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Dear Readers, Daily Current Affairs Questions Quiz in Hindi for IBPS, SBI, RRB, SSC Exam 2024 of 27th September 2024. Daily GK quiz online for bank & competitive exam. Here we have given the Daily Current Affairs Quiz in Hindi based on the previous days Daily Current Affairs updates. Candidates preparing for IBPS, SBI, RRB, SSC Exam 2024 & other competitive exams can make use of these Current Affairs Quiz.
1) सेबी के नए दिशानिर्देशों के अनुसार, 5 लाख रुपये तक की राशि के लिए स्टॉक ब्रोकरों के माध्यम से ऋण प्रतिभूतियों के सार्वजनिक निर्गम के लिए आवेदन करते समय खुदरा निवेशकों को किस भुगतान पद्धति का उपयोग करना चाहिए?
(a) यूपीआई
(b) नेट बैंकिंग
(c) चेक
(d) डेबिट कार्ड
(e) डिमांड ड्राफ्ट
2) बैंक ऑफ इंडिया (BoI) ने हाल ही में किस प्रकार के वित्तीय साधन के माध्यम से 7.49% की कूपन दर पर 2,500 करोड़ रुपये जुटाए हैं?
(a) टियर-I बांड
(b) टियर-II बांड
(c) इक्विटी शेयर
(d) वाणिज्यिक पत्र
(e) डिबेंचर
3) आईसीआरए (ICRA) के आकलन के अनुसार, मार्च 2027 तक संगठित स्वर्ण ऋण बाजार का अनुमानित आकार क्या है?
(a) 9.2 लाख करोड़ रुपए
(b) 10 लाख करोड़ रुपए
(c) 12 लाख करोड़ रुपए
(d) 15 लाख करोड़ रुपए
(e) 18 लाख करोड़ रुपए
4) क्लियरिंग कॉरपोरेशन ऑफ इंडिया के आंकड़ों के अनुसार, सितंबर 2024 में कौन सा बैंक जमा प्रमाणपत्र (सीडी) का सबसे बड़ा जारीकर्ता था?
(a) एचडीएफसी बैंक
(b) बैंक ऑफ बड़ौदा
(c) केनरा बैंक
(d) भारतीय स्टेट बैंक
(e) आईसीआईसीआई बैंक
5) यूपीआई का पूर्ण रूप क्या है, जिसे भारत अफ्रीका और दक्षिण अमेरिका के कई देशों में डिजिटल भुगतान प्रणाली के निर्माण के लिए एक मॉडल के रूप में उपयोग कर रहा है?
(a) यूनिफाइड पेमेंट इंटरफ़ेस
(b) यूनिवर्सल पेमेंट इंटीगरेशन
(c) यूजर पेमेंट इनिशिएटिव
(d) यूनाइटेड पेमेंट इनिशिएटिव
(e) यूनिवर्सल पेमेंट इंटरफ़ेस
6) बंदरगाह, जहाजरानी और जलमार्ग मंत्रालय (MoPSW) ने जहाज निर्माण और मरम्मत क्लस्टरों की स्थापना के लिए किन पांच राज्यों की घोषणा की?
(a) गुजरात, तमिलनाडु, कर्नाटक, आंध्र प्रदेश और महाराष्ट्र
(b) गुजरात, आंध्र प्रदेश, महाराष्ट्र, केरल और ओडिशा
(c) महाराष्ट्र, गोवा, केरल, तमिलनाडु और ओडिशा
(d) गुजरात, हरियाणा, राजस्थान, आंध्र प्रदेश और केरल
(e) पश्चिम बंगाल, केरल, महाराष्ट्र, ओडिशा और गुजरात
7) हाल ही में (सितंबर 2024) प्रधानमंत्री नरेंद्र मोदी ने क्रांतिज्योति सावित्रीबाई फुले स्मारक और अन्य परियोजनाओं का उद्घाटन करने के लिए किस राज्य का दौरा किया है?
(a) गुजरात
(b) महाराष्ट्र
(c) कर्नाटक
(d) आंध्र प्रदेश
(e) राजस्थान
8) सितंबर 2024 में, प्रधान मंत्री नरेंद्र मोदी ने अमेरिकी राष्ट्रपति जो बिडेन को उनकी मुलाकात के दौरान क्या उपहार दिया?
(a) एक हस्तनिर्मित लकड़ी की मूर्ति
(b) एक प्राचीन चांदी का, हाथ से उत्कीर्ण रेलगाड़ी मॉडल
(c) एक पारंपरिक भारतीय वस्त्र
(d) भारतीय इतिहास पर एक पुस्तक
(e) महात्मा गांधी की पीतल की प्रतिमा
9) नवीनतम समाचार (सितंबर 2024) के अनुसार, भारत के किस राज्य में 75 जिलों में 96 लाख एमएसएमई इकाइयों के साथ एमएसएमई का सबसे बड़ा आधार है?
(a) महाराष्ट्र
(b) तमिलनाडु
(c) पश्चिम बंगाल
(d) गुजरात
(e) उत्तर प्रदेश
10) सितंबर 2024 में जीएसटी दर युक्तिकरण पर मंत्रिसमूह (जीओएम) द्वारा चर्चा की गई शिक्षा सामग्री पर जीएसटी दर में प्रस्तावित परिवर्तन क्या है?
(a) 5% से 12% तक
(b) 12% से 5% तक
(c) 18% से 12% तक
(d) 12% से 8% तक
(e) कोई परिवर्तन प्रस्तावित नहीं
11) किस दूरसंचार कंपनी ने स्पैम कॉल और संदेशों की समस्या के समाधान के लिए भारत का पहला नेटवर्क–आधारित, AI-संचालित स्पैम डिटेक्शन समाधान लॉन्च किया है?
(a) वोडाफोन आइडिया
(b) रिलायंस जियो
(c) एमटीएनएल
(d) बीएसएनएल
(e) भारती एयरटेल
12) किस संगठन ने 23-24 सितंबर तक गोवा समुद्री संगोष्ठी (जीएमएस) 2024 के 5वें संस्करण की मेजबानी की?
(a) भारतीय तटरक्षक
(b) रक्षा मंत्रालय
(c) गोवा समुद्री बोर्ड
(d) भारतीय नौसेना
(e) नौसेना अनुसंधान संस्थान
13) बेंगलुरु स्थित किस अंतरिक्ष स्टार्टअप ने बेंगलुरु स्पेस एक्सपो 2024 के दौरान अल्ट्रा–लो अर्थ ऑर्बिट में संचालित करने के लिए डिज़ाइन किए गए एक अभिनव उपग्रह प्रोजेक्ट 200 का अनावरण किया?
(a) बेलाट्रिक्स एयरोस्पेस
(b) अग्निकुल कॉसमॉस
(c) स्काईरूट एयरोस्पेस
(d) एरोजेन स्पैसी
(e) सैटस्यूर
14) परमाणु हथियारों के सम्पूर्ण उन्मूलन हेतु अंतर्राष्ट्रीय दिवस प्रतिवर्ष किस तारीख को मनाया जाता है?
(a) सितम्बर 21
(b) सितम्बर 26
(c) अक्टूबर 20
(d) अगस्त 16
(e) दिसंबर 11
15) इस वर्ष 26 सितंबर को मनाए जाने वाले विश्व समुद्री दिवस का विषय क्या है?
(a) “सस्टेनेबल सीस: ए फ्यूचर फॉर आल”
(b) “एम्पोवरिंग मेरीटाइम नेशंस”
(c) “इनोवेशन इन मेरीटाइम ट्रांसपोर्ट”
(d) “नेविगेटिंग द फ्यूचर: सेफ्टी फर्स्ट!”
(e) “प्रोटेक्टिंग द ओशन”
16) कौन सा देश 2024 में 27 सितंबर को मनाए जाने वाले विश्व पर्यटन दिवस की मेजबानी कर रहा है?
(a) स्पेन
(b) जॉर्जिया
(c) इटली
(d) थाईलैंड
(e) ब्राज़िल
17) हाल ही में (सितंबर 2024) ज़ोहो ने अपने वार्षिक उपयोगकर्ता सम्मेलन, ज़ोहोलिक्स इंडिया में कौन से दो प्रमुख उत्पाद पेश किए?
(a) विक्रा और ज़ोहो फाइनेंस
(b) ज़ोहो मेल और ज़ोहो प्रोजेक्ट्स
(c) ज़ोहो क्रिएटर और ज़ोहो एनालिटिक्स
(d) विक्रा और ज़ोहो आईओटी
(e) विक्रा और ज़ोहो सीआरएम
18) वस्त्र मंत्रालय द्वारा घोषित चिकित्सा वस्त्र (गुणवत्ता नियंत्रण) आदेश, 2023 का उद्देश्य क्या है?
(a) पारंपरिक वस्त्रों को बढ़ावा देना
(b) महत्वपूर्ण चिकित्सा वस्त्र उत्पादों के लिए कड़े गुणवत्ता मानक स्थापित करना
(c) वस्त्रों के मूल्य निर्धारण को विनियमित करना
(d) हथकरघा बुनकरों को समर्थन प्रदान करना
(e) वस्त्र निर्यात बढ़ाना
19) वित्त मंत्रालय द्वारा उल्लिखित ऋण वसूली न्यायाधिकरण (डीआरटी) द्वारा निपटाए जा सकने वाले मामलों के लिए ऋण राशि की सीमा क्या है?
(a) 10 लाख रुपये
(b) 15 लाख रुपये
(c) 20 लाख रुपये
(d) 25 लाख रुपये
(e) 30 लाख रुपये
20) सितंबर 2024 में, किसने घोषणा की कि भारतीय स्टेट बैंक (SBI) ने भारतीय कॉरपोरेट्स से ₹4 लाख करोड़ की मजबूत क्रेडिट पाइपलाइन हासिल कर ली है?
(a) रजनीश कुमार
(b) दिनेश कुमार खारा
(c) सी. एस. सेट्टी
(d) अरुंधति भट्टाचार्य
(e) आदित्य पूरी
Answers :
1) उत्तर: A
भारतीय प्रतिभूति एवं विनिमय बोर्ड (सेबी) ने ऋण प्रतिभूतियों के सार्वजनिक निर्गमों के लिए आवेदन प्रक्रिया को सरल बनाने के लिए नए दिशा-निर्देश जारी किए हैं।
5 लाख रुपये तक की राशि के लिए स्टॉक ब्रोकरों के माध्यम से ऋण प्रतिभूतियों के सार्वजनिक निर्गमों के लिए आवेदन करने वाले खुदरा निवेशकों को फंड ब्लॉक करने के लिए केवल यूपीआई का उपयोग करना चाहिए।
Detailed Solution:
The Securities and Exchange Board of India (SEBI) has introduced new guidelines to streamline the application process for public issues of debt securities.
Retail investors applying for public issues of debt securities through stock brokers for amounts up to Rs 5 lakh should only use UPI to block funds.
Individual investors would continue to have the choice of availing other modes through the stock exchange platform for making an application in the public issue.
The new rules apply to:
Public issues of debt securities
Non-convertible redeemable preference shares
Municipal debt securities
Securitised debt instruments
The new rules will come into effect on November 1, 2024.
Key Changes :
Bank Account Linking: Investors need to provide their UPI-linked bank account details in the application form.
Shorter Review Periods: SEBI reduced the period for seeking public comments on the draft offer documents from 7 working days to 1 day for issuers whose specified securities are already listed and 5 days for other issuers.
Flexibility in Price Band Revisions: Issuers can now extend the bidding period by one working day in case of price band or yield revisions.
The minimum subscription period has been cut from 3 working days to 2 working days.
Further, in case of revision in the price band or yield, the bidding period disclosed in the offer documents, can be extended by one working day instead of 3 working days.
Alternative Options: Investors will continue to have the option of using Self-Certified Syndicate Banks or the stock exchange platform for applications.
Mandatory UPI for Public Debt Issues: SEBI has mandated that individual investors applying for public issues of debt securities through intermediaries (syndicate members, stock brokers, registrars, depository participants) for amounts up to ₹5 lakh must use UPI for blocking funds.
Rationale for the Change: Alignment: This move aligns the application process for debt securities with that of equity shares and convertibles.
Efficiency: UPI adoption is expected to streamline the application process, reduce paperwork, and save time.
Benefits to Investors:
Investors will experience a more convenient and efficient application process.
The use of UPI minimises the need for physical documentation.
UPI transactions are faster and more efficient than traditional banking methods.
2) उत्तर: B
बैंक ऑफ इंडिया (BoI) ने 7.49% की कूपन दर पर टियर-II बॉन्ड के माध्यम से 2,500 करोड़ रुपये जुटाए।
Detailed Solution:
Bank of India (BoI) raised Rs 2,500 crore through tier-II bonds at a coupon rate of 7.49%.
Key Highlights :
Investor Demand: The total order book was around ₹6,000 crore, reflecting strong investor interest.
76 investors, including banks and insurance companies, submitted bids for the issuance.
Market Context: The issuance followed a 50-basis-point rate cut by the US Federal Reserve, which influenced market sentiment and softened bond yields.
Capital Adequacy Impact: The funds raised will improve BoI’s capital adequacy ratio by approximately 40 basis points, bringing it to around 16% (from 16.18% as of June 30).
Future Fundraising Plans: BoI plans to raise an additional ₹2,500 crore through Additional Tier-I bonds by December 2024.
It also plans to raise ₹5,000 crore through infrastructure bonds.
Previous Fundraising: In July 2024 BoI raised ₹5,000 crore through 10-year infrastructure bonds at a 7.54% coupon rate.
The coupon rate for the recent Tier-II bonds was lower than a previous issuance, where the rate was 7.88%.
Comparison with SBI: In Sep 2024, State Bank of India (SBI) raised ₹7,500 crore at a coupon rate of 7.33% via Tier-II bonds, part of its ₹15,000 crore fundraising through Basel III-compliant bonds in FY25.
3) उत्तर: D
आईसीआरए के एक आकलन के अनुसार, बैंकों और एनबीएफसी से मिलकर संगठित स्वर्ण ऋण बाजार, चालू वित्त वर्ष में 10 लाख करोड़ रुपये का आंकड़ा पार करने के लिए तैयार है, जो वित्त वर्ष 24 में 9.2 लाख करोड़ रुपये था और मार्च 2027 तक 15 लाख करोड़ रुपये तक पहुंच जाएगा।
Detailed Solution:
According to an assessment by ICRA, the organised gold loan market, comprising banks and non-banking financial companies (NBFCs), is set to cross the ₹10-lakh-crore mark in the current fiscal from ₹9.2 lakh crore in FY24 and touch ₹15 lakh crore by March 2027.
Banks are the dominant players in the gold loan segment, primarily driven by gold jewellery-backed agricultural loans.
Key Highlights :
NBFC Growth: Non-banking financial companies (NBFCs) are positioned to lead in retail gold loans, with an expected growth rate of 17-19% in FY25 and a compound annual growth rate (CAGR) of 14-15% during FY26-27.
Market Share Trends: Public Sector Banks (PSBs) held about 63% of the gold loan market as of March 2024, up from 54% in March 2019.
The share of NBFCs and private banks decreased during the same period, while NBFCs maintained a stable share in retail gold loans over the past 3-4 years.
Competitive Landscape: A moderation in competitive intensity has led to some expansion in loan yields for NBFCs, although these yields still lag behind previous peaks by 200-300 basis points.
CAGR Performance: The organised gold loan segment experienced a CAGR of 25% during FY2020-24, with bank gold loans growing at a CAGR of 26% and NBFCs at 18%.
Retail Loan Dynamics: Bank retail gold loans grew by 32% on a lower base, resulting in a reduced share for NBFCs as they focused more on retail loans for consumption or business.
Collateral Growth: Growth in the gold loan book for NBFCs is largely influenced by gold prices, with modest branch additions and gold jewellery tonnage growth at 3-4%, compared to a higher growth of 18% during FY2020-24 for larger players.
Concentration of Market Share: The top four NBFC players accounted for 83% of the gold loan book share in March 2024, down from 90% two years ago, as new players entered the market.
Yield Pressures: While yield pressures faced by NBFCs in FY2022 and FY2023 have eased, they remain 200-300 basis points lower than their peak in FY20-21.
Credit costs have consistently remained below 0.5% over the past five years.
4) उत्तर: C
आरबीआई दिशानिर्देशों का प्रभाव: आरबीआई के नए दिशानिर्देश एचक्यूएलए, विशेष रूप से वैधानिक तरलता अनुपात (एसएलआर) निवेश की मांग बढ़ा सकते हैं, जिससे उधार और जमा से धन जुटाने की आवश्यकता होगी।
महत्वपूर्ण योगदानकर्ता: केनरा बैंक 68,250 करोड़ रुपये के साथ सबसे बड़ा जारीकर्ता था, उसके बाद बैंक ऑफ बड़ौदा (63,325 करोड़ रुपये) और एचडीएफसी बैंक (60,230 करोड़ रुपये) थे।
राज्य के स्वामित्व वाले बैंकों का प्रभुत्व: शीर्ष पांच जारीकर्ताओं में चार राज्य के स्वामित्व वाले बैंक और एचडीएफसी बैंक शामिल थे, जो सामूहिक रूप से कुल सीडी जारी करने का 61% हिस्सा थे, जबकि राज्य के स्वामित्व वाले बैंकों ने जुटाई गई कुल राशि का 68% हिस्सा बनाया।
जारी करने की अवधि: सितंबर में लगभग 72% जारी करने वाले तीन महीने के खंड के लिए थे, जिनकी कुल राशि 3.8 ट्रिलियन रुपये थी।
Detailed Solution:
According to data from the Clearing Corporation of India, Banks issued ₹1.35 trillion worth of Certificates of Deposit (CDs) in September 2024, a 65% increase compared to August.
Key Highlights :
Highest Issuance in FY25: The issuance in September is the second-highest monthly CD issuance for FY25, after ₹1.45 trillion in June.
Year-on-Year Growth: Banks issued ₹7.78 trillion in CDs between January and August 2024, compared to ₹4.9 trillion in the same period of 2023, reflecting a 59% growth.
Future Pressure on Deposits: Banks are expected to face ongoing pressure to raise deposits in Q3 (October-December 2024), driven by upcoming Reserve Bank of India (RBI) guidelines related to liquidity coverage ratio (LCR).
Impact of RBI Guidelines: New RBI guidelines could increase demand for high-quality liquid assets (HQLA), particularly statutory liquidity ratio (SLR) investments, necessitating funding from borrowings and deposits.
Significant Contributors: Canara Bank was the largest issuer with Rs 68,250 crore, followed by Bank of Baroda (Rs 63,325 crore) and HDFC Bank (Rs 60,230 crore).
Dominance of State-Owned Banks: The top five issuers included four state-owned banks and HDFC Bank, which collectively accounted for 61% of total CD issuances, with state-owned banks making up 68% of the total amount raised.
Issuance Duration: Approximately 72% of the issuances in September were for the three-month segment, totaling Rs 3.8 trillion.
Rising Rates: Interest rates on three-month and six-month CDs have increased by 2 basis points in September 2024.
5) उत्तर: A
भारत अफ्रीका और दक्षिण अमेरिका के कई देशों के साथ चर्चा कर रहा है ताकि उन्हें एकीकृत भुगतान इंटरफेस (यूपीआई) को एक मॉडल के रूप में उपयोग करके डिजिटल भुगतान प्रणाली बनाने में मदद मिल सके।
Detailed Solution:
India is in discussions with several countries in Africa and South America to help them build digital payment systems using the Unified Payments Interface (UPI) as a model.
Two UPI-like systems are expected to launch by late 2026 or early 2027.
The National Payments Corporation of India (NPCI) oversees retail payment systems in India and operates UPI, the most popular digital payment method in the country.
UPI’s monthly transaction volume surged by 41% to nearly 15 billion in August, 2024.
Key Highlights:
NPCI International (NIPL): NPCI’s international arm, NIPL, promotes the adoption of India’s payment systems overseas.
NIPL has held discussions with at least 20 countries in Africa and South America for developing UPI-like payment systems.
Agreements with Peru and Namibia have been signed to help them develop real-time payment systems, with expected launches by 2026-2027.
Global Linkages: NIPL is working to link UPI with other countries’ real-time payment systems, like Singapore’s PayNow. Currently, there are seven such links with more in development.
NIPL Team Expansion: NIPL plans to double its current 60-member team by March 2025, expanding its overseas operations beyond Singapore and the Middle East.
CEO of NPCI International Payments Ltd (NIPL): Ritesh Shukla
6) उत्तर: B
बंदरगाह, जहाजरानी और जलमार्ग मंत्रालय (MoPSW) ने पांच राज्यों: गुजरात, आंध्र प्रदेश, महाराष्ट्र, केरल और ओडिशा में जहाज निर्माण और मरम्मत क्लस्टर की स्थापना की घोषणा की।
Detailed Solution:
The Ministry of Ports, Shipping and Waterways (MoPSW) announced the establishment of ship-building and repair clusters in five states: Gujarat, Andhra Pradesh, Maharashtra, Kerala, and Odisha.
These clusters aim to enhance the strategic importance of India’s shipbuilding and ship repair industry.
Container Handling Projections:
Over the next five years, container handling capacity across Indian ports is expected to reach 40 million TEUs (Twenty-foot Equivalent Units).
This expansion is projected to create 2 million job opportunities.
Jawaharlal Nehru Port Authority (JNPA) will increase its capacity from 6 million TEUs to 10 million TEUs, becoming the first Indian port to reach this milestone.
Hydrogen Manufacturing Hubs:
The ministry has allotted 3,900 acres of land in Deendayal Port Authority (DPA) and O. Chidambaranar Port Trust (VoCPA) for the development of hydrogen manufacturing hubs.
This initiative is expected to attract investments worth over ₹5 lakh crore.
International Container Transshipment Port (ICTP) at Galathea Bay:
Galathea Bay, located in Great Nicobar Island, will become a major transshipment hub, improving shipping connectivity.
Vadhvan Port:
Vadhvan Port, India’s first major port project of the 21st century, is positioned to become one of the largest all-weather deep-water ports with a capacity of 298 MMTPA.
The port is expected to generate 1.2 million employment opportunities and rank an Indian port among the top 10 container ports globally, significantly reducing transit times and costs.
7) उत्तर: B
प्रधानमंत्री नरेंद्र मोदी ने महाराष्ट्र के पुणे का दौरा किया।
वे 22 हजार 600 करोड़ रुपये से अधिक की लागत वाली विभिन्न परियोजनाओं का उद्घाटन, शिलान्यास और राष्ट्र को समर्पित करेंगे
क्रांति ज्योति सावित्रीबाई फुले स्मारक
शिलान्यास:
स्थान: भिडेवाड़ा
महत्व: प्रथम बालिका विद्यालय पहल
Detailed Solution:
Prime Minister Narendra Modi visited Pune in Maharashtra.
He will inaugurate, lay the foundation stone, and dedicate to the nation various projects worth over 22 thousand 600 crore rupees
Pune Metro (Phase-1) Completion
Inauguration:
Metro Section: District Court to Swargate
Cost: ₹1,810 crore
Foundation Stone:
Project: Swargate-Katraj Extension (5.46 km, underground)
Cost: ₹2,950 crore
Kranti Jyoti Savitribai Phule Memorial
Foundation Stone:
Location: Bhidewada
Significance: First Girls’ School initiative
Supercomputing and Meteorology Initiatives
PARAM Rudra Supercomputers:
Count: Three
Cost: ₹130 crore
Locations: Pune, Delhi, Kolkata
High-Performance Computing (HPC) System:
Investment: ₹850 crore
Purpose: Enhancing weather and climate research
Names of Systems: ‘Arka’ and ‘Arunika’
Petroleum and Natural Gas Sector Projects
Total Investment: ₹10,400 crore
Focus Areas: Energy infrastructure, clean mobility, driver conveniences
Way Side Amenities for Truck Drivers:
Number of Locations: 1,000 retail outlets
Cost: ₹2,170 crore
Energy Stations Launch:
Investment: ₹6,000 crore
Objective: Providing multi-energy options
Electric Vehicle (EV) Charging and LNG Stations
EV Charging Facilities:
Number: 500
Target: 10,000 charging stations by FY 2025
Investment: ₹1,500 crore
LNG Stations:
Count: 20 across the country
Future Development: 50 LNG Fuel Stations worth ₹500 crore
Solapur Airport Inauguration
Capacity: 4.1 lakh passengers annually
Impact: Improved connectivity
Bidkin Industrial Area Dedication
Area: 7,855 acres
Program: National Industrial Corridor Development
Overall Project Cost: Over ₹6,400 crore
Significance: Economic hub development in Marathwada
8) उत्तर: B
प्रधानमंत्री श्री नरेंद्र मोदी ने संयुक्त राज्य अमेरिका (यूएस) के राष्ट्रपति श्री जो बिडेन और प्रथम महिला जिल बिडेन को भारत की समृद्ध सांस्कृतिक विरासत के प्रतीक उपहार भेंट किए।
राष्ट्रपति बिडेन को एक प्राचीन चांदी का, हाथ से उकेरा हुआ ट्रेन मॉडल मिला, जिसके मुख्य डिब्बे पर “दिल्ली-डेलावेयर” लिखा हुआ था, जो भारत-अमेरिका के मजबूत संबंधों का प्रतीक है।
प्रथम महिला जिल बिडेन को एक जटिल रूप से डिज़ाइन किए गए पेपर माचे बॉक्स में पश्मीना शॉल उपहार में दिया गया।
Detailed Solution:
Prime Minister Shri Narendra Modi presented gifts to United States (US) President Mr Joe Biden and First Lady Jill Biden, symbolizing India’s rich cultural heritage.
President Biden received an antique silver, hand-engraved train model with “Delhi-Delaware” inscribed on the main carriage, signifying strong India-US ties.
First Lady Jill Biden was gifted a Pashmina shawl in an intricately designed Papier Mache box.
About Antique Silver Train Model:
Crafted by artisans from Maharashtra, known for its heritage in silver craftsmanship.
Made of 92.5% silver with intricate detailing achieved through techniques like engraving, repousse, and filigree work.
Inscribed with “Delhi-Delaware” on the carriage and “Indian Railways” on the engine in both English and Hindi, reflecting standard passenger train formats in India.
About Pashmina Shawl:
A Pashmina shawl, known for its high quality, was gifted to First Lady Jill Biden.
The shawl is sourced from Jammu and Kashmir and features vibrant hues from natural dyes derived from plants and minerals.
9) उत्तर: E
उत्तर प्रदेश (यू.पी.) में भारत में सूक्ष्म, लघु और मध्यम उद्यमों (MSME) का सबसे बड़ा आधार है, जिसमें 75 जिलों में 96 लाख एमएसएमई इकाइयाँ फैली हुई हैं।
एमएसएमई उत्तर प्रदेश में कृषि के बाद दूसरे सबसे बड़े रोजगार सृजनकर्ता हैं, जो राज्य के औद्योगिक परिवर्तन में प्रमुख भूमिका निभाते हैं।
Detailed Solution:
Uttar Pradesh (U.P.) has the largest base of Micro, Small, and Medium Enterprises (MSMEs) in India, with 96 lakh MSME units spread across 75 districts.
MSMEs are the second-largest job creators in the U.P. after agriculture, playing a major role in the state’s industrial transformation.
Key Highlights :
One District One Product (ODOP) Scheme: U.P.’s ODOP scheme promotes unique products from each of the 75 districts, boosting local industries.
P. Infrastructure: 6 expressways are operational, and construction is ongoing for seven more.
11 airports are operational, with work progressing on 10 others.
4 international airports are functional, with Noida International Airport (Jewar) expected to be completed by the end of the year.
The Ganga Expressway, the longest in the country, is expected to be completed before the Prayagraj Mahakumbh in 2025.
P. International Trade Show-2024: Over 2,500 exhibitors and 350 foreign buyers attended the trade show, highlighting U.P.’s potential in business, culture, and diversity.
G2G and G2B Initiatives: Government-to-Government (G2G) and Government-to-Business (G2B) initiatives are being showcased to emphasize U.P.’s growth and industrial capabilities.
10) उत्तर: B
जीएसटी दर युक्तिकरण पर मंत्रियों का समूह (जीओएम) शिक्षा सामग्री पर जीएसटी को 12% से घटाकर 5% करने की ओर झुक रहा है। इस कदम का उद्देश्य लोगों के एक बड़े वर्ग को राहत प्रदान करना है।
Detailed Solution:
The Group of Ministers (GoM) on GST rate rationalisation is leaning towards reducing the GST on education materials from 12% to 5%. This move is intended to provide relief to a large section of people.
Increase in GST on Textiles and Apparel:
The GoM is also considering raising the GST rate on textiles and apparel priced above ₹1,000 from the current 5% to either 12% or 18%.
The goal is to achieve revenue neutrality, raising the weighted average GST rate closer to its original target of 15.5%, as it had fallen below 11% due to various rate reductions since the introduction of GST in July 2017.
Revenue Neutral Rate (RNR):
When GST was implemented, the Revenue Neutral Rate (RNR) was calculated at 15.5%, but subsequent tax rate cuts on various items reduced the actual weighted average GST rate to below 11%.
Pending Issues:
Health insurance and its possible exemption from GST, as well as changes to the four-slab GST structure (5%, 12%, 18%, and 28%), were not discussed in this meeting. These will be taken up in subsequent GoM meetings scheduled for October 19 and 20.
Potential GST Structure Changes:
There have been discussions about moving to a three-slab GST structure. The proposed slabs are 9%, 18%, and 27%, which would replace the existing four-slab structure.
The fitment committee of the GST Council has already submitted its recommendations to the GoM, which will deliberate on them in future meetings.
GoM Members:
The GoM is led by Bihar Deputy Chief Minister Samrat Chaudhary and includes six members, such as Uttar Pradesh Finance Minister Suresh Kumar Khanna, Rajasthan Health Services Minister Gajendra Singh, Kerala Finance Minister K N Balagopal, and West Bengal FM Chandrima Bhattacharya.
11) उत्तर: E
भारत में स्पैम कॉल और संदेशों की बढ़ती समस्या से निपटने के लिए एक अभूतपूर्व पहल में, भारती एयरटेल ने देश का पहला नेटवर्क-आधारित, AI-संचालित स्पैम डिटेक्शन समाधान लॉन्च किया है।
इस अग्रणी उपकरण का उद्देश्य अपने ग्राहकों के लिए स्पैम संचार को काफी हद तक कम करना है।
Detailed Solution:
In a groundbreaking initiative to tackle the growing issue of spam calls and messages in India, Bharti Airtel has launched the country’s first network-based, AI-powered spam detection solution.
This pioneering tool aims to reduce spam communication for its customers significantly.
Key Features of the Spam Detection Solution
Real-Time Alerts:
The solution notifies customers in real-time about suspected spam calls and SMS, enhancing protection against unwanted communications.
Automatic Activation:
The spam detection service is free of charge and will be automatically activated for all Airtel customers, eliminating the need for service requests or app downloads.
Dual-Layer Protection:
Developed in-house by Airtel’s data scientists, the solution employs a dual-layered AI shield:
Network Layer: Filters spam at the network level.
IT Systems Layer: Offers an additional layer of security.
High Processing Capability:
The system processes approximately:
1.5 billion SMS and
2.5 billion calls daily. This efficiency allows it to evaluate up to 1 trillion records in real-time.
How the AI Algorithm Works
Dynamic Analysis:
The AI algorithm analyzes various real-time factors, including:
Caller or sender’s usage patterns
Frequency and duration of calls/SMS
Other communication parameters
Spam Pattern Recognition:
By cross-referencing communication behaviors against known spam patterns, the system effectively flags suspected spam calls and messages.
Protection Against Malicious Links:
The solution alerts customers about potentially harmful links received via SMS:
A centralized database of blacklisted URLs is utilized.
Each SMS is scanned in real-time to warn users against clicking suspicious links.
Anomaly Detection:
The system can also identify unusual activities, such as frequent changes in IMEI numbers, which are common indicators of fraudulent behavior.
Impact and Performance
Spam Identification:
Since its implementation, the solution has successfully identified:
100 million potential spam calls and
3 million spam SMS on a daily basis.
12) उत्तर: D
गोवा समुद्री संगोष्ठी (GMS) 2024 के 5वें संस्करण की मेजबानी भारतीय नौसेना ने 23-24 सितंबर 24 को नौसेना युद्ध कॉलेज, गोवा के तत्वावधान में की।
गोवा समुद्री संगोष्ठी का यह संस्करण नौसेना युद्ध कॉलेज के नवनिर्मित, अत्याधुनिक चोल भवन में आयोजित किया गया।
गोवा समुद्री संगोष्ठी 2024 भारत और हिंद महासागर क्षेत्र के प्रमुख समुद्री देशों के बीच सहयोगी सोच, सहयोग और आपसी समझ को बढ़ावा देने का एक मंच है।
विषय: GMS 2024 का विषय था “हिंद महासागर क्षेत्र (IOR) में आम समुद्री सुरक्षा चुनौतियाँ – IUU मछली पकड़ने और अन्य अवैध समुद्री गतिविधियों जैसे गतिशील खतरों को कम करने के लिए प्रयासों की प्रगतिशील रेखाएँ।”
Detailed Solution:
The 5th edition of Goa Maritime Symposium (GMS) 2024 was hosted by the Indian Navy from 23-24 September 24 under the aegis of Naval War College, Goa.
This edition of the Goa Maritime Symposium was conducted in the newly inaugurated, state-of-the-art Chola building of the Naval War College.
Goa Maritime Symposium 2024 is a forum for fostering collaborative thinking, cooperation, and mutual understanding between India and key maritime nations of the Indian Ocean Region.
Theme: The theme for GMS 2024 was “Common Maritime Security Challenges in the Indian Ocean Region (IOR) – Progressing Lines of Effort to Mitigate Dynamic Threats such as IUU Fishing and Other Illegal Maritime Activities.”
The theme aligns with the Indian Government’s vision of Security and Growth for All in the Region (SAGAR).
Participants: Representatives from 12 Indian Ocean Littoral countries: Bangladesh, Comoros, Indonesia, Madagascar, Malaysia, Maldives, Mauritius, Myanmar, Seychelles, Singapore, Sri Lanka, and Thailand.
Observers from Kenya and Tanzania.
Participants were officers of Captain/ Commander equivalent rank from the navies or maritime security agencies of friendly foreign countries.
Key Discussions: Focused on non-traditional maritime threats in the IOR, such as Illegal, Unreported, and Unregulated (IUU) fishing and other maritime crimes.
Discussions on collaborative information-sharing mechanisms, regional cooperation, and strategies to mitigate emerging maritime threats.
Strategic Importance: Deliberations from GMS 2024 will feed into the Goa Maritime Conclave scheduled for 2025.
About Goa Maritime Symposium (GMS):
It was conceptualised and instituted by the Indian Navy in 2016.
The symposium is conducted biennially by the Naval War College (NWC), Goa.
4th edition of the biennial Goa Maritime Symposium was conducted successfully by the Indian Navy at Goa from 31 October to 01 November 2022.
13) उत्तर: A
संक्षिप्त समाधान:
बेंगलुरु स्थित अंतरिक्ष स्टार्टअप बेलाट्रिक्स एयरोस्पेस ने बेंगलुरु स्पेस एक्सपो 2024 के उद्घाटन के दिन प्रोजेक्ट 200 का अनावरण किया, जो एक अभिनव उपग्रह है जिसे अल्ट्रा-लो अर्थ ऑर्बिट (180 किमी-250 किमी) में संचालित करने के लिए डिज़ाइन किया गया है।
Detailed Solution:
Bengaluru-based space startup Bellatrix Aerospace unveiled Project 200, an innovative satellite designed to operate at an Ultra-Low Earth Orbit (180 km-250 km) on the inaugural day of the Bengaluru Space Expo 2024.
About Project 200:
“Project 200 is a technology demonstration mission to qualify a new unconventional satellite powered by an innovative propulsion system at around 200 km.
Traditionally, satellites have been deployed in orbits at altitudes well above 450 km.
This altitude choice has been influenced by various considerations, such as the desire to minimise the impact of atmospheric interference on satellite operations.
Though it is known that a satellite’s capabilities improve significantly at 200 km, limitations on propulsion technology have prevented satellites from operating at this orbit.
According to Bellatrix, at 200 km, a satellite’s capability would improve significantly since the communication latency is reduced by half and image resolution is improved by three times.
The cost of the satellite is also less when compared to spacecraft placed in 450 km orbits.
14) उत्तर: B
परमाणु हथियारों के खतरे के बारे में जागरूकता बढ़ाने और उनके उन्मूलन को बढ़ावा देने के लिए हर साल 26 सितंबर को परमाणु हथियारों के पूर्ण उन्मूलन के लिए अंतर्राष्ट्रीय दिवस मनाया जाता है।
Detailed Solution:
The International Day for the Total Elimination of Nuclear Weapons is celebrated on September 26th every year to raise awareness about the threat of nuclear weapons and to promote their elimination.
Overview
Purpose: To raise awareness about the threat posed by nuclear weapons and promote their elimination.
Established: Declared by the UN General Assembly (UNGA) in 2013.
Historical Context
1978: First Special Session of the UNGA focused on disarmament, reaffirming the priority of nuclear disarmament.
1946: Formation of the Atomic Energy Commission aimed at proposing measures for controlling nuclear energy and eliminating weapons of mass destruction.
Key UNGA Initiatives
Comprehensive Disarmament (1959)
Special Session on Disarmament (1978)
Support for the Treaty on the Prohibition of Nuclear Weapons (TPNW)
International Cooperation
Membership in Groups:
Wassenaar Arrangement: Controls the transfer of conventional arms and dual-use goods and technologies.
Australia Group (AG): Aims to prevent the proliferation of chemical and biological weapons.
Missile Technology Control Regime (MTCR): Aims to prevent the proliferation of missile technology capable of delivering weapons of mass destruction.
15) उत्तर: D
विश्व समुद्री दिवस, सितंबर के आखिरी गुरुवार को प्रतिवर्ष मनाया जाता है। इस वर्ष, विश्व समुद्री दिवस 26 सितंबर को मनाया जा रहा है।
समुद्री उद्योग में नाविकों, समुद्री अधिकारियों और सेवा एजेंटों सहित उनके योगदान को पहचानें और उनका सम्मान करें।
थीम: ” नेविगेटिंग द फ्यूचर: सेफ्टी फर्स्ट!”
Detailed Solution:
World Maritime Day, is observed annually on the last Thursday of September, This year, World Maritime Day is taking place on September 26
Recognize and honour the contributions of those in the maritime industry, including seafarers, marine officials, and service agents.
Theme for 2024
Theme: “Navigating the Future: Safety First!”
Focus: The theme emphasises:
Enhancing safety and security in the maritime sector.
Protecting the marine environment while adapting to technological advancements.
Alignment with SDGs:
Connected to the UN 2030 Agenda for Sustainable Development and several Sustainable Development Goals (SDGs):
SDG 7: Affordable and sustainable energy.
SDG 8: Economic growth and decent work.
SDG 9: Resilient infrastructure and sustainable industrialization.
SDG 13: Climate action.
SDG 14: Conservation of oceans and marine resources.
Key Events and Initiatives
WMO-IMO Symposium on Extreme Maritime Weather:
Dates: September 23-26, 2024
Location: IMO Headquarters, London
Purpose: Discussing extreme maritime weather and its impacts.
Historical Context
Formation of IMO:
An international conference in Geneva in 1948 led to the creation of the International Maritime Organization (IMO).
The IMO was established to oversee technological collaboration, environmental regulation, legal issues, and ensure safety within the maritime sector.
First World Maritime Day:
Celebrated for the first time on March 17, 1978, marking the establishment of the IMO Convention.
16) उत्तर: B
विश्व पर्यटन दिवस प्रतिवर्ष 27 सितंबर को मनाया जाता है।
2024 के लिए, मेजबान देश त्बिलिसी, जॉर्जिया है, और थीम “पर्यटन और शांति” है।
पहला पालन: विश्व पर्यटन दिवस को पहली बार 27 सितंबर 1980 को संयुक्त राष्ट्र विश्व पर्यटन संगठन (UNWTO) द्वारा अंतर्राष्ट्रीय पालन के रूप में मनाया गया था।
Detailed Solution:
World Tourism Day is celebrated annually on 27th September. For 2024, the host country is Tbilisi, Georgia, and the theme is “Tourism and Peace”.
History and Background
First Observance: World Tourism Day was first celebrated as an international observance on 27th September 1980 by the United Nations World Tourism Organization (UNWTO).
Significance of the Date: The date was chosen to commemorate the adoption of the statutes of the UNWTO on 27th September 1970.
Host Country Selection: At the Twelfth Session in Istanbul, Turkey in 1997, the UNWTO General Assembly decided that each year a different country would host World Tourism Day as a partner in the celebration.
Initiation of the Day
The idea for World Tourism Day was proposed by the late Ignatius Amaduwa Atigbi, a Nigerian who played a key role in advocating for its establishment.
World Tourism Day Symbolism
The colour associated with World Tourism Day is blue, symbolizing peace, the sea, and the sky, which are closely linked with travel and tourism.
17) उत्तर: D
चेन्नई स्थित वैश्विक प्रौद्योगिकी कंपनी ज़ोहो ने अपने वार्षिक उपयोगकर्ता सम्मेलन, ज़ोहोलिक्स इंडिया में दो प्रमुख पेशकशें पेश की हैं। ये नए उत्पाद – विक्रा और ज़ोहो IoT – डिजिटल कॉमर्स और इंटरनेट ऑफ़ थिंग्स (IoT) समाधानों में महत्वपूर्ण प्रगति का प्रतिनिधित्व करते हैं।
Detailed Solution:
Chennai-based global technology company Zoho has introduced two major offerings at its annual user conference, Zoholics India.
These new products—Vikra and Zoho IoT—represent significant advancements in digital commerce and Internet of Things (IoT) solutions.
Vikra: Seller App for ONDC
Purpose:
Vikra is designed to facilitate the onboarding of businesses onto the Open Network for Digital Commerce (ONDC). It streamlines the process of setting up online stores and managing product catalogues within the ONDC network.
Features:
Business Onboarding: Simplifies the integration of businesses into the ONDC ecosystem.
Operational Management: Provides tools for managing operations and reconciling payments from the ONDC network.
Customer Dispute Resolution: Offers solutions for addressing and resolving customer disputes.
Integration: Can be integrated with Zoho’s existing applications like Zoho Books, Zoho Inventory, and Zoho Commerce.
Cost: Introductory fee of 1% of the total transaction amount per sale.
Zoho IoT: Low-Code Platform for Custom IoT Solutions
Purpose:
Zoho IoT enables businesses to build and deploy custom IoT solutions with ease. It is a low-code platform designed to collect, manage, and analyze IoT device data in real time.
Features:
Real-Time Data Management: Collects and manages data from IoT devices.
AI Capabilities: Provides actionable insights, predicts system outages, identifies anomalies, and forecasts trends.
Operational Optimization: Helps in optimizing operations and improving customer experiences.
Pricing: Plans start from INR 2,940 for up to 25 devices and INR 29,940 for up to 500 devices.
18) उत्तर: B
वस्त्र मंत्रालय ने मेडिकल टेक्सटाइल्स (गुणवत्ता नियंत्रण) आदेश, 2023 की घोषणा की है, जो 1 अक्टूबर, 2024 से लागू होगा।
इस ऐतिहासिक पहल का उद्देश्य महत्वपूर्ण मेडिकल टेक्सटाइल उत्पादों के लिए कड़े गुणवत्ता मानक स्थापित करना है।
Detailed Solution:
The Ministry of Textiles has announced the Medical Textiles (Quality Control) Order, 2023, which will come into effect on October 1, 2024.
This landmark initiative aims to establish stringent quality standards for critical medical textile products.
Scope of the Regulation
The Quality Control Order (QCO) applies to essential medical textile products including:
Sanitary Napkins
Baby Diapers
Reusable Sanitary Pads
Dental Bibs
Objectives and Compliance
Mandatory Certifications: To ensure that these products consistently meet essential quality benchmarks.
Legal Requirement: Compliance with the standards will be legally required, with penalties for non-compliance.
Exemptions: Small-scale enterprises and Self-Help Groups (SHGs) are exempt from the QCO requirements to address potential challenges.
Specifications and Testing
Standards: The QCO refers to specific standards such as:
IS 5404:2019 for sanitary napkins
IS 17509:2021 for disposable baby diapers
Performance Criteria: Includes testing for:
pH Levels
Hygiene
Bacterial and Fungal Bioburden
Biocompatibility Evaluations
Biodegradability
Phthalate Levels: Special emphasis on testing for phthalates in baby diapers due to their potential health and environmental risks.
Implementation and Licensing
Bureau of Indian Standards (BIS) License: Required for manufacturing, importing, distributing, selling, hiring, leasing, storing, or displaying products covered by the QCO.
Objective: To ensure all products meet high safety standards, protecting public health and environmental safety.
19) उत्तर: C
नियामक अपडेट: डीआरटी विनियम 2024 में 2015 के पहले के विनियमों की तुलना में बेहतर सुविधाएँ शामिल की जाएँगी, जिसका उद्देश्य डीआरटी प्रक्रिया को अधिक प्रभावी और कम समय लेने वाला बनाना है।
डीआरटी की भूमिका: डीआरटी विशेष न्यायिक निकाय हैं, जिन्हें बैंकों और वित्तीय संस्थानों को बकाया ऋण वसूली अधिनियम, 1993 (डीआरटी अधिनियम) के तहत स्थापित किया गया है, जो लेनदारों के अधिकारों को लागू करने और ऋण वसूली में तेज़ी लाने के लिए महत्वपूर्ण हैं।
मामले की सीमा: डीआरटी 20 लाख रुपये से अधिक के विवादित ऋणों से जुड़े मामलों को संभाल सकते हैं।
Detailed Solution:
The Finance Ministry has urged banks to establish a clearly defined policy for handling small and high-value cases pending in Debt Recovery Tribunals (DRTs).
It has been emphasised that some of the best practices can be adopted across DRTs for better outcomes.
Key Highlights :
Regulatory Updates: The DRT Regulations 2024 will introduce improved features compared to the earlier 2015 regulations, aiming to make the DRT process more effective and less time-consuming.
Role of DRTs: DRTs are specialized judicial bodies set up under the Recovery of Debts Due to Banks and Financial Institutions Act, 1993 (DRT Act), crucial for enforcing creditor rights and expediting debt recovery.
Case Threshold: DRTs can handle cases involving disputed loans exceeding ₹20 lakh.
SARFAESI Act: The Securitisation and Reconstruction of Financial Assets & Enforcement of Security Interest Act, 2002 (SARFAESI Act) allows banks and financial institutions to recover secured debts without court intervention at the initial stage.
Current Infrastructure: There are currently 39 DRTs and 5 Debt Recovery Appellate Tribunals (DRATs) operating across India, each led by a Presiding Officer and a Chairperson, respectively.
Debt Recovery Importance: The effectiveness of DRTs is crucial for maintaining creditor confidence and improving the overall financial health of banks and financial institutions in India.
20) उत्तर: C
भारतीय स्टेट बैंक (एसबीआई) के चेयरमैन सी.एस. सेट्टी ने घोषणा की कि बैंक ने भारतीय कॉरपोरेट्स से 4 लाख करोड़ रुपये की मजबूत क्रेडिट पाइपलाइन हासिल की है।
वित्त वर्ष की दूसरी छमाही में निजी क्षेत्र के पूंजीगत व्यय में वृद्धि की उम्मीद है।
Detailed Solution:
State Bank of India (SBI) Chairman C. S. Setty announced that the bank has secured a strong credit pipeline of ₹4 lakh crore from Indian corporates.
There is an expectation for an increase in private sector capital expenditure in the second half of the fiscal year.
Key Highlights:
Key sectors for infrastructure financing include:
Roads
Renewable energy
Refineries
Government Capital Expenditure: Finance Minister Nirmala Sitharaman proposed an 11.1% increase in capital expenditure to ₹11.11 lakh crore for the fiscal year 2024-25.
This proposed expenditure represents 3.4% of India’s GDP.
Corporate Capital Expenditure: Some corporates are undertaking brownfield expansion funded by their own cash accruals and balances.
SBI General Insurance: SBI infused an additional capital of ₹489.67 crore into SBI General Insurance Company Ltd during the 2023-24 fiscal year.
The bank’s stake in SBI General Insurance has decreased from 69.95% to 69.11% due to the allotment of Employee Stock Ownership Plans (ESOPs) to employees.
Reserve Bank of India (RBI) Policy Rate: Setty indicated that the RBI is unlikely to ease the benchmark policy rate in 2024, citing concerns over food inflation.
US Federal Reserve Interest Rate Cut: The US Federal Reserve recently cut the interest rate by 50 basis points, marking its first reduction in over four years.
The federal funds rate is now in the range of 4.75% to 5%.
