4. Consider the following statements about Pradhan Mantri Jan Dhan Yojana (PMJDY)
1) There is no requirement to maintain any minimum balance in PMJDY accounts.
2) Interest will not be earned on the deposit in PMJDY accounts.

Answer: A
Explanation
● In 2014, the government launched Pradhan Mantri Jan Dhan Yojana (PMJDY) to bring about
comprehensive financial inclusion in the country.
● PMJDY envisages universal access to banking facilities with at least one basic banking
account for ‘every adult’, financial literacy, access to credit, insurance and pension
facility.
Features of PMJDY
● Under the scheme, a basic savings bank deposit (BSBD) account can be opened in any
bank branch or Business Correspondent (Bank Mitra) outlet, by persons not having any
other account.
● There is no requirement to maintain any minimum balance in PMJDY accounts. Hence
statement 1 is correct.
● Interest is earned on the deposit in PMJDY accounts. Hence statement 2 is incorrect.
● Rupay Debit card is provided to PMJDY account holders.
● Accident Insurance Cover of Rs.2 lakh is available with RuPay card issued to the PMJDY account holders.
● An overdraft (OD) facility up to Rs. 10,000 to eligible account holders is available.
● PMJDY accounts are eligible for Direct Benefit Transfer (DBT), Pradhan Mantri Jeevan Jyoti Bima Yojana (PMJJBY), Pradhan Mantri Suraksha Bima Yojana (PMSBY), Atal Pension Yojana (APY), Micro Units Development & Refinance Agency Bank (MUDRA) scheme.

5. The term ‘Girmityas’, sometimes seen in the news, is related to which of the following?

Answer: A
Explanation
● Girmitiyas were generations of Indians who were taken to other countries like Mauritius, Seychelles, Fiji, South Africa, East Africa, Malay Peninsula, Suriname, Guyana and the Caribbean islands, in the middle and the late 19th century, by the British to serve as indentured laborers in the British colonies.

Officer's Daily Motivation

#upsc2024 #motivation #upscpreparation #success #officersiasacademy #upsc #dream #coaching #ias #ips

Pongal: A Celebration of Hard Work and Perseverance

Pongal, the festival of harvest, reminds us of the value of dedication, patience, and resilience—the same qualities that shape the journey of a UPSC aspirant. Just as farmers toil through the seasons to reap a bountiful harvest, aspirants sow the seeds of discipline and hard work to achieve their dreams of serving the nation.

At Officers IAS Academy, we believe that every effort you put in today will lead to the sweet rewards of success tomorrow. Let this Pongal inspire you to stay focused, persevere through challenges, and shine as a beacon of hope and change.

Wishing you and your family a joyous, prosperous, and inspiring Pongal!

#HappyPongal #HarvestOfSuccess #UPSCJourney #OfficersIASAcademy #CelebratingDedication

Officer's Daily Motivation

#upsc2024 #motivation #upscpreparation #success #officersiasacademy #upsc #dream #coaching #ias #ips

Today, we celebrate the strength, courage, and dedication of the Indian Army on Indian Army Day!

On this day in 1949, Lieutenant General K M Cariappa made history by becoming the first Indian Commander-in-Chief of the Indian Army, paving the way for a proud, self-reliant force.

The Indian Army stands as the backbone of our nation, guarding our borders and ensuring peace with unmatched bravery. Let’s honor their sacrifices and express our gratitude to these heroes who put the nation above everything else.


#IndianArmyDay #IndianArmy #ValorAndSacrifice #KMCariappa #IndianHeroes #ArmyStrong #NationAboveAll #ProudIndian #JaiHind #15January

1. Consider the following statements with respect to ‘Hydroponics’
1. It is a method of soilless farming in which plants are grown using mineral nutrient solutions
in the liquid medium.
2. Hydroponics helps plants to grow faster with higher yield when compared with
conventional soil based cultivation.

Answer: C
Explanation
● Statement 1 is correct: Hydroponics is a subset of hydroculture, which is a method of growing plants without soil (Soilless farming) by instead using mineral nutrient solutions in a liquid medium. Terrestrial plants may be grown with only their roots exposed to the nutritious liquid, or the roots may be physically supported by an inert medium such as perlite or gravel.
Advantages of Hydroponics
● The increased control over growing conditions makes it easier to provide the best possible environment for plants, leading to better quality produce and high yield.
● Statement 2 is correct: Plants grow 50% faster than soil based cultivation under the same
condition because of the easy access to food and water. The production in hydroponics may be increased approximately two times as compared with soil cultivation in a comparable area with correct management practiced because the plant does not have to compete for moisture and nutrients.
● Hydroponics gardens can provide plants with optimum qualities of the necessary nutrients during the different seasons. This will enable maximize growth to be achieved
● A small hydroponics garden can be set up almost anywhere, even upstairs, balconies and open areas and protected structures because the land is not necessary.
● Hydroponics products generally taste better and are higher in nutritional value than field- grown crops.
● The occurrence of soil borne disease and nematode damage is not possible, so hydroponic production is exported safely
● There is no need for crop rotations as growing media can be reused continuously or replaced.
● The plants are uniform in growth and maturity.

2. Consider the following statements about Indian Meteorological Department
1) It has the responsibility of forecasting, naming and distribution of warnings for tropical
cyclones in the Northern Indian Ocean region.
2) It is the principal agency under the Ministry of Earth Sciences (MoES).

Answer: C
Explanation
● Statement 2 is correct: India Meteorological Department was established in 1875. It is the National Meteorological Service of the country and the principal government agency in all matters relating to meteorology, seismology and allied subjects. IMD is the principal agency under the Ministry of Earth Sciences (MoES)
● Statement 1 is correct: IMD is also one of the six Regional Specialized Meteorological Centres of the World Meteorological Organization. It has the responsibility for forecasting, naming and distribution of warnings for tropical cyclones in the Northern Indian Ocean region, including the Malacca Straits, the Bay of Bengal, the Arabian Sea and
the Persian Gulf.
Mandate
● To take meteorological observations and to provide current and forecast meteorological information for optimum operation of weather-sensitive activities like agriculture, irrigation, shipping, aviation, offshore oil explorations, etc.
● To warn against severe weather phenomena like tropical cyclones, norwesters, dust storms, heavy rains and snow, cold and heat waves, etc., which cause destruction of life and property.
● To provide meteorological statistics required for agriculture, water resource management, industries, oil exploration and other nation-building activities.
● To conduct and promote research in meteorology and allied disciplines.
● To detect and locate earthquakes and to evaluate seismicity in different parts of the country for development projects.

3. The jurisdiction of the National Investigation Agency extends to which of the following?
1) persons in the service of the government wherever they are posted;
2) persons on ships and aircraft registered in India wherever they may be;
3) persons who commit a scheduled offence beyond India against the Indian citizen or affecting the interest of India.

4. Consider the following statements about the North Atlantic Treaty Organization (NATO).
1. It is a security alliance of countries from North America and Europe.
2. The Washington Treaty of NATO states that an attack against one Ally is considered as an attack against all.