RAS Mains Exam Test Series
RAS/RTS Mains Exam Test-Full Syllabus
1. What do you know about ‘Jallianwala Bagh of Rajasthan’?
- Mangarh Dham (MANGARH HILL) is known as Jallianwala Bagh of Rajasthan
- In a barbaric tribal massacre that was executed on November 17, 1913, nearly a century ago, 500 odd tribal martyrs were killed by British Rulers, in Santrampur taluka of tribal dominated Panchmahal district.
- Govind Guru and Mangarh massacre have become part of the memory of Bhils. Despite this, it was buried in remote areas of Banswara-Panchmahal, situated on the border of Rajasthan and Gujarat, and this historic tragedy could not have been more than a footnote in the history of India’s freedom fight.
- He awakened the Bhil community and filled them with a sense of patriotism. The Bhils were so inspired that they sacrificed their lives for freedom. Later, 1500 Guru bhakt Bhils sacrificed heir lives while fighting against the British army. It is therefore also known as Jallianwala Bagh of Rajasthan.
2. Enumerate the steps taken by the Indian government to implement financial inclusion in the country?
Answer: – Financial Inclusion
Financial inclusion simply means to ensure that everyone gets the benefit of the financial services of the nation at an affordable cost in spite of whatever background he belongs. It especially focuses on including Underprivileged and vulnerable group of the society in to the economy and providing them with its benefit and thus further causing growth of GDP (Gross Domestic Product) of the country through increase of customer base of the financial institutes which will further results in high profits for future and this cycle will keep going with increasing profits.
It enhances GDP growth by broadening the resource base of the financial system by developing a culture of savings among large segment of rural population bringing low-income groups within the perimeter of formal banking sector thus plays its own role in the process of economic development
India and Financial Inclusion
As far as India is concerned it has a long history of putting efforts to have financial inclusion and to some extent, ithas been successful as compared to starting stages of building up of Indian economy after independence but there are still many milestones yet to be achieved in this process. And efforts of current government have enhanced financial inclusion in the society to many folds but we still are in the process figuring out to use this in favoring our economy and make everyone in the reach of its benefit and for this, there are various government schemes available.
Steps and Schemes followed by India for Financial Inclusion
- Swabhiman Campaign
- Business correspondent Model
Under this model financial Institutes appoint commission agents who provide financial Services at the doorstep of the publicat remote areas where they are unable to open branches which result in large customer base at low cost. Therefore this model is also known as the cost-efficient model.
Various steps taken in area of banking for financial inclusion are:-
RBI’s Compulsory Requirement of Opening Branches in Unbanked Villages, banks is directed to allocate at least 25% of the total number of branches to be opened during the year in un-banked (Tier 5 and Tier 6) rural centers.
No Frill account- The Central bank had introduced ‘no-frills’ accounts in 2005 to provide basic banking facilities to poor and promote financial inclusion. The accounts could be maintained without or with very low minimum balance. These were later converted into BSBDA
BSBDA- RBI advised all banks to open Basic Saving Bank Deposit (BSBD) accounts with minimum common facilities such as no minimum balance, deposit, and withdrawal of cash at bank branch and ATMs,receipt/ credit of money through electronic payment channels, facility of providing ATM card
JAN DHAN Account- These are similar to BSBDA but with little more features as earlier bank were reluctant to open BSBDA account. Banks also do not provide good service to BSBDA account holder. They even denied service like the debit card. But after JHAN DHAN Yojna this scenario has been completely changed
JHAN DHAN account holder is compulsorily issued RUPAY debit card and many more services. It certainly increased the financial inclusion and made bank account opening a cake walk
Account age should be at least 6 months
Account holder should visit ATM branches at least once in 90 days
Income should be up to 1 lakh per year in rural areas and up to 1.5 lakh year for urban areas
In order to control public to borrow from Schedule banks to lend fix amount in priority sector at affordable rate of interest along with certain government schemes such as – Pradhan Mantri Mudra Yojna, Pradhan Mantri Awas Yojna etc.
For Insurance Sector–
Insurance sector also plays a major role in financial inclusion of a country and thus government has various schemes in this sector among which few most recent schemes are-
Pradhan mantri Fasal Bima Yojna: This is a general insurance for crops and this scheme started from Feb 2016 by NDA government and replaced the earlier scheme of UPA government named “National Agricultural Insurance” with few more advantages such as low premium oncrop insurance, use of technology for weather forecasting (like smartphones,drones, remote sensing satellites), Future generation of claim and post-harvest benefits e.t.c
Pradhan Mantri Jeevan Jyoti Yojna : It isa life insurance scheme from age of 18-50 years (benefit until 55 years) at a premium of Rs 330+(18%gst). It covers till 2 lakh Rs and is under LIC India on behalf of the government of India. Pradhan Mantri Suraksha Bima yojana – started on Jan 2015 for accidental insurance and covers up to Rs 2 lakh in case of death and Rs 1 lakh in case of physical disability at a premium of (Rs 12+GST) for the age group of 18 to 70 years and is under HDFC life on behalf of government of India
Recent steps still in progress
On Recommendation of Nachiket More committee there are various measures are going on among which one is opening of two special kinds of banks in India which are
Payment banks– These banks will only accept deposit from public and will not lend loans, these payment banks will provide payment services and deposit products to its target customers which will be small businesses and low-income households. Till date 11 license shave been granted out of which four banks are functional which are – Paytm,Airtel, Indian postal payment bank, Phinopayment.
Small finance banks– Small finance banks are a type of niche banks in India. Banks with a small finance bank license can provide basic banking service of acceptance of deposits and lending.
3. Where is Kaila Devi temple located in Rajasthan?
Answer:Kaila Devi Temple is a Hindu temple situated in the Kaila Devi Village of Karauli district, in the Indian state of Rajasthan. The temple is located on the banks of the Kalisil River, a tributary of the Banas River in the hills of Aravali.
4. Why no precipitation in Kachchh and Western Rajasthan?
There is no mountain barrier to tap the advancing winds. As the Aravallis have an almost north-south axis, they fail to block the passage of these monsoon currents(which rather blow parallel to the Aravallis) and lift them.
The monsoon currents heading towards Rajasthan are rather shallow and are superimposed by stable anti-cyclonic air.
The hot and dry continental air masses from western Pakistan (Baluchistan) are drawn towards the thermal low developed in this region. These air masses check the ascent of air and absorb its moisture.
Theseconditions are unfavourable for precipitation in Kachchh and western Rajasthan where desert conditions prevail.
Some of the currents from the Arabian Sea branch manage to proceed towards Chhotanagpur plateau through the Narmada and Tapti gaps. These currents ultimately unitewith the Bay of Bengal branch.
Although a few air currents from the main Arabian Sea branch are diverted northward towards Kachchh and the Thar Desert, these currents continue upto Kashmir without causing rain anywhere on their way. In fact, an east-to- west line drawn near Karachi in Pakistan practically marks the limit of the monsoon rainfall.
5. What are the component and function of human blood?
Answer:Blood has a number of functions that are central to survival
- Supplying oxygen to cells and tissues.
- Providing essential nutrients to cells, such as amino acids, fatty acids, and glucose.
- Removing waste materials, such as carbon dioxide, urea, and lactic acid.
- Transporting oxygen and nutrients to the lungs and tissues.
- Forming blood clots to prevent excess blood loss.
- Carrying cells and antibodies that fight infection.
- Bringing waste products to the kidneys and liver, which filter and clean the blood
- Regulating body temperature.
It has four main components: plasma, red blood cells, white blood cells, and platelets.Blood has many different functions, including: transporting oxygen and nutrients to the lungs and tissues. Forming blood clots to prevent excess blood loss.
6. What is LR-SAM or MR-SAM?
Barak 8 also known as LR-SAM or as MR-SAM is an Indian-Israeli surface-to-air missile, designed to defend against any type of airborne threat including aircraft, helicopters, anti-ship missiles, and UAVs as well as ballistic missiles, cruise missiles and combat jets.
India’s decision to buy more Barak 8 Long-Range Surface-to-Air Missile (LR-SAM) systems from Israel would significantly bolsterNavy’s ability to to defend against incoming ariel attacks. The Long-Range Surface-to-Air Missile (LR-SAM) system is an operational Air and Missile Defence (AMD) system used by Israel’s navy as well as by India’s navy, air and land forces.
LRSAM has long-range engagement capability to penetrate deep water and land to intercept all types of aerial targets like subsonic and supersonic missiles, fighter aircraft, maritime patrolling aircraft (MPA), helicopter and sea skimming missiles. It is capable of countering latest generation anti-ship missiles.
Important Facts about Barak-8 missiles:
- Barak 8 was jointly developed by Israel Aerospace Industries (IAI), Defence Research and Development Organisation(DRDO), Israel’s Administration for the Development of Weapons and Technological Infrastructure, Elta Systems, Rafael and other companies.
- The Barak 8 has a length of about 4.5 meters, a diameter of 0.225 meters at missile body, and 0.54 meters at the booster stage, a wingspan of 0.94 meters and weighs 275 kg including a 60 kg warhead which detonates at proximity.
- The missile has maximum speed of Mach 2 with a maximum operational range of 70 km, which was later increased to 100 km.
- Barak 8 features a dual pulse rocket motor as well as Thrust vector control, and possesses high degrees of maneuverability at target interception range.
- Barak-8 incorporates state-of-the-art phased array multi-mission radar, two-way data link, and a flexible command and control system, enabling users to simultaneously engage multiple targets dayand night and in all weather conditions.
- Also Read | Akash, PAD, AAD and nowS-400 triumph air defence missile system
- Barak-8 integrates several advanced systems as digital radar, command and control, launchers, interceptors with modern radio frequency seekers, data link and system-wide connectivity.
- Indian Navy has already deployed the missiles on Kolkata class stealth guided-missile destroyer.
- The Indian Army has also ordered five regiments of MRSAM version of this missile, which consists of about 40 launchers and 200 missiles for ₹17,000 crore. It is expected to be deployed by 2023 with first deliveries commencing in 2020. MRSAM is the land based configuration of the missile.
- The land based configuration of themissile consists of a command and control system, tracking radar, missile and mobile launcher systems.
- The new contract announced by IAI wasentered with Bharat Electronics Limited (BEL), which serves as the main contractor in the project.