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AC Power Booster 2015
AC Power Booster For IBPS PO-5 Main

Current Affairs Match points -100
1. Sania- Hingis pair 1 no spot in women doubles after achieving 8 titles this year
1st indigenously built aircraft carrier INS VIKRANT was decommissioned
Centre aims 1 lakh crores disbursed under MUDRA bank scheme
2.Supreme court banned CSK / RR 2 IPL teams for 2 years
3.3rd Hindi conference going to held at New jersy
Airtel is 3rd biggest telcom gaint in the world ( 1ST china mobile , vodafone -2nd spot )
4.4th GAGAN Navigation system occiped 4th spot self navigation system in the world after
( USA , RUSSIA , UK , JAPAN )

5.India occupies 5th spot in 2015 youth games
BMB offers new loan 5 crores for --Doctor loan
6. 6th joint Military exercise INDIA MALDIVES (EKUVRIN -2015)
7. 7th BRICS summit UFFA, Russia 2015
8. 8 Lakh crores india railway going to investin infra coming 5 years
9. 9th Regional Pravasi Bharatiya Diwas going to held USA los angles
4G operations by Airtel in 9 Circles
10. 10 small bank license granted by RBI
11. 11th Session of INDIA UAE Economic cooperation held at Newdelhi
12. POSCO india puts hold 12 $ bn project at odhisha
13. SAHAJ online registration LPG scheme gears up in 13 cities
14. 14th Finance commision takes place from 2015-2020
15. 15 min Loan offered by HDFC 2 wheeler loan
16. Trade bilateral target 16 $Bn between india & southkorea
17. 17 medals India topped on table in Asian youth cxhess championship
18. Japan country lower rising the right to vote to 18 years
19. NAYAK COMMITTEE proposed 19 k crores into PSBs as per financial inclusion part
20. G-20 Turkey, antaliya summit launches G-20 engaging group
21. CHINA INDIA __ MoUs delas 21 as per pm modi visits
22. India won test series in island country srilanka after 22 years
23. 23 Meji period Sites in japan has been granted heritage sites by UNESCO
24. 24th VYAS SAMMAN for the year 2014 kamal kishore goenka
25. NASSCOM celebrated 25th anniversary
26. 26 % FDI in fm radio auction for financial year 2015-16
27.27% increase in Asiatic lion as per census 2014 (total lions 523 increased)
28. Feb 28th, Arun jaitely made his first full term budget 2015-16
29. Telengana 29th state as per state reorganisation bill
30. 30 min AUTO LOAN 4 Wheeler loan by HDFC
31. 31ST Decmeber deadline for pre-500 ruppee note exchange
32. After 32 years, India finally gets LCA Tejas aircraft
33. 33 Lakh km road network 2nd highest in the world after USA
34. Forbes listed out 34 Higest paid actors list this year -2015
35. 35th National Games Hosted by Kerala ( Services topeed with 159 medals )
36. India ready to buy 36 DASULT RAFALE jets from France
37. As per MDG (millennium development goals 2015 ) global malaria incidence rate has fallen by an
estimated 37 per cent
2|Page

38. 38th priminister of Nepal -- K.P.Sharma oli
39. Govt of India banned 39 drugs under price contol regime
40. Skill India targets 40 crores skilled labour by 2022
41. 41st G-7 Summit held at Germany
42. 42 Food parks approved by Minister of consumer & food affairs with cost 17000 crores
43. At Age of 43 Sundar Pichai new CEO of google
44. 44 votes of 54 turns to make malcom turnbull sworn as new PM of Australia
45. 45 mm caliber artillary gun DHANUSH Tested sucuessfuly by India army
46. 46 years old Vince chhabra india origin sworn as American federal judge for California
47. At age of 47 steffi grafh appointed as ayruved brand ambassdor of kerala
48. 48th national tiger reserve Rajaji national park in Uttarakhand by NCTA
49. Worlds largest life insurers company which has increased its stake in Reliance Capital Asset Management
(RCAM) to 49% from 35%
50. Sunil chettri made 50 international goals from Indian side (football)
51. 51 % banks having access freedom to take in companies default loans
52. INDO AFRICAN summit -2015 Total number countries partipication -52
53. 53% outlay on railway budget 2015-16 compare to previous fiscal increased
54. at Age of 54 SEKHAR SEN appointed as chairman of sangeet natak academy
55. FIPB raises cap 55% on kotak Mahindra bank (merger of ING vysya)
56. 56 India companies occupies its position this year in FORTUNE -2000 companies list
57. 57th edition of Ramon magsasysay award confered Indian sanjeevu chaturvedi, anshu gupta
58. 58% hike at cost of 49500 crores issue of commerical papers this FY 2015
59.AS per economic survey 2014-15 , 58% housholds issued by PDS kersosne
60. 60 years now the age limit for vesting benefits made by EPFO
61. 61 years old XIJINPING hounred with NISHAN e PAKISTAN
62. 62nd NATIONAL AWARDS court (marathi film) was conferred with best feature film
63. Popular telugu comedian M. S. Narayana, 63, Telugu actor expired
64. 64 Netaji secret file released out by Westbengal government
65. 65th Berlin international film festival DHANAK won award from india
66. section 66A-- Supreme Court is examining the constitutional validity of Section 66A of the amended Indian
Information Technology Act, 2000
67. 67% RBI foreign currency assets grew this financial year 2014-15
68. V. Ramakrishna, 68, Telugu playback singer expired
69. Govt to auction 69 state owned oil, & gas fields
70. Mogens Lyketoft was taken in 70th session of UNGA ( united nations general assembly)
71. As per NSSO India pegged 71% literacy rate in rural areas
72. 72 small applicants received by RBI for small banks
73. ADITI Ashok Indian golfer finished 73rd position among 286 in Thailand amateur champion
74. 74% India top HDFC Bank highest in market capitalisation
75. BCCI president JAGMOHAN DALMIYYA was died at the age of 75 due to health issue
76. 76 times delisting the company as per MAT No relief for FIIs
77. Anilkumble 77th member in ICC hall of fame
78. 78 Millions beneficiaries under NRHM JANANI SURAKHA YOJANA
79.obutioury of Kailash Vajpeyi, 79, Hindi poet, Sahitya Akademi Award recipient (born 1923)
80. 80S Cricketer sir wisely Winfield hall induced to ICC hall of fame
81. India ranks 81 in global innovative index
82. Ramanathan Gnanadesikan, 82, statistician expired
83. First African women Loretta lynch sworn as 83rd attorney general of USA
3|Page

84. First aftrican country DURBAN to host 22nd common wealth games after 84 years
85. 85% smart phones as a proportion of all mobile devices is also the highest in China.
86. 86% records improve in literacy rate as per NSSO in urban areas
87. 87th Academy award announced BIRDMAN as best movie
88. Wilfred desouza former goa chief minister pass away at the age of 88
89. V. S. Raghavan, 89, Tamil actor was expired
90. 90% penalty and face criminal prosecution on black money bill
91.World War II Veteran Harry Smith , 91-year-old veteran last living person
92. At the age of 92 architect of modern singpore Lee Kuan Yew was passed away
93. 93$ Bn governement announces for highway projects
94. 94-year-old Oskar Groening former guard at the Nazi death camp at Auschwitz of being an accessory to the
murder of at least 300,000 Jews.
95. World handloom day world 95% handlooms fabric comes from india
96. SEBI order 96 illegal pooling cases
97. 97% primary school enrolment rate in developing countries was only 86 percent of boys
98. 98 no of smart cities govt of india intiatives for SMART CITY PROJECTS
99. Worlds oldest graduate @ 99 doreetha daniels graduated from califorinia university
100. 100% FDI was allowed in private banks & white label ATMs
Stamps issued by Govt of india in 2015

5 Ruppe stamps issued

100 Years of Mahatma Gandhi's Return

Beti Bachao Beti Padhao
SWACHH BHARAT
Project Rukmani
Indian Ocean and Rajendra Chola 1
Engineers India Limited
India France Joint Issue was issued
Patna High Court
Old Seminary kottayam
International Yoga Day
Nabakalebara -2015
Samrat Ashoka
COINS issued by govt of india
175th birth anniversary of Jamsetji Nusserwanji Tata--100rs & 5rs
150th birth anniversary of Lala Lajpat Rai soon -- 150Rs
125th President Dr. Sarvepalli Radhakrishnan.10 & 125
100th birth centenary of Rani Gaidinliu, very soon. The Denomination of coins 100 and Rupees 5.
50th BHELs Golden Jubilee of Rs.50 and Rs.5 denomination have
Swami Chinmayananda. 100 and Rs. 10 to mark the birth centenary of Swami Chinmayananda
Begum Akhtar, India Governnent released a set of commemorative coins of Rs.100 and Rs.5.
Coins Issued by RBI in 2015 5 Coins to commemorate

Golden Jubilee of Indo-Pak War 1965"

RBIs Monetary Museum unveils Special Display of Mysore Coins
125th Birth Anniversary of Jawaharlal Nehru
"Centenary of Komagata Maru Incident""International Day of Yoga"
4|Page

DIGITAL PROJECTS recently launched by government & sectors
1. DRISTHI -- civil aviation
2. SAMANVAY -- Rural panchyats
3. DISHA -- Digital literacy ( bihar)
4. eMUDRA - Digital signatures
5. eMIGRATE- Foreign employee
6. NOWCAST - insurance Web portal
7. SPEEDPAY- BSNL Mobile Wallet
8. Vidhyalakshmi - govt for education loans
9. SEHAT- Telemedicine initiative
10. e Pragathi - integrated governance ( AP)
11. PAHAL-- LPG give it up
12. SAHAJ -- LPG online
13. mAsset - assets map of gram panchyats
14. Smart MIDC-- digital village by Microsoft - Maharashtra
15. Meebhoomi - digital deposit of land records ( AP)
16. Khoya- paya-- missing children's
17. eBiz -- single window for bussiness clernace
18. Rishta -- LED based street lighting -- Himachal Pradesh
19. Eshakti -- NABARD digitalisation for SHGS
20. Internet Saathi-- Google& TATA supplies bicycles to rural women
Recent aggrements by india with other countries
1. India - Georgia -- election
2. India - Canada - Renewable energy
3. India- Mozambique - renewable energy
4. India - France -- Railways
5. India - USA -- FATCA & 10 Years defence security deal
6. India - Seychelles -- FATCA
7. India - Hong Kong - prisoners exchange
8. India - Indonesia -- criminal matters / satellite communication
9. India - pakistan - peace talk
10. India- Thailand - Bilateral defence
11. India - Singapore - maritime cooperation /shipping information
12. India - Russia -- Prasarabharathi
13. India - Jordan - Terrorism
14. India - Bangladesh -- Fake currency
15. India solvakrepublic - Railways
16. India - Oman -- MLAT ( multi legal assistance treaty)
17. India - Australia -- field of security
18. India - Egypt -- Tourism
19. India - Nepal -- Petroleum pipeline
20. India - Luthinia -- Agricultural aggrements
21. India - Equdor -- JETCO ( Joint economic trade )
22. India - Mauritius -- Defence security
23. India - palestine - Isreal -- Trade & Tradition
24. India - Sweden -- urban sector cooperation
PMO office
National security Advisor -- Ajith doval

Principal secretary -- Nripendra mishra
Add. Principal secretary -- P.K.Mishra
Private secretary -- Rajiv Topro
5|Page
Chief Economic Advisor -- Arvind Subraminam

Revenue secretary-- Hasmuk adia
Financial secretary -- Ratan p.Watal
Cabinet secretary -- Pradeep kumar sinha
Commerce secretary -- Rita A. Teotia
Corporate Affairs Secretary - Tapan Ray
Home secretary -- Rajeev Meharshi
Pseb chairman -- Ajit Kumar seth
Defense secretary -- Mohan Kumar
ITPO -- L.C.Goyal
Scientific advisor -- G.S.Reddy
DRDO -- S.Christopher
Principle scientific advisor -- R.Chidambaram
Foreign secretary -- jaisankar
Defence secretary Mohanreddy
BIG PROJECTS NUMBERS

Pradahan mantri krishi Sinchai yojana 50000 crores for 5 years; fiscal 2015-16> 5300 crores
AMRUT scheme 50,000 crores
SMART CITIES project 48000 crores
Rural infrastrcuture fund (RIDF) 25000 crores
Long term rural credit fund 15000 crores
Short-term cooperative refinance fund 45000 crores
RRB finance fund 15000 crores
MUDRA Bank 20000 crores ; intial corpus 3000 crores
Unclaimed deposits for PPF 3000 crores / EPF 6000 crores
National investment infrastructure fund (NIF) 20000 crores
ATAL innovation scheme 150 crores
SAFE INDIA nirbhaya fund 1000 crores
SETU ( self employment and talent utilization ) 1000 crores
Pradhan mantri kaushal vikas yojana ( PMKVY) 1500 crores
INDHRADHUNASH banking scheme fiscal 2015-16 20000 crores
Rajiv gandhi panchyati sahastikaran abhiyan 2 lakh crores ( 2.4 lakh panchyats)
LPG subsidy pay out 40591 crores
IAF india aspiration fund 2000 crores
SMILE FUND SIDBI make india loan for enterprises 10000 crores
PMKVY pradhan mantri kaushal vikas yojana for 10/12 drop outs 1500 crores
Jal marg vikas project ( National water way -1 ) 4200 crores
NABARD Credit to farmers for irrigation 30000 crores
ATIF Agri tech infrastrcture fund 200 crores ( 250 mandis)
Varistha pension bhima yojana ( name of atal ) 6095 crores
CAMPA-compensatory afforestation fund mangement planning authority 3800 crores
IRFC indian railway finance cooperation to facility india railways through LIC 1.5 lak cr
IPDS --Intergrated power development scheme 45000 crores
EPFO employemnt provident fund organisation 2000 crores fro FY2015
FAME faster adoption and manufacturing of hybrid electric vehicle 795 crores
PMJDY depositers reached 25147 crores
6|Page

30 points to Remember
5 ulta mega power projects each 4000 mw plug & play mode
AIRTEL 4G 296 towns
Smart cities 98
AMRUT cities 500
Housing for all 305
Redeveoplment of railway stations 400
Tourist e-visa 77 / target 150 by 2016
AIIB member countires 57
Magancarta completed 800 years
Urbanmission 300 village clusters
Mission indradhanush 352 districts
Whats app crores 900 m uses
CCI hyundai penality420 crores
Maggi noodles fiend by 640 crores
Seychells 161 member of WTO
New toilets covering this budget 2015-16 650 stations
Adharsh stations selected 200
NBFC suspended by RBI --7 + SAHARA--8
Small banks --10 license out 41
Payment banks --11 out of 72
Food parks 17( BY 2020)
e-rickshaws--101
Tourist Visa-- 150 countries
PAHAL --291 districts
Pedal rickshaws--501
Bandhan bank--501 branches
Digital india --2500 Cities 4G
Housing For ALL -- 2 crores rural / 4 crores Urban( Built up )
MUDRA BANK -- 5.77 crores small business
BSE stock exchange in the world listed with high number of companies 5600

Spike anti-missile tanks ISRAEL--300

SUKHOI -latest RUSSIA 5th generation--200
Light ultra helicopters CHIRIOOK /APACHE USA --200
DHANUSH GUNSindigenous --114
PILATUS aircraft Switzerland -106
Multi role Helicopter BOEING USA 16
First in First out state

Amrut scheme started at Rajasthan First smart city nomination- Puducherry
First swachh bharat Mysore Top state in visiting Tourist - Tamilnadu
First Green Field private airport - Andal ( westbengal) First Airport with solar port Cochin
First indian city HQ for world Tourism - Kochi
First state to implement " SHE TAXI -- kerala
First SHE BUS -- KERALA
1st happiest city --( LG ) chandigarh
First green police station -- Maurice nagar _ Newdelhi
First VMP ( village monitoring project ) -- Harayana
First full fledged solar state -- Rajasthan
World largest & Tallest flag Faridabad
Best e Panchyat -- Assam
7|Page

First kisan call centre -- Agartala , Tripura

First issue of soil health card -- punjab
First soil health card project -- Rajasthan
100% financial inclusion PMJDY -- Meghalaya
DD KISAN channel launches -- Newdelhi
Digital india week -- Newdelhi
National earth hour capital Thane
Top 10 bank first in first outs

First bank to roll out sukanya samriddhi yojana punjab national bank
First bank to issue MUDRA CARD Corporation bank
First issue of soil health card Maharastra bank
Digital village started by ICICI
First payment solutions co-branaded card issue by LIC with UAE gulf bank
Tap n pay ICICI with tech mahindra
RBL ( Ratnakar bank limited ) launches first golf centric card
First postal ATM in augurated BIHAR
First bank in india established in eastern india post independence BANDHAN BANK
Accredited to UN GREEN climate fund NABARD
'Indradhanush' to revamp PSU banks

The seven elements include appointments
Board of bureau-- capitalisation-- de-stressing--empowerment-- framework of accountability
governance reforms.
Under recapitalisation plans for Public Sector Banks, 13 banks would get Rs 20,058 crore this
financial year. The rest Rs 5,000 crore would be allocated based on efficiency criteria.
70,000 crores in upcoming 5 years to reach need of 1.60 lakh crores needed for banks , 80,000
crores will get the banks from market
Banks board of bureau will replace existing appointments board. Its members would be appointed
in the next six months to be headed by the RBI governnor.
Banks board bureau would also hold bad assets of public sector banks.
SBI will get the highest Rs 5,511 cr, followed by Bank of India at Rs 2,455 cr, IDBI at Rs 2,229 cr, PNB
at Rs 1732 cr and IOB at Rs 2009 cr.
Microsoft India Chairman Ravi Venkatesan as Chairman of Bank of Baroda.
T N Manoharan as Non-Executive Chairman of Canara Bank
G Padmanabhan as Non-Executive Chairman of Bank of India.
Rakesh Sharma Of Lakshmi Vilas Bank will be new MD & CEO Of Canara Bank
Six more Non-Executive Chairman posts to be filled in 6 months
Commodities
Soyabean
Groundnut
Rapessed &
cotton
sugarcane
Rice
Wheat
Coarse Cerels
Maize
PULSES
TUR
Gram
Production in tons 2015-16

10.70
6.64 million
6.75
35.32
356.56
102.54 million
90.78 million
40.42 miilion
22.74
17.38
2.71
7.59
Disinvestment In PSUs Fiscal 2015-16

ONGC
5%
13100 crores
INDIAN OIL
10%
9000 crores
NTPC
5%
6000 crores
NMDC
10%
4800 crores
BHEL
5%
3000 crores
NHPC
11.36%
2400 crores
NALCO
10%
1200 crores
8|Page
INDIA
1. India
2. India
3. India
4. India
5. India
Country
Georgia
Canada
Mozambique
France
USA
AGRREMENTS
Election
Renewable energy
Renewable energy
Railways
FATCA & 10 Years
defence security deal
6. India
7. India
8. India
9. India
10. India
11. India
12. India
13. India
14. India
15. India
16. India
Seychelles
Hong Kong
Indonesia
pakistan
Thailand
Singapore
Russia
Jordan
Bangladesh
solvak republic
Oman
FATCA
Prisoners exchange
sector cooperation
Criminal
matters / satellite
communication
Peace
talk
Bilateral defence
Maritime cooperation
/shipping
information
Prasarabharathi
Terrorism
Fake currency
Railways
MLAT ( multi legal
assistance treaty
17. India
18. India
19. India
20. India
21. India
Australia
Egypt
Nepal
Luthinia
Equdor
22. India
23. India
24. India
Mauritius
palestine
Sweden
Field of security
Tourism
Petroleum pipeline
Agricultural aggrements
JETCO ( Joint economic
trade
Companysecurity
Defence
Isreal Trade & Tradition
Urban
India - Country
India-Egypt
India-Cambodia
India-Tajikistan
India-Uzbekistan
India-Kyrgyzstan
India-Srilanka
India-Kazakhstan
India-Sweden
India-Tanzania
India-Belarus
India-Southkorea
India-Turkmenistan
India-Mongolia
India-Bangladesh
India-China
Aggrement
2
2
2
3
4
4
5
6
6
6
7
8
14
22
24
COUNTIRES
India to Bhutan
India to Russia
Russia to India
India to Tajikistan
India to Turkmenistan
India to Kazakhstan
Kazakhstan to India
Indian to Uzbekistan
Bangladesh to India
India to Bangladesh
Indian to south korea
India to Mongolia
China to India
India to china
India to Canada
Grmany to India
India to germany
India to france
France to India
Singapore to India
India to Singapore
India to srilanka
Srilanka to India
India to Mauritius
India to Seychelles
India to FIJI
India to Australia
Australia to India
India to Myanmar
India to US
US to India
Japan to India
India to japan
India to Nepal
Nepal to India
India to brazil
Indian High to
Uzbekistan to India
AMBASSDORS
Gautam Bambawale
P.S. Raghavan
Alexander Kadakin
Shri Asith Bhattacharjee
TV Nagendra Prasad
Harsh Kumar Jain
BULAT
Mr Vinod Kumar
Syed Muazzem Ali
H.E. Pankaj Saran
Mr. Vikram Doraiswami
Somnath ghosh
Le Yucheng
Ashok kantha
Shri. Vishnu Prakash
Dr. Martin Ney
Mr. Vijay Gokhale
Arun Kumar Singh
Mr Franois Richier
Mr Lim Thuan Kuan
Ms.Vijay Thakur Singh
Mr. Y.K. Sinha
Sudharshan Seneviratne
Shri Anup Kumar
Mr.Sanjay Panda
Gitesh Sharma
Mr. Sunjay Sudhir
Patrick Suckling
Gautam Mukhopadhay
Dr. S. Jaishankar
Richard Rahul Verma
Mr. Takeshi Yagi
Deepa Gopalan Wadhwa
Ranjit Rae
Deep Kumar Upadhyay
Sunil Kumar lal
Comm. Ravi Thapare
Dr. SALIKH R.
RBI
RATES
Policy Repo Rate
6.75%
Reverse Repo Rate
5.75%
Marginal Standing Facility

Rate
CRR
7.75%
4%
Bank Rate
7.75%
SLR
21.5%
9|Page
Revolution
Protein revoultion
Green Revolution
White Revolution or
Operation Flood
Yellow Revolution
Black Revolution
Blue Revolution
Brown Revolution
For
Higher productivity
Food grains
Milk
Golden Fiber Revolution

Golden Revolution
Grey Revolution
Pink Revolution
Red Revolution
Round RevolutionSilver Fiber Revolution
Silver Revolution
Evergreen Revolution
Father of telecom
revolution
DEFENCE
NSA
NAVAL
AIRFORCE
ARMY
ITBP
BSF
CRPF
NSG
DRDO
HAL
BEL
BDL
ISRO
VSSC
SHAR
LPSC
RAW
CBI
IB
Oil Seeds production

Petroleum Production
Fish Production
Leather/non-conventional
(India)/Cocoa production
Jute Production
Fruits/Overall Horticulture
development/Honey
Fertilizer
Onion
Meat & Tomato
Potato
Cotton
Egg/Poultry
Overall
Sampitroda
CHIEFS
Ajit Dovel
R.K.Dhowan
Arup Raha
Dalbir Singh Suhag
krishna chowdary
Devendra Kumar Pathak
Prakash Mishra
J N Choudhury
S Christopher
TS Raju
S.K. Sharma
V.Udaya Bhaskar
Kiran kumar
K.Sivan
P.kunhi krishnan
S.bandopadyyya
Rajinder Khanna
Anil Kumar Sinha
Dineshwar Sharma
BANKS
New bank license
Private banks
Foreign bank
Urban cooperative banks
State cooperative banks
Small bank & payment banks
EXIM
bank
SIDBI
Authorised Regional Rural
Bank
MUDRA
BANK
NABARD
FDI
Agriculture
AssetReconstruction
Companies-Civil Aviation
Commodity Exchanges
Courier Services
Credit Information Companies
Defence
e-commerce B-B
Insurance
Multi Brand Retail
Pension-- (Pension Raised)
Petroleum and Natural Gas
Power Exchanges
Print Media-Private Sector Banks
Public Sector Banks
Single Brand Retail
Special Economic Zones
Stock Exchanges/Clearing
Corporations-Tea Plantation
Telecom
Tourism
SCIENCE DEFENCE
National security
Advisor
Principal secretary
Add. Principal secretary
Private secretary
Chief Economic
Advisor secretary
Revenue
Financial secretary
CAPITALS
500 crores
500 crores
500 crores
100 crores
100 crores
100 crores
8500 crores
1000 Crores
2000 crores
20000 crore
500 crores
PERCENTAGE
100%
100%
100%
49%
100%
74%
49%
100%
49%
51%
26%
49%
49%
49%
100%
20%
49%
100%
49%
100%
100%
100%
CHIEFS
Ajith doval
Nripendra mishra
P.K.Mishra
Rajiv Topro
Arvind Subraminam
Hasmuk adia
Ratan p.Watal
10 | P a g e

EXTERNAL TRADE
Total external debt
long term debt
Short tem debt
Multeral debt
Bilateral debt
IMF
Export credit
ECB exteranl commercial
borrowing
NRI
deposits
Ruppee debt
Sovereigh debt
In Billions
475.8
391.1
48.7
52.6
21.7
21.7
12.8
181.9
115.2
1.5
89.6
FIRST IN FIRST OUT

Amrut scheme started at
First smart city nomination
First swachh bharat
Top state in visiting Tourist
First Green Field private airport
First Airport with solar port
First indian city HQ for world Tourism
First state to implement " SHE
First SHE BUS
1st happiest city
First green police station
First VMP ( village monitoring project
First full fledged solar state
World largest & Tallest flag
Best e Panchyat
First kisan call centre
First issue of soil health card
First soil health card project
100% financial inclusion
DD KISAN channel launches
Digital india week
National earth hour capital
STATES
Rajasthan
Puducherry
Mysore
Tamilnadu
Andal (WB)
Cochin
Kochi
Kerala
Kerala
LG chandigarh
Maurice nagar
Newdelhi
Harayana
Rajasthan
Faridabad
Assam
Agartala ,
Tripura
Punjab
Rajasthan
PMJDY
Meghalaya
Newdelhi
Newdelhi
Thane
Cabinet secretary
Commerce secretary
Corporate Affairs
Secretary
Home secretary
Pseb chairman
Defense secretar
ITPO
Scientific advisor
DRDO
Principle scientific
advisor
Foreign secretary
Defence secretary
Pradeep kumar
sinha
Rita A. Teotia
Tapan Ray
Rajeev Meharshi
Ajit Kumar seth
Mohan Kumar
L.C.Goyal
G.S.Reddy
S.Christopher
R.Chidambaram
jaisankar
Mohanreddy
BALANCE OF TRADE
Reserve money --Net nonFER -- Foreign exchange reserves
FII inflows
CPI
WPI
IIP
Fiscal defecit
Revenue defecit
TRADE defecit
exports
Imports
IN bn
8,468.47
$353.069
$ 4092
4.4%
(-4.54)%
6.4%
4%
2.8%
$ 10.8
15.8
13.40%
Bandhan Bank
First micro finance company to get converted into bank

HQ- Kolkata
Started its operation on 23rd Aug & Inaugurated by Arun jaitley
Logo - image of diya
Tagline -Apka bhala ,Sabki bhalai
Starting Capital - Rs. 2570 cr
CEA - Ashok kumar Lahiri
MD & CEO -Founder of Bandhan Bank ,Chandra Shekhar Ghosh
11 | P a g e

Interest rate offered on saving account on deposits below 1 lakh rs - 4.25%
On term deposits - Max 8.5%
GOLD SCHEMES BUDGET 2015-16
1.Gold Deposit Scheme
Govt proposes to introduce Gold Monetisation Scheme (Gold Deposit Scheme). This scheme will replace the
existing Gold Deposit and Gold Metal Loan Schemes.
**Importance of Scheme >You can go to a Bank ( PSB & private bank) and deposit your physical gold in Metal
Account (this account may be linked to your Savings a/c). Banks will assess the purity and value of your gold. Banks
will then credit your metal account with points (similar to stock units in Demat account). These points represent the
value of your physical Gold.
*Banks benefits The Banks will lend gold to Jewelers on little higher interest rates. So, banks may earn profits.
2.Sovereign Gold Bond
The Finance Minister also announced the development of an alternate financial asset, a Sovereign Gold Bond, as an
alternative to purchasing metal gold.
#Note --You can invest in Gold Deposit Scheme if you already possess physical gold. But, If you are planning to buy or
invest in Gold, Govt wants to provide an alternate to buying physical gold i.e., Gold Bonds.
**importance of Scheme You (investor) can visit a Bank and buy these Gold bonds at the prevailing price of gold.
These bonds will carry fixed rate of interest (like Bank FD). The rate of interest can be in the range of 1% to 2%.
Benefits to banks__
*Banks can have another stream of income through Gold Monetisation deposit scheme.
*Banks have the freedom to set their own interest rates on the gold deposits.
*Banks can also use the deposited gold to make coins and sell them to the public.
*Banks can lend the gold deposits to Jewelers at higher rates and earn margin (income).
*There is also a proposal to allow the banks to use the deposits to meet statutory requirements like CRR & SLR.
3.Gold coins with Ashok Chakra
Government will also introduce Indian Gold Coin, which will carry the Ashok Chakra on its face. This may help in
reducing the demand for coins minted outside India and also help to recycle the gold available in the country.
RBI licence nod 2015
PAYMENT BANK license under nacheket mor 11 applicants out of 41
1.Aditya Birla Nuvo Limited
2.Airtel M Commerce Services Limited
3.Cholamandalam Distribution Services Limited
4.Department of Posts
5.Fino PayTech Limited
6.National Securities Depository Limited
7.Reliance Industries Limited
8.Shri Dilip Shantilal Shanghvi
9.Shri Vijay Shekhar Sharma
10.Tech Mahindra Limited
11.Vodafone m-pesa Limited
Small banks -UNDER usha thorat -- 10 out of 72 applicants
1. Au Financiers (India) Ltd., Jaipur
2. Capital Local Area Bank Ltd., Jalandhar
3. Disha Microfin Private Ltd., Ahmedabad
4. Equitas Holdings P Limited, Chennai
5. ESAF Microfinance and Investments Private Ltd., Chennai
6. Janalakshmi Financial Services Private Limited, Bengaluru
7. RGVN (North East) Microfinance Limited, Guwahati
8. Suryoday Micro Finance Private Ltd., Navi Mumbai
12 | P a g e

9. Ujjivan Financial Services Private Ltd., Bengaluru
10.Utkarsh Micro Finance Private Ltd., Varanasi
RBI hanged two new bank licences to applicants BANDHAN , IDFC from a field of 25 competitors
SUSPENSION __
RBI whose licences 7 NBFCs were suspended are
1.Religare Finance
2.Artisans Micro Finance
3.Eden Trade & Commerce
4.RCS Parivar Finance
5.Nott Investments
6.Dewra Stocks & Securities
7.Swetasree Finance.
+ SAHARA ( August 2015)
WINNERS OF BANKING AWARDS 2015

1. Best public sector bank overall-----SBI Bank
2. Best pvt sector bank overall---------HDFC Bank Ltd
3. Best Foreign bank overall------------Citibank N.A.
4. Best foreign bank-Asset quality------Deutsche bank ag
5. Best PVT SB Asset quality------------HDFC bank ltd
6. Best PUB SB Asset quality------------Vijaya Bank
7. Best PUB SB-Retail growth performance-----Canara Bank
8. Best PVT SB- Retail growth performance-----Kotak Mahindra bank ltd
9. Best PUB SB-Priority sector lending------Canara bank
10. Best PVT SB-Priority sector lending------RBL Bank Ltd
11. Best PUB SB-Retail--------------------------SBI bank
12. Best PVT SB-Retail----------------------------HDFC bank ltd.
13. Best Foreign Bank-Retail-------------------CITIBANK N.A.
14. Best PUB SB-Rural Reach-------------------SBI Bank
15. Best PVT SB-Rural Reach------------------AXIS BANK
16. Best PUB SB-Technology Adoption------SBI bank
17. Best PVT SB-Technology Adoption-------HDFC Bank
18. Best PUB SB-Global Business-------------BOB
19. Best Pvt SB-Global Business---------------ICICI Bank
List of winner of Arjuna Award 2015:

Rohit Sharma (Cricket)

Jitu Rai (Shooting)
P R Sreejesh (Hockey)
Babita (Wrestling)
Dipa Karmakar (Gymnastics)
Sandeep Kumar (Archery)
M R Poovamma (Athletics)
Sharath Gaekwad (Para-Sailing)
Yumnad Santhoi Devi (Wushu)
Anup Kumar Yama (Rollerskating)
Abhilasha Mhatre (Kabaddi)
Manjeet Chhillar (Kabaddi)
Sathish Sivalingam (Weightlifting)
Swarn Singh Virk (Rowling)
K Srikanth (Badminton)
Bajrang (Wrestling)
Mandeep Jangra (Boxing)
13 | P a g e

Five coaches from different sports recommended for the Dronacharya Award 2015.

Naval Singh (Para- Athletics)

Anoop singh Dahiya (Wrestling)
Swatantra Raj Singh (Boxing)
Nihar Ameen (Swimming)
Harbans Singh (Athletics)
Dhyanchand award -2015

S.p.Mishra -- Tennis
Nayar -- Volley ball
Romio James -- Hockey
NOBLE PRIZE WINNERS -2015

Nobel Prize Categories
Nobel Prize 2015 Winners
First in World (Year)
INDIANS / NRI
Nobel Prize in Physics
Takaaki Kajita and

Arthur McDonald
Wilhelm Rontgen (1901)
Nobel Prize in Chemistry
Tomas Lindahl, Paul Modrich

and Aziz Sancar.
Jacobus Henricus Vant

Hoff (1901)
C.V. Raman (1930),

Chandrasekhar (NRI) (1983)
Venkatraman Ramakrishnan
(2009)
Nobel Prize in Physiology

or Medicine
Nobel Prize in Literature
William C. Campbell, Satoshi

Omura and Youyou Tu
Emil Adolf von Behring

(1901)
Har Gobind Khorana (1968)
Svetlana Alexievich
Sully Prudhomme (1901)
Rabindranath Tagore (1913), V

S Naipaul (NRI) (2001)
Nobel Prize in Peace
National Dialogue Quartet
Henry Dunant, Frederic

Passy (1901)
Mother Teresa (1979), Rajendra

K. Pachauri (2007)
SWEDISH Riksbank Prize

in Economics
Angus Deaton
Ragnar Frisch, Jan

Tinbergen (1969)
Amartya Sen (1998)
BANK APPs
STATE BANK OF INDIA
SBI- BUDDY ( Mobile wallet )
E forex SBI Bank &E-KYC SBI Bank
Youth for India Fellow ship program
Twitter handle account
Tab banking facility
State Bank Freedom App - State Bank of India
Boutique financing scheme
SBI -any where -- retail banking solutions
SBI m-CASH -- quick way money transfer solutions
SBI--contactless debit and credit cards
SBI-FEDERAL BANK _ Co-branded credit cards
SBI m Cash-Enables you to transfer money to anyone by just knowing their mobile number or e-mail I
SBI e-corners24 X 7--facilities to deposit, withdraw, transfer money, update passbook
Haj pilgrims from India will be provided State Bank of India's (SBI) foreign travel cards that can be
operated in any ATMs or cash points in Saudi Arabia
SBI-Quick -- Missed call banking
SBI Quick Transfer: Enables you to send upto Rs. 5000
PAY-PAL - CREDIT CARD /*PAY-NET - DEBIT CARD
SBI--contactless debit and credit cards__State Bank of India has launched contactless debit and
credit cards that enable users to make payments by waiving or tapping the card near the card reader
instead of swiping or dipping it, reports Our Bureau.
SBI-FEDERAL BANK _ Co-branded credit cards __
Federal Bank & SBI forayed into the credit card segment through the launch of co-branded credit
cards in partnership with SBI Cards, a leading credit card issuer.
14 | P a g e

SBI launches RuPay platinum debit card with NPCI_ State Bank of India launched a RuPay
platinum debit card in association with National Payment Corporation of India (NPCI). The RuPay
card comes with a special feature for the convenience of customers that is accepted at all payment
channels-ATMs, PoS and e-commerce.
SBI- CITI BANK__ Air India may tie up with SBI, Citibank to raise funds through ECB
SBI-home loan rates for women_ which offer loans to women at 9.85 percent
SBI-INTOUCH_DIGITAL SERVICE launched in delhi , chennai, bangulure,mumbai.
SBI- COUNTRY first bank to set-up payment gateways to entire govt entities & small trades in
online market.
SBI -launched digital banking facilities . e-KYC , tab banking for customers.
SBI started accounts on_twitter , youtube , facebook
Other PUBLIC SECTOR BANKS
AB Aashiana Scheme Allahabad housing scheme --Maximum Amount: Up to Rs 500 Lac.
Canara Mobile Wallet (m-Wallet)--existing limit of Rs. 5,000/- per day per customer to Rs. 1,00,000/per day per customer with a monthly cap of Rs. 1,00,000/ CanMobile A mobile banking product to our customers. It is simple, safe, secure, swift and instant.
BOB Suvidha Fixed Deposit Scheme--A product offering a combination of competitive interests as
well as easy liquidity.
Cent-lakhpathi scheme by central bank of india
Corp Kiran -- NGOs, SHGs, State Governments, District Administration, local bodies
CORPORATION BANK -- APKE DUKAN --LOAN TO OWN A SHOP
DENA e TRADE (On Line Trading in shares)
MAHA mobile banking
Bank of Maharashtra Introduces Purple Privileges Account for HNIs
ECGC signs MOU with ECAs of BRICS countries
Bharatiya Mahila Bank wins The Asian Banker Achievement Award 2015
Bharatiya Mahila Bank Launches Doctors Loan and Her Auto Loan
Exim Bank of India has signed an MOU with the Brazilian Development Bank
IDBI "GO mobile " BANKING
SYND SMART GEN -- small account for childrens education
SYND SMART she -- saving products for women
e-Purse DEBIT CARDS
INDPAY -- MOBILE BANKING
IOB Launch IOB m Passbook, IOB Mobile and IOB Self Passbook Kiosk-- ON august 15th 2015
UMOBILE- a milestone in banking field- provides the customers a secure and convenient means of
banking and commerce from anywhere anytime
Kisan ATMs in rural areas to serve the customers of our remote rural branches.
Mobile Banking- "OBC mPAY"
OBC --PMEGP e-Tracking System
Tied up with canara bank , hsbc for insurance products
OBC e-Shoppe--online shopping and other utility payments through various consolidators.
UNITED MBANKING -- Mobile banking facility
United quick pay -- e banking facility
Bank has launched PNB Ladli scheme for popularization of education among girls of Rural / Semi
urban areas.
PNB Ujala Scheme for providing 4 solar street lights in the
adopted villages and a solar lantern to each girl student adopted under PNB Ladli Scheme
V Genuth Savings Bank Account(Vijaya bank)--Saving Bank account designed for Children - Age day
1 and above. Students undergoing various courses are also eligible
15 | P a g e

V-ABACUS Tab Banking offers the convenience of opening a bank account for customer, from home
or office. With ABACUS Tab Banking, customer can now enjoy a faster and smoother account
opening experience with VIJAYA Bank
PRIVATE BANK APPs
ICICI--Smart vault --safety digital locker system
Digital banking "POCKETs"
Student travel card
M -pesa - icici+vodafone
I-Mobile app for windows phone
Digital village akodara--gujarat
Branch on wheel --Odisha
Speech recognization password
ICICI --TAP & PAY --it transfer with moment or payments out of cash
Digital Village Project in Akodara Village of Gujarat ICICI Bank
Indias first transparent credit card in association with American Express ICICI
HDFC --- launched a 10 second paperless instant loan plan
HDFC Bank launches Pay Zapp--- first 1-click mobile-pay solution
HDFC -- secure + -- high security & safe cards
HDFC-- i watch banking -apple
DDA Housing Scheme 2014 - HDFC Bank
HDFC --Hajj Umrah Card-- HAJJ piligrims
HDFC Bank Limited has launched an exclusive 'ForexPlus' card for people making the Haj and
Umrah pilgrimages
HDFC Bank launches Chillr -- phone book can send immediate money
ASHA home loan -- online loan access upto 25lakhs
Ping n pay- axis bank
AXIS kisan card -- CREDIT to farmers
Airtel money AXIS BANK+AIRTEL
Video conferencing Indusind & federal bank
Facebook-based funds transfer platform KayPay Kotak Mahindra Bank
Fedbook Selfie App(Indias first mobile app for bank account opening) Federal Bank
BANKS CMD & HEAD QUARETER & TAGLINES

BANK NAME
CMD
HEADQUARTER
TAGLINE
StateBank of India
Arundhati Bhattacharya Mumbai

(Chairman)
Jyoti Ghosh ,MD
Jaipur
The banker to every Indian.
Santanu Mukherjee,MD Hyderabad
Modern.Innovative.Dependabl
e
Blending Modernity with
Tradition
Working for a better
tommorow.
A long tradition of trust.
State Bank of
Bikaner & Jaipur
State Bank of
Hyderabad
State Bank of Patiala
State Bank of
Mysore
State Bank of
Travancore
S. A. Ramesh
Rangan,MD
Sharad Sharma,MD
Patiala
Jeevandas Narayan,MD
Thiruvananthapuram
Bengaluru
The Nation banks on us.
16 | P a g e

Nationalised Banks
BANK NAME
Allahabad Bank
Andhra Bank
CMD
Rakesh Sethi
Satish Kumar Karla
(Additional charge)
P.S .Jaykumar
Melwyn O Rego
Bank of Baroda
Bank of India
Bank of Maharastra
Canara Bank
Central Bank of India
Corporation Bank
Dena Bank
Indian Bank
Indian Overseas Bank

Oriental Bank of
Commerce
BANK NAME
Punjab & Sind Bank
Sushil Muhnot
Rakesh Sharama
Rajeev Rishi
Sadhu ram Bansal
Ashwini Kumar
Mahesh
KumarJain(Additional
charge)
R.Koteeswaran
Animesh Chauhan
HEADQUARTER
Kolkata
Hyderabad
Vadodara,Gujarat
Mumbai
India's International Bank.

Relationship beyond
banking.
Pune
One family One Bank.
Bangalore
Together we can.
Mumbai
Central to you since 1911.
Mangalore,Karnataka Prosperity for all
Mumbai
Trusted Family Bank
Chennai
Your Tech Friendly Bank
Chennai
Gurgaon,Haryana
CMD
S.Jatinder bir singh
HEADQUARTER
New Delhi
New Delhi
IDBI Bank
Usha
Ananthasubramaniyam
Arun Shrivastava
Arun Kaul
Arun Tiwari
P.Srinivas
Kishore kumar sansai
Usha
Ananthasubramanian
Kishore piraji kharat
NABARD
Harsh Kumar Bhanwala Mumbai
Exim Bank
Yaduvendra Mathur
Mumbai
ECGC
Geetha Muralidhar
Mumbai
Punjab National bank

Syndicate Bank
UCO Bank
Union Bank of India
United bank of India
Vijaya Bank
Bharatiya Mahila Bank
TAGLINE
A tradition of trust.
Where India Banks
Manipal,Karnataka
Kolkata
Mumbai
Kolkata
Bangalore
New Delhi
Mumbai
Good people to grow with

Where every individual is
commited
TAGLINE
Where service is a way of
life
The name you can bank
upon
Faithful and Friendly
Honours Your trust
Good people to bank with
The bank that begins with u
A friend u can bank upon
Empowering Women,
Empowering India.
Banking for allAAo Sochein
Bada
Revitalizing rural India

through urban support
Together towards
Tomorrow.
You Focus on Exports.We
cover the risks.
Private Sector Banks

BANK NAME
Axis Bank
ICICI Bank
YES Bank
HDFC Bank
IndusInd Bank
Chairman
Sanjiv Misra
R.Seshasayee
MD&CEO
Shikha Sharma
Chanda Kochhar
Rana Kapoor
Aditya Puri
Romesh Sobti
HEADQUARTER
Mumbai
Mumbai
Mumbai
Mumbai
Mumbai
TAGLINE
Badhti ka naam Zindagi
Hum Hai Na,Khyal Apka
Experience our expertise
We understand your world
We make u feel richer
17 | P a g e

Kotak Mahindra
Bank
Catholic Syrian
Bank
City Union Bank
Uday Kotak
Mumbai
Lets make money simple
S.SanthanKrishnan Anand
Krishnamurthy
N.Kamakodi
Thrissur,Kerala
Support all the way.
Kumbakonam
Dhanlaxmi Bank
Federal Bank
T.Y.Prabhu
Abraham Koshy
Jammu&Kashmir
Bank
Karnataka Bank
Mushtaq Ahmad
Trust and Excellence since

1904
Tann.Mann.Dhan
Your perfect Banking
Partner
Serving to Empower
P Jayarama Bhat
Karur Vysya Bank Katta Pradyumna

kumar
Lakshmi Vilas
Bank
Nainital Bank
Suresh Kumar
Gupta
Ratnakar Bank
South Indian
Bank
Tamilnad
Mercantile Bank
G.Sreeram
Thrissur,Kerala
Shyam
Kerala
Srinivasan
Mushtaq Ahmad Srinagar,J&K
Mangaluru,
karnataka
K.Venkataraman Karur
Rakesh Sharma
Suresh Kumar
Gupta
Vishwavir Ahuja
V.G.Mathew
HS Upendra
Kamath
HS Upendra
Kamath
Your Family Bank across

India
Smart way to Bank
Karur
The changing face of

prosperity
Nainital,Uttarakh Banking with personal
and
touch
Kolhapur,Mahar
ashtra
Thrissur,Kerala
Experience next generation
Banking
Tuticorin
Be a step ahead of life
INSURANCE COMPANY TAGLINES & THEIR HEAD'S

LIC-- yogakshem-- S.K.Roy

Max life insurance company ltd-- Apka sachhe advisor--Rajesh sud
New india assurance company ltd-- India's premier general insurance company-G.srinivasan
SBI life insurance-- with us your are sure--Arjit basu
United india insurance company ltd--Rest assured with us--Milind a kharat
Oriental insurance company ltd-- Prithive,Agni,JAL,Akash,sabki surakaha hai humarae pass--A.k.saxena
kotak mahindra old mutual life insurance-- Faidey ka insurance--Gaurang shah
Max new York life insurance company ltd-- Karo zydha ka irada
Apollo Munich health insurance--we know health kare--Anthony Jacob
Pnb met life -- Have you met life today--Tarun chugh
Future general life insurance--Ek shagun zindagi me naam--Munish sharda
Aviva india life insurance Kall per controrl-Ramachandran
Tata AIA life insurance---Ishant Hussain
ICICI prudential- zimmedari ka humsafar- Sandeep bakshi
Hdfc standard life insurance company ltd-- Sar utha ke jiyo- Amitabh chavdhary,vibha prabakar
Bajaj alliance-jiyo befiquar--Anuj agarwal
Birla sun life- muskurate raho-- Pankaj razdan
Max bupa health insurance--your health first-- Anup Singh
Exide life insurance--Adding life to insurance--kshitis jain
TARGETS of NDA Government

PMJDY 2016 Jan --10 crore accounts
Sansad adarsh gram yojana 2016 ( 100% Literacy by march 2016 in villages)
Digital broad band 2017
18 | P a g e

Beti bachvo Beti padavo --2017(gender equality)

Swach bharat abhiyan _2019
Rurbanmission --2020
Solar power 1 GW power 2020
FAME ( Faster adoption and manufactuirng of hybrid & electric vehicles ) 2020
Government vision of energy security scenerion _ 2047, 2.0 175GW by --2022
Housing for all --2022
Electricity for all 2022
UN Report Most populous country --2022
National skill development --20 lakh __2020
UN-SDGsSustainable development goals 2030
MODI VISITS
USA visit 24-30 September
In a four day visit to US, Modi not only met US President Barack Obama, but also sought to invite
investment from prominent CEOs and urged the Indian-American community to take up a greater role in the
development of India.
Modi-Obama joint statement:
Modi and Obama sought to reset ties between India and the United States as both leaders had an extended
discussion in the White House, resolving to broaden their cooperation in various fields including defence,
intelligence, counter-terrorism, Afghanistan, space exploration and science.
He said the US was an integral part of India's Look East, Link West policy.
India supports trade facilitation at the WTO.
India wants to resolve hurdles in the way of the civil nuclear agreement as this was important for the country's
energy security, Modi said.
discussed international situation, security issues and Middle East violence and extremism.
Joint editorial:
Forward together we go - chalein saath saath, that's the message sent out by Modi and Obama in their joint
editorial for Washington Post.
The promise of a better tomorrow is not solely for Indians and Americans: It also beckons us to move forward
together for a better world. This is the central premise of our defining partnership for the 21st century. Forward
together we go - chalein saath saath," the editorial read.
The article evoked names like Swami Vivekananda, Martin Luther King, Mahatma Gandhi and Henry David
Thoreau, and called for exploring ways in which businesses, scientists and governments can partner between
the two countries.
Madison Square Garden pitch:

3D Mantra, skill development, talent pool and India's bright economic prospects - these formed Modi's pitch to
the Indian American community at the Madison Square Garden.
"Just like Mahatma Gandhi made freedom struggle a national movement, we have to make development and
progress a people's movement. 1.25 billion people should work for the betterment of India," Modi urged. "I am
sure that now an atmosphere has been created where every Indian wants go work for the nation," Modi said.
Modi also spoke extensively of his government's initiatives for the economy and people, including Jan Dhan
Yojana and 'Make in India'. "I invite all of you to come, make in India," Modi said. He also invited suggestions for
development on mygov.in website.
Modi said that people keep asking him for a 'grand vision. "I am an ordinary, small person. But I want to do big
things for small people. People have exaggerated ideas about what a PM should do. I want to break that
misconception," Modi said.
19 | P a g e
Work for G-All :Modi at UNGA:

Touching upon a wide range of subjects - centred around collective world development - Modi in his speech at
the UN General Assembly called for work in the direction of a sustainable world.
Modi also spoke elaborately on terrorism and raked up the issue of ties with Pakistan. Modi asserted that any
talks with Pakistan could only talk place in a peaceful atmosphere without the 'shadow of terrorism'. "I am
prepared to engage in a serious bilateral dialogue with Pakistan in a peaceful atmosphere, without the shadow
of terrorism, to promote our friendship and cooperation," Modi said. However, Modi added that Pakistan must
also take its responsibility seriously to create an appropriate environment.
Lifetime visas for PIOs:

Modi promised that that Persons of Indian Origin (PIO) cardholders will get lifetime Indian visa and that
American tourists will be given visa on arrival.
Modi announced the merger of PIO and Overseas Citizens of India schemes to facilitate hassle-free travel to the
Indian diaspora. He announced that PIO card holders staying in India on long-term basis will no longer have to
report to the local police station.
Within hours of an announcement to that effect by Modi, the Home Ministry has notified new rules stipulating
that all NRIs holding PIO cards will now get lifelong entry to India.
Breakfast with CEOs:

Modi pitched India to some of the largest global investors and financiers, asking them to look afresh at the
country and urging them to shed any fears that they might have developed about investing in the country in
recent years.
Over a series of one-on-one meetings and a power breakfast, Modi met the top bosses of financial biggies such
as BlackRock's Laurence D Fink, Lloyd Blankfein of Goldman Sachs and KKR's Henry Kravis, and CEOs of
manufacturing firms, such as Boeing's James McNerney, Jeffrey Immelt of General Electric and IBM's Virginia
Rometty.
Other top executives he met included Eric Schmidt (Google), Kenneth Frazier (Merck), David W Maclennan
(Cargill), Andres Gluski (AES), David M Rubenstein (Carlyle Group), Douglas Oberhelman (Caterpillar), Charles R
Kaye (Warburg Pincus), Michael L Corbat (Citigroup), as well as India-born Indra Nooyi of PepsiCo and
Mastercard's Ajay Banga -with assets under management and revenues.
PepsiCo CEO and chairperson Nooyi said US industry was "very happy" to be working with a PM who answers
questions brilliantly and is focused on improving the country.
In response to Modi's call for investment in India, Blackstone is set to organise a global investors' summit in
India early next year.
The PM highlighted his government's focus on creating a predictable and stable investment climate and making
it easier to do business in India, a fact he repeated several times during his breakfast meeting with the CEOs in a
bid to allay one of the biggest concerns of investors.
Reaching out to Obama and Americans:

Keeping in mind the two people Obama admired most, Modi personally chose gifts for him which included a
'Gita by Gandhi' in Khadi cover and audio-video clips from the 1959 India visit of Martin Luther King.
In a rare gesture, Modi and Obama visited the Martin Luther King Jr. Memorial and paid a joint homage to the
leader of African-American Civil Rights Movement. In a last minute change of plan, Obama joined Modi to pay
homage to the American stalwart.
Modi also addressed a star-studded rock concert. Modi praised youths for their "can do" attitude which has the
power to transform India and the world.
Addressing nearly 60,000 people gathered at Central Park for the Global Citizen Festival, Modi said he was
delighted to be among the youth at an open park and not inside a closed conference room.
20 | P a g e

Amid performances by Jay Z, Beyonce and other singers, Modi was introduced to the crowd by actor Hugh
Jackman as someone who started as a "tea salesman" and went on to become Chief Minister of Gujarat and
then Prime Minister of India with a huge mandate.
United Arab Emirates 16-17 August

India and UAE will promote collaboration & inter-operabilty for humanitarian assistance & evacuation in natural
disasters & conflict situations.
India and UAE will strengthen cooperation in law enforcement, anti-money laundering, drug trafficking,
extradition arrangements.
India and UAE to establish UAE-India Infra Investment Fund of $75 billion
Prime Minister Modi visited the Sheikh Zayed Grand Mosque in Abu Dhabi and signed in the visitor's book,
saying, It (the mosque) will serve to remind generations about the extraordinary vision and leadership of the
president of UAE, his highness Sheikh Zayed bin Sultan AL Nahyan.
Narendra Modi on Monday addressed the Indian diaspora at the Dubai International Cricket Stadium. About
50,000 Indian expatriates had registered for Marhaba Namo
UAE trip by visiting Masdar City, a hub of clean tech and S&T innovation.
Tajikistan 12-13 July 2015

KEY AREAS--Trade , economic intergration
Modi's visit to Tajikistan would give an impetus to bilateral ties between New Delhi and Dushanbe.
key points --Capital --Dushanbe, Currency--Tajikistani somoni, president--Emomali Rahmon,
primeminster --Kokhir Rasulzoda.
Kyrgyzstan 12 July 2015
Modi signed four agreements including one on bolstering defence cooperation and holding annual
joint military exercises.
Defence Cooperation, Election , Bureau of Indian Standards , Cooperation in Culture
KEYPOINTS--Capital --Bishkek, Currency-- Kyrgyzstani som, President --Almazbek Atambayev
Turkmenistan 10-11 July 2015
Narendra Modi on Saturday pitched for early implementation of the $ 10 billion TAPI gas pipeline
project
7-pacts signed --Including defence & tourism, Cross-border threats of terrorism, Organised crime ,
Illegal drug-trafficking , Reaffirmed their commitment for a stable Afghanistan, Land-sea route through
Iran for the pipeline should be explored, Enhancing connectivity-- TAPI
TAPI (Turkmenistan-Afghanistan-Pakistan-India) --operational by 2018 and will carry gas from
Turkmenistans Galkynysh field that holds gas reserves of 16 trillion cubic feet.
KEY POINTS--Capital--Ashgabat, Currency-- Turkmenistan manat, President -Gurbanguly
Modi and Sharifs Meet in Ufa
Tackling Terrorism, Military Meeting, Freeing Fishermen, Religious Tourism, Mumbai Terror
Attack
KEY persons _ India modi , Foreign secretary -- S.jai shankar, NSA -- Ajit Doval
PAKISTAN --PM -- SHARIF, Foreign secretary-- Aizaz Chowdary, NSA-- Sartaj aziz
Russia--7th BRICS summit & SCO summit 810 July 2015
Modi to attend BRICS and SCO summit in Ufa_
Attend 7th BRICS summit and (SCO) in Ufa, Russia.
Theme BRICS -- "powerful factor for Global Development"
India & pakistan got the member ship in SCO ; SCO --Headquarters_ Beijing, China
Members_ China, Kazakhstan, Kyrgyzstan, Russia, Tajikistan, Uzbekistan, Pakistan, India -Observers_ Afghanistan, Belarus, Iran, Mongolia
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Kazakhstan 7 July 2015
Will supply 5,000 tonnes of uranium to India during 2015-19, PMs visit to Kazakhstan is expected
to give a fillip to the civil nuclear deal signed in 2009.
Caspian Sea oil block drilling agreement, that India has 25 per cent stake in. India and Kazakhstan
could also be finalising agreements on mining, mineral and oil and gas projects, which include iron
ore, coal and potash exploration.
KEY POINTS _Capital --Astana, Currency--Kazakhstani tenge, President --Nursultan Nazarbayev,
Prime minster -Karim Massimov
Uzbekistan 6 July 2015
Modi said the contract to do so, which was signed in 2013 to supply 2,000 metric tons of uranium
ore concentrate over five years
3-PACTS on Strengthening cooperation, cooperation on cyber-security, special economic zones
MOUs signed on Political ties,Security, Counter-terrorism, Trade and investment, Science and
technology , Cultural linkages.
Key points -Capital --Tashkent, Currency--Uzbekistani som, President --Islam Karimov, Prime
minister--Shavkat Mirziyoyev.
BANGLADESH_June 6 7 2015
Modi discussed the ratification of te India-Bangladesh Land Boundary Agreement - 1974 &
Protocol- 2011. & Testa water issue
Total -22 aggrements including on curbing human trafficking, smuggling of fake currency and
setting up an Indian Economic Zone, to boost bilateral ties
Agreements on two key bus services were also reached; including the Kolkata-Dhaka-Agartala
another Dhaka-Shillong-Guwahati route was also flagged off by the three leaders.
Memorandum of Understanding for Extending a New Line of Credit (LoC) of USD 2 billion by India
to Bangladesh was signed.
Capital: Dhaka , Currency: Bangladeshi taka , PM: Sheikh Hasina,President: Abdul Hamid
MODI SCHEMES
Pradhammantri jandhan yojana --financial inclusion
Accidental insurance cover of Rs.1.00 lac & No minimum balance required,life insurance cover of
Rs.30,000/- & operation of the account for 6 months, an overdraft facility will be permitted &
Accidental Insurance Cover, RuPay Debit Card must be used at least once in 45 days, Overdraft facility
upto Rs.5000/- is available in only one account per household.
By 28 January 2015, 12.58 crore accounts were opened, with around 10590 crore
launched on --15 August 2014, location --viganan bhavan , new delhi
Total PMJDY accounts so far as on oct 10th 25000 crores accounts ; total credit 25147 cr
Sukanya samridi account -- For girl child
Interest rate of 9.2% --2015-16
The maturity of account is 21 years from the date of opening of the account or Marriage of the Girl Child
Initial deposit of Rs 1000 and thereafter any amount in multiple of Rs 100 can be deposited subject to
max limit of 1.5 lakh & Age of 10 years, a girl child can operate her account
launched - 22 January 2015, location --Haryana, panipat ,Brand ambasdor -- Madhuri dixit
MUDRA Bank Yojana --Financial inclusion
Micro Units Development and Refinance Agency Ltd (MUDRA) Bank on 8 April, 2015 with a corpus
of Rs 20,000 crore and a credit guarantee corpus of Rs 3,000 crore.
Mudra bank Extend finance and credit support to Microfinance Institutions (MFI) and agencies that
lend money to small businesses, retailers, self-help groups and individuals& SC& STs & BCs
MUDRA --SHISHU 50000; KISHOR 50000 to 5 lakh ; Tarun 5 lakh to 10 lakhs
SIDBI-- SMEs credit & limitations
MANUFACRING SECTOR (investments limit for support of machinery & tools)
Micro--25lakhs
Small--25lakhs--5crores
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Medium--5crores--10crores
SERVICE SECTOR
Micro--10 LAKHS
Small--10lakhs--2crores
Medium--2crores--5crores
Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY)- Social security scheme
Bank account holders aged between 18 and 50 years are eligible to apply for this scheme
Premium is fixed at Rs. 330 for a life cover of Rs. 2 lacs.
June 1st, 2015 to May 31st, 2016 is the period for which this scheme will cover all kind of risks to your
life in the first year of operation. Next year onwards as well, the risk cover period will remain June 1 to
May 31.
launched--9 May 2015 , , location --Kolkata
Pradhan Mantri Suraksha Bima Yojana (PMSBY)-- Social security scheme
Bank account holders aged between 18 years and 70 years are eligible to apply for this scheme.
just Rs. 12 in annual premium for having an accidental death or disability cover of Rs. 2 lacs under
this scheme
Insured for a period of one year from June 1, 2015 to May 31, 2016. Next year onwards as well, the
risk cover period will remain to be June 1 to May 31.
launched--9 May 2015 , , location Kolkata
Atal Pension Scheme -- Social security scheme
Minimum age of joining APY is 18 years and maximum age is 40 years
Would receive the fixed monthly pension of Rs. 1000 to Rs 5000 at the age of 60 years
Pension of Rs 1000 he would contribute Rs 181 a month. On his death his wife would get Rs 1000
per month and after her death the nominees will get 1.7 lakh.
Kisan Vikas Patra (KVP) Re-Introduced -saving certificate scheme
Denomination of Rs. 1000, 5000, 10,000 and 50,000, with no upper
lock-in period of 2 years and 6 months
Double in 100 months
Maturity period of 8 years 4 months
Interest rate--8.7%
Pradhan Mantri Gram Sinchai Yojana - Micro irrigation
Micro irrigation & ensure water supply to farmers round the year.
basic contours of the agri-irrigation programme would be on lines of the PMGSY
Budget allocation --5300 crores
Pradhan Mantri Sansad Adarsh Gram Yojana- Rural development
Under the Yojana, Members of Parliament (MPs) will be responsible for developing the socio-economic
and physical infrastructure of three villages each by 2019, and a total of eight villages each by 2024.
Target --6,433 Adarsh Grams, of the 2,65,000 gram panchayats, will be created by 2024
Funding -- through MP lads
Soil Health Card Scheme
Soil Health Card is used to assess the current status of soil health and, when used over time, to
determine changes in soil health that are affected by land management.
The scheme will provide all 145 million farm owners in the country with a soil health card in the next
three years.
The budget allotted Rs.100 crore for issuing cards and an additional Rs.56 crore to set up 100 mobile
soil testing laboratories across the country.
Programme started in rajasthan & first SHC issued in punjab
MAKE IN INDIA
India must become a manufacturing powerhouse in order to gainfully employ its demographic dividend
& Big labour pool and a large domestic market. In addition, with Chinas competitive advantage in
manufacturing eroding
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India has the opportunity to take some share of global manufacturing away from China.
stop tax terrorism & improve infrastructure
reform labour laws & invest in skills development
make it easier to acquire land & implement Goods and Services Tax (GST)
Some of the make in India initatives
Spice Group said it would start a mobile phone manufacturing unit in Uttar Pradesh with an investment
of Rs.500 crore
SAMSUNG --MSME-Samsung Technical Schools" will be established in India
Hitachi said it was committed to the initiative, It said that an auto-component plant will be set up in
Chennai in 2016
Huawei opened a new research and development (R&D) campus in Bengaluru
AIRBUS with MAHENDRA said that it will manufacture its products in India and invest $ 2 Billion
US dollars.
Marine Products Export Development Authority said that it was interested in supplying shrimp eggs to
shrimp farmers in India under the initiative
Tata JLR (Jaguar Land-Rover) announced that it will move its production of the Land Rover Defender
to its Pune facility in India in 2016
DIGITAL INDIA
KEY components of digital india
Digital infrastructure-to support national optic fiber
INTERNET OF THINGS (IOT)-essential building of smart cities
Foreign ICT investments -- make in india policy
9 pillars of digital india

Broadband Highways
Universal Access to Mobile Connectivity
Public Internet Access Programme
4.E-Governance Reforming government through Technology
eKranti Electronic delivery of services
Information for All
Electronics Manufacturing Target NET ZERO Imports
IT for Jobs
Early Harvest Programmes
DIGITAL INDIA intiatives

India's top billionaires pledged around Rs 4.5 lakh crore to projects related to Digital Indiagenerate
employments for some 18 lakh people.
government's Rs 1.13-lakh-crore Digital India programme
Tata Consultancy Services -will hire 60,000 IT professionals this year.
Reliance Industries Chairman Mukesh Ambani said his company would invest Rs 2.5 lakh crore
across different Digital India heads
Digital India where 1.2 billion connected Indians drive the nation," said the Prime Minister at the
launch of the Digital India Week
Kumar Mangalam Birla--350,000 towns and villages in India to provide mobile-based healthcare
and education services
Bharathi Mittal said spends over Rs 1 lakh crore in the next five years.
Rival telco Reliance Communications, pledged to invest Rs 10,000 crore to fund transformational
initiatives across the cloud, digital and telecom space.
Vedanta Resources Chairman Anil Agarwal, to provide education through digital medium, or eShikhsha.
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SKILL INDIA
Focus on creating jobs for youth, the government has decided to revamp the antiquated industrial
training centres that will skill over 20 lakh youth annually and devise special courses based on
industry needs.
will set up 1,500 new ITIs across the country and another 100-odd such centres in North East and
Left Wing Extremism affected states.
Creating 500 Million jobs by 2020
World Youth Skills Day on 15th July*
Smart cities
A smart city should be able to respond faster to city and global challenges than one with a simple
'transactional' relationship with its citizens
Key 'smart' sectors which includes--Transport, Energy , Health care& Water and waste
100 PROPOSED SMART CITIES
SMART CITIES - Assistance from other countries
SINGAPORE --100 smart cities across the country, USA--Ajmer , Ahmadabad, Vishakapatnam ,
JAPAN--Varanasi,
FRANCE --Pondicherry and Nagpur & gujarat ,SPAIN ---DELHI, ISREAL -- Maharastra , CHINA PUNE , CHINA - Andhrapradesh
JAPAN --MUMBAI, AUSTRALIA-- ATAL scheme, AUSTRIA -- JNNURM
GERMANY --3 more smart cities * no mentiones cities
CANADA -- Wooden multi-storey housing technology in urban cities
NOTE -- first smart city -- puducherry
Budget intiative -- 100 crores
Corpus --48000 crores & each smart city will get 100 crores for next 5 years
INDRADANUSH
To achieve full immunization coverage for all children in the country by 2020
The Union Health & Family Welfare Ministry will be supported by UNICEF, WHO, Rotary
International and other donor partners 82 districts are in the States of Bihar, Uttar Pradesh, Rajasthan and
Madhya Pradesh.
The plan aims at providing immunization for seven diseases which can be prevented by
vaccination:Whooping cough ,Hepatitis B, Diphtheria, Tetanus, Polio, Tuberculosis
Parma Jan Samadhan Scheme
Monitoring the availability of drugs, identify shortages, if any, and to take remedial steps and
Maintaining data on production, exports and imports, market share of individual companies,
profitability of companies etc, for bulk drugs and formulations
Rendering advice to the Central Government on changes/ revisions in the drug policy
Sansad adharsh gram yojana
Leveraging the leadership, capacity, commitment and energy of the Members of Parliament (MP) to
develop model Gram Panchayats.
Building partnerships with voluntary organisations, co-operatives and academic and research
institutions.
MPs or Sansads to identify and develop one village from their respective constituency as a model
village by 2016 and two more by 2019.
MPs are required to pick one village with a population of 3000-4000 in plains and 1000-3000 in hills
within a month of the launch.
smart schools with IT-enabled classrooms and e-libraries, Panchayat infrastructure improvement
under schemes such as MGNREGA and Backward Regions Grants Fund etc.
Deendayal Upadhyaya Gram Jyoti Yojana
strengthening of sub-transmission and distribution network, feeder separation, Metering at all levels
including at input points, feeders and distribution transformers.
It also seeks to strengthen Micro grid and off grid distribution network of rural electrification. Funds:
The scheme has budgetary outlay of 76,000 crore rupees for implementation of the projects of which
Union Government will provide grant of 63,000 crore rupees.
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It should be noted that, this scheme replaces Rajiv Gandhi Grameen Vidyutikaran Yojana (RGGVY),
which was launched by previous UPA government led by then PM Manmohan Singh.
Jyotigram Yojana scheme
Jyotigram Yojana is an initiative of the Government of Gujarat to ensure availability of 24-hour three
phase quality power supply to rural areas of the state and to supply power to farmers residing in
scattered farm houses through feeders having specially designed transformers.
The scheme was dedicated to the nation by President A. P. J. Abdul Kalam in 2006.
Stockholm International Water Institute (SIWI) has commended the scheme saying Jyotigram scheme
has radically improved the quality of village life, spurred non-farm economic enterprises, and halved
the power subsidy in agriculture.
Government of India is set to accept Gujarat's Jyotigram project as a flagship scheme for the 12th five
year plan.
AMRUT--Atal Mission for Rejuvenation and Urban Transformation
AMRUT mission aimed at transforming 500 cities and towns into efficient urban living spaces, with special
focus on a healthy and green environment for children.
The National Priority is to create infrastructure to provide basic services to households, amenities
This will improve the quality of life of all
Especially the poor and the disadvantaged.
The infrastructure should lead to provision of better services to people.
The Cabinet approved Rs 50,000 crore for this mission which is to be spent over the next five years
AMRUT -- upgraded vesrsion of JNNURM -- also called as -JNNURM-2
Shyama Prasad Mukherji Rurban Mission
Budgetary provision for the Pooled Municipal Debt Obligation Facility has been enhanced from Rs 5000
crore to Rs 50,000 crore with extension of the facility by five years to March 31, 2019
Scheme covers _
Urban renewal of cities and towns, four fundamental activities
safe drinking water and sewerage management
use of recycled water for growing organic fruits and vegetables
solid waste management
digital connectivity
Housing for All by 2022 scheme
Slum rehabilitation of Slum Dwellers with participation of private developers using land as a
resource;
Promotion of affordable housing for weaker section through credit linked subsidy;
Affordable housing in partnership with Public & Private sectors and
Subsidy for beneficiary-led individual house construction or enhancement.
TARGET -- 2 crore houses in urban & 4 crore houses in rural
PAHAL scheme Pratyaksh Hanstantrit Labh _ LPG debt scheme
The Direct Benefit transfer of LPG (DBTL) scheme PAHAL (Pratyaksh Hanstantrit Labh) has been
re-launched in 54 districts on 15 November 2014
in the 1st Phase and will be launched in the rest of the 622 districts of the country on 1 January
2015.
The scheme will cover over 15.3 crore consumers across 676 districts of the country. Currently over 6.5 crore
consumers i.e. 43% have already joined the scheme and will receive subsidy in their bank account.
KCC kisan credit card

Kisan Credit Card is a credit card to provide affordable credit for farmers in India. It was started by the
Government of India, Reserve Bank of India (RBI), and National Bank for Agriculture and Rural
Development (NABARD) in 1998-99 to help farmers access timely and adequate credit.
The Kisan Credit Card allows farmers to have cash credit facilities without going through timeconsuming bank credit screening processes repeatedly.
Repayment can be rescheduled if there is a bad crop season, and extensions are offered for up to four
years. The card is valid for five years and subject to annual renewals. Withdrawals are made using slips,
cards, and a passbook.
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Crop loan with Kisan Credit Card
Credit to farmers or groups of farmers for crop loans, working capital or investment credit for viable
agriculture purpose.
All farmers, owner cultivators, tenant cultivators, share croppers and individual farmers
Eligibility: Individual
Repayment period: With in A MAXIMUM OF 12 MONTHS.
Collateral Security: Registered mortgage of land in case loan is above Rs. 100000/- and hypothication of
crops to be raised.
Nai Manzil
To mainstream Madarsa students through bridge course with the help of reputed Academic Institutions.
To be implemented by Maulana Azad Education Foundation (MAEF).
Launched in 2014 by Ministry of Minority Affairs
USTTAD (Upgrading the Skills and Training in Traditional Arts/Crafts for Development)
The Scheme aims at upgrading Skills and Training in preservation of traditional Ancestral Arts/Crafts of
minorities.
4 Components of the scheme:
Up-gradation of Skills and Training in Traditional Arts/Crafts through Institutions.
USTTAD Fellowship for Research and Development.
Support to Craft museum for curating traditional arts/ crafts.
Support to minority craftsmen/artisans for marketing Nationally/ Internationally through Export
Promotion Councils
Launched in May 2015, in Varanasi by Ministry of Minority Affairs
Paramparagat Krishi Vikas Yojana
Announced in Budget 2015-16
Nodal Agency: Ministry of Agriculture
The scheme is aimed at irrigating the field of every farmer and improving water use efficiency to
provide `Per Drop More Crop.
Traditional methods of farming such as Organic farming will be encouraged so as to improve soil
health.
Soil Health Card Scheme has also been launched to improve soil fertility on a sustainable basis.
Nai Roshini
Leadership development scheme for minority women by Ministry of Minority Affairs.
National social security indicators & interest rates
EPFO-8.75%
PPF-8.7%
KVP(Kisan vikas patra)-8.7%-min --1000, max --50,000 Denomination,double in 100 months lock in
period 2.5 years (2 years 6 months
KCC-Kisan credit card Smart Card cum Debit Card.-- 7% interest rate ;KCC for 5 years
Sukanya samridhi yojana-9.2% (2015)
PMJJBY--18 and 50 years --of Rs. 330 is what you need to pay to get a life cover of Rs. 2 lacs.
PMSBY--18 years and 70 years , Rs. 12 for a cover of Rs. 2 lacs
ATAL PENSION SCHEME--under the age of 40, would receive the fixed monthly pension of Rs. 1000
to Rs 5000 at the age of 60 years
surkasha bandhan scheme --recipient can use these cheques by depositing in his or her bank
account for a realisable value of Rs 342 (Rs 12 + Rs 330) to cover one-year subscription to PMJJBY
and PMSBY.
PMJDY -12%--Accidental --1.00 lac, Life cover of Rs.30,000, overdraft --5000
Antyodaya Anna Yojana (AAY) -- Rs.2/ a Kg- wheat & Rs.3/ a Kg.--rice, Rs 1/ - Pulses.
GOVT . RECENT COMMITTES
Union Government formed a Committee to oversee 125th Bhim Jayanti celebrations--MODI
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Union Ministry of Finance constituted Committee on Revisiting & Revitalizing PPP Model--Vijay
Kelkar
Union Government constituted Task Force on Interlinking of Rivers--BN Navalawala
Union Ministry of Commerce and Industry committee to simplify clearances --Ajay Shankar
Union Government constituted SIT to reinvestigate 1984 anti-Sikh riot cases--Pramod Asthana
Union Government constituted to suggest a framework to assess CSR activities--Anil Baijal
Union Cabinet reconstituted Empowered Committee on setting up of Semiconductor Wafer FAB
projects--V K Saraswat
Committee recommended single window system for environment projects--Subramanium
Union Government set up to examine constitution of SIT on 1984 anti-Sikh riots-Mathur committee
Union Finance Ministry constituted High Level Committee to hear industry's tax issues--Ashok Lahiri
Union Government constituted committee to provide Bankruptcy code for SMEs--Vishwanathan
Panel submitted its report with guidelines on government ads--Madhava Menon
Committee reported most deemed universities not fit for being a university--H Devaraj
Union Finance Ministry constituted panel to evaluate unclaimed PPF--H R Khan
Bombay High Court set up Committee to conduct forensic audit of NSEL--V V Daga
Railway committes
Mobilization of Resources for Major Railway Projects &Restructuring-Bibek Debroy
ways and means to raise the revenue of Indian Railways__D.K.mittal
High Level Safety Review Committee under the chairmanship __ Dr. Anil Kakodkar
Indian Railways Vision 2020__Rakesh Mohan
Expert Group on Modernization of Railways _Sam Pitroda
Committee on Creative Financing for Indian Railways_ Montek Singh Ahluwalia
RECENT BILLS & ACTS passed
INDO -BANGLADESH land boundary bill __ 119th amendement_ Both houses
Repeating and amending bill -2015 __ both houses
The right of TRANSGENDER persons bill -2014 -- rajyasabha
Black money and imposition of tax bill -2015 -- rajyasabha
Compesatory Afforestaion fund bill cleared-- rajyasabha
Juvenile Justice bill -2015 __ both houses _ age reduced from 18 -to -16
Whistle blower protection act --passed by cabinet
The coal mines bill-2015__ parliament
Mines & minerals amendement bill -2015 __ parliament
MOTOR-VEHICLES Amendement bill -2014 __ Loksabha_ FOR e-rickshaws
Public premises Amendement bill _2014 _ passed by loksabha
Electricity amendemnt bill 2014 _ passed by loksabha
Apprentice bill -- passed by loksabha
SC-related bills passed by -- parilament_ haryana,karnataka,odsiha,dadra& nagar haveli
Anti -corrupt act -- cleared by cabinet
Homi-pathy act --clears by cabinet
NID -BILL national institute design bill2013 __ rajyasabha
Real- Estate Regulation development bill __ cabinet clears the bill
National judicial appointments commission bill __ 124th amen__now ACT
Land aqusition bill 2014__ govt approved ordiance for ease to land aqusition law
The Securities Laws (Amendment) Bill, 2014--passed by both houses
The Telecom Regulatory Authority of India Bill, 2014-- passed by both houses
STATE BILLS
Anti -terror bill gujarat Gujarat Control of Terrorism and Organised Crime (GCTOC)
Tamil nadu govt passed dhoti bill
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Maharastra bans dance bars -- assembly passed bill
Rajasthan --first state to ratifies NJAC bill
Banning beef bill passed by --maharastra & haryana & rajasthan
Gujrat local authorities law amendement bill __ compulsory voting
Minimum educational eligibility bill for panchayat election -- rajasthan
HIGHLIGHTS OF UNION BUDGET 2015-16
TAXATION
Abolition of Wealth Tax.

Additional 2% surcharge for the super rich with income of over Rs. 1 crore.
Rate of corporate tax to be reduced to 25% over next four years.
No change in tax slabs.
Total exemption of up to Rs. 4,44,200 can be achieved.
100% exemption for contribution to Swachch Bharat, apart from CSR.
Service tax increased to14 per cent.
AGRICULTURE
Rs. 25,000 crore for Rural Infrastructure Development Bank.
Rs. 5,300 crore to support Micro Irrigation Programme.
Farmers credit - target of 8.5 lakh crore.
INFRASTRUCTURE
Rs. 70,000 crores to Infrastructure sector.
Tax-free bonds for projects in rail road and irrigation.
PPP model for infrastructure development to be revitalised and govt. to bear majority of the risk.
Atal Innovation Mission to be established to draw on expertise of entrepreneurs, and researchers to
foster scientific innovations; allocation of Rs. 150 crore.
Govt. proposes to set up 5 ultra mega power projects, each of 4000MW.
EDUCATION
AIIMS in Jammu and Kashmir, Punjab, Tamil Nadu, Himachal Pradesh, Bihar and Assam.
IIT in Karnataka; Indian School of Mines in Dhanbad to be upgraded to IIT.
PG institute of Horticulture in Amritsar.
Kerala to have University of Disability Studies.
Centre of film production, animation and gaming to come up in Arunachal Pradesh.
IIM for Jammu and Kashmir and Andhra Pradesh.
DEFENCE
Allocation of Rs. 2,46,726 crore an increase of 9.87 per cent over last year.
Focus on Make in India for quick manufacturing of Defence equipment.
WELFARE SCHEMES
GST and JAM trinity (Jan DhanYojana, Aadhaar and Mobile) to improve quality of life and to pass
benefits to common man.
Six crore toilets across the country under the Swachh Bharat Abhiyan.
MUDRA bank will refinance micro finance orgs. to encourage first generation SC/ST entrepreneurs.
Housing for all by 2020.
Upgradation 80,000 secondary schools.
DBT will be further be expanded from 1 crore to 10.3 crore.
For the Atal Pension Yojana, govt. will contribute 50% of the premium limited to Rs. 1,000 a year.
New scheme for physical aids and assisted living devices for people aged over 80.
Govt. to use Rs. 9,000 crore unclaimed funds in PPF/EPF for Senior Citizens Fund.
Rs. 5,000 crore additional allocation for MGNREGA.
Govt. to create universal social security system for all Indians.
RENEWABLE ENERGY
Rs. 75 crore for electric cars production.
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Renewable energy target for 2022: 100K MW in solar; 60K MW in wind; 10K MW in biomass and
5K MW in small hydro
TOURISM
Develpoment schemes for churches and convents in old Goa; Hampi, Elephanta caves, Forests of
Rajasthan, Leh palace, Varanasi, JallianwalaBagh, QutbShahi tombs at Hyderabad to be under the
new toursim scheme.
Visa on Arrival for 150 countries.
FINANCIAL SECTOR
Forward Markets Commission to be merged with the Securities and Exchange Board of India.
NBFCs registered with the RBI and having asset size of Rs 500 crore and above to be considered as
financial institutionunder Sarfaesi Act, 2002, enabling them to fund SME and mid-corporate
businesses.
Permanent Establishment norms to be modified to that mere presence of offshore fund
managers in the country does not lead to adverse tax consequences.
Rail budget 2015-16
No increase in fairs for daily passengers but railway freight hiked 10% for urea, 2.7% for cement and
6.3% for coal, 0.8% for iron and steel.
No new trains will announced for this current year.
Increasein the number of bio toilets and vacuum toilets like airplane in trains.
Water wending machines will installed on stations to arrange drinking water for passengers.
'Operation 5 minutes', where in passengers traveling unreserved can purchase a ticket in 5 minutes.
He also announced to launch mobile app for purchase of unreserved tickets.
For security and convenience of passengers he announced two 24*7 helplines 138 for general
complaint and 183 for security complaints.
On priority basis Prabhu announces to install Surveillance cameras in ladies compartments and
selected coaches for women's safety because Nari-Surakasha is major issue for everyone in
previous years.
Over 400 railway stations will lashed with Wi-fi in coming year, he also announced to give mobile
charging facility to all coaches including general coaches.
Speed on nine railway corridors to go up to 200 km per hour.It will helptrains to increase their
average speed.
Booking facility of Wheel chairs for senior citizen will be available through online.
Prabhu introduces satellite railway terminals in major cities and centrally managed Rail Display
Network is expected to be introduced in over 2K stations over the next 2 years.
Railways will also going to establish Four Railway Research Centres in four universities.
Cleanliness also got priority in Prabhus budget he announce Swach-Railscheme.
To make train and stations clean ,this scheme is launched under Swach Bharat Abhiyan Under
Swach-Rail scheme railways are going to setupnew department of cleanliness and going to engage
professional agencies for training of cleaning staffs on 650 major stations.
Railway is going to setup Alarm announcing system at no man crossing with help of IIT Kanpur.
BANKING
Reserve bank of India
Establishment
The Reserve Bank of India was established on April 1, 1935 in accordance with the provisions of the
Reserve Bank of India Act, 1934.
The Central Office of the Reserve Bank was initially established in Calcutta but was permanently
moved to Mumbai in 1937.
Though originally privately owned, since nationalisation in 1949, the Reserve Bank is fully owned
by the Government of India.
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The Reserve Bank's affairs are governed by a central board of directors. The board is appointed by
the Government of India in keeping with the Reserve Bank of India Act.
Appointed/nominated for a period of four years Constitution:
Official Directors_Full-time : Governor and not more than four Deputy Governors
Governor--Dr. Raghuram Rajan*
Deputy Governor_
Shri H.R. Khan; Dr. Urjit R. Patel ;Shri R. Gandhi ;Shri S. S. Mundra
Non-Official Directors -- 11 total recently added = rajiv mehrishi + D.C.Duggal
Nominated by Government: ten Directors from various fields and one government Official
Others: four Directors - one each from four local board
Financial Supervision
The Reserve Bank of India performs this function under the guidance of the Board for Financial Supervision
(BFS). The Board was constituted in November 1994 as a committee of the Central Board of Directors of
the Reserve Bank of India.
Objective
Primary objective of BFS is to undertake consolidated supervision of the financial sector comprising
commercial banks, financial institutions and non-banking finance companies.
I. Acts administered by Reserve Bank of India
1. Reserve Bank of India Act, 1934
2. Public Debt Act, 1944/Government Securities Act, 2006
3. Government Securities Regulations, 2007
4. Banking Regulation Act, 1949
5. Foreign Exchange Management Act, 1999
6. Securitisation and Reconstruction of Financial Assets and Enforcement of Security Interest Act,
2002 (Chapter II)
7. Credit Information Companies(Regulation) Act, 2005
8. Payment and Settlement Systems Act, 2007
9. Payment and Settlement Systems Regulations, 2008 and Amended up to 2011 and BPSS
Regulations, 2008
10. The Payment and Settlement Systems (Amendment) Act, 2015 - No. 18 of 2015
11. Factoring Regulation Act, 2011
II. Other relevant Acts
1. Negotiable Instruments Act, 1881
2. Bankers' Books Evidence Act, 1891
3. State Bank of India Act, 1955
4. Companies Act, 1956/ Companies Act, 2013
5. Securities Contract (Regulation) Act, 1956
6. State Bank of India Subsidiary Banks) Act, 1959
7. Deposit Insurance and Credit Guarantee Corporation Act, 1961
8. Banking Companies (Acquisition and Transfer of Undertakings) Act, 1970
9. Regional Rural Banks Act, 1976
10. Banking Companies (Acquisition and Transfer of Undertakings) Act, 1980
11. National Bank for Agriculture and Rural Development Act, 1981
12. National Housing Bank Act, 1987
13. Recovery of Debts Due to Banks and Financial Institutions Act, 1993
14. Competition Act, 2002
15. Indian Coinage Act, 2011 : Governs currency and coins
16. Banking Secrecy Act
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17. The Industrial Development Bank (Transfer of Undertaking and Repeal) Act, 2003
18. The Industrial Finance Corporation (Transfer of Undertaking and Repeal) Act, 1993
Offices
Have 19 regional offices, most of them in state capitals and 9 Sub-offices.
Training Establishments
Have five training establishments
Two, namely
1. College of Agricultural Banking and Reserve Bank of India
2. Staff College
Others are autonomous_
3. National Institute for Bank Management
4. Indira Gandhi Institute for Development Research (IGIDR)
5. Institute for Development and Research in Banking Technology (IDRBT)
Quantative & Qualitative credit control
I. Quantative credit control is to establish control over the total quantitiy of credit in the country.
II. qualitative credit control the central bank takes the help of bank rate , open market operations ,
SLR , CRR , rationing of credit , regualtion of consumer credit , moral suasion , variation in margin
requirement
RATES INTRODUCED in the years, repo rate -- 1992, revers repo rate -- 1996, bank rate --1934, LAF 1999
Bank Rate: Bank rate is the rate at which the RBI is prepared to buy or rediscount eligible bills of exchange
or other commercial papers. In simple words, bank rate is the rate at which RBI extends advices (Credit) to
commercial banks. A change in the bank rate will result in a change in the prime lending rate of banks and
thus act as an independent instrument of monetary control.
Cash Reserve Ratio (CRR): Cash reserve ratio is the cash parked by the banks in their specified current
account maintained with RBI. In other words, it is the percentage of deposit (both demand and time deposit)
which a bank has to keep with the RBI. RBI is empowered to vary the CRR between 3% to 15%. The
purpose of reducing CRR is to leave large cash reserve with banks so as to enable them to expand bank
credit. Similarly increasing of CRR means squeezing the cash reserve of the banks and limits their credit
providing capacity
Statutory liquidity Ratio (SLR): Statutory liquidity ratio is the liquid assets commercial banks maintain
with the RBI in the form of cash (book value), gold (current market value) and balances in unencumbered
approved securities. At present SLR is 21.50% of the total demand and time deposit liabilities of the bank.
However, RBI can change SLR from time to time. Both CRR and SLR reduce or increase the capacity to
expand credit to business and industry. Thus both of these are anti-inflationary.
# MONEY MARKET
Open Market Operations (OMO): The buying and selling of eligible securities in the money market by
RBI for the purpose of curtailing or expanding the volume of credit. By selling securities the RBI can absorb
funds, and buying the securities can release funds also into the market. The purpose of OMO is to influence
the volume of cash reserves with the commercial banks and thus influence the volume of loans and advances
they can make to the industrial and commercial sector.
1. Selective Credit Controls: Under the Banking Regulation Act 1949, section 21 empowers RBI to issue
directives to the banking companies regarding their advance in order to check speculation and rising
prices. The controls are selective as they are used to control and check the rising tendency of price and
hording of certain individual commodities of common use. However, while imposing selective control,
RBI takes care that bank credit for production and transportation of commodities and exports is not
affected. These are mainly focused on credit to traders who use such credit for financing hoarding and
speculation. Since 1956-57 RBI is employing this method.
2. Prime Lending Rate (PLR): It is rate of interest of which commercial banks lend to their prime high
profile blue chip corporate borrowers. (From 1990s banks are free to determine PLR).
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3. Repo Rate: Repurchasing option is traded in this market for a short time periods. Repo is Repurchasing
by RBI.
4. Priority Sector Lending: It is lending to some particular sector at lower interest rate. RBI orders all
public sector banks to give 18% of credit to priority sector.
5. Market Stabilization Scheme: It is a scheme under which RBI buys and sells Government of India
securities in order to control liquidity.
6. Money in Circulation: Money in use to finance current transactions as distinct from idle money.
7. Investment Bank: A Bank that provides long term fixed capital for industry, generally by taking up
shares in limited companies.
8. Regional Rural Bank: It was established in 1975 under the provision of RRB Act 1976, with a view to
develop rural economy.
9. Lead Banking Scheme: Under this scheme all the nationalized banks and few private sector banks were
allowed specially and were asked to play the Lead Role. The lead banks act as a leader to bring about
co-ordination of cooperative banks, commercial banks and other financial institutions in their respective
demises to bring about rapid economic development.
10. Call Money: It is a loan that is made for a very short period i.e. for a few days only or for duration of a
week. It carries a low rate of interest. In case of a stock exchange market, the duration of call money may
be for a fortnight.
11. LIBOR: London Inter- Bank Offered Rate. An interest rate at which banks can bestow funds, in
marketable size, from other banks in London interbank market.
12. MIBOR: Mumbai Inter Banking Operative Rate.
13. Capital Deepening: It occurs when capital to LIBOR ratio increase in a country, it helps in economic
development of the country.
14. BASEL II: This norms assess the need for risk capital and replaces the minimum 9% capital adequacy
norm under BASEL-I. BASEL II enables greater transparency and banks will evaluate themselves.
15. CAMELS: Capital Adequacy, Asset Quality, Management, Earnings Liquidity and Systems.
16. Capital Adequacy Ratio: It is the ratio of total capital fund of a bank to its risk weighted assets. It is an
indicator of banks financial health.
17. Asset Reconstruction Company: Takes over the NPA of banks or financial institutions at cheaper rate,
reconstruct it and sells it and makes profit out of it. This helps in clearing the balance sheet of banks.
18. Universal Banking: It is a banking scheme given by Khan Committee according to which conduction of
all financial activities under one roof by a bank or financial institution. In other words, this means
integration of roles of bank and other development banks.
19. Service Area Approach: Under this scheme, branches of commercial banks were allotted certain
specific semi-urban and rural areas. These branches were made more responsible for overall development
of prescribed areas. It was implemented in 1989.
20. Merchant Banking: It is an activity under which a bank take up portfolio management (Banks advising
their clients about management of fund) as well as banker to the issue of the company.
21. Urban co-operative bank --Urban Co-operative Banks (UCBs) though not formally defined, refers to
primary cooperative banks located in urban and semi-urban areas. These banks, till 1996, were allowed to
lend money only for non-agricultural purposes. This distinction does not hold today. These banks were
traditionally centered around communities, localities work place groups. They essentially lent to small
borrowers and businesses
22. Land development bank--The special banks providing Long Term Loans are called Land Development
Banks, in the short, LDB.The history of LDB is quite old. The first LDB was started at Jhang in Punjab in
1920. This bank is also based on Co-operative. The main objective of the LDB's are to promote the
development of land, agriculture and increase the agricultural production. The LDBs provide long-term
finance to members directly through their branches.
23. Greshems Law: Bed money (Black Money) pushes good money (White Money) out of circulation.
24. Bank of International Settlement: Based in Switzerland, gives the statement of international monetary
transactions. It is the one which gives CAMELS, BASEL.
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# CAPITAL MARKETS -- SEBI (Regualted )
SEBI: Securities and Exchange Board of India. SEBI is the primary governing/regulatory body for the
securities market in India. All transactions in the securities market in India are governed and regulated by
SEBI. Its main functions are:
1. New issues (Initial Public Offering or IPO)
2. Listing agreement of companies with stock exchanges
3. Trading mechanisms
4. Investor protection
5. Corporate disclosure by listed companies etc.
Zero Coupon Bonds: Zero Coupon Bonds (also called as pure discount bonds) are bonds that pay no
periodic interest payments or so called Coupens. Zero coupon bonds are purchased at a discount from their
value at maturity. The holder of a Zero Coupon bond is entitled to receive a single payment, usually of a
specified sum of money at a specified time in future. Investors earn interest via difference between the
discounted price of the bond and its par (or redemption) value.
Undated Securities: Securities not bearing a redemption date or option.
Tap Issue: An issue of treasury bills to government departments and others at a fixed price stand, without
going through the market, as distinct from a tender issue.
Buy Back of Shares: Various individuals, financial institutions, directors of the company, hold company
shares. This indicates the ownership of the company, when a company is allowed to buy-back its shares. It
means it is increasing its ownership.
Penny Stocks: Penny stocks are securities or stocks which are sold by smaller new companies. They are
generally sold because companies are seeking money for expansion, basic operations, and even for the
commencement of business.
Participatory notes: These are notes issued by FIIs and some of the Indian based foreign banks.
GDR/ADR: Global Deposit Receipts (GDR) are popularly known as Euro issues i.e. shares of Indian
companies sold in the European market. When these shares of Indian companies are sold in the US capital
market they are called as American Deposit Receipts (ADR).
Black-Sholes Formula: A formula used to establish a fair price for options in financial markets.
Swap: A transaction in which securities of a certain value are sold to a buyer in exchange for the purchase
from the buyer of securities having the same value. The purpose being to obtain an improvement, in the eyes
of either of the parties, in the quality of the security or to anticipate a change in yield. Currency as well as
securities are swapped in this way.
Screen Based Book- where securities are auctioned through an anonymous screen based system, and the
price of which securities are sold is discovered in screen. This eliminates the delays, risks and
implementation difficulties associated with traditional procedures.
ESOP: Employee Stock Option.
Market Capitalisation: Total value of the equity in the present market price is called market capitalization.
Hedge Funds: They are basically private investment pools for wealthy, financially sophisticated investors.
Traditionally they have been organized as partnership, with the general partner managing the funds
portfolio.
Mutual Funds: Funds set up on the principal of pooled risk and pooled resources with the purpose of giving
them the benefits of share market without exposing individually to the volatility of share market.
Venture Capital: Risk capital is called venture capital.
Sovereign Wealth Fund: It is state owned fund composed of financial assets such as stocks, bonds,
property or other financial investment.
Futures: Contracts made in a future market for the purchased or sale of commodities on a specified future
data. Futures provide a convenient mechanism for holding market risk. Future market forms an important
part of many organized commodity exchange or market.
NCDEX: National Commodity Derivatives Exchange. It is the largest commodity futures exchange.
Forward Market Commission: It is a regulatory body for commodity futures, and forward trade in India. It
was set up under Forward Contract (Regulation) Act 1952. Its headquarter is in Mumbai.
CARE: Credit Analysis and Research Ltd. It was started in November 1993. It was set up by IDBI.
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ICRA: Investment Information and Credit Rating Agents of India Limited. It was established in 1991. It
primarily rates short, medium and long debt instruments. But, since 1995 it has been doing equity rating
also.
Voting Shares: Equity shares entitling holders to vote in the election of directors of a company. Normally
all ordinary shares are voting shares, but sometimes a company may create a class of non-voting ordinary
shares.
Tobin Tax: The tax foresighted by James Tobin. It is a tax that should be imposed on portfolio capitals, so
that when a foreign investor wants to take out this investment he has to pay tax, which is expected to
discourage the tendency to move from one country to another in search of quick gains.
Factoring: The business in which, a firm takes over the collection of trade debts on behalf of others, thereby
enabling them to obtain insurance against bad debts. It is a service primarily intended to meet the needs of
small and medium-size firms. The procedure is for the factoring company to buy up its clients invoices and
then itself claim payment of them.
Underwriting: Underwriting is the business of insuring against risk.
Counter Guarantee: It is given by an economic agent, another agent will oblige the contract signed with
the 3rd party.
NSDL: It is the first registered depository in India set up in November 1996 and has been promoted by
IDBI, UTI and NSE.
CDSL: Central Depository Services Limited.
Sub- Prime Loans: It is also called as B loans or second chance loans. These are loans originated to
borrowers who do not qualify for market interest rates because of problems in their credit history.
Derivative Trading: It is trading on claims, on claims on real producers.
Currency Future: Where in a contract in made between two parties, in which a party agrees to buy or sell a
fixed amount of currency at fixed foreign exchange at a later date. It reduces currency volatility rise for both
the parties.
Insider Trading: When insider (managers, directors, others) have more information of the companies
performance than the external share holders. And they use it to make a profit is called insider trading. It is
banned in India by SEBI.
Multi Commodity Exchange (MCE): The trading happening in papers instead of commodities in physical.
The largest MCX is in Ahmadabad.
Arbitrage: The act of buying a currency or a commodity in one market and simultaneously selling it for a
profit in another market.
COMMODITIES, DERIVATIVES, AND METALS MARKETS
i. Commodity markets are markets where raw or primary products are exchanged , with traditional
commodities such grains, meat and livestock, exchange trading has expanded to include metals, energy,
currency and currency indexes, equities and equity indexes, government interest rates and private
interest rates.
ii. These raw commodities are traded on regulated commodities exchanges, in which they are bought and
sold in standardized
iii. Contracts.
iv. A Commodities Exchange is an exchange where various commodities and derivatives products are
traded. These contracts can include spot prices, forwards, futures, and options on on futures.
India has 7 national commodity exchanges namely
1. Multi Commodity Exchange (MCX)
2. National Commodity and Derivatives Exchange (NCDEX)
3. National Multi-Commodity Exchange (NMCE)
4. Indian Commodity Exchange (ICEX)
5. The ACE Derivatives exchange ( ACE )
6. Universal commodity exchange (UCX)
7. Bhatinda Om & Oil Exchange Ltd.
*The regulatory body is Forward Markets Commission (FMC) which was set up in 1953
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TYPES OF MONEY SUPPLY
1. M0-- Reservemoney/ govt money/ base money/high power money/money multiplier
2. M0=C+ OD + CR
C= currency in circulation
OD = other deposits with RBI
CR = CASH RESERVE RATIO with RBI
3. M1-- Narrow money/ high circulated money/ high liquidity money
M1 = C + DD + OD
C= Currency in circulation
DD = demand deposits == CD(current deposits ) + SD(saving deposits)
OD = other deposits with RBI
4. M2 = M1 + Post office savings as deposits (DD)
5. M3 = M1 + TD time deposits (TD = RD(recurring deposits ) + FD(fixed deposits)
6. M4 = M3 + POST OFFICE DEPOSITS
NM1/NM2/NM3-- REVISED money
NM1 = C+ OD + DD
NM2= NM1 + STD(short term deposits )
NM3= NM2 + long term deposits + call money
New calculations
L1 = NM3 + All deposits with post offices (NSC) national saving scheme
L2 = L1 + Term deposits of lending institutions + term borrowings of lending insutuions + CD issued
by financial institutions
L3 = L2 + NBFCs Deposits
TYPES OF MONEY
MO Reserve money -- weekly
M1 NARROW -- fortnight -- 15 days
M3 BROAD --fortnight -- 15 days
L1 -- MONTHLY
L2--MONTHLY
L3 -- QUARTERLY -- 3MONTHS
ACCOUNTS --Min & Max
SAVING ------NO
Current --- no time period
Recurring-- 6 months , 10 years
Fixed -- 7DAYS / NOW 14 DAYS -- 10 YEARS
Flexi --6 months upto a maximum of 5 years.
NPAs 90 DAYS --BAD LOANS
upto --90 days -- overdue NPAs
90 days --1 year -- Substandard NPA
1 year -- 3 years -- Doubtful NPA

3 Years -- confirmed NPA/Bad debt NPA
GOVT securities_
Short term -- 1 YEAR
Medium-term securities----1-5 years
Long-term securities-- more than 5 years
Dated securities -- 30 years
Long term streching -- 50 Years
Agriculture loans time period
Short -- 6-18 months
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Medium -- upto 18-36 month

Long -- More then 36 months
CONCEPT OF MONEY
Hot money ---Money which swifts from one country to another country in order to upgrade itself is called
as hot money
FIAT MONEY -- Fiat money is money that can be used as tender but does not have a physical commodity,
such as gold or silver, linked to it, *extrinsic value > intrinsic value
NEAR MONEY
assets which can readily be converted into cash, such as bills of exchange.
CALL MONEY
money loaned by a bank or other institution which is repayable on demand.
DEAR MONEY or tight money
A situation in which money or loans are very difficult to obtain in a given country. If you do have the
opportunity to secure a loan, then interest rates are usually extremely high
CHEAP MONEY--loan or credit with a low interest rate, or the setting of low interest rates by a central
bank
PRECAUTIONARY MONEY
unexpected financial crisis economic situation , keep people to save gold with themselves called as
precautionary money
NETRUAL MONEY
if an economy is having , the capacity to maintian steady price for longer period , named as netrual money
* GS == MS ( goods suppy = money supply)
DEPOSIT MONEY
The money which is maintained by the banks named as deposit money also called s credit agencies
*example -- DFIs, commerical banks , cooperatives , RRBs , NBFCs
SMART MONEY
The process by which experienced investors and traders who tend to evaluate and find investment
opportunities before anyone is known
Credit cards , debit card, cash card
PLASTIC MONEY--Plastic money is a term that is used predominantly in reference to the hard plastic
cards we use every day in place of actual bank notes. They can come in many different forms such as cash
cards, credit cards, debit cards, pre-paid cash cards and store cards.
RESERVE MONEY
It is a measure of money multiplier. Money multiplier shows the mechanism by which reserve money
creates money supply in the economy. It is again dependent on two variables, namely currency deposit ratio
and reserve deposit ratio.
STANDARD MONEY - Monetary unit which is designated by a government to serve as the basis of its
currency system and into which other types of money in the country are convertible& compare standard of
value.
* intrinsic value = extrinsic value
NATIONAL INCOME
* National income first time coined by -- Dadabai nauarji --1868
* First time scientific national income calcuated by --V.K.R.V.Rao-1931
National income is a flow not a stock concept
In india ,national income estimates are realted with financial year
(1st april to 31st march)
GNP (Gross national product) _
GNP refers to the money value of total output or production of final goods and service produced by the
national income during a given period ,i.e ayear
GNP = GDP +(X-M)* , X= export, GDP=Gross domestic product , M= import
* If export = import or X=M , then GNP = GDP and it is a condition for a closed economy X=M=0
37 | P a g e

GDP(Gross domestic product) - It is the total money value of all goods and service produced within the
geographical boundaries of the country during a given year
GDP = GNP -(X-M)
NNP net national income _ NNP is obtained by subtracting depreciation value from GNP
NNP = GNP - depreciation*
When NNP is obtained at factor cost , it is known as national income
NATIONAL INCOME (NI)-- National income is calculated by subtracting the net indirect taxes form NNP
at market prices
NNP at Factor cost or NI --NNP at Market prices - indirect taxes + subsidies
NNP at Market prices --NNP at factor cost + indirect taxes - subsidies
GNP at Market prices --GDP at market prices + NET factor income earned from abroad
NNP at Market prices --GNP at market prices - consumption of fixed capital
Per capital income _N.I.at constant prices / population *
AGRICULTURE INDICATORS --2014-15
Total Food grains -- 257.12 million tonnes
Rice -- 102.54 million tonnes
Wheat -- 90.78 million tonnes
Coarse Creels -- 40.42 million tones
Maize -- 22.74
PULSES --17.38
TUR- 2.71
Gram - 7.59
OIL SEEDS --27.38 million tonnes
SOYABEAN -- 10.70
Groundnut --6.64 million tonnes
Rapeseed & mustard --6.75
cotton --35.32
sugarcane -- 356.56
MACRO ECONOMIC TIME PERIOD
GDP -- yearly , quarterly , monthly
Capital market -- 1 year and above
Money market -- less than 1 year
Call money -- overnight
Notice money -- 2-14 days
term money-- 15days to 1 year
Certificates of deposits--min 7 days - max- 12 months
Commerical papers -- min 7 days -- max --12 months
Forward rate aggrements -- contracts are available for maturity 10 years
Market repo-- 1 day - 1 year
RBI LAF -- 1 day
NDTL -- 15 Days basis
T-bills -- 91, 182, 364 DAYS
Inter bank participation -- 91 -180 Days
IIP calulates -- quartely , monthly
RBI finacial year -- july 1st -- june 30
BANKS -- April 1st -- MARCH -31st
General budget -- financial starts from April 1ST
Recent Brand ambassadors 2015
Sachin Tendulkar- Project Tiger & swacch bharat & Toshiba , oxigen
AR Rahman - Seychelles' cultural ambassador
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Anupam Kher-gender equality

HRX -Tiger Shroff
Edelweiss-Saina Nehwal
Indian Super League(for TN)-Dhanush
Kerala's Ayurveda-Steffi Graf
Uc Browser-Yuvraj Singh
Jharkhand Tourism-Mahendra Singh Dhoni
New Zealand Tourism-Sidharth Malhotra
Renault India -Ranbir Kapoor
Senco Gold & Diamonds-Sourav Ganguly
Fanta's new brand ambassador-Shruti Haasan
Hero Cycles-Arjun kapoor
Hyatt Regency- Viv Richards
2017 FIFA Under 17 World Cup-Sourav Ganguly
Beti Bachao, Beti Padhao[Haryana]-Parineeti Chopra
'Beti Bachao, Beti Padhao' -Madhuri Dixit
Amitabh Bachchan-- Cycle Agarbathies, Maharashtra Horticulture brand ambassador & Tiger ambassador
Aamir KhanWomen and Child Development Ministry, incredible india
Akshay Kumar--Dollar Club Vests, Levis, LG, Micromax, Thums Up
Hrithik Roshan-- Hide and Seek, Provogue, , OPPO mobile
Kareena Kapoor-- UNESCO girl child empowerment ambassdor Airtel, Emami, Gitanjali
Katrina Kaif--Etihad Airways, Lux, Nakshatra, Panasonic, Pantene, Spice Telecom
Saif Ali Khan--Asian Paints, Lays, Airtel, Head and Shoulders, Wynncom mobile
Shahrukh Khan--Airtel, Dish TV, Emami, Hyundai, ICICI, Nerolac, Nokia, Videocon
Madhuri Dixit--sukanya samriddhi yojana
Ira Singhal --specially-abledpersons
Virat kohil --BSF
Novak DjokovicUNICEF
stefi graff KERALA
Miscellous awards

Asian Banker Achievement Award 2015-Bharatiya Mahila Bank

Pulitzer prizes for West Africa Ebola coverage-New York Times
Washington Filmfestival(Best Feature Film Award)-Margarita, with a Straw
Whitley Awards for wildlife conservation-Ananda Kumar, Pramod Patil
Commonwealth Short Story Prize for Asia region 2015-Novelist Siddhartha Gigoo
UNESCO/Guillermo Cano World Press Freedom Prize 2015Mazen Darwish
Man Booker International Prize 2015-Laszlo Krasznahorkai (Hungarian writer)
Sri Sri Ravi Shankar conferred with Columbias highest civilian Law
Sahitya Akademi Bhasha Samman 2015-K Meenakshi Sundaram, Acharya Munishwar Jha,Charu
Chandra Pande and Mathuradutt Mathpal
68th Cannes film festival (FIPRESCI Award)Masaan(Indian Film)
Golden Medal for Merit in Work of Spain-Tennis player Rafael Nadal
RedInk Lifetime Achievement Award 2015-Prannoy Roy
World No Tobacco DayAward 2015-SS Negi (Uttarakhands Health Minister)
Gandhi Peace Prize 2014-Indian Space Research Organisation (ISRO)
Bangladesh Liberation War Award-Atal Behari Vajpayee
Space Pioneer AwardISRO for Mangalyaan Mars Orbiter Mission
Times of India Sports Awards(Sportsperson of the Year)-Jitu Rai
Dadasaheb Phalke Film Foundation Award 2015-Bollywood actor Shah Rukh Khan
Actor Rajkummar Rao won the prestigious award for his performance in the critically film City lights.
Master Deenanath Mangeshkar Award 2015-Bollywood actor Anil Kapoor
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Dr. Pramod Patil and Dr. Ananda Kumar won 2015 Whitley Awards for
wildlife conservation.
International Achievement Award 2015Subadhra Devi Rai (an Indian origin nurse)
Egypt's Academy of ArtsAmitabh Bachchan.
Golden Peacock National Quality Award for the year 2015-Delhi International
Airport Limited
Important Books and Authors List 2015

37 Bridges and other Stories - Aamer Hussein
Aarushi - Arivook Sen
Aatank Ke Saaye Men - Garima Sanjay
Ahmadabad: A City in the World - Amrita Shah
Benazir Bhutto: A Multidimensional Portrait - Dr Anna Suvorova
Beyond Doubt : A Dossier on Gandhi's Assassination - Teesta Setalvad
Bikhare Khyalat - Abdul Haq
China : Confucius in the Shadows - Poonam Surie
Complete Story of Indian Reforms: 2G, Power & Private Enterprise - Pradeep Baijal
Dealing with China: An Insider Unmasks the New Economic Superpower - Henry M Paulson
Editor Unplugged: Media, Magnates, Netas and Me - Vinod Mehta
Education of Muslims - Professor JS Rajput
Faces and Places - Prof. Deepak Nayyar
Family Life - Akhil Sharma (Folio Prize 2015)
Flood of fire - Amitav Ghosh
Flora of Guntur City, Andhra Pradesh - PR Mohana Rao
Food for All - Uma Lele
Fragile Frontiers: The Secret History of Mumbai Terror Attacks - SK Rath
Go Set a Watchman - Harper Lee
Gods Bankers - Gerald Posner
Green Signals: Ecology, Growth, and Democracy in India - Jairam Ramesh
India Central Asia Relations - Amiya Chandra
Indian Parliamentary Diplomacy- Speakers Perspective - Meira Kumar
Kapil Isapuri Farishta
Kashmir: The Vajpayee Years - A.S. Dulat, Aditya Sinha
Kiran Bedi : Kaise Bani Top Cop - Reeta Peshawaria Menon and Anu Peshawaria
Madhorubhagan - Perumal Murugan
Making India Awesome: New Essays and Columns - Chetan Bhagat
Modi : Incredible emergence of a star in Chinese language - Tarun Vijay
Modis World: Expanding Indias Sphere of Influence - C Raja Mohan
Neither a Hawk nor a Dove - Khurshid M Kasuri
Pre-Modern Kutchi Navigation Techniques and Voyages - Ashok B. Rajeshirke
Recasting India - Hindol Sengupta
Red Tape to Red Carpet... and then some - Gina Rinehart
Scion of Ikshvaku (1st Part in Ram Chandra Series) - Amish Tripathi
Sourav Ganguly: Cricket, Captaincy and Controversy - Saptarshi Sarkar
Suleiman Charitra - Kalyana Malla
Super Economies - Raghav Bahl
The China Model - Daniel A Bell
The Indian Parliament : A Critical Appraisal - Sudha Pai and Avinash Kumar
The Pakistan Paradox - Christrophe Jaffrelot
The Red Sari (about Sonia Gandhi) - Javier Moro
Transcendence: My Spiritual Experiences with Pramukh Swamiji - Abdul Kalam
Unbelievable : Delhi to Islamabad - Prof Bhim Singh
Uniki - CH Vidyasagar Rao
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Autobiographies by Indian personalities

The Test of My Life - Yuvraj Singh

Wings of Fire - APJ Abdul Kalam
Courage and Conviction - Gen VK Singh
A Shot at History - Abhinav Bindra
The Race of My Life - Milkha Singh
One Life Is Not Enough - K Natwar Singh
The Substance and The Shadow - Dilip Kumar
The Unbreakable - Mary Kom
Playing It My Way - Sachin Tendulkar
Not Just an Accountant : The Diary of the Nation's Conscience Keeper - Vinod Rai
Straight from the Heart - Kapil Dev
All From Memory - BV Achary
Matters of Discretion - Inder Kumar Gujral
My Country My Life - LK Advani
Truth, Love & a Little Malice - Khushwant Singh
Jakhan Choto Chilam - Satyajit Ray
Lucknow Boy: A Memoir - Vinod Mehta
And then One Day : A Memoir - Nasiruddin Shah
Sunny Days - Sunil Gavaskar
Important person obituary

Om Prakash Munjal, founder of Hero Cycle Limited, passed away

Veteran Marathi stage actor Bhalchandra Pendharkar died
Freedom fighter Kayyara Kinhanna Rai passed away
Former MP Minister Jagannath Singh passed away Where Servi
Yakub Memon executed as SC rejected his fresh plea in pre-dawn hearing
Eminent vocalist Vasundhara Komkali died .
Clive Rice, first post-apartheid captain of South Africa Cricket team, passed away
Dr. Suniti Solomon, pioneering Indian HIV/AIDS researcher, passed away
Noted Physicist P Hariharan passed away
Santasilan Kadirgamar, the veteran Sri Lankan historian, passed away
Former Indian President APJ Abdul Kalam passed away
Former Bihar Governor Ramkrishna Suryabhan Gavai passed away
Former Chief Justice of India Y K Sabharwal passed away
Matti Makkonen, pioneer of SMS technology, died
Titanic composer James Horner died
Sister Nirmala Joshi, former head of Missionaries of Charity, died
Former Indian women's hockey captain Shashi Bala died
Chandigarh's Rock Garden creator Nek Chand died
Former Indian Cricketer Hemant Kanitkar died.
Nobel Prize Winner in Chemistry Irwin Rose passed away Important persons appointed
Important summits

10th G20 Meeting 2015 Turkey, Antalya

27th APEC Summit 2015 Philippines
4th Nuclear Security Summit 2016 : United States
Indian science congress---2015 Mumbai
41st G8 Summit 2015 Schloss Elmau (Germany)
7th BRICS Summit 2015 Ufa, Russia
5th SAARC health minister meet new delhi
19th SAARC summit islamabad , Pakistan
26th ASEAN summit 2015 Langkawi , Kuala Lumpur
41 | P a g e

13th Pravasi Bharatiya Diwas 2015 Gujarat (Gandhinagar)

NATO summit 2016 Warshaw , Poland
4th BIMSTEC Summit 2015 Nepal
ADB Annual Meeting 2015 Baku, Azerbaijan
Global earth hour 2015 Seoul
RE-Invest 2015 New Delhi
29th Indian Economy Summit in Delhi
PERTOTECH summit -2015 New delhi
15th Sustainable Development SummitDelhi
3rd India 2015 Africa Forum Summit New Delhi
World Diamond Conference 2015 New Delhi
1st Renewable Energy Global Investors Meet & Expo NEW delhi
1st World ocean science congress kochi
11th METRO POLIS CONGRESS HYDERABAD
7th Global Insurance Summit 2014Hyderabad
Global Investors meet o Global Investors Meet 2015 Chennai
1st Counter-Terrorism Conference 2015 held in Jaipur
7th Asian Ministerial Conference on Disaster Risk Reduction in 2016 INDIA
World Congress on Information Technology in 2018Hyderabad
18th National Conference on e-Governance held in Gujarat
New Jersey to host International Hindi Conference in April 2015
8th India-Republic of Korea Joint Commission meeting South Korea
77th Annual Convention of Presiding Officers held in Lucknow
Arab Summit 2015 Cairo
SANSKRIT summit 2015 Bangkok
23rd CHOGM 2015Portlouis,Mauritius
world water summit 2015Athens , Greece
UN climate change conference 2015 PARIS
The Economist Insurance Summit 2015united kingdom
EU-US 2015 United States and the European Union Brussels
8TH IRENA international renewable energy agency Abu Dhabi
6th International Nuclear Energy Forum Atom expo 2014 Moscow
3rdUN World Conference on Disaster Risk Reduction Sendai, Japan
13th UN Congress on Crime Prevention and Criminal Justice Doha
Fortune /Forbes / World /Asia-pacific/Britain -2015

1. World Billionaires list 2015 tops -CHINA
2. Richest person on the planet_2015-- BILL GATES
3. Richest Women In The World 2015--Christy Walton(WALMART)
4. The World's Richest BILLIONIER 2015 -- BILL GATES
5. The World's Youngest Billionaires under 40--2015 --Evan Spiegel & Bobby Murphy--Snapchat Co
founders
6. The World's Highest-Paid Superstars Of 2015--Floyd Mayweather
7. The World's Highest-Paid Athletes-- 2015 --Floyd Mayweather
8. Asia's 50 Power Businesswomen--2015--Lucy Peng(ALIBABA)
9. FORBES india rich list 2015 -- Dilip sangavi
10. Top 20 Richest Indian Celebrity in 2015--salman khan
11. FORBES 50 power ful women list - india women --Arundhati bahattchary(SBI)
12. FORBES most powerful person - 2015 -- Modi- 15 *
13. FORBES -Bussiness person of year 2014 - LARRY PAGE
14. FORTUNE -500 india biggest country --IOC*
15. Wealth-X list-2015 under 40 age billioners--Arun Pudur (INDIA)-- cel frame
16. Forbes Global 2000 companies in 2015--USA
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17. FORTUNE 100 Best Companies to Work For-- GOOGLE
18. FORTUNE WORLD'S GREATEST LEADERS-2015--TIM COOK
19. FORTUNE Worlds Billonier list 2015 tops -CHINA
20. Fortune 500 companies _ 2015--wall mart
21. Fortune Magazine's 40 under 40-- 2015 __Travis Kalanick-Uber
22. Richest woman in Britain 2015--Kirsty Bertarelli
23. TIMES--Britain richest sportsperson 2015 --Lewis hamilton
24. Wealth-X list-2015 under 40 age billioners--Arun Pudur (INDIA)-- cel frame
25. luxury publishing group Huran Report-- world rischest countries --USA,CHINA,INDIA
26. Most 5 influential medicine makers 2015--ANTHONY FACUI --USA
27. Most 5 influential medicine makers 2015--KIRAN AMZUMDAR SHAH-INDIA
28. Expensive cities in 2015 by WEALTH -X REPORT -Luanda, Angola
29. Least expensive cities in 2015 --Bishkek, Kyrgyzstan
State Name Governors Name

Andhra Pradesh -E. S. L. Narasimhan

Arunachal Pradesh -Jyoti Prasad Rajkhowa
Assam- Padmanabha Balakrishna Acharya
Bihar- Ram Nath Kovind
Chhattisgarh- Balramji Das Tandon
Goa- Mridula Sinha
Gujarat -Om Prakash Kohli
Haryana -Kaptan Singh Solanki
Himachal -Pradesh Acharya Dev Vrat
Jammu and Kashmir -Narinder Nath Vohra
Jharkhand- Draupadi Murmu
Karnataka- Vajubhai Vala
Kerala -P. Sathasivam
Madhya Pradesh- Ram Naresh Yadav
Maharashtra- C. Vidyasagar Rao
Manipur - V Shanmuganathan
Meghalaya-- V. Shanmuganthan
Mizoram- Nirbhay Sharma
Nagaland- Padmanabha Acharya
Odisha- S. C. Jamir
Punjab -Kaptan Singh Solanki
Rajasthan- Kalyan Singh
Sikkim -Shriniwas Dadasaheb Patil
Tamil Nadu- K. Rosaiah
Telangana -E. S. L. Narasimhan
Tripura- Keshari Nath Tripathi
Uttar Pradesh -Ram Naik
Uttarakhand - Krishan Kant Paul
West Bengal- Keshari Nath Tripathi
SPORTS EVENTS important

F-1 Grand Prix winners this year -2015
Lewis Hamilton - Australian, Bahrain, British , Belgium , Chinese , Canada , Japan , Italian Russian
Nico Rosberg - Spanish, Austrian ,Monaco
Sebastian vettel - Hungary ,Malaysian Singapore
TENNIS GRAND SLAMS
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US OPEN_2015
MENS SINGLES --Novak Djokovic(Serbia)
WOMEN SINGLES --Flavia Pennetta(italy )
MENS DOUBLES --Pierre-Hugues Herbert / France Nicolas Mahut(france)
WOMEN DOUBLES -- Martina Hingis / Sania Mirza(swiss/india)
MIXED DOUBLES --Martina Hingis / India Leander Paes(swiss/india)
AUSTRALIAN-2015
MENS SINGLES --Novak Djokovic & WOMEN SINGLES -- Serena Williams
MENS DOUBLES --Fabio Fognini/ Simone Bolelli
WOMEN DOUBLES --Lucie Safarova/Bethanie Mattek-Sands
MIXED DOUBLES -- Leander Paes/Martina Hingis
FRENCH OPEN-2015
MENS SINGLES -- Stanles wawrincka& WOMEN SINGLES --Serena Williams
Men's Doubles--Ivan Dodig / Brazil Marcelo Melo
Women's Doubles--Bethanie Mattek-Sands / Lucie Safrova
Mixed Doubles--Bethanie Mattek-Sands / United States Mike Bryan
WIMBLEDON OPEN -2015
MENS SINGLES --Novak Djokovic & WOMEN SINGLES --Serena Williams
MENS DOUBLES --Jean-Julien Rojer / Romania Horia Tecau
WOMEN DOUBLES --Martina Hingis / Sania Mirza
MIXED DOUBLES--Leander Paes / Switzerland Martina Hingis
CHINA OPEN- 2015

MENS SINGLES - Novak Djokovic (Serbia)

WOMENS SINGLES - Garbine Muguruza (Spain)
MENS DOUBLES - Vasek Pospisil (Canada) and Jack Sock (US)
WOMENS DOUBLES - Sania Mirza (India) and Martina Hingis (Switzerland)
SCIENCE & TECHONOLOGY & DEFENCE

1. MEGA-TROPHICS -- INDO -FRENCH - satellite mission water cycle in the tropical atmosphere
2. NAVIAGATION SATELLITES _
IRNSS -1A_PLV-C22
IRNSS - 1B_PLV-C24
IRNSS - 1C_PSLV-C26
IRNSS -1D_ PSLV-C27
3. GSLV MARK -3 -X launched --CARE crew module atmospheric re-entry experiment
4. GSAT- 16 - INSAT-3E decommissioned satellite by ISRO
PLANETS & SPACECRAFTS
1. MERCURY -- Messenger -- NASA
2. VENUS--- Venus express-- ESA
3. MARS--- Curiosity ,Maven-- NASA , India --MOM
4. JUPITER--- Juno-- NASA
5. SATURN--Cassini --Huygens --NASA & ESA
6. URANUS-- Voyager-NASA
7. NEPTUNE ---Voyager 2 -- NASA
8. PLUTO -- New horizons
9. *MOON-- Mangalayaan
INDIA DEFENCE & NAVAL EXERCISES
AJAI__Indian army excise
AKRAMAN-2__ Indian army Rajasthan
FOAL EAGLE__South korea & USA
GARUDA__India-france_ Air exercise
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HAND-HAND _India & China
INDRA__India & russia
JIMEX __India & japan
KOMADO-2014 Indonesia
MALBAR US & India
MARITIME-coperation India & china & pakistan
MILAN __India & 16 countires
MITRA SAKTHI__India & srilanka
NASEEM AL-BAHR__India & oman
PEACE ANGLE__Pakistan & China
PASSEX -- india & china
RANDI __china& pakistan
SAR- search & rescue-- INDIA & china
SARDAR VIJAY__Indian airforce exercise_rajasthan
SARVADA VIJAY __ Indian army _ rajasthan
SHATRUJEE__ India & USA
SHADE__Naval forces of india,japan,china
START__Russia & USA
SIMBEX__ India & singapore
SURYA-KIRAN__India & nepal
SILK ROUTE 2015__sri lanka & china
TROPEX __ India naval exercise__ Indian ocean & Bay of bengal & Arbian sea
YUDH-ABHYAS__India & US
VARUNA__India&France
RECENT INS projects commissioned 2014-15
INS Kochi was commissioned at the Naval Dockyard in Mumbai
INS Vikrant __decommissioned -- mumbai
INS Vikramditya __aircraft carrier --Sevmash Shipyard in Russia__ modi
INS Viraat __ Aircraft carrier -- westernnaval command __ Arun jaitley
INS Arihant __ first indigenously nuclear submarine__ vishakptnam
INS Kamorta _ First indigenoulsy anti-submarine _ kolkatta
INS Shakti , INS Ranvijay, INS Shivalik __ particpated in INDRA-2014 NAVAL exercise
INS Kolkatta __guided missile destroyer __ mumbai __ modi
INS Sumitra __ (NOPV)naval offshore patrol vessel __ chennai _ R.k.dhowan
INS Kalvari __ First scorpine class__ mazagon docyard _ mumbai
INS Vishakpatnam __ Biggest stealth destroyer __Mumbai
INS Sardarpatel __ Naval base __ GUJARAT__ R.k.dhowan
INS CHAKRA - First nuclear submarie leased from russia
Recent decommisioned -- INS VIRAT , INS VIKRANT
Other countries recent defence
PAKISTAN --BURRAQ- Drone ,BARQ -- Laser guided missile ,SHAHPAR - UAVs,Shaheen - 2 & 3 ballistic missile ,RAAD - nuclear capabale cruise missile ,HATF-VI - ballistic missile
CHINA --*Wu-14 -- Hypersonic strike vehicle , Yaogan -23 Remote sensing satellite ,DF-41 - multi
war head super ballistic missile ,CHANG'e-5 --unmanned space craft
INDIA - ISRAEL-- LRSAM missile tested -70km range
JAPAN--IZUMO - largest warship - visted by manoharparikar.
European agency--BEAGLE -2 / mars express
SPACE -X launched falcon 9 rocket from florida
RUSSIA--Angara - A5 rocket W/missile attack warning spy
*CBERS 4 -- china & brazil - earth resources satellite
* ARSAT-1 -- Argentina domestic commuincation satellite
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Recent power projects -2015
ARUN -3 hydro power project india helps - nepal

RINL -- commissions green power project pollution free - 120 MWcapcity
SPVs (Special purpose vehicles) coal locked states project -- chattisgarh , jharkahand , odhisa
BHEL - 800MW - Kothagudam - telengana
BHEL commission 147MW power plant in rwanda
BHEL , russian firm INTMA ink powerplant in Kazakhstan
BHEL commissioned 600MW thermal unit at dhabra in chattisgarh --600MW
ADANI -Largest solarpark -- rajasthan --10000MW
MODI - Inaugurated -- power plant khandwa district Mdhya pradesh- 600 MW
MODI - Inauagrated 2nd unit palatana power project in tripura
REWA - 750MW solar project - MADHYA PRADESH
ABBREVATIONS
#A
ACF --Auto-Correlation Function
AD-- Authorized Dealer
ADB --Asian Development Bank
ADR-- American Depository Receipt
AFS-- Annual Financial Statement
AGM-- Annual General Meeting
AIRCSC --All India Rural Credit Survey Committee
AO --Additive Outliers
AR-- Auto Regression
ARIMA-- Auto-Regressive Integrated Moving Average
AFS-- Available For Sale
ASSOCHAM --Associated Chambers of Commerce and Industry of India
ATM--Asynchronous Transfer Mode
ATM --Automated Teller Machine
#B
BIS --Bank for International Settlements
BOI --Bank of India
BoP-- Balance of Payments
BPSD --Balance of Payments Division,
BSR --Basic Statistical Returns
#C
CAD --Capital Account Deficit
CAG --Controller and Auditor General of India
CBS-- Consolidated Banking Statistics
CC-- Cash Credit
CD --Certificate of Deposit
CDR--Credit Deposit Ratio
CDBS --Committee of Direction on Banking Statistics
CF-- Company Finance
CFRA-- Combined Finance and Revenue Accounts
CGRA-- Currency and Gold Revaluation Account
CII --Confederation of Indian Industries
CO --Capital Outlay
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CP-- Commercial Paper
CPI --Consumer Price Index
CPI-IW Consumer Price Index for Industrial Workers
CR --Capital Receipts
CRAR --Capital to Risk Weighted Asset Ratio
CRR-- Cash Reserve Ratio
CSIR --Council of Scientific and Industrial Research
CSO --Central Statistical Organisation
CVC --Central Vigilance Commission
#D
DAP-- Development Action Plan
DBOD-- Department of Banking Operations and Development
DCB-- Demand Collection and Balance
DCCB-- District Central Cooperative Bank
DD-- Demand Draft
DDS --Data Dissemination Standards
DEIO --Department of External Investments and Operations
DI-- Direct Investment
DICGC-- Deposit Insurance and Credit Guarantee Corporation of India
DID--Discharge of Internal Debt
DMA --Departmentalized Ministries Account
DRI --Differntial Rate of Interest Scheme
DSBB --Dissemination Standards Bulletin Board
DVP --Delivery versus Payment
#E
ECB --External Commercial Borrowing
ECB-- European Central Bank
ECGC-- Export Credit and Guarantee Corporation
ECS --Electronic Clearing Scheme
EDMU --External Debt Management Unit
EEA --Exchange Equalization Account
EEC-- European Economic Community
EEFC --Exchange Earners Foreign Currency
EFR-- Exchange Fluctuation Reserve
EPF-- Employees Provident Fund
EUR-- Euro
EXIM --Bank Export Import Bank of India
#F
FCA --Foreign Currency Assets
FCCB-- Foreign Currency Convertible Bond
FCNR(B)-- Foreign Currency Non-resident (Banks)
FCNRA --Foreign Currency Non-resident Account
FCNRD-- Foreign Currency Non-Repatriable Deposit
FDI --Foreign Direct Investment
FEMA-- Foreign Exchange Management Act
FI-- Financial Institution
FICCI --Federation of Indian Chambers of Commerce and Industry
FII-- Foreign Institutional Investor
FIMMDA--Fixed Income Money Market and Derivatives Association of India
FISIM --Financial Intermediation Services Indirectly Measured
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FLAS --Foreign Liabilities and Assets Survey
FOF-- Flow Of Funds
FPI-- Foreign Portfolio Investment
FRA --Forward Rate Agreement
FRBM --Fiscal Responsibility and Budget Management Act, 2003
FRN-- Floating Rate Note
FSS -Farmers Service Societies
FWG-- First Working Group on Money supply
#G
GDP-- Gross Domestic Product
GDR-- Global Depository Receipt
GFD --Gross Fiscal Deficit
GFS-- Government Finance Statistics
GIC-- General Insurance Corporation
GLS --Generalized Least Squares
GNIE-- Government Not Included Elsewhere
GoI --Government of India
GPD --Gross Primary Deficit
G-Sec-- Government Securities
#H
HDFC-- Housing Development Finance Corporation
HFT --Held For Trading
HICP-- Harmonised Index of Consumer Prices
HUDCO-- Housing & Urban Development Corporation
#I
IBRD-- International Bank for Reconstruction and Development
IBS --International Banking Statistics
ICAR-- Indian Council of Agricultural Research
ICICI --Industrial Credit and Investment Corporation of India
ICMR-- Indian Council of Medical Research
IDB-- India Development Bonds
IDBI-- Industrial Development Bank of India
IDD --Industrial Development Department
IFAD-- International Fund for Agricultural Development
IFC-- International Finance Corporation
IFCI --Industrial Finance Corporation of India
IFR --Investment Fluctuation Reserve Account
IFS-- International Financial Statistics
IGLS-- Iterative Generalized Least Squares
IIBI --Industrial Investment Bank of India
IIP --Index of Industrial Production
IMD-- India Millennium Deposits
IMF-- International Monetary Fund
IN-- India
INR-- Indian Rupee
IOTT --Input-Output Transaction Table
IRBI-- Industrial Reconstruction Bank of India
ISDA-- International Swaps and Derivative Association
ISIC-- International Standard Industrial Classification
ISO-- International Standards Organization
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ITRS-- International Transaction Reporting System
IWGEDS-- International Working Group on External Debt Statistics
#L
LAF-- Liquidity Adjustment Facility
LAMPS --Large-sized Adivasi Multipurpose Societies
LBD --Land Development Bank
LBS --Locational Banking Statistics
LERMS-- Liberalised Exchange Rate Management System
LIC-- Life Insurance Corporation of India
LTO-- Long Term Operation
#M
M1 --Narrow Money
M3-- Broad Money
MIGA-- Multilateral Investment Guarantee Agency
MIS-- Management Information System
MMSE-- Minimum Mean Squared Errors
MSS --Market Stabilisation Scheme
MT-- Mail Transfer
MTM-- Mark-To-Market
#N
NABARD-- National Bank for Agriculture and Rural Development
NAS --National Account Statistics
NASSCOM --National Association of Software and Services Companies
NBC --Non-Banking Companies
NBFC-- Non Banking Financial Companies
NEC --Not Elsewhere Classified
NEER-- Nominal Effective Exchange Rate
NFA --Non-Foreign Exchange Assets
NFD-- Net Fiscal Deficit
NGO-- Non-Governmental Organization
NHB-- National Housing Bank
NIC --National Industrial Classification
NIF --Note Issuance Facility
NNML --Net Non-Monetary Liabilities
NPA --Non-Performing Assets
NPD-- Net Primary Deficit
NPRB --Net Primary Revenue Balance
NPV --Net Present Value
NRE-- Non-Resident External
NRG --Non-Resident Government
NRI-- Non-Resident Indian
NSC --National Statistical Commission
NSSF-- National Small Savings Fund
#O
ODA --Official Development Assistance
OECD-- Organisation for Economic Cooperation and Development
OECO --Organisaton for Economic Co-operation
OFI --Other Financial Institutions
OLTAS --OnLine Tax Accounting System
OMO --Open Market Operations
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OSCB-- Other Indian Scheduled Commercial Bank
#P
PACF-- Partial Auto-Correlation Function
PACS --Primary Agriculture Credit Societies
PCARDB-- Primary Cooperative Agriculture and Rural Development Bank
PD-- Primary Deficit
PDAI-- Primary Dealers Association of India
PDO-- Public Debt Office
PDO-NDS-- Public Debt Office-cum-Negotiated Dealing System
PDs-- Primary Dealers
PES-- Public Enterprises Survey
PF --Provident Fund
PIO --Persons of Indian Origin
PRB --Primary Revenue Balance
PSE-- Public Sector Enterprises
PUC-- Paid Up Capital
QRR --Quick Review Report
#R
RD-- Revenue Deficit
RE-- Revenue Expenditure
REC --Rural Electrification Corporation
REER-- Real Effective Exchange Rate
RFC-- Residents Foreign Currency
RIB-- Resurgent India Bonds
RIDF-- Rural Infrastructure Development Fund
RLA-- Recoveries of Loans & Advances
RLC --Repayment of Loans to Centre
RNBC-- Residuary Non-Banking Companies
RoCs-- Registrars of Companies
RPA-- Rupee Payment Area
RPCD-- Rural Planning and Credit Department, RBI
RR --Revenue Receipts
RRB --Regional Rural Bank
RTP --Reserve Tranche Position
RUF-- Revolving Underwriting Facility
RWA-- Risk Weighted Asset
#S
SAM-- Social Accounting Matrix
SAS --Statistical Analysis System
SCARDB-- State Cooperative Agriculture and Rural Development Bank
SCB-- State Cooperative Bank
SCB-- Scheduled Commercial Bank
SCS --Size Class Strata
SDDS-- Special Data Dissemination Standards
SDR --Special Drawing Right
SEBI --Securities and Exchange Board of India
SEBs-- State Electricity Boards
SFC-- State Financial Corporation
SGL-- Subsidiary General Ledger
SGSY-- Swarnajayanthi Gram Swarrojgar Yojana
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SHGs --Self-Help Groups
SIDBI-- Small Industries Development Bank of India
SIDC-- State Industrial Development Corporation
SI-SPA --Systems Improvement Scheme under Special Project Agriculture
SJSRY-- Swarna Jayanti Shahari Rojgar Yojana
SLR-- Statutory Liquidity Ratio
SLRS-- Scheme for Liberation & Rehabilitation of Scavengers
SMG --Standing Monitoring Group
SNA-- System of National Accounts
SRWTO --Small road & Water Transport Operators
SSI --Small-Scale Industries
SSSBEs --Small Scale Service & Business Enterprises
SWG-- Second Working Group on Money Supply
#T
TBs --Treasury Bills
TC-- Temporary Change
TT --Telegraphic Transfer
#U
UBB-- Uniform Balance Book
UBD-- Urban Banks Department
UCB-- Urban Cooperative Bank
UCN --Uniform Code Number
US --United States
USD-- US Dollars
UTI-- Unit Trust of India
VC --Venture Capital
#W
WGMS-- Working Group on Money Supply
WPI --Wholesale Price Index
WSS-- Weekly Statistical Supplement
YTM --Yield to Maturity
FINANCIAL AWARNESS
Highlights of RBIs 2nd Bi-Monthly Monetary Policy

Shortterm lending rate (repo) cut by 0.25 per cent to 7.25 per cent
Cash Reserve Ratio unchanged at 4 per cent
Statutory Liquidity Ratio retained at 21.5 per cent
Inflation expected to rise to 6 per cent by January 2016
Growth forecast lowered to 7.6 per cent for 2015-16 from 7.8 per cent projected in April.
RBI Estimates Current Account Deficit at 1.5% in FY16
Reserve Bank of India (RBI) on 16 July 2015 permitted Cooperative Banks with Core Banking Solution
(CBS) to issue ATM cards/ATM-cum-debit cards in tie with a sponsor banks. The decision was taken
by the RBI in an attempt to move towards a less-cash economy and with an aim to inculcate the habit
of using electronic payment channels among bank customers.
Following are the criteria to become a sub-member of NFS:
i. Core Banking Solution (CBS) fully implemented
ii. Licence for conducting banking business Introduction from sponsor bank (a bank having
ATM network connectivity)
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iii. Connectivity with National Payment Corporation of India (NPCI)
iv. The decision is in addition to the earlier decision of the RBI taken on 16 April 2015 to allow
State Cooperative Banks (StCBs) to install offsite/ mobile ATMs as per their need and
potential in their area of operation.
However, they were allowed to install mobile ATMs only with prior permission of the RBI and subject to
satisfying the following criteria:
i. CRAR not being less than 9 per cent
ii. No default in maintenance of CRR/SLR during the preceding financial year
iii. Net NPA being less than 5 per cent
iv. The bank should have a track record of regulatory compliance and no monetary penalty
should have been imposed on the bank on account of violation of RBI directives/guidelines
during last two financial years
The Reserve Bank of India (RBI) on 15 July 2015 constituted a committee to work out a five-year
(medium-term) action plan for financial inclusion. The 14-member panel will be headed by RBI
executive director Deepak Mohanty. The Committee will work to spread the reach of financial
services to unbanked population.
To review the existing policy of financial inclusion including supportive payment system and
customer protection framework taking into account the recommendations made by various
committees set up earlier.
To study cross country experiences in financial inclusion to identify key learnings, particularly in
the area of technology-based delivery models that could inform our policies and practices.
Reserve Bank of India (RBI) on 16 July 2015 directed banks to ensure that their overall direct
lending to farmers should not fall below the average of last three years. The direction was given by
RBI against the backdrop of government expressing concern over adverse impact of any reduction
in direct credit, given the adverse weather conditions. Further, the RBI warned the banks that direct
lending below the target set for priority sector lending will attract usual penalties. The apex bank
also said that banks should also continue to maintain efforts to reach the level of 13.5 percent
direct lending to beneficiaries who earlier constituted the direct agriculture sector.
The RBI has asked banks to consider the due date on which the customer is supposed to pay the
minimum amount towards credit card dues while calculating the 90-day period beyond which the
customer will be considered an NPA if there is no payment made.
The Reserve Bank signed a special currency swap agreement with the Central Bank of Sri Lanka that
will allow the latter to draw up to USD 1.1 billion. Under the arrangement, the Sri Lankan bank can
draw up to USD 1.1 billion for a maximum period of six months. This special arrangement is in
addition to the existing Framework on Currency Swap Arrangement for the SAARC member
countries. In March, RBI had signed a Currency Swap Agreement with the Central Bank of Sri Lanka
for USD 400 million under the existing SAARC Currency Swap Framework within the overall limit of
USD 2 billion.
MONTHLY-FINANCIAL AWARNESS
AUGUST
RBI norms to push more loans to farmers
In a bid to strengthen credit flow to small and marginal farmers, RBI has asked banks to ensure that direct
lending to non-corporate farmers does not fall below the system wide average of the last three years
achievement
RBI on fair value for recast exercise
RBI said that a rate equal to the actual interest rate charged to the borrower before restructuring may be
used to discount future cash flows for the purpose of determining the diminution in fair value of loans on
restructuring.
RBI tightens NPA rule on credit card dues
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Past due' status of a credit card account for the purpose of asset classification would be reckoned from the
payment due date mentioned in the monthly credit card statement. Consequently, in case of banks, a
credit card account will be treated as Non-Performing Asset if the minimum amount due, as mentioned in
the statement, is not paid fully within 90 days from the payment due date mentioned in the statement
RBI allows issue of prepaid cards by mass rapid operators
RBI has given its final nod for introducing a new category of semi-closed Prepaid Payment Instruments
(PPI) for Mass Transit Systems (PPI-MTS) to encourage migration
from cash to electronic payments. Among other features, these instruments will be re-loadable, can have a
balance limit of up to `2,000 and come with minimum validity of
six months from the date of issue.
Banks should make use of CRILC
RBI has asked banks to make use of the information available in Central Repository of Information on Large
Credits (CRILC) while opening current accounts of customers. They should not just limit their due diligence
to seeking a No-Objection Certificate (NOC) from the bank with whom the customer is supposed to be
enjoying the credit facilities.
RBI's revised MIBOR method
With the introduction of Financial Benchmarks India Limited - Overnight MIBOR on July 22, 2015, RBI has
revised the methodology for the Fixed Income, Money Market and Derivatives Association of India
(FIMMDA) - National Stock Exchange - Overnight Mumbai Interbank bid / offer rate (overnight MIBID /
MIBOR) benchmark in India.
RBI on credit concentration norms
RBI will give leeway to NBFCs in determination of credit concentration norms for their investments made in
companies in the same group / subsidiaries of NBFCs, provided these investments have been reduced to
the extent such amount exceeds 10 per cent of the Owned
Funds
NBFCs need RBI nod for acquisition, transfer of
control
As per a RBI notification, in cases of acquisition / transfer of control of NBFCs, parties to the transaction
will need to give prior public notice and seek its approval. NBFCs will have to give public notice of at least
30 days before effecting the sale or transfer of ownership through sale of shares, or transfer of control
with or without sale of shares.
RBI for account aggregator NBFC
Reserve Bank will put in place a regulatory framework to allow a new kind of Non-Banking Finance
Company (NBFC), which could act as an account aggregator to enable the common man to see all his
accounts across financial institutions in a common format. The idea of such an NBFC had emanated from
the Financial Stability and Development Council (FSDC).
India, US sign FATCA to curb tax evasion
From September 30, 2015, India and the US will start sharing information about bank accounts or financial
investments made by their citizens in each other's countries. This move will help curb offshore tax
evasions. Both countries, signed an Inter Governmental Agreement (IGA) to implement the Foreign
Account Tax Compliance Act (FATCA) to promote transparency on tax matters
Black money : rules for valuation of foreign assets notified
According to the rules notified for implementation of a one-time compliance window under the Black
Money (Undisclosed Foreign Income and Assets) and Imposition of Tax Act, 2015, anyone having
undisclosed foreign assets abroad will now have to pay tax and a penalty on the sum of deposits made
since opening the account.
RBI constitutes committee on financial inclusion
RBI has constituted a committee for working out a medium-term (five-year) measurable action plan for
financial inclusion. The terms of reference will include reviewing the existing policy of financial inclusion,
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including supportive payment system & customer protection framework, and considering the
recommendations made by various earlier committees
Securitization market set for take-off
Insurance, Pension and Mutual Funds can play an important role in the Indian securitisation market as they
can invest long term and at the same time have the risk appetite, capacity and expertise for taking
exposures to the lower tranches. However, the Pension Funds are not allowed to invest in securitisation
PTCs and Insurance companies are allowed to invest in high
investment grade AAA securities only.
Monetary policy panel to have three RBI members
The proposed Monetary Policy Committee (MPC) will have three members from RBI instead of two
proposed earlier, under a revised draft of the Indian Financial Code (IFC). Due to the code, the present
system of Reserve Bank of India (RBI) governor solely deciding the monetary policy actions (such as interest
rate) will be replaced by an MPC taking such decisions by majority. As per the revised draft, the MPC would
be headed by RBI chairperson and would include an executive member of its board and one of its
employees nominated by the chairperson, apart from four members appointed by the
government.
RBI expands loan recast forbearance for NBFCs
RBI has expanded the scope of forbearance on restructured loans of projects for Non Banking Finance
Companies (NBFCs) by bringing them on par with banks, Now, lenders can classify restructured loans as
standard, in case a project is stuck for a total 6 years, provided the final two year delay is due to a change
in ownership.
RBI eases cash delivery via LAF
Worried over volatility on intra-day call money days, RBI will offer funds to banks via the fixed rate repo
and reverse repo windows on a real-time basis. RBI aims to keep overnight rates close to the repo rates i.e.
7.25%
New Basel III norms will affect growth
According to Mr. S. S. Mundra, Deputy Governor, RBI, the new international regulatory measures under
the Basel III norms would have an adverse impact on the economic growth and all countries need to brace
up to this fact
Insurers' approved investments can only be in CNX200,
BSE200 companies In its new draft on investments, IRDAI has said that only the equity investments in
CNX200 or BSE200 can be considered as approved investments. Other approved instruments for
investment would also include debentures by first charge on immovable
property.
IRDAI group to explore opportunities in insurance e-commerce
IRDAI constitutes two groups - one in life insurance and one in general insurance - to explore opportunities
in the e-commerce sector. They are inclined to facilitate the promotion of e-commerce in insurance space
to reduce the cost of transacting insurance business along with bringing higher efficiencies and greater
reach.This will suitably leverage the government's Digital India initiative aimed at creating a digitally
empowered society and knowledge economy. The panels have been formed with captains of industry as
members including Mr. Sandeep Bakshi, CEO, ICICI Prudential Life Insurance Prudential Life Insurance
Company Ltd., and Mr. Tapen Singhel, CEO, Bajaj Allianz General Insurance Company Ltd. They will identify
opportunities of e-commerce in the insurance sector, recommend technological solutions for e-commerce,
suggest regulatory and other facilitation measures for the growth of e-commerce and synergize with
Centre's Digital India initiative.
GDP to grow 8% in FY16; hit $3-trillion mark in five years
According to Dr. Arvind Panagariya, Vice-Chairman, NITI Aayog India's growth rate is expected to
accelerate to 8% in the current financial year and the economy will surpass the $3 trillion mark in less than
five years.
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JULY
RBI directive on pay package for non-executive directors
RBI has asked the Board of Directors to formulate a comprehensive compensation policy, including
payment in the form of profit-related commission, for nonexecutive directors (other than the Part-time
Chairman) of private banks.
RBI announces measures on SDR
Under a new Strategic Debt Restructuring (SDR) scheme, banks, as majority owners, can find professionals
to run the company and then divest stake in order to recover their dues. RBI has proposed a slew of
measures, including setting a timeline of 30 days from the review of the restructured loan account for
invoking the SDR.
Banks allowed to invest in long-term bonds of other banks, with rider
RBI has allowed banks to invest in long term-bonds of other banks, subject to conditions whereby not more
than 20% of the primary issue size of a bond issue is allotted to banks. Presently banks are not permitted to
cross-hold long-term bonds issued specifically for the purpose of financing of infrastructure and affordable
housing loans among themselves. Banks' investment in such bonds will not be treated as 'assets with the
banking system in India' for the purpose of calculation of Net Demand and Time Liability (NDTL).
RBI asks big borrowers to hedge against price risks
RBI has advised banks to encourage large agricultural borrowers, such as agricultural commodity
processors, traders, millers, and aggregators etc. to hedge their commodity price risks with the use of
derivatives. Banks provide a number of credit facilities to customers engaged in
activities related to agriculture.
RBI eases norms for banks to raise foreign money
With a view to providing greater flexibility in seeking access to overseas funds RBI has permitted
Authorised Dealer Category-I banks to borrow from international / multilateral financial institutions
without approaching Reserve Bank for a case by case approval. These shall include International /
Multilateral Financial Institutions of which Government of India is a shareholding member or which have
been established by more than one government or have shareholding by more than one government and
other international organizations
RBI proposes net stable funding ratio for banks under Basel III
RBI has proposed that banks maintain a minimum 100% net stable funding ratio under Basel-III guidelines
to have access to stable sources of funding on a continued basis. Banks will have to maintain a Net Stable
Funding Ratio (NSFR) from January 2018.
RBI allows airlines, affordable housing project developers to tap overseas funds
RBI has reviewed the scheme of raising ECB for working capital as a permissible end-use, under the
approval route for civil aviation sector. It will continue till March 31, 2016, with the same terms and
conditions. Similarly, the scheme of raising ECBs for low-cost affordable housing
projects will continue for the financial year 2015-16.
FM asks PSBs to chalk out five-year recap plan
The Finance Ministry has asked PSBs to draw up a five-year capitalization schedule to prepare them to lend
support to its long-term growth plans. This marks a departure from the existing practice of capital
allocation on the basis of annual requirements to ensure banks complied with capital adequacy norms
FM proposes tax rebate on card payments
India is looking to incentivize the use of credit and debit cards by offering tax rebates to merchant
establishments and consumers. High-value transactions may be made mandatory through electronic
means and an additional levy may be imposed on cash payments above a certain level, to curb black
money
New banks : Bandhan gets final RBI nod
Bandhan Financial Services has got the final approval from RBI to become a full fledged bank. The new
Bandhan Bank will be head-quartered in Kolkata and will launch operations in August. Bandhan, the
country's largest micro-finance institution, bagged RBI's inprinciple approval to set up a bank. All of
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Bandhan's existing business and existing clients will be transferred to the bank. The core focus will be
retail, rural and MSMEs (micro, small and medium enterprise).
FM pushes for uniform reserve price on bad assets
To ensure that ARCs carry out better due diligence before buying an asset, in August 2014 RBI mandated
that they hold a minimum of 15% (instead of earlier 5%) of the Security Receipts issued by them against
the stressed / bad assets acquired by them. Thus, ARCs pay a bank 15% of the price of the loan that is
agreed upon with the banks and for the remaining amount, they issue security receipts as compensation to
the bank consequent upon sale of these assets.
RBI warns against misuse of collateral in share trading
Reserve Bank of India (RBI) has cautioned against the use of collateral by the clearing members for
purposes other than intended for, as the securities are transferred into an omnibus account.
India among top 10 FDI destinations in 2014
According to the United Nations Conference on Trade and Development (Unctad)'s World Investment
Report 2015, India has moved up six places to become one of the top 10 destinations for Foreign Direct
Investment (FDI) in 2014. FDI inflows into India were $34 billion
in 2014, up 22% from $28 billion in 2013. In fact, inflows into the country were 83.5% of South Asia's $41.2
billion, including Iran and the seven other member nations of the South Asian Association for Regional Cooperation (SAARC)
ADB to increase annual lending to India to $4 billion
Over the next few years, the Asian Development Bank (ADB) has decided to increase lending to India, from
an annual average of $3 billion to $4 billion in order to support new initiatives that target higher growth
and reduce poverty, said Mr. Takehiko Nakao, the visiting President of ADB.
JUNE
The Housing Development Finance Corp (HDFC)
the largest mortgage lender in the country, on 8 Jun said its board of directors had approved fund-raising
worth `5,000 cr simultaneously by secured redeemable non-convertible debentures (NCDs) and warrants.
Restructuring bad loans
In a significant move to provide a more flexible process for lenders to recover bad loans, the Reserve Bank
of India (RBI) on 8 Jun allowed banks to acquire 51 per cent or more stakes in companies defaulting after
restructuring of their loans
Utility bills
Utility bills can now be submitted as proof of address for opening account with banks or other financial
institutions, the Reserve Bank of India said on 11 Jun.
The govt has decided to infuse capital in public sector banks (PSBs) based on the requirement of individual
lenders. The govt has asked PSBs to make detailed presentations on their capital requirement for the
current financial year. If the govt is convinced that a bank needs funds, then it will infuse capital. The govt
has earmarked `7,940 cr for capital infusion in PSBs in 2015-16
The Asian Development Bank (ADB)
has decided to increase its lending to India as part of efforts to support the countrys new initiatives that
target higher growth and reduced poverty. From being an average $ 3-bn annual lender, ADB will move
towards annual lending of $ 4 bn to India in next few years. This was announced by the visiting ADB Bank
President Takehiko NAkao
After a gap of more than a decade, a new private sector lender will start operations from Aug 23. The
Kolkatabased micro financier, Bandhan Financial Services, received the final approval from the Reserve
Bank of India on 17 Jun morning. The bank will not give loans to the corporate sector, at least for the time
being, and focus on its strength, that is serving the bottom of the pyramid category. The lender will start
with 600 branches, of which 200 will be in metro and urban areas and the remaining in semi-urban and
rural areas
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loan against shares
In probably a first-of-its-kind loan against shares (LAS) offering, HDFC Bank is allowing customers to
design their own loans. The entire loan offering is digitised and is aimed at reducing the time taken for the
loan approval and disbursement from four to eight days (across the industry) to 24 hours.
Rupay ,Indias own card payment system floated by the National Payment Corporation of India (NPCI)
would roll out RuPay Credit cards from next year.
Bank for International Settlements (BIS)
The Bank for International Settlements (BIS), the apex bank for all central banks, has complimented the
Indian banking authorities for their substantial reforms and alignment with the Basel framework. The
Indian Basel III framework for bank risk-based capital requirements came into force in Apr 2013
world banks with RGTIL
The Reliance Gas Transportation Infrastructure Ltd (RGTIL), an unlisted company owned by Indias richest
man, Mukesh Ambani ,has received a generous loan-restructuring package from Indian banks after the
company incurred huge losses in the past few years.
The multilateral lender world bank on 3 june approved $250mn loan for Jhelum and Tawi flood Recovery
Project for reconstruction of flood-affected public infrastructure in jammu&Kashmir.The project will be
funded by credit from World Banks concessionary International Development Association (IDA). The loan
has a maturity of 25 years, including a 5-year grace period.
World Bank hleps tamilnadu for urban development project
The central govt has signed a deal with the World Bank for a $400mn loan for an urban development
project in Tamil Nadu. The size of the project is $600 mn, of which $400 mn would be financed through the
International Bank for Reconstruction and Development.
Based on the Asia Infrastructure Investment Bank (AIIB) members GDP weight in the world economy,
China will become the banks largest shareholder, followed by India and Russia. China is likely to have a
30.85% share in the bank, followed by India with 10.4 per cent.
Green PIN scheme
The second-largest private sector lender HDFC Bank has decided to discontinue issuing slips after cash
withdrawals at ATMs and will alert the customer through SMSes. The bank will roll out the scheme across
its network of over 11,700 ATMs by the end of Jun. The bank witnesses an average of 2 cr cash withdrawals
every month at its ATMs. The switch to paperless mode will help it save about `10 cr a year spent on paper.
This is a part of the digital initiative for the bank, under which it had last year launched the Green PIN
scheme, wherein card-users were given the PIN numbers electronically rather than in a printed kit.
SBI tie up with snapdeal
The State Bank of India (SBI) is aggressively trying to grab a piece of the business in the digital commerce
space. The countrys largest lender on 20 May signed a memorandum of understanding with Amazon to
develop payment and commerce solutions for customers and small businesses. The SBI also inked two
MoUsone with e-commerce major Snapdeal and the other with digital payments company, PayPal.
The ICICI Bank launched voice recognition service
which authenticates customers based on their speech patterns and allows them to execute banking
transactions through the banks call centre in a quick, secure and convenient manner? The first-of-it-kind
service by a bank in the country, it is available to over 33 mn customers of its savings account and credit
card.
ANZ Bank
will open two more branches in India by early next year. The two branches would be opened at Gurgaon
and Bangalore. The bank opened its first branch in India at Mumbai four years ago
The wage revision
Following a pact between public sector bank (PSB) employees and officers with the management, all
branches in the country will remained closed on all second and fourth Saturdays from July. IBA has also
signed a wage settlement pact with the United Forum of Bank Unions and a few others, for a 15 per cent
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increase in salary and allowances to about a million employees. The wage revision is with effect from Nov
1, 2012, and is valid for five years.
Five of the worlds largest banks
including JPMorgan Chase & Co and Citigroup Inc, were fined roughly $5.7 bn, and four of them pleaded
guilty to US criminal charges over manipulation of foreign exchange rates, authorities said on 20 May. A
fifth bank, UBS AG, will plead guilty to rigging benchmark interest rates, the US Justice Department said.
UnionPay International
Chinese tourists and people working in India may soon be able to use automated teller machines (ATMs)
and point of sale (PoS) terminals in the country to withdraw cash in the Indian currency. The National
Payments Corporation of India(NPCI),an agency backed by the Reserve Bank of India (RBI) that processes
retail transactions in India, has signed an agreement with UnionPay International, its counterpart from
China, to allow Chinese customers to use ATMs and PoS terminals in India.
The Reserve bank of India(RBI) on 21 May relaxed rules for Indian companies to raise money in rupees
from overseas lenders. The overseas lenders will have to enter into currency swap transactions with their
overseas banks, which in turn will provide rupees by tapping a bank in India for extending funds in rupees
to the corporate.
liberalised remittances scheme
The govt has issued rules to raise limit on funds individuals can take abroad under liberalised remittances
scheme. The limit has been raised to $2.5 lakh (about `1.6 cr) from the current $1.25 lakh (about `80 lakh).
The RBI had announced this increase in the Feb monetary policy.
Jan Dhan Yojana envisages
Only 8,000 account holders have availed of the overdraft (OD) facility under the Jan Dhan Yojana,
according to govt sources. The Jan Dhan Yojana envisages extending households an overdraft facility of
`5,000 after satisfactory operation of accounts. As the overdraft can be offered only in accounts operated
for over six months, only those that were opened before Oct 31 are currently eligible for the facility
Japan unveiled
Japan unveiled a plan on 21 May to provide $110 bn in aid for Asian infrastructure projects, as China
prepares to launch a new institutional lender that is seen as encroaching on the regional financial clout of
Tokyo and its ally Washington.
point of sales (PoS) terminals
To reduce cash transactions in the economy and boost the usage of cards and point of sales (PoS)
terminals, the Union finance ministry and Reserve Bank of India (RBI) have set up a committee to look at
ways to encourage use of plastic money. The committee has representatives from National Payments
Corporation of India, State Bank of India and ICICI Bank.
worlds first facial-recognition ATM
China has unveiled the worlds first facial-recognition ATM, which will not allow users to withdraw cash
unless their face matches their IDs. The machine was created by Tsinghua University and Hangzhou-based
technology company Tzekwan.
Kotak Mahindra Bank and ING Bank
have joined hands for exploring opportunities arising from cross-border business, investment and trade
flows across various regions, including Europe. A Memorandum of Understanding (MoU) to this effect was
signed in the presence of the visiting Netherlands PM Mark Rutte to India on 5 Jun.
benchmark index Sensex
The private sector electricity producer Tata Power moved out of the stock market benchmark index Sensex
and was replaced by pharmaceuticals company Lupin. Adani Power is to be excluded from the S&P BSE 100
and be replaced by Aurobindo Pharma. In addition, Tata Motors. class A shares or DVR shares will also be
included in BSE 100. Asias oldest exchange also removed Canara Bank and Bank of India from the Bankex,
and replaced 26 companies from the BSE 500 index by introducing 27 stocks as part of their index
rebalancing.
The Forward Markets Commission
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(FMC) will have to complete all pending investigations before its merger with the securities market
regulator, Securities and Exchange Board of India (Sebi). This is one of the key conditions put by Sebi,
working to ensure a smooth transition from being a stock market regulator to one for commodities, too.
The commodities regulator is being merged with Sebi following an announcement in the Union budget in
Feb.
Key financial terms

APR: It stands for Annual Percentage Rate. APR is a percentage that is calculated on the basis of the
amount financed, the finance charges, and the term of the loan.
ABS: Asset-Backed Securities. It means a type of security that is backed by a pool of bank loans, leases, and
other assets.
EPS: Earnings Per Share means the amount of annual earnings available to common stockholders as stated
on a per share basis.
CHAPS: Clearing House Automated Payment System. Its a type of electronic bank-to-bank payment system
that guarantees same-day payment.
IPO: Initial Public Offerings is defined as the event where the company sells its shares to the public for the
first time. (or the first sale of stock by a private company to the public.)
FPO: Follow on Public Offerings: An issuing of shares to investors by a public company that is already listed
on an exchange. An FPO is essentially a stock issue of supplementary shares made by a company that is
already publicly listed and has gone through the IPO process.
Difference: IPO is for the companies which have not been listed on an exchange and FPO is for the
companies which have already been listed on an exchange but want to raise funds by issuing some more
equity shares.
RTGS: Real Time Gross Settlement systems is a funds transfer system where transfer of money or securities
takes place from one bank to another on a real time. (Real time means within a fraction of seconds.)
The minimum amount to be transferred through RTGS is Rs 2 lakh. Processing charges/Service charges for
RTGS transactions vary from bank to bank.
NEFT: National Electronic Fund Transfer. This is a method used for transferring funds across banks in a
secure manner. It usually takes 1-2 working days for the transfer to happen. NEFT is an electronic fund
transfer system that operates on a Deferred Net Settlement (DNS) basis which settles transactions in
batches. (Note: RTGS is much faster than NEFT.)
CAR: Capital Adequacy Ratio. Its a measure of a banks capital. Also known as Capital to Risk Weighted
Assets Ratio (CRAR), this ratio is used to protect depositors and promote the stability and efficiency of
financial systems around the world. It is decided by the RBI.
NPA: Non-Performing Asset. It means once the borrower has failed to make interest or principal payments
for 90 days, the loan is considered to be a non-performing asset. Presently it is 2.39%.
IMPS: Inter-bank Mobile Payment Service. It is an instant interbank electronic fund transfer service
through mobile phones. Both the customers must have MMID (Mobile Money Identifier Number). For this
service, we dont need any GPS-enabled cell phones.
BCBS: Basel Committee on Banking Supervision is an institution created by the Central Bank governors of
the Group of Ten nations.
RSI: Relative Strength Index.
IFSC code: Indian Financial System Code. The code consists of 11 characters for identifying the bank and
branch where the account in actually held. The IFSC code is used both by the RTGS and NEFT transfer
systems.
MSME and SME: Micro Small and Medium Enterprises (MSME), and SME stands for Small and Medium
Enterprises. This is an initiative of the government to drive and encourage small manufacturers to enjoy
facilities from banks at concessional rates.
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LIBOR: London InterBank Offered Rate. An interest rate at which banks can borrow funds, in marketable
size, from other banks in the London interbank market.
LIBID: London Interbank Bid Rate. The average interest rate at which major London banks borrow
Eurocurrency deposits from other banks.
ECGC: Export Credit Guarantee Corporation of India. This organisation provides risk as well as insurance
cover to the Indian exporters.
SWIFT: Society for Worldwide Interbank Financial Telecommunication. It operates a worldwide financial
messaging network which exchanges messages between banks and other financial institutions.
STRIPS: Separate Trading for Registered Interest & Principal Securities.
CIBIL: Credit Information Bureau of India Limited. CIBIL is Indias first credit information bureau. Whenever
a person applies for new loans or credit card(s) to a financial institution, they generate the CIBIL report of
the said person or concern to judge the credit worthiness of the person and also to verify their existing
track record. CIBIL actually maintains the borrowers history.
CRISIL: Credit Rating Information Services of India Limited. Crisil is a global analytical company providing
ratings, research, and risk and policy advisory services.
AMFI: Association of Mutual Funds of India. AMFI is an apex body of all Asset Management Companies
(AMCs) which have been registered with SEBI. (Note: AMFI is not a mutual funds regulator)
FCCB: Foreign Currency Convertible Bond. A type of convertible bond issued in a currency different from
the issuers domestic currency.
CAC: Capital Account Convertibility. It is the freedom to convert local financial assets into foreign financial
assets and vice versa. This means that capital account convertibility allows anyone to freely move from
local currency into foreign currency and back, or in other words, transfer of money from current account to
capital account.
BANCASSURANCE: Is the term used to describe the partnership or relationship between a bank and an
insurance company whereby the insurance company uses the bank sales channel in order to sell insurance
products.
Balloon payment: Is a specific type of mortgage payment, and is named balloon payment because of the
structure of the payment schedule. For balloon payments, the first several years of payments are smaller
and are used to reduce the total debt remaining in the loan. Once the small payment term has passed
(which can vary, but is commonly 5 years), the remainder of the debt is due - this final payment is the one
known as the balloon payment, because it is larger than all of the previous payments.
CPSS: Committee on Payment and Settlement Systems
FCNR Accounts: Foreign Currency Non-Resident accounts are the ones that are maintained by NRIs in
foreign currencies like USD, DM, and GBP.
M3 in banking: Its a measure of money supply. It is the total amount of money available in an economy at
a particular point in time.
OMO: Open Market Operations. The buying and selling of government securities in the open market in
order to expand or contract the amount of money in the banking system. Open market operations are the
principal tools of monetary policy. RBI uses this tool in order to regulate the liquidity in economy.
Umbrella Fund: A type of collective investment scheme. A collective fund containing several sub-funds,
each of which invests in a different market or country.
ECS: Electronic Clearing Facility is a type of direct debit.
Tobin tax: Suggested by Nobel Laureate economist James Tobin, was originally defined as a tax on all spot
conversions of one currency into another.
Z score is a term widely used in the banking field.
POS: Point Of Sale, also known as Point Of Purchase, a place where sales are made and also sales and
payment information are collected electronically, including the amount of the sale, the date and place of
the transaction, and the consumers account number.
LGD: Loss Given Default. Institutions such as banks will determine their credit losses through an analysis of
the actual loan defaults.
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Junk Bonds: Junk bonds are issued generally by smaller or relatively less well-known firms to finance their
operations, or by large and well-known firms to fund leveraged buyouts. These bonds are frequently
unsecured or partially secured, and they pay higher interest rates: 3 to 4 percentage points higher than the
interest rate on blue chip corporate bonds of comparable maturity period.
ARM: Adjustable Rate Mortgage is basically a type of loan where the rate of index is calculated on the basis
of the previously selected index rate.
ABO: Accumulated Benefit Obligation, ABO is a measure of liability of pension plan of an organisation and
is calculated when the pension plan is terminated.
Absorption: A term related to real estate, it is a process of renting a real estate property which is newly
built or recently approved.
AAA: A type of grade that is used to rate a particular bond. It is the highest rated bond that gives maximum
returns at the time of maturity.
DSCR: Debt Service Coverage Ratio, DSCR is a financial ratio that measures the companys ability to pay
their debts.
FSDC: Financial Stability and Development Council, Indias apex body of the financial sector.
ITPO: India Trade Promotion Organisation is the nodal agency of the Government of India for promoting
the countrys external trade.
FLCC: Financial Literacy and Counseling Centres.
ANBC: Adjusted Net Bank Credit is Net Bank Credit added to investments made by banks in non-SLR bonds.
Priority sector lending: Some areas or fields in a country depending on its economic condition or
government interest are prioritised and are called priority sectors i.e. industry, agriculture.
M0, M1, M2 AND M3: These terms are nothing but money supply in banking field.
BIFR: Bureau of Industrial and Financial Reconstruction.
FRBM Act 2003: Fiscal Responsibility and Budget Management act was enacted by the Parliament of India
to institutionalise financial discipline, reduce Indias fiscal deficit, and improve macroeconomic
management and the overall management of the public funds by moving towards a balanced budget.
The main objectives of FRBM Act are:1. To reduce fiscal deficit.
2. To adopt prudent debt management.
3. To generate revenue surplus.
Gold Standard: A monetary system in which a countrys government allows its currency unit to be freely
converted into fixed amounts of gold and vice versa.
Fiat Money: Fiat money is a legal tender for settling debts. It is a paper money that is not convertible and is
declared by government to be legal tender for the settlement of all debts.
BCSBI: The Banking Codes and Standards Board of India is a society registered under the Societies
Registration Act, 1860 and functions as an autonomous body, to monitor and assess the compliance with
codes and minimum standards of service to individual customers to which the banks agree to.
OLTAS: On-Line Tax Accounting System.
EASIEST: Electronic Accounting System in Excise and Service Tax.
SOFA: Status of Forces Agreement, SOFA is an agreement between a host country and a foreign nation
stationing forces in that country.
CALL MONEY: Money loaned by a bank that must be repaid on demand. Unlike a term loan, which has a
set maturity and payment schedule, call money does not have to follow a fixed schedule. Brokerages use
call money as a short-term source of funding to cover margin accounts or the purchase of securities. The
funds can be obtained quickly.
Scheduled bank: Scheduled Banks in India constitute those banks which have been included in the Second
Schedule of RBI Act, 1934 as well as their market capitalisation is more than Rs 5 lakh. RBI in turn includes
only those banks in this schedule which satisfy the criteria laid down vide section 42 (6) (a) of the Act.
FEDAI: Foreign Exchange Dealers Association of India. An association of banks specialising in the foreign
exchange activities in India.
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PPF: Public Provident Fund. The Public Provident Fund Scheme is a statutory scheme of the Central
Government of India. The scheme is for 15 years. The minimum deposit is Rs 500 and maximum is Rs
70,000 in a financial year.
SEPA: Single Euro Payment Area.
GAAP: Generally Accepted Accounting Principles. The common set of accounting principles, standards and
procedures that companies use to compile their financial statements.
Indian Depository Receipt: Foreign companies issue their shares and in return they get the depository
receipt from the National Security Depository in return of investing in India.
Hot Money: Money that is moved by its owner quickly from one form of investment to another, as to take
advantage of changing international exchange rates or gain high short-term returns on investments.
NMCEX: National Multi-Commodity Exchange.
PE RATIO: Price to Earnings Ratio, a measure of how much investors are willing to pay for each dollar of a
companys reported profits.
CASA: Current Account, Savings Account.
CAMELS: CAMELS is a type of Bank Rating System. (C) stands for Capital Adequacy, (A) for Asset Quality,
(M) for Management ,(E) for Earnings, (L) for Liquidity and (S) for Sensitivity to Market Risk.
OSMOS: Off-site Monitoring and Surveillance System.
Free market: A market economy based on supply and demand with little or no government control.
Retail banking: It is mass-market banking in which individual customers use local branches of larger
commercial banks.
Eurobond: A bond issued in a currency other than the currency of the country or market in which it is
issued.
PPP: Purchasing Power Parity is an economic technique used when attempting to determine the relative
values of two currencies.
FEMA Act: Foreign Exchange Management Act, it is useful in controlling HAWALA.
Hawala transaction: Its a process in which large amount of black money is converted into white.
Teaser Loans: It is a type of home loans in which the interest rate is initially low and then grows higher.
Teaser loans are also called terraced loans.
ECB: External Commercial Borrowings, taking a loan from another country. Limit of ECB is $500 million, and
this is the maximum limit a company can get.
CBS: Core Banking Solution. All the banks are connected through internet, meaning we can have
transactions from any bank and anywhere. (e.g. deposit cash in PNB, Delhi branch and withdraw cash from
PNB, Gujarat)
CRAR: For RRBs it is more than 9% (funds allotted 500 cr) and for commercial banks it is greater than 8%
(6000 cr relief package).
NBFCs: NBFC is a company which is registered under Companies Act, 1956 and whose main function is to
provide loans. NBFC cannot accept deposit or issue demand draft like other commercial banks. NBFCs
registered with RBI have been classified as AssetFinance Company (AFC), Investment Company (IC) and
Loan Company (LC).
IIFCL: India Infrastructure Finance Company Limited. It gives guarantee to infra bonds.
IFPRI: International Food Policy Research Institute. It identifies and analyses policies for meeting the food
needs of the developing world.
Currency swap: It is a foreign-exchange agreement between two parties to exchange aspects (namely the
principal and/or interest payments) of a loan in one currency for equivalent aspects of an equal in net
present value loan in another currency. Currency swap is an instrument to manage cash flows in different
currency.
WPI: Wholesale Price Index is an index of the prices paid by retail stores for the products they ultimately
resell to consumers. New series is 2004 2005. (The new series has been prepared by shifting the base year
from 1993-94 to 2004-05). Inflation in India is measured on WPI index.
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MAT: Minimum Alternate Tax is the minimum tax to be paid by a company even though the company is
not making any profit.
Future trading: Its a future contract/agreement between the buyers and sellers to buy and sell the
underlying assets in the future at a predetermined price.
Reverse mortgage: Its a scheme for senior citizens.
Basel 2nd norms: BCBS has kept some restrictions on bank for the maintenance of minimum capital with
them to ensure level playing field. Basel II has got three pillars:
Pillar 1- Minimum capital requirement based on the risk profile of bank.
Pillar 2- Supervisory review of banks by RBI if they go for internal ranking.
Pillar 3- Market discipline.
Microfinance institutions: Those institutions that provide financial services to low-income clients.
Microfinance is a broad category of services, which includes microcredit. Microcredit is provision of credit
services to poor clients.
NPCI: National Payments Corporation of India.
DWBIS: Data Warehousing and Business Intelligence System, a type of system which is launched by SEBI.
The primary objective of DWBIS is to enhance the capability of the investigation and surveillance functions
of SEBI.
TRIPS: Trade Related Intellectual Property Rights is an international agreement administered by the World
Trade Organisation (WTO) that sets down minimum standards for many forms of intellectual property (IP)
regulation as applied to nationals of other WTO Members.
TRIMs: Trade Related Investment Measures. A type of agreement in WTO.
SDR: Special Drawing Rights, SDR is a type of monetary reserve currency, created by the International
Monetary Fund. SDR can be defined as a basket of national currencies. These national currencies are
Euro, US dollar, British pound and Japanese yen. Special Drawing Rights can be used to settle trade
balances between countries and to repay the IMF. American dollar gets highest weightage.
LTD: Loan-To-Deposit Ratio. A ratio used for assessing a banks liquidity by dividing the banks total loans
by its total deposits. If the ratio is too high, it means that banks might not have enough liquidity to cover
any fund requirements, and if the ratio is too low, banks may not be earning as much as they could be.
CAD: Current Account Deficit. It means when a countrys total imports of goods, services and transfers is
greater than the countrys total export of goods, services and transfers.
LERMS: Liberalized Exchange Rate Management System.
FRP: Fair and Remunerative Price, a term related to sugarcane. FRP is the minimum price that a sugarcane
farmer is legally guaranteed. However sugar Mills Company gives more than FRP price.
STCI: Securities Trading Corporation of India Limited was promoted by the Reserve Bank of India (RBI) in
1994 along with Public Sector Banks and All India Financial Institutions with the objective of developing an
active, deep and vibrant secondary debt market.
IRR: Internal Rate of Return. It is a rate of return used in capital budgeting to measure and compare the
profitability of investments.
CMIE: Centre for Monitoring Indian Economy. It is Indias premier economic research organisation. It
provides information solutions in the form of databases and research reports. CMIE has built the largest
database on the Indian economy and companies.
TIEA: Tax Information Exchange Agreement. TIEA allows countries to check tax evasion and money
laundering. Recently India has signed TIEA with Cayman Islands.
Contingency Fund: Its a fund for emergencies or unexpected outflows, mainly economic crises. A type of
reserve fund which is used to handle unexpected debts that are outside the range of the usual operating
budget.
FII: Foreign Institutional Investment. The term is used most commonly in India to refer to outside
companies investing in the financial markets of India. International institutional investors must register
with the Securities and Exchange Board of India to participate in the market.
P-NOTES: P means participatory notes.
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MSF: Marginal Standing Facility. Under this scheme, banks will be able to borrow upto 1% of their
respective net demand and time liabilities. The rate of interest on the amount accessed from this facility
will be 100 basis points (i.e. 1%) above the repo rate. This scheme is likely to reduce volatility in the
overnight rates and improve monetary transmission.
FIU: Financial Intelligence Unit set by the Government of India on 18 November 2004 as the central
national agency responsible for receiving, processing, analysing and disseminating information relating to
suspect financial transactions.
ASBA: Application Supported by Blocked Amount. It is a process developed by the SEBI for applying to IPO.
In ASBA, an IPO applicants account doesnt get debited until shares are allotted to him.
DEPB Scheme: Duty Entitlement Pass Book. It is a scheme which is offered by the Indian government to
encourage exports from the country. DEPB means Duty Entitlement Pass Book to neutralise the incidence
of basic and special customs duty on import content of export product.
LLP: Limited Liability Partnership, is a partnership in which some or all partners (depending on the
jurisdiction) have limited liability.
Balance sheet: A financial statement that summarises a companys assets, liabilities and shareholders
equity at a specific point in time.
TAN: Tax Account Number, is a unique 10-digit alphanumeric code allotted by the Income Tax Department
to all those persons who are required to deduct tax at the source of income.
PAN: Permanent Account Number, as per section 139A of the Act obtaining PAN is a must for the following
persons:1. Any person whose total income or the total income of any other person in respect of which he is
assessable under the Act exceeds the maximum amount which is not chargeable to tax.
2. Any person who is carrying on any business or profession whose total sales, turnover or gross receipts
are or are likely to exceed Rs. 5 lakh in any previous year.
3. Any person who is required to furnish a return of income under section 139(4) of the Act.
JLG: Joint Liability Group, when two or more persons are both responsible for a debt, claim or judgment.
REER: Real Effective Exchange Rate.
NEER: Nominal Effective Exchange Rate.
Contingent Liability: A liability that a company may have to pay, but only if a certain future event occurs.
IRR: Internal Rate of Return, is a rate of return used in capital budgeting to measure and compare the
profitability of investments.
MICR: Magnetic Ink Character Recognition. A 9-digit code which actually shows whether the cheque is real
or fake.
UTR Number: Unique Transaction Reference number. A unique number which is generated for every
transaction in RTGS system. UTR is a 16-digit alphanumeric code. The first 4 digits are a bank code in
alphabets, the 5th one is the message code, the 6th and 7th mention the year, the 8th to 10th mentions
the date and the last 6 digits mention the days serial number of the message.
RRBs: Regional Rural Banks. As its name signifies, RRBs are specially meant for rural areas, capital share
being 50% by the central government, 15% by the state government and 35% by the scheduled bank.
MFI: Micro Finance Institutions. Micro Finance means providing credit/loan (micro credit) to the weaker
sections of the society. A microfinance institution (MFI) is an organisation that provides financial services
to the poor.
PRIME LENDING RATE: PLR is the rate at which commercial banks give loans to its prime customers (most
creditworthy customers).
BASE RATE: A minimum rate that a bank is allowed to charge from the customer. Base rate differs from
bank to bank. It is actually a minimum rate below which the bank cannot give loan to any customer. Earlier
base rate was known as BPLR (Base Prime Lending Rate).
EMI: Equated Monthly Instalment. It is nothing but a repayment of the loan taken. A loan could be a home
loan, car loan or personal loan. The monthly payment is in the form of post dated cheques drawn in favour
of the lender. EMI is directly proportional to the loan taken and inversely proportional to time period. That
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is, if the loan amount increases the EMI amount also increases and if the time period increases the EMI
amount decreases.
Basis points (bps): A basis point is a unit equal to 1/100th of a percentage point. i.e. 1 bps = 0.01%. Basis
points are often used to measure changes in or differences between yields on fixed income securities,
since these often change by very small amounts.
Liquidity: It refers to how quickly and cheaply an asset can be converted into cash. Money (in the form of
cash) is the most liquid asset.
Certificate of Deposit (CD) is a negotiable money market instrument and issued in dematerialised form for
funds deposited at a bank or other eligible financial institution for a specified time period.
Commercial Paper (CP) is an unsecured money market instrument issued in the form of a promissory note.
It was introduced in India in 1990. Corporate and the All-India Financial Institutions are eligible to issue CP
STATIC GK
AGRICULTURAL REVOLUTIONS & FATHERS
Protein revoultion --higher productivity(Techonology driven 2nd green revolution)-----coined by -Modi & Arun jaitely
Green Revolution --Food grains
Father of green revolution --"Norman borlang" USA
Father of indian green revolution --"M.S.swaminathan" --INDIA
Green revolution "word" COINED by ---" william s.goud" --UK
White Revolution or Operation Flood---Milk production -- "VARGHESE KURIEN "
Yellow Revolution --Oil Seeds production--" Sam Pitroda
Black Revolution --Petroleum Production
Blue Revolution --Fish Production---"DR.ARUN KRISHNAN".
Brown Revolution --Leather/non-conventional(India)/Cocoa production
Golden Fiber Revolution --Jute Production
Golden Revolution --Fruits/Horticulture development/Honey Production--"NIRPAKH TUTEJ"
Grey Revolution --Fertilizer
Pink Revolution --Onion production/Pharmaceutical (India)/Prawn production--"DURGESH
PATEL"
FATHER OF INDUCED BREEDING--"PROF.HIRLAL CHAUDRI"
Red Revolution --Meat & Tomato Production--"VISHAL TEWARI"
Round Revolution ---Potato
Silver Fiber Revolution Cotton
Silver Revolution --Egg/Poultry Production --"INDIRA GANDHI"
Evergreen Revolution --Overall development of Agriculture--Started in 11th plan (2007-2012)
Father of Telecom revolution -- sampitroda
Father of poultry revolution --B.V.RAO
Productions of crops in india highest as per states
Andhra Pradesh-- vegetable oil production, shrimp

Arunachal Pradesh--shifting cultivation, fruits
Assam- Tea, silk
Bihar--potato
Chhattisgarh--paddy ( Rice bowl of central india)
Delhi--wheat
Goa--cashewnuts
Gujarat-- cotton ,sugar
Haryana--Wheat and rice
Himachal Pradesh-- fruit & vegetables
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Jammu and Kashmir--apples, cardamom

Jharkhand--Lac Production
Karnataka--coffee(chitmanglore), silk
Kerala-- spices, rubber, ginger
Madhya Pradesh--pulses , oil seeds
Maharashtra-- cotton ,sugarcane
Manipur--Horticulture,jute
Meghalaya-- ginger
Mizoram--Maize
Nagaland--Oilseeds,rice
Odisha--Coarse cereals,jute
Puducherry--coconut cultivation
Punjab-- wheat , cotton , sugar,millet
Rajasthan--Coarse Cereal,pulses
Sikkim--maize, millet, wheat, barley, oranges, tea and cardamom
Tamil Nadu--Flowers ,rice , horticulture
Telangana-- fruits ,cotton, sugarcane, mango and tobacco
Tripura--potato, sugarcane, mesta, pulses and jute
Uttar Pradesh--rice ,wheat ,maize , potatoe, oilseeds
Uttarakhand--Basmati rice, wheat soybeans, groundnuts
West Bengal--jute ,Rice, potato
SOME FAMOUS COMPANIES

1. Airbus- france (Aircraft Manufacturer)
2. Posco- south korea (Steel company)
3. Boeing- usa (Aircraft)
4. Fiat--Itly (Automobiles)
5. Nissan- Japan (Automobiles)
6. Toyta--Japan (Automobiles)
7. Honda-- Japan (Automobiles)
8. BMW- Germany(Automobiles)
9. Audi--Germany (Automobiles)
10. Volkswagon-- Germany(Automobiles)
11. Hyundai-- South korea(Automobiles)
12. ford-- USA(Automobiles)
13. Suzaki-- Japan(Automobiles)
14. Renault-- France(Automobiles)
15. Volvo-- Sweedon(Automobiles)
16. Ashoka Leyland-- India
17. Samsung-- South korea( Electronics and electrical)
18. Hitachi--- Japan ( Electrical Appliances)
19. LG --- South Korea( Electronics and electrical)
20. Whirlpool-- USA ( Electrical Appliances)
21. Ericssion--- Swedon (Telecom)
22. Nokia-- Finland (Telecom)
23. Motorola--USA (Telecom)
24. Vodaphone-- Uk,Britain (Telecom)
25. Barclays Bank-- UK (Finance)
26. Deutsche Bank-- Germany(Finance)
27. Goldman Sachs--USA (Finance)
28. Accenture-- Ireland (IT)
29. Infosys--India (IT)
30. TCS-- India (IT)
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31. WIPRO-- India (IT)
32. Apple-- USA (Electronic Appliances)
33. Google- USA (IT Services)
34. Yahoo-- USA (IT Services)
35. Sony-- Japan (Electronic Appliances)
36. Intel-- USA (Hardware)
SECC 2011 is unique paperless census
The last caste that happen in India is 1932

Total households in the country -- 24.39 crore
The total households in villages -- 17.91 crore
Households are considered as deprived in rural area -- 10.69 crore
villages belong to SC/ST categories -- 21.53% or 3.86 crore
Highest number of SC population -- Punjab (36.74%)
Highest number of ST population --Mizoram(98.79)
Highest mobile penetration state in rural areasUttaraPradesh
Lowest mobile Penetration state in rural areasChattisgarh
How many rural household earn below 5000 rupees month--13.34 cr
Many rural household earn 10000 and more--1.48 cr
State has highest number of manual scavenger Tripura
State has zero manual scavenger Delhi
Rural households in the country pay income tax--4.58%
Households in rural areas are landless -- 5.37 crore or 29.97%
State landness household is higher Kerala
States with the lowest rates of landlessness -- J &K and Himachal Pradesh
Families in villages that live in one room with kaccha walls and roof - 2.37 crore or 13.25%
House holds in rural areas has land line phone -- 17.85 lak or 1%
House hold having mobile phone in village--12.24 cr or 68.35%
illiterate number of people in rural areas--3.1 cr or 17.31%
rural household having refrigerator --1.97 cr or 11.04%
Rural household paying income tax in india-- 6%
Rural people have considered deprived or poor--8.96 cr
No adult member in household between age 18 and 59 in rural areas --65.15 lac or 3.64%
Female headed house with no adult male between 16 and 59 in rural areas --- 68.96 lac or 3.85%
Member with no other able bodied adult member ----7.16 lac or 040%
Households with no literate adult above age 25 years in areas -- 4.21cr or 23.52%
Rural household with one salaried member -- 2.50 cr
Average size of a rural Indian household -- 4.93
Highest size of a rural Indian household -6.28 UttarPradesh
Lowest size of a rural Indian household --3.86 Andhrapradesh
How many percent of trans gender in rural population -- 0.1%
Highest rural illiterate Rajasthan
Lowest rural illiterate Kerala
The percentage of Scheduled Caste (SC) households paying income tax -3.49%
Scheduled Tribe (ST) tax-paying rural households --3.34%
Manual casual labour in rural areas-9.16 cr
Cultivation in rural areas--5.39cr
(Religion)Census 2011
Total Population in 2011 is 121.09 crores
Hindu 96.63 crores (79.8%)
Muslim 17.22 crores (14.2%)
Christian 2.78 crores (2.3%)
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Sikh 2.08 crores (1.7%)

Buddhist 0.84 crores (0.7%)
Jain 0.45 crores (0.4%),
Other Religions & Persuasions (ORP) 0.79 crores (0.7%)
Religion Not Stated 0.29 crores (0.2%).
POPULATION CENSUS -2011

It has been conducted every 10 years, beginning in 1871.
Census 2011 were released in New Delhi on 31st March 2011
Union Home Secretary GK Pillai and RGI C Chandramouli.
Census 2011 was the 15th census of india & 7th census after Independece
The motto of census 2011 was Our Census, Our future.
Total estimated cost of the Census was INR2200 crore (US$350 million).
First census in 1872.
Present Registrar General & Census Commissioner C.Chandra Mouli
Total Population 1,210,569,573 (1.21 Billion)
India in 2nd rank in population with 17.64%. decadal growth & China is 1st rank with decadal
growth 19% (over 1.35 billion)
World Population is 7 Billions
Increase in population during 2001 2011 is 181 Million
Population 1210.19 million [Males 623.7 million (51.54%) Females 586.46 million (48.46%)
Top Populous of the Country
1. Uttar Pradesh--19, 98, 12,341
2. Maharashtra--11, 23, 74, 33
3. Bihar--10, 40, 99,452
4. West Bengal--9, 12, 76,115
5. Andhra Pradesh--8, 45, 80,777
Least Populous of the Country
1. Lakshadweep 64,473
2. Daman and Diu
2,43,247
3. Dadra and Nagar Haveli
3,43,709
4. Andaman and Nicobar Islands
3,80,581
5. Sikkim 6,10,577
Population Highlight
Highest Populous UT-Delhi
Least Populous UT-Lakshadweep
Highest Populous state
--Uttar Pradesh
Least populous state--Sikkim
Highest urban Population in india (state& UT)--Maharashtra 4,11,00,980
Lowest urban Population in india (state& UT)--Lakshadweep 26,967
Highest Rular Population in india (state& UT)--Uttar Pradesh 13,16,58,339
Lowest Rular Population in india (state& UT)--Lakshadweep 33,683
Sex Ratio (Females per 1000 Males) Sex ratio in India--943
Highest sex ratio in state--Kerala (1084)
Lowest sex ratio in state--Haryana (879)
Highest sex ratio in UT--Pondicherry (1037)
Lowest sex ratio in UT--Daman and Diu (618)
Child (0-6 years) sex ratio--914
Highest child (0-6) sex ratio in state--Mizoram (971)
Lowest child (0-6) sex ratio in state--Haryana (830)
Total Person Literacy Rate--74%
Males--82.14%
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Females--65.46%
Highest Literacy Rate in State--Kerala (94%)
Lowest Literacy Rate in State--Bihar (61.8%)
Hightest Literacy Rate in UT--Lakshadweep (91%)
Lowest Literacy Rate in UT--Dadra and Nagar Haveli (76.24%)
IMPORTANT ARTICLES OF INDIAN CONSTITUTION:

Article 1 - Name and Territory of the Union.
Article 14 - Relates to Right to Equality
Article 17 - Abolishes the practice of untouchability
Article 18 - Prohibits the state from conferring any title.
Article 19 - Deals with six freedoms of Indian citizens namely,
freedom of speech and expression
(d) freedom of movement throughout the territory of India
(e) freedom of residence and settlement in any part of India
(d) Freedom of occupation.
Article 21 - Provides protection to life and liberty to all persons
Article 21A - Right to elementary education.
Article 22 - Affords protection against arbitrary arrest & detention
Article 23 - Prohibits the traffic in human beings and beggars. (making a person work without wages or
adequate compensation)
Article 24 - Prohibits the employment of children below 14 years.
Articles 25-28 - Relates to Right to freedom of religion
Article 32 - Right to Constitutional Remedies described as The heart and soul of the Constitution by Dr. B.R.
Ambedkar
Article 36-51 -Relates to Directive Principles of State Policy.
Article 39A - Free legal aid
Article 40 - Deals with the formation of Panchayats
Article 44 - Uniform Civil Code for the Citizens.
Article 45 - Free and compulsory education to all children below 14 years of age.
Article 50 - Separation of Judiciary
Article 51 - Promotion of International peace & security
Article 51(A) - Relates to list of Fundamental Duties
Article 74 - Council of Ministers to aid and advice the President
Article 110 - Definition of Money Bills.
Article 112 - Annual Financial Statement (Budget)
Article 123 - Power of President to promulgate ordinances during recess of Parliament.
Article 262 - Adjudication of disputes relating to waters of Inter -state rivers or river valleys.
Article 312 - All India Services
Article 315 - Public Service Commissions for the Union and for the states.
Article 324 - Relates to the Election Commission
Article 352 - Gives provision regarding emergencies
Article 356 - Proclamation of Presidents Rule in the states.
Article 368 - Amendment of the Constitution by the Parliament
Article 370 - Special status to Jammu and Kashmir
Commission in India & Chairman

Finance Commission--Y.V.Reddy
Atomic Energy CommissionSekhar basu
Election commission --Syed Nasim Ahmad Zaidi
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Law Commission-- Ajit Prakash Shah

Competition Commission--Ashok Chawla
National Commission for Women--Lalitha Kumaramangalam
National Human rights commission -- Cyriac Joseph
National Commission for SC--P. L. Punia
National Commission for ST--Rameshwar Oraon
Union Public Service Commission--Deepak Gupta
National Knowledge Commission--Sam Pitroda
University Grants Commission--Ved Prakash
Central Water Commission of --Ashwin B. Pandya
7th Pay Commission--Ashok Kumar Mathur
IMPORTANT HYDROPOWER DAMS

ANDHRAPRADESH
1. Nizam Sagar Dam-Manjira River-Andhra Pradesh
2. Prakasam Barrage-Krishna River-Andhra Pradesh
3. Srisailam Dam-Krishna River-Andhra Pradesh
GUJRAT
1. Ukai Dam-Gujarat
2. Dharoi Dam-Banas River-Gujarat
3. Dantiwada Dam-Sabarmati River-Gujarat
HIMACHAL PRADESH
1. Pandoh Dam-Beas River-Himachal Pradesh
2. Bhakra Nangal Dam-Sutlej River-Himachal Pradesh
3. Nathpa Dam-Sutlej River-Himachal Pradesh
4. Gobind Sagar, Reservoir-Sutlej River-Himachal Pradesh
5. Maharana Pratap Sagar Reservoir-Himachal Pradesh
JAMMU & KASHMIR
1. Salal Project-Chenab River-Jammu & Kashmir
2. Chutak Hydroelectric Project-Jammu & Kashmir
3. Dumkhar Hydroelectric Dam-Indus River-Jammu & Kashmir
4. Uri Hydroelectric Dam-Jhelum River-Jammu & Kashmir
JHARKHAND
1. Maithon Dam-Barakar Rive-Jharkhand
2. Chandil Dam-Subarnarekha River-Jharkhand
3. Panchet Dam-Damodar River-Jharkhand
KARNATAKA
1. Tunga Bhadra Dam-Tungabhadra River and Krishna River-Karnataka
2. Linganamakki dam-Sharavathi River-Karnataka
3. Alamatti Dam-Krishna River-Karnataka
4. Harangi Dam-Cauvery River-Karnataka
5. Ghataprabha Reservoir-Ghataprabha River-Karnataka
KERALA
1. Banasura Sagar Dam-Chalakudy River-Kerala
2. Malampuzha Dam-Malampuzha River-Kerala
3. Idukki Dam-Periyar River-Kerala
4. Mullaperiyar Dam-Pennar River-Kerala
5. Neyyar Dam-Pennar River-Kerala.
MADHYA PRDESH
1. Barna Dam-Barna River-Madhya Pradesh
2. Indirasagar Project-Narmada River-Madhya Pradesh
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3. Narmada Dam Project-Narmada River-Madhya Pradesh
4. Gandhi Sagar Dam-Chambal River-Madhya Pradesh
5. Tawa Reservoir-Tawa River-Madhya Pradesh
MAHARASTRA
1. Koyna Dam-Koyna River-Maharashtra
2. Bhatsa Dam-Bhatsa and Chorna rivers-Maharashtra
3. Wilson Dam-Pravara River-Maharashtra
4. Girna Dam-Girna and Godavari River-Maharashtra
5. Radhanagari Dam-Bhogawati River-Maharashtra
ODSIHA
1. Jalaput Dam-Orissa
2. Balimela Reservoir-Sileru River-Orissa
3. Indravati Dam-Indravati River-Orissa
4. Hirakud Dam-Mahanadi River-Orissa
RAJASTHAN__MBisalpur dam-banas river--RAJASTHAN
TAMILNADU
1. Vaigai Dam-Vaigai River-Tamil Nadu
2. Krishnagiri Reservoir-Tamil Nadu
3. Pechiparai Reservoir-River Kodayar-Tamil Nadu
4. Vidur Reservoir-Tamil Nadu
5. Perunchani Dam-Paralayar River-Tamil Nadu
6. Periyar Reservoir-Periyar River-Tamil Nadu
7. Stanley Reservoir-Kaveri River-Tamil Nadu
8. Mettur Dam-Kaveri River-Tamil Nadu
9. Bhavanisagar Reservoir-Bhavani River-Tamil Nadu
10. Parambikulam Reservoir-Parambikulam River-Tamil Nadu
UTTARPRADESH_
1. Parichha Dam-Betwa River-Uttar Pradesh
2. Rihand Project-Rihand River and Son River-Uttar Pradesh
3. Govind Ballabh Pant Sagar Dam-Rihand River-Uttar Pradesh
4. Tehri Dam-Bhagirathi River-Uttrakhand
NATIONAL PARKS IN INDIA
1. Balphakram National Park -Meghalaya
2. Bandipur National Park - Karnataka
3. Kudremukh National Park Karnataka
4. Bannerghatta National Park --Karnataka
5. Betla National Park
Jharkhand
6. Bhitarkanika National Park Odisha
7. Blackbuck National Park Gujarat
8. Buxa Tiger Reserve West Bengal
9. Campbell Bay National Park Andaman and Nicobar Islands
10. Chandoli National Park Maharashtra
11. Dachigam National Park Jammu and Kashmir
12. Desert National Park Rajasthan
13. Dudhwa National Park Uttar Pradesh
14. Eravikulam National Park Kerala
15. Galathea National Park Andaman and Nicobar Islands
16. Gir Forest National Park Gujarat
17. Great Himalayan National Park Himachal Pradesh
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18. Guindy National Park Tamil Nadu
19. Gulf of Mannar National Park Tamil Nadu
20. Harike Wetland Punjab
21. Hazaribagh National Park Jharkhand
22. Jaldapara National Park West Bengal
23. Jim Corbett National Park Uttarakhand
24. Kanha National Park Madhya Pradesh
25. Kanger Ghati National Park Chhattisgarh
26. Kasu bramanda Reddy National Park Telangana
27. Kaziranga National Park Assam
28. Keibul Lamjao National Park Manipur
29. Keoladeo National Park Rajasthan
30. Khangchendzonga Park Sikkim
31. Kishtwar National Park Jammu and Kashmir
32. Madhav National Park Madhya Pradesh
33. Mahatma National Park Andaman and Nicobar Islands
34. Manas National Park Assam
35. Mandla Fossils National Park Madhya Pradesh
36. Marine Gulf of Kutch park Gujarat
37. Mount Abu Wildlife Sanctuary Rajasthan
38. Mrugavani National Park Telangana
39. Mudumalai National Park Tamil Nadu
40. Namdapha National Park Arunachal Pradesh
41. Nameri National Park Assam
42. Nanda Devi National Park Uttarakhand
43. Nandankanan Zoological Park Odisha
44. Navegaon National Park Maharashtra
45. Neora Valley National Park West Bengal
46. Palani Hills National Park Tamil Nadu
47. Pench National Park Madhya Pradesh
48. Periyar National Park Kerala
49. Blue Mountain National Park Mizoram
50. Pin Valley National Park Himachal Pradesh
51. Rajaji National Park Uttarakhand
52. Ranthambore National Park Rajasthan
53. Saddle Peak National Park Andaman and Nicobar Islands
54. Salim Ali National Park Jammu and Kashmir
55. Sariska Tiger Reserve Rajasthan
56. Satpura National Park Madhya Pradesh
57. Silent Valley National Park Kerala
58. Simlipal National Park Odisha
59. Singalila National Park West Bengal
60. South Button National Park Andaman and Nicobar Islands
61. Sri Venkateswara Park Andhra Pradesh
62. Sultanpur National Park Haryana
63. Sundarbans National Park West Bengal
64. Valley of Flowers National Park Uttarakhand
65. Valmiki National Park Bihar
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ATOMIC POWER PLANTS
1. Kaiga atomic power plant---karnataka
2. Kakrapar atomic power plant---Gujarat
3. Madras atomic power plantTamil Nadu
4. Narora atomic power plant---Uttar Pradesh.
5. Rajasthan atomic power plantRajasthan
6. Tarapur atomic power plant----Maharashtra
7. Kundankulam atomic power plantTamil Nadu
8. Gorakhpur atomic power plant---- Haryana
9. Chutka atomic power plant---Madhya Pradesh
10. Mahi Banswara atomic power plant---Rajasthan
11. Kaiga atomic power plant----Karnataka
12. Kovvada atomic power plant---Andhra Pradesh
13. Mithi virdhi atomic power plant---Gujarat.
Important Stadiums List
1.Salt Lake Stadium Kolkata, West Bengal
2.Buddh International Circuit Greater Noida, UP
3.Eden Gardens Kolkata, West Bengal
4.Bhim Rao Ambedkar International Sports Stadium Faizabad, Uttar Pradesh
5.Jawaharlal Nehru Stadium Kochi, Kerala
6.M.A.Chidambaram Stadium Chennai, TN
7.Shaheed Veer Narayan Singh International Cricket Stadium Raipur, Chhatishgarh
8.Green Park Stadium(Cricket) Kanpur, UP
9.Dr. Bhupen Hazarika Cricket Stadium Guwahati,
10.Assam Subrata Roy Sahara Stadium Pune, Maharashtra
11.Sardar Patel Stadium Ahmedabad, Gujarat
12.EMS Stadium Kohzikode, Kerala
13.Barabati Stadium Cuttack, Orissa
14.Fatorda Stadium Margao, Goa
15.Wankhede Stadium Mumbai, Maharashtra
16.Feroz Shah Kotla Delhi
17.Kanchenjunga Stadium Siliguri, West Bengal
18.M. Chinnaswamy Stadium Bengaluru, Karnataka
19.JRD Tata Sports Complex Jamshedpur Stadium Gwalior, Madhya Pradesh
20.Khuman Lampak Main Stadium Imphal, Manipur
21.Holkar Stadium Indore, Madhya Pradesh
22.Mangalagiri International Cricket Stadium Vijaywada, Andhra Pradesh
23.Himachal Pradesh Cricket Association Stadium Dharmashala, Himachal Pradesh
24.Sree Kanteerava Stadium Bengaluru, Karnataka
25.Kishore Bharati Krirangan Kolkata, West Bengal
26.Thyagaraj Sports Complex Delhi
27.Birsa Munda Athletics Stadium Ranchi, Jharkhand
28.G. M. C. Balayogi Athletic Stadium Hyderabad, Telengana
29.Sree Kanteerava Stadium Bengaluru, Karnataka
30.Indira Gandhi Athletic Stadium Guwahati, Assam
31.Hawla Indoor Stadium Aizawl, Mizoram
32.Barkatullah Khan Stadium Jodhpur, Rajasthan
33.Guindy Race Course Chennai, Tamil Nadu
34.Mahalaxmi Racecourse Mumbai, Maharashtra
35.MGR Race Course Stadium Madurai, Tamil Nadu
36.Sector 42 Stadium Chandigarh, Punjab
37.Dhyan Chand National Stadium Delhi Dhyan
73 | P a g e

Chand Astroturf Stadium Lucknow, Uttar Pradesh
38.Mayor Radhakrishnan Stadium ChennaiTamil Nadu
39.Dadaji Kondadev Stadium Thane--Maharashtra
40.Jawaharlal Nehru Indoor Stadium Cuttack-Odisha
41.Dr Shyama Prasad Mukherjee Indoor Stadium Taleigao, Goa
Cricket Stadiums
Eden Gardens Kolkata

Nehru Stadium Indore / Pune
Brerbon Stadium Mumbai
Roop Singh Stadium Gwalior
Wankhede Stadium Mumbai
Baramati stadium Cuttack
Jawaharlal Nehru Stadium New Delhi (First Green Stadium)
Mohinul Haq Stadium Patna
Lal Bahadur Shastri Stadium Hyderabad
Ferozeshah Kotla Stadium New Delhi
Chinnaswamy Stadium Bangalore
Motera Stadium Ahmedabad
Green Stadium Kanpur
Sardar Patel Stadium Ahmedabad
Gandhi Ground Stadium Amritsar
Chepauk Stadium and Chidmberm Chennai
Motibag Stadium Brudra
K.D. Singh Babu Stadium Lucknow
IMPORTANT LAKES
1. Wular Lake-- Wular Lake is one of the largest fresh water lakes in Asia and the largest in India, is
located in Jammu and Kashmir
2. Loktak Lake-- Loktak Lake is the largest freshwater lake in northeastern India, located in Manipur.
3. Damdama Lake-- Damdama Lake is one of the biggest natural lakes in Haryana.
4. Dal Lake--The Kashmir valley is blessed with exotic natural beauty of landscape and water bodies,
out of them one of the best is Dal Lake
5. Pichola Lake-- Lake Pichola is an artificial fresh water lake situated in Udaipur city in Rajasthan.
6. Gurudongmar Lake--Gurudongmar Lake is one of the highest lakes in the world. This fresh-water
lake is located northeast of the Kangchenjunga range in Sikkim.
7. Chilka Lake--Chilka Lake is the brackish water lake and is the largest coastal lake in India. The
Chilka Lake in situated in Orissa and is Asias largest inland salt-water lagoon.
8. Vembanad Lake--Vembanad Lake is Indias longest lake and is the largest lakes in the beautiful state
land of God, Kerala
9. Bhimtal Lake-- The pride of Bhimtal is a beautiful lake which offers magnificent vistas for tourists.
The lake is larger than Nainital lake, uttarnachal
10. Upper lake--Upper lake is the largest artificial lake in Asia, situated in City of Lakes called
Bhopal, Madhya Pradesh
11. Kolleru Lake and Pulicat Lake --are two major lakes for number of migratory birds in India-AP
SOBRIQUETS --PLACES
1. Asia paris -- lahore , pakistan
2. Africa in Miniature --Cameroon
3. Bengal sarrow -- river damodar , wetbengal , india
4. Blue mountains -- nilagiri hills , india
5. Britain of the East - Japan
6. Britain of the South - New Zealand
7. Battle field of Europe - Belgium
8. Backbone of england -- pennine mountians
9. Back bone of italy -- apenninine mountians
74 | P a g e

10. Big apple -- newyork
11. City of Cycles - Beijing
12. City of Eternal Springs - Quito (Ecuador)
13. City of Sky Scrappers - New York (USA)
14. City of Magnificent Distances - Washinton DC
15. City of Golden Gate - San Francisco (USA)
16. City of Seven Hills - Rome (Italy)
17. Cockpit of Europe - Belgium
18. Concentration Camp of Africa --Equatorial Guinea
19. Copper Country - Zambia
20. City of factories -- Knapur (U.P)
21. City of festivals -- Madurai , tamil nadu
22. City of dreaming spires -- Oxford , england
23. City of golden temple --amritsar , india
24. City of magnificent distance s-- chennai
25. City of palaces -- kolkatta , india
26. cock pit of europe -- belguim
27. City of pope -- rome
28. City of seven islands -- mumbai
29. City of snow -- canada
30. City of arbian nights -- baghdad, iraq
31. City of motor cars -- detroit , michigan (usa)
32. The City that Never Sleeps -- Cairo
33. City of roses -- chandigarh
34. City of smoke -- osaka , japan
35. City of steel in india -- jamshedpur
36. City of temples -- varanasi
37. Costliest coast -- coast rica
38. Coffee port of the world -- shantos ( brazil)
39. Dark continent -- Africa
40. Dead Heart of Africa --Chad
41. Dairy of northern europe -- denmark
42. Evergreen forest -- western ghats
43. Eighth Continent--Madagascar
44. Emerland island -- ireland
45. Empire city -- newyork
46. Eternal city -- rome
47. Eye of greece -- athens
48. Electronic city of india -- banglore
49. Forbidden city -- lhasa (tibet)
50. Friendly island -- tonga
51. Front door of australia -- darwin
52. Garden city of england - kent (england)
53. Garden city of world -- chicago , usa
54. Garden city of india -- banglore
55. Garden of europe -- italy
56. Garden of south india -- thanjavur
57. Garden of gods --colorado (USA)
58. Gate way of india -- mumbai
59. Garden provice of south africa -- natal
60. Gateway of tears -- jerusalem
61. George cross island -- malta
62. Grnaite city -- aberdeen (scotland)
75 | P a g e

63. Great white way -- broadway ( newyork)
64. Granery of india --punjab
65. Gift of the Nile --Egypt
66. Granery of south india --andhrpradesh
67. Granery of tamilnadu --tanjavuur
68. Granery of kerala -- palakkad
69. Gribraltar of the indian ocean -- aden
70. Golden state -- california , usa
71. Golden city -- johannesburg , south africa
72. Golden penisula -- thailand
73. Hermit kingdom -- korea
74. Herring pond --atlantic ocean
75. Horn of africa -- somalia
76. Holy city -- jerusalem
FESTIVALS OF INDIAN STATES
Andhrapradesh--Dasara Festival,Gangamma Jatara,Gowri Habba,Ugadi,Vaikunta Ekadashi

Assam--Ali Ai Ligang,Ambubachi Mela,Baresahariya Bhaona,Bathow puja,Bihu,Bohag Bihu,Bihuwa
dance,Brahmaputra Beach Festival,Bwisagu,Dehing Patkai festival,Jonbeel mela,Kaziranga Elephant
Festival,Magh Bihu,Porag,Rongker
Arunachal Pradesh--Siang River festival,Ziro,Solung,Nyokum,Lossar,Dree,Boori
Boot,Loku,Sanken,Reh,Myoko,Budhha Mahotsava,Choekhor,Tamladu,Mopin
Bihar--Chhath,Jivitputrika,Patliputra natya Mahotsav,Patna Sahib Mahotsav,Rajgir Mahostav,Sama
Chakeva
Chandigarh --Baisakhi,Festival of gardens,Teej
Chhattisgarh--Bastar Dussehra,Bastar Lokotsav,Dadaria,Gaur Maria Dance,Madai ,Rajim Kumbh
Goa--Shigmo,Bonderam,San joao,Panjim/Margao
Gujarat--International Kite festival,Modhera,Kutch Mahotsava,Bhavnath Mahadev fair
Saptak,Shamlaji,TarnetarVautha,Madhavrai
Haryana--Lohri,Basant Panchami,Gangore,Baisakhi,Teej,Nirjala Akadashi,Guggapir
Himachal Pradesh--Dham,Kullu Dussehra,Mandi Shivaratri ,Sati pradha
Jammu and Kashmir--Hemis,Lohri,Vaishno devi
Jharkhand--Karma,Sohari,Sarhul,Chhath puja,Jityya Bhaiya Dooj
Karnataka,Karaga,Dakkebali,Gowri Habba,Kanakadasa Jayanthi,Madikeri Dasara
Mahamastakabhisheka,Mailara Jaatre ,Mysore Dasara
Kerala--Onam,Thiruvathira,Vishu
MadhyaPradesh--Chethiyagiri vihara,Madai,Bahgoriya,Nimar utsav,Dhrupad samaroh
Maharashtra--nant chaturdashi,Bhau-beej,Gudi Padwa,Pola,Shayani Ekadashi,Vat purnima
Mizoram--Chapchar Kut ,Mim Kut ,Pawl Kut
Nagaland--Horn Bill,Nazu,Sekrenyi,Tuluni,Yemshe,Sankarni,Rengma Ngadah
Odisha--Chaiti,Dhanu,Kalahandi,Ghantapatua,Jagaddhagtri,Raja praba ,Ratha-yatra(puri),Samba
Dashami
Punjab--Maghi,Lohri,Basant,Holi,Vaisakhi,Rakhri,Teeyan
Rajasthan---Baneshwar,Gangaur,Pushkar,Teej,Urs
Sikkim--Saga Dawa,Lossong,Losar,Dasain,Tihar,Gutor cham
Tamil Nadu--Brihadeeswara Temple car festival,Jangura Habba Erwadi Santhanakkodu,Mattu
pongal,Panguni Uthiram,Thaiusam,Thimithi
Telangana--Bathukamma,Bonalu,Sammakka Saarakka Jaathara,Peerla panduga
Tripura--Ker,Garia Puja
Uttarakhand--Phool Dei,Harela and bhitauli,Olgia,Khatarua,Bat savitri,Janopunya,Chippla Jaat,Hilijatra
WestBengal--Bhadu,Haldia Utsav,Jagaddhatri,Poush Mela
76 | P a g e
FOLK DANCES
AndhraPradesh--Kuchipudi(classical),Ghantamardala,Ottam,thedal,Mohioniattam,kummi,Siddhi
madhuri,Chhadi.
Chhattisgarh--Goudi,Karma,Jhumar,dagla,Pali,Tapali,Navrani.Diwari,Mundari.
Arunachal Pradesh--Mask Dance,War Dance.
HimachalPradesh--,Jhali,Chharhi,Dhaman,chhapeli,Mahasu,Nati,Dangi,Chamba,Thali,Jhainta,Daf,
Sti-ck dance.
Goa--Mandi,Jhagor,Khol,Dakni.
Assam--Bihu,Bichhua,Natpuja,Maharas,Kaligopal,Bagurumba,naga dance,Khel gopal,Tabal
chongli,canoe,Jhumura Hobjanai.
West Bengal--kathi,Gambhira,Dhali,Jatra,Baul,marasia,Mahal,Keertan
Keral--Kathakali(classical),Ottam Thulal,mohini-attam,Kaikottikali,Tappatikali,Kali auttam.
Meghalaya--laho,baagla.
Manipur--Manipuri(classical),Rakhal,Nat rash,Maha rash,raukhat.
Nagaland--Chong,Khaiva,lim,Nuralim
Orissa--odissi(classical),savari,Ghumara,painka,munari,chhau,chadya dandanata.
Maharashtra--Lavani,Nakata,koli,Lezim,Gafa,Dahikala,dasavtar or
Bohada,Tamasha,mauni,Powara,Gouricha.
Karnataka--Yakshagan,Huttari,Suggi,Kunitha,Karga,Lambi.
Gujarat--Garba,dandiya ras,Tippani juriun,Bhavai.
Punjab--Bhangra,giddha,Daff,Dhaman.
Rajasthan--Ghumar,chakri,Ganagor,Jhulan leela,Jhuma,Suisini,Ghapal,Panihari,Ginab
Mizoram--Khanatm,Pakhupila,Cherokan.
Jammu&Kashmir--Rauf,hikat,mandjas,kud dandi nach<Damali.
TamilNadu--Bharatnatyam,kumi,kolattam,kavadi.
Uttar Pradesh--Nautanki,Raslila,Kajri,Jhora,chappeli,Jaita.
Bihar--Jata-Jatin,Bakho-Bakhain,Panwariya,Sama-chakwa,Bidesia,Jatra.
Haryana--Jhumar,Phag,Daph,Dhamal,Loor,Gugga,Khor,Gagor.
Jharkhand--chhau,sarahul,Jat-jatin,karma,Danga,Bidesia,Sohrai
Uttarakhand--gadhwali,kumayuni,kajari,Jhora,raslila,chappeli
INTERNATIONAL ORGANISATIONS AND THEIR HEADQUARTERS
UNO (United Nations Org) = New York

UNICEF =New York
UNCTAD (United Nations Conference on Trade & Development) =Geneva
WHO (World Health Org) =Geneva
ILO (International Labour Org)= Geneva
WMO (World Meteorological Org) =Geneva
World Intellectual Property Org =Geneva
International Standards Org.= Geneva
IMF (International Monetary Fund) =Washington DC
World Bank =Washington DC
UNESCO (United Nations Educational Scientific and Cultural Org) =Paris
OECD (Org. for Economic Cooperation and Dev.) =Paris
UNIDO (United Nations Industrial Dev. Org)= Vienna
IAEA (International Atomic Energy Agency) =Vienna
OPEC(Organization of Petroleum Exporting Countries) =Vienna
Amnesty International London Commonwealth of Nations =London
77 | P a g e

IMO(International Maritime Organization) =London
ICJ (International Court of Justice) =The Hague
FAO(Food and Agricultural Organization) =Rome
NATO(North Atlantic Treaty Organization) =Brussels
Transparency International= Berlin
SAARC(South Asian Association for Regional Coop.) =Kathmandu
ASEAN (Association of South East Asian Nations) =Jakarta
APEC (Asia Pacific Economic Forum) =Singapore
Organization of Islamic Cooperation= Jedda
FIRST IN INDIA
The first President of Indian Republic
The first Prime Minister of free India
The first Indian to win Nobel Prize
The first President of Indian National Congress
The first Muslim President of Indian National
Congress
The first Muslim President of India
The first British Governor General of India
The first British Governor General of Bengal
The first British Viceroy of India
The first Governor General of free India
The first and the last Indian to be Governor General
of free India
The first man who introduced printing press in India
The first Indian to join the I.C.S
Indias first man in Space
The first Prime Minister of India who resigned
without completing the full term
The first Indian Commander-in-Chief of India
The first Chief of Army Staff
The first Indian Member of the Viceroys executive
council
The first President of India who died while in office
The first Muslim President of Indian Republic
The first Prime Minister of India who did not face the
Parliament
The first Field Marshal of India
The first Indian to get Nobel Prize in Physics
The first Indian to receive Bharat Ratna award
The first Indian to cross English Channel
The first Person to receive Jnanpith award
The firs Speaker of the Lok Sabha
The first Vice-President of India
The first Education Minister
The first Home minister of India
The first Indian Air Chief Marshal
Dr. Rajendra Prasad

Pt. Jawahar Lal Nehru
Rabindranath Tagore
W.C. Banerjee
Badruddin Tayyabji
Dr. Zakir Hussain
Lord William Bentinck(1833-1835)
Lord Warren Hasting(1774-1885)
Lord Canning
Lord Mountbatten
C. Rajgopalachari
James Hicky
Satyendra Nath Tagore
Rakesh Sharma
Morarji Desai
General Cariappa
Gen. Maharaj Rajendra Singhji
S.P.Sinha
Dr. Zakhir Hussain
Dr. Zakhir Hussain
Charan Singh
S.H.F. Manekshaw
C.V.Raman
Dr. Radhakrishnan
Mihir Sen
Sri Shankar Kurup
Ganesh Vasudeva Mavalankar
Dr. Radhakrishnan
Abdul Kalam Azad
Sardar Vallabh Bhai Patel
S. Mukherjee
78 | P a g e

The first Indian Naval Chief
The first Judge of International Court of Justice
The first person to reach Mt. Everest without oxygen
The first person to get Param Vir Chakra
The first Chief Election Commissioner
The first person to receive Magsaysay Award
The first person of Indian origin to receive Nobel
Prize in Medicine
The first Chinese traveller to visit India
The first person to receive Stalin Prize
The first person to resign from the Central Cabinet
The first person to receive Nobel Prize in Economics
The first Chief Justice of Supreme Court
The first Indian Pilot
The first lady to become Miss World
The first woman judge in Supreme Court
The first woman Ambassador
The first woman Governor of a state in free India
The first woman Speaker of a State Assembly
The first woman Prime Minister
The first woman Minister in a Government
The first woman to climb Mount Everest
The first woman to climb Mount Everest twice
The first woman President of Indian National
Congress
The first woman pilot in Indian Air Force
The first woman Graduates
The first woman Airline Pilot
The first woman Honours Graduate
The first woman Olympic medal Winner
The first woman Asian Games Gold Medal Winner
The first woman Lawyer
The first woman President of United Nations General
Assembly
The first woman Chief Minister of an Indian State
The first woman Chairman of Union Public Service
Commission
The first woman Director General of Police
The first woman Judge
The first woman Cheif Justice of High Court
The first woman Judge in Supreme Court of India
The first woman Lieutenant General
Vice Admiral R.D. Katari

Dr. Nagendra Singh
Sherpa Anga Dorjee
Major Somnath Sharma
Sukumar Sen
Acharya Vinoba Bhave
Hargovind Khurana
Fahein
Saifuddin Kitchlu
Shyama Prasad Mukherjee
Amartya Sen
Justice Hirala J. Kania
J.R.D. Tata (1929)
Rita Faria
Mrs. Meera Sahib Fatima Bibi
Miss C.B. Muthamma
Mrs Sarojini Naidu
Shanno Devi
Mrs Indira Gandhi
Rajkumari Amrit Kaur
Bachhendri Pal
Santosh Yadav
Mrs Annie Besant
Harita Kaur Dayal
Kadambini Ganguly and Chandramukhi
Basu, 1883
Durba Banerjee
Kamini Roy, 1886
Karnam Malleswari, 2000
Kamlijit Sandhu
Cornelia Sorabjee
Mrs Vijaya Laxmi Pandit
Mrs Sucheta Kripalani
Roze Millian Bethew
Kanchan Chaudhary Bhattacharya
Anna Chandy (She became judge in a
district court in 1937)
Mrs Leela Seth (Himachal Pradesh High
Court)
Kumari Justice M. Fathima Beevi
Puneeta Arora
79 | P a g e

The first woman Air Vice Marshal
The first woman chairperson of Indian Airlines
The first woman IPS officer
The first and last Muslim woman ruler of India
The first woman to receive Ashoka Chakra
The first woman to receive Jnanpith Award
The first woman to cross English Channel
The first woman to receive Nobel Prize
The first woman to receive Bharat Ratna
The first woman to receive Jnanpith Award
First Wax statue of a Living Indian
First Chinese pilgrim to Visit India
First Exclusive internet magazine
First Miss India to participate in Miss Universe
First President of Indian National Congress
First Muslim President of the Indian National
Congress
First Judge in International Court of Justice
First Graduate in Medicine
India's First University
India's First Open University
India's First Lok Sabha Member to be elected with a
record maximum number of votes
First Indian to reach Antarctica
First British to Visit India
First Test tube baby of India
First Post Office Opened in India
P. Bandopadhyaya
Sushma Chawla
Mrs. Kiran Bedi
Razia Sultan
Nirja Bhanot
Ashapurna Devi
Aarti Saha
Mother Teresa
Mrs Indira Gandhi
Ashpurna Devi
Mahatma Gandhi at Madame Tussaud's in
1939
Fa-hien
Bharat Samachar
Indrani Rehman
W.C. Bannerjee, 1885
Badruddin Tayyabji
Dr. Nagender Singh
Soorjo Coomar Goodeve Chukerbutty
Nalanda University
Andhra Pradesh Open University
P.V.Narasimha Rao
Lt. Ram Charan
Hawkins
Indira (Baby Harsha)
Kolkata(1727)
INVENTIONS
Invention
Inventor
Television
Radio
Telephone
Electricity
Electric Light Bulb
Thermometer
Radium
Telescope
Telegraph
Electromagnetic Theory
Theory of Relativity
X-rays
Cosmic Rays
Automobile
J.L. Baird
Marconi
Alexander Graham Bell
Benjamin Franklin
Thomas Edison
Daniel Gabriel Fahrenheit
Marie Curie
Galileo
Pavel Schilling
Heinrich Hertz
Albert Einstein
Wilhelm Conrad Rontgen
R.A. Millikan
Ferdinand Verbiest
80 | P a g e

Penicillin
Insulin
Magnetic Tape
Raman Effect
Bohr
Boyle
Dalton
Periodic Table
Transformer and Electric Motor
Geometry
Structure of Atom
Law of Gases
Electromagnetic Field
Motion of Planets
Principle of relativity
Newtons Law of Motion
Electron
Photon
Theory of Atom
Blood Groups
Quantum Mechanics
Quantum Theory
Law of Conservation of Mass
Age of the Earth
Heliocentrism
Heliocentric Model
Periodic law
Venn Diagram
Vierner Scale
Atomic Number
Law of Motion & Gravitation
Laws of Electrical Resistance
Nuclear Reactor
Fuel Cell
Celluloid
Hydrogen Bomb
Computer Architecture
Airplane
Steam Engine
Logarithms
Theory of Evolution
Transformer
Cinematography
Stethoscope
Thermo Flask
Battery
Sir Alexander Fleming

Frederick Banting
Fritz Pfluemer
Sir C.V. Raman
Electron Theory
Boyles Law
Atomic Theory
Dmitri Mendeleev
Michael Faraday
Euclid
Ernest Rutherford
Gay Lussac
James Clerk Maxwell
Johannes Kepler
Galileo Galilei
Galileo Galilei and Isaac Newton
J.J. Thomson
Albert Einstein
John Dalton
Karl Landsteiner
Max Born
Max Plank, Niels Bohr, Albert Einstein
Antoine Lavoisier
C.C. Patterson
Aristarchus of Samos
Nicolaus Copernicus
Mendeleef
John Venn
Pierre Vernier
Mosley
Newton
Ohm
Enrico Fermi
William Robert Glove
Alexander Parkes
Edward Teller
John Von Neumann
Wright Brothers (Orville and Wilbur)
James Watt
John Napier
Charles Darwin
Otto Blathy
Edison
Rane Laennec
Dewar
Alessandro Volta
81 | P a g e

Barometer
Camera
Analytical Engine
Diesel Engine
Helicopter
Dynamite
First Computer
Lift
Guitar
Light Emission Diode
Laser Printer
Mobile Phone
Micro Scope
Microwave Oven
Printing Press
Video Games
Google
Mozilla
Facebook
Twitter
Microsoft
Internet
Email
Apple Computers
World Wide Web (WWW)
IP Address
Micro Processor
Evangelista Torricelli
Steven Sasson
Thomas Edison
Rudolf Diesel
Broquet
Alfred Nobel
John Mauchly and J. Presper Eckert
Otis
Adolph Rickenbacker
Nick Holonyak and Oleg Losev
Gary Starkweather
Martin Cooper
Zacharias Janssen
Percy Spencer
Johannes Gutenberg
Ralph H. Baer
Larry Page
Dave Hyatt and Blake Ross
Mark Zuckerberg
Evan Williams, Jack Dorsey, and Biz Stone
Bill Gates and Paul Allen
Vint Cerf
Shiva Ayyadurai
Steve Jobs
Sir Tim Berners- Lee
Robert E. Kahn
Federico Faggin
INTERNATIONAL BOUNDARIES
1. Line of Actual Control--India & China on the Northern Border
2. Line of Control--India and Pakistan
3. Durand Line--Afghanistan and Pakistan.
4. Radcliffe Line--India and Pakistan (its includes Banladesh Line)
5. Blue Line --Isreal & Lebanon
6. Purple Line -- Israel and Syria
7. Green Line --Israel and its neighbours (Egypt, Jordan, Lebanon and Syria)
8. MasonDixon line-- Maryland and Pennsylvania/Delaware in Colonial America
9. Curzon Line--Poland & Russia
10. Military Demarcation Line (MDL)--North Korea and South Korea.
11. Armistice Line--North Korea and South Korea.
12. McMohan Line--India & China
13. Maginot Line--France & Germany
14. Mannar haime line--Russia & Finland
15. Oder Nisse Line
--Germany & Poland( aftermath of World War II)
16. Hindenburg Line--Poland & Germany(at the time of First World War)
17. Sigfried Line--East France & Germany (at the time of second world war)
18. 16 Parallel North--Angola and Namibia
19. 17th Parallel Line--North & South Vietnam
20. 20 ParallelLine --Libya & Sudan
21. 22 Parallel Line --Egypt & Sudan
22. 25 Parallel Line --Mauritania & Mali
82 | P a g e

23. 26 Parallel Line--Western Sahara & Mauritania
24. 31 Parallel Line --Iraq & Iran
25. 35 Parallel Line --US it serves as border b/w Tennessee/Mississippi,
26. 36 Parallel Line--US it Forms forms the southernmost of the state of Missouri
27. 38 Parallel Line --North & South Korea
28. 40 Parallel Line--US it serves as border b/w Nebraska & Kansas
29. 41 Parallel Line-- US it forms the border b/w wyoming/utah border, Wyoming/colorado,
30. 42 Parallel Line--US it serves as border of new york & Pennsylvania Border
31. 43 Parallel Line-- US it serves as border of b/w State Nebraska & state of south Dakota
32. 45 Parallel Line--US it forms the boundary b/w Montana & wyoming
33. 49 Parallel Line-- USA & Canada
INDIAs MISSILES AND THEIR STRIKE RANGE
MISSILE NAME
Prahaar
Prithvi-II
Dhanush
Agni-I
Agni-II
Agni-III
Agni-IV
Agni-V
Akash
Astra
Brahmos
Nirbhay
K-15
K-4
Shourya
Nag(Anti-tank missile)
STRIKE RANGE(km)
150
350
350
700 1,250 km
2,000 3,000 km[
3,500 5,000 km
3,000 4,000 km
5,000 8,000 km
25
65
290
1000
700
3000
700
500m to 4 km
CUPS AND TROPHIES(ASSOCIATED WITH SPORTS/GAMES)

Sport
Cups and Trophies
Hockey
Aga Khan Cup, Begam Rasul Trophy (women's), Maharaja Ranjit Singh Gold Cup,
Lady Ratan Tata Trophy (women's), Gurunanak Championship (women's),
Dhyanchand Trophy, Nehru Trophy, Sindhia Gold Cup, Murugappa Gold Cup,
Wellington Cup etc
Football
Beghum Hazarat Mahal Cup, BILT Cup, Bordoloi Trophy, Colombo Cup,
Confederation Cup, DCM Trophy, Durand Cup, Rovers Cup, BC Rai Trophy
(National Championship), FIFA World Cup, Jules Rimet Trophy, Kalinga Cup,
Santosh Trophy (National Championship), IFA Shield, Scissor Cup, Subroto
Mukherjee Cup, Sir Ashutosh Mukherjee Trophy, Todd Memorial Trophy, Vittal
Trophy, etc.
Cricket
Anthony D' Mellow Trophy, Ashes, Asia Cup, Benson and Hedges Cup, Bose
Trophy, Champions Trophy, Charminar Challenger Cup, CK Naidu Trophy, Cooch
- Behar Trophy, Deodhar Trophy, Duleep Trophy, Gavaskar - Border Trophy, GD
Birla Trophy, Gillette Cup, Ghulam Ahmand Trophy, Hakumat Rai Trophy, ICC
World Cup, Irani Trophy, Interface Cup, Jawaharlal Nehru Cup, Lomboard World
Challenge Cup, Mc Dowells Challenge Cup, Merchant Cup, Moin-ud-Dowla Cup,
83 | P a g e
Table
Tennis
Badminton
Basketball
Bridge
Polo
Athletics
Air Racing
Billiards
Boxing
Golf
Chess
Horse
Racing
Netball
Rugby
Football
Shooting
Volleyball
Yatching
Nat West Trophy, Prudential Cup (World Cup), Rani Jhansi Trophy, Ranji Trophy,
Rohinton Baria Trophy, Rothmans Cup, Sahara Cup, Sharjah Cup, Sheesh Mahal
Trophy, Sheffield Shield, Singer Cup, Sir Frank Worrel Trophy, Texaco Cup, Titan
Cup, Vijay Hazare Trophy, Vijay Merchant Trophy, Vizzy Trophy, Wisden
Trophy, Wills Trophy, World Series Cup.
Berna Bellack Cup (men), Corbillion Cup (women), Jai Laxmi Cup (women),
Rajkumari Challenge Cup (women junior), Ramanuja Trophy (men junior),
Travancore Cup (women), Swathling Cup (men), etc
Aggarwal Cup, Amrit Diwan Cup, Asia Cup, Australasia Cup, Chaddha Cup,
European Cup, Harilela Cup, Ibrahim Rahimatollah Challenger Cup, Konica Cup,
Narang Cup, SR Ruia Cup, Sophia Cup, Kitiakara Cup, Thomas Cup, Tunku
Abdulrahman Cup, Uber Cup, World Cup, Yonex Cup etc
Basalat Jha Trophy, BC Gupta Trophy, Federation Cup, SM Arjuna Trophy, Todd
Memorial Trophy, William Jones Cup, Bangalore Blues Challenge Cup, Nehru
Cup, Federation Cup etc.
Basalat Jha Trophy, Holkar Trophy, Ruia Gold Cup, Singhania Trophy, etc
Ezra Cup, Gold Cup, King's Cup, Prithi Cup, Schneider Cup etc.
Charminar Trophy, Federation Cup etc
Jawaharlal Challenge Trophy, King's Cup, Schneider Cup etc
Arthur Walker Trophy, Thomas Cup etc
Aspy Adjahia Trophy, Federation Cup, Val Baker Trophy etc.
Canada Cup, Eisenhower Trophy, Muthiah Gold Cup, Nomura Trophy, President's
Trophy, Prince of Wales Cup, Ryder Cup, Solheim Cup, Topolino Trophy, Walker
Cup, World Cup etc
Naidu Trophy, Khaitan Trophy, Limca Trophy, Lin Arec City Trophy, World Cup,
etc
Beresford Cup, Blue Raiband Cup, Derby, Grand National Cup etc.
Anantrao Pawar Trophy, etc
Bledisloe Cup, Calcutta Cup, Webb Ellis Trophy, etc
North Wales Cup, Welsh Grand Pix etc
Centennial Cup, Federation Cup, Indira Pradhan Trophy, Shivanthi Gold Cup, etc
America Cup, etc
COUNTRY-CURRENCY-CAPITAL
Sr. No.
1
2
3
4
5
6
7
8
9
Country
Afghanistan
Albania
Algeria
Andorra
Angola
Antigua and Barbuda
Argentina
Armenia
Australia
Currency
Afghani
Lek
Dinar
Euro
New Kwanza
EastCaribbeandollar
Peso
Dram
Australian dollar
Capital
Kabul
Tirane
Algiers
Andorra la Vella
Luanda
Saint John's
Buenos Aires
Yerevan
Canberra
84 | P a g e

10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26
27
28
29
30
31
32
33
34
35
36
37
38
39
40
Austria
Azerbaijan
The Bahamas
Bahrain
Bangladesh
Barbados
Belarus
Belgium
Belize
Benin
Bhutan
Bolivia
Bosnia and Herzegovina
Botswana
Brazil
Brunei
Bulgaria
Burkina Faso
Burundi
Cambodia
Cameroon
Canada
Cape Verde
Central African Republic
Chad
Chile
China
Colombia
Comoros
Congo, Republic of the CFA
Congo, Democratic Republic of
the Congolese
Euro
Manat
Bahamian dollar
Bahrain dinar
Taka
Barbados dollar
Belorussian ruble
Euro (formerly Belgian franc)
Belize dollar
CFA Franc
Ngultrum
Boliviano
Marka
Pula
Real
Brunei dollar
Lev
CFA Franc
Burundi franc
Riel
CFA Franc
Canadian dollar
Cape Verdean escudo
CFA Franc
CFA Franc
Chilean Peso
Yuan/Renminbi
Colombian Peso
Franc
Franc
Franc
Vienna
Baku
Nassau
Manama
Dhaka
Bridgetown
Minsk
Brussels
Belmopan
Porto-Novo
Thimphu
La Paz (administrative); Sucre
(judicial)
Sarajevo
Gaborone
Brasilia
Bandar Seri Begawan
Sofia
Ouagadougou
Bujumbura
Phnom Penh
Yaounde
Ottawa
Praia
Bangui
N'Djamena
Santiago
Beijing
Bogota
Moroni
Brazzaville
Kinshasa
41
42
Costa Rica
Cote d'Ivoire
Coln
CFA Franc
43
44
45
46
47
48
49
50
51
52
53
54
55
56
57
58
Croatia
Cuba
Cyprus
Czech Republic
Denmark
Djibouti
Dominica
Dominican Republic
East Timor (Timor-Leste)
Ecuador
Egypt
El Salvador
Equatorial Guinea
Eritrea
Estonia
Ethiopia
Kuna
Cuban Peso
Cyprus pound
Koruna
Krone
Djibouti franc
EastCaribbeandollar
Dominican Peso
U.S. dollar
U.S. dollar
Egyptian pound
Coln; U.S. dollar
CFA Franc
Nakfa
Kroon
Birr
San Jose
Yamoussoukro (official);
Abidjan (de facto)
Zagreb
Havana
Nicosia
Prague
Copenhagen
Djibouti
Roseau
Santo Domingo
Dili
Quito
Cairo
San Salvador
Malabo
Asmara
Tallinn
Addis Ababa
85 | P a g e

59
60
61
62
63
64
65
66
67
68
69
70
71
72
73
74
75
76
77
78
79
80
81
Fiji
Finland
France
Gabon
The Gambia
Georgia
Germany
Ghana
Greece
Grenada
Guatemala
Guinea
Guinea-Bissau
Guyana
Haiti
Honduras
Hungary
Iceland
India
Indonesia
Iran
Iraq
Ireland
82
83
84
85
86
87
88
89
90
91
92
Israel
Italy
Jamaica
Japan
Jordan
Kazakhstan
Kenya
Kiribati
North Korea
South Korea
Kosovo
93
94
95
96
97
98
99
100
101
102
103
Kuwait
Kyrgyzstan
Laos
Latvia
Lebanon
Lesotho
Liberia
Libya
Liechtenstein
Lithuania
Luxembourg
104
105
106
Macedonia
Madagascar
Malawi
Fiji dollar
Euro (formerly markka)
Euro (formerly French franc)
CFA Franc
Dalasi
Lari
Euro (formerlyDeutschemark)
Cedi
Euro (formerly drachma)
EastCaribbeandollar
Quetzal
Guinean franc
CFA Franc
Guyanese dollar
Gourde
Lempira
Forint
Icelandic krna
Rupee
Rupiah
Rial
Iraqi Dinar
Euro (formerly Irish pound
[punt])
Shekel
Euro (formerly known as lira)
Jamaican dollar
Yen
Jordanian dinar
Tenge
Kenya shilling
Australian dollar
Won
Won
Euro (German Mark prior to
2002)
Kuwaiti dinar
Som
New Kip
Lats
Lebanese pound
Maluti
Liberian dollar
Libyan dinar
Swiss franc
Litas
Euro (formerly Luxembourg
franc)
Denar
Malagasy franc
Kwacha
Suva
Helsinki
Paris
Libreville
Banjul
Tbilisi
Berlin
Accra
Athens
Saint George's
Guatemala City
Conakry
Bissau
Georgetown
Port-au-Prince
Tegucigalpa
Budapest
Reykjavik
New Delhi
Jakarta
Tehran
Baghdad
Dublin
Jerusalem(#)
Rome
Kingston
Tokyo
Amman
Astana
Nairobi
Tarawa Atoll
Pyongyang
Seoul
Pristina
Kuwait City
Bishkek
Vientiane
Riga
Beirut
Maseru
Monrovia
Tripoli
Vaduz
Vilnius
Luxembourg
Skopje
Antananarivo
Lilongwe
86 | P a g e

107
108
109
110
111
112
113
114
115
116
117
118
119
120
121
122
123
124
Malaysia
Maldives
Mali
Malta
Marshall Islands
Mauritania
Mauritius
Mexico
Micronesia, Federated States of
Moldova
Monaco
Mongolia
Montenegro
Morocco
Mozambique
Myanmar (Burma)
Namibia
Nauru
Ringgit
Rufiya
CFA Franc
Maltese lira
U.S. Dollar
Ouguiya
Mauritian rupee
Mexican peso
U.S. Dollar
Leu
Euro
Tugrik
Euro
Dirham
Metical
Kyat
Namibian dollar
Australian dollar
125
126
Nepal
Netherlands
Nepalese rupee
Euro (formerly guilder)
127
128
129
130
131
132
133
134
135
136
137
138
139
140
141
142
143
144
145
146
147
148
149
150
151
152
153
New Zealand
Nicaragua
Niger
Nigeria
Norway
Oman
Pakistan
Palau
Panama
Papua New Guinea
Paraguay
Peru
Philippines
Poland
Portugal
Qatar
Romania
Russia
Rwanda
Saint Kitts and Nevis
Saint Lucia
Saint Vincent and the Grenadines
Samoa
San Marino
Sao Tome and Principe
Saudi Arabia
Senegal
New Zealand dollar

Gold cordoba
CFA Franc
Naira
Norwegian krone
Omani rial
Pakistani rupee
U.S. dollar
balboa; U.S. dollar
Kina
Guaran
Nuevo sol (1991)
Peso
Zloty
Euro (formerly escudo)
Qatari riyal
Leu
Ruble
Rwanda franc
East Caribbean dollar
Tala
Euro
Dobra
Riyal
CFA Franc
Kuala Lumpur
Male
Bamako
Valletta
Majuro
Nouakchott
Port Louis
Mexico City
Palikir
Chisinau
Monaco
Ulaanbaatar
Podgorica
Rabat
Maputo
Rangoon (Yangon);
Naypyidaw or Nay Pyi Taw
Windhoek
no official capital; government
offices in Yaren District
Kathmandu
Amsterdam; The Hague (seat
of government)
Wellington
Managua
Niamey
Abuja
Oslo
Muscat
Islamabad
Melekeok
Panama City
Port Moresby
Asuncion
Lima
Manila
Warsaw
Lisbon
Doha
Bucharest
Moscow
Kigali
Basseterre
Castries
Kingstown
Apia
San Marino
Sao Tome
Riyadh
Dakar
87 | P a g e

154
Serbia
155
156
157
158
159
Seychelles
Sierra Leone
Singapore
Slovakia
Slovenia
160
161
162
Solomon Islands
Somalia
South Africa
Yugoslav new dinar. In Kosovo

both the euro and the Yugoslav
dinar are legal
Seychelles rupee
Leone
Singapore dollar
Koruna
Slovenian tolar; euro (as of
1/1/07)
Solomon Islands dollar
Somali shilling
Rand
163
164
165
166
167
168
169
170
171
172
173
174
South Sudan
Spain
Sri Lanka
Sudan
Suriname
Swaziland
Sweden
Switzerland
Syria
Taiwan
Tajikistan
Tanzania
Sudanese Pound
Euro (formerly peseta)
Sri Lanka rupee
Dinar
Surinamese dollar
Lilangeni
Krona
Swiss franc
Syrian pound
Taiwan dollar
Somoni
Tanzanian shilling
175
176
177
178
179
180
181
182
Thailand
Togo
Tonga
Trinidad and Tobago
Tunisia
Turkey
Turkmenistan
Tuvalu
Baht
CFA Franc
Pa'anga
Trinidad and Tobago dollar
Tunisian dinar
Turkish lira (YTL)
Manat
Australian dollar
183
184
185
186
187
188
189
190
191
192
193
194
195
196
Uganda
Ukraine
United Arab Emirates
United Kingdom
United States of America
Uruguay
Uzbekistan
Vanuatu
Vatican City (Holy See)
Venezuela
Vietnam
Yemen
Zambia
Zimbabwe
Ugandan new shilling

Hryvna
U.A.E. dirham
Pound sterling
Dollar
Uruguay peso
Uzbekistani sum
Vatu
Euro
Bolivar
Dong
Rial
Kwacha
Zimbabwean dollar
Belgrade
Victoria
Freetown
Singapore
Bratislava
Ljubljana
Honiara
Mogadishu
Pretoria (administrative); Cape
Town (legislative);
Juba
Madrid
Colombo; Sri
Jayewardenepura Kotte
Khartoum
Paramaribo
Mbabane
Stockholm
Bern
Damascus
Taipei
Dushanbe
Dar es Salaam; Dodoma
(legislative)
Bangkok
Lome
Nuku'alofa
Port-of-Spain
Tunis
Ankara
Ashgabat
Vaiaku village, Funafuti
province
Kampala
Kyiv
Abu Dhabi
London
Washington D.C.
Montevideo
Tashkent
Port-Vila
Vatican City
Caracas
Hanoi
Sanaa
Lusaka
Harare
88 | P a g e
Important Appointments
Name of the person
Name of the post
Baldev Sharma
Ashu Suyash
K Satish Reddy
Chairman of National Book Trust

MD & CEO of CRISIL(Credit Rating Information
Services of India Limited).
Chief Election Commissioner of India
Lead the probe on IPL scandal.
Sudan President
President of CII.
1st Lady Judge in Sikkim High Court.
Head of NJAC(National Judicial Appointments
Commission).
Indias 1st transgender College principal.
Head of New Development Bank of BRICS nations.
Member of UPSC
CEO of KVIC(Khadi and Village Industries
Commission)
Director of EMC(Expenditure Management
Commission).
Chairperson of Childrens Film Society of India
Childrens Film Society India (CFSI)
National Safety Council (NSC)
Om Prakash Rawat
Veena Jain
Election Commissioner.
Director General of Doordarshan News.
Nasim Zaidi
Vivek Priyadarshi
Omar al-Bashir
Sumit Mazumder
Meenakshi Madan Rai
H.L.Dattu
Manabi Banopadhaya
K V Kamath
Arvind Saxena
Arun Kumar Jha
Rajalakshmi Devaraj
Mukesh Khanna
President Sepp Blatter, VP Michel Platini

FIFA (Suspend)
and Secretary General Jerome Valcke
RC Tayal
Director General of National Security Guard(NSG)
KV Chowdary
Chief Vigilance Commissioner
Vijai Sharma
Chief Information Commissioner of India
Ram Sevak Sharma
Chairman of TRAI
Ashish Bahuguna
Chairman of food safety regulator FSSAI
Zaheer Abbas
Birender Singh Dhanoa
P Kunhikrishn
Rakesh Singh
Prof S Bandyopadhay
Mogens Lykketoft
Archana Ramasundaram
Ramesh Chand
Hormusji N Cama
Shashank Manohar
ICC president.
Vice Chief of the Indian Air Force(IAF).
Director of Satish Dhawan Space Centre (SDSC)
SHAR.
Chairman and Managing Director of SAIL.
Director of Indian Statistical Institute (ISI).
President of UN General Assembly.
Director of NCRB(National Crime
Bureau).
Full-time member Niti Aayog
Chairman of Press Trust of India
BCCI President
Records
89 | P a g e

Sekhar Basu
Atomic Energy Commission
A. K. Mital
A. S. Kiran Kumar
K.Sivan
P.Kunhikrishnan
M.Annadurai
Dinesh K. Sarraf
Chairman,Railway Board.
Chairman,Space Commission and ISRO.
Director of Vikram Sarabhai Space Centre.
Director of Satish Dhawan Space Centre.
Director of ISRO Satellite Centre, Bangaluru.
CMD,Oil and Natural Gas Corporation (ONGC).
Chairman,Securities and Exchange Board of India
(SEBI).
Chairperson, National Commission for Women.
Director,Bhabha Atomic Research Centre.
President,Indian Olympic Association.
Indian Premier League (IPL).
Chairman,NASSCOM.
U. K. Sinha
Ms. Lalitha Kumarmangalam
Dr. Sekhar Basu
N. Ramachandran
Rajiv shukla
R. Chandrasekaran
Rana Kapoor
President,The Associated Chambers of Commerce

and Industry of India (ASSOCHAM).
Ajay Mathur
Director General of TERI (The Energy and

Resource Institute).
Ashish Bahuguna
Chairperson of FSSAI(Food Safety and Standards

Authority of India).
FSSAI CEO(Additional charge)
Ajit Kumar Seth
PESB(Public Enterprises Selection Board) chief.
Sebastian Coe
World athletics chief.

Chairman of the National Highways Authority of
India (NHAI).
Ambassador of HeForShe
Brand ambassador of campaign against Hepatitis.
President of Nigeria
Prime Minister of Sri Lanka
Prime Minister of Egypt
Prime Minister of Greece
Prime Minister of Canada
Prime Minister of Australia
INS President
US-India Business Council's chairman
NCPCR chairperson
Oxigen brand ambassador
Goodwill Ambassador of National games
ITF President
Chief Economist of IMF
India Trade Promotion Organization.
Fiji's President
Bhanu Pratap
Raghav Chandra
Thomas Bach
Amitabh Bachchan
Muhammadu Buhari
Ranil Wickremesinghe
Sherif Ismail
Alexis Tsipras
Justin Trudeau
Malcom Turnbell
P V Chandran
John Chambers
Stuti Narain Kacker
Sachin Tendulkar
David Haggerty
Maurice Obstfeld
LC Goyal
Jioji Konrote
90 | P a g e

N Venugopala Rao
Jack Dorsey
M D Ranganath
Reliance Power, CEO

CEO of Twitter
Infosys CFO(Resigned)
Krish Shankar
Infosys head of global HR
Alkesh Sharma
CEO, MD of Delhi-Mumbai Industrial Corridor

Development Corporation
PETA campaign
HPCL Chairman
Director of CDFD
Chief of Association for Mutual Funds in
India(AMFI)
Nepal first woman Speaker
Interim CMD of NTPC Limited
IGCAR Director
Head of Inter-governmental Panel for Climate
Change (IPCC)
DRDOs first Woman Director General
FAO Assistant Director-General
VVS Laxman
M K Surana
GR Chandak
Leo Puri
Onsari Gharti Maga
AK Jha
S A V Satya Murty
Hoesung Lee
J Manjula
Kundhavi Kadiresan
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First in First out state

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Production in tons 2015-16

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Naval Singh (Para- Athletics)

Dhyanchand award -2015

NOBLE PRIZE WINNERS -2015

Nobel Prize 2015 Winners

First in World (Year)

Nobel Prize in Physics

Takaaki Kajita and

Wilhelm Rontgen (1901)

Nobel Prize in Chemistry

Tomas Lindahl, Paul Modrich

Jacobus Henricus Vant

C.V. Raman (1930),

Nobel Prize in Physiology

William C. Campbell, Satoshi

Emil Adolf von Behring

Har Gobind Khorana (1968)

Sully Prudhomme (1901)

Rabindranath Tagore (1913), V

Nobel Prize in Peace

National Dialogue Quartet

Henry Dunant, Frederic

Mother Teresa (1979), Rajendra

SWEDISH Riksbank Prize

Ragnar Frisch, Jan