GK POWERCAP SULE FOR NICL AO & ASSISTANT EXAM 2015

This GK Capsule has been prepared by Career Power Institute Delhi (Formerly Known as Bank Power). This document consists of all important news and events of last few months which can come in IBPS CLERK Exam.

Current RBI Policy & Reserve Rates:

Repo Rate 7.5 % (Unchanged) Reverse Repo 6.5 % (Unchanged) CRR 4% (Unchanged) SLR 21.5 % (Unchanged) MSF 8.5 % (Unchanged) Bank Rate 8.5 % (Unchanged)

Note : On 3, Feb, 2015 , RBI (Reserve Bank of India) in its fourth bimonthly monetary policy statement kept the key policy rate unchanged .

News related to RBI 1. RBI extends range of collateral for interbank transactions i. The Reserve Ba nk of India extended the range of collateral that can be used for repo transactions on the country's interbank market to include bonds issued by multilateral financial institutions such as the World Bank and Asian Development Bank. ii. Currently, such coll ateral is limited to commercial papers, certificate of deposits, non -convertible debentures, and listed corporate debt securities of more than one year maturity and rated AA or above. iii. The move will help develop the corporate debt market. 2. RBI released Rs 42,000 crore to fund FY16 growth i. Banks will have headroom to lend an additional Rs 42,000 crore because of Reserve Bank of India's move to bring down by 50 basis points the statutory liquidity ratio — the portion of deposits that banks must invest in government bonds. ii. Rajan left the repo rate — the rate at which it lends overnight funds to banks — unchanged at 7.75%. RBI also retained the cash reserve ratio — the portion of deposits that banks have to maintain with RBI — at 4%. iii. The central b ank expects that economy growth will pick up to 6.5% in FY16 which will result in an increased demand for funds in the banking sector. The cut in SLR is expected to help banks prepare their cash reserves to fund this growth. 3. RBI directs banks to display all loan costs i. Reserve Bank of India (RBI) made it compulsory for banks to set out every possible cost in respect of the loan in a fact sheet at the processing stage. ii. Banks will also have to publish the 'annual percentage rate' representing the total cost of credit to an individual borrower. 4. Uniformity, innovation coming to credit data i. In its bid to better the credit information landscape, the Reserve Bank of India (RBI) has directed all credit institution s to become members of credit information companies (CICs). ii. Currently, there are four such companies in India —Credit Information Bureau (India) Ltd (Cibil), Equifax Credit Information Services Pvt. Ltd, Experian Credit Information Co. of India Pvt. Ltd and CRIF High Mark Credit Information Services Pvt. Ltd. iii. According to the RBI’s report on furnishing credit information, India is ranked 28 in “getting credit” and the coverage of CICs accounts for only 19.8% of adult population, as against 100% in several countries. 5. RBI signs an information sharing agreement with Brazil’s Central Bank i. This MoU was signed by Anthero de Moraes Meirelles, Deputy Governor for Supervision, BCB and S.S. Mundra, Deputy Governor, Reserve Bank of India. ii. In this regard, RBI in total has signed 23 such MoUs, one Letter for Supervisory Co-operation and one Statement of Co - operation (SoC), with different Central Banks of other countries and overseas regulators/supervisors.

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6. RBI, Sri Lankan central bank agrees on $1.5 billion currency swap deal. 7. RBI Relaxes Overseas Loan Recast Rules i. The Reserve Bank of India (RBI) relaxed rules for companies and banks to restructure and reschedule existing overseas borrowings by permitting an increase in the total cost of borrowing offshore. ii. Indian firms have found it difficult to restructure existing borrowings after facing a sharp slowdown in the economy. iii. The banking regulator also allowed changes in the drawdown and repayment schedules of such overseas borrowings. 8. RBI cuts repo rate by 25 basis points to 7.5 per cent i. The Reserve Bank of India (RBI) has cut down repo rate by 25 basis points to 7.5 percent from 7.75 percent, with immediate effect citing that the fiscal consolidation was better than what numbers show and that the combined fiscal deficit is much lower due to the government transferring more funds to the states. ii. However, RBI has kept the cash reserve ratio (CRR) unchanged at 4 percent. iii. It is the second change in rates by 25 basis points since January 2015. With this change, RBI is signaling that it was convinced by the fiscal consolidation measures announced in the Budget. iv. This is the first time that the Reserve Bank of India has announced a monetary policy action ahead of markets opening. 9. RBI adopted Inflation Targeting as a policy tool for monetary regulation i. Inflation targeting was in news recently as Union Government and Reserve Bank of India (RBI) on 20 February 2015 signed an agreement on Monetary Policy Framework. As per the agreement, RBI accepted to focus on flexible inflation targeting. ii. Inflation targeting is defined as an economic policy in which a central bank estimates or decides for a medium-term target inflation rate. In Indian context, as per the agreement, inflation targeting means that the RBI will have to maintain iii. Consumer Price Index (CPI)-based inflation targets below six per cent by January 2016 and four per cent from 2016-17, with a band of plus/minus two per cent. iv. The transition from monetary targeting suggested by Chakravarty Committee (1988) to Inflation targeting suggested by Urijit Patel Committee is similar to the practice adopted by central banks in developed countries. What are the Benefits of Inflation Targeting ? i. The benefits of inflation targeting are many. Two of the prominent benefits of inflation targeting are enhancement of transparency and reduction of price variability. ii. The most important benefit of inflation targeting is that it helps the central banks to maintain low inflation and low inflation eventually promotes long term growth. iii. Other most important benefits of using inflation targeting include enhanced public understanding of monetary policy, increased central bank accountability, and an improved state for economic growth. 10. RBI eases norms for home loans for up to Rs 10 lakh i. Giving a boost to affordable housing, the RBI eased the norms for home loans for up to Rs 10 lakh by allowing banks to include stamp duty and registration charges to the cost of a unit. ii. These charges used to form around 15 per cent of the cost of the house and place a burden on borrowers. iii. As per the current practice, banks do not include stamp duty, registration and other documentation charges in the cost of housing property. iv. The RBI declared that in cases of projects sponsored by government, statutory authorities, banks may disburse the loans as per the payment stages prescribed by such authorities, even where payments sought from house buyers are not linked to the stages of construction.

‹ Banking topics in news –

V NPA’s (Non Performing Assets): i. A mortgage in default would be considered non-performing, after a prolonged period of non-payment(90 days).

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ii. The lender will force the borrower to liquidate any assets that were pledged as part of the debt agreement. If no assets were pledged, the lenders might write-off the asset as a bad debt and then sell it at a discount to a collections agency. • Debt recovery tribunal (DRT- A court for such cases) – A person whose account is declared as NPA • SARFAESI ACT - In 2002 , Govt. gave bank’s a lifeline called as SARFAESI Act (Securitization and Reconstruction of Financial Assets and Enforcement of security interest Act) i. With this Act bank has the power to take possession of the owner’s mortgaged property or can transfer this to some other ownership. • What bank will do with the acquired property? i. Bank can use this for their own purpose like , opening a new branch on it, installing of ATM’s etc. ii. Bank can advertise in newspapers for the auction of the property acquired and could auction them on any pre decided day. iii. Bank can sell the property to ARC (Asset Reconstruction Company), these are registered companies under RBI, they buy such assets from banks and sell them at higher prices to gain profits.

V Goods and Services Tax - i. It is an indirect tax that will lead to the abolition of all other taxes such as, central sales tax, state-level sales tax, excise duty, service tax, and value-added tax (VAT). Both the state and the central governments will impose GST on almost all goods and services produced in India or imported into the country. ii. Exports will not be subject to GST. Direct taxes, such as income tax, corporate tax and capital gains tax will not be affected. It will simplify India's tax structure, broaden the tax base, and create a common market across states. This will lead to increased compliance and increase India's tax-to-gross domestic product ratio. iii. The highest rate of taxation under GST will be around 15 per cent in the first year, and eventually come down to 12 per cent in the second year. By comparison, the current rate of the various indirect taxes levied in India amounts to roughly 20 per cent. Goods deemed necessary or of basic importance will be taxed at a lower rate. iv. The GST can be implemented only through a Constitutional Amendment Bill, which means it needs to be approved by not less than two-thirds of the members present and voting in each House of Parliament. The GST must also be ratified by the legislatures of at least one-half of the states. v. States will get one-year time to implement the provisions of Goods and Services Tax (GST) after introduction of the new indirect tax regime from 1st April 2016.

Deposit insurance and credit guarantee corporation (DICGC)

All commercial banks including branches of foreign banks functioning in India, local area banks and regional rural banks are insured by the DICGC. Note : Primary cooperative societies are not insured by the DICGC.

DICGC insure: DICGC protects bank deposits that are payable in India. The DICGC insures all deposits such as savings, fixed, current, recurring, etc. except the following types of deposits. (i) Deposits of foreign Governments; (ii) Deposits of Central/State Governments; (iii)Inter-bank deposits; (iv) Deposits of the State Land Development Banks with the State co-operative bank; (v) Any amount due on account of any deposit received outside India (vi) Any amount, which has been specifically exempted by the corporation with the previous approval of Reserve Bank of India.

Maximum deposit amount insured by the DICGC - Each depositor in a bank is insured upto a maximum of Rs.1,00,000 (Rupees One Lakh).

Credit Information Bureau (India) Limited: is India’s first Credit Information Company (CIC) founded in August 2000. CIBIL collects and maintains records of an individual’s payments pertaining to loans and credit cards. Headquarter – Mumbai

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Important Banking Terminology:

1. Basis points: It is the increase in interest rates in percentage terms. For instance, if the interest rate increases by 50 basis points (bsp), then it means that interest rate has been increase by 0.50%. One percentage point is broken down into 100 basis points. Therefore, an increase from 2% to 3% is an increase of one percentage point or 100 basis points. 2. Bank Rate: Bank Rate is the rate at which central bank of the country (in India it is RBI) allows finance to commercial banks. Bank Rate is a tool, which central bank uses for short-term purposes. Any upward revision in Bank Rate by central bank is an indication that banks should also increase deposit rates as well as Base Rate / Benchmark Prime Lending Rate. Thus any revision in the Bank rate indicates that it is likely that interest rates on your deposits are likely to either go up or go down, and it can also indicate an increase or decrease in your EMI. 3. Liquidity adjustment facility (LAF) is a monetary policy tool which allows banks to borrow money through repurchase agreements. LAF is used to aid banks in adjusting the day to day mismatches in liquidity. LAF consists of repo and reverse repo operations. 4. Repo Rate: Whenever the banks have any shortage of funds they can borrow it form RBI. Repo rate is the rate at which commercial banks borrows rupees from RBI. A reduction in the repo rate will help banks to get money at cheaper rate. When the repo rate increases borrowing form RBI becomes more expensive. 5. Reverse Repo Rate: Reverse Repo rate is the rate at which RBI borrows money from commercial banks. Banks are always happy to lend money to RBI since their money is in the safe hands with a good interest. An increase in reverse repo rate can cause the banks to transfer more funds to RBI due to this attractive interest rates. One factor which encourages an organisation to enter into reverse repo is that it earns some extra income on its otherwise idle cash. 6. CRR (Cash Reverse Ratio): CRR is the amount of funds that the banks have to keep with RBI. If RBI increases CRR, the available amount with the banks comes down. RBI is using this method (increase of CRR), to drain out the excessive money from the banks. 7. SLR (Statutory Liquidity Ratio): SLR is the amount a commercial banks needs to maintain in the form of cash, or gold, or govt. approved securities (Bonds) before providing credit to its customers. SLR rate is determined and maintained by RBI in order to control the expansion of the bank credit. Need of SLR: With the SLR, the RBI can ensure the solvency of a commercial banks. It is also helpful to control the expansion of the Bank credits. By changing SLR rates, RBI can increase or decrease bank credit expansion. Also through SLR, RBI compels the commercial banks to invest in the government securities like govt. bonds. Main use of SLR: SLR is used to control inflation and propel growth. Through SLR rate the money supply in the system can be controlled effectively. 8. Marginal Standing Facility (MSF): MSF rate is the rate at which banks borrow funds overnight from the Reserve Bank of India ( RBI ) against approved government securities. 9. NEFT (National Electronic Fund Transfer): NEFT enables funds transfer from one bank to another but works a bit differently than RTGS. NEFT is slower than RTGS. The transfer is not direct and RBI acts as the service provider to transfer the money from one account to another. You can transfer any amount through NEFT, even a rupee. Note: Rs 50,000 is a limit in a NEFT to NEPAL in a single day. 10. RTGS (Real time gross settlement ): RTGS system is funds transfer systems where transfer of money or securities takes place from one bank to another on a "real time" and on "gross" basis. Settlement in "real time" means payment transaction is not subjected to any waiting period. The transactions are settled as soon as they are processed. Minimum & Maximum Limit of RTGS: 2 lakh and no upper limit. 11. Fiscal Deficit: A deficit in the government budget of a country and represents the excess of expenditure over income. So this is the amount of borrowed funds require by the government to meet its expenditures completely. 12. Direct Tax: A direct tax is that which is paid directly by someone to taxing authority. Income tax and property tax are an examples of direct tax. They are not shifted to somebody else. 13. Indirect Tax: This type of tax is not paid by someone to the authorities and it is actually passed on to the other in the form of increased cost. They are levied on goods and services produced or purchased. Excise Tax, Sales Tax, Vat, Entertainment tax are indirect taxes. 14. Foreign Exchange Market : Foreign exchange market is the place where the financial institutions of different countries come and exchange the currencies in a defined manner and set rates. In forex market the deals of currencies are done and in turn it defines the value of one currency in comparison to the other. A foreign investor (FII or FDI) is a major source of foreign currency in India. 15. NOSTRO Account: A Nostro account is maintained by an Indian Bank in the foreign countries. 16. VOSTRO Account: A Vostro account is maintained by a foreign bank in India with their corresponding bank. 17. SDR (Special Drawing Rights): SDR are new form of www.bankersadda.com | www.careerpower.in | www.careeradda.co.in 4

International reserve assets, created by the International Monetary Fund in 1967. The value of SDR is based on the portfolio of widely used countries and they are maintained as accounting entries and not as hard currency or physical assets like Gold. 18. BOND : Publicly traded ling term debt securities issued by corporations and governments, whereby the issuer agrees to pay a fixed amount of interest over a specified period of time and to repay a fixed amount of principal maturity. 19. CRAR(Capital to Risk Weighted Assets Ratio): Capital to risk weighted assets ratio is arrived at by dividing the capital of the bank with aggregated risk weighted assets for credit risk, market risk and operational risk. 20. Non Performing Assets (NPA): An asset (loan), including a leased asset, becomes non performing when it stops generatig income for the bank. Note : Once the borrower has failed to make interest or principle payments for 90 days the loan is considered to be a non-performing asset. 21. Inflation: inflation is a rise in the general level of prices of goods and services in an economy over a period of time. When the general price level rises, each unit of currency buys fewer goods and services. Consequently, inflation reflects a reduction in the purchasing power per unit of money – a loss of real value in the medium of exchange and unit of account within the economy. 22. GDP - An estimated value of the total worth of a country’s production and services, within its boundary, by its nationals and foreigners, calculated over the course on one year. Note : GDP = consumption + investment + (government spending) + (exports − imports). Total value of products & Services produced within the territorial boundary of a country. 23. GNP - An estimated value of the total worth of production and services, by citizens of a country, on its land or on foreign land, calculated over the course on one year. Note: GNP = GDP + NR (Net income inflow from assets abroad or Net Income Receipts) - NP (Net payment outflow to foreign assets). Total value of Goods and Services produced by all nationals of a country (whether within or outside the country).

Credit Rating Agency in India & World

Indian credit rating industry mainly comprises of CRISIL , ICRA , CARE, ONICRA, FITCH (India Ratings & Research) & SMERA. V CRISIL - Credit Rating Information Services of India Limited, Headquarter – Mumbai V ICRA - Investment information and credit rating agency Headquarter - Gurgaon, India V CARE - Credit Analysis and Research Headquarters – Mumbai V ONICRA - Headquarter - Gurgaon, India V SMERA - Headquarters – Mumbai V Fitch (India Ratings & Research) - Headquarters – Mumbai V Note: CRISIL is the largest credit rating agency in India, with a market share of greater than 60% V Standard & Poor's (S&P) – Headquarter – New York, US V Moody's – Headquarter - New York, US V Fitch - Headquarter - New York, US Regulators in India: Regulator Sectors Chairman Headquarter Reserve Bank of India Financial system and monetary policy, Raghuram Mumbai (RBI) Money Market Rajan Securities and Exchange Secur ity & Capital Market, stock broking & U.K. Sinha Mumbai Board of India (SEBI) Merchant Banking, Nidhis, Chit Fund Companies Insurance Regulatory and Insurance industry T. S. Vijayan Hyderabad Development Authority (IRDA) Telecom Regulatory Telecomm unication Industry Rahul Khullar New Delhi Authority of India (TRAI) Forward Markets Commodity Market Ramesh Mumbai Commission Abhishek Pension Fund Regulatory Pension sector Hemant New Delhi and Development Contractor Authority (PFRDA)

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FDI Limits in different sectors

List o f Limits in Various Sectors (In %) 1. Defence 49 2. Pension 49 3. Insurance 49 4. Print Media 26 5. Civil Aviation 49 6. Public Sec. Banks 20 7. Private Sec. Banks 74 8. Multi Brand 51 9. Single Brand 100 10. Tourism 100

India’s GDP Forecast:

‹ The Asian Development Bank projected India's growth rate to surpass China and improve to 7.8 per cent in next fiscal and further to 8.2 per cent in 2016-17. ‹ India pegs 2014-15 GDP growth at 7.4 per cent ‹ India’s growth to reach 6.3 per cent in 2016:United Nations World Economic Situation and Prospects (WESP) ‹ International Monetary Fund (IMF) projected that India will grow 6.5 per cent in 2016, overtaking China which, it projected, will slowdown to 6.3 per cent. ‹ Fitch expects real GDP growth to pick up to 8 per cent in FY16 and 8.3 per cent in FY17 ‹ Standard and Poor rating – BBB + to India ‹ FITCH has a 'BBB-'rating for the country with a stable outlook, ‹ Moody's gave India 'Baa3' ‹ RBI pegged 2015-16 GDP growth at a central estimate of 6.2 %. ‹ IMF projected GDP growth for India in 2014-15 at - 5.6 % & 6.4 % in 2015

India ranking in different Indexes: 1. Swiss leaks: India ranks 16th on leaked HSBC list 2. India has emerged as the second-most trusted country in the world in terms of faith reposed on its institutions. The list is topped by UAE with 84 per cent trust. 3. Transparency International India (TII) – Corruption Index – India ranked 85th among 175(Denmark topped) 4. World Bank - Ease of Doing Business" report - India ranked 142 among the 189 countries (Singapore top) 5. World Economic Forum's 2015 Gender gap index – 114 (Iceland top the list followed by Finland & Norway) 6. Global Hunger Index Report 2014: 55 (Mauritius top followed by Thailand and Albania) 7. Human Development Index 2014 – 135 (Norway top followed by Australia). 8. Intellectual property (IP) environment 2015 – 29 (US ranked on the top, Thiland last ) 9. World Press Freedom Index 2015 - 136 in the list of 180 countries 10. World's best countries for doing business 2014 – 134 11. Global Peace Index 2014 – 143 (Iceland top the list while Syria the most violent place) 12. Global Innovation Index 2014 - 76 13. Global Competitiveness Index 2014 -71 (Switzerland is the most competitive economy, followed by Singapore).

Index/Reports Issued by different organizations in World: 1. World Economic Outlook is published by: International Monetary Fund (IMF). 2. Global Hunger Index is issued by: International Food Policy Research Institute 3. Global Peace Index is issued by: Institute for Economics and Peace 4. Global Corruption Index is issued by: Transparency International 5. Global Competitiveness Index is issued by: World Economic Forum 6. Human Development Report is issued by: United Nations Development Programme (UNDP) 7. Gender Inequality Index is issued by: United Nations Development Programme (UNDP)

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Kisan Vikas Patra (KVP) 1. Key point - money to double in 100 months. The KVP, relaunched by Finance Minister Arun Jaitley, will be available in the denomination of Rs 1,000; 5,000; 10,000 and 50,000. There will be no upper ceiling on investment. Earlier, it was launched by the Government on April 1, 1988. Key Points of KVP: i. No PAN requirement for investment in Kisan Vikas Patra ii. There will also not be any upper limit on investment. iii . It will be available to the investors in the denomination of Rs. 1000, Rs. 5,000, Rs. 10,000 and Rs. 50,000, with no upper ceiling on investment. iv. The certificates can be issued in single or joint names and can be transferred from one person to any other person persons, multiple times. v. The facility of transfer from one post office to another anywhere in India and of nomination will be available. vi. With a maturity period of 8 years 4 months (100 months) , the collections under the scheme will be available with the Government for a fairly long period to be utilized in financing developmental plans of the Centre and State Governments and will also help in enhancing domestic household financial savings.

Jan Dhan Yojana 2. Aim - scheme to promote financial inclusion: Prime Minister Narendra Modi launched 'Pradhan Mantri Jan Dhan Yojana' to help the poor open bank accounts. The slogan for the Pradhan Mantri Jan Dhan mission is “Mera Khata – Bhagya Vidhaata”. Benefits : i. Every individual who opens a bank account will become eligible to receive an accident insurance cover of up-to Rs. 1 Lakh. ii . HDFC Ergo General Insurance will provide the accident cover under the scheme. iii. An additional Rs. 30,000 life insurance cover will be provided for those opening bank accounts before January 26, 2015. iv. LIC (Life Insurance Corporation) will provide the life insurance cover of Rs 30,000 under the scheme v. Rs 5,000 overdraft facility for Aadhar-linked accounts, Ru Pay Debit Card with and minimum monthly remuneration of Rs 5,000 to business correspondents who will provide the last link between the account holders and the bank. Capital Infusion in Banks – 3. Govt announces capital infusion of Rs6,990 crore i. The government announced a capital infusion of Rs.6990 crore in nine state run banks, including State Bank of India (SBI) and Punjab National Bank (PNB), but based on new efficiency parameters such as return on assets and return on equity. ii. The government had budgeted to infuse more than Rs.11,000 crore as capital in the current financial year. iii. While State Bank of India will get Rs.2,970 crore as capital in the current fiscal, Bank of Baroda will get Rs.1,260 crore, Punjab National Bank Rs.870 crore, Canara Bank Rs.570 crore, Syndicate Bank Rs.460 crore, Allahabad Bank Rs.320 crore, Indian Bank Rs.280 crore, Dena Bank Rs.140 crore and Andhra Bank Rs.120 crore. 4. MahaMobile app launched by Bank for Maharashtra i. The customers using debit card of the bank and having their mobile number registered with the bank can easily avail this facility without the need of visiting the bank branch. 5. HDFC Bank raises close to Rs 10,000 crore - HDFC Bank raised Rs 9,880 crore in the largest share sale in the secondary market by a private entity to overseas and domestic investors through a mix of qualified institutional placement and American depository shares. 6. Reliance teams up with State Bank of India for payments bank i. RIL and SBI put in a joint application to the Reserve Bank of India (RBI) to set up a payment bank that can offer services such as remittances and deposits but not loans. www.bankersadda.com | www.careerpower.in | www.careeradda.co.in 7

ii. The nation's largest lender SBI, which being a commercial bank could not apply for a payment bank license, will hold 30% in the joint venture. RIL will be the promoter and hold the balance 70%. 7. Base year change pushes 2013-14 GDP growth to 6.9% i. The Government, sharply revised India’s 2013-14 GDP growth estimate to 6.9 per cent from 4.7 per cent. ii. The 2012-13 growth estimate was revised to 5.1 per cent from 4.5 per cent. iii. The estimates released also follow a change in the base year for calculating national accounts to 2011-12 from 2004-05 in addition to the routine annual revision. iv. The changes have reduced the gap between the way India calculates GDP and the methodology used by the International Monetary Fund. 8. CHILLR APP - HDFC Bank, India’s second-largest private bank, introduced a new app, Chillr, which will allow users to send money to any contact in their phone books, 24 hours a day, seven days a week. Chillr is a third-party app, which will be available exclusively for the customers. It will allow them to transfer money using a contact’s mobile number alone. 9. Singapore's GIC to invest Rs 1,020 crore in Bandhan Financial Services i. Singapore's sovereign wealth fund GIC is investing 10.2 billion rupees ($165.5 million) in India's Bandhan Financial Services. ii. The company will get a total equity investment of 16 billion rupees, including 5.8 billion rupees from existing investor IFC. 10. TCS ends RIL's 23-year run as most profitable firm Information technology major Tata Consultancy Services (TCS) posted a net profit of Rs 5,328 crore for the quarter ended December, overtaking long-standing champion Reliance Industries Ltd. 11. ICICI ties up with UAE Exchange for instant money transfer i. ICICI bank has tied up with UAE Exchange to offer an instant bank transfer service to the Indians residing in the Gulf nation. ii. ‘FLASHremit’ service started by the bank enables customers to conveniently send money instantly to their beneficiaries in India in Indian Rupees. 12. ICICI Bank launches ‘Pockets’, India’s first digital bank on a mobile phone i. ICICI Bank, India’s largest private sector bank, has announced the launch of ‘Pockets’, India’s first digital bank for the youth. ii. This wallet uses a virtual VISA card which enables the users to transact on any website or mobile application in India. 13. PNB raises Rs. 1,000 crore via private placement i. State-owned Punjab National Bank raised Rs. 1,000 crore through bonds to fund business growth and meet global capital adequacy norms. ‹ Note - Public sector banks require equity capital of Rs. 2.4 lakh crore by 2018 to meet the global, Basel III norms on capital adequacy. For the current fiscal, the government has allocated Rs. 11,200 crore for bank capitalisation. 14. SBI inks 100 mn euro loan pact with European bank i. State Bank of India has signed a loan agreement for 100 million euro (about Rs 700 crore) with European Investment Bank for lending to private businesses in the country. ii. The loan will be utilised to support the development of private sector, in particular small and medium-sized enterprises ( SMEs), social and economic infrastructure as well as climate change mitigation and adaptation in the country. iii. Agreements related to the first tranche of 55 million euro and the second of 45 million euro were signed in June and November 2014. 15. Govt asks PSU banks increase lending to minorities i. The Union government has advised PSU banks to step up lending to minorities with a view to ensuring that they get loans in proportion to their population. ii. It was decided to increase the percentage share of lending to each minority community in proportion to their respective share in minority population. 16. EPFO trustees okay raising age limit under pension scheme to 60 from 58 years for vesting of pension. 17. US dollar hits 12-year peak, emerging markets spooked. The US dollar climbed to multi-year peaks against the euro and yen in Asia amid starkly diverging outlooks for interest rates globally. 18. SBI sells 4% stake in Cibil to IIFL for around Rs 72 crore 19. Government cuts import tariff on gold and silver - The government has slashed import tariff value on gold to $375 per 10 grams and silver to $512 per kg following weak global price trends. 20. Centre includes compensation in GST Const Amendment Bill - The Centre has included in the GST Constitutional Amendment

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Bill the compensation which will be paid to states for revenue loss on account of rolling out the new indirect tax regime.

UNION BUDGET Key Highlights - • Quoting PAN a must for all purchases above Rs 1,00,000 • Corporate tax reduced from 30% to 25% over next four years • Defence allocation for this fiscal is Rs 2,46,727 crore. • AIIMS to be set up in J&K, Punjab, Tamil Nadu, Himachal Pradesh and Assam. • Govt to raise visa-on-arrival facilities to 150 countries from 43 • Govt to introduce Indian gold coin with Ashoka sign on it. • Proposal of 5 ultra mega power projects for 4,000 MW each. • Investment in infrastructure to go up by Rs 70,000 crores. • GST to be put in place by April 1, 2016. • All contributions to Sukanya Samridhi scheme to be tax free. • Transport allowance, which is currently Rs 800 per month, has been increased to Rs 1600 per month. • Additional deduction of Rs 50,000 for pension contributions. • Govt increases limit of deduction of health insurance premium from Rs 15,000 to Rs 25,000. • 100% deduction for contribution to Swachch Bharat and Clean Ganga schemes. • Rs 150 core to create world class IT hub in India. • Net gain from tax proposals seen at 150.68 billion rupees in 2015-16. • Direct tax proposals will lead to loss of Rs 8,315 crore; indirect proposal will yield Rs 23,383 crore. • Yoga included in the ambit of charitable purposes under the Income Tax Act.

Questionnaire on Union Budget

1. In the Union Budget, rate of Service Tax was hiked from 12% to ____ - 14% 2. In the Union Budget 2015-16, Fiscal deficit seen at how much per cent of GDP in 2015/16? - 3.9 % 3. How much amount has been allocated to the Rural Infrastructure Development Bank in the Union Budget 2015-16? - Rs. 25,00 crore 4. According to the Union Budget, two new IIM will be opened in which of the following states? -Jammu & Kashmir and Andhra Pradesh 5. According to the Union Budget 2015-16, Non-Banking Financial Companies (NBFCs) registered with Reserve Bank of India (RBI) above ______will be now considered as financial institutions? - Rs. 5,000 crore 6. How much amount has been allocated for Rural Employment Guarantee Scheme in the Union Budget 2015-16? - 346.99 billion rupees 7. How much amount has been allocated to Defence sector in the Union Budget 2015-16? - Rs. 2,46,726 crore 8. According to the Union Budget, how much per cent of Revenue Deficit to be seen in 2015-16? - 2.8% 9. According to the Union Budget 2015-16, how much per cent, rate of corporate tax will be reduced over next four years? - 25% 10. According to the Union Budget 2015-16, now details of PAN has to mentioned compulsory for transactions for more than _____.- Rs. 1 lakh 11. In the Union Budget 2015-16, increase in the limit of health insurance premium from current Rs 15,000 to ____. Rs. 25,000 12. How much amount has been allocated for micro-irrigation watershed projects in the Union Budget 2015-16? - Rs. 5,300 Crore 13. How much amount has been allocated to Infrastructure sector in the Union Budget 2015-16? Rs. 70,000 crore 14. According to the Union Budget 2015-16, Visa on arrival for how many countries? - 150

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15. According to the Union Budget, Centre of film production, animation and gaming to come up in _____. AP 16. On which date Union Budget 2015-16 was presented in Parliament? - 28 February 2015 17. Name the Union Finance Minister who presented the Union Budget 2015-16 in Parliament? - Arun Jaitley 18. Personal Income Tax limit was not changed in Union Budget 2015-16. What is the present Personal I-T exemption limit? - Rs 2.5 lakh 19. Health Insurance Premium deduction hiked from Rs. 15,000 to? - Rs. 25,000 (for senior citizens to Rs. 30,000) 20. Transport allowance exemption hiked to Rs. 1,600, from ____ per month? - Rs. 800 21. PAN card is must for all purchase above ______rupees as proposed in Budget 2015-16? - Rs. 1 lakh 22. An additional _____% surcharge on people earning over Rs. 1 cr was put forth in the budget 2015-16? - 2% 23. What change was made in the Wealth tax? - Wealth tax abolished 24. DTC was dropped in the Budget 2015-16. Expand DTC? - Direct Taxes Code 25. Corporate tax to be reduced from 30% to ___ over next four years? - 25% 26. Mudra banks to be established with capital of Rs.___ crore? - 20000 27. Rs. ____ deduction for contribution to New Pension Scheme? - Rs. 50,000 28. GAAR implementation deferred by 2 years to? - April 2017 29. Service Tax rate hiked to ___% from 12.36%? - 14% 30. Tax free bonds were proposed in budget for? - Roads, railways, irrigation project

ECONOMIC SURVEY Presented By - Union Finance Minister Arun Jaitely on 27 February. What is Economic Survey - The Economic Survey reviews the developments in the Indian economy over the previous 12 months, summarises the performance on major development programmes and highlights the policy initiatives of the government and the prospects of the economy in the short to medium term.

Highlights of the Economic Survey 2014-15 • GDP growth is expected to accelerate to between 8.1 and 8.5 percent in 2015-16. • Inflation is likely to remain in the 5-5.5 percent range in 2015-16. • The current account deficit estimated to be 1.0 percent in the fiscal year 2015-16. • Food grains production for 2014-15 is estimated at 257.07 million tones. • India ranks well above the mean for its investment grade category (BBB), and also above the mean for the investment category above it (on the basis of the new growth estimates). • Expenditure control and expenditure switching from consumption to investment will be the key to growth in the short-run • It calls for complementing Make in India initiative with Skill India initiative to enable a larger section of the population to benefit from the structural transformation that such sectors will facilitate. • The Model APMC Act, 2003 should be amended along the lines of the Karnataka Model that has successfully introduced an integrated single licensing system. • The Survey calls for adhering to the medium-term fiscal deficit target of 3 percent of GDP. This will provide the fiscal space to insure against future shocks and also to move closer to the fiscal performance of its emerging market peers. • It also calls for moving toward the golden rule of eliminating revenue deficits and ensuring that, over the cycle, borrowing is only for capital formation. • Expenditure control combined with recovering growth and the introduction of the GST will ensure that medium term targets are comfortably met. • In the short run, the need for accelerated fiscal consolidation will be conditioned by the recommendations of the Fourteenth Finance Commission (FFC). • Food Subsidy Bill stands at 107823.75 crore rupees during 2014-15 (up to January 2015) which means an increase of 20 percent over previous year • The direct fiscal cost of select subsidies is roughly 378,000 crore rupees or 4.2 percent of GDP in 2011-12. • 41 percent of subsidy given for the PDS kerosene is lost as leakage and only 46 percent of the remaining 59 percent is consumed by households that are poor.

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• The JAM Number Trinity – Jan Dhan Yojana, Aadhaar, Mobile – can enable the State to transfer financial resources to the poor in a progressive manner without leakages and with minimal distorting effects. • The railways public investment multiplier (the effect of a 1 rupee increase in public investment in the railways on overall output) is around 5.

RAILWAY BUDGET

• 1,00,011 Cr. Planning Budget in 2015-16. • Bullet train Corridor to be developed between Mumbai to Ahmedabad. • Rs.2000 cr for Coastal Connectivity Program; Rs.2500 cr through BOT/Annuity route. 1000 MW Solar plant; 100DEMUs to dual fuel • Setting up ‘Kayakalp’ to help in Technology Upgradation. • Corporate safety Plans; ISRO to be involved; 3438 level Xings to be eliminated, Rly expense increased by 2600% • MUTP-III project for Mumbai. • Malviya Chair at IIT BHU for Railway technology excellence. • Train Protection Warning Systems and Anti colliding system to be developed by RDSO. • Increase of speed of 9 Trains from 110 km/hr and 130 km/hr to 160 km/hr.to 200 km/hr. • 8.5 lakh crore rupees to be invested in the railways in the next 5 years. • Operating ratio proposed at 88.5%. Best ever in 9 years. • Increase track length by 20 per cent and passenger carrying capacity from 21 to 30 million. • Free Wi-fi facility to B class stations under the scheme of Digital India. • SMS alert on mobile, customer portal promoting digital India campaign. • Bio toilets in trains; airplane type toilets in trains.

Important Committees in News:

1. The government has set up a high level panel, headed by former Home Secretary Anil Baijal to suggest a framework to assess CSR activities done by corporates under the companies law. 2. Union Finance Ministry constituted High Level Committee to interact with trade and industry to give recommendations to the Central Board of Direct Taxes (CBDT) and the Central Board of Excise and Customs (CBEC) for issuance of appropriate clarifications by way of circulars, on tax-related issues on a regular basis. The high level committee will be headed by former Chief Economic Advisor (CEA) Ashok Lahiri. 3. TSR Subramaniam Committee : to review the processes, laws and Acts of the Ministry of Environment, Forests and Climate Change 4. Pratyush Sinha committee: to assess compensation for coal blocks. 5. The former Union Minister Jairam Ramesh designated as the head of Future Earth Engagement Committee, a global research platform panel on sustainable development. 6. T. K. Vishwanathan committee: to provide Bankruptcy code for small and medium enterprises (SMEs). Note: The committee will prepare a report on corporate bankruptcy framework for SMEs by February 2015. 7. Justice Prabha Sridevan committee : to function as a think-tank to help draft a new National Intellectual Property Rights Policy (National IPR Policy) 8. K.V. Kamath panel : to examine the financial architecture for Micro, Small and Medium Enterprises (MSME) sector. 9. Gopalakrishna Committee: on Capacity Building in Banks and non-Banks 10. G N Bajpai Committee : to review the investment guidelines for national pension system (NPS) schemes in private sector. 11. Scientist Raghunath Anant Mashelkar panel: to recommend best technologies for Prime Minister Narendra Modi's "Swachh Bharat" national sanitation campaign. Note : The terms of reference include achieving Prime Minister Modi's "Swachh Bharat" goals by 2019. 12. T S R Subramanian Committee : to review five key green laws concerning protection and conservation of environment, forest, wildlife, water and air among others. 13. H R Khan Committee : to examine the un-claimed amount in PPF, Post Office and Savings Schemes. 14. H Devaraj Committee : reported that most of the deemed

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universities are not fit for being a university. 15. Sivaramakrishnan Committee : to suggest the place to build the capital city of Andhra Pradesh 16. Former RBI Governor Bimal Jalan to head the Expenditure Management Commission . The purpose of setting up the commission is to cut-off the spending and review government expenditure to get maximum output. 17. Justice CS Dharmadhikari Committee: recommended complete ban on dance bars in hotels and restaurants . 18. R. Ramanujam Committee - to review, identify and recommend amendment in obsolete laws to further smoothen and simplify the governance. 19. G. Padmanabhan Committee: implementation of Bharat Bill Payment System (BPPS) 20. Nachiket Mor committee: for small and payments bank 21. Nachiket Mor Committee: to permits NBFCs to work as Business Correspondents of banks. 22. Deepak Mohanty Committee: on Data and Information Management in the Reserve Bank of India 23. PJ Nayak to review Governance of Boards of Banks in India. 24. Nachiket Mor - committee on comprehensive financial services for small businesses and low-income households. 25. Parthasarathi Shome – for Tax Administration Reform Commission (TARC) 26. Arvind Mayaram Panel: report on the alleged irregularities at the National Spot Exchange Ltd (NSEL) 27. Arvind Mayaram Committee –for giving clear definitions to Foreign Direct Investment (FDI) and Foreign Institutional Investment (FII) Important News (India & World):

1. Coal India stake sale fetches Rs. 22,600 crore i. The Centre raised Rs 22,557.63 crore from the sale of its 10 per cent shareholding in Coal India (CIL). ii. Of the total proceeds raised, Rs 11,360.11 crore came from insurance companies — both private sector and public sector including the Government-owned Life Insurance Corporation. iii. With divestment drive, the Centre’s shareholding in CIL stands at 79.65 per cent. 2. Gujarat Technological University (GTU) launched e-Raksha Research Centre to curb rising menace of cybercrimes. 3. Jaipur Literature Festival i. The eighth edition of the ZEE Jaipur Literature Festival is held on 21st January 2015. ii. The event was inaugurated by the Chief Minister Vasundhara Raje iii. The Festival highlighted the at gender equity in India in a series titled `Women Uninterrupted'. 4. Hyderabad to host World Congress on Information Technology in 2018 i. Hyderabad will host the World Congress on Information Technology (WCIT) in 2018. ii. This will be the first WCIT to be held in India and the theme of the 2018 WCIT will be Future of enterprises. iii. WCIT 2016 is to be held in Brazil. 5. India overtakes China as world’s leading gold consumer i. India overtook China as the world’s biggest gold consumer in 2014 as global physical demand fell. ii. Chinese gold demand slid by more than a third last year to a four-year low of 866 tonnes. 6. European Union (EU) decided to lift a seven-month-long ban on the import of mangoes from India. The proposal to lift the ban was voted unanimously by the European Commission’s standing committee on plant health. ii. European Union issued a temporary ban on import of Indian mangoes on 1 May 2014 after fruit flies and other quarantine pests were found in 207 consignments. The consignment infested with fruit flies were found by authorities in Brussels. The ban was supposed to be effective till December 2015. 7. Pakistan has banned the Jamaat-ud Dawa (JuD) and the Haqqani network after the US intervention. 8. Supreme Court's decision on IPL Spot fixing i. Supreme Court gave verdict that N Srinivasan can't contest BCCI polls till he gives up commercial interest in CSK. ii. The court-appointed Justice Mukul Mudgal Committee, also comprising senior advocates L Nageswar Rao and Nilay Dutta, had found Srinivasan's son-in-law Gurunath Meiyappan guilty of indulging in betting during IPL 2013 despite being a CSK team official. 9. Kerala to get first International Institute of Music i. Kerala Culture Minister K C Joseph on 22 January 2015 announced setting up of the International Institute of Music in Kerala. It will be the first international institute in India that is dedicated to music. ii. A Trust headed by Sarod Maestro Ustad Amjad Ali Khan has been entrusted with the responsibility to set up the Institute. 10. Apple Inc. becomes first company worth over $700 bn in global corporate history i. US technology giant Apple Inc. became the first company to reach a market value of $700 billion. ii. Apple Inc had recorded highest quarterly profit of 18 billion US dollar in corporate history worldwide after the company sold 74.5 million iPhones in quarter ending December 2014.

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11. National Bank for Agriculture and Rural Development (NABARD) announced Rs 1,14,927 crore credit plan for agriculture in Rajasthan for fiscal 2015-16, encompassing all 33 districts in the state. 12. Himachal Pradesh Government launched Crime and Criminal Tracking Network System Project. 13. Puducherry government initiated steps to bring into effect a scheme evolved in 2003 to pay monthly pension to media persons. 14. Israel offers expertise to clean up Ganga - Amit Lang, Director-General of the Ministry of Economy, initiated talks on the Free Trade Agreement (FTA), as well as expand cooperation in the field of water management, waste water treatment. 15. Aam Admi Party (AAP) led by Arvind Kejriwal emerged as winner in the Delhi vidhansabha Electon. AAP won 67 out of the total 70 seats, while BJP bagged only 3 in the state. ‹ Arvind Kejriwal swore in as the chief minister of Delhi. Ending the year old Lt. Governor’s rule in the state. 16. HIV treatment to be linked to Aadhaar - Anti-Retroviral Therapy (ART) Treatment for HIV/AIDS infection will now be linked to Aadhaar. 17. China overtakes US as top investment destination i. China has overtaken the United States as the top destination for foreign direct investment for the first time since 2003. ii. According to the United Nations Conference of Trade and Development, foreign firms invested 128 billion dollars in China and 86 billion in the US last year. 18. India, China launch Visit India Year in China i. External Affairs Minister Sushma Swaraj and Chinese Vice-Premier Wang Yang jointly launched the Visit India Year in China at a function in Beijing. ii. It is agreed to designate 2015 as Visit India Year in China and 2016 as Visit China Year in India. 19. World’s largest and tallest Indian flag unfurled in Faridabad. The flag was unfurled by BJP president Amit Shah, Haryana CM ML Khattar and Bollywood actor Ranbir Kapoor at Town Park in Faridabad, Haryana. The flag has dimension of 96 feet by 64 feet and weighs 48 kilograms. 20. Country's second largest software services firm Infosys has set up a 250-seater BPO arm centre at Aguadilla, Puerto Rico, aimed at serving the aviation sector. 21. President gives assent to Maharashtra Animal Preservation Amendment Bill, 1995. This bill amends Maharashtra Animal Preservation Act 1976 and bans slaughter of bulls and bullocks in the state. 22. India, Mauritius to work to avoid 'abuse' of DTAT - Double Taxation Avoidance Convention. 23. Union Government launches BIRAC AcE Fund to accelerate growth of entrepreneurs in Biotechnology. 24. The Union Cabinet has approved the Pradhan Mantri Kaushal Vikas Yojana (PMKVY) to provide skills training to youth across the country. 25. The 1st Counter-Terrorism Conference 2015 was held in Jaipur for three days from 19 March 2015 to 21 March 2015. 26. The Supreme Court struck down Section 66 A of the Information and Technology Act, which allows police to arrest people for posting 'offensive content' on the internet. 27. Foreign Secretary S Jaishankar’s SAARC Yatra – He visited four nations from 1 March 2015 and ended on 4 March 2015. During the Yatra, he visited four countries namely Afghanistan on 4 March 2015, Pakistan on 3 March 2015, Bangladesh on 2 March 2014 and Bhutan on 1 March 2015. ‹ Afghanistan on 4 th March 2015 CEO Abdullah Abdullah ‹ Pakistan on 3 rd March 2015: Foreign Secretary Aizaz Chaudhary. He also met with Prime Minister Nawaz Sharif and his Advisor on Foreign Affairs and National Security Sartaj Aziz. He handed over a letter from Prime Minister Narendra Modi to Pakistan Prime Minister Sharif. ‹ Bangladesh on 2 nd March 2015: Prime Minister of Bangladesh Sheikh Hasina ‹ Bhutan on 1 st March 2015: Bhutanese Prime Minister Tshering Tobgay. He also met with the 4th King of Bhutan Jigme Singye Wangchuck.

Important News - States

1. Jharkhand CM announces Rs 1 lakh for alcohol-free villages. Chief Minister proposed to open 57 more Kasturba Gandhi Girl Schools in the state 2. LIC to invest Rs 1.5-L cr in Indian Railways over next 5 years 3. Union Road Transport and Highways Minister Nitin Gadkari launches portal to help source cement for concrete roads 4. New city 'NAINA' to come up over 600 square km near Navi Mumbai airport

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5. Cairn India gets Rs. 20,495-crore tax notice 6. Assam government has launched an ambitious scheme to increase agricultural production by providing facilities and assistance to farmers for double cropping in their lands. 7. Kerala will host its first global conference on gender equality 8. Supreme Court sets aside Jat quota. The quota was given by the UPA regime to woo the Jat support in the 16 th Lok sabha elections. SC declared the Jats were not eligible for the quota as they are not in the economically weaker category. 9. Election Commission has announced that Electronic Voting Machines (EVMs) and ballot papers will carry photographs of candidates from 1 May 2015. 10. First Kisan Call Centre of North-East opened in Agartala, Tripura. The KCC was launched by the Tripura Chief Minister Manik Sarkar. 11. Union Government released Commemorative Postage stamps with Swachh Bharat Mission as theme i. The Commemorative Postage stamps on the theme of Swachh Bharat Mission were released on 30 January 2015 at Vigyan Bhawan, New Delhi to mark the Martyrdom Day of Mahatma Gandhi. ii. The stamps were released by the Union Ministry for Communications & Information Technology. iii. The design of the stamps was selected through a competition among the children on the theme of Swachh Bharat Mission. iv. The Swachh Bharat Mission was launched by the Prime Minister Narendra Modi on 2 October 2014, on the occasion of Birth Anniversary of Mahatma Gandhi. 12. A tracker to curb sex determination i. A simple set top box is helping prevent sex determination and female foeticide. ii. The civil administration in Jind has now made it mandatory for all ultrasound labs in the district to install active tracking devices with their machines so that the details of the tests become available online to the Chief Medical Officer. iii. Jind does not figure in the list of the 12 districts of Haryana identified for concerted action through the Beti Bachao Beti Padhao campaign launched by Prime Minister Narendra Modi. iv. The district administration has introduced the scheme of active tracking of ultrasound machines to curb their misuse for sex determination tests and to improve the sex ratio. 13. Maharashtra Government announced to rename Girgaum Chowpatty as Swaraj Bhoomi 14. 18th National Conference on e-Governance held in Gujarat i. 18th National Conference on e-Governance was held in Gandhinagar, Gujarat from 30 January 2015 to 31 January 2015 ii. The main Theme of the Conference was Digital Governance – New Frontiers. The focus sector was Skill Development & Employability. iii. The conference was organised jointly by Department of Administrative Reforms & Public Grievances (DARPG) under Ministry of Personnel, Public Grievances & Pensions and Department of Electronics and Information Technology (DeitY) under Ministry of Communications & Information Technology. 15. Modi govt to bring new scheme to replace JNNURM i. The existing programme to modernize urban infrastucture will be discontinued and a new plan will be introduced by the Narendra Modi government. ii. It will focus on spatial planning, liquid and solid waste management and public transport. About JNNURM - The Jawaharlal Nehru National Urban Renewal Mission (JNNURM) was introduced by the previous United Progressive Alliance (UPA) government in 2005 to improve civic infrastructure and services. 16. In its centenary year in 2013, the Rockefeller Foundation announced the 100 Resilient Cities project with a $100 million commitment to build urban resilience worldwide. Bengaluru, Chennai, Surat is selected among these ‘100 Resilient Cities'. 17. Bihar to provide free education i. The Bihar government decided to provide free education to Scheduled Castes (SC), Scheduled Tribes (ST) and girl students till Post Graduation (PG) level in the state. ii. According to latest government data, there were 4.05 lakh SC, ST and girl students studying undergraduate courses in the state, but the figure declines sharply to just 10,870 students belonging to these categories at the PG level. 18. Former Prime Minister Manmohan Singh adopted Pachim Bekeli Gaon Panchyat under Sansad Adarsh Gram Yojna (SAGY). Pachim Bekeli Gaon Panchyat is located in Kamrup district of Assam.

Council Ministers and their Constituency 1. Narendra Modi - Varanasi 6. Nitin Jairam Gadkari - Nagpur (Maharashtra) 2. Rajnath Singh - Lucknow 7. Manohar Parrikar – Rajya Sabha (U.P.) 3. Sushma Swaraj - Vidisha (Madhya Pradesh) 8. Suresh Prabhu - Rajya Sabha (Haryana) 4. Arun Jaitley - Rajya Sabha (Gujarat) 9. D.V. Sadananda Gowda - Bangalore North (Karnataka) 5. M. Venkaiah Naidu - Rajya Sabha (Karnataka) 10. Uma Bharati - Jhansi (Uttar Pradesh)

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11. Dr. Najma A. Heptulla - Rajya Sabha (Madhya Pradesh) 19. Narendra Singh Tomar - Gwalior (Madhya Pradesh) 12. Ramvilas Paswan - Hajipur (Bihar) 20. Jual Oram - Sundargarh (Odisha) 13. Kalraj Mishra - Deoria (Uttar Pradesh) 21. Radha Mohan Singh - Purvi Champaran (Bihar) 14. Maneka Sanjay Gandhi - Pilibhit (Uttar Pradesh) 22. Thaawar Chand Gehlot - Rajya Sabha (Madhya 15. Ananth Kumar - Bangalore (South) Pradesh) 16. Ashok Gajapathi Raju Pusapati - Vizianagaram (Andhra 23. Smriti Zubin Irani - Rajya Sabha (Gujarat) Pradesh) 24. Dr. Harsh Vardhan - Chandni Chowk (Delhi) 17. Anant Geete - Raigad (Maharashtra) 25. Ch. Birender Singh – Rajya Sabha (Haryana) 18. Harsimrat Kaur Badal - Bathinda (Punjab) 26. J.P. Nadda – Rajya Sabha (Himachal Pradesh)

New Appointment in India

1. Rajinder Khanna to be New Chief of RAW for a period of two years from December 31 after incumbent Alok Joshi retires. 2. Walmart India appoints Ashwin Mittal as CFO 3. IPS officer M Akhaya appointed as Chief Vigilance Officer in telecom department 4. Wipro appoints Abid Neemuchwala as COO 5. Kavinder Gupta elected as J&K assembly Speaker 6. Sir Venkatraman Ramakrishnan named as President of Britain’s Royal Society 7. Jagmohan Dalmiya appointed BCCI president 8. FICCI appointed Arvind Virmani as Economic Mentor 9. Arun Singh named New Indian Ambassador to United States 10. Kannan Ramesh appointed as Judicial Commissioner to Supreme Court Bench of Singapore 11. Baldev Sharma appointed as chairman of National Book Trust 12. IAS officer Kewal K Sharma appointed as Delhi Chief Secretary 13. Railways chose in Ratan Tata to lead Kaya Kalp panel 14. Amitabh Bachchan roped in as Brand Ambassador for Campaign against Hepatitis . 15. Jaipal Singh - appointed Private Secretary to Minister of State for Home Affairs 16. S Jaishankar - took charge as Foreign Secretary 17. Glen Joseph Galstaun - nominated as the representative of the Anglo- Indian community in the Jharkhand Assembly. 18. K Durga Prasad - appointed as the Special DG of CRPF 19. Kalyan Singh - sworned in as Himachal Pradesh Governor 20. RK Mathur to hold additional charge of Department of Defence Research and Development (DDR&D). 21. IAS officer Reena Ray - appointed as Additional Secretary in Department of School Education and Literacy. 22. Shekhar Sen - appointed as Chairman of Sangeet Natak Akademi 23. Pahlaj Nihalani appointed as chairperson of CBFC Union Government has reconstituted Central Board of Film Certification (CBFC) and Pahlaj Nihalani was appointed as the chairperson. 24. Gauri Shankar - Government gave additional charge of Managing Director and CEO of Punjab National Bank to Gauri Shankar, senior most executive director at the bank. 25. Nitish Kumar became the new chief minister of Bihar. 26. M.O.Garg - appointed as Director General of Council of Scientific & Industrial Research 27. Krishna Chaudhary - appointed as the Director General (DG) of the Indo-Tibetan Border Police (ITBP). 28. Economist Bibek Debroy assumed charged as full time member of the NITI Ayog (National Institution for Transforming India). DRDO chief V K Saraswat is the other full-time member in NITI Ayog. 29. Aziz Qureshi appointed as New Governor of Mizoram. 30. KK Paul is given the additional charge as the Governor of Uttarakhand.

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31. Rajinder Khanna to be New Chief of RAW for a period of two years from December 31 after incumbent Alok Joshi retires. 32. Jyotsna Suri elected as the President of the (FICCI) the Federation of Indian Chambers of Commerce & Industry (FICCI).She succeeded Sidharth Birla. 33. Prakash Mishra takes over as DG of country's largest paramilitary and lead anti-Naxal operations force CRPF .Mishra was an ex-Odisha police DGP and 1977-batch IPS officerv 34. Dineshwar Sharma has been appointed as the next chief of Intelligence Bureau(IB). he will succeed Syed Asif Ibrahim whose tenure ends on December 31. 35. Randhir Singh appointed as honorary member of International Olympic Committee (IOC) in Monaco. 36. Anurag Jain appointed as joint Secretary in Prime Minister's Office (PMO) of India. 37. Govt appoints Dinesh Kumar as CEO of Polavaram Project. 38. Arun Duggal appointed as non-executive Chairman of Credit rating agency ICRA. He will replace Pranab Kumar Choudhury who will resign from ICRA Limited and all other affiliated entities on 29 January 2015. 39. Anil Sinha takes over as new CBI Chief . Mr. Sinha is the third consecutive chief of the agency from Bihar following Ranjit Sinha and A.P. Singh

The list of Cabinet Ministers : 1. Rajnath Singh : Home Minster 2. Sushma Swaraj : External Affairs & Overseas Indian Affairs 3. Arun Jaitley : Finance Corporate Affairs 4. M. Venkaiah Naidu : Urban Development Housing and Urban Poverty Alleviation & Parliamentary Affairs 5. Nitin Jairam Gadkari : Road Transport and Highways Shipping. 6. Uma Bharati: Water Resources, River Development and Ganga Rejuvenation 7. Dr. Najma A. Heptulla : Minority Affairs 8. Ramvilas Paswan : Consumer Affairs, Food and Public Distribution 9. Kalraj Mishra : Micro, Small and Medium Enterprises 10. Maneka Gandhi : Women and Child Development 11. Ananthkumar : Chemicals and Fertilizers 12. Ashok Gajapathi Raju : Civil Aviation 13. Anant Geete: Heavy Industries and Public Enterprises 14. Harsimrat Kaur Badal : Food Processing Industries 15. Narendra Singh Tomar : Mines & Steel Labour and Employment 16. Jual Oram: Tribal Affairs 17. Radha Mohan Singh : Agriculture 18. Thaawar Chand Gehlot : Social Justice and Empowerment 19. Smriti Zubin Irani: Human Resource Development

New Appointment in World

1. Sunil Sood to succeed Marten Pieters as Vodafone India CEO 2. Prince Salman bin Abdulaziz became king and Prince Muqrin was declared Crown Prince. 3. South Korean President Park Geun-hye has nominated ruling party lawmaker Lee Wan Koo to replace Prime Minister Chung Hong-won. 4. Vodafone India appoints Naveen Chopra as Chief Operating Officer 5. Australian PM Tony Abbott survives vote of confidence retained as the Prime minister of Australia again. 6. Ajaypal Singh Banga - Indian-American Ajaypal Singh Banga is appointed as the Member of the Advisory Committee for Trade Policy and Negotiations (ACTPN), a key administration position in the United States (US). 7. Kanagasabapathy Sripavan appointed as Chief Justice of Sri Lanka. 8. Alexis Tsipras became the Prime Minister of Greece. His party Syrzia won the general elections. 9. Sohail Aman new Pakistan Air Force chief 10. Israeli prime minister Netanyahu defies the polls to seal election win 11. U.S. President Barack Obama has nominated veteran diplomat David Hale as the next ambassador to Pakistan. 12. Tabare Ramon Vazquez Rosas won Uruguay Presidential Election 2014 .Vazquez belongs to the leftist Broad Front coalition party of Uruguay.replaed Jose Mujica who was barred by law from running for a second consecutive term. www.bankersadda.com | www.careerpower.in | www.careeradda.co.in 16

13. Anerood Jugnauth appointed as Mauritius Prime Minister by the President Purryag by replacing Prime Minister Navinchandra Ramgoolam. 14. Richard Rahul Verma -US Ambassador to India replaced Kathleen Stephens. 15. Ashton Carter new US defense secretary to replace Chuck Hagel as US Defence Secretary. 16. National Rifle Association of India , NRAI, chief Raninder becomes first elected Indian in ISSF International Shooting Sport Federation committee. 17. India's S Ravi in ICC panel of umpires for World Cup. 18. Richard Rahul Verma sworn in as US Ambassador to India by Secretary of State John Kerry.He will replace Nancy Powell, who resigned in March after a damaging row over the treatment of diplomat Devyani Khobragade over visa fraud charges. 19. Japanese Prime Minister Shinzo Abe re-elected for another four year term 20. US senate confirms Vivek Murthy as 19th Surgeon General of America.He is youngest person and first person of Indian- origin to hold the post. 21. Michel Kafando: New interim president of Burkina Faso 22. Klaus Werner Iohannis elected new President of Romania. He replace Traian Basescu. 23. Farhan Akhtar appointed as UN Women Goodwill Ambassador for South Asia.

MAJOR SUMMITS

1. UN World Conference on Disaster Risk Reduction Sendai City, Miyagi Prefecture, Japan 2. The first Renewable Energy Global Investors Meet & Expo,also called RE-Invest 2015. New Delhi 3. The 15th Delhi Sustainable Development Summit. New Delhi 4. First World Ocean Science Congress - Kochi, Kerala 5. World Congress on Information Technology (WCIT) - Hyderabad 6. World Economic Forum annual Summit 2015 Davos - Switzerland 7. World Diamond Conference 2014 New Delhi 8. 19th SAARC Summit 2016 Islamabad, Pakistan 9. G20 Leaders Summit 2014 Brisbane, Queensland (Australia) 10. 15th G - 20 Summit 2015 Turkey 11. 16th G - 20 Summit 2016 China 12. 4thNuclear security summit 2016 United States 13. 7th BRICS Summit 2015 Ufa, Russia 14. IBSA Summit 2015 (IBSA = India - Brazil - South Africa) - New Delhi 15. International Buddhist Conference 2014 held in Nepal 16. 9th East Asia Summit held in Nay Pyi Taw, Myanmar 17. 45th International Film Festival of India begins in Goa. 18. The International Renewable Energy Agency, IRENA hold its eighth Council meeting in Abu Dhabi. 19. The World Economic Forum summit held in New Delhi 20. India-Arab League officials meeting held in New Delhi 21. The 10th edition of World Islamic Economic Forum, WIEF held in Dubai. 22. G-4 foreign minister meeting held in New York to discuss Security Council reform Note: G -4 countries include - India, Brazil, Germany and Japan 23. UN Climate Change Summit 2014 held in New York 24. 13th edition of the Pravasi Bharatiya Divas (PBD) will be held for the first time in Gandhinagar, Gujarat.

Narendra Modi’s recent Prime Ministerial Visits

1. Seychelles(10-11 Mar) President : James Michel Capital : Victoria

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Currency : Seychellois Rupee

Highlights of The Visit • 1st Indian PM to visit the country after 33 years. • Prime Minister of India unveiled the Plaque and Operationalisation of Radar for the CSRS India-Seychelles Cooperation Project in Seychelles.

2. Mauritius (12th Mar) PM : Anerood Juganauth President : Rajkeswur Purryag Capital : Port Louis Currency : Mauritian Rupee

Highlights of The Visit : • On March 12th, the Prime Minister visited Ganga Talao in Mauritius. • Prime Minister Narendra Modi announced for supporting a second cyber city in Mauritius. • Prime Minister Narenda Modi attended the programme to mark the commissioning of the Barracuda, a ship in the service of the National Coast Guard of Mauritius. • On March 12th, Shri Narendra Modi joined the National Day celebrations in Mauritius as the guest of honour.

MOU’s/Agreements signed between India-Mauritius 1. Memorandum of Understanding between India and Republic of Mauritius in the field of Ocean Economy. 2. Programme for Cultural Cooperation between the Republic of India and the Republic of Mauritius for the year 2015-18. 3. Protocol between the Department of Agriculture and Cooperation, Ministry of Agriculture of Republic of India and the Ministry of Agro-Industry and Food Security of Republic of Mauritius for the importation of fresh mango from India. 4. Memorandum of Understanding for the Improvement in Sea and Air Transportation Facilities at Agalega Island of Mauritius. 5. MoU on Cooperation in the field of Traditional System of Medicine and Homeopathy.

3. Sri Lanka (13-14 Mar) PM : Ranil Wickremesinghe President : Maithripala Sirisena Capital : Colombo Currency : Sri Lankan Rupee

Highlights of The Visit : • It is the first standalone bilateral visit to Sri Lanka by an Indian Prime Minister since 1987. • Lanka IOC and Ceylon Petroleum Corporation have agreed to jointly develop the Upper Tank Farm of the China Bay Installation in Trincomalee on mutually agreed terms. • Early commencement of work on the ground in the Sampur Coal Power Project. This landmark project would meet Sri Lanka`s energy needs. • The facility of “Tourist Visa on Arrival – Electronic Travel Authorization” Scheme to Sri Lankan citizens from the Sinhala and Tamil New Year on 14 April 2015. • Air India will soon start direct flights between New Delhi and Colombo. • Cooperation in developing a Ramayana Trail in Sri Lanka and a Buddhist Circuit in India. • A fresh Line of Credit of up to US$ 318 million for the railways sector. This will be used to procure rolling stock, and to restore and upgrade existing railway track. • Assistance for the construction of the Rabindranath Tagore auditorium at Ruhuna University in Matara. • The Reserve Bank of India and the Central Bank of Sri Lanka have agreed to enter into a Currency Swap Agreement of US$ 1.5 billion. This will help keep the Sri Lankan rupee stable.

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• Modi became the first PM to visit Jaffna

Joint Ventures , Acquisations and Mergers

1. Twitter buys Indian mobile marketing start-up ZipDial For $30 million to $40 million, as the U.S. microblogging service looks to expand in the world's second-biggest mobile market. 2. Aditya Birla Chemicals merged with Grasim Industries The Board of Directors of Grasim Industries Limited approved the proposed merger of Aditya Birla Chemicals (India) Limited (ABCIL) with Grasim. 3. Anil Ambani led Reliance Communications Ltd (RCOM) has partnered with Facebook to offer free data access to select popular websites for all its customers, existing and new ones. 4. CarDekho.com gets Ratan Tata fund – In a first-of-its kind partnership in the Indian auto space, CarDekho.com announced an investment in the company by Ratan Tata. 5. CSIR-NCL signed MoU with Security Printing and Minting Corporation of India Ltd - The MoU seeks to explore printing innovations. It ascertained the research projects within the focus areas of SPMCIL’s requirements and domain expertise available at CSIR-NCL. 6. Tata Communications has signed a $20 million multi-year deal with Germany-based KION Group to provide global wide area network (WAN) services to the group’s 330 sites across 30 countries. 7. Alibaba and Paytm - Alibaba had signed a deal to buy a 25% stake in Indian mobile payments and ecommerce platform Paytm owner One Communications. 8. Facebook acquired The Find, a nine-year-old company with a search engine that indexes products across thousands of e- commerce sites. 9. Infosys had signed a five-year agreement with Dutch company TNT to help it simplify and transform its technology applications. 10. DLF Ties Up With Snapdeal to Sell Flats Online. 11. Snapdeal buys stake in logistics firm GoJavas. 12. Hitachi India, Siemens sign MoU with CII to form a consortium that would create pilots and replicate them throughout the country for setting up 100 smart cities. 13. Infosys and Accenture have entered the final lap to clinch a Rs 900-crore ($150 million) IT outsourcing contract from Australia-based financial services provider Macquarie Group.

Scheme & Plan Launched by Union & State Government:

1. Niti Ayog

India's Planning Commission will be renamed "Niti Ayog" (National Institution for Transforming India) as part of a plan to restructure the institution that the government believes has run its course. The name, replacing "Yojana (planning)" with "Niti (policy)" will be announced in an amended resolution for the new plan body. The Planning Commission had suggested to a group chaired by Prime Minister Narendra Modi that its replacement body should be structured to meet the need of changing economic paradigm and comprise sectoral experts and states' representative. The restructured plan panel could be a combination of three or four divisions.

The NITI Aayog will comprise the following: • Prime Minister of India as the Chairperson • Governing Council comprising the Chief Ministers of all the States and Lt. Governors of Union Territories • Regional Councils will be formed to address specific issues and contingencies impacting more than one state or a region. These will be formed for a specified tenure. The Regional Councils will be convened by the Prime Minister and will comprise of the Chief Ministers of States and Lt. Governors of Union Territories in the region. These will be chaired by the Chairperson of the NITI Aayog or his nominee. • Experts, specialists and practitioners with relevant domain knowledge as special invitees nominated by the Prime Minister • The full-time organizational framework will comprise of, in addition to the Prime Minister as the Chairperson: www.bankersadda.com | www.careerpower.in | www.careeradda.co.in 19

i. Vice-Chairperson: To be appointed by the Prime Minister ii. Members: Full-time iii. Part-time members: Maximum of 2 from leading universities research organizations and other relevant institutions in an ex-officio capacity. Part time members will be on a rotational basis. iv. Ex Officio members: Maximum of 4 members of the Union Council of Ministers to be nominated by the Prime Minister. v. Chief Executive Officer : To be appointed by the Prime Minister for a fixed tenure, in the rank of Secretary to the Government of India. vi. Secretariat as deemed necessary.

2. PAHAL Scheme i. More than 60 per cent of LPG customers in the country have joined the ambitious PAHAL scheme for receiving cash subsidy so that they can buy cooking gas (LPG) at market price. ii. Over 9 crore consumers, out of a total customer base of 15.33 crore, have joined the Direct Benefit Transfer for LPG (DBTL) scheme and Rs 2,262 crore in cash has been transfered to them. iii. The DBTL Scheme for LPG consumers (PAHAL) was launched on November 15, 2014 in 54 districts and in the rest of the country on January 1, 2015. iv. The Scheme aims to transfer the subsidy on LPG directly into the bank accounts of over 15 crore LPG consumers.

3. Beti Bachao-Beti Padhao i. The ‘Beti Bachao-Beti Padhao’ scheme, which seeks to address gender imbalance and discrimination against the girl child, was launched by Prime Minister Narendra Modi at Panipat in Haryana. ii. Mahendergarh and Jhajjar districts of Haryana are badly effected with imbalanced Sex ratios where there are just about 775 girls for 1,000 boys, the lowest in India. 'Aapki Beti Humari Beti' scheme launched in Haryana - Haryana chief minister Manohar Lal Khattar launched a scheme for girl child - 'Aapki Beti Humari Beti' - with an aim to combat the problem of declining child sex ratio in the state. Sukanya Samriddhi Accounts - i. Rate of interest 9.1% Per Annum(2014-15),calculated on yearly basis ,Yearly compounded. ii. Minimum INR. 1000/-and Maximum INR. 1,50,000/- in a financial year. Subsequent deposit in multiple of INR 100/- Deposits can be made in lump-sum No limit on number of deposits either in a month or in a Financial year iii. Account can be opened up to age of 10 years only from the date of birth. iv. If minimum Rs 1000/- is not deposited in a financial year, account will become discontinued and can be revived with a penalty of Rs 50/- per year with minimum amount required for deposit for that year. v. Partial withdrawal, maximum up to 50% of balance standing at the end of the preceding financial year can be taken after Account holder’s attaining age of 18 years. vi. Account can be closed after completion of 21 years.

4. Amrut Mahotsav - The year 2022, 75th year of Independence Vision for “Team India” led by PM

i. Basic facility of 24x7 power, clean drinking water, a toilet and road connectivity. ii. Housing for all - 2 crore houses in Urban areas and 4 crore houses in Rural areas. iii. At least one member has access to means for livelihood. iv. Substantial reduction in poverty. v. Electrification of the remaining 20,000 villages including off-grid Solar Power- by 2020. vi. Connecting each of the 1,78,000 un-connected habitation. vii. Providing medical services in each village and city. viii. Ensure a Senior Secondary School within 5 km reach of every child, while improving quality of education and learning outcomes. ix. To strengthen rural economy - increase irrigated area, improve the efficiency of existing irrigation systems, and ensure value addition and reasonable price for farm produce. x. Ensure communication connectivity to all villages. xi. To make India, the manufacturing hub of the World through Skill India and the Make in India Programmes. xii. Encourage and grow the spirit of entrepreneurship - to turn youth into job creators. xiii. Development of Eastern and North Eastern regions on par with the rest of the country.

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5. Union Ministry of Health and Family Welfare launched Mission Indradhanush i. Under Mission Indradhanush, four special vaccination campaigns will be conducted between January and June 2015 with intensive planning and monitoring of these campaigns. ii. 201 districts will be covered in the first phase of the mission, 297 districts will be targeted for the second phase in the year 2015. iii. Out of the 201 districts, 82 districts are in just four states of UP, Bihar, Madhya Pradesh and Rajasthan and nearly 25 percent of the unvaccinated or partially vaccinated children of India are in these 82 districts of 4 states. iv. The Ministry will be technically supported by WHO, UNICEF, Rotary International and other donor partners. v. Mass media, interpersonal communication, and sturdy mechanisms of monitoring and evaluating the scheme are crucial components of Mission.

6. Govt launches Digital India initiatives on Good Governance Day ‹ To mark the Good Governance Day, Telecom Minister Ravi Shankar Prasad announced 21 schemes including one-month rental free MTNL broadband and landline combo plans on new bookings. ‹ Key projects include time stamping of digital signature, Integrated Indian Languages Virtual Keyboard for Android, PARAM Shavak (Super computer in box solution), .bharat domain in Gujarati and Bangla, e-launch of Support International Patent Protection in Electronics & IT scheme (SIP-EIT). ‹ Another launch was that of C-DOT's solution MAX-NG, a cost effective and smooth migration path to Internet Protocol Multimedia Systems (IMS). ‹ Department of Electronics and IT (DeitY) also launched Gyansetu, which is an Internet based real time ICT system to provide eServices to the rural population and e-Governance Competency Framework (e-GCF). DeitY has also taken various initiatives like MyGov, Aadhaar-enabled Biometric attendance system, Jeevan Pramaan, eGreetings, eSampark, National Digital Literacy Mission, eGovernance Competency Framework to promote good governance. More about Gyan Setu Project – I. Electronics Corporation of India Limited (ECIL) has signed a Memorandum of Understanding with the Centre for Development of Telematics (C-DOT) . II. GYAN SETU helps the rural masses with low literacy level and has exposure only to local language, in getting connected to the internet through a power optimized rugged platform for highly visual based e-services. 7. Deendayal Upadhyaya Gram Jyoti Yojana: Government approved Rs 43,033-crore rural electrification scheme Deendayal Upadhyaya Gram Jyoti Yojana. Note: The scheme will replace the existing Rajiv Gandhi Grameen Vidyutikaran Yojana (RGGVY). ii. The scheme is likely to work towards improvement in hours of power supply in rural areas, reduction in peak load, improvement in billed energy based on metered consumption and providing access to electricity to rural households. 8. Union Government launched the nationwide Bal Swachhta Mission:

About Bal Swachhta Mission i. The Bal Swachhta Mission is a part of the nationwide sanitation initiative of Swachh Bharat Mission that was launched by the Prime Minister on 2 October 2014. The nationwide Bal Swachhta Mission will have the following six themes: 1. Clean Anganwadis 2. Clean Surroundings like Playgrounds

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3. Clean Self (Personal Hygiene/Child Health) 4. Clean Food 5. Clean Drinking Water 6. Clean Toilets 9. PM launches Jeevan Pramaan - Digital Life Certificate for Pensioners an "Aadhar-based Digital Life Certificate" for pensioners, 10. PM launches Pt Deendayal Upadhyay Shramev Jayate programme to ensure labour reforms and also to ensure transparency in the labour sector. Under the scheme, the following new initiatives are provided: • Labours will be provided Unique Labour Identification number, Local Interconnect Network, to facilitate their online registration. • Unified Labour Portal (Shram Suvidha) and a Transparent & Accountable Labour Inspection Scheme to facilitate ease of compliance http://efilelaboutreturn.gov.in to facilitate ease of compliance especially for four Central Government Organizations i.e. ESIC, EPFO, DGMS and CLC. • Demand Responsive Vocational Training • Apprentice Protsahan Yojana • Portability through Universal Account Number for Employees’ Provident Fund Account Holders • Implementation of Revamped Rashtriya Swasthya Bima Yojana (RSBY) for the workers in the unorganized sector Note: Launching another initiative called Labour Inspection Scheme to abolish inspector raj, A computerized list of inspections will be generated randomly for labour inspectors. It will be mandatory for them to upload inspection reports within 72 hours. 11. Prime Minister launches Saansad Adarsh Gram Yojana an ambitious village development project under which each MP will take the responsibility of developing physical and institutional infrastructure in three villages by 2019. Note: Under this yojana around 2,500 villages to be developed as Adarsh Gram 12. Swachh Bharat Mission (Ek Kadam Swachhata Ki Aur) launched on Oct 2: The concept of Swachh Bharat is to pave access for every person to sanitation facilities including toilets, solid and liquid waste disposal systems, village cleanliness and safe and adequate drinking water supply. Important Points: 1. The Mission aims at fulfilling the dream of clean India of Mahatma Gandhi by his 150th birth anniversary in 2019. 2. Logo – created by Shri Anant Khasbardar of Kolhapur, Maharashtra has won the Logo design contest 3. The Tagline “Ek Kadam Swachhata Ki Aur” was given by Ms.Bhagyasri Sheth of Rajkot, Gujarat emerged successful in the contest for Tagline for the Logo. 4. PM Narendra Modi appointed bollywood actor Aamri Khan as the Brand Ambassador of the Swachh Bharat Mission 5. Prime Minister roped 9 celebrities including cricket icon Sachin Tendulkar, Congress leader Shashi Tharoor, industrialist Anil Ambani, Salman Khan, Priyanka Chopra and Kamal Haasan, Goa governor Mridula Sinha, yoga guru Ramdev and the team of TV serial "Tarak Mehta Ka Ulta Chashma". 13. Prime Minister launches 'Make in India' global initiative with an aim to boost India`s manufacturing sector. 14. Union Government launched Deen Dayal Upadhyaya Antyodaya Yojana for urban and rural poor Note: i. Deen Dayal Upadhyaya Antyodaya Yojana has two components one for urban India and other for rural India. ii. The Urban componen t will be implemented by the Union Ministry of Housing & Urban Poverty Alleviation iii. Rural component named as Deen Dayal Upadhyaya Grameen Kaushalya Yojana will be implemented by the Union Ministry of Rural Development. Main Highlights of the Urban Scheme i. Imparting skills with an expenditure of 15000 rupees to 18000 rupees on each urban poor ii. Enabling urban poor form Self-Help Groups for meeting financial and social needs with a support of 10000 rupees per each group who would in turn would be helped with bank linkages. Main Poins of the Rural Scheme i. The Yojana aims at training 10 lakh (1 million) rural youths for jobs in three years, that is, by 2017. ii. The minimum age for entry under the Yojana is 15 years compared to 18 years under the Aajeevika Skills Programme. iii. The skills imparted under the Yojana will now be benchmarked against international standards and will

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complement the Prime Minister’s Make In India campaign. 15. Union Ministry of Science & Technology announces “ KIRAN ”( Knowledge, Involvement, Research, Advancement through Nurturing) scheme for Women Scientists Objectives:- i. To increase the number of women researchers in India. ii. Provide Research grants particularly to those female researchers and technologists who had to take a break in career owing to household reasons. iii . Bring about, as far as achievable, gender parity in the field of science and technology. 16. Government will soon launch Universal Health Assurance Mission to provide affordable health services to people. Under the mission about 50 essential drugs with a diagnostic package and 30 AYUSH drugs will be made available to all citizens at government hospitals and health centers across the country. 17. Bhamashah Financial Empowerment Scheme – Government of Rajasthan The Government of Rajasthan has embarked upon Bhamashah Financial Empowerment Scheme , (BFES) whereby the Government will deposit Rs.1500/- into the savings accounts of 50 lakh rural families belonging to Below Poverty Line (BPL) 18. Rashtriya Swasthya Bima Yojana : RSBY started rolling from 1st April 2008. Note: i. RSBY has been launched by Ministry of Labour and Employment, Government of India to provide health insurance coverage for Below Poverty Line (BPL) families. ii . The objective of RSBY is to provide protection to BPL households from financial liabilities arising out of health shocks that involve hospitalization. iii . Beneficiaries under RSBY are entitled to hospitalization coverage up to Rs. 30,000 /- for most of the diseases that require hospitalization. 19. National Pension System -: Government of India established Pension Fund Regulatory and Development Authority (PFRDA)- External website that opens in a new window on 10 th October, 2003 to develop and regulate pension sector in the country. The National Pension System (NPS) was launched on 1st January, 2004 with the objective of providing retirement income to all the citizens. Note: i. Under Swavalamban Scheme- External website that opens in a new window, the government will contribute a sum of Rs. 1,000 to each eligible NPS subscriber who contributes a minimum of Rs. 1,000 and maximum Rs. 12,000 per annum. This scheme is presently applicable upto F.Y.2016-17. ii. The subscriber will be allotted a unique Permanent Retirement Account Number (PRAN). This unique account number will remain the same for the rest of subscriber's life. This unique PRAN can be used from any location in India. 20. Aajeevika - National Rural Livelihoods Mission (NRLM) was launched by the Ministry of Rural Development (MoRD), Government of India in June 2011. The basic idea behind this programme is to organize the poor into SHG (Self Help Groups) groups and make them capable for self-employment. 21. Indira Awas Yojan: It is one of the major flagship programs of the Rural Development Ministry to construct houses for BPL population in the villages Note: i. The financial assistance provided for new construction in the form of full grant is Rs.70,000/- per unit for plain areas & Rs.75,000/- for hilly/difficult areas. ii. Further, an IAY beneficiary can avail top-up loan upto Rs 20,000/- under the Differential Rate of Interest (DRI Scheme) from any Nationalized Bank at an interest rate of 4% per annum. 22. Govt re-launches Varishtha Pension Bima Yojana: The government has re-launched the Varishtha Pension Bima Yojana, for the benefit of citizens aged 60 years and above. Note: It will provide monthly pension ranging from 500 to 5,000 rupees per month to senior citizens of the country. ii. The Scheme will be administrated by the Life Insurance Corporation, LIC. 23. National rural scheme on PPP model launched: Rural Development Minister Nitin Gadkari launched the Shyama Prasad Mukherjee National Rural Mission on PPP model with an allocation of 100 crore rupees. Note: The scheme will be initially available in three districts of the country on pilot basis. The districts are Warangal in Andhra Pradesh and two districts in Maharashtra. ii. The scheme is intended to stop migration from rural areas to cities. The government wants to create infrastructure in villages so that people can get employment there and do not migrate to cities.

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Awards & Honours

1. The 57th Annual Grammy Awards were held on 8 February 2015 at the Staples Center in Los Angeles, California. In all, 83 Grammy Awards were presented at the function. List of Top Grammy Awards -

Category Album Artist Best album of the year Morning Phase Beck Hansen Best record of the year Stay With Me Sam Smith Best song of the year Stay With Me James Napier, William Phillips & Sam Smith Children’s Album I Am Malala: How Neela Vaswani One Girl Stood Up For Education And Changed The World (Malala Yousafzai) Best New Age Album Winds of Samsara Ricky Kej & Wouter Kellerman

2. Awards related to Cinema – Indian and International –

CATEGORY NATIONAL AWARDS FILMFARE AWARDS OSCAR Best Picture Queen Queen Birdman Best Director Chotushkone (Bengali) Vikas Bahl Alejandro Gonzalez Inarritu for Srijit Mukherji Birdman Best Actor Nanu Avanalla Avalu Shahid Kapur Eddie Redmayne for The Theory of (Kannada) Vijay Everything Best Actress Kangana Ranaut Kangana Ranaut Julianne Moore for Still Alice Best Supporting Actor Jigarthanda (Tamil) Kay Kay Menon JK Simmons for Whiplash Bobby Simhaa Best Supporting Actress Baljinder Kaur Pagdi The Tabu Patricia Arquette for Boyhood Honour (Haryanavi) Best Foreign Language Film NA NA Ida directed by Pawel Pawlikowski Best Animated Short Film NA NA Feast directed by Patrick Osborne and Kristina Reed Best Animated Movie NA NA Big Hero Six 6 Best Documentary Feature NA NA Citizen Four directed by Laura Poitras Filmfare Lifetime NA Kamini Khaushal NA Achievement Awards Best Film (Critics) Tanul Thakur Ankhon Dekhi NA

Best Male (Critics) NA Sanjay Mishra NA Best Female Actor (Critics) NA Alia Bhatt NA Best Director Debut NA Abhishek Varman NA Best Actor Debut (Male) NA Fawad Khan NA Best Actor Debut (Female) NA Kirti Sanon NA

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Best Music Director Haider Shankar Ehsaan Loy NA Best Lyrics NA Rashmi Singh for song NA Muskurane ki wajah of film CityLights Best Playback (Male) Haider (Hindi) Ankit Tiwari NA ,Sukhwinder Singh (Song: Bismil) Best Playback (Female) Saivam (Tamil) Kanika Kapoor NA Uttara Unnikrishanan (Song: Azhagu) Best Feature Film Court NA NA Best Popular Film Providing Mary Kom (Hindi) NA NA Wholesome Entertainment Best Choreography Haider (Hindi) (Bismil) NA NA

Note – NA denotes that the awards are not presented in this category.

3. The President's Office conferred the Bharat Ratna award to Pandit Madan Mohan Malaviya (posthumously) and former Prime Minister Atal Bihari Vajpayee . 4. Poet Arundhathi Subramaniam won the inaugural Khushwant Singh Memorial Prize for Poetry for her work When God is a Traveller. 5. Major Mukund Varadarajan, Naik Neeraj Kumar Singh posthumously awarded with Ashok Chakra 6. Rajendra Singh named as the 2015 Stockholm Water Prize Laureate 7. Miss Colombia Paulina Vega - crowned Miss Universe, beating out first runner-up Miss USA Nia Sanchez and contestants from more than 80 other countries. 8. WEF names Smriti Irani as Young Global Leader from India 9. Harvard University retains top position in Times’ World Reputation Rankings 2015 Top 3 Universities in World Reputation Rankings 2015 are: I. Harvard University (US). II. University of Cambridge (UK). III. University of Oxford (UK). 10. Prime Minister Narendra Modi named among 30 most influential people on internet: Time Magazine 11. Savitri Jindal among five Indian women on Forbes billionaires list 12. Rani Mukerji - awarded by National Institute of Gender Justice for representing the cause of women. 13. Rahul Jindal – The Indian-American physician selected for Fulbright Nehru Distinguished Chair 14. Niloofar Rahmani, Nadia Sharmeen and Tabassum Adnan - selected for International Women of Courage Award - Shashi Kapoor conferred Dadasaheb Phalke Award for 2014. 15. Economist and Nobel laureate Amartya Sen has won the newly instituted Charleston-EFG John Maynard Keynes Prize. 16. Madhya Pradesh gets national award for excellent work in MGNREGA i. Madhya Pradesh has been awarded the 10th national award for excellent work in Mahatma Gandhi National Rural Employment Guarantee Act-MGNREGA. ii. 74 percent construction of permanent assets has been done through MGNREGA in the state. 17. TVS Chairman Venu Srinivasan conferred honorary citizenship of Busan,Korea for his efforts to enhance friendship and cooperation between India and Republic of Korea. 18. Veteran Pakistan-born poetess Imtiaz Dharker awarded with the Queen’s Gold Medal for Poetry 2014 for her latest poetry collection Over the Moon. 19. ‘The Lunchbox’ honoured by Toronto film critics at 18th annual Toronto Film Critics Association (TFCA) awards in Toronto.

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20. Tata Steel chosen among 100 most valuable brands in 2014 by World Consulting & Research Corporation (WCRC). 21. PETA India names ex-SC judge KS Radhakrishnan ‘Man of the Year’.And Bollywood actress Jacqueline Fernandez named as ‘Woman of the Year’.Justice Radhakrishnan headed a bench that passed a landmark judgement in favour of PETA India and the Animal Welfare Board of India, clarifying that bulls must not be used in jallikattu, bull races. 22. Xu Youyu ,Pro-democracy activist, of China won Olof Palme Human Rights Prize for the year 2014 for his strong-principled work for democracy, social justice, human rights and freedom of speech which has universal meaning.The award given annually by the Stockholm- based Olof Palme Memorial Fund of Sweden. 23. Modi wins TIME readers’ poll for ‘Person of the Year’. 24. Narndra Modi named 'Asian of the Year' by Singapore's Straits Time. 25. Canara Bank has been conferred with the Niryat Bandhu Silver Trophy in the in the banks category for its support services rendered for promotion of exports. 26. Entrepreneur of the Year - Dhiraj Rajaram and Chandra Shekhar Ghosh The award was sponsored by Standard Chartered Bank. Since 2012, Standard Chartered Bank has been the presenting sponsor of The Economic Times Awards for Corporate Excellence. 27. Russian film “Leviathan” by Andrey Zvyagintsev won the best film award comprising Golden Peacock and Rs.40 lakh at the 45th International film Festival of India. ii. Mr. Alexey Serebryakov from the “Leviathan” also shared the best male actor award in the Cimena of the World competition. 28. Trilochan Sastry, Professor in Quantitative Methods and Information Systems, Indian Institute of Management Bangalore (IIMB), has been awarded the 11 th ‘Bharat Asmita’, an honour instituted by the Pune-based MIT group of institutions. 29. Sarbananda Sonowal the 2010 Commonwealth Games gold-medalist, was bestowed with the honour in a function organised in the National capital. 30. United Nations (UN) Women announced the appointment of Indian tennis superstar and youth icon, Sania Mirza , as its Goodwill Ambassador for South Asia. The organisation is dedicated to gender equality and women’s empowerment.She became the first South Asian woman to be appointed as a Goodwill Ambassador. 31. Aaranyak , an Assam-based NGO working for the conservation of nature and a Kathmandu-based International Centre for Integrated Mountain Development (ICIMOD) won United Nations Lighthouse Activities award for the year 2014. 32. Lahore-based author Bilal Tanweer on 24 November 2014 won the 2014 Shakti Bhatt First Book Prize for his novel The Scatter Here Is Too Great (Random House India ). 33. Indira Gandhi prize for peace, disarmament for 2014: Indian space agency ISRO conferred the Indira Gandhi Prize for Peace, Disarmament and Development for 2014 in recognition of its contribution in strengthening international cooperation in peaceful use of outer space. 34. Rubber Board wins Indira Gandhi Rajbhasha Award: The Department of Official Language under Ministry of Home Affairs has selected Rubber Board for the Indira Gandhi Rajbhasha Award (First Prize) for excellence in the implementation of the official language policy for the year 2013-14. 35. Raghuram Rajan conferred Euromoney's Central Bank Governor of Year Award

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Resign/Retired

1. Sujatha Singh was ousted by the Indian government as the arrest of Matang Sinh, former minister of state in the foreign secretary of India. the Prime Minister's Office, in the Saradha scam.

2. Union Minister Dadarao Danve resigns 6. Isro chairperson K Radhakrishnan retires - 3. Lalit Modi removed from Rajasthan Cricket Association Spearheading Indian Space Research Organisation 4. Jeetan Ram Manjhi resigned as the chief minister of triumphantly through several milestones.

Bihar. 7. Indian Hockey coach Terry Walsh quits

5. Anil Goswami - removed from the post of home 8. Leela Samson resigned as Sangeet Natak Akademi secretary. chairperson Note - Goswami was also summoned for an explanation on why he tried to intervene and prevent

Books & Their Authors

1. Pakistan's Ex-Foreign Minister Khurshid M Kasuri 16. “A Man and a Motorcycle, How Hamid Karzai Came penned ' Neither a Hawk nor a Dove ' to Power”: written by Bette Dam 2. Former Lok Sabha Speaker Meira Kumar ’s book 17. And Then One Day: Naseeruddin Shah's entitled “ Indian Parliamentary Diplomacy – autobiography Speaker’s Perspective ” was released. 18. God of Antarctica written by Yashwardhan Shukla: 3. PM Narendra Modi launched Born Again on the 19. “One Life is Not Enough” : written by Kunwar Natwar Mountain by Arunima Sinha Singh 4. Prince of Gujarat: The Extraordinary Story of Note: The book is an autobiography of the former External Affairs Minister and senior Congress Party Prince Gopaldas Desai released authored by leader Natwar Singh. Rajmohan Gandhi. 20. A book “Munger through the Ages” authored by late

5. Rajdeep Sardesai penned the book titled 2014: The Devendra Prasad Yada v Election That Changed. 21. The Lives of Others” a novel written by: Neel 6. Book titled Letters for a Nation written by Mukherjee Jawaharlal Nehru & Madhav Khosla was published Note: Novel is short listed for the prestigious Man by Allen Lane an imprint of Penguin Books . Booker Prize 2014. 22. The Substance and the Shadow: written by Uday Tara 7. Next China-India War - World's First Water War – Nayar, a former journalist. authored by General S. Padmanabhan released. Note : The Substance and the Shadow, the biography of 8. The book titled Black Tornado: The Three Sieges of 91-year-old actor Dilip Kumar . Mumbai 26/11 authored by Sandeep Unnithan. 23. Blood Feud written by Edward Klein 9. President of India Pranab Mukherjee penned a book 24. A Bad Character: authored by Deepti Kapoor.

titled The Dramatic Decade: The Indira Gandhi 25. The Good, the Bad and the Ridiculous - Khuswant Years .published by Rupa. Singh 26. Train To Pakistan - Khuswant Singh 10. Biography My Name is Abu Salem released written 27. An Uncertain Glory: India and its Contradictions - Jean by S Hussain Zaidi and published by Penguin. Dreze and Amartya Sen. 11. 'Playing it My Way': Author - Sachin Tendulkar & 28. A Brush with Life- Satish Gujral Boria Majumdar 29. A Bend in the river- V.S. Naipaul Note: Playing It My Way is the autobiography of 30. God of Small things- Arundhati Rai

former Indian cricketer Sachin Tendulkar. 31. Inheritance of Loss- Kiran Desai.

32. Joseph Anton- Sulman Rushdie (Autobiography) 12. “Half Girlfriend ” - written by Chetan Bhagat 33. “Khushwantnama-The Lessons of My Life “ – 13. “The Narrow Road to the Deep North” authored by Khushwant singh Richard Flanagan 34. Lajja- Taslima Nasrim. 14. “Untold Story of Indian Public Sector ” - authored by 35. My Unforgettable Memories-Mamata Banerjee Dr UD Choubey, 36. My Years with Rajiv and Sonia written by R.D.Pradhan 15. “Final Test: Exit Sachin Tendulkar ” authored by Dilip 37. ModiNomics: Inclusive Economics, Inclusive D’Souza Governance: authored by Sameer Kochhar. 38. Crusader or Conspirator? Coalgate and other Truths authored by PC Parakh www.bankersadda.com | www.careerpower.in | www.careeradda.co.in 27

39. The Accidental Prime Minister: The Making and Baru Unmaking of Manmohan Singh authored by Dr. Sanjaya

Leader’s visited India/World

1. Bangladesh President Abdul Hamid arrives in Kolkata on a six-day official visit during which he held talks with the Indian leadership with an aim to further strengthen the already close bilateral relations between the two countries. 2. Tamim bin Hamad Al Thani emir of Qatar visited India from March 24-25, 2015 3. Maithripala Sirisena, President of Sri Lanka visited India February 15-18, 2015 Significance - First foreign visit of the Sri lankan President after taking office on 9 January 2015 4. Nguyen Tan Dung: Vietnam Prime Minister visited India 5. US president Barack Obama visited India in the late January. 6. Mark Zuckerberg: Facebook founder visited India 7. Amazon founder Jeff Bezos visited India. 8. Frank Walter: Foreign Minister of Germany visited India 9. Australian PM Tony Abbott to visited India 10. Chinese President Xi Jinping visited India 11. President of India Pranab Mukherjee visited Vietnam 12. Sushma Swaraj visited Bahrain 13. Sushma Swaraj visited Nepal OBITUARY

1. Former Australian PM Malcolm Fraser has died aged 7. Pioneer of home video game console Ralph Henry 84. Baer died 2. Singapore founding father Lee Kuan Yew dead 8. Veteran Journalist Piratla Venkateswarlu passed 3. Sh. Jaswant Singh Rajput - Two-time gold medal away winning hockey Olympian passed away. 9. Hockey Olympian Grihanandan Singh died 4. Sh. Rasipuram Laxman - Eminent cartoonist, 10. Carnatic vocalist Nedanuri Krishnamurthy died illustrator and humorist R.K.Laxman passed away in 11. Justice Krishna Iyer passes away. Pune. (Uncommon Man is the popular character 12. Veteran music critic SV Krishnamurthy passed created by Mr. Laxman. away. 5. Saudi King Abdullah passes away was the powerful 13. Senior Congress leader, former Maharashtra Chief U.S. ally who joined Washington’s fight against al- Minister, A R Antulay passed. Qaeda, has died, He was 90. 14. Crime novelist PD James died at the age of 94. 6. Charles Townes died - Townes shared the 1964 15. Historian Tapan Raychaudhuri died. Nobel Prize in physics with Russian physicists Aleksandr M. Prokhorov and Nicolai G. Basov for the 16. Legendary Kathak danseuse Sitara Devi died

invention of the Laser 17. Warren Anderson , wanted in Bhopal gas tragedy, dies.

Sports News Chess -

V Viswanathan Anand beats Micheal Adams to win London Classic.

Tennis:

V Australian Open - i. Novak Djokovic won his fifth Australian Open crown, beating Andy Murray. ii. Serena Williams defeated Maria Sharapova 6 – 0, 7 – 6 to win the Australian open. iii. Leander Paes and Martina Hingis won their first major outing as a pairing and defeated the third seeds, France’s Kristina Mladenovic and Canadian Daniel Nester, 6-4, 6-3.

V BNP Paribas Open – i. Men's Singles - Novak Djokovic defeated Roger Federer, 6–3, 6–7(5–7), 6–2

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ii. Women's Singles - Simona Halep defeated Jelena Janković, 2–6, 7–5, 6–4 iii. Men's doubles iv. Vasek Pospisil / Jack Sock defeated Simone Bolelli / Fabio Fognini, 6–4, 6–7(3–7), [10–7] v. Women's doubles vi. Martina Hingis / Sania Mirza defeated Russia Ekaterina Makarova / Russia Elena Vesnina, 6–3, 6–4

HOCKEY 2015 Hockey India League: ‹ Ranchi Rays defeated Jaypee punjab Warriors 2;2(3;2 in penalty shoot out) ‹ Most Goals were done by Ashley Jackson (11)

Women’s Hockey World League ‹ India won the final of the Hero women’s Hockey World League Round 2 with a margin of 3-1 against Poland at the Major Dhyan Chand National Stadium.

CRICKET CRICKET WORLD CUP 2015 ‹ Australia defeated Newzealand in the finals of the cricket world cup 2015 by 7 wickets. ‹ The finals were played at the Melbourne cricket ground. ‹ Australia defeated India and Newzealand defeated South Africa respectively in the Semi finals of the world cup. ‹ Most Runs – Martin Guptill (New Zealand) 547 runs. ‹ Most wickets – Mitchell Starc (Australia) 22 wickets and Trent Boult (Newzealand) 22 wickets. ‹ Man of the tournament – Mitchell Starc (Australia) ‹ Man of the finals – James Faulkner (Australia)

‹ Karnataka clinch eighth Ranji Trophy title. They defeated Tamil Nadu to retain the Ranji Trophy. ‹ East Zone lifts Deodhar Trophy cricket tournament, beating West Zone by 24 runs at the Wankhede Stadium in Mumbai . ‹ Martin Guptill double ton powers New Zealand to massive win over West Indies. Earlier in the same tournament Chris Gayle scored a mammoth 215 aginst West Indies. ‹ Steven Finn completed the hat trick against Australia while J P Duminy took the other hat trick of this world cup against Sri Lanka. ‹ West Indies all-rounder Dwayne Bravo has announced his retirement from Test cricket. ‹ ICC ends Amir’s ban - In a major breakthrough, the ICC has allowed Pakistan fast bowler Mohammad Amir to return to domestic cricket early from his five-year ban for involvement in spot-fixing. ‹ Australian cricketer Sean Abbott won Bradman young cricketer of the year award 2015. ‹ Mahela Jayawardene and Kumar Sangakkara bid adieu to ODI cricket ‹ Pakistani cricketers Misbah-ul-Haq, Shaid Afridi retired from ODI cricket

ICC World Cup Cricket Venue: ODI: (One day International): 1. Australia & New Zealand: 2015 . 2. England - 2019 3. India - 2023

V T20: 2. India -2016 3. Australia - 202 0

V Test: 1. England– 2017 (for first time). 2. India - 2021.

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BADMINTON

‹ Saina Nehwal won Indian Open Series in New Delhi. K Srikanth won in the men’s section. ‹ Saina Nehwal became the number 1 in the women’s badminton circuit. ‹ All England Badminton Championship: Saina Nehwal loses to Carolina Marin in the Finals. ‹ Saina Nehwal rises to 2nd, Kashyap in top-10 of BWF rankings ‹ Srikanth wins Swiss Grand Prix Gold championship after overcoming a strong challenge from Viktor Axelson in a hard- fought men’s singles final. ‹ PV Sindhu bagged the Macau Open Grand Prix Gold Badminton title for the second consecutive time defeated Korean Kim Hyo Min.

V FIFA (Football) World Cup venue: - RQ 1. 2018 : Russia 2. 2022: Qatar V Commonwealth Games venues: 1. 2014 – Glasgow (Scotland). 2. 2018 – Gold Coast (Australia).

V Olympics Games venues: 1. 2014 winter: Sochi (Russia) – Russia tops in the medal tally in 2014 winter Olympic games. 2. 2016 Summer: Rio de Janeiro (Brazil) 3. 2018 winter: Pyeongchang (South Korea) 4. 2020 summer: Tokyo (Japan)

OTHERS SPORTS NEWS: 1. Services win fourth Santosh Trophy title after edging out hosts Punjab 5-4 via tie-breaker in a nail-biting summit clash at Guru Nanak Stadium in Ludhiana 2. France win record fifth world handball title i. France has became the first team in handball history to win five World Championships. ii. In the finals, they defeated hosts and surprised finalists Qatar. 3. National Games mascot Ammu, the Great Hornbill, has immortalised itself by finding a mention in the Limca Book of Records. The Great Indian Hornbill, had been staged in 147 schools. 4. Mascot for the 2016 European football championship named Super Victor .The name for the cartoon character boy dressed as a footballer in blue and white with a red cape and number 16 jersey was preferred to Driblou and Goalix . Euro 2016 will take place in France from 10 June 2016 to 10 July 2016. 5. Ms Deborah, a tribal girl from Andaman and Nicobar Islands has created history in National Level by winning four Gold Medals in the Track Asia Cup Cycling Championship 2014 which concluded at Indira Gandhi Stadium, New Delhi. 6. Michael Phelps was crowned Male Athlete of the Year at the 2014 USA Swimming Golden Goggle Awards. He was crowned with the title for a fifth time.Earlier, he won the title in 2004, 2007, 2008 and 2012. He was awarded with the title despite being suspended from competition for six months after a drunken driving arrest in September 2014. 7. International Olympic Committee (IOA) President Thomas Bach has welcomed the U.S. decision to bid for the 2024 Games.

News Related To Defence & Technology 1. INCOIS launches app for fishermen - The app is developed by the Hyderabad-based Indian National Centre for Ocean Information Services (INCOIS) Marine Fishery Advisory Services team 2. India’s indigenously developed Beyond Visual Range (BVR) air-to-air missile Astra was successfully tested from a Sukhoi- 30 fighter aircraft. 3. HAL completed integration of BrahMos thermonuclear cruise missile with Sukhoi-30MKI after over two years of work, modifying the Russian-made aircraft. 4. NASA launches Earth-observing satellite to track the amount of water locked in soil, which may help residents in low-lying regions brace for floods or farmers get ready for drought conditions. ii. A Delta 2 rocket carrying Soil Moisture Active Passive (SMAP) satellite was launched from Vandenberg Air Force Base on California’s central coast.

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5. India successfully test-fired its indigenously developed, intercontinental surface-to-surface nuclear capable ballistic missile Agni-5, which has a strike range of over 5000 kms and can carry a nuclear warhead of over one tonne, from Wheeler’s Island off Odisha Note - About AGNI Series - India has at present in its armoury of Agni series, Agni-1 with 700 km range, Agni-2 with 2000 km range, Agni-3 and Agni- 4 with 2500 km to more than 3500 range. After a few more trials, Agni-5 will be inducted into the services. 6. SpaceX Falcon 9 rocket successfully launched from Florida i. Unmanned SpaceX Falcon 9 rocket has been successfully launched from Cape Canaveral Air Force Station, Florida on its third attempt. ii. It was carrying unmanned Deep Space Climate Observatory satellite. This satellite will be used by the US National Oceanic and Atmospheric Administration (NOAA) to monitor the Sun. 7. Indian Navy had conducted Humanitarian Assistance and Disaster relief (HADR) exercise in Lakshadweep Islands (Kavaratti, Aggatti, Kalpeni and Androth). HADR was Indian Navy’s large scale exercise to test its readiness for handling a tsunami like disasters. 8. Cisco Systems picks Visakhapatnam as first ‘smart city' i. Visakhapatnam will be the first city to be taken up for development as a ‘smart city’ by Cisco Systems, the global IT networking major and the implementing company. ii. Cisco has also evinced interest in working on disaster management technologies as the state is hit by at least two cyclones every year. 9. Microsoft unveils Windows 10 and ‘HoloLens’. i. Microsoft unveiled new version of Windows and a new wearable 3D gadget it calls the HoloLens. ii. Windows 10 will also come with a new Web browser that will be closely integrated with Cortana, the company’s voice-activated answer to Siri. 10. India’s communication satellite GSAT-16 launched from Kourou in French Guiana functioning normally . GSAT 16 has highest number of 48 transponders that will be used for television, telephone and internet applications. 11. Imaging and information technology solutions provider Ricoh India signed a deal worth Rs. 1,370 crore from Department of Posts to modernise post offices through automation. i. Under the project, Ricoh India will supply, install and maintain services of hardware, peripheral devices and operating system. ii.The primary goal of the Rural ICT project is to improve the quality of service, provide more value added services and achieve ‘financial inclusion’ of un-banked rural population. Note: “India Post is an iconic organisation in India, the largest such network in the world and playing a crucial role in the socio economic development of rural India, touching the lives of common man. 12. ISRO successfully launches GSLV Mark-III - ISRO successfully carries out human crew module experiment; module safely splashes down into Bay of Bengal off Andaman and Nicobar Islands.Also known as LVM3/CARE, this suborbital experimental mission was intended to test the vehicle performance during the critical atmospheric phase of its flight and this carried passive (non functional) cryogenic upper stage.

India's Mars mission successful on 1st attempt : India's first Mars orbiter successfully began a 400 million-km long journey to Mars, making it the first Asian country and the fourth in the world to undertake a mission to the red planet. Important Points. ‹ Dr. K. Radhakrishnan – ISRO Chairman ‹ Mylswamy Annadurai is the Director of Mar’s Mission. ‹ India's MOM is the cheapest inter-planetary mission, costing of Rs 450 Crore ($671 million) entered the Martian orbit on 24 September 2014. ‹ The Mars Orbiter Mission (MOM), also called Mangalyaan, is India’s first interplanetary mission to the planet Mars. ‹ India becomes the first country in the world to insert a spacecraft into the Martian orbit in its very first attempt.

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‹ Mars Orbiter Spacecraft, India's first interplanetary probe, was launched by PSLV-C25 on November 5, 2013 from Satish Dhawan Space Centre, Sriharikota. ‹ Indian Space Research Organisation (ISRO) becomes the fourth space agency to reach Mars after Roscosmos (Russia), NASA (USA) and ESA (European). ‹ The first Chinese mission to Mars, called Yinghuo-1, failed in 2011. ‹ The project was approved by the government of India on 3 August 2012 and costs Rs. 450 crores. ‹ MOM is the cheapest and lowest-cost inter-planetary mission ever to be undertaken in the world. It cost us all a mere Rs 4 per person

Missiles in use of Indian Army: V Prithvi I - 150km - Surface to – Surface short range ballistic missile. V Prithvi II - 350km V Prithvi III - 350km - 600km V Agni I - 700km -1250km Surface to – Surface short range ballistic missile. V Agni II - 2000km -3500km V Agni III - 3500km -5000km V Agni IV - 3000km -4000km V Agni V - 5500km -5800km V Agni VI - 8000km -3500km V Akash- 30 km

Headquarter of International Organisation

International Organizations Headquarters Agency) UNO (United Nations Org) New York OPEC (Organization of Petroleum Vienna UNICEF New York Exporting Countries) UNCTAD (United Nations Conference on Geneva Amnesty International London Trade & Development) Commonwealth of Nations London WHO (World Health Org) Geneva IMO (International Maritime London ILO (International Labour Org) Geneva Organization) WMO (World Meteorological Org) Geneva ICJ (International Court of Justice) The Hague World Intellectual Property Org Geneva FAO (Food and Agricultur al Rome International Standards Org. Geneva Organization) IMF (International Monetary Fund) Washington DC NATO (North Atlantic Treaty Brussels World Bank Washington DC Organization) UNESCO (United Nations Educational Paris Transparency International Berlin Scientific and Cultural Org) SAARC (South Asian Association for Kathmandu OECD (Org. for Economic Cooperation and Dev.) Paris Regional Coop.) UNIDO (United Nations Industrial Dev. Vienna ASEAN (Association of South East Asian Jakarta Org) Nations) IAEA (International Atomic Energy Vienna APEC (Asia Pacific E conomic Forum) Singapore Organization of Islamic Cooperation Jeddah

Thermal Power plants (TPS) in India: ‹ Mundra TPS, Kutch, Gujarat ‹ Anpara TPS – Uttar Pradesh ‹ Vindhyachal TPS, Singrauli, Madhya Pradesh ‹ Barauni TPP – Bihar ‹ Talcher Super TPS, Angul, Odisha ‹ Bellary TPP – Karnataka ‹ Sipat TPS, Bilaspur , Chhattisgarh ‹ Durgapur TPP – West Bengal ‹ Korba Super TPS, Chattisgarh ‹ Sikka TPS – Gujarat ‹ Rihand TPS, Sonebhadra, Uttar Pradesh ‹ Satpura TPS – Madhya Pradesh ‹ Jharsuguda TPS, Odisha ‹ Singrauli Super Thermal Power Station – UP ‹ Tiroda TPS, Maharashtra ‹ Wanakbori TPS - Gujarat

Nuclear power plants in India: www.bankersadda.com | www.careerpower.in | www.careeradda.co.in 32

• Narora atomic power plant - Narora, UP • Kaiga atomic power plant - Karnataka • Rajasthan atomic power plant: Rawatbhatta, Rajasthan • Kundankullam : in Tirunelveli district, Tamil Nadu (India (India & Candada) & Russia) • Tarapur atomic power plant – Maharashtra (India & US) • Jaitapur Nuclear Power Plant - Ratnagiri district in • Kakarpar atomic power plant - Gujarat Maharashtra (India & France) • Madras atomic power plant - Tamilnadu Largest Dams in India:

V Tehri Dam: on Bhagirathi River, Uttarakhand V Cheruthoni (Eb) Dam: on Cheruthoni, Kerala V Lakhwar Dam on Yamuna river, Uttrakhand V Hirakud Dam: on Mahanadi River, Orissa V Iduuki Arch Dam – on Periyar river, Kerala V Nagarjuna sagar Dam: on Krishna River, Andhra Pradesh V Koyna Dam – on Koyana river, Maharshtra V Indira SagarDam: on Narmada River, Madhya Pradesh V Bhakra nangal Dam: on Sutlej River, Punjab and Himachal V Ukai Dam: on Tapi river, Gujarat Pradesh. V Maithon Dam: on Barakar river, Jharkhand V Sardar Sarovar Dam: on Narmada River, Gujarat V Krishnarajsagar Dam: on kaveri river, Karnataka V Srisailam dam: on Krishna River, Andhra Pradesh V Mettur Dam: on Kaveri River, Salem district in Tamil V Ranjit Sagar Dam: on Rav river, Punjab Nadu V Baglihar Dam: on Chenab river , J& K V Tungabhadra Dam – on Tungabhadra rive, Karnataka

Folk dances in India V Changu: Odissa and Andhra Pradesh V Lavani: Maharashtra V Gair: Rajasthan. V Odissi: Orissa V Garba, Dandiya Rass : Gujarat V Rauf – Jammu & Kashmir V Ghoomar: Rajasthan. V Nautanki, Thora, Chappeli, Raslila, Kajri - UP V Karagam: Tamil Nadu. V Dumhal: Kashmir.

Classical dances in India V Kathak: Uttar Pradesh. V Kathakali: Kerala. V Bihu: Assam V Chhau: Orissa, Bihar and West Bengal V Bharat Natyam: Tamil Nadu V Bhangra: Punjab. V Kuchipudi: Andhra Pradesh. V Khantumm - Mizoram

Important Wildlife Sanctuary in India

‹ Kaziranga Wildlife Sanctuary - Assam ‹ Ranthambore National Park & Wildlife Sanctuary - ‹ Manas Wildlife Sanctuary - Assam Rajasthan ‹ Gir National Park & Wildlife Sanctuary- Gujarat ‹ Bharatpur Bird Sanctuary - Rajastha n ‹ Sundarbans National Park - West Bengal ‹ Tal Chappar Wildlife Sanctuary - Rajasthan ‹ Periyar National Park and Wildlife Sanctuary – Kerala ‹ Sariska Wildlife Sanctuary - Rajasthan ‹ Kanha National Park - Madhya Pradesh ‹ Chilka Lake Bird Sanctuary – Odissa ‹ Bandhavgarh National Park - Madhya Pradesh ‹ Nandankanan Zoo – Odissa ‹ Corbett National Park - Uttrakhand

List of Chief Ministers of States in India State & Union Territor y : [Capital] Chief Minister Note Andhra Pradesh : [Hyderanbad] N. Chandrababu Naidu New Capital – Vijaywada propsed Arunachal Pradesh : [Itanagar] NabamTuki Assam : [Dispur] Tarun Gogoi Bihar : [Patna] Jitan Ram Manjhi Chhattisgarh : [Raipur] Raman Singh Delhi : [New Delhi] Presidential Rule Goa : [Panaji] Laxmikant Parsekar Replaced ManoharParrikar Gujarat : [Gandhinagar] Anandiben Patel First Female CM in Gujrat

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Haryana : [Chandigarh] Manohar Lal Khattar Himachal Pradesh : [Shimla ] Virbhadra Singh Jammu and Kashmir : [Srinagar (S)/Jammu (W)] Jharkhand : [Ranchi] Raghuvar Das Karnataka : [Bengaluru] Siddaramaiah Kerala : [Thiruvananthpuram] OommenChandy Madhya Pradesh : [Bhopal] Shivraj Singh Chouhan Maharashtra : [Mumbai] DevendraFadnavis Manipur : [Imphal] OkramIbobi Singh Meghalaya : [Shillong] MukulSangma Mizoram : [Aizawl] Lal Thanhawla Nagaland : [Kohima] T. R. Zeliang Odisha : [Bhubaneshwar] Naveen Patnaik Puduche rry : [Puducherry] N. Rangaswamy Punjab : [Chandigarh] Parkash Singh Badal Rajasthan : [Jaipur] VasundhraRaje Sikkim : [Gangtok] Pawan Kumar Chamling Tamil Nadu : [Chennai] O. Panneerselvam Telangana : [Hyderabad] K. Chandrashekar Rao Tri pura : Agartala] Manik Sarkar Uttar Pradesh : [Lucknow] Akhilesh Yadav Uttarakhand : [Dehradun] Harish Rawat New Governor – KK Paul West Bengal : [Kolkata] Mamata Banerjee

List of Vitamin Deficiency –

Vitamins Deficiency and Deficiency during pregnancy is Vitamin A Night -blin dness, Hyperkeratosis, and associated with Keratoma birth defects, such as neural tube defects Vitamin B 1 Beriberi, Wernicke -Korsakoff syndrome Vitamin Megaloblastic anemia Vitamin B 2 Ariboflavinosis, Glossitis, Angular stomatitis B12 Vitamin B 3 Pellagra Vitamin C Scurvy Vitamin B 5 Paresthesia Vitamin D Rickets and Osteomalacia Vitamin B 6 Anemia peripheral neuropathy. Vitamin E Deficiency is very rare; sterility in males Vitamin B 7 Dermatitis, enteritis and abortions in females, mild hemolytic Vitamin B 9 Megaloblastic anemia anemia in newborn infants. Vitamin K Bleeding diathesis

Stock Exchanges and their Index:

1. BSE ( Bombay Stock Exchange) - SENSEX ( Sensitive Street in Mumbai Index) - Sensex Consists of 30 companies - BSE is oldest stock exchange in Asia located at Dalai

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2. NSE (National Stock Exchange) - Nifty-50 7. Shenghai Stock Exchange( China)- Composite Index -NSE is the largest stock exchange in India 8. Shenzen Stock Exchange( China)- Composite Index -Nifty consists of 50 companies 9. German Stock Exchange- DAX ( Deutscher Aktein 3. NYSE ( Newyork Stock Exchange) - DJ ( Dow Jones) Index) - NYSE world's first and largest stock market 10. Hong Kong Stock Exchange- Hang Seng 4. NASDAQ ( National association of securities dealers 11. . SGX(Singapore Exchange)- STI ( Straits Times Index) Automated Quotation System)- NASD-100 12. LSE( London Stock exchange) or UK stock exchange- - NASDAQ is the first electronic stock market in the Footsie or FTSE-100 ( Financial Times and London world located in New York. Stock Exchange) 5. Tokyo Stock Exhange ( Japan) - Nikkei-225 13. France Stock Exchange - CAC-40 ( Cotation Assistee 6. Korea Stock Exchange( Seoul, South korea) – Kospi en Continuo)

LIST OF WORLD COUNTRIES , THEIR CAPITAL and CURRENCIES

Country Capital Currency Ringgit Kabul Afgani Maldives Male Rufiyaa Azerbaijan Baku Manat Mongolia Ulan-Bator Tugrik Bahrain Al-Manamah Bahraini Myanmar Yangon Kyat Dinar Nepal Kathmandu Nepalese Bangladesh Dhaka Taka Rupee Bhutan Thimphu Ngultrum Oman Muscat Rial Omani Brunei Bandar Seri Begawan Brunei Dollar Pakistan Islamabad Pakistani China Beijing Yuan Rupee Cyprus Nicosia Cypriot Philippines Manila Peso Pound Qatar Doha Qatari Riyal Cambodia Phnom Penh Riel Saudi Arabia Riyadh Riyal India New Delhi Indian Rupee Singapore Singapore Singapore Indonesia Jakarta Rupiah Dollar Iran Tehran Rial Sri Lanka Colombo Sri Lankan Iraq Baghdad Iraqi Dinar Rupee Israel Tele Aviv Shekel Syria Damascus Syrian Pound Japan Tokyo Yen Taiwan Taipei New Taiwan Jordan Amman Jordanian Dollar Dinar Tajikistan Dushanbe Tajik Rouble Kazakhstan Akmola Tenge Thailand Bangkok Baht Korea (North) Pyongyang Won Turkmenistan Ashgabat Turkmenista Korea (South) Seoul Won ni Manat Kuwait Kuwait City Kuwaiti United Arab Abu Dhabi UAE Dirham Dinar Emirates Kyrgyzstan Bishkek Kyrgyzstani Uzbekistan Tashkent Uzbekistani Som Som Lebanon Beirut Lebanese Vietnam Hanoi Dong Pound Yemen Sana Riyal Malaysia Kuala Lumpur Malaysian Austria Vienna Schilling,

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now Euro Russia Moscow Russian Azerbaijan Baku Manat Federation Belarus Minsk Rouble Rouble Belgium Brussels Belgian Scotland Edinburgh Pound Franc, now Sterling Euro Spain Madrid Peseta, now Bosnia & Sarajevo Dinar Euro Herzegovina Sweden Stockholm Swedish Bulgaria Sofia Lev Kroner Croatia Zagreb Kuna and Switzerland Berne Swiss Franc Croatian Tajikistan Dushanbe Tajik Rouble Dinar Ukraine Kiev Hryvna Cyprus Nicosia Cyprus Pound United Kingdom London Pound Czech Republic Prague Czech Koruna Sterling Denmark Copenhagen Danish Krone Uzbekistan Toshkent/Tashkent Uzbekistani Finland Helsinki Markka, now Som Euro Vatican City Vatican City Italian Lire France Paris French Franc, Yugoslavia Belgrade New Dinar now Euro Whales Cardiff Pound Germany Berlin Deutsche Sterling Mark, now Algeria Algiers Algerian Euro Dinar Greece Athens Drachma, Burkina Faso Ouagadougou Burkina Faso now Euro Franc Hungary Budapest Forint Burundi Bujumbura Burundi Iceland Reykjavik Icelandic Franc Krona Cameroon Yaoundé Franc Italy Rome Lire, now Congo Brazzaville Franc Euro Côte d'Ivoire Yamoussoukro Franc Latvia Riga Lat Egypt Cairo Egyptian Liechtenstein Vaduz Swiss Franc Pound Lithuania Vilnius Litas Ethiopia Addis Ababa Birr Luxemburg Luxemburg Luxemburg Ghana Accra Cedi Franc, now Guinea Conakry Guinea Franc Euro Kenya Nairobi Kenyan Monaco Monaco French Franc, Shilling now Euro Lesotho Maseru Loti Netherlands Amsterdam, The Dutch Liberia Monrovia Liberian Hague (political Guilder, now Dollar Capital) Euro Libya Tripoli Libyan Dinar Norway Oslo Norwegian Madagascar Antananarivo Malagasy Krone Franc Northern Ireland Belfast Pounds Malawi Lilongwe Malawian Poland Warsaw New Zloty Kwacha Portugal Lisbon Escudo, now Mali Bamako Malian Franc Euro Mauritania Nouakchott Ouguiya Romania Bucharest Romanian Mauritius Port Louis Mauritius Leu Rupee

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Mayotte Dzaoudzi and French Franc Jamaica Kingston Jamaican Mamoudzou Dollar Morocco Rabat Moroccan Mexico Mexico City Mexican New Dirham Peso Nigeria Abuja Naira Nicaragua Managua Córdoba Panama Panamá Balboa Senegal Dakar West African St. Kitts and Nevis Basseterre East Franc Caribbean Sierre Leone Freetown Leone Dollar Somalia Mogadishu Somali St. Lucia Castries East Shilling Caribbean South Africa Cape Town Rand Dollar Zambia Lusaka Zambian Trinidad and Port of Spain Trinidad and Kwacha Tobago Tobago Zimbabwe Harare Zimbabwe Dollar Dollar United States of Washington D.C. US Dollar Bahamas Nassau Bahamian America Dollar Argentina Buenos Aires Austral, Barbados Bridgetown Barbados Neuvo Peso Dollar Bolivia La Paz Boliviano Belize Belmopan Belize Dollar Brazil Brasilia Real Canada Ottawa Canadian Chile Santiago Chilean Peso Dollar Colombia Bogota Colombian Costa Rica San José Colón Peso Cuba Havana Peso Paraguay Asuncion Guarani Dominica Roseau East Peru Lima New Sol Caribbean Dollar Suriname Paramaribo Suriname Dominican Republic St. Domingo Peso Guilder El Salvador San Salvador El Uruguay Montevideo Uruguayan Salvadorian New Peso Colón Venezuela Caracas Bolivar Australia Canberra Australian Grenada St. George's East Dollar Caribbean Fiji Suva Fiji Dollar Dollar New Zealan d Wellington New Zealand Guatemala Guatemala Quetzal Dollar Papua New Guinea Port Moresby Kina Haiti Port-au-Prince Gourde Honduras Tegucigalpa Lempira

Important Days

Sr. DATE DAY January Leprosy Day no. 6. 4th Feb World Cancer Day. 1. 12 th National Youth day (Birthday of 7. 28 th Feb National science day January Vivekananda). 8. 8th March International women day 2. 15 th Army day. 9. 9th March World Kidney day January 10. 15 th World Consume r rights day , 3. 24 th Jan National Girl Child Day. March 4. 25 th Nat ional tourism day/ Voters day 11. 20 th World Sparrow Day & International January March Happiness Day. 5. 30 th National Martyrs day & World anti 12. 21 st World Forestry day www.bankersadda.com | www.careerpower.in | www.careeradda.co.in 37

March 32. 12 th International youth day 13. 22 nd World water day August March 33. 29 th National Sports day (Birthday of 14. 23 rd World Meteorological day August Dhyan Chand) March 34. 5th Sept Teachers day 15. 24 th World T.B. day 35. 8th Sept World Literacy day March 36. 14 th Sept Hindi Divas 16. 2 April World Autism Awarenes s Day 37. 15 th Sept Engineers day 17. 7th April World Health day 38. 16 th Sept Ozone day 18. 21 st April Civil service day 39. 2nd Oct International Non -violence day 19. 22 nd April World Earth day 40. 8th Oct Air force day 20. 24 th April Panchayat Divas 41. 9th Oct World post day 21. 1st May International Labour day 42. 24 th Oct United nation day 22. 3rd May World Press Freedom Day 43. 17 th Nov Students day 23. 11 th May National Technology day 44. 18 th Nov Adults day 24. 21st May Anti Terrorism day (Death day of 45. 19 th Nov Citizens day Rajiv Gandhi) 46. 27 th Nov National law day 25. 31 st May Anti Tobacco day (No smoking day) 47. 1st Dec AIDS day 26. 5th June World Environment day 48. 4th Dec Navy day 27. 1st July Doctors day 49. 10 th Dec Human Rights day 28. 11 th July World population day 50. 14 th Dec National Energy Conservation Day. 30 6th August Hiroshima day 51 24 Dec National Consumers Rights Day 31. 9th August Nagasaki day

ABBREVIATION IN NEWS

28. FEMA- Foreign Exchange Management Act 1. OLTAS - On-line Tax Accounting System (OLTAS) for 29. FII – Foreign Institutional Investor. Direct Taxes 30. FINO- Financial Inclusion Network Operation

2. TIN - Tax Information Network (TIN) 31. FIPB – Foreign Investment Promotion board 32. FSLRC – Financial Sector Legislative Reforms 3. IMPS - Interbank Mobile Payment Service (IMPS). Commission 4. CDR - Corporate Debt Restructuring 33. CRAR: Capital to Risk-weighted Assets Ratio 5. CAD- Capital Account Deficit 34. SWIFT: Society for Worldwide Interbank Financial

6. REITs: Real Estate Investment Trusts Telecommunication 7. InvITs: Infrastructure Investment Trusts 35. DEAF: Depositor Education and Awareness Fund

8. ALM- Asset Liability Management 36. NEFT - National Electronic Funds Transfer

9. AML – Anti Money Laundering 37. DICGC : Deposit insurance and credit guarantee 10. KYC – know Your Customer corporation.

11. ASBA: Application Supported by Blocked Amount 38. FCNR(B) - Foreign Currency Non-Resident Bank

12. BSBDA - Basic Savings Bank Deposit Account 39. LCR: Liquidity Coverage Ratio

13. IFSC – Indian Financial System Code 40. IMPS: Interbank Mobile Payment Service

14. CBS: Core Banking Solution 41. TARC - Tax Administration Reform Commission

15. RTGS - Real Time Gross Settlement 42. LRMT: Liquidity risk monitoring tools

16. SLR-Statutory Liquidity Ratio 43. ECB - External Commercial Borrowings

17. CAR – Cash Adequacy Ratio 44. MIBOR: Mumbai Inter-Bank Offer Rate

18. MSF-Marginal Standing Facility 45. LIBOR: London Inter-Bank Offer Rate

19. NBFC-Non Banking Finance Companies 46. LAF – Liquidity Adjustment Facility

20. PIN: Personal Identification Number 47. GIRO - Government Internal Revenue Order

21. CCEA – Cabinet Committee on Economic Affairs 48. FRBMA: Fiscal Responsibility and Budget 22. CECA - Comprehensive Economic Cooperation Management Act Agreement 49. AMFI- Association of Mutual Fund in India.

23. CEPA – Comprehensive Economic Partnership 50. TIEA – Tax Information exchange Agreement Agreement 51. FTA- Free trade agreement

24. DTAA – Double Taxation Avoidance Agreement 52. GAAR - General anti avoidance rule

25. ECBs - External Commercial Borrowings 53. GSLV - Geo-Synchronous Launch Vehicle

26. EEFC - Exchange Earner's Foreign Currency 54. NCTC - National Counter-Terrorism Centre

27. EFSF – European Financial Stability Facility 55. NSG – Nuclear Suppliers Group www.bankersadda.com | www.careerpower.in | www.careeradda.co.in 38

56. PPP – Public Private Partnership & Purchasing 59. QFI -Qualified Foreign Investors Power parity 60. REER: Real Effective Exchange Rate 57. PSLV – Polar Satellite Launch vehicle 58. TAPI - Turkmenistan-Afghanistan-Pakistan-India.

General Awareness & Computer Questions of NIACL,UIICL,NABARD & LIC 2015

1. NATO headquarters - Brussels 35. Highest Milk productivity is in which state of India? - 2. National Youth Day personality - Swami Vivekanand Punjab

3. J.P Nadda - Health Minister 36. Player who got highest value in IPL 7 auction? - Yuvraj

4. Madan Mohan Malviya newspaper - Hindustan Times 37. State with highest GDP? 5. Gyan Sangam Retreat held in - Pune 6. National Health Day - April 7 38. Who sign 1 rupees note? Finance Secretary

7. AB de villers fastest 150 against in ODI against - West 39. DBTL scheme started by govt for LPG subsidy - PAHAL Indie s 40. Amount of Over Draft Facility under Jan Dhan Yojana - 8. Tax abolished in Budget 2015 - Wealth Tax Rs 5000 9. CNG train route besides Rewari-Rohtak: Rewari and 41. World Cup Teams - 14 Bikaner 42. First player to score century form India against Pak in 10. Economic Survey 2015-16 prepared by - Aravind WC - Kohli Subramaniam and team

11. NITI Aayog vice-chairman: Arvind Panagriya 43. Amount doubles under Kisan Vikas Patra - 100 12. T-20 world cup 2016 venue: India months 13. Iraq capital: Baghdad 44. Ceiling Amount under KVP - No ceiling 14. Latest Euro member: Lithuania 45. Who replaced Leila Samson - Prahlaj Niklani

15. First chairmanship in New Development Bank: India 46. WTO member - 160

16. Foreign Secretary - S. Jaishankar 47. Which Indian scheme registered in Guinness Book of

17. Headquarters of UNICEF - New York World Record - Jan Dhan Yojana

18. World Cup Venue – Australia & New Zealand 48. Under 17 FIFA World Cup hosting country - India

19. Ramdev Baba Ambassador of which state- Haryana 49. Nobel prize for economics 2014 - Jean Tirole

20. Banks borrow money from RBI at which rate- Repo 50. Maximum cancer cases is in which state of India - Rate Punjab

21. Payment bank on whose recommendation- Nachiket 51. Indian Company with max turnover as per fortune 500 More Committee - IOCL

22. Card less started by which bank- ICICI 52. EMI full form - Equated Monthly Installment

23. Largest stock exchange- New York 53. Who appoints ombudsmen - RBI

24. Swift started by which country- Brussels 54. MacMohan line divides which countries? - India and

25. Who refused to received Bronze medal- Sarita Devi China

26. NITI Ayog head- PM Modi 55. Which is used by banks in their daily routine working

27. Expenditure commission head- Bimal Jalan and transactions? Negotiable instruments Act

28. Payment bank amount needed- 100cr 56. Arun Jaitley is a Rajya sabha member from which

29. Head of committee on banking license – Bimal Jalan state? Gujarat

30. Small banks startup capital- 100Cr 57. NABARD full form. - National Bank for Agriculture

31. First Post office ATM – Chennai and Rural Development

32. Chairman of 7th pay commission- Ashok Kumar 58. Which is fastest channel for transferring money - - Mathur RTGS

33. Till now how many applications received for payment 59. Largest iron ore mine in world - Carajás Mine, Brazil banks? 41 60. Which is most profit making PSU company in INDIA -

34. First post office ATM in india - Chennai ONGC

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61. Naira is the currency of which country? Nigeria 94. Jim Corbett national park is situated in which state? - 62. Location of Headquarters of WTO and IAEA - Geneva Uttarakhand & Vienna. 95. Denmark capital - Copenhagen 63. Which is the following is the non -institutional credit - 96. Which is the Country having maximun gold mines - Trade Credit China 64. IFRS full form - International Financial Reporting 97. Which was the most warmest year ever? - 2014 Standards 98. Which were the two new earth like planets discovered? 65. Nehru Trophy with which game - Football - Kepler 438-b and Kepler 442-b 66. NDB full form - New Development Bank 99. What is the currency of China? - Yuan 67. Least populous state in India as per census 2011 - 100. Rbi cut in repo rate by how much? - 25 basis points Sikkim 101. There were few questions related to Census 2011 68. Godavari Pushkaralu is organised in which state? - 102. Capital of Canada - Ottawa Andhra Pradesh 103. Bhutanese currency - Ngultrum 69. Corporate Social Responsibility committee headed is 104. CEO of NITI aayog - Sindhushree Khullar by - Anil Baijal 105. Who is Shinzo Abe - Japenese Prime Minister 70. Ajinke Rahane and Raidu related to which game? - 106. Who among the following was one of the previous Cricket RBI governors? - Y V Reddy 71. S. Jaishankar is appointed as? - Foreign Secretary 107. Who amng the following is not in the ex officio's list 72. Whom did Saina Nehwal defated in Syed Modi Grand in NITI - 5 ministers were given(Members of NITI trournament? Caroline Marin Aayog Arun jaitely, Rajnath Singh, Suresh Prabhu 73. Chillika lake is in which state of India? Orissa and Radha Mohan Singh) 74. World Food Program is in? Rome 108. PK movie director - Raj Kumar Hirani 75. Recently who Received Padma Vibhushan award? 109. World water day - 22nd March 76. Malaysian currency - Ringgit 110. Minister of Road Transport and Highways - Nitin 77. Next I20 Matches Will be held on which Country - Gadkari India 111. World Environment Day is observed on - 05 June 78. World Social Justice Day - 20 February 112. Author of "God of small things" - Arundhati Roy 79. Orapa, largest diamond mine is in which place? 113. WU-14 is launched by- China Botswana 114. Speed of Computer is measured in- Hertz 80. Savio cup held in which place? Maharashtra 115. New chief of RAW - Mr. Rajinder Khanna 81. Durga Prasad IAS cadre officer is the head of? CRPF 116. Headquarter of International Maritime 82. Who regulates mutual funds? SEBI Organization (IMO) is situated at - London, UK. 83. Cheque which is not crossed is called – Open cheque 117. Strait time person of the year - Narender Modi 84. Zimbabwe President - Robert Mugabe 118. Wular Fresh lake in which state of India - Jammu 85. Currency of Japan - Japanese Yen and Kashmir 86. Cricket World Cup 2019 – England and Wales 119. Name of boxer recently banned - Sarita Devi 87. Chao lake is – China 120. Bandhavgarh National Park is in which state - 88. Harsimrat Kaur Badal is MP of - Bathinda Madhya Pradesh 89. Baht current of which country - Thailand 121. 1 question from Fiscal Deficit 90. Where are the head quarters of UNICEF? - New York 122. Chairman of Niti Ayog - PM Narendra Modi 91. When do we observe army day? - 15th January 123. Currency Philippines - Philippine peso 92. Water week started from - 13th January in context 124. Brazil capital - Brasilia with Ganga Rejuvination Plan 125. Sarita devi which sports - Boxing 93. Who is the current Defence minister of India? - 126. RBI doesn't control which one of them? ICICI Manohar Parikar Prudential 127. America Canada line - Parallel line 49

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128. Who won Nobel Prize in micro economics? - 162. Sachin autobiography - Playing It My Way Amartya Sen 163. 2011 highest urban population state - Maharastra 129. Fort aguada which state - Goa 164. 1 = 1024 kb 130. IMF provides loan to whom? Only Member 165. Dong fong missile strike range - Max.550 kms Countries 166. UNISCO Headquater - Paris 131. Next G 20 Summit - Istanbul, Turkey 167. Roger Federer related to which sport - Tennis 132. New chief of IB - Dineshwar Sharma 168. Where SAARC summit - Khatmandu,Nepal 133. Fresh water lake in U.S.A - Lake Superior 169. Summer Olympics venue - China 134. Purpose of monetary policy? 170. Japan give award - Dr.Manmohan Singh 135. 1 question on which of the following is not a Credit 171. Hudhud affect which coast - Visakhapatnam rating agency of india? 172. Bharatnatyam start from which state - Tamil Nadu 136. Which is regulator of commodity market - FMC 173. Agni4 range - 3,000 – 4,000 km 137. Cancer day - 4th February 174. Australia capital - Canberra 138. Internet users in India in December 2014 - 300 175. Afghanistan Currency - Afghan Afghani Million 176. National Youth Day - 12th January 139. Founder of self help groups who won Nobel Prize for 177. 2018 Commonwealth Game - Gold Coast, Australia this? Mohammad Yunus 178. PMJDY payment card - Rupay 140. 1 question on NPA 179. Small and Payment bank need how much Capital for 141. CASA related to? startup - 100 Crore 142. Anirudh jagannath is the PM of which country? - 180. Recently people of 13 country make march and pray Mauritius for world peace in which state - Bihar 143. Fao headquarters - Rome, Italy 181. In india recently Bio fuel Train started from - Rohtak 144. Urban development union minister - Venkaiah to Rewari Naidu 182. External Affair Minister - Smt. Sushma Swaraj 145. According to 2011 census female ratio per 1000 183. Recently Gyan Sangam Held in Pune For what males in Haryana? - 879 Purpose - Banking Reform 146. Confucious prize was awarded to whom? - Fidel 184. APEC summit 2014 venue - Beijing Castro 185. Chief Economic advisor to GOI - Arvind 147. Dandi kutir is established in which place recently? - Subramanian Gandhinagar 186. Switzerland beat whom to win Davis cup - France 148. Wandering in many worlds is autobiography of 187. Anaemia is caused by deficiency of which vitamin - whom? - V. R. Krishna Iyer Vitamin B12 149. Barak Obama wife name - Michelle Obama 188. Bihu dance is related to which state - Assam 150. CVV FULL FORM - Card Verification Value 189. International court of justice HQ - The Hague 151. PAKISTAN CURRENCY - Pakistani Rupee 190. Prize given to Raghuram Rajan recently - Governer 152. BSBDA A/C FULL FORM - Basic Savings Bank of the Year in Central Banks awards Account 191. News paper name of recent france attack - Charlie 153. Dramatic decade authour? -Pranab Mukherjee Hebdo 154. IMF headquaters - Washingaton D.C. 192. Highest mortality rate in infants state - Odisha 155. NITI Ayog vice chairperson - Arvind Panagariya 193. CBI New Director - Mr. Anil Kumar Sinha 156. Who is Punkaj mishra - Writer 194. Venue of 19th national youth festival - Guwahati, 157. National voters day - 25th January assam 158. Argentina capital - Buenos Aires 195. Indian Navy day is observed on - 4th December 159. Greece currency - Euro 196. Chile capital is – Santiago 160. BSF Foundation day -1 December 197. First Vistara airlines started from - Delhi to Mumbai 161. RBI regulate which sector - Banking

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198. Highest Carbon di Oxide emiision country in world - 234. DICGC is owned by - RBI China 235. Vanbandhu kalyan yojna is for - Tribal peoples 199. PAHAL scheme is related to - DBT of LPG 236. 3rd Sunday of January is celebrated in memory of - 200. What is the currency of Spain - EURO Martin Luther King Jr. 201. One life is not enough book is authored by - Natwar 237. Why RBI increse interest rates - To increase Singh liquidity 202. Ways and means of railways committee head - DK 238. Line b/w India & Pakistan - Radcliffe Mittal 239. National Education Day - 11th November 203. Vice chairman of niti ayog - Arvind Pangariya 240. Portugese currency - Euro 204. Canada's central bank name - Bank of Canada 241. Law minister - Dr. Sadananda Gowda 205. Health insurance minimum capital - 100 Crore 242. NITI AYOG replaces what? Planning Commission 206. Payment bank minimum paid up capital - One Lakh 243. Author of "And then One day" - Nasserudin Shah 207. In CP, C stands for - Commercial 244. Age not applicable for open savings a/c - 10yrs 208. Anirban lahiri is related to which sport - Golf 245. IRDA - Statutory Body 209. Anand defeated whom to win London classics - 246. Rama Setu - Palk Strait (Sri Lanka) Michael Adams 247. Maharastra Governor presented Yash Chopra award 210. Where is Dr. Samir Ali bird sanctuary? - Goa to whom - Amitabh Bachchan 211. BIS head quarter is situated at - Basel, Switzerland 248. Sansad adharsh Scheme 212. Union minister for steel, Labour and mines - 249. Valdmir Putin visited - India Narendra Singh Tomar 250. Deen Dayal Upadhyay Gram Jyoti Yojana 213. Who is not a regulator - IBA (among the options) 251. Grammy Awards related to - Music 214. Market regulator of index futures - SEBI 252. LIC Health insurance 215. UNEP headquarters - Nairobi, Kenya 253. Chemistryy nobel prize - Willian Moerner, Erik 216. Largest company in terms of revenue - IOCL Betzig & Stephen W. Hell 217. John O' Keefe won Nobel for - Medicine 254. NATO full form - North Atlantic Treaty 218. Climate change summit held at - Lima, Peru Organization 219. UIIC's largest shareholder - Central government 255. WTO headquarter - Geneva, Switzerland 220. Gandhi setu connects which places? - Patna and 256. Small and payment bank paid up capital - 100 Crore Hajipur 257. National education day whose birth day - Maulana 221. Union minister for heavy industries - Anant Geete Abdul Kalam Azad 222. Ankita raina belongs to which sport - Tennis 258. Central bank of China named as Peoples Bank of 223. PIO fulform - Person of Indian Origin China 224. Mission Indradhanush covers how many diseases? - 259. In CAR, A stands for - Adequacy 7 260. To prevent money laundering – AML 225. Next NATO summit place? - Warsaw 261. Author of dramatic decade - Pranab Mukerjee 226. Abu Dabhi tennis championship winner? - Andy 262. NOTE printed 2005 extended up to - June 30 2015 Murray 263. Capital of Germany - Berlin 227. Patrick Modiano got novel in which field? - 264. Indian external affairs minister - Sushma Swaraj Literature 265. ING Vyasa bank merged with which Bank- Kotak 228. Population of female a/c to census? - 586.46 million Mahindra 229. Vienna is the capital of? - Austria 266. Governenc Day celebrated on the birthday of - Atal 230. ILO headquarter - Geneva Bihari Vajpayee 231. Minimum capital required for white label ATMs' - 267. Maitri project is in association with India and ? - 100 Crore France 232. NITI ayog chairman - Narendra Modi 268. World Consumer Rights Day - 15th March 233. Commodity market regulator - FMC

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269. Indian science congress held at - University of 302. Currency of Germany ? - Euro Mumbai 303. Forward market commission is which type of body? - 270. 2018- Common wealth game venue - Gold Coast Statutory 271. J. Gutta is associated with which game? - Badminton 304. Big Cinemas is now owned by ? - Carnival Group 272. Share of TATA Sons in Vistara - 51% 305. NICL max share owned by whom ? - Govt. of India 273. Angara-A5 rocket launch by which country - Russia 306. “Good Governance Day” celebrated on whose 274. 2015 World cup cricket ambassador - Sachin birthday ? - Atal Bihari Vajpayee and Madan Tendulkar Mohan Malviya 275. Satpura Ranges lies from - Gujarat to Madhya 307. Headquater of Interpol? - Lyonn, France Pradesh 308. “Ebola” named after whom ? - A river in Democratic 276. Full form of NITI - National Institute for Republic of Congo Transforming India 309. PV Sindhu defeated which player recently to win 277. Monthly composite index started by which bank - Macau Open? - Kim Hyo Min SBI 310. Nobel Prize in Economics? - Jean Tirole 278. Sole re-insurance company of India - GIC 311. IT minister in Cabinet of Ministers? - Ravi Shankar 279. Nikkei Stock Exchange is of which country – Japan Prasad 280. What does A stands for in WMA - Advance 312. Defence minister - Manohar Parikar 281. What is the full form of NBFC - Non Banking 313. FIBA is related to which sports? Basketball Financial Company 314. When is "Human Rights Day" observed? 10 Dec 282. International Mountain day - 11th January 315. Ongc dealt with which company for New Zealand oil 283. Who is the Union Minister of Rural Development, and gas search mission - Chevron Panchayati Raj, Sanitation & Drinking Water? - Ch. 316. Neft full form - National Electronic Fund Transfer Birender Singh 317. Census 2011 India’s population is what % of total 284. Noble prize literature award - Patrick Modiano population? 17.5 285. Canada capital - Ottawa 318. Ing vysa insurance new name? Exide Life insurance 286. Oman currency - Riyal 319. JK rowling has written a book with another 287. Who were the first siblings to scale seven tallest name,name of that writer - Robert Galbraith peaks in 7 continents? - Tashi, Nungshi Malik 320. Pfrda which type of organisation ? Regulatory Body 288. Who was the 14th PM of India?- Dr. Manmohan 321. Telengana is bordered by how many states? Singh 322. Meaning of equity share. 289. Dramatic decade written by? - Dr. Pranab 323. Currency of Greece - Euro Mukherjee 324. Capital of Germany - Berlin 290. Ritu Rani belongs to which sports? - Hockey 325. Great Himalaya National Park is situated at? Kullu, 291. Nalanda University is in which state? - Bihar Himachal Pradesh 292. Which is the Largest River after Ganga in India - 326. Snooker champion : Mark Selby Godavari 327. Satellite launched by china in association with which 293. Who wrote "the NAMO story" - Kingshuk Nag country - US 294. World Energy Comservation day is celebrated on ? - 328. Pune university named as Savitri Bai Phule 14 December University 295. NRE mein R stands for ? - Resident 329. Global partner of ICC Cricket World Cup 2015 - MRF 296. On question on sansad adarsh gram yojna ? 330. Lifetime chievement award to which singer recently 297. Venue of SAARC summit 2014? - Kathmandu - Asha Bhisle 298. One ques on PMJDY? 331. Headquater of International Labour Organisation - 299. NAV fullform ? - Net Asset Value Geneva 300. One question on GDP ? 332. Which Australian opener cricketer completed 1000 301. Capital of combodia ? - Phnom Penh runs in 2014 - David Warner

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333. Asean summit held at? Nay Pyi Taw, Myanmar 369. Pillars of BASEL - II - Market Discipline 334. 'G' in GST stands for? Goods 370. IRDA is what type of regulatory body? Statutory 335. Which country has highest literacy rate - Russia Body 336. Commercial paper valid for - 1 year 371. Bond Market is also known as - Debt Market 337. Bank sale insurance - Bancassurance 372. ARCIL is which type of company? - Asset 338. Some Technical questions asked in Specialist Section: Reconstruction Company 339. Three resistance of 8 ohm in series,their total 373. Which manufacturer installed the world's tallest resistance - 24 ohm hybrid wind generator turbine at Gujarat recently? - 340. If we add one more resistance in parallel Suzlon Energy arrangement, then effect on current increase, 374. BHEL has recently commissioned a hydro power decrease, remain same? project in which African country? - Rwanda 341. Carnot cycle efficiency depends on - Temperature 375. Union Minister for Chemicals and Fertilizers? - 342. Second law of thermodynamics defines - Entropy Ananth Kumar 343. Work in free expansion process - Zero 376. International Anti-Corruption Day? - December 9 344. Two force of 3 and 4 N are acting perpendicular to 377. Which among the following is the Partner of SBI Life each other than their resultant force - 5N Insurance? - BNP Paribas 345. Transformer works on - Electromagnetic Principle 378. An enterprise with investment in plant and 346. Main gases responsible for green house effect - CO2 machinery will be considered micro enterprise if it and CO does not exceed the limit of? -Rs. 25 lakh 347. Chlorofluorocarbon releases which gas,harmful for 379. Name the textile business group of Reliance Group? - ozone layer - Chlorine Vimal 348. Seamless tube making process – Extrusion 380. Along with May-Britt Moser and Edvard I. Moser who 349. Asian of the year 2014 - Narendra Modi shared Noble Prize in Medicine 2014? - John 350. In Kisan Vikas Patra, money to be doubled in? 100 O'Keefe months 381. In BSBDA Account, no extra charge levied if balance 351. Brazil Olympic 2016 mascot - Vinicius is maitained above? -Rs. 50,000 352. Vishwanathan defeated whom to win in London 382. Which is the first State to acheive 100% financial Championship? Michael Adams inclusion under PMJDY? - Kerala 353. ECGC full form? Export Credit Guarantee 383. Under Sansad Adarsh Gram Yojana government aims Corporation of India Ltd. to cover 2,500 villages by which year? – 2019 354. Kouron Space Station in? French Guinea 384. Protests named "Umbrella Revolution" recently held 355. Ireland Capital? Dublin in which country? - Hong Kong 356. Euro 2016 venue? - France 385. Which is the sole reinsurance company in the Indian 357. Deodhar trophy is related to? Cricket insurance market? - General Insurance 358. Bhuwaneshwar Kumar is related to? Cricket Corporation of India 359. World Snooker Championship venue? Crucible 386. Govt recently announced that the crisis-ridden Theatre (UK) National Spot Exchange Ltd (NSEL) would have to 360. Khajurao is situated at? MP merge with its holding company named? - Financial 361. UN Food Program Headquarter? - Rome, Italy Technologies (India) Ltd (FTIL) 362. Indira gandhi peace prize 2014? - ISRO 387. IMPS full form? - Immediate Payment Service 363. Hockey championship runner up? Pakistan 388. Headquarters of Financial Stability Board? - Basel, 364. BRICS Bank Headquarters - Shanghai, China Switzerland 365. FAO Headquarters - Italy, Rome 389. Tata Power has recently signed a share purchase 366. French Republic Currency - Euro agreement with Ideal Energy Project (IEPL) to 367. Antodya Diwas - 25th September acquire the latter’s 540-MW thermal power plant in 368. PWD Day - Dec 3 which state?- Maharashtra

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390. Word CTS-2010 is related with? –Cheque 399. When we open a website first page is called? - Home 391. Which state has highest rural population in India as page per Census 2011? - Uttar Pradesh 400. Wh ich of the following is Web Browzer? - Internet 392. Kisan Vikas Patra is not in which among the Explorer following denominations? - Rs.500 401. To move text we use? - Cut & Paste 393. Name the Digital Life Certificate for Pensioners 402. Author of the recently released book "Not just an launched by Prime Minister recently? - Jeevan Accountant"? - Vinod Rai Pramaan 403. To save a file with a new name we use which option? 394. G20 Summit 2014 was held at? - Brisbane, - Save as Australia 404. Which of the following is function key? - F3 395. Capital of Chile? - Santiago 405. Kissan credit card validity – 5 years 396. Currency for Republic of Colombia? - Colombian peso 397. Paypal is which type of company? - Internet Payment company 398. Name the foreign-exchange agreement between two institutions to exchange aspects? - Currency swap

GOOD LUCK & ALL THE BEST FOR NICL AO & Assistant EXAM

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