PM AWAS YOJANA
1. Context
2. PM Awas Yojana
- Pradhan Mantri Awas Yojana (PMAY) is a flagship housing scheme launched by the Government of India with the aim of providing affordable housing to the urban and rural poor.
- It was announced on June 25, 2015, by Prime Minister Narendra Modi as part of his vision of "Housing for All" by the year 2022.
- The scheme is designed to address the housing shortage in the country and improve the living conditions of the economically weaker sections (EWS), low-income groups (LIG), and middle-income groups (MIG).
3. Key Objectives of Pradhan Mantri Awas Yojana
- Affordable Housing: PMAY focuses on providing affordable housing units with basic amenities at an affordable cost to eligible beneficiaries.
- Inclusivity: The scheme aims to include all sections of society, especially those who are economically disadvantaged and marginalized, in the process of nation-building.
- Empowerment: By providing housing to beneficiaries, the scheme aims to enhance their quality of life, promote health and sanitation, and empower them economically and socially.
- Urban and Rural Coverage: PMAY aims to cover both urban and rural areas, recognizing the need for housing in both sectors.
- Women Empowerment: The scheme prioritizes the allocation of housing units in the name of the female head of the household, which helps in women's empowerment and ensures greater financial security.
4. The Pradhan Mantri Awas Yojana is implemented in three major components:
- Credit-Linked Subsidy Scheme (CLSS): Under this component, eligible beneficiaries from the EWS, LIG, and MIG sections can avail of interest subsidies on home loans. The amount of subsidy depends on the income category, and it helps reduce the effective interest rate on the home loan, making it more affordable for the beneficiaries.
- Affordable Housing in Partnership (AHP): This component targets the development of affordable housing projects in partnership with various public and private agencies. The government provides financial assistance to the partnering agencies to construct these houses.
- Beneficiary-led Construction (BLC): This component empowers the eligible beneficiaries to construct or enhance their houses on their own with the help of financial assistance provided by the government.
5. Aim of the scheme
- To provide a pucca house with basic amenities to all rural families, who are homeless or living in kutcha or dilapidated houses by the end of March 2022.
- To help rural people Below the Poverty Line (BPL) in the construction of dwelling units and upgradation of existing unserviceable kutcha houses by providing assistance in the form of a full grant.
- Beneficiaries: People belonging to SCs/STs, freed bonded laborers and non-SC/ST categories, widows or next-of-kin of defense personnel killed in action, ex-servicemen and retired members of the paramilitary forces, disabled persons, and minorities.
- Selection of Beneficiaries: Through a three-stage validation - Socio-Economic Caste Census 2011, Gram Sabha, and geo-tagging.
- Cost Sharing: The cost of unit assistance is shared between Central and State Governments in the ratio of 60:40 in plain areas and 90:10 for North Eastern and hilly states.
6. Performance of the Scheme:
- Only 55% of the construction target has been completed.
- Of the 2.28 crore houses to be built for the rural poor, less than 1.27 crore had been built by January 2021.
- Money has been sanctioned to almost 85% of beneficiaries.
- This scheme has helped in employment generation. Many states provided employment to their migrant laborers during the lockdown.
For Prelims: Pradhan Mantri Awas Yojana, Economically weaker sections (EWS), low-income groups (LIG), middle-income groups (MIG), Below Poverty Line (BPL), Credit Linked Subsidy Scheme (CLSS), Affordable Housing in Partnership (AHP), and Beneficiary-Led Construction (BLC).
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Previous year Question1. Time span of 'Pradhan Mantri Awas Yojana' is (UPPSC Civil Service 2016)
A. 2014 - 2021
B. 2014 - 2024
C. 2015 - 2022
D. 2015 - 2025
Answer: C
2. Pradhan Mantri Awas Yojana (Urban)-PMAY (U)’s mission is to achieve the goal of Housing for All in urban areas by: (SSC CHSL 2020)
A. 2022
B. 2023
C. 2021
D. 2020
Answer: A
3. Which of the following statement(s) regarding the Pradhan Mantri Awas Yojana (Urban) is/are true? (RBI Grade B 28 May 2022)
(i) The Government has approved the project for the construction of over 60,000 houses under the scheme in the next 5 years.
(ii) These 60,000 houses will be constructed across Andhra Pradesh, Chhattisgarh, Himachal Pradesh, Karnataka, and Rajasthan.
(iii) The total number of sanctioned houses under the scheme stands at 114.07 lahks.
A. Only (ii)
B. Both (i) and (ii)
C. Both (i) and (iii)
D. Both (ii) and (iii)
E. All (i), (ii) and (iii)
Answer: E
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INDIA-BHUTAN
1. Context
India and Bhutan enjoy “exemplary ties” of friendship and cooperation, based on trust, goodwill and mutual understanding at all levels, and the visit of Prime Minister Tshering Tobgay was in keeping with the tradition of regular high-level exchanges between the two countries
2. Historical Ties between India and Bhutan
India and Bhutan have a long and close history of diplomatic and economic ties, characterized by cooperation and mutual respect. Their relations can be traced back to ancient times when they had cultural and economic interactions.
- The modern era of India-Bhutan relations formally began with the signing of the Treaty of Friendship between India and Bhutan in 1949. This treaty laid the foundation for diplomatic, economic, and security cooperation. It also affirmed Bhutan's sovereignty while recognizing India's role in guiding its foreign policy.
- India has played a crucial role in ensuring Bhutan's security. During the border dispute between Bhutan and China in 2017, India supported Bhutan's stance, reinforcing their security cooperation.
- India has been a major source of economic aid and development assistance for Bhutan. Various Indian projects in Bhutan have focused on infrastructure development, education, healthcare, and other sectors, contributing to Bhutan's socio-economic progress.
- One of the significant areas of economic collaboration has been hydropower. India has been involved in the development of several hydropower projects in Bhutan, providing a source of revenue for the Bhutanese economy. These projects have also enhanced regional energy security.

3. Economic Ties and Road Connectivity
- The discussions involved plans for improved connectivity between the two nations, especially focusing on border areas and immigration posts to support Bhutan’s initiative for a smart city at Gelephu, situated on the border between Bhutan and Assam. This development aims to fortify ties and foster regional growth.
- India's approval for the final survey on a 58 km cross-border rail link between Gelephu and Kokrajhar in Assam marks a significant step. Additionally, both nations have agreed to explore an 18 km rail link between Samtse in Bhutan and Banarhat in West Bengal, fostering greater trade opportunities. Furthermore, the agreement to extend Bhutanese trade items to Chilahati in Bangladesh from Haldibari in West Bengal indicates a broader regional trade expansion strategy.
- India’s commitment to supporting Bhutan’s socio-economic development in line with Bhutanese government priorities was reaffirmed by Prime Minister Modi. This includes support for Bhutan's 13th Five-Year Plan and the Bhutanese King's vision for a Special Economic Zone in the Sarpang district, which includes plans for an international airport at Gelephu.
- Acknowledging India's support for Bhutan's 12th Five-Year Plan, the Bhutanese King expressed gratitude, while India reiterated its commitment to assist in the upcoming 13th Five-Year Plan. The joint statement highlighted the importance of their strong bilateral ties and mutual support in various developmental efforts.
- The decision to transform the Darranga-Samdrup Jongkhar border crossing into an immigration check post is aimed at enhancing connectivity, tourism, and facilitating entry for third country nationals. Upgrading the land customs station at Dadgiri in Assam to an Integrated Check Post (ICP) and developing facilities in Gelephu on the Bhutanese side will further support the Bhutanese Special Economic Zone project, boosting trade and connectivity.
- These joint initiatives are expected to ease travel between India and Bhutan, foster increased trade with Bangladesh, and bolster tourism revenues for Bhutan, particularly important in the wake of economic challenges resulting from the pandemic. Bhutan's initiatives, led by the King, intend to create more job opportunities and enhance tourism in the country.
4. Conclusion
The recent discussions and agreements between India and Bhutan focus on improving connectivity, trade, and tourism, as well as addressing economic challenges in Bhutan through infrastructure development and international cooperation.
For Prelims: India-Bhutan, Treaty of Friendship between India and Bhutan in 1949,
For Mains:
1. Discuss the prospects and challenges of the economic and infrastructure collaborations between the India-Bhutan. (250 Words)
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Previous Year Questions
1. When was the Indo-Bhutan Treaty of Peace and Friendship signed ? (UPRVUNL AE EE 2021)
A. 1949 B. 1953 C. 1951 D. 1950
Answer: A
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OTHER BACKWARD CLASSES
1. Context
Data concerning the representation of Other Backward Classes (OBCs) in rural local bodies of Tamil Nadu, as mentioned in the recently launched report ‘Status of Devolution to Panchayats in States’, have caught long-time observers of panchayats in the State by surprise
2. About the sub-categorization of OBCs
- The concept of sub-categorization of OBCs involves creating sub-groups within the larger OBC category for reservation purposes.
- Currently, OBCs are granted 27% reservation in jobs and education under the central government.
- However, there has been a debate over the equitable distribution of these benefits among the various OBC communities.
- Some argue that a few affluent communities within the Central List of OBCs have disproportionately secured the majority of the reservation benefits.
- Creating sub-categories aims to ensure a fairer distribution of representation among all OBC communities.
3. The Rohini Commission's Brief
- To examine the extent of inequitable distribution of reservation benefits among the OBC castes or communities included in the Central List.
- To devise a scientific approach for sub-categorization within the OBCs, including defining the mechanism, criteria, norms, and parameters.
- To identify respective castes, communities, sub-castes, or synonyms in the Central List of OBCs and classify them into their respective sub-categories.
- To study the Central List of OBCs and rectify any repetitions, ambiguities, inconsistencies, and errors.
- The Commission's progress has faced various challenges, including the absence of data on the population of different communities to compare their representation in jobs and education.
- Initially, the Commission had requested an all-India survey to estimate the caste-wise population of OBCs but later decided against it.
- Additionally, the government has remained silent on the collection of OBC data in the Census, despite demands from OBC groups.
4. The Extent of OBC Recruitment in Central Jobs
- As part of its findings, the Commission analyzed data from the preceding five years on OBC quota-based central jobs and admissions to central higher education institutions.
- It revealed that a disproportionate number of jobs and educational seats went to a small fraction of OBC sub-castes, with 37% of the total OBC communities having no representation in jobs and educational institutions.
- Regarding OBC representation in central jobs, as of March 17, the data showed that 20.26% of Group A to Group C employees were OBCs.
- However, the representation drops to 16.88% in Group A, where the reservation for OBCs is 27%.
5. The Way Forward
- Despite the challenges faced, the Commission has made significant progress, including drafting a report on sub-categorization.
- However, the final report is yet to be submitted. The extended tenure will provide the Commission with additional time to address the complexities of OBC sub-categorization and propose measures to achieve equitable distribution of reservation benefits among all OBC communities.
For Prelims: Rohini Commission, OBCs, Central List
For Mains:
1. Discuss the role of the government in addressing the demand for the enumeration of OBCs in the Census and its potential impact on OBC representation and welfare." (250 Words)
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Previous Year Questions
1. Who was appointed as the head of the OBC Sub-categorisation Commission?
(Maharashtra Talathi 2019)
A. Justice Geeta Mittal
B. Justice Manjula Chellur
C. Justice Tahilramani
D. Justice G. Rohini
Answer: D
2. Which of the following pairs of list and contents is/are correctly matched? (UPSC CAPF 2019)
1. State list Public health and sanitation
2. Union list Citizenship, naturalisation and aliens
3. Concurrent list Legal, medical and other
Select the correct answer using the code given below:
A. 1 only B. 1, 2 and 3 C. 2 and 3 only D. 3 only
Answer: B
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QUANTUM COMPUTING
1. Context
- Quantum computing is a rapidly-emerging technology that harnesses the laws of quantum mechanics to solve problems too complex for classical computers.
- IBM Quantum makes real quantum hardware a tool scientists only began to imagine three decades ago available to hundreds of thousands of developers.
- Engineers deliver ever-more-powerful superconducting quantum processors at regular intervals, alongside crucial advances in software and quantum-classical orchestration.
- This work drives toward the quantum computing speed and capacity necessary to change the world.
- These machines are very different from the classical computers that have been around for more than half a century.

3. Need for quantum computers
- For some problems, supercomputers aren’t that super. When scientists and engineers encounter difficult problems, they turn to supercomputers.
- These are very large classical computers, often with thousands of classical CPU and GPU cores. However, even supercomputers struggle to solve certain kinds of problems.
- If a supercomputer gets stumped, that's probably because the big classical machine was asked to solve a problem with a high degree of complexity. When classical computers fail, it's often due to complexity
- Complex problems are problems with lots of variables interacting in complicated ways.
- Modelling the behaviour of individual atoms in a molecule is a complex problem, because of all the different electrons interacting with one another.
- Sorting out the ideal routes for a few hundred tankers in a global shipping network is complex too.
4. Quantum computers work
- Quantum computers are elegant machines, smaller and requiring less energy than supercomputers.
- An IBM Quantum processor is a wafer not much bigger than the one found in a laptop.
- And a quantum hardware system is about the size of a car, made up mostly of cooling systems to keep the superconducting processor at its ultra-cold operational temperature.
- A classical processor uses bits to perform its operations. A quantum computer uses qubits (CUE-bits) to run multidimensional quantum algorithms.
4.1. Superfluids
- A desktop computer likely uses a fan to get cold enough to work.
- Quantum processors need to be very cold about a hundredth of a degree above absolute zero.
- To achieve this, we use super-cooled superfluids to create superconductors.
4.2. Superconductors
- At those ultra-low temperatures, certain materials in our processors exhibit another important quantum mechanical effect: electrons move through them without resistance. This makes them "superconductors."
- When electrons pass through superconductors they match up, forming "Cooper pairs."
- These pairs can carry a charge across barriers, or insulators, through a process known as quantum tunnelling.
- Two superconductors placed on either side of an insulator form a Josephson junction.
4.3. Control
- Our quantum computers use Josephson junctions as superconducting qubits.
- By firing microwave photons at these qubits, we can control their behaviour and get them to hold, change, and read out individual units of quantum information.
4.4. Superposition
- A qubit itself isn't very useful. But it can perform an important trick: placing the quantum information it holds into a state of superposition, which represents a combination of all possible configurations of the qubit.
- Groups of qubits in superposition can create complex, multidimensional computational spaces. Complex problems can be represented in new ways in these spaces.
4.5. Entanglement
- Entanglement is a quantum mechanical effect that correlates the behaviour of two separate things.
- When two qubits are entangled, changes to one qubit directly impact the other.
- Quantum algorithms leverage those relationships to find solutions to complex problems.
- Right now, IBM Quantum leads the world in quantum computing hardware and software. It is a clear and detailed plan to scale quantum processors, overcomes the scaling problem, and build the hardware necessary for quantum advantage.
- Quantum advantage will not be achieved with hardware alone.
- IBM has also spent years advancing the software that will be necessary to do useful work using quantum computers.
- They developed the Qiskit quantum SDK. It is open-source, python-based, and by far the most widely-used quantum SDK in the world.
- The Qiskit Runtime is the most powerful quantum programming model in the world.
- Achieving quantum advantage will require new methods of suppressing errors, increasing speed, and orchestrating quantum and classical resources.
For Prelims: Quantum computing, supercomputers, Qiskit Runtime, IBM, National Mission on Quantum Technologies and Applications, superconductors,
For Mains:
1. What is Quantum computing? Discuss the need for Quantum Computers in emerging countries like India. (250 Words)
2. What are quantum computers and how are they different from conventional computers? Where does India stand in the race to build quantum computers that can realise their full potential? (250 Words)
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Previous Year Questions
1. India's first Supercomputer is (TSPSC AEE 2015)
A. Aditya
B. Param Yuva
C. Param
D. Vikram-100
Answer: C
2. What is the full form of IBM? (SSC Steno 2017)
A. International Business Machine
B. Indian Beta Machine
C. Integral Business Machine
D. Internal Beta Machine
Answer: A
3. Which one of the following is the context in which the term "qubit" is mentioned? (UPSC 2022)
A. Cloud Services
B. Quantum Computing
C. Visible Light Communication Technologies
D. Wireless Communication Technologies
Answer: B
4. Quantum computing uses (ACC 124 CGAT 2021)
A. Qubit
B. Bits
C. Bytes
D. Qubytes
Answer: A
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ISLAM AND INDIA
- The presence of Islam in India dates back to the 7th century, with the establishment of significant mosques such as the Cheraman Juma Mosque in Kerala, the Palaiya Jumma Palli in Tamil Nadu, and the Barwada Mosque in Gujarat— the latter uniquely oriented towards Jerusalem.
- These places of worship were constructed by Arab sailors and merchants, often with the patronage of local Hindu rulers, marking the initial introduction of Islamic teachings to Indian shores.
- A Persian text from the 13th century recounts the Arab expeditions in the 7th and 8th centuries, attempting to capture regions such as Thana near present-day Mumbai.
- However, these incursions were successfully resisted by ruling dynasties like the Pratiharas.
- While Islam primarily expanded in India through trade networks, it also entered the subcontinent via military campaigns, particularly in the Sindh region during the 7th century.
- By the 10th century, Central Asian raiders, notably Mahmud of Ghazni, began crossing the Hindu Kush mountains, launching raids on North Indian temples in search of wealth.
- Unlike the earlier Arab traders, these invaders were predominantly Turkic groups from Central Asia.
- From the 12th century onward, they established settlements and began exploiting India’s agricultural resources. By the 15th century, the dominance of the Turks and Afghans had waned, giving way to the emergence of the Mughal Empire
- The arrival of the Sultans in India brought with it a new Persian-influenced court culture, which gradually replaced the earlier Sanskritic traditions. Their mastery of cavalry warfare made them a dominant military force, which is why Rajasthan has many folk deities associated with horse-riding, known as ‘pirs’ and ‘virs,’ revered by both Hindus and Muslims.
- In South India, this cultural synthesis is reflected in temple traditions where Muslim warriors, such as Vavar and Ravuttan, are depicted as protectors of Hindu gods and goddesses.
- Similarly, in Vishnu temples like Srirangam, the presence of Bibi-Nachiyar—a Muslim princess believed to be a consort of the deity—highlights the deep cultural interconnections of the time.
- From the 12th century onward, Sufi mystics from Central Asia began arriving in India, gaining widespread popularity, especially after the Mongol invasions disrupted the old Arabic empire.
- These Sufis traveled extensively along trade routes, bringing with them not only spiritual teachings but also practical knowledge in law, medicine, and agriculture. While some were warriors or ghazis, others were preachers who provided solace and guidance to local communities, making them highly respected figures.
- Upon their passing, their tombs, known as dargahs, became centers of spiritual devotion, attracting people from diverse backgrounds seeking divine blessings. Over time, these Muslim pirs integrated with Hindu virs, becoming an integral part of India's rich folk traditions and religious landscape
- Beyond trade and conquests, Islam also expanded in India through agricultural innovations. From the 10th century onward, Sufi settlers introduced advanced farming techniques, such as underground water canals and water wheels, which had been developed in regions like Persia and Spain.
- These innovations enabled cultivation in arid areas, particularly in Sindh and Punjab, transforming previously barren lands into fertile fields. As a result, landless peasant communities, such as the Jats, gained access to land and experienced economic upliftment. Over time, these regions developed significant Muslim populations, eventually forming the foundation of what later became Pakistan.
- During the Mughal era in eastern India, a shift in the Ganga River’s course exposed new tracts of land suitable for cultivation. The Mughal administration encouraged farming in these areas to boost revenue, drawing in frontier communities that had previously remained on the periphery of mainstream society.
- Many Sufi scholars, who had been marginalized in Delhi, supported these settlers in building new agricultural settlements, which later contributed to the formation of Bangladesh.
- This period also saw the emergence of unique cultural and religious traditions, such as the veneration of Panch Pir—five revered Muslim saints who were often identified with the Five Pandavas of Hindu mythology.
- Additionally, figures like Bon Bibi, a guardian spirit of the Sunderbans, became central to local belief systems.
- Architecturally, the mosques built in Bengal during this time featured terracotta designs resembling traditional Bengali huts, reflecting a distinct departure from the Arabic-Persian styles seen elsewhere
- The influx of Muslim migrants from Central Asia and Persia increased significantly after the Mongol invasions of the 13th century. Many were drawn to India due to the vast job opportunities offered by the Delhi and Bahmani sultanates.
- Some arrived with their families, while others married local women. These immigrants took on various roles, serving as naukars (paid soldiers) and chakars (accountants), bringing Islam along with them.
- As members of the elite, they predominantly spoke Persian and constructed Persian-style mosques in the Deccan, such as the renowned Gawan Madarsa in Bidar.
- However, tensions arose between local Indian Muslim elites and the newly arrived immigrant Muslims. The latter often viewed Indian Muslim converts, particularly those from marginalized backgrounds, with disdain.
- Over time, Islam in India began to reflect the existing caste hierarchy, with Sayyids—those claiming descent from the Prophet Muhammad—occupying a superior status, while Pasmandas (a Persian term for marginalized Muslim communities) were regarded as lower caste. In between were groups who traced their lineage to Arab merchants and Persian nobility.
- The introduction and expansion of Islam in India was not a singular event but rather a complex, multi-layered process spanning over seven centuries. It involved a combination of trade, warfare, missionary efforts, agricultural advancements, and migration, each contributing to the diverse and evolving landscape of Islam in the Indian subcontinent
For Prelims: Religion, Art , Culture
For Mains: GS I - Art & Culture
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CORPORATE SOCIAL RESPONSIBILITY (CSR)
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- Around 47% of India’s population relies on agriculture for employment, a share far above the global average of 25%. Agriculture contributes about 16.73% to India’s GDP. With food production now relatively stable, current concerns focus on issues like the degradation of natural resources, stagnating farmer incomes, and the impacts of climate change.
- Recently, corporations have shown increased interest in supporting climate action and sustainability in India’s agricultural sector through their CSR budgets.
- A CSR outlook report from last year indicated that 23% of surveyed companies prioritized “environment and sustainability” in their CSR initiatives. Indian agriculture today faces urgent needs for capital investment and infrastructure development, areas where CSR efforts have already made an impact and are expected to continue.
- Examples include establishing grain banks, farmer training centers, agriculture-based livelihood projects, water conservation programs, and energy-efficient irrigation systems.
- The recent shift towards sustainable and modern agriculture further underscores the role CSR funding from the private sector can play in supporting these efforts
- A significant challenge limiting CSR's impact on agriculture is the lack of a comprehensive system to consistently track and categorize funds directed specifically toward agriculture-related projects.
- Current reporting methods do not emphasize agricultural CSR initiatives distinctly. According to Schedule VII of the Companies Act, CSR activities that support agricultural sustainability may fall within 11 of the 29 categories for CSR spending.
- These categories include areas like gender equality, agroforestry, hunger and poverty eradication, technology incubation, animal welfare, environmental sustainability, livelihood enhancement, resource conservation, rural development, reducing socio-economic inequalities, and women’s empowerment.
- However, these broad categories cover diverse activities, many unrelated to agricultural sustainability, making it difficult to isolate and assess funding specifically for agriculture.
- Given agriculture’s critical role in India’s economy and its alignment with national goals for sustainable growth and a just transition, defining agriculture as a standalone CSR sector is essential.
- Shifting the reporting framework to focus on specific sectors receiving funds could enhance fund targeting, improve accountability, and ensure meaningful contributions.
- Identifying key sustainability challenges in agriculture and directing resources accordingly would also support measurable progress in this vital sector