General Knowledge

The best daily routine for a competitive exam aspirant is one that strikes a balance between consistent study, revision, practice, rest, and self-care. A productive day typically begins early in the morning, around 5:30–6:00 AM, with some light exercise or meditation to energize the mind and body. Study sessions should be planned in 2–3 hour blocks with short breaks in between to maintain focus and avoid burnout. Morning hours (6:30–9:30 AM) are ideal for reading comprehension, solving mock tests, or tackling difficult subjects when the mind is fresh. After a nutritious breakfast, the mid-morning session (10:30 AM–1:00 PM) can be dedicated to theory-based subjects like Economics, Polity, or General Studies. Post-lunch (2:00–4:00 PM) is best suited for revision, current affairs, or solving previous year papers. An evening break followed by a lighter study session (6:00–8:00 PM) focused on quizzes or practice questions ensures retention. Nighttime (after 8:30 PM) should be kept for relaxing, light reading, or watching educational videos. Sufficient sleep of 7–8 hours is essential for mental clarity. Staying consistent, managing distractions, and reviewing goals weekly are key to maintaining this routine effectively.

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India’s banking sector is gradually becoming more prepared for the adoption of AI-based fraud detection systems, but several challenges and opportunities remain. With the rapid digitization of financial services, the volume and complexity of banking transactions have increased significantly, making traditional rule-based fraud detection methods inadequate. Leading public and private sector banks have already begun deploying machine learning algorithms, real-time analytics, and predictive modeling to detect unusual transaction patterns, identity theft, and phishing attempts. The Reserve Bank of India (RBI) has also encouraged the use of emerging technologies to enhance cyber resilience and financial security. However, widespread adoption faces hurdles like data silos, legacy IT infrastructure, shortage of skilled AI professionals, and concerns over data privacy and governance. Moreover, smaller banks and cooperative institutions often lack the resources to implement such advanced systems. To fully harness AI’s potential, India’s banking ecosystem must invest in cloud computing, big data infrastructure, and interoperable platforms, while ensuring compliance with regulatory standards. Overall, while the sector is on the right path, achieving robust, AI-driven fraud detection across all banking institutions requires systemic upgrades, regulatory support, and strategic collaboration between fintechs, banks, and government bodies.

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One key characteristic of the money market is that it deals with short-term borrowing and lending of funds, typically with maturities of one year or less. It is a sector of the financial market where highly liquid, low-risk instruments are traded, such as Treasury bills, certificates of deposit, commercial paper, and repurchase agreements. The money market serves as a means for governments, financial institutions, and corporations to manage their short-term funding needs, while also offering investors a safe and relatively stable place to park their money for a short period. The low-risk nature of the instruments traded in the money market ensures a high degree of liquidity, which allows participants to quickly convert their investments into cash. This characteristic makes the money market an essential component of the broader financial system, facilitating efficient cash flow and short-term financial management.

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The primary objective of the Goods and Services Tax (GST) is to create a unified and simplified indirect tax structure across India by replacing multiple state and central taxes with a single comprehensive tax. This aims to eliminate the cascading effect of taxes (tax on tax), thereby reducing the overall tax burden on consumers and businesses. GST promotes the concept of “One Nation, One Tax, One Market,” facilitating seamless movement of goods and services across state borders and fostering a common national market. It enhances tax compliance, broadens the tax base, and increases transparency in the taxation system through its technology-driven administration. Ultimately, GST seeks to boost the country’s economic efficiency, improve ease of doing business, and contribute to higher revenue generation for both the Centre and the States.

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In March 2025, the Indian government introduced several policies with significant implications for the nation’s economy. A pivotal development was India’s decision to lower tariffs on electric vehicles (EVs) to facilitate a trade agreement with the United States. This move aims to resolve trade tensions and potentially attract foreign EV manufacturers like Tesla to the Indian market. However, domestic automakers have expressed concerns about increased competition, which could impact local EV production and market share . Concurrently, the U.S. imposed a universal 10% tariff on all imports, with India facing a 26% rate due to its high import duties on U.S. goods. Despite this, analysts suggest that India’s stock market may be more resilient compared to other Asian economies, given that exports to the U.S. constitute only 2% of India’s GDP. The estimated impact on GDP growth is relatively modest, between 0.3 to 0.5 percentage points . Additionally, the appointment of Poonam Gupta, a former economist at the World Bank and IMF, as the new deputy governor of India’s central bank, is expected to influence monetary policy, particularly in areas like inflation targeting and exchange rate management . These policy shifts reflect India’s strategic efforts to balance international trade relations, bolster economic resilience, and navigate the complexities of the global economic landscape.

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