Saturday 10 August 2013

GS "Ethics, Integrity and Aptitude" sample paper by UPSC

Sample Questions for paper 5 of Civil Services Mains i.e for the "Ethics, Integrity and Aptitude" paper has been released by UPSC. The sample paper consists mainly of case studies with other basic stuff  related to the terms in syllabus.

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SAMPLE QUESTION NO. 1  
What do you understand by ‘Ethical Human Conduct’? In what way is it important to be ethical along with being professionally competent?  

SAMPLE QUESTION NO. 2
What do you understand by the following terms? Point out their  specific relevance in public service;
(i) Intellectual integrity  (ii) Empathy  (iii) Perseverance  (iv) Spirit of service  (v) Commitment
Indicate two more attributes which you consider very important for  public servants. Justify your answer.

SAMPLE QUESTION NO. 3  
Which great Indian personality has inspired you the most as a role model and how have you been able to benefit in your own life by such an inspiration?

SAMPLE QUESTION NO. 4 ( CASE STUDY )  
You have been working with your team for almost a year. One of your subordinates Mr. A is very effective and hard working, he takes responsibility and gets things done. However, you have heard that Mr. A makes loose comments about women. Mrs X who is working under A, comes to you, she is visibly disturbed. She tells you that Mr. A has been making undue advances towards her and has even asked her to go out for dinner with him. She wants to give a written complaint seeking action against Mr. A. what would you do and why ?

SAMPLE QUESTION NO. 5 ( CASE STUDY )  
You have grown up with X, who has been your best friend since childhood. You have shared your joys and sorrows and have been each others confidante. Both of you are in your final year graduation and writing your final exams. In the exam you notice that your friend is copying and cheating a lot. What would you do and why?

SAMPLE QUESTION NO. 6 (CASE STUDY)  
You are posted as the Medical Superintendent of a District level Govt Hospital which caters to the need of poor patients from surrounding rural areas along with the local people from the district town.  As such the hospital has very good infrastructure and adequate equipment to cater to this need. It also receives sufficient funds to meet the recurring expenditure. Inspite of this there have been repeated complaints particularly from the patients which include the following  

  1. Very poor maintenance and un-hygienic conditions in hospital premises.  
  2. The hospital staff frequently demanding bribes from the patients for the services rendered.  
  3. The negligent attitude of the Doctors resulting in times of casualties.  
  4. Siphoning of a substantial stock of medicine by the staff and selling it out.  
  5. Strong nexus between the senior Doctors of the hospital and the owners of local private nursing homes and testing labs as a result of  which the patients are strongly misled and dissuaded from availing  the hospital facilities and rather compelled to purchase costly  medicines from market and get medical tests and even operations  done from private medical houses.  
  6. There also exist a notorious employee union which puts undue  pressure and resents any reformative step by the administration.  

Ponder over the situation and suggest effective ways to tackle each of  the above mentioned problem.  

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Friday 9 August 2013

Essay Strategy

Throughout my CSE essay paper,I followed the strategy given by Puneet Gulati who had secured 140 marks out of 200 in the Essay paper of CSE 2009 (AIR-319). I am pasting his strategy and hope you will find it useful. While there can be other ways in which one can score marks, this seems a tried and tested way to score decently. 
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Puneet Gulati ( AIR-319, CSE 2009) strategy for Essay
The strategy that I propose for the essay is based on my own experience as well as what I learnt from my English teacher during my school days. In CSE 2009, I scored 140/200 in the Essay. I wrote on “Good Fences Make Good Neighbours”.
1. Preparation for the Essay – Regular reading is the only stable and time-tested way to prepare for the Essay. There is no short-cut to improving one’s language. One must read and learn to apply what one has read. Those attempting the paper in English, should read the Editorials of papers like the Hindu, the ToI, Indian Express, Hindustan Times etc. One should also try remembering some quotations that one comes across while reading books etc. Maintain a notebook/word document for keeping track of such quotations. Let me recommend here “Inspite of the Gods” by Edward Luce as a valuable read on India before you go for your Mains. Practice Writing Essays for those who are not very sure of their abilities to tackle Essay paper well. Write at least 4-5 essays before sitting for the Mains in Oct-Nov this year.
2. Attempting the Essay Paper
a. Choosing the Essay – This is the most critical but curiously most under-rated part of the paper. Choosing the right topic to write on is half the battle won. Spend at least 5-10 minutes carefully studying the topics. Many candidates pick up a topic and start writing and then realize they don’t have enough to talk about. They end up wasting time as they try choosing another topic later. This year there were 5 topics:
i. Are our traditional handicrafts doomed to a slow death?
ii. Are we a ‘soft’ state?
iii. The focus of health care is increasingly getting skewed towards the ‘haves’ of our society
iv. Good fences make good neighbours
v. Globalism vs Nationalism
The candidate must study each topic and decide which of these topics gives him the maximum number of ideas. Mind-mapping or jotting points may help. Take up each topic and ask yourself, “What can I say about this?” For some topics you’ll not be able to proceed beyond two lines. I felt this when I looked at “Handicrafts” and “Healthcare” questions. Both these essays are asking us questions – Do you agree with the statement? (explicitly in the case of ‘handicrafts’ and implicitly in the case of ‘healthcare’. In fact, all other questions are doing this, except “Globalism vs Nationalism”). 

Candidates must answer the question no matter which of these two topics they choose. Writing a general answer without taking a stand when the question is asking you for a stand will not fetch you high marks because then you would not be answering the question. Hence, please, please, please answer the question. In my case, I realized I would not be able to handle either of these topics even if I agreed with the statements because of very limited knowledge about the arguments ‘for’ or ‘against’ the topic. Having rejected these two topics, I examined the other three. I thought about the question on “Soft” State. It was an inviting topic but I realized that I would not be able to provide any interesting insights into the issue. Moreover, I was worried I may inadvertently overlook some important arguments. Hence, I decided to examine the other two questions – Good fences and Globalism vs Nationalism. Topic 5 offered a discussion based essay where there was nothing obvious to agree or disagree about except maybe that there is necessarily a clash of ideologies (this could be questioned), while topic 4 required me to take a stand. I spent some time thinking about the arguments I could offer in both essays and realized that ‘Good Fences’ offered me greater creative license. To me, this was important as I was free to offer a much wider perspective on it. In addition, I could recall the poem – Mending Wall (by Robert Frost….I had studied it in class X) from which the line “Good Fences Make Good Neighbours” was taken. Moreover, I felt that this essay would be attempted by fewer candidates because of the nature of the question. (Please note that this criteria helps only those who are fairly sure of their ability to handle the topic. If you are not sure of your language or knowledge about the topic, please choose topics entirely on the basis of what may be easier to handle)
b. Planning – Having settled on a topic of your choice, spend the next 45-50 minutes planning your essay. Planning has some very important steps:
i. Identify Key Words – Read the topic you have chosen and identify the most important words in the topic. In my case, it was “Good fences” and “good neighbours”. Both these terms need some defining in the essay. So think of how you would address what are fences and what are good neighbours. Similarly, for someone writing on healthcare needs to define healthcare and the so called “haves” of the society in India. Someone doing “handicrafts” should be able to identify what our ‘traditional handicrafts’ are and what is happening to them. A candidate talking about ‘soft state’ must know what ‘softness’ means in various dimensions of a State. Those writing on Globalism vs Nationalism” must understand both the terms very well and be able to express them.
ii. Scope of the essay – Often one needs to limit one’s analysis due to time and space constraints. Identifying the scope of one’s essay means identifying the issues that the writer will focus on For instance, the topic “Good Fences make Good Neighbours” can be interpreted in many ways. Neighbours can be countries, your immediate next-door neighbors, your colleagues in office or could simply be animals living in symbiotic relationship in the wild. Limiting one’s scope means that one is going to focus on certain aspects of the issue although one recognizes that there is a much broader interpretation of the topic. For instance, “Are we a ‘soft’ state?” is talking about India as a “soft” state. This “softness” is visible in the external and internal security threats,our response to threats, our very accommodative political system, our very flexible rules, maybe a flexible social system and some other dimensions. Having recognized all this, you may want to limit yourself to discussion of only security issues. The writer must be able to recognize the breadth of the topic but draw his/her own borders for discussion. However, given that we have 3 hours to write the Essay Paper, a reasonably wide scope for the Essay may actually give greater avenues to explore the topic. So choose a scope that is reasonable – not too narrowly focused, nor so wide that you need to spend a lifetime covering it.
iii. Planning your introduction – Spend time doing this. Recall any quotations that might be relevant. For me, lines from the “Mending Wall” provided me a good platform to launch my introduction. Your introduction must be clear and should immediately reflect that you have understood the topic. You should define / talk about the key words of the topic and what they mean to you. You should spell out the scope of your essay. And finally you should present your “Thesis Statement”.
iv. Thesis Statement – Thesis statement is your succinct one line answer to the Essay question. It may be simply “I agree with the statement” or a more refined and sophisticated complex sentence. For instance, for the handicrafts question, the Thesis statement (if you agree with the statement) could be “Despite efforts being made by the government and various NGOs, our traditional handicrafts continue to face challenges, which if not overcome, will verily lead to their slow death. In fact, the process may be faster than it appears at the moment.” This has clarified your stance right away to the examiner that you believe that a slow death for handicrafts is likely. (A candidate could actually take a view that the slow death is inevitable but something can be done about it to prevent it. Alternatively, it’s also possible to argue that traditional handicrafts are anachronistic and needn’t be kept alive on artificial life support systems. Depends on the candidate’s perspective but he must justify.) Similarly, for the topic on “Soft State”, a thesis statement would be like, “Detractors may continue to accuse India of softness. However, a closer look at the multitude of challenges and constraints under which our country operates may reveal that what is actually interpreted as softness, is nothing but our age-old philosophy of pragmatism and accommodation”. Another example for a thesis statement may be for “Globalism vs Nationalism” – “While ‘globalism’ and ‘nationalism’ appear to be extremes of an ideological spectrum, I believe there may not necessarily be incompatibility between them. The two may coexist comfortably and in fact, mutually reinforce each other. This view certainly calls for a closer examination of the natures of these two ideologies and this is what this essay seeks to achieve.” A solid thesis statement wins 5-10 more points right away and makes the reader / examiner keen to read the rest of your essay. Thesis statement is an indispensable part of the Introduction to any good Essay. It is like setting the stage for the onslaught.
v. Planning the body of your essay – The candidate must think of different dimensions of the essay here. Typically, this is the part where you need to think about the arguments in favour or against your stand. For instance, if your stand is that “India is not a soft state” you must have an idea about what might be the arguments against your stand which suggest that “India is a soft state”. Jot down both sets of arguments. You need to know both sides because you want to reflect that you understand both sets of arguments and are making a balanced assessment. Now take each argument, especially those that support your stand, and think of some examples, anecdotes etc. to support your points. (This is called ‘substantiation’) You can also take an example which might appear to be supporting the contrary view and interpret it in a way that appears to be supporting your opinion. For instance, in the “soft state”, a contrary view could be that India didn’t act against Pakistan after Parliament attacks or 26/11 unlike the USA which did after 9/11. But you could craft this into something that supports your view that India probably acted to the best of its abilities under the constraints. Similarly, for the topic “Globalism versus Nationalism”, you need to think of different dimensions of these two terms. Globalism could mean economic integration, cultural homogeneity, dominance of western thought, international approach to problems facing humanity etc etc. Nationalism would suggest pride in one’s culture, nation, people, lifestyle, protectionism etc. Think of suitable examples. Also think of how you would reconcile the two ideologies if your stance is that there is no necessary dichotomy between the two. Mindmapping is a useful tool for this phase. Basically, this involves writing a point and drawing arrows around it with some examples or sub-points. This depends on the candidate. Some people like to do this while brain-storming for ideas.
vi. Conclusion – Think of a powerful conclusion to your essay. Something that ties up the loose strings and completes your analysis. You could end with a reiterating statement that reflects your stance or a quotation. You could also end with some recommendations…like in the healthcare essay or the handicrafts essay….some suggestions to prevent your analysis from being realized i.e. making healthcare actually available to all or preventing the death of handicrafts. For instance, for the “good fences” essay, I concluded my analysis by saying that “Much as I would like to share in Frostian romanticism of having a borderless, fenceless world where everyone lives happily, I cannot disagree with his neighbour’s grasp of worldly realities”. Then I quoted the last 3 lines of Mending Wall “He won’t go behind his father’s saying. He likes having thought of it so well. He says again “Good Fences Make Good Neighbours””. This was a subtle way of ending my essay.
c. Writing your Essay – Proper Planning Prevents Poor Performance. Once planning has been done, the final task is just to put down in good grammatically correct English (or the chosen language) all your thoughts. Focus on the grammar here. That must be as accurate as possible. Refrain from using tough words if you are not confident about their meaning. Simple, clear sentences are much better than complicated, flowery language which is hard to understand. The purpose of the Essay is not to show-off your language, but to show your thought process and your refined ideas. Focus on linking your paragraphs. Use connectors like – Moreover, In Addition, Furthermore, However, Nevertheless, While – to traverse from one paragraph / point /argument to the next. For giving examples, use different terms like – for example, for instance, consider this, notably etc.
d. Revising your essay – Once you have written your essay, spend at least 15 minutes revising it for grammatical and spelling mistakes and for making sure your sentences bring out exactly what you mean. Would you like to read an essay or an article in which there are mistakes or which you feel has not been revised by the editor? Similarly, the examiner also wouldn’t think very highly of you if there are glaring mistakes. Revision helps us eliminate these errors. I saw many candidates scrambling to finish their essays even at the last minute. This is bad practice. Finish your essay 15 minutes before time. You would have written enough. 1000-1500 words for the essay are enough to convey any idea you want. Anything more than this would be too much for the examiner to read and follow. Moreover, you yourself would tire out and will lose focus if your essay is too long. So keep it just the right length. This is broadly a healthy strategy to attempt the Essay paper. I cannot guarantee that this will help candidates score 140+ in the Essay, but I am very sure that a candidate who learns to follow this strategy will write meaningful essays and will not score below 50% in the Essay. This would mean that Essay will not be the reason for the candidate’s rejection. Some of you may actually get into the CSE list because of the Essay and one of your other high performance papers.
All the best.
Comments and queries are welcome.
sunny.pgulati@gmail.com
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Sunday 28 July 2013

Natural Hazards & Disaster Management - GS 1&3

With Disaster Management mentioned in the heading of the syllabus in GS 3, it assumes more importance than earlier. 
Also, in GS1 syllabus "Important Geophysical phenomena such as earthquakes, Tsunami, Volcanic activity, cyclone etc" is there. 

The following document on "Natural Hazards and Disaster management"  by CBSE covers these topics pretty well and would suffice for these topics. Hope you find it useful.

Mechanical Engineering as optional


My friend, Raveesh Gupta , AIR-16, CSE 2011 had cracked the Mechanical engineering optional by scoring 435 marks in it..His views can be read on the link given below..I am re-producing just the list of books here too...
  • Mechanics of Rigid Bodies – No particular book – questions are of the same nature as asked in the engineering entrance examinations, and are of much simpler level – may use any XI standard book on Mechanics (Arihant etc.)
  • Mechanics of Deformable Bodies – B.C.Punmia (Mechanics of Materials) (many also recommend Sadhu Singh)
  • Engineering Materials – Relevant chapters of the book on Manufacturing by E.Paul De Garmo (many recommend V.Raghavan)
  • Theory of Machines – S.S.Rattan (Sharma and Aggarwal for Machine Design)
  • Manufacturing Processes – E.Paul De Garmo (some inputs from Hazra Chowdhary as well)
  • Manufacturing Management – E.Paul De Garmo, various “free view” snippets from Google books*
  • Thermodynamics – P.K.Nag
  • Gas Dynamics & Turbines – S.M.Yahya
  • Heat Transfer – J.P.Holman
  • I.C.Engines – Mathur & Sharma (Ganeshan, or Obert might be as useful)
  • Steam Engineering – P.K.Nag
  • RAC – C.P.Arora

Source: http://raveeshgupta.blogspot.in/2012/10/mechanical-engineering-as-optional.html

Thursday 25 July 2013

Measures taken by RBI to address Exchange Rate Volatility

The market perception of likely tapering of US Quantitative Easing has triggered outflows of portfolio investment, particularly from the debt segment. Consequently, the Rupee has depreciated markedly in the last six weeks. Countries with large current account deficits, such as India, have been particularly affected despite their relatively promising economic fundamentals. The exchange rate pressure also evidences that the demand for foreign currency has increased vis-a-vis that of the Rupee in part because of the improving domestic liquidity situation.

Against this backdrop, and the need to restore stability to the foreign exchange market, the following measures are announced:

  1. The Marginal Standing Facility (MSF) rate is recalibrated with immediate effect to be 300 basis points above the policy repo rate under the Liquidity Adjustment Facility (LAF). Consequently, the MSF rate will now be 10.25 per cent.
  2. Accordingly, the Bank Rate also stands adjusted to 10.25 per cent with immediate effect.
  3. The overall allocation of funds under the LAF will be limited to 1.0 per cent of the Net Demand and Time Liabilities (NDTL) of the banking system, reckoned as Rs.75,000 crore for this purpose. 
  4. The overall limit for access to LAF by each individual bank is set at 0.5 per cent of its own NDTL outstanding as on the last Friday of the second preceding fortnight.
  5. Currently, banks are allowed to maintain their Cash Reserve Ratio (CRR) prescribed by the RBI on an average daily basis during a reporting fortnight, with a minimum of 70 per cent of the required CRR on a daily basis. Effective from July 27, 2013, banks will be required to maintain a minimum daily CRR balance of 99 per cent of the requirement.

Wednesday 24 July 2013

2014 CSE exam aspirants

For those appearing in Civil Services Exam 2014, focus just on mains preparation as the preliminary exam would be held pretty late next year, i.e 24 August 2014. The gap between mains and prelims is less than 4 months ( starts 14 Dec 2014) , so focus on making notes and completing your preparation for the optional as well as static parts of GS. The time after prelims should be spent only on current GS and revision.

UPSC time-table for all exams next year can be seen at:

http://upsc.gov.in/exams/calendar/2014/approved-ANNUAL%20PROGRAMME-%202014.pdf


Tuesday 23 July 2013

Monday 22 July 2013

Physics optional for Civil Services

I did not have Physics optional myself, but this is an attempt to compile the information available across the internet from various toppers over the years to make it accessible to those who do not know about stalwarts like Supreet Singh Gulati Sir ( AIR-2,CSE 2007), whose notes have become legendary in the Physics community in Delhi. You can also buy the xerox copies of his notes (costs around 700 rupees) from "Jawahar Book Depot" in Ber Sarai, New Delhi.

Supreet Singh Gulati - AIR-2, CSE 2007 

http://piedhornbill.blogspot.in/2008/08/physics-mains-part-i.html

http://piedhornbill.blogspot.in/2008/08/physics-mains-part-ii.html

http://piedhornbill.blogspot.in/2008/08/physics-mains-part-iii.html

http://piedhornbill.blogspot.in/2008/08/physics-mains-part-iv.html

http://piedhornbill.blogspot.in/2009/07/physics-mains-part-v.html   ( Has solutions to CSE 2007 exam from the topper himself)

[Links to how a topper solves the paper and scores P1 :208/300 +P2: 170/300  :
http://www.scribd.com/doc/156386529/physics-cse-paper-solution-2-by-supreet-singh-gulati-ias-rank-2
http://www.scribd.com/doc/156379034/Physics-paper-solution-by-Supreet-Singh-Gulati
]

Kashish Mittal - AIR 58, CSE 2010

http://kashishmittal.wordpress.com/2011/06/03/strategy-for-physics/

Abhijeet Agarwal, AIR-24, CSE 2009

http://abhijeetagrawal.blogspot.in/search/label/Physics

P.S. If you know of any other blogs which would be useful to other aspirants, please let me know so that this post can be updated.

Sunday 21 July 2013

New GS syllabus - Part 1

 The book “India since Independence” by  Bipin Chandra et al is analysed below from the perspective of the new GS syllabus.

The GS- Paper 1 History part has included this new phrase in the syllabus: "Post-independence consolidation and reorganization within the country"
·         There are 4 chapters on Consolidation of India as a Nation i.e Chapters 7,8,9 & 10. These are a must-read as the term in the syllabus seems to have been picked from here itself..:)
·         Along with this, reorganization would also include formation of new states after 2000 i.e. Jharkhand, Chattisgarh and Uttarakhand. You need to study the reasons for their formation and the impact on polity, economy and social development. Other questions might relate to need for smaller states for better administration and the demands for further reorganization as seen in the case of UP etc.

From the syllabus perspective, other important chapters in this book are:
·         Chapter 12: Foreign Policy
·         Chapter 35 & 36: As Communalism word is mentioned in the new syllabus
·         Chapters 29,30 & 31: Land reforms is in the syllabus of GS-3 ( Pages 566-570 provide the gist)
·         Indian Economy chapters 25 to 28 can also be studied
·         Chapter 38 is also important from GS-1 perspective

It is better if you study the while book but I have mentioned the bare minimum ones which are absolutely essential.

Thursday 18 July 2013

Indian Foreign Policy - From Midnight to the Millennium


This is a very precise document on India's foreign policy from 1947 to 2009. It is a lecture delivered by Shri Shiv Shankar Menon, current National Security Advisor and ex-Foreign Secretary of India.

Sunday 14 July 2013

Essay topics for practice

For those who want to practice writing some essays, these are few topics which you can try your hand on..

  • “If all mankind minus one were of one opinion, and only one person were of the contrary opinion, mankind would be no more justified in silencing mankind”. (J.S.) Mill)Discuss.
  • Need of moral standards in International Relations
  • Ideological frontiers of India and its preservation
  • “There is tide in the affairs of men which taken at the flood leads on to fortune”
  • Is Democracy panacea for all political and economic evils?
  • “Freedom of the Press”
  • Eternal vigilance is the price of Liberty
  • Federalism and national integration
  • “The concept of national sovereignty is out of date”
  • Ideology — a strait-jacket or an instrument of meaningful change
  • “The struggle to raise a nation’s living standards is fought first and foremost in the classroom”.
  • "The purification of politics is an iridescent dream".
  • "Personal liberty is the paramount essential to human dignity and human happiness".
  • “Justice delayed is justice denied”.
  •  

Saturday 13 July 2013

Rupee depreciation

What is causing rupee depreciation?
          Currency depreciation both on account of global and domestic factors.
          External Factors: Eurozone uncertainty, Concern  on US stopping fiscal stimulus
            Domestic factors - current account
-          Demand pressures at home resulting in higher CAD
-          Oil - inelastic demand given absence of pass through
-          Higher imports of gold - as an investment?
            Domestic factors - capital account
-          Slow down in capital flows since April 2012  (FDI, FII, ECB)

What has RBI done
          Intervention consistent with our policy
          Increase in FII limits in G-Sec and Corporate Debt increased by US$ 5 billion each to US$ 15 billion and US$ 20 billion, respectively
          Increase in all-in-cost ceiling for ECBs
          Deregulation of interest rates on NRE and NRO accounts in December 2011
          Increase in ceiling rate on FCNR(B) deposits
          Deregulation of ceiling rate on export credit
          ECB raised for Rupee Outlay to be brought in immediately
          Banned proprietary trading by banks in FX options and futures ( to curb speculation)

          Asked oil companies to deal with only 1 bank for $ buying needs ( to curb speculation)

Thursday 11 July 2013

Note making

The previous 2-3 posts are for new-comers to know how to make notes. Brief notes are helpful not only in revision but also provide flexibility in making the preparation exhaustive as 200 pages of brief notes can cover at least 400 topics.

Notes on topics like Science and Technology can be even more brief and should cover various aspects exhaustively.

The links to the posts i have referred above are:

http://divya-mittal.blogspot.in/2013/07/financial-inclusion.html

http://divya-mittal.blogspot.in/2013/07/rupee-depreciation.html


Thursday 4 July 2013

Financial Inclusion

FINANCIAL INCLUSION
Entire national financial system benefits by greater inclusion
1.       when promoted in the wider context of economic inclusion
2.       multiplier effect on the economy through enhanced savings & credit to the people at the bottom of the pyramid
3.       banks benefit by stable deposit base contributed by retail customers
4.       promotes financial stability and discourages informal sectors
5.       facilitates transfer of government benefits without leakages
   Greater participation in the formal financial system makes monetary policy more effective
1.       enhances the prospects of non-inflationary growth
2.       facilitates move towards less cash society
3.       What is financial inclusion? growth and equity; Inequalities exist in socio-economic conditions, literacy, income level, urbanization, infrastructure
4.       Financial inclusion is about ensuring 5A’s:Adequacy, Availability, Accessibility, Awareness, Affordability
5.       Adoption of multi-pronged strategy
a.       network of bank branches ,
b.      tapping SHGs, MFIs, etc.
c.       enhancing network through BCs/BFs & TSPs
d.      wide range of banking products.
6.       Policy approach
a.       Minimalist – a bouquet of basic banking products & services
b.      Expanded - ancillary financial products like insurance, pension, deeper customer engagement, consumer protection and enhanced financial literacy
7.       Need to focus on Policies, Partnership, Processes & Products relating to
a.       SHGs:- SHG Bank Linkage Programme;
b.      MFIs
c.       Business Correspondents
d.      Technology:- Experimentation with mobile based remittance services; use point-of-sale devices in conjunction with magnetic stripe cards
8.       SHG Bank Linkage Programme
a.       ‘Savings-first, credit later’ model; credit discipline ‘social collateral’ made SHGs bankable
b.      For banks dealing with groups of people meant
                                                               i.       reducing in transaction costs,
                                                             ii.      reducing the credit risks through ‘peer pressure’ and
                                                            iii.      making people save
c.       Challenges:-  inadequate outreach in many regions, delays in opening of SHG accounts and disbursement of loans, impounding of savings by banks as collateral
9.       SHG-2
a.       More focus on voluntary savings
b.      Cash credit system of lending over 3 to 5 years cycle to minimize the problem of inadequate finance and non-availability of repeat loans
c.       Enabling creation of Joint Liability Groups (JLGs) within SHGs to scale up economic activities by more entrepreneurial members
d.      Improving risk mitigation systems by bringing in third party audit
e.      Building second tier institutions
f.        Strengthening the monitoring mechanism

g.       Addressing training requirements

Tuesday 2 July 2013

2013 vs 1991

1.  Is 2013 going to be a repeat of 1991?
 Basis for this question:
(i)                  1991 crisis triggered by BoP pressures, which in turn were a consequence of fiscal profligacy of the 1980s.
(ii)                Now we are having twin deficits once again
(iii)               Large fiscal and current account deficits are lead indicators of stress building up in the system.

 In 1991, an implosion was imminent. In 2013, an implosion is not imminent. Why?

(i)                  Structure of the economy has changed in fundamental ways. The share of services sector in the economy has increased from 41% in 1991 to 67% in 2012. Performance of the services sector of the economy is less variable than that of agriculture and industry.
(ii)                Today, Indian financial markets are more mature, diverse and deep. Have resilience to absorb shocks.
(iii)               Our regulatory systems and crisis response mechanisms are more robust and sophisticated.
(iv)              In 1991, rupee was overvalued by more than 20%. Today, exchange rate is largely market determined, and therefore able to absorb shocks.
(v)                Foreign exchange reserves are much larger; provide 8 months of import cover as against 2 months of import cover in 1991.

(vi)              External sector vulnerability indicators have deteriorated over the last year, but they are still at safe levels and much better when compared to 1991.

Wednesday 26 June 2013

Preparation for the compulsory questions

The question numbers 1 and 5 in every optional paper are very tricky, more so in the changed paradigm when there is no choice and UPSC shifting to 12 markers from 20 markers. In Commerce paper 2 and in Management papers 1 and 2, the general way of asking questions is to give a term and we are supposed to write a note on it.

How i prepared for this

I tried collecting all kinds of terms possible on the topic from many sources like looking at syllabus of all major universities in India, looking at indices of many books etc and then preparing a small 5-10 marker on these terms. This makes sure that you can know the exact meaning of the term and the rest can be expanded during the exam.

If you don't know what "Dominant Coalition" is ( CSE-2012, Commerce, P2, Q1(a)) or what Personnel Ratios ( CSE-2012, Commerce, P2, Q1(d)) are, you will not be able to write correctly on this. Similar examples can be seen in Management papers like "Concept of fit and stretch", Managerial Grid, Hedge accounting , Share Penetration Index in the past 3 years. These terms carrying 120 marks can have a huge impact on your score and hence can't be left to chance.

For example, some sample terms on which notes were made for Industrial relations were: 

Aggregate Unionism, Bargained Corporatism, Class Consciousness, Defocalisation of power, Industrial Jurisprudence, Iron cage of serfdom, Concession Bargaining, Codetermination, Decentralized bargaining, Deductive bargaining, Featherbedding, Good-Faith bargaining, Implicit Contract, Implied obligations doctrine, Industrial feudalism, Jawboning, Job control Unionism, Mediation-Arbitration process, Multilateral bargaining, Normative bargaining Theory, Off-Pattern settlement, Outmigration, Pattern bargaining, centralized bargaining, Reverse collective bargaining, Surface bargaining, Union avoidance, Union substitution, Union suppression,  Productivity Bargaining, Society Unionateness, Structural functionalism, Welfare unionism, Zones of bargaining

Book list for Commerce Paper 2

Organization Theory 
  • Organizational Theory, Design, and Change, Paperback, Gareth R. Jones
  • Organization theory by Daft 
Organizational Behaviour

  • Organizational Behaviour by Robbins ( base book)
  • Kavita Singh and a few other books were used to make brief notes on various terms

Human Resource Management

  • Human Resource Management- C.B.Gupta
  • Notes from various books like Aswathappa, Robbins etc for all kinds of terms that can be asked as 12/20 markers

Industrial Relations

  • Industrial Relations- T.N. Chabra & R.K.Suri
  • Brief notes on various terms from the 2nd Labour commission report of 2002 like Mafia Unionism etc


Used rankers notes available in the market to add to my coverage. Had covered the 1st 3 topics extensively from many sources during the course of my preparation in earlier attempts for Management optional. Made notes on latest examples from the corporate world on various aspects of the syllabus from business dailies like Economic Times, Business standard etc. If I get hold of my examples file, would upload it.

Book List for Commerce Paper -1

Since, i had taken Commerce optional after Prelims there was very little that could be devoted to it. So, i relied generally on 1 book per subject and strengthened some parts in which i was already comfortable because of my MBA and management optional background.

Accounting
  • Corporate Accounting – J R Monga
  • Accounting Standards- CA notes


Cost Accounting
  • Cost Accounting; Theory & Problems- Maheshwari & Mittal 

Auditing
  • Surbhi Bansal auditing notes for CA ( Primary source)
  • Students’ Guide to Auditing- Aruna Jha 

Taxation

  • Income Tax book by- Girish Ahuja
  • Service tax and VAT from CA notes
Financial Management
Did it from multiple sources as it was my strength
  • Financial Management by M Y Khan
  • Financial Management by Prasanna Chandra
  • Financial Management notes of CA by Aditya Jain
Financial Institutions and Markets
  • Made notes from the internet, used CA notes and rankers notes for this part.
You can also look at the following blog for more info:


Thursday 20 June 2013

Some answer writing queries answered

Russell Peters:

Hello Mam, Did you follow point wise writing approach in optional papers also? Was it your priority to write in points ? And what if you don't have much idea about the answer and know little, then I guess writing in points wont be beneficial, plz comment.
ReplyI generally prefer writing in points. With shorter answers being asked in the exam, writing style, introduction etc are not very important. I used to try and give a one line summary of my answer in the beginning itself, so that the examiner knows what he is going to read. If there are 5 broad ideas in the answer, you can mention them in the beginning. 

For eg. 5 macroeconomic problems facing India are: 1) Inflation 2)..... 3).....      5)...... and then elaborate them in separate paragraphs with the same headings.

Even if this is not possible, i used to prefer bullet points. Another benefit of points is that you dont beat around the bush. You can try and put different facets and that would help you better articulate your thoughts. This is valid even if you know less. 

Having said that, it depends on the question, the time at hand and your comfort level with each style. Nothing is cast in stone...
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Max Weber:
thanks. one more question. coming to GS and optionals. is there a factor of attempting max questions ??? is it the quantity or the quality that matters?  but my point here is....question 
attempts are factors? should we like focus on less number of questions and present in better way? or attempt as much as possible?

PS: coz when you write point wise you can simply vomit relevant points and make answers. thats not tough. i hope u got my point what am struggling to explain. 
Reply: In GS, you should attempt as much as possible and do not rely on your judgment of the quality of your answers...It is better to write point-wise as much as possible to be clear abt the answer and save time....For questions you know less, dont write very long answers, but write your guess in brief in para format...Obviously quality matters but sometimes the examiner likes your answers and sometimes not...Even similar answers of 2 people could fetch different marks based on non-uniform checking...This view is based on the experience of number of people around me...

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Tuesday 18 June 2013

Parliament of India

These 2 documents quite comprehensively cover issues related to the Indian Parliament. One has been made by me from various sources while other is a document of the Rajya Sabha secretariat. Hope you find these useful.

Parliament Notes by divyamittalias



Parliament of India by divyamittalias