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THE HINDU editorial Analysis in Hindi today EDITORIAL The Hindu Editorial Decode in Hindi DATE: 28 JUNE 2018 Thursday UPSC IAS EXAMS YOUTUBE CHANNEL BY KARDAM RAVAL GENERAL STUDIES EXPERT WE BELIEVE IN DELIVERING EXCELLENCE
Today s Roadmap REALITY CHECK: ON BANK NPAS CAUTION AGAINST SHAMING FUN FACT ANALYSIS VOCABULARY
FUN FACT Where is prakasam barrage? The structure of the Prakasam Barrage stretches 1223.5 m across the Krishna River connecting Krishna and Guntur districts. The barrage serves also as a road bridge and spans over a lake. The three canals associated with the barrage run through the city of Vijayawada, crossing it and giving it a Venetian appearance. Commonly called Ujjwala Yojna, PMUY was launched on 1 May 2016 by Prime Minister Narendra Modi in Ballia, Uttar Pradesh. The aim of the scheme is to provide five crore LPG connections to BPL families, especially women, with a subsidy of Rs.1,600 per connection in the next three years.total expenditure of Rs.8000 crore has been set aside for target of five crore connections.beneficiaries will receive direct LPG subsidy through PAHAL digital payment scheme.in 2016-17, PMUY recorded the highest number of LPG connections at 2,16, 59,870 against the target of1.5 crore. It was achieved in just 11 months. By 2019, the scheme will add 10 crore new connections and 5 crore BPL families.overall, 3.25 crore new LPG connections were given in 2016-17, which is also the highest in the country. PMUY was laumched on which date?
Prakasam Barrage
Reality check: On bank NPAs RBI report warns that the worst on NPAs may be yet to come. Urgent changes are needed
Reality check: On bank NPAs The worst is far from over for Indian banks. The financial stability report released by the Reserve Bank of India on Tuesday has warned that the gross non-performing assets (GNPAs) of scheduled commercial banks in the country could rise from 11.6% in March 2018 to 12.2% in March 2019, which would be the highest level of bad debt in almost two decades. This puts at rest the hope of a bottoming out of the NPA crisis that has affected the banking system and impeded credit growth in the economy. The GNPA of banks under the prompt corrective action framework, in particular, is expected to rise to 22.3% in March 2019, from 21% this March. The RBI believes that this will increase the size of provisioning for losses and affect the capital position of banks. In fact, the capital to risk-weighted assets ratio of the banking system as a whole is expected to drop from 13.5% in March 2018 to 12.8% in March 2019.
Continue The deteriorating health of banks is in contrast to the economy, which is on the path to recovery, clocking a healthy growth rate of 7.7% during the last quarter. The RBI, however, has warned about the rising external risks that pose a significant threat to the economy and to the banks. The tightening of monetary policy by the United States Federal Reserve and increased borrowing by the U.S. government have already caused credit to flow out of emerging markets such as India. The increase in commodity prices is another risk on the horizon that could pose a significant threat to the rupee and the country s fiscal and current account deficits. All these factors could well combine to increase the risk of an economic slowdown and exert pressure on the entire banking system.
Continue A major highlight of the financial stability report is the central bank s finding that public sector banks (PSBs) are far more prone to fraud than their private sector counterparts. This is significant in light of the huge scam unearthed at a Punjab National Bank branch earlier this year. The RBI notes that more than 85% of frauds could be linked to PSBs, even though their share of overall credit is only about 65%. This should come as no surprise given the serious corporate governance issues faced by public sector banks, which to a large extent also contributed to the lax lending practices that are at the core of the NPA crisis. In his foreword to the report, RBI Deputy Governor Viral Acharya has noted that governance reforms at PSBs, if implemented, can help improve their financial performance and also reduce their operational risks. For now, the RBI expects the government s recapitalisation plan for banks and the implementation of the Insolvency and Bankruptcy Code to improve the capital position of banks. These reforms can definitely help. But unless the government can gather the courage to make drastic changes to aspects of operational autonomy and the ownership of PSBs, future crises will be hard to prevent.
Caution against shaming The Kerala High Court s judgment on obscenity will have monumental implications The image of a young model on the cover of Grihalakshmi actually makes only a very small dent in this deeply-entrenched, if entirely modern, taboo.
Caution against shaming The wave of shaming that was unleashed in the wake of the appearance of the image of a breastfeeding woman on the cover of Grihalakshmi, a leading women s magazine in Malayalam, in March this year, seems to have finally been contained by the Kerala High Court s eloquent judgment. Dismissing a writ petition claiming that the image was obscene, insulting to women and in violation of child rights, the judges explicitly stated that these claims were unfounded. They cited recent scholarship on free speech which cautions against anti-pornography positions that may only too easily slide into rank conservatism. This judgment is especially significant for Kerala where social conservatism has historically stayed largely unchallenged and spread right across the political spectrum. And where the challenge to it comes largely from the young, this judgment may seem to have monumental implications.
Echoes from the past In a certain frame, this might appear to be the modern woman determined to also stay traditional, by embracing communitysanctioned marriage and motherhood in traditional ways. The High Court judgment does consider whether the exposed female body is instantly obscene, and rejects the idea. It does mobilise ancient Indian culture to support its argument citing the representational traditions of Indian art but later, seemingly addressing others who identify modesty that demands the clothed body as tradition, says: We cannot, as a nation people of all shades of faith and belief afford to chain ourselves to the past, glorious it may have been Only from the prism of the present, the past appears to be glorious.
Cause for worry Clearly, this brings cheer to those who defended the cover as essentially non-sexual, and actually more related to developmental concerns such as maternal and child health. It also comforts those who would defend the image as a defiant depiction of pleasure in the mother-child physical bond. And these are, no doubt, important gains. Yet, at a time in which the government seems to be relentlessly pushing maternal-and-child and kitchen-centred programmes as women s development, and given the slant towards social conservatism evident in many publications, one cannot but worry.
VOCABULARY 1. PROSAIC (ADJECTIVE): (न रस): vapid 2. SAVAGE (ADJECTIVE): (क र र): atrocious 3. CONTRETEMPS (NOUN): (अननष ट): accident 4. BUDDING (ADJECTIVE): (नव द त): developing 5. OUT-AND-OUT (ADJECTIVE): (व य ऩक): exhaustive 6. FATALITY (NOUN): (म त य - र): death 7. STATUTORY (ADJECTIVE): (व ध ननक): sanctioned 8. RECONDITION (VERB): (ऩ नननव यन): renovate 9. MOULD (VERB): (क टन ): cut carefully 10. SPECK (NOUN): (धब ब ): stain
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