RPSC RAS/RTS Mains Exam 2018-19 Practice Question Answer
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 Gurubhakt Bhils sacrificed their 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 into 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, it has 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 public at 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 Un-banked 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-
Pradhanmantri 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 on crop 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 is a 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 yojna – started on Jan 2015 for accidental insurance and covers up to Rs 2lakh 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 licenses have 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. Differentiate between Acute and Chronic diseases, with the help of some examples.
Answer: Acute conditions are severe and sudden in onset. This could describe anything from a broken bone to an asthma attack. A chronic condition, by contrast is a long-developing syndrome, such as osteoporosis or asthma. An acute asthma attack occurs in the midst of the chronic disease of asthma.
Examples of acute diseases include appendicitis, acute leukemia, and strep throat. Some acute diseases do not require hospitalization or medical treatments, such as influenza, whereas others, such as pneumonia and acute myocardial infarction, may require medical attention and extended treatment.
Examples of chronic illnesses include diabetes, heart disease, arthritis, kidney disease, HIV/AIDS, lupus, and multiple sclerosis. Many people with these illnesses become depressed. In fact, depression is one of the most common complications of chronic illness.
5. Enumerate a few reasons that cause phenomenon of ‘Forgetting’ in humans
Answer: This explanation of forgetting in short term memory assumes that memories leave a trace in the brain. A trace is some form of physical and/or chemical change in the nervous system. Trace decay theory states that forgetting occurs as a result of the automatic decay or fading of the memory trace.
There are three ways in which you can forget information in the STM:
- Decay: This occurs when you do not ‘rehearse’ information, ie you don’t contemplate it.
- Displacement: Displacement is quite literally a form of forgetting when new memories replace old ones.
6. Name a few schemes targeted for poverty alleviation in India
Answer: The poverty alleviation programmes in India can be categorized based on whether it is targeted for rural areas or urban areas. Most of the programmes are designed to target rural poverty as prevalence of poverty is high in rural areas. Also targeting poverty is challenging in rural areas due to various geographic and infrastructure limitations.
The programmes can be mainly grouped into:
1) Wage employment programmes
2) Self-employment programmes
3) Food security programmes
4) Social security programmes
5) Urban poverty alleviation programmes.
The five year plans immediately after independence tried to focus on poverty alleviation through sectoral programmes.
1 Jawahar Gram Samridhi Yojana (JGSY)
2 National Old Age Pension Scheme (NOAPS)
3 National Family Benefit Scheme (NFBS)
4 National Maternity Benefit Scheme
6 Integrated Rural Development Program (IRDP)
7 Pradhan Mantri Gramin Awaas Yojana
7. Identify and describe (in brief) different types of sheep in the state of Rajasthan
Answer: Breeds of Sheep in Rajasthan
Jaisalmeri: Found in Jaisalmer.
Naali: Found in Hanumangarh, Churu and Bikaner & Jhunjhunu. …
Maalpuri: Found in Jaipur, Dausa, Tonk, Karauli & Sawai madhopur.
Magra: Gives approximately 2 Kg of Wool per year.
Pugal: Originated from Pugal in Bikaner.
Chokla or Shekhawati
Sonari or Chanothar
8. Determine the respective importance of generalists and specialists in the Indian Administration
Answer: A generalist species is able to thrive in a wide variety of environmental conditions and can make use of a variety of different resources (for example, a heterotrophy with a varied diet). A specialist species can thrive only in a narrow range of environmental conditions or has a limited diet.
It is not necessarily true that you would prefer a specialist all the time. A specialist is one who has mastered the skill of one particular trade while a generalist is someone who has a fair knowledge of all trades but not an expert in any. In other words a generalist is Jack.
9. What do you understand by the term ‘Ownership?
Answer: Ownership is the state or fact of exclusive rights and control over property, which may be an object, land/real estate or intellectual property. Ownership is self-propagating in that the owner of any property will also own the economic benefits of that property.
10. Describe the salient features of demography of Rajasthan in the latest census
Answer: As per details from Census 2011, Rajasthan has population of 6.86 Crores, an increase from figure of 5.65 Crore in 2001 census. Total population of Rajasthan as per 2011 census is 68,548,437 of which male and female are 35,550,997 and 32,997,440 respectively. In 2001, total population was 56,507,188 in which males were 29,420,011 while females were 27,087,177. The total population growth in this decade was 21.31 percent while in previous decade it was 28.33 percent. The population of Rajasthan forms 5.66 percent of India in 2011. In 2001, the figure was 5.49 percent.
Recently as per Rajasthan census data, 93.22% houses are owned while 5.36% were rented. In all, 66.73% couples in Rajasthan lived in single family. In 2011, 68.02% of Uttar Pradesh population had access to Banking and Non-Banking Finance Corporation. Only 1.80% of Uttar Pradesh population had internet facility which is likely to improve in 2021 due to Jio. 4.66% of family in Uttar Pradesh owned car while 24.06% owned two wheeler. In few months we will also get details of election data for Rajasthan.
11. Describe the status and potential of non-conventional sources of energy in Rajasthan.
Answer: Rajasthan has become the leading state in tapping wind energy and solar energy for power generation in the country. According to the Government of Rajasthan, the estimated wind energy potential in the state is estimated to be about 5400 MW. A total of 3065.55 MW wind power capacity has been installed by December 2014.
Now, the emphasis has shifted to tapping more of solar Energy for power production and Rajasthan has signed MoUs with investors for setting up of a cumulative generation capacity of 32000 MW in the solar sector recently.
“Rajasthan shines on the solar map of India with 300-330 clear sunny days comparable to deserts of California, Nevada, Colorado and Arizona. Within the state the districts such as Barmer, Bikaner, Jaisalmer, and Jodhpur are the key regions with best solar radiation. Rajasthan is endowed with two critical resources that are essential to solar power production: high level of solar radiation (6-7 kWh/ m2/ day) and large tracts of relatively flat, undeveloped land,” informs the website of resurgent Rajasthan.
Currently development of Solar-park at Jodhpur is in progress to create 2000 MW Solar Power Plant and Rajasthan has taken the lead ahead of all other states in this sector too. With regard to solar energy production, it is said that the world’s largest 4,000 MW solar project would be built in two phases in Sambhar block of Jaipur.
The first phase will be of 1000 MW and most likely will be commissioned by the end of 2016. Rajasthan is one of India’s most solar-developed states, it is said. As we know that solar energy is the most important non-conventional source of energy because it is non-polluting and helpful in lessening the greenhouse effect.
Rajasthan has decided for promoting generation of electricity from biomass also and is encouraging investments in the sector. The main source for biomass energy in the State of Rajasthan is mustard husk and Julie flora.