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Table of Contents

1. Banks in NEWS ............................................................................................................................................. 4

2. Digital Initiatives by Banks .......................................................................................................................... 11

3. Mergers in Indian Banking Industry ............................................................................................................. 12

4. Indian Currency Notes ................................................................................................................................ 14

5. Currency Printing & Coin Minting in India.................................................................................................... 15

6. Types of Banking......................................................................................................................................... 16

7. Digital Banking ............................................................................................................................................ 18

9. Monetary Policies ....................................................................................................................................... 20

10. Important Acts ......................................................................................................................................... 21

11. Important Financial Institutions ............................................................................................................... 21

12. NBFCs ..................................................................................................................................................... 25

13. Electoral Bonds ......................................................................................................................................... 27

14. Electronic Fund Transfer at Point of Sale ................................................................................................... 27

15. Priority Sector Lending .............................................................................................................................. 27

16. KYC ........................................................................................................................................................... 28

17. NPA and Recovery .................................................................................................................................... 28

18. Financial Inclusion .................................................................................................................................... 30

19. Banking Ombudsman Scheme ................................................................................................................... 31

20. Abbreviations ........................................................................................................................................... 31

21. Capital Market .......................................................................................................................................... 32

22. Money Market .......................................................................................................................................... 34

23. Basel Norms ............................................................................................................................................. 35

24. Maharatna, Navratna & Miniratna Category of PSEs ................................................................................. 35

25. List of International Airports in India ......................................................................................................... 37

26. List of Revolutions in India ........................................................................................................................ 38

27. Indian & International Bank Taglines ......................................................................................................... 39

28. Union Cabinet Ministers & their Constituency ........................................................................................... 40

29. Census 2011 ............................................................................................................................................. 41

30. Rivers, Dams & States ............................................................................................................................... 42

31. List of Major Ports in India ........................................................................................................................ 43

32. Major Atomic/Thermal/Hydro Power Plants.............................................................................................. 44


33. List of Upcoming Sports Venues ................................................................................................................ 46

34. List of New Appointments ......................................................................................................................... 48

35. National Parks & Wildlife Sanctuaries ........................................................................................................ 50

36. Important Days ......................................................................................................................................... 52

37. Joint Military Exercises .............................................................................................................................. 53

38. Reports & Indices...................................................................................................................................... 54

39. Classical Folk Dances ................................................................................................................................. 55

40. Stock Exchanges Around the World ........................................................................................................... 56

41. Nick Names of Cities ................................................................................................................................ 56

42. International Organisations & Headquarters ............................................................................................. 56

43. Famous Temples ...................................................................................................................................... 57

44. Stadiums in India ...................................................................................................................................... 58

45. Boundary Lines ........................................................................................................................................ 58

46. Books & Authors ...................................................................................................................................... 59

47. Nobel Prize Winners 2018 ....................................................................................................................... 60

48. UNESCO World Heritage Site .................................................................................................................... 61


1. Banks in NEWS

ICICI Bank

Updated Schemes/New Launches ICICI Prudential AMC launched Bharat Consumption Scheme which aims at taking advantage from the India’s fastest growing consumption market. The Open Ended Equity Scheme was open for the period from March 26 to April 9, 2019. ICICI Securities and Bombay Stock Exchange (BSE) has launched 'eATM' facility to enable users to receive the pay-out within 30 minutes of selling the shares. The new service has a cap of ₹50,000 per client a day and is applicable on about 600 stocks listed on the BSE.

Partnerships/Tie-Ups

ICICI Lombard General Insurance has entered into a partnership with MobiKwik to provide cyber insurance cover for its mobile wallet users. The insurance can be bought through the app at only ₹99 per month for a sum of ₹50,000. Xiaomi and ICICI Bank have entered into an agreement for providing the role of the payment service provider to Xiaomi customers. ICICI Lombard has entered into a tie-up with AnyTimeLoan.in (ATL), a peer-to-peer lending platform. Main aim is to de-risk exposure of lenders and borrowers arising from uncertainties such as accidents, critical illness, death, disability, etc. The ATL will be facilitating loans as small as ₹ 1000 to ₹10 lakh for a minimum period of 1 day to a maximum of 3 years.

Bank In News

ICICI Bank terminated the contract of former managing director and CEO Chanda Kochhar for violating the bank’s code of conduct. Ms. Kochhar, assumed charge as MD and CEO of ICICI Bank on May 1, 2009 and resigned in October 2018.

RBI slaps a fine of Rs.1 Crore on ICICI Bank for delay in compliance with directions related to global messaging software Swift.

ESAF Small Finance Bank Ltd

About ESAF Small Finance Bank Ltd

Chairman - R Prabha, Headquarters - Thrissur, Kerala

Bank In News

ESAF is now ‘scheduled bank’ ESAF Small Finance Bank Ltd has received the RBI’s approval for inclusion in the second schedule of the RBI Act, 1934.

Punjab National Bank (PNB)

Updated Schemes/New Launches Punjab National Bank has sanctioned loans worth ₹689 crore to over 1,600 Micro, Small and Medium Enterprises (MSMEs) through the psbloansin59minutes.com portal. In November 2018, PM Modi announced the launch of the 59 minute loan portal to enable easy access to credit for MSMEs. Under the Mudra Yojana, the bank has offered loan to over 2.69 lakh small entrepreneurs.


PNB has partnered with the Uttar Pradesh government to create a model for digitization at Kumbh Mela 2019. For convenient and hassle-free transactions at these shops, the bank has created the 'PNB Rupay' card which works even without the internet. PNB has signed an MoU with Indian Army on the Defence Salary Package to provide free ‘RAKSHAK PLUS’ Scheme. PNB will provide overdraft facility range from Rs 0.75 to 3.0 lakhs, multicity ‘At Par’ cheques, instant credit of outstation cheques, preferential allotment of lockers at concessional AMC and free SMS alerts.

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IDFC First Bank


MD & CEO - V. Vaidyanathan, Vice Chairman - Rajiv Lal

Bank In News

IDFC Bank has been merged with NBFC 'Capital First' on 18 December 2018. Now it will be known as IDFC First Bank.

India Post Bank

Bank In News India Post Payments Bank has launched internet banking services for all the Post Office Savings Bank (POSB) account holders on 14 December 2018.

Indian Bank

Awards & Achievements Indian Bank has received The Best Bank Award from the Tamil Nadu government on 3 March 2019. The award was handed over to the executive director of Indian bank M K Bhattacharya, by CM of TN, K Palaniswami for meeting the needs of women's self-help groups (SHGs).

Bank In News

Indian Bank was imposed a fine of Rs 1 crore on for violating cybersecurity norms on 11 December 2018 by RBI.

IndusInd Bank

Awards & Achievements

IndusInd Bank’s Romesh Sobti, MD & CEO has been selected as the ‘Business Standard Banker’ of the Year for 2017-18. He received this award earlier in 2013-14.

Bank In News

Merger of IndusInd Bank & Bharat Financial Inclusion Limited (BFIL) has been approved by National Company Law Tribunal (NCLT). Post-merger, BFIL will become a subsidiary of the Indian Bank. BFIL is a non-banking finance company, licensed by the Reserve Bank of India.

YES Bank

Awards & Achievements

Yes Bank has won Data Science Innovation Award of the 9th edition of Aegis Graham Bell Award 2018 for its ‘Yes Engage Enrich Excel (EEE)’ project in data science. YES Bank’s EEE program is an industry-first analytics tool that aids the Bank’s relationship managers with top 3 talking points to engage with their customers. Aegis Graham Bell Award promotes innovations and entrepreneurship in the ICT domain.


Yes Bank has partnered with Government of Maharashtra to empower more than 20,000 ration shops i.e. e-PDS which can offer last mile basic banking services to more than seven lakh beneficiaries.

Bank In News

YES Bank has charged with a fine of Rs. 1 crore for non-compliance of directions on Swift messaging software by RBI.

IDBI

Updated Schemes/New Launches IDBI Bank has launched 'NRI-Insta-Online' account opening process for NRIs residing in the Financial Action Task Force (FATF) member countries. Henceforth, the person will not be required to furnish physical documents as well as KYC proofs for opening an account with the bank.

Bank In News

YES Bank has charged with a fine of Rs. 1 crore for non-compliance of directions on Swift messaging software by RBI. IDBI Bank has been categorised as a private sector bank by the Reserve Bank of India, with effect from January 21, 2019 post its acquisition by Life Insurance Corporation of India (LIC).

Bank of Maharashtra


BoM has joins the M1Xchange Trade Receivables Discounting System (TReDS) platform.


This will help bill discounting for micro, small and medium enterprises to get their bills financed at a competitive rate through an auction where multiple registered financiers can participate.

Bank In News

Bank of Maharashtra (BoM) was imposed a fine of Rs 1-crore by RBI for non-compliance of 'Know Your Customer' guidelines and fraud-classification norms. Earlier in 2018, also the RBI had imposed a fine of Rs 1 crore on for delay to detect and report fraud in an account.

State Bank of India

About State Bank of India

SBI Life Insurance CEO & MD - Sanjeev Nautiyal, SBI General Insurance CEO - Pushan Mahapatra


SBI Life has signed a bancassurance pact with Allahabad Bank to sell SBI Life Insurance products through various branches of Allahabad Bank. Bancassurance is an arrangement through which an insurance company can sell its products through a bank.

Bank In News

SBI will cease to be EPFO fund manager for retirement fund by the end of March 2019. As to RBI rules, a bank cannot function as an asset management company. Currently, SBI, ICICI Securities Primary Dealership, Reliance Capital, HSBC AMC and UTI AMC are fund managers of the EPFO. The State Bank of India’s UK chief Mr. Sanjiv Chadha has been honoured with the ‘Freedom of the City Of London’ by the city of London Corporation in recognition of his contribution to promoting the bilateral relations. Pt. Jawaharlal Nehru was the previous Indian recipient of this award and other recipient includes author JK Rowling and actor Dame Judi Dench. “Committee of Creditors: An Institution of Public Faith” was organised in Mumbai, by the Insolvency and Bankruptcy Board of India (IBBI), jointly with SBI & Indian Institute of Corporate Affairs (IICA).

Dr. MS Sahoo (Chairperson-IBBI) & Mr. Rajnish Kumar (Chairman-SBI) also attended the workshop. A consortium of banks led by State Bank of India has agreed to provide finance for Nagpur-Mumbai 'Samruddhi Corridor' expressway project. The consortium includes Punjab National Bank, Bank of Baroda, Bank of Maharashtra and the Life Insurance Corporation (LIC) of India. SBI has agreed to lend the highest amount, 8,500 crore rupees among other lenders. State Bank of India (SBI) raised Rs. 1,251.30 crore by issuing Basel III-compliant bonds. SBI has launched a new system for cardless ATM withdrawal known as YONO Cash which will enable SBI customers to withdraw cash without a physical debit card using a secured two-factor authentication process. ATMs enabled for this service will be termed YONO Cash Point. SBI has launched a novel product called ‘Green Car Loan’ to encourage its customers to buy electric vehicles (EVs) in the country. The interest rates on these loan will be 20 basis points lower than SBI’s existing auto loans. The scheme comes with the longest repayment period of up to 8 years.

In a move to benefit its customers, SBI has re-priced its home loans up to Rs 30 lakh by 10 basis points. Accordingly, the interest rate on housing loans of such size will now be in the range of 8.6 to 8.9%. The interest rate on housing loans of such size will now be in the range of 8.6 to 8.9%.

SBI was slapped a fine of Rs 1 crore by RBI as penalty for violating norms by not monitoring the end use of funds in respect of one of its borrowers. RBI levied the penalty in the exercise of powers conferred under Section 47 A of the Banking Regulation Act, 1949.


SBI has partnered in an initiative by Ministry of Housing and Urban Affairs, SWAGAT – the Automatic Fare Collection Gating System.

Bharat Electronics has launched SWAGAT as a part of the inaugural of Phase-I of the Ahmedabad Metro.


SBI has launched a doorstep banking service for senior citizens over 70 years of age and differently-abled customers. Eligible customers can avail this service at a nominal fee of 100 rupees per transaction for financial transactions and 60 rupees for non-financial transactions. Cash pickup and delivery, cheque pickup, and cheque book slip, are some of the services that will be provided.

SBI General Insurance launched a cyber defence insurance product to protect businesses from financial and reputational losses due to cyber attacks. This offers protection against the growing threat of cyber breaches like hacking attacks, identity theft, and business interruption.

Reserve Bank of India

Updated Schemes/New Launches The Reserve Bank of India launched a 'Survey on Retail Payment Habits of Individuals (SRPHi)' on 26 December 2018. The survey will be conducted in Delhi, Mumbai, Kolkata, Chennai, Bengaluru, and Guwahati. RBI has shortlisted TCS, Wipro, IBM India, Capgemini Technology Services India, Dun & Bradstreet Information Services India, and Mindtree Ltd. to set up a digital Public Credit Registry (PCR). RBI has set up a six-member 'Economic Capital framework' Committee headed by former RBI Governor Bimal Jalan along with members Subash Chandra Garg, Economic Affairs Secretary, N.S. Vishwanathan, RBI Deputy Governor and two board members of the RBI. RBI has tweaked the Gold Monetisation Scheme and now it has been extended to charitable institutions, Central Government, State Government or any other entity owned by the Government. The government of India had launched the GMS in 2015 to mobilise the gold held by households and institutions in the country. RBI to cut SLR gradually to 18% by mid-2019. The current SLR is 19.5% SLR is the portion of funds which banks are

required to maintain in the form of gold

reserves and the government approved

securities.


ICICI Lombard General Insurance has entered into a partnership with MobiKwik to provide cyber insurance cover for its mobile wallet users. The insurance can be bought through the app at only ₹99 per month for a sum of ₹50,000. Xiaomi and ICICI Bank have entered into an agreement for providing the role of the payment service provider to Xiaomi customers. ICICI Lombard has entered into a tie-up with AnyTimeLoan.in (ATL), a peer-to-peer lending platform. Main aim is to de-risk exposure of lenders and borrowers arising from uncertainties such as accidents, critical illness, death, disability, etc. The ATL will be facilitating loans as small as ₹ 1000 to ₹10 lakh for a minimum period of 1 day to a maximum of 3 years.

Bank In News

Reserve Bank of India has decided to liberalise external commercial borrowing (ECB) norms, to improve ease of doing business. Hence RBI has allowed all companies that are eligible for receiving FDIs, to raise funds through the ECB route. The RBI has set the minimum average maturity period at 3 years for all ECBs, irrespective of the amount of borrowing. The RBI has decided to limit the liability of customers in case of unauthorised electronic payment transactions in Prepaid Payment Instruments (PPIs) issued by non-banks. If the fraud is reported between 3 to7days, then the customer’s liability will amount to the transaction value or Rs. 10,000. RBI has injected 10,000 crore rupees into the banking system through the purchase of government securities on 17 January 2019 to increase liquidity. The purchase will be made through Open Market Operations (OMOs). Rs 37,500 crore was injected into the system through OMOs in February. OMO refer to the buying and selling of government securities in the open market in order to increase or decrease the amount of money in the banking system.


RBI has constituted a high-level committee that will work towards deepening digital payments in India. The committee will be headed by Nandan Nilekani. The committee would submit a report to the RBI every three months to strengthen the safety and security of digital payments. The RBI has created a single category of NBFC by merging their present three-tier structure. Hence now, Asset finance, loan, and investment companies have been merged into a new category called NBFC- Investment and Credit Companies. This will provide greater operational flexibility to NBFCs. RBI has declared an interim dividend of Rs 28,000 crore to the government. This is the second successive year when the RBI will be transferring an interim surplus. The central bank transfers its surplus amount to the government, under Section 47 of the RBI Act, 1934. The Reserve Bank of India raised the limit for collateral free agriculture loans to ₹1.6 lakh from ₹1 lakh. The increased limit will enhance coverage of small and marginal farmers in the formal credit system. The RBI has allowed the card payment providers to offer 'Tokenisation' services. to ensure the safety of digital transactions and reduce the chances of fraud. It involves a process in which a unique token hides the sensitive card details. The token is used to perform card transactions in contactless mode at Point Of Sale (POS) terminals, Quick Response (QR) code payments, etc.

The Reserve Bank of India withdrew the 20% limit on investments by FPIs in corporate bonds of an entity. This has been done with a view to encourage more foreign investments. RBI has relaxed norms for trade for imports of capital and non-capital goods by raising the trade credit limit to USD 150 million under the automatic route. Oil and gas refining & marketing, airline and shipping companies can avail trade credits under the automatic route. For others, the limit is up to USD 50 million or equivalent per import transaction.

RBI has relaxed the norms for white-label ATM (WLA) operators and allowed them to buy wholesale cash directly from the Reserve Bank of India. The RBI has also permitted WLA operators to source cash from any bank, including cooperatives and regional rural banks. WLAs are owned and operated by non-bank entities on behalf of the banks. RBI has again postponed the rollout of the new accounting standards (IndAS). The loan-loss provision under the IndAS is recognised based on the expected credit loss (ECL) model. As per RBI's recent report, India’s current account deficit (CAD) for the third quarter narrowed to 2.5% of the GDP compared with 2.9% in the Q2. However, on a year-on-year basis, CAD in the October-December period widened from 2.1% or $13.7 billion. RBI has decided to alter the definition of bulk deposits as single deposits of Rs 2 crore and above, in the recent monetary policy review. RBI set to bring back ‘exotic currency bets’ after a decade, by lifting the ban on ‘exotic currency derivatives’. They are the double-edged, fancy products that were banned in 2007-08 amid allegations of mis-selling. RBI becomes the 1st central bank in the Asia-Pacific Region to begin an explicit interest rate easing cycle buoyed by benign food inflation and easier global financial condition. According to the Reserve Bank data released on 11 April 2019, bank credit rose 13.24% to Rs 97.67 lakh crore for the fortnight to 29 March 2019. The deposits grew by 10.03% to Rs 125.72 lakh crore during the same period. The RBI has put into circulation 50 rupees denomination banknotes signed by its Governor Shaktikanta Das. The design of these notes is similar in all respects to 50 banknotes in Mahatma Gandhi new series. All banknotes in the denomination of 50 issued by the Reserve Bank in the past will continue to be legal tender. The Reserve Bank of India (RBI) has reported that Exim Bank has provided soft loans of USD 266.60 million to Rawanda for various projects. The funding is done in 3 separate tranches to support\ agricultural projects, development


of special economic zones (SEZs) and for financing road projects. USD 66.60 million is being funded for the Base-ButaroKidaho Road Project. The RBI has put into circulation 50 rupees denomination banknotes signed by its Governor Shaktikanta Das. The design of these notes is similar in all respects to 50 banknotes in Mahatma Gandhi new series. All banknotes in the denomination of 50 issued by the Reserve Bank in the past will continue to be legal tender. The RBI has set the average base rate to be charged from borrowers by NBFCs and Micro-Finance Institutions (MFIs) at 9.21% for the first quarter of the next fiscal. With this divestment, the government now holds 100% stake in both these financial institutions. RBI has sold its entire stake in National Housing Bank (NHB) and the National Bank for Agriculture & Rural Development (NABARD) to government for Rs 1,450 crore and Rs 20 crore respectively. The RBI comes out with the average of the base rates of the five largest commercial banks for the purpose of arriving at the interest rates to be charged by NBFC-MFIs to its borrowers. The RBI removed Bank of India, Bank of Maharashtra (BoM) and Oriental Bank of Commerce (OBC) from Prompt Corrective Action (PCA) Framework.

NABARD


Chairman - Harsh Kumar Bhanwala, Headquarters - Mumbai

Bank In News

NABARD has announced that it will provide early-stage capital to agriculture and rural enterprises through its venture capital entity, 'NABVENTURES Ltd' on 7 January 2019, NABVENTURES Ltd has been incorporated by NABARD under the Companies Act.

HDFC Bank

Bank In News

HDFC Bank has been identified as No.1 Bank by customers in India, as per Forbes World's Best Bank survey. In the first edition of its survey, Forbes partnered with market research firm Statista to measure the best banks in 23 countries.

HDFC Bank emerged as India’s No 1 bank. ICICI Bank was at number 2 and SBI was surprisingly ranked 11th in the list. HDFC’s MD & CEO : Aditya Puri.

HDFC Bank Ltd crossed the ₹6 trillion market capitalisation for the first time on 13 March 2019, making it only the country's third firm to achieve the milestone. HDFC Bank's stock gained for the fifth session in a row, rising as much as 6% during the period. Tata Consultancy Services Ltd (TCS) and Reliance Industries Ltd (RIL) are the other 2 companies to cross it. HDFC MF becomes the largest AMC in India surpassing the ICICI Prudential MF to become the country's largest asset management company. HDFC manages assets of Rs 3.35 lakh crore, while those of ICICI Prudential MF stood at Rs 3.08 lakh crore. SBI MF is at the third place with Rs 2.64 lakh crore, followed by Aditya Birla Sun Life MF (Rs 2.42 lakh crore) and Reliance MF (Rs 2.36 lakh crore). HDFC Asset Management Co. Ltd has claimed the top spot with an average AUM of Rs.3.42 trillion. It overtook ICICI Prudential Asset Management Co. Ltd with an average AUM of at Rs.3.20 trillion


Kotak Mahindra Bank

Bank In News Kotak stated that it will charge customers for UPI transactions starting form 1st of May 2019. For each Kotak Bank account, the first 30 UPI fund transfers will be free, after which a charge will be levied on all fund transfers from the bank account. This will be applicable across all platforms, including Paytm, PhonePe, Google Pay or Truecaller Pay among others. The bank will charge Rs 2.50 per transaction for an amount value below or equal to Rs 1,000, and Rs 5 per transaction will be levied for a payment value above Rs 1,000.

South Indian Bank

Bank In News

South Indian Bank raised up to ₹250 crore by issuing Basel III-compliant bonds. The bonds will be rated, unsecured, redeemable, and nonconvertible bearing face value of ₹1 lakh each. Basel III is compliant and lower tier 2 bonds up to ₹150 crore.

Public sector banks' Provision Coverage Ratio (PCR) has increased to 66.85% as of September 2018. In 2015, the PCR was less than 50% The provision coverage ratio (PCR) gives an indication of the provision made against bad loans from the profit generated. Higher the PCR, lower is the unexposed part of the bad debts. Zimbabwe has formally started trading new currency as it tries to ease a shortage of dollars that crushed its economy. The initial rate for the southern African nation’s currency, known as RTGS dollars, will be 2.5 per US dollar. The official inflation rate has soared to 57% from less than 4% a year ago.

Bank of Baroda

Bank In News Bank of Baroda's proposed merger with Dena and Vijaya Bank will be affected from 1 April 2019. The scheme has been named as 'Amalgamation of VijayaBank and Dena Bank with Bank of Baroda'. As per the Scheme, shareholders of Vijaya Bank will get402 equity shares of BoB for every 1,000 shares held. Dena Bank will receive 110 equity shares of BoB for every 1,000 equity shares held. The Finance Ministry has decided to infuse Rs 5,042 crore into state-owned Bank of Baroda. It is done ahead of the merger of two other public sector lenders Dena Bank and Vijaya Bank with Bank of Baroda. Bank of Baroda will develop an agri-digital platform called 'Baroda Kisan' in order to provide solutions for all major agricultural requirements. Six companies -- Skymet Weather Services, Weather Risk Management Services, BigHaat, Agrostar India, EM3 Agri Services and Poorti Agri Services -- have signed a memorandum of understanding (MoU) with the bank for this project.

Other Banks In News

Bank In News

https://bit.ly/2mdJPmF


The Finance Ministry has decided to keep the interest rate unchanged on small savings schemes for the 3 month period beginning 1 April 2019. The announcement covers small-saving schemes such as the Post Office Saving Accounts, Post Office Time Deposits, National Saving Certificates (NSC) etc. The unchanged interest rate means the NSC (5 years) and the PPF (15 years) will fetch 8% interest. Canara Bank Signs Rs 2,000 crore Term Loan Pact with NTPC to be used to part finance its capital expenditure. The loan has a door to door tenure of 15 years and will be utilised to part finance the capital expenditure of the NTPC. Canara Bank Becomes The First Public Sector Bank In India to Meet RBI’s EMV Mandate. Deposits In Jan Dhan Accounts are set to cross Rs 1 Lakh Crore mark. On 3rd April, the total balance in the Jan Dhan accounts was at Rs 97,665.66 and the total number of Jan Dhan accounts crossed 35.39 crores. More than 27.89 crores account holders have been issued the Rupay debit cards. The government increased the accident insurance cover to Rs 2 lakh from Rs 1 lakh for new accounts opened after 28th August 2018 and the overdraft limit was also doubled to Rs 10,000. BuyUcoin, second oldest Cryptocurrency Exchange in India, has introduced a new and

unique platform for wholesale cryptocurrency trading. • It is also known as OTC (Over-the-counter) Desk that allows users to trade on a large scale with low price fluctuations. IMF & World Bank have together launched a private blockchain with a pseudo-token, called “Learning Coin”. It will be only accessible within the IMF and World Bank, to teach relevant individuals within the organizations about blockchain. Though the coin has no real value – hence the description pseudo-token – staff members who pass educational milestones will receive the tokens which can then be redeemed for certain rewards. Fincare Small Finance Bank (SFB) has been awarded the prestigious Celent Model Bank 2019 Award in the category of Financial Inclusion, for 'Redesigning Lending to Reach Small Businesses'. JP Morgan becomes the first to create cryptocurrency, called 'JPM Coin'.It will always have a value equivalent to one US dollar. It will be initially used internally between JPMorgan Chase's wholesale business clients. The bank had also built an Ethereum-based blockchain platform for business customers in 2018.

2. Digital Initiatives by Banks

Bank Scheme and Apps

AIRTEL + Axis Bank

Airtel Money

Axis Bank Power Salute: Banking Offers exclusive to Defence Personnel

LIME App: Country’s 1st App which is a Digital Wallet with payments, banking and shopping facilities.

Axis bank launched Kisan credit card through which farmers can avail credit upto 250

lakh for a maximum term of 5 years. Card is also giving benefit of insurance coverage of upto Rs 50000/-


Initiator of ‘Indian Green Card’ for farmers. Started in 1980s.

Citi Bank Launched instant chat services for its customers named Citibank Online. It is first

such customer support service in India by a Bank.

IRA (Intelligent Robotic Assistant), a ‘humanoid’ at its Mumbai branch

ICICI EazyPay App for merchants. It allows all in one acceptance payments platform

ICICI M-Pesa along with Vodafone

Kotak Mahindra Bank

KayPay: Facebook-based funds transfer platform

Kotak Bharat - mobile banking app

Kotak has become the 1st bank to launch debit card-based authentication solution on NPCI’s e-Mandate (electronic mandate) API (Application Program

Interface) platform.

RBL Bank India’s first credit card exclusively for GOLF LOVERS

‘Aadhaar Payment Bridge System’ (APBS) for small ticket microfinance loan

disbursement

SBI YONO (You Only Need One App)- One app for all the banking, shopping and investment

needs.

YONO Cash Point – Customers can withdraw cash without a physical debit card from ATMs using secured two-factor authentication process.

SBI-Intouch-Digital branches across the country with an aim to offer advanced banking

services like instant loan approvals, assistance in choosing investment portfolios and

access to latest mutual funds among others.

3. Mergers in Indian Banking Industry


Name of the Banks Acquired

Name of the Banks that got Merged

Year of Merging

Indiabulls Lakshmi Vilas

Bank (proposed) 2019

Bharat Financial Inclusion

IndusInd Bank (in Process)

2019

Gruh Finance Bandhan Bank (in

Process) 2019

IDFC First IDFC & Capital

First 2019

New Regional Rural Bank

Punjab Gramin Bank, Malwa

Gramin Bank, and Sutlej Gramin

Bank

2019

Bank of Baroda

Dena Bank, Vijaya Bank, Bank of

Baroda 2019

SBI

Bharatiya Mahila Bank (BMB)

2017

State Bank of Travancore (SBT)

2017

State Bank of Bikaner and Jaipur (SBBJ)

2017

State Bank of Hyderabad (SBH)

2017

State Bank of Mysore (SBM)

2017

State Bank of Patiala (SBP)

2017

Kotak Mahindra

Bank ING Vysya Bank 2016

ICICI Bank Bank of

Rajasthan 2010

State Bank of India

State Bank of Indore

2009

State Bank of India

State Bank of Saurashtra

2008

HDFC Bank Centurion Bank

of Punjab 2008

Centurion Bank of Punjab

Lord Krishna Bank

2007

Indian Overseas

Bank

Bharat Overseas Bank

2007

IDBI Bank United Western

Bank Ltd. 2006

Federal Bank Ganesh Bank of

Kurundwad 2006

Centurion Bank

Bank of Punjab (BoP)

2005

IDBI Bank Limited

IDBI Limited 2005

Oriental Bank of Commerce

Global Trust Bank (GTB)

2004

Punjab National Bank

Nedungadi Bank 2003

Bank of Baroda

Benares State Bank

2002

ICICI Bank Limited

ICICI Limited 2002

ICICI Bank Bank of Madura 2001

HDFC Bank Times Bank 2000

Union Bank of India

Sikkim Bank 1999


State Bank of India

Kashinath State Bank

1995

Bank of India Bank of Karad 1994


New Bank of India

1993

State Bank of India

Bank of Cochin 1985

Canara Bank Lakshmi

Commercial Bank 1985

Bank of Baroda

South Gujarat Local Area Bank

2004

Bank of Baroda

Bareilly Corporation Bank

Ltd. 1998


Bari Doab Bank Ltd

1997


Punjab Co-operative Bank

1997

Allahabad Bank

United Industrial Bank Limited

1989

Central Bank of India

Purvanchal Bank Ltd.

1990

Bank of India Parur Central

Bank Ltd. 1990

State Bank of India

National Bank of Lahore Ltd.

1970

State Bank of India

Bank of Bihar Ltd 1969


Hindustan Commercial Bank

Ltd. 1986

Indian Bank Bank of

Thanjavur Ltd 1990

Bank of Baroda

Traders Bank Ltd 1988

Indian Overseas

Bank

Bank of Tamil Nadu

1990

4. Indian Currency Notes

Currency

Notes

Dimen

-sions (mm)

Motifs/

Design

Colour

10 63x12

3

Sun

temple

Chocolate

brown

20

(proposed)

63x12

9

Ellora

caves

Greenish

Yellow

50 66x13

5

Hampi

with Chariot

Fluoresce

nt Blue

100 66×14

2

Rani Ki

Vav

Lavender

200 66x14

6

Sanchi

Stupa

Bright

Yellow

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Red Fort Stone Grey


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5. Currency Printing & Coin Minting in India

Currency Printing and Coin Minting in India is mainly catered by two organisations, namely Bharatiya Reserve Bank Note Mudran Private Limited (BRBNMPL) and Security Printing and Minting Corporation of India Limited (SPMCIL). Bharatiya Reserve Bank Note Mudran Pvt Ltd is a wholly owned subsidiary of RBI supplying a major portion of bank note requirement in India. The BRBNMPL was incorporated as a Private Limited Company on 3rd February 1995. It has two currency presses under it:

Mysore - The demand for banknotes has been steadily increasing. To bridge the demand and supply gap, the Government of India decided to establish the new bank note printing press at Mysore(Karnataka). Salboni – Salboni or Salbani, situtated in West Bengal is the second unit under BRBNMPL. The present capacity of both the presses is around 16 million note pieces per year.

The Bharatiya Reserve Bank Note Mudran Pvt Ltd made a world record in the financial year 2016-17 by printing more than 20,000 million pieces of bank notes.

Security Printing and Minting Corporation of India Ltd is wholly owned Mini-Ratna Central Public Sector Enterprise (CPSE) under Government of India. It was established on 13th

January 2006 in New Delhi. SPMCIL prints bank notes not only for India but also for foreign countries like Iraq, Nepal, Sri Lanka, Myanmar and Bhutan. It has following Currency Presses and Coin Mints under it:

Nashik - The bank note printing in India started in 1928 with the establishment of India Security Press at Nashik by Government of India. Dewas (MP) - The second bank note printing press was established in Dewas (Madhya

Pradesh) in 1975 by Government of India.

Coin Minting in India


Mumbai - It was established in 1829.

Bombay(Mumbai) Mint has a diamond under the date of the coin(year of issue).

Alipore (Kolkata) - It was established in 1757.

Kolkata mint has no mark under the date of the

coin(year of issue).

Saifabad (Hyderabad) - It was established in the

17th century. Hyderabad Mint has a star under the date of the coin(year of issue). The other

mint marks from Hyderabad include a split

diamond and a dot in the diamond.

Cherlapally (Hyderabad) - It was established in the 17th century. Hyderabad Mint has a star

under the date of the coin(year of issue). The

other mint marks from Hyderabad include a

split diamond and a dot in the diamond.

Noida (UP) - It was established in 1988. Noida mint has a dot under the year of issue(coin

date).

6. Types of Banking

Check below the different types of banking: Types of Banks

Merchant Banking Narrow Banking (Safe Banks) Overseas Banking Green Banking Offshore Banking Retail Banking Islamic Banking Wholesale Banking

Para banking Universal Banking

Merchant Banking (1) Deals in commercial loans and investments. (2) Purpose: Facilitate and/or finance production and trade of commodities. (3) Offerings: Issue management, portfolio management, credit syndication, acceptance credit, counsel on mergers and acquisitions, insurance, etc.

Overseas Banking (1) The kind of banking in which bank operates its branches outside India. It Provides and ensures stateside like banking services and specialized services required to conduct financial transactions. (2) Offerings: Online loan application system that reduces the need for paperwork and provides customers with instant loan decision.

Offshore Banking (1) Bank accepts currencies of countries abroad. (2) Provides financial and legal benefits like privacy and minimal taxation.

Islamic Banking

(1) Islamic banking is a kind of banking activity which strictly follows the principles of the Islamic law (Sharia). (2) A better and more apt term for Islamic banking is Sharia Compliant Finance. In late 2008, a committee on Financial Sector Reforms, headed by former RBI governor Raghuram Rajan, had stressed on the need for a closer look at the issue of interest-free banking in the country. However, the Reserve Bank of India (RBI) has decided not to pursue a proposal for introduction of Islamic banking in the country.

Para banking (1) Activities which are excluded from routine bank-work (deposits, withdrawals, giving credit, etc.) are para banking activities. (2) Banks can undertake certain eligible financial services or activities. (3) Para Banking activities which for banks are limited to those permitted by RBI. (4) Example: Insurance, portfolio management services, to become pension fund managers, mutual funds business, money market mutual funds, underwriting of bonds of PSUs, investment in venture capital funds, etc.


Narrow Banking (Safe Banks) (1) Narrow banks do not lend money and are therefore called ‘safe banks’. Hence, they carry ‘zero credit risk’. (2) They use the deposits done by customers to buy government bonds only. (3) Advantages: (i) No danger of NPAs (ii) RBI can easily supervise them (iii) ‘Deposit Insurance’ is not required (4) 11 banks that RBI, under PCA, is turning into Narrow Banks:- Allahabad Bank, United Bank of India, Corporation Bank, IDBI Bank, UCO Bank, Bank of India, and Central Bank of India, Indian Overseas Bank, Oriental Bank of Commerce, Dena Bank, Bank of Maharashtra.

What is Deposit Insurance? Money of customers who deposit money in the banks is insured by DICGC. And the customers who take loans from banks are guaranteed of money by DICGC. DICGC is a wholly owned subsidiary of RBI, established on 15 July 1978 under Deposit Insurance and Credit Guarantee Corporation Act, 1961 for providing insurance of deposits and guaranteeing of credit facilities to the customers of banks.

Green Banking (1) Promoting environmental-friendly Practices (2) Encourages reducing carbon footprint from banking activities.

Institute for Development and Research defines Green Banking as an umbrella term that refers to

(1) Practices & guidelines that make banks sustainable in economic, environment and social dimensions. (2) It aims to use IT and physical infrastructure in a efficient and effective way, with zero or minimal impact on the environment. (3) IDRBT offers guidelines for greening banking at 2 levels: (i) Making day-to-day business operations, banking products and services greener by following simple practices and making them environmentally friendly. (ii) Making IT infrastructure (including data center) and physical infrastructure (including buildings) greener.

For example taking initiatives so that a bank could itself generate electricity for its own consumption

Retail Banking (1) Retail banking refers to consumer-oriented services offered by commercial



banks. Eg. savings accounts, mortgages and various types of loans and investment services relating to retirement and educational planning. (2) Retail assets of a bank: All borrower relationships and relationships with small businesses. Thus, including credit cards, auto loans, mortgages, personal loans, and small business loans. (3) How do retail banks earn money: By lending money to customers at a higher rate than they pay to depositors. The difference, known as the margin or turn, is kept by the bank. For example, if a bank pays 1% interest on deposits, they may charge 6% interest on loans.

Wholesale Banking (1) Services provided to organisations such as mortgage Brokers, large corporate clients, mid-sized companies, real estate developers & investors, international trade finance businesses, etc.

Universal Banking (1) Recommended by R H Khan committee. (2) It means allowing Financial Institutions & banks to carry out all types of banking or development financing activity (as allowed and permitted by RBI, Govt. & related legal Acts).

Type Movable Movable Immovable

Posse-ssion

With Lender

With Borrower

With Borrower

Example Goods like

Assets like Vehicle,

Housing Loan

Gold loan advance against NSC, etc.

Machines Stocks, etc.

7. Digital Banking

Digital Banking

National Payments Corporation of India (NPCI) Real-Time Gross Settlement systems (RTGS) National Electronic Funds Transfer (NEFT)

Unstructured Supplementary Service Data (USSD) Cheque Truncation System (CTS) Bharat Interface for Money (BHIM) Indian Financial System Code (IFS Code or IFSC) Unified Payments Interface (UPI) Society for Worldwide Interbank Financial

Telecommunication (SWIFT) Immediate Payment Service (IMPS) ACU

NPCI (1) National Payments Corporation of India (NPCI) is an umbrella organization for all retail payments system in India. (2) It aims to allow all Indian citizens to have unrestricted access to e - payment services. (3) Headquarter: Mumbai Non-Executive Chairman: Biswamohan Mahapatra and MD and CEO: Dilip Asbe (4) RBI Nominee Director: Mr. Sudarshan Sen. (5) It was incorporated in December 2008 & the Certificate of Commencement of Business was

issued in April 2009. The authorized capital was pegged at Rs 300 crore & paid up capital was Rs 100 crore.


The National Payments Corporation of India (NPCI) has allowed Facebook-owned WhatsApp to beta test its BHIM UPI beta payments service with limited user base of 1 million and low transaction limit. Four banks will join social messaging app’s BHIM UPI model in phases and full feature product will be released after beta test is successful.

USSD (1) Unstructured Supplementary Service Data (USSD) allows users to check their balance and get mini statements, along with making payments, even if they don’t own a smartphone or have access to the internet - just by dialling *99# (2) Was launched by NPCI in 2014 (3) On their mobile phones, banking customers can avail the service by dialing *99#, a “Common number across all Telecom Service Providers (TSPs)”. After that an interactive menu gets displayed on the mobile screen to facilitate transactions. (4) One can check status of his/her Aadhaar number seeding/linking in the bank account. (5) The service works across all GSM service providers & brings together diverse ecosystem partners such as Banks & TSPs (Telecom Service Providers).

BHIM (1) Bharat Interface for Money is a mobile app developed by NPCI, based on the Unified Payment Interface (UPI) - with zero transaction charges. (2) The aim is to make it easy for everyone to allow digital payments directly from the bank account. BHIM allow users to send or receive money to or from UPI payment addresses, or to non-UPI based accounts. (using mobile number or Virtual Payment Address or VPA.) (3) It was launched by PM Modi on 30th Dec 2016. It is dedicated to Dr. Bhimrao Ambedkar. (4) Works on Android, iOS & Windows. (5) It is available in 12 languages.

Famous Actor Shushant Singh Rajput will also promote Bharat Interface for Money (BHIM) digital payments app for cashless economy by appearing in various video, print and social media cashless economy by appearing in various video, print and social media campaigns of NITI Aayog.

UPI (1) Unified Payments Interface (Regulated by RBI) is an instant real-time payment system developed by National Payments Corporation of India facilitating inter-bank transactions. (2) UPI withdraws and deposits funds directly from the bank account whenever a transaction is requested. (3) It uses Virtual Payment Address, Account Number with IFSC Code, Mobile Number with MMID, Aadhaar Number.

MobiKwik one of the largest digital service provider platform, announced the launch of Unified Payments Interface (UPI) on its platform via its own Virtual payment address (VPA) handle @ikwik.

IMPS (1) Launched in 2010, immediate payment service (IMPS) is an instant real-time inter-bank electronic (mobile, online banking, ATM) funds transfer system in India. (2) It uses mobile number or Aadhaar number to connect with a bank account,Mobile Money Identifier (MMID) is a 7 digit number, issued by banks. It is clubbed with mobile number to facilitate fund transfer.

As per a recent NPCI data, the number of transactions through IMPS crossed 100 million marks in March 2018 and touched a high of 120.4 million in June.

RTGS & NEFT (1) Real-Time Gross Settlement systems (RTGS) are funds transfer systems where transfer of money or securities takes place from one bank to another on a "real-time" and on "gross" basis. (2) National Electronic Funds Transfer (NEFT) is a nation-wide payment system facilitating one-to-one funds transfer.


(3)There is no minimum and maximum limit for cash remittance for NEFT. However, the maximum amount per transaction is limited to ₹ 50,000. (4) In contrast with NEFT system, there is a minimum limit of Rs.2,00,000 to be transferred through RTGS. Though there is no maximum limit. CTS (1) Launched: 1 February 2008 (2) Cheque Truncation System (CTS) or Image-based Clearing System (ICS) is based on a cheque truncation or online image-based cheque clearing system where cheque images and Magnetic Ink Character Recognition (MICR) data are captured at the collecting bank branch and transmitted electronically.(4) Cheque Truncation System (CTS) is a cheque clearing system undertaken by the Reserve Bank of India (RBI) for faster clearing of cheques.

IFSC (1) The Indian Financial System Code (IFS Code or IFSC) is an alphanumeric code that facilitates electronic funds transfer in India. (2) A code uniquely identifies each bank branch participating in the two main Payment and settlement systems in India: the Real Time Gross Settlement (RTGS) and the National Electronic Fund Transfer (NEFT) systems.

(3) The IFSC is an 11-character code with the first four alphabetic characters representing the bank name, and the last six characters (usually umeric, but can be alphabetic) representing the branch. The fifth character is ‘zero’ and reserved for future use. Bank IFS Code is used by the NEFT & RTGS systems to route the messages to the destination banks/branches.

SWIFT (1) The Society for Worldwide Interbank Financial Telecommunication (SWIFT) provides a network that enables financial institutions worldwide to send and receive information about financial transactions in a secure, standardized and reliable environment. (2) Headquarter: La Hulpe, Belgium; (3) Chairman: Yawar Shah; CEO: Gottfried Leibbrandt. ACU (1) Established: December 9, 1974 (2) Headquarters: Tehran, Iran (3) The aim of ACU was to secure regional co-operation about the settlement of eligible monetary transactions to provide a system for clearing payments among the member countries on a multilateral basis.

9. Monetary Policies

INDICATORS CURRENT RATE

CRR 4.00%

SLR 19.00%

Repo Rate 6.00%

Reverse Repo Rate 5.75%

MSF 6.25%

Bank Rate 6.25%

▪ RBI, in its recent Monetary Policy

review has decided to change the threshold limit for bulk deposit.

▪ Bulk deposits has been now been revised as single deposits of Rs 2 crore and above.

1. CASH RESERVE RATIO Cash Reserve Ratio (CRR) is a specified minimum fraction of the total deposits of customers, which Commercial Banks must hold as reserves either in cash or as deposits with the Central Bank. 2. STATUTORY LIQUIDITY RATIO Statutory Liquidity Ratio (SLR) is the Indian Government term for the reserve requirement


that the Commercial Banks in India are required to maintain in the form of cash, gold reserves, government approved securities before providing credit to the customers. 3. REPO RATE Repo Rate is the rate at which the Central Bank of a Country (Reserve Bank of India in case of India) lends money to Commercial Banks in the event of any shortfall of funds. 4. REVERSE REPO RATE Reverse Repo Rate is the rate at which the Central Bank of a country borrows money from Commercial Banks within the country. It is a monetary policy instrument which can be used to control the money supply in the country.

5. BANK RATE Bank rate is the rate charged by the Central Bank for lending funds to Commercial Banks. 6. MARGINAL STANDING FACILITY Marginal Standing Facility (MSF) is the rate at which scheduled banks could borrow funds overnight from the Reserve Bank of India (RBI) against approved government securities. 7. OPEN MARKET OPERATIONS Open Market Operations (OMO) refer to buying and selling of government securities in the open market to expand or contract the amount of money in the Banking System.

10. Important Acts

1. RBI Act The Reserve Bank of India Act 1934 is an Act to constitute a Reserve Bank of India (RBI) and provide the Central Bank with various powers to act as the Central Bank of India. 2.NABARD Act NABARD was established by Act 61, 1982 of the Parliament to implement the National Bank for Agriculture and Rural Development Act 1981. 3.RRB Act The RRB Act 1976 was adopted to provide sufficient banking and credit facility for agriculture.

4.BANKING REGULATION Act The Banking Regulation Act, 1949 is a legislation in India that regulates all Banking firms in India. 5.SEBI Act The Securities and Exchange Board of India (SEBI) is the regulator for the securities market in India. It was established in the year 1988 and given statutory powers on 30 January 1992 through the SEBI Act, 1992. 6. Negotiable Instruments Act 1881 According to Section 13 of the Negotiable Instruments Act, "A negotiable instrument means a promissory note, bill of exchange or cheque payable either to order or to bearer.

11. Important Financial Institutions

1. RBI The Reserve Bank of India (RBI) is India's Central Banking Institution which controls the

monetary policy of Indian rupee. It commenced its operations on 1 April 1935 in accordance with the Reserve Bank of India Act 1934. Urjit Patel is the governor of RBI.


RBI has revised its priority sector lending guidelines for housing loan under Pradhan Mantri Awas Yojna. Housing Loan of up to Rs 35 Lakh for dwelling costing less than 45 Lakh will be treated as PSL to uplift low cost segment to the society. RBI has now extended Liquidity Adjustment Facility (LAF) to Scheduled State Co-operative Banks (StCBs) which are CBS enabled and have CRAR of at least 9%. Sudha Balakrishnan is the first ever Chief Financial Officer (CFO) of the Reserve Bank of India (RBI). RBI has signed a MoU with Insolvency and Bankruptcy Board of India for cooperation in effective implementation of insolvency laws.

2. NABARD

National Bank for Agriculture and Rural Development (NABARD) is India's specialised Bank for Agriculture and Rural Development in India. NABARD was established by Act 61, 1981 of Parliament on 12 July 1982 to implement the National Bank for Agriculture and Rural Development Act 1981. HQ: Mumbai Chairman: Dr. Harsh Kumar Bhanwala Subsidiaries of NABARD: NABCONS, NABFINS, ABFL.

Repco Micro Finance Ltd, a non-banking finance company received NABARD 2018 award.

3. SEBI The Securities and Exchange Board of India (SEBI) is the regulator for the securities market in India. It was established in the year 1988 and given statutory powers on 30 January 1992 through the SEBI Act, 1992.

▪ SEBI tweaks norms for commodity exchanges to disclose the quantum of trading done by farmers and other commodity market participants.

▪ Market participants include millers and wholesalers.

▪ Currently, commodity derivatives exchanges disseminate turnover data for only two broad categories of participants — clients and proprietary.

▪ As per a recent report by SEBI, Indian

companies raised over Rs 29,300 crore by issuing Non-Convertible Debentures (NCDs) to retail investors in 2018.

▪ NCDs are loan-linked bonds that cannot be converted into stocks and usually offer higher interest rates than the convertible.

▪ Form from 1 April 2019, transfer of shares of listed companies can be done only in the demat, as per SEBI. Shares in the demat form would help in maintaining a transparent record of shareholding at companies amid

https://bit.ly/2nCdiUx


rising concerns over beneficial ownership of entities. The move does not prohibit an investor from holding the shares in physical form even after April 1.

Initiatives by SEBI : (a) Capital Protection Oriented Schemes: The SEBI (Mutual Funds) Regulations, 1996 were amended so as to permit the launch of Capital Protection Oriented schemes. (b)Dispatch of Statement of Accounts: SEBI directed mutual funds to dispatch the statement of accounts to the unit holders under Systematic Investment Plan (SIP) / Systematic Transfer Plan (STP) / Systematic Withdrawal Plan (SWP) once every quarter ending March, June, September and December within ten working days of the end of the respective quarter. (c)Gold Exchange Traded Funds: SEBI amended the SEBI (Mutual Funds) Regulations, 1996 to specify the methodology for the valuation of gold for the purpose of Gold Exchange Traded Funds (GETFs). (d) Real Estate Mutual Fund (REMF): REMF Scheme means a scheme of a mutual fund which has investment objective to invest directly or indirectly in real estate property and shall be governed by the provisions and guidelines under SEBI (Mutual Funds) Regulations.

(e) Standard Warning in Advertisements by Mutual Funds. In order to improve the manner in which the said message was conveyed to the investors, it was decided in consultation with AMFI that with effect from April 1, 2008, the time for display and voice over and audio advertisements of the standard warning be enhanced to five seconds.

4. NATIONAL HOUSING BANK

Housing Bank (NHB), a wholly owned subsidiary of Reserve Bank of India (RBI), was set up on 9 July 1988 under the National Housing Bank Act, 1987.

The National Housing Bank (NHB) has sanctioned around Rs 3,018 crore under the credit-linked subsidy scheme (CLSS) of the Pradhan Mantri Awas Yojana (PMAY). MD and CEO of NHB - Sriram Kalyanaraman.

5. EXIM BANK Export–Import Bank of India is the premier export finance institution in India, established in 1982 under Export-Import Bank of India Act 1981.

▪ Capital infusion in Exim Bank has been approved by Union Cabinet.

▪ Rs 6000 crore will be infused in Export-Import Bank of India (Exim Bank) to aid it in expanding its business.

▪ The government had infused Rs 500 crore in Exim Bank in the last financial year.

▪ David Rasquinha is the Managing Director of EXIM Bank.

▪ Exim Bank gave a loan of $ 83.11 million to Congo to finance three solar power projects in the central African country. The loan will be utilised for financing 3 solar photovoltaic power projects with a total capacity of 35 MW in 3 provinces -- Karawa, Mbandaka, and Lusambo. Projects covered under the LOCs extended to Congo include hydroelectric power projects, power transmission, and more.

The Cabinet approved a joint research on the distributed ledger and blockchain technology by Export-Import Bank of India (Exim Bank) with member-banks of Brazil, Russia, India, China and South Africa (BRICS).


6. DICGC Deposit Insurance and Credit Guarantee Corporation (DICGC) is a subsidiary of Reserve Bank of India. It was established on 15 July 1978 under Deposit Insurance and Credit Guarantee Corporation Act, 1961. HQ: Mumbai; Chairman: N S Vishwanathan 8. SIDBI Small Industries Development Bank of India (SIDBI) is a development financial institution in India. It was established on 2nd April 1990.

Small Industries Development Bank of India (SIDBI) and Common Service Centres (CSC) Special Purpose Vehicle (SPV) signed MoU for providing financial Support village level entrepreneurs in CSCs. The Small Industries Development Bank of India (SIDBI) celebrates its foundation day on 2nd April every year.

9. IFC The International Finance Corporation (IFC) is an International Financial Institution that offers investment, advisory, and asset-management services to encourage private-sector development in developing countries. It was established in 20 July 1956. 10. IRDAI The Insurance Regulatory and Development Authority of India (IRDAI) is an autonomous, statutory body tasked with regulating and promoting the insurance and reinsurance industries in India.

▪ IRDAI has imposed a fine of Rs 9 lakh on state-owned United India Insurance Co (UIIC) Ltd for violating certain procedures.

▪ UIIC is headquartered in Chennai, while IRDAI is in Hyderabad.

▪ IRDAI and National Health Authority form a joint working group to recommend measures to improve the

implementation of the Centre’s Ayushman Bharat Pradhan Mantri Jan Arogya Yojana (AB-PMJAY). The joint working group will be chaired by Dinesh Arora, Deputy CEO of NHA.

▪ IRDAI has set up a panel to identify

Systemically Important Insurers (SII) headed by Pravin Kutumbe. The panel will develop a paper on assessment methodology for SIIs in India and recommend enhanced supervision for them.

▪ IRDAI has set up a 13 member

committee to review the regulatory framework on microinsurance & recommend measures to increase the demand for such products. The Committee will be haeded by IRDAI Executive Director Suresh Mathur.

▪ ▪ According to a recent report by

IRDAI, Non-life insurance firms have registered a rise of 13% in their collective premium income to Rs 1.70 lakh crore in March 2019. Earlier the 34 non-life insurers had a gross premium of Rs 1.51 lakh crore in 2017-18.

Initiatives by IRDAI : (a) Insurers to cover mental illness under medical insurance policy: According to provisions of the Act, mental health care includes analysis and diagnosis of person’s mental condition and treatment as well as care and rehabilitation of such person for his mental illness or suspected mental illness. (b)IRDAI’s admission as a Signatory to IAIS, MMoU: The Union Cabinet has approved IRDAI’s admission as a signatory to International Association of Insurance Supervisors (IAIS), Multilateral Memorandum of Understanding (MMoU).


(c) No Vehicle Insurance without Pollution Certificate: IRDAI has made it mandatory for every vehicle owner to have a valid PUC certificate to comply with the prescribed emission norms. A vehicle without such certificate is liable to be prosecuted under the Motor Vehicles Act.

11. NITI AAYOG The National Institution for Transformation of India also known as the NITI Aayog has been created to serve as a think tank for the Government of India. NITI Aayog acts as the major platform of the Government of India to bring States to act together in national interest, and thereby fosters Cooperative Federalism.

Initiatives by NITI : (a) Agreement with Microsoft for AI: NITI Aayog has inked an agreement with Microsoft India to deploy artificial

intelligence (AI) technologies to address challenges in agriculture and healthcare and promote adoption of local language computing among others. (b)South Asian Regional Conference on Urban Infrastructure: It was organised by NITI Aayog in New Delhi in partnership with United Nations Economic and Social Commission for Asia and Pacific (UNESCAP) and Asian Development Bank. (c)Himalayan State Regional Council: NITI Aayog has constituted Himalayan State Regional Council to ensure sustainable development of the Himalayan Region. (d) Transforming India Lecture Series: As the government’s premier think-tank, NITI Aayog views knowledge building & transfer as the enabler of real transformation in States.

12. NBFCs

A non-banking institution is a company having principal business of receiving deposits under any scheme or arrangement in one lump sum or in instalments by way of contributions or in any other manner, is known as non-banking financial company. According to RBI, A Non-Banking Financial Company (NBFC) is a company registered under the Companies Act, 1956 engaged in the business of loans and advances, acquisition of securities, etc. issued by Government or local authority or other marketable securities of a like nature, leasing, hire-purchase, insurance business, chit business.

▪ As per a recent RBI repost, the balance sheet size ofNBFCs grew by 17.2% to Rs 26 trillion in September 2018 from Rs 22.2 trillion in September 2017.

▪ The NBFCs Capital to Risk-weighted Assets Ratio (CRAR) decreased to 21% in September 2018 from 22.8% in March 2018.

▪ While, Loans and advances in the NBFC sector increased by 16.3% and investments increased by 14.1%.

▪ NBFCs and MFIs raised about Rs.

26,200 crore through securitisation in FY19, a growth of 170% over FY18.

▪ Eligible NBFCs offering foreign

exchange transactions to individual accounts can obtain Authorised Dealer (AD) Category-II licence.

▪ AD-Cat II licence holders will be authorised by the RBI to deal in foreign exchange for specified


purposes. These include upgraded full-fledged money changers (FFMCs)

▪

NBFCs are categorized : (a) In terms of the type of liabilities into Deposit and Non-Deposit accepting NBFCs, (b) Non deposit taking NBFCs by their size into systemically important and other non-deposit holding companies (NBFC-NDSI and NBFC-ND), (c) By the kind of activity they conduct. ▪ Reserve Bank of India has created single

category NBFC by merging their present three-tier structure.

▪ Asset finance, loan, and investment companies have been merged into a new category called NBFC- Investment and Credit Companies. This will provide greater operational flexibility to NBFCs.

Types of NBFCs: 1. Asset Finance Company (AFC)

➢ An AFC’s principal business is financing of physical assets supporting productive/economic activity, such as automobiles, tractors, lathe machines, generator sets, earth moving and material handling equipment, moving on own power and general purpose industrial machines.

2. Investment Company (IC)

➢ IC means any company which is a financial institution carrying on as its principal business the acquisition of securities.

3. Loan Company (LC) ➢ LC means any company which is a financial

institution carrying on as its principal business the providing of finance whether by making loans or advances or otherwise for any activity other than its own but does not include an Asset Finance Company.

4. Infrastructure Finance Company (IFC) ➢ IFC is a non-banking finance company a)

which deploys at least 75% of its total assets in infrastructure loans, b) has a minimum Net Owned Funds of ₹ 300 crore, c) has a minimum credit rating of ‘A ‘or equivalent d) and a CRAR of 15%.

5. Infrastructure Debt Fund ➢ IDF-NBFC is a company registered as NBFC

to facilitate the flow of long term debt into infrastructure projects. IDF-NBFC raise resources through issue of Rupee or Dollar denominated bonds of minimum 5 year maturity. Only Infrastructure Finance Companies (IFC) can sponsor IDF-NBFCs.



6. Mortgage Guarantee Companies (MGC) ➢ MGC are financial institutions for which at

least 90% of the business turnover is mortgage guarantee business or at least 90% of the gross income is from mortgage guarantee business and net owned fund is ₹ 100 crore.

7. Non-Operative Financial Holding Company (NOFHC)

➢ NBFC - NOFHC is financial institution through which promoter / promoter groups will be permitted to set up a new bank. A wholly-owned NOFHC will hold the bank as well as all other financial services companies regulated by RBI or other financial sector regulators, to the extent permissible under the applicable regulatory prescriptions.

13. Electoral Bonds

Announced: Scheme Union Budget 2017 Aim: (1) Alternative to cash donations. So that transparency in political funding can increase. (2) Elimination of unaccounted and anonymous donations to political parties. (3) In a way fights black money. Points to Remember: India is the 1st country in the world to have a

unique bond for electoral funding.

Electoral bonds are made available for 10 days

in January, April, July and October.

Any Indian citizen or a body incorporated in India can buy these bonds.

Electoral bonds will be valid for only 15 days and will not carry the name of the payee.

Bonds can be bought from SBI branches at

Mumbai, Chennai, Kolkata and New Delhi.

Electoral bonds can be bought for any amount in

multiples of Rs. 1000, Rs.10,000, Rs.1 Lakh,

Rs.10 lakh and Rs. 1 crore.

Purchaser must pay from KYC - compliant bank account.

Bonds can be donated to a registered political

party only.

14. Electronic Fund Transfer at Point of Sale

Electronic Funds Transfer At Point Of Sale (EFTPOS) is a payment system that allows faster and safer digital fund transfers at payment terminals using debit or credit cards.

EFTPOS was first introduced in the US in 1981 and rolled out in 1982, after that several other countries followed the suit.

Electronic Funds Transfer (EFT) - It is also known as e-transfer and indicates the transfer of money between accounts by consumer electronic systems such as automated teller machines (ATMs), and electronic payment of bills. Point of Sale (POS) - is the location where a sales transaction occurs

15. Priority Sector Lending


Priority sector was first properly defined in 1972 by Dr. K S Krishnaswamy committee. Priority Sector Lending is an important role given by the Reserve Bank of India (RBI) to the banks for providing a specified portion of the bank lending to few specific sectors.

As per the RBI circular of July 7, 2016, there are 8 broad categories of the PSL viz. (1) Agriculture (2) Micro, Small and Medium Enterprises (3) Export Credit (4) Education (5) Housing (6) Social Infrastructure

(7) Renewable Energy (8) weaker sections. Private sector lending is essentially meant for an all-round development of the economy and not just focus on the financial sector. Private sector lending is also linked to the Double Financial Repression. In India, private sector lending has been made a salient feature of banking mainly due to the social and economic objectives that underlie PSL. However, banks are also required to keep certain amount to maintain Statutory Liquidity Ratio (SLR) and from the remaining disposable amount, 40 per cent is dedicated for the priority sector. Thus, large fraction of banks’ resources causes the so called “Double Repression” on the banking system. The economic survey has brought this issue to the forefront and has recommended thegovernment to restructureSLR and PrioritySector Lending.

16. KYC

KYC or ‘Know Your Customer’ is nothing but the process of banks asking for your identity proof. This prevents fraud and misuse of banking facility.It is similar to a security check.

The Reserve Bank of India (RBI) has made linking of national biometric ID Aadhaar to bank accounts mandatory as part of its

updated 'Know Your Customer (KYC)' guidelines. RBI has also imposed a penalty of Rs 5 cr on south Indian bank for non-compliance with its directions on Income Recognition and Asset Classification (IRAC) norms, Know Your Customer (KYC) norms and treasury function.

17. NPA and Recovery

What is an NPA? Non-performing assets are bad loans. Once a borrower fails in payment of interest or instalment of the principal or both for 90 days at least, the loan is considered an NPA.

Rise in NPAs has taken a toll on stock prices of most of these banks. So, RBI rules require that

banks should set aside certain amount of money (provisioning) for the NPAs. NPAs are classified as sub – standard, doubtful and loss-making assets for provisioning requirements

Substandard asset NPA for a period less than or equal to 12

months.


Doubtful asset NPA for a period of

more than 12 months.

Loss asset NPA for a period of

more than 36 months

Classification of NPAs for Agriculture loans: A loan will be treated as an NPA if instalment of the principal or interest remains unpaid beyond the due date for (i) two crop seasons in case of short duration crops (maturing within one year); (ii) one crop season for long duration crops (maturing after one year).

To recover the NPAs, many measures have been taken, like: Provisioning, CAR norms, Securitization law, Foreclosure, Norms, One-time settlement, Interest Waiver, Write-offs, Debt recovery tribunals, Asset reconstruction companies

With a view to bringing convergence of the Priority Sector Lending guidelines for housing loans with the Affordable Housing Scheme, and to give a relaxation to low-cost housing for the Economically Weaker Sections the housing loan limits for eligibility under priority sector lending will be revised to Rs 35 lakh in metropolitan centres from Rs 28 and to Rs 25 lakh from Rs 20 lakh earlier in other centres, provided the dwelling cost does not exist Rs 45 lakh.

SARFAESI ACT 2002 (1) The Securitisation and Reconstruction of Financial Assets and Enforcement of Securities Interest Act, 2002 (also known as the SARFAESI Act) is an Indian law. It allows banks and other financial institution to auction residential or commercial properties to recover loans. (2) It is used to expedite recovery of loans and bring down the non – performing asset level of the Indian banking and financial sector. (3) It will thus become easier to recover bad loans from wilful defaulters.

According to 'Financial Stability Report' released RBI on 31 December 2018, banks Gross Non-Performing Assets' (GNPAs) ratio have improved to 10.8% in September 2018 from 11.5% in

March 2018.Also the Net Non-Performing Assets (NNPAs) ratio witnessed a fall at 5.3% in September 2018 as against 6.2% in March 2018.

Prompt Corrective Action (PCA) (1) To ensure that banks don't go bust, RBI has put in place some trigger points to assess, monitor, control and take corrective actions on banks which are weak and troubled. The process or mechanism under which such actions are taken is known as Prompt Corrective Action, or PCA. (2) Regulators use 4 different capital measures i.e. a total risk and a Tier - 1 based capital ratio, leverage and Equity to assets ratio.

Asset Reconstruction Company (1) In order to recover the bad debts (sticky loans), the Asset Reconstruction Company, who have built – in professional expertise, handles recovery as their core business. (2) ARCs buy bad loans from banks and try to restructure them and collect them. ARC is formed under SARFAESI Act, 2002. (3) Under this Bank / FIs have the power to sell their bad loans. The loans which are of 1 lakh or more fall in this category

Debt Recovery Tribunal (1) The Government of India has constituted 38 Credit Recovery Tribunals (DRT) and constituted the 5 Debt Restore Appeal Tribunal (DRAT) across the country. (2) The Debt Recovery Tribunal is located throughout the country under ‘Recovery of Debts due to Banks and Financial Institutions (RDDBF) Act, 1993’. (3) As per the act, the issue is to be settled in 6 months and in this case the success rate is around 20 – 30%. Strategic Debt Restructuring (1) Strategic Debt Restructuring (SDR) Scheme allows banks and non-banking lending institutions to convert their loans into equity stake. (2) Under the SDR scheme, banks are exempted from making an open offer while acquiring majority stake in a stressed company.


Lok Adalats (1) Lok Adalat ("Public Court" or "People's Court") is one of the Alternative dispute resolution mechanisms in India, it is a forum

where cases pending or at pre-litigation stage in a court of law are settled. (2) Created under Legal Services Authority Act 1987. (3) According to RBI guidelines issued in 2001, they cover NPA up to Rs. 20 lakhs, both suits filed, and non-suit filed are covered.

18. Financial Inclusion

Financial inclusion basically means making credit, banking and financial services & products accessible to: (1) Weaker section and low-income group (2) People residing in remote or rural areas and villages.

Types of Financial Inclusion: Financial inclusion aims to take care people who fall in 2 types of groups: 1. Low Income section in Urban Areas 2. Low Income section in Rural Areas

Fig: Financial Inclusion Initiatives

LBS (Lead Banking Scheme) Started: 1969 by RBI Recommended by: Gadgil Study Group & Nariman Committee.

Aim: Bridging the gap left by absence of commercial banks in rural areas. Implementation: A public or private bank was allotted an area (district) in which that bank had to play a lead role in providing financial services to the people, making them aware about the banks and various benefits of banks and generating trust among people so they deposit their money without any fear of loss or fraud. No Frills Account Started: 2005 by RBI Recommendation by: Rangarajan Committee Aim: Simplified KYC norms and either nil or very low minimum balance to help low income groups maintain bank accounts. Implementation: However, all the existing ‘No-frills’ accounts opened were converted into BSBDA (Basic Savings Bank Deposit Accounts). BSBDA Account Started: 2012 by RBI Aim: To extend benefits of no-frills account to common man. Implementation: Applicable to all scheduled commercial banks in India including Foreign Banks having branches in India. Pradhan Mantri Jan Dhan Yojana Prime Minister's People's' Wealth Scheme is a government scheme that aims to expand and make affordable access to financial services such as bank accounts, remittances, credit, insurance and pensions.


Business Correspondenceis exchange of information in a written format for the process of business activities that can take place between organizations, within organizations or between the customers and the organization. Business Correspondence includes individuals, NGOs,SHGs, NBFCs, Payment Banks and so on. White Label ATMs Automated Teller Machines (ATMs) setup, owned and operated by non-bank entities are called ‘White Label ATMs’ (WLAs). Tata Communications Payment Solutions (TCPS), started 1st white label ATM (WLA) at

Chandrapada, a tier-V town near Mumbai under the brand name “Indicash” in 2013. Government has allowed 100% FDI in White Labelled ATM operations since 2015. Self-Help Group SHGs have their origin from the Gramin Bank of Bangladesh which was founded in 1975 by the economist Prof. Mohammad Yunus of Chittagong University. It is a village-based financial intermediary committee comprising of 10–20 local women or men.

19. Banking Ombudsman Scheme

The Banking Ombudsman Scheme is an expeditious and inexpensive forum for bank customers for resolution of complaints relating to certain services rendered by Banks. The Banking Ombudsman Scheme is introduced under Section 35 A of the Banking Regulation Act, 1949 by RBI with effect from 1995.

Presently the Banking Ombudsman Scheme 2006 (as amended up to July 1, 2017) is in operation. Banking Ombudsman is a senior official appointed by RBI. He handles and redresses customer complaints against deficiency in certain banking services.

20. Abbreviations

• AAY: Antyodaya Anna Yojana • CAA&A: Controller of Aid Accounts & Audit • BBB: Banks Board Bureau • CFPI: Consumer Food Price Index • CIRP:Corporate Insolvency Resolution

Process • CLSS: Credit Linked Subsidy Scheme • DARE: Department of Agricultural Research

& Education • DDA: Doha Development Agenda • DGCI&S: Directorate General of Commercial

Intelligence & Statistics • DGFT: Directorate General of Foreign Trade • DIPAM: Department of Investment & Public

Asset Management • DIPP: Department of Industrial Policy &

Promotion • DISCOMS: Distribution Companies

• EBRD: European Bank for Reconstruction & Development

• EFTA: European Free Trade Association • EIB: European Investment Bank • e-NAM: Electronic National Agriculture

Market • EPCG: Export Promotion on Capital Goods • FSLRC: Financial Sector Legislative Reforms

Commission • FSRASC: Financial Sector Regulatory

Appointment Search Committee • GCC: Gulf Cooperation Council • ICRA: Indian Credit Rating Agency. • IBC: Insolvency & Bankruptcy Code • IFSC:Indian Financial System Code • IMPS: Immediate Payment Service • LFPR: Labour Force Participation Rate • M0: Reserve Money


• M3: Broad money • MDGs: Millennium Development Goals • NAREDCO: National Real Estate

Development Council • NCDs: Non-Convertible Debentures • NCLT: National Company Law Tribunal • NEFT: National Electronic Fund Transfer • NICRA: National Innovations on Climate

Resilient Agriculture • NPCI:National Payments Corporation of

India • MAY: Pradhan Mantri Awas Yojana • ‘PMFBY: Pradhan Mantri Fasal Bima Yojana • PMKSY: Pradhan Mantri Krishi Sinchayee

Yojana

• POL: Petroleum Oil & Lubricants • RMSA: Rashtriya Madhyamik Shiksha

Abhiyan • RTGS: Real Time Gross Settlement • SSA: Sarva Shiksha Abhiyaan • SUUTI: Specified Undertaking for Unit Trust

of India • SWIFT: Society for Worldwide Interbank

Financial Telecommunication. • SWP: Systematic Withdrawal Plan • UDAY: Ujwal Discom Assurance Yojana • UDISE: Unified District Information System

for Education.

21. Capital Market

Capital market is a platform where investors and buyers get into trade of financial securities such as bonds, stocks, etc.

1. IPO - Stands for Initial Public Offering. It is a term used when a private company or corporation raises investment capital by offering its stock to the public for the first time. 2. FPO - Stands for Follow on Public Offer. It is a process by which an already listed company on an exchange issues new shares to the investors or the existing shareholders, usually the promoters. 3. Right Issue - It is an invitation to existing shareholders to purchase additional new shares in the company. 4. ADR - Stands for American Depository Receipt. It is a negotiable certificate issued by a U.S. bank that represents a specified number of shares (or one share) in a foreign stock traded on a U.S. exchange. 5. GDR - Stands for Global Depository Receipt (GDR). It is a bank certificate issued in more than one country for shares in a foreign company. The shares are held by a foreign branch of an international bank.

6. IDR - International Depository Receipt is a negotiable certificate that a bank issue. It is also known as ADR in U.S.A. In Europe, IDRs are known as Global Depository Receipts, and trade on the London, Luxembourg and Frankfurt exchanges.



7. NSDL - Stands for National Securities Depository Ltd. It is India’s oldest and largest depository and refers to the organization meant for holding and safeguarding the securities that are traded in the securities market. 8. CDSL - Central Depository Services Limited is a depository service that works for the Bombay Stock Exchange (BSE). CDSL is promoted by the State Bank of India (SBI), Bank of India, Bank of Baroda, HDFC Bank, Standard Chartered Bank, Axis Bank and the Union Bank of India. 9. Debenture - It is a type of debt instrument that is not secured by physical assets or collateral. Corporations and governments frequently issue this type of bond to secure capital.These are usually documented in an indenture. 10. BSE - The Bombay Stock Exchange was established by Premchand Roychand in 1875. It is Asia’s first stock exchange and claims to be the world's fastest stock exchange, with a median trade speed of 6 microseconds. 11. Sensex - It is the benchmark index of the Bombay Stock Exchange (BSE) and is also known as S&P. It is composed of 30 of the largest and most actively-traded stocks on the BSE, providing an accurate gauge of India's economy. 12. NSE - The National Stock Exchange of India was established in 1992. It is India’s first demutualized electronic exchange. 13. Nifty - Like Sensex, Nifty is a major stock index introduced by the NSE in India. The term was coined from two words ‘National’ and ‘FIFTY’. 14. OTCEI - The Over-The-Counter Exchange Of India (OTCEI), founded in 1990 is an electronic stock exchange that consists of small- and medium-sized firms aiming to gain access to the capital markets like electronic exchanges in the U.S. such as the Nasdaq. The OTCEI is no longer a functional exchange as the same has been derecognised by SEBI vide its order dated 31 Mar 2015.

15. Commodity Market - It is a physical or virtual marketplace for buying, selling and trading raw or primary products. There are about 50 major commodity markets worldwide that facilitate investment trade in approximately 100 primary commodities. 16. MCX - The Multi Commodity Exchange of India Ltd. was established in 2003 and is an independent commodity exchange. It is India's largest commodity derivatives exchange where the clearance and settlements of the exchange happen. 17. NCDEX - National Commodity & Derivatives Exchange Limited is an online commodity exchange based in India. 18. Derivatives - It is a contract between two or more parties based upon the asset or assets. Its price is determined by fluctuations in the underlying asset.

Forward Contract

It is a private agreement between two parties giving the buyer an obligation to purchase an asset (and the seller an obligation to sell an asset) at a set price at a future point in time.

Future Contract

It is a contract for assets (especially commodities or shares) bought at agreed prices but delivered and paid for later.

Option It is a contract, or a provision of a contract, that gives one party (the option holder) the right, but not the obligation to perform a specified transaction with another party (the option issuer or option writer) according to specified terms. - Call Option: This option provides the holder the right (but not the obligation) to purchase an underlying asset at a specified price (the strike price), for a certain period. - Put Option: This option gives the holder the right to sell an underlying asset at a specified price (the strike price).


SWAP It is a derivative contract where two parties exchange financial instruments.

17. Mutual Fund- It is an investment vehicle made up of a pool of money collected from many investors for investing in securities such as stocks, bonds, money market instruments and other assets. Mutual Funds are regulated in India by SEBI. The most popular types of mutual funds in India are -

• Equity funds • Debt funds • Money market funds • Index funds

Net asset value (NAV) represents a funds per share market value. NAV is the sum of the market value of all the shares held in the portfolio divided by the total number of units outstanding.

Close Ended

Scheme Open Ended

Scheme

A scheme where funds are raised for a fixed period and is wound up after a certain period.

It is available for subscription and repurchase on a continuous basis and do not have a fixed maturity period.

22. Money Market

It is the trade in short-term loans between banks and other financial institutions. Usually, financial instruments with high liquidity and short-term maturities are traded.

Few instruments of Money Market are: 1. Call Money - Is the money loaned by a bank or other institution which is repayable on demand for 1 day. Call money does not have a fixed schedule, nor does the lender need to provide any notice of repayment. Period - 1 day 2. Notice Money - The money that is lent for one day in money market is known as call money and if it exceeds one day, it is known as notice money. Period - 2-14 days 3. Term Money - While Call money and notice money refers to short-term funds (less than 14 days). Period - 15 days - 1 year 4. Certificate of Deposits - It is equivalent to promissory note and is negotiable. Certificate of Deposits (CD) is issued in lieu of the funds deposited at a bank for a specified time. It was introduced in July 1989, to enable the

Banking system to mobilize bulk deposits from the market. Minimum amount: 1 lakh; Period: 7 days - 1 year 5. Commercial Papers - Commercial Paper, introduced in 1990, is issued (sold) by large corporations to obtain funds to meet short-term debt obligations and is backed only by an issuing bank or company promise to pay the face amount on the maturity date specified on the note. Minimum amount: 5 lakhs or its multiples; Period: 7 days - 1 year 6. Treasury Bills - These are short term borrowing instruments of the Government of India. Treasury Bills enable investors to park their short term surplus funds while reducing their market risk. They are auctioned by Reserve Bank of India at regular intervals and issued at a discount to face value. Minimum amount: Rs. 25000 or its multiples; Period: 91 days, 182 days & 364 days. 7. Ways and Means of Advances - is a method used by Reserve Bank of India (RBI) under its credit policy by which it helps States banking with it to tide over temporary mismatches in the cash flow of their receipts and payments.


8. Cash Management Bills - are short term bills issued by central government to meet its

immediate cash needs. The bills are issued by the RBI on behalf of the government.

23. Basel Norms

- The Basel accord are a set of agreements set by Basel Committee on Banking Supervision (BCBS) which provides recommendation on banking regulation with respect to capital risk, market risk and operational risk. - The BCBS's secretariat is located at Bank of International Settlements in Basel, Switzerland.

- The purpose of this accord is to ensure that financial institutions have enough capital to meet obligations and absorb unexpected stress.

Capital Adequacy Ratio:

Basel Norms I

It divides the asset account to risk in 5 categories:-

1. 0% Risk 2. 10% Risk 3. 20% Risk 4. 50% Risk

5. 100% Risk

Basel Norms II The 3 main pillars of the Basel Norms II are: - Minimum Capital requirement - Supervisory Review - Market discipline

India adopted Basel-II in 2009. Basel Norms III

- RBI extended the timeline for fully implementation of Basel-III capital regulation by a year to March 31st, 2019.

- Indian government estimated the total Risk Weighted Assets till 2019 will be 120 lakh crore Rupees and where CAR is minimum 9%.

24. Maharatna, Navratna & Miniratna Category of PSEs

1. Maharatna CPSEs

Bharat Heavy Electricals Limited

Coal India Limited

GAIL (India) Limited Indian Oil Corporation Limited

NTPC Limited Oil & Natural Gas Corporation Limited

Steel Authority of India Limited

Bharat Petroleum Corporation Limited

2. Navratna CPSEs

Bharat Electronics Limited

Container Corporation of India Limited

Engineers India Limited

Hindustan Aeronautics Limited

Hindustan Petroleum Corporation Limited

Mahanagar Telephone Nigam Limited

National Aluminium Company Limited

National Buildings Construction Corporation Limited


NMDC Limited Neyveli Lignite Corporation Limited

Oil India Limited Power Finance Corporation Limited

Power Grid Corporation of India Limited

Rashtriya Ispat Nigam Limited

Rural Electrification Corporation Limited

Shipping Corporation of India Limited

3. Miniratna Category - I CPSEs

Airports Authority of India

Antrix Corporation Limited

Balmer Lawrie & Co. Limited

Bharat Coking Coal Limited

Bharat Dynamics Limited

BEML Limited

Bharat Sanchar Nigam Limited

Bridge & Roof Company (India) Limited

Central Warehousing Corporation

Central Coalfields Limited

Chennai Petroleum Corporation Limited

Cochin Shipyard Limited

Dredging Corporation of India Limited

Kamarajar Port Limited

Garden Reach Shipbuilders & Engineers Limited

Goa Shipyard Limited

Hindustan Copper Limited

HLL Lifecare Limited

Hindustan Newsprint Limited

Hindustan Paper Corporation Limited

Housing & Urban Development Corporation Limited

India Tourism Development Corporation Limited

Indian Rare Earths Limited

Indian Railway Catering & Tourism Corporation Limited

Indian Renewable Energy Development Agency Limited

India Trade Promotion Organisation

IRCON International Limited

KIOCL Limited

Mazagaon Dock Limited

Mahanadi Coalfields Limited

Manganese Ore (India) Limited

Mangalore Refinery & Petrochemical Limited

Mishra Dhatu Nigam Limited

MMTC Limited

MSTC Limited National Fertilizers Limited

National Seeds Corporation Limited

NHPC Limited

Northern Coalfields Limited

North Eastern Electric Power Corporation Limited

Numaligarh Refinery Limited

ONGC Videsh Limited

Pawan Hans Helicopters Limited

Projects & Development India Limited

Railtel Corporation of India Limited

Rail Vikas Nigam Limited

Rashtriya Chemicals & Fertilizers Limited

RITES Limited

SJVN Limited Security Printing and Minting Corporation of India Limited

South Eastern Coalfields Limited

State Trading Corporation of India Limited

Telecommunications Consultants India Limited

THDC India Limited

Western Coalfields Limited

WAPCOS Limited

Ed.CIL (India) Limited HSCC (India) Limited

National Small Industries Corporation Limited

Indian Railway Finance Corporation Limited

4. Miniratna Category-II CPSEs

Bharat Pumps & Compressors Limited

Broadcast Engineering Consultants (I) Limited

Central Mine Planning & Design Institute Limited

Central Railside Warehouse Company Limited

Engineering Projects (India) Limited

FCI Aravali Gypsum & Minerals India Limited

Ferro Scrap Nigam Limited

HMT (International) Limited


Indian Medicines & Pharmaceuticals Corporation Limited

Artificial Limbs Manufacturing Corporation of India

Mineral Exploration Corporation Limited

National Film Development Corporation Limited

P E C Limited Rajasthan Electronics & Instruments Limited

M E C O N Limited

25. List of International Airports in India

Airports Name

City State/ Union

Territory

Veer Savarkar

International Airport

Port Blair

Andaman and

Nicobar Islands

Visakhapat-

nam Airport

Visakha-

patnam

Andhra

Pradesh

Lokpriya

Gopinath Bordoloi

International

Airport

Guwahati Assam

Gaya Airport Gaya Bihar

Indira Gandhi

International

Airport

New Delhi Delhi

Goa International

Airport

Whole

state Goa

Sardar

Vallabhbhai Patel

International

Airport

Ahmed-

abad

Gujarat

Kempegowda International

Airport

Bengaluru Karnataka

Mangalore


Manga-

lore Karnataka

Cochin

International

Airport

Kochi Kerala

Calicut

International

Airport

Calicut Kerala

Trivandrum International

Airport

Thiruvan-anthap-

uram

Kerala

Chhatrapati

Shivaji


Mumbai Maharashtra

Dr. Babasaheb

Ambedkar


Nagpur Maharashtra

Pune Interna-

tional Airport Pune Maharashtra

Tulihal Airport Imphal Manipur


Biju Patnaik


Bhuban-

eswar Odisha

Sri Guru Ram

Dass Jee


Amritsar Punjab

Jaipur

International

Airport

Jaipur Rajasthan

Rajiv Gandhi International

Airport

Hydera-

bad Telangana

Tiruchirappalli


Tiruchira-

palli Tamil Nadu

Chennai

International

Airport

Chennai Tamil Nadu

Coimbatore

International Airport/Civil

Aerodrome

Coimbatore

Tamil Nadu

Guru Ram Dass

ji International Airport

Amritsar Punjab

Chandigarh

International

Airport

Chandi-garh

Punjab

Chaudhary Charan Singh

Airport

Lucknow Uttar Pradesh

Lal Bahadur

Shastri Airport Varanasi Uttar Pradesh

Netaji Subhash Chandra Bose

International

Airport

Kolkata West Bengal

26. List of Revolutions in India

Revolution Product

Black Revolution Petroleum Product

Blue Revolution Fish Production

Brown Revolution Leather, Cocoa

Golden Fibre

Revolution

Jute Production

Golden Revolution Overall Horticulture,

Honey, Fruit

Production

Green Revolution Agriculture

Production

Grey Revolution Fertilizers

Pink Revolution Onions, Prawn


Red Revolution Meat, Tomato

Production

Evergreen Revolution

overall agriculture production growth

Round Revolution Potato Production

Silver Fibre

Revolution

Cotton Production

Silver Revolution Egg Production

White Revolution Dairy, Milk Production

Yellow Revolution Oil Seed Production

Round Revolution Potato

27. Indian & International Bank Taglines

Indian Banks and their Taglines

Banks HQ Tagline

State Bank India

Mumbai The Banker to Every Indian

Axis Bank Mumbai Badhti ka Naam Zindagi

Bank of India Mumbai Relationship Beyond Banking

Central Bank of India

Mumbai Central to You Since 1911

Dena Bank Mumbai Trusted Family Bank

HDFC Bank Mumbai We Understand your World

IDBI Bank Mumbai Banking for all/ Aao Sochein Bada

ICICI Bank Mumbai Hum hai na, Khayal Apka

IDFC First Bank

Mumbai Always You First

IndusInd Bank

Mumbai We Make you Feel Richer/We Care; Dil Se

Kotak Mahindra Bank

Mumbai Let's Make Money Simple

Yes Bank Mumbai Experience Our Expertise

Bank of Maharashtra

Pune Ek Parivar ek Bank/One Family One Bank

Allahabad Bank

Kolkata A Tradition of Trust

Bandhan Bank

Kolkata Aapka Bhala Sabki Bhalai

United Bank of India

Kolkata The Bank that Begins with “U”

UCO Bank Kolkata Honors your Trust

Union Bank of India

Mumbai Good People to Bank with

Punjab National bank

New Delhi

The Name You Can Bank Upon

Punjab and Sind Bank

New Delhi

Where Service is a Way of Life

Canara Bank Bengaluru

Together We Can

Vijaya Bank Bengaluru

A Friend You Can Bank Upon

Syndicate Bank

Manipal Faithful and Friendly

Corporation Bank

Mangalore

Prosperity for all

Karnataka Bank

Mangalore

Your Family Bank, Across India

Indian Bank Chennai Your Own Bank Indian Overseas Bank

Chennai Good People to Grow With

Lakshmi Vilas Bank

Chennai The Changing Face of Prosperity


South Indian Bank

Kerala Experience Next Generation Banking

Andhra Bank Hyder-abad

Where India Banks

Bank of Baroda

Vado-dara

India’s International Bank

Citi Union bank

Tamil Nadu

Trust and Excellence since 1904

Karur Vysya Bank

Tamil Nadu

Smart Way to Bank


Guru-gram, Haryana

Where Every Individual is Committed

Federal bank Kochi Your Perfect Banking Partner

International Banks and their Taglines

Bank Tagline

American Express Bank

Do More

BNP Paribas The Bank for a Changing World

Barclays Bank Fluent in Finance Citi Bank Let’s Get it Done / The

Citi Never Sleeps DBS Bank Living, Breathing Asia Deutsche Bank A Passion to Perform HSBC Bank World’s Local Bank JPMorgan Chase Bank

The Right Relationship is Everything

Royal Bank of Scotland

Make It Happen

Scotia Bank You’re Richer Than You Think

Standard Chartered Bank

Your Right Partner

28. Union Cabinet Ministers & their Constituency

Department Ministers

Ministry of Personnel, Public Grievances and

Pensions, Ministry of Atomic Energy, Ministry of Space All Important Policy Issues, All

Narendra Modi



Other Portfolios not allocated to any Minister

Ministry of Minister of Defence

Rajnath Singh

Minister of Home Affairs Amit Shah

Minister of Road Transport and Highways; and Minister of Micro, Small and Medium Enterprises

Nitin Jairam Gadkari

Minister of Chemical and Fertilizers

DV Sadanand Gowda

Minister of Finance; and Minister of Corporate Affairs

Nirmala Sitharaman

Minister of Consumer Affairs, Food and Public Distribution

Ram Vilas Paswan

Minister of Agriculture and Farmers Welfare; Minister of Rural Development; and Minister of Panchayati Raj

Narendra Singh Tomar

Minister of Law and Justice; Minister of Communications; and Minister of Electronics and Information Technology

Ravi Shankar Prasad

Minister of Food Processing Industries

Harsimrat Kaur Badal

Minister of Social Justice and Empowerment

Thawar Chand Gehlot

Minister of External Affairs Dr. S Jaishankar

Minister of Human Resource Development

Ramesh Pokhriyal Nishank

Minister of Tribal Affairs Arjun Munda

Minister of Women and Child Development; Minister of Textiles

Smriti Irani

Minister of Health and Family Welfare;’ Minister of Science and Technology; and Minister of Earth Sciences

Dr. Harshvardhan

Minister of Environment, Forest and Climate Change; and Minister of Information and Broadcasting

Prakash Javadekar

Minister of Railways; and Minister of Commerce and Industry

Piyush Goyal

Minister of Petroleum and Natural Gas; and Minister of Steel

Dharmendra Pradhan

Minister of Minority Affairs Mukhtar Abbas Naqvi

Minister of Parliamentary Affairs; Minister of Coal; and Minister of Mines

Prahalad Joshi

Minister of Skill Development and Entrepreneurship

Dr. Mahendra Nath Pandey

Minister of Heavy Industries and Public Enterprise

Arvind Sawant

Minister of Animal Husbandry, Dairying and Fisheries

Giriraj Singh

Minister of Jal Shakti Gajendra Singh Shekhawat

29. Census 2011


The Indian Census 2011 was referred to as the seventh census operation after Indian Independence. The national census 2011 has been run on all the 28 states of the country and the seven Union Territories. The data of Indian census 2011 covers all the major aspects of society like population, sex ratio and literacy percentage as well.

• First census was conducted in 1872. • Census 2011 were released in New Delhi on

31st March 2011 by Union Home Secretary GK Pillai and RGI C Chandramouli.

• Census 2011 was the 15th census of India& 7th census after Independence.

• Total estimated cost of the Census was INR 2200 crore (US$350 million).

• Total Population estimated - 1,210,569,573 (1.21 Billion).

• India in 2nd rank in population with 17.64% decadal growth & China is 1st rank with decadal growth 19% (over 1.35 billion).

• Total male Population - [Males - 623.7 million (51.54%)].

• Total Females Population - 586.46 million (48.46%).

• Highest Populated State - Uttar Pradesh followed by Maharashtra and Bihar.

• Least Populated State - Sikkim • Highest Populated Union territory - New

Delhi • Least populated Union Territory -

Lakshadweep followed by Daman and Diu • Highest Urban population In India-

Maharashtra – 4,11,00,980 • Lowest urban Population in India -

Lakshadweep – 26,967

• Highest Rural Population in India - Uttar Pradesh – 13,16,58,339

• Lowest Rural Population in India (state & UT)- Lakshadweep – 33,683

• The next Census will be out by 2021. Sex Ratio (Females per 1000 Males)- 943: 1000

Sex Ratio State

Sex Ratio (Females per 1000 Males)

Kerala (1084)

Lowest sex ratio Haryana (879) Highest sex ratio in UT Pondicherry

(1037) Lowest sex ratio in UT Daman and Diu

(618) Child (0-6 years) sex ratio

914

Highest child (0-6) sex ratio in state

Mizoram (971)

Lowest child (0-6) sex ratio in state

Haryana (830)

Literacy Rate in India

Males 82.14% Females 65.46% Highest Literacy Rate in State

Kerala (94%)

Lowest Literacy Rate in State

Bihar (61.8%)

Highest Literacy Rate in UT

Lakshadweep (91%)

Lowest Literacy Rate in UT

Dadra and Nagar Haveli (76.24%

30. Rivers, Dams & States

State Name River Name

Andhra Pradesh

Somasila Dam Pennar River Srisailam Dam Krishna River

Gujarat Ukai Dam Tapti River Dharoi Dam Sabarmati

River Kadana dam Mahi River

Dantiwada Dam Banas River Sardar Sarovar Dam (Narmada Dam)

Narmada River

Himachal Pradesh and

Bhakra Nangal Dam

Sutlej River


Punjab Border Himachal Pradesh

Pandoh Dam Beas River Nathpa Jhakri Dam

Satluj River

Chamera Dam Ravi River Jammu and Kashmir

Baglihar Dam Chenab River Dumkhar Hydroelectric Dam

Indus River

Uri Hydroelectric Dam

Jhelum River

Jharkhand

Maithon Dam Barakar River Chandil Dam Swarnarekha

River Panchet Dam Damodar

River Karnataka

Tunga Bhadra Dam

Tungabhadra River

Linganamakki dam Sharavathi River

Kadra Dam Kalinadi River

Alamatti Dam Krishna River Supa Dam Kalinadi or

Kali river Krishna Raja Sagara Dam

Kaveri River

Harangi Dam Harangi River Narayanpur Dam Krishna River Kodasalli Dam Kali River

Kerala Malampuzha Dam

Malampuzha River

Peechi Dam Manali River Idukki Dam Periyar River Kundala Dam Kundala Lake Parambikulam Dam

Parambikulam River

Walayar Dam Walayar River

Mullaperiyar Dam

Periyar River

Neyyar Dam Neyyar River Madhya Pradesh

Barna Dam Barna River Bargi Dam Narmada

River Bansagar Dam Sone River

Gandhi Sagar Dam

Chambal River

Maharashtra

Yeldari Dam Purna river Ujani Dam Bhima River Pawna Dam Maval River Mulshi Dam Mula River Koyna Dam Koyna River Jayakwadi Dam Godavari

River Bhatsa Dam Bhatsa river Wilson Dam Pravara River Tansa Dam Tansa river Panshet Dam Ambi River Mula Dam Mula river Kolkewadi Dam Vashishti

River Girna Dam Girana river Vaitarna Dam Vaitarna river Khadakwasla Dam

Mutha River

Gangapur Dam Godavari river

Telangana

Radhanagari Dam

Bhogawati River

Lower Manair Dam

Manair River

Mid Manair Dam Manair River and SRSP Flood Flow Canal

Upper Manair Dam

Manair River and Kudlair River

Singur dam Manjira River Nizam Sagar Dam Manjira River

Odisha Indravati Dam Indravati River

Hirakud Dam Mahanadi River

Tamil Nadu

Vaigai Dam Vaigai River Perunchani Dam Paralayar

River Mettur Dam Kaveri River

Uttarakhand

Tehri Dam Bhagirathi River

Dhauli Ganga Dam

31. List of Major Ports in India


Name of the Sea Ports

Coast State

Kandla Western Coast

Gujarat

Mumbai Western Coast

Maharashtra

Jawaharlal Nehru Western Coast

Maharashtra

Marmugoa Western Coast

Goa

Mangalore Western Coast

Karnataka

Cochin Western Coast

Kerala

Haldia Eastern Coast

West Bengal

Paradip Eastern Coast

Odisha

Vishakhapatnam Eastern Coast

Andhra Pradesh

Chennai Eastern Coast

Tamil Nadu

Ennore Eastern Coast

Tamil Nadu

Tuticorin Eastern Coast

Tamil Nadu

32. Major Atomic/Thermal/Hydro Power Plants

There are 3 major resources through which Power Station runs in India. 1. Nuclear Power Plants 2. Thermal Power Plants 3. Hydropower Plants

Nuclear Power Plant in India Nuclear power stations are the fourth-largest source of electricity in India after Thermal, Hydroelectric and Renewable sources of electricity. As of 2016, India has 21 nuclear reactors in 7 Nuclear Power plants. Some Nuclear Power plants are under construction and some are planned projects which will be implemented in future.

Atomic Power Station State

Narora Nuclear Power plant Uttar Pradesh

Rawatbhatta Nuclear Power plant

Rajasthan

Kakarpar Nuclear Power plant

Gujarat

Kaiga Nuclear Power plant Karnataka Kundankullam Nuclear Power plant

Tamil Nadu

Kalpakkam Nuclear Power plant

Tamil Nadu

Tarapur Nuclear Power plant Maharashtra

Rajasthan Atomic Power Station

Rajasthan

Thermal Power Plant in India Thermal power is the largest source of power in India. There are different types of Thermal power plants based on the fuel used to generate the steam such as coal, gas, and Diesel. About 65% of electricity consumed in India are generated by thermal power plants.

Thermal Power Station State

Singrauli Thermal Power Plant

Madhya Pradesh

Ramagundam Thermal Power Plant

Andhra Pradesh

Dadri Thermal Power plant Uttar Pradesh Talcher Thermal Power plant

Odisha

Korba Thermal Power plant Chhattisgarh Vindhyachal Thermal Power plant

Madhya Pradesh

Farakka Thermal Power plant

West Bengal

Mudra Thermal Power plant

Gujarat

Sipat Thermal Power plant Chhattisgarh Rihand Thermal Power plant

Uttar Pradesh

Jharsuguda Thermal Power plant

Odisha


Tiroda Thermal Power plant

Maharashtra

Anpara Thermal Power plant

Uttar Pradesh

Barauni Thermal Power plant

Bihar

Bellary Thermal Power plant

Karnataka

Durgapur Thermal Power plant

West Bengal

Sikka Thermal Power plant Gujarat Satpura Thermal Power plant

Madhya Pradesh

Wanakbori Thermal Power plant

Gujarat

Obra Thermal Power plant Uttar Pradesh Udupi Thermal Power plant Karnataka Simhadri Thermal Power plant

Andhra Pradesh

Hydropower Plant in India Hydropower is one of the oldest and widely used renewable sources of energy. India is the 7th largest producer of hydroelectric power in the world and ranks 3rd worldwide by its total number of dams.

Hydropower

Station

City State

Koyna Hydro Electric Power plant

Koyna Maharashtra

Hirakund Hydro Electric Power plant

Mahanadi Odisha

Idukki Hydro Electric Power plant

Periyar Kerala

Nagarjuna Hydro Electric Power plant

Krishna Andhra Pradesh

Tehri Hydro Electric Power plant

Bhagirathi Uttarakhand

Bhakra Nangal Hydro Electric Power plant

Sutlej Himachal Pradesh

Sardar Sarovar Hydro Electric Power plant

Narmada Gujarat

Nathpa Jhakri Hydro Electric Power plant

Sutlej Himachal Pradesh

Srisailam Hydro Electric Power plant

Krishna Andhra Pradesh

Indirasagar Hydro Electric Power plant

Narmada Madhya Pradesh

Sharavathi Hydro Electric Power plant

Sharavathi Karnataka

Dehar Hydro Electric Power plant

Beas Himachal Pradesh

Kalinadi Hydro Electric Power plant

Kalinadi Karnataka

Teesta Hydro Electric Power plant

Teesta Sikkim

Baira-Siul Hydro Electric Power plant

Baira Himachal Pradesh

Salal Hydro Electric Power plant

Chenab Jammu and Kashmir

Machkund Hydro Electric Power plant

Machkund Andhra Pradesh, Orissa

Balimela Hydro Electric Power plant

Sileru Odisha


Subarnarekha Hydro Electric Power plant

Subarnarekha

Jharkhand

Shivanasamudra Hydro Electric Power plant

Kaveri Karnataka

Loktak Hydro Electric Power plant

Leimtak Manipur

Rihand Hydro Electric Power plant

Rihand Madhya Pradesh,

Uttar Pradesh

Rangit Hydro Electric Power plant

Rangit Sikkim

Bansagar Hydro Electric Power plant

Sone Madhya Pradesh

Uri Hydro Electric Power plant

Jhelum Jammu and Kashmir

33. List of Upcoming Sports Venues

Asian Games Asian Games 2018 is a Pan India Multi Continental Event. This 18th Asian Games washeld from 18th August – 2nd September 2018. The Game is also known as Jakarta Palembang 2018.

Sports Venue 2014- Incheon, South Korea

Sports Venue 2018- Jakarta, Palembang, Indonesia

Sports Venue 2022- Hangzhou, China

Commonwealth Games The Commonwealth Games are an international multi-sport event involving athletes from the Commonwealth of Nations. The event was first held in 1930 and has taken place every four years since then.

Venue of CWG 2014 - Glasgow, Scotland

Venue of CWG 2018 – Gold Coast, Australia

Venue of CWG 2022- Birmingham, England

Sports - 69 Gold – 15 Silver - 24 Bronze - 30

Shooting – 9

Saurabh Chaudhary, Rahi Sarnobat

Deepak Kumar, Sanjeev Rajput, Lakshay, Shardul Vihan

Abhishek Verma, Apurvi Chandela, Ravi Kumar

Wrestling – 3

Bajrang Punia, Vinesh Phogat

- Divya Kakran

Sepaktakraw - 1

- - Men’s Team Regu

Tennis – 3

Mixed Double Team - Rohan Bopanna

-

Ankita Raina, Prajnesh Prabhakaran

& Sharan Divij

Wushu -4 - -

Santosh Kumar, Surya Bhanu Pratap, Narender Grewal, Roshibina Devi

Kabaddi – 2

- Women's Team

Men's Team

Rowing – 3

Men's Quadruple Sculls Team

-

Dushyant, Men's Lightweight Double Sculls Team


Athletics - 19

Tajinderpal Singh, Neeraj Chopra, Manjit Singh, Arpinder Singh, Jinson Jhonson, Swapna Barman, Women's 400m Relay.

Muhammed Anas, Dharun Ayyasamy, Dutee Chand in both 100m & 200m, Hima Das, Sudha Singh, Neena Varakil, Jinson Jhonson, Mixed 400m Relay, Men's 400m Relay

Seema Punia, Chitra Unnikrishnan

Equestrian - 2

-

Fouaad Mirza, Men's Eventing Team

-

Squash - 5 - Women's Team

Saurav Ghosal, Joshana Chinappa, Dipika Pallikal, Men's Team

Bridge - 3 Men's Pair

- Men's Team, Mixed Team

Badminton - 2

- P V Sindhu

Saina Nehwal

Archery – 2

-

Men's Team and Women's Team

Table Tennis- 2

- - Men's Team, Mixed Doubles

Kurash – 2 - Pincky Balhara

Malaprabha Yallappa

Sailing - 3 - 49er FX Women's Team

Harshita Tomar, 49er FX Men's Team

Hockey - 2 - Women's Team

Men's Team

Boxing - 2 Amit Vikas Krishan

Olympics Games

Sports – 13

Gold – 3 Silver – 9

Bronze – 1

Shooting – 4

Manu Bhaker(10m Air Pistol) Saurabh Chaudhary(10m Air Pistol)

Tushar Mane (Boy’s 10m Air Rifle) Mehuli Ghosh (Girl’s 10m Air Rifle)

Judo – 1

Tababi Devi (44 kg)

Weightlifting – 1

Jeremy Lalrinnunga(Boy’s 62 kg)

Badminton – 1

Lakshaya Sen (Bo


ys’ singles)

Wrestling – 1

Simran(Girls’ 10m 43kg freestyle)

Athletics – 2

Suraj Panwar (Boy’s 5000m Walk)

Praveen Chitravel(Boy’s Triple Jump)

Hockey – 2

India’s Men Team

India’s

Women

Team

Archery – 1

Akash Malik (Boy’s recurve)

Indian Premier League

Season 1: Rajasthan Royals Season 2: Deccan Chargers Season 3: Chennai Super Kings Season 4: Chennai Super Kings Season 5: Kolkata Knight Riders Season6: Mumbai Indians Season7: Kolkata Knight Riders Season8: Mumbai Indians. Season9: Sun risers Hyderabad Season10: Mumbai Indians Season11: Chennai Super Kings Season12: Mumbai Indians Pro Kabaddi League

Season 1: Jaipur Pink Panthers Season 2: U Mumba Season 3: Patna Pirates Season 4: Patna Pirates. Season 5: Patna Pirates Season 6: Bengaluru Bulls Indian Super League(ISL)

Season1 (2014): ATLETICO KOLKATA. Season 2 (2015): CHENNAIYIN. Season 3 (2016): ATLETICO KOLKATA. Season 4 (2017): CHENNAIYIN. KERALA BLASTERS have been the Runners –Up twice for the ISL games.

34. List of New Appointments

Person Post

MD Karnam Sekar

MD & CEO of Indian Overseas Bank

Vijay Chandok MD And CEO Of ICICI Securities.

Vipin Anand Managing Director of LIC

David Malpass President of the World Bank.


Kaushik Shaparia CEO For Deutsche Bank (India)

Hemant Bhargava

Non-Executive Chairman of IDBI bank

Hasmukh Adhia Non-executive Chairman of BOB

P V Bharathi CEO Of Corporation Bank.

Ashu Khullar CEO of CITI Bank India.

Rakesh Makhija Non-Executive Chairman of Axis Bank

V Vaidyanathan MD and CEO of IDFC First Bank

Ravneet Gill Brahm Dutt

MD & CEO of YES Bank Non-Executive Part-Time Chairman.

PV Bharathi MD-CEO of Corporation Bank

Raninder Singh Vice-Presidents of the International Shooting Sports Federation (ISSF)

A.S. Rajeev MD & CEO of Bank of Maharashtra

Ajay Narayan Jha Finance Secretary of GoI

Jon Ridgeon CEO of International

Association of Athletics Federations (IAAF)

Bhupesh Baghel CM of Chattisgarh

Ashok Gehlot CM of Rajasthan

Kamal Nath CM of Madhya Pradesh

Zoramthanga CM of Mizoram

Ramphal Pawar Director of National Crime Records Bureau (NCRB)

Brijendra Pal Singh

President of Film and Television Institute of India (FTII) Society

Rajiv Mehrishi Vice-Chair of the United Nation's Panel of Auditors

Shaktikanta Das RBI Governor

Arundhati Bhattacharya

Chairman of SWIFT (Society for Worldwide Interbank Financial Telecommunication)

Krishnamurthy Subramanian

Chief Economic Advisor (CEA)

Madhavi Divan Additional Solicitor General (ASG)

Uday Shankar Vice-President of FICCI

Srinivas Kandula Chairman of Capgemini

Pranab Kumar Das

Chairman of CBIC

Nilanjan Roy CFO of Infosys

Rajeev Mehta President of the South Asian Fencing Federation (SAFF)

Sangeeta Verma Member of Competition Commission of India (CCI)

Ambika Prasad Panda

CMD of South Eastern Coalfields Limited (SECL).

Pranav R Mehta President of Global Solar Council (GSC)

Gita Gopinath Chief Economist at IMF

Kumar Rajesh Chandra

Director General of the Sashastra Seema Bal (SSB).

Vinod Kumar Yadav

Chairman of Railway Board

B Radhakrishnan CJ of Telangana HC

Sudhir Bhargava Chief Information Commissioner in the CIC.

Jaideep Govind Secretary General of NHRC

TCA Anant & Rajiv Nayan Choubey

Member of UPSC

Manu Sawhney CEO of ICC

V Vaidyanathan MD and CEO of IDFC First Bank


Juan Guaido President of Venezuela

Rishi Kumar CBI Director

Parthasarathi Mukherjee

MD of Lakshmi Vilas Bank

Ravneet Gill CEO of Yes bank

35. National Parks & Wildlife Sanctuaries

State National

Park

Wildlife

Sanctuary

Andaman & Nicobar

Campbell National Park

Barren Island Wildlife Sanctuary Sir Hugh Rose Island Wildlife Sanctuary

Andhra Pradesh

Sri Venkates-wara National Park Papikonda National Park

Krishna Wildlife Sanctuary Kolleru Lake

Arunachal Pradesh

Namdapha National Park Mouling National Park

Dibang Wildlife Sanctuary Talley Valley Wildlife Sanctuary

Assam Dibru Saikhowa National Park Kaziranga National Park Manas National Park Orang National Park

Sonai Rupai Wildlife Sanctuary Pabha Wildlife Sanctuary Dipor Bil Wildlife Sanctuary

Bihar Valmiki National Park

Gautam Buddha Wildlife Sanctuary

Rajgir Wildlife Sanctuary

Chhattis-garh

Indravati National Park Guru Ghasidas National Park

Bhairam-garh Wildlife Sanctuary

Goa Bhagwan Mahavir National Park

Bondla Wildlife Sanctuary Salim Ali Bird Sanctuary

Gujarat Gir forest national park Blackbuck National Park Marine National park

Indian Wild Ass Sanctuary Kutch Desert Wildlife Sanctuary

Jammu & Kashmir

Dachigam National Park Hemis National Park

Karakoram Wildlife Sanctuary Hirpora Wildlife Sanctuary

Jharkhand Betla National Park

Palamau Wildlife Sanctuary Dalma Wildlife Sanctuary

Karnataka Anshi National Park Bandipur National Park

Ghatapra-bha Wildlife Sanctuary


Bannerghatta National Park

Bhimgad Wildlife Sanctuary Sharavathi Valley Wildlife Sanctuary

Kerala Periyar National Park Anamudi National Park

Parambi-kulam Wildlife Sanctuary Malabar Wildlife Sanctuary

Madhya Pradesh

Van Vihar National Park Kanha Kisli National Park Fossil National Park Bandhavgarh National Park

Bori Wildlife Sanctuary Ken Gharial Sanctuary Gandhi Sagar Sanctuary

Maharashtra Chandoli National Park Sanjay Gandhi National Park Tadoba National Park Pench National Park

Great Indian Bustard Wildlife Sanctuary Phansad Wildlife Sanctuary Koyna Wildlife Sanctuary

Manipur Keibul Lamjao National Park Balphakram National Park

-

Meghalaya Nokrek National Park

-

Mizoram Phawngpui Blue Mountain National Park

Dampa Tiger Reserve

Nagaland Intanki National Park

-

Odisha Bhitarkanika National Park Simlipal National Park

Chilika Bird Sanctuary

Punjab - Abohar Wildlife Sanctuary Harike Lake Wildlife Sanctuary

Rajasthan Desert National Park Keoladeo National Park Rantham-bore National Park Darrah National Park

Mount Abu Wildlife Sanctuary Sariska Tiger Reserve

Sikkim Kanchend-zonga National Park

Kyongnosla Alpine Wildlife Sanctuary

Tamil Nadu Gulf of Mannar National Park Palani Hills National Park Mudumalai National Park

Point Calimere Wildlife Sanctuary

Telangana Mahavir Harina Vanasthali National Park

Eturnag-aram Wildlife Sanctuary Pranahita Wildlife Sanctuary

Tripura Bison National Park Clouded Leopard National Park

-


Uttarakhand Valley of Flowers National Park Rajaji National Park Nanda Devi National Park Jim Corbett National Park

- Uttar Pradesh

Dudhwa National Park

Kaimur Sanctuary Okhla Bird Sanctuary

West Bengal Neora National Park

Buxa Tiger Reserve Murti Wildlife Sanctuary

36. Important Days

SEPTEMBER

Date Day Theme

1st September

National Nutrition

Week -

5th September

Teachers’ Day

-

8th September

International Literacy Day

Literacy and skills

development.

16th September

World Ozone Day

Keep Cool and Carry on: Montreal Protocol

21st September

Alzheimer’s Day

Science and technology for a sustainable

future

27th September

World Tourism Day

Tourism and the Digital

Transformation

29th September

World Heart Day

-

OCTOBER

Date Day Theme

1st October International

Day for the Elderly

Celebrating Older Human

Rights champions

2ndOctober

Gandhi Jayanthi/

-

International Day of Non-

Violence

5th October

World Teachers'

Day

The right to education means the right to a qualified teacher

9th October

World Post Office Day

-

10th October

World Mental

Health Day

Young people and mental health in a

changing world

11th October

International Day of the Girl Child

With Her: A Skilled Girl

Force

12th October

World Arthritis Day

It's in your hands, take

action

13th October

International Day for Disaster

Reduction

-

15th October

International Day of Rural

Women

Sustainable infrastructure,

services and social

protection for gender

equality and the

empowerment


of rural women and girls

16th October

World Food Day

Our Actions Are Our Future

24th October

World Development Information Day/UN Day

Eliminate Hepatitis

NOVEMBER

Date Day Theme 5th

November World

Tsunami Day -

10th November

World Science Day

for Peace and Development

Science, a Human Right

14th November

Children’s Day/Diabete

s Day

The Family and Diabetes

16th November

International Day for

Tolerance

19th November

World Toilet Day

When nature calls, we need a

toilet 26th

November Constitution

day

37. Joint Military Exercises

Name of Exercise

Countries Place

Cobra Gold Military Exercise

United States, Thailand, Singapore, South Korea, Indonesia, Japan and Malaysia

Thailand

AMAN-19 45 nations Pakistan Aviaindra 2018

India and Russia

Jodhpur, India

SHINYUU Maitri-18

IMBEX 2018-19

India and Myanmar

Haryana, India

INDRA NAVY 2018

Indo-Russia Armed Forces

Visakhapatnam coast, Andhra Pradesh

SHINYUU Maitri-18

India and Japan

Agra, India

Konkan-2018

Indian Navy and the Royal Navy of United Kingdom

Goa, India

Coordinated Patrol (CORPAT)

India and Bangladesh

Chittagong, Bangladesh

Malabar India, US and Japan

Guam, Western Pacific Pacific Ocean.

Harimau Shakti

India and Malaysia

Hulu Langat forest, Malaysia

Varuna India and France

Phase- I: Mormugao Port Trust (MPT),Vasco da Gama, Goa Phase –II: Chennai coast Phase-III: La Reunion Island

Surya Kiran XIII

India and Nepal

Pithoragarh, India

Lamitye VIII India and Seychelles

Mahe, Seychelles

Shakti IV India and France

Mailly – le – Camp. France

Vajra Kayaa India and US

Joint Base Lewis-McChord, United States

Vinbax 1 India and Vietnam

Jabalpur in Madhya Pradesh


Hamesha Vijayee

Southern Command

Rajasthan

Ekuverin VIII

India and Maldives

Belgaum, India

Ajeya Warrior

India and UK

Mahajan Firing Range, India

Danx 50 Parachute Brigade

Andaman & Nicobar Islands, India

Sampriti VII India and Bangladesh

Shillong, India

PRABAL DOSTYK

India And Kazakhstan Army

Himachal Pradesh, India

MITRA SHAKTI

India - Sri Lanka Army

Pune, India

YUDH ABHYAS

United States And Indian Army

Washington, US

Maitree Indian Army and Royal Thailand Army

Himanchal Pradesh, India

Thar Shakti X Corps Rajasthan, India

NOMADIC ELEPHANT

India-Mongolian Military Exercise

Mizoram, India

Bold Kurukshetra

India and Singapore

Madhya Pradesh, India

AL-NAGAH-II

Oman And Indian Army

Himachal Pradesh, India

Khanjar IV India and Kyrgyzstan

Kok Jhangak, Kyrgyzstan

38. Reports & Indices

Report/

Index

Publis-

hed by

HQ Rank

Ease of Doing Business Report

World Bank

Washington DC

77

International Intellectual Property Index

US chamber of Commerce Global innovation Policy Centre

US 44

Global Gender Gap Index

World economic forum

Switzerland

108

Gender Parity Index

UNESCO Paris, France

108

World Happiness Report

United nations sustainable development solution network

133

World Migration Report

International Migration Organisation

Geneva, Switzerland

1

Global Competitiveness Index

World Economic Forum

58

Environmental Performance Index


Switzerland

177

Global Hunger Index

International Food

Washington

103(2017)


Policy Research

Inclusive Internet Index

Econo-mist Intellig-ence Unit

- 47

World Press Freedom Index

Reporters without Border

France 138

Foreign Direct Investment Confidence Index 2018

AT Kearney

11

World Competitiveness Ranking 2018

International Institute for Management Development

Lausanne, Switzerland

45

Global Peace Index 2018

Institute for Economics & Peace

136

Energy Transition Index


Cologny, Switzerland

78

39. Classical Folk Dances

Classical Dance

Dance State

Bharatanatyam Tamil Nadu

Manipuri Manipur

Odissi Odisha

Kuchipudi Andhra Pradesh

Kathakali Kerala

Kathak Uttar Pradesh

Sattriya Assam

Mohiniyattam Kerala

Folk Dance

Dance State

Rasleela Uttar Pradesh

Bihu Assam

Fugdi Goa

Garba, Dandiya Raas Gujarat

Raut Nacha Chhattisgarh

Maach Madhya Pradesh

Thang Ta Manipur

Dumhal, Rauf Jammu and kashmir

Nati Himachal pradesh

Giddha, Bhangra Punjab

Ghumura Odisha

Lavni Maharashtra

Ghoomar, Kalbelia Rajasthan

Puli Kali Kerala


Chhau West Bengal

40. Stock Exchanges Around the World

Stock Exchange Country

Located

Bombay Stock Exchange India

National Stock Exchange of India

India

Euronext European

Union

B3 Brazil

Shanghai Stock Exchange China

Hong Kong Stock Exchange Hong Kong

NASDAQ USA

Tokyo Stock Exchange Japan

London Stock Exchange UK

Bombay Stock Exchange has become the

India’s first exchange to be designated as a Designated Offshore Security Market by US

security and exchange Commission.

41. Nick Names of Cities

Nicknames Cities

City of Pearls Hyderabad Silicon Valley of India Bengaluru

Venice of East Alappuzha Mini Bombay Indore

Manchester of East Kanpur Athens of East Madurai

Blue City Jodhpur Orange city Nagpur Cotton City Akola

Land of Litchi Muzaffarpur Queen of Arabian Sea Kochi

City of Black Diamonds Dhanbad Sandalwood City Mysore

42. International Organisations & Headquarters

International

Organization

Headed by HQs

United Nations Organisation

Antonio Guterres, Sec-General

New York, U.S

International Monetary Fund

Christine Lagarde, MD

Washington D. C, Columbia

World Bank Jim Yong Kim, President

Washington D. C, Columbia

World Trade Organisation

Roberto Azevedo, Director-General

Geneva, Switzerland

UNESCO Audrey Azoulay, Director-General

Paris, France

New Development Bank, BRICS

K. V. Kamath, President

Shanghai, China

Asian Infrastructure Investment Bank

Jin Liqun, President

Beijing, China


International Court of Justice

Abdulqawi Ahmed Yusuf, President

Peace Palace,Netherlands

UN General Assembly

Miroslav Lajcak, President

New York, U.S

Asian Development Bank

Takehiko Nakao, President

Mandaluyong, Philippines

World Health Organistaion

Tedros Adhanom Ghebreyesus, Director-General

Geneva, Switzerland

International Olympic Committee

Thomas Bach, President

Lausanne, Switzerland

International Atomic Energy Agency

Yukiya Amano, Director-General

Vienna, Austria

North Atlantic Treaty Organization,NATO

Jens Stoltenberg, Sec-General

Brussels, Belgium

ASEAN Lim Jock Hoi, Sec-General

Jakarta, Indonesia

SAARC Amjad Hussain B Sial, Sec-General

Kathmandu

43. Famous Temples

Temple Year Place Built By

Virupaksha Temple

7th Century

Hampi, Karnataka

Queen Lokhama- hadevi

Meenakshi Temple

1623- 1655 CE

Madurai Tamil Nadu

Vishwanantha Nayakar

Ramanatha swamy Temple

7th– 8th century

Rameshwaram Island, Tamil Nadu

Pandya & Jaffna Kings

Suchindram Temple

17th century

Kanyakumari, Tamil Nadu

Nambudiri Brahmins

Vitthala Temple

15th century

Hampi, Karnataka

King Devaraya II

Brihadeshwara Temple

11th century

Thanjavur, Tamilnandu

Raja Raja Chola I

Airavateswara Temple

12th century

Darasuram

Rajaraja Chola II

Venkateswara Temple

300 AD

Tirumala, Andhra Pradesh

King Thondaiman

Kashi 1780 Varanasi, Ahilya Bai

Vishwanath

Uttar Pradesh

Lord Jagannath Temple

1611 Puri, Odisha

Indrady- umna

Vaishno Devi Temple

– Jammu –

Somnath – Gujarat Moon God

Shirdi Sai Baba Temple

1922 Shirdi, Maharashtra

–

Badrinath 9th century C.E

Uttarakhand

Adi Shankara

Kedarnath 8th century

Garhwal area Uttarakhand

Pandavas

Konark Sun Temple

13th century

Odisha Narasimha deva

Sanchi Stupa

3rd century BC

Raisen, Madhya Pradesh

Asoka

Siddhivinayak Temple

18th century

Prabha Devi, Mumbai

–


The Golden Temple

1577 Amritsar, Punjab

Guru Ram Das

Mahabodhi Temple

3rd century B.C

Bihar Ashoka

Kamakhya Temple

8th-17th century

Nilachal Hill, Guwahati

–

Amarnath Cave Temple

– Jammu and Kashmir

Natural formation

Yamunotri Temple

19th century

Uttarkashi, Uttarakhand

Maharani Gularia

Gangotri Temple

18th century

Uttarkashi, Uttarakhand

Amar Singh Thapa

44. Stadiums in India

Name City/Location

Baichung Stadium Namchi Bakshi Stadium Srinagar Barabati Cuttack Barkatullah Khan Jodhpur Barkatullah University Stadium

Bhopal

Biju Patnaik Hockey Stadium

Rourkela

Birsa Munda Athletics Ranchi Brabourne Mumbai Buddh International Circuit Greater Noida Cooperage Football Stadium Mumbai Dhyan Chand National Delhi Dy Patil Navi Mumbai Eden Gardens Kolkata East Coast Railway Stadium Bhubaneswar Feroz Shah Kotla Delhi Green Park Stadium Kanpur Guru Gobind Singh Stadium Nanded

Guru Nanak Stadium Ludhiana JSCA International Cricket Stadium

Ranchi

Kanchenjunga Stadium Siliguri Lal Bahadur Shastri Hyderabad M. Chinnaswamy Bangaluru Ma Chidambaram Chennai New Bangalore Football Stadium

Bangalore

Punjab Cricket Association IS Bindra Stadium

Mohali

Salt Lake Stadium Kolkata Sardar Vallabhbhai Patel Stadium

Ahmedabad

Sawai Mansingh Jaipur Sector 42 Stadium Chandigarh Sher-i-Kashmir Stadium Srinagar Vidarbha Cricket Association Stadium

Nagpur

Wankhede Mumbai

45. Boundary Lines

• Radcliffe Line - This is the boundary line

between India and Pakistan. It was drawn by Sir Cyril Radcliffe on 17th

August 1947 because of the separation

between the two countries.

• Durand Line - This demarcates the

boundary of Pakistan and Afghanistan.

• Hindenburg Line - This is the boundary

dividing Poland and Germany.

• McMahon Line - It is the boundary line

between India and China and it was

drawn by Sir Henry McMahon.

• Marginal Line - This line was drawn up

by General Mannerheim between


Russia-Finland border. It is a 320-km

line of fortification.

• Maginot Boundary Line - This boundary

line demarcates France and Germany

• Oder-Neisse Line - This line was drawn

between Poland and Germany after the

Second World War

• 38th Parallel - It is the boundary

between North and South Korea.

• 49th Parallel - This represents the

boundary between Canada and USA.

• Mannerheim Line - This line demarcates

Russia and Finland.

• Mason-Dixon Line - It is a line of

demarcation between four states in the

United State.

• Siegfried Line - It is the boundary

between Germany and France.

• 24th Parallel - Pakistan feels that this

should be the actual line between India

and Pakistan. However, India does not approve of this.

• 17th Parallel - It defined the boundaries

between North and South Vietnam

before they unit

46. Books & Authors

Authors Books

Mool Chand Sharma Law, Justice & Judicial Power

Malala Yousafzai We are Displaced

Brigadier (Retd) Sukhjit Singh and Cynthia Meera Frederick.

Prince, Patron, and Patriarch - Maharaja Jagatjit Singh of Kapurthala

Arvind Subramanian Of Counsel: The Challenges of the Modi-Jaitley Economy

Vice Admiral Anup Singh

Blue Waters Ahoy!

Dr Rajesh Bhat Radio Kashmir – In Times of Peace & War

Krishna Trilok 'Notes of a Dream: The Authorized Biography of AR Rahman',

Karunya Keshav and Sidhanta Pathak

'The Fire Burns Blue: A History of Women's

Cricket in India'

Stephen Hawking "Brief Answers to the Big Questions"

Vijayan Bala Indian Sports: Conversations and Reflections

Rima Hooja "Maharana Pratap: The Invincible Warrior"

Paramveer Parwane Prabhakiran Jain

Across the bench - Insight into Indian Military Judicial System Gyan Bhushan Imperfect Sanjay

Manjrekar Bollywood: "The Films", "The Songs", "The Stars"

Amitabh Bacchhan

The Diary of a Domestic Diva Shilpa Shetty I Do What I Do Raghuram

Rajan Immortal India Amish Tripathi


How India Sees the World Shyam Saran The Shershah of Kargil Deepak Surana Kadwe Vachan Tarun Sagar

Maharaj I am HIV Positive. So What? Jayanta Lalita Cyptocurrency for Beginners

Amit Bharadwaj

Making of a Legend Bindeshwr Pathak

Unstoppable: My Life So Far

Maria Sharapova

Dalhousie Through my Eyes Kiran Chadha Playing With Fire Katie Price The Ministry Of Utmost Happiness Arundhati Roy Crisis Within Ganesh Devy Indira Gandhi - A life In Nature Jairam Ramesh Beren and Luthein J.R.R Tolkein "Yug Purus, Bharat Ratna, Atal Ji"

Ramesh Pokhriyal

One Life is not enough Natwar Singh Transcendence: My Spiritual Experiences with Pramukh Swamij

APJ Abdul Kalam & Arun Tiwari

Red Tape to Red Carpet…and then some Gina Rinehart

Beyond Doubt: A Dossier on Gandhi's Assassination

Teesta Setalvad

Sleeping on Jupiter Anuradha Roy Flood Of Fire Amitav Ghosh How to be Both Ali Smith Sourav Ganguly: Cricket, Captaincy and Controversy

Saptarshi Sarkar

The Red Sari Javier Moro Farishta Kapil Isapuri Modi - Incredible emergence of a star Tarun Vijay Radio Kashmir – In Times of Peace & War

Dr Rajesh Bhat

'Notes of a Dream: The Authorized Biography of AR Rahman',

Krishna Trilok

'The Fire Burns Blue: A History of Women's Cricket in India'

Karunya Keshav and Sidhanta Pathak

"Brief Answers to the Big Questions"

Stephen Hawking

Indian Sports: Conversations and Reflections

Vijayan Bala

"Maharana Pratap: The Invincible Warrior"

Rima Hooja

47. Nobel Prize Winners 2018

Field Winners Description

Medicine or Physiology

James P. Allison & Tasuku Honjo

For the discovery of cancer therapy by inhibition of negative immune regulation

Physics Arthur Ashkin

For the optical tweezers and their application to biological systems

Gerard Mourou & Donna Strickland

For their method of generating high-intensity, ultra-short optical pulses

Chemistry Frances H. Arnold

For the directed evolution of enzymes

George P. Smith & Gregory P. Winter

For the phage display of peptides and antibodies


Peace Denis Mukwege & Nadia Murad

For their efforts to end the use of sexual violence as a weapon of war and armed conflict

Economic Sciences

Paul M. Romer

For integrating technological innovations

into the long-run macroeconomic analysis

William D. Nordhaus

For integrating climate change into the long-run macroeconomic analysis

48. UNESCO World Heritage Site

Name of sites Year Location

Ajanta Caves 1983 Maharashtra

Ellora Caves 1983 Maharashtra

Agra Fort 1983 Uttar Pradesh

Taj Mahal 1983 Uttar Pradesh

Sun Temple 1984 Orissa

Mahabalipuram Monuments

1984 Tamil Nadu

Kaziranga National Park

1985 Assam

Keoladeo National Park

1985 Rajasthan

Manas Wildlife Sanctuary

1985 Assam

Churches and Convents of Goa

1986 Goa

Monuments of Khajuraho

1986 Madhya Pradesh

Monuments of Hampi

1986 Karnataka

Fatehpur Sikri 1986 Uttar Pradesh

Elephanta Caves 1987 Maharashtra

Great Living Chola Temples

1987 Tamil Nadu

Pattadakal Monuments

1987 Karnataka

Sundarbans National Park

1987 West Bengal

Nanda Devi & Valley of Flowers National Park

1988 Uttarakhand


Monuments of Buddha

1989 Sanchi, Madhya Pradesh

Humayun’s Tomb 1993 Delhi

Qutub Minar 1993 Delhi

Mountain Railways of Darjeeling, Kalka Shimla & Nilgiri

1999 Darjeeling (West Bengal), Kalka Shimla (Himachal Pradesh), Nilgiri (Tamil Nadu)

Mahabodhi Temple 2002 Bihar

Bhimbetka Rock Shelters

2003 Madhya Pradesh

Chhatrapati Shivaji Terminus

2004 Maharashtra

Champaner- Pavagadh Archaeological Park

2004 Gujarat

Red Fort 2007 Delhi

Jantar Mantar 2010 Rajasthan

Western Ghats 2012 Karnataka, Kerala, Tamil Nadu, Maharashtra

Hill Forts 2013 Rajasthan

Rani Ki Vav (The Queen’s Stepwell)

2014 Gujarat

Great Himalayan National Park

2014 Himachal Pradesh

Nalanda 2016 Bihar

Khangchendzonga National Park

2016 Sikkim

Architectural Work of Le Corbusier

2016 Chandigarh

Historic City 2017 Ahmedabad

Victorian Gothic and Art Deco Ensembles

2018 Mumbai

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