing by RBI.

4. Priority Sector Lending: It is lending to some particular sector at lower interest rate. RBI orders all public sector banks to give 18% of credit to priority sector.

5. Market Stabilization Scheme: It is a scheme under which RBI buys and sells Government of India securities in order to control liquidity.

6. Money in Circulation: Money in use to finance current transactions as distinct from idle money. 7. Investment Bank: A Bank that provides long term fixed capital for industry, generally by taking up

shares in limited companies. 8. Regional Rural Bank: It was established in 1975 under the provision of RRB Act 1976, with a view to

develop rural economy. 9. Lead Banking Scheme: Under this scheme all the nationalized banks and few private sector banks were

allowed specially and were asked to play the “Lead Role”. The lead banks act as a leader to bring about co-ordination of cooperative banks, commercial banks and other financial institutions in their respective demises to bring about rapid economic development.

10. Call Money: It is a loan that is made for a very short period i.e. for a few days only or for duration of a week. It carries a low rate of interest. In case of a stock exchange market, the duration of call money may be for a fortnight.

11. LIBOR: London Inter- Bank Offered Rate. An interest rate at which banks can bestow funds, in marketable size, from other banks in London interbank market.

12. MIBOR: Mumbai Inter Banking Operative Rate. 13. Capital Deepening: It occurs when capital to LIBOR ratio increase in a country, it helps in economic

development of the country. 14. BASEL II: This norms assess the need for risk capital and replaces the minimum 9% capital adequacy

norm under BASEL-I. BASEL II enables greater transparency and banks will evaluate themselves. 15. CAMELS: Capital Adequacy, Asset Quality, Management, Earnings Liquidity and Systems. 16. Capital Adequacy Ratio: It is the ratio of total capital fund of a bank to its risk weighted assets. It is an

indicator of banks financial health. 17. Asset Reconstruction Company: Takes over the NPA of banks or financial institutions at cheaper rate,

reconstruct it and sells it and makes profit out of it. This helps in clearing the balance sheet of banks. 18. Universal Banking: It is a banking scheme given by Khan Committee according to which conduction of

all financial activities under one roof by a bank or financial institution. In other words, this means integration of roles of bank and other development banks.

19. Service Area Approach: Under this scheme, branches of commercial banks were allotted certain specific semi-urban and rural areas. These branches were made more responsible for overall development of prescribed areas. It was implemented in 1989.

20. Merchant Banking: It is an activity under which a bank take up portfolio management (Banks advising their clients about management of fund) as well as banker to the issue of the company.

21. Urban co-operative bank --Urban Co-operative Banks (UCBs) though not formally defined, refers to primary cooperative banks located in urban and semi-urban areas. These banks, till 1996, were allowed to lend money only for non-agricultural purposes. This distinction does not hold today. These banks were traditionally centered around communities, localities work place groups. They essentially lent to small borrowers and businesses

22. Land development bank--The special banks providing Long Term Loans are called Land Development Banks, in the short, LDB.The history of LDB is quite old. The first LDB was started at Jhang in Punjab in 1920. This bank is also based on Co-operative. The main objective of the LDB's are to promote the development of land, agriculture and increase the agricultural production. The LDBs provide long-term finance to members directly through their branches.

23. Greshem’s Law: Bed money (Black Money) pushes good money (White Money) out of circulation. 24. Bank of International Settlement: Based in Switzerland, gives the statement of international monetary

transactions. It is the one which gives CAMELS, BASEL.

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# CAPITAL MARKETS -- SEBI (Regualted ) SEBI: Securities and Exchange Board of India. SEBI is the primary governing/regulatory body for the securities market in India. All transactions in the securities market in India are governed and regulated by SEBI. Its main functions are: 1. New issues (Initial Public Offering or IPO) 2. Listing agreement of companies with stock exchanges 3. Trading mechanisms 4. Investor protection 5. Corporate disclosure by listed companies etc. Zero Coupon Bonds: Zero Coupon Bonds (also called as pure discount bonds) are bonds that pay no periodic interest payments or so called ‘Coupens’. Zero coupon bonds are purchased at a discount from their value at maturity. The holder of a Zero Coupon bond is entitled to receive a single payment, usually of a specified sum of money at a specified time in future. Investors earn interest via difference between the discounted price of the bond and its par (or redemption) value. Undated Securities: Securities not bearing a redemption date or option. Tap Issue: An issue of treasury bills to government departments and others at a fixed price stand, without going through the market, as distinct from a tender issue. Buy Back of Shares: Various individuals, financial institutions, directors of the company, hold company shares. This indicates the ownership of the company, when a company is allowed to buy-back its shares. It means it is increasing its ownership. Penny Stocks: Penny stocks are securities or stocks which are sold by smaller new companies. They are generally sold because companies are seeking money for expansion, basic operations, and even for the commencement of business. Participatory notes: These are notes issued by FIIs and some of the Indian based foreign banks. GDR/ADR: Global Deposit Receipts (GDR) are popularly known as Euro issues i.e. shares of Indian companies sold in the European market. When these shares of Indian companies are sold in the US capital market they are called as American Deposit Receipts (ADR). Black-Sholes Formula: A formula used to establish a fair price for options in financial markets. Swap: A transaction in which securities of a certain value are sold to a buyer in exchange for the purchase from the buyer of securities having the same value. The purpose being to obtain an improvement, in the eyes of either of the parties, in the quality of the security or to anticipate a change in yield. Currency as well as securities are swapped in this way. Screen Based Book- where securities are auctioned through an anonymous screen based system, and the price of which securities are sold is discovered in screen. This eliminates the delays, risks and implementation difficulties associated with traditional procedures. ESOP: Employee Stock Option. Market Capitalisation: Total value of the equity in the present market price is called market capitalization. Hedge Funds: They are basically private investment pools for wealthy, financially sophisticated investors. Traditionally they have been organized as partnership, with the general partner managing the fund’s portfolio. Mutual Funds: Funds set up on the principal of pooled risk and pooled resources with the purpose of giving them the benefits of share market without exposing individually to the volatility of share market. Venture Capital: Risk capital is called venture capital. Sovereign Wealth Fund: It is state owned fund composed of financial assets such as stocks, bonds, property or other financial investment. Futures: Contracts made in a future market for the purchased or sale of commodities on a specified future data. Futures provide a convenient mechanism for holding market risk. Future market forms an important part of many organized commodity exchange or market. NCDEX: National Commodity Derivatives Exchange. It is the largest commodity futures exchange. Forward Market Commission: It is a regulatory body for commodity futures, and forward trade in India. It was set up under Forward Contract (Regulation) Act 1952. It’s headquarter is in Mumbai. CARE: Credit Analysis and Research Ltd. It was started in November 1993. It was set up by IDBI.

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ICRA: Investment Information and Credit Rating Agents of India Limited. It was established in 1991. It primarily rates short, medium and long debt instruments. But, since 1995 it has been doing equity rating also. Voting Shares: Equity shares entitling holders to vote in the election of directors of a company. Normally all ordinary shares are voting shares, but sometimes a company may create a class of non-voting ordinary shares. Tobin Tax: The tax foresighted by James Tobin. It is a tax that should be imposed on portfolio capitals, so that when a foreign investor wants to take out this investment he has to pay tax, which is expected to discourage the tendency to move from one country to another in search of quick gains. Factoring: The business in which, a firm takes over the collection of trade debts on behalf of others, thereby enabling them to obtain insurance against bad debts. It is a service primarily intended to meet the needs of small and medium-size firms. The procedure is for the factoring company to buy up its client’s invoices and then itself claim payment of them. Underwriting: Underwriting is the business of insuring against risk. Counter Guarantee: It is given by an economic agent, another agent will oblige the contract signed with the 3rd party. NSDL: It is the first registered depository in India set up in November 1996 and has been promoted by IDBI, UTI and NSE. CDSL: Central Depository Services Limited. Sub- Prime Loans: It is also called as ‘B’ loans or second chance loans. These are loans originated to borrowers who do not qualify for market interest rates because of problems in their credit history. Derivative Trading: It is trading on claims, on claims on real producers. Currency Future: Where in a contract in made between two parties, in which a party agrees to buy or sell a fixed amount of currency at fixed foreign exchange at a later date. It reduces currency volatility rise for both the parties. Insider Trading: When insider (managers, directors, others) have more information of the companies performance than the external share holders. And they use it to make a profit is called insider trading. It is banned in India by SEBI. Multi Commodity Exchange (MCE): The trading happening in papers instead of commodities in physical. The largest MCX is in Ahmadabad. Arbitrage: The act of buying a currency or a commodity in one market and simultaneously selling it for a profit in another market. COMMODITIES, DERIVATIVES, AND METALS MARKETS i. Commodity markets are markets where raw or primary products are exchanged , with traditional

commodities such grains, meat and livestock, exchange trading has expanded to include metals, energy, currency and currency indexes, equities and equity indexes, government interest rates and private interest rates.

ii. These raw commodities are traded on regulated commodities exchanges, in which they are bought and sold in standardized

iii. Contracts. iv. A Commodities Exchange is an exchange where various commodities and derivatives products are

traded. These contracts can include spot prices, forwards, futures, and options on on futures. India has 7 national commodity exchanges namely

1. Multi Commodity Exchange (MCX) 2. National Commodity and Derivatives Exchange (NCDEX) 3. National Multi-Commodity Exchange (NMCE) 4. Indian Commodity Exchange (ICEX) 5. The ACE Derivatives exchange ( ACE ) 6. Universal commodity exchange (UCX) 7. Bhatinda Om & Oil Exchange Ltd.

*The regulatory body is Forward Markets Commission (FMC) which was set up in 1953

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TYPES OF MONEY SUPPLY

1. M0-- Reservemoney/ govt money/ base money/high power money/money multiplier

2. M0=C+ OD + CR

C= currency in circulation

OD = other deposits with RBI

CR = CASH RESERVE RATIO with RBI

3. M1-- Narrow money/ high circulated money/ high liquidity money

M1 = C + DD + OD

C= Currency in circulation

DD = demand deposits == CD(current deposits ) + SD(saving deposits)

OD = other deposits with RBI

4. M2 = M1 + Post office savings as deposits (DD)

5. M3 = M1 + TD time deposits (TD = RD(recurring deposits ) + FD(fixed deposits)

6. M4 = M3 + POST OFFICE DEPOSITS

NM1/NM2/NM3-- REVISED money

• NM1 = C+ OD + DD

• NM2= NM1 + STD(short term deposits )

• NM3= NM2 + long term deposits + call money

New calculations

• L1 = NM3 + All deposits with post offices (NSC) national saving scheme

• L2 = L1 + Term deposits of lending institutions + term borrowings of lending insutuions + CD issued

by financial institutions

• L3 = L2 + NBFCs Deposits

TYPES OF MONEY

� MO Reserve money -- weekly

� M1 NARROW -- fortnight -- 15 days

� M3 BROAD --fortnight -- 15 days

� L1 -- MONTHLY

� L2--MONTHLY

� L3 -- QUARTERLY -- 3MONTHS

ACCOUNTS --Min & Max

� SAVING ------NO

� Current --- no time period

� Recurring-- 6 months , 10 years

� Fixed -- 7DAYS / NOW 14 DAYS -- 10 YEARS

� Flexi --6 months upto a maximum of 5 years.

NPAs 90 DAYS --BAD LOANS

� upto --90 days -- overdue NPAs

� 90 days --1 year -- Substandard NPA

� 1 year -- 3 years -- Doubtful NPA

� 3 Years -- confirmed NPA/Bad debt NPA

GOVT securities_

� Short term -- 1 YEAR

� Medium-term securities----1-5 years

� Long-term securities-- more than 5 years

� Dated securities -- 30 years

� Long term streching -- 50 Years

Agriculture loans time period

� Short -- 6-18 months

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� Medium -- upto 18-36 month

� Long -- More then 36 months

CONCEPT OF MONEY Hot money ---Money which swifts from one country to another country in order to upgrade itself is called as hot money FIAT MONEY -- Fiat money is money that can be used as tender but does not have a physical commodity, such as gold or silver, linked to it, *extrinsic value > intrinsic value NEAR MONEY assets which can readily be converted into cash, such as bills of exchange. CALL MONEY money loaned by a bank or other institution which is repayable on demand. DEAR MONEY or tight money A situation in which money or loans are very difficult to obtain in a given country. If you do have the opportunity to secure a loan, then interest rates are usually extremely high CHEAP MONEY--loan or credit with a low interest rate, or the setting of low interest rates by a central bank PRECAUTIONARY MONEY unexpected financial crisis economic situation , keep people to save gold with themselves called as precautionary money NETRUAL MONEY if an economy is having , the capacity to maintian steady price for longer period , named as netrual money * GS == MS ( goods suppy = money supply)

DEPOSIT MONEY The money which is maintained by the banks named as deposit money also called s credit agencies *example -- DFIs, commerical banks , cooperatives , RRBs , NBFCs SMART MONEY The process by which experienced investors and traders who tend to evaluate and find investment opportunities before anyone is known Credit cards , debit card, cash card PLASTIC MONEY--Plastic money is a term that is used predominantly in reference to the hard plastic cards we use every day in place of actual bank notes. They can come in many different forms such as cash cards, credit cards, debit cards, pre-paid cash cards and store cards. RESERVE MONEY It is a measure of money multiplier. Money multiplier shows the mechanism by which reserve money creates money supply in the economy. It is again dependent on two variables, namely currency deposit ratio and reserve deposit ratio. STANDARD MONEY - Monetary unit which is designated by a government to serve as the basis of its currency system and into which other types of money in the country are convertible& compare standard of value. * intrinsic value = extrinsic value NATIONAL INCOME * National income first time coined by -- Dadabai nauarji --1868 * First time scientific national income calcuated by --V.K.R.V.Rao-1931

National income is a flow not a stock concept In india ,national income estimates are realted with financial year (1st april to 31st march) GNP (Gross national product) _ GNP refers to the money value of total output or production of final goods and service produced by the national income during a given period ,i.e ayear GNP = GDP +(X-M)* , X= export, GDP=Gross domestic product , M= import * If export = import or X=M , then GNP = GDP and it is a condition for a closed economy X=M=0

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GDP(Gross domestic product) - It is the total money value of all goods and service produced within the geographical boundaries of the country during a given year GDP = GNP -(X-M) NNP net national income _ NNP is obtained by subtracting depreciation value from GNP NNP = GNP - depreciation* When NNP is obtained at factor cost , it is known as national income NATIONAL INCOME (NI)-- National income is calculated by subtracting the net indirect taxes form NNP at market prices NNP at Factor cost or NI --NNP at Market prices - indirect taxes + subsidies NNP at Market prices --NNP at factor cost + indirect taxes - subsidies GNP at Market prices --GDP at market prices + NET factor income earned from abroad NNP at Market prices --GNP at market prices - consumption of fixed capital Per capital income _N.I.at constant prices / population *

AGRICULTURE INDICATORS --2014-15 Total Food grains -- 257.12 million tonnes

• Rice -- 102.54 million tonnes • Wheat -- 90.78 million tonnes • Coarse Creels -- 40.42 million tones • Maize -- 22.74 • PULSES --17.38 • TUR- 2.71 • Gram - 7.59

OIL SEEDS --27.38 million tonnes • SOYABEAN -- 10.70 • Groundnut --6.64 million tonnes • Rapeseed & mustard --6.75 • cotton --35.32 • sugarcane -- 356.56

MACRO ECONOMIC TIME PERIOD

→ GDP -- yearly , quarterly , monthly

→ Capital market -- 1 year and above

→ Money market -- less than 1 year

→ Call money -- overnight

→ Notice money -- 2-14 days

→ term money-- 15days to 1 year

→ Certificates of deposits--min 7 days - max- 12 months

→ Commerical papers -- min 7 days -- max --12 months

→ Forward rate aggrements -- contracts are available for maturity 10 years

→ Market repo-- 1 day - 1 year

→ RBI LAF -- 1 day

→ NDTL -- 15 Days basis

→ T-bills -- 91, 182, 364 DAYS

→ Inter bank participation -- 91 -180 Days

→ IIP calulates -- quartely , monthly

→ RBI finacial year -- july 1st -- june 30

→ BANKS -- April 1st -- MARCH -31st

→ General budget -- financial starts from April 1ST

Recent Brand ambassadors 2015 → Sachin Tendulkar- Project Tiger & swacch bharat & Toshiba , oxigen

→ AR Rahman - Seychelles' cultural ambassador

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→ Anupam Kher-gender equality

→ HRX -Tiger Shroff

→ Edelweiss-Saina Nehwal

→ Indian Super League(for TN)-Dhanush

→ Kerala's Ayurveda-Steffi Graf

→ Uc Browser-Yuvraj Singh

→ Jharkhand Tourism-Mahendra Singh Dhoni

→ New Zealand Tourism-Sidharth Malhotra

→ Renault India -Ranbir Kapoor

→ Senco Gold & Diamonds-Sourav Ganguly

→ Fanta's new brand ambassador-Shruti Haasan

→ Hero Cycles-Arjun kapoor

→ Hyatt Regency- Viv Richards

→ 2017 FIFA Under 17 World Cup-Sourav Ganguly

→ Beti Bachao, Beti Padhao[Haryana]-Parineeti Chopra

→ 'Beti Bachao, Beti Padhao' -Madhuri Dixit

→ Amitabh Bachchan-- Cycle Agarbathies, Maharashtra Horticulture brand ambassador & Tiger ambassador

→ Aamir Khan—Women and Child Development Ministry, incredible india

→ Akshay Kumar--Dollar Club Vests, Levi’s, LG, Micromax, Thums Up

→ Hrithik Roshan-- Hide and Seek, Provogue, , OPPO mobile

→ Kareena Kapoor-- UNESCO girl child empowerment ambassdor Airtel, Emami, Gitanjali

→ Katrina Kaif--Etihad Airways, Lux, Nakshatra, Panasonic, Pantene, Spice Telecom

→ Saif Ali Khan--Asian Paints, Lays, Airtel, Head and Shoulders, Wynncom mobile

→ Shahrukh Khan--Airtel, Dish TV, Emami, Hyundai, ICICI, Nerolac, Nokia, Videocon

→ Madhuri Dixit--sukanya samriddhi yojana

→ Ira Singhal --specially-abledpersons

→ Virat kohil --BSF

→ Novak Djokovic—UNICEF

→ stefi graff –KERALA

Miscellous awards

� Asian Banker Achievement Award 2015-Bharatiya Mahila Bank

� Pulitzer prizes for West Africa Ebola coverage-New York Times

� Washington Filmfestival(Best Feature Film Award)-Margarita, with a Straw

� Whitley Awards for wildlife conservation-Ananda Kumar, Pramod Patil

� Commonwealth Short Story Prize for Asia region 2015-Novelist Siddhartha Gigoo

� UNESCO/Guillermo Cano World Press Freedom Prize 2015–Mazen Darwish � Man Booker International Prize 2015-Laszlo Krasznahorkai (Hungarian writer)

� Sri Sri Ravi Shankar conferred with Columbia’s highest civilian Law

� Sahitya Akademi Bhasha Samman 2015-K Meenakshi Sundaram, Acharya Munishwar Jha,Charu

� Chandra Pande and Mathuradutt Mathpal

� 68th Cannes film festival (FIPRESCI Award)–Masaan(Indian Film)

� Golden Medal for Merit in Work of Spain-Tennis player Rafael Nadal

� RedInk Lifetime Achievement Award 2015-Prannoy Roy

� World No Tobacco DayAward 2015-SS Negi (Uttarakhand’s Health Minister)

� Gandhi Peace Prize 2014-Indian Space Research Organisation (ISRO)

� Bangladesh Liberation War Award-Atal Behari Vajpayee � Space Pioneer Award–ISRO for Mangalyaan Mars Orbiter Mission

� Times of India Sports Awards(Sportsperson of the Year)-Jitu Rai

� Dadasaheb Phalke Film Foundation Award 2015-Bollywood actor Shah Rukh Khan

� Actor Rajkummar Rao won the prestigious award for his performance in the critically film City lights.

� Master Deenanath Mangeshkar Award 2015-Bollywood actor Anil Kapoor

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� Dr. Pramod Patil and Dr. Ananda Kumar won 2015 Whitley Awards for

wildlife conservation.

� International Achievement Award 2015–Subadhra Devi Rai (an Indian origin nurse)

� Egypt's Academy of Arts–Amitabh Bachchan.

� Golden Peacock National Quality Award for the year 2015-Delhi International

Airport Limited

Important Books and Authors List 2015 37 Bridges and other Stories - Aamer Hussein

Aarushi - Arivook Sen

Aatank Ke Saaye Men - Garima Sanjay

Ahmadabad: A City in the World - Amrita Shah

Benazir Bhutto: A Multidimensional Portrait - Dr Anna Suvorova

Beyond Doubt : A Dossier on Gandhi's Assassination - Teesta Setalvad

Bikhare Khyalat - Abdul Haq

China : Confucius in the Shadows - Poonam Surie

Complete Story of Indian Reforms: 2G, Power & Private Enterprise - Pradeep Baijal

Dealing with China: An Insider Unmasks the New Economic Superpower - Henry M Paulson

Editor Unplugged: Media, Magnates, Netas and Me - Vinod Mehta

Education of Muslims - Professor JS Rajput

Faces and Places - Prof. Deepak Nayyar

Family Life - Akhil Sharma (Folio Prize 2015)

Flood of fire - Amitav Ghosh

Flora of Guntur City, Andhra Pradesh - PR Mohana Rao

Food for All - Uma Lele

Fragile Frontiers: The Secret History of Mumbai Terror Attacks - SK Rath

Go Set a Watchman - Harper Lee

God’s Bankers - Gerald Posner

Green Signals: Ecology, Growth, and Democracy in India - Jairam Ramesh

India Central Asia Relations - Amiya Chandra

Indian Parliamentary Diplomacy- Speaker’s Perspective - Meira Kumar

Kapil Isapuri – Farishta

Kashmir: The Vajpayee Years - A.S. Dulat, Aditya Sinha

Kiran Bedi : Kaise Bani Top Cop - Reeta Peshawaria Menon and Anu Peshawaria

Madhorubhagan - Perumal Murugan

Making India Awesome: New Essays and Columns - Chetan Bhagat

Modi : Incredible emergence of a star in Chinese language - Tarun Vijay

Modi’s World: Expanding India’s Sphere of Influence - C Raja Mohan

Neither a Hawk nor a Dove - Khurshid M Kasuri

Pre-Modern Kutchi Navigation Techniques and Voyages - Ashok B. Rajeshirke

Recasting India - Hindol Sengupta

Red Tape to Red Carpet... and then some - Gina Rinehart

Scion of Ikshvaku (1st Part in Ram Chandra Series) - Amish Tripathi

Sourav Ganguly: Cricket, Captaincy and Controversy - Saptarshi Sarkar

Suleiman Charitra - Kalyana Malla

Super Economies - Raghav Bahl

The China Model - Daniel A Bell

The Indian Parliament : A Critical Appraisal - Sudha Pai and Avinash Kumar

The Pakistan Paradox - Christrophe Jaffrelot

The Red Sari (about Sonia Gandhi) - Javier Moro

Transcendence: My Spiritual Experiences with Pramukh Swamiji - Abdul Kalam

Unbelievable : Delhi to Islamabad - Prof Bhim Singh

Uniki - CH Vidyasagar Rao

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Autobiographies by Indian personalities � The Test of My Life - Yuvraj Singh

� Wings of Fire - APJ Abdul Kalam

� Courage and Conviction - Gen VK Singh

� A Shot at History - Abhinav Bindra

� The Race of My Life - Milkha Singh

� One Life Is Not Enough - K Natwar Singh � The Substance and The Shadow - Dilip Kumar

� The Unbreakable - Mary Kom

� Playing It My Way - Sachin Tendulkar

� Not Just an Accountant : The Diary of the Nation's Conscience Keeper - Vinod Rai

� Straight from the Heart - Kapil Dev

� All From Memory - BV Achary

� Matters of Discretion - Inder Kumar Gujral

� My Country My Life - LK Advani

� Truth, Love & a Little Malice - Khushwant Singh

� Jakhan Choto Chilam - Satyajit Ray � Lucknow Boy: A Memoir - Vinod Mehta

� And then One Day : A Memoir - Nasiruddin Shah

� Sunny Days - Sunil Gavaskar

Important person obituary

� Om Prakash Munjal, founder of Hero Cycle Limited, passed away

� Veteran Marathi stage actor Bhalchandra Pendharkar died

� Freedom fighter Kayyara Kinhanna Rai passed away

� Former MP Minister Jagannath Singh passed away Where Servi

� Yakub Memon executed as SC rejected his fresh plea in pre-dawn hearing � Eminent vocalist Vasundhara Komkali died .

� Clive Rice, first post-apartheid captain of South Africa Cricket team, passed away

� Dr. Suniti Solomon, pioneering Indian HIV/AIDS researcher, passed away

� Noted Physicist P Hariharan passed away

� Santasilan Kadirgamar, the veteran Sri Lankan historian, passed away

� Former Indian President APJ Abdul Kalam passed away

� Former Bihar Governor Ramkrishna Suryabhan Gavai passed away

� Former Chief Justice of India Y K Sabharwal passed away

� Matti Makkonen, pioneer of SMS technology, died

� Titanic composer James Horner died � Sister Nirmala Joshi, former head of Missionaries of Charity, died

� Former Indian women's hockey captain Shashi Bala died

� Chandigarh's Rock Garden creator Nek Chand died

� Former Indian Cricketer Hemant Kanitkar died.

� Nobel Prize Winner in Chemistry Irwin Rose passed away Important persons appointed

Important summits

� 10th G20 Meeting 2015 Turkey, Antalya

� 27th APEC Summit 2015 – Philippines

� 4th Nuclear Security Summit 2016 : United States

� Indian science congress---2015 — Mumbai

� 41st G8 Summit 2015 – Schloss Elmau (Germany)

� 7th BRICS Summit 2015 – Ufa, Russia

� 5th SAARC health minister meet – new delhi

� 19th SAARC summit — islamabad , Pakistan

� 26th ASEAN summit 2015 — Langkawi , Kuala Lumpur

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� 13th Pravasi Bharatiya Diwas 2015 — Gujarat (Gandhinagar)

� NATO summit 2016– Warshaw , Poland

� 4th BIMSTEC Summit 2015— Nepal

� ADB Annual Meeting 2015 –Baku, Azerbaijan

� Global earth hour 2015 – Seoul

� RE-Invest 2015– New Delhi � 29th Indian Economy Summit in– Delhi

� PERTOTECH summit -2015 — New delhi

� 15th Sustainable Development Summit–Delhi

� 3rd India 2015 –Africa Forum Summit – New Delhi

� World Diamond Conference 2015– New Delhi

� 1st Renewable Energy Global Investors Meet & Expo– NEW delhi

� 1st World ocean science congress — kochi

� 11th METRO POLIS CONGRESS –HYDERABAD

� 7th Global Insurance Summit 2014–Hyderabad

� Global Investors meet o Global Investors Meet 2015 –Chennai � 1st Counter-Terrorism Conference 2015 held in Jaipur

� 7th Asian Ministerial Conference on Disaster Risk Reduction in 2016– INDIA

� World Congress on Information Technology in 2018–Hyderabad

� 18th National Conference on e-Governance held in– Gujarat

� New Jersey to host International Hindi Conference in April 2015

� 8th India-Republic of Korea Joint Commission meeting –South Korea

� 77th Annual Convention of Presiding Officers held in Lucknow

� Arab Summit 2015 –Cairo

� SANSKRIT summit – 2015– Bangkok

� 23rd CHOGM 2015–Portlouis,Mauritius � world water summit 2015–Athens , Greece

� UN climate change conference 2015 – PARIS

� The Economist Insurance Summit 2015–united kingdom

� EU-US 2015 — United States and the European Union –Brussels

� 8TH IRENA — international renewable energy agency — Abu Dhabi

� 6th International Nuclear Energy Forum Atom expo 2014 –Moscow

� 3rdUN World Conference on Disaster Risk Reduction — Sendai, Japan

� 13th UN Congress on Crime Prevention and Criminal Justice — Doha

Fortune /Forbes / World /Asia-pacific/Britain -2015

1. World Billionaires list 2015 tops -CHINA

2. Richest person on the planet_2015-- BILL GATES

3. Richest Women In The World 2015--Christy Walton(WALMART)

4. The World's Richest BILLIONIER 2015 -- BILL GATES

5. The World's Youngest Billionaires under 40--2015 --Evan Spiegel & Bobby Murphy--Snapchat Co

founders

6. The World's Highest-Paid Superstars Of 2015--Floyd Mayweather

7. The World's Highest-Paid Athletes-- 2015 --Floyd Mayweather

8. Asia's 50 Power Businesswomen--2015--Lucy Peng(ALIBABA)

9. FORBES india rich list 2015 -- Dilip sangavi

10. Top 20 Richest Indian Celebrity in 2015--salman khan

11. FORBES 50 power ful women list - india women --Arundhati bahattchary(SBI)

12. FORBES most powerful person - 2015 -- Modi- 15 *

13. FORBES -Bussiness person of year 2014 - LARRY PAGE

14. FORTUNE -500 india biggest country --IOC*

15. Wealth-X list-2015 under 40 age billioners--Arun Pudur (INDIA)-- cel frame

16. Forbes Global 2000 companies in 2015--USA

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17. FORTUNE 100 Best Companies to Work For-- GOOGLE

18. FORTUNE WORLD'S GREATEST LEADERS-2015--TIM COOK

19. FORTUNE Worlds Billonier list 2015 tops -CHINA

20. Fortune 500 companies _ 2015--wall mart

21. Fortune Magazine's 40 under 40-- 2015 __Travis Kalanick-Uber

22. Richest woman in Britain 2015--Kirsty Bertarelli

23. TIMES--Britain richest sportsperson 2015 --Lewis hamilton

24. Wealth-X list-2015 under 40 age billioners--Arun Pudur (INDIA)-- cel frame

25. luxury publishing group Huran Report-- world rischest countries --USA,CHINA,INDIA

26. Most 5 influential medicine makers 2015--ANTHONY FACUI --USA

27. Most 5 influential medicine makers 2015--KIRAN AMZUMDAR SHAH-INDIA

28. Expensive cities in 2015 by WEALTH -X REPORT -Luanda, Angola

29. Least expensive cities in 2015 --Bishkek, Kyrgyzstan

State Name Governors Name

� Andhra Pradesh -E. S. L. Narasimhan

� Arunachal Pradesh -Jyoti Prasad Rajkhowa

� Assam- Padmanabha Balakrishna Acharya

� Bihar- Ram Nath Kovind

� Chhattisgarh- Balramji Das Tandon � Goa- Mridula Sinha

� Gujarat -Om Prakash Kohli

� Haryana -Kaptan Singh Solanki

� Himachal -Pradesh Acharya Dev Vrat

� Jammu and Kashmir -Narinder Nath Vohra

� Jharkhand- Draupadi Murmu

� Karnataka- Vajubhai Vala

� Kerala -P. Sathasivam

� Madhya Pradesh- Ram Naresh Yadav � Maharashtra- C. Vidyasagar Rao

� Manipur - V Shanmuganathan

� Meghalaya-- V. Shanmuganthan

� Mizoram- Nirbhay Sharma

� Nagaland- Padmanabha Acharya

� Odisha- S. C. Jamir

� Punjab -Kaptan Singh Solanki � Rajasthan- Kalyan Singh

� Sikkim -Shriniwas Dadasaheb Patil

� Tamil Nadu- K. Rosaiah

� Telangana -E. S. L. Narasimhan

� Tripura- Keshari Nath Tripathi

� Uttar Pradesh -Ram Naik

� Uttarakhand - Krishan Kant Paul

� West Bengal- Keshari Nath Tripathi

SPORTS EVENTS important

F-1 Grand Prix winners this year -2015

Lewis Hamilton - Australian, Bahrain, British , Belgium , Chinese , Canada , Japan , Italian Russian

Nico Rosberg - Spanish, Austrian ,Monaco

Sebastian vettel - Hungary ,Malaysian Singapore

TENNIS GRAND SLAMS

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US OPEN_2015

� MENS SINGLES --Novak Djokovic(Serbia)

� WOMEN SINGLES --Flavia Pennetta(italy )

� MENS DOUBLES --Pierre-Hugues Herbert / France Nicolas Mahut(france)

� WOMEN DOUBLES -- Martina Hingis / Sania Mirza(swiss/india)

� MIXED DOUBLES --Martina Hingis / India Leander Paes(swiss/india)

AUSTRALIAN-2015

� MENS SINGLES --Novak Djokovic & WOMEN SINGLES -- Serena Williams

� MENS DOUBLES --Fabio Fognini/ Simone Bolelli

� WOMEN DOUBLES --Lucie Safarova/Bethanie Mattek-Sands

� MIXED DOUBLES -- Leander Paes/Martina Hingis

FRENCH OPEN-2015

� MENS SINGLES -- Stanles wawrincka& WOMEN SINGLES --Serena Williams

� Men's Doubles--Ivan Dodig / Brazil Marcelo Melo

� Women's Doubles--Bethanie Mattek-Sands / Lucie Safrova

� Mixed Doubles--Bethanie Mattek-Sands / United States Mike Bryan

WIMBLEDON OPEN -2015

� MENS SINGLES --Novak Djokovic & WOMEN SINGLES --Serena Williams

� MENS DOUBLES --Jean-Julien Rojer / Romania Horia Tecau � WOMEN DOUBLES --Martina Hingis / Sania Mirza � MIXED DOUBLES--Leander Paes / Switzerland Martina Hingis

CHINA OPEN- 2015 � MEN’S SINGLES - Novak Djokovic (Serbia) � WOMEN’S SINGLES - Garbine Muguruza (Spain)

� MEN’S DOUBLES - Vasek Pospisil (Canada) and Jack Sock (US) � WOMEN’S DOUBLES - Sania Mirza (India) and Martina Hingis (Switzerland)

SCIENCE & TECHONOLOGY & DEFENCE

1. MEGA-TROPHICS -- INDO -FRENCH - satellite mission water cycle in the tropical atmosphere

2. NAVIAGATION SATELLITES _

IRNSS -1A_PLV-C22

IRNSS - 1B_PLV-C24

IRNSS - 1C_PSLV-C26

IRNSS -1D_ PSLV-C27

3. GSLV MARK -3 -X launched --CARE crew module atmospheric re-entry experiment

4. GSAT- 16 - INSAT-3E decommissioned satellite by ISRO

PLANETS & SPACECRAFTS

1. MERCURY -- Messenger -- NASA

2. VENUS--- Venus express-- ESA

3. MARS--- Curiosity ,Maven-- NASA , India --MOM

4. JUPITER--- Juno-- NASA

5. SATURN--Cassini --Huygens --NASA & ESA

6. URANUS-- Voyager-NASA

7. NEPTUNE ---Voyager 2 -- NASA

8. PLUTO -- New horizons

9. *MOON-- Mangalayaan

INDIA DEFENCE & NAVAL EXERCISES

• AJAI__Indian army excise

• AKRAMAN-2__ Indian army — Rajasthan

• FOAL EAGLE__South korea & USA

• GARUDA__India-france_ Air exercise

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• HAND-HAND _India & China

• INDRA__India & russia

• JIMEX __India & japan

• KOMADO-2014 –Indonesia

• MALBAR –US & India

• MARITIME-coperation — India & china & pakistan

• MILAN __India & 16 countires

• MITRA SAKTHI__India & srilanka

• NASEEM AL-BAHR__India & oman

• PEACE ANGLE__Pakistan & China

• PASSEX -- india & china

• RANDI __china& pakistan

• SAR- search & rescue-- INDIA & china

• SARDAR VIJAY__Indian airforce exercise_rajasthan

• SARVADA VIJAY __ Indian army _ rajasthan

• SHATRUJEE__ India & USA

• SHADE__Naval forces of india,japan,china

• START__Russia & USA

• SIMBEX__ India & singapore

• SURYA-KIRAN__India & nepal

• SILK ROUTE 2015__sri lanka & china

• TROPEX __ India naval exercise__ Indian ocean & Bay of bengal & Arbian sea

• YUDH-ABHYAS__India & US

• VARUNA__India&France

RECENT INS projects commissioned 2014-15

• INS Kochi was commissioned at the Naval Dockyard in Mumbai • INS Vikrant __decommissioned -- mumbai • INS Vikramditya __aircraft carrier --Sevmash Shipyard in Russia__ modi • INS Viraat __ Aircraft carrier -- westernnaval command __ Arun jaitley • INS Arihant __ first indigenously nuclear submarine__ vishakptnam • INS Kamorta _ First indigenoulsy anti-submarine _ kolkatta • INS Shakti , INS Ranvijay, INS Shivalik __ particpated in INDRA-2014 NAVAL exercise • INS Kolkatta __guided missile destroyer __ mumbai __ modi • INS Sumitra __ (NOPV)naval offshore patrol vessel __ chennai _ R.k.dhowan • INS Kalvari __ First scorpine class__ mazagon docyard _ mumbai • INS Vishakpatnam __ Biggest stealth destroyer __Mumbai • INS Sardarpatel __ Naval base __ GUJARAT__ R.k.dhowan • INS CHAKRA - First nuclear submarie leased from russia • Recent decommisioned -- INS VIRAT , INS VIKRANT

Other countries recent defence

• PAKISTAN --BURRAQ- Drone ,BARQ -- Laser guided missile ,SHAHPAR - UAVs,Shaheen - 2 & 3 -

ballistic missile ,RAAD - nuclear capabale cruise missile ,HATF-VI - ballistic missile

• CHINA --*Wu-14 -- Hypersonic strike vehicle , Yaogan -23 Remote sensing satellite ,DF-41 - multi

war head super ballistic missile ,CHANG'e-5 --unmanned space craft

• INDIA - ISRAEL-- LRSAM missile tested -70km range

• JAPAN--IZUMO - largest warship - visted by manoharparikar.

• European agency--BEAGLE -2 / mars express

• SPACE -X launched falcon 9 rocket from florida

• RUSSIA--Angara - A5 rocket W/missile attack warning spy

• *CBERS 4 -- china & brazil - earth resources satellite

• * ARSAT-1 -- Argentina domestic commuincation satellite

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Recent power projects -2015 • ARUN -3 hydro power project india helps - nepal

• RINL -- commissions green power project pollution free - 120 MWcapcity

• SPVs (Special purpose vehicles) coal locked states project -- chattisgarh , jharkahand , odhisa

• BHEL - 800MW - Kothagudam - telengana

• BHEL commission 147MW power plant in rwanda

• BHEL , russian firm INTMA ink powerplant in Kazakhstan

• BHEL commissioned 600MW thermal unit at dhabra in chattisgarh --600MW

• ADANI -Largest solarpark -- rajasthan --10000MW

• MODI - Inaugurated -- power plant khandwa district Mdhya pradesh- 600 MW

• MODI - Inauagrated 2nd unit palatana power project in tripura

• REWA - 750MW solar project - MADHYA PRADESH

ABBREVATIONS

#A

ACF --Auto-Correlation Function

AD-- Authorized Dealer

ADB --Asian Development Bank

ADR-- American Depository Receipt

AFS-- Annual Financial Statement

AGM-- Annual General Meeting

AIRCSC --All India Rural Credit Survey Committee

AO --Additive Outliers

AR-- Auto Regression

ARIMA-- Auto-Regressive Integrated Moving Average

AFS-- Available For Sale

ASSOCHAM --Associated Chambers of Commerce and Industry of India

ATM--Asynchronous Transfer Mode

ATM --Automated Teller Machine

#B

BIS --Bank for International Settlements

BOI --Bank of India

BoP-- Balance of Payments

BPSD --Balance of Payments Division,

BSR --Basic Statistical Returns

#C

CAD --Capital Account Deficit

CAG --Controller and Auditor General of India

CBS-- Consolidated Banking Statistics

CC-- Cash Credit

CD --Certificate of Deposit

CDR--Credit Deposit Ratio

CDBS --Committee of Direction on Banking Statistics

CF-- Company Finance

CFRA-- Combined Finance and Revenue Accounts

CGRA-- Currency and Gold Revaluation Account

CII --Confederation of Indian Industries

CO --Capital Outlay

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CP-- Commercial Paper

CPI --Consumer Price Index

CPI-IW Consumer Price Index for Industrial Workers

CR --Capital Receipts

CRAR --Capital to Risk Weighted Asset Ratio

CRR-- Cash Reserve Ratio

CSIR --Council of Scientific and Industrial Research

CSO --Central Statistical Organisation

CVC --Central Vigilance Commission

#D

DAP-- Development Action Plan

DBOD-- Department of Banking Operations and Development

DCB-- Demand Collection and Balance

DCCB-- District Central Cooperative Bank

DD-- Demand Draft

DDS --Data Dissemination Standards

DEIO --Department of External Investments and Operations

DI-- Direct Investment

DICGC-- Deposit Insurance and Credit Guarantee Corporation of India

DID--Discharge of Internal Debt

DMA --Departmentalized Ministries Account

DRI --Differntial Rate of Interest Scheme

DSBB --Dissemination Standards Bulletin Board

DVP --Delivery versus Payment

#E

ECB --External Commercial Borrowing

ECB-- European Central Bank

ECGC-- Export Credit and Guarantee Corporation

ECS --Electronic Clearing Scheme

EDMU --External Debt Management Unit

EEA --Exchange Equalization Account

EEC-- European Economic Community

EEFC --Exchange Earners Foreign Currency

EFR-- Exchange Fluctuation Reserve

EPF-- Employees Provident Fund

EUR-- Euro

EXIM --Bank Export Import Bank of India

#F

FCA --Foreign Currency Assets

FCCB-- Foreign Currency Convertible Bond

FCNR(B)-- Foreign Currency Non-resident (Banks)

FCNRA --Foreign Currency Non-resident Account

FCNRD-- Foreign Currency Non-Repatriable Deposit

FDI --Foreign Direct Investment

FEMA-- Foreign Exchange Management Act

FI-- Financial Institution

FICCI --Federation of Indian Chambers of Commerce and Industry

FII-- Foreign Institutional Investor

FIMMDA--Fixed Income Money Market and Derivatives Association of India

FISIM --Financial Intermediation Services Indirectly Measured

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FLAS --Foreign Liabilities and Assets Survey

FOF-- Flow Of Funds

FPI-- Foreign Portfolio Investment

FRA --Forward Rate Agreement

FRBM --Fiscal Responsibility and Budget Management Act, 2003

FRN-- Floating Rate Note

FSS -Farmers’ Service Societies

FWG-- First Working Group on Money supply

#G

GDP-- Gross Domestic Product

GDR-- Global Depository Receipt

GFD --Gross Fiscal Deficit

GFS-- Government Finance Statistics

GIC-- General Insurance Corporation

GLS --Generalized Least Squares

GNIE-- Government Not Included Elsewhere

GoI --Government of India

GPD --Gross Primary Deficit

G-Sec-- Government Securities

#H

HDFC-- Housing Development Finance Corporation

HFT --Held For Trading

HICP-- Harmonised Index of Consumer Prices

HUDCO-- Housing & Urban Development Corporation

# I

IBRD-- International Bank for Reconstruction and Development

IBS --International Banking Statistics

ICAR-- Indian Council of Agricultural Research

ICICI --Industrial Credit and Investment Corporation of India

ICMR-- Indian Council of Medical Research

IDB-- India Development Bonds

IDBI-- Industrial Development Bank of India

IDD --Industrial Development Department

IFAD-- International Fund for Agricultural Development

IFC-- International Finance Corporation

IFCI --Industrial Finance Corporation of India

IFR --Investment Fluctuation Reserve Account

IFS-- International Financial Statistics

IGLS-- Iterative Generalized Least Squares

IIBI --Industrial Investment Bank of India

IIP --Index of Industrial Production

IMD-- India Millennium Deposits

IMF-- International Monetary Fund

IN-- India

INR-- Indian Rupee

IOTT --Input-Output Transaction Table

IRBI-- Industrial Reconstruction Bank of India

ISDA-- International Swaps and Derivative Association

ISIC-- International Standard Industrial Classification

ISO-- International Standards Organization

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ITRS-- International Transaction Reporting System

IWGEDS-- International Working Group on External Debt Statistics

#L

LAF-- Liquidity Adjustment Facility

LAMPS --Large-sized Adivasi Multipurpose Societies

LBD --Land Development Bank

LBS --Locational Banking Statistics

LERMS-- Liberalised Exchange Rate Management System

LIC-- Life Insurance Corporation of India

LTO-- Long Term Operation

#M

M1 --Narrow Money

M3-- Broad Money

MIGA-- Multilateral Investment Guarantee Agency

MIS-- Management Information System

MMSE-- Minimum Mean Squared Errors

MSS --Market Stabilisation Scheme

MT-- Mail Transfer

MTM-- Mark-To-Market

#N

NABARD-- National Bank for Agriculture and Rural Development

NAS --National Account Statistics

NASSCOM --National Association of Software and Services Companies

NBC --Non-Banking Companies

NBFC-- Non Banking Financial Companies

NEC --Not Elsewhere Classified

NEER-- Nominal Effective Exchange Rate

NFA --Non-Foreign Exchange Assets

NFD-- Net Fiscal Deficit

NGO-- Non-Governmental Organization

NHB-- National Housing Bank

NIC --National Industrial Classification

NIF --Note Issuance Facility

NNML --Net Non-Monetary Liabilities

NPA --Non-Performing Assets

NPD-- Net Primary Deficit

NPRB --Net Primary Revenue Balance

NPV --Net Present Value

NRE-- Non-Resident External

NRG --Non-Resident Government

NRI-- Non-Resident Indian

NSC --National Statistical Commission

NSSF-- National Small Savings Fund

#O

ODA --Official Development Assistance

OECD-- Organisation for Economic Cooperation and Development

OECO --Organisaton for Economic Co-operation

OFI --Other Financial Institutions

OLTAS --OnLine Tax Accounting System

OMO --Open Market Operations

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OSCB-- Other Indian Scheduled Commercial Bank

#P

PACF-- Partial Auto-Correlation Function

PACS --Primary Agriculture Credit Societies

PCARDB-- Primary Cooperative Agriculture and Rural Development Bank

PD-- Primary Deficit

PDAI-- Primary Dealers Association of India

PDO-- Public Debt Office

PDO-NDS-- Public Debt Office-cum-Negotiated Dealing System

PDs-- Primary Dealers

PES-- Public Enterprises Survey

PF --Provident Fund

PIO --Persons of Indian Origin

PRB --Primary Revenue Balance

PSE-- Public Sector Enterprises

PUC-- Paid Up Capital

QRR --Quick Review Report

#R

RD-- Revenue Deficit

RE-- Revenue Expenditure

REC --Rural Electrification Corporation

REER-- Real Effective Exchange Rate

RFC-- Residents Foreign Currency

RIB-- Resurgent India Bonds

RIDF-- Rural Infrastructure Development Fund

RLA-- Recoveries of Loans & Advances

RLC --Repayment of Loans to Centre

RNBC-- Residuary Non-Banking Companies

RoCs-- Registrars of Companies

RPA-- Rupee Payment Area

RPCD-- Rural Planning and Credit Department, RBI

RR --Revenue Receipts

RRB --Regional Rural Bank

RTP --Reserve Tranche Position

RUF-- Revolving Underwriting Facility

RWA-- Risk Weighted Asset

#S

SAM-- Social Accounting Matrix

SAS --Statistical Analysis System

SCARDB-- State Cooperative Agriculture and Rural Development Bank

SCB-- State Cooperative Bank

SCB-- Scheduled Commercial Bank

SCS --Size Class Strata

SDDS-- Special Data Dissemination Standards

SDR --Special Drawing Right

SEBI --Securities and Exchange Board of India

SEBs-- State Electricity Boards

SFC-- State Financial Corporation

SGL-- Subsidiary General Ledger

SGSY-- Swarnajayanthi Gram Swarrojgar Yojana

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SHGs --Self-Help Groups

SIDBI-- Small Industries Development Bank of India

SIDC-- State Industrial Development Corporation

SI-SPA --Systems Improvement Scheme under Special Project Agriculture

SJSRY-- Swarna Jayanti Shahari Rojgar Yojana

SLR-- Statutory Liquidity Ratio

SLRS-- Scheme for Liberation & Rehabilitation of Scavengers

SMG --Standing Monitoring Group

SNA-- System of National Accounts

SRWTO --Small road & Water Transport Operators

SSI --Small-Scale Industries

SSSBEs --Small Scale Service & Business Enterprises

SWG-- Second Working Group on Money Supply

#T

TBs --Treasury Bills

TC-- Temporary Change

TT --Telegraphic Transfer

#U

UBB-- Uniform Balance Book

UBD-- Urban Banks Department

UCB-- Urban Cooperative Bank

UCN --Uniform Code Number

US --United States

USD-- US Dollars

UTI-- Unit Trust of India

VC --Venture Capital

#W

WGMS-- Working Group on Money Supply

WPI --Wholesale Price Index

WSS-- Weekly Statistical Supplement

YTM --Yield to Maturity

� FINANCIAL AWARNESS

Highlights of RBI’s 2nd Bi-Monthly Monetary Policy

• Short—term lending rate (repo) cut by 0.25 per cent to 7.25 per cent

• Cash Reserve Ratio unchanged at 4 per cent

• Statutory Liquidity Ratio retained at 21.5 per cent

• Inflation expected to rise to 6 per cent by January 2016

• Growth forecast lowered to 7.6 per cent for 2015-16 from 7.8 per cent projected in April.

• RBI Estimates Current Account Deficit at 1.5% in FY16

• Reserve Bank of India (RBI) on 16 July 2015 permitted Cooperative Banks with Core Banking Solution

(CBS) to issue ATM cards/ATM-cum-debit cards in tie with a sponsor banks. The decision was taken

by the RBI in an attempt to move towards a less-cash economy and with an aim to inculcate the habit

of using electronic payment channels among bank customers.

Following are the criteria to become a sub-member of NFS:

i. Core Banking Solution (CBS) fully implemented

ii. Licence for conducting banking business Introduction from sponsor bank (a bank having

ATM network connectivity)

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iii. Connectivity with National Payment Corporation of India (NPCI)

iv. The decision is in addition to the earlier decision of the RBI taken on 16 April 2015 to allow

State Cooperative Banks (StCBs) to install offsite/ mobile ATMs as per their need and

potential in their area of operation.

However, they were allowed to install mobile ATMs only with prior permission of the RBI and subject to

satisfying the following criteria:

i. CRAR not being less than 9 per cent

ii. No default in maintenance of CRR/SLR during the preceding financial year

iii. Net NPA being less than 5 per cent

iv. The bank should have a track record of regulatory compliance and no monetary penalty

should have been imposed on the bank on account of violation of RBI directives/guidelines

during last two financial years

• The Reserve Bank of India (RBI) on 15 July 2015 constituted a committee to work out a five-year

(medium-term) action plan for financial inclusion. The 14-member panel will be headed by RBI

executive director Deepak Mohanty. The Committee will work to spread the reach of financial

services to unbanked population.

• To review the existing policy of financial inclusion including supportive payment system and

customer protection framework taking into account the recommendations made by various

committees set up earlier.

• To study cross country experiences in financial inclusion to identify key learning’s, particularly in

the area of technology-based delivery models that could inform our policies and practices.

• Reserve Bank of India (RBI) on 16 July 2015 directed banks to ensure that their overall direct

lending to farmers should not fall below the average of last three years. The direction was given by

RBI against the backdrop of government expressing concern over adverse impact of any reduction

in direct credit, given the adverse weather conditions. Further, the RBI warned the banks that direct

lending below the target set for priority sector lending will attract usual penalties. The apex bank

also said that banks should also continue to maintain efforts to reach the level of 13.5 percent

direct lending to beneficiaries who earlier constituted the direct agriculture sector.

• The RBI has asked banks to consider the due date on which the customer is supposed to pay the

minimum amount towards credit card dues while calculating the 90-day period beyond which the

customer will be considered an NPA if there is no payment made.

• The Reserve Bank signed a special currency swap agreement with the Central Bank of Sri Lanka that

will allow the latter to draw up to USD 1.1 billion. Under the arrangement, the Sri Lankan bank can

draw up to USD 1.1 billion for a maximum period of six months. This special arrangement is in

addition to the existing Framework on Currency Swap Arrangement for the SAARC member

countries. In March, RBI had signed a Currency Swap Agreement with the Central Bank of Sri Lanka

for USD 400 million under the existing SAARC Currency Swap Framework within the overall limit of

USD 2 billion.

MONTHLY-FINANCIAL AWARNESS

AUGUST

RBI norms to push more loans to farmers

In a bid to strengthen credit flow to small and marginal farmers, RBI has asked banks to ensure that direct

lending to non-corporate farmers does not fall below the system wide average of the last three years

achievement

RBI on fair value for recast exercise

RBI said that a rate equal to the actual interest rate charged to the borrower before restructuring may be

used to discount future cash flows for the purpose of determining the diminution in fair value of loans on

restructuring.

RBI tightens NPA rule on credit card dues

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Past due' status of a credit card account for the purpose of asset classification would be reckoned from the

payment due date mentioned in the monthly credit card statement. Consequently, in case of banks, a

credit card account will be treated as Non-Performing Asset if the minimum amount due, as mentioned in

the statement, is not paid fully within 90 days from the payment due date mentioned in the statement

RBI allows issue of prepaid cards by mass rapid operators

RBI has given its final nod for introducing a new category of semi-closed Prepaid Payment Instruments

(PPI) for Mass Transit Systems (PPI-MTS) to encourage migration

from cash to electronic payments. Among other features, these instruments will be re-loadable, can have a

balance limit of up to `2,000 and come with minimum validity of

six months from the date of issue.

Banks should make use of CRILC

RBI has asked banks to make use of the information available in Central Repository of Information on Large

Credits (CRILC) while opening current accounts of customers. They should not just limit their due diligence

to seeking a No-Objection Certificate (NOC) from the bank with whom the customer is supposed to be

enjoying the credit facilities.

RBI's revised MIBOR method

With the introduction of Financial Benchmarks India Limited - Overnight MIBOR on July 22, 2015, RBI has

revised the methodology for the Fixed Income, Money Market and Derivatives Association of India

(FIMMDA) - National Stock Exchange - Overnight Mumbai Interbank bid / offer rate (overnight MIBID /

MIBOR) benchmark in India.

RBI on credit concentration norms

RBI will give leeway to NBFCs in determination of credit concentration norms for their investments made in

companies in the same group / subsidiaries of NBFCs, provided these investments have been reduced to

the extent such amount exceeds 10 per cent of the Owned

Funds

NBFCs need RBI nod for acquisition, transfer of

control

As per a RBI notification, in cases of acquisition / transfer of control of NBFCs, parties to the transaction

will need to give prior public notice and seek its approval. NBFCs will have to give public notice of at least

30 days before effecting the sale or transfer of ownership through sale of shares, or transfer of control

with or without sale of shares.

RBI for account aggregator NBFC

Reserve Bank will put in place a regulatory framework to allow a new kind of Non-Banking Finance

Company (NBFC), which could act as an account aggregator to enable the common man to see all his

accounts across financial institutions in a common format. The idea of such an NBFC had emanated from

the Financial Stability and Development Council (FSDC).

India, US sign FATCA to curb tax evasion

From September 30, 2015, India and the US will start sharing information about bank accounts or financial

investments made by their citizens in each other's countries. This move will help curb offshore tax

evasions. Both countries, signed an Inter Governmental Agreement (IGA) to implement the Foreign

Account Tax Compliance Act (FATCA) to promote transparency on tax matters

Black money : rules for valuation of foreign assets notified

According to the rules notified for implementation of a one-time compliance window under the Black

Money (Undisclosed Foreign Income and Assets) and Imposition of Tax Act, 2015, anyone having

undisclosed foreign assets abroad will now have to pay tax and a penalty on the sum of deposits made

since opening the account.

RBI constitutes committee on financial inclusion

RBI has constituted a committee for working out a medium-term (five-year) measurable action plan for

financial inclusion. The terms of reference will include reviewing the existing policy of financial inclusion,

54 | P a g e


including supportive payment system & customer protection framework, and considering the

recommendations made by various earlier committees

Securitization market set for take-off

Insurance, Pension and Mutual Funds can play an important role in the Indian securitisation market as they

can invest long term and at the same time have the risk appetite, capacity and expertise for taking

exposures to the lower tranches. However, the Pension Funds are not allowed to invest in securitisation

PTCs and Insurance companies are allowed to invest in high

investment grade AAA securities only.

Monetary policy panel to have three RBI members

The proposed Monetary Policy Committee (MPC) will have three members from RBI instead of two

proposed earlier, under a revised draft of the Indian Financial Code (IFC). Due to the code, the present

system of Reserve Bank of India (RBI) governor solely deciding the monetary policy actions (such as interest

rate) will be replaced by an MPC taking such decisions by majority. As per the revised draft, the MPC would

be headed by RBI chairperson and would include an executive member of its board and one of its

employees nominated by the chairperson, apart from four members appointed by the

government.

RBI expands loan recast forbearance for NBFCs

RBI has expanded the scope of forbearance on restructured loans of projects for Non Banking Finance

Companies (NBFCs) by bringing them on par with banks, Now, lenders can classify restructured loans as

standard, in case a project is stuck for a total 6 years, provided the final two year delay is due to a change

in ownership.

RBI eases cash delivery via LAF

Worried over volatility on intra-day call money days, RBI will offer funds to banks via the fixed rate repo

and reverse repo windows on a real-time basis. RBI aims to keep overnight rates close to the repo rates i.e.

7.25%

New Basel III norms will affect growth

According to Mr. S. S. Mundra, Deputy Governor, RBI, the new international regulatory measures under

the Basel III norms would have an adverse impact on the economic growth and all countries need to brace

up to this fact

Insurers' approved investments can only be in CNX200,

BSE200 companies In its new draft on investments, IRDAI has said that only the equity investments in

CNX200 or BSE200 can be considered as approved investments. Other approved instruments for

investment would also include debentures by first charge on immovable

property.

IRDAI group to explore opportunities in insurance e-commerce

IRDAI constitutes two groups - one in life insurance and one in general insurance - to explore opportunities

in the e-commerce sector. They are inclined to facilitate the promotion of e-commerce in insurance space

to reduce the cost of transacting insurance business along with bringing higher efficiencies and greater

reach.This will suitably leverage the government's Digital India initiative aimed at creating a digitally

empowered society and knowledge economy. The panels have been formed with captains of industry as

members including Mr. Sandeep Bakshi, CEO, ICICI Prudential Life Insurance Prudential Life Insurance

Company Ltd., and Mr. Tapen Singhel, CEO, Bajaj Allianz General Insurance Company Ltd. They will identify

opportunities of e-commerce in the insurance sector, recommend technological solutions for e-commerce,

suggest regulatory and other facilitation measures for the growth of e-commerce and synergize with

Centre's Digital India initiative.

GDP to grow 8% in FY16; hit $3-trillion mark in five years

According to Dr. Arvind Panagariya, Vice-Chairman, NITI Aayog India's growth rate is expected to

accelerate to 8% in the current financial year and the economy will surpass the $3 trillion mark in less than

five years.

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JULY

RBI directive on pay package for non-executive directors

RBI has asked the Board of Directors to formulate a comprehensive compensation policy, including

payment in the form of profit-related commission, for nonexecutive directors (other than the Part-time

Chairman) of private banks.

RBI announces measures on SDR

Under a new Strategic Debt Restructuring (SDR) scheme, banks, as majority owners, can find professionals

to run the company and then divest stake in order to recover their dues. RBI has proposed a slew of

measures, including setting a timeline of 30 days from the review of the restructured loan account for

invoking the SDR.

Banks allowed to invest in long-term bonds of other banks, with rider

RBI has allowed banks to invest in long term-bonds of other banks, subject to conditions whereby not more

than 20% of the primary issue size of a bond issue is allotted to banks. Presently banks are not permitted to

cross-hold long-term bonds issued specifically for the purpose of financing of infrastructure and affordable

housing loans among themselves. Banks' investment in such bonds will not be treated as 'assets with the

banking system in India' for the purpose of calculation of Net Demand and Time Liability (NDTL).

RBI asks big borrowers to hedge against price risks

RBI has advised banks to encourage large agricultural borrowers, such as agricultural commodity

processors, traders, millers, and aggregators etc. to hedge their commodity price risks with the use of

derivatives. Banks provide a number of credit facilities to customers engaged in

activities related to agriculture.

RBI eases norms for banks to raise foreign money

With a view to providing greater flexibility in seeking access to overseas funds RBI has permitted

Authorised Dealer Category-I banks to borrow from international / multilateral financial institutions

without approaching Reserve Bank for a case by case approval. These shall include International /

Multilateral Financial Institutions of which Government of India is a shareholding member or which have

been established by more than one government or have shareholding by more than one government and

other international organizations

RBI proposes net stable funding ratio for banks under Basel III

RBI has proposed that banks maintain a minimum 100% net stable funding ratio under Basel-III guidelines

to have access to stable sources of funding on a continued basis. Banks will have to maintain a Net Stable

Funding Ratio (NSFR) from January 2018.

RBI allows airlines, affordable housing project developers to tap overseas funds

RBI has reviewed the scheme of raising ECB for working capital as a permissible end-use, under the

approval route for civil aviation sector. It will continue till March 31, 2016, with the same terms and

conditions. Similarly, the scheme of raising ECBs for low-cost affordable housing

projects will continue for the financial year 2015-16.

FM asks PSBs to chalk out five-year recap plan

The Finance Ministry has asked PSBs to draw up a five-year capitalization schedule to prepare them to lend

support to its long-term growth plans. This marks a departure from the existing practice of capital

allocation on the basis of annual requirements to ensure banks complied with capital adequacy norms

FM proposes tax rebate on card payments

India is looking to incentivize the use of credit and debit cards by offering tax rebates to merchant

establishments and consumers. High-value transactions may be made mandatory through electronic

means and an additional levy may be imposed on cash payments above a certain level, to curb black

money

New banks : Bandhan gets final RBI nod

Bandhan Financial Services has got the final approval from RBI to become a full fledged bank. The new

Bandhan Bank will be head-quartered in Kolkata and will launch operations in August. Bandhan, the

country's largest micro-finance institution, bagged RBI's inprinciple approval to set up a bank. All of

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Bandhan's existing business and existing clients will be transferred to the bank. The core focus will be

retail, rural and MSMEs (micro, small and medium enterprise).

FM pushes for uniform reserve price on bad assets

To ensure that ARCs carry out better due diligence before buying an asset, in August 2014 RBI mandated

that they hold a minimum of 15% (instead of earlier 5%) of the Security Receipts issued by them against

the stressed / bad assets acquired by them. Thus, ARCs pay a bank 15% of the price of the loan that is

agreed upon with the banks and for the remaining amount, they issue security receipts as compensation to

the bank consequent upon sale of these assets.

RBI warns against misuse of collateral in share trading

Reserve Bank of India (RBI) has cautioned against the use of collateral by the clearing members for

purposes other than intended for, as the securities are transferred into an omnibus account.

India among top 10 FDI destinations in 2014

According to the United Nations Conference on Trade and Development (Unctad)'s World Investment

Report 2015, India has moved up six places to become one of the top 10 destinations for Foreign Direct

Investment (FDI) in 2014. FDI inflows into India were $34 billion

in 2014, up 22% from $28 billion in 2013. In fact, inflows into the country were 83.5% of South Asia's $41.2

billion, including Iran and the seven other member nations of the South Asian Association for Regional Co-

operation (SAARC)

ADB to increase annual lending to India to $4 billion

Over the next few years, the Asian Development Bank (ADB) has decided to increase lending to India, from

an annual average of $3 billion to $4 billion in order to support new initiatives that target higher growth

and reduce poverty, said Mr. Takehiko Nakao, the visiting President of ADB.

JUNE

The Housing Development Finance Corp (HDFC)

the largest mortgage lender in the country, on 8 Jun said its board of directors had approved fund-raising

worth `5,000 cr simultaneously by secured redeemable non-convertible debentures (NCDs) and warrants.

Restructuring bad loans

In a significant move to provide a more flexible process for lenders to recover bad loans, the Reserve Bank

of India (RBI) on 8 Jun allowed banks to acquire 51 per cent or more stakes in companies defaulting after

restructuring of their loans

Utility bills

Utility bills can now be submitted as proof of address for opening account with banks or other financial

institutions, the Reserve Bank of India said on 11 Jun.

The govt has decided to infuse capital in public sector banks (PSBs) based on the requirement of individual

lenders. The govt has asked PSBs to make detailed presentations on their capital requirement for the

current financial year. If the govt is convinced that a bank needs funds, then it will infuse capital. The govt

has earmarked `7,940 cr for capital infusion in PSBs in 2015-16

The Asian Development Bank (ADB)

has decided to increase its lending to India as part of efforts to support the country’s new initiatives that

target higher growth and reduced poverty. From being an average $ 3-bn annual lender, ADB will move

towards annual lending of $ 4 bn to India in next few years. This was announced by the visiting ADB Bank

President Takehiko NAkao

After a gap of more than a decade, a new private sector lender will start operations from Aug 23. The

Kolkatabased micro financier, Bandhan Financial Services, received the final approval from the Reserve

Bank of India on 17 Jun morning. The bank will not give loans to the corporate sector, at least for the time

being, and focus on its strength, that is serving the bottom of the pyramid category. The lender will start

with 600 branches, of which 200 will be in metro and urban areas and the remaining in semi-urban and

rural areas

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loan against shares

In probably a first-of-its-kind ‘loan against shares’ (LAS) offering, HDFC Bank is allowing customers to

design their own loans. The entire loan offering is digitised and is aimed at reducing the time taken for the

loan approval and disbursement from four to eight days (across the industry) to 24 hours.

Rupay ,India’s own card payment system floated by the National Payment Corporation of India (NPCI)

would roll out RuPay Credit cards from next year.

Bank for International Settlements (BIS)

The Bank for International Settlements (BIS), the apex bank for all central banks, has complimented the

Indian banking authorities for their substantial reforms and alignment with the Basel framework. The

Indian Basel III framework for bank risk-based capital requirements came into force in Apr 2013

world banks with RGTIL

The Reliance Gas Transportation Infrastructure Ltd (RGTIL), an unlisted company owned by India’s richest

man, Mukesh Ambani ,has received a generous loan-restructuring package from Indian banks after the

company incurred huge losses in the past few years.

The multilateral lender world bank on 3 june approved $250mn loan for Jhelum and Tawi flood Recovery

Project for reconstruction of flood-affected public infrastructure in jammu&Kashmir.The project will be

funded by credit from World Bank’s concessionary International Development Association (IDA). The loan

has a maturity of 25 years, including a 5-year grace period.

World Bank hleps tamilnadu for urban development project

The central govt has signed a deal with the World Bank for a $400mn loan for an urban development

project in Tamil Nadu. The size of the project is $600 mn, of which $400 mn would be financed through the

International Bank for Reconstruction and Development.

Based on the Asia Infrastructure Investment Bank (AIIB) members’ GDP weight in the world economy,

China will become the bank’s largest shareholder, followed by India and Russia. China is likely to have a

30.85% share in the bank, followed by India with 10.4 per cent.

‘Green PIN’ scheme

The second-largest private sector lender HDFC Bank has decided to discontinue issuing slips after cash

withdrawals at ATMs and will alert the customer through SMSes. The bank will roll out the scheme across

its network of over 11,700 ATMs by the end of Jun. The bank witnesses an average of 2 cr cash withdrawals

every month at its ATMs. The switch to paperless mode will help it save about `10 cr a year spent on paper.

This is a part of the digital initiative for the bank, under which it had last year launched the ‘Green PIN’

scheme, wherein card-users were given the PIN numbers electronically rather than in a printed kit.

SBI tie up with snapdeal

The State Bank of India (SBI) is aggressively trying to grab a piece of the business in the digital commerce

space. The country’s largest lender on 20 May signed a memorandum of understanding with Amazon to

develop payment and commerce solutions for customers and small businesses. The SBI also inked two

MoUs—one with e-commerce major Snapdeal and the other with digital payments company, PayPal.

The ICICI Bank launched voice recognition service

which authenticates customers based on their speech patterns and allows them to execute banking

transactions through the bank’s call centre in a quick, secure and convenient manner? The first-of-it-kind

service by a bank in the country, it is available to over 33 mn customers of its savings account and credit

card.

ANZ Bank

will open two more branches in India by early next year. The two branches would be opened at Gurgaon

and Bangalore. The bank opened its first branch in India at Mumbai four years ago

The wage revision

Following a pact between public sector bank (PSB) employees and officers with the management, all

branches in the country will remained closed on all second and fourth Saturdays from July. IBA has also

signed a wage settlement pact with the United Forum of Bank Unions and a few others, for a 15 per cent

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increase in salary and allowances to about a million employees. The wage revision is with effect from Nov

1, 2012, and is valid for five years.

Five of the world’s largest banks

including JPMorgan Chase & Co and Citigroup Inc, were fined roughly $5.7 bn, and four of them pleaded

guilty to US criminal charges over manipulation of foreign exchange rates, authorities said on 20 May. A

fifth bank, UBS AG, will plead guilty to rigging benchmark interest rates, the US Justice Department said.

UnionPay International

Chinese tourists and people working in India may soon be able to use automated teller machines (ATMs)

and point of sale (PoS) terminals in the country to withdraw cash in the Indian currency. The National

Payments Corporation of India(NPCI),an agency backed by the Reserve Bank of India (RBI) that processes

retail transactions in India, has signed an agreement with UnionPay International, its counterpart from

China, to allow Chinese customers to use ATMs and PoS terminals in India.

The Reserve bank of India(RBI) on 21 May relaxed rules for Indian companies to raise money in rupees

from overseas lenders. The overseas lenders will have to enter into currency swap transactions with their

overseas banks, which in turn will provide rupees by tapping a bank in India for extending funds in rupees

to the corporate.

liberalised remittances scheme

The govt has issued rules to raise limit on funds individuals can take abroad under liberalised remittances

scheme. The limit has been raised to $2.5 lakh (about `1.6 cr) from the current $1.25 lakh (about `80 lakh).

The RBI had announced this increase in the Feb monetary policy.

Jan Dhan Yojana envisages

Only 8,000 account holders have availed of the overdraft (OD) facility under the Jan Dhan Yojana,

according to govt sources. The Jan Dhan Yojana envisages extending households an overdraft facility of

`5,000 after satisfactory operation of accounts. As the overdraft can be offered only in accounts operated

for over six months, only those that were opened before Oct 31 are currently eligible for the facility

Japan unveiled

Japan unveiled a plan on 21 May to provide $110 bn in aid for Asian infrastructure projects, as China

prepares to launch a new institutional lender that is seen as encroaching on the regional financial clout of

Tokyo and its ally Washington.

point of sales (PoS) terminals

To reduce cash transactions in the economy and boost the usage of cards and point of sales (PoS)

terminals, the Union finance ministry and Reserve Bank of India (RBI) have set up a committee to look at

ways to encourage use of plastic money. The committee has representatives from National Payments

Corporation of India, State Bank of India and ICICI Bank.

world’s first facial-recognition ATM

China has unveiled the world’s first facial-recognition ATM, which will not allow users to withdraw cash

unless their face matches their IDs. The machine was created by Tsinghua University and Hangzhou-based

technology company Tzekwan.

Kotak Mahindra Bank and ING Bank

have joined hands for exploring opportunities arising from cross-border business, investment and trade

flows across various regions, including Europe. A Memorandum of Understanding (MoU) to this effect was

signed in the presence of the visiting Netherlands PM Mark Rutte to India on 5 Jun.

benchmark index Sensex

The private sector electricity producer Tata Power moved out of the stock market benchmark index Sensex

and was replaced by pharmaceuticals company Lupin. Adani Power is to be excluded from the S&P BSE 100

and be replaced by Aurobindo Pharma. In addition, Tata Motors. class ‘A’ shares or DVR shares will also be

included in BSE 100. Asia’s oldest exchange also removed Canara Bank and Bank of India from the Bankex,

and replaced 26 companies from the BSE 500 index by introducing 27 stocks as part of their index

rebalancing.

The Forward Markets Commission

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(FMC) will have to complete all pending investigations before its merger with the securities market

regulator, Securities and Exchange Board of India (Sebi). This is one of the key conditions put by Sebi,

working to ensure a smooth transition from being a stock market regulator to one for commodities, too.

The commodities regulator is being merged with Sebi following an announcement in the Union budget in

Feb.

Key financial terms

APR: It stands for Annual Percentage Rate. APR is a percentage that is calculated on the basis of the

amount financed, the finance charges, and the term of the loan.

ABS: Asset-Backed Securities. It means a type of security that is backed by a pool of bank loans, leases, and

other assets.

EPS: Earnings Per Share means the amount of annual earnings available to common stockholders as stated

on a per share basis.

CHAPS: Clearing House Automated Payment System. It’s a type of electronic bank-to-bank payment system

that guarantees same-day payment.

IPO: Initial Public Offerings is defined as the event where the company sells its shares to the public for the

first time. (or the first sale of stock by a private company to the public.)

FPO: Follow on Public Offerings: An issuing of shares to investors by a public company that is already listed

on an exchange. An FPO is essentially a stock issue of supplementary shares made by a company that is

already publicly listed and has gone through the IPO process.

Difference: IPO is for the companies which have not been listed on an exchange and FPO is for the

companies which have already been listed on an exchange but want to raise funds by issuing some more

equity shares.

RTGS: Real Time Gross Settlement systems is a funds transfer system where transfer of money or securities

takes place from one bank to another on a “real time”. (‘Real time’ means within a fraction of seconds.)

The minimum amount to be transferred through RTGS is Rs 2 lakh. Processing charges/Service charges for

RTGS transactions vary from bank to bank.

NEFT: National Electronic Fund Transfer. This is a method used for transferring funds across banks in a

secure manner. It usually takes 1-2 working days for the transfer to happen. NEFT is an electronic fund

transfer system that operates on a Deferred Net Settlement (DNS) basis which settles transactions in

batches. (Note: RTGS is much faster than NEFT.)

CAR: Capital Adequacy Ratio. It’s a measure of a bank’s capital. Also known as “Capital to Risk Weighted

Assets Ratio (CRAR)”, this ratio is used to protect depositors and promote the stability and efficiency of

financial systems around the world. It is decided by the RBI.

NPA: Non-Performing Asset. It means once the borrower has failed to make interest or principal payments

for 90 days, the loan is considered to be a non-performing asset. Presently it is 2.39%.

IMPS: Inter-bank Mobile Payment Service. It is an instant interbank electronic fund transfer service

through mobile phones. Both the customers must have MMID (Mobile Money Identifier Number). For this

service, we don’t need any GPS-enabled cell phones.

BCBS: Basel Committee on Banking Supervision is an institution created by the Central Bank governors of

the Group of Ten nations.

RSI: Relative Strength Index.

IFSC code: Indian Financial System Code. The code consists of 11 characters for identifying the bank and

branch where the account in actually held. The IFSC code is used both by the RTGS and NEFT transfer

systems.

MSME and SME: Micro Small and Medium Enterprises (MSME), and SME stands for Small and Medium

Enterprises. This is an initiative of the government to drive and encourage small manufacturers to enjoy

facilities from banks at concessional rates.

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LIBOR: London InterBank Offered Rate. An interest rate at which banks can borrow funds, in marketable

size, from other banks in the London interbank market.

LIBID: London Interbank Bid Rate. The average interest rate at which major London banks borrow

Eurocurrency deposits from other banks.

ECGC: Export Credit Guarantee Corporation of India. This organisation provides risk as well as insurance

cover to the Indian exporters.

SWIFT: Society for Worldwide Interbank Financial Telecommunication. It operates a worldwide financial

messaging network which exchanges messages between banks and other financial institutions.

STRIPS: Separate Trading for Registered Interest & Principal Securities.

CIBIL: Credit Information Bureau of India Limited. CIBIL is India’s first credit information bureau. Whenever

a person applies for new loans or credit card(s) to a financial institution, they generate the CIBIL report of

the said person or concern to judge the credit worthiness of the person and also to verify their existing

track record. CIBIL actually maintains the borrower’s history.

CRISIL: Credit Rating Information Services of India Limited. Crisil is a global analytical company providing

ratings, research, and risk and policy advisory services.

AMFI: Association of Mutual Funds of India. AMFI is an apex body of all Asset Management Companies

(AMCs) which have been registered with SEBI. (Note: AMFI is not a mutual funds regulator)

FCCB: Foreign Currency Convertible Bond. A type of convertible bond issued in a currency different from

the issuer’s domestic currency.

CAC: Capital Account Convertibility. It is the freedom to convert local financial assets into foreign financial

assets and vice versa. This means that capital account convertibility allows anyone to freely move from

local currency into foreign currency and back, or in other words, transfer of money from current account to

capital account.

BANCASSURANCE: Is the term used to describe the partnership or relationship between a bank and an

insurance company whereby the insurance company uses the bank sales channel in order to sell insurance

products.

Balloon payment: Is a specific type of mortgage payment, and is named “balloon payment” because of the

structure of the payment schedule. For balloon payments, the first several years of payments are smaller

and are used to reduce the total debt remaining in the loan. Once the small payment term has passed

(which can vary, but is commonly 5 years), the remainder of the debt is due - this final payment is the one

known as the “balloon” payment, because it is larger than all of the previous payments.

CPSS: Committee on Payment and Settlement Systems

FCNR Accounts: Foreign Currency Non-Resident accounts are the ones that are maintained by NRIs in

foreign currencies like USD, DM, and GBP.

M3 in banking: It’s a measure of money supply. It is the total amount of money available in an economy at

a particular point in time.

OMO: Open Market Operations. The buying and selling of government securities in the open market in

order to expand or contract the amount of money in the banking system. Open market operations are the

principal tools of monetary policy. RBI uses this tool in order to regulate the liquidity in economy.

Umbrella Fund: A type of collective investment scheme. A collective fund containing several sub-funds,

each of which invests in a different market or country.

ECS: Electronic Clearing Facility is a type of direct debit.

Tobin tax: Suggested by Nobel Laureate economist James Tobin, was originally defined as a tax on all spot

conversions of one currency into another.

Z score is a term widely used in the banking field.

POS: Point Of Sale, also known as Point Of Purchase, a place where sales are made and also sales and

payment information are collected electronically, including the amount of the sale, the date and place of

the transaction, and the consumer’s account number.

LGD: Loss Given Default. Institutions such as banks will determine their credit losses through an analysis of

the actual loan defaults.

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Junk Bonds: Junk bonds are issued generally by smaller or relatively less well-known firms to finance their

operations, or by large and well-known firms to fund leveraged buyouts. These bonds are frequently

unsecured or partially secured, and they pay higher interest rates: 3 to 4 percentage points higher than the

interest rate on blue chip corporate bonds of comparable maturity period.

ARM: Adjustable Rate Mortgage is basically a type of loan where the rate of index is calculated on the basis

of the previously selected index rate.

ABO: Accumulated Benefit Obligation, ABO is a measure of liability of pension plan of an organisation and

is calculated when the pension plan is terminated.

Absorption: A term related to real estate, it is a process of renting a real estate property which is newly

built or recently approved.

AAA: A type of grade that is used to rate a particular bond. It is the highest rated bond that gives maximum

returns at the time of maturity.

DSCR: Debt Service Coverage Ratio, DSCR is a financial ratio that measures the company’s ability to pay

their debts.

FSDC: Financial Stability and Development Council, India’s apex body of the financial sector.

ITPO: India Trade Promotion Organisation is the nodal agency of the Government of India for promoting

the country’s external trade.

FLCC: Financial Literacy and Counseling Centres.

ANBC: Adjusted Net Bank Credit is Net Bank Credit added to investments made by banks in non-SLR bonds.

Priority sector lending: Some areas or fields in a country depending on its economic condition or

government interest are prioritised and are called priority sectors i.e. industry, agriculture.

M0, M1, M2 AND M3: These terms are nothing but money supply in banking field.

BIFR: Bureau of Industrial and Financial Reconstruction.

FRBM Act 2003: Fiscal Responsibility and Budget Management act was enacted by the Parliament of India

to institutionalise financial discipline, reduce India’s fiscal deficit, and improve macroeconomic

management and the overall management of the public funds by moving towards a balanced budget.

The main objectives of FRBM Act are:-

1. To reduce fiscal deficit.

2. To adopt prudent debt management.

3. To generate revenue surplus.

Gold Standard: A monetary system in which a country’s government allows its currency unit to be freely

converted into fixed amounts of gold and vice versa.

Fiat Money: Fiat money is a legal tender for settling debts. It is a paper money that is not convertible and is

declared by government to be legal tender for the settlement of all debts.

BCSBI: The Banking Codes and Standards Board of India is a society registered under the Societies

Registration Act, 1860 and functions as an autonomous body, to monitor and assess the compliance with

codes and minimum standards of service to individual customers to which the banks agree to.

OLTAS: On-Line Tax Accounting System.

EASIEST: Electronic Accounting System in Excise and Service Tax.

SOFA: Status of Forces Agreement, SOFA is an agreement between a host country and a foreign nation

stationing forces in that country.

CALL MONEY: Money loaned by a bank that must be repaid on demand. Unlike a term loan, which has a

set maturity and payment schedule, call money does not have to follow a fixed schedule. Brokerages use

call money as a short-term source of funding to cover margin accounts or the purchase of securities. The

funds can be obtained quickly.

Scheduled bank: Scheduled Banks in India constitute those banks which have been included in the Second

Schedule of RBI Act, 1934 as well as their market capitalisation is more than Rs 5 lakh. RBI in turn includes

only those banks in this schedule which satisfy the criteria laid down vide section 42 (6) (a) of the Act.

FEDAI: Foreign Exchange Dealers Association of India. An association of banks specialising in the foreign

exchange activities in India.

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PPF: Public Provident Fund. The Public Provident Fund Scheme is a statutory scheme of the Central

Government of India. The scheme is for 15 years. The minimum deposit is Rs 500 and maximum is Rs

70,000 in a financial year.

SEPA: Single Euro Payment Area.

GAAP: Generally Accepted Accounting Principles. The common set of accounting principles, standards and

procedures that companies use to compile their financial statements.

Indian Depository Receipt: Foreign companies issue their shares and in return they get the depository

receipt from the National Security Depository in return of investing in India.

Hot Money: Money that is moved by its owner quickly from one form of investment to another, as to take

advantage of changing international exchange rates or gain high short-term returns on investments.

NMCEX: National Multi-Commodity Exchange.

PE RATIO: Price to Earnings Ratio, a measure of how much investors are willing to pay for each dollar of a

company’s reported profits.

CASA: Current Account, Savings Account.

CAMELS: CAMELS is a type of Bank Rating System. (C) stands for Capital Adequacy, (A) for Asset Quality,

(M) for Management ,(E) for Earnings, (L) for Liquidity and (S) for Sensitivity to Market Risk.

OSMOS: Off-site Monitoring and Surveillance System.

Free market: A market economy based on supply and demand with little or no government control.

Retail banking: It is mass-market banking in which individual customers use local branches of larger

commercial banks.

Eurobond: A bond issued in a currency other than the currency of the country or market in which it is

issued.

PPP: Purchasing Power Parity is an economic technique used when attempting to determine the relative

values of two currencies.

FEMA Act: Foreign Exchange Management Act, it is useful in controlling HAWALA.

Hawala transaction: It’s a process in which large amount of black money is converted into white.

Teaser Loans: It is a type of home loans in which the interest rate is initially low and then grows higher.

Teaser loans are also called terraced loans.

ECB: External Commercial Borrowings, taking a loan from another country. Limit of ECB is $500 million, and

this is the maximum limit a company can get.

CBS: Core Banking Solution. All the banks are connected through internet, meaning we can have

transactions from any bank and anywhere. (e.g. deposit cash in PNB, Delhi branch and withdraw cash from

PNB, Gujarat)

CRAR: For RRB’s it is more than 9% (funds allotted 500 cr) and for commercial banks it is greater than 8%

(6000 cr relief package).

NBFCs: NBFC is a company which is registered under Companies Act, 1956 and whose main function is to

provide loans. NBFC cannot accept deposit or issue demand draft like other commercial banks. NBFCs

registered with RBI have been classified as AssetFinance Company (AFC), Investment Company (IC) and

Loan Company (LC).

IIFCL: India Infrastructure Finance Company Limited. It gives guarantee to infra bonds.

IFPRI: International Food Policy Research Institute. It identifies and analyses policies for meeting the food

needs of the developing world.

Currency swap: It is a foreign-exchange agreement between two parties to exchange aspects (namely the

principal and/or interest payments) of a loan in one currency for equivalent aspects of an equal in net

present value loan in another currency. Currency swap is an instrument to manage cash flows in different

currency.

WPI: Wholesale Price Index is an index of the prices paid by retail stores for the products they ultimately

resell to consumers. New series is 2004 2005. (The new series has been prepared by shifting the base year

from 1993-94 to 2004-05). Inflation in India is measured on WPI index.

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MAT: Minimum Alternate Tax is the minimum tax to be paid by a company even though the company is

not making any profit.

Future trading: It’s a future contract/agreement between the buyers and sellers to buy and sell the

underlying assets in the future at a predetermined price.

Reverse mortgage: It’s a scheme for senior citizens.

Basel 2nd norms: BCBS has kept some restrictions on bank for the maintenance of minimum capital with

them to ensure level playing field. Basel II has got three pillars:

Pillar 1- Minimum capital requirement based on the risk profile of bank.

Pillar 2- Supervisory review of banks by RBI if they go for internal ranking.

Pillar 3- Market discipline.

Microfinance institutions: Those institutions that provide financial services to low-income clients.

Microfinance is a broad category of services, which includes microcredit. Microcredit is provision of credit

services to poor clients.

NPCI: National Payments Corporation of India.

DWBIS: Data Warehousing and Business Intelligence System, a type of system which is launched by SEBI.

The primary objective of DWBIS is to enhance the capability of the investigation and surveillance functions

of SEBI.

TRIPS: Trade Related Intellectual Property Rights is an international agreement administered by the World

Trade Organisation (WTO) that sets down minimum standards for many forms of intellectual property (IP)

regulation as applied to nationals of other WTO Members.

TRIMs: Trade Related Investment Measures. A type of agreement in WTO.

SDR: Special Drawing Rights, SDR is a type of monetary reserve currency, created by the International

Monetary Fund. SDR can be defined as a “basket of national currencies”. These national currencies are

Euro, US dollar, British pound and Japanese yen. Special Drawing Rights can be used to settle trade

balances between countries and to repay the IMF. American dollar gets highest weightage.

LTD: Loan-To-Deposit Ratio. A ratio used for assessing a bank’s liquidity by dividing the bank’s total loans

by its total deposits. If the ratio is too high, it means that banks might not have enough liquidity to cover

any fund requirements, and if the ratio is too low, banks may not be earning as much as they could be.

CAD: Current Account Deficit. It means when a country’s total imports of goods, services and transfers is

greater than the country’s total export of goods, services and transfers.

LERMS: Liberalized Exchange Rate Management System.

FRP: Fair and Remunerative Price, a term related to sugarcane. FRP is the minimum price that a sugarcane

farmer is legally guaranteed. However sugar Mills Company gives more than FRP price.

STCI: Securities Trading Corporation of India Limited was promoted by the Reserve Bank of India (RBI) in

1994 along with Public Sector Banks and All India Financial Institutions with the objective of developing an

active, deep and vibrant secondary debt market.

IRR: Internal Rate of Return. It is a rate of return used in capital budgeting to measure and compare the

profitability of investments.

CMIE: Centre for Monitoring Indian Economy. It is India’s premier economic research organisation. It

provides information solutions in the form of databases and research reports. CMIE has built the largest

database on the Indian economy and companies.

TIEA: Tax Information Exchange Agreement. TIEA allows countries to check tax evasion and money

laundering. Recently India has signed TIEA with Cayman Islands.

Contingency Fund: It’s a fund for emergencies or unexpected outflows, mainly economic crises. A type of

reserve fund which is used to handle unexpected debts that are outside the range of the usual operating

budget.

FII: Foreign Institutional Investment. The term is used most commonly in India to refer to outside

companies investing in the financial markets of India. International institutional investors must register

with the Securities and Exchange Board of India to participate in the market.

P-NOTES: “P” means participatory notes.

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MSF: Marginal Standing Facility. Under this scheme, banks will be able to borrow upto 1% of their

respective net demand and time liabilities. The rate of interest on the amount accessed from this facility

will be 100 basis points (i.e. 1%) above the repo rate. This scheme is likely to reduce volatility in the

overnight rates and improve monetary transmission.

FIU: Financial Intelligence Unit set by the Government of India on 18 November 2004 as the central

national agency responsible for receiving, processing, analysing and disseminating information relating to

suspect financial transactions.

ASBA: Application Supported by Blocked Amount. It is a process developed by the SEBI for applying to IPO.

In ASBA, an IPO applicant’s account doesn’t get debited until shares are allotted to him.

DEPB Scheme: Duty Entitlement Pass Book. It is a scheme which is offered by the Indian government to

encourage exports from the country. DEPB means Duty Entitlement Pass Book to neutralise the incidence

of basic and special customs duty on import content of export product.

LLP: Limited Liability Partnership, is a partnership in which some or all partners (depending on the

jurisdiction) have limited liability.

Balance sheet: A financial statement that summarises a company’s assets, liabilities and shareholders’

equity at a specific point in time.

TAN: Tax Account Number, is a unique 10-digit alphanumeric code allotted by the Income Tax Department

to all those persons who are required to deduct tax at the source of income.

PAN: Permanent Account Number, as per section 139A of the Act obtaining PAN is a must for the following

persons:-

1. Any person whose total income or the total income of any other person in respect of which he is

assessable under the Act exceeds the maximum amount which is not chargeable to tax.

2. Any person who is carrying on any business or profession whose total sales, turnover or gross receipts

are or are likely to exceed Rs. 5 lakh in any previous year.

3. Any person who is required to furnish a return of income under section 139(4) of the Act.

JLG: Joint Liability Group, when two or more persons are both responsible for a debt, claim or judgment.

REER: Real Effective Exchange Rate.

NEER: Nominal Effective Exchange Rate.

Contingent Liability: A liability that a company may have to pay, but only if a certain future event occurs.

IRR: Internal Rate of Return, is a rate of return used in capital budgeting to measure and compare the

profitability of investments.

MICR: Magnetic Ink Character Recognition. A 9-digit code which actually shows whether the cheque is real

or fake.

UTR Number: Unique Transaction Reference number. A unique number which is generated for every

transaction in RTGS system. UTR is a 16-digit alphanumeric code. The first 4 digits are a bank code in

alphabets, the 5th one is the message code, the 6th and 7th mention the year, the 8th to 10th mentions

the date and the last 6 digits mention the day’s serial number of the message.

RRBs: Regional Rural Banks. As its name signifies, RRBs are specially meant for rural areas, capital share

being 50% by the central government, 15% by the state government and 35% by the scheduled bank.

MFI: Micro Finance Institutions. Micro Finance means providing credit/loan (micro credit) to the weaker

sections of the society. A microfinance institution (MFI) is an organisation that provides financial services

to the poor.

PRIME LENDING RATE: PLR is the rate at which commercial banks give loans to its prime customers (most

creditworthy customers).

BASE RATE: A minimum rate that a bank is allowed to charge from the customer. Base rate differs from

bank to bank. It is actually a minimum rate below which the bank cannot give loan to any customer. Earlier

base rate was known as BPLR (Base Prime Lending Rate).

EMI: Equated Monthly Instalment. It is nothing but a repayment of the loan taken. A loan could be a home

loan, car loan or personal loan. The monthly payment is in the form of post dated cheques drawn in favour

of the lender. EMI is directly proportional to the loan taken and inversely proportional to time period. That

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is, if the loan amount increases the EMI amount also increases and if the time period increases the EMI

amount decreases.

Basis points (bps): A basis point is a unit equal to 1/100th of a percentage point. i.e. 1 bps = 0.01%. Basis

points are often used to measure changes in or differences between yields on fixed income securities,

since these often change by very small amounts.

Liquidity: It refers to how quickly and cheaply an asset can be converted into cash. Money (in the form of

cash) is the most liquid asset.

Certificate of Deposit (CD) is a negotiable money market instrument and issued in dematerialised form for

funds deposited at a bank or other eligible financial institution for a specified time period.

Commercial Paper (CP) is an unsecured money market instrument issued in the form of a promissory note.

It was introduced in India in 1990. Corporate and the All-India Financial Institutions are eligible to issue CP

� STATIC GK AGRICULTURAL REVOLUTIONS & FATHERS

Protein revoultion --higher productivity(Techonology driven 2nd green revolution)-----coined by -- Modi & Arun jaitely

Green Revolution --Food grains Father of green revolution --"Norman borlang" –USA Father of indian green revolution --"M.S.swaminathan" --INDIA Green revolution "word" COINED by ---" william s.goud" --UK White Revolution or Operation Flood---Milk production -- "VARGHESE KURIEN " Yellow Revolution --Oil Seeds production--" Sam Pitroda Black Revolution --Petroleum Production Blue Revolution --Fish Production---"DR.ARUN KRISHNAN". Brown Revolution --Leather/non-conventional(India)/Cocoa production Golden Fiber Revolution --Jute Production Golden Revolution --Fruits/Horticulture development/Honey Production--"NIRPAKH TUTEJ" Grey Revolution --Fertilizer Pink Revolution --Onion production/Pharmaceutical (India)/Prawn production--"DURGESH

PATEL" FATHER OF INDUCED BREEDING--"PROF.HIRLAL CHAUDRI" Red Revolution --Meat & Tomato Production--"VISHAL TEWARI"

Round Revolution ---Potato Silver Fiber Revolution –Cotton Silver Revolution --Egg/Poultry Production --"INDIRA GANDHI" Evergreen Revolution --Overall development of Agriculture--Started in 11th plan (2007-2012) Father of Telecom revolution -- sampitroda Father of poultry revolution --B.V.RAO

Productions of crops in india highest as per states

→ Andhra Pradesh-- vegetable oil production, shrimp

→ Arunachal Pradesh--shifting cultivation, fruits

→ Assam- Tea, silk

→ Bihar--potato

→ Chhattisgarh--paddy ( Rice bowl of central india)

→ Delhi--wheat

→ Goa--cashewnuts

→ Gujarat-- cotton ,sugar

→ Haryana--Wheat and rice

→ Himachal Pradesh-- fruit & vegetables

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→ Jammu and Kashmir--apples, cardamom

→ Jharkhand--Lac Production

→ Karnataka--coffee(chitmanglore), silk

→ Kerala-- spices, rubber, ginger

→ Madhya Pradesh--pulses , oil seeds

→ Maharashtra-- cotton ,sugarcane

→ Manipur--Horticulture,jute

→ Meghalaya-- ginger

→ Mizoram--Maize

→ Nagaland--Oilseeds,rice

→ Odisha--Coarse cereals,jute

→ Puducherry--coconut cultivation

→ Punjab-- wheat , cotton , sugar,millet

→ Rajasthan--Coarse Cereal,pulses

→ Sikkim--maize, millet, wheat, barley, oranges, tea and cardamom

→ Tamil Nadu--Flowers ,rice , horticulture

→ Telangana-- fruits ,cotton, sugarcane, mango and tobacco

→ Tripura--potato, sugarcane, mesta, pulses and jute

→ Uttar Pradesh--rice ,wheat ,maize , potatoe, oilseeds

→ Uttarakhand--Basmati rice, wheat soybeans, groundnuts

→ West Bengal--jute ,Rice, potato

SOME FAMOUS COMPANIES 1. Airbus- france (Aircraft Manufacturer) 2. Posco- south korea (Steel company) 3. Boeing- usa (Aircraft) 4. Fiat--Itly (Automobiles) 5. Nissan- Japan (Automobiles) 6. Toyta--Japan (Automobiles) 7. Honda-- Japan (Automobiles) 8. BMW- Germany(Automobiles) 9. Audi--Germany (Automobiles) 10. Volkswagon-- Germany(Automobiles) 11. Hyundai-- South korea(Automobiles) 12. ford-- USA(Automobiles) 13. Suzaki-- Japan(Automobiles) 14. Renault-- France(Automobiles) 15. Volvo-- Sweedon(Automobiles) 16. Ashoka Leyland-- India 17. Samsung-- South korea( Electronics and electrical) 18. Hitachi--- Japan ( Electrical Appliances) 19. LG --- South Korea( Electronics and electrical) 20. Whirlpool-- USA ( Electrical Appliances) 21. Ericssion--- Swedon (Telecom) 22. Nokia-- Finland (Telecom) 23. Motorola--USA (Telecom) 24. Vodaphone-- Uk,Britain (Telecom) 25. Barclays Bank-- UK (Finance) 26. Deutsche Bank-- Germany(Finance) 27. Goldman Sachs--USA (Finance) 28. Accenture-- Ireland (IT) 29. Infosys--India (IT) 30. TCS-- India (IT)

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31. WIPRO-- India (IT) 32. Apple-- USA (Electronic Appliances) 33. Google- USA (IT Services) 34. Yahoo-- USA (IT Services) 35. Sony-- Japan (Electronic Appliances) 36. Intel-- USA (Hardware)

SECC 2011 is unique paperless census

→ The last caste that happen in India is 1932

→ Total households in the country -- 24.39 crore

→ The total households in villages -- 17.91 crore

→ Households are considered as deprived in rural area -- 10.69 crore

→ villages belong to SC/ST categories -- 21.53% or 3.86 crore

→ Highest number of SC population -- Punjab (36.74%)

→ Highest number of ST population --Mizoram(98.79)

→ Highest mobile penetration state in rural areas—UttaraPradesh

→ Lowest mobile Penetration state in rural areas—Chattisgarh

→ How many rural household earn below 5000 rupees month--13.34 cr

→ Many rural household earn 10000 and more--1.48 cr

→ State has highest number of manual scavenger –Tripura

→ State has zero manual scavenger –Delhi

→ Rural households in the country pay income tax--4.58%

→ Households in rural areas are landless -- 5.37 crore or 29.97%

→ State landness household is higher – Kerala

→ States with the lowest rates of landlessness -- J &K and Himachal Pradesh

→ Families in villages that live in one room with ‘kaccha’ walls and roof - 2.37 crore or 13.25%

→ House holds in rural areas has land line phone -- 17.85 lak or 1%

→ House hold having mobile phone in village--12.24 cr or 68.35%

→ illiterate number of people in rural areas--3.1 cr or 17.31%

→ rural household having refrigerator --1.97 cr or 11.04%

→ Rural household paying income tax in india-- 6%

→ Rural people have considered deprived or poor--8.96 cr

→ No adult member in household between age 18 and 59 in rural areas --65.15 lac or 3.64%

→ Female headed house with no adult male between 16 and 59 in rural areas --- 68.96 lac or 3.85%

→ Member with no other able bodied adult member ----7.16 lac or 040%

→ Households with no literate adult above age 25 years in areas -- 4.21cr or 23.52%

→ Rural household with one salaried member -- 2.50 cr

→ Average size of a rural Indian household -- 4.93

→ Highest size of a rural Indian household -6.28 –UttarPradesh

→ Lowest size of a rural Indian household --3.86 –Andhrapradesh

→ How many percent of trans gender in rural population -- 0.1%

→ Highest rural illiterate –Rajasthan

→ Lowest rural illiterate –Kerala

→ The percentage of Scheduled Caste (SC) households paying income tax -3.49%

→ Scheduled Tribe (ST) tax-paying rural households --3.34%

→ Manual casual labour in rural areas-9.16 cr

→ Cultivation in rural areas--5.39cr

(Religion)Census 2011

Total Population in 2011 is 121.09 crores

→ Hindu 96.63 crores (79.8%)

→ Muslim 17.22 crores (14.2%)

→ Christian 2.78 crores (2.3%)

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→ Sikh 2.08 crores (1.7%)

→ Buddhist 0.84 crores (0.7%)

→ Jain 0.45 crores (0.4%),

→ Other Religions & Persuasions (ORP) 0.79 crores (0.7%)

→ Religion Not Stated 0.29 crores (0.2%).

POPULATION CENSUS -2011

→ It has been conducted every 10 years, beginning in 1871.

→ Census 2011 were released in New Delhi on 31st March 2011

→ Union Home Secretary GK Pillai and RGI C Chandramouli.

→ Census 2011 was the 15th census of india & 7th census after Independece

→ The motto of census 2011 was “Our Census, Our future”.

→ Total estimated cost of the Census was INR2200 crore (US$350 million).

→ First census in 1872.

→ Present Registrar General & Census Commissioner – C.Chandra Mouli

→ Total Population – 1,210,569,573 (1.21 Billion)

→ India in 2nd rank in population with 17.64%. decadal growth & China is 1st rank with decadal growth 19% (over 1.35 billion)

→ World Population is 7 Billions

→ Increase in population during 2001 – 2011 is 181 Million

→ Population – 1210.19 million [Males – 623.7 million (51.54%) Females – 586.46 million (48.46%) Top Populous of the Country

1. Uttar Pradesh--19, 98, 12,341 2. Maharashtra--11, 23, 74, 33 3. Bihar--10, 40, 99,452 4. West Bengal--9, 12, 76,115 5. Andhra Pradesh--8, 45, 80,777

Least Populous of the Country 1. Lakshadweep 64,473 2. Daman and Diu 2,43,247 3. Dadra and Nagar Haveli 3,43,709 4. Andaman and Nicobar Islands 3,80,581 5. Sikkim 6,10,577

Population Highlight � Highest Populous UT-Delhi � Least Populous UT-Lakshadweep � Highest Populous state --Uttar Pradesh � Least populous state--Sikkim � Highest urban Population in india (state& UT)--Maharashtra – 4,11,00,980 � Lowest urban Population in india (state& UT)--Lakshadweep – 26,967 � Highest Rular Population in india (state& UT)--Uttar Pradesh – 13,16,58,339 � Lowest Rular Population in india (state& UT)--Lakshadweep – 33,683 � Sex Ratio (Females per 1000 Males) Sex ratio in India--943 � Highest sex ratio in state--Kerala (1084) � Lowest sex ratio in state--Haryana (879) � Highest sex ratio in UT--Pondicherry (1037) � Lowest sex ratio in UT--Daman and Diu (618) � Child (0-6 years) sex ratio--914 � Highest child (0-6) sex ratio in state--Mizoram (971) � Lowest child (0-6) sex ratio in state--Haryana (830) � Total Person Literacy Rate--74% � Males--82.14%

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� Females--65.46% � Highest Literacy Rate in State--Kerala (94%) � Lowest Literacy Rate in State--Bihar (61.8%) � Hightest Literacy Rate in UT--Lakshadweep (91%) � Lowest Literacy Rate in UT--Dadra and Nagar Haveli (76.24%)

IMPORTANT ARTICLES OF INDIAN CONSTITUTION:

→ Article 1 - Name and Territory of the Union.

→ Article 14 - Relates to Right to Equality

→ Article 17 - Abolishes the practice of untouchability

→ Article 18 - Prohibits the state from conferring any title.

→ Article 19 - Deals with six freedoms of Indian citizens namely,

→ freedom of speech and expression

→ (d) freedom of movement throughout the territory of India

→ (e) freedom of residence and settlement in any part of India

→ (d) Freedom of occupation.

→ Article 21 - Provides protection to life and liberty to all persons

→ Article 21A - Right to elementary education.

→ Article 22 - Affords protection against arbitrary arrest & detention

→ Article 23 - Prohibits the traffic in human beings and beggars. (making a person work without wages or

adequate compensation)

→ Article 24 - Prohibits the employment of children below 14 years.

→ Articles 25-28 - Relates to Right to freedom of religion

→ Article 32 - Right to Constitutional Remedies described as ‘‘The heart and soul of the Constitution’’ by Dr. B.R.

Ambedkar

→ Article 36-51 -Relates to Directive Principles of State Policy.

→ Article 39A - Free legal aid

→ Article 40 - Deals with the formation of Panchayats

→ Article 44 - Uniform Civil Code for the Citizens.

→ Article 45 - Free and compulsory education to all children below 14 years of age.

→ Article 50 - Separation of Judiciary

→ Article 51 - Promotion of International peace & security

→ Article 51(A) - Relates to list of Fundamental Duties

→ Article 74 - Council of Ministers to aid and advice the President

→ Article 110 - Definition of Money Bills.

→ Article 112 - Annual Financial Statement (Budget)

→ Article 123 - Power of President to promulgate ordinances during recess of Parliament.

→ Article 262 - Adjudication of disputes relating to waters of Inter -state rivers or river valleys.

→ Article 312 - All India Services

→ Article 315 - Public Service Commissions for the Union and for the states.

→ Article 324 - Relates to the Election Commission

→ Article 352 - Gives provision regarding emergencies

→ Article 356 - Proclamation of President’s Rule in the states.

→ Article 368 - Amendment of the Constitution by the Parliament

→ Article 370 - Special status to Jammu and Kashmir

Commission in India & Chairman

∅ Finance Commission--Y.V.Reddy

∅ Atomic Energy Commission—Sekhar basu

∅ Election commission --Syed Nasim Ahmad Zaidi

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∅ Law Commission-- Ajit Prakash Shah

∅ Competition Commission--Ashok Chawla

∅ National Commission for Women--Lalitha Kumaramangalam

∅ National Human rights commission -- Cyriac Joseph

∅ National Commission for SC--P. L. Punia

∅ National Commission for ST--Rameshwar Oraon

∅ Union Public Service Commission--Deepak Gupta

∅ National Knowledge Commission--Sam Pitroda

∅ University Grants Commission--Ved Prakash

∅ Central Water Commission of --Ashwin B. Pandya

∅ 7th Pay Commission--Ashok Kumar Mathur

IMPORTANT HYDROPOWER DAMS

ANDHRAPRADESH

1. Nizam Sagar Dam-Manjira River-Andhra Pradesh

2. Prakasam Barrage-Krishna River-Andhra Pradesh

3. Srisailam Dam-Krishna River-Andhra Pradesh

GUJRAT

1. Ukai Dam-Gujarat

2. Dharoi Dam-Banas River-Gujarat

3. Dantiwada Dam-Sabarmati River-Gujarat

HIMACHAL PRADESH

1. Pandoh Dam-Beas River-Himachal Pradesh

2. Bhakra Nangal Dam-Sutlej River-Himachal Pradesh

3. Nathpa Dam-Sutlej River-Himachal Pradesh

4. Gobind Sagar, Reservoir-Sutlej River-Himachal Pradesh

5. Maharana Pratap Sagar Reservoir-Himachal Pradesh

JAMMU & KASHMIR

1. Salal Project-Chenab River-Jammu & Kashmir

2. Chutak Hydroelectric Project-Jammu & Kashmir

3. Dumkhar Hydroelectric Dam-Indus River-Jammu & Kashmir

4. Uri Hydroelectric Dam-Jhelum River-Jammu & Kashmir

JHARKHAND

1. Maithon Dam-Barakar Rive-Jharkhand

2. Chandil Dam-Subarnarekha River-Jharkhand

3. Panchet Dam-Damodar River-Jharkhand

KARNATAKA

1. Tunga Bhadra Dam-Tungabhadra River and Krishna River-Karnataka

2. Linganamakki dam-Sharavathi River-Karnataka

3. Alamatti Dam-Krishna River-Karnataka

4. Harangi Dam-Cauvery River-Karnataka

5. Ghataprabha Reservoir-Ghataprabha River-Karnataka

KERALA

1. Banasura Sagar Dam-Chalakudy River-Kerala

2. Malampuzha Dam-Malampuzha River-Kerala

3. Idukki Dam-Periyar River-Kerala

4. Mullaperiyar Dam-Pennar River-Kerala

5. Neyyar Dam-Pennar River-Kerala.

MADHYA PRDESH

1. Barna Dam-Barna River-Madhya Pradesh

2. Indirasagar Project-Narmada River-Madhya Pradesh

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3. Narmada Dam Project-Narmada River-Madhya Pradesh

4. Gandhi Sagar Dam-Chambal River-Madhya Pradesh

5. Tawa Reservoir-Tawa River-Madhya Pradesh

MAHARASTRA

1. Koyna Dam-Koyna River-Maharashtra

2. Bhatsa Dam-Bhatsa and Chorna rivers-Maharashtra

3. Wilson Dam-Pravara River-Maharashtra

4. Girna Dam-Girna and Godavari River-Maharashtra

5. Radhanagari Dam-Bhogawati River-Maharashtra

ODSIHA

1. Jalaput Dam-Orissa

2. Balimela Reservoir-Sileru River-Orissa

3. Indravati Dam-Indravati River-Orissa

4. Hirakud Dam-Mahanadi River-Orissa

RAJASTHAN__MBisalpur dam-banas river--RAJASTHAN

TAMILNADU

1. Vaigai Dam-Vaigai River-Tamil Nadu

2. Krishnagiri Reservoir-Tamil Nadu

3. Pechiparai Reservoir-River Kodayar-Tamil Nadu

4. Vidur Reservoir-Tamil Nadu

5. Perunchani Dam-Paralayar River-Tamil Nadu

6. Periyar Reservoir-Periyar River-Tamil Nadu

7. Stanley Reservoir-Kaveri River-Tamil Nadu

8. Mettur Dam-Kaveri River-Tamil Nadu

9. Bhavanisagar Reservoir-Bhavani River-Tamil Nadu

10. Parambikulam Reservoir-Parambikulam River-Tamil Nadu

UTTARPRADESH_

1. Parichha Dam-Betwa River-Uttar Pradesh

2. Rihand Project-Rihand River and Son River-Uttar Pradesh

3. Govind Ballabh Pant Sagar Dam-Rihand River-Uttar Pradesh

4. Tehri Dam-Bhagirathi River-Uttrakhand

NATIONAL PARKS IN INDIA

1. Balphakram National Park -Meghalaya

2. Bandipur National Park - Karnataka

3. Kudremukh National Park Karnataka

4. Bannerghatta National Park --Karnataka

5. Betla National Park Jharkhand

6. Bhitarkanika National Park Odisha

7. Blackbuck National Park Gujarat

8. Buxa Tiger Reserve West Bengal

9. Campbell Bay National Park Andaman and Nicobar Islands

10. Chandoli National Park Maharashtra

11. Dachigam National Park Jammu and Kashmir

12. Desert National Park Rajasthan

13. Dudhwa National Park Uttar Pradesh

14. Eravikulam National Park Kerala

15. Galathea National Park Andaman and Nicobar Islands

16. Gir Forest National Park Gujarat

17. Great Himalayan National Park Himachal Pradesh

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18. Guindy National Park Tamil Nadu

19. Gulf of Mannar National Park Tamil Nadu

20. Harike Wetland Punjab

21. Hazaribagh National Park Jharkhand

22. Jaldapara National Park West Bengal

23. Jim Corbett National Park Uttarakhand

24. Kanha National Park Madhya Pradesh

25. Kanger Ghati National Park Chhattisgarh

26. Kasu bramanda Reddy National Park Telangana

27. Kaziranga National Park Assam

28. Keibul Lamjao National Park Manipur

29. Keoladeo National Park Rajasthan

30. Khangchendzonga Park Sikkim

31. Kishtwar National Park Jammu and Kashmir

32. Madhav National Park Madhya Pradesh

33. Mahatma National Park Andaman and Nicobar Islands

34. Manas National Park Assam

35. Mandla Fossils National Park Madhya Pradesh

36. Marine Gulf of Kutch park Gujarat

37. Mount Abu Wildlife Sanctuary Rajasthan

38. Mrugavani National Park Telangana

39. Mudumalai National Park Tamil Nadu

40. Namdapha National Park Arunachal Pradesh

41. Nameri National Park Assam

42. Nanda Devi National Park Uttarakhand

43. Nandankanan Zoological Park Odisha

44. Navegaon National Park Maharashtra

45. Neora Valley National Park West Bengal

46. Palani Hills National Park Tamil Nadu

47. Pench National Park Madhya Pradesh

48. Periyar National Park Kerala

49. Blue Mountain National Park Mizoram

50. Pin Valley National Park Himachal Pradesh

51. Rajaji National Park Uttarakhand

52. Ranthambore National Park Rajasthan

53. Saddle Peak National Park Andaman and Nicobar Islands

54. Salim Ali National Park Jammu and Kashmir

55. Sariska Tiger Reserve Rajasthan

56. Satpura National Park Madhya Pradesh

57. Silent Valley National Park Kerala

58. Simlipal National Park Odisha

59. Singalila National Park West Bengal

60. South Button National Park Andaman and Nicobar Islands

61. Sri Venkateswara Park Andhra Pradesh

62. Sultanpur National Park Haryana

63. Sundarbans National Park West Bengal

64. Valley of Flowers National Park Uttarakhand

65. Valmiki National Park Bihar

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ATOMIC POWER PLANTS 1. Kaiga atomic power plant---karnataka 2. Kakrapar atomic power plant---Gujarat 3. Madras atomic power plant—Tamil Nadu 4. Narora atomic power plant---Uttar Pradesh. 5. Rajasthan atomic power plant—Rajasthan 6. Tarapur atomic power plant----Maharashtra 7. Kundankulam atomic power plant—Tamil Nadu 8. Gorakhpur atomic power plant---- Haryana 9. Chutka atomic power plant---Madhya Pradesh 10. Mahi Banswara atomic power plant---Rajasthan 11. Kaiga atomic power plant----Karnataka 12. Kovvada atomic power plant---Andhra Pradesh 13. Mithi virdhi atomic power plant---Gujarat.

Important Stadiums List

1.Salt Lake Stadium Kolkata, West Bengal 2.Buddh International Circuit Greater Noida, UP 3.Eden Gardens Kolkata, West Bengal 4.Bhim Rao Ambedkar International Sports Stadium Faizabad, Uttar Pradesh 5.Jawaharlal Nehru Stadium Kochi, Kerala 6.M.A.Chidambaram Stadium Chennai, TN 7.Shaheed Veer Narayan Singh International Cricket Stadium Raipur, Chhatishgarh 8.Green Park Stadium(Cricket) Kanpur, UP 9.Dr. Bhupen Hazarika Cricket Stadium Guwahati, 10.Assam Subrata Roy Sahara Stadium Pune, Maharashtra 11.Sardar Patel Stadium Ahmedabad, Gujarat 12.EMS Stadium Kohzikode, Kerala 13.Barabati Stadium Cuttack, Orissa 14.Fatorda Stadium Margao, Goa 15.Wankhede Stadium Mumbai, Maharashtra 16.Feroz Shah Kotla Delhi 17.Kanchenjunga Stadium Siliguri, West Bengal 18.M. Chinnaswamy Stadium Bengaluru, Karnataka 19.JRD Tata Sports Complex Jamshedpur Stadium Gwalior, Madhya Pradesh 20.Khuman Lampak Main Stadium Imphal, Manipur 21.Holkar Stadium Indore, Madhya Pradesh 22.Mangalagiri International Cricket Stadium Vijaywada, Andhra Pradesh 23.Himachal Pradesh Cricket Association Stadium Dharmashala, Himachal Pradesh 24.Sree Kanteerava Stadium Bengaluru, Karnataka 25.Kishore Bharati Krirangan Kolkata, West Bengal 26.Thyagaraj Sports Complex Delhi 27.Birsa Munda Athletics Stadium Ranchi, Jharkhand 28.G. M. C. Balayogi Athletic Stadium Hyderabad, Telengana 29.Sree Kanteerava Stadium Bengaluru, Karnataka 30.Indira Gandhi Athletic Stadium Guwahati, Assam 31.Hawla Indoor Stadium Aizawl, Mizoram 32.Barkatullah Khan Stadium Jodhpur, Rajasthan 33.Guindy Race Course Chennai, Tamil Nadu 34.Mahalaxmi Racecourse Mumbai, Maharashtra 35.MGR Race Course Stadium Madurai, Tamil Nadu 36.Sector 42 Stadium Chandigarh, Punjab 37.Dhyan Chand National Stadium Delhi Dhyan

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Chand Astroturf Stadium Lucknow, Uttar Pradesh 38.Mayor Radhakrishnan Stadium Chennai—Tamil Nadu 39.Dadaji Kondadev Stadium Thane--Maharashtra 40.Jawaharlal Nehru Indoor Stadium Cuttack-Odisha 41.Dr Shyama Prasad Mukherjee Indoor Stadium Taleigao, Goa

Cricket Stadiums

• Eden Gardens – Kolkata

• Nehru Stadium – Indore / Pune

• Brerbon Stadium – Mumbai

• Roop Singh Stadium – Gwalior

• Wankhede Stadium – Mumbai

• Baramati stadium – Cuttack

• Jawaharlal Nehru Stadium – New Delhi (First Green Stadium)

• Mohinul Haq Stadium – Patna

• Lal Bahadur Shastri Stadium – Hyderabad

• Ferozeshah Kotla Stadium – New Delhi

• Chinnaswamy Stadium – Bangalore

• Motera Stadium – Ahmedabad

• Green Stadium – Kanpur

• Sardar Patel Stadium – Ahmedabad

• Gandhi Ground Stadium – Amritsar

• Chepauk Stadium and Chidmberm – Chennai

• Motibag Stadium – Brudra

• K.D. Singh Babu Stadium – Lucknow

IMPORTANT LAKES 1. Wular Lake-- Wular Lake is one of the largest fresh water lakes in Asia and the largest in India, is

located in Jammu and Kashmir 2. Loktak Lake-- Loktak Lake is the largest freshwater lake in northeastern India, located in Manipur. 3. Damdama Lake-- Damdama Lake is one of the biggest natural lakes in Haryana. 4. Dal Lake--The Kashmir valley is blessed with exotic natural beauty of landscape and water bodies,

out of them one of the best is Dal Lake 5. Pichola Lake-- Lake Pichola is an artificial fresh water lake situated in Udaipur city in Rajasthan. 6. Gurudongmar Lake--Gurudongmar Lake is one of the highest lakes in the world. This fresh-water

lake is located northeast of the Kangchenjunga range in Sikkim. 7. Chilka Lake--Chilka Lake is the brackish water lake and is the largest coastal lake in India. The

Chilka Lake in situated in Orissa and is Asia’s largest inland salt-water lagoon. 8. Vembanad Lake--Vembanad Lake is India’s longest lake and is the largest lakes in the beautiful state

land of God, Kerala 9. Bhimtal Lake-- The pride of Bhimtal is a beautiful lake which offers magnificent vistas for tourists.

The lake is larger than Nainital lake, uttarnachal 10. Upper lake--Upper lake is the largest artificial lake in Asia, situated in “City of Lakes” called

Bhopal, Madhya Pradesh 11. Kolleru Lake and Pulicat Lake --are two major lakes for number of migratory birds in India-AP

SOBRIQUETS --PLACES 1. Asia paris -- lahore , pakistan 2. Africa in Miniature --Cameroon 3. Bengal sarrow -- river damodar , wetbengal , india 4. Blue mountains -- nilagiri hills , india 5. Britain of the East - Japan 6. Britain of the South - New Zealand 7. Battle field of Europe - Belgium 8. Backbone of england -- pennine mountians 9. Back bone of italy -- apenninine mountians

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10. Big apple -- newyork 11. City of Cycles - Beijing 12. City of Eternal Springs - Quito (Ecuador) 13. City of Sky Scrappers - New York (USA) 14. City of Magnificent Distances - Washinton DC 15. City of Golden Gate - San Francisco (USA) 16. City of Seven Hills - Rome (Italy) 17. Cockpit of Europe - Belgium 18. Concentration Camp of Africa --Equatorial Guinea 19. Copper Country - Zambia 20. City of factories -- Knapur (U.P) 21. City of festivals -- Madurai , tamil nadu 22. City of dreaming spires -- Oxford , england 23. City of golden temple --amritsar , india 24. City of magnificent distance s-- chennai 25. City of palaces -- kolkatta , india 26. cock pit of europe -- belguim 27. City of pope -- rome 28. City of seven islands -- mumbai 29. City of snow -- canada 30. City of arbian nights -- baghdad, iraq 31. City of motor cars -- detroit , michigan (usa) 32. The City that Never Sleeps -- Cairo 33. City of roses -- chandigarh 34. City of smoke -- osaka , japan 35. City of steel in india -- jamshedpur 36. City of temples -- varanasi 37. Costliest coast -- coast rica 38. Coffee port of the world -- shantos ( brazil) 39. Dark continent -- Africa 40. Dead Heart of Africa --Chad 41. Dairy of northern europe -- denmark 42. Evergreen forest -- western ghats 43. Eighth Continent--Madagascar 44. Emerland island -- ireland 45. Empire city -- newyork 46. Eternal city -- rome 47. Eye of greece -- athens 48. Electronic city of india -- banglore 49. Forbidden city -- lhasa (tibet) 50. Friendly island -- tonga 51. Front door of australia -- darwin 52. Garden city of england - kent (england) 53. Garden city of world -- chicago , usa 54. Garden city of india -- banglore 55. Garden of europe -- italy 56. Garden of south india -- thanjavur 57. Garden of gods --colorado (USA) 58. Gate way of india -- mumbai 59. Garden provice of south africa -- natal 60. Gateway of tears -- jerusalem 61. George cross island -- malta 62. Grnaite city -- aberdeen (scotland)

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63. Great white way -- broadway ( newyork) 64. Granery of india --punjab 65. Gift of the Nile --Egypt 66. Granery of south india --andhrpradesh 67. Granery of tamilnadu --tanjavuur 68. Granery of kerala -- palakkad 69. Gribraltar of the indian ocean -- aden 70. Golden state -- california , usa 71. Golden city -- johannesburg , south africa 72. Golden penisula -- thailand 73. Hermit kingdom -- korea 74. Herring pond --atlantic ocean 75. Horn of africa -- somalia 76. Holy city -- jerusalem

FESTIVALS OF INDIAN STATES

• Andhrapradesh--Dasara Festival,Gangamma Jatara,Gowri Habba,Ugadi,Vaikunta Ekadashi

• Assam--Ali Ai Ligang,Ambubachi Mela,Baresahariya Bhaona,Bathow puja,Bihu,Bohag Bihu,Bihuwa

dance,Brahmaputra Beach Festival,Bwisagu,Dehing Patkai festival,Jonbeel mela,Kaziranga Elephant

Festival,Magh Bihu,Porag,Rongker

• Arunachal Pradesh--Siang River festival,Ziro,Solung,Nyokum,Lossar,Dree,Boori

Boot,Loku,Sanken,Reh,Myoko,Budhha Mahotsava,Choekhor,Tamladu,Mopin

• Bihar--Chhath,Jivitputrika,Patliputra natya Mahotsav,Patna Sahib Mahotsav,Rajgir Mahostav,Sama

Chakeva

• Chandigarh --Baisakhi,Festival of gardens,Teej

• Chhattisgarh--Bastar Dussehra,Bastar Lokotsav,Dadaria,Gaur Maria Dance,Madai ,Rajim Kumbh

• Goa--Shigmo,Bonderam,San joao,Panjim/Margao

• Gujarat--International Kite festival,Modhera,Kutch Mahotsava,Bhavnath Mahadev fair

Saptak,Shamlaji,TarnetarVautha,Madhavrai

• Haryana--Lohri,Basant Panchami,Gangore,Baisakhi,Teej,Nirjala Akadashi,Guggapir

• Himachal Pradesh--Dham,Kullu Dussehra,Mandi Shivaratri ,Sati pradha

• Jammu and Kashmir--Hemis,Lohri,Vaishno devi

• Jharkhand--Karma,Sohari,Sarhul,Chhath puja,Jityya Bhaiya Dooj

• Karnataka,Karaga,Dakkebali,Gowri Habba,Kanakadasa Jayanthi,Madikeri Dasara

Mahamastakabhisheka,Mailara Jaatre ,Mysore Dasara

• Kerala--Onam,Thiruvathira,Vishu

• MadhyaPradesh--Chethiyagiri vihara,Madai,Bahgoriya,Nimar utsav,Dhrupad samaroh

• Maharashtra--nant chaturdashi,Bhau-beej,Gudi Padwa,Pola,Shayani Ekadashi,Vat purnima

• Mizoram--Chapchar Kut ,Mim Kut ,Pawl Kut

• Nagaland--Horn Bill,Nazu,Sekrenyi,Tuluni,Yemshe,Sankarni,Rengma Ngadah

• Odisha--Chaiti,Dhanu,Kalahandi,Ghantapatua,Jagaddhagtri,Raja praba ,Ratha-yatra(puri),Samba

Dashami

• Punjab--Maghi,Lohri,Basant,Holi,Vaisakhi,Rakhri,Teeyan

• Rajasthan---Baneshwar,Gangaur,Pushkar,Teej,Urs

• Sikkim--Saga Dawa,Lossong,Losar,Dasain,Tihar,Gutor cham

• Tamil Nadu--Brihadeeswara Temple car festival,Jangura Habba Erwadi Santhanakkodu,Mattu

pongal,Panguni Uthiram,Thaiusam,Thimithi

• Telangana--Bathukamma,Bonalu,Sammakka Saarakka Jaathara,Peerla panduga

• Tripura--Ker,Garia Puja

• Uttarakhand--Phool Dei,Harela and bhitauli,Olgia,Khatarua,Bat savitri,Janopunya,Chippla Jaat,Hilijatra

• WestBengal--Bhadu,Haldia Utsav,Jagaddhatri,Poush Mela

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FOLK DANCES

• AndhraPradesh--Kuchipudi(classical),Ghantamardala,Ottam,thedal,Mohioniattam,kummi,Siddhi

madhuri,Chhadi.

• Chhattisgarh--Goudi,Karma,Jhumar,dagla,Pali,Tapali,Navrani.Diwari,Mundari.

• Arunachal Pradesh--Mask Dance,War Dance.

• HimachalPradesh--,Jhali,Chharhi,Dhaman,chhapeli,Mahasu,Nati,Dangi,Chamba,Thali,Jhainta,Daf,

Sti-ck dance.

• Goa--Mandi,Jhagor,Khol,Dakni.

• Assam--Bihu,Bichhua,Natpuja,Maharas,Kaligopal,Bagurumba,naga dance,Khel gopal,Tabal

chongli,canoe,Jhumura Hobjanai.

• West Bengal--kathi,Gambhira,Dhali,Jatra,Baul,marasia,Mahal,Keertan

• Keral--Kathakali(classical),Ottam Thulal,mohini-attam,Kaikottikali,Tappatikali,Kali auttam.

• Meghalaya--laho,baagla.

• Manipur--Manipuri(classical),Rakhal,Nat rash,Maha rash,raukhat.

• Nagaland--Chong,Khaiva,lim,Nuralim

• Orissa--odissi(classical),savari,Ghumara,painka,munari,chhau,chadya dandanata.

• Maharashtra--Lavani,Nakata,koli,Lezim,Gafa,Dahikala,dasavtar or

Bohada,Tamasha,mauni,Powara,Gouricha.

• Karnataka--Yakshagan,Huttari,Suggi,Kunitha,Karga,Lambi.

• Gujarat--Garba,dandiya ras,Tippani juriun,Bhavai.

• Punjab--Bhangra,giddha,Daff,Dhaman.

• Rajasthan--Ghumar,chakri,Ganagor,Jhulan leela,Jhuma,Suisini,Ghapal,Panihari,Ginab

• Mizoram--Khanatm,Pakhupila,Cherokan.

• Jammu&Kashmir--Rauf,hikat,mandjas,kud dandi nach<Damali.

• TamilNadu--Bharatnatyam,kumi,kolattam,kavadi.

• Uttar Pradesh--Nautanki,Raslila,Kajri,Jhora,chappeli,Jaita.

• Bihar--Jata-Jatin,Bakho-Bakhain,Panwariya,Sama-chakwa,Bidesia,Jatra.

• Haryana--Jhumar,Phag,Daph,Dhamal,Loor,Gugga,Khor,Gagor.

• Jharkhand--chhau,sarahul,Jat-jatin,karma,Danga,Bidesia,Sohrai

• Uttarakhand--gadhwali,kumayuni,kajari,Jhora,raslila,chappeli

INTERNATIONAL ORGANISATIONS AND THEIR HEADQUARTERS

• UNO (United Nations Org) = New York

• UNICEF =New York

• UNCTAD (United Nations Conference on Trade & Development) =Geneva

• WHO (World Health Org) =Geneva

• ILO (International Labour Org)= Geneva

• WMO (World Meteorological Org) =Geneva

• World Intellectual Property Org =Geneva

• International Standards Org.= Geneva

• IMF (International Monetary Fund) =Washington DC

• World Bank =Washington DC

• UNESCO (United Nations Educational Scientific and Cultural Org) =Paris

• OECD (Org. for Economic Cooperation and Dev.) =Paris

• UNIDO (United Nations Industrial Dev. Org)= Vienna

• IAEA (International Atomic Energy Agency) =Vienna

• OPEC(Organization of Petroleum Exporting Countries) =Vienna

• Amnesty International London Commonwealth of Nations =London

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• IMO(International Maritime Organization) =London

• ICJ (International Court of Justice) =The Hague

• FAO(Food and Agricultural Organization) =Rome

• NATO(North Atlantic Treaty Organization) =Brussels

• Transparency International= Berlin

• SAARC(South Asian Association for Regional Coop.) =Kathmandu

• ASEAN (Association of South East Asian Nations) =Jakarta

• APEC (Asia Pacific Economic Forum) =Singapore

• Organization of Islamic Cooperation= Jedda

FIRST IN INDIA

The first President of Indian Republic Dr. Rajendra Prasad

The first Prime Minister of free India Pt. Jawahar Lal Nehru

The first Indian to win Nobel Prize Rabindranath Tagore

The first President of Indian National Congress W.C. Banerjee

The first Muslim President of Indian National

Congress Badruddin Tayyabji

The first Muslim President of India Dr. Zakir Hussain

The first British Governor General of India Lord William Bentinck(1833-1835)

The first British Governor General of Bengal Lord Warren Hasting(1774-1885)

The first British Viceroy of India Lord Canning

The first Governor General of free India Lord Mountbatten

The first and the last Indian to be Governor General

of free India C. Rajgopalachari

The first man who introduced printing press in India James Hicky

The first Indian to join the I.C.S Satyendra Nath Tagore

India’s first man in Space Rakesh Sharma

The first Prime Minister of India who resigned

without completing the full term Morarji Desai

The first Indian Commander-in-Chief of India General Cariappa

The first Chief of Army Staff Gen. Maharaj Rajendra Singhji

The first Indian Member of the Viceroy’s executive

council S.P.Sinha

The first President of India who died while in office Dr. Zakhir Hussain

The first Muslim President of Indian Republic Dr. Zakhir Hussain

The first Prime Minister of India who did not face the

Parliament Charan Singh

The first Field Marshal of India S.H.F. Manekshaw

The first Indian to get Nobel Prize in Physics C.V.Raman

The first Indian to receive Bharat Ratna award Dr. Radhakrishnan

The first Indian to cross English Channel Mihir Sen

The first Person to receive Jnanpith award Sri Shankar Kurup

The firs Speaker of the Lok Sabha Ganesh Vasudeva Mavalankar

The first Vice-President of India Dr. Radhakrishnan

The first Education Minister Abdul Kalam Azad

The first Home minister of India Sardar Vallabh Bhai Patel

The first Indian Air Chief Marshal S. Mukherjee

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The first Indian Naval Chief Vice Admiral R.D. Katari

The first Judge of International Court of Justice Dr. Nagendra Singh

The first person to reach Mt. Everest without oxygen Sherpa Anga Dorjee

The first person to get Param Vir Chakra Major Somnath Sharma

The first Chief Election Commissioner Sukumar Sen

The first person to receive Magsaysay Award Acharya Vinoba Bhave

The first person of Indian origin to receive Nobel

Prize in Medicine Hargovind Khurana

The first Chinese traveller to visit India Fahein

The first person to receive Stalin Prize Saifuddin Kitchlu

The first person to resign from the Central Cabinet Shyama Prasad Mukherjee

The first person to receive Nobel Prize in Economics Amartya Sen

The first Chief Justice of Supreme Court Justice Hirala J. Kania

The first Indian Pilot J.R.D. Tata (1929)

The first lady to become Miss World Rita Faria

The first woman judge in Supreme Court Mrs. Meera Sahib Fatima Bibi

The first woman Ambassador Miss C.B. Muthamma

The first woman Governor of a state in free India Mrs Sarojini Naidu

The first woman Speaker of a State Assembly Shanno Devi

The first woman Prime Minister Mrs Indira Gandhi

The first woman Minister in a Government Rajkumari Amrit Kaur

The first woman to climb Mount Everest Bachhendri Pal

The first woman to climb Mount Everest twice Santosh Yadav

The first woman President of Indian National

Congress Mrs Annie Besant

The first woman pilot in Indian Air Force Harita Kaur Dayal

The first woman Graduates Kadambini Ganguly and Chandramukhi

Basu, 1883

The first woman Airline Pilot Durba Banerjee

The first woman Honours Graduate Kamini Roy, 1886

The first woman Olympic medal Winner Karnam Malleswari, 2000

The first woman Asian Games Gold Medal Winner Kamlijit Sandhu

The first woman Lawyer Cornelia Sorabjee

The first woman President of United Nations General

Assembly Mrs Vijaya Laxmi Pandit

The first woman Chief Minister of an Indian State Mrs Sucheta Kripalani

The first woman Chairman of Union Public Service

Commission Roze Millian Bethew

The first woman Director General of Police Kanchan Chaudhary Bhattacharya

The first woman Judge Anna Chandy (She became judge in a

district court in 1937)

The first woman Cheif Justice of High Court Mrs Leela Seth (Himachal Pradesh High

Court)

The first woman Judge in Supreme Court of India Kumari Justice M. Fathima Beevi

The first woman Lieutenant General Puneeta Arora

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The first woman Air Vice Marshal P. Bandopadhyaya

The first woman chairperson of Indian Airlines Sushma Chawla

The first woman IPS officer Mrs. Kiran Bedi

The first and last Muslim woman ruler of India Razia Sultan

The first woman to receive Ashoka Chakra Nirja Bhanot

The first woman to receive Jnanpith Award Ashapurna Devi

The first woman to cross English Channel Aarti Saha

The first woman to receive Nobel Prize Mother Teresa

The first woman to receive Bharat Ratna Mrs Indira Gandhi

The first woman to receive Jnanpith Award Ashpurna Devi

First Wax statue of a Living Indian Mahatma Gandhi at Madame Tussaud's in

1939

First Chinese pilgrim to Visit India Fa-hien

First Exclusive internet magazine Bharat Samachar

First Miss India to participate in Miss Universe Indrani Rehman

First President of Indian National Congress W.C. Bannerjee, 1885

First Muslim President of the Indian National

Congress Badruddin Tayyabji

First Judge in International Court of Justice Dr. Nagender Singh

First Graduate in Medicine Soorjo Coomar Goodeve Chukerbutty

India's First University Nalanda University

India's First Open University Andhra Pradesh Open University

India's First Lok Sabha Member to be elected with a

record maximum number of votes P.V.Narasimha Rao

First Indian to reach Antarctica Lt. Ram Charan

First British to Visit India Hawkins

First Test tube baby of India Indira (Baby Harsha)

First Post Office Opened in India Kolkata(1727)

INVENTIONS

Invention Inventor

Television J.L. Baird

Radio Marconi

Telephone Alexander Graham Bell

Electricity Benjamin Franklin

Electric Light Bulb Thomas Edison

Thermometer Daniel Gabriel Fahrenheit

Radium Marie Curie

Telescope Galileo

Telegraph Pavel Schilling

Electromagnetic Theory Heinrich Hertz

Theory of Relativity Albert Einstein

X-rays Wilhelm Conrad Rontgen

Cosmic Rays R.A. Millikan

Automobile Ferdinand Verbiest

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Penicillin Sir Alexander Fleming

Insulin Frederick Banting

Magnetic Tape Fritz Pfluemer

Raman Effect Sir C.V. Raman

Bohr Electron Theory

Boyle Boyle’s Law

Dalton Atomic Theory

Periodic Table Dmitri Mendeleev

Transformer and Electric Motor Michael Faraday

Geometry Euclid

Structure of Atom Ernest Rutherford

Law of Gases Gay Lussac

Electromagnetic Field James Clerk Maxwell

Motion of Planets Johannes Kepler

Principle of relativity Galileo Galilei

Newtons Law of Motion Galileo Galilei and Isaac Newton

Electron J.J. Thomson

Photon Albert Einstein

Theory of Atom John Dalton

Blood Groups Karl Landsteiner

Quantum Mechanics Max Born

Quantum Theory Max Plank, Niels Bohr, Albert Einstein

Law of Conservation of Mass Antoine Lavoisier

Age of the Earth C.C. Patterson

Heliocentrism Aristarchus of Samos

Heliocentric Model Nicolaus Copernicus

Periodic law Mendeleef

Venn Diagram John Venn

Vierner Scale Pierre Vernier

Atomic Number Mosley

Law of Motion & Gravitation Newton

Laws of Electrical Resistance Ohm

Nuclear Reactor Enrico Fermi

Fuel Cell William Robert Glove

Celluloid Alexander Parkes

Hydrogen Bomb Edward Teller

Computer Architecture John Von Neumann

Airplane Wright Brothers (Orville and Wilbur)

Steam Engine James Watt

Logarithms John Napier

Theory of Evolution Charles Darwin

Transformer Otto Blathy

Cinematography Edison

Stethoscope Rane Laennec

Thermo Flask Dewar

Battery Alessandro Volta

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Barometer Evangelista Torricelli

Camera Steven Sasson

Analytical Engine Thomas Edison

Diesel Engine Rudolf Diesel

Helicopter Broquet

Dynamite Alfred Nobel

First Computer John Mauchly and J. Presper Eckert

Lift Otis

Guitar Adolph Rickenbacker

Light Emission Diode Nick Holonyak and Oleg Losev

Laser Printer Gary Starkweather

Mobile Phone Martin Cooper

Micro Scope Zacharias Janssen

Microwave Oven Percy Spencer

Printing Press Johannes Gutenberg

Video Games Ralph H. Baer

Google Larry Page

Mozilla Dave Hyatt and Blake Ross

Facebook Mark Zuckerberg

Twitter Evan Williams, Jack Dorsey, and Biz Stone

Microsoft Bill Gates and Paul Allen

Internet Vint Cerf

Email Shiva Ayyadurai

Apple Computers Steve Jobs

World Wide Web (WWW) Sir Tim Berners- Lee

IP Address Robert E. Kahn

Micro Processor Federico Faggin

INTERNATIONAL BOUNDARIES

1. Line of Actual Control--India & China on the Northern Border 2. Line of Control--India and Pakistan 3. Durand Line--Afghanistan and Pakistan. 4. Radcliffe Line--India and Pakistan (its includes Banladesh Line) 5. Blue Line --Isreal & Lebanon 6. Purple Line -- Israel and Syria 7. Green Line --Israel and its neighbours (Egypt, Jordan, Lebanon and Syria) 8. Mason–Dixon line-- Maryland and Pennsylvania/Delaware in Colonial America 9. Curzon Line--Poland & Russia 10. Military Demarcation Line (MDL)--North Korea and South Korea. 11. Armistice Line--North Korea and South Korea. 12. McMohan Line--India & China 13. Maginot Line--France & Germany 14. Mannar haime line--Russia & Finland 15. Oder Nisse Line --Germany & Poland( aftermath of World War II) 16. Hindenburg Line--Poland & Germany(at the time of First World War) 17. Sigfried Line--East France & Germany (at the time of second world war) 18. 16 Parallel North--Angola and Namibia 19. 17th Parallel Line--North & South Vietnam 20. 20 ParallelLine --Libya & Sudan 21. 22 Parallel Line --Egypt & Sudan 22. 25 Parallel Line --Mauritania & Mali

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23. 26 Parallel Line--Western Sahara & Mauritania 24. 31 Parallel Line --Iraq & Iran 25. 35 Parallel Line --US it serves as border b/w Tennessee/Mississippi, 26. 36 Parallel Line--US it Forms forms the southernmost of the state of Missouri 27. 38 Parallel Line --North & South Korea 28. 40 Parallel Line--US it serves as border b/w Nebraska & Kansas 29. 41 Parallel Line-- US it forms the border b/w wyoming/utah border, Wyoming/colorado, 30. 42 Parallel Line--US it serves as border of new york & Pennsylvania Border 31. 43 Parallel Line-- US it serves as border of b/w State Nebraska & state of south Dakota 32. 45 Parallel Line--US it forms the boundary b/w Montana & wyoming 33. 49 Parallel Line-- USA & Canada

INDIA’s MISSILES AND THEIR STRIKE RANGE

MISSILE NAME STRIKE RANGE(km) Prahaar 150

Prithvi-II 350

Dhanush 350

Agni-I 700 – 1,250 km

Agni-II 2,000 – 3,000 km[

Agni-III 3,500 – 5,000 km

Agni-IV 3,000 – 4,000 km

Agni-V 5,000 – 8,000 km

Akash 25

Astra 65

Brahmos 290

Nirbhay 1000

K-15 700

K-4 3000

Shourya 700

Nag(Anti-tank missile) 500m to 4 km

CUPS AND TROPHIES(ASSOCIATED WITH SPORTS/GAMES)

Sport Cups and Trophies

Hockey Aga Khan Cup, Begam Rasul Trophy (women's), Maharaja Ranjit Singh Gold Cup,

Lady Ratan Tata Trophy (women's), Gurunanak Championship (women's),

Dhyanchand Trophy, Nehru Trophy, Sindhia Gold Cup, Murugappa Gold Cup,

Wellington Cup etc

Football Beghum Hazarat Mahal Cup, BILT Cup, Bordoloi Trophy, Colombo Cup,

Confederation Cup, DCM Trophy, Durand Cup, Rovers Cup, BC Rai Trophy

(National Championship), FIFA World Cup, Jules Rimet Trophy, Kalinga Cup,

Santosh Trophy (National Championship), IFA Shield, Scissor Cup, Subroto

Mukherjee Cup, Sir Ashutosh Mukherjee Trophy, Todd Memorial Trophy, Vittal

Trophy, etc.

Cricket Anthony D' Mellow Trophy, Ashes, Asia Cup, Benson and Hedges Cup, Bose

Trophy, Champions Trophy, Charminar Challenger Cup, CK Naidu Trophy, Cooch

- Behar Trophy, Deodhar Trophy, Duleep Trophy, Gavaskar - Border Trophy, GD

Birla Trophy, Gillette Cup, Ghulam Ahmand Trophy, Hakumat Rai Trophy, ICC

World Cup, Irani Trophy, Interface Cup, Jawaharlal Nehru Cup, Lomboard World

Challenge Cup, Mc Dowells Challenge Cup, Merchant Cup, Moin-ud-Dowla Cup,

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Nat West Trophy, Prudential Cup (World Cup), Rani Jhansi Trophy, Ranji Trophy,

Rohinton Baria Trophy, Rothmans Cup, Sahara Cup, Sharjah Cup, Sheesh Mahal

Trophy, Sheffield Shield, Singer Cup, Sir Frank Worrel Trophy, Texaco Cup, Titan

Cup, Vijay Hazare Trophy, Vijay Merchant Trophy, Vizzy Trophy, Wisden

Trophy, Wills Trophy, World Series Cup.

Table

Tennis

Berna Bellack Cup (men), Corbillion Cup (women), Jai Laxmi Cup (women),

Rajkumari Challenge Cup (women junior), Ramanuja Trophy (men junior),

Travancore Cup (women), Swathling Cup (men), etc

Badminton Aggarwal Cup, Amrit Diwan Cup, Asia Cup, Australasia Cup, Chaddha Cup,

European Cup, Harilela Cup, Ibrahim Rahimatollah Challenger Cup, Konica Cup,

Narang Cup, SR Ruia Cup, Sophia Cup, Kitiakara Cup, Thomas Cup, Tunku

Abdulrahman Cup, Uber Cup, World Cup, Yonex Cup etc

Basketball Basalat Jha Trophy, BC Gupta Trophy, Federation Cup, SM Arjuna Trophy, Todd

Memorial Trophy, William Jones Cup, Bangalore Blues Challenge Cup, Nehru

Cup, Federation Cup etc.

Bridge Basalat Jha Trophy, Holkar Trophy, Ruia Gold Cup, Singhania Trophy, etc

Polo Ezra Cup, Gold Cup, King's Cup, Prithi Cup, Schneider Cup etc.

Athletics Charminar Trophy, Federation Cup etc

Air Racing Jawaharlal Challenge Trophy, King's Cup, Schneider Cup etc

Billiards Arthur Walker Trophy, Thomas Cup etc

Boxing Aspy Adjahia Trophy, Federation Cup, Val Baker Trophy etc.

Golf Canada Cup, Eisenhower Trophy, Muthiah Gold Cup, Nomura Trophy, President's

Trophy, Prince of Wales Cup, Ryder Cup, Solheim Cup, Topolino Trophy, Walker

Cup, World Cup etc

Chess Naidu Trophy, Khaitan Trophy, Limca Trophy, Lin Arec City Trophy, World Cup,

etc

Horse

Racing

Beresford Cup, Blue Raiband Cup, Derby, Grand National Cup etc.

Netball Anantrao Pawar Trophy, etc

Rugby

Football

Bledisloe Cup, Calcutta Cup, Webb Ellis Trophy, etc

Shooting North Wales Cup, Welsh Grand Pix etc

Volleyball Centennial Cup, Federation Cup, Indira Pradhan Trophy, Shivanthi Gold Cup, etc

Yatching America Cup, etc

COUNTRY-CURRENCY-CAPITAL Sr. No. Country Currency Capital

1 Afghanistan Afghani Kabul

2 Albania Lek Tirane

3 Algeria Dinar Algiers

4 Andorra Euro Andorra la Vella

5 Angola New Kwanza Luanda

6 Antigua and Barbuda EastCaribbeandollar Saint John's

7 Argentina Peso Buenos Aires

8 Armenia Dram Yerevan

9 Australia Australian dollar Canberra

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10 Austria Euro Vienna

11 Azerbaijan Manat Baku

12 The Bahamas Bahamian dollar Nassau

13 Bahrain Bahrain dinar Manama

14 Bangladesh Taka Dhaka

15 Barbados Barbados dollar Bridgetown

16 Belarus Belorussian ruble Minsk

17 Belgium Euro (formerly Belgian franc) Brussels

18 Belize Belize dollar Belmopan

19 Benin CFA Franc Porto-Novo

20 Bhutan Ngultrum Thimphu

21 Bolivia Boliviano La Paz (administrative); Sucre (judicial) 22 Bosnia and Herzegovina Marka Sarajevo

23 Botswana Pula Gaborone

24 Brazil Real Brasilia

25 Brunei Brunei dollar Bandar Seri Begawan

26 Bulgaria Lev Sofia

27 Burkina Faso CFA Franc Ouagadougou

28 Burundi Burundi franc Bujumbura

29 Cambodia Riel Phnom Penh

30 Cameroon CFA Franc Yaounde

31 Canada Canadian dollar Ottawa

32 Cape Verde Cape Verdean escudo Praia

33 Central African Republic CFA Franc Bangui

34 Chad CFA Franc N'Djamena

35 Chile Chilean Peso Santiago

36 China Yuan/Renminbi Beijing

37 Colombia Colombian Peso Bogota

38 Comoros Franc Moroni

39 Congo, Republic of the CFA Franc Brazzaville

40 Congo, Democratic Republic of the Congolese

Franc Kinshasa

41 Costa Rica Colón San Jose

42 Cote d'Ivoire CFA Franc Yamoussoukro (official); Abidjan (de facto)

43 Croatia Kuna Zagreb

44 Cuba Cuban Peso Havana

45 Cyprus Cyprus pound Nicosia

46 Czech Republic Koruna Prague

47 Denmark Krone Copenhagen

48 Djibouti Djibouti franc Djibouti

49 Dominica EastCaribbeandollar Roseau

50 Dominican Republic Dominican Peso Santo Domingo

51 East Timor (Timor-Leste) U.S. dollar Dili

52 Ecuador U.S. dollar Quito

53 Egypt Egyptian pound Cairo

54 El Salvador Colón; U.S. dollar San Salvador

55 Equatorial Guinea CFA Franc Malabo

56 Eritrea Nakfa Asmara

57 Estonia Kroon Tallinn

58 Ethiopia Birr Addis Ababa

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59 Fiji Fiji dollar Suva

60 Finland Euro (formerly markka) Helsinki

61 France Euro (formerly French franc) Paris

62 Gabon CFA Franc Libreville

63 The Gambia Dalasi Banjul

64 Georgia Lari Tbilisi

65 Germany Euro (formerlyDeutschemark) Berlin

66 Ghana Cedi Accra

67 Greece Euro (formerly drachma) Athens

68 Grenada EastCaribbeandollar Saint George's

69 Guatemala Quetzal Guatemala City

70 Guinea Guinean franc Conakry

71 Guinea-Bissau CFA Franc Bissau

72 Guyana Guyanese dollar Georgetown

73 Haiti Gourde Port-au-Prince

74 Honduras Lempira Tegucigalpa

75 Hungary Forint Budapest

76 Iceland Icelandic króna Reykjavik

77 India Rupee New Delhi

78 Indonesia Rupiah Jakarta

79 Iran Rial Tehran

80 Iraq Iraqi Dinar Baghdad

81 Ireland Euro (formerly Irish pound [punt])

Dublin

82 Israel Shekel Jerusalem(#)

83 Italy Euro (formerly known as lira) Rome

84 Jamaica Jamaican dollar Kingston

85 Japan Yen Tokyo

86 Jordan Jordanian dinar Amman

87 Kazakhstan Tenge Astana

88 Kenya Kenya shilling Nairobi

89 Kiribati Australian dollar Tarawa Atoll

90 North Korea Won Pyongyang

91 South Korea Won Seoul

92 Kosovo Euro (German Mark prior to 2002)

Pristina

93 Kuwait Kuwaiti dinar Kuwait City

94 Kyrgyzstan Som Bishkek

95 Laos New Kip Vientiane

96 Latvia Lats Riga

97 Lebanon Lebanese pound Beirut

98 Lesotho Maluti Maseru

99 Liberia Liberian dollar Monrovia

100 Libya Libyan dinar Tripoli

101 Liechtenstein Swiss franc Vaduz

102 Lithuania Litas Vilnius

103 Luxembourg Euro (formerly Luxembourg franc)

Luxembourg

104 Macedonia Denar Skopje

105 Madagascar Malagasy franc Antananarivo

106 Malawi Kwacha Lilongwe

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107 Malaysia Ringgit Kuala Lumpur

108 Maldives Rufiya Male

109 Mali CFA Franc Bamako

110 Malta Maltese lira Valletta

111 Marshall Islands U.S. Dollar Majuro

112 Mauritania Ouguiya Nouakchott

113 Mauritius Mauritian rupee Port Louis

114 Mexico Mexican peso Mexico City

115 Micronesia, Federated States of U.S. Dollar Palikir

116 Moldova Leu Chisinau

117 Monaco Euro Monaco

118 Mongolia Tugrik Ulaanbaatar

119 Montenegro Euro Podgorica

120 Morocco Dirham Rabat

121 Mozambique Metical Maputo

122 Myanmar (Burma) Kyat Rangoon (Yangon); Naypyidaw or Nay Pyi Taw 123 Namibia Namibian dollar Windhoek

124 Nauru Australian dollar no official capital; government offices in Yaren District

125 Nepal Nepalese rupee Kathmandu

126 Netherlands Euro (formerly guilder) Amsterdam; The Hague (seat of government)

127 New Zealand New Zealand dollar Wellington

128 Nicaragua Gold cordoba Managua

129 Niger CFA Franc Niamey

130 Nigeria Naira Abuja

131 Norway Norwegian krone Oslo

132 Oman Omani rial Muscat

133 Pakistan Pakistani rupee Islamabad

134 Palau U.S. dollar Melekeok

135 Panama balboa; U.S. dollar Panama City

136 Papua New Guinea Kina Port Moresby

137 Paraguay Guaraní Asuncion

138 Peru Nuevo sol (1991) Lima

139 Philippines Peso Manila

140 Poland Zloty Warsaw

141 Portugal Euro (formerly escudo) Lisbon

142 Qatar Qatari riyal Doha

143 Romania Leu Bucharest

144 Russia Ruble Moscow

145 Rwanda Rwanda franc Kigali

146 Saint Kitts and Nevis East Caribbean dollar Basseterre

147 Saint Lucia East Caribbean dollar Castries

148 Saint Vincent and the Grenadines East Caribbean dollar Kingstown

149 Samoa Tala Apia

150 San Marino Euro San Marino

151 Sao Tome and Principe Dobra Sao Tome

152 Saudi Arabia Riyal Riyadh

153 Senegal CFA Franc Dakar

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154 Serbia Yugoslav new dinar. In Kosovo both the euro and the Yugoslav dinar are legal

Belgrade

155 Seychelles Seychelles rupee Victoria

156 Sierra Leone Leone Freetown

157 Singapore Singapore dollar Singapore

158 Slovakia Koruna Bratislava 159 Slovenia Slovenian tolar; euro (as of

1/1/07) Ljubljana

160 Solomon Islands Solomon Islands dollar Honiara

161 Somalia Somali shilling Mogadishu

162 South Africa Rand Pretoria (administrative); Cape Town (legislative);

163 South Sudan Sudanese Pound Juba

164 Spain Euro (formerly peseta) Madrid

165 Sri Lanka Sri Lanka rupee Colombo; Sri Jayewardenepura Kotte 166 Sudan Dinar Khartoum

167 Suriname Surinamese dollar Paramaribo

168 Swaziland Lilangeni Mbabane

169 Sweden Krona Stockholm

170 Switzerland Swiss franc Bern

171 Syria Syrian pound Damascus

172 Taiwan Taiwan dollar Taipei

173 Tajikistan Somoni Dushanbe

174 Tanzania Tanzanian shilling Dar es Salaam; Dodoma (legislative)

175 Thailand Baht Bangkok

176 Togo CFA Franc Lome

177 Tonga Pa'anga Nuku'alofa

178 Trinidad and Tobago Trinidad and Tobago dollar Port-of-Spain

179 Tunisia Tunisian dinar Tunis

180 Turkey Turkish lira (YTL) Ankara

181 Turkmenistan Manat Ashgabat

182 Tuvalu Australian dollar Vaiaku village, Funafuti province

183 Uganda Ugandan new shilling Kampala

184 Ukraine Hryvna Kyiv

185 United Arab Emirates U.A.E. dirham Abu Dhabi

186 United Kingdom Pound sterling London

187 United States of America Dollar Washington D.C.

188 Uruguay Uruguay peso Montevideo

189 Uzbekistan Uzbekistani sum Tashkent

190 Vanuatu Vatu Port-Vila

191 Vatican City (Holy See) Euro Vatican City

192 Venezuela Bolivar Caracas

193 Vietnam Dong Hanoi

194 Yemen Rial Sanaa

195 Zambia Kwacha Lusaka

196 Zimbabwe Zimbabwean dollar Harare

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Important Appointments

Name of the person Name of the post

Baldev Sharma Chairman of National Book Trust

Ashu Suyash MD & CEO of CRISIL(Credit Rating Information Services of India Limited).

Nasim Zaidi Chief Election Commissioner of India

Vivek Priyadarshi Lead the probe on IPL scandal.

Omar al-Bashir Sudan President

Sumit Mazumder President of CII.

Meenakshi Madan Rai 1st Lady Judge in Sikkim High Court.

H.L.Dattu Head of NJAC(National Judicial Appointments Commission).

Manabi Banopadhaya India’s 1st transgender College principal.

K V Kamath Head of New Development Bank of BRICS nations.

Arvind Saxena Member of UPSC

Arun Kumar Jha CEO of KVIC(Khadi and Village Industries Commission)

Rajalakshmi Devaraj Director of EMC(Expenditure Management Commission).

Mukesh Khanna Chairperson of Children’s Film Society of India – Children’s Film Society India (CFSI)

K Satish Reddy National Safety Council (NSC)

Om Prakash Rawat Election Commissioner.

Veena Jain Director General of Doordarshan News.

President Sepp Blatter, VP Michel Platini and Secretary General Jerome Valcke

FIFA (Suspend)

RC Tayal Director General of National Security Guard(NSG)

KV Chowdary Chief Vigilance Commissioner

Vijai Sharma Chief Information Commissioner of India

Ram Sevak Sharma Chairman of TRAI

Ashish Bahuguna Chairman of food safety regulator FSSAI

Zaheer Abbas ICC president.

Birender Singh Dhanoa

Vice Chief of the Indian Air Force(IAF).

P Kunhikrishn Director of Satish Dhawan Space Centre (SDSC) SHAR.

Rakesh Singh Chairman and Managing Director of SAIL.

Prof S Bandyopadhay Director of Indian Statistical Institute (ISI).

Mogens Lykketoft President of UN General Assembly.

Archana Ramasundaram Director of NCRB(National Crime Records Bureau).

Ramesh Chand Full-time member Niti Aayog

Hormusji N Cama Chairman of Press Trust of India

Shashank Manohar BCCI President

90 | P a g e


Sekhar Basu Atomic Energy Commission

A. K. Mital Chairman,Railway Board.

A. S. Kiran Kumar Chairman,Space Commission and ISRO.

K.Sivan Director of Vikram Sarabhai Space Centre.

P.Kunhikrishnan Director of Satish Dhawan Space Centre.

M.Annadurai Director of ISRO Satellite Centre, Bangaluru.

Dinesh K. Sarraf CMD,Oil and Natural Gas Corporation (ONGC).

U. K. Sinha Chairman,Securities and Exchange Board of India (SEBI).

Ms. Lalitha Kumarmangalam Chairperson, National Commission for Women.

Dr. Sekhar Basu Director,Bhabha Atomic Research Centre.

N. Ramachandran President,Indian Olympic Association.

Rajiv shukla Indian Premier League (IPL).

R. Chandrasekaran Chairman,NASSCOM.

Rana Kapoor President,The Associated Chambers of Commerce and Industry of India (ASSOCHAM).

Ajay Mathur Director General of TERI (The Energy and Resource Institute).

Bhanu Pratap Chairperson of FSSAI(Food Safety and Standards Authority of India).

Ashish Bahuguna FSSAI CEO(Additional charge)

Ajit Kumar Seth PESB(Public Enterprises Selection Board) chief.

Sebastian Coe World athletics chief.

Raghav Chandra Chairman of the National Highways Authority of India (NHAI).

Thomas Bach Ambassador of HeForShe

Amitabh Bachchan Brand ambassador of campaign against Hepatitis.

Muhammadu Buhari President of Nigeria

Ranil Wickremesinghe Prime Minister of Sri Lanka

Sherif Ismail Prime Minister of Egypt

Alexis Tsipras Prime Minister of Greece

Justin Trudeau Prime Minister of Canada

Malcom Turnbell Prime Minister of Australia

P V Chandran INS President

John Chambers US-India Business Council's chairman

Stuti Narain Kacker NCPCR chairperson

Sachin Tendulkar Oxigen brand ambassador Goodwill Ambassador of National games

David Haggerty ITF President

Maurice Obstfeld Chief Economist of IMF

LC Goyal India Trade Promotion Organization. Jioji Konrote Fiji's President

91 | P a g e


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N Venugopala Rao Reliance Power, CEO

Jack Dorsey CEO of Twitter

M D Ranganath Infosys CFO(Resigned)

Krish Shankar Infosys head of global HR

Alkesh Sharma CEO, MD of Delhi-Mumbai Industrial Corridor Development Corporation

VVS Laxman PETA campaign

M K Surana HPCL Chairman

GR Chandak Director of CDFD

Leo Puri Chief of Association for Mutual Funds in India(AMFI)

Onsari Gharti Maga Nepal first woman Speaker

AK Jha Interim CMD of NTPC Limited

S A V Satya Murty IGCAR Director

Hoesung Lee Head of Inter-governmental Panel for Climate Change (IPCC)

J Manjula DRDO’s first Woman Director General

Kundhavi Kadiresan FAO Assistant Director-General

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