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  1. Asked: July 11, 2025In: RBI

    Which subject do you find most challenging in RBI preparation?

    Gulafrin Rizwan
    Gulafrin Rizwan Enlightened
    Added an answer on July 11, 2025 at 5:39 pm

    Many aspirants find the General Awareness section, particularly Economic and Social Issues (ESI) and Finance and Management (FM), the most challenging in RBI preparation. These subjects are vast, dynamic, and require a deep understanding of current affairs, government schemes, economic policies, andRead more

    Many aspirants find the General Awareness section, particularly Economic and Social Issues (ESI) and Finance and Management (FM), the most challenging in RBI preparation. These subjects are vast, dynamic, and require a deep understanding of current affairs, government schemes, economic policies, and conceptual clarity. Unlike quantitative or reasoning sections that are more practice-based and predictable, ESI and FM demand constant reading, comprehension, and analysis of issues from multiple sources like the Economic Survey, Budget, RBI reports, and newspapers. The challenge lies not just in the volume of information, but also in selecting relevant content and recalling it accurately during the exam. Therefore, consistent revision, making short notes, and connecting theory with current events are essential to master these subjects effectively.

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  2. Asked: July 11, 2025In: Competitive Exam

    How do I avoid frustration while studying for study?

    Gulafrin Rizwan
    Gulafrin Rizwan Enlightened
    Added an answer on July 11, 2025 at 5:36 pm

    Avoiding frustration while studying requires a balanced approach that combines planning, self-awareness, and self-care. Start by setting realistic and achievable goals, breaking your study material into smaller, manageable chunks to prevent feeling overwhelmed. Create a structured timetable that incRead more

    Avoiding frustration while studying requires a balanced approach that combines planning, self-awareness, and self-care. Start by setting realistic and achievable goals, breaking your study material into smaller, manageable chunks to prevent feeling overwhelmed. Create a structured timetable that includes short breaks to help you stay focused and avoid burnout. Use active study techniques like summarizing, teaching others, or using flashcards to make learning more engaging. Stay positive and remind yourself that mistakes are part of the learning process. If a topic feels difficult, seek help from peers, teachers, or online resources instead of struggling alone. Finally, prioritize your well-being—get enough sleep, eat healthily, and exercise regularly, as a healthy mind and body greatly enhance your ability to concentrate and reduce frustration.

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  3. Asked: July 10, 2025In: AFO

    What is the ideal pH range for most agricultural crops to grow?

    Gulafrin Rizwan
    Gulafrin Rizwan Enlightened
    Added an answer on July 10, 2025 at 9:06 am

    The ideal pH range for most agricultural crops to grow is between 6.0 and 7.5, which is considered slightly acidic to neutral. Within this range, essential nutrients in the soil—such as nitrogen, phosphorus, potassium, and micronutrients—are most readily available to plants, and microbial activity tRead more

    The ideal pH range for most agricultural crops to grow is between 6.0 and 7.5, which is considered slightly acidic to neutral. Within this range, essential nutrients in the soil—such as nitrogen, phosphorus, potassium, and micronutrients—are most readily available to plants, and microbial activity that supports soil fertility is at its peak. Soils with a pH below 6.0 can lead to nutrient deficiencies and toxicities, particularly of aluminum and manganese, while soils above 7.5 may cause deficiencies of micronutrients like iron and zinc. Maintaining an optimal pH balance through practices like liming acidic soils or using acid-forming fertilizers in alkaline conditions is crucial for healthy crop growth and improved yield.

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  4. Asked: July 10, 2025In: UPSC

    The term ‘Carbon Border Adjustment Mechanism (CBAM)’, recently seen in the news, is associated with:

    Gulafrin Rizwan
    Gulafrin Rizwan Enlightened
    Added an answer on July 10, 2025 at 9:05 am

    The Carbon Border Adjustment Mechanism (CBAM) is a policy initiative introduced by the European Union to address the issue of "carbon leakage," where companies might move their carbon-intensive production to countries with less stringent climate regulations. CBAM aims to equalize the carbon costs beRead more

    The Carbon Border Adjustment Mechanism (CBAM) is a policy initiative introduced by the European Union to address the issue of “carbon leakage,” where companies might move their carbon-intensive production to countries with less stringent climate regulations. CBAM aims to equalize the carbon costs between domestic and imported products by imposing a charge on imports based on their carbon emissions. Initially covering high-emission sectors like steel, cement, aluminium, fertilisers, electricity, and hydrogen, the mechanism ensures that imported goods are subject to the same carbon pricing as products manufactured within the EU. The goal is to protect EU industries from unfair competition, support global climate action, and encourage cleaner production practices worldwide. The system began with a reporting phase in 2023 and will transition to full implementation, including the purchase of carbon certificates by importers, by 2026. While some countries view it as a potential trade barrier, the EU maintains that CBAM is a necessary tool to maintain the integrity and effectiveness of its climate goals.

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  5. Asked: July 9, 2025In: UPSC Exam

    Which crops are covered under the National Horticulture Mission?

    Gulafrin Rizwan
    Gulafrin Rizwan Enlightened
    Added an answer on July 10, 2025 at 9:01 am
    This answer was edited.

    The National Horticulture Mission (NHM) covers a wide range of horticultural crops to promote holistic growth of the sector through area-based, regionally differentiated strategies. The crops included under NHM primarily encompass fruits like mango, banana, citrus, apple, guava, and pineapple; vegetRead more

    The National Horticulture Mission (NHM) covers a wide range of horticultural crops to promote holistic growth of the sector through area-based, regionally differentiated strategies. The crops included under NHM primarily encompass fruits like mango, banana, citrus, apple, guava, and pineapple; vegetables such as tomato, onion, brinjal, and okra; and spices including turmeric, ginger, garlic, and pepper. Additionally, plantation crops like coconut and cashew, flowers like rose, marigold, and gerbera, and aromatic and medicinal plants are also supported. The mission provides assistance for activities like production and distribution of planting material, establishment of nurseries, creation of water resources, protected cultivation, post-harvest management, and marketing infrastructure to boost productivity and farmers’ income.

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  6. Asked: July 9, 2025In: Scheme

    What is the primary objective of the NHM?

    Gulafrin Rizwan
    Gulafrin Rizwan Enlightened
    Added an answer on July 10, 2025 at 8:58 am

    The primary objective of the National Health Mission (NHM) is to provide accessible, affordable, and quality healthcare services to all, especially the vulnerable and marginalized sections of society. Launched by the Government of India in 2013 by subsuming the National Rural Health Mission (NRHM) aRead more

    The primary objective of the National Health Mission (NHM) is to provide accessible, affordable, and quality healthcare services to all, especially the vulnerable and marginalized sections of society. Launched by the Government of India in 2013 by subsuming the National Rural Health Mission (NRHM) and the National Urban Health Mission (NUHM), the NHM aims to strengthen the public health system by improving infrastructure, ensuring adequate human resources, and enhancing the delivery of health services across rural and urban areas. The mission emphasizes reducing maternal and infant mortality, controlling communicable and non-communicable diseases, and promoting universal health coverage through community participation and decentralized planning.

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  7. Asked: July 7, 2025In: NABARD

    Which report is published by the NITI Aayog to measure India’s progress towards SDGs at the state level?

    Gulafrin Rizwan
    Gulafrin Rizwan Enlightened
    Added an answer on July 7, 2025 at 12:10 pm

    The report published by NITI Aayog to measure India’s progress towards the United Nations’ Sustainable Development Goals (SDGs) at the state and union territory level is called the “SDG India Index.” First released in December 2018, it has since evolved through multiple editions, with the fourth ediRead more

    The report published by NITI Aayog to measure India’s progress towards the United Nations’ Sustainable Development Goals (SDGs) at the state and union territory level is called the “SDG India Index.” First released in December 2018, it has since evolved through multiple editions, with the fourth edition, “SDG India Index 2023–24,” being the most recent. The Index assesses performance across 16 SDGs (excluding “Life Below Water,” which is pertinent only to coastal regions) using 113 indicators aligned with India’s National Indicator Framework. It generates goal-wise and composite scores (on a 0–100 scale) to rank all Indian states and UTs under four categories—Aspirant (0–49), Performer (50–64), Front-runner (65–99), and Achiever (100). By benchmarking these scores, the SDG India Index encourages a spirit of cooperative and competitive federalism, helping policymakers at both national and subnational levels identify gaps, prioritize interventions, and accelerate progress towards achieving the SDGs by 2030. Stay updated with C4S Courses.

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  1. Asked: July 25, 2025In: SIDBI

    Is SIDBI Grade A tougher than RBI Grade B?

    Gulafrin Rizwan
    Gulafrin Rizwan Enlightened
    Added an answer on July 26, 2025 at 7:02 am

    Comparing SIDBI Grade A and RBI Grade B in terms of difficulty depends on various factors such as the exam pattern, competition level, and selection criteria. Generally, RBI Grade B is considered tougher due to its higher number of applicants, broader syllabus, and the prestigious nature of the job.Read more

    Comparing SIDBI Grade A and RBI Grade B in terms of difficulty depends on various factors such as the exam pattern, competition level, and selection criteria. Generally, RBI Grade B is considered tougher due to its higher number of applicants, broader syllabus, and the prestigious nature of the job. The RBI exam involves three phases—Prelims, Mains (with descriptive English, Finance & Management, and Economic & Social Issues), and Interview—making it more comprehensive and competitive. In contrast, SIDBI Grade A has a slightly narrower scope with fewer applicants and a simpler pattern involving objective questions on reasoning, English, quantitative aptitude, general awareness, and a professional knowledge section, followed by an interview. However, this doesn’t mean SIDBI is easy—its professional knowledge section can be quite technical and challenging, especially for non-commerce or non-management backgrounds. Overall, while both exams are competitive, RBI Grade B is generally regarded as more difficult due to its broader scope, higher cut-offs, and national-level prestige.

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  2. Asked: July 25, 2025In: SIDBI

    Does SIDBI provide loans directly to small businesses or only through banks/NBFCs?

    Gulafrin Rizwan
    Gulafrin Rizwan Enlightened
    Added an answer on July 26, 2025 at 6:59 am

    Yes, SIDBI provides both direct and indirect loans to small businesses. Through its direct lending operations, SIDBI offers various schemes such as SMILE (Make in India Soft Loan Fund for MSMEs), SEF, SPEED, and STFS, which support working capital needs, machinery purchase, and other business requirRead more

    Yes, SIDBI provides both direct and indirect loans to small businesses. Through its direct lending operations, SIDBI offers various schemes such as SMILE (Make in India Soft Loan Fund for MSMEs), SEF, SPEED, and STFS, which support working capital needs, machinery purchase, and other business requirements. These loans are tailored for different segments, including women entrepreneurs and businesses from marginalized communities. At the same time, SIDBI plays a major role in indirect financing by offering refinance and credit support to banks, NBFCs, small finance banks, and microfinance institutions, which then lend to MSMEs. As of 2023, about 8% of SIDBI’s loan portfolio comprised direct lending to MSMEs, while around 92% was routed indirectly through other financial institutions. SIDBI has plans to gradually increase its share of direct lending in the coming years.

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  3. Asked: July 24, 2025In: SIDBI

    What is SIDBI’s PRAYAAS scheme?

    Gulafrin Rizwan
    Gulafrin Rizwan Enlightened
    Added an answer on July 24, 2025 at 11:14 am

    SIDBI’s PRAYAAS scheme is a dedicated initiative aimed at supporting informal micro-entrepreneurs, particularly women and those from marginalized communities, in transitioning from basic sustenance activities to more viable and sustainable enterprises. The scheme offers affordable small-ticket loansRead more

    SIDBI’s PRAYAAS scheme is a dedicated initiative aimed at supporting informal micro-entrepreneurs, particularly women and those from marginalized communities, in transitioning from basic sustenance activities to more viable and sustainable enterprises. The scheme offers affordable small-ticket loans ranging from ₹50,000 to ₹5 lakh through a network of partner intermediaries, including microfinance institutions (MFIs), NBFCs, SHG promoters, and fintech firms. PRAYAAS follows a digital-first approach, enabling e-KYC, digital documentation, e-signing, and e-stamping via mobile apps or web portals, which accelerates loan processing and disbursal. The scheme emphasizes doorstep delivery of financial services, reducing access barriers for underserved populations. As of March 2022, loans worth ₹342 crore were disbursed to over 21,500 beneficiaries, with around 88% of them based in rural areas. By December 2023, the scheme had expanded to cover over 1.3 lakh beneficiaries across more than 400 districts in 25 States and Union Territories. Notably, over 85% of the loans have been availed by women entrepreneurs, and more than 70% have gone to individuals from socially backward groups. With an interest rate capped at around 13%, PRAYAAS has emerged as a cost-effective and inclusive tool for empowering grassroots entrepreneurship in India.

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