Answer: D
Explanation:
Pair 1 is correctly matched: Zaporizhzhia is home to Europe's largest nuclear power plant and remains a
critical focus point in the ongoing Russia-Ukraine conflict.
Pair 2 is correctly matched: The Tigray Region in northern Ethiopia has been recovering from a severe,
multi-year humanitarian and military crisis.
Pair 3 is correctly matched: Rakhine State in western Myanmar is the focal point of the Rohingya crisis
and intense domestic conflicts between the military junta and ethnic armed groups.
Pair 4 is correctly matched: Sana'a is the capital city of Yemen, heavily involved in Middle Eastern
geopolitical developments and conflict dynamics.
Q5. Consider the following statements:
Statement-I: The Reserve Bank of India (RBI) has tightened norms and increased risk weights on
unsecured consumer loans and credit card receivables for commercial banks and Non-Banking Financial
Companies (NBFCs).
Statement-II: High growth in unsecured retail credit can lead to systemic financial vulnerabilities and a
rise in Non-Performing Assets (NPAs) during economic downturns.
Which one of the following is correct in respect of the above statements?
A. Both Statement-I and Statement-II are correct and Statement-II is the correct explanation for
Statement-I.
B. Both Statement-I and Statement-II are correct but Statement-II is not the correct explanation for
Statement-I.
C. Statement-I is correct but Statement-II is incorrect.
D. Statement-I is incorrect but Statement-II is correct.
Answer: A
Explanation:
Statement-I is correct: The RBI issued directives increasing the risk weights on unsecured personal loans,
consumer durable loans, and credit card exposures by 25 percentage points for both banks and NBFCs to
curb irrational exuberance in retail lending.
Statement-II is correct: Unsecured loans lack collateral. Unchecked growth in this segment exposes the
banking sector to rapid defaults if macro-economic conditions worsen. Therefore, Statement-II is the
exact regulatory rationale behind the macroprudential measures taken in Statement-I.

📢 Important Update for UPSC Aspirants!

Candidates who have qualified UPSC CSE/IFoS Prelims 2026 may be eligible for a ₹1,00,000 one-time financial assistance under Coal India's NIRMAN 2026 CSR Scheme (subject to eligibility).

✅ If you know someone who has cleared the Prelims, please forward this message—they shouldn't miss this opportunity.

📌 Today's Editorial Analysis | Relevant for UPSC, WBCS & OPSC

💧 Building Water Security in a Rapidly Drying India

India is facing a growing water crisis due to erratic monsoons, over-extraction of groundwater, and increasing pressure on rivers and urban water systems.

Key Issues:
🔹 Infrastructure gaps in water supply and treatment
🔹 Poor data and monitoring systems
🔹 Unsustainable groundwater extraction

Way Forward:
✅ Climate-resilient water infrastructure
✅ Wastewater recycling and reuse
✅ Precision micro-irrigation
✅ AI-based monitoring and smart water management

🎯 Exam Relevance:
This topic is important for UPSC, WBCS, and OPSC under Environment, Geography, Economy, Disaster Management, and Governance. It is highly relevant for both Prelims and Mains preparation.

𝐃𝐀𝐈𝐋𝐘 𝐏𝐑𝐄𝐋𝐈𝐌𝐒 𝐏𝐘𝐐 | 𝟎𝟒𝐓𝐇 𝐉𝐔𝐋𝐘 𝟐𝟎𝟐𝟔

Small efforts. Big ambitions. One goal—Civil Services. 🇮🇳

Success in the Civil Services Examination is built through consistent effort, disciplined preparation, and unwavering focus. Every chapter you complete, every test you attempt, and every hour you dedicate brings you one step closer to your dream.

Stay focused. Stay disciplined. Stay consistent. Your journey to success starts today.

𝐃𝐀𝐈𝐋𝐘 𝐏𝐑𝐄𝐋𝐈𝐌𝐒 𝐏𝐘𝐐 | 𝟎𝟔𝐭𝐡 𝐉𝐔𝐋𝐘 𝟐𝟎𝟐𝟔