Prabhat Sir

Kal k liye best of luck. Bina pressure me aaye aaram se paper dena.

Photo from Prabhat Saini

किसी को काम चाहिए?

Photo from Prabhat Saini

Photo from Prabhat Saini

सभी विद्यार्थियों को दीपोत्सव की हार्दिक शुभकामनाएं। आरएएस 2023 में जिनका चयन हुआ है, उनको ढेर सारी शुभकामनाएं। अब अपने कार्यक्षेत्र में ईमानदारी से खूब काम करके अपना और अपने माता- पिता का नाम बढ़ाएं। जो अभी तैयारी कर रहे हैं, वो भी खूब मेहनत करें। सफल अभ्यर्थियों से प्रेरणा ले। जिनका चयन नहीं हुआ, निराश नहीं होना है। सब कुछ समाप्त नहीं हुआ, बस एक प्रयास विफल हुआ हैं। गिर के फिर उठना है, बार बार मेहनत करो, आराम से अगली बार सफल हो जाओगे। हैप्पी दीपावली

What is Interest Equalisation Support? Interest Equalisation Support is a scheme where the government helps exporters by subsidizing the interest rate on loans they take for exports. This makes borrowing cheaper for exporters, helping them compete in global markets where financing costs might be lower. The objective is: • Reduce the cost of financing exports • Encourage exporters, especially in sectors facing global competition • Improve the country’s export performance How Does It Work? 1. An exporter takes a loan to finance the production, shipping, or marketing of goods to be exported. 2. Normally, the exporter pays interest at the prevailing rate (say 9% per annum). 3. Under Interest Equalisation Support, the government reimburses or subsidizes part of the interest. 4. As a result, the effective interest rate borne by the exporter is lower (say 6% instead of 9%). Example – Export of Textiles Let’s say: • A textile exporter in India wants to export garments to Europe. • The exporter borrows ₹1 crore (100 lakhs) at an interest rate of 9% per annum to finance production and shipment. Without support: • Annual interest = 9% of ₹1 crore = ₹9,00,000 With Interest Equalisation Support (subsidy of 3%): • Effective interest rate = 9% − 3% = 6% • Annual interest = 6% of ₹1 crore = ₹6,00,000 • The exporter saves ₹3,00,000 in interest expenses. This reduction helps the exporter: Offer competitive pricing Enter new markets Improve profitability Scale exports

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4 रक्तदाता चाहिए तुरंत

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Blood moon will be visible Tomorrow in India at 8 :58 pm. Do not miss this spectacular event.

India’s Birth Rate Down, First Dip in TFR in 2 Years (SRS Report 2023) Key Terms • CBR (Crude Birth Rate): Children born per 1,000 people in a year. • TFR (Total Fertility Rate): Avg. no. of children per woman. • Replacement Level TFR: 2.1 (needed to replace a generation). Key Findings • CBR: Declined to 18.4 in 2023 (from 19.1 in 2022). • TFR: Fell to 1.9 (first dip in 2 years; was 2.0 in 2021–22). • Highest CBR: Bihar (25.8) | Lowest CBR: Tamil Nadu (12). • Highest TFR: Bihar (2.8) | Lowest TFR: Delhi (1.2). • States with TFR > 2.1: Bihar, UP, MP, Rajasthan, Chhattisgarh. • 18 States/UTs: TFR below replacement level. • Elderly (60+): Now 9.7% of population (+0.7%). • Highest Elderly Pop: Kerala (15%) | Lowest: Assam, Delhi, Jharkhand (~7.6%). Implication: India is moving towards population stabilization, but aging population will pose new social & economic challenges. State with highest & lowest TFR (SRS Report) Bihar - 2.8 UP - 2.6 MP - 2.4 Rajasthan - 2.3 Jharkhand - 2.3 Chattisgarh - 2.2 Telangana - 1.5 Andhra Pradesh - 1.5 Kerala - 1.5 Karnataka - 1.5 Jammu & Kashmir - 1.5 Punjab - 1.5 Maharashtra - 1.4 Tamil Nadu - 1.3 West Bengal - 1.3 Delhi - 1.2