Q.110 marks · 150w 9 min Medium
Subtopic: Economy · Investment models (PPP)
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Introduction: Indian Railways capex ₹2.65 lakh crore in Budget 2025-26; Amrit Bharat Station Scheme covers 1,309 stations on PPP/EPC mix; HAM widely used in NH but limited in rail.
Body: 1) Station redevelopment — Rail Land Development Authority bids for Nagpur, Gwalior, Ayodhya. 2) Dedicated Freight Corridors mostly EPC; PPP for terminals (PFTs, GCT). 3) Constraints — risk allocation, ridership guarantee, RVNL/IRCON role overlap.
Way forward: Adopt Kelkar Committee 2015 risk-allocation matrix; institutionalise Public Private Partnership Appraisal Committee (PPPAC); allow viability gap funding for transformative corridors.
Key points- Railway capex ₹2.65 lakh crore FY26
- Amrit Bharat Station Scheme — 1,309 stations
- HAM (Hybrid Annuity Model) — 40% government, 60% private
- Kelkar Committee on PPP 2015
- RLDA for station and land monetisation
- Private Freight Terminal (PFT) policy
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Q.215 marks · 250w 14 min Hard
Subtopic: Economy · Investment models
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Introduction: NITI Aayog's 'Investment Opportunities in India's Healthcare Sector' (2021) projects $370 billion market by 2025; healthcare PPP underdeveloped vs roads/airports.
Body: 1) Models compared — BOT (full private risk), HAM (40:60 risk-share), Swiss Challenge (unsolicited bid + counter). 2) Healthcare specifics — high public-good content, low IRR, regulatory complexity. 3) Lessons — Karnataka cath lab PPP success; Andhra Aarogyasri; Niti's PMJAY hospital PPP guidelines.
Way forward: Use HAM with Viability Gap Funding under DEA Scheme (₹8,100 crore extended FY25); standard model concession agreements; National Monetisation Pipeline expansion to district hospitals via NITI VGF.
Key points- Healthcare market $370 bn by 2025 (NITI 2021)
- BOT — Build, Operate, Transfer; private bears full risk
- HAM — 40% govt, 60% private debt-equity
- Swiss Challenge — unsolicited proposal + counter bids
- VGF Scheme extended ₹8,100 crore
- Standard Model Concession Agreement (MCA)
- Kelkar Committee 2015 risk-allocation
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Q.310 marks · 150w 9 min Easy
Subtopic: Economy · FDI
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Introduction: DPIIT FDI Statistics show FY24 gross FDI inflows $70.95 billion; FDI policy consolidated under Consolidated FDI Policy 2020 (latest review 2024); FEMA-governed.
Body: 1) Routes — Automatic (most sectors 100%), Government (defence beyond 74%, telecom beyond 49% pre-2024 reform). 2) Capped sectors — insurance 74% (FDI Act 2021), banking private 74%, defence 74%/100% case-by-case, single-brand retail 100% automatic with conditions. 3) Prohibited — lottery, gambling, atomic energy, chit funds.
Way forward: Liberalise space (allowed 100% Apr 2024) and nuclear; PLI-linked FDI promotion; bilateral investment treaty renegotiation under 2016 Model BIT.
Key points- FY24 gross FDI inflows $70.95 billion (DPIIT)
- Consolidated FDI Policy 2020 (latest amend 2024)
- Insurance 74% (Act 2021)
- Defence 74% automatic, 100% Govt route
- Telecom 100% automatic (2021 reform)
- Space sector — 100% automatic (April 2024)
- FEMA 1999 governs FDI
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Q.415 marks · 250w 14 min Medium
Subtopic: Economy · FDI
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Introduction: DPIIT data: FY24 gross FDI inflows $70.95 billion vs $84.83 billion peak in FY22; outward FDI commitments crossed $46 billion in FY24 (RBI Bulletin).
Body: 1) Causes — global rate cycle, China-plus-one slow uptake, US-EU reshoring, BIT vacuum (most BITs terminated post-2016 Model BIT). 2) Sectors — services (39%), computer software, telecom, automobiles attract bulk. 3) Outflows — Indian conglomerates' overseas acquisitions, GIFT IFSC routing. 4) Policy — InvestIndia, NSWS (National Single Window System).
Way forward: Renegotiate BITs (UAE 2024, Australia ongoing); operationalise NSWS as single-window for clearances; sectoral PLI linkage; revisit Model BIT 2016 ISDS clause.
Key points- Gross FDI FY24 $70.95 billion (DPIIT)
- Outward FDI commitments $46 billion FY24
- Peak FDI $84.83 billion FY22
- Services 39% of FDI equity
- NSWS launched 2021 — 32 ministries onboarded
- Model BIT 2016 — strict ISDS provisions
- GIFT IFSC routing for FDI
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Q.510 marks · 150w 9 min Easy
Subtopic: Agriculture · Cropping patterns
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Introduction: Kharif sown with south-west monsoon (June-Oct), harvested Sep-Oct; Rabi sown Oct-Dec, harvested Mar-May; Ministry of Agriculture's 4th Advance Estimates 2023-24 records 332.3 MT foodgrain.
Body: 1) Kharif — rice, jowar, bajra, cotton, soybean; depends on monsoon; supported by Pradhan Mantri Krishi Sinchayee Yojana (PMKSY). 2) Rabi — wheat, mustard, gram, peas; depends on residual moisture and irrigation; supported by Pradhan Mantri Fasal Bima Yojana (PMFBY).
Way forward: Crop diversification under Rashtriya Krishi Vikas Yojana; align MSP with sustainability incentives; expand PMKSY 'per drop more crop'.
Key points- Foodgrain output 332.3 MT (4th AE 2023-24)
- Kharif — rice, cotton, bajra, soybean
- Rabi — wheat, gram, mustard, peas
- PMKSY launched 2015
- PMFBY launched 2016 — 36 crore farmer enrollments cumulative
- MSP for 23 crops
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Q.615 marks · 250w 14 min Hard
Subtopic: Agriculture · MSP
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Introduction: MSP covers 23 crops; Standing Committee on Agriculture report 2024 notes only 6-7% of farmers receive MSP; SC-appointed committee on farm laws (chair Anil Ghanwat) reported July 2022.
Body: 1) Case for — income security, formalise procurement beyond paddy-wheat, climate-resilient diversification. 2) Case against — fiscal cost (₹10 lakh crore estimate by NITI), WTO AMS exposure under Article 6.4, market distortion. 3) Architecture — CACP recommends, CCEA decides; A2+FL vs C2 debate (Swaminathan formula).
Way forward: Strengthen Price Deficiency Payment under PM-AASHA; legal guarantee only for diversification basket; e-procurement via NAFED/e-Samridhi; WTO Peace Clause renegotiation.
Key points- MSP for 23 crops; CACP recommendations
- 6-7% farmers receive MSP (Standing Committee 2024)
- Swaminathan formula — C2 + 50%
- Fiscal cost estimate ₹10 lakh crore (NITI)
- WTO AMS de minimis 10% limit
- SC committee on farm laws — July 2022 report
- PM-AASHA covers PSS, PDPS, PPSS
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Q.710 marks · 150w 9 min Medium
Subtopic: Agriculture · Irrigation
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Introduction: PMKSY-Per Drop More Crop covers 87.5 lakh hectares (MoAFW Dashboard Mar 2025); potential 70 million hectares; agriculture uses 78% of India's water (NITI Composite Water Management Index 2019).
Body: 1) Modes — drip and sprinkler, subsidies up to 55% for small farmers. 2) Constraints — fragmented holdings (avg 1.08 ha, Agricultural Census), credit access, free power-water nexus. 3) Micro Irrigation Fund under NABARD ₹5,000 crore corpus.
Way forward: Scale MIF Phase-II (₹5,000 cr top-up); link drip subsidy to crop diversification; integrate with PM-KUSUM solar pumps; expand Atal Bhujal Yojana behavioural piece.
Key points- Per Drop More Crop coverage 87.5 lakh ha (MoAFW Mar 2025)
- Potential micro-irrigation area 70 million ha
- Agriculture share of water 78% (NITI CWMI)
- Micro Irrigation Fund (NABARD) ₹5,000 crore
- Small farmer subsidy 55%
- PM-KUSUM solar pump targets 35 lakh
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Q.815 marks · 250w 14 min Hard
Subtopic: Agriculture · Irrigation
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Introduction: Central Ground Water Board Assessment 2024 reports 14.21% of blocks 'over-exploited'; Punjab, Haryana, Western UP and Rajasthan worst; agriculture consumes ~85% of groundwater.
Body: 1) Drivers — flat power tariff (free in 11 states), MSP-paddy lock-in, weak metering. 2) Schemes — Jal Shakti Abhiyan: Catch the Rain (2021), Atal Bhujal Yojana (₹6,000 crore, World Bank co-financed). 3) Behavioural — Crop diversification, DSR (direct-seeded rice).
Way forward: Implement Mihir Shah Committee recommendations; expand Paani Bachao Paise Kamao (Punjab pilot); link MSP to water-use efficiency; mandatory metering under Atal Bhujal Phase-II.
Key points- 14.21% blocks over-exploited (CGWB 2024)
- Agriculture 85% of groundwater
- Jal Shakti Abhiyan: Catch the Rain (2021)
- Atal Bhujal Yojana — ₹6,000 crore, 7 states
- Mihir Shah Committee 2016
- Paani Bachao Paise Kamao — Punjab pilot
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Q.915 marks · 250w 14 min Medium
Subtopic: Agriculture · Storage & marketing
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Introduction: Ramesh Chand-NITI study: post-harvest losses 4.6%-15.9% across crops; Agricultural Infrastructure Fund (AIF) ₹1 lakh crore sanctioned through FY33 (MoAFW dashboard).
Body: 1) Storage deficit — 145 MT capacity vs 311 MT foodgrain production; cold storage skewed to potato. 2) AIF disbursals — over ₹50,000 crore sanctioned to 80,000+ projects (Apr 2025). 3) FCI silos — modern steel silos 11.50 LMT (replacing CAP). 4) Cooperative push — World's Largest Grain Storage Plan via PACS approved May 2023, ₹1 lakh crore.
Way forward: Operationalise PACS-led storage in 5,000 villages; expand WDRA-registered warehouses for e-NWR pledge loans; CIPHET-led cold chain training.
Key points- Post-harvest losses 4.6%-15.9% (NITI/ICAR)
- AIF ₹1 lakh crore, sanctions >₹50,000 crore
- Storage deficit 145 MT vs ~311 MT output
- PACS storage plan ₹1 lakh crore (May 2023)
- WDRA Act 2007 — e-NWRs
- FCI steel silos 11.5 LMT capacity
- CIPHET cold chain training
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Q.1010 marks · 150w 9 min Medium
Subtopic: Agriculture · Marketing
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Introduction: e-NAM launched 14 April 2016; SFAC dashboard records 1,389 mandis across 23 states/UTs and 1.78 crore registered farmers (Mar 2025); cumulative trade ₹3.43 lakh crore.
Body: 1) Architecture — Platform of Platforms (since 2022) with private mandi software integration. 2) Bottlenecks — APMC reform reversal in states, weak assaying labs, logistics, inter-state trade <1%. 3) Standing Committee on Agriculture 2023 noted lab-to-payment lag.
Way forward: Push Model APMC Act 2017 and Model Contract Farming Act 2018 to states; expand BHIM-UPI integration; FPO onboarding under 10,000 FPO mission.
Key points- e-NAM launched 14 April 2016
- 1,389 mandis across 23 states/UTs (Mar 2025)
- Cumulative trade ₹3.43 lakh crore
- Platform of Platforms since 2022
- Inter-state trade <1% of e-NAM volume
- Model APMC Act 2017 and Contract Farming Act 2018
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Q.1110 marks · 150w 9 min Medium
Subtopic: Agriculture · Marketing
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Introduction: Central Sector Scheme '10,000 FPOs' launched Feb 2020 with ₹6,865 crore outlay; SFAC dashboard records 9,500+ FPOs registered (Mar 2025); 22,000 gramin haats targeted for upgradation under GrAMs (Gramin Agri Markets) since 2018.
Body: 1) FPOs aggregate produce, access institutional credit (NABARD equity grant), bargain with retailers. 2) Gramin haats upgrade weighed under MGNREGA convergence to last-mile markets. 3) Constraints — leadership capacity, credit linkages, low e-NAM onboarding (~3,500 FPOs).
Way forward: Equity Grant Fund expansion via SFAC; FPO-led custom hiring centres; integration with e-NAM and ONDC agri pilots.
Key points- 10,000 FPO scheme — ₹6,865 crore (Feb 2020)
- 9,500+ FPOs registered (Mar 2025)
- 22,000 gramin haats — GrAMs upgradation
- NABARD Equity Grant up to ₹15 lakh per FPO
- FPO Credit Guarantee Fund ₹1,000 crore
- ONDC agri onboarding pilots
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Q.1210 marks · 150w 9 min Medium
Subtopic: Agriculture · MSP & procurement
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Introduction: Open-ended procurement — government commits to buy all marketed surplus offered at MSP; FCI rice/wheat stocks (Apr 2025) at ~57 MT vs strategic buffer norm 21.04 MT.
Body: 1) Distortions — paddy-wheat lock-in in Punjab-Haryana; groundwater stress, ecological damage. 2) Fiscal — Food subsidy ₹2.03 lakh crore Budget 2025-26. 3) Storage — open-CAP storage losses (CAG 2023 noted ₹6,000+ crore wastage estimates).
Way forward: Cap procurement at buffer norms with Decentralised Procurement; price-deficiency payment for excluded crops; nutrition-sensitive PDS with millets.
Key points- FCI stocks ~57 MT (Apr 2025) vs norm 21.04 MT
- Food subsidy ₹2.03 lakh crore (Budget 2025-26)
- Open-ended procurement at MSP
- Decentralised Procurement Scheme
- Buffer norm: 21.04 MT (Apr 1, FCI)
- CAG flagged CAP wastage 2023
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Q.1315 marks · 250w 14 min Medium
Subtopic: Agriculture · PDS
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Introduction: PDS launched 1960s for urban areas; TPDS 1997 introduced; National Food Security Act 2013 entitles 81.35 crore beneficiaries; ONORC operational across all 36 states/UTs since June 2022.
Body: 1) Evolution — TPDS, Antyodaya Anna Yojana (1.5 crore households), PMGKAY extended five years from Jan 2024 (₹11.8 lakh crore). 2) ONORC — Integrated Management of PDS (IMPDS) on Annavitran portal; over 145 crore portability transactions. 3) Gaps — exclusion errors (Census 2011 base), 35 kg vs PMGKAY 5 kg per person per month difference, FPS leakage.
Way forward: Use SECC 2021 once finalised; e-PoS Aadhaar authentication penetration; cash transfer pilots in surplus states; biometric exemption for elderly.
Key points- NFSA 2013 covers 81.35 crore
- ONORC operational across 36 states/UTs (Jun 2022)
- PMGKAY extended 5 years Jan 2024 — ₹11.8 lakh crore
- AAY — 1.5 crore households
- IMPDS-Annavitran portal
- 145+ crore portability transactions
- Census 2011 still the base
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Q.1410 marks · 150w 9 min Easy
Subtopic: Agriculture · Food security
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Introduction: Food Corporation of India Act 1964; Section 17 mandates price stability via procurement and buffer; current buffer norms — wheat 21 LMT (Jan 1) to 275 LMT (Apr 1), rice scaling similarly.
Body: 1) Functions — price support, market stabilisation, PDS supply, strategic reserve. 2) Operations — MSP procurement from Punjab-Haryana, intra-state transport, storage at 1,800+ depots. 3) Open Market Sale Scheme (OMSS) for price moderation.
Way forward: Cost optimisation under Shanta Kumar Committee 2015; outsource procurement to states (DCP expansion); modernise depots via steel silos.
Key points- FCI Act 1964 — Section 17
- Buffer norms 21.04 MT (Apr 1)
- OMSS for price stabilisation
- Shanta Kumar Committee 2015
- 1,800+ FCI depots
- PMGKAY extended five years
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Q.1515 marks · 250w 14 min Medium
Subtopic: Agriculture · Food processing
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Introduction: MoFPI Annual Report 2023-24: food processing 7.7% of manufacturing GVA, 12.2% of agri GVA; PMKSY (Pradhan Mantri Kisan Sampada Yojana, formerly SAMPADA) operational since 2017; perishable processing only ~10%.
Body: 1) Constraints — backward linkages, cold chain (only 8.4 lakh MT vs 31 lakh MT demand), credit, MSME formalisation. 2) PMKSY components — Mega Food Parks (24 operational), cold chain (320), integrated cold chains. 3) Operation Greens for TOP (tomato-onion-potato) → All Fruits & Vegetables since 2021.
Way forward: Converge with PM Formalisation of Micro Food Processing Enterprises (PMFME, ₹10,000 crore); align with ONE District ONE Product (ODOP); CIPHET R&D for shelf-life extension.
Key points- Food processing 7.7% of mfg GVA (MoFPI 2023-24)
- PMKSY since 2017 (rebranded SAMPADA)
- 24 Mega Food Parks operational
- 320 cold chain projects
- PMFME ₹10,000 crore (2020)
- Operation Greens expanded to all F&V (2021)
- ODOP integration via PMFME
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Q.1610 marks · 150w 9 min Easy
Subtopic: Agriculture · Food security
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Introduction: National Food Security Act 2013 covers 67% of population; POSHAN Abhiyaan launched 2018; POSHAN 2.0 (Mission Saksham Anganwadi) merged ICDS, POSHAN, Scheme for Adolescent Girls in 2021.
Body: 1) Pillars — entitlement (5 kg/person), AAY 35 kg/household, Mid-Day Meal/PM POSHAN. 2) POSHAN 2.0 — Saksham Anganwadis (2 lakh upgraded), Take Home Ration, IT-Poshan Tracker (10+ crore beneficiaries). 3) NFHS-5 stunting 35.5%, wasting 19.3%.
Way forward: Millet inclusion in PDS under International Year of Millets 2023 follow-through; fortify wheat-rice; convergence with Jal Jeevan Mission for nutrition outcomes.
Key points- NFSA 2013 — 67% population
- POSHAN 2.0 (Mission Saksham Anganwadi) 2021
- Poshan Tracker 10+ crore beneficiaries
- NFHS-5: stunting 35.5%, wasting 19.3%
- PM POSHAN (rebranded Mid-Day Meal) since Sep 2021
- AAY — 35 kg/household
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Q.1715 marks · 250w 14 min Medium
Subtopic: Agriculture · Land reforms
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Introduction: Land is a State subject (Entry 18, List II); Five-Year Plans emphasised land reforms from 1951; average operational holding shrunk to 1.08 ha (10th Agricultural Census 2015-16, refresh underway).
Body: 1) Phases — abolition of intermediaries (Zamindari), tenancy reform, ceiling laws, consolidation, Bhoodan. 2) Successes — West Bengal Operation Barga, Kerala 1969 Act, Karnataka tenancy. 3) Failures — Bihar, UP — political economy of landlordism; cooperatives stalled. 4) Modern issues — digitisation (SVAMITVA, DILRMP), Land Pooling for urbanisation.
Way forward: Accelerate Digital India Land Records Modernisation Programme (DILRMP); SVAMITVA full coverage by 2026; Model Land Leasing Act 2016 (NITI Aayog) adoption.
Key points- Land is State subject — Entry 18 List II
- Average holding 1.08 ha (Agri Census 2015-16)
- WB Operation Barga 1978
- Kerala Land Reforms Act 1963 (eff. 1970)
- SVAMITVA launched April 2020
- DILRMP central sector scheme
- Model Land Leasing Act 2016 — NITI Aayog
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Q.1810 marks · 150w 9 min Easy
Subtopic: Sci-Tech · Fintech and DPI
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Introduction: NPCI reported 18.4 billion UPI transactions in March 2025, worth ₹24.77 lakh crore — the world's largest real-time retail payments rail.
Body: 1) Global rollout — UPI live in UAE, Singapore PayNow link, France (Eiffel Tower), Sri Lanka, Mauritius, Bhutan. 2) Concentration risk — PhonePe and Google Pay together ~85% market share against NPCI's 30% cap (deferred to Dec 2026). 3) Zero-MDR sustainability vs incentive scheme of ₹1,500 crore (Budget 2025-26).
Way forward: Operationalise the 30% market-share cap; expand UPI-PayNow style linkages; price small-merchant MDR transparently.
Key points- UPI transactions 18.4 billion in March 2025 (NPCI)
- Value ₹24.77 lakh crore in March 2025
- PhonePe + Google Pay >85% market share
- NPCI 30% cap deferred to 31 December 2026
- UPI-PayNow linkage with Singapore live February 2023
- Zero-MDR for P2M up to ₹2,000; ₹1,500 crore incentive in Budget 2025-26
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Q.1915 marks · 250w 14 min Hard
Subtopic: Sci-Tech · AI and IT regulation
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Introduction: MeitY notified the IT (Intermediary Guidelines and Digital Media Ethics Code) Amendment Rules 2026 on 10 February 2026 (effective 20 February 2026); over 50 million AI voice-clone calls were estimated during the 2024 Lok Sabha campaign.
Body: 1) Rules framework — definition of "synthetically generated information," visible labels, embedded provenance, takedown clocks of 3 hours (court/government orders) and 2 hours (intimate-image and impersonation deepfakes). 2) Criminal gaps — BNS 2023 covers identity impersonation under Section 319 but no dedicated deepfake offence; lack of victim restitution. 3) Institutional gap — no statutory AI regulator; reliance on Section 79 safe-harbour conditionality.
Way forward: Standalone Digital India Act with risk-tiered AI liability; statutory AI Safety Institute; mandatory C2PA-style content provenance; victim-compensation fund.
Key points- IT Amendment Rules 2026 notified 10 Feb 2026 — first binding AI-content rules
- Takedown clocks: 3 hours for orders, 2 hours for intimate-image and impersonation deepfakes
- ~50 million AI voice-clone calls before 2024 Lok Sabha polls
- Section 79 IT Act 2000 — intermediary safe harbour
- BNS 2023 Sections 318-319 cover cheating and impersonation
- Election Commission advisory on synthetic media 2024
- Stanford HAI 2025 — India saw steepest rise in public AI concern (~14 pp)
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Q.2015 marks · 250w 14 min Hard
Subtopic: Agriculture · Land reforms
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Introduction: Fragmented holdings — 86% small/marginal (Agri Census 2015-16); leasing legally restricted in many states; NITI Aayog Model Agricultural Land Leasing Act 2016 adopted by only a handful (UP, Uttarakhand, MP, AP).
Body: 1) Constraints — informal tenancy hides 25-30% leased area, locks credit, insurance access. 2) Existing consolidation — Punjab, Haryana, Western UP successes; eastern stagnation. 3) Land records — digitisation via DILRMP, geo-referencing under SVAMITVA, Bhulekh portals.
Way forward: Adoption of Model Land Leasing Act by states; recognise tenant rights without adversarial possession; integrate with KCC and PMFBY portability; National Spatial Data Infrastructure expansion.
Key points- 86% holdings small/marginal (Agri Census 2015-16)
- Model Land Leasing Act 2016 — NITI Aayog
- Informal tenancy 25-30%
- SVAMITVA — 65,000+ villages covered
- DILRMP digitisation
- Bhumi/Bhulekh portals in 30+ states
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