Professional Documents
Culture Documents
Narendra Modi
Narendra Modi
Narendra Modi
1. Uzbekistan (6 July)
President Islam Karimov
PM Shavkat Mirjyoyev
Capital Tashkent
Currency Uzbekistan Som
Agreements Signed (7):
1. Economic and Strategic ties : Enhance strategic, economic and energy ties along with
reviewing key regional issues including the situation in Afghanistan.
2. Joint Working Group on Counter Terrorism : To intensify security cooperation and
exchanges for combating terrorism, promoting regional integration and advancing stability
in the region.
3. Defence and cyber security : Enhance cooperation in the fields of defence and cyber
security.
4. Uranium supply contract: Implement the contract which was signed in 2014 for supply of
2,000 metric tonnes of the Uranium from mineral rich Uzbekistan to India.
5. Strengthening cooperation : In the areas of information technology, agriculture and
energy.
6. International North South Transport Corridor (INSTC): India asked Uzbekistan to be part of
INSTC similar to Ashgabat Agreement which is s a transit pact between Uzbekistan, Iran,
Turkmenistan and Oman established in 2011.
7. It should be noted that INSTC is a ship, road and rail route for moving freight between
India, Iran, Russia, Europe and Central Asia.
Narendra Modis Prime Ministerial Visits:
2. Kazakhstan (7th July):
President : Nursultan Nazarbayev
PM : Karim Massimov
Capital : Astana
Currency : Tenge
Agreements Signed (5) :
1. Agreement on Defence and Military : Both nations will form joint working group (JWG) on
counter terrorism, defence training, exercise and production of defence equipment.
2. MoU on Cooperation on Physical Cultural and Sports : It was signed between Indias
Ministry of Youth Affairs and Sports and Kazakhstans Ministry of Culture and Sports.
3. MoU on Technical Cooperation in the field of Railways : It was signed between Indias
Ministry of Railways and Kazakhstan Temir Zholy.
4. Agreement on Transfer of Sentenced Persons : It will facilitate swapping to prisoners from
both countries to serve their remaining sentence in home country.
5. Agreement on supply of Uranium to India : Kazakhstan the worlds largest producer of
uranium will supply a total of 5,000 tonnes of the natural uranium to India during the 201519.
# Apart from signing these agreements, India has also shown interest in :
1. Fertilizer sector in Kazakhstan due to abundance availability of Natural Gas.
2. Hydro carbon sectors of Kazakhstan for drilling and production of crude oil
Narendra Modis Prime Ministerial Visit:
3. Turkmenistan (10-11 July)
President : Gurbanguly Berdimuhamedow
PM : Akja Nurberdiyewa
Capital : Ashgabat
The Manager
SBI Vikaspuri
F Block, New Delhi-110018
21st July 2015
Sub: Seeking Education Loan for Higher Studies
Dear Sir,
My name is Pooran and I have been a customer in your bank for last decade. Recently I
came across certain education loan schemes that your bank is offering. As I have completed
my Higher Secondary education this year and I have got the admission in IIT Delhi, which is
one of the pioneer institute. I was seeking education loan for the same. Below are my
father's personal details with bank details :
Name : Prem Chopra
Address : House number-123, XYZ block, Vikaspuri, New Delhi-110018
Savings A/C number - 18001234567
Contact Number - 9874563210
Sir, I will be requiring the loan for both my tution fees and my hostel fees and I will be
required to submit the fee before 18th August. The consolidated amount that will be for the
4 years will be approximately 4 Lakhs. The above consolidated amount includes the caution
money and the laboratory fees. The loan will be on my fathers name and he will also be the
guarantor the amount.
Sir, you can let me know the list of the documents that I need to submit with your bank for
all the formalities before the loan approval. I will be waiting for your reply as the last date for
fee submission is 18th August.
Hope you will do the needful as soon as possible.
Thanking You
Yours Faithfully
Pooran Chopra
The scheme will be a one year cover, renewable from year to year, Accident Insurance
Scheme offering accidental death and disability cover for death or disability on account of an
accident. The scheme would be offered/administered through Public Sector General
Insurance Companies (PSGICs) and other General Insurance companies
willing to offer the product on similar terms with necessary approvals and tie up with Banks
for this purpose. Participating banks will be free to engage any such insurance company for
implementing the scheme for their subscribers.
The cover shall be for the one year period stretching from 1st June to 31st May for which
option to join/pay by auto-debit from the designated savings bank account on the prescribed
forms will be required to be given by 31st May of every year, extendable up to 31st August
2015 in the initial year. Initially on launch, the period for joining may be extended by Govt.
of India for another three months, i.e. up to 30th of November, 2015. Joining subsequently
on payment of full annual premium may be possible on specified terms. However, applicants
may give an indefinite / longer option for enrolment / auto-debit, subject to continuation of
the scheme with terms as may be revised on the basis of past experience. Individuals who
exit the scheme at any point may re-join the scheme in future years through the above
modality. New entrants into the eligible category from year to year or currently eligible
individuals who did not join earlier shall be able to join in future years while the scheme is
continuing.
Rs.12/- per annum per member. The premium will be deducted from the account holders
savings bank account through auto debit facility in one installment on or before 1st June of
each annual coverage period under the scheme. However, in cases where auto debit takes
place after 1st June, the cover shall commence from the first day of the month following the
auto debit. The premium would be reviewed based on annual claims experience. However,
barring unforeseen adverse outcomes of extreme nature, efforts would be made to ensure
that there is no upward revision of premium in the first three years.
The savings bank account holders of the participating banks aged between 18
years(completed) and 70 years (age nearer birthday) who give their consent to join / enable
auto-debit, as per the above modality, will be enrolled into the scheme.
The accident cover for the member shall terminate on any of the following events and no
benefit will be payable there under:
Closure of account with the Bank or insufficiency of balance to keep the insurance in
force.
In case a member is covered through more than one account and premium is
received by the Insurance Company inadvertently, insurance cover will be restricted
to one only and the premium shall be liable to be forfeited.
If the insurance cover is ceased due to any technical reasons such as insufficient
balance on due date or due to any administrative issues, the same can be reinstated
on receipt of full annual premium, subject to conditions that may be laid down.
During this period, the risk cover will be suspended and reinstatement of risk cover
will be at the sole discretion of Insurance Company.
Participating banks will deduct the premium amount in the same month when the
auto debit option is given, preferably in May of every year, and remit the amount due
to the Insurance Company in that month itself.
(Prohibition of Sex Selection) Act, 1994 (PC&PNDT Act) with stringent punishments for
violations of the law.
ii) To ensure survival& protection of the girl child:
Article 21 of the Constitution defines protection of life and liberty as a legitimate right of its
citizens. The difference in mortality rates of girls and boys indicates the difference in access
to various health care and nutrition services as well as the preferential care and treatment
given to boys. The access to various entitlements, changes in patriarchal mind-set etc. are
to be addressed in order to ensure equal value, care for and survival of the infant and young
girl child. Further implementation of various legislative provisions for the protection of the
girl child and women has to be ensured to create a nurturing and safe environment for the
girl child.
iii) To ensure education & participation of the girl child:
The access and availability of services and entitlements during the various phases of the life
cycle of the Girl Child has a bearing on her development. Essential requirements related to
Nutrition, Health Care, Education and Protection have to be fulfilled to enable every girl child
to develop to her full potentialespecially the rightto quality early childhood care, elementary
and secondary education. Right To Education (RTE) Act, 2010 provides children the right to
free and compulsory education till completion of elementary education in a neighbourhood
school. Further, Sarva Shiksha Abhiyan (SSA) is a flagship programme for achievement of
Universalization of Elementary Education (UEE) in a time bound manner, as mandated by
86th amendment to the
Constitution of India making free and compulsory Education to the Children of 6-14 years
age group, a Fundamental Right. Denial of these entitlements is
a violation of childrens rights, which will have a lasting lifelong negative impact. This will
also adversely impact upon future human development.
-Source, Ministry of Women and Child Development Official Website
Greece out. They were wrong. After joining of Greece as the Eurozone member, investors
began lending to Greece at about the same rates as they lend to Germany. Faced with this
sudden availability of cheap money, Greece began borrowing like crazy. And then, when it
couldn't pay back its debts, it turned out financial markers were wrong: Germany and other
Eurozone nations weren't willing to simply bail Greece out. That led the market to panic
around 2010, and you can see interest rates on Greek debt spike once again. Those high
interest rates make it basically impossible for Greece to borrow, and that makes it
impossible for Greece to pay its debts.
The result: Greece is insolvent and the Eurozone isn't as tight a union as the financial
markets and maybe the Eurozone's member states believed. That's the crisis.
Greece's debt-to-GDP ratio is an insane 172%, It's much higher than any other country in the
Eurozone. But making matters worse is the fact that the financial markets no longer see
Greece as debt-worthy. No one wants to lend to Greece at reasonable rates, and so Greece
can't keep paying to service its current debts while carrying out basic government functions.
The latest round of the Greek crisis began when Greece rejected its two main political
parties in favor of the far-left Syriza. The main reason? Syriza promised to free Greece from
the grinding austerity that was leading to such widespread human misery. The only
problem? Syriza had no actual plan for freeing Greece from austerity; they tried to
renegotiate the terms of the Eurozone's support for Greece and came away basically empty
handed. And so Syriza is asking the Greek people to vote on whether to accept the
Eurozone's terms and, by proxy, to remain in the Eurozone. The vote is basically a final,
desperate ploy for leverage, and one that's likely to fail. Either the Greek people endorse
more of the same, which Syriza doesn't want, or they reject the Eurozone's offer, and
basically have to leave the Eurozone, which would also be a disaster.
Over the past six years, Greece has experienced an economic depression on the scale of
that experienced by the United States in the 1930s. Its economy has contracted by around
25 percent, its unemployment rate has exceeded 25 percent, and its youth unemployment
has risen to over 50 percent.
At the same time, despite five years of budget austerity and a major write-down of its
privately owned sovereign debt, Greece's public debt to GDP ratio has risen to 180 percent.
At the heart of Greece's economic collapse has been the application of draconian budget
austerity within a Euro straitjacket. That straitjacket has precluded exchange rate
depreciation or the use of an independent monetary policy as a policy offset to the adverse
impact of budget belt-tightening on aggregate demand.
In other words, the debt crisis destroyed Greece's economy, which in turn destroyed
Greece's ability to pay back its creditors or employ its people, which in turn forced Greece to
beg the Eurozone and IMF for help and the austerity measures they demanded destroyed
Greece's economy even more.
The Greek government now faces the challenge in the economy of restructuring the reforms
and to ensure that the economic policies continue to enhance economic growth and increase
Greece standard of living and development in the economy.
Pursuing a strong fiscal policy which is combined with public-sector borrowing and the
lowering of interest rates has been the challenge for Greece. The Central bank of Greece is
also making efforts to increase borrowings at low interest rest in order to stabilize the
economy.
The Government should reduce its expenditure and hence domestic products need to be
encouraged. As the excess of exports would enable finance the deficit in the economy. Also
it will lead to rise in GDP thereby leading to decline in rate on unemployment.
Digital locker system to minimize usage of physical documents and enable their esharing via registered repositories.
Swachh Bharat Mission Mobile app to achieve the goals set by this mission.
e-Sign framework to allow citizens to digitally sign documents online using Aadhaar.
e-Hospital system for important healthcare services such as online registration, fee
payment, fixing doctors' appointments, online diagnostics and checking blood
availability online.
Digitize India Platform for large-scale digitization of records in the country to facilitate
efficient delivery of services to the citizens.
Bharat Net programe as a high-speed digital highway to connect all 250,000 gram
panchayats of country -- the world's largest rural broadband project using optical
fibre.
"Broadband Highways' as one of the pillars of Digital India to address the connectivity
issue while enabling and providing technologies to facilitate delivery of services to
citizens.
National Centre for Flexible Electronics to promote research and innovation in the
emerging area of flexible electronics.
Digital India promises to transform India into a connected knowledge economy offering
world-class services at the click of a mouse and will be implemented in a phased
manner.The government feels that open access to "broadband highways" across cities,
towns and villages would give a fillip to trade across the country. "The other important
benefit we see is surge in e-commerce. The intention is to bring down net electronics
imports to zero by 2020, from about $100 billion now, a move which will help the country
control its current-account deficit. As things stand, net annual electronics imports could rise
to $400 billion by 2020, outgrowing oil imports.
Try to make essay out of it and post it in the comment section.
You all must be hearing about a word "VYAPAM" on all the news channels and might be
seeing it on the cover pages of the newspapers as well. You don't need to wonder at all. You
might get this topic in the upcoming descriptive exam like SBI PO Mains. Being recently in
news, it is one hot topic for discussion. It's seriousness got elevated once the unseen pages
of VYAPAM got turned by special Task Force constituted by Court Authority. Now the first
question that might arise in your mind is "What is Vyapam?"
The answer is, the Madhya Pradesh Professional Examination Board (MPPBP), the
government body responsible for conducting several entrance tests in the State, is popularly
known as Vyapam (Hindi acronym for Vyavsayik Pareeksha Mandal). These entrance tests
are used for recruitment to government jobs and admissions to educational institutes in the
State.
The scam, which has been in the news recently, is an admission and recruitment scam
involving politicians, senior government officials, business-persons and others in Madhya
Pradesh. In it, undeserving candidates bribed politicians and MPPEB officials, through
middlemen, to get high ranks in the entrance tests or secure jobs. Many of those who
discovered these sordid facts whistleblowers and journalists responsible for unearthing
the details have died in a spate of suspicious incidents. The three main whistleblowers
social activists Dr Anand Rai and Ashish Chaturvedi, and IT consultant Prashant Pandey
have been receiving death threats.
According to varied reports from whistleblowers, the following tricks were used by those
involved in the scam:
i. All the information of the candidate remained the same, except the photograph. The
candidates photograph was replaced by that of the impersonator and after the exam, it was
changed back to the original. Obviously, the impersonators were brilliant students and they
received huge sums to keep their mouths shut.
ii. A person was strategically made to sit in front of the candidate in question. The person let
them copy from his sheet or exchanged the sheet with them at the end of the exam.
iii. The candidates in question were asked to leave their answer sheets blank and were given
high marks in the exam. Or they were supplied with solved OMR sheets before they took the
exam.
While complaints against irregularities came trickling in from the mid-2000s, the Vyapam
issue turned murkier from 2007-08 onwards. However, it was only in 2013 that the lid was
blown.
The Opposition claims that over 77 lakh candidates have paid bribes to secure seats and
jobs. Heres how it all began:
2007: This was the year when the scent of a scam was sniffed. The MP Local Fund Audit
office found financial and administrative irregularities in Vyapam.
2009: Activist and doctor from Indore Anand Rai filed a public interest litigation (PIL) with
the MP High Court, alleging foul play in the recruitments and admissions.
2011: Chief Minister Shivraj Singh Chauhan set up an enquiry committee to look into the
matter.
2013: Anand Rai made startling revelations that led to a series of arrests. On the
intervening night of July 6 and 7, the police arrested 20 persons who were to impersonate
candidates scheduled to appear on July 7 for the MPPEB. On July 12-13, the kingpin of the
racket, Jagdish Sagar, was arrested. A list confiscated from him revealed the names of 317
candidates. MPPEBs exam controller, Pankaj Trivedi, who vouched for students who had
fraudulently answered the exam, sending letters to institution heads to accept them, was
later arrested and removed from his post. A Special Task Force of the MP Police began
handling the investigation. The Congress requested the High Court to conduct a CBI probe.
2014: The MP High Court rejected the demand for a CBI Inquiry by the Congress and other
parties. In April, 27, students from MGM Institute of Health Sciences were expelled for
fraudulently clearing the medical test back in 2012.
2015: Accused, witnesses and investigators have been dropping like flies this year. So far,
around 1,900 are in jail. According to latest developments, though the State Government of
Madhya Pradesh wanted to hand over investigation to the CBI, the MP High Court quashed
the request, stating it will not take a decision till the Supreme Court weighs in on the matter.
Now after all of this, the matter is still under investigation and the final decision is still to be
taken. It has to go a long way and many pages of this book is still unturned. We have to wait
and watch untill some concrete steps is to be taken by the authority. In this country where
unemployment is one of the burning issues, such kind of incident will not only demotivate
the young generation but will adversely affect the output.