β€βπ₯3
π Personality in News: Thiruvalluvar
π Context
β Prime Minister paid tribute to Thiruvalluvar on the occasion of Thiruvalluvar Day.
π About Thiruvalluvar
β Renowned Tamil philosopher, poet, and ethical thinker
β Believed to have lived in Mylapore (present-day Chennai)
π Key Contributions
β Tirukkural:
β’ A timeless Tamil classic comprising 1,330 couplets
β’ Covers ethics, statecraft, economy, family life, and love
β’ Considered a guide for personal conduct and good governance
π Structure of Tirukkural
β Aram β Righteousness / Ethics
β Porul β Wealth, polity, governance
β Inbam β Love and human relationships
π Statue & Legacy
β Thiruvalluvar Statue located at Kanyakumari, Tamil Nadu
β Sculpted by V. Ganapathi Sthapathi
β Symbolises ethical wisdom standing at the confluence of cultures
π Core Values
β Righteousness
β Compassion
β Justice
β Moral integrity
β Universal humanism
#history #prelims #mains
Join https://t.me/CSE_EXAM https://t.me/Upsc_4_history
π Context
β Prime Minister paid tribute to Thiruvalluvar on the occasion of Thiruvalluvar Day.
π About Thiruvalluvar
β Renowned Tamil philosopher, poet, and ethical thinker
β Believed to have lived in Mylapore (present-day Chennai)
π Key Contributions
β Tirukkural:
β’ A timeless Tamil classic comprising 1,330 couplets
β’ Covers ethics, statecraft, economy, family life, and love
β’ Considered a guide for personal conduct and good governance
π Structure of Tirukkural
β Aram β Righteousness / Ethics
β Porul β Wealth, polity, governance
β Inbam β Love and human relationships
π Statue & Legacy
β Thiruvalluvar Statue located at Kanyakumari, Tamil Nadu
β Sculpted by V. Ganapathi Sthapathi
β Symbolises ethical wisdom standing at the confluence of cultures
π Core Values
β Righteousness
β Compassion
β Justice
β Moral integrity
β Universal humanism
#history #prelims #mains
Join https://t.me/CSE_EXAM https://t.me/Upsc_4_history
β€7π₯1
inflation, what is inflation, inflation explained, economy, finance, money, why are prices going up, cost of living, economics explained, federal reserve, recession, investing for beginners, financial literacy, personal finance, macroeconomics, interest rates, wealth, purchasing power, hyperinflation, business news, learn economics
https://youtube.com/watch?v=nkvaKSCErag&si=Cf9m1L3n6C-n0gM7
https://youtube.com/watch?v=nkvaKSCErag&si=Cf9m1L3n6C-n0gM7
YouTube
What is Inflation and How It Affects Your Money #inflation #economy #upsc #prelims #uppsc #mppsc
In this video, we break down inflation what it is, why it happens, and what it means for your wallet.
-------------
The Definition: What is inflation actually?
The Causes: Demand-pull vs. Cost-push (explained simply).
Purchasing Power: Why your dollarβ¦
-------------
The Definition: What is inflation actually?
The Causes: Demand-pull vs. Cost-push (explained simply).
Purchasing Power: Why your dollarβ¦
β€2
π CURRENT AFFAIRS β 17 JANUARY 2026
π REGULATORY / RBI
π Integrated Ombudsman Scheme (RB-IOS), 2026
β RBI authorises Ombudsman to award compensation up to βΉ30 lakh
π Compensation Types
β Consequential financial loss β up to βΉ30 lakh
β Non-financial loss (harassment, mental agony, time loss) β up to βΉ3 lakh
π Key Reforms
β No monetary limit on dispute amount that can be taken to Ombudsman
β Earlier limits removed β enhances consumer protection
π Applicability
β Banks
β NBFCs
β PPI issuers
β Credit Information Companies
π Effective Date
β 1 July 2026
π CRPC
β RBI to establish Centralised Receipt & Processing Centres (CRPCs)
π Function
β Central receipt
β Digital processing of complaints
π REGULATORY / SEBI
π SWAGAT-FI Framework
β SEBI operationalises Single Window Automatic & Generalised Access for Trusted Foreign Investors (SWAGAT-FI)
π Coverage
β Foreign Portfolio Investors (FPIs)
β Foreign Venture Capital Investors (FVCIs)
π Objective
β Ease compliance
β Faster onboarding
β Single-window digital access
π ECONOMY & EMPLOYMENT
π Employment Trends
β Unemployment rate remains 4.8% (Dec 2025)
β Reflects stability in labour market
π Exports
β Indiaβs exports cross USD 634 billion
β Growth: ~4.3% (first 9 months of FY26)
π INTERNATIONAL / REPORTS
π Global Risks Report 2026
β Released by World Economic Forum (WEF)
π Top Global Risk (Short-term)
β Geoeconomic confrontation
π Long-term Risks
β Extreme weather events
β Biodiversity loss
β Ecosystem collapse
π NATIONAL AFFAIRS
π Digital Commerce
β Department of Posts completes first logistics delivery via ONDC
π Significance
β Govt participation in open digital commerce ecosystem
π Education / Competitions
β India Post launches UPSC International Letter Writing Competition for students
π Women Entrepreneurship
β Karnataka launches Gruha Lakshmi Digital Marketing Portal
π Objective
β Enable SHG women to market products online
π Livestock & Agriculture
β Karan Fries cattle breed registered by ICAR-NBAGR
π Features
β High milk yield
β Climate-resilient
π Parentage
β Holstein Friesian Γ Tharparkar
π SCIENCE & TECHNOLOGY
π Space / Medical
β SpaceX conducts first medical evacuation from ISS
π Crew returned safely via Dragon capsule
π Climate Action
β Microsoft signs deal to purchase 2.85 million soil-carbon credits
π Worldβs largest such agreement
π Supports regenerative agriculture
π ENVIRONMENT
π Species Conservation
β BNHS launches Indian Skimmer Conservation Project
π IUCN Status
β Endangered
π Focus
β Riverine ecosystems
π APPOINTMENTS
π United Nations
β D.B. Venkatesh Varma appointed Chair, UN Advisory Board on Disarmament Matters
β First Indian to hold this post
π SPORTS / AWARDS
π ICC Monthly Awards (Dec 2025)
β Menβs Player of the Month β Mitchell Starc
β Womenβs Player of the Month β Laura Wolvaardt
#CurrentAffairs
Join https://t.me/CurrentAffairs_ONLY
π REGULATORY / RBI
π Integrated Ombudsman Scheme (RB-IOS), 2026
β RBI authorises Ombudsman to award compensation up to βΉ30 lakh
π Compensation Types
β Consequential financial loss β up to βΉ30 lakh
β Non-financial loss (harassment, mental agony, time loss) β up to βΉ3 lakh
π Key Reforms
β No monetary limit on dispute amount that can be taken to Ombudsman
β Earlier limits removed β enhances consumer protection
π Applicability
β Banks
β NBFCs
β PPI issuers
β Credit Information Companies
π Effective Date
β 1 July 2026
π CRPC
β RBI to establish Centralised Receipt & Processing Centres (CRPCs)
π Function
β Central receipt
β Digital processing of complaints
π REGULATORY / SEBI
π SWAGAT-FI Framework
β SEBI operationalises Single Window Automatic & Generalised Access for Trusted Foreign Investors (SWAGAT-FI)
π Coverage
β Foreign Portfolio Investors (FPIs)
β Foreign Venture Capital Investors (FVCIs)
π Objective
β Ease compliance
β Faster onboarding
β Single-window digital access
π ECONOMY & EMPLOYMENT
π Employment Trends
β Unemployment rate remains 4.8% (Dec 2025)
β Reflects stability in labour market
π Exports
β Indiaβs exports cross USD 634 billion
β Growth: ~4.3% (first 9 months of FY26)
π INTERNATIONAL / REPORTS
π Global Risks Report 2026
β Released by World Economic Forum (WEF)
π Top Global Risk (Short-term)
β Geoeconomic confrontation
π Long-term Risks
β Extreme weather events
β Biodiversity loss
β Ecosystem collapse
π NATIONAL AFFAIRS
π Digital Commerce
β Department of Posts completes first logistics delivery via ONDC
π Significance
β Govt participation in open digital commerce ecosystem
π Education / Competitions
β India Post launches UPSC International Letter Writing Competition for students
π Women Entrepreneurship
β Karnataka launches Gruha Lakshmi Digital Marketing Portal
π Objective
β Enable SHG women to market products online
π Livestock & Agriculture
β Karan Fries cattle breed registered by ICAR-NBAGR
π Features
β High milk yield
β Climate-resilient
π Parentage
β Holstein Friesian Γ Tharparkar
π SCIENCE & TECHNOLOGY
π Space / Medical
β SpaceX conducts first medical evacuation from ISS
π Crew returned safely via Dragon capsule
π Climate Action
β Microsoft signs deal to purchase 2.85 million soil-carbon credits
π Worldβs largest such agreement
π Supports regenerative agriculture
π ENVIRONMENT
π Species Conservation
β BNHS launches Indian Skimmer Conservation Project
π IUCN Status
β Endangered
π Focus
β Riverine ecosystems
π APPOINTMENTS
π United Nations
β D.B. Venkatesh Varma appointed Chair, UN Advisory Board on Disarmament Matters
β First Indian to hold this post
π SPORTS / AWARDS
π ICC Monthly Awards (Dec 2025)
β Menβs Player of the Month β Mitchell Starc
β Womenβs Player of the Month β Laura Wolvaardt
#CurrentAffairs
Join https://t.me/CurrentAffairs_ONLY
β€7π2π₯1
#Goodmorning
β³126 days left CSP26[ 24-05-26]
β³215 days left CSM26 [ 21-08-26]
β³182 days left CAPF AC 19 July
β³134 days left MPSC (MH) prelims [ 31-05-26]
β³RAS PRELIMS may
β³98 days Left MPPSC (MP) Prelims 26 April
β³84 days Left CDS1 /NDA 12 April
β³35 days CGPSC prelims 22 February
#Target
#TargetOnlyone
#Accountability
https://t.me/anmolvachan1
β³126 days left CSP26[ 24-05-26]
β³215 days left CSM26 [ 21-08-26]
β³182 days left CAPF AC 19 July
β³134 days left MPSC (MH) prelims [ 31-05-26]
β³RAS PRELIMS may
β³98 days Left MPPSC (MP) Prelims 26 April
β³84 days Left CDS1 /NDA 12 April
β³35 days CGPSC prelims 22 February
#Target
#TargetOnlyone
#Accountability
https://t.me/anmolvachan1
β€4π₯1π1
β€2π₯1
βπ UPSC Prelims Accelerator Program π
Accelerate your preparation with daily discipline!
βCourse Highlights:
β Daily 9 PM Quiz: 30 high-quality MCQs every evening.
β Weekend Routine: Saturday CSAT special | Sunday OFF for rest and review.
β Comprehensive Coverage: UPSC + CDS + CAPF + State PSC PYQs + Statics + Current Affairs.
β Structured Plan: Full syllabus schedule included to keep you on track.
β Unlimited Revision: Access MCQs anytime, anywhere for constant practice.
π― Massive Question Bank: Total 5000+ MCQs!
βπ° Special Offer Pricing π°
β~Original Fee: βΉ999~
Limited Time Deal: βΉ899 ONLY!
(Extra 10% OFF Applied)
Sample question https://t.me/+RMQ69mdaUI1iMmNl
Contact - @studytoday_bot
βπ Note: You will get immediate access to all the MCQs posted since the course launch date (22 September).
Accelerate your preparation with daily discipline!
βCourse Highlights:
β Daily 9 PM Quiz: 30 high-quality MCQs every evening.
β Weekend Routine: Saturday CSAT special | Sunday OFF for rest and review.
β Comprehensive Coverage: UPSC + CDS + CAPF + State PSC PYQs + Statics + Current Affairs.
β Structured Plan: Full syllabus schedule included to keep you on track.
β Unlimited Revision: Access MCQs anytime, anywhere for constant practice.
π― Massive Question Bank: Total 5000+ MCQs!
βπ° Special Offer Pricing π°
β~Original Fee: βΉ999~
Limited Time Deal: βΉ899 ONLY!
(Extra 10% OFF Applied)
Sample question https://t.me/+RMQ69mdaUI1iMmNl
Contact - @studytoday_bot
βπ Note: You will get immediate access to all the MCQs posted since the course launch date (22 September).
β€2π₯1
π₯5π2β€1
π Reserve Bank β Integrated Ombudsman Scheme (RB-IOS), 2026
π Context
β RBI has issued the RB-IOS, 2026 to strengthen customer grievance redressal
β The scheme will come into effect from 1 July 2026
β Applies to services provided by RBI-regulated entities
π Objective of RB-IOS 2026
β Provide a cost-effective, expeditious and non-adversarial alternative grievance redress mechanism
β Ensure uniformity and simplicity in resolving customer complaints
π Key Institutional Features
β RBI Ombudsman
β’ RBI may appoint one or more Ombudsman and Deputy Ombudsman
β’ Tenure: Generally 3 years
β Centralised Receipt & Processing Centre (CRPC)
β’ To be established by RBI
β’ Receives and processes all complaints centrally
π Powers of RBI Ombudsman
β No monetary limit on the dispute amount that can be taken up
β Can award compensation up to βΉ30 lakh to the complainant
π Grounds of Complaint
β Any act or omission by a Regulated Entity
β Resulting in deficiency in service
π Appeal Mechanism
β Either the Complainant or the Regulated Entity may appeal
β Appeal to be filed before the Appellate Authority within 30 days
π Role of Regulated Entities
β Mandatory appointment of a Principal Nodal Officer at Head Office
β Responsible for:
β’ Furnishing information
β’ Coordinating with RBI on complaints
#goverment_schemes
Join https://t.me/PIB_UPSC
https://t.me/upsc_government_scheme
π Context
β RBI has issued the RB-IOS, 2026 to strengthen customer grievance redressal
β The scheme will come into effect from 1 July 2026
β Applies to services provided by RBI-regulated entities
π Objective of RB-IOS 2026
β Provide a cost-effective, expeditious and non-adversarial alternative grievance redress mechanism
β Ensure uniformity and simplicity in resolving customer complaints
π Key Institutional Features
β RBI Ombudsman
β’ RBI may appoint one or more Ombudsman and Deputy Ombudsman
β’ Tenure: Generally 3 years
β Centralised Receipt & Processing Centre (CRPC)
β’ To be established by RBI
β’ Receives and processes all complaints centrally
π Powers of RBI Ombudsman
β No monetary limit on the dispute amount that can be taken up
β Can award compensation up to βΉ30 lakh to the complainant
π Grounds of Complaint
β Any act or omission by a Regulated Entity
β Resulting in deficiency in service
π Appeal Mechanism
β Either the Complainant or the Regulated Entity may appeal
β Appeal to be filed before the Appellate Authority within 30 days
π Role of Regulated Entities
β Mandatory appointment of a Principal Nodal Officer at Head Office
β Responsible for:
β’ Furnishing information
β’ Coordinating with RBI on complaints
#goverment_schemes
Join https://t.me/PIB_UPSC
https://t.me/upsc_government_scheme
β€7π₯2
β€5π₯2π1
π India and 6G Technology
π Why in News
β India is preparing for the arrival of 6G wireless technology, with commercial deployment expected by 2030
β Indiaβs growing patent strength and global partnerships have positioned it as a key player in next-generation telecom
π Indiaβs Progress in 6G
β 127+ international patents granted to India for 6G technologies
β Indiaβs breakthroughs have attracted global interest, including from the United States
β IndiaβUS 6G Pact (G20 Summit 2023):
β’ Joint push for high-end research and innovation in 6G
π Bharat 6G Vision
β Nodal Authority: Department of Telecommunications (DoT), Ministry of Communications
β Institutional Mechanism: Technology Innovation Group on 6G (TIG-6G)
β Target Year: 2030
π Objective
β To develop and deploy secure, intelligent, and pervasive 6G networks
β Enable:
β’ Enhanced quality of life
β’ Seamless digital connectivity
β’ Future-ready digital economy
π Global Recognition
β International Telecommunication Union (ITU):
β’ UN body for telecom standards, spectrum & satellite orbit management
β’ Has accepted the 6G Vision Framework
β India played a key role in shaping this global framework through DoT
π Why 6G Matters for India
β Positions India as a technology leader, not just a consumer
β Attracts foreign investment due to:
β’ Large domestic market
β’ High ROI potential
β’ Supportive policy ecosystem
β Strengthens strategic tech partnerships and digital sovereignty
#GS3
#prelims
#science_technology
#science_and_technology
Join https://t.me/PIB_UPSC
https://t.me/upsc_science_and_technology
π Why in News
β India is preparing for the arrival of 6G wireless technology, with commercial deployment expected by 2030
β Indiaβs growing patent strength and global partnerships have positioned it as a key player in next-generation telecom
π Indiaβs Progress in 6G
β 127+ international patents granted to India for 6G technologies
β Indiaβs breakthroughs have attracted global interest, including from the United States
β IndiaβUS 6G Pact (G20 Summit 2023):
β’ Joint push for high-end research and innovation in 6G
π Bharat 6G Vision
β Nodal Authority: Department of Telecommunications (DoT), Ministry of Communications
β Institutional Mechanism: Technology Innovation Group on 6G (TIG-6G)
β Target Year: 2030
π Objective
β To develop and deploy secure, intelligent, and pervasive 6G networks
β Enable:
β’ Enhanced quality of life
β’ Seamless digital connectivity
β’ Future-ready digital economy
π Global Recognition
β International Telecommunication Union (ITU):
β’ UN body for telecom standards, spectrum & satellite orbit management
β’ Has accepted the 6G Vision Framework
β India played a key role in shaping this global framework through DoT
π Why 6G Matters for India
β Positions India as a technology leader, not just a consumer
β Attracts foreign investment due to:
β’ Large domestic market
β’ High ROI potential
β’ Supportive policy ecosystem
β Strengthens strategic tech partnerships and digital sovereignty
#GS3
#prelims
#science_technology
#science_and_technology
Join https://t.me/PIB_UPSC
https://t.me/upsc_science_and_technology
β€5π₯3π1π1
Day 32: 19 January target:
Art and culture
Topics:
Indian architecture
Sculpture
Pottery
Paintings
Handicrafts
Tangible and intangible heritage cultural sites
Current Affairs: October 2025
Social Issues
History, Art and culture related
#UpscRevisionProgram
After completion of target post 'DONE'
In comment section. Targets are decided as per practical approach. In remaining time, you can study whatever you want.
Thank you.
https://t.me/CSE_EXAM
https://t.me/upsc_answer_written
Art and culture
Topics:
Indian architecture
Sculpture
Pottery
Paintings
Handicrafts
Tangible and intangible heritage cultural sites
Current Affairs: October 2025
Social Issues
History, Art and culture related
#UpscRevisionProgram
After completion of target post 'DONE'
In comment section. Targets are decided as per practical approach. In remaining time, you can study whatever you want.
Thank you.
https://t.me/CSE_EXAM
https://t.me/upsc_answer_written
π1