4 Doubts - BatchPCB1 - 13-07 - 6PM - To - 20-07-20 - upto6PM

Educational Queries in Mrunal’s Economy Course at Unacademy Plus (Batch PCB1) Discount Code: ‘Mrunal.
org”
TABLE OF CONTENTS
Instructions ......................................................................................................................................................................................................................................................................................................................... 5
13_JULY_2020_6pm_ONWARDS ................................................................................................................................................................................................................................................................................ 6
14_JULY_2020 ................................................................................................................................................................................................................................................................................................................. 10
15_JULY_2020 ................................................................................................................................................................................................................................................................................................................. 16
16_JULY_2020 ................................................................................................................................................................................................................................................................................................................. 22
17_JULY_2020 ................................................................................................................................................................................................................................................................................................................. 28
18_JULY_2020 ................................................................................................................................................................................................................................................................................................................. 39
19_JULY_2020 ................................................................................................................................................................................................................................................................................................................. 47
20_JULY_2020_upto_6pm .......................................................................................................................................................................................................................................................................................... 65
FAQ: Frequently Asked Questions ......................................................................................................................................................................................................................................................................... 80
General Qs on UPSC Prep/Strategy .................................................................................................................................................................................................................................................................. 80
Strategy / book list/ How to begin preparation? ................................................................................................................................................................................................................................. 80
Too many lectures/unable to find time/Time management .......................................................................................................................................................................................................... 80
unable to focus in studies/ unable to remember ................................................................................................................................................................................................................................. 81
Current affairs(CA) preparation/ Current PDF/Newspaper skip/Notes? ................................................................................................................................................................................ 81
Current Affairs (CA) PDF Vision/IASParliament/3rd party: which one to use? .................................................................................................................................................................... 82
Shd I use Vision PT365/similar YEARLY compilations or Monthly CA PDF? .......................................................................................................................................................................... 82
Should I read the Hindu or Indian Express? ........................................................................................................................................................................................................................................... 83
Doubts about notes making ........................................................................................................................................................................................................................................................................... 83
Doubt about revision ........................................................................................................................................................................................................................................................................................ 83
Suggest me educators for each subject/ Whose lecture should I attend/skip? ...................................................................................................................................................................... 83
Optional subject related doubts ........................................................................................................................................................................................................................................................................ 84
How to prepare optional? ............................................................................................................................................................................................................................................................................... 84
Page 1 of 112 (Plz turnover the page, as FAQ has more than one sub-questions)
Educational Queries in Mrunal’s Economy Course at Unacademy Plus (Batch PCB1) Discount Code: ‘Mrunal.org”
My option subject not available in unacademy Plus? ......................................................................................................................................................................................................................... 84

Should I drop my graduation subject to select Humanities subject? .......................................................................................................................................................................................... 85
Which one to pick from PubAd/PolSci/Socio ........................................................................................................................................................................................................................................ 86
Admission → Previous Batch Student ........................................................................................................................................................................................................................................................ 86
Handout of my Lectures ........................................................................................................................................................................................................................................................................................ 87

Where is the handout? How to download handout?........................................................................................................................................................................................................................... 87
How to download the powerpoint Which you are teaching in the class? ................................................................................................................................................................................. 88
Should I take printout? my eyes are stressed because of PDF reading? .................................................................................................................................................................................... 88
Give me all the handouts at once, ABHI KE ABHI ................................................................................................................................................................................................................................. 89
Why sequence of topic is different in Powerpoint vs Handout?.................................................................................................................................................................................................... 90
What is the meaning of all the emojis used in your hand out? ....................................................................................................................................................................................................... 90
Hindi Medium mein entire handout chhahiye mujhe. ....................................................................................................................................................................................................................... 91
Why handout has no blanks? previously you used to keep blank? .............................................................................................................................................................................................. 91
Correction in the handout............................................................................................................................................................................................................................................................................... 92
Economy → Doubts → General ........................................................................................................................................................................................................................................................................ 93
Q. I've taken late admission, should I wait for next batch? .............................................................................................................................................................................................................. 94
I've taken late admission, how to cover up the gap in present course? ..................................................................................................................................................................................... 94
Is this course relevant for 2020’s prelims? how to use for Pre-2020? ....................................................................................................................................................................................... 94
Is this course relevant for 2022 or future year's aspirant? ............................................................................................................................................................................................................. 94
Is this course covering both prelims and mains economy for GS? ............................................................................................................................................................................................... 94
After your course is over, how to receive updates on new CA/budget/economic survey? .............................................................................................................................................. 95
I'm preparing for StatePSC exam, how to use your economy course? ........................................................................................................................................................................................ 95
What topics are you going to teach in economy? ................................................................................................................................................................................................................................. 95
Do I need to make notes from your handout? ....................................................................................................................................................................................................................................... 95
How should I revise economy from your course?................................................................................................................................................................................................................................ 95

Do I've to memorize facts, can i pass prelims just with 'basic understanding of economy concepts'? ........................................................................................................................ 96
Do i've to remember the full form of all organizations and schemes?........................................................................................................................................................................................ 96
What to read for the economy apart from your handout? ............................................................................................................................................................................................................... 96
Should I buy / read Ramesh Singh / Sanjiv Verma or not? .............................................................................................................................................................................................................. 96
Which NCERTs do I have to read for economy?.................................................................................................................................................................................................................................... 97
Should I make notes for economic current affairs? ............................................................................................................................................................................................................................. 97
Will you be teaching the government schemes in this lecture? ..................................................................................................................................................................................................... 97
Economy → Doubts → Specific ........................................................................................................................................................................................................................................................................ 98
Why cheque/DD/card not legal tender? .................................................................................................................................................................................................................................................. 98

How is SOV a fiat money?................................................................................................................................................................................................................................................................................ 98
How is Credit card and Overdraft different? .......................................................................................................................................................................................................................................... 98
What if someone does not repay the loan where no Collateral is given? .................................................................................................................................................................................. 98
Doubts over money multiplier effect ......................................................................................................................................................................................................................................................... 98
Why is repo the main tool of monetary policy, When it is very ineffective giving any result? ........................................................................................................................................ 98
How to open a bank/scheduled vs non-schedule? .............................................................................................................................................................................................................................. 99
Doubt of paid up capital vs authorized capital ...................................................................................................................................................................................................................................... 99
Narsimham committee..................................................................................................................................................................................................................................................................................... 99
Doubt over Banking equation .....................................................................................................................................................................................................................................................................100
What is Public Account, Consolidated Fund & fiscal deficit? ........................................................................................................................................................................................................100
Why is excessive gold consumption bad for economy? ..................................................................................................................................................................................................................100
Why is real estate speculative investment bad for the economy? ..............................................................................................................................................................................................100
IPO/FPO ................................................................................................................................................................................................................................................................................................................101
(ADR/ GDR/IDR) vs P- notes.......................................................................................................................................................................................................................................................................101
Fintech/Startup/Loans Model ....................................................................................................................................................................................................................................................................101

ESOP vs Sweet Equity .....................................................................................................................................................................................................................................................................................102
Sweat Equity vs Sweet Equity .....................................................................................................................................................................................................................................................................102
ECGC and NIRVIC scheme .............................................................................................................................................................................................................................................................................102
outside photoframe/Operational aspects of economy/org/law .................................................................................................................................................................................................102
Moral Outrage, "AISA KYO HAI" "isn't x policy contradictory to y policy"? ...........................................................................................................................................................................103
PhD/ research paper/overthinking .........................................................................................................................................................................................................................................................103
Personal tuition/pedanticism/hairsplittery/insecurity .................................................................................................................................................................................................................104
Unable to follow teachers' instructions from lecture/handout ...................................................................................................................................................................................................104
Unable to understand the topic which is already simplified in sufficient manner .............................................................................................................................................................104
Mock → Weekly Economy Test ....................................................................................................................................................................................................................................................................105
Suggest me books for additional preparation of economy MCQs ...............................................................................................................................................................................................105

poor score in economy weekly economy quiz, what to do, feeling demotivated? ..............................................................................................................................................................106
Please give separate pdf file containing your weekly Quiz, its answers & explanations ..................................................................................................................................................106
Senior students finishing weekly quiz fast / why no negative marking/ why rank on speed? .....................................................................................................................................106
Please Change every MCQ in every new batch so senior students can’t finish it in 5 minutes ......................................................................................................................................107
Please increase the number of questions asked in the weekly quiz /live class/in handout ...........................................................................................................................................107
I am unable to get correct answer even after doing 50:50 elimination strategy .................................................................................................................................................................107
Mock → Paid Test Series by private institutes .......................................................................................................................................................................................................................................107
Should I join any paid test series ...............................................................................................................................................................................................................................................................107

I am feeling demotivated after poor score in a Paid testseries ....................................................................................................................................................................................................108
You are suggesting that go through previous years paper how many previous years paper should I see? ............................................................................................................108
Mock → Mains Answer Writing ......................................................................................................................................................................................................................................................................108
Q. When should I start doing Mains Answer practice? ....................................................................................................................................................................................................................108

Q. Do I have to do answer writing on daily basis or from day1? .................................................................................................................................................................................................109
Q. Where can I find Qs for mains answer writing practice? ..........................................................................................................................................................................................................109
Q. I am unable to write good mains answers .......................................................................................................................................................................................................................................109
How to evaluate the mains Questions given in handout? / how do i sent my answers to you for evaluation? .....................................................................................................109
Doubt over word limit ....................................................................................................................................................................................................................................................................................110
Doubt over speed/time limit in answer writing? ...............................................................................................................................................................................................................................110
Should I writing in paragraph or bullet ? ...............................................................................................................................................................................................................................................110
Additional demands from teacher..................................................................................................................................................................................................................................................................110
Please Teach other subjects .........................................................................................................................................................................................................................................................................110
Please teach Economics as an optional subject ...................................................................................................................................................................................................................................111
Live Class → Other Misc. queries ................................................................................................................................................................................................................................................................111
Chat box / comment box nuisance............................................................................................................................................................................................................................................................111

Please change lecture timing to “X” day or “Y” hrs ............................................................................................................................................................................................................................111
Please reduce the duration of your class I cannot sit for 2 hours ...............................................................................................................................................................................................111
Please do not give any breaks. teach continuously for 2 hours just like some other educators ...................................................................................................................................112
INSTRUCTIONS
1. Yes Mitron, Here are my replies to the educational queries received last week through google form.
2. You can search the question term in the attached pdf file, and know my reply to your question.
3. Some of the frequently asked questions (FAQ) are also added at the bottom part of this PDF. In FoxitPDF reader software, click on the bookmark button on
right hand column, to open the nagivation menu
4. For technical queries (regarding downloading PDF, live-chatbox, college wifi access, video / audio issues etc.) plz contact the technical team by emailing to
help@unacademy.com
5. My replies are dictated using Google docs voice typing, So forgive any grammar, spelling, and phrase mistakes in advance. E.g. it sometimes detects
‘Batches’ as ‘Matches’ and ‘mocktest’ as ‘locktest’ etc.
6. In FoxitPDF reader software, click on the bookmark button on right hand column, to open the nagivation menu
13_JULY_2020_6PM_ONWARDS
Who controls the Assets(shares) of a Ans. scrolldown in PDF → FAQ: Economy Doubts → Specific →
13/07/2020 company under SARFAESI Act if company
18:07:30 mafia 1 1 taken loan from various banks? Operational aspects
if proportional then problem --> cooperative

banks because voting power=1
sir for tamil nadu books history, should i

prefer 2007 edition or 2019 new edition? 1. New edition has more colourful photographs. or you can use
the older one, which is black and white.
sir could you please help me in 2. Ans. scrolldown in PDF → FAQ: Economy Doubts → Specific:
understanding how CRR helps in money Unable to understand the topic which is already simplified in
13/07/2020 SHIVAM multiplier effect as i am not able to
18:07:33 AGRAWAL 1 8 understand? sufficient manner in the lecture and handout.
1) What happens to loans in bank in case of

collapse or merges? 1. those loan papers may sold/transfered to another bank.
13/07/2020 2) Is new rules of banks applicable to old 2. which rules? external benchmark?- yes old loans can be
18:09:52 mafia 1 1 loans? upgraded into them.
13/07/2020
18:11:03 mafia 1 1 Is SARFAESI Act applicable to foreign banks all commercial banks, including foreign banks.
Hello sir. 1)Welcome to my course at Unacademy Plus! For answer to your

1) sir i m join late so i will directly come with question, plz scroll down in this PDF → FAQ: Economy Doubts →
live class which is on16 july.
Late Admission
or watch recording.?
2)Ans. scrolldown in PDF → FAQ: Economy Doubts → General→ I'm
13/07/2020 2) sir this course is helpful in state psc or this
18:40:57 Mohil kumar 1 8 year upsc epfo exams? preparing for StatePSC exam, how to use your economy course?
thankyou sir..
your student
13/07/2020 Do all companies who issue shares in the

19:08:00 Nikita Singh 1 1 market are liable to pay back dividend? Not liable if there is no profit made
Sir, in one of the MCQ's you had said that

'Zero Coupon bonds earn interest'. I verified
it from multiple sources and they say that it
doesn't. What you had said made sense, that
since we buy it in discount and receive the Such type of issues will also occur in the real UPSC exam.
face value, it is interest received. However,
13/07/2020 Vijetaa technically interest is received on the face ultimately the official answer key depends on how the official examiner
19:36:51 Majumdar 1 1 value. Please clarify this, sir. interpreted the things.
13/07/2020
20:23:58 @mahima@98 1 1 sir how SOV is a fiat money? Ans. scrolldown in PDF → FAQ: Economy Doubts → Specific: sov
13/07/2020
20:28:27 @mahima@98 1 1 sir how SOV is a fiat money? replied in previous cell
- first movie ko "movie" bolte hai. Second time produced the

next part of the movie= "sequel".
if an old company is issuing new shares then
13/07/2020 we call it as ipo or fpo? diff between ipo nd - Similarly, First time issued shares= "IPO". second time issued
20:38:07 Archit Srivastav 1 1 fpo? can ipo be issued one time only? shares = FPO.
13/07/2020
20:43:18 Vizisha 1 1 What are asset finance companies? type of NBFC that give loans to people
1. Sir, if we want to mention some

points in answer writing which is
given in budget or Economic survey
then Do I need to mention like "acc
to Budget 19, 20 etc or ES 19, 20"? It
is very difficult to remember exact
year after reading so much topics.
Can i skip mentioning the Budget
year and simply quote the points
which is said/given in the
statement?
2. You are really amazing sir I started

off my Economy preparation from
Minus level, you made me so much
clear about each n every concept.
And lastly my humble request to you 1. Not necessary to remember/mention the years of individual
is pls use some English also while eco survey.
explaining the concept. Sometimes I
13/07/2020 find difficulty to understand. Thank 2. Regarding the medium of instruction in the classroom=While I
21:17:01 Raina chanu 1 1 you sir. sympathize with you but - clarifications made in first lecture.
Why DD, cheque, ATM card is not legal

tender??
13/07/2020
21:20:16 Sakera Momin 1 1 - Ans. scrolldown in PDF → FAQ: Economy Doubts → Specific
1 1
13/07/2020 ABHISHEK Sir , in the case of masala bonds . Why/Under 1. It all depends on the desperation and business model of the
21:30:06 DWIVEDI which circumstances will the company invest company whether they should go for the route of masala
in such bond as rupee is very weak as bond/ADR/GDP Etc.
compared to $ , as the profit that that
company might earn after conversion to from 2. Depends on the movement of the exchange rate. if borrowed
rupee to $ will be very less ? @$1=70 and when maturity again $1=70, then there is no loss.
Also , when Indian companies or state govt.

invests in Masala bond outside . If the
demonination is in rupee wouldn't they be in
loss as they will have to give back more ? ( $ -
> rupee conversion )
Sir please upload the Powerpoint slide for

13/07/2020 this week (09 to 12 Jul). It will be very
22:38:29 Somya Solanki 1 8 helpful. Thank you - done
14_JULY_2020
sir i read dirshti monthly magazine only and its daily

current affairs. also the hindu selectively .will it be plz scroll down FAQ: General Qs on UPSC Prep/Strategy
enough? if i continue regular with it . if not , then
suggest me better. sir . → Current affairs(CA) preparation/ Current PDF/Newspaper
14/07/2020
00:30:28 vishwa mohit 1 8 plz skip/Notes?
With reference to Operation Twist, consider the

following statements:
14/07/2020 Anubhav Second statement is poorly framed Birbal ki Khichdi. Answer
04:25:54 Vashishtha 1 1 should be only statement #1 corrrect.
1. It involves simultaneous purchase and sale of

government securities by the Reserve Bank of India
under open market operations (OMO).
2. It aims to increase long-term lending by banks. Sir

as we know that govt. introduced op twist for making
private sector bonds marketable at low interest then
why statement 2 is correct
hello sir , lucky to have you as mentor

1.plz scroll down FAQ: General Qs on UPSC Prep/Strategy
my query is regarding current affairs
→ Current affairs(CA) preparation/ Current PDF/Newspaper
14/07/2020 i am following insights current affair , nothing else
07:08:13 amri tpal 1 8 ,would it be sufficient for exam point of view. skip/Notes?
sir my attempt 2021economy sir notes ko revision

karne me kaphi time lagta hai..maine kabhi economy
nahi padha hai...but ncert 9 to 11 tak padh chuke
hai..sir jada word association yad nahi rahta...sir mind
power improve karne ka koi idea...kya koi economy plz scroll down FAQ: General Qs on UPSC Prep/Strategy→
14/07/2020 prakash related current ka notes banane ya padhne ki jarrorat
07:33:22 kumar 1 8 hai...please suggest... Doubts about notes making.
14/07/2020 sir do we need to study NITI Aayogs VNR report on no need. Important points from such reports will be in
07:37:53 R sandeep 1 8 SDG goals handout.
14/07/2020 Siddharth
07:43:22 Sahu 1 1 Hello sir Namashkar !!
Explained on the lecture dated 19th jul → financial inclusion
→ credit.
What is exactly meant by the term "Refinance"?

Example- 1. NABARD provides indirect refinance to
artisans and farmers. 2. Under Aatmanirbhar Bharat,
RBI Governor announced special refinance for AIFIs.
Hello sir, namashkar.
SMA-0, NPA = these are the methods of classifying the bad

As per the RBI's Prudential Framework concept, the
loans for the Purpose of economic analysis and surveillance.
loan defaulted by 30 days will undergo resolution
process by IP, under IBC. Does that mean the
previous concept of a loan account becoming NPA (90
days time frame) is invalidated now, since any loan If a person is not repaying the loan on the due date, then the
14/07/2020 Siddharth and every loan beyond 30 days will automatically go bank is within its rights to start taking legal actions. It is not as
08:21:15 Sahu 1 1 into the resolution domain? if they have to wait until it becomes >90 days walla npa
Please tell me how should I plan my revision. I have

just completed a course on physical geography on
plus. I tend to forget some concepts sometimes which
is due to lack of revision. Should I first revise the
whole course or should I go with sir in live classes on plz scroll down FAQ: General Qs on UPSC Prep/Strategy→
14/07/2020 Rajat a new topic(Indian Geography) and then revise whole
08:28:41 Bhardwaj 1 1 of geography altogether ? Thanking you in advance. Doubt about revision
Sir, I have joined plus on 13th July 2020,should i Welcome to my course at Unacademy Plus! For answer to
watch your previous lectures first(are they pre- your question, plz scroll down in this PDF → FAQ: Economy
14/07/2020 sumitp54- requisite?) can I watch them simultaneously with the
09:43:25 8712 1 8 new videos(pillar#1C)?? Doubts → Late Admission
14/07/2020 Soumyadip
09:59:17 Jana 1 1 Sir pls upload Piller 1B2 PPT done
Ans. scrolldown in PDF → FAQ → Gen Qs on

sir i am preparing for upsc 2021 current affairs
UPSC→Current affairs(CA) preparation/ Current
magazine vision ias ka page by page padhna hai...ek
magazine ko kitna time me finished karna PDF/Newspaper skip/Notes?
14/07/2020 prakash chahiye...bcz per magazine 110 pages ka pdf
10:19:39 kumar 1 8 hai...please suggest...
Using NEFT requires that entity must have an IFSC code.
Sir, I'm started ur classes from day before yesterday. only banks have IFSC code.
Firstly I wanna know i can ask doubt from that class
14/07/2020 Purvanshu now? Secondly sir why we use IMPS not NEFT Other type of entities may have to embed IMPS in their
11:36:42 yadav 1 1 because of instant settlement? apps/portals.
Namaste sir....
Aapka lecture attend kiya par mujhe
LAF and REPO RATE me difference samajh
Me nhi aaya ...
LAF = name of the window of RBI's e-kuber platform.

14/07/2020 Mayank
12:04:18 anand 2 7 Sir please आसान भाषा me bata dijiyega ... it has two facilities 1) repo. 2) reverse repo.
Thank you so much for answering me..
14/07/2020 Dhruv How RBI buying G-Sec will decrease the interest rates
15:48:33 Bhatnagar 1 1 of loans given by banks? money supply increased in market → loan interest decline.
how "X" "Y" or "Z" factor will affect bond yield? = Not
14/07/2020 Dhruv How liquidity(increase/decrease) by RBI affects the important part the scope of exam beyond The factors that we
15:51:07 Bhatnagar 1 1 G-sec bond yields(short-term and Long-term)? have found under the operation twist in 1A2 lecture
Ans. Scrolldown in PDF → FAQ: Mock → Mains Answer

14/07/2020 Dhruv Usually, how much sheet is to be covered for 150 and
15:52:57 Bhatnagar 1 8 250 words? Sorry, for the silly question. Writing → Doubt over word limit
Short term bonds are called unsecured since no

guarantee of repayment and long term securities are 1. G-sec= long term but no collateral given. so they're
called secured unsecured.
1. Are G-Sec and T-Bill also unsecured or only private
2. Ans. scrolldown in PDF → FAQ: Economy Doubts →
bonds are unsecure.
Specific: What if someone does not repay the loan
14/07/2020 2. What is the guarantee of repayment in long-term
17:41:11 Pratiush 1 1 loans. where no Collateral is given?
Sir,why an investment in gold and real estate is bad

for an economy?
Why is it investment in gold doesn't contribute to

economic growth, when gold is providing
14/07/2020 employment to thousands of goldsmiths,there by
17:43:38 Mrudul 1 1 creating jobs and leading to growth and prosperity. Ans. scrolldown in PDF → FAQ: Economy Doubts → Specific
reverse repo = buyback guarenteeby RBI

14/07/2020
19:33:29 Bhavya 1 1 sir in OMO rbi sells sec with buy back guarantee???? omo = no such thing.
Sir i am your previous batch student....there is any 1. prsindia = Only for important bills acts
need of doing
2. You should be aware of the schemes launched by the
1. PRS and government. there is no need to prepare the the
14/07/2020 "evaluation" of one year of Modi government,
20:17:19 Srishti 1 7 2. one year of Modi 2.0 separately.
Honorable Sir, as I am appearing for 2023 so I am

confused to buy topic wise pyq - As far as the economy previous years questions are
concerned they are already being covered in the
book as in three years, 3 new editions will come. respective handouts In topic wise manner
(which might update too much content of the book)
So when I should buy a book now or after 1/2 year? - For other subjects like history geography, polity You
please guide me. Very blessed as having you like can refer to the previous years topicwise papers in:
teachers on unacademy :-) Mrunal.org/prelims and Mrunal.org/mains
- So you can utilise such free resources. There is no

14/07/2020 compulsion that you must buy the previous years
21:06:24 Shruti Gupta 1 8 Sir, I asked the same que in the past week, Sir I am question paper book
asking about your book (previous year and chapter
wise question book), not about your course.
15_JULY_2020
Sir in AIFI lecture, I came across a question which had an option that SIDBI was a wholly owned
subsidiary of IDBI, and the statement was wrong which has led to confusion in me as once a
SIDBI officer told me during interaction that it was once under IDBI and then separated, the
same has been mentioned in the website of Industries & MInes Department, Govt. of Gujarat
http://www.imd-gujarat.gov.in/small-industries-development-bank-of-
india#:~:text=The%20SIDBI%20was%20established%20on,by%20the%20Chairman%20%26
15/07/2 %20Managing%20Director. Ans. scrolldown in PDF → FAQ →
020 Suvendu
09:11:30 Gayen 1 1 Sir, need your guidance and review Handout: → correction
- Not important for the

scope of exam: how "SLR
reduction helps in HQLA".
Sufficient to know that
15/07/2 SLR was reduced from January 2019 to 2020 to 18% and you said that it is because of BASEL HQLA/LCR is a word
020 NORMS ( 28th june lecture).You said you will explain it in pillar 1B2. Can you please explain me associated with BASEL
11:04:01 Jaky 1 1 how? which norm is it?( I went through your lectures but could not find it. Maybe I missed it) . NORMS.
themdrizwana The insurance limit under DICGA was increased by RBI (as DICGA is completely owned by RBI)
15/07/2 nsari 1 1 or by Govt under Union Budget? DICGC "Act" Needed to be changed
020 for that. so government alone can
11:38:25 do it in parliament, not rbi.
15/07/2
020 I just wanted to tell my favorite teacher to take care of him during corona crisis,,, as future of Thank you for your compliments
12:21:40 Tany shukla 1 8 many upsc aspirant is dependent upon ur efforts...... and kind words!
Welcome to my course at
Unacademy Plus! For answer to
your question, plz scroll down in
this PDF → FAQ: Economy Doubts

15/07/2 → is this relevent for 2022 or
020 Sir I am preparing for 2022 to kya ye couse beneficial hoga kuki abhi 2 saal me kuch changes
13:04:04 Mridul Gupta 1 8 honge to kya abhi se ye couse dekh sakta hu maine 5-6 din pahle hi join kia hai . Plzz reply . afterwards?
Welcome to my course at
Unacademy Plus! For answer to
your question, plz scroll down in
this PDF → FAQ: Economy Doubts

15/07/2 → is this relevent for 2022 or
020 Sir I am preparing for 2022 to kya ye couse beneficial hoga kuki abhi 2 saal me kuch changes
13:04:12 Mridul Gupta 1 8 honge to kya abhi se ye couse dekh sakta hu maine 5-6 din pahle hi join kia hai . Plzz reply . afterwards?
15/07/2 1. What are the difference between ESOP and Sweat/Sweet Equity? Ans. scrolldown in PDF → FAQ:
020 themdrizwana
13:54:02 nsari 11 2. Also tell if there is any difference between Sweet and Sweat Equity. Economy Doubts → Specific
15/07/2 Sir, i am 2020 aspirant i have selected management optional in mains could you pl help in
020 preparation strategy e.g where & how to prepare if any good external website in your plz scroll down FAQ: Optional
17:32:09 Promit 1 2 knowledge as unacademy haven`t launched yet. subject related doubts
Namaste Sir, in GS-2 there's INDIAN GOVERNANCE. I don't know from where to refer. Would given here
15/07/2 you help me out ? https://mrunal.org/2020/06/dow
020 nload-upsc-mains-general-studies-
19:12:56 Suprith M B 1 8 #ThankYouMrunalSir paper-2-topicwise.html
Question is regarding money cycle outside of India. What happens to printed Indian Money
15/07/2 when we purchase service/product of other country? does RBI keeps printed money and we'll learn that in pillar#3:
020 converts it to dollar or any other currency ? And how will it affect our economy as money is internatiaonal trade. presently we
19:28:07 Chintak 1 1 going out of our contry. are at pillar#1
Sir I took up this course so that I can complete the course in a year and keep second year for Ans. scrolldown in PDF → FAQ:
optional and revision with college right after graduation (currently in sy) and clear it in the first
attempt itself and I know I can do it with effort and correct guidance...but the courses are Economy Doubts → General→ Too
15/07/2 finishing really fast while I am not able to complete them on my part..managing many lectures/unable to find
020 shwetaChoud videos+ncert+current affairs+standard book and making notes is difficult for all subjects..and
20:11:35 hury-8436 1 8 for dynamic subject like economy, I fear if I have chosen the correct course now.. please guide.. time/Time management
- colorblind person eligible

for IAS and IRS and other
services.
- not eligible for IPS, Railway

Protection Force, DANIPS.
15/07/2 Sir jaisa ki apne previous doubt batch me reply kiya tha uniform service colour blindness Long story cut short:
020 person ke liye nhi hai to mujhe upsc ko dena cahiye ...aur kaun kaun se option hai mere pass jis militry/policy/Banduk
20:20:52 Saurabh 1 8 exam ko muj wali jobs ke liye eligible
nhi. baaki sab ke eligible
liye hai.
15/07/2 Sir jaisa ki apne previous doubt batch me reply kiya tha uniform service colour blindness
020 person ke liye nhi hai to mujhe upsc ko dena cahiye ...aur kaun kaun se option hai mere pass jis
20:21:00 Saurabh 1 8 exam ko muj replied in previous cell
hello ji
thanks a lot for providing us valuable guidance along with economics course.
sir, i am appearing for 2nd time for pre and tis is my 2nd last chance s per my age.
sir i have done and again doing standard books for core subjects/ static part. Ans. scrolldown in PDF → FAQ:
Economy Doubts →
General→Current affairs(CA)
i am very confused for current affairs.
preparation/ Current
please guide me from where i can cover current which are relevant to prelims. i have not read
newspaper last year. please specify the magazine from where i can cover sir. some are saying PDF/Newspaper skip/Notes?
vision is o more relevant these days, others are insisting to do only-ias magazine. please help
me sir. give me relevant source from which i can cover for previous as well as present year
Ans. scrolldown in PDF → FAQ:
till now i have done Drishti ias current affair from june 2019 to march 2020 magazine along Economy Doubts →
with vision 365 and presently doing monthly MCQ of ias-parliamet General→Current Affairs (CA) PDF
15/07/2 Vision/IASParliament/3rd party:
020
21:46:32 brar 2 1 thanks a lot sir which one to use?
Sir, my performance in weekly Quiz is consistently degrading.....
15/07/2 In first test, it was 23/25 recently it is 20/40 Ans. Scrolldown in PDF → FAQ:
020
21:50:22 Sarang 1 8 Sometimes get bored in the class! And then don't understand topic from hdt. Mock → Weekly Economy Test
Sir in quiz dated 15-july-2020, 1. Deosthali = PCR. beyond

that
1)the question no 4 and its point 1 states that PCR is recomended by Y.M.Deosthelee but sir in pedanticism/hairsplittery/
the handout it is given that the setting up of digital PCR has been recomended by overthinking is not
Y.M.Deosthelee.What should be the right choice sir? required Weather digital
PCR was said by him or
some other committee?
2)Sir I have attempted all the 4 test live till now but not able to improve more than 80%.In all There is only one known
the 4 tests I have scored 80% exactly but I want to score more and i am unable to do that committee for PCR that is
sir.Please suggest some ways how can I improve. Deosthali.
2. Ans. Scrolldown in PDF →
3)Sir in all the tests I have noted that i faced problems in assertion reason questions even I FAQ: Mock → Weekly
knew both the assertion and reason still I am facing difficulty in assertion reason. Economy Test → poor
score: how to improve?
15/07/2 4)After every test ends when I see the answer keys and I look at my mistakes I find that some of 3. same as above.
020 MUKUND them were those which i dont know and some silly mistakes but I am not able to correct my
22:06:43 MADHAV 1 1 silly mistakes.Sir please suggest some tip to overcome silly mistakes. 4. same as above.
Three factors are there. three

factors are explained. So what
exactly is the error? Maybe about
Lecture 3 #1A Money 2 slide no. 70 article in january in indian express and hindu about level of the sequence in which the factors
securiity in upI : sir i feel there is typo error mention of 3 level security in upi. please correct are listed slightlyIndifferent in the
this typo error. i have watched your april economy series,this error is continuing. right -- there newspaper versus my PowerPoint?
are three levels of authentication that are required in this app. One is the device ID and mobile well, that much
number, 2. then the bank account which you are linking to this app, and 3. the finally the UPI Pin pedanticism/hairsplittery is not
which is needed to complete the transaction. required for the purpose of general
studies.
2018: series A Q28. the official

https://indianexpress.com/article/technology/tech-news-technology/bhim-app-narendra- answer key says A. only 1 is correct.
modi-upi-online-transaction-safety- And that is what we have learnt
4453599/#:~:text=%E2%80%9CFrom%20a%20consumer%20point%20of,needed%20to%20
complete%20the%20transaction.
15/07/2 with warm regards

020
22:23:39 Balveer danga 2 1 your chela :)
Good evening sir

page 123: Consol bonds have no
15/07/2 Sir in today's quiz Q.25 was incorrectly marked. In it the statement - maturity date. They are perpetual
020 Aakanksha bonds that paid 4-5% interest
23:04:50 Tiwari 1 1 R. Investors are not given 'no interest' on consol bonds. rate.
This statement is correct according to the handouts. But in answer key it was marked as
incorrect. Please look after it.
Thank you sir
16_JULY_2020
EF1B2_HDT_NPA_BadLoans_BASEL_PCB1 is staring
with page-85 and previous pdf is till pg. 82. Are 83
and 84 are missing?
Similarly, EF1C_HDT_SEBI_SHAREMARKET_PCB1 is If you have downloaded the files from the portal then no need
starting with pg. 118 and previous to worry.
16/07/2020 pdf(EF1B2_HDT_NPA_BadLoans_BASEL_PCB1) is till
11:02:32 Dhruv Bhatnagar 1 8 pg. 115. Pages 116 and 117? Maybe some Sequencing error in while giving page numbers.
Ans. Scrolldown in PDF → Current affairs(CA) preparation/
Current PDF/Newspaper skip/Notes?

16/07/2020 sir how can we cover contemporary affair (D-2 years)
12:17:26 akash khoda 1 8 for prelims and mains Writing
Hello sir does upsc will conduct prelims on 4 Oct? Or

16/07/2020 will it postpone ...bcoz final year student exam as per Difficult to speculate. we can only wait for UPSC to announce
13:01:25 Deepaktalwadkar 1 8 saying may b conducting at the end of Sept .. things.
sir, CSF is the fund which is kept by RBI in case state

govt not able to pay back loan and in 2020 RBI
relaxed technical norms means that state govt can use
16/07/2020 that loan till 31/3/2021. Am i right sir? or it is What are those technical relaxations = not important for the
13:53:25 anju singh 1 1 something else sir... scope of exam.
Explained in the lecture itself. requires G-sec as collateral. And

RBI may not even want all the administrative burden of tying
16/07/2020 Why should rbi not directly give loan by TLTRO & up with so many entities so it let the banks to handle the
14:00:59 Raj gupta 1 1 LTRO headache.
We are not here for doing MBA (Finance) course. we have

If rbi want to borrow G-sec of long term maturity learnt the the operational twist topic sufficiently for the scope
period ,many investor want to sell so their prize is of MCQ. you can satisfy your further intellectual curiosity by
decrease .if trading done in secandary market then doing the Google Search on the matter but I would not consider
16/07/2020 yield is increase so here operation twist fail. Any it to be the best use of your time as far as UPSC prep is
14:07:33 Raj gupta 1 1 solution ? concerned.
Sir I have started late in Unacademy plus so my

question is that monetary policy committee decided
16/07/2020 repo rate and reverse repo rate .does it decide MSF
17:10:17 Dhawel Mahato 1 1 and bank rate too??????? only repo rate decided by MPC.
Greetings Sir!
1. Sir one doubt regarding Current Affairs. As it is said

that 'focus on the issue and not the news'. And you
always say don't go for ball by ball commentary. So, as
now-a-days the news about Gehlot and Sachin pilot is
going on, so in this news do we need to keep
ourselves regularly updated that what charges are
being put on him, etc? Or, out of the whole news do
we just need to focus on "disqualification of MLA" and
other polity topics which can be formed out of this
news??
Also, can any mains Q be asked regarding this specific

news (about Gehlot and Sachin pilot)? Or just on the
polity topic related to this?
I have recently started current affairs sir so getting

some difficulty in choosing the issues from the 1. Individual political controversial not important for the scope
newspaper. of exam.Until there is some Supreme Court / highcourt
/election commission judgement on it
2. Also, do we need to read economy current affairs

also? or we can just cover it from your course only?
2. Scrolldown in PDF →Economy → Doubts → General→
16/07/2020 I'm your CSP20 batch student so, I have current
18:14:27 Soumya Kaushik 1 8 affairs from February 2020 in your handouts and also Should I make notes for economic current affairs?
watching your current course and will be attending
winCSP20 class also to cover current affairs..
Thankyou sir!
Important census indicators will be covered in the pillar 6 of

sir the questions which comes from various census
the handout
reports like tribal population distribution, literacy,
rural population , for handeling such questions do Beyond that you may refer to Majid Hussain Indian geography
government reports are necessary to go through or it book for more on human geography
wll be covered in current affair portion of their
16/07/2020 respective subjects.. OR India Year Book will cover chasing individual government report in this regard will give
19:10:00 Vaishnavi Singh 1 8 this .... poor cost benefit
16/07/2020 Sanskriti Srivastava

20:36:52 N 1 7 Sir will you cover budget and economy survey yes i'll. in pillar2
16/07/2020 Sanskriti Srivastava

20:37:03 N 1 7 Sir will you cover budget and economy survey replied in previous cell
Are Credit rating agencies same as credit information two entities are different.
companies ?
credit information companies = borrower's past history and
16/07/2020 Because as per handout RBI gave license to CRISIL but scorekeeping like CIBIL.
21:07:09 Tanay Jha 1 1 Credit Rating Agengies are regulated by SEBI.
credit rating = S&P etc which give AAA rating, D rating etc to
securties.
Sir i have shaped my strategy inspiring from your

guidelines but i m stucked in choosing my optional as
there is no subject from my background....I have done
bsc in Biotechnology...And sir each and every optional
subject is new for me and i have to start them from
16/07/2020 scratch....Can u please guide me what to choose and
21:34:30 Milan Khunti 1 8 bit of approach.... THANKYOU Ans. scrolldown in PDF → FAQ: Optional subject doubts
Ans. scrolldown in PDF → FAQ: Economy Doubts → Specific:

16/07/2020 can n old company issue ipo? if yes then how it is
21:38:51 Archit Srivastav 1 1 different from fpo..? IPO/FPO
In last quiz, question no 34 about electoral bonds

right answer code was C.(3rd statement)
My doubt is option B (2nd & 3rd both statement)
Where statement 2 says, They can be purchased by Resident and citizen are two different concepts.
16/07/2020 any resident of india. Which according to me is also
21:45:28 Anamay 1 1 correct. please read in laxmikanth's polity book.
16/07/2020
22:18:43 jaky 1 1 govt's disinvestment is type of FPO or IPO? it is not.
16/07/2020 Sir I want your guidance, sir pichle 7, 8 month se

22:25:53 Dheeraj Gupta 1 1 tyyari kr rha hun bahut se topic samajh me aa rhi hai
questions bhi solve ho rhe hai but phir bhi lagta hai Ans. scrolldown in PDF → FAQ: Economy Doubts →
nhi ho paayega kuch topics to 4 5 baar padne k baad General→ unable to focus in studies/ unable to remember
bhi dimaag me aata hi nhi hai lagta hai chor de. sorry
sir agar kuch galat lga ho to.
Sir , what is the difference in purpose of ADR/ GDR Ans. scrolldown in PDF → FAQ: Economy Doubts → Specific:
16/07/2020 and P- notes? both facilitate buying shares and bonds
22:37:18 DARBHA SAI 1 1 by foreigners adr/Gdr
please tell me what is the basic difference between IPO is for shares for the first time.
16/07/2020 IPO and NFO. i revised but couldnt figure it out
22:59:57 pranakshi 1 1 properly.. sorry sir.. but plz tell me. NFO is mechanism for issuing ETF out of shares/bonds.
- Corporatization is the process of converting an

organisation into a public limited company so that
later on its shares can be sold to others thru
disinvestment.
- if govt sells shareholding from a govt company to such

level that Government itself becomes a minority
16/07/2020 what is the difference between privatisation and shareholder or 0% shareholder then it is the process
23:18:20 darbha 1 1 corporatisation? called privatisation.
It helps to cultivate vocabulary for writing answers in formal

language. for more....

16/07/2020 sir, is reading editorials is compulsory for mains
23:34:28 @arpitbhargava3477 1 1 writting ? Writing.
Spva Sairam 1 1 Sir, my subscription is going to end by july. I have While I sympathize with you but company rules prohibit me
16/07/2020 downloaded all hand outs from 2020 prelims course from circulating the material outside of the course page. And
23:42:48 of yours. But sir this new course is so interesting that you can access always the mains answer writing related
it is covering mains answer writing at great length. Sir material on Mrunal.org/mains for free.
my question is is there any possible way that i can
have access to mains answer writing PPTS after my
subscription gets terminated? Please reply, thankyou
sir
17_JULY_2020
Sir i have watched your 1st week classes live , but

due to some resons i was not able to attend the
classes , due to which i got almost 3 weeks backlogs ...
, I got confused should i first complete the backlogs
or can i join from the upcoming week classes from
23july and will it be fine to join them without
Welcome to my course at Unacademy Plus! For answer to your
covering previous classes ??? What would you
recommend ?? question, plz scroll down in this PDF → FAQ: Econoommy
17/07/2020
01:08:22 Farhan qureshi 1 8 Thank you. Doubts → Late Admission
If you are going to use english medium for interview that's good.
Sir while giving interview in English language can I
speak in Hindi English mix as I am not very much If a few words of Hindi are spoken there is no harm in it.
fluent in English ???...Also I am going to give mains in
17/07/2020 English language and my whole preparation is in There is no requirement that you have to give Shashi Tharoor level
01:23:37 Ankit yadav 1 1 english of fluent English.Many candidates have cleared without that
17/07/2020 Good Morning Sir, Thankyou very much for making

05:36:27 @Harpreet007 1 8 Economics so easy. Sir I have been following your Presently I am teaching Economy. for geography courses you will
website since 2015 since my college days. But now I find other good teachers at
am not able to find your Geography Course in detail https://learn.unacademy.com/plus/goal/KSCGY/topics

for Civil Services. Could you please let me know if
there is any course on Geography by you for Civil
Services, I would really appreciate and subscribe to it
instantly.
Good morning sir
Sir my doubt is that- The Hindu editorials are

generally biased against the government and by
reading them I have created a negative bias towards
the government. But in our answers we have to write
pro- government points. Sir what should I do? Should
I read another newspaper or some other sources?
Please guide me sir. Ans. scrolldown in PDF → FAQ: Economy Doubts → General→
17/07/2020
08:09:23 Aakanksha 1 8 Thank you sir Should I read the Hindu or Indian Express?
sir, you said if jio company(pub ltd) makes such

harmful phones, it is the Company's liability to
compensate ,not the share holders....But my doubt is
eventually mukesh ambani only has to give
compensation as he is the owner of the - Jio company will take bank loans in its own name to give
company..eventually the loss goes to him in the name compensation to the victim.
of the company....then how can we differentiate
17/07/2020 between pub or pvt ltd and limited liabity patnership - it's not that Mukesh Ambani will not have to sell personal
08:51:20 aswini 1 1 companies. jewellery of his wife for this.
Sir, will you cover the portion of economic geography Presently I am teaching Economy. for geography courses you will
17/07/2020 ? If not then suggest a few resources from where I find other good teachers at
08:55:53 Satyajeet 1 8 can cover this portion. https://learn.unacademy.com/plus/goal/KSCGY/topics
Thank you.
Sir, you said we have to write answer in

(introduction, body, conclusion ) format. I wanna
know that before starting conclusion and Ans. Scrolldown in PDF → FAQ: Mock → Mains Answer
introduction we have to give heading (Ex- WritingAns. Scrolldown in PDF → FAQ: Mock → Mains Answer
17/07/2020 Purvanshu conclusion:-...) or just by changing paragraph we
09:19:47 yadav 1 8 write them separately. Writing
Good morning sir
Sir what is minimum authorised capital? In handouts

it is given that it is the amount of shares the company
can issue. It means that Reliance can issues shares of
only rs. 5 lakh?
explained in this following lecture @slide number 36 to 39
I am confused sir please explain.
17/07/2020 - https://unacademy.com/class/economy-pillar1b1-fi-
11:16:19 Aakanksha 1 1 Thank you sir classification1-rbi-scb-psb-merger/76EJ6WRL
sir what is ur full name??
17/07/2020
12:11:20 amit soni 1 1 sryy in advance for asking this. Given on my profile page
17/07/2020
13:20:05 hari om 1 1 in participatory note we bring money from outside Not the same thing.
india and in masala bond we bring money from
outside so both are same thing ? P-notes walla may buy shares also.
whereas Masala bond is only bond. no shares.
1st doubt-
In the recently concluded test I got 39/40 only one

question I did wrong coz I did a silly mistake of
misreading a directive wherein the question I believe the user name is Ignorant bloke. I think I have spotted that
demanded incorrect answer , I marked the correct name in the live classes quiz also. you are doing reasonably well for
one.. In this backdrop I have certain doubts with someone who just started preparation in first attempt. In the initial
myself which I can't been able to solve - phase yes whether it is geography polity economy things will
appear odd and mentally excruciating. But with frequent revision
these things will become as easy as breathing oxygen. for further
Inspite of getting good marks and reading the Answer for 1st doubt refer:
handouts.. I m experiencing that I am not able to
recall anything, if I try to remember the economy
related topics taught by u, in my free time. But once I
Scroll Down in PDF → FAQ: Mock → Weekly Economy Test
am seeing the statements of the questions while
giving mcq weekly mock, by intuition I can mark the
odd one out.. What can be the possible reasons for
this? Will this problem of nt being able to recollect
and streamline concepts, hamper my mains writing
?? I believe it will hamper. Hence I would be obliged Answer for 2nd doubt:
to u if u suggest a solution..
unlisted public company can go for pvt placement to qualified
institutional buyers like LIC/Mutual fund etc.
17/07/2020
14:01:15 Ignorant 1 1 2nd Doubt-
Without getting itself listed in stock exchange , how

can unlisted public company capital through public
sir???
Thank you Sir ji
Praanam
Sir please provide all notes at a time so that we can

print all notes at one time. We don't have to go to
17/07/2020 print center again and again. Actually reading notes
16:25:25 Sourav Sahoo 1 8 in soft-copy mode very uncomfortable. Ans. scrolldown in PDF → FAQ → Handout
17/07/2020 Latest handout has sequencing error. Page number

16:38:34 Harsh Verma 1 1 error and index. yes, reuploaded.
Respected Sir,
We are blessed to learn from you, you have made

- Commodity trading is basically real or virtual reciept
economics easy and compact. The way you correlate
bought by you.
incident and concepts with contemporary meme
template is exemplary. - you can show it to some warehouse manager and he will
give you delivery of the product. or you can trade it to third
Sir, I have a query about commodity market/trading
party.
at commodity market. As we buy stock/share, we
buy a smallest unit/part of ownership of the - It is not giving the ownership of the company but
17/07/2020 company; how trading at commodity market takes ownership of the particular commodity like 1000
17:25:53 Purabi 1 1 place? Just for general understanding, ARE THEY kilograms of wheat or hundred barrels of oil
REAL OR VIRTUAL? How trades executed? Traders
buy commodity or something else...
Thank you for consideration of my query.
Sir Does Dabba Trading/ bucketing means the broker

will buy the share when the price of share falls and
earn profit of ( money he took from Investor - the
price of shares) ??
- bucketing / dabba trading means he (broker) is not
executing the trades in the Demat account but in his
17/07/2020 personal diary which is known as the dabba. So it is like his
19:55:49 Srishti Singh 1 1 Thank you sir parallel e running his own Gambling type of thing
Respected Sir
I have two doubts:
1. In answer writing, I am not able to be consistent. 1. Ans. Scrolldown in PDF → FAQ: Mock → Mains Answer
Would you suggest that before attempting the
Writing → when to start
answers I read the relevant handout after reading the
question, and then answer it? Currently, I read the
question then attempt the answer the next day
without any revision. But then I am unable to
2. Ans. scrolldown in PDF → FAQ: Economy Doubts →
recollect good points in 12 minutes time let alone
write full answers in time. General→ Too many lectures/unable to find time/Time
17/07/2020 Udayaditya
19:57:06 Singh 1 8 management
2. I am lagging behind the live classes by almost two

weeks. I tried to cope up but in one day I am unable
to watch more than one class and revise from
handouts because I feel watching 2 classes back to
back and revising both from the handout in one day
will not allow me to remember it effectively. Please
tell me if it will be beneficial for me to watch two
classes in one day, or any other strategy because I
wish to attend your live classes.
Thank You
How many census questions will come from census in a given

prelim exam?
not more than one.

sir as the census will chnge for 2021 so all ncert data
will get outdated so.. how to deal with the census So one should invest the time accordingly. Focusing mainly on the
related data question in 2021 prelims ..do i hve to most highlighted parts of the latest report from newspaper and
17/07/2020 prepare them as per the new census 2021..or ncert press statements. Census report is not the Constitution of
20:04:16 vaishnavi singh 1 8 previous data is likely to asked in exam India/polity where we have to invest 50 hrs.
sir as the census will chnge for 2021 so all ncert data
will get outdated so.. how to deal with the census
related data question in 2021 prelims ..do i hve to
17/07/2020 prepare them as per the new census 2021..or ncert
20:04:32 vaishnavi singh 1 8 previous data is likely to asked in exam replied in previous cell
muskan khare 1 8 SIR , is it advisable to pursue masters in my optional 2021 prelim exam is likely to be in Jun/July 2021. That means you
17/07/2020 (psir) along with my prep for 2021.I m a beginner my have almost an entire year to prepare for it. If you go for Masters in
20:58:53 graduation exams are still not over due to cororna Political Science, then also I believe it is manageable. Because
crisis .or shall Ifocus 100 % on my 2021 attempt? whether you go for distance learning or on campus type of
M.A.political science course I think none of the colleges have that
much strict rules about daily attendance in the classroom. and by
reading few of the book/topics one can easily get first
class/distinctions in such MA courses.
For all the listed PSUs, Government will strive for

minimum 25% public shareholding. but but does not
reduce its shareholding
17/07/2020 below 51%. If Govt’s shareholding reduced below If Govt’s shareholding reduced below 51%, then it is called
21:05:17 pratik samant 1 1 51%, then it is called Privatization Privatization= yes.
Greetings, I have been following your offline classes

and really getting the best way ever than during my
school days and graduation by your efforts put in - 2021 prelim exam could be be in Jun/July 2021. That
PPT and techniques telling differently in immersive means you have almost an entire year to prepare for it.
way. I have planned for appearing in next year i.e There is no need to binge watch things. Prepare them at
2021 and already wasted a lot of time since 2018 Dec your own pace. But with some quantifiable targets like
thought to go for this exam but never initiated to within next 4-6-8 months I will finish this much syllabus.
study and procrastinated even when taken the
- Self discipline is required. If you see the scores in the
subscription. Only I can overcome my this habit by
weekly quiz nearly 200 candidates are always securing
myself I know but I need your advice that how do I
around 35/40 correct. And also within live classroom quiz,
complete whole syllabus by now as I have been
40-60% students give correct answers to all MCQs. So if
waking whole night and binge watching your
others can do it you can also do it. the only requirement is
sessions... I have got cervical pain also and gained
self discipline.
during quarantine.. my schedule is totally ruined and
I saw your first lesson described all the things. But so
- for more: Ans. scrolldown in PDF → FAQ → Gen Qs on
17/07/2020 much complications we people have created even in
21:27:27 deservingdesire 1 8 the easiest way that it seems so tough...I need your UPSC → unable to focus in studies/ unable to remember
guidance about time management for all and
completing of syllabus as well as how do I revise with

your handouts as I got some difficulties in REPO
slides though watched many times...is it important to
devote more quality than quantity for instance
completing some chapters with good understanding
than completing syllabus early. thanks sir
Major organisations' full forms names need to be remembered.

sir....there are many short terms.. sometime it doesnt Rule of thumb is if you spot the name of the same organisation or
directly click as what the ques. is talking about so do i scheme multple times in handout or tv news or newspaper then
17/07/2020 hve to remeber all terms or which u hve told in class you should remember its full form. e.g. NITI, SEBI, NPCi, IBBI,
21:46:01 vaishnavi singh 1 8 like NPCI only that were needed to be remember... IRDAI, PFRDA, FATF etc.
1.What is the meaning when we say loan is default?

After 90 days it defaults or 1 day late then also its
called a default?I mean what is the deference 1. Loan default is a General term used for saying that a
between default and NPA? borrower has not been repaid in the principal or interest
on the due date. It is further classified into SMA-0 onwards
2. Sir for other subjects also we need not make our depending on how late it is.
own Current affairs notes?For Which subjects do we
have to make CA notes?Please guide since other 2. Ans. scrolldown in PDF → FAQ → Gen Qs on UPSC →
17/07/2020 teachers on Unacademy dont guide,only passive
21:57:10 BHUSHAN JAIN 1 1 teaching is there! Doubts about notes making
Respected Sir, Good Evening. Sir, the Handout that

was uploaded on July-11
EF1C_HDT_SEBI_SHAREMARKET_PCB1) has page
numbers ranging from 118 to 147 with index - Handout with correct pagenumber has been uploaded with
17/07/2020 numbers 15 (15.1 to 15.15). The next handout new name:
22:09:40 Haridhar 1 8 uploaded on July17 "EF1D_HDT_Insur_Pension_PCB1_PGNUM_CORRECT.pdf"
(EF1D_HDT_Insurance_Pension_PCB1) has page
numbers 119 to 154 with index numbers 15 to 17.7.

But the previous one dealt with SEBI/Share Market
while the later one dealt with Insurance pension and
financial Inclusion. Is the latest handout an updated
one to the previous one? Sorry to bring to your
notice, sir. If I am wrong, I beg you to pardon me, sir.
17/07/2020 Are PSB like PNB, CANARA BANK, etc statuary

22:15:05 jhanlesh 1 1 company or registered company like IPPB?? - registered companies like IPPB.
How badly is insurance sector hit due to the covid - We have to wait for the next economic survey 2021 to
17/07/2020 crisis and how does it deal with other such learn about it. No need for separately searching the answer
22:15:11 Priyanka Jha+ 2 4 pandemics and natural disasters ? until that is published.
Q1) Sir why companies need to register in companies

act like if unacademy , vajiram doesnt register to 1. If you are not registered as a company then it becomes
companies act then what ??is there any criteria like difficult to issue shares and bonds in future or even get
there are many small firms near me are all these bank loans approved. secondly, companies get lot of tax
registred in companies act? benefits in the name of depreciation/startup etc, compared
to an individual person's shop. so once your income is
Q2)If i open a company and i want to sell my shares beyond certain crores, It makes more sense to get
and bonds in BSE NSE then is there any special registered as a company so you can claim those tax benefit.
criteria for listing my company there? How ?Not a button for the scope of exam we are not here
for Becoming chartered accountant
Q3) can a private limited company be public sector
company ??like if any company which is registered in 2. BSE officials will check your records and decide that.
17/07/2020 private limited company and have more then 50%
22:36:58 vikas yadav 1 1 shares of government? 3. Yes there are some companies like that.
Sir I'm new on unacadmey.
In one of your vedio you told that upsc ask questions

from current affairs of last two years .
I'm preparing for 2022 .
Can you please guide me how should I do current

affairs from upsc perspective?
And I'm just starting my preparation and I have read

basic ncrts one time .
Please guide me further about the subject which I

should start first .
I have decided political science as my optional.

2022 = at minimum you shd be aware of developments since
1/1/2020.
regarding answers to your other questions → scrolldown in PDF

17/07/2020
22:39:58 Smriti kukreti 1 8 Thank you sir for spending for precious time . → FAQ → Gen Qs on UPSC
Sir
17/07/2020
22:54:24 H Waquif 1 1 Is MGNREGA covered under ESIC? no. Two things are separate
Welcome to my course at Unacademy Plus! For answer to your

sir mai apka previous course dekh rhi hu prelim question, plz scroll down in this PDF → FAQ: Economy Doubts →
17/07/2020 2020 wala . mai 2020 attempt karugi mujhe koun sa
23:05:00 monica rajput 1 1 course karna chahia is this relevent for 2020 Prelims?
Already attended previous course... as economics is

more of current oriented, will this course be
completely different from the previous one.. as new Always good to hear from previous batch students! I hope you're
additions have took place in the economics amid in good health and spirits. The answer to your question:
17/07/2020 Ravi teja COVID-19... please do answer will the previous one
23:16:42 Dhamma 2 1 suffice ? scrolldown in PDF → FAQ: Admission → Previous Batch Student
1. SEBI does not regulate private sector banks. it is under RBI

regulatory power
1. why sebi not private sector bank
2. All company have to register there. new and old both
2. mca 21 me old company bhi hotih kya register
17/07/2020 3. Because term life premiums are much cheaper compared
23:36:52 aditi mehta 1 1 3. why do even ppl enroll for term insurance , to whole life / endowment policy.
18_JULY_2020
18/07/2020 given the Insolvency and Bankruptcy Board of India (IBBI)

00:57:48 Vipul Agrahari 1 1 Sir what is IPA status? topic in 1B2 handout.
Ans. scrolldown in PDF → FAQ: Economy Doubts →

Specific → Fintech/Startup/Loans Model
18/07/2020 Sir, how NBFC like Bajaj Finserv earns profit by giving credit
01:18:51 Shubha Roy 1 1 to customers at 0% EMI.
1 1 IDBI was considered privatized when majority shares were because RBI has declared IDBI to be Classified as private
18/07/2020 sanjana bought by LIC , whereas LIC per se is wholly owned by govt sector bank So we have to accept it and move to the next
07:51:33 lakshminarayana corporation, needed clarification on that sir. topic
thanks in advance!!
I am not downloading ppt for self study as well as it guide to

me to understand. Ans. scrolldown in PDF → FAQ → Handout → How to
18/07/2020 Md Shahnawaz
09:08:03 akthar 1 9 So what will I do. download the PowerPoint?
Sir I started my serious preparation for UPSC civil services

2021 in from start of May15 2020 but due to Corona
symptoms I have to be in quarantine and various problems
related to this hence my all schedule Got disturb , sir I have
lose literally one month due to this now I am going to resume
my serious preparation from Monday so sir I want to ask you
how should I adjust this schedule so that I can prepare for
UPSC civil services for 2021 and complete syllabus on time
Means-
1 How many days I should give for poltiy ??

- 2021 prelim exam could be be in Jun/July 2021.
2.how many days I should give for economy ?? That means you have almost an entire year to
prepare for it. There is no need to binge watch
3How many day I should give for geography ?
things. Prepare them at your own pace. But with
4How many days I should give for history ? some quantifiable targets like within next 4-6-8
months I will finish this much syllabus.
5.How many days for disaster management environment
science and various other subjects - for more on this Ans. scrolldown in PDF → FAQ →
18/07/2020
09:33:25 Donald-trump01 1 8 5How many days I should give for optional? Gen Qs on UPSC
And what should be the last date to complete my whole

syllabus
Sir please upload ppts of L17 & L18. - ppt uploaded.

18/07/2020 Sandeep kumar
09:50:02 aryan 1 1 Also page numbers of 1D handouts are similar to 1C. - correct page number pdf also uploaded
those mind maps are made for persons who have already
finished the syllabus from the standard reference books of
sir please explain how to read gujarati literature optional Gujarati literature.
material in mrunal.org pls sir usme jo chart type he use kese
18/07/2020 padhna he usko ke se padhe sir i have already installed further see https://mrunal.org/2020/07/download-
10:14:30 dinesh rathod 2 8 software and all file.but not understand. gujarati-literature-notes-ias-tejas-parmar.html
Greetings Sir. My doubt is, What is meant when USA says it

will impose sanctions? I know that imposing sanctions will
make it difficult for other countries to enjoy seamless trade,
but what does the word "Sanctions" mean actually in terms
of trade. And how can USA Sanctions affect when India
- sanctions= USA will not allow that country's
imports oil from IRAN or Venezuela.
companies to do trading or business / import /
Satyam Jha Regards, export investment with American companies. Then
18/07/2020 (@SatyamJha- USA may also opposed the IMF/world bank loans
10:53:54 238-4040) 1 3 Satyam Jha being given to that country and so on.
Hi sir, I have started my preparation a month ago and I was

targeting for the 2021 exam but recently I went through the
notification of 2020 and noticed the age criteria, so as per the
calculation this year they mentioned not after 1 august 1999,
so next year it would be 2000 but my DOB is may 2001 .... so
my question is ....Is age criteria flexible in case of general in UPSC CSE exam, Age is counted on the 1st August of the
18/07/2020 category and will I be eligible for next year as my graduation given year. person must be minimum 21 years on that
11:45:27 MAYANK KARKI 1 8 also getting completed next year particular date.
Hello sir,my question is Since first nationalisation of bank

18/07/2020 was done in 1948-49 of RBI then why is it counted from the Because it looks fancy to say "50 years" at that time and grab
13:33:48 Poonam Bharti 1 1 year 1969 when 14 banks were collectively nationalised?? media limelight.
sir you said pvt ltd company cannot issue share whereas
public limited company can issue share.....but reliance is
mentioned on google as reliance industries ltd it means it is
18/07/2020 not registered as public company then how it is issuing check their companies "about us" webpage they would have
13:40:58 hari om 1 1 shares. mentioned the full registered name.
18/07/2020 Sir is PMJJBY and PMSBY replaced by PM JAY now? As both

13:47:47 Vipul Agrahari 1 1 the schemes are for poor people... no. All three are three different schemes
Sir, You said that Narsimham Committee was first

incorporated in 1991 but at the same time you said that RRB Ans. scrolldown in PDF → FAQ: Economy Doubts →
18/07/2020 Bhupendra Act 1976 was passed on the recommendations of Narsimham
15:26:47 Singh Rathore 1 1 Committee. Please Clarify this? Specific → Narsimham
18/07/2020 Hello Sir what is difference between company, corporate, Not important for the scope of GS-economy of UPSC exam
15:39:25 Shivamppu 1 1 corporation... you can look it up in the accountancy books/google search.
Greetings,
Sir even though it is seems to be very unlikely that a person Nowadays in any scheme they ask person to give Aadhar
would claim PM Surkasha Bima Yojana twice, but is it card number and using that they remove the duplicate
18/07/2020 possible?Similarly can a person have various claims under accounts in govt schemes if the scheme says "One person can
15:50:32 Trisha Mehra 1 1 ESIC or are there any restrictions? only enroll single time".
Although I am following Do's and Dont's you have taught,

Most of the below areas you keep addressing now and then,
Q1 to 3
Still if there is anything that I can practise, or I am missing
please advice : - It requires a certain amount of supplementary
reading/knowledge before a person has enough
content to do the mains answer writing in proper
1)while attempting questions even though I know the manner. It will come to you but you will have to read
content, I am not able to put it on paper properly (link things various topics for a period of time and finished a
from different areas) I end up writing steps from a particular significant portion of syllabus.
area only, How to work on this ?
- For more , plz scroll down in this PDF → FAQ:
Mock → Mains Answer Writing.

2) of the questions so far discussed I observe that i am not
able to explain the cause- effect things of different Q4:
policies/steps . eg. easy loans/ prod/more jobs/economic
You can use one book as your base material and then
growth; I am not able to put this correlation in the answers
prepare the auxiliary things from PowerPoint / PDF /
supplementary books etc.
(I don't follow "Pipudi" ideology) Only write answers when No need to you make your own exclusive notes on such GS-
given by the faculty. subjects. You will run out of time and energy just revise
often. Maximum you may prepare an excel sheet containing
18/07/2020 list of topics that you have to refer to a given book page or
17:03:47 Murtaza Ronaq 1 1 PowerPoint
3)I face same issues in my optional also, I know things, there
is too much content sometimes, don't know how and what to

exclude,
and then end up writing this person said this , this is the fact,
always lack the correlation .
4) One last thing, Like you always say 3-4 readings sincerely
is enough
Polity/History - how to do these?
How to compile Polity/ History content like you have done

for Economy : All Topics + Mains fodder - Conclusion
Either the educators limit with the ppts / all the discussion in
video, keep watching video - waste of time
OR, like in history -> written huge details about the topics,
like a book
Thankyou sir,
sir aap please apne update wale handout (win20 series) me Some of the those CDS questions are debatable and therefore
last years updated questions ( CDS etc) bhi rakhiega, jo last I've not have not added them in the the handout until UPSC
pillar1 and pillar 2 ke current updated handout me nhi h. declares its official answer key. kyoki faaltu mein 50 log
Please it is a humble request. Ye wo hi questions h jo purane "you're wrong, this is the right answer" type ki google querry
18/07/2020 2019 batch ke handout me nhi h lekin abhi ke new courses maarke meraa hi time waste krte hai. So I am waiting for the
17:39:00 Jonty Singh 1 8 me h. official answerkey.
From Whenever And from wherever the security is

18/07/2020 When rbi issue gsec through e-kuber platform,will that be purchased for the first time it is primary market. so, the
17:42:57 Beast 1 1 considered as primary market? answer to your question is yes
- the things which are being done on E-kuber-walli =

fall under RBI.
- SEBI may issue some order if the participant is

under its regulation for example mutual funds who
are investing into government securities.
- but if EPFO/LIC buying G-sec on E-kuber, SEBI can't

say anything. whereas RBI may say something e.g.
18/07/2020 "minimum order size must be "X" crores on E-
17:43:55 Beast 1 1 Does sebi regulate the trade of security through e-kuber? kuber".
Sir, I am 2021 aspirant. Have taken plus but little late so

unable to attend your live lectures. Apologies for asking this
question amidst main topic. But I needed little guidance on
optional.
I am biomedical engineer+MBA: now there is no direct engi.

Subject for me to choose, we have management (but it will
add unnecessary burden of an extra subject). So short listed
on geography/ history. I really enjoy & understand history
better.
18/07/2020
17:52:47 Tanvi Parmar 1 8 1) will it be a good choice? Ans. scrolldown in PDF → FAQ: Optional subject doubts.
2) if and when I get through main..will it be taken as negative

choice during interview ?
3) can you please provide me book list (from optional point

of view as standard books I am aware of)
Your guidance during the lecture is really helping a lot to

plan and focus well. Thank you.
Every organisation comes under the competition

18/07/2020 Sir npci comes in the jurisdiction of competition commission commission of India's investigation when/if CCI feels there is
17:59:51 Nikunj 1 1 of India? a case of monopoly/cartelization.
I watch your recorded sessions next day and read from

handouts provided. But I am lagging behind in reading Ans. scrolldown in PDF → FAQ: Economy Doubts →
18/07/2020 handouts. I am not able to retain the concepts and terms.
18:16:46 iasarpitverma 1 8 Sometimes I find it boring. Please help General→ unable to focus in studies/ unable to remember
18/07/2020
18:42:47 Brock 1 1 Can an ipo be traded in stock exchange yes.
18/07/2020 do you have any book of yours in the market with model
21:12:43 Archit 1 8 answers of pyq GS 3? not yet.

18/07/2020
21:40:40 Nitish Kumar 1 9 Sir I am student of BA -1 Book list economy ka batayiye General
Sir, we have seen RBI regulates all Banks, NBFCs and has
18/07/2020 many powers under the banking Act. Which body regulates
22:40:32 Anirup 1 1 or inspects RBI in case of any corruption or scam in itself? Government itself. particularly the finance ministry.
Hello sir,
1.Pension scheme is only for government/private employees 1. NPS = Eligibility conditions are given in handout 1D
or any individual?
2. In such case family is given the option to withdraw
18/07/2020 Omkar Satish 2. If the premium paye is dies before the retirement age then the money with interest and or continue the scheme
22:56:09 Ingavale 1 1 it is benefited his family or not? by paying the remaining installments of premium.
It requires certain amount of supplementary

reading/knowledge before a person has enough content to
do the mains answer writing in proper manner. It will come
Sir,It's been 4 months since I started the preparation and I to you but you will have to read various topics for a period of
am able to follow the courses. I write the answers to the time and finished a significant portion of syllabus.
questions given by you.But even though I have the content
and knowledge about the same, iam not able to consolidate it For more , plz scroll down in this PDF → FAQ: Mock →
18/07/2020 APARNA in 250 words that too in a limited time.Kindly suggest in this
23:36:06 PANDEY 1 8 regard Mains Answer Writing.
19_JULY_2020
Sajith 1 1 Sir, In Pillar 1c SEBI, what is the difference between badla future / forward
19/07/2020 system/carry forward system (discontinued by sebi) and
00:00:32 forward/future contracts?? - 1/1/2020 we sign a deal to deliver shares on

31/5/2020. then on that particular day
(31/5) one Party gives the share and other
party pays the money within 2 working
days. (=T+2 system).
- badla= no such things. only fooling

investors.
Sir i am preparing from 2019 September..i covered the static

19/07/2020 portion.now i want read 2nd Arc Report ..please help sir how You don't have to read it fully, unless public
00:02:51 Raj Kumar Nath 1 8 to read ARC report and what to Read?? administration is your optional subject
This depends on the financial situation and family

support for preparation of UPSC versus the need to
become Financially independent.
Sir, I am currently at final year of my B.Tech and in my college
after the lock-down placements will start. So should I prepare
19/07/2020 for the placement for backup or completely ignore it and just
00:17:09 Shubho Roy 1 8 focus on upsc preparation only? I wish you the best of luck in both the Alternatives
thank you sir i have never attended such updated course . I do

not have any doubt in economy but sir international relations
ans= https://mrunal.org/2020/07/daily-thehindu-
is a huge issue for me because there are lot of articles and
current-affairs-upsc.html
editorials on single issue if i follow a daily news analysis it
creates dependence. I have just started and haven no
background information of issues can you please suggest
something . Also sir i read newspaper daily but there is always for more, scrolldown in PDF → FAQ: Economy
19/07/2020 a feeling that i am missing out something is this normal ? or i
00:27:53 HIMANSHU SINGH 1 8 should look for something else please suggest sir Doubts → General
Sir my doubt is regarding Finance ministry's Project Sashakt &

RBI's Prudential Framework guideline. Project Sashakt states
to resolve NPA, banks themselves should workout ICA for
loans upto 500 crore without approaching IP and RBI
guidelines says henceforth I&B code should be the main tool, Ans. scrolldown in PDF → FAQ: Economy Doubts
19/07/2020 where banks have to approach IP. It seems contradictory.
01:37:39 Priya Sarkar 1 1 Please enlighten. → Specific: moral outrage.
1. Sir as you said,I will be studying only from your handout, sir
but what is the utility of Sanjiv Verma and Ramesh Singh in
prelims and mains?
2 And apke handout are sufficient na? For basic understanding 1. Economy → Doubts → General → Should I buy /
of both prelims and mains?
read Ramesh Singh / Sanjiv Verma or not?
2. same as above.
3. Thank you sir aap ke badhane ka tarika amazing hai. 3.Thank you for your compliments and kind words!
19/07/2020 4. Sir sorry but comments section me bhot issues hote hai bhot 4. plz scroll down FAQ: Live Class → Other Misc.
01:40:31 Kakarrot 1 1 distract karte hai sir please help!! queries→ Chat box / comment box nuisance
Sir! Thank you for making Economy so easy to comprehend

and remember.
My doubt is wrt mains answer writing practise.
Things I do:
1. I am religiously writing all the ques that you give.
2 I even attempt two ethics case study a week from mrunal.org.
Problem:
It requires certain amount of supplementary
content to do the mains answer writing in proper
1. During the answer discussion, my points match to the manner. It will come to you but you will have to read
general pointers that you discuss but the keywords/ phrases / various topics for a period of time and finished a
language of saying things is very callous/haphazard. significant portion of syllabus.
For more , plz scroll down in this PDF → FAQ:

2. I am very hesitant of showing my answer/case studies to Mock → Mains Answer Writing.
19/07/2020 anyone for correction so please guide me how to better my
05:04:46 Pranav Singh 4 7 answer structure and answer quality better!
Saurabh 17 not required to study it.

19/07/2020 Sir prs annually compilation around 150 pages is useful in
06:39:55 exam ?
through Win20 CSP series and Win21 CSP series. for

the conceptual idea behind it, watch this:
19/07/2020 sir your course will be finished by september , how we will get
08:00:59 dheeraj singh 1 8 updates after sept? https://www.youtube.com/watch?v=HreP1dspaQQ
Fixed benefit?? But every subscriber is not going to fall ill. So as per
19/07/2020 the laws of probability the insurance company will
08:33:51 Narendra bora 1 1 Patient spend 10 lakh still company pay 50 lakh make profit
19/07/2020 Sir what is cost push and demand pull inflation which I came we'll learn that in pillar#4. presently we are at
09:28:55 SHILPI SINGH 1 1 across in insights test ? pillar#1.
Sir in handout sometimes it is mentioned like (Full) Budget.

19/07/2020 What is meant by this Full sir? Some are only Budget what is we'll learn that in pillar#2. presently we are at
09:32:59 Raina Chanu 1 1 the Difference ? Sir this is my first time learning economics. pillar#1.
Hi Sir,
Good to know about your progress.
i am watching your recording lectures because of internet

issues to attend live classes. It requires certain amount of supplementary
After watching classes and reading Handouts - i am getting content to do the mains answer writing in proper
confidence and solving most of the MCQs correctly. manner. It will come to you but you will have to read
various topics for a period of time and finished a
beginning most of the questions went wrongly but later on
significant portion of syllabus.
19/07/2020 improving and now i am able to solve 75% answers correctly
10:00:17 shiva krishna 1 1 in economy portion.
For more , plz scroll down in this PDF → FAQ:
but issue - i am not able to write the answers if i attempt to Mock → Mains Answer Writing.
write also that is exactly opposite of the answers which we
discussed in the class.
how can i improve this kind of situations.?
and most of the words am not able to write but in MCQs those
points are there so i am recollecting but in answer writing
those words i am not able to recollect at that time. ?
Thanks,
Sir, i have 2 doubts,
1) in this epic pendamic, where there is economic slowdown

1. Because some people consider it safe
and demand for goods is decreasing then why the price of gold
investment compared to share market or
is increasing constantly.
bond market where the companies may be
2) what is the main source of income for insurance companies. collapsing And unable to generate good
Public money and interest rates on G sec, shares and bonds return or repay principal
seems insufficient to make claims to insurers.
2. every subscriber is not going to fall ill/die at
Thank you, sir for your continuous efforts in teaching. The the same time. So as per the laws of
efforts you are putting in teaching is just incomparable. Will probability the insurance company will
make maximum output from it. make profit
19/07/2020
10:10:22 Parth Joshi 1 1 Huge respect from BK, Gujarat. Thank you for your compliments and kind words!
19/07/2020 why is importance of fasal bima certificate for farmers in PM Previously they had to show it for getting bank loan
10:53:36 Somya Solanki 1 1 Fasal bima yojana (2016)? approval
Agriculture ministry looks after the paying of the

IRDAI regulates all the insurance companies in India but union portion of the premium money e to the
schemes like Pradhan Mantri Fasal Bima Yojana fall under Min. insurance company.
19/07/2020 of Agri. Does this mean it is jointly regulated by both ? I am a
10:55:42 Anirudh (@Ani848) 1 1 little confused with these kinds of insurance. overall regulation stays with IRDAI.
Sir , I hear Something about Spipa Audio lecture for gujarati

literature , sir you can help to provide such audio on your
website or any other platform.
19/07/2020 You will have to look it up in some Telegram groups
11:26:36 NareshSosa45 1 8 Thanks you sir formed by those SPIPA students.
Namaste Sir ji
AAP BOHOT MEHNAT KARTE HAI , HUM STUDENTS K LIYE ,

USKE LIYE DIL SE BOHOT BOHOT THANK YOU..
SIR QUESTION IS -
operation twist me rbi jo G-SEC khareed leti hai( assume long

term wale ). market me corporate bond ko promote karne k
liye , kya wo maturity period k pehle khareed leti hai , ki Thank you for your compliments and kind words!
maturity par khareedati hai .
19/07/2020 maturity period se pahele. just like how Jethalal

11:34:25 Mayank anand 21 bought from Master Bhide in our PPT example
And so much thank you sir ji for answering me every time...
Underwriter is a term used for Share issuing.
RBI is not issuing shares for the government.
However if someone drag the argument under the

logic if G-sec are not purchased by outsiders then RBI
19/07/2020 will purchase them = then within that limited sense
11:49:37 Rajasekhar Reddy 2 1 Sir....Is RBI underwriter for govt RBI may be called an underwriter.
Ans. scrolldown in PDF → FAQ: Economy Doubts
→ Specific → Operational aspects of

19/07/2020
11:52:29 Rajasekhar Reddy 2 1 Sir....Does RBI take any fees from govt for issuing gsecs t bills economy/org/law
Sir in the Question Of Corporate Governance which you gave

for Ans Writing this week . i actually thought that question of
asking- "what are the benefits of corporate Governance for our
19/07/2020 economy?" so i wrote points like 1) resolving internal conflicts those are also reasonable and good points. no harm
12:07:48 Shrirup Ghosh 1 1 2) reviving public confidence and investor support 3) in mentioning.
achieving greater social goals like sustainable development etc,
4) Restricting dominance of large investors by appointing

independent directors 5) increasing administrative efficiency
by improving accountability, transparency etc ans so on.....
Sir have i too much deviated from the expectations of the

question??
19/07/2020 SIR, While writing answer do I need to stick to one aspect of Depends on the word limit and nature of the
12:27:53 MEDHA KUMARI 3 1 my answer(positive or negative) ? question
Namaste Sir ji ..
Sir Repo rate kai baar vedio me dekha fir bhi confuse ho rha hu
..
Sir please ek baar single line me , simple and aasan words me

repo rate bta dijiyega please......
- RBI lends money for the short-term to its

clients
Thank you sir ji for answering me.......
19/07/2020 - clients pledge their Government Security as
13:10:15 Mayank anand 21 collateral.
Hello Sir
19/07/2020 I Am Physically Handicapped.How Many Minimum Number You can clear it in the first attempt itself, provided
14:27:17 Prince Sharma 1 8 Required To Clear Cut Off Of Prelims And Mains For Me. that you study sincerely.
Sir while giving interview in English language can I speak in It is not necessary to speak Shashi Tharoor level
Hindi English mix as I am not very much fluent in English fluent English but at the same time
19/07/2020 ???...Also I am going to give mains in English language and my
14:53:20 Ankit yadav 1 1 whole preparation is in english Excessive word of Hindi should be avoided

Q1) sir I am not able to memorise the full forms bcoz they are → general → Do i've to remember the full form of all
19/07/2020 too much in quantity ......So what types of full form we have to
14:54:48 Ankit yadav 1 1 focus on ?? organizations and schemes?

19/07/2020
14:59:18 mitali 1 1 how to calculate NDTD economy/org/law

19/07/2020
15:06:36 Roop kumar Mahanthi 1 1 sir, will there be any tax on the insurance claimed? economy/org/law
As I joined later this query is of previous segment
Q- As we see that the weak banks are merged with the bigger
banks , so their stressed assets are also transferred to the
19/07/2020 bigger banks, can we say that this merging is also a factor of It could depend on the strength of the balance sheet
15:40:22 Rajat Manohar 1 1 loss or low growth of bigger banks? of the bank which is being merged
PS. big fan of your teaching
sir
1. If the conditions for ESIC are being fulfilled
compulsory ESIC required for construction worker? then yes.
2. if you mean within a single year, january

illness = 2 lakh then again june second time
In health insurance policy if policy's maximum coverage is 5 fallen ill = 3 lakh bill. yes can claim. but then
lakh, and a person' having health insurance avail 2lakh only( if again fallen ill third time Within same year
19/07/2020 Actual expenditure for treatment is 2 lakh), then can he avail then he cannot claim because already he has
17:11:05 ajay yadav 1 1 again till maximum limit. exhausted the 5 lakh quota.
sir
compulsory ESIC required for construction worker?
In health insurance policy if policy's maximum coverage is 5

lakh, and a person' having health insurance avail 2lakh only(
19/07/2020 Actual expenditure for treatment is 2 lakh), then can he avail
17:11:58 ajay yadav 1 1 again till maximum limit. replied in previous cell
sir
compulsory ESIC required for construction worker?

19/07/2020
17:12:09 ajay yadav 11 replied in previous cell
In health insurance policy if policy's maximum coverage is 5

lakh, and a person' having health insurance avail 2lakh only(
Actual expenditure for treatment is 2 lakh), then can he avail
again till maximum limit.
19/07/2020
17:13:34 Ajay yadav 1 1 Indemnity Type health insurance Explain in the lecture
1. ETF tells u in advance these are shares i've

in my portfolio . MF-wall may keep
buying/selling the shares Depending on the
price movement, so his portfolio will keep
changing.
Q1) Sir, what is the basic difference b/w mutual funds and
ETF? can any private company like reliance issue there ETF? 2. Because of individual government company
shares or bonds are issued in the market
Q2) Sir, why goernment issued ETF, like in bharat bond (2019) they may not be fully subscribed because all
why didnt they issue simple bonds like any other company(by government companies are not equally
the help of any fund manager)? what is so special about ETF? famous
Q3) Sir as we can sell our bonds further in ETF in NSE or BSE 3. You can sell the bonds on secondary market.
19/07/2020 can we do same in mutual bonds and the bonds that we BSE may offer different platforms for that.
17:25:47 vikas yadav 1 1 directly purchase of any company? it'll not relfect in SENSEX
Sir, in page No-160 of handout, fund sharing of PM-JAY for J&K,

in table given it is 60:40, as per normal state, but below it is
mentioned "Hill Union Territory" a special category will
receive fund in 90:10 ratio. It was explained in the sequence of event how the
19/07/2020 scene was before 370 removal and after removal of
19:11:03 manish 1 1 Also in class you mentioned as 60:40 ratio. art 370.
Please suggest.
Thank You
Good evening sir
Sir in pension schemes if the person dies, his wife is eligible for
pension.
19/07/2020 Is this applicable in case of woman also , If she dies is her yes, if wife bought separate pension policy in her
19:13:09 Aakanksha 1 1 husband eligible for pension? name.
- exporter's premium/fees goes to ECGC. if
he defaults on bank loan → ECGC covers
the loss of bank.
- However, for administrative convenience,

exporters need not goto ECGC office
themselves. He can get the application form
from the bank also.
Sir in nirvik scheme exporter pays premium to ecgc and then it - Just like how poor man can get the
19/07/2020 pays to bank or it is reverse as on page 163 in handout reverse application forms for Atal Pension Yojana,
19:41:44 Himanshu Singh 1 1 is given that is exporter pays to bank then bank gives to ecgc PM Jeevan Jyoti Bima etc from a bank.
Sir , In last question of pillar 1B2 handout (Q. why are indian
financial regulator apprehensive about- p note ) is there no
19/07/2020 need to write a wayforward /solution of this after explaining Solution is not asked. The question is only asking
20:15:55 Naushad 1 1 the problems ? you that why they are afraid
Good evening sir, In PMFBY it was given that it will protect

against natural calamities BEFORE, DURING AND AFTER
HARVEST (in slide 32 of july 18th lecture).... But in prelims
2016 a statement was given that scheme covers POST
HARVEST losses due to natural calamities(42nd slide).... This
statement is considered to be correct because they didn't
mention "ONLY" POST HARVEST in the statement? But sir.. in
some other questions given in prelims where similar kind of
statements were given and similar statements were
considered wrong because it can perform other functions too...
Similar statements but contrasting answer keys given by - It ultimately depends on the discretion of
UPSC... How to tackle such questions sir? Or.. Is it like Im doing the examiner.
birbal ki khichdi thinking? Thank u sir... I had zero knowledge
earlier regarding economy.. but know i can understand - So you have to tick what you feel is right and
19/07/2020 majority of things given in newspaper... Thank u so much for then pray to God that your wavelength
21:01:20 Indraneel 1 1 such teaching sir... matches the wavelength of the examiner
19/07/2020
21:02:04 Rahul Maurya 1 1 how does overnight repo rate works ? - it's basically borrowing for 1 day.
Sir...
1. My optional subject is public administration.... About

booklist I asked to subject teacher, so he gave me long
booklist & said the more you read the more you
score... So there is lack of time, I have to prepare other
subject also... So, kindly guide me regarding go thru Previous toppers interviews at
booklist/study material & ans-writing tips... as it is https://mrunal.org/toppers
19/07/2020 common subject choice among student... & thank you
21:09:32 Garima 18 for doing economy mcq doubt clear on the spot.. They have given the book list
They will continue the scheme only for existing

19/07/2020 sir kya ho agar pension schemes jo chal rahi h , wo government subscribers and/ or they will switch the subscribers'
21:29:20 shiv kumar 1 1 dusri ban gayi or band kar de to logo ki investment ka kya hoga accounts to the the next scheme.
19/07/2020 Sir how to improve the speed of answer writing in limited

21:36:15 Ayush Pandey 1 8 time? I tried but I take 20 minutes.
→ General→unable to focus in studies/ unable to

19/07/2020 Sometimes i am not able to recall fact could u pls suggest what
21:36:28 Vikky 1 1 should i do ? remember
19/07/2020 If both spouses apply for Atal Pension Yojana, will the wife also
21:39:03 Pragati 1 1 receive the pension of the husband after his death?
Ans. scrolldown in PDF → FAQ → Gen Qs on

19/07/2020 Sir I m new . Is your course would be right to join in the mid
21:44:08 Renuka Pal 1 9 the course? UPSC
sir please go with the chronology of the handout, Im sorry that

it is a little difficult to search for the topic in the handout while
you are explaining, Iam actually searching for the topic
because I can write down what you are explaining, It would be
very helpful for us sir. Thank you. And Sir you are explaining in plz scroll down FAQ: Handout of my Lectures→
a very simplied way so it is very easy for us to understand the Why sequence of topic is different in Powerpoint vs
19/07/2020 syeda nikhath maryam topic thank you for that also sir. Just one request that please go
21:57:26 khan 1 1 with the chronology of the handout. Handout?
Sir, I'm a new student, I just viewed your 1st class's video of
this course, so i get to know about this Google forms question
asking mathod,
1) sir i have done my graduation and masters in MUSIC.
Sir, in the list of upsc optional subject, I'm confused about

choosing optional topics.
I've seen so many mathod to selecting optional but still can't

decide,
sir pls help. Even so, I thought about public administration,,

sir, will it be suitable for me? Because i don't have any idea
about any subject as these subject's syllabus are equivalent to
the pg level.
1. Ans. scrolldown in PDF → FAQ: Optional
subject doubts
2) And sir, as I said I'm a new student,, and in this course,
there's already 20 lessons,, so i just started watching 2. plz scroll down in this PDF → FAQ:
19/07/2020 recordings of your previous classes, my next question is, sir
21:58:20 Imsamayita-1996 1 8 should I join your live classes simultaneously with recording?? Economy Doubts → Late Admission
plz scroll down FAQ: Handout of my Lectures→
What is the meaning of all the emojis used in your

19/07/2020 Sir please through some light on emojis used by you in class
22:26:33 GAURAV_AGGARWAL_IAS 1 8 handouts. hand out?
Ans. scrolldown in PDF → FAQ → Handout →

19/07/2020
23:18:13 vishal keshari 2 1 sir msme sector me slide me to aap 1 ,10,50 , crore btaye jbki correction.
handout me 1,10 ,20 cr diya hai turnover me bhi 5 50 250 btye
jbki handout me 5 ,50, 100 diya hai clear kijiye
19/07/2020
23:24:19 jha nilesh 1 1 IS ESIC UNDER IRDAI REGULATION?? IRDAI makes some general rules on that.
19/07/2020
23:26:23 SUMIT KUMAR 1 8 Sir, i'm targeting cse2021. Should i buy India 2020 book? no need. Wait till next edition
Under the new classification of MSME, the handout says that

investment should be below 20cr and turnover should be
below 100cr for 'Medium scale enterprise'. But in the Ans. scrolldown in PDF → FAQ → Handout →
19/07/2020 presentation it was 50cr and 250 cr respectively. Which is the
23:26:33 Trisha Mehra 1 1 correct figure? correction.
Sir in Sunday lecture of financial inclusion you taught in msme

that limit for medium enterprises would be less than 50 cr ( in
ur slides) but it is less than 20 cr given in hand out. Ans. scrolldown in PDF → FAQ → Handout →
19/07/2020
23:26:49 Rituraj Manik 1 1 Pls clarify. correction.
Sir, my query concerns zero coupon bonds. In one of the MCQs

conducted in the class you had said that zero coupon bonds
earn interest. Though technically it is correct, however, can we
say that it is interest? We are receiving the face value. Not an
interest on the face value. Additionally, I tried to verify this on
various educational platforms including the government site
and it clearly says that,
19/07/2020 then better statement will be "zero coupon bonds

23:28:51 Vijetaa Majumdar 11 don't give any return= wrong statement."
'zero coupon bond doesn't pay interest .Instead, investors buy
zero coupon bonds at a deep discount from their face value,

which is the amount the investor will receive when the bond
"matures" or comes due.'
kindly clarify this ,sir. Thank you.
p-notes Create problems in the economy by

SEBI tightened the control over p-note. encouraging the tax evasion, terror finance,
19/07/2020 speculative investment So SEBI keeps changing the
23:32:41 Madhav Vyas 1 1 Is this step have any role in economic slowdown of 2019 ? norms.
sir in page 179 of the handout, in the revised msme

classification the limit in investment in medium enterprise is Ans. scrolldown in PDF → FAQ → Handout →
19/07/2020 less than 20 or 50 crore?Similarly in the turnover case it is 100
23:35:39 rajesh chandra 1 1 or 250 crore? correction.
Some (insurance/sukanya samridhi yojana)schemes have Dept Ans. scrolldown in PDF → FAQ: Economy Doubts
19/07/2020 of Eco affairs others Dept of Financial services ,what is the
23:40:23 sumitp54-8712 1 1 difference? → Specific → moral outrage.
Query in pillar #1D-about MSME classification. Pg no.179 in

handout. so,in handout
in REVISED MSME Classification in 3rd Colume (MEDIUM) you

Ans. scrolldown in PDF → FAQ → Handout →
19/07/2020 told in lecture that its invesment is not more than 50cr. but in
23:44:22 Drashti Trivedi 1 7 handout it is 20cr. and same problem in turnover, it is not correction.
more than 100cr in handout but you told, not more than 250cr.
which amt is right sir???
1. Can Indian investors also invest via P-Note Mechanism.

1. no. unless they make fake accounts abroad.
2. yes
2. Is ETF a derivative instrument ?
3. Ans. scrolldown in PDF → FAQ: Economy
Doubts → Specific → Operational aspects

19/07/2020 3. How is IPPB a public limited company ,where min 7 partners
23:59:42 Pratiush 1 1 are required...but in IPPB GOI is the sole owner of economy/org/law
20_JULY_2020_UPTO_6PM
Namastey sir, I Started preparation from 27th april 2020.till now

covered polity, economic class going with u, attending daily
current affair class on unacademy..and also doing my geography
optional and sometime i read ethics topics in a week, and 1-2 Ans. scrolldown in PDF → FAQ: Economy Doubts →
answer writing practice in a week..sir please guide whether i am
General→ Doubt about revision
going on right track or not..main problem i am facing with
rivision part of polity..how to revise once subject get
completed...my next attempt will be 2021....before attending your
class...i hate economics most...but after 1 month of class it seems i
20/07/2020 can also understand this subject. thankyou so much sir and a
00:11:16 Megha 2 1 great respect for u. Thank you for your compliments and kind words!
Namaskar Sir. I am following your course religiously. Economy Thank you for your compliments and kind words!
20/07/2020 becomes interesting when you teach. You are an amazing
01:51:10 Anushka@24 2 1 teacher.
Sir, I have only one query. In the beginning lessons, you said to http://tnschools.gov.in/textbooks
download the Tamil Nadu history books from your site. But, the
link on the website to download the books is now invalid. How to
download the books now? Can you please provide the new link?
Thank you
SIR ,IF US FEDERAL BANK INCREASE THE INTEREST

RATE,THEN RBI WOULD INCREASE THE BENCHMARK
BORROWING COSTS IN INDIA.
20/07/2020 I AM NOT COMPLETELY UNDERSTOOD WITH THIS STATEMENT,

02:24:30 AMRIT PAL 1 1 SO WHY IT IS SO ? Where is this statement given?
FIND THE CORRECT STATEMENT
1 THE LIQUIDITY COVERAGE RATIO (LCR) PROMOTES SHORT

TERM RESILIENCE OF BANKS TO POTENTIAL LIQUIDITY
DISRUPTION BY ENSURING THAT THEY HAVE SUFFICIENT
HIGH QUALITY LIQUID ASSETS(HQLA) TO SURVIVE AN ACUTE
STRESS SCENARIO LASTING FOR UP TO SIX MONTHS.
2. THE NET STABLE FUNDING RATION(NSFR) PROMOTES

RESILIENCE OVER LONGER TERM TIME HORIZONS BY
REQUIRING BANKS TO FUND THEIR ACTIVITIES WITH MORE
STABLE SOURCES OF FUNDING ON AN ONGOING BASIS.
ANS-ONLY 2 The cost benefit of chasing this level of technical

20/07/2020 information abt BASEL norms is very poor for the scope of
02:45:26 AMRIT PAL 1 1 SIR , WORD ASSOCIATION I HAVE LEARNT FORM YOU IN PILLAR UPSC prelims.
1B2 BUT YOU TOLD NOT TO DO IN DEEP BUT SUCH QUESTIONS
HOW TO TACKLE, I THINK LEAVE IT.
SIR THIS IS QUESTION FORM UNACADEMY CURRENT AFFAIR

SERIES BY ROMAN SAINI.
SIR WHAT YOU SUGGEST.?
1. If Unacademy Articulate magzine, yojana and kurushetra are in

option for CA perspective so we should go through which one or 1. For answer to your question, plz scroll down in
any other or all of three monthly pdf? this PDF → FAQ: General Qs on UPSC → Current
2. Suggest any software or pdf editor by which we can add some Affairs
20/07/2020 Yashdeep extra points in our own language in the handouts to make is
04:10:08 Tomar 1 8 more appropriate for helpful for us. 2. foxit pdf reader.
Hello sir
Me vision ka monthly current affairs kar raha hu or daily

newspaper pepar
20/07/2020 Dharmesh To kya sir muje environmental and S&T ke liye aalag se kuch
05:24:55 vaghela 1 8 karna hota he? no need for separate thing in that case.
They are different products.

Is AT1 bond = Consol Bonds?
20/07/2020 One is issued by the banks the other is issued by the
06:34:23 mafia 1 1 (As both are irredeemable) government
20/07/2020 dinesh With respect and always get ashirwad from your hand and યુપીએસસી પરીક્ષા જે પ્રકારના પ્રશ્નો પુછાય છે enaa માટે એવુું બધુું સાહિત્ય
06:46:59 rathod 2 8 charan sparsh . my question is that for current affairs is it enough
liberty's latest carrer fact and general knowledge.for cse. bcz it is ખાસ ઉપયોગી નથી અને બીજુ ું કે ગુજરાતી ઉમેદવાર પૈકીના પણ હસહનયર
in regional lang.so it is easy for understanding. please help હવદ્યાથીઓ જે મટીરીયલ વાપરતા િોય એ તમારી વાપરવુું જોઈએ કેમ કે છે વટે
સ્પધાા તો એ લોકો સાથે પણ કરવાની છે . For more plz scroll down in
this PDF → FAQ: General Qs on UPSC → Current Affairs
1. only If government is the majority shareholder then

yes. e.g. reliance/tata = Public limited companies
but they are not public sector companies because
government is not the majority shareholder
1) public limited companies are govt or not? 2. readymade books on mains answers / models
essay = Not very helpful for the scope of UPSC
20/07/2020 Jakaria 2) sir mains answer writing ke liye konsi book sahi rahega jisme exam, Given the dynamic nature of the questions
07:44:55 Hossain 1 4 intro ,, body conclusion alag alag se diya ho?? versus poor quality of the authors
- आजकल e-learning mein चिकनी िुपडी बातें करना फैशन

हो गया है और क्योंकक daily pageviews िाहहए तो कोई भी
न्यज़
ू आइटम आए तो content-creator ne यह हिखाना
पडता है कक हाां हाां यह भी परीक्षा के ललए जरूरी है इसललए
तुम मेरा वीडियो / article िे खो and usse
like/share/subscribe karo.
- But at the first attempt student your first priority
should be to finish the core syllabus, go thru

sir jaruri hai kya ki saare topics ko ek dam detail me padhe jese
previous papers. It will give you a good idea on
sab bolte hai kya mai sir question paper or current affairs me jo
20/07/2020 paridhi chal raha un topic se related par focus rakhu kya yeh beneficiary on what topics are important for the scope of
08:17:01 kaithwas 1 8 hoga meri prepartion ke liye ya sabhi topics ko deeply padhu?
exam. For more, Ans. scroll down in PDF → FAQ
→ Gen Qs on UPSC
SIR, 1)In page no.163 written one line i.e.
Exporters pay ‘premium (बीमा-ककस्त)’ to the bank → bank pays
it to ECGC.
I not clear above line because exporters pay premium to ECGC

and ECGC pay to bank. Ans. scrolldown in PDF → FAQ: Economy Doubts →
20/07/2020
08:19:06 BHUSHAN 1 1 2)sir,I not clear about "reinsurance". Specific → ecgc
1. Ans. scrolldown in PDF → FAQ: Economy Doubts
→ Specific: operational aspects.
2. Rural PLI = for rural public who are not employees

1. Badla system = what is the problem as he is just acting as of post dept.
intermediary only.
3. May be, May Not be. I never bothered to waste my
2. rural RPLI is for gen public or for only govt employee? time google-searching the answer, because I didnt
find this obscure/technical point imporant for the
20/07/2020 Jugantor 3. janshree bima yojna, aam admi bima yojna etc., are all these scope of UPSC exam beyond what is given in the
08:29:22 Konwar 1 1 continueing now??? handout.
Hi Sir,
1) I am from Hyd,
and I am reading Indian Express Delhi version becoz Indian

express not available in southern Indian region. and The Hindu
content i am not able to understand thats why i shifted to Indian
Express. now i am feeling much better with Indian Express from
last one month i am reading Indian Express since the start of the
course.
but Science and Tech content is not much available in Indian

Express. except that everything is fine. Should i shift back to
Hindu news paper or stick with it. ??
for regional news for interview type - once in a week i am

reading Hyderabad updates from google and local news channels
when i am having freetime.
Content wise and English i felt very good with Indian Express 1. in that case stick with Indianexpress.
writers compared to Hindu.
2. For answer to your question, plz scroll down in this

20/07/2020 Shiva 2) for Monthly updates i am planning to read from VISION
08:54:56 Krishna 1 8 monthly pdfs which are available freely from their site. but right PDF → FAQ: General Qs on UPSC → Current Affairs.
now i dont have that much knowledge in static part i stick with
static part only and reading news paper daily but not making any
notes for current affairs .
Should i make notes because when i saw toppers interview they

are saying that everyday "I used to make notes from newspaper".
But here i reading newspaper from last 4-5months but i dont see
that much content to write everyday except once in a while that
too as you said it will be available in monthly pdfs.
I completed Polity, History and Economy (currently with your

course) and i read NCERTs for better understanding of
newspaper. i am able to understand it much better now but i
dont see that everyday notes making content in newspaper
instead i thought to study perfectly from books only later i
thought of glancing over monthly pdfs. is that fine or am
confused here..?
Could you please provide your suggestions here Sir.
Thanks in Advance
General→ Current Affairs (CA) PDF
Vision/IASParliament/3rd party: which one to use?
20/07/2020
09:42:07 Rohit singh 1 8 Sir which current affair magazines to read and how to read them
General→ Current affairs(CA)
Namaste guruji
Me current affairs update ke liye Sirf vision, yojana and

20/07/2020 Dharmesh kurukshetra and the hindu karta hu sir, or sir rajyasabhatv, ans https://unacademy.com/class/comprehensive-
10:16:50 vaghela 1 8 pib, prs, or bhi government website dekhani jaruri he? strategy-to-crack-upsc-cse/PL7KLWIX
ownership is not tied with regulation.

20/07/2020 khushhali Sir, NHB now owned by GoI, but is it still regulated by RBI? does
10:34:42 solanki 1 1 RBI act need amendment for it? govt owns LIC yet IRDAI regulates it.
Sir, in nirvic scheme exporter pay premium to ecgc then ecgc pay
90% amount to bank (as you teach this in class).but in handout Ans. scrolldown in PDF → FAQ: Economy Doubts →
20/07/2020 you have written exporter pay premium to bank then bank pay it
11:18:17 Animesh jha 1 1 to ecgc . please explain this Specific: nirvic
hello sir
Handout me MSME ki jo new defination di hai usme MEDIUM

enterprise ka turn over 100 cr diya j
AMIT jbki apne class me tym 250 cr btaya tha

20/07/2020 PRAYAG
12:13:51 YADAV 1 1 in dono me konsa sahi h cunfusion ????? Ans. scrolldown in PDF → FAQ → Handout → correction.
SIR in prelims 2018(economy) There is a question which you did

in class - and there the 2nd statement is -" To put public sector
20/07/2020 SHRIRUP banks in order, the merger of associate banks with the parent SBI plz refer to advantages of bank Merger in 1B1
12:22:45 GHOSH 1 1 has been affected" . handout/lecture.
sir I'm not able able to understand this statement . Can you
please simplify this above statement ?
Thank you
Sir ,
There is a little confusion over data for classification of MSME

industry.
Lecture on Sunday (1-d): Slide no 92 Medium Category shows

invst. < 50 crore & turnover < 250 cr. . But, in slide no 93 upper
20/07/2020 Apurv part & handout it is not updated. It still shows 20 cr. & 100cr.
13:02:20 Utkarsh 2 1 data for medium category. Ans. scrolldown in PDF → FAQ → Handout → correction.
20/07/2020 sir why finance minister has changed the definition of MSME? More number of organisations are can benefit from
13:21:26 P_munda 1 7 what difference will it make government schemes for MSME.
Sir, after NPS trust being separated from PDRDA in 2019, can we
20/07/2020 Kunal Kumar still say PFRDA implements NPS? Please explain the present
13:46:42 Rakesh 1 1 function of PFRDA vis-a-vis NPS. we can say that PFRDA is regulating NPS.
Good Afternoon sir
Q1.) Sir ES(18-19) said NPA % has declined while ES20

mentioned it reached its peak in 2018. which one is correct?
Q2.) Prompt Corrective Action is only for SCB and RRB or for all
Commercial banks?
Q3.)Sir on what basis can commercial banks be called a company

?
1. es20 data shd be taken as more recent and

therefore more correct.
Q4.) Can shadow banks mobilize funds from public as well by
issuing bonds/shares or only Banks? 2. All commercial banks
3. Ans. scrolldown in PDF → FAQ: Economy Doubts

Q5.)Can state govt issue Cash management bills or only take → Specific → How to open a bank
money from WMA ?
4. shadowbanks can mobilize.
5. only WMA.
Q6) Is CSF for both long and short term securities issued by govt
or only short term? 6. Ans. scrolldown in PDF → FAQ: Economy Doubts
→ Specific → outside photoframe/Operational

20/07/2020 Vinamra
14:10:20 Bansal 1 1 REGARDS aspects of economy/org/law
यह सब करने गए तो लेककन कफर 4 महीने का कोसस 9 महीने का हो

जाएगा
500 पन्ने का handout 1500 pages का हो जाएगा
कफर िस
ू रे ववद्यार्थी फररयाि करें गे कक
1. कोसस जल्िी खत्म कररए, हमारे पास लांबा कोसस खरीिने की

फीस नहीां है या कफर कक हमें भी िस
ू रे भी ववषय पढने है उसके
ललए टाइम नहीां बिता है ,
Sir aapse request hai...1 problem.. sir itna notes short mat kariye ki
usko samajhne me hai pura time nikal jaye.. Bcz ye shorts aapka है
2. हे िआउट छोटा वाला बनाइए, बडा handout पढने का हमारे
hamara nahi ki तुरांत समझ ले.. Please notes me ek topic का पूरा sub
पास टाइम नहीां है . etc. etc.
topic एक ही order me रखे.. Bcz samajhne me hi pura time lagta hai..
Hindi word cost me कर के िाल िे ताकक हमे समझ एवां MAINS answer और इसी कारण से अनअकैिमी का मॉिल भी ऐसा है कक एक से ज्यािा
writing me problem n हो.. 2. Problem हम fresher है .. आप इतना short टीिसस यहाां पर एक ही ववषय पढाते हैं. ताकक ववधार्थी अपनी स्पीि और
पढाते है कक िो बार video dekhna padta hai.. जो Complex topic hai जरूरत से सही लगे उस टीिर से पढ सके.
usko do bar samjha de ताकक.. Pura din waste न हो.. Mujhe lagta hai
jada लोग वो है जो padh िुके है .. टे स्ट me answer. Or ha me ha लमलाते
कोई भी ववद्यार्थी नई-नई तैयारी शुरू करता है तो हर एक ववषय में
है .. Ya aap अलग से video start या समाप्त होने पर 15 min ka time de
उसको ऐसी हिक्कत है आती है . धीरे धीरे grip आ जाती है . इसललए
kuchh querry पछ
ू ने का.. Sir aapko lagta ho ki aap bahut dino se
िस
ू रे students जल्िी से जवाब िे पाते हैं उस िीज से कभी भी
padha rahe koi problem nahi hai.. But sir itna complexity fresher के
20/07/2020 हतोत्साहहत होने की जरूरत नहीां. because कोई student Vajiram की
14:12:01 Rohit kumar 1 7 ललए अच्छा नहीां है .. Please solution..
कोचिांग ज्वाइन करें गे तो उधर भी टीिर पढाते पढाते पूछेगा कक
अकबर के बाि कौन राजा बना र्था? पहले हिन शायि fresher नहीां
पता होगा लेककन िस
ू रे 25 students उां गली खडी कर िें गे हमको पता है
तो. उसमें fresher को हतोत्साहहत नहीां होना है . Everyone is new to
something at some point of time.
Sir, Mai aaj se apka class start kr raha hu..or aaj se apka lecture 1
se recorded dekhna suru kr raha hu...toh sir sahi rhega ya uska
upcoming class ka wait kare?...kyuki sir apka 20 lecture complete
ho gaya h..kyuki sir mai ek week me ya 10 din me khatm krna nhi
chahta daily 1-1 lecture kr ke khatm krna chahta..Jaisa apne intro
me almonds ka e.g bola bhi tha..usi tarah krna chahta hu...Sir My Welcome to my course at Unacademy Plus! For answer
Doubts is, During the watching the recorded lecture if any to your question, plz scroll down in this PDF → FAQ:
20/07/2020 Raushan Doubts/Question aata h..to uska Answer kijyega..ya mujhe tezi se
14:23:42 chauhaan 1 8 live lecture tak puchna Hoga? Economy Doubts → Late Admission
Q1. Sir, ye 1year term insurance ka kya matlab hai?

1. explained in lecture series 1D
20/07/2020 Garvit Q2. Cheat fund mai, lottery se loan milta hai, to jis insan ko jrurt
14:24:16 Shrivastava 1 1 ho usko nhi mile to kya wo pere withdraw kr sakta hai? 2. he'll get share in the profit made by chit fund.
It is seen that center sponsored schemes like insurance based PM

fasal Bima Yojna etc amount paid shared by both state and centre
but what about premium? In which account it goes? I have doubt
20/07/2020 JovielSingh- if it is also a bone of contention that States are reluctant to apply
14:26:42 4256 1 4 these schemes. - premium goes to insurance company.
Sir main science student rhi hu r 10th ke baad kvi answer writing Ans. Scrolldown in PDF → FAQ: Mock → Mains Answer
20/07/2020 nhi ki r ab bilkul v kuch samjh nhi aata kaise ans likhu please
16:08:45 Ragini 1 8 suggest me Writing

20/07/2020 Nayan Sir In NIRVIK insurance scheme, exporter pays premium to bank
16:09:41 Tiwari 1 1 Or ECGC?? Specific → NIRVIC
Sir in MSME classification for medium enterprises the criteria

has been wriiten in the handout as upto 20Cr & 100Cr. for
20/07/2020 investment & turnover resp. But in the ppt you have mentioned
16:22:44 Kartik Nair 1 1 upto 50Cr. and 250Cr. resp. for the same. Please clarify -Ans. scrolldown in PDF → FAQ → Handout → correction.
1. Sir mujhe concepts samajh m aa rahe pr yaad rakhne m 1. Ans. scrolldown in PDF → FAQ: Economy Doubts →
problem ho rhi h. Itne saare terms m confuse ho rhi hu.
General→ unable to focus in studies/ unable to remember
2. Sir abhi maine answer writing start nhi ki hi qki mra koi bhi
core subject complete nhi hua h. Sir mujhe economics ki aur
other subjects ki answer writing start kr deni chahiye ya phir
syllabus complete hone k baad start krni chahiye??? 2.Ans. Scrolldown in PDF → FAQ: Mock → Mains Answer
20/07/2020 Shalini
16:27:38 Santosh 1 8 Please help sir Writing → when to start.
Sir, my D.O.B is 31/08/2000. Is there any chance that i will be Until now the system of UPSC has been that age is computed
able to appear in CSE-2021,if exam will delay for 2-3months. As on 1st august of the given year. so, Difficult to predict at
20/07/2020 from 2020-UPSC notification i will be leaving behind for a month present whether they will keep the same system in future or
16:52:04 Aditi Ranjan 1 8 in 2021-CSE. whether they will change it
Hello Sir ,I am an Unacademy plus subscriber ,I want to know

how to approach prelims 2020 .
1) Economy is done till 20 lectures through your lectures,how to

approach further ,Should I go for recorded one ? What are the
things I need to focus for prelims kindly guide
2) Ecology and Environment is done ,revision is going one
3) history is done ,some portion of modern is still going on
4) Polity is done through Siddharth Arora sir lectures ,revision

going on
5) Geography-Physical Geography done ,Mapping , important

portion of Indian Geography done ,Economic Geography not Q1- Welcome to my course at Unacademy Plus! For
done
answer to your question, plz scroll down in this PDF →
6) Science and tech goin on through Roman Saini sir course FAQ: Economy Doubts → Late Admission
7) current affairs going on and revision is going on
20/07/2020 Abhishek Kindly guide me how to approach subject wise for prelims 2020
17:27:40 Chandra 2 8 ?. Q2- Ans. scrolldown in PDF → FAQ → Gen Qs on UPSC
Sir,When we say that in case of IDR or ADR which can help

respective foreigners to sell their shares in other countries
without going into complexities are actually bypassing the Less likely because ultimately those bankers who're Issuing
20/07/2020 verification step done by regulatory body like SEBI and can lead the depository receipts have to send reports to the
17:41:45 Pranav 1 1 to scam? respective regulatord.
20/07/2020 Shreyash My score of Weekly test is so less than your given cutoff but
17:51:50 Wahane 1 8 gradually it was increasing. Thank you for your compliments and kind words!
Thank you for this type MCQ quiz.
- Agriculture schemes yes they will be covered
20/07/2020 - Major crops =That is a topic under Geography so I

17:54:01 Rohit Pawar 3 8 Will you also cover major crops and agriculture related topics am not going to cover in this economy course.
In the MSME - equity infusion via fund of funds

20/07/2020 Akshay the given MSME company who wants the equity funding,
17:56:44 Warade 1 1 Who is going to issue equity shares will issue the shares.
FAQ: FREQUENTLY ASKED QUESTIONS
GENERAL QS ON UPSC PREP/STRATEGY
STRATEGY / BOOK LIST/ HOW TO BEGIN PREPARATION?

- Covered in my “Comprehensive Strategy 2021” video during the Unacademy Summit. watch it at following URL:
- https://unacademy.com/class/comprehensive-strategy-to-crack-upsc-cse/PL7KLWIX
TOO MANY LECTURES/UNABLE TO FIND TIME/TIME MANAGEMENT

If you are targeting 2021 finish the syllabus / live courses in following sequence
1. Optional subject (Because its faculty may not be available live for the whole year so you would benefit by asking the the doubts while it is being done live)
>Economy and polity (So you can understand their current affairs in a better manner from newspaper)> (Environment geography agriculture history-art
culture Ethics)> and at last stage Science Tech and current affairs.
2. Current affairs is not a separate subject it overlaps with the traditional six subjects that are Geography, environment, economy, polity&IR, history, science
technology. All the reputed teachers will teach both the theory as well as current affair embedded within their course itself. So this anxiety and Mania
among the students ke “Separately daily mereko 2 hrs current affairs krnaa hai”.... That should come at a later stage. First prioriy for a first attempt student
should be to finish the core subjects. Once you have finished the core subject including the analysis of its previous years papers then automatically you will
see how much current affairs is relevant in what parts of the subjects
3. one should not spend more than 30 to 40 hours a week watching lectures. the remaining time should be spent in actually reading the books and study
material (minimum reading list list is mentioned on the page 1 of your handout). No need to watch videos of things which can be easily understood by
simply reading the book
4. Other reasons why people unable to find time is because they spend two hours reading the newspaper/PIB/IDSA, they make a necessarily notes from
books which are already present in the format of revision notes (e.g. Laxmikanth), They watch videos of things which can be easily understood by simply
reading the book.
5. More details covered in my “Comprehensive Strategy 2021” video during Unacademy Summit. Please watch it at following URL:
https://unacademy.com/class/comprehensive-strategy-to-crack-upsc-cse/PL7KLWIX
UNABLE TO FOCUS IN STUDIES/ UNABLE TO REMEMBER

- Reason#1: is a brain chemical named dopamine which encourages student to check
Facebook WhatsApp Instagram Telegram Netflix Hotstar etc every two minutes. So, for de-addiction, first installing a free app named "forest"
https://play.google.com/store/apps/details?id=cc.forestapp&hl=en_IN
- Reason#2: Priority of the exam is not clear. When a person is studying history, his brain starts to wander that I should do current affairs. When he is
studying current affairs from "X" source, brain starts to wander whether "Y" source will be better. Well self determination is required that I have taken of
this particular material so first I will finish this before anything else.
- Reason#3: Aashiqui. person is engaged in boyfriend/girlfriend/breakup tmaashaa. Some people clear the exam in first attempt, but for many it is a struggle
that takes multiple attempts. Those who are with you at present= will not necessarily remain with you by the time your struggle/attempts are over. So you
have to decide whether your career is important or your soulmate is more important.
CURRENT AFFAIRS(CA) PREPARATION/ CURRENT PDF/NEWSPAPER SKIP/NOTES?

1. upto how many month's CA do i've to prepare?
2. How to finish the newspaper fast?
3. How to make current affairs notes from a newspaper ?
4. How much to rely on the current affair PDF ?
5. How much time to devote daily for current affairs ?
6. All these and much more:
Answers:
- Covered in my slide 28 to slide 40in the following lecture https://unacademy.com/class/comprehensive-strategy-to-crack-upsc-cse/PL7KLWIX
● Current affairs PDFs are supplements but not substitute for the Newspaper reading. Which is required for building the clean vocabulary, grammar and
language proficiency for the essay paper. You may also need to follow the newspaper to gather information about your state, graduation, hobbies related
questions for the UPSC interviews
● Also observe the topic wise previous year question papers automatically you will get the idea what type of information is more important and what is
useless. Then accordingly read or glance over the matter given in CA-PDF.
● further, How not to waste 2 hours in reading newspapers? ans. https://mrunal.org/2020/07/daily-thehindu-current-affairs-upsc.html
CURRENT AFFAIRS (CA) PDF VISION/IASPARLIAMENT/3RD PARTY: WHICH ONE TO USE?

- Since most candidates follow Vision IAS free monthly current affairs PDF so even if you're using some other institute's CA-PDFs, you should still keep an
eye on it just to ensure that you have not missed any important topic Which may have been prepared by other candidates. But the problem is Vision IAS
current affair files =They bloat it too much with unnecessary data and international reports analysis and findings and ‘historic perspective’...Which we
cannot really write in the mains exam because of the word limit and time limit. So ‘glance over it’ accordingly.
- Similarly IASParliament PDF files problem = while they give the polity material in a relatively crisp manner but in environment portion unnecessarily
bloating it with too much coverage.
- I do not have the time to compare and contrast dozen institutes CA-PDF files. Just download A few of them whichever you feel comfortable with you go for
it.
- further thoughts on slide 70 and 71 of my introductory lecture: https://unacademy.com/class/economy-introduction-faq-about-course-upsc-

prep/JDQMR3FR
SHD I USE VISION PT365/SIMILAR YEARLY COMPILATIONS OR MONTHLY CA PDF?

- VisionIAS pt365 and similar yearly current affairs compilations = They omit/skip many topics from the monthly PDF to combine it into a single file. So
better to go for the monthly PDF Because prelim 2021 is very far away and you have sufficient time to cover it.
- further thoughts on slide 70 and 71 of my introductory lecture: https://unacademy.com/class/economy-introduction-faq-about-course-upsc-

prep/JDQMR3FR
SHOULD I READ THE HINDU OR INDIAN EXPRESS?

- I have explained this introductory lecture number 1 itself slide number 65
- https://unacademy.com/class/economy-introduction-faq-about-course-upsc-prep/JDQMR3FR
DOUBTS ABOUT NOTES MAKING

- How to make notes from newspaper is explain also in that introductory lecture: https://unacademy.com/class/economy-introduction-faq-about-course-
upsc-prep/JDQMR3FR
- No need to make notes from NCERT. No need to make notes out of the books which are already in the format of notes e.g. laxmikanth, spectrum, my own
handout on economy, shankar etc. Just revise them multiple Times
- Whether to make notes in form of pen and paper or Digital that is up to your comfort level you will find toppers from both types.
DOUBT ABOUT REVISION

- As far as my economy lecture is concerned you don't have to make notes, Because the handout itself is revision note. Watch the video only once. Keep only
having some doubt then rewatch the video or see its powerpoint.
- Revision of the handout three times, at minimum
- 1st time = chapter revision Before the weekly quiz
- 2nd time= whole handout Before the brand quiz at the end of my course.
- 3rd time = whole handout, 2 weeks before the prelims. (incl. the FREE updates of Win21CSP series next year, Which will cover next year's budget and
economic survey)
- For other subjects, you may workout similar strategy yourself using the the books and material prescribed on page1 of the handout.
SUGGEST ME EDUCATORS FOR EACH SUBJECT/ WHOSE LECTURE SHOULD I ATTEND/SKIP?
1. Step1: Go through the previous years topic wise question papers for prelims and mains. It will give you an ample idea of what type of questions are asked
and how much depth is required for a given topic. You will find them at Mrunal.org/prelims and Mrunal.org/mains
2. Step2: You can find the list of all good educator with ranking at https://learn.unacademy.com/plus/goal/KSCGY/educators or you can find them
subjectwise at https://learn.unacademy.com/plus/goal/KSCGY/topics
3. you can look at educators’ ranking and their total watch time, sit in a few lectures, it’ll give a good idea. And because you have already observed the
previous years question papers to have fairly good idea on whether they are teaching in an exam oriented manner or not. For a given subject, Which of the
educator is best and which of them is less good or “Watch this teacher’s lecture but do not watch that teacher’s lecture.” = I am unable to comment or give
opinion in that format, because I am a company employee.
4. Step3: one should not spend more than 30 to 40 hours a week watching lectures remaining time should be spent in actually reading the books and study
material (minimum reading list list is mentioned on the page 1 of your handout) Please see slide number 20 and 21 of following lecture And design your
weekly allocation of lectures versus reading accordingly https://unacademy.com/class/economy-introduction-faq-about-course-upsc-prep/JDQMR3FR
OPTIONAL SUBJECT RELATED DOUBTS
HOW TO PREPARE OPTIONAL?

Optional subject courses are unlocked with your subscription at
https://learn.unacademy.com/plus/goal/KSCGY/topics
Further, Previous toppers’ Strategies may be available at
https://mrunal.org/toppers
MY OPTION SUBJECT NOT AVAILABLE IN UNACADEMY PLUS?

However there could be a possibility that your optional subjects course may not available in above list at present, And or perhaps only a small set of strategy videos
are made instead of full length course. But make good use of it to at least identify the booklist and trend of question papers. Further, Previous toppers’ Strategies
may be available at https://mrunal.org/toppers
Unacademy is continuously onboarding new educator's for the the optional subjects as well in future there could be teachers in this subject as well. You may also
send request at help@unacademy.com
SHOULD I DROP MY GRADUATION SUBJECT TO SELECT H UMANITIES SUBJECT?

- The level of optional subject papers’ difficulty in UPSC exam is little higher than the bachelors’ degree (i.e. 3 years courses) and little lower than the
masters’ degree (i.e. 2 years courses).
- So, If you take up a subject which you have not studied in the graduation then it is going to take at anything between 4-8 months’ preparation to gain
mastery for it (Depending on how many hours you are investing on it.)
- The notion that Humanities subjects like sociology public administration political science have overlapping with the general studies = so we should take
them= It should not be your primary consideration. Because hardly in one or two question of GS Mains papers, you will get to you have the chance to show
your your optional mastery. Otherwise traditionally a lot of these optional subject matter deals with thinkers, theory, philosophical concepts not related to
general studies. If you dislike reading such things then it will be difficult for you to sit with the books for a long time.Then people simply rely on the
readymade coaching notes for optional subject, while they help finishing syllabus fast’ but not always guarantee best marks in the answer When the
evaluators are looking for more death then superficial bullet points .
- A known devil is better than an unknown Angel. So you have to weigh how Comfortable you are with your maths/medical
science/engineering/commerce/B.Sc graduation subject. You may be able to finish it much faster compared to selecting an unknown optional subject
Which you have not studied in graduation.
- On YouTube people will make all type of clickbait strategies like “Take off Anthropology subject it has very short syllabus and you can finish it within the
three months By reading just 3 books”. But Every subject has senior players who have studied more number of academic books beyond ‘prescribed
minimum list’, and prepared more better quality of points and notes, to get more marks in mains. So, this whole craze of ‘short syllabus’ also Need to be
taken with A Pinch of salt.
- Only if you are very weak in your college graduation subject, and want to explore some other optional subject then you may do so.
- At the end of the day there are toppers from every optional subject. Once I met a topper with SINDHI Optional subject (Whom every coaching wala advised
that he should take traditional subject like Political science sociology or public administration).
- If 200 candidates are appearing with law optional subject and only 20 are getting interview call then the remaining 180 are always going to bad mouth that
law is a bad subject. But, IS UPSC a rice distribution scheme of Government ke Everyone standing in the queue must get the 5 kilogram rice?
- To conclude
- 1) First priority select your graduation subject if you are comfortable with it
- 2) If you are not comfortable with your graduation subject for the graduation subject is not offered as a optional subject (e.g. Computer engineering,
pharmacy etc.) Then explore other subjects
- 3) Among those other subjects select the one in which you have some interest So that you can sit with it for a longer period of time, and some level of
guidence/strategy/booklist is available.
WHICH ONE TO PICK FROM PUBAD/POLSCI/SOCIO

● In terms of structure, length and relevance in GS Mains papers = they are nearer to each other. And good number of courses are running in unacademy plus
for each of these three subjects
● So pick either one based on your personal taste / interest. Some failed candidates may say do not select public administration because papers are very
tough. Some failed candidates will say do not take sociology because a less number of candidates are given interview calls than polSci. Basically those who
do not get the interview call will bad mouth their optional subjects.
● But at the end of the day there are a good number of toppers from all three subjects. so it all depends on your personal interest because if you do not have
personal interest then you will feel very very bored to sit through the long hours of reading thick academic books of such subjects.
ADMISSION → PREVIOUS BATCH STUDENT
● Idea approach for old batch students = (original handout from your batch+ wincsp20 series ke Handout & powerpoints for updating it, available at
https://mrunal.org/download#Win20CSP ). And its FREE lectures at https://unacademy.com/@mrunal.org/courses/?goal=all&type=special
● No need to take separate printout of this new handout going in the present batch. Yes it contain some new current affairs for example Iran’s toman
currency but in future I will cover that in your Win20CSP handout as well. So, need not worry.
● I will finish the win20CSP series before prelim-2020. And will start win21CSP series after next years’ budget. So you follow them accordingly. I hope that
you will clear the exam in 2020 cycle itself incl. January’s Mains, but still you will have to prepare next year's budget for interview-stage, so do keepup with
win21CSP as well!
● Thus, your time is sparred and you can use it For preparation of other objects.
HANDOUT OF MY LECTURES
WHERE IS THE HANDOUT? HOW TO DOWNLOAD HANDOUT?

● https://unacademy.com/course/mrunals-economy-full-course-for-upsc-prelims-mains-2021-507/QTOO36CS
● Goto above link, Click on updates tab → Side bar will open from the right side → you can download the PDF files . Within that right hand sidebar →
scroll down to download older handouts.
HOW TO DOWNLOAD THE POWERPOINT WHICH YOU ARE TEACHING IN THE CLASS?
- explained in lecture1 slide 43 and 44.
- https://unacademy.com/class/economy-introduction-faq-about-course-upsc-prep/JDQMR3FR
SHOULD I TAKE PRINTOUT? MY EYES ARE STRESSED BECAUSE OF PDF READING?

- In my opinion, there is no need to take printout until the coronavirus is over.
- Read it from the PDF file itself, However it is possible that you feel eye-stress/fatigue on computer screen. solution is download (free) foxit pdf reader
→ file menu → Preferences → Accessibility → Document colour options → Use high contrast colours. And it could convert the colours to black page
and green text Like the following screenshot. Then it will become easier to read Without stress on the eyes.
GIVE ME ALL THE HANDOUTS AT ONCE, ABHI KE ABHI
● My handouts are continuously updated on weekly basis as we the progress in the lecture. So I cannot update and upload all handouts to you right now in
advance, with the hectic schedule wherein i’ve to conduct classes 4 days a week, and then devote an entire day or two answering to google form queries.
● Therefore I have advised, no need to take print out until covid is over.
● If you’re very eager to have everything @once, You can download the older batches entire sets of handout from
https://unacademy.com/course/comprehensive-course-on-economy-for-upsc/FAYJEWDZ
● And then follow Win20CSP series handouts available at https://mrunal.org/download#Win20CSP
● And (free) Win20CSP series lectures available at https://unacademy.com/@mrunal.org/courses/?goal=all&type=special
WHY SEQUENCE OF TOPIC IS DIFFERENT IN POWERPOINT VS HANDOUT?

● PowerPoint is designed for explanation
● Handout is designed for revision
● Therefore the sequence of the topic may be little ahead or behind in the particular handout.
● More explanation: slide 48 and 49 in following lecture https://unacademy.com/class/economy-pillar1a2-monetary-policy3-quantitative-tools-repo-tltro-

msf-omo/PMAH2JMQ
WHAT IS THE MEANING OF ALL THE EMOJIS USED IN YOUR HAND OUT?
- They are meant to to make your revision faster. For example tiger emoji usually comes in RBI related topics because tiger is in the logo of RBI.
- knife emoji usually denote "loans" (Because of knife in informal moneylenders hand)
- Atma-Nirbhar initiatives usually have " " (=which basically an emoji for Bhatakati-Aatma भटकती आत्मा)
- = PM Modi. =CM Yogi, basically to denote State governments.
- such emoji/ pictorial representation helps in faster revision of the handout
- But, I cannot explain to you the meaning of all the emojis. Consider it a time-pass puzzle that is not important for the scope of exam. If you can decode it
well and good if you can't decode it, then don’t lose sleep over it.
Do I need to make notes from your handout?

Handout itself is a revision note. There is no need to do double labour by making a note out of the note. Simply revise it often.
HINDI MEDIUM MEIN ENTIRE HANDOUT CHHAHIYE MUJHE.
While I am sympatize with your request but Hindi medium handout related Queries are sufficiently addressed in the lecture 1’s introductory part → slide 48
onwards.
https://unacademy.com/class/economy-introduction-faq-about-course-upsc-prep/JDQMR3FR
Fuhrer, If you go for the Hindi translation of the economic questions asked in UPSC they are so cumbersomely translated it will even slow down your speed further.
So it is always advisable to tick the economy and science MCQs by reading the English version of it
If you wish to cultivate more vocabulary for Hindi economic terms then go for class10, class11 NCERT economy books in hindi medium.
Similarly you may read Economic survey, Yojana, Kurukshetra magazines (You don't have to read them page by page. How to read them is explained in the first
lecture)
WHY HANDOUT HAS NO BLANKS? PREVIOUSLY YOU USED TO KEEP BLANK?
Because of the Corona outbreak → some might hesitate going out every week to get printouts. I do not want to catalyse the speed of corona among students,
by forcing them to go for printouts.
CORRECTION IN THE HANDOUT

- You can do the corrections in the handout by installing a free software called Foxit pdf reader
- then click on "Comments" tab → select the tools to edit the text. for example,
pillar topic correction.
1B1 SIDBI add infor: It was originally 100% owned by IDBI. Later on shareholding given to other
entities.
1B1 nationalization of banks Op. Polo done in 1961. (it was mistyped as 1960)
1B2 AIFI → EXIM remove the line that says "known for NIRVIC"
1B1 IPPB Its motto is "Aapka Bank Aapke Dwaar" (it was not fully typed.).
1B2 RBI dividend. 1.76 lakh cr (it was mistyped as 1.76 cr)
1D MSME definitions. - 2020-May: PM Modi announced Atma Nirbhar Bharat speech. Then Finance
Minister Sitharaman launched 5 powerpoints on it for press release. So, table
screenshots was taken from there.
- Afterwards, again 2020-June govt made a minor change by increasing Medium

enterprises limit to NOT more than 50 cr investment and Not more than 250 cr
turnover.
- so, the only thing you need to add /change is: = Medium enterprise= 250cr
turnover."
ECONOMY → DOUBTS → GENERAL
Q. I'VE TAKEN LATE ADMISSION, SHOULD I WAIT FOR NEXT B ATCH?

- One should not wait for the next batch because it may be launched after some four-five months. Sooner you finish the economy is better. So that you can
understand the newspaper current affairs in a better manner, and interlink these economy concept even with international relations etc.
- Therefore better to continue with the present course which is going at https://unacademy.com/course/mrunals-economy-full-course-for-upsc-prelims-
mains-2021-507/QTOO36CS
I'VE TAKEN LATE ADMISSION, HOW TO COVER UP THE GAP IN PRESENT COURSE?
- Welcome to the Batch.
- I am teaching economy divided into six pillars presently we are in the first pillar. So it is not very late admission yet. ideal approch is
- Atleast you should finish 1A2 series (monetary policy) minimum, Before attempting the the live classes. Because those concept of monetary policy serve
as building blocks for many of the the future lectures.
- then finish other backlog of recorded videos afterwards.
IS THIS COURSE RELEVANT FOR 2020’S PRELIMS? HOW TO USE FOR PRE -2020?
Explained in lecture 1’s introductory part slide number 8 to 10. Please re-watch the recorded session at
IS THIS COURSE RELEVANT FOR 2022 OR FUTURE YEAR'S ASPIRANT?

1. Economy = sooner finished is better so you can Understand the current affairs and newspaper in a much easier manner. Besides the theory and
contemporary issues which are being taught in the present course will also help you in the 2022. Yaani ki yes finish it within present batch itself.
2. For 2022: at minimum you should prepare the current affairs from 1/1/2020 onwards.
IS THIS COURSE COVERING BOTH PRELIMS AND MAINS ECONOMY FOR GS?
Yes it is.
AFTER YOUR COURSE IS OVER, HOW TO RECEIVE UPDATES ON NEW CA/BUDGET/ECONOMIC SURVEY?
- I will covering them through Win20CSP series this year, and Win21CSP series next year.
- For more, watch this video- https://www.youtube.com/watch?v=HreP1dspaQQ
I'M PREPARING FOR STATEPSC EXAM, HOW TO USE YOUR ECONOMY COURSE?
- The fundamentals of economy such as monetary policy repo rate, direct indirect taxes, WTO human development etc remain valid and useful for all types of
competitive exams where economy is part of the syllabus.
- Go through syllabus and previous papers of your StatePCS exam.
- Accordingly you will have to make some modification in the economy preparation.
- For example they could ask about the state budget, state Government schemes etc., Then prepare them accordingly from the the Finance Department
website of your state
WHAT TOPICS ARE YOU GOING TO TEACH IN ECONOMY?

I have addressed this query sufficiently at the lecture 1’s introductory part itself. Please re-watch the recorded session at https://unacademy.com/class/economy-
introduction-faq-about-course-upsc-prep/JDQMR3FR
DO I NEED TO MAKE NOTES FROM YOUR HANDOUT?

Handout itself is a revision note. There is no need to do double labour by making a note out of the note. Simply revise it often.
HOW SHOULD I REVISE ECONOMY FROM YOUR COURSE?

- Watch the video only once. Keep only having some doubt then rewatch the video or see its powerpoint.
- Revision of the handout three times, at minimum
- 1st time = chapter revision Before the weekly quiz
- 2nd time= whole handout Before the brand quiz at the end of my course
- 3rd time = whole handout, 2 weeks before the prelims.
- For other subjects, you may workout similar status yourself using the the books and material.
DO I'VE TO MEMORIZE FACTS, CAN I PASS PRELIMS JUST WITH 'BASIC UNDERSTANDING OF ECONOMY CONCEPTS'?
- in the Handout I have given previous years UPSC questions under the respective topics. Upon solving those questions you will realise that many of those
questions require you to memorize the factual details- like how was the owner of NHB? In what your SBI was nationalized, What is the full form of Niti
Aayog? How many number of members are there in the monetary policy committee? and so on.
- So it is very naive to think that basic understanding is sufficient to pass the exam when other candidates are going to mugup facts, and get a better score
than you in the race.
DO I'VE TO REMEMBER THE FULL FORM OF ALL ORGANIZATIONS AND SCHEMES?

- If you spot the name of the same organisation or scheme multiple times in handout or tv news or newspaper then you should remember its full form. e.g.
NITI, SEBI, NEFT, NPCi, IBBI, IRDAI, PFRDA, FATF, TLTRO, etc.
- It is not necessary to memorize the full form of low profile/obscure type of type of schemes or organisations e.g. ISIN, NACH.
WHAT TO READ FOR THE ECONOMY APART FROM YOUR HANDOUT?

I have addressed this query sufficiently at the lecture 1’s slide 97 to 106 itself. Please re-watch the recorded session. https://unacademy.com/class/economy-
SHOULD I BUY / READ RAMESH SINGH / SANJIV VERMA OR NOT?

No need for such books, if you are using my hand out. Because
1) Important factoids are covered here in handout1
2) Ramesh Singh has unnecessarily bloated his book with too much non exam oriented type share market and government report cut paste job.
3) Sanjiv Verma too superficial coverage of economy for the purpose of UPSC questions.
Further details in my lecture 1’s slide 97 to 106 itself. Please re-watch the recorded session.
WHICH NCERTS DO I HAVE TO READ FOR ECONOMY?

I have addressed this query sufficiently at the lecture 1’s slide 97 to 106 itself. Please re-watch the recorded session.
What/Why/How do I read Economic Survey / Yojana / Kurukshetra for economy?
I have addressed this query sufficiently at the lecture 1’s slide 97 to 106 itself. Please re-watch the recorded session. https://unacademy.com/class/economy-
SHOULD I MAKE NOTES FOR ECONOMIC CURRENT AFFAIRS?

● No need they are being covered in the handout. Even after your course is over they will be continued to be covered in the win20CSP / win21CSP series
even after your course is over. e.g. see And then follow Win20CSP series handouts available at https://mrunal.org/download#Win20CSP And (free)
Win20CSP series lectures available at https://unacademy.com/@mrunal.org/courses/?goal=all&type=special
● I do not make any false marketing claim that UPSC will not ask anything outside of it UPSC examiners are known for their Unpredictable temperament! But
then again cut off is never 200/200, So we never put excessive amount of efforts in a single area
WILL YOU BE TEACHING THE GOVERNMENT SCHEMES IN THIS LECTURE?

- All important government schemes will be covered except those related to the environment.
- These schemes will be given in the pillar wise manner in my handout e.g. Agriculture in 4A, education schemes in pillar 6 and so on.
- Which schemes are important for the exam? Ans. It will become clear to you as we progress through the various pillars.
ECONOMY → DOUBTS → SPECIFIC
WHY CHEQUE/DD/CARD NOT LEGAL TENDER?

- The conditions to become legal tender are sufficiently explained in the second lecture itself. Ref: https://unacademy.com/class/economy-pillar1a-money-
1-fiat-money-legal-tender-neft-rtgs/C5ELWLYA
- further, If customer drink a 10 rupees ki tea, and pay the amount in cheque/DD= there is no law that compels the tea seller to accept it. He is within his
rights to refuse the customers payment, and complaint abt the customer to the authorities (and thrash him also, depending on some lawless states of
India).
HOW IS SOV A FIAT MONEY?

If you read the handout page5 carefully word by word then you will find that SOV is meeting both the conditions to be a fiat money.
HOW IS CREDIT CARD AND OVERDRAFT DI FFERENT?

- Credit cards for shopping you carry in your pocket. card company will also offer you cashback points/discount @amazon / shopping mall etc.
- Whereas to avail the overdraft you have to visit the bank branch or log into its portal. they doesn't give u cashback points for it.
WHAT IF SOMEONE DOES NOT REPAY THE LOAN WHERE NO COLLATERAL IS GIVEN?
- e.g. student education loan.
- In every bank loan they require borrower to get signature of some guarentators (e.g. parents, colleagues, relatives, boss, etc.) So, even if the bank loan is
given without 'collateral', the bank will initiate legal action against those guarentators to recover the money. How that entire legal process works ? Ans =
We are not here for the LLB exam
DOUBTS OVER MONEY MULTIPLIER EFFECT

- slide number 64 and 65 https://unacademy.com/class/economy-pillar1a2-monetary-policy2-quantitative-tools-crr-slr-repo/SE011IEP
WHY IS REPO THE MAIN TOOL OF MONETARY POLICY, WHEN IT IS VERY INEFFECTIVE GIVING ANY RESULT?
- Because the other tools (e.g. MSF) are even less impactful on economy.
- And you cannot use CRR SLR too much or otherwise it will affect the bank run buffer protection. so repo is used.
- It is for some great economics like Dr Raghuram Rajan to invent some new tool of monetary policy that can be effective for India. But until that happens
just remember repo rate for sake of MCQs and move to the next topic.
HOW TO OPEN A BANK/SCHEDULED VS NON -SCHEDULE?

If you open a commercial bank at present, the steps are as following
1. First you have to register the company with Ministry of Corporate Affairs
2. then you've to mobilize minimum 500 cr capital. for this, If you want to issue shares in the share market then you have to get permission from SEBI
3. finally, If you want to open the bank you have to get license from RBI. If RBI is satisfied, it will give you licence as an non-scheduled (commercial) bank.
4. After that you run the bank, and once you satisfy the two conditions which we learnt in the class then RBI will give you the status of "scheduled
(Commercial) bank."
for more details: https://unacademy.com/class/economy-pillar1b1-fi-classification1-rbi-scb-psb-merger/76EJ6WRL
DOUBT OF PAID UP CAPITAL VS AUTHORIZED CAPITAL

explained in this following lecture @slide number 36 to 39
https://unacademy.com/class/economy-pillar1b1-fi-classification1-rbi-scb-psb-merger/76EJ6WRL
NARSIMHAM COMMITTEE
● 1970s = Narsimham committee formed for Financial inclusion and at that time he suggested RRB
● 1991 =same gentleman Narsimham’s committed formed for Banking sector reforms . So, when we say banking sector reforms, the first time Narsimham’s
committee made in 1991, then second time same gentleman’s committee made in the late 90s.
DOUBT OVER BANKING EQUATION

- The basic equation is "capital + liability + profit = assets".
- it's expanded into "share capital + bond capital + deposits liabilities + net profit = assets." for the simplifying the concept of BASEL norms / AT1 bonds.
Unnecessarily there is no need for so much hairsplittery / B.Com-giri over it ke where will you count X thing or Y thing. I could make a one hour YouTube
video on that but I don't really see the exam worthiness of that per suit.
WHAT IS PUBLIC ACCOUNT, CONSOLIDATED FUND & FISCAL DEFICIT?

- During the lecture 1C on "ways and means advances" and its handout , I have clearly said that "we will learn abt Public account and consolidated fund and
fiscal deficit in pillar 2 budget."
- so plz have patience. Lecture is not a Wikipedia page where you can click the links to directly jump to the thing you want to learn. Every topic comes in a
particular sequence.
- If you are more eager to learn everything in advance as per your mood, then please see the recorded videos of the previous batch.
https://unacademy.com/@mrunal.org
WHY IS EXCESSIVE GOLD CONSUMPTION BAD FOR ECONOMY?
- Explained in the Pillar1C: Inflation index bond lecture video itself, how gold consumption increases our import bill → weakens rupee → crude oil
expensive → petrol expensive → transport expensive → inflation. ref slide#73: https://unacademy.com/class/economy-pillar1b2-rbi-dividend-wma-

pill1c1-sebi1-debt-instruments-in-money-market/X2ICFIHI
- more we'll see in pillar3 lectures.
WHY IS REAL ESTATE SPECULATIVE INVESTMENT BAD FOR THE ECONOMY?
- One person needs only one house to live. But if he person starts buying 4-5 houses just for the sake of "Investment" → demand of houses increase
→ House prices increase → Inflation increase
- further, real estate investment also provides opportunities for tax evasion and generation of black money= which is also bad for the economy.
IPO/FPO
- Companies usually start as originally as private limited companies. when their business grows and they want more capital they will convert into public
limited companies. then they will issue shares for the first time for the public at large → so we call it IPO
- In future same public limited company may also require more capital so again they will issue more shares for the the second time, third time etc. →
then we call it FPO.
(ADR/ GDR/IDR) VS P- NOTES

- Explained in the P-notes topic itself. slide 64 to 71
- https://unacademy.com/class/economy-pillar1c1-sebi3-etf-reits-invits-p-notes-company-types/7PR0SB4F
- College level students aspiring to be IAS should be able to understand this much. if not understood then memorize it by rot-learning. यानन समज मे आया तो बहढया,
नहह तों रटटा मारो जजन्िाबाि- just like RBI's operation twist.
FINTECH/STARTUP/LOANS MODEL
Example questions include: How does "X" type of Fintech startup actually work e.g. Paytm, P2P, account aggregators or HOW can they do "Y" thing if it's not legally
allowed, how come they give loans at 0%EMI yet make profit?
- You can find the answer in their website's FAQ page or through some MBA research paper/case study. e.g. How does Policybazaar.com make money? etc,
how does P2P lenders recover money in default? how are 0%EMI loans structured?
- But since their 'real life business model' is not important for the scope of UPSC exam, Beyond the basic idea which we've got in the class.
- So I have not bothered to waste my time (and students' time) by teaching it in any more depth.
- e.g. "if IMPS is not free, then how come "X" type of App allow free transaction?" ans. Startup companies usually provide freebies/discount/cashback in the
beginning to attract more subscribers.
ESOP VS SWEET EQUITY

- Sweet equity sold at discounted price to the employee.
- Esop may be given free of cost to the employee.
SWEAT EQUITY VS SWEET EQUITY

- Sweet Equity= Explained in the lecture of pillar 1c
- Sweat equity Is a separate thing. you can do a Google search for itself but not important for the scope of exam, Because everything given in the Investopedia
is not important for the scope of exam. even though some inexperienced quizmaster/content writers randomly design mock MCQs from it, because They
have not bothered to observe the previous year UPSC question papers.
ECGC AND NIRVIC SCHEME
- exporter's premium/fees goes to ECGC. if he defaults on bank loan → ECGC covers the loss of bank.
- However, for administrative convinience, Exporter need not goto ECGC office himself. He can get the application form from the bank also.
- Just like how poor man can get the application form for Atal Pension Yojana from a bank.
OUTSIDE PHOTOFRAME/OPERATIONAL ASPECTS OF ECONOMY/ORG/LAW

- your question deals with Operational aspects of RBI / FinMin/xyz/legal procedures org. Which is not important for the scope of upsc exam's general
studies. e.g.
- "How comes IPPB a public limited companies when govt is single owner wheras public ltd company requires minimum 7 members?"
- "if X is given is Y also given"?
- Such questions falls outside the photoframe of how much is important for GS-Economy and/or Therefore I have not bothered touching it.
- When I have to teach economy for general studies, I've a photoframe in my mind about 'upto how big picture should i create'? I confine that photoframe's
coverage up to what is easily available in NCERT, std text books, Economic Survey, theHindu/Indianexpress. So if I have not given the answer in handout, it
usually means it was not a easily available in the said material or that it was available in a much more comprehensive way than what was required for
UPSC
- Beyond that if we are going to search five different website for each and every topic = We can make a more comprehensive handout and a much
bigger photoframe= but then handout will become 1500 pages and It will yield very poor cost benefit for the scope of UPSC exam. इसलिए जो पढ़ाया है , उससे
ज्यादा पंचात में उतरने से ज्यादा फायदा नह ं है .
- If you have so much thirst for knowledge you can do the Google search yourself but I don't think it will be the best use of your time given that there are so
many other things to study for the actual exam.
MORAL OUTRAGE, "AISA KYO HAI" "ISN'T X POLICY CONTRADICTORY TO Y POLICY"?

- You can satisfy your desire for further information or Anna Hazare like Social Activism by sending suggestion/RTI to Govt/RBI/File a public interest
litigation in Supreme Court etc.
- But, until your suggestions/demands are implemented, prepare the things as they are given handout, If you want to pass the exam.
- example questions: 'Why is RBI not allowed to print Rupees 1 notes?',
- "Why is "X" matter looked after "Y" ministry but not "Z" ministry?",
- "how come banks are allowed to write-off loans for tax benefit isn't it unethical?"
- You can satisfy your intellectual curiosity by Google in the answer yourself but I do not think it is the best use of your time if your target is to clear UPSC exam. I
limit how much content I have to teach depending on the official syllabus versus the trend of the previous years question papers. हरे क िीज की पांिायत करने को बैठे
तो लसलेबस खत्म ही नहीां हो सकता while Yoyo Honey Singh and Dhinchak Pooja type candidates who didnot waste time in such hyperthinking clear the UPSC and
upload photos on instagram with tag #enjoying-life-at-LBSNAA. #र्थोडा-पढो-आगे-बढो
PHD/ RESEARCH PAPER/OVERTHINKING

- The question which you have asked falls outside the general understanding that is required for UPSC preparation. You can satisfy your intellectual curiosity
by Google in the answer yourself but I do not think it is the best use of your time if your target is to clear UPSC exam.
- Further, If you are going to be stuck at everything with this much hyperthinking when are you going to finish the syllabus my dear student?
PERSONAL TUITION/PEDANTICISM/HAIRSPLITTERY/INSECURITY
I am unable to answer your question for one or more of following reasons"
1. The thing you are asking= is sufficiently explained in the respective lectures if you listen to the audio carefully and or if you read the handout word by word
carefully.
2. You are engaging in the type of pedanticism/hairsplittery which is not even required for the scope of UPSC. Maybe if you are suffering from some type of
insecurity that what if this type of PhD level question is asked? do not worry it is not going to be asked, And even if it gets asked the cut of is never 200 out
of 200 marks. And there is no separate medal given for solving the toughest UPSC MCQ.
3. Your school and college teachers were so pathetic that you are unable to even grasp/comprehend even the simplest of the things. Then as a coaching
faculty, I'm sorry, I can't give you personal tuition and spoon feeding Beyond what is already given in the classroom.
UNABLE TO FOLLOW TEACHERS' INSTRUCTIONS FROM LECTURE/HANDOUT

- sometimes students don't read / listen carefully and ask questions like "What is the meaning of Market-to- book ratio, or what is ESOP?" when I've already
clarified in the respective lecture or the handout that
- A) "it is not important to fully know what the given term/formula means or how it works. you only need to have a basic word association for MCQ
that there exists such a thing." AND OR
- B) "We will learn the given term in the separate pillar in the upcoming lectures"
- Still student asking me this it means following things:
- 1) Student is not listening properly to what teacher has said in the lecture/handout. Student may be treating this whole course as casual glancing
over some WhatsApp message.
- 2) Student may have mistaken this course has some type of College course. This is a competitive exam course. We are not here for intellectual
upliftment. We are here only to pass the cut off race. Student may satisfy his/her curiosity by doing the Google search but I do not think it is the
best use of time Given the poor cost-benefit of the matter For exam. Because by the time student is done with that intellectual pursuit, Yoyo Honey
Singh and Dhinchak Pooja would already have cleared the exam, and uploading their life@LBSNAA photos on instagram, without even investing
that much time / energy in it.
UNABLE TO UNDERSTAND THE TOPIC WHICH IS ALREADY SIMPLIFIED IN SUFFICIENT MANNER
- The PowerPoint and hand out which I am teaching you at present= it has evolved over last 10 years just like Win10 Operating system. I taught them in
multiple batches offline and online batches. IF students raised doubts, then it I simplified it further to prevent similar doubts in future batches.
- Consequently, at present the content is enough simplified and exam oriented enough that any Graduate Level Candidate aspiring to be IAS/IPS, should be
able to understand it even IF he has average level of intelligence. And I make that claim without arrogance or condescending attitude.
- So if student is unable to understand it, then one or more of following reasons to explain it:
a. Student is not attending the video of lecture. He is simply reading powerpoint/handout by himself. And therefore having all type of doubts which
are already explained in the lecture audio video itself.
b. Student is not listening to what I am teaching or not reading the handout properly. Student is just superficially glancing over the content like it
is a WhatsApp message or tv-serial. But the good thing is Student can re-watch the recorded video multiple times. OR
c. Student does not have the patience for the full picture to evolve. e.g. I am teaching about the money supply and monetary policy for India and his
brain is wandering into how it will affect the currency exchange rate. we'll learn that pillar 3. presently we are in pillar 1 so have the patience till
we reach pillar3. OR
d. Student is not interested in listening to what I am teaching. He is interested in overthinking/PHD-ing/hairsplittery outside the "photo frame".
Prime example is given in Virat Kohli wedding photo in Pillar1A2 lecture slide #64-65. https://unacademy.com/class/economy-pillar1a2-
monetary-policy2-quantitative-tools-crr-slr-repo/SE011IEP Such approach is definitely not helpful for passing the competitive exam. I cannot help
such students in that case. They have to help themselves. OR
e. Some students come from such school and colleges where their teachers failed to teach them even the most basic level of things. So they lack the
power to comprehend the most basic level of things like how event "A" will lead to "B". And then those 15 years of weakness in school-collage= a
coaching faculty can't rectify in 4 months of coaching. The sad reality of life = this is a competitive exam coaching class. IF 5000 other students
have understood it without complaint, then the coaching faculty will move to the next topic. He cannot sit and give personal tuition to every weak
student who is unable to understand the most basic thing. There is a limitation on how much spoon feeding can be done. I don't blame the student.
I blame his school-college teachers for that.
MOCK → WEEKLY ECONOMY TEST
SUGGEST ME BOOKS FOR ADDITIONAL PREPARATION OF ECONOMY MCQS

- Hand out contains all the notable questions of economy that were asked in the previous UPSC prelim exam
- Weekly quiz also contains additional questions
- So, already you're getting sufficient practice for economy MCQs. Better use your time for preparing other subjects, instead of looking for more practice
MCQs on Economy.
POOR SCORE IN ECONOMY WEEKLY ECONOMY QUIZ, WHAT TO DO, FEELING DEMOTIVATED?
● It also take some time to get used to the way MCQs are formed in UPSC. It basically involves changing of certain keywords and going to elimination method.
Once you get a hang of it it becomes very fast to tick or skip the answers.
● Those getting poorer scores are because
○ a) Not revising properly → Then solution is obvious =you have to revise more
○ b) Overthinking / Birbal ki Khichdi/engaging in hairsplittery/lawyer-LLB type mentality/ thinking outside the photoframe.
○ c) Not reading the words carefully
○ d) Silly mistakes like Incorrect statement is asked but they are taking the correct statement
● I am sure you will do well. Just focus on the lecture, revise the handouts and give the weekly Tests in regular fashion and rectify mistakes.
● When the first four pillars are over you will automatically see the big picture how everything fits together in the whole syllabus.
PLEASE GIVE SEPARATE PDF FILE CONTAINING YOUR WEEKLY QUIZ, ITS ANSWERS & EXPLANATIONS
- While I appreciate your enthusiasm but I do not have the ‘quiz’ outside the “embedded quiz system of unacademy portal” I have suggested the team
unacademy they should create some button to download it in the form of PDF file
- Secondly explanation cannot be given for each and every MCQ. that much spoon feeding is good for class 10 board exam, here student is supposed to know
and eliminate things by his own initiative as well.
SENIOR STUDENTS FINISHING WEEKLY QUIZ FAST / WHY NO NEGATIVE MARKING/ WHY RANK ON SPEED?
These answers are addressed in the June 25th class’s introductory part
https://unacademy.com/class/economy-pillar1a2-monetary-policy-i-money-supply-m0-m4-money-multiplier-crr-slr/89TUAVFB
PLEASE CHANGE EVERY MCQ IN EVERY NEW BATCH SO SENIOR STUDENTS CAN’T FINISH IT IN 5 MINUTES
● This is not a mathematics quiz where I can change the sum’s figures is every time. Iran’s currency is toman. how many ways can we spin this fact for
generating new MCQs for every quiz in every batch? If I apply my brain in this activity, when will I finish updating the lecture handouts and Powerpoint for
the next week while simultaneously also addressing some 300-500+ ‘doubts questions received in google form on weekly basis?
● I wish I was a machine,so I could work 24 by 7 without eating, sleeping, rest or any personal life. But until that happens we have to continue with the
present system.
PLEASE INCREASE THE NUMBER OF QUESTIONS ASKED IN THE WEEKLY QUIZ /LIVE CLASS/IN HANDOUT
If I increase the quantity of MCQ then their quality cannot be maintained. If a handout has 25 pages, and i try to create 100 MCQs from it, Then will end up being a
pedestrian quality clerk-exam level MCQs.
I AM UNABLE TO GET CORRECT ANSWER EVEN AFTER DOING 50:50 ELIMINATION STRATEGY
50-50 strategy requires that you should be familiar with many of the background factoids so that you can eliminate the wrong answers properly and even within
the remaining 2 options, you can pick up a more suitable optional because of your contextual knowledge of Many related subjects/theories. Therefore 50:50 it will
help second third attempt-walla candidates more compared to someone who has just started the preparation.
MOCK → PAID TEST SERIES BY PRIVATE INSTITUTES
SHOULD I JOIN ANY PAID TEST SERIES

● If you’ve just started preparation then It is too premature to join any test series for prelims or mains. test series are not a prerequisite to clear the exam,
many toppers have managed to do without any test series. Although test series do help augmenting preparation so what you can do is- Your unacademy
plus subscription comes with the free full package of mock tests for example weekly tests from see this https://unacademy.com/plus/test-series/weekly-
mock-tests-on-upsc-cse-prelims-paper-i-gs-2020/Q7GBCQCQ
● So, at present you only focus on Solving topicwise previous years papers and these (free) things which are coming with your plus subscription, no need to
separately spend money in joining other things. Once you gained sufficient practice / revision then you may explore joining prelim test series 2021.
I AM FEELING DEMOTIVATED AFTER POOR SCORE IN A PAID TESTSERIES

- Private classes test series are often designed by inexperienced content writers so it is not necessarily that whatever quiz they have frame = it is actual
reflection of the real UPSC exam. And therefore poor scores in the private mock test does not necessarily mean that you will not clear UPSC exam.
Therefore it is always advisable to observe the previous papers, So you can know whether the given mock test is within the scope of UPSC exam or just
pedaling garbage.
- so first you should finish a block of syllabus e.g. “Polity → fundamental rights”, then go through its topic wise papers of the previous years → if you
are unable to solve at least 50% of those questions even after finishing the syllabus → well then in that case It shows that you have not
finished/revised the syllabus properly. So rectify accordingly.
YOU ARE SUGGESTING THAT GO THROUGH PREVIOUS YEARS PAPER HOW MANY PREVIOUS YEARS PAPER SHOULD I SEE?
- for prelims from 2011 to 2019. (Because new prelims syllabus came into effect from this year)
- for mains from 2013 to 2019. (Because new mains syllabus came into effect from this year)
MOCK → MAINS ANSWER WRITING
Q. WHEN SHOULD I START DOING MAINS ANSWER PRACTICE?

- New entrant to gym teacher on day 1: "Tell me how to do 100 sets of 50kg dumbells just like Hrithik Roshan from day 1?"
- gym teacher: ''Have patience, first build the strength and stamina to lift those heavy dumbells."
- Similarly, It requires certain amount of supplementary reading/knowledge before a person has enough content to do the mains answer writing in proper
manner. It will come to you but you will have to read various topics for a period of time and finished a significant portion of syllabus.
- Prerequisite for a good answer writing is that person should have finished the core syllabus, has read newspaper columns for atleast 4 months, read
supplementary material like yojana-kurukshetra, NCERT Class11-12 Sociology and political science books etc.
- For a first attempt student the first & primary priority should be to finish the syllabus of the examination. "Daily answer writing ki pipudi" should not be
your primary objective. My Further thoughts on “WHEN to start answer writing” are given here: https://youtu.be/htcu1I2PAtk
- In our present economy course, we have started Answer writing from 21st June Sunday lecture please see it. Because everyone in this batch is not at the
same level of preparation. some of you may be fresher, some of you may be appearing for the second attempt in prelims, so i can't 'wait' for my side for
everyone to have 'finished' the syllabus before i teach answer writing here. But that does not mean it is compulsory that you have to immediately start it.
Q. DO I HAVE TO DO ANSWER WRITING ON DAILY BASIS OR FROM DAY1?

- If a topic is such that its direct answer is available in the handout or a book and the given topic is clearly understood and imprinted in your mind then no
need to do its answer writing.
- for getting pageviews/subscribers/buyers for test series = the e-learning website owners do daily tamashaa of Daily mains answer writing challenges but
If you are appearing in the examination for the first time then your priority should be to finish the subject's reading/syllabus first.
- My Further thoughts on “WHEN to start answer writing” are given here: https://youtu.be/htcu1I2PAtk
Q. WHERE CAN I FIND QS FOR MAINS ANSWER WRITING PRACTICE?

- previous years' topic wise Mains Qs are being solved in my (Free) special classes https://unacademy.com/@mrunal.org/courses/?goal=all&type=special
- further, you can find many articles at https://mrunal.org/mains
- Unacademy also running some courses that provide you mock questions. go through their landing page:
https://learn.unacademy.com/plus/goal/KSCGY/topics
Q. I AM UNABLE TO WRITE GOOD MAINS ANSWERS

- it requires continuous reading over a period of time through multiple sources like newspaper columns magazines etc.
- So no need to feel discouraged if initially you are unable to do good answer writing. Improvement will come automatically over period of time
- So read more things let your brain connect the dots among various subjects, automatically you will get the idea of the logical order of which type of point
should be mentioned first before others.
- On the first day of gym “how to make a body like Hrithik Roshan?” Ans. you have to exercise for at least 4 to 6 months.
HOW TO EVALUATE THE MAINS QUESTIONS GIVEN IN HANDOUT? / HOW DO I SENT MY ANSWERS TO YOU FOR EVALUATION?
- I cannot evaluate the answers written by you because of the paucity of time versus large size of batch.
- Please do the Self evaluation as per the instructions given in slide#93 of this 21st june sunday lecture
- https://learn.unacademy.com/plus/course/mrunals-economy-course-for-upsc-prelims-mains-2021/QTOO36CS?lesson=W0Y024BN
DOUBT OVER WORD LIMIT

● You don't have to count each word like 12345, Article preposition verb ko counted or not?
● Just take rough estimates of How many words on an average are you writing per line and how many lines are you writing per page.
● In most cases, it’ll be in range of 80-120 words per page, depending on your font size. Do the answer writing accordingly.
DOUBT OVER SPEED/TIME LIMIT IN ANSWER WRITING?

Q. I am unable to finish the answer writing in given time limit what to do?
Ans. Following reasons to explain your problem
1. Excessive time spent of Thinking before writing the answer.
2. Low speed in handwriting. "I have joined the gym today and like Hrithik Roshan I want to do 100 bench press from today itself." Ans = not possible from
day1. Have Patience and practice, automatically your writing speed will improve.
SHOULD I WRITING IN PARAGRAPH OR BULLET ?

● essay paper, ideally you should write in paragraphs.
● In other remaining papers= yes u can write in bullet points.
ADDITIONAL DEMANDS FROM TEACHER
PLEASE TEACH OTHER SUBJECTS
Presently my focus is on finishing the economy for this batch. If I start taking 5 others objects → quality cannot be maintained in any of them.
PLEASE TEACH ECONOMICS AS AN OPTIONAL SUBJECT

● I teach economy for UPSC general studies.
● Economics as an optional subject also involves a lot of thinkers and theories graphs and mathematics, Which are not important for the scope of general
studies ki economy. So, I do not keep track on economics as an optional subject so which books are more suitable according to the latest trend of mains
exam?- I am not in position to comment precisely.
● But, your unacademy plus subscription is like TV channel subscription: So take benefit from optional economics course by other teachers available at this
URL:
● https://unacademy.com/goal/upsc-civil-services-examination-ias-preparation/KSCGY/topic/CUSCZ/courses
LIVE CLASS → OTHER MISC. QUERIES
CHAT BOX / COMMENT BOX NUISANCE

Regarding the comment box chat. I understand your agony. About the comment box matter I have stated my standpoint in lecture1. -
1. There is a button in the student side of the web portal where you can close the chat box. Then only the slide and My Webcam stream will be available to you
and you can use the mouse cursor to move the webcam window around the slide
2. ignore chatbox chatting. whatever doubt you have, please ask me here in this Google form.
3. If someone is harassing /trolling you in the chat box, then complaint to help@unacademy.com
4. A few bad apples doesn’t mean Entire batch is full of such people. Yes for the first few lectures you may feel that too much nonsense is going on in the chat
box but eventually such non serious people will stop coming once their initial enthusiasm about IAS preparation is over.
PLEASE CHANGE LECTURE TIMING TO “X” DAY OR “Y” HRS

if you cannot attend the live lecture then It is advisable that you may watch the recorded sessions.
PLEASE REDUCE THE DURATION OF YOUR CLASS I CANNOT SIT FOR 2 HOURS
Replied in the introductory part of the first lecture itself.
PLEASE DO NOT GIVE ANY BREAKS. TEACH CONTINUOUSLY FOR 2 HOURS JUST LIKE SOME OTHER EDUCATORS
● My throat also requires some rest, And my eyes also require some rest from looking at the computer screen continuously.
● So, the break is not only meant for students but also made for me as a teacher.

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Educational Queries in Mrunal’s Economy Course at Unacademy Plus (Batch PCB1) Discount Code: ‘Mrunal.

My option subject not available in unacademy Plus? ......................................................................................................................................................................................................................... 84

Admission → Previous Batch Student ........................................................................................................................................................................................................................................................ 86

Economy → Doubts → General ........................................................................................................................................................................................................................................................................ 93

How should I revise economy from your course?................................................................................................................................................................................................................................ 95

Economy → Doubts → Specific ........................................................................................................................................................................................................................................................................ 98

Why cheque/DD/card not legal tender? .................................................................................................................................................................................................................................................. 98

Fintech/Startup/Loans Model ....................................................................................................................................................................................................................................................................101

Mock → Weekly Economy Test ....................................................................................................................................................................................................................................................................105

Suggest me books for additional preparation of economy MCQs ...............................................................................................................................................................................................105

Mock → Paid Test Series by private institutes .......................................................................................................................................................................................................................................107

Should I join any paid test series ...............................................................................................................................................................................................................................................................107

Mock → Mains Answer Writing ......................................................................................................................................................................................................................................................................108

Q. When should I start doing Mains Answer practice? ....................................................................................................................................................................................................................108

Live Class → Other Misc. queries ................................................................................................................................................................................................................................................................111

Chat box / comment box nuisance............................................................................................................................................................................................................................................................111

if proportional then problem --> cooperative

sir for tamil nadu books history, should i

1) What happens to loans in bank in case of

Hello sir. 1)Welcome to my course at Unacademy Plus! For answer to your

13/07/2020 Do all companies who issue shares in the

Sir, in one of the MCQ's you had said that

- first movie ko "movie" bolte hai. Second time produced the

1. Sir, if we want to mention some

2. You are really amazing sir I started

Why DD, cheque, ATM card is not legal

Also , when Indian companies or state govt.

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With reference to Operation Twist, consider the

1. It involves simultaneous purchase and sale of

2. It aims to increase long-term lending by banks. Sir

hello sir , lucky to have you as mentor

sir my attempt 2021economy sir notes ko revision

What is exactly meant by the term "Refinance"?

Hello sir, namashkar.

SMA-0, NPA = these are the methods of classifying the bad

Please tell me how should I plan my revision. I have

Ans. scrolldown in PDF → FAQ → Gen Qs on

Using NEFT requires that entity must have an IFSC code.

Aapka lecture attend kiya par mujhe

LAF and REPO RATE me difference samajh

Me nhi aaya ...

LAF = name of the window of RBI's e-kuber platform.

Thank you so much for answering me..

Ans. Scrolldown in PDF → FAQ: Mock → Mains Answer

Short term bonds are called unsecured since no

Sir,why an investment in gold and real estate is bad

Why is it investment in gold doesn't contribute to

reverse repo = buyback guarenteeby RBI

Honorable Sir, as I am appearing for 2023 so I am

- So you can utilise such free resources. There is no

wise question book), not about your course.

- Not important for the

11:38:25 do it in parliament, not rbi.

Unacademy Plus! For answer to

your question, plz scroll down in

this PDF → FAQ: Economy Doubts

Unacademy Plus! For answer to

your question, plz scroll down in

this PDF → FAQ: Economy Doubts

- colorblind person eligible