Note4Students
From UPSC perspective, the following things are important :
Prelims level: Read the attached story
Mains level: Not Much
Central Idea
- On December 30, 1971, two pivotal laws were enacted, reshaping the administrative landscape of Northeast India.
- These laws marked a transition from the traditional unit of Assam to the broader concept of ‘Northeast India’.
Formation and Composition of Northeast India
- States in the Northeast: The region officially includes Arunachal Pradesh, Assam, Manipur, Meghalaya, Mizoram, Nagaland, Sikkim, and Tripura, under the North-Eastern Council.
- Pre-Independence Structure: Before Independence, Arunachal Pradesh, Assam, Meghalaya, Nagaland, and Mizoram were part of colonial Assam. Manipur and Tripura were princely states with British political officers, while Sikkim, under British paramountcy, became an independent country in 1947 and was annexed by India in 1975. Sikkim joined the North-Eastern Council in 2001.
Colonial Context and Frontier Province Dynamics
- Assam as a Frontier Province: Colonial Assam was a frontier province in British India, akin to the North West Frontier Province (now Khyber Pakhtunkhwa, Pakistan).
- Administrative Divisions: The province was divided into ‘settled districts’ (like present-day Assam and Sylhet in Bangladesh) and ‘excluded areas’ or ‘Hill areas’ (like modern-day Arunachal Pradesh and parts of Nagaland).
The North Eastern Council (NEC) is composed of the following members:
- Governors and Chief Ministers of the Member States: Each of the eight states in the North Eastern region, including Assam, Arunachal Pradesh, Meghalaya, Mizoram, Tripura, Sikkim, Nagaland, and Manipur, is represented by their respective Governors and Chief Ministers. These members are ex-officio members of the Council.
- Chairman: The Chairman is also a member of the Council, although the specific identity of the Chairman is not mentioned in the provided sources.
- Three Members Nominated by the President: The President of India nominates three additional members to the Council. These members are also part of the NEC
Post-Independence Security and Administrative Shifts
- Unique Post-1947 Challenges: After 1947, the region’s borders became largely international, with a narrow land corridor connecting it to the rest of India.
- Creation of Nagaland: The state of Nagaland was created in 1963, following the Sino-Indian War of 1962, as part of efforts to integrate the Naga people into the Indian state.
North-Eastern Areas (Reorganisation) Act of 1971
- Statehood and Union Territories: Manipur and Tripura were elevated to statehood, Meghalaya was formed from Assam, and Mizoram and Arunachal Pradesh were established as union territories, later becoming states in 1987.
- Strategic Reorganization: This Act represented a strategic shift from the colonial frontier governance to a modern state structure.
Concept and Implications of ‘Northeast India’
- Directional Naming and Identity: The term ‘Northeast India’ highlights the region’s distinct identity and its hierarchical relation to the Indian heartland.
- Racial and Cultural Dimensions: The term ‘Northeasterner’ has often led to racial stereotyping and issues of identity and recognition.
Conclusion
- Complex Administrative Evolution: The formation of Northeast India is a testament to the region’s complex history and the Indian state’s response to unique geopolitical challenges.
- Continued Struggle for Recognition: Despite legislative milestones, Northeast India continues to face challenges in national integration, identity politics, and equitable development.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: Genomic Medicine
Mains level: Read the attached story
Central Idea
- Over the past two decades, genomics and the use of genetic information in healthcare have undergone significant transformations.
- Once limited to major research centers, personal genome sequencing has become widely accessible, empowering individuals with detailed knowledge of their genetic makeup.
What is genome sequencing?
- Genome sequencing is the process of determining the complete DNA sequence of an organism’s genome.
- The genome is the entire set of genetic material (DNA in the case of most organisms) that provides the instructions for building, maintaining, and functioning of the organism.
- Genome sequencing involves identifying the order of nucleotides (adenine, thymine, cytosine, and guanine) in an organism’s DNA.
Applications of Personal Genome Sequencing
- Disease Risk Assessment: Personal genome sequencing can identify genetic variants associated with an increased risk of certain diseases, such as cardiovascular conditions, cancer, and neurodegenerative disorders.
- Pharmacogenomics: Personal genome sequencing helps predict how an individual will respond to specific medications, allowing for the customization of drug prescriptions based on genetic factors.
- Cancer Genomics: Personal genome sequencing of cancer cells helps identify specific mutations driving tumor growth.
- Rare Genetic Disorders: Personal genome sequencing is a powerful tool for diagnosing rare genetic disorders, particularly in cases where traditional diagnostic methods may be inconclusive.
- Reproductive Health: Couples planning to have children can undergo personal genome sequencing to assess the risk of passing on genetic conditions to their offspring.
- Forensic Identification: Personal genome sequencing can be used in forensics for human identification and the resolution of criminal investigations.
- Research and Scientific Discovery: Aggregated personal genomic data from large populations contribute to ongoing research, advancing our understanding of the genetic basis of diseases and human biology.
Case Study: Iceland’s Genetics Research
- Iceland’s Unique Demographics: Iceland’s historical demographic isolation and early initiation of population-level genome sequencing have made it a focal point in genetics research.
- Research on Lifespan and Genetic Variants: A study in Iceland suggested that actionable incidental genetic variants could potentially improve lifespan, with significant findings related to cancer-related genotypes.
Future of Genome Sequencing and Healthcare
- Increasing Accessibility: As genome sequencing becomes more accessible and affordable, regular population-scale sequencing and newborn sequencing initiatives are becoming more feasible.
- Benefits for Population Health: Widespread implementation of these programs could provide medically actionable insights, enabling proactive and effective disease treatment and prevention.
- Advancements in Technology: Current genome sequencing technologies, often referred to as second-generation sequencing, have limitations in handling repetitive sequences and resolving structural variations. Third-generation sequencing technologies, such as single-molecule sequencing, are expected to overcome these challenges and provide longer read lengths, improving the accuracy and completeness of genome sequences.
Conclusion
- The advancements in genomics are paving the way for a more proactive and personalized approach to healthcare, with significant potential for disease prevention and management.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: Health Tax
Mains level: Read the attached story
Central Idea
- Public health researchers recommend a health tax of 20% to 30% on sugar, sugar-sweetened beverages (SSBs), and high-fat, salt, and sugar (HFSS) products, in addition to the existing GST.
- The recommendation stems from a UNICEF-funded project, aiming to influence policies to reduce sugar consumption.
Study Insights and Recommendations
- Targeting Bulk Consumers: The study suggests taxing bulk consumers like confectionery manufacturers, rather than household sugar purchases.
- Definition of Sugar: The study includes all forms of refined, unrefined sugar, and gur (brown cane sugar) used by manufacturers.
- Impact on Manufacturers: Manufacturers, who buy up to 55% of India’s annual sugar production, are expected to be more price-sensitive than households.
Tax Implications and Demand Reduction
- Niti Aayog’s Interest: Niti Aayog is exploring the impact of health taxes and warning labels on food products to promote healthy eating in India.
- Current and Proposed Tax Rates: Sugar is currently taxed at 18% GST. The proposed additional tax could raise the total tax to 38-48%.
- Price Elasticity Metric: The study uses ‘Price Elasticity’ to estimate demand reduction. A 10% price increase could lead to a 2% demand reduction for households and a 13-18% reduction for manufacturers.
- Health Tax on Beverages and HFSS Products: A 10-30% health tax on SSBs could decrease demand by 7-30%, while a similar tax on HFSS products might lead to a 5-24% decline.
Government Revenue and Public Health Impact
- Increase in Tax Revenues: Additional taxes could boost government revenues by 12-200% across different scenarios.
- Current Tax Rates on Products: Sugar attracts 18% GST, SSBs 28% GST plus 12% cess, and HFSS products 12% GST.
- Public Health Benefits: Higher taxes on unhealthy foods could reduce obesity, diabetes, cardiovascular diseases, and certain cancers.
India’s Sugar Consumption and Health Risks
- India’s Sugar Intake: India is the world’s largest sugar consumer, with an average consumption of 25 kg per person per year, exceeding WHO recommendations.
- Rise in Sugar-Related Health Issues: There has been a significant increase in the sale of aerated drinks and HFSS food products, contributing to obesity and diabetes.
Taxation and Reformulation
- Encouraging Product Reformulation: The proposed tax rate is linked to sugar volume, encouraging manufacturers to reduce sugar content in products.
- Taxing Sugar Replacements: The study also recommends taxing artificial sweeteners to prevent manufacturers from switching to cheaper, unhealthy alternatives.
Global Precedents and Outcomes
- Health Tax Implementation Worldwide: Over 70 countries, including Mexico, Chile, and South Africa, have implemented health taxes on sugar and related products.
- Positive Outcomes in Mexico: In Mexico, the taxation on SSBs led to decreased consumption of taxed beverages and a reduction in mean BMI among younger age groups.
Conclusion
- Potential for Health Improvement: Imposing a health tax on sugar and related products could significantly contribute to public health improvement in India.
- Consideration of Economic Factors: The success of such a policy will depend on balancing health benefits with economic impacts on consumers and manufacturers.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: OTT Regulation
Mains level: Read the attached story
Central Idea
- The Centre’s new draft Broadcasting Services (Regulation) Bill, 2023, aims to revamp the regulatory framework for the broadcasting sector in India.
- The Bill extends regulatory oversight from conventional television services to OTT platforms, digital content, and emerging technologies.
Key Provisions of the Draft Bill
- Single Legal Framework: The Bill seeks to establish a unified legal structure for various broadcasting services, replacing the three-decade-old Cable Television Networks (Regulation) Act.
- Mandatory Registration and Self-Regulation: It introduces mandatory registration for broadcasting services, the creation of content evaluation committees for self-regulation, and establishment of programme and advertisement codes.
- Three-Tier Regulatory Mechanism: The Bill proposes a three-tier regulatory structure, including self-regulation by broadcasters, self-regulatory organizations, and a Broadcast Advisory Council.
Government’s Objectives and Concerns Raised
- Ease of Doing Business: The government claims the Bill will enhance ease of doing business and update the regulatory framework to match the sector’s evolving needs.
- Freedom of Speech Concerns: However, there are apprehensions about potential censorship and infringement on freedom of speech, especially for digital media.
Specifics of the Draft Bill
- Intimation of Operations: The Bill requires formal registration or intimation to the government for broadcasting services, with exceptions for entities like Prasar Bharati.
- Modern Broadcasting Definitions: It includes definitions for broadcasting, broadcasting networks, and network operators, encompassing internet broadcasting networks like IPTV and OTT services.
- Content Quality and Accessibility: Broadcasters must adhere to yet-to-be-defined Programme and Advertisement Codes and classify their content for viewer discretion. The Bill also emphasizes accessibility for persons with disabilities.
Self-Regulation and Government Oversight
- Content Evaluation Committees: Broadcasters must establish committees with diverse representation for content certification, except for shows exempted by the government.
- Broadcast Advisory Council: An advisory council will oversee regulation implementation, with the power to make recommendations to the government.
Inspection, Seizure, and Penalties
- Inspection Rights: The Centre and authorized officers can inspect broadcasting networks and services, raising concerns about government overreach.
- Penalties for Non-Compliance: The Bill includes penalties like removal of shows, apologies, off-air periods, or cancellation of registration for non-compliance.
Concerns and Critiques
- Digital Rights and Free Speech: Organizations like the Internet Freedom Foundation express concerns about the Bill’s impact on online free speech and creative expression.
- Ambiguity and Rule-Making: The Bill’s numerous instances of “as may be prescribed” or “as notified by the Government” create uncertainty for stakeholders.
- Impact on Digital Platforms: Experts highlight the need for careful consideration of the Bill’s impact on online content creators and the digital space’s dynamism.
Conclusion
- The bill, represents a significant shift in India’s broadcasting sector regulation, aiming to encompass modern digital platforms while raising critical questions about content regulation, freedom of expression, and government oversight.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: Census of India
Mains level: Read the attached story
Central Idea
- Initially planned for 2020, the Census exercise is now postponed to at least October 2024, considering the time required for preparatory activities post-boundary setting.
- The delay also postpones the implementation of the law reserving 33% of seats for women in Parliament and State Assemblies, which is contingent on Census completion.
About the Census of India
- The decennial Census of India has been conducted 16 times, as of 2021.
- While it has been undertaken every 10 years, beginning in 1872 under British Viceroy Lord Mayo, the first complete census was taken in 1881.
- Post 1949, it has been conducted by the Registrar General and Census Commissioner of India under the Ministry of Home Affairs.
- All the censuses since 1951 were conducted under the Census of India Act, 1948.
- The last census was held in 2011, whilst the next was to be held in 2021.
Background of Women’s Reservation Delay
- 128th Constitutional Amendment Act, 2023: Known as the Nari Shakti Vandan Adhiniyam, this Act mandates one-third reservation for women, effective post-delimitation based on the latest Census.
- Presidential Assent and Delimitation: The Act, receiving Presidential assent in September 2023, awaits the delimitation exercise, which depends on the new Census data.
Census Delays and COVID-19 Impact
- Historical Consistency: India has conducted a Census every decade since 1881, with the latest phase initially set for April 2020.
- COVID-19 Pandemic Disruption: The pandemic necessitated the postponement of the Census, leading to continued reliance on 2011 data for policy and subsidy decisions.
- Lack of Clarity in Recent Notifications: Recent notifications have not specified reasons for the delay, moving away from earlier attributions to the pandemic.
Census Preparation and Questionnaire Status
- Houselisting and Housing Schedule: The first phase questionnaire was notified in January 2020, including 31 questions.
- Population Enumeration Phase: The second phase, with 28 finalized questions, awaits official notification.
Delay in Vital Statistics Reports
- Non-Release of Recent Reports: The RGI and Census Commissioner’s office have not released reports on births, deaths, and causes of deaths for 2021, 2022, and 2023.
- Importance of Vital Statistics: These reports are crucial for planning and evaluating health care, family planning, and educational programs.
- Last Released Reports: The latest available reports cover up to the year 2020, including new codes for COVID-19 related deaths.
Conclusion
- Evidence-based policymaking amidst delays: The extended timeline for the Census necessitates strategic planning to ensure accurate data collection and analysis.
- Awaiting Women’s Reservation Implementation: The delay underscores the need for adaptive measures to implement the women’s reservation law effectively once the Census is completed.
- Broader Implications for Governance: The postponement affects various aspects of governance and policy-making, highlighting the importance of timely and accurate demographic data.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: Genocide Convention, 1948
Mains level: Not Much
Central Idea
- South Africa has petitioned the International Court of Justice (ICJ) to declare Israel in breach of the 1948 Genocide Convention.
Genocide Convention, 1948
|
Details |
| Full Name |
Convention on the Prevention and Punishment of the Crime of Genocide |
| Adoption Date |
December 9, 1948 |
| Primary Aim |
To prevent and punish the crime of genocide |
| Definition of Genocide |
Acts committed with intent to destroy, in whole or in part, a national, ethnical, racial, or religious group |
| Key Provisions |
Includes killing or causing harm to members of a group, deliberately inflicting destructive conditions, imposing measures to prevent births, and forcibly transferring children |
| Punishable Acts |
Genocide, conspiracy, incitement, attempt, and complicity in genocide |
| Implementation and Enforcement |
States must enact legislation to give effect to the Convention’s provisions and provide penalties for perpetrators;
Genocide recognized as a crime under international law |
| Historical Context |
Created post-Holocaust and World War II as a global commitment against atrocities |
| Legal Framework Impact |
Established legal basis for defining and prosecuting genocide, influencing international criminal law |
| India’s Involvement |
Ratified by India on August 27, 1959;
Principles incorporated into India’s domestic legal system |
South Africa’s Stance and Actions
- Preventive Obligation: Following its application to the ICJ, South Africa stated its obligation to prevent genocide, seeking urgent provisional measures to halt violence in Gaza.
- Israel’s Response: Israel has strongly condemned South Africa’s accusations, terming them as “blood libel.”
- Potential Impact of ICJ Ruling: Even if the ICJ issues provisional measures, Israel, like Russia in the Ukraine case, may choose to ignore them.
Historical Roots of South Africa’s Position
- Longstanding Criticism of Israel: South Africa has a history of criticizing Israel, including suspending diplomatic relations and expressing solidarity with Palestine.
- Colonialism and Empathy for Palestine: South Africa’s own history of colonialism and apartheid has fostered empathy towards the Palestinian cause.
- Influential Figures: Leaders like Nelson Mandela have historically supported Palestinian rights.
- Resistance to Western Influence: South Africa’s stance is partly influenced by a desire to resist Western-dominated worldviews, evident in its approach to global issues like the Russia-Ukraine conflict.
Economic and Political Considerations
- Trade Relations with Israel: Despite being Israel’s largest African trading partner, South Africa has maintained its support for Palestine.
- Shift in African Nations’ Stance: While many African countries have softened their stance towards Israel, South Africa remains steadfast due to the ANC’s anti-discrimination roots and resistance to Western hegemony.
Conclusion
- Balancing Trade and Ideology: South Africa’s actions reflect a complex interplay of historical empathy, political ideology, and economic considerations in its foreign policy.
- Global Implications: This move at the ICJ underscores the ongoing tensions in international relations, particularly in the context of the Israeli-Palestinian conflict and broader geopolitical dynamics.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: X-Ray Polarimeter Satellite (XPoSat)
Mains level: Read the attached story
Central Idea
- The Indian Space Research Organisation has rang in the new year with the launch of the PSLV-C58 X-ray Polarimeter Satellite (XPoSat) mission on January 1, 2024.
About XPoSat Mission
- Orbital Details: XPoSat will operate in a Low Earth Orbit at an altitude of about 650 km, with a low inclination of around 6 degrees.
- Dual Scientific Payloads: The satellite is equipped with two payloads, enabling comprehensive studies of X-ray sources, including their temporal, spectral, and polarization characteristics.
- Mission Goals: XPoSat’s primary objectives include measuring X-ray polarization in the 8-30 keV energy band and conducting long-term studies in the 0.8-15 keV band.
- Mission Lifespan: The satellite is expected to be operational for approximately 5 years.
- Observation Strategy: Observations by XPoSat will primarily occur during the Earth’s eclipse period to maximize efficiency.
Payloads aboard XPoSat
- POLIX – Primary Payload: The Polarimeter Instrument in X-rays (POLIX), developed by Bengaluru’s Raman Research Institute (RRI) with ISRO’s collaboration, is tailored to assess the degree and angle of polarization in medium X-ray energy ranges.
- XSPECT – Secondary Payload: The X-ray Spectroscopy and Timing (XSPECT) payload, created by ISRO’s U.R. Rao Satellite Centre (URSC), will gather spectroscopic data in the 0.8-15 keV range.
Significance of XPoSat
- Polarization refers to the orientation of light waves. X-rays, a form of electromagnetic radiation, can also be polarized.
- Studying it from cosmic sources provides valuable information about the physical conditions and processes occurring in extreme environments, such as around black holes, neutron stars, and supernova remnants.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: Chameleon Trojan
Mains level: Not Much
Central Idea
- Security researchers have identified an updated version of the ‘Chameleon Trojan’ malware, capable of disabling biometric authentication methods.
Chameleon Trojan
- The malware’s primary objective is to steal the phone’s PIN by bypassing fingerprint and face unlock security features.
- This trojan attaches itself to legitimate Android applications, such as Google Chrome, to evade detection.
- It operates in the background and is reportedly undetectable during runtime, bypassing Google Protect alerts and other security software.
- It exploits the Accessibility service on Android 12 and earlier versions, while on newer versions, it circumvents Google’s security restrictions through different methods.
Modus Operandi of Chameleon Trojan
- To bypass new restrictions, the malware displays an HTML page instructing users to enable the Accessibility service for the app, compromising device security.
- Once active, it captures on-screen content, navigates using gestures, and steals PINs and passwords, subsequently accessing more sensitive data like credit card details and login credentials.
- The malware also tracks app usage habits to time its attacks when the device is least likely to be in use.
Protection against Chameleon Trojan
- Users are advised to avoid installing Android apps from unofficial sources to reduce the risk of malware infection.
- Be wary of enabling the Accessibility service for apps that are not well-known or trusted.
- Conducting regular security scans on the device can help in identifying and mitigating threats.
- Ensuring that Google Play Protect is enabled at all times is recommended for continuous monitoring and protection against malware.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: Maulana Azad National Fellowship
Mains level: Read the attached story
Central Idea
- Research students have raised concerns about the disparity in scholarship amounts under the Maulana Azad National Fellowship (MANF) compared to other research fellowships.
About Maulana Azad National Fellowship
|
Details |
| Objective |
To support students from minority communities in pursuing M.Phil. and Ph.D. |
| Launch |
Launched by the Ministry of Minority Affairs, Government of India |
| Eligibility |
Students from minority communities (Muslims, Sikhs, Christians, Buddhists, Zoroastrians, Jains) who have cleared CBSE/NTA-UGC NET or CSIR NET |
| Financial Assistance |
Covers university fee, maintenance allowance, and other necessary allowances; granted for up to 5 years |
| Administration |
Managed by the Ministry of Minority Affairs; University Grants Commission (UGC) as the nodal agency |
| Selection Process |
JRF-NET (Junior Research Fellow- National Eligibility Test) examination |
| Purpose and Impact |
Encourages higher studies and research in various fields; aims at educational and socio-economic development of minority communities |
Recent Developments and Concerns
- Discontinuation of MANF: Union Minority Affairs Minister announced the discontinuation of MANF, citing overlaps with similar scholarships.
- Research Community’s Reaction: The research community, represented by the All India Research Scholars Association (AIRSA), has expressed disappointment, emphasizing the role of research in socio-economic development and the importance of MANF for financially constrained minority students.
Comparison with Other Fellowships
- Last Revision in 2019: The last increase in MANF scholarship amounts was in 2019, while other scholarships have seen recent revisions.
- Current Fellowship Amounts: UGC-approved schemes now offer ₹37,000 for junior researchers and ₹42,000 for senior researchers, a significant increase from previous amounts.
Also read:
Scholarship Schemes for Religious Minorities: Reality Check
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: Core Sector
Mains level: Read the attached story
Central Idea
- India’s eight core sectors experienced a significant slowdown, growing by 7.8% in November, down from 12% in October.
About Core Industries in India
- The main or key industries constitute the core sectors of an economy.
- In India, eight sectors are considered the core sectors.
- These sectors are in decreasing order of their weightage: Refinery Products> Electricity> Steel> Coal> Crude Oil> Natural Gas> Cement> Fertilizers.
About Index of Eight Core Industries
- The monthly Index of Eight Core Industries (ICI) is a production volume index.
- ICI measures the collective and individual performance of production in selected eight core industries viz. Coal, Crude Oil, Natural Gas, Refinery Products, Fertilizers, Steel, Cement and Electricity.
- Before the 2004-05 series six core industries namely Coal, Cement, Finished Steel, Electricity, Crude petroleum and Refinery products constituted the index basket.
- Two more industries i.e. Fertilizer and Natural Gas were added to the index basket in the 2004-05 series. The ICI series with base 2011-12 will continue to have eight core industries.
The components covered in these eight industries for compilation of the index are as follows:
- Coal – Coal Production excluding Coking coal.
- Crude Oil – Total Crude Oil Production.
- Natural Gas – Total Natural Gas Production.
- Refinery Products – Total Refinery Production (in terms of Crude Throughput).
- Fertilizer – Urea, Ammonium Sulphate (A/S), Calcium Ammonium Nitrate (CAN), Ammonium chloride (A/C), Diammonium Phosphate (DAP), Complex Grade Fertilizer and Single superphosphate (SSP).
- Steel – Production of Alloy and Non-Alloy Steel only.
- Cement – Production of Large Plants and Mini Plants.
- Electricity – Actual Electricity Generation of Thermal, Nuclear, Hydro, imports from Bhutan.
Recent data: Sector-Wise Growth Details
- Decline in ICI: The ICI witnessed a 3.34% drop from October, marking its lowest since March 2023.
- Sector-Specific Trends: Notably, only refinery products and coal showed month-on-month growth, with significant year-on-year increases.
- Steel Production: Growth in steel production hit a 13-month low at 9.1%.
- Crude Oil and Fertilizer: Crude oil saw a contraction, while fertilizer production growth decelerated.
- Natural Gas and Electricity: Both natural gas output and electricity generation growth slowed down considerably in November.
Comparative Analysis with Previous Year
- Year-on-Year Comparison: The core sectors had a 5.7% growth in November 2022.
- Influence of Base Effects: Last year’s high growth in certain sectors like cement significantly influenced this year’s comparative figures.
Economic Insights and Projections
- Bank of Baroda’s Perspective: The slowdown in fertilizer growth aligns with the end of the rabi sowing season, as per the bank’s chief economist.
- IIP Forecast: The core sectors are expected to contribute to an IIP growth of 7%-8%.
- Economists’ View: Experts predict a continued slowdown in core sector growth due to strong base effects from the previous fiscal year.
Future Expectations and Challenges
- India Ratings and Research Predictions: A slowdown in core sector growth is anticipated in the coming months, influenced by the strong base effect.
- Broader Economic Impact: This slowdown is indicative of larger economic challenges, potentially affecting future policy and market expectations.
Conclusion
- Economic Resilience Test: The trends in India’s core sectors underscore the challenges in sustaining growth amid diverse economic conditions.
- Need for Strategic Economic Planning: Addressing these slowdowns will require astute economic planning and possibly new strategies to boost growth in these key sectors.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: Press and Registration of Periodicals Bill, 2023
Mains level: Not Much
Central Idea
- The Press and Registration of Periodicals Bill, 2023, faced opposition uproar but was passed in the Rajya Sabha on August 3. Subsequently, it was approved in the Lok Sabha on December 21, marking its legislative passage.
Press and Registration of Periodicals Bill: Purpose and Objectives
- Repealing the 1867 Act: The Bill aims to repeal the Press and Registration of Books Act, 1867, modernizing the regulatory framework for periodicals.
- Key Provisions: It includes a notable clause preventing individuals convicted of terrorism or acting against state security from publishing periodicals.
- Rationale for Introduction: The Bill focuses on easing business processes for publishers, removing procedural hurdles, and reducing the administrative burden of declarations and filings.
Comparison with the 1867 Act
- Exclusion of Books: Unlike the 1867 Act, the 2023 Bill excludes books from its purview, as they fall under the HRD Ministry’s jurisdiction.
- Penalty Structure: The new Bill replaces imprisonment with fines for certain violations and introduces an appellate mechanism led by the Press Council of India Chairman.
- Shift in Administrative Power: Power is transferred from the District Magistrate to the newly established Press Registrar General, centralizing the registration and regulation process.
Declaration and Registration Process
- Simplification of Procedures: The Bill simplifies the declaration process, eliminating the need for DM involvement and allowing online intimations for printing presses.
- Simultaneous Processing: It enables concurrent processing of title allotment and registration applications, streamlining the procedure.
- Time-Bound Responses: The specified authority must provide feedback within 60 days, expediting the registration process.
UAPA Provision in the Bill
- Restriction on Convicted Individuals: The Bill bars individuals convicted of terrorist acts or unlawful activities, as defined under the Unlawful Activities (Prevention) Act, 1967, from publishing periodicals.
- Security Concerns: This provision addresses concerns about the misuse of periodicals for activities threatening national security or sovereignty.
Conclusion
- Modernizing Media Regulation: The Press and Registration of Periodicals Bill, 2023, represents a significant overhaul of India’s media regulatory framework, aligning it with contemporary needs.
- Balancing Ease of Business and Security: While the Bill aims to facilitate easier operations for publishers, it also incorporates measures to safeguard against security threats.
- Potential for Debate and Discussion: The Bill’s passage, amidst opposition concerns, suggests ongoing debates about media freedom, security, and regulatory oversight in India’s evolving democratic landscape.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: Polygraph Test
Mains level: Read the attached story
Central Idea
- In the ongoing investigation of the Parliament security breach, Delhi Police sought court permission for polygraph tests on six accused to uncover their motives.
- A polygraph test, commonly known as a lie detector test, measures physiological responses believed to differ when a person lies.
Mechanics of a Polygraph Test
- Physiological Monitoring: The test involves attaching instruments like cardio-cuffs or sensitive electrodes to monitor blood pressure, pulse, and other variables.
- Response Analysis: As questions are asked, responses are numerically evaluated to determine truthfulness, deception, or uncertainty.
- Historical Origin: First conducted in the 19th century by Cesare Lombroso, an Italian criminologist, to measure blood pressure changes in suspects during interrogation.
Constitutional and Legal Provisions
- Article 20(3) of the Indian Constitution: This article protects against self-incrimination, stating that no accused shall be compelled to be a witness against themselves.
- Infringement Concerns: Forcing an accused to undergo polygraph or narcoanalysis tests is seen as a violation of Article 20(3), making consent essential.
- Article 21 and Human Rights: Polygraph tests are criticized for mental torture, potentially violating the right to life and privacy under Article 21.
Limitations and Challenges
- Scientific Reliability: Neither polygraph nor narco tests are scientifically proven to be 100% accurate, raising questions about their reliability.
- Impact on Vulnerable Individuals: These tests can adversely affect those unaware of their rights or unable to access legal advice, leading to potential abuse and media exploitation.
Legal and Constitutional Rulings
- Selvi vs State of Karnataka & Anr (2010): The Supreme Court ruled that lie detector tests should be voluntary, with legal implications explained to the accused.
- D.K. Basu vs. State of West Bengal (1997): The Court deemed involuntary administration of these tests as potentially violating the Right to Life and Liberty and the Right to Privacy.
- Indian Evidence Act, 1871: The results of these tests are not admissible as evidence in court.
- National Human Rights Commission Guidelines (1999): Established consent and procedural guidelines for administering polygraph tests.
Way Forward
- Role as Investigative Tools: While not reliable for conclusive evidence, polygraph tests can aid in complex investigations.
- Balancing Scientific Techniques and Rights: The government should promote scientific methods in investigations while ensuring strict adherence to ethical and legal standards.
- Consent and Decency: The administration of these tests must be consensual, respecting the dignity and rights of the individuals involved.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: NA
Mains level: Read the attached story
Central Idea
- Pervasiveness of Plastic: Plastic, with its beneficial properties like durability, has become a ubiquitous part of modern life.
- Environmental Impact: Approximately 50% of plastic is used only once before being discarded, contributing to significant environmental issues, including ocean pollution.
Psychological Aspects of Plastic Use
- Consumer Behavior Influence: The omnipresence of plastic shapes consumer choices and behaviors, influenced by marketing strategies, packaging design, and product aesthetics.
- Packaging and Brand Perception: Packaging plays a crucial role in plastic use, with visual appeal and brand image significantly impacting consumer preferences.
- Color Psychology in Packaging: The use of color in packaging design evokes specific emotions and expectations, influencing purchasing decisions.
Convenience Factor and Limited Alternatives
- Role of Convenience: Plastic packaging’s ability to keep products fresh and hygienic has been a key driver of its market dominance.
- Lack of Economical Alternatives: The absence of affordable alternatives for food packaging often leaves consumers with no choice but to opt for plastic-wrapped items.
Pro-Environmental Behavior (PEB) and Plastic Use
- Understanding PEB: Limiting plastic use and purchase is an example of pro-environmental behavior, influenced by awareness, knowledge, and values.
- Factors Influencing PEB: Concern about plastic, knowledge of its effects, and the perceived commitment of others to address its impact play roles in shaping PEB.
Market Trends and Social Influences
- Impulsive Buying and Social Media: The growth of social media and peer pressure have been linked to increased compulsive buying behaviors, often leading to increased plastic consumption.
- Influence of Social Norms: Social norms promoting consumption have led to an increase in plastic use, despite its environmental costs.
Stages of Behavioral Readiness in Plastic Consumption
Five Stages of Readiness include-
- Pre-contemplation,
- Contemplation,
- Preparation,
- Action, and
- Maintenance.
Role of Storytelling and Marketing in Plastic Awareness
- Emotional Engagement: Storytelling in marketing can emotionally engage customers with the lifecycle of plastic items, enhancing environmental awareness.
- Positive and Negative Impacts: Marketing power can influence consumer behavior both positively and negatively in the context of plastic use.
- Objective vs. Subjective Knowledge: Understanding the specifics of an issue (objective knowledge) versus personal belief or awareness (subjective knowledge) influences behavior.
- Barriers to Action: Lack of personal connection, gradual environmental impact, moral disengagement, and immediacy issues are barriers to taking action against plastic pollution.
Way forward
- Role of Education and Design: Knowledge is crucial, but behavioural change also depends on product design that encourages environmentally friendly choices.
- Supplier and Retailer Responsibility: Minimizing packaging, using recyclable materials, and clear recycling instructions are key steps.
- Policy Initiatives: Policies raising awareness of plastic pollution’s effects can facilitate a sustainability-focused behavioural shift.
- Emergence of Sustainable Brands: As consumers increasingly look to brands for sustainable options, there is a growing market for environmentally conscious products.
Conclusion
- Critical Role of Habit Change: Altering consumer habits is essential for environmental protection, requiring a multifaceted approach involving education, policy, and market innovation.
- Sources: Insights drawn from the Sustainability and Consumer Behaviour Report 2022 by Deloitte United Kingdom and research by Mittali Tyagi, PhD Scholar at Manav Rachna International Institute of Research and Studies.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: NA
Mains level: Medical Negligence and its impact on the marginalized people
Central Idea
- A women recently died from septic shock after a surgery in Jamshedpur, leading her brother to allege medical negligence due to unauthorized surgeon substitution and lack of postoperative care.
- The case has ignited discussions on the legal and ethical aspects of medical negligence in India, amidst proposed changes to exempt doctors from criminal prosecution.
Understanding Medical Negligence
- Definition and Impact: Medical negligence involves a breach of duty by healthcare professionals, leading to patient harm or death.
- Legal Framework: Currently, under Section 106(1) of the Bharatiya Nyaya (Second) Sanhita (BNSS), doctors face potential imprisonment and fines if convicted of negligence, though proposed changes might alter this.
Recent Developments and Legal Provisions
- Recent Announcement: MHA proposed exempting doctors from criminal prosecution in negligence cases, sparking debate and concern among various stakeholders.
- Constitutional Rights: The proposed changes have to be balanced against constitutional protections like Article 20(3) and Article 21, which safeguard against self-incrimination and ensure the right to life and liberty.
Role of the Indian Medical Association (IMA)
- IMA’s Stance: The IMA has advocated for exempting doctors from criminal prosecution for negligence, citing the increasing harassment and detrimental impact on patient care.
- Concerns Raised: The IMA also highlighted the high number of medical negligence cases filed against doctors and the economic losses due to violence against healthcare professionals.
Ethical and Societal Implications
- Power Dynamics: Critics argue that exempting doctors from criminal prosecution might exacerbate power imbalances in the doctor-patient relationship and lead to increased medical malpractice.
- Marginalized Populations at Risk: There’s concern that such exemptions could disproportionately affect vulnerable groups, including women, queer, transgender individuals, and rural residents.
Legal and Ethical Conundrums
- Good Faith Clause: BNSS clauses provide some protection for acts done in good faith, but the distinction between negligence and accident remains unclear.
- Bioethicists’ Perspective: Experts emphasize the need for a balanced approach that considers both healthcare professionals’ challenges and patients’ rights and safety.
Way Forward
- Nationwide Dialogue: The IMA plans to engage in discussions with the government and public to advocate for their position.
- Need for Comprehensive Data: Critics like Geet suggest conducting a nationwide survey to understand the scope of medical negligence and inform policy decisions.
- Legal Recourse for Patients: Ensuring that patients have access to legal recourse and justice is crucial to maintaining trust in the healthcare system and preventing violence against doctors.
Conclusion
- Complex Decision-Making: Exempting doctors from criminal prosecution for medical negligence is a multifaceted issue requiring careful consideration of legal, ethical, and societal factors.
- Ensuring Justice and Quality Care: Any policy changes must strive to protect patients’ rights while also considering the challenges faced by medical professionals, ensuring that the healthcare system remains just, accountable, and focused on delivering high-quality care. Top of Form
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: INC, Important Sessions
Mains level: Read the attached story
Central Idea
- On December 28, 1885, the Indian National Congress (INC) was established, marking the beginning of a significant journey in Indian politics.
- The INC’s journey from influencing British policy to leading India’s nationalist movement, dominating post-independence politics, and its current decline offers a rich political narrative.
Indian National Congress: Inception in 1885
- Founding by AO Hume: Allan Octavian Hume, an English bureaucrat, founded the INC to advocate for greater self-governance in India.
- First Session: The inaugural session in Bombay saw 72 reformers, journalists, and lawyers unite, aiming not for independence but to influence British policies favorably for Indians.
- Safety Valve Theory: The INC initially served as a platform for Indians to express grievances, seeking to unify diverse population segments and regenerate the nation across various dimensions.
Politics of Petitions
- Early Challenges: The Congress faced criticism from both the British and Indians; the former for disrupting the status quo and the latter for its passive resistance approach.
- Composition and Critique: Dominated by educated, upper-class individuals, the INC was often seen as too moderate and not sufficiently representative of all Indians.
- Internal Divisions: By 1906, ideological differences led to a split between the moderates (Gopal Krishna Gokhale, Surendranath Banerjea) and the extremists (Bal Gangadhar Tilak), particularly over responses to the Bengal Partition.
Leadership under Mahatma Gandhi
- Reunification and Transformation: The INC, under Gandhi’s influence from 1915, transformed into a mass movement, focusing on social issues like caste discrimination and poverty.
- Diverse Membership: Despite its Hindu upper-caste dominance, the party included members from various ethnic and religious backgrounds.
- Purna Swaraj Declaration: At the 1929 Lahore session, the INC, under Jawaharlal Nehru’s presidency, committed to complete independence, a goal achieved in 1947 but marred by Partition.
Dominance in Post-Independence India
- Electoral Success: The INC’s legacy and organizational strength led to victories in the first six general elections.
- Policy Direction: Under Nehru, the party promoted secularism, socialist economics, and non-aligned foreign policy.
- Internal Power Struggles: Post-Nehru, internal conflicts emerged, notably between Indira Gandhi and the party’s old guard, leading to a split into Congress (R) and Congress (O).
Onset of Decline
- Electoral Setbacks: The Emergency period (1975-77) led to the INC’s first national electoral defeat in 1977.
- Fluctuating Fortunes: While it regained power, the 1989 loss marked the end of its dominance, with the Bharatiya Janata Party (BJP) emerging as a strong alternative.
- Recent Struggles: The INC’s significant reduction in parliamentary strength in the 2014 and 2016 elections underscores its ongoing decline.
Back2Basics: Important Sessions of INC
- 1896, Calcutta: Presided over by Rahimtulla M. Sayani, where the national song “Vande Mataram” was sung for the first time.
- 1906, Calcutta: Presided over by Dadabhai Naoroji, where the goal of Swaraj (self-rule) was formally adopted.
- 1917, Calcutta: Annie Besant became the first woman president of the INC.
- 1924, Belgaum: The only session presided over by Mahatma Gandhi.
- 1937, Faizpur: The first session held in a rural area, reflecting the INC’s commitment to rural issues and agrarian reform.
- 1938, Haripura: Subhas Chandra Bose elected as President, which marked a shift towards a more radical approach in the freedom struggle.
- 1940, Ramgarh: Last session presided over by Mahatma Gandhi; emphasized on individual Satyagraha.
- 1955, Avadi (Madras): Adoption of the ‘Avadi Resolution’ which called for a socialist pattern of society.
- 1964, Bhubaneswar: First session after the death of Jawaharlal Nehru, marking a new era in the party’s leadership.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: Participatory Notes
Mains level: NA
Central Idea
- Indian capital markets witnessed a significant increase in investments through participatory notes (P-notes), reaching ₹1.31 lakh crore by the end of November.
What are Participatory Notes?
|
Details |
| Nature of Instrument |
Offshore derivative instruments with Indian shares as underlying assets. |
| Issuers |
Issued by registered Foreign Institutional Investors (FIIs) to overseas investors. |
| Purpose |
To allow foreign investors to invest in Indian stock markets without direct registration. |
| Anonymity |
Provide anonymity for foreign investors; beneficiary details are not disclosed to Indian regulators. |
| Regulatory Oversight |
Governed by the Securities and Exchange Board of India (SEBI). |
| Compliance |
FIIs issuing P-Notes are required to adhere to KYC norms and other regulatory standards. |
| Controversies |
Associated with risks of money laundering and contributing to market volatility. |
| Regulatory Reforms |
SEBI has tightened norms over time, including enhanced KYC and disclosure requirements. |
| Economic Impact |
Significant source of foreign portfolio investment; influences market sentiment and foreign investor behavior. |
| Impact of Regulatory Changes |
Changes in regulations have affected the flow of investments through P-Notes. |
Correlation with FPI Flows
- P-Notes and FPI Trends: The investment through P-notes typically mirrors the trends in foreign portfolio investor (FPI) flows.
- Global Risk Influence: In times of global risk, investment through P-notes tends to increase, and the opposite occurs when the risk subsides.
Factors Influencing the Recent Increase
- U.S. Treasury Bond Yields: The decline in U.S. treasury bond yields is believed to have redirected FPIs’ attention to the Indian market for potentially higher returns.
- IPO Attraction: The listing of Initial Public Offerings (IPOs) in India has also been a factor in attracting foreign investors back to the market.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: Huntington's Disease
Mains level: Not Much
Central Idea
- The Nizam’s Institute of Medical Sciences in Hyderabad reports three to four cases of Huntington’s disease monthly, with each case impacting entire families.
Understanding Huntington’s Disease
|
Details |
| Nature of Disorder |
Genetic, progressive brain disorder |
| Genetic Cause |
Mutation in the huntingtin gene on chromosome 4 |
| Inheritance Pattern |
Autosomal dominant disorder (only one copy of the defective gene, from either parent, is enough for disease onset) |
| Symptoms |
Movement Disorders: Involuntary movements (chorea), muscle problems (dystonia), abnormal eye movements.
Cognitive Disorders: Difficulty in organizing and focusing, lack of flexibility, impulse control issues.
Psychiatric Disorders: Depression, mood swings, changes in personality |
| Age of Onset |
Typically between 30 and 50 years of age, but can vary widely
Gradual onset, worsening over 10-25 years, leading to severe disabilities |
| Diagnosis |
Genetic testing to detect the presence of the defective gene |
| Treatment |
No cure; treatment focuses on managing symptoms, including medication for movement and psychiatric disorders, and therapy |
| Impact on Life Expectancy |
Can shorten life expectancy, particularly if onset is at a younger age |
Role of the HTT Gene and Glutamine Repeats
- Genetic Mutation: Huntington’s disease is caused by a mutation in the HTT gene, leading to abnormal huntingtin (Htt) proteins that damage neurons.
- Polyglutamine Tracts: The severity of the disease correlates with the length of glutamine repeats in the Htt protein; longer repeats result in earlier and more severe symptoms.
- Inheritance Pattern: The disease manifests even if only one copy of the HTT gene is mutated, demonstrating its dominant nature.
- Similar Proteins and Diseases: Other proteins with polyglutamine tracts, when mutated, can also cause neuronal degeneration, leading to disorders like spinocerebellar ataxia.
Fruit Fly Study: A Model for Understanding Huntington’s
- Genetic Engineering in Flies: Researchers engineered fruit flies to express the human HTT gene with extended polyglutamine tracts in their neurons.
- Gal4/UAS System: Utilizing the Gal4 gene from baker’s yeast, the study induced expression of mutated HTT in fly neurons.
- Symptoms in Flies: Flies with longer glutamine tracts exhibited symptoms similar to Huntington’s disease, unlike those with shorter, normal tracts.
Yod1 Gene Discovery
- Gene Expression Experiment: The study explored the effects of altering the expression of 32 genes on disease-like symptoms in fruit flies.
- Yod1’s Protective Role: Overexpression of the Yod1 gene eliminated neurodegeneration and other disease-like effects in flies with longer glutamine tracts.
Broader Implications and Future Research
- Potential in Human Treatment: If overexpression of the human version of Yod1 shows similar benefits in fruit flies, it could be a promising avenue for treating Huntington’s in humans.
- Value of Model Organisms: Studies in fruit flies and yeasts are pivotal for understanding molecular mechanisms of diseases like Huntington’s.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: SLIM Mission
Mains level: Read the attached story
Central Idea
- Japan’s Smart Lander for Investigating Moon (SLIM) spacecraft successfully entered lunar orbit on December 25, ahead of its planned moon landing on January 19.
- If successful, Japan will join an elite group of nations to achieve a soft lunar landing, following India’s Chandrayaan 3 mission in August.
SLIM: An Overview
- Launch and Design: Launched by JAXA on September 7, 2023, SLIM is a lightweight spacecraft, weighing only 590 kg, compared to Chandrayaan 3’s 3,900 kg.
- Mission Objectives: SLIM aims to demonstrate precise lunar landing capabilities, targeting a landing within 100 meters of its chosen site near the Shioli Crater.
Journey to the Moon
- Fuel-Efficient Trajectory: Unlike Chandrayaan 3’s Hohmann transfer orbit, SLIM followed a longer, fuel-efficient path based on weak-stability boundary theory, taking four months to reach the moon.
- Orbital Mechanics: SLIM utilized Earth’s gravity to build kinetic energy, eventually aligning its trajectory with the moon’s orbit for a slower approach and capture.
SLIM’s Lunar Mission Goals
- Precision Landing: SLIM’s attempt to land with minimal deviation from its target site sets a new standard for lunar missions.
- Scientific Payload: The spacecraft will deploy two small rovers, LEV-1 and LEV-2, to study the lunar surface, temperature, radiation, and potentially the moon’s mantle.
Impact on Chandrayaan 4
- Lunar South Pole Exploration: Chandrayaan 4, a joint Indian-Japanese mission (LUPEX), aims to explore regions closer to the moon’s south pole, requiring precise landing technologies.
- Technological Synergy: Technologies and insights from SLIM, particularly in navigation and feature-matching algorithms, will be crucial for the success of Chandrayaan 4.
Challenges of Lunar South Pole Exploration
- Rugged Terrain: The moon’s polar regions, characterized by rocky terrain, craters, and steep slopes, demand highly accurate landing capabilities.
- Water-Ice Exploration: These regions contain water ice, making them prime targets for future lunar missions and resource utilization.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: NA
Mains level: Unemployment in India
Central Idea
- In 1932, M Visvesvaraya highlighted the issue of unemployment among educated individuals in India.
- Ninety years later, the issue of youth unemployment remains a significant concern, despite official data indicating a decrease in the overall unemployment rate.
Unemployment Trends: Data Analysis
- Official Statistics: According to the Periodic Labour Force Survey (PLFS), the unemployment rate decreased from 6.1% in 2017-18 to 3.2% in 2022-23.
- Disparities in Experience: Despite the overall reduction, young, highly educated workers face the highest unemployment rates, indicating a structural problem in the Indian economy.
Educational Attainment and Unemployment
- Higher Education and Unemployment: Individuals with higher education have consistently faced higher unemployment rates since the 1990s.
- Trends Over Time: Unemployment rates for graduates have fluctuated, reaching 17% in 2017-18 and then dropping to 13% in 2022-23.
Youth Unemployment
- Young Graduates: The unemployment rate for young workers (aged 18 to 29) with graduate degrees has been notably high, with significant long-term unemployment spells.
- Increasing Share of Graduates: The proportion of graduates in the labor force has risen from 5% in 1993-94 to around 15% in 2022-23, impacting overall unemployment rates.
Challenges and Implications
- Growing Concern: The increasing share of educated workers in the labor force, coupled with high unemployment rates among them, points to a deepening problem.
- Need for Analysis: Understanding the causes of unemployment among the highly educated is crucial, whether it’s the education system’s failure to impart relevant skills or the economy’s inability to create sufficient jobs.
Conclusion
- Serious Issue: Youth unemployment in India is a critical issue that needs comprehensive analysis and action.
- Harnessing Demographic Dividend: Effective measures are required to ensure that the aspirations of the youth are met and the potential of India’s demographic dividend is fully realized.
- Policy Focus: Addressing youth unemployment requires targeted policies that focus on skill development, job creation, and aligning education with market needs.
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Note4Students
From UPSC perspective, the following things are important :
Prelims level: Card-on-File Tokenisation (CoFT)
Mains level: Read the attached story
Central Idea
- The Reserve Bank of India (RBI) has expanded the scope of card-on-file tokenisation (CoFT) services to include card-issuing banks and institutions, enhancing the security of digital payments.
- Previously, tokenisation services were primarily provided through merchants. The RBI’s recent notification marks a significant shift in this approach.
Understanding CoFT and Its Importance
- Card-on-File (CoF) Concept: Traditionally, merchants stored customer card details (CoF) on their platforms, posing risks to financial data security.
- Tokenisation Solution: To mitigate data breach risks, the RBI introduced tokenisation, where a unique token replaces actual card details at the merchant’s end.
- Regulatory Measures: In March 2020, RBI mandated that payment aggregators and merchants should not store actual card data, aiming to minimize system vulnerabilities. The deadline for compliance was extended to December 2021 following industry requests.
Implementation of CoFT by Card Issuers
- Channels for Token Generation: Customers can generate CoFT tokens through mobile and internet banking, offering a convenient and secure method for digital transactions.
- Consent and Authentication: Token generation requires explicit customer consent and Additional Factor of Authentication (AFA) validation, ensuring user control and security.
- Flexibility for Cardholders: Cardholders have the flexibility to tokenise their cards at any time and select specific merchants for maintaining tokens.
- Token Issuance: The tokens can be issued either by the card network, the issuer, or both, providing multiple layers of security.
Impact and Adotion of CoFT
- Enhancing Safety and Convenience: CoFT aims to secure card data without compromising the convenience of card transactions.
- Implementation Timeline: The RBI introduced CoFT in 2021, with full rollout from October 1, 2022.
- Usage Statistics: Since its implementation, over 56 crore tokens have been created, facilitating transactions worth over ₹5 lakh crore.
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